TechPay Executive Summary 10 27-2015

CONFIDENTIAL
TechPay “The easy way to pay”™
Executive Summary
Prepared October 2015
Contact Information
Ross Markbreiter
rossm@techpay.mobi
855-483-2472
http://www.techpay.mobi
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. Page 1

Table of Contents
Introduction
Who We Are 3
What We Sell 3
Company History 4
Market
Market Overview 4
Marketing Plan 6
Future 7
Generation of Revenue 7
Management Team 8
Select Financial Data 12

Introduction
Who We Are
TechPay Mobile Payment Systems™, headquartered in Dana Point, California, is a software
development company.
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 newspapers, magazines or mailers. Once logged in with
a vendors 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 is complete.
Our primary customers are retail businesses that accept credit cards and/or debit cards; 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 same time!
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 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 software based.

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.
Market Overview
The “Mobile Space” is a surging enterprise, and experts anticipate within the next five years,
most retailers will transition to mobile payment systems.
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 the U.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 mainstream adoption —
satisfying financial institutions, merchants, consumers and device vendors — have been
sufficiently addressed”, the authors conclude.
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 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 mobile phone 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 revealed 75 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. The numbers are
rising. 16 % of businesses will add MPOS in the next year. Mpos will replace existing POS
systems.
Competitors
TechPay Mobile Payments Systems™ is the only offering of its kind, and has determined there
are currently three mobile payment companies considered competitors:
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 small business and do
fewer transactions at a time. Square is a way to pay and B2C.
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.

Marketing Plan
As mentioned previously, Kathy Ireland has been named TechPay’s™ Brand Ambassador. Our
marketing and advertising campaigns will include Kathy on various 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 and contacts of stores
who use the system. This would be certified and free to retailers.
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.
Positioning
As a provider to retail stores and consumers, TechPay Mobile Payment Systems ™ will position
itself as The Leading Mobile Payment System for Grocery and Retail stores.
Pricing
Price will vary for each retailer based on the number of stores, POS system in place, and
capabilities of retailers’ current platform. The APP is free for the consumer.
Promotion
With Kathy Ireland as Brand Ambassador, Ms. Ireland will be part of the marketing and
promotions of TechPay Mobile Payment Systems™ and SwiftPay™, which will include but is
not limited to: television; advertising in retailer stores; social media (e.g. Facebook; Twitter);
retailer co-marketing; in-store advertising; partnerships with credit card processors; press
releases; eMagazines; Tradeshows, and Trade magazines.

Joint marketing and awareness campaigns will also be put in place with partner, WorldPay,
including joint marketing materials and press releases.
Distribution
TechPay™ will partner with small to large retailers to license SwiftPay™ product. Distribution
will be based on the number of locations per retailer/license.
The Future
TechPay™ intends to leverage the SwiftPay™ platform to create additional Mobile Payment
Systems for various retail businesses including the following:
Gas stations
Retail department stores
Pet stores
Fast food drive thrus
Dine in restaurants
Parking meter payments
Convenience stores
Generation of Revenue
The following is based on a scenario, for which TechPay™ has been in discussions with, a mid
to high end grocery store, with an approximate revenue of $2 million per month.
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. Revenue is estimated to
be approximately $10,000 per grocery store per month.
Additional revenue will be generated by charging license, maintenance and integration fees to
the merchants.
Revenue will also be generated by running banner ads on the consumer app, targeting vendors
such as Proctor and Gamble™, and Kellogg™, etc., to have exclusive advertising on the APP.
This can create an additional estimated revenue of $10,000 per store per month.
We will integrate into each retailer system separately, and because each is unique, the cost will
vary.
As stated earlier, the Application is free for the consumer.

