FCAH - Pennybuster.com Profile

(OTC: FCAH) has entered into a joint venture relationship with Terra Block, Inc. of Orlando, Florida use of it's patented compressed earth block manufacturing process, using common soil and low skilled labor to construct residential and commercial facilities in certain areas of the world. First Canadian's joint venture partner has been doing this for over 24 years!

Adobe homes and adobe architecture has been around since the Egyptian times. Many such structures have braved the winds and rains of the centuries. But now no wood forms or curing time is needed and quality is not sacrificed but enhanced. Besides using the most plentiful and efficient material on earth.

Company Mission
Their purpose is to development low cost affordable housing worldwide and an alternative solution to the storage of low-grade hazardous waste.

They aim to support long-term economic growth, social stability, prosperity and progress in the regions where they operate, as well as caring for the environment and ensuring sustainable use of natural resources.

Company wants to achieve consistent and long-term growth of their business, transforming First Canadian into a leading global company. They want to be a reliable supplier of housing and storage facilities to the international market

Company Goals
First Canadian sets itself the objectives to create new value, maintain business stability and provide shareholders with high return on their investments through asset value appreciation and cash dividends

First Canadian will use all available means to achieve these objectives, this will include keeping costs under control, operating efficiently, highest quality of product and services, and application of the latest technologies.

Their goal is to become a global enterprise that is highly competitive across all building sectors, First Canadian will bring together a wealth of talent, shared values and a strong commitment to developing vital cost efficient building products worldwide.

They will aim to set the standard - both for the goals they achieve and how they achieve them. As important as their financial and operating performance is - their goal is to be No. 1 among their competitors in total stockholder return - their underlying values define who they are.

Integral to everything that we will do is our commitment to valuing the talent of each individ

ual, harnessing the strengths of a diverse work force, and respecting and learning from the communities in which we operate. As we succeed, so too should our partners in and around the world.

Thus, the people of First Canadian will be committed to partnership as a key building block of the company's overall performance. Their success will demand the highest standards of social, economic and environmental responsibility across their operations worldwide. They take pride in producing safe, reliable and affordable housing, knowing that it is critical for economic development, and helping to improve the standard of living around the world.

Products

1. Operation: Fully automatic. Computer controlled with manual and single cycle operation with emergency safety circuit.

2. Hydraulic system: By RexRoth. Hydraulic pump - piston type with adjustable pressure.

4. Hydraulic oil filtration: Continuous - 10 micron (Sealed system to prevent contamination.)

6. Power: 20 h.p. V-twin Kohler gas model engine. 10,000 distributors worldwide.

7. Fuel consumption: Less than 1 gallon an hour. Removable 5 gallon gas tank for easy refueling.

9. Production rate: Capacity of up to 250 blocks per hour. Block size 4" x 8" x 12". (Other block sizes soon to be available.)

11. Hopper Dimensions: 1 cubic yard hopper 48" x 68". Collapses in half with one side fitting inside the other for shipping.

14. Towing: Machine comes skid mounted. Suggested towing method is on low profile single or dual axle trailer with a 3500 lb. minimum load capacity. Towing vehicle should have a 3500 lb. towing capacity with standard ball type hitch.

17. Options: Job site trolley, highway trailer, heavy duty grizzly pre-screen and spare parts packages.

18. Trouble shooting: Electrical or hydraulic malfunctions can be diagnosed via lap top computer in the field and transmitted directly to the factory for analysis by telephone or transmitted by sat. comm.

21. Fully warranted free of defects in materials & workmanship for 1000 hours or 6 months. Engine has a limited lifetime warranty from the manufacturer.

1.) Uses available Compactable soils
The Terra Block system uses soils that are non organic and Compactable, such as clay, ranging between 20 % to 90% clay content, with the balance being sand and rock content. Some loam's and lime rock materials also work well. Additives such as cement, lime, bitumen, etc. can be used to produce excellent blocks at only a few cents per unit. Soils, especially if available on the building site, are the cheapest, most abundant building materials in the world. In a lot of cases, the soil is free.

