1. Rural Banks Partnership

2. Who is TrueMoney?

3. TrueMoney – Southeast Asia’s largest FinTech company
Agent Network
PHILIPPINES
INDONESIA
VIETNAM
CAMBODIA
THAILAND
MYANMAR
~5,000+
Thailand’s largest conglomerate
World’s largest mobile and online payment platform
~6,000+
~5,000+
~10,000+
~18,000
Leading provider of innovative payments and financial services in Southeast Asia
Expanded to 6 emerging markets across SEA in just a span of 2 years
~15,000
Duplication or distribution without legal consent from TrueMoney
is prohibited and may result in repercussions.
© TrueMoney Co., Ltd. All rights reserved.

4. Payments and Financial Services
TrueMoney is owned by the CP Group (Charoen Pokphand), one of the largest conglomerates in the world, with decades of experience in building high-impact and sustainable businesses
One of the largest companies in Asia
2016 Revenues: USD 45 Bn
Has operations in 100+ territories
Payments and Financial Services
Duplication or distribution without legal consent from TrueMoney
is prohibited and may result in repercussions.
© TrueMoney Co., Ltd. All rights reserved.

5. The journey towards more accessible financial services for every Filipino
Acquired first 1,000 TMN Agents
Launched Domestic Remittance
Reached 1 million unique customers
Grew to nearly 10,000 TMN Agents & 2.5Mn transacting customers
Oct 2016
June 2017
Aug 2017
Q1 2018
June 2016
Dec 2016
Dec 2017
Grew Payout to 150 client companies & nearly 50K wallets
TMN began operations
in PH & established its local Board
TMN E-Money License from BSP
Launched TrueMoney Payout (B2B)
Acquired nearly 7,000 TMN Agents
Duplication or distribution without legal consent from TrueMoney
is prohibited and may result in repercussions.
© TrueMoney Co., Ltd. All rights reserved.
Reached 5,000 agent networks nationwide

6. True Money Agents in Batangas: 991
Duplication or distribution without legal consent from TrueMoney
is prohibited and may result in repercussions.
© TrueMoney Co., Ltd. All rights reserved.

7. OUR MISSION To enable every Filipino to have access
to innovative financial services which
lead to better lives

8. The Philippines has significant underserved segments…
Very low banking + credit card penetration
High cost of financial services + access problem
40%
of PH municipalities without physical access to a bank
75%
20%
10-15%
Do NOT have bank accounts
Average interest rate/week of informal lenders in communities
Cost to send money from Western Union
97%
97%
80%
Do not have insurance/ live with risks
98%
Have not gotten a loan from a formal financial institution
of Filipinos do not have credit cards
Of retail transactions are still cash-based
Duplication or distribution without legal consent from TrueMoney
is prohibited and may result in repercussions.
© TrueMoney Co., Ltd. All rights reserved.

9. …and financial services are NOT made convenient & affordable to every Filipino

10. LACK OF ACCESS has a solution that is
Due to the
LACK OF ACCESS
to financial services, many people
have limited opportunities to grow
has a solution that is
simple, secure, reliable, and easy to implement.

11. Customers Services Platform
TrueMoney is the financial life platform connecting the base of underserved sectors with innovative financial services
Customers
Services
Telco
Under-banked
Payments
Platform
Un-banked
Money transfer
Technology
Data Analytics
Trust & Security
Network
Lending
Digital customers
Insurance
Duplication or distribution without legal consent from TrueMoney
is prohibited and may result in repercussions.
© TrueMoney Co., Ltd. All rights reserved.

12. The Opportunity in Domestic & International Remittance

13. Projection of the Domestic Remittance Market (in billions PHP)
As the domestic remittance market is poised to grow by 18% in 2019, customers will need accessibility to more channels for money transfer
Projection of the Domestic Remittance Market (in billions PHP)
Growth Drivers 1
Migration to urban cities for better opportunities 2
Emergence of Financial Service Providers (FSPs) 3
Growth of OFW remittances
Source: Bangko Sentral ng Pilipinas, Ken Research, TMN Estimates
Duplication or distribution without legal consent from TrueMoney
is prohibited and may result in repercussions.
© TrueMoney Co., Ltd. All rights reserved.

14. Why partner with TrueMoney?

15. We are now close to ~20,000 agent networks, spread across 8 regions in the Philippines serving 4 million unique customers since 2016
Services
Available for telco networks
Including gaming credits and other prepaid services
With over national and regional billers
Domestic Remittance
International Remittance
Duplication or distribution without legal consent from TrueMoney
is prohibited and may result in repercussions.
© TrueMoney Co., Ltd. All rights reserved.

16. No need for internet connectivity!
Aside from our wide network, our unique advantage is our TrueMoney POS Terminal technology
No need for internet connectivity!
And thermal rolls are free of charge!
Duplication or distribution without legal consent from TrueMoney
is prohibited and may result in repercussions.
© TrueMoney Co., Ltd. All rights reserved.

18. Money Padala Promo

19. CURRENT RURAL BANK PARTNERS
Rural Bank of Guinobatan
RNG Coastal Bank
Banco Maximo
Banco Rural De Isla Cordova
Frontier Rural Bank
Cooperative Bank of La Union
Bangko Kabayan
Rural Bank of Mandaue
Rural Bank of Agoo

20. NEXT STEPS

21. Product Training / Deployment of Sales Team Partnership launch
Next Steps for Rural Banks:
Fill-out and sign the Mutual Non-Disclosure Agreement, then send to True Money c/o Rene Laja
Complete the list of documentary requirements and send scanned copies via
Accomplish and sign all the True Money Forms including the Contract Agreement
Contract signing
Product Training / Deployment of Sales Team
Partnership launch

22. PARTNERSHIP REQUIREMENTS

23. General Information Sheet Articles of Incorporation
List of Documentary Requirements for submission:
General Information Sheet
Articles of Incorporation
SEC CERT of Registration
By Laws
Corporate Secretary’s Certificate or Board Resolution for Authorized Signatory (notarized)
ID(s) of Authorized Signatory
Latest Mayor’s Permit
BSP Notice of No Objection (pro forma document to be sent by TrueMoney)

24. List of Forms for SINGLE BRANCH APPLICATION:
TrueMoney Application Form
TrueMoney Agreement
TrueMoney Assessment Form
AML Questionnaire
List of Forms for MULTIPLE BRANCH APPLICATION:
TrueMoney Application Form
TrueMoney Agreement
Branch Information Form
Portal Access Form
TrueMoney Assessment Form
AML Questionnaire

25. Thank You