GRAPHITE PAYMENTS ATM PROGRAM 1. ATM STATISTICS 2013 Federal Reserve Payments Study 5.8 billion ATM...

GRAPHITE PAYMENTS ATM

PROGRAM

1

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

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

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

MERCHANT BENEFITS

ISO BENEFITS

Provide additional income opportunities

• Surcharge revenue

• Reverse interchange revenue

Strengthen merchant relationships through multiple payment solutions

New revenue stream

Traditional Dial UpDedicated phone lineReduced cardholder concernsRemote 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

CONNECTIVITY OPTIONS

Merchant CashMerchant stocks machineRapid replenishment of dispensed funds – 48 hour cycleStock as often as neededMost merchants opt for this solution

HT Vault Cash Graphite Payments handles all cash managementAdditional hardware requiredAdditional service feesIdeal for arenas, airports, hospitals

SETTLEMENT OPTIONS

Turn key solution

• Hardware, deployment and transportation services

• Installation and training

Multiple connectivity options

Online reporting

Vault cash and armor car solution

Graphite Payments ATM

PROGRAM OVERVIEW

Hyosung MiniBank 1520

Height: 55.4" Width : 16" Depth : 24” Weight: 269 lbs

ADA compliant

ATM topper

Visa encrypting pin pad

Thermal printer

Removable 1000 note cassette

9

Placement Program Lease or Purchase Reprograms

THREE SALES OPTIONS

PLACEMENT OVERVIEW

Qualified high traffic locations

• Hospitals

• Malls

• Airports UCS completes a site survey No upfront cost to merchant

ASSUMPTIONS

ASSUMPTIONS

Customers Daily: 200

Usage Estimate x 5%

Transactions Daily: 10

Days per Month x 30

Transactions Monthly: 300

TRANSACTION REVENUE

Surcharge for Merchant $0.75

x Transactions Monthly 300

Gross Surcharge Revenue $225.00

Lease Payment N/A

Annual Surcharge Revenue $2700.00

Surcharge $2.25 per Withdrawal

PLACEMENT PROGRAM - MERCHANT REVENUE

HT ATM Buy-Rate is $1.00 per withdrawal. ISO and merchant receive 100% over the buy rate.


PLACEMENT PROGRAM - SALES AGENT REVENUE

TRANSACTION REVENUE

Surcharge for Sales Agent $0.50

x Transactions Monthly 300


Lease Payment NA


HT ATM Buy-Rate is $1.00 per withdrawal. ISO and merchant receive 100% over the buy rate.

LEASING HARDWARE


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 $6012.00

LEASE PROGRAM – MERCHANT REVENUE

HT ATM Buy-Rate is zero per withdrawal. ISO and merchant receive 100% over the buy rate.


TRANSACTION REVENUE

Surcharge to Sales Agent $0.25

Sales Agent Surcharge Revenue Generated $75.00

Interchange Revenue $0.25 per W/D $75.00

Monthly Net Surcharge Revenue $150.00

Project Annual Surcharge Revenue $1800.00

LEASE PROGRAM – SALES AGENT REVENUE

ATM Buy-Rate is zero per withdrawal. ISO and merchant receive 100% over the buy rate.

Funded Amount $3600.00Hantel 17005w ($2,300.00)Shipping and Handling ($0.00)Installation ($300.00)Last Month Payment ($99.00)

Sales Agent Net Funding $901.00

ATM LEASE EXAMPLE

ATM Lease $99.00 for 60 Months

Graphite Payments Factor Rate for A Paper is .0275. Take lease payment and divide by factor rate to obtain gross funding.

TRANSACTION REVENUE



Monthly Lease Payment ($99.00)

Net Surcharge Revenue $501.00


REVENUE FOR THE LOCATION

ATM PlacementATM Lease or Purchase

TRANSACTION REVENUE



Monthly Lease Payment N/A

Net Surcharge Revenue $150.00


Based on 300 Monthly Withdrawals

ROI – ATM LEASE

Machine Surcharge: $2.25Merchant Surcharge: $2.00Monthly Withdrawals: 300

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 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $7,200 $7,200 $7,200

Quarterly total $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $1,800 $7,200 $7,200 $7,200 Cumulative total $1,800 $3,600 $5,400 $7,200 $9,000 $10,800 $12,600 $14,400 $21,600 $28,800 $36,000 Expense

Hardware Cost ($297) ($297) ($297) ($297) ($297) ($297) ($297) ($297) ($1,188) ($1,188) ($1,188) Monthly Service ($30) ($30) ($30) ($30) ($30) ($30) ($30) ($30) ($120) ($120) ($120) Quarterly total ($327) ($327) ($327) ($327) ($327) ($327) ($327) ($327) ($1,308) ($1,308) ($1,308) Cumulative total ($327) ($654) ($981) ($1,308) ($1,635) ($1,962) ($2,289) ($2,616) ($3,924) ($5,232) ($6,540) NET Quarterly total $1,473 $1,473 $1,473 $1,473 $1,473 $1,473 $1,473 $1,473 $5,892 $5,892 $5,892 Cumulative total $1,473 $2,946 $4,419 $5,892 $7,365 $8,838 $10,311 $11,784 $17,676 $23,568 $29,460

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

Build a stronger portfolio

PROGRAM OVERVIEW

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

Frequently Asked Questions

PROGRAM OVERVIEW

What about shipping and installation?

• Graphite Payment’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 email and/or text messages alerts


PROGRAM OVERVIEW

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


Graphite Payments888-228-1011 Opt. 3

[email protected]

CONTACT INFORMATION

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