GAME MANUAL Play Pl izzel for Plash! The Pl izzel game is a l i fes tyle enhancement . Instead of wast- ing your weisure t ime with non -product ive games, t ry Pl izzel . Our Players and IMR’s are some of the most product ive people on the planet . You wil l learn real l i fe ski l ls while having fun p laying. Our social and business network uses most of the best Inter- net technology avai l - able . Have FUN and earn Plash!

TABLE OF CONTENTS

CHAPTER ONE - Weisure

CHAPTER TWO - Matr ix Man

CHAPTER THREE - Level 1

CHAPTER FOUR - Whimsters

CHAPTER FIVE - Level 2

CHAPTER SIX - Slacker Bumps

CHAPTER SEVEN - Life Coding

CHAPTER EIGHT - Level 3

CHAPTER NINE - Game Legacy

CHAPTER TEN - Flow Charts and Code

CHAPTER ELEVEN - Web Si tes , Books and Movies

OTHER INFORMATION

PLIZZEL AGREEMENTS

BIBLIOGRAPHY

INDEX

CHAPTER ONE

WEISURE

Phone Voice Games

The f i rs t phone game wil l be on the I Phone and then the other platforms wil l be de-veloped. The custom but tons below wil l direct players through the game. The game wil l be played on computers only through the Beta Test per iod. Levels 2 and 3 wil l most ly be used in the Beta Test because we need to have a core base of Pl izzel Providers .

WEISURE

The combining of work and pleasure is the new l i fes tyle that most of us have been experiencing because of modern technology and increased opportuni t ies . PLIZZEL is the opt imum use of a l l the avai lable changes combined with a Matr ix way of looking at l i fe .

Some detractors wil l t ry to label the Matr ix as a ponzi scheme or a chain le t ter but a l i t t le common sense wil l te l l you the difference and why they have a hidden agenda to perpetrate this myth. Nei ther a ponzi scheme or chain le t ter have products or services involved. Another vers ion of a useless matr ix is one that promises to payout more than comes in through the Matr ix . Just do the numbers . Make sure the company that runs the matr ix is making money and that only the income from the par t ic ipants are dis t r ibuted. Also check out the companies that provide the goods or services in the Matr ix .

There is a very def ini t ive pol i t ical reason why there is a perceived l ink between the Matr ix and the i l legi t imate schemes. The Matr ix is a pure par tnership. No at torney or bureaucrat is needed for any reason. This doesn’t give any pol i t ic ian any way to mess with individuals or businesses . The Power Triangle is rendered impotent when confronted with the Matr ix . In other words, the Matr ix is the agreement and is programmed to work the same, no matter what the par t ic ipant do within the Matr ix .

Level One wil l have two Game Matr ix Plans. A one Credi t Matr ix and a f ive Credi t Matr ix . A good example of a one Credi t service wil l be Skype monthly service to any lo-cal or in country phone cal ls . A good example of a f ive Credi t product wil l be an E-bay account for anything on E-bay. PayPal is the source of the Matr ix and is the best a t what they do to keep the integri ty of the system in place. Our game development sect ion is concentrat ing on mobile device predict ive dialer technology. The I-Phone is our pr imary target as the game console of choice. Other platforms wil l be incorporated to complete the sof tware development as soon as possible .

GAME LEVELS

PEEL ONENon-profi ts : Kids , i l lnesses and othersPol i t ical : Internat ional , Nat ional and LocalSkype and E-bayFriends, Family and Business Associates

DITS:Goods: Outside Companies and in-house productsServices: Telecommunicat ions, Software, Travel , Loans and other del iverable services

FREEDOM:Real Estate , Precious metals , other investmentsAdult s i tes , Online gambling

As shown on page -- , the I -phone but tons lend i tself to the game of Pl izzel in a very natural and logical way. Each array of but tons gives the Player many opt ions. These opt ions determine how quickly the Player masters Pl izzel . The main difference between playing this game and others is the fact that real money is used as the motivat ing factor. Students can opt to go to par ts of the game that can teach them subjects not immedi-ately needed in the game to give them a pause from playing the game. Some of the but-tons wil l be a combinat ion of game and l i fe instruct ions with special rewards and punish-ments for the players choice of direct ion. The score wil l be ref lected in Credi ts , Points and Tokens. In the future , a vers ion of the WHIM movies wil l have pr ivate showings in a special movie theater equipped with wal l screens. There wil l be small and ta l l tables and bar s tools for seat ing with a dance f loor in the middle . Everyone buying a t icket wil l have a Pl izzel enabled cel l phone. The players can do three things at the same t ime; watch a movie, dance and play Pl izzel or they can do any one or two of the act ivi t ies depending on their own individual comfort level . I f they play Pl izzel while watching the movie or dancing, the Player should be able to earn enough Credi ts to more than pay for their movie t icket . The whole movie experience should be more of an event than just the everyday run of the mil l movie. Other movies can be contracted for by the theater to keep the game going. This won’t be anything done soon, but just an example of some of the fun things that can be done. The Play Matr ix wil l take any of the Players or IMRs into the real world of fun using the Matr ix as a way to pay for a lmost any form of le isure act ivi ty. I f this is the Player ’s or the IMR’s wish, then i t should be reasonably easy to achieve through the Play Matr ix . SEE: home page of www.pl izzel .com and cl ick onto the Play Button. The Travel Matr ix wil l a lso be par t of the Weisure plan. When you can combine mak-ing money and t ravel , i t can be an exci t ing and fulf i l l ing way to spend your Weisure t ime. Players and IMRs can plan events through ei ther the Play or Travel Matr ixe’s forums. I t would be good for Players and IMRs to actual ly meet and social ize with each other. New ideas and concepts for future Pl izzel Matr ixes might evolve from shared experiences. The al ternate l i fe direct ions that can come out of a new l i fes tyle recognizing the tech-nological and social advantages of weisure wel l spent wil l spawn an eclect ic use of this special method of l iving.

The puzzle of Pl izzel or why play Pl izzel? Plash is the reason. So what is Plash? Plash is the amount of real cash that other people pay you to play Pl izzel . Why would they give you cash for Plash? To play Pl izzel . So why would they want to play Pl izzel? To get their own Plash? OH!

Star t with this quest ionnaire to f ind out how playing Pl izzel can make i t fun to earn Plash.

Choose your Matr ix Solut ion

What monthly expense would you l ike to e l iminate but keep the benefi ts?

Telephone Electr ic WaterCar Insurance Heal th Insurance Dental Insurance

Food Drink ClothingAdvert is ing Internet Other

Enter your catagoryEnter your monthly payment

What would I l ike to buy monthly with Plash instead Cash?

Vehicle Real EstateVacat ion Investments; Gold, Si lver, Stocks,

Bonds, e tc .Educat ion and Training Leisure Act ivi t ies

Loans Other

Enter your catagoryEnter your monthly payment

WHY JUST PLAY? All that energy gone to waste . Try a "One on One" high adventure real i ty game and get paid for the resul ts .

There are many t raps , t r icks , enemies and problems to solve. Each level of perfect ion gives higher rewards and new tools to make your ascension to the ul t imate pr ize , "Economic Independence"

TO START:

Hi! I 'm cal l ing you on a voice game network. Do you have t ime to play for a few minutes?

If yes . . .

Great! you can become a player and earn points that convert to cash as you get bet ter a t the game. The f i rs t thing we do is set you up a special PayPal gaming account . You can use any phone but you ' l l need an Internet connec-t ion. Do you have a connect ion?

Good! Firs t you need to regis ter. There are two ways. I can become your guide and mentor. This wil l give you a jump star t during the ini t ia l phases of the game or you can regis ter onl ine with a special sponsor ID that I ' l l g ive you. Which way would you l ike to do i t?

If they choose you as their guide and mentor, they ' l l probably want some quest ions answered l ike the fol lowing:

What kind of advantage wil l I have i f you help me? I ' l l help you go down the easiest paths to success and get you regis tered im-mediately so you can s tar t racking up points that convert to PayPal dol lars in your gaming account . You can use them for anything on the game pr ize l is t .What amount would you l ike to s tar t with? The f i rs t ten dol lars gives you double points . The doubl ing happens at var ious s tages in the game and you are a lways a winner. The t r ick is to become a bet ter and bet ter winner unt i l you are a Cert i f ied Master Player. You' l l love the f inal phase of the game. Now, how much would you l ike to s tar t with today?

If an amount is given, f i l l out the PayPal Applicat ion and choose a password and login to get your new player an off ic ia l PLAYERS ID.

If the potent ia l player wants to regis ter on their own, give them the websi te

address and your Sponsor ID and ask permission to fol low up with a cal l to see i f they have any quest ions. The websi te wil l have sect ions that include a general knowledge base that is accessible to anyone vis i t ing the s i te and special sect ions avai lable to play-ers with their Player ID only.

Some of these sect ion advance your ski l ls and a real t ime BLOG to interface wtih other players while playing. At cer ta in levels , players wil l advance to a more t rusted terr i tory and play resul ts wil l increase. A Bumper sect ion wil l add a team element to leverage your individual resul ts . A vest ing sect ion for advanced players wil l be placed in the players PayPal Game Account . Each game level wil l have i ts own code and set of instruct ions.

Life is ful l of choices . This game is about that . Your choices are the only factor important in winning. The fol lowing choices wil l determine your path to the winners c i rc le . Become a Cert i f ied Professional Organizer. Firs t you have to s tar t with yourself .

CHOOSE:

The Player, when using one of the Reverse Matr ixes wil l be in a total game mode and wil l go through a ser ies of hoops to make i t more fun and chal leng-ing. The three but tons above represent the direct ion and level of play. The mean-ing and direct ion of these but tons wil l not be divulged in this manual for obvious reasons.

CHAPTER TWO

MATRIX MAN

Understanding the Pl izzel Matr ix

The Pl izzel Matr ix is made up of var ious seasoned matr ixes and some very new and innovat ive MLM and game matr ixes . In the s tar t -up Beta tes t , i t wi l l be made up of a group of websi tes known as a Game Cloud. SEE: www.cloudancing.com. A pr ivate Game Browser is in development to host these web s i tes and any new Providers , IMR’s and Players .

The Upper Matr ix is for the t radi t ional MLM Business Structure and al lows for new and exis t ing MLM’s to be on the Game Browser. The Lower Matr ix is designed to be played from the bot tom up to eventual ly meet exis t ing MLMs in the Upper Matr ix .

Some of the new Matr ix designsare as fol lows:

Commission Schedule for Team Management Software (TMS) Subscription Sales for the Reverse Matrix

As in any sales organization, Pl izzel rewards i ts Independent Market-ing Representatives (IMRs) with f inancial incentives based on their ef-forts to sel l monthly software subscriptions, as wel l as recruit and train other marketing representatives .

PERSONAL & TEAM SALES SALES COMMISSIONS

IMR’s earn a $1 commission on LEVEL 1 $1x5 = $5 pmeach personal sale of TMS

IMR’s earn $.50 override LEVEL 2 $ .50x25 = $12.50 pm Plus level above income

IMR’s earn $.50 override LEVEL 3 $ .50x125 = $62.50 pm Plus levels above income

IMR’s earn $1 override LEVEL 4 $ .50x625 = $312.50 pm Plus levels above income

IMR’s earn $3 Bonus override LEVEL 5 $ .50x3,125 = $1,562.50 pm Plus levels above income

IMR’s earn $1 override LEVEL 6 $ .50x15,625 = $7,812.50 pm Plus levels above income

IMR’s earn $1 override LEVEL 7 $ .50x78,125 = $39,062.50 pm Plus levels above income

POTENTIAL TOTAL INCOME PER MONTH: $48,830 per Matrix

Winning Schedule for Team Management Software (TMS) Subscription Sales for the GAME Matrix PlusGaming Credits , Points and Tokens. (PLASH)

As in any organization, Pl izzel rewards i ts Independent Marketing Representatives (IMRs) with f inancial incentives based on their efforts to increase monthly software game subscriptions, as wel l as recruit and train other marketing representatives . We add another element for game players to use their weisure t ime better. (Weisure is a combination of work and leisure)

PLAYERS WINNINGS

IMR’s WINS 15 points LEVEL 1 15x5 = 75 points pm

IMR’s WINS 10 points LEVEL 2 10x25 = 250 points pm IMR’s WINS 5 points LEVEL 3 5x125 = 625 points pm IMR’s WINS 5 points LEVEL 4 5x625 = 3,125 points pm IMR’s WINS 10 points LEVEL 5 10x3,125 = 31,250 points pm IMR’s WINS 5 points LEVEL 6 5x31,250 = 156,250 points pm IMR’s WINS 5 points LEVEL 7 5x156,25 = 781,250 points pm

POTENTIAL TOTAL WINNINGS PER MONTH: 972,825 Points or 9,728.25 Credits PM per Matrix

This represents only 55% of the Credits avai lable in the Game Matrix.The other 45% is won playing the game itself .

Remember: Credits equal 1 USD, Points equal 1 US Penny and Tokens equal 1/100th of a US Penny.

Commission Schedule for Team Management Software (TMS) Subscription Sales

As in any sales organization, Pl izzel rewards i ts Independent Market-ing Representatives (IMRs) with f inancial incentives based on their ef-forts to sel l monthly software subscriptions, as wel l as recruit and train other marketing representatives .

PERSONAL & TEAM SALES SALES COMMISSIONS

IMR’s earn a $5 commission on LEVEL 1 $5x5 = $25 pmeach personal sale of TMS

IMR’s earn $3 override LEVEL 2 $3x25 = $75 pm Plus level above income

IMR’s earn $1 override LEVEL 3 $1x125 = $125 pm Plus levels above income

IMR’s earn $1 override LEVEL 4 $1x625 = $625 pm Plus levels above income

IMR’s earn $3 Bonus override LEVEL 5 $3x3,125 = $9,375 pm Plus levels above income

IMR’s earn $1 override LEVEL 6 $1x15,625 = $15,625 pm Plus levels above income

IMR’s earn $1 override LEVEL 7 $1x78,125 = $78,125 pm Plus levels above income

POTENTIAL TOTAL INCOME PER MONTH: $103,975 per Matrix

Marching Steps for New Pl izzel IMR's You only have to do two things to succeed with Pl izzel . Al low me to t ra in you and you t ra in f ive people for your down l ine. Day 1: Enrol l Pr int this page - "7 Days to Success Summary". Keep this page next to your computer as your road map to success . Over the next 6 days you wil l receive dai ly e-mails that correspond to this summary. Star t MyCyberTwin t ra ining. Day 2: Invi te and E-mail EVERYONE you know! - TODAY! To get your Pl izzel business into PROFIT, you only need to enrol l 5 new IMR's . Here is the EASIEST way to enrol l 5 new IMR's in the next 6 days. . . Day 3: Fol low-up Fol low-up with your "Tour Takers" - NOW! To see al l your tour takers , please login to your "Back Off ice" or respond to your e-mail confirmations from MyCyberTwin inquires .

I f you do not see someone you invi ted in the "Tour Takers" l is t , cal l them. Day 4: Learn Pr int and read the "Quick Star t Guide.”

Lis ten to the "Quick Star t Training Audio.” Take the tour, refresh your memory. Day 5: Personal Contacts Cal l your "Tour Takers" that have yet to JOIN - Do this NOW!

Answer their quest ions - Enrol l them on the phone - walk them through the s ign-up form. Cal l your f r iends and business contacts who have NOT taken the tour. Day 6: The Power of 5! Congratulat ions - You are now in prof i t . Cal l your new members - TODAY! Make sure they have completed the task on Day 2 - e-mail ing and cal l ing their f r iends and business contacts . Day 7: Online Market ing and Be a Leader Pr int out the FREE "Online Market ing Guide". (under construct ion)

Lead your Team by example: Visi t your "Back Off ice" dai ly. Attend t ra ining cal ls and opportuni ty cal ls . Cont inue to add to your MyCyberTwin prof i le and your “Text to Movie” product ion. Make yourself avai lable to your Team for t ra ining and support . Keep bui lding by re-crui t ing new Players .

PLIZZEL PERMISSIONS

Plizzel permissions are a method of easy sel l ing techniques that anyone can adopt. We use a combination of low pressure marketing scripts and high tech tools to make your weisure t ime more pleasant.

Cold Call Scenario:Your first step is to get by the Gatekeeper (secretary, etc.) and to get to the Decision Maker. Do not throw your pitch away by wasting it on someone that either can’t or won’t make a decision about our product. Remember, the Gatekeeper’s main function is to act as a filter and screen out unnecessary calls. Nine times out of ten the Gatekeeper’s internal decision will be TO NOT BOTHER THEIR BOSS, unless they perceive it to be of value to their boss and the company. Your first job is to break through this filter, and get past this person in order to speak directly to the one person that can make the decision. You must hit the Gatekeeper with a Fear of Loss decision designed to make them decide to let you through. That’s the only decision you want from them, nothing more and nothing less!

Here’s an example:

You Say: Hello! Who am I speaking with? Hi Brenda, my name is Mike Johnson and I’m with Plizzel... May I please speak with the person who handles your advertising or is in charge of marketing? If the Gatekeeper says: They are currently not in or they are occupied. You ask when you can call back and get in touch with them NEVER leave it in their hands to call backThe Gatekeeper Says:Can I tell him/her what it’s regarding?You Say:Absolutely Brenda! As I said, my name is Mike Johnson, and my company’s name is Plizzel. We specialize in helping companies like yours maximize the exposure of their product or service over the internet. We have a new proprietary Matrix Technology that will put your company in front of the exact demographic that your company depends on for sales and income growth. “Who would be the best person for me to speak to about this?”Once you’re on the phone with ‘Decision Maker’ you give them a quick introductory:“Hello Mr. Jones. My name is Mike Johnson, and my company’s name is Plizzel. Have you ever heard of Plizzel or the concept of Matrix Cloud Computing? (Usually no)Well, Plizzel has created a way to help all businesses get massive exposure on the internet, reach people in their local community, and attract them to their business. It’s financial goal targeted Matrix driven technology on the internet, and it’s cost effective and powerful, especially when you compare it to more traditional forms of advertising. We help your company advertise to dedicated buyers, not just shoppers, and the best thing is that these dedicated buyers are already in your market and just a click away.

This last part is necessary to explain how incredibly easy the process really is for the caller.

Start a short conversation with questions like this:

You Say: “So Let me ask you Mr. Jones, is attracting more customers a priority for you and yourbusiness?

Regardless of Yes or No ask:

How effective is your current marketing strategy?

Then You ask:

So if we could offer you a way to build your business and have other people marketing your product or service, and all the while save YOU money, and make YOU money, would that interest you?

Phrase the question as rhetorically as possible. Who doesn’t want to save money and make more money?

Bill, I know your time is just as valuable as mine, so here’s what I would like to do. Obviously, I’d be happy to explain more about this right here, but I am sure you are very busy, so I am going to send you a short 8 minute video and a PDF file that will explain most of the details. Then we can follow-up and I will answer any questions that you might have. Do you have an e-mail address?

After receiving the e-mail address, you say:

Great! I will send that out to you right now. Can I call you tomorrow at ______ after you’ve watched the video?

If Mr. Jones Says:

I am busy today.

You Say:

No problem Mr. Jones, when is the best time to reach you?

Try to emphasize you want to reach him, and not the gatekeeper again.

If they say yes, you say:

Excellent Mr. Jones! I’m looking forward to talking to you TOMORROW at ______________.Have a great day!

Plizzel State Lis tAlabama Alaska Arizona Arkansas Cal i forniaColorado Connect icut Delaware Flor ida Georgia

Hawaii Idaho Il l inois Indiana IowaKansas Kentucky Louisiana Maine Maryland

Massachuset ts Michigan Minnesota Mississ ippi MissouriMontana Nebraska Nevada New Hampshire New Jersey

New Mexico New York North Carol ina North Dekota OhioOklahoma Oregon Pennsylvania Rhode Is land South Carol ina

South Dekota Tennessee Texas Utah VermontVirginia Washington West Virginia Wisconsin Wyoming

The f i rs t project wil l be having a Matr ix s tar ted in each of the States

Send form email that is all ready to send with this link:

1. Link for Business Video: http://www.plizzel.com2. pdf for the Plizzel Game Manual

If you cannot get by the gatekeeper, simply ask for the appropriate name and e-mail address of the person in charge of marketing and then send them an introductory e-mail with the video link. BE SURE TO PUT IN THE SUBJECT LINE THAT BRENDA ASKED YOU TO CONTACT HIM/HER!

Send form email that is all ready to send with this link:Link for Businesses: 1. http://www.plizzel.com2. pdf for the Plizzel Game Manual

You should understand that we gave the customer ‘just enough’ information to become curious and then we let the ‘Experts’ (Videos) give him/her a little more explicit information. When you call back, the prospective business partner’s curiosity will definitely be way up because he/she was just able to Hear and See some very interesting things. The video is excellent. They’ll definitely want to know more!

Phone Rules

1. If they sound conflicted or busy with time offer them two definite time choices.

2. Smile on the Phone. People can tell the difference.

3. Be enthusiastic!

4. Build Rapport:- Call them by their name-Relate to them. ”I’m sure you’re as busy as I am.” Sound confident

5. Don’t use passive aggressive words like, Would you or Maybe or Could You?

6. Don’t sell your product over the first phone call! Everyone wants to see what they buy before they buy it!

7. Don’t set up appointments more than 5-7 days in advance. This gives them time to forget about who you are and what you offer.

Return Call:

Did you have a chance to take a look at the information that I sent you (yesterday) about Plizzel?

What questions did you have about how it can be applied to YOUR business?

Work with prospects to develop a solution that works for them. That way, you gain a commitment during the process.

I know that your business draws from quite a large geographical area and you can say: So it looks to me as though the Plizzel Matrix would work for you. What did you think?

I hope you can see that it makes sense to move forward. What do you think?

I don’t see any reason NOT to move forward, then, do you?

Let me ask you this Jim, now that you know everything there is to know about this, WHAT’S THE ABSOLUTE WORST THING THAT COULD HAPPEN if you went ahead with it today?

To each his own, what works best for one person will not for another. I wish there were a simple formula for selling anyone but I’ve never found one. There is absolutely nothing wrong with reviewing all the different methods.

Note: Closing Scripts; know them and use them occasionally, find what works best for you. But the bottom line, ask for the order in some shape, form, or fashion!

Be creative with your script - not one person has ever said or read word for word. Become more creative - make a script fit your personality and your speech pattern. Remembering a script - they become part of your process. You breathe air every day but not every breath is the same as the last one and you do not forget to breathe A script is a guide, one that prepares you for what the client may throw at you. A pause is a great tool. However stopping completely gives the impression to the client you are reaching and trying to figure out what to say next. Your response time is an indicator of how professional you are. I was speaking to a fellow sales technician that claimed scripts were horrible. Questions were asked of him, I saw his eyes jumping, blinking and stammering before a reply came forward. Yep, I trust that guy. Learn a few scripted responses, be creative and make them your own. You will see the benefits with being prepared. Shooting from the hip is seen by the client. When I have done my homework on a client I know the client well. I may even write down questions they are going to ask me and I am prepared to answer those questions quickly, honestly. Gather the information and finish the sale.

Final Close Over the Phone

Well Mr. Jones, I’m so glad you’re choosing the Plizzel Matrix. Now let’s find you a Matrix that suits your business best.

The rest of the conversation should be remedied as seen fit, this is to give a rough outline on how to go about selling over the phone. Remember to be enthusiastic and be positive because you’re helping them even more than they realize!

Plizzel initial e-mail after the account is activated

Thank you for enrolling as an independent sales representative with Plizzel. We are committed to providing the best products and services for our IMR’s and players and we are pleased to welcome you to our team. You now have 24-hour access to your business back-office. Here you will be able to access training materials including videos, power points and downloads. You will also have access to reports to track your sales and commissions. We also have Premium Tools available for an additional purchase. Your back-office is located at: http://backoffice.plizzel.com Username: ----------- Password: --------- You also have a personal marketing web site located at: www.plizzel.com/splitdarkmatter Please check your back-office regularly for announcements, promotions & contests as well as updated training materials.

Please PRINT THIS PAGE for your records.

Mail Management Instructions: This message is sent in compliance with the new e-mail bill: SECTION 301. Per Section 301, paragraph (A)(2)(C) of S. 1618.This message is NOT Spam as long as you are provided with a way to stop at any time, Simply e-mail back with “REMOVE” in the subject line.

This E-mail is not spam as you are member of Plizzel and you are receiving promotional information.

ONLINE MARKETING GUIDE

This guide wil l make you a professional Internet marketer in a very short per iod of t ime. All the f ree s tuff wil l be presented f i rs t . Of course, l ike everything free there is a pr ice . In this case i t i s your t ime and effor t . The solut ions that you can pay for e l iminate most of the t ime and effor t needed to succeed at onl ine market ing but never completely. You wil l have to properly set up your campaign no matter which solut ion you choose. Firs t , ident i fy what you want to accomplish and then ident i fy your target markets . For example purposes I ’ l l use the Terraf i rmat ion Pl izzel Matr ix because this wil l be in every Pl izzel Category as the individual Matr ixes are bui l t . The pr incipals wil l be pret ty much the same whether you are bui lding your advert is ing, automobile or any other Matr ix .

The do i t yourself method uses the above free technology and many other s imilar s i tes and techniques. We wil l put as many of these s i tes in the guide as possible and rate each s i te based on our experience and resul ts . Facebook, MySpace and Twit ter are probable the best known social networks. Of course, “Second Life” would be the ul t imate social network with some extra effor t put into your journey developing your Avatar and your environment . On al l of these social networks add your new cyber twin af ter you have properly t ra ined your c lone at www.mycybertwin.com. To get an idea of a good use for your twin, vis i t mine at mycybertwin.com/spl i t . The more quest ions you are asked, the fur ther your cyber twin is t ra ined. Do not t ry to sel l anything direct ly on social networks through your contact ing fr iends or any other way. Just give the basic information and le t them join i f they want to through you or on the s i te with your Player ’s ID. You can be kicked off these s i tes for using spamming methods. Try to encourage possible new Players or IMR’s but don’t get too aggressive. Remember, you wil l be helping almost anyone

that develops a Pl izzel l i fes tyle . So don’t be shy about ta lking to people about your new adventure . Each new Player or IMR you introduce to the Pl izzel Matr ix wil l br ing you closer to your object ives .

Another tool that can be used to leverage your social networking experience is the “Text to Movie” technology. SEE: www.extranormal .com This is a way of making an interest ing infomercial using a selected Avatar. You can even have two of them talking to each other. You can add some bel ls and whist les and make them even more interest ing.

U-tube is an extremely good way to showcase your Pl izzel experience. Al l of these methods are both fun and chal lenging. Your imaginat ion can do a lot of the work for you i f you present yourself properly.

Ning is a s i te that helps you with both free and commercial solut ion. Some of their featured social network tools are as fol lows:

Start selling on Ning today. Import your existing shop’s products or create a new one to share with members. Works with Cartfly, Etsy, Yahoo and C...

