This document outlines the policies and procedures for independent distributors and loading outlets of SELF-LOAD PREPAID VENTURES (SPV) in the Philippines. It details how individuals can become a distributor or loading outlet by purchasing a starter kit or loading outlet package. It also describes the rights and responsibilities of distributors and loading outlets, such as abiding by the company's code of conduct, not engaging in crossline sponsoring, and complying with SPV's fair usage policy for subscribers. The document states that SPV may amend its policies and procedures and reserves the right to suspend or terminate distributors for violations. It also specifies that legal disputes will be resolved in courts located in Baguio City.

1. SELF-LOAD PREPAID VENTURES or (SPV) Policies & Procedures
I. INTRODUCTION.
SELF-LOAD PREPAID VENTURES or (SPV) (“Company”) in the Philippines. From this point forward, independent distributor will be referred to as “DISTRIBUTOR or LOADING OUTLET” depending on the subscription availed by the individual applicant. These Policies and Procedures govern the way in which DISTRIBUTORS or LOADING OUTLET participate activities with SELF-LOAD PREPAID VENTURES or (SPV). These Policies and Procedures (collectively referred to herein as the “Agreement”), such as may now exist or hereafter be amended, constitutes the complete and binding Agreement and understanding between an independent DISTRIBUTOR or LOADING OUTLET and SELF-LOAD PREPAID VENTURES or (SPV). Failure to comply with the provisions of any of these documents may result in the termination of the Agreement. Should any portion of the Agreement, or any instrument published by SPV be declared invalid in a court of jurisdiction, the balance of such rules, applications, or instrument shall remain in full force and in effect. Every DISTRIBUTOR or LOADING OUTLET shall abide by the following guiding principles:
a. To be honest and fair in my dealings as DISTRIBUTOR or LOADING OUTLET of SPV.
b. To perform activities in a manner that will enhance reputation and the positive reputation established by SPV.
c. To be courteous and respectful of every person I contact in the course of my SPV DISTRIBUTOR or LOADING OUTLET activities.
d. To fulfill leadership responsibilities as a sponsor including training, supporting and communicating with DISTRIBUTOR or LOADING OUTLET in the organization.

2. e. Not to misrepresent SPV activities or its program. Not to sponsor or attempt to sponsor any SPV DISTRIBUTOR or LOADING OUTLET directly or indirectly into any other program which is not related to SPV or to any other network marketing company or engage in deceptive or illegal practices. Not to sponsor or attempt to sponsor directly or indirectly any person or customer in the premises of any MLM company to become DISTRIBUTOR or LOADING OUTLET of SPV.
f. Obligations incurred in the course of his activities as a DISTRIBUTOR or LOADING OUTLET and will discharge all debts and duties as required of a DISTRIBUTOR or LOADING OUTLET.
II. INDEPENDENT DISTRIBUTOR or LOADING OUTLET
a. DISTRIBUTOR or LOADING OUTLET. An individual may become an independent DISTRIBUTOR or LOADING OUTLET by purchasing STARTER KIT or LOADING OUTLET PACKAGE set by SPV. Starter Kit/LOADING OUTLET PACKAGE is non-refundable, but replaceable if defective.
b. SIM ACTIVATION. Activation of an individual’s account with SPV through SIM ACITVATION using the DISTRIBUTOR PIN or LOADING OUTLET PIN that comes with the STARTER KIT/LOADING OUTLET PACKAGE means he/she is now an independent DISTRIBUTOR or LOADING OUTLET of SPV. The said activation simply means that a new DISTRIBUTOR or LOADING OUTLET clearly understands the policies of SPV and agrees to conform/abide by it.
c. Independent DISTRIBUTOR or LOADING OUTLET Status. The DISTRIBUTOR or LOADING OUTLET will not be treated as an employee for any tax purposes. All DISTRIBUTORS or LOADING OUTLETS are independent individuals engaged in their own separate activities pursuits. DISTRIBUTORS or LOADING OUTLET are not to be considered purchasers of a franchise, nor does the Agreement between SPV and its DISTRIBUTORS or LOADING OUTLET create an employer/employee relationship, agency, partnership or joint venture. DISTRIBUTORS or LOADING OUTLET are strictly prohibited from stating or implying, whether orally or in writing that their relationship is any other than as outlined above. Each DISTRIBUTOR or LOADING OUTLET shall hold harmless SPV from any claims, damages or liabilities arising out of the DISTRIBUTOR’S or LOADING OUTLET’S activity/program practices. DISTRIBUTORS or LOADING OUTLET have no authority to bind to any obligation. Each DISTRIBUTOR or LOADING OUTLET is encouraged to set up his/her own hours and to determine his/her own manners of participation, as long as he/she complies with the terms of the Agreement.
d. DISTRIBUTOR or LOADING OUTLET Conduct. DISTRIBUTOR or LOADING OUTLET will perform all of their activities in a professional and ethical manner, which will enhance DISTRIBUTOR’S or LOADING OUTLET’S reputation and the positive reputation of SPV. DISTRIBUTOR or LOADING

