".

0~oBANKOF SCOTLAND

5th Floor, New Uberior House 11 Earl Grey Street EDINBURGH EH39BN

Telephone: 0131-659 0907 Fax: 0131-659 0921 Email: adriangrace@bankofscotland.co.uk Application Ref: 519800002 September 07 Mr Donald Lewis We Just Click 19 Deansway Edmonton ENFIELD London N99TX Dear Mr Lewis
;:t. _

The Bank of Scotland Corporate 25 Million Entrepreneur Challenge I would like to take this opportunity to thank you for entering Scotland Corporate 25 Million Entrepreneur Challenge. The Bank of

The levels of response in terms of both the volume and quality of applications have been exceptional across the country with the London region a leading contributor. The regional judges had the unenviable task of drawing up a shortlist of 5 finalists, and I am sorry to say that whilst your application was given careful consideration, you have not been successful on this occasion. Once again, I would like to thank you for taking the time to submit your application for The Entrepreneur Challenge, and would like to wish you every success in realising the aims and ambitions you have for your business in the future. ./

%-

Ad'ri;l/r\ ~
Managing Director, Corporate

Head

www.bankofscotland.co.uk

Office:
Edinburgh EH,

The Mound.

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-Oonald Lewis.
02 July 2007 14:34

Another Way To Pay Card. V2. AW2PC, VERSION2.0 For Web End Users 19 Deansway Edmonton London Enfield N9 9TX. donald24717@hotmail.com 02031328847-07950674629

MORE POWER TO THE PEOPLE.

"Yes", "You just heard the Message", First, Right Here, Again! We are again now giving, "Even More, Power To The People". l The Real people, The ones that still work hard everyday, and struggle to make ends meet. The Unemployed, children. The Sick, or Incapacitated, The Housewives at home bringing up their

The Office workers, toiling for a living to pay bills. The underdog, who has lost all faith in our current systems of banking and finance. The people who are constantly being shown the door, when applying for credit or store cards. The Normal people, People like, You, and Me!

We are AGAIN, breaking the bond of power and class.that reigns over us, and are Again, Setting The People Free. Free from online fraud, Free from Hidden Credit and Store Card Charges, That is Frequently Included, in the price of the purchases of our goods, that we often overlook. Our Newer, More Advanced and Improved System, Now gives Even More Power back to the Masses of people out there, who have No Credit or Store Cards, But who would also love to be able to shop on line in peace, with Safety and Security. .: "So My Friends", "My People", Here is another one! "And its all for you"! "Another Small Solution", To a Very Big Problem. The Product: How does it work, and what does it do?

Our product is an AW2P CARD. What is an AW2P CARD? Another Way To Pay Card. Let me just start by reiterating,

We are Not All Rich and Powerful, there are many people in the world who do not own or possess a credit or store card. But again that does not mean that that percentage, of the worlds population, do not want to buy goods online via the internet, I would say it was still quite the opposite, Lets just do the numbers again (they still haven't changed) 35% of the people in this country alone do not own, or possess, a Credit or Store Card. 35% of the population does, but most are all still too afraid to use their credit cards onllne, through fear of on line fraud. The other 300"' of people, well they are most probably, The upper middle classes, who in some instances, are not worried about their online expenditure, and have no need to worry, about extra credit and store card charges,

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MOREPOWERTOTHEPEOPL~!page_~/

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!-made by banks and financial institutions. Well again, We are here to accommodate everybody, Young Old, Rich Or Poor!

