The Idea Rebate Bank (RB) is a new marketplace that allows consumers to sell the future value of their

mail in rebate for a discounted cash flow. For consumers, Rebate Bank is the fastest way to convert mail in rebates into cash. For the rebate issuers, Rebate Bank is a sales and customer retention tool. For investors, Rebate Bank provides a market where the future value of mail-in-rebates can be bought at steep discounts; offering attractive returns, low correlation to the market, and low volatility. The Problem For example, Sony might offer a $100 mail-in rebate when a consumer purchases a certain model of television. When the consumer applies for the mail-in rebate, they are sent to a separate rebate processing company (rebate clearinghouse). The consumer has to gather original copies, mail in all of the needed paperwork, and then wait for a response. There is little guidance and unclear instructions through the process. If there is a problem, the consumer is left stagnant between two separate companies. The entire process is advertised to last a minimum of 4-8 weeks but can often extend beyond 12 - 18 weeks. As a result, mail-in-rebates carry significantly less value to the consumer, thus debilitating the benefit to the issuer. The Market Rebate clearinghouses process approximately 400 million mail-in-rebates per year in the United States totaling $6 billion, with a single service provider processing 33% of issued rebates and the runner up processing 13%. None of these clearinghouses provide an alternative for expediting the accounts

receivable process (for the rebate holder) or delaying the accounts payable process (for the rebate issuer).

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The Solution Rebate Bank provides an online solution for consumers who want to quickly monetize their mail-in-rebates. For a percentage of the total rebate value, consumers can sell the full value of the rebate and receive cash within 3-4 days via electronic transfer or 5-7 days via certified mail. Rebate Bank reduces wait time by at least 80%, adding significant value and incentive back to the rebate offering. Business Model Think of Rebate Bank as a marketplace for the consumers accounts receivable. The sellers are the many consumers who purchase items with a mail in rebate attached. Since there is currently no convenient market to sell the rebates, consumers can only sell back to the issuer. Can you imagine, for example, if there was no market to sell stocks? Each person would have to correspond via mail with the company each time they wanted to sell or acquire a position in that company. This is clearly not an efficient way to operate. Just as stock exchanges make the transfer and redemption of securities fluid, Rebate Bank will create the same efficiencies for the rebate market. As it pertains to rebates, the debtor of the outstanding receivable is a reputable manufacturer. Sony, Apple, Toshiba, Compaq, Verizon, AT&T, Tires Plus, and Jiffy Lube are just a small fraction of the thousands of reputable companies that issue a total $6 billion of rebates each year. The federal government is also a major issuer of rebates i.e. the very successful Cash for Clunkers campaign (issued 677,081 rebates totaling $2.8bn) or the Cash for Appliances campaign (issued $300mm in rebates). As the owner of the marketplace, Rebate Bank shares 20% of the rebates mature value with investors while 80% of the full rebate value is returned to the consumer via cash transfer into a checking account within 3 4 days or certified check within 5 -7 days. Consumers can access the rebate marketplace at TheRebateBank.com. By mid year two, Rebate Bank aims to make alliances with major retailers to offer the RB pre-paid priority envelope (free of charge) to shoppers at an in-store RB kiosk. At either location (retail store or online), Rebate Bank generates product specific instruction (in step by step visual format) so that there is no disruption during the redemption process. Consumers go online, type in the name of the product, follow the short tutorial on where to find each piece of relevant information. Next, checking account details for automatic funds credit is entered. A receipt with tracking information will print. The consumer only has to place the identified items into an envelope and affix the pre-paid USPS shipping tag before depositing in any mailbox. The rebate will begin processing

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immediately as the website relays the information in real-time and the rebate will undergo final authentication once materials arrive at the Rebate Bank clearinghouse. If there are errors, a Rebate Bank associate will contact the consumer to quickly correct them. Soon after, a check will be deposited or sent to the consumers address. The consumer is always able to track the package on the Rebate Bank website using the confirmation number printed on the receipt, or call and chat with one of our live customer service associates.

