Cardtronics plc

William Blair Growth

Stock Conference

June 15, 2017

 Forward-Looking Statements
Certain statements and information in this presentation contain forward-looking statements within the meaning the Private Securities Litigation Reform Act of 1995, and are intended to be covered by the
safe harbor provisions thereof. These forward-looking statements are based on managements current expectations and beliefs concerning future developments and their potential effect on the Company.
While management believes that these forward-looking statements are reasonable as and when made, there can be no assurance that future developments affecting the Company will be those that are
anticipated. All comments concerning the Companys expectations for future revenues and operating results are based on its estimates for its existing operations and do not include the potential impact of
any future acquisitions. The Companys forward-looking statements involve significant risks and uncertainties (some of which are beyond its control) and assumptions that could cause actual results to differ
materially from its historical experience and present expectations or projections. Known material factors that could cause actual results to differ materially from those in the forward-looking statements
include:

the Companys financial outlook and the financial outlook of the automated teller machines and multi-function financial services kiosks (collectively, ATMs) industry and the continued usage of
cash by consumers at rates near historical patterns;
the Companys ability to respond to recent and future network and regulatory changes, including requirements surrounding Europay, MasterCard, and Visa (EMV) security standards;
the Companys ability to renew its existing customer relationships on comparable economic terms and add new customers;
the Companys ability to pursue, complete, and successfully integrate acquisitions, including the integration of DirectCash Payments Inc.;
changes in interest rates and foreign currency rates;
the Companys ability to successfully manage its existing international operations and to continue to expand internationally;
the Companys ability to manage concentration risks with key customers, vendors, and service providers;
the Companys ability to prevent thefts of cash;
the Companys ability to manage cybersecurity risks and prevent data breaches;
the Companys ability to respond to potential reductions in the amount of net interchange fees that it receives from global and regional debit networks for transactions conducted on its ATMs due to
pricing changes implemented by those networks as well as changes in how issuers route their ATM transactions over those networks;
the Companys ability to provide new ATM solutions to retailers and financial institutions including placing additional banks brands on ATMs currently deployed;
the Companys ATM vault cash rental needs, including potential liquidity issues with its vault cash providers and its ability to continue to secure vault cash rental agreements in the future;
the Companys ability to manage the risks associated with its third-party service providers failing to perform their contractual obligations;
the Companys ability to successfully implement and evolve its corporate strategy;
the Companys ability to compete successfully with new and existing competitors;
the Companys ability to meet the service levels required by its service level agreements with its customers;
the additional risks the Company is exposed to in its United Kingdom (U.K.) armored transport business;
the impact of changes in laws, including tax laws, that could reduce or eliminate the benefits expected to be achieved from the Companys recent change of its parent company from the United
States to the U.K.;
the impact of, or uncertainty related to, the U.K.s planned exit from the European Union, including any material adverse effect on the tax, tax treaty, currency, operational, legal, and regulatory
regime and macro-economic environment to which it will be subject to as a U.K. company; and
the Companys ability to retain its key employees and maintain good relations with its employees.

Additional information regarding known material factors that could cause the Company's actual results to differ from its projected results are described in its filings with the Securities and Exchange
Commission, including its Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K. You should not read forward-looking statements as a guarantee of future
performance or results. They will not necessarily be accurate indications of the times at or by which such performance or results will be achieved. Forward-looking statements speak only as of the date the
statements are made and are based on information available at the time those statements are made and/or management's good faith belief as of that time with respect to future events. The Company
undertakes no obligation to publicly update or revise any forward-looking statements after the date they are made, whether as a result of new information, future events, or otherwise.

In addition, todays presentation includes certain non-GAAP financial measures as defined under SEC Regulation G. Our opinion regarding the usefulness of such measures together with a reconciliation of
those measures to the most directly comparable U.S. GAAP measures have been included in the appendix to the presentation.

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One of a Kind Company. Long Growth Runway.

Global ranking
3-Year Global ATM Cardtronics
on number of
deployed
Revenue market growth
CAGR (2) growth(3) vs. market
ATMs (1)

4% Units ~3X
#1 13%
5% Txn Vol
Faster

1. Source: 2016 RBR.

2. FY 2013-2016.
3. Source: 2016 RBR; stats cited for 2016-2021 CAGR worldwide.
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Long History of Consistent Growth

North America Headquarters Houston, TX

Equity Market Capitalization $1.5 billion

2017E Revenue(1) $1.5 billion

Track Record of Consistent Revenue Growth

1600

1400 1475

1200 1265
1200
Revenue (in millions)

1000 1055

800 876
780

600
625
532
493 493
400
378

200

0
(1)
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017E

1. Midpoint of company guidance for full year 2017.

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T H E C A R D T R O N I C S S TO RY
One of a Kind Company. Long Growth Runway.

