The document describes a plan by the Global Association of Consumers Inc. (GACI) to implement a revolutionary concept of selling real estate with a return of payment. The concept was copyrighted in 2004 by Dick Palma. GACI's plan is to partner with real estate developers, property owners, and pre-need companies to sell properties through GACI members, offering a return of the purchase amount to buyers. The plan outlines marketing and training steps to promote sales through GACI's membership network and commissions/incentives for its marketing organization.

1. Global Association of Consumers Inc presents REAL ESTATE SELLING WITH A HEART CORPORATE PLAN 2 A Revolutionary Strategyin Development with Equity Copyright 2004 by Dick O Palma

2. Have you ever heard of anyone selling Real Estate with Return of Payment?!? Development with Equity Money Back on Real Estate (corporate plan 2) Global Association of Consumers Inc Copyright @ 2005 Dick Palma

4. 21% said, “That’s too good to be true!”

5. 17% responded, “That’s impossible!” It appears that no one has really ever been selling real estate products that gave any return of payment! Development with Equity Money Back on Real Estate (corporate plan 2) Global Association of Consumers Inc Copyright @ 2005 Dick Palma

6. OBJECT OF THE PROJECT Implement the concept that more savings made by its population will also prime the economic growth of a country. Providing a Return of Payment for real estate purchases is thus a revolutionary and exciting approach to real estate and pre-need selling. Development with Equity Money Back on Real Estate (corporate plan 2) Global Association of Consumers Inc Copyright @ 2005 Dick Palma

7. PROPONENT OF THE PROJECT 1. A simple idea to deliver this exciting concept was hatched by Dick O. Palma, former president of the Filipino Inventors Society, who had his idea copyrightedin 2004. Through an NGO, the Global Association of Consumers Incorporated, presided by Mr. Palma, he envisions that all real estate selling will eventually be coupled with a return of payment, thus help fortify the life savings of buying consumers. Development with Equity Money Back on Real Estate (corporate plan 2) Global Association of Consumers Inc Copyright @ 2005 Dick Palma

8. STEPS TO IMPLEMENT PROJECT Create the Atmosphere of Real Estate Selling with Return of Payment. 1st acquire an authority to sell from Developers or Property Owners to sell their properties with the return of payment scheme. But must put into consideration that the policy cost being acquired from Pre-need Companies that guarantees the policy maturity value which is the amount to be returned to the buyer, must be from discounts given by the developer or property owner Development with Equity Money Back on Real Estate (corporate plan 2) Global Association of Consumers Inc Copyright @ 2005 Dick Palma

9. STEPS TO IMPLEMENT PROJECT · 2nd step create the marketing force within GACI and/or assist present marketing force of the developers on the new concept adaptation. To avail of the concept, one has to be a member of GACI as an individual member or a corporate member or as associate member. i. Advertise campaign to build and increase sales force ii. Run membership campaign seminars and trainings for prospective member iii. Advertise real estate products with ROP iv. Create a database to monitor product listings and memberships v. Develop an auditing system for sales, expenses, and incentives for the sales force Development with Equity Money Back on Real Estate (corporate plan 2) Global Association of Consumers Inc Copyright @ 2005 Dick Palma

10. STEPS TO IMPLEMENT PROJECT · 3rd step develop a training modules and seminars to enhance the skills of its sales force that gets income from the following: I.Property listing commission ii.Organization incentives iii.Policy commission Iv.Recruitment incentive Development with Equity Money Back on Real Estate (corporate plan 2) Global Association of Consumers Inc Copyright @ 2005 Dick Palma

11. STEPS TO IMPLEMENT PROJECT · 4th step marketing tie-up with a pre-need company that will also assist in the project implementation through its present office, facilities, and existing sales force. Dual selling of real estate and pre-need products will make selling easier. Development with Equity Money Back on Real Estate (corporate plan 2) Global Association of Consumers Inc Copyright @ 2005 Dick Palma

12. What is GACI’s plan to share this copyrighted concept? · Make the concept easier to avail not only for developers and property owners but also for real estate agents and pre-need agents simply by being a member of GACI, a non-government, non-stock, non-profit organization. What are the types of membership? 1. Corporate Member – are developers and/or property owner 2. Individual Member – are agent who desires to sell using the concept. 3. Associate Member – are property buyers or consumers. Development with Equity Money Back on Real Estate (corporate plan 2) Global Association of Consumers Inc Copyright @ 2005 Dick Palma

13. Marketing Organization – its commission & incentives MARKETING MANAGEMENT 3% -. Asst.Vice President (AVP) 7% Property Source/Listing (PL) 5% - Division Head (DH) 6%. Paper Work (PW) 7% - Area Head (AH) 22% Company (CO) 50% Consumer Benefit Provider (CBP) _____ _____ 65% 35% = 100% Development with Equity Money Back on Real Estate (corporate plan 2) Global Association of Consumers Inc Copyright @ 2005 Dick Palma

14. Marketing Level Requirement & Promotion MARKETING MANAGEMENT 1. Asst.Vice President (AVP) 1. Property Source/Listing (PL) - have at least 3 DH - open to all members 2. Division Head (DH) 2. Paper Work (PW) - have at least 3 AH - only authorized persons 3. Area Head (AH) 3. Company (CO) - have at least 6 CBP 4. Consumer Benefit Provider (CBP) Development with Equity Money Back on Real Estate (corporate plan 2) Global Association of Consumers Inc Copyright @ 2005 Dick Palma

15. Thank YouJoin us on this unique plan. Contact: Tel/Fax (063)-584-24-37 Dick Palma c.p. 0916-3003737 email dickypalma@yahoo.comor see us at our temporary website: www pccareclub.com