Confidential · For Investor Use Only · 2026–2027

HERTZBETZ.COM

Fiat-Only Marketing Plan · Sep 2026 — Dec 2027 · Germany · Austria · Malta

💳 Exclusive Strategy

Phase 1 · M1 · Sep 26

🚀 Initiation

$10.1k across all 3 markets at the confirmed 65/30/5 split. Validate eCPAs, ADPU benchmarks, and channel mix before committing scale spend.

Phase 2 · M2–M3 · Oct–Nov 26

📈 Scale

$71.6k cumulative. All 3 markets live since M1 at the confirmed split. 4-channel mix ramping across the board.

Phase 3 · M4–M6 · Dec 26–Feb 27

🌎 Expand

$306.3k cumulative. Affiliation and SEO compounding. Redeposit cohorts building across Germany, Austria and Malta.

Future or Immediate Expansion

🌍 Additional Markets

English-speaking markets — Canada (excl. Ontario/Alberta), New Zealand and Ireland — share similar Tier 1 characteristics and are worth scoping next, subject to local licensing and payment rails (e.g. Interac is mandatory in Canada). Affiliates, partners and networks for these markets are also already available/at hand.

Launch (All 4 Markets)→ 5-Channel Scale→ Compound Redeposits→ Profitability

Brand Strategy

12-Month Fiat Branding Plan

Foundation → Brand Visibility → Industry Authority → Mass Expansion

M1–3 · Sep–Nov 26

🏗 Foundation

Finalize fiat-friendly brand identity
Build affiliate & paid social creatives
Launch Discord & Telegram communities
Activate in-house DB across all 3 markets

M4–6 · Oct–Dec 26

🔷 Brand Visibility

SEO Sites Partners
Odds-comparison & review site banner buys
Forums and Communities
Influencer seeding (YouTube / X)

M7–9 · Jan–Mar 27

🏆 Industry Authority

Apply for SiGMA / EGR industry awards
Scale eSports & iGaming event sponsorships
Mid-tier KOL program across all 3 markets
Podcast sponsorships (iGaming niche)

M10–12 · Jun–Aug 27

🚀 Mass Expansion

Major industry event presence (ICE, SBC etc.)
Top-tier KOL deals in DE, AT, MT
Push award recognition across all channels
Aggressive paid social retargeting

For the Shareholder

Executive Summary — $2.5M vs $4.0M Funding Scenarios

Germany · Austria · Malta · What each budget actually costs to fund through the trough, and when the business turns self-sufficient

$2.5M Scenario

Live model — M1–M12 + M13–M16 self-funding extension — now includes Bonus Cost at 10% of GGR

Actual cash needed: $1.45M at the deepest point (M12) — up from $887k before bonus cost was included in Opex, and up further now that Withdrawal Fees compound +5%/month and the new 2% Settlement line has been added.
12 months: 5,068 FTDs, $2.85M NGR, 0.66x ROI, cumulative P&L −$1.45M.
Self-sufficiency: M13–M16 funded entirely from the business's own cash flow, and monthly Profit/Loss turns positive again from M13 — but with Bonus Cost now in the model, the plan no longer closes the gap by Dec 2027: cumulative P&L ends M16 at −$1.09M rather than reaching breakeven.
16-month totals: $8.37M GGR, $5.95M NGR, $5.26M Opex (incl. $834k Bonus Cost, $517k Withdrawal Fees, $9k Settlement), 0.85x blended ROI.

$4.0M Scenario

Full engine re-run, self-consistent Spend+Opex=$4.0M split — now includes Bonus Cost at 10% of GGR

Marketing spend vs. Opex: $940k of the $4.0M is left for acquisition once $3.06M of Opex (incl. Bonus Cost) is funded first.
12 months: 4,742 FTDs (+250% vs. $2.5M), $2.68M NGR, 0.67x ROI, cumulative P&L −$1.31M.
Self-sufficiency: not modeled as a 16-month extension in this hub — this is a 12-month-only boxed comparison, same window as the $2.5M scenario above.

Bottom line: with Bonus Cost included in Opex at 10% of GGR, Withdrawal Fees now compounding +5%/month instead of decaying, and the new 2% Settlement line added, the $2.5M plan needs $1.45M of actual funding (up from $887k pre-Bonus-Cost, and up from $1.34M before the Withdrawal Fee/Settlement change) and no longer reaches self-sufficiency within the 16-month program — it closes Dec 2027 still $1.09M short rather than at breakeven. The $4.0M scenario box to the right has not yet been re-solved against the new Withdrawal Fee/Settlement Opex and still reflects the prior methodology — flag for a follow-up pass if you want it updated too.

Financial Overview

Hertzbetz.com — Fiat P&L Overview

Germany · Austria · Malta · Sep 2026 — Dec 2027 · All figures in USD · Original 12M program (M1–M12) plus the Sep–Dec 2027 self-funding extension (M13–M16)

$8.37M

Total 16M GGR (incl. legacy)

$5.95M

Total 16M NGR

$1.78M

Marketing Spend

$1.45M

Required Funding (cash trough through M12)

$3.30M

Opex Required (M1–M12)

$5.26M

Total Opex

0.85x

Blended ROI (NGR ÷ Spend+Opex)

8,973

Total FTDs

−$1.09M

Cumulative P&L (NGR − Spend − Opex)

Withdrawal Fees now compound +5%/month (anchored to the M1 amount) instead of decaying with legacy volume, and a new 2% Settlement line ($9k total) has been added to Opex per Sven's latest instruction — Total Opex is higher as a result; FTDs are unchanged since neither line feeds acquisition.

▸ Scenario (hypothetical, boxes only) — 16-Month Plan if Provider A were 10% instead of 13%

Everything else identical to the boxes above — only Provider A's GGR fee changes. Does not affect the P&L, tables, or charts elsewhere in this document.

