Electronic

Fw: For Electronic Arbitration Follow-Up(With New Bank of America Accounts Update)
Friday, June 18, 2010 3:47 PM
From: "cool dela peà ±a" <[email protected]> View contact details To: [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected]... more Message contains attachments 5 Files (489KB) | Download All

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From: new accounts <[email protected]> Subject: Bank of America Alert : Action Requested - Please Contact Us To: [email protected] Date: Sunday, May 30, 2010, 5:51 AM Dear George Palaganas, Thank you for applying online for a Bank of America checking, savings, and/or Certificate of Deposit (CD) account. We have received your online application and simply need you to call us, within 10 days, so that we can verify information received in your online application. This verification is critical to timely processing of your application. If you are unable to contact us within 10 days, you will need to reapply. If you have already contacted the bank on this subject, please disregard. Please contact Bank of America at 1.888.383.7500 between the hours of 8:00 a.m. and 9:00 p.m. Pacific Time Monday through Friday or between the hours of 8:00 a.m. and 5:00 p.m. Pacific Time on Saturdays and Sundays, to open your account now. Your confirmation number is 0006250316 Thank you for giving us the opportunity to serve you and welcome to the Bank of America family. ---------------------------------------------------------------------------------------------------------------------

------------------------Email Preferences This is a service email from Bank of America. Please note that you may receive service email in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. --------------------------------------------------------------------------------------------------------------------------------------------Contact us about this email Please do not reply to this email with sensitive information, such as an account number, PIN, password, or Online ID. The security and confidentiality of your personal information is important to us. If you have any questions, please either call the phone number on your account statement or go to the Contact Us page below, so we can properly verify your identity: http://www.bankofamerica.com/contact/ Privacy and Security Keeping your financial information secure is one of our most important responsibilities. For an explanation of how we manage customer information, please read our Privacy Policy: http://www.bankofamerica.com/privacy You can also learn how Bank of America keeps your personal information secure and how you can help protect yourself: http://www.bankofamerica.com/privacy/index.cfm?template=privacysecur_prevent_fraud Bank of America Email, 8th Floor, 101 South Tryon St., Charlotte, NC 28255-0001 This email was sent to: [email protected] Bank of America, N.A. Member FDIC. Equal Housing Lender: http://www.bankofamerica.com/help/equalhousing.cfm (C) 2007 Bank of America Corporation. All rights reserved. --------------------------------------From: Bank of America Alert <[email protected]> Subject: Bank of America Alert: Your Account Application Status To: [email protected] Date: Friday, May 28, 2010, 5:05 PM Bank of America Customer using a laptop for Online Banking Online Banking Alert

Your application is being processed Dear GEORGE PALAGANAS: We have received your application for the following product(s): MyAccess Checking We are processing your request. If we need additional information, we will notify you by phone or e-mail, however we will not request any information be submitted to us via e-mail. You will receive an e-mail message once your application is complete. Thank you for your patience. If you have questions about your application, our service representatives are available to assist you. Representatives are available at 1.888.383.7500 during the following hours: For applications in California, Washington or Idaho Monday - Friday 8 a.m. - 9 p.m. Pacific Saturday and Sunday 8 a.m. - 4 p.m. Pacific For applications in all other states Monday - Friday 8 a.m. - 9 p.m. Eastern Saturday and Sunday 8 a.m. - 5 p.m. Eastern If you have additional questions about other Bank of America products or services, please call customer service at 1.800.432.1000. Thank you for giving us the opportunity to serve your banking needs. Email Preferences This is a service email from Bank of America. Please note that you may receive service email in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. Contact us about this email Please do not reply to this email with sensitive information, such as an account number, PIN, password, or Online ID. The security and confidentiality of your personal information is important to us. If you have any questions, please either call the phone number on your account statement or use the Contact Us page, so we can properly verify your identity.

Privacy and Security Keeping your financial information secure is one of our most important responsibilities. For an explanation of how we manage customer information, please read our Privacy Policy. You can also learn how Bank of America keeps your personal information secure and how you can help protect yourself. Bank of America Email, 8th Floor, 101 South Tryon St., Charlotte, NC 28255-0001 Official Sponsor 2004-2008 U.S. Olympic Teams Bank of America, N.A. Member FDIC. Equal Housing Lender Ãà 2010 Bank of America Corporation. All Rights Reserved. © This email sent to: [email protected] -----------------------------sUBJ:Thank you for submitting an online application with Bank of America Date:Sunday, June 13, 2010 7:29 PM From: "[email protected]" <[email protected]> Add sender to Contacts To: [email protected] Dear Valued Customer, Thank you for applying for the following Bank of America Small Business account: User ID: SLAN110217 Business name: Bembesan EVIS Account(s) applied for: Small Business Checking Bundle Date of application: 06/13/2010 Your application number: SN12197425 Weââà ¬âÄ¢ll begin reviewing your application within 1 business day and will get back to you soon. In the meantime, you should: 1. Send us your business documents To expedite your account opening, please email ([email protected]) or fax (1.800.435.0051) us your business documents, if you have not done so already. Please use the application number above in all correspondence. A prepared fax cover sheet can be obtained by signing in to check the status of your application. 2. Check the status of your application

After 1 business day, sign in to your Small Business application using the user ID and passcode you created at the time of application or your Online Banking Online ID and Passcode. Sign in at https://www3.bankofamerica.com/small_business/olbextended/index.cfm?template=olb_signin& state=NC&RequestTimeOut=300.

Questions If you have questions about your online application, please contact a Small Business Specialist at 1.866.460.1287. Specialists are available to assist you Monday through Friday, from 8 a.m. to 7 p.m. ET. This is an automatic message ââà ¬â¼ please do not reply or forward.

--------------------------------------------------------------------------------------------------------------------------------------------Email Preferences This is a service email from Bank of America. Please note that you may receive service email in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. --------------------------------------------------------------------------------------------------------------------------------------------Contact us about this email Please do not reply to this email with sensitive information, such as an account number, PIN, password, or Online ID. The security and confidentiality of your personal information is important to us. If you have any questions, please either call the phone number on your account statement or go to the Contact Us page below, so we can properly verify your identity: http://www.bankofamerica.com/contact/ Privacy and Security Keeping your financial information secure is one of our most important responsibilities. For an explanation of how we manage customer information, please read our Privacy Policy: http://www.bankofamerica.com/privacy You can also learn how Bank of America keeps your personal information secure and how you

can help protect yourself: http://www.bankofamerica.com/privacy/index.cfm?template=privacysecur_prevent_fraud Bank of America Email, 8th Floor, 101 South Tryon St., Charlotte, NC 28255-0001 Bank of America, N.A. Member FDIC. Equal Housing Lender: http://www.bankofamerica.com/help/equalhousing.cfm (C) 2008 Bank of America Corporation. All rights reserved. This email was sent to: [email protected] ------------------------------------------Small Business Account More Information Needed Bembesan EVIS Dear George Palaganas:

Your online application number <SN12197425> needs more information so that we can continue to process your application. Currently we are unable to finish processing your General Partnership application until we receive the documentation listed below: * Partnership Agreement (showing business name and name of partners)

* Business Name Filing Document (Such as a Fictitious Name Certificate or Certificate of Trade Name)

Please provide the document(s) that have been listed above. Then fax or email us the completed document(s) so we can continue processing your application. If you have any questions about this or other Bank of America products or services, please contact Bank of America at 1.866.460.1287.

Thank you for giving us the opportunity to serve your business banking needs. Sincerely, Kela Johnson Office: 1.866.460.1287 Ext. 1446370 Fax: 1.800.435.0051 Bank of America

Email Preferences This is a service email from Bank of America. Please note that you may receive service email in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. Contact us about this email Please do not reply to this email with sensitive information, such as an account number, PIN, password, or Online ID. The security and confidentiality of your personal information is important to us. If you have any questions, please either call the phone number on your account statement or use the Contact Us page, so we can properly verify your identity. Privacy and Security Keeping your financial information secure is one of our most important responsibilities. For an explanation of how we manage customer information, please read our Privacy Policy. You can also learn how Bank of America keeps your personal information secure and how you can help protect yourself. Bank of America Email, 8th Floor, 101 South Tryon St. , Charlotte , NC 28255-0001 Bank of America , N.A. Member FDIC. Equal Housing Lender Ãà 2008 Bank of America Corporation. All rights reserved. © This email was sent to: <insert email address>

George C. Palaganas, Ph.D. Current Mailing Address as of 14-November-2009 Saturday) #21 Zamora St. Purok Maligaya II Barangay Poblacion SUR 2307 Paniqui TARLAC Region III PHILIPPINES Phone Number:001(206)339-2624 Fax: 001(206)339-9327 e-mail address: [email protected] PRC Licence Number 0029594-98 Asst.Elec'l Engineer Automated Phone Query: 00632-917-7777 SSSNo.:02-0837587-0 Birthday: 10/19/1968 URLs http://drgeorgecaingletpalaganas.xanga.com http://www.drivehq.com/bbs/bbsindex.aspx/bbsID2066184 --- On Fri, 6/18/10, cool dela peà ±a <[email protected]> wrote: From: cool dela peà ±a <[email protected]> Subject: Fw: For Electronic Arbitration Follow-Up(With Bank of America Accounts Update) To: [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected] Date: Friday, June 18, 2010, 3:45 PM

--- On Sun, 4/6/08, cool dela peà ±a <[email protected]> wrote: From: cool dela peà ±a <[email protected]> Subject: For Electronic Arbitration Follow-Up To: [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected] Date: Sunday, April 6, 2008, 12:29 PM Date: Sun, 06 Apr 2008 02:37:10 -0700 Subject: Receipt for your Money Request To: "George Cainglet Palaganas PhD" <[email protected]>

From: "[email protected]" <[email protected]> Add Mobile Alert Yahoo! DomainKeys has confirmed that this message was sent by intl.paypal.com. Learn more Dear George Cainglet Palaganas PhD, This email confirms that you sent a money request for $10,000.00 USD to [email protected]. It may take a few moments for this transaction to appear in the Recent Activity list on your Account Overview. ---------------------------------------------------------------Money Request Details ---------------------------------------------------------------Amount: $10,000.00 USD Subject: Acct.#105B0439401 e-mail:[email protected] wire transfer To modify or cancel this money request, go to the PayPal website at: https://www.paypal.com/row/prp/id=BQHPxsmD3n1AYLoo.sTMncqSWHBGYLy5CMFRzQ Thank you for using PayPal! The PayPal Team Your monthly account statement is available anytime; just log in to your account at https://www.paypal.com/row/HISTORY. To correct any errors, please contact us through our Help Center at https://www.paypal.com/row/HELP. Please do not reply to this email. This mailbox is not monitored and you will not receive a response. For assistance, log in to your PayPal account and click the Help link located in the top right corner of any PayPal page. ---------------------------------------------------------------Copyright Ãà 1999-2008 PayPal. All rights reserved. © Consumer advisory- PayPal Pte. Ltd., the holder of PayPalââà ¬âÄ¢s stored value facility, does not require the approval of the Monetary Authority of Singapore. Users are advised to read the terms and conditions carefully. PayPal Email ID PP117

------------------------Messages--------------------------------------------------Date: Tue, 1 Apr 2008 15:47:54 -0700 (PDT) From: "cool dela peà ±a" <[email protected]> Add to Address Book Add Mobile Alert Subject: Wire Transfer of Funds To: [email protected], [email protected]

Full name : George C. Palaganas Last four digits of your social security number : **** Your phone number : 206-339-2624 The last deposit amount : $10,000.00 [email protected] April 1,2008 Tuesday Dear Customer Service Representative at accountnowvisa : I just want to enquire on the status of the transfer of funds from PLC Bank in Nigeria account number 105B0439401. I have attached communications from the transfer for your further reference including pertinent documents as attached JPG images. I am hoping for your prompt response. More power! Truly, George C. Palaganas,Ph.D. Phone: 206-339-2624 206-222-2808 ext 3123 Fax: 801-926-6368 e-mail: [email protected] webpage: http://www.geocities.com/manilascooltalk/index.htm ----------Attached Letters Below with attached JPG Files (3) filenames: c1.jpg, c2.jpg,c3.jpg-----------------------------------------------------Date: Fri, 21 Mar 2008 17:50:04 -0700 (PDT) From: "cool dela peà ±a" <[email protected]> Add Mobile Alert Subject: Fund Transfer To: [email protected], [email protected], [email protected], [email protected] March 21,2008 Dr. Andrew Kemaa Director of Funds Remittance +234-708-305-7635 Access Bank Plc Access Bank Plc. 1665 Oyin Jolayemi Street Victoria Island Lagos Nigeria RC 125384 +234-708-305-7635 Dear Andrew Kemaa: I would like the funds on the account(see attached communications), be transferred to my US

Account Bank Name: Palm Dessert National Bank ABA/Router Number: 122244171 Account Number: 601-0797-5290 It will be on a periodic transfer of $10,000.00 every end of the month until all the funds are transferred. Please leave a message to my phone/message service 001-206-339-2624. Thank you. George C. Palaganas ---------------------------------Messages-------------------------------------------------------------------Date: Tue, 4 Mar 2008 18:16:22 -0800 (PST) From: "cool dela peà ±a" <[email protected]> Add Mobile Alert Subject: December 21,2007 by electronic solution agreement To: [email protected], [email protected] March 04,2008 [email protected] The Head, Contact Center Access Bank Plc Plot 1665, Oyin Jolayemi Street Victoria Island Dear Access Bank Plc: An account was opened with your bank by yours truly on December 21,2007 by electronic solution agreement(see attached files). I was wondering what happened with it? By this time, my new address is 64 Lacayanga Subd. Phase 2 Purok 1 Samput Paniqui Tarlac Philippines 2307 Phone: 001-206-339-2624

Truly, George C. Palaganas,Ph.D. -----------------------Messages-------------------------------------Date: Mon, 18 Feb 2008 14:28:41 -0800 (PST) From: "cool dela peà ±a" <[email protected]> Add Mobile Alert

Subject: Update(?) To: [email protected], [email protected] February 19,2008 Dr. Andrew Kemaa Director of Funds Remittance +234-708-305-7635 Access Bank Plc Access Bank Plc. 1665 Oyin Jolayemi Street Victoria Island Lagos Nigeria RC 125384 +234-708-305-7635 Dear Dr. Kemaa: I was just wondering what happened to the bank account you have communicated with me December of 2007. It is almost two months now and I haven't heard from you since. Please call up +001-206-339-2624(Washington) for details regarding our set-up. I remain, George C. Palaganas, Ph.D. 9427 Southwest Barnes Road Portland, OR 97225 Phone: 206-339-2624 206-222-2808 ext. 3123 Fax: 801-926-6368 e-mail: [email protected] --------------------------------------Messages-----------------------------------------------------------------Date: Fri, 21 Dec 2007 05:43:16 -0800 (PST) From: "cool dela peà ±a" <[email protected]> Add to Address BookAdd to Address Book Add Mobile Alert Subject: Attachments 2 To: [email protected], [email protected] Friday December 21,2007 Dr. Andrew Kemaa Director of Funds Remittance +234-708-305-7635 Access Bank Plc Access Bank Plc. 1665 Oyin Jolayemi Street Victoria Island Lagos Nigeria RC 125384 +234-708-305-7635 Dear Andrew Kemaa: Please be advised that the name listed in your mailmerge letter is of a George Cainglet Cainglet. My name is George Cainglet Palaganas. I have to make this point clear as the payout may go to

someone else's if the correction to this matter will not be immediate. Wait for the courrier through Western Union for the payment through Universal Mastercard of Western Union will be arriving soon. I understand that the notarization is $560(Php 23,312.80) ,see rate at http://www.xe.com and I'll send to you a JPEG or GIF scanned copy of the receipt as I am preparing the amount. With utmost convenience, I advise you also to give me a voicemail message at Yahoo! Messenger, and look at http://www.geocities.com/manilascooltalk/talk.htm for instructions. It is nice doing business with you. Truly Yours, George C.Palaganas e-addie: [email protected] URL: http://www.geocities.com/manilascooltalk URL: http://www.geocities.com/manilascooltalk/will.htm ------------------------------Messages--------------------------------------------------Date: Thu, 20 Dec 2007 22:41:14 -0800 (PST) From: Send an Instant Message "Access Bank Plc" <[email protected]> Add to Address BookAdd to Address Book Add Mobile Alert Yahoo! DomainKeys has confirmed that this message was sent by yahoo.com. Learn more Subject: ACCESS BANK (Transfer Notification) To: [email protected] Access Bank Plc Access Bank Plc. 1665 Oyin Jolayemi Street Victoria Island Lagos Nigeria RC 125384 +234-708-305-7635 ATTENTION:George Cainglet Cainglet, Be informed that the verifications department of the bank has officially cleared you for payment. Your information has been fed into the bank database as the original beneficiary of the cash prize under the Australian Lottery, the processing of your payment is in progress and within a shortwhile the transfer shall be made to your designated account. Before the transfer of your prize can be carried out/effectively, you are required to make the payment for Notarization and Stamp Duty. After verification of your winning notification and documentation, we are required to get Notarization and Stamp Duty on your winning to enable the Bank carry out the transfer of your winning and also to make you the ultimate beneficiary of the draw under the Australian International Lottery Inc, zoned under Nigerian Payment Center. Thus, you are required to make the payment of $560 (Five Hundred and Sixty United States Dollars) to enable the bank get Notarization and Stamp duty as official clearance to transfer your cash prize.

