This document summarizes a business opportunity meeting for VMobile, a company that allows users to load airtime and purchase prepaid products from all major networks using their existing cellphone and SIM card. It discusses how individuals can become dealers for P3,988, gaining access to an online system to load airtime and products for their retailers. Retailers are users who pay dealers P250 for access to discounted loading. The document estimates that dealers could earn back their initial investment within 7 months and earn a total of P65,000 through retailer commissions over that period if they recruit enough retailers. It also outlines higher earnings potential through recruitment of additional dealers and retailers under individuals.

1. Speaker: Freddie Ibay B usiness O PPORTUNITY M EETING

2. OFFICE: 19 th and 20 th Flrs., Galleria Corp Center EDSA Quezon City, Metro Manila, Philippines Established: April 29, 2008

3. DTI & SEC Registration

4. A member company of

5. PENTA INSURANCE BROKER SERVICES, INCORPORATED An Insurance Brokerage Firm Established in 2003 Established in April 2008 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

6. Some of PENTA CAPITAL’s Client List include the following:

7. Shelter Clothing Food Load Today’s Basic Needs

8. Target Market

10. Cell phone: Expense Generating Device EXPENSES goes to the 3 telco giants Text Picture Calls P - - P - - P - - P - - P - - P - -

11. GOAL: users to DEALERS EXPENSES goes to the 3 telco giants Text Picture Calls Turning it from EXPENSE into DISCOUNT P - - P - - P - -

12. What can your P4,000 do for you?

14. Retailers Dealer investment = P3,988 Quick Return of Investment with Profit! 20 Retailer’s access cards x 250 = P5,000 P5,000 – P3.988 = P1,012 (profit)

15. 4,500 450 3,000 Use existing cellphone! Use existing sim card! 1 Load Wallet - load all! Online Loading! Personal web site! Personal Inventory System! Discount 10-11%! You can earn P64,500 in 7 mos. P 7,950

16. DEALER RETAILER RETAILER RETAILER

17. What are Techno User cards? If you have 20 friends who want personal lifetime discount , so that they can load themselves or their family but they have no money for 3,988 dealership, you can sell them these Techno User cards for P250 each *Load wallet not yet included, P250 is payment for the access of system

19. Dealers can reload their VMobile Load Wallet thru: VMobile Office Dealer to Dealer Transfers Or deposit to VMobile Accounts in any of these banks:

22. Save 10-11%

26. Team A Team B up to infinity… 40 waiting P500 10 10 P5,000 20 20 P10,000 60 100 P30,000

27. 30,000 / day 210,000 / week 900,000 / month

29. Month Sales Force A YOU Sales Force B Franchisers total income 1 2 3 4 5 6 7 8 9 10 11 12

31. You just started NOW ! Endorsed 4 VMobile Fast Track Package in 1 Month! Pass your misfortune to all of your sales force. Save all your income within the 7 months period .

32. Month Sales Force A Franchiser overrides Sales Force B Franchisers total income Jan - 1 Feb - 2 Mar - 3 Apr - 4 May - 5 June - 6 July – 7

34. 3D FAST TRACK PACKAGE INCREASE THE LIMIT OF YOUR INCOME 3X THE SAFETY NET! 900,000 X 3 = 2.7 M/mo. A B # 500 500 # # A B A B 500 # 500 # 500 # 500 # 500 500 500 500 500 # # # # # # # # # # # # # # # 500 # # # # # # # # # # # # # # # # 500 500

35. Power of 2: 1.9 Million x 7 = 13.3 Million in 1 Year (