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Getting to Know Karatbars International Training Guide

Table of Contents

Page

Company Description 2 Product Description 3 Affiliate Enrollment Description/Definitions 6

Promoting Affiliate Enrollments 6 Dual Team Affiliate Business Packages 6 Why Join as an Affiliate? 7 Bonus Cards and Discount Cards 9

Direct Enrollment Commissions on Business Packages 10 Business Package Commissions 10 11 Dual Team Cycle Commissions 11 Important Things to Remember About Earning

Commissions 12

Leadership Bonuses 13 Units Earned for Products/Purchases 13

How Are Commissions Received? 14 How to Get your Mastercard Auto-Save Program Steps to Registering an Affiliate

14 15 17

Frequently Asked Questions 19 24

Important Reminders 26    

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Company Description What is Karatbars?

-bars and gift items in gold bullion (unique, affordable, and practical products with few real competitors). Karatbars was founded in 2011 and is a legally registered company based in Germany catering to the global market. Through its affiliates, it is now represented in over 120 countries and that number continues to grow. There is virtually no limit to the growth potential or demand for the products offered. Karatbars offers its products through a network of independent affiliates who participate in a network marketing compensation program. This program, although similar to multi-level marketing (MLM) is not the latter. Nor could the plan be categorized as a pyramid, Ponzi, or other type of scam system. It is now open in 121 countries as of preparing this document. No such plan could operate successfully in 120+ countries if it were not legal, pyramided, or so categorized. Here some key reasons the Karatbars affiliate based marketing system is so unique:

Anyone can join without purchasing any products or paying to become an affiliate & still receive a commission for referrals.

The reasons and benefits for purcown future savings is clearly laid out & the basis is well established in fact.

There are no inventory purchase requirements for the purpose of reselling to others; nor is purchase of any other products required.

The methods by which one can become an affiliate and receive commissions are clearly laid out. An easy to understand plan of action is provided with reasonable examples of what can potentially be earned with greater effort and if future referrals do the same. Karatbars International does not offer promises of high cash returns on investment at some future date.

As with any position as a commissioned sales person, or entrepreneurial venture, time, effort and money must be invested to obtain maximum results.

Although similar to an MLM, Karatbars affiliates do not supply products to customers. Customers buy when they wish, in amounts they wish, directly from Karatbars for their own benefit.

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The product acquired (gold) is a timeless commodity/real asset, which retains its value.

Simply put, affiliates show others how to open their own gold saving accounts, and when these affiliates or customers use their portal to exchange their paper currency for real gold money, a commission is generated to all upline.

Product Description

What are Karatbars? Karatbars are pure gold bullion in small, usable/portable quantities as a means of personal wealth protection. Karatbars are 999.9 pure gold (24K), that is heat sealed (laminated) into a card similar to the size of a credit card. The card itself acts as the certificate, which aids in proving authenticity. Karatbars are produced in 1 gram, 2.5 gram and 5 gram weights with a security hologram. Why Karatbars? Anyone with knowledge about our current economic condition and the devaluation of the dollar (or the fiat currency of their own nation) can see that gold is a valuable asset, which serves as a hedge against inflation

Every paper currency in history that was not backed by silver or gold, has eventually gone to zero.  

  Since 1969, gold has outperformed every other asset class.  

  Gold is up +300% since 2003, even after its fall in 2012 and 2013,

whereas your paper currency is at least 20% down in spending power in the same time frame. (Where would you be today, if you had regularly acquired gold over the last 10 years -when it was $300 to $400 per ounce back in 2003, up until now?)

Gold is a liquid, tangible asset that has had value for over 5,000

Egyptians everyone has valued gold throughout history.

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Karatbars are certified in four ways for your protection:

1. Assayers signature for weight, millesimal purity and fineness (1 g cards are actually 1.01 g)

2. Hologram (Kinebar)

3. Serial Number (with QR code unique to that serial #)

4. LBMA Stamp means the gold is produced by a refiner who is on the LBMA gold delivery list; may be used as settlement of debt in the bullion markets.

rrency-sidered currency.) Karatbars

gold is produced by an LBMA (London Bullion Market Association) accredited refinery and is refinery must adhere to strict standards to achieve this accreditation (+3 years of zero issues). Only 73 refineries worldwide currently meet this standard.

Karatbars are privately issued. They are produced and minted by a private refinery exclusively for Karatbars International.