The breakdown of the required fees is as follows: $350 is for Notarization and stamp duty, which is to be paid at the OFFICE OF THE FEDERAL HIGH COURT REGISTRAR. $210 is for the shipment to you via courier service, the Hard Copy of your Winner's Certificate and other promotional items, since you cannot be physically present to collect them. This is to enable this Bank effect the transfer of your winning Prize through Bank-Bank wire transfer, within 48 hours after clarification of your payment for Stamp Duty and Notarization. For fastness and convenience, the payment should be made through Western Union Money Transfer in the name of our Account officer. Below are the details you require from us to make the payment. Receiverââà ¬âÄ¢s name: AGUMBA GERALD Receiverââà ¬âÄ¢s location: Lagos state, Nigeria Text question: Your favorite color Answer: Green Amount: $560 Scan and send to us a copy of the payment slip OR provide to us the MTCN (Money transfer control number) as soon as you have made the payment. Thanking you for your anticipated understanding and soliciting your adherence to these directives. Note: The fee cannot be deducted from your prize because the Australian Lottery for security reasons insured your prize as fixed deposit in this Bank. Regards, Dr. Andrew Kemaa Director of Funds Remittance +234-708-305-7635 Ãà 2007 Access Bank Plc. All Rights Reserved. © Be a better friend, newshound, and know-it-all with Yahoo! Mobile. Try it now. Dec.20,2007 Thursday Dr. Andrew Kemaa Director of Funds Remittance +234-708-305-7635 http://www.eyefetch.com/image.aspx?ID=624523 ccess Bank Plc Access Bank Plc.

1665 Oyin Jolayemi Street Victoria Island Lagos Nigeria RC 125384 http://www.accessbankplc.com/ +234-708-305-7635 Dear Dr. Andrew Kemaa: In response to your e-mail date Dec.20,2007 Thursday, I advise you to leave your messages at http://www.geocities.com/manilascooltalk/talk.htm Please include your phone and e-addie where I can contact you. A scanned copy of one of the following will come soon after I check with the bank. 1) A SCAN COPY OF YOUR PASSPORT 2) A SCAN COPY OF YOUR DRIVER'S LICENCE 3) A SCAN COPY OF ANY IDENTIFICATION CARD. Thanks. Respectfully, George C.Palaganas e-addie: [email protected] URL: http://www.geocities.com/manilascooltalk URL: http://www.geocities.com/manilascooltalk/will.htm

---------------------------------Messages----------------------------------------------Date: Thu, 20 Dec 2007 10:32:58 -0800 (PST) From: Send an Instant Message "Access Bank Plc" <[email protected]> Add to Address BookAdd to Address Book Add Mobile Alert Yahoo! DomainKeys has confirmed that this message was sent by yahoo.com. Learn more Subject: ATTN:George Cainglet Palaganas To: [email protected] Access Bank Plc Access Bank Plc. 1665 Oyin Jolayemi Street Victoria Island Lagos Nigeria RC 125384 http://www.accessbankplc.com/ +234-708-305-7635

ATTENTION: George Cainglet Palaganas, Be informed that this bank have received from your regional Claims Office your Application Form for Payment and your winning file as well. Therefore we have commenced the processing for the payment of $400,000USD,which is your entitled sum.and attached to this mail is your Deposit Certificate. The transfer will be based on the information provided in your Application form and everything must go in accordance with the ethics and policies of our banking regulation. Attached to this email is the Certificate of Deposit of your fund in our Custody, It is for your verification and documentation. It proves that your fund exists with our bank in a fixed Deposit Account. BANK TRANSFER STATEMENT ***INPUT MESSAGE TYPE: Customer Transfer ***ORDERING CUSTOMER: Australian Lottery Inc. ***TRANSACTION REFERENCE NO: 105B0439401 ***AMOUNT WON: $400,000.00 ***CURRENCY CODE: US Dollars ($) In your application form we received the information below and we are presenting it to you for your reconfirmation, we advise you make corrections or modification if necessary because we shall process your winning prize with the information you provided in the application form. We are hence not liable for errors made by you typographically or otherwise. BENEFICIARY ACCOUNT INFORMATION PERSONAL INFORMATION. FIRST NAME..................George MIDDLE NAME.................Cainglet LAST NAME...................Palaganas SEX.........................Male DATE OF BIRTH...............October 19,1968 ADDRESS..................... 7830 Granville St. , Vancouver ,B..C. CANADA V6P4Z2 NATIONALITY.................Filipino OCCUPATION..................Engineer/Caregiver PHONE #.....................001-604-264-9755 [email protected] BANK ACCOUNT INFORMATION. Royal Bank du Canada MODE OF TRANSFER............wired IF BANK TRANSFER BANK NAME...................Royal Bank du Canada BANK ADDRESS................Granville St. Vancouver, B.C. BANK ACCOUNT #...............to be wired by bank branch

Therefore you are required to get back to us on the receipt of this email/document so that we can proceed with the processing for your transfer. You are also required to provide any one of the following document for the final processing for your transfer. ANY OF THIS: 1) A SCAN COPY OF YOUR PASSPORT 2) A SCAN COPY OF YOUR DRIVER'S LICENCE 3) A SCAN COPY OF ANY IDENTIFICATION CARD.

On behalf of the Management of this Bank, I congratulate you on your winning and advice you make judicious use of your money. Regards, Dr. Andrew Kemaa Director of Funds Remittance +234-708-305-7635 ------------------------------------Messages----------------------------------

---------------------messages---------------------------Date: Thu, 20 Dec 2007 18:31:56 +0000 (GMT) From: Send an Instant Message "Mr Nick Lopez" <[email protected]> Add to Address BookAdd to Address Book Add Mobile Alert Yahoo! DomainKeys has confirmed that this message was sent by yahoo.co.uk. Learn more Subject: FURTHER INFORMATION To: [email protected] DEAR LUCKY WINNER, YOUR FILE HAS BEEN SENT TO THE PAYING BANK. THE BANK INSTITUTION WILL EFFECT THE SENDING OF YOUR PRIZE. YOU WILL BE CONTACTED FOR FURTHER INFORMATION BY THE BANK. NOTE: YOUR EARLY RESPONSE TO THE BANK IS HIGLY NECESSARY, IN ANTICIPATION TO THIS,FEEL FREE TO WRITE ME ANY TIME.

KEEP ME INFORMED WITH THE BANKS INFORMATIONS AND UPDATEDS. CONGRATULATION ONCE AGAIN ON YOUR WINNING!!!! THANKS, MR. NICHOLAS LOPEZ {REGIONAL CLAIMS AGENT} Australian Lottery Inc Contact Number +2348033988800 Email address:[email protected] -------------------------------------------------------------------------------You rock. That's why Blockbuster's offering you one month of Blockbuster Total Access, No Cost. ---------------------Messages---------------------------------------------------------------------Resumeââà ¬âÄ¢ of GEORGE C. PALAGANAS #131a Sct. Lozano, Brgy. Sacred Heart Kamuning Quezon City Tel.No. 001-206-339-2624(Washington) BAYANTEL Phones Only (PLDT INACTIVE). You may also use Microsoft Outlook or Yahoo! Messenger with Voice to call up the number. e-mail address: [email protected] Comprehensive Summary of George C. Palaganas ,Ph.D. Date: 5-Apr-2008 Saturday Electrical Engineer with extensive computer/mathematics teaching and telemarketing experience, works part-time as Payment Collection Manager, wants to work with a large telemarketing company. Has wide experience in different computer platforms including IBM 9151 Mainframe, SPARC Workstations, desktops(PS4) and notebooks running on different OS including UNIX(Solaris), Windows XP/Me, and VMS over the years. Have worked with several Internet Browsers including Navigator,Explorer,Opera and Mozilla Firefox. A novelist, have written several novels including The Millennium Man, Ychtulla, Primate Return of One Twelve and many others. Written several text books including Datastructures in Turbo PASCAL and Polyquant. Have been to Vancouver,B.C.Canada as a caregiver, travelled also to Hong Kong, and Calgary,Alberta under a government program called Project Isabela. A member of Meralco Manpower Pool in Meralco, Ortigas, Pasig, been to three interviews with the company including transportation extension but failed to get in. A former seminarian with Mother of Good Counsel Seminary.His awarded doctoral degree from University of Norte Regina is a product of his successful monitoring and lobbying of Ukatze's accreditation in the United Nations and the protest on Jakarta's occupation of Terang's relative position on the mercator map. George C. Palaganas ,Ph.D.ââà ¬âÄ¢s Specialties: Webpage Development(including html,xml,etc.), Data Structures, cost estimation, arbitrary mediation --------------------------------------------------------------------------------

George C. Palaganas ,Ph.D.ââà ¬âÄ¢s Work Experience: Payment Collection Manager Asian Market Exchange Co. (International company,Shanghai-based; Financial) February 2008 - present (2 months) Payment Collection Manager processing rebates and Internet related payments. (Annual Gross Income: Php 442,800.00 [US$10,800.00 per annum]) Engineer BEMBESAN EVIS (Self-employed) (Self-Employed; 1-10 employees; Telecommunications industry) January 2000 ââà ¬â¼ Present (8 years 4 months) Free-lance electrical engineer, the partnership started in building and construction, eventually shifted to entertainment and telemarketing. Internet is the main venue of operation. (Annual Gross Income: Php 100,000.00) Math/Computer Subjects Instructor Integrated Computer School Foundation (Privately Held; 11-50 employees; Education Management industry) 1998 ââà ¬â¼ 1999 (1 year) (Angeles City) Teaching Math and Computer Subjects specifically Algebra, Systems Analysis and Design, Wordprocessing, Programming(Clipper), BASIC,and Computer Architecture. (Annual Gross Income: Php 80,000.00 ) Systems Engineer Philippine Systems and Products Incorporated(PSPI) (Government Agency; 501-1000 employees; Government Administration industry) August 1998 ââà ¬â¼ October 1998 (3 months) Systems Engineer for Bureau of Internal Revenue computer operations assigned in Region III, the job involves computer operation in UNIX(SOLARIS) Environment on SPARC Workstations. (Annual Gross Income: Php 192,000.00) Computer Instructor m/set(Micro/Software Education and Training) (Privately Held; 51-200 employees; Computer Software industry) 1992 ââà ¬â¼ April 1998 (6 years) Teaching computer subjects assigned on different tie-up schools all over the archipellago. Assigned at the following schools and locations, Camiling Colleges(Camiling, Tarlac) School Year 1992- 1993, School of St. Joseph The Apostle(Cabagan, Isabela) Summer 1993, Colegio De San juan De Letran(Calamba,Laguna)School Year 1993-1994, St.Peregrine Catholic School(Cavite City) Summer 1994, Sto. Nino High School(Cavite City) Summer 1994, St. Theresa's College(Bauan,Batangas) School Year 1994-1995, Holy Family Academy(Angeles City) School Year 1997-1998 (Annual Gross Income:Php 50,000.00 ââà ¬â¼ Php 65,000.00) Caregiver(Geriatric Care) Dr. Imelda Palaganas Lacayanga Clinic (Sole Proprietorship) (Sole Proprietorship; 1-10 employees; Medical Practice industry)

June 1996 ââà ¬â¼ November 1996 (6 months) Caregiver in British Columbia,CANADA. The job involves geriatric care on 6 hours a day, 5 days a week basis. (Annual gross income: approx. $14,000.00(Php 288,000.00)) Crew member Multiple Achievements Corporation (Privately Held; 501-1000 employees; Food & Beverages industry) April 1988 ââà ¬â¼ March 1992 (4 years) A working student food service crew(preparator) with Cindy's F.Taà ±edo, started as a dining bus boy and was promoted to a preparator position in three months. (Annual Gross Income:Php 41,000.00) -------------------------------------------------------------------------------George C. Palaganas ,Ph.D.ââà ¬âÄ¢s Education EDUCATION and Special Trainings: University of Norte Regina Bayusan Ave. Norte Regina,Terang Ukatze Doctoral Degree in Philosophy, Awarded Doctorate, 2007 ââà ¬â¼ 2007 Moving for the recognition of Ukatze in the UN and the League of Nations as a legitimate country. In search for UKATZE's accreditation in the world map after Jakarta occupied its mercator position in a Manila MAP. Bank of The Philippine Islands Information Systems Institute(BPI-ISI) Paseo De Roxas, Makati City Information Systems Study Programme, COBOL Programming with VMS Operations on IBM 9151 Mainframe Computer, 1995 ââà ¬â¼ 1995 ISSP program under BPI Foundation Activities and Societies: Graduate of the whole program(Information Systems Study Program) but set aside employment with the bank(the job required a 3 year contract worth Php300,000.00 in 1995) in favor of VISA awaiting plans to migrate to Canada as CAREGIVER. KCP Consultants Victoria Bldg. Quezon Ave., Quezon City Caregiver Program, Caregiving, 1995 ââà ¬â¼ 1995 with RED Cross Manila Required EMS accreditation Studied basic of EMS (Training and Application),Hotel and Restaurant BASIC Courses, did onthe-job training with the Golden Acres(back of SM North EDSA), DSWD Distressed Children SHELTER, and hospital OJT with VETERANS Memorial Clinic(North EDSA). Tarlac State University Romulo Boulevard Tarlac City 2300 BSEE, Electrical Engineering,Automotive Technology, 1987 ââà ¬â¼ 1992 @Isagani Lodge Scholarship Grantee 1987 - 1992 @Dean's Lister 1987 - 1990 @ Rotaract Club Scholarship Grantee 1987 @ member of TSU Debating Team( Best Debater 1990) @ TSU School Paper(THE WORK) Sports Editor 1991-1992 @Math Wizard 1987 IEATVEC Foundation On two Courses, Bachelor of Science in Electrical Engineering(5 years) and Automotive Technology(2 years). A graduate in BSEE and a 3-module (15 units) undergrad in Automotive Technology including the modules Engine Repair, Driving and Troubleshooting and Automotive

