Calco Group Program   

Lifetime Financial Security

Lifetime financial security for ANYONE regardless of experience, education or background. Must be of legal age. No selling, no interference with present job. Easy as one, two, three. Too good to be true? Then walk away.

Participation in our Group Program is totally optional and doesn't cost a dime over the one-year $49 regular Calco Business World advertising account that the GROUP REFERRER or the GROUP LEADER options come with. For those who have thirty or forty minutes to read and study the following information details or know someone who is fluent in English and actually honest who will read and explain it to you, we promise the following is your ticket to a better life because it's easy and anyone can do it...ANYONE!

Participating in our Group Program is as easy as one, two, three.

1. Open a one-year $49 Calco Business Group Referrer world advertising account.

2. Within three (3) days from opening your own new account, you MUST refer two (2) reliable people you want to help (they cannot be your spouse or children who live with you) to also each open the same type of new account that you just opened (a Calco Business Group Referrer world advertising account) being sure that EACH OF THEM  correctly enters your unique referral code (located on the Profile Page of your new account) on their new Group Referrer Registration Form they each submit with their payment to Calco.

By referring two new Group Referrer accounts within three days from opening your own new Group Referral account, Calco rewards you by continuing to pay you referral compensations for the same Group Leader's groups of the Group Leader accounts that you referred, annually for life as the group members renew their annual accounts and for new members added to the groups as long as you and your referred Group Leaders meet the conditions listed below. If you don't make your two new Group Referrer referrals, or the conditions listed below are not met, your referral compensations for groups built by Group Leaders you referred are not continued after the first year term of your own Group Referrer account.

3. Then, all Group Referrer account owners wait for their notification of our new site's launch date from Calco in the news column located on their own account's page they land on when they login to their own account. The new, state of the art Calco World Market website will be launched on its Grand opening date which will be when you began referring two or three new Calco Group Leader accounts without ever having to sell them anything.

These Group Leaders that you refer using our brochure or word of mouth will be able to each easily start a single group with little effort that will probably grow on its own into potentially several hundred or even thousands of group account members in the group over the years (they are all one-year accounts that are incentivized by the Group Leaders to renew annually). You the Group Referrer who referred the Group Leader(s) who each start their own single group and the Group Leaders whom you referred are EACH paid $10 per group member in the groups yearly for as long as you, the Group Leader's referrer AND the Group Leader each keep your annual accounts renewed within the ten (10) day grace period yearly and always keep your accounts in good standing with Calco by always complying with Calco's TOU, Privacy Policy, Prohibited Items Policy and Stipulations Agreement.

An example of your potential annual income from referring just two new Group Leader accounts that build an average group size of 500 members would generate $10,000 yearly income for the Group Leader and $10,000 for you the Group Leader's Group Referrer. Calco believes these groups will continue to grow in size and income annually for you, the Group Referrer, and the Group Leaders you refer. If, over time, you continue to occasionally refer additional new Group Leader accounts, a total of 20 referred Group Leader accounts could potentially bring you $100,000 or more in annual income without any additional effort and no maintenance! Earned compensation payments will be made monthly into your bank account by Stripe payment services.

Our brochure you leave with the prospect that contains your unique referral code will contain all of the program's persuasive features that should induce a good number of them, who aren't mentally challenged, to enlist in our Group Program. It's just too good of a deal for most people to pass up!

Most of these people will sign up using your referral code located on the brochure they received from you. They can't open their new account without a referral code (your referral code which you enter on the brochure they received from you) entered on their new account Registration Form they fill out when they open their new account. Brochures can be handed out or mailed. Remember, the Calco system should potentially offer some protection for the referrer since it doesn't allow any type of new account to be opened without a referral code!

Just think...EACH new Group Leader account that signs up for an account can mean thousands of dollars automatically sent to your bank account year after year for many years without you having to lift a finger other than watching the money accumulate in your account monthly. You are always permitted to refer an additional Group Leader account whenever you wish. Remember, referring new advertising accounts for Calco is always OPTIONAL NOT EVER REQUIRED!

And, you can have and continue to use your one-year world advertising account as long as you NEVER FAIL to renew your own Group Referrer account annually within the ten (10) day grace period if you are a few days late with your annual account renewal payment.

You the Group Referrer and the Group Leader(s) you refer, MUST, of course, always keep your Group accounts in compliance with the Calco site's very reasonable TOU, Prohibited Items policy,  Privacy Policy and special Stipulations Agreement.

Calco’s promise

Our Group Program is based on common sense. It’s clean and honest. The business plan of our Group Program is practically identical to that of the common fire and casualty insurance agencies where many people nationwide purchase their home and auto insurance.

But, our Group Program is much SIMPLER AND EASIER than the insurance agency business. There is no office space costs, furnishings, equipment, utilities, employees and other office overhead required for our Group Program. And, if you presently have a full-time job, it will NOT interfere with your job either!

GROUP PROGRAM DEFINITIONS  AND DETAILS

A) Group Referrer. A Group Referrer is an individual or company that owns a $49 one-year Calco Business Group Referrer world advertising account and is compensated by Calco with $10 each for Calco Personal  world advertising accounts that are part of the account groups that are started by Calco $49 Business Group Leader world advertising accounts that are referred by the Calco Business Group Referrer.

B) Group Leader. A Calco Business Group Leader world advertising account can be an individual, company, organization, church, leader of a group or a business that owns a $49 one-year Calco Business GROUP LEADER world advertising account who is referred by a Group Referrer and commits to building a single group of Calco $49 PERSONAL world advertising accounts (composed of only $49 one-year Calco Personal world advertising accounts), that are connected directly or indirectly by Calco referral codes that are traceable back to the Group Leader.

