ake everything you thought you knew about the property industry and throw it out of the proverbial bay window. We'd like to introduce you to a real estate company that's rewriting industry rules, building client relationships on integrity, trust and professionalism and creating exceptional career opportunities for top real estate professionals. Innovative, dynamic and agile, Property.CoZa is one of the fastest growing real estate companies in South Africa. Since our inception in 2009, we have rapidly expanded into a national network of 22 dedicated offices, employing 500+ Property Professionals, full time management and administrative personnel, made possible by our experienced management team who is driven by a future-focused vision. Our Competitive Advantages include: - An innovative business model (80/20 commission split to agents with no desk fees) that attracts and retains top agents means that our sellers and buyers benefit from the professional service of the very best in the industry, saving them time and ensuring that their experience with us is pleasant and rewarding, - The use of e-property trading, website marketing and state of the art IT systems to our agent's and client’s benefit, - An experienced management team who knows the real estate industry inside out (business model developed by agents for agents), - An in-house financial services division (Property.CoZa Financial Services), linked to the four major banks plus SAHL provides bond origination and bridging financing services, - List of approved service providers, - Bond origination income to our Agents, - Passive income to our Agents (Angel-to-Diamond recruitment program) View this presentation for more information. To search for properties or to list your property with us please visit our website www.propertycoza.co.za

1. PROPERTY.COZA’s
UNIQUE OFFERING
TO
AGENTS
(Presentation 2)
(V1.3)

2. You have heard so many rumours, but what is Property.CoZa’s real offering to its
agents?
Why are so many people talking about this company and why are so many agents
joining Property.CoZa?
A REALITY CHECK…
Why is this group one of the fastest growing real estate companies in South Africa?
HERE IS THE REALITY…

3. An introduction…
Take everything you thought you knew about the property industry, and throw it out of the
proverbial bay window. We'd like to introduce you to a real estate company that's rewriting
industry rules, building client relationships on integrity, trust and professionalism and creating
exceptional career opportunities for top real estate agents.
Innovative, dynamic and agile, Property.CoZa is one of the fastest growing real estate
companies in South Africa. Since our inception in 2009, we have rapidly expanded into a
national network of dedicated agencies, made possible by our experienced management
team who is driven by innovation and a future-focused vision.

4. Everybody is talking about our excellent commission offering.
So let’s talk about the finances first…
• We pay 80% of the commission to our regular performing full status agents,
• The lowest commission split we pay is 70% (non-regular performing full status agents),
but obviously we only appoint the best, so the bulk of our agents earn 80% commission.
How much commission do we pay our agents?
• Our rookies earn 50% of the commission. That’s more than what most full status agents
earn with other agencies… (rookies work under the supervision of a full status
agent/mentor. The split is 50/30/20. 50% to the rookie, 30% to the mentor, 20% to the
agency).

5. But you have heard this before, right?
• We do not charge our agents any desk fees, royalties or other hidden costs.
What about the desk fees, royalties and other hidden costs?
• Our agents only pay for their own business cards, stickers & car magnets.
Sounds good, right? So we pay the best commissions without taking
back a large portion through “hidden” deductions…
• Our agents also receive bond origination income. If you average a minimum of 50%
support to our in-house bond origination company, Property.CoZa Financial Services
(PFS), you earn 0,05% commission on your bond registrations. That is R500 on a R1m
bond! If your sales price was R1m with an 80% bond (R800 000), you will earn R400.
But what else?
• Monthly by means of vouchers.
How is this paid out?

6. But, does the different commission splits really make a big difference to your
earnings? Let’s have a look at the reality…
Your earnings with a 50/50 agency:
Let’s do a practical comparison. An agent’s take home income on a single deal with a 50/50 company, compared to what our agents take home on their deals @ 80/20. (for comparative purposes, 7,5% + Vat
commission was used & it was presumed there were no other splits between other agents or agencies)
Your earnings with us at a 80/20 split:
Gross commission (incl. Vat) = R85 500
Minus 14% Vat = R75 000
Minus Head Office royalties = R69 375
Minus 50% split = R34 687
In your pocket = R34 687
Gross commission (incl. Vat): R85 500
Minus 14% Vat = R75 000
Minus Head Office royalties = R75 000
Minus 80/20 split = R60 000
In our agent’s pocket = R60 000
MORE in our agent’s pocket = R25 313
Per year @ 1 registration per
month (before tax) =
Per year @ 1 registration per
month (before tax) = R720 000R416 244
R303 756More earnings per year to our agent =
Example: A R1m transaction with commission calculated at 7,5% (+ Vat):
Actual % commission earned
versus the 100% commission:
(R34 687 divided by R75 000 % = 46.25%
Actual % commission earned
versus the 100% commission:
(R60 000 divided by R75 000 % = 80%