Wiring. SYSTEM(Student Science and Technology Movement) President 1987 TSU IIEE Student Chapter Vice President 1991-1992 Mother of Good Counsel Seminary(MGCS) University Site, San Fernando, Pampanga Bachelor of Arts, Philosophy, Mathematics, Science, Law Preparatory Courses, 1986 ââà ¬â¼ 1986 Altar Server, Bulletin Board writer(VERTICALHORIZON) One semester(First Semester School Year 1986 -1987) of AB Philosophy Course in the seminary's formation center. Saint Rose Catholic School Sta. Rosa St. Paniqui,Tarlac 2307 High School, High School Studies, 1983 ââà ¬â¼ 1986 Graduated on top of the class as Valedictorian of Class '86, receiving 14 medals(11 GOLDs,1 SILVER, 1 Bronze,and a Silver CROSS) including awards in Mercury Drug Excellence Medals in Math,Science and English and the Gerry Roxas Award. Member of Student Experimental Theater(SET) Rosales National High School Rosales, Pangasinan First Year High School, High School Freshmen, 1981 ââà ¬â¼ 1982 2nd Place Best in Declamation Student Body Counselor Paniqui South Central Elementary School Mc Arthur High Way, Paniqui,Tarlac 2307 Primary and Intermediate Courses, Elementary Subjects, 1975 ââà ¬â¼ 1981 Graduated First Honorable Mention QUIZ Bee(Science) Division Finalist 1980, BATMEN Cheering Squad Member, On the Spot Painting Contest Winner 1978,1979,1980 George C. Palaganas ,Ph.D.ââà ¬âÄ¢s Groups/Organizations: IEEE,IIEE George C. Palaganas ,Ph.D.ââà ¬âÄ¢s Other Curriculars: has travelled to British Columbia,Canada and Calgary Alberta under the Canadian Government's Project Isabela. Has also travelled to British HongKong, Ukatze(formerly Ung Kuang). Military Education History of George C. Palaganas,Ph.D. High School 1985-1986 CAT-I Citizen Army Training St.Rose Catholic School Paniqui,Tarlac Rank: Captain Designation: Deputy Intelligence and Communications Officer Passed Cadet Officer's Qualification Course Summer 1985 Passed Cadet Officer's Candidate Course Summer 1985 University First Semester 1987-1988 MS11 Basic Military Training Tarlac College of Technology Tarlac City Second Semester1987-1988 MS12 Basic Military Training 2 Dr.Nicanor Reyes Memorial Colleges Paniqui,Tarlac First Semester 1988-1989 MS21 Military Tactics and Weaponry Tarlac College of Technology Tarlac City Second Semester 1989-1990 MS22 Advanced Military Tactics Tarlac State University

Tarlac City Received Diploma/Certificate in Citizenship Military Training with the rank of Second Lieutenant of the Reserved Forces Philippine Army on April 1990 from the Tarlac State University PERSONAL DATA of George C. Palaganas,Ph.D.: Birthday: October 19, 1968 Place of Birth: Paniqui, Tarlac Height: 162 cm. Weight: 63 kg. Father: Eligio D. Palaganas Mother: Erlinda Cainglet Civil Status: Single Religion: Catholic Age: 39 Sex: Male SSS No. 02-0837587-0 TIN No. 915-288-133-000 Passport No. AA1222253 NBI ID. No. P088G1NASGE0000 PESO-QC ID No. M49619 --------------------Salary/Finances History----------------------------------Bank Accounts History of George C. Palaganas,Ph.D. 1979 - 1980 Bankname: Philippine National Bank Branch: Paniqui Municipal Hall Account Type: Savings with Passbook Network: Megalink Bankname: Thrift Savings Bank Branch: M.H. Del Pilar St. Corner McArthur Hi-way Paniqui,Tarlac Account Type: Savings with Passbook Network: unknown 1981-1989 Bankname: Trader's Royal Bank Branch: Carmen Rosales Pangasinan Account Type: Savings with Passbook(Kiddie Saver's) Network: Bancnet 1991-1993 Bankname: PCI Bank Branch: F.Taà ±edo St.,Tarlac City Account Type: Savings with ATM Network: Bancnet 1994-1995 Bankname: Bank of the Philippine Islands Branch: West Triangle, Quezon City Account Type: Salary with ATM Network: Expressnet Employer: Micro/Software Education and Training Bankname: Bank of the Philippine Islands

Branch: Calamba,Laguna Account Type: Savings with ATM Network: Expressnet Bankname: BPI-Family Bank Branch: Paseo de Roxas Corner H.V. Dela Costa Makati City Network: Expressnet 1996-1998 Bankname: Royal Bank of CANADA Branch: Granville St. ,British Columbia,CANADA Account Type: Checking with ATM Network: INTERAC 1998-1999 Bankname: Security Bank Branch: Paseo de Roxas corner Pasay Road Makati City Account Type: Salary/Savings with ATM Network: MEGALINK/Bancnet/Expressnet Employer: Sun MICROSYSTEMS Philippines,Inc.(Philippine Systems and Products,Inc.) 2000 Bankname: First Provincial Bank Branch: M.H. Del Pilar St. Paniqui,Tarlac Account Type: Savings with Passbook Network: 2007 Bankname: PLC Bank of NIGERIA Branch: Olajeyin,Victoria,NIGERIA Account Type: Bond Deposit Account Number:105B0439401 Network: ACCESS 2008 Bankname: First Premier Bank of DELAWARE Branch: P.O. Box 1559 Hockessin, DE 19707-5559 Account Type: Credit/Checking Account Number:517021345 ABA/Router No.:111000025 Network: Bank of America Bankname: Palm Dessert National Bank Branch: San Ramon, California Account Type: Salary with ATM(Checking) Account Number:60107975290 6010797-xxxx ABA/Router No.:122244171 Network: ACCESS Employer: Bembesan EVIS ----------------------------Messages-----------------------------------------------------------------Date: Fri, 8 Feb 2008 15:41:26 -0800 (PST) From: "cool dela peà ±a" <[email protected]> Add Mobile Alert

Subject: FED EXPRESS Messages Received Tracking Numbers: 798865813992/791843260098 To: [email protected], [email protected], [email protected] February 09,2008 Saturday(7:06am MLA) Brian Richardson Group Regional Instructor. Help-Desk. Asian Market Exchange Company. USA/CANADA Dear Brian: I received your e-mail dated Mon, 4 Feb 2008 20:07:47 +0000 confirming my appointment as Payment Manager. I received also a message from FEDEX AirCom(800-463-3339) coming from a certain Carrey package from E-Core Financial Package Tracking number: 798865813992 and message was received last 2/5/2008 11:09:52 AM 41KB 27secs. Another message from FEDEX(800-436-3339) on 2/5/2008 12:24:24 PM 72KB 46secs Tracking Number 791843260098. Since you haven't confirmed immediately my appointment, I wasn't certain at first if I really got the job. That means the checks were not deposited as per instruction you have and I would like to inform you that I am in Manila right now. Please call 206-339-2624(Washington) or 206-222-2808(Washington) or send fax messages to 801-926-6368(UTAH). Truly, George C. Palaganas, Ph.D. ---------------------Messages-----------------------------------------From: "USA-CANADA PAYMENTS DEPARTMENT" <[email protected]> Add to Address BookAdd to Address Book Add Mobile Alert Subject: Payment Delivery. Date: Wed, 6 Feb 2008 15:30:41 +0000 Esteemed Payment Manager, I have tried reaching you over the phone 2 times today, I haven't heard from you but I still hope to do so- the tracking number from Fedex shows that the payment package was delivered to your front door. You can look at that online at www.fedex.com/us I want to know if you have deposited the funds as per my instruction,if you haven't received this payment let me know so I can check with the courier company. Respond Asap. Brian Search from any Web page with powerful protection. Get the FREE Windows Live Toolbar Today! Try it now! ---------------------Messages-----------------------------------------From: "Jennifer Lund" <[email protected]> Add to Address BookAdd to Address Book Add Mobile Alert Subject: YOUR FIRST ASSIGNMENT-PLEASE FOLLOW INSTRUCTIONS STRICTLY. Date: Mon, 4 Feb 2008 20:07:47 +0000

Esteemed Payment Manager, This e-mail serves as a reminder to you and also confirming your position in our company as our Legal representative from within your region, I hope you received my previous e-mails where i confirmed the completion of your registration and also informed you that we have introduced you to all our clients -so therefore you should expect that our clients will begin to make payments to you at anytime they owe us. You have been settled for a monthly salary of $900:00 which will come to you in two bi-weekly payments of $450 each, COMMISSION:- You are also entitled to a 10% commission on all payments successfully processed and remitted to our company.This Is: for Instance you receive a Payment of $4000You will deduct a 10% commission of $400 and then remit the balance to the company, the balance $3,600 you will remit to our company. COST:- We always cover the full costs of processing funds for us, we will always make a budget for all payments processed. Questions,Concerns:- Should you have any questions or concerns do not hesitate to contact me at once- I will be here to advise you. DELIVERY OF YOUR FIRST ASSIGNMENT:The funds you should receive within 1- 3 Business Days by FEDEX courier. Processing The Check : Once you receive the check by FedEx courier service, You will be requested to proceed to your bank and deposit the check at once, and then confirm from your bank when the funds will be available for withdrawal ( USUALLY NEXT DAY)or (WITHIN 3 WORKING DAYS) depending on where the funds come from (OUT OF STATE AND INSTATE) Once this has been done, You should get back to me with more Information from your bank. Tomorrow I will send you more Information about this payment,transfer Information and also a tracking number for the courier company,but with all said and done I will like for you to send me an e-mail confirming your receipt of this message. Thanks Brian Richardson Helpdesk Use Messenger to talk to your IM friends, even those on Yahoo! Talk now! ------------------------Messages---------------------------------------Date: Sun, 3 Feb 2008 09:13:56 -0800 (PST) From: "cool dela peà ±a" <[email protected]> Add to Address BookAdd to Address Book Add Mobile Alert Subject: Regarding Updates To: [email protected], [email protected], [email protected] February 03,2008 Brian Richardson Group Regional Instructor. Help-Desk. Asian Market Exchange Company. USA/CANADA Dear Mr. Richardson: It's been more than a couple of days and I haven't received any response from you. I just want to know more updates about my appointment as a payment manager. I hope you can respond immediately.

Truly, George C. Palaganas, Ph.D. Phone: 206-339-2624 206-222-2808 ext 3123 Fax: 801-926-6368 e-mail: [email protected] --------------------------------Messages-------------------------------------------Date: Tue, 29 Jan 2008 04:19:11 -0800 (PST) From: "cool dela peà ±a" <[email protected]> Add Mobile Alert Subject: JOB Offer Accepted : Payment Collection Manager Attention:Brian Richardson Team Regional Instructor To: [email protected], [email protected], [email protected] January 29,2008 Dear Mr. Richardson: This confirms receipt of your letter dated Tue, 29 Jan 2008 01:25:10 -1000 . This acknowledges full cooperation to work with you as one of the company's payment manager. I hope to expect a profitable years to come in working with you. Truly, George C. Palaganas,Ph.D. P.S.Can you just fax the attached file on most recent e-mail(below) to 801-926-6368 or 206339-2624 . I received the file corrupted as my pdf reader can not reconstruct it. Thanks. -------------------Messages-------------------------------------------------------------From: "Customer Service Amec" <[email protected]> Add Mobile Alert Subject: Executive Contract of Agreement/ Get back to me if Interested. Date: Tue, 29 Jan 2008 01:25:10 -1000 Attn :Esteemed Payment Manager, Thanks for applying to our program,we are please to offer you this position. My name is Brian Richardson I am your assigned (Asian Market Exchange Company) Team regional instructor. At this time you will be working directly with me. I hope you will enjoy working with us, and I will be glad to assist you in any difficulty that might arise as well as provide the tasks with instructions for you to fulfill. I am glad to Inform you that you have been offered a place in our establishment as our new 'Payment Collection Manager' In your region. Below is a brief of who we are as well as a scope of the Job. We are an International trading company involved in the cultivation and sales of assorted food types from across 36 countries worldwide. 1.0. WHAT WE DO:- We create a product and service exchange between Customers and dealers, we deliver the goods to the buyer,he/she checks and is satisfied with our product and then pays for the product through us. We are Just a middle man company (similar to escrow). but with a class.

1.1 OUR PROBLEM :-We discovered that since we started business in the USA and CANADA,we have been having problems getting payments from our customers as it was very uneasy for them to send payments to our offices,suppliers or farmers directly considering the time frame required to process foreign Checks (30 Days and Above). 1.2 YOU AS A PAYMENT COLLECTION MANAGER :- Since we won't be able to handle all payments ourselves you will be in charge to receive payments from our clients who live close to you,process and hold payments until we ask you to transfer payments to us. You do not need any formal education or qualification all you need is a proper understanding of this e-mail. 2.0 . FLEXIBLE PROGRAM: Two hours daily at your choice (Day or Evening Time). 2.1. WORK AT HOME: Check e-mails, going to the Bank-part time or full time,professional contact team with very good support and Communication Skills. 2.2. OTHER HIGHLIGHTS: No selling Involved, No Kits to Buy, No Advance fees,we won't charge you anything,you won't spend anything to start. 3.0. SALARY AND WAGES: 3.1. You are entitled to a $450:00 Payment which will come in every two weeks, this amounts to a total of $900:00 Monthly. This payment is Issued to you even if you are not sent any payments within the 2 weeks time frame. 3.2. COMMISSION: 10% of every transaction successfully processed-checks,money orders that is cashed instantly and forwarded to our designated offices within and outside the USA and Canada.'Cash In Hand' or 'Cash at counter' is what we request this is to speed up our supply Rate,as well as satisfy our clients. Check depositing is also encouraged depending on the amounts EXAMPLE: If you receive a check of $1,000:00 your net Income is $100:00 the balance of $900:00 is forwarded to the company. You will be entitled to process payments up to $40,000 Monthly this brings your net % Income to $4,000 per month and then your total monthly Income to $4,900:00 4.0. HOW TO FORWARD PAYMENTS: Once you have received and processed payments,we will send you an e-mail with instructions on how to forward payments. IMPORTANT!!!. (I)YOU WILL PROCESS 2-3 ORDERS PER DAY.WILL INCREASE AS YOU PROCESS ORDERS. (II)THE MORE ORDERS YOU PROCESS AT A FASTER RATE, THE HIGHER YOU STAND TO EARN DAILY. (III)THE MORE PAYMENTS YOU PROCESS ASAP-THE HIGHER YOUR FIXED EARNINGS PER EVERY TWO WEEKS WILL GROW. (IV)YOU MUST BE OVER 21 YEARS OF AGE, WITH A US,or CANADIAN CITIZENSHIP If you meet these requirements,go ahead and read the attachment in this e-mail which contains the rules and regulations binding this job Endeavor, Please read and reply to this e-mail address if you have agreed to work with us as a payment manager or if you wish to decline. Remember to read Sections 4.4 and 6 of the Contract of Employment very carefully as well as other sections, Ensure to include your mailing address and tel/fax numbers for contact purposes. Once you have agreed to work with us, we do not need signatures or any special attestations all we need is an e-mail with your full mailing address and contact telephone number confirming that you have decided to work with us as a payment processing agent.