The Positioning

The Performance

5
 AT A G L A N C E
Leading Non-Bank ATM Network in World
~233,000 ATMs owned or managed
with >2B transactions annually

~86,000 ATMs ~147,000 ATMs

South Africa
Germany, 3%
Poland, 3% Other
4% Canada
Top US retailers (1) 8 of 10
Mexico, 7% Canada 2%
Spain

10%
Australia,
New
Zealand
FI relationships >2,300
UK/Ireland
25%

US Cards enabled on Allpoint

94%
surcharge-free network >60 mm

US
52%

2016 revenues $1.265B

Company-Owned Merchant-Owned / Managed

Services
1. Based on National Retail Federation 2016 List of Top 100 Retailers that have ATM programs.

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W H AT W E D O
Unique Value Proposition for All Constituents

Financial Institutions Consumers

Expanded presence Convenience avoids
Convenient surcharge-free separate trip to bank
access for cardholders More value / service
Brand promotion No fee if bank is a
Help small/mid-sized banks Cardtronics surcharge-free FI
compete with large banks
Path to ATM outsourcing

Retailers
Drives increased traffic
Increases in-store spend

Providing customers and businesses with convenient, reliable

access to cash, when they need it
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W H AT W E D O
Driving Both Issuer and Acquirer Sides of the Network

Issuers network Acquirer (Cardtronics)

Demand for cash Supply of highly convenient

withdrawals cash withdrawals

ATM bank
branding

Drives asset productivity and generates traffic for retailers

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W H AT W E D O
Cardtronics Allpoint Surcharge-Free Network

Largest surcharge-free ATM network Unrivaled Scale and Density

Over 55,000 ATMs globally(1)
1,300+ participating issuers
Financial institutions, prepaid card
issuers, government benefit providers
(e.g., social security)

60 mm+ cards seeking Allpoint ATMs

7 of the top 10 retailers(2) have Allpoint
ATMs

Convenient, High Quality Locations

Cost-efficient network for card issuers to maintain valued physical presence

1. Count includes 7-Eleven ATMs which are scheduled to come off the Allpoint network.
2. Based on National Retail Federation 2016 List of Top 100 Retailers that have ATM programs.
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OUR MARKET
Cash Market Is Massive and Durable

Global Cash Payment Flows Unique Cash Attributes

Secure
Ubiquitous acceptance
$78 T
3% Immediate settlement
$68 T CAGR
No merchant discount / chargeback risk

Resulting Preference for Cash

Cash users consider cash uniquely superior
to other instruments
More consumers use cash as their dominant
payment method than credit or debit
Digital payment methods in the offline
2014 2019 environment, such as digital wallets, have
displaced more card transactions than cash
transactions

Source: McKinsey Global Payments Map. Includes consumer and Source: McKinsey GCinsights Consumer Financial Life Survey, June 2015; Accenture 2016
business payments as well as cash flows from bank branches and North America Consumer Digital Payments Survey.
ATMs.
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MASSIVE AND DURABLE CASH MARKET
Cash Volume Trends in the U.S.

Transaction Volume Transaction Value

$5,000
$4,397
120 cash $4,500

Transaction Value ($ billions)

107
Number of Transactions (billions)

100
$4,000
credit
$3,500

80 71
$3,000
debit $2,845

60 credit
$2,500 cash
$2,000 $2,130
41
40
debit $1,500

20 prepaid $1,000
prepaid $444
17 $500
0 $-
2010 2012 2014 2016 2018 2020 2010 2012 2014 2016 2018 2020

Cash forecasted to remain a primary method of payment for POS and P2P
Data includes offline and online channels

Source: McKinsey Global Payments Map, Q1 2017.

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FAV O R A B L E T R E N D S
Branch Transformation Increasing Importance of ATM Channel

Top U.K Branch Closures since 2015 (1) Top U.S. Branch Closures since 1Q16 (2)

160 572 branches closed across five banks

941 branches closed, representing
400 15% of combined branch estate 140
120
300 100
80
200
60
100 40
20
0 -
HSBC RBS Lloyds Barclays Co-op JPMorgan Wells B of A Citibank PNC
Bank Chase Fargo

Benefits to Cardtronics

+ Fewer reasons to visit branch, but cash still

requires physical interaction
+ Banks actively moving transactions from
teller to ATM
+ Shapes consumer behavior toward ATMs

Uniquely positioned to capitalize on favorable trends in financial services

1. Briefing Paper Number 385 (Dec 15, 2016) published by House of Commons Library; graph data sourced from BBC Research and Which?
2. JPM, BofA, Citi, PNC: Company disclosures. Wells: FDIC Data.
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FAV O R A B L E T R E N D S
Migration from Teller to Self-Service Driving ATM Growth

