Executive Summary

Any information contained in this material is not and should not be construed as an offer, or a solicitation of an offer to sell any securities or other financial instruments. The information is provided for discussion purposes only. Descriptions of eTranzUSA, Inc or the markets or developments mentioned herein are not intended to be complete. All information and opinions contained in this material are subject to change without notice, and eTranzUSA, Inc. is under no obligation to update or keep current the information contained in this material.

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