Frank and Sophia Fu:

• 23 years of experience as a financial expert and insurance broker.

• GDM Affiliates — Sophia (L4) and Frank (L3).

• Dedicated to exceptional customer service and building trusted partnerships.

First Proof that GDM Works in Practice

I’ve been a financial advisor for 23 years, and in my line of work, I’ve seen it all — from helping families plan for retirement to guiding small businesses as they grow. But for two decades, there was one thing I hated dealing with: personal auto insurance. It was a losing battle. Rates always seemed to go up, never down. Clients often switched providers every six months, hoping to find a better deal. I felt like a human calculator, running numbers that never added up to a win for the client. So when my wife, Sophia, first mentioned GDM to me, my gut reaction was immediate: "No way. It’s got to be a scam." My attitude started to change on the third day of a GDM event. I spent the first day dissecting every part of their model, searching for flaws. The second day, I listened — really listened. On the third day, I saw Sandy, a respected figure in the industry, join the conversation. That’s when I knew this was something different.

I went home and spent a full week reviewing old client policies and running scenarios. What I discovered was a complete game-changer. GDM is not insurance; it’s an AI-powered community built on a simple promise: good drivers helping good drivers. I’d never seen anything like this. The GDM app, powered by AI, allows us to report accidents with just one click, making the process more efficient and effective. This was my chance not just to talk about a solution, but to be a part of it.

The Unlikely Team That Conquered a Challenge

Sophia and I are a classic case of opposites attract. I’m the cautious one — the numbers guy. She’s the extrovert — she’ll strike up a conversation with the waiter at a restaurant, eager to share how GDM may help them save money.

In less than 30 days after joining GDM, we not only identified three key connectors with wide networks to form the core of our team, but we also helped each of them successfully invite three good drivers to join GDM. The secret was simple:

• Use the GDM app to demonstrate Weekly Sharing Reports, so they clearly see how GDM helps good drivers save money — once they see the value, they’re far more likely to join.

• Then prioritize finding key connectors with broad networks to build the core team.

• Guide them step by step on how to map out potential prospects from their own circles and deliver product presentations.

• Continuously support and learn from the experiences of other key team members.

Throughout the process, I stuck to one professional principle: if a partner doesn’t understand how GDM works, I won’t move to the next step — enrolling. In my first 36 days with GDM, I thoroughly studied its Mutuality model and repair service, ensuring I fully understood how it aims to help good drivers save money — no vague explanations for the sake of sharing. This has been my guiding principle as a financial advisor for 23 years: trust must be built transparently and over the long term.

Follow this approach, and you’ll start seeing early progress in team development within 30 days. This isn’t just recognition of our hard work — it’s clear proof that GDM’s mutuality model truly works and delivers real value for good drivers. At the same time, it stands as a genuine, replicable success story.

The Trust Is in Transparency

As a financial professional, I believe GDM is a long-term winner for three reasons:

• Community Vetting: Strict screening ensures the community is limited to safe drivers, making the entire group stronger and more reliable.

• GDM Mechanism: Members pay a 20% service fee upfront; the remaining 80% stays in your bank account as a pledge amount. If you never have an accident, you'll contribute to repair costs through weekly community sharing when other members have eligible accidents. If you do have an accident, you first cover the repair costs with your Out-Of-Pocket Expense and your Remaining Pledge Balance — and any leftover cost will be shared by the other members the same way. Whatever's left after the 6-month cycle - with no accidents on your end — is what you've saved.

• Total Transparency: Eligible Events are announced every Monday in the GDM app before Weekly Sharing, with full details visible.

These details gave me the confidence to tell good drivers for the first time: "This isn’t just an option; it’s a real way to create value for your family."

The Million-Family Opportunity Brought by GDM

From a financial expert’s perspective, the potential of GDM’s mutuality model extends well beyond what we see today.

• Long-Term Value: Every dollar a family saves helps build safe driving habits and strengthen the community. Choosing GDM means turning safe driving into lasting value for both your trips and peace of mind.

• Expansion Potential: This transparent, replicable model is steadily reaching more regions, helping more families benefit.

• Industry Impact: Just as ride sharing reshaped transportation and home-sharing transformed lodging, GDM aims to innovate and popularize the mutuality model.

I believe GDM will continue to harness technology and community as key drivers, helping families travel with confidence while promoting safer roads for everyone.

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