Exhibit 1 demonstrating the connection Rebate Bank provides to retailers, consumers, and issuers

Business Model Contd (Alliance with Consumers, Retailers, Issuers, and Investors) Providing consumers with an option that redeems rebates faster and with more certainty than the existing 416 weeks is at the heart of Rebate Bank. RB will be made fluid if retailers will include a Rebate Bank kiosk offering USPS priority pre-paid envelopes (free of charge) to shoppers who have purchased an item with a rebate attached. Retailers with pre-paid Rebate Bank envelopes in-store will notice greater potency in their ability to encourage the consumer to action. Retailers can significantly increase the effectiveness of pre-existing mail-in-rebate offers simply by making the Rebate Bank pre-paid envelopes available to shoppers. These envelopes are free, and shipping is paid for by Rebate Bank.

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Exhibit 2 sample promotional materials advertising the ease of the RB pre-paid mailer envelope for redeeming rebates

Partnering with issuers will ensure that Rebate Bank is able to grow without obstruction. We recognize that some companies offer rebates with the knowledge that many consumers will not take advantage of them. These companies are hoping that although rebates will entice consumers to buy their products, they will never actually get around to dealing with all the rigmarole required to redeem them. In this instance, consumer interests and issuer interests are in sharp contrast with one another. The issuers are making money as the consumers are losing money that was promised to them. These sort of transactions hurt the overall effectiveness of mail in rebates as a marketing tool, and once customers have been burned by issuer they are likely to view rebates as merely a sleazy marketing tactic. Rebate Bank aligns the interest of the consumer and rebate issuer. By supporting Rebate Bank, issuers ensure the integrity of their rebate offers and gain significantly more leverage with the consumer. Issuers will be more effective in turning inventory while gaining goodwill with customers. Also, premium advertising on TheRebateBank.com, promoting the issuers add-ons will be an additional incentive to encourage their participation. Just before printing a prepaid shipping label, consumers are provided with targeted advertisements for complimentary products from the manufacturer. In addition, since Rebate Bank does not charge the issuer for processing (compared to traditional rebate clearinghouses) issuers will save with each rebate processed through RB. Clearinghouse fees are typically 10% of total rebate campaign value. Rebate Banks relationship with investors is particularly beneficial. Rebate Bank investors provide the funding to purchase the full future value of rebates at a discounted present value. Typically this will mean that for every $1 of future rebate value sold by the consumer through Rebate Bank for $0.80; Rebate Bank and its investors will share $0.20. RB will then notify the issuer that the rebate has been redeemed and designate a date (maturity date), within 6 months, where the issuer will submit the advertised/full value of the rebate to RB. At the maturity date, the issuer will pay Rebate Bank $1.00, with which it will credit to Rebate

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the investors account. In this model, the rebate issuer is given a full 6 of liquidity without having to inconvenience the consumer. The investor absorbs the cost of waiting, in the process earning +10% interest on the investment in 6 months. Benefits of Rebates Rebates are highly attractive to most consumers. They provide a partial cash reimbursement for their purchases that is tax-free (the Internal Revenue Service views rebates as a reduction in the price paid for a product, rather than as income). And for manufacturers, rebating provides numerous advantages: it induces prospective customers to try their products; it boosts company sales and visibility; it relieves problems of excess inventory; and it attracts interest from retailers, who often help promote the offer and expand the shelf space allotted to the manufacturer's goods accordingly. Rebate promotions can thus help a company increase its leverage with retailers and develop brand loyalty and repeat business among consumers over the long run. Indeed, a study conducted by United Marketing Services (UMS) found that rebates are an effective means of establishing product awareness with consumers. In addition, the information consumers provide on rebate forms can be used to target future promotions. All the while, no cost of implementing mail in rebates is incurred until several weeks after the sale. This sort of Pay as you earn model is valuable because it allows the issuer to maintain liquidity. The Rebate Bank Difference For starters, Rebate Bank extends the issuers liquidity beyond the industry standard. While other

clearinghouses require the issuer to payout around eight weeks after the purchase, Rebate Bank extends liquidity up to six months beyond the merchandise sale date. RB is able to prolong the maturity date because it introduces outside investors into the process. Investor money funds the consumers claim upfront so that issuers can enjoy the added liquidity without affecting the consumer experience. For 10% returns and nominal risk, investors can easily absorb a 6 month period. Most commonly, the consumer sends the rebate form and related "proof of purchase" items to one of several large clearing-houses hired by the manufacturer to handle these transactionsfor instance, the Young America Corporation in Minnesota or the Nielson Clearinghouse in Texas. The clearinghouse then processes the form and sends the consumer a check in the manufacturer's name, usually within four to eight weeks from the time the purchaser mails in the required information but often extending 8 16 weeks. The

