The document provides information about cooperatives and Future-Net Credit Cooperative. It defines a cooperative as a registered association of people who voluntarily join together to meet social, economic, and cultural needs through equitable contributions and democratic control. Future-Net Credit Cooperative was established in 2011 and is governed by Philippine cooperative law. It offers members loans, savings plans, insurance, and various income opportunities through business partnerships and referrals.

1. www.futurenet.ph

2. WHAT IS A COOPERATIVE?

3. WHAT IS A COOPERATIVE?
- Autonomous and a duly registered association
- Common bond of interest
- Voluntarily joined together
- Achieve their social, economic, and cultural needs
and aspirations
- Equitable contributions
- Patronizing their products and services
- With risks and benefits
- Cooperative principles

4. COOPERATIVE PRINCIPLES
1. Voluntary and Open Membership
2. Democratic Member Control
3. Member Economic Participation
4. Autonomy and Independence
5. Education, Training and Information
6. Cooperation Among Cooperatives
7. Concern For Community

5. All Cooperatives must register under the CDA and all Cooperatives are
governed under the:
R.A. 9520
PHILIPPINE
COOPERATIVE
CODE OF 2008

6. Who can be Members of a Cooperative?
A cooperative has two kinds of members: regular members and associate
members
A regular member is one who has complied with all the membership requirements and
entitled to all the rights and privileges of membership as stated in the Cooperative Code and the
coops’ by laws.
An associate member has no right to vote and be voted upon and is entitled only to such
rights and privileges provided by the cooperative’s by laws.

7. WHAT ARE THE TYPES OF
COOPERATIVE?
Cooperatives may fall under any of the
following type:
Credit Cooperative Financial Service Cooperative
Consumer Cooperative Fishermen Cooperative
Producers Cooperative Health Services Cooperative
Marketing Cooperative Housing Cooperative
Service Cooperative Insurance Cooperative
Multipurpose Cooperative Transport Cooperative
Advocacy Cooperative Water Service Cooperative
Agrarian Reform Cooperative Workers Cooperative
Cooperative Bank
Dairy Cooperative Other types of Cooperative as may be determined
Education Cooperative by the
Electric Cooperative CDA Cooperative Development Authority.

9. FUTURE-NET CREDIT COOPERATIVE
Established November 8, 2011
CDA Registration # 9520-16020832

10. Empowered by:
Future-net Network Marketing
Association of the Philippines
SEC Registration # CN201118456

11. Barangay Clearance BIR Certificate Business Permit

12. FUTURE-NET COMMON
BOND OF INTEREST?
ASSOCIATIONAL
All members of Future-Net Association (FNMAP, Inc.)
can be a member of Future-Net Credit Cooperative

14. The People behind
FUTURE-NET CREDIT COOPERATIVE
MR. RICKY DEPAULA SARMIENTO
Chairman of the Board
- Graduate of Bachelor of Science in Biology
(Far Eastern University)
- Graduate of Bachelor of Science in Nursing
(Our Lady of Fatima University)
- Registered Nurse - PRC #: 0376476
- United States Registered Nurse
(USRN-California)
- Entrepreneur

15. EMT-Paramedic, CSPT, DGSV, SGCV, SSSH, MBA-
Certified
KSA-MOH-CSSD Committee Member
KFMC-Infection Control Sub-Committee Member
KFMC-CSSD Safety Liaison Officer
KFMC-CSSD Quality Improvement Officer
European-Germany CSSD International Certified
(DIN-58946-6)
MR. VIRGILIO JACKSON CASIÑARES
Vice-Chairman of the Board

16. BOARD OF DIRECTORS
Mary Grace Sarmiento
Entrepreneur
Board Secretary
Leonora B. Oliva
Alejandro O. Navarro Operation Manager,Future-Net Fairview
Quezon City. BRANCH
Entrepreneur/Networker
Manager of Local Manpower for Six (6) Years
LEGAL ADVISER
Rv B. Calamaya  Atty. Al Diaz
IT System Developer @
China Banking Corporation

17. MISSION
1. To instill cooperativism as a way of life.
2. To act as a catalyst and unifying force in the
 Core Values: promotion, development and cooperation of
Excellence, cooperatives at all levels towards the
Commitment, Integrity improvement of the quality of life.
& Teamwork. 3. To seek ways and means of achieving self-
reliance, integration and mutual assistance.
VISION
To become strong, viable cooperative in the
Philippines, unified by common aspirations to
promote cooperativism characterized by self-
reliance, mutual assistance, democracy, justice
and nationalism to achieve total human
development.

18. The Purpose/s for which this
FUTURE-NET CREDIT COOPERATIVE was
organized;
 To provide greater benefits to the members such as
increasing individual income or enhancing a
member’s way of living.
 To be pioneering business in delivering sustainable
financial service for members and society.
 To engage in accepting deposits and granting of loans
for productive and providential use to members.

