First Regents Bancservices, LLC, provides every aspect of ATM operation, which includes:

1. ATM SITE LOCATION / MANAGEMENT

2. ATM HARDWARE

3. ATM NATIONAL NETWORK PROCESSING

4. ATM HARDWARE MAINTENANCE & TERMINAL MONITORING

5. ATM VAULT CASH and MANAGEMENT

6. ARMORED CAR SERVICE

1. ATM SITE SELECTION / MANAGEMENT

FIRST REGENTS offers a complete ATM department which includes: 1) ATM real estate location acquisition; 2) location contract negotiation & execution; 3) Project Management including complete coordination of set up and installation; and 4) Operation Management including full service consulting in all operational phases.

Many excellent ATM locations are currently under space lease and are available for immediate deployment. Also, special marketing projects can be conducted for financial institutions to focus on specific geographic areas, industries or other demographic or psychographic segments.

2. ATM HARDWARE

TRITON SYSTEMS

Triton Systems currently offers multiple miniATM models and a financial institution product line for retail and branch ATM deployment. The Triton 9700 and 9100 series are the most current miniATM models. The 9700 is a 3rd generation product updating the Triton 9600 & 9500. All are proven workhorses since the early 1990’s. The 9100 line offers the same dependability for lower volume locations at a lower cost point for more flexibility in location selection and profitability. All terminals provide dependable cash dispensing services with multiple dispenser mechanism configurations.

The FT5000 through-the-wall and the RL5000 in-lobby units make up the current financial institution product line. The FT5000 is available in full service Drive Up and Walk Up configurations with ATM Kiosk Buildings and Island Surrounds. The RL5000 is the most advanced cash dispenser in the $7,000 - $10,000 price category.

Full Motion Video and Audio functions are available on the 5000 series. On-screen advertising and couponing options are standard on all models as is “Triton Waves” which include new revenue generating services such as:

· Prepaid Wireless Telephone Top Up Services

· Prepaid Long Distance Telecomm Services

· Western Union @ ATM Money Transfer

· Cash Works Check Cashing Services

3. ATM PROCESSING & TERMINAL MONITORING

FIRST REGENTS processes all ATM, debit or credit card issued through the vast majority of financial institutions in the US and the world.

FIRST REGENTS provides ATM processing through all of the National ATM Networks:

• · Cirrus
  
• · Plus
  
• · MasterCard
  
• · VISA
  
• · American Express
  
• · Novus – Discover
  
• · Star
  
• · Quest – US Government EBT Network
  
  

FIRST REGENTS provides connectivity through the following processors:

· Concord / STAR – formerly MAC & EPS - the nation’s largest processor.

· Core Data –Concord’s retail ATM division offers advanced functionality with real-time, on-line 24/7 web based monitoring.

FIRST REGENTS offers multiple transaction processing options to customize programs for financial institutions, retailers, higher and/or lower to medium volume ATM’s.

4. ATM HARDWARE MAINTENANCE & TERMINAL MONITORING

FIRST REGENTS offers low cost and high quality 1st and 2nd line maintenance programs.

§ 1st line maintenance is usually conducted by strategic partnerships with armored carriers or cash service providers.

§ 2nd line maintenance is performed by FIRST REGENTS service technicians or third party providers if out of market areas.

All Triton System ATM terminals have error notification systems that immediately communicate problems to the FIRST REGENTS host computer and reports terminal status to the ATM transaction processor for real time web access. FIRST REGENTS will then notify the appropriate service or maintenance provider for prompt correction or repair of ATM.

5. ATM VAULT CASH and MANAGEMENT PROGRAMS

Through strategic relationships, FIRST REGENTS offers vault cash for your ATM program. This program provides complete ATM cash management including vault cash, cash management, balancing and customer disputes. Pricing is available upon request.

6. ARMORED CAR SERVICE

FIRST REGENTS has strategic relationships with several national and regional armored carriers and can establish and manage armored car cash service for your ATM program.