MEMORANDUM OF UNDERSTANDING

SHARING Economy – Humanitarian Build

Education • Humanitarian Giving • AI • Health • Wealth • Duplication • Pay-It-Forward Sponsorship

Effective Date: Act Now

This Memorandum of Understanding (“MOU”) establishes a common understanding between SHARING — Sending Hope And Rebuilding Into National Goals (“SHARING”) and the undersigned participant (“Participant”) concerning participation in the SHARING Economy Humanitarian Build through IBO Pro, SHARING University, SHARING Workspaces, and participating humanitarian programs.

This MOU is intended to establish expectations, educational requirements, participation standards, and the duplication model for individuals who voluntarily choose to participate in the SHARING humanitarian community.

1. OUR HUMANITARIAN VISION

SHARING Economy is designed around a simple principle:

We accomplish more as a community when we learn and build together.

Our objective is to develop one humanitarian team capable of helping people physically, financially, spiritually,and emotionally while providing an education system that can be easily taught and duplicated from one heart-centered group to the next.

SHARING Economy combines:

Humanitarian Education
Voluntary Donations
Health and Wellness education
Artificial Intelligence
Financial Literacy
Business Opportunities
Marketing and Branding
SHARING Workspaces
Team Building
Sponsorship
Pay-it-forward Strategies
Duplication

This is not about recruiting people. The objective is to:

Empower individuals to rise up and educate others.

2. ENTERING THE HUMANITARIAN BUILD THROUGH IBO PRO

Participation begins by registering with IBO Pro.

Registration with IBO Pro is free.

After registering, a Participant can log in and access the SHARING ecosystem, beginning with the introductory IBO Pro Workspace Level 0.

The Participant understands that joining IBO Pro by itself does not guarantee income, commissions, profits, investment returns, employment, representative status, or any other financial results.

3. SHARING UNIVERSITY HUMANITARIAN COURSE

Anyone who wishes to participate in the SHARING Humanitarian Build agrees to earn their completion check marks by enrolling in all four humanitarian courses and updating their Initiatives in IBO Pro. Participants agree to comply with all course requirements and complete all applicable participation steps for each program.

Program course work can be found under:

✓ Associate’s
✓ Bachelor’s
✓ Master’s
✓ Doctorate

The humanitarian courses provide Participants with an in-depth understanding of how to access funding, increase financial literacy, utilize an advanced AI workforce, and add a cutting-edge wellness solution to their daily routine. Once completed, Participants will be empowered with the ability to teach and duplicate these systems.

4. ASSOCIATE’S COURSE – Check Mark #1

SHARING Donor Trading Initiative

The Associate’s Course focuses on humanitarian giving and the donation component of the SHARING Economy.

The recommended starting amount is a: $155 Humanitarian Donation

Participants will learn about our humanitarian mission, the way donations support humanitarian objectives, and how giving fits into the broader SHARING Economy.

Completion of this course represents the first humanitarian education milestone.

Associate’s Check Mark: ☐

5. BACHELOR’S COURSE – Check Mark #2

SHARING Gold Trading Initiative

The Bachelor’s Course introduces the Humanitarian Gold Trading Strategy.

The minimum starting amount for this program is: $100

Training is designed to help Participants understand the program, its features, applicable costs, risks, terms, eligibility requirements, and how it fits into the SHARING Economy before engaging or presenting to others.

Bachelor’s Check Mark: ☐

6. MASTER’S COURSE – Check Mark #3

SHARING Diamond Trading Initiative

The Master’s Course focuses on our Humanitarian Diamond Trading Strategy.

Our Humanitarian Diamond Trading is designed to help educate, communicate and trading people on the importance of Conflict Free Diamonds.

Master’s Check Mark: ☐

7. DOCTORATE COURSE – Check Mark #4

SHARING Currency Trading Initiative

The Doctorate Course focuses on the Humanitarian Currency Trading Initiative providing tools and education to help fund your mission.

A Participant who wishes to complete this check mark agrees to become a representative and promote this financial opportunity using the tools and what they have learned.