20. MEMBERSHIP P1500
> FNMAP, INC
> Social Fund
> Insurance/ID
> Future-net Incentive Program
> Back office Website
> Future plans of Future-net

21. SHARE CERTIFICATE
REQUIRED SHARE CAPITAL – P5,000.00 REQUIRED SAVINGS - Minimum of 5,000.00
Deduction will be made weekly 50.00/Week. Succeeding saving upon
from commission 50.00 completion of 5,000.00 is optional.

22. INSURANCE CERTIFICATE
OF COVER
HELP PROGRAM
- Natural Death -
- Calamity -
INSURANCE COVERAGE
50k Accidental Death, 50K Dismemberment, Members who has earnings for the week
5k Medical Reimbursement due to Accident the event happened. P20 will be
5k Burial Benefits due to Accident deducted from their commission

23. FUTURE-NET TERMS :
FNDRC - Future-net Direct Referral Commission
FNIDRC - Future-net Indirect Referral Commission
FNLC - Future-net Loan Commission
FNMFRC - Future-Net Mobile Franchise Referral
Commission
“Money,Opportunity,Business,Income,Livelihood,Entreprenuer”

25. “We Help You Invent Your Family’s Future”
In every person that you SPONSOR REMARKS : If you can sponsor as fast
you will get P750 real time as (5) on your Group..You are Qualified
to apply for a loan @ Future-Net Coop.
income
750 750 750 750 750

26. “TRADITIONAL WAY”
Php5000 S/C (1 month maturity)
Loan Amount: Php5,000 * .5% / month
Php1,000 = Php5.00/month
Php5,000 = Php25.00/month x 6 months
Php5,150 / 6 months = Php858.33
Php858.33 / 4 weeks
Weekly payment = Php214.58
Note: Payment will be made weekly every Friday until 9:00 PM .
The shortest term of payment is (3) months and payable religiously on the given date.
Second loan amount will be upon the decision of the Loan Evaluator.
Collateral/Co-maker will be needed when loan amount is Php20,000 and above.
www.futurenet.ph

27. “FAST TRACK LOAN”
CI/Collateral/Co-
maker
more 1 month maturity
YOU
1ST LEVEL - D D D D D
2ND LEVEL - D D D D D
3RD LEVEL - D D D D D
www.futurenet.ph

28. No. of Direct
Referrals LOAN
Loan Interest is
5 DIRECTS =
(Required Share Capital P 500)
P3,000
0.5% monthly
25 DIRECTS = P10,000 Loan Payable in
(Required Share Capital P 1500)
6months
35 DIRECTS = P15,000
(Required Share Capital P 2500)
45 DIRECTS = P20,000
(Required Share Capital P 3500)

30. Level Value No of Members Amount
1 100 5 500
2 50 25 2,500
3 30 125 3,750
4 20 625 12,500
5 10 3125 31,250
6 10 15625 156,250
7 10 78125 781,250
8 10 390625 3,906,250
9 10 1953125 19,531,250
10 5 9765625 48,828,125
11 5 14765625 73,828,125
12 5 19765625 98,828,125
13 5 24765625 123,828,125
14 5 29765625 148,828,125
15 5 34765625 173,828,125

31. THERE’S MORE…
6 months to pay w/ P5000 share capital
1 year to pay w/ P5000 share capital
1 yr. & 6 mo. to pay w/ P5000 share capital
2 yrs. to pay w/ P5000 share capital

33. Ex.Loan Loan
Level No. of Member Loan
(3,000/Each) Commission
1 5 0.50% 15,000 75.00
2 25 0.40% 75,000 300.00
3 125 0.20% 375,000 750.00
4 625 0.10% 1,875,000 1875.00
5 3,125 0.05% 9,375,000 4687.50
6 15,625 0.05% 46,875,000 23,437.50
7 78,125 0.05% 234,375,000 117,187.50
8 390,625 0.05% 1,171,875,000 585,937.50
9 1,953,125 0.05% 5,859,375,000 2,929,687.50
10 9,765,625 0.05% 29,296,875,000 14,648,437.50
TOTAL : 18,335,812

34. 6% Pro-rata
Patronage Refund
Dividend
YEAR END

35. FUTURE-NET
ADDITIONAL COMPENSATION PLAN
INFINITY P1500
POWER INFINITY
2 PASS UP
LARGEST EARNING POTENTIAL!!!!!

36. 1ST DIRECT 2nd DIRECT 3RD 4th DIRECT 5th DIRECT
DIRECT REFERRAL
REFERRAL REFERRAL REFERRAL
REFERRAL
You earn P750 You earn P750 You earn P750
You earn P750 You earn P750 You earn P750
Stays in your Stays in your Stays in your
network network Passed up to network
Passed up to
Your UPLINE Your UPLINE
He/She earns P750 He/She earns P750

37. You passed up your 2nd and 4th direct referrals. From 6th direct
referral onwards, there will be no more passing
Time will come thousands upon
THAT IS of where it gets exciting
Now here’s people shall be passing
thousands INFINITY P1500 TO
when you up to you!
receive pass ups!!!
YOU!!!
These 3 people remained under you will EACH pass up their 2nd and 4th referrals.
That’s a total of 6 pass ups to you. Since you earn P750 per pass up to you, you make P4500
6 people will pass up their 2nd and 4th referral to you. That’s a total of 12 pass ups to you, you earn P9,000.
12 people will pass up their 2nd and 4th referral to you. That’s a total of 24 pass ups to you, you earn P18,000.
24 people will pass up their 2nd and 4th referral to you. That’s a total of 48 pass ups to you, you earn P36,000.

