TechPay

1. TechPay The easy way to pay Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

2. Agenda Overview of TechPay Objectives The Market The Application Screenshots The Competition Long Term Summary Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

3. Overview of TechPay • The TechPaytechnology (patent pending) is a new and innovative mobile payment system using QR codes on the front-end and a seamless proven transaction server on the back-end. TechPay is a fully-integrated mobile payment system platform handling the entire transaction chain, from customer shopping through to settlement, to the merchant viewing the complete scan analytics, Banner advertising campaign, sales. Through our state of the art technology, we have created the easiest, secure, and most cost effective complete payment “system.” • We started TechPay LLC to cater to the needs of Grocery/ Warehouse Store Chains using SwiftPayTH Later eventually into all Retail businesses. Consumers will simply use their mobile device to shop and make payments without credit cards, checks, debit cards, rewards cards, or coupons to worry about. TechPay is making it a faster easier checkout experience! This system will benefit both the consumer and Merchant. • TechPay has partnered with POS expert Stella Nova Technologies to handle integrations. With 18+ Years experience in POS and retail integrations, Stella Nova makes the perfect partner for TechPay. • Stella Nova Technologies will be using the "Mobile by Stella" framework. In 2001, Stella Nova developed one of the first completely .NET point of sale frameworks. This framework is still in use today in over 2000 locations. "Mobile by Stella" will be incorporated into TechPay LLC SwiftPay TM first Mobile Payment system that will integrate using a FREE APP and retailer integration. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

4. Objectives – the application • The objectives of the application is to provide the following to the consumer and the merchant • Make the shopping experience easier and faster while remaining secure for consumer. • Combine the use and management of coupons, loyalty and payment information into a single application for the consumer • Capture shopping data for later analysis for the merchant • Merchants to Create Personalized Banner Campaigns to display on TechPay APP • Create a more full featured mobile wallet for consumer • TechPay will be adding a rewards program for TechPay users. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

5. Objectives – target market • The target market is any consumer with a smartphone or mobile device and any merchant that accepts coupons or loyalty cards or credit cards. Here is a snippet from an online article. • “Research and advisory firm Aite Group predicts the volume of all types of mobile payments will top $200 billion by 2015, up from $16 billion in 2010. • Of course, it's never that simple, and the road to widespread implementation is paved with serious hurdles. • Obstacles that remain to be overcome include concerns around electronic infrastructure, security, cyber crime and market fragmentation. Add to this privacy, trust, and persuading consumers to change the payment habits of a lifetime and you'll see there's a real minefield out there. And what about customer fear that their phone runs out of battery could also leave them moneyless?” • The TechPay solution addresses the concerns mentioned in the article. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

6. The Market - Analysis There is no shortage of information about the tremendous increases in mobile device usage. The numbers are staggering and indicate a real shift in consumer adoption. The shift is similar to how dotcom/ecommerce went from being something only select retailers supported to the norm. Today there is consumer expectation that a retailer has an ecommerce website. Mobile payments are in the infancy of this phase. TechPay is preparing to be the application of choice to help fuel this shift. • “According to Juniper Research, the number of people making purchases of physical goods with their devices will expand from 393 million this year to 580 million by end of 2014. • This projection of near 50% growth stems from consumer confidence personal devices as reliable payment shopping mechanisms. Windsor Holden writes in a report; “Mobile is not only another channel, but also the channel of the future.” • Juniper argues that mobile transactions involving physical goods will reach $730 billion by 2017. The annual rate of growth will be 23%, according to this projection.” Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

7. The Market - Opportunity • There is a convergence of technology and consumer readiness that is poised to drive tremendous change over the next several years with mobile payments. • In order for mobile payments to hit a tipping point, the consumer must demand its use or be forced into it by the retail community. In order to force the adoption, the retail community must be willing to make huge upfront investments in time and money; which they have not been willing to do. In order for the consumer to demand adoption, the process must be easier and more secure than the current process. • The TechPay system is just that; with the press of a button and a scan, all of your typical shopping collateral is securely transferred to the retailer at the point of purchase, and your transaction is complete. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

8. The Application • TechPay is a powerful platform that benefits both the merchant and the consumer. The key features of the system are the following • Merchant Portal – This is where the retailer can see in real-time consumer shopping data. Manage in-app banner campaign. Access Analytics. • Consumer Portal – This is where the consumer can store and manage credit cards, loyalty cards and coupons. See and manage saved baskets and see completed baskets. • Mobile application – The mobile application allows the consumer to create baskets for purchase at the retailer by scanning items. Purchase a basket created on the consumers device by generating a QR code with all information. Purchase a basket created by the merchants traditional POS using the “Pay Now” button . Manage and use coupons that where scanned in at home and automatically applied to items put in basket, login first with loyalty card, while shopping this will allow shoppers to see real time costs with loyalty discounts applied. Including all stored payments all in APP . Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

