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					                     SelfBank Mobile
                         Corporate Presentation




Private & Confidential                            1
                            Our Company
      • The SelfBanking and Financial Intelligence Group Inc. (SBF)‫‏‬
      • Founded in Sept. 2006 in Montreal, Quebec, Canada
      • Our offices are located in Montreal, Quebec & Dallas, Texas
      • Doing Business in Global Markets
      • Markets with revenues totalling $100+ Trillion Annually

                         Company Divisions
                                SelfBank Mobile


                                SelfBank Rewards


                                 Meet Franklin

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                          Corporate Website
                         www.SelfBankFinancial.com




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                         Replicated Affiliate Website
                             www.SelfBankMobile.com




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                         M-Commerce Social Utility
                             www.MeetFranklin.com




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                                    Market Overview
            M-Commerce, Mobile Banking & Payments
            •     Currently has only 1.2% global penetration
            •     Banking and Payment industries = $75+ trillion globally
            •     M-Commerce said to be 10 times bigger than E-Commerce, which is
                  currently processing online $14 trillion per year


            Online Social Networking
            •     Social Networking is phenomenon that has changed the way we socialize.
            •     Fox in 2005-2006 buys Myspace.com for $580 million.
            •     Google in 2006-2007 invests $900 million for an exclusive advertising deal.
            •     Microsoft in 2007 invested $240 million dollars for 1.6% of Facebook.com,
                  giving Facebook.com a $15 billion dollar valuation


            Telecommunications
            •     Currently a multi-trillion dollar industry globally
            •     Mobile Phones = +30% per year global growth



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                  Global‫‏‬Problems‫‏‬That‫‏‬Exist‫‏‬Today…
   • Identity Theft is at a all time high!

   • Credit & Debit Card Fraud is at a all time high!

   • High consumer transaction fees!

   • High merchant interchange processing fees!

   • Over 50% of people in under developed countries do not have a
     bank account!
   • Over 30% in developed countries! This represents 3 billion
     people or more worldwide!
   • Current credit system sets you up for failure with extremely high
     interest rates and Student and or youth acquisition programs!



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                         SelfBank is THE Solution…
        SelfBank Mobile Account
        •     Mobile banking and payment solution

        •     Has enhanced digital security, authentication and processing
              features

        •     Designed for the banked and un-banked mobile phone users
              (worldwide)‫‏‬
        •     Users can make bill payments, do mobile banking, make P2P
              transfers and make retail purchases using their cell phones.

        •     Designed to integrate to credit, debit(Interac), and stored value
              cards, as well as your current bank accounts for loading.

        •     SelfBank Mobile customers can also load their accounts at
              participating Merchants.



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                          Featured Highlights
   •     Technology Is hardware and carrier independent

   •     Connects to your bank accounts and or credit cards for loading and
         transfer options.
   •     100% Identity theft proof & Secure. No financial data is stored on your
         phone. Is a Pin based solution. 128 bit encryption and higher.
   •     Built-in cash back consumer loyalty program. (SelfBank Rewards
         Club)‫‏‬
   •     Send P2P money transfers instantly, globally** at a fraction of the cost
         (Western Union)‫‏‬
   •     Ability to donate a % of cash back rewards to charity ($ that usually
         goes to the banks)‫‏‬
   •     Integrates into online social networks (Facebook.com, Myspace.com,
         Hi5, Orkut) You can Buy and Sell items right off your user profile. (M-
         Commerce Social Utility called Meet Franklin)‫‏‬
   •     Refer all your friends and get paid through our affiliate program.
   •     Worlds first FREE* banking and payment system that is personal and
         social.
Private & Confidential               ** Only in Countries where available   * free if leverage cash back and referral program   9
      2 Types of SelfBank Mobile User Accounts
              1 SelfBank Mobile User Account
                     •   Sign-up Fee = FREE
                     •   Monthly Fee = FREE
                     •   M-Commerce Transaction Fee = FREE
                     •   SelfBank Rewards Club Membership = FREE
                     •   User to User Money Transfer Fee = 0.10 cents per transaction

              2 SelfBank Mobile VIP User Account
                     •   Sign-up Fee = FREE
                     •   Monthly Fee = $3.95 per month (taxes included)‫‏‬
                     •   M-Commerce Transaction Fee = FREE
                     •   SelfBank Rewards VIP Club Membership = FREE (receive 50%
                     more Cash Advance Rewards with your VIP membership status at
                     participating merchants.)‫‏‬
                     •   User to User Money Transfer Fee = FREE

