Oxford Investments Holdings is currently establishing itself as a leading direct-banking and payment-card solutions company by concentrating its business around its "FocusKard" suite of products. "FocusKard" products consist of an online-access account represented by a stored-value card.

Monetary value is added to the stored-value account before the card is used. The card is then used as a substitute for cash, gift certificates, or check payments. A stored-value product such as the FocusKard expands the functionality of electronic banking, allowing new and innovative payment methods that limit risk exposure to both the consumer and the merchant.

The FocusKard platform is headlined by our ewallet solution. This product allows for instant internet transfers of funds between consumer and merchant and vice versa. Other programs currently underway involve the introduction of a payroll card and a direct-debit card.

This is only the beginning of the new vision of the FocusKard products - comprehensive direct-banking and payment-card solutions tailored to the requirements of today's businesses. The goal is to continually develop innovative electronic payment products that serve a broad range of markets and are delivered on a stored-value platform technology.

Oxford Investments Holdings Inc. (Symbol OXIHF) was incorporated in the province of Ontario in October 2000, and maintains its head offices at 1315 Lawrence Ave. East, Suite 520, Toronto, Ontario Canada, M3A 3R3.