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Forbes Magazine calls it... "THE $15 Trillion Gold Rush!"

For the first time ever, you can now buy products online without having to give your credit card information to anyone—thanks to IFAN Financial Inc's (IFAN) brand-new, patented online payment technology.

This just-launched tech company could be the new gatekeeper between 2.6 billion online consumers and millions of web merchants... and make early bird investors rich.

The problem: An epidemic of credit card fraud online is threatening e-Commerce and scaring away customers.

The solution: A brand-new technology that lets customers use debit cards online without giving their credit card info... and saves online merchants a fortune in fees!

Dear Opportunity-Seeking Investor,

The way we pay for goods and services is about to change... big time. The world will soon use cash and credit cards less and less. In their place will be apps run on our smart phones.

Reason: Credit card fraud costs BILLIONS... and mobile payment systems are safer, more secure and easier to use.

A recent cover story in Forbes Magazine calls it, "The $15 Trillion Gold Rush."

"Money is going mobile, and the race is on to control the flow of bits and cash across a billion smartphones and at millions of online and physical locations," Forbes said. "Research firm Gartner estimates that mobile payments will top $720 billion a year by 2017, up from $235 billion last year. The upside remains enormous: Humans made $15 trillion worth of retail transactions in 2013." " $10,000 Invested at Around 50 Cents Could Potentially Explode to $200,000 If an Apple, Amazon or Google Buyout Pushes the Stock to $10 per Share! "

And take a look at what's happening with mobile payment stocks...

NXP Semiconductors (NXPI).... up 445%! Heartland Payment Systems (HPY) ... up 891%. Mitek Systems (MITK)...up 5,283%. Fiserv (FISV)... up 6,990%!.

Ironically enough, this trillion-dollar revolution is leaving the old credit card companies in the dust.

On my proprietary McShane Opportunity Investment Index, this company rates a STRONG BUY. With a Risk rating of only 71%, a Profit Rating of 92% and an Urgency Rating of 96%, this is one of the best opportunities I've seen in quite a while.

A slew of small tech companies you've probably never heard of before are grabbing up all the low-hanging fruit, companies such as Square, Level Up, Braintree, Venmo, Single Point, Clinkle and Kopo Kopo. Mobile payment pioneer Square launched in 2009 and is now valued at $5 billion— with annual payments processed through its system of $30 billion.

Low hanging fruit are nice... but the company I tell you about in this special investment bulletin, IFAN, is going after the entire tree!

My name is Don McShane. I'm an investment analyst and stock picker who specializes in undiscovered tech stocks.

Since I launched The McShane Letter in 1970— more than 700 issues ago—my featured "front page" stock recommendations have a perfect record of 48 winners and zero losers.

Of those stock recommendations, 47 have more than doubled in value (over 100% gains), and many by more than 10 times (1,000%). Only one failed to appreciate 100% when it rose "only" 35%.

Now I've discovered another potential 10-bagger: IFAN.

Reason: The company has developed a brand-new, patented technology that is going to revolutionize the entire mobile and online payment universe. While past performance is no guarantee of future results and you should never speculate with money you can't afford to lose, I believe this could be my biggest winner yet.

If I'm right and the mobile payment industry adopts online bank debit cards in a big way, this undiscovered tech company could go berserk— the way Paypal did when it grew from 12,000 accounts to 9 million in just 18 months.

That's why I'm telling anyone who will listen that they should consider IFAN right away.

I’m providing this pick for you so that you will see the type of unique opportunities I uncover at The McShane Letter. I hope you will see the logic as countless others have the subscribe to receive more from me.

It's not very often that I get to say this... but the company I tell you about in this special investment bulletin is truly a game-changer for the economy. It's pioneering an entirely new way of paying for products online...

And it's not anything esoteric like Bitcoin or e-gold.

Instead, it is using a very old technology... the bank debit card... and simply making it work online. No more credit card numbers, expiration dates and CVV numbers. That's all GONE.

The name of the company is IFAN Financial Inc (IFAN).

What IFAN does is allow your smartphone or PC to pay for things with the equivalent of cash.

IFAN eliminates entirely the need for using credit card numbers... making it impossible for thieves and fraudsters to steal your information.

