CIS BAYAD CENTER, INC. Franchise Information Sheet KIOSK MODEL C !"sers!"ser!Doc#ments!CBCI $ BTL!%&'( Cor)orate Ser*ices Fi+es!MARKETIN,!

MKT, $ T-C .ETSETTER!'$)a/ s/stem$'.)n0 I. CBCI COM1ANY 1ROFILE BAYAD CENTER is the co#ntr/2s trai+3+a4er an5 +ea5er in the o*er$the$co#nter 3i++s )a/ment co++ection 3#siness. Since its esta3+ishment in '667, BAYAD CENTER contin#es to 5efine an5 set the stan5ar5s in the in5#str/ 8ith its increasin0 n#m3er of 3i++er )artners, fast$0ro8in0 net8or9 of )a/ment co++ection centers, an5 intro5#ction of inno*ati*e ser*ice +ines s#ch as the '$1a/ S/stem, Remit 1+#s, A))+ication Acce)tance Ser*ices, an5 eLoa5in0. BAYAD CENTER '$1AY SYSTEM :ith ';& t/)es of 3i++s acce)te5 in its )a/ment co#nters, BAYAD CENTER )ro*i5es its c#stomers the con*enience of a one$sto) )a/ment sho) faci+it/, sa*in0 them time an5 mone/. YO"R <KA1ITBA=AY> Thro#0h strate0ic )ositionin0 an5 )artnershi)s, BAYAD CENTER contin#es to so+i5if/ mar9et +ea5ershi) 3/ e?)an5in0 its net8or9 8ith o*er (,&&& franchise5 o#t+ets an5 cor)orate )artner sites s)rea5 nation8i5e. This massi*e net8or9 )ro*i5es )a/ment faci+it/ in a+most e*er/ +oca+it/, ma9in0 BAYAD CENTER /o#r frien5+/ nei0h3o#rhoo5 3i++s )a/ment sho) @ /o#r 9a)it3aha/, /o#r 9a$)artner. T=E TR"STED BRAND BAYAD CENTER is a 8ho++/ o8ne5 s#3si5iar/ of the Mani+a E+ectric Com)an/ AMERALCOB an5 )art of the M-1 0ro#) of com)anies. It is a+so a mem3er of the 1hi+i))ine Franchise Association A1FAB, the Association of Fi+i)ino Franchisors Inc. AAFFIB, an5 the Fi+i)ino Internationa+ Franchise Association AFIFAB. :ith more than 'C so+i5 /ears in the o#tso#rce5 )a/ment co++ection in5#str/, BAYAD CENTER is the to)$ of$min5, +ea5in0 3ran5 8hen it comes to 3i++s )a/ment.

C !"sers!"ser!Doc#ments!CBCI $ BTL!%&'( Cor)orate Ser*ices Fi+es!MARKETIN,!MKT, $ T-C .ETSETTER!isan03a/a59a+an0$si0nat#re.)n0 The ")5ate5 BAYAD CENTER Lo0o At the heart of the BAYAD CENTER +o0o is the 3ran5 name in a 3o+5, f+o8in0 t/)eface that is re)eate5 in the +ines of the s/m3o+. The 3o+5 +ine in the t/)eface an5 the s/m3o+ ref+ect the re)#tation of the com)an/ 3ehin5 BAYAD CENTER an5 its a3i+it/ to )ro*i5e inno*ati*e )ro5#cts an5 ser*ices. The f+#i5it/ of the t/)eface an5 the +ines, s+i0ht+/ softene5 at the e50es, s#00ests the 5/namic, e*er$chan0in0 nat#re of the )a/ment an5 co++ection +an5sca)e 8ithin 8hich BAYAD CENTER o)erates. The #se of the ho#se to s/m3o+i4e BAYAD CENTER 5ri*es home the conce)t of one$sto) )a/ment con*enience. The a3sence of 8a++s s/m3o+i4es BAYAD CENTER2s e?)ansi*e ser*iceD the roof an5 the 3ase, sec#rit/ an5 sta3i+it/. The 3ran5 s/m3o+ is ren5ere5 in 3+#e, )ic9e5 #) from the CIS cor)orate +o0o. B+#e 5enotes ser*ice 8ith inte0rit/, the 3asic o)eratin0 )hi+oso)h/ that BAYAD CENTER shares 8ith its i++#strio#s cor)orate ascen5ants. The 3ran5 name is re5, s/m3o+ic of BAYAD CENTER2s reso+*e to contin#o#s+/ im)ro*e the E#a+it/ of its ser*ice. Incor)orate5 8ith the ori0ina+ +o0o of BAYAD CENTER is the accre5itation <A Mera+co Com)an/>, sho8in0 its affi+iation as Mera+co2s 5irect s#3si5iar/.

