Exhibbit 10.3

                           CONVERTIBLE LOAN AGREEMENT

THIS  CONVERTIBLE  LOAN AGREEMENT made as of the 27th day of January,  2012 (the
"Effective Date").

BETWEEN:

               PFN HOLDINGS a Nevada company

               (hereinafter referred to as the "COMPANY")

AND:

               RIGHT POWER SERVICES LTD., a BVI company

               (hereinafter referred to as the "LENDER")

AND

               WEB WIZARD, INC, a publicly traded Nevada company

               (hereinafter referred to as the "PUBCO")

WHEREAS:

A.   Lender  desires to loan funds to the Company  pursuant to the terms of this
     Agreement in the principal amount of $5,000 (the "LOAN");

B.   The Loan is convertible  (the  "CONVERSION")  into  securities of the Pubco
     consisting of common shares of the Pubco (the "SHARES") at $0.75 per share;

C.   The Lender  understands and acknowledges to the Company that this Agreement
     is being made pursuant to an exemption (the  "EXEMPTION") from registration
     provided by Section 4(2) of the United  States  Securities  Act of 1933, as
     amended  (the  "SECURITIES  ACT")  and  Rule  903  of  Regulation  S of the
     Securities Act for the private offering of securities; and

D.   The Company desires to borrow funds from Lender on the terms and conditions
     set forth in this Agreement.

NOW THEREFORE  THIS  AGREEMENT  WITNESSES  that in  consideration  of the mutual
covenants  and  agreements  herein  contained,  the  receipt  of which is hereby
acknowledged  by each of the parties  hereto,  the parties  hereto  covenant and
agree each with the other (the "AGREEMENT") as follows:
<PAGE>
1. REPRESENTATIONS AND WARRANTIES OF THE LENDER

1.1  The Lender  represents  and warrants to, and  covenants and agrees with the
     Company and the Pubco that:

     (a)  the Lender  makes the Loan to the Company and  acquires the Shares and
          Conversion  Right  (both  as  defined  herein)  in  reliance  upon the
          Exemption from registration provided by Section 4(2) of the Securities
          Act and Rule 903 of Regulation S of the Securities Act for the private
          offering of securities;

     (b)  the Lender is eligible to make the Loan to the Company and acquire the
          Shares and Conversion  Right in the Pubco under  Regulation S, and all
          statements  set forth in the  Declaration of Regulation S Eligibility,
          attached  hereto as 0, are true and  correct and may be relied upon by
          the Company; further, all information,  representations and warranties
          contained in this Agreement,  or that have been otherwise given to the
          Company,  are correct and complete as of the date  hereof,  and may be
          relied upon by the Company;

     (c)  the  Lender  is aware of the  significant  economic  and  other  risks
          involved in making the Loan to the Company and in acquiring the Shares
          and acquiring and/or exercising the Conversion Right;

     (d)  the Lender has  consulted  with its own  securities  advisor as to its
          eligibility  to acquire the Shares and  acquire  and/or  exercise  the
          Conversion  Right  under  the  laws  of  its  home   jurisdiction  and
          acknowledges  that  the  Company  has  made no  effort  and  takes  no
          responsibility  for  the  consequences  to the  Lender  as a  non-U.S.
          investor  acquiring  the Shares  and this  Conversion  right  and,  in
          particular, in purchasing U.S.-based securities upon exercise, if any,
          of the Conversion Right;

     (e)  no federal or state  agency has passed  upon,  or make any  finding or
          determination  as to the fairness of this  investment,  and that there
          have been no federal or state agency  recommendations  or endorsements
          of the investment made hereunder;

     (f)  the Lender acknowledges that:

          (i)  there are substantial restrictions on the sale or transferability
               of any Shares acquired upon exercise of the Conversion  Right and
               understands  that,  although the Company is a reporting  company,
               the Lender is,  upon  acquiring  the Shares upon  exercising  the
               Conversion Rights, and is purchasing unregistered securities;