We will keep these e-mails in case at any time you default in the rules and regulations binding your employment. ALL INFORMATION MUST BE SUBMITTED CORRECTLY AS ANY INFORMATION FOUND NOT TO BE CORRECT AT ANY TIME MAY RENDER YOUR APPLICATION INVALID. We will never ask you for anything more then that, no bank account number, routing number, credit card, passwords, s.s.n # etc.If anyone asks for those on our behalf please do not give out this info. This is to ensure your security and non involvement in cases of Identity Theft. I hope that you understand the process,If you have any questions regarding this position, feel free to contact me any time using my e-mail address. Thanks for Reading. Brian Richardson Group Regional Instructor. Help-Desk. Asian Market Exchange Company. USA/CANADA -------------------------------------------------------------------------------Need to know the score, the latest news, or you need your HotmailÃà ®-get your "fix". Check it out. Note: attached file received corrupted --------------------------Messages----------------------------------------------------------------Date: Mon, 28 Jan 2008 15:44:31 -0800 (PST) From: "cool dela peà ±a" <[email protected]> Add Mobile Alert Subject: JOB Posting Response To: [email protected], [email protected], [email protected] January 28,2008 Monday James Whelehan Hiring coordinator Asian Market exchange Company Dear Mr. Whelehan: In response to your e-mail dated Mon, 28 Jan 2008 18:11:50 -0500 (EST), firstly, let me extend to you my heartfelt gratitude for responding to my job posting. At any instance during the process, do not hesitate to leave your messages or fax your instructions at 206-339-2624 1:YOUR FULL NAMES George Cainglet Palaganas,Ph.D. 2: MAILING ADDRESS WITH ZIP CODE Southwest Barnes Rd. Portland, Oregon, 97225 3: CONTACT TELEPHONE NUMBER /Best Time to call.: 206-339-2624 (anytime) 4. CURRENT OCCUPATION : Internet Outsourcing Regards, George C. Palaganas,Ph.D. ------------------Messages----------------------------------------------------Date: Mon, 28 Jan 2008 18:11:50 -0500 (EST) Subject: Important Employment Information From: "USA & CANADA EMPLOYMENTS OFFICE" <[email protected]>

Add Mobile Alert To: [email protected] Asian Market exchange Company 23rd Floor Singular Plaza 323 Xian Xia Road Shanghai 200336 Tel: +86 (21) 6209-9902. ATTN: Prospective Candidate, In response to your initial listing in the Job search directory we have decided to offer you a place in our part time work program. Since the beginning of our company's establishment, Asian Market exchange Company has been an industry leader as a middleman Company Involved in the exchange of goods, services and payments. We have reached big sales and profits in the Asian and European markets and now trying to penetrate more into the USA and Canadian Markets, very soon we shall establish representative offices and authorized sales centers in the United States of America & Canada. ADVANTAGES: You would be able to work right from your home office. Your job is absolutely legal, 100 % Guaranteed-You can earn up to $3000-$4000 monthly depending on your pace of work and an extra 10% commission on every payment processed. You do not need any capital to start. You can do the Work easily without leaving or affecting your present Job. MAIN REQUIREMENTS: 18 years or older, legally capable responsible ready to work 3-4 hours per week, with PC knowledge, e-mail and internet experience (minimal).Kindly contact Our recruiting department by sending us a short note about yourself which should include: 1: YOUR FULL NAMES 2: MAILING ADDRESS WITH ZIP CODE 3: CONTACT TELEPHONE NUMBER/Best Time to call. 4. CURRENT OCCUPATION Using the Customer service email listed Below. Brian Richardson E-mail [email protected]) Best Regards, James Whelehan Hiring coordinator Asian Market exchange Company

-------------------------------------------------------------------------------Looking for last minute shopping deals? Find them fast with Yahoo! Search. Looking for last minute shopping deals? Find them fast with Yahoo! Search. Never miss a thing. Make Yahoo your homepage. -------------------------------------------------------------------------------Never miss a thing. Make Yahoo your homepage. Date: Fri, 8 Feb 2008 17:00:40 -0800 (PST) From: "cool dela peà ±a" <[email protected]> Add to Address Book Add Mobile Alert Subject: For Electronic Arbitration To: [email protected] February 09,2008 Saturday Dear [email protected], Please transfer the ff. amount on the account below Amount: $US319.80 TO: Account Number: [428755041] Bank BSB: [112-908] Bank SWIFT (BIC): [SGBLAU2S] Bank Routing Code: [021000021] Bank Name: [St George Bank Ltd, Marcus Clarke St, Canberra, Australia] From my account Routing NUmber: 111000025 Acct Number:517021345 Thank you, George C. Palaganas,Ph.D. Below are the letters of current transactions with your bank. Attention: Delaware Payment Services -------------------Messages----------------------------Date: Sat, 2 Feb 2008 09:32:48 -0500 To: [email protected] From: "NCH Software" <[email protected]> Add Mobile Alert Subject: Invoice for Purchase ref SINV6080 NCH Software INVOICE Our Ref: SINV6080 To: George Palaganas From: NCH Software Level 3, 28 University Ave Canberra ACT 2600 Australia For: Software Licenses 1 x IMS On-Hold Player Professional ($139.00ea): $US139.00 1 x IVM Telephone Attendant Professional ($144.16ea): $US144.16

(bundle discount + special offer from normal price $256.40ea) 1 x Express Talk Business Edition ($13.65ea): $US13.65 (bundle discount + special offer from normal price $38.80ea) 1 x Silver Technical Support Service ($8.00ea): $US8.00 Delivery by online download. plus $US15 processing fee for manual invoice payment Total: $US319.80 Payment Instructions: --------------------Please transfer the full amount above to account: [NCH Software] Account Number: [428755041] Bank BSB: [112-908] Bank SWIFT (BIC): [SGBLAU2S] Bank Routing Code: [021000021] Bank Name: [St George Bank Ltd, Marcus Clarke St, Canberra, Australia] You must pay any additional bank fees charged by your bank. You MUST also quote the reference number [SINV6080] on the transfer. After you have made payment please fill out the form on www.nch.com.au/support/inv.html to confirm payment date and remittance. Failure to do any of the above will delay processing of your order. To change your order please also see the information at the bottom of www.nch.com.au/support/inv.html. If you need to contact us about this invoice, please use www.nch.com.au/support/reg.html. You cannot reply to this email. This invoice is an user-generated-invoice. It cannot be used for tax or legal reasons until payment has been made in full. It requires a bank receipt for the telegraphic transfer to be substantiated. ----------------------Messages-------------------------------------Date: Wed, 30 Jan 2008 11:31:21 -0800 (PST) From: "cool dela peà ±a" <[email protected]> Add Mobile Alert Subject: For Electronic Arbitration ABA#111000025 Acct.No. 517021345 To: [email protected] Subject: For Electronic Arbitration ABA#111000025 Acct.No. 517021345 To: [email protected], [email protected] January 30,2008 Dear Bank Managers: I was wondering why there is a hard time for the following loans reflecting on my account with bank of America. My Check bears the following ABA# and Account No.(for electronic arbritration) George C. Palaganas 9427 Southwest Barnes Road PORTLAND, OR 97225 Tel.No. 206-339-2624 ABA # : 111000025 Acct.#: 517021345

The following are data from your bank as I am doing this transactions and letters corresponding to their reflections in our past communications are attached below this letter, Bank of America Data: Re: Applicant #7981562 Email ID: AO203 Confirmation Number: 0002431850 Case number : 32330500 32339564 Letter Code : KMM75514273I26743L0KM The following are data from the lending institutions that effects fund infusion to the checking account and letters including signed commissions are attached below this letter, LENDERS Data: 1.Lending Institution: http://www.MyQuikLoan.com Vancouver, BC V6N 2C7Canada Phone: (800) 474-5686 Fax: (866) 648-3539 Email: [email protected] Loan Contract # 21885498 Customer #: 234-12-3123 Amount Cash Advanced: $400.00 Date of Cash Advance: 29-Jan-2008 2.Lending Institution: http://www.Payday-Loan-Yes.com Supervisor's Phone# (503)2162602 LOAN APPLICATION# 16076688 Amount Cash Advanced: $300.00 Date of Cash Advance: 19-Jan-2008 3.Lending Institution: FLB IBC Limited D/B/A Flash Loans Agreement #: 21913430 Amount: $400.00 Date: 1/31/2008 Total Deposits: $1100.00 If there are more questions regarding the data above on accounts and cash advances, please call me up at 206-339-2624 or fax messages to 801-926-6368. Thank you very much. George C. Palaganas Note: Next below this line are our communications in the past regarding the matter. -------------------------Messages------------------------------------Date: Thu, 31 Jan 2008 08:43:07 -0800 (PST) From: "cool dela peà ±a" <[email protected]> Add to Address BookAdd to Address Book Add Mobile Alert Subject: CONSUMER LOAN AGREEMENT To: [email protected]

CONSUMER LOAN AGREEMENT FLB IBC Limited D/B/A Flash Loans Name: George Cainglet Palaganas Address: 2118 S 875 E Account #: 234-12-3123 City/State/Zip: Clearfield, UT 84015 Type of Contract: Consumer Loan Contract Date: 1/31/2008 Agreement #: 21913430 Disbursement Date: 2/1/2008 Phone: 801-926-6368 Payment Date: 2/15/2008 In this Consumer Loan Agreement (Loan Agreement), the words "you" and "your" mean the borrower who has electronically signed it. The words "we", "us" and "our" mean , FLB IBC Limited D/B/A Flash Loans. In order to complete your transaction with us, you must electronically sign this Loan Agreement by typing your name in the space provided at the end of this document. Consummation occurs when you accept the terms of this Loan Agreement by typing your name at the end of this document. This Loan Agreement represents our unconditional offer to extend you credit. If you properly accept this Loan Agreement as offered, then it becomes a binding contract. You have chosen to receive the proceeds of this Loan Agreement electronically. Therefore, if the Loan Agreement is consummated, then we will use commercially reasonable efforts to effect a credit entry by depositing the proceeds from this Loan Agreement into the bank account listed below in the ACH Authorization ("Your Account") on 2/1/2008 ("Disbursement Date"), unless such proceeds are applied to any outstanding obligation to us. Unavoidable delays as a result of inadvertent processing errors and/or "acts of God" may extend the time for the deposit. You promise to pay us the Total of Payments according to the terms of the Disclosures set forth below and other permitted charges on the date stated in your Payment Schedule below, or after the Disbursement Date in the event of a delayed disbursement, (the "Payment Date"). Precomputed interest is calculated from the Disbursement Date based upon the assumption that you will pay us as scheduled. Interest is pre-computed and charged from the Disbursement Date until the Payment Date, and the amount of interest and rate is set forth in the Annual Percentage Rate and Finance Charge disclosure below. No interest will accrue after the Payment Date. All payments will be applied first to interest and then to principal. Both the amount of interest charged and rate thereof are set forth respectively in the Finance Charge and Annual Percentage Rate disclosures. Pursuant to the ACH authorization Agreement, you direct us, our successors or assigns to initiate an ACH debit entry to debit funds from Your Account on the Payment Date or thereafter. FEDERAL TRUTH-IN-LENDING DISCLOSURES ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 782.14 % FINANCE

CHARGE The dollar amount the credit will cost you $ 120.00 Amount Financed The amount of credit provided to you or on your behalf. $ 400.00 Total of Payments The amount you will have paid after you have made all payments as scheduled. $ 520.00 Payment Schedule: One payment in the amount of $520.00 due on 2/15/2008. Security: You are giving a security interest in the ACH Authorization. Late Charge: If you make all or any part of a scheduled payment more than ten (10) days after its due date, you will be charged a late charge of five percent (5%) of the unpaid Total of Payments $520.00. Prepayment: If you pay off early you may be entitled to a refund of part of the finance charge. See your contract documents for any additional information about nonpayment, default and prepayment refunds. Itemization of Amount Financed 1. Amount given to you directly: $400.00. 2. Amount paid on Agreement No. 21913430 with us: $520.00. SECURITY.Pursuant to Comment 2(a)(25) of the Federal Reserve Board Official Staff Commentary to Regulation Z - 226.2, we have disclosed to you that our interest in the ACH Authorization is a security interest for Truth-in-Lending purposes only, because the United States and its State's laws do not clearly address whether our interest in the ACH Authorization is a "security interest".; ACH AUTHORIZATION. You hereby voluntarily authorize us, and our successors and assigns, to initiate an automatic credit and debit entry to your bank account: Name of bank and state: Bank of America; Account type: Checking; Bank routing and transit number:111000025; and Account Number: 517021345 (defined above as "Your Account"). Following consummation of the Loan Agreement, we will use commercially reasonable efforts to deposit the loan proceeds into Your Account on 2/15/2008 "Disbursement Date" above, unless such proceeds are applied to any outstanding obligation to us. Unavoidable delays as a result of inadvertent processing errors and/or "acts of God" may extend the time for the deposit. You agree that we will initiate an ACH debit entry to Your Account for the Total of Payments on the Payment Date. You agree that we will initiate an ACH debit entry to Your Account for any late charge owing under this