$8.36M

Total 16M GGR (incl. legacy)

$5.94M

Total 16M NGR

$1.78M

Marketing Spend

$5.01M

Total Opex

0.88x

Blended ROI (NGR ÷ Spend+Opex)

8,973

Total FTDs

−$847k

Cumulative P&L (NGR − Spend − Opex)

12 Month Prediction

Hertzbetz.com — $2.5M Total Budget, 12 Months (Sep 2026 – Aug 2027)

Germany · Austria · Malta · Sep 2026 — Aug 2027 (12 months only, matching the original M1–M12 window — the M13–M16 self-funding extension above is not included here) · $2.5M total program budget = Marketing Spend + Opex, same constraint as the original plan · Marketing Spend solved as $2.5M minus Opex, but solved self-consistently: since spend drives FTDs/GGR/Deposits and those in turn drive Opex (via Apuesta, SoftSwiss, Bonus Cost, and Deposit/Withdrawal Fees), the split is found by iterating until Marketing Spend + Opex land exactly on $2.5M, not by subtracting a fixed guess · includes the +10% GGR uplift, both stacked −5% deposit cuts (M3–M16), CEO salary flat $15,000/mo every month, Affiliate Manager from M3, RFP Manager from M3, and CS Agency from M5, SoftSwiss as its own separate 13%-of-GGR fee, Bonus Cost (10% of GGR, now included in Opex throughout this hub), Deposit Fees at 7% (this 12-month window doesn't reach the M13–M16 2% cut), and Withdrawal Fees (note: this box has not yet been re-solved for the new compounding Withdrawal Fee / 2% Settlement methodology — see Master Plan tab)

$2.10M

Total 12M GGR (incl. legacy)

$1.43M

Total 12M NGR

$268k

Marketing Spend

$2.23M

Total Opex (incl. $210k Bonus Cost)

0.57x

Blended ROI (NGR ÷ Spend+Opex)

1,356

Total FTDs

−$1.07M

Cumulative P&L (NGR − Spend − Opex)

▸ Scenario (hypothetical, boxes only) — $2.5M / 12 Months if Provider A were 10% instead of 13%

Everything else identical to the boxes above (incl. Bonus Cost at 10% of GGR) — only Provider A's GGR fee changes, and the self-consistent Spend+Opex=$2.5M split is re-solved accordingly. Does not affect the P&L, tables, or charts elsewhere in this document. (Note: like the box above it, this self-consistent $2.5M/12M split hasn't yet been re-solved for the current compounding Withdrawal Fee / 2% Settlement methodology — flag for a follow-up pass if needed.)

$2.19M

Total 12M GGR (incl. legacy)

$1.49M

Total 12M NGR

$300k

Marketing Spend

$2.20M

Total Opex

0.60x

Blended ROI (NGR ÷ Spend+Opex)

1,515

Total FTDs

−$1.01M

Cumulative P&L (NGR − Spend − Opex)

12 Month Prediction — Month-by-Month ($2.5M total budget)

Same monthly ramp shape as the main plan, rescaled to a much smaller total marketing spend since Opex — now including SoftSwiss (13% of GGR), Bonus Cost (10% of GGR), Withdrawal Fees, and the Affiliate Manager/RFP Manager/CS Agency hires — absorbs the large majority of the fixed $2.5M — GGR/NGR computed off the pre-haircut deposit base plus the +10% GGR uplift, per the same logic as the main 16-month plan (Withdrawal Fees here still reflect the prior methodology, pending re-solve)

Month	Budget ($)	FTDs	Deposits ($)	GGR ($)	NGR ($)	Opex ($)	Profit ($)
M1 (Sep 26)	$2,684	14	$3,489	$137,608	$93,917	$162,108	−$70,875
M2 (Oct 26)	$6,999	36	$15,614	$134,973	$92,119	$160,652	−$75,532
M3 (Nov 26)	$9,425	49	$27,515	$134,170	$91,571	$166,295	−$84,149
M4 (Dec 26)	$16,413	83	$48,354	$136,775	$93,349	$166,926	−$89,991
M5 (Jan 27)	$21,415	109	$74,285	$141,856	$96,817	$177,338	−$101,936
M6 (Feb 27)	$24,839	120	$93,714	$145,264	$99,143	$178,284	−$103,980
M7 (Mar 27)	$17,991	91	$161,887	$166,176	$113,415	$183,995	−$88,571
M8 (Apr 27)	$23,122	117	$178,845	$171,585	$117,107	$185,391	−$91,406
M9 (May 27)	$27,835	141	$203,955	$180,810	$123,403	$191,246	−$95,677
M10 (Jun 27)	$34,404	175	$303,314	$219,355	$149,710	$206,394	−$91,088
M11 (Jul 27)	$39,117	198	$374,446	$249,465	$170,260	$219,287	−$88,144
M12 (Aug 27)	$44,119	223	$451,246	$283,943	$193,791	$233,840	−$84,168
12M Total	$268,363	1,356	—	$2,101,980	$1,434,602	$2,231,757	−$1,065,518

This uses the identical acquisition and Opex mechanics as the main 16-month plan (eCPA (DE $200 / AT $195 / MT $180, +$10/market), ADPU curves, redeposit compounding, depBoost, the −10% New Acquisition Deposit haircut plus both stacked −5% cuts M3–M16, corrected legacy deposit decay, the fixed Opex baseline + Retention $8,400/mo + Apuesta + SoftSwiss (13% of GGR, its own line again) + Bonus Cost (10% of GGR, now included in Opex throughout this hub) + Deposit Fees (7%) + Withdrawal Fees, per-month Opex bumps, the Affiliate Manager hire from M3, the RFP Manager hire from M3, the CS Agency hire from M5, the CEO salary flat at $15,000/mo every month, and the +10% GGR uplift) — but with a much smaller marketing budget than the main plan, because SoftSwiss, Bonus Cost, and Withdrawal Fees together absorb a large share of Opex within this 12-month window (figures in this box still reflect the prior Withdrawal Fee methodology — flag for re-solve). Only $268,363 of the $2.5M total is left for acquisition once $2,231,757 of Opex is funded first. The higher eCPA actually leaves slightly *more* room for spend than before ($268k vs. $261k), because fewer FTDs per dollar means lower deposit-linked fees too — but FTD volume still lands far short at 1,356 (vs. 8,973 in the main 16-month plan) since so little budget is left for acquisition once Opex is funded. The plan closes 12 months at roughly −$1.07M cumulative.

▸ Scenario (hypothetical, boxes only) — $2.5M / 12 Months, alternate revenue case

Same GGR, Spend, Opex (incl. Bonus Cost) and FTDs as the base $2.5M box above — only the NGR conversion rate differs. Boxes only — does not affect the P&L, tables, or charts elsewhere in this document.

$2.10M

Total 12M GGR (incl. legacy)

$1.48M

Total 12M NGR

$268k

Marketing Spend

$2.23M

Total Opex

0.59x

Blended ROI (NGR ÷ Spend+Opex)

1,356

Total FTDs

−$1.02M

Cumulative P&L (NGR − Spend − Opex)

▾ Scenario (hypothetical, boxes only) — $4.0M Total Budget, 12 Months

Full re-run of the same self-consistent engine as the $2.5M box above (eCPA (DE $200/AT $195/MT $180) /ADPU/redeposit/haircut mechanics, all Opex lines including Bonus Cost at 10% of GGR), re-solved so Spend+Opex lands exactly on $4.0M. Boxes only — does not affect the P&L, tables, or charts elsewhere in this document.

