Financial convenience delivered through an
automated network in select  locations.

The ACFN™ program invites qualified individuals to invest in and be part of a  specific niche providing customers with the convenience of performing financial transactions without leaving the Host business. As an ACFN™ franchisee you will enter the electronic financial services market with a unique and very profitable approach. You will be taught how to construct, own and operate a network of "On-Site ATMs" to be placed in travel and entertainment based businesses  creating a reoccurring monthly residual income.

The ACFN™ program operates its network of ATMs within the premises of  qualified businesses but retains full ownership and control of the equipment.  The Host facility is not charged any fees to incorporate our program  representing a significant departure from the practices of most other companies  in the industry. Most of the ACFN™ competitors earn their revenue by selling or leasing the equipment to Host facilities - we do not sell or lease the equipment  to the Host business! ACFN™ removes that obstacle for Host facilities by  providing services and equipment at no cost. The ACFN™ business model guarantees the Host a share of revenues generated as compensation for space utilized while  delivering the primary benefit of additional spending and increased profitability at no cost. This unique approach enables businesses to offer its  clientele the convenience of "On-Site ATM" services without the usual financial risk. From the point of view of the Host business owner or manager this is a low risk highly advantageous situation. As a franchisee, you will be shown how to construct and operate your own network of ATMs within Host businesses developing  a significant reoccurring monthly revenue stream.

As a part of the ACFN™ financial network, franchisees benefit from extensive site research, professional experienced advice on proper placement within the establishment to maximize transactions, central processing, industry specific  training, monitoring services, an ongoing revenue stream from each franchisee location and much more.

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Convenient "on-Site ATM" service for a fee

The ACFN™ business model appeals to the mobile segment of society and to the individual's sense of convenience. We work with businesses that cater to clientele who are most unlikely to have the time or inclination to seach for a bank when in need of cash. This type of clientele is usually glad to pay a fee for the convenience of On-Site services.

The ACFN™ program is designed to address the growing need for cash on-the-go. Our "on-Site ATM" services are very popular with hotels and other travel and entertainment based businesses. More that 25% of the qualified hotels in the state of California that offer ATM services on property have chosen the ACFN program. The ACFN™ network also includes theatres, convention centers, museums, transportation venues, sports bars, billiards clubs, nightclubs, breweries, and more. To view a detailed list of ACFN customers, please visit our corporate website at www.acfn.info.

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Part-time franchise for a full-time retirement

ACFN Franchisees can begin with different levels of time and financial investment. The ACFN business is one that can in most case be scaled and adjusted to fit a franchisee's specific situation. As your knowledge, experience and confidence grow you can increase both your time and financial investment for greater rewards.

As a start up business, ACFN originally operated only 1 full day and one afternoon each week. Additional time and resources were invested in direct proportion to the growth of our network and revenue stream. Within 3 years still investing only part time, ACFN became larger and more profitable than a business owned and operated previously by founder Jeffrey D. Kerr for 10 years. All resources were diverted to ACFN to increase the pace of development. Today ACFN is the largest provider of "On-Site ATM" services to qualified hotels in the state of California with a market share exceeding 25%. Our network also includes many other travel and entertainment based businesses within qualified parameters.

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Benefits of the ACFN "On-Site ATM" program

As an ACFN franchisee, the benefits you offer to Host sites are significant. When meeting with the owner of a prospective Host business to introduce the ACFN program you will be able to present the following benefits:

• Your franchise will place the equipment on site at no cost to the Host.
• Your franchise will perform all services and maintenance required.
• The ATM will be monitored 24/7 to preempt service problems and minimize down time.
• The ATM will be authorized with all major networks and able to process the vast majority of both debit and credit card transactions.
• Host businesses will get paid for every surcharge transaction performed at the ATM.
• Satisfaction is guaranteed to the Host business and the decision is easy. The ACFN "On-Site ATM" program is introduced with a 6-month trial period to simplify the decision and allow a fair and friendly entry to our program.
• As part of the ACFN group you will have experience, accomplishments and a referral list including many prominent businesses to help you inspire the confidence needed to successfully market your services.

To answer the question if you would be able to successfully market these services simply turn the tables:

As the manager of an upscale business you have considered installing an ATM for your guest's convenience, but the prospect of purchasing and then maintaining one has prevented you from taking action. You are contacted by an ACFN™ franchisee offering a "Turn key & Hassle free" program including a share of the fees and agree to an appointment. The presentation shows that incorporating the ACFN program will promote on property spending, increase profits and pay you a fee for every transaction performed without requiring any financial investment on your part. The program sounds good so you do your "due diligence" and find the company to be experienced, professional, highly recommended and customer friendly offering a no obligation 6-month trial period. Would your conclusion be that with the ACFN "On-Site ATM" program you have everything to gain and nothing to lose?
The answer invariably is "Yes!". Furthermore, your conclusion is that you have nothing to lose by adding the ACFN "On Site ATM" program except for the loss of goodwill and revenue from clients forced to go elsewhere for their financial transactions. You do however stand to gain considerably by increasing on property spending, profits and customer satisfaction.

We raise this point to illustrate that, as an ACFN™ franchisee, you offer a service and an opportunity to Host businesses that involves no cost and has no "down side" for them. As an ACFN franchisee you will also benefit from market research and marketing support helping you identify these qualified Host businesses within your geographic area of operation.

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Selective ATM placements

Even a professionally designed and supported ATM program such as the ACFN™ model requires a qualified level of traffic and a specific type of clientele for optimum return on investment. Our network was built on the premise that, if placed in the proper setting, we would be able to charge higher fees and thus the ATM would become a legitimate profit center independent of the business it was placed in.

The ACFN model retains ownership, assures clients that their financial center will be maintained and supported locally by operating as a "Turn key & Hassle free" out-sourced solution to their ATM need. When compared with competitor's programs that sell or lease the machines to businesses and then rely on Host participation and long-distance third party maintenance contracts ACFN is the clear choice for upscale businesses. As an ACFN™ franchisee you are there at the time of installation and from then on serving as their financial partner with a vested interest in their success.

The types of Host businesses* we target include:
· Hotels
· City properties
· Sports bars
· Nightclubs
· Billiard Clubs
· Restaurants and breweries
· Gas stations
· Theatres
· Supermarkets
· Office buildings