Overview 11/9/2018

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 11/9/2018 Confidential

About us The Team Carlos R. Pareja Lincoln I. Smith Blanca A. Smith 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 financial expertise 11/9/2018 Confidential

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 check writing 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 11/9/2018 Confidential

Financial products The Access Account Banks in Latin America & other What does it includes? Target Markets Who can use it? 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 Viable alternative to the Payable Through 1st Customer: Austro Bank of Ecuador 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 Allows users to write checks payable through a bank in the US Bank authorizes or denies the payment Users logon to a Bank’s website and write a check See a detailed presentation? 11/9/2018 Confidential

See a detailed presentation? 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? 11/9/2018 Confidential

Products Prepaid Cards ATM Cards Logo Cards USA London USA Panama 11/9/2018 Confidential

Zygnite International Corp CONTACT US: Carlos R. Pareja (carlos@zygnite.net) Lincoln I. Smith (lincoln@zygnite.net) 11/9/2018 Confidential