Use social classifieds to search for local ads, create wishlists and send virtual gifts to friends.

Create your own free radio show with BlogTalkRadio - all you need is Internet access and a phone. Use BlogTalkRadio to talk with other members

Privately share information with people inside your network. Use Huddle’s secure workspaces for storing & collaborating on files and discussions.

Search the Hulu library by title or genre, then let members watch TV and movies on your social network.

NewsShare is the best way for your network to share and rate what’s interesting online. Your members submit, rate and discuss all the new and inter...

With PollDaddy, you can display custom polls for your social network. Create your polls using our custom templates or create your own.

Support your cause through SocialGiving. Choose from registered charities in the USA, Canada, Australia and the UK, or create your own community.

Display your WordPress blog posts

A good s tar t ing place to f ind the best ready to go sof tware for your Internet contact man-agement needs can be found on the above websi tes .

Ustream brings interactive video streaming and chat services for sharing live content online.

Tired of endless e-mails and phone tag just to find a time to meet? Tungle.me makes it fast and easy to make meetings happen.

SmallWorlds is an online, 3-d virtual world where you can meet friends, play games and much more! Decorate your apartment, watch videos, listen to ...

Track mentions of your favorite terms across Twitter

Add the Shopit app to your profile and see why so many people are joining Shopit, the fastest-growing social commerce marketplace on the web.

Launch your own branded contest, sweepstakes or coupon giveaway on your Ning network within minutes.

Sell tickets to your own events right from your social network. Pay flat $1 fee per ticket, regardless of your ticket price. We support PayPal

With Cartfly, you can build your own e-commerce store and sell goods to your members. Cartfly gives you the ability to create a free store and post...Market your existing

online store or create a brand new one to sell stuff on any Ning network. Try it: It’s free !

Why a Content Management System? The subject of why you might need a CMS in the first place is the logical starting point before even considering which type of CMS you might need, but this white paper will not go into this in depth. It must be mentioned, however, that online marketing revolves around the Web and the Web revolves around content. This now makes every company’s Web site and e-mail campaign it’s most important public face, and companies that do not efficiently manage their public face get lost in the sea of marketing noise that fills the Internet today. At its most basic form a CMS is designed to create, manage, publish and retire content on a corporate Web site, but the days of a company having a single online fingerprint are over. Enterprises now offer content in ways that are most digestible by their users: through content syndication, creating multiple landing pages and microsites for online campaigns, optimizing Web properties for Search Engine Optimization, and publishing in multiple channels for mobile or RSS. The point is that a CMS is managing more than just your single Web site. It is managing your entire online presence. The access to and automation of information that a content management system provides can prove invaluable in such a scenario. Online marketing, compliance, media management and report management - an effective content management solution covers it all. No wonder then that research firm Gartner estimates that Enterprise content management adoption will grow at a compounded rate of 12.9% till 2011, by which time, over 60% of companies will have adopted at least base-level content management system.

Software-as-a-service (SaaS): Benefits without the Costs? Another type of CMS that has challenged some of the old guard of custom-built or installed solutions is SaaS. As with open source, the popularity of this model isn’t limited to just content management; in all software services sectors, SaaS solutions are expected to rise at an explosive rate, reaching a total market share of $19.3 billion by 2011, accord ing to research firm Gartner. So let’s look at why SaaS is becoming so popular: SaaS solutions eliminate the need for installed software, extra hardware or infrastructure to manage and XX maintain. This means that the costs of a SaaS solution are significantly lower than a homegrown or installed solution. Additionally, this also means that the organization does not need to dedicate significant IT resources (which in most cases it does not possess) to the maintenance of the CMS. Accessible through your Web browser, the SaaS model offers easier availability to the application for XX decentralized organizations. Dedicated support services come as part of the standard package. Unlike installed solutions that additionally XX charge for any extra services provided after the initial implementation, SaaS solutions typically come with dedicated account managers that are responsible for the account during the entire lifecycle of the account. Service delivery is guaranteed since all payments for a hosted solution are predicated upon service delivery. XX Accountability is what the entire SaaS sector is built on, because if not you can simply discontinue the service, so SaaS vendors are typically more driven to make your site successful. The solution is deployed with greater speed than either open-source or installed solutions, since every step of XX the process is fully managed by the vendor, and there are no software installations or infrastructure upgrades involved. The customer organization undertakes a much lower level of risk since solutions are purchased as services XX rather than as physical assets that could later turn into liabilities. In addition, SaaS solution customers are always on the most current version of the software, adding upgrades, patches and features at no additional cost. The level of features and functionality with SaaS solutions is the same and in most cases superior to enter XX prise-class installed solutions at a fraction of the cost.

Conclusion In choosing a content management system, the old adage of “knowledge is power” applies. Selecting the right system for your Plizzel Matrix needs requires a little homework to make sure you’re going to get what you pay for. Every Player and IMR should employ a number of strategies -- including seeking advice from vendor-neutral consultants, examining a variety of online sources for current information on content management issues, consulting performance and user-satisfaction reports released by reliable research agencies, learning from the experiences of similar organizations. We hope you found this information useful and wish you luck in your CMS search.

Special Sites for Social Networking

Cloud Contacts

Word Press Themes

Why Plizzel Action Pages?

It’s no secret that the most effective way to build your business is to share the Plizzel opportunity with

people who know, like, and trust you. Now just imagine if you had a secret weapon that could not only

turbo charge building those relationships on a massive scale, but enable other people to turn around

and share your message with their network of friends, family, and co-workers with just a few clicks of

a mouse. If this sounds like a networker’s dream come true, that’s because it is! Plizzel’s action pages

utilize cutting edge Internet marketing technology to help you rapidly turn your business into a global

money making machine.

What are Action Pages?

Plizzel Action Pages are a professional grade Internet ad creation system that gets results fast. This

system helps you to quickly build high impact landing page marketing campaigns without having

to have any knowledge of programming or graphic design. Once your Landing Page has been

created, the one click social network promotion feature makes it ridiculously easy to share the Plizzel

opportunity through popular social networks such as Facebook, Digg, Twitter, and more. You now

have a powerful way to build your organization world wide that makes it simple for your down line

to replicate, and works for you 24/7. The built in analytics reports take out the guesswork of how

effective your landing page campaign message is by telling you how many people have viewed your

ad, how often they viewed it, and even how they found it.

How to Promote Your Pages

One of the key secrets to success in any business is speed of implementation. This means that the

quicker you act on a good idea, the greater the likelihood that you will have success with it. As you

already know there is no question that the Internet is the future of this business, so get started today

with these 4 easy steps:

Click on the Sign Up Now link from the person who referred this to you.

Create a new Plizzel landing page campaign with the easy to use 6-step wizard..

Share the landing page campaign with family, friends, and associates through word of mouth, social .

networks, email, and highly targeted PPC ad campaigns.

Now teach those people to follow the 3 steps above..

Fortune 500 companies and other Internet marketing experts use landing page campaigns because

they are effective. Don’t wait another minute. Put Plizzel Action Pages to work for you right now!

CHAPTER THREE

Level 1

Competing Websi te Games

Pl izzel is the general name of the Matr ix and is a lso the name of the pr ivate browser. There wil l cont inued games featur ing future Matr ix systems. The two in development a t present are www.myvoicegames.com and www.pevege.com. A s tandard format for most games wil l have three levels and the f lowcharts that fol low wil l break down the s tandard formats . Innovat ions wil l a lso ensue as the game evolves . One general use for a l l game players on any competing games is the use of “My Cyber Twins” at www.mycybertwins.com as a market ing tool . Par t of the t ra ining at a cer ta in level should include a in house Cyber Twin that can be used in social and business net-working groups. This wil l cut down chat ter and make the player more product ive by us-ing generic responses geared to individuals personal i ty and bel iefs . In essence, the player can clone another player to help with the game and accelerate his or her progress . Some of the generic responses could look l ike this :

In the My FAQs sect ion What is a Pl izzel? Answers: 1 . Pl izzel is a money matr ix game that le ts you use your weisure t ime product ively. 2 . Pl izzel helps you have fun while solving f inancial problems. 3 . A l i fe changing game for anyone. Even kids can get a great s tar t in l i fe playing Pl iz-zel .

In the My Intros sect ion 1 . Hi! My name is _______. How are you doing today? Excel lent! Would you l ike to play a phone game? 2 . Hel lo , mr/mrs __________, how are you doing today? Excel lent! How would you l ike to play Pl izzel for Plash? 3 . Hi! Ya want to have some fun? You have a pen and paper? Great! I ’ l l g ive you a web s i te where you can make money playing a game, OK?

In the My Thoughts sect ion 1 . I ’ve had a great t ime la te ly playing Pl izzel . Have you heard about the game yet? 2 . Are you having a lot of fun in your spare t ime? Check Pl izzel out . I t ’ l l help you not get bored. 3 . I used to have f inancial problems, but guess what? I found a game that solved al l of them. Do you want to hear about i t?

In the My Quest ions sect ion 1 . Now that you’ve t r ied Pl izzel , how did you l ike i t? 2 . Wil l you le t me mentor you in the ar t of playing Pl izzel? 3 . Can I send you the “Pl izzel Game Manual”?

Another example of an al ternate game would be one for negat ive capi ta l ism. This would be in the Slacker Bump sect ion and would include things l ike porn and gambling s i tes and their negat ive approach to l i fe . Other categories would be s i tes that sel l a lcohol or tobacco. Bad heal th pract ices could also be included l ike using too much sugar, sal t or caffeine.

Phase One is the s tar t ing point for both the Players and the IMR’s. The Players usu-al ly s tar t with one of the Reverse Matr ix choices . Most of the IMR’s wil l choose a s tan-dard Matr ix to tes t the system. The preceding chart shows where most of the Players and IMR’s wil l s tar t . The game is s t ructured so that anyone can s tar t a t any point . Several Pl izzel Providers wil l be in each of Matr ixes . Terraf i rmat ion Development Company wil l be in each web s i te and Matr ix . Special bonus concepts wil l be designed when ei ther a Player or IMR gets involved with a Terraf i rmat ion project . Special generic advert is ing and market ing Pl izzel Providers wil l a lso be on each web s i te and offer a Ma-tr ix for their products or services . The main difference in Phase One is the way new Players and IMR’s are contacted and recrui ted for the Matr ixes . The t ra ining through a game puzzel that has problems to solve with consequences both posi t ive and negat ive wil l be used to motivate the Players . When each s tep is accomplished the player or IMR can move onto the next Phase. Almost any of the categories can be used in Phase One but smaller uni ts should be chosen by an inex-perienced Player. Each s tep is accomplished by complet ing the f i rs t two levels in the Matr ix and making sure each Player or IMR is properly t ra ined including the t ra ining of each Cyber Twin and Text to Movie feature . The proper placement of these features in as many social and busi-ness networks as possible should also be put in place. Once a Player or IMR is through at least three Pl izzel Matr ixes they are considered a Phase Two Player. Usual ly picking the smallest Matr ix based on the amount that is being earned per month wil l make i t easier and faster for the Player or IMR to reach Phase Two. That isn’t a lways t rue because other factors can come into play l ike personal motivat ion to solve a par t icular problem in the Players l i fe . Access to a quick source of new Play-ers for a tougher type of Matr ix can also be a factor. A good example of this would be a Real Estate Broker that became an Independent Market ing Representat ive (IMR) using the Terraf i rmat ion Matr ix . This is a $100 per month Matr ix , the largest per month uni t within the game. As a Broker this would normally be the smallest real es ta te deal that they are normally involved with so actual ly i t would be a good thing to do during the Brokers le i-sure t ime. This is a lso a great example of Weisure. To other Players or IMR’s, the Ter-raf i rmat ion Matr ix would be a l i t t le more diff icul t to deal with, but a great overal l goal toward their becoming a Grand Master in the game. I t i s highly recommended that a l l Players or IMR’s get into the Terraf i rmat ion Matr ix as soon as possible . The successful complet ion of Phase One wil l put any Player or IMR on the path to economic independence. This is a lways a subject ive concept but in the game we wil l make cer ta in assumptions. The main assumption wil l be addressed during the t ra ining per iod with the f i rs t few successful complet ions of t ra ining quizzes by the Players and IMR’s. The ser ies of quizzes wil l be an introspect ive evaluat ion of Players and IMR’s of their own needs and wants in l i fe . This wil l give them a clear direct ion and a great game plan. The successful Player or IMR wil l set their own standard of winning within the game i tself . I f the s tandard has a l ready been accomplished outs ide of the game, credi t wil l be given to promote the Player or IMR to Phase Two or Three. Some may already be at the Grand Master level . We are hoping they wil l become mentors to other Players and IMR’s. When you f i rs t get in the game there are only two things that each Player or IMR must do. Firs t , le t your sponsor t ra in you and then you t ra in a t least f ive more Players . After that you can go back to whatever you were doing or expand your use of the Pl izzel Matr ix system. The quizzes for this level are as fol lows:

PLIZZEL QUIZ

Name ten problems you would l ike to solve in your l i fe .

How much extra income would make your l i fe more comfortable?

Do you par t ic ipate in pol i t ics on any level?

Can you draw very wel l?

Can you crack your knuckles?

Have you ever fa l len out of a t ree?

Can you s tand on your hands?

What is your favori te t ime of day?

Is having fun very important to you?

Do you have big feet?

How many clones would you l ike to have?

What don’t you l ike?

Can you play Pl izzel for a t least one hour per day?

How many proteins make up the double hel ix?

Can people walk backwards very long?

Do you l ike to gamble with your t ime?

What would you name yourself , i f you could?

Which leg do you l ike crossing the most?

Would you rather lead or fol low?

I f you could f loat , would you?

Have you chosen your next Pl izzel Matr ix? Do you think plants cry?

CHAPTER FOUR

WHIMSTERS Whimsters are genetic designs used throughout the game. They are first encountered when a player logs in for the first time. The player is given a choice between three characters picked at random by the computer. This character has a name and is used for various activities during the game. An example would be the random picking of a character by the computer in a drawing to win Credits, Points and Tokens. Any player that chooses the winner will pool the resulting prize money.

HUMANARIUM PROJECT SAVING ENDANGERED SPECIES

RED LIST

WIMSTERS

The creator of the non-profi t corporat ion (Humanrium Project) is a lso the pr imary contr ibutor a t the present t ime. This donat ion consis ts of over three thousand drawings and a large col lect ion of wri t ings. They wil l a l l be avai lable for viewing by the general publ ic . Each image has both a f i rs t and las t name. Each creature is ass igned at least s ix endangered species f rom the “Red Lis t” maintained by the IUCN in Switzer land s ince 1947. There are current ly over 16,000 species on the l is t . Al l income from the l icensing of any image wil l be used to help save these species . My personal goal is to have an indi-vidual point and cl ick, black and white image for every species on the Red Lis t . Animated

movies wil l be produced using these characters on the development s i te by BWB Films. All of these movies and any pre-released vers ions wil l be avai lable for viewing and pur-chasing by vis i tors . An educat ional program wil l be developed for the publ ic . The subject mat ter wil l include drawing programs, genet ics , animation, movie making, endangered species awareness , a l ternate future housing and nature t ra i l design Pl izzel has the unl imited use of a l l the images to use in any of the Pl izzel Matr ixes . They wil l be used ini t ia l ly in the login process so that each new Player or IMR has their own genet ic design that wil l have special benefi ts as the game is played. Residue Credi ts wil l be put in a pot for extra income for Players and IMR’s that hi t cer ta in points in the game. These images can be converted to Avatars and used in role playing scenes designed by a special group of players . They can also be used for market ing the individuals’ Matr ix growth. . Think Cyber Twin with an image. The plot in WHIM is beginning to come t rue for the owner of Pl izzel . He has been accepted for the “Personal Genome Project” taking place at Harvard and sponsored by the Oppenheimer Foundat ion. He is a lso being t ra ined in bacter ia l programming. The plot centers around a group of 3 ,000 Whimsters that are genet ic designs and are brought to l i fe to help humanity solve problems. I t ’s documented with real scient is t and other profes-s ionals . The problems worked on in the screenplays are “current event” type s i tuat ions that are brought into his tor ic and universal prospect ive. In the game of Pl izzel , the Whimsters wil l most ly be used in the Reverse Matr ix to make everything more game-l ike. This is for the Players that look to this as more of a game and not f inancial planning or as a business opportuni ty l ike the IMRs. In the Reverse Matr ix there wil l have more of an animation look to the game. The sof tware program used for this is cal led “Maya” and is made by PIXAR. A game engine wil l give the animation the proper base to make everything move in a video game environ-ment to a t t ract real gamers into a money making venture l ike Pl izzel . Tournaments wil l be organized to promote this as a game sport . Social networks and game websi tes wil l be used to a t t ract fans that hopeful ly wil l become Players themselves . These wil l be t imed events with exact rules and Slacker Bump penal t ies . Special Pl izzel products for the fans wil l be made avai lable on a websi te . These could include free Pl iz-zel for a per iod of t ime or even event t ickets or products . We wil l be looking to our Pl izzel Providers to help sponsor these events . Every pro-motion wil l be aimed at a par t icular category in the game to special ize the sport . Each category wil l have a sponsoring group of Whimsters .

Games within our Game

CHAPTER FIVE

LEVEL 2

At Level 2 everyone in any of the Matr ixes are in a business mode. The game is just a way of making i t more fun for some people . At this point you are one of s ix places in the Matr ix .

1 . IMR+ is a product or service purchased plus the $25 sof tware l icense. Example: Beta tes t or iginal setup of $100 for 100 pens plus opt ion for Real Estate The monthly cost is $50 and IMR+ receives 100 pens every four months. 2 . IMR is $25 subscr ipt ion fee plus $25 for custom pens and opt ion for Real Estate This is a total monthly cost of $50 and IMR receives pens every four months. 3 . IMR Business is $25 per month for the back off ice sof tware and the r ight to par t ic ipate in the Matr ix . 4 . IMR Star ter is par t of the reverse game matr ix a t the $5 per month level and has a game account that can be converted at any t ime the account has enough in i t , to a h igher IMR level . 5 . IMR Gamer is entry level game matr ix a t $1 per month and has a game account that can be converted at any t ime the account has enough in i t , to a higher IMR level . 6 . Grand Master Mentor is a t the top of a Matr ix and is par t of the Pl izzel Market ing and t ra ining team. The Grand Master Mentor is s tar ted with $150 pm Matr ix that covers everything in that Matr ix .

Level 2 or Phase Two has a highly professional e lement added af ter a player completes Level 1 or Phase One. Level 1 players deal pr imari ly with cal ls to exempt phone cal ls f rom the “Do Not Cal l Lis t” and do this f rom there own contact l is t . Level 2 uses a pre-dict ive dialer that not only screens the numbers to make sure they aren’t on the “Do Not Cal l Lis t” but i t a lso makes i t possible to maximize the number of contacts the Player can make while playing Pl izzel . We also have professional t racking sof tware in your “Back Off ice” that is par t of your sof tware package as a player a t this level .

This is the merging point of the Upper Matr ix and the Lower Matr ix . The game play-ers and the IMR players . This level a l lows the player an extremely good chance of solv-ing most of their real l i fe f inancial chal lenges. I t i s a t this level that choices are made based on a personal “wish l is t” basis . Al l roads lead to the third level and the winning of the game. As you can see on the fol lowing l is t of categories , most of the common l i fe problems can be solved through the r ight choices being made while choosing you Pl izzel Matr ixes . We wil l add categories as the demand cal ls for them. Unique solut ions to lo-cal or small niche categories wil l a lso be added as we ident i fy each s i tuat ion for our game players and IMR’s. The use of forums, blogs and chat rooms wil l help develop each new Pl izzel solut ion on an ongoing basis .

Phase Two is general ly made up of the preceding categories but not res t r ic ted to them. A system of accomplishments is programmed into the game to bonus Players and IMR’s when they reach a cer ta in levels . False and real problems wil l be placed at different points in the Pl izzel Matr ixes . Several Pl izzel Providers wil l be in each of Matr ixes . Terraf i rmat ion Development Company wil l be in each web s i te and Matr ix . Special bonus concepts wil l be designed when ei ther a Player or IMR gets involved with a Terraf i rmat ion project . Special generic advert is ing and market ing Pl izzel Providers wil l a lso be on each web s i te and offer a Ma-tr ix for their products or services . The main difference in Phase Two is the way new Players and IMR’s are contacted and recrui ted for the Matr ixes . The general publ ic wil l be avai lable through the Pl izzel da-tabase that has the numbers screened through the “National Do Not Cal l Lis t .” This l is t wil l be put on a predict ive dialer that can be accessed by al l Players and IMR’s at anyt ime on any Internet connected device. The t ra ining wil l be through a game puzzel that has problems to solve with consequences both posi t ive and negat ive and wil l be used to mo-t ivate the Players . When each s tep is accomplished the player or IMR can move onto the next Phase. Almost any of the categories can be used in Phase Two. Each s tep is accomplished by complet ing the f i rs t two levels in the Matr ix and making sure each Player or IMR is properly t ra ined including the t ra ining of each Cyber Twin and Text to Movie feature . The proper placement of these features in as many social and busi-ness networks as possible should also be put in place. Once a Player or IMR is through at least three more Pl izzel Matr ixes they are consid-ered a Phase Three Player. Usual ly picking the smallest Matr ix based on the amount that is being earned per month wil l make i t easier and faster for the Player or IMR to reach Phase Two. That isn’t a lways t rue because other factors can come into play l ike personal motivat ion to solve a par t icular problem in the Players l i fe . Access to a quick source of new Players for a tougher type of Matr ix can also be a factor. As mentioned ear l ier a good example of this would be a Real Estate Broker that became an Independent Mar-ket ing Representat ive (IMR) using the Terraf i rmat ion Matr ix . This is a $100 per month Matrix, the largest per month uni t within the game. As a Broker this would normally be the smallest real es ta te deal that they are normally involved with so actual ly i t would be a good thing to do during the Brokers le isure t ime. This is a lso a great example of Weisure. To other Players or IMR’s, the Terraf i rmat ion Matr ix would be a l i t t le more diff icul t to deal with, but a great overal l goal toward their becoming a Grand Master in the game. I t i s highly recommended that a l l Players or IMR’s get into the Terraf i rmat ion Matr ix as soon as possible . The successful complet ion of Phase Two wil l put any Player or IMR on the path to economic independence. This is a lways a subject ive concept but in the game we wil l make cer ta in assumptions. The main assumption wil l be addressed during the t ra ining per iod with the f i rs t few successful complet ions of t ra ining quizzes by the Players and IMR’s. The ser ies of quizzes wil l be an introspect ive evaluat ion of Players and IMR’s of their own needs and wants in l i fe . This wil l give them a clear direct ion and a great game plan. The successful Player or IMR wil l set their own standard of winning within the game i tself . I f the s tandard has a l ready been accomplished outs ide of the game, credi t wil l be given to promote the Player or IMR to Phase Two or Three. Some may already be at the Grand Master level . We are hoping they wil l become mentors to other Players and IMR’s. The quizzes for this level are as fol lows:

PLIZZEL QUIZ

How many Pl izzel Matr ixes are there in the game?

Do you f ind Pl izzel easy to play?

Are your f r iends and family enjoying the game?

Which is your favori te Matr ix?

Do you get a lot of takers on your repl icated s i te?

Do you have a Pl izzel mentor yet?

Do you have any ideas about a new Pl izzel category?

Can you put any more t ime into the game?

Would you l ike to work on a special Pl izzel project?

Would you l ike an electr ic car?

Are you having any problems with Pl izzel?

Are you having fun with your “Cyber Twin” and your “Text to Movie” al ter egos?

How many l i fe problems have you solved with Pl izzel Plash?

Do you l ike the predict ive dialer?

Can you think of a bet ter way to explain the Pl izzel l i fes tyle?

Would you l ike more leads?

Would you l ike to par t ic ipate in a Pl izzel Cyber Meet ing?

Can you come to a Pl izzel event in your area?

Have you earned any Plash with your Whimster yet?

Do you l ike paying for your insurance this way?

Is there a par t icular product you would l ike to see in a Pl izzel Matr ix?

Would you consider doing a Pl izzel Plug?

CHAPTER SIX

SLACKER BUMPS

Slacker Bumps are l ike demeri ts or penal ty points . Sometimes they just make a player repeat something and other t imes a player losses Credi ts , Points or Tokens into the gen-eral fund for drawings by al l the players . An example of that would be when a player doesn’t play for a per iod of t ime. The point of Slacker Bumps is to t ra in a player to have bet ter l i fe ski l ls . Hopeful ly, the player wil l apply game solut ions to their own way of approaching l i fe in general . There wil l be t raps set to catch them in inact ion or lazy thinking. There wil l be motiva-t ional encouragement in some of these features to help minimize the Bumps encountered by the player. They wil l learn how to turn the negat ive into the posi t ive. Advanced Legacy Players wil l be requested to mentor Slackers with special blogs, chat rooms and video sessions that can be used by players to help understand and be more mo-t ivated to get bet ter a t playing Pl izzel . I f this works properly, each player can reach the Legacy Level and pass on their own version of the game. The game is a personal growth exercise that a lmost anyone would benefi t f rom. A bibl iography of books wil l be offered to help the players that want to overcome some of the shortcomings of Slackerism. A whole genre of Slacker Games can be designed and pr izes given to the most in-novat ive designs. Of course, the designers would loose their Slacker credent ia ls i f they worked that hard. Some of my Whimsters wil l be assigned to the worst Slackers to oversee their prog-ress . A reminder Avatar wil l jump in and remind them of cer ta in problems they are about to have i f they don’t take act ion to avoid the bumps. Slacker Bumps include going to s i tes that promote negat ive capi ta l ism. These catego-r ies include some of the most successful , f rom a money point of view, that the Internet has to offer. The adul t enter ta inment and gambling industr ies are the pr imary examples but there are many other business web s i tes that pract ice negat ive capi ta l ism. Next on the obvious l is t would be s i tes that market a lcohol and tobacco. And who hasn’t run into scams of one sor t or another on the Internet . Al l of this wil l be featured in the Slacker Bump sect ion of the game. Sometimes a reward rather than a penal ty wil l come into play i f someone f inds a new scam and reports i t to the other game players . By having the game i tself on a pr ivate browser a lot of these problems wil l be el imi-nated for our players and IMR’s. We wil l have an outs ide web s i te to inform and aler t non players i f anything s ignif icant is found by our players . A point system for penal t ies and rewards wil l be developed and ref ined as the game progresses . IMR’s aren’t subject to Slacker Bumps. They are ful ly t ra ined by their men-tors in the Matr ix . The IMR’s can develop their Matr ix using this t ra ining method with skept ical or uninformed people . We wil l bui ld a generic Cyber Twin to help prol i ferate the t ra ining because on a game level basis , the t ime versus gain rat io isn’t worthwhile for a t ra ined IMR. These Cyber Twins wil l be age and cul ture sensi t ive. SEE: www.mycybertwin.com Another Avatar system cal led “a text- to-movie” s i te a t www.xtranormal .com wil l be developed for anyt ime t ra ining, service and sales . As many good motivat ional books as possible wil l be done in this format to help s lackers get re l ief f rom their mind set . I f a player looses a l l their Plash, they wil l be given other chances to cont inue playing. Like l i fe i tself , you are never a t rue loser unt i l you give up.

