Experience has shown that over 90% of the questions we receive are answered here...  However, if we have missed a question important to you, please feel free to contact us.

Answers

1. Q. How much money is it possible to make?
A. Technically there is no limit. The amount you earn will be based upon your efforts and the efforts of those in your referral group to tell others about this program and to spend time using the Banner Bar service each month and participating in the various promotions and visiting the advertiser’s websites. For further information on potential earnings possibilities visit our page. To go directly there click here.

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2. Q. Do I have to buy anything?
A. Absolutely not. While we encourage you to visit the advertiser’s websites and remember them when you go shopping, you are not under any obligation to do so. Keep in mind though, advertisers are the source of all income for the program including your compensation. Please don’t always think “someone else will do it” because if everyone thought that way, the advertisers would have no incentive to continue supporting you or anyone else in the program.

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3. Q. How much does it cost to be a member?
A. Nothing! Our service is free. However, we are not an internet service provider so you will still need to pay for your internet access just as you have in the past.

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4. Q. Are there any age restrictions on becoming a member?
A. Yes we have an age requirement. In accordance with the Children’s Online Privacy Protection Act (COPPA) and since we require all members to complete a Member Survey, all new members must be at least eighteen (18) years of age upon date of 10pays.com registration. Additionally, if you are a resident of Japan, you must have reached the age of twenty (20) years to join 10pays.com.

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5. Q. Is this some type of Pyramid Program or Ponzi Scheme?
A. Absolutely Not!

10Pays.com is a legitimate Network Marketing Company, please read below to learn the differences between our program and any sort of pyramid program.

Pyramid Programs (also known as Ponzi Schemes) have been around for a long time and are illegal worldwide. They are usually promoted as a “Get Rich Quick” program and there are many variations. Typically a new recruit or “investor” is required to pay a rather large sum of money to join. The promise made is that once you “work your way up”, you will reach a certain point where you will receive much more than your original “investment” back.... The problem with all pyramid programs is they require the continual recruitment of new members to keep functioning. Once the supply of willing recruits drops, the movement up the “levels” quits and the game is over.... Everyone that has not reached the top “level” loses their money. It is estimated that over 85% of the people who have been involved in any of these programs have lost money.... For more information on these types of programs, visit the Federal Trade Commission’s website at www.ftc.gov

Here is why 10pays is totally different from any type of Pyramid Program:

First of all, we are 100% free to join and there are no membership dues.... The money our members have the ability to earn comes from the advertisers that are hoping to influence your buying habits.

Second, members are not required to recruit anyone in order to be involved in 10pays.com. Sure, you will do better if you have referrals but that is not a requirement.

Third, the 10pays framework is stable meaning that there is not any movement to different levels. You neither move up or down, nor do you “drop off” at some point.

We encourage you and all 10pays members to learn more about Pyramid Programs and why 10pays is not such a program but rather a legitimate network marketing program. For more information please click here now.

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6. Q. What is the minimum amount I need to earn in order to get paid?
A. At this time, you must have accrued at least U.S. $50.00 (fifty dollars) in order to meet the payment threshold. If you do not accumulate enough points in any given month to meet the payment threshold, those points will carry over into your next month up until such time as you meet the threshold amount.

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7. Q. How many hours will you pay me for?
A. At this time, there is no maximum number of hours per month.

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8. Q. I forgot to list my referrer when I signed up, can you move me?
A. Unfortunately, no.... The only way to change referrers is to cancel your membership and rejoin the program using the correct information for your referrer. Caution: If you cancel your membership for any reason, including because you desire to change referrers, you will lose all referrals you currently have and any points that may have accrued in your account. It is rarely in a member’s best interest to cancel an existing membership, so be sure this is what you desire before completing the cancellation process. Once cancelled, you may not change your mind.

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9. Q. Who do I contact if my Banner Bar won’t show any ads?
A. If you are experiencing technical difficulties, please contact our service department at the following email address: techservice@10pays.com

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10. Q. I have been using the Banner Bar service for several minutes but I have not received any points yet, what is wrong?
A. This is normal. Currently, the Banner Bar only indicates an update on your points count every 25th ad. The service is designed that way to reduce the load on the servers and also reduce bandwidth usage providing operational cost savings benefitting all members. In addition, if you close your Banner Bar before the first 25 ads are shown, the system will not have recorded your status and you will not receive credit for those ads that were shown in that short time.