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fee charged by the clearinghouse to the issuer is typically 10% of the rebate amount. Rebate Bank will provide this same clearinghouse service with a couple of issuer friendly modifications. First, Rebate Bank clearinghouse fees are nominal or non-existent to the issuer. Rebate Bank will earn its money upfront from the consumer, slicing 20% off the face value of the rebate in exchange for expedited processing. The 20% fee will be shared by Rebate Bank and its investors. The 20% fee will be split based on an auction of the full future value of the rebate. For example, a $100 rebate that will mature in 3 6 months will likely sell for $90 - 99. Within the 3 4 days of the rebate being registered online, Rebate Bank will confirm its authenticity and begin marketing the opportunity as a bond-like instrument with up to 10% return secured by the full faith and credit of the rebate issuer. Rebate Bank uses investor money to pays the consumer 80% of the future rebate value upfront, Rebate Bank keeps the remainder above 80% as its revenue. If investors do not purchase the future value of the rebates, Rebate Bank can fund the upfront capital to the consumer and earn all 20% in premium. At a predetermined maturity date RB will call the funds from the issuer, at which time; the rebate issuer will deliver the full future cash value of the rebate to Rebate Bank. RB will then credit the account of the investor by the full future value i.e. $100.

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Financials Years 1 through 3 with accompanying notes

Rebate Bank
# of rebates redeemed & Unique Page Views

January

February

March

April

May

June

July

August

September

October

November

December

Total

2011 2012 2013

6000 72034

6900 75636

7935 79418

150 9125 83389

320 10494 87558

400 12068 91936

680 13878 119517

1156 18042 155372

1965.2 23454 201984

3340.84 30491 262579

4000 45736 367611

5000 68604 514655

17012.04 252,728 2,111,690

Year 1
Budget Amount Revenue January February March April May June July August September October November December Total

Capital Contribution Rebate redemption Local Ad sales National Ad Sales Email / Mail based Advertising Affiliate marketing Other services and fees Total Revenue Staff / Employees CEO (JD) CTO CFO Marketing / Sales Operations Technical Development Consulting / Accounting Service Support Legal Compliance Total Salaries Operations Rent Banking/Money Transfer fees Equipment & Maintenance Website Design and Maitenance Domain and web hosting Verisign security (Trust Seal) Phone & Internet service Supplies (Office + Lab) Shipping (priority pre - paid envelopes) Allowance for fraudulent rebates Marketing / Sales Total Operations Total Costs Net Revenues Available Cash

$0 $85,060 $1,701 $2,041 $1,361 $2,552 $0 $92,716 $0 $3,500 $0 $0 $0 $2,100 $800 $38,400 $1,400 $0 $46,200 $5,250 $425 $0 $4,250 $847 $300 $0 $950 $25,518 $851 $6,500 $44,891 $91,091 $1,625

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

$500 $0 $0 $0 $0 $0 $0 $500 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $500 $500

$150 $750 $15 $18 $12 $23 $0 $968 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $1,000 $0 $4 $0 $3,500 $0 $0 $0 $0 $225 $8 $500 $4,236 $5,236 ($4,269) -$3,769

$1,000 $1,600 $32 $38 $26 $48 $0 $2,744 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $8 $0 $0 $30 $0 $0 $0 $480 $16 $500 $1,034 $1,034 $1,710 -$2,059

$150 $2,000 $40 $48 $32 $60 $0 $2,330 $0 $500 $0 $0 $0 $300 $0 $0 $200 $0 $1,000 $750 $10 $0 $0 $10 $0 $75 $0 $600 $20 $500 $1,965 $2,965 ($635) -$2,694

$150 $3,400 $68 $82 $54 $102 $0 $3,856 $0 $500 $0 $0 $0 $300 $0 $0 $200 $0 $1,000 $750 $17 $0 $125 $34 $300 $75 $0 $1,020 $34 $500 $2,855 $3,855 $1 -$2,693

$150 $5,780 $116 $139 $92 $173 $0 $6,450 $0 $500 $0 $0 $0 $300 $0 $0 $200 $0 $1,000 $750 $29 $0 $125 $58 $0 $75 $750 $1,734 $58 $500 $4,079 $5,079 $1,372 -$1,321

