When a business expresses an interest in joining Ormita the local office takes the following steps:

1. They make a note of their existing and planned expenses in the form of a “buying schedule”.

2. This schedule provides detailed notes on the goods and services required by the buyer and the equivalent cash prices they are willing to pay. This schedule represents real, fixed, ongoing expenses to operate their business – expenses that they currently pay cash for.

3. An Ormita Client Director uses the schedule to actively seek out businesses who can meet the buying needs of the prospective member on the same, or better, terms. Depending on the suppliers, this will vary from part-cash/part-trade through to 100% trade.

4. A commitment to supply is provided by each seller and, once matches are found for at least $2,000 per month / $24,000 per year of listed expenses, the Ormita Client Director returns to the new member / prospect to confirm supply.

5. The client effectively saves real cash because it is making purchases not from existing income (or bank borrowings) but from new sales it makes to other members of the network.

Unlike paper notes, Ormita Credits are backed by the collective assets of its members.

If one member is in debt, another member is in credit to an equivalent amount. At all times the sum of all accounts adds up to zero.