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Global Online Deposit, Withdrawal,Transfer and Payment portal with(.9999) fine gold.

Content:Our Services.4Internet payment & transfer services.7Mobile payment & transfer services.8Mobile App payment & transfer services.9VISA/MC cards.10Point of Sales terminals.11

Our ServiceseBanco is a registered trade name at IBSP Hong Kong Ltd and its purpose is tofacilitate for private persons and corporations world-wide a new way to makeinstant deposits, withdrawals, transfers and payments with Fine Gold (.9999),with minimum 0.01 gram per gold account. The gold is isolated from monetarycurrencies but at the same time connected to all world-wide currencies and canbe purchased and sold online or via local resellers.Users can connect their gold account to a VISA, MasterCard or UnionPay serviceand by this spend their gold world-wide in millions of shops and ATMs forpayments and withdrawals. It is also possible to download virtual eBanco VISA,MasterCard or UnionPay cards to smart phones for payment with NFC technology.eBanco uses well known auditors like PWC (PricewaterhouseCoopers) and EY(Ernst & Young) for total transparency of the company and all funds uploaded toeach corporate and private gold accounts.In comparison with other web-based gold providers, eBanco offer its users tocreate up to 10 different gold accounts such as; daily spending accounts, salaryaccounts, eBanco card accounts, savings accounts, investment accounts, charityaccounts and merchant accounts for point of sales terminals.As an eBanco gold account holder, the users secure their assets as they are notdepending on banks and currency fluctuations, since the gold accounts are ingrams of gold and not connected to one specific currency alone.If the banks and the world economy become unstable, the gold will still be in asafe location (BRINKS) and not destroyed through super inflation or deflation.4eBancowww.ebanco.se

The world economy is becoming more and more unstable and as governmentsand banks desperately try to keep and protect the current financial system, it isof great importance to act and secure the future with solid assets as gold.Most bank account holders are today protected by a limited (100000 Euros)governmental guarantee if the bank goes bankrupt or get insolvent. All eBancousers get 100% guarantees as all eBanco users are owner of their gold at theirgold accounts. This means that the eBanco account holders are the sole owner ofthe gold deposited at their gold accounts.All eBanco account holders’ gold is stored at BRINKS approved vaults at fivedifferent locations world-wide and all eBanco gold account holders are able towithdraw the gold and get the gold sent to their address or to a location of theirchoice.Each user can earn bonus in gold to their gold account monthly by finding friendswho start to use the transfer and payment services. Each user can recommendup to 100 friends per day by using our app, and earn bonus in gold from all ofthem. A recommendation to a friend can only be done by one user.It is possible to purchase gold online with instant bank transfer or with any creditor debit card or purchase the gold at local resellers in each country. The paidmoney is held and kept as fine gold at the users gold account at BRINKS securityvaults and is not used for speculation as done in most banks.The eBanco system facilitates for company web-shops and merchants to cut theirtransaction costs dramatically as eBanco use gold for transfers and payments.Users can online convert and view their gold account to different currencies.The eBanco system is based on cloud technology and includes thefollowing services: www.ebanco.seCore payment and transfer servers with disaster recovery systemSystem database with management administrationDesktop internet payment and transfer serviceMobile phone internet payment and transfer serviceMobile phone App (application) for payment and transferMobile phone with encrypted SMS for payment and transferMobile Point of Sales (POS) with biometric authenticationATM s for withdrawal and deposit with recycle functionReseller administration for third world unbanked peoplePayment cards with VISA, MasterCard or UnionPay connectionCorporate payment and transfer with split user moduleCorporate bulk salary moduleVirtual gold account moduleeBanco5

Interest moduleMicro loan modulePeer to Peer loan moduleLoan moduleExchange gold/currency display moduleRemittance moduleLanguage moduleSMS/USSD moduleSuper management, branch management and tellers administrationOnline customer service and call centre supportEducation and trainingThe eBanco internet based gold payment & transfer services does not suffer fromfraud problems, as do traditional internet based payment and transfers. In thisway, fraud prevention has become an essential ingredient in the success of alldifferent modes of financial transfers.eBanco has leveraged digital security from Ardy Electronics Ltd, a world leader insecurity technology and its 30 years in secure communication, in order torespond to these needs by offering the most secure Cloud Solution on themarket, providing a comprehensive set of services.VISA / MC cardsMobile POS terminalsGOLD Reseller (Buy/Sell)GOLD Online (Buy/Sell)eBanco gold accountATM terminals (W/D)Totallyisolated coreeBanco hubsystemBank transfersBRINKS gold vaultEach area outside the core eBanco hub above is operated by companies approvedby financial institutions where the eBanco system act as an isolated hub and onlyget online feedback for done transactions and payments converted to fine gold(grams of gold).6eBancowww.ebanco.se

