Debit MasterCard®

• Acceptance same as MasterCard credit card
• Re-loadable debit card via select outlets & Internet
• ATM usage Worldwide
• Offers Consumer friendly Pricing Model
• Diverse Consumer Promotions
• Creates Consumer Excitement
• Drives Brand Awareness
• Generate Consumer Traffic to desired locations
• Assist in the data collection from consumer surveys/test drives
• Consumer Loading Options
  1. Payroll direct deposit to card
  2. Internet via personal bank account
  3. Pre-authorized load in association w/direct deposit or select merchants
  4. Direct via select merchants/load centers

MasterCard can be purchased

1. Off Store Shelf/Merchant/College Campus
2. Internet
3. Direct from BMU and Client
4. At Event Site
5. U.S Mail
6. 1-800 MasterCard

Our new consumer retail program 'Changing Lives - One at a Time' is our attempt to empower communities by allowing citizens to reach the economic mainstream via a Debit MasterCard. Empowerment and Money Management are keys to economic growth. The BMU MasterCard program will do small simple things like allow Internet access for families, payroll deduction cards that eliminates the time and expense of check cashing services, and allow citizens without bank accounts and credit cards to do every day things that most people take for granted. Employers offering full use Payroll Debit MasterCard's will save money on payroll expenses, create excitement and loyalty, and increase employee retention. People will want to work with a company providing them financial empowerment as well as a paycheck. In most American cities four out of ten people do not have a bank account and five out of ten do not have a credit card. We have a program that will empower hundreds of thousands while providing an economic stimulus to the community, and generating non-traditional revenue (NTA) for your company to use for employee improvement programs that will result in even more employee retention and loyalty.

MasterCard Proposal: Economic Empowerment via Virtual banking and associated Financial Tools

Economic Empowerment: "Changing Lives One at A Time"

Objective: To provide virtual bank accounts consisting of ATM/Debit cards and MasterCard's to city residents, small businesses, and city employees, These people currently rely on check cashing centers for their banking needs and are subject to their high fee structure. We will provide a more cost and time effective solution for these users while keeping funds in the community. Consumers will be offered all the services currently available exclusively to credit card and bank issued card users without the pitfalls associated with managing their credit. They will have the safety of eliminating the necessity to carry their check's proceeds in cash, pay bills automatically while reducing their dependence on check cashing facilities. Additionally, they will be able to transfer money at significantly reduced rates compared with current options.

Benefits for MasterCard Debit Card Holders

• Single Mothers/Fathers: The MasterCard payroll deduction and direct deposit options allow for bill payments by phone or through automatic deduction, access to a virtual bank account/ banking network. Other benefits include productivity and time increases due to the elimination of travel time, standing in line on pay day to cash a check and/or getting money orders. Parents will have more time to spend with their kids, reduce stress, and improve the quality of their lives.
• Families: Gain access to a virtual Bank account to better track spending, make bill payments by phone or automatically. The ability to make travel or vacation arrangements, rent cars, reserve hotel rooms, and make purchases over the internet or phone.
• Seniors: Direct deposit of their Social Security, Social Services, and other government checks without having to leave the comfort and safety of home. Seniors will be able to pay bills via phone, shop on-line, and reduce the amount of cash on hand, thus dramatically lowering their risk as a target for criminals.
• Cities, Companies and Social Organizations can offer employees a MasterCard Payroll card as well as an expense allocation card for company business. Non-Profits can offer all members a MasterCard as part of their membership enrollment kit.
• Families will be able to earn a dollar with every dollar they save toward a home purchase. Federal Bank Grant Program.(Home Ownership)
• The MasterCard in consumers' wallet for 11 days creates wallet presence. This wallet presence is equal to one 60 second Super Bowl Ad every 11 days.