The document describes the Retailer Asenso Program (RAP), a multi-level marketing program offered by VMobile Technologies. Through RAP, individuals can become retailers and earn money by selling prepaid products and recruiting other retailers. Retailers use the LoadXtreme platform to sell prepaid items via SMS. They can earn bonuses including subscription sales overrides when they enroll other retailers. The program allows individuals to start a business with minimal capital and earn through retail profits and overrides from their retailer network.

1. RETAILER ASENSO PROGRAM The Power to Change Livesm-Commerce Presentation Version 12.0

2. Anong Negosyo ang Maganda? An ideal business for everyone… Requires no high education. Markets products or services that a lot of people NEED and WANT. Offers equal amount of opportunity. Provides leverage on PEOPLE and MONEY.

3. Creating and Building Wealth Having People WORK for YOU. Making Money WORK for YOU. Leveraging on People Return/Yield/Interest

4. Searching for the 'Ideal' 1 – 5 Grading. (5) Highest; and (1) lowest. Total: 30

5. Comparative Analysis Prepaid Products Huge Market(3 billion subscribers) Micro Denomination Long-term consumption Well advertised and promoted Selling effort is minimal Beauty & Wellness Huge Market(US$1-2 Trillion a year) Mostly Expensive Short-term product usage Promotion is thru channels of agents Requires testimonies

6. Prepaid: Huge & Expanding Subscriber Forecast 69.8 million in 2010 More than 95% of the mobile phone subscribers are prepaid. We sent 800 million to 1 billion ‘text’ (SMS) messages daily Texting Capital of the World

7. Prepaid: Huge & Expanding The wireless telephony penetration is expected to reach 74.1% of the population in 2010. The average operator-wide ARPU in the Philippines is forecasted to be at US$5.47 (approximately PhP246) per user. Expected average annual growth of 12%.

8. Mobile Telephony Outlook “By the year 2010, the telecommunications industry in East Asia is predicted to reach a total of 211 Billion Dollars.” Ben Petrazzini

9. Our Company VMobile Technologies Inc. (VMobile) Established April 29, 2008 Subsidiary of PentaCapital Management Corp. Acquired LoadXtreme’s proprietary technology and platform for mobile micro-business Proven technology for 5 years

10. PentaCapital Management Corp. Affiliate company of PentaCapitalInvestment Corporation. PentaCapital Investment Corporation PentaCapital caters to clients in real estate development, leisure and tourism, mineral resources development, transportation, water resources and infrastructure. Has a license to engage in trust, fiduciary and investment management services.

11. PentaCapital Investment Corp. Recent and Relevant Track Record US$900MnMRT3 BLT Project (1995) US$1.76BnMRT3 ABS Notes Origination (2002) PhP1.6BnSTRADCOM Asset-Backed Bonds (2007) PhP2.0BnSIHI Combined Equity and Debt Structured Facility (2008) US$1.3BnMRT-7 BGTOM Project (2009)

13. Why VMobile Adopted LoadXtreme® Intrinsic Values and Uniqueness Resiliency Diskarte Technology Savvy Empowerment Thru Technology “DiskartengAsensado, DiskartengLoadXtreme.”

14. Why VMobile-LoadXtreme®? 5 Reasons to Consider VMobile-RAP Timing Products Leveraging Platforms Affordability Ability to Help Other People

15. Timing: Bakit Ngayon Na? Mobile telephony services becoming cheaper. Global Financial Crises. Displaced workers looking for new source of income. More people needs to be connected.

16. What If… You only have P50 left in your pocket and… You lost your job and was just retrenched. Your cellphone has no load. You have not taken your meal. How would you temporarily address your NEED? Will you buy a meal or reload your phone?

18. VMobile Product Offering Prepaid Products (via LoadXtreme®) More than 300 products and denomination Subscription to VMobile Services LoadXtreme® Universal Prepaid Loading System AXS OTA (Over-The-Air) Reload

19. LoadXtreme® Uniqueness LoadXtreme® Universal Prepaid Loading Electronic distribution of Prepaid Products via SMS (local and global) using only ONE phone orSIM for all productorders. Also accessible viaInternet.

20. LoadXtreme® Uniqueness LoadXtreme® is a back-end service. Hindi kailangangmagpalitng SIM. Kahitanong mobile phone o devices (prepaid o postpaid) ay pwedenggamitinparamag-transact o mag-load. Can be operated worldwide via internet.

21. Prepaid Products Over-The-Air (OTA) Products

22. Types of Prepaid Cards Mobile Phone Wireline Internet Online Games Sattelite TV and Voice Online Review (Education) Prepaid Ads Buy & Sell International SMS Online Community

23. Prepaid Products Prepaid Cards (via SMS as ePINs) ‘Green’ contribution (no plastic garbage) Anytime, anywhere (int’l. roaming) Fast and Secure

24. More Prepaid Products AXS eCash Wallet (Reloadable Stored Value for MRT3) Flowers Express (eLBC) Nationwide delivery by LBC Cakes (eLBC)

25. How to Access LoadXtreme® Mobile Phone Web

27. PIK is Valid

28. LoadWallet Balance is sufficientTo: 09215500078 From: LoadXtreme Connectivity LX: Customer 09285558888 successfully loaded with S30X. Trans. Ref. No. 123456. Bal.: 580.00 LX LOAD 5812345678 112233 S30X 09285558888 1 New Message fromLoadXtreme Telco Your ID Number and PIK Send to Your Assigned Gateway Customer Mobile Phone Number Product Code

29. How LoadXtreme® Works Online Loading (www.loadxtreme.ph) 5812345678 ●●●●●● ID Number Your PIK (PersonalIdentification Key 09285558888

30. Outstanding Features Web Reports Enter your ID Number and PIK

31. Outstanding Features Cell Number Used(if not restricted to one number) Date/Time of Transaction Product Code of Sold Items Customer or Recipient Cell Number Transaction Reference No.

32. Outstanding Features Profile and PIK Change ACL Settings For registering cell numbers with specific access to your LoadXtreme Account. Sales Transaction Report Product Sales Summary and Others

33. How You Earn P100 P25 P500 P(26.75) P30.00 P(89.00) P100.00 P(23.00) P25.00 P30

34. Assumptions Initial Capital of P800.00 including RAP P500 rolled 7-8x / month 10 customers / Day P30 ave. retail amount 26 days / month 10% ave. retail profit

35. How to Replenish LoadWallet Bank Deposits (Same-day crediting) No Inter-branch Deposit Charge nationwide except for Metrobank.

36. How to Replenish LoadWallet Bills Payment – Same-Banking-Day Credit ATM, OTC, Auto-Debit and Internet

37. How to Replenish LoadWallet Reload LoadXtreme via SMS Auto-Debit (Same-Day) Enroll your CA/SA Send SMS Request Your enrolled account will be debited automatically LX BDODEBIT <LX ID#>/<PIK/Amount to debit LX BDODEBIT 5412345678/654321/2000 / Sampaloc, Manila Send

38. Smart Money and G-Cash Same-Day crediting 1% Pass-on Service Fee

39. Secured Ba Ang LoadWallet? Prepayment Fund Management PentaCapital Management Corporation Restricted Account

40. Opportunity You Can Afford All these benefits and advantages are available to you for ONLYP300. What you will get: P50 worth of LoadXtreme® VMobile-RAP Primer (ask your sponsor) Current Price List Latest LoadXtreme® Quick Guide (optional)

41. VMobile-RAP vs. Traditional

42. RAP: Empowerment for Everyone Subscription Sales Override (SSO) Register other retailers thru your LX Account using your mobile phone. FOR RETAILERS: LX RAP <Retailer ID>/<PIK>/<Cell No. of Enrollee>/<Telco Code>/<Fullname>/<Birthday: mm-dd-yyyy>/<address> LX RAP 5401234567/ 654321/09153135252/ GLOBE/Weng Peralta/12-25-1977/Cuatro de Julio, Galas Q. C.

43. RAP: Empowerment for Everyone Subscription Sales Override (SSO) Dealers use IREG keyword to sell Retailer subscriptions. FOR DEALERS: LX IREG <Retailer ID>/<PIK>/<Cell No. of Enrollee>/<Telco Code>/<Fullname>/<Birthday: mm-dd-yyyy>/<address> LX IREG 5401234567/ 654321/09153135252/ GLOBE/Weng Peralta/12-25-1977/Cuatro de Julio, Galas Q. C.

44. How RAP Can Help Others RETAILER AFFILIATE PROGRAM (RAP) How you earn by introducing other Retailers: Subscription Sales Override (SSO) – Registering other Retailers Group Sales Reward (GSR) – When the Retailers you introduced start selling products

45. Subscription Sales Override (SSO) Earn P50 for every sale of Retailer Subscription to your friends. Earn P20 for every Subscription from 2nd generation to 8th generation of sales activities by Retailers falling under your group.

46. SSO: Income Potential Assumptions: Sell three (3) subscriptions in one (1) week or month. No other subscription sales after the first week or month. Your directly registered Retailers will do just the same in the following week or month.

47. SSO: Income Potential The KEY in achieving this potential income is by keeping the FOCUS to SELL subscriptions to others on the first week or month.

48. Group Sales Reward (GSR) Earn from sales of other Retailers you have introduced and others that form part of your group. GSR is residual reward earned by maintaining activity with LoadXtreme®. You must accumulate P500.00 minimum reload every month to earn GSR.

49. Group Sales Reward (GSR) How GSR Commission is Distributed Within Generations of Sales:

50. GSR: Income Potential Assumptions: Your three (3) directly enrolled Retailer has an average Sales Volume of P3,000.00 per month. Other Retailers under your Group also has an average Sales Volume of P3,000.00 per month.

51. GSR: Income Potential Please note that this earning is monthly and without capital expense on your part.

52. Conversion of RAP Earnings SSO is computed in real-time. GSR is computed and paid monthly depending on qualification. P500 minimum monthly reload Earnings can be converted to: LoadWallet Credit Check or Auto-Credit (BDO Account Holders)

53. Conversion/Encashment of Earnings http://rap.mylx.biz

54. The Dealership Advantage Dealers earn additionalP20 per subscription sales from 2nd generation up to infinity so long as the Retailers sponsoring the enrollment is linked or tagged under their respective Dealer Account. Dealers enjoy earning Guaranteed Retail Override (GRO) from Retailers enrolled under his/her account. Average GRO is 0.6%-1.1% myLX Account (for selling Dealerships to others)

55. The Dealership Advantage Dealer SSO Earning vs. Retailer

56. Dealership Advantage Potential Monthly GRO Earnings Assumptions: All retailers sell anaverage monthlyvolume of P2,000.00 GRO are credited asLoadWallet Creditdaily at 12MN

57. Dealership Advantage LoadXtreme Dealership Business The moreRAP subscriptions are soldby your Retailers, the more Retailersare linked up to your LoadXtremeDealership account. This means that RAP Retailers are recruiting automatically for YOU as their DEALER.

58. Upgrading To Dealership Registered Retailers may upgrade their RAP Subscription to Dealership at anytimeby buying the Dealership Franchise Package available from VMobile. Upon upgrade to Dealership, your new Dealership Account shall be activated for RAP under the Dealer who sponsored your Dealership.

59. Dealership Franchise Package Cost = P8,888 Inclusions LoadXtreme Marketing Collaterals Tarpaulin, Posters and Flyers LoadXtreme Franchise Kit Product Guide, LoadXtreme Guidebook, Price List, Dealer Registration Card AXS Card and tarpaulin banner 3 Prepaid SIM Pack (Smart, Globe or Sun) - when available

60. Fast Track Package Cost = P3,988 Inclusions LoadXtreme Marketing Collaterals Tarpaulin, Posters and Flyers AXS Card and tarpaulin banner 3 Prepaid SIM Pack (Smart, Globe or Sun) - when available

61. Direct Sales Incentive (DSI) Earn incentives when you sell packages: Dealership Franchise Package – P1,000 Fast Track Package – P500 You may sell as many as you can.

