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The All-New 4Life Visa Prepaid Card

® ®

Beginning April 15, 2010, all qualifying 4Life distributors in the United States and Puerto Rico will receive a major enhancement relating to the payment of bonuses and commissions. Distributors in these markets will no longer receive checks for commissions and bonuses; rather, these funds will be deposited directly into a personalized 4Life Visa prepaid card account provided by Citi®.

· ThisVisaprepaidcardisnotacreditcardandrequires nocreditcheckorbankaccount. · YoucanmakepurchasesanywhereVisadebit cardsareaccepted,transferfundstoyourexisting bankaccount,andwithdrawcashfromATMsworldwide.* · The4LifeVisaprepaidcardispermanent.Allfuture 4Lifepaymentswillbedepositedtoyourcardaccount, sokeepyourcardinasafeandaccessibleplace. · Toensurethatyoureceiveyourcard, pleaseupdateyourcontactinformationwith4Life immediately.See"ReceivingYourCard"formoredetails.

T h E 4 L i F E V i s A P r E PA i d C A r d h E L P s y o u b u i L d y o u r b u s i n E s s

Enjoy quick access to your funds

Protect your earnings from fraud

· Immediatelyaccessyourfundsonthedayofdeposit. · UseyourcardeverywherethatVisadebitcardsareaccepted. · Shoponline,paybills,andwithdrawcashfrommorethan onemillionATMsworldwide.

Take charge of your business finances

· It'ssaferthancarryingcash. · Visa'sZeroLiabilitypolicyprotectsyourearningsfromfraud.

Carry your 4Life business with you everywhere you go

· Trackandmanageyourbusinesscashflowwithfreeonlinereports. · Therearenobankaccounts,creditchecks,orcheckcashingfees. · Enjoye-mailoron-demandtextalerts,soyou'llalwaysknowwhena commissionpaymenthasbeenmadetoyouraccount.**

· Yourcardispersonalizedwithyournameand 4LifedistributorIDnumber. · Showtheworldyou'reaseriousbusinessbuilderwhenyoupay forabusinesslunchwithanewprospect. · Startaconversationaboutthe4Lifeopportunityeverytimeyou makeapurchase.

F r E q u E n T L y A s k E d q u E s T i o n s A b o u T T h E 4 L i F E ® V i s A ® P r E PA i d C A r d

receiving your Card

How do I qualify for a 4Life Visa prepaid card? Youqualifyforyour4LifeVisaprepaidcardthesamewayyouqualify toreceivea4Lifebonuscheck--bybuildingyourbusinessandqualifying forbonusesandcommissions. When will I receive my card? Youwillreceiveyourcardthefirsttimeyouqualifyforabonusor commissionpayment.Citi®willsendyouane-mailtoletyou knowthatyourcardhasbeencreatedandfunded.

I qualified for a monthly bonus check in April. When will I receive my 4Life Visa prepaid card? DistributorswhoqualifytoreceiveamonthlybonuscheckonApril15 willreceivetheir4LifeVisaprepaidcardbetweenApril13andApril21. FundswillbedepositedintoyourcardaccountonApril16.Citiwille-mail youtoletyouknowthatyourcardhasbeencreatedandfunded. How can I access my Bonus Recap report? Logintoyour4LifeOfficeandclickon"eTools."Clickon"Reports." Locate"BonusRecap"andselect"ViewReport."

How will I receive my card? Wewillsendittoyourcurrentbillingaddressonfile.Pleasemakesure thatwehaveyourcorrectcontactinformationonfilesothatyoureceive yourcardassoonaspossible.Logintoyour4LifeOfficetodayat www.4life.com/bc/tools/accountmanagement/default.aspxtoupdate yourmailingaddressandothercontactinformation.OnyourAccount Managementpage,clickon"AddressSettings"andchecktomakesure thatyourbillingaddressiscorrect.Ifyouneedtomakeachange,clickon "Edit"andupdateyourinformation.