Loan Agreement, and that we may initiate ACH debit entries until your loan is paid in full. This authority is to remain in full force and effect until we have received written notification from you of its termination, in such time and manner as to afford us and your bank a reasonable opportunity to act on it. You further authorize us to initiate debit and credit entries as necessary to recoup the outstanding loan balance when an original ACH transaction is returned to us for any reason. You authorize us to verify all of the information that you have provided, including past and/or current information. You agree that the debit entry authorized herein is for repayment of a single payment installment loan and shall not recur at substantially regular intervals. If there is any missing or erroneous information in or with your loan application regarding your bank, bank routing and transit number, or account number, then you authorize us to verify and correct such information. CANCELLATION AND PREPAYMENT.There is no additional charge, fee or any penalty if you prepay in full or in part. You have the right to cancel your obligations without having to pay any finance charge. To cancel this Loan Agreement, you must fax to us, prior to the Deadline, written notice of your intent to cancel. To prepay in full your obligations without having to pay any finance charge, you must fax to us, prior to 5:00 PM Eastern Time on the Disbursement Date, written authorization to initiate a debit entry to Your Account for the principal amount of the loan. If we receive payment of the principal amount of the loan via such authorization, we agree to rebate both the finance charge we have earned and the unearned finance charge so that you will not owe us any finance charge. At any time after 5:00 PM Eastern Time on the Disbursement Date and before 5:00 PM Eastern Time on the business day prior to the Payment Date, you can make partial prepayments or prepay your loan in full. To prepay, you must fax us written authorization to initiate a debit entry to Your Account for the prepayment. If you prepay the loan, you may be entitled to a partial rebate of the un-earned portion of the Finance Charge. Prepayments will be applied first to finance charges and then to principal. LATE CHARGE. If your scheduled payment is late more than ten (10) days after its due date, we will effect a debit entry to Your Account, a Late Charge of five percent (5%) of the unpaid amount owing. RETURNED CHECK CHARGE. If your check is returned for insufficient funds, closed account or a stop payment order, we may collect a returned check charge not to exceed $20 per transaction. DEFAULT, GOVERNING LAW, ASSIGNMENT and EXECUTION. You will be in default if you do not pay us the total amount due, plus any applicable late charges under this Loan Agreement. This Loan Agreement is governed by the laws of Belize, except that the Waiver of Jury Trial and Arbitration Provision is governed by the Federal Arbitration Act ("FAA"). We may assign or transfer this Loan Agreement or any of our rights or obligations hereunder. If this Loan Agreement is consummated, then you agree that the electronically signed Loan Agreement we receive from you will be considered the original executed Loan Agreement, which is binding and enforceable as to both parties. WAIVER OF JURY TRIAL AND ARBITRATION PROVISION. Arbitration is a process in which persons with a dispute: (a) waive their rights to file a lawsuit and proceed in court and to have a jury trial to resolve their disputes; and (b) agree, instead, to submit their disputes to a neutral third person (an "arbitrator") for a decision. Each party to the dispute has an opportunity to present some evidence to the arbitrator. Pre-arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a final and binding decision resolving the dispute, which may be enforced as a court judgment. A court

rarely overturns an arbitrator's decision. THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS: 1. For purposes of this Waiver of Jury Trial and Arbitration Provision (hereinafter the Arbitration Provision), the words "dispute" and "disputes" are given the broadest possible meaning and include, without limitation (a) all claims, disputes, or controversies arising from or relating directly or indirectly to the signing of this Arbitration Provision, the validity and scope of this Arbitration Provision and any claim or attempt to set aside this Arbitration Provision; (b) all federal or state law claims, disputes or controversies, arising from or relating directly or indirectly to this Loan Agreement (including the Arbitration Provision), the information you gave us before entering into the Loan Agreement, including the customer information application, and/or any past agreement or agreements between you and us; (c) all counterclaims, cross-claims and third-party claims; (d) all common law claims, based upon contract, tort, fraud, or other intentional torts; (e) all claims based upon a violation of any state or federal constitution, statute or regulation; (f) all claims asserted by us against you, including claims for money damages to collect any sum we claim you owe us; (g) all claims asserted by you individually against us and/or any of our employees, agents, directors, officers, shareholders, governors, managers, members, parent company or affiliated entities (hereinafter collectively referred to as "related third parties"), including claims for money damages and/or equitable or injunctive relief; (h) all claims asserted on your behalf by another person; (i) all claims asserted by you as a private attorney general, as a representative and member of a class of persons, or in any other representative capacity, against us and/or related third parties (hereinafter referred to as "Representative Claims"); and/or (j) all claims arising from or relating directly or indirectly to the disclosure by us or related third parties of any non-public personal information about you. You acknowledge and agree that by entering into this Arbitration Provision: (a) YOU ARE WAIVING YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; (b) YOU ARE WAIVING YOUR RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; and (c) YOU ARE WAIVING YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR RELATED THIRD PARTIES. 3.Except as provided in Paragraph 6 below, all disputes including any Representative Claims against us and/or related third parties shall be resolved by binding arbitration only on an individual basis with you. THEREFORE, THE ARBITRATOR SHALL NOT CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION. 4. Any party to a dispute, including related third parties, may send the other party written notice by certified mail return receipt requested of their intent to arbitrate and setting forth the subject of the dispute along with the relief requested, even if a lawsuit has been filed. Written Notices to FLB IBC Limited D/B/A/ Flash Loans should be sent to 35A Regent Street, Belize City, Belize

CA and written Notices to Borrower should be sent to the address listed on the contract above. Regardless of who demands arbitration, you shall have the right to select any of the following arbitration organizations to administer the arbitration: the American Arbitration Association (1800-778-7879) http://www.adr.org or National Arbitration Forum (1-800-474-2371) http://www.arb-forum.com. However, the parties may agree to select a local arbitrator who is an attorney, retired judge, or arbitrator registered and in good standing with an arbitration association and arbitrate pursuant to such arbitrators rules. The party receiving notice of arbitration will respond in writing by certified mail return receipt requested within twenty (20) days. If you demand arbitration, you must inform us in your demand of the arbitration organization you have selected or whether you desire to select a local arbitrator. If related third parties or we demand arbitration, you must notify us within twenty (20) days in writing by certified mail return receipt requested of your decision to select an arbitration organization or your desire to select a local arbitrator. If you fail to notify us, then we have the right to select an arbitration organization. The parties to such dispute will be governed by the rules and procedures of such arbitration organization applicable to consumer disputes, to the extent those rules and procedures do not contradict the express terms of this Loan Agreement or the Arbitration Provision, including the limitations on the arbitrator below. You may obtain a copy of the rules and procedures by contacting the arbitration organization listed above. 5. Regardless of who demands arbitration, at your request we will advance your portion of the arbitration expenses, including the filing, administrative, hearing and arbitrator's fees ("Arbitration Fees"). Throughout the arbitration, each party shall bear his or her own attorneys' fees and expenses, such as witness and expert witness fees. The arbitrator shall apply applicable substantive law consistent with the FAA, and applicable statutes of limitation, and shall honor claims of privilege recognized at law. The arbitration hearing will be conducted in the county of your residence, or within 30 miles from such county, or in such other place as shall be ordered by the arbitrator. The arbitrator may decide, with or without a hearing, any motion that is substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In conducting the arbitration proceeding, the arbitrator shall not apply any federal or state rules of civil procedure or evidence. If allowed by statute or applicable law, the arbitrator may award statutory damages and/or reasonable attorneys' fees and expenses. If the arbitrator renders a decision or an award in your favor resolving the dispute, then you will not be responsible for reimbursing us for your portion of the Arbitration Fees, and we will reimburse you for any Arbitration Fees you have previously paid. If the arbitrator does not render a decision or an award in your favor resolving the dispute, then the arbitrator shall require you to reimburse us for the Arbitration Fees we have advanced, not to exceed the amount which would have been assessed as court costs if the dispute had been resolved by a state court with jurisdiction, less any Arbitration Fees you have previously paid. At the timely request of any party, the arbitrator shall provide a written explanation for the award. The arbitrator's award may be filed with any court having jurisdiction. 6. All parties, including related third parties, shall retain the right to seek adjudication in a small claims tribunal for disputes within the scope of such tribunal's jurisdiction. Any dispute, which cannot be adjudicated within the jurisdiction of a small claims tribunal, shall be resolved by binding arbitration. Any appeal of a judgment from a small claims tribunal shall be resolved by binding arbitration. 7. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by the FAA. If a final non-appealable judgment of a court having

jurisdiction over this transaction finds, for any reason, that the FAA does not apply to this transaction, then our agreement to arbitrate shall be governed by the arbitration law of the State of Delaware. 8. This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. This Arbitration Provision is binding upon and benefits us, our successors and assigns, and related third parties. This Arbitration Provision continues in full force and effect, even if your obligations have been paid or discharged through bankruptcy. This Arbitration Provision survives any cancellation, termination, amendment, expiration or performance of any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. If any of this Arbitration Provision is held invalid, the remainder shall remain in effect. INCOME VERIFICATION "I hereby authorize FLB IBC Limited d/b/a/ Flash Loans to verify my past and/or present employment history and income as may be necessary to process my Loan Agreement . The employment and/or income verification that we obtain is only to be used in the processing of my application for the Loan Agreement". We perform searches in the CL Verify, TeleTrack and Veritrac databases which house consumer transaction information from various industries including deferred deposit, check cashing, and consumer finance companies. The information obtained can be used in the decision making of loan approvals. By submitting this application, you certify that all of the information provided is accurate and you authorize us to verify the accuracy of the information by contacting any company or person listed on the application to verify the information. You release all parties from any liability for any damages that may occur. You understand, and agree that any false information provided will be sufficient grounds for the rejection of your application. Your right to file suit against us for any claim or dispute regarding this Loan Agreement is limited by the WAIVER OF JURY TRIAL AND ARBITRATION PROVISION. By electronically signing this Agreement by typing your name at the end of this document, you acknowledge that it was filled in before you did so and you have reviewed the entire Loan Agreement including the FEDERAL TRUTH-IN-LENDING DISCLOSURES, the WAIVER OF JURY TRIAL AND ARBITRATION PROVISION, AND OUR PRIVACY POLICY. You agree that the information you gave us prior to entering into this Loan Agreement is accurate. You represent that you are not a debtor under any proceeding in bankruptcy and have no intention to file a petition for relief under any chapter of the United States Bankruptcy Code. You acknowledge that you have read, understand, and agree to all of the terms of this Loan Agreement including the provision entitled WAIVER OF JURY TRIAL AND ARBITRATION PROVISION. Lender: FLB IBC Limited D/B/A Flash Loans. By typing your name below in the box labeled Borrower's E-Signature, you agree to all of the terms and conditions of this contract. Please type name as found on the application: George Cainglet Palaganas Borrower's E-Signature: Borrower: First Name: George Cainglet Last Name: Palaganas Account #: 234-12-3123 Date: 1/31/2008 PLEASE NOTE YOU SHOULD PRINT AND RETAIN A COPY OF THIS LOAN

AGREEMENT FOR YOUR RECORDS. Any comments or questions may be directed to our Comment Line at the following toll-free number: 1-800-748-8170, fax 1-888-355-6152 or via e-mail to [email protected]. Looking for last minute shopping deals? Find them fast with Yahoo! Search. -------------------------Messages-----------------------------------Date: Wed, 23 Jan 2008 09:53:30 -0800 From: "Nds, Glendale" <[email protected]> Add to Address BookAdd to Address Book Add Mobile Alert Subject: Conditional Review... To: [email protected] Dear George Palaganas, Thank you for applying online for a Bank of America checking, savings, and/or Certificate of Deposit (CD) account. We have received your online application and simply need you to call us so that we can verify your information. Please contact Bank of America at 1.888.383.7500 between the hours of 7:00 a.m. and 10:00 p.m. Eastern Time Monday through Friday or between the hours of 8:00 a.m. and 5:00 p.m. Eastern Time on Saturdays and Sundays, to open your account now. Your confirmation number is 0002431850 Thank you for giving us the opportunity to serve you and welcome to the Bank of America family. --------------------------------------------------------------------------------------------------------------------------------------------Email Preferences This is a service email from Bank of America. Please note that you may receive service email in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. --------------------------------------------------------------------------------------------------------------------------------------------Contact us about this email Please do not reply to this email with sensitive information, such as an account number, PIN, password, or Online ID. The security and confidentiality of your personal information is important to us. If you have any questions, please either call the phone number on your account statement or go to the Contact Us page below, so we can properly verify your identity: http://www.bankofamerica.com/contact/ Privacy and Security Keeping your financial information secure is one of our most important responsibilities. For an explanation of how we manage customer information, please read our Privacy Policy: http://www.bankofamerica.com/privacy You can also learn how Bank of America keeps your personal information secure and how you can help protect yourself: http://www.bankofamerica.com/privacy/index.cfm?template=privacysecur_prevent_fraud Bank of America Email, 8th Floor, 101 South Tryon St., Charlotte, NC

28255-0001 This email was sent to: [email protected] Bank of America, N.A. Member FDIC. Equal Housing Lender: http://www.bankofamerica.com/help/equalhousing.cfm (C) 2007 Bank of America Corporation. All rights reserved. ----------------------Messages---------------------------------------------Date: Tue, 22 Jan 2008 14:48:38 -0800 (PST) From: "Bank of America Customer Service" <[email protected]> Add Mobile Alert Subject: Bank of America has received your e-mail (KMM75683070I26743L0KM) To: "cool dela peà ±a" <[email protected]> Thank you for your inquiry to Bank of America. Please accept this message as a confirmation of the receipt of your e-mail. We will research an answer for you and provide a response by e-mail within 24 hours. Your message has been assigned case number 32339564. Please note that if you send us another e-mail within 15 minutes of your first one, you will receive only one confirmation message from us. In the meantime, did you know that you can quickly find answers to many questions on the Bank of America web site using our Search tool? Find it at http://www.bankofamerica.com/help/ Online Banking --------------------------Messages-----------------------------------------------Date: Sat, 19 Jan 2008 05:22:47 -0800 (PST) From: "cool dela peà ±a" <[email protected]> Add to Address BookAdd to Address Book Add Mobile Alert Subject: fax To: [email protected] 16076688 LOAN APPLICATION PERSONAL INFORMATION Name: George Palaganas Home Phone # (503) 216-2602 Address: 97225 Cellular Phone # Contact # City: PORTLAND State: OR Zip: 97225

Fax number # Social Security Number: 234-12-3123 Email Address: [email protected] EMPLOYMENT INFORMATION Employer: Imelda Lacayanga Your Work Phone # Ext: How long have you worked here: What is your position: Engineering or Technician Supervisorââà ¬âÄ¢s Name: Shift Hours: Supervisor's Phone # 5032162602 Ext: *How much is your NET take home pay each pay period: $ Main Company Phone # Are you paid: Weekly Bi-weekly Twice Monthly Monthly

Next Pay Date:// 2nd Pay:// BANKING INFORMATION Bank Name: BANK OF AMERICA Direct Deposit: Yes No Bank Phone #: Acct Open: ABA #: 111000025 Account #: 517021345 Account Type: Checking Savings How did you hear about us: What Radio What Newspaper 2 CONTACT PERSONS - NOT LIVING WITH YOU Name Phone Number with Area Code Relationship

Other:

By signing below you declare that you ARE Not A regular or reserve member of the Army, Navy, Marine Corps, Air Force or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer (or a dependent of such member). Warning: It is important to fill out this form accurately. Knowingly making a false statement on a credit application is a crime. ___George Palaganas________ ________________ ___1/19/2008___ Printed Name of Applicant Signature of Applicant Date Signed