2.) Turns waste products into valuable products
The Terra 250, because of the extreme pressure (over 600,000 lb. per sq. ft.), can convert many waste materials into a usable, valuable product. Materials such as fly ash, coal ash, lime wash, mining tailing, foundry wastes (including some manufacturing wastes) can be used alone or combined with soils or additives
to make excellent building blocks. In some cases, just the reduction in the volume of wastes has a tremendous economic benefit. There are some manufacturers that will actually pay to have their waste materials consumed, reducing the cost of Terra Blocks even further.

3.) Environmentally Friendly
The Terra 250 uses raw materials that do not harm the environment by tearing down forests, polluting streams and rivers due to manufacturing, mining and erosion. In fact, when using waste material, the Terra Block system actually helps the environment by converting waste into a usable product. The Terra Block system of construction has no negative impact on the environment and in some cases can actually reverse some of the damage being done.

4.) Energy Efficient
A finished wall, plastered on both sides, has a relative insulation value of R-40 or a U-Value of approximately .280 for exterior walls. Most building codes in the United States require only an R-19 insulation value. To achieve
an R-19 rating, most walls need to add insulators such as fiberglass, Styrofoam, rock wool etc., which adds cost to the wall. The insulation value of an 8" hollow concrete block is less than a R-2.3. The amount of money saved in heating and cooling some houses built from Terra Blocks can actually pay for the original cost of the house over a 30 year period. (A complete explanation of the thermal function of an Terra Block wall is available in our Engineering Package.)

5.) Non Toxic Living or Working Environment
Traditional Terra Blocks made of pure soils produce no "out gassing" that is typically experienced by manufactured wood, plastic, some cement products and most synthetic or composite materials. Some products even have low level radioactive content to them such as gypsum. Many people are adversely affected physically by the toxic out gassing of chemicals from the materials that are used in buildings. The walls make up a large percentage of a buildings potential for out gassing. Walls built out of Terra Block and carefully constructed can
dramatically reduce a buildings out gassing, making it a safer more comfortable place to live or work.

6.) Mobility - Perfect for Hard to Reach Locations
The Terra-250 can be transported by trailer or truck to remote job sites, any where in the world. It weighs less than 3000 lbs. It is ideal for moving around on the job site, from house to house, or taken to locations that are too distant and costly to get materials to. The Terra-250 is perfect for missionary projects, Government housing and non-profit self help projects as well as traditional and typical housing ventures.

7.) User Friendly - Easy to Operate
The Terra-250 is fully automatic or can be operated in single cycle or manual mode. This allows the operator a full range of functions, from automatic production to exercising the machine one function at a time. (This allows for the testing of materials or cleaning) Standard procedure is to test your material, then load the hopper, press the automatic button and start making blocks.

8.) Easy to build with - Less skilled labor - No curing time
Terra Blocks can be mortared, dry stacked and plastered, glued or grout bonded. Dry stacking is a very economical and cost effective way to build with Terra Blocks. Because Terra Blocks have a surface tolerance of less than 5/1000 of an inch, they can be laid directly on top of one another without any bonding material.
The smooth, flat surface of Terra Blocks combined with the vertical weight of the wall itself and the roof, create friction between the blocks. This bond is as strong or stronger than mortar when combined with high strength plaster on both sides of the wall. No matter what method you prefer, the Terra Block system is very easy to build with, requires less skilled labor, produces the building material on site, ready to go into the wall immediately out of the machine without curing. The Terra Blocks can also be stored on pallets and covered. The Terra Blocks usually reach optimum hardness in about 30 days.

9.) Strong, solid wall construction - Bullet proof - Safe
Terra Blocks are solid, without any holes, thus when a wall is finished, plastered and painted there are no voids for air, insects, small animals or sound to penetrate through. This characteristic also gives the wall great strength both vertically and laterally. Terra Block walls have been independently tested and exceeded 210 mph wind load, which is far beyond any building code requirements that we know of. When it comes to a vertical load, an E- Block wall exceeds 72,000 lbs. load per liner. ft. (104,727 kilos per lin. meter) on a single story wall without a horizontal bond beam at the top of the wall. These statistics, once again are beyond normal engineering or architectural requirements. In addition, Terra Block walls have been independently tested
for rifle bullet penetration, which was only 4 inches (10.1 cm). Concrete block and fired brick shattered and the rifle bullet continued through the wall.

