1. aratbars Guests, Affiliates and Customers Webinar Are you aware that there is an ASSET CLASS that has doubled in price 5 times since Y-2-K? Did you know that there is a ZERO DOWN strategy to add this asset class to your Financial Statement? © Copyright 2015 Moss, McKay & Associates, cpm.

2. WHICH Is More Likely To Occur? 1. Things will return to normal 2. Things will become much worse for more people 3. The potential for a major disaster still remains

3. WHICH IS BETTER? Money in the Banking System Fiat Debt Based System BANK FEES – Loan Spreads Monthly Fees Debit Card Fees Overdraft Fees Savings Account / CD 1% - 1.5% Per Year Money in a Karatbars Account Honest Money, Real Money, Sound Money Leverage To Gold Prices Doubled 5 times since Y2K Unmatched History Price & Performance Safety and Liquidity 11.33% Ave/YR since 1969 Outperformed Every Asset Class

4. Debit Card “Wired” to Your Account

5. Gold Money / Exchange System 1.Debit Card “wired” to your Karatbars Account 2.Cash Substitute Leveraged To Currency Grade Gold 3.Transfer Gold, Digital and Paper Money to others 4.Individuals 5.Merchants 6.Works at any location accepting credit/debit cards

6. * CREATE ACCOUNT* With a few mouse clicks, easily move/exchange paper or digital currency into currency grade gold. If inflation continues to go up, so will your account balance because you are leveraged to gold, not interest rates. Use any internet connection to access your account. Account Holders have many benefits – All are FREE! ACCOUNT SET-UP FREE – FAST - EASY Do Yourself or We can walk you through the process step by step.

7. * EARN & LEARN* *Direct & In-Direct Passive Income* Add another INCOME PRODUCING ASSET to your balance sheet Add another WEEKLY INCOME STREAM Earn “up to” $400 for each Direct Package sale (Sales You Make) Earn “up to” $100 – Team Sales – Cycle Bonus (Sales Others Make) Earn “up to” 6% from the FREE System $1,000's in tax benefits Hedge against inflation Support & Assistance Work with Top Income Earners Leverage their experience, confidence and success

8. YOUTUBE VIDEO – 7 Minutes Robert Kiyosaki - Why Savers are Losers http://youtu.be/tzZt7DgzAo4 Learn The Truth About Our Money Hedge and Leverage Let Robert Explain

9. Financial Basics Balance Sheet Financial Statement Real Estate Mort payment Car Car payment IRA Phone Jewelry College Loan Gold Utilities Money coming in Money going out Money coming in Money going out Mortgage/Rent Car payment Phone College Loan Utilities Insurance Wealth Building Strategies

10. GOLD Access to a Self Managed - On-Line Account Immediate access to: ASSET Class that has doubled in price 5 times since 2000 GREAT Asset Class To Own & List on your Financial Statement. Unmatched history of price and performance. HEDGE against inflation DISCOUNTS are available $130 or 3% FREE Storage or Delivery to 53 Countries The Business Model Asset Protection/Appreciation - Cash Flow - TAX BENEFITS Instant Upgrade for any Financial Statement

11. Money is Moving – Is Yours? Financial Expert, Mike Maloney, said: There are brief moments in history when the safe haven asset class becomes the asset class with the single most potential for appreciation and gains in purchasing power. This is one of those “rare” times. Exchange paper money into gold money now. You will be able to buy more stuff later! Stay in paper money and you will buy less stuff in the future. It is as simple as that.

12. Karatbars Online System FREE MONEY MANAGEMENT SYSTEM - TOOL - INSTRUMENT Move Money Fast - Exchange Paper Money into Gold Money

13. There are 3 primary reasons that people use Karatbars “system”, as an instrument, to: 1. Protect money from inflation – HEDGE (R. Kiyosaki) Use their FREE Karatbars account, to create an instant “hedge” against inflation Hedge = the way to protect money Leverage gold prices – not interest rates 2. “B” Quadrant Profit Potential / Cash Flow / Tax Benefits 3. “I” Quadrant Weekly & Monthly Cash Flow Asset accumulation Asset is appreciating in price Gold History Price & Performance Referrals = CASH FLOW SAVE THOUSANDS $$$ Pay Only Legal Minimum 500% Gain Since Y-2-K This asset doubled in price “5 times” since 2000

