Electronic Transactional

Payroll Delivery Software

Virtual e WalletDomestic & International

Manage your money with

ease and organization.

Take your banking to a whole new level.

Think of Virtual Wallet as a high-definition view of your money — you’ll have a clearer picture of your finances and a better understanding of your financial status. Virtual Wallet puts the control in your hands.

What makes Virtual Wallet so unique (and essential) is what it comes with. There are tons of

features you may usually take for granted built right in: Payroll

Delivery (No More Checks) Online Bill Pay, Overdraft Protection,

Reminders,, a high-yield savings account, even the ability to quickly transfer funds between accounts.

And that’s not even getting into the good stuff like the Medical Program

& Credit Rebuilding Services.

Cash Management:

The funds for each and all of the Virtual Cards (e-Wallet) are commingled and held in a single FDIC insured bank account.The Money Remitters settle the funds for the previous day’s activity via ACH and deposits the total dollars in our Bank Account created especially for the virtual cards.In turn, our HOST system manages all of the individual balances for each of the Virtual Cards and whenever the cardholder elects to spend their cash value with an authorized Biller with whom we may have a direct or indirect relationship, the value of the funds held in the Virtual Card are debited and then settled in time though our “Payment Processing Gateway” system with each Biller by the way of an ACH transfer.

Our Virtual Wallet

Proprietary Platform Partner features include:

All system and business functions in-house

Direct connection to all major networks

Issuer certified by major networks

Fault tolerant hardware platform

Large scalable platform

Redundant data centers

Alternate routed communication facilities

Back-up generators

24x7 On-site Control Center

24x7x365 In-house live operator customer service

As a quick introduction and background, the Virtual Card / e-Wallet is similar to any “Stored

Value” product as it is not really a “Bank Account” yet its behavior and

characteristics are very similar to a bank account.

The software we have created is capable of but not limited to managing such basic activity as

shown below:

Just like a Bank Account, the e-Wallet can have the following attributes:

• It can be created and assigned to a customer.

• It can hold a Positive, or a Negative Dollar Value, referred to as the “Account Balance”.

• It can have a Dollar Value Added to it

• It can have a Dollar Value Subtracted from it

Payroll Delivery

Payroll stays in your account until dispersed from your bank account.

Payroll is instantaneous to employees account, From 1 to 1 million.

All Accounts are FDIC Insured

All Transactions are done in Real Time

Employee can also load money from any Wal-Mart ( Money Gram Location )

W-2 Reporting also available on line

No longer do you have to issues payroll checks.

No longer do you have to pay for overnight delivery Services.

Cut your payroll cost up to 80%

No more issuing checks because of lost or stolen checks from your

employee.

No more payroll advances to employees going on vacation

Give your Employee’s

Choices

1. Employee can Download there money to a Payroll Debit MasterCard In real time

2. Employee May elect to pay all of there bills using our Bill Pay

3. Employee May Elect to receive all there pay by requesting us to issue a paper check sent by US Mail.

4. Employee May elect to Transfer funds to their Bank Checking or Savings Account from the Wallet

5. Employee May transfer part or all of there pay to another wallet or family member issued a wallet , anywhere in the world.

6. Employee can send money to any bank in the world via Wire Transfer

Our Systems allows your employee the choice of how

he or she receives there payroll from there employer.

We give the employee the following choices on

dispersing there money from there wallet.

Integration of the e-Wallet & Card Management API to Merchant

WebsiteWe have developed an extensive API (Application Programming Interface) that can be utilized by the Merchant to issue in real-time both e-wallet & MasterCard Debit Card accounts to their customers / Employees / members.

The API will allow the following functionalities:Enroll Account HolderIssue e-Wallet AccountIssue ATM Debit Card/ Domestic MasterCard Load Value to e-Wallet / MasterCard Debit CardRedeem Value from e-Wallet / Debit CardCheck e-Wallet / Debit Card Account BalanceOptional – Generate Statement of activityOptional – Change e-Wallet StatusOptional – Change e-Wallet PIN

Hosting, Processing, and ASP Services

Once the Merchant account has been established, initialized, and certified, the Merchant then can begin utilizing either the API interface or Web-Application to process transactions. As an Application Service Provider (ASP) and processor BEST Inc. will continue to support the merchant thus allowing for seamless processing and customer service tools that will enable the Merchant to offer their customers / members the most cost effective and efficient payment delivery system. Merchant utilizing Our Payment Gateway & e-Wallet / Card Management services will be able to enjoy the following benefits: Receive Guaranteed Payment notification and Data in Real-TimeReduce their cost of accepting paymentsReduce the risk & losses associate with accepting payments through other methods.Capture customers who may not be banked or have reached limits on their Credit CardsOffer their customers a payment solution that protects their customer’s identity & privacy.Deliver products & services sooner than later, and in some cases in real-time.