Calco compensates the Calco Group Leader  $10 each for ALL the $49 one-year Calco Personal world advertising accounts that accumulate in the group that the Calco Group Leader STARTS by personally, directly referring up to ten (10) reliable people to each open their own $49 one-year Calco Personal worldwide advertising account with the Group Leader's own Group Leader referral code correctly entered on the new Personal account Registration Form the ten reliable people each fill out and submit to the Calco World Market website with their $49 payment processed by Stripe at the site when they submit their completed Registration form and payment to Calco. The Group Leader can periodically use his Group Leader's referral code to refer additional Personal accounts to his group. It is not mandatory that a Group Leader starts his group with ten referred Personal accounts, but starting with ten makes it more certain that the group will expand if starting with ten or more accounts.

The Group Leader, just like an insurance agency when an insurance policy renews annually, is compensated the same $10 again and again, year after year as long as the Personal accounts in his group continue renewing their one-year accounts. The Group Referrer that referred the Group Leader is ALSO compensated an equal $10 per account in the group that the Group Leader received including the group's account renewals!

And the groups should grow in size monthly through the coming years WITHOUT the Group Leader or the Group Leader's Group Referrer having to lift a finger for reasons included in the following info covering Calco's Group Program.

If one of the entities in paragraph "A" or "B" wishes to open a Group Referrer or a Group Leader account and was NOT referred by anyone, Calco must receive a WRITTEN memo from them through Calco's "Contact us" page of their wish to open a Calco Group Leader or a Calco Group Referrer account and were not referred by anyone or a brochure.

Calco will promptly provide them a referral code to enter on their new Calco Group Leader or Calco Group Referrer Registration Form.

Direct and Indirect Referrals 

Example: a DIRECT REFERRAL is account "Adam" has two children who were DIRECTLY sired by Adam. His two children had three children, those three children each had two more children etc. All the additional children were not DIRECTLY sired by Adam, but they are all INDIRECTLY connected back to Adam. They ARE ALL TRACEABLE BACK TO ADAM by DNA. They are all part of Adam's family tree.

A Calco Business Group Leader starts his group by directly referring the first ten (10) or more members of his Group with his own Group Leader account referral code on each of their new account Calco Personal advertising account Registration Forms they submit to Calco at the website.

From there on, these ten (10) or more new accounts directly referred by the Group Leader, are INCENTIVIZED to build the Group Leader's group by qualifying their own accounts by each referring two new Personal accounts. ALL the different referral codes of the new accounts added to the group from there on ARE TRACEABLE BACK TO THE GROUP LEADER's account referral code...like a family tree.

We think our Group Program will absolutely provide ANY person of legal age, whether they are a Group Leader or the Group Referrer who referred the Group Leader who builds a group, an EASY way, regardless of age, race, education or experience to earn thousands of dollars ANNUAL INCOME PER GROUP LEADER ACCOUNT year after year with little or no maintenance! A real beauty of this is that Calco WILL CONTINUE paying the Group Leader AND the *GROUP REFERRER who originally referred the Group Leader EVERY YEAR the Group Leader's group's accounts renew their annual accounts or new Personal accounts are added to the group *if the Group Referrer who referred the Group Leader account, originally "qualified" his Group Referrer account by referring two (2) new $49 Calco Business Group Referrer world advertising accounts within three (3) days from when he purchased his own Calco Business Group Referrer world advertising account.

Both the Group Leader and the Group Leader's Group Referrer must never let their annual accounts expire and fail to promptly renew them within the ten (10) day grace period!

LOSS OF INCOME STREAM 

1) If the Group Leader's Group Referrer fails to renew his annual account, the Group Referrer FOREVER loses his income stream from the Group Leader(s) he referred! In this scenario, the Group Leader's income flow from the group he built is UNAFFECTED by his Group Referrer's failure to keep his own one-year Group Referrer account renewed within the ten (10) day grace period.

If the Group Leader opens a second Group Leader account at a second business location or when he renews his original Group Leader account and his original Group Referrer has failed to renew his own Group Referrer account or is deceased, the Group Leader MUST contact Calco for a replacement Group Referrer referral  code to use when he renews his Group Leader account or opens an additional Group Leader account. Group Referrer accounts cannot transfer their account ownership to another entity.

2) If the Group Leader lets his one-year Group Leader account expire and fails to renew it, BOTH HE AND THE GROUP REFERRER will result in forever loosing the income stream from the group the Group Leader built with the Group Leader account that expired and was not renewed within the ten (10) day grace period. Group Leader accounts cannot transfer their account ownership to another entity.

The Group Leader STARTS THEIR GROUP by personally referring a minimum of at least ten (10) or more reliable people who will each open a Calco $49 one year Personal World advertising account and each promise the Group Leader they will then “qualify” their new account by referring two new Calco $49 one-year Personal world advertising accounts that open their new Personal advertising accounts with the referral code of the Personal advertising account that referred them accurately entered on their new Personal account Registration Form they each submit to Calco. The referral code system connects ALL the group's accounts together like Adam's family tree example described above.

It is extremely important that all new group account participants are always told they should "qualify" their accounts!!! Qualifying their account is always optional, but highly recommended. The Group Leader should explain to them the wisdom of qualifying their account! And they must always each emphatically tell their two referrals they too should qualify their accounts!!! The Group Leader MUST always give incentives to participants in their group they are building to QUALIFY their new accounts! 

When a Calco Personal account "qualifies" their new account by referring two new one-year Calco $49 Personal world advertising accounts that open their new accounts with the referring Personal account's referral code entered on their new Personal advertising account Registration Forms they submit, Calco rewards the referring Personal advertising account by rewarding the newly qualified Personal advertising account with the very valuable CALCO DISCOUNT CARD FOR its next five annual renewals as long as the advertising account that it is attached to continues to be renewed. The card will expire annually but will automatically renew annually so long as the Calco advertising account to which it is attached continues to be renewed annually and in good standing with Calco.

IF THE TOTAL NUMBER OF ACCOUNTS IN THE GROUP ONLY AVERAGE  AS LITTLE AS 55% OF THEM THAT QUALIFY THEIR ACCOUNT, IT'S A MATHEMATICAL CERTAINTY THE GROUP TOTAL WILL CONTINUE TO GROW unless there is some government action, war, natural disaster or other occurrence that is beyond Calco's control.

