Techpay.mobi mobile payment systems business plan.

CONFIDENTIAL
TechPay Mobile Payment
Systems
TechPay -The easy way to shop and pay
Business Plan
Prepared February 2016
Contact Information
Ross Markbreiter
rossm@techpay.mobi
866-607-1044
http://www.techpay.mobi

TechPay Mobile Payment Systems
i
CONFIDENTIAL - DO NOT DISSEMINATE. This business plan contains confidential, trade-secret
information and is shared only with the understanding that you will not share its contents or ideas with
third parties without the express written consent of the plan author.
Table of Contents
Executive Summary .................................................................................................................... 1
Who We Are......................................................................................................................... 1
Financial Summary............................................................................................................. 2
Company....................................................................................................................................... 4
Management Team............................................................................................................. 4
Products and Services................................................................................................................. 9
Products and Services ........................................................................................................ 9
Competitors........................................................................................................................ 10
Target Market ............................................................................................................................ 11
Market Overview.............................................................................................................. 11
Market Needs .................................................................................................................... 13
Strategy and Implementation................................................................................................. 14
Marketing Plan.................................................................................................................. 14
Milestones.......................................................................................................................... 16
Financial Plan ............................................................................................................................ 18
Generation of Revenue-Based on 2,774 stores and 100,000 users............................ 18

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Projected Revenue Forecast ............................................................................................ 20
Personnel Plan................................................................................................................... 22
Budget................................................................................................................................. 23
Financial Statements ................................................................................................................ 25
Profit and Loss Statement ............................................................................................... 25
Balance Sheet..................................................................................................................... 28
Cash Flow Statement........................................................................................................ 30

1
Executive Summary
Who We Are
TechPay Mobile Payment Systems™, headquartered in Dana Point, California, is a
software developmentcompany.
TechPay has developed SwiftPay™, a revolutionary, proprietary mobile platform
designed specifically for grocery stores and supermarkets to benefit both the consumer
and the merchant.
Our product SwiftPay™, is a software solution that integrates into a merchant’s retail
system, helping to streamline the shopping process and save consumers time and
money.
This new standard of technology is not just a "Wallet" but a complete Point of Sale
(M-POS) system. SwiftPay™ allows consumers to enter their personal loyalty cards,
make a shopping list and scan manufacturer coupons from the internet, retailer
websites, retailer mobile APPS, newspapers, magazines and mailers. Once logged in
with a vendor’s loyalty card, SwiftPay™ shows discounts to the consumer, in real time
via their mobile device (apps available in both iOS and Android at nocharge).
With one simple scan, the entire checkout process iscomplete.
Our primary customers are retail businesses that accept credit cards and/or debitcards;
and consumers, most specifically,moms.
TechPay is proud to have Kathy Ireland as our Brand Ambassador. Kathy has been a
longtime advocate for women, with Associated Press calling Kathy, “best friend to
working moms”. Kathy’s mission statement is “finding solutions for families,
especially busy moms”. And, SwiftPay is one of the ways busy moms are able to
streamline grocery shopping and save money all at the sametime!
The kathy ireland brand is listed as the 31st most powerful brand globally, by License
Global Magazine, with annual merchandise sales of $2 billion, according to Forbes

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Magazine. Kathy has been named #33 on Forbes 2015 Inaugural List of America's 50
Richest Self-Made Women. Kathy gracefully balances the roles of wife, mother, author,
humanitarian, activist and Chief Designer and CEO of kathy ireland Worldwide.
SwiftPay™, processes credit cards/debit cards, sends transactions via email, and saves
all sales data for both consumer and retailers. In addition, the system provides scan
statistics, which can analyze all sales using a private web portal, giving the retailer
insight into the buying patterns of each customer. And, no specific device or merchant
terminal is required; it can run on any system as it is softwarebased.
There are three different ways to shop with a mobile device. 1. scan items and create a
QR code with payment information that was entered on the website or APP. Then
checkout using a pin and basket is saved and email receipt sent. 2. the cashier scans
item and uses the "pay now" button on app they chose payment option. 3. Scan, Pay
and Go. Consumer doesn’t have to see a cashier at all. Merchant can see sales, scan data
and run banner campaign from their portal.
TechPay offers retailers the ability to customize and create a Mobile Payment system
for any company, along with banner ad capabilities, which can be considered as an
additional source of revenue.

