QuickLinks -- Click here to rapidly navigate through this document

Exhibit 10.15

    Agreement ref:    TRM 001
                  

SUPPLEMENTAL AGREEMENT

        This agreement ("Supplement") is supplemental to the Agreement
identified above ("Agreement") made between TRM (ATM) LIMITED ("TRM") and NCR
LIMITED ("NCR"). The parties agree that they will be bound by the provisions of
the Agreement as varied and/or supplemented by this Supplement. Terms used in
this Supplement will have the meanings attributed to them in the Agreement.
References to clauses and subclauses are to clauses and sub-clauses of this
Supplement unless expressed to the contrary.

1.    PURPOSE OF AGREEMENT

1.1NCR and TRM's parent company, TRM Corporation, have entered into a master
agreement dated 15 September 1999 (the "Purchase Terms").

1.2NCR and TRM have from time to time contracted for the supply to TRM of
automated teller machines ("ATMs") on outright sale and purchase terms and NCR
and TRM have agreed that such contracts of sale and purchase, and future
contracts for the supply of ATMs, are or shall be made and subject to the
Purchase Terms.

1.3TRM requires the use of additional ATMs and wishes to acquire the same on
lease or rental terms rather than by way of outright sale and purchase.

1.4NCR has agreed to rent ATMs to TRM under the Agreement.

2.    SUPPLY AND USE OF PRODUCTS

2.1The Products comprise ATMs which are located in various premises occupied by
customers of TRM (each a "Merchant") pursuant to agreements (each a "Merchant
Contract") made between TRM and the relevant Merchant. For the purpose of the
Agreement, the expression "Customer's Site" shall mean, with respect to each ATM
comprised in the Products, the Merchant premises ("Location") at which the
relevant ATM is located.

2.2It is expressly declared and agreed between NCR and TRM that the Products are
supplied by NCR to TRM on and subject to the Purchase Terms (except that any
provisions relating to the transfer of title in the Products shall be deemed
deleted) and that such supply shall be deemed to be made under a contract
arising pursuant to the Purchase Terms which is separate and distinct from the
contract made between them for the letting of the Products under the Agreement.
Accordingly, TRM agrees, without prejudice to any rights or remedies available
to it under the Purchase Terms, that the provisions of clauses 1.2.1, 2.2.4, 2.6
and 2.8 of the Agreement shall be fully effective with respect to the letting of
the Products under the Agreement regardless of any contrary or conflicting
provision in the Purchase Terms and that the Agreement may be enforced against
TRM by NCR accordingly.

2.3If title to any of the Products shall have transferred to TRM prior to the
Commencement Date, such title shall be deemed to transfer back to NCR on the
Commencement Date and such Products shall be deemed supplied to TRM pursuant to
the Agreement and this Supplement. TRM hereby waives any rights of ownership of
such Products that, but for this clause, it may have been entitled to assert.

2.4NCR acknowledges and agrees that the Products shall be located at the
Locations for the purposes of and pursuant to the relevant Merchant Contract.
TRM represents and warrants to NCR, as of the Commencement Date, that each ATM
comprised in the Products is subject to a duly authorised and executed Merchant
Contract.

--------------------------------------------------------------------------------

2.5TRM shall provide to NCR, on or prior to the Commencement Date and thereafter
at the intervals set out in the table below, and in a format acceptable to NCR,
the following particulars and information with respect to each ATM comprised in
the Products.

Metric

--------------------------------------------------------------------------------

  Frequency

--------------------------------------------------------------------------------

1.   ATM serial number   Monthly, by the 13th of the following month
2.
 
full name and address of the relevant Merchant
 
Monthly, by the 13th of the following month
3.
 
the Location address (if different from Merchant address)
 
Monthly, by the 13th of the following month
4.
 
a copy of the relevant Merchant Contract (if not previously supplied pursuant to
this clause 2.4 or clause 2.7)
 
Monthly, by the 13th of the following month
5.
 
revenue received by TRM from Cash Machine Transactions during the preceding
month with comparisons against previous months
 
Monthly, by the 13th of the following month
6.
 
the number of Cash Machine Transactions (as defined in the Merchant Contract)
carried out during the preceding month with comparisons against previous months
 
Monthly, by the 13th of the following month
7.
 
fees paid to the relevant Merchant with comparisons against previous months
 
Monthly, by the 13th of the following month
8.
 
inventory of ATMs shipped from NCR but not yet installed
 
Monthly, by the 13th of the following month
9.
 
planned installation schedule for the following 60 days
 
Monthly, by the 13th of the following month
10.
 
Risk profile. Visibility of TRM's metrics for internally monitoring the quality
of sites and their ongoing performance
 
Monthly, by the 13th of the following month

2.6TRM shall maintain supporting records and books in respect of the particulars
and information in clause 2.5 throughout the term of the Agreement. NCR or its
duly authorised representative shall be entitled once in every quarter to audit
the records and books of TRM upon 5 business days' notice.

2.7NCR reserves the right to cancel or delay any shipment of ATMs in the event
that the information received by NCR denote, in NCR's opinion, a material
concern about TRM's operations under this Agreement, or in the event that the
particulars or information provided by TRM is incomplete or TRM fails to
co-operate with any reasonable request for information.

2.8TRM shall promptly notify NCR in writing if any ATM is moved from the
Location last reported pursuant to clause 2.5 and shall provide particulars of
the new Location and (if applicable) the name of the Merchant and a copy of the
relevant Merchant Contract.

2.9TRM shall promptly notify NCR in writing of any changes to the standard terms
of the Merchant Contract.

3.    SECURITY

        As security for the due performance of its obligations under the
Agreement, TRM shall:

3.1assign to NCR its rights in and to the Merchant Contract, such assignment to
be in a form approved by NCR; and

--------------------------------------------------------------------------------

3.2procure that its parent company, TRM Corporation, and its associated company,
TRM Copy Centres (U.K.) Limited, shall each execute and deliver to NCR a
guarantee, in forms acceptable to NCR, of the obligations of TRM under the
Agreement

Except as provided above, all of the provisions of the Agreement will remain in
full force and effect.

Signed on behalf of
TRM (ATM) LIMITED
 
Signed on behalf of
NCR LIMITED
/s/ P. A. Townsley
 
/s/ Roger Bracken

--------------------------------------------------------------------------------

 

--------------------------------------------------------------------------------

(Signature)   (Signature)
Peter A. Townsley
 
Roger Bracken

--------------------------------------------------------------------------------

 

--------------------------------------------------------------------------------

(Full Name)   (Full Name)
Managing Director
 
VP, NCR, FSD, UK, IRELAND

--------------------------------------------------------------------------------

 

--------------------------------------------------------------------------------

18/7/02
 
13/8/02

--------------------------------------------------------------------------------

 

--------------------------------------------------------------------------------

(Date)   (Date)

--------------------------------------------------------------------------------

QuickLinks

Exhibit 10.15

SUPPLEMENTAL AGREEMENT