Karatbars contain gold that is guaranteed the highest quality grade gold you can purchase and can easily be resold. (K-Exchange Center, merchant market place and Karatbars offers a best buy back price.)

Karatbars gold is NON-seizable under the current International Bullion Laws and U.S. Law.

Karatbars are packaged and assembled under the strictest surveillance, and are unable to be counterfeited. The card itself is a globally recognized certificate guaranteeing that its contents are genuine.

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videotaped and all card numbers are logged 2. Insured through Fed Ex during shipment.

no mercury or cyanide are used in the extraction process.

Karatbars can be used as a savings plan, gifts, barter, and incentives for product purchases and employee performance.

Karatbars International does not report any transactions under $10K to any government entity.

The free vaulted storage option helps to offset the expense of shipping store your gram gold cards and accumulate with piece of mind until ready for shipment.

Karatbars International does not apply to FTC or BBB or any other jurisdiction not held under the International Bullion Laws.

Karatbars are 1.01 grams and above the legal limit for the VAT tax.

** Getting paid to acquire gold is better than buying it at any price

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Affiliate Enrollment Description/Definitions What is an Affiliate? An affiliate is an independent contractor who gets paid by helping others

MO Uni Level Affiliate Free membership level whereby commissions can be earned from the acquisition of gold from your affiliate website. Dual Team Affiliate Acquire one of four possible packages to earn higher commissions (which are paid out weekly). The commissions are based on acquisition of gold from your affiliate website as well as direct and indirect affiliate enrollments

Promoting Affiliate Enrollments Enrolling as an affiliate is perfect for anyone interested in building additional compensation or establishing a reliable savings plan. This includes stay-at-home moms/dads, retirees, part-time/seasonal employees, college students, businesses specializing in survival/prepping/natural health, radio programs promoting products, experienced sales people with knowledge of the economy and devaluation of the dollar and anyone who values acquiring gold as a hedge against inflation.    

Dual Team Affiliate Business Packages    When you purchase a package, you will begin to accumulate units from the purchases of the people in your left and right legs. You will not accumulate units until you have purchased a package. Affiliates who have acquired a business package participate in both the unilevel compensation plan as well as the dual team system.  

 

 

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Package Dual Level Business Package Contents Approximate Cost

Pay in Direct Commissions

Pay in Dual

System Cycle

Digital Bronze 5 Units

1 100 E Bonus Card ($135 value), 1 3% Discount Card (value determined by amount of gold purchased for 12 months), ability to participate in Affiliate Compensation Plan at the Bronze level.

99 /~$135 (USD) 5%

10 Euros $14

Silver 20 Units

1 Gram of Gold ($65 value), 3 100 E Bonus Cards ($405 value), 3 3% Discount Cards, (value determined by amount of gold purchased for 12 months), Brochures, ability to participate in Affiliate Compensation Plan at the Silver level.

~280 /~$350 (USD) + shipping

10% 40 Euros

$52

Gold 50 Units

2 Grams of Gold ($130 value), 7 100 E Bonus Cards ($945 value), 5 3% Discount Cards, (value determined by amount of gold purchased for 12 months), Brochures, ability to participate in Affiliate Compensation Plan at the Gold level.

~623 /$810 (USD) + shipping

15.00% 60 Euros

$78

VIP 100 Units

3 Grams of Gold ($195 value), 20 100 E Bonus Cards ($2700 value), 10 3% Discount Cards (value determined by amount of gold purchased for 12 months), Brochures, ability to participate in Affiliate Compensation Plan at the VIP level.

~1605 /~$2172 (USD) + shipping

20% 80 Euros

$104  

  ***Note: All dollar amounts vary depending on the price of gold and the conversion rate from euros to dollars on any given day. An approximate 3% fee is passed on by Karatbars for credit card processing and most credit cards charge approximately 3% as well for the international charge. (These charges are on top of the total cost and shipping charges.)    

Why Join as an Affiliate?

By enrolling as an affiliate, you are not only building wealth for yourself and your family, but for everyone involved in your affiliate

to turn their paper currency into a better medium of exchange gold

There are 4 types of packages to choose from, making it affordable

for anyone to join. The higher the affiliate level, the higher percentage of commissions you will receive out of the dual team system!

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The silver, gold and VIP level packages will receive Karatbars gold

card(s) with their acquisition (1 for silver, 2 for gold and 3 for VIP).

Affiliates and customers are NOT required to acquire inventory to be resold. Affiliates are not retailing gold, they are showing others how to set up their own free gold saving accounts.

