Arden has already developed a customer base in of several hundred thousand

consumers.  The Company has positioned itself to expand its present contract with

China Construction Bank into all branches in the Provinces of Guangdong, Shanghai,

and Beijing.

The management team has years of experience in operating and managing call center,

logistics, telemarketing, and customer-relations services.

Arden charges a service fee to the China Constuction Bank to manage and fullfill the

Bank’s bonus points incentive program.  Further income is provided by markup on the

wholesale value of gift items provided by Arden. As the Company’s customer base

expands, bulk purchasing of gift items will reduce the wholesale price charged to Arden, thus increasing the

mark-up income per item, as well as increasing income from the number of fullment transactions.  Arden plans

to develop an on-line catalogue of its gift items. The ecommerce version of the gift catalogue provides additional

cost-cutting and income-generating opportunities for the Company. Catalogue printing costs will be reduced as

more users take advantage of the continually-updated online catalogue, ordering procedures will become more

Oxford’s partnership with Arden will allow Oxford to enter into the loyalty and electronic payment market in China

through Arden’s present and projected customer base, thus ensuring the successful introduction of Oxford’s