Doctorate Check Mark: ☐

8. THE FOUR-COURSE PARTICIPATION PATH

Participants choosing the Humanitarian path can anticipate the following costs:

Humanitarian Strategy	Amount
Associate: SHARING Donor Trading Initiative	$5 Opportunity
Bachelors: SHARING Gold Trading Initiative	$0 Opportunity
Masters: SHARING Diamond Trading Initiative	$0 Opportunity
Doctorate: SHARING Currecny Trading Initiative	$0 Opportunity
Total Stated Amount	$5 to start

Please note: the $5 figure is a program-cost illusltration. Actual requirements, taxes, shipping, fees, product prices, third-party terms, eligibility requirements, and program conditions may change and should be confirmed before payment.

9. SHARING FINANCIAL WORKSPACE PATH

Participants have access to the SHARING Financial Workspace educational system.

LEVEL 0 – FREE

Travel Savings

When you join IBO Pro, your free registration gives you access to our FREE vacation travel plan. We believe rest, recreation, wellness, and elevated experiences can renew our health and broaden our perspectives.

Sports Gaming

This is a Sports Gaming opportunity that is fun, does not involve gambling, and is available to all.

Brand Marketing

On occasion we will have special “Brand Marketing” vacations for those humanitarians who wish to make a difference while traveling, having fun, and making memories that last a lifetime.

LEVEL 1 Workspace – $5 Donation

Decentralized Trust

A $5 donation unlocks the advantages of a Decentralized Trust to save on taxes and protect your assets.

LEVEL 2 Workspace – $10 Donation

Decetralized Loans

A mere $10 donation provides access to our Personal, Business and Real Estate Loans.

LEVEL 3 Workspace – $20 Donation

Decentralized Card

A $20 donation gives you access to a Decentralized Card which allows you to earn residuals on card purchases.

LEVEL 4 Workspace – $40 Donation

Decentralized Trading

A $40 donation opens the door to a lucrative Decentralized Trading opportunity that gives beginners, and experienced traders alike, an opportunity to experience Arbitrage Trading.

LEVEL 5 Workspace – $80 Donation

Decentralized Banking

An $80 donation allows people to diversity their investment portfolio into Decentralized Banking Opportunities. Learn how to participate in the greatest transfer of wealth in human history and stay ahead of the curve, whatever your budget.

IMPORTANT NOTE: Workspace education and information should not be interpreted as a guarantee of financial performance or perceived as financial advice in any way.

10. THE FOUR-CHECK-MARK STANDARD

The objective of the humanitarian course is straightforward:

GET YOUR FOUR CHECK MARKS.

☐ Associate’s Completed
☐ Bachelor’s Completed
☐ Master’s Completed
☐ Doctorate Completed

Participants should first become students before becoming teachers.

Participants therefore agree they will not attempt to teach until they fully understand the strategies presented, accurately communicate applicable requirements and risks, and avoid making promises that have not been authorized or substantiated.

Once the humanitarian course is completed; the next objective is duplication.

11. THE TOP-FIVE HUMANITARIAN DUPLICATION MODEL

Each qualified Participant is encouraged to identify and work with their five strongest, vetted humanitarian members.

The objective is not simply to find five people. The objective is to develop five educated humanitarian leaders capable of repeating the process responsibly.

The model is:

1 Participant → 5 Humanitarians

Those five learn the system and develops their own team of five:

5 → 25

Those 25 repeat the process:

25 → 125

The educational duplication model continues throughout successive generations.

Each generation is encouraged to follow the same principle:

12. PAY-IT-FORWARD SPONSORSHIP

A central concept of the SHARING Humanitarian Build is giving and receiving through voluntary pay-it-forward sponsorship.

Where a participating company’s rules permit sponsorship, qualified members may voluntarily help sponsor eligible people into designated health or wealth programs.

What this means for Participants: In some companies, giving away sponsorships results in greater commissions as a result of having built a larger team. By building together as a community, we exponentialize our numbers without incurring any loss.

The intended humanitarian principle is:

Someone helps you.
You become stronger.
You help someone else.
They become stronger.
Together, the humanitarian community grows.

The envisioned duplication structure is organized around a 5 × 11 matrix, subject to the actual rules and compensation plans of each participating program.

The first five help the next five. Those participants can then help another five, and the education and humanitarian process continues.

No Participant is guaranteed placement, sponsorship, commissions, profits, or any particular financial outcome merely because a matrix or duplication model is used!

