SECURITIES AND EXCHANGE COMMISSION
                      Washington, D.C.  20549

                            FORM 10-KSB
(Mark One)
[X]           ANNUAL REPORT UNDER SECTION 13 OR 15(d)
              OF THE SECURITIES EXCHANGE ACT OF 1934

                     For the fiscal year ended December 31, 2005

[  ]        TRANSITION REPORT PURSUANT TO SECTION 13 OR
            15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
              For the transition period from        to

                   Commission file number 0-31405


                 CRYSTAL FINANCE HOLDING CORPORATION

          (Name of small Business issuer as of February 27, 2006)


                  CRYSTAL ACQUISITION CORPORATION
        (Former Name of small business issuer in its charter)


    Delaware                                      52-2257556
   (State or other jurisdiction of                (I.R.S. Employer
   incorporation or organization)                 Identification No.)

                         Three Financial Center
                         900 South Shackleford, Suite 300
                         Little Rock, Arkansas 72211

        Issuer's Telephone Number:     501/978-1115

Securities registered under Section 12(g) of the Exchange Act:
       Common Stock, $.0001 par value per share

Check whether the issuer (1) filed all reports required to be filed
by Section 13 or 15(d) of the Exchange Act during the last 12
months (or for such shorter period that the registrant was required
to file such reports), and (2) has been subject to such filing
requirements for the past 90 days.   Yes   X     No

Check if there is no disclosure of delinquent filers in response to
Item 405 of Regulation S-B contained in this form, and no
disclosure will be contained, to the best of registrant's
knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-KSB or any
amendment to this Form 10-KSB.  [  ]

Indicate by check mark whether the registrant is a shell company (as
defined in Rule 12b-2 of the Exchange Act).   Yes       No  X

State issuer's revenues for its most recent fiscal year.    $0.

State the aggregate market value of the voting and non-voting
common equity held by non-affiliates computed by reference to the
price at which the common equity was sold, or the average bid and
asked price of such common equity, as of a specified date within
the past 60 days.                  $ 0.

State the number of shares outstanding of each of the issuer's
     classes of common equity, as of the latest practicable date.

Class                              Outstanding at December 31, 2005

Common Stock, par value $0.0001              1,000,000

Documents incorporated by reference:          None



<PAGE>
                               PART I

Item 1.  Description of Business

     Crystal Acquisition Corporation (the "Company") was
incorporated on March 24, 1999 under the laws of the State of
Delaware to engage in any lawful corporate undertaking, including,
but not limited to, selected mergers and acquisitions. The Company
has been in the developmental stage since inception and has no
operations to date other than issuing shares to its original
shareholder.

     The Company was formed to seek, investigate and, if such
investigation warranted, acquire an interest in a business entity
which desired to seek the perceived advantages of a corporation
which has a class of securities registered under the Exchange Act.

     The Company registered its common stock on a Form 10-SB
registration statement filed pursuant to the Securities Exchange
Act of 1934 (the "Exchange Act") and Rule 12(g) thereof.  The
Company files with the Securities and Exchange Commission periodic
and current reports under Rule 13(a) of the Exchange Act, including
quarterly reports on Form 10-QSB and annual reports Form 10-KSB.


Item 2.  Description of Property

     The Company has no properties and at this time has no
agreements to acquire any properties.  The Company currently uses
the offices of management at no cost to the Company.


Item 3.  Legal Proceedings

     There is no litigation pending or threatened by or against the
Company.


Item 4.  Submission of Matters to a Vote of Security Holders

     No matter was submitted to a vote of security holders, through
the solicitation of proxies or otherwise, during the fourth quarter
of the fiscal year covered by this report.

                              PART II

Item 5.  Market for Common Equity and Related Stockholder Matters

     There is currently no public market for the Company's securities.
On February 27, 2006, the Company increased its authorized capitalization
to 500,000,000 shares of common stock and 50,000,000 shares of preferred
stock.  The 1,000,000 shares of common stock outstanding was redeemed on
February 28, 2006.  No additional shares have been issued as of the date
of the filing of this report.