I can't remember the last time I encountered an investment opportunity with so much upside potential and such limited down side risk.

IFAN could single-handedly save the $1.2 trillion e-Commerce industry... and make early investors a fortune virtually overnight.

It has the potential for becoming the next Paypal. And just as Paypal was bought within months of its IPO, I believe this company could very well be bought out as well.

In The Blink of An Eye... The Problem of Online Credit Card Fraud is Now Eliminated!

Why is IFAN so revolutionary?

Well, up until now the only practical way to buy something online is with a credit card.

Sure, there are a few alternatives available — e-checks, pre-paid credit cards, Western Union and so on—but for most people, most of the time, credit cards are the only practical option.

But credit cards have a huge, indeed fatal drawback.

When buying anything online, you have no choice but to give all your credit Safest Payment System Ever card info to someone— the credit card numbers, expiration date and CVV Destined to Dominate the Market code. Technology protects consumers and The problem is, that "someone" is vulnerable. Despite the $5.6 billion that merchants merchants spend annually on various security methods, credit card Fraud and identity thief becomes virtually information can often be accessed by identity thieves and hackers. impossible! And because credit card info is so insecure, and so often stolen, the use of Merchants make more money using IFAN as credit cards online is very, very expensive. the system saves them more than 2% per consumer transaction Credit card companies like Visa, MasterCard and American Express charge e- commerce businesses loan-shark-like rates to process their online transactions Merchants using IFAN pay no chargebacks —as much as 5%, 8%, even 10% of every transaction.

Travel industry businesses often have to pay as much as 8% to 10% in credit card fees.

The Birth of Mobile and Online Debit Payments "It is just the start of a revolution that over the next few years will see millions of us ditch But debit cards are another thing entirely—and that's why IFAN conventional debit cards, credit cards, loyalty potentially could be a once-in-alifetime investment opportunity for cards... in favor of using our mobile phones for investors who act quickly. almost every aspect of our finances." You see, with a bank debit card and your secret PIN number, you —The Guardian, April 25, 2014 don't actually provide ANY credit card information. None. Zero. theguardian Banks consider the combination of a physical debit card and a PIN CODE to be the equivalent of... CASH.

They even have a special name for it: a "card present transaction."

When you swipe your debit card at a grocery store, and key in your secret PIN number, it's a "card present transaction"...

Accepted Everywhere Just Like Cash What to do next for: IFAN The store accepts debit cards just like it does cash... and none of your private information, such as the numbers on the debit card, Ticker Symbol...... IFAN are recorded by the merchant. Current Price ...... $.50 5 Month Target...... $4.50 Instead, the encrypted information stored on the debit card's Long Term Target...... $19.00 Action to Take...... Buy Immediately magnetic strip or digital chip is transmitted directly to the bank.

Recommendation: When combined with the PIN number, it allows the bank to release the funds directly to the merchant... but the merchant never even sees, much less stores, your credit card information. STRONG BUY!

"Mobile will redefine how commerce Credit Cards STOLEN! is done. Steve Jobs redefined the retail experience. I think commerce and mobile will do an even more transformational job in an exponential way. The opportunity for startups to redefine the power of mobile is incredible... power of mobile is incredible... Outside of credit cards and charge cards, there's $25 trillion out there. That's a tremendous opportunity."

—American Express CEO Ken Chenault, CNN Money, May 21, 2014

It's super-secure—far more secure than credit card information. 40 Million Customers Well, IFAN has figured out a way to use this same system... only online Credit Cards STOLEN! and with smartphones.

It has an exclusive, patented technology that allows customers and vendors to use bank debit cards online and with their smartphones—and WITHOUT having to disclose the numbers on the cards.

What that means is: For the first time ever, it's now possible to buy something over the Internet... and not have to give anyone your credit card information... not even a third party like Paypal.

A Lock on Patented Technology That Could Make You Rich

And IFAN has the patented encryption technology and infrastructure that makes it all possible— just as Paypal had the technology that made it possible to send money to an email address with online auctions. This is simply HUGE. E-commerce is a multi-trillion industry... and that industry is now being threatened.

You see, credit card fraud and identity theft are reaching epidemic proportions right now... and the e-commerce industry is in a panic.

