GCASH REFRESHER GCASH is a revolutionary, innovative, and cutting-edge mobile commerce platform that transforms the mobile phone into a wallet for financial.

“Harnessing The Power Of The Mobile Phone For Low Cost, Fast &

Accessible Cross Border Remittances – A GCASH Case

Study”

Asia Pacific Regional Forum20 May 2011

Bangkok, Thailand

GCASH REFRESHER

• GCASH is a revolutionary, innovative, and cutting-edge mobile commerce platform that transforms the mobile phone into a wallet for financial transactions with the ease and cost of a text message

• Launched in the Philippines in 2004• Menu of services include:

– Phone to Phone Transfers– Airtime Load Purchases– Retail / Online Payments– Bill Payments– Tuition Fee Payments– Micro-credit Payments– Disbursement of salaries, allowances, etc.– Donations to Charitable Institutions

• 2006 Launched Cross-Border Single-Currency Remittance with CSL of Hong Kong

• 2007 Launched Cross-Border Multi-Currency Remittance with Maxis of Malaysia

Launched GCASH REMIT* International• 2009 Accredited 18,000 GCASH outlets nationwide

Includes Pawnshops, Rural Banks, Airtime Loading Stations, Department Stores, Convenience Stores

• 2010 Launched GCASH REMIT* Domestic Launched the fully customizable GCASH ATM Card

Launched partnerships with BICS and VodafonePilot disbursement of grants for the UN World Food ProgramPilot disbursement of grants for the DSWD CCT Program

*GCASH REMIT is an over-the-counter cash pick-up service where outlets in the Philippines utilize the mobile phone and the GCASH platform to process the remittance transactions

GCASH Milestones

4

Cross-Border Money Transfer

Increased footing in international remittance space

Trade and Customer Acquisition should be in-step

Outlet Availability is key to enable Trade scale-up

Domestic P2P (Mobile to Mobile)

InternationalOutlet to Mobile

DomesticOutlet to Outlet(Cash Pick-Up)

InternationalOutlet to Bank

(Credit to Bank)

InternationalMobile MoneyTransfer Hub

(Mobile to Mobile)

InternationalOnline to Mobile

InternationalOutlet to Outlet(Cash Pick-Up)

Personalized ATMCards Cash Out

And Valid ID

2004 2006 2007 2009 2010

DomesticOnline to Mobile

Platform ready to scale up with all components in place

Pro-active OperationsSupport

24/7 customer service& partner

support team

Up-to-date fraudmonitoring &

detectionsystems

Continuousenhancement incore & peripheral

systems

Back-end geared up to support increasing customer demands

1. CNN Feature on WFP-GCASH Cash for Work Program

2. Conditional Cash Transfer Program Video

GCASH Video Files

Thank You

Asia Pacific Regional Forum20 May 2011

Bangkok, Thailand