1. Introduction 

The EzyNetwork is a proprietary real time processing platform incorporating e-wallets (“Ezyaccounts”) linked to a number of free operating software programs (EzyPrograms) offering Ezybonds Certified Merchants and Members (Ezybonds Members) loyalty rewards, revenue sharing, merchant discounts and payment processing capabilities utilizing the internet and mobile phone applications 


2. Ezyaccounts 

Although an Ezyaccount functions similarly to an online bank account, there are a significant number of notable differences, including: 

 Instantly activated multi-currency accounts; 

 Consumer, corporate and merchant accounts; 

 Account balances and transactions viewed in real time;

  Transaction and account management tools; 

 User friendly online and mobile application interfaces; 

 Loyalty rewards and incentives (under development); 

 Merchant cash rebates; 

 Competitive and flexible fee structure; 

 Merchant shopping carts and payment processing (under development) China Union Pay (EzyNetwork Overview) 

 Bulk online, POS and ATM accessibility. 

 Significant revenue sharing and commission referral programs; 

 Exclusive Ezybonds Member participation in the free Ezybonds™ Cash Rewards Program (under development); 

 AML/CTF compliance verification systems; 

 Revolutionary and patented data protection software; 

 Reliable, secure and scalable Amazon cloud data storage and backup; 

 UnionPay Cards; and  EzyPrivate Loyalty Cards (under development). 


3. EzyPrograms 

3.1 China UnionPay Cards China Union Pay Cards are an advanced cashless payment card issued globally by banks under license from China Union Pay and accepted at ATM’s and merchant POS terminals in over 150 countries. There are currently over 4 Billion China Union Pay Cards on issue, which can now access the EzyNetwork payment-processing platform. 

By integrating with the EzyNetwork, any China Union Pay Card can be used online, via an EzySMS text or at an EzyBranch (under development) to pay directly any Ezybonds Members, top up or withdraw funds, send or receive multi-currency transfers, and retrieve data about their spending  China Union Pay Cards are accepted wherever the China Union Pay or EzyNetwork logos are displayed; online, at ATM’s, POS terminals or EzyBranches (under development). China Union Pay Cards are user friendly, financially rewarding and designed to be cost effective with lower transaction and foreign exchange fees. They are designed for maximum convenience and minimum fuss to benefit Ezybonds Members, customers, merchants, companies and financial institutions. 


3.2 EzyPrivate Loyalty Cards [under development] 

EzyPrivate Cards are managed by Ezypay Technology (Barbados) Ltd and operate on the EzyNetwork offering multiple payment and loyalty solutions without the need for complex IT integration or unnecessary direct commercial relationships. EzyPrivate Cards are truly multi-currency and transact when linked to an Ezyaccount with a default currency. These cards are PIN protected and can be used for POS purchases, cash loading & withdrawals and loyalty rewards when used at participating merchants. Cardholders can send or receive multi-currency transfers and easily retrieve data about their spending habits. Benefits to Merchants:  EzyPrivate Cards have been specifically designed to offer Ezybonds Members loyalty benefits with real cash values; instant access to cash rewards and point accumulation at preferred merchant locations. Merchants have the ability to select either EMV or mag stripe Cards, as well designing their own fully branded cards to meet specific marketing strategies, membership photo identification, bar coding or data retrieval. 


Targeted Marketing Campaigns: EzyPrivate Cards are capable of storing loyalty points, rebating instant cash discounts and analyzing cardholder purchases. Shopping behaviors and store location data is collected whenever the cards are used online or at designated POS locations. The information gathered is available to create targeted marketing campaigns for either individual cardholders or market segments in multiple jurisdictions. One of the key features of adopting an EzyPrivate Card program is the ability to accurately monitor cardholder-spending habits across all merchant sites. Merchants can use this data to reward cardholders in real time with loyalty points, instant cash discounts, or free participation in the Ezybonds Cash Reward Program. Benefits to EzyPrivate Cardholders: EzyPrivate Cards are a flexible, secure, competitive and convenient loyalty and money transfer payment solution offering:  Instant activation online or via EzySMS app;  Multi-languages and currencies;  Attractive reward points, merchant specials and discounts;  Transaction history and balances;  Free participation in the Ezybonds Cash Reward Program;  Global fund transfers with attractive FX rates;  24/7 real time transactions;  Reloadable deposits online, EzySMS or at participating merchant outlets;  A safer alternative than carrying cash; 