For the first time in many years, people are actually afraid to buy products online.

They worry that, despite all the safeguards that online businesses have put into place, credit cards used online are simply insecure.

And they’re right: Experts say that credit-card data theft is exploding, increasing 50% from 2005 to 2010, according to the latest figures from the U.S. Department of Justice.

Fully 64.1% of consumers have reported misuse of existing credit card information with total losses worldwide amounting to $11.27 billion in 2012.

At Last! A Practical Solution to Identity Theft and Credit Card Fraud

If you’ve ever been a victim of identity theft, you know it’s a nightmare. Largest Credit Card Data Thefts

Thieves can rack up tens of thousands of dollars Company Year Number of Accounts Affected on your credit cards—and it can take weeks, even months, to clear up the whole mess. In the TJX Companies, Inc. 2006 94 million meantime, your life is put on hold... your Bank of New York Mellon 2008 12.5 million accounts frozen... bills left unpaid. Target Corporation 2013 40 million What’s more, the number of online computer programs designed to steal your credit card information has skyrocketed from 1 million in 2007 to 130 million today, according to the cybersecurity firm McAfee.

These malware “bots” are like the Terminator: they work 24 hours a day, 7 days a week, relentlessly scanning the Internet for "If the mobile payments revolution succeeds, one vulnerabilities to exploit so they can steal credit card information. day your mobile phone could replace your cash and debit cards altogether." For example, in December 2013 the Target Corporation publicly admitted that one of these automated programs gained access to —American Express, information about 40 million of its customers’ credit cards. May 7, 2014 The hackers behind the theft installed a sophisticated malware program in Target’s security and payments system designed to steal every credit card used throughout the entire company—including the card numbers, expiration dates and CVV codes.

How IFAN Could Change the Entire E-Commerce Universe

And that’s why IFAN is a game-changer— and a strong candidate for a buyout from a giant corporation.

The problem it’s solving: Using credit cards online is very dangerous... and e-Commerce businesses are suffering because of credit card fraud.

Its solution: An inexpensive device you attach to your smartphone that lets you pay for anything online with a debit card, just like you do at a grocery store.

You swipe your debit card, enter your PIN, and WHOOSH! the transaction goes through without a hitch. The funds are instantly deposited into a merchant’s account.

Even a skinny slice of this $15 trillion pie is enough to turn IFAN investors into fat cats 7 More Reasons IFAN Belongs In Your Portfolio Right Now…

1 UNSTOPPABLE TECHNOLOGY: Mobile debit payments is an inevitable, UNSTOPPABLE technology that can singlehandedly save the $1.2 trillion e-Commerce industry. The general public is growing increasingly leery of giving out credit card information online... and IFAN offers the perfect solution. It allows customers to use debit cards online and without giving out any secret information, like credit card numbers. Plus, web merchants could save BILLIONS because of IFAN’s substantially lower processing fees. IFAN’s unique, patented technology is the future of mobile payments.

2 THE ULTIMATE MOBILE PAYMENTS PLAY: At the end of 2014, an estimated $15 billion will be lost to identity theft and credit card fraud worldwide, with an estimated 16.6 million Americans falling victim each and every year. American consumers who know that it takes an estimated 600 hours to recover from this type of crime will embrace IFAN’s “privacy friendly” mobile payment solution. This will give IFAN an advantage over virtually every other mobile payment company in the world today. That’s why I believe IFAN is the ultimate mobile payments play!

3 PRIME TARGETS: IFAN has already made initial inroads with some of America’s largest companies. Large web retailers, pay- TV providers, cell phone companies, and a number of casinos, airlines and Internet/auction companies are all interested in exploring IFAN’s unique mobile payments technology and its implications to the profitability of their business.

4 ENORMOUS POTENTIAL: IFAN’s market potential is simply ENORMOUS. It includes government agencies, the military, credit card companies, satellite and cable companies, home security and detention operations, Internet-based retailers, warehouse club stores, even cell phone and computer manufacturers. The amount of revenue this small company could generate in just the first few years is staggering. With just a tiny market penetration, IFAN could see sales of $36 million by the end of its second year. It currently estimates that 25% of the e-commerce market, or 500 million Internet users, will elect to use “card present” IFAN technology to avoid having to share their credit card data over the Internet. Based on my research, that represents potential revenues eventually approaching $1 billion— with net profits of over $400 million ! Even if it only managed one tenth of that, it would still earn $40 million—enough to make IFAN’s shareholders potentially very rich indeed!

