Objective: To provide a steady stream of income for my close relatives,

brothers and sisters in the near future

Situation• You are in your 30’s and even though you have stable jobs, let me ask you

if you have invested enough for yourselves sufficiently to cover for your retirement or unexpected loss of job.

• The time value of money in the bank is only at 3% per year (if you get lucky) whereas inflation rate can go as much as 4 to 6% (current inflation is at 3.2 for 2009) it means your savings of Php. 100 pesos will have the same or less value five years from now at current inflation rate.

• With the current world wide recession, you will never know if you can maintain stable work. One has to prepare for the future, not only for your children’s education, but more specially for your health and general well being. If you want to maintain your current lifestyle in the future, you have to invest at least 10 % of your current salary today in the next 15 years.

• With all the savings you accumulated in the last 15 years, at 3% (bank rate) interest per annum you are just bound to have a return of Php.18,000 a month which could be hardly to maintain your household expenses (electricity, phone, internet, food, basic clothing, shelter maintenance etc.) and if the interest is gobbled up by inflation, you can’t keep up with the rising cost of living.

• How about health? You can’t be sure that you can be well all the time. One is bound to get sick once in your productive life and when that time comes, not only you but people who cares for you are also bound to suffer.

What is the solution?

• You have to and most importantly…• You have to

But What will you invest on?

• You can invest on real estate, stock market or your own start up business

• For real estate – you have to have a big start up capital, and besides your money is locked up for so many years and you will not have liquidity when you need it. There are a lot of landed people who don’t have money.

• For stock market – it gives the highest return in the long run, at 12-15% per year average but the thing is you can’t control the stock market. Stock requires constant monitoring.

• Start your own business – owning and starting a business requires passion, commitment, time and capital investment. There will be ups and downs and during start ups, it’s more of downs than ups. Only 10% of business survive after 5 years of operation. And besides, do you have the time to engage in business as you are now gainfully employed?

How will you invest then?

• You can invest passively. It means you can keep your job and let somebody manage your investment for you.

• You need expert people to manage your investment, somebody you can trust, somebody who will protect your interest because they are close to you.

• People you need is yourself together with your brothers and sisters. Through your collective investment, you can chart the course of your investment destination

•

And Finally

• You have to invest on relationship, to your family to your relatives and to yourself. At the end, they are the support system you can rely on.

• When you die, people will not remember how good you are as a manager, planner or a strategists or an architect.

• They will remember you on how you treated them. How you relate to them and your contribution to their growth, success and happiness.

This is how much your money will grow in 15 years if you invest 10% of your current salary earning at 15% per

annum

Year 1 year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15 TOTAL

Your Age

Your Annual Income (in Peso) having 8% yearly

increase

10% Savings TOTAL

interest earned by

your capital @

15% yearly

30 2,400,000 240,000 240,000 36,000 36,000 36,000 36,000 36,000 36,000 36,000 36,000 36,000 36,000 36,000 36,000 36,000 36,000 36,000 780,000 31 2,592,000 259,200 259,200 38,880 38,880 38,880 38,880 38,880 38,880 38,880 38,880 38,880 38,880 38,880 38,880 38,880 38,880 803,520 32 2,799,360 279,936 279,936 41,990 41,990 41,990 41,990 41,990 41,990 41,990 41,990 41,990 41,990 41,990 41,990 41,990 825,811 33 3,023,309 302,331 302,331 45,350 45,350 45,350 45,350 45,350 45,350 45,350 45,350 45,350 45,350 45,350 45,350 846,526

34 3,265,174 326,517 326,517 48,978 48,978 48,978 48,978 48,978 48,978 48,978 48,978 48,978 48,978 48,978 865,271 35 3,526,387 352,639 352,639 52,896 52,896 52,896 52,896 52,896 52,896 52,896 52,896 52,896 52,896 881,597 36 3,808,498 380,850 380,850 57,127 57,127 57,127 57,127 57,127 57,127 57,127 57,127 57,127 894,997

37 4,113,178 411,318 411,318 61,698 61,698 61,698 61,698 61,698 61,698 61,698 61,698 904,899 38 4,442,233 444,223 444,223 66,633 66,633 66,633 66,633 66,633 66,633 66,633 910,658 39 4,797,611 479,761 479,761 71,964 71,964 71,964 71,964 71,964 71,964 911,546

40 5,181,420 518,142 518,142 77,721 77,721 77,721 77,721 77,721 906,748 41 5,595,934 559,593 559,593 83,939 83,939 83,939 83,939 895,349 42 6,043,608 604,361 604,361 90,654 90,654 90,654 876,323

43 6,527,097 652,710 652,710 97,906 97,906 848,523 44 7,049,265 704,926 704,926 105,739 810,665 45 7,613,206 761,321 761,321 761,321

TOTAL 7,277,828 13,723,755

If you invest with 15% return yearly on the accumulated amount, you will earn ---> 2,058,563.29 Your monthly earnings will be almost the same as your monthly salary now ----> 171,546.94

enough to keep you comfortable at age 45.

