A Step By Step Guide

How to Setup a Pay Pal Account and How You Can Withdraw The Money In Malaysia.

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INTRODUCTION Hi and a very Good Day to you, I’m going to make this short and sweet by not giving you the whole “fluffed” up introduction as time is money. Firstly, thank you for downloading this eBook and hope that the Information provided here will help you as a Malaysian to solve your problem of not having to be able to signup and withdraw your money from PayPal into Malaysia. Secondly, in this eBook I will show and explain to you:

1) What is “PayPal”? 2) How to sign up for a Free PayPal account in Malaysia. 3) How to get a Malaysian debit/credit card (if you do not have a Credit Card). 4) How to get your PayPal verified with your Malaysian debit/credit card. 5) Few methods on how to sign up for an US Bank Account to withdraw your PayPal

money into Malaysia. 6) How to transfer your PayPal money into your US Bank account and withdraw it with

your US Debit Card in Malaysia. 7) How and where you can find money making resources, tools & tips.

Thirdly, if you have any problems, suggestions and/or questions, please visit to my blog and post a comment there. It’ll be much appreciated to have your feedback/comments. Also please sign up for my newsletters on latest updates of tips, eBooks and more in my blog. Thank You & To Your Success Matt Ng About Me: Click Here Contact Me: Click Here International Debit Cards Design Dashboard Internet Marketing Videos 7 Dollar Script Desktop Installer Make Money With No Money All In One Online Business Solution http://InternetMarketing-Asia.com

1. SUMMARY ABOUT PayPal PayPal is the most widely used and famous online payment processor in the world which was established in 1998. PayPal enables any individual or business with an email address to securely, easily and quickly send and receive payments online. PayPal's service builds on the existing financial infrastructure of bank accounts and credit cards and utilizes the world's most advanced proprietary fraud prevention systems to create a safe, global, real-time payment solution. PayPal has quickly become a global leader in online payment solutions with 100 million account members worldwide. Available in 103 countries and regions around the world, buyers and sellers on eBay, online retailers, online businesses, affiliate marketers as well as traditional offline businesses are transacting with PayPal. Below are the type of account that you can sign up for free.

Account Benefits Personal Premier Business

Send money

24-hour fraud surveillance

Customer Service availability

eBay Tools Limited Merchant Services Limited

Accept credit or debit cards

PayPal ATM/Debit Card Multi-user access

PayPal allows members to have one Personal account and one Premier or Business account. However, each PayPal account must contain unique email addresses and financial information. You may upgrade your account at any time.

Fees Personal Account Premier/Business Account

Open an Account Free Free

Send Money Free Free

Withdraw Funds Free for bank accounts in the US Free for bank accounts in the US

Add Funds Free Free

Receive payments funded by PayPal Balance, PayPal Instant Transfer or PayPal eCheck

Free 1.9% to 2.9% + $0.30 USD

Receive payments funded by Credit Card, Debit Card or Buyer Credit

4.9% + $0.30 USD (limit of 5 transactions per 12 month period)** 1.9% to 2.9% + $0.30 USD

Multiple Currency Transactions Exchange rate includes a 2.5% fee* Exchange rate includes a 2.5% fee*

** Personal accounts may not receive payments funded by credit card, debit card or Buyer Credit for eBay or eBay Express transactions without upgrading to Premier or Business accounts.

These fees apply to U.S. users only

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2. How To Signup a Free PayPal Account

1. Click HERE to sign up for a free PayPal account now.

2. When you are in PayPal’s page, please click on the button “Sign Up Today!” as shown on the

above screenshot. 3. You will then be directed to a page that looks like the screenshot shown below and select by

ticking the right type of account that suits you. I would recommend that you choose the “Business Account” because you can put your company name and gain more benefits compared to “Personal” and “Premier” Accounts. Please select “Malaysia” and click “Continue”

4. Once you have selected the right account type and the right country, click “Continue” button.

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5. After clicking on the “Continue” button, you’ll then be taken to another page (screenshot below)

which requires you to fill in all the details about yourself. I encourage you to fill in your REAL and LEGIT details as PayPal needs the right information to credit the money to you. You don’t want the money to go elsewhere besides you, right?!

6. Once you are done filling in your REAL particulars, click the green “Sign Up” button to continue.

7. On the next page, you will see a page that will ask for your Credit or Debit Card particulars to verify as a Malaysian to be able to use PayPal and withdraw money. If you have a Credit Card, please fill in your card particulars. Once this is done, PayPal will email you that you have successfully added a Debit/Credit Card.

*Note: If you do not have a Malaysian Debit/Credit Card, click cancel for now. I will reveal later in this eBook how you can get a Malaysian Debit/Credit Card to verify your PayPal account.