          (ii) the Lender may not be able to liquidate  this  investment  in the
               event of any financial emergency and will be required to bear the
               economic risk of this investment for a lengthy or even indefinite
               period of time;

          (iii)the Company is not contractually  obligated to register under the
               Securities  Act  any  Shares  acquired  upon an  exercise  of the
               Conversion Right; and

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<PAGE>
          (iv) any Shares acquired by the Lender upon exercise of the Conversion
               Right  may  never  be  sold  or  otherwise   transferred  without
               registration  under the Securities  Act, unless an exemption from
               registration is available.

     (g)  the  Lender,  alone or with its  advisor,  has  enough  knowledge  and
          experience  in financial  and  business  matters to make it capable of
          evaluating the merits and risks of investing in the Company;

     (h)  the Lender  makes the Loan to the Company and  acquires the Shares and
          the Conversion  Right as principal for its own account and not for the
          benefit of any other person;

     (i)  the Lender  understands that any certificates  representing any Shares
          or any Shares  acquired by the Lender upon exercise of the  Conversion
          Right will have a resale  legend on them that will read  substantially
          as follows:

          THE  SECURITIES  REPRESENTED  HEREBY HAVE BEEN  OFFERED IN AN OFFSHORE
          TRANSACTION TO A PERSON WHO IS NOT A U.S.  PERSON (AS DEFINED  HEREIN)
          PURSUANT TO  REGULATION S UNDER THE UNITED  STATES  SECURITIES  ACT OF
          1933, AS AMENDED (THE "1933 ACT").

          NONE OF THE SECURITIES  REPRESENTED  HEREBY HAVE BEEN REGISTERED UNDER
          THE 1933  ACT,  OR ANY U.S.  STATE  SECURITIES  LAWS,  AND,  UNLESS SO
          REGISTERED, MAY NOT BE OFFERED OR SOLD, DIRECTLY OR INDIRECTLY, IN THE
          UNITED  STATES  (AS  DEFINED  HEREIN)  OR TO U.S.  PERSONS  EXCEPT  IN
          ACCORDANCE  WITH THE  PROVISIONS  OF  REGULATION S UNDER THE 1933 ACT,
          PURSUANT TO AN EFFECTIVE REGISTRATION STATEMENT UNDER THE 1933 ACT, OR
          PURSUANT TO AN  AVAILABLE  EXEMPTION  FROM,  OR IN A  TRANSACTION  NOT
          SUBJECT TO, THE REGISTRATION  REQUIREMENTS OF THE 1933 ACT AND IN EACH
          CASE ONLY IN ACCORDANCE  WITH  APPLICABLE  STATE  SECURITIES  LAWS. IN
          ADDITION,  HEDGING  TRANSACTIONS  INVOLVING THE  SECURITIES MAY NOT BE
          CONDUCTED  UNLESS IN COMPLIANCE WITH THE 1933 ACT. "UNITED STATES" AND
          "U.S. PERSON" ARE AS DEFINED BY REGULATION S UNDER THE 1933 ACT.

     (j)  the Lender has good and  sufficient  right and authority to enter into
          this Agreement and to carry out the transactions  contemplated by this
          Agreement on the terms and conditions contained herein.

1.2  The  representations,  warranties,  covenants and  agreements of and by the
     Lender contained in, or delivered pursuant to, this Agreement shall be true
     at and as of the  Effective  Date and shall remain in full force and effect
     throughout the term of this Agreement.

2.   THE LOAN AND CONDITIONS PRECEDENT

2.1  Subject to the terms of this Agreement, the Lender hereby agrees to loan to
     the  Company,  and the  Company  hereby  agrees to borrow  from the  Lender
     US$5,000.

2.2  Immediately  following the execution of this Agreement,  upon demand by the
     Company,  the Lender shall deliver to the Company the Loan amount certified

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<PAGE>
     cheque or money order made payable to the Company,  or by wire  transfer to
     the Company's bank account or to the Company's solicitors (the "ADVANCEMENT
     DATE").