3
Financial Summary
Overview
TechPay’s revenue will be generated based off a percentage on each credit card,
debit card or check sale, as well as license fees, maintenance packages, banner ads
and integration fees.
Projected Financial Highlights by Year

4
Company
Management Team
Ross Markbreiter Founder - Inventor - Chief ExecutiveOfficer
Ross Markbreiter is an entrepreneur and visionary, with executive experience in all
facets as CEO/CTO. He has been consistently ahead of the curve in anticipating future
technology and its impact on U.S. business. Ross is a pioneer in internet technology and
ecommerce; he founded and built The World Wide Web Store - one of the first full
service companies to setup email, and design, build and host websites in the mid1990’s,
when the internet was still in its infancy. Mr. Markbreiter innovated the online
“shopping cart” and integrated online payment processing and merchant accounts for
his clients, before it became the norm of today’s ecommerce. He was the very first
online merchant with CardService International, now, First Data.
As an IT Director and Executive, Ross grew a now well-known startup company from
$100,000 (in annual sales) to more than $200 million in annual sales. Ross has provided
full service turnkey IT solutions, including: Virtual Gateway security; business systems
solutions (he was one of the first to facilitate client merchant accounts for online
businesses); apps for iPhones (and all other mobile devices); Domain Name
Registration; and, Search Engine Optimization(SEO).
As a visionary, Ross conceived the idea to build the new, revolutionary MobilePayment
System “TechPay”, which will transform payment processing for retail businesses and
Mcommerce for consumers. His broad industry experience and technical knowledge
have enabled him to develop a unique, proprietary SwiftPay ™ the first technology
from TechPay Mobile Payment Systems, the most likely system of its kind to be
integrated in real world applications. In other words, his system is technically and
financially viable, intuitive (user friendly), and completely compatible with current
retail payment transaction infrastructure. TechPay will change the way the world will
shop and pay!

5
Michele Burke, Chief Operating Officer
Michele Burke brings more than 25 years’ experience in the areas ofmanagement,
operations, technology, marketing and business development.
She has most recently served as President and CEO of BC Connect, LLC, a leading
third-party software and services provider for the field services, REO and default
management industries. She pioneered the company’s unique enterprise architecture
model of systems design that enabled tiered workflow management, including multi-
level roles and rights management capabilities to meet compliance and information
security needs, and within five years went from a startup to a $10-million-dollar
company.
Prior to founding BC Connect, Michele launched The CBMB Group, an entrepreneurial
venture offering diverse strategic and integrated marketing communications expertise
to clients.
She served as Senior Vice President, Marketing for Countrywide Financial Corporation,
a former Fortune 150 Financial Services Company (NYSE: CFC), where she led all
marketing, advertising and pr initiatives for three divisions of CFC, its products and
services, and clients, for both B2B and B2C initiatives. She improved brand
consistencies, increased efficiencies and reduced time-to-market while optimizing
people, processes, and costs, saving the company $2.3 million in expenses in 2003.
Earlier in her career, Michele was on the agency side of marketing and advertising, in
which she held executive level positions for different full service marketing, advertising
and public relations agencies, developing and managing all aspects of new and existing
client relationships. Some of her clients included NASA, SpaceWeek International,
Space Center Houston, GTE (Internet Division), Nortel, Nocona and Diamond J Boots,
and Texas Children’s Hospital.