A Group Leader can continue to refer new accounts to his group in the SAME Group Leader account as long as he wishes and understands all his group referrals in that specific Group Leader account added all together will carry into his account's next one-year term and continue to grow. In this scenario, Calco will continue paying the Group Leader and his Group Referrer for an existing group's accounts' renewals and NEW GROWTH SINCE THEY WERE LAST PAID as long as their accounts remain in good standing with Calco and the Group Leader and his Group Referrer never fail to keep their annual Calco Group Leader and Group Referrer accounts renewed or there is a death of the Group Leader or the Group Leader's Group Referrer.

The first payments to the Group Leader and his Group Referrer who referred his Group Leader account are made the month AFTER the month when the Group Leader's group is begun.

Thereafter, both the Group Leader and the Group Referrer are each paid again for each account added to the Group's total from the month before, regardless of the number of accounts in the increase.

Remember, THERE IS NO GUARANTEE of how much a Group Leader's account's group total will grow. The Group Leader and the Group Leader's Group Referrer will each still be paid $10 per account for whatever number of accounts a Group Leader's group growth increases over the previous month's total.

Important. GROUP REFERRERS may refer as many Group Leaders and Group Referrers as they wish. GROUP LEADERS may refer as many new accounts for their single group as they wish. The larger the number of Calco Personal advertising accounts the Group Leader is able to begin his group with, the faster and more certain his group will grow in size!

Remember, unlike insurance companies or agencies that pay sales  “commissions” or salaries to their licensed employees or agents for “selling” their fire and casualty  insurance policies, Calco doesn’t use employees or agents to “sell” our advertising accounts.

Instead, Calco “compensates” our advertising account owners when they “refer” someone to purchase a Calco advertising account…just like utility companies, banks and other businesses commonly offer their existing customers monetary incentives to “refer” new customers to their businesses. Our Calco advertising account owners ARE NOT CALCO EMPLOYEES and have no authority to "SELL" Calco advertising accounts.

However, they are permitted to "refer" Calco advertising accounts and be compensated for their referrals. Our Calco account holders ARE NEVER FORCED TO REFER NEW accounts! They MAY, however be offered incentives to refer new Calco accounts from time to time.

There is no investment required other than you must pay $49 for a one year Calco Business GROUP REFERRER world advertising account, $49 for a one year Calco Business GROUP LEADER world advertising account or $49 for a one year Calco PERSONAL world advertising account if you wish to purchase one of the three. No license is required, no office, employees, furnishings, equipment or overhead other than the cost of high quality brochures (if you choose to use them) for handing out that we think will cost about an estimated 25 cents or less each. 

The brochures are intended to do the “referring” for the referrer by explaining the incredible opportunity the Calco’s Group Program offers. In other words, the brochure should provide all the details of how the program works so the referrer won’t have to explain it. 

The estimated twenty five cents or less each costs for the brochures including shipping and any applicable sales tax is only an estimate since we haven't received bids from printers yet. We HIGHLY RECOMMEND you use them! Once the brochures are produced, they can be purchased in lots of 100.  There will be an order form for brochure purchases in our new site once the new site is completed and launched.

All this information provided here will be provided by our brochures in some "power point" form with all the details indexed to correlate with sections in the present worksite FAQ area as well as the coming new Calco website's FAQ section. This information is divided into two sections. 

Section A is a general summation of how the program works. Section B is all the details of the program that we could think of in an effort to not accidentally omit any info you might seek. 

Last, please be sure to fully read both Section A and Section B before asking us any questions regarding the Group Program. If you can’t find the answer to a specific question you have, please email us (PLEASE, NO PHONE CALLS until the updated new site is launched, so please submit your questions in written form) your question(s) through our “Contact us” page at the worksite...www.calcoworldmarket.com.

How the Calco Group Program Works 

Section A

SA-1 **You can join our Group Program by going to our temporary worksite www.calcoworldmarket.com and opening a new Calco Business GROUP REFERRER world advertising account only.

Business GROUP LEADER accounts, Personal accounts and the posting of ads will not be available until the Grand Launch day of the new site. Calco is offering incentives to pre-launch purchasers of Business GROUP REFERRER accounts.

If, at anytime BEFORE the launch date of Calco's revised www.calcoworldmarket.com website, Calco receives a written request  for a full refund of the $49 a purchaser paid for their Calco Business Group Referrer  account, through our Contact us page at the present www.calcoworldmarket.com worksite from an early purchaser of a Calco Business Group Referrer world advertising account, Calco will refund the full $49 they paid for their account plus 5% APR interest on their $49 payment.

**A one-year Calco Business Group Referrer world advertising account cannot build groups. This type of account can presently only refer new Calco Business Group Referrer world advertising accounts. Once the new site is launched it can also be used to refer new one-year Calco Business Group Leader worldwide advertising accounts AND its primary purpose which is to post up to three different ads simultaneously, using Calco's generous and extremely versatile (ranging from local only to three different places worldwide or worldwide only) advertising system and having a Business Listing with a live link to its own website plus links to any ads currently posted.
**Calco is currently accepting ONLY Calco Business GROUP REFERRER World Advertising Accounts so that we can have sufficient time to put together a large number of Business Group Referrers worldwide who can be ready to each refer at least two Calco Business Group Leader accounts to open their accounts on our new site's Grand Launch day. 

A Calco Group Referrer and Calco Group Leaders' potential maximum income is unknown since the Group Referrer's income and Group Leader's income is based on the increase in their businesses' gross business volume generated by their advertising campaigns plus the number of the individual accounts in the groups that are built by Group Leaders the Group Referrer refers. These groups can continue to grow in the number of accounts in them over a great number of years as long as the Group Leader and the Group Leader's Group Referrer that referred the Group Leader continue to keep their annual accounts renewed and in good standing with Calco's TOU, Privacy Policy, Prohibited Items Policy, Stipulations and other policies and rules of our Calco website and continue to live. Income to the Group Leader and the Group Leader's Group Referrer will end upon the death of the Group Leader. If the Group Leader's referring Group Referrer dies first, the Group Leader's account will continue receiving compensation payments until his death.

