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WHO WE ARE – THE COMPANY

Who is „Karatbars“?

▪ We are Karatbars International GmbH

▪ Founded 2011 in Stuttgart, Germany

▪ Since then expansion into 120 countries and still growing

▪ Since then more than 730.000 partners and rapidly growing

SUCCESS

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WHO WE ARE – THE COMPANY

▪ IT offices in Germany, Bangladesh and Romania

▪ More will be established

Global Offices

▪ Global Offices in Hongkong, Singapore, Dubai, Slovenia and Romania and Spain

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HARALD SEIZ FOUNDER & VISIONARY

CEO and founder of Karatbars International

Senator Global Economic Network e.V. (Bundesverband für Wirtschaftsförderung & Außenwirtschaft)

Member of the Economic Council (Wirtschaftsrat Deutschland)

I promise you that Karatbars and Gold Standard Bank will continue promoting and defending the financial freedom and security of every human being independently and in a decentralised manner.

Our future is unlimitedly digital.

It rests on a solid foundation of pure gold at the same time.

Dr. h.c. Harald Seiz

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OUR MISSION

to help millions of people to find financial freedom.

a bright digital future based on a solid foundation of pure gold.

to bring pure gold to all people to prevent from debts.

to guide people into the digital finance world to be prepared for the future.

We combine the best of both worlds

Our mission is

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WHY GOLD

GOLD in Human History

▪ Since thousands of years gold has a huge attraction to humans.

▪ In ancient times gold was the jewelry of pharaohs and kings.

▪ It was a sign of power and wealth.

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WHY GOLD

GOLD in Human History

▪ Since 2,800 years gold is also a recurring base of currency and trade.

▪ Persians minted the first gold coins in the 6th century.

▪ In 1873 the USA established the “gold standard”. The Dollar was paired and backed by Gold.

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WHY GOLD

GOLD is a MEGA MARKET

▪ 1971 Richard Nixon cancelled the direct convertibility of US Dollar to gold.

▪ Gold became more valuable. Now currencies loose more and more of their value every year.

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DO YOU KNOW WHAT PRICE STABILITY (VALUE PRESERVATION) IS?

Price stability in an economy means that the general price level in an economy does not change much over time.

1920 2019

$645 1kg 1kg$40,000

GOLD is stable

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PROBLEM TODAY: INFLATION

▪ Or will the value decrease?

What do you think?

▪ Is money stable as gold?

▪ Will money increase in value?

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PROBLEM TODAY: INFLATION

$20 $20 $20

INFLATION:The prices of goods and services go up while value of the money decreases.

1998 2005 2014

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DO YOU KNOW WHAT PRICE STABILITY (VALUE PRESERVATION) IS?

Experts recommend: Change some of your money into gold!

Robert Kiyosaki

“Who owns gold, has always money”

Alan Greenspan, former CEO of the FED.

Alan Greenspan

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CRYPTO CURRENCIES IN FUTURE

▪ All are based on the „blockchain“ technology.

▪ In 2008 a new currency called Bitcoin was invented by an unknown person namedhimself Satoshi Nakamoto. The first paymentwas done in 2010 – 2 Pizzas for 10.000 BTCs.

▪ Since then BTC and new developed othercryptocurrencies started to change thefinancial world.

▪ Also our KBC and KCB.

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WHAT IS A BLOCKCHAIN?

Each transaction is released only by consensus of the network.

▪ A blockchain is a growing list of records while each block contains an encrypted block of the previous one

▪ Data in a recorded block can´t be changed without changing the other blocks

▪ Each transaction is verified for accuracy, completeness and "uniqueness“

▪ The network has a decentralized structure and no central authority can manipulate it

▪ Low-cost and fast transactions

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THE IDEA

▪ Using our Karatbars solutions everybody can earn money and save gold for security.

▪ With our Karatbars Eco-System merchants can sell their goodsand services through CashGold and cryptos.

Gold,Blockchain and KBC – the future of money

▪ The majority of people in the world have no bank accounts, but they own smartphones and have internet access.

▪ Using our Karatbars solutions they can open KaratPay accounts and KaratBit wallets and transfer digital gold as well as cryptos globally for less without third parties involved.

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THE KARATBARS UNIVERSE

Karatbars International GmbHUNIVERSE

KaratPAY▪ Our online platform for

CashGold transactions▪ Developed by KaratGold

and Karatbars

KaratGold▪ Founded in Singapore 2015 ▪ Responsiblefor creation and

distribution of CashGold

KaratBit▪ Our own exchange where

cryptos and fiat are tradedand exchanged

Impulse K1 phone▪ First phone with VoBP worldwide▪ End-2-end encryption▪ Connected to KaratPAY and

KaratNet

K-Merchant▪ Our Eco-System for retailers and

consumers▪ Developed by KaratPay▪ Shopping Network for KBC / BTC / ETH

KaratNet▪ Own independet blockchain▪ Firm basis of our KBC and

business solutions

CEM▪ CashGold Exchange Machine▪ Change 100 KBC into 1g Gold▪ Buy BTC and ETH

WHIM Laptop▪ First laptop with VoBP technology▪ Email and Data-Transfer Encryption over

Blockchain and Unique Private Key▪ Part of the KaratNet Eco-System

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OUR GOLD PRODUCTS

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CashGold – POWERED BY FUTURE

CashGold

▪ CashGold notes are available with 0.1 gram; 0.2 gram; 0.4 gram and 0.6 gram

▪ CashGold Classic is available in card form with 1 and 3 and 6 gram

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CASHGOLD – EVOLUTION OF GOLD

▪ Simply open a KaratPAY account for free.And send real gold through the network.