Affiliates operate at their own pace and leisure. No purchasing,

selling or affiliate enrollment numbers are dictated or required by Karatbars International.

Affiliates and customers are not required to provide a social security

number, tax ID or EIN (employer identification number).

No monthly purchases are required by affiliates or customers.

There is a one-time only payment for enrollment in the dual team

yearly afterward.

The affiliate registration & package selection process is easy and there are many lines of assistance available for those in need.

There is an endless cycling of commissions and opportunity for

growth.

Affiliates are promoting the acquisition of a valuable, tangible asset used as a hedge against inflation.

You can walk away at any time without penalty or fees.

Affiliates who purchase a package will also receive discount cards

that can be used for the purchase of gold, as well as bonus cards to be used for K-Exchange products, branding cards or credit towards the VIP package and/or upgrade.        

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Regardless of which package is chosen, an affiliate who regularly exchanges paper currency for Karatbars gold will realize more in savings by using the package discount cards than they used to acquire the package, plus the gold they acquired along the way to show for it!  

 Bonus Cards and Discount Cards  

 The 100 (Euro) Bonus Cards: With bonus cards, your affiliates and customers, as well as you, get a discount of 100 , redeemable for: K-Exchange Center products, branding cards and for credit towards the VIP package and/or upgrade. They are for your personal use or to give to someone else. It saves approximately $135 (100 x 1.35 = $135). The 3% Discount Cards are used to discount the price of gold purchased or other products. A card is good for 12 months from the time activated. You can also give these to other people for their use!  Both the 100 Bonus Cards and 3% Discount cards can be used as incentives for others and/or you can use them yourself! As soon as you purchase a package, it is important that you take the numbers from a digital 3% Discount Card and enter into the order section of your website so that anytime you order, you will get a 3% discount off the price of gold. Ask your personal enrolling affiliate to help you do this.    

Here are the steps for entering the 3% discount code. 1 Log into your back office

2 Click on the "My Gold" tab

3 Click on the "Digital Bonus Codes" tab

4 3% Discount Codes will begin with "3 Prozent Vorzugspreis..." Copy the code, they call it "coupon".

5 Now click on the "Product Purchase" link. Take the steps as if you are going to purchase a Karatbar, you aren't going to actually purchase anything, you're just going to enter the code.

6 Choose something to purchase. Add to cart.

7 "View Cart," then click "Checkout" (remember, you are not actually purchasing anything at this time).

8 When you get to the page where it says "Bonus Card Options", paste the code numbers into the spaces. If you put your cursor on the left space, the code will automatically fill the rest of the spaces.

9 Once you've pasted the code, click on the "log out" link in the upper right hand corner and your shopping cart will empty out! The code is now there for any future purchases. The code is good for 12 months.  

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Direct Enrollment Commissions on Business Packages

who purchases a business package.

The amount of commission is determined by your business level at the time your enrollee acquires a package as well as the business level they acquire. See the chart below.

You will also earn a commission if they upgrade to a higher package. Your commission will be based on the price difference they paid for the upgrade.

As you can see in the chart below, the higher your level, the higher the amount of the commission you will earn.

Business Package Commissions

When your personal enrollee purchases

If you are a Bronze, you

earn 5%

If you are a Silver, you earn 10%

If you are a Gold, you earn 15%

If you are a VIP, you

earn 20% Bronze Package, 99 $135 $7 $14 $20 $28

Silver Package, 280 /$327 $16 $32 $49 $64

Gold Package, 623 /$810 $40 $80 $121 $160

VIP Package, 1605 /$2172 $109 $218 $326 $436.00    **Note: all the above amounts are approximate, depending on the price of gold on any given day.                  

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You also earn commissions when you cycle. So, what's a cycle? Every product that Karatbars offers has a unit value attached to it (including affiliate packages). This means that when someone in your dual team group acquires a product or affiliate package, units are earned by you and everyone in the upline! The more products/packages that are acquired, the more units accumulate. When you have a total of 75 units, 50 units on one leg and 25 units on the other leg you "cycle" and earn a commission.

Example of a "cycle" Let's say, a person in your left leg buys a Silver Package that is 20 units and if another person in your left leg buys a Bronze Package that is 5 units. You now have 25 units in your left leg. And if a person in your right leg buys a Gold Package that is 50 units. You would have 50 units in your right leg. Therefore, you now have 25 units in your left leg and 50 units in your right leg, so you would "cycle" and be paid a cycle bonus commission.