The Group's Referrer and his referred Group Leader will continue being paid for those same accounts that renew their annual accounts in following years if 1) the referred Group Leader that built those group accounts keeps his account renewed and 2) the Group Referrer of the referred Group Leader 1) keeps his Group Referrer account renewed and 2) qualified his account for lifetime payments of the renewals of the group accounts of his referred Group Leader accounts, by referring two new Calco Business Group Referrer accounts within three days from when he purchased his own Calco Business Group Referrer account.

Both the Group Leader account and the Group Referrer account must keep their accounts always compliant with Calco's TOU, Privacy Policy, Prohibited Items Policy, Stipulations and all the other Calco site's rules and conditions.

The current www.calcoworldmarket.com worksite's Business advertising account information page will provide you information covering the two different types of Business Advertising accounts we offer. 

SA-2 Once the new site is launched, in order to participate in our Group Program, you will need to open either a Business Group Referrer account or Business Group Leader account, whichever one best suits your intentions. If you intend to refer Group Leaders or Group Referrers, then you will need to have a Business Group Referrer account and don't forget to refer two new Calco Business Group Referrer accounts within three (3) days from when you purchased your own Group Referrer account if you want to qualify your new account for lifetime compensations for the group account renewals of your referred Calco Business Group Leader accounts. 

If you ONLY intend to BUILD your own group, then you should purchase a Business Group Leader account. If later, you decide you would also like to refer new Group Leaders or new Group Referrers, you would simply open a second account which would be a Group Referrer account using a different username for your second account. Calco can never sell more than one account using the same username.

LIMITATIONS

Group Leader accounts may build only one group in a single Group Leader account. If a Group Leader has multiple business locations and wishes to build a group at each location, they would need to open a new, different Calco Group Leader account for each location, each having a different username for their account and each building their own separate group.

So, a Group Leader may build as many groups as they wish, but they must purchase an additional Group Leader account for each new group they build.

VERY IMPORTANT. The present worksite will process and set up your new Calco Business Group Referrer account ...but, DO NOT post any ads or make any Group Leader referrals (if you open a new Group Referrer account) until our new site is launched. Your account info you enter on our temporary work site will be transferred over to our new site when it is completed just before it is launched. The early account you open will receive A FULL ONE YEAR TERM from the date of our new site’s Launch date. 

SA-3 Once our new site is launched, after opening your Group Referrer or Group Leader account, you MUST open a FREE PayPal personal or business account. Your PayPal account username info will need to be entered in the PayPal window on the Profile page of your new account so we can pay you your earned compensations after PayPal sweeps all our Group Referrer and Group Leader accounts monthly and distributes earned referral compensations to all our Group Leader and Group Referrer accounts.

SA-4 Then, you do nothing until our official CalcoWorldMarket.com site is launched.    

SA-5 On Calco’s new site’s official launch date, if you already have your Group Referrer account, you are asked to refer at least two new Group Leader accounts to each open their new Calco Business Group Leader advertising account with your Group Referrer account's referral code accurately entered on their new Group Leader account Registration Form they each submit with their $49 payment to Calco.

SA-6 On our new site’s launch day, Group Leader’s can open their new Group Leader account and begin building their group of accounts which must be composed of only $49 Calco Personal world advertising accounts. So, the Group Leader’s own $49 Calco Business Group Leader world advertising account is not counted as part of the group total even though the Group Leader directly referred the first ten or more members of the group.

SA-7 During the month following the month your referred Group Leader(s) began building their group(s), Calco pays your referred Group Leader(s) $10 per account in their group(s) through their PayPal account. Remember to remind the Group Leader you referred of the potential power of Calco's generous and very versatile ad posting and Business Listing.

SA-8 You, the Group Leader’s referrer in the scenario above, are also paid $10 per new Personal account in the group of your referred Group Leader's group account through your PayPal account the username of which is entered in the PayPal window of the Profile page of your Group Referrer account. 

SA-9 Your unique Calco Business Group Referral code will be located on your Group Referrer account's Profile page. Your unique Calco Business Group Leader Referral code will be located on your Group Leader account's Profile page.

SA-10 Thereafter, in subsequent months, the Group Leader's Group Referrer and referred Group Leader are each paid monthly for additional accounts added to the group. Compensations are always paid during the month following the month the additional accounts are added to the group’s total.

Section B—Group Program details   

SB-1 You the Group Referrer, using your Calco Business Group Referrer account, refer a Group Leader who must first open a Calco Business Group Leader account and MUST ACCURATELY ENTER your Group Referrer’s referral code on their new Calco Group Leader Account Registration Form they complete. Your newly referred Group Leader then submits their completed new Group Leader Registration Form at the Calco site.

They will be taken to the payment page that PayPal administers. No cash or checks are accepted for payment. Payment can be with any debit/credit card that PayPal accepts. PayPal offers a no-interest, four payment finance plan for the new account purchase price to eligible borrowers.

After payment for their new account is accepted by PayPal, the new Calco Business Group Leader automatically receives an auto responder letter in his email that congratulates and thanks him for his new account etc. and the letter will include a live link that takes him to the Calco site's sign in page where he logs in to his new account and is asked to immediately fill out his account’s Profile page and be sure to  change his account login PASSWORD to a STRONG PASSWORD!

SB-2 After the Group Leader purchases a $49 one year Calco Business Group Leader advertising account and has changed his account password to a strong new password, he refers at least ten (10) or more new accounts to start his group. Ten (10) is not required but a group will build much faster if started with the largest number possible by the Group Leader. Starting with ten 10) is strongly recommended. The Group Leader can always continue to periodically refer additional new accounts to his group to help it grow faster.

SB-3 The ten (10) new accounts must always be Calco Personal accounts. Group accounts can NEVER INCLUDE ANY TYPE of BUSINESS ACCOUNT.

