Executive Summary

What is our purpose? QQwikpay is the online payment processor for sellers and buyers across the globe. Our rates are transparent and the same pricing for all members, no matter how small the transaction is or how big. Main benefit of using us compared to PayPal is our 2.25% flat rate vs their 2.9% and we offer 1% back when using your bank account anywhere in the world.

Online payment processing market Currently PayPal is used by 59 percent of the top 100 online companies in the United States and 40 percent in UK. Revenue in 2010 was 2.176 billion.

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2010 FULL-YEAR FINANCIAL METRICS PayPals 2010 annual revenue was 2.176 billion, up 23 percent year over year. PayPals international business accounted for 47 percent of revenue in 2010. PayPals net Total Payment Volume for 2010, the total value of transactions, was nearly 58.88 billion, up 28 percent year over year. PayPals Total Payment Volume in 2010 represented nearly 18 percent of global e-commerce. Cross-border trade now accounts for approximately 25 percent of PayPals Total Payment Volume. Merchant Services processed 35.84 billion in Total Payment Volume in 2010, up 42 percent year over year.

Q3 2011 FINANCIAL METRICS y PayPal revenues represented nearly 37 percent of eBay Inc. revenues in Q3 2011.

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PayPal revenues for Q3 2011 were more than 704 million, growing 32 percent year over year acceleration over last quarter). PayPals international business generated 353.28 million in revenue in Q3 2011, up 41 percent year over year. International revenue represents nearly half of PayPals total revenue. PayPals net Total Payment Volume, the total value of transactions in Q3 2011 was 18.7 billion, up 31 percent year over year. Merchant Services net Total Payment Volume was 12.35 billion in Q3 2011, up 36 percent year over year. Merchant Services net Total Payment Volume as percent of net Total Payment Volume was 66 percent in Q3 2011. eBay net Total Payment Volume as percent of net Total Payment Volume was approximately 34 percent in Q3 2011. PayPal transacted more than 2,304 in Total Payment Volume every second in Q3 2011.. PayPal expects to process more than 2.24 billion in mobile TPV in 2011 five times the volume it processed in 2010.

Opportunity As we can see many sellers and buyers use payment processing on the World Wide Web, currently no real competitor successful in taking market share from PayPal. The main benefit to PayPal is being user friendly and easy to set up and this is represented by 100m+ users attached to PayPal.

We shall come in as a company together and attack the market now. With fees at 2.25% and game changing element will be our 1% cash back when consumers use their banking account. Takes no longer setting up compared to if the client was using their credit/debit card. For us processing payments through a bank account is a very small fraction of overhead to processing credit/debit cards and this is how we can offer cash back. QQwikpay will make 2x more profit with this method instead of cards.

Over 70 million American households currently use online banking. With Instant bank authorization of funds our merchants can immediate shipping without changing fulfillment processes.

Target markets Argentina, Australia, Austria, Belgium, Brazil, Canada, Chile, China, Czech Republic, Denmark, Estonia, Finland, France, Germany, Hong Kong, Hungary, Ireland, Italy, Japan, Latvia, Lithuania, Malaysia , Mexico, Norway ,Panama, Peru, Philippines, Poland, Slovakia, Spain, Sweden, Netherlands, Thailand, Turkey, USA, United Kingdom, Uruguay, Singapore Platform A user friendly website available in all languages. This is top priority to retain our customers and drive revenue into many years. We want to avoid a client having an issue and having to call, so everything is trial tested. We will have a customer service representative available to respond to email and telephone queries. Investment We are seeking 365k to launch QQwikpay for a 15-25% stake. Funds to be used for advertising our brand, website development, and licensing to establish market share. With your investment we will attack the market now, advertising on 17 very popular websites along with airport advertising, subway stations, and full bus wraps. After funding we can be live in less than 4 weeks time. The team is ready and anticipating 18 hour days. Now is the chance to join our brand and go on this amazing road to success. Crowd funding is drastically better route of funding our group and that is why we believe we can raise 365k all together, as a company. We are very excited about what we can all accomplish together, everyone is an asset.

Company goal As a company our goal for the 2012 year will be 0.25% of PayPal market share or 5,483,870 in revenue. We believe with our advantages offered and industry first cash back that this is a good milestone goal. Of course this is a set goal and the number can be substantially higher if the market responds well. Currently

merchants on PayPal are being charged up to 23% higher than our proposed fees, owning a business you have to trim expenses to remain in business. Our Costs
y Internet purchases 1.6%

We will charge 2.25% being extremely competitive to the market place. Profit .65 or 40% profit on revenue. y Bank account (direct debit) .10-20 cents

The business will still be charged 2.25% and the consumers will get 1% back. Leaving us 1.25% profit on total volume processed + 10-20 cents depending on the region. y Mobile processing 1.12%

Mobile merchants will pay 2.25% a full .45 less than the market leaders. Our profit will be 1.13% on total volume processed.

Next and exit plan thoughts We need your help to transform QQwikpay to operating status. The entire team is ready to move forward. Our exit plan can be IPO in 2-3 years where you investment could substantially increase 15-25x.