Please FAX the below documents TO: 1-800-887-9284 * Most Recent Pay Stub * A Voided Blank Check * A Bank Statement will be REQUIRED for the following customers: 1)If your Checking account numbers do not appear on your direct deposit pay stub. 2)If your paycheck is NOT Directly Deposited into your checking account 3)If you receive Benefit income(Social Security, SSI, etc) 4)If you have a Savings Account or a Credit Union Account 5)If you are a Debit Card customer APPLICATION SUPPLEMENT Section A - Privacy Policy "You" or "Your" means you as a participant in or as a user of Payday-Loan-Yes.com's program. "We" or "Our" or "Us" means Payday-Loan-Yes.com. "Our site" means Payday-Loan-Yes.com. All information transmitted, printed or otherwise submitted to the Payday-Loan-Yes.com via this website shall be deemed to be the property of Payday-Loan-Yes.com and we shall be free to use such information for any lawful purpose as detailed herein. This site contains links to other sites and we are not responsible for the privacy practices or the content of such sites. We reserve the right to release such information to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law. Section 1. - Collected Information We automatically collect and/or track the following: (1) Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser). (2) Information knowingly provided by you through on-line forms, registration forms, surveys, and or other entries, such as email addresses, personal, financial or demographic information. (3) Information, user specific or aggregate, on what pages our visitors access. (4) The e-mail addresses of visitors that communicate with Payday-Loan-Yes.com via e-mail. Section 2. - Use of Data Collected We use your personal, demographic and profile data to enhance your experience at our site and to enable us to present content we think you might be interested in. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online. Section 3. - Disclosure of Data to Third Parties If you choose to provide personal information, it will be used for the following purposes: (1) Considering you for an Payday-Loan-Yes.com account. (2) Sharing of your information with trusted third parties such as credit bureaus and or other financial service providers as required by law. (3) For marketing products and services which we determine, in our sole judgment, that you might find of interest. We reserve the right to share, rent, sell, or otherwise disclose data we collect to third parties. Any third party we share, rent, sell, or otherwise disclose data to will be carefully prescreened by us, determined by us to be reputable, and will use the personal data for marketing products and services which we determine, in our sole judgment, that you might find of interest. Section 4. - Your Opt-Out Rights You may opt-out of receiving communications from us and or our partners by not submitting your information. We also allow you to remove your information from our database. If you remove your information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send

promotional correspondences to you. You can remove your information by sending your request in writing via email to Payday-Loan-Yes.com. Section 5. - Your Rights To Your Personal Data Upon request via postal mail or e-mail, we will provide you a summary of personal information retained by us. We will only send your personal records to your e-mail address or postal address we have on file for you. You may modify, correct, change, or update your personal record or remove your personal record from our database by sending your request in writing via email to: [email protected] Section 6. - We Do Not Intend To Collect Data From Children The information and services provided by us or our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever, either inside or outside Payday-Loan-Yes.com. Section 7. - Our Right To Contact You We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or any other policies or agreements relevant to you. Section 8. - Our Right To Change We reserve the right to change this policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our site. Section 9. - Our Contact Information If you have any questions about this privacy statement, the practices of this site, or your dealings with this website, you can contact us via email sent to: [email protected]. SHORT TERM LOANS PROVIDE THE CASH NEEDED TO MEET IMMEDIATE SHORT-TERM CASH FLOW PROBLEMS. THEY ARE NOT A SOLUTION FOR LONGER TERM FINANCIAL PROBLEMS FOR WHICH OTHER KINDS OF FINANCING MAY BE MORE APPROPRIATE. YOU MAY WANT TO DISCUSS YOUR FINANCIAL SITUATION WITH A NONPROFIT FINANCIAL COUNSELING SERVICE. Section B - Right to Cancel YOU MAY RESCIND THIS LOAN IF YOU RETURN THE LOAN AMOUNT ON OR BEFORE 5:00 P.M OF THE NEXT BUSINESS DAY FOLLOWING THE LOAN TRANSACTION. To cancel, you must call us at 1-800-550-6051 to alert us of your intention to cancel. You must also complete the information in this box, sign and fax this document to us at 1-800-887-9284. If you follow these procedures but there are insufficient funds available in your deposit account to enable us to reverse the transfer of loan proceeds at the time we effect an ACH debit entry of your bank account, your cancellation will not be effective and you will be required to pay the loan and our charges on the scheduled maturity date. YOU WISH TO CANCEL. You authorize us to initiate a debit entry to your bank account for the amount of the loan proceeds we deposited to that account at your request. ___________________________________ Print Name X_________________________________ Signature _______________ Date _________________ SSN STOP! DO NOT SIGN ABOVE UNLESS YOU WANT TO CANCEL THE LOAN Section C - Decline Refinance Option YOU MAY DECLINE THE REFINANCING OF THIS LOAN BY SIGNING BELOW. To decline refinancing, you must call us at 1-800-550-6051 to alert us of your intention to decline

this option. You must also complete the information in this box, then sign and fax this document to us at 1-800-887-9284. If you do not follow these procedures your option to decline refinancing will NOT be honored. Your loan will be refinanced. Only the applicable finance charge then owed on any outstanding balance will be deducted from your account. You will accrue new finance charges with every refinance of your loan. ___________________________________ Print Name X_________________________________ Signature _______________ Date _________________ SSN STOP! DO NOT SIGN ABOVE UNLESS YOU WANT TO DECLINE REFINANCE OPTION LOAN NOTE & DISCLOSURE STATEMENT Dated 1/19/2008 Parties: In this Loan Note and Disclosure("Note") you are the person who signs below. We are Lender,"Payday Loan Yes". All references to "we", "us" or "ourselves" means the Lender. Unless this Note specifies otherwise or unless we notify you to the contrary in writing, all notices and documents you are to provide to us shall be provided to "Payday Loan Yes" at the fax number and address specified in this Note and in your other documents. The Account: You have deposit account, No. 517021345 ("Account"), at BANK OF AMERICA ("Bank"). You authorize us to affect a credit entry to deposit the proceeds of the Loan (the Amount Financed indicated below) to your Account at the Bank. DISCLOSURE OF CREDIT TERMS: The information in the following disclosure box is part of this Note. ANNUAL PERCENTAGE RATE (e) The cost of your credit as a yearly rate. 995.455 %(e) FINANCE CHARGE The dollar amount the loan will cost you. $90.00 Amount Financed The amount of credit provided to you or on your behalf. $300.00 Total of Payments The amount you will have paid after you have made the scheduled payments $390.00 Payment Schedule: You must make one payment of $_390.00____ on 2/1/2008 ___ if you decline* the option of renewing your loan. If renewing is accepted you will pay the finance charge of $_90.00__ only, on 2/1/2008 ___. You will accrue new finance charges with every renewal of your loan. On your fifth renewal and every renewal thereafter, your loan will be paid down by $50. This means your account will be debited the finance charge plus $50 on the due date. This will continue until your loan is paid in

full. *To decline the option of renewing you must sign section "C" of the Application Supplement. Security Interest: This loan is unsecured. Prepayment: If you prepay your loan in advance, you will not receive a refund of any Finance Charge. (e) The Annual Percentage Rate is estimated based on the anticipated date the loan proceeds will be deposited to your Account, which is 1/21/2008 ___. Notice: See below and your other contract documents for additional information about prepayment, nonpayment and default. ITEMIZATION OF AMOUNT FINANCED of $300 Given to you directly $ 300 .00 ; Paid on your account $0 . Promise To Pay: You promise to pay to us, Payday Loan Yes, or to our order, in one payment, on the date indicated in the Payment Schedule, the Total of Payments, unless this note is renewed. If this Note is renewed, then on the Due Date, you will pay the Finance Charge shown above. This Note will be renewed on the Due date, unless at least three Business Days before the Due Date, either you tell us you do not want to renew the Note or we tell you that the Note will not be renewed. Information regarding the renewal of your loan will be sent to you prior to any renewal showing the new due date, finance charge, and all other disclosures. As used in the Note, the term "Business Day" means a day other than Saturday, Sunday or legal holiday, that Payday Loan Yes is open for business. This Note may be renewed four times without having to make any principal payments on the Note. If this Note is renewed more than four times, then on the Due Date resulting from your fourth renewal, and on the Due Date resulting from each and every subsequent renewal, you must pay the finance charge required to be paid on that Due Date and make a principal payment of $50.00. On or after the day your loan comes due you authorize us to effect one or more ACH debit entries to your Account at the Bank. You may revoke this authorization, at any time up to 3 business days prior to the due date. However, if you timely revoke this authorization, to effect ACH debit entries before the loan is paid in full, you authorize us to prepare and submit one or more checks drawn on your Account on or after the due date of your loan. This authorization to prepare and submit checks on your behalf may not be revoked by you until such time as the loan is paid in full. You authorize us to collect the payments due by using your debit card information that you provided to us (this will be done as a POS transaction). This may be done in one or multiple amounts using various debits until the amount you owe is paid in full. Additionally, if the account you have provided to us for your ACH debit has been closed or funds are not available at the time of our scheduled debit, you authorize us to debit any account that you hold that we have information. If your Account is with us, you authorize us to deduct the payment from your Account on the day the loan comes due. Prepayment: The Finance Charge consists solely of a Loan Fee that is earned in full at the time the Loan is Funded. You may pay all or part of what you owe prior to the due date, without penalty. However, if you pay early you will not be entitled to a refund of part or all of the Finance Charge. Exchange of Credit Information: We have retained a servicer to service your loan. You authorize us and the Company to share information in connection with the application, processing, funding, servicing, repayment and collection of your loan. Return Item Fee: You agree to pay $30 if an item in payment of what you owe is returned unpaid or an ACH debit entry, the authorization for which was not properly revoked by you, is rejected

by the Bank for any reason. Governing Law Both parties agree that this Note and your account shall be governed by all applicable federal laws and all laws of the jurisdiction in which the Lender is located, regardless of which state you may reside, and by signing below or by your electronic signature, you consent to the exclusive exercise of regulatory and ad judicatory authority by the jurisdiction in which the Lender is located over all matters related to this Note and your account, forsaking any jurisdiction which either party may claim by virtue of its residency. Agreement to Arbitrate All Disputes: By signing below and to induce us, Payday Loan Yes, to process your application for loan, you and we agree that any and all claims, disputes or controversies that we or our servicers or agents have against you or that you have against us, our servicers, agents, directors, officers and employees, that arise out of your application for one or more loans, the Loan Agreements that govern your repayment obligations, the loan for which you are applying or any other loan we previously made or later make to you, this Agreement To Arbitrate All Disputes, collection of the loan or loans, or alleging fraud or misrepresentation, whether under the common law or pursuant to federal or state statute or regulation, or otherwise, including disputes as to the matters subject to arbitration, shall be resolved by binding individual(and not class) arbitration by and under the Code of Procedure of the National Arbitration Forum("NAF") in effect at the time the claim is filed. THEREFORE, THE ARBITRATOR SHALL NOT CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION. INSTRUCTIONS: THIS NOTE IS SUBJECT TO APPROVAL. ââà ¬Â¢ READ THE ENTIRE NOTE. ââà ¬Â¢ IF ALL OF THE LOAN TERMS ARE ACCEPTABLE TO YOU, DATE AND SIGN OR ELECTRONICALLY SIGN AND FAX THIS NOTE BACK TO (800) 887-9284 . ââà ¬Â¢ IF APPROVED, THE LOAN PROCEEDS WILL BE DEPOSITED TO YOUR ACCOUNT INDICATED ABOVE. This Agreement To Arbitrate All Disputes shall apply no matter by whom or against whom the claim is filed. Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, on the World Wide Web at www.arb-forum.com, or at "National Arbitration Forum, P.O. Box 50191, Minneapolis, Minnesota 55405." If you are unable to pay the costs of arbitration, your arbitration fees may be waived by the NAF. The cost of a participatory hearing, if one is held at your or our request, will be paid for solely by us if the amount of the claim is $15,000 or less. Unless otherwise ordered by the arbitrator, you and we agree to equally share the costs of a participatory hearing if the claim is for more than $15,000 or less than $75,000. Any participatory hearing will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce. It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction. This Agreement To Arbitrate All Disputes is an independent agreement and shall survive the closing, funding, repayment and/or default of the loan for which you are applying.

NOTICE: YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION. Agreement Not To Bring, Join Or Participate In Class Actions: To the extent permitted by law, by signing below you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us or our agents, servicers, directors, officers and employees. You agree to the entry of injunctive relief to stop such a lawsuit or remove you as a participant in the suit. You agree to pay the costs we incur, including our court costs and attorneys' fees, in seeking such relief. This agreement is not a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring, join or participate in class action suits is an independent agreement and shall survive the closing, funding, repayment and/or default of the loan for which you are applying. Survival: The provisions of this Note And Disclosure dealing with the Agreement To Arbitrate All Disputes and the Agreement Not To Bring, Join Or Participate In Class Actions shall survive repayment in full and/or default of this Note. Bankruptcy: You represent that you have not recently filed nor do you currently intend to file for bankruptcy. By signing or electronically signing this Loan Note, you certify that all of the information provided above is true, complete, and correct and provided to us, Payday Loan Yes, for the purpose of inducing us to make the loan for which you are applying. By signing below or electronically signing, you also agree to the Agreement to Arbitrate All Disputes and the Agreement Not To Bring, Join Or Participate in Class Actions. By signing or electronically signing this application you authorize Payday Loan Yes to verify all information that you have provided and acknowledge that this information may be used to verify certain past and/or current credit or payment history information from third party sources(s). Payday Loan Yes may utilize Teletrack or other similar consumer-reporting agency for these purposes. We may disclose all or some of the nonpublic personal information about you that we collect to financial service providers that perform services on our behalf, such as the servicer of your short term loan, and to financial institutions with which we have joint marketing arrangements. Such disclosures are made as necessary to effect, administer and enforce the loan you request or authorize and any loan you may request or authorize with other financial institutions with regard to the processing, funding, servicing, repayment and collection of your loan. (This Application will be deemed incomplete and will not be processed by us unless signed by you below or electronically signing). By signing below you declare that you ARE Not A regular or reserve member of the Army, Navy, Marine Corps, Air Force or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer (or a dependent of such member). Warning: It is important to fill out this form accurately. Knowingly making a false statement on a credit application is a crime. XGeorge Palaganas Print Name X_____________________________________________________ Borrower's Signature Date: 1/19/2008 16076688 George Palaganas 234-12-3123

AUTHORIZATION AGREEMENT FOR PREAUTHORIZED PAYMENT Ã Ë PLEASE COMPLETE THE FOLLOWING, SIGN & DATE WHERE INDICATED BELOW: BANK Name___ BANK OF AMERICA __________________________________ Transit/ABA No.___ 111000025 __________________________ Checking Account No.___ 517021345 ____________________________ YOU AUTHORIZE Payday-Loan-Yes.com, to initiate one or more ACH debit entries (for example, at our option, one debit entry may be initiated for the principle of the loan and another for the finance charge) to your Checking Account indicated below for the single payment that comes due with regard to the loan for which you are applying. THERE WILL BE A $30.00 FEE ON ANY ACH DEBIT ENTRY ITEMS THAT ARE RETURNED AT TIME OF COLLECTION. This Authorization becomes effective at the time we make you the loan for which you are applying and will remain in effect until we have received notice of revocation from you. You may revoke this authorization to effect ACH debit entries to your Account by giving oral or written notice of revocation, which, to be effective, must be received by us no later than 3 business days prior to the due date of your loan. However, if you timely revoke the authorization to effect ACH debit entries before the loan is paid in full, you authorize Payday-Loan-Yes.comto prepare and submit one or more checks drawn on your Account on or after the due date of your loan. This authorization to prepare and submit checks on your behalf may not be revoked by you until such time as the loan is paid in full. You authorize us to collect the payments due by using your debit card information that you provided to us (this will be done as a POS transaction). This may be done in one or multiple amounts using various debits until the amount you owe is paid in full. Additionally, if the account you have provided to us for your ACH debit has been closed or funds are not available at the time of our scheduled debit, you authorize us to debit any account that you hold that we have the information. If your Account is with us, you authorize us to deduct the payment from your Account on the day the loan comes due. On or after the day your loan comes due you authorize us to effect one or more ACH debit entries to your Account at the Bank. By signing below you declare that you ARE Not A regular or reserve member of the Army, Navy, Marine Corps, Air Force or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer (or a dependent of such member). Warning: It is important to fill out this form accurately. Knowingly making a false statement on a credit application is a crime. BY SIGNING BELOW, YOU ACKNOWLEDGE READING AND AGREEING TO ALL ITEMS OF THIS AUTHORIZATION AGREEMENT FOR PRE-AUTHORIZED PAYMENT. George Palaganas (X)___________________________________ 1/19/2008 Print Name Signature Date WHAT ARE MY PAYMENT OPTIONS? You will be able to make Payment Arrangements 24 Hours a Day by either using our website at www.Payday-Loan-Yes.com or by calling 1-800-550-6051 and then following the voice prompts. 1. PAY THE FINANCE CHARGE ONLY: You do NOT need to do anything further.We will only debit the finance charge due on your up-coming payday. Remember you will still owe your original loan amount along with another finance charge on your following payday.