How can I access my funds? Youhaveseveraloptionsforaccessingyourfunds.Youcanmakepurchases anywhereVisadebitcardsareaccepted,transferfundstoyourexisting bankaccount,andwithdrawcashfromATMsworldwide.*Althoughyour cardsays"debit"onit,youmustselect"credit"whenyouuseit. Will I receive a new card every time I qualify for 4Life bonuses and commissions? Youwillonlyreceiveonecard,inconjunctionwithyourfirstpayment. Subsequentpaymentswillbemadedirectlytoyourcardaccount. Pleasekeepyourcardinasafeplace.

What should I do once I receive my card packet? Thepacketwillincludeyournewactivatedcard,aswellasdirectionson howtosetyourATMPINandtheavailablebalanceonthecard.Youshould Can I use my 4Life Visa prepaid card to pay for gas at the pump? Unfortunately,becauseofregulationswiththepre-authorizationprocess, registeryournewcardandupdateyouraccountinformationatprepaid.citi. payingatthepumpwithyourcardisnotanoption.However,youare com/4Life.Haveyour4LifeVisaprepaidcardaccountnumberready! welcometouseyourcardtopayforgasinsidetheservicestation. What if I have questions about my card? How can I check my balance? Ifyouhaveanyquestionsaboutyour4LifeVisaprepaidcardaccount, Youcancheckyourbalancebyloggingintoprepaid.citi.com/4Lifeorby contactCitiat1­800­422­1992.Theyoffertoll-free24/7customer textingBALto445544.Inordertoreceivetextmessagesfrom4Lifeand supportinEnglish,Spanish,andFrench.Youcanalsoe-mail Citi,youmusthaveacellphonenumberonfile.**YoucanalsocallCiti [email protected] customerserviceat1­800­422­1992. What should I do if I don't receive my card? How much cash can I withdraw per day? ContactCitiat1­800­422­1992.Theyoffertoll-free24/7customer Thereisa$400dailycashwithdrawallimitanda$3000perpurchase supportinEnglish,Spanish,andFrench.Youcanalsoe-mail limit(authorizationsarerestrictedbasedonavailablebalance). [email protected]

using your Card

On what days of the month should I expect to receive payment? Youcangenerallyexpecttoreceivepaymenttoyour4LifeVisaprepaid cardaccountonthefollowingdaysofthemonth.Ifthepaymentdate fallsonaholidayoraweekend,paymentwillbemadethefollowing businessday. Rapid Rewards:6thdayofthemonth Power Pool:11thdayofthemonth Monthly bonuses and commissions:16thdayofthemonth Rapid Rewards:21stdayofthemonth

Formoredetailedinformationaboutyour4LifeVisaprepaidcardaccount, pleasevisitCiti'sFrequentlyAskedQuestionspageat www.4life.com/4lifeprepaid.

**Standardmessagingratesapplyforon-demandtextalerts.Inordertoreceivetext messagesfrom4LifeandCiti,youmusthaveacellphonenumberonfile. TheVisaZeroLiabilitypolicycoversU.S.-issuedcardsonlyanddoesnotapplyto ATMtransactions,PINtransactionsnotprocessedbyVisa,orcertaincommercial cardtransactions.Cardholdermustnotifyissuerpromptlyofanyunauthorizeduse. CardsareissuedbyCiti,N.A.pursuanttoalicensefromVisaU.S.A.Inc.andmanagedby CitiPrepaidServices.ThiscardcanbeusedeverywhereVisadebitcardsareaccepted.

