sample

Special
Investment
Bulletin
“Don McShane has been called ‘A Wall Street Legend’ for his stock picks”
The McShane Letter
Summer
2014
“The
Forbes Magazine calls it...
$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 iPIN DEBIT’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.
n Could this little-known
company become the next
Paypal? .............PAGE 6
n Why iPIN Debit’s (IFAN)’s
patented technology gives
it a jump-start on the
trillion-dollar mobile payment
industry .............Page 8
n How IFAN can save online
merchants a fortune in credit
card fees... and potentially
make early bird investors
10 to 20 times their investment..
...................Page 10
n The reason why IFAN could
be a strong candidate for a
buy-out ............ Page 10
n Could you potentially retire on
IFAN stock? .........Page 12

The McShane Letter
Dear Opportunity-Seeking Investor,
2
IFAN is Poised to Become a
Major Player in What Forbes Magazine calls...
The $15 Trillion Mobile
Payment Gold Rush!
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!
Don McShane
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
“
$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!
”
iPin Debit (OTCBB: IFAN)
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.”
And take a look at what’s happening with mobile
payment stocks...
n NXP Semiconductors (NXPI)....
up 445%!
n Heartland Payment Systems (HPY) ...
up 891%.
n Mitek Systems (MITK)...up 5,283%.
n Fiserv (FISV)... up 6,990%!.
Ironically enough, this trillion-dollar revolution
is leaving the old credit card companies in the dust.
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,
advertisement
McShane Investment
Opportunity Index TM
“Strong Buy for IFAN”
Potential Profits: 92%
Urgency: 96% Risk: 71%
Overall Rating: STRONG BUY!
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.
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.
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.
One more thing: I’d love for you to join us here
at The McShane Letter. The subscription
order form on page 15 guarantees you
can try my private service without an
ounce of risk.
Best wishes,
Don McShane
Don McShane
3

The McShane Letter
Dear Fellow Investor,
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...
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.
4
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 iPin Debit (IFAN).
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 card info to
someone— the credit card numbers, expiration
date and CVV code.
The problem is, that “someone” is vulnerable.
Despite the $5.6 billion that merchants spend
annually on various security methods, credit card
information can often be accessed by identity
thieves and hackers.
And because credit card info is so insecure, and
so often stolen, the use of credit cards online is
very, very expensive.
Safest Payment System Ever
Destined to Dominate the Market
4
Technology protects
consumers and merchants
4
Fraud and identity thief becomes
virtually impossible!
4
Merchants make more
money using IFAN as the
system saves them more
than 2% per consumer
transaction
4
Merchants using IFAN pay
no chargebacks
““It is just the start of
a revolution that over the
next few years will see
millions of us ditch
conventional debit cards,
credit cards, loyalty
cards... in favor of
using our mobile phones
for almost every aspect
of our finances.”
—The Guardian, April 25, 2014
businesses loan-shark-like rates to process their
online transactions—as much as 5%, 8%, even
10% of every transaction.
The Birth of Mobile and
Online Debit Payments
But debit cards are another thing entirely—and
that’s why IFAN potentially could be a once-in-alifetime
investment opportunity for investors who
act quickly.
You see, with a bank debit card and your secret
PIN number, you don’t actually provide ANY
credit card information.
None. Zero.
Banks consider the combination of a physical
debit card and a PIN CODE to be the equivalent
of... CASH.
They even have a special name for it: a “card
present transaction.”
When you swipe your debit card at a grocery
store, and key in your secret PIN number, it’s a
“card present transaction”...
Accepted Everywhere
Just Like Cash
The store accepts debit cards just like it does
cash... and none of your private information,
such as the numbers on the debit card, are recorded
by the merchant. (continued on page 6)
What to do next for:
IFAN
Ticker Symbol.............................IFAN
Current Price ...............................$.50
5 Month Target...........................$4.50
Long Term Target.....................$19.00
Action to Take.........Buy Immediately
Recommendation:
STRONG BUY!
Credit card companies like Visa, MasterCard
and American Express charge e-commerce
Travel industry businesses often have to pay as
much as 8% to 10% in credit card fees.
iPin Debit (OTCBB: IFAN) advertisement www.IFANreport.com
5