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11. Q. Does the 10pays program work with Macintosh™ computers?
A. Not at this time. Although we feel Mac computers are great pieces of equipment, the reality is over 90% of internet users are using operating systems and software that is based on the PC platform.

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12. Q. The computer I use is also used by other people. Can we have separate accounts and still use the same computer or do we have to share one “common” account?
A. You may all sign up individually and have separate accounts and still use the same computer. You will simply need to log in and log out each time you use your account. We do not allow shared accounts.

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13. Q. I use more than one computer, can I use the program on more than one system?
A. Sure, you may set up your account on as many computers as you like. However, you may only run the Banner Bar service on one computer at a time. Attempting to run multiple computers with the Banner Bar service activated simultaneously is considered a fraudulent activity and is grounds for termination.

A special note about using 10pays in the workplace: While we have no objection to you using our software at work, many employers do not share our opinion. You should always get permission (preferably written) before downloading and using our software on any computer you do not own.

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14. Q. Can I have more than one account?
A. No. Each member is only allowed one account. You can however access your account from as many different computers as you like. For more information see question #13.

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15. Q. I just purchased a new computer, how do I reload the program onto my new system?
A. To download the software onto your new computer, go to the Members Account link on the 10pays.com homepage. Once you have accessed your personal area clink on the “Download” link and follow the instructions provided.

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16. Q. I forgot my password, can you help me retrieve it?
A. We can help you retrieve it... Go to the 10pays.com homepage and click on the “Members Zone ” link. On the page that asks for your password is a link that will help you retrieve it. Or use the following link. Lost Password.

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17. Q. Do I have to accept your emails in order to be a member?
A. Yes. As part of your membership agreement with 10pays, you agree to accept emails or other messages via our message center from us. These emails or messages will only come about once a week and will update you on what is going on within the company and may also be promotional in nature. Many of these messages will also contain links to various advertisers which may provide you with extra points that add to your compensation. We urge all members to click on these links and at least visit the advertiser's website. At the very least, you will be building personal time by visiting the companies that are supporting all of us.

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18. Q. Can you provide me with a list of names and email addresses for members in my referral group?
A. Sorry, while we realize there are many positive reasons why individual members would like to communicate with other people in their group, we will never provide that information because it would violate our strict Privacy Policy. This is to protect you as well as all members from receiving unwanted messages.

However, you may set up informal lines of communication by talking with people you directly referred and already have contact information for, they can do the same and if a group of like minded people want to communicate with each other, then that is fine. Just remember that every member has the right to privacy, if any member requests you no longer contact them, then you must honor their request. For more information about our Privacy Policy click here.

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19. Q. What happens if I switch companies that provide my internet service?
A. Nothing will change as far as your ability to access the service. But if your email address changes, you will need to update your information by clicking the “Members Account” link on the 10pays.com homepage.

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20. Q. How do referrals work?
A. Referrals are an important part of the program for any member who wants to increase their compensation potential. Simply put, you receive points or credits for time your referrals spend using our service(s). As a general rule, the more referrals you have the more points you have the potential to earn.

You gain referrals in one of three ways:

#1. You personally tell someone about the program and they decide to join listing you as their referrer.

#2. One of the people who are in your referral group tells someone about the program and they join using that person as their referrer. As long as the new referral falls into one of the eight levels immediately below you, you will entitled to earn points for their activities.

#3. One of the people who have you in their referral group tells someone new about the program who decides to join and names that person as their referrer. Depending on the circumstances that new member may spillover into your referral group as well allowing you to earn points for their use of our services also.

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21. Q. Is there any limit to the amount of people I refer?
A. No..... The more the better! Just remember that after your first 10 Direct Referrals, your other referrals will spillover to those below you. They still will be in your referral group, of course, and you will still earn credits for their use of our service(s) (up to 8 levels) but now you will be helping those members below you.

