Validation

A Few Personal Thoughts from Orbie About The FCM Program

In A Class Of Its Own

Validation By Orbie Rivers. - I ( Orbie Rivers ) have been active in the business opportunity sector in various capacities for more than 40 years. Nothing else I have seen comes close to being as solidly-based, carefully-planned and ideally-suited to funding Affinity Groups as this program, whether for profit or nonprofit and gives me the opportunity to make this validation.

Any person or Group that considers participating in this unique program (or business opportunity, depending on the objective or orientation) should conduct personal due diligence to gain a good measure of confidence in FCM's ability to generate and deliver the funds as promised...just as I did.

• Mark C., the creative genius behind this venture, was an executive in the Credit Card Division of a major New York bank for more than 10 years.
• As such, he knew that credit card issuing banks were paying from $80 to $120 to procure a new cardholder.
• He also knew that there was little, if any, cardholder loyalty to Banks, and that many cards were either canceled or let fall into disuse within months of issuance.
• He knew that Big Banks were wasting Billion$ annually on fruitless direct mail campaigns.
• Due to his industry relationships, Mark had easy access to decision makers in a number of banks that needed a new and better way to reach cardholders and develop loyalty.
• He proposed, and several card issuing banks agreed to a pioneering referral plan whereby his newly-created firm would not only drive new card applicants to the banks, but would create something new and different... card loyalty - and do it at competitive costs to the banks.
• In order to attract card applicants, he developed a lucrative referral program designed to pay referring associates (you and me) generous one-time fees on each card issued, and ongoing swipe fees based on card usage for the indefinite future as consideration for us driving new applicants to the banks.
• After more than 3 years in development and testing, FCM launched this attractive FREE referral program in April 2005.
• FCM is now a proven, "one of a kind" and virtually unlimited opportunity - a known force, with more than 100,000 associates and nearly 66,000 activated and verified cards to its credit.
• FCM is not a "get rich quick plan," but it is structured to pay generously for consistent and focused performance - and should do so in the indefinite future.
• In just over one year of operation, some associates have built organizations of well over 10,000 teammates (over 20,000 for the best performer) - thus, demonstrating clearly that it is an attractive program for the masses, even in its infancy.

Why I believe FCM is worth YOUR serious attention...

In carefully considering every aspect of this rare opportunity, I drew upon past experiences, over a three-year period, as I sought to establish working relationships with three other firms that attempted to gain similar footholds in this $1 trillion dollar sector of the financial services industry.

• Its Principals have proven industry knowledge, experience and leadership skills...
• On balance, it is more attractive than the vast majority, if not all, traditional franchises.
• Credit card usage is on an upward spiral - no shortage of new customers.
• It is a global opportunity - and it is 100% free to participate...
• It provides cardholders incentives to remain loyal to card issuing banks.
• There is virtually no prospect of obsolescence, so long as we spend money...
• It is delivering new customers to banks and creating card loyalty for less cost than they experienced previously.
• Cardholders will never need to do anything different from what they have always done... just buy with a new or different credit or debit card.
• Cardholders, when properly informed, will eagerly refer this gem to their acquaintances in anticipation of earning referral fees from all purchases made with cards issued through our banking network, by all Associates on their 10-level teams, now and in the indefinite future.
• It offers the best opportunity ever for Affinity Groups to raise unlimited funds.
• Management has plans to introduce new products/services (in the future) to the massive cardholder database we build... where we will earn new revenues without further efforts.
• Finally, it is simply an easy decision... and everyone that takes the time to fully understand its fundamentals should join in and eagerly promote it aggressively and give their full validation.

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