Next, within three days, the first ten accounts each refer two new accounts, resulting in twenty (20) new accounts. Again, the referring accounts should strongly emphasize to the two new accounts they are referring, the advantage of qualifying a new account for a very good reason. All qualified accounts receive the very valuable Calco Discount Card!!! Qualified accounts are automatically enabled to print out multiple copies of their new card from their account's Profile page providing every member of the family a copy of thethey can present to any of the hundreds of thousands of business advertisers at the Calco market site where many of the the businesses will honor the card with some kind of discount on their products or services. It is at the sole discretion of the business as to what product or service they will discount and the amount of any discount.

SB-4 Within three days, the twenty (20) new accounts each refer two new accounts resulting in forty (40) new accounts. They should remember to stress the advantage to the new accounts of qualifying their new accounts!

SB-5 So far in this example, there will be approximately seventy (70) accounts in the group. 10 + 20 + 40 = 70

SB-6 The group total should then easily, on its own, continue to grow. Why? We think most accounts will want to “qualify” their account by referring two new Calco $49 Personal advertising accounts for the very good reason described above in SB-3.

SB-7 As a Group Referrer in our Group Program, you and the Group Leader you refer can POTENTIALLY each earn some substantial additional income for years without interfering with your present work. Of course, the business that participates in Calco's advertising opportunity should obviously experience a measurable increase in their business volume as well.

SB-8 And group building can be easy for the Group Leader because “qualifying” a new account is easy and common sense! Why? Because a person can purchase a Calco Personal one-year worldwide advertising account for only $49 if they don’t intend to enroll in Calco’s Group Program and refer two new $49 Personal accounts in order to qualify their account to be rewarded by Calco by receiving the Calco Discount Card as described in SB-3 above.

SB-9 As a conscientious person, you should ALWAYS ask the person you are considering referring if they know about or have read Calco’s Group Program info before they purchase an account. 

Additionally, a person CANNOT refer their own account to themself in an attempt to receive double payments, meaning being paid for building a group and for referring their own group. An action such as this will result in the permanent removal (no exceptions) of this person or organization from our Group Program plus a $500 fine if Calco learns about it. Additionally, if this person or organization is caught attempting to open or actually successfully opens a new account with Calco using an alias or different username and is discovered to have used the above methods or any other covert means to open an account with Calco, will be vigorously prosecuted to the fullest extent permitted by law.

If you heard about our program and want to go ahead and purchase a new Group Leader or Group Referrer account, you must contact Calco in writing through our "Contact us" page and request a special code for your new account Registration Form you submit to Calco for your new Group Leader or Group Referrer account stating in writing that no one referred you!

SB-10 The versatile Calco Business Group Referrer worldwide advertising account and the versatile Calco Business Group Leader worldwide advertising accounts can, of course, each be used for their main purpose which is posting three different ads simultaneously that appear locally only, a cherry-picked group of cities, state-wide, a cherry picked group of states, nationwide, a foreign country, selected group of foreign countries or worldwide…the ad poster’s choice every time they post an ad!   

Calco Personal worldwide advertising accounts can post, edit and repost their two ads as often as they want to be available for being seen in whatever location locally or any location worldwide where free people have access to the internet.

There are no hidden charges of any kind…no “up selling” pressures of any kind. No nickle and diming you with hidden charges and fees! Only $49 per year plus any sales tax that some states or countries may charge.

SB-11 If the Group Leader’s Group Referrer doesn’t renew their own one year account that may expire during the group building of one or more of the Group Leaders that the Group Referrer had referred, the Group Referrer will cease receiving compensations payments from all his referred Group Leader accounts effective the last day of the month following the month his Group Referrer account expired and was not renewed. You should never, ever want to let this happen!

If a Group Leader fails to renew their own annual Group Leader account, both the Group Leader and their account's Group Referrer will cease receiving any referral compensations for the Group Leader's group the Group Leader built effective the last day of the month following the month the Group Leader's account expired and was not renewed.

SB-12 Calco Ads LLC which owns and operates the www.calcoworldmarket.com website in no way can guarantee the rate of growth or expansion of a Group Leader’s group’s total number of accounts. Calco EXPECTS the group size totals to grow continuously from month to month and from year to year which COULD POTENTIALLY bring a substantial annual payout to the Group  Leader and the Group Leader's Group Referrer, all depending on the number of accounts in the referred Group Leaders’ groups’ monthly growth.

So remember, you and your referred Group Leader(s) will continue being paid year after year, if you qualied your Group Referrer account when you purchased it AND you the Group Referrer and the group(s) Group Leader keep your annual accounts renewed within the ten (10) day grace period, continue in compliance with Calco's TOU, Privacy Policy, Prohibited Items Policy, Stipulations and all the Calco website's rules and conditions, the groups you referred, we think, will continue growing into the unforseen future.

SB-13 All Calco Group Referrers are asked to help Calco build our number of Group Referrers by each referring two or more additional Calco Group Referrers within three (3) days from the date when they joined Calco's Group Referral program by purchasing their own Calco Business Group Referrer world advertising account.

Any Calco Business Group Referrer who refers TWO or more new Calco Business Group Referrers to Calco within three (3) days from purchasing their own new Calco Business Group Referrer world advertising account, will continue to be paid $10 per account in the groups of Calco Group Leader accounts the Group Referrer referred until 1) the Group Leader account(s) he referred expires and is not renewed, or 2) the Group Referrer's own account expires and is not renewed in which either case the Group Referrer will receive their last payment(s) for any and all group accounts of Group Leader accounts the Group Referrer referred, by the last day of the month the Group Referrer would have normally been paid.

Otherwise, the Group Referrer who helped Calco grow our number of Group Referrers by referring two new Calco Group Referrers will be rewarded by continuing to receive compensations from Calco for active Group Leader accounts he referred for life until he fails to renew his own Group Referrer account or the Group Leader accounts he referred fail to renew their account.

Referral compensation payments to Group Referrers and Group Leaders end when they die. Although presently the ownership of the deceased owners of Group Referrer and Group Leader accounts cannot be bequeathed or transferred to another entity, Calco plans to explore the feasibility of enabling owners of "qualified" Calco Business Group Referrers and Calco Business Group Leaders to bequeath their account to their family or other entities at the account owner's death.

