You earn 1%~4% per day of your investment (150%). more information at http://www.lae-cosm.com/?ref=113407

2. Do not talk
during the presentation
You may ask questions
at the end of the presentation
Thank you for turning
off you cell phones

3. Company
Morocco
Head office
Office 14, 1st floor, residence Alkhansaa, boulevard Mers Sultan

4. L&E cosmetic is an entity that belongs to Learn & earn (parent
company) created in April 2013 through the ownership of Mr
Zakaria Fathani. It has millions of members inscribed, and it has
already been proven all over Morocco! Several people has changed
their lives thanks to Learn & Earn. Its headquarter is located in ,
boulevard Mers Sultan Office 14, 1st floor, residence Alkhansaa. It
has numerous offices in different cities in Morocco, and it is
represented in other countries like: France, Belgium, Switzerland,
Algeria, Tunisia, Ivory Coast, Burkina Faso and Benin and it soon
intends to develop in different countries …

5. reducing the rate
of poverty in Africa
participating in a long
lasting development
creating job opportunities
helping people to reach a
better life
Our objective
We are here for you!
Every African deserves happiness, health and prosperity!

6. Our vision
Participating in the global development of the internet
advertising market, cosmetic, and e-learning.
Playing an important role in the national and continental
economy development.
Helping millions of people around the world.
Reducing the rate of poverty, ignorance and unemployment.

7. Our values
Learn & Earn appreciates the teamwork as well as Excellence and leadership.
Good collaboration is the secret to the success of our solutions.
An effective teamwork puts on good relationships, mutual respect and an even share of
knowledge and experience.

8. Administrative team ready to raise the challenge
An administrative staff composed of 18 competent employees (Engineers, professors, coaches…),
who are ready to sacrifice themselves for the sake of the company. A family based on good
relationships that aims to serve you along your path with Learn & Earn,
and for your maximum satisfaction.

9. internet
advertisement
cosmetic
Our advantages
Market promoters
Innovative tools
internet
advertisement

10. E-learning market
Either 4,200 milliard dollar or 3,200 milliard Euro; this is what really
matters in the world, education and trainings. A super economic
weight in the petroleum global market! and “mammouth” is about
acknowledging a fantastic revolution in the contemporary age.

11. Online publicity market
More than 119 milliards of expenses in 2013 according to eMarketer.com 104,22 milliard dollar were
expended in the world internet publicity during 2013, including 35.6% in the US market. Thus, the growth
is of 14,6% in the world and 15,7% environ in United States. And this growth should maintain and attain a
little bit more than 163 milliards of dollars in 2016.

12. The cosmetic market
The success of bio-cosmetic has become inevitably undeniable these past years. Product offer has increased, the ranges
have expanded, the distribution has enlarged and the consumers approved their interest to the product. A universe
connects agricultural biology where initiators are sometimes judged to be regressive. The sector has evolved and the
growth is now an image of progress. Nobody would deny the evolutions of the market, in which we assist the rapidity of
that metamorphosis state. The time for sole forerunners has revolted. The vision is clear, and we consider these last years
as an actual boilling. With all these diversities in front, new questions will rise:
What product to choose? Towards what concept shall we seek? Where to purchase the products?

13. You have what it takes to succeed!

14. OUR JEWELRY
Used by Berber women for several centuries ago to regenerate their skin, fortify their hair and be protected
from the sun the wind effect. Argan oil is categorized among western beauty products. Argan trees grow
only in Morocco.
Exceptionally rich in omega 6 fat acid substances, vitamin E and in polyphenols, Argan oil is replete with
high moisturizing properties, antioxidants and regenerative. Studies conducted in Morocco and in Europe
had been confirmed the reason behind dryness and physiological aging of the skin (anti-rides) by repairing
the hydrolipidic film and augmenting the nutritious inputs of the cells.

15. OUR JEWELRY
The Shea butter, or the vegetal butter, is an edible substance extracted from Shea
fruits, a tree that grows in the west of African savanna, which name signifies <life> in
Mandinka. Shea butter is consumed in traditional kitchens or used in chocolate
industries as an alternative of cocoa butter. It is particularly known for its cosmetic
properties like skin motorization and softness. These properties are included
nowadays in the composition of numerous cosmetics.
The gathering and the extraction of Shea tree are mostly carried out by countryside
women.

16. The Prickly pear oil
Collected in morocco, the prickly pear is a precious fruit that takes nearly one ton
of pears to obtain only one liter of oil of that cactus. It is obtained by pressuring
cold grains, and it is 100% biological. The richness of its components reflects its
success. It is replete with vitamin E antioxidants and essential acid gases which
nourish profoundly and effectively our skin.
The cactus oil is also wonderful restorative.
It alleviates scars, acne pimples and reduces stretch marks.
Speaking of its perfume, the odor of the prickly pears resembles this of the Argan
oil, which possesses the power of repelling certain odors. It is best applied at
nights before bedtime rather than at mornings, so that you can avoid annoying
your friends.
In touching, the cactus oil is less greasy than other oils such as almond, and it
quickly penetrates the epidermis. Above all, it fits all skin types, oily, dry or mixed,
and it is even useful at any age and for every member in the family.

