Getting To Know Karatbars International Training Guide

xRegardless of which package is chosen, an affiliate who regularlyexchanges paper currency for Karatbars gold will realize more insavings by using the package discount cards than they used toacquire the package, plus the gold they acquired along the way toshow for it!Bonus Cards and Discount CardsThe 100 ¼ (Euro) Bonus Cards: With bonus cards, your affiliates andcustomers, as well as you, get a discount of 100 ¼, redeemable for: KExchange Center products, branding cards and for credit towards the VIPpackage and/or upgrade. They are for your personal use or to give tosomeone else. It saves approximately 135 (100 ¼ x 1.35 135).The 3% Discount Cards are used to discount the price of gold purchasedor 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 ¼ Bonus Cards and 3% Discount cards can be used asincentives for others and/or you can use them yourself!As soon as you purchase a package, it is important that you take thenumbers from a digital 3% Discount Card and enter into the order sectionof your website so that anytime you order, you will get a 3% discount off theprice 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 office2 Click on the "My Gold" tab3 Click on the "Digital Bonus Codes" tab43% Discount Codes will begin with "3 Prozent Vorzugspreis." Copy the code, they call it"coupon".5Now click on the "Product Purchase" link. Take the steps as if you are going to purchase aKaratbar, 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 atthis time).When you get to the page where it says "Bonus Card Options", paste the code numbers into8 the spaces. If you put your cursor on the left space, the code will automatically fill the rest ofthe spaces.Once you've pasted the code, click on the "log out" link in the upper right hand corner and9 your shopping cart will empty out! The code is now there for any future purchases. Thecode is good for 12 months.9

Direct Enrollment Commissions on Business Packages RX ZLOO HDUQ D ³GLUHFW FRPPLVVLRQ IRU HYHU\ SHUVRQ \RX SHUVRQDOO\ HQUROO who purchases a business package.The amount of commission is determined by your business level at the timeyour enrollee acquires a package as well as the business level theyacquire. See the chart below.You will also earn a commission if they upgrade to a higher package. Yourcommission 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 higherthe amount of the commission you will earn.Business Package CommissionsWhen yourpersonal enrolleepurchasesBronze Package,99 ¼ 135Silver Package,280 ¼/ 327Gold Package,623 ¼/ 810VIP Package,1605 ¼/ 2172If you are aBronze, youearn 5%If you are aSilver, youearn 10%If you are a If you are aGold, youVIP, youearn 15%earn 20% 7 14 20 28 16 32 49 64 40 80 121 160 109 218 326 436.00**Note: all the above amounts are approximate, depending on the price of gold on anygiven day.10

&RPPLVVLRQV (DUQHG IURP D ³&\FOH You also earn commissions when you cycle. So, what's a cycle?Every product that Karatbars offers has a unit value attached to it (includingaffiliate packages). This means that when someone in your dual teamgroup acquires a product or affiliate package, units are earned by you andeveryone in the upline! The more products/packages that are acquired, themore units accumulate. When you have a total of 75 units, 50 units on oneleg 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 unitsand if another person in your left leg buys a Bronze Package that is 5units. 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 yourright leg, so you would "cycle" and be paid a cycle bonus commission.Your cycle commission is determined by your business level at the time youcycle. The higher your level, the higher the amount you earn.Dual Team Cycle CommissionsYour RankDual Team cycle payoutBronze10 ¼/ 14 USSilver40 ¼/ 52 USGold60 ¼/ 78 USVIP80 ¼/ 104 USNote: because the price of gold changes, the amounts in the above chart areapproximate depending on the price of gold at any given time.11

Important Things to Remember About Earning Commissions1ALL registered affiliates earn commissions from the unilevel compensation plan.The dual team system is OPTIONAL to participate within.2In order to earn commissions in the dual team system, you must acquire aBusiness Package.3You will NOT accumulate units from the acquisitions of those people beneathyou in your right and left legs unless you have acquired a Business Package.4You "cycle" when you have accumulated 75 units, 50 on one leg and 25 on theother leg.5When you "cycle" the unused units do not go away, they stay there and gotoward your next cycle!6Go to http://learnaboutkaratbars.com/Mastercard.htm so that you understandhow you receive your earnings.7Even if you have earned commissions, if you haven't uploaded your KYC docsand 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 goeither on your left team or your right team in the dual team system. In theunilevel compensation plan, everyone you personally enroll, will be on your³ILUVW OLQH ,Q WKH GXDO WHDP V\VWHP WKH\ PLJKW EH GRZQ OHYHOV RU 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 youacquires a package or gold, you will still receive the units on thatacquisition. No matter how large your organization grows, you will alwaysmaintain every unit earned in your organization. So, as people in your leftand right legs continue to acquire packages and gold, you will continue toaccumulate units and you will continue to cycle and earn commissions.At the end of the week, any unused units stay there until you accumulateenough units to cycle again. If you upgrade to a higher package, you payapproximately the difference between the cost of the package you'vealready acquired and the new package.12