$3.93M

Total 12M GGR (incl. legacy)

$2.68M

Total 12M NGR

$940k

Marketing Spend

$3.06M

Total Opex

0.67x

Blended ROI (NGR ÷ Spend+Opex)

4,742

Total FTDs

−$1.31M

Cumulative P&L (NGR − Spend − Opex)

Hertzbetz.com — Fiat-Led · Channel Summary

16M Total GGR $8.30M (incl. legacy book) · 16M Total NGR $5.81M

Channel	12M Spend ($)	Notes
Affiliation	$552,784	DE, AT & MT
FB Media Buying	$201,011	Paid Facebook/Meta media buying · DE, AT & MT
Influencer & Streamer	—	Content creators · YouTube, Twitch, TikTok · DE, AT & MT
Organic / SEO	—	Compounding returns engine · DE, AT & MT
PPC Blackhat	—	Paused, reallocated to Affiliation · was aggressive paid acquisition · DE, AT & MT
Branding & Social	$0 (paused)	Reallocated to Affiliation · was eSports sponsorships, influencers, Discord/Telegram, industry awards
Total	$1,005,059	100%	Sep 26 – Aug 27 · 12 months

12M Bonus Cost (10% of GGR, now included in Opex throughout this hub): $411,011 · 12M Total FTDs: 5,068 · 12M Cumulative P&L (incl. Opex & new hires — Affiliate Manager, RFP Manager (from M3), CS Agency (from M5), per-month Opex bumps, Apuesta + SoftSwiss + Bonus Cost (10% of GGR) + Deposit Fees (7%, M1–M12) + compounding Withdrawal Fees (+5%/mo) + the new 2% Settlement line, −10% deposit haircut + two further −5% cuts M3–M16, corrected legacy deposit decay, GGR/NGR held at pre-haircut level, +10% GGR uplift, CEO salary flat $15,000/mo every month, Ops Increase line removed entirely): −$1,453,254 · 16M Cumulative P&L (self-funding extension through Dec 2027, profit trimmed 10%/mo, Deposit Fees cut to 2% for M13–M16, Total Deposits basis for M13–M16 fees cut a further 5%, NGR boosted +5% for M13–M16): −$1,089,532

Country Budget Allocation — 12M

DE 65% · AT 30% · MT 5%

Country	12M Spend ($)	12M FTDs	eCPA	ADPU
🇩🇪 Germany	$653,288	3,252	$200	$489
🇦🇹 Austria	$301,518	1,537	$195	$525
🇲🇹 Malta	$50,253	279	$180	$549
Total	$1,005,059	5,068	$198 blended	—

$8.37M

16M Total GGR (incl. legacy)

$5.95M

16M Total NGR

$1.78M

Marketing Spend

$5.26M

Total Opex

0.85x

Blended ROI (NGR ÷ Spend+Opex)

−$1.09M

Cumulative P&L (NGR − Spend − Opex)

Full Model

16-Month Master Planning Table

Sep 2026 – Dec 2027 · Fiat · Germany · Austria · Malta · All figures USD · M1–M12 = original program, M13–M16 = self-funding extension


Row


Row

Channel Performance

Channel KPI Breakdown

4-Channel Active Mix · Affiliation (reallocated) · FB Media Buying · Influencer & Streamer · SEO · PPC Blackhat (paused) · Branding & Social (paused)

Affiliation
Largest Channel

12M Spend$553k

FocusDE, AT & MT

FB Media Buying
Facebook & Meta

12M Spend$201k

MarketsDE / AT / MT

Organic / SEO
Compounding Engine

12M Spend$101k

ROI Trend↑ Compounding

MarketsDE / AT / MT

Branding & Social
Paused

12M Spend$0

StatusReallocated to Affiliation

PlatformsDiscord / Telegram

Influencer & Streamer
Creator Network

12M Spend—

PlatformsYouTube · Twitch · TikTok

FocusContent creators

PPC Blackhat
Paused

12M Spend—

StatusReallocated to Affiliation

MarketsDE / AT / MT

📊 Monthly Budget by Channel

Month	Total Budget	Affiliation	FB Media Buying	Organic / SEO	Branding	Influencer & Streamer	PPC Blackhat

Market Breakdown

Country Performance Overview

Germany · Austria · Malta — Fiat-Only

🇩🇪 Germany

Primary Market

12M Budget65.0%$653k

12M FTDs64.2%3,252

eCPA—$200

ADPU+5% vs. curve$256 → $541

Budget ShareConstant65% every month

3,252

FTDs

$653k

Spend

$200

eCPA

🇦🇹 Austria

Growth Market

12M Budget30.0%$302k

12M FTDs30.3%1,537

eCPA Target—$195

ADPU—$440

Budget ShareConstant30% every month

1,537

FTDs

$302k

Spend

$195

eCPA

🇲🇹 Malta

Emerging Market

12M Budget5.0%$50k

12M FTDs5.5%279

eCPA Target—$180

ADPU—$460

Budget ShareConstant5% every month

279

FTDs

$50k

Spend

$180

eCPA

Month-by-Month

Monthly P&L Detail

Budget · FTDs · Deposits · GGR · NGR · Profit · ROI per month

Month	Budget ($)	FTDs	DE FTDs	AT FTDs	MT FTDs	Deposits ($)	GGR ($)	NGR ($)	Profit ($)	ROI

Expected Cash Flow / Movement of Funds

NGR collected in · Marketing budget & Opex out · net monthly movement · cumulative cash position

Month	NGR Collected ($)	Marketing Budget ($)	Opex ($)	Net Cash Movement ($)	Cumulative Cash Position ($)

▸ Funding Requirement & Assumptions

Where and when additional capital is required

Cumulative cash position deepens through Month 12, then recovers through the M13–M16 extension as monthly Profit/Loss turns positive from M13 onward (helped by the Ops Increase line being removed and NGR getting a further +5% for M13–M16) — closing Month 16 at −$1.09M, up from a −$1.45M trough at Month 12, but no longer reaching breakeven now that Bonus Cost (10% of GGR) is included in Opex and Withdrawal Fees compound +5%/month. Deposit Fees still grow with redeposit-compounded deposit volume through M1–M12, though more slowly now that New Acquisition Deposits carry a flat −10% haircut, and the Deposit Fees rate itself drops to 2% (on a basis further cut 5%) for M13–M16. GGR and NGR are unaffected by the deposit haircut — they're computed off the pre-haircut deposit base — but NGR does carry the additional +5% boost for M13–M16 described above.
Trough funding requirement: ≈ $1,453,254 at Month 12 (Aug 2027) — the deepest point of the plan
Year-end cumulative position, original 12-month program: −$1,453,254 by Month 12 (Aug 2027)
Monthly Profit/Loss is negative M1 through M12, then turns positive from M13 onward through the self-funding extension — the cumulative position does not cross into positive territory within the modeled 16-month window (M16 monthly ROI reaches 1.16x, but the accumulated deficit is still −$1.09M)
A working-capital facility should be sized to the Month 12 trough, not the Month 16 close — on these numbers it would need to cover roughly ~$1.60M–$1.67M (padded 10–15% over the ≈$1.45M low) to carry the plan through its worst point
Extension (M13–M16, Sep–Dec 2027): cumulative position bottoms out at Month 12 and improves every month after — closing Month 16 (Dec 2027) at −$1,089,532, an improvement of roughly $364k over the Month 12 trough, helped by Deposit Fees dropping to 2% (on a Total Deposits base further cut 5% for these months), NGR boosted +5% for M13–M16, and the removal of the Ops Increase line — but Bonus Cost (10% of GGR) and the now-compounding Withdrawal Fees growing alongside NGR mean the extension no longer fully closes the gap. See the Extended Forecast tab for the month-by-month detail.

