LIVE OUT YOUR DREAMS With MMM your money grows by 30% per month

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2 LIVE OUT YOUR DREAMS With MMM your money grows by 30% per month 30% MMM is a Community of mutual aid which has no equals. It was founded by Sergey Mavrodi in 2011 with the aim of creating a fair financial system. In MMM people lend financial help to each other and get 30% of the corresponding amount on a monthly basis. MMM participants unite to overcome social inequality; they want to live in abundance and feel confident about their future. Thanks to the Community people can help their families and friends financially, travel, run charities, visit health resorts and start their own businesses. Together, they are building a fair world. With MMM, every person can become financially independent, including you.

3 MMM Geography Residents from 118 countries have joined the MMM Community. New participants join us every second. Top countries by the number of participants: China South Africa India Spain Indonesia 11 Peru There are already 228 mln people in our Community! Japan Nigeria Brazil Colombia Ecuador Mexico The USA 15 Venezuela Turkey 16 Brasil

4 Ideology: MMM brings happiness The modern world is bad. It is inhumane, unfair and unjust. It is a world of money. It is not made for people. It is made for those who make money, for bankers and the government. Ordinary people are some kind of servants for the rich, sweeping out their palaces. What lies behind the welfare of the community? It s labor. Why then do bankers live a hundred, a thousand times better than ordinary laborers? Bankers don t work harder They do not produce any material items. Financial world is a pyramid. Those who print money the government and the banks are on top of it. Ordinary people are at the bottom, under the Big League. Many people live on the breadline. They are unable to maintain themselves and their families, not to mention buying clothes and any material values. Most people worldwide are dissatisfied with their income People are massively indebted to the banks We are witnessing social inequality, when some have everything, while others own nothing.

5 Ideology: Although the state budget expands by levying taxes on ordinary people, the authorities are unwilling to increase salaries and ensure a comfortable life for ordinary citizens. Whereas MMM creates an alternative to the current financial system. Thanks to the Community the existing financial system will lose the competition and will be replaced with a new one. Everyone will get a chance to live happily, in abundance, and will cease to obey banks and the government. People aspire to self-fulfillment: someone is dreaming of getting an education and start a business, someone wants to travel, and someone has a vital goal of raising children in abundance and help the needy. There are a lot of people, with each one having their own desires and needs. To achieve these goals, we need money, and, thankfully, MMM solves this problem. The Community gives a chance to everyone to do what they want.

6 What is money? Money is shackles into which we are put by banks and the government. You can do nothing without money: neither buy food, nor manage a disease. We got used to the fact that everything is done for money, and we highly appreciate it. But, in fact, it is just pieces of paper printed by banks, which are backed by nothing. These pieces of paper are given to people as payment for their work. The US Fed has no external constraints and can print dollars in unlimited quantities. Central banks of other countries are regulated by the Fed. Theoretically, money can be printed in the amount as large as one wishes so that it will suffice for everyone. But the economic system is structured in such a way that we sell our time, skills and knowledge for money, which is never enough.

7 About the founder Sergey Mavrodi is the founder and leader of the MMM Community, which has become his lifetime project. He is one of the few who has defied the current unjust financial system. Mr Mavrodi stands for the financial freedom of every person and believes that a person doesn t need a lot of money to be happy, it is sufficient for them to be able to use it at any time. To know that they possess it. Moreover, Sergey Mavrodi is a brilliant mathematician, candidate master of sports in Sambo, a Deputy of the Russian Parliament in At a young age, he worked as a programmer and participated in the development of the first operating systems. The company he founded was one of the leading distributors of computer technology in Russia. Sergey Mavrodi s hobby is writing novels and poetry. More than 300 of his literary works have been issued and are on sale in stores. Several movies have been filmed based on his scenarios, and his poems have been set to music.

8 History of creation MMM was first founded by Sergey Mavrodi back in 1994, in Russia. Within 6 months, 20 million participants joined MMM, and the amount of contributions made up a third of the country s turnover. The founder of the Community wanted to go beyond Russia and bring MMM to other countries, but the massive success of MMM bothered the officials. The authorities wanted to take the Community over, but Mr Mavrodi refused to hand it over, acting in the interests of the participants. Having been denied what it had desired, the Russian Government deliberately destroyed the Community and arrested Mr Mavrodi on false charges and confiscated the money of the participants. In 2011, Sergey Mavrodi founded MMM as a multinational Community. It is the only Community in the world which has the tools to change the financial system in favor of the ordinary people.

