Do You Have Any of These Cards in Your Wallet?

Have You Computed How Much You’re Really Getting?

.20%.10

%.25%

.05%

.50%

Fraction of

a percent

.30%1%

.25%

What are Your Frustrations About it?

It Takes FOREVER!

Too many of them to

bring all the time!

Hard to monitor!

I need to spend a

fortune to get a

Barbie Doll!

Rewards Can Be Great When…

Value isBIGGER!

Monitoring is

EASY!

No need for too manyCARDS!

REFERRALactivities

are rewarded!

is making life better by empowering

consumers to earn from everyday

purchases.

Introducing

PayBux is a rewards App and platform for individual and community purchases. Subscribers are

incentivised for loyalty and connecting with friends.

Life is Rewarding.

Transforming Lives.

PayBux Editions

Standard Edition(FREE)

Premium Edition(via Upgrade to Mentor or Icon)

Transforming Lives.

Life is Mobile

66% Sleep with 66% Sleep with Their Phones.Their Phones.

66% Sleep with 66% Sleep with Their Phones.Their Phones.

26% checks their 26% checks their phones at the phones at the dinner table.dinner table.

26% checks their 26% checks their phones at the phones at the dinner table.dinner table.

240M business globally 240M business globally will be cloud computing will be cloud computing

via mobile by 2015.via mobile by 2015.

240M business globally 240M business globally will be cloud computing will be cloud computing

via mobile by 2015.via mobile by 2015.

The Future is MobileThere will be almost 4 billion subscribers by 2017.

More than 5 billion broadband connections and about a billion LTE connections by then.

A total of almost 10 billion mobile connections.

Basic Social Networking

Calendar of Events and Activities (CEVA)

Mobile Shopping (Thru-App Purchases)

Payback Rewards and Incentives

Electronic Credits and Transfers

QR Codes Scanning

Basic Social Networking

Basic Social Networking

Calendar of Events

Transforming Lives.

QR Code Scanning for Mobile Vouchers/eGCs

You buy prepaid credits called ‘bux’.

Select mVoucher or eGC of your choice.

Present to Merchant for redemption.

Transforming Lives.

Scan and Go

Merchant scans the QR Codes for fast and easy redemption or payment of purchased

products.

January 2014

2nd Quarter 2014

February 2014

Transforming Lives.

Our Unique Value Proposition

Make every purchase a rewarding experience thru Cooperative Group

Rewards.

When You Gas Up

Eat Your Favorite Meal in a Quick-Serve Restaurant

Call Using Prepaid

Buy Medicines

Enjoy Your Favourite Beverage in Coffee Shops

Buy Groceries

Shop for Clothes

Transforming Lives.

Top-up Your Favourite Merchant Card

But What Makes PayBux

Different?

“...Generosity can be a highly effective growth strategy.”

- Eddie Yoon, PrincipalThe Cambridge Group

PayBux is Generous.

Payback Offer of at least 20%

and up to 100%.

It is faster and realistic.

It isCOOPERATIV

E.

Cooperative Group Rewards

Each purchase transaction contributes an amount to the PayBux Generous Rewards Pool.

20%-100% Rebate

24-hour Transaction Period

PayBux keeps record of the transactions and awards rebates using HexCell Algorithm.

The HexCell Rewards Program

Transforming Lives.

14 Ways to Get Rewarded1. Generous Payback (GPB)2. Payback Linker Rewards (PLR)3. Linker Group Rewards (LGR)4. Payback Infinity Rewards (PIR)5. Icon Profit Sharing (HPS)6. Icon Leadership Rewards (ILR)7. Upgrade Rewards (UPR)8. Upgrade Link Rewards (ULR)9. HexCell Icon Royalty (HIR)10. Icon Upgrade Rewards (IUR)11. Icon Combo Rewards (ICR)12. Group Combo Royalty (GCR)13. Dream Board Fund (DBF)14. Spartan Leaderboard Rewards (SLR)

Transforming Lives.

Where Rewards Come From

Personal purchases and Purchases of other Subscribers in the community.

UPGRADE of Subscription.

Transforming Lives.

A Different Shape for Success

Transforming Lives.

Upgrade to Inspire

Mentor

Icon

Builder

Take the steps…

…or make a big leap.

Transforming Lives.

The Starting Point

Download the Standard Edition of PayBux App for FREE!

Transforming Lives.

Everyone Starts as Builder

A Builder earns rewards from personal purchases of products thru PayBux.

HexCell Means Rewards

Earn HexCell Rewards from Subscription Upgrade and Qualifying Purchases from partner

merchants.

