Richard introduces the Lyoness cashback card program. Members earn cashback of 1-5% on purchases and shopping points that can be redeemed for discounts. Richard earns commissions for introducing new members and when his referrals make purchases. The program expands through word-of-mouth referrals, with members earning bonuses on purchases by those they and their referrals enroll. Shopping points from all members accumulate and are converted to units that fund periodic payouts through the balance and career programs.