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Michele holds a Bachelor of Arts degree in Communications from Texas Tech
University, and a Jesse H. Jones Graduate School of Management Certificate from Rice
University.
Miles Robinson, Chief Development Officer
Miles Robinson became a professional drummer in his mid-teens, playing in venues
throughout Northern California, and gained extensive broadcast experience as a key
disc jockey for a well-known radio station.
Miles performed, toured and recorded with many Grammy nominated andwell-known
artists. He also recorded with Motown Records, and Warner Brothers Records and, at
Gold Star Studios with members of Phil Spector’s “WreckingCrew”.
He then joined the multi-platinum and six-Grammy award-winningmusical
giant, The 5th Dimension, as the drummer, recording and touring worldwide at
exemplary venues, including performances at the White House.
Miles later moved into the world of talent management and production. He joined a
management firm that became acquired by “kathy ireland Worldwide” (kiWW), and
was instrumental in the transfiguration of that company from a talent management
entity into a multi-billion-dollar design and marketingfirm.
He served as Vice President of Production for kiWW, interfacing with manufacturers,
retailers, global strategic partners in all areas of brand recognition and utilization of his
music and production skills. While with kiWW, Miles produced and directed a
multitude of kiWW’s business and consumer film and video productions, including
projects with Janet Jackson and produced Dame Elizabeth Taylor’s last performance of
“Love Letters” with James Earl Jones. He was a core team member, enabling Kathy
Ireland’s company to be estimated in value by Forbes magazine in 2012 at
approximately $2 billion dollars in retail sales.

7
Ron Feuer, Chief Strategy Officer
Ron Feuer began his career as the keyboard player for the Grammy awardwinning
group “The 5th Dimension”, and later became the MusicalDirector.
He went on to tour and perform with many distinguished artists such as Peter
Frampton, The Dixie Chicks, The Temptations, Natalie Cole, Poison, Dave Kozand
Jason Mraz.
In 2012, Ron became the Musical Director for the hit show America’s Got Talent.
He also excelled in the world of television as both a composer and executive producer,
taking home a BMI music award for the theme song he wrote for the VH1 hit series
“Scott Baio 45 & Single” and ”Scott Baio 46 and Pregnant.” Ron’s music has graced TV
shows and series on many networks including HBO, NBC, CBS, Animal Planet, Tru TV,
WE, Fox, MTV, History and Discovery Channel.
Ron Feuer Executive Producer, produced and composed the music for such films as
“The Kiss” and “Mother’s Day.” Both films garnered numerous awards on the festival
circuit.
In 2013, Miles and Ron joined forces, and started their own company, Milestone
Venture Productions (MVP). They have developed and produced many commercial
and corporate videos and presentations for companies such as Macy’s, Fox Business
News’ Worldwide Business with Kathy Ireland; and American Family Insurance. In
addition, MVP has produced non-profit fundraising events for Boys and Girls Club;
Compton Junior Posse; and Providence Educational Foundation, to name just afew.
Robinson and Feuer bring more than 30 years of combined experience in the musicand
entertainment business, as well as film and television production. Miles and Ron have
helped fuel the success of artists, entrepreneurs, and corporations in meeting their
strategic business and creative goals.

8
Nancy Kelly - Senior Executive Member, CardProcessing
Ms. Kelly, Senior Executive Member, comes to TechPay LLC with nearly 20 years of
experience in the payment processing industry. During her tenure as senior manager
with Card Service International/FirstData, she grew her regional office’s annual
business volume more than twenty fold, with a group of highly experiencedindividuals
on her team.
Nancy credits her success to stellar customer service, strong networking - both inside
and outside the industry - and the ability to adjust to all of the Processing Industry
changes: from POS based transactions and later, debit cards to ecommerce, Mcommerce
and global online business.
A California native, Ms. Kelly has a wealth of colleagues, contacts and strategic
partners. She has worked closely with Ross Markbreiter in the industry for at least 15
years, while he was resident of The World Wide Web Store and now the founder and
Chief Executive Member of “TechPay”.
RPR Public Relations, Inc. - ExecutivePR
RPR Public Relations, Inc. is the PR firm of record for TechPay. Their PR and marketing
firm’s focus is on ROI and providing exceptional customer service and stellar results.
Since 2003, RPR’s experienced publicists have provided outstanding brand
management, public relations and marketing services to entrepreneurs, startups and
small-to-medium sized businesses located throughout the United States, Canada, South
America, Europe, the Middle East, Russia and Asia. This includes companies involved
in the technology, consumer product goods, B2B and B2C services, healthcare and
financial industries.
John Pretto - Senior Executive Board Member
Scott Preble - Senior Executive Board Member

