Future-Net Coop

PMESPre-Membership Educational

Seminar

Welcome Guest and Visitor’s

www.futurenet.ph

Let’s talk about realityHow many people in the world are living on debt?

How many of these people are suffering in high interest rate of their loan?

How many of these people are benefited from their loan?

Most of the times we are borrowing from the following…

1. Collateral

2. Credit Investigation

3. Co-maker

4. High interest

5. No benefits on your loan

6. Your loan might not approve

5-6, personal credit

But why we endured this kind of system?

Poverty

It is because of…

Family

Dreams

Life

Is my efforts enough?

Am I benefited or my family benefited?

Where will be my efforts end?

How can this help me build my family’s future?

What will I do?

The question is…. Think for a thousand times…

www.futurenet.ph

Maybe this may help?

COOPERATIVE

What is 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- It is under the supervision of Cooperative principles and under RA # 9520

www.futurenet.ph

COOPERATIVE PRINCIPLES

1. Voluntary and Open Membership2. Democratic Member Control3. Member Economic Participation4. Autonomy and Independence5. Education, Training and Information6. Cooperation Among Cooperatives7. Concern For Community

What is RA # 9520

R.A. 9520PHILIPPINE

COOPERATIVECODE OF 2008

***it is a presidential decree for all cooperative

FEATURES OF COOPERATIVE

Service Oriented Community Oriented

People Oriented OWNED AND PATRONIZED BY MEMBERS

Values of Cooperative

Self-responsibility

Democracy

Equality

Equity

Solidarity

Honesty

Openness

Social responsibility

Caring for others

Membership Qualification

No individual would be members of the cooperative unless he/she is:

18 years old and above;Natural or half Filipino;Foreigner with a Filipino Citizenship;In good faith to become member of the said Cooperative;In good health ;In normal mind condition and;Attend the Pre-membership Educational Seminar

Types of Membership

A cooperative has two kinds of members: regular members and associate members

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.

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.

Know your obligation by attending PMES

Building-up a Share Capital

Patronizing the services and products of Cooperative

Following Rules and Procedures of Cooperative

Attend meetings conducted by the Cooperative

Be subjective by the FNCC by-laws and Cooperative Code

of 2008 or RA#9520

Obligations of Members

Consumer Cooperative Producers CooperativeMarketing CooperativeService CooperativeMultipurpose Cooperative

Advocacy CooperativeAgrarian Reform CooperativeCooperative BankDairy CooperativeEducation CooperativeElectric Cooperative

Financial Service Cooperative Fishermen Cooperative Health Services Cooperative Housing Cooperative Insurance Cooperative Transport Cooperative Water Service Cooperative Workers Cooperative CREDIT COOPERATIVE

Types of Cooperative

What is CREDIT COOPERATIVE?As per the Cooperative Code of 2008 RA#9520 - a credit cooperative is a financial organization owned; patronized and operated by its members with the following objectives; 1. To encourage savings among members; 2. To create a pool of such savings for which loans for productive or provident purposes may be granted to its members; and 3. To provide related services to enable its members to maximize the benefits from such loans.

WELCOME TO FUTURE-NET CREDIT

COOPERATIVE

Welcome to

FUTURE-NET CREDIT COOPERATIVE

FUTURE-NET CREDIT COOPERATIVE Established November 8, 2011

CDA Registration # 9520-16020832

www.futurenet.ph

Empowered by:

Future-net Network Marketing Association of the Philippines

SEC Registration # CN201118456

www.futurenet.ph

Future-net Common bond of interests:

“ASSOCIATIONAL”

All members of Future-Net Association (FNMAP, Inc.) can be a member of Future-Net Credit Cooperative

and vice-versa, No application to FNCC Membership will be accepted unless registered as FNMAP

member.

***Adopted legislation under RA # 9520 Chapter XV, Article 117.

Legalities:

Barangay Clearance BIR Certificate Business Permit

Future-NetMain Office

-Quezon City_

Letter from the

Chairman of the Board

Dear Friends,

I would like to thank my fellow directors for the opportunity to serve aspresident and chairman of Future-net Credit Cooperative. It is a very humbling and gratifying experience to serve such a great organization that providestremendous value to its member co-ops. I also want to express myappreciation to the entire Future-net membership for its continued support.I’m especially mindful of this as we celebrate the International Year ofthe Cooperative and as we are marking Future-net 1st anniversary in2012. The solid foundation built on the seven cooperative principles andthe stability of the co-op business model have served us well over theyear as the industry has evolved.

Change is always difficult, but to continue down a path of inefficiency is not good business. Future-net has always been a good steward of our environment and we will continue to meet all of our responsibilities. I greatly appreciate everyone’s effort and patience throughout the process.

I again want to thank Future-net operation manager and her entire staff for the outstanding job they do for our membership. Their commitment and dedication to the organization and ultimately to our member cooperatives is tremendous.

