1. RBT – MUTUAL BENEFIT ASSOCIATION, Inc. “To deliver quality social protection and insurance services to Filipino families” Present initial product 1. Mutual Aid System (MAS) 2. Credit Life Insurance Plan (CLIP)

2. MISSION: “ To delivery quality social protection and insurance services to Filipino families” VISION: “ A top microinsurance provider in the Philippine s” RBT-MUTUAL BENEFIT ASSOCIATION INC.- a non stock, non profit organization, owned, managed and patronized by the members providing micro insurance services.

3. EVENTS WORTH REMEMBERING DATE EVENT November 25, 2005 Board Resolution # 81 officially approved the organization of RBT-MBA, among microfinance clients January 3, 2006 Organizational Assembly for RBT-MBA July 5, 2006 RBT-MBA was officially registered with the Securities and Exchange Commission (SEC) under registry No. CN200610587 September 16, 2006 RBT-MBA was granted with an Insurance License by the Insurance Commission under IC License No. 2006-10-0

5. Basic Benefits: + + Medical Allowance – Social benefit coverage of 250.00 per day maximum of 4 days or benefit maximum of ONE THOUSAND PESOS (PhP 1,000.00) per fiscal year for hospital confinement. LIFE INSURANCE – insurance coverage to members, spouses and children’s against natural death or accident and total and permanent disability. Savings – Equity value equivalent to 50% of the total membership contributions. LIFE INSURANCE MEDICAL ALLOWANCE SAVINGS

6. BENEFITS OF RBT-MBA LIFE INSURANCE PROGRAM MEMBER DEATH or DISABILITY SICKNESS/ILLNESS ACCIDENT Less than 3mos. NONE 20,000.00 More than 3mos. Less than 1 year 20,000.00 40,000.00 1 year but less than 2 years 25,000.00 50,000.00 2 years but less than 3 years 27,500.00 55,000.00 3years and more 30,000.00 60,000.00

7. BENEFITS OF RBT-MBA LIFE INSURANCE PROGRAM SPOUSE DEATH or DISABILITY SICKNESS/ILLNESS ACCIDENT Less than 3mos. NONE 5,000.00 More than 3mos. Less than 1 year 5,000.00 5,000.00 1 year but less than 2 years 7,000.00 7,000.00 2 years but less than 3 years 10,000.00 10,000.00 3years and more 10,000.00 10,000.00

8. BENEFITS OF RBT-MBA LIFE INSURANCE PROGRAM CHILDREN DEATH or DISABILITY SICKNESS/ILLNESS ACCIDENT Less than 3mos. NONE 3,000.00 More than 3mos. Less than 1 year 3,000.00 3,000.00 1 year but less than 2 years 4,000.00 4,000.00 2 years but less than 3 years 5,000.00 5,000.00 3years and more 5,000.00 5,000.00

9. RBT-MBA’s 1-3-5 DAY TARGET in CLAIMS SETTLEMENT 1 3 5

10. What is Credit Life Insurance Plan (CLIP)? Credit Life Insurance is a program where the lives of Debtors are insured to assure the creditor that the loan balance owed by the Debtor, in case of the Debtor’s death, will be paid off by the insurance proceeds. WHAT TO REMEMBER ABOUT CLIP? 1. Credit Life Insurance Plan costs the creditor NOTHING . The Debtors pay the insurance premiums. 2. Credit Life Insurance Plan has advantages to BOTH the Creditor and the Debtors.

11. What are the advantages to the CREDITOR? 1. Prompt settlement of outstanding indebtedness in case of death of the debtor. 2. Elimination of legal action and negotiations involved in repossession and/or resale of items. 3. Development of goodwill with the client’s family and prestige for the business in the community. 4. Additional income equal to the COLLECTION FEE paid by RBT-MBA.

12. What are the advantages to the DEBTOR? 1. Assurance that the unpaid balance of the indebtedness will not burden his/her family or estate. 2. Additional income equal to the sum assured by RBT-MBA less any claims paid to the Creditor. 3. Peace of mind in knowing that a time-purchased item will remain in the possession of his/her family. 4. Protection for any endorsers or co-signers.

13. Where can I apply for CREDIT LIFE INSURANCE PLAN? From RBT-MBA: Home office: 2 ND floor Foronda Building, Abellanosa St. Cagayan De Oro City or contact our Membership Development Officer for more details “ PROTECT YOUR INVESTMENT WITH RBT-MBA’s CREDIT LIFE INSURANCE PLAN”

14. Present Partners and Area of operation: 1. RBT Bank – Mis Or., Bukidnon and Camiguin 2.AGB Foundation– Mis. Or., Bukidnon and Q. C. 3. SAMULCO Foundation – Davao City

15. Strategic Partners : Our reputation depends on the quality of services and success of our partner institutions like; Banks, NGOs Coops, self help groups and other organizations who embraced our Vision and Mission

16. Value Added: Members’ Owned , Managed and Patronized Promote new concept of Social Enterprise that provide the best value for customers and not maximize profit for shareholders, is in our DNA.

17. RBT - MUTUAL BENEFIT ASSOCIATION COFFEE BREAK… THANK YOU