Walls built from Terra Blocks have very good seismic resistance, depending upon the design of the building. Engineers and Architects concur that the overall design and geographic location are the most important factors in building seismic resistant structures. Terra Block walls compliment these factors by their width, 12 inches (30.5 cm), and additionally by their strength and weight because they are solid. The 12 " width give the Terra Block wall a 50% wider base compared to a typical 8" wide concrete block wall. The wider base, in addition to the weight gives the Terra Block wall great stability during seismic events. Walls built similar to the Terra Block system have been independently tested and survived a test equaling 7.2 on the Richter scale.

10.) Socially compatible - Industry friendly
The fact that the Terra-250 produces Terra Blocks in three different sizes, from a variety of raw and waste materials , giving the end user everything from a compressed adobe type block to a cement block, all from a mobile manufacturing system, just about says it all. The EB-001 Series has three different machines to choose from, each with a different size block. Our system produces either 6" x 9" x 12" (15.2 x 22.8 x 30 cm), 4" x 9" x 12" (10.1 x 22.8 x 30 cm) or 4" x 4" x 12" (10.1 x 10.1 x 30 cm) giving the customer blocks or bricks, depending upon his needs and what is locally acceptable. These attributes make the system both socially acceptable and compatible within the local building industry.

11.) Cost - 1.5 cents per block
The cost of an Terra Block machine plus operating and maintenance costs over a 10 year period, operating 260 days a year, is approximately 1.5 cents (U.S.) per block. The cost of the raw material and labor is obviously variable, depending upon what material you are using and your geographic location. It only takes one man on a small tractor or two men with shovels to operate a Terra-250. In the U.S. a cubic yard of clay costs between $1 and $2. One cubic yard of material makes approximately 100 ea. 4"x 9"x 12" blocks (1 - 2 cents per block). Terra Blocks, on an average, have a total cost of about 8 cents (U.S.) compared to fired brick at 25 cents and hollow concrete block at 60 cents. Neither fired brick nor concrete block prices include mortar, sand or transportation cost. Terra Blocks, when dry stacked, require neither mortar or sand.

12.) Product Comparison
Concrete blocks produce an 8" (20.3 cm) hollow wall, that even when insulated is poor by comparison and is more costly, especially in remote locations. Fired brick produces on an average a 3.5" (8.9 cm) to 8" (20.3 cm) thick wall that is very expensive and is also a poor insulator. An Terra Block wall, when plastered or stuccoed on both surfaces makes a 13" (33 cm) thick solid wall that is extremely well insulated, fire proof, non toxic, bullet proof, almost sound proof and inexpensive. If an Terra Block wall cost exactly the same as the other walls and you didn't save a penny, which wall would you rather live behind.

13.)Trouble Shooting - Satellite Communication - G.P.S. Locating
The Terra-250 is very dependable and built to accepted industrial standards. It is engineered with a controller that can be interfaced with a lap top computer and the information sent directly to the factory for diagnosis, either by phone or by satellite communication if the owner is equipped to do so. A Global Positioning System (G.P.S.) can be hidden on the machine to allow the owner to locate his machine if stolen. This is an option available at an additional cost. These advantages give an owner of a T-250 great comfort knowing technical support is only minutes away.

The first of the newly designed EB-001 series of block making machines, The Terra-250, is the latest in innovative technology in its field.

Its' compact, mobile design incorporates patented hydraulics and a "state of the art" controller with on site diagnostic capabilities. A lap top computer can be plugged into the controller and the down loaded information then analyzed by the operator or transmitted to the factory by phone or satellite communication (where available).

