THE TRILLION$ INDUSTRY
AGENDA:About ExpressPayWhat We OfferBusiness ModelRevenue ProjectionsE-BUSINESS
Touch SolutionsIncorporatedSagesoft SolutionsIncorporatedTouch Groupwww.touchgroup.netTouch SolutionsJapan
Touch Solutions, Inc.• IT company that has been operating formore than 10 years.• A leader in the Open Source IT arena• Pu...
Partners:Touch Solutions, Inc.
Partial List of Clients:Touch Solutions, Inc.
Sagesoft Solutions, Inc.Official Distributor of:
Sagesoft Solutions, Inc.Partial List of Clients:• Goodyear Steel PipeCorporation• Colgate-Palmolive• Kimberly-ClarkPhilipp...
ExpressPayAnson UyChairman-One of the leaders in open source services inthe Philippines and has introduced the use ofenter...
ExpressPayIncorporated: Apr. 12, 2011Office: 9th Flr., Jafer Place,19 Eisenhower St.,Greenhills, San Juan CityBranches: 36...
WHAT DO WE OFFER?A Ready-to-Operate• COMPUTER, PRINTER & INTERNET CONNECTION6 - in - 1• REMITTANCE (Local & Int’l.)• PREPA...
WHAT DO WE OFFER?E-Business Franchise features:• An Integrated Online e-Payment System• A Single Funding Account– To Maxim...
E-BUSINESS OPPORTUNITIESREMITTANCE:Over 8 MILLION OFWs, about a tenth of thePopulation2009 Remittance = US$17.348 BILLION,...
DOMESTIC REMITTANCEDOMESTIC REMITTANCE SERVICES Door – to – door Cash Delivery• Nationwide Delivery Branch Pick-up Expr...
ONGOING DEVELOPMENTSOVER 8,000 LOCATIONS1. SMART PADALA2. GLOBE GCASH3. M. LHUILLIER4. LBC5. TAMBUNTING
LOWEST RATESBRANCH PICK-UPAMOUNT FEE10 - 100.00 6.00100.01 - 200.00 12.00200.01 - 300.00 18.00300.01 - 400.00 22.00400.01 ...
CASH CARDAMOUNT FEE500.00 - 1,000.00 35.001,001.00 - 1,500.00 55.001,501.00 - 2,000.00 70.002,001.00 - 2,500.00 90.002,501...
INTERNATIONAL REMITTANCEINTERNATIONAL REMITTANCE SERVICE Pay-Out Center for Expresspay partners:o I-Remito EEC (No. 1 in ...
E-BUSINESS OPPORTUNITIESE-LOAD:Philippines is the “Text Capital of the World”,which sends about 350 to 400 million SMSDAIL...
ELOADS MASTER DEALERSHIP11 – 13%discount
2%2%2%2%2%2%SPREAD YOUR RETAILERSNATIONWIDE
EARN FOR EVERY LOAD CONSUMED BYYOUR RETAILERSEXAMPLE: 100 RETAILERS x1,000/LOAD/DAY=P100,000 WORTH OF LOAD SOLD/DAY2% = P2...
PREPAID LOADSSell over 200 types of prepaid e-loads, call cards, gaming,internet, and phone cards without the inventory.
PREPAID LOADS
XPRESSLOADONE CELLPHONEONE SIMREGISTER UNLIMITEDNUMBER OF RETAILERS
Process payments of OVER125 major bills, i.e. utilities,telecommunications,cable TV, credit cards,insurance, etc.Accept pa...
BillersIntended Collections/PaymentsUTILITIESMeralco Electric Utility BillMeralco Past Due Electric Utility BillDavao Ligh...
BillersIntended Collections/PaymentsCABLE / INTERNETCable Link Internet/Cable Utility bill- Bacoor Cable TV Internet/Cable...
BillersIntended Collections/PaymentsCREDIT CARDSAIG Visa/MC Credit Card BillingAllied Bank / PNB Credit Credit Card Billin...
BillersIntended Collections/PaymentsLOAN PAYMENTSChinatrust Salary Stretch Loan AmortizationCitibank Savings Loan Loan Amo...
BILLS PAYMENT​We have gained the trust and confidenceof several major Services and Utilitiescompanies in the Philippines. ...
BILLS PAYMENT
E-TICKETINGAirline & Shipping Tickets are cheaper when purchasedONLINE. But you need a credit card to do this.Many travell...
