Frequent sales arrangeMent that May indicate ProbleMs Claiming you can make a lot of money with little risk by purchasing through a “financing agreement.” Structured so you only pay a small percentage (between 15% and 25%) of the total purchase price. Full price paid by a loan, that the company arranges, to finance the rest of your purchase. Precious Metals sales Warning signs! Statements that precious metals transactions are not regulated by the CFTC or the National Futures Association. Agreement that does not identify the financial institution or bank that will be loaning you the money. Agreement that does not identify where the physical metal is located. Claims to deliver the physical metal to an overseas storage facility. Difficulty in verifying the company’s license. A salesperson that cannot provide a way to prove their licensure from a government agency. A salesperson offering highly complex purchasing techniques for unusual success. Missing documentation that seems necessary. Claims that the company will store the precious metals for you in a storage facility or “bank.” Frequent ProbleMs Often do not use your money to purchase metals at any time. Do not actually arrange for loan financing with an independent financial institution, but charge you phony interest. Do not store metal with an independent bank or storage facility, but charge you storage fees. Fraudulently fail to point out that because you are not paying the full price for the metals, you will have to send the company additional funds if prices change unfavorably. Often use your funds to pay themselves commissions, leaving little for you. beFore investing in Precious Metals, ask, ask, and ask soMe More! Contact the CFTC at 866.366.2382 or the National Futures Association at www.nfa.futures.org/basicnet to check the company’s registration status, business background, and disciplinary history. Ask how the financial professional is qualified to provide you with this service. S Ask how the product meets your financial needs. Ask how the financial professional is paid for his/ her service. 43909_PreciousMetals.indd 2 2/12/13 1:10 PM .