Unicity International, Inc.

Your Unicity Awards VISA Prepaid Card Usage Guide

2010 Unicity International, Inc. All Rights Reserved

2010

Your Unicity Awards Visa Prepaid Card Usage Guide Table of Contents
Step 1: Sign Up Process ....................................................................................................................................................... 3

Step 2: Receiving and Registering Your Card ...................................................................................................................... 5

Registering your Card .......................................................................................................................................................... 6

Step 3: Getting Paid ............................................................................................................................................................ 9

Step 4: Accessing Your Account ........................................................................................................................................ 10

Card Usage & Limits .......................................................................................................................................................... 11

Pricing & Fees.................................................................................................................................................................... 12

Frequently Asked Questions ............................................................................................................................................. 13

Managing Your Card.......................................................................................................................................................... 13

Shopping With Your Card .................................................................................................................................................. 14

Unicity Specific FAQ .......................................................................................................................................................... 17

Contact Us/Customer Support .......................................................................................................................................... 18

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Step 1: Sign Up Process

Signing up is easy for existing Franchise Owners! Step 1: Simply go to the Unicity website and click the Login link

Step 2: Login in to Franchise Office

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Step 3: Click on the Unicity Awards Prepaid Visa Card on the left lower navigation of Franchise Office or the Unicity Awards Visa Prepaid Card thumbnail.

Step 4: All existing Franchisees must confirm their contact information and agree to the Citi Visa Prepaid Card Terms and Conditions and click the button to submit the Registration

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Step 2: Receiving and Registering Your Card

You will receive an email notification that your Card is on its way.

Dear [Name],

You will receive your card approximately 7 to 10 days after receiving your confirmation email. When your card arrives, you will want to register your account and obtain a PIN. You will be able to view your account balance and check the details of your payment(s) online. You need to have your card in hand to be able to set up a PIN.

We're pleased to introduce you to an exciting new program: The Unicity Awards Visa(R) Prepaid Card; the fastest, most flexible way to receive and access your Unicity earnings. Here's how it works: You will receive your Unicity Awards Card within the next 7 to 10 business days. All of your future earnings will be electronically directed to your new card. Once you receive your earnings, you can use your Visa prepaid card as you see fit, up to your available balance. When your card arrives, you can view your account balance and check the details of your payment(s) online. Simply refer to the website listed on the back of your card and follow these steps to register your account: 1. Enter the card number, CVV/security code and zip code that appear on the letter that comes with your card. 2. Select a username and password and confirm that your profile information is accurate. 3. Submit your changes before visiting the "My Account" area of the site where you may track your future earnings and transaction information. Your card is good everywhere Visa debit cards are accepted worldwide, plus you'll have instant cash access at any ATM that bears the Citibank, Visa or PLUS(R) logos. You can also get real-time access to your account information online (including balances, transaction history and payment details). And, you can get help 24 hours a day, 7 days a week, via the phone and online. Your card is being mailed to you at the following address: [Street address] [Suite or Apartment Number] [City, State Zip Code] If you have any questions regarding your card or if the address listed above is incorrect, please call 800422-1992, or send an email to help@citipreapid.com. In the meantime, please look for your card in the mail.

Sincerely, Unicity International

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Registering your Card

Step 1: Go to
www.prepaid.citi.com/unicity

and login to your Citi Prepaid Unicity website.

Step 2: Enter the card number and CVV/security code that appears on your card carrier.

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Step 3: Enter your postal zip code for verification

Step 4: Create a username and password and confirm that your contact information is accurate. Submit your changes before visiting the my Account area of the site where you may track your future earning and transaction information.

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Step 5: Confirm & Submit Your Information

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Step 3: Getting Paid

Once Unicity sends a payment to your account, you will receive an email notifying you that your card has been loaded.

Dear [Name],

One payment(s), totaling *$s+, has been deposited to your Unicity Awards Visa Prepaid Card. These funds have been added to your card account and are immediately available for use. To view your account balance, please visit the website listed on the back of your card and enter your username and password. Your balance and transaction history are available 24/7 in the 'My Account' area of the site. 1. Visit prepaid www.citi.com/unicity 2. Log into your card account 3. Visit the "My Account" area of the site If you have any questions, please call 800-422-1992, or send an email to help@citiprepaid.com.