     At such time as it qualifies, the Company may choose to apply
for quotation of its securities on the NASD OTC Bulletin Board.

     The NASD OTC Bulletin Board is a dealer-driven quotation
service.  Unlike the Nasdaq Stock Market, companies cannot directly
apply to be quoted on the NASD OTC Bulletin Board, only market
makers can initiate quotes, and quoted companies do not have to
meet any quantitative financial requirements.  Any equity security
of a reporting company not listed on the Nasdaq Stock Market or on
a national securities exchange is eligible.

     As such time as it qualifies, the Company may choose to apply
for quotation of its securities on the Nasdaq SmallCap Market.

     In order to qualify for listing on the Nasdaq SmallCap Market,
a company must have at least (i) net tangible assets of $4,000,000
or market capitalization of $50,000,000 or net income for two of
the last three years of $750,000; (ii) a public float of 1,000,000
shares with a market value of $5,000,000; (iii) a bid price of
$4.00; (iv) three market makers; (v) 300 shareholders and (vi) an
operating history of one year or, if less than one year,
$50,000,000 in market capitalization.  For continued listing on the
Nasdaq SmallCap Market, a company must have at least (i) net
tangible assets of $2,000,000 or market capitalization of
$35,000,000 or net income for two of the last three years of
$500,000; (ii) a public float of 500,000 shares with a market value
of $1,000,000; (iii) a bid price of $1.00; (iv) two market makers;
and (v) 300 shareholders.

     In general there is greatest liquidity for traded securities
on the Nasdaq SmallCap Market and less on the NASD OTC Bulletin
Board.  It is not possible to predict where, if at all, the
securities of the Company will be traded following a business
combination.

     Since inception, the Company sold securities
which were not registered as follows:

                                        NUMBER OF
DATE              NAME                  SHARES         CONSIDERATION

March 25, 1999   Pierce Mill
                 Associates, Inc.(1)    1,000,000      $  100
________

     (1)  Until February 28, 2006, Mr. Cassidy was the president and
sole director of the Company and he is the sole director and shareholder
of Pierce Mill Associates, Inc. and was therefore considered to be
the beneficial owner of the common stock of the Company issued to it.

On February 28, 2006, the 1,000,000 outstanding shares of common
stock held by Pierce Mill Associates, Inc. were redeemed by the Company.


Item 6.  Management's Discussion and Analysis or Plan of Operation

	On February 22, 2006, the Company entered into an agreement
with Twiple Finance Holdings, Inc. under which a change in control
of the Company occurred.

 	On February 27, 2006, the Company amended its certificate of
incorporation to change its name to Crystal Finance Holding
Corporation and to increase its capitalization to 500,000,000
shares of common stock and 50,000,000 shares of preferred stock.

       On February 28, 2006, pursuant to the terms of an agreement
dated February 22, 2006, there was a change in control of the Company.
Accordingly:

	(i) the outstanding shares of common stock of the Company were
		redeemed by the Company;
	(ii) the sole officer and director of the Company resigned;
	(iii) a new officer and director was appointed
  	(iv)  a Form 8-K was filed on March 1, 2006 referencing such
		  changes

	The Company intends to capitalize on the growth of the worldwide
internet electronic transaction market. Through the acquisition and
development of people, processes and technologies, the Company hopes
to facilitate the freeflow of commerce, value and information in a
secure, inexpensive, digital environment. The Company believes that
a seamless interface with current and emerging technologies will be
the goal that attracts and maintains brand loyalty from the flexible
global citizen.

     No officer, director, shareholder or any affiliate or associate
of the Company serves as an officer or director or holds any ownership
interest in Twiple Finance Holdings, Inc. and the transaction was
negotiated and entered into as an arm's length transaction.


Item 7.  Financial Statements

     The financial statements for the year ended December 31, 2005
are attached to this filing.