9 MMM Progress: Year MMM is started up on the Internet. It mainly includes citizens from Eastern European countries. Sergey Mavrodi changed his role of the owner for the role of an «advisor-consultant». Every week he records video messages to the Community members with tips and ecommendations on participation. All funds are kept on the accounts of the participants themselves Mr Mavrodi has no power over the funds. Year Sergey Mavrodi finally creates equal positions for all participants. Now everyone receives the same percentage of the provided help amount, regardless of the number of attracted new members. However, participants do receive bonuses for each invited user. Year MMM becomes very popular and goes beyond Eastern European countries. Participants from all over the world start to join the Community. By the end of 2013 there are already 35 million participants in MMM Year MMM continues to admit participants from different parts of the world Asia, Africa, Europe, America. The Community introduces the possibility of using the Bitcoin cryptocurrency. Now people can freely transfer money to each other, even if they live in different states. At the end of 2014 the number of MMM participants amounts to 70 million. Year MMM starts to arrange charity events. In different countries MMM leaders give food to the poor, school supplies to children, and so on. By the end of the year 150 million people participates in MMM. Year MMM keeps growing worldwide. Participants continue to hold charity events, donate help to those in need. The growth rate is constantly increasing. There are already more than 200 million participants from 118 countries in the Community! Soon the entire world will join MMM! 228 million participants from 118 countries have already joined the Community.

10 How to participate in MMM Anyone a student or a retiree is able to understand how MMM works. It s not complicated at all You must be registered on the official MMM web-site. Upon registration, you are granted access to your Personal Office. You can use it to help others and get help. Specify your bank details for money transfers in your Personal Office. Now you can become a full-fledged participant of MMM! To provide help, create an appropriate request, and enter the appropriate amount. The program will automatically match you with an MMM participant whom you need to transfer funds to. Send money to the specified bank details and attach a confirmation screenshot. To get help, create an appropriate request, enter your bank details and the desired amount. Another participant of MMM will transfer money to your account. Confirm the receipt of funds.

11 MAVRO is MMM s conditional currency unit The amount of help provided is displayed in MMM s conditional currency units Mavros. For example, if a participant provides help for USD 1,000, Mavro- USD 1,000 is accrued on their account. Mavro grows at a monthly rate of 30% and can be exchanged for real money at any time. A certain percent is added to your amount in Mavro on a daily basis.

12 MMM Bonuses In addition to providing help at a 30% rate, MMM participants are entitled to receiving bonuses: 1 10% REFERRAL BONUS. You are entitled to a 10% referral bonus of the amount of help provided by each participant you have invited to join the Community. You have a chance to provide for yourself even without providing help personally. For example: If you invite 10 people whose average amount of help provided is $100, you will get a $100 bonus (10 10 = 100). If you invite only 5 people, each of whom provides help worth on average $1000, the Community will grant you a $500 bonus (5 100 = 500). If you invite 1,000 newbies with the average provided help of just $100, you will get a $10,000 bonus (1, = 10,000).

13 MMM Bonuses 2 GUIDER BONUS. Help others to participate in the Community and become their guider. This is similar to a position of a consultant assistant. Guiders get multi-level bonuses of help provided by their downlines.the number of levels is unlimited. Level 1-5% (indirect referrals) Level 2-3% Level 3-0,5% Level 4-0,3% Level 5-0,1% Level 6-0,05% Level 7-0,03% Level 8-0,01% and so on endlessly in the following levels. As a guider, you will help participants understand how the Community works and explain unclear things. Since bonuses are multi-level, you can build a large structure and ensure a high level of income for yourself.

14 MMM Bonuses 3 REGISTRATION BONUS. Having provided help for the first time, participants are granted a $20, $50 or $100 registration bonus, depending on the amount of help provided. For $ of help provided a $20 bonus is granted. For $500 2,999 of help provided, a $50 bonus is granted. For $3,000 10,000, a $100 bonus is granted.