OUR NEWER SYSTEM AW2PC. "WE-ll!ll-CLlCK", VERSION.2 ! Again offers something for Everybody, and again we believe, Provides a Second To None, stand alone service for all web users, and of course it does again, exactly what it says on the tin. OFFERSYOU, THE CONSUMER! Another Way To Pay, for your goods and or services online, Without the need, of Registerlng bank details, Without the need of having to type in Encrypted Pin Codes, Without the need of having to pay extra Credit and Store Card Charges, that we all No Longer have to accept. So Here it is! Welcome to the Ultimate Future of Top-Up Cards, for Web End Users, Welcome to "WE-JUST-CLlCK" AW2PC. VERSION.2 TOP-&-SHOP! An AW2PC. VERSION.2, "WE - JUST- CLICK" Top-&- Shop -Card, Is a totally New Breed of Top up Card, Built for the web, This Newer System, Has to date since (02,07,07) Never been achieved anywhere in the world in this way. . This New Breed of Card Offering comes with unique Power Delivery Built into its very genes. Making payments online are now Even Faster, More Secure, and are now Opening even more avenues for advancement, in our growing economies, by expanding this card programmes capabilities, and now joining forces in the Retail Sector, using the, EAN\UPC RETAILSHOPPING ENVIRONMENT, {STANDARD BARCODE SYMBOLOGY TYPE} (Usually dedicated for Retail Sales) Hence the name, "WE-JUST-CLlCK" AW2PC. V.2 TOP-&-SHOP-CARD.

An AW2PC.VERSION 2. Is a Reloadable, Contactless, TOP-UP-CARD, That can be used for shopping online Via, CONTACTLESS, SMART CARD, READERTERMINAL, BUILT FOR THE HOME, AND CAN ALSO BE USED, IN ANY RETAIL-OUTLET-SCAN-PAY-ENVIROMENT, IN THE WORLD! It is an Integrated Circuit Card (lC CARD) That works by using the latest RFID-TECHNOLOGY. (radio frequency identification technology) an (le) chip is an embedded integrated circuit, It is a small square thin piece of silicone processed to contain an electronic circuit, to then process and store information. Chips are generally less than 1/2 cm and can consist of millions of components. Some chips have microprocessors, whilst others have blank memory capacity, both these types of chips are used in contact smart cards, whereas contactless smartcards, have a microprocessor and an antennae, installed within the plastic card. The chip is connected to a module which has 6/8 contact points, enabling connection to other electronic devices, such as a card reader, or scan reader terminal. These cards can be programmed at manufacture, TO ACCEPTANY BARCODE TYPESYMBOLOGY, What does that mean? That means, that this a card with outstanding and fantastic capabilities, Now you no longer have to type in any details made by Keystroke (unless entering an amount within a web site checkout counter pane)
MORE POWER TO THE PEOPLE! Page 2

(;

.:

Donald Lewis

TECHNOLOGIES
WE -JUST- CLICK

INVOLVED.
LTD. OF OPERATION!

SECTOR: PRE PAY END USER. PRODUCT: 04JULY PRE PAY USER CARD. 2007.

PROPOSED METHOD

There are Many different lBARCODE:

styles and ranges of cardl

2 MAGNETIC STRIPE

3 MAGNETIC STRIPE, ENCRVTION CARDS

4 NON SIGNATURE STRIPE ENCODER CARDS

s NON

SIGNATURE STRIPE CARDS

6 NON SIGNATURE STRIPE ENCODER CARDS

7 RFID RADIO FREQUENCY IDENTIFICATION CARDS. 8 HCC HIGH CAPACITY CARDS TO NAME BUT A FEWI

FOR OUR SYSTEM TO WORK, WE WOULD BE USING, RELOADBLE, RFID CARDS.

BAR CODE, MAGNETIC STRIPE, MAGNETIC ENCRYPTED, AND NON SIGNATURE STRIPECARDS, WORK IN A CLOSEDLOOP SYSTEM, (USUALLY ASSIGNED FOR NOVELTY OR GIFT CARDS) SINCE WE WILL BE USING (7) RFID TAG PRINTED ELECTRONICCARDS, FOR THESECARDS TO WORK, WE WOULD NEED A SYSTEMS PROVIDER SERVICECOMPANY.

PREPAID TECHNOLOGIES, IS ONE SUCH COMPANY BASED IN THE UK WHICH PROVIDESTHIS SERVICE. 02070344344 THIS COMPANY IS A VISA MASTERCARD APPROVED COMPANY, AND IS ALSO A INTERNATIONAL MARKET LEADER, IN DELIVERING STOREDVALUE CARD SOLUTIONS INCLUDING, PRE PAY DEBIT CARDS, RETAIL GIFT CARDS, CORPORATE INCENTIVE CARDS, PRE PAID PAYROU CARDS, AND EVEN INSURANCE CLAIM CARDS.

