
                *** Online Electronic Banking(tm) ***

      Door & Modules to process checking information Online!
 
1.  Look for our FULL page ad and information in Boardwatch Magazine!
2.  Look for our FULL page ad in SysOp News!
3.  Look for our FULL page ad in the Member Discounts and Services for
    The Association of Online Professionals! (AOP)
4.  Look for our announcement for Member Benefit Discounts for
    The International MBBS Association! (IMBBSA)
5.  Look for our FULL page ad in The New Visions Magazine!
6.  Look for our Booth at the upcoming ONE BBSCON!
7.  Look for our upcoming FULL Internet and Web Server!
8.  Look at our CREDIT CARD merchant account structure!
9.  Look at our ELECTRONIC FUNDS TRANSFER (ACH) account structure!
10. Look at our WORLD WIDE WEB PLUGIN for secured Online Checking!
    Web over to www.versanet.com/demo/check.html for a demo!
    Web over to our home page at http:\\www.calypso.com/ats!

Automated Transaction Services, Inc. opens the doors to automated Sales
and Subscriptions! Got a great new product line? Don't just show off
your wares, take the order, and do it on-line, while you sleep, eat or
play golf!  Time's Up! for your customers? Let them upgrade their
security themselves and take their payments on-line without lifting a
finger.  FULLY supports U.S. and Canadian Transactions!

FULLY supports CREDIT CARD processing through our ATS network!
POS and MULTI-TRANS processing supported!

               *** Is this service needed? YES! ***

In 1994 The Gallup Organization, found nearly half of all consumers
consider checks the MOST CONVENIENT way to pay for purchases; only cash
came close to matching checks in popularity.

Those consumers surveyed by Gallup reported checks were used to pay for
purchases 48% of the time; only 15% reported using checks less than 1%
of the time, while 10% said they use checks all of the time to pay for
retail purchases. Overall, Gallup found, 33% of consumers use checks
more than 25% of the time at the merchant check out.

Convenience seems to be a big draw for check writing. Of those queried
this year (1994) by Gallup's pollsters, 43% said they found it very
inconvenient when retailers do not accept personal checks; only 24% said
it was NOT inconvenient.

Do we have software to support this need for the online community? YES!

We have support for Excalibur, DOOR.SYS BBS, TBBS, Major BBS, PCBoard,
Wildcat!, RemoteAccess, TriBBS, GAP, Renegade, KBBS, and even
Unix/Internet/MAC Support.

RELEASED are several doors and modules for Excalibur, WildCat!, PCBoard,
TBBS, Searchlight, FirstClass, Synchronet, Major BBS, RemoteAccess,
TriBBS, PowerBBS, or any DOOR.SYS BBS.

This service allows callers to electronically process checks from a
checking or savings account online as payment for merchandise, services,
subscriptions, etc. FULLY automated.  Full text logging of all
transactions. Multi-node and DigiBoard compatible.

Transaction data can be sent automatically via modem using a built in
communications program. Total security protection for the transaction.

           *** WHAT DOES IT COST TO GET GOING? ***

Regular Merchant (Paper Trail) Account Price Structure:

1.  ONE time signup fee of $49.00

2.  Transaction fee of 1.5% or $1.50 minimum. *DISCOUNTS* for AOP
    members as well as other associations and larger Online Systems or
    Internet Service Providers.

3.  Postage and Handling charge of .50 cents for one to a million
    checks. In another words whether one check or thousands are mailed
    they are only .50 cents to cover postage and handling. Included in
    mailing is full reporting for NO extra charge.

3.  NO Monthly Maintenance fee.

4.  NO statement fee.

5.  NO yearly renewal fee.

6.  NO - NOTHING ELSE. NO HIDDEN CHARGES! YOU CAN READ THE FINE PRINT!<g>


       *** DEMONSTRATION INFO - PLEASE NOTE THE FOLLOWING ***

Call via modem at:

o BRAINEX/Shop Master: Call 310-275-2344. Login under the
  name OEB DEMO with no password.  Brainex supports ALL
  Door.sys, Doorinfo.def, SpitFire, RemoteAccess, Wildcat!,
  PCBoard, WWIV, TriBBS, Renegade, PowerBBS, Searchlight
  and most other BBS types. Written by Stanley Sheff.

o CHECKIT!.DLL - EXCALIBUR VERSION:  Call today:
  407-275-6602. Written by Carlos Perez.

o DOOR.SYS VERSION:  310-204-3249 login under the OEB DEMO  
  password DEMO and follow the Menu. Full support for Wildcat!,
  PCBoard, RemoteAccess, SpitFire, TriBBS, Renegade, Searchlight,
  PowerBBS, or any door.sys supported platform. Written by
  Tim Rider.

o TBBS VERSION:  408-267-8734 login under the name OEB      
  DEMO password demo (lower case only for password) for     
  the TBBS version.  At the Main Menu press 2. Written by
  John Schachat! Supports Famous, ShopMaster, and MoneyMaster!

o SYNCHRONET VERSION:  502-491-1340 login under the name    
  OEB DEMO no password needed. Full Baja support.
  Written by Jim Knight!

