This document describes a business opportunity meeting for several investment and financial companies. It then discusses turning cellphones into an asset by having users become retailers through a dealership package costing 3,988 pesos. It outlines scenarios where even endorsing just a few retailers over six months could earn tens of thousands in returns through commissions and overrides.

1. BUSINESS OPPORTUNITY MEETING

2. Office: 19 th Flr, Galleria Corp Center EDSA cor Ortigas Ave., Quezon City Metro Manila

3. DTI & SEC Registration

5. PENTA INSURANCE BROKER SERVICES, INCORPORATED An Insurance Brokerage Firm Established in 2003 PENTACAPITAL INVESTMENT CORPORATION An Investment House Established in 1993 PENTACAPITAL FINANCE CORPORATION A Finance Company / Quasi Bank Established in 1957 PENTACAPITAL MANAGEMENT CORPORATION A Management Company Established in 1993 PENTACAPITAL HOLDINGS, INCORPORATED A Direct Investments Company Established in 1996 INTRA - INVEST SECURITIES, INCORPORATED A Stockbrokerage Firm Established in 1987

8. Shelter Clothing Food Load Today’s Basic Needs

10. SMS Cellphone Cost MMS Calls Cellphone: Expense Generating Device Lion’s share goes to the 3 giant Telcos

11. Turn your CELLPHONES From LIABILITY Into an ASSET Convert Users into Retailers They can Save & Earn Business = Income

13. Start A BUSINESS!!!

15. 4,500 450 3,000 Use your existing cellphone! Use your existing sim card! Use 1 Load Wallet, Load Everything! Access to our system! Online Loading! Personal Inventory System! 1. Can Earn 10-11%! Sell more than 230 Prepaid Products! 2. EARN RETAILER OVERRIDE P 7,950

19. Your P 300.00 INVESTMENT Months/Weeks # Retailer Sign Up @ p 300.00 RAP Retailer Total Sales 1 – Feb 3 50.00 150.00 2 – Mar 9 20.00 180.00 3 – Apr 27 20.00 540.00 4 – May 81 20.00 1,620.00 5 – Jun 243 20.00 4,860.00 6 – Jul 729 20.00 14,580.00 7 – Aug 2,187 20.00 43,740.00 8 – Sept 6,561 20.00 131,220.00 Total 9,840 196,890.00 Total Sales 150.00 330.00 870.00 2,490.00 7,350.00 21,930.00

21. What can you do with your P 4,000?

22. FAST TRACK PACKAGE 3,988.00

23. What’s inside the Package 2 Posters 3 Sim cards 20 Pricelist 20 Quick Guides 20 Retailer Cards x 250 P 5,000.00

24. Earn 10-11 %

25. P 250.00 X 20 = 5,000 .00 P 250.00

28. Dealer Version Months/Weeks # Retailer Sign Up Franchiser Override Franchiser Total Sales 1 – Feb 3 250.00 750.00 2 – Mar 9 40.00 360.00 3 – Apr 27 40.00 1,080.00 4 – May 81 40.00 3,240.00 5 – Jun 243 40.00 9,720.00 6 – July 729 40.00 29,160.00 7 – Aug 2,187 40.00 87,480.00 8 – Sept 6,561 40.00 262,440.00 Total 9,840 394,230.00 Franchiser Total Sales 750.00 1,110.00 2,190.00 5,430.00 15,150.00 44,210.00

30. 2% 2% 2% 2% 2% 2% 2% 2% Earn 2% Retailers Override sales on your group upto 8 th generation

33. A B 1 1 10 10 20 20 60 100 500.00 5,000.00 10,000.00 30,000.00 45,500.00 Up to Infinity; Carry over 40

35. Month Sales Force A Franchiser overrides Sales Force B Franchisers total income Feb - 1 Mar - 2 Apr - 3 May - 4 Jun - 5 Jul - 6 Aug - 7 Sept - 8 Oct - 9 Nov - 10 Dec - 11 Jan - 12

37. 1 – 3 – 7 Comparative Study

38. * Ensures to have an equal income opportunity for all Franchisers of Vmobile Technologies Inc.