$150 $9,826 $197 $236 $157 $295 $0 $10,860 $0 $500 $0 $0 $0 $300 $0 $9,600 $200 $0 $10,600 $750 $49 $0 $125 $98 $0 $75 $50 $2,948 $98 $1,000 $5,193 $15,793 ($4,933) -$6,254

$150 $16,704 $334 $401 $267 $501 $0 $18,358 $0 $500 $0 $0 $0 $300 $200 $9,600 $200 $0 $10,800 $750 $84 $0 $125 $167 $0 $75 $50 $5,011 $167 $1,000 $7,429 $18,229 $129 -$6,125

$150 $20,000 $400 $480 $320 $600 $0 $21,950 $0 $500 $0 $0 $0 $300 $200 $9,600 $200 $0 $10,800 $750 $100 $0 $125 $200 $0 $75 $50 $6,000 $200 $1,000 $8,500 $19,300 $2,650 -$3,475

$150 $25,000 $500 $600 $400 $750 $0 $27,400 $0 $500 $0 $0 $0 $300 $400 $9,600 $200 $0 $11,000 $750 $125 $0 $125 $250 $0 $75 $50 $7,500 $250 $1,000 $10,125 $21,125 $6,275 $2,800

$2,700 $85,060 $1,701 $2,041 $1,361 $2,552 $0 $95,416 $0 $3,500 $0 $0 $0 $2,100 $800 $38,400 $1,400 $0 $46,200 $5,250 $425 $0 $4,250 $847 $300 $950 $25,518 $851 $6,500 $44,891 $91,091 $2,800 $2,800

Year 2
Revenue Budget Amount January February March April May June July August September October November December Total

Capital Contributions Rebate redemption Local Ad sales National Ad Sales Email / Mail based Advertising Affiliate marketing Other services and fees Licensing Total Revenue Staff / Employees CEO (JD) CTO CFO Marketing / Sales Operations Technical Development Consulting / Accounting Service Support Legal Compliance (Other position) Total Salaries Operations Rent Banking/Money Transfer fees Equipment & Maintenance Website Design and Maitenance Domain and web hosting Verisign security (Trust Seal) Phone & Internet service Supplies (Office + Lab) Travel & Entertainment Shipping / pre - paid envelopes Allowance for fraudulent rebates Marketing / Sales Total Operations Total Costs Net Revenues Available Cash

$1,263,641 $25,273 $30,327 $1,361 $2,552 $0 $0 $1,323,154 $36,000 $30,000 $30,000 $14,400 $0 $0 $400 $334,099

$30,000 $600 $720 $0 $0 $0 $0 $31,320 $3,000 $2,500 $2,500 $1,200 $0 $0 $0 $11,520 $0 $0 $0 $20,720 $13,000 $200 $0 $0 $0 $0 $200 $400 $0 $9,000 $150 $5,000 $27,950 $48,670 ($17,350) -$17,350

$34,500 $690 $828 $0 $0 $0 $0 $36,018 $3,000 $2,500 $2,500 $1,200 $0 $0 $0 $13,248 $0 $0 $0 $22,448 $13,000 $200 $0 $0 $0 $0 $200 $200 $0 $10,350 $150 $5,000 $29,100 $51,548 ($15,530) -$32,880

$39,675 $794 $952 $0 $0 $0 $0 $41,421 $3,000 $2,500 $2,500 $1,200 $0 $0 $0 $15,235 $0 $0 $0 $24,435 $13,000 $200 $0 $0 $0 $0 $200 $200 $0 $11,903 $150 $5,000 $30,653 $55,088 ($13,667) -$46,547

$45,626 $913 $1,095 $12 $23 $0 $0 $47,668 $3,000 $2,500 $2,500 $1,200 $0 $0 $0 $17,520 $5,000 $1,200 $0 $32,920 $13,000 $200 $0 $0 $0 $0 $200 $200 $0 $13,688 $150 $5,000 $32,438 $65,358 ($17,690) -$64,237

$52,470 $1,049 $1,259 $26 $48 $0 $0 $54,852 $3,000 $2,500 $2,500 $1,200 $0 $0 $0 $20,149 $0 $0 $0 $29,349 $13,000 $200 $0 $0 $0 $0 $200 $200 $500 $15,741 $150 $5,000 $34,991 $64,340 ($9,487) -$73,724

