Credit Guides And Credit Services

Because of the way that World Wide Web communication standards work, when you arrive at or leave the Obopay Website, we automatically receive the Web address of the site that you came from or are going to. We also collect information on which pages of our Website you visit while you are on the Obopay site, the type of browser you use and the times you access our Website. We use this information only to try to understand our customers' preferences better and to manage the speed and response time of our own website pages (i.e. load on our servers), so as to improve our service and your experience with Obopay. We do not track the Websites that you visit before or after you leave the Obopay site. credit pacific service union

Partnerships and Special Promotions

As Obopay grows, we may sometimes partner with other trusted companies with whom we may enter into joint marketing or similar relationships. If and when such partners may have access to your personal information and if Obopay believes your personal information might be used in ways different than as described in this policy, Obopay will tell you about how your personal information may be used and provide you with the opportunity to object before we share such information. In some instances, both Obopay and its partner(s) may jointly collect personal information so, your personal information may be subject to both Obopay's and the partner's privacy policies. credit first service union

Citi Obopay Prepaid MasterCard® Card T&C's. Obopay Terms & Conditions Instant Bank Account Verification User Agreement Account Limits Terms and Conditions for the Citi Obopay Prepaid MasterCard® Card

This document constitutes the agreement (Agreement) between you and us outlining the terms and conditions under which the Citi Obopay Prepaid MasterCard® Card has been issued to you relating to your election to participate in the Stored Value Card Service (the Service). In this Agreement, Card means the Citi Obopay Prepaid MasterCard® Card issued to you by First PREMIER® Bank, Sioux Falls, South Dakota. Citi means Citicorp Credit Services, Inc., which provides marketing and program management services for the Citi Obopay Prepaid MasterCard Card and the Citi Obopay Program Citi does not hold funds or initiate funds transfers. You and your mean the person or persons to whom we issued the Card or Cards. We, us, and our mean First PREMIER Bank, our successors, affiliates or assignees. Card Value means the funds that are available from time to time for you to access by use of the Card. Obopay means Obopay, Inc., and Obopay Platform means the services, products, software applications, and websites that allow users to receive, send and spend money directly from supported mobile phones, smartphones, or other devices. A transfer is any transaction that results in moving funds to or from your Card. card credit mobile service

Negative Balances

We may refuse to honor transfers you attempt to make if your Card does not have sufficient remaining Card Value. Certain types of merchants (for example, restaurants, gas stations, car rental agencies, and hotels) may obtain an authorization that exceeds the actual amount of your purchase. If the amount of the authorization request exceeds the remaining Card Value, we may not honor these transfers even though the remaining Card Value would cover the actual amount of your transfer. We hold excess authorization amounts obtained by the merchant for three (3) business days. card credit discover service

You may withdraw up to $200 each day at an ATM, and you may use up to $1200 each day to pay for purchases or obtain cash back at point-of-sale. For security reasons, there may be additional limits on the amount, number, or type of transfers you can make. See the Obopay Terms for additional information. credit public service union

Fees

You agree to pay all applicable fees for the use of your Card and the Obopay Platform, which will be deducted automatically from the Card Value at the time the fee is incurred. Fees are set forth in the Fee Table below. card credit processing service

Fee Table Send Money Using the Citi-Obopay Prepaid MasterCard

mobile phone (SMS, WAP, or APP) $0.10 per transaction center credit service union

Internet (Online) $0.10 per transaction Get Money Using the Citi-Obopay Obopay Prepaid MasterCard get money from another Obopay user FREE accepting a request to 'get money' $0.10 per transaction Manage Your Citi-Obopay Prepaid MasterCard check Card Value check transaction history FREE Add Money to Your Citi-Obopay Prepaid MasterCard Load Fee card credit service wireless

Failed transaction due to lack of funds $6.00 Withdraw Money From Your Citi Obopay Prepaid MasterCard ATM withdrawal (domestic)* ATM withdrawal (international)** $2.75 if successful $1.75 if declined Additional Transactions use your Citi-Obopay Prepaid MasterCard® at accepted merchants issue replacement Card $6.95 issue replacement Card with overnight shipping credit security service union

$20.00 request paper statement (standard) $1.95 request paper statement (special) $4.00 Foreign Currency Transactions 1% of total transaction *When you use an ATM not owned by Citi, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a transfer). **Some international ATM networks levy a fee regardless of function. credit report service

You may also be required to pay fees and charges to others in connection with use of your Card or the Obopay Platform. For example, your mobile telephone company may impose charges for use of your phone. The financial institution that issues your credit card or debit card, or holds your Bank Deposit Account, may charge you for transfers between that card or account and your Card. If you use a credit card to load your Card, you may be charged interest. blogspot com christian

