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Ramey International Technology, Inc.

CONNECTING AND BUILDING STRONGER COMMUNITIES

ATTENTION: Investors

Are you ready to start paying it forward?

When you believe a mind is a terrible thing to waste.

You can help someone find their purpose in life.

RAMEY INTERNATIONAL BUSINESS DEVELOPMENT PROGRAM

IN SEARCH OF INVESTORS AND BUSINESS AFFILIATES

We all know that our Federal Social Security System is broken and needs fixing. Much of the American economy is broken or under severe stress. If the average person is to have any chance to prosper, new alternative strategies need to be explored and implemented.

Ramey International Technology has more than 30 years as a services corporation, headquartered in Leesburg, Virginia currently expanding its efforts in business development. As part of this effort, Ramey’s Business Development Program is designed to aid in the economic empowerment of people in need; /only people here in America, people who are left out of the economic mainstream. To achieve this objective Ramey International is providing incentives for people who have some discretionary capital to become our business investors, as well as those who would like to become business owners, or what we call business affiliates.

We are working with some strong multi-million-dollar companies that have good solid products and services to offer the public and with opportunists to offer. We are looking to build strong leaders who are willing to help others become strong leaders while building the wealth and health of others at the same time.

Ramey International Technology will accomplish this through a network of like-minded individuals and communications.

• Virtual private meeting room

• Virtual private conference calls

• Virtual private e-mails

Business Affiliate

For those people who seek to weather the cold reality of this world economy, we provide business opportunities through which they can become more productive and financially rewarded. To facilitate this aspect of the program, Ramey International has identified several powerful, practical business enterprises individuals can launch. With the aid of Ramey International and its affiliates, they will be supported in starting up their new business. More specifically, a team of expert business advisors will be there to assist each prospective business owner in the following:

• Select a business that promises to satisfy their financial goals and expectations.

• Guide them through licensing and meeting other statutory requirements.

• Provide them with tools, including computer equipment, training, and setting up an Internet E-Commerce site to give them a global presence; and,

• Ramey International will manage the entire process, thus helping individuals attain success.

Each Business Affiliate will be responsible for running and maintaining his or her own business, however, he or she will be monitored by Ramey International until such time that they can fly under their power. Based on this program, the sky’s the limit for many families working to gather. In addition to earning incomes based on their businesses’ performance, we at Ramey International have many positions opening that you may apply for. However, in many instances, Business Affiliates stand to benefit from residual income.

Business Investor Option

For those individuals who choose to become business investors, it is important to note that this is not a poverty program. We are not asking you to “give” your time or hard-earned money simply to a cause. No… What we are asking is that you be willing to invest in those who have the energy, the time, and the drive to improve their condition by starting and running a successful small business of their own. Rather than a ‘poverty program,’ we prefer to look at the Ramey International Business Development Program, an empowerment program, as it strives to empower those who have the will but not the means to get ahead.

For example, individuals who invest in Ramey’s Business Development Program will benefit in two ways:

1) They earn a generous return on their investment, and

2) They will be helping to improve the lives of their fellow man/woman (which benefits their quality of life.).

As stated, business investors under this program lend their time and money. These funds are then made available as startup loans to affiliate businesses. Ramey International is there to monitor and guide affiliate activity, which effectively reduces risk to both investors and individual business owners.

For their part, investors stand to earn more than 153% return on their investment over 36 months. This represents over 75% interest per year on the loan amount. Business investors also become eligible to receive profit-sharing dividends (as detailed in the follow-up package of information).

What Do You Do Now?

This is a WIN, WIN, WIN. Scenario! Under Ramey International’s Business Development plan, investors Win with significant returns on their investment; Affiliates Win as they have the opportunity to begin lucrative businesses and become financially secure; and, our communities Win as more individuals are subsequently able to help stabilize their families and contribute to a more wholesome environment for all.

If this concept sounds like something you’d like to be a part of, either as a Business Affiliate or Investor, please send a Reply to this email wilramey@rameyintech.com at your earliest convenience. More details will then be promptly forwarded to you.

Just know that it will take imaginative new approaches to solve the problems of economic despair and disparity. I feel that this Business Development Program goes a long way toward ‘being part of the solution.’ And, with your help and cooperation, we can work together to improve lives.

Thank you so much for reading this mail and giving it your sincere consideration. I look forward to hearing from you soon.

Yours for a brighter more successful future for all,

Wilbur C. Ramey, Jr., President

Ramey International Business Development\Subsidiary of Ramey International Technology, Inc.

Email: wilramey@rameyintech.com http://www.rameyintech.com

703-478-0505(Office)

703-928-4193(cell)

BUSINESS LOAN AGREEMENT

- Individual Member -

Terms and Conditions

This agreement entered into on this_______ day of______________________20__ in and between Ramey Business Development a subsidiary of Ramey International Technology, Inc. (lender) and __________________________________ (borrower).

Ramey Business Development agrees to lend to the aforementioned borrower __________ dollars for at least 36 months. A monthly management and consultation fee equal to 15% of revenues will be paid to Ramey Business Development beginning no later than 30 days following receipt of the first disbursement check paid by the third-party company or product/service provider your business is authorized to market. For this fee, Ramey Business Development pledges to perform the following functions:

1. Provide startup capital for the business.

2. Create an Internet presence for your business.

3. Use its internal resources to ‘drive’ traffic to your Internet site.

4. Provide consultation on business-related matters.

This management/consultation relationship will continue for no less than 36 months from the signing of this agreement. Beyond that time, the terms of this agreement will remain in force, in perpetuity, or until written notifications of intent to terminate the relationship are mailed to and received by Ramey Business Development Plan. Actual termination of the relationship will commence 30 days from valid notification.