FI Teller Transaction Volume ATM Transaction Volume

Migration of
transactions to ATMs

Deposits

FI

Withdrawals
IAD
2017 Attrition Migration 2022 2017 Migrated Attrition 2022
to ATM from
Teller

Investing in our talent, infrastructure and product capabilities to

position us for this opportunity

Source: RBR 2016 Global ATM Market and Forecasts and Cardtronics estimates.
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Multiple Growth Drivers

Growth Drivers
Drive more transactions at existing
ATMs Company owned units
i.e., Allpoint +90%

Grow with major retail customers

86,263
Existing customers growing store
footprint 65,693
55,391 59,005

Add new retailers and FIs 45,408

Expand FI relationships into

management of on-premise ATMs
Facilitated by branch closures 2013 2014 2015 2016 1Q17

Enter new geographies

South Africa is most recent example
Acquisitions
Pipeline of global opportunities
Our mission: to be the ATM network of choice in every
neighborhood and for every business, around the world
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T H E C A R D T R O N I C S S TO RY
One of a Kind Company. Long Growth Runway.

The Positioning

The Performance

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Business Model Drives Consistent Performance

1. Diverse and 2. Proven M&A track

recurring revenue record
stream

5. Strong cash 3. Expanding

flow and margins
balance sheet

4. Consistent revenue and

earnings growth

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1. Diverse, Recurring Revenue Streams

Consumer Revenue by Type

Surcharge
Dynamic currency conversion 2010 1Q17
3%
Managed
8% Services & other
16%
14%
Bank Branding &
Surcharge-Free
Card Issuer

Allpoint surcharge-free network 30%

33%
Interchange
Branding, pointing products
Interchange

Retailer / ATM Site 51%

45%
Surcharge

Managed services
Processing % of ATM Operating
revenue

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2. Strong M&A Track Record Acquisitions Complement
Organic Growth

Since 2011 completed 18 acquisitions

added >98k ATMs
recently expanded into Australia,
New Zealand, and South Africa

Revenue Growth Rate (1) (2)

Growth fueled by both organic and 13%

acquired revenues 11%
9% 11%
5%
leverages our scale
12% 6% 7% 5% 6%
and infrastructure
2012 2013 2014 2015 2016

Organic % Acquisition %

1. ATM Operating Revenues only, which generally accounts for ~95% of total revenues.
2. 2015-2016 growth rates are on a constant-currency basis.
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3. Expanding Margin Through Scale and Efficiency

Gross Margin Adj. EBITDA Margin

36%
25%

30%
22%

2009 2016 2009 2016

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4. Delivering Consistent Revenue and Earnings Growth

Start of
Revenue Adj. EPS 7-Eleven
deconversion
($M)
11%
CAGR (1)
14% (1) $2.90
CAGR $1,475

$1.93
$876

2013 2014 2015 2016 2017E 2013 2014 2015 2016 2017E

1. Represents midpoint of 2017 guidance.

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5. Robust Cash Flow Profile

$M
$300
Cash flow from
$250 operations

$200 $144M

$150
Free Cash Flow
$100 $46M

$50 Capex (1)

$0
2011 2012 2013 2014 2015 2016

1. Cash used in investing activities, excluding acquisitions and divestitures.

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2017 Cash Flow Forecast

2017 Cash Flow(1) Forecast

($ millions)

(2) (3)
Adjusted EBITDA $325-340

(3)
Less: Cash taxes (25-20)

Less: Cash Interest (3)

(3534)

(3)
Less: Capital expenditures (150-140)

Total $115-146

1. Excludes changes in working capital and changes in other assets and liabilities.
2. Adjusted EBITDA is a Non-GAAP financial measure provided as a complement to results prepared in accordance with
accounting principles generally accepted within the United States of America (GAAP) and may not be comparable to
similarly-titled measures reported by other companies. The Company uses this Non-GAAP financial measure in
managing and measuring the performance of its business, including setting and measuring incentive based
compensation for management. Management believes that the presentation of this measure and the identification of
unusual, nonrecurring, or non-cash items enhance an investors understanding of the underlying trends in the Companys
business and provide for better comparability between periods in different years. Please see the Appendix for a
reconciliation of GAAP to non-GAAP measures.
3. Based on managements estimate and 2017 guidance range provided on 5/3/2017 investor conference call.