9
Products and Services
TechPay™ has developed SwiftPay™, a revolutionary, proprietary mobile platform
designed specifically for grocery stores and supermarkets to benefit both the consumer
and the merchant.
Our product SwiftPay ™, is a software solution that integrates into a merchant’s retail
system, helping to streamline the shopping process and save consumers time and
money.
This new standard of technology is not just a "Wallet" but a complete Point of Sale(POS)
system. SwiftPay™ allows consumers to enter their personal loyalty cards, make a
shopping list and scan manufacturer coupons from the internet, retailer websites,
retailer mobile APPS, newspapers, magazines and mailers. Once logged in with a
vendor’s loyalty card, “SwiftPay” ™ shows discounts to the consumer, in real time via
their mobile device (apps available in both iOS and Android at no charge). With one
simple scan, the entire checkout process iscomplete.
SwiftPay™, processes credit cards/debit cards, sends transactions via email, and saves
all sales data for both consumer and retailers. In addition, the system provides scan
statistics, which can analyze all sales using a private web portal, giving the retailer
insight into the buying patterns of each customer. And, no specific device or merchant
terminal is required; it can run on any system as it is softwarebased.
There are three different ways to shop with a mobile device. 1. scan items and create a
QR code with payment information that was entered on the website or APP. Then
checkout using a pin and basket is saved and email receipt sent. 2. the cashier scans
item and uses the "pay now" button on app they chose payment option. 3. Scan, Pay
and Go. Consumer doesn’t have to see a cashier at all. Merchant can see sales, scan data
and run banner campaign from their portal.

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TechPay™ offers retailers the ability to customize and create a Mobile Paymentsystem
for any company, along with banner ad capabilities, which can be considered as an
additional source of revenue.
Competitors
TechPay Mobile Payments Systems is the only offering of itskind.
Apple Pay™ Is a way to pay, B2C consumers use their mobile device to pay for
products. Apple Pay requires an NFC enabled device and NFC enabled terminals. It is
just a way to pay.
Square™ Is a B2B company and predominately has customers that are smallbusiness
and do fewer transactions at a time. Square is a way to pay andB2C
LevelUp™ is for restaurants and other businesses. Their mobile app is used for check
out/paying purposes only. A way to Pay LevelUP ™ Is B2C
SamSung Pay™ For galaxy devices. Same as Apple Pay butfor Android.
TechPay Mobile Payment Systems ™ is scalable and can support unlimited users, and is
integrated into the merchant/retailer’s POS system. With TechPay you can shop and pay!
TechPay does not require any specific device or merchant terminal; it can run on any
system, as it is software based. TechPay is designed for both B2B and B2C.

11
Target Market
Market Overview
The “Mobile Space” is a surging enterprise, and experts anticipate within the next five
years, most retailers will transition to mobile paymentsystems.
According to a recent Statistica.com report, there are approximately 184.2 million
current smartphone users in the U.S. It is estimated by 2020 there will be 220 million
smartphone users.
A 2015 Statistica.com report identified there are 2 million retail businesses in theU.S.
Of that 2 million, 110,000 are chain stores, and 37,716 are grocery stores, all who can
utilize and benefit from m-commerce.
According to the new edition of Deloitte’s annual Technology, Media &
Telecommunications (TMT) Predictions report, in-store mobile payments will increase
by more than 1,000% worldwide this year with 5% of the world’s smartphones being
used to make a payment in a store at least once a month, up from under 0.5% in mid-
2014.
2015 will be the “first year in which the multiple prerequisites for mainstreamadoption
— satisfying financial institutions, merchants, consumers and device vendors — have
been sufficiently addressed”, the authorsconclude.
There has been a tectonic shift in the way consumers spend their time online. In October
2014, 52% of the time consumers spent online occurred within smartphone and tablet
apps, according to new data provided exclusively to Internet Retailer from web and