After the month and/or after receipt of your business’ first revenue check and Ramey Business Development's first management/consultation fee, assuming that all twenty-four (36) monthly fee payments have been made basis (i.e., at least one fee payment per calendar month following the first day of profit) the borrower has

the right to terminate this agreement.

To encourage the spread of small, for-profit businesses, the Ramey Business Development Plan affirms that it will provide initial startup capital for individuals to enter into selected businesses. In addition, it pledges to market each member business via online, web advertising vehicles, at no cost to the member business. The intent is to drive business to the respective businesses in which it has a business loan relationship, thus helping to make the businesses profitable. The business owner is however responsible for the ultimate success or failure of their respective businesses Ramey Business Development however will utilize its vast resources to help each business reach profitability.

If the lender has paid to the borrower fewer than twenty-four (36) management/consultancy fees, and the borrower acts to breach this agreement or wishes to prematurely terminate this agreement, the borrower will return an amount equal to the initial loan payment to the business (i.e., 100% of the principal), plus an additional amount equal to 50% of the original principal value to cover the accrued interest, administrative and other costs associated with disconnecting service. After this point, this agreement will be deemed fulfilled. Understand that the accrual will be measured at the end of 30 days beyond receipt of notification to terminate or after notice of breach is issued by Ramey Business Development Plan to you, or your assign(s). Once any balance under this agreement is repaid in full, this agreement will be deemed fulfilled.

The following are Terms, Conditions, and other recommendations for establishing a relationship with an individual in the course of helping them build their network businesses.

Independent representative using Social Security Number:

- An independent representative requesting initial startup investment capital must supply their whole legal name, address of residence, home telephone number, social security number, and the name and phone number of a close personal contact.

- When all precursory provisions are complied with, Ramey Business Development Plan is to pay all agreed upon startup fees and associated costs, that is, all costs residing within the normal parameters for initiating a previously agreed upon business; the borrower, however, must beforehand, supply all information necessary for filling out third party application(s) for a network marketing company. Again, this information must be provided before the execution of this agreement. Failure to do so will result in the immediate suspension of this agreement, and any future attempts to reinstate the relationship will be considered at the sole discretion of Ramey International Technology, Inc. and its Business

Development Plan.

- Ramey Business Development Plan promises to represent the interests of the individual and/or his or her business in every way that is consistent with the Terms and Conditions of this agreement, but the borrower must comply with all requirements under any agreements with third-party companies, as well as with Federal, state and local government.

1. Participants in the Ramey Business Investment Agreement hereby agree to the following terms:

a.) Beginning no later than 30 days from receipt of revenue payments from a third-party company, you agree to pay an amount equal to twenty percent (15%) per month of the gross revenues received from business operations (as reported by the third-party company). b.) Understand that the business entity you are managing is 'your personal property' and any expenses or liabilities entered into by you while doing business are limited to your person and your business. Ramey Business Development Plan assumes no blame or liability for any agreements or other liabilities entered into beyond this selected agreement between Ramey Business Development Plan, and you, the borrower.

2. In the event you or your assign(s) fail to actively participate in the proper management of your respective business entity, as demonstrated by positive revenue reports from the third-party company, Ramey Business Development Plan will send a letter of intent to terminate this extra-business relationship. In this case, the principal party (or assign) will be billed for the amount equal to 150% of the initial startup fee; this includes the principal amount of the loan, plus 50% of the loan amount to cover the accrued interest, administrative fees, investor recovery, and miscellaneous costs. You will have 30 days in which to respond to any ‘Notification of Termination’ to avoid penalties and late fees. Penalties are accrued at the rate of 10% per month of the total balance per month, for any month wherein there is an outstanding balance. The Late Fee will be a flat fee of $50.00 beyond the aforementioned balance and penalties.

In the event of default, you or your assign(s) will be wholly responsible for any legal and investment recovery costs.

3. Any breach of the terms of this agreement will call for an immediate termination of this agreement, and the provisions under Part 2 above, will be strictly enforced.

Individuals/Businesses choosing to use a Business Tax ID Number:

4. Individuals who choose to form or make an application under an existing corporate charter will comply with the following requirements. As part of this arrangement, the person/corporation must also obtain, possess, and use, a Federal Tax ID Number. This number will be the basis of the membership between them and any other third-party corporate entities, such as a multi-level or network marketing company.

5. The corporate entity must comply with all terms and conditions of Parts 1 and part 2 of this agreement; otherwise, you will be held in breach.

6. The borrower’s corporate secretary and president are responsible for complying with all federal, state, and local requirements for doing business. In addition, they are also responsible for completing all paperwork necessary for ordering and providing payment for products from manufacturers, suppliers, or third-party affiliates.

7. Ramey Business Development Plan is responsible for supplying the initial funding for a startup. Helping with technical functions like website development, contact with network/multi-level marketing parent companies, and providing an invoice for all pertinent transactions between the member company and Ramey Business Development Plan.

8. Neither Ramey Business Development Plan nor any of its affiliate companies are responsible for debts, losses, or other liabilities independently accrued by the member corporation(s).