EM-Pay offers an IPC Shopping Privilege Card in which you can use with IPC 
participating merchants to purchase and get rebate on products and services 
which you will need monthly, if not daily, such as food, shelter, health 
supplements, recreation, utilities.  Em-pay launched in Malaysia just 7 months 
ago. Now open up to another 13 countries. When EM-Pay hit the rest of the 
world, the potential is limitless. So be the first to join. 
  
 Basic Membership 
 1 Unit - RM168 one time payment. 
 Return On Investment RM 131,068 to RM 262,136 from Plan B
 Earn from Plan A, B and D 
 
 Platinum Membership 
 3 Units –RM504 one time payment. 
 Return On Investment RM524,272 to RM786,408 from Plan B
 Earn from Plan A, B, C and D 
 
 7 Units –RM1,176 one time payment. 
 Return Of Investment RM 1,310,680 to RM1,834,952 from Plan B
 Earn from Plan A, B, C and D 
 
 
  15 Units –RM2,520 one time payment. 
 Return Of Investment RM 2,883,496 to RM3,932,040 from Plan B
 Earn from Plan A, B, C and D
  
 Plan A - (Active Income) Introduce IPC Shopping Services to your friends. 
 * Earn 15 EP(1 EP = RM1) per unit for direct referral bonus 
 * Earn 10 EP per pairing bonus 
 All units are placed in a 2 x infinity matrix, so you can only have 2 units on 
your level 1, 4 units on level 2, etc. So if you have 3 units, unit2 will be 
placed below unit1 left while unit3 will be below unit1 right as follows - 
 ...... unit1 
 
 unit2.........unit3 
 So if you buy 3 units, you have 1 pairing bonus = RM10 
 
 If you buy 7 units, then you can earn much more - 5 pairing bonuses - 
 
 .............................Unit1 
 
 ...........Unit2............................Unit3 
 
 Unit4............Unit5.........Unit6...........Unit7 
 
 Unit1 has 3 pairing bonuses, and Unit2 and Unit3 has 1 pairing bonus each, 
totaling 5 pairs or RM50. 
 
 Plan B - (Passive Income)Earn EPs from other members. 
 *   1 Unit   = RM262,136   Return On Investment 
 **  3 Units = RM786,405 Return On Investment 
 *** 7 Units = R1,834,952 Return On Investment 
 
 
  * I Unit – 50% of RM262,136 if you did not refer anyone, 75% of RM262,136 and 
100% of RM262,136 if you have 2 referrals under you.
   
  ** 3 Units – Unit1 will earn 100% of RM262,136 since it has 2 units under it 
(Unit2 and Unit3). Unit2 and Unit3 will each earn 50% of RM262,136. If you 
refer 4 and put 2 under each of Unit2 and Unit3, then both units will earn 100% 
of RM262,136.
   
  *** 7 Units – Unit1, Unit2, Unit3 will earn 100% of RM262,136 since all 3 
units has 2 members under them. Unit4, unit5, unit6 and unit7 will earn 50% of 
RM262,136, but if you refer and put 2 under each, then they will earn 100% of 
RM262,136.
  
 All new IPC members are placed in an IPC world chart, not your personal chart 
You don't have to bother to find downlines and still make money. You earn RM4 
from each downline, 13 levels deep. You are paid whenever each of your 13 
levels are filled
 
 Level 1 = 2 downlines = RM 8 
 Level  2 = 4 downlines = RM16 
 Level  3 = 8 downlines = RM32
 Level  4 = 16 downlines = RM64 
 Level 5 = 32 downlines = RM128 
 Level 6 = 64 downlines = RM256
 Level 7 = 128 downlines = RM512
 Level  8 = 256 downlines = RM1,024
 Level  9 = 512 downlines = RM2,048
 Level 10 = 1,024 downlines = RM4,096
 Level 11 = 2,048 downlines = RM8,192
 Level 12 = 4,096 downlines = RM16,384
 Level 13 = 8,192 downlines = RM32,768
  Level 14 = 16,384 downlines = RM65,536
 Level 15 = 32,768 downlines = RM131,072
  Total Levels 1 to 15 = RM262,136
  
 Plan C - World Pool Bonus 
 This depends on members performance monthly, and cannot be carried forward to 
the next month. You earn 1 point for every 3 units bought (3 points if you 
bought 7 units) and another one point if you have a referral who also bought 3 
units (3 points if he bought 7 units). 
  
 For example : 
 Total Units sold in 1 month = 75,000 
 World Pool Collection = 75,000xRM4 = RM300,000 
 Total accumulated points by Platinum Members = 5,000 
 Point value = RM300,000/5,000 = RM60 
 If you have 3 points then your World Pool Bonus will be RM 60 x 3 = RM180 
 
 Plan D - Earn From Your Friends 
 When your downlines use their IPC Shopping Privilege Card, you earn 0.1% of 
their total spendings. 
 
 IPC Shopping Sdn. Bhd. was incorporated on 5th June 2001 with registered 
office in Cheras, Kuala Lumpur. 
  
 After 5 ½ years of operation, the IPC Shopping Group has expanded to 26 
countries such as Singapore, China, Japan, Korea, Indonesia, Hong Kong, Taiwan, 
India and the Middle-East. 
  
 The company has won numerous awards since last year including –
   
  1) 30 July 2006 – Asia Pacific Excellent Leadership Award.
   
  2) 8 Sept 2006 – Superbrands Award
   
  3) 21 Jan 2007 – Asia Pacific International Honesty Enterprise 2006
   
  3,000 – 4,000 units are currently bought DAILY ! Currently takes less than a 
month to fill up each of your 13 levels. So to get your 15 level Plan B matrix 
filled takes just 1 year plus. RM168 earns RM262,136, you can’t get this 
anywhere else. That is why most members buy 3, 7, 15 or even more units ! As 
for me, I bought 7 units so I can potentially earn over RM1,800,000 ! My 
sponsor who bought 15 units can potentially earn RM4,000,000 ! Wow !
 
 
  Please contact me if you want more details or you wanted to signup as you 
will need a sponsor to signup.
  
 Here's to YOUR Success ! 
 
 
  Cody Ler 
 [EMAIL PROTECTED] 
 msn messanger - [EMAIL PROTECTED] 
 Yahoo messanger - kodyler 
                
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