Item 8.   Changes in and Disagreements with Accountants on
          Accounting and Financial Disclosure

     There were no changes in or disagreements with accountants on
accounting and financial disclosure for the period covered by this
report.


                              PART III

Item 9.   Directors, Executive Officers, Promoters and Control
          Persons; Compliance with Section 16(a) of the Exchange
          Act

     Set forth below is the name of the director and officer of the
Company as of December 31, 2005, all positions and offices with the
Company held, the period during which he has served as such:

Name                     Age       Positions and Offices Held

James M. Cassidy          70       President, Secretary, Director

     On February 28, 2006, Michael Kelly Woolridge, Esq. was elected
to serve as director of the Company and appointed President, Treasurer
and Secretary.

     There are no agreements or understandings for the officer or
director to resign at the request of another person and the above-
named officer and director is not acting on behalf of nor will act
at the direction of any other person.


Item 10.  Executive Compensation

     The Company's officer and director does not receive any
compensation for his services rendered to the Company, nor has he
received such compensation in the past.  The officer and director
is not accruing any compensation pursuant to any agreement with the
Company.

     No retirement, pension, profit sharing, stock option or
insurance programs or other similar programs have been adopted by
the Company for the benefit of its employees.


Item 11.  Security Ownership of Certain Beneficial Owners and Management

     The following table sets forth, as of December 31, 2005, each
person known by the Company to be the beneficial owner of five
percent or more of the Company's common stock and the director and
officer of the Company.  Except as noted, the holder thereof has
sole voting and investment power with respect to the shares shown.

The outstanding shares listed below were redeemed by the Company on
February 28, 2006, and as of the date of the filing of this report no
new shares have been issued.

Name and Address                 Amount of Beneficial      Percent of
of Beneficial Owner              Ownership                 Outstanding Stock


Pierce Mill Associates, Inc.     1,000,000                  100%
1504 R Street, N.W.
Washington, D.C. 20009

James M. Cassidy(1)              1,000,000                  100%
1504 R Street, N.W.
Washington, D.C. 20009

All Executive Officers and
Directors as a Group
     (1 Person)                   1,000,000                 100%

(1)  Mr. Cassidy is the sole director and shareholder of Pierce
     Mill Associates, Inc. and is therefore considered the
     beneficial owner of the shares of common stock owned by it.


Item 12.  Certain Relationships and Related Transactions

     On March 25, 1999, the Company issued a total of 1,000,000
shares of common stock to the following entity for a total of $100
in cash:
                               NUMBER OF          TOTAL
     NAME                      SHARES             CONSIDERATION


Pierce Mill Associates, Inc.    1,000,000        $  100


Item 13.  Exhibits and Reports on Form 8-K

     (a)  Exhibits

     (b)  There were no reports on Form 8-K filed by the Company
during the quarter ended December 31, 2005.  The Company filed
a Form 8-K on March 1, 2006 noting the change in control of
the Company.


Item 14.  Controls and Procedures

	Pursuant to Rules adopted by the Securities and Exchange
Commission under Section 302(a) of the Sarbanes-Oxley Act of 2002,
the Company carried out an evaluation of the effectiveness of the
design and operation of its disclosure controls and procedures
pursuant to Exchange Act Rule 13a-14.  This evaluation  was as of
the end of the fiscal period covered by this report done under the
supervision and with the participation of the Company's principal
executive officer (who is also the principal financial officer).
There have been no significant changes in internal controls or in
other factors that could significantly affect internal controls
subsequent to the date of the evaluation.  Based upon that evaluation,
he believes that the Company's disclosure controls and procedures
are effective in gathering, analyzing and disclosing information
needed to ensure that the information required to be disclosed by the
Company in its periodic reports is recorded, summarized and processed
timely.  The principal executive officer  is directly involved in the
day-to-day operations of the Company.


                             SIGNATURES

     Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be
signed on its behalf by the undersigned thereunto duly authorized.