38. MONTHLY INTEREST
0.5% or P5.00 in every P1000 Payable in Six (6) Months
INDIRECT REFERRAL COMMISION
Cut-off: Monday to Sunday (Cut-off 9pm)
Release of Commission is every WEDNESDAY the following week.
SCHEDULE OF PAYMENT
Share Capital , Loans & Savings – every FRIDAY until 9pm cut off time.
*** Release/Renewal of loan will be delayed for 1 month in case of late
payment.
STRICTLY IMPLEMENTED
*** You may pay in advance – Ex : P200.00 will cover your payment for
a month
*** You can deposit for your Share Capital & Savings simultaneously.

39. WHERE TO DEPOSIT YOUR WEEKLY PAYMENTS
All members must deposit their weekly SHARE CAPITAL, SAVINGS and LOAN payments directly to any Mobile
Franchisee or authorized banks of FUTURE-NET CREDIT COOPERATIVE.
For bank payments. Make 2 copies of the deposit slip. 1 COPY for filing purposes of the member and bank copy.
Report the detail of the deposit at the office thru our TXT MESSAGE FORMAT.
INFORMATION NEEDED ARE
Purpose of payment /Full Name/Amount/Bank/Branch/Date/Time/Transaction Number
TXT FORMAT: Example 1: ( For SHARE CAPITAL PAYMENT )
SHARE CAPITAL/JUAN DELA CRUZ/200/BPI/FAIRVIEW/28DEC12/11:19:04/454CRLP3
Example 2: ( For LOAN PAYMENTS )
LOAN /JUAN DELA CRUZ/500/BPI/FAIRVIEW/28DEC12/11:19:04/454CRLP3
Future-net Cooperative Banks
BANK OF THE PHILIPPINE ISLANDS Send to:
ACCOUNT NO: 004543-1138-46
SMART: 0947.773.8823
RIZAL COMMERCIAL BANKING CORPORATION (RCBC) GLOBE: 0917.905.83.05
ACCOUNT NAME : FUTURE NET CREDIT COOPERATIVE SUN: 0923.445.67.08
ACCOUNT NO: 1-135-76246-2
Email to: fncc.info@gmail.com
UNITED COCONUT PLANTERS BANK (UCPB)
ACCOUNT NAME: FUTURE NET CREDIT COOPERATIVE
ACCOUNT NO: 201940002527

40. INVESTMENT: PHP100,000
o Mobile Franchise Panel
Benefits:
o Certificate of Appointment
P75 per paid Mem Application
o 1M Insurance Coverage AD & D 5% Encashment
o 500,000 for Spouse & Maximum of 2 0.5% Loan of Tagged Application
Children (7-18y/o).
o 100,000 Unprovoked Murder and assault Lock in (by Parameter area/
o 100,000 Burial Assistance Accidental Death Municipality)
o Personal VTPL (Second Layer of car insurance) REQUIREMENTS:
P200,000.00 oLetter of Intent (LOI)
o Fire Assistance P 50,000.00 oBarangay Clearance
o Membership Forms (2 pads) oExisting Member
o 2pc. Provisionary Receipts oOffice
o 2 pcs. Tarpaulin ( BIG )
oComputer/Scanner
oInternet
o 2 pcs. Tarpaulin ( SMALL )
o 40 ACTIVATION CODES X 1500/each = P60,000

41. + Php 5 in every entry of your direct
franchise sponsor

42. COMING SOON……
RAFFLE DRAW OF A BRAND NEW HYUNDAI ACCENT
FUTURE-NET
PRODUCTS

43. Investorinterested investors door for
Future-net is now opening it’s
Referral
Commission
> Looking for 5 qualified investors
> Investment is 1 million each
> 15% per annum - Release of interest is every
P25,000 COLD CASH!!! of the year
quarter
P1,000,000 x 15% = P150,000
P150,000 / 4 months = P37,500 quarterly
> 3% on product sales - Release is every
P300,000 worth of sales
P300,000 x 3% = P9,000
300k sales a month
12 months x P9,000 = P108,000
300k sales a week
48 weeks x P9,000 = P432,000

45. Unit-C 2nd/F 167 RCB Square, CasaMilan Comml,
Commonwealth Ext. North Fairview, Q.C.
Phone: 632.409.2660
Fax: 632.990.2535
Smart: 0947.7738823
Globe: 0917.9058305
Sun: 0923.445.6708
futurenet.associate@gmail.com
fncc.info@gmail.com
Office hours : 10AM – 10PM
Cut off time : 9PM
Monday - Saturday