The most common Slacker Bump wil l be f rom inact ivi ty by a Player or IMR. I t i s very important that the f i rs t f ive members in your Matr ix are properly t ra ined and that they in turn have found f ive new Players or IMR’s for their Matr ix . Usual ly, several of your ini t ia l Players or IMR’s won’t get off to a good s tar t . I f they fal ter for a per iod over 60 days from their s tar t date a Slacker Bump penal ty wil l be imposed on them and they wil l be moved down a level in the Matr ix . I f you are s t r iving to be a Grand Master Exul ted Mentor you wil l have al l of the Pl iz-zel Matr ixes in your system and the Slacker Bump Players and IMR’s wil l be a good place to use your ski l ls to help al l of your Players and IMR’s succeed. Each t ime someone is dormant 60 days they move down a level in their Matr ix unt i l they are on the bot tom lev-el . The Players and IMR’s wil l never lose a place in the Matr ix as long as they are using Pl izzel sof tware but room has to be made for the product ive Players and IMR’s. Another way to get Slacker Bumps would be to go down false paths . Some of these wil l be set up as a method of teaching negat ive capi ta l ism and the Player or IMR wil l be tempted to make a quick buck. Repeat ing this mistake wil l accelerate the number of Slacker Bumps issued by Pl izzel . Stopping this process is easy. Just don’t do i t again. Another type of Slacker Bump is a s i tuat ion that breeds negat ivi ty in the forums and chat rooms. Complaining about e lements in the game instead of seeking help in solving any problem can sometimes resul t in Slacker Bump deduct ions. A s incere cry for help is encouraged, but a constant harping on problems that can easi ly be solved with a l i t t le help or effor t on the Player ’s or IMR’s par t wil l const i tute Slacker Bump possibi l i t ies . One of the worst Slacker Bumps is when a IMR, qual i f ied for the predict ive dialer usage, receives a Slacker Bump that revokes the usage of the predict ive dialer unt i l the Bump is removed.

CHAPTER SEVEN

LIFE CODING

FINANCIAL PLANNING Anytime leverage and other peoples money can be used to fur ther a f inancial endeavor, there are much bet ter resul ts . The designer of Pl izzel is a former f inancial planner and Real Estate Broker. As a computer programmer he envis ioned a new and bet ter way to accomplish f inancial f reedom using the Pl izzel pr incipals . By breaking down l i fe’s f inan-cial obstacles into categories and designing a Matr ix and reverse Matr ix to f i t each prob-lem, Pl izzel can show anyone how to become f inancial ly self suff ic ient in a very short t ime. This system uses common sense and logic and has no pol i t ical axe to gr ind. I t i s in the use of new Internet technology that this method works so wel l . I t only takes an un-derstanding of how the var ious Matr ixes work to be able to secure your f inancial future .

I f you were to go to a f inancial planner, the expert would f i rs t gather information about what you are current ly doing with your money and your current income and f ind out what you want to accomplish during your l i fe t ime. This includes your assets and debts . Many of these f inancial planners are merely l i fe insurance agents t rying to sel l you whole l i fe or some var iance of this product . While l i fe insurance can be an important factor in a small port ion of the populat ion, i t i s most ly just a s tar t ing point when no other is made avai lable . This is the negat ive s ide of the equat ion.

On the posi t ive s ide of planning, put t ing your money and your t ime to work to get you to where you want to be is much more important . With a small amount of t ra ining and focused energy, a l l of your f inancial goals can be made real using Matr ix leverage and the Pl izzel game.

Usual ly, a f inancial planner wil l have you invest in e i ther real es ta te or s tocks and bonds for long term resul ts . This is a l l wel l and good, but there are other factors that make this s imple form of invest ing more accessible to anyone. By using your choices of Pl izzel Matr ixes to solve one element of your l i fe a t a t ime, i t wouldn’t be long before a l l of you effor ts can be used for bui lding future weal th that grows and grows as t ime goes by. Think of your Pl izzel Plan l ike a mutual fund that you own and control . The s i tua-t ions are l ike individual s tocks in a mutual fund. Diversi fy l ike you would in any good plan for s tock and bonds. Remove as much r isk and you can but s t i l l g ive yourself a chance to win big with some of the more adventurous Pl izzel Projects .

A good example of a higher r isk Matr ix would be the Terraf i rmat ion Developments in every Matr ix . While most of the Pl izzel Matr ixes take care of a specif ic category and a f ixed amount to get the resul ts that would las t forever, the Terraf i rmat ion Developments come with no such guarantee but each project can be evaluated using common sense and some s imple math.

The Terraf i rmat ion projects wil l take on different real es ta te solut ions as the Pl izzel world grows. SEE: “Creat ive Real Estate for a Bad Market” by: Barry Bowdidge (PDF)

Life Coding has to do with adapt ing your l i fe to solve f inancial problems using the game.

What monthly expense would you l ike to e l iminate but keep the benefi ts?CATEGORIES AND BUTTONS

Telephone Electr ic WaterDental Heal th AutomobilesFood Drink Clothing

Advert is ing Internet Real Estate

The above but tons are pr imari ly for Phase I and Phase II but in some cases they can be carr ied over to Phase III . At each Level there is a basic requirement to successful ly com-plete that Level . Each Player or IMR sets their own goals of achievement before s tar t ing the quest of achievement . How well they accomplish this task determines their ra te of ascension to the next Phase.

The Grand Master Phase (Phase III) pr imari ly uses the fol lowing categories . In some cases , lef t over categories f rom Phase I and Phase II may be par t of the solut ion for the prospect ive Grand Master. Each l i fe code plan is different depending on the Player or IMR’s needs at the t ime.

Equipment Real EstateVacat ion Investments; Gold, Si lver, Stocks,

Bonds, e tc .Educat ion and Training Leisure Act ivi t ies

Loans Other

What would I l ike to buy monthly with Plash instead Cash?

Each of these represent a different Matr ix but a l l of them can be accomplished by playing the game r ight . This wil l customize the way players and IMR’s use the Pl izzel Matr ix . I t a lso wil l te l l us some market ing facts to make sure we keep up with the real l i fe demands on the Matr ix . For business owners or future entrepreneurs , the Pl izzel Ma-tr ix s ta t is t ics could be very helpful for decis ion making. We wil l make these avai lable to a l l players and IMR’s as one of the benefi ts .

As more Pl izzel Matr ix systems are developed this port ion of the game wil l become even more important . One of the f i rs t things that should be pointed out during t ra ining is the importance of this par t of the game. An e-mail containing a quest ionnaire to prospec-t ive and new players should be par t of every campaign and repeated unt i l a c lear game plan has been establ ished by each new player and IMR. Pl izzel wil l be developing this kind of form to use in a l l of your correspondence with prospect ive and new players and IMR’s.

Using an already establ ished concept , mycybertwin.com, your personal goals and l i fe coding can be put to a pract ical use. The funny par t wil l come when there are so many cyber twins in the social and business networks that they wil l s tar t ta lking to each other in a Pl izzely kind of way. What is Google and Bing going to do about that? Probably send everyone off to Yahoo!

We wil l develop a suggest ion sect ion where players and IMR’s can request help in designing the Matr ix solut ions to best help them succeed with their l i fe coding. Similar individuals can be matched up as Pl izzel teams. A Pl izzel leader can be chosen to make sure these groups win and get f i rmly into the Legacy sect ion of the game.

After the e-mail is sent to ver i fy that the Player or IMR is ready to move onto Level 3 , a special t ra ining session in the Pl izzel Matr ix chosen by the new Level 3 player wil l be offered.

The special t ra ining session wil l teach Players and IMR’s how to counci l their down l ine or any prospect ive Pl izzel Player or IMR. While this technique is s imilar to l icensedfinancial planners , i t i s only in form and intent . We don’t sel l any products or services that require any kind of l icense. This is Pl izzel Matr ix t ra ining only. In other words, how to use the sof tware in the best way to accomplish f inancial goals .

We’l l use a s tandard comparison chart to show how a f inancial planner would evalu-ate a persons’ s i tuat ion and then compare i t wi th the Pl izzel Way. I t ’s best to do both to cover a l l your bases .

Some of the categories wil l have self-help features that require special act ions by the Player or IMR to complete the process of winning in this category. A great example of that would be the “Heal th” category. In the heal th category, a Player or IMR wil l use a $100 Matr ix , assuming relat ively good heal th of the Player or IMR. A port ion of the Ma-t r ix wil l go to catastrophic coverage and a pre-paid medical plan but another par t goes to preventat ive heal th measures . These measures of ten require act ions and fol low up by the Player or IMR. More to encourage rather than punish them, we have a reminder feature that helps keep them on t rack.

The “Educat ion” category has many features that are included. In this category there

are several Matr ix choices ranging from $25 to $100 per month. The basic Matr ix is the Pl izzel sof tware only at $25 per month. With this sof tware, not only wil l there be the regular back off ice features but Pl izzel in cooperat ion with the Humanarium Project wil l research al l the information needed to help enhance the s tudent Player or IMR’s educa-t ional process . This wil l include some of the fol lowing projects :

1 . SAT and ACT prep courses .

2 . Scholarship information.

3 . Free or discounted school books. SEE: www.flatworldknowledge.org

4 . Free or inexpensive on-l ine courses .

The larger Matr ixes wil l be for actual costs re la ted to the Player or IMR’s personal goals for their individual school plans.

The Advert is ing Matr ix is another category l ike the Terraf i rmat ion Land Matr ix that wil l be included in every Matr ix . The reason they are included in every Matr ix is they are a “Primary Provider” because of the generic nature of their category. Every Player and IMR can use their services to promote their place in the Matr ix . SEE: Online Mar-ket ing Guide PDF.

Some of the sect ions of this Matr ix are as fol lows:

1 . Advert is ing Special t ies - American Graphics

2 . Onl ine Advert is ing - Local Ad Link

3 . SEO tecnologies - Local Ad l ink

4 . Newspapers and Magizines

5 . Radio and TV

6. Internat ional Market ing The Telephone Matr ix wil l have competing Pl izzel Providers for the Players and IMR’s to choose from in the Matr ix . Custom monthly payment plans wil l be designed to con-form to the Telephone industr ies ever changing market ing procedures . This wil l be an in-tegral par t of a winning s t ra tegy for the Players and IMRs. This Matr ix should be one of the f i rs t areas of effor t for a l l Players and IMRs because i t pays for one of the main tools used for the Pl izzel Game. This is a lso an obvious l i fe code need for everyone.

A special area for the Phase I and Phase II Players and IMRs wil l be the predict ive dialer feature that comes automatical ly to the Phase III , and Grand Master Players and IMR’. This wil l be an “Add On” feature for the t ruly dedicated Players and IMRs. Due to i t ’s costs and the unpredictable usage by ear ly adopters of the Pl izzel Game, i t i s im-portant that we have this avai lable as an incent ive tool . Usual ly, i t wi l l be very easy for

any Player or IMR to put enough new Players or IMR’s into this Matr ix to cover a l l future costs of the service. A predict ive dialer is the ul t imate t ime saver when using Telephony technology to advance in any Pl izzel Matr ix . Custom cal l l is ts are avai lable in every cat-egory to help you advance in any Matr ix you are working on at the t ime. I t a lso makes i t possible to switch Matr ixes to make i t less tedious. You don’t have to ta lk about the same thing al l the t ime. Phone scr ipts wil l be avai lable to enhance the experience for you.

The Internet Pl izzel Matr ix is another infrastructure category that is needed to play Pl izzel successful ly but everyone seems to be connected nowadays already. For this rea-son, a lot of t imes this Matr ix is used to reduce the Player ’s or IMR’s exis t ing expenses , but i t i s a lso a major expense when playing Pl izzel . Here are some of the areas covered by this Matr ix:

1 . Internet connect ion

2 . Internet host ing

3 . SEO Market ing

4 . Design and Programming

The Automobile Matr ix is a must do category for most Players and IMRs. There are many var ia t ions and opportuni t ies in this Matr ix . A new or used car down payment sav-ings account that automatical ly qual i f ies a future purchase wil l probably be the most popular Matr ix .

An auto insurance feature wil l be developed, but due to the var iable nature of premi-ums a s ta t ic Matr ix wil l not work. A var iable Matr ix has been designed for this and other s i tuat ions that cal l for an adjustable payment format .

Auto repairs wil l be done with a special reserve account based on s ta t is t ical informa-t ion on probable car problems.

The Dental Matr ix wil l be for both future and exis t ing dental problems. For the ex-is t ing problems a s ta t ic Matr ix wil l be used to accumulate the amount needed to cure the condi t ion. This should cont inue as a reserve dental insurance account for future use. A family plan should be considered when using this Matr ix opt ion.

Dental products wil l a lso be included in this Matr ix .

The Water Matr ix , wil l for the moment , deal with dr inking water only. While this doesn’t seem l ike much of a problem, any i tem that effects your monthly budget is a fac-tor in f inancial planning. Drinking water is an ongoing expense and should be deal t with in that fashion. Some of the new technology actual ly takes water out of the air with a devise that looks l ike a fancy water cooler. SEE: www.air2water.net

This is best done with the Electr ic Matr ix using solar vol ta ic systems. SEE: www.quantasol .com.

In the future there are a l l kinds of new technologies that could br ing this category into the general use of water, f i rs t domest ical ly and then perhaps commercial ly. This is an area that Pl izzel management wil l be fol lowing as things progress in both science and technology. We wil l t ry to get into the market ing par t of the program as soon as possible .

The Drink Matr ix differs f rom the Water Matr ix in that i t covers a l l the other dr inks that we consume except for a lcohol . Alcohol is a Slacker Bump category. The dr inks we wil l be paying the most a t tent ion to are heal th or iented beverages. The problems are two fold, the qual i ty of the products and the pr ice . In other words, the value of the products wil l have to be closely monitored by the Pl izzel management team and the Players and IMRs. Helping us f ind the best Drinks out there wil l give Players and IMRs bonus points in the game.

The Food Matr ix wil l be handled with gif t cer t i f icates for the markets l is ted on the si te . The Matr ix i tself can be as small as $25 per month or as large as $100 per week. Mult iple Players or IMRs in a family can even increase this amount unt i l you hi t your ac-tual budget amount for the month. Here is a l is t of par t ic ipat ing markets :

The Clothing Matr ix wil l be handled with gif t cer t i f icates for the s tores l is ted on the si te . The Matr ix i tself can be as small as $25 per month or as large as $100 per week. Mult iple Players or IMRs in a family can even increase this amount unt i l you hi t your ac-tual budget amount for the month. Here is a l is t of par t ic ipat ing s tores:

The Equipment Matr ix is a more advanced Matr ix that can be handled several ways. The gif t cer t i f icate method could apply i f i t i s known in advance the normal monthly bud-get and the specif ic types of equipment needed. The other method would be an account based on est imated amounts budgeted on an annual amount without knowing exact ly what equipment would be needed. Cert i f icates or cash withdrawal f rom the Player ’s or IMR’s e-wal le t can be used to solve this budget problem.

The Vacat ion Matr ix is a luxury Matr ix that should be one of the las t Matr ixes planned for when set t ing up your l i fe code plan. Doing this too ear ly can cost the Player or IMR some Slacker Bumps.

We are constant ly researching the best deals for vacat ions in the most requested places and we wil l post these to anyone’s e-mail address that is in this Matr ix . This wil l be one of the most customized Matr ixes in the Pl izzel system.

The Money or Investment Matr ix wil l pr imari ly be for the Grand Masters in the Game. I t i s best to have al l your expenses covered before you venture into this area. The “Pru-dent Man Rule” wil l be fol lowed when recommending any investment or savings vehicle in this Matr ix . Only af ter the Grand Master has a t ta ined a cer ta in level of success wil l unnecessary r isks be advised. We’l l t ry to promote real professionals into the system to mentor the new Players and IMRs about their investment s t ra tegies both inside and out-s ide the Pl izzel Game.

Products can be developed that don’t require l icenses and the management of Pl izzel can hire professional f inancial planners with the proper l icenses to offer in house prod-ucts . The legal ramif icat ions of this category wil l have to be careful ly monitored by the Pl izzel Management team to assure compliance with the many State , Federal and Interna-t ional laws.

The Play Matr ix includes everything you do with your le isure t ime and some things that you would l ike to t ry. The best thing to do with this category is to t ry to work out a monthly or year ly budget that you would l ike to maintain. At this level in the Pl izzel game we can customize cer ta in features to a l low the maximum benefi ts to our Players and IMRs. A good example of that would be the fol lowing:

Type of act ivi ty:

Cost of act ivi ty ;

Frequency of act ivi ty:

Total Monthly Costs :

Total Monthly Matr ix requirement:

At this point in the Pl izzel game you can ei ther set the proper Matr ix amount up through the Contact Information on the Pl izzel Browser or web s i te . I t i s a lso a good idea to get advice from your ass igned Grand Master.

The Loan Matr ix is a special ized area in the Pl izzel Game. Loans can be obtained direct ly or f rom third par ty sources . A lot of t imes the information provided the Players and IMRs is more important than set t ing up a separate Matr ix . Al though, once a payment amount is determined, a Mart ix amount can be establ ished. This amount , unless i t i s a house loan, is put in the Player ’s or IMR’s e-wal le t . From there , the payment can auto-matical ly be set up to make the payments on an outs ide loan.

The Electr ic Matr ix is based on al ternate energy technologies . This is pr imari ly for the pr ivate use of solar vol ta ic cel ls . The company below is one of the newest innovators of inexpensive solar cel ls . There are many others that we wil l keep researching to f ind the best possible solut ions for the Players and IMR’s.

The Other Matr ix covers custom Matr ixes requested in our counsel ing or chat forums. I t a lso covers any non prof i ts that Players or IMRs would l ike to par t ic ipate in with their contr ibut ions.

EXAMPLES OF PLIZZELFINANCIAL PLANNING BENEFITS

Each example is for a cross sect ion based on demographics . The f i rs t group of people using Pl izzel Planning are the f i rs t t ime planners . This isn’t any par t icular age group but the younger a Player is the bet ter. Time is a very important factor in any f inancial plan. For the fun of i t and because this is a game, I ’ l l s tar t with a 12 year old gamer that just wants to t ry something new. This Player would s tar t with the One Credi t Reverse Matr ix and would automatical ly have an e-Wallet to keep t rack of the resul ts . The Player would get to the Five Credi t Reverse Matr ix within the f i rs t seven days i f the Player fol-lowed the “Marching Orders” and learns how to get new Players into Pl izzel . This s tage would be completed within the next seven days and the Player would be set to become an Independent Market ing Representat ive (IMR) in the Upper Pl izzel Matr ix .

At this point , the Player enters the real world of f inancial planning. There are cur-rent ly twenty categories with individual Pl izzel Matr ixes for the new IMR to pick from to advance to the next level . At this point a Grand Master Mentor wil l capture this new IMR at the bot tom of one of his or her Matr ixes and the Player wil l get addi t ional t ips f rom his or her newly assigned Grand Master.

The “Real Estate Matr ix” wil l be in every matr ix that the new IMR chooses to conquer in the quest for f inancial f reedom. The Grand Master Mentor wil l advise the new IMR to use the residual income from addi t ion Player s ign-ups as soon as possible . After the IMR has at least $150 in monthly residual income, the Player should pick the real es ta te .

Obviously, a t this ear ly age most of the categories are a l ready taken care of by the chi ld’s parents . This wil l be an extremely good l i fe lesson for someone that understands the importance of f inancial planning for their future . The categories that would be most important for this s i tuat ion would be educat ion, housing, t ransportat ion and clothing. I f the chi ld uses their weisure t ime (game playing t ime) i t could be the s ingle most impor-tant contr ibut ing factor to their future success .

Most young adul ts don’t s tar t thinking in these terms unt i l af ter they have got ten mar-r ied and have chi ldren. There is s t i l l p lenty of t ime but they should s tar t a t the IMR or Grand Master level when they join Pl izzel . Al l they need to do is learn how to use the var ious Pl izzel Matr ixes to power into the future with a great f inancial plan.

For more mature new Players and IMR’s there wil l be al l kinds of different scenarios that can be imagined. The residual income and the real es ta te features wil l a t t ract the al ready successful Players and IMR’s. This wil l just add to their weal th and securi ty. We need them most ly as Grand Master Mentors for the young and the new family Players and IMR’s.

One of the most interest ing par ts of this game wil l be the resul ts of Mentoring by the Grand Masters . Pl izzel wil l give rewards and honors to these entrepreneurs for their help.

CHAPTER EIGHT

LEVEL 3

Level 3 is the “Grand Master” mode of Pl izzel

Like Phase Two, Phase Three is general ly made up of the preceding categories but not res t r ic ted to them. A system of accomplishments is programmed into the game to bo-nus Players and IMR’s when they reach a cer ta in levels . False and real problems wil l be placed at different points in the Pl izzel Matr ixes . Some special Pl izzel Providers wil l be in each of Matr ixes . Terraf i rmat ion Devel-opment Company wil l be in each web s i te and Matr ix . An educat ional web s i te cal led “www.flatear thknowledge.com” wil l be featured on al l Pl izzel s i tes . Special bonus con-cepts wil l be designed when ei ther a Player or IMR gets involved with a Terraf i rmat ion project . Special generic advert is ing and market ing Pl izzel Providers wil l a lso be on each web s i te and offer a Matr ix for their products or services . Each s tep is accomplished by complet ing the f i rs t two levels in the Matr ix and making sure each Player or IMR is properly t ra ined including the retraining of each Cyber Twin and Text to Movie feature . The proper placement of these features in as many social and business networks as possible should also be put in place. The successful Player or IMR wil l set their own standard of winning within the game i tself . I f the s tandard has a l ready been accomplished outs ide of the game, credi t wil l be given to promote the Player or IMR to Phase Two or Three. Some may already be at the Grand Master level . We are hoping they wil l become mentors to other Players and IMR’s. Once a Player or IMR is through al l the Pl izzel Matr ixes that was set as their l i fe goal , they can take the Grand Master exam. The quizzes and the Grand Master exam for this level are as fol lows:

PLIZZEL QUIZ

Do you think you are prepared for the f inal Phase of Pl izzel play?

Do you understand how important becoming a Grand Master is to your l i fe coding?

Has your l i fe changed because of Pl izzel?

Would you enjoy being a major Pl izzel mentor?

What age group would you l ike to help in our Pl izzel community?

Would you l ike to be on one of our Pl izzel design teams?

How many of your Players or IMR’s are s t i l l p laying Pl izzel?

Can we use your tes t imonial?

Is there any improvement you would l ike to see in the game at this point?

What do you think we’l l see in the future edi t ions of Pl izzel?

GRAND MASTER EXAM

The Grand Masters Exam is broken into several sect ions.

The Pl izzel experience

Which Matr ix do you think is the most important in your Pl izzel Game Plan?

Did you enjoy your t ime playing Pl izzel?

Do you have any suggest ions to improve the Game?

Knowledge of the Pl izzel Matr ixes

Do you know the difference between the Upper and Lower Matr ixes?

Was the Predict ive Dialer feature helpful in making your recrui t ing of new players easier?

Can you est imate the value of your Pl izzel holdings?

Future Pl izzel Plans

Wil l you be on our Mentoring Board of Directors?

Which Matr ix do you think you would most l ike to mentor other Players and IMR’s?

What direct ion do you think i t would be best for Pl izzel to go into from this t ime forward?

CHAPTER NINE

GAME LEGACY

As a Grand Master you’l l f ind you’l l want to pass on some of your ski l ls and winnings to help others in pursui t of their goals . Financial independence is the American Dream. Doing this in spi te of a Communist /Social is t /Fascis t or Stat is t government wil l be the big-gest chal lenge of this game. Government is the only problem we’l l have in making this dream come true. Pay close at tent ion to their schenanagans and don’t be duped by their so cal led good intent ions. They want to destroy al l forms of pr ivate property and they are proving i t by their act ions. Ignore their words but watch closely what they do to s teal f rom you. They are only seeking personal power at the expense of our f reedoms. As par t of this s tage of the game we are encouraging each player to develop their own cyber twin to expand your personal message to others . SEE: www.mycybertwin.com.Overwhelm the government with your own personal power. This is you const i tut ional duty a c i t izen of America. We can only hope to get support f rom other people in other par ts of the World that suffer f rom this Trini ty of Power. “Individuals of the World Unite and be free of the Trini ty of Power” SEE: www.internat ionalcapi ta l is tpar ty.org Each Legacy player that becomes a Grand Master wil l be assured support by al l the players and IMR’s in Pl izzel to make sure this s ta tus is maintained throughout the Grand Master ’s l i fe . I f bad investments are chosen, a new Matr ix wil l be avai lable to cure this problem. This is the Pl izzel support group that can be accessed by al l players and IMR’s. Each Grand Master wil l have an opportuni ty to be a director with the Humanarium Project . SEE: www.humanarium.org. The Humanarium Project has as i ts mandate , “En-vironmental Enhancement” that includes al l l i fe forms, even humans, unl ike some envi-ronmental groups. We wil l pay par t icular a t tent ion to pol i t ical abuse by over eager pol i t ic ians and World Organizat ions. They t ry to use environmental issues to blame everything on Capi ta l ism. This is the only system that threatens their power gr ip on individuals . I t i s a lso the only natural system that survives , no matter what the current abusive leaders do to destroy i ts use in society. Maybe some day, common sense and reason wil l prevai l over abusive po-l i t ical control . The Grand Masters can play a s ignif icant role in helping this happen. One of the unique problems facing humanity is overpopulat ion. There are two ap-proaches to the solut ion. The Trini ty of Power makes the same mistake every t ime by assuming l imited resources . They s imply divide the number of people by the known re-sources and declare an emergency based on this formula. Then they can take any evi l ac-t ion they chose and declare they are doing i t for the good of the people . The most draco-nian solut ion they put for th is a cul l ing of the herd. In other words, a reason to go to war so they can prof i t f rom the confl ic ts . The other solut ion recognizes that we have inf ini te resources avai lable when entrepre-neurial ta lents are used to solve this or any other human problem. For example: the lack of “ le ibensraum” can be solved by bui lding communit ies in the second layer of Earth, under water and out in space. Each biosphere can be made self sustaining and contr ibute to each other and the ent i re populat ion. The one thing that Capi ta l ism needs most is more customers . This is not the case for the Trini ty of Power. They just want total control .

Terraf i rmat ion

The real es ta te development port ion of the game wil l be done in coordinat ion with the web s i te : www.terraformation.com.