                              CRYSTAL ACQUISITION CORPORATION


                         By:   /s/  Michael Kelly Woolridge
                                         President

Dated:  March 30, 2006


     Pursuant to the Securities Exchange Act of 1934, this report
has been signed below by the following persons on behalf of the
registrant and in the capacities and on the dates indicated.

NAME                             OFFICE              DATE

/s/ Michael Kelly Woolridge     Director            March 30, 2006

<PAGE>



                 CRYSTAL ACQUISITION CORPORATION
                  (A DEVELOPMENT STAGE COMPANY)
                       FINANCIAL STATEMENTS
                     AS OF DECEMBER 31, 2005



<PAGE>

                 CRYSTAL ACQUISITION CORPORATION
                  (A DEVELOPMENT STAGE COMPANY)

                             CONTENTS
                             --------


PAGE	1	REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

PAGE	2	BALANCE SHEET AS OF DECEMBER 31, 2005

PAGE	3	STATEMENTS OF OPERATIONS FOR THE YEARS ENDED DECEMBER
		31, 2005 AND 2004 AND FOR THE PERIOD FROM MARCH 24,
		1999 (INCEPTION) TO DECEMBER 31, 2005

PAGE	4	STATEMENT OF CHANGES IN STOCKHOLDER'S EQUITY FOR THE PERIOD
		FROM MARCH 24, 1999 (INCEPTION) TO DECEMBER 31, 2005

PAGE	5	STATEMENTS OF CASH FLOWS FOR THE YEARS ENDED DECEMBER 31,
		2005 AND 2004 AND FOR THE PERIOD FROM MARCH 24, 1999
		(INCEPTION) TO DECEMBER 31, 2005

PAGES	6 - 9	NOTES TO FINANCIAL STATEMENTS AS OF DECEMBER 31, 2005



REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


To the Board of Directors of:
Crystal Acquisition Corporation
(A Development Stage Company)

We have audited the accompanying balance sheet of Crystal
Acquisition Corporation (a development stage company) as of
December 31, 2005 and the related statements of operations,
changes in stockholder's equity and cash flows for the years
ended December 31, 2005 and 2004 and for the period from March 24,
1999 (inception) to December 31, 2005. These financial statements
are the responsibility of the Company's management.  Our
responsibility is to express an opinion on these financial
statements based on our audits.

We conducted our audits in accordance with auditing standards of
The Public Company Accounting Oversight Board (United States).
Those standards require that we plan and perform the audits to
obtain reasonable assurance about whether the financial statements
are free of material misstatement.  An audit includes examining,
on a test basis, evidence supporting the amounts and disclosures
in the financial statements.  An audit also includes assessing the
accounting principles used and significant estimates made by
management, as well as evaluating the overall financial statement
presentation.  We believe that our audits provide a reasonable basis
for our opinion.

In our opinion, the financial statements referred to above present
fairly in all material respects, the financial position of Crystal
Acquisition Corporation (a development stage company) as of December
31, 2005, and the results of its operations and its cash flows for
the years ended December 31, 2005 and 2004 and for the period from
March 24, 1999 (inception) to December 31, 2005 in conformity with
accounting principles generally accepted in the United States
of America.



WEINBERG & COMPANY, P.A.


Boca Raton, Florida
March 23, 2006


<PAGE>

                          CRYSTAL ACQUISITION CORPORATION
                           (A DEVELOPMENT STAGE COMPANY)
                                    BALANCE SHEET
                               AS OF DECEMBER 31, 2005
                               -----------------------

                                      ASSETS

             Cash                                      $ 100
                                                       ------
             TOTAL ASSETS                              $ 100
             ------------                              ======


                       LIABILITIES AND STOCKHOLDER'S EQUITY


              LIABILITIES                             $   -

              STOCKHOLDER'S EQUITY

              Preferred Stock, $.0001 par value,
               20,000,000 shares authorized,
               none issued and outstanding                -
              Common Stock, $.0001 par value,
               100,000,000 shares authorized,
               1,000,000 issued and outstanding          100
              Additional paid-in capital                 535
              Deficit accumulated during
               development stage                        (535)
                                                        -----