Our Employee Benefits Program,

No Cost To The Employer

It’s Convenient. With Bill Pay you don’t have to leave your home to pay your bills. Payments can be sent by phone or online. By using Bill Pay to pay all your bills, you no longer have to wait in long lines at check cashing centers to buy money orders or inconvenience yourself with going to the post office to mail your payments. It's Fast. Sending money through Bill Pay only takes a few minutes. If you send your payment electronically through EFT, your payment will be received within a few days. If your payment is sent by a check, allow 5 business days for delivery. It's Easy. To setup a payment, all you need to provide is who and where you would like your payment sent.

We have 9000 Bill Payers on our service so when used your payment will reach the biller in 24 hours electronically. Payments can be setup for weekly, bi-weekly, monthly, bi-monthly, or every few months, helping eliminate the possibility of late charges. Also, by using Bill Pay to pay your bills you eliminate having to pay for money orders or stamps. It's Guaranteed. Since we keep track of all your payments processed through Bill Pay, you can rest assure your bill is guaranteed to be paid. When a payment is sent Best Inc will email you a confirmation that your payment was successfully processed. You no longer have to worry about your payment being lost in the mail or loosing a cash payment on your way to a check casher.

Bill Pay is a handy tool to help make sure you pay your bills on time (or, if you prefer, ahead of time). Simply set up all of your recurring bills with Virtual Wallet Online Bill Pay, and when the day comes, they’re paid automatically. You can also make payments that aren’t monthly — such as sending checks to people (for

example, rent to your landlord or money to your parents) or making one-time bill payments. A great part of this feature is

that after you set up a one-time payment, that person or business information is saved for later use.

Overdraft Protection

Overdraft Protection - A service that allows the customer to use their MasterCard for an amount over and above the amount on their Card. Funds are transferred from their line of credit or other designated account to their MasterCard account as needed.

Loan advances as approved by Best apply to any funds obtained from Our Lenders Bank that may exceed the funds available on your Best MasterCard account. Best would automatically advance funds onto your Best Card account to cover items that would cause an overdraft

Our Overdraft Protection

1. Everyone is approved

2. Must use our Card Program

3. Must use Bill pay Service

4. We only Charge $2.50 Dollars for every $ 20.00 Advanced.

5. Cash Advanced directly to card, Repayment from next deposit to card, all or in payments

6. Max advance is 300.00

7. Must have been using our service / Card min of 3 months

Credit Builder Get credit for your bill pay transactions.

Build your payment history when you use BEST INC Bill Pay Demonstrate your credit worthiness when applying for housing, credit, insurance, employment, and phone It's simple – use BEST Bill Pay to pay all your bills such as rent, utilities, cable, insurance, and more It's

This is how it works: Activate BEST Bill Pay and add the FREE Account Now Credit Builder service. Every time you make a bill payment with BEST Bill Pay, we will send your bill payment information to Provider, a national credit reporting agency. Build a bill payment history to demonstrate your credit worthiness when applying for housing, credit, insurance, employment, phone, and utility hook-up by doing what you already to today - - paying your rent, electric, cable, insurance, and phone bills on time. Only Bill Pay transactions will be shared with provider. Regular debit transactions using your BEST Prepaid MasterCard will not be reported to our Provider.

Payment Reporting Builds Creditor will compile your bill payment information and create a Bill Payment Score. OUR PROVIDER is a credit reporting agency just like Experian, Trans Union, and Equifax, but it is the first to give consumers a choice and an equal opportunity to show that they pay their bills on time. Also, unlike the other national credit bureaus, PROVIDER does not charge consumers to view their own data, and does not sell mailing lists. Provider makes money by selling credit reports for "permissible purposes" under the Fair Credit Reporting Act, with a consumer’s authorization.

You will be able to log-in to our provider, create a user name and password so you can review your personal file, add account information at any time -- all at no cost. Who may use the Provider’s information: Home loan associations like Freddie Mac and Fannie Mae and Citicorp Mortgage use bill payment information as part of their decision making process for home loans. Soon, other companies including auto loan, credit card, and insurance companies may start using Bill Payment Scores to comply with the Nation's Fair Housing and Fair Lending laws.

