B2bpricenow.com Inc. Enabler of Financial Services For the World’s Poor Edgardo Herbosa Principal

The Absence of Financial Services for the Poor inhibits their Economic Development 4.5B poor , mostly farmers and fisherfolks , the largest body of workers in developing countries cannot establish bank accounts cannot borrow money from banks are “penalized” to move money

4.5B poor , mostly farmers and fisherfolks , the largest body of workers in developing countries

cannot establish bank accounts

cannot borrow money from banks

are “penalized” to move money

Our Mission Address the banking needs of the world’s poor by providing a holistic financial services platform.

Address the banking needs of the world’s poor by providing a holistic financial services platform.

MEMBERS AGRI-BANK Agriculture sector CO-OP with CA/SA e-commerce B2BCENTERS E-MARKETPLACE REMITTANCE BANK Remittance sector cash card m-commerce BORROWERS MFI Network MFI Microfinance sector

b2b Progress to Date Established operations in Philippines Electronic web marketplace up and running for agriculture and food segments 24 operational b2b center franchisees Mobile phone commerce system goes live in July’07 Investments by LBP ( cash ) and UNISYS ( technology) Exclusive endorsement by APRACA to its 23 member countries (includes BRIIC Bangladesh ,Russia , India, Indonesia, China) Established Regional headquarters in Singapore for Asia Pacific

Established operations in Philippines

Electronic web marketplace up and running for agriculture and food segments

24 operational b2b center franchisees

Mobile phone commerce system goes live in July’07

Investments by LBP ( cash ) and UNISYS ( technology)

Exclusive endorsement by APRACA to its 23 member countries (includes BRIIC Bangladesh ,Russia , India, Indonesia, China)

Established Regional headquarters in Singapore for Asia Pacific

b2b has revenue opportunities through these financial services To date b2b has established 3 revenue sources leveraging the Agri bank and its IT infrastructure: Transaction Fees flowing through the e-marketplace amongst co-ops , SMEs and corporations through the Agri-bank Set up Fees by establishing b2bcenters (franchise ‘stores’ ) at the co-ops facility Distribution Fees and Air Time load Commission from the Cash Card system ( debit card with no average daily balance with mobile functionality )

To date b2b has established 3 revenue sources leveraging the Agri bank and its IT infrastructure:

Transaction Fees flowing through the e-marketplace amongst co-ops , SMEs and corporations through the Agri-bank

Set up Fees by establishing b2bcenters (franchise ‘stores’ ) at the co-ops facility

Distribution Fees and Air Time load Commission from the Cash Card system ( debit card with no average daily balance with mobile functionality )

CONTENT e-Commerce CONECTIVITY b2bcenter m-Commerce MANTRA : Remittance MFI Network Micro Insurance India 1.1 B Indonesia 243M Vietnam 84M Capabilities vs Per Country Roll-out Schedule July ‘07 Nov ‘07 ‘ 08 Carbon Credits Philippines 89M Thailand 64M China 1.3 B E-commerce for Farmers Program M-commerce for the poor Platform The Largest Transaction Co. for the poor

Secret Sauce Rapid Expansion with Agriculture Banks in Developing Countries “ APRACA endorses the replication b2bpricenow.com-Landbank E-COMMERCE FOR FARMERS PROGRAM Philippine model to its other member banks in the Asia –Pacific region and further endorses b2bpricenow.com as a strategic partner “ Mr. Benedicto S. Bayaua Secretary General APRACA * APRACA is a 30 year old association of 22 Asia Pacific countries with 53 member banks and institutions which mission is for the sustainable rural development to uplift the rural poor

“ APRACA endorses the replication b2bpricenow.com-Landbank E-COMMERCE FOR FARMERS PROGRAM Philippine model to its other member banks in the Asia –Pacific region and further endorses b2bpricenow.com as a strategic partner “

Mr. Benedicto S. Bayaua

Secretary General

APRACA *

APRACA is a 30 year old association of 22 Asia Pacific countries with

53 member banks and institutions which mission is for the sustainable

rural development to uplift the rural poor

World Map Based on Population o o USD 500 billion dollar agriculture trade with 650,000 cooperatives

World’s Poor b2b APRACA Banks BARA Applied Anthropology Technology Silicon Valley Social Metrics Financial Metrics Double Bottom Line