Karatbars International FAQ (Frequently Asked Questions) For Timely Answers to Commonly Asked Questions

Q : Does creating a Karatbars membership enable me to purchase gold that I actually receive and can keep in my physical possession? If so, what are the advantages of doing so through Karatbars International rather than directly through a local precious metals dealer?

A : Yes, you may purchase the gold and hold it in your possession, if you choose or you can choose to have it stored off-shore in Germany, free-of-charge. There are a number of advantages of doing so through Karatbars International, rather than dealing with a local metals dealer.

First and foremost, from a financial perspective, there's no local precious metals dealer that I'm aware of who who provides a system, a blueprint and all the support you could possibly need which enables you to earn a minimum of $4,500.00 PER WEEK in 12 weeks by simply referring Karatbars to others.

From a heart perspective, Karatbars International is rock solid - high integrity is evident. The Karatbars leadership- stellar. Therefore, we trust this amazing German based company. We know from “whom” we are buying. We can trust that the quality of gold is the “best of the best”, which translates to being identical to the purist form of gold currently on the market (999.9% pure 24k gold bullion) We trust the longevity of the company-it's likely not going away tomorrow. We appreciate the mission and vision of the company- feels awesome.

Karatbars International also believes in educating people about the truth behind the "almighty dollar", the Fed, etc. It is passionate about its mission- which makes us proud to be part of it and proud to share it with others. Ie. Karatbars desires to help all people join in the process of de-coupling from the digitized, fiat currency system, by offering an affordable, safe way to purchase small amounts of gold (1 gram, 2 ½ gram, 5 gram), compared to the 1 ounce/31 gram buffalo. How great is that? We can raise money for people in need or for causes we believe in through the structure of this company, which is special. There is a sense of community. So, we can grow our savings AND support people we care about, as they are growing theirs, too. We get to build relationships through the structure of the company, as we build and protect our own wealth. The cost of a Karatbars Package is well worth it, in my opinion- and if this business is worked well, the commissions earned extend way, way, way, beyond the minimal membership cost. ...these are just my initial, off the top of my head, thoughts. There are MANY more advantages I'm sure I could list. Bottom-line, being part of this company is a win-win all the way around, if we work it. No local metals dealer can hold a candle to the Karatbars experience for those who are involved and engaged.

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 with out 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 what ever 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.

Q: How do I get help on the use of the "Back Office"?

A: Your sponsor 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 minimum of 35€ ($45) in commissions. The set up of the card is 20€ ($25) and the balance of 15€ ($20) 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, 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. 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 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: WHAT Does LBMA stand for?

SEE DETAILS HERE

Q: WHERE Do I See the Earned Money Coming My Way?

A: Log into http://karatbars.com

This takes you to your Dashboard... see YOUR ACCOUNT (3 o'clock area of dashboard)

Pending Unilevel Payout ...pays out on 1st of month...from earnings month back

Monthly Unilevel Commission Run Cycle... 11th of month to following 11th of month... pays out 1st of following month after that

Example: Monthly Commission Run ...Feb 11th - March 11th... pays out on April 1

Pending Dual Payout...is last weeks "Dual Commission This Week" commissions from Saturday to Friday end midnite (Germany)

That pays out when Stuttgard opens office on Friday morning...then it will show $0.00 till end of Friday midnite

Dual Commissions This Week... is the current running total commissions building up from this weeks Dual System..

Those commissions build from Saturday to Friday end midnite (Germany)...

At end of Friday midnite (Germany)... that rolls up to Pending Dual Payout for next Friday morning... And the Dual Commissions This Week...resets to $0.00... and builds from there

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 client’s 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.

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 minimum of 35€ in commissions. The set-up of the card is 20€ and the balance of 15€ 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, 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 Karat bar account has an option to add a beneficiary. Each Karatbars account will have a separate Karatbars 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 is authorized to manage the account.

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 investment nor give tax advice 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 the country 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 and are always posted in Euros.

Additional Questions?

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