Drivers may now use their TCH Fuel Card to get cash advances at any ATM that honors the STAR or Cirrus networks. STAR is the nation's leading PIN secured payments network and an expert in secure, real-time electronic transactions. Cirrus, a trademark of MasterCard International Incorporated, is a highly recognized ATM debit symbol honored at ATMs throughout North America and also found worldwide.

Combining this ATM network with TCH's coast-to-coast truckstop alliance gives drivers purchasing options everywhere the road takes them. Universally accepted? You bet we are!

Use TCH at an ATM
When drivers withdraw cash using the TCH Fuel Card, the amount is debited from their pre-authorized cash advance limit. Aside from the ATM surcharge to the driver, TCH will assess a $1 fee. The carrier will be responsible for their normal transaction fee.

Create a PIN
Drivers must establish a Personal Identification Number (PIN) for their TCH Fuel Card before it can be used for ATM withdrawals. The PIN helps protect against fraud and ensures proper use. See the Driver PIN Setup section at the end of this article for details on setting up an individual PIN through the automated phone system.

Fee Structure Example for ATM Withdrawals

Driver withdraws cash from ATM:  $100.00  TCH ATM Fee The $1 TCH ATM fee is deducted from the driver's cash advance line.  $1.00  ATM Surcharge ATM surcharges vary and are controlled by the owner of the ATM. This is an example. TCH does not regulate or set ATM fees.  $1.50  Total deducted from driver's cash line:  $102.50  Carrier Transaction Fee A transaction fee appears on the carrier's statement at the same rate as fuel transactions.

Establish a Cash Advance Line
Drivers may only get cash advances through ATMs if the carrier has established a cash advance line on the driver's card. Cash advances are administered through the automated phone system or TCH's online E-Manager program.

Drivers can still use their TCH Fuel Card to get cash at the fuel desk for no additional fee when purchasing fuel. However, ATM access provides a fast and convenient way for drivers to get cash when visiting a fuel desk isn't feasible.

It's all about options; and it's one more effort to prove our commitment to provide distinctive products the trucking industry demands.

Helpful Hints for ATM Users

• Be sure the ATM displays the STAR logo.
• Insert card and enter Personal Identification Number (PIN). Select "credit" on ATM screen.
• Take your receipt. The transaction amount will be automatically deducted from your cash advance limit.
• While many ATMs are available 24 hours a day, some may be open only during local business hours. To be on the safe side, plan your withdrawals ahead of time.
• Check with your company to determine the cash limit of funds that can be withdrawn.

• Keep your card in a safe place to avoid damage.
• Memorize your Personal Identification Number (PIN). Never write the PIN on anything in your wallet or on the card itself.
• Immediately report a lost or stolen card to the person at your company who handles fuel cards.

One of the earliest users of E-Manager is L.W. Miller Transportation, a company started by Larry Miller in 1982. The company has grown from three owner-operators and two company trucks to nearly 500 employees. In addition to over-the-road trucking, L. W. Miller operates eight convenience stores, three major repair facilities and two truck washes. As the company continues to grow, so do their technological needs. E-Manager has helped L. W. Miller cut down on paperwork and improve productivity.

TCH interviewed Warren Barton, Human Resources Manager at L.W. Miller Transportation to find out his thoughts about E-Manager.

"With E-Manager we can restrict who can go where to buy fuel and what else the driver can do while at the truck stop."

"When we were first shown E-Manager, both Glenn Bair, our systems administrator, and I were really excited about it. I knew it was going to take a load off of us because we can put the work of managing fuel cards where it belongs, on the dispatchers!"

"With E-Manager we can restrict who can go where to buy fuel and what else the driver can do while he's at the truck stop. All of the security measures are wonderful! I love that part!"

"What I really like is to be able to put this on a dispatcher's desk and say, 'ok, you manage your fuel cards from here -- you can assign a card, you can do a cash override, but you can't change limits. I can give them day-to-day access to manage their part of the business, but I still have ultimate control over policy."