Partners and affiliates in Development and Marketing

Each phase of the game project requires special technologies and promotions to make the entire process viable. Here are some of the technologies and marketing organizations involved:

Using a one square mile example broken into 640 one acre parcels we can do some general cash f low analysis for Game Players and IMR’s. Assume a $1,000 per acre pr ice and a $100 per month Matr ix payment , the property should be paid for in one year. By cont inuing the Matr ix for the next year for planning and development costs , the property should be ready to bui ld and market as weekly t ime shares . A new Matr ix wil l be designed for the users of the t ime shares to a l low them to use the power of a Money Matr ix to offset their costs . As the or iginal owner of an acre , you can use the acre year around or take a huge prof i t f rom the sales of the t ime share weeks. You can also retain as many weeks as you would l ike for your own purposes . You can rent them or use them.

Because this is a bulk purchase of large parcels of land, we get a wholesale pr ice go-ing into the purchase and the worst case scenario is that we resel l the land at bet ter pr ice without doing any development . In essence, we’l l re-Pl izzel the land to new buyers and the f i rs t Players or IMR’s wil l have created a monthly income that ref lects the new value. After this ser ies of park developments are completed Terraf i rmat ion Development Company and Pl izzel wil l s tar t other innovat ive real es ta te projects that our Players and IMR’s can par t ic ipate in i f they so desire .

TERRAFIRMATION LAND PROFORMAS

FIVE ACRESPurchase Price - $1,000 per acre @ $100.00 per month - Paid for in one year

Ini t ia l Development Costs - $1,000 per acre @ $100.00 per month - Paid for in one year

Underground l iving room construct ion costs

A- 60X60 = 3,600 sq f t @ $50 per sq f t = $180,000

B- 50X50 = 2,500 sq f t @ $50 per sq f t = $125,000

Construct ion loan costs

A- $210,000 @ 10% including points , interest only including f i rs t year payments

B- $140,000 @ 10% including points , interest only including f i rs t year payments

50 t imeshare uni ts

Price per t imeshare week

A- $10,000 per week and payments of $100 per month = $500,000 or $290,000 in gross prof i ts X 5 acres = $1,450,000 gross prof i ts on the sale of a l l t ime share uni ts .

B- $10,000 per week and payments of $100 per month = $500,000 or $360,000 in gross prof i ts X 5 acres = $1,800,000 gross prof i ts on the sale of a l l t ime share uni ts .

Finishing and decorat ing cost of each t ime share uni t

Park and Community Center costs

Market ing and holding costs

The Terraf i rmat ion Development Company is based on a re t i rement dream. The owner asked himself , “What would be my perfect re t i rement l i fes tyle”. At 66, with a lot of soul searching and meditat ive thinking he came up with a new way to do real es ta te to make this re t i rement dream come true. With a back ground in both Real Estate and Computer Programming, he used both l i fe experiences and discipl ines to design Pl izzel . Some of the most important e lements of his desired ret i rement plan were as fol lows: 1 . Must be fun. 2 . Must be mobile . 3 . Must create an income. 4 . Must have a posi t ive purpose in the World. 5 . Must be chal lenging without being unheal thy or overly s t ressful .

MUST BE FUN

Pl izzel is a game designed to use “Weisure” t ime to combine le isure and work for an enhanced l i fe experience. By taking “Capi ta l ism 101” and put t ing the instruct ions and game play into an Internet game vernacular instead of just “business as usual” , the play-ers should have more fun doing what needs to be done in real l i fe . Real Estate is a foun-dat ion par t of Pl izzel .

MUST BE MOBILE

Pl izzel is an Internet game and can be played anywhere there is a connect ion. The most mobile l i fes tyle on land is obviously the motor home. Travel ing the country is a very popular l i fes tyle for seniors and some lucky younger people . The Terraf i rmat ion Development Company has designed a purposeful method of owning and using RV t ime shares for the Players and IMR’s t ravel ing pleasure. Timeshare development is the most prof i table way to invest in Real Estate . A forced f ive Pl izzel Matr ix has been designed to make i t easy for anyone to be par t of this great and prof i table adventure . By using only $125 per month a player or IMR can leverage themselves into a 50 State mobile experi-ence.

MUST CREATE AN INCOME The Pl izzel Matr ixes a l l have as their main object ive the creat ion of res idual income. What is res idual income? This is income that come to you on a regular basis . A great example of that in the Real Estate world is rent . Rent requires property management but Pl izzel income is only a computer program and i f set up properly, doesn’t require any ad-di t ional effor t af ter i t i s won (EARNED) in any Pl izzel Matr ix . People wil l drop out of the game but can easi ly be replace. After awhile even this factor is taken care of by the natural growth of the Pl izzel Matr ix .

MUST HAVE A POSITIVE PURPOSE IN THE WORLD The Terraf i rmat ion Development Program has several very dis t inct object ives . The planning and developing of f i f ty new private parks for the use of both the RV t imeshare owners and the general publ ic wil l enhance the environment in an extremely posi t ive way.

This should set a precedence for demonstrat ing the use of innovat ing pr ivate enterpr ise to solve environmental problems and s t i l l show a prof i t for the investors . The fol lowing performa’s wil l explain the f inancial ramif icat ions of the Pl izzel Provider. SEE: www.terraf i rmat ion.com Another feature of these developments wil l be the use of a l ternate energy sources . The community centers wil l use solar vol ta ic wal ls with special wind tunnel technology. The roof wil l be designed to capture ra in water. This wil l be one of two bui ldings in each park. The other bui lding located at the entrance wil l be a mechnics shop that does EV conversions and sel ls and instal ls Electr ic Vehicle conversion Kits .

MUST BE CHALLENGING WITHOUT BEING UN-HEALTHY OR OVERLY STRESSFUL

Pl izzel chal lenges every player and IMR with real l i fe and vir tual problems to solve. Each chal lenge is rewarded based on performance. Slacker Bumps reduce any unheal thy or s t ressful e lements encountered by the players or IMR’s. One of the most important goals on each level of Pl izzel is to solve a f inancial problem individual ly designed for the players needs or desires . The successful complet ion of the three levels of Pl izzel should provide for a very heal thy and almost s t ress f ree l i fe s tyle . The mentoring or buddy sys-tem of playing Pl izzel a lso reduces mistakes and makes complet ion of the Pl izzel Matr ix-es easier and faster to obtain.

General Steel Quote August 7 , 2009

Matt Beetem303-904-4837

$7.00 per square foot for galvanized s teel and includes del ivery, pr imary and secondary plans, erect ion plans, permit drawings and anchor bol ts .

60 X 60 X 15 or $25,000

50 X 50 X 15 or $17,500

Note: Up to $1,500 addi t ional del ivery costs in remote areas . General Steel del ivers in al l 50 States .

Approximate pr ice of doors $1,600 per door

Contractors l is t avai lable in a l l areas

Erect ion and foundat ion at $12 per sq f t

Cost of digging and roads unknown at this t ime

Note: Roof wil l hold 250 lbs per sq f t for soi l and plant replacement .

The Community Center Each RV t imeshare project wil l only have one bui lding above ground for the general use of the t imeshare owners unless the RV t imeshare project uses Cabins or Barns. The above ground park wil l be deeded to the local or State parks department but the park maintenance wil l be paid for by the t imeshare annual fees so as not to put a f inancial burden on this agency.

Log Cabin Kits

RV Barns

Electr ic Green Coacheswww.egcoaches.com

CHAPTER TEN

FLOW CHARTS AND CODE

SOCIAL FLOWCHART

The use of social and business networks are a major par t of the Pl izzel game. The fol lowing information is to help players new to this world. You can do this with just personal effor t but using clones can increase your effect iveness in this vir tual world. By t ra ining and then l inking your c lone, you can reach more people to increase the number of game players . This wil l help you win the game and advance to the “Grand Master” level .

NING.COM MYSPACE.COM

BUSINESS NETWORKING FLOWCHART

CRAIGSLIST

These f low charts and computer code is for the technical ly incl ined players that would l ike see and perhaps contr ibute to the game in an open source format . This information wil l constant ly be updated at www.cloudancing.com.

Cloud DevelopmentBUILDING CLOUD WEBSITES USING DREAMWEAVER

EXAMPLE SITE: www.cloudancing.com

ROOT/homepages/34/d254258002 Case IDl 125276500

In 1 and 1 Control Panel

X the box - Destination Click - edit destination Click - create new destination

Name destination - cloudancing

In 1 and 1 Control Panel

Select FTP

URL - www.cloudancing.com

Name - cloudancing.com

User Name (find in control panel under Domains) - u50xxxxx

Password (find in control panel under Domains) - BWwxxxxx

FAQ’s for setting up Dreamweaver - faq.1and1.com

This is just one of many ways to do web development. If you have a computer programming background and would like to be part of the Plizzel Development Community, please e-mail me at barry@plizzel.com. Each element of the game can use input from the Internet and game developers. We have a built in natural partnership that doesn’t require fancy agreements. The Matrix itself takes care of all possible problems.

CHAPTER ELEVEN

Web Si tes , Books and Movies

Within the Pl izzel Game Browser are many special web s i tes , books and movies that have to do with the game.

Flat WORLDKnowledge

The Blue Guppy

Creative Real Estate in a Bad Market

The last free man in America

DOM

The Devious Gene

How to start and run a business using barter techniques

The Evolution of the International Capital ist Party

WHIM I, II , III

1913 - The Year America Became Brain Dead

BY: Barry Bowdidge

The money will be transferred via internal mailing system. Once a user logs in, they will have new messages, which of course is the message for winning the money. We want the message to have a check that is good from our operational paypal account that they can print and cash anywhere. Of course the checks need to have certain numbers making it so they can’t print the check out twice and cash it. I am sure you are familiar with all of the concerns we may have in this area.For an example host profile, you can log in as “pongleaguesw” with password “360360”. All hosts are manually approved, so this way you can just check it out without having to sign up.

PHONE VOICE GAMES Coincidently, I’ve just gotten a new PayPal client wanting a much simpler solution, but would make a great starting point with this project. They should have their site ready to go by the end of January. They are willing to do some testing of the Game Button. This is the latest fad on College campuses, Beer Pong. Their site is at www.pongleague.net.

This is the written explanation by the owner of the Pong League web site with my flow chart of this game situation.I would first like to point out that there are multiple profile types. There are player profiles, league or “host” profiles, and venue profiles. Host profiles are the only profiles that can post events. When a host posts an event, anyone can see it. You can view events by clicking on them on the event calendars. Once an event is clicked it takes you to the event details page. From here you can see the host’s picture, the venue who is hosting the event, and the rest of the details. On this page there should be a tournament registration button. Once clicked, that button navigates to a page where the user can select a team from the drop down menu. There will be other options here as well such as prize pot, a count of teams that have registered, etc. Then below that you will see a paypal button. What it does I am not sure yet, but it’s there.This is how we are planning on doing things. Once a team registers, the cost of the tourmament and the processing fee will be taken from their bank or account, and transferred to our large operations paypal account. Somehow we would like the processing fee to split into a separate account so that it is much easier to balance our finances. The money will sit there until the tournament is over. Once the tournament is over, the host will log in to their profile and upload that stats that our electronic pda’s produce. The hosts also enter the top three teams for first, second, and third place. The host will then finalize the tournament and submit the results. From there the system will send the money via internal mailing system to the user’s accounts. The first place finishers will receive 65% of the total pot, the second place finishers get 15%, and third gets 5%. The last 15% goes to the host. The total pot consists of the amount of registered teams, multiplied by the fee to enter the tournament (usually, but not always, $20). The money will then get split in half and get sent to each player’s individual profile. For example, with a pot size of $100, the winners get $65. This means that $32.50 goes to each player on the winning team. Please keep in mind that all teams are teams of two. Therefore, there will be 8 profiles minimum receiving money. For larger tournaments, we want the pay offs to go to perhaps 20 different profiles, it all depends on the size of the tournament.

OTHER INFORMATION

GAME BUTTON PROPOSALBY: Barry Bowdidge

619-581-8666humanarium@hotmail.com

The future in Internet games will be involved with real money points without being in the gambling arena. This presents an unusual opportunity for PayPal. A preprogrammed special button for gamers and the Internet hosts could bring in a lot of new young PayPal account holder. I’m currently designing a game with some of the basic structure at www.myvoicegames.com. I’m using the “Revolution” software development language out of Scotland. It’s a cross plat formed framework that can be used on any Internet devise. The general nature of this game will require maximum flexibility. The cash flow direction should be a great prototype for the underlying PayPal Button code. The game currency is broken into three parts based on the USD no matter where it is played. Credits represent one dollar in the PayPal Game accounts. Points represent one penny and Tokens represent 1/100 of a penny. Obviously, Tokens will need the most cod ing for the game. They are important because of the many bells and whistles that can be built into a game. The initial web site is very much a bare bone version. The “Revolution” version is much more complicated but contains proprietary information that I don’t want out on the Net at this time. When we get into the actual PayPal programming, these details will be made available. I’m currently doing some trial marketing with some of the products and services that we will actually be using. I’m using the standard PayPal buttons for this phase of the de velopment.

This is an example of the futuristic use of the PayPal Game Button.Copy of an e-mail for a possible NASA GrantMr. Barry Bowdidge:The California Space Grant Consortium (CaSGC - Lead Institution - UC San Diego) has reviewed your proposal abstract, “Humanarium Project” for the Ralph Steckler/Space Grant Space Colonization Opportunity. Although the proposal abstract describes some innovative concepts for developing additional financial support for future Lunar colonization, it does not sufficiently meet the announcement criteria stated in the opportunity announcement and included below. The CaSGC will not be submitting a Letter of Intent for this proposal. Thank you for your interest in Space Grant and its NASA programs.Dr. Michael WiskerchenDirector - California Space Grant Consortium (http://CaSGC.ucsd.edu)“A competitive proposal will clearly and concisely describe the innovative approach relative to the existing state of the art; address scientific and/or technical feasibility and its relevance and significance to NASA needs for space colonization; and provide a preliminary strategy for incorporation/integration into NASA programs or projects.”

HUMANARIUM PROJECT1341 E. Valley Parkway #152

Escondido, CA 92027619-581-8666

Notice of Intention for:Ralph Steckler/Space Grant

Space ColonizationResearch and TechnologyDevelopment Opportunity

Phase ISolicitation:NNHO9ZNEOOIC

January 16, 2009:NOIFebruary 19: Proposal Due

OMB Numbers 2700-0085 and 2700-0087Mission compatibility: Several of the primary exploration elements are addressed with this research and development, communications and the sustained human presence on the Moon for a successful space colonization and settlement. This program will provide an income stream for the commercialization, potentially from the moment of liftoff, by having the ability to add to the system any new innovations or technologies that come out in the future. This will be the infrastructure of Space Capitalism. All earthly products and services can be addressed and the future Moon and Mars products can be marketed when appropriated by the new inhabitants with real time communications. The Game will also have many fun and useful educational opportunities. The game will have features that help the general public understand the colonization and give them an opportunity to participate.REAL TIME MONEY GAME FORMULTITASKING ASTRONAUT PIONEERS This will be the first Phone Voice Game (PVG) developed for use on any internet connected devise with voice capabilities. The I-phone will be used for the beta test. All players will have a special Game PayPal account. By using off-the-shelf hardware and custom software programs over a predictive dialer, the space pioneers can do their terraforming and research work while playing a multitude of PVG’s. This will make extra income for the mission and let the space pioneers chat with the folks back home to help them cope with the isolation factor out in space. This makes all qualified software programmers as possible collaborators in the development. The company is using a new cross plat formed computer language called “Revolution” out of Scotland. The CEO is a certified PayPal developer and is currently designing a special Game Button to be used with these games. He is also in a special eduction group to beta test a new Education Button currently being developed for the universities around the World. Barry Bowdidge/CEOwww.myvoicegames.comwww.internationalcapitalistparty.orgwww.crebooks.comwww.humanarium.org

Alternate Currencies for the Beta TestInformation about the Barter Organization will follow when needed. I’ve owned a Barter Company for many years.

MyMMOshop.comWe all know what the economy is, but do you know what a virtual MMO economy is?

An MMO, or MMORPG, which in turn is shortened from Massively Multiplayer Online Role Playing Game, is a form of online video game. You may have heard of such MMO’s as World of Warcraft, Warhammer Online, Age of Conan, EverQuest 2, Final Fantasy XI, Lineage 2, EverQuest, Vanguard Sega of Heroes, Star Wars Galaxies, Anarchy Online, Eve Online, Guild Wars, Lord of the Rings Online, Maple Story, Pirates of the Burning Sea, Tabula Rasa, etc. Amazingly, these games have their own real economies, based on the currency of the game. Players sell their in-game money to other gamers, in exchange for real world money. It seems amazing that there is a market for these transactions, but there is. It all started when players quit playing their game, and did not want their countless hours of work to go to waste. So they did what seemed obvious to them; they sold their MMO accounts. Many people do not want to go through the tedious process of leveling their character, and would rather just pay more in order to have the best gaming experience, so they purchased pre-leveled accounts. It makes sense in this regard. Quitting players get some extra cash, and future players get a great head start on the game, and do not have to endure hours of boring leveling. This process is often referred to as Real Money Trade, or RMT for short. In some games, the sale of virtual money is strictly forbidden, while in others, it is encouraged. But regardless of the rules, RMT takes place in almost every MMO ever produced. Initially, RMT consisted mostly of the sale of characters, but soon, once people realized that they could make money playing video games, many people began selling in game money. Some used it as a way to pay the monthly membership fees, and some just used it for a little extra cash. Most RMT took place at online auction sites such as eBay. At this stage, RMT was a relatively harmless new trend, which did not really affect the game play experience. However, it began to spiral out of control. A few smart individuals decided to capitalize on this hot new trend. They started websites for the sole purpose of buying and selling MMO money. They completely dominated all the trade, and made quite a bit of money. The websites would buy small amounts of in-game currency from users, and sell it in larger packages to private clients at premium prices. The process was simple; once the payment was made, the virtual currency was delivered through an in-game trading system. Developers and moderators began to catch on as they began seeing complete beginners with ridiculous amounts of in-game money. Some game developers attempted to take legal action against those participating in Real Money Trade, and others ignored it. Many games updated their Terms of Use agreement, in order to allow or disallow RMT. RMT began to affect the gaming experience negatively. People who had played the game for years began to get angry when a complete amateur had more in-game money than them. Also, as new people had no idea what the in-game market prices for digital goods were, they paid far too much for items, and disturbed the entire virtual economy. Just like a normal economy, virtual MMO economies are fragile. If you flood them with too much money, or take away too much money, they will react poorly.

Where RMT Started

The famous MMO EverQuest is believed to have been the game in which RMT originated. Though it may not have been the first, it is certainly the first that took it to the next level. EverQuest had such a rich economy, that players could actually make an average of $3.50+ per hour, just playing video games. Consider this: if that $3.50/hr figure is considered the games minimum wage, that ranks EverQuest, a virtual world, as the 77th richest country in the world! - A truly shocking fact. It is amazing that a video game can be considered richer than more than half of the countries in the world. Strangely enough, people were willing to pay quite a lot for virtual money and items. Single in-game items sold for $10-$1,000 or more. In game Money began to be grouped in huge amounts in order to sell it. People would often spend thousands of dollars just setting up their character with the best equipment! Keep in mind; we are still talking about video games! Thousands of dollars for a video game? Why would someone pay that much money just to play a game? Because leveling characters and earning money on MMO’s takes ages. Players often play for months on end, playing for at least a few hours every day, and they still do not reach the maximum level, or accumulate that much money. RMT was affecting games negatively, but it was still manageable. However, that all began to change as people became greedy. A new trend started, often called “gold farming”. Gold referred to whatever the in-game currency was, and farming referred to, essentially, manufacturing. People began designing programs, or bots, that would play video games for them, doing tedious tasks. They then logged onto their accounts and sold whatever the bot had collected.

Gold Farming

It got even worse when actual video game sweatshops began to pop up. Business men in poor countries began to notice how much money was to be made through RMT on video games, so they hired “workers” to gold farm. Workers were paid very little, but they could hardly complain, as all they were doing was playing a video game. They all did simple, mindless tasks that made a consistent amount of in-game money. These tasks usually included some sort of collecting of raw materials. Once a fair amount was collected, they would sell the materials for in-game currency. They would then sell the in-game currency for real-world currency. It is a crazy concept to wrap your mind around, but it is the truth. Real Money Trade still takes place today, on this very web site in fact. Lawsuits have been filed against participants but to no avail. If anything, it is more popular today. With games like World of Warcraft, MMO’s have become mainstream, and thus, the need for in-game currency is in ever greater demand.

Other currencies include Airline Miles, discount rebate points, carbon credits and option points.

Political Monetary Considerations The PayPal Game Button monetary calculations and code will represent the most basic units of money and can be adapted to the future of our World exchange system as those changes manifest themselves. With just three units of money, Credits, Points and Tokens, it will be possible to do any size transaction.

Credits equal one USDPoints equal 1/100th USD

Tokens equal 1/1000th of one USD

(CNN) -- The line dividing work and leisure time is blurring right before our eyes, says one expert, and it’s creating a phenomenon called “weisure time.”

English cricket player Geraint Jones enjoys a “weisure” moment during an Australian fishing trip in 2006.

Many who haven’t already abandoned the 9-to-5 workday for the 24-7 life of weisure probably will do so soon, according to New York University sociologist Dalton Conley, who coined the word. It’s the next step in the evolving work-life culture.

“Increasingly, it’s not clear what constitutes work and what constitutes fun,” be it “in an office or at home or out in the street,” Conley said. Activities and social spaces are becoming work-play ambiguous, he says, as “all of these worlds that were once very distinct are now blurring together.”

Conley used the 1950s as a point of reference. “Back then, there were certain rules, such as ‘don’t do business with friends, and keep those spheres separate.’ It was just one of the hallmarks of capitalist social life. That has completely changed.”

However, the increased mixing of work and play doesn’t mean bankers will be refinancing houses during their kids’ piñata parties.

But what it does mean is more and more Americans are using smartphones and other technology to collaborate with business colleagues while hanging out with their families. See how “weisured” your

lifestyle is and compare with others »

Don’t MissIn Depth: Having It Al^6. l

It doesn’t mean tax attorneys will be getting makeovers during their tax-law seminars. But they may be chatting with Facebook friends while participating in a conference call.

What happened? Why do Americans want to mix work and play? Well, first, there’s more work and less play, according to Conley’s book “Elsewhere, U.S.A.”

“For the first time in history now, the higher up the economic ladder you go, the more likely you’re going to have an extremely long workweek,” he says. These busier Americans often want to save time by taking care of business and pleasure simultaneously.

Obviously, the Internet offers nothing but opportunity for that.

‘The creative class’

People are more willing to let work invade their leisure time because, for a lot of Americans, working has become more fun, Conley says. He refers to this group of professionals who tend to get more enjoyment out of work as “the creative class,” borrowing a term coined by author Richard Florida.

Their work involves ideas -- perhaps helping create a new software product, ad campaign or creative

financial derivative.

“This makes their work a source of meaning and fun to them, and thus the work-all-the-time mentality is partly driven by choice and desire,” Conley said.

It’s no coincidence, Conley says, that weisure has been growing simultaneously with the popularity of the personal computer, which has helped professionals with more tedious parts of their jobs -- and has made many jobs somewhat more interesting.

Weisure has been fueled by social networking sites like Facebook and MySpace, where “friends” may actually be business partners or work colleagues.

“Social networking as an activity is one of those ambiguous activities,” Conley said. “It’s part fun and part instrumental in our knowledge economy.”

These networking sites offer participants in the weisure life lots of ways to do business -- and to have fun.

Social technology “triggers a pleasure response in our brain that we want, even if it’s quasi-junk mail, because someone’s reaching out to us for a social connection. So we’re addicted, some of us, me included.”

‘We lose our private sphere’

Perhaps more disturbing is the idea that weisure is changing us. “We lose our so-called private sphere,” Conley said. “There’s less relaxing time to be our so-called backstage selves when we’re always mingling work and leisure.”

If you’re thinking that a backlash may be around the corner for the weisure concept, you’re right. In fact, Conley says, the backlash has begun.

“You can see that in the populist anger against the bankers” who’ve been blamed in part for the current economic downturn, Conley says. The backlash is evident in the rise of alternative social movements involving people “who live in a more frugal and environmentally conscious way,” he says.

But, short of a nuclear winter or some cataclysm sending us back to the stone age, there’s no turning back the clock on the spread of weisure, he says. The weisure lifestyle will engrain itself permanently

in the American culture.

Every culture creates its antithesis, Conley says. Eventually the weisure class could merge with a “getting back to basics movement” and form something new.

“I don’t know what that will look like,” he said. “But this period we live in now will look very quaint and silly to folks 50 years in the future, just as the 1950s look very fake and quaint and earnest to us now.

ARTICLES OF INCORPORATION

I

The name of this corporation is HUMANARIUM PROJECT

II

A. This corporation is a nonprofit MUTUAL BENEFIT CORPORATIONorganized under the Nonprofit Mutual Benefit Corporation Law. The purposeof this corporation is to engage in any lawful act or activity, other than creditunion business, for which a corporation may be organized under such law.

B. The specific purpose of this corporation is to PROVIDE ENVIRONMENTAL ENHANCEMENT.

III

The name and address in the State of California of this corporation’sinitial agent for service of process is:Name Barry Bowdidge Address 1341 E.Valley Parkway #152 City Escondido StateCalifornia Zip 92027

IV

Notwithstanding any of the above statements of purposes and powers , thiscorporation shall not, except to an insubstantial degree, engage in anyactivities or exercise any powers that are not in furtherance of the specificpurposes of this corporation.

________________________________Barry Bowdidge, Incorporator

The Humanarium Project

As a California Non-Profit Corporation, the Humanarium Project has as it’s mission statement or purpose, Environmental Enhancement. The following flow chart shows some of the planning and execution of varies portions of the project. Each path taken represents a skill that the originator of this project brings to the or ganization. One hundred percent of the income derived from any of these endeavors is automatically donated to the project to help make this a successful organization.

