SAYVES LLC Working with those who developed the Magnetic Stripe Cards, Discover Card, and Multi-application Platform that became the military and bank platforms used today; enabled the founder of SAYVES to see the pros and cons long before the rest of the market. The pros were increased security. The cons were added time to process and cost of cards and equipment. The cons led to the requests to develop a more secure technology that would save time and eliminate the cost of cards and need for payment acceptance devices. SAYVES met these requests by replacing the account data with one time, one use micro-bursts of data we call Session and Transaction ID's. These ID's are sent by multiple devices over multiple connections to increase security. The result was an application so simple that you can combine gift, payment, and loyalty into one seamless transaction. The simplicity enables interfacing to smart phones, wearables, and merchant bar code scanners, saving the need to spend billions annually on cards, NFC devices, and payment acceptance devices. Utilizing existing infrastructure that eliminates the barriers to entry for capturing the global market. TOGETHER CONSUMERS and BUSINESSES GET MORE with SAYVES! SAYVES with InCash . . . • saves merchants 50% of the processing fees they currently pay for credit cards • saves $3 billion per year in payment hardware • it protects people from Identity Theft resulting in losses of $12 billion per year • it saves consumers time during check out • combining loyalty-gift card-and payment into one seamless transaction • it provides real time access and control of your money • has the ability to transfer money as quickly and easily as sending a text • provides an international currency governed by the free market THE ULTIMATE VALUE IS IN UNITING CONSUMERS and BUSINESSES TOGETHER THROUGH TECHNOLOGY TO MAKE THIS WORLD A BETTER PLACE IN WHICH TO LIVE!