• Information we receive from you on applications or other loan and account forms, such as your name, address, social security number, and income; christian counseling credit

• Information about your transactions with us, our affiliates, or others, such as your account history, payment history and debit card usage, if any; and credit federal service union

• Information we receive from a consumer-reporting agency, such as your creditworthiness, credit history, and payment history with others. credit monitoring service

Get The News For media inquiries, please contact: press@obopay.com January 2008:

Vendors Send a Message As Mobile Payments Grow American Banker January 18, 2008: Obopay Offers BlackBerry Software American Banker January 17, 2008: Customers Send, Spend and Receive Money Through BlackBerry Smartphones CNN credit division service

January 17, 2008:

Obopay Brings Convenient Mobile Payments to BlackBerry Users CNN January 17, 2008: Obopay Brings Convenient Mobile Payments to BlackBerry Users LA Times January 17, 2008: Obopay Brings Convenient Mobile Payments to BlackBerry Users Houston Chronicle January 17, 2008: Obopay Brings Convenient Mobile Payments to BlackBerry Users Forbes card credit online service

2007 News 2006 News Investors

Obopay is a privately held company with funding from Redpoint Ventures, ONSET Ventures, and Richmond Management. consumer counseling credit inc

For more information, contact us at info@obopay.com ventures ONSET Ventures is an early-stage venture capital firm that combines substantial financial resources, business building, operating skills, and a long-term personal commitment to help entrepreneurs build and grow world-class companies. ONSET has backed nearly 100 companies since 1984, focusing on early-stage and select later stage enterprises in business-to-business markets. With more than $700 million under management, ONSET Ventures invests in information and medical technology companies in enterprise applications and infrastructure software, communications and networking, and medical technology. card credit fleet service

qualcomm

Qualcomm develops its technologies and solutions for the purpose of enabling key participants in the wireless value chain. By partnering with and acting as an enabler to the business activities of these participants, Qualcomm ultimately enables consumers, professionals and government entities, the end users who benefit from the success of the wireless industry today and into tomorrow. card consolidation credit

redpointlogo Redpoint Ventures was founded in 1999 by top partners from Brentwood Venture Capital and Institutional Venture Partners (IVP), two leading venture firms. Redpoint's partners are peers and friends, with years of experience and success in technology investing. Redpoint has an interactive community of entrepreneurs, partners, service firms and industry experts whose combined impact will accelerate the building of companies destined for market leadership. credit free online report

Richmond Management

Richmond Management is a New York investment firm with a special focus on early stage investments in the communications and technology-enabled services spaces. Its principals have enjoyed successful public exits in Salesforce.com, aQuantive, Color Kinetics, and private sales in India and China to industry leaders such as eBay. Richmond manages several other funds in global private equity and hedge fund investments. Richmond is currently investing in India, China, and Central Europe. credit federal first service

How it Works

Five simple steps you need to complete to begin increasing your sales with Obopay payment options: consumer credit service

1. Determine which product is right for your business—do you want your customers to be able to make payments from their mobile phone, the Internet, or both center credit family service

2. Request Obopay merchant integration manual from Obopay business development team. Review and implement merchant requirements; Obopay will assign you an engineer to assist with the integration process. bd@obopay.com credit reporting service

3. Receive Obopay merchant services agreement from business development team. You will need to review, sign and return before accepting payments via Obopay. bd@obopay.com cca credit division service

4. Work with Obopay engineering to get you set up in our developer sandbox to begin transaction testing, and ensure both parties systems are configured correctly. credit free report service

5. Finalize testing process and roll out Obopay merchant services to live production servers. card credit customer discover

It's that easy. In just a few days you'll be up and running with Obopay, and your customers will be able to pay you in whatever way suits them bestwhether it's via cash, credit, or cellphone. credit repair report service

Pricing

With Obopay accepting payments is cheap and easy. Here is the fee structure for most participating merchants: credit legal repair service

Obopay Fee Schedule Set-Up Fee None Monthly Fee None Cancellation Fee None Transaction Fee 1.5% + $0.25 USD That’s it! There are no hidden fees, and no additional costs. At Obopay we want to make it as easy as possible to get up and running, so we don’t charge you any special fees or set-up costs. Heck, we’ll even assign you someone who’s job it is to make sure the whole process goes smoothly. cic credit monitoring service

Sign up today!