3.3 EzySMS app 

EzySMS is a fast and secure way of transacting with an Ezyaccount using the SMS functions of a mobile phone. How it works: The PIN protected app is designed to use the SMS functions of an Ezybonds Member’s mobile phone to perform transactions. No data is required, reducing costs to the Ezybonds Member. Members can:  Transfer money from: • Ezyaccount to Ezyaccount • Ezyaccount to EzyPrivate Card (Under development) • Ezyaccount to Email Address  Add Favorite’s, allowing quick access to transaction types used regularly;  Request an Ezyaccount balance;  Withdraw and deposit money at retail outlets known as ‘EzyBranches’ (under development);  Edit personal details. Coming Soon: The second release of the EzySMS App will see it Internet enabled, allowing members to also:  Register an Ezyaccount, including uploading of identification documents (for AML and KYC compliance);Login to Ezyaccount;Select default currency account and add additional currency accounts;Overview of Ezyaccount, including account balance and transaction history;Deposit money via bank account (cash, cheque, bank transfer)


3.4 Ezybonds Cash Rewards Program (under development) 

Cash reward systems have operated successfully for decades in the United Kingdom and New Zealand. Ezybonds has taken this concept globally to allow more Ezybonds Members the opportunity to participate in cash draws with greater returns. The first bond lottery commenced in the United Kingdom in November 1956. The Government of the day wanted to encourage people to save for the future after the Second World War. People set up savings accounts to purchase ‘Premium Bonds’, similar to lottery tickets. Instead of paying out dividends, the interest from the savings accounts was used to create a cash prize pool from where monthly prizes were drawn. One bond equaled one entry into the draw. Today the minimum investment is £100, with a top prize of £1,000,000. While the Ezybonds™ Cash Rewards Program is based on the highly successful UK model; our prize pool is drawn from 30% of global membership fees and investment returns. Exclusive to each member, Ezybonds Dividend Rights are computer-generated numbers that record participation level in the Ezybonds Cash Draws as distinct to conventional savings programs that store your money away and may attract minimal interest repayments, depending on your funds and financial institution. To be eligible for a draw, participants must become members of Ezybonds. 

Once membership is confirmed, Ezybonds awards Ezybonds Dividend Rights apply depending on: 

 A minimum holding of USD$1 in each Ezyaccount 

 A minimum holding of USD$1 on each UnionPay Card 

 A minimum holding of USD$1 on each EzyPrivate Card 

Each USD$1 held in an Ezyaccount or on an UnionPay or EzyPrivate Card equals one Ezybonds Dividend Right, this means the more money held in an Ezyaccount or on a Card, the more entries members’ have into the Ezybonds Cash Reward Draws. * Ezybonds will announce the commencement date for the Ezybonds Cash Reward program.


3.5 EzyShopping (Under development)

 Ezybonds is negotiating with a number of merchants to provide cash discounts/rebates on goods or services purchased online or at POS terminals. Part of the discounts provided will be passed directly to Ezybonds Members, but the other part will be paid to Ezybonds which forms part of the revenue to be shared (for example a merchant might be prepared to provide a 15% discount for the purchase of one of its bags on-line. The discount provided to the Ezybonds Member might be say 7%. When the Ezybonds Member pays for the goods (having received a discount of 7%), the 8% (i.e., the balance of the discount that the merchant was prepared to provide) gets paid to Ezybonds as a rebate, which then forms part of the revenue that is shared. 


4 Value Proposition 

Global organizations have a unique opportunity to create significant alternate revenue streams by integrating with the EzyNetwork at no cost and simply utilizing their membership databases. 

As the EzyNetwork is used by Ezybonds Members, revenue is generated and shared as follows: 

 Interest on funds held under management (i.e., the funds held in the EzyNetwork); 

 Transaction fees; 

 FX; and 

 Cash rebates from merchants (see EzyShopping above). 


Ezybonds works with merchants to build unique programs, and to incentivize Ezybonds Members to use the EzyNetwork. 

It is Ezybonds’ mission to: 

 Rapidly grow memberships; 

 Develop business opportunities at no cost; 

 Endorse and promote businesses within an existing database; 

 Introduce global marketing opportunities with other merchants (see EzyShopping);


China Union Pay (EzyNetwork Overview) 

 Launch a powerful online, mobile app and POS marketing solution; and 

 Create long-term value and future revenues. 


The functionality of the EzyNetwork, the lower transaction fees, the Ezybonds™ Cash Rewards Program, the China Union Pay Cards, foreign exchange, advertising and the EzyShopping website are mechanisms designed to provide the incentive to Ezybonds Members to use the EzyNetwork.