$60,341 $1,207 $1,448 $32 $60 $0 $0 $63,088 $3,000 $2,500 $2,500 $1,200 $0 $0 $0 $23,171 $0 $0 $0 $32,371 $13,000 $200 $0 $3,500 $0 $0 $200 $200 $0 $18,102 $150 $5,000 $40,352 $72,723 ($9,635) -$83,360

$69,392 $1,388 $1,665 $54 $102 $0 $0 $72,601 $3,000 $2,500 $2,500 $1,200 $0 $0 $0 $26,646 $0 $0 $0 $35,846 $13,000 $200 $0 $125 $0 $0 $200 $200 $0 $20,818 $150 $5,000 $39,693 $75,539 ($2,938) -$86,297

$90,209 $1,804 $2,165 $92 $173 $0 $0 $94,444 $3,000 $2,500 $2,500 $1,200 $0 $0 $0 $30,643 $0 $0 $0 $39,843 $13,000 $200 $12,000 $75 $0 $0 $200 $200 $0 $27,063 $150 $5,000 $57,888 $97,731 ($3,287) -$89,584

$117,272 $2,345 $2,815 $157 $295 $0 $0 $122,884 $3,000 $2,500 $2,500 $1,200 $0 $0 $0 $35,240 $5,000 $1,200 $0 $50,640 $13,000 $200 $100 $35 $0 $0 $200 $200 $500 $35,182 $150 $5,000 $54,567 $105,207 $17,678 -$71,906

$152,454 $3,049 $3,659 $267 $501 $0 $0 $159,930 $3,000 $2,500 $2,500 $1,200 $0 $0 $200 $40,526 $0 $0 $0 $49,926 $13,000 $200 $100 $35 $0 $0 $200 $200 $0 $45,736 $150 $5,000 $64,621 $114,547 $45,383 -$26,523

$228,681 $4,574 $5,488 $320 $600 $0 $0 $239,663 $3,000 $2,500 $2,500 $1,200 $0 $0 $200 $46,605 $0 $0 $0 $56,005 $13,000 $200 $100 $35 $0 $0 $200 $200 $0 $68,604 $150 $5,000 $87,489 $143,494 $96,169 $69,645

$343,021 $6,860 $8,233 $400 $750 $0 $0 $359,264 $3,000 $2,500 $2,500 $1,200 $0 $0 $53,596 $0 $0 $0 $62,796 $13,000 $200 $100 $35 $0 $0 $200 $200 $0 $102,906 $150 $5,000 $121,791 $184,587 $174,677 $244,323

$0 $1,263,641 $25,273 $30,327 $1,361 $2,552 $0 $0 $1,323,154 $36,000 $30,000 $30,000 $14,400 $0 $0 $400 $334,099

$0 $444,899 $156,000 $2,400 $12,400 $3,840 $0 $0 $0 $2,600 $1,000 $379,092 $1,800 $60,000 $619,132 $1,064,032 $259,123

$0 $444,899 $156,000 $2,400 $12,400 $3,840 $0 $0 $2,600 $1,000 $379,092 $1,800 $60,000 $619,132 $1,064,032 $244,323 $244,323

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Year 3
Revenue Budget Amount January February March April May June July August September October November December Total

Capital Contributions Rebate redemption Local Ad sales National Ad Sales Email / Mail based Advertising Affiliate marketing Other services and fees Total Revenue Staff / Employees CEO CTO Marketing / Sales CFO Operations Technical Development Consulting Service Support Legal Compliance (Other position) Total Salaries Operations Rent Banking/Money Transfer fees Equipment & Maintenance Website Design and Maitenance Domain and web hosting Verisign security (Trust Seal) Phone & Internet service Supplies (Office + Lab) Travel & Entertainment Shipping / pre - paid envelopes Allowance for fraudulent rebates Marketing / Sales Total Operations Total Costs Net Revenues Available Cash

$10,558,449 $25,273 $30,327 $20,218 $37,909 $0 $10,672,177 $108,000 $66,000 $60,000 $102,000 $54,000 $42,000 $4,800 $434,329 $60,000 $6,000 $0 $937,129 $312,000 $3,600 $1,803,400 $15,340 $75 $300 $0 $1,200 $14,000 $3,167,535 $6,000 $1,055,000 $6,378,450 $7,315,579 $3,356,598

