2. iCom iCom® envisions to take part on taking care of every family’s financial needs globally and make sure that all transactions made, are done safely and securely.

3. iCom Send money quickly and easily to family and friends with iCom® It's fast, convenient, and secure. No more waiting in line. Send money any time of the day from the comfort of your own home. Save money! Compare our fees and exchange rates with the competition. Send money in minutes for holidays, special occasions or any event back home. iCom iCom® partners with trusted financial institutions in your home country.

4. Over the last few years, the mobile and wireless market has been one of the fastest growing markets in the world and it is still growing at a rapid pace. According to the GSM Association and Ovum, the number of mobile subscribers exceeded 2 billion in September 2005, and now (2009) exceeds 2.5 billion (of which more than 2 billion are GSM)GSM AssociationOvumGSM iCom iCom®

5. According to a study by financial consultancy Celent, 35% of online banking households will be using mobile banking by 2010, up from less than 1% today. Upwards of 70% of bank center call volume is projected to come from mobile phones. Mobile banking will eventually allow users to make payments at the physical point of sale. "Mobile contactless payments” will make up 10% of the contactless market by 2010. [3] Another study from 2010 by Berg Insight forecasts that the number of mobile banking users in the US will grow from 12 million in 2009 to 86 million in 2015. The same study also predicts that the European market will grow from 7 million mobile banking users in 2009 to 115 million users in 2015Celentonline bankingpoint of salecontactless payments [3]Berg Insight

6. Many believe that mobile users have just started to fully utilize the data capabilities in their mobile phones. In Asian countries like India, China, Bangladesh, Indonesia and Philippines, where mobile infrastructure is comparatively better than the fixed-line infrastructure, and in European countries, where mobile phone penetration is very high (at least 80% of consumers use a mobile phone), mobile banking is likely to appeal even more.mobile phonesIndiaChinaBangladeshIndonesiaPhilippinesEuropean

8. Fast deposits to any bank account in the Philippines. Deposits in minutes to Philippine National Bank (PNB) and Banco De Oro (BDO) and deposits in just a few hours to Metrobank, and Bank of the Philippine Islands (BPI). iCom iCom® Payment Gateway

9. Pick up money in minutes at Banco De Oro (BDO), Bank of the Philippine Islands (BPI), Cebuana Lhuilhier, Globe Gcash Remit including Globe Telecom centers, Mlhuilhier, )Philippine National Bank (PNB), SM Malls, SaveMore Supermarkets, Tambunting,Villarica, and rural banks. Cash Pickup is generally available in minutes at most locations. Many Cebuana Lhuillier and MLhuillier locations are also open 24 hours a day, 7 days a week iCom iCom® Payment Gateway Pick-up

10. Rush Delivery in 6 hours or less to Metro Manila at no extra cost! Fast delivery within 1 to 2 days to most other provinces. iCom iCom® Door-to-Door Deliver iCom iCom® Door-to-Door Deliver

11. Pay the bills at your own comfort. Whether you are on the office, house, or outside hanging with your family, paying bills is now as easy as one click.

12. Business owners can now have a Dedicated Online Payroll System with a Digital History of Transactions and Control Numbers of each transacted payroll.

13. iComTop-up Loading System iCom® Top-up Loading System A Pre-Paid Card with Multiple denominations that can be bought on any of your nearest retail outlets such as the convenience stores. This can be used to either remit a money abroad, buy items online, Bank Deposits, or Transfer of credits.

14. iCom24/7 Customer Support iCom® 24/7 Customer Support PHONE SUPPORT LIVE CHAT SUPPORT

15. Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat. -Sun Tzu, The Art of War

16. To satisfy the needs, wants and expectations of target customers. Customers To outperform competition. Competition To ensure company health and profit. Company 3C Key Objectives of iCom 3C Key Objectives of iCom®

17. Customers Company Competition Sales ProfitMarket Shares Input and Output of Marketing Key Result Areas

18. Sales Sales It is a result from satisfying customer‘s needs and wants. Gaining Market share is an effect of outperforming the competition. The general first step on creating a demand is by building awareness for the brand and product via mass media.

19. iCom iCom®

20. Migrant remittances provide the most direct, immediate, and far-reaching benefit to overseas workers, their families, and their countries of origin. Despite the social and other costs of migration, many families of overseas workers, particularly those in the low-income sectors, rely on remittances as the major- if not, the main or primary source of funds for their basic or daily needs. Annual remittances to developing countries more than doubled between 1988 and 1999, pushing officially reported remittances approximately 20% higher than official development assistance. Between 1995 and 1999, three of the top 15 developing countries in terms of remittances received were from Asia – India, Philippines, and Thailand. Please Click here for the Statistics of Overseas Filipino Remittances Data Please click here for the Feasibility Study of the Electronic Money Remittances to Extend Social Security Coverage for Migrant Workers

22. Most of the Filipino companies now engaged in money transfers started as cargo companies, quite a few still handle cargo and remittance transactions for Filipino overseas. In the succeeding years, Filipino companies were established to concentrate purely on remittance services. Several companies, including I-Remit, Inc. and LBC Express, Inc are considered significant players in the industry, handling remittance volumes ranging between US$25 million and US$ 500 million each annually. These companies have longer business hours than formal institutions, are nearer and more accessible to remitters, and offer banking services to remitters through their partnership with banks.

23. TYPES OF TRANSFER MECHANISMS The table below compares different types of transfer mechanisms offered by banks and nonbank institutions in the US, indicating the price, speed of delivery, and whether the product requires a deposit account for the remitter and the beneficiary. The comparison suggests that the credit-to-account system offered by Philippine banks is the most competitive in cost and speed. The comparison exclude foreign exchange spreads, which usually range from 1% to 1.25%. However, some international money transfer companies have spreads that range from 2% to 2.7%

24. Certain characteristics of these transfer mechanisms bear emphasis: A) First, most of the products do not require bank accounts for the beneficiary. As such, the product performs simply as a remittance mechanism without introducing remitters and their families to banking, savings, investment, or other financial products and services. B) Second, the somewhat low usage of door-to-door services might be attributed to the greater use of ATM and other low-cost banking products heavily marketed by banks. Nonetheless, door-to-door services will continue to be used as long as some remote areas are underserved by banks. C) Third, transfer fees from the US to the Philippines involving the payment of proceeds in US dollars are higher than when proceeds are paid in pesos, due to the absence of a foreign exchange spread on the dollar-to-dollar transaction. However, these costs are still lower than what remitters have to pay US banks, which is US$35 – $45 compared to US $6-$15 if done through Philippine banks.

27. The general who wins the battle makes many calculations in his temple before the battle is fought. The general who loses makes but few calculations beforehand. -Sun Tzu, Art of War