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8. When you are done filling out the particulars, PayPal will mail you a confirmation letter to your

email (the mail that you sign up PayPal with) that you have successfully created a PayPal account and activating it by clicking the link from your email that they send to you.

9. CONGRATS! You have just opened a Free PayPal account!

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3. How to get a Malaysian Debit/Credit Card to Verify your PayPal Account Skip Chapter 3 if you already have a Malaysian Credit/Debit Card. As mention in Chapter 2, Item 7, you need to verify your PayPal account with a Debit/Credit Card for you to be able to use PayPal. Below are the benefits of having your PayPal account verified:

1. You can send unlimited funds 2. You can withdraw money from your PayPal Account.

If you do not get it verified, you will not be able to withdraw money from PayPal and you can only send a limited amount of money. An unverified PayPal account only allows you to send money (limited) and buy items. With that said, let’s get started on how to obtain a 100% approved Malaysian Debit/Credit Card for you to register and verify your PayPal account. There are many banks in Malaysia that offers a Debit Mastercard, but I personally prefer AmBank’ NexG™ Prepaid Mastercard.

1. Go to any 7-11 convenient stores and purchase a AmBank NexG™ Prepaid Debit/Credit Card. It’s only RM25 (price as of the time this eBook is written)

2. After purchasing the AmBank Mastercard pack, open it and put your signature on the reverse

side of the card. 3. Complete the Registration Form inside this pack and send it along with a copy of your NRIC in

the Postage Paid Reply Envelope provided or fax to 03-2164 0497. You can also go directly to any AmBank branch to register it personally. Important Note: Please apply for an Ambank Online Banking too.

4. Wait for a few days for them to call you to verify and confirm activation of the card.

5. Once your card has been confirmed and verified, you can use it immediately by topping-up with

cash at any AmBank branch or merchants where you see the NexG™ Top-Up Logo. Please top-Up at least RM50.

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UFrequently Asked Questions (AmBank’ NexG UTU™UTU Prepaid Mastercard)

1) What is AmBank NexGT™T PrePaid MasterCard T® T all about? This is a PrePaid MastercardT® T that you can use to purchase goods just like a credit but with spending limited to the amount of money you place on the card - like your prepaid phone card.

2) How do I use it? Just present it to the outlets where MasterCard T® T cards are accepted and it

will be inserted into an EDC terminal (credit card terminal) for approval, just like a normal credit card transaction.

3) Where can I use it? Worldwide where MasterCard T® T is accepted for both online and offline

transactions. 4) Who can qualify for this card? Anyone. Unlike a regular credit card, there is no income

qualification. 5) Where and how can I top-up?

• Using cash at AmBank Branches: - Over-The-Counter; or - Cash Deposit Machines

• Top-up centres where you see the NexG™ Top-up logo - available from 1 August 2006

• Fund transfer (if you have an AmBank account) via ATM or online at www.ambg.com.my

6) How much can I top-up? You can top-up in denominations of RM30, RM50, RM100, RM200 and RM500 at any location you see with NexGT™T Top-up logo, via AmBank Cash Deposit Machines and internet banking. You can reload up to a maximum available balance not exceeding RM10,000 at anytime given. TNote: The minimum top-up is RM100 over the counter at AmBank Branches.

7) Can I withdraw cash from the Card? Yes. A PIN will be sent to you upon registration which

will allow you to withdraw cash from any AmBank ATMs at over 170 branches nationwide.

8) How do I keep track of my spending? Your available balance will be featured on your top-up slips. Statement of Account is available via ambg.com.my

9) What other benefits can I enjoy? Besides the cash-free convenience, you will be rewarded

with bonus points, monthly discounts and other privileges via m-coupon. 10) What happens if I lose my Card? Report loss of card immediately to AmBank at 03-2178

8888. 11) Is there a helpline I can call? Call AmBank Contact Centre (24/7) at 03-2178 8888. 12) Fees and Charges Starter Pack Price: RM25 per pack Monthly Fee: RM3 per month - deducted automatically from top-up value Cash Withdrawal: Zero fee through AMBank ATMs. RM10 or 5% whichever is higher through

the CIRRUS/PLUS network worldwide Overseas Transactions: Foreign Exchange/Conversion Fee based on 1% of the purchase

value and a Retail Transaction Fee of RM1 per transaction

4. Verifying your PayPal Account with a Malaysian Debit/Credit Card Okay, now that you have a Debit/Credit Card, on to get your PayPal account verified:

1. Login into your Paypal account using the username and password chosen by you. 2. In your PayPal account overview page, you will notice that your status is “Malaysian –

Unverified”. Click on that link.

