Find out how one city in the UK is leading the way with a new type of currency linked to gold. Also find out how your business or non-profit organisation could lead the way in your city or your country and raise extra funds for you at the same time as bringing benefit to your local community.

1. How to Build a New Level
of Community Using
Currency
A new opportunity to build an Egalitarian Community

2. Why do we need a new currency?
 Chris Martenson in his online Crash Course has shown how
the Economy, Energy and the Environment are connected
 Destruction of our environment, pollution, a desperate
search for new raw materials, climate change – all are
linked to the way that our fiat currency, the £, has been
designed – it needs growth and inflation to avoid collapse
 In 1931 the UK came off the Gold Standard and the £
became a fiat currency, which was a licence for the Bank
of England to create unlimited money
 Fiat means order or decree – it is money because the
government says it is – its value is based on faith
 Since then wealth has been channelled increasingly to
0.01% of the population – is it a coincidence that these are
banking families, Rothschilds, J.P. Morgan etc ???

3. Exponentially growing debt is the reality
for the remaining 99.99%

4. Weaning ourselves off fiat currencies
 Cycles of boom and bust have always occurred with fiat currencies –
history is littered with the remnants for thousands of years. No fiat
currency has ever survived the test of time.
 If you are not aware of this yet and want to explore it more – read J.S.
Kim “The Golden Gift” on Lulu.com ( all profits donated to charity )
 The longer we rely on £ sterling without a gold standard to hold it in
check the more likely it is to collapse.
 Unfortunately we cannot abandon £ sterling completely because it is the
legal currency of the land and we need to pay our taxes with it.
 However, this doesn’t mean we have to use it exclusively!

5. Who should hold the power?
 The design of currencies is not really an
economic issue it is a sociological one
 Those who create money have power over
us
 For centuries the power to create money
has been surrendered completely to banks
 We allow Central Banks to manipulate the
economy and other banks to hold the
power to issue debt and control how much
currency is circulating in our economy
 Without debt there could be no fiat
currency to move around the economy
which makes us all completely dependent
upon the banks !

6. Is Reform the solution?
 Money Reformists, like the
Positive Money movement,
suggest that National
Government should take away
the power of the Bank of
England and print money
themselves – this would abolish
National Debt and put the power
in the hands of the government.
 BUT – do we trust government to
design a currency that would be
to our benefit?

7. Why not take back the power ourselves?
 We can create our own currency
and reduce the amount of power
that banks and governments have
over us
 We can do everything we possibly
can to remove ourselves from the
prison of exponentially growing
debt that is sending us over a cliff
towards climate change

8. How should a currency be designed?
 No interest charges should be
incurred for loans
 Fractional Reserve Lending
needs to be prohibited
 These two are the primary
factors that lead inevitably to
exponential growth and
hyperinflation
 If a currency is 100% backed by
Gold then we can have a stable
currency without boom and bust
cycles

9. Rules for a User Created Currency
 A currency can be created by users of the
system, not bankers and not governments. This
way we control our own lives.
 The costs for transferring money between users
should be minimised.
 The people in charge of looking after the system
that manages transactions are entitled to earn a
modest living but should not become the
wealthiest in the community.
 The main objective should be to bring benefits
to the users of the system not those who run it.

10. What is a community currency?
 A community currency is a
currency that is owned by the
community that uses it
 A community currency benefits
the community that makes use of
it in social, and environmental as
well as economic ways
 A community currency is created
by the individuals that make up
this community

11. Is such a currency possible?
 Meet the UK Karatbars Exchange
 Members of this community have the
choice of using two currencies.
 The first is called the Realm
 The second is called Karatpoints
 Both of these currencies are linked to
the value of 1gm Gold in the form of a
classic Karatbar

12. What are Karatbars?

13. Where do we get them from?
Go to www.karatbarslancaster.co.uk

14. How do we spend them?
 Option 1 – Carry them around and spend them in local businesses that set themselves
up as K-Exchange Centres
 Option 2 – Exchange a physical Karatbar for the online digital currency called the
Realm in the UK Karatbars Exchange
 The first option is easiest, especially if you like the convenience and anonymity of
physical cash
 But K-Exchange Centres will need to have a margin of between 10-15% to make it
worth their while to buy and sell Karatbars
 There is also the risk of loss or stealing while carrying them in your wallet
 The second option gives you 100% of the value of the Karatbar to spend anywhere in
the UK and charges no transaction fees.
 You can use a Mobile or a PC or a Tablet to transfer value from one member to another

15. Where does cash fit into all this?

16. Why use Gold as a commodity to back Realms?
 It is the only commodity that is recognised around the world as
deriving its value from its use for storing value i.e. as money! It does
not deteriorate over thousands of years and it is not used for many
industrial purposes.
 Because of this it is the only commodity that is free from VAT!
 The value of the £ is designed to become less over the years
( £1161.80 was required in 2011 to buy the same in 1970 for £100 )
(1 gm Gold was worth 15 shillings in 1970 – today it is worth around £40 )
 Currencies around the world used to be backed by Gold – economies
were a lot more stable then
 For long term resilience are we better backing Realms with the £ or
with 1gm Gold?

