My Business Guide

This document constitutes the agreement (Agreement) between you and us outlining the terms and conditions under which the Citi Obopay Prepaid MasterCard Card has been issued to you relating to your election to participate in the Stored Value Card Service (the Service). In this Agreement, Card means the Citi Obopay Prepaid MasterCard Card issued to you by First PREMIER Bank, Sioux Falls, South Dakota. Citi means Citicorp Credit Services, Inc., which provides marketing and program management services for the Citi Obopay Prepaid MasterCard Card and the Citi Obopay Program Citi does not hold funds or initiate funds transfers. You and your mean the person or persons to whom we issued the Card or Cards. We, us, and our mean First PREMIER Bank, our successors, affiliates or assignees. Card Value means the funds that are available from time to time for you to access by use of the Card. Obopay means Obopay, Inc., and Obopay Platform means the services, products, software applications, and websites that allow users to receive, send and spend money directly from supported mobile phones, smartphones, or other devices. A transfer is any transaction that results in moving funds to or from your Card. business home internet

Negative Balances

We may refuse to honor transfers you attempt to make if your Card does not have sufficient remaining Card Value. Certain types of merchants (for example, restaurants, gas stations, car rental agencies, and hotels) may obtain an authorization that exceeds the actual amount of your purchase. If the amount of the authorization request exceeds the remaining Card Value, we may not honor these transfers even though the remaining Card Value would cover the actual amount of your transfer. We hold excess authorization amounts obtained by the merchant for three (3) business days. business mlm opportunity

You may withdraw up to $200 each day at an ATM, and you may use up to $1200 each day to pay for purchases or obtain cash back at point-of-sale. For security reasons, there may be additional limits on the amount, number, or type of transfers you can make. See the Obopay Terms for additional information. based business home income

Fees

You agree to pay all applicable fees for the use of your Card and the Obopay Platform, which will be deducted automatically from the Card Value at the time the fee is incurred. Fees are set forth in the Fee Table below. based business home internet

Fee Table Send Money Using the Citi-Obopay Prepaid MasterCard

mobile phone (SMS, WAP, or APP) $0.10 per transaction business homebased opportunity

Internet (Online) $0.10 per transaction Get Money Using the Citi-Obopay Obopay Prepaid MasterCard get money from another Obopay user FREE accepting a request to get money $0.10 per transaction Manage Your Citi-Obopay Prepaid MasterCard check Card Value check transaction history FREE Add Money to Your Citi-Obopay Prepaid MasterCard Load Fee based business home mlm

Failed transaction due to lack of funds $6.00 Withdraw Money From Your Citi Obopay Prepaid MasterCard ATM withdrawal (domestic)* ATM withdrawal (international)** $2.75 if successful $1.75 if declined Additional Transactions use your Citi-Obopay Prepaid MasterCard at accepted merchants issue replacement Card $6.95 issue replacement Card with overnight shipping business new opportunity

$20.00 request paper statement (standard) $1.95 request paper statement (special) $4.00 Foreign Currency Transactions 1% of total transaction *When you use an ATM not owned by Citi, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a transfer). **Some international ATM networks levy a fee regardless of function. business home online

You may also be required to pay fees and charges to others in connection with use of your Card or the Obopay Platform. For example, your mobile telephone company may impose charges for use of your phone. The financial institution that issues your credit card or debit card, or holds your Bank Deposit Account, may charge you for transfers between that card or account and your Card. If you use a credit card to load your Card, you may be charged interest. best business home opportunity

• Information we receive from you on applications or other loan and account forms, such as your name, address, social security number, and income; business investment

• Information about your transactions with us, our affiliates, or others, such as your account history, payment history and debit card usage, if any; and business home making money

• Information we receive from a consumer-reporting agency, such as your creditworthiness, credit history, and payment history with others. based business free home

Get The News For media inquiries, please contact: press@obopay.com January 2008:

Vendors Send a Message As Mobile Payments Grow American Banker January 18, 2008: Obopay Offers BlackBerry Software American Banker January 17, 2008: Customers Send, Spend and Receive Money Through BlackBerry Smartphones CNN business internet online

January 17, 2008:

Obopay Brings Convenient Mobile Payments to BlackBerry Users CNN January 17, 2008: Obopay Brings Convenient Mobile Payments to BlackBerry Users LA Times January 17, 2008: Obopay Brings Convenient Mobile Payments to BlackBerry Users Houston Chronicle January 17, 2008: Obopay Brings Convenient Mobile Payments to BlackBerry Users Forbes best business opportunity

