Adakah anda tahu ramai yang menjadi JUTAWAN dengan PAY-PER-CLICK di Google & Yahoo! ?

1. Adakah anda tahu ramai yang menjadi JUTAWAN dengan PAY-PER-CLICK di Google & Yahoo! ? Adakah anda mahu menjadi JUTAWAN seperti mereka?? ADAKAH ANDA MAHU PENDAPATAN SETIAP HARI TANPA BEKERJA ??

2. E-Commerce Advertisement Make More Money by clicking text based Advertisement • The leader in social marketing • Make money for sharing your links • Absolutely USD10 to Open account • A wide range of bonuses It is simple and easy to get started making money Today!

3. ANALISA & KONSEP PENGURUSAN RISIKO • SETIAP PERNIAGAAN MEMPUNYAI RISIKO SAMADA BESAR ATAU KECIL  TIADA KEHIDUPAN TANPA RISIKO • RISIKO SEBENARNYA ADALAH SATU PELUANG YANG BAIK !!! • TIADA SEBARANG JAMINAN ATAU “GUARANTEE” TERHADAP MODAL ANDA  ANDA SENDIRI YANG BERTANGGUNGJAWAB SEPENUHNYA  ANDA MESTI BIJAK MENGURUS RISIKO ANDA • MODAL ANDA MESTILAH SATU JUMLAH YANG TIDAK MEMBAHAYAKAN KEWANGAN ANDA • KAMI MENGAJAR ANDA KAEDAH PENILAIAN & PENGURUSAN RISIKO • KAMI BERKONGSI PELUANG PERNIAGAAN INI SUPAYA ANDA MAMPU MENJANA PENDAPATAN TAMBAHAN * 1 Click = USD0.0025 *Termsand Conditions Apply

4. You Buy The Ads Package Our System Moderator Will Do The Job Non-Stop For You Daily Income From Google To You !

5. www.yahoo.com www.youtube.com

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7. THE COMPANY IS GIVING AWAY 1000 SHARES FREE OF CHARGE TO ANY ASSOCIATES WHO BUY DIAMOND PACKAGE OF USD1000. The promotion is valid until 31st Ovt 2009. The company exists since 2004 and is running GENUINE businesses Kepimpinan syarikat amat DIYAKINI berdasarkan 5 tahun pengalaman LEADERS berniaga dengan Mobile Wallet Pihak pengurusan yang KOMITED & BERTANGGUNGJAWAB Ada Visi yang jelas Mempunyai pejabat HQ sendiri yang sudah beroperasi LEBIH daripada 5 TAHUN TIADA rekod buruk selama tempoh beroperasi Memiliki lebih 30 staff (FULL TIME) bekerja di HQ Syarikat berstatus Malaysian Super Corridor (MSC) Strong partnership with international companies such as Euro Class Holding, Mezabay & Intersenz WHAT ARE SO SPECIAL ABOUT OUR COMPANY FRAGROW HOLDING BERHAD (860600-T)

8. INTERNATIONAL BUSINESS DIVERSIFICATION MEZABAY CARDTREND INTL INC MOBILE WALLET EURO CLASS HOLDINGS INTERSENZ ASIA PAYMENT SYSTEM ETOP SERVICES SMS BIZ INTERPAY

9. ABOUT US

10. ABOUT US

11. SOLID BUSINESS GROWTH Reward-Ads 2009 Mobile Wallet Sdn. Bhd. (665201-U), 6-6-3, 6th Floor, Block 6, Queen’s Avenue, Jalan Shelley, 55100 Kuala Lumpur, Malaysia. Tel : 03-92056000 Fax : 03-92056111 Email : info@mobilewallet2u.com www.mobilewallet2u.com 2004 STARTED