17. Argan is also an income source for barbarian women who collect and transform it. Agadir triangle, Taroudant and Essaouira have
become a treasure for laboratories that distributes this product in all continents. L&E intends to play a very important role in the
process of all cosmetic production based on Argan oil across the Moroccan kingdom by signing partnership with all the women
included in this process. And this is exclusively thanks to the generous investments of our members. Monopolizing the Argan
production is our objective, in order to be an intermediate between the cooperatives and the laboratories.

18. UNDA ?
UNDA is a clean electronic currency in the company!
1 UNDA = 1 $
The VIP members can sell and purchase the UNDA, and
they also have the possibility to transfer their UNDA ba-
lance to other members internally.

19. Investing YES … But in what exactly?
Step 01 Step 02
Step 03
Step 04Step 05
This is where you can
actually invest, 25$ :
300ml pure Argan oil
The oil is, then, transported
to laboratories in order to be
used in our cosmetic
products
A wide range of cosmetic
production based on
Argan oil
A portion is exported to
the Arab Gulf (UAE, Qatar,
Kuwait …)
Another portion is
distributed via network
thanks to our earning plan
When the product is therefore sold, the member who generates a benefit of 15$ on each 300ml,
will earn 10$ and the company will earn 5$.

20. Formula
The Positions?
One position:
25$ 300ML of Argan
One position:
35$ sold products
10% of earnings
purchase in 300ml
expired position, sold product, revenues
Each part will report a percentage of daily earnings to you by
reference to turnover of the company.The maximum earnings in each
part is 140%
The company pays 75% of daily sales to all its members who generate a varied earning percentage.
today’s earning
Each part reaches a fixed mature stage of 140%.
The duration for attaining a mature stage is undetermined. It all depends on the daily turnovers

21. Take part in the biggest cosmetic market
Participate in the development of the national economy.

22. The formula 2 en 1 :
You are simultaneously an investor and a player!
You contribute in the company’s everyday earnings!

23. Sponsorship
By inviting your friends to join this wonderful business opportunity, you earn money!
10% of the amounts invested in your first generation, and 5% in you second generation.
L & E has the power to change a multitude of lives,
you will be able to have it, share it with the people
you love! Millions of people around the world will
really need you!

