Rm. 8 Mezzanine Level Maya Arcade Bldg. 678 EDSA CUBAO Quezon City 1109 Tel# 02.376.0732 02.

6682723 Mobile# 0917.6341276 Email: nutriwealthcoop@gmail.com Website: www.nutriwealthcoopcooperative.com

Your Way to Health and Wealth

BUSINESS PLAN
FOR

NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

Executive Summary Company Profile

NutriWealth is a Multi-Purpose Cooperative duly registered under the Republic Act No. 9520 at the Cooperative Development Authority. As a Multi-Purpose Cooperative Cooperative, NutriWealth focused on manufacturing products and other valuable services and projects needed by its members. It also centered on providing its members access to its savings and investments program. NutriWealth main revenue flows through from the marketing of the products produced by the members, from the services provided by the cooperative as well as with the different projects developed and implemented by our members.

Mission
To uplift the standards of living of cooperative members, helping everyone at any level of income attain financial freedom.

Vision To play a vital role in alleviating and improving the member's economic stability;
To provide comprehensive and practical approach in Financial Planning. To market the produce of members and undertake related marketing functions; To reach out and improve the ways of life of the marginalized majority through the spirit of cooperativism; To provide every members the opportunity to start their savings program To provide cheap credit access to cooperative members for them to have access to basic needs as well as the opportunity to start their own business at competitive rates To provide access to basic services like insurance, hospitalization, housing, memorial services, investment vehicles and other similar basic services.

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

Core Values
Our Cooperative focused on two (2) main values:
3 John 1:2

Dear friend, I hope ALL is WELL with you and that you are as HEALTHY in BODY as you are strong in SPIRIT.
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o FINANCIAL INTELLIGENCE Being a good steward of what God has entrusted us. We focused on two major things to attain Financial Independence How to Make More Money Deuteronomy 8:18 (NCV) but remember the LORD your God! It is he who gives you the POWER to become RICH, keeping the agreement he promised to your ancestors, as it is today.
18

How to Save More Money? Proverbs 13:11 (NIV) 11 Dishonest money dwindles away, but he who gathers money little by little makes it grow. Proverbs 13:11 (NLT) 11 Wealth from get-rich-quick schemes quickly disappears;wealth from hard work grows over time. Proverbs 13:22 (NIV) 22 A good man leaves an inheritance for his children's children, but a sinner's wealth is stored up for the righteous. o HEALTH & WELLNESS Our Healthy Lifestyle is focused on Balance Diet through Alkaline Based Products

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

Target Market and Customers We develop projects and programs focused on Health Wellness and Financial Wellness of members. This will also serve as a livelihood opportunity for everyone. Our target market will be our own Cooperative Members. We aim to recruit initial 1,000 shareholders equivalent to 300,000,000 pesos share capital. Our distribution system will be on a direct selling basis. We intend to manufacture our own products to get the best possible retailing price. We plan to distribute our products nationwide and international. Also, our Cooperative will provide on giving Financial services to our member through our Financial Education program focused on three major things: Make More Money (MMM) Save More Money (SMM) Grow More Money (GMM)

Growth Trends In This Business

NutriWealth Cooperative is a project based business which would immediately address the needs of our members. As of now, our focus is on Health Wellness and Financial Wellness. Why health? Obviously, chronic diseases is fast growing globally. And we want to help by promoting Integrative and Natural Medicine. Dr. Edwin Bien, being our Medical Director also provided us his expertise by rendering to our members some natural approach in medical procedures like Iris Analysis, Chelation, Homeopathy services and more. Dr. Bien is a licensed Medical Doctor. The next question on our direction to the business is Why Wealth? Another worsening condition in our country is lack of Financial Literacy. Most people retire broke inspite of working very hard to earn money for an average of 40 years. Our Wealth Academy Program will help provide our members Financial Directions, building wealth the right way.

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

Financing Needs NutriWealth needs an initial of Php 10,000,000.00 to cover the start-up costs in setting-up our own Manufacuring Plant which includes herbal capsules, herbal juices and more. Also, it will include our start-up capital for our Credit Services. Our expansion will include setting up manufacturing plant for bottling, cosmetic, drugs and household care with a capitalization of Php 50,000,000.00. We will also establish our Wellness Center, Alkaline Water Station, Laundry Shop, Convenience Store in every Satellite Offices.

THE PEOPLE
Its a composition of every person coming from different background with their corresponding expertise in their own field whether it be in business, medicine, accounting, engineering, etch. We intend to work as a team to ensure the success of its mission and vision.

