We are glad to announce, that currently we have our Franchise Offer for you.

1. FRANCHISE
OFFER

2. 2
Brief information about the Bank4You company
• Bank4YOU is an international British company, headquartered in London, UK with representative
offices across all Europe, Middle East and Asia
• Company is an innovator of financial products for international students, active travelers and
migrant workers
Number of people who visited Europe in 2015
• Most people who visit Europe, are residents of Asia and Latin America
• The largest number of visitors are tourists (64,6 millions)
• On the second place are immigrants (27,5 millions)
• On the third place are students (1,5 millions)

3. 3
Products that can cover these needs are:
Convenient way to obtain
financial support from relatives
The basic needs of students and tourists who visit Europe are:
VAT refund
Convenient way to
transfer funds to
relativesConvenient way to
provide payments
Bank4You Student Card:
• A full range of card services – ATM
withdrawals , POS transactions, shopping
online
• Card loading from anywhere in the world
- parents and friends can easily top up a
card, no matter where they are
• Easy to get the card - without statement
of earnings and without need to open a
bank account
Bank4You TaxFree Card
• Quick and easy VAT refund - VAT
refunds within 48 hours
• Savings - up to 19% on purchases abroad
• Manage card online - free and
convenient online account

4. 4
Students
Agreement Partner
PaymentCard
Payment
Card
Tourists
Shopping
in Europe
Studying
in Europe
CustomersupportCustomersupport
Receiving transfers
from relatives
Payments
Sending transfers
to relatives
Loading of
VAT refund Payments
Sending transfers
Target audience:
• Students who are studying in Europe
• Tourists who are visiting Europe
• B4U authorizes the partner to distribute cards, based on the franchise agreement
• Partner sells cards to the target audience and receives income
• Customer buys universal international payment tool
• B4U provides further customer support and maintenance of card services
Bank4YOU business model

5. B4U offers to legalize partnership using the franchise
agreement
After signing the franchise agreement you will get :
Right for cards distribution
Rights to use the brand as part of product distribution
Bulk of cards for distribution
Access to the B4U website whereby sales of cards can
be provided
Access to the informational materials on the website
24/7 customer/partner support
The right to participate in different bonus programs for
partners
B4U offers 3 types of franchises:
Cost
of type 1:
225 EUR
Cost
of type 2 :
500 EUR
Cost
of type3:
1000 EUR200 500 1000

6. 6
1. Franchisee (partner) makes a lump sum payment (franchise cost) to obtain a
contractual relationship with B4U;
2. B4U provides partner with all necessary working tools;
3. Franchisee (partner) pays out royalties monthly (for 12 months);
4. As a result of cooperation B4U provides loyalty program to the partner*.
Partner
Pays out
bonuses
Charge for the franchise
Pays out royalties
General scheme of interaction between B4U and Partner
*B4U Loyalty program:
Partner receives quarterly bonus of 2 EUR for each sold card, in case of card
activation by the client.

7. 7
Parameters Type 3
Number of cards in the case 1000
Distribution period 12 months
Franchise cost
(lumpsum payment ), €
1000 €
Monthly royalty, € 1127 €
Annual bonus, € 2000 €
Profitability, € 10500 €*
Parameters Type 2
Number of cards in the case 500
Distribution period 12 months
Franchise cost
(lumpsum payment ), €
500 €
Monthly royalty, € 550 €
Annual bonus, € 1000 €
Profitability, € 5400 €*
Parameters Type 1
Number of cards in the case 200
Distribution period 12 months
Franchise cost
(lump sum payment ), €
225 €
Monthly royalty, € 246 €
Annual bonus, € 400 €
Profitability, € 1800 €*
* Provided by the fact of the card distribution with the price of 25 EUR
Franchise conditions: