The cards determine everything about a player character, they are not mandatory for a dm to use on npcs, I will explain how npcs function on another page but here I will explain how to make player characters. Fun note, the dm is allowed to be part of the adventure but they must play in an unbiased manner, that means their characters can die too, they don't always get the best loot, not every character they have is famous or infamous or the best. If you don't want your players to alpha game or cheat then lead by example.

Character Cards 
Character Stats
Character Race
Character Inventory
Character Spells and Techniques
Character's Treasure