Personal Background and Education Credentials NutriWealth Core Group Team Chairman, Mr. Jay C. Galang In 1994, he graduated Computer Management at Polytechnic University of the Philippines. Currently, he is taking Masters in Business Administration (MBA) also in the same school. He was a National Marketing Director of International Marketing Group for the last 9 years as well as Computer Teacher in the last 18 years. He is currently a Registered Financial Planner (RFP), a trainer of Wealth Academy program and a part-time Professor of De La Salle College of St. Benilde. Some of its affiliation includes member of International Affairs of Pastoral and Elder Association for Righteous Leadership (PEARL), Program Director of Citizen Crime Watch (CCW) which includes Task Force for Bantay Kurakot, member of Kasaganaan Business Fellowships (KBF) at Cathedral of Praise. He is also a Columnist of Word4U Devotional Magazine.

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

Vice-Chairman, Ms. Maria Joy Rendora She is known to be an active leader of Christ in You Church International both in Pampanga and Bulacan. She had worked as Call Center in Teletech, Manager in Greenwich Del Monte Branch in Quezon City and Supervisor at Skycom Philippines. She took up Bachelor of Science in Physical Therapy at Our Lady of Fatima University in Valenzuela City. Director, Dra. Maria Cristina Carmela De Dios She graduated Doctor of Optometry at Centro Escolar University in Mendiola Manila. Currently she is managing her own clinic at Sto. Cristo Mexico Pampanga. She is known to be an active leader of Christ in You Church International in Pampanga and Bulacan. Director, Mrs. Editha V. Mabuyo She graduated Bachelor in Office Administration at PUP Sto. Tomas Branch, Batangas City. She is a businesswoman, a fruit and vegetable dealer in Rockwell, Makati. She is also one of the Marketing Director of International Marketing Group, trainer of Wealth Academy. She is also a Program Director of Citizen Crime Watch (CCW) which includes Task Force for Bantay Kurakot. She is a church leader at Jesus is Lord (JIL) church in Tanuan City, Batangas. Director/Adviser, Ptra. Edith Pineda She had served as Church Pastor for the last 27 years. She is currently the administrator of Christ in You Faith International Ministries. She finished her college at Philippine College of Commerce with the degree of Bachelor of Science in Commerce major in Marketing. Medical Director, Dr. Edwin Bien He is the main doctor on board the health and medical oriented show, Itanong m okay Doc (every Friday 9pm DZRH teleradyo, every Sunday 11am DWIZ Am882khz). After obtaining Medical Degree in University of Sto. Tomas which entitled him to become a surgeon, he opted to take alternative medicine. He went to prominent medical institutions in the US and Malaysia to gain the knowledge and skills required to start his own practice. He belongs to Top 20 in Medical Board Exam.

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

Now, he is the consultant of Department of Health for Philippine Institute for Traditional and Alternative Health Care (PITAHC) and a visiting doctor of St. Lukes Medical Center and Holy Spirit Rehabilitation. Doc Bien is the President of LeBien Medical Group and founder of Iridology Foundation of the Philippines and a member of Philippine Medical Association, Dangerous Drug Board, National Health Federation USA, Anxiety, Insomia and Depression Association, among others. He is currently a columnist of the top local newspaper Pilipino Mirror.

NutriWealth Core Group Members: Jeriko Arador Liezl Marasigan Joy Casimo Kate Bartolome Bayani Audea Sharon Estangco Rowie Juen Ruthsan Palattao Julius Cesar Mesa Conie Aromin Bernard Canoasa Mylene Dolor Harlene Camacho Roscheck Balba - Officer in Charge Cubao Main Office - Officer In Charge Tanauan Satellite Office/Production Office - Corporate Secretary, Marketing Assistant - Treasurer - Spiritual Adviser - Marketing Assistant - Marketing Assistant - Marketing Assistant - Marketing Assistant - Bookkeeper / Marketing Assistant - Marketing Assistant - Marketing Assistant, Aqualine Healthy Living Water Station - Marketing Assistant - Marketing Assistant, Aqualine Healthy Living Water Station

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

Products
Priority Projects NutriWealth will manufacture and market Pinagpala Juice from Calabash Fruits which proves to be very high in medicinal value.

Scientific name: Cujete, Crescentia cujete, Calabash tree/Gourd. Other name: Bottle gourd, calabash gourd

This medicinal plant and gourd is cooling in nature, which has laxative, antiinflammatory, anti-tumor and analgesic effect.There are many treating ailments and maintaining good health benefits, even thought, there is not medical proof that this medicinal plant and gourd is really an anti-cancer medicinal plant, but it taken for years and found that it is really good for detoxification.