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mobile measurement firm comScore Inc. 40% of online time was spent in web browsers
on desktops and laptops and 8% spent in web browsers on smartphones and tablets.
https://www.internetretailer.com/2014/12/10/mobile-apps-dominate-time-consumers-
spend-online.
The global smartphone audience surpassed the 1 billion mark in 2012 and was
estimated to total 1.75 billion in 2014. eMarketer expects smartphone adoption to
continue on a fast-paced trajectory through 2017. Nearly two-fifths of all mobilephone
users—close to one-quarter of the worldwide population—used a smartphone at least
monthly in 2014. By the end of the forecast period, smartphone penetration among
mobile phone users globally will near 50%. - See more at:
http://www.emarketer.com/Article/Smartphone-Users-Worldwide-Will-Total-175-
Billion-2014/1010536#sthash.ch7q41RX.dpuf.
NCH Marketing Services, Inc., an international coupon processing company, says that
77 percent of all US households use coupons (particularly in markets where their value
is doubled). It is a common misconception that only lower income shoppers use
coupons to save money. In fact, a recent survey by NCH Marketing Services revealed75
percent of customers in all income brackets use coupons sometimes, with the highest
rate of coupon clippers, 82.9 percent, having an income of $25,000 - $50,000.
NCH Marketing Services, conducted a telephone survey of 1,000 consumers and found:
• Three out of four shoppers use coupons.
If a consumer loses their credit card(s) or their wallet gets stolen, it is a major issue.
They have to call to cancel their cards, check statements, wait days or weeks to get new
cards and cannot do anything until a new one is received. Using one of TechPay Mobile
Payment Systems, card information is stored on your phone. If a phone is lost or stolen,
data can be erased and a new phone issued the same day, and all data restored.
Payment and application of coupons through mobile devices is the future. Thenumbers
are rising. 16 % of businesses will add MPOS in the next year. Mpos will replace
existing POS systems.

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Market Needs
Mobile is the future and future of accepting payments. The numbers are rising. 16 % of
business will ad Mpos in the next year. Mpos will replace existing Possystems.

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Strategy and Implementation
Marketing Plan
As mentioned previously, Kathy Ireland is TechPay’s™ Brand Ambassador. Ms. Ireland
will be included in various marketing, advertising and promotional campaigns and
initiatives.
TechPay™ is different than most mobile payment systems, as it is more of an Mpos
system. Our goal is to be the first to integrate our platform into grocery stores, and co-
market with retailers and processors through in-store advertising, Facebook, Twitter,
other social media, and where applicable, joint advertising with merchants on television
and newspaper.
We will partner with NCR to integrate into two of NCR’s Pos systems v 6.1 and 6.2.
There are currently 1500+ stores running ACS-IR and 2000+ running ACS Base. Once
integrated, TechPay™ would own the intellectual property/software update.
As part of the partnership with NCR, they will give TechPay™ the names andcontacts
of stores who use the system. This would be certified and free toretailers.
Once these plans and processes have been successfully implemented, we will move
forward with other POS companies to do the same. And, partner with major retailers
and credit card processors.
In addition, TechPay™ will develop enhancements for its mobile apps to include
reward programs and enhanced shopping experiences and add new technologies as
they are developed
The sales management program, salesforce.com will be used by the TechPay sales team
as its business development and managementsoftware.

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Positioning
TechPay the easy way to shop and pay- Mobile payment system for retails and
consumers.
Pricing
We integrate into each retailer and the cost will vary. The APP IS Free for theconsumer.
It is our plan to have our first major integration with NCR in two POS systems made
for grocery stores. Then move into other Pos system integrations with NCR and other
companies that create POS systems forbusinesses.
Promotion
Television, radio, print, digital, social media (e.g. Facebook, Twitter, Blogs),
co- marketing, in-store advertising and events will be included in a detailedmarketing
plan, for which Kathy Ireland will be a part of several promotional initiatives.
Partnerships with credit card processors, emagazines, andtradeshows will also be part
of TechPay’s marketing plan.
Distribution
We sell to the retailer, who then markets to their customers to use the system.
Wewill conduct co-marketing with each retailer.