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                SelfBank Mobile Merchant Accounts
              SelfBank Mobile Merchant Account Details
                     •   Sign-up Fee = FREE
                     •   Monthly Fee = $49.99* per month + applicable taxes ‫‏‬
                     •   Merchant Interchange-Processing Fee = 1.5%**
                     •   Transaction Fee (m-Commerce) = FREE
                     •   SelfBank Rewards VIP Club Membership = FREE
                     •   Minimum Discount to SelfBank Rewards = 1%***
                     •   User to User Money Transfer Fee = FREE


   *$49.99 = is charged to cover the cost of maintenance, tech support, servicing of your online
   SelfBank Mobile merchant account, online affiliate sales training program and free access to
   corporate & business merchant events sponsored by SelfBank Mobile.

   **1.5% = rate is subject to change, but the rate you sign-up at will never increase, only decrease.

   ***1% = is the minimum discount that must be given to all SelfBank Mobile Users and Merchants
   who purchase products and or services from your location. The recommended discount is 3%+.

   *refer 5 other Merchant Accounts and your monthly fee will be waived!!!
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                         User Benefits Highlighted
 •      Buy items using your mobile phone or PDA.

 •  No credit? No problem. Everyone is pre-approved for a SelfBank User
 Account.

 •    Send Money to family and friends using your mobile phone or PDA at a
 fraction of the normal cost.
 •   All you need is a mobile phone or PDA that can send text messages (SMS)
 or access the Internet (WAP).
 •      Pay ZERO transaction fees when makes purchases using M-Commerce.

 •   Spend your Cash Advance Rewards on all your purchases made at
 participating SelfBank Rewards Club Merchants.

 •      You can leave your wallet at home and take your money mobile!!!




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                         Merchant Benefits Highlighted
 •      All SelfBank Mobile Accounts have a built-in Merchant Account
 •       Everyone is Pre-approved
 •       100% No charge backs guaranteed!
 •       Instant depositing of funds!
 •       Only 0.5% to 1.5% interchange processing fee!
 •   Built-in cash back consumer loyalty program. No need to pre-purchase
 points or miles like other programs, its FREE!
 •    Gain a competitive edge over others who do not accept it. Be amongst the
 first merchants to accept M-Commerce payments in your area.
 •   Participate in the SelfBank Mobile Affiliate Program by referring other
 Merchants and Users to the program.
 •    Start earning Equity and Net Profit Sharing within our company now and
 the ground level.
 •    Profit from all the purchases made by your Referred Users, even when they
 shop at other Merchants, even your competitors.



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                                                               Competitors
             North America                                                                Outside North America
              Paypal           -Not targeting brick and mortar merchants- Safaricom -ONLY in Kenya
                               Only online                                          -Have to be Safaricom mobile phone
                               -(No POS integration)‫‏‬                               -Not targeting brick and mortar
                               -- No Social Network Integration                     merchants- Only online
                               -- No Cash Back Loyalty Program                      -(No POS integration)‫‏‬
                               -- No direct Sales Agent Affiliate Program           -- No Social Network Integration
                               -- limited‫„‏‬duck‫‏‬tape‟‫‏‬mobile‫‏‬piece‫‏‬                 -- No Cash Back Loyalty Program
                               -- no SMS payment support- must have                 -- No direct Sales Agent Affiliate Program
                               web enabled phone
             Obopay            -Not targeting brick and mortar merchants as G-Cash  - ONLY in Philippines
                               payment solution
                                                                                    -Not targeting brick and mortar
                               - No POS integration                                 merchants- Only online
                                - No Social Network Integration                     -(No POS integration)‫‏‬
                                - No Cash Back Loyalty Program
                                                                                    -- No Social Network Integration
                               -No direct Sales Agent Affiliate Program
                                                                                    -- No Cash Back Loyalty Program
                                - limited in USA only
                                                                                    -- No direct Sales Agent Affiliate Program
                               - No Merchant Program
             ClairMail           -Not targeting brick and mortar merchants Wizzit   -ONLY in South Africa
                               as payment solution                                  -Not targeting brick and mortar
                               -No POS integration                                  merchants- Only online
                               -- No Social Network Integration                     -(No POS integration)‫‏‬
                               -- No Cash Back Loyalty Program                      -- No Social Network Integration
                               -- No direct Sales Agent Affiliate                   -- No Cash Back Loyalty Program
                               Program                - No direct brand             -- No direct Sales Agent Affiliate Program
                               recognition- white label solution
                               provider ONLY to banks and mobile
                               carriers*
                   *banks like CITI bank and Bank of America have internal mobile banking features that only work within their bank and are not a payment solution

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                                 Business Model

                         How Do We Make Money As a Company?