Management Team
Ross Markbreiter Founder - Inventor - Chief Executive Officer
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 mid 1990’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 Mobile Payment 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!
Michele Burke, Chief Operating Officer
Michele Burke brings more than 25 years’ experience in the areas of management, 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.
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 and well-known artists. He
also recorded with Motown Records, and Warner Brothers Records and, at Gold Star Studios
with members of Phil Spector’s “Wrecking Crew”.
He then joined the multi-platinum and six-Grammy award-winning musical 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 marketing firm.

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.
Ron Feuer, Chief Strategy Officer
Ron Feuer began his career as the keyboard player for the Grammy award winning group “The
5th Dimension”, and later became the Musical Director.
He went on to tour and perform with many distinguished artists such as Peter Frampton, The
Dixie Chicks, The Temptations, Natalie Cole, Poison, Dave Koz and 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” & ”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 Executive Produced, 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 a few.
Robinson and Feuer bring more than 30 years of combined experience in the music and
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.

Nancy Kelly - Senior Executive Member, Card Processing
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 experienced individuals 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. - Executive PR
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.

SWIFTPAY™ MOBILE APP

SwiftPay™ Features:
Shopping list. Consumer can scan in the item and item will be added to the shopping list.
When shopping and the item is placed in the cart, the item will be removed from the
shopping list.
Scan items. While at the retailer, consumer is able to see price and information on product.
Consumer is able to scan item and place in shopping cart to purchase.
Browse store for items, see all items in store by category.
Scan coupons. Consumer is able to get coupons from newspaper or magazines or retail
scanning the barcode. Coupon will show notifications on expiration and when a product is
put in the shopping cart, the coupon will be automatically recognized and put into shopping
cart and deducted from the total amount in cart, then deleted from coupon button.
Promotions. This will show any specials being offered by the retailer, also push notifications
based on store.
Shopping cart. The shopping cart shows all sales records to be seen by consumer and
merchant.
Loyalty cards. Once in a store, loyalty card discount will be displayed while shopping.
Different loyalty cards can be added. Loyalty discount will show in shopping cart and with
final purchase.
Consumer login portal. This login provides the consumer profile. Credit cards, checking
account, debit card, to be selected when checking out. Also able to add loyalty cards and see
the same sales as on the SwiftPay™ APP.
Pay now. This button is used if the consumer wants to have the cashier scan items, but still
use SwiftPay™ to pay using QR code process for the transaction. When the process is
complete, an email will be sent showing the transaction with a transaction ID. Also will be
saved in the shopping cart button and a print receipt option will be available.
Check out by generating QR code. All items in cart, credit card information, loyalty card
information and coupons added up/deducted at this time.
Store locator. Ability to choose store location, as well as what store you are in once you log
in.

COMPETITOR COMPARISON CHART

FEATURES TechPay ApplePay GooglePay Square LevelUp VONS Ralph's
B2B X X X
B2C X X X X X X X
Shopping List X X X
Scan Coupons X
Promotions X X X
Weekly Ads X
Shopping Cart X
Loyalty Cards X X
Consumer Login Portal to
show consumer profile.
Credit cards, checking
account, debit card, to be
chosen when checking out
which to use. Able to add
loyalty cards and see sales.
X
Pay Now X X
Check out by
generating QR Code
that has the items in
cart, credit card
information, loyalty card
information and coupons
deducted.
X X
Pharmacy Ordering X
Online Ordering
Delivery
Pay at Cashier X X
Merchant Portal Login X X X
Email and Print Receipt
Saves sales to consumer
profile in shopping cart
button
X
Store Locator X X X
Online Coupons X X
FREE X X X X X X X