$360,172 $600 $720 $480 $900 $0 $362,872 $9,000 $5,500 $5,000 $8,500 $4,500 $3,500 $400 $14,976 $5,000 $500 $0 $56,876 $26,000 $300 $200 $0 $0 $0 $300 $100 $0 $108,052 $500 $5,000 $140,452 $197,328 $165,545 $165,545

$378,181 $690 $828 $552 $1,035 $0 $381,286 $9,000 $5,500 $5,000 $8,500 $4,500 $3,500 $400 $17,222 $5,000 $500 $0 $59,122 $26,000 $300 $200 $0 $0 $0 $300 $100 $0 $113,454 $500 $5,000 $145,854 $204,977 $176,309 $341,854

$397,090 $794 $952 $635 $1,190 $0 $400,661 $9,000 $5,500 $5,000 $8,500 $4,500 $3,500 $400 $19,806 $5,000 $500 $0 $61,706 $26,000 $300 $200 $0 $0 $0 $300 $100 $0 $119,127 $500 $5,000 $151,527 $213,233 $187,428 $529,282

$416,944 $913 $1,095 $730 $1,369 $0 $421,051 $9,000 $5,500 $5,000 $8,500 $4,500 $3,500 $400 $22,777 $5,000 $500 $0 $64,677 $26,000 $300 $200 $0 $0 $0 $300 $100 $2,000 $125,083 $500 $5,000 $159,483 $224,160 $196,891 $726,172

$437,792 $1,049 $1,259 $840 $1,574 $0 $442,514 $9,000 $5,500 $5,000 $8,500 $4,500 $3,500 $400 $26,193 $5,000 $500 $0 $68,093 $26,000 $300 $200 $15,000 $0 $0 $300 $100 $0 $131,337 $500 $5,000 $178,737 $246,831 $195,683 $921,856

$459,681 $1,207 $1,448 $965 $1,810 $0 $465,112 $9,000 $5,500 $5,000 $8,500 $4,500 $3,500 $400 $30,122 $5,000 $500 $0 $72,022 $26,000 $300 $1,800,000 $0 $0 $0 $300 $100 $0 $137,904 $500 $1,000,000 $2,965,104 $3,037,126 ($2,572,015) -$1,650,159

$597,585 $1,388 $1,665 $1,110 $2,082 $0 $603,831 $9,000 $5,500 $5,000 $8,500 $4,500 $3,500 $400 $34,640 $5,000 $500 $0 $76,540 $26,000 $300 $400 $125 $75 $300 $300 $100 $0 $179,276 $500 $5,000 $212,376 $288,916 $314,915 -$1,335,244

$776,861 $1,804 $2,165 $1,443 $2,706 $0 $784,980 $9,000 $5,500 $5,000 $8,500 $4,500 $3,500 $400 $39,836 $5,000 $500 $0 $81,736 $26,000 $300 $400 $75 $0 $0 $300 $100 $4,000 $233,058 $500 $5,000 $269,733 $351,470 $433,510 -$901,734

$1,009,919 $2,345 $2,815 $1,876 $3,518 $0 $1,020,474 $9,000 $5,500 $5,000 $8,500 $4,500 $3,500 $400 $45,812 $5,000 $500 $0 $87,712 $26,000 $300 $400 $35 $0 $0 $300 $100 $0 $302,976 $500 $5,000 $335,611 $423,323 $597,151 -$304,583

$1,312,895 $3,049 $3,659 $2,439 $4,574 $0 $1,326,616 $9,000 $5,500 $5,000 $8,500 $4,500 $3,500 $400 $52,684 $5,000 $500 $0 $94,584 $26,000 $300 $400 $35 $0 $0 $300 $100 $0 $393,869 $500 $5,000 $426,504 $521,087 $805,529 $500,946

$1,838,053 $4,574 $5,488 $3,659 $6,860 $0 $1,858,635 $9,000 $5,500 $5,000 $8,500 $4,500 $3,500 $400 $60,586 $5,000 $500 $0 $102,486 $26,000 $300 $400 $35 $0 $0 $300 $100 $4,000 $551,416 $500 $5,000 $588,051 $690,537 $1,168,097 $1,669,043