Modeling assumptions

NGR is collected the same month it's generated — no PSP settlement lag or chargeback holdback modeled
Marketing Budget and Opex are paid out the same month they're spent — no net-30/net-60 terms for affiliates or media buys
Opex carries independent, non-compounding per-month bumps on specific months (M5/M6/M9/M10 +2%, M11 +3%, M12/M15/M16 +4%, M13/M14 +2%; M1–M4, M7, M8 unbumped) — layered on top of the M3 Affiliate Manager hire and the M12 +$15k bump
No tax, gaming duty, or licensing fees modeled — flagged as a gap, not estimated
Opening cash position is set to $0 at M1 — this shows the incremental cash this plan generates or consumes on its own, not total company cash including existing reserves
Rests on the H2 deposit-boost assumptions (+55% to +98%) that drive the turnaround from M7 onward — if deposits ramp slower than modeled, the trough would be deeper and the recovery later
Includes a +3% GGR conversion uplift from the Affiliation-focused channel mix (PPC Blackhat and Branding & Social budget reallocated into the best-converting channel) — a modest, directional estimate, not independently validated against real channel-level conversion data
Legacy Withdrawal Volume (which the Withdrawal Fee is now based on) is extrapolated from the May–Jul 2026 actuals ($90k / $75k / $81k) using the geometric mean of the two observed monthly moves (≈ −5.1%/mo, held flat forward) — the two individual months moved in opposite directions, so a single-month rate was judged too noisy to compound over 16 months; revisit once more actuals land. New-acquisition withdrawal volume isn't separately modeled, so the fee is based on the legacy stream only

Growth Levers

New Opportunities

Additional growth levers beyond the core 12-month fiat plan

🔓

150K Pre-Qualified Leads — Ready Day 1

Access to a segmented lead database — available from Day 1, once the site has passed full audit and optimisation. Recommended approach is gradual send-outs to test deliverability and conversion before scaling into the wider acquisition mix. Further volume available on request, with room to expand into additional geos.

🎮

Nordics Influencer Network

Austria and Malta have rapidly growing YouTube and TikTok creator ecosystems. Partnering with 10–20 mid-tier KOLs (100k–500k followers) per market on a hybrid CPA + retainer model could deliver high-quality FTDs at blended eCPAs below $76 — well below the paid media buying benchmark. Recommended activation from M3 at $15k–25k per market, scaling in H2 once ROI is validated.

Hertzbetz · Supplementary to the 12-Month Strategy

Extended Forecast — Through End of 2027

The 12-month program (Sep 2026 – Aug 2027, $2.5M) extended four more months (Sep–Dec 2027) under a self-funding budget rule instead of further shareholder capital — the same acquisition/retention engine, run four months longer.

Cumulative Cash, Dec 2027

−$1.09M

vs. ‑$1.45M at end of the original 12M plan — an improvement, but not full breakeven

Cash Break-even

Trough at M12, recovering after

Cumulative position bottoms at −$1.45M (Aug 2027), improves every month through Dec 2027 but stays negative

Marketing Budget, Dec 2027

$224k/mo

100% self-funded from NGR, up from $165k in Aug 27

ROI, Dec 2027

1.16x

NGR ÷ (marketing + opex), incl. Bonus Cost

Where the Margin Goes — 16-Month Opex Breakdown, % of GGR

SoftSwiss, Apuesta, Deposit Fees, Withdrawal Fees, and Salaries & Overhead (now including the 2% Settlement line), each as a share of Total GGR ($8.37M over M1–M16) — the fees and fixed costs directly eating into margin, before marketing spend is even counted.

Cost	16M Total ($)	% of GGR
SoftSwiss	$1,111,440	13.27%
Deposit Fees	$821,866	9.81%
Salaries & Overhead (incl. 2% Settlement)	$1,410,391	16.84%
Apuesta	$567,935	6.78%
Withdrawal Fees	$517,389	6.18%
Bonus Cost	$833,958	9.96%
Total Opex	$5,262,978	62.84%

Of every $1 of GGR, roughly 63¢ is consumed by these six lines before marketing spend is even counted. NGR itself is now 71.0% of GGR, so Opex at 62.8% of GGR is eating roughly 89% of NGR — SoftSwiss is still the single biggest drain, just ahead of Salaries & Overhead, with Bonus Cost, Deposit Fees, and Withdrawal Fees roughly clustered behind it now that Withdrawal Fees compound upward instead of decaying. Marketing spend (21.2% of GGR, $1.78M over 16 months) is on top of this and is what pushes the plan from close-to-breakeven into a real shortfall.

Assumptions for the Extension (M13–M16)

Everything for M1–M12 is unchanged from the 12-month plan. These are the new rules applied only to the 4 extension months.

Self-funding ruleMarketing budget = 35% of the previous month's NGR, floored at the prior month's budget so it never shrinks — same as before, budget still grows $165k → $224k/mo.
10% monthly trimThe extension's resulting profit (NGR minus budget minus Opex) is reduced by 10% each month — kept at 90% of what the reinvestment loop originally projected — per Sven's instruction, a modest margin of safety rather than a deep discount.
OpexOpex assumptions have been updated per Sven's latest instructions, covering fixed costs, hires, Apuesta, SoftSwiss, Deposit Fees, and Withdrawal Fees. See the Master Plan tab for the full line-item breakdown.
ADPU (deposit per user)Continues improving at a gentle +1%/month per market, off the Aug 2027 level — far gentler than the +5%/mo back-loaded push modeled for M10–M12, since that was a one-time optimization push, not a permanent growth rate.
Deposit-quality boostHeld flat at the Aug 2027 level (1.98x) rather than continuing to escalate — conservative, avoids compounding an already-aggressive H2 assumption indefinitely.
Legacy/organic GGRSame decay formula continues, converging toward its $85k/mo floor.
eCPA, country split, GGR/NGR ratesHeld flat at their 12-month-plan values (Germany 65% / Austria 30% / Malta 5%; DE $200, AT $195, MT $180 eCPA).

Cumulative Cash Position — 16 Months

Sep 2026 → Dec 2027. Bars below zero = drawing on the $2.5M; bars above zero = self-generated surplus.