*summary of Fees

Description Fee PurchasesintheU.S.andPuertoRicomadewithyourcard.......................................................................................................................................... NoCharge BankTransferFee.................................................................................................................................................................................................. $0.35pertransaction DomesticATMWithdrawalFee(additionalfeesmayapplyatnon-CitiATMs)................................................................................................................... $1.50pertransaction InternationalATMWithdrawalFee(additionalfeesmayapplyatnon-CitiATMs).............................................................................................................. $3.50pertransaction SecondaryAccountholderCardFee........................................................................................................................................................................... $6.95percard InternationalTransactionFee§.................................................................................................................................................................................. 3% AccountMaintenanceFee:Nofeeforthefirstsixmonths.Thereafter,a$3.00monthlyfeewillONLYbeassessedif: 1)TherehavebeenNOfundsaddedtoyouraccountinthelastthreemonths,AND2)TherehavebeenNOpurchasesmadewithyouraccountinthelastthreemonths. InternationalTransactionFee:A3%feewillbeappliedtoalltransactionsmadeoutsidetheUnitedStatesandPuertoRico.Thisfeeisincludedinthetotalamountofthesettled transaction.SeetheTermsofUseforadditionalinformationregardingforeigntransactions. Consultissuerforadditionaldetailsorvisitwww.visa.com/security.

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Citi® Prepaid Services

Frequently Asked Questions

ATM Plus Debit. ABOUT YOUR CARD 1. Where can I use this card? You can use your card to purchase goods and services at any merchant that accepts signature® based Visa debit cards. 2. Why is the word "Debit" on the front of my card? In response to Visa regulations, issuers are required to label non-credit products with the term "Debit" after January 1, 2004. Although your card may have the word debit on it, please remember to select "Credit" and sign for purchases at the point of sale in order to indicate you authorize your transaction. 3. Where can I withdraw cash? You can use your card to withdraw cash from any ATM that bears the Visa logo. Please note that there will be a service fee for a withdrawal. There is an ATM withdrawal fee of $1.50 per domestic transaction and $3.50 for each international transaction. Additional fees may apply at nonCitibank ATMs. This fee, along with any other fees assessed by the ATM machine associated with your ATM transaction, is automatically deducted from your balance. To find the nearest Citibank ATM, visit www.prepaid.citi.com/4Life and click "Access $." For a complete list of fees associated with your card, please refer to the Disclosures and Fees table below. 4. What are the fees associated with my card? For a complete list of fees associated with your card, please refer to the Disclosures and Fees table below. 5. Can I have an account that has a billing address outside of the United States? No, not at this time. 6. What is an "Account Maintenance" fee? Your account may be subject to a monthly "Account Maintenance Fee" if it is inactive. An inactive account is defined as an account that meets all three of the following criteria: (1) Your account has been open for at least six months; (2) you have not added funds or received a payment; and (3) you have not made a transaction that resulted in journal activity with the account in a 90-day period. Please see the Disclosures and Fees table below for more details. 7. How is my card different than a credit card? A credit card gives you a line of credit, which you have to pay back. Conversely, this card is a debit card that is pre-loaded with your money. You can spend or withdraw the funds as you see fit, but you can't spend more than your current available card balance. Your card does not require a credit check and will not affect your credit history. 8. Will I receive a separate billing statement for my card? All transactions that you make with your card are available online. When you want to view your transaction activity, simply log in to your account on the website (www.prepaid.citi.com/4Life). If

© 2009 Citibank N.A. All rights reserved. Citi and Citi and Arc Design are trademarks and service marks of Citigroup Inc. or its affiliates and are used and registered throughout the world.

