FIL-LAND REALTY, INC.
SALES POLICY 

TEN COMMANDMENTS OF HUMAN RELATIONS

1. Speak to people. There is nothing as nice as a cheerful word  of 
   greeting. 
2. Smile at people. It takes 63 muscles to frown only 15  to smile.
3. Call people by name. The sweetest music to anyone's ear is the 
   sound of his own name.
4. Be friendly and helpful. If you would have friends be friendly.
5. Be cordial. Speak and act as if everything you do were a genuine
   pleasure.
6. Be genuinely interested in people. You can like everybody if you
   try.
7. Be generous with praise - cautious with criticism.
8. Be considerate with the feelings of others. It will be 
   apprecicated.
9. Be thoughtfull of the opinion of others. There are three sides 
   to a controversy... yours � the other fellow's � and the right 
   one.
10.Be alert to give service. What counts most in life is what we do
   for others.
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 The FIL-LAND Man believes in intregrity as his guiding principle.
 The very value that molds him into a person who is loyal and 
 dedicated to his task. Service is his motivation knowing fully 
 well that a "job well done is something that can propell him to 
 greater heights and allow him to sorn into the winds of success.

 A FIL-LAND Man delivers what is expected of him not because of 
 simple personal joys or concieted personal gains but because he 
 realizes it is a part he plays out of the whole the greater good
 for the greater number is a rule.

 A FIL-LAND Man looks at failures with the eyes of success, sorrow
 with the heart of joy and frustation with the minds of challenge.
 He refuses to stoop to obstacle and rises over them wIth heads 
 held high and both hands in a symbol of victory.

 The FIL-LAND Man represent the future not the past the right not 
 the wrong joy not sorrow happiness not pain and lives not on 
 failure but on the pedestal of SUCCESS... 
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TABLE OF CONTENTS


ARTICLE     I ................. CODE OF ETHICS

ARTICLE    II ................. ACCEPTANCE / PROMOTION OF AGENTS

ARTICLE   III ................. PROMOTION OF UNIT MANAGER TO
	                          BRANCH MANAGER

ARTICLE    IV ................. DUTIES AND OBLIGATIONS

ARTICLE     V ................. QUOTA

ARTICLE    VI ................. INTRA-AREA RELATIONSHIP

ARTICLE   VII ................. INTER-AREA POLICY

ARTICLE  VIII ................. POLICY ON SALE OF SUBDIVISION LOTS
                                AND HOUSE & LOTS

ARTICLE    IX ................. OFFSETTING TRANSACTIONS

ARTICLE     X ................. CREDITINGS OF OFFSETTING SALES

ARTICLE    XI ................. DISCOUNTS ON SALE

ARTICLE   XII ................. ESTABLISHING WHO HAS THE RIGHT TO A
                                SALE

ARTICLE  XIII ................. ARBITRATION

ARTICLE   XIV ................. POLICY ON COMMISSIONS

ARTICLE    XV ................. POLICY ON RELEASE OF COMMISSIONS

ARTICLE   XVI ................. CASH ADVANCES & CASH BONUSES

ARTICLE  XVII ................. TRANSFER OF RIGHTS

ARTICLE XVIII ................. OFFICE BUYERS

ARTICLE   XIX ................. MISCELLANEOUS

ARTICLE    XX ................. EXCEPTION TO GENERAL RULE

ARTICLE   XXI ................. PENALTY