Cumulative cash negative (funded by the $2.5M) Cumulative cash positive (self-generated)

▸ Scenario (hypothetical): Cumulative Cash Position if Provider A were 10% of GGR instead of 13%

Same chart as above, only Provider A's GGR fee reduced from 13% to 10% — everything else identical (including Bonus Cost at 10% of GGR, Withdrawal Fees compounding +5%/month, the 2% Settlement line, the deposit-basis cut, NGR boost, Ops Increase removal, and the RFP Manager/CS Agency start-month change for M13–M16). Bars are shorter throughout and the trough is shallower — Month 12 (−$1.33M) vs. the 13% case's Month 12 trough (−$1.45M) — but with Bonus Cost and the compounding Withdrawal Fees now in the model, this scenario no longer crosses into positive cumulative cash within the 16-month window either, closing Month 16 at −$847k (an improvement of roughly $243k over the 13% case's −$1.09M close, but still short of breakeven).

M10

M11

M12

M13

M14

M15

M16

Cumulative cash negative (funded by the $2.5M) Cumulative cash positive (self-generated)

Month-by-Month — Full 16 Months

M1–M12 = original 12-month plan (unchanged, aside from the M12 Opex bump above). M13–M16 = self-funded extension, highlighted.

Month	Budget	Opex	FTDs	GGR	NGR	Profit / Loss	ROI	Cumulative Cash

Estimated Shareholder Payback — $2.5M

~Q3 2028 (around Month 25)

Cumulative cash is now −$1.09M at Month 16 (Dec 2027), deeper than before Withdrawal Fees started compounding and the 2% Settlement line was added. This holds monthly profit flat at the Month 16 rate (~$123k/mo) rather than assuming it keeps accelerating — a more conservative read than assuming the recent growth trend continues climbing. On that basis, breakeven lands around Month 25 (~Sep 2028), roughly 9 months past this forecast. Not a modeled projection, just a straight-line estimate on current run-rate.

▸ Scenario (hypothetical): Full 16 Months if Provider A were 10% of GGR instead of 13%

Same table as above, with only one input changed: Provider A's GGR fee reduced from 13% to 10% — everything else identical (including Withdrawal Fees compounding +5%/month, the 2% Settlement line, the deposit-basis cut, NGR boost, Ops Increase removal, and the RFP Manager/CS Agency start-month change for M13–M16). Does not change the P&L or any other table in this document. Trough moves from Month 12 (−$1.45M at 13%) to Month 12 (−$1.33M), monthly profit turns positive at Month 13 same as the 13% case, and the plan improves but still does not cross into positive cumulative cash within the 16-month window, closing Dec 2027 at −$847k instead of −$1.09M.

Month	Budget	Opex	FTDs	GGR	NGR	Profit / Loss	ROI	Cumulative Cash
M1 Sep 26	$10k	$160k	51	$141k	$97k	−$72k	0.57x	−$72k
M2 Oct 26	$26k	$165k	132	$148k	$103k	−$88k	0.54x	−$161k
M3 Nov 26	$35k	$177k	179	$160k	$111k	−$102k	0.52x	−$263k
M4 Dec 26	$61k	$188k	312	$182k	$126k	−$123k	0.51x	−$386k
M5 Jan 27	$80k	$211k	406	$212k	$147k	−$144k	0.51x	−$530k
M6 Feb 27	$93k	$221k	448	$234k	$162k	−$152k	0.52x	−$682k
M7 Mar 27	$67k	$254k	342	$321k	$222k	−$99k	0.69x	−$781k
M8 Apr 27	$87k	$267k	438	$348k	$241k	−$113k	0.68x	−$894k
M9 May 27	$104k	$289k	528	$388k	$269k	−$125k	0.68x	−$1.02M
M10 Jun 27	$129k	$356k	653	$536k	$372k	−$113k	0.77x	−$1.13M
M11 Jul 27	$146k	$410k	742	$654k	$453k	−$104k	0.81x	−$1.24M
M12 Aug 27	$165k	$471k	837	$787k	$545k	−$92k	0.86x	−$1.33M
M13 Sep 27	$165k	$404k	837	$898k	$653k	+$84k	1.15x	−$1.24M
M14 Oct 27	$180k	$436k	914	$998k	$726k	+$109k	1.18x	−$1.13M
M15 Nov 27	$201k	$478k	1,019	$1.11M	$809k	+$130k	1.19x	−$1.00M
M16 Dec 27	$224k	$519k	1,135	$1.24M	$900k	+$158k	1.21x	−$847k

Estimated Shareholder Payback — $2.5M (10% Provider A scenario)

~Q2 2028 (around Month 22)

Even this optimistic 10%-fee scenario no longer crosses positive within the 16-month window — it closes Dec 2027 at −$847k. Holding monthly profit flat at the Month 16 rate (~$158k/mo), breakeven lands around Month 22 (~Jun 2028), roughly 3 months earlier than the base 13% case's Month 25 estimate.

⚠ Caveats to flag alongside this to shareholders

This extension inherits every assumption already baked into the 12-month plan (redeposit decay, uplift factors, the H2 deposit-quality boost) — if actual M1–M12 results land materially below plan, the M13–M16 starting point shifts and these numbers should be re-run from actuals, not from the projection.
The 35% reinvestment rate is a proposal, not a derived figure — it's the lever that trades off growth speed vs. cash buffer. A lower rate (e.g. 25%) grows the marketing budget slower but builds cash faster; a higher rate does the opposite. Worth presenting as a range, not a single number.
No CPA inflation, no diminishing returns from market saturation, and no competitive response are modeled as spend scales past $200k/mo — at some point eCPA typically rises as easy inventory gets exhausted.
Currency, licensing, and regulatory costs for D-A-CH are assumed stable; no provision for one-off costs (new licences, market-specific compliance).

Hertzbetz · Acquisition

What Is Acquisition?

The umbrella term for every paid or partnership-driven channel that brings a new, real-money depositing customer to Hertzbetz.com. Everything in the Marketing Plan tab's budget — Affiliation, FB Media Buying, Influencer & Streamer, Organic SEO — is an acquisition channel.

Acquisition is how a new player finds Hertzbetz.com, clicks through, registers, and makes their first deposit (FTD). It's distinct from retention (keeping existing players depositing and playing) — acquisition is specifically about growing the depositing player base with net-new customers.

Every channel in the 12-month plan is a different way of doing this: paying a media platform directly for ad placements (FB Media Buying), paying content creators to promote the brand (Influencer & Streamer), investing in search ranking so players find the site organically over time (SEO), or — the largest single channel by budget — paying third-party partners a commission for every qualifying depositing customer they refer (Affiliation).

🤝

Affiliation

Third-party sites/partners refer depositing customers via a tracking link, paid per qualifying FTD or a revenue share.