FOR THE MANUFACTURE OF THIS NEW CARD PROGRAMME, THE CHOISE IS ALSO ENDLESS, BUT I HAVE SETILED ON TWO DIFFERENT COMPANIES.

THE FIRST COMPANY, IS THAMES- CARD- TECHNOLOGY- LTD, ANOTHER VISA MASTERCARD APPROVED COMPANY, BASED IN THE UK. THIS COMPANY IS THE UNITED KINGDOMS LARGEST MANUFACTURER OF PLASTICCARDS, PROVIDING AN END TO END SERVICE, INCLUDING MANUFACTURE, PERSONALISATION OF CARD, AND EVERYTHING IN BETWEEN RIGHT UP TO DISTRIBUTION.

ALL THESE COMPANIES OFFER VIRTUALLY THE SAME KIND OF SERVICE, I.E. CONSULTING: DISUSSION OF THE CLIENTSREQUIREMENTS, AND DECIDING ON THE BEST RO.UTETO TAKE. PRIONG: ALL JOBS WILL BE FUUY PRICED BEFORECOMMENCEMENT.

MANAGING:

EACH PROJECT IS ASSIGNED A DEDICATED JOB OR WORK NUMBER.

PROOFING: SHOWING NOT ONLY THE ARTWORK TO BE PRINTED, BUT ALSO CONFIRMING AU DATA AND DETAILS ARE CORRECT.

PLANNING: THE JOB IS THEN PLANNED AND DELIVERY DATE PROVIDED. (SECOND PROOFING, IS REQUIRED AT THIS STAGE, OF PLANNING I)

CONFIRMING: CHECKING ALL DATA HAS BEEN RECIEVED FOR THE PERSONALISATION OF CARDS.

TECH-INVOL VED! Page 1

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DESPATCHING: PRODUCT IS NOW THEN DISPATCHED TO THE UK,OR OVERSEAS BY SECURE COUECTION AND DELIVERY SERVICE. THAMES CARD: THE CARD PURCHASE PRICE, WILL VARY FROM ONE CUSTOMER TO ANOTHER. IT ALL DEPENDS ON THE LEVELLOF PERSONALISATION, THAT YOU AS THE CLIENT DECIDE, YOU WOULD LIKE ASSOCIATED WITH YOUR OWN PERSONAL CARD PROGRAMME. CARD PURCHASE PRICE PER THOUSAND FROM THAMES CARD, IS 70 (SEVENTYP(OUNDS) DEPENDING ON THE LEVELL OF PERSONALISATION OF THE CARDS ADHERED TO YOUR CARD PROGRAMME, I.E WITH A MORE ELABORATE PRINTING SCHEME INVOLVED, THE PRICE COULD RISE TO 12 PENCE PERCARD (12p) CONTACT: BARRY DEVON, 01268775555 WWW.THAMESCARD.COM THE SECOND COMPANY, (AND THE ONE THAT I WOULD CHOOSE) IS CAUED, ID-DATA LTD. THIS COMPANY IS EUROPESLEADING INDEPENDANT PlASTIC CARD BASED SOLUTIONS NETWORK. AND WOULD BE MY COMPANY OF CHOISE, TO DELIVER OUR OWN CARD BASED PROGRAMME. THIS COMPANY ALSO HAS A PROVEN TRACK RECORD IN PROVIDING END TO END PLASTIC CARD BASED SOLUTIONS, TO A WIDE RANGE OF CUSTOMERS ACROSS EUROPE. THIER CLIENTS INCLUDE MAJOR BANKS, BUILDING-SOCIETIES, HIGH STREET RETAILERS, AND EVEN LOCAL COUNCILS AND AUTHORITIES.

