Chex Card International Payroll Services

ChexCard® Corporation is run by some of the most experienced and qualified people in the payments industry with a track record of success in new product development, established banking relationships, credit card association approval and superior sales and marketing ability:

1. Corporate History – ChexCard® Corporation is the expansion of a credit card acquiring company originally founded in 1990 that has remained in continuous operation. ChexCard® has become a leader in marketing numerous solutions for clients in various Stored-Value card applications. The combined 100+ years of professional experience of ChexCard® management and associates is unparalleled in this field. Though ChexCard® has been a closely held company, to date ChexCard® has issued in excess of 700,000 cards World Wide. In addition, ChexCard® has recently entered into an agreement with an International Company that transfers in excess of $1.2 billion per year. ChexCard® is also in negotiations to provide Stored Value card systems for numerous government programs in more than a dozen foreign countries. ChexCard® maintains offices in the

United States

, Latin America and Europe. Since 2001, ChexCard® has seen the completion of its product planning and development to launch a powerful suite of related and integrated electronic banking products including:

O A stored value Visa card with virtual bank account for issuance to residents and or employers of foreign countries

O A unique and exclusive electronic payroll system that allows for employees to be paid and have access to their funds anywhere in the world in real-time.

O A domestic stored value MasterCard® for the “unbanked” or “underbanked”

O Numerous MasterCard® card programs custom tailored to meet a wide variety of clients needs.

O Numerous other programs and services found in our services section of our website.

2 Established Reputation – ChexCard® Corporation has long standing experience in marketing credit card services. Our reputation with banks, the credit card associations and processors is based on their long-term association with ChexCard® and the founding principals. Compared to other companies in our business, we have a much longer track record especially in the launching of new electronic funds transfer products and services.

3 Marketing Alliances – Our marketing alliances are with industry leaders in their fields who already have built-in customer bases into which they are selling our products. We can achieve fast, high levels of sales without deploying our own field sales force.

4 Pioneer in “Stored Value Cards” – Competing products are known as “prepaid ATM debit cards” because they are limited to PIN-based cash withdrawals and purchases at the limited number retailers who accept ATM debit cards. Many of ChexCard®’s programs are “stored value cards” with high consumer utility with purchasing power like that of a credit card.

U.S.

Sponsoring Banks – We have signed a number of

U.S.

banks to sponsor our various domestic card programs and to provide depository functions.

O Security Bank located in Lubbock, Texas provides the platform for retail card loading on many of our various card programs.

O Innovative Bank located in Oakland, California provides depository accounts for many of our payroll card programs.

6 Off Shore Banks – We have signed a number if off shore banks to sponsor our various international card programs and to provide deposit accounts for various international card programs.

Conservative estimates by PWC and others indicate a total market over 80 million. This does not include “banked” employees and others who participate in ChexCard® as an alternative to an expensive credit card or as a supplement to their regular bank account.

1 Ethnic Marketing – ChexCard® is working with groups supporting African-American and Hispanic causes who are committed to empowering these groups which are at least 50% unbanked.

2 Large Employers – Ford Motors in Detroit alone has over 42,000 unbanked employees. Employers of all sizes can save substantially by using ChexCard®.

3 Teens – An alliance with a leading career education network will distribute 2.5 million cards in 2007 and projected to distribute 5 million more in 2008.

4 Students & Military – Our marketing programs for these groups use campus bookstores and the PX as a distribution point.

5 Religious – We are working with faith-based groups who believe that debit is a sin. ChexCard® reduces consumer debt while retaining credit card purchasing convenience.

6 Retail – ChexCard® is currently working on retail card programs and will launch late 2007.