9. The Application - Setup • Creating and managing your mobile wallet • Sign upat techpay.mobi and download the TechPay mobile application . • Can also be downloaded from APP store or Google play, and sign up on APP. Scan manufactures coupons - Eliminating having to cut and carry coupons into the store. • Scan or enter loyalty or membership card information - keeps your keychain tag free. Store payment information – keeps your data secure from loss or theft. Create and store your shopping list – items will be removed from the list as you shop. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

10. The Application - Shopping • The shopping experience • See weekly ads for your favorite stores and other online promotions. • Login with your loyalty card when entering retailer to show live real time discounts as you shop! • Open your shopping list and begin scanning your items. • This will check them off your list as you place them in your cart.  • As the customer scans each item they can see detailed information about each item, it also adds it to your Virtual Cart, and you can see your total including loyalty discounts before you even get to the checkout line.  • You may receive push notification based on your location on special offers you can use. • Upon arrival at the checkout line, you can approach the cashier (checkout?) with ease knowing you will not have to fumble through a hundred different coupons! • Choose from one of your payment methods and a real-time QR code is generated. • With one simple scan, the entire check out process is complete! • Your coupon discounts, your loyalty rewards AND your payment info- all housed and completed in a matter of seconds- one swift scan and you get approval. An email confirmation sent and basket saved to our APP and website. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

11. The Application – Pay Now • Payment Only • For the same reason some consumers do not use the self checkout lane in a store and for the same reason some retailers do not have self-check out lanes, there will be some consumers and retailers that will not want or allow the consumer to create their own shopping cart. For those situations, we have the Pay Only feature. This feature provides all the same benefits of the consumer self scanning process without the consumer having to scan any items. • You may receive push notifications based on your location on special offers you can use. • Upon arrival at the checkout line, you can approach the cashier (checkout?) with ease knowing you will not have to fumble through a hundred different coupons! • Choose from one of your payment methods and a real-time QR code is generated. • With one simple scan, the entire check out process is complete! • Your coupon discounts, your loyalty rewards and your payment info- all housed and completed in a matter of seconds- one swift scan and you get approval. • Scan and go- This feature will be available so a customer can scan a few items pay on their phone and leave without having to see a register. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

12. The Application – Merchant Portal • The Merchant • Analytics – TechPay will collect analytics about the consumers shopping experience and use of the TechPay app. The information will be available to the retailer via the TechPay merchant portal. The retailer can now analyze data in real time, seeing when and where an item is being scanned by logging into the portal. • Banner Campaigns – Through the merchant portal, the retailer will have the ability to setup and manage banner ads that will display within the TechPay application. The retailer will have control over the in-app advertising. • Pay Now – If the retailer does not allow the consumer to scan their own items or if the consumer prefers not to scan their own items, the consumer and retailer can make use of the “pay only” feature. The pay only feature allows the retailer to scan a QR code at checkout to obtain access to the consumers coupons and loyalty information and process the payment. • TechPaywill make money on each customer’s checkout. As a proposed direct processor, we foresee making a percentage on each transaction. Also on Banner advertising accessible in the merchant portal. • The average grocery store make about 2 Million per month, TechPay making a percentage would earn TechPay a substantial monthly income per store. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

13. The Application – the technology • Private secure cloud. • Built on top of a full featured SOA based point of sale system used by fortune 50 retailers. • This allows the retailer the additional option of adding associate facing mobile to their existing POS or replacing their existing POS for any even more integrated/seamless solution. • Api layer for ease of retailer integration. • All sensitive data is stored in the cloud. No sensitive data enters the retailers environment. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

14. Retail Corporate The Application - System Mobile App Server(s) Retailer Server(s) MRF Consumer Mobile Clients 3G/4G/Wi-Fi Retail Store TechPaySecure Cloud Mobile App Server(s) Retailer Server(s) MRF IP Devices Associate Mobile Clients 3G/4G/Wi-Fi 3G/4G/Wi-Fi Wi-Fi Consumer Mobile Clients Associate Mobile Clients Registers Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

15. Screenshots – TechPay Website This is the TechPay website. Click on the top right to eitherSign upor to login Depending on your login credentials, you will be taken to the consumer or the merchant portal. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

16. Screenshots – Website Login This is the login page. Depending on your login credentials, you will be taken to the consumer or the merchant portal. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

17. Screenshots - Consumer Portal-Register This is the consumer registration page. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

18. Screenshots – Consumer Portal This is the consumer portal after signing in. The consumer has the option to view baskets, basket details and manage payment methods and loyalty cards Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

19. Screenshots - Consumer Portal-Add Payments This is a screen from the consumer portal that allows the consumer to add payment methods to their mobile wallet. The consumer is allowed to add multiple credit cards and provide names to distinguish between them. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

20. Screenshots - Consumer Portal- Loyalty Similar to credit cards, the consumer is allow to store loyalty cards in their wallet. The cards will be stored in the mobile application with a generated barcode. In the application the consumer can add a loyalty card to a basket to be processed along with the items. Or the consumer can also choose to simply display the barcode for a loyalty card and allow the cashier to scan it. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