E-TICKETING
TRAVEL & TOURSSOON! Sell Tickets for Local & InternationalAirlines Book Local & International Hotels Book Local & Inter...
LOCAL TICKETS:DEALERS CAN EARN SERVICE CHARGE OF P150.00 TOP500.00 PER TICKET.ASSUME:10 PAX ROUNDTRIP20 TICKETS SOLD PER M...
INTERNATIONAL TICKETS:DEALERS CAN EARN SERVICE CHARGE OF P1500.00 TOP2000.00 PER TICKET.ASSUME:10 PAX ROUNDTRIP20 TICKETS ...
COURIERXPACK, a courier service that offers:- SAME-DAY,- insured parcel and cargo delivery- with money back guarantee- at ...
E-BUSINESS FRANCHISE MODELONE-TIME SET UP FEE: Php 140,000.00/ BRANCHIncludes: Set-up of branch and user accounts Traini...
FEE STRUCTUREELOADAMOUNT EXPRESSPAY FRANCHISEE DISCOUNTSmart P30 0.60 3.30 3.90REMITTANCE - CASH CARD LOADINGAMOUNT BANK E...
Service Charges: Transaction FeeMonthlyRevenueeLoadPhp30.00 Load Php3.30 Php16,500.00Bills Payment Php3.50 Php10,500.00Rem...
BENEFITS• 6 Full-Blown Business in 1• VERY LOW Start up Cost• Risk-free transactions• Additional Sources of Income– Minima...
OUR BRANCHES
BENEFITS
EXCLUSIVE OFFERMULTIPLE BRANCH PACKAGES:DISCOUNTS:A. 5 BRANCHES: PHP20,000.00 / BRANCHB. 10 BRANCHES: PHP30,000.00 / BRANC...
EXCLUSIVE OFFERBRANCH COOPERATIVE:
EXCLUSIVE OFFERBRANCH COOPERATIVE:
EXCLUSIVE OFFERBRANCH COOPERATIVE:
For FRANCHISE all-in-one system that includes these: BAYAD CENTER, REMITTANCE (Local & International), AIRLINE TICKETING (...
For FRANCHISE all-in-one system that includes these: BAYAD CENTER, REMITTANCE (Local & International), AIRLINE TICKETING (...
For FRANCHISE all-in-one system that includes these: BAYAD CENTER, REMITTANCE (Local & International), AIRLINE TICKETING (...
For FRANCHISE all-in-one system that includes these: BAYAD CENTER, REMITTANCE (Local & International), AIRLINE TICKETING (...
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For FRANCHISE all-in-one system that includes these: BAYAD CENTER, REMITTANCE (Local & International), AIRLINE TICKETING (Domestic & International), HOTEL & RESORTS RESERVATION (In-bound & Out-bound), TRAVEL & TOURS (In-bound & Out-bound), ONLINE SHOPPING

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For FRANCHISE all-in-one system, kasama sa package ang mga ito:
>BAYAD CENTER
>REMITTANCE (Local & International)
>AIRLINE TICKETING (Domestic & International)
>HOTEL & RESORTS RESERVATION (In-bound & Out-bound)
>TRAVEL & TOURS (In-bound & Out-bound)
>ONLINE SHOPPING
>DEALERSHIP OF LOADING...
>COURIER
Contact: Sani Cortez 0928.358.17.48

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For FRANCHISE all-in-one system that includes these: BAYAD CENTER, REMITTANCE (Local & International), AIRLINE TICKETING (Domestic & International), HOTEL & RESORTS RESERVATION (In-bound & Out-bound), TRAVEL & TOURS (In-bound & Out-bound), ONLINE SHOPPING

  1. 1. THE TRILLION$ INDUSTRY
  2. 2. AGENDA:About ExpressPayWhat We OfferBusiness ModelRevenue ProjectionsE-BUSINESS
  3. 3. Touch SolutionsIncorporatedSagesoft SolutionsIncorporatedTouch Groupwww.touchgroup.netTouch SolutionsJapan
  4. 4. Touch Solutions, Inc.• IT company that has been operating formore than 10 years.• A leader in the Open Source IT arena• Publicly-listed Corporation (TSI:PM) IPO – Dec. 2011 – Raised P100 M
  5. 5. Partners:Touch Solutions, Inc.
