Navigating Cash Payment Solutions Using Automation

1. Navigating Cash Payment Solutions Using Automation Carolina Cash Adventure

3. Cash is still king. 50B Dollars lost due to shrinkage in 2016 – National Retail Security Survey in 2017 Notes in circulationdoubling between 1996 and 2016 30% Of all transactions,the most frequentlyused method 25% Use of cash across all households and goes up among lower income brackets 40B

6. 30% 30 percent of U.S. households are unbanked or underbanked CNBC Article Industry Trends • Standardizing Procedures • Scale for Growth • Investments in security • FI Consolidation • Data Driving Everything • Investments in Automation • Competition for Employees The need for a different approach to cash management Macroeconomic Factors • Rising Interest Rates • Tax Reform • Historically Tight Labor Market • Expansion • Low Unemployment • Rising Wages/Labor Laws

7. Branch Vault Deposit Smart safes Recyclers Virtual Depository BDEX CPS Emerging Solutions Established Industry Standards E-mail Change Orders Change orders by mail VRU Change Orders Smart safes CPS Established Industry Standards Emerging Solutions

8. Emerging solutions overview

9. Cash & coin recyclers Recyclers are designed to automate the entire cash handling process and automate the back office cash office. • Features & Benefits: • Under the counter to very large currency and coin counting deposit & recycler devices. • High speed acceptance and dispense capabilities. • Back office cash management hours are significantly reduced or eliminated • Fewer pickups by CIT services are needed • Less cash on hand is required

10. Smart safes There are over 80,000 smart safes with provisional credit in the United States. Smart safes bring valueby reducing in store cash handling, reducingrisk to employees, and by providing faster access to cash deposits. • Types of businesses that • benefit include: • QSR, LSR, Fast Casual • Convenience store & gas stations • Retailers with less than 10 registers • Healthcare • Higher education

11. Mail in deposits and change orders • Features and benefits: • USPS or UPS for transportation • Minimum of 2 shipments per month • Liability limited to $5K per shipment • Available wherever service is available • Ideal for remote locations • Order change for return shipments A web-based depositing module that’s available to create, track, manage and analyze deposit activities at the location level

12. Managed, non-managed, bundled, or unbundled?Making sense of it all. • Do you need: • Supplier who can manage all of the elements of the program in one place • Provide project management and training resources • Data to help make business decisions • Do you have: • People who can source the pieces separately and evaluate the best overall cost and solution • Time to manage multiple suppliers and processes • Ability to centralize the data into a usable format Cross functional team including Treasury, Operations, Loss Prevention, and IT. Key Element

13. What should I think about… Financial Operational Loss Prevention Faster credit, cashiering fees, reconcilement Shortages, safety Labor hours, procedures, technology How will faster access to cash deposits help us? Do we want to consolidate our bank group? Can we benefit from reconciling our cash daily? What type of deposit tracking do we have and need? What are cash deposits and change orders costing us? How much time do we spend counting cash and making deposits? Are our processes consistent store to store? How are we training employees to count cash and make deposits? How do we hold our employees accountable for cash handling? What is our cash shrink percentage? What is the turnover for positions responsible for cash management? What information do we use to perform investigations into losses? How do we secure our in store cash funds and deposits today?

14. How does cash automation benefit your business? Value Drivers that affect ROI Redirect time to sales activityWorking capital benefit Reinvestment of revenue Labor Armor car Change orders Insurance Turnover Mileage Bank fees Training Shortages Robberies Revenues Total Expenses Return on Investment Cash automation Smart safe technology Remote user managementDevice management POS integration IT development Change order visibility Recycling technology Deposit tracking Managed services Armored cash-in-transit Change orders by mail API Services

15. Example Cost Benefit Analysis

16. Thank you.