KARATBARS MASTERCARD DEBIT CARD

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1 KARATBARS MASTERCARD DEBIT CARD This update is effective May 6, 2015 and after You can order your Karatbars Mastercard Debit Card NOW (asap). Just login at and under Product Purchase click the link for Mastercard. IF it is not there, it s most likely already been ordered for you. If you do not order it yourself, as soon as you earn 35 Euros, Karatbars will order your Mastercard Debit Card for you. Give it 3-4 weeks for delivery to your address on file. HOW TO ACTIVATE YOUR CARD STEP 1: Log in at Under the "Commission" tab, click "Card Login" and type in the last 6 digits of the credit card number. (You do not login to PFS.) You may try to enter the digits 3 times and if the numbers to do not match the numbers in our system, the card will be blocked until validated by our staff. In this case you are advised to send an to debitcard@karatbars.com for staff review. (This is ONLY for blocked card review and not for PFS card services.) With a successful match, you will receive any pending commission due on the FIRST Friday following back office activation, meaning the previous security time buffer of 2 weeks before the first commission payout no longer applies. Please note: No monies will be transferred to the card until it is activated via the Karatbars back office. You must still activate your card with PFS and receive your PIN number from the telephone service.

2 STEP 2: Call the activation number Select option 1 Enter your 16 digit card number Enter your date of birth - MMDDYY (in that order) After a long pause, hear your card is activated Press "1" to hear your PIN and WRITE IT DOWN and SAVE IT!!! Press "1" again to hear your PIN again Done! Badda-BOOM-Badda-BING! That's it. Step by step. The card is Gorgeous in black and gold with the company logo, gold, and the by-line of "The Future is Now" Now, the way it normally works, is that 7 days after the next Friday, all income that is in pending should be added to your Karatbars Mastercard Debit Card. You can monitor this by logging in to your Karatbars back office Card Login above. HOW WE RECOMMEND YOU USE YOUR CARD We do NOT recommend using your Karatbars Mastercard like one of your other credit cards or debit cards (buying gasoline, donuts, coffee, etc.) The reason is that there is a FEE charged to your account every time you use the card. Also, for security reasons you cannot use your Mastercard online or at any purchase where you do not physically show the mastercard. We DO RECOMMEND that you use your Karatbars Mastercard in one of the following 2 ways:

3 1. ATM Check with your bank on what FEES your Bank charges to withdraw cash from their ATM. Also ask your Bank what the daily limit of cash you can withdraw. I do NOT recommend ever using your Karatbar Mastercard at an ATM, because I have several friend s who have had their bank s ATM eat their credit card or debit card issued from their bank. If this happens the bank will not open it and retrieve it and you will have to order a replacement. The fees for using an ATM are the same as a Cash Advance plus the additional ATM fee the bank charges. 2. CASH ADVANCE (THIS IS OUR PREFERRED METHOD and THE ONLY WAY I HAVE EVER USED MY MASTERCARD - Michael) your local bank or credit union does not charge for this service, but the ECB (European Central Bank) does get a very small percentage whenever money is converted from Euro (which is how you re paid on your Karatbars Mastercard) into any other currency (like US dollars). 3. Karatbars Mastercard has a 1.5 Euro (about $2) monthly fee (one of the lowest in the world). 4. Karatbars International, by default, pays you via this Mastercard. 5. For your Karatbars Mastercard Transaction History, login at and under Commissions click Card Login there click the link for your card, enter your card # and pin, then on the left View Transaction History

4 6. IF you ever move, make sure you PrePaidFinancialServices and notify them that you moved. They will reply with the information they need from you to prove you are this person, and they will update your address for you. This is important, because when your Karatbars Mastercard eventually expires, you want the new card to be mailed to your NEW address for more information WHAT SUCCESSFUL BUSINESS PEOPLE DO WHEN PAID A. First, if you ve only (or mostly) worked a job in life, then most likely when you get paid you pay yourself first and spend your paycheck on the items you want or feel are important. B. BUT a successful businessman does this with his income: (1) SAVE the money in a SEPARATE bank account!!! (2) Next, pay business expenses first (leads, ads, etc.) (3) Next, pay personal expenses (rent, utilities, etc.) (4) With what s left over, pay YOUR SALARY LAST C. SUCCESS TIP Your biggest business expense that you should be concerned with is your Biz Package UPGRADE until you are a VIP (or at least at the GOLD level). This is because your Biz Package level determines how high your

5 income is for doing the exact same work. Remember, you will ONLY be paid at the level you are, and when you upgrade ONLY the new business will be paid at the higher level.