The RexRoth hydraulic package on the T-250 has the ability to apply more pressure, if needed, on a block (over 600,000 p.s.f.) than its' sister machine, The Duplex II. The adjustable pressure allows the operator to maintain production and consistent block quality, while accommodating slight changes in soil conditions that sometimes occur.

All of the above is powered by a 20 h.p. twin cylinder Kohler gasoline engine. It was previously considered to be an engineering impossibility to create the amount of hydraulic pressure and production rate generated by the T-250 using such a small engine and pump.

The T-250 is approximately 42" wide by 35" long and 75" high. The 48" x 68" hopper is easily removed and separated into halves, with one fitting inside the other. Its' compact size allows the customer to ship 6 in a standard 20' shipping container. Its total weight is less than 2850 lbs. mounted on steel skids.

An optional trailer and job site trolley are being designed to accommodate both on the road and construction site mobility. An average pickup truck with standard hitch and 3500 lb. towing capacity is all that is required.

Operating the machine is very simple, and once in automatic mode, the one cubic yard hopper can be loaded by two men using shovels or a small tractor with a bucket. Manual and single cycle operation allows for the testing of block materials, cleaning, experimenting and other non-automatic requirements.

Terra Blocks are produced at a rate of approximately 1 every 14.5 seconds and are ejected from the mold in an upright position for easy handling and can go directly into the wall in most cases. Terra Blocks will usually reach optimum hardness in 28 days.

Terra Blocks can be made from a variety of materials, such as clay content soils, lime rock, loams and volcanic ash. Compactable waste materials such as fly ash, lime wash and tailings from mining operations are also usable, depending upon the type. Blocks can also be made from combinations of compactable soils and waste materials. All of the above materials can be mixed with additives such as cement, lime, bitumen and or other additives, depending upon the customers requirements.
The blocks can be mortared, grout bonded or dry stacked, sealed and plastered. With their higher mass per square foot and a wall foot print 50% wider than a concrete block wall the Terra Block wall can withstand extremely strong wind loads and seismic activity (depending on the architectural and engineering design of the building.)

The Terra-250 produces up to 250 compressed blocks per hour measuring 4" x 8" x 12". The 4" dimension can be substituted with a 3.5" dimension if so desired.

For their size, the EB-001 series of machines are without a doubt the most powerful and likely the fastest mobile block making machines of their kind in the world today. Other machines in the EB-001 series are being developed with different size's of block, brick and tile to meet a variety of consumer needs. All of these machines will incorporate the hyper compressive qualities and production rates found in the Terra-250. Additionally, in the near future we will have available soil processors and dryer/mixers that will deliver soil directly into the machine after processing.

The System

The Terra Block System makes possible the large-scale construction of low cost, affordable, energy-efficient homes and commercial buildings. Terra Block, Inc. has perfected a machine that converts our most abundant raw material (common soil) into one of our most needed building components. These portable machines convert ordinary earth on a building site, into rock-hard, durable blocks, used in construction. The machine is towed to a site by a normal pick-up truck or

SUV. It takes the soil, which is already there in abundance and converts it into strong, stable building blocks. There is no material cost and no freight expense. The blocks are dry stackable and do not require skilled labor to be made or used in construction. The resulting home or commercial structure is stronger than traditional structures and up to 25 times more energy efficient because of the massive 12" earthen walls.

The Terra Block compressed earth block machine produces 250 blocks per hour. These blocks and the walls built with them, have the following characteristics:

Brick Type	Cost	Mortar	Transportation	Total

Terra Block	$0.12	$0.00	$0.00	$0.12
Fired Brick	$0.65	$0.03	$0.02	$0.70
Concrete Block	$1.25	$0.10	$0.02	$1.37

Terra Blocks are the cornerstone for the success of FCAH as it enters into the development of affordable housing in third world countries.

Developing nations have an acute need for affordable housing as their populations continue to expand relentlessly. Some developing countries are doubling or even tripling their populations every 10 years. Mexico and Central America are examples of uncontrolled growth right on the doorstep of the U.S. South America and Africa are struggling to control surging populations. On these continents, lack of resources has left millions homeless and vulnerable to exposure and disease. According to the Center for Disease Control, adequate housing is the second most important factor, behind potable water, to improve quality of life in impoverished nations.