Upgrade

Purchases

HexCell for Generous Payback

A Qualifying Purchase generates a HexCell that determines rewards from your purchases and

purchases of other subscribers in the community.

Sample Qualifying Purchases

P1,500

P375

P300

Sample Qualifying Purchases

P1,000 + 500

P100 + 200 + 75P100 + 200

Sample Qualifying Purchases

P3,000

P500

P500

HexCells from Purchases

HexCells from PurchasesEach Qualified Purchase that produces HexCells is processed using special HexCell Algorithm ensuring rewards for all transactions.

It ensures that everyone will get rewarded from their purchases.

=

You earn rewards when your HexCell is activated.

It is activated whenever there are six (6) HexCells that are attached to it.

HexCell for Generous Payback

HexCell Regenerates for More Rewards

Each time you earn a HexCell, a new one is automatically generated for more rewards until you reach the maximum number of HexCells you can earn based on your subscription type.

up to 12 HexCells

up to 6 HexCells

HexCell Limit for Generous Payback

up to 3 HexCells

As a matter of policy, the program will payback up to 100% of qualifying purchase amount regardless of HexCell Limit.

Transforming Lives.

You Must Be ‘LINKED’A Builder must be linked to another Subscriber to earn the maximum number of HexCells.

As a Builder, you can only earn one (1) HexCell when you don’t have a Linker.

A Builder may link other Builders to earn rewards from their purchases too.

Link. Build. Grow.

There is no limit to the number of links a Builder can create. More links mean more rewards.

HexCell is Infinite

Payback Linker Rewards

Transforming Lives.

Linker Group Rewards

Transforming Lives.

Potential Linker Group Rewards

LEVEL # of

Subscribers Rewards

Value 1 3 9.002 9 27.003 27 81.004 81 243.005 243 729.006 729 2,187.007 2,187 6,561.008 6,561 19,683.009 19,683 59,049.00

10 59,049 177,147.00

Total 88,572265,716.0

0

No. of Link: 3

Progression: 3

# of HexCell / Sub: 1

Transforming Lives.

Potential Linker Group Rewards

LEVEL # of

Subscribers Rewards

Value 1 6 36.002 18 108.003 54 324.004 162 972.005 486 2,916.006 1,458 8,748.007 4,374 26,244.008 13,122 78,732.009 39,366 236,196.00

10 118,098 708,588.00

Total 177,1441,062,864.

00

No. of Link: 6

Progression: 3

# of HexCell / Sub: 2

Transforming Lives.

Payback Infinity Rewards

Transforming Lives.

Icon Profit Sharing

AnyQuestio

nso far?

More Rewards by Growing Your Network of Consumers.

Transforming Lives.

Auto-Upgrade

By default, 50% of rewards go to Auto-upgrade. You just have to choose between

Mentor or Icon.

It’s your call!

Transforming Lives.

No Man is an IslandUpgrading to Mentor or Icon automatically puts you in the rewards community.

Your presence contributes to the rewards program and you get rewarded as well.

Transforming Lives.

Be a Mentor and Excel

An Upgrade Key is required to become a Mentor.

The Key is available from a Mentor or Icon Subscriber.

Mentor Upgrade Premium

with300 Bux!

Mentors are Duplicators

A Mentor may link Builders and help them become Mentors too. There is no

limit.

HexCell Rewards from Upgrade

When you upgrade to Mentor or Icon, a HexCell is automatically generated to accumulate your

rewards from upgrade activities in the hive.

Upgrade RewardsA HexCell is activated when there is a total of six (6) Upgrades (Mentor or Icon) associated with it.

Upgrades may come from your personally endorsed Builders or from others joining the Hive.

Transforming Lives.

Upgrade Rewards

You earn P750 for every activated HexCell.

At an average, a Mentor or Icon may earn 3-4 HexCells in a Hive size of about 130. This could bring potential rewards equivalent to about P2,250-P3,000 per day.

HexCell Rewards (Upgrade) is Infinite

Every time a HexCell is activated, a new one is generated to give you continuous rewards. There is no end to HexCell Rewards.

Your newly generated HexCell can be activated again thru Upgrades or Regenerations in the Hive.

Earn Unlimited RewardsNew Upgrades coming into

the Hive activates HexCells, producing more HexCells

that bring unlimited rewards.

There is no limit to the number of HexCells that

you can earn in a day!

Bring Two to Start EarningBuilders who upgrade to Mentors or Icons must contribute to the Hive by helping at least two (2) Builders become Mentors or Icons.

You will only earn your HexCell rewards when you satisfy this requirement.

