TracOne Software - Cost Reducing

Terminal Processing Department Cost Reduction Methods

1. Various reports calculate the dynamic changes in our existing ATM management portfolio by week, month, year, processor and geographical area. This information is displayed in actual numbers and percentage of change. These reports pinpoint problem areas allowing us to focus on remedies and solutions.

2. Specific procedures and objective restraints have been put in place regarding cash ordering.

3. All incoming ACH activity is reconciled on a daily basis. This applies to all settlement deposits.

Technical Support/Service Department Cost Reduction Methods

1. AmericaOne's proactive procedures are built around our cornerstone of customer service. AmericaOne's proactive proprietary software, TracOne™ extracts information from raw processor data, creates our exclusive customizable reports and builds a usable historical database of all transactions, activity levels and reversal/denial information. This information is used to proactively monitor and improve the effectiveness of all AmericaOne terminals. Terminals showing abnormal levels of reversals, denials or anomalies in transactional levels are quickly evaluated and timely corrective action is implemented by AmericaOne's terminal processing and Customer Services Support Departments.

2. AmericaOne's proactive management systems quickly identify problem terminals and by doing so, enhance our ability to maximize terminal availability and profitability. As a value added service to our customers, they are notified of problems as they arise, frequently before they are even aware their unit is down. This helps to quickly identify problems, implement solutions and return their terminals into service.

3. Proactive monitoring minimizes downtime. Increased uptime and cost containment has allowed monthly breakevens at 69% less than well known financial institutions. In comparison to published industry averages, AmericaOne, through our cost reduction efforts, has achieved operating profits, currently unattainable by most institutions, on ATMs with relatively low transactional volumes.

4. The continual development of TracOne creates an environment where a small number of personnel have the ability to maintain a large portfolio of terminals. Technical support personnel only need to address the units flagged by the Zero Transaction Report.

5. The volume of incoming calls has been drastically reduced. Historical data demonstrates a 55% drop in incoming calls after the implementation of this procedure. This again increases profitability by allowing AmericaOne to drive a larger number of terminals with minimal personnel.