By the time you are in your mid forties, you can have an accumulated investment value of Php. 13.7 million and at 15% annual interest, you can have Php. 171K a month, which is more than the amount you need for your essential needs like kids education, water, electricity, out of country tour, internet, phone, clothes, repair and maintenance etc.

How shall we start then?

• This is an invitation to you personally..• Let us put up a corporation, a cooperative, a partnership, alliance or

whatever you want to call it. (For want of a name let’s call it Camaya Ventures and I’ll explain later on)

• The idea is to allocate 10% of our salary every month in the next 15 years and you together with your brothers and sisters pool our resources together, Let us keep the savings in our corporate bank account and invest with diligence in a well thought of business.

• There should be a quarterly reporting of our investment. You will receive a statement of what you have invested on and there is actual certificate of ownership.

• The Camaya Ventures Corporation will be registered under the Philippine Securities and Exchange commission with a legal entity, Business name, License to Operate, official receipts etc.

How are we going to do it?

• You issue 120 pieces of post dated checks that will correspond to 10 years.

• We will put them on a vault, and then collectively, deposit the money in the bank on the scheduled due dates.

• There is no required signature from you if we deposit the money. But for withdrawal, your signature should appear.

• No cash will be withdrawn, invested and spent without the approval of all investors.

Guaranteed returns

• No money will come out without the consent of all the investors.

• Our corporation will not venture into Lending practices (5% monthly or 5/6), high risk and unsure investments, multi-level marketing, drugs, prostitution etc.

• We shall maintain a high degree of ethical values, and we will operate with the interest of the customer in mind.

• Money invested is not meant to be borrowed by relatives. This venture is a serious business and everybody will be held accountable for the outcome.

What is our Objective?

• Probable returns of 12 to 15% per year after 5 years. Meaning if your personal accumulated investment is Php. 350,000 you stand to gain Php. 50,000 which you can add to your accumulated investment or cash-in on it (for your trips, hotel accomodation, food etc)

• Collectively, we are targeting a Php. 2 million value of investment by 2015 with a 15% returns, we get Php. 300,000 worth of equity which we can either reinvest (add up to the 2 million) or divide among ourselves.

OK so what is our first Venture?

• The first business venture is CAMAYA Venture that is where we get the name of our investment.

• Camaya is a beachfront real estate project in Mariveles Bataan. It is being developed similar to Boracay. Unlike Boracay, the properties have certificate of titles. Boracay and Anvaya Cove only sells time shares and rights.

• Camaya is just a 2 hour drive from Pampanga and 3 hours from Manila. The air is clean and crisp. The sand is white (similar to Boracay), the water is crystal clear. It is not an island, it has a forest, 2 waterfalls, a hiking trek, It has five star amenities.

• Kim • Jem• Jun• Alice• Tang• Ma• Shirley• Odie• Henry• Lou

Sina Doy Doy & Ruby , Ricky & Marisssa, Maybell & MichaelAre very very welcome to participate on this investment. Given their financial limitation, we can offer them a lower remittance.

We can also offer this to our closest relatives.kaya lang pag madami na ang sumasali baka magiging complicated na.

Although we can get as many units as we can.

Camaya Coast

Project Attractions

White Sand beachesClear blue watersNot a public placeFor middle to upper class clients

There are rol l ing hi l ls that offer amazing views of the South China Sea, mountains, unique cl iffs and coves, enchanting waterfalls, a white sand beach and a r iver that cuts through the forest

Amenities & Facil it ies

Outdoor Sports Mall Kayaking Diving Snorkeling Body Boarding

Adventure Trai ls• Waterfalls Discovery

Hikes (3 trails)• Corregidor tours• Nature Park Hikes• Biking Trails• Biking• ATV Trails• Camaya Buggy Tour• Cove Hopping• Banana Boat• Horse Back Trails• Fruit Farms

Indoor Sports Center at the

Clubhouse• Swimming• Tennis• Badminton• Billiards• Basketball• Volleyball• Table Tennis

Commercial Town Center & Shops

• Go bargain hunting at the Commercial town center shops.

• Lose track of time with the various entertainment activities and events.

Camaya Coasts Subdivisions and Vil las • Modern Tropical Design• Exclusive access to the clubhouse.• Majestic views of the coastline.• Gated community and 24 hour roving security.• Walking distance to the commercial center and beach area.• Accessible to nature reserves, waterfalls, hiking and biking trails. • Target Completion Date : 2010-2011

Project Features1 st Phase of Development• Approx. 70 has

a. Commercial Area b. Residential Subdivisions and Villas c. Hoteld. Sports Center e. Wellness Center and Eco Nature Parkf. Picnic Nodes

• Close proximity to 3international airports -2hrs away from NAIA, Clark and Subic

• Electricity is provided by Peninsula Electric Cooperative (PENELCO)

This is what we want to INVESTA studio Php. 2.5 millionWhere we can use asRest house when brothers are vacationing from abroadHave it rented during summer.Use it as a vacation house. Low priced daily rental Php. 3,000 a day

How do we see the future for this investment.

