1. GRAPHITE PAYMENTS ATM PROGRAM 1

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.  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

5. ISO BENEFITS  Provide additional income opportunities Surcharge revenue Reverse interchange revenue  Strengthen merchant relationships through multiple payment solutions  New revenue stream

6. 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 CONNECTIVITY OPTIONS

7. Merchant 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  Graphite Payments handles all cash management  Additional hardware required  Additional service fees  Ideal for arenas, airports, hospitals SETTLEMENT OPTIONS

8.  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

9. 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

10.  Placement Program  Lease or Purchase  Reprograms THREE SALES OPTIONS

11. PLACEMENT OVERVIEW  Qualified high traffic locations Hospitals Malls Airports  UCS completes a site survey  No upfront cost to merchant

12. ASSUMPTIONS Customers Daily:200 Usage Estimate x5% Transactions Daily:10 Days per Month x30 Transactions Monthly:300

13. TRANSACTION REVENUE Surcharge for Merchant$0.75 x Transactions Monthly300 Gross Surcharge Revenue$225.00 Lease PaymentN/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.

14. Surcharge $2.25 per Withdrawal PLACEMENT PROGRAM - SALES AGENT REVENUE TRANSACTION REVENUE Surcharge for Sales Agent$0.50 x Transactions Monthly300 Gross Surcharge Revenue$150.00 Lease PaymentNA Annual Surcharge Revenue$1800.00 HT ATM Buy-Rate is $1.00 per withdrawal. ISO and merchant receive 100% over the buy rate.

15. LEASING HARDWARE

16. 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$6012.00 LEASE PROGRAM – MERCHANT REVENUE HT ATM Buy-Rate is zero per withdrawal. ISO and merchant receive 100% over the buy rate.

17. Surcharge $2.25 per Withdrawal 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.

18. Funded Amount$3600.00 Hantel 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.

19. 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$6012.00 REVENUE FOR THE LOCATION ATM PlacementATM Lease or Purchase TRANSACTION REVENUE Surcharge for Merchant$0.50 Gross Surcharge Revenue$150.00 Monthly Lease PaymentN/A Net Surcharge Revenue$150.00 Annual Surcharge Revenue$1800.00 Based on 300 Monthly Withdrawals

20. ROI – ATM LEASE Machine Surcharge: $2.25 Merchant Surcharge: $2.00 Monthly 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 $7,200 Quarterly total$1,800 $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) ($1,188) Monthly Service($30) ($120) Quarterly total($327) ($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 $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

21. 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

22. 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

23. 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 Frequently Asked Questions

24. 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 7 th of the month Frequently Asked Questions

25. Graphite Payments 888-228-1011 Opt. 3 Service@graphitepayments.com CONTACT INFORMATION 25