The document proposes forming an investment corporation called Camaya Ventures with siblings to collectively invest 10% of their salaries over 15 years. The initial investment would be in a beachfront condo development in Mariveles, Bataan which could generate rental income. Projections estimate the investment growing to PHP 2 million by 2015 with 15% annual returns that could be reinvested or distributed. Working together in this way provides a steady retirement income for families and a support system for health and other needs.

1. Objective: To provide a steady stream of income for my close relatives, brothers and sisters in the near future

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

14. Camaya Coast

15. Project Attractions White Sand beaches Clear blue waters Not a public place For middle to upper class clients

16. There are rolling hills that offer amazing views of the South China Sea, mountains, unique cliffs and coves, enchanting waterfalls, a white sand beach and a river that cuts through the forest

22. This is what we want to INVEST A studio Php. 2.5 million Where we can use as Rest house when brothers are vacationing from abroad Have it rented during summer. Use it as a vacation house. Low priced daily rental Php. 3,000 a day

26. 15 year Projection The 50K down payment and the 8K amonth X 12 months remittance Ideally, no equity will Be given away until year 15 but this can be discussed and agreed upon

27. Time Lines Every 5 th 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 Henry March 5 To pay the down payment of 10% Henry February 28, 2010 To apply for a Business Name Shirley February 15, 2010 Open an account to Union Bank with the name of CAMAYA Ventures Corporation Jen, Jun, Shirley, Tatang, Henry January 30, 2009 To pay Php. 70,000 Henry January 15, 2009 Email this Plan to all concerned Remarks Person Responsible Deadline Actions to be Taken