5 PROVEN MANAGEMENT: IFAN’s management team has substantial experience in managing emerging technology companies. The company’s president and CEO, J. Christopher Mizer, has more than 30 years’ experience in tech company development and finance. IFAN’s vice president, Steven Scholl, built a national sales force and operational processes for entitlement and construction strategies for municipal, military and private-sector clients.

6 UNDISCOVERED WINDFALL: Right now, IFAN is like a stealth bomber flying below Wall Street’s radar screen, ready to cause an explosion in the stock market. But all that could change overnight. Once Wall Street gets wind of possible future IFAN deals with major e-commerce companies in half a dozen industries, the stock is going to go berserk. That is why the time to buy IFAN is NOW, before Wall Street finds out about it.

7 POSSIBLY THE BARGAIN OF THE CENTURY: IFAN is currently trading at way below we feel is its fair value. If our conclusions are anywhere near accurate, IFAN’s stock could skyrocket! What happens if IFAN’s unique online debit card technology is adopted by a major e-commerce company, a cable TV company... perhaps even an Internet ticket retailer... then all bets are off! IFAN could have more upside potential than any stock that I’ve seen, bar none. It could be my biggest pick of 2014!

It’s as good as cash. Forbes Magazine: In the Target case, one little-known fact is that the one piece of information the online hackers were not able to “Research firm Gartner estimates that mobile payments will access or steal was... the PIN numbers used on debit top $720 billion a year by 2017, up from $235 billion last year. cards! The upside remains enormous: Humans made $15 trillion worth of retail transactions in 2013.” Customers will flock to IFAN’s mobile payment system so they can purchase items online without worrying about identity theft. Web merchants will promote IFAN because it will save them millions, even billions of dollars in sky- high credit card processing fees—savings they will pass along to customers.

Why IFAN is a Strong Potential Buyout Candidate!

And think about what this means in terms of buyout potential: Some of the biggest companies on the planet may soon What to do next for: be clamoring to buy up IFAN.

All a company like SnapChat does is let teenagers send “self- IFAN destructing” photos of themselves over the Internet... and yet Facebook offered to buy the company for $3 billion. Ticker Symbol...... IFAN Current Price ...... $.50 IFAN could single-handedly SAVE the entire trillion-dollar e- 5 Month Target...... $4.50 commerce industry reeling from thefts such as Target’s. How likely Long Term Target...... $19.00 is it that some giant corporation will want to buy the company? Action to Take...... Buy Immediately I would say it’s very likely—and could potentially make early bird investors extremely wealthy if they get shares while they’re still Recommendation: available for less than $1.

To put it simply: IFAN’s technology means that consumers never STRONG BUY! again have to worry about identity theft... and online merchants will save literally BILLIONS of dollars in bank charges.

Why Merchants Will be Clamoring to join the IFAN Revolution: No More Outrageous Credit Card Fees!

And here’s another part of the story: IFAN’s simple, inexpensive system is going to save businesses literally billions of dollars in fees! That’s no exaggeration.

Instead of having to pay as much as 10% of an online purchase to credit card companies, e-Commerce businesses will generally pay only 2%. The cost per transaction goes from hundreds, even thousands of dollars... to mere pennies.

For example, let’s say you run a small hotel and an affluent couple stays with you 7 days at $250 a night. Because credit card companies charge travel businesses the highest possible rates, that $1,750 in gross revenues might cost you $87 to $175 in credit card fees.

Just by encouraging the use of IFAN instead of a credit card, you could potentially save up to $140 on that one transaction alone (2% or $35 with IFAN versus $175 with a credit card)! Multiply this example by hundreds, even thousands of transactions a year, and you can see that IFAN could put tens of thousands of extra dollars in small merchants’ accounts every year!

Helping to Create Thousands of New Mom & Pop Businesses Every Year!

Not only that, but IFAN also liberates small businesses from the tyranny of the credit card companies and their lock on merchant accounts.

