Global Payment Solutions

Network Marketing Organizations, Payroll, Overseas Foreign Workers

Overview
One Virtual World provides a payment gateway that benefits organizations throughout the world. The One World Direct sales payment program is a convenient, secure real-time payment solution with a connected MasterCard debit card that is accepted worldwide. Organizations can batch-load commission payments to distributors at zero cost. Auto-loads from distributors virtual accounts are similarly achieved at zero cost. Organizations can also opt for a global debit card issued by MasterCard.

Payment Solution Advantages

Online account activation. Geographically diverse account locations in a border-free virtual world.

Secure, electronically processed commission and auto-ship payments .

Editable usernames and passwords, protected by encryption and authentication technology. Financial transactions completed in local currency, including deposits to local bank accounts. Account balance and transaction monitoring in real-time, online or by SMS (cell phone).

Merchant Advantages
Reduce commission costs & add revenues No merchant fees No bank Swift fees No check reconciliation fees No auditing cancelled checks No unrecoverable losses from check fraud Added revenues with reduced bank costs Instant and secure online transactions Time-saving bulk payments by uploading batch files Zero cost commission payments to distributors Zero cost auto-ship payments from distributors Complete transactions in any country with seamless integration

Distributor Advantages
Transfer funds to any bank account in the world with low cost (online or by SMS). Transfer funds to pay bills, friends or family. Receive funds from third parties. Decrease currency exchange fees & eliminate local check cashing fees. Easy use of local load stations to wire money internationally. Optional global debit card issued by MasterCard can be used worldwide, at lower cost than current bank debit card. MasterCard companion debit cards provide an inexpensive solution for transferring money to friends/family overseas.

Direct Sales Organization

Active Distributors Distributors Virtual Account
Accept & transfer funds Withdraw from local bank Provide companion cards for friends & family Add a Master Card Pay bills

1. Push commissions Distributors sales commissions are direct deposited (pushed) to distributors accounts at zero cost. 2. Pull payments - Auto load product payments are pulled from distributors account (1/month) at zero cost.

Consumer-Distributors Distributors Virtual Account

Accept & transfer funds Withdraw from local bank Provide companion cards for friends & family Add a Master Card Pay bills

MasterCard

Local Bank

MasterCard

Local Bank

Pay bills Easy to load & unload Purchase goods/srvcs Transfer electronically anywhere in world to their bank accounts Online/electronic payments & purchases Pull cash out at any ATM

Pay bills Easy to load & unload Purchase goods/srvcs Transfer electronically anywhere in world to their bank accounts Online/electronic payments & purchases Pull cash out at any ATM

Load Stations

Savings Potential
Assume an existing Direct Sales Organization has: 100,000 distributors, of which 15,000 are active Average product purchases of $125/month Merchant discount rate of 4% 4 commission payments/month at an average cost of $3

Commission Payments
Existing 15,000 accounts @ $3/payment four times/month = $180,000/month = $2.16m/year One Virtual World

Distributor Purchase Payments

Existing $125/month x 100,000 distributors = $12,500,000/month x 4% = $500,000/month = $6m/year One Virtual World

$0

$0

Total annual savings: $8,160,000

Summary of Account Features One Virtual World Account

Free Registration
Card attached to virtual account Online log in Password Protected SSL Encryption Profile can be edited by user Load funds from multiple bank accounts Card linking Funds transfer Customer alerts SMS capable Email notifications Bill payments Online transaction history logs Pull auto-load payments

Summary of Account Features (cont.)

SMS Text Messaging One Virtual World Account
Balance inquiry Card Loading ACH Card linking Card-to-card transfer Account transfer Balance inquiry Yes Yes Yes Yes Yes Yes

Features & Services of the One Virtual World Debit Card

Card issuance Card loading Checking/Savings account Cash out ATM withdrawal POS Purchases Can be used for online shopping Can be used to pay at pump Yes Yes Yes Yes Yes Yes Yes Yes

Fees for One Virtual World

(all fees in USD) Card Activation Card-to-card transfer Monthly service charge (US) Monthly service charge (Int.) Online transaction Bank Transfer Auto-Ship (1 Free/Month) MasterCards Monthly Maintenance Fee $0.00 $2.25 $3.50 $5.00 $1.00 $2.25 $0.00 $2.00 $3.00 $3.25 $0.60 $0.60 $1.50 $1.50 $1.50

ATM Transactions ATM Withdrawal International ATM withdrawal

POS Transactions POS Cash Advance International POS purchase Automated Telephone Support IVR Balance Inquiry IVR Card-to-card transfer IVR Directory Assistance

One Virtual World 3620 E. Campbell Ave, Suite D Phoenix, AZ 85018