2007 News 2006 News Investors

Obopay is a privately held company with funding from Redpoint Ventures, ONSET Ventures, and Richmond Management. business computer home

For more information, contact us at info@obopay.com ventures ONSET Ventures is an early-stage venture capital firm that combines substantial financial resources, business building, operating skills, and a long-term personal commitment to help entrepreneurs build and grow world-class companies. ONSET has backed nearly 100 companies since 1984, focusing on early-stage and select later stage enterprises in business-to-business markets. With more than $700 million under management, ONSET Ventures invests in information and medical technology companies in enterprise applications and infrastructure software, communications and networking, and medical technology. business idea opportunity

qualcomm

Qualcomm develops its technologies and solutions for the purpose of enabling key participants in the wireless value chain. By partnering with and acting as an enabler to the business activities of these participants, Qualcomm ultimately enables consumers, professionals and government entities, the end users who benefit from the success of the wireless industry today and into tomorrow. based business home online

redpointlogo Redpoint Ventures was founded in 1999 by top partners from Brentwood Venture Capital and Institutional Venture Partners (IVP), two leading venture firms. Redpoint s partners are peers and friends, with years of experience and success in technology investing. Redpoint has an interactive community of entrepreneurs, partners, service firms and industry experts whose combined impact will accelerate the building of companies destined for market leadership. business federal opportunity

Richmond Management

Richmond Management is a New York investment firm with a special focus on early stage investments in the communications and technology-enabled services spaces. Its principals have enjoyed successful public exits in Salesforce.com, aQuantive, Color Kinetics, and private sales in India and China to industry leaders such as eBay. Richmond manages several other funds in global private equity and hedge fund investments. Richmond is currently investing in India, China, and Central Europe. based business home legitimate

How it Works

Five simple steps you need to complete to begin increasing your sales with Obopay payment options: business home mlm opportunity

1. Determine which product is right for your business do you want your customers to be able to make payments from their mobile phone, the Internet, or both business home idea internet

2. Request Obopay merchant integration manual from Obopay business development team. Review and implement merchant requirements; Obopay will assign you an engineer to assist with the integration process. bd@obopay.com based business from home

3. Receive Obopay merchant services agreement from business development team. You will need to review, sign and return before accepting payments via Obopay. bd@obopay.com business make money online

4. Work with Obopay engineering to get you set up in our developer sandbox to begin transaction testing, and ensure both parties systems are configured correctly. base business home opportunity

5. Finalize testing process and roll out Obopay merchant services to live production servers. business magazine opportunity

It s that easy. In just a few days you ll be up and running with Obopay, and your customers will be able to pay you in whatever way suits them bestwhether it s via cash, credit, or cellphone. business make money

Pricing

With Obopay accepting payments is cheap and easy. Here is the fee structure for most participating merchants: business opportunity weblog

Obopay Fee Schedule Set-Up Fee None Monthly Fee None Cancellation Fee None Transaction Fee 1.5% + $0.25 USD That s it! There are no hidden fees, and no additional costs. At Obopay we want to make it as easy as possible to get up and running, so we don t charge you any special fees or set-up costs. Heck, we ll even assign you someone who s job it is to make sure the whole process goes smoothly. base business home online

Sign up today!

Begin the process of signing up to accept payments via Obopay today. Please provide the information requested below and we will reply to you within 24 hours. Please note the following requirements: business home income

Increasing Sales

• Please complete all fields. This information will help us determine if our service is a good fit for your business and route your inquiry to the right department. business opportunity unique

• We require that your email address must use your business domain we cannot reply to business inquiries sent from personal email addresses. business home job opportunity

• Please Note: Obopay is currently only able to serve merchants in the United States. Check back in the future, as Obopay is in the process of expanding to additional global markets. business from home mlm

Contact Information Company Name First Name Last Name Email Phone Number - - Company Information Describe your business Distribution Web Mobile Retail Other Monthy Volume Average Transaction Price Business Type ameriplan business opportunity

-- Please Select -- Sole Proprieter LLC Corporation

Additional Information Company Website How did you hear about us -- Please Select -- Google Search Engine Yahoo! Search Engine MSN Search Engine Online Banner Ad Print Ad Trade Show Mail News Article Other Comments By submitting this form, you agree to allow us to contact you in the future via email regarding Obopay Merchant products and services. business internet marketing

*Currently available in the United States only

Source: Jupiter Research Source: Telephia Source: Nielson Media Research business home legitimate