3. OUTLET will not engage in any conduct which would negatively reflect on SPV or any other DISTRIBUTOR’s or LOADING OUTLET’S image. DISTRIBUTOR or LOADING OUTLET will be courteous and respectful of every person contacted including employees and executives of the corporate office of SPV and BRANCHES nationwide, and will conduct their DISTRIBUTOR or LOADING OUTLET status in a way as to respect the activities/programs and professionalism of SPV and its other DISTRIBUTOR or LOADING OUTLET. A DISTRIBUTOR or LOADING OUTLET will under no circumstance disparage or infringe upon the SPV name or reputation in connection with SPV or misappropriate any confidential or proprietary information (including DISTRIBUTOR’s or LOADING OUTLET’S name and address lists) for use by the DISTRIBUTOR, LOADING OUTLET or others.
e. Distributor or LOADING OUTLET Enrollment. SPV provides the following fulfillment to its DISTRIBUTOR or LOADING OUTLET personalized DISTRIBUTOR’s or LOADING OUTLET’S website that includes web hosting. SPV also provides a back office that enables the DISTRIBUTOR or LOADING OUTLET to manage his/her activities/programs, view online tools and download material, review the calculation and payment of Compensation.
f. DISTRIBUTOR or LOADING OUTLET Rights. All DISTRIBUTORS or LOADING OUTLETS are authorized to sell SPV subscriptions/products/services and participate in the Compensation plan. All SPV DISTRIBUTORS or LOADING OUTLETS may sponsor new DISTRIBUTOR or LOADING OUTLET in the business program.
g. DISTRIBUTOR or LOADING OUTLET Age. DISTRIBUTOR or LOADING OUTLET must be 18 years of age or legal age specified by the laws to become a DISTRIBUTOR or LOADING OUTLET of SPV.
h. Married Couples. Spouses may each have their own dealership with SPV Spouses must be in the same line of sponsorship and a spouse may not be associated directly or indirectly with DISTRIBUTOR or LOADING OUTLET positions in other sponsorship organizations. The action of one spouse will be attributed to both spouses.
i. Corporations, Partnerships and Trusts. Corporations, limited liability companies, partnerships and/or trusts may become DISTRIBUTOR or LOADING OUTLET ONLY when the completed Application and Agreement is accompanied by notarized copies of the incorporation, articles of incorporation, articles of organization, partnership agreement or trust document or other charter or organic documents as filed with the state or organization (where applicable).

4. j. Fictitious and/or Assumed Names. A person or entity may not apply as DISTRIBUTOR or LOADING OUTLET using a fictitious or assumed name or use the identity of another person or entities that will not be associated with the BUSINESS. No one may enter a Social Security Number or Tax Identification Number that was not assigned to the primary individual or entity on the BUSINESS.
k. No Exclusive Territories. There are no exclusive territories for sponsoring purposes, nor shall any DISTRIBUTOR or LOADING OUTLET imply or state that he/she has any exclusive territory rights.
l. Other Services and Products. DISTRIBUTORS or LOADING OUTLETS are not restricted from selling the services and products of other companies. However, direct or indirect promotion of those products and services to SPV DISTRIBUTOR or LOADING OUTLET within company premises is prohibited. A DISTRIBUTOR or LOADING OUTLET found in violation of this rule risks the loss of buying privileges, possible suspension and/or termination of the Agreement and from participating in the SPV Compensation Plan, in addition to other remedies to which SPV may be entitled.
m. Crossline Sponsoring. Sponsoring others directly or indirectly whether through written, spoken or implied means from one DISTRIBUTOR or LOADING OUTLET organization to another is strictly prohibited.
III. SPONSORSHIP/TRAINING AND TERMS OF TERMINATION
a. Sponsoring. DISTRIBUTORS or LOADING OUTLET are entitled to sponsor others into SPV. However, DISTRIBUTORS or LOADING OUTLETS are rewarded only for the generation of sales of products by DISTRIBUTOR or LOADING OUTLET, not for sponsoring new DISTRIBUTOR or LOADING OUTLET into the program.
b. Sale/Transfer of DISTRIBUTOR Account. A DISTRIBUTOR or LOADING OUTLET account may be sold or transferred to other entity only following a period of six (6) months in the name of the original DISTRIBUTOR or LOADING OUTLET. A completed and notarized Sales/Transfer form is to