The developing world is not the only segment of the market that needs Terra Block technology. As the former Soviet Union and Eastern Europe westernize, the needs of their people for affordable single family residences stagger the imagination. Russian planners estimate the housing shortage at 60 million units. Stalin planned the Soviet housing system around the

concept of centralized apartments. This was based on political reasons. Few single-family residences exist in the East; however, studies show conclusively that this is the type housing in greatest demand. The Company has sold more machines to Russia (90 machines) than to any other single country. In fact, prior to the break up of the USSR, the Soviet Union had ordered 2,000 Terra Block Duplex IIs at $100,000 USD each.

There are 300 million people living in the former Soviet Union, most of whom live in centralized housing. Eastern Europe adds another 150 million people. This region accounts for almost a half billion people. Favorable changes in politics and economics are opening these markets. Limited capital for housing development in these nations, make the cost advantages of Terra Block and the Terra Block System critically important.

The Southeast Asia basin, India and China account for close to on half of the world's entire population. The potential for sales to countries in this region is incredible. Terra Block will explore the possibility of establishing a manufacturing facility in Asia, with the specific purpose of tapping this huge Asian market.

Terra Block's unique products address the needs of the largest single segment of the housing and construction industry worldwide... the low-income or affordable housing market. The size of the world market is measured in trillions of dollars. Creating an enormous overall market for the Company's products and services.

In the U.S., the need is also tremendous. During the next 15 years, over 20 million new affordable housing units are needed. That is equal to 380 new cities of 50,000 households. At a typical cost of $110,000 per home, affordable home demands during this period total over two trillion dollars.

Terra Block has a simple and affordable way to house the maximum number of people in high quality, energy efficient, long lasting homes, at the lowest cost per unit. The building method has passed the most stringent standards in the country; namely, Florida's requirements for building in a coastal hurricane zone (155 MPH standard). The energy qualities of Terra Block walls make them ideal for cold weather climates, since the walls act as a great thermal flywheel. The equivalent R-value of Terra Block walls is over 25… an incredibly high value… far exceeding that of most existing construction. Thus, the entire North American continent including Canada, is a market for the Company's technology.

Accessing the North American market is best accomplished through networking with existing builders, since government is not sponsoring and paying for large-scale housing as is the case in many other parts of the world. North American governments stimulate housing through tax credits and reduced impact fees, etc. Builders remain the primary market movers. Franchising and licensing the Company's construction system allows wide distribution, deferral of costs and profitable growth all while retaining substantial control. It also provides a source of continuing income and a ready market for new products and services.

In North America and internationally, new housing developments create jobs and stimulate the economy. The problem is the lack of building materials and the high cost of manufactured building materials. The Company's technology can help solve these technical problems, so that people can begin to solve pressing social problems

Management

Michael A. Gross - Director/Chief Operations Officer/Director of Field Ops
Michael Gross has spent the last 20 years assisting in the development and sales of the Terra Block System. He has worked extensively throughout the world, negotiating numerous large purchases of Terra Block products. He has supervised projects in the Congo, Africa, Nigeria, Holland, Germany, France, England, Saudi Arabia, Canada, and South America, as well as many parts of the United States, building with, or surveying proposed Terra Block projects. He is intimately aware of the technological aspects of earth construction and housing construction in general. He is highly experienced in the management of the current operations and is responsible for all field operation activities.

Mr. Gross is a creative inventor in his own right. He has many inventions to his credit, which have produced several million dollars in revenue. He has brought his innovative and dynamic thinking to bear on the challenges and hurdles that have faced Terra Block, Inc. over the past decade. He studied Chemistry at Snead College in Alabama. He is a veteran of the U.S. Armed forces.

Craig Kaufman - Director Of International Sales
Craig A. Kaufman is a business consultant with 18 years of experience as an entrepreneur, financier, investor, and advisor to both private and public companies. As President of Kaufman and Associates, Inc., a worldwide consulting company, Mr. Kaufman has been successful helping his clients build their businesses by monitoring focus, utilizing unique marketing strategies and pioneering innovative business techniques.