Our team

The Obopay management team brings together the right mix of experience in the fields of mobile services and technology, financial services, engineering, and marketing. And while each Obopay member brings his or her specific focus and expertise to the company, as a team, they re unbeatable. business home make money

Carol L. Realini, Chief Executive Officer Dave Johnson, Chief Financial Officer Judith M. O Brien, EVP, International Strategy, General Counsel, Secretary John Tumminaro, Cofounder, Chief Technology Officer Ramy Mora, Vice President, Marketing Christian Delay, Vice President, Business Development and Marketing Chris Martin, Vice President, Operations, Treasurer and Compliance Officer Tyler Sloat, Vice President, Finance Controller Irv Henderson, Vice President, Product Development Carol L. Realini - Chief Executive Officer

FAVORITE WAY TO OBOPAY: I love using the request pay feature from my phone s Internet browser because it makes it so easy for me to send money to my husband or kids. And that means they too can pick up dinner, the dry cleaning or any other last minute errands. affiliate business opportunity

Carol Realini is an imaginative pioneer whose foresight and business acumen have built companies that have changed the landscape of our daily lives. TECHNOLOGY VISIONARY In 2005, Carol Realini founded Obopay to meet the need for an industry leader in mobile payments technology. In two years, Carol secured $47 million in funding and finalized deals with several major cellular networks and one of the biggest banks in the United States. Today, Obopay is defining an emerging industry and quickly gathering the market share necessary to ensure longevity. business income opportunity

Carol was inspired to found Obopay when she traveled to Africa and saw, first hand, the opportunities that mobile payments would bring to both industrialized and developing nations. Obopay fulfills Carol s interest in industry-changing advancements and her desire to support social and economic development throughout the world, bringing financial services to millions of under- and unbanked people. business opportunity unlimited

HISTORY OF SUCCESS

Before founding Obopay, Carol was Chairman and CEO of Chordiant Software, a leader in one-to-one marketing and customer interaction software. Carol raised more than $30 million in VC financing and played a key role in the successful IPO of the company. Prior to her success at Chordiant, Carol was the CEO and President of J. Frank Consulting, a consulting firm dedicated to helping corporations achieve breakthrough business results through successful applications of enterprise-wide client/server solutions. Carol guided the company through significant growth, ending in the firm s sale to MCI. As Vice President of Sales and Marketing at Legato Systems, a network storage software innovator, Carol launched the company s first series of products and established key strategic business relationships. business opportunity seeker

Carol holds a B.A. with Honors in Mathematics from the University of California, Santa Cruz and an M.S. in Computer Science from California State University, San Jose. Additionally, Carol successfully completed the Executive Management Program at Stanford University s Graduate School of Business. business opportunity travel

MAKING A DIFFERENCE

Carol s passion is education. She and her husband provide scholarships for women in Sierra Leone, Liberia and AIDS orphans in Uganda. ^ back to top Dave Johnson - Chief Financial Officer FAVORITE WAY TO OBOPAY: I like adding money to my Obopay account;it s so easy. I also like knowing that I have instant access to emergency cash if I need it. business opportunity turnkey

Dave is responsible for all financial and fiscal management aspects of company operations. He also runs the Business Solutions Group and is Obopay s executive sponsor for financial institution partners. His professional career spans 30 years in international financial services including roles at PayPal, Inc., BancAmerica Securities, BankAmerica Europe, Middle East and Africa Group and Washington Mutual Capital Corporation. He volunteered as Treasurer for the Town of Moraga and lectured in international finance at St. Mary s College. business marketing online

As PayPal s CFO, Dave built the financial, operating and regulatory control infrastructure as the e-payments company realized hyper-growth in its customer base, number of transactions processed, and size of funds transmitted. As COO and CFO at BancAmerica Securities he built the complex control infrastructure necessary for a global securities company as it grew from four employees with $10 million in assets and limited product offering to 2000 employees with $10 billion in assets providing a full array of investment banking products and services to institutional and retail customers. As CFO and Treasurer of BankAmerica Europe, Middle East and Africa Group based in London, he directed a major turnaround of the foreign exchange trading and local capital markets businesses. business international

Dave serves on several nonprofit boards. He holds an MBA and an MS in Finance from the University of Southern California, and a BA in Economics from UC Santa Barbara. ^ back to top Judith M. O Brien - EVP, International Strategy, General Counsel, Secretary FAVORITE WAY TO OBOPAY: I like being able to send emergency cash to my young adult children. And Obopay enables them to carry less cash and easily share expenses with their friends and roommates. based business home new