5. be submitted to the Support Department. When such transfer/sales is approved and accepted any volume previously accumulated will be removed.
c. Multiple Accounts. If one applicant activates multiple accounts listing multiple sponsors, only the first Activation will be accepted. SPV reserves the right, at its sole discretion, to make the final decision with respect to all such disputes.
d. Sponsor and Placement Changes/Corrections. No sponsor and placement changes/corrections are allowed.
e. Acquisition of DISTRIBUTOR Account. A DISTRIBUTOR or LOADING OUTLET desiring to acquire interests in another DISTRIBUTOR’s or LOADING OUTLET’S account must first terminate his/her DISTRIBUTOR or LOADING OUTLET status and wait for a period of six (6) months from the date of resignation notice, before becoming eligible for such a purchase. All such transactions must be fully disclosed through the completion of a Sales/Transfer form submitted to SPV support Department which is subject to approval by SPV.
f. Personal Information. Personal information such as the DISTRIBUTOR or LOADING OUTLET back office password, the DISTRIBUTOR’s or LOADING OUTLET’S address, telephone number, email address etc. will be treated as confidential and will not to be shared with any other person(s) outside of SPV, unless required by law. In the event of an emergency the inquiring party may contact Support Department who will advise the DISTRIBUTOR or LOADING OUTLET that someone is attempting to contact him/her.
g. Training Requirement. DISTRIBUTORS or LOADING OUTLETS are required to assure the adequate training of DISTRIBUTOR or LOADING OUTLET they sponsor. “Adequate training” shall include, but not be limited to, education regarding the Policies and Procedures, Compensation Plan, product information, sound business practices, sales strategies, and ethical business behavior. A sponsor must maintain an ongoing, professional leadership association with DISTRIBUTOR or LOADING OUTLET in his/her organization and must fulfill the obligation of performing a bonafide supervisory, sales or distributive function on the sale or delivery of product and services to the ultimate consumer.

6. h. Techno User Activation. DISTRIBUTORS or LOADING OUTLETS may activate mobile phone users into SPV system who will then be called TECHNO USERS. Activation Fee is P75, but DISTRIBUTORS may charge additional for its personal service. DISTRIBUTORS or LOADING OUTLET must educate its TECHNO USERS on how to manage its account, transact with SPV system and explain the FAIR USAGE POLICY.
i. Monthly System Rental. All DISTRIBUTORS or LOADING OUTLETS participating in the Binary Plan of SPV are required to pay monthly system rental of P200 automatically deducted in their account/bonus.
j. Resignation/Renewal. Any DISTRIBUTOR or LOADING OUTLET may voluntarily resign his/her DISTRIBUTOR or LOADING OUTLET status by sending written notice to SPV. Resignation is in effect upon receipt of such notice. A DISTRIBUTOR or LOADING OUTLET who resigns may not reapply either individually or with financial interests in any other DISTRIBUTOR or LOADING OUTLET entity for a period of six (6) months from the date of resignation. SPV has the sole right to accept/reject the DISTRIBUTOR’s or LOADING OUTLET’S account re-activation.
k. Suspension. SPV reserves the right to suspend any DISTRIBUTOR or LOADING OUTLET position at any time for cause when it is determined that the DISTRIBUTOR or LOADING OUTLET has violated the provisions of the Agreement, including the provisions of the Policies and Procedures as they might be amended or the provisions of the applicable laws and standards for fair dealing. Such involuntary suspension shall be made by SPV at its discretion. SPV will notify the DISTRIBUTOR or LOADING OUTLET either by postal delivery or email sent to the latest address listed with SPV for the DISTRIBUTOR or LOADING OUTLET. In the event of a suspension a DISTRIBUTOR or LOADING OUTLET agrees to immediately cease representing himself/herself as a DISTRIBUTOR or LOADING OUTLET of SPV. During the investigation period of the suspension any Compensation, commissions, overrides or bonuses, which may be due, will be held in abeyance by SPV pending resolution. Should the infraction be deemed unsubstantiated or the appeal evaluated and accepted by SPV, the suspension shall be lifted and any Compensation will be credited to the DISTRIBUTOR or LOADING OUTLET. During the applicable suspension period, SPV products and services may be purchased by the suspended DISTRIBUTOR or LOADING OUTLET at cost. However, the suspended does not have the right to represent himself/herself as a DISTRIBUTOR or LOADING OUTLET, promote his/her BUSINESS or the products during the applicable suspension period. In any instance where applicable law is inconsistent with, or requires additional or other action than set forth in the foregoing, such procedure shall automatically be amended to conform to compliance for the residents of that particular state. In the event that a DISTRIBUTOR or LOADING OUTLET is suspended for wrongdoing for a

