2. GCASH REFRESHER GCASH is a revolutionary, innovative, and cutting-edge mobile commerce platform that transforms the mobile phone into a wallet for financial transactions with the ease and cost of a text message Launched in the Philippines in 2004 Menu of services include: – Phone to Phone Transfers – Airtime Load Purchases – Retail / Online Payments – Bill Payments – Tuition Fee Payments – Micro-credit Payments – Disbursement of salaries, allowances, etc. – Donations to Charitable Institutions

3. 2006 Launched Cross-Border Single-Currency Remittance with CSL of Hong Kong 2007 Launched Cross-Border Multi-Currency Remittance with Maxis of Malaysia Launched GCASH REMIT* International 2009 Accredited 18,000 GCASH outlets nationwide Includes Pawnshops, Rural Banks, Airtime Loading Stations, Department Stores, Convenience Stores 2010 Launched GCASH REMIT* Domestic Launched the fully customizable GCASH ATM Card Launched partnerships with BICS and Vodafone Pilot disbursement of grants for the UN World Food Program Pilot disbursement of grants for the DSWD CCT Program *GCASH REMIT is an over-the-counter cash pick-up service where outlets in the Philippines utilize the mobile phone and the GCASH platform to process the remittance transactions GCASH Milestones

4. 4 Cross-Border Money Transfer

5. Increased footing in international remittance space

6. Trade and Customer Acquisition should be in-step

7. Outlet Availability is key to enable Trade scale-up

8. Domestic P2P (Mobile to Mobile) International Outlet to Mobile Domestic Outlet to Outlet (Cash Pick-Up) International Outlet to Bank (Credit to Bank) International Mobile Money Transfer Hub (Mobile to Mobile) International Online to Mobile International Outlet to Outlet (Cash Pick-Up) Personalized ATM Cards Cash Out And Valid ID 20042006 200720092010 Domestic Online to Mobile Platform ready to scale up with all components in place

9. Pro-active Operations Support 24/7 customer service & partner support team Up-to-date fraud monitoring & detection systems Continuous enhancement in core & peripheral systems Back-end geared up to support increasing customer demands

10. 1. CNN Feature on WFP-GCASH Cash for Work Program 2. Conditional Cash Transfer Program Video GCASH Video Files