3. You will then be directed to a verification page as shown below. Click on “Get Verified” button.

4. Once you’re in the “Add Credit or Debit Card” page, please fill in all your Debit/Credit Card

particulars. Make sure the billing address is the same as what you registered the card with. Once finish, click “Add Card” button and PayPal will send you an email confirming that you have successfully added a Debit/Credit Card. PayPal charges you a one time fee of $1.95 USD.

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5. Now, all you have to do is, wait for your Debit/Credit Card statement to arrive. 6. In the item description section of your next credit card statement, your 4-digit Expanded Number

will be printed next to the $1.95 USD PayPal Expanded Use Fee (example, PayPal 1234*(EXPUSE)). Check your next statement to find your unique Expanded Use Number.

7. Go to https://www.paypal.com/MEM-NUMBER and type in your unique Expanded Use Number.

8. It is best if you can access your credit card statement online, it may take up to 4 business days

or more for your Expanded Use Number to appear. If you don't have online access to your credit card statement, please wait for your printed statement to arrive in the mail*

*IMPORTANT NOTE: PayPal strongly discourages users from calling their credit card companies in order to obtain their PayPal Expanded Use Number before receiving their monthly statements in the mail. If PayPal receives a complaint from Visa, MasterCard, or your card issuer regarding your account, your PayPal account may be permanently closed.

9. After you have entered your Expanded Use Number, your enrollment will be complete.

10. CONGRATS!!! You now have a VERIFIED PayPaL Account!

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U4. Withdrawing Money from PayPal to Malaysia There are many ways to withdraw your PayPal funds into Malaysia like buying/selling with other PayPal users which is against PayPal’s T&C. You can apply for an online Debit Card. You can also apply for a US HSBC Bank Account and then transfer the money into Malaysia through HSBC Debit card and more…..But in this chapter, I will only recommend one (1) safest method that I’m comfortable with and will explain in detail how to do it so you do not get confused. UOpening an International Bank Account and Debit/Credit Card (for non US citizens)

E*TRADE Financial

This method is the best method that I am comfortable with as in my opinion, its benefit are far better than the rest. Below is the reason why I prefer using this and I highly recommend this method to you:

- It’s FAST, FREE and EASY to apply - FREE VISA Platinum International ATM Debit Card - FREE ATM withdrawal. No fees for the first year or for a “special” account holder. - Non US citizen can apply. - Checkbook facility - Transfer PayPal money into E*TRADE account and withdraw from E*TRADE Debit Card

Worldwide. - Online Banking and more…..

Great bank, don’t you agree?! Okay, let’s get started on how to apply for an E*TRADE account.

I. First, open up the forms folder that came with this eBook. If you do not have the forms that came with this eBook, please HTUCLICK HEREUTH to register and download the forms. Or you can create the form online HTUHERE. UTH

II. Once you have unzipped the forms folder, please open “Brokerage Account Kit.pdf” first.

III. Fill up the form as follows:

1. “Choose Your Account Type” • Please Tick “Individual Account”

2. “Enter your Account Holder Information”

• Fill in the “Primary Account Holder” section ONLY. • Fill in your VALID details • For the 3 questions area below “City, State & Zip, please tick NO to all three. • In the “Passport Number” section, enter your NIRC/MYKAD number • In the “Passport Country of Issuance” and “Country of Legal Residence”, key in

“Malaysia”

3. “Create Your Investment Profile”

• Tick “Capital Preservation” • Fill in the rest as you deem fit

4. “Select Your Account Features”

• In “Taxable Income”, tick on the second box

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• Leave “Tax-Exempt Income” section empty • In “Cash Management Features”, please tick the two boxes.

5. “Fund Your Account”

• Tick on the “I plan to wire funds from another financial institution”.

6. “Sign and Date Your Application” • Tick on “I’m not a US person…….” • Signature and Date • In the “Printed Name”, write down the name that you want on your “Platinum

Card”.

DONE! Next we move on to fill up the second form which is the “W-8BEN” form. 1. “Identification of Beneficial Owner”

• Write down your full name • In the “Type of beneficial owner”, tick “Individual” • Fill in your personal address details.

2. “Claims of Tax Treaty Benefit” • Tick box “a” and type in “Malaysia” on the doted line.

3. “Notional Principle Contracts” • Tick on box number 11.

4. “Certification”

• Sign on the dotted line and fill in the date • In “Capacity in which acting”, please write “Individual”

DONE! Now you need to photocopy your “MYKAD” Identification Card and attach it together with the forms (3 pages of Brokerage Form & 1 page of W-8BEN Form) and mail it to:

IMPORTANT UPDATE AS OF JULY 2007: Recently, Etrade has directed all new applications to HK Asia Pacific office to process all Asian application and this method can’t be used if they did that. Some have tried sending to US office and got their application approved in US and some applications were sent to HK. Whatever it is, it’ll all depend on your luck if you get it…So, I suggest that you try mailing this to US office below and try you luck if you will be given a US address or not. Good Luck.

