The Access Account

1. The Access Account

2. Access AccountWhat is it? SECURE VISA reputation Regulations compliance (OFAC, KYC, EDD) FUNCTIONAL VISA Prepaid debit card accepted worldwide SECURE Cards processed by GTP (only VISA certified/authorize processor outside the USA) PRACTICAL Cash withdrawal through ATM worldwide network 24 hours each day SECURE Cardholder must use a PIN (Personal Identification Number) known only by him/her PRACTICAL Purchases via worldwide POS network 24 hours every day PRACTICAL Can be used for purchases through the INTERNET PRACTICAL Card to Card transfer of funds Worldwide PHYSICAL CHECK Available to all account holders who request it eCHECK Payable in US$ through a US bank once it is authorized INNOVATIVE Allows user access to USA Banking System eCHECK Can be requested from any PC at home or at the office worldwide INNOVATIVE A Prepaid VISA Card PLUS Electronic and Physical Check Confidential

3. The Access AccountComplementary Features • Real time crediting and debiting of deposits and purchases to mitigate risk • On line complete transaction history and a detailed activity report • Access to financial networks: STAR, Pulse, Cirrus, Maestro • Loaded using online & over-the-counter banking(local bank branches), selected POS, wire transfer • The ability to direct deposit cardholder’s funds to their account • Telephone access capabilities (IVR) Confidential

4. The Access AccountBank is in control One-stop management for • Enrollment • Registration and activation of cardholders • Activation, loading and reloading Customer satisfaction • Customers can load funds at Bank’s branches • Bank act as local customer service center • Retains customer loyalty Cost reductions • Easy on-line changes to customer’s profile • Single infrastructure to manage & control • Free any-time reports on-line Confidential

5. The Access AccountRequirements • Cardholder must fill out an application with personal data • Name and birthday • Second name – for security purposes • Valid Photo ID (passport, license, etc.) • Address • Customer/Bank must send application to Processor • By Fax or Email • Including copy of the photo ID Through a controlled website and with a private password, it is possible to enter consumer information to activate, load, and reload the Cards Confidential

6. The Access AccountComparison Analysis Payable Through Access Account Access to US Banking Payment of Bills Access to US Banking Payment of Bills eCheck capability plus Physical Checks Check Book Available Limited No. of Branches Transactions via Teller only Worldwide ATM & POS access Cash ($$) withdrawals Purchases Every day Worldwide Demands Minimum Bal. Cost of US$38 per month NO minimum Balance req’d US$15/month maintenance Or minimum Balance Confidential

7. The Access AccountPrice Comparison Confidential

8. The Access AccountPlanning Add new features to the Access Account based on customers’ requests and experience The Future Increase functionality of eChecks and physical checks to meet customers’ growing demands 2006 Launching of our first version of the Access Account, including echeck and physical check capability 2005 Confidential

9. Writing Checks with the Access Account Confidential

10. The Access AccountWriting an eCheck Step One: How to write a check (eCheck) • Cardholder logon to the processor web site • Cardholder selects “Write Check” from menu • An interactive echeck appears with how-to-fill instructions Step Two: fill information • Cardholder completes eCheck, including mailing address for payee and delivery instructions (standard or overnight) • The website checks cardholder’s balance to cover eCheck + fees • If there is not enough funds in cardholder’s account, cardholder is advised and encouraged to load funds and reinitiate transaction Step Two: issuing/mailing the check • If enough funds, cardholder is advised that eCheck is being issued • Website initiates a C2C transfer from cardholder’s account to a processor’s account set up for this purpose • Processor produce and mail the check. Checks are written against a processor’s bank account, established for this purpose Confidential

11. The Access AccountInformation on Check Bank will change Header 1 (may be another Bank name) Header 2 (“AS PAYABLE THROUGH”) Bank Name Bank Address Line 1 Bank City, State, Zip Name of Payor Issuing Company/Person will change Check Number Unique Identifier for Check. Payment of Draft ID Header Line 1 Header Line 2 AMERICAN BANK AND TRUSTONE WARREN DRIVE TULSA, OK 80906 Global Client Solutions, LLC DISBURSEMENT ACCOUNT 3500NW 85th Ave Miami, FL 12345-678 Check Amount DRC Client ID Memo Line 1 Memo Line 2 Memo Line 3 Name of Payee Address Line 1 Address Line 2 City, State, Zip Code Check No. in MICR code Routing Number MICR Bank Account Check Amount • Red Text is generated by processor for each run • Green Text is generated by processor for each check • Blue Text is created by check printing software from passed in information Confidential

12. The Access AccountEnvelope for eCheck The check will be placed in two window envelopes, as indicated below Window for “FROM” Address Issuing Company or Person will decide which name to use here Global Client Solutions, LLC 3500NW 85th Ave Miami, FL 12345-678 Name of Payee Address Line 1 Address Line 2 City, State, Zip Code Window for “TO” Address GE Financial Services PO Box 12345 Atlanta, GA 12345-5678 Confidential

13. The Access AccountWriting a Physical Check How to write a physical check • Customer writes a check from his/her checkbook • Customer sends check to beneficiary • Customer must register the check on the bank’s web site Compensation Process • Beneficiary receives check and proceeds to use it • Check goes to payee bank American Bank & Trust (ABT) • Payee bank American Bank & Trust (ABT) process the document Final Process • ABT proceeds to pay the check inmediately ifa) there is sufficient funds available andb) the check has been registered in the bank’s web site • If the check has not been registered, ABT needs to send an electronic image of the check to the bank requesting authorization to pay • All reports are upadted for both bank and customer to review Confidential

14. The Access Account Pre-Paid Debit Card Confidential

15. The Access AccountGeneral Flow CLIENT Fills application and delivers with copy of required documents (passport or other) Receives/Activates card. Can verify his activities through Internet or IVR Cardholder withdraws vía ATM, purchase via PoS/Internet and write echeck or pchecks BANK Verifies information, sends to processor. Opens settlement account w/processor • Establish withdraw limits for its clients • POS * ATM • Checks • Transfers Sends cards to Bank or directly to card holders GTP VISA (PROCESSOR) Credits funds to settlement account; from this account transfer funds to sub-accounts as required by bank Receives information creates and register cards/accounts in its System Transactions are verified approved and register by issuing bank/processor. Reports are updated Sub-Account Confidential

16. The Access AccountExample of Settlement Bank assigns $1,000 to each client Settlement Account with Processor Transfer $4,000 Client $1,000 Client $1,000 Issuing Bank Client $1,000 • No minimum balance. No “o/n” • Funds must be available in each client’s account before use • Easy to manage (on line) • Instantaneous funds transfer Client $1,000 Confidential

17. Global Technology Partners

18. Global Technology Partners • Global Technology Partners (GTP) is owned and operated by founders of FSV Payment Systems, a leading stored value processor in the United States • GTP is a VISA certified processor focused on providing stored value prepaid debit card services throughout Latin America • GTP operates a secure, real-time, regulatory compliant processing platform located in Panama that utilizes state-of-the-art technology Confidential

19. GTP Network Diagram Confidential

20. The Access AccountContact Information Lincoln I. Smith email: lincoln@zygnite.net Cel. 305 776 0566 Carlos R. Pareja email: carlos@zygnite.net Cel. 305 632 2241