The Value-Added Card With A Competitive Edge

1. The Value-Added Card With A Competitive Edge Wista™: Your money, your way®

2. For Companies Large or Small, Wista Delivers Original Solutions • Wista provides original debit card solutions to a wide selection of successful online companies and merchants. • Wista has the essential depth and knowledge to convey solutions in a fast moving, forceful, and comprehensive global industry. • Wista caters to all aspects of available markets, from online merchants and large corporations, to customized and individual needs. • Our expert team is comprised of individuals possessing a profound and extensive variety of aptitudes from a number of relevant industries, including payment processing, financial services management, secure Internet application development, marketing, and CRM. Wista is a privately held company. • Wista offers a simplified, protected, and flexible online card solution, providing a platform based on magnetic-strip technology, Internet integration and a secure back-end system to manage your money.

3. Our Mission: Focus On The Customer Dedicated To You Wista is dedicated to becoming an industry leader and is built on the principles of flexibility, absolute security and reliability, to hand your financial control back to you, our customers. Wista is committed to place the financial authority back into the hands of individual consumers worldwide. Wista Worldwide Availability Having established special partnerships with trusted, secure, and reliable banking institutions, combined with ATM, POS, and Internet technology, Wista delivers the most robust re-loadable debit card system available today.

4. Wista Services: At Home Everywhere Where You Want Us To Be • This service will provide a cardholder with a way to safely deposit, withdraw, transfer, purchase and, in general, manage funds by virtual banking. • Holding funds in multiple currencies, Wista utilizes the Internet and selected ATM machines worldwide where Maestro, Cirrus and Interac are available. • Wista will provide you with financial freedom in a regulated and restricted online industry, as an affordable, competitive alternative.

5. Products: Powerful And Versatile State-Of-The-Art • Wista will provide you with the most powerful tool to manage your financial affairs online. • A versatile debit card adds to your control the ease of online purchases, with quick and affordable money transfers. • Wista gives you a precise record of and control over spending and also the security of not having to utilize unguarded cash transfers when purchasing gifts for family and friends online. • Wista uses state-of-the-art technology and exclusive Internet back-end to manage your financial affairs. A cardholder may deposit, withdraw, transfer, purchase, and pay bills using the Wista services as a virtual bank. • Holding funds in several currencies, Wista utilizes the Internet, ATM, and POS machines worldwide where Interac, Cirrus, and Maestro are available.

6. Wista Re-loadable Debit Cards Work Harder For Your Customer And You Easy, Fast And Secure • Wista debit cards are easy to use, fast and secure. Upon receipt of a card the cardholder must visit the Wista website to activate their card to ensure the information provided is correct and secure. • Once activated the card and the cardholders enjoy financial freedom through global access. Users enter a personal identification number (PIN), standard with debit cards, at point-of-sale, ATM machines, or on the Internet. • Card holders can track and monitor the day-to-day activities securely using the Internet cardholder interface. Cards can be reloaded online by going to the Wista Website and following clear and precise instructions. • The cards are reusable, multi-purpose, flexible, and secure.

7. Cardholder Benefits Return On Investment • Instant access to your finances • Re-loadable online and offline • Use at any Automatic Teller Machine (ATM), Retailer Point of Sale Terminal or Online at your most convenient website • Secure and affordable money transfers • Detailed tracking of all day-to-day activities • Bank-level security • Friendly, knowledgeable customer service and live support twenty-four hours, seven days a week Stakeholder Benefits • Increase market reach/potential • Online and in-store merchandising • Built-in tracking system • Earned Rewards • Affiliate Commissions

8. How Wista Works It’s Simple… 1 Customer receives card 2 Cardholder visits WistaCard.com and either activates or loads card • Wista debit cards are easy to use. • Upon receipt of a card the cardholder must visit the merchant site or the Wista website to activate their card and once activated the card is ready for use and the cardholders enjoy powerful capability and extreme functionality worldwide. • Users enter a personal identification number (PIN), this is standard with debit cards, at point-of-sale, ATM machines, or on the Internet. Card holders can track and monitor all day-to-day activities securely using the Internet cardholder interface. • Cards can be reloaded online via ACH/EFT transfers, wire transfers and credit card loads. The cards are reusable, multi-purpose, flexible and secure. 3 Cardholder uses ATM for cash withdrawals 4 Cardholder uses POS to purchase globally 5 Cardholder purchases online and tracks all card activity at WistaCard.com 6 Merchants and cardholders get support online and offline 24/7/365

9. Card Loading Online Or In Person • You can reload your debit card using one of the following methods: Deposit to Card Online Deposit to Card in Person Withdrawal from Card

10. Economical, Secure And Safe Applications Robust Stored value cards are one of the most dynamic and fast growing products in the world. Anyone who makes purchases with a merchant gift card, places phone calls with a prepaid telephone card, or buys goods or services with a debit card is using a stored value card. Wista delivers the most robust re-loadable debit card system worldwide. The possibilities are endless for organizations, individuals, and retail merchants and is extremely economical, secure and safe. Agent Payment Travel Cards Money Transfers Reward Programs Family Cards E-commerce Wista delivers the most robust re-loadable debit card system worldwide.

