The document proposes the Investment Property Club (IPC) as a solution to transform the world by balancing the ecosystem of wealth. IPC would allow more than 83% of people access to investing through crowdfunding rental properties, and help over 15% of people in poverty to break the cycle. IPC connects property owners, investors, and tenants in a way that provides incentives for tenants through subscription notes and neighborhood improvements, while also offering investors stable returns. The goal is to close the inequality gap and improve lives through distributed wealth.

1. A Balanced Ecosystem
Transforming the world One Household at the time®
By
Victor H Certuche
CEOThe Investment Property Club

2. Agenda
• Personal Challenge
• The Plenty Mindset
• Behind the 99%
• The ones that can invest 83.9%
• The ones under the Poverty Line 15.1%
• The Investment Property Club
• Property Owners
• Investors
• Tenants
• Cycle of Poverty
• Breaking the Cycle of Poverty
• How the Investment Property Club works
• Q&A

3. Personal Challenge
• Always able to generate income
• Love the good life
• Full of ideas
• Always thinking on how to make life better for others
• Unconsciously uncomfortable with wealth
• Always sabotaging my own excessive wealth

4. Breakthrough andThe Plenty Mindset
• While reading one time I came across the following paragraph that changed my life forever:
• “You see, you have to feel that you deserve good things, or else your subconscious might very well
sabotage all your best efforts. If you don't truly feel that you deserve great financial success, then you
are battling an almost insurmountable obstacle—your subconscious. Giving regular gifts from your
income to charity is one excellent way of, once and for all, persuading your subconscious that you
deserve what lies ahead. In this way it will not only end its sabotage, it will begin actively to assist you
in your quest.” –Thou shall Prosper – Rabbi Daniel Lapin
• The definition of Plenty: “a large or sufficient amount or quantity; more than enough”
• Most people focus on “large”
• I focus on the “sufficient”
• Distinguish between Need andWant
• Once I reach Plenty, we need to help others achieve it

5. The Plenty Mindset and a Balance Ecosystem
•With a Plenty Mindset
• Distributed wealth is empowering
• A small percentage of distributed wealth beats a large
percentage of centralized wealth
• Increase in wealth is tied to improvement for the 99%
• Allow the 83.9% access to the 1% ROI
• Allow the 15.1% to break out of poverty and move over the line of
poverty

6. What is behind the 99%
• Consumerism drives the economy
• Do not understand Bad Debt vs. Good Debt
• Believe that Owning is Real
• Cannot obtain loans
• Do not have enough cash
• Receive very little ROI
• Some are consumed in the poverty cycle

7. A Solution -The Investment Property Club
Property Owners (1%)
Register with the Club
Register with the Club
Register with the Club
Invest (AR)
Invest(VR)
Invest(AR)
Rent (invest)
Rent(Invest)
Invest(SR)
Invest(VR)
Rent (invest)
Investors (83.9%)
Investors (83.9%)
Tenants (15.1%)
Tenants (15.1%)
Tenants (15.1%)

8. Investor (83.9%) - Incentives
• Investment Subscription NotesValue tied to Property Appraisal
• Second Lien to protect Subscription Notes
• Investment on Neighborhood Improvements to increase NoteValue
• SocialTransformation

9. The Club forTenants (15.1%)
• Break the Cycle of Poverty
• CommitTenants to Improve Neighborhoods
• Commit Investors to Invest in Neighborhoods
• Commit Property Owners to share ownership of Neighborhoods

10. Tenants (15.1%) - Cycle of Poverty
Cannot
1. Plan
2. Predict
3. Identify
Cause and
Effect
4. Identify
Consequences
5. Control
Impulses
8. Stay out
ofTrouble
Adapted from Framework
for Understanding Poverty
by Dr Ruby Payne
Chaotic world, violence,
drugs, prostitution

11. The Club forTenants (15.1%) - Breaking the Cycle of
Poverty
Cannot
Plan
Predict
Identify
Cause and
Effect
Identify
Consequences
Control
Impulses
Stay out of
Trouble
IPC offers Monthly Rental 5%
incentives tied to Property
and Personal upkeep
IPC offers 5% ofYearly
Rental as Property
Subscription Note for
Property and Personal
upkeep
IPC offers matching
Subscription Note value
for College Expenses

12. Tenants (15.1%) - Incentives
• Monthly Incentive (5% of Monthly Rental)
• 5% is very considerable amount
• Avoids the Gambler’s Syndrome
• Delaying gratification lowers the intent
• Targeted to Reduce Maintenance andVacancy Expenses
• Yearly Subscription Note (5% ofTotalYearly Rent)
• Provide co-ownership to tenants
• Provide investment opportunity toTenants
• LongerTerm Rental Agreements
• Stability
• Lower MaintenanceCosts

13. Tenants (15.1%) - Incentives
•IPC Investment in Neighborhoods
• Each neighborhood to become aTribe
• Tribes will have improvements backlogs
• IPC will allocate funds forTribe backlogs
• Tribes will decide fund used based on backlog priority

14. How IPC Works
• Cash Access for Property Owners
• Property Owner registers property
• Property Owner receives investment money
from Investors
• Crowdfunding model for Investors
• Investors look at Rental Property ROI and
Risks
• Investors Invest
• Investors monitor and invest on
Neighborhood improvement
opportunities
• IPC Charges transaction Fees
• Setup ofTexas based company($500)
• Property Owner Registration ($300)
• Property Registration ($500)
• Property Management Fees (10%)
• Investor Subscription Note (1.5%)
• Investor Redemption Note(1.5%)
• IPC Invests in Neighborhoods
• Tenants work with Neighbors to identify
backlog of improvements
• IPC provides funding to address
improvements

15. Summary
• It is Ok to have a good life if in the process we improve everybody
else’s life
• We can close the inequality gap by
• Allowing the 83.9% to have an opportunity to invest in good and stable
ROI
• Allowing the 15.1% to break out of the Cycle of Poverty
• IPC will be profitable and invest heavily in the same communities

16. Questions