24. Contrat d’i
Contrat d’i
Intervenu entre
L’entreprise L&E COSMETIQUE SARL AU avec les identifiants suivants : RC : 308283, Patente : 354991343, IF : 15182878
ET,
Mr/Mme ………………………………………………………………………………
demeurant
à ………………………………………………
…………………………………………………………………titulaire
d’une
CIN
sous
le
numéro
…………………………………
Objet du contrat : Engagement d’investissement entre deux parties
Mr/Mme ………………………………………………………………………. à verser une somme de ………………………………………. A la société l&e cosmétique le …………………… par le biais d’un………………………………………………………
et a bien effectuer l’achat de ……………..….. Parts depuis son espace membre.
Chaque part coûte 225dh, ce qui représente des ingrédients et actifs naturels servant dans la production cosmétique de la société, et qui génèrent un gain journalier selon les ventes et le chiffre d’affaire.
La société l&e cosmétique s’engage à garantir la sécurité de cet investissement et de rembourser ce montant en cas de violation de l’un de ces articles suivants :
Article 1 : Cet investissement est l’objet d’un accord entre Mr/Mme ………………………………………………. Et la société l&e cosmétique, L’investisseur est conscient que le montant versé sera utilisé dans la fabrication de
produits cosmétiques.
Article 2 : La société l&e cosmétique opère dans une plateforme électronique (site web : lae-cosm.com), toutes les opérations financières ainsi que les gains journaliers sont visibles sur l’espace membre de l’investisseur
en question.
Article 3 : La société l&e cosmétique garde la trace de chaque opération.
Article 4 : La société l&e cosmétique assure un gain journalier à l’investisseur selon son chiffre d’affaire journalier et ses ventes.
Article 5 : La société l&e cosmétique s’engage à partager 75% de ses revenus quotidiens à tous ses membres, ainsi le gain journalier peut varier d’un jour à l’autre selon le chiffre d’affaire réalisé.
La formule utilisée : 75% du Chiffre d’affaire du jour * 100 / le total des investissements
La société l&e cosmétique enregistre l’historique de chaque versement journalier.
Article 6 : La société l&e cosmétique s’engage à assurer un plan d’investissement « Hallal ».
Article 7 : La société assure un gain de 140 % sur chaque part achetée.
Article 8 : La durée pour atteindre les 140 % peut varier selon les ventes de la société.
Article 9 : L’investisseur peut retirer ses gains journaliers chaque vendredi à condition de demander le retrait sur son espace membre pendant la semaine.
L’investisseur à le droit de demander un seul retrait chaque vendredi.
L’investisseur doit mentionner un RIB bancaire complet de 24 chiffres en cas de retrait bancaire ou un numéro de carte Floussy qui est composé de 16 chiffres en cas de retrait par Wafacash.
L&E cosmétique n’est pas responsable en cas de manque d’informations bancaires.
Article 10 : L’investisseur peut à tout moment réinvestir ses gains.
Article 11 : L’investisseur sera amené à créer une entité (entreprise) afin de faciliter les retraits d’argent dépassant les 20000 DH, la société l&e cosmétique s’engage à lui faciliter toutes les procédures administratives
relatives à ce sujet, ainsi que le suivi fiscale.
En raison d’absence totale d’un contrat légale de ce genre reliant un particulier (investisseur) à une société opérant principalement sur une plateforme électronique, on déclare que ce contrat est une preuve légale en cas
de violation, et peut être objet d’une déclaration réelle des deux parties.
Signature de l’investisseur
Signature L&E COSMETIQUE
Learn & Earn Cosmétique
Learn & Earn Cosmétique
Contrat d’investissement
Contrat d’investissement
Intervenu entre
L’entreprise L&E COSMETIQUE SARL AU avec les identifiants suivants : RC : 308283, Patente : 354991343, IF : 15182878
ET,
Mr/Mme ………………………………………………………………………………
demeurant
à ………………………………………………
…………………………………………………………………titulaire
d’une
CIN
sous
le
numéro
…………………………………
Objet du contrat : Engagement d’investissement entre deux parties
Mr/Mme ………………………………………………………………………. à verser une somme de ………………………………………. A la société l&e cosmétique le …………………… par le biais d’un………………………………………………………
et a bien effectuer l’achat de ……………..….. Parts depuis son espace membre.
Chaque part coûte 225dh, ce qui représente des ingrédients et actifs naturels servant dans la production cosmétique de la société, et qui génèrent un gain journalier selon les ventes et le chiffre d’affaire.
La société l&e cosmétique s’engage à garantir la sécurité de cet investissement et de rembourser ce montant en cas de violation de l’un de ces articles suivants :
Article 1 : Cet investissement est l’objet d’un accord entre Mr/Mme ………………………………………………. Et la société l&e cosmétique, L’investisseur est conscient que le montant versé sera utilisé dans la fabrication de
produits cosmétiques.
Article 2 : La société l&e cosmétique opère dans une plateforme électronique (site web : lae-cosm.com), toutes les opérations financières ainsi que les gains journaliers sont visibles sur l’espace membre de l’investisseur
en question.
Article 3 : La société l&e cosmétique garde la trace de chaque opération.
Article 4 : La société l&e cosmétique assure un gain journalier à l’investisseur selon son chiffre d’affaire journalier et ses ventes.
Article 5 : La société l&e cosmétique s’engage à partager 75% de ses revenus quotidiens à tous ses membres, ainsi le gain journalier peut varier d’un jour à l’autre selon le chiffre d’affaire réalisé.
La formule utilisée : 75% du Chiffre d’affaire du jour * 100 / le total des investissements
La société l&e cosmétique enregistre l’historique de chaque versement journalier.
Article 6 : La société l&e cosmétique s’engage à assurer un plan d’investissement « Hallal ».
Article 7 : La société assure un gain de 140 % sur chaque part achetée.
Article 8 : La durée pour atteindre les 140 % peut varier selon les ventes de la société.
Article 9 : L’investisseur peut retirer ses gains journaliers chaque vendredi à condition de demander le retrait sur son espace membre pendant la semaine.
L’investisseur à le droit de demander un seul retrait chaque vendredi.
L’investisseur doit mentionner un RIB bancaire complet de 24 chiffres en cas de retrait bancaire ou un numéro de carte Floussy qui est composé de 16 chiffres en cas de retrait par Wafacash.
L&E cosmétique n’est pas responsable en cas de manque d’informations bancaires.
Article 10 : L’investisseur peut à tout moment réinvestir ses gains.
Article 11 : L’investisseur sera amené à créer une entité (entreprise) afin de faciliter les retraits d’argent dépassant les 20000 DH, la société l&e cosmétique s’engage à lui faciliter toutes les procédures administratives
relatives à ce sujet, ainsi que le suivi fiscale.
En raison d’absence totale d’un contrat légale de ce genre reliant un particulier (investisseur) à une société opérant principalement sur une plateforme électronique, on déclare que ce contrat est une preuve légale en cas
de violation, et peut être objet d’une déclaration réelle des deux parties.
Signature de l’investisseur
Signature L&E COSMETIQUE
Learn & Earn Cosmétique
Learn & Earn Cosmétique
L&E cosmetic offers contracts
for VIPs who wish to invest 10000$ and more.