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Milestones
Milestone Due Date Who's Responsible Details
SwiftPay TM Completed TechPay SwiftPay TM the first
working system from
TechPay has been
completed.
MVP Partnership Completed TechPay LLC and MVP
Media
TechPay and MVP Media
Partner and added to LLC
OA
Filed Trademarks Completed TechPay TechPay Mobile Payment
Systems SwiftPay
registered.
Partner with kiWW Completed MVP, kiWW,TechPay Partner with kiWW
Update SwiftPay for all
ios and iphones use.
March 01, 2016 CEO Update SwiftPay APP
design and server side to
be applicable for all ios
and iphones, and Android
Transition from LLC to C
Corp
April 01, 2016 CEO Transition from LLC to C
Corp
Trademarks May 31, 2016 File New Trademarks File all new trademarks
Get into NCR update June 01, 2016 TechPay, NCR, SNT Get SwiftPay TM into NCR
update to be available
August 2015
Update Filed for Patents June 01, 2016 TechPay LLC Update Patents filed.
Update Patents and add
Trademarks
June 01, 2016 CEO Update patents to non-
provisional patents and
file additional trademarks
Kathy Ireland Marketing
Materials
June 30, 2016 MVP Kathy Ireland Video and
Marketing materials
completed.
Pilot Running July 01, 2016 CEO COO CTO Get into a store for a
pilot.
Update Website July 31, 2016 Marketing Update Website to
WordPress and new design

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Financial Plan
Generation of Revenue-Based on 2,774 stores and
100,000 users
We will integrate into each retailer system separately, and because each is unique, the
cost will vary. A percentage fee of each debit/credit card and check sale transaction will
be collected and we will receive a monthly residual from the credit card processor.
Using Authorize.net as our virtual gateway will also generate a monthly residual based
on volume of sales. These fees are estimated to be approximately $10,000 per grocery
store per month.
Revenue will also be generated by running banner ads on each mobile phone on behalf
of the merchant’s customer base and target companies such as Proctor and Gamble, and
Kellogg's to have exclusive advertising on the APP. Banner advertising is also available
in the consumer and retailer portal. This can create an additional estimated $10,000 per
store per month. Additional revenue fees will be generated by charging license,
maintenance and integration fees to the merchants.
As stated earlier, the Application is free for theconsumer.
According to the USDA, the average amount a family of four spends on groceries per
week is $239. Based on this statistic, we have incorporated $956 per month into the
following projected revenue scenario:
In this plan we will show projected revenue based on one national retail grocerychain
that has 2,774 stores, with 100,000 users.
This equates to 36 SwiftPay APP users per store.

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Projected revenue is based on the scenario that a family of 4 spends approximately
$956 per month on groceries.
Additional revenue projections include:
A rate of .05 cents per transaction on Credit card processing
License Fee of $1500. per store
Authorize.net fee of $20 per month, and .20 cents per transaction perstore
Please note: The proposed financials indicate only one national retail grocery chain. As
we grow and increase merchant chains and retailers, these numbers will increase
significantly.

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Projected Revenue Forecast
Revenue Forecast
FY2016 FY2017 FY2018 FY2019 FY2020
Revenue
Percentage of
each sale of
credit card
$5,736,000 $1,147,200 $2,944,000 $5,888,000 $117,760,000
transaction
License Fee per
store
$3,900,602 $4,752,000 $5,702,400 $6,842,880 $8,211,456
Banner
advertising
$144,000 $172,800 $207,360 $248,832 $298,598
Authorize.net
.20 per $960,000 $1,152,000 $1,382,400 $1,658,880 $1,990,656
transaction
Authorize.net
gateway fees $633,600 $760,320 $912,384 $1,094,861 $1,313,833
$20 Per Mo.
Total Revenue $11,374,202 $7,984,320 $11,148,544 $15,733,453 $129,574,543
Direct Cost
Percentage of
each sale of
credit card
$57,360 $11,472 $29,440 $58,880 $1,177,600
transaction
Authorize.net
.20 per $9,600
transaction fee
$11,520 $13,824 $16,589 $19,907
Authorize.net
gateway fees
$6,336 $7,603 $9,124 $10,949 $13,138
Banner
Advertising
$120,000 $120,000 $120,000 $120,000 $120,000
License and
Maintainance $120,000
fees
$120,000 $120,000 $120,000 $120,000
Total Direct
Cost
$313,296 $270,595 $292,388 $326,418 $1,450,645