o MAJOR BBS VERSION: Call via voice at 505-244-0488.
  ProDesign announces The Midas FULL accounting Major BBS module.
  Written by Simon Clement! Call 505-244-0000 for the online demo.
  Supports ** Worldgroup ** and more...... A must see product.....

o WORLD WIDE WEB - Call 310-839-0132 for more information. Do we have
  the correct Plug-in for you! To see SecureCheck(tm) and SecureCard(tm)
  just web over to: www.versanet.com/demo/ats.html or web over to our
  home page at http:\\www.calypso.com/ats

o PCBOARD VERSION:  Call 801-785-6286. Login under the      
  name OEB DEMO with the password DEMO. Written by Cam Debuck!

o WC-Charge 4.04: Call via modem at 610-478-1430. You can also
  Freq with the magic name CHARGE. FidoNet: 1:2607/401. This
  Door is Wildcat! specific. Automatic upgrade for Wildcat!
  Written by Alan Cravener.

o AUTOSCRIBE! 4.03 (ASPCB403.ZIP) Home of COMPU-DOC Software!
  PCBoard Software - Call: (804) 468-1783/1492/1386 Written
  by Gary Smith.

o DUCheck! 1.0 WcCODE application for Wildcat! Sysops call via
  modem at (513) 860-2277 or (513) 860-2290. Login with the name
  DUCHECK DEMO password DEMO.

o SYNCHRONET VERSION: Call Les Fenison via voice for his full
  fledged Shopping Mall at 503-678-3050.

o ALMOST ALL PLATFORMS: *** VirtualMall *** Call via voice at
  714-366-1350 or call via modem at 714-366-1355 for more information.
  You can also web over to http:\\www.calypso.com

    *** Is Online Electronic Banking(tm) Legal? YES! ***

This service is established as legal method of payment as provided in
the Uniform Commercial Code, Title 1, Section 1-201(39) and Title 3,
Sections 3-104, 3-401 and 3-403;Code of Federal Regulations, Title 12,
Chapter II, part 210; and Regulation J, Federal Reserve Bank, Part 2,
Sections 4A-201 to 4A-212. See Romani V. Harris, 255 md. 389.

Is there PROTECTION and SAFETY to the SysOp & the consumer? YES!

1.  Processing center is regulated by the Federal Reserve. One call by a
    bank that reports fraud can freeze all accounts to the processing
    center. Processing center has direct line to the Federal Reserve has
    no interest in freezing their assets. They have a fiduciary
    responsibility.

2.  It is a *FELONY* to commit bank fraud. There are very stiff
    penalty's and jail time.  There are good audit trails to find any
    discrepancies. Sysops would never want to be put in the position of
    doing anything of a questionable nature. There are built in check
    and balances for large ticket items that are flagged in the system
    and voice verified.

3.  Processing is regulated by N.A.C.H.A. (National Automated Clearing
    House Association). There are strict guidelines and policing within
    association.

4.  Erroneous Debits are handled by a phone call to your bank or signing
    an affidavit at YOUR bank depending on the individual bank policy.
    You have a full 30 days from the time of your BANK STATEMENT to
    request an adjustment or credit to YOUR account. If you find
    something wrong or have a difference regarding services or product
    purchased the bank handles it similar to a credit card error. The
    bank will credit back your account and get the vendor side of the
    matter to make a determination as to who is liable for the charge.
    FULL CONSUMER protection! If the charge was fraud you are credited
    back the debit. If it is a difference of consumer against vendor
    then it will be decided upon by the banks similar to a decision by a
    credit card company. PROTECTION for BOTH!

  *** What kind of accounts can I setup with A.T.S.? ***

o MERCHANT Account (paper trail):

   The best way to do business with your large-ticket sale or new or
   unfamiliar customers. All transaction records and documents are
   on-hand for scrutiny and verification by operations and bookkeeping
   staff. Do business as usual, just automated!

o ELECTRONIC PRODUCTION Account (paperless):

   Have a large transaction volume? Lots of repeat customers? Your ready
   to move into a Production Account with all the professional features
   you need to support high-volume business. Don't wait, automate! Join
   the many who now use the ACH method of capturing revenues.

        ****  Call by Voice: (805) 379-9271  ****

The Forms will be faxed or mailed to you with all the information you
will need!  You can FREQ the forms at 1:102/641 with the word OEB.
Printing utility can be FREQ'd with the name PS30.

               Automated Transaction Services, Inc.
                    (a California Corporation)
                      2026 Bridgegate Court
                   Westlake Village, CA  91361
                      Voice: (805) 379-9271
                      Fax:   (805) 379-9772
                   Internet: ats@ibsabbs.com
                       FidoNet: 1:102/641
           WWW Home Page: http://www.calypso.com/ats

A.T.S. offers products to enhance transaction processing for all types
of business.  With 15 years management experience in the financial
industry and ten years background in banking automation, A.T.S. has the
answers now for the needs of the On-line Industry. Call us today for a
complete review of you business requirements and a solid recommendation
for automating your sales/collection activity.

A.T.S. is a *Founding Member* of The Association of Online Professionals
(AOP)!

A.T.S. is "Building Pathways for Tomorrow's Business Through Advances in
Today's Technology"