Citi® Prepaid Services

Frequently Asked Questions

ATM Plus Debit. you are not able to access your statement online, please contact Citi Prepaid Customer Service at 800­422­1992 to find out if other statement options are available for your card. MANAGING YOUR CARD 1. How do I activate my card? You do not need to activate your card; it is ready to use when you receive it in the mail. If you would like to activate ATM functionality, please call the number on the sticker on your card to set your PIN. 2. How do I view my card activity online? Viewing your card activity online is simple: 1. Visit the website address printed on the back of your card (www.prepaid.citi.com/4Life). 2. Register at the site by providing a username and password. 3. Click on the "My Account" icon at the top of your screen. Your card activity will be listed for your review. 4. What should I do if my card is lost or stolen? Call Citi Prepaid Customer Service at 877­855­7201 immediately to report a lost or stolen card, and to order a replacement card. If you report the lost or stolen card in a timely manner, you may not be responsible for any unauthorized charges per the Terms and Conditions. 5. How do I change my address? If you have moved, or there's an error with your card billing address, please update your information in your Account Profile on the Citi prepaid website, www.prepaid.citi.com/4Life. (The address is also found on the back of your card.) If you need assistance updating your account information, please contact Citi Prepaid Customer Service at 800­422­1992. Also note that updating your address with Citi Prepaid does not automatically update your address with 4Life. Please call 4Life Distributor Services at 888­454­3374 to update your address as well. 6. Does my card ever expire? Yes. You can find the expiration date on the front of your card. If your card is about to expire, you can obtain a new card (with an extended expiration period) by calling the Citi Prepaid Customer Service number on the back of your card. SHOPPING WITH YOUR CARD 1. Can I use my card to purchase goods and services? You can use your card to purchase goods and services at any merchant that accepts Visa. To complete a transaction, select "Credit" as your payment option to indicate you will sign to authorize your transaction. If the funds are available in your account, the purchase will be approved.

© 2009 Citibank N.A. All rights reserved. Citi and Citi and Arc Design are trademarks and service marks of Citigroup Inc. or its affiliates and are used and registered throughout the world.

Citi® Prepaid Services

Frequently Asked Questions

ATM Plus Debit. 2. How do I use my card at self-swipe merchant locations? At certain merchant locations (example: grocery stores), the merchant may require that you swipe your card yourself. On these occasions, make sure that you choose "Credit" as the payment option. Even though your card is a signature-based debit card, the processing network requires you to select "Credit." 3. Why does my card not work when I try to pay at the pump? To protect cardholders, we have disabled all cards at self-service pay-at-the-pump gas stations. Please note that while you can't pay at the pump, you can still use your card at these locations by asking the attendant to process your card. 4. How do I shop online using my card? Shopping online is easy. Just follow these simple steps: (1) Select the items you want to buy. (2) Proceed to "check out." (3) Select Visa as your payment option. (4) Enter your 16-digit card number, the 3-digit Security Code (the last three digits printed in the signature panel on the back of your card), and your expiration date. (5) Enter the billing address that is associated with your card. 5. When shopping online, can I split a payment between my card and a credit card? You may "split" payments if the specific online merchant permits it. Please note, however, that most online stores only accept one credit or debit/check card for payment. And since your card is processed like a Visa transaction, you likely won't be able to enter more than one card type to complete the transaction. 6. Can I spend more than my available balance? No. You will not be able to spend more than your available balance. The merchant will decline your transaction. 7. What if the amount of my purchase is more than my available balance? In this case, your purchase will be declined. 8. Why did my balance only decrease by $1 after I made a purchase at a merchant? Often, online merchants do not immediately charge customers for the full amount of the purchase. Many will "authorize" (temporarily deduct) $1 from your balance for verification purposes. This is a routine practice that affects all standard credit and debit card users. In most cases, merchants who operate in this manner will debit your balance for the full amount of the purchase and return the "authorized" $1 to your balance. The merchant may take up to 30 days to return these funds to your account. 9. What if a transaction is not approved by an online store? In the unlikely event that your transaction is declined by an online store, please make sure that you have done the following: · Verified that the merchant accepts signature-based debit cards · Chosen "credit card" as the payment method · Selected "Visa"

© 2009 Citibank N.A. All rights reserved. Citi and Citi and Arc Design are trademarks and service marks of Citigroup Inc. or its affiliates and are used and registered throughout the world.