SB-14 It will probably be approximately three months before our new market site will be completed and beta tested. In the interim, we will be putting together our national lineup of Group Referrers so that it will hopefully be completed and ready at about the same time the site construction is completed, beta tested and ready for our Grand Launch.

SB-15 The one year accounts of all pre-launch Group Referrers will be reset to be extended a full year from the date the new, revised Calco World Market website is launched. All Group Referrer, Group Leader and Personal advertising accounts' one-year terms will begin effective the date they are actually opened after the revised site is launched. Both Group Referrers and Group Leaders will need to have their required PayPal business account username (PayPal business accounts are free to open) entered in their Profile page PayPal window so they can receive their compensation earnings from Calco.       

SB-16 Building a substantial additional income using the Calco Group Program should provide hope for many people who have been having to live from paycheck to paycheck, a relatively easy way to achieve an easier life for themselves and their family. 

It should be easy to keep three powerful ads actively posted by your Business account to generate sales for your products and services and finding people or organizations that our Group Program will benefit. By clicking on the "Extras" link on your account's home page, you will see a long list of "memory joggers" that will hopefully be useful in thinking of people you can potentially help.

The Group Referrer can hand them our brochure with their name, phone number and referral code clearly stamped on the brochures they hand out that will explain the program for the Group Referrer.

Or, without a brochure to do the explaining, send them to the Group Program page on the new site for the Group Program information.  As a Group Referrer, you will want to be sure to get the prospect's decision maker's name and phone number. You can also ask them to go to our website and  read both the Calco Personal and Calco Business advertising account information pages. Our new website address will be the same as it is now...www.calcoworldmarket.com

SB-17 REMEMBER, our Calco account holders will NEVER SELL Calco advertising accounts to anyone. They will ALWAYS REFER accounts...NEVER SELL accounts! Our Calco advertising account holders have no permission or authorization to represent or SELL Calco accounts.    

SB-18 After you open your own advertising account and login, you can click on “Extras” on your account owner’s menu or navigation bar and view a sampling of just a few business types that may prove useful in thinking of prospects to refer for our Group Program. Prospects for our Group Program are almost “countless”.     

Churches, grocery markets, department stores, new and used car dealers, trucks, farm equipment, dry cleaners, hardware, clothing, landscapers and countless other businesses that have customer floor traffic or customer contact such as roofers for example, can find numerous ways to profit from our program in addition to their Group Leader’s group compensation income or Group Referrer's income.

SB-19 There are many ways  an individual, organization or business can ensure that the group they are building can quickly reach high total group numbers. They can offer incentives to new accounts that join their group who qualify (qualifying an account is simply referring two new $49 Personal accounts) their account. 

The incentives don’t have to cost the Group Leader anything. One example would be to offer a deal to his first 100 or more group members to join his group and qualify” their account, will each receive an accumulated total of discounts on their purchases of products or services from his business that doubles the amount they paid for their $39 Calco account. Their discounts in this example would be discounts from his PROFIT MARGINS on his products or services, never his costs.

Another idea could be to let his group members make purchases from wholesale catelogs of products he doesn't sell and charge them a ten or fifteen dollar fee for handling their wholesale catalog purchases etc. There are many ways a business can incentivize their customers to join their group and "qualify" their account that are ethical and legal!

SB-20 After your Group Leader prospect has read the information on this page and read the information pages for the three types of advertising accounts Calco offers, they should call you, the referrer, and tell you whether or not they want to start a group. If the potential new Group Leader tells you they want to start a group, you ask them if they have any final questions.     

SB-21 Never guess at answers to any questions they may ask you. Be truthful and precise with your answers.    

SB-22 If you are not sure how to accurately answer their questions, refer them back to the Calco site where they should submit their question to a Calco agent through Calco’s “Contact us” page once our new site is launched. Calco will not tolerate the use of dishonesty or deception in any form by our Group Referrers or Group Leaders when dealing with Calco’s existing or potential customers.    

PROCEDURE FOR REFERRING AND BUILDING A NEW GROUP IN OUR GROUP PROGRAM 

SB-23 Get your new Group Leader to open a new one-year $49 Calco Business Group Leader advertising account with the special ***Group Referrer Code of the  person (you, the Group Referrer) who referred them, correctly entered in the Referral Code window of the new Group Leader account Registration Form, at the Calco site. They submit the properly filled out form by clicking on the button below the Registration Form and are taken to the payment page which is administered by Stripe. After Stripe accepts their payment they will receive an email from Calco that congratulates and sincerely thanks them for their new account. The letter will contain a live link that takes them to Calco's sign in page where the new account owner can log in to their new account!  

SB-24 ***Referral Codes Caution! Everyone MUST use extreme caution when entering referral codes on new account Registration Forms that are submitted to Calco. If Calco receives a Registration Form with an incorrectly entered referral code, it is IMPOSSIBLE for Calco to correct or change the referral code. There is a remedy, but it involves several steps to fix it with a new account and refund for the first account.

So, be very careful!!! Your referral code MUST be entered EXACTLY (the letters might be UPPER or LOWER case, so please pay attention to this) as it appears on your Profile page!

SB-25 Next, the Group Leader should try to personally refer each of at least ten (10) reliable people, (more than ten is better if the Group Leader is able) from their organization or customers to also EACH open a new one-year $49 Calco Personal world advertising account with the GROUP LEADER'S REFERRAL CODE (located on the Group Leader’s Profile page) correctly entered on the Calco new Personal advertising account REGISTRATION FORM they each submit with their payment.

SB-26 It’s very important these first ten or so people of the group MUST ALL BE SURE that everyone of them correctly enters the GROUP LEADER'S referral code on each of their new Personal advertising account Registration Form they each submit to Calco for their new Calco Personal advertising account!

SB-27 Remember, members of a group being built must be ALL Calco Personal world advertising accounts. No one can buy a Group Leader or Group Referrer account and make it a part of a Group Leader's group the Group Leader is building.

SB-28 Remember, Group Leaders MUST ALWAYS use a Calco Business Group Leader account if they want to build a group in addition to posting ads.