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

Health Benefits of Calabash Tree

The pulp of the fruit has medicinal properties and acts as a remedy for respiratory problems such as asthma and cough. It contains hydrocyanic acid which is considered as a purgative. The syrup prepared from the pulp is used as a medicine for relieving disorders of the chest or respiratory tract and also to cure dysentery and stomach aches. The leaves of the Calabash Tree are used to reduce blood pressure. The decoction of the tree bark is used to clean wounds and also to treat hematomas and tumors.

Calabash are small trees growing to 33 ft tall. It produces a toxic spherical fruit that grows up to 12 inches in diameter. The pulpy insides of the fruit were used, sometimes together with the leaves, in the preparation of folk medicine. They were boiled to make a syrup that was used to treat coughs, colds and bronchitis. Both the flowers and the fruits are exotically beautiful. Calabash blooms and bears fruit throughout the year. The flowers are a bright, light green, shaped delicately like bells. The flowers grow directly from the trunk or branches and open up at night. The green ball-shaped or oval, smooth fruits have a hard shell and turn brown when ripe. The seeds inside are surrounded by light-colored fruit flesh.

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

Nutrients in Calabashtree ( Data from the Internet Study) Following is a nutritional chart which gives you the amount of nutritional content present in calabash fruit.

Minerals ( Per cup)

Carbohydrate 4.7 g 0.88 g 35.09 mg 0.37 mg 249.3 mg 348.59 mg 0.03 g

Vitamins (Per cup)

Vitamin B1 thiamine) Vitamin C (Ascorbic Acid) 0.01 mg 12.43 mg

Protein Calcium Iron Potassium Sodium Fat

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

FINANCIAL PLAN FOR CALBASH JUICE PROJECT Sources and Uses of Funds and Start-up START-UP EXPENSES for Php 10,000,000 expected gross revenue for the FIRST THREE MONTHS FDA Permits/Licenses Calabash Fruit (Initial Production) Materials Equipments Brochures Advertising Office Rental Working Capital for Payroll Building and Lots Total Start-up Expenses Php 30,000 3,800,000 80,000 1,000,000 20,000 50,000 45,000 60,000 4,500,000

Php 9,585,000

SOURCES OF START-UP FUNDS Investors Shareholders Financial Assistance Bank Loans/Direct Investments from Members Total Investments Php 2,500,000 3,000,000 4,000,000 Php 9,500,000

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

FINANCIAL PROJECTIONS 2013 Sales Gross Margin Gross Margin % Direct Cost of Sale Operating Expenses Advertising/Promotion Travel Office, Inventory Payroll Expense Utilities Insurance Rent Payments Php 600,000 480,000 15,000,000 720,000 150,000 50,000 240,000 1,200,000 18,440,000 Php 8,860,000 1,000,000 600,000 25,000,000 1,200,000 300,000 100,000 480,000 1,500,000 1,000,000 40,000,000 2,400,000 600,000 200,000 720,000 Php 42,000,000 14,700,000 65% 27,300,000 2014 72,000,000 25,200,000 65% 46,800,000 2015 120,000,000 42,000,000 65% 78,000,000

Total Operating Expenses Net Income

28,680,000 18,120,000

46,420,000 31,580,000

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

Other projects includes Manufacturing of Herbal Capsules, Herbal Soaps, Alkaline Bottled Water. We will also build Wellness Center in all our Satellite Offices.

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

Marketing Plan Livelihood Program NutriWealth Multi-Purpose Cooperative aims to market every products and services to every member both locally nationwide and international. Our goal is to recruit more members by conducting various seminars to educate individuals on the importance of Healthy and Wealthy Living. We also intend to participate in different exhibits to showcase our products and services. We will conduct medical missions and other charitable works. We are also position to help people build their Wealth through our Wealth Academy program, comprehensive and practical approach in Financial Planning. Cooperative Members has two basic earning opportunities: 1. Direct Selling The first selling opportunity is sharing the product by being a valuable user thus personally promoting a healthy living lifestyle. Every cooperative Associate member enjoys average of 20% discount. When you received your orders, you will only pay the net price (gross price less 20% basic discount). The 20% discount serves as your profit. As your Share Capital Increases, your profit increases too. Products SRP Alkaline Powder 300.00 Alkaline Capsules 500mg 30s/bottle 420.00 Highly Concentrated Alkaline Drops 35ml 650.00 Pinagpala Juice 750ml 950.00 Alkaline Herbal Soap 150.00 EENT Alkaline Drops 250.00 Malunggay Capsules with E78 Minerals 6.50/capsule 30s bottle 195.00 100s bottle 625.00 Turmeric with Bioperine 14.00/capsule 30s bottle 420.00 Sambong Capsule w/ E78 Minerals 8.00/capsule 30s bottle 240.00 Lagundi Capsule w/ E78 Minerals 6.50/capsule 30s bottle 195.00 Extra Virgin Coconut Oil 200ml .00 10 in 1 Herbal Coffee 12 sachets 180.00/box Alkaline Hygiene Liquid 175.00 Alkaline Feminine Wash 175.00