                Total Stockholder's Equity               100
                                                        -----


              TOTAL LIABILITIES AND
              STOCKHOLDER'S EQUITY                      $ 100
                                                        =======



                 See accompanying notes to financial statements
                                       2

<PAGE>

                       CRYSTAL ACQUISITION CORPORATION
                        (A DEVELOPMENT STAGE COMPANY)
                           STATEMENT OF OPERATIONS
                           -----------------------

                                                      For the Period
                                                          From
                      For the Year   For the Year     March 24, 1999
                         Ended          Ended         (Inception) to
                      December 31,   December 31,       December 31,
                          2005          2004               2005
                      -----------    ------------     --------------

Income                $      -        $   -            $     -

Expenses
 Organization expense        -            -                 535
                      ----------      ---------        ---------

Total expenses               -            -                 535
                      ----------      ---------         ---------

NET LOSS              $      -         $  -             $  (535)
==========            ==========      =========        ==========

                    See accompanying notes to financial statements
                                        3

<PAGE>


                       CRYSTAL ACQUISITION CORPORATION
                         (A DEVELOPMENT STAGE COMPANY)
                STATEMENT OF CHANGES IN STOCKHOLDER'S EQUITY
                FOR THE PERIOD FROM MARCH 24, 1999 (INCEPTION)
                           TO DECEMBER 31, 2005
                           --------------------
                                                          Deficit
                                                         Accumulated
                                                           During
                        Common Stock Issued    Paid-In   Development
                          Shares     Amount    Capital      Stage      Total
                         -------     ------    -------   ----------   -------

Common Stock Issuance    1,000,000    $ 100     $  -        $  -       $ 100

Fair value of expenses
  contributed                   -        -        535          -         535

Net loss for the years ended:
 December 31, 1999              -        -         -          (535)     (535)
 December 31, 2000              -        -         -           -          -
 December 31, 2001              -        -         -           -          -
 December 31, 2002              -        -         -           -          -
 December 31, 2003              -        -         -           -          -
 December 31, 2004              -        -         -           -          -
 December 31, 2005              -        -         -           -          -
                          ---------   ------     -----     --------    ------
BALANCE AT
  DECEMBER 31, 2005      1,000,000    $ 100      $ 535       $(535)    $ 100
===================      =========    =====      =====      =======    ======

                   See accompanying notes to financial statements
                                        4


<PAGE>

                     CRYSTAL ACQUISITION CORPORATION
                       (A DEVELOPMENT STAGE COMPANY)
                         STATEMENTS OF CASH FLOWS
                         ------------------------
                                                                 For The Period
                                                                      From
                                    For the Year                 March 24, 1999
                                       Ended         Ended       (Inception) to
                                    December 31,   December 31,   December 31,
                                       2005          2004             2005
                                    -----------    -----------   ------------

CASH FLOWS FROM OPERATING ACTIVITIES:

Net loss                             $    -         $   -          $   (535)
Adjustment to reconcile
 net loss to net cash used by
 operating activities

Contributed expenses                      -             -               535
                                       -------        -------        --------

 Net Cash Used In Operating Activities     -            -                -
                                       -------        -------        --------
CASH FLOWS FROM INVESTING ACTIVITIES       -            -                -
                                       -------        -------        --------
CASH FLOWS FROM FINANCING ACTIVITIES:

 Proceeds from issuance of common stock   -             -              100
                                       -------        -------        --------
 Net Cash Provided By Financing
    Activities                            -             -              100
                                       -------        -------        -------
INCREASE IN CASH AND CASH EQUIVALENTS     -             -              100

CASH AND CASH EQUIVALENTS - BEGINNING
   OF PERIOD                            100            100               -
                                       -------        -------        -------
CASH AND CASH EQUIVALENTS -
   END OF PERIOD                      $ 100           $100            $100
=========================             ========        =======         ======