SB-29 The group’s ten new Group account holders must each try to “qualify" their accounts within three (3) days by EACH referring at least TWO or more reliable people to each open a new Calco Personal advertising account. The twenty (20) resulting newly referred Personal advertising accounts must give their absolute promise to the person who referred them that they also will “QUALIFY” their new account!

SB-30 Be sure sure from here on (including these twenty (20) newly referred accounts) all your group’s referrals correctly enter the Referral Code OF THE PERSON WHO REFERRED THEM on the new Calco Personal advertising account Registration Forms they submit to Calco so the individual accounts of your referred group will receive credit for referring the new accounts and have their accounts “qualified” to receive the Calco Discount Card.

SB-31 Next, these twenty (20) new accounts that the ten original accounts referred, MUST each ABSOLUTELY GUARANTEE to their referrer that they will "QUALIFY" their new accounts by each referring two or more new Calco Personal advertising accounts who will ALSO each refer two or more new Calco Personal advertising accounts.

SB-32 Again, it is very important that the resulting forty (40) new account referrals correctly enter the referral code of the person who referred them on their new Calco Personal advertising account Registration Form they  each submit to Calco so the account that referred them will receive “qualification” for referring them.

SB-33 After adding forty (40) additional accounts (who each also promise to qualify their account), the  group using the numbers above, should have a total number of 70 accounts in the group (10 + 20 + 40 = 70. If any of the newly referred accounts can’t qualify their account and keep their promise to do so, they should always let their referrer know so the referrer can make up for the broken promise by making additional referrals.     

SB-34 The group numbers used in our example above are not imperative. They are only an example for the approximate numbers necessary for a group to easily continue to grow from here on IF the new accounts added average at least 55% of them qualifying their accounts by each referring two new Personal accounts to add to the group. Remember, ONLY regular $49 Personal advertising accounts can be a part of the group. $49...that's only just a little bit over $4 a month for a worldwide advertising account!!! This can be the ticket for financial relief  for families that can barely afford childcare etc,,

All the referred group accounts should be AWARE OF THE IMPORTANCE of getting their two referrals and if they can't, they should tell their referrer so the referrer can find replacements for any shortages in the number of newly referred accounts.    

SB-35 Actually, we “know” it's a mathematical certainty that a group’s total of new accounts should continue to easily increase, ON ITS OWN, MONTHLY WITH NO FURTHER EFFORT BY THE GROUP OR GROUP LEADER if an average of only 55% of the new members qualify their accounts!

SB-36 A Group Leader is always free to refer additional accounts to his group.

SB-37 Remember, a group total will be composed of directly referred new accounts AND indirectly referred new accounts that are connected to directly and indirectly referred accounts. An example of indirectly referred accounts is the new accounts referred by directly referred accounts and indirectly referred accounts in order to "qualify " their accounts. 

SB-38 The Calco site administrator can easily see the current total of the accounts in a Group Leader’s group any time by simply clicking on the Group Leader’s username and their group total will appear. The Group Leader will also be able to check his own Group Leader group's current total anytime.  The Group Leader's Group Referrer will also be able, at anytime, to see his referred Group Leaders' group totals.

SB-39 If you decide to participate with Calco in this program, please email us from our "Contact us" page at the temporary worksite  as soon as you can if you intend to participate in the program and no one referred you! Calco plans to end recruiting new Group Referrers within about three months.

SB-40 The official new Calco site will be extremely user friendly. The complexity of the programming will carry top flight security and include features such as three daily crossword puzzles (juvenile, adult and advanced), Charities Calco supports, Math Made Easy Tips, English Vocabulary Lessons, U. S. Government Structure, language selections etc. that are intended to drive traffic to our market.    

A THOUGHT TO KEEP IN MIND    

Simply handing our brochure to the right people (hand the brochure to the decision makers with your name, referral code and phone number clearly entered on the brochure) can potentially refer a prospective group leader without having to explain our Group Program to any of them, should be extremely effective! Just be available to answer any questions they may have.

If you don't hear from the ones you gave a brochure, call them after a reasonable time if you had the foresight to get the prospect's name and business phone number and possibly a good time to discuss the program with them. Do everything you can to get them to read the brochure you previously left for them before your call or next meeting! Remember, there can be many thousands of dollars over the coming years for both them and you!

SB-41 We intend to have most of our Group Referrers committed and ready to refer their first Group Leaders by our estimated Grand Opening date.

Part One Instructions---Step A 
1. Directly above this form you will be modifying, will appear the new title of the form in a larger font "Business Group Referrer Registration" and below the title will appear in smaller font a sentence that shall read "You are signing up for a one-year $49 Calco Business Group Referrer world advertising account".  Note to code writer: Be sure this Registration Form will ONLY ACCEPT $49 payment for this account UNLESS ADMIN SETS THE PRICE OF THE ACCOUNT AT A DIFFERENT DOLLAR AMOUNT!!!
2. Modify three windows of this form
3. The first six windows beginning at the top of the form will be required and therefore each will bear a red asterisk, identical to those of the old form.  The label of the sixth window shall read "Your complete postal mailing address including zip code". It will be a required window so it will bear a red asterisk like the other required windows have.
4. Eliminate the content of this seventh window of the form. The new content of the seventh window of the form will be labeled "Your phone number(s)" and will provide adequate space for two phone numbers. The window for phone numbers will not be required so there WILL NOT be a red asterisk for this window.
5. The eighth window located just below the seventh window is for the referral code of the Group Referrer that referred the registrant.  This window needs a red asterisk since it is a required field. It should be labeled "Referral code of the Group Referrer who referred you". The letters GR should already be preprinted in this window in upper case. If the registrant enters the letters GR along with the rest of the code resulting in "GR appearing twice in the space, make the form accept the fact that GR appears two times instead of one time in the Referrer code window and does not reject it.
 6. The rest of the text on the Registration form should remain as is including the red asterisk since it is all required.