Your cycle commission is determined by your business level at the time you cycle. The higher your level, the higher the amount you earn.

Dual Team Cycle Commissions

 

Your Rank Dual Team cycle payout

Bronze 10 /$14 US

Silver 40 /$52 US

Gold 60 /$78 US

VIP 80 /$104 US    

Note: because the price of gold changes, the amounts in the above chart are approximate depending on the price of gold at any given time.  

 

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Important Things to Remember About Earning Commissions  1

ALL registered affiliates earn commissions from the unilevel compensation plan. The dual team system is OPTIONAL to participate within.

2 In order to earn commissions in the dual team system, you must acquire a Business Package.

3 You will NOT accumulate units from the acquisitions of those people beneath you in your right and left legs unless you have acquired a Business Package.

4 You "cycle" when you have accumulated 75 units, 50 on one leg and 25 on the other leg.

5 When you "cycle" the unused units do not go away, they stay there and go toward your next cycle!

6 Go to http://learnaboutkaratbars.com/Mastercard.htm so that you understand how you receive your earnings.

7 Even if you have earned commissions, if you haven't uploaded your KYC docs and been approved, you will not get those commissions until you get approved.  

 

  You can enroll as many people as you like. Everyone you enroll will go either on your left team or your right team in the dual team system. In the unilevel compensation plan, everyone you personally enroll, will be on your

more, but they still count for you and all those people above that affiliate, between you and that affiliate. If someone 100 levels down from you acquires a package or gold, you will still receive the units on that acquisition. No matter how large your organization grows, you will always maintain every unit earned in your organization. So, as people in your left and right legs continue to acquire packages and gold, you will continue to accumulate units and you will continue to cycle and earn commissions. At the end of the week, any unused units stay there until you accumulate enough units to cycle again. If you upgrade to a higher package, you pay approximately the difference between the cost of the package you've already acquired and the new package.                

 

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Leadership Bonuses

 Unilevel Bonus - Differential commissions are paid between your Uni-Level Rank and those in your organization. In order to be paid the differentials, you need to stay one rank ahead of all others in your group.

Direct Gold Commissions - Determined at month end,based on your rank and what percentage you will be paid on your direct customers' gold purchases.

Generational Bonus - Applies to those who are Gold Director Elite status in the uni-level.  

** Details are in the Affiliate compensation plan pdf that can be downloaded in your back office.  

 Units Earned for Products/Packages

Every product that Karatbars offers has a unit value attached to it. This means that when someone in your dual team group acquires a product, units are earned by you and everyone in the upline. Below is a chart with some of the most popular products in Karatbars.

 Product Units Per Item

Bronze Package 5

Silver Package 20

Gold Package 50

VIP Package 100

1 gram Karatbar 1

2.5 gram Karatbar 2

5 gram Karatbar 3    

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How Are Commissions Received? When you earn commissions in Karatbars, your earnings will automatically be transferred to your Karatbars Mastercard. Earnings that are paid weekly are transferred to your Mastercard on Fridays, the Friday following the close of the previous week (there is a week's lag time).  

 How to get your Mastercard  

 When you've earned 35 /~$45 in commissions, you will automatically be issued a Mastercard, it will be mailed to the address you provided when you enrolled, at the end of the commission cycle in which the affiliate has become eligible. The card will come from Prepaid Financial Services in Mayfair, London, UK.    The cost for the card and the minimum deposit required will be taken from your commissions. Set up of the card is 20 /~$30 and the balance of 15 /~$25 is the amount for the minimum deposit on the card.    Note: The card may also be pre-ordered (cost of 20.75 /~$45) prior to any commissions being earned if you have acquired the Silver business package or higher prior to pre-ordering the card. Log into your back office and click on the "purchase product" tab and it will be listed there.    In order to use your card, you must first follow these simple steps.

1. Sign your name on the reverse of the card. 2. Activate your card, and get your PIN by phoning any of the following

numbers (MAKE SURE TO WRITE DOWN YOUR PIN #): +44 (0) 203 327 1992 +44 (0) 203 468 4112 +44 (0) 207 183 2248 +1 877 239 3069 (toll free in North America) +1 778 785 3876 (direct dial for Canadian customers)

You will be asked to enter the 16-digit card number on the front of your card and your 6-digit date of birth (MM/dd/YY). Once you have entered this information correctly, your card will be activated and your PIN will be revealed. Please keep your PIN safe and do not share it with anyone. You can now load your card, and start spending.

