1. The Value-Added Card With A Competitive Edge Wista ™ : Your money, your way ®

2. Our Mission Wista is dedicated to becoming an industry leader and is built on the principles of flexibility, absolute security and reliability, to hand your financial control back to you, our customers. Wista is committed to place the financial authority back into the hands of a large number of individual consumers worldwide. Dedicated to you Focus On The Customer

3. Worldwide Availability Having established special partnerships with trusted, secure, and reliable banking institutions, combined with ATM, POS, and Internet technology, Wista delivers the most robust re-loadable debit card system available today. Where You Want Us To Be

4. Services  Virtual banking  Wista provides you with financial freedom  Maestro ®, Cirrus ® and Interac ®  Virtual banking  Wista provides you with financial freedom  Maestro ®, Cirrus ® and Interac ® Where You Want Us To Be

5. Products & Services  The most powerful tool  Versatile debit card  Control over spending  Security  State-of-the-art technology  Holding funds in several currencies worldwide  The most powerful tool  Versatile debit card  Control over spending  Security  State-of-the-art technology  Holding funds in several currencies worldwide State-Of-The-Art

6. Cardholder Benefits  Instant access to your finances  Re-loadable online and offline  Use at any Automatic Teller Machine (ATM), Retailer Point of Sale Terminal or Online at your most convenient website  Secure and affordable money transfers  Instant access to your finances  Re-loadable online and offline  Use at any Automatic Teller Machine (ATM), Retailer Point of Sale Terminal or Online at your most convenient website  Secure and affordable money transfers Features

7. Cardholder Benefits  Detailed tracking of all day-to-day activities  Bank-level security  Friendly, knowledgeable customer service and live support twenty-four hours seven days a week  Detailed tracking of all day-to-day activities  Bank-level security  Friendly, knowledgeable customer service and live support twenty-four hours seven days a week Features

8. Stakeholder Benefits  Increase market reach/potential  Online and in-store merchandising  Built-in tracking system  Earned rewards  Affiliate Commissions  Increase market reach/potential  Online and in-store merchandising  Built-in tracking system  Earned rewards  Affiliate Commissions Return On Investment

9. 1 1 2 2 3 3 4 4 5 5 6 6 Customer receives card Cardholder visits WistaCard.com and either activates or loads card Cardholder uses ATM for cash withdrawals Cardholder uses POS to purchase globally Cardholder purchases online and tracks all card activity at WistaCard.com Merchants and cardholders get support online and offline 24/7/365 How Wista Works It’s Simple…

10. Robust Economical, Secure and Safe Applications Wista delivers the most robust re-loadable debit card system worldwide. Agent Payment Travel Cards Money Transfers Reward Programs Family Cards E-commerce

11. Expanding Possibilities Markets Stored value cards are one of the most dynamic and fastest growing products in the world. Consumer Merchant Employer Government E-commerce

12. Markets And Applications  Retailers  Individuals  Organizations  Retailers  Individuals  Organizations For Everyone

13. Promotions  Wista’s expert promotional department works for you  Wista Monthly Rewards  Use Wista and get MORE  Referrals “The Wista Way”  Wista’s expert promotional department works for you  Wista Monthly Rewards  Use Wista and get MORE  Referrals “The Wista Way” Offering The Most

14. Wista Partners Partnering Smart

15. Payment Preferences In Canada This level of adoption and rate of growth would only be possible with the underpinning of consumer preference for this method of payment. And the results speak for themselves: based on annual consumer research performed in Canada asking about consumers’ payment preferences, every year consumers have indicated an increasing preference for debit (and a decreasing preference for cash and checks). Return On Investment

16. Canadian Customers’ Payment Preferences Source: The Strategic Counsel, Interac Association, 2000 Payment Methods Used Most Among ATM Cardholders Return On Investment 0 0 10 20 30 40 50 60 70 80 1990 1992 1994 1996 1998 2000 2002 Debit Transactions Per Capita Debit Transactions Per Capita PIN = 76 Signature - 0 PIN = 76 Signature - 0 76 PIN = 21 Signature - 33 PIN = 21 Signature - 33 54

17. Canadian Customers’ Payment Preferences Source: The Strategic Counsel, Interac Association, 2000 Payment Methods Used Most Among ATM Cardholders Return On Investment 70% 60% 50% 40% 30% 20% 10% 0% 1995 19961997199819992000 Percent of Transactions Cash Credit Check Debit

18. The Value-Added Card With A Competitive Edge Wista ™ : Your money, your way ®