It thus represents the same kind of entrepreneurial revolution that eBay and Paypal did a decade ago.

Now, anyone with a smartphone can set up shop on a street corner, begin selling products—and collect online payments through debit cards run through IFAN’s system.

No credit checks, no “store front” inspections, no waiting weeks for merchant account applications to be processed.

So How Does IFAN Actually Make Money?

Like Paypal a decade ago, IFAN will make money by promoting a brand-new and far more secure way to pay for products over the Internet.

The company will charge most web merchants a fee of just 2% of any transaction—an enormous savings from the 5%, 8%, even 10% charged by some credit card companies. The projected net revenue is $2 per transaction.

That may not sound like very much... until you realize that, in 2013, the estimated number of Internet transactions worldwide was... 333 billion!

The company expects that 100,000 units of its IFAN devices will be deployed by summer 2014... and that’s just the start.

It currently estimates that 25% of the e-commerce market, or 500 million Internet users, will elect to use “card present” IFAN technology to avoid having to share their credit card data over the Internet.

Based on my research, that represents potential revenues eventually approaching $1 billion—with net profits of over $400 million! And believe me, this is a very conservative projection.

Why You Could Potentially Retire on IFAN Stock...

But because IFAN is a relatively small, brandnew company, it won’t take much for the value of its stock to go simply berserk!

Right now, IFAN has approximately 79 million shares out- standing. With the value of its stock selling for less than $0.50 a share, that means IFAN's total market cap stands around 40 million.

If the value of its stock shot up to, say, $2.50 a share, that would still give IFAN a total market cap of only $200 million.

What would it take, in terms of annual sales, for IFAN to reach a market cap of $200 million? Well, tech companies usually have price to sales ratios around 20 (source: Yahoo Finance 5/2/14). That means that for IFAN stock to hit $2.50 a share, it would need to have annual sales of around $10 million.

Is that possible? It’s not only possible... I believe it’s virtually certain!

How Quickly Could IFAN Go from $0.50 to $2.50 Per Share?

To reach this number, all IFAN would have to do is to reach 4 million online transactions with an average net revenue of $2 per transaction.

Remember, IFAN’s new online debit card technology means will likely attract tens of thousands, then millions of web merchants who desperately want IFAN’s lower fees.

The company projects $9 million in sales in late 2014 alone... growing to $36 million in 2015. That means it's possible the stock could very well skyrocket to $2.50 a share in a matter of months.

Early investors can scoop up all the shares they want, as I write this, for under $0.50 a share. If the company manages to hit $36 million in sales in 2015, then all bets are off. At that rate, if the stock goes to $19 a share, every $10,000 invested could potentially grow into $380,000 or more. Do you see where I’m going here?

Based on these very conservative financial projections, IFAN won’t have to become another Paypal to make early investors a fortune—although I believe it will do just that.

It can offer its super-secure online and mobile payment technology to just a tiny fraction of the total market—and still make its shareholders a large pile of profits!

A New Way to Pay Online... with Every Bank and Web Merchant as a Partner

The company’s goal is to have an IFAN logo stand beside logos for Paypal and Visa/Mastercard on websites all over the world... as well as in storefront locations all across the planet.

The company is licensing its patented technology so it can create the new Internet Consumer Terminal (ICT) industry. Thanks to this technology, any bank issued debit AND credit card can be used with ICT devices—making even credit cards secure over the Internet!

That’s why IFAN doesn’t see Paypal, Western Union, Neteller and Google Checkout and other online payment companies as competitors but as partners.

Why IFAN is a Rare Opportunity for Regular Investors

I believe IFAN could easily become the next Paypal.

Paypal launched at the turn of the millennium. In just eight months, between January and August 2000, PayPal surged from 12,000 accounts to 2.7 million. By summer 2001, its customer accounts had swelled to over 9 million.

That gives you some idea of just how quickly IFAN could take off.

Why IFAN Management Team is Going to Hand Investors a Huge Winner….

J. Christopher Mizer, president and CEO, has more than 30 years’ experience in tech company development and finance. He is also the founder of Vivaris, Ltd. (formerly Lake Erie Capital) which invests in and acquires middle-market businesses in healthcare and life sciences that are leaders in their market niches.

