1. Will Waiting to Upgrade Save You Money?
Mike Borelli
National Sales Manager
Emily Cain
Territory Manager of Texas
Patriot Capital
“Why upgrading your pumps for EMV now may not cost you money”

2. Who We Are
Patriot Capital has been focusing it’s financing resources on the Petroleum and C-Store industry for almost 20 years.
We’ve helped thousands of customers acquire needed equipment with our financing products.
Our customers have been able to enhance their sites, acquire necessary equipment upgrades and increase their overall sales volumes and profits by providing simple and competitive financing.
We finance anything needed in a C-Store: Underground Storage Tanks (UST), Coolers, Point Of Sale, Car Wash Equipment and more! For 100% of the costs, including shipping, installation, and maintenance

3. Virtually All Retail and Commercial Petroleum and C-Store Equipment
What We Finance
Fuel Dispensers Including CRIND Upgrades
POS Systems
LED Lighting
Underground Storage Tanks (UST’s)
Car Washes and Entry Systems / EMV Upgrades
Canopies
Image Upgrades And Graphics Packages
Price Signs And Brand Signs
Inside-the-store Capital Equipment – Beer Caves, Coolers, Freezers
Virtually All Retail and Commercial Petroleum and C-Store Equipment

4. Why Upgrade? Reasons for upgrading to EMV:
Over 50% of sites will be upgraded by Dec. 2018
EMV pumps have secure card processing
EMV pumps reduce the risk of fuel theft and meter tampering
New pumps include entertainment and promotional features.
New pumps drive customers’ in-store purchases.
Upgraded pumps enhance the sites image.
Reasons for not upgrading to EMV:
“My customers are loyal, they don’t care about being secure.”
“It’s throwing money down the drain.”
“It’s spending money that won’t help my business.”

5. What Will Card Fraud Cost You?
Over 96% of the top 200 U.S. merchants are accepting EMV. In the fourth quarter of 2017, EMV credit card transactions accounted for over 60% of $$$ transactions. Consumers care more about securing their information than about being loyal to you. Crooks will shoot for easy targets; which are non-EMV sites.

6. Detailed EMV Timeline
2015
2014
2013
2012
2011
Aug. 2011: Visa announces
US EMV timeline
Apr 2013: Processor mandate to support EMV
Jan. 2012: MasterCard announces US EMV
June 2012: AmEx announces US EMV
Oct 2016: VISA and MC change Oct 17 to Oct 20
2016
2017
2020
Oct 2015: In-store liability shift – all US retail
Oct 2020: Liability shift on forecourt

7. Upgrade 2018 vs. 2020 Price Increases 2018 – 2020 = $6,500 Savings
Interest Rate Increases = $3,500 Savings
New Pump Warranty = $3,000 Savings
Upgrading Now Boosts Traffic
5% Growth = $74,000 Incremental 3 Year Profit
Limited Growth If You’re Last To Upgrade
2020 or Later Cost of Four-Pump Upgrade = $72,000
2020 or Later Incremental Cost = $13,415
-$85,415
2018 Cost of Four-Pump Upgrade = $70,000
2018 Total Incremental Profit = $87,000
+$17,000
Gas Pumps +4-5 % year
Technicians
+7-10 % year
Borrowing
Costs
+200 BP
16% Cost Increase by
2021?

8. Change Creates Opportunity
Pay at pump ignited C- store growth by freeing staff to serve customers
EMV creates an opportunity for progressive jobbers and marketers to develop:
Programs to improve the consumer experience
Site tools to improve overall site operations
Expand and extend supply contracts
Become future ready

9. How We Can Help Benefits of Financing Payback Calculator
100% of the costs, including shipping, installation, and maintenance, can be included in the lease.
No blanket liens or second mortgages.
We can finance equipment even if you do not own the site.
Leasing doesn’t tie up lines of credit.
Preserve lines of credit for things that grow your business like land, more sites, fuel inventory, etc.
The upfront costs are very non-restrictive, generally only two payments in advance.
Lease payments are fixed, not variable.
All of Patriot Capital’s lease, loan, or equipment finance payments, are fixed at today’s very attractive rates.
View Online Calculator

10. Q&A Mike Borelli Emily Cain Patriot Capital National Sales Manager
Territory Manager of Texas
Patriot Capital
Q&A