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Debt Capital Structure

1Q17 Pro Forma

Debt Rate Maturity
($mm) (1)

Revolving credit facility $210 Drawn LIBOR +2.00% July 2020

$400 capacity grid-based pricing

based on leverage;
highest spread is
2.25% above 3.25x
2022 Senior notes $250 (2) 5.125% 2022

2025 Senior notes $300 (2) 5.500% 2025

Convertible senior notes $288 (2) 1.000% 2020

TOTAL $1,048

1Q 2017 Adj. EBITDA $353 (3)

Total Leverage 2.9x (4)

1. Pro-forma for $300mm high yield offering on April 4, 2017 and $295mm paydown of outstanding credit facility borrowings.
2. Face value amount of principal.
3. Pro-forma for twelve month adjusted EBITDA contribution from DC Payments and Spark acquisitions.
4. Leverage ratio is calculated as net debt/adjusted EBITDA. Net debt calculation assumes ~$40mm of cash.
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T H E C A R D T R O N I C S S TO RY
One of a Kind Company. Long Growth Runway.

Appendix

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 Appendix Non-GAAP Reconciliation
Full Year 3 months
($ millions) 2012 2013 2014 2015 2016 1Q17 1Q16
Net income (loss) attributable to controlling interest and
43.6 23.8 37.1 67.1 88.0 (0.9) 15.4
available to common shareholders
Interes t expens e, net, i ncl udi ng a mortiza tion of
22.1 23.1 33.8 30.8 28.9 9.6 7.3
deferred fi na nci ng cos ts a nd note di s count
Income tax expens e (benefi t) 27.0 42.0 28.2 39.3 26.6 (3.0) 8.0
Redemption cos ts for ea rl y extingui s hment of debt - - 9.1 - - - -
Depreci a tion, a ccretion, a nd a mortiza tion of i ntangi bl e
83.2 95.8 111.4 123.8 127.8 44.3 31.9
a s s ets
EBITDA 175.9 184.7 219.6 261.0 271.3 50.0 62.6
Add: Los s (ga i n) on di s pos a l of a s s ets 1.8 2.8 3.2 (14.0) 0.1 3.2 0.4
Other expens e (i ncome) a nd i ncome a ttri butabl e to
(3.5) (5.6) (3.4) 2.8 2.9 (1.6) (0.6)
noncontrol l i ng i nteres ts
Res tructuri ng, redomi ci l e, a cqui s i tion a nd
3.3 15.4 18.1 27.1 23.3 17.5 7.6
di ves titure rel a ted expens es
Effects of certai n nonca s h or other i tems 12.1 21.5 16.4 19.5 21.4 2.2 3.2
Adjusted EBITDA 189.6 218.8 253.9 296.4 318.9 71.3 73.2
Les s : Ca s h Interes t expens e, net 21.0 21.1 20.8 19.4 17.4 6.6 4.5
Depreci a ti on a nd a ccreti on expens e 60.0 66.9 74.3 84.8 90.9 29.1 22.7
Income tax expens e (a t 35% through Q2 2013, a t
33.5% for rema i nder of 2013, 32% for 2014 through s i x
38.0 44.8 50.8 61.5 61.3 10.0 14.7
months endi ng Q2 2016, 24.2% for Q3 2016, 29.2% for
Q4 2016, 28% for 1Q17)
Adjusted Net Income 70.6 86.0 108.0 130.7 149.3 25.6 31.3
Wei ghted s ha res outs tandi ng - di l uted 43.9 44.6 44.9 45.4 45.8 46.2 45.7
Adjusted net income per diluted share 1.6 1.9 2.4 2.9 3.3 0.6 0.7

EBITDA, Adjusted EBITDA, Adjusted Net Income, Adjusted Net Income per diluted share, Free Cash Flow, and certain GAAP as well as non-GAAP measures on a constant-currency basis
represent non-GAAP financial measures provided as a complement to results prepared in accordance with GAAP and may not be comparable to similarly-titled measures reported by other
companies. The Company uses these non-GAAP financial measures in managing and measuring the performance of its business, including setting and measuring incentive based compensation
for management. Management believes that the presentation of these measures and the identification of notable, non-cash, and/or (if applicable in a particular period) certain costs not
anticipated to occur in future periods enhance an investors understanding of the underlying trends in the Companys business and provide for better comparability between periods in
different years.

Adjusted EBITDA excludes depreciation, accretion, and amortization of intangible assets as these amounts can vary substantially from company to company within the Companys industry
depending upon accounting methods and book values of assets, capital structures, and the methods by which the assets were acquired. Adjusted EBITDA also excludes share-based
compensation expense, acquisition and divestiture-related expenses, certain non-operating expenses, certain costs not anticipated to occur in future periods (if applicable in a particular
period), gains or losses on disposal of assets, the Companys obligations for the payment of income taxes, interest expense, and other obligations such as capital expenditures, and includes an
adjustment for noncontrolling interests.
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