The McShane Letter
“Mobile will redefine how commerce
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...
Outside of credit cards and
charge cards, there’s
$25 trillion out there. That’s
a tremendous opportunity.”
—American Express CEO
Ken Chenault, CNN Money,
May 21, 2014
(continued from page 5)
Instead, the encrypted information stored on
the debit card’s magnetic strip or digital chip is
transmitted directly to the bank.
When combined with the PIN number, it allows
the bank to release the funds directly to the merchant...
but the merchant never even sees, much
less stores, your credit card information.
What to do next for:
IFAN
Ticker Symbol.............................IFAN
Current Price ...............................$.50
5 Month Target...........................$4.50
Long Term Target.....................$19.00
Action to Take.........Buy Immediately
Recommendation:
STRONG BUY!
40 Million Customers
Credit Cards STOLEN!
It’s super-secure—far more secure than credit
card information.
Well, IFAN has figured out a way to use this
same system... only online 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
Largest Credit Card
Data Thefts
Company
Year
Number of
Accounts Affected
TJX Companies, Inc. 2006 94 million
Bank of New York
Mellon
2008 12.5 million
Target Corporation 2013 40 million
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.
Thieves can rack up tens of thousands of
dollars on your credit cards—and it can take weeks,
even months, to clear up the whole mess. In the
meantime, your life is put on hold... your
accounts frozen... bills left unpaid.
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
“If the mobile payments
revolution succeeds, one day
your mobile phone could
replace your cash and debit
cards altogether.”
—American Express,
May 7, 2014
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 vulnerabilities to
exploit so they can steal credit card information.
For example, in December 2013 the Target
Corporation publicly admitted that one of these
automated programs gained access to information
about 40 million of its customers’ credit cards.
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.
(continued on page 10)
6 iPin Debit (OTCBB: IFAN)
advertisement
www.IFANreport.com 7

The McShane Letter
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 single-
handedly 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
$15 trillion worth of retail
transactions in 2013
A skinny 1% of the pie is a
whopping $150 billion.
IFAN capturing just 1% of
that $150 billion slice puts
the company’s revenue at
$1.5 billion.
IFAN’s slice of the $15 trillion pie could be even
bigger as security threats become more and common
and demand for more secure solutions intensifies.
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!
8 iPin Debit (OTCBB: IFAN)
advertisement
www.IFANreport.com 9

The McShane Letter
Forbes Magazine:
“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.”
(continued from page 7)
It’s as good as cash.
In the Target case, one little-known fact is that
the one piece of information the online hackers
were not able to access or steal was... the PIN
numbers used on debit cards!
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
Let the Bidding War Begin!
IFAN’s technology is a breakthrough that’s bound to lift executive
eyebrows at Amazon, eBay, Square and perhaps dozens of others.
Instead of trying to re-create what IFAN has achieved, it’s far easier for
these deep-pocketed giants to buy out the company that invented it. And
that could mean big sudden profits for IFAN investors. Who knows how
high IFAN might be bid up?
10
iPin Debit (OTCBB: IFAN)
on the planet may soon be clamoring to buy up
IFAN.
All a company like SnapChat does is let
teenagers send “self-destructing” photos of
themselves over the Internet... and yet Facebook
offered to buy the company for $3 billion.
IFAN could single-handedly SAVE the entire
trillion-dollar e-commerce industry reeling from
thefts such as Target’s. How likely is it that some
giant corporation will want to buy the company?
I would say it’s very likely—and could
potentially make early bird investors extremely
wealthy if they get shares while they’re still
available for less than $1.
To put it simply: IFAN’s technology means that
consumers never 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.
IFAN
advertisement
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 32.5 million shares outstanding.
With the value of its stock selling for less
than $0.50 a share, that means IFAN’s total market
cap is less than $17 million.
If the value of its stock shot up to, say, $5.00 a
share, that would still give IFAN a total market
cap of only $162 million.
What would it take, in terms of annual sales, for
IFAN to reach a market cap of $162 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 $5 a share, it would
need to have annual sales of around $8 million.
Is that possible? It’s not only possible... I believe
it’s virtually certain!
www.IFANreport.com
11