INCREASE YOUR CREDIT SCORE BY 80 TO 100 POINTS

AFTER ONE YEAR OF USING OUR BILL PAY SERVICE

Our Provider will only release your bill payment information with your permission to authorized Provider subscribers who have a "permissible purpose" under the FAIR Credit Reporting Act to view it. How can paying bills help qualify for a loan? As an example, a consumer may be eligible for an FHA loan if that consumer can demonstrate they have 12-months of consecutive on-time bill payments that include a housing payment such as rent or a mortgage, and at least 3-other bills such as electric, cable and phone. Credit Builder is an optional service that is made available to you at no additional cost as part of the BEST bill payment service. Credit Builder is only a service that provides your payment history to our Provider, a national credit reporting agency. Credit Builder does not repair your credit record, credit history or credit rating. It also does not provide advice or assistance for the improvement or repair of your credit record, credit history or credit rating.

Credit Restoration Services

Credit Restoration: This service is designed to correct or delete derogatory information contained on your credit reports with the 3 major credit reporting agencies (Trans Union, Experian, and CSC a.k.a. Equifax).  If you have information contained on your credit reports such as: Late Payments, Collections, Judgments, Tax Liens, Repossessions, Charge Offs, Foreclosures, or Bankruptcy Items that you believe may be inaccurate, misleading, outdated, obsolete or no longer able to be verified, Credit TRAX, with your authorization, can request that the creditors and credit reporting agencies investigate the validity, accuracy and/or ownership of these accounts.  If the accounts you have authorized us to dispute on your behalf are found to be inaccurate or unverifiable, they are required by law to be corrected or deleted from your credit history.  Each item deleted or corrected can potentially raise your credit scores, potentially saving you hundreds and even thousands of dollars in interest, down payments and insurance premiums.

Debt Settlement:  This service can help you settle BAD Unsecured Debts (Credit Cards, Personal Loans, Medical Collections) for an average of 25-65% of what you owe and allow you to pay your settlements over a 12, 24 or up to 36 month period of time, providing you with the ability to make affordable monthly payments that can fit into your budget and get rid of your Bad Unsecured Debts.  This service can also eliminate harassing creditor phone calls, help you to avoid Bankruptcy and potentially save you thousands of dollars in attorney fees, penalties, interest, late fees and even principle.  In order to qualify for the E MERGE Debt Settlement program, you must have at least $8,000 in unsecured debt.  Quick Note:  This program does not settle debts that are in good standing, debts on loans or lines of credit that are backed by collateral such as: real estate, automobiles or other forms of personal property or debts that you have already been sued over or have a judgment against you for.  This is the best, most affordable and proactive way to resolve your past debt problems, to avoid additional penalties or potential legal action.

Introducing the Future of Affordable

Medical Benefits

Talk to a Doctor...Right Now!

TelaDoc Medical Services is a national network of licensed physicians who diagnose routine, non-emergency, medical problems via the telephone. TelaDoc consulting physicians recommend treatment and prescribe medication (when appropriate) over the telephone 24/7. You can access the service wherever you happen to be: your home, office, hotel room, or vacation campsite.

An estimated 70-75% of all primary care medical cases can be diagnosed over the telephone. TelaDoc has created a more cost effective and more convenient way for employers and employees to access quality medical care.

TelaDoc is built on three key principles:

1. Accessibility

TelaDoc consulting physicians are available 24/7/365 via telephone.

Consults are typically conducted within one hour of the request and guaranteed within three or it is free!

2. Affordability

Flat $35 fee per consult - comparable to co-pays and far less expensive than the cost of a primary care or urgent care facility office visit ($80-$200).

3. Convenience

Medical Benefit Con’t Scheduling a consult is as simple as

pointing and clicking or dialing a phone.

Portable personal health record allows individual management of health profile.

TelaDoc is a cost containment service and a value-add service for self insured companies, uninsured, and under insured organizations.

Employer Benefits

Reduces healthcare costs

Increased productivity

Reduced absenteeism

A new, proactive health benefit for employees

Improves HSA benefit satisfaction

Enhances wellness program

$35

Loading Your

e Wallet

Your Wallet can be loaded at the following Locations.

1. Employer

2. Money Gram Locations ( All US Wal-marts)

3. All Banks US & International (Wire Transfer)

4. You may Load from your Checking or Savings Account

5. From Your Bank Accounts

Please Contact Us NOW!

E Merge Financial Business Solutions LLC

NewStart Inc Agent Office

www.emerge.global.com

Call Toll Free

(888)-239-5558 Ext. 1

Local # (303) 719-3106

Contact Mr. Dean Golden

dean.golden@gmail.com