11. Wista Markets And Applications Expanding Possibilities Consumer Merchant Employer Government E-commerce Retailers Individuals Organizations Stored value cards are one of the most dynamic and fastest growing products in the world.

12. Wista Rewards Rewarding You • You will earn a pre-determined amount of Reward Points per successful transaction. • By using your Wista debit card with your favourite merchant, or merely to transfer money to a family member or partner. • These Reward Points can be used in various ways, including the following: • Use our Rewards Catalogue to redeem your points • Exchange your Reward Points to receive amazing discounts from our partnered sites and merchants for high quality products • You can transfer your Reward Points to a family member, customers, or corporate partner to boost their Reward Points, or to pool your resources. • Reward Points can be accumulated for future use, thus making it convenient to save up for a special gift or sharing with customers or corporate partners.

13. Wista Promotions Offering The Most • Wista’s expert promotional department dedicates their time and effort to give all our Wista Card users, the most rewarding offers in the market. • Monthly Rewards. Each month Wista draws a name from a list of our top debit card users who have regularly used their Wista debit card for that month and gives away up to 1,000 points. You have the opportunity to win any and every month by simply using your Wista debit card. • Use Wista and get MORE. Upon your first $50/$100/ $200 spent by using your Wista debit card, Wista will offer the equivalent in Reward Points – i.e.: Spend $50 and receive 50 Reward Points. • Show a friend the “Wista Way” by referring them to sign up for the Wista debit card. Each person that signs up and uses you as a reference, will receive a hearty Wista Welcome, as is the “Wista Way”, in the amount of $10.

14. Wista Partners Partnering Smart • Maestro is an international debit card service; a joint venture by MasterCard and Europay International. Maestro cards are obtained from associate banks and linked to the cardholder's current account. • Cirrus is a network of cash machines which are part of the MasterCard system. If people have a card with the Cirrus sign on it they can take out cash from ATMs around the world which displays both the Cirrus and MasterCard signs. The cash is given out in the local currency and debited from their account in their currency of choice. • Interac Association is a Canadian organization linking enterprises that have proprietary networks so that they may communicate with each other for the purpose of exchanging electronic financial transactions. The Association was founded in 1984 by five financial institutions. As of May, 2003 there are over 110 member organizations and membership continues to expand.

15. Canada: A Growth Market Example Return on Investment • PIN debit is the only form of debit in Canada, and Canadian consumers have embraced this payment method to a much greater extent than their U.S. counterparts. In 2002, Canadian consumers initiated, on average, 76 debit purchases (annually), contrasted with an average of just 21 PIN debit purchases for U.S. consumers. Looking at PIN and signature debit combined, U.S. consumers performed 54 transactions, almost 30% less than Canadians on a per capita basis. • Cardholders performed 76 PIN debit transactions per capita in 2002 (and no signature debit purchases) • Majority of Canadian merchants accept PIN debit; debit used in more merchant categories than in the U.S. • Banks charge fees for check writing (often higher than for debit purchases) • Average consumer fee: C$0.50-0.60

16. 80 70 60 Debit Transactions Per Capita 50 40 30 20 10 0 1990 1992 1994 1996 1998 2000 2002 Canada: A Growth Market Example Return on Investment This level of adoption and rate of growth would only be possible with the underpinning of consumer preference for this method of payment. And the results speak for themselves: based on annual consumer research performed in Canada asking about consumers’ payment preferences, every year consumers have indicated an increasing preference for debit (and a decreasing preference for cash and checks). Total Debit Transactions per Capita, United States and Canada PIN = 76 Signature - 0 76 PIN = 21 Signature - 33 54 Source: Bank for International Settlements

17. Canada: A Growth Market Example Return on Investment Payment Methods Used Most Among ATM Cardholders 70% Cash 60% 50% Percent of Transactions 40% Debit 30% Credit 20% 10% Check 0% 1995 1996 1997 1998 1999 2000 Source: The Strategic Counsel, Interac Association, 2000

18. The Value-Added Card With A Competitive Edge 800 Petrolia Road, Unit #8 ■ Toronto, Ontario M3J3K4 ■ Canada Telephone: 1-416-548-4767 ■ 1-866-900-7060 (toll free in Canada & US)Fax: 416-739-1732 www.WistaCard.com Wista™: Your money, your way®