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22. Q. What does the term “spillover” mean?
A. Spillover is the word used to describe the process where a new member is placed if the referring member already has 10people on their first level.

For example: Chris tells her husband Larry about the program and he signs up using Chris as his referring member. Meanwhile, Chris has told 9 more people who have also signed up using Chris as their referring member. Chris’s first level is now full but she may not even know that everyone she has told has signed up. If she continues to tell people about the program and they sign up listing her as their referral, the 10pays computer automatically recognizes her first level is full so the computer looks for the person who has been in Chris’s group the longest and does not have 10 people on their first level. The computer then uses that person’s referral ID information as the referrer for the new member. The new member will still be in Chris’s group but will now also be in one of Chris’s referral’s group. In this case, since Larry was the first person to sign up under Chris, the computer would place the new member as a referral in Larry’s first level...... That scenario would be described as “ Larry received a spillover referral from Chris.”

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23. Q. If 10pays and other members are going to help me build my group, why should I do anything?
A. Good Question.... Of course, you are not required to tell or recruit anyone to be involved in 10pays.com. You will still receive the benefits of the effects of spillover from the members above you who have you in their referral group as well as the efforts of anyone who ends up in one your referral groups. However, as with anything in life, those who put forth more effort will probably see better results.

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24. Q. How quickly can I expect my referral group to grow?
A. This varies greatly from member to member. The most important growth factors are your level of involvement along with the overall involvement of members above you who have you in their referral group as well as the involvement of the people in your referral group. In practice, those who remain excited about the program, tend to attract like-minded people and those groups are more likely to do better than most.

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25. Q. Can I reasonably expect my referral group to eventually “fill up”?
A. Sorry but you are more likely to win the lottery several times in a row.....The mathematical model that 10pays was developed on creates a very large number of available spaces in each member’s referral group.. Reality dictates for many reasons, not every space will get filled..... Don’t despair, though, even a very small percentage of overall spaces filled will make this program very worthwhile. (Tip: the more effort you put into helping fill your first two levels, the better your chances.) For more information on your earnings possibilities.. Go To Referral Calculator.

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26. Q. Is this program available worldwide?
A. Currently 10pays.com is available in almost all countries worldwide. However, 10pays.com is a company based in the U.S. and as such is prohibited by the U.S. Government from accepting citizens of the following countries as members: The Balkans, Cuba, Iraq, Iran, North Korea, Syria, Sudan, Burma (Myanmar), Libya, and Zimbabwe. Additionally citizens from countries that are prohibited to do business with U.S. companies are urged not to apply for membership. These restrictions may change from time to time.

Additionally, at this time, the 10pays.com website is only published in English.

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27. Q. In what ways can I earn money?
A. Earning money with the 10pays program is very simple. Once you have completed your membership and downloaded the Banner Bar ad-serving software, simply use the internet like you would normally and if our Banner Bar is running, you will be paid for the time you accrue. You also may earn points for reading our emails (don’t forget to keep the Banner Bar running) and by participating in various promotions that we or our advertisers may sponsor. There is also a portion of our website called “Fun & Profit” that you can link to through our homepage that has various free and paid offers that allow you to increase the number of points you receive.

And finally let’s not forget all the points you may receive from the activities of your referrals.

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28. Q. Where does the money you pay me come from?
A. The source of funding for these programs are the advertisers whose ads appear on the Banner Bar service and those who have promotions listed in the Fun & Profit portion of our website. Based on the activity of the 10pays.com membership community as a whole, they pay us for presenting the ads. We in turn share that revenue with all the members who participated in the program... Please support the advertisers whenever you can because without them, your opportunity would not exist!

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29. Q. What is the approximate value of a point?
A. The value of a point will vary month to month depending on the amount of advertising revenue we are able to collect. At this time an estimated approximate value is U.S. $0.02 per hour. While this amount seems very low, the amount you can receive in compensation is actually still quite respectable thanks to the group building software and eight level referral structure. For more information on your earnings potential please visit our Referral Calculator Page. To go there now, please click the following link. Referral Calculator.