The Ne8 Ta0+ine BAYAD CENTER stren0thens its *a+#e )ro)osition thro#0h the ne8 ta0+ine <Isan0 3a/a5 9a +an0F> The com)an/ commits that their c#stomers2 )a/ments 0et )oste5 an5 that the/ 8on2t ha*e to 8orr/ a3o#t mo*in0 3et8een )a/ment centers to accommo5ate a++ their 3i++s.

-ision :e are a 0+o3a+ or0ani4ation an5 the #n5is)#te5 +ea5er in transaction$3ase5 ser*ices )referre5 3/ instit#tions an5 their c#stomers. Mission To offer the 8i5est an5 most efficient ran0e of transaction$3ase5 ser*ices in the +ar0est 0eo0ra)hica+ area )ossi3+e.

=istor/ The BAYAD CENTER 3#siness mo5e+ is the first of its 9in5 in the 1hi+i))ines conc#rrent+/ )ro*i5in0 a 5e)en5a3+e )a/ment co++ection so+#tion to its cor)orate )artners, creatin0 3#siness o))ort#nities for its

franchisees, an5 offerin0 the )#3+ic a re+ia3+e an5 con*enient 3i++s )a/ment co++ection ser*ice. As a )ioneer, BAYAD CENTER has 5efine5 an5 set the stan5ar5s of the O#tso#rce5 1a/ment Co++ection In5#str/. BAYAD CENTER 8as ori0ina++/ 9no8n as the 1a/ment Co++ection Ser*ice, a 5i*ision of Cor)orate Information So+#tions, Inc. ACISB esta3+ishe5 in Ma/ '667. In %&&G, BAYAD CENTER s)#n$off from CIS to 3ecome CIS BAYAD CENTER, INC. ACBCIB. A /ear +ater, as )art of its mission to 3e )resent in e*er/ )ossi3+e nei0h3o#rhoo5 in the co#ntr/, CBCI transitione5 into a franchisin0 or0ani4ation. BAYAD CENTER is no8 the +ea5in0 3ran5 in the o*er$the$co#nter m#+ti)+e 3i++s )a/ment co++ection 3#siness. It )ro#5+/ )ro*i5es the )#3+ic a 8orr/$free )a/ment co++ection ser*ice for or0ani4ations in the fo++o8in0 sectors #ti+ities, 0o*ernment ser*ice, te+ecomm#nications, ca3+e T-, Internet ser*ice, ins#rance an5 )re$nee5, hea+thcare, trans)ortation, e+ectronic 8a++et, cre5it car5, rea+ estate, financia+ ser*ices, arts an5 entertainment, co+#m3aries, memoria+ )ar9s, an5 charities.

II. Criteria for a Franchisee '. Inte0rit/ H So#n5 Character %. A3sence of Crimina+ H Dero0ator/ Recor5 (. So#n5 Me5ica+ an5 1s/cho+o0ica+ Con5ition I. Financia+ Ca)a3i+it/ H B#siness Sense C. A*ai+a3+e time to mana0e the franchise5 3ranch G. E?istence of net8or9 in the +oca+ mar9et for )ossi3+e c#stomers of Ba/a5 Center. 7. Ca)a3i+it/ to i5entif/ at +east ;,&&& ho#seho+5s in the imme5iate *icinit/ of the )ro)ose5 site.

III. Criteria for a Location '. C#stomer 5ensit/ of the area can sti++ accommo5ate an a55itiona+ Ba/a5 Center franchise. %. =i0h Foot an5 -ehic#+ar Traffic (. 1ro?imit/ to 1artner Ban9Hs @ "C1B an5 BDO Asho#+5 3e former+/ an E1CIB 3ranchB I. -isi3+e to C#stomers C. 1refera3+/ in a Commercia+ Area A)refera3+/B G. 1resence of at +east ;,&&& ho#seho+5s 7. Not 8ithin the )ro?imit/ of an e?istin0 Ba/a5 Center Franchise5 Site

I-. Franchise In*estment For a 9ios9 mo5e+ ha*in0 a reE#ire5 f+oor area of at +east 6 sE#are meters 8ith one A'B co#nter, the estimate5 tota+ franchise in*estment is 1'7C,&&& A-AT$e?c+#5e5B. Brea95o8n is as fo++o8s '. Franchise Fee @ 1 7C,&&&J '%K -AT. Franchise Fee inc+#5es a. "se of the Ba/a5 Center tra5e name an5 s/stem 3. Franchise a))+icant2s characterH3ac90ro#n5 chec9, financia+ e*a+#ation an5 mar9et st#5/ 5ata *erification c. Me5ica+ E?am of FranchiseeHO8ner 5. Si0na0e e. Com)rehensi*e trainin0 for the FranchiseeHO8nerHMana0er A#) to % atten5eesB an5 one te++er a+so at the CBCI Office an5 an/ of the CBCI$o8ne5 3ranches f. Initia+ mar9etin0 co++atera+s 0. O)enin0 team s#))ort