Barton is also looking forward to implementing the Money Code management feature of E-Manager. He described to us how they have been doing it under their current system:

"You can't imagine all the stuff we have to do just to track money codes. We have one person downstairs who does nothing but keep track of them. She uses paper to keep a record of who assigned a code, what it was for, the trip number, the transaction number, etc. Everything is manually keyed into her computer and then reviewed for accuracy and control purposes."

"During my review I always have to send my account manager, Lori, an e-mail to ask, 'What else is outstanding, or what's up with these codes? Are they active? Are they inactive? Have they been used? If they've been used, why didn't I check them off?' "

"She then sends a note back to me saying 'these are open and active; this one was used at such and such…' and so on and so forth. Not the best way to run a company, but that's all we had to work with!"

Now, with E-Manager, there is a better way. The program issues and activates money code at the same time. It keeps track of who issued the code, the amount, why it was issued and whether or not the code has been used."

According to Barton, "Most of the things we've seen about E-Manager are very exciting to us. I think it's going to be great!"

TCH is glad to hear that E-Manager is making a difference for our carriers. It is encouraging to know that our customers are more excited about E-Manager as we are!

To learn more about E-Manager, call your account manager at 888-824-7378 today. As always, we are happy to hear from you and love providing you with tools and services.

The result is letters will appear in your money codes now along with numbers to compile the nineteen-digit code which is necessary for processing TCH Checks®.

This will not affect how the codes work. The procedure to authorize and cash a TCH Check® will remain the same. Please make sure all of the personnel within your organization who use TCH money codes are aware of the recent change.

Try the new TCH E-Manager money codes. It's so simple to use, we're confident you'll like what you see. After using E-Manager money codes, you may make the switch from paper money codes for good.

Sound too good to be true? There is at least one partnership that exists in today's market that offers the conveniences listed above. The opportunity exists for a new kind of partnership that can provide a carrier the value necessary for long-term profitability with the right financial partners in place.

The wheel may not be broken in your organization. Shippers continue to call, dispatch loads your trucks, drivers make the delivery, fuel is purchased, accounting handles the bills and the sales department tells you what a great job they are doing. Sound familiar? Still the possibility exists that there may be a few more pennies in the process that you can keep by evaluating a few simple procedures. What you'll find in the end is more profit.

We have cash to invest with companies who want to grow and operate more efficiently. Introducing the Flying J Financial Services Group. Flying J has assembled an all-star line up waiting to share dialogue with you and let you in on the better business practices that will add value to your bottom line.

Flying J's Financial Services Group facilitates your ability to obtain cash for growing your business, paying for fuel expenses, paying your truck payments, paying your licenses, as well as many other expenses related to operating your business. Together, Transportation Clearing House and Transportation Alliance Bank can help keep the utilization on your trucks high by extending a line of credit developed specifically for trucking. To make the most of the money that stays in your pocket for future growth, it is time to partner with a team that can make the difference.

This program offers an A-to-Z approach that allows you to customize your level of service depending on how much cash you need to operate or grow your business.

Attend the seminar designed to enhance your bottom line. Personal seminars are currently being offered to discuss the topics listed above. We will share the vision of decreased fuel costs, increased cash flow, and a value-added partnership. Let's get together and talk about the possibilities of this program and how the team of Flying J's Financial Services professionals can enhance the bottom line in your company.

Don't delay, call our regional managers and book a time to join us. Call today to get more information on our programs and to book a personal consultation at one of our upcoming seminars.

Trucking Specific Financial Services Seminar Tailored for Owners and Executives Georgia----------------------------------------------------           Atlanta          April 23, 2002           Macon          April 22, 2002 North Carolina-------------------------------------------           Charlotte          April 25, 2002           Greensboro          April 26, 2002 South Carolina-------------------------------------------           Columbia          April 24, 2002