IMPORTANT - you may only use this option four times. On the fifth time you must make a minimum payment of fifty dollars towards your loan balance plus your finance charge. 2. PAY THE FINANCE CHARGE AND A PAYMENT TOWARDS YOUR LOAN AMOUNT: You must contact us either via our website at www.Payday-Loan-Yes.com or through our automated telephone system at 1-800-550-6051 at least THREE (3) Full Business Days prior to the Loan due date to inform us of the amount you want to pay. Please remember you must get a confirmation number when using this option. We will only debit the finance charge due plus a payment towards the principle amount on your up-coming payday. The principle payments must be in increments of $50.00. (for example: $50.00, $100.00, $150.00, etc.). Remember you will still owe your new principle amount along with another finance charge on your following payday. 3. PAY YOUR LOAN IN FULL: Please contact us either via our website at www.Payday-Loan-Yes.com or through our automated telephone system at 1-800-550-6051 at least THREE (3) Full Business Days prior to the Loan due date to inform us of your intention to pay in full. Please remember you must get a confirmation number when using this option. Be a better friend, newshound, and know-it-all with Yahoo! Mobile. Try it now. Delete Reply Forward Spam Move... Previous | Next | Search Results -----------------------------------Messages--------------------------------------------Date: Fri, 18 Jan 2008 20:08:30 -0800 (PST) From: "cool dela peà ±a" <[email protected]> Add to Address BookAdd to Address Book Add Mobile Alert Subject: Communications Receipt (Fri, 18 Jan 2008 19:40:40 -0800 (PST)) To: [email protected], [email protected] Saturday January 19,2008 11:56am+8GMT Dear Officer: This confirms receipt of your letter dated Fri, 18 Jan 2008 19:40:40 -0800 (PST) regarding my new accounts application. More Power, George C. Palaganas,Ph.D. [email protected] ------------------------------------------------Messages----------------------------------------------Date: Fri, 18 Jan 2008 19:40:40 -0800 (PST) From: [email protected] Add to Address BookAdd to Address Book Add Mobile Alert To: [email protected] Subject: Your account application status Logo for Bank of America Picture of a laptop computer Checking & Savings Application Your application is being processed Dear George Palaganas: We have received your application for the following product(s):

Regular Checking Regular Savings We are processing your request and you will be contacted soon with additional information. Thank you for your patience. If you have questions about your application, our Service Representatives are available to assist you. Representatives for accounts in California, Washington or Idaho, are available at 1.877.838.4587: Monday - Friday 8 a.m. - 9 p.m. Pacific Saturday and Sunday 8 a.m. - 4 p.m. Pacific Representatives for accounts in all other states are available at 1.888.383.7500: Monday - Friday 7 a.m. - 10 p.m. Eastern Saturday and Sunday 8 a.m. - 5 p.m. Eastern If you have additional questions about other Bank of America products or services, please call customer service at 1.800.900.9000. Thank you for giving us the opportunity to serve your banking needs. Email Preferences This is a service email from Bank of America. Please note that you may receive service email in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. Contact us about this email Please do not reply to this email with sensitive information, such as an account number, PIN, password, or Online ID. The security and confidentiality of your personal information is important to us. If you have any questions, please either call the phone number on your account statement or use the Contact Us page, so we can properly verify your identity. Privacy and Security Keeping your financial information secure is one of our most important responsibilities. For an explanation of how we manage customer information, please read our Privacy Policy. You can also learn how Bank of America keeps your personal information secure and how you can help protect yourself. Bank of America Email, 8th Floor, 101 South Tryon St., Charlotte, NC 28255-0001 Official Sponsor 2004-2008 U.S. Olympic Teams Bank of America, N.A. Member FDIC. Equal Housing Lender Ãà 2008 Bank of America Corporation. All Rights Reserved. © This email was sent to: [email protected] Looking for last minute shopping deals? Find them fast with Yahoo! Search. ------------------------------Messages----------------------------------------------Date: Fri, 18 Jan 2008 19:40:40 -0800 (PST) From: [email protected] Add to Address BookAdd to Address Book Add Mobile Alert To: [email protected]

Subject: Your account application status Logo for Bank of America Picture of a laptop computer Checking & Savings Application Your application is being processed Dear George Palaganas: We have received your application for the following product(s): Regular Checking Regular Savings We are processing your request and you will be contacted soon with additional information. Thank you for your patience. If you have questions about your application, our Service Representatives are available to assist you. Representatives for accounts in California, Washington or Idaho, are available at 1.877.838.4587: Monday - Friday 8 a.m. - 9 p.m. Pacific Saturday and Sunday 8 a.m. - 4 p.m. Pacific Representatives for accounts in all other states are available at 1.888.383.7500: Monday - Friday 7 a.m. - 10 p.m. Eastern Saturday and Sunday 8 a.m. - 5 p.m. Eastern If you have additional questions about other Bank of America products or services, please call customer service at 1.800.900.9000. Thank you for giving us the opportunity to serve your banking needs. Email Preferences This is a service email from Bank of America. Please note that you may receive service email in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. Contact us about this email Please do not reply to this email with sensitive information, such as an account number, PIN, password, or Online ID. The security and confidentiality of your personal information is important to us. If you have any questions, please either call the phone number on your account statement or use the Contact Us page, so we can properly verify your identity. Privacy and Security Keeping your financial information secure is one of our most important responsibilities. For an explanation of how we manage customer information, please read our Privacy Policy. You can also learn how Bank of America keeps your personal information secure and how you can help protect yourself. Bank of America Email, 8th Floor, 101 South Tryon St., Charlotte, NC 28255-0001 Official Sponsor 2004-2008 U.S. Olympic Teams Bank of America, N.A. Member FDIC. Equal Housing Lender

Ãà 2008 Bank of America Corporation. All Rights Reserved. © This email was sent to: [email protected] ----------------------Messages-------------------------------------------------------Date: Fri, 18 Jan 2008 20:15:04 -0800 (PST) From: "New Accounts" <[email protected]> Add Mobile Alert Subject: Bank of America has received your e-mail (KMM75514273I26743L0KM) To: "cool dela peà ±a" <[email protected]> Thank you for contacting Bank of America. We have received your e-mail and will get back to you within two business days. Your message has been assigned case number 32330500. Sincerely, Bank of America Pay your bills online for free! Enroll in Online Banking (at www.bankofamerica.com) now and you can check your balances, view transactions, and pay all your bills in minutes with free, unlimited Bill Pay. If you are already using Online Banking, just click on the Bill Pay and eBills tab to get started paying bills today. -------------------------Messages-----------------------------------------------------Date: Fri, 18 Jan 2008 19:40:40 -0800 (PST) From: [email protected] Add to Address BookAdd to Address Book Add Mobile Alert To: [email protected] Subject: Your account application status Logo for Bank of America Picture of a laptop computer Checking & Savings Application Your application is being processed Dear George Palaganas: We have received your application for the following product(s): Regular Checking Regular Savings We are processing your request and you will be contacted soon with additional information. Thank you for your patience. If you have questions about your application, our Service Representatives are available to assist you. Representatives for accounts in California, Washington or Idaho, are available at 1.877.838.4587: Monday - Friday 8 a.m. - 9 p.m. Pacific Saturday and Sunday 8 a.m. - 4 p.m. Pacific Representatives for accounts in all other states are available at 1.888.383.7500: Monday - Friday

7 a.m. - 10 p.m. Eastern Saturday and Sunday 8 a.m. - 5 p.m. Eastern If you have additional questions about other Bank of America products or services, please call customer service at 1.800.900.9000. Thank you for giving us the opportunity to serve your banking needs. Email Preferences This is a service email from Bank of America. Please note that you may receive service email in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. Contact us about this email Please do not reply to this email with sensitive information, such as an account number, PIN, password, or Online ID. The security and confidentiality of your personal information is important to us. If you have any questions, please either call the phone number on your account statement or use the Contact Us page, so we can properly verify your identity. Privacy and Security Keeping your financial information secure is one of our most important responsibilities. For an explanation of how we manage customer information, please read our Privacy Policy. You can also learn how Bank of America keeps your personal information secure and how you can help protect yourself. Bank of America Email, 8th Floor, 101 South Tryon St., Charlotte, NC 28255-0001 Official Sponsor 2004-2008 U.S. Olympic Teams Bank of America, N.A. Member FDIC. Equal Housing Lender Ãà 2008 Bank of America Corporation. All Rights Reserved. © This email was sent to: [email protected] ---------------------------------Messages-----------------------------------------------Date: Fri, 18 Jan 2008 17:26:59 -0800 (PST) From: "cool dela peà ±a" <[email protected]> Add to Address BookAdd to Address Book Add Mobile Alert Subject: Your confirmation number is 0002431850. To: [email protected], Send an Instant Message [email protected] Using Your Account Application Summary Thank you for choosing Bank of America. You've applied for the accounts listed below. * Regular Checking is being processed * Regular Savings is being processed Your confirmation number is 0002431850. When You Can Use Your Account We will notify you by email when your application has been processed; within 1 to 2 business

days. Please make sure your email filter is set to allow emails from Bank of America. When your account is ready to use, you should expect the following: * If you currently use Online Banking your new account will appear on your Online Banking Overview page within 2 to 4 business days * Your account number, signature card and online banking enrollment instructions will be sent to the account address within 7 to 10 business days * Your ATM or Check Card will be sent to the account address separately within 7 to 10 business days Never miss a thing. Make Yahoo your homepage. ---------------------------Loan Messages----------------------Loan Contract # 21885498 Disbursement Date: 1/31/2008 Payment Date: 2/15/2008 Customer #: 234-12-3123 Type of Contract: S MyQuikLoan Company-Address Vancouver, BC V6N 2C7Canada Phone: (800) 474-5686 Fax: (866) 648-3539 Email: [email protected] Name: George Palaganas Address: 9427 Southwest Barnes Road Address: PORTLAND, OR 97225 Phone: 503-216-2602 In this Consumer Loan Agreement (hereinafter, the "Loan Agreement,") the words "you" and "your" mean the borrower who has electronically signed it. The words "we," "us," "our" and "Lender" mean All America Lending Co., a lender organized under and authorized by the laws of the Musqueam First Nation. In order to complete your transaction with us, you must electronically sign this Loan Agreement at the end of the Loan Agreement. We will then approve or deny the Loan Agreement. Consummation of this Loan Agreement occurs when it is funded by us from our tribal bank account in Canada. We will use commercially reasonable efforts to effect a credit entry by depositing the proceeds from this Loan Agreement into your bank account listed below, unless any of the proceeds of this Loan Agreement are applied to any outstanding obligation to us. Unavoidable delays as a result of bank holidays, the processing schedule of your individual bank, the untimely receipt of pay stubs, if such pay stubs are required, inadvertent processing errors, "acts of God", and/or "acts of terror" may extend the time for the deposit. In the event that the disbursement is delayed, the Disbursement Date will automatically adjust to reflect the date when proceeds entered your Bank Account. If there is a delay in disbursement, we will email you a confidential written notice to the email address provided in your application advising you of the delay and of the adjusted annual percentage rate, as well as any other material changes in the terms of the loan that may be caused by the delay. After the notice is sent to you, you will have the option of rescinding the Loan in accordance with the "RESCISSION" provision listed below, which describes, among other things, the time and manner within which notice of rescission must be given to be effective. Failure to give such notice as and when set out in the "RESCISSION"

provision will be deemed to constitute acceptance by you of the delayed disbursement date and the revised terms of the Loan Agreement. You promise to pay us the Total of Payments according to the terms of our disclosures set forth below on the date stated in the Payment Schedule below ("Payment Date"), unless you elect to refinance your loan. If you agree to refinance your loan, you will be charged a new finance charge based on the loan amount being refinanced. If you qualify and you do not repay the full amount of principal and interest on the Payment Date, your loan will be automatically renewed until your next pay date. This means that you will be charged a new finance charge based on the loan amount being refinanced. Additional payment of principal may be required in addition to the fees due for the renewal of the loan. A new finance charge will be applied to every refinance of the loan. You grant us a security interest in your ACH/EFT Authorization in the amount of the Total of Payments (the "ACH/EFT') which we may negotiate on the Payment Date or thereafter. Pre-computed interest is calculated from the Disbursement Date based upon your promise, as a condition of the Loan Agreement, to pay us as scheduled. Interest is pre-computed and charged from the Disbursement Date until the Payment Date, as set forth in the disclosures below. No interest will accrue after the Payment Date. All payments will be applied first to interest and then to principal. The annualized rate of that interest charged, and the amount of interest charged, are set forth below as, respectively, the Annual Percentage Rate and the Finance Charge. Pursuant to the ACH/EFT Authorization, you have directed us, our successors and assigns to initiate one or more ACH/EFT debit entries to Your Bank Account to deduct the Total of Payments from Your Bank Account on the Payment Date or thereafter and for certain fees that may be assessed in the event of dishonor when presentment is made to your bank on your ACH/EFT Authorization. If you are in default, you authorize us, our servicer or our agent, including attorneys and third party collection agencies, to continue initiating one or more ACH/EFT debit entries to your bank account, or any other bank account in your name, up to and less than the amount owed until all amounts that you owe are paid in full, including any principal, interest, fee, or the return fee. CONSENT TO ELECTRONIC COMMUNICATIONS The following terms and conditions govern electronic communications in connection with this Loan Agreement and the transaction evidenced hereby (the "Consent"). By electronically signing this Loan Agreement below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. You agree that: * Any disclosure, notice, record or other type of information that is provided to you in connection with your transaction with us, including but not limited to, this Loan Agreement, this Consent, the Truth in Lending disclosures set forth below (but not required by Musqueam First Nation law), change-in-term notices, fee and transaction information, statements, delayed disbursement letters, notices of adverse action, state mandated brochures and disclosures, terms and conditions and transaction information ("Communications"), may be sent to you electronically by posting the information at our web site, www.myquikloan.com, or by sending it to you by e-mail. * We will not be obligated to provide any Communication to you in paper form unless you specifically request us to do so. * You may obtain a copy of any Communication by contacting us at 6518 Salish Drive, Vancouver, B.C. V6N 2C7 (Canada), or by calling us at (800) 474-5586. You also can withdraw your consent to ongoing electronic communications in the same manner, and ask that they be sent to you in paper or non-electronic form. If you choose to receive Communications in paper or