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

Additional Incentives: Earning Rebates/Patronage Refund The more products you purchase and sold means higher profits and rebates. Every year, we will distribute patronage refund based on the net surplus income. Potential Monthly Income
Monthly Purchases = Php 50,000 X 25% average discount = Php 12,500 earnings This is based as additional income committing at least 1 hour of work a day. If you want to earn more, you need to increase the number of hours you will commit.

2. Outlet/Satellite Building The secret of building big business is in outlet building. Outlets are equivalent as Satellite office of the Cooperative. It gives you unlimited potential earning. The more outlets you build the more passive income you accumulate. NutriWealth Cooperative targets to open Satellite in every strategic location to spread our Misions and Visions. There should also be at least 20 shareholders in the area. It must have a place for Shareholders training. The following are the Model Set-up for Satellite offices Wellness Clinic Health and Wellness Distribution Center Alkaline Water Station Diagnostic Center Laundry Shop Other Incentive Different Incentives will be announce each month.

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

Membership Policies - Savings and Credit Facilities NutriWealth Multi-Purpose Cooperative is establish primarily to teach every members the importance of savings and investments to build their wealth.

MEMBERSHIP
1. Attend the one (1) hour Pre-Membership Education Seminar plus the Fundamental in Financial Planning seminar. 2. Fill-up Membership Application Form and submit it with 2 pcs 2x2 recent colored pictures with your name and date. 3. Pay the required amount as follows:

Membership Fee (includes wellness package worth 2,000++ pesos, free medical consultation, free seminar on financial management, 25,000 accident insurance, free carmenbees therapy session, membership ID card) Initial Share Capital Deposit Initial Regular Savings or Fixed Savings (Monthly)

2,500.00

1,000.00 40,000.00 1,000.00

Total 4,500.00 4. Commit to continuous share capital build-up. 5. Commit to continuous regular savings and health savings according to his/her capacity to save per month.

BENEFITS
Cooperative members are entitled to earn dividends on their paid-up capital, receive patronage refund on their interest payments and avail every coop products and services.

NutriWealth Multi-Purpose Cooperative

BUSINESS PLAN NUTRIWEALTH MULTI-PURPOSE COOPERATIVE

RIGHTS & DUTIES OF MEMBERS
1. Commit to contribute to sustained capital build-up through monthly contribution from monthly salary or commission deductible. 2. Patronize the Cooperative's businesses minimum of 500.00 per month. 3. Participate in parliamentary affairs like General Assembly. 4. Obey rules and regulations and policies of the Cooperative. 5. Inspect and examine financial records, and other records of the Cooperative.

FINANCIAL PROJECTIONS FROM MEMBERS SAVINGS AND CREDIT SERVICES

# of Memberships Share Capital @500 Regular/Fixed Savings @1000 Patronization of Products @500 Earnings from Loan Total July-Dec 500 1,500,000 3,000,000 1,500,000 450,000 6.450M 2014 1000 6M 12M 6M 2.4M 26.4M 2015 2000 12M 24M 12M 4.8M 52.8M 2016 4000 24M 48M 24M 9.6M 105.6M 2017 5000 30M 60M 30M 12M 132M

Summary NutriWealth Multi-Purpose Cooperative will position itself to become the best Cooperative in the Philippines. Its projects toward Health Wellness and Financial Wellness will help every members build their own wealth. NutriWealth Cooperative is position to revolutionize herbal industry, one of which is the manufacturing of Calabash Fruit with its Calabash Juice products. More than earning money, its great mission of helping a lot of people with this alternative medicine will make a difference to every family. NutriWealth Cooperative is envisioning its fast growing distribution nationwide and even international. The health condition worldwide is worsening and is in great need of herbal products that will bring hope to dreaded diseases like cancer, hypertension and diabetes. Prepared by: Mr. Jay Galang Chairman, NutriWealth Multi-Purpose Cooperative

NutriWealth Multi-Purpose Cooperative