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Once you have completed these steps, your card is ready to use online, over the phone and at over 28 milllion locations worldwide where MasterCard is accepted. **Please note: Future commissions will not be transferred to your card until you activate it, your commissions will say "pending" because they cannot be transferred to your card. Your card will show a zero balance until the first commission period AFTER you activate your card. To access your card, log into your Karatbars backoffice, click on the "Commissions" link, then "Card Login". In the middle of the page you will see "For your Karatbars Prepaid Card: please click here". You will be taken to the Prepaid Financial Services website. Enter your 16 digit card number and the PIN that was given to you over the phone when you activated your card.    You can check your balance and activity.    Remember: the amounts in the Prepaid Financial Services website are in , you can multiply the by ~1.30 to get approximately the amount in U.S. Dollars! If your Card is lost or stolen you must contact Prepaid Financial Services immediately by phone so they can take the appropriate action to prevent any fraudulent use of your card, and arrange a replacement to be sent.

Auto-Save Program During the given month, the uni-level commissions AND the dual team system commissions are added up at the end. Whatever is generated, whether 200 euro, 1000 euro, 2500 euro, or 4000 euro, will then be triggered to save 1, 2, 3 or 4g. It occurs ONLY ONCE per month. As seen below, the amount of converted gold will depend on your commission, which is in the "pending payout" account.

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1 gram of gold.

of 2 grams of gold.

of 3 grams of gold.

of 4 grams of gold. Please note however that your personal monthly purchases will be taken into account. Meaning that if you have already made a gold purchase of 1, 2, 3 or 4 grams in a month, there will be no additional automatic purchase, depending, of course, on how much you have earned. Every Auto Save is calculated for 1 full month. The Auto Save checks if you have an active automatic monthly purchase already in place or if you have made any one time gold purchases this month, after this it checks how much commission is on your "pending payout" account. E.g. If you have set your automatic monthly purchase to 1g of gold and the commission on your "pending

gram of gold.

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Steps to Registering an Affiliate:    

Always "walk" your new affiliate through the enrollment process, or in some cases, do it for them with them on the phone or with you to provide the necessary information.

1. When you are ready to enroll yourself, or someone else, you need to call the credit card company or debit card issuer/bank and tell them there will be an international charge made and make sure they are aware and will approve it. The recipient name is set as KBARSG8 they should authorize transactions using the KBARSG8 merchant name.

2. Before you enroll a new person, decide where you want them to be,

where the computer decides how to most effectively place that sure you go to your back office

before they enroll and set the placement. Go to "Team Statistics" then "Dual System". Discuss with your upline enroller if you should place them on the left or right.

3. You will enroll them on your personal Karatbars website. Your

website will be www.karatbars.com/?s=yourusername

4. Click on "Registration" at the top right or bottom right in green.

5. Choose the "Become an Affiliate" option.

6. Verify that your username is in the "Sponsor Details" box, if it isn't there, the new affiliate is not on your personal website. Do not enroll them unless you are on the correct site. Your Karatbars ID should also be filled in with your personal ID number.

7. Complete the form, with their username, password and email address, agree to the Privacy policy terms. Click the continue button.

8. Complete the "International Registration Form" with their name, birth date, address, country, phone number they usually use, and then click the "Register" button. You will be taken to a page that says you've enrolled them correctly. Note: when you enter your phone number, there is already a +1

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there, leave it, and add your area code and number, no hyphens. i.e. it will look like this: +13605551629

9. Enter their karatbars affiliate website you are directed there after the initial registration process. (your website will be https://www.karatbars.com/?s= and your user name you choose)

10. Go to "Log In" and enter the user name and password that was chosen for the affiliate.

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12. page) In step 1 you will choose the membership level select English as the language, check to make sure the quantity is one and click the blue

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14. This next step is where you will need to select the credit card type

and provide a credit card number. (Make sure the credit card company has been contacted to let them know to that there will be an international

name, credit card number, expiration date and CVC code (3-digit number on the back). Finish payment process.

15. 2: Upload KYC documents". Select the document type, choose the file and upload the selected file. **Important: The ID card and proof of address must be kept in two different files. Proof of Identification Passport,

must contain phone + name + date of birth; Proof of Address - Utility bill, phone bill or bank statement preferred -

own, the document should not be older than 6 months, this is where everything Karatbars ships to you will be shipped).  Maximum  file  size  is  10mb  per  document.  Allowed  file  formats:  JPG,  JPEG,  GIF,  PNG,  PDF.  