7. determined period of time he or she will not be entitled to earn Compensation for the period of the suspension.
l. Termination. A DISTRIBUTOR or LOADING OUTLET may be terminated for violating any of the terms of the Agreement. Notice of the termination, citing the reason(s) for the action, shall be provided in writing to the DISTRIBUTOR or LOADING OUTLET and delivered either through postal delivery or email. Termination shall be effective as set forth therein, if a timely appeal is not provided by the DISTRIBUTOR or LOADING OUTLET in accordance with the appeal procedure set forth by SPV. In the event that SPV deems it necessary to terminate an individual’s DISTRIBUTOR or LOADING OUTLET position, the termination would render the terms of the Agreement between SPV and the DISTRIBUTOR or LOADING OUTLET.
Fair Usage Policy for All SPV System Subscribers.
a. SPV SUBSCRIBERS. Subscribers refer to DISTRICT LOADING DEPOT, LOADING OUTLET, DISTRIBUTOR and TECHNO USER.
b. COMMENCEMENT OF SUBSCRIPTION. Subscription to SPV commences upon activation of subscriber’s SIM. By activation, the subscriber agrees to the company policies of SPV.
c. SUBSCRIPTION PURPOSE. Subscription to SPV allows subscribers to access all types of over the air PREPAID LOADS. However, it is absolutely for self-loading purposes only. This means that all subscribers must use SPV TECHNOLOGY only to supply prepaid load to their family members and not as substitute to traditional prepaid load retailing activities.
d. FAIR USAGE. All subscribers must use SPV LOADING FACILITY in its intended purpose only in order to be fair with other subscribers.
e. NO RETAILER SIM. DISTRIBUTORS must make sure that their prospective clients must not use any retailer sim to be activated in SPV SYSTEM.
f. HELP TEXTLINE. 24 hour Technical Support is part of SPVs commitment to provide best service in universal prepaid loading industry. However, only system transaction related concerns of TECHNO USERS, DISTRIBUTORS and LOADING OUTLETS shall be entertained to ensure fast assistance to those who have valid concerns. Professionalism and courtesy must be observed at all times by the subscribers. Repeat sending of messages to TEXT HELPLINE must be limited to twice only; otherwise it will affect already the efficiency of our service.

8. g. TRANSACTION SUPPORT for TECHNO USERS. DISTRIBUTORS and LOADING OUTLETS who sponsored a TECHNO USER are responsible in assisting him/her in transaction related concerns.
h. SUSPENSION. SPV Technical Team are given authority to suspend any subscription found in violation of this fair usage policy
Amendments of Policies/Legal Disputes.
a. Amendments of Policies/Adjustments of Business Plan. SPV may after reasonable notice, change/modify this agreement, the company’s policies and procedures, marketing plan and strategy to maintain a viable marketing system, comply with the legal requirements and adjust to changes in economic conditions. DISTRIBUTORS or LOADING OUTLET agree to operate in accordance with any such changes/amendments or modifications.
b. Venue for Legal Disputes. In case legal disputes arise, venue for such proceedings shall only be in Baguio City.