THIS COMPANY ALSO ALREADY PRODUCES, THE EXACT REQUIRED CARD FOR OUR OWN CARD PROGRAMME. RFID/CONTACTlESS. PAYMENT SOLUTION COMPANIES ARE LOOKING TO RFID/CONTACTlESS, TO OFFER FASTERTRANSACTION TIMES AT POINT OF SALE. PRE-PAID CONTACTLESS-CARDSCHEMES, WILL ENABLE USERS TO PURCHASE LOW VALUE EVERYDAY ITEMS, SUCH AS A NEWS PAPER, OR EVEN A CAN OF DRINK, BY SIMPLY PASSING YOUR PRE LOADED CARD OVER A CARD READERSCAN TERMINAL, REMOVING THE NEED FOR SIGN OR KEY PIN ENTRY AT POINT OF SALE FOR TRIVIAL AMOUNTS.

FROM ID-DATA LTD: THE CARD PURCHASE PRICE WOULD ALSO VARY FROM ONE CUSTMER TO ANOTHER. AGAIN IT WOULD AU DEPEND ON THE LEVELL OF PERSONALISATION THAT YOU ASA CLIENT PUT INTO YOUR OWN PERSONAL CARD PROGRAMME. CARD PURCHASE PRICE PER THOUSAND FROM ID-DATA, WOULD BE BETWEEN 30 (30), TO 60 (60), ALSO AGAIN THAT WOULD DEPEND ON THE PERSONALISATION LEVELLOF YOUR PARTICULAR CARD PROGRAMME I.E COLOUR AND PRINTING SCHEME INVOLVED I MY CONTACT, FROM THIS COMPANY IS A WOMAN NAMED LYNN, CONTACT CAN BE MADE VIA, WEBSITE REGISTRATION. WWW.IDDATA.COM

OPERATING SYSTEM: OUR SYSTEM ENGINE RUNSON A WINDOWS EMBEDDED FOR POINT OF SALERUNTIME-IMAGE, PLATFORM SUITE. I.E. MICROSOFT -WINDOWS- EMBEDDED- FOR-POINTOF SALE. MICROSOFT POINT OF SALE FOR .NET, IS A CLASS LIBRARY THAT IS PART OF WINDOWS POINT OF SERVICE. THE CLASSLIBRARY PROVIDES .NET APPLICATIONS WITH A SIMPLE AND CONSISTENT INTERFACE, FOR COMMUNICATING WITH POS (POINTOFSERVICE) PERIPHERAL DEVICES SUCH AS, BAR-CODE-SCANNERS, MAGNETIC-cARD- READERS, PRINTERS AND SO ON. IN ADDITION, (POS) FOR .NET INCLUDES, A SETOF BASE CLASSES FOR VENDORS OF (POS) DEVICES. THAT MEANS, ANY COMPANY WHO HAS AN ADDITIONAL DEVICES THAT THEY WOULD WANT INSTALLED ON THIER RUNTlME EMBEDDED IMAGE, CAN EASILY AND SEAMLESSLY ATTACH OR WRITE SOFTWARE COMPONENTS OR SERVICE OBJECTS FOR THIER DEVICES. (POS) FOR .NET, IS MICROSOFTS IMPLEMENTATION OF INDUSTRIES UNIFIED POINT OF SERVICE (UPOS) VERSION 1.11 STANDARDS FOR THE .NET PLATFORM.

(POS) FOR .NET CONSISTS OF TWO ASSEMBLIES, MICROSFT.POINTOFSERVICE.DLL, AND MICROSOFT.POINT OF SERVICE.CONTROLLBASE.DLL THE MICROSOFT.POINTOFSERVICE. DLL ASSEMBLY, DEFINES INTERFACE CLASSESFOR THE 24 (POS) DEVICE TYPES. DEFINED BY (UPOS) UNIFIED POINT OF SERVICE, THESE INTERFACE CLASSES, ARE PROGRAMMING INTERFACE CONTRACTS, BETWEEN A POINT OF SERVICE APPLICATION, AND SERVICE OBJECTS. THEY EXSPOSE ALL OF THE STANDARD FUNCTIONALITY DEFINED FOR EACH DEVICE BY (UPOS) (UNIFIED POINT OF SERVICE)