12. Since the inception, Mobile Wallet Sdn Bhd (665201-U)has gained exponential business growth with the introduction of its mobile commerce technology, its unique marketing business plan and through successful recruitment of a group of enterprising and strong marketing force.With the rapid evolvement of mobile technology, and the expanding base of mobile phone users, we at Mobile Wallet recognized and acknowledge the growth potentials in the mobile commerce industry. Hence forth we strive to develop and build a solid suite of mobile commerce applications, at the same time developing solutions to facilitate and provide a secured, convenient, cost-saving and efficient business transaction module. We call this integrated mobile commerce solution as Mobile Wallet. This mobile technology will leverage on the use of mobile phones as the main tool for any daily mobile commerce transactions and facilities. With MOBILE WALLETs high growth potentials, Mobile Wallet is currently the leading market player for the mobile commerce industry,.hence will continuously invest heavily on R&D to create more value-added services and reinforcing the technology behind the infrastructure to realize the vision of the company. This has gained the confidence and recognition from our investor, MAVCAP Biotech, which is a venture capitalist company under the auspices of the Malaysian Ministry of Finance. Hence, their equity participation has added strength, confidence and corporate recognition to our organization and corporate base.

13. BUSINESS PARTNERS http://www.euroclassholdings.com/

14. MANAGEMENT King K. NgExecutive Director - Chief Executive OfficerMr. Ng is well known in the payments industry in Asia, with over 28 years of experience in building, operating and turning around payments businesses. He joined American Express in 1978 as Country Manager, Malaysia & Brunei. He later became Vice President - General Manager for Malaysia and Brunei before being promoted to Division Vice President - Business Development of American Express' Asia Pacific Australia Division, based in Hong Kong. He was instrumental in building American Express into the leading card company in Malaysia prior to his departure. He left in 1986 to join MBf Group of Malaysia and turned around MBf's card business to become the largest MasterCard issuer in Southeast Asia and the largest issuer in Malaysia by 1993 and the first issuer of Maestro debit cards in Asia. Between 1990 and 1995 he expanded MBf's card business into China and several other Asian countries and was appointed as the President of Card and Payment Services Division. He left to form Interpay International Group, where he introduced the first MasterCard charge card with a chip-based prepaid/loyalty card in Asia, through its joint venture card company in Malaysia, iSynergy. In May 2006, Mr. Ng was appointed to the Cardtrend Board and assumed the position of Chief Executive Officer, and Interpay International Group became a wholly-owned subsidiary of Cardtrend. Mr. Ng was a Director of Maestro International Inc., a subsidiary of MasterCard International Inc. between 1992 - 1995, and served as an Alternate Director on the MasterCard Asia Pacific Board from 1991- 1995. During 2003-2005, he was an independent consultant in MasterCard Advisors, a division of MasterCard International Inc. He holds a B.Sc. (Engineering) degree from University of London and M.Sc. (Administrative Sciences) from The City University Graduate Business School, London. Mr. Ng is a seasoned international businessman who is fluent in English, Mandarin and several Chinese dialects.

15. MANAGEMENT Kok Keng LowExecutive Director - Chief Operating OfficerMr. Low began his career in 1984 with British Steel PLC in Scotland. He then worked as General Manager of MBf Group Technology Division of Malaysia where he was responsible for supporting ICT needs of the Group's finance, insurance and card businesses in Asia Pacific. He then joined Magnate Computers Sdn. Bhd., a Malaysian based IT company providing payment solutions to operators of card business. From 1999 to 2002, Mr. Low served as Asia Pacific Regional Director of Business Development for a New Zealand based company providing card and payment solutions. In 2002, he founded Cardtrend Systems Sdn. Bhd., which developed its own payments, loyalty-rewards and other related systems. Cardtrend is a MSC status company as designated by the Government of Malaysia under its Multimedia Super Corridor Program. In September 2006, Mr. Low was appointed to the Board of Cardtrend and assumed the position of Chief Operating Officer and Cardtrend Systems became a wholly-owned subsidiary of Cardtrend. Mr. Low possesses a B.Sc. (East London University, UK) and a M.Sc. (Lancaster & Strathclyde University, UK) in Operational Research. He speaks fluent English and has a working knowledge of Chinese (Mandarin and other Chinese dialects).

