family and friends, as well as pay for goods and services, anytime, anywhere using just their cell phone. XIPWIRE was designed and developed to be simple, safe and secure for both individuals and merchants. The convenience of being able to send money directly from a mobile phone is attracting a significant number of users. In addition, many local vendors, including restaurants, non-profits and service organizations, recognizing the versatility of this service, low transaction fees and its potential competitive advantage, have already signed up to offer XIPWIRE as a payment option for their customers. With mobile payments widely adopted internationally, and US mobile payments projected to peak by 2012, XIPWIRE is poised to lead the industry with its robust payment platform. Developed with a meticulous focus on privacy and security, XIPWIRE's patent-pending technology uses a multi-layered approach to guard against unauthorized access and potential fraudulent activity. Industrial strength encryption, PIN-based authentication, instant phone lock, and Anonymous ID, among many other features, create a safe environment in which both both individuals and merchants can confidently conduct transactions. About XIPWIRE: Founded in 2009, XIPWIRE is a mobile payment service that enables people to securely send and receive money using a simple text message. The company develops technologies that allow people to leave their cash behind and pay for goods and services in a secure and trusted environment using just their mobile phone. Signing up for a XIPWIRE account is fast and free. www.xipwire.com