17. Do prices go up over the years?

18. Do £’s fluctuate against the $

19. Do Euro’s fluctuate against the $ ?

20. Does the price of Gold vary against the $ ?

21. What has happened to Stocks and Shares
over the last few years?

22. Let’s Focus on Gold Prices in 2015

23. And in the last 60 days …..

24. Quote from Market Watch
Article 6th October
 “Mark O’Byrne, research director at GoldCore in Dublin, was today bullish on
the outlook for gold prices.
 He believes that gold may have “bottomed in the summer,” and could climb
to as high as $1,300 an ounce by the end of this year.
 And longer term, O’Byrne expects gold to “double in price and surpass its
inflation-adjusted high of $2,500 per ounce in the next 3 to 5 years.”
 The metal “remains undervalued when compared to assets such as stocks,
bonds and property—all of which have surged in recent years,” he said.”
 These predictions are basically saying that prices of Karatbars could rise from
£40.08 today up to £45.69 by Dec 31st and up to £88.17 in the next 3 to 5
years.

25. Why buy Gold and use it for Trading?
 The price of Gold against the £ can go up or down BUT at this moment in time the
price is far more likely to go up than down as a general trend
 The general trend could be upwards for the next 10 years like it did from 2000 to
2011
 Along the way there will be ups and downs
 As a community if we use Realms backed by Gold we will have a growing common
reserve of gold that is highly likely to increase in value
 By using Realms to trade when the price is increasing both parties benefit
 By buying more Karatbars and exchanging them for Realms when the price is
decreasing then there is more value to gain as the price starts to increase again
 You can’t do this with a community currency backed by the £ as the £ always
decreases in value as time goes on

26. Do we all now understand why we could all
benefit by buying Karatbars and to start to
trade with Realms?

27. What are Karatpoints?
 We are not creating currency by exchanging £’s for Karatbars and then
for Realms. All we doing is exchanging measures of value and
preserving it within the community.
 Karatpoints are how we introduce liquidity into our community that
isn’t there at the moment.
 Business members or Organisation members of the Karatbars Exchange
are allowed to issue Karatpoints against an overdraft limit they are
awarded according to the level of Business Package they choose
 They can award them like loyalty points to make a purchase from
them more attractive
 They can accept payments in part Karatpoints and part Realms.
 They can pay off their overdraft by converting Realms to Karatpoints
or by accepting payments in Karatpoints

28. How do Karatpoints create liquidity?
 Businesses and Organisations can trade with each other using
Karatpoints and Realms
 By making use of their overdraft facility a business is effectively
taking on a loan from other businesses interest free
 The businesses who give loans can get their loans paid back by trading
with other businesses and organisations so the loan is being passed
around
 It gets paid back when someone decides to convert Realms to
Karatpoints so that they stop having to pay their overdraft fee of 0.01
Realms per month per 1000 Karatpoints overdrawn
 Karatpoints allow the community to get round the limitations of there
being insufficient money around to pay for their goods and services.
The entire business community can create liquidity to work together

29. Who pays for the cost of administering
the UK Karatbars Exchange?
 The simple answer is - Karatbars International plc
 Each business and organisation joining the exchange will become a marketing affiliate
of Karatbars International
 Each business and organisation earns commissions for introducing other businesses and
organisations to the exchange and points for each Karatbar bought by their customers
 The design of the commission structure means that each affiliate only needs a team of
two others and then helps them to build their team
 The exchange will grow through word of mouth and the commissions earned will
hopefully cover the full costs of administering the system
 No charges need to be made for individual users of the system

30. Recap - Rules for a User Created Currency
 A currency needs to be created by users of the
system, not bankers and not governments. This way
we control our own lives.
 The costs for transferring money between users
should be minimised.
 No interest charges should be incurred for loans
 Fractional Reserve Lending needs to be prohibited
 The people in charge of looking after the system that
manages transactions are entitled to earn a modest
living but should not become the wealthiest in the
community.
 The main objective should be to bring benefits to the
users of the system.

31. Where do we go from here?
 Some of you may want to start purchasing some Karatbars for yourself while
the price is still relatively low.
 Some of you may want to join the UK Karatbars Exchange as a free member so
that you can exchange Karatbars for Realms and then spend Realms and
Karatpoints.
 What I need is a team of businesses and organisations who I can help to
promote this opportunity to others
 Each member of that team will become an affiliate of Karatbars to start
earning commissions as we recruit more businesses and organisations into our
team
 Lancaster can be the first city to really get to grips with using a gold backed
currency again so that we can then help others to share in this truly equitable
community currency

32. Contacts
 Tony Haslam No Ink Marketing 07428 669856
tony@noinkmarketing.digital
 http://www.karatbarslancaster.co.uk
To Purchase Karatbars online
 http://www.karatbarsexchange.co.uk
To become a member and trade 100% of the value of your
Karatbars using Realms and Karatpoints
https://www.facebook.com/The-Realm-Exchange-
800749196712135
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