The McShane Letter
How
Quickly
Could IFAN
Go from
$0.30 to
$3.00 Per
Share?
Now IFAN is set to explode!
PYPL
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 $5 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 $36 a share, every $10,000
invested could potentially grow into
$175,000 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!
AMZN
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
GPN
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.
(continued on page 14)
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.
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 30 cents a share. Although not for long, in
my opinion.
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.
Disclaimer: We are in the business of marketing and advertising companies to
generate exposure of them through newsletters for monetary compensation. This is
paid advertising and does not purport to provide an analysis of the featured company’s
financial position, operations or prospects. Because this advertisement has not been
prepared with any one individuals financial condition or investment goals in mind it
is not to be construed as a recommendation or solicitation to buy or sell any security.
This newsletter nor any of its affiliates are not registered investment advisors or broker
dealers. It is advisable to consult a registered investment advisor for advice on your
specific investment situation. Mintefor Investments LTD paid three million and five
hundred thousand dollars to marketing vendors to pay for all the costs of creating and
distributing this Advertisement, including printing and postage, in an effort to build
investor and market awareness. Don McShane received twelve thousand dollars for
this advertising campaign and expects to receive an unknown amount in subscription
revenue. Viewers of this advertisement should understand that trading activity and
stock prices in many if not all cases tend to increase during the advertisement campaigns
of the profiled company and in many if not all cases tend to decrease thereafter.
This tends to create above average volatility and price movements in the profiled
company’s stock during the advertisement campaign that viewers should take into
consideration at all times. Investing in securities is highly speculative and carries a
great deal of risk, especially as to newer companies with comparatively short operating
histories and limited earnings. You may lose your entire investment. If you cannot
afford to lose your entire investment do NOT invest in penny stocks. This advertisement
is based entirely upon information gathered from public information and third
party websites. Although the information contained in this advertisement is believed
to be reliable, this newsletter makes no warranties as to the accuracy of the content
of this advertisement, expressly disclaims and accepts no liability for how readers
may choose to utilize the content of this advertisement. Readers are strongly urged to
independently verify all statements made in this advertisement and to perform their
own due diligence on this or any other advertised company, including but not limited
to consulting with a qualified investment professional, reviewing the
publicly available financial statements of, and other information about these featured
companies and verifying that an investment in that company is appropriate and suitable
for you. This advertisement contains forward-looking statements about the featured
company its business and prospects. Such forward-looking statements are within
the meaning of Section Twenty Seven A of the Securities Act of 1933, as amended,
and Section Twenty One E of the Securities Exchange Act of 1934, as amended, and
are intended to be covered by the safe harbor provisions created by these laws. Where
a featured company expresses or implies an expectation or belief as to future events
or results, such expectation or belief is believed to have a reasonable basis. However,
forward-looking statements are subject to risks, uncertainties and other factors that
could cause actual results to differ materially from future results expressed, projected
or implied by such forward-looking statements.
12
iPin Debit (OTCBB: IFAN)
advertisement www.IFANreport.com 13

The McShane Letter
(continued from page 12)
This is like being an early private
equity investor in Paypal and being
able to buy 5,000... 10,000...
even 50,000 shares before it
went public and was sold to eBay.
Make no mistake: This is not a
typical penny stock play.
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 worry 'bout money no more.”
And now you’re face-to-face with a rare
opportunity to ride the mobile payment boom for
all it’s worth.
The only immediate risk?
If you hesitate, you could miss the initial early
surge that’s 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.
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 $1 a share—
into $200,000!
14
What to do next for:
IFAN
Ticker Symbol.............................IFAN
Current Price ...............................$.50
5 Month Target...........................$4.50
Long Term Target.....................$19.00
Action to Take.........Buy Immediately
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
Donald McShane
Editor, The McShane Letter
“Don McShane has been called ‘A Wall Street Legend’ for his stock picks”
The McShane Letter
Subscribe Now to The McShane Letter!
GOOD DEAL! One-Year Subscription (13 issues, one
Special Report) — I want to start receiving Don McShane’s best
investment advice immediately. Sign me up for a one-year
subscription or 13 issues of The McShane Letter for the special low
price of $445. That is more than $150 off the regular annual
subscription price and with it Don will rush to me his FREE and
just-completed Special Report—How to Profit from the Coming
Deflation.
BETTER DEAL YET! Two-Year Subscription (26
issues, two Special Reports) sign me up for two years of The McShane
Letter for just $595. That is half the regular price. This guarantees me
26 issues or two years of Don’s very best advice and investment picks.
With my two-year subscription I will receive TWO FREE SPECIAL
REPORTS by Don McShane: How to Profit from the Coming Deflation
PLUS Gold $2,000! Why the Boom in Bullion is Just Beginning.
SIMPLY complete the form below and enclose a check, made payable to
Donald McShane, in the amount of either:
$445 for a One-Year Subscription (13 issues) or
$595 for a Two-Year Subscription (26 issues)
and you will be rushed your free bonus(es).
Subscription Form
Name______________________________________________________________
Address____________________________________________________________
City_____________________________________State_______Zip____________
Email_____________________ Phone(_______)___________________ (optional)
P.S. I sent you this Special Report for free in hopes
Mail this form and your check to:
you’ll want to try a subscription to The McShane
Recommendation:
Letter. I hope I’m right… I hope you buy IFAN,
The McShane Letter • P.O. Box 3244 • Palm Beach • Florida 33480
make a load of money and want more…and pay
STRONG BUY!
me a modest amount for future stock recommendations
and advice.
the Wall Street Journal calls, “A Wall Street Legend”.
Then sit back and get winning investment advice from the man
iPin Debit (OTCBB: IFAN) advertisement www.IFANreport.com 15
$2,000!

Why IFAN Could Be
the Next Paypal...
... and Could Help Save
the $1.2 Trillion E-Commerce
Industry from Epidemic
Credit Card Fraud!
The McShane Letter
P.O. Box 3244 • Palm Beach • Florida 33480
Customer Number:
Source Code:
PRST STD
U.S. POSTAGE
PAID
PERMIT #000
ANYTOWN US