Mr. Mizer serves as the chairman of each of the portfolio companies and guides key strategic decisions and their execution. He also serves as the operating president on an interim basis when companies are going through periods of ownership succession and new management team members are being assembled.

Mr. Mizer is a former Vice President and Officer of the investment banking division of Key Capital Markets, where he focused on merger, acquisition, and financing projects for Fortune 500 clients, private companies, and successful entrepreneurs.

Steven Scholl is Vice-President. Mr. Scholl was a Principal of National Schedule Masters, a software and consulting business focused on the land development and construction industries. He built a national sales force and operational processes for entitlement and construction strategies for municipal, military and private-sector clients. His extensive development and construction skills yielded hundreds of major clients including Cadillac Fairview, Daon, The Irvine Company, DR Horton, Tishman, Lennar, Pulte, Fluor, Kiewit, U.S. Olympic Committee, Magic Mountain, Disney, the U.S. Military as well as projects in 22 countries.

As President of mortgage and investment banker, National Bankers Acceptance Corporation, Mr. Scholl oversaw securing of construction loans for commercial, residential and land loan clients. He represented and approved loans for over 100 client banks and negotiated a financial joint-venture with Key Bank. Mr. Scholl was also successful in negotiating contracts with the FDIC that yielded transactions totaling over $10 billion including one transaction of $4.5 billion. And here’s something else: Paypal was offered as a publicly traded company in 2002—and then, just a few months later, was bought by eBay for $1.5 billion.

That’s right: I said billion!

Overnight, private equity and other big investors in Paypal became millionaires.

And now IFAN represents a chance for ordinary investors to do the same thing.

Here’s Another Way IFAN Could Fly From Less Than 50 Cents to More Than $10 Per Share

First, as a development tech company, it’s totally off Wall Street’s radar.

The company just launched... and that means you can pick up several thousand shares today for under 50 cents a share. although not for long, in my opinion.

This is like being an early private equity investor in Paypal and being able to buy 5,000... 10,000... even 50,000 shares What to do next for: before it went public and was sold to eBay. Make no mistake: This is not a typical penny stock play. IFAN This is the kind of stock that could set you up for life, the kind of stock, as Forrest Gump put it, where you “don't have to Ticker Symbol...... IFAN worry 'bout money no more.” Current Price ...... $.50 And now you’re face-to-face with a rare opportunity to ride the mobile payment boom for all it’s worth. 5 Month Target...... $4.50

The only immediate risk? Long Term Target...... $19.00

If you hesitate, you could miss the initial early surge that’s Action to Take...... Buy Immediately going to launch this below—$1 stock (OTC BB: IFAN) into an orbit that could carry it to $10 or higher in a matter of months. Recommendation: That’s at least a gain of 2,000% and could potentially turn $10,000 invested now—while you can still get IFAN for under STRONG BUY! $1 a share— into $200,000!

IFAN’s Revenues Could Skyrocket Like Paypal’s Did in the Early 2000s...

Financials 2014 2015 2016 2017 2018 Revenues 9M 36M 180M 360M 720M Expenditures 4M 14.4M 72M 144M 288M Net 5.0M 21.6M 108M 216M 432M

That’s Why I Recommend That You Consider Buying IFAN Today!

All that remains is for you to take action on what you’ve just learned. Don’t wait until the press is writing about my latest stock- picking success.

Do your due diligence and call your broker to discuss the size of the position you should take today in IFAN.

And one more thing: after you’ve done that, try a risk-free subscription to The McShane Letter. (You’ll find a subscription form on page 15.)

I’m confident that once you see the eye-popping profits that IFAN generates for your portfolio, you’ll want to see more of my top picks. Nothing captures people’s attention like helping them double, triple, even quadruple their money.

Plus, I offer a no-B.S. risk-free guarantee in advance: if you’re not delighted with the stock picks you find in The McShane Letter, you don’t have to pay me a penny. How’s that for a fair offer?

Sincerely yours, Don McShane Don McShane

P.S. I sent you this Special Report for free in hopes you’ll want to try a subscription to The McShane Letter. I hope I’m right… I hope you buy IFAN, make a load of money and want more…and pay me a modest amount for future stock recommendations and advice.

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