                    See accompanying notes to financial statements
                                         5


<PAGE>
                          CRYSTAL ACQUISITION CORPORATION
                           (A DEVELOPMENT STAGE COMPANY)
                           NOTES TO FINANCIAL STATEMENTS
                              AS OF DECEMBER 31, 2005
                              -----------------------

NOTE 1    SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

(A) Organization and Business Operations

Crystal Acquisition Corporation (a development stage company)
("the Company") was incorporated in Delaware on March 24, 1999
to serve as a vehicle to effect a merger, exchange of capital stock,
asset acquisition or other business combination with a domestic or
foreign private business.  At December 31, 2005, the Company had not
yet commenced any formal business operations, and all activity to
date relates to the Company's formation.  The Company's fiscal year
end is December 31.

The Company's ability to commence operations is contingent upon its
ability to identify a prospective target business.

(B) Use of Estimates

The preparation of the financial statements in conformity with generally
accepted accounting principles requires management to make estimates and
assumptions that affect the reported amounts of assets and liabilities
and disclosure of contingent assets and liabilities at the date of the
financial statements and the reported amounts of revenues and expenses
during the reporting period.  Actual results could differ from those
estimates.

(C) Cash and Cash Equivalents

For purposes of the statement of cash flows, the Company considers all
highly liquid investments purchased with an original maturity of three
months or less to be cash equivalents.

(D) Income Taxes

The Company accounts for income taxes under the Financial Accounting
Standards Board of Financial Accounting Standards No. 109, "Accounting
for Income Taxes" ("Statement 109"). Under Statement 109, deferred tax
assets and liabilities are recognized for the future tax consequences
attributable to differences between the financial statement carrying
amounts of existing assets and liabilities and their respective tax basis.
Deferred tax assets and liabilities are measured using enacted tax rates
expected to apply to taxable income in the years in which those temporary
differences are expected to be recovered or settled.  Under Statement 109,
the effect on deferred tax assets and liabilities of a change in tax rates
is recognized in income in the period that includes the enactment date.
There were no current or deferred income tax expense or benefits due to
the Company not having any material operations for the years ended December
31, 2005 and 2004.

                                      6


<PAGE>
                          CRYSTAL ACQUISITION CORPORATION
                           (A DEVELOPMENT STAGE COMPANY)
                           NOTES TO FINANCIAL STATEMENTS
                              AS OF DECEMBER 31, 2005
                              -----------------------

(E) Recent Accounting Pronouncements

In December 2004, the FASB issued SFAS No. 123 (R), "Share-Based Payment".
SFAS No. 123 (R) revises SFAS No. 123, "Accounting for Stock-Based
Compensation" and supersedes APB Opinion No. 25, "Accounting for Stock
Issued to Employees".  SFAS No. 123 (R) focuses primarily on the accounting
for transactions in which an entity obtains employee services in share-based
payment transactions.  SFAS No. 123 (R) requires companies to recognize
in the statement of operations the cost of employee services received
in exchange for awards of equity instruments based on the grant-date
fair value of those awards (with limited exceptions).  SFAS No. 123 (R)
is effective as of the first interim or annual reporting period that
begins after June 15, 2005 for non-small business issuers and after
December 15, 2005 for small business issuers.  Accordingly, the Company
will adopt SFAS No. 123 (R) in its quarter ending March 31, 2006.  The
Company is currently evaluating the provisions of SFAS No. 123 (R) and
has not yet determined the impact, if any, that SFAS No. 123 (R) will
have on its financial statement presentation or disclosures.

In December 2004, the FASB issued SFAS No. 153, "Exchanges of Nonmonetary
Assets, an amendment of APB No. 29".  The guidance in APB Opinion No. 29,
Accounting for Nonmenetary Transactions, is based on the principle that
exchanges of nonmonetary assets should be measured based on the fair
value of the assets exchanged. The guidance in that Opinion, however,
included certain exceptions to that principle.  SFAS No. 153 amends
Opinion 29 to eliminate the exception for nonmonetary exchanges of
similar productive assets and replaces it with a general exception
for exchanges of nonmonetary assets that do not have commercial
substance.  A nonmonetary exchange has commercial substance if the
future cash flows of the entity are expected to change significantly
as a result of the exchange.  This statement is effective for
nonmonetary exchanges occurring in fiscal periods beginning after
June 15, 2005, earlier application is permitted.