16. MANAGEMENT Thomas WongChief Financial OfficerMr. Wong holds over 25 years of experience in the areas of financial management in payments and loyalty related businesses. He began his career in the payments industry with American Express in 1980, and in 1990 joined MBf Card Services as Manager - Financial Control for the SE Asian Region. In 1996, Mr. Wong joined iSynergy Sdn. Bhd., a joint venture payment card company of Interpay International Group, Ltd., as Senior Manager - Finance. In 2002, he took the job of Finance Manager at AMBank's Card Division. In 2003, he became Vice President - Finance of Interpay International Group Ltd. Mr. Wong was appointed as Senior Vice President - Accounting & Finance of Asia Payment Systems, Inc. in July 2006. On January 1, 2007, Mr. Wong was promoted to the position of Chief Financial Officer of Asia Payment Systems, Inc. Mr. Wong holds a Diploma in Accountancy from the London Chamber of Commerce and Industry Board.

17. MANAGEMENT Tey Yong Qing Chief Executive Officer / DirectorA graduate of Bachelor Acc (Hons) Multimedia University, Mr. Tey Yong Qing received his higher learning education in the Accounting sector in Multimedia University and attained a degree in Accounting in 2006. Being a young graduate, Mr. Tey seized the opportunity and ventured into System Development, Project Management and E-Commerce industry with more than 4 years of proven track records.With his corporate exposure and experience, he inspires the growth of INTERSENZ since its inception to be the leader in the e-commerce industry.

18. HOW WE DO OUR BUSINESS SYSTEM MODERATORS (AUTOMATIC TRANSACTION) 24/7 NON-STOP Pay-per-click ACCOUNT HOLDERS SEARCH ENGINE REWARD ADS 70% Profit Sharing Advertisements Google Yahoo PAY CLICK 30% Profit Sharing

20. USD1000

21. DAILY PAYMENT = USD10

22. PACKAGE PRICE Open Account USD10.00

23. 1 - ADVERTISING INCENTIVE DAILY INCOME STREAM TO YOUR ACCOUNT * 1 Click = USD0.0025 *Termsand Conditions Apply

24. APA PAKEJ PILIHAN ANDA? RETURN ON INVESTMET (ROI) & PROFIT MARGIN ADAKAH ANDA AKAN JATUH BANKRUP DGN HANYA MENCUBA USD100 ?? * 1 Click = USD0.0025 *Termsand Conditions Apply

25. KAEDAH PELABUR BIJAK / SMART INVESTOR NEVER PUT ALL EGGS IN ONE BASKET !!! ??? GAJI BULANAN $3000 TANGGUNGAN KELUARGA RISIKO RENDAH PULANGAN RENDAH JGN TERLAMPAU TAKUT & JGN TERLAMPAU BERANI DUIT BAKI $1000 PENGAGIHAN ASB/UNIT TRUST/ INSURAN SIMPANAN CAIR $200 $500 PULANGAN TINGGI RISIKO TINGGI CASACAPITAL $300

26. DAILY INCOME STREAM TO YOUR ACCOUNT DUDUK DIAM-DIAM DOA-DOA DAPAT DUIT SILVER USD0.0025 X 200 Click USD0.50 X 5 (Monday-Friday) USD2.50 WEEKLY *Termsand Conditions Apply

27. DAILY INCOME STREAM TO YOUR ACCOUNT DUDUK DIAM-DIAM DOA-DOA DAPAT DUIT GOLD USD0.0025 X 600 Click USD1.50 X 5 (Monday-Friday) USD7.50 WEEKLY *Termsand Conditions Apply

28. DAILY INCOME STREAM TO YOUR ACCOUNT DUDUK DIAM-DIAM DOA-DOA DAPAT DUIT PLATINUM USD0.0025 X 1,600 Click USD4.00 X 5 (Monday-Friday) USD20.00 WEEKLY *Termsand Conditions Apply

29. DAILY INCOME STREAM TO YOUR ACCOUNT DUDUK DIAM-DIAM DOA-DOA DAPAT DUIT DIAMOND USD0.0025 X 4,000 Click USD10.00 X 5 (Monday-Friday) USD50.00 WEEKLY *Termsand Conditions Apply

30. CARDTREND SHARE HISTORY 2010 COMPANY PROJECTION = USD3/Share = USD3,000/Lot USD2.26 http://finance.yahoo.com/q?s=CDTR.OB

31. WORLD ECONOMY IS RECOVERING Economy's small drop in 2Q hints recession ending Package CURRENT SHARE PRICE Referral Bonus Data : 27 Aug 2009 http://finance.yahoo.com/q?s=CDTR.OB Data : 27 Aug 2009