7. But we also pay bond origination income…
Your earnings with a 50/50 agency:
Let’s take the previous example but continue & add the bond origination income...
Your earnings with us at a 80/20 split:
In your pocket per registration = R34 687 In our agent’s pocket per deal = R60 000
MORE in our agent’s pocket = R25 313
Per year: @ 1 registration per
month = 12 registrations =
Per year: @ 1 registration per
month = 12 registrations = R720 000R416 244
R308 556More earnings per year to our agent =
What could you buy with R308 556 extra? For doing the
same work you are doing now…
If the average bond was R800 000
per registration and all the bonds
were placed through our in-house
bond originator (PFS), our agent
receives an extra R4 800 worth in
vouchers to spend at a local
convenience store! (R800 000 x
0,05% = R400 x 12 = R4 800)
R720 000
+
R4 800
=
R724 800
Actual % versus 100% commission = 46.25% Actual % versus 100% commission = 80,53%

8. But what if you don’t work for a 50/50 company? Let’s have a look at the
reality of a “so called” 100% offering compared to our offering…
Your earnings with a 100% agency:
Once again, let’s compare earnings on a R1m transaction at 7,5% (+ Vat) commission:
Your earnings with us at a 80/20 split:
Gross commission (incl. Vat) = R85 500
Minus 14% Vat = R75 000
Minus Head Office royalties = R70 125
Minus desk fee & office costs = R55 125
In your pocket = R55 125
Gross commission (incl. Vat): R85 500
Minus 14% Vat = R75 000
Minus Head Office royalties = R75 000
Minus 80/20 split = R60 000
In our agent’s pocket = R60 000
Very much the same, right? Or not??
More earnings per year to our agent = R99 000
What if you only had 8 registrations for the year?
4 x your monthly desk fee & office costs (R15 000) =
R60 000 must still be deducted from your yearly
income…
Per year: @ 1 regi per month = R661 500 Per year: @ 1 regi per month = R720 000
8 x R55 125 = R441 000 minus R60 000 = R381 000
With 8 registrations for the year, our agents still earn
80% of the commission, but no desk fee deductions
during the months when no transactions were done…
8 x R60 000 = R480 000 minus R0 = R480 000
63,50% Actual % versus 100% commission = 80,00%
Actual % commission earned versus the
100% commission: (R381 000 divided by
8 = R47 625 divided by R75 000 % =
AND NO MORE PRESSURE TO PAY DESK FEES!!! NOT 100!!!!

9. But once again, what about the bond origination income…
Your earnings with a 100% agency:
Let’s take the previous example but add the bond origination income…
Your earnings with us at a 80/20 split:
In your pocket per registration = R55 125 In our agent’s pocket per deal = R60 000
MORE in our agent’s pocket = R4 875
Per year: @ 8 registrations for the
year =
Per year: @ 8 registrations (after
the 4 month’s without registrations’
desk fees had been deducted = R480 000R381 000
R102 200More earnings per year to our agent =
If the average bond was R800 000
per registration and all the bonds
were placed through our in-house
bond originator (PFS), our agent
receives an extra R3 200 worth in
vouchers to spend at a local
convenience store! (R800 000 x
0,05% = R400 x 8 = R3 200)
R480 000
+
R3 200
=
R483 200
Actual % versus 100% commission = 63,50% Actual % versus 100% commission = 80,53%
What could you buy with R102 200 extra? For doing the
same work you are doing now…

10. Let’s summarise the financial comparisons again…
If we analyse a 50/50 split we see they actually pay 46,25% commission. We pay 80% and if you
support PFS, we pay 80,53% commission.
Comparing apples with apples, we pay more commission without hidden agendas.
The 100% company’s only pay’s 73,50% if you do 1 registration every month and 63,50% of you
only do 8 registrations for the year. We pay 80% and if you support PFS, we pay 80,53%
commission.
BY COMPARISON, OUR FINANCIAL REWARDS ARE SIMPLY BETTER…

11. Let’s summarise the financial comparisons based on the example used above…

12. Let’s summarise the financial comparisons…

13. Let’s summarise the financial comparisons…
The above commission split examples might not be exactly the same as your calculations, but
it might be a good idea for you to do a similar calculation to determine how your commission
calculation splits compare to our offering…

