Contents:
Introduction
Register an Account
Make a Deposit
Receive and Change Information about Your Account
Write a Cheque
Take Advantage of Partial Payments

INTRODUCTION
Before proceeding any further it is important to note that E-C-Q and its shareholders do not and
cannot support the use of pornographic sites on the internet. The use of these sites is a personal
matter that E-C-Q will not facilitate. Accounts found to be paying for these types of services will be closed and remaining money refunded to the customer.

As an E-C-Q customer you will be able to:

• Register an account
• Make deposits
• Receive and change information about your accounts
• Write cheques to merchants who accept E-C-Q payments as well as merchants who have not signed up to take E-C-Q payments
• Take advantage of E-C-Q 's unique Partial Payment option when issuing a cheque

The following describes in detail what you will be able to do and the cost of each transaction (if applicable).

REGISTER AN ACCOUNT
This is the first step in establishing your E-C-Q account.
After you have registered your account E-C-Q will verify your Email address*.
Once your address is confirmed E-C-Q will send you your account number.

*NOTE: E-C-Q considers your Email address as the most important thing we know about you. Because of the global nature of the Internet and our privacy policy, all that E-C-Q needs to know about its customers is how to communicate with them.
It is the customer's responsibility to keep E-C-Q informed of their current Email address.

Once you have your account number you can open your E-C-Q account.

Fees for Registering an Account
E-C-Q does not charge a fee to register an account.

MAKE A DEPOSIT
To open your E-C-Q account, you must make a deposit. Access to deposit forms is through the Registered Customer tab found on the home page. Once your first deposit is verified you will then
have complete access to the Registered Customer area in E-C-Q.

Please be advised that for security reasons, no one except E-C-Q personnel, has direct
access to your E-C-Q account. Deposits are always made through an E-C-Q Customer
Service Clerk.

A deposit slip must always be completed and forwarded via Email to E-C-Q for processing.
E-C-Q will process these deposits according to the following conditions:

Source"1"
Mail-in Deposits.
Deposits can be mailed to E-C-Q.
This is the most economical way to deposit funds into your E-C-Q account.
Cheques or money orders can be mailed to E-C-Q for deposit.
E-C-Q will hold funds on your account for a period of time until the funds have been cleared by the financial institution.

We recommend sending a money or postal order.
Sending a money/postal order will reduce the time E-C-Q must hold funds.
This will speed up the availability to use your E-C-Q account.

Funds sent by cheque will be held longer than funds received by money or postal orders.
Once a customer has established their account, holds will no longer be necessary.

We recommend using the E-C-Q deposit form before mailing your deposit. This will alert us to
expect your deposit within a certain amount of time. If E-C-Q does not receive the deposit by mail in the alloted time we will notify you;

• On expected day.
• After another 7 days.
• After 14 days.
• After 30 days.

Once your deposit has been received at E-C-Q, we will confirm receipt of your deposit by Email.

Fees for Mail in Deposits
Deposit fees are 0.5% of the deposit in the currency of the deposit.
There is a minimum fee of  $0.75 CAD (Canadian dollar equivalent) and a maximum fee of $5.00 CAD (Canadian dollar equivalent) for each deposit.

We do not recommend sending cash in the mail.

Source"2"
Credit Card Deposits.
Customers with credit cards will be able to deposit funds with E-C-Q using their credit cards.

For audit reasons, E-C-Q has an obligation to retain your deposit information. This has E-C-Q concerned and recent break-ins at other sites confirms that no matter how sophisticated a
company's security is, someone will attempt to steal the information a company has on line.
For this reason, E-C-Q has decided to take credit card information over the telephone only.
We believe, at this time, better control over your credit card information can be managed in a
manual environment. The Internet does not yet provide foolproof protection from skilled hackers.

To deposit funds using your credit card via telephone you must call the following numbers:

From Canada and the USA phone 1-250-749-4008
Outside North America (*Canada country code) + 250-749-4008
*Note: Most countries use 001 for Canada's country code but check with your local operator for
dialing information.

Fees for Credit Card Deposits
A fee of 4.0% will be applied.
This fee includes all charges being levied against E-C-Q by the credit card company.

NOTE: E-C-Q must hold funds.
Credit Card Companies cannot guarantee confirmed transactions to E-C-Q. Because of this concern by Credit Card Companies regarding fraudulent card use worldwide, E-C-Q will require a hold of funds for a minimum period of 5 days on deposit transactions. This hold period may be reduced on subsequent deposits if a degree of certainty is established with
you as a customer.

E-C-Q reserves the right to extend this hold period to satisfy the credit card issuers concerns and delays in validating a credit card transaction.

Source "3"
Wire and Direct Deposit to E-C-Q.
Deposits can be made directly to E-C-Q's deposit account. These deposits are done through your
local bank. Deposits are made to E-C-Q according to the instructions on the Wire/Direct deposit slip. Always submit Wire and Direct deposit slips to E-C-Q, that way E-C-Q will be able to follow up
on any wire transfer not received.

