Overview

1. Overview

2. About us • 2003 • Incorporation of Zygnite International, Corp in Miami, Florida, • Creation of eBay web site through which Zygnite gained a 99.7% positive references • 2004 • Incorporation of pre-paid products, including debit cards with international acceptance • VISA • MASTERCARD • First sale of pre-paid debit cards to a local distributor • 2005 • Founder partners Carlos R. Pareja and Lincoln I. Smith decided to add two new partners and change the name to SPG Consultants & Intermediaries, LLC which is more adequate to the company activities • The company launched its signature product: The Access Account and the Bill Payment Solution (BPS) • Oriented to Banks and Banks’ clients • A sound alternative to the “Payable Through Program” • 2006 • First contract signed with a Latin American Bank for the installation of an Access Account program Confidential

3. About us • The Team • Carlos R. Pareja • Former Area Director of Cisco Systems, Inc. in Mexico City, Mexico • Extensive administrative, telecomm experience • Master in business administration • Lincoln I. Smith • Former Sr. Vice President of Barclays and Hemisphere National Bank • Extensive and Solid International banking experience • Excellent reputation in the banking arena in Latin America (specially with the “Payable Through” program) • Blanca A. Smith • COO of PRS International • Extensive administrative & consulting experience • Extensive financial experience • Carlos Gonzalez • Senior VP of PRS International • Extensive administrative & consulting experience • Extensive financial expertise Confidential

4. Goals • Create Programs/Services to complement our offer of Products and Services • Sale of Prepaid Cards through distributors and private companies both in the USA and abroad • MTS and others • Create an alternative solution to the Payable Through Program currently in risk of phasing out • The Access Account, a pre-paid product concept with checkwriting capabilities • Addressed to a known population of Latin American Banks • Flexible and low cost • Create a Bill Paying Solution (BPS) service • Addressed to qualified Banks and Banks’ clients • Flexible, low cost and personalized service are key Confidential

5. Financial products The Access Account What does it includes? Who can use it? Target Markets Benefits/Experience VISA Debit Card eCheck writing Banks in Latin America & other countries Bank’s clients with a need to access the US Banking System 1st Customer: Austro Bank of Ecuador Viable alternative to the Payable Through Can be used Worldwide in ATM, PoS & Internet Visa International Debit Card Any place where VISA is accepted Within 24 hours the check is mailed to payee Users logon to a Bank’s website and write a check Allows users to write checks payable through a bank in the US Bank authorizes or denies the payment See a detailed presentation? Confidential

6. Financial products Bill Paying Solutions Designed for Customers of Banks in Latin America Personalized Service at Low cost With a need to Pay bills in the USA • Utilities • Telephone • Dept. Stores • Any other See a detailed presentation? Confidential

7. Products Prepaid Cards ATM Cards Logo Cards USA London USA Panama Confidential

8. Zygnite International Corp CONTACT US: Carlos R. Pareja (carlos@zygnite.net) Lincoln I. Smith (lincoln@zygnite.net) Confidential