STATEMENT OF INTENT FORTHE HUMANARIUM PROJECT

As the CEO of the Humanarium Project I plan on using al l the knowledge I’ve gleaned as a s tudent of the world. Any and al l resul ts wil l be put to the best possible use for this legacy project . Al l of the things that I create or prof i t f rom wil l be put to use to fur ther the agenda of this organizat ion. Fortunately, I ’m a minimalis t when i t comes to my per-sonal l i fes tyle . This wil l maximize the use of any of the assets for the fulf i l lment of the goals put forward by the Humanarium Project . Why do this? The answer is that I think the meaning of l i fe is to contr ibute to the evolut ion of the human species . Most of what I do can be understood best when put to that tes t . My methods may seem odd to some people , but there is def ini te ly method to my madness . I just can’t put i t a l l down at once. For example: Why would I choose a game to create most of the income for the project? Pl izzel is a money matr ix that creates a perfect par tnership because i t i s ruled by a predetermined mathematical matr ix . At torneys are taken out of the loop and so are the bureaucrats . The products and services are care-ful ly chosen to enhance the environment and help people lead a bet ter l i fe while protect-ing our important natural resources . The game wil l be centered around some unusual infrastructure development under-ground, underwater and out in space. The technology wil l be developed in different par ts of the world but the main beneficiar ies wil l be the over populated countr ies . Ul t imately, our pr imary market wil l be these countr ies . This wil l help the t rade balances between the developed countr ies with new housing development t rading for products produced by the developing countr ies using inexpensive labor. Both wil l get what they want and need. Evolut ion using posi t ive capi ta l is t methods should push humanity into the next level of species success with no-one being lef t behind. There wil l a lways be s lackers jamming up any system but maybe science wil l f ind the s lacker gene and some al terat ions can be made to help these people get more out of l i fe . This is why I put a big emphasis on “Slacker Bumps” or penal ty points in the game for this kind of behavior. The game wil l evolve constant ly as a learning tool and an economic system. The open source community wil l enjoy the game because so much of i t has to do with technology and math. The f i rs t goal wil l be to es tabl ish a pr ivate park system that has underground l iving rooms for motor homes that are t ime shared for maximum profi t . A good share of this prof i t wil l be used to bui ld a high tech community center and the environmental ly sensi-t ive oasis l ike park that wil l enhance this property beyond any environmental is t ’s expec-tat ions. The golden number of parks is f i f ty. One in each s ta te of the union. Of course, we want this to cont inue. Some of the features in this park wil l be as fol lows:

1 . Community center bui l t us ing s ta te of the ar t solar and wind cogenerat ion. 2 . Water recycl ing and creat ion methods. 3 . Conversion of t imeshare owners recreat ional vehicle into an al l e lectr ic dr iving sys-tem and using their current combust ion engine as a backup generator.

The Humanarium Project has four primary missions as follows:Saving Endangered Species • Biosphere Research and Development• Design and Development of Alternate Infrastructures• Eco-Disaster Recovery •

SAVING ENDANGERED SPECIES The creator of the non-profit corporation (Humanrium Project) is also the primary conributor at the present time; October (October 2007). This donation consists of over three thousand drawings a large collection of writings. A legacy real estate development is in progress to enhance the property

Genetic Art, Animated Art Movies and a Variety of Writings

The co-generation public building will be a combination Art Gallery, Movie Studio and Educationalcomplex. The founder of the Humanarium Project is an artist that has already produced over two thousand five hundred genetic designs. They will all be available for viewing by the general public. Each image has both a first and last name and a tax ID number. Each creature is also assigned an endangered species from the “Red List” maintained by the IUCA in Switzerland since 1947. There are currently over 26,000 species on the list. That will mean approximatly ten endangered species will be assigned per genetic design. All income from the licensing of any image will be used to help save these species.

Animated movies will be produced using these characters on site by BWB Films.. All of these movies and any pre-released versions will be available for viewing and purchasing by visitors. An educational program will be developed for the public use of the facility. The subject matter will include the following:

Drawing programs• Genetics• Animation• Movie making• Endangered species awareness• Alternate future housing• Nature trail usage•

BIOSPHERE RESEARCH AND DEVELOPMENT The continuation of projects like Bioshere II, space programs and undersea living space development are going to be reported upon and encouraged with public and private support by the Humanarium Project. Our web site will be a source of education and information about all the new developments worldwide concerning anything to do with biosphere research and development. Whenever we can get directly involved with tech nology or development in this area, we will pursue that course of action. The creator of the Humanarium Project has donated the resources and profits of an alternate energy com pany “Black Wind Energy” and a digital money system for use in special situations.

DESIGN AND DEVELOPMENT OF ALTERNATE INFRASTRUCTURES

Alternate infrastructures can be additions to existing systems for environmental enhancement and im-proved service such as the following example:

BUFFER BUILDING Buffer building refers to those spaces between the edge of the freeway and the nearest private property line. In California, CAL-TRANS is actively seeking private party solutions. We will be testing their rhetoric and their resolve. Anything done should include a *soft crash zone and *quick vehicle removal systems to help with traffic management. Because of the nature of the topography in California the suggested uses only apply to certain stretches of road. These are primarily urban solutions, not necessarily urban concepts. Special architects and engineers will be needed to design buffer buildings. For long stretches of urban freeway next to established subdivisions an intricate design could prove useful. Considering the fact that freeways are a concept of the forties and fifties, surely some new thinking is long overdue. To start with, think of this plan as a tubular rectangle inside an outer tubular rectangle. The inside tube is designed and used by combustion engine vehicles that should be isolated, if possible, because of noise and air pollution.

BUFFER BUILDINGDEVELOPMENT SYNDICATE an LLC or LimitedPartnerships

A-1 CONTRACTOR

CAL-TRANS

Condos, OfficeSpace Mini-Shopping Garages Storage Parking

HUMANARIUM PROJECTARCHITECT

Pension Funds, Insurance Co. Offshore Lenders FINANCINGEmergencyCenters

DEVELOPER BROKER COMMISSIONS and PROFITS

Some of the possible designs could include:Overhead toll roads and rail systems• Underground toll roads• Solar voltaic on roof and south and southwest walls• Electric vehicles only zone• *Soft crash zone• *quick vehicle removal systems• Commercial and office space• Special landscaping• Special signage, time, weather, breaking new and emergency information• Speed and reckless driving monitors•

The following links are posted below and should help develop some of these ideas:www.dot.ca.gov for CALTRANS

ECO-DISASTER RECOVERY One of the first projects the Humanarium Project will undertake is a tree replenishment program in the San Diego, California’s back country. The Cedar fire of 2003 caused massive tree damage in the Cleaveland National Park and surrounding areas. Our plan is to purchase 2 to 5 acres in the Cuyamaca Lake area, preferrable in the North Peak area. The views here are spectacular except for the black trees left by the fire. We will use several methods to help with the reforestation of the area. Some of these methods are as follows: 1. Direct purchases with donated funds of seedlings and larger tree will happen proportionate to the donations received by the Humanarium Project. 2. A program of used live Christmas Trees will be initiated. 3. Coordination with other groups and agencies with similar 4. Design a trail system using electric vehicles only to raise funds for the forest replanting mission. 5. Identify any endangered species in the area and make a plan to help them. 6. Develop a cadre of weekend volunteers to excellerate the planting and upkeep of the nursery and the trails on private property.

Plizzel Privacy Policy Privacy Policy Terms & Conditions: Plizzel and its sponsoring non profit, Humanarium Project, values the privacy of our visitors and our Players and subscribers and takes many steps to protect their privacy. By visiting Plizzel's primary browser and web site or related websites that Plizzel controls or operates, or using any of our services, you acknowledge that you accept the practices and policies outlined in this Privacy Statement. Please read these terms and conditions carefully before using the Plizzel.com or any other of our sites. By using these sites, you signify your assent to these terms and conditions. If you do not agree, please do not use this site.

Plizzel.com maintains these sites for your personal Matrix lifestyle and gaming entertainment and makes every effort to protect your privacy as outlined in this privacy statement. Please feel free to browse the sites and download the material for non-commercial, personal use. You may not distribute, modify, or use the content of the site for public or commercial purposes without Plizzel.com giving written per-mission.

What this Privacy Statement Covers: This Privacy Statement covers Plizzel's treatment of your personal information that Plizzel gathers when you access Plizzel sites. This Privacy Statement does not apply to the use of your Personal Information by third parties that Plizzel does not own or control, or to individuals that Plizzel does not control or manage or do business with on your behalf (Providers).

Security: This site employs strict security measures that protect the loss, misuse, and altera-tion of information under our control. Access to data is limited and strictly enforced. Plizzel.com periodically reviews each and every security policy to ensure privacy. Registration data is never sent over the Internet. To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and

secure the information we collect online. Only the “Providers” have your informa-tion to make sure your products and services are delivered properly. See their indi-vidual Privacy Policies in your Matrix choices.

Does Plizzel ask for personal information?

Yes, we do. Plizzel asks for your name, e-mail address, and other personal informa-tion when you register to qualify to win contests or other promotions sponsored by Plizzel. Plizzel is the sole owner of information collected on Plizzel Sites. We do not share or sell your information with anyone without your authorization or con-sent in ways different from what is disclosed in this Privacy Statement.

How does Plizzel use my personal information? Plizzel's reason in collecting personal information is to provide you, the player or IMR, with the most personalized web experience possible and provide an efficient means to reach the right Matrix. By knowing a little about you, Plizzel is able to deliver more relevant content and a better service to you. Only Plizzel and your chosen Matrix Provider has access to individuals' accounts. Telephone numbers and e-mail addresses will only be used to contact you regarding winning something in the game or contest or to notify you of personal account information or deliveries by Matrix Providers.

Surveys or Contests: We may provide you the opportunity to participate in contests or surveys on Pliz-zel sites. If you participate we will request certain Personal Information from you. Participation in these surveys or contests is completely voluntary and you therefore have a choice whether or not to disclose this information. The requested informa-tion typically includes contact information (name, phone number and email ad-dress), and demographic information (such as zip code). We only use this information internally to determine eligibility, notify contest win-ners, and to measure the success of our efforts.

Will Plizzel sites disclose any of my personal information?

Plizzel sites will not disclose any of your personal information, except as described

below, or when we believe in good faith that the law requires it, or to protect the rights or property of the Plizzel sites.

Registration:

Plizzel provides some features exclusively to its Independent Marketing Represen-tatives ("IMRs") and Players. Our registration process requires you to provide Pliz-zel with a valid email address as well as a username and password of your choice. Information such as your first and last name, year of birth, zip code, and country of residence helps Plizzel have a better understanding of visitors and players. You can choose not to provide us with certain information, but then you may not be able to take advantage of special features offered only to our players and IMR’s. Social Security numbers and other pertinent information required by law are for reporting income and winnings of players and IMR’s. Plizzel will not disclose any of your personal information, except when required by law to do so, or to protect the rights or property of Plizzel.

What about Children's Privacy?

The safety of children is very important to us. Registration for use of the Plizzel Site utilizes systems to prevent anyone younger than 18 years of age to access the back office portion of Plizzel.com on any section that has anything to do with adult content, gambling or any other subject that could be detrimental to children. Par-ents, please keep in mind that personal information we gather from children young-er than age 18 is not intentional and is done so only because the child represented themselves as being 18 years of age or older. Any promotions we conduct, unless otherwise noted, are open only to persons 18 years and older. We do not collect or maintain information on Plizzel Sites from those people we actually know are under 18 years old, and no part of any Plizzel Site is structured to attract anyone under 18 years of age.

Does Plizzel use cookies and IP Addresses? Yes, cookies are used in Plizzel in a simplified format. (1) We use cookies to be reminded of who you are and to help us to access your account information (stored on our computers) in order to keep track of your Plizzel Account Information and to deliver to you a better and more personalized service. This cookie is set when you

register or "Log In" and is erased when you "Log Out" of our site. Plizzel may use cookies to store your Zip Code for other games, contests, and services that may re-quire further tracking. (2) Cookies are also used to estimate our audience size. Each browser accessing Plizzel sites may be given a unique cookie which is then used to determine repeat usage versus initial usage. Plizzel will store a small text file called a cookie on your computer to track session data and persist your login for conve-nience. A session cookie expires when you exit your browser. A persistent cookie stays on your computer until it is deleted. You can remove persistent cookies by fol-lowing the directions provided in your browser's "help" files.

If you reject cookies you may still use the Plizzel Sites.

This Privacy Statement covers the use of cookies by Plizzel only and does not cover the use of cookies by any advertisers.

What else should I know about my privacy? Please keep in mind that whenever you voluntarily disclose personal information online - for example on message boards, through e-mail, or in chat areas - that in-formation can be collected and used by others. In short, if you post personal infor-mation online that is accessible to the public, you may receive unsolicited messages from other parties in return. While we strive to protect your personal information, Plizzel cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. In addition, Plizzel and third party Internet sites and services accessible through Plizzel or Plizzel affiliate partners have separate privacy and data collection practices, independent of us.

Communications from Plizzel Sites

Newsletters:

If you choose to subscribe to our newsletter(s) we will use your name and email address to send newsletters to you. You may opt-out of receiving our newsletter by following the instructions included in each newsletter or by contacting us by email, phone, fax, or postal mail. Unsubscribe instructions accompany each email.

Service-related Announcements:

We will send you strictly service-related announcements on the rare occasions when it is necessary to do so. For instance, if Plizzel is acquired or a natural disaster oc-curs at our data center, we might notify you with an e-mail from our back-up data files.

You may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive these announcements you have the option to deacti-vate your account.

Choice/Opt-out: We provide you the opportunity to access and edit all of your Personal Information within our member profile page or by emailing Customer Support at support@pliz-zel.com. Information collected for the membership process, if requested, will be deleted within 21 days from the Plizzel Sites. However, some Personal Information may need to be maintained if it is connected with billing information or as required by law.

Users of the Plizzel Sites are always notified when their information is being col-lected by any outside parties. We do this so our users can make an informed choice as to whether or not they should proceed with services that require an outside party.

We gather certain information automatically and store it in log files. This informa-tion includes Internet protocol (IP) addresses, browser type, requested pages, oper-ating system, and the time and date your browser requested our pages. We use this information, which does not identify individual visitors, to analyze trends, to ad-minister the Plizzel Sites, to track visitor movements around the Plizzel Sites and to gather demographic information about our user base as a whole. We do not link this collected data to Personal Information.

Customer Service: Based upon the Personal Information you provide us we will send you a welcoming email to verify your username and password. We will also communicate with you in response to your inquiries, to provide the services you request, and to manage your account. We will primarily communicate with you by email and by the use of Cyber

Twins on the Plizzel sites.

Information Sharing and Disclosure: Aggregate Information (non-personally identifiable) We may share aggregated demographic information about our visitors and the world of Plizzel in general with our partners and advertisers. This information does not identify visitors or members. We do not link aggregate visitor or member data with Personal Information. We may employ other companies and people to perform tasks on our behalf and need to share your information with them to provide products or services to you. Examples of such services include sending email, analyzing data, providing market-ing assistance, processing credit card payments, and providing customer service and of course our Plizzel Providers that make the Plizzel Matrix so incredible.

Third Party Advertisers: Any advertisements appearing on Plizzel may be delivered by a third party. For information about an advertising partner, please visit their website through the link included in the presentation of the advertisements on the Plizzel Sites.

Business Transitions: In the event Plizzel goes through a business transition such as a merger, acquisition by another company, or sale of all or a portion of its assets, your Personal Informa-tion will likely be among the assets transferred. You acknowledge that such trans-fers may occur, and that any acquirer of Plizzel may continue to use your Personal Information as set forth in this Privacy Statement. You hereby consent to Plizzel sharing your Personal Information under the above circumstances. Plizzel will contact you at the email address you provided at registration to communicate such transfer. We will also place a prominent notice on the Plizzel Browser and home page for 30 days after such business transition.

Changes in this Privacy Statement: This Privacy Statement is a living document. We will modify this document as we add new features to Plizzel Sites. We reserve the right to modify this Privacy State-

ment at any time. If we make material changes to our privacy policy we will post those changes to this Privacy Statement, on the Plizzel Browser and homepage, and other places we deem appropriate so that you are aware of what information we col-lect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to disclose your Personal Information when we believe in good faith that release is necessary to (1) comply with the law; (2) enforce or apply our conditions of use and other agreements; (3) or protect the rights, property or safety of Plizzel, our employees, our users, or others.

Links to Other Sites: Plizzel Sites may contain links to blogs and other websites that are not owned or controlled by Plizzel. We are not responsible for the privacy policies of such other sites.

Contacting the Web Site: If you have any questions about this privacy statement, the practices of this site, or your dealings with this web site, you can contact: support@plizzel.com Humanarium Project1341 E. Valley Parkway #152Escondido, CA 92027Dated: August 1, 2009

PLIZZEL INDEPENDENT MARKETING REPRESENTATIVEAPPLICATION AND AGREEMENT

This is an Agreement between Plizzel/Humanarium Project(“The Company”) and you,Independent Marketing Representative (“IMR”, "you" or "your"). This Agreement explains theterms which transactions between you, and The Company and our responsibilities toward eachother.

The Effective Date of this agreement shall be the date that you complete the signup process.Electronic Signatures in Global and National Commerce Act, 15 USC 7001-7031 requires thatyou consent to entering into an electronic agreement with The Company before the agreement isexecuted and becomes effective. Please read the following information “carefully” before youconsider accepting these terms. Should you enter into an online IMR Agreement with TheCompany, you will not be required to submit a paper application/agreement. The entireAgreement between you and The Company will be evidenced by an electronic record. It is anabsolute requirement that you must agree to the use of an electronic record and you mustcarefully read the Terms and Conditions of this Agreement. To access these documents andsubmit your online application, you will need the following: A computer, wireless device, orpersonal digital assistant (PDA) with access to the internet and an Internet Browser. Afterenrolling as a member, you have the right to withdraw your consent to the use of an electronicrecord. However, should you do so, your Agreement with The Company will automatically beterminated and you will lose all rights to all remuneration. Should you wish to withdraw yourconsent to the exclusive use of an electronic agreement, you must do so by sending an email tosupport@plizzel.com. Your email shall include your name, user id, your mailing address, andemail address.

If you would like to request a paper copy of this Agreement you may access this document athttp://www.plizzel.com and print it out. If you would like for us to mail you a copy of theAgreement, please send an e-mail request to support@plizzel.com. Each individual request mustinclude your name, mailing address and email. You will be charged $6.00 for each request.

You also agree that The Company may amend/modify the Terms and Conditions of thisAgreement at any time without prior notice.

By checking the box to Agree to our Terms, you consent to the use of electronic records for yourIMR Agreement. You will be bound by all terms and conditions. By entering into thisAgreement, you also agree to be bound by the terms of this Agreement for transactions enteredinto on your behalf by anyone acting as your Agent.

General Rules/Policies & Procedures

1. Legal Age. IMR, if an individual, is of legal age to enter into this Agreement as per State and Federal laws.

2. Authorization. By entering into this Agreement, IMR is authorized to sell licenses tosubscribe to Plizzel Management Software™ (the “Subscriptions”), to solicit otherindividuals to become Plizzel IMRs and Players. The Plizzel Management Software License andSubscription Agreement may be accessed at http://www.plizzel.com.

3. Acceptance. This Agreement shall be effective upon electronic acceptance by theCompany or by acceptance by the Company at its place of business at 1341 E. Valley Pkwy, #152, Escondido, CA 92027. The Company reserves the right, in its sole discretion, to decline anyAgreement.

4. Term. This Agreement shall have a term beginning on the date of acceptance by theCompany and shall terminate as set forth in Section 16.

5. Company Materials. IMR has been provided, read, understands and agrees to thecompensation plan of the Company (the “Compensation Plan”) pursuant to which IMR may earncommissions from the sale of the Subscriptions and the Company’s payment plan pursuant towhich IMRs may pool and share winnings and the related payment schedule for prize distribution (“Distribution Schedule”).

6. IMR Representations. IMR represents, understands and agrees to the following: (a) theCompany only acts as a vehicle through which an IMR may purchase goods or services supplied by our Plizzel Providers ; (b) no IMR is entitled to participate in the Company’s Distribution Schedule and have the chance to receive any winnings pursuant to the Distribution Schedule unless the IMR hasbeen a player or IMR during the required time period; (c) if a IMR purchases products or services from our Plizzel Providers, the proceeds will go directly to said provider; and (d) IMR issolely responsible for the payment of all applicable federal, state and local income,unemployment, social security and other taxes and premiums and license requirements and feesattributable to IMR’s sales activities and earnings from sales commissions and from any winnings.

7. Electronic Advertising. IMRs may not use the trademarks of Plizzel or any derivative orabbreviation thereof as a Browser, domain name or email address. IMRs may not advertise or promote their Plizzel business or Plizzel’s products or marketing plan or use Plizzel’s name in anyelectronic media or transmission, including on the Internet via web sites or otherwise, withoutthe prior written approval of Plizzel, which approval may be withheld in its sole discretion. Ifwritten approval is given, IMRs must abide by the guidelines set forth by Plizzel, including, butnot limited to the following: (a) IMRs shall not make offers or solicitations in the guise ofresearch, surveys or informal communication, when the real intent is to sell products or servicesor sponsor IMRs; (b) IMRs operating on-line web sites, whether or not they collect personalinformation from individual consumers, shall disclose to the consumer in a prominent place onthe website how the consumer information will be used; (c) IMRs sharing personal informationcollected on-line shall provide individual consumers with an opportunity to prohibit thedissemination of such information, and if any consumer requests that his or her personalinformation not be shared, IMRs shall refrain from sharing such information; (d) IMRs shallprovide individual consumers the option to terminate any further communication between theIMR and the consumer and if any consumer requests that a IMR cease communication, the IMRshall immediately stop communicating upon such request; (e) IMRs must abide by all laws andregulations regarding electronic communications; (f) IMRs may not distribute content by use ofdistribution lists or to any person who has not given specific permission to be included in such aprocess; spaming or distribution of chain letters or junk mail is not allowed; (g) IMRs may notdistribute content that is unlawful, harassing, libelous, slanderous, abusive, threatening, harmful,vulgar, obscene or otherwise objectionable material or which could give rise to civil liability orotherwise violate any applicable local, state, national or international law or regulation; and (h)IMR may not, directly or indirectly, send bulk unsolicited e-mails to persons with whom he orshe have no prior or existing personal or business relationship.

8. Compensation. Any compensation the IMR receives from the Company is related solely tothe sale of products and services. There is no compensation paid by the Company forsponsoring new IMRs or for the purchase or sale of goods or services of Plizzel Providers. IMR is not guaranteed any income, profits or success from the Company in connection with its business or the purchase of goods or service of Plizzel Providers by IMR or other members.

9. No Purchases Required. There is no requirement that a IMR purchase goods or services from out Plizzel Providers in order to be a IMR and earn commissions from Subscription sales pursuant to the Compensation plan.

10. Restrictions. IMR shall make no statements, representations or disclosures in promotingthe Company, in sponsoring or training IMRs or in selling the Company’s goods or services, or in anydiscussions regarding the purchase of same, other than what is expressly and currentlypermitted in literature produced by the Company. IMR SHALL MAKE NO CLAIMS ORREPRESENTATIONS OF ACTUAL OR POTENTIAL EARNINGS, GUARANTEED ORANTICIPATED PROFITS OR SALES SUCCESS.

11. Use of Information-Company Promotions. IMR grants the Company the perpetualirrevocable worldwide right and license to use and display IMR’s name, biographicalinformation, photo, likeness and/or recorded voice in any media for an unlimited number oftimes without compensation except where prohibited by law. IMR agrees to execute suchdocuments as may be reasonably requested by the Company, in connection with the DistributionSchedule and any winnings resulting therefrom.

12. Proprietary Rights/Use of Company Materials. IMR acknowledges that the Company’strademarks, service marks, tradenames, patents and copyrighted materials are owned solely bythe Company, and that use of such marks and materials by IMR must be in compliance with theCompany’s written policies, as such may be amended by the Company from time-to-time. IMRagrees to use only written, recorded or other promotional or advertising materials which havebeen produced by the Company and/or approved in writing by the Company prior to use and bearits approval designation which has not been revoked or modified by the Company. IMR furtheragrees that the Company has the exclusive proprietary interest in its customer lists, IMR lists,source codes, products and in all operating, financial and marketing materials; and that all suchinformation is confidential. IMR shall not use or disclose such information to any third partyexcept in strict accordance with this Agreement. IMR agrees to use his or her best efforts tokeep such information confidential and shall not use such information to sell products or servicesother than the Company’s products and services or in connection with any other business duringthe term of and after termination of this Agreement. Upon termination of this Agreement, IMRimmediately shall cease all use of the Company’s trademarks, service marks and proprietary andconfidential information and, if requested by the Company, return all such materials in IMR’spossession to the Company.

13. Sales and Use Taxes. To ensure compliance with the sales and use tax requirements ofeach state, unless otherwise mandated by state law, the Company shall collect and remit allapplicable sales and use taxes on products and services sold by the Company to IMR, based uponthe suggested retail price of the product. The applicable rate of tax due shall be based on theaddress to which the product is shipped and/or where services are performed.

14. Refunds. IMR is eligible to receive a refund for products, services and literature purchasedby IMR, less a ten (10%) handling fee, if IMR chooses to terminate the Agreement and return the

products or services in resalable, currently marketable condition, within twelve (12) months ofpurchase. Commissions paid on returned products must be repaid to the Company by the IMRearning the commission. The Company does not sell goods and services to IMRs, and IMRs do notpurchase goods and services from the Company. All goods and services are purchased independently from the applicable Plizzel Provider.

15. Compliance. IMR shall abide by all applicable federal, state and local laws or regulations,and the terms of this Agreement, the current Distribution Schedule for winnings and theCompensation Plan.

16. Termination. This Agreement will be terminated upon the occurrence of any of thefollowing events: (a) upon written notice of termination by IMR to the Company; and (b) uponthirty (30) days written notice for any reason by the Company to IMR. Where state laws ontermination are inconsistent with this provision, then the applicable state law shall apply.Immediately upon termination of this Agreement, IMR shall (a) cease from representing himselfor herself as a IMR of the Company; (b) lose all rights to his or her participation and position inthe Compensation Plan, including all future commissions and earnings resulting therefrom; and(c) take all other actions reasonably required by the Company, including the discontinuance ofthe Company’s trademarks and service marks.

17. Assign ability. This Agreement may not be transferred or assigned by IMR without theprior written approval of the Company, in its sole discretion. The Company may assign thisAgreement at any time.

18. Amendment. The Company may amend this Agreement, prices for services and products,company literature, the Distribution Schedule and/or the Compensation Plan, without priornotice, at any time, effective upon publication or transmittal of such amendment in officialCompany publications, literature or voice mail, as applicable. In the event of any conflictbetween the terms of this Agreement or any other document and such amendment, theamendment shall control.

19. Independent Contractor Status. IMR is an independent contractor and not an employee,agent, partner or owner of the Company. IMR shall not be treated as an employee, agent, partneror owner of the Company for federal or state tax purposes, or with regard to workers’compensation, any state unemployment act, or any other federal, state or local statute, ordinance,rule or regulation. IMR is not authorized to bind the Company nor incur any obligation onbehalf of the Company. IMR is responsible for all liability, health, disability, workers’compensation and other insurance.

20. Venue/Governing Law. This Agreement shall be deemed entered into in the State ofCalifornia. All disputes and claims relating to The Company and The IMR Agreement shall besettled by arbitration in Riverside, CA or such other location as The Company chooses, inaccordance with the Federal Arbitration Act and the Commercial Arbitration Rules of theAmerican Arbitration Association. If you file a claim or counterclaim against The Company as aIMR, you agree to do so on an individual basis and not with any other IMRs as a class actionundertaking. The decision of the arbitrator shall be final and binding on the parties and may bereduced to a judgment in any court of competent jurisdiction. Each party to the arbitration shallbe responsible for its own costs and expenses of arbitration including legal and filing fees. Theparties agree to jurisdiction and venue before any federal or state court in the State of California.21. Endorsement. IMR understands that no attorney general or other regulatory authority ever

reviews, endorses, or approves of any service offering, product, compensation program orcompany, and IMR will make no such claims to others.