32. Share price is climbing up now !!! Package CURRENT SHARE PRICE Data : 1 Sept 2009 Referral Bonus Data : 27 Aug 2009 http://finance.yahoo.com/q?s=CDTR.OB

33. EXAMPLE : FUTURE PROFIT 1 LOT SHARE IS GIVEN AWAY FREE OF CHARGE !!! If Future Price USD3.00/share SELL Net Profit = USD3.00/Share TOTAL SHARE VALUE USD3,000 Current Price USD0.0035/share BUY TOTAL NET PROFIT = ($10/Day x 5 Days/Week x 52 Weeks) - $1000 + $3000 = $2600 - $1000 + $3000 = $4600 (About RM16,000) What if future price goes up to USD20.00/share??

34. Applicant Agreements

35. Withdrawal USD200

36. Withdrawal USD200

37. BUKTI PEMBAYARAN PROCESSING 2 WEEKS Bonus Withdrawal DIRECTLY Credited To Your Bank Account USD200 – 2% = USD196 = RM 196 x 3.00 = RM588

38. 2 - REFERRAL COMMISSION * Base on Sponsor Network calculation *Termsand Conditions Apply

39. 3 - PAIRING BONUS 1 - BV is always waiting until package is bought 2 – BV is flushed on the weak leg & BV is carried forward on strong leg * Base on BV and Placement Network Calculation *Termsand Conditions Apply

40. You Pairing Bonus SILVER Group A Group B X 20% = USD200 X 30 Days USD6,000 Monthly *Termsand Conditions Apply

41. You GOLD Pairing Bonus Group A Group B X 20% = USD500 X 30 Days USD15,000 Monthly *Termsand Conditions Apply

42. You Pairing Bonus PLATINUM Group A Group B X 22% = USD1,000 X 30 Days USD30,000 Monthly *Termsand Conditions Apply

43. You DIAMOND Pairing Bonus Group A Group B X 25% = USD2,000 X 30 Days USD60,000 Monthly *Termsand Conditions Apply

44. 4 - MATCHING BONUS Pairing Bonus * Base on Sponsor Network calculation *Termsand Conditions Apply

45. 5 - DAILY ADVERTISING DEVELOPMENT INCENTIVE Advertising Incentive * Base on Advertising Incentive income calculation *Termsand Conditions Apply

46. 5 - DAILY ADVERTISING DEVELOPMENT INCENTIVE DAILY PAYMENT L1 = $10x2x4% = $0.80 L2 = $10x4x3% = $1.20 L3 = $10x8x2% = $1.60 L4 = $10x16x1% = $1.60 TOTAL DAILY = $5.20 TOTAL WEEKLY = $26 TOTAL MONTHLY = $104 TOTAL 52 WEEKS = $1352 EVERYBODY BUYS DIAMOND PACKAGE = USD1000 DAILY INCOME = USD10

47. Terms & Conditions • For withdrawals, the minimum withdrawal will be set at USD 200. For withdrawals, the company will charge 2% per transaction. • For withdrawals, the exchange rate 3.0 • Advertising Incentive depends on advertising volume. • Advertising Incentive is for Monday to Friday only. • Advertising Incentive is valid 52 weeks only. • 1st - 15th withdrawals, the money will be credited to your bank account AFTER 31st every month. • 16th - 31st withdrawals, the money will be credited to your bank account AFTER15th per month. • Marketing Team will Charge 10% for Clicked Bonus per day – auto deduction • Marketing Team will Charge 30% for Development bonus per day – auto deduction

48. THANK YOU Sesungguhnya Orang-Orang Yang Menang Adalah Orang Yang Terus Bangkit Drpd Setiap Kegagalan BUKAN Orang Yang Menyerah Kalah Dengan Kegagalan !!! www.fragrowholding.com www.liquidgold2u.com FRAGROW HOLDING BERHAD (860600-T)

49. Semuanya Sudah Jelas & Sahih Kenapa Mahu Ditangguh-Tangguh Lagi ??? MULAKAN PENDAPATAN HARIAN ANDA SEKARANG ~ Jangan Sekali-Kali Disia-Siakan Peluang Ini ~