A Single EMV Application To Power ATM Fleets, Regardless of Hardware Vendor

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1 S M A R T A T M A Single EMV Application To Power ATM Fleets, Regardless of Hardware Vendor D e l i v e r i n g P a y m e n t I n n o v a t i o n s

2 EVERLINK SMART ATM YOUR FUTURE IS NOW The Everlink Smart ATM solution provides Everlink financial institution clients with the ability to maximize the efficiencies and effectiveness of their ATM fleets through advancements in customer personalization, targeted one-to-one marketing and general advertising while proactively managing their ATM hardware and software. Smart ATM accomplishes this in a dynamic and consistent manner by utilizing the same EMV Kernel and software across multiple makes and models of ATMs. Improve Operational Capabilities And Reduce Cost Of Ownership The initial purchase price of an ATM represents only a small portion of the overall cost of ownership. The day-to-day costs of image development, delivery, updates, patches as well as ongoing support initiatives, service calls and maintenance represent the largest portion of total cost of ownership. Smart ATM helps reduce overall costs by providing the tools to significantly decrease the cost of delivering day-to-day services. The Everlink Smart ATM solution can: Reduce downtime Reduce site visits and costs Potentially reduce armoured car visits React to customer feedback Enable the ATM as a P&L with revenue (e.g. cross-promotion and advertising of local businesses) Improve cross-sell/ up-sell opportunities for financial products

3 A F E A T U R E R I C H A P P L I C A T I O N T h a t L o w e r s C o s t s A n d R e d u c e s T i m e - To - M a r k e t Smart ATM offers an extensive list of new functionality to ensure that the investments made by financial institutions in their ATM fleet are fully maximized. Smart ATM also impacts and enhances several services currently provided by Everlink and integrates a bundle of new, pre-existing and enhanced services. Smart ATM will offer the following as a comprehensive service bundle: ATM Driving allows Everlink client ATMs to be connected to the Everlink service environment and to process transactions originating at that ATM. ATM Monitoring is an automated 24/7 system that notifies a financial institution s predefined contact or service vendor when an ATM experiences a fault such as a paper jam, out of cash situation, or system problem. ATM Incident Management employs a diagnose before dispatch service model that allows Everlink to receive the entire range of possible status messages directly from their ATMs. When a status message is received, Everlink opens a trouble ticket which stays open until the ATM in question is back in service. Everlink then attempts to remotely diagnose the ATM or can remotely reset the ATM in order to bring it back into service. In addition, it provides trouble ticket managing, fault reporting, remote diagnosis, reset or repair (all of which can result in a 10-15% reduction in service calls). ATM Service Management is the overall management of first and second line maintenance vendors and includes automatic dispatch and managing vendors against the client s contract and reporting on how the vendor is performing against client Service Level Agreements. ATM Asset Management will track and inventory everything that is in the ATM: manage Windows updates, Virus software updates and vendor patches as well as core application upgrades via remote software distribution. This will reduce deployment errors, maintain version controls and ensure that the most up to date software is on the ATM and ensure that it remains installed. In addition, Asset Management includes security controls and hardening of the ATM as well as PIC DSS compliance management, including the EPPs. ATM Marketing and Campaign Management (Optional) allows Everlink clients to easily deliver marketing and branding changes as well as use their demographic and account information to present offers that are relevant to specific customer interests and needs. ATM Deposit Automation (Future Component) is supported by Smart ATM software for the separation and processing of cash and cheques without envelopes. Please note that CPA requirements need to be finalized before full envelope free deposits can be implemented. ATM hardware may also require modification.

4 T H E C A R D H O L D E R E x p e r i e n ce Smart ATM provides maximum ease-of-use and flexibility for providing the appropriate content to the ideal target audience. Financial institutions can elect to present consistent screens and messages to all users of an ATM or alternatively, ATM images and messages can be customized by location (e.g. specific ATMs or geographic groupings) by segmentation, or by a combination of these factors. Additionally, Smart ATM can provide new capabilities in the areas of customer personalization by empowering cardholders to customize their user experience. Examples include receipt options, personalized fast cash and pre-set language preferences. Smart ATM controls access to all marketing and campaign management aspects from a centralized Marketing / Campaign Manager tool providing financial institutions with the ability to create and deliver targeted, dynamic marketing campaigns at the ATM such as One-to-One marketing (including the capability to cross-sell products and services to specific cardholders). Additionally, marketing departments can offer up-to-date information on rates, announce loan offerings and other services, conduct consumer surveys, and request responses directly from the ATM user.

5 S U P E R I O R M A R K E T I N G A t A F r a c t i o n O f T h e C o s t The Everlink Smart ATM solution allows financial institutions to easily drive general marketing programs, advertising and enhanced branding messages through their ATM s. Everlink clients can either support these efforts through their existing marketing departments, or utilize Everlink experience to assist in getting the most marketing capability from each ATM. Smaller financial institutions can now directly compete with the big five Canadian banks. Utilize enhanced cross-sell and up-sell propositions (campaigns) through the ATM network, improve branding and customer service through personalized messages, and generate revenue through localized advertising and promotions with area businesses. W i t h S m a r t AT M, f i n a n c i a l institutions (for a nominal fee) can simply send Everlink their desired ATM graphics and marketing campaign parameters and have Everlink format and download the images and parameters to the selected ATMs (or to the entire fleet). Everlink clients will now have the means to efficiently control their own ATM content including the use of demographic and account information to the offers that are relevant and specific to customer interests and needs. Everlink clients can now securely enhance the cardholder experience each and every time they go to your ATM. By choosing the Everlink Smart ATM solution, you will be opening up your ATM s to unlimited communication capabilities that will enhance your business and profits.

6 S O L I D S O L U T I O N S B y A S o l i d P a r t n e r Everlink Payment Services Inc. is based in Markham, Ontario and is a joint-venture company owned by FIS and Celero Solutions. We provide solid and secure solutions to credit unions and banks throughout Canada and are fully compliant and EMV certified with Interac, MasterCard and Visa. Everlink is a recognized leader in the dependable, secure delivery of Electronic Transaction Processing services, EMV Chip, Managed ATM Services and Integrated Payment Solutions in the Canadian financial services sector. Everlink is the first in Canada to instantly issue a fully personalized, Interac and MasterCard certified EMV Chip card. With extensive market share in the Canadian Credit Union and Bank industry, Everlink products, solutions and services are delivered to more than 330 credit unions, 30 banks, 4 major Group Processors and an ever increasing number of POS and ATM ISOs. Everlink Payment Services Inc. 65 Allstate Parkway, Suite 100 Markham, ON L3R 9X1 Tel: Toll Free: Fax: National Client Support Centre (NCSC) Toll Free: Fax: Support@Everlink.ca w w w. e v e r l i n k. c a