sales and marketing strategy

_____________________________________________________________________________ 4Electronic Funds Transfer (817) 589-1452 – (817) 589-9428 Fax C:\Documents and Settings\BGT\My Documents\4Electronic Funds Transfer\Training Manuals\Training Manual 012503\E Sales & Marketing 1.14.03.doc 1/25/2003 of 3

4EFT Advanced Electronic Payment Solutions

SALES and MARKETING

Phase I - Current Potential Business Opportunities

The following proposed business opportunities are all in the process of being initiated, committed to or fully qualified. All of them have been pre-qualified with respect to conducting several preliminary discussions regarding the type of program that the proposed organization would like to use the stored-value card to implement. All fall well within the range of the capabilities of the stored-value card functionality and compliance. *Excluded Company names and contacts are highly proprietary and will be disclosed to interested parties in person only.

The probability of doing business with the following list of proposed clients is high;

*Company #1 is ready for a pilot program to test the ease of loading and use of the card for their clientele. The business issues (price, terms & conditions) have been clearly addressed and contract signed. Business issues have been clearly addressed and contract signed. They are ready to submit preliminary marketing materials (shelf hangers, posters and brochures) for recommended changes to proceed with approval. They are one of the largest prepaid phone card company in the U.S. with 15,000 distributors, 225,000 retail locations and 20,000,000 phone card sales last year. Plans include submitting co-branding MasterCard applications for additional card products to be marketed with the appearance of competition and consumer choices.

*Company #2 - Health benefit program with 1.4 million cardholders that will be notified about the debit MasterCard. Card will be used for payroll, provider payment services and business-to-business payment services marketing. Card will be sold through direct sales and referral marketing. Estimated card sales from 1000 to 100,000+ first year.

*Company #3 - One of the largest marketing companies for alternative Electric Company. Currently have over 12,000 sales agents. Card will be used for payroll and sold to retail consumers through network of agents. Estimated card sales from 12,000 to 50,000+ first year.

*Company #4 - An Association for Texas Migrant workers. This Association has direct contact with 500,000+ Spanish workers. Card will be used for payroll and sold through affiliate employers. Estimated card sales from 1000 to 100,000+ first year.

*Company #5 - Spanish version of the NAACP and AARP combined. Currently have over 4.5 million members. Their interest in our card is to benefit members by offering the card at a discount. Card will be used for reducing the high cost of current methods for payment services and transferring funds to family members in Mexico. Card will be sold through various programs. Estimated card sales from 1000 to 100,000+ first year.

*Company #6 - Nationwide Spanish supermarket chain. Over 50+ locations in Texas alone. Card will be used as company payroll and retail consumer sales. Estimated card sales from 1000 to 100,000+ first year. *Company #7 - Supermarket chain. Card will be used as company payroll and retail consumer sales. Estimated card sales from 1000 to 100,000+ first year.



*Company #8 - Novelty and sundry wholesale company with current suppliers of pre-paid phone cards and other items in 50,000+ convenience stores nationwide. Cards will be sold to retail consumers. Estimated card sales from 1000 to 500,000+ first year.

*Company #9 - Network marketing company with over 7,000 distributors. Card will be used as distributor payment services. Estimated card sales from 7000 to 20,000+ first year.

*Company #10 - Network marketing benefits provider with 70,000+ distributors and one-million+ members. Card will be used for payroll and provider payment services. Estimated card sales from 70,000+ first year.

*Company #11 - Network benefits organization with 65,000+ members. Card will be used for distributor payment services. Estimated card sales from 3000 to 65,000+ first year.

*Company #12 - Personal empowerment organization with 3,000+ representatives. Card will be used for distributor payment services. Estimated card sales from 3,000 to 20,000 first year.

*Company #13 - Truck stop and convenience store chain. Card will be used as company payroll and retail consumer sales. Estimated card sales from 1000 to 50,000+ first year.

*Company #14 - Nationwide truck stop and convenience store chain. Card will be used as company payroll and retail consumer sales. Estimated card sales from 1000 to 100,000+ first year.

*Company #15 - Wholesale insurance program administrators. Card will be used for company payroll and to market this card to other insurance companies. Estimated card sales from 1000 to 10,000+ first year.

*Company #16 - Custom business-to-business Website design and sales organization. Currently have 90+ employees and a business customer database of two million customers. Cards will be used for company payroll and marketed through the organization to businesses for payroll services. Estimated card sales from 100,000+ first year.

*Company #17 - Telecommunications services provider. Have over 2,000 wholesale distributors and over 10,000 customers. Cards will be used for company payroll and marketed through the organization to businesses for payroll services. Estimated card sales from 1,000 to 20,000+ first year.

*Company #18 - Benefits and stored value card marketing company. Company is seeking to purchase a stored value MasterCard because the company they are working with cannot provide such a service. Currently have over 1200 distributors. Estimated card sales from 1,000 to 10,000+ first year.

*Company #19 - Telecommunications services provider. Have over 10,000 wholesale distributors and over 200,000 customers. Cards will be used for company payroll and marketed through the organization to businesses for payroll services. Estimated card sales from 5,000 to 50,000+ first year.



*Company #20 - Have over 10,000 independent insurance agents that market their products and services. Card will be used as company payroll and retail consumer sales. Estimated card sales from 1,000 to 20,000+ first year.

*Company #21 - Direct sales and print media marketing planner. Cards will be sold through a variety of media sources. Estimated card sales from 1,000 to 20,000+ first year.

*Company #22 - Health benefit services provider that has over 10,000 current card members. Card will be used for payroll and provider payment services. Estimated card sales from 10,000+ first year.

Phase II – Potential Business Opportunities

The following proposed sales and marketing opportunities are to be initiated during the Phase I Activity. The primary focus for Phase II is the development and introduction of the 4EFT proprietary private branded Stored Value Cards, Debit and MasterCard®. The purpose is to enhance name recognition, ensure stability and solidify consumer/retail presence. Proposed time frame for introduction is 12-14 weeks.

• Development of 4EFT new direct sales business. • Development, training and support of new MSA’s. • Regional and National advertising campaign. • Development of an outside sales team. • Outsourcing controlled marketing campaigns. • Introduction of and conversion to 4EFT Co-branded Stored Value Cards.