1. HARBORTOUCH ATM PROGRAM
HT1138

2. ATM STATISTICS 2013 Federal Reserve Payments Study
5.8 billion ATM withdrawals
1.9 billion from non-FI ATMs
$685.1 billion in volume
Average withdrawal is $118

3. SALES BENEFITS
You get to have a conversation with the merchant about how you can help them make money
Few others offer ATMs – be different and stand out
Merchants are more inclined to do business with a company that can provide them an additional revenue opportunity
Additional revenue to offset the cost of a point of sale system or their processing fees - close more deals

4. MERCHANT BENEFITS New revenue stream from ATM surcharge
Same benefits as traditional card processing (give customers access to money) without the related costs
No processing fees
No monthly minimums*
No retrieval or chargeback fees
Reduced PIN-based fees at the point of sale
Cash retention

5. SALES REP BENEFITS Provide additional income opportunities
Surcharge revenue bonus
High commissions
Strengthen merchant relationships through multiple payment solutions

6. HARBORTOUCH ATM Turn-key solution
Hardware, deployment and transportation services
Installation and training
Multiple connectivity options
Online reporting
Vault cash and armor car solution

7. CONNECTIVITY OPTIONS Traditional Dial Up Dedicated phone line
Reduced cardholder concerns
Remote diagnostics
IP Solution
Router – dial to IP converter
Same ATM – connects to existing DSL or cable connection
No additional transaction fees
Wireless ATMs
Router – dial to wireless converter
Same ATM – transactions transmitted via AT&T cellular network
Additional service fees apply

8. SETTLEMENT OPTIONS Merchant Cash HT Vault Cash Merchant stocks machine
Rapid replenishment of dispensed funds – 48 hour cycle
Stock as often as needed
Most merchants opt for this solution
HT Vault Cash
Harbortouch handles all cash management
Additional hardware required
Additional service fees
Ideal for arenas, airports, hospitals

9. PROGRAM OVERVIEW Hantle 17005w ($ 3,142.86)
Height: 56" Width : 17" Depth : 23” Weight: 206 lbs
ADA compliant
Visa encrypting pin pad
Thermal printer
Removable 1000 note cassette
IP and dial-up connectivity
Full 7” color display

10. THREE SALES OPTIONS
Placement Program
Lease or Purchase
Reprograms

11. PLACEMENT OVERVIEW Qualified high traffic locations Hospitals Malls
Airports
HT completes a site survey
$150 commission to sales rep

12. ASSUMPTIONS ASSUMPTIONS Customers Daily: 200 Usage Estimate x 5%
Transactions Daily: 10
Days per Month x 30
Transactions Monthly:
300

13. PLACEMENT PROGRAM - MERCHANT REVENUE
Surcharge $2.25 per Withdrawal
TRANSACTION REVENUE
Surcharge for Merchant
$0.75
x Transactions Monthly
300
Gross Surcharge Revenue
$225.00
Lease Payment
N/A
Annual Surcharge Revenue $
HT ATM Buy-Rate is $1.00 per withdrawal. Sales rep and merchant receive 100% over the buy rate.

14. PLACEMENT PROGRAM – SALES REP BONUS
Surcharge $2.25 per Withdrawal
TRANSACTION REVENUE
Surcharge for HT
$0.50
x Transactions Monthly
300
Gross Surcharge Revenue
$150.00
Three Months Surcharge Bonus
$450.00
HT ATM Buy-Rate is $1.00 per withdrawal. Sales rep and merchant receive 100% over the buy rate.

15. LEASING HARDWARE

16. LEASE PROGRAM – MERCHANT REVENUE
Surcharge $2.25 per Withdrawal
TRANSACTION REVENUE
Surcharge to Merchant
$2.00
Gross Surcharge Revenue Generated
$600.00
Monthly ATM Lease Payment
($99.00)
Monthly Net Surcharge Revenue
$501.00
Projected Annual Surcharge Revenue $
HT ATM Buy-Rate is zero per withdrawal. Sales rep and merchant receive 100% over the buy rate.