15 MMM Bonuses 4 BONUS FOR VIDEO TESTIMONIALS. Having received help, you must send a letter of happiness. If you attach a video to your letter, you will be granted a bonus. The bonus is granted for a video attached to each letter of happiness. 10% of help you have received will be granted for a super video. It should be as close as possible to a professional video: with fine quality and well edited. Make an interesting story where you are the main character. Talk about how you will spend (have spent) the money, which impact the Community ideology has had on you, how the Community has been changing your life, and invite everyone to join MMM. It is important that your story should be interesting and creative. The minimum resolution is The minimum duration is 1 min. 30 sec. 5% of help you have received will be granted, if the video has your face and voice in it. Express your emotions from participating in MMM, and invite everyone else to join the Community! 1% of help you have received will be granted, if you personally are not shown in the video. You need to share your MMM s Personal Office in the video and provide evidence of help you have received in the form of bank statements from your bank account or from your Internet banking system. The video bonus is calculated at a rate of MAVRO 30% and is frozen for 1 month. If you delete the video during this month, the bonus will be forfeited. You will receive a bonus for each of your videos about getting help. In addition, you can make a video about providing help and get another bonus: 1% or 0.5% of help provided, depending on whether you can be seen in the video.

16 MMM Bonuses 5 BONUS FOR USING CRYPTOCURRENCIES. If you provide help using the cryptocurrency, you are granted a 3% bonus of help provided. This bonus is not frozen and is immediately available for withdrawal upon confirmation.

17 How to attract new participants INVITATION USING A REFERRAL LINK. You can find a referral link in your Personal Office. Users who click it to register in the Community become your referrals automatically. Send the link to your friends or relatives and post it on the Internet to invite people you don t know (use Facebook, Twitter, YouTube, etc.) USER ATTRACTION VIA INVITES. All participants have their own invites code words within the Community (e. g. Dario). You can choose it yourself in your Personal Office. If a newcomer enters your invite in the relevant box at registration they become your referrals. Print business cards, brochures, etc. with your invite on them and distribute these among other people.

18 MMM School learn to attract new members easily To provide training for participants on inviting new people to the Community, we have created MMM School. It is free of charge and available to everyone. Here you can find detailed lectures on MMM and discover the truth about the financial world. In the School, you will learn how to work in social media, on web-sites and forums; how to easily convey information about MMM and deal with objections. If you take your studies with due diligence, just a month after completing the course you will attract over 100 new participants.

19 MMM ranks Graduates of MMM School are assigned ranks within the Community which are displayed in Personal Offices as icons. Your rank grows with the expansion of your structure. The bigger the structure, the higher the rank. 10М+ participants. Your rank: 10M+ guider. 1М+ participants. Your rank: 1M+ guider. 100М+ participants. Your rank: 100M+ guider. 100К+ participants. Your rank: 100K+ guider. 1К+ participants. Your rank: 1K+ guider. 10К+ participants. Your rank: 10K+ guider. 1М+ Markus businessman Accumulated his startup capital thanks to MMM. He is the manager of a TOP consumer services company. 10+ participants. Your rank: 10+ guider. 1-9 participants. Your rank: guider participants. Your rank: 100+ guider К+ Julia founder of a charity fund Founded a charity fund to help orphans using money received via the Community. Alejandro Dominguez student Received money for his studies via MMM.

20 Mobile web-site version and mobile application Offices Video messages to participants CONVENIENCE OF PARTICIPANTS IS PARAMOUNT Sergey Mavrodi does everything he can to make participation in the Community as simple as possible for everyone. Recommendations and instructions for participants Online consultants

21 MMM Rules MMM makes no distinction between people representing different age and social groups, occupations, political views, countries, and religions. Here s a list of rules: Participation is only allowed for people of full legal age. You are not allowed to create multiple accounts. You are not allowed to register the same details for different people. Help must be provided within 72 hours. If you haven t transferred money in time you will be banned from the system. You cannot refuse to transfer money after you have created a Provide help request. If you have a good reason contact the support team, and your situation will be dealt with on an individual basis. A family referral is not allowed to provide help worth a bigger amount than yours.

22 Risks As everywhere, you may run risks in MMM. By registering in the Community, you voluntarily agree to these risks. Unlike banks which go bankrupt quite regularly, MMM provides no guarantees. We encourage you to participate in the Community with minor amounts. Conditions of MMM s stability MMM s stability is ensured by advertising and participants activity. If everyone brings at least one new person to the Community, soon enough the entire world will come under MMM s auspices.