  6. 6. Partial List of Clients:Touch Solutions, Inc.
  7. 7. Sagesoft Solutions, Inc.Official Distributor of:
  8. 8. Sagesoft Solutions, Inc.Partial List of Clients:• Goodyear Steel PipeCorporation• Colgate-Palmolive• Kimberly-ClarkPhilippines• Wella• Wyeth Pharmaceuticals• Marubeni EnergyServices Corporation• Masagana GasCorporation• Binalot• Bounty Fresh• Congo Grille• Gerry’s Grill• CrownAsia• Discovery Suites• ABS-CBN Bayan Foundation• ABS-CBN Film Productions• ABS-CBNBroadcasting/Interactive• The Generics Pharmacy• Southstar Drug• IBM• Magsaysay-Mitsui O.S.KMarine, Inc.• Wan Hai Lines Limited• Dunlop Slazenger Group• Kodak Philippines Limited
  9. 9. ExpressPayAnson UyChairman-One of the leaders in open source services inthe Philippines and has introduced the use ofenterprise grade Linux and other open sourcesoftware to the country’s top companies as wellas small and medium enterprises.-Spearheads the Open Source Arena for BPOsthrough the establishment of TSI Japan.-President of Touch Group of Companies
  10. 10. ExpressPayIncorporated: Apr. 12, 2011Office: 9th Flr., Jafer Place,19 Eisenhower St.,Greenhills, San Juan CityBranches: 360+ Nationwide
  11. 11. WHAT DO WE OFFER?A Ready-to-Operate• COMPUTER, PRINTER & INTERNET CONNECTION6 - in - 1• REMITTANCE (Local & Int’l.)• PREPAID LOADS• BILLS PAYMENT• E-TICKETING• COURIER & Online ShoppingFranchise Business• TRAINING• HELPDESK• MARKETING SUPPORT
  12. 12. WHAT DO WE OFFER?E-Business Franchise features:• An Integrated Online e-Payment System• A Single Funding Account– To Maximize the Earning Potential of Your Fund• Detailed Reports• A Growing Service Portfolio– More Services/RevenueStreams to come
  13. 13. E-BUSINESS OPPORTUNITIESREMITTANCE:Over 8 MILLION OFWs, about a tenth of thePopulation2009 Remittance = US$17.348 BILLION, up by 5.4% from2008 figures2011 = over US$20 BILLIONDomestic Remittance
  14. 14. DOMESTIC REMITTANCEDOMESTIC REMITTANCE SERVICES Door – to – door Cash Delivery• Nationwide Delivery Branch Pick-up Expresspay Branches (180 +)• Prime Asia Pawnshops (190) Credit to Bank Accounts• Metrobank, BPI, BDO, Landbank, PNB, etc. VISA Cash Cardo ATM Cardo VISA Debit Cardo No Initial Deposit, No Min. Balance Requiremento First Load Transaction FREE of Charge
  15. 15. ONGOING DEVELOPMENTSOVER 8,000 LOCATIONS1. SMART PADALA2. GLOBE GCASH3. M. LHUILLIER4. LBC5. TAMBUNTING
  16. 16. LOWEST RATESBRANCH PICK-UPAMOUNT FEE10 - 100.00 6.00100.01 - 200.00 12.00200.01 - 300.00 18.00300.01 - 400.00 22.00400.01 - 500.00 28.00500.01 - 600.00 33.00600.01 - 700.00 36.00700.01 - 800.00 39.00800.01 - 1,000.00 40.001,000.01 - 1,500.00 50.001,500.01 - 2,000.00 70.002,000.01 - 2,500.00 90.002,500.01 - 3,000.00 100.003,000.01 - 3,500.00 120.003,500.01 - 4,000.00 130.004,000.01 - 5,000.00 150.005,000.01 - 6,000.00 180.006,000.01 - 6,500.00 210.006,500.01 - 9,500.00 220.009,500.01 - 10,000.00 225.0010,000.01 - 14,000.00 230.0014,000.01 - 20,000.00 260.0020,000.01 - 30,000.00 280.0030,000.01 - 40,000.00 340.0040,000.01 - 50,000.00 390.00PINAKAMURA!P6.00
  17. 17. CASH CARDAMOUNT FEE500.00 - 1,000.00 35.001,001.00 - 1,500.00 55.001,501.00 - 2,000.00 70.002,001.00 - 2,500.00 90.002,501.00 - 3,000.00 105.003,001.00 - 3,500.00 125.003,501.00 - 4,000.00 140.004,001.00 - 4,500.00 160.004,501.00 - 5,000.00 175.005,001.00 - 5,500.00 195.005,501.00 - 6,000.00 210.006,001.00 - 6,500.00 230.006,501.00 - 7,000.00 245.007,001.00 - 7,500.00 265.007,501.00 - 8,000.00 280.008,001.00 - 8,500.00 300.008,501.00 - 9,000.00 315.009,001.00 - 9,500.00 335.009,501.00 - 10,000.00 350.0010,001.00 - 50,000.00 370.00LOWEST RATES