Judy is involved in all corporate matters, including strategic partnerships, intellectual property and international expansion. She brings her love of start-ups, her years of experience, her deal-making skills and her network of relationships with venture and other financial firms to Obopay as it goes from successful launch to growth and expansion in the U.S. and globally. base business home internet

In her 20 years as a partner at Wilson Sonsini Goodrich Rosati, Judy was the business lawyer for many of Silicon Valley s premier high tech companies, including Juniper Networks, KLA-Tencor, Sun Microsystems and LSI Logic. She worked with many start-ups from incorporation through venture capital financings, initial public offerings, mergers and acquisitions and joint venture relationships in the U.S. and abroad. In 2001, Judy co-founded Incubic Venture Fund where she was a Managing Director until November 2006 when she joined Obopay. business marketing network

Judy received a BA with honors from Smith College and her JD from UCLA School of Law where she was elected to Order of the Coif. In 2000, she was named a Top Deal Maker by the American Lawyers and, for five years, was included on the Forbes Midas List, a list of the leading members of the venture community. business free opportunity

^ back to top John Tumminaro - Vice President, Chief Technology Officer FAVORITE WAY TO OBOPAY: For me it s all about my kids allowance. With Obopay, I don t have to give them actual cash, something they typically lose. Plus, now I know exactly where they are spending their allowance. What s not to love As CTO John is responsible for all technology efforts at Obopay. He brings extensive experience in enterprise computing systems for banking, insurance and telecommunications applications as well as his vast software development and start-up business acumen. based business home home

John was formerly CTO of Chordiant Software, an enterprise CRM company whose customers in the U.S. and Europe, include MetLife, CitiCard, USAA, Lloyds TSB, Barclays, and Deutsche Bank. His expertise also includes serving the retail banking industry through J. Frank Consulting. business florida opportunity

^ back to top Ramy Mora - Vice President, Marketing FAVORITE WAY TO OBOPAY: I like the convenience of paying anyone back instantly from my cell phone and not have to carry cash anymore. Ramy is responsible for all of Obopay s marketing and PR efforts. He brings over 15 years of broad brand and product marketing leadership, as well as experience in online travel, shopping, search, automotive, instant messaging/chat, VOIP, financial software, and consumer-packaged goods. business christian opportunity

Most recently, Ramy served as the VP, Marketing at Hotwire.com (an Expedia company), the leading travel discount site where he oversaw all online and offline marketing efforts, advertising, public relations, research, and advertising sales. Prior to Hotwire.com, Ramy led consumer and merchant marketing efforts for Shopping.com (an eBay company) the world s largest online comparison shopping site. Before that, he held senior marketing roles at Yahoo!, Microsoft and Clorox. based business franchise home

Ramy has an MBA from Thunderbird, the Garvin School of Global Management. ^ back to top Christian Delay, Vice President, Business Development FAVORITE WAY TO OBOPAY: I threw out my checkbook when I opened up my Obopay account - I pay for all of my services using Obopay - fantasy football fees, gardening services, association dues, etc. Christian brings deep understanding of the mobile ecosystem and a strong history of building successful relationships with mobile carriers worldwide. At Obopay, Christian is responsible for the company s business development, account management and marketing activities with channel partners. based business home idea

At Yahoo, Christian structured relationships with carriers, technology partners and global brands. His efforts led to increased reach of Yahoo s Mobile Portal and Communications Services and the launch of some of Yahoo s most innovative mobile services, including Yahoo! Go Mobile with Cingular, Yahoo SMS Search, FIFA World Cup alerts and Pepsi Cool Tones and Motorola Phones promotion. business opportunity vending

Prior to Yahoo, Christian spent over four years with InfoSpace developing its mobile carrier business in Europe and mobile content in the US. He was responsible for business agreements with T-Mobile UK, Sunrise Communications, Associated Press, uclick, Charles Schwab, AccuWeather and many more. business high income

Christian worked for Arthur Andsersen and JPMorgan in Switzerland before earning his MBA from Duke University. ^ back to top Chris Martin - VP Financial FAVORITE WAY TO OBOPAY: The ability to instantaneously send my children their allowance and emergency funds is awesome. Chris began his career at Obopay in March of 2007. He is responsible for the customer service, quality assurance, information technology, compliance and treasury leadership at Obopay. His experience spans 22 years in management roles at Yahoo!, Unisys, Allstate Insurance Company and EF Hutton Company supporting finance and information technology functions. business christian home

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