This website has been prepared solely for informational and discussion purposes, for private circulation, and is not an offer or solicitation to buy or sell any financial product or to participate in any particular strategy. SMART PAY KIOSK (“SPK”) may have long or short positions in any currency, derivative or instrument discussed herein. SPK has included data in this presentation from information generally available to the public from sources believed to be reliable. Any price or other data used for illustrative purposes may not reflect actual current conditions. No representations or warranties are made, and SPK assumes no liability, as to the accuracy or completeness of any data. Price and other data are subject to change at any time without notice.

Forward-looking Information: Safe Harbor

This presentation includes forward-looking statements covered by the Private Securities Litigation Reform Act of 1995. Because such statements deal with future events, they are subject to various risks and uncertainties and actual results for fiscal year 2015 and beyond could differ materially from SPK’s current expectations. Forward- looking statements are identified by words such as “anticipates,” “projects,” “expects,” “plans,” “intends,” “believes,” “estimates,” “targets,” and other similar expressions that indicate trends and future events.

Factors that could cause SPK’s results to differ materially from those expressed in forward-looking statements include, without limitation, variation in demand and acceptance of SPK’s products and services, the frequency, magnitude and timing of paper and other raw-material-price changes, general business and economic conditions beyond SPK’s control, timing of the completion and integration of acquisitions, the consequences of competitive factors in the marketplace including the ability to attract and retain customers, results of continuous improvement and other cost-containment strategies, and SPK’s success in attracting and retaining key personnel. SPK undertakes no obligation to revise or update forward-looking statements as a result of new information, since these statements may no longer be accurate or timely.