  18. 18. INTERNATIONAL REMITTANCEINTERNATIONAL REMITTANCE SERVICE Pay-Out Center for Expresspay partners:o I-Remito EEC (No. 1 in Taiwan)o Coinstar Money Transfer (138 Countries)
  19. 19. E-BUSINESS OPPORTUNITIESE-LOAD:Philippines is the “Text Capital of the World”,which sends about 350 to 400 million SMSDAILY, more than all the SMS volumes ofEuropean countries, America, and Chinacombined.There are currently more than 60 millioncellular phone subscribers in the country:60% for Smart, 30% for Globe and 10% forSun Cellular.80% are PREPAID subscribers
  20. 20. ELOADS MASTER DEALERSHIP11 – 13%discount
  21. 21. 2%2%2%2%2%2%SPREAD YOUR RETAILERSNATIONWIDE
  22. 22. EARN FOR EVERY LOAD CONSUMED BYYOUR RETAILERSEXAMPLE: 100 RETAILERS x1,000/LOAD/DAY=P100,000 WORTH OF LOAD SOLD/DAY2% = P2,000/DAY X 30 DAYSP60,000/MONTH*THE MORE RETAILERS YOU HAVE,THE BIGGER YOU EARN
  23. 23. PREPAID LOADSSell over 200 types of prepaid e-loads, call cards, gaming,internet, and phone cards without the inventory.
  24. 24. PREPAID LOADS
  25. 25. XPRESSLOADONE CELLPHONEONE SIMREGISTER UNLIMITEDNUMBER OF RETAILERS
  26. 26. Process payments of OVER125 major bills, i.e. utilities,telecommunications,cable TV, credit cards,insurance, etc.Accept payments fora. Meralco Past Dueb. SSSc. NSO DocumentsBILLS PAYMENT
  27. 27. BillersIntended Collections/PaymentsUTILITIESMeralco Electric Utility BillMeralco Past Due Electric Utility BillDavao Light (DLPC) Electric Utility BillVisayan Electric Co., Inc Electric Utility BillEasy Trip Toll feesE-Pass Skyway Toll feesePrime Business Solutions Water Utility BillingFirst Peak Water Utility BillingManila Water Co., Inc Water Utility BillingMaynilad Water Utility BillingPrimewater Water Utility BillingSta. Lucia Watersystem Water Utility BillingSubic Water Water Utility BillingTELECOMSBayantel Phone Utility BillingDigitel Mobile Phils (SUN) Phone Utility BillingDigitel Communications Phone Utility BillingEastern Telecoms Phone Utility BillingGlobe Handyphone Phone Utility BillingGlobe Quest Phone Utility BillingGlobelines Phone Utility BillingInnove Phone Utility BillingPiltel Phone Utility BillingPLDT Phone Utility Billing- Clark Tel Phone Utility Billing- Cruz Telco Phone Utility Billing- Mara Tel Phone Utility Billing- PhilCom Phone Utility Billing- Subic Tel Phone Utility BillingSmart Phone Utility BillingSmartBRO Phone Utility BillingBILLS PAYMENT
  28. 28. BillersIntended Collections/PaymentsCABLE / INTERNETCable Link Internet/Cable Utility bill- Bacoor Cable TV Internet/Cable Utility bill- Cable Internet Internet/Cable Utility bill- Imus Cable TV Internet/Cable Utility bill- Las Pinas Cable TV Internet/Cable Utility bill- Manila 1 Internet Internet/Cable Utility bill- Manila 2 Internet Internet/Cable Utility bill- Muntinlupa Cable TV Internet/Cable Utility bill- Paranaque Cable TV Internet/Cable Utility bill- Pasay Cable TV Internet/Cable Utility bill- Pasig Internet Internet/Cable Utility bill- Pateros Internet Internet/Cable Utility bill- Taguig Cable TV Internet/Cable Utility billCIGNAL Internet/Cable Utility billDestiny Cable Internet/Cable Utility billPlanet CATV Internet/Cable Utility BillPLUSCABLE Network Internet/Cable Utility billSkycable Internet/Cable Utility bill- Brightmoon Cable Internet/Cable Utility bill- Cavite Cable Internet/Cable Utility bill- Discovery Cable Internet/Cable Utility bill- HM Cable Internet/Cable Utility bill- Home Lipa Cable Internet/Cable Utility bill- Isla Cable Internet/Cable Utility bill- Pilipino Cable Internet/Cable Utility bill- Suburban Cable Internet/Cable Utility bill- Tarlac Cable Internet/Cable Utility billWi-Tribe Internet/Cable Utility billBILLS PAYMENT
