José Smeke/CEO

SPECIAL PRESENTATION

Home Terminal Solutions

1737 North 1st Street Suite 110 San Jose CA, Zip 95112Tel: 408-398-8913

hts@mybill-e.com

MyBill-e.com Personal Payments Administrator

• Check online accounts payable can be a tedious task.• On average a person receives information from 7 accounts per month. (3)

• To the average user takes a long time to perform online operations.• Other organizers of payments are largely inaccessible and impersonal.

THE PROBLEM

Home Terminal Solutions

Source: (3) USPS

Source: FTC, AMIPCI

BACKGROUND

Home Terminal Solutions

27.6M Mexican internet users

64% already banked (10.4M)Only15.6% perform online banking (3.5M)

• 67% of internet users visit more than 1 banking web site per month.• 68% Only perform credit card or utilities bill payments and check account balance.• 9 of every 10 financial institutions have a site for online consulting.

THE OPPORTUNIT

Y

Home Terminal Solutions

• Today more than 250M perform e-banking worldwide.• Only 29M users in LAC performing e-banking today • Potentially 157M non online baking users are

unattended. • Users seeking for an easy and convenience way to

organized bills.

The industry now:• Solutions as intuit generate incomes for more than $1 billion us.• Mint (Recently acquired on $170 MDD) consolidate 1.5M users in 2 years. (1)• Visa Acquired on April 2010 a micro payment processor in $2B us. (2)

Source : (1) http://pymecrunch.com/category/web/page/2. (2) Mercury news

How do Mexicans pay bills today? check Online Fixed C/C

END USER

Home Terminal Solutions

Our Tool was designed for users of financial Institutions with recurrent debt that allows them to:

View and pay al your bills

Get uncommon payments organized

Set personal alerts at your

schedule

Measure Outcomes with tool Manager*

Redirect button on providers

websites*

1 2 3 54

OUR SOLUTION

Home Terminal Solutions

Our web solution is capable ofresume all your accounts in one screen. Providing easy tools to do something thats tedious and complex.

USER BENEFITS

Home Terminal Solutions

Reportes aun no disp.*

• Customize and summarizes all your accounts in one place.• Offers alternatives to Get benefits on your purchases. • Reconcile users payments directly with providers.• It is free to use and rewards users who save.

VALUE PROPOSITIO

N

Home Terminal Solutions

OUR VALUEProviding a channel to access an audience waiting for better returns over their services.

Opportunity

Server HTS

P. gateway

Front services

Encryption

SSL

delivery

Web SearchMyBill-e

PCI

Interaction

AmountExp. DateSummary

Encryption process and delivery of the information..

HOW DOES IT WORK?

Home Terminal Solutions

Providers

Banks

Clients

Home Terminal Solutions

COMPETITORS

SERVICE PERSONALIZED • • • • • • ALLOWS CONSULTING FROM OTHER F. INSTITUTIONS • • • • • ALLOWS UTILITIES CONSULTING • ALLOWS ONLINE BILL PAYMENTS • • • KEEPS RECORDS ON CONFIDENCIAL INFORMATION • • • • • • HAS INTERNACIONAL PRESENCE • • ORGANIZED USERS ACCOUNTS BY HISTORY • • CONFIGURE PERSONAL REMINDERS BY MAIL, SMS OTHER ALLOWS TO SET UP RECURRENT PAYMENTS • • • REWARD USERS OVER THEIR SAVINGS LICENSE REQUIERED OR MONTHLY SUBSCRIPTION • • TRACKS ONLINE PERSONAL FINANCE • • • • DEBT RELIEF SOLUTION • • • MOBILE APPS. AVAILABLE o

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• Most work as tracking Online Finance, only in U.S. and U.K.

 The rest require approval from the supplier. Pagatodo.com only operates in Mexico today.

Our solution is ready for developing countries in LAC.

JOSE SMEKE, Chief Executive Officer Smeke has 13 years of experience as businessman and a serial entrepreneur, with only 33 years has pushed leadership and management in several companies. Mr. Smeke has been involved in two successful start ups leaded as founder and CEO. Smeke has over 4 years of experience working with Hi-Tec companies on Id theft prevention systems and new alternative electronic payments for residential markets. Smeke hold a Bachelors degree in industrial design At Anahuac University, management skills, marketing on ITESM, and has special interest on develop alternative way to conduit electronic payments for new markets where his new adventure at Home Terminal doing Home IT solutions and which one it's in Progress at this moment.

SAMUEL OLVERA, Chief Information Officer. Has over 13 years of experience in technology and software development. Rodríguez has developed many successfully software products including banking security solutions, databases and web services applications. Rodriguez has a degree in programming, from Metropolitan University in México and worked for Tresnet where deploy web services and hosting.

RALPH ACEVES, Advisory Board. Mr. Aceves has over 20 years experience in managing fast paced high technology companies. Mr. Aceves has been involved in three successful start ups. One IPO (NSDQ: INFA) and two acquisition exits, Vianeta Communications, acquired by Spheris Corp., and Levient Corporation, acquired by FusionOne Inc. Mr. Aceves has a great deal of experience in building companies from start up stage to exit. Mr. Aceves holds a Masters Degree in Marketing from Golden Gate University and a Bachelors Degree in Finance from San Jose State University.

THE TEAM

Home Terminal Solutions

FINANCIAL

Our revenue assumptions are based on the “Shopping Mall” model and the main sources of revenue are:

• Lead Generation.• Sell Smart Ads.• Development of New Applications.

BUSINESS MODEL

Home Terminal Solutions

Financial projections

*In US dollars For more financial information contact us

FORECAST

Home Terminal Solutions

Home Terminal Solutions

USA...... ……….1737 1st N Street Suite 110, San Jose CA, Zip 95112Tel: 408-398-8913

M E X I C O Hacienda del Ciervo #26 Hacienda de las palmasHuixquilucan, Estado de MéxicoZip code 92763, MéxicoTel: (011-52155) 9150-3133

……. …..josesmeke@mybill-e.com

Also available at: Youtube I Twitter I linkedin I facebook

Thank you!

NEXT STEPS

We will target USA/PROFILE•COLLEGE STUDENTS•NON TAX PAYERS YET•NEWLY BANKED USERS•COLLEGE PARENTS

•Works as prepaid cards,• People add money and pay bills online without a banking a account • Refills in thousand places• No contract needed