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Gross Margin $11,060,906 $7,713,725 $10,856,156 $15,407,035 $128,123,898
Gross Margin % 97% 97% 97% 98% 99%
Revenue by Year
About the Revenue Forecast
According to the USDA, the average amount a family of four spends on groceries per
week is $239.
Based on this statistic, we have incorporated the following projected revenue scenario:
One national retail grocery chain that has 2,774 stores
100,000 users which equates to 36 SwiftPay APP users per store
Family of 4 spends approximately $956 per month on groceries

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Additional revenue projections include:
A rate of .05 cents per transaction on Credit card processing
License Fee of $1500. per store
Authorize.net fee of $20 per month, and .20 cents per transaction per store
Please note: The proposed financials indicate only one national retail grocery chain. As
we grow and increase merchant chains and retailers, these numbers will increase
significantly.

22
Personnel Plan
Personnel Table
FY2016 FY2017 FY2018 FY2019 FY2020
Chief Executive
Officer
$150,000
$180,000 $216,000 $259,200 $311,040
MVP-Executive
Vision Strategist
$120,000 $132,000 $145,200 $159,720 $175,692
Senior Executive
CC Processing
$57,600 $63,360 $69,696 $76,666 $84,332
IT Director $96,000 $105,600 $116,160 $127,776 $140,554
COO $125,000 $150,000 $180,000 $216,000 $259,200
CEO-Assistant $48,000 $52,800 $58,080 $63,888 $70,277
Executive Sales
Manager
$96,000
$105,600 $116,160 $127,776 $140,554
Sales Rep $24,000 $28,800 $34,560 $41,472 $49,766
Clerical Assistant $38,400 $42,240 $46,464 $51,110 $56,221
Office Assistant $28,800 $31,680 $34,848 $38,333 $42,166
Total $783,800 $892,080 $1,017,168 $1,161,941 $1,329,802

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About the Personnel Plan
Hire New Employees as needed
Budget
Budget Table
supplies
$20,000
FY2016 FY2017 FY2018 FY2019 FY2020
Operating
Expenses
Salary $783,800 $892,080 $1,017,168 $1,161,941 $1,329,802
Employee
Related $156,760
Expenses
$178,416 $203,434 $232,388 $265,960
Production PR
and Marketing
$250,000 $250,000 $250,000 $250,000 $250,000
Office Facility $60,000 $60,000 $60,000 $60,000 $60,000
Office Supplies $18,000 $18,000 $18,000 $18,000 $18,000
Insurance $2,400 $2,400 $2,400 $2,400 $2,400
Office setup
NCR Integration $110,000
Research and
Development
$186,000 $186,000 $186,000 $186,000 $186,000
Total Operating
Expenses
$1,586,960 $1,586,896 $1,737,002 $1,910,729 $2,112,162

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Revenue by Year

25
Financial Statements
Profit and Loss Statement
Profit and Loss Statement
supplies
$20,000
Interest Incurred
FY2016 FY2017 FY2018 FY2019 FY2020
Revenue $11,374,202 $7,984,320 $11,148,544 $15,733,453 $129,574,543
Direct Costs $313,296 $270,595 $292,388 $326,418 $1,450,645
Gross Margin $11,060,906 $7,713,725 $10,856,156 $15,407,035 $128,123,898
Gross Margin % 97% 97% 97% 98% 99%
Operating
Expenses
Salary $783,800 $892,080 $1,017,168 $1,161,941 $1,329,802
Employee
Related $156,760
Expenses
$178,416 $203,434 $232,388 $265,960
Production PR
and Marketing
$250,000 $250,000 $250,000 $250,000 $250,000
Office Facility $60,000 $60,000 $60,000 $60,000 $60,000
Office Supplies $18,000 $18,000 $18,000 $18,000 $18,000
Insurance $2,400 $2,400 $2,400 $2,400 $2,400
Office setup
NCR Integration $110,000
Research and
Development
$186,000 $186,000 $186,000 $186,000 $186,000
Total Operating
Expenses
$1,586,960
$1,586,896 $1,737,002 $1,910,729 $2,112,162
Operating
Income
$9,473,946 $6,126,829 $9,119,154 $13,496,306 $126,011,736