21. Website – Merchant Portal This is the first page after signing into the merchant portal. The merchant is allowed to view baskets for all customers. The merchant is also allowed to view analytics and manage banner campaigns. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

22. Screenshots - Mobile This is the user login screen. The user has the option via settings to auto login when the application is started. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

23. Home Menu Shopping List - Electronic Shopping list Item Scan – Scan items into cart or shopping list. Browse Store - Allows the consumer to select or search from a list of the retailers most common items. Coupons - This is where the coupons are stored. Promotions - This is where push promotions are displayed Shopping Cart - Contains the items in the cart Loyalty Cards - The is where loyalty cards are stored Pay Now - The allows the consumer to purchase without scanning items. Store Locator – Find the closest store Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

24. Simple Sale – Item & Coupon Scan Items, Coupons and Loyalty cards can be scanned into the application Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

25. Simple Sale – Browse & Search Menu This contains a list of the retailers most popular items, by category. The consumer can browse or search through the items and select to add them to the cart, the list or read details. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

26. Simple Sale - Shopping Cart This shows the shopping cart containing one item along with suggested items Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

27. Simple Sale - Payment selection This shows the payment selections. The selections that display or the payment options the consumer setup on the website. If the consumer wish to add an additional payment, they my do so on the mobile device as well by selecting the “+” option. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

28. Simple Sale - Consumer validation After selecting the payment, the consumer is asked to enter their PIN in order to verify they are allow to use the application for purchases. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

29. Simple Sale - Payment barcode After the consumer is validated, a QR code is generated. The QR code contains information that allow the retailers POS system to access TechPay and process payment. In addition to the items, the retailer will receive all coupons and loyalty information the consumer added to the cart. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

30. Simple Sale - Transaction Complete After the retailer scans the QR code the transaction is complete. The consumer can view their receipt and has the option to have it emailed. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

31. Promotions Push promotions are managed from a single screen. Featured, Daily and Weekly promotion are updated to the application. Items will show for purchase related to items in cart. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

32. Loyalty Cards All loyalty cards are managed from one screen. Consumer can login with their loyalty card to show real time discounts while shopping. The consumer can either select the appropriate card and display the generated barcode to the cashier for scanning. Or the consumer can directly add the loyalty card to the basket. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

33. Coupons Coupons are all managed from a single screen. The consumer can store coupons ahead of time in the TechPay coupon wallet. Coupons will be automatically applied based on items in the basket. While shopping or checking out, the consumer can add any push appropriate coupons to the basket. If there is not item in the basket that matches the coupon, a message will display letting the consumer know the coupon can not be applied. In this example, the coupon is valid. Coupon wallet will also notify you when a coupon is used and expired Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

34. Pay Now – Payment Selection. Also Pay, Scan & Go For the Pay Only flow, the consumer would select “Pay Now” from the Home menu. This option lets the cashier scan items and lets consumer use the TechPay APP to “ Pay Now” The Payment Selection screen would display next where the consumer would select from one of the previously stored payment methods. Pay, Scan & go can be used to buy just a few items, Scan, Pay and go no register to scan. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

35. Pay Now – Consumer Validation Once a payment method is selected, the consumer is prompted to enter their PIN to verify they have authority to use the application for payments Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

36. Pay Now – Transaction Complete Once the PIN is verified, a QR code is created so the cashier can scan and receive payment. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

37. The Competition • Below is a list of competitors that focus on a subset of the TechPay feature set. • Coupons: Zavers, RetailMeNot, The Coupons App • Loyalty: Shopkick, Foursquare, CardStar, KeyRing • Payments: Paypal, Square, Kuapay, Google Wallet, ISIS Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

38. Long Term • As TechPay grows, other markets can be available to setup specific mobile systems based on the business needs such as: • PetPay- for Pet stores • Fill-N-Pay - for Gas stations • Park-n-Pay- for Meter Parking. • Drive-N-Pay - for Fast Food Drive Thru • Eat-N-Pay - for Dine-In and Fast Food • Dine-N-Pay - for Restaurants • We expect growth into all business and smaller markets and creating different specific systems. TechPay ‘s own user Rewards program linked to many Major brands Confidential. TechPay LLC. and Stella Nova Technologies, Inc.

39. Summary • TechPay is a pioneering Mobile technology firm that invented a revolutionizing platform for Merchants and consumers to generate and analyze powerful rich customer data available to the merchant; while adopting a more targeted and personalized approach to their client needs and creating a fast easy and rewarding mobile shopping experience for their clients. TechPay will continue to expand into new markets and business using and inventing new innovative mobile payment systems. • TechPay will build partnerships and collaborations with branded companies to offer special promotions and rewards. Confidential. TechPay LLC. and Stella Nova Technologies, Inc.