14. So we pay our agents more for doing the same work… What else?
Passive income: if AGENT EVE (working for Property.CoZa) recruits another agent to join our
group anywhere in South Africa, he or she receives the following:
We also incentivise our own agents for assisting us to grow the company! How?
R2000 per registration for the 1st 5 registrations
done by the new agent = R10 000
If AGENT EVE recruits 10 agents, he/she earns
R10 000 x 10 = R 100 000
The R2000 per 1st 5 registrations is not deducted from
the new agent’s commissions. The agency pays the
R2000 x 5 = R10 000 via a structured national
recruitment incentive program to the recruiter (after
each registration)
For every (0,05%) PFS bond origination voucher (refer to
previous slides) earned by the newly recruited agent,
AGENT EVE who recruited him or her also receives a
voucher. This voucher is however calculated at 0,08% of the
bond value. This means for every R1m bond placed through
PFS agent A will receive a voucher of R800 (R1m x 0,08%
= R800)
If AGENT EVE recruited 10 agents and all 10 of these
agents registers a R1m bond through PFS every month,
AGENT EVE will receive a voucher for R8000 (R800 x 10)
every month.
Reward 1 remains effective for the 1st 5
registrations done by each new agent recruited,
subject to both parties remaining in the service of
Property.CoZa as service providers.
Reward 2 remains effective forever, subject to both parties
remaining in the service of Property.CoZa as service
providers. This leg is also subject to the minimum support
criteria as stipulated by the PFS support voucher program
(minimum of 50% support based on a 3 month cycle)
Reward 2: PFS Angel reward voucher1st 5 registration feesReward 1:

15. Let’s summarise the financial comparisons again…
Comparing apples with apples, we pay more commission…
Then there is the question of the passive income – the recruitment incentive program…
A Property.CoZa agent gets rewarded for assisting us to grow the group…
For each agent recruited, our recruiter receives R2000 for the 1st 5 registrations = R10 000
For every PFS bond origination voucher received by the recruited agent, the recruiter also
receives a voucher. It just keeps on adding up…
THIS IS NO LONGER A FAIR COMPARISON. THE PROPERTY.COZA REWARD TO AGENTS IS SIMPLY SUPERIOR!!!

16. Let’s summarise the financial comparisons FURTHER…
AGENT EVE’S NORMAL COMMISSION INCOME WITH PROPERTY.COZA FOR HER OWN DEAL:
AGENT EVE - monthly income statement with Property.CoZa
Month Item Earning: Balance:
September Commission - own transaction PRO0035 R 60 000 R 60 000
Total due to Agent: R 60 000

17. Let’s summarise the financial comparisons FURTHER…
PLUS THE P.F.S. BOND ORIGINATION SUPPORT VOUCHER EARNED ON HER OWN DEAL:
AGENT EVE - monthly income statement with Property.CoZa
Month Item Earning: Balance:
September Commission - own transaction PRO0035 R 60 000 R 60 000
Own PFS bond origination voucher on PRO0035 R 400 R 60 400
Total due to Agent: R 60 400

18. Let’s summarise the financial comparisons FURTHER…
PLUS THE PASSIVE INCOME – AGENT RECRUITMENT – 1ST 5 TRANSACTIONS INCENTIVE FEES:
*BASED ON 10 AGENTS RECRUITED WHO HAD REGISTRATIONS IN THIS MONTH…
AGENT EVE - monthly income statement with Property.CoZa
Month Item Earning: Balance:
September Commission - own transaction PRO0035 R 60 000 R 60 000
Own PFS bond origination voucher on PRO0035 R 400 R 60 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0023 R 2 000 R 62 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0024 R 2 000 R 64 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0025 R 2 000 R 66 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0026 R 2 000 R 68 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0027 R 2 000 R 70 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0028 R 2 000 R 72 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0029 R 2 000 R 74 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0030 R 2 000 R 76 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0031 R 2 000 R 78 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0032 R 2 000 R 80 400
Total due to Agent: R 80 400