25. Daily earning
How much can we gain?
Think about it … it’s too simply huge,
and it’s not yet finished!
We launch a challenge of one million dollars to those who
could bring us a complete gaining system in the internet that matches ours!

26. Super active package
Valid only in deliverable countries
Customs duty: 306$
Activation 3 months
100% cosmetic products
Product catalogue
Points of pub
Active package
Customs duty: 95$
Activation 3 months
6 cosmetic products
Product catalogue
Points of pub
Earning plan activation fee
MLM party

27. 1 direct sale bonus
2 board of earnings bonus
3 Residual bonus
5 bonus travel
4 customized sell bonus
6 bonus dream car
7 bonus home
Earning plan

28. direct sell
board of earnings
residual
selling
travel
dream car
home
Bonus dues

29. ACTIVE PACKAGE 1
Argan oil hand-cream
Facial scrub
Sun cream
Natural Argan oil soap and lavender
Nourishing shampoo
Ghassoul made of Argan oil and lavender
Night cream
Body lotion
Lightening cream
Natural argan oil soap and Mandarin
Shower Gel
Ghassoul made of argan and eucalyptus
Cosmetic argan oil
Natural soap
Nutritious argan oil
Massage oil
Slimming oil
Day cream
ACTIVE PACKAGE 2
ACTIVE PACKAGE 7
ACTIVE PACKAGE 8 ACTIVE PACKAGE 9
ACTIVE PACKAGE 4
ACTIVE PACKAGE 5 ACTIVE PACKAGE 6
ACTIVE PACKAGE 10
ACTIVE PACKAGE 11 ACTIVE PACKAGE 12
ACTIVE PACKAGE 3
Range of Argan
Range of natural plants
Range of prickly pear
Range of Shea butter
VIP subscription

30. Super active package
You could order different products of
a total sum of 2600dh (100% products)
Range of Argan Range of natural plants
Range of prickly pearRange of Shea butter
VIP subscription

31. 1. Direct sell bonus
You earn 30% of your direct sells

32. 10935
19683
19683 39366
6561
59049 59049
LEVEL COMMISSION TOTAL ORDER
NUMBER
OF PEERS
FORCEDMATRIX3*10
WITHOVERFLOW
2. Earning board bonus (new subscriptions)
If we speak of 95$ of activation fees for each 3 months, the commission
will be a full potential of 134.202$ for each payment activation in your network

33. FREEMATRIX10LEVELS
WITHOUTOVERFLOW
You will earn commissions, with the help of your unlimitedVIPs network renewal in your
2. Earning board bonus (VIP renewal)
LEVEL COMMISSION TOTAL ORDER
NUMBER
OF PEERS

34. 40 payments in your network / month = 94$/month
Condition: available only for minimal grade amateur
80 payments in your network / month =235$/month
Condition: available only for minimal grade responsible
120 payments in your network / month = 494$ / month
Condition: available only for minimal grade supervisor
300 payments in your network / month = 850$ / month
Condition: available only for minimal grade master
1000 payments in your network / month = 2940$ / month
Condition: available only for minimal grade millionaire
RESIDUAL BONUS
SOON
If we speak of 95$ of activation fees for each 3 months, the commission will be
a full potential of 17.000$ for each payment activation in your network

35. You earn 20% in each valid order by one of your direct referrals.
SIMULATION :
300dh is the minimal cost for a customized order
A customized order could be:
Cosmetic products
L&E accessories
your earning =
10000 X 20
100
= 2000 $ / month
You have 10 direct referrals who achieve
a total sum of 10000$ of sells each month
4. Customized sells bonus

36. 1 travel every 3 months for the TOP 16 of the trimester
1 travel each year for the TOP 10 of the year!
Duration : 3 days
Duration : 7 days
Touristic transportation
Touristic transportation
Hotel **** half pension
Destination: all touristic regions of Morocco
Hotel
Destination: turkey, Tunisia, Brazil …

37. 1000 members who have been active during 2 years
=
the new bright Clio reaches for your hands!
2000 members who have been active during 2 years
=
the new bright Astra awaits you!
5000 members who have been active during 2 years
=
the new bright Mazerati is definitely your dream car!

38. Apartment with a value of 450.000dh – 500.000dh
Location: it’s up to you! Possible in every place in morocco
Condition: 4000 members who have paid 2 years of subscription!!!!

39. 5189
VALID
THRU
MONTH/YEAR
Payment methods
On the national level
On the international level
vendeurs unda