MONTHLY INVESTMENT PROGRAM

1. MONTHLY INVESTMENT PROGRAM

2. Company Profile FIRST METRO ASSET MANAGEMENT, INC. • A partnership between three institutions • First Metro Investment Corporation (FMIC) • Catholic Educational Association of the Philippines (CEAP) • Marist Brothers Foundation • Manages 3 Mutual Funds • Over P1 Billion in assets under management ASSETS UNDER MANAGEMENT (AUM) As of December 31, 2007 FRIST METRO INVESTMENT CORPORATION • Founded in 1972 • A Metrobank subsidiary • The only publicly listed investment bank in the PSE • A leading investment banker in the Philippines • Market Capitalization : PHP 14.9 Bn • Total Assets : PHP 44.8 Bn • Capital funds : PHP 8.3 Bn • 2007 Net income : PHP 1.4 Bn P1.105 Bln.

3. Program Rationale • Only one out of ten (1:10) Filipinos save for retirement • Lack of Disposable Income • Little or no knowledge / access to better investment instruments • Lack of Discipline • As of June 2006 the average monthly SSS pension is only P2,546. • Some studies say that the SSS fund can last only up to 2015; GSIS 2042 • Most Filipinos fail to realize that a major portion of their retirement benefit will be used for medical expenses • One HMO company estimates that claims from people over 60 will be around P60T per year. • The average Filipino savings will last for 2 months (Citibank on-line survey)

4. Program Rationale • Filipinos fail to save due to the following reasons: • Lack of disposable income • Little or no knowledge regarding investments • Lack of financial discipline

5. FAMI’S Solution • Investment Literacy Program • How To Save For Your Future When You Think You Have Nothing To Save • One hour presentation • Provide the investment instrument • Via the First Metro Save and Learn Mutual Funds • Low Capital Requirement • Can provide reasonable returns to small investors • Provide a tool for Self Discipline • Through the Monthly Investment Program

6. Investment Literacy Program Title: How to Save for Your Future When You Think You Have Nothing to Save (Part 1) Duration: 30 Mins. Outline: • Definition of Investment • Risks in Investing • Reasons for Investing • Myths about Saving and Investing

7. Mutual Funds Title: How to Save for Your Future When You Think You Have Nothing to Save (Part 2) Duration: 15 Mins. Outline: • Mutual Fund Concept • Structure and Fees • Types of Mutual Funds • Advantages of Mutual Fund Investing • Mutual Fund Applications

8. Monthly Investment Program Title: How to Save for Your Future When You Think You Have Nothing to Save (Part 3) Duration: 15 Mins. Outline: • Program Flow • Advantages and Benefits • Practical Applications

9. Monthly Investment Program Programmed monthly investments through voluntary SALARY DEDUCTION WHY ADVOCATE THIS PROGRAM? • Because many employees do not have the financial discipline necessary to save for their future. • Because many employees can not afford the minimum capital requirements of most investment vehicles.

10. Monthly Investment Program Programmed monthly investments through voluntary SALARY DEDUCTION

11. 3 • Accounting • Salary Deduction (3: Maker) • Check hash totals (2: Checker; 3: Maker) • Sign-off and send list to HR (3: Authorizer) • Issue Check to Fund (4: Maker) 2 • HR • Verify completeness of forms from the employee (1: Checker) • Encode Information (2: Maker) • List of Employees per fund with hash totals (2: Maker) • Verify salary deduction (3: Checker) • Sign-off and send list to FAMI (4: Authorizer) • Employee • Account Opening Form • Authority to Deduct • (1: Maker) 1 • FAMI • Uploads List from HR; generate report (5: Maker - Accounting) • Check hash totals (5: Checker - EBV) • Confirmation of booking (5: Authorizer - HDL) • Send report, C.O.R., SOA (quarterly) (5) 4 5 Monthly Investment Program • Invest in any of the FAMI Funds via Salary Deduction • Every 15th of the month or whatever date is best for the institution • Minimum of P500 per month • Apply through H.R. or Administration Department • Deductions will continue until stopped or changed by employee TRANSACTION FLOW: PURCHASE

12. 4 • FAMI • Verifies adequacy of the shares (2: Checker) • Uploads List (2: Authorizer; 3 Maker - Accounting) • Generate list of redemptions processed and checks against hash totals (3: Checker - EBV) • Deposit to payroll account (3: Authorizer – HDL, Accounting) • Sign-off list and send a copy of Deposit Slip to HR (4: Maker - HDL) • HR • Verifies the identity of the employee (1: Checker) • List of Employees per fund with hash totals (2: Maker) • Verify hash totals of redemptions that were booked (4: Checker) • Employee • Redemption Request Form • (1: Maker) 1 2 3 Monthly Investment Program • Only the employees can file the redemption • Redemptions can be processed without stopping the deductions • Redemption must go through HR or Administration Department TRANSACTION FLOW: REDEMPTION

13. Advantages and Benefits • Very convenient • Very affordable; PAINLESS • Enables short-term and long-term financial planning • Retirement • College Education • Building a Home • Capital for Business • Family Vacation • Wedding, etc.

14. Moving Forward 1. FAMI – School Representatives Meeting • Operational Processes • Controls • Assign the schools Program Coordinator 2. Automation if Possible • IT Alternatives 3. Seminar for Teachers/Employees 4. Implementation on Target Date

15. End of Presentation: Thank You Tel Nos. 891-2860 to 65, fami@firstmetrofunds.com.ph www.firstmetrofunds.com.ph