In May 2005, the FASB issued SFAS No. 154 that establishes new standards
on accounting for changes in accounting principles.  Pursuant to the new
rules, all such changes must be accounted for by retrospective
application to the financial statements of prior periods unless it is
impracticable to do so.  SFAS No. 154 completely replaces Accounting
Principles Bulletin (APB) Opinion 20 and SFAS 3, though it carries
forward the guidance in those pronouncements with respect to
accounting for changes in estimates, changes in the reporting entity,
and the correction of errors.  This statement is effective for
accounting changes and corrections of errors made in fiscal years
beginning after December 15, 2005.

The adoption of these pronouncements will not have a material effect
on the Company's financial position or results of operations.

                                       7

<PAGE>
                          CRYSTAL ACQUISITION CORPORATION
                           (A DEVELOPMENT STAGE COMPANY)
                           NOTES TO FINANCIAL STATEMENTS
                              AS OF DECEMBER 31, 2005
                              -----------------------

<PAGE>
NOTE 2    STOCKHOLDER'S EQUITY

(A) Preferred Stock

The Company is authorized to issue 20,000,000 shares of preferred
stock at $.0001 par value, with such designations, voting and other
rights and preferences as may be determined from time to time by the
Board of Directors.

(B) Common Stock

The Company is authorized to issue 100,000,000 shares of common stock
at $.0001 par value.  The Company issued 1,000,000 shares of its
common stock to Pierce Mill Associates, Inc. pursuant to Section 4(2)
of the Securities Act of 1933 for an aggregate consideration of $100.

(C) Additional Paid-In Capital

Additional paid-in capital at December 31, 2005 represents the fair
value of the amount of organization and professional costs incurred
by related parties on behalf of the Company (See Note 4).

NOTE 3    AGREEMENT

On April 1, 1999, the Company signed an agreement with Rock Creek
Capital Corporation ("Rock Creek"), a related entity (See Note 4).
The Agreement calls for Rock Creek to provide the following services,
without reimbursement from the Company, until the Company enters into
a business combination as described in Note 1(A):

1.   Preparation and filing of required documents with the Securities
	and Exchange Commission.
2.   Location and review of potential target companies.
3.   Payment of all corporate, organizational, and other costs incurred
	by the Company.

NOTE 4    RELATED PARTIES

Legal counsel to the Company is a firm owned by a director of the Company
who also owns 100% of the outstanding stock of Pierce Mill Associates, Inc.
and Rock Creek (See Note 3).

                                       8

<PAGE>
                          CRYSTAL ACQUISITION CORPORATION
                           (A DEVELOPMENT STAGE COMPANY)
                           NOTES TO FINANCIAL STATEMENTS
                              AS OF DECEMBER 31, 2005
                              -----------------------

<PAGE>
NOTE 5    SUBSEQUENT EVENTS

On February 22, 2006, the Company entered into an agreement with Twiple
Finance Holdings, Inc. under which a change in control of the Company
occurred.

On February 27, 2006, the Company amended its certificate of incorporation
to change its name to Crystal Finance Holding Corporation and to increase
its capitalization to 500,000,000 shares of common stock and 50,000,000
shares of preferred stock.

On February 28, 2006, pursuant to the terms of an agreement dated
February 22, 2006. there was a change in control of the Company.

Accordingly:

	(i)	the outstanding shares of common stock of the Company were
		redeemed by the Company.

	(ii)	the sole officer and director of the Company resigned;

	(iii)	a new officer and director was appointed

	(iv)	a Form 8-K was filed on March 1, 2006 referencing such changes


                                    9