19. Let’s summarise the financial comparisons FURTHER…
PLUS THE PASSIVE INCOME – AGENT RECRUITMENT – PFS ANGEL VOUCHERS:
*BASED ON 10 AGENTS RECRUITED WHO SUPPORTS PFS EVERY MONTH…
IF WE ADD THE PASSIVE INCOME, IT IS IN ACTUAL FACT
POSSIBLE FOR A PROPERTY.COZA AGENT TO EARN MORE THAN
100% COMMISSION. (Own income + passive income: R60 000 +
R400 + R20 000 + R6 400 = R86 800 divided by R75 000 % = 115,73%
AGENT EVE - monthly income statement with Property.CoZa
Month Item Earning: Balance:
September Commission - own transaction PRO0035 R 60 000 R 60 000
Own PFS bond origination voucher on PRO0035 R 400 R 60 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0023 R 2 000 R 62 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0024 R 2 000 R 64 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0025 R 2 000 R 66 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0026 R 2 000 R 68 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0027 R 2 000 R 70 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0028 R 2 000 R 72 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0029 R 2 000 R 74 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0030 R 2 000 R 76 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0031 R 2 000 R 78 400
ANGEL-DIAMOND recruitment incentive - deal - PRO0032 R 2 000 R 80 400
PFS ANGEL VOUCHERS (Deals on 10 Diamonds) (R640x10) R 6 400 R 86 800
Total due to Agent: R 86 800

20. Let’s compare those cheques again…

21. Let’s compare those cheques again…

22. Let’s compare those cheques again…

23. But why do we not use a typical pyramid scheme as used by the U.S.
based estate agencies as basis for our recruitment incentive program?
The reason is very simple…
There are not enough estate agents operational in South Africa for a pyramid recruitment incentive
scheme to be successful. A typical 7 layer pyramid scheme will only result in significant income to be
generated by the people who are registered on the 1st & 2nd layer of the scheme if the scheme is to
become very large. In the traditional pyramid recruitment schemes as developed by the U.S. based
estate agency groups, the first and second layer of people are the franchisor, franchisees and the
agency managers.
The U.S. has ± 400 000 operational estate agents. A typical 7 layer pyramid recruitment scheme can
be successful in the United States and therefore it could be financially viable to ALL parties concerned
i.e. the agents in layers 3 – 7 as well. South Africa only has ± 28 000 operational estate agents. A 7
layer pyramid scheme will not generate significant income for agents in South Africa. A 7 layer pyramid
scheme has to grow to extreme numbers in order for it to be successful and viable for the parties
registered on layers 3 – 7. It is not viable in S.A. and for this reason, we have opted for an incentive
program which is viable, easy to understand, easy to follow and truly rewarding to ALL parties
concerned.

24. But money isn’t everything. What about our other offerings? Let’s talk about
support structure for a minute…
• A professional office infrastructure with state of the art I.T. facilities,
What support structure is provided?
• Full time Sales Manager as well as Office Administrator to guide and train,
• Follow-up of pipeline transactions done electronically for agent,
• In-house bond origination facilities (PFS),
• Local conveyancers providing legal support,
• Bridging finance facilities (Rodel & Prevance).

25. What about I.T. infrastructure?
• FREE WEBSITE EXPOSURE to ALL the major property portals:
What about website exposure?

26. What about I.T. infrastructure? (continues…)
www.propertycoza.co.za

27. What about I.T. infrastructure? (continues…)
• OMS: An Office Management System used to load listings only once, thereby publishing it to our
range of web portals including but not limited to Property24, MyProperty, Private Property,
Property.CoZa etc. Our listings currently receive more than 1 million views per month through these
websites…

28. What about I.T. infrastructure? (continues…)
• AUTOMATED BROCHURES: The system also automatically creates electronic
brochures in printable and e-format. No need to design your own brochures…

29. What about I.T. infrastructure? (continues…)
• TREASURE MAP: Our offices and agents are electronically linked with the attorneys on
our approved panel of attorneys by means of our Treasure Map I.T. system. Follow-up
and reporting of pipeline transactions is done electronically for agents. The agent can
view, real-time feedback of the progress of their deals. Cash flow projections and various
reports are available to the agent. Updating is done by the transferring attorney as well
as the Office Administrator.

30. What about I.T. infrastructure? (continues…)
• DOCUMENT LIBRARY: An online Document Library providing the latest documents,
contracts, training manuals and regularly updated marketing campaign material to be
printed or downloaded by our agents as and when they need it,

31. What about I.T. infrastructure? (continues…)
• NAVIGATOR: Navigator I.T. platform providing statistical feedback for each
agent on his or her transactions and standing in relation to the
National Rewards & Recognition program,

32. What about I.T. infrastructure? (continues…)
• PROPERTY.COZA DATA: Access to the PROPERTY.COZA DATA SYSTEM powered by
Agent I.Q. This system provides statistical & ownership data on all registered properties,
properties currently in the process of being registered as well as properties currently
being marketed by other estate agencies. The system also generates a branded property
report to be used when an agent needs to do a CMA.