TO THIS PLATFORM SUITE WE WOULD ADD OUR OWN PRE PROVIDER PLATFORM SUITE. THE PRE-PAID PROVDER PLATFORM SUITE, KALGNITS XFS, (extension of flnanclal services) WOULD SURELY HAVE TO BE THE FINANCIAL BANKING SUITE OF CHOISE. ONCE THIS SUITE IS LINKED WITH ITS STABLE MATES, THE KALGNITE EWIS PIN XPRESSTECHNOLOGY PLATFORM SOFTWARE. IT THEN AUOWS ANY DEVICE SUPPORTED, TO BE ABLE TO PROCESS BANKING TRANSACTIONS, INCLUDING, PRE PAID -WIRELESS, PRE- PAID -LONG -DISTANCE, PREPAID UTllITIES, LOCAL- PHONE SERVICE, PRE PAID -INTERNET, WI/FI, MOVIE- TICKETS, AND MANY MORE APPLICATIONS. THIS IS A GLOBAU Y RECOGNISED SOFTWARE SOLUTIONS COMPANY, AND A LEADING PROVIDER OF ADVANCED PREPAID SERVICES AND TECHNOLOGY. CONTACT: STEVEHENSLY, USA, 937748 0599

TO THIS PLATFORM SUITE, WE WOULD THEN ADD ANOTHER SUITE, KALGNITE TRIPLEDES

TECH-INVOL VED! Page 2

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KALGNlfE- TRIPLE-DES, IS AN UPGRADE FOR ANY BANKS ATM SUITE, IT PROVIDES A LOW COST PLUG-IN- SOLUTION, FOR UPGRADING A BANKS ATM ESTATE TO SUPPORT TRIPLE-DES, NOW A REGULATORY REQUIREMENT. (WHAT DOESTHAT MEAN?) THAT MEANS NOW NOT ONLY CAN YOU SCAN -PAY- ELECTRONICALLY, FOR YOUR GOODS AND OR SERVICES, BUT YOU CAN NOW USE YOUR CARD FOR MAKING WITHDRAWALS FROM ATM MACHINES "ANY WHERE IN THE WORLD". THE TRIPLE- DES UPGRADE SOLVES THE NEED FOR BANKS TO INTRODUCE HIGH SECURITYIN THIER ATM ESTATES. THIS SUITE INCLUDES TRIPLE-DES -COMPLIANT, ENCRYPTED-PIN-PAD, (EPP) FOR IN STORE PURCHASES VIA, A CHIP- AND -PIN -READER -TERMINAL! IT NOW HAS A NEW PROCESSOR WHICH RUNS ON WINXP SP2, WHICH ALSO HAS MULTI- VENDORCAPPABILlnES. THIS BANKING PLATFORM SUITE, CONTAINS ALL THE HARDWARE- SOFTWARE COMPONENTS NEEDED TO MIGRATE ANY BANKS ATM SUITE, I.E. LOW COST UPGRADE FOR ANY BANKS ATM SUITE WHICH STILL RETAINS ALL EXISTING PERIPHERAL DEVICES, BUT OFFER THE ABBILlTY TO ADD REPLACEMENTOR NEW ONES.

KALGNITE: IS A LEADER IN PLATFORM SYSTEM TECHNOLOGY, UPON WHICH ADVANCED BANKING TRANSACTIONS ARE MADE, AND SOLUnONS CAN BE READILY DEPLOYED OR UPGRADED FOR, ATM, KIOSK, TELLOR -MACHINES, AND MANY MORE. THERE ARE MORE THAN SEVENTY UNIQUE FINANCIAL, RETAIL, AND TELECOMMUNICATIONS ~OMPANIES OUT THERE, THAT HAVE DEVELOPED USING THIS RANGE. IT PROVIDES, FUNCTIONAUTY, FlEXIBIUTY, ROBUSTNESS, AND SECURITY.

TO THIS PLATFORM SUITE WE WOULD ADD TO OUR OWN PRE-PAID PROVIDER -PLATFORM SUITE.