23 MMM and Cryptocurrencies common grounds Cryptocurrencies Bitcoin (BTC), Litecoin (LTC), Ethereum (ETH), Bitcoin Cash (BCH), etc. are digital cash based on cryptography science of data encryption. Unlike emission of dollars, euros and other fiat money, cryptocurrency mining is not controlled by the state. Each cryptocurrency is a completely decentralized system that is independent of banks and governments and is accessible to anyone. People can use cryptocurrencies to transfer funds to each other without any limitations and intermediaries, almost instantaneously and with minimum fees. Advantages of Cryptocurrencies ROBUST SECURITY Cryptocurrencies are based on the blockchain technology blockchain being an unbreakable chain of data. Each transaction is written into blocks that are inextricably connected. It s a kind of a log that can be accessed by anyone and cannot be altered. This is why authenticity of any payment can be easily verified, and cryptocurrency cannot be forged or hacked. No one can lock a cryptocurrency wallet it is anonymous and is only accessible to you with all funds. ECONOMICAL TRANSACTIONS WORLDWIDE Transfer fees are a lot lower than bank fees and do not depend on the transfer amount or destination of the recipient. You can transfer money to anyone worldwide at a minimum fee. For most cryptocurrencies, the fee is just a few cents. CONVENIENCE Unlike banks, cryptocurrency transactions can run 24/7. You re the one to decide when, who and where you want to transfer money to. SUPER-FAST TRANSFERS On average, bank transfers take 3 5 working days to be completed. Cryptocurrency transfers only take a few minutes. PROTECTION AGAINST INFLATION AND CONTINUOUS RATE GROWTH National currencies see their rates falling by 1 20 % annually (sometimes more). Most cryptocurrencies are secured by their limited numbers and are protected against inflation. Moreover, cryptocurrencies have their own exchange rate regulated by the market. In broad terms, the rate is continuously growing. This growth is significantly faster than that of investments into precious metals, shares, etc. For instance, in dollar could buy you BTC 1,309. Today, you have to pay millions to buy BTC 1,309. MMM + Cryptocurrencies = New World! Cryptocurrency systems have a vision that is similar to MMM s: they want to create new decentralized financial relations between people, rid all of us of bank dependency and make the world a fairer place. This is why MMM and cryptocurrencies have common grounds. Using cryptocurrencies within MMM is not only more profitable than working with banks it also significantly speeds up the arrival of the new just world where everyone will have their happy ever-after!

24 MMM s Legality Participation in the Community is legal. MMM is not a legal entity, but a voluntary association of people. We do not conduct commercial activity or provide investment or consulting services. Participants exchange their money voluntarily. At the legislative level, this cannot be prohibited. MMM has existed for many years. In most countries, donations are not tax deductible. If you are a participant from a country that levies a donation tax, you will have to pay this tax. We call on the participants to abide by the laws of their countries of residence.

25 Testimonials Happy MMM participants post their feedback about the Community daily. I m a construction worker with an average salary. Given that I ve got three children, at times, we are short of money. My cousin Gerard, who has been participating in the Community for a long time now, recommended me to join MMM. I m very grateful to Sergey Mavrodi for giving me this opportunity to properly provide for my family. It was my father who advised me to join MMM, and he, as always, was right. Now I get a percentage on top of my funds on a monthly basis which is not offered by any bank in the world. I m saving for a car and my own business, and will soon become well-known to everyone! Li Juan, China Fernando Alonso, Spain I m tired of being paid peanuts when the rich walk in golden slippers. I participate in MMM for the sake of the idea and want to change the world. I m sure that together we will succeed! Ismail Ajeko, Uganda For a long time, I wanted to go on a trip around the world, and with MMM my dream has come true. Many thanks to Sergey Mavrodi for giving me the opportunity to live out my dreams! Amala Padukon, India

26 and Charity We firmly believe that we must help the needy, if possible. The Community regularly hosts charity events. MMM s participants distribute food to the starving and clothes to the poor; buy computers for schools and orphanages, finance treatment for those who have been abandoned by the state. In MMM, you have a chance to provide for yourself and your family, and live happily. But think about those who have no money to provide help, and those who do not participate in MMM for other reasons. We are talking about poor families, children in orphanages, sick people. We are building a good and just world, and encourage you to help others. Help a poor family to become a part of the Community and build a happy life. Help orphans to give them a start in life, and give the sick a chance to recover. Don t forget about the boomerang effect your good deeds will be surely rewarded!

27 JOIN MMM Join 228 million happy Community members. With MMM, you are your own boss, your schedule is flexible and your income is unlimited. Choose a bright future. Become a part of the Community, get 30% a month and change the financial system. Ensure a bright future for the children and help those in need! Invite your friends, family and everyone else to join MMM. Live happily and give others a chance to change their lives!