The document discusses going green and organic banking. It describes organic banking as using eco-friendly technology to process payments at a lower cost than traditional methods. This includes e-payroll, e-payment cards, e-wallets, and electronic accounts receivable networks that allow businesses to send and receive payments electronically domestically and abroad with significant savings.

2. What does it mean to GREEN? “ GOing Green” means…supporting the conservation of earth’s Natural Resources…as well as…supporting the “ Preservation of your Personal Resources”, i.e. your Family, Friends, Businesses, Lifestyles, Communities and your Legacy!

3. What does it mean to be GREEN? In many cultures, “Green” is an affirmation of life. It indicates growth, fruitfulness and spiritual rejuvenation. Being Green …is growth. It is becoming more efficient in the operation of your personal and business life by “eliminating wasteful spending based on habits that no longer serve your purpose”. Being Green …is being fruitful. It is taking advantage of new technology, tools and trends that improve your personal and business life…at a fraction of the cost of traditional methods. Being Green …is spiritually rejuvenating. It is your commitment to live a lush and abundant…economically empowered…debt-free and credit-worthy lifestyle!

4. How do i- GREEN? You Start by Stopping… Stop using outdated technology, business practices and service providers based on habit or familiarity, especially when they are no longer cost-effective. Stop running up excessive debt. Stop impulsive buying habits. Stop excessive spending without saving. Stop giving up your legacies to bankruptcy, foreclosure and bad debt. Being Green starts by developing a positive personal relationship with your money and your credit.

5. What does GREEN mean in business? GO Green business means… “Turning Unnecessary Expenses into Necessary Profits!” It is giving better service to your customers… more benefits to your employees… and using more efficient, cost-effective technology; resulting in greater profitability and sustainability of your business.

6. Organic Banking is using a more efficient “eco-friendly” technology to process your payment needs…at a fraction of the cost of traditional payment methods! What is “Organic Banking”? Organic: Pure, Fundamental, Eco-Friendly , Basic Banking: The act/business of receiving, transferring, lending, exchanging, saving and safeguarding money .

7. How does “Organic Banking” work? e-Payroll e-Payment Cards e-Wallet e-ARN The program is comprised of four (4) basic high-tech e-payment options and a host of discount services; all of which yield significant savings, convenience, efficiency and other benefits to your business, your payees and your clients:

8. … helps preserve the environment and increase your bottom-line…one click at a time! With i-GO-Green e-Payroll both employers and employees can manage and access all payroll and HR information in a secure web environment 24/7/365. The program eliminates the expenses associated with the production and distribution of paper payments, i.e. checks, pay stubs, HR documents, envelopes, postage & delivery costs, lost/stolen check fees; and other expensive consumables, i.e. printer costs, ink, toner, cartridges and replacement parts. Additionally, e-Payroll reduces your overall payroll administrative costs; and saves you time, and money to invest in the growth of your business. Green e-Payroll i- Turn your Payroll Expenses…into e-Payroll Profits!

9. … provide many benefits to both employers and employees…helping even those with challenging or no credit histories stay plugged into the new economy. The card is a pay-as-you-go Prepaid MasterCard ® issued by an FDIC insured bank, is backed by MasterCard’s Zero Liability protection and has an opening balance $0.00. NO credit issued! Once money is loaded/deposited onto the card the cardholder has the “Power of a Checking Account, Credit Card, ATM/Debit Card, and Money-transfer Card…all-in-one." Cards can be used to make purchases and pay bills at POS, online or by phone. Best of all, with the addition of Companion Cards…from the U.S. cardholders can to send up to $3,500.00 per month…both internationally and abroad…for only $1.00 per transaction! Green e-Payment Cards i- The Environmentally Friendly Way to PAY & GET PAID!

10. … is a “good funds” transfer gateway whereby businesses can create international e-payment communities/networks and send/receive up to $30K+ electronically …both domestically and abroad…in seconds…for FREE! Members can use their e-Wallet accounts like a credit/debit card to make purchases or pay bills –or- they can off-load funds to their checking/savings account or to their complementary Prepaid MasterCard® card. Bye, bye…costly bank wire fees, bankcard processing fees and overnight delivery costs!” Green Mobil-e-Wallet i- Turn your Laptop, PC, PDA & Mobile Phone into a CASH Machine! Make and Receive CASH Payments Worldwide...in Seconds…for FREE!

11. Why wait for checks to clear...or not? Say bye-bye to invoices, envelopes, postage, late payments, excessive administrative costs and bad check fees! If your average receivables are more than a week late and most are…you need the power of e-ARN™! How it works: On the specified billing date each cycle, e-ARN™ electronically collects (via ACH) your payments from your customer’s bank account and credits the funds to your business checking account “as CASH for your immediate use”. The results are more convenience for your customers and a powerful cash-flow management tool for your business! Green with e-ARN ™ i- E lectronic A ccounts R eceivable N etwork You can Bank on it! It’s the power to keep your receivables on time…every time!

12. Medical Hospital Confinement & Indemnity Insurance, Accident Insurance, Limited Medical Benefits Plans Income Protection Disability Insurance Catastrophic Illnesses Cancer and Critical Illness Insurance Survivors Benefits Term and Cash Value Life Insurance Dental and Vision Non-Insured Discount Plan Affordable Coverage For You and Your Family Green Supplemental Benefits Plans i- Insurance services powered by Colonial Life Insurance Company

13. Health Savings & Supplemental Insurance Benefits: Discount Prescription Drugs, Diabetic & other Medical Supplies Entertainment Savings: Discounts at Restaurants, Theme Parks, Movie Tickets (only $6.50) & more! Travel Savings: Tours, Cruises, Hotels & Airline Tickets! Pet Insurance: Discounts on Pet Insurance Vehicle Discounts: Roadside Assistance, Auto Purchases & Rentals, Auto Repairs, Moving and Storage & more. Relocation Savings, Parent Coaching & Funeral Concierge Services Green Cash-back Mall i- Cash Back + Instant Discounts & Savings at over 1,100 Online Stores! Green Lifestyle Benefits i-

14. Our Mission: To empower payment Administrators with the e-tools necessary for them to affect real and lasting changes in their payment methods in order to increase profitability; and protect/preserve the environment and their "personal resources" for future generations to come.