Transforming Lives.

P1

0

The Upgrade Link RewardsEarn rewards from HexCells earned or activated by Mentors or Icons you have introduced into the Hive.

Earn P10 per HexCell activated. Icons are automatically qualified to earn P15.

Mentors are entitled to earn up to 6th generation while Icons are entitled up to 10th generation.

12345678910

P1

5

Transforming Lives.

Upgrade one more Mentor and instantly qualify to earn P15 HexCell Group Rewards.

Link a total of six (6) Mentors to earn HexCell Group Rewards up to the 10th generation!

Mentors Can Get More

12345678910

P1

5

+ +

P1

5

Transforming Lives.

The Inspiring Icon

It takes an Icon to know an Icon. Upgrade to Icon is only thru an Icon.

Icon Upgrade is the ultimate advantage in HexCell Rewards Program.

The Icon Upgrade Premium

with1K Bux!

Includes six (6) HexCell Royalty Upgrade Cards.

Merchant Promo

Vouchers.

HexCell Account with 3 Combo

Trackers.

The PayBux Icon Card

Smart Card for OFFLINE and ONLINE transaction and transfer of PayBux balance.

For Cashless transaction (fare payment and other form of settlement)

The PayBux Icon Card

Peer-to-peer TRANSFER (P2P) for payment, reload and other form of financial value exchange.

Getting More Value Than What You Pay ForSCENARIO:You spend P7,000 monthly on gasoline.

This would produce 4 HexCells in a month which would average about 48 in a year.

You may earn up to P17,000 in a year on fuel alone.

Transforming Lives.

HexCell Icon Royalty

12345678910

P1

5

Aside from qualification to earn HexCell Group Rewards, an Icon is entitled for HexCell Icon Royalty (HIR) equivalent to P25 per activated HexCell by any Mentor in his Subgroup up to infinity.

When an Icon personally LINKS a total of six (6) upgrades (Mentor or Icon), HIR is increased to fifty (P50).

P2

5-5

0+

Transforming Lives.

Icon Upgrade Rewards

=P100

0

Earn P1000 for every Mentor or Builder you upgrade to Icon.

Transforming Lives.

Icon Combo Rewards

COMBO1 Combo = P1K1 Combo = P1K

10 Combos per Cycle

10 Combos per Cycle

2 Cycles per Day2 Cycles per Day

ICON TEAM A

ICON TEAM B

P20,000 maximum daily rewards

value!

12MN-12NN:

1st Cycle12NN-12MN:

2nd Cycle

Transforming Lives.

Dream Board FundEvery 5th Combo earned goes to your Dream Board Fund.

Your Dream Board Fund can only be redeemed for your Dream Items. It is not convertible to Cash or Bux.

Transforming Lives.

Group Combo RoyaltyICON

TEAM AICON

TEAM B10%

10%

5%

5%

5%5%5%

5%5%5%

Earn rewards based on the performance

of your personally

linked Icons and their

links up to 5th

generation.

1st Gen

2nd Gen

3rd Gen

4th Gen

5th Gen

1st Gen

2nd Gen

3rd Gen

4th Gen

5th Gen

Transforming Lives.

Potential ICR Rewards

LEVEL ICR% # of Icon Rewards Value per

Level per Icon

Icon Combo Royalty

1 10% 6 10,000.00 60,000.00

2 5% 12 5,000.00 60,000.00

3 5% 24 5,000.00 120,000.00

4 5% 48 5,000.00 240,000.00

5 5% 96 5,000.00 480,000.00

Total 186960,000.0

0

Transforming Lives.

Potential ICR Rewards

LEVEL ICR% # of Icon

Rewards Value per Level per

Icon

Icon Combo Royalty

1 10% 6 10,000.00 60,000.00

2 5% 18 5,000.00 90,000.00

3 5% 54 5,000.00 270,000.00

4 5% 162 5,000.00 810,000.00

5 5% 486 5,000.002,430,000.0

0

Total 7263,660,000.

00

Start with 3 Combo Trackers

from Day 1!

Tracking Icon Exclusive Rewards

An Icon earns rewards when upgrading Builders or Mentors to Icon. The system determines the rewards using Combo

Trackers.

Tracker 1

Tracker 2

Tracker 3

Transforming Lives.

Activate all Combo

Trackers!

Double Your Rewards

Activate all Combo Trackers by upgrading at least six (6) Icons. Your

rewards are doubled when all Combo Trackers are active.

Tracker 1

Tracker 2

Tracker 3

Transforming Lives.

Recognising Leadership