On behalf of the board, I want to express our appreciation to the entire FNCC workforce for the job

RV BARRO CALAMAYAChairman of the Board

Letter from the

Chairman of the Board

Dear Friends,

I would like to thank my fellow directors for the opportunity to serve aspresident and chairman of Future-net Credit Cooperative. It is a very humbling and gratifying experience to serve such a great organization that providestremendous value to its member co-ops. I also want to express myappreciation to the entire Future-net membership for its continued support.I’m especially mindful of this as we celebrate the International Year ofthe Cooperative and as we are marking Future-net 1st anniversary in2012. The solid foundation built on the seven cooperative principles andthe stability of the co-op business model have served us well over theyear as the industry has evolved.

Change is always difficult, but to continue down a path of inefficiency is not good business. Future-net has always been a good steward of our environment and we will continue to meet all of our responsibilities. I greatly appreciate everyone’s effort and patience throughout the process.

I again want to thank Future-net operation manager and her entire staff for the outstanding job they do for our membership. Their commitment and dedication to the organization and ultimately to our member cooperatives is tremendous.

On behalf of the board, I want to express our appreciation to the entire FNCC workforce for the job

RV BARRO CALAMAYAChairman of the Board

RV BARRO CALAMAYAChairman of the Board

Computer Science Graduate IT Consultant Former IT Developer of China

Banking Corp. Former IT Developer of Digital

Wave Inc. ENTREPRENEUR

EMT-Paramedic, CSPT, DGSV, SGCV, SSSH, MBA-Certified KSA-MOH-CSSD Committee MemberKFMC-Infection Control Sub-Committee MemberKFMC-CSSD Safety Liaison OfficerKFMC-CSSD Quality Improvement OfficerEuropean-Germany CSSD International Certified(DIN-58946-6)

MR. VIRGILIO JACKSON CASIÑARES Vice-Chairman of the Board

Office of the Administrator

Alejandro O. NavarroBoard of DirectorEntrepreneur, Network Builder

Telephone :

990.25.35 / 0939.158.3876

Office of the Administrator

Leonora B. OlivaBoard SecretaryEntrepreneur, Operation Manager

Telephone :

990.25.35 / 0939.372.6613

Office of the Administrator

Melanie B. RapalFinance DepartmentEntrepreneur

Telephone :

382.74.40 / 0908.762.7453

KEY OFFICIALS (Board of Directors)

MISSION

1. To instill cooperativism as a way of life.

2. To act as a catalyst and unifying force in the promotion, development and cooperation of cooperatives at all levels towards the improvement of the quality of life.

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.

Core Values:

Excellence, Commitment, Integrity & Teamwork.

Purpose of Future-net Credit Cooperative

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.

Membership Fee: Php1,500 (Php1,400 coop. mem. & miscelaneous + 100 association mem.)

Lifetime Privilege of Members:

www.futurenet.ph

Membership Procedure

Lifetime Member of FNMAP Lifetime Members of FNCC ID/Back Office Website plus Certificate of Membership Accidental Insurance (yearly renewable by cooperative) Future-net Kit Lifetime Benefits and Privileges

a. High interests rate of savings per annumb. High interests rate of dividend in pro-rata basisc. Loan Program traditional / fast trackd. Social Help Programe. Future-net Program to alleviate life’s standard

a. Scholarship Program for deserving membersb. Free Medical/Dental Servicesc. Medical Missionsd. Providential Assistance e. Continuous education and livelihood training programf. Housing/Car loan

Share Capital ProcedureAs per the Cooperative Code of 2008 under RA#9520, Credit Cooperative Article, every member has an obligation to pay dues for his/her SHARE CAPITAL

Required Share Capital:Php5,000

***it can be payable by staggered basis php50 weekly.

Your Share Capital will earned an interests of 6% in a pro-rata basis. The more Share Capital you invest, the bigger earnings you gain as your year end Dividend. (Share Capital may be withdraw if the member wishes so)

How-ever, patronage refund can be added also to your dividend

Savings ProcedureCredit Cooperative encourage also every member to save, not only to teach them to be thrift but to encourage them to be responsible for their Future Advancement.

Required Savings:Php5,000

***it can be payable by staggered basis php50 weekly.

Your Savings will earned a fixed interests of 6% per annum. Savings can be withdraw anytime.

Insurance Privilege

INSURANCE COVERAGE 50k Accidental Death, 50K

Dismemberment, 5k Medical Reimbursement due to

Accident5k Burial Benefits due to Accident

A help program is a system of Future-net extended for members, this includes NATURAL DEATH & CALAMITY

FUND

***qualification: at least 3 mos. Members, have 1 referraland 1,000 build up share capital Help Program includes damayan system,

members who has earnings the week incident happen to a member, Php20 will be

deducted from their income incentive.

Help Program Privilege

www.futurenet.ph

Scheme on Members Expansion

Future-net Credit Cooperative’s way of Expansion is by inviting new member, as a way of THANKSGIVING and to a way of COOP to ensure that members are diligent enough to work for the coop, we are giving away a CASH INCENTIVE instead of items just like others did.

In every person that you sponsor, Php750.00 will be given as your incentive

Inviting new members may be done by any member of Future-net Credit Cooperative who wants to earned extra incentive, however please be it known that members are

not obliged to do so.