Leadership BonusesUnilevel Bonus - Differential commissions are paid between your Uni-Level Rankand those in your organization. In order to be paid the differentials, you need tostay one rank ahead of all others in your group.Direct Gold Commissions - Determined at month end,based on your rank and whatpercentage you will be paid on your direct customers' gold purchases.Generational Bonus - Applies to those who are Gold Director Elite status in the unilevel.** Details are in the Affiliate compensation plan pdfthat can be downloaded in your back office.Units Earned for Products/PackagesEvery product that Karatbars offers has a unit value attached to it. Thismeans 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 withsome of the most popular products in Karatbars.ProductUnits Per ItemBronze Package5Silver Package20Gold Package50VIP Package1001 gram Karatbar12.5 gram Karatbar25 gram Karatbar313

How Are Commissions Received?When you earn commissions in Karatbars, your earnings will automaticallybe transferred to your Karatbars Mastercard. Earnings that are paid weeklyare transferred to your Mastercard on Fridays, the Friday following theclose of the previous week (there is a week's lag time).How to get your MastercardWhen you've earned 35 ¼/ 45 in commissions, you will automatically beissued a Mastercard, it will be mailed to the address you provided whenyou enrolled, at the end of the commission cycle in which the affiliate hasbecome eligible. The card will come from Prepaid Financial Services inMayfair, London, UK.The cost for the card and the minimum deposit required will be taken fromyour commissions. Set up of the card is 20 ¼/ 30 and the balance of 15¼/ 25 is the amount for the minimum deposit on the card.Note: The card may also be pre-ordered (cost of 20.75 ¼/ 45) prior to anycommissions being earned if you have acquired the Silver businesspackage or higher prior to pre-ordering the card. Log into your back officeand 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 followingnumbers (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 cardand your 6-digit date of birth (MM/dd/YY). Once you have entered thisinformation correctly, your card will be activated and your PIN will berevealed. Please keep your PIN safe and do not share it with anyone.You can now load your card, and start spending.14

Once you have completed these steps, your card is ready to use online,over the phone and at over 28 milllion locations worldwide whereMasterCard is accepted.**Please note: Future commissions will not be transferred to your card untilyou activate it, your commissions will say "pending" because they cannotbe transferred to your card.Your card will show a zero balance until the first commission periodAFTER 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 willsee "For your Karatbars Prepaid Card: please click here".You will be taken to the Prepaid Financial Services website. Enter your 16digit card number and the PIN that was given to you over the phone whenyou activated your card.You can check your balance and activity.Remember: the amounts in the Prepaid Financial Services website are in ¼,you can multiply the ¼ by 1.30 to get approximately the amount inU.S. Dollars!If your Card is lost or stolen you must contact Prepaid Financial Servicesimmediately by phone so they can take the appropriate action to preventany fraudulent use of your card, and arrange a replacement to be sent.Auto-Save ProgramDuring the given month, the uni-level commissions AND the dual teamsystem commissions are added up at the end. Whatever is generated,whether 200 euro, 1000 euro, 2500 euro, or 4000 euro, will then betriggered to save 1, 2, 3 or 4g. It occurs ONLY ONCE per month.As seen below, the amount of converted gold will depend on yourcommission, which is in the "pending payout" account. 3HQGLQJ 3D\RXW RI PRUH WKHQ ¼ ZLOO UHVXOW LQ WKH DXWRPDWLF SXUFKDVH RI 15

1 gram of gold. 3HQGLQJ 3D\RXW RI PRUH WKHQ ¼ ZLOO UHVXOW LQ WKH DXWRPDWLF SXUFKDVH of 2 grams of gold. 3HQGLQJ 3D\RXW RI PRUH WKHQ ¼ ZLOO UHVXOW LQ WKH DXWRPDWLF SXUFKDVH of 3 grams of gold. 3HQGLQJ 3D\RXW RI PRUH WKHQ ¼ ZLOO UHVXOW LQ WKH DXWRPDWLF SXUFKDVH of 4 grams of gold.Please note however that your personal monthly purchases will be takeninto 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 iscalculated for 1 full month. The Auto Save checks if you have an activeautomatic monthly purchase already in place or if you have made any onetime gold purchases this month, after this it checks how much commissionis on your "pending payout" account. E.g. If you have set your automaticmonthly purchase to 1g of gold and the commission on your "pendingSD\RXW DFFRXQW LV ¼ WKH DXWR VDYH ZLOO WKHQ RQO\ EX\ DGGLWLRQDO gram of gold.16