non-electronic form, we may elect to terminate this Loan Agreement and demand payment of the amount then due by the date of your withdrawal of consent; or by the expiration of any minimum term mandated by law, whichever is later. * You agree to provide us with your current e-mail address for notices at the address or phone number indicated above. If your e-mail address changes, you must send us a notice of the new address by writing to us or sending us an e-mail, using secure messaging, at least five (5) days before the change. * In order to receive electronic communications in connection with this transaction, you will need a working connection to the Internet. Your browser must support the Secure Sockets Layer (SSL) protocol. SSL provides a secure channel to send and receive data over the Internet through HS encryption capabilities. Netscape 4.7+ and above and Microsoft Internet Explorer 5.01+ and above support this feature. You will also need either a printer connected to your computer to print disclosures/notices or sufficient hard drive space available to save the information (e.g., 1 megabyte or more). To download transaction information into Quicken or Microsoft Money, you will need the equipment and software required by their respective operating instructions. We do not provide ISP services. You must have your own Internet service provider. * We may amend (add to, delete or change) these terms by providing you with advance notice. By electronically signing this Loan Agreement below, you are confirming that: (1) your system meets the requirements set forth above; (2) you agree to receive Communications electronically; and (3) you are able to access and print or store information presented at this website. GOVERNING LAW: This Loan Agreement is governed by the law of the Musqueam First Nation. This Loan Agreement is not consummated until your loan is funded by us from our tribal bank account in Canada, and your loan is repayable to that same account in Canada. We do not have a presence in the United States of America. None of this loan, the Loan Agreement, nor Lender, is subject to the laws of the United States or any state therein. TRUTH IN LENDING DISCLOSURES: The disclosures below are provided to you so that you may compare the cost of this loan to other loan products you might obtain in the United States. Provision of these disclosures is not a consent to application of US law to us, to the loan, or to the Loan Agreement. FEDERAL TRUTH-IN-LENDING DISCLOSURES ANNUAL PERCENTAGE RATE FINANCE CHARGE Amount Financed Total of Payments The cost of your credit as a yearly rate. The dollar amount the credit will cost you. The amount of credit provided to you or on your behalf. The amount you will have paid after you have made all payments as scheduled. 730.00% $120.00 $400.00 $520.00 Your Payment Schedule will be: One Payment in the Amount of $520.00 is due 2/15/2008 Late or NSF Charge: If your payment is late by more than two (2) days, or if your payment is

returned by your depository institution due to insufficient funds, closed account, stopped payment or for any other reason, you will be charged a fee of $30.00. Security: You are giving a security interest in the ACH/EFT Authorization. Demand Feature: This obligation is payable on demand if you withdraw your consent to electronic communications. Prepayment: If you pay off early, you will not be entitled to a refund of the finance charge. However, you may rescind this Loan Agreement by 5 p.m. Eastern Time on the next business day following the date your loan is funded at no charge, provided the Amount Financed is repaid in full. See the terms of this Loan Agreement for any additional information about nonpayment, default and lack of prepayment penalties. Itemization of Amount Financed: Amount given to you directly: 400.00. Amount paid on Deferred Deposit Transaction No. with us: $0.00. ACH/EFT AUTHORIZATION: You hereby voluntarily authorize us, and our successors, agents and assigns, to initiate an automatic credit and debit entry to Your Bank Account: Name of bank and state: Bank of America, ; Account type: Checking; Bank routing and transit number: 111000025; and Account Number: 517021345. You agree that we will initiate an ACH/EFT debit entry to Your Bank Account for the Total of Payments on 2/15/2008 (the Payment Date), and re-initiate a debit entry for the same amount if the ACH/EFT is dishonored. You voluntarily agree to the electronic re-presentation by us and our successors, agents, or assigns (including attorneys and collections agencies) of any funds owed and that are returned to us for any reason. Such electronic re-presentation may be for less than the original amount owed us or in any increments totaling the amount due, including the maximum permissible nonsufficient funds fee charged by us. You agree to pay all fees related to the collection of your account. This includes, without limitation, all attorneys' fees, collection fees, and other costs incurred during the collection process. You authorize us to verify all of the information that you have provided, including past and/or current information. You agree that the debit entry authorized herein is for repayment of a single payment installment loan and shall not recur at substantially regular intervals. If there is any missing or erroneous information in or with your loan application regarding your bank, bank routing and transit number, or account number, then you authorize us to verify and correct such information. You agree that this ACH/EFT Authorization is subject to our approving the Loan Agreement. The ACH/EFT Authorizations set forth in this Loan Agreement are to remain in full force and effect for this transaction until your indebtedness to us for the Total of Payments, plus any Late or NSF fee incurred, is fully satisfied. You may only revoke the above authorizations by contacting us directly, and only after you have satisfied your indebtedness to us. If you revoke the authorization to effect an ACH/EFT debit entry before the loan is paid in full, you authorize us to prepare and submit one or more checks drawn on your Account or any account in your name on or after the due date of your loan. Such checks may or may not have an electronic image of your signature. This authorization to prepare and submit a check on your behalf may not be revoked by you until such time as the loan is paid in full. In addition, you understand and acknowledge that in the event you terminate ACH/EFT debit authorization, any loans made by us to you may, at our sole and absolute discretion, become immediately due and

payable. INSUFFICIENT FUNDS: If there are insufficient funds on deposit in Your Account to effect an ACH/EFT debit entry on the Payment Date, you agree to pay us a $30.00 NSF fee, which we may collect via ACH/EFT debit entry to Your Bank Account. You voluntarily authorize us, and our successors and assigns, to initiate a debit entry to Your Bank Account for payment of this fee. If your payment is returned to us by your financial institution due to insufficient funds or a closed account, you agree that we may recover court costs and reasonable attorney's fees incurred by us. LATE CHARGE: If you fail to make all or any part of a scheduled payment more than two (2) days after its due date, you will be charged a late charge of $30.00, which we may collect via ACH/EFT debit entry to Your Bank Account. DEFAULT AND REFINANCING: You will be in default under this Loan Agreement if any of the following occurs: You fail to pay any amount owed to Us when due; You fail to comply with or to perform any other term, obligation, covenant or condition contained in this Loan Agreement or in any of the related documents; any warranty, representation or statement made or furnished to Us by You under this Loan Agreement or any related documents is false or misleading in any respect, either now or at the time made or furnished. ASSIGNMENT: We may assign or transfer this Loan Agreement or any of our rights hereunder. CREDIT BUREAUS: You agree to allow a search of the databases maintained by certain credit bureaus and consumer information reporting agencies. These databases are national databases of consumers and contain information about transactions with lending institutions. TERMS AND CONDITIONS: You agree to the additional terms and conditions which are made a part of this Loan Agreement. WAIVER OF JURY TRIAL AND ARBITRATION PROVISION. Arbitration is a process in which persons with a dispute: (a) waive their rights to file a lawsuit and proceed in court and to have a jury trial to resolve their disputes; and (b) agree, instead, to submit their disputes to a neutral third person (an "arbitrator" ) for a decision. Each party to the dispute has an opportunity to present some evidence to the arbitrator. Pre-arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a final and binding decision resolving the dispute, which may be enforced as a court judgment. A court rarely overturns an arbitrator's decision. THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS: 1. For purposes of this Waiver of Jury Trial and Arbitration Provision (hereinafter the "Arbitration Provision"), the words "dispute" and "disputes" are given the broadest possible meaning and include, without limitation (a) all claims, disputes, or controversies arising from or relating directly or indirectly to the signing of this Arbitration Provision, the validity and scope of this Arbitration Provision and any claim or attempt to set aside this Arbitration Provision; (b) all federal or state law claims, disputes or controversies, arising from or relating directly or indirectly to this Loan Agreement (including the Arbitration Provision), the information you gave us before entering into this Loan Agreement, including the Application and Customer Information Sheet, and/or any past agreement or agreements between you and us; (c) all counterclaims, cross-claims and third-party claims; (d) all common law claims, based upon contract, tort, fraud, or other intentional torts; (e) all claims based upon a violation of any state or federal constitution, statute or regulation; (f) all claims asserted by us against you, including claims for money damages to collect any sum we claim you owe us; (g) all claims asserted by

you individually against us and/or any of our employees, agents, directors, officers, shareholders, governors, managers, members, parent company or affiliated entities (hereinafter collectively referred to as "related third parties"), including claims for money damages and/or equitable or injunctive relief; (h) all claims asserted on your behalf by another person; (i) all claims asserted by you as a private attorney general, as a representative and member of a class of persons, or in any other representative capacity, against us and/or related third parties (hereinafter referred to as "Representative Claims"); and/or (j) all claims arising from or relating directly or indirectly to the disclosure by us or related third parties of any non-public personal information about you. 2. You acknowledge and agree that by entering into this Arbitration Provision: (a) YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; (b) YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; and (c) YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR RELATED THIRD PARTIES. 3. Except as provided in Paragraph 6 below, you agree that all disputes including any Representative Claims against us and/or related third parties shall be resolved by binding arbitration only on an individual basis with you. THEREFORE, THE ARBITRATOR SHALL NOT CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION. 4. Any party to a dispute, including related third parties, may send the other party written notice by certified mail return receipt requested at the address appearing at the top of this Loan Agreement of their intent to arbitrate and setting forth the subject of the dispute along with the relief requested, even if a lawsuit has been filed. Arbitration shall be conducted in the Musqueam First Nation by an authorized representative in accordance with its consumer dispute rules and the terms of this Waiver of Jury Trial and Arbitration Provision. You may appear at arbitration via telephone or video conference, and you will not be required to travel to the Musqueam First Nation. The party receiving notice of arbitration will respond in writing by certified mail return receipt requested within twenty (20) days. If you demand arbitration, you must inform us in your demand of the arbitration organization you have selected or whether you desire to select a local arbitrator. If related third parties or we demand arbitration, you must notify us within twenty (20) days in writing by certified mail return receipt requested of your decision to select an arbitration organization or your desire to select a local arbitrator. If you fail to notify us, then we have the right to select an arbitration organization. The parties to such dispute will be governed by the rules and procedures of such arbitration organization applicable to consumer disputes, to the extent those rules and procedures do not contradict the express terms of this Loan Agreement or the Arbitration Provision, including the limitations on the arbitrator below. 5. Regardless of who demands arbitration, we will advance your portion of the expenses associated with the arbitration, including the filing, administrative, hearing and arbitrator's fees ("Arbitration Fees"). Throughout the arbitration, each party shall bear his or her own attorneys' fees and expenses, such as witness and expert witness fees. The arbitrator shall apply applicable substantive law consistent with the Musqueam First Nation, and applicable statutes of limitation,

and shall honor claims of privilege recognized at law. The arbitrator may decide, with or without a hearing, any motion that is substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In conducting the arbitration proceeding, the arbitrator shall not apply any federal or state rules of civil procedure or evidence. If allowed by statute or applicable law, the arbitrator may award statutory damages and/or reasonable attorneys' fees and expenses. If the arbitrator renders a decision or an award in your favor resolving the dispute, then you will not be responsible for reimbursing us for your portion of the Arbitration Fees, and we will reimburse you for any Arbitration Fees you have previously paid. If the arbitrator does not render a decision or an award in your favor resolving the dispute, then the arbitrator shall require you to reimburse us for the Arbitration Fees we have advanced, not to exceed the amount which would have been assessed as court costs if the dispute had been resolved by a state court with jurisdiction, less any Arbitration Fees you have previously paid. At the timely request of any party, the arbitrator shall provide a written explanation for the award. The arbitrator's award shall be final and binding on both parties and judgment upon such award may be filed with any court having jurisdiction. 6. This Arbitration Provision is made pursuant to a transaction involving international commerce, and shall be governed by the law of the Musqueam First Nation. 7. This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. The Arbitration Provision is binding upon and benefits us, our successors and assigns, and related third parties. The Arbitration Provision continues in full force and effect, even if your obligations have been paid or discharged through bankruptcy. The Arbitration Provision survives any termination, amendment, expiration or performance of any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. If any of this Arbitration Provision is held invalid, the remainder shall remain in effect. 8. NOTWITHSTANDING THE FOREGOING, THE LENDER RETAINS THE AUTHORITY TO INSTITUTE AN ACTION IN ANY COURT TO RECOVER SUMS DUE THE LENDER BY CUSTOMER HEREUNDER. In the event Lender, its successors and assignees, initiates collection activity on your account, you agree to be responsible for collection fees, court costs and fees and all reasonable attorney fees. If you feel there were any improprieties in the making of this loan or in our loan practices, you may refer them to the Musqueam First Nation, 6735 Salish Drive, Vancouver BC V6N 4C4. We utilize the services of consumer transaction databases that track individuals' use of deferred deposit, check cashing, and consumer finance company services. Information we receive from these databases may play a role in whether we extend credit to you. ELECTRONIC SIGNATURES AND CONSENTS By electronically signing below and providing any additional information as may be requested below, you understand and acknowledge that you are taking the following three (3) separate actions: 1. CONSENT TO ELECTRONIC COMMUNICATIONS: By electronically signing, you are confirming that: (1) your system meets the requirements set forth above in the Consent to Electronic Communications (the "Consent"); (2) you agree to receive all communications electronically and otherwise agree to the terms and conditions of the Consent; and (3) you are able to access and print or store information presented at this website. 2. ACH AUTHORIZATION: By electronically signing this Loan Agreement below, you certify that you have fully read and understood the ACH AUTHORIZATION provisions of this Loan Agreement, you agree to

comply with, and be bound by, their terms and you agree and understand that you are authorizing us to effect both debit and credit entries into your Bank Account to fulfill your obligations under this Loan Agreement. 3. AGREEMENT TO TERMS AND CONDITIONS OF LOAN AGREEMENT INCLUDING WAIVER OF JURY TRIAL AND ARBITRATION: By electronically signing this Loan Agreement by typing your name below, (a) you acknowledge that the Loan Agreement was filled in before you did so and that you have reviewed the entire Loan Agreement including the TRUTH-IN-LENDING DISCLOSURES, the WAIVER OF JURY TRIAL AND ARBITRATION PROVISION, our PRIVACY POLICY, and TERMS AND CONDITIONS (b) you acknowledge that your right to file suit against us for any claim or dispute regarding this Loan Agreement is limited by the WAIVER OF JURY TRIAL AND ARBITRATION provisions, (c) you represent that you are not a debtor under any proceeding in bankruptcy and have no intention to file a petition for bankruptcy, and (d) you acknowledge that you have read and understood all of the terms of this Loan Agreement including the provisions mentioned above and you agree to comply with, and be bound by, all of those terms. Lender: ALL AMERICA LENDING CO. Borrower's E-Signature: GeorgePalaganas Please type name as found on the application: George Palaganas Borrower:

First Name: George Last Name: Palaganas Customer #: 234-12-3123 Date: 1/30/2008 PLEASE NOTE YOU SHOULD PRINT AND RETAIN A COPY OF THIS LOAN AGREEMENT FOR YOUR RECORDS. Any comments or questions may be directed to MyQuikLoan Customer Comment Line at the following toll-free number: (800) 474-5586 or via e-mail to [email protected] Never miss a thing. Make Yahoo your homepage. Looking for last minute shopping deals? Find them fast with Yahoo! [email protected] Looking for last minute shopping deals? Find them fast with Yahoo! Search. -------------------------------------------------------------------------------You rock. That's why Blockbuster's offering you one month of Blockbuster Total Access, No Cost.