          1. Transaction fees
          2. 0.5% - 1.5% interchange processing fee
          3. Interest made on the float of deposited funds
          4. Advertisement on our websites
          5. Additional sales training programs and materials.
          6. Additional business services




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                            Referral Bonus Program
     You Can Participate and Make Money Like The Banks Do!
                         Here's how to get started: Steps 1,2, & 3

          1. Signup‫‏‬and‫‏‬log‫‏‬into‫‏‬your‫‏‬SelfBank‫‏‬Mobile‫‏‬account…‫‏‬
          2. Get your personalized replicated referral website link to send out
             in‫‏‬emails‫‏‬and‫‏‬add‫‏‬as‫‏‬a‫‏‬banner‫‏‬to‫‏‬your‫‏‬current‫‏‬website…
          3. YOU GET PAID! Each time a new Merchant or User signs up for a
             SelfBank Mobile account via your referral, you'll immediately start
             receiving a percentage of their purchases and or processing
             volume, FOR LIFE!


       That‟s‫‏‬Right!‫‏‬You‫‏‬Earn‫‏‬Residuals‫‏‬LIKE A BANK!
         You Make Money, When Others Spend Money!
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                2 Types of Referral Bonus Programs

       User Program
       – 20% Direct Commission
       – 6% Direct Residual Commission on the interchange processing fee, to a
         maximum of $2,000 per merchant and $500 per user referred
       – 3% Profit Sharing Pool


       Merchant Program
       – 25% Direct Commission & 15% Affiliate Commission
       – 6% Direct Residual & 4% Affiliate Residual Commission on the interchange
         processing fee, paid out unlimited with out restriction per user and or
         merchant referred
       – 3% Profit Sharing Pool
       – 6% Equity Pool‫‏‬
       – Over $3 Million dollars in EXTRA Extended bonuses


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                           3% Net Profit Pool

       User Program

       – You can earn 2 points per month for each directly Referred User and or
          Merchant in the SelfBank Mobile 3% Net Profit Sharing Pool.


       Merchant Program

       – You can earn 5 points per month for each directly Referred User and or
          Merchant in the SelfBank Mobile 3% Net Profit Sharing Pool.


       – You can earn 2 points per month for each of your Affiliate’s* directly
          Referred‫‏‬User‟s‫‏‬or‫‏‬Merchant‟s‫‏‬in‫‏‬the‫‏‬SelfBank‫‏‬Mobile‫ %3‏‬Net Profit Sharing
          Pool.


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                                    6% Equity Pool
                                 Merchant Program Only

       – You can earn 5 points per month for each of your directly Referred Users or
            Merchants in the SelfBank Mobile 6% Equity Pool.

       – You can earn 2 points per month for each of your Affiliate’s* directly
            Referred‫‏‬User‟s‫‏‬or‫‏‬Merchant‟s‫‏‬in‫‏‬the‫‏‬SelfBank‫‏‬Mobile‫‏%6‏‬Equity‫‏‬Pool.

              6% Equity Pool Sections/ Amount of Equity in Section / Merchant Requirement


              Section 1 / 1% equity / 5 Merchants + 5 VIP Users referred
              Section 2 / 1% equity / 10 Merchants + 10 VIP Users referred
              Section 3 / 1.5% equity / 20 Merchants + 20 VIP Users referred
              Section 4 / 2.5% equity / 40 Merchants + 40 VIP Users referred




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                               Extended Bonuses
            Are paid out one time only. You can only hit one bonus from the same section at a
            time. A 33.3% rule in affect, meaning that no more than 33.3% of your bonus
            requirements can come from one referred SelfBank Mobile User or Merchant
            Account.