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30. Q. How many points do I get for the surfing time of my referrals?
A. You are eligible to receive points for your referrals based on a percentage of the current rates that you are paid. For example you are paid 5% of the points for each member on your first through eighth levels as long as you had a greater than or equal number of points for each member on those levels. If any member in your referral group had more points than you did on any level, you would not be entitled to share in the excess points.

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31. Q. When and how will you pay me?
A. Once you have reached the payment threshold we will normally pay you within 60 days.

It works like this... You accumulate the number of required points in any given month needed to reach the payment threshold, we still have to bill and collect from the advertisers for that month. This process normally takes 30 to 45 days. Once we have received payment from the advertisers, we process the compensation payments for all members who have reached the payment threshold.

In an effort to minimize company expenses in processing payments to members, we intend on using online transfers whenever possible. This will help preserve more funds with which better to serve our members. Depending on the country you reside in you will be notified of payment procedures available when you reach or approach the payment threshold. These procedures may change from time to time.

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32. Q. Are income taxes owed on the money I earn? Will you report my earnings?
A. In most cases you are solely responsible for reporting your earnings and paying any required taxes in your country. Additionally, if you are a U.S. citizen, you are required to report any earnings and pay the appropriate tax to the Internal Revenue Service and we may be required to report your earnings to the IRS also.

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33. Q. Can I advertise for new referrals on my own?
A. Yes but with certain restrictions... Please see our “Referral Ideas” page for more information.... To go directly there click the following link. Referral Ideas

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34. Q. Can I sell or transfer my account?
A. No not at this time... This is an area we are studying further and may change in the future.

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35. Q. What if I decide to quit?
A. No problem, you may quit anytime you like. All you need to do is go to the “Members Zone ” link on the 10pays homepage and click on the “Cancel Membership” link. For your protection, you will need your password. This is to prevent someone other than you from cancelling your membership...

Important: Be sure and keep your password safe. If you cancel your membership, you will forfeit all referrals and points that have not met the payment threshold. If you quit and decide to rejoin, you will not be allowed to return to your old position. You will be treated as a completely new member.

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36. Q. What happens when someone else quits? Do the rest of us move up?
A. No... Everyone always remains in the same position as when they started. If someone drops out, it just creates a space that is not productive. Just think of it in the same manner as if someone joined and then never was active in the program.

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37. Q. How do I change my personal information such as email address or interests?
A. Simple. Go to the “Members Zone ” link on the 10pays homepage. Enter your password and once you have accessed your account, click the “Update My Information” link. To go there now click the following link: Members Zone.

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38. Q. Where can I go to check my “stats” regarding such issues as how many referrals I have or how many points I have accumulated?
? A. These figures are found in your “Members Zone”.... You can access that area directly from the 10pays homepage or by clicking on the following link: Members Zone.

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39. Q. How do I turn the Banner Bar service off?
A. You may turn the Banner Bar off at any time by simply clicking on the minimize button (-)" on the Banner Bar itself. Then go to the bottom of the screen and right click your mouse on Nick (the 10pays clockman icon) and select the option "close". If you wish to turn the Banner Bar back on, you will need to go to your computer desktop and click the 10pays.com icon or restart your computer.

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40. Q. What is Spam? Why is it bad? And why will you terminate my account if I Spam?
A. To understand why we are so adamant against Spam, it is important to understand what Spam is. Spam is just another word for unsolicited email. It is the computer world’s version of “junk mail”. But it is much worse than postal junk mail because Spam costs the recipients not the sender. To understand how this works, let's use an example of an advertiser using junk mail with the postal system versus an advertiser using Spam system to our email accounts.

If an advertiser wants to send out a hundred thousand pieces of postal junk mail, they must purchase a list of names, pay to have the pieces of mail created and then pay postage to have it delivered to your mailbox. The costs for such a mailing are large to the advertiser, so they will not do it very often particularly if they do not get much of a response.