$2,573,275 $6,860 $8,233 $5,488 $10,291 $0 $2,604,147 $9,000 $5,500 $5,000 $8,500 $4,500 $3,500 $400 $69,674 $5,000 $500 $0 $111,574 $26,000 $300 $400 $35 $0 $0 $300 $100 $4,000 $771,982 $500 $5,000 $808,617 $920,192 $1,683,955 $3,352,998

$0 $10,558,449 $25,273 $30,327 $20,218 $37,909 $0 $10,672,177 $108,000 $66,000 $60,000 $102,000 $54,000 $42,000 $4,800 $434,329 $60,000 $6,000 $0 $937,129 $312,000 $3,600 $1,803,400 $15,340 $75 $300 $1,200 $14,000 $3,167,535 $6,000 $1,055,000 $6,378,450 $7,315,579 $3,352,998 $3,352,998

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Key Milestones Year 1 The design and content for the Rebate Bank website is completed. Layout and style of the site has been finalized and will soon be ready to enter Beta testing phase. A functional amount of content will be available to educate consumers, issuers, and investors that might visit the site to gather information. Though the site will undoubtedly experience several changes, the first draft will have complete information so not to discourage first-time visitors from coming back. $3500 will be invested in April to update the Rebate Bank web site. A soft launch will be arranged late April 2011before delivering Beta stage in May 2011. By May 2011, RB will need to finalize means to accept consumer checking account information and facilitate automatic credits. This will also require creating necessary bank accounts. RB has already started talks with legal representation to insure the integrity of the business process. With the

commencement of a multi-state advertising campaign in September, Rebate Bank anticipates attracting at least 1% of the north east market for this holiday season or approximately 5000 rebates. If Beta testing can start as anticipated in July 2011, having proven the technology through four months of testing, RB will be well positioned to manage the claims. A major priority is to have the online intake system fully vetted for the Thanksgiving / Black Friday shopping weeks leading up to Christmas and through New Years. Seasonal marketing will promote Rebate Bank to shoppers as extra income to protract consumer spending power. To accomplish our sales targets, $5,000 will be allocated towards marketing each month in July, August, and September. To support the new claims RB will hire 5 seasonal employees at $12 / hour to process and provide customer support. This will cost approx $9,600 each month including additional tax liability. Each employee will need to process approx 40 claims per day to satisfy the ~10,000 claims through the season. Within a 9 hour work day, that is 5 claims per hour. Just enough to stay busy while still greeting customers in an enthusiastic and courteous manner. Riding the heels of the holiday season, Rebate Bank will establish itself as the preferred alternative for consumers. Momentum of the holiday season is expected to roll into year 2. Key Milestones Year 2 Having redeemed 5000 rebate in December, January 2012 will see a 20% jump still benefiting from the holiday shoppers. January, Rebate Bank will move to a facility and pay rent of up to 13,000 per month. RB anticipates 15% growth in sales month over month through the first half of the year. Prior to

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purchasing the first set of Rebate Bank Kiosks in August, management will look to raise 45,000 in June to fund a national media advertising campaign. In August, 20 Rebate Bank kiosks will be installed with major retailer in large sample markets. While new kiosks might sell for $1500, a refurbished unit with new software will cost approximately $600. Management also hopes to hire a Chief Tech Officer (part-time) at 30k year. The CEO and CFO will ratchet up salary to a living wage at the beginning of year 2, elevating to 36k and 30k respectively. With the addition of the new in-store kiosks, management expects sales to increase to 30% month over month for August, September and October of 2012. Through the 2012 holiday season, we expect to see a 50% increase in month over month sales. This will end the year having processed 252,729 rebates and added 20 new kiosks in retail stores.

Key Milestones Year 3 Management expects things to settle in with a steady 5% increase in sales month over month for the first half of the year. June will host the largest marketing campaign to date. With a million dollar budget, the campaign will be preceded by the installation of 3000 kiosks across national retailers. The capital

investment is anticipated to increase sales month over month by 30% through October. The holidays will add a 10% bump through year three. Rebate Bank will end year three having redeemed 2.1 million rebates, about .5% of the market share.

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Exhibit 6 The rebate bank priority pre-paid envelope with clear instruction printed directly on the envelope

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