Sincerely, Unicity International

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Step 4: Accessing Your Account

CHECK BALANCE ONLINE To check your balance and transactions online 24/7 got to www.prepaid.citi.com/unicity and sign in with the username and password that you selected when registering for your PIN. You can also check your available balance by texting BAL to 445544 or by calling Citi Prepaid Customer Service at 1-800-422-1992.

View Transactions

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Card Usage & Limits

The Unicity Awards Visa Prepaid Card works just like a debit card. The card is accepted at all locations worldwide, where Debit Visa is accepted. You can use it at a point of sale location to make purchases and at an ATM*that bear the Visa Logo, to withdraw cash. With the added security of choosing your own PIN, you can be assured of no unauthorized use of your card. The daily limit for ATM withdrawals IS $400. Withdrawal limits may also be restricted by the local ATM acquirer, and they could be lower than the daily limit stated here. The daily limit for POS transactions and the daily total card usage is $3,000. There is no maximum loading limit.

When youre finished checking your balance, you can then have the option to got to the Shop page which will take you right to your login page to Franchise Office where you can begin shopping.

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Pricing & Fees

Item Card Card activation Loading Payments Monthly account maintenance Over- Limit Fee Card replacement

Price (USD)

Unit

How Applied

FREE $1.00 $3.00 $15.00 $6.95

First Card Per load Monthly Per Incident Per Card Per Request Each time card is loaded. For month 6+ if inactive Deducted from next posting One time fee when issuing a replacement card When an additional card is requested for a co-applicant

Secondary Accountholder $6.95 Card Fee ATM Cash Withdrawals or Transactions ATM withdrawal U.S. ATM withdrawal outside U.S. ACH Withdrawal Purchase Transaction $1.50 $3.50 * 1.50 Free *

Per Trx Per Trx Per Trx Per Trx Of purchase

When withdrawal is requested When withdrawal is requested When withdrawal is requested When card is used for purchases

When card is used for purchase outside of the US * When a Purchase Transaction or ATM Withdrawal is requested outside of the U.S., a currency conversion fee is assessed based on current market rates. International Transaction 3%

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Frequently Asked Questions

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 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/unicity 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 cant 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/unicity). If 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.

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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/unicity). 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. 3. 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.

4. How do I change my address? If you have moved, or theres an error with your card billing address, please update your information in your Account Profile on the Citi prepaid website, www.prepaid.citi.com/unicity. (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 Unicity. If you need to update your address with Unicity as well, please login to your Franchise Office and update your person contact information located under My Account. 5. 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, and you will be reissued a th new card on the 15 of the month your card is set to expire. * Please note that you must meet certain criteria in order to obtain a new 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. 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 cant 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.

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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 wont 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 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 8004221992 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/unicity 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 Citi Prepaid Customer Service Team, 800-422-1992, 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 Unicity and Citi, you must have a cell phone number on file.

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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? 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.

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Unicity Specific FAQ

1. How long will it take to receive my card? After registering for your card online, you should receive the card in the mail within 7-10 business days. 2. When will my payments be loaded on the card? This will depend on what type of payment. Weekly Pay will be based on activity Sunday at midnight Sunday at midnight and the earnings will be funded the following Thursday. Commissions along with Team Builder Bonuses will be funded on the 15th of the following month. Presidential Bonuses will be funded on the 20th of the following month. 3. What earnings will be paid weekly on the weekly pay program? The first level Fast Start Bonus will be paid on a weekly basis: Associate Rank: 20% Jr. Manager Rank: 20% Manager Rank: 30% Sr. Manager Rank: 30% Director and Above: 30%

4. Can I still receive a printed Commission Summary? Yes. However, there will be a charge of $10 for your commission summary to be printed and mailed to you. You can call Unicity customer service at 1-800-UNICITY to place your request. Your Commission summary is always available online through Franchise Office at no cost. We suggest that you print a copy of your commission summary monthly for your records and easy reference. 5. How much will I be charged to have money loaded on the card? There is only a $1 load fee for each payment that is placed on the card. 6. What is the minimum amount that will be loaded on a card? The minimum amount that will be loaded on the card is $10. If you receive less than $10 then the amount will be placed as a credit on your account

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Contact Us/Customer Support

Lost/Stolen Card: Call Citi Prepaid Services at1.877.855.7201 Card order questions, Check card order status, Customer Support questions: Within the United States: 1-800-422-1992 24/7 Email Citi Prepaid Services at http://www.prepaid.citi.com/unicity Citi Bank Services also offer online assistance at www.help@citiprepaid.com

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