Part One Instructions---Step B 

1. Build a unique referral code to be automatically assigned to each new successfully purchased Calco Business Group Referrer world advertising account. 1)The newly assigned unique Group Referrer referral code will be provided in the auto responder email including 2) a link to the existing website and  3) the referral code will also immediately be viewable on the new Group Referrer's Profile Page only after the new account is successfully registered and purchased. It is important that a new Group Referrer code IS NOT  assigned BEFORE the new account registrant SUCCESSFULLY PAYS for his new account!!!
2. There will be a new message appear immediately on his Profile page when he qualifies his own account by referring two new Calco Business Group Referrer world advertising accounts within three (3) days from when he purchased his own new Calco Business Group Referrer world advertising account. The new message states 1) "You have qualified  your account to receive compensation payments for your entire life for each new Calco Personal world advertising account added or renewed in each group built by Calco Business Group Leader world advertising accounts that you referred if 2) your own Calco Business Group Referrer world advertising account is kept renewed annually remaining in force and in good standing with Calco 3) AND YOUR REFERRED GROUP LEADER ACCOUNTS WITH GROUPS YOU ARE BEING PAID FOR KEEP THEIR ACCOUNTS RENEWED AND IN GOOD STANDING WITH CALCO. 4) A second message will also appear at the same time in his Profile page that your Group Referrer account has also qualified to receive the Calco Discount Card which can be printed out for multiple copies by clicking here".
3. The first Group Referrer referral code shall begin with GR (always upper case letters) followed with numerals beginning with 1. So, the first Group Referrer account’s referral code will be GR1. This referral code will be that of Calco's owner, Ken Callaway. This code will NOT be a DEFAULT CODE! We WILL NOT HAVE A DEFAULT REFERRAL CODE. The second Group Referrer account's referral code will be GR2, the third Group Referrer account’s referral code will be GR3, fourth GR4, the fifth GR5 etc. all the way to GR 1,000,000.
4. Coding must be built to enable both the website’s admin (Ken Callaway) AND any Group Leader AND any Group Referrer to click on the Group Referrer's referred Group Leader(s) account(s) username(s) at anytime and see a Group Leader’s group’s current TOTAL NUMBER of directly and indirectly referred accounts that are connected by referral codes that compose his group and can be traced back to the Group Leader’s own Group Leader account that referred the first referrals that started his group. So, at any time, a Group Referrer  should be able to see the current group totals of any Group Leaders the Group Referrer referred. We DO NOT WISH for the Group Leader OR the Group Leader’s Group Referrer to be able to see the entire usernames of the accounts of a group. We are ONLY interested in the totals of accounts in groups at any given time being accessible to the Group Leaders and their Group Referrers. The Group Leader should always directly refer his first ten or more group accounts to start his group. Whenever a Group Leader, refers additional Calco Personal advertising accounts, these additional referrals will automatically be included in his group total that pays both the Group Leader $10 and his Group Referrer $10 each for the new additions to the Group Leader's group. A Group Leader’s own account IS NOT counted as a part of his group's total of accounts in his group. Important: Calco shall NOT EVER pay TWICE FOR A MEMBER in a Group Leader's group during ANY TWELVE MONTH PERIOD!!!!

Very Important: way up above see info with the title "Direct and Indirect Referrals"!!! This info is located down from the very top of this page after the second paragraph below the first time a bunch of Red Font appears on this page- regarding the "Adam example".

The Group Leader's group carries on into the next year and continues into the following years as participating Personal accounts in his group renew their one year accounts plus new accounts are added to the group. The same compensation payments per account in the Group Leader's group, to the Group Leader and his referring Group Referrer continue as well so long as the already defined rules and conditions that cover these compensation payments continue to be met by both the Group Leader and the Group Leader's Group Referrer. Be sure that 100% of all information entered in the new Registration Form is transferred to the new Group Referrer's Profile page that he sees when he logs in to his new Group Referrer account page that he just purchased at the existing Calco World Market.com worksite!!! Additionally, make sure all pertinent info regarding newly sold Group Referrer accounts also appears in the Calco admin's section...info such as when the account was purchased, the referral code of the Group Referrer who referred the Group Referrer account, the Group Referrer account's own referral code and any accounts (Group Referrer and Group Leader accounts) that the Group Referrer has referred.

The End of Part One

*****************************************************
Part Two Instructions---Step A revised 5/21/24

1. Build a new $49 one year Calco Business Group Leader world advertising account Registration Form. The new form you build should be almost identical to the new Registration Form you built in Part One for new Business Group Referrers.
2. Directly above the new form will be its title in the same large font as used in the Part One title for the form used in the registration form for new Group Referrers you built, "Business Group Leader Registration". Below the title in a smaller font in identical size as used in the Part One form will be the sentence that says "You are signing up for a $49 Calco Business Group Leader one-year world advertising account".

The rest of the form (windows one through the eighth window) will be identical to the windows in the registration form you built for new Group Referrers. Also, the text and answers used in the new form you built for new Group Referrers will be the same for this new Group Leaders form including the red asterisk  since the text and answers are all required.

Part Two Instructions---Step B 

Build a unique referral code to be automatically assigned to each new Calco Business Group Leader world advertising account.    

The referral code system you build for Group Leaders will be about the same as you built for Group Referrers in Part One for Group Referrers EXCEPT the Group Leader referrer codes will begin with GL1, the second will be GL2, third GL3, fourth GL4, the fifth GL5 etc. Make sure the GL's are ALL upper case. An account's referral code is PERMANENT and does NOT CHANGE FROM YEAR TO YEAR,

IMPORTANT!!! Calco does not use a "default" referral code, EVER! Calco must be protected from someone coming out of the blue and claiming Calco "stole" a referral from them! We protect ourselves by REQUIRING a new account to give Calco a WRITTEN REQUEST for a required referral code on their registration form only if no one referred them or the Group Referrer who originally referred them is since DECEASED. This is why it is VERY IMPORTANT we protect ourselves from litigation claiming we "stole" a referral from them by a new account providing us "a written request" for a referral code "if they were not referred by anyone" or their original referrer is now deceased.

End of Part Two Instrictions