22. Indemnification/Offset. IMR agrees to indemnify and hold harmless the Company, itssubsidiaries, affiliates, and their shareholders, officers, agents, employees, and directors, fromand against any claim, demand, liability, loss, cost or expense, including, but not limited to, courtcosts or attorneys’ fees, asserted against or suffered or incurred by any of them by reason of,directly or indirectly, arising out of or in any way related to or connected with, allegedly orotherwise, IMR’s: (a) activities as a IMR; (b) breach of the terms of this Agreement; or (c)violation of or failure to comply with any applicable federal, state or local law or regulation. TheCompany shall have the right to offset any amounts owed by IMR to the Company (including,without limitation, the repayment of commissions as a result of product returns) against theamount of any commissions or bonuses owed to IMR.

23. Notice. Except as expressly set forth herein, any communication, notice or demand of anykind whatsoever which either party may be required or may desire to give to or to serve upon theother shall be in writing and delivered by electronic communication, whether by telex, telegramor copy (if confirmed in writing sent by registered or certified mail, postage prepaid, returnreceipt requested or by personal service), or by registered or certified mail, postage prepaid,return receipt requested. Any party may change its address for notice by written notice given tothe other in the manner provided in this Section. Any such communication, notice or demandshall be deemed to have been duly given or served on the date personally served, if by personalservice, on the date of confirmed dispatch if by electronic communication, or on the date shownon the return receipt or other evidence of delivery, if mailed.

24. Cumulative Remedies/Waiver. All rights, powers and remedies given to the Company arecumulative, not exclusive and in addition to any and all other rights and remedies provided bylaw. No failure or delay of the Company to exercise any power or right under this Agreement orto insist upon strict compliance by IMR with any obligation or provision shall constitute a waiverof the Company’s right to demand exact compliance therewith. Waiver by the Company can beeffective only in writing by an authorized officer of the Company.

25. Injunctive Relief. IMR agrees that upon a breach of this Agreement that the Company willbe immediately and irreparably harmed and cannot be made whole solely by monetary damages.IMR agrees that the remedy at law for any breach of any provision of this Agreement shall beinadequate and that, in addition to any other remedies, in law or in equity, it may have, theCompany shall be entitled, without the necessity of proving actual damages, to temporary andpermanent injunctive relief to prevent the breach of any provision of this Agreement and/or tocompel specific performance of this Agreement.

26. Attorneys’ Fees. The Company shall be entitled to its cost and expenses, includingreasonable attorneys’ fees, in enforcing its rights under this Agreement.

27. Severability. The terms of this Agreement are severable. If any part of this Agreement isdetermined to be unenforceable or invalid, that part of the Agreement will be interpreted inaccordance with applicable law as closely as possible in line with the original intention of bothparties of the Agreement. The remaining terms and conditions of the Agreement will remain infull force and effect.

28. Survival. The covenants and obligations of IMR to abide by the trade secrets and

confidential information covenants contained herein shall survive termination of this Agreement.

29. Entire Agreement. This Agreement, the Compensation Plan and the Distribution Schedule(all of which are incorporated herein by reference), constitute the entire agreement between IMRand the Company, supersede all prior agreements and no other promises, representations,guarantees, or agreements of any kind shall be valid unless in writing and signed by both parties.Nothing in this Agreement, express or implied, shall be deemed to confer any rights or remediesupon, nor obligate any of the parities hereto, to any person or entity other than such parties,unless so stated to the contrary. Each of the parties, to this Agreement represents and warrants that it has full power to enter into this Agreement and hasn’t assigned, encumbered, or in any manner transferred all or any portion of the claims covered by this Agreement.

30. Louisiana and Montana Residents Only. Louisiana residents may bring an action againstthe Company with jurisdiction and venue as provided by Louisiana law. A Montana residentmay cancel this Agreement within fifteen (15) days of the date of enrollment and may return thebusiness kit for a full refund within such time.

31. DISCLAIMERS, EXCLUSIONS AND LIMITATIONS.

A. THE COMPANY PROVIDES THE COMPANY SERVICE ON AN "AS IS" BASIS.THE COMPANY DOES NOT REPRESENT OR WARRANT THAT THE COMPANYSERVICE OR ITS USE (i) WILL BE UNINTERRUPTED, (ii) WILL BE FREE OFINACCURACIES OR ERRORS, (iii) WILL MEET YOUR REQUIREMENTS, OR (iv)WILL OPERATE IN THE CONFIGURATION OR WITH THE HARDWARE ORSOFTWARE YOU USE. THE COMPANY MAKES NO WARRANTIES OTHER THANTHOSE MADE EXPRESSLY IN THIS AGREEMENT, AND HEREBY DISCLAIMSANY AND ALL IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION,WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITYAND NON-INFRINGEMENT.B. THE THIRD-PARTY LINKS, SERVICES, RESOURCES AND INFORMATIONTHAT THE COMPANY PROVIDES ON OR MAKES AVAILABLE THROUGH THECOMPANY WEB SITE ARE NOT CONTROLLED BY THE COMPANY.ACCORDINGLY, THE COMPANY MAKES NO WARRANTIES REGARDING SUCHTHIRD-PARTY SERVICES, RESOURCES AND INFORMATION, INCLUDINGWITHOUT LIMITATION, WARRANTIES OF FITNESS FOR A PARTICULARPURPOSE, MERCHANTABILITY AND NON-INFRINGEMENT AND WILL NOT BELIABLE FOR YOUR USE OF OR RELIANCE ON SUCH THIRD-PARTY SERVICES,RESOURCES OR INFORMATION.C. THE COMPANY WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTYFOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, PUNITIVE OR SPECIALDAMAGES (INCLUDING DAMAGES RELATING TO LOST PROFITS, LOST DATA,LOST WINNINGS, OR LOSS OF GOODWILL) ARISING OUT OF, RELATING TO ORCONNECTED WITH THE USE OF THE COMPANY SERVICE, BASED ON ANYCAUSE OF ACTION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCHDAMAGES.D. EXCEPT FOR A BREACH OF A PARTY'S REPRESENTATIONS ANDWARRANTIES UNDER THIS AGREEMENT OR IN CONNECTION WITH YOURINDEMNITY OBLIGATIONS UNDER THIS AGREEMENT, IN NO EVENT WILL THE

LIABILITY OF EITHER PARTY IN CONNECTION WITH THIS AGREEMENT

EXCEED THE GREATER OF (i) THE AMOUNT PAID BY THE COMPANY TO YOUDURING THE SIX MONTHS IMMEDIATELY PRECEDING THE EVENT THATGIVES RISE TO SUCH LIABILITY OR (ii) $100 USD.E. THE COMPANY AND ITS PERSONNEL MAKE NO WARRANTIES ORREPRESENTATIONS AS TO THE ACCURACY OR COMPLETENESS OF THEINFORMATION OR ITEMS IN OR RELATED TO THE SITE. THE COMPANY ANDITS PERSONNEL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANYERRORS OR OMISSIONS IN THE CONTENT OF THE SITE. THE INFORMATION INTHE SITE MAY BE OUT OF DATE, AND THE COMPANY MAKES NOCOMMITMENT TO UPDATE SUCH INFORMATION.F. YOUR ACCESS TO AND USE OF THE COMPANY SERVICE ARE AT YOURRISK. UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TONEGLIGENCE, SHALL THE COMPANY AND ANY OTHER PARTIES INVOLVED INCREATING, PRODUCING, OR DELIVERING THE SERVICE BE LIABLE FOR ANYDAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, ANY DIRECT,INCIDENTAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES) ARISINGOUT OF OR RELATED TO YOUR ACCESS TO, USE OF, OR INABILITY TO ACCESSOR USE THE SITE, OR OTHER LOCATIONS ACCESSIBLE THROUGH THE SITE,EVEN IF THE COMPANY OR A THE COMPANY AUTHORIZED REPRESENTATIVEHAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WITHOUTLIMITING THE FOREGOING, EVERYTHING IS PROVIDED TO YOU "AS IS"WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED,INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OFMERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NONINFRINGEMENT.G. THE COMPANY AND ANY OTHER PARTIES INVOLVED IN CREATING,PRODUCING, OR DELIVERING THE SITE ALSO ASSUME NO RESPONSIBILITYFOR, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO OR INTERFERENCEWITH EQUIPMENT, PROGRAMS, FILES, OR OTHER PROPERTY (FOR EXAMPLE,FROM VIRUSES) WHETHER SUCH DAMAGES ARE RELATED TO ACCESS ORUSE OF THE SITE OR OTHER LOCATIONS ACCESSIBLE THROUGH THE SITE.YOUR SOLE REMEDY FOR DISSATISFACTION WITH OR DAMAGE SUSTAINEDIN CONNECTION WITH THE SITE IS TO STOP USING THE SITE. YOURPERMISSION TO USE THE SITE MAY AUTOMATICALLY TERMINATE WITHOUTNOTICE AT THE COMPANY’S SOLE DISCRETION. PLEASE NOTE THAT SOMEJURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIEDWARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TOYOU. CHECK YOUR LOCAL LAWS FOR ANY RESTRICTIONS OR LIMITATIONSREGARDING THE EXCLUSION OF IMPLIED WARRANTIES.H. INDEMNIFICATION. YOU WILL INDEMNIFY AND HOLD THE COMPANYAND ITS EMPLOYEES, REPRESENTATIVES, AGENTS, AFFILIATES, DIRECTORS,OFFICERS, MANAGERS AND SHAREHOLDERS (THE "INDEMNIFIED PARTIES")HARMLESS FROM ANY DAMAGE, LOSS, COST OR EXPENSE (INCLUDINGWITHOUT LIMITATION, ATTORNEYS' FEES AND COSTS) INCURRED INCONNECTION WITH ANY THIRD-PARTY CLAIM, DEMAND OR ACTION

("CLAIM") BROUGHT AGAINST ANY OF THE INDEMNIFIED PARTIES INSOFARAS SUCH CLAIM ALLEGES FACTS OR CIRCUMSTANCES THAT WOULDCONSTITUTE A BREACH OF ANY PROVISION OF THIS AGREEMENT BY YOU. IFYOU ARE OBLIGATED TO PROVIDE INDEMNIFICATION HEREUNDER, THECOMPANY MAY, IN ITS SOLE AND ABSOLUTE DISCRETION, CONTROL THE

DISPOSITION OF ANY CLAIM AT YOUR SOLE COST AND EXPENSE. WITHOUTLIMITATION OF THE FOREGOING, YOU WILL NOT SETTLE, COMPROMISE ORIN ANY OTHER MANNER DISPOSE OF ANY CLAIM WITHOUT THE CONSENT OFTHE COMPANY. IF YOU ARE OBLIGATED TO PROVIDE INDEMNIFICATIONHEREUNDER, THE COMPANY MAY WITHHOLD ANY PAYMENT IT ISOTHERWISE REQUIRED TO MAKE TO YOU TO OFFSET AGAINST YOUR

INDEMNITY OBLIGATIONS.

End User License Agreement Ownership of Browser and Sites; Agreement to Terms of Use

The Effective Date of this agreement shall be the date that you complete the sign up process. Electronic Signatures in Global and National Commerce Act, 15 USC 7001-7031 requires that you consent to entering into an electronic agreement with Plizzel (“The Company”) before the agreement is executed and becomes effective. Please read the following information “carefully” before you consider accepting these terms. Should you enter into an online Player Agreement with The Company, you will not be required to submit a paper application/agreement. The entire agreement between you and The Company will be evidenced by an electronic record. It is an absolute requirement that you must agree to the use of an electronic record and you must carefully read the Terms and Conditions of this Agreement. To access these documents and submit your online application, you will need the following: A computer, wireless device, or personal digital assistant (PDA) with access to the internet and an Internet Browser. After enrolling as a player, you have the right to withdraw your consent to the use of an electronic record. However, should you do so, your Agreement with The Company will automatically be terminated and you will lose all rights to all remuneration. Should you wish to withdraw your consent to the exclusive use of an electronic agreement, you must do so by sending an e-mail to info@plizzel.com. Your email shall include your name, user id, your mailing address, and e-mail.

If you would like to request a paper copy of this Agreement you may access this document at http://www.plizzel.com and print it out. If you would like for us to mail you a copy of the Agreement, please send an e-mail request to info@plizzel.com. Each individual request must include your name, mailing address and e-mail. You will be charged $6.00 for each request.

You also agree that The Company may amend/modify the Terms and Conditions of this Agreement at any time without prior notice. By checking the box to Agree to our Terms, you consent to the use of electronic records for your Player Agreement. You will be bound by all terms and conditions. By entering into this Agreement, you also agree to be bound by the terms of this agreement for transactions entered into on your behalf by anyone acting as your Agent.

These Terms and Conditions of Use (the “Terms of Use”) apply to the Plizzel Browser and Plizzel web sites located at www.plizzel.com, and www.pevege.com and www.myvoicegames.com and all associated sites linked to www.plizzel.com by Plizzel, its sponsor company Humanarium Projects, its subsidiaries and affiliates, including Plizzel sites around the world (collectively, the “Site”). The Site is the property of Plizzel (“Plizzel”) and its licensors.

BY USING THE BROWSER OR SITES, YOU AGREE TO THESE TERMS OF USE; IF YOU DO NOT AGREE, DO NOT USE THE BROWSER OR SITES.

Plizzel reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Browser or Sites following the posting of changes will mean that you accept and agree to the changes. As long as you comply with these Terms of Use, Plizzel grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Browser or Sites.

Content

All text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork and computer code (collectively, “Content”), including but not limited to the design, structure, selection, coordination, expression, “look and feel” and arrangement of such Content, contained on the Site is owned, controlled or licensed by or to Plizzel, and is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

Except as expressly provided in these Terms of Use, no part of the Browser or Sites and no Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way (including “mirroring”) to any other computer, server, Web site or

other medium for publication or distribution or for any commercial enterprise, without Plizzel’s express prior written consent.

You may use information on Plizzels products and services (such as data sheets, knowledge base articles, and similar materials) purposely made available by Plizzel for downloading from the Site, provided that you (1) not remove any proprietary notice language in all copies of such documents, (2) use such information only for your personal, non-commercial informational purpose and do not copy or post such information on any net worked computer or broadcast it in any media, (3) make no modifications to any such information, and (4) not make any additional representations or warranties relating to such documents.

Your Use of the Browser or Sites

You may not use any “deep-link”, “page-scrape”, “robot”, “spider” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Site or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the Browser or Sites or any Content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Browser or Sites. Plizzel reserves the right to bar any such activity.

You may not attempt to gain unauthorized access to any portion or feature of the Browser or Sites, or any other systems or networks connected to the Site or to any Plizzel server, or to any of the services offered on or through the Browser or Sites, by hacking, password “mining” or any other illegitimate means.

You may not probe, scan or test the vulnerability of the Browser or Sites or any network connected to the Sites, nor breach security or authentication measures on the Sites or any network connected to the Sites. You may not reverse look-up, trace or seek to trace any information on any other user of or visitor to the Sites, or any other customer of Plizzel, including any Plizzel account not owned by you, to its source, or exploit the Browser or Sites or any service or information made available or offered by or through the Browser or Sites, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided for by the Browser or Sites.

You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Browser or Sites or Plizzel’s systems or networks, or any systems or networks connected to the Sites or to Plizzel.

You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Browser or Sites or any transaction being conducted on the Browser or Sites, or with any other person’s use of the Browser or Sites.

You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to Plizzel on or through the Browser or Sites or any service offered on or through the Browser or Sites. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.

You may not use the Browser or Sites or any Content for any purpose that is unlawful or prohibited by these Terms of Use, or to solicit the performance of any illegal activity or other activity which infringes the rights of Plizzel or others.

When using the Browser or Sites, you shall not defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others. You shall not publish, post, upload, distribute, or communicate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information. You shall not advertise or offer to sell any goods or services for any commercial purpose or conduct or forward surveys, contests, pyramid schemes or chain letters. Users of the Browser or Sites will not participate in any activity that will restrict or inhibit any other user from using and enjoying the Browser or Sites. All

communications shall respect the rights, opinions and sensitivities of others. Subjects not in support of the operation of your business, such as religious, political or social commentary should be avoided.

Purchases; Other Terms and Conditions

Additional terms and conditions may apply to purchases of goods or services and to specific portions or features of the Browser or Sites, including contests, promotions or other similar features, all of which terms are made a part of these Terms of Use by this reference. You agree to abide by such other terms and conditions, including where applicable representing that you are of sufficient legal age to use or participate in such service or feature. If there is a conflict between these Terms of Use and the terms posted for or applicable to a specific portion of the Browser or Sites or for any service offered on or through the Browser or Sites, the latter terms shall control with respect to your use of that portion of the Browser or Sites or the specific service.

Plizzel’s obligations, if any, with regard to its products and services are governed solely by the agreements pursuant to which they are provided, and nothing on the Browser or Sites should be construed to alter such agreements. Plizzel may make changes to any products or services offered on the Browser or Sites, or to the applicable prices for any such products or services, at any time, without notice. The materials on the Browser or Sites with respect to products and services may be out of date, and Plizzel makes no commitment to update the materials on the Browser or Sites with respect to such products and services.

The following terms also govern and apply to your use of the Browser or Sites, and they are incorporated herein by this reference:

Trademark Information

Copyright Information

Rights and Permissions

Claims of Copyright Infringement

Piracy Prevention

Report Piracy

Plizzel’s Unsolicited Idea Submission Policy

Software License Information

Legal Contacts

Each of these policies may be changed from time to time and are effective immediately upon posting such changes on the Site.

Accounts, Passwords and Security

Certain features or services offered on or through the Browser or Sites may require you to open an account (including setting up a Plizzel ID and password). You are entirely responsible for maintaining the confidentiality of your account information, including your password, and for any and all activity that occurs under your account. You agree to notify Plizzel immediately of any unauthorized use of your account or password, or any other breach of security. However, you may be held liable for losses incurred by Plizzel or any other user of or visitor to the Browser or Sites due to someone else using your Plizzel ID, password or account.

You may not use anyone else’s Plizzel ID, password or account at any time without the express permission and

consent of the holder of that Plizzel ID, password or account. Plizzel cannot and will not be liable for any loss or damage arising from your failure to comply with these obligations.

Privacy

Plizzel’s Privacy Policy applies to use of the Browser or Sites, and its terms are made a part of these Terms of Use by this reference. To view Plizzel’s Privacy Policy, click here. Additionally, by using the Browser or Sites, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to the Browser or Sites may be read or intercepted by others, even if there is a special notice that a particular transmission (for example, credit card information) is encrypted.

Electronic Advertising You may not use the trademarks of Plizzel, Pevege, MyPhoneGames or any derivative or abbreviation thereof as a domain name or email address. You may not advertise or promote Plizzel business or Plizzel’s products or marketing plan or use Plizzel’s name in any electronic media or transmission, including on the Internet via web sites or otherwise, without the prior written approval of Plizzel, which approval may be withheld in its sole discretion.

Links to Other Sites and to the Plizzel Browser or Sites

The Browser or Sites may contain links to other independent third-party Web sites (“Linked Sites”). These Linked Sites are provided solely as a convenience to our visitors. Such Linked Sites are not under Plizzel’s control, and Plizzel is not responsible for and does not endorse the content of such Linked Sites, including any information or materials contained on such Linked Sites. You will need to make your own independent judgment regarding your interaction with these Linked Sites.

Disclaimers

Plizzel does not promise that the site or any content, service or feature of the Browser or sites will be error-free or uninterrupted, or that any defects will be corrected, or that your use of the Browser or sites will provide specific results. The Browser or Sites and its content are delivered on an “as-is” and “as-available” basis. All information provided on the Browser or sites is subject to change without notice. Plizzel cannot ensure that any files or other data you download from the Browser or sites will be free of viruses or contamination or destructive features. Plizzel disclaims all warranties, express or implied, including any warranties of accuracy, non-infringement, merchantability and fitness for a particular purpose. Plizzel disclaims any and all liability for the acts, omissions and conduct of any third parties in connection with or related to your use of the Browser or sites and/or any Plizzel services. You assume total responsibility for your use of the Browser or Sites and any linked sites. Your sole remedy against Plizzel for dissatisfaction with the Browser or Sites or any content is to stop using the Browser or Sites or any such content. This limitation of relief is a part of the bargain between parties.

The above disclaimer applies to any damages, liability or injuries caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction of or unauthorized access to, alteration of, or use, whether for breach of contract, tort, negligence or any other cause of action.

Plizzel reserves the right to do any of the following, at any time, without notice: (1) to modify, suspend or terminate operation of or access to the Browser or Sites, or any portion of the Browser or Sites, for any reason; (2) to modify or change the Browser or Sites, or any portion of the Browser or Sites, and any applicable policies or terms; and (3) to interrupt the operation of the Browser or Sites, or any portion of the Browser or Sites, as necessary to perform routine or non-routine maintenance, error correction, or other changes.

Limitation of Liability

Except where prohibited by law, in no event will Plizzel be liable to you for any indirect, consequential,

exemplary, incidental or punitive damages, including lost profits, even if Plizzel has been advised of the possibility of such damages.

If, notwithstanding the other provisions of these Terms of Use, Plizzel is found to be liable to you for any damage or loss which arises out of or is in any way connected with your use of the Site or any Content, Plizzel’s liability shall in no event exceed the greater of (1) the total of any subscription or similar fees with respect to any service or feature of or on the Browser or Sites paid in the six months prior to the date of the initial claim made against Plizzel (but not including the purchase price for any Plizzel hardware or software products or any Plizzel marketing products, services or similar support programs), or (2) US$100.00. Some jurisdictions do not allow limitations of liability, so the foregoing limitation may not apply to you.

Indemnity

You agree to indemnify and hold Plizzel, its officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from any demands, loss, liability, claims or expenses (including attorneys’ fees), made against Plizzel by any third party due to or arising out of or in connection with your use or misuse of the Browser or Sites.

Violation of These Terms of Use

Plizzel may disclose any information we have about you (including your identity) if we determine that such disclosure is necessary in connection with any investigation or complaint regarding your use of the Browser or Sites, or to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) Plizzel’s rights or property, or the rights or property of visitors to or users of the Browser or Sites, including Plizzel’s customers. Plizzel reserves the right at all times to disclose any information that Plizzel deems necessary to comply with any applicable law, regulation, legal process or governmental request. Plizzel also may disclose your information when Plizzel determines that applicable law requires or permits such disclosure, including exchanging information with other companies and organizations for fraud protection purposes.

You acknowledge and agree that Plizzel may preserve any transmittal or communication by you with Plizzel through the Browser or Sites or any service offered on or through the Browser or Sites, and may also disclose such data if required to do so by law or Plizzel determines that such preservation or disclosure is reasonably necessary to (1) comply with legal process, (2) enforce these Terms of Use, (3) respond to claims that any such data violates the rights of others, or (4) protect the rights, property or personal safety of Plizzel, its employees, users of or visitors to the Browser or Sites, and the public.

You agree that Plizzel may, in its sole discretion and without prior notice, terminate your access to the Browser or Sites and/or block your future access to the Browser or Sites if we determine that you have violated these Terms of Use or other agreements or guidelines which may be associated with your use of the Browser or Sites. You also agree that any violation by you of these Terms of Use will constitute an unlawful and unfair business practice, and will cause irreparable harm to Plizzel, for which monetary damages would be inadequate, and you consent to Plizzel obtaining any injunctive or equitable relief that Plizzel deems necessary or appropriate in such circumstances. These remedies are in addition to any other remedies Plizzel may have at law or in equity.

You agree that Plizzel may, in its sole discretion and without prior notice, terminate your access to the Browser or Sites, for cause, which includes (but is not limited to) (1) requests by law enforcement or other government agencies, (2) a request by you (self-initiated account deletions), (3) discontinuance or material modification of the Browser or Sites or any service offered on or through the Browser or Sites, or (4) unexpected technical issues or problems.

Plizzel is entitled to recover from you, and you agree to pay, all reasonable attorneys’ fees and costs of any action resulting from your violation of these Terms of Use, in addition to any other relief granted to Plizzel. You agree that Plizzel will not be liable to you or to any third party for termination of your access to the Browser or Sites as a result of any violation of these Terms of Use.

Governing Law; Dispute Resolution

You agree that all matters relating to your access to or use of the Browser or Sites, including all disputes, will be governed by the laws of the United States and by the laws of the State of California without regard to its conflicts of laws provisions. You agree to the personal jurisdiction by and venue in the state and federal courts in Escondido, California, and waive any objection to such jurisdiction or venue. Any claim under these Terms of Use must be brought within one (1) year after the cause of action arises, or such claim or cause of action is barred. No recovery may be sought or received for damages other than out-of-pocket expenses, except that the prevailing party will be entitled to costs and attorneys’ fees. In the event of any controversy or dispute between Plizzel and you arising out of or in connection with your use of the Browser or Sites, the parties shall attempt, promptly and in good faith, to resolve any such dispute. If we are unable to resolve any such dispute within a reasonable time (not to exceed thirty (30) days), then either party may submit such controversy or dispute to mediation. If the dispute cannot be resolved through mediation, then the parties shall be free to pursue any right or remedy available to them under applicable law.

Injunctive Relief.

You agree that upon a breach of these Terms of Use that Plizzel will be immediately and irreparably harmed and can not be made whole solely by monetary damages. You agree that the remedy at law for any breach of any provision of these Terms of Use shall be inadequate and that, in addition to any other remedies, in law or in equity, it may have, Plizzel shall be entitled, without the necessity of proving actual damages, to temporary and permanent injunctive relief to prevent the breach of any provision of these Terms of Use and/or to compel specific performance of these Terms of Use.

Void Where Prohibited

Plizzel administers and operates the Browser and www.plizzel.com and www.pevege.com and www.myphonegames.com and other affiliated site from its location in Escondido, California USA; other Sites may be administered and operated from various locations outside the United States. Although the Browser and sites is accessible worldwide, not all features, products or services discussed, referenced, provided or offered through or on the Browser or Sites are available to all persons or in all geographic locations, or appropriate or available for use outside the United States. Plizzel reserves the right to limit, in its sole discretion, the provision and quantity of any feature, product or service to any person or geographic area. Any offer for any feature, product or service made on the Browser or Sites is void where prohibited. If you choose to access the Browser or Sites from outside the United States, you do so on your own initiative and you are solely responsible for complying with applicable local laws.

Miscellaneous

You may not use or export or re-export any content or any copy or adaptation of such content, or any product or service offered on the Browser or Sites, in violation of any applicable laws or regulations, including without limitation United States export laws and regulations.

