1. Prepared for LowerMyBills.com 123Greetings.com, Inc. Mark Laing mlaing@123greetings-inc.com mlaing@123greetings-inc.com October 2006

2. 123Greetings reaches 330Million loyal Users between NOW and CHRISTMAS! 123Greetings.com is the premium social expressions website that touches lives, bridge distances, heal rifts and build bonds. We not only brighten days with that special email, but instantly connect you emotionally to friends and family. What is 123Greetings.com all about?

3. 123Greetings reaches 330Million loyal Users between NOW and CHRISTMAS! 64% predominately female user base Affluent, educated and loyal form the core of our ecommerce target market building an emotional Branding/DR opportunity for “YOU”! Encompassing all age groups Age of average user is 35 Active-Receptive-Emotional user base Our users

4. 123Greetings reaches 330Million loyal Users between NOW and CHRISTMAS! Up to 20 Million unique visitors per month 275,000,000 yearly worldwide unique 20 Million Weekly Newsletter user base 15 Million Branded/DR Stand Alone Email List Up to 11 Million Cards sent per Month Average of 200 Million + Page views per month Reach the Mass Market & Minor Niche Groups Who “YOU” reach

5. 123Greetings reaches 330Million loyal Users between NOW and CHRISTMAS! LowerMyBills.com is a premier free online service for consumers and has grown into the online authority for all Americans to lower their cost of daily living and attempt to extend the best deals on home loans, long distance, cellular service and other monthly expenses. Together with 123Greetings.com's affluent and receptive user base of 330Million, LowerMyBills.com can target the potential customers between now and Christmas. Why 123Greetings.com ? Reach that active 18-24 demo :: Speak directly to that stable market 25-55 :: Reach that loyal generation 55-65

6. 123Greetings reaches 330Million loyal Users between NOW and CHRISTMAS! Geo-Targeting Options  Target your promotions to potential customers by their location – country, state, city, region or postal code  This enables you to identify their location and increase your consumer base

7. 123Greetings reaches 330Million loyal Users between NOW and CHRISTMAS! Site Placement for Leader Board

8. 123Greetings reaches 330Million loyal Users between NOW and CHRISTMAS! Site Placement for Medium Rectangle

9. 123Greetings reaches 330Million loyal Users between NOW and CHRISTMAS! Site Placement for Skyscraper

10. 123Greetings reaches 330Million loyal Users between NOW and CHRISTMAS! Site Placement for Interstitial

11. 123Greetings reaches 330Million loyal Users between NOW and CHRISTMAS! We can enable a user to personalize your greeting card by adding a service Gift Card which will add branding and online revenue Site for Sponsored Gift Placement

12. 123Greetings reaches 330Million loyal Users between NOW and CHRISTMAS! Daily Email Sponsorship

13. 123Greetings reaches 330Million loyal Users between NOW and CHRISTMAS! Stand-Alone E-mail We send out weekly special offers e-mail that contains only advertiser content

14. 123Greetings reaches 330Million loyal Users between NOW and CHRISTMAS!

16. Thank You