Mr. Kaufman is a managing director of SageGroup Strategies, Inc. the largest Professional "Troubled-Company" Specialist firm in the in the world with over 600 professionals and offices throughout the world including The United States and The Far East.

In addition, Mr. Kaufman has authored and been the subject of numerous articles that have appeared locally and internationally in periodicals such as American Venture, Barter Age, Units, New York Real Estate Journal, Inventor's Digest and Wealth Building among others.

Edward R.J. Ellis - Director of European Operations
Mr. Edward R. J. Ellis has spent the last 30 years in the European construction environment. Prior to joining Terra Block, he led a UK-based consultancy service providing strategic and technical advice to construction clients. A recognized authority in his field, Ed specializes in all forms of construction - modern, traditional and alternative. He is currently pioneering the development of a global standard for the application of alternative building techniques based on the manufacture and use of compressed earth blocks.

Ed has extensive experience of construction marketing, design and management. He has developed sales and marketing strategies for a range of construction clients. His wide knowledge of project planning and management encompasses projects from $0.5M to $10M. In addition, he has far-reaching experience of technical design, which extends to all forms of construction. He has worked with many of the world's top architectural practices.

From 1993 to 2000 Ed was an independent construction consultant. During this time he was instrumental in introducing terracotta rainscreen facades in to the UK and Eire through architectural practices, particularly Moding Dachziegelwerk's ARGETON montage and system. Based on this achievement and related work, he is widely regarded as a leading specialist in terracotta facades, rainscreens, dry wall facades and structural envelopes.

He has always been a trade and construction professional. He has worked on a wide range of construction projects, acquiring a comprehensive understanding of business strategy and operations as well as the technical aspects of construction design and implementation. He developed his intuitive understanding and hallmark passion for construction in all its forms as an apprenticed bricklayer to his father.

Currently Ed is completing a Master's Degree in Advanced Environmental and Energy Studies at the University of East London (UEL) a renowned School of Architecture, and at The Centre for Alternative Technology (CAT), one of Europe's leading ecology research centers based at Machynlleth in Wales. He is currently laying plans to publish the results of his research in the form of a book, which will explore the technical and logistical aspects as they apply to compressed earth block construction and earth construction techniques, particularly in the context of low-income economies.

Jose C. Salazar - Director of Business Development, Guatemala and Central America
Jose Salazar is the Terra Block International representative and the director of business development for Guatemala and Central America. Over the years Mr. Salazar has formed many key associations within Guatemala and throughout Central America. He is an entrepreneur with valuable insights and tremendous leadership abilities.

In the 1960's Mr. Salazar made pioneering strides in the lumber industry in Guatemala. He was responsible for the implementation of all procedures and the management of all operations. He was also in charge of all marketing and exports.

In the 1970's Mr. Salazar formed a company by the name of Culbac de Guatemala after recognizing a need for organic rather than chemical based fertilizers. He was competing with well-established chemical fertilizers, which had been in use for many years throughout Central America, Panama and Mexico. Nevertheless, he successfully guided the company into being among the top five fertilizer companies in these regions.

Mr. Salazar then formed Compania Agro-Dinamica S.A., a corporation that absorbed Culbac de Guatemala. The company was diversified to market other agriculturally related products. He managed a group of agronomists and also was called upon by the Sugar Growers, Coffee Growers, Cotton Growers, and Rubber Plantations as a consultant. Mr. Salazar also managed an office, which handled all international sales, marketing and exports. He later sold the company, but remained as a consultant the to board of directors until 1997.

Throughout all of these years Mr. Salazar was able to establish himself as a respected businessman in Central America forging many valuable relationships and contacts including contacts within the Guatemalan government. These contacts have proven indispensable in introducing Terra Block to Guatemala.

Mr. Salazar introduced Terra Block to Guatemala and formed Terra Block Latin America. The first Tecstor Proof of Concept in the world and the first Low Income House in Latin America have been constructed because of his efforts.

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