REMITTANCE NETWORKBusiness Presentation

What is PINOY PERA PADALA?PINOY PERA PADALA is a remittance service aggregator that accredits suitable business enterprises (to be called Third Party Remittance Agents or TPRAs) wanting to engage in a closed-loop domestic remittance service as well as act as cash-out centers of overseas remittance companies servicing OFWs.

PINOY PERA PADALA aims to provide small entrepreneurs the chance to compete with the giants in the industry by being part of a nationwide network of remittance outlets. This can be achieved through:

• Establishing a network of at least 1000 cash-in and cash-out centers within the first year of operations.

• Using a state-of-the-art remittance system technical infrastructure developed by Bux.com

• Offering convenience at very affordable and competitive rates

Why join PINOY PERA PADALA?

A powerful tool that drives traffic and increase profit! 

• Existing business owners can make extra profit from this risk-free opportunity

• You will be offering your existing customers an added service • Great way to attract new customers. • Getting started is easy! • We support our agents 100%. As our agent you will receive all of

the necessary materials, support and training to get started.

Business Model

PPP Outlet

PPP Outlet

PPP Outlet

PPP Network

Ove

rsea

s R

emitt

ance

Par

tner

Overseas

Rem

ittance P

artner

BUX.COM Remittance System

A closed-loop domestic remittance service and cash-out service for overseas remittance companies.

Commercial Model: Fee SharingDomestic Remittance Fee Sharing Table

Send Amount

Fee PPP Outlet

cash-in

PPP Outlet

cash-out

PPP BUX.COM

Up to 500 25.00 8.00 8.00 5.00 4.00

501 to 1000 40.00 14.00 14.00 8.00 4.00

1001 to 2000 80.00 28.00 28.00 16.00 8.00

2001 to 3000 100.00 35.00 35.00 20.00 10.00

3001 to 5000 160.00 56.00 56.00 32.00 16.00

5001 to 10000 200.00 70.00 70.00 40.00 20.00

10001 to 30000 240.00 84.00 84.00 48.00 24.00

>30000 300.00 105.00 105.00 60.00 30.00

Overseas Remittance Fee Sharing Table

Fee PPP Outlet PPP BUX.COM

120.00 90.00 15.00 15.00

Commercial Model: PPP Outlet Investment

Joining Fee: PHP 10,000.00 Inclusions:

Remittance System Registration FeeRemittance Agent Registration FeeAMLA Training FeeSystem Training and set-upSignageInitial marketing collaterals

PPP Outlet Minimum Investment: PHP 82,000.001. Joining Fee PHP10,000.00 (minimum amount)2. PC 15,000.00 (optional)3. Printer/Scanner 7,000.00 (optional)4. Pre-fund 25,000.00 (minimum amount)5. Cash-out revolving fund 25,000.00 (minimum amount)

Minimum Monthly Revenue Projection for PPP Outlet

At minimum pre-fund of PHP 25,000.00 and cash-out revolving fund of PHP 25,000 an average 22.2% ROR per month is projected.

Assumptions:

30 overseas cash-out at 90.00 = 2,700 120 cash-in at 35.00 = 4,200120 cash-out at 35.00 = 4,200

Total commission is PHP 11,100

Requirements to be a TPRA

• Properly filled-out and signed application form

• An existing business with a strategically located store or outlet

• Registration as Remittance Agent and completion of AMLA Training

• Payment of Joining Fee of PHP 10,000.00

• Minimum pre-fund of PHP 25,000.00 and cash-out fund of PHP 25,000.00

• PC and Internet connection or Android tablet and data line

• Printer/scanner

Funds FlowBUX.COM

Pre-fund Accounts in Settlement

Bank

PPPTPRA Pre-fund

Remittance Partners Pre-fund

PPPTPRAs

Account in Settlement

Bank

Commissions

Net cash-outreimbursements

PPP processes transactions. Send Amount(Cash-in) is debited from PPP pre-fund and Claimed Amount (Cash-out) is credited to PPP pre-fund

At end of day, the system computes net settlement amount and credits to PPP settlement account. The system also computes commission and credits to account also.

At end of day, PPP reviews transactions against his pre-fund and determines pre-fund deficiency for deposit or net cash advanced to be credited to his account.

The following banking day, PPP deposits pre-fund deficiency or withdraws net amount advanced for cash-outs.

Become a Pinoy Pera Padala Agent!

If you own or operate a business and would like to:

Generate commission income Reach a growing new market of customers Improve customer loyalty Increase customer traffic Expand your business to include:

Bills Payments Courier Services E-Loading (Smart, Globe, Sun etc.)

Remittance Process

One-time Registration of Sender

Sender will fill up the remittance form and submit together with valid ID to Teller.

Teller validates the identity of the sender and scans ID.

Teller enters data through the mobile phone and once complete, a SMS notification is received by Teller and Sender that registration is successful.

Scanned forms and IDs are forwarded to the KYC Server.

Remittance Process

Send Money

Sender fills out Send Form hands over to the Teller together with a valid ID and cash. Sender must specify cash out mode – OTC or ATM.

Teller enters the mobile number of sender and , if registered, system displays name and asks for send amount. If not, system sends a message that the sender is not yet registered.

Teller enters send amount, name and mobile number of beneficiary and once complete, a SMS notification is received by Sender that send transaction is successful and the claim code.

Beneficiary receives SMS notification and the claim code.

Remittance Process

Beneficiary fills out Claim Form hands over to the Teller together with a valid ID.

Teller validates identity of beneficiary and enters the claim code and mobile number of beneficiary. If valid, SMS confirmation is received.

Teller gives cash to the beneficiary.

Sender receives SMS notification that claim transaction is successful.

Receive Money Over-the-Counter

Remittance Process

Get Cash Card and Receive Money via ATM

Beneficiary fills up and signs KYC form and provides photocopy of valid ID

Teller validates identity of beneficiary and accepts KYC form and photocopy of valid ID.

Documents are forwarded to Head Office for processing of Cash Cards.

Cash card is delivered to Beneficiary

Beneficiary uses the cash card to withdraw received amount from any ATM.

Contact Numbers:

Landline : 990-2728

Look For: Camille or Jocelyn