62. To qualify and earn this incentive, you must establish or create two (2) Sales Teams: Sales Team A Sales Team B Team Sales Bonus (TSB) Sales Team A Sales Team B YOU

63. How You Earn TSB SALES TEAM A SALES TEAM B YOU = 400 GSP = 400 GSP 1 SCORE = P500

64. How You Earn TSB DEALERSHIP FRANCHISE PACKAGE = 800 GSP FAST TRACK PACKAGE = 400 GSP

65. Who Can Join RAP? Registered Dealers Registered Retailers Sold Retailer Registration Cards that are not yet registered Previous LoadXtreme® Dealer and Retailer not yet migrated to VMobile System

66. Other Products Smart SIM Pack Red Mobile SIM Pack Smart BRO Smart Plug ‘N Talk

67. Other Promotions Xtreme Retailer of the Month Retailer with the highest cumulative Sales on a given month. Up to P3,000 worth of prizes for the winner. Xtreme Retailer of the Year Retailer with the highest cumulative Sales on a given year. Up to P5,000 worth of prizes for the winner and trip for two (2).

68. Other Policies Conversion of RAP Earnings to LoadWallet is real-time. Conversion of RAP Earnings to Check or Auto-Credit (BDO ATM Holder) is paid weekly. Check Release/Auto-Credit is done every WEDNESDAY. Cut-off day for weekly payout batch is FRIDAY. Encashment requests received later than the cut-off shall be paid next week.

69. Scalable system to ensure stability during different stages of business and sales network development. Direct connectivity toTelco. Special gatewayfor system replies. Data Center: Sustainability In Mind

70. In Summary Mura ang Capital (P300-P1,000) dahilsa Universal Loading. MabilisangBalikngPera. MadalingGawinDahilsa High Demand for Prepaid Products. Secured angPuhunanDahilWalasa SIM ang Value ngLoadWallet.

71. In Summary Naipakitanaminsainyobakitmagandaang VMobile–RAP at angmgaproduktonamin. Naipakitanaminsainyoangisangprograma at paraanpara kayo kumitahabangtumutulongsaiba. Naipakitanaminsainyonaposiblengumasensokahitsamaliitnapuhunanlangdahilsaleveraging.

72. Upcoming Events Launch of R2C Money Transfer via SMS (MAY 2009) Non-exclusive Speed Transfer of Cash TextPRESSPadala! With SMS advisory to SENDER and BENEFICIARY BSP registered

73. Training Schedule Regular RAP Orientation and Training: Wednesdays, 7-830pm 1906 Galleria Corporate Center, EDSA cor. Ortigas Ave., Quezon City

74. “Every great accomplishment starts with a decision to try.”

75. “Failure is not a failure until you fail to try.”

76. Failing Forward Vincent Van Goghfailed as an art dealer, flunked his entrance exam to theology school, and was fired by the church after an ill-fated attempt at missionary work. In fact, during his life, he seldom experienced anything other than failure as an artist. Although a single painting by Van Gogh would fetch in excess of $100 million today, in his lifetime Van Gogh sold only one painting, four months prior to his death.

77. Failing Forward Before developing his theory of relativity, Albert Einstein encountered academic failure. One headmaster expelled Einstein from school and another teacher predicted that he would never amount to anything. Einstein even failed his entrance exam into college.

78. Failing Forward Prior to dazzling the world with his athletic skill, Michael Jordan was cut from his sophomore basketball team. Even though he captured six championships, during his professional career, Jordan missed over 12,000 shots, lost nearly 400 games, and failed to make more than 25 would-be game-winning baskets.