CLUB

1. Q:  Isn't + CLUB like any other affinity/loyalty program?

    A:  Absolutely not. + CLUB is really unlike any reward program ever even thought of. + CLUB offers immediate discounts/savings at the point of sale at thousands of locations and hundreds of different retailers, truly a universal platform, gone are the days of fumbling around for the correct reward card to use at one specific retailer. The consumer member never has to wait to accumulate points, miles or cash-back in the form of rebates. Never are there any spending minimums to be eligible for savings. There is never any coupon clipping, simply swipe or pass your + CLUB card or mobile device at check out and see the discounts instantly apply to your purchase.

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2. Q:  Additionally, how does being a "Shopping" Social Network enhance the differentiation of + CLUB form other individual companies, retailers & venues offering discounts on products?

    A:  In addition to the discounts themselves, + CLUB will allow consumer members to directly dialog with both other members & retailers via member forums & retailer / product / service comments, and importantly, request & receive specific offers on individual items from selected retailers via a unique member-initiated "LIKES" page, yes, consumer members will actually be able to request discounts on desired products from multiple retailers.

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3. Q:  If I have a reward card from a retailer, can I still use my + CLUB card?

    A:  Yes. The + CLUB software is written to be compatible with all other reward programs. If a retailer is offering a special discount  on an item larger than the + CLUB discount, that offering will override the + CLUB offering and be applied to the purchase, and vice versa. In other words, the consumer will always get the lowest price on an item without ever having to think about it.

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4. Q:  How will + CLUB initially achieve 100,000,000 members at launch, when other offerings took 8 to 10 years (if ever) to acquire such a critical mass of users?

    A:  Credit / debit card-issuing banks and associations will select and "gift" temporary + CLUB memberships to their cardholders in good standing just prior to + CLUB launch.

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5. Q:  Why will major credit / debit card-issuing banks and associations provide + CLUB with this enviable creme de la creme critical mass of user members by "gifting" 100,000,000 of their cardholders 3-month temporary + CLUB memberships at launch?

    A:  Banks will "gift" 100 million credit / debit cardholders, in good standing, 3-month + CLUB memberships, creating "goodwill" & enhancing their bank / customer relationships. Banks will receive "free" marketing of their names on the front face of the + CLUB duel-branded membership cards, in the purses & wallets of millions worldwide & and on the internet / mobile / app  (also receiving equity in + CLUB should they choose to pay for these + CLUB cards), banks will receive for 5-years 10% of the $100 annual + CLUB membership fees for their participating cardholders (following the initial "free" 3-month gifted period), will receive proportionally a portion of a 10% + CLUB IPO bank equity pool, rewarding their individual + CLUB marketing / promotional efforts over the 5-year period up to the IPO & will benefit from an enhanced use of their credit / debit cards, which can be additionally increased with incentive reward opportunities, to both hold & garner new customers.

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6. Q:  Since the + CLUB card is issued by the banks, is it also a credit card?

    A:  No. The + CLUB card is a discount access card only, opening the door to exclusive discounts that only members enjoy.

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7. Q:  How is the + CLUB program totally free for retailers?

    A:  + CLUB is a subscription based platform, a cost that lands on the consumer (unless banks want to gift the annual membership fee to their cardholders). Very different than ad-revenue based business models that charge retailers billions of dollars to blindly advertise to an unknown audience (e.g.: Facebook and Google). + CLUB realizes that + CLUB discounts are only as good as what the retailers are willing to offer. So retailers get a free ride on the + CLUB platform. That means FREE access to 100,000,000 member consumers on the online shopping portal: NO logo or name listing charges, NO advertising charges, NO key word charges, NO product or service offering charges, NO per "click" charges, NO cost-per-action charges, and NO percentage of final sales charges.

Oh yeah, did we mention the point of sale + CLUB software installation is free as well for retailers?

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8. Q:  What are some basic areas of retailers' operations that would be enhanced by + CLUB?

    A:  Retailers will be able to market, advertise, sell, track, trace & directly dialog initially with 100,000,000 "proven buyer" + CLUB members, with better consumer behavior analysis (NOT having to rely on inaccurate buyer-purchase history algorithm guesses) than presently available via other venues without violating consumer privacy issues, both online via the huge + CLUB website shopping portal & offline in brick-and-mortar store locations for "FREE".

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9. Q:  Why will + CLUB members have access to such low prices?

    A:  That is because of the collective power of 100,000,000 shoppers utilizing a common platform. With an audience that large, comprised of the creme de la creme of buyers, retailers cannot afford to skimp on offerings knowing that shoppers will quickly go to competitors who are offering their best exclusive deals.

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10. Q:  How could individual + CLUB member in-store purchases be used to help retailer loyalty?

      A:  Cash register receipts for + CLUB members will increase retailer loyalty by indicating the purchased items, the + CLUB discount savings, the total + CLUB savings to date from the individual retailer & the total + CLUB savings to date from all participating retailers for that member, which could amount to from $100s to $1,000s annually per member.

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11. Q:  Can individual retailers ever truly compete with behemoth companies like AMAZON & Walmart?

      A:  These massive corporate entities do seem to be in a league of their own, but the collective whole of all the retailers working as one on an even playing field in a common arena such as + CLUB makes the competitive task far less daunting, even tipping the balance of power in their favor.

Secondly, individual stores will also be able to become locally purchased product distribution centers (theoretically, many 1,000s across the country) with potentially 1-day, possibly "free" delivery options by retailers via a + CLUB / United States Postal Service (USPS) Grand Master Delivery Contract to reduce the affect of Amazon's 1-day "paid" Prime home-delivery option for $119 per year & Walmart's present industry-shaking suggestion of possibly offering 1-day free shipping, without requiring an annual fee.

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12. Q:  How do we get more information about the + CLUB initiative?

      A:  Please fill out the request information form on the bottom of the home page and we will respond shortly. Thank you for your time and consideration.

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