▪ KaratPAY is an online platform developed by KaratGold and Karatbars International for the purpose of CashGold transaction.

▪ Here you can buy, transfer and pay with CashGold

PAPER MONEY WITHREAL GOLD, what else?

Sending real gold via online services!

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CRYPTO

▪ KBC as well as its growth is based on gold from our Gold Standard's global mining network.

▪ KBC is running on our own Blockchain called KaratNet

▪ KBC is more than a cryptocurrency.It stands for a complete paradigm shift!

▪ KaratGold Coin has raised over $100 million to become one of the largest ICO’s in history.

KBC is listed on below exchanges

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CRYPTO

▪ KCB is the coin of KaratCoin Bank

▪ KCB and KBC coins will merge after the end of the ICO.

▪ The single coin will be based on gold and exchangeable for gold.

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EXCHANGE

KaratBit is our own exchange.

It facilitates the exchange of CashGold into FIAT

currencies, our KBC Coin as well as BTC and ETH.

www.karatbit.com

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K1 IMPULSE PHONE

▪ The first phone with VoBP technology

▪ End-2-end encryption

▪ Works with Wifi and 4G connectivity

▪ Own Android based System

▪ Build in wallet

▪ Easy transfer of digital gold or cryptos

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CASHGOLD

New ERA of payments in a complete ecosystem.

The only payment solution that is based on gold and

maintains its value.

CEM - Cashgold Exchange Machine

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WHIM LAPTOP

WHIM Encrypted Laptop

▪ The first laptop with VoBP technology

▪ Blockchain workplace for K-Merchant and Karatbit on KaratNet Blockchain

▪ Security through Fingerprint, Face-ID and Worm-Guard

▪ Email and Data-Transfer Encryption over Blockchain and Unique Private Key

▪ Two operating Systems – Windows 10 and Cryptodata OS encrypted

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WHIM LAPTOP

▪ Full Metal Case▪ 14,1 inches▪ 8 GB RAM▪ 512 GB SDD▪ 2 MB Camera▪ Bluetooth, 2x USB 3.0, Wifi (2 bands), Audio, Micro▪ SIM Card slot▪ Dual Display for QR codes▪ Synchronizes with K1-Phone on request

WHIM Technical Details

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WHIM LAPTOP

▪ Cryptodata OS is Virus free and unhackable(unless password ist stolen or scam email activated by user)

▪ Camera and Micro manual enabled / disabled (mechanical switch)

▪ Runs on Windows and Cryptodata OS (user can select which OS when computer is turned on)

▪ Dual Display for QR and CEM codes(laptop doubles up as a CEM)

▪ Unlimited cloud space in the blockchain(except non human traffic (e.g. bots/non compliant traffic)

More WHIM Advantages

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KARATNET

KaratNet

▪ Karatbar´s Blockchain Technology with own ECO-System

▪ Live since 15th September 2019

▪ Impulse K1 Phone and WHIM connects over ourKaratNet-blockchain, also K-Merchant transfers

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KARATNET

Imagine the potential and

the prospect of the KCB!

▪ Impulse K1-Phone, KaratBit, K-Merchant, K-CEM and KaratPay are products that will generate transaction fees from its users.

▪ All fees represent sources of income to feed continually the increase of the gold base of our KCB coins.

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K-MERCHANT

▪ Merchants can accept KBC / BTC and ETH with a simple scan

▪ Zero fees for all merchants.

▪ Merchant partners with GOLD status are free for first 6 months, after that 200 USD per year in KBC.

▪ 6 months period starts after GOLD status is activated

K-MERCHANT

▪ BETA Test finalized succesful and live since 15th September

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K-MERCHANT

▪ Merchants have once the option to chooseupfront the currency they want to be credited– USD or EUR or local

▪ Merchant partners can choose payout offunds in FIAT currency

▪ Minimum payout is 500 USD/local equivalentor latest after 7 days FIAT will be credited

K-MERCHANT Gold Status

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GOLD STANDARD GROUP

▪ Presentation and begin of operation of the bank in Brazil on 15th December 2019

Gold Standard Group news

▪ Presentation of the IPO strategy and prospectus will be presented at 15th December 2019

▪ This prospect paper includes all details for stock exchange listings and all other informations for ourcommunity and affiliates

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LATEST NEWS

Latest news

▪ Distribution of KCB coin ICO has been extended until 15th December

▪ On CEMs you can exchange as much QR codes as you want. Depending on the amount of CashGold in the CEMS. Exchange of 100 KBC for 1 gram gold per day is still valid on Karatbit.

▪ The hardfork, the merge of KBC and KCB, is announced for end of December 2019.

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START TODAY!

▪ Contact your referring affiliate immediately.

▪ Register your free account now.

▪ Take advantage of our systems and use your own landing page immediately.

▪ Visit our webinars, live meetings, conferences and team pages to use our affiliate tools.

▪ Contact our support team – you are independent but not alone.

Thank you!

karatbars.com

karatgold.io

karatcoinbank.io

karatbit.com

k-merchant.com

© 2011-2019 Karatbars International GmbH, all rights reserved. Karatbars is an international Trademark

No liability will be incurred for misprints or incomplete specifications - subject to alterations, errorsexcepted. The decision of Karatbars International GmbH and Karat Gold Cooperation PTE. LTD. management is final, with no recourse; participation in the Affiliate Program is your acknowledgement and acceptance of theseterms. Karatbars may at its sole discretion substitute or replace features of the compensation plan. Affiliates are responsible for any taxes due to the commissions earned.