2. Bill Paying Solutions (BPS)

3. 11/12/2006Confidential Specially designed for your Clientele Bill Paying Service –Payments such as: Electricity, Maintenance, Providers, Retail Stores and any other payment in US Dollars –Timely payments service in the USA –Bank account not required –Competitive Fees Outstanding top quality customer service –Physical offices located in Miami, Florida –Personalized Customer Support

4. 11/12/2006Confidential Benefits Assurance of execution of payments as requested by the client Efficient, Accurate and Timely service Paperless processing Information maintained in a confidential basis Expertise –Strong international banking background –Solid customer service experience A DDA is not required –Funds of Clients reside with the Bank –Payment will be executed upon receipt of funds

5. 11/12/2006Confidential How does it works? BANK send payment(s) request(s) from client(s) to SPG Miami SPG Miami proceeds to pay as per received instructions Check from SPG Acct Payee Payee(s) Banks client request payment(s) to be made

6. 11/12/2006Confidential Requesting a Payment Step 1: the Client Client request payment to Bank through Set up Form (click to see)click to see Client provides: copy of bill or statement showing amount to be paid, payee name, account number and due date Client makes funds available to Bank Step 2: the Bank Bank sends payment(s) request to SPG Miami using a Set-up form for each Client via email, fax or regular mail with copies of bill or statementSet-up form Bank must make funds available to SPG Miami in order for SPG to proceed with requested payment(s) at least five (5) days prior to due date of each payment Step 3: SPG SPG Miami sends requested payment to each payee or provider, as per received instructions SPG Miami sends a Payment Detail (Click to see) and Statement (click to see) for each client to BankClick to seeclick to see Bank provides both Payment Detail and Statement to each client

7. 11/12/2006Confidential Price Comparison PAYABLE THROUGH BPS CostsUS$CostsUS$ Monthly Maintenance38.00Monthly Maintenance9.95 Checks & Checkbooks Checkbook (25 checks)19.00 Checkbook (25 checks)Not Required Cost per transaction1.19 Cost per transaction/payment6.50 NSF Check32.00 NSF CheckNot Applicable Stop Payment15.00 Stop PaymentNot Applicable MRB (Minimum Required Balance) 350,000.00MRB (Minimum Required Balance)Not Required Minimum monthly charge6,000.00Set-up Fee per customer25.00 Implementation Fee (Bank) 7,500.00 Access to System (monthly)300.00Electronic Statement and DetailNo Charge

8. 11/12/2006Confidential Requirements Signed agreement (click to see) by Bank, includingSigned agreement (click to see) by Bank, including:click to seeclick to see –Number of Clients –Set-up form (click to see) for each Client click to seeclick to see –Customer Profile (click to see) and copy of Photo ID for each Client click to seeclick to see –Waiver (click to see) signed by Client click to seeclick to see SPGSPG will identify and assign a control number to each client. Funds must be received five (5) days prior to payment due date to: –SPG Consultants & Intermediaries LLC Bank of AmericaBank of America ABA 063100277ABA 063100277 Account 004435732583Account 004435732583 SPGSPG will send email or fax with Payment Detail (click to see) and Statement (click to see) for each clientclick to see

9. 11/12/2006Confidential Contact Information Lincoln I. Smith email: lincoln@zygnite.net Cel. 305 776 0566 Carlos R. Pareja email: carlos@zygnite.net Cel. 305 632 2241 9737 NW 41 st Street, No. 480 ~ Doral, Florida 33178 Tel (786) 206-1146 ~ Fax (786) 375-5508