1. Own efforts Income Privilege

- Half of your own efforts income (Php375) from 2nd and 4th direct invite will be passing up to your direct sponsor as a part of gratitude system, Php 375 will be retain to your account.

2. Pass-up Income Privilege (50% retention)

www.futurenet.ph

Level No. of Member Loan

1 5 0.50%

2 25 0.40%

3 125 0.20%

4 625 0.10%

5 3,125 0.05%

6 15,625 0.05%

7 78,125 0.05%

8 390,625 0.05%

9 1,953,125 0.05%

10 9,765,625 0.05%

LEVEL VALUE(%)

1 0.5

2 0.4

3 0.2

4 0.1

5-10 0.05

3. Loan Agent Income Privilege

www.futurenet.ph

Loan Privileges

1. Semi-Regular Loan

- When a member has reach at least Php3,000 S/C, they can loan 70% of the total amount of their build S/C , at NO CI, NO COLLATERAL and NO CO-MAKER policy.

• Loan interest will be 0.05% per month.• Penalty of 2% will be calculated from weekly payment in

case of delayed payment.• Upon releasing of loan, payment for the first week will be

automatically deducted.

Note: No CI, No Collateral and No Co-Maker policy is applicable from loan amounting of 3,000 to 20,000 pesos only, loan amount more than 20k will be needing of Collateral or Co-maker.

2. Regular Loan

- When a member has reach Php5,000 S/C, they can loan 100% of the total amount of their build S/C , at NO CI, NO COLLATERAL and NO CO-MAKER policy.

• Loan interest will be 0.05% per month.• Penalty of 2% will be calculated from weekly payment in

case of delayed payment.• Upon releasing of loan, payment for the first week will be

automatically deducted.

Note: No CI, No Collateral and No Co-Maker policy is applicable from loan amounting of 3,000 to 20,000 pesos only, loan amount more than 20k will be needing of Collateral or Co-maker

3. Fast Track Loan

-If a member will at least invites 6 new members who joined FNCC, he/she is qualified to avail the fast track loan concept of Future-net regardless if he/she has build a S/C. - UNLIMITTED LOAN can be avail in every 6 direct sponsoring.

• Loan interest will be 0.05% per month.• Penalty of 2% will be calculated from weekly payment in case of

delayed payment.• Upon releasing of loan, payment for the first week will be

automatically deducted.

Note: Re-loan amount will be depend on your paying status and your group. Upon re-loan at least 3k share capital was build.

4. Dual Loan

- A member who complete his/her S/C and has at 6 direct referral can avail the dual loan concept of Future-net Credit Cooperative. Dual loan is a combination of Regular Loan and Fast Track Loan.

• Loan interest will be 0.05% per month.• Penalty of 2% will be calculated from weekly payment in

case of delayed payment.• Upon releasing of loan, payment for the first week will be

automatically deducted.

Note: No CI, No Collateral and No Co-Maker policy is applicable from loan amounting of 3,000 to 20,000 pesos only, loan amount more than 20k will be needing of Collateral or Co-maker

Send to: SMART: 0947-773-8823GLOBE: 0917-594-3243SUN: 0923-445-6708

Please e-mail you deposit slip to [email protected] for update.

Payment Procedure

Member can deposit payment to the following affiliate company of Future-net Credit Cooperative (loan payment/savings/share capital)

Or you can pay over the counter at the main office or any accredited satellite office of Future-net Credit Cooperative.

Benefits:

P75 per paid Mem Application 5% Encashment 0.5% Loan of Tagged Application

Lock in (by Parameter area/ Municipality)

SATELLITE Panel

o Certificate of Appointment

o1M Insurance Coverage AD & Do 500,000 for Spouse & Maximum of 2

Children (7-18y/o).

o 100,000 Unprovoked Murder and assault

o 100,000 Burial Assistance Accidental Death

o Personal VTPL (Second Layer of car insurance)

P200,000.00

o Fire Assistance P 50,000.00

o Membership Forms (2 pads)

o 2pc. Provisionary Receipts

o 2 pcs. Tarpaulin ( BIG )

o 2 pcs. Tarpaulin ( SMALL )

o 40 ACTIVATION CODES X 1500/each = P60,000

REQUIREMENTS:

Letter of Intent (LOI) Barangay Clearance Existing Member Office Computer/Scanner Internet

Satellite Operator income opportunity

+ Php 5 in every entry of your direct SATELLITE sponsor

www.futurenet.ph

Finder’s fee incentive

Are you searching for someone who can help you alleviate your life status at the moment? Maybe we can help…join now and be one of us, In Future-net, we will help you invent your family’s future.

You always have a choice

Unit-C 2nd/F 167 RCB Square, CasaMilan Comml, Commonwealth Ext. North Fairview, Q.C.

Phone: 632.990.25350

Smart: 0947-7738-823Globe: 0917-5943-243 Sun: 0923-4456-708

[email protected]@gmail.com

MAIN OFFICE:

Office hours : 10AM – 8PMCut off time : 7PMMonday - Saturday

www.futurenet.ph

“THANK YOU VERY MUCH FOR YOUR TIME”