📱

FB Media Buying

Paid ad placements bought directly on Meta platforms, targeting the DE/AT/MT markets.

🎥

Influencer & Streamer

Content creators (YouTube, Twitch, TikTok) promote the brand to their existing audience.

🔍

Organic / SEO

Compounding, non-paid traffic from search rankings — slower to build, cheapest per FTD once established.

Example

Example of Affiliation

The largest single acquisition channel in the plan (55% of monthly spend) — worth walking through in detail.

We purchase a listing with our brand on external affiliate SEO sites, forums, channels, apps, etc. — third-party platforms with an existing audience of potential players. The affiliate places our casino on their site with a unique affiliate tracking link, and is rewarded for every depositing customer that fulfills the deal criteria.

🌐

Affiliate Site

SEO comparison site, forum, review channel, or app lists Hertzbetz.com

→

🔗

Tracking Link

Player clicks the affiliate's unique tracking link to Hertzbetz.com

→

📝

Registration & FTD

Player registers and makes their first real-money deposit

→

💰

Affiliate Rewarded

Affiliate is paid (CPA and/or revenue share) once deal criteria are met

ListingWe purchase placement on the affiliate's site — a casino comparison page, a forum thread, a Telegram/Discord channel, or an app directory.
Tracking linkEvery affiliate gets a unique link so any resulting registration and deposit can be attributed back to them specifically.
Deal criteriaThe affiliate is only rewarded once a referred player fulfills the agreed conditions — typically a confirmed first deposit at or above a minimum threshold.
Reward structurePaid as a flat CPA per qualifying FTD, a revenue share of that player's ongoing losses, or a hybrid of both — see the Affiliate Database tab for current partner terms.

Why we buy #1 positions — example #1 listings on kasinoseta.fi and betbrain.com

Example: buying #1 listing positions on kasinoseta.fi and betbrain.com — brand dominance, organic traffic, affiliate growth, and compounding returns from owning top placements.

Document 2

Immediate Optimisation

Commercial Optimisation Action Plan · Renegotiate terms across providers, payments and bonus cost before scaling paid spend

🎯 Priority 1 — Renegotiate Commercial Terms (Immediate)

Four commercial levers — game provider fees, deposit processing, withdrawal fees and bonus cost — currently sit above market benchmark. Renegotiating these ahead of the $2.5M acquisition ramp compounds every dollar of new NGR at a materially better margin.

🎮 Game Provider Fees

Current

~13% GGR

Benchmark

9–11% GGR

• Immediate renegotiation with providers/aggregator
• Review provider mix and individual contribution
• Introduce tiered commercial agreements based on volume

➔ Target: Reduce to 10–11% GGR

💳 Payment Processing — Deposits

Current

Target

5–6%

• Renegotiate PSP commercial terms
• Introduce alternative lower-cost payment methods
• Review routing strategy

➔ Target: 5–6%

💸 Withdrawal Fees

Current

Target

• Challenge current PSP pricing
• Compare against competing providers
• Consolidate payment partners where possible

➔ Target: 3%

🎁 Bonus Cost Optimisation

Current

35% of GGR

Target

≤25%

Significantly above industry best practice — directly impacts profitability

• Review VIP programme · reduce cashback generosity
• Tighten bonus eligibility & improve abuse controls
• Shift toward targeted CRM campaigns over blanket bonuses

➔ Target: Maximum 25% of GGR

📊 Overall Commercial Review

Additional initiatives

✅ Review minimum platform fee (€17k/month)
✅ Analyse provider performance and remove low-value suppliers
✅ Benchmark all supplier contracts against market standards
✅ Optimise payment mix for lower transaction costs
✅ Introduce quarterly supplier performance reviews

Expected Outcome

Current vs. target, by area

Area	Current	Target
Game Provider Fees	13%	10–11%
Deposit Processing	8%	5–6%
Withdrawal Fees	5%	3%
Wagered Bonuses	35%	≤25%
Supplier Contracts	Legacy	Market Competitive

💰 Potential Annual Savings — Three Scenarios

Translating the three commercial-fee levers into $ impact · based on $3.68M total 12M GGR

Lever	Low · Conservative	Medium · Likely	High · Optimistic
Game Provider Fees 13% → 12% / 10.5% / 9%	$36,800	$91,900	$147,000
Deposit Processing 8% → 7% / 5.5% / 5%	$36,800	$91,900	$110,300
Withdrawal Fees 5% → 4.5% / 3.5% / 3%	$18,400	$55,100	$73,500
Total Potential Annual Savings	$92,000	$239,000	$331,000

Low / Conservative assumes only a token first concession from each provider — a small, easy win rather than a real renegotiation outcome. Medium / Likely assumes solid renegotiation outcomes at roughly the midpoint of each target range. High / Optimistic assumes every lever lands at the top of its stated benchmark, which would require strong leverage in every negotiation running in parallel — realistic as a stretch goal, not a base case. All figures are annualised against the current $3.68M 12M GGR run-rate and would scale up or down with actual GGR as the plan executes.

Optimisation at a Glance

Current cost (bar) vs. target ceiling (overlay)

🎮 Game Provider Fees13% → 10–11%

💳 Deposit Fees8% → 5–6%

💸 Withdrawal Fees5% → 3%

✓ Supplier Benchmarking · ✓ Contract Renegotiation · ✓ Quarterly Commercial Reviews

Activation Plan

Rollout Roadmap

Phase-by-phase activation — from readiness through to scaled acquisition and new market entry

START

Phase 1 · September 2026

Duration · ca. 4 weeks

Full Audit & Readiness Report

Comprehensive review across site, compliance, cashier and infrastructure readiness — establishing a clean baseline before any outreach begins. In parallel, a full audit of every Opex and cost-related line item, with direct conversations opened with payment and game providers to renegotiate rates and optimise fees. All alongside continuing to optimise and retain the current player base.

Full Audit Readiness Report Baseline Sign-Off Opex & Fee Review

▸ Example of Full Audit — UX & Technical

This is the kind of output Phase 1 produces in practice — a live UX and technical audit (session replay, console/network error tracking, funnel drop-off analysis) surfacing exactly where users are failing and why, so fixes are prioritised by actual impact rather than guesswork.

Examples of improvements — tried and tested

Login blocked by a network error mid-flow

87.86% lower conversion when this error hit (41 users)

71.94% lower conversion when this error hit (153 users)

Two recurring console errors: undefined debug method + WebSocket error

Error-click hotspots on the login/registration fields

March 16 crash: 140 users hit 400/401 errors on withdrawal, login, deposit

Repeated API errors surfacing on bet-builder cards

Error spikes March 16–18, declining once patched

Registration funnel: 2.4K → 535 → 176 → 58 (2.42% conversion)

Hypothesis: surface the welcome bonus earlier in registration

Phase 2 · October 2026

Duration · 2–3 weeks

Gradual SMS & Email Send-Outs

Phased activation of the 300K-strong in-hand lead base, ramping SMS and Email volume gradually while deliverability, opt-outs and response are monitored.