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Frequently Asked Questions

Q: Other than being pretty and shiny, why would I want to buy gold? A: Gold offers protection against inflation, gold is a stable investment in times of crises, the demand for gold is higher than the supply, you can actually barter or trade with it, financial advisors suggest you have at least 10% of your portfolio in gold, and gold bars are considered global cash. Therefore, gold is security for you and your family! Q: When I take the cost of an ounce of gold and divide it by 31.1 (the number of grams in an ounce of gold), the result is a lot less than the actual price for a gram of gold. Why is that? A: As with most things, the larger the amount of goods you purchase at a time, the less you pay per individual portion. For example, let's say you purchase a gallon of milk at the price of $2.99. If you divide that by 4 (there are 4 quarts in a gallon) the cost for a quart of milk would be $.75, but the actual cost for a quart of milk at the same store at the same time is $1.35. You can see in this example, when buying in a larger quantity, the cost per quart is much lower. Remember, make sure you are comparing apples to apples when looking at prices, not all gold is the same! In addition, if you are becoming an affiliate, we can show you how to earn perpetually FREE gold! That's better than any price! Q: Why would people buy gold by the gram if it is more expensive by the gram? A: Because it is affordable to "the masses"! Many people just don't have $1300 or more to buy an ounce of gold, but they understand the value of having gold. Q: How do I know the gold in Karatbars is really high quality gold? A: Karatbars have the embossed stamp of the LBMA refinery on the one gram gold bar that certifies quality and weight. The LBMA stamp is one way to confirm this is not fake. Also and the card is sealed with a thin film providing additional security features. There is also the Karatbars unique multi-dimensional hologram that covers the one gram gold bar on the back of the card to be sure it cannot be tampered with without being noticeable. All of these features enable any informed individual to quickly and instantly confirm the karatbar is genuine and is not counterfeit. Q: What is the LBMA? A: The LBMA (London Bullion Market Association) is an international trade association, representing the London market for gold and silver bullion which has a global client base. This includes the majority of the gold-holding central banks, private sector investors, mining companies, producers, refiners and fabricators. The refineries

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Karatbars uses must adhere to the standards of the LBMA to keep their certification intact. To learn more about LBMA, go to www.LBMA.org.uk Q: What do 999.9 and 24K stand for? A: Both 999.9 and 24K are methods to measure the purity of the gold. To get technical, the 999.9 percent of purity uses what's called the "Millesimal fineness" of an alloy. So if gold is 999.9, it is 999.9 percent pure gold. The gold content of alloys is also measured in carats (k). Pure gold is designated as 24K. Because 24K and 999.9 gold contain such high quantities of pure gold, they are too soft to be used in jewelry. They are often combined with other metals to create an alloy for jewelry making. Generally, the purer the gold, the lower the amount of other metals found in the alloy. So only 24K and 999.9 gold can legally be called "pure gold." Q. How do I actually get the gold I purchase from Karatbars International? A. Karatbars will ship you your karatbars by Federal Express at a shipping cost of $25 (flat rate) when you request it, or you can store it in one of their secure storage facilities. The shipping charge is for one gram, up to 99 grams. 100 + grams will ship for free. Q. Am I obligated to purchase a certain amount of gold if I enroll in Karatbars? A. No, it is your decision how much gold you want to purchase and how often you want to purchase it. That's the great thing about Karatbars International, you are not obligated to ever buy any if you choose not to! You are in control! Q. How do I know Karatbars International is a legitimate company? A. They are a member of LBMA and as so, must follow strict policies to keep their membership. They are registered with the WTO as an ecommerce company with an affiliate program. You can rest assured the company is legitimate and of the highest standards. Q. What if I want cash for my Karatbars, how can I convert them? A. Karatbars International has a buy-back option where you can sell your Karatbars back for the current buy-back price that day, less a small fee. Your money is put on your Karatbars Mastercard debit card. You can go to a local gold dealer and they will buy them from you at the going rate on that day. Remember, Karatbars are 999.9 24K gold. Q. How do I convert to dollars? A. Multiply the by 1.3 to convert to dollars (whatever the day's foreign exchange rate). www.x-rates.com/calculator is a good website for the current conversion rate.