Fees for Wire and Direct Deposits
Wire and Direct Deposits can be accepted by E-C-Q.
Deposits less than $100.00 CAD a flat fee of $0.75 will apply.
Deposits greater than $100.00 CAD a flat fee of $11.00 will apply.
Deposits to E-C-Q will be subject to local fees applied by your local financial institution.

RECEIVE AND CHANGE INFORMATION ABOUT YOUR ACCOUNT
When you are an E-C-Q customer you will be able to access information about your E-C-Q account.
These features will include:

1. Ability to change certain information about your account.
You will be able to change certain fields of information about your account. Fields that you cannot change are secure fields that help us identify you as our customer.

2. Request interim statements.
You will be able to request interim statements whenever you want to know the transactions that have been processed through your account.

E-C-Q WILL ADVISE YOU AS TO THE BALANCE OF YOUR ACCOUNT EACH TIME YOU DO A TRANSACTION WITH YOUR ACCOUNT.

3. Monthly Statements.
On your monthly anniversary day, that is, the day you opened your account, for example, the 15th, you will be sent an Email containing your monthly statement.

The Email address you supply on your account will always be the address used for your monthly statement.

Fee for monthly statements
There is no fee for monthly statements.

WRITE A CHEQUE
You will be able to issue E-C-Q cheques to merchants from whom you want to purchase goods or services.

Whether merchants indicate they accept E-C-Q cheques or not, you will be able to issue an E-C-Q cheque drawn on your account.

If a merchant does not show an E-C-Q payment indicator, you can issue the cheque regardless.
E-C-Q will make arrangements directly with the merchant, on your behalf, to pay for and ship the product as you specify.

Merchants who already accept E-C-Q payments will automatically know that the funds are secured
and will ship your purchase immediately to you as you have specified. These merchants will also
supply you with mediation insurance*, in case there is a problem with the product when you receive it.
* See Partial Payments below

As a double record of the shipping advice, we will ask you to fill in a shipping notice on your E-C-Q cheque.

Cheque fees do apply
The fee for writing an E-C-Q cheque will be 0.5% of the amount of the cheque.
The Minimum fee is $0.75 CAD equivalent in the currency of the cheque up to a
maximum of $5.00 CAD equivalent in the currency of the cheque.

TAKE ADVANTAGE OF PARTIAL PAYMENTS
E-C-Q offers a unique feature - the ability to split your payment into two parts.
This includes an initial payment towards your purchase with a hold back of the balance that will be released after a specific amount of time unless you tell E-C-Q that it is not OK to release the funds.

If you advise E-C-Q not to release the funds as there is a problem with the product, we will
automatically invoke the Mediation Insurance policy you purchased, or the merchant paid
for, at the time of sale.

The Mediation Insurance Policy will provide you with an agent who will investigate the
problem and negotiate a suitable solution to resolve the problem.

We are excited about this feature, Partial Payments, and the Mediation Insurance Policy.
We know this will help build a degree of trust between merchants and customers before the purchase
is complete, as both parties have committed to meet their obligations.

How does Partial Payment work?
When the Partial Payment option is taken, E-C-Q deducts the whole amount of the purchase from the customers account and holds the specified portion of those funds until the specified time period has passed. E-C-Q then releases the balance of funds to the merchant.

• This feature guarantees that the merchant will be paid when the customer is satisfied.
• This feature guarantees that the customer has a negotiation position if they are not satisfied
  when the product arrives.
• This feature establishes a trust situation for both parties at the beginning of the sale.
  Merchants who are not confident about their products will not participate in this type of sale. Customers at the time of sale have committed the full amount of the sale to the merchant.

If the conflict cannot be resolved quickly and easily between the merchant and the customer, E-C-Q
will intervene and attempt to work out a solution. If that is not successful, E-C-Q has contracted with professional mediators who will work to resolve this between the merchant and the customer. Please
go to www.onlineresolution.com to find out about what services you will be able to use to resolve your differences.

Fees for the Partial Payment Service:
(includes Mediation Insurance)

The Mediation Insurance service is billed on an hourly basis and E-C-Q will cover up to 4 hours with professional mediators. These services will be supplied by the Internet mediation company
www.onlineresolution.com

Within those 4 hours, the parties involved will be expected to select a final resolution method, discuss
the issues relative to the outstanding payment and agree to abide by the outcome of the mediation service. If the parties involved cannot resolve their differences within the 4 hours available through mediation, the parties at that point will have the option of continuing the process at their own expense. E-C-Q will then transfer the balance of the Partial Payment amount, which has been reserved for future release, and place these funds on deposit with a trustee. Upon instruction from the mediator as to how the conflict has been resolved, the trustee will administer the final payment.

Conclusion
We are excited about E-C-Q and the future. We are dedicated to providing our customers with an excellent shopping service and look forward to serving you as our customer.

On behalf of the staff at E-C-Q, I welcome you as a customer.

Patrick Sullivan.
CEO/ Project Manager.