SMS + Email Gradual Ramp Deliverability Check

📊 Lead Database Context — DE · AT · FI

There's a wider database of 300,000 leads spanning Germany, Austria, and Finland. Finland is built in parallel with DE/AT from the start of this phase, without requiring extra budget — the SMS/Email send-out infrastructure is already being stood up for the core two markets, so extending the same pipes to the Finnish contacts adds no separate spend, only incremental send volume.

Annualized Projection

Scenario	Depositors	Deposits	GGR	NGR
0.1% Conversion	3,600	€360,000	€126,000	€94,500
0.5% Conversion	18,000	€1,800,000	€630,000	€472,500

⚑ Disclaimer: These are high-level assumptions, not yet taken into consideration in the forecast or the Marketing Plan tab's P&L, but will be contributing without any additional spend.

⚠ Attention: Finland deposit fees typically run 1–1.5% with providers such as Zimpler — not yet factored into the projection above.

Phase 3 · End of October 2026

Gradual Paid Acquisition Start

Paid channels begin ramping in parallel, building on the deliverability and response learnings from the send-out phase.

Paid Channels Gradual Start

Phase 4

Increased Scaling

Budget and channel mix scale up from here, subject to the results and learnings from Phases 1–3.

Subject to Results Budget Scale-Up

▸ New Hires — Affiliate Manager, RFP Manager, External CS Agency (Tried and Tested)

Affiliate Manager — owns partner recruitment and relationship management, negotiates deals, and drives the affiliate channel that this scale-up phase leans on most heavily.

RFP Manager — runs vendor and provider tenders (payments, game providers, agencies) to keep costs competitive as spend scales.

External CS Agency — outsourced player support to absorb the volume increase without building an in-house team from scratch. All three roles are the same hires already used and proven in the core plan, applied here to the scaled-up phase.

Phase 5 · New Market Entry

Introduce a New Market — e.g. Finland

Once the core three markets are performing to plan, open a fourth market such as Finland — an attractive next step given its comparatively light operational lift, favourable PSP costs, and strong player value. Entry is sequenced deliberately, so the proven playbook from Phases 1–4 carries straight across rather than starting from scratch.

New Market Low Operational Lift Strong Player Value

Bonus Modelling

Bonus Strategy

Content removed — placeholder for future rebuild

Document 4

360° Site & Conversion Audit

Cashier & Localisation · VIP Programme · Welcome Email · SEO · Mobile · Live Support

Audit Brief

A complete, screenshot-led audit of the Hertzbetz.com site and end-to-end customer journey — from first landing, through deposit and onboarding, to VIP retention — with the sole objective of identifying friction points and fixing them ahead of the $2.5M acquisition push, so every euro of paid traffic converts at the best possible rate.

Scope also extends beyond the site itself: a full assessment of third-party sportsbook and game providers (feasibility and commercial terms), a full assessment of the CRM software and the team's capability to run it, a dedicated Customer Support check, and an overall assessment of team performance and scalability ahead of the 12-month ramp.

Objective

Maximise deposit & retention conversion

Site Scope

Cashier, Localisation, VIP, CRM/Email, SEO, Mobile, Support

Organisation Scope

3rd-Party Providers, CRM & Team Capability, Support, Team Scalability

Markets

Germany · Austria · Malta

Status

In Progress · Findings Below

01 · Cashier & Payment Methods

02 · Localisation & Geo-Compliance

03 · Site Content Localisation (DE)

04 · Promotions — Inconsistent Offering

05 · Outdated Tournaments (2025)

06 · Confusing CRM Emails

Team & Org Plan

Headcount & Opex

Fixed headcount & overhead (incl. CEO salary, now flat/unbumped every month) · Plus the three planned new hires (RFP Manager, Affiliate Manager, CS Agency) · All figures in USD · Feeds the Master Plan Opex line · Apuesta, Deposit Fees, and Withdrawal Fees are now all variable (linked to GGR or Deposits), so total monthly Opex is no longer flat anywhere in the plan — see the fold-down on the Master Plan tab for exact monthly figures

$67,852.00

Fixed Opex / mo (headcount & overhead incl. CEO, excl. Retention)

New Direct Hires (Affiliate Mgr M3 · RFP Mgr M3 · CS Agency M5)

$149,424 → $412,186

Total Opex / mo, M1 → M16 (incl. variable fees)

Fixed Headcount & Overhead

Total: $67,852.00/mo · all figures USD · excludes Apuesta, Deposit Fees, Withdrawal Fees & Retention (all variable or flat-outside-this-total, see below)

Expense	Monthly (USD)
Corporate allocation	$11,700.00
CEO (flat, unbumped every month — see note below)	$15,000.00
Casino Manager	$2,060.00
CRM	$3,000.00
UX/UI	$3,000.00
VIP Manager	$3,600.00
Senior Data Analyst (PT)	$2,500.00
Head of Customer Support	$1,720.00
Admin fees	$14,040.00
AWS / Customer.io / Affiliates	$7,020.00
Payment Agent	$2,106.00
Curaçao Licence	$2,106.00
Total Fixed Monthly Costs	$67,852.00

This is the fixed, all-in headcount & overhead baseline (payroll, corporate overhead, platform/licensing fees) — it replaces the previous $90,000/mo base + SoftSwiss fee + Sven salary breakdown, which is now folded into the figures above. The duplicate “Corp fees” line ($11,700/mo) has been removed as it overlapped with Corporate allocation. The former Rent line ($9,360/mo) has been renamed Retention and changed to a flat $8,400/mo (an initial flat $8,000/mo, then increased +5% again per Sven's latest instruction, to offset the faster legacy-deposit decay curve) — it now sits outside this fixed-cost total and outside the per-month Opex bumps (see the Retention row below). CEO salary is also excluded from the per-month Opex bump per Sven's latest instruction — it shows a flat $15,000.00 every single month, M1–M16, unlike the other 11 line items above which do scale with each month's bump percentage. Apuesta, Deposit Fees, and Withdrawal Fees used to be flat lines here ($19,890 / $19,094.40 / $4,797.00) — all three are now variable and shown separately below.