Begin the process of signing up to accept payments via Obopay today. Please provide the information requested below and we will reply to you within 24 hours. Please note the following requirements: ccs credit division service

Increasing Sales

• Please complete all fields. This information will help us determine if our service is a good fit for your business and route your inquiry to the right department. credit service union worker

• We require that your email address must use your business' domain — we cannot reply to business inquiries sent from personal email addresses. 1st credit service union

• Please Note: Obopay is currently only able to serve merchants in the United States. Check back in the future, as Obopay is in the process of expanding to additional global markets. card chase credit customer

Contact Information Company Name First Name Last Name Email Phone Number - - Company Information Describe your business Distribution Web Mobile Retail Other Monthy Volume Average Transaction Price Business Type card chase credit service

-- Please Select -- Sole Proprieter LLC Corporation

Additional Information Company Website How did you hear about us -- Please Select -- Google Search Engine Yahoo! Search Engine MSN Search Engine Online Banner Ad Print Ad Trade Show Mail News Article Other Comments By submitting this form, you agree to allow us to contact you in the future via email regarding Obopay Merchant products and services. citi credit monitoring service

*Currently available in the United States only ¹

Source: Jupiter Research ²Source: Telephia ³Source: Nielson Media Research credit plus service union

Our team

The Obopay management team brings together the right mix of experience in the fields of mobile services and technology, financial services, engineering, and marketing. And while each Obopay member brings his or her specific focus and expertise to the company, as a team, they're unbeatable. credit farm service

Carol L. Realini, Chief Executive Officer Dave Johnson, Chief Financial Officer Judith M. O'Brien, EVP, International Strategy, General Counsel, Secretary John Tumminaro, Cofounder, Chief Technology Officer Ramy Mora, Vice President, Marketing Christian Delay, Vice President, Business Development and Marketing Chris Martin, Vice President, Operations, Treasurer and Compliance Officer Tyler Sloat, Vice President, Finance & Controller Irv Henderson, Vice President, Product Development Carol L. Realini - Chief Executive Officer

FAVORITE WAY TO OBOPAY: I love using the request pay feature from my phone's Internet browser because it makes it so easy for me to send money to my husband or kids. And that means they too can pick up dinner, the dry cleaning or any other last minute errands. 1st credit federal service

Carol Realini is an imaginative pioneer whose foresight and business acumen have built companies that have changed the landscape of our daily lives. TECHNOLOGY VISIONARY In 2005, Carol Realini founded Obopay to meet the need for an industry leader in mobile payments technology. In two years, Carol secured $47 million in funding and finalized deals with several major cellular networks and one of the biggest banks in the United States. Today, Obopay is defining an emerging industry and quickly gathering the market share necessary to ensure longevity. credit paychex service tax

Carol was inspired to found Obopay when she traveled to Africa and saw, first hand, the opportunities that mobile payments would bring to both industrialized and developing nations. Obopay fulfills Carol’s interest in industry-changing advancements and her desire to support social and economic development throughout the world, bringing financial services to millions of under- and unbanked people. credit service tax

HISTORY OF SUCCESS

Before founding Obopay, Carol was Chairman and CEO of Chordiant Software, a leader in one-to-one marketing and customer interaction software. Carol raised more than $30 million in VC financing and played a key role in the successful IPO of the company. Prior to her success at Chordiant, Carol was the CEO and President of J. Frank Consulting, a consulting firm dedicated to helping corporations achieve breakthrough business results through successful applications of enterprise-wide client/server solutions. Carol guided the company through significant growth, ending in the firm’s sale to MCI. As Vice President of Sales and Marketing at Legato Systems, a network storage software innovator, Carol launched the company’s first series of products and established key strategic business relationships. aeon credit service

Carol holds a B.A. with Honors in Mathematics from the University of California, Santa Cruz and an M.S. in Computer Science from California State University, San Jose. Additionally, Carol successfully completed the Executive Management Program at Stanford University’s Graduate School of Business. credit one service union

MAKING A DIFFERENCE

Carol’s passion is education. She and her husband provide scholarships for women in Sierra Leone, Liberia and AIDS orphans in Uganda. ^ back to top Dave Johnson - Chief Financial Officer FAVORITE WAY TO OBOPAY: I like adding money to my Obopay account;it's so easy. I also like knowing that I have instant access to emergency cash if I need it. bad cell credit phone service

Dave is responsible for all financial and fiscal management aspects of company operations. He also runs the Business Solutions Group and is Obopay's executive sponsor for financial institution partners. His professional career spans 30 years in international financial services including roles at PayPal, Inc., BancAmerica Securities, BankAmerica Europe, Middle East and Africa Group and Washington Mutual Capital Corporation. He volunteered as Treasurer for the Town of Moraga and lectured in international finance at St. Mary's College. counseling credit debt service