33. What about I.T. infrastructure? (continues…)
BTMobi: BT Mobi is an online electronic application directly linked to Bondtrak, the system used by PropertyCoZa Financial
Services (PFS) to submit bond applications to the financial institutions. The main features of the application is to pre-qualify clients in
the following ways: a. By performing a quick check lucid credit check, b. Quick scoring at ABSA Bank and FNB Housing Finance, c.
Affordability and income qualification of potential clients, d. Bank pre-submission calculator which includes all the banks’ loan to value
criteria e. Immediate Property Searches etc.

34. What about I.T. infrastructure? (continues…)
• REFERRAL SYSTEM: Office to Office electronic referral system,

35. What about I.T. infrastructure? (continues…)
• NEWS BULLETIN BOARDS: Electronic Group and Office news bulletin board,

36. What about I.T. infrastructure? (continues…)
• WEBSITE VIEWS & HITS – STATISTICS:

37. What about I.T. infrastructure? (continues…)
ALL OF THE ABOVE IS PROVIDED FREE OF CHARGE!

38. What else?
MARKETING MATERIAL

39. What else?
MARKETING & CAMPAIGN DESIGNS

40. What else? (continues)
BOARDS, POLES & LOCAL TABLOID ADVERTISING:

41. What else? (continues)
CAR BRANDING EXAMPLES:

42. What else? (continues)
EXISTING OFFICE INFRASTRUCTURE:

43. What else? (continues)
REWARDS & RECOGNITION:

44. ALL OF THE ABOVE IS PROVIDED FREE OF CHARGE!

45. AGENT
Our business model has been developed by agents,
to the benefit of the agent…
Best financial
offering
Office
support
structure
I.T.
infrastructure
Marketing &
branding
Sales
Manager
Office
Administrator
Attorney
support
Bond
origination
support
Property.CoZa National Franchise Group
This group is the future for the South African Real Estate Agent

46. Corporate Vision
Our Promise:
We strive to be South Africa’s most dynamic Real Estate Organisation by providing an uninterrupted
personal service to our clients with a focus on expedience through commitment, reliability,
professionalism and trust.
Our Motivation:
The greatest rewards come to those who foresee and act upon an opportunity and in doing so, change
that market dynamic for the better.
Our Brand Values:
Reliability
Passion
Trust
Professionalism
A prioritized, solid lifestyle (God, family and then business)
Our Characteristics:
Bold (brave and courageous)
Ambitious (driven)
Dynamic (energetic, vibrant)
South African

47. Where are we already established?
Our goal is to dominate market share by establishing the largest footprint of successful Property
Professionals across South Africa. We have been achieving our goal over the past 6+ years…
Established operational offices:
• Benoni/Boksburg
• Bronkhorstbay
• Cape Town – Helderberg (Somerset West / Strand / Gordonsbay)
• Cape Town – Blouberg (Blouberg / Milnerton)
• Centurion
• Edenvale/Bedfordview
• Hartbeespoort/Brits
• Johannesburg – Fourways
• Johannesburg - Lonehill
• Johannesburg North-West (Honeydew)
• Johannesburg South
• Kempton Park
• Lowveld/Nelspruit
• Middelburg
• Pretoria New East
• Pretoria Old East/Moot/North
• Randburg
• Roodepoort
• Rustenburg
• Vanderbijlpark/Sasolburg
• Witbank
• Centurion (Head Office)

48. Where are we going next?
Expansion of the group will continue over the next 5 years…
Offices set to open in 2015:
• KZN – Umhlanga / Ballito
• Cape Town – City Bowl / Atlantic Seaboard
• Cape Town – Bellville / Brackenfell
• Cape Town – Durbanville / Welgedacht
Offices set to open in 2016/2017:
• JHB Old South/Central
• Vereeniging/Meyerton
• Potchefstroom/Klerksdorp
• Krugersdorp/Randfontein/Westonarea
• Johannesburg East
• Germiston/Alberton
• Bloemfontein
• East-London
• Port-Elizabeth
• Claremont
• Retreat/Tokai
• Constantia
• Rondebosch
• Welgelegen
• KZN

49. Is all of this too good to be true?
Our opposition would like you to believe that it is simply too good to be true because they can
not offer the same offering. They say it will not last… they said the same in 2009…. more than 6
years ago… but still we continue to grow…
Our business model is built on solid foundations supported by state-of-the-art IT systems &
professional service providers, thereby empowering South Africa’s Property Professionals to
become the Property Professionals of the FUTURE.
Our forefathers also thought the idea of travelling through space is too good to be true.
Some things can be so good you wouldn’t believe them unless you were there…