Retention

Flat $8,400.00/mo · excluded from the per-month Opex bump percentages · renamed from Rent, increased +5% per Sven's latest instruction

Expense	Monthly (USD)
Retention (flat, unbumped)	$8,400.00

Variable Fees — Apuesta, SoftSwiss, Deposit & Withdrawal

Scale with GGR or Total Deposits every month · feeds the Master Plan Opex line

Fee	Basis	Rate
Apuesta	That month's Total GGR	Min $19,890/mo, or 6% of GGR once GGR passes $300k
SoftSwiss (separate line from Apuesta, per Sven's latest instruction)	That month's Total GGR	Flat 13% of GGR, every month — no minimum, no threshold
Deposit Fees	That month's Total Deposits (New Acquisition + est. Legacy)	7% (M1–M12); cut to 2% for M13–M16, applied to a Total Deposits basis also cut a further 5% for M13–M16 only, per Sven's latest instruction
Withdrawal Fees	That month's Withdrawal Volume (est. Legacy — not Deposits)	Tripled monthly fee amount (the resulting $ figure — previously 10% of Withdrawal Volume — is now simply ×3, per Sven's latest instruction; no longer described as a rate)

Apuesta and SoftSwiss are two separate platform-provider fee lines, each with its own basis and rate — they had previously been merged into a single renamed "Apuesta" line; that merge is now reversed per Sven's latest instruction. Deposit Fees are modelled as a % of that month's Total Deposits (the combined New Acquisition + estimated Legacy figure on the Master Plan tab) — 7% for M1–M12, cut to 2% for the M13–M16 self-funding extension per Sven's latest instruction. Withdrawal Fees are anchored to the M1 amount (still derived from the May–Jul 2026 legacy actuals) and now compound +5% every month for the rest of the 16-month forecast, per Sven's latest instruction — replacing the previous declining, legacy-volume-linked trend. A new 2% Settlement line has also been added — 2% of a $450,000 base ($9,000 total across the plan), phased in with a gentle month-on-month increase rather than a flat split. See the Master Plan tab's Opex fold-down for the exact monthly figures.

Planned New Hires — Direct

Total: $12,550/mo once all live (from M5)

Role	Monthly Cost (USD)	Start Month
Affiliate Manager	$4,050	M3
RFP Manager	$2,500	M3
CS Agency	$6,000	M5
Total (once all live, M5 onward)	$12,550	—

• Affiliate Manager live from M3 at $4,050/mo
• RFP Manager live from M3 at $2,500/mo, per Sven's latest instruction (moved from M1)
• CS Agency (outsourced) reinstated from M5 at $6,000/mo, per Sven's latest instruction (moved from M4)
• All other previously-planned roles (CRM Executive, VIP Manager 2nd hire) remain removed from this plan
• All three hires are subject to the same per-month Opex bump percentages as the rest of the fixed headcount line (see Master Plan tab fold-down for exact monthly figures)

Combined Opex by Phase

Feeds directly into the Master Plan Opex line

Phase	Fixed Opex (w/ bump, excl. CEO)	CEO (flat)	Retention (flat)	New Hires (w/ bump)	Apuesta	SoftSwiss	Deposit/Withdrawal Fees	Total Opex (exact)
M1	$52,852.00	$15,000.00	$8,400.00	$0.00	$19,890	$18,286	$34,996	$149,424
M6 (+2% bump)	$53,909.04	$15,000.00	$8,400.00	$12,801.00	$20,288	$31,922	$53,645	$195,965
M12 (+4% bump)	$54,966.08	$15,000.00	$8,400.00	$13,052.00	$51,378	$111,318	$151,654	$405,768
M16 (+4% bump)	$54,966.08	$15,000.00	$8,400.00	$13,052.00	$80,939	$175,368	$64,461	$412,186

Master Plan Opex assumption: $52,852.00/mo fixed headcount & overhead excl. CEO (after removing the duplicate Corp fees line and moving Rent/Retention to its own flat, unbumped line), plus a flat, unbumped CEO salary of $15,000/mo every month (per Sven's latest instruction, no longer subject to the per-month bump), applies from M1. On top of that: Affiliate Manager +$4,050/mo from M3, RFP Manager +$2,500/mo from M3, and CS Agency +$6,000/mo from M5 (all three subject to the bump), plus a flat Retention of $8,400/mo (unbumped). The Ops Increase line (+$15,000/mo from M12) has been removed entirely per Sven's latest instruction. Plus Apuesta (min $19,890, or 6% of GGR once GGR passes $300k) and SoftSwiss (flat 13% of GGR, every month, no minimum or threshold), plus Deposit Fees of that month's Total Deposits — 7% for M1–M12, cut to 2% for M13–M16, applied to a Total Deposits basis that is itself cut a further 5% for M13–M16 only (Deposit Fees/Opex only — GGR/NGR are unaffected by this basis cut) per Sven's latest instruction (now with the −10% New Acquisition Deposit haircut and corrected legacy decay folded in — GGR/NGR themselves are unaffected by this haircut, see the Extended Forecast tab) and Withdrawal Fees, anchored to the M1 amount and now compounding +5% every month for the rest of the plan, per Sven's latest instruction — plus a new 2% Settlement line (2% of a $450,000 base, $9,000 total, phased in with a gentle monthly increase) — each month's per-month bump (see Master Plan tab) is then applied on top of the fixed+hires total (CEO, Retention, Withdrawal Fees, and the 2% Settlement line are excluded from the bump). NGR for M13–M16 also carries an additional flat +5% boost per Sven's latest instruction, layered on top of the 10% profit-trim already applied to the extension months — GGR is left untouched by this NGR boost. SoftSwiss alone still adds roughly $1.05M in fees across the 16-month plan — it remains the single largest driver of Opex growth, with Withdrawal Fees now a much larger share too given the new compounding growth — open the fold-down under the Opex ($) row on the Master Plan tab to see every month's exact line-item cost and the 16-month total per line.

STRATEGYHUB

HERTZBETZ.COM

🚀 Initiation

📈 Scale

🌎 Expand

🌍 Additional Markets

12 Month Prediction — Month-by-Month ($2.5M total budget)

Hertzbetz.com — Fiat-Led · Channel Summary

Country Budget Allocation — 12M

AffiliationLargest Channel

FB Media BuyingFacebook & Meta

Organic / SEOCompounding Engine

Branding & SocialPaused

Influencer & StreamerCreator Network

PPC BlackhatPaused

🇩🇪 Germany

🇦🇹 Austria

🇲🇹 Malta

150K Pre-Qualified Leads — Ready Day 1

Nordics Influencer Network

Extended Forecast — Through End of 2027

⚠ Caveats to flag alongside this to shareholders

What Is Acquisition?

Affiliation

FB Media Buying

Influencer & Streamer

Organic / SEO

📊 Overall Commercial Review

Expected Outcome

💰 Potential Annual Savings — Three Scenarios

Optimisation at a Glance

Fixed Headcount & Overhead

Retention

Variable Fees — Apuesta, SoftSwiss, Deposit & Withdrawal

Combined Opex by Phase

STRATEGY
HUB

Affiliation
Largest Channel

FB Media Buying
Facebook & Meta

Organic / SEO
Compounding Engine

Branding & Social
Paused

Influencer & Streamer
Creator Network

PPC Blackhat
Paused