If any of the provisions of these Terms of Use are held by a court or other tribunal of competent jurisdiction to be void or unenforceable, such provisions shall be limited or eliminated to the minimum extent necessary and replaced with a valid provision that best embodies the intent of these Terms of Use, so that these Terms of Use shall remain in full force and effect. These Terms of Use constitute the entire agreement between you and Plizzel with regard to your use of the Browser or Sites, and any and all other written or oral agreements or understandings previously existing between you and Plizzel with respect to such use are hereby superseded and cancelled. Plizzel will not accept any counter-offers to these Terms of Use, and all such offers are hereby categorically rejected. Plizzel’s failure to insist on or enforce strict performance of these Terms of Use shall not be construed as a waiver by Plizzel of any provision or any right it has to enforce these Terms of Use, nor shall any course of conduct between Plizzel and you or any other party be deemed to modify any provision of these Terms of Use. These Terms of Use shall not be interpreted or construed to confer any rights or remedies on any third parties.

Plizzel provides access to Plizzel international data and, therefore, may contain references or cross references to Plizzel products, programs and services that are not announced in your country. Such reference does not imply that Plizzel in your country intends to announce such products, programs or services.

Feedback and Information

Any feedback you provide at this site shall be deemed to be non-confidential. Plizzel shall be free to use such information on an unrestricted basis.

The information contained in this web site is subject to change without notice.

Copyright © 2009\Plizzel and Humanarium Project. All rights reserved.

Updated: Wednesday, August 5, 2009

PLIZZEL SOFTWARE LICENSE AND SUBSCRIPTION SERVICE AGREEMENT

CAREFULLY READ THE FOLLOWING LEGAL AGREEMENT BEFORE DOWNLOADING ANY PLIZZEL SOFTWARE. BY DOWNLOADING THIS SOFTWARE YOU ARE AGREEING TO BE BOUND BY THE TERMS OF THIS SOFTWARE LICENSE AND SUBSCRIPTION SERVICE AGREEMENT (THE "AGREEMENT"). IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT, DO NOT DOWNLOAD THIS SOFTWARE FROM PLIZZEL.

IT IS RECOMMENDED THAT YOU PERFORM OCCASIONAL TEST RESTORES AND FAMILIARIZE YOURSELF WITH THE OPERATION OF THE SOFTWARE BEFORE AN EMERGENCY SITUATION ARISES.

1. LICENSE: The software covered by this Agreement is the software program and documentation accompanying this License, whether on disk, in read only memory, on any other media or in any other form, and if you have downloaded the software, the licensed software includes all files, images contained in or generated by the software and accompanying data (collectively, the "Software"). Plizzel grants to you a non-exclusive limited license to install and use the Software for the sole purpose of connectivity to the Plizzel Browser and Sites as the Service (the “Service”).

2. RESTRICTIONS. You shall not transfer, distribute, rent, lease, sublicense, assign, copy, modify, reverse compile, disassemble, or otherwise reverse engineer or attempt to reconstruct the Software, in whole or in part. You may only use the Software in connection with specified Plizzel Services.

3. OWNERSHIP. This Agreement gives you limited rights to use the Software. You do not own the Software. All rights, title and interest in and to the Software not specifically granted in this license belong to Plizzel, including, without limitation, US and international copyright and trade secret rights.

4. TERM AND TERMINATION. This Agreement is effective until terminated. This Agreement will automatically terminate, without notice to you, if you fail to comply with any term of this Agreement, including the non-payment of Monthly Service Fees. You may terminate this Agreement at any time by discontinuing service with Plizzel. To discontinue service, you must give Plizzel written notice by logging-in to your subscriber's account management page at https://www.plizzel.com/account and canceling your Plizzel Subscription. You will be able to select an immediate or future specific termination date. YOU AGREE THAT UPON ACCOUNT TERMINATION, YOU ARE AUTHORIZING PLIZZEL TO DELETE ALL ASSOCIATED BACKUP FILES AND DATA FROM OUR SERVERS.

5. USE OF SERVICE. Use of this Service consists of the right of a Subscriber of the Service (“Subscriber”) to access and use the Plizzel Management Software. The Service is made available by Plizzel to Subscriber during the period Subscriber maintains a paid subscription to the Service. Subscriber must maintain a current license of Plizzel’s Software for Services where software is required to provision access.

6. SERVICE FEES. Subscriber shall pay in advance any registration or service fees and other charges incurred by Subscriber at the rates in effect for the billing period in which those charges are incurred. For situations where credit card payment is utilized, Subscriber shall maintain a current authorization for Plizzel to debit Subscriber’s credit card account for such amounts. In addition, Subscriber shall provide Plizzel a current street address and Internet e-mail address for all communications and shall notify Plizzel of any change of address. Subscriber shall pay all applicable taxes related to use of the Service by Subscriber. For situations where the Subscriber’s credit card issuing financial institution has been notified of a payment dispute, said Subscriber agrees that proof of Service usage by Subscriber constitutes Subscriber authorization to submit payment request to Credit Card issuing financial institution. Cybershoplifters (thieves who make

legitimate purchases on the Internet with a valid credit card and then deny they placed the orders, or claim that the merchandise/service received is not what they expected) will be prosecuted. EACH OCCURRENCE OF A SUBSCRIBER-INITIATED CREDIT CARD CHARGE BACK (a sale reversal that occurs when a customer contacts his or her credit card-issuing bank or credit card company to request a refund for a purchase that they or someone else made on their credit card) WILL RESULT IN A $30.00 ADMINISTRATIVE FEE ASSESSED TO THE SUBSCRIBER’S ACCOUNT. Plizzel may, in addition, at its sole discretion and without notice to the Subscriber, (a) suspend its performance under this Agreement and deny Subscriber's access to and use of the Service until Subscriber is back in good standing, or (b) terminate this Agreement and Subscriber's access to and the use of the Service. Further, Plizzel may cancel the Service to Subscriber without cause upon thirty (30) days prior written notice. Subscriber must provide Plizzel with written notice of Subscriber’s intent to terminate use of the Service. A cancellation notice can be submitted from the Subscriber’s account management page on the Plizzel web site at https://www.plizzel.com/account. At the time of cancellation, Plizzel will not provide a refund for any unused portion of the Services paid in advance by Subscriber.

Plizzel reserves the right to modify and change Service fees at any time. SUBSCRIBER AGREES THAT PLIZZEL WILL BILL SUBSCRIBER FOR THE MONTHLY FEE APPLICABLE.

7. PASSWORDS. Subscriber is solely responsible for maintaining the confidentiality of Passwords, including restricting the use of the Passwords by Subscriber’s designated users. Subscriber shall be responsible for all use of the Service accessed through Subscriber’s Password. PLIZZEL IS NOT RESPONSIBLE FOR PROVIDING SUBSCRIBER WITH PASSWORDS IN THE EVENT OF A FORGOTTEN PASSWORD. WITHOUT THE CORRECT PASSWORD, SUBSCRIBER’S ACCESS TO THE SERVICES MAY BE LIMITED..

8. COMMUNICATIONS CIRCUITS. Subscriber is responsible for and must provide all telephone or other communication equipment and services necessary to access the Service.

9. UNLAWFUL MATERIALS. Subscriber shall not use the Service for possession or transmission of any information, the possession, creation or transmission of which violates any state, local or federal law, including without limitation, stolen materials, obscene materials or child pornography. SUBSCRIBER’S FILES MAINTAINED BY PLIZZEL ARE SUBJECT TO EXAMINATION BY LAW ENFORCEMENT OFFICIALS OR OTHERS WITHOUT SUBSCRIBER’S CONSENT UPON PRESENTATION TO SUBSCRIBER OR PLIZZEL OF A SEARCH WARRANT OR SUBPOENA.

10. EXPORT CONTROLS. Subscriber acknowledges that the Software contains encryption algorithms and may be subject to restrictions and controls imposed under the export control laws and regulations of the jurisdiction in which the subscriber is using the Software and may not be exported, acquired, shipped, transferred or re-exported, directly or indirectly, to (i) any country or region prohibited under such laws and regulations or (ii) any end user who has been prohibited from participating in the export transaction under such laws or regulations. In particular, the Software is subject to regulations respecting export permits and prohibitions on export under the laws of the United States and Canada.

11. INDEMNIFICATION. Subscriber agrees to indemnify Plizzel against liability for use of Subscriber’s account which liability is a direct result of Subscriber’s misuse or neglect use of its account (s).

12. NO OTHER WARRANTIES. SUBSCRIBER EXPRESSLY AGREES THAT USE OF THE SOFTWARE AND SERVICE IS AT SUBSCRIBER’S SOLE RISK. NEITHER PLIZZEL NOR ANY OF ITS LICENSORS, EMPLOYEES, OR AGENTS WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR FREE; NOR PLIZZEL OR ANY OF ITS LICENSORS, EMPLOYEES OR AGENTS MAKE ANY WARRANTY

AS TO THE RESULTS TO BE OBTAINED FROM USE OF THE SERVICE. EXCEPT AS EXPRESSLY PROVIDED IN THIS LICENSE, THE SOFTWARE AND SERVICE IS PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES WHICH ARE IMPLIED BY AND INCAPABLE OF EXCLUSION, RESTRICTION, OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.

13. LIMITATION OF LIABILITY. IN NO EVENT WILL PLIZZEL OR ITS RE SELLERS, DISTRIBUTORS, AGENTS OR LICENSORS BE LIABLE FOR ANY CLAIM, WHETHER IN CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, EXCEED THE AMOUNTS PAID BY SUBSCRIBER, IF ANY, FOR THE SERVICE FOR THE ONE MONTH PERIOD (IF PAYING MONTHLY) PRECEDING THE EVENT FORMING THE BASIS OF THE CLAIM. IN NO EVENT WILL PLIZZEL NOR ANYONE ELSE INVOLVED IN CREATING, DELIVERING OR MAINTAINING THE SERVICE BE LIABLE FOR ANY DAMAGES INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, LOSSES RELATED TO BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION OR LOSS OF PROFITS ARISING OUT OF SUBSCRIBER’S USE OF OR INABILITY TO USE THE SOFTWARE OR SERVICE, OR OUT OF ANY BREACH OF WARRANTY, EVEN IF PLIZZEL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR FOR ANY CLAIM BY ANY THIRD PARTY.

14. INSURANCE. Subscriber does not desire this Agreement to provide liability for loss or damage due directly or indirectly to occurrences, or consequences there from, which the service is designed to deter or avert. If subscriber desires additional liability coverage, it shall be the subscriber’s sole responsibility to secure it from an insurance carrier or other agency of subscriber’s choice, at subscriber’s own expense. Subscriber shall bring no suit against Plizzel as a result of any loss arising from this Agreement.

15. ASSIGNMENT. Plizzel shall have the right to assign this Agreement to any person, firm or corporation, without prior consent.

16. EXCLUSIVE REMEDY. In the event a court of competent jurisdiction determines that the "Insurance," "Limitation of Liability," and/or "No Other Warranties" section (s) of this Agreement are invalid and Plizzel should be found liable for loss or damage due to failure of the services provided under this Agreement, Plizzel’s liability shall be limited to the Subscriber’s fees paid, if any, for the Service for the 12 month period (if paying annually) or the 3 month period (if paying quarterly) or the 1 month period (if paying monthly) preceding the event forming the basis of the claim, as agreed upon liquidated damages and not as a penalty. Because of the nature of the services rendered and the system as a whole, it is impractical and extremely difficult to determine the actual damages, if any, which may result from failure on the part of Plizzel to perform its responsibilities under this Agreement. Such liquidated damage is the exclusive remedy for any failure of the services, and the provisions of this paragraph shall apply if loss or damage, irrespective of cause or origin, results directly or indirectly to a person or property from the performance or nonperformance of any obligation of Plizzel from negligence, active or otherwise, of Plizzel, its agents or employees. It is intended and expressly agreed that the purpose of the preceding provisions are to set an upper limit to the amount recoverable by subscriber and to fix liability of Plizzel at a specific sum not to exceed the fees paid to Plizzel for the prior twelve, three or one month(s) of service, whichever is applicable.

17. ENTIRE AGREEMENT. This Agreement and any additional Operating Rules or Requirements published by Plizzel from time to time constitute the entire and only agreement between Plizzel and Subscriber (including Subscriber’s designated users) with respect to the Software and Service. This Agreement supersedes all other communications and agreements with regard to the subject

matter hereof. Upon notice published over the web sites, Plizzel may modify this Agreement, the Operating Rules or Requirements or prices, and may discontinue or revise any or all other aspects of the Service at its sole discretion and without advance notice. Unless otherwise agreed, Subscriber’s right to use the Service or to designate users is not transferable and is subject to any limits established by Plizzel.

18. CONTROLLING LAW AND SEVERABILITY. This Agreement is performable in Escondido, California and governed by the laws of the State of California without reference to its conflict of laws rules. Any legal action concerning this Agreement shall be brought in the state and federal courts located in Escondido, California. If any provision of this Agreement is determined to be invalid, all other provisions shall remain in full force and effect.

Plizzel Frequently Asked Questions (FAQ’s)

Q - Why are players of the Plizzel Game required to play after they start the game?

A - Actually, they are not required to play. But, because this is a life skill game, like life, if you don’t participate you can’t win. We give small Slacker Bump penalties along with reminders to players that neglect their chosen Plizzel Matrix.

Q - Can I still play Plizzel?

A - Yes! Once you become a Plizzel player your account stays open even if there is a zero balance. You never go in the whole as long as you maintain your Plizzel Game Software.

Q - What does Plizzel charge to stay in the game?

A - Only your monthly subscription fee depending on which Plizzel Matrix you have chosen.

Q - Can I set up my own Plizzel Matrix, with my own rules and payout structure?

A - Yes! We will encourage you to do that once you have reached the “Grand Master” level and we will give you full support in developing your personalized Plizzel Matrix through forums and chat rooms on the Plizzel Browser and web sites.

Q - Is it legal for me to play Plizzel anywhere?

A - As of now, yes! But beware of anything the government does in the future. They love sticking their nose in everyone’s business, especially if they aren’t using government help. Just pay all your taxes and maybe they will leave us alone. If they don’t, at least we will have an educated group to fight back with should something come along to harm us.

Q - Can Plizzel improve my odds of winning?

A - Every step of the way in the game is a lesson to show you how to win as quickly as possible. This is our main purpose in the game’s design.

Q - How can I make money building a business while building my team of players at the same time?

A - Every Player using the Plizzel Management Software (PMS) has the option to become an Independent Marketing Representative (IMR) by choosing a Plizzel Matrix in the upper Plizzel Matrix level. Each IMR receives a more feature-rich version of the PMS application, while also gaining access to important online marketing tools to assist with growing their business and increasing the number of players in their Matrix. For example in the $25 Matrix a $5.00 ongoing commission is paid for each personal subscription enrolled by an IMR. Each IMR can qualify for management override bonuses paid through seven Levels of players who join their Plizzel Matrix. The commissions and override bonuses are paid for each play period a Player or IMR renews the PMS subscription. Plizzel is the smart way to play and use your weisure time properly.

Q -Nobody referred me to Plizzel. I found your site while surfing the internet. If I play, who shares in the override bonuses?

A - There is a part of the game that is a little like a lottery. The Players choose a Whimster when first becoming a Player or IMR. The winning Whimster group will be assigned this type of player and then some questions will be sent to this group until a winner is determined by their answers. The new Player is then placed in the Matrix at this point.

Q - What is a Direct Referral Line, and how does it affect my share of winning?

A - The Direct Referral line is when a Player or IMR markets a product or service outside any of the Plizzel Matrixes without that person or company becoming a Player or IMR in the Plizzel Games. The winnings or commissions will be added to your Plizzel account and not shared with your up line or down line. It will count for your overall total.

Q - How and when do I receive the products or service I purchased?

A - Each product or service will have posted terms and conditions to review before you commit to any action.

Q - Why does it take time for my selections to become active?

A - Some selections are immediate and others are determined by market, shipping or technical matters. Plizzel will maintain both a tracking system and help section on the Plizzel Browser and the Web Sites.

Q - Can I join by mail or phone?

A - Yes, if you set up an account with Plizzel? This information will be on the Plizzel Browser and the Plizzel web sites.

Q - Are product and services available on a subscription basis?

A - Everything we do in the Plizzel Matrixes is available on a subscription basis and Players and IMR’s are encouraged to take advantage of this service.

Q - Does Plizzel market products or services directly through the company?

A - No! Our only product is our software for Players and IMR’s.

Q - I want to play in more than one Matrix. Can I do that?

A - Yes! In fact, that is the point of the whole Plizzel Game. Master all of the Matrixes and you will have solved most of your individual financial problems forever.

Q - Why does Plizzel impose a $25 per month licensing fee for each Matrix?

A - This fee covers the leveraging Matrix for each situation. Most of it is passed on to the Players and IMR’s.

Q - What is the refund policy for Plizzel?

A - Plizzel is committed to exceptional customer services in all of our dealings. Should a subscriber to the Plizzel Management Software desire to cancel their service and receive a refund, the user first submits a writtennotification. They are eligible for a 100% refund of the latest month’s subscription cost. Only the cost ofgoods or services will not be available for a full refund.

Q - As an Independent Marketing Representative (IMR) do I receive a check each month for the commissions and override bonuses due me?

A- All IMRs must utilize a third-party financial services company, PayPal or any other financial service company contracted with Plizzel for the electronic transfer of any winnings, commissions or override bonuses due to them.

Q - Is there any charge for the International Payout Systems services?

A - Yes, there are monthly “banking” fee for the IPS services.

Q - When are winnings, commissions or override bonuses paid?

A - Winnings, commissions and override bonuses earned are calculated on the last Monday of each month. At that time, all funds are transferred into an IMR’s v-Wallet. An Independent Marketing Representative (IMR) can request funds, at any time. Plizzel pays Withdrawal Requests on the first or third Monday of each month. If any of the above days fall on a recognized holiday, requests for payouts will be processed on the following business day.

Q - What about children’s policy?

A - Everything negative concerning children is separated clearly and requires an adult registration. See the Plizzel Privacy Policy on the site for the details. You can still play but only in sections that are appropriate. We are very careful. In fact educational about the content. The Plizzel Privacy Policy is available for you when you play. We are hoping to attract young players. Slacker Bumps penalize and train young players if they try to access any information not appropriate for their age. See the Plizzel Privacy Policy.

Q - Is there a registration requirement with Plizzel?

A - Yes! Both Players and IMR’s are required to registered because of financial disclosure laws that you and Plizzel must comply with to stay out of legal trouble. These disclosures are just the basics and we make sure your information is safe. You should read the Plizzel Privacy Policy on the site if you are concerned. Go to the site and download or just read the Plizzel Privacy Policy if you are concerned. You’ll see your information is safe.

Q - How does Plizzel use my personal information?

A - By knowing a little about you, Plizzel is able to deliver more relevant content and a better service to you. Only Plizzel and your chosen Matrix Provider has access to individuals’ accounts. Telephone numbers and e-mail addresses will only be used to contact you regarding winning something in the game or contest or to notify you of personal account information or deliveries by Matrix Providers.

Q - I don’t understand the Plizzel Matrix. Can you explain it to me?

A - Each Matrix is different but basically it is the amount of reward or “Plash” won in the game by bringing in new players and IMR’s. If you are in either the Upper Matrix or Lower Matrix you have amounts that you receive based on your finding and training other game players and IMR’s. (Independent Marketing Representatives). You get credit for bringing in others according to the design of the Matrix.

Q - What about these adult and gambling Matrixes. Do I have to use them?

A - No! These can cause you to have Slacker Bumps. These are penalty payments in Plash. You would rather go to other Plizzel Matrixes, right? But some people are doing this anyway and this is just a better way of dealing with their addiction. They are just there as examples of Negative Capitalism. The point of Plizzel is to use Positive Capitalism to win.

Q - I don’t want to sell pens. Can I still play Plizzel?

A - Of course. Just pick a Matrix that you feel you can handle. In fact, let them pick what they want. You aren’t selling pens. You are only introducing people to the Matrix. It’s their job to pick the Matrix that is best for them. You need to play Plizzel anyway you want to win. We can only give you options. Just get a copy of the Plizzel manual and it will help you win.

Q - Is there anything special I should know before I start playing Plizzel?

A - Just basic computer skills will get you through the game. It would be good if you know about business methods. If you can, start out as an IMR+. You’ll see what that is on the web site.

Q - What are the technical requirement to play Plizzel?

A - You need either a computer, a phone, a PDA or any way to hook up to the Internet. That’s all you need. Any Internet Device.

Q - How do I play Plizzel?

A - Just become a player and a big part of the game is teaching you how to play Plizzel.

BIBLIOGRAPHY

The complete works of Ayn Rand

Walden and Civil Disobedience - Henry David Thoreau

The philosophy of John Stuart Mill

The Wealth of Nations - Adam Smith

The complete works of Rose and Milton Friedman

A history of western philosophy - Bertrand Russell

Selected works of Aristotle

The Constitution of The United States of America

Trilateral over Washington - Anthony C. Sutton & Patrick M. Wood

The complete works of Karl Marx and Frederick Engels

Gulag Archipelago (both volumes) - Aleksandr Solzhinitsyn

The Prince – Machiavelli

The Bible - King James Version

The Sacred Mushroom and the Cross - John Marco Allegro

The Quran – Mohammed

The Dagger of Islam – John Laffin

Art of War - Sun Tzu

HAVE: Business Opportuni ty - Internet Matr ix Real Estate Software 30% equi ty posi t ion avai lable

WANT: Free & Clear Property or Angel Investor

The Terraf i rmat ion Development Company is based on a re t i rement dream. The owner asked himself , “What would be my perfect re t i rement l i fes tyle .” At 66, with a lot of soul searching and meditat ive thinking he came up with a new way to do real es ta te to make this re t i rement dream come true. With a background in both Real Estate and Computer Programming, he used both l i fe experiences and discipl ines to design Pl izzel . Some of the most important e lements of his desired ret i rement plan were as fol lows: 1 . Must be fun. 2 . Must be mobile . 3 . Must create an income. 4 . Must have a posi t ive purpose in the World. 5 . Must be chal lenging without being unheal thy or overly s t ressful .

The Internet Game Pl izzel is designed with new Matr ix configurat ions to create re-s idual income for the players and special real es ta te developments that ut i l ize both invest-ment and ret i rement pr inciples . The game is highly educat ional and is a t ra ining camp for budding entrepreneurs . The reverse Matr ix is designed to introduce Internet social networking par t ic ipants to a way of creat ing income during their le isure t ime. This game can also be used to supplement seniors’ income and give them something fun to do while touring the country. The funds wil l be used to complete the programming and third par ty development costs to accelerate the t ime for re lease of the sof tware. Current ly the sof tware is in Beta Test mode. The game wil l be played on an in-house pr ivate browser. Al l of the devices that are Internet connected wil l have the game feature . The I-phone wil l be the f i rs t developed.The web s i tes to s tar t with are as fol lows: www.pl izzel .com www.cloudancing.com

CONTACT: Barry Bowdidge 619-581-8666 humanarium@hotmail .com

Independent Contractor's AgreementThis Independent Contractor's Agreement ("Agreement") is made this ____ day of _________, 2009, by and between __________________________________________, a ________ corporation ("Corporation"), and ________________________, an independent contractor ("Contractor"), in consideration of the mutual promises made herein, as follows:Article 1.Term Of AgreementThis Agreement will become effective on _______________, 2009, and will continue in effect *until the services provided for herein have been performed. *until terminated as provided herein. *for a period of ___________ years unless sooner terminated.Article 2.Services to be Performed by Contractor2.1. Specific Services. Contractor agrees to [DESCRIBE IN DETAIL THE SERVICES TO BE PERFORMED] OR Contractor agrees to perform the services specified in the"Description of Services"attached to this Agreement as Exhibit A and incorporated herein by this reference.2.2. Method of Performing Services. Contractor will determine the method, details, and means of performing the above-described services.2.3. Employment of Assistants. Contractor may, at Contractor's own expense, employ such assistants as Contractor deems necessary to perform the services required of Contractor by this Agreement. Corporation may not control, direct, or supervise Contractor's assistants or employees in the performance of those services.Article 3.Compensation3.1. Commission. In consideration for the services to beperformed by Contractor,Corporation agrees to pay per attached commission schedule.Agreement.3.2. Date for Payment of Compensation. For services rendered under this Agreement,Corporation agrees to pay Contractor the commissions agreed upon in attached commission schedule every week on the previous weeks sales. Contractor will submit to Corporation a statement of services rendered at the end of each week. Article 4.Obligations of Contractor4.1. Minimum Amount of Service. Contractor agrees to devote a minimum of _______ (__) hours per month to the performance of the above described services. Contractor may represent, perform services for, and be employed by such additional clients, persons,or companies as Contractor, in Contractor's sole discretion, sees fit.4.2. Hours During Which Services May be Performed.Contractor agrees to perform the above-described services on Corporation's premises during Corporation's regular business hours.4.3. Tools and Instrumentalities. Contractor will supply all tools and instrumentalities required to perform the services under this Agreement.4.4. Indemnify. Corporation will indemnify and hold Contractor free and harmless from any obligations,costs, claims, judgments, attorneys' fees, and attachments arising from, growing out of, or in any way connected with the services rendered to Corporation under the terms of thisAgreement, unless Contractor is judged by a court ofcompetent jurisdiction to be guilty of willful misconduct.4.5. Assignment. Neither this Agreement nor any duties or obligations under thisAgreement may be assigned by Contractor without the prior written consent of Corporation.

Article 5.Obligations of Corporation5.1. Cooperation of Corporation. Corporation agrees to comply with all reasonable requests of Contractor [and to provide access to all documents reasonably] necessary to the performance of Contractor's duties under this Agreement.5.2. Place of Work. Corporation agrees to furnish space on Corporation's premises for use by Contractor while performing the above-described services.5.3. Assignment. Neither this Agreement nor any duties or obligations under this Agreement may be assigned by Corporation without the prior written consent of Contractor.Article 6.Termination Of Agreement6.1. Expiration of Agreement. Unless otherwise terminated as provided herein, this Agreement shall continue in force for a period of _______________ months/years OR Termination Upon Notice. Notwithstanding any otherprovisions of this Agreement, either party hereto may terminate this Agreement at any time by giving_________________________ written notice to the other party.Unless otherwise terminated as provided herein, this Agreement shall continue in force for a period of ___________ months/years. 6.2. Termination on Occurrence of Stated Events. This Agreement shall terminate automatically on the occurrence of (1) bankruptcy or insolvency of either party; (2) sale of the business of either party; (3) death of the Contractor; or (4) assignment of this Agreement by either party without the express written consent of the other party.6.3. Termination by Corporation for Default of Contractor. Should Contractor default in the performance of this Agreement or materially breach any of its provisions, Corporation, at Corporation's option, may terminate thisAgreement by giving written notification to Contractor. For the purposes of this paragraph, material breach of this Agreement shall include, but not be limited to,__________________________________________________________.6.4. Termination by Contractor for Default of Corporation. Should Corporation default in the performance of this Agreement or materially breach any of its provisions, Contractor, at Contractor's option, may terminate this Agreement by giving written notification to Corporation. For the purposes of this paragraph, material breach of this Agreement shall include, but not be limited to, ___________________________________________.6.5. Termination for Failure to Make Agreed-Upon Payments. Should Corporation fail to pay Contractor all or any part of the compensation set forth in Paragraphs 3.1 and 3.2 of this Agreement on the due date, Contractor, at Contractor's option, may terminate this Agreement if the failure is not remedied by Corporation within thirty (30) days from the date payment is due.Article 7.General Provisions7.1. Notices. Any notices to be given hereunder by either party to the other may be effected either by personal delivery or by mail, registered or certified, postage prepaid with return receipt requested. Mailed notices shall beaddressed to the parties at the addresses appearing in the introductory paragraph of this Agreement, but each party may change that address by written notice in accordance with this paragraph. Notices delivered personally shall be deemed communicated as of the date of actual receipt; mailed notices shall be deemed communicated as of three (3) days after the date of mailing.7.2. Entire Agreement. This Agreement supersedes any and all agreements, either oral or in writing, between the parties hereto with respect to the rendering of services by Contractor for Corporation, and contains all of thecovenants and agreements between the parties with respect to the rendering of such services in any manner whatsoever. Each party to this Agreement acknowledges that no representations, inducements, promises, oragreements, orally or otherwise, have been made by any party, or anyone acting on behalf of any party, which are not embodied herein, and that no other agreement, statement, or promise not contained in this Agreement shall be valid or binding. Any modification of this Agreement will be effective only if it is in writing signed by the party to be charged.

