1. REMITTANCE NETWORK Business Presentation

2. What is PINOY PERA PADALA? PINOY PERA PADALA is a remittance service aggregator that accredits suitable business enterprises (to be called Third Party Remittance Agents or TPRAs) wanting to engage in a closed- loop domestic remittance service as well as act as cash-out centers of overseas remittance companies servicing OFWs. PINOY PERA PADALA aims to provide small entrepreneurs the chance to compete with the giants in the industry by being part of a nationwide network of remittance outlets. This can be achieved through: Establishing a network of at least 1000 cash-in and cash-out centers within the first year of operations. Using a state-of-the-art remittance system technical infrastructure developed by Bux.com Offering convenience at very affordable and competitive rates

3. Why join PINOY PERA PADALA? A powerful tool that drives traffic and increase profit! Existing business owners can make extra profit from this risk-free opportunity You will be offering your existing customers an added service Great way to attract new customers. Getting started is easy! We support our agents 100%. As our agent you will receive all of the necessary materials, support and training to get started.

4. Business Model PPP Network Overseas Remittance Partner Overseas Remittance Partner BUX.COM Remittance System A closed-loop domestic remittance service and cash-out service for overseas remittance companies.

5. Commercial Model: Fee Sharing Domestic Remittance Fee Sharing Table Send Amount FeePPP Outlet cash-in PPP Outlet cash-out PPPBUX.COM Up to 50025.008.00 5.004.00 501 to 100040.0014.00 8.004.00 1001 to 200080.0028.00 16.008.00 2001 to 3000100.0035.00 20.0010.00 3001 to 5000160.0056.00 32.0016.00 5001 to 10000200.0070.00 40.0020.00 10001 to 30000240.0084.00 48.0024.00 >30000300.00105.00 60.0030.00 Overseas Remittance Fee Sharing Table FeePPP OutletPPPBUX.COM 120.0090.0015.00

6. Commercial Model: PPP Outlet Investment Joining Fee:PHP 10,000.00 Inclusions: Remittance System Registration Fee Remittance Agent Registration Fee AMLA Training Fee System Training and set-up Signage Initial marketing collaterals PPP Outlet Minimum Investment:PHP 82,000.00 1.Joining FeePHP10,000.00 (minimum amount) 2.PC 15,000.00 (optional) 3.Printer/Scanner 7,000.00 (optional) 4.Pre-fund 25,000.00 (minimum amount) 5.Cash-out revolving fund 25,000.00 (minimum amount)

7. Minimum Monthly Revenue Projection for PPP Outlet At minimum pre-fund of PHP 25,000.00 and cash-out revolving fund of PHP 25,000 an average 22.2% ROR per month is projected. Assumptions: 30 overseas cash-out at 90.00 = 2,700 120 cash-in at 35.00 = 4,200 120 cash-out at 35.00 = 4,200 Total commission is PHP 11,100

8. Requirements to be a TPRA Properly filled-out and signed application form An existing business with a strategically located store or outlet Registration as Remittance Agent and completion of AMLA Training Payment of Joining Fee of PHP 10,000.00 Minimum pre-fund of PHP 25,000.00 and cash-out fund of PHP 25,000.00 PC and Internet connection or Android tablet and data line Printer/scanner

9. Funds Flow BUX.COM Pre-fund Accounts in Settlement Bank PPP TPRA Pre-fund Remittance Partners Pre-fund PPP TPRAs Account in Settlement Bank Commissions Net cash-out reimbursements

10. Become a Pinoy Pera Padala Agent! If you own or operate a business and would like to: Generate commission income Reach a growing new market of customers Improve customer loyalty Increase customer traffic Expand your business to include:  Bills Payments  Courier Services  E-Loading (Smart, Globe, Sun etc.)

11. Remittance Process One-time Registration of Sender Sender will fill up the remittance form and submit together with valid ID to Teller. Teller validates the identity of the sender and scans ID. Teller enters data through the mobile phone and once complete, a SMS notification is received by Teller and Sender that registration is successful. Scanned forms and IDs are forwarded to the KYC Server.

12. Remittance Process Send Money Sender fills out Send Form hands over to the Teller together with a valid ID and cash. Sender must specify cash out mode – OTC or ATM. Teller enters the mobile number of sender and, if registered, system displays name and asks for send amount. If not, system sends a message that the sender is not yet registered. Teller enters send amount, name and mobile number of beneficiary and once complete, a SMS notification is received by Sender that send transaction is successful and the claim code. Beneficiary receives SMS notification and the claim code.

13. Remittance Process Beneficiary fills out Claim Form hands over to the Teller together with a valid ID. Teller validates identity of beneficiary and enters the claim code and mobile number of beneficiary. If valid, SMS confirmation is received. Teller gives cash to the beneficiary. Sender receives SMS notification that claim transaction is successful. Receive Money Over-the-Counter

14. Remittance Process Get Cash Card and Receive Money via ATM Beneficiary fills up and signs KYC form and provides photocopy of valid ID Teller validates identity of beneficiary and accepts KYC form and photocopy of valid ID. Documents are forwarded to Head Office for processing of Cash Cards. Cash card is delivered to Beneficiary Beneficiary uses the cash card to withdraw received amount from any ATM.

15. Contact Numbers: Landline : 990-2728 Look For: Camille or Jocelyn