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RBS Lynk and ATM USA Introduce Internet
Processing for ATMs

Convenience Store Chains Benefit from High-Speed, Broadband Alternative

Atlanta, GA - July 27, 2005
- RBS Lynk, a leading payment processor, and ATM USA, one of the nation's largest ATM distributors, announced plans today to introduce Internet ATM transaction processing services. RBS Lynk will manage the back-end transaction processing and ATM USA will sell, distribute and service the end merchant.

The Internet Protocol (IP) solution will be targeted to convenience stores in the United States. The RBS Lynk IP solution benefits merchants with faster transactions and cost savings as they can leverage existing high-bandwidth Internet services to handle ATM transactions, reducing their reliance on dedicated phone lines.

" The IP solution provides incredibly fast ATM processing averaging between three to five seconds," said Haze Lancaster, Partner in ATM USA. "As a result, our convenience store client Super Stop has taken all thirty of their instore ATMs to DSL processing. In addition to improving processing time, they removed a number of phone lines dramatically reducing their monthly telecommunications cost."

The RBS Lynk IP solution, marketed by ATM USA, enables merchants to choose between high-speed Internet with SSL security or private IP connections through satellite or frame relay. To deploy the service an Internet payment gateway is installed at the site of the convenience store merchant's Internet connection. Several store locations may be supported by a single payment gateway, depending on transaction volume.

" The ability to piggyback ATM transactions on existing Internet connections can provide significant cost savings for convenience stores," said Melanie Chewning, RBS Lynk's Vice President of the ATM Division. "The addition of Internet processing to our line of services further expands our offerings in the ATM processing market. RBS Lynk has the breadth of services that makes us the best choice for processing solutions."

RBS Lynk provides customized solutions for petroleum and convenience store clients. Options include telecommunications support (dial-up, frame relay, VSAT, DSL and managed VPN), direct connectivity to every nationwide card network (credit, debit, ATM and EBT) and certified pay-at-thepump POS terminal solutions. In addition, RBS Lynk offers innovative card management programs supporting third-party fleet cards, gift cards and customer loyalty cards.

About ATM USA
ATM USA, LLC® is one of the nation's largest and fastest growing ATM distribution
and service providers. Currently, the company owns and operates a network of more
than 2,500 ATMs throughout the United States. ATM USA places an emphasis on
full-service placements for large convenience store chains, grocery chains, malls
and other large retailers. For more information, please visit ATM USA's Website at
www.atmusa.net.

About RBS Lynk
RBS Lynk is a single-source provider of electronic payment processing services (including credit, debit, EBT, gift cards, customer loyalty cards, checks and more). RBS Lynk utilizes proprietary technology providing scalability and superior service to its customers. RBS Lynk is the ninth-largest merchant acquirer in the U.S., the second-largest processor of ATMs in the U.S. and is a member of The Royal Bank of Scotland Group (RBS Group), one of the world's leading financial services companies. For more information, please visit RBS Lynk's Website at www.rbslynk.com.

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