Steps to Registering an Affiliate:Always "walk" your new affiliate through the enrollment process, or in somecases, do it for them with them on the phone or with you to provide thenecessary information.1. When you are ready to enroll yourself, or someone else, you need tocall the credit card company or debit card issuer/bank and tell themthere will be an international charge made and make sure they areaware and will approve it. The recipient name is set as KBARSG8 theyshould authorize transactions using the KBARSG8 merchant name.2. Before you enroll a new person, decide where you want them to be,RQ \RXU ULJKW RU RQ \RXU OHIW RU ³3ODFHPHQW WKHQ HQWHU WKH XVHUQDPH RI WKH DIILOLDWH \RX ZLVK WR HQUROO WKHP XQGHU RU VLPSO\ ³DXWRPDWLF where the computer decides how to most effectively place thatDIILOLDWH WKHQ FOLFN ³8SGDWH 0DNH sure you go to your back officebefore they enroll and set the placement. Go to "Team Statistics"then "Dual System". Discuss with your upline enroller if you shouldplace them on the left or right.3. You will enroll them on your personal Karatbars website. Yourwebsite will be www.karatbars.com/?s yourusername4. 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'tthere, the new affiliate is not on your personal website. Do not enrollthem unless you are on the correct site. Your Karatbars ID shouldalso be filled in with your personal ID number.7. Complete the form, with their username, password and emailaddress, agree to the Privacy policy terms. Click the continue button.8. Complete the "International Registration Form" with their name, birthdate, address, country, phone number they usually use, and thenclick the "Register" button. You will be taken to a page that saysyou've enrolled them correctly.Note: when you enter your phone number, there is already a 117

there, leave it, and add your area code and number, no hyphens. i.e.it will look like this: 136055516299. Enter their karatbars affiliate website you are directed there after theinitial registration process. (your website will behttps://www.karatbars.com/?s and your user name you choose)10.Go to "Log In" and enter the user name and password that waschosen for the affiliate.11.2QFH ORJJHG LQ \RX ZLOO EH LQ WKH ³*HQHUDO!'DVKERDUG 12.*R WR ³6WHS 2UGHU D 3DFNDJH LQ EOXH RQ WKH ULJKW VLGH RI WKH page) In step 1 you will choose the membership level select English asthe language, check to make sure the quantity is one and click the blue³FKHFN RXW EXWWRQ 13.6HOHFW WKH ³3XUFKDVH 2SWLRQ DV FUHGLW FDUG RU EDQN ZLUH WUDQVIHU DQG FOLFN ³3XUFKDVH 14.This next step is where you will need to select the credit card typeand provide a credit card number. (Make sure the credit card company hasbeen contacted to let them know to that there will be an internationalFKDUJH JRLQJ WKURXJK RX ZLOO QHHG WR HQWHU WKH FUHGLW FDUG KROGHU¶V name, credit card number, expiration date and CVC code (3-digit numberon the back). Finish payment process.15.7KHQ JR EDFN WR WKH ³*HQHUDO!'DVKERDUG SDJH DQG FOLFN RQ ³6WHS 2: Upload KYC documents". Select the document type, choose the file andupload the selected file. **Important: The ID card and proof of addressmust be kept in two different files. Proof of Identification Passport,'ULYHU¶V /LFHQVH RU *RYHUQPHQW ,' must contain phone name date ofbirth; Proof of Address - Utility bill, phone bill or bank statement preferred WKH DIILOLDWH¶V QDPH DQG SK\VLFDO PDLOLQJ DGGUHVV PXVW EH VKown, thedocument should not be older than 6 months, this is where everythingKaratbars ships to you will be shipped).Maximum  file  size  is  10mb  per  document.Allowed  file  formats:  JPG,  JPEG,  GIF,  PNG,  PDF.18

Frequently Asked QuestionsQ: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 ofcrises, the demand for gold is higher than the supply, you can actually barter or tradewith it, financial advisors suggest you have at least 10% of your portfolio in gold, andgold bars are considered global cash. Therefore, gold is security for you and yourfamily!Q:When I take the cost of an ounce of gold and divide it by 31.1 (the numberof grams in an ounce of gold), the result is a lot less than the actual price for agram of gold. Why is that?A:As with most things, the larger the amount of goods you purchase at a time, theless you pay per individual portion. For example, let's say you purchase a gallon of milkat the price of 2.99. If you divide that by 4 (there are 4 quarts in a gallon) the cost for aquart of milk would be .75, but the actual cost for a quart of milk at the same store atthe 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 toapples when looking at prices, not all gold is the same! In addition, if you are becomingan affiliate, we can show you how to earn perpetually FREE gold! That's better thanany price!Q:Why would people buy gold by the gram if it is more expensive by thegram?A:Because it is affordable to "the masses"! Many people just don't have 1300 ormore 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 goldbar that certifies quality and weight. The LBMA stamp is one way to confirm this is notfake. Also LQFOXGHG LV DQ HPERVVHG VHULDO QXPEHU DQG WKH UHILQHU\ DVVD\HU¶V VLJQDWXUH and the card is sealed with a thin film providing additional security features. There isalso the Karatbars unique multi-dimensional hologram that covers the one gram goldbar on the back of the card to be sure it cannot be tampered with without beingnoticeable. All of these features enable any informed individual to quickly and instantlyconfirm the karatbar is genuine and is not counterfeit.Q:What is

x Karatbars International does not report any transactions under 10K to any government entity. x 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. x Karatbars International does not apply to FTC or BBB or any other