Medical Cannabis Payment Solutions (OTC Bulletin Board, REFG), a leader in technological solutions for the medical cannabis industry, today issued an open letter to shareholders.

Dear Fellow Shareholders:

2014 has been a thrilling and enjoyable year for Medical Cannabis Payment Solutions. I am pleased at the accomplishments we have achieved, and I am confident you are too.

We have delivered strong product development performance, putting us in the top tier in our industry. From a standing start, we have positioned Medical Cannabis Payment Solutions as one of the most technologically advanced companies in the medical marijuana space.

After making significant investments in research and development, our next generation payment processing solution, our mobile application platform and our seed-to-sale system are being introduced to the marketplace.

Together with our advisory committee, I have been meeting with regulators across the country to ensure a smooth launch of our systems. With the benefit of former and current members of the various branches of government (legislative, executive and judicial), we have been able to open doors, satisfactorily answer questions and our products are anxiously anticipated.

We have secured a $500,000 investment to fund our sales and marketing efforts. I believe we have the necessary financial resources, the perfect ensemble of professionals and an awaiting market to deliver strong financial performance while ensuring our performance levels can be sustained in the long term.

We set a series of long-term targets, but ensured they also support our short-term needs. There is little debate the pace of change in the medical marijuana space today can be challenging. And that means we can never stop to congratulate ourselves on our success. To that end, we have identified three business imperatives on which we will focus.

Our first imperative is to successfully launch our payment platform in states currently conducting legal marijuana sales. We have made enormous strides accomplishing this imperative and will continue to exert our energies here. We are confident this has the largest performance potential and of our products, it is the most dynamic, unique and market-driven.

Our second imperative is to build and expand on our mobile application sales. We previously announced the investment in a sales facility and are beginning to sell the platform. Ghost Apps is a sophisticated and robust communication tool. We firmly believe companies will continue to invest in mobile applications as the next logical step in an online portfolio.

Our third imperative is to work with state regulators to make certain our seed-to-sale platform complies with all state laws and then begin offering that platform to dispensaries and to cultivation and production facilities.

I am sure you will agree we have delivered strong and consistent performance. It is now time for us to turn our work into balanced and strong revenue streams. To that end, we are dedicated, capable and focused.

I want to thank our advisory committee and our executive staff. We have a remarkably dedicated group with a unique set of skills that ensure our company's continued success.

We are making progress on all fronts. It is hugely encouraging; we have the wherewithal, the ingenuity and the desire to keep moving forward productively. Of that, I am certain.

Jeremy Roberts

President and Chief Executive Officer

About Medical Cannabis Payment Systems, Inc.

Our mission is to provide end-to-end management, across multiple management systems, for medicinal marijuana operations. Many medicinal marijuana companies have experienced such rapid growth that they are finding it difficult to manage all aspects of their operation. In order to become a successful and compliant medicinal marijuana operation, effective management must depend on many different systems. REFG solves the fragmentation problem by identifying tools that are important to dispensaries, and customizing those tools specifically catered to the industry. We strive to create awareness within the medicinal marijuana industry and to develop an environmentally friendly, economically sustainable business while increasing shareholder value. For more information, please visit the company's website at: www.refg.co

FORWARD-LOOKING STATEMENT

This press release may contain certain forward-looking statements and information, as defined within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, and is subject to the Safe Harbor created by those sections. This material contains statements about expected future events and/or financial results that are forward-looking in nature and subject to risks and uncertainties. Such forward-looking statements by definition involve risks, uncertainties and other factors, which may cause the actual results, performance or achievements of REFG, Inc. to be materially different from the statements made herein.

Contact:CorporateMedical Cannabis Payment Systems, Inc.Jeremy Roberts702-706-7011Jeremy@refg.cowww.refg.co

Medical Cannabis Payment Systems, Inc.Jeremy Roberts, 702-706-7011Jeremy@refg.co

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