Compare this to an advertiser who decides to Spam the email system. This advertiser only has to purchase a list of names, create an advertisement and send it to a hundred thousand people. Since there is no postage involved, and very little production costs, the advertiser is not out much... To make matters worse, the advertiser could send you the same message everyday without paying a penny more. Imagine your email box filled everyday with thousands of messages, it would be impossible to keep going through them to look for messages from people you really cared about. Compounding the problem would be all the companies that provide servers and memory for the email systems. They would be in an never-ending battle of trying to add more memory to keep up with the messages.

Who would have to pay for all these “performance upgrades”? Of course it would be all of us that rely on using the internet... It would be the equivalent of having to pay the postal service to deliver junk mail to us whether we wanted it or not.

Fortunately, there are laws against this type of behavior. These laws are for all of our protection and have been implemented in an effort to keep the internet as affordable as possible. In the spirit of stamping out Spam, 10pays.com strictly forbids any of our members to use Spam in any form in an attempt to attract referrals. If you are caught, you will be immediately terminated and may not be allowed to rejoin.

Please keep the following rules in mind to protect yourself:

1. Never send an email soliciting 10pays to anyone but friends who you normally correspond with through email.

2. Do not go to the various chat rooms and bring up the subject of 10pays when that is not their topic.

3. Do not post to message boards or news groups on the internet and bring up the subject of 10pays when that is not their topic.

The safest way to protect yourself is through off-line referral recruiting.... For ideas on ways to grow, please visit our Referral Ideas page by clicking on the link from our homepage or by clicking on the following link: Referral Ideas.

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41. Q. What is the difference between Spam and “Opt-in” email?
A. Spam was discussed in question #40 previously. Opt-in email is mail that you receive in your email from companies and advertisers that you have previously indicated your willingness to receive email from. These typically include newsletters, sweepstakes, internet magazines (also called e-zines) and almost anything else you may be interested in. Most time these pieces of mail will also have some sort of advertising associated with them. The advertising normally pays for the content of the email you are interested in.

You as the email recipient always retain the right to terminate any opt-in email you receive. Recent U.S. legislation has made it a requirement that all mass mailings of any sort have an “unsubscribe” link on the email that lets that company know you no longer wish to be included on their mailing list.

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42. Q. What do you do with the information you collect about me?
A. We use the information we collect about you in two ways.

#1. We use the information you provide to create a profile of ads to be shown to you that may be of interest to you thereby reducing the amount of non-relevant ads that come across your Banner Bar window.

#2. We compile your information along with all the other members into group summary form. This non-personal summary or aggregate is then shown to advertisers or potential advertisers to show what demographics are represented by our group as a whole. This helps advertisers decide whether to sponsor our program.

Please be assured that we never provide any personal information about you or any other of our valued members. For more information about our Privacy Policy please click the following link: Privacy Policy.

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43. Q. Where can I find your privacy policy?
A. 10pays is committed to protecting the personal privacy of all our members and as such has a strict and comprehensive policy. We welcome you to read our Privacy Policy by linking to it from our homepage or by clicking the following link: Privacy Policy.

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44. Q. I think this program is great! How can I let advertisers know I appreciate them supporting the program?
A. First of all, click on their ads and links from the emails from time to time. Most of these ads and links will take you to their websites and most of these sites have an area where you can contact them and leave a message. Don’t forget to mention you are a 10pays member.... And of course, support the advertisers when it makes sense for you to do so!

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45. Q. Why do you use a separate Communication Center to deliver your messages, wouldn't it be easier to just send it to my normal email address?
A. There are two primary reasons a separate message delivery system is used.

First of all, many members change providers of their internet service from time to time and in doing so obtain a new email address which is different from what we have on file. This could cause problems and delays in providing payments when due.

Secondly, from time to time we may send messages from sponsors that are promotional in nature. Some of these messages may allow you to earn bonus points. It is important from the standpoint of the advertisers that everyone involved realizes these messages are not Spam but rather an normal part of the program. Having the messages delivered to you in a separate area helps keep this distinction clear.