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Q: I have seen three different people on the videos make three different statements pertaining to the required amount of gold purchased per month and the # of referees per month to maintain the requirements to receive all the bonuses. Please clarify. A: Legally we are classified as an e-commerce company which also offers an Affiliate program. We adhere to the E commerce rules set forth by Germany and the World Trade Organization. There are zero sponsorship requirements nor are there any purchase requirements from our company. The 12 week plan is an optional affiliate based system whereas the affiliate chooses to "personally commit" to the plan, but by no means is it a requirement. Q: Is the gold you purchase sent directly to you when it is purchased and do you have to clarify that you want it stored for you? A: Every customer/ affiliate of Karatbars is able to maintain, direct and manage their own account. If you choose delivery you can receive your gold from 1 gram at a time. For others who prefer to store their gold offshore, we offer free storage with Prosegur which is the 3rd largest transporter and storage facility in the world. Prosegur ranks # 1 in Germany. Q: Is the gold in a separate account apart from the cash that would be used off of the Master Card? A: Absolutely! The MasterCard is a convenient way for Karatbars to pay commissions to the affiliate. You can use your card anywhere in the world MasterCard is accepted and it a very easy means of converting cash into gold if you choose. The gold itself can be delivered or held in the vaults of Prosegur. Q: Is it insured by someone and is there a written contract that states who has it and it is obtainable without a lot of trouble? A: Yes, there is an insurance policy that covers the gold held in the vault. Anytime the client wishes to take delivery, an order is either a) called in b) by written request. The information is sent to the vaulting company where arrangements are made for shipment / delivery. The gold is also insured throughout the delivery process. The insurance is valid until you sign that you have received your gold and have it in hand. Q: What is the KYC that is talked about and since I am not that computer literate how do I upload to the office whatever documents are required? A: KYC is also known as "Know Your Customer" or the Patriot Act. All financial institutions are required by law to maintain a current list of its clients documentation and further verify no individual has been associated with terrorism or money laundering activity. You can scan a copy of your docs and upload them to your back office or simply take a picture using a cell phone and email them to yourself where you can save a copy to your computer and upload the docs to your back office.

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Q: How do I get help on the use of the "Back Office"? A: Your personal enroller should walk you through the function of the back office once you are registered for your free account, I can also provide a list of short videos. to help you if necessary. Q: Do you automatically receive the Master Card or is there amount of gold that has to be put into the account. I do realize something would have to be in the account but just wondered if you automatically had the account set up? A: The MasterCard account is set up once you have earned a

is the amount for the minimum deposit on the card. The card may also be pre-ordered (prior to commissions) for affiliates who opt to participate in our optional Dual System Pay Plan. The client must have a Silver business package or higher prior to pre-ordering the card. Q: What about family members, a spouse particularly, using the account and would the spouse have the same account with a duplicate card or separate accounts? A: We do not offer joint accounts, however, husband and wife may choose to have individual accounts set up. Each Karatbar account has an option to add a beneficiary in the edit profile section of their back office. Each Karatbar account will have a separate Karatbar MasterCard set up in order for commissions to be paid out. Q: One video stated that on a corporate or business account that there would only be one designee to operate the account, could you clarify? A: Yes, that is correct. If an individual owns a business, our system is designed for only one individual or signature of authority be authorized to manage the account. Q: Could you also clarify the establishment of children's accounts and the setup of same? A: Individuals may create a customer account for children under the age of 18. A child's account is not eligible to receive earned commissions. Due to laws which vary from state to state as well as each country, we suggest you speak to a trusted financial adviser for guidance in regard to trusts and children s savings accounts. Q: Training is also important particularly as to what can be said and not said when presenting the program. Where could I obtain this? A: The Terms and Conditions are located in our back office. You can register for a free account to view these terms and conditions without any obligation. The primary rules are to be honest and of good character. We do not allow affiliates to use the words