%. EE#i)ment estimate5 at 1'&&,&&&. a. One A'B 3ran5e5 com)#ter 3. One A'B )rinter c. One A'B 3arco5e scanner 5. One A'B f+at3e5 scanner e. One A'B fa? machine f. One A'B *a#+t 0. One A'B mone/ *erifier h. One A'B CCT- camera

Asi5e from the a3o*e in*estment, CBCI 8i++ a+so reE#ire from the Franchisee a minim#m cash 3on5 of 1%&&,&&& to ser*e as sec#rit/ for the cash co++ections.

-. Franchise Ser*ices Offere5

. Bi++s )a/ment an5 mone/ remittance OR . Bi++s )a/ment an5 3#siness center ser*ices

-I. Franchise Benefits Benefits as a Ba/a5 Center Franchisee

'. Bran5 Le*era0e %. O)erationa+ S#))ort (. Trainin0 S#))ort I. Technica+ S#))ort C. Mar9etin0 S#))ort G. Ser*ice Fees

Franchisees earn not on+/ from 3i++s )a/ment co++ection 3#t a+so from Ba/a5 Center2s other 3#siness +ines +i9e mone/ remittance, e$+oa5in0 an5 a))+ication acce)tance thro#0h the Ser*ice Fees 8e )a/ to o#r Franchisees as fo++o8s aB Bi++s 1a/ment Co++ection Fi?e5 Ser*ice Fee Rates of 1h)(.&&, 1h)I.&&, or 1h)C.&& )er transaction 5e)en5in0 on the 3i++ )rocesse5.

3B Mone/ Remittance Ser*ice $ Ser*ice Fee rate for mone/ remittance ser*ice is at an a*era0e of 1%&.&& )er transaction.

cB eLoa5in0 @ 6K )rofit on eLoa5 sa+es NOTE This )rofit rate is s#3Lect to chan0e #)on a5*ice 3/ the te+ecomm#nications com)anies.

-II. Franchise Term The franchise term is for three A(B /ears. The Franchise ma/ 3e rene8e5 for another ( /ears 5e)en5in0 on the Franchisee2s )erformance.

-III. A))+ication 1roce5#re '. A))+icant s#3mits Letter of Intent to CIS Ba/a5 Center, Inc. ACBCIB 8ith attache5 Location Ma) of )ro)ose5 site. The +etter 8ith ma) can 3e sent to o#r office at fa? no. G(C$(;6C.

ANOTE Letter sho#+5 3e a55resse5 to MR. FRANCIS1ITO 1. M"E-EDO, Senior -ice 1resi5ent N COO. 1+ease inc+#5e in the +etter com)+ete a55ress of the )ro)ose5 site as 8e++ as a))+icant2s contact info @ +an5+ine, fa? N ce++)hone n#m3ers.B %. CBCI screens )ro)ose5 site. (. CBCI con5#cts Franchise Orientation. I. A))+icant s#3mits Mar9et St#5/ an5 A))+ication Form 8ith a++ s#))ortin0 5oc#ments an5 )a/s 1'C,&&& )rocessin0 fee. C. CBCI *erifies Mar9et St#5/ 5ata.

G. CBCI con5#cts characterH3ac90ro#n5 an5 financia+ chec9He*a+#ation on the a))+icant. 7. CBCI con5#cts 1ane+ Inter*ie8. ;. If a))ro*e5, A))+icant si0ns Memoran5#m of A0reement an5 re*ie8s Franchise A0reement. 6. Si0ns the Franchise A0reement an5 )a/s the Franchise Fee 3a+ance. '&. Franchisee com)+ies 8ith a++ )re$o)enin0 or 5e*e+o)ment )erio5 reE#irements.

For more information CIS BAYAD CENTER, INC. B#siness So+#tions Center, Mera+co Com)+e? Orti0as A*e., 1asi0 Cit/ Te+e)hone N#m3ers %&6 $ 7'% AA. 1aso+BD 'G%%$G&G7 AA3h/ Ocam)oBD G(C$(;C7 Ate+efa?B Emai+ a55resses a5)aso+Ocis.com.)hD aaocam)oOcis.com.)h