By regular U.S. snail mail: Etrade Financial E*Trade Securities LLC P.O. Box 1542, Merrifield, VA 22116-1542 OR By overnight express mail: E*TRADE Securities LLC 671 Glebe Road N., 11th Floor Arlington, VA 22203

IV. Depending on your choice of mailing and where you are mailing from, your E*TRADE account particulars will be mailed to you within a time frame of 30 Days.

V. Once it arrives, you should have Two (2) letters. One letter is your Account Login

Information. The next letter will be your Account Login Password. Just follow the instruction in the letters.

VI. Login to your online E*TRADE account and apply for your FREE VISA Platinum Card to

be delivered to you.

IMPORTANT NOTE: - At the moment, your online account has limited access with only the standard features. To be able to view your online account balance, account statements and use the full online features, please photocopy your Malaysian Identity card and fax it over to +678 624 8465. Before faxing, make sure you write down your 8 digit e*Trade account number on the top page of your photocopy. - Before getting the FREE VISA Platinum International ATM Debit Card, you have to have at least $25 USD in your E*TRADE Account. Try to buy or debit in the money into your PayPal Account and then transfer the money into E*TRADE Account. I will show you in the next chapter below on how to link/transfer your PayPal money to E*TRADE.

This is a snapshot of my E*TRADE Platinum Card when it arrived via FedEx.

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4. How to Transfer your PayPal Money into E*TRADE In order for you to transfer your PayPal money into Malaysia, you have to first transfer your PayPal funds into E*TRADE and then only you can withdraw money in Malaysia with E*TRADE Platinum Debit Card.

1. Login into your Paypal account and click on the “Withdraw” button located on the top as shown

below. Click on the “Transfer funds to your bank account”.

2. Fill in the form as shown in RED below and click “Continue”.

3. That it! Congrats! Now you can transfer your PayPal funds into E*TRADE and withdraw money

through your E*TRADE Platinum Debit Card in Malaysia.

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U5. How And Where You Can Find Money Making Resources, Tools & Tips. This is a Bonus Chapter which I hope to share with you and hope that you will find it useful. On this page are my personal recommendations of some great resources and tools to help you. Most of them are FREE. ☺ For some, you have to pay for it but at least it’s a quality product and not some junk that you blindly buy and/or download. Slowly read, view and understand what you have downloaded and try not to get too much of information overload. You don’t have to get all, just get what is needed or not. No obligations. Go through them one at a time. Enjoy!

UUltimate Website Videos by Ewen Chia. U

If you've ever wanted to SEE exactly how you can start and profit from your own website immediately, download this $427 video package from Ewen Chia (World’s No.1 Super Affiliate and he is an Asian from Singapore) I've asked Ewen to put together this incredible collection of "Ultimate Website Videos" just for you, and it's jam packed with step-by-step video tutorials walking you through the entire process of website profit generation! I've even twisted Ewen's arms to give you full MASTER resale rights to this package! It's crazy, and it's all yours at absolutely no-cost. Limited time only. HTUCLICK HEREUTH.

USearch Engine Optimization (SEO) by Brad Callen.U

Learn how to bring organic traffic consistently average over 15,000 visitors to your websites, per day - Using only FREE search engines traffic from Google, Yahoo, and MSN!" from Bard Callen (search engine optimization expert.

HTUCLICK HEREUTH.

UGoogle Adwords Made Easy by Brad Callen.U

Another priceless eBook about Adwords and keyword generation research by Brad Callen. Learn how all about adwords and finding the right and high paying organic keywords search from Google, Yahoo, and MSN to bring traffic to your website. HTUCLICK HERE.

Affiliate Project X. Discover the affiliate secrets that the gurus have been keeping from you. The methods the real super affiliates use to make $500 per day, finally revealed by the one guy they trusted to keep quiet... Quit your job and finally crack the ClickBank affiliate code and unleash untold riches. Learn the top secret methods used by the super affiliates. Step-by-step techniques explained in raw detail - all inside... By reading this eBook, you’ll be able to start your online affiliate business right away with the tools and help from Chris, the author of this eBook. CLICK HERE.

Design Dashboard This is highly recommended design software to buy if you don’t know anything about web page design. Design Dashboard Is The Only "Point 'n Click" Design Software That Creates Adsense Web Pages, Landing Pages, Mini-Sites & Blogs That Sells Your Product Like Crazy! CLICK HERE.

Okay, that’s it for now as I don’t want you to get too much of information overload. From time to time I will email you more free stuffs and recommendations. If you haven’t sign up for my newsletters, please do so now by visiting my blog HERE. Good Luck & To Your Success

Matt Ng Updated on July 2007.

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