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investment nor give tax advise unless they are fully licensed by their local states/ province or Country. All questions of this manner should be referred to a trusted specialist who is familiar with the laws of are in which you reside. Q: Are there Presentation Videos that can be obtained and instructions on the use of them? A: Presentations are available in your back office or through a Senior affiliate Leader of Karatbars International. Q: Do the cost of the Plans and or the Gold prices fluctuate with the spot price of Gold? Do the Gram Prices fluctuate? A: Yes, the prices of gold are set daily by the London Fix. Prices are adjusted daily. Q: How are the tax implications on profits handled? A: You will be considered an Independent Contractor. All questions of this manner should be referred to a trusted specialist who is familiar with the laws of are in which you reside. Each individual should adhere to the tax guidelines & requirements where they reside. Q: WHERE Do I See the Earned Money Coming My Way? A: Log into http://karatbars.com/?s=yourusername This takes you to your Dashboard... SEE YOUR ACCOUNT AREA * Pending Unilevel Payout Unilevel calculations are ran on the 11th of each month to determine Unilevel rank and commission level. The final calculations will be posted in the Account Area on the 11th of each month. The Pending UniLevel bonus pays out on 1st business day of each month onto the Karatbars Debit Card. example: Monthly Commission Run ...Feb 11th - March 11th... pays out on April 1 * Pending Dual Payout...is the total amount of commissions earned from the previous weeks business. The time period from the previous weeks activity, from Saturday to Friday midnite CET (Germany) This field will go to zero once the commissions have been transferred to the Karatbars debit card each Friday. The field is now ready to accept current commission which has been earned from the "Dual Commissions this Week" field. * Dual Commissions This Week are calculated in real time. The commissions will

the total commissions from the "Dual Commissions This Week" field will move up to the Pending Dual Payout field. Commissions will be paid out the following Friday to the Karatbars debit card.

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Do Not use the term Investment when referring to physical gold. Do refer to acquiring Physical Gold as a hedge against inflation or the commonly accepted terms of wealth insurance/ protection. Terms such as investment are reserved for licensed professionals who sell or offer paper derivatives. Our Karatbars gold bullion product is a physical asset. You can touch it, feel it, smell it and taste it if you like. It is imperative you do not represent yourself as a financial expert unless you are licensed in this field. Do Not publicly copy or share in any manner your commissions earnings - this is considered inducement and is punishable by law. Do share the earnings potential one can achieve as a Karatbars affiliate. Do Not use Karatbars name, logo or proprietary images & materials without corporate approval. Do submit a support ticket for your marketing campaigns, emails, blogs,

the left side of each page of our corporate website. Do Not infer you are an employee or staff member of Karatbars International. Do always represent yourself as an affiliate both in print and verbally. Do Not use any trademarked name or copyright image of Karatbars International without corporate approval. Do Not agree to speak to the media on behalf of Karatbars International. This is a violation of the affiliate terms and conditions and may result in the cancellation of your affiliate status. Do Not Use the Karatbars International platform to discuss or speak disparingly about government entities, political parties, or public institutions. We must remain ethical and of good character at all times when representing Karatbars International.

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Do Not refer to our company as KB, KBI any other shortened version. Do refer to Karatbars as Karatbars. Our company name is a Trademarked name that represents our product. This is important for branding our company. We prefer you only use the name Karatbars and not shorten the name by using initials. This also will prevent us from being confused with other companies in the marketplace. Do Not offer tax advice of any kind without being duly licensed in the locality in which you live. Do If meone asks you for tax advice, it is advisable you refer them back to their very own trusted tax professional and adviser. Do Not refer to Karatbars International as a MLM company. Do refer to Karatbars International as an E-Commerce Company. We offer a very lucrative affiliate rewards program like many online businesses around the world. The difference is very clear. Our company has zero sponsorship requirements or monthly purchase requirements in order to earn commissions. Our affiliates can refer others to an online gold savings plan and earn commissions whether or not they personally purchase our products. Do Not refer to Karatbars gold as certified. Gold is assayed and given a warranty of certification. Do refer to Karatbars as being assayed for fineness, purity, & weight by a licensed assayer. Do Not refer to our chosen LBMA refineries as certified. Do understand the LBMA Accredits refineries. Always refer to our product as "produced by an LBMA ACCREDITED refinery".      

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Important Reminders 1.) Once an affiliate has been registered under a particular sponsor,

he/she cannot be moved to a new sponsor. There are no exceptions to this rule. If for some reason, you do not have access to your direct sponsor, we will connect you with the top Leaders in your group for help and support.

2.) Once an affiliate is placed on your tier, they cannot be moved to another position (left or right change of placement).

3.) Due to credit card fees for international charges, it is hard to get an exact price on each affiliate package. However, the estimated cost will vary by a minimal amount. Good rule of thumb: add 6% to the total cost with shipping to account for the fees (this includes the card processing fee passed along to you from Karatbars).

4.) Shipping for up to 99 grams of gold will be a flat fee of about 20 /~$25, over 100 grams will be shipped for free.  

5.) It is the responsibility of the affiliate to report income for tax purposes.