7.3. Partial Invalidity. If any provision of this Agreement is held by a court of competent jurisdiction to be invalid, void, or unenforceable, the remaining provisions shall nevertheless continue in full force without being impaired or invalidated in any way.7.4. Payment of Moneys Due Deceased Contractor. If Contractor dies prior to the completion of this Agreement, any moneys that may be due Contractor from Corporation under this Agreement as of the date of death shall be paid to Contractor's executors, administrators, heirs, personal representatives, successors, and assigns.7.5. Arbitration. Any controversy between the parties hereto involving the construction or application of any of the terms, covenants, or conditions of this Agreement will, on the written request of one party served on the other, be submitted to arbitration. The arbitration will comply with and be governed by the provisions of the California Arbitration Act, Sections 1280 through 1294.2 of the California Code of CivilProcedure.The parties will each appoint one person to hear and determine the dispute and if they are unable to agree, then the two persons so chosen will select a third impartial arbitrator whose decision will be final and conclusive on both parties. The cost of arbitration will be borne in such proportions as the arbitrators decide. OR Any controversy or claim arising out of or relating to this Agreement or the breach thereof will be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.7.6. Attorneys' Fees. If any action at law or in equity, including an action for declaratory relief, is brought to enforce or interpret the terms of this Agreement, the prevailing party shall be entitled to reasonable attorneys' fees, which may be set by the court in the same action or in a separate action brought for that purpose, inaddition to any other relief to which that party may be entitled.7.8. Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of California.

Executed at _____________________, California, on the date and year first written above.

"Corporation" __________________________________, a _____________corporationBy: ________________________________

"Contractor" ____________________________________

By:________________________________

PLIZZEL LAND

CONTRACT AGREEMENT

This contract is made and entered into by and between:

The Humanarium Project , a Cal i fornia non prof i t corporat ion (sel ler) whose address is :

1341 E. Val ley Parkway, Sui te 152, Escondido, Cal i fornia , 92027 hereaf ter cal led the

Vendor. and _____________________________________________________(Buyer)

whose address is : _________________________________________________________

hereaf ter cal led the Vendee Witnesseth: The Vendor, for himself , h is heirs and assigns, does hereby agree to sel l to

the Vendee, their heirs or ass igns, the fol lowing real es ta te commonly known as:

___________________________________________________________________________

__________________and fur ther descr ibed: as :

___________________________________________________________________________

___________________________________________________________________________

___________________________________________________________________________

__________________________________________________________________________

together with al l appurtenances, r ights , pr ivi leges and easements and all buildings and fixtures in their present condition located upon said property.

1. CONTRACT PRICE. METHOD OF PAYMENT, INTEREST RATE:

In consideration whereof, the Vendee agrees to purchase the above described for the sum of: ______________

__________(dol lars)__________ payable as fol lows:

The sum of $____________________________________ as down payment at the time of execution of

the within Land Contract the receipt of which is hereby acknowledged, leaving principal balance owed by

Vendee of $________________________ together with interest on the unpaid balance payable in consecutive

monthly installments of $____________________________________ beginning on the ______ day of

_________________, 20 ______, and on the _______day of each and every month thereafter until said balance

and interest is paid in full. The Interest on the unpaid balance due hereon shall be (______ %) per annum

computed monthly, in accordance with a monthly amortization schedule during the life of this Contract.

Payments shall be made to the Vendor at the location above, unless otherwise directed by the Vendor, and such

payments shall be credited first to the Interest, and the remainder to the principal or other sums due. The total

amount of this obligation, both principal and interest, unpaid after making any such application of payments as

herein receipted shall be the interest bearing principal amount of this obligation for the next succeeding interest

computation period. If any payment is not received within __________________________ (_____) days of

payment date, there shall be a late charge of (____%) percent assessed. The Vendee may pay the entire balance

due under this contract without prepayment penalty.

2. ENCUMBRANCES:

Said real estate is presently not subject to a mortgage, and neither Vendor nor Vendee shall place any mortgage

on the premises in excess of this Land Contract balance without prior written consent of the other party.

3. REAL ESTATE TAXES:

Real estate taxes shall be the responsibility of the Vendee as of the date of the execution of this agreement. Said

taxes shall be escrowed and added to the principal and interest payment required hereunder.

4. ASSIGNMENT:

The Vendee shall not sell, assign, or pledge their interest in this Land Contract without the Vendor’s written

consent which consent shall not be unreasonably withheld.

5. DELIVERY OF DEED:

Upon full payment of this contract, the Vendee shall receive a General Warranty deed to the property free of all

encumbrances except as otherwise set forth.

6. DEFAULT:

If any installment payment to be made by the Vendee under the terms of this Land Contract is not paid by

the Vendee when due or within one (1) Installment thereafter, the entire unpaid balance shall become due and

collectable at the election of the Vendor and the Vendor shall be entitled to all the remedies provided for by the

laws of this state and/or to do any other remedies and/or relief now or hereafter provided for by law to such

Vendor; and in the event of the breach of this contract in any other respect by the Vendee. Vendor shall be

entitled to all relief now or hereinafter provided for by the laws of this state.

Failure of Vendee to maintain current the status of all real estate taxes and insurance escrow payments and/or

premiums as required herein shall permit Vendor the option to pay any such escrow amounts, premiums, taxes,

interest, and/or penalty(ies), and to add same to the next due installment payment or principal amount owing

under this contract, or to exercise any remedies available to Vendor.

Waiver by the Vendor of a default or a number of defaults in the performance hereof by the Vendee shall not be

construed as a waiver of any default, no matter how similar.

In the event that the Vendor’s interests in the property should become compromised or otherwise extinguished

for any reason, or should there be an acceleration of any debt secured by the property, the Vendee shall be

entitled to a refund of all downpayment monies paid to the Vendor, plus the principal portion of any payments

made to date, as follows: Upon notification of such conditions, Vendee agrees to suspend subsequent payments

due hereunder, and must continue to occupy the property until required to vacate by judicial order. Vendee

further agrees that any refund amounts due hereunder will be reduced by the amount of the missed payments.

Both parties agree that this shall constitute the entire liability of the Vendor, and that Vendor shall have no

liability to Vendee beyond this amount for any reason whatsoever.

7. GENERAL PROVISIONS:

There are no known pending orders issued by any governmental authority with respect to this property other

than those spelled out herein prior to closing date for execution of this agreement.

It is agreed that this Land Contract shall be binding upon each of the parties, their administrators, executors,

legal representatives, heirs and assigns.

8. SPECIAL PROVISIONS:

__________________________________________________________________________________________

__________________________________________________________________________________________

_________________________________________________________________________________________

_______________________________________________________________________________

_____________IN WITNESS WHEREOF, the parties hereby set their hands this _________ day of

________________20_____,

Link multiple bank and prepaid card accounts to your primary eWallet Transfer your commission payout/payroll to other linked bank accounts, including the ability to ACH or Wire transfer funds domestically, or wire transfer funds to your bank account outside the U.S. (strict ID)

Write a check or multiple checks: to yourself; to pay bills; or to anyone else

Instantly send money to anyone having an eWallet using their email address and instantly receive money from other eWallet Holders

Transfer funds to or between Prepaid Cards (VISA or MasterCard), cards that can be used at millions of Retail and ATM locations worldwide

Review transaction history/activity 24/7 in password-protected statements

IMPORTANT NOTE: No prepaid or ATM card of any type is needed to access the funds in your eWallet. Money in your eWallet can be transferred to your own bank account(s) anywhere in the world, or you can have a check written to you (or to others you may designate) to receive your funds.

However, we do provide you with an additional option to purchase one or more International Prepaid Cards (Visa or MasterCard) that will give you even more flexibility to move your funds, share money with family members and/or spend your earnings anywhere in the world.

This optional Prepaid Card will have an additional and separate purchase cost, its own monthly fee as well as separate usage charges that depend upon the type of transaction and where in the world that transaction takes place. See the Terms and Conditions of the Prepaid Card offered for more information on fees and costs.

Once again, this Prepaid Cad is NOT needed to transfer funds to your bank account(s).

Getting Started After entering your confidential User Name and Password, you will enter into the Account Overview page. This page gives you a summary of your eWallet and all other bank accounts, Transfer Pals and Prepaid cards you have linked to your eWallet.

Entering your eWallet Overview Page also provides:

1) Current balances of all your linked accounts

2) Access to transaction histories for all linked accounts

3) Place to start a funds transfer transaction

4) Place to Edit the information about your accounts

5) Place to add new prepaid cards to your account

6) Place to set up a Recurring Transfer

7) A log of Pending Transactions

eWALLETAn eWallet account can do the fol lowing:

8) A log of Failed Transactions

9) History of checks you have written

This page may also display Administrative Messages and has an 800 number to call if you are having problems. A Menu on the upper side of that page gives you an access to several other features. As more features are added to the eWallet system, they will appear as additional menu items. Keep an eye out for new options!

Things YOU must doFirst, click on “My Profile” in the left side menu and verify or change all the information about you that is listed. If there are blanks or errors, make the appropriate changes to correct this page as this profile is used to identify you and to fill out other pages in your eWallet.

If you are an individual, make sure you enter your Social Security Number, or if you are located outside the U.S. , you must enter a government issued ID number. If you are enrolled as a company with a Federal Tax ID number, enter the name of the Company and your Tax ID number in the places provided. A faxed copy of the ID used may be requested.

Using the many features of your eWallet After setting up your own personal Profile, you MUST provide information on either a bank account to transfer money to, or a person to write a check to in order to use the funds that have been deposited into your eWallet. This is REQUIRED to allow you to access and use your funds.

If you plan to transfer some or all of your funds to a bank account (or multiple bank accounts), you must provide the appropriate bank routing and specific bank information requested.

Please Note:

Wiring Funds is different then ACH’ing Funds. Your bank(s) will provide you with the appropriate routing numbers for each type of transaction.

To ACH funds (a lower cost money transfer option, but only available in the U.S. ), the routing number is usually located on the bottom of your bank account check along with your account number. ACH is less costly transfer option, but can take up to 3 days to reach your bank account.

If you plan to Wire funds either domestically or abroad, you must ask your bank for “Wiring instructions” and put the numbers they give you into your IPS eAccount where they are required. Wiring costs more then an ACH, but usually provides you with your funds within 24 hours.

If you plan for the IPS System to write a check (or multiple checks) from your eWallet, you must fill out the information required on the person or company you want to write a check to, whether that is to yourself or whoever else you designate.

Please Note: Whenever you provide us with requested information, eWallet remembers the last information you entered and that will be the pre-filled out selection for future transactions and only the amount you want to transfer will be required at that time.

If you have applied for, received and activated the optional Prepaid Card(s) following the directions provided with your Prepaid Card, this Prepaid Card information can now be added to your eWallet and then you will be able to move funds from the eWallet to one or more of these Prepaid Cards (some restrictions apply).

Getting Help Specific information and help to do any of the above tasks in provided by using the “Help” menu feature that is accessible once you have entered the eWallet System.

If you still have any questions, please use contact us page.

When e-mailing or leaving a voice mail message, always provide us with your name and a phone number or e-mail address we can reach you at, plus your account number (no passwords please) and the type of trouble you are experiencing. Include the date and time of day that you had the problem. Our goal is to answer your questions as soon as possible.

THANK YOU FOR USING eWALLET!

Where may I obtain a step-by-step instruction guide on how to setup my eWallet account?

Please log-in to eWallet account, select “Run Account Wizard”, and click “Getting Started”. Where do I fax my voided check? (US and Canada Customers Only)

Please fax your voided check to 1-888-592-6079. *Please make sure to include your username on your check. Can I scan the check? If so, where do I send it? (US and Canada Customers Only)

Yes, a voided check may be scanned and e-mailed to eWallet@plizzel.com. *Please make sure to include your username on your check. How long will it take for my bank account to be verified?

Account verifications take no longer than 3 business days.

Why does my bank account status still indicate “Unverified” when I have already sent a copy of my voided check? (US and Canada Customers Only)

We may have not received your voided check initially, please resend at your earliest convenience. Our fax number is 1-888-592-6079. How long does it take for a earnings payout to appear in my eWallet?

Once the back office approves a payout, the funds are settled in your eWallet account. Do I need to request a withdrawal every time I receive a payout?

Yes. Once you receive a payout to your ewallet account, a withdrawal must be requested.However, if you have selected a recurring transfer option, no action is needed after receiving a payout. We will automatically transfer the funds to your settlement account. What is a recurring transaction option?

A “Recurring Transfer Option” is an option to move funds from your eWallet automatically (at a frequency of your choice) as each earnings payout is received by the system. Please be advised that a $10.00 minimum balance must be maintained on your eWallet account. No further action is required by you as this is an automatic payout.

How do I select a recurring option on my eWallet account?

You are presented with the opportunity to select a recurring option during the initial account set-up. OR Please log-in to your eWallet AccountWallet Overview:1. Select Add or Change Recurring Transfer.

2. Please read Terms & Conditions of Recurring Transfer Options3. Select the transfer option of your choice1. Select the frequency of your choice2. Select “Activate this recurring option” Where can I obtain a step-by-step instruction guide on how to Deposit and/or Transfer funds to/from my eWallet account?

Please log-in to eWallet account Select “Deposit Funds”Choose one of the following options: Bank Account to eWallet Wire to eWalletAND/OR Select “Transfer Funds”Choose one of the following options: eWallet to Bank Account eWallet Wire to Bank Account eWallet to another eWallet/Pal eWallet to Prepaid Card Prepaid Card to Prepaid Card Request Check How long will it take for my transfers and/or deposits to be completed?

Withdrawal and/or Deposit: ACH (Domestic/International) Transactions: Please allow up to 5 business days Wire Transactions: Same day credit (Domestic) / Up to 72 hours (International) Checks: Up to 10 business days (Domestic) / Up to 20 business days (International) What is a Default Payment Account?

A “Default Payment Account” is a specific payment account (ex. eWallet or Bank Account) activated for payments to be automatically withdrawn from. For example, your monthly maintenance fee will be assessed from your bank account (if that is the payment account activated). How do I select a Default Payment Account?

Please log-in to your eWallet AccountSelect “Default Payment Account”:1. Select Payment Account you would like to activate for transfer.2. Click “Save Default”3. Status will appear (ex. Payment Option Saved) The selected payment account will now be activated for transfer.

What is the minimum account balance I must maintain on my eWallet account?

Your eWallet account must maintain a minimum balance of $10.00 once it becomes active. Where may I obtain a list of ewallet fees?

Please select “FEES” on the bottom menu within your eWallet account to access the User Fees Table. Can my ewallet transaction fees be waived (i.e. monthly maintenance, transfer fees - deposits/withdrawals, and other eWallet fees)?

Unfortunately, we do NOT waive transaction fees. Our fees are minimal in comparison to other processors, therefore, we are not able to waive any fees in order to justify our cost. How can I pay for my monthly maintenance fee if I do not have money in my ewallet account? The monthly maintenance fee will accrue in your ewallet until you receive a payout or deposit funds. In such a case your ewallet balance will show as a negative number. Are both domestic and international wires available?

Yes, both domestic and international wires are available. Domestic transfers are wires within the United States, International transfers are those transfer occurring outside the United States.

If I have a verified bank account, why has my ACH transfer failed (Outgoing/Incoming)?

In the event your ACH transfer has failed, please carefully review and confirm your bank account and routing number that you have provided is correct. One incorrect digit will cause the transaction to fail.

Any discrepancy in bank account number and/or routing number must be reported so the appropriate adjustments may be made to your account. What is the difference between an ACH transfer and a Wire transfer?

An ACH Transfer is an electronic transfer from your bank account that may take up to five (5) business days. Please note a $2.00 fee will be assessed per ACH transaction. This transfer option may be executed through any internet enabled device i.e. cell phones, laptops, desktops, etc.

A Wire Transfer (whether domestic and/or international) is the quickest method to transfer funds between bank accounts. Please note a $25.00 fee will be assessed per Domestic wire /$35.00 fee per International wire. This transfer option may be executed through your bank branch only. Does my bank account need to be verified to send Wire Transfers? No, bank account verification is not necessary to complete Wire Transfers. However, bank account verification is essential when requesting ACH Transfers. Do I need to go to the bank with wire information in order to complete the Wire Transfer?

Yes. Once you have completed the wire request in your eWallet, we will provide you with your wire instructions; these instructions contain the bank and address where to send the funds to. You MUST go to your bank and provide the above mentioned wire instructions. Please wire the exact dollar amount indicated on your eWallet instruction sheet. For ACH transfer, you do not need to go to the bank; you may execute your transfer from any internet enabled device, i.e. computer, cell phone, etc, etc. Can I send a Wire Transfer to another eWallet account other than my own? No. Please send wires only to your own eWallet account as the wire sender’s name must match the eWallet recipient’s name. Transfers might be delayed and even returned, if these requirements are not met. If you would like to transfer funds to a second party, please use eWallet to eWallet transfers. How do I cancel a Wire Transfer request from my e-Wallet? In order to avoid assessed bank fees, please void you wire request in your eWallet prior to sending the wire from your bank. If you already have sent a wire and would like to cancel it, you may request a wire return. Please contact our eWallet Customer Support and provide your Bank’s wire Trace Number. We will gladly return your funds; however you may be assessed a wire fee from your bank. To cancel a Wire Transfer from your eWallet account: Please log-in to your eWallet Account,select “My Account, click “Wire Requests”, and click “delete” on your pending wire transaction. How do I order a prepaid card?

Please log-in to your eWallet Account Select “Order New Prepaid Card”:1. Complete the required information to process this option and click “Continue”2. Select payment option from eWallet or Credit Card3. Click “Continue” and proceed according to payment option4. Verify transfer information entered and click “Confirm”5. A confirmation that your prepaid card has been ordered will appear.6. Click “Return to Overview” where it will indicate your transaction, its status, and your current account balance

How long does it take to receive my prepaid card order?

Please allow up to 10 business days for your prepaid card to be mailed out. Your PIN and Personal Access Code (PAC) will follow in a separate correspondence. Can I send a check from my eWallet payable to someone other than myself?

Yes, you may send checks payable to second parties including businesses. Please enter the name and address of the recipient when completing the required information. How do I add a bank account?

Please log-in to your eWallet Account Select “My Account” and click “Bank Accounts”:1. Select “Add new account”2. Complete the “Account Details” page3. Click “Save Bank Account Information”4. Download the “ACH Authorization Form”5. Complete form and fax to 1-888-592-6079 OR e-mail to ewallet@plizzel.com *Please attach a copy of your voided check (US and Canada Customers Only) How do I add a new wire profile?

Please log-in to your eWallet Account Select “My Account” and click “Wire Profiles”:1. Select “Add new profile”2. Complete the required information on the “Wire Funds” page to process this option.3. Click “Continue”4. Verify transfer information entered and click “Finished” How do I add a Credit Card and complete Credit Card Verification?

Please log-in to your eWallet Account Select “My Account” and click “Credit Cards”: 1. Select “Add new account” 2. Complete the required information requested to process this option. 3. Verify credit card information entered and click “Confirm” 4. Select option to verify card now or at a later time. (*Credit card must be verified to add to account) Credit Card Verification 5. Please review terms to verify credit card and click “Complete Verification” 6. Enter exact dollar amount of pre-authorized transaction to confirm you are the card holder. *NOTE: To obtain exact dollar amount of pre-authorized transaction, please check your credit card statement, or use internet billing, or contact your credit card provider to obtain the pre-authorization number. The number provided must be between $0.10 to $2.00. 7. Click “Verify” 8. A confirmation that your credit card has been verified will appear.

How long will it take for my Credit Card to be activated on the system?

Upon verification, credit card is available for immediate use. How do I remove a Credit Card from my eWallet account?

In order to delete a Credit Card, edit the billing address, and/or add a credit card to your eWallet account, please do the following: Please log-in to your eWallet Account , proceed to select Select "My Account", click "Credit Cards", you will then be presented with the option to whether edit, delete, and/or add a credit card to your eWallet account. Why was my credit card charged the pre-authorization amounts that were for test hold purposes only?

Please contact eWallet Customer Support by phone at 954-458-4008, or e-mail at ewallet@plizzel.com, or visit our Live Chat. A representative will gladly refund your credit card in full for the pre-authorization amounts charged to your credit card. How many attempts do I have to verify my Credit Card?

You have three attempts to verify your credit card. If you have failed the verification process more than once, please carefully review and confirm you are entering the correct card number, information, and/or pre-authorization amount. Can I use my Credit Card in more than one eWallet account?

No. In order to prevent transaction duplicates, our system does not allow one credit card to be used in more than one ewallet account. Can I re-register my credit card if I have previously deleted it from my eWallet account?

Please contact eWallet Customer Support by phone at 954-458-4008, or e-mail at ewallet@plizzel.com, or visit our Live Chat. A representative will reinstate your credit card.

Why is my Credit Card being declined if I have used it in the system before?

Please verify you have not exceeded your Credit Card limit. In the event you have recently moved to a new address, please contact your Credit Card provider to confirm they have updated their system records to avoid the Credit Card being declined for protection against fraudulent activity. Can I use my friend’s Credit Card in my eWallet if we do not have the same mailing address?

Yes. Once the Credit Card Verification is completed and approved, the card will be available for immediate use. How do I view a particular transaction on my eWallet account?

Please log-in to your eWallet Account, proceed to select “My Account”, click “Transactions History” (a full account/wallet overview will be provided), to search an individual transaction - enter the date and account type of transaction, click “Search”. How can I obtain cellular /mobile access to my eWallet account?

You are presented with the opportunity to select cellular/mobile access at the initial account set-up. OR Please log-in to your eWallet AccountSelect “Mobile”:Wireless Internet (WAP):Application (J2ME):1. Select the mobile application compatible for your individual cell phone (Wireless Internet –WAP / Application – J2ME).2. Select your country and enter your cell phone number and area code (do not include country code)3. Click “Send SMS” How do I know what mobile application is compatible with my cellular device?

Please contact your cellular provider to determine which cellular application is compatible with your cellular device and to confirm your phone is internet ready.

How do I change my Username?

Please contact eWallet Customer Support by phone at 954-458-4008, or e-mail at ewallet@plizzel.com, or visit our Live Chat where an operator will be glad to assist you. How do I change my e-mail address on file?

Please contact eWallet Customer Support by phone at 954-458-4008, or e-mail at ewallet@plizzel.com , or visit our Live Chat where an operator will be glad to assist you. How do I change my password?

Please log-in to your eWallet Account, proceed to click on “My Account”,select “Edit/Set Password”, and update your password information.

What can I do if I forgot my password?

Click in the “Forgot Password” link on your eWallet log-in page, enter your username, and we will send you an email with your password. If you are still unable to access your eWallet account or have failed to receive the password in the email, please contact eWallet Customer Support by phone at 954-458-4008, or e-mail at ewallet@plizzel.com , or visit our Live Chat. A representative will confirm the e-mail address on file and will send an email with your password.

What can I do if I get locked out of my account because of three (3) failed log-in attempts?

Please contact eWallet Customer Support by phone at 954-458-4008, or e-mail at ewallet@plizzel.com , or visit our Live Chat. A representative will unlock your account. Otherwise, please allow up to 1 hour for your account to be unlocked automatically. How do I close/cancel my eWallet account?

Please contact eWallet Customer Support by phone at 954-458-4008, or e-mail at ewallet@plizzel.com , or visit our Live Chat. A representative will assist you to close your account. What is the account closure fee?

A $5.00 fee will be assessed from your eWallet when closing your account.

What are the hours of operation for eWallet Support?

eWallet support is available Monday through Friday, 10 am to 5 pm EST. Will I be charged if I choose to contact Customer Support via Phone?

Yes, you will be charged at a rate of $1.00 per minute except for login problems, forgotten passwords, and change of personal information. Please use email ewallet@plizzel.com or live chat for other questions and

inquiries.

Plizzel will make every effort to make sure that you have a good experience when dealing with your Plash!

As with any other online business SPAMMING will not be tolerated. SPAMMING is

punishable by law, and is also cause for COMPLETE TERMINATION from 2plus7.

What is spam?Spam is flooding the Internet with many copies of the same message, in an attempt to

force the message on people who would not otherwise choose to receive it. Most spam is

commercial advertising, often for dubious products, get-rich-quick schemes, or quasi-legal

services. Spam costs the sender very little to send -- most of the costs are paid for by the

recipient or the carriers rather than by the sender.

There are two main types of spam, and they have different effects on Internet users.

Cancellable Usenet spam is a single message sent to 20 or more Usenet newsgroups.

(Through long experience, Usenet users have found that any message posted to so many

newsgroups is often not relevant to most or all of them.) Usenet spam is aimed at "lurkers",

people who read newsgroups but rarely or never post and give their address away. Usenet

spam robs users of the utility of the newsgroups by overwhelming them with a barrage of

advertising or other irrelevant posts. Furthermore, Usenet spam subverts the ability of system

administrators and owners to manage the topics they accept on their systems.

Email spam targets individual users with direct mail messages. Email spam lists are often

created by scanning Usenet postings, stealing Internet mailing lists, or searching the Web for

addresses. Email spams typically cost users money out-of-pocket to receive. Many people -

anyone with measured phone service - read or receive their mail while the meter is running,

so to speak. Spam costs them additional money. On top of that, it costs money for ISPs and

online services to transmit spam, and these costs are transmitted directly to subscribers.

One particularly nasty variant of email spam is sending spam to mailing lists (public or private

email discussion forums.) Because many mailing lists limit activity to their subscribers,

spammers will use automated tools to subscribe to as many mailing lists as possible, so that

they can grab the lists of addresses, or use the mailing list as a direct target for their attacks.

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