14. The Karatbars System People in 75 Countries are using this system to protect money from the ravages of inflation. FREE Account & Access Instantly Create a fast and easy way to: Control Your Money Move Your Money Create a Hedge For Your Money Add a new “B” & “I” to your Balance Sheet FREE ACCESS Includes: Access to Currency Exchange Software Monthly auto-save programs Exchange anytime Discounts & Coupon Codes Are Available Direct Access to: 999.9 fine 24 Karat gold LBMA Stamped & Certified London Good Delivery Gold Free Storage or Delivery Affordable 1 gram weights (delivered to 53 Countries) 3% discounts are available 100 euro discounts are available Referral Rewards – Monthly Referrals - Earn up to 6% - Paid 1 st /month Cash Pool / Gold Pool Dual TEAM Sales System Optional Strategy To Maximize Earnings Get started fast – select and activate - DUAL TEAM System INCREASE EARNING POWER & WEEKLY PAY Select Package – Acquire Package – Use Package Contents Activate your back office dashboard in “real time” Affiliates retain all Uni-Level System benefits plus: Enjoy Weekly Access To Earnings Package will give you everything you’ll need to start your business right. Earn up to $400 Direct Sales (Sale You Make) Earn up to $100 Team Sales (Sales Others Make) Create teams and override gross sales volume

15. Examples How To USE SYSTEM Teddy & Dave Why – Savings Vehicle College Education Fund for Grandson David USE SYSTEM To Protect Money (HEDGE) Leverage to Gold Prices Multiply Money $1 - $5 Since Year 2000 $10K = $50K Since Year 2000 $100K = $500K Since Year 2000 Susan Why – B & I Asset – Income – Tax Benefits She acquired a Package to maximize earning potential Earn up to * $400 Direct Commission * $100 TEAM Cycle Income * 6% Residual Income on future transactions Use System Improve Financial Statement and Balance Sheet

16. STRATEGY – 1 Million USD – Year 1 Month #1 - Find Two Left Team: 1 VIP 798Pts + 100 Units Month New VIP’s PTS UNITS #Cycles 1 1 798 100 2 2 2 1596 200 5 3 4 3192 400 9 4 8 6384 800 19 5 16 12768 1600 39 6 32 25536 3200 77 7 64 51072 6400 153 8 128 102144 12800 307 9 256 204288 25600 618 10 512 408576 51200 1227 11 1024 817152 102400 2459 12 2048 1634304 204800 4915 846 1 798 100 350 2 1596 200 720 4 3192 400 1520 8 6384 800 3120 16 12768 1600 6160 32 25536 3200 12,240 64 51072 6400 24,560 128 102144 12800 49,440 256 204288 25600 98,160 512 408576 51200 196,720 1024 817152 102400 393,200 2048 1634304 204800 Right Team: 1 VIP 798Pts + 100 Units EURO New VIP’s PTS UNITS TOTALS 4,096 VIPs 12 MONTH EARNINGS: 787,036 Euro = $1,023,147 ( 1.3 USD/Euro) * Not an income projection or guarantee of earnings, merely a number multiplication chart for training Year 1 - $1,023,147 USD Take 50% in cash or digital spendable money Exchange 50% into Karatbars 13,110 grams 421 ounces

17. A Dual System Package = Safety Deposit Box with 2 Drawers 2 Step Strategy STEP #1 Enroll – Purchase a Package – Get KYC Approved TAKE ACTION - HESITATION PLACES YOU BEHIND THE ONES THAT DON’T

18. 2 Step Strategy Step #2 TEAM UP with 2 that will REPEAT #1 and #2 EVERYTHING ELSE doesn't matter. Until that is done PUT your Blinders ON ONLY … IF YOU HAVE ANY DUAL SYSTEM PACKAGE YOURSELF Get paid from each direct sale (YOU MAKE) and Get paid on indirect sales (Others Affiliates make)

19. YOU VIP This person Referred YOU You “ FELL UNDER “ someone else’s Dual system roof Line you may not even know them. Whatever you do… they profit from ONLY… IF THEY HAVE a Package

20. cycle generatorUNITS 50 20 100 YOU VIP 20 100 50 100 50 100 20 50 20 510 100 20 100 50 100 50 20 50 20 610 14 Cycles 50 units on one side 25 units on other side makes 1 cycle Per Cycle payouts Silver PKG = 40 Euros ($50) Gold PKG = 60 Euros ($75) VIP PKG = 80 Euros ($100)

21. Understand what income producing Activity is. Expose people daily! This is where your income and success begins and ends. Are you willing to do the units of work required?

22. Activity and Results We can NEVER control RESULTS We can ALWAYS control our ACTIVITY MOST “B” and “I” Quadrant People – Yes Waiting To Happen MOST “E” and “S” Quadrant People – May NOT SEE IT

23. aratbars Thank You For your time and attention Moss, McKay & Associates, cpm. commodities, precious metals