Internet payment & transfer servicesThe eBanco services include an online internet payment & transfer functionwhere all registered customers get a free private gold account and registeredcorporations get a free corporate gold account which can be used as salaryaccounts and business accounts. Each user can manage their gold accountsdirectly from the internet.Available Internet payment & transfer services are: www.ebanco.seRegister of new customersSecure mobile App with Secure-ID loginCheck gold account balance, indicated to different currenciesAccount over view in currency and grams of goldCreate new accounts in currency and grams of goldLatest transactionsTransaction overviewPayment of billsTransfer to own and other accounts in currency and grams of goldCreate direct transfers to new not registered customersOnetime SMS authentication code for transfer and paymentCreate templates for payment or transfer to external banks via Swift.Scheduled future payments and transfersReseller functions; register customers with ID, withdrawal, depositMerchant POS payments with full merchant administrationCorporate bulk salary and split user corporate paymentsSettings of contact informationUsers guides for HelpeBanco7

Mobile payment & transfer servicesThe eBanco services include an online mobile internet payment & transferfunction where all registered users get a free private gold account and registeredcorporations get a free corporate gold account which can be used as salaryaccounts and business accounts. Each user can manage their gold accountsdirectly from a mobile smart phone.Available Mobile payment & transfer services are: 8Register of new customersSecure mobile App with Secure-ID loginCheck gold account balance, indicated to different currenciesAccount over view in currency and grams of goldCreate new accounts in currency and grams of goldLatest transactionsTransaction overviewPayment of billsTransfer to own and other accounts in currency and grams of goldCreate direct transfers to new not registered customersOnetime SMS authentication code for transfer and paymentCreate templates for payment or transfer to external banks via Swift.Scheduled future payments and transfersReseller functions; register customers with ID, withdrawal, depositMerchant POS payments with full merchant administrationCorporate bulk salary and split user corporate paymentsSettings of contact informationUsers guides for HelpeBancowww.ebanco.se

Mobile App payment & transfer servicesThe eBanco services include Apps for iPhone and Android for easy and fastoperation. Secure login, transfer and payment are done with secure-IDauthentication. The Apps include both private and corporate banking.Available payment & transfer services via our app are: www.ebanco.seRegister new customersHandle your accounts in currency and grams of goldShare the App via SMS to friends and earn gold bonusDigital authentication Secure ID-login to websiteTransfer to other mobile accounts in currency and grams of goldTransfer to new not registered customers mobile phone numbersPayment of bills with camera scannerFast balance of main mobile account in currency and grams of goldCheck all accounts balance in currency and grams of goldOrder e-mail account statementsCard less ATM withdrawals for anyoneEncrypted SMS transactions if internet is not availableCreation of onetime, specific amount virtual eBanco cardCreation of reloadable virtual eBanco card via NFC with PIN codeSettings of contact informationUsers guides for HelpeBanco9

VISA, MasterCard or UnionPay cardsThe eBanco services include payment cards connected to VISA, MasterCard orUnionPay through external financially approved companies with instant uploadingof money to any card connected to other banks or to the eBanco gold cardaccount. Users can upload any local currency to any existing VISA or MasterCard.The eBanco card works instant world-wide at many millions of shops and ATMs.Users can get VISA or MasterCard as plastic or virtual cards to their smart phone.Available payment card services: 10eBancoeBanco plastic corporate cards, connected to a gold account withVISA, MasterCard or UnionPay.eBanco plastic personal cards, connected to a gold account withVISA, MasterCard or UnionPay.eBanco gold account connected to any other world-wide bank card withVISA or MasterCardInstant online uploading of funds to eBanco card and other bank cardsInstant online transfer between eBanco gold card accounts world-wideLocal designed and closed loop eBanco debit and credit cardseBanco virtual one time VISA or MasterCard from our AppeBanco virtual reloadable VISA or MasterCard with NFC and PIN codeOnline payment at millions of Point of Sales terminals world-wideOnline withdrawal at millions of ATM terminals world-wideeBanco gift cardseBanco bonus cardswww.ebanco.se

Point of Sales terminalsThe eBanco services include different mobile operated POS terminals withmerchant administration, connected to external companies with financialapprovals for high speed payments with contact less NFC, chip or magstrippayments. Our POS terminals process most world-wide bank cards supportingdifferent currencies and are EMV and PCI approved.Available merchant and POS services: www.ebanco.sePayment with NFC, chip or magstrip cards, local debit or credit cards,Visa, MasterCard or Union PayWithdrawal of cash from merchant with onetime SMS code or fingerprintDeposit of cash to merchant with onetime SMS code or fingerprintRemittance to family or other eBanco account holdersOnline gold to currency exchange ratesCashiers login to merchant accountPayment splitter to different accountsCustomer receipt from connected smart phone printerTest of POS device, GPRS communication.Online upload of new firmwareOnline log of POS handlingOnline cashier logout reporteBanco11