26
Depreciation and
Amortization
Income Taxes
Total Expenses
Net Profit
Net Profit /
Sales
Gross Margin by Year
$1,894,790 $1,225,366 $1,823,830 $2,699,261 $25,202,348
$3,795,046 $3,082,857 $3,853,220 $4,936,408 $28,765,155
$7,579,156 $4,901,463 $7,295,324 $10,797,045 $100,809,388
67% 61% 65% 69% 78%

27
Net Profit (or Loss) by Year

28
Balance Sheet
FY2016 FY2017 FY2018 FY2019 FY2020
Cash $9,473,950 $13,705,989 $21,599,775 $33,272,251 $156,584,726
Accounts
Receivable
$0 $0 $0 $0 $0
Inventory
Other Current
Assets
Total Current
Sales Taxes
Payable
Short-Term Debt
Prepaid Revenue
Total Current
$1,894,790 $1,225,366 $1,823,830 $2,699,261 $25,202,348
Assets
$9,473,950 $13,705,989 $21,599,775 $33,272,251 $156,584,726
Long-Term Assets
Accumulated
Depreciation
Total Long-Term
Assets
Total Assets $9,473,950 $13,705,989 $21,599,775 $33,272,251 $156,584,726
Accounts Payable $0 $0 $0 $0 $0
Income Taxes
Payable
$1,894,790 $1,225,366 $1,823,830 $2,699,261 $25,202,348
Liabilities
Long-Term Debt
Total Liabilities $1,894,790 $1,225,366 $1,823,830 $2,699,261 $25,202,348
Paid-in Capital
Retained Earnings $7,579,160 $12,480,623 $19,775,945 $30,572,990
Earnings $7,579,160 $4,901,463 $7,295,322 $10,797,045 $100,809,388

29
Total Owner's
Equity
$7,579,160 $12,480,623 $19,775,945 $30,572,990 $131,382,378
Total Liabilities
& Equity
$9,473,950 $13,705,989 $21,599,775 $33,272,251 $156,584,726

30
Cash Flow Statement
Cash Flow Statement
Net Cash Flow
from Operations
Net Profit
FY2016 FY2017 FY2018 FY2019 FY2020
Depreciation
and
Amortization
Change in
Accounts
Receivable
Change in
Inventory
Change in
Accounts
Payable
Change in
Income Tax
Payable
Change in Sales
Tax Payable
Change in
Prepaid
Revenue
Net Cash Flow
from Operations
Investing &
Financing
Assets
Purchased or
Sold
Investments
Received
Change in Long-
Term Debt
$7,579,156 $4,901,463 $7,295,324 $10,797,045 $100,809,388
$0 $0 $0 $0 $0
$0 $0 $0 $0 $0
$1,894,790 ($669,424) $598,464 $875,431 $22,503,087
$9,473,946 $4,232,039 $7,893,788 $11,672,476 $123,312,475

31
Change in
Short-Term
Debt
Dividends &
Distributions
Net Cash Flow
from Investing &
Financing
Cash at Beginning
of Period
$4 $9,473,950 $13,705,987 $21,599,775 $33,272,251
Net Change in Cash $9,473,946 $4,232,039 $7,893,788 $11,672,476 $123,312,475
Cash at End of
Period
$9,473,950 $13,705,989 $21,599,775 $33,272,251 $156,584,726
Cash Flow by Year

32
Net Profit by Year

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