2.3  The Loan shall not bear interest as long as an asset acquisition  agreement
     entered  into  by the  Company  and  the  Pubco  on the  same  date as this
     Convertible   Loan  agreement  (the  "Asset   Acquisition   Agreement")  is
     effective.

     (a)  If the parties close the Asset Acquisition Agreement, the Lender shall
          exercise its rights of Conversion in respect of the total  outstanding
          amount of the Loan into Shares of the Pubco (the  "CONVERSION  RIGHT")
          at $0.75 per share (the "CONVERSION  RATE").  Splits or consolidations
          of the Company's  common stock shall have no effect on the  Conversion
          Rate; or

     (b)  If the Asset  Acquisition  Agreement is not closed  within 6 months of
          the  Advancement  Date,  and if such  inability  to  close  the  Asset
          Acquisition  Agreement is not due to negligence,  inaction or omission
          of the Lender or Pubco, the loan shall bear interest of 10% per annum.

2.4  Unless  repaid  or  converted  earlier,  the Loan and  accrued  and  unpaid
     Interest  shall be payable in full by 5:00 p.m.  local time in the state of
     California,  two years from the Advancement Date (the "DUE DATE").  If such
     day falls on a Sunday or statutory holiday, then by 5:00 p.m. local time in
     Florida, on the first business day after the Due Date.

2.5  Within  ten (10) days of Notice by the  Lender  exercising  its  Conversion
     Rights  hereunder,  the Company  shall deliver a Share  Certificate  to the
     Lender representing the number of Shares acquired by the Lender pursuant to
     the Conversion Rate set out in subparagraph 2.6 of this Agreement.

3.   REGULATION S ELIGIBILITY

3.1  In order to ensure  eligibility  to receive  the  Shares,  the Lender  must
     provide the Declaration attached hereto as 0.

4.   COVENANTS AND AGREEMENTS OF THE LENDER

4.1  The Lender  covenants and agrees with the Company that the Lender shall not
     make  demand  for  payment  of the Loan  prior to the Due  Date,  except as
     otherwise  required  herein,  unless the Loan has become due and payable in
     accordance with the provisions of this Agreement.

5.   DEFAULT

5.1  If one or more of the following events shall occur, namely:

     (a)  the Company  fails to pay any Interest or  Principal  amounts when due
          and fails to repay the Loan on the Due Date;

     (b)  the Company  makes an  assignment  for the benefit of its creditors or
          files a petition in bankruptcy or is adjudicated insolvent or bankrupt
          or petitions or applies to any  tribunal  for any  receiver,  receiver
          manager, trustee,  liquidator or sequestrator of or for the Company or
          any of the  Company's  assets or  undertaking,  or the Company makes a

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<PAGE>
          proposal or compromise  with its creditors or if an  application  or a
          petition  similar  to any of the  foregoing  is made by a third  party
          creditor  and  such   application  or  petition  remains  unstayed  or
          undismissed for a period of thirty (30) days;

     (c)  an order of  execution  against any of the  Company's  assets  remains
          unsatisfied for a period of ten (10) days;

     (d)  the  Company  fails to observe  and  comply  with any  material  term,
          condition  or provision  of this  Agreement or any other  agreement or
          document delivered  hereunder,  and such failure continues  unremedied
          for a period of thirty (30) days;

     (e)  any representations,  warranties, covenants or agreements contained in
          this Agreement or any document  delivered to the Lender  hereunder are
          found to be untrue or incorrect as at the date thereof; or

     (f)  any  lender  (including  the  Lender)  of  any  mortgage,   charge  or
          encumbrance  on any of  the  Company's  assets  and  undertaking  does
          anything   to  enforce  or  realize  on  such   mortgage,   charge  or
          encumbrance;

          then the Loan and all  accrued  Interest  to the date of such  default
          shall, at the option of the Lender, immediately become due and payable
          without  presentment,  protest or notice of any kind, all of which are
          waived by the Company.