17. LEASE PROGRAM – SALES REP BONUS
Surcharge $2.25 per Withdrawal
TRANSACTION REVENUE
Surcharge to HT
$0.25
Sales Agent Surcharge Revenue Generated
$75.00
Monthly Net Surcharge Revenue
$150.00
Three Months Surcharge Bonus
$450.00
HT ATM Buy-Rate is zero per withdrawal. ISO and merchant receive 100% over the buy rate.

18. HOW DO I CALCULATE MY COMMISSION FOR A LEASE?
Two lease options:
60 month & 48 month
Lease factor rate is (60 month) or (48 month) on all approved deals
Take the monthly payment and divide it by the factor rate to get gross funding
Subtract the cost of equipment and accessories
Subtract installation fees
What is left is your commission

19. ATM LEASE EXAMPLE ATM Lease $99.00 for 60 Months
Funded Amount $3,142.86
Hantel 17005w ($2,485.00)
EMV Card reader ($250.00)
Installation ($150.00)
Sales Rep Commission $257.86

20. ATM LEASE EXAMPLE ATM Lease $110.00 for 48 Months
Funded Amount $3,188.41
Hantel 17005w ($2,485.00)
EMV Card reader ($250.00)
Installation ($150.00)
Sales Rep Commission $303.41

21. REVENUE FOR THE LOCATION
ATM Lease or Purchase
ATM Placement
TRANSACTION REVENUE
Surcharge for Merchant
$2.00
Gross Surcharge Revenue
$600.00
Monthly Lease Payment
($99.00)
Net Surcharge Revenue
$501.00
Annual Surcharge Revenue $
TRANSACTION REVENUE
Surcharge for Merchant
$0.50
Gross Surcharge Revenue
$150.00
Monthly Lease Payment
N/A
Net Surcharge Revenue
Annual Surcharge Revenue $
Based on 300 Monthly Withdrawals

22. ROI – ATM LEASE Machine Surcharge: $2.25 Merchant Surcharge: $2.00
1st Quarter
2nd Quarter
3rd Quarter
4th Quarter
Year Two Q1
Year Two Q2
Year Two Q3
Year Two Q4
Year 3
Year 4
Year 5
Revenue
Surcharge Revenue
$1,800
$7,200
Quarterly total
Cumulative total
$3,600
$5,400
$9,000
$10,800
$12,600
$14,400
$21,600
$28,800
$36,000
Expense
Hardware Cost
($297)
($1,188)
Monthly Service
($30)
($120)
($327)
($1,308)
($654)
($981)
($1,635)
($1,962)
($2,289)
($2,616)
($3,924)
($5,232)
($6,540)
NET
$1,473
$5,892
$2,946
$4,419
$7,365
$8,838
$10,311
$11,784
$17,676
$23,568
$29,460
Machine Surcharge: $2.25
Merchant Surcharge: $2.00
Monthly Withdrawals: 300

23. REPROGRAMS
Merchant Cash – all surcharge goes to merchant and sales agent
Reprogram existing units in the field
Offer higher surcharge revenue by increasing the surcharge split or by increasing the overall surcharge amount
Upgrade kits available for non-compliant ATMs
$150 commission to sales rep

24. PROGRAM OVERVIEW Frequently Asked Questions Why would I want an ATM?
Additional revenue
Aren’t ATMs expensive?
Most merchants don’t realize that ATMs pay for themselves
Who stocks the machine and how much cash is needed?
Most merchants choose to stock the unit themselves
Rapid replenishment
Minimum amount needed - most recycle the bills everyday
We do offer armor car and vault cash services

25. PROGRAM OVERVIEW Frequently Asked Questions
What about shipping and installation?
Harbortouch’s program includes shipping, handling, installation and training
What communication methods are available?
Dedicated phone line, IP or wireless
What happens if the machine breaks down?
All units have a 1 year warranty on parts and 30 day warranty on labor
Extended Service Agreement - $34.99/month
How will I know when the machine needs money?
We offer online reporting that includes and/or text messages alerts

26. PROGRAM OVERVIEW Frequently Asked Questions What about security?
Our package includes bolting of the machine
Cassette is removable so merchant can store in office during non-business hours
How much money can I make with an ATM?
Most of the surcharge from each withdrawal
When will I receive my surcharge revenue?
By the 7th of the month

27. Steven Skrzenski 800-698-0026 x 420 sskrzenski@harbortouch.com
CONTACT INFORMATION
Steven Skrzenski x 420