As PayPal™s CFO, Dave built the financial, operating and regulatory control infrastructure as the e-payments company realized hyper-growth in its customer base, number of transactions processed, and size of funds transmitted. As COO and CFO at BancAmerica Securities he built the complex control infrastructure necessary for a global securities company as it grew from four employees with $10 million in assets and limited product offering to 2000 employees with $10 billion in assets providing a full array of investment banking products and services to institutional and retail customers. As CFO and Treasurer of BankAmerica Europe, Middle East and Africa Group based in London, he directed a major turnaround of the foreign exchange trading and local capital markets businesses. card credit payment service

Dave serves on several nonprofit boards. He holds an MBA and an MS in Finance from the University of Southern California, and a BA in Economics from UC Santa Barbara. ^ back to top Judith M. O'Brien - EVP, International Strategy, General Counsel, Secretary FAVORITE WAY TO OBOPAY: I like being able to send emergency cash to my young adult children. And Obopay enables them to carry less cash and easily share expenses with their friends and roommates. card credit merchant

Judy is involved in all corporate matters, including strategic partnerships, intellectual property and international expansion. She brings her love of start-ups, her years of experience, her deal-making skills and her network of relationships with venture and other financial firms to Obopay as it goes from successful launch to growth and expansion in the U.S. and globally. counseling credit family

In her 20 years as a partner at Wilson Sonsini Goodrich & Rosati, Judy was the business lawyer for many of Silicon Valley’s premier high tech companies, including Juniper Networks, KLA-Tencor, Sun Microsystems and LSI Logic. She worked with many start-ups from incorporation through venture capital financings, initial public offerings, mergers and acquisitions and joint venture relationships in the U.S. and abroad. In 2001, Judy co-founded Incubic Venture Fund where she was a Managing Director until November 2006 when she joined Obopay. annual credit report request

Judy received a BA with honors from Smith College and her JD from UCLA School of Law where she was elected to Order of the Coif. In 2000, she was named a Top Deal Maker by the American Lawyers and, for five years, was included on the Forbes Midas List, a list of the leading members of the venture community. area bay credit service

^ back to top John Tumminaro - Vice President, Chief Technology Officer FAVORITE WAY TO OBOPAY: For me it's all about my kids' allowance. With Obopay, I don't have to give them actual cash, something they typically lose. Plus, now I know exactly where they are spending their allowance. What's not to love As CTO John is responsible for all technology efforts at Obopay. He brings extensive experience in enterprise computing systems for banking, insurance and telecommunications applications as well as his vast software development and start-up business acumen. atlanta consumer counseling

John was formerly CTO of Chordiant Software, an enterprise CRM company whose customers in the U.S. and Europe, include MetLife, CitiCard, USAA, Lloyds TSB, Barclays, and Deutsche Bank. His expertise also includes serving the retail banking industry through J. Frank Consulting. account card credit merchant

^ back to top Ramy Mora - Vice President, Marketing FAVORITE WAY TO OBOPAY: I like the convenience of paying anyone back instantly from my cell phone and not have to carry cash anymore. Ramy is responsible for all of Obopay's marketing and PR efforts. He brings over 15 years of broad brand and product marketing leadership, as well as experience in online travel, shopping, search, automotive, instant messaging/chat, VOIP, financial software, and consumer-packaged goods. aspire card credit customer

Most recently, Ramy served as the VP, Marketing at Hotwire.com (an Expedia company), the leading travel discount site where he oversaw all online and offline marketing efforts, advertising, public relations, research, and advertising sales. Prior to Hotwire.com, Ramy led consumer and merchant marketing efforts for Shopping.com (an eBay company) the world's largest online comparison shopping site. Before that, he held senior marketing roles at Yahoo!, Microsoft and Clorox. card counseling credit service

Ramy has an MBA from Thunderbird, the Garvin School of Global Management. ^ back to top Christian Delay, Vice President, Business Development FAVORITE WAY TO OBOPAY: I threw out my checkbook when I opened up my Obopay account - I pay for all of my services using Obopay - fantasy football fees, gardening services, association dues, etc. Christian brings deep understanding of the mobile ecosystem and a strong history of building successful relationships with mobile carriers worldwide. At Obopay, Christian is responsible for the company's business development, account management and marketing activities with channel partners. card credit online processing

At Yahoo, Christian structured relationships with carriers, technology partners and global brands. His efforts led to increased reach of Yahoo’s Mobile Portal and Communications Services and the launch of some of Yahoo’s most innovative mobile services, including Yahoo! Go Mobile with Cingular, Yahoo SMS Search, FIFA World Cup alerts and “Pepsi Cool Tones and Motorola Phones” promotion. consolidated counseling credit

Prior to Yahoo, Christian spent over four years with InfoSpace developing its mobile carrier business in Europe and mobile content in the US. He was responsible for business agreements with T-Mobile UK, Sunrise Communications, Associated Press, uclick, Charles Schwab, AccuWeather and many more. check credit service

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