Dear List members and others.

The EcMA  www.ecmaweb.com  is now pround to announce that the next 300
members between now and January 1, 2004 will receive at no extra charge a
delivered Pre-Paid Maestro/Cirrus Debit Cards issued by a well know bank
in Panama.

Cards will be available late December / early January.

Activation fee of the Card is included in the Card Price. However, upon
receipt of the card the cardholder must make a first minimim deposit of at
least $25 after he has registered the card online. Card to card transfers
are available with these cards.

In the USA, cardholders can also walk into a Moneygram location and
deposit money on the card directly or deposits to this card can be made
via the EcMA web by e-gold and at least 3 other other popular
e-currencies.

FUND CARD WITH MONEYGRAM, E-GOLD & 3 OTHER POPULAR E-CURRENCIES


Deposits are made online automatically via the fine shopping cart
technology of Gold-PHP Xgenius, same day funding if not same hour.

Cards expire after three years. When shipping a new card (3 yrs from now)
only the Postage and Handling fee applies.

We require a copy of a Government ID from each cardholder. The copy will
not be sent to the bank but kept in our files. If the banks requests from
us the ID copy, we will have to send the copy to the bank, but this
request will only be made if the bank has reason to believe criminal
transactions are taking place on the card. ie court order.

We cannot accept faxed copies; they have to be either scanned and attached
to an email, or sent by snail-mail.  Since we are very close membership
and work daily with each other this should not be a problem for anyone.

Our new West Coast operations will be open next week and a postal address
will be posted on the EcMA site in the next few days.

AFTER 90 DAYs, ANY MEMBER HOLDING A MAESTRO CARD, MAY UPGRADE MAESTRO CARD
TO PRE-PAID MASTERCARD

After the cardholder has used his Maestro Card for three months he/she can
decide to UPGRADE the card to a MASTERCARD (with logo and holo).

With a Pre-Paid MasterCard the cardholder can make payments at POS, phone
or on the Internet where MasterCard is accepted. Card has AVS and CVV.
Also the card can be used for making reservations in hotels etc.

To upgrade the Maestro card to MasterCard there is a one-time fee of $10.
All other cardholder fees remain the same.

This offer is only valid to the next 300 new members of the EcMA and
expires on January 1, 2004. This offer will not be extended by date or
amount of cards.

Thank you for your support.   [EMAIL PROTECTED]

Cardholder Transaction Rates (sorry about the margins but good prices)
 
Transaction     Buy Rate        End user fees   Margin     
Monthly Fee w/Online statement  $1.30   $2.00   $0.70      
Fund Card Load Fee @POS $1.35   $2.00   $0.65      
Internet Transactions 
using IP applet when available  $0.65   $1.00   $0.35      
Domestic ATM Withdrawals or Decline     $1.25   $1.50   $0.25      
Point-of-Sale Purchase or Decline       $0.60   $1.00   $0.40      
International ATM Withdrawal or Decline $3.15   $3.50   $0.35      
International POS Purchase or Decline   $1.00   $1.50   $0.50      
Card to Card Transfer   $1.50   $2.00   $0.50      
Card to Bank Account    $1.45   $2.00   $0.55      
Card Tele purchase /
 bill pay when available  $1.15 $1.50   $0.35      
Cancel Card and mail a check refund     $7.50   $10.00  $2.50      
Dormant card fee (after 3 mos) to empty account $2.75   $3.00   $0.25      
ATM inquiry/Domestic    $0.75   $1.00   $0.25      
ATM inquiry/International       $0.90   $1.25   $0.35      
ACH     $0.65   $1.00   $0.35      
Domestic customer calls per minute, live        $1.00   $1.00   $0.00      
Replace card    $10.00  $15.00  $5.00      
IVR is .95 cents minute and Web interaction     $0.00   $0.00   $0.00    


Activation fee of the Card is included in the Card Price. However
cardholder must make a first minimum deposit of at least $25 after he has
registered the card online.

In the USA, cardholders can also walk into a Moneygram office and deposit
money on the card directly.

Cards expire after three years. When shipping a new card only the Postage
and Handling fee applies.

We require a copy of a Government ID from each cardholder. The copy will
not be sent to the bank but kept in our files. Upon request from the bank
we will have to send the copy to the bank, but this request will only be
made if the bank has reason to believe criminal transactions are taking
place on the card.

We cannot accept faxed copies; they have to be either scanned and attached
to an email, or sent by snail-mail.

UPGRADE MAESTRO CARD TO MASTERCARD
After the cardholder has used his Maestro Card for three months he/she can
decide to UPGRADE the card to a MASTERCARD. With a Pre-Paid MasterCard the
cardholder can make payments on the Internet where MasterCard is accepted.
Also the card can be used for making reservations in hotels etc.
To upgrade the card a one-time fee of $10 applies. All other cardholder
fees remain the same.
Thank you for your support. This offer includes all current members so if
you have already signed up you will be receiving the card at no charge
delivered to your door.

Mark Herpel
[EMAIL PROTECTED] 




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