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46. Q. Several years ago, there were a few similar companies that failed, what makes your program different?
A. You are correct, starting in 1999, there were several companies that tested some form of this concept. Unfortunately, their business models were developed based on the very high advertising revenues that were being paid at the time. Most borrowed from venture capital companies very large sums of money to build their organizational infrastructure. When the prices they could charge their sponsors for advertising fell dramatically, they could not make a positive return on the money the banks or venture capital companies had provided and were forced to close down.

Does this mean the overall concept is a failure. Not at all. Just as most inventions need refinement before they become practical (Remember when people thought the automobile would never replace the horse as the most common form of transportation), so did this evolution on how advertisers and consumers talk and do business together.

Several factors make your involvement with 10pays more likely to succeed now than ever before. A few are as follows:

A) The global economy is just now coming out of the recessionary period that caused many companies to substantially reduce the amount of money they spent on advertising. With consumers showing they are willing to spend more, companies are willing to advertise more in the hopes of gaining their business.

B) 10pays is the first company to create an exclusive automated group building technology. This group building software along with the company motto of “helping others while helping yourself” is a tremendous factor in keeping people involved and helping everyone be successful. None of the prior companies had this commitment to their members. As such, most people who are not sales orientated had a tougher time getting their groups to grow and dropouts were frequent.

C) Another problem many of the previous companies had was the instability of their membership community as a whole. As was mentioned above, since there was no company assistance in helping members build stable referral groups, the dropout rate would cause the overall demographics of the membership community to constantly change. Since advertisers are interested in the demographics of the group they are soliciting, it is important that this factor not be constantly changing.

D) Company Costs. Many of the previous companies who had received large amounts of start up capital spent lavishly on multiple offices with all the necessary equipment and strong in-house support staff. To our way of thinking, that was premature since those were costs that had to be covered before they could pay their members. We believe that staying profitable (and paying our members, of course) is considerably more important than appearance. As such, 10pays “outsources” as much of our support work as possible. Since the companies we employ have already invested in all the infrastructure costs, we simply pay for the time we need them. This tremendously reduces our costs and allows us to concentrate on the financial health of our members.

E) 10pays pays through 8 levels of referrals. Most of the “old” companies paid no further than 5 levels. When you add both the automated group building capabilities of your group with the multiplication factor of 10 for each level, you can see that the space for growth of your referral group far exceeds anything previously offered. With the large amount of referrals possible and the greater stability of your group, it is much easier to make money with our program than it was previously. Plus the 8 level payout plan more than compensates for the decrease in ad revenue since 1999.

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47. Q. Why do I have to surf using the Banner Bar in order to get paid for the time of my referrals?
A. The reason we require all members to put in as much “personal time” (or point accumulation) as what they get paid for from the time (or point accumulation) of the members in their group is simply to keep things fair. We and all members realize that the amount you are paid for your personal time is very small. As such, some members might take the attitude that they won’t use the Banner Bar personally or participate in various sponsor promotions but would still like to collect an income based on those in their referral group that do. That type of mentality goes against the whole 10pays philosophy of “helping others while helping yourself”. As such, we feel it is in the best interests of the membership community as a whole that members are only paid for the efforts of members in their referral group up to the amount they are personally willing to put in.

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48. Q. Since you do not pay members for the time spent online by their referrals beyond what they personally spend, what happens to that money?
A. All money not paid out because of time requirements is simply used to increase the effective payout rate for all members the following month.

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49. Q. Why don’t you pay through an infinite number of referral levels?
A. Paying through an infinite number of levels could conceivably cause an unfair advantage for members who have been with 10pays longer. Since one of the company core values is to treat all members, regardless of when they joined, equally, it is necessary to have a “cut-off” level.

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50. Q. Does any of your software or the Banner Bar contain any sort of "spyware" that tracks my activites on the internet?

A. No..  Your surfing habits are your private business.  The only information we collect is your total time using the Banner Bar service and any interactions you have through the Banner Bar portal with sponsors that entitles you to extra compensation points.  The advertisements you receive are based upon information you provided on your member survey.  For more information on how we protect your privacy please visit our Privacy Policy.

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51. Q. I still have a question that has not been answered here, who do I contact?
A. For all other questions, please see the “Contact Us” page on our website or to go there now, please click the following link. Contact Us.

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