6.   GENERAL

6.1  For the purposes of this Agreement, time is of the essence.

6.2  The parties hereto shall execute and deliver all such further documents and
     instruments  and do all such acts and things as may either  before or after
     the  execution of this  Agreement be  reasonably  required to carry out the
     full intent and meaning of this Agreement.

6.3  This Agreement  shall be construed in accordance with the laws of the State
     of California.

6.4  This Agreement may be assigned by the Lender subject to any assignee making
     requisite  representations  to meet  applicable  securities law exemptions;
     this Agreement may not be assigned by the Company.

6.5  This Agreement may be signed by the parties in as many  counterparts as may
     be  deemed  necessary,  each of which so  signed  shall be  deemed to be an
     original,  and all such counterparts  together shall constitute one and the
     same instrument.

6.6  All notices,  requests,  demands or other communications hereunder shall be
     in  writing  and shall be "deemed  delivered"  to a party on the date it is
     hand  delivered to such party's  address  first above  written,  or to such
     other address as may be given in writing by the parties hereto.

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<PAGE>
IN WITNESS WHEREOF the parties have hereunto set their hands effective as of the
date first above written.

PFN HOLDINGS


Per: /s/ Marc Lasky
    -------------------------------
    Authorized Signatory

RIGHT POWER SERVICES LTD.


Per: /s/ Alice Tse
    -------------------------------
    Authorized Signatory

WEB WIZARD, INC.


Per: /s/ Ya Tang Chao
    -------------------------------
    Authorized Signatory

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<PAGE>
                                   SCHEDULE A

                     DECLARATION OF REGULATION S ELIGIBILITY

Regulation S of the Securities Act is available for the use of non-U.S.  Persons
only. This Declaration must be answered fully and returned to WEB WIZARD,  INC.,
with your  subscription  agreement  to ensure  the  Company  and the Pubco is in
compliance  with  the  Securities  Act.  All  information  will  be  held in the
strictest  confidence and used only to determine investor status. No information
will be disclosed  other than as required by law or regulation,  other demand by
proper legal process or in litigation  involving the company or its  affiliates,
controlling persons,  officers,  directors,  partners,  employees,  attorneys or
agents.

I, _________________________________, HEREBY AFFIRM AND DECLARE THAT:

1.   I am not a resident of the United States of America.

2.   I am not purchasing  securities for the benefit of a resident of the United
     States of America.

3.   I am not purchasing securities in the name of a company incorporated in the
     United  States of America or for the benefit of a company  incorporated  in
     the United States of America.

4.   I am not  purchasing  securities in my capacity as Trustee for a U.S.-based
     Trust.

5.   I  am  not  purchasing  securities  in  my  capacity  as  the  Executor  or
     Administrator of the Estate of a U.S. resident.

6.   I am not a U.S. resident purchasing  securities through a brokerage account
     located outside of the United States of America,  nor am I using a non-U.S.
     brokerage account to purchase  securities for the benefit of individuals or
     corporate entities resident within the United States of America.

7.   I am not  purchasing the securities in an attempt to create or manipulate a
     U.S. market.

8.   I am purchasing the securities as an investment and not with a view towards
     resale.

9.   I will only resell the securities to other non-U.S. residents in accordance
     with Rule 905 of Regulation S, or to U.S.  residents in accordance with the
     provisions of Rule 144  following the  expiration of one year from the date
     of acquiring the securities.

10.  I am  permitted  to  purchase  the  securities  under  the  laws of my home
     jurisdiction.

11.  I understand that if I knowingly and willingly make false  statements as to
     my eligibility to purchase or resell  securities  under Regulation S, I may
     become subject to civil and criminal  proceedings being taken against me by
     the United States Securities and Exchange Commission.


                                              ----------------------------------
DATED: ____________, 20____                   Signature

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                                              Print Name

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