13. PARTICIPANT COMMITMENT

By signing this MOU, the Participant agrees to act with integrity at all times and fulfill all expectations of the SHARING Humanitarian Build as follows:

Register with IBO Pro and maintain accurate account information.
Work toward completing all four humanitarian educational strategies and obtaining the applicable four check marks.
Identify and mentor five vetted humanitarian participants as part of the duplication strategy.
Guide their five participants in this education until they are capable of duplicating the process exactly as stated in this agreement.
Complete the mandatory SHARING University Humanitarian Course before representing themselves as trained participants in the Humanitarian Build.
Be responsible in their communications and never guarantee income, trading returns, product results, sponsorship, or financial success.
Act in a consistent humanitarian manner. Accurately disclose costs and material conditions. and never pressure another person to donate, purchase, invest, borrow money, or participate in any program not of their choosing.

14. SHARING GUARANTEE OF FINANCIAL SUCCESS

The SHARING vision is to create economic opportunities capable of producing substantial humanitarian and financial impact. However, statements concerning creating wealth, becoming a millionaire, compounding funds, trading performance, commissions, or other financial possibilities are goals, not promises.

Financial results depend upon many factors including starting capital, market conditions, product demand, individual effort, experience, team performance, compensation-plan requirements, third-party performance, fees, taxes, risk, etc.

Our goal is to build systems that create opportunities for people to learn, give, receive, build businesses, and create the potential for actionable wealth.

15. INDEPENDENT PROGRAMS AND DUE DILIGENCE

Certain products, banks, trading services, AI systems, health products, payment services, and business opportunities presented through SHARING University or SHARING Workspaces may be operated by independent third parties.

Unless expressly stated in a separate written agreement, SHARING does not become the bank, broker, investment adviser, medical provider, manufacturer, insurer, or guarantor merely by providing education concerning a third-party program.

Participants are responsible for conducting their own due diligence.

When in need of expert advice, Participants should consult qualified financial, tax, legal, or healthcare professionals before making significant decisions.

16. HUMANITARIAN CULTURE

The SHARING Economy is intended to create a culture in which success is measured by more than money. We seek to develop people who can:

Learn
Give
Serve
Build
Teach
Sponsor
Duplicate
Lead

The long-term objective is to create a worldwide humanitarian community where education and opportunity can move from person to person, family to family, community to community, and ultimately nation to nation.

17. VOLUNTARY PARTICIPATION

Participants agree and understand it is a voluntary choice to complete the education requirements as a condition of participating or representing the SHARING Humanitarian Build. Participation in individual purchases, donations, third-party programs, representative positions, trading programs, health programs, and sponsorship activities is also voluntary and subject to the applicable program’s terms.

18. NATURE OF THIS MOU

This document expresses the parties’ present understanding regarding the SHARING Humanitarian Build and its education and duplication principles.

Unless incorporated into a separate definitive agreement, this MOU may not under any circumstances be interpreted as creating an employment relationship, partnership, fiduciary relationship, investment contract, guaranteed compensation arrangement, or guarantee of financial outcome or performance.

Any binding obligations concerning a particular product, donation, account, trading service, representative position, or third-party opportunity are governed by the applicable definitive agreements, disclosures, and terms of each individual company.

19. ACKNOWLEDGMENT

By signing below, the Participant acknowledges that they have read this MOU, understand they are agreeing to participate in the SHARING Humanitarian Build education and duplication model, understand that financial and health outcomes are not guaranteed, and agree to represent the programs truthfully and responsibly.

The Participant understands the central SHARING principle:

LEARN IT. COMPLETE IT. SHARE IT. DUPLICATE IT.

The Participant’s first mission is to become educated.

The second mission is to complete the humanitarian pathway.

The third mission is to help develop five vetted humanitarian leaders who can responsibly repeat the process.

Together, we seek to create a humanitarian culture built around education, service, giving, receiving, responsible entrepreneurship, and duplication.

20. ACCEPTED & ACKNOWLEDGED

Participant / Humanitarian Member

Name: I Am In

Agreement: Just Say Yes

Date: Today Is Your Day

HUMANITARIAN BUILD STATUS

FOUR CHECK MARKS COMPLETED: ☐ YES ☐ NOT YET

TOP FIVE HUMANITARIAN TEAM IDENTIFIED: ☐ YES ☐ NOT YET

READY TO DUPLICATE: ☐ YES ☐ NOT YET