GloTech has designed and developed a Self-Service Financial Machine (SFM) that provides multiple revenue streams for retail locations including: 1. Check Cashing 4. Bill Payment2. Cash Withdrawal 5. Money Transfer 3. Prepaid Visa/Master Card 6. Cellular Minutes Refill All of the above listed Alternate Financial Services (AFS) target the 68 million unbanked/under-banked adults in the US. These services are uniquely combined in a single bilingual machine, saving premium floor space at each location and servicing both English and Spanish speaking customers.

Why Own an SFM?Owning a kiosk with a variety of services, rather than just one, translates into more profit for the SFM owner and store owner. All these services are regularly used and variety is the key to volume. Some of the locations may require multiple units to meet the high traffic demand. Key buyer benefits include:

1. Multiple revenue streams from a single machine2. Able to generate revenue from a variety of locations due to multiple

services offered3. For store owner, increased traffic due to multiple services offered4. For store owner, increased revenue from small floor space5. Increased revenue without interrupting day-to-day operations; turnkey

business model

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Product Info

SFM2000

The Need is ClearNearly 68 million Americans are unbanked or under banked and GloTech is committed to servicing the needs of these customers 24/7 through integrated financial services provided in their SFM. All these people have a pressing need to cash their checks, pay bills, transfer money, get prepaid cards, and add cellular minutes to their mobile phones. Machines have been dispersed in convenience stores in the Atlanta market since July 2012, demonstrating excellent and consistent growth in transactions. While this machine is quite complex in composition, it's not difficult to use; customers have recognized and appreciated the user-friendly application for each feature. Designed & Assembled in USAThousands of hours of research and development have led to the creation of the SFM. GloTech has thoroughly tested multiple vendor modules to determine what changes would be necessary to meet not only the needs of their clients but their company's high standards for quality. Through implementation of state-of-the-art technology, high efficiency parts, and proprietary software developed by their in-house software team, GloTech has achieved its goals-longevity, enhanced performance, and user-friendliness. They are the sole owner and manufacturer of these kiosks of which all assembly and testing occurs in Atlanta, Georgia. In addition, GloTech has partnered with various industry leaders to integrate best practices in their SFM; they have created a partnership with their suppliers in order to raise the bar on quality.

introduction

Product WarrantyGloTech provides a 12 month warranty for parts and labor from the date of delivery. Service and MaintenanceGloTech provides all maintenance & repair of hardware plus software upgrades for all SFMs placed in service by GloTech. 'Turnkey' Business ModelGloTech is offering the buyer a completely hands-off business model to include:

• Managing the placement of the SFMs • Managing operations • Providing maintenance & repairs • Providing third party interface with service

providers • Integrating software • Providing customer service • Collecting revenue and paying all parties

involved in this business model• Providing online reporting tools to view all

transactions and earnings from their SFMs. Revenue SharingGloTech provides revenue sharing to the buyer from the following multiple income streams:

1. Check Cashing2. Bill Payment3. Cash Withdrawal4. Money Transfer5. Prepaid Visa/Master Card6. Cellular Minutes Refill

product overview

Who owns the machine after purchase and installation?

Buyer owns the machine after purchased. How is the buyer protected so that the kiosks they own will stay in service?

There is a 5 year contract signed with the retailer. This contract is renewable upon expiration. Who fills the machine with money and who collects the cash and checks from machine?

All filling of cash and collection of cash and checks is handled through our partnership with a top international money handling company. What is in place to deter theft of this machine?

Each machine weighs approximately 1,000+ pounds. Cash is enclosed in a metal safe. (Since the safe is custom designed, the design knowledge is not publically available). The safe is bolted in the ground. Optional alarms include heat or tear-off alarms. If the SFM is stolen, who is responsible/liable?

The owner can purchase insurance that will cover physical damage to the SFM as well as loss. How long does it take to receive the SFM after purchased?

Once payment is received, it takes about 14 to 18 weeks. Who selects the location?

GloTech allows the buyer to select the retail location(s) if the property owner allows. All negotiations with the property owner are conducted by the buyer. If, however, the buyer prefers GloTech to handle these negotiations, then they will select the location.

FAQ

GloTech has been in the software development business since January 2000. Clients include large enterprises such as Delta Airlines, The National Association for the Education of Young Children (NAEYC), and many more. In addition, their software development has extended into the check cashing industry beginning in 2006. In 2010, GloTech expanded into developing innovative products that combine hardware and software. Both the above Check Cashing Kiosk as well as their Patient Registration/Check-in Kiosk for doctors' offices and hospitals are among the first. GloTech is dedicated to the changing face of technology. Their products focus on both existing and future demands, creating not just a product but a complete solution. All products are designed with a turnkey model and ability to generate a handsome profit for all involved.

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