  29. 29. BillersIntended Collections/PaymentsCREDIT CARDSAIG Visa/MC Credit Card BillingAllied Bank / PNB Credit Credit Card BillingBankard MC/VISA/JCB Credit Card BillingBDO Credit Card Credit Card BillingCitibank VISA/ MC Credit Card BillingEast West Card Credit Card BillingHSBC Cards Credit Card BillingMetrobank/ PSBank Card Credit Card BillingSBCards Diners/MC Credit Card BillingStandardChartered VISA/MC Credit Card BillingUnion Bank Visa Credit Credit Card BillingGOVERNMENT SERVICESNSO Helpline Plus Government ServiceSSS Cont - Farmers & Fisherman ContributionsSSS Cont - Non working Spouse ContributionsSSS Cont - OFW ContributionsSSS Cont - Self Employed ContributionsSSS Cont - Voluntary ContributionsINSURANCEFortune Care Insurance PremiumFortune Life Insurance PremiumGreat Life Financial Insurance PremiumGREPALIFE Insurance PremiumManila Memorial Park Insurance PremiumManulife Chinabank Insurance PremiumManulife Financial Plans Insurance PremiumManulife Philippines Insurance PremiumParamount Life Insurance PremiumPioneer Life Inc. Insurance PremiumPNB Life Insurance, Inc. Insurance PremiumPrudentialife Plans, Inc. Insurance PremiumPrulife U.K. Insurance Insurance PremiumSun Life of Canada Phils Insurance PremiumBILLS PAYMENT
  30. 30. BillersIntended Collections/PaymentsLOAN PAYMENTSChinatrust Salary Stretch Loan AmortizationCitibank Savings Loan Loan AmortizationCitifinancial Corporation Loan AmortizationCitystate Savings Loan Loan AmortizationHSBC Personal Loan Loan AmortizationGolden Haven Memorial Loan AmortizationNorkis Financial Loan AmortizationOptimum Bank Loan AmortizationPSBank Loans Loan AmortizationStandardChartered EZ Loan Loan AmortizationSUMISHO Motor Loan Loan AmortizationUNISTAR Motor Loan Loan AmortizationSCHOOLS / UNIVERSITIESAteneo de Manila School Charges and FeesDBTC INC - CEBU School Charges and FeesLa Salle Greenhills School Charges and FeesMiriam College School Charges and FeesUSJ - R School Charges and FeesCHARITABLE INSTITUTIONSBantay Bata Donations/ CharityChurch of Jesus Christ Donations/ CharityFEBC Philippines Donations/ CharityPiso Para Sa Pasig Donations/ CharityResources for the Blind Donations/ CharityWorld Vision Donations/ CharityOTHERSAlabang Country Club, Inc. Association duesBritish Embassy Visa feeCARISSA Real Estate Monthly DuesCashsense E-Wallet LoadingCebu Pacific Airplane Ticket PurchaseChinatrust VISA Card Prepaid VISA Card LoadingDirectories Phils Corp Subscription FeeI.O.S. Marketing Corp. Monthly Dues of SuppliersIPM Realty Real Estate Monthly DuesKnowledge Channel Subscription FeeMyDestiny SBC Subscription FeePAFP/ Family Physicians Pofessional Monthly DuesRockwell Residential Association duesBILLS PAYMENT
  31. 31. BILLS PAYMENT​We have gained the trust and confidenceof several major Services and Utilitiescompanies in the Philippines. Thisempowers our merchants to handle billscollection ranging from water utilities,power companies, insurance providers,and even cable companies.​You can earn P3.00 to P5.00 in everytransaction.PROJECTED INCOMEAssuming:You have at least 5,000 Households underthe vicinity of the area. Each householdhave at least 3 to 4 bills.5,000 Households x 3 Bills = 15, 000 Bills15, 000 Bills x P4.00 = P60kincome/month
  32. 32. BILLS PAYMENT
  33. 33. E-TICKETINGAirline & Shipping Tickets are cheaper when purchasedONLINE. But you need a credit card to do this.Many travellers, especially in the provinces, do not owna credit card or are not comfortable transacting online.Expresspay’s E-Ticketing Service allows you to booktheir tickets at a LOW COST and pay it in CASH.