            # of Merchant Accounts referred by you and your
            affiliates (directly or indirectly):


            15 = $400
            150 = $4,000
            1,500 = $40,000
            7,500 = $200,000
            15,000 = $400,000
            30,000 = $1,000,000

            Requirements: each SelfBank Merchant Account must remain active for at least 3
            month to quality and count in hitting your bonus. Bonuses are paid out in USD or
            CAD funds depending on your region.
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                         Extended Bonuses (cont'd)‫‏‬

       # of VIP User Accounts referred by you and your affiliates
         (directly or indirectly):


       400 = $400 CAD
       4,000 = $4,000 CAD
       40,000 = $40,000 CAD
       200,000 = $200,000 CAD
       400,000 = $400,000 CAD
       1,000,000 = $1,000,000 CAD

       Requirements: each SelfBank VIP User Account must remain active, paying their $3.95,
         for at least 3 months to quality and count in hitting your bonus. Bonuses are paid
         out in USD or CAD funds depending on your region.



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                         Extended Bonuses (cont'd)‫‏‬
            # of Gold and or Platinum Online Merchant Advertising
            Packages referred by you and your affiliates (directly or
            indirectly):


            15 = $400
            150 = $4,000
            1,500 = $40,000
            7,500 = $200,000
            15,000 = $400,000
            30,000 = $1,000,000

            Requirements: each Merchant must remain active for at least 2 years to quality and
            count in hitting your bonus. Bonuses are paid out in USD or CAD funds depending
            on your region.




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                         Virtual Back-Office




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     Facebook,‫‏‬Myspace,‫‏‬Hi5,‫‏‬Gmail,‫‏‬Yahoo‫‏‬etc…




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                             Highlights and Timing

        1 – Large and Growing Market Opportunity
              (NEXT BIG THING, EVERYONE WILL BE USING MCOM IN THE NEXT 5 YEARS )‫‏‬

        2 – Unique Business Model & Highly Monetized
              (3% Net Profit Pool, % of processing and purchases from referred accounts,
              Extended‫‏‬Bonuses‫‏‬etc…)‫‏‬

        3 – First Mover Advantage
              (Pre-register Your Affiliate Today, capture the market share today)‫‏‬

        4 – Ground Floor
              (6% Equity Pool, Beta Launch, A True Opportunity

        5 – Exit Strategy
              (3-5 year buyout, estimated buyout $5+ Billion)‫‏‬



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                                          Timeline
             2007- January – May (FINISHED)
             Pilot program to test the recruiting of internal sales agents and pre-sign
             merchants and customers (overwhelming response, over 250 sales agents
             registered in less than 60 days)‫‏‬

            2007- June – December (FINISHED)‫‏‬
            Continuation of pilot program and R&D on M-Commerce module, loyalty engine,
            and social utility/network- development of sales tools and virtual back-office

            2008- January – June (IN‫‏‬PROGRESS…)‫‏‬
            Whisper Campaign Promotion- (Raise round of funding)- USA and Canada
            Launch of BETA 1.0 of Social Network, Loyalty Rewards Program, and affiliate
            users and merchants- finish integration

            2008- June – August
            Live market test and pilot program with merchants and customers.

            2008-August – September
            LIVE Launch of BETA 1.0 of SelfBank M-Commerce Mobile Banking Platform-
            finish integration, focus on top merchant accounts


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                                  Timeline (cont'd)‫‏‬
              2008- October
              BETA 2.0 of SelfBank M-Commerce Mobile Banking Platform- heavy merchant
              and user sign up- (second round of funding (if needed))‫‏‬

              2008- October - December
              9 City Tour- Colleges and Universities- The Apprenticeship Program and Meet
              Franklin Supper Parties- release‫„‏‬special‫‏‬widgets‟‫‏‬and‫‏‬Fundraising‫‏‬Program‫‏‬and‫‏‬
              BETA 2.0 of Social Network


              2009- January
              Official Global Launch- Expansion into other Countries- heavy focus on under
              developed Countries that speak English, French and Spanish- South America,
              Africa, India, and of course Europe and Asia




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                         Special‫‏‬Promotions…

            $100,000,000 'Cash Advance Rewards' to give away in
            the‫‏‬first‫‏‬season‫‏‬of‫“‏‬The‫‏‬Apprenticeship- Lessons in
            Social‫‏‬Entrepreneurship”
            Giving no less than $100 'Cash Advance Rewards' at a
            time, what we call a BENJAMIN, all the way up to
            $2500*, but always in increments of $100
            Get $100 'Cash Advance Rewards' for simply getting a
            FREE SelfBank Mobile USER Account
            Get $500 'Cash Advance Rewards' for simply getting a
            FREE SelfBank Mobile MERCHANT Account
            Get $100 'Cash Advance Rewards ' for every personal
            USER referral
            Get $500 „Cash‫‏‬Advance‫‏‬Rewards‟ for every
            MERCHANT referral.
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