Monthly 2016 2017 2018 2019 2020
Kroger Grocery Stores 2,640.00 2,640.00 3,168.00 3,801.60 4,561.92 5,474.30
Family of four spends 880.00 10,560.00 12,672.00 15,206.40 18,247.68 21,897.22
One hundred thousand users 88,000,000.00 88,000,000.00 105,600,000.00 126,720,000.00 152,064,000.00 182,476,800.00
- - - - -
.005 fee on each transaction 440,000.00 5,280,000.00 6,336,000.00 7,603,200.00 9,123,840.00 10,948,608.00
License Fees 1500 per store 330,000.00 3,960,000.00 4,752,000.00 5,702,400.00 6,842,880.00 8,211,456.00
Authorize.net $20 per month per store 52,800.00 633,600.00 760,320.00 912,384.00 1,094,860.80 1,313,832.96
.20cents per transaction 100k 4 transactions per month 80,000.00 960,000.00 1,152,000.00 1,382,400.00 1,658,880.00 1,990,656.00
Banner Advertising $3k per week 12,000.00 144,000.00 172,800.00 207,360.00 248,832.00 298,598.40
Total 914,800.00 10,977,600.00 13,173,120.00 15,807,744.00 18,969,292.80 22,763,151.36
2016 - 1 Grocery Chain 2016 2017 2018 2019 2020
Revenues 914,800.00 10,977,600.00 13,173,120.00 15,807,744.00 18,969,292.80 22,763,151.36
COGS
KiWW 2% Net Sales 18,296.00 219,552.00 263,462.40 316,154.88 379,385.86 455,263.03
KIWW 2% Gross Sales 18,296.00 219,552.00 263,462.40 316,154.88 379,385.86 455,263.03
KIWW Brand Participation 2% Net Sales 18,296.00 219,552.00 263,462.40 316,154.88 379,385.86 455,263.03
Direct Costs 40% 365,920.00 4,391,040.00 5,269,248.00 6,323,097.60 7,587,717.12 9,105,260.54
Gross Margin 512,288.00 6,147,456.00 7,376,947.20 8,852,336.64 10,622,803.97 12,747,364.76
0.56 0.56 0.56 0.56 0.56 0.56
Expenses
General & Administrative Expenses
Rent 2,500.00 30,000.00 36,000.00 43,200.00 51,840.00 62,208.00
Utilities 300.00 3,600.00 4,320.00 5,184.00 6,220.80 7,464.96
Internet 150.00 1,800.00 2,160.00 2,592.00 3,110.40 3,732.48
Telephone & cell phone 350.00 4,200.00 5,040.00 6,048.00 7,257.60 8,709.12
Office Supplies 200.00 2,400.00 2,880.00 3,456.00 4,147.20 4,976.64
Office setup 5,000.00 60,000.00 72,000.00 86,400.00 103,680.00 124,416.00
CEO Salary 10,000.00 120,000.00 144,000.00 172,800.00 207,360.00 248,832.00
Executive Support Salaries 10,000.00 120,000.00 144,000.00 172,800.00 207,360.00 248,832.00
Accounting Staff Salaries 10,000.00 120,000.00 144,000.00 172,800.00 207,360.00 248,832.00
Employer Taxes 3,000.00 36,000.00 43,200.00 51,840.00 62,208.00 74,649.60
Accounting software and payroll fees 100.00 1,200.00 1,440.00 1,728.00 2,073.60 2,488.32
Legal & Professional Services 500.00 6,000.00 7,200.00 8,640.00 10,368.00 12,441.60
Contract Labor 500.00 6,000.00 7,200.00 8,640.00 10,368.00 12,441.60
Postage & Freight 75.00 900.00 1,080.00 1,296.00 1,555.20 1,866.24
Insurance - - - - -
Business 100.00 1,200.00 1,440.00 1,728.00 2,073.60 2,488.32
Health 1,800.00 21,600.00 25,920.00 31,104.00 37,324.80 44,789.76
Workman's comp 200.00 2,400.00 2,880.00 3,456.00 4,147.20 4,976.64
interest expense 100.00 1,200.00 1,440.00 1,728.00 2,073.60 2,488.32
Repairs & maintenance 50.00 600.00 720.00 864.00 1,036.80 1,244.16
