2What Is IBOTrade Commerce Bank Card? The IBOTrade Commerce® card is a true bank-issued, PIN-based ATM card accessibleUnsurpassed global acceptance in more than 200 countries around the world1+ million ATMs for cash accessFaster/easier service to everyoneThe perfect card for international trade “real time” purchases
3IBOTrade Commerce® card Benefit The IBOTrade Commerce® card is the preset amount card – not a credit cardProvided locally (in the region) by our local partnersNo credit checks or applications required – everyone qualifiesNo credit fees, overdraft charges, late fees, or interest charges are ever added – everyone is approvedManages expenditures effectively - only the amount loaded on the card is available for purchases or cash withdrawals
4How Does It Work?The cardholder has access to only the amount of money (or the remaining portion after transactions) stored on the cardThe card works like a debit cardToday's safe, convenient, and flexible way to manage spendingProvides front and back-end support servicesFDIC Insured up to $100,000 per card. You may manage up to $100,000 per card issued. USA ONLY. International Banking Laws apply
5Small Business, Commerce and Money Transfer Markets The IBOTrade Commerce® card principal products and services:Developed for small businesses and customers that needed payment solutions for:International Trade and CommerceMoney Transfer TransactionsBusinesses adopt IBOTrade Commerce® card for payment:A need to receive money immediately and securelyCollect money as merchandise is soldFor international travel and transactions.The most secure method to pay both for the recipient and the company.
6Appeals to International Travelers IBOTrade Commerce® card is the solution to travelers without credit or income qualification through IBOTrade Commerce® Banking Partners InternationallyAbility to pay in case of emergencyMake purchases at locations worldwide that accept IBOTrade Commerce® cardMake cash withdrawals from over one million ATMs worldwideNo more check-cashing fees or trips to the bankNo risk to the issuer
7Appeals to TeensIBOTrade Commerce® card is the powerful solution to teenagers and college students without credit or income qualificationMake purchases at bookstores, videos and music, groceries, locations that accept IBOTrade Commerce® cardSafer than cash – the card can be replaced if lost or stolenMake cash withdrawals from over one million ATMs worldwideNo more check-cashing fees or trips to the bankNo more time spent waiting in line
8Transfer Funds by Phone or Internet Principal feature is the ability to transfer funds in real time from any IBOTrade Commerce® card to any other IBOTrade Commerce® card using:Touch tone telephoneThe InternetOur local Partner Bank in your CountryCan deposit funds on the card and transfer them to another card in the hands of another individual or family member in another part of the country or world.The funds can be withdrawn at a local ATM machine. This feature provides an effective and expedient way to securely send moneyCardholders can transfer funds from their card to a legitimate bank account.
9Advantages Over Logo Debit Cards The IBOTrade Commerce® card has several advantages over a Visa/MasterCard logo debit card:A Visa/MasterCard® logo debit card, while issued with a PIN, may be used like a credit card, i.e. without a PIN requirement. This means a stolen card or even the card number and expiration date can allow the entire card account funds to be accessed.The IBOTrade Commerce® card is PIN protected in all cases, and, without the PIN, is merely a piece of plastic, making the IBOTrade Commerce® card more secure than a Visa/MasterCard® logo debit card.Because of the idiosyncrasies of the credit card network, and the credit card authorization and settlement timings, a risk of account overdraw is always present with a Visa/MasterCard® logo debit card.The IBOTrade Commerce® card is a real-time attachment of funds and cannot be overdrawn.A lost Visa/MasterCard® logo debit card requires the cardholder to immediately call to cancel the card. Times may vary, but the card balance may take up to two weeks to be recovered.The IBOTrade Commerce® card can be replaced within 3 business days (US Customers ONLY) if lost or stolen, and, during this time, the cardholder knows his funds are still secure. If the cardholder has another IBOTrade Commerce® card, a card-to-card transfer service provider can move the lost card balance to the second card. International customers will be advised by our local Banking partner of the time replacement in their market – country or region.
10No Need to WaitThe IBOTrade Commerce® card can be personally embossed or distributed by number only.Our International Partners issue a card immediately without waiting through a fulfillment cycle, simply by having a supply of cards on hand ready to load at our local Partner IBOTrade Commerce® Bankcard issuer.Secondary card with name embossed can be picked up at a lower cost
11The Future is NowIBOTrade Commerce® card makes the IBOTrade Platform the right way to trade for the real-time trading of the future. The reason for that belief is because of the following characteristics:Consumer BenefitsMerchant Benefits
12Consumer BenefitsAll the convenience of a bankcard for persons currently having no banking relationshipsAccepted at gas stations, supermarkets, department stores, restaurants and places of entertainment and our approved Trading PartnersBenefits of not carrying cash with the convenience associated with bank account holdersFacilitation of instant transfer of funds to another card holder at a much lower cost than that of current optionsSecurity of a PINBalance recovery by cardholder in case of lost cardImmediate anytime access to account information via the IBOTrade Commerce® web site or telephone and our local Partner.
13Merchant Benefits Real-time attachment of funds No charge-backs Lower rates than other forms of paymentsIncreased market shareZero risk
14KEY REVENUE STREAMSOUR BANKING PARTNER will reap these rewards by partnering with us:EXCLUSIVE PARTNER IN THE REGION!Profit per card distributedStrong percentage (%) share on residualsShared % on Loading FeesFirst-Right-Of-Refusal to be Settlement Bank in the region.
15Goal of this Proposal?Ensure our PARTNER BANK understands the IBOTrade Commerce Card solutionIdentify how we can work together with you as our partner in your regionAgree on Alliance and % share as Banking Partner and Driver of this product in the regionDraft contract to work togetherSign contract and secure inventory of initial 10,000 IBOTrade Commerce Cards to get started immediately vs typical minimum initial requirement of 50,000 cards
16Jurisdiction of Operation REGION:Per our definition, the region we propose to include the following countries: (We include all countries negotiated in your region)Please note: This “region” proposed will be solely based on success produced in PARTNER BANK in the first quarter of our business relationship.
17GET STARTED! WHAT IS NEEDED TO GET STARTED? Agree on cooperation and sign Contract between our PARTNER BANK and our USA firm, Trade Portal of the Americas, LLCSecure INITIAL INVENTORY of 10,000 cardsStrategize Method of Operation in your countryIMPLEMENTATION!