• By 2012 we can offer the Villa to be rented at Php. 5,000 (conservative) per day. Summer starts in March and ends in June. At 90% occupancy rate (meaning, the villa will be occupied 108 days only out of 120 days (4 months), we stand to collect Php. 540,000 in one year.

• Our monthly amortization for Camaya is only Php. 30,000 it will more than cover what we have invested for 1 year (Php. 360,000)

• Less expenses (cleaning, maintenance, repair etc) Php. 100,000 we gain Php. 180,000 which we will divide equitably.

• And we haven’t counted the July to February (8 months) yet. Such unrented periods can be scheduled for family reunions or drop discounted rents.

So how shall we start? • Let us pay Php. 250,000 (10% down payment). Before January 30, 2010:

Name Share % Share• Jun & Alice Php.50,000 20%• Ima & Tatang 50,000 20%• Jen & Kim 50,000 20%• Shirley & Odie 50,000 20%• Henry & Lou 50,000 20%• Total Php.250,000 (10.% down payment)

• Then we pay monthly (beginning February 2010)Name Share % Share• Junjun Php. 8,000 20%• Ima & Tatang 8,000 20%• Jenjen 8,000 20%• Ate shirley 8,000 20%• Henry 8,000 20%• Total 40,000

• By the way we need to pay Php. 20,000 reservation fee. To be deducted to our total down payment.

• Ask Tinapa to open you a checking account at Unionbank and deposit Php. 70,000 enough to pay for the down payment and 2 months of monthly payment.

• From thereon you have to regularly transfer money to our Camaya Venture checking account of at least Php. 8,000 a month

Projection by 2011

• By July 2011, after 18 months we should have paid Php. 250,000 (DP) + 720,000 (18 months monthly amortization).

• Each of us could have contributed Php.194K and by that time the value of our investment is increased by 20% (meaning the Php. 2.5 million investment is now worth 3 million. Our Individual investment of Php.194K would now be worth Php.232K. In my personal experience, the value of property is doubled once there is actual turnover of keys. Once the property owner hands you the key to your condo unit. Our investment could suddenly become 5 million.

• After July 2011, we can start the condo to be rented at Php. 3,000 per day and if we are lucky at 50% occupancy rate (August to December 2011) or 75 days we will generate a revenue of Php. 225,000 which is enough for 5 months rental.

• But of course, we will not stop remitting the fix amount of Php.8K a month to our Camaya Ventures account because The Camaya Beachfront condo is just the start.

• If we continue our monthly remittance to the Camaya Ventures we can buy a 2nd property (but of course that is subject to our discussion and our collective approval.

15 year Projection

Year Your Monthly

contribution X 12 months

Your yearly earnings condo

rental of php. 3K @ 40%

occupancy rate yearly

The Appreciation of Your property 20% per year

Total Value of Your

investment

Year 0 146,000 146,000

year 1 96,000 29,200 19,200 144,400 Year 2 96,000 87,600 19,200 202,800 Year 3 96,000 87,600 19,200 202,800 Year 4 96,000 87,600 19,200 202,800

Year 5 96,000 87,600 19,200 202,800 Year 6 96,000 87,600 19,200 202,800 Year 7 96,000 87,600 19,200 202,800

Year 8 96,000 87,600 19,200 202,800 Year 9 96,000 87,600 19,200 202,800 Year 10 96,000 87,600 19,200 202,800

Year 11 87,600 - 87,600 Year 12 87,600 - 87,600 Year 13 87,600 - 87,600

Year 14 87,600 - 87,600 Year 15 87,600 - 87,600 TOTAL 1,106,000 192,000 2,553,600

The 50K down payment and the 8K amonth X 12 months remittance

Ideally, no equity willBe given away until year 15 but this can be discussed and agreed upon

Time Lines

Every 5th of the month thereafter

Jun, Jen, Shirley, Tang, Henry to transfer Money c/o Camaya Ventures

Jen, Jun, Shirley, Tatang Henry

April 5 To pay the monthly fee of Php. 40K

HenryMarch 5To pay the down payment of 10%

HenryFebruary 28, 2010To apply for a Business Name

ShirleyFebruary 15, 2010Open an account to Union Bank with the name of CAMAYA Ventures Corporation

Jen, Jun, Shirley, Tatang, Henry

January 30, 2009To pay Php. 70,000

HenryJanuary 15, 2009Email this Plan to all concerned

RemarksPerson Responsible

DeadlineActions to be Taken