License & Fees 100.00 1,200.00 1,440.00 1,728.00 2,073.60 2,488.32
State and Local Taxes 100.00 1,200.00 1,440.00 1,728.00 2,073.60 2,488.32
Depreciation expense 500.00 6,000.00 7,200.00 8,640.00 10,368.00 12,441.60
R&D 15,500.00 186,000.00 223,200.00 267,840.00 321,408.00 385,689.60
Pension and Profit Sharing Plan 50,000.00 600,000.00 720,000.00 864,000.00 1,036,800.00 1,244,160.00
Total General and Administration Costs 111,125.00 1,333,500.00 1,600,200.00 1,920,240.00 2,304,288.00 2,765,145.60
Sales & Marketing Expenses
Brand Manager 10,000.00 120,000.00 144,000.00 172,800.00 207,360.00 248,832.00
Sales Salaries 4 people 24,000.00 288,000.00 345,600.00 414,720.00 497,664.00 597,196.80
Bonuses 3,400.00 40,800.00 48,960.00 58,752.00 70,502.40 84,602.88
Employer Taxes 3,400.00 40,800.00 48,960.00 58,752.00 70,502.40 84,602.88
Health Insurance - Sales & Marketing 3,000.00 36,000.00 43,200.00 51,840.00 62,208.00 74,649.60
Advertising 50,000.00 600,000.00 720,000.00 864,000.00 1,036,800.00 1,244,160.00
Marketing 10,000.00 120,000.00 144,000.00 172,800.00 207,360.00 248,832.00
Printing and Reproduction 2,000.00 24,000.00 28,800.00 34,560.00 41,472.00 49,766.40
Trade Shows 2,000.00 24,000.00 28,800.00 34,560.00 41,472.00 49,766.40
First Class Travel Expenses Kathy and companions 2,000.00 24,000.00 28,800.00 34,560.00 41,472.00 49,766.40
2 Media/Still Photo Sessions with Kathy 1st class 2,000.00 24,000.00 28,800.00 34,560.00 41,472.00 49,766.40
- - - - -
Conference Fees 1,000.00 12,000.00 14,400.00 17,280.00 20,736.00 24,883.20
Travel 5,000.00 60,000.00 72,000.00 86,400.00 103,680.00 124,416.00
Meals & Entertainment 2,500.00 30,000.00 36,000.00 43,200.00 51,840.00 62,208.00
Total Sales and Marketing Costs 120,300.00 1,443,600.00 1,732,320.00 2,078,784.00 2,494,540.80 2,993,448.96
Operating Expenses
IT Salaries 25,000.00 300,000.00 360,000.00 432,000.00 518,400.00 622,080.00
Employer Taxes 2,000.00 24,000.00 28,800.00 34,560.00 41,472.00 49,766.40
Health Insurance IT 1,800.00 21,600.00 25,920.00 31,104.00 37,324.80 44,789.76
NCR Integration 9,166.67 110,000.00 132,000.00 158,400.00 190,080.00 228,096.00
Computers & Servers 500.00 6,000.00 7,200.00 8,640.00 10,368.00 12,441.60
Total Operating Expenses 38,466.67 461,600.00 553,920.00 664,704.00 797,644.80 957,173.76
Total Expenses 269,891.67 3,238,700.00 3,886,440.00 4,663,728.00 5,596,473.60 6,715,768.32
Income before taxes 242,396.33 2,908,756.00 3,490,507.20 4,188,608.64 5,026,330.37 6,031,596.44
Percentage 0.26 0.26 0.26 0.26 0.26 0.26
Less Taxes at 32% 77,566.83 930,801.92 1,116,962.30 1,340,354.76 1,608,425.72 1,930,110.86
Net Income 164,829.51 1,977,954.08 2,373,544.90 2,848,253.88 3,417,904.65 4,101,485.58
Techpay P&Lbased on 1 chain store with 20%annual growth

Contact Information
Ross Markbreiter
rossm@techpay.mobi
855-483-2472
http://www.techpay.mobi

TechPay Executive Summary 10 27-2015

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TechPay Executive Summary 10 27-2015