NET FINANCE CASCADE: NET FINANCE CASCADE IS A COMPLETE INTERNET SYSTEM FOR COMMEROAL CARD USERS AND COMPANY ADMINISTRATORS, AND PROVIDES, "WE JUST CLICK" CARD-HOLDERS, THE ABILITY TO MANAGE THIER ACCOUNTS ONlINE. IT HAS DEDICATED BRANDING CAPPABILlTIES TO ENSURE, THAT EACH OF YOUR COMMERCIAL CARD PROGRAMMES, HAVE THIER OWN DEDICATED BRANDED AND SUPPORTED ITRANET SITE. ITSUPPORTS, MULTIPLE -CURRENCIES AND LANGUAGES, PROVIDING AN ADDITIONAL POWER THAT WOULD REALLY DIFFERENCIATE THE "WE JUST CLICK" BRAND, AND CARD OFERING, FROM ALL THE REST OF THE COMPEnTIONI IT WOULD ALLOW THE "WE JUST CUCK" CUSTOMERS AND END USERS, TO BE TOTALLY INTERGRATED INTO AN ONUNE, FULLY- SUPPORTED -SYSTEM, THAT MANAGES THE FLOW OF INFORMATION, INTO ANY EXISTING BACK OFFICE SYSTEMS, ALLOWING THE "WE JUST CUCK" END USER, TO MAXIMISE THE POWER POTENCIAL, AND ALSO THE INVESTMENTS PUT INTO THE "WE-JUST-CUCK", CARD PROGRAMMEI

MULlT BRANDS AND PRODUCTS CAN BE SUPPORTED FROM A SINGLE INSTALlATION OF A NET FINANCE PRODUCT, "THAT MEANS" WHATEVER THE NUMBER OF PARTNER BRANDS, CARD -PRODUCTS, LANGUAGES OR CURRENOES, WITHIN YOUR PORTFOUO, NET -FINANCE, CAN DELIVER, AND WILL ANAGE ALL OUR ONUNE SERVICE NEEDS.

TO THIS PLATFORM SUITE WE WOULD ADD TO OUR OWN PRE-PAID PROVIDER PLATFORM SUITE.

NET -FINANCE- MONTAGE: MONTAGE, IS A SOFTWARE SOLUTIONS SUITE THAT IS DESIGNED TO CHANGE OR TO UPGRADE YOUR BRAND OR PRODUCT INFORMATION, IN A QUICK AND SIMPLE MANNER. USING lE,S -PROPRIETORY .cONTENT -MANAGER- MODULE,

(that Is alreadv built Into all net ffnance products)

IT ENSURES THAT ALL YOUR ONlINE - OFFLlNE INFORM AnON, STAYS-CORRECT, CLEAR-ANDPRESICE, TO ALL OF OUR "WE JUST CLICK" CUSTOMERS AND END USERS, I.E. CARD- REGISTRATION INFORMATION, BALANCE- ON-CARD, AND THE FUND -AVAILABLE-FACILITY.

SUM-UP.

THIS COMPLETE SYSTEM DELIVERS AN ONUNE CHANNEL, THAT IS FULLY - COMPLIANT WITH BRANDEDGUIDEUNES,AND IS A TOTALLY-INTERGRATED, ONUNE-SYSTEM, THAT SEAMLESSLYMANAGES THE FLOW OF INFORMATION, INTO exlsnNG CREDIT CARD PROCESSING,AND CREDIT SCORING SYSTEMS, ALLOWING THE "WE JUSTCUCK" END USER,THE POWER TO UTIUSE THE KNOWLEDGE THAT THIS SYSTEM WORKS, AND ALSO ALLOWING THEM TO UTILISE THE INVESTMENTS MADE IN THE PRE- PAID USERCARD SECTOR!

INNOVATIONS OF TODAY, CAN BE THE FORTUNES OF TOMMOROWS

WORLD,

TECH-INVOL VEDI Page 3

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AND IN THE SAME BREATH, SUCCESS, DOES NOT DEPEND SUCCESS, DEPENDS

ON THE SIZE OF THE MAN IN THE FIGHT,

ON THE SIZE OF THE FIGHT, IN THE MAN!

TECH-INVOLVED!

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