Citi® Prepaid Services

Frequently Asked Questions

ATM Plus Debit. · Correctly entered your 16-digit card number · Correctly entered your 3-digit Security Code (if required) · Correctly entered your expiration date · Correctly entered your name (as it appears on your card) · Correctly entered your billing address (same address on file for your account) · Not generated a purchase amount that is greater than your available balance If these tips do not resolve your issue, please contact Citi Prepaid Customer Service at 800­422­ 1992 by using the number printed on the back of your card. WITHDRAWING MONEY 1. Which ATMs can I use to access my funds? Please note that there will be a service fee for a withdrawal. There is an ATM withdrawal fee of $1.50 per domestic transaction and $3.50 for each international transaction. Additional fees may apply at non-Citibank ATMs. This fee, along with any other fees assessed by the ATM machine associated with your ATM transaction, is automatically deducted from your balance. To find the nearest Citibank ATM, visit www.prepaid.citi.com/4Life and click "Access $." For a complete list of fees associated with your card, please refer to the Disclosures and Fees table below. 2. How much money can I withdraw from my card at an ATM on a daily basis? You can withdraw up to $400 per day, with a minimum withdrawal amount of $10. If your daily cash requirements are greater than these limits, contact our Customer Service team for adjustments. Please note, however, that certain ATMs have machine-imposed limits that may not allow you to withdraw the maximum daily amount. 3. How do I check my available balance? You can check your available balance online by texting BAL to 445544 or by calling Citi Prepaid Customer Service at 800­422­1992. In order to receive text messages from 4Life and Citi, you must have a cell phone number on file. 4. What buttons do I push to withdraw cash at an ATM? To withdraw cash from an ATM, select the "withdraw from Credit" option. Even though your card is not a credit card, the ATM processing network requires you to select "Credit." 5. Can I deposit money onto my card at an ATM? No. You cannot deposit money onto your card at an ATM. SECURITY AND PRIVACY 1. How do I know my personal and card information is secure? All transactions with us take place on a secure server, and all of your personal and card information is encrypted using a Secure Socket Layer (SSL). We encourage you to carefully review our Privacy and Security Policies if you have further questions about these matters. 2. Will you divulge my personal information to anyone?

© 2009 Citibank N.A. All rights reserved. Citi and Citi and Arc Design are trademarks and service marks of Citigroup Inc. or its affiliates and are used and registered throughout the world.

Citi® Prepaid Services

Frequently Asked Questions

ATM Plus Debit. No. Citi Prepaid Services will not divulge your e-mail address or other personal information to any third party without your authorization. Upon registering your account on the website, you can choose whether or not you want to receive communications from us or our partners. Please read our Privacy and Security Policies for more details. Disclosures and Fees

Description Fee 1 Account Maintenance Fee (if applicable) $3.00 per month 2 Over-Limit Fee $15.00 per incident Domestic ATM Withdrawal Fee $1.50 per transaction International ATM Withdrawal Fee $3.50 per transaction ACH Withdrawal Fee (if applicable) $0.35 per transaction Plastic Replacement Fee (first replacement free) $6.95 per request Secondary Accountholder Plastic Fee (if applicable) $6.95 per request 3 International Transaction Fee 3.00% 1 Account Maintenance Fee: Subject to applicable law, a monthly maintenance fee will be applied to all accounts, provided that the fee for months 1-6 will not be collected until the six month anniversary date. Fees thereafter will be collected monthly. Fees will be postponed if either of the following criteria [are/is] met: 1) There have been funds added to your account in last three months; 2) There have been purchases made with your account in last three months. The charge will be recurring each month unless the account is active as stated in (1) or (2) above or the balance of the account is $0.00. 2 Over-Limit Fee: At the discretion of Citi Prepaid Services, a fee can be applied to the account if the total balance is less than $0.00. Citi Prepaid Services reserves the right to collect the fee against the funding source of the account or initiate collection activity directly with the customer. 3 International Transaction Fee: A 3% fee will be applied to all transactions made outside the United States. This fee is included in the total amount of the settled transaction. See the Terms of Use for additional information regarding Foreign Transactions.

© 2009 Citibank N.A. All rights reserved. Citi and Citi and Arc Design are trademarks and service marks of Citigroup Inc. or its affiliates and are used and registered throughout the world.

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