1. Payroll Program

2. Introduction Andean Marketing Group envisions a very successful and profitable source of revenue for all new employers who choose our Payroll Program Solution. Andean Marketing Group is aware of the needs required by both the employees and employers and will always deliver an efficient and reliable product to both. The sole purpose of this program is to allow those hard working Americans without checking accounts, the opportunity to remain without a banking relationship while eliminating the loss of money during the check cashing process. This Payroll Program will also assist cardholders in sending money back to family members in different countries at very small rate.

3. Program Description Payroll cards are a cost effective and more secure alternative compared to storing, printing, cutting, and mailing paper checks. The payroll card is loaded with the value of the employee’s wages, allowing the cardholder to use the card at ATM or POS terminals anywhere and anytime in the world

4. Program Overview Access to account balance, transaction detail and other account related administration features is based on account ownership. Payroll cards are owned by the Employee, the Distributor has no access to account balance and transaction details. The distributor can only order payroll cards and obtain direct deposit information.

5. Payroll Card Forecast

6. Employees Input When employees were asked in a survey whether or not they would accept a payroll card rather than a paycheck, 90% said no. After a 90 day pilot they were asked if they wanted to change back to a paycheck and 90% of the employees chose to stay with the payroll card due to its reliability and efficiency!

7. Employee Benefits Convenience  Pay deposited automatically into payroll card account  24x7 access to funds  No need to be present to collect paycheck  Enables to make telephone or mail order purchases  Enables to make pay-at-the-pump purchases  Allows for purchases and utility payments through the internet  Making reservations at a hotel or car rental Value  Avoid paying check-cashing fees  Cash-back at the register at grocery stores and many discount chains, with no fee  Money safe if the card is lost or stolen Prestige  MasterCard® or Visa® card empowers the cardholder  Uplifts employees status. Dignifies them socially!

8. Employer Benefits Operational cost savings  Eliminate check inventory costs  Reduced check handling costs  Reduced check fraud & stop payment costs  Reduced lost check replacement costs Productivity benefits  Reduce time lost to employees leaving work to cash checks  Reduce manager/supervisor time spent on check distribution Indirect benefits  Safer for employees than checks  Provide access to MasterCard® or Visa® card  Improved employee retention

9. Payroll Card Statistics Some recent statistics provided by the American Payroll Association (APA) validate this shift towards payroll cards: 40% of the working public do not have a bank account More than four (4) million paychecks are lost or stolen each year (American Payroll Assoc.) The average customer yearly will spend $400 to $500 to maintain their checking account Lost paycheck replacement costs are estimated to be $48 million annually (American Payroll Assoc.)

10. More Payroll Card Statistics The prepaid debit card market will grow from 6.3 million in 2002 to 38.7 million in 2007. (Tom Miezejeski, analyst, Pelorus Group) Companies can save up to $1.25 per payment using electronic disbursement instead of paper checks (www.directdeposit.org)(www.directdeposit.org) The chances of having a problem with a check is 20 times greater than with Stored Value Cards (www.directdeposit.org)(www.directdeposit.org) Studies show that employees may spend the equivalent of three (3) working days each year going to the bank (www.directdeposit.org)(www.directdeposit.org

11. Employers Benefits Information An American Payroll Association poll found that employers would be motivated to implement a payroll card program primarily in order to benefit employees (73%) Other reasons include to reduce costs (61%) Improve logistical efficiency (48%) Reduce payroll check fraud (38%) There is less risk of theft when employees can't lose their checks. The PIN-protected card is an added security feature for the employee, as well.

12. Employee and Employer Benefit example Employers will not have to allow employees to leave work early in order to cash their checks Employees will no longer have to wait in line to cash their checks

13. International Card to Card Transfers 39.9 million Hispanics in the U.S. in 2003 – grew to 57% from 1990 to 2000 Very family oriented culture - $38 billion remitted to Latin America – 75% was by immigrants in the U.S $926 billion spending power by 2007