  34. 34. E-TICKETING
  35. 35. TRAVEL & TOURSSOON! Sell Tickets for Local & InternationalAirlines Book Local & International Hotels Book Local & International Tour Packages
  36. 36. LOCAL TICKETS:DEALERS CAN EARN SERVICE CHARGE OF P150.00 TOP500.00 PER TICKET.ASSUME:10 PAX ROUNDTRIP20 TICKETS SOLD PER MONTHX P500.00 PER TICKETP10,000.00/MO.TICKETING INCOMEPROJECTION
  37. 37. INTERNATIONAL TICKETS:DEALERS CAN EARN SERVICE CHARGE OF P1500.00 TOP2000.00 PER TICKET.ASSUME:10 PAX ROUNDTRIP20 TICKETS SOLD PER MONTHX P2,000.00 PER TICKETP40,000.00/MO.TICKETING INCOMEPROJECTION
  38. 38. COURIERXPACK, a courier service that offers:- SAME-DAY,- insured parcel and cargo delivery- with money back guarantee- at rates that are lower than marketstandards.
  39. 39. E-BUSINESS FRANCHISE MODELONE-TIME SET UP FEE: Php 140,000.00/ BRANCHIncludes: Set-up of branch and user accounts Training of authorized users (Max. of 2) User Manual One set of Forms Marketing Collaterals, i.e. Signage, Roll-up Banner, etc. Marketing Support Helpdesk Franchise TerritoryBUSINESS MODEL
  40. 40. FEE STRUCTUREELOADAMOUNT EXPRESSPAY FRANCHISEE DISCOUNTSmart P30 0.60 3.30 3.90REMITTANCE - CASH CARD LOADINGAMOUNT BANK EXPRESSPAY FRANCHISEE FEEP1,000.00 15.00 10.00 10.00 35.00BILLS PAYMENTEXPRESSPAY FRANCHISEE FEE3.50 3.50 7.00E-TICKETINGEXPRESSPAY FRANCHISEE FEE0.00 300.00 300.00COURIEREXPRESSPAY COURIER COOP FEE10.00 50.00 10.00 70.00
  41. 41. Service Charges: Transaction FeeMonthlyRevenueeLoadPhp30.00 Load Php3.30 Php16,500.00Bills Payment Php3.50 Php10,500.00RemittanceMembers Php10.00 Php2,000.00Non-members Php10.00 Php1,000.00International Php37.50 Php7,500.00E-Ticketing Php150.00 Php60,000.00Courier Php10.00 Php20,000.00TOTAL PROJECTED INCOME/MO. = Php117,500.00REVENUE PROJECTIONS
  42. 42. BENEFITS• 6 Full-Blown Business in 1• VERY LOW Start up Cost• Risk-free transactions• Additional Sources of Income– Minimal Overhead Expenses• Generates more store traffic / new members• Excellent Investment
  43. 43. OUR BRANCHES
  44. 44. BENEFITS
  45. 45. EXCLUSIVE OFFERMULTIPLE BRANCH PACKAGES:DISCOUNTS:A. 5 BRANCHES: PHP20,000.00 / BRANCHB. 10 BRANCHES: PHP30,000.00 / BRANCHC. 15 OR MORE BRANCHES:PHP50,000.00 / BRANCH
  46. 46. EXCLUSIVE OFFERBRANCH COOPERATIVE:
  47. 47. EXCLUSIVE OFFERBRANCH COOPERATIVE:
  48. 48. EXCLUSIVE OFFERBRANCH COOPERATIVE:

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