1. PinoyME Forum October 30, 2009 CARD MRI Experience in Responding to the Needs of Victims of Natural Calamities Thru CARD Disaster Relief Assistance Program (CDRAP) By: Dr. Jaime Aristotle B. Alip Founder and Managing Director, CARD MRI

2. 2007 2005 1999 19971986 2006 “Mga Institusyon sa iisang Misyon” 2007

3. Partnership Program in Hongkong since 2007 More than 859 Offices all over the Philippines since1986 Partnership Program in Indonesia since February 2008 First International NGO Office in Cambodia since 2006 Partnership Program with TYM in Vietnam since 2005 Establish- ment of an NGO office in Laos starting 2009 Geographical presence of CARD MRI

4. Clients (incl. Savers): 931,277 Total Assets: Php6.9B Loan Clients: 909,113Total Liabilities: Php5.6B Loan Outstanding: Php3.2BTotal Equity: Php1.3B Savings: Php2.2B Operational Sufficiency: 116.78% Repayment Rate: 99.35% Financial Sufficiency: 106.20% Staffing: 5,065 Offices: 859 Clients (incl. Savers): 931,277 Total Assets: Php6.9B Loan Clients: 909,113Total Liabilities: Php5.6B Loan Outstanding: Php3.2BTotal Equity: Php1.3B Savings: Php2.2B Operational Sufficiency: 116.78% Repayment Rate: 99.35% Financial Sufficiency: 106.20% Staffing: 5,065 Offices: 859 Number of Clients: 1,052,940 (38.35% contribution in the MFI outreach in the country or 21.71% contribution to Poverty Reduction) Number of Insured Individuals: 4,545,570 (19% contribution in the overall insured Filipinos) Number of Clients: 1,052,940 (38.35% contribution in the MFI outreach in the country or 21.71% contribution to Poverty Reduction) Number of Insured Individuals: 4,545,570 (19% contribution in the overall insured Filipinos) The CARD MRI: SEPTEMBER 2009

5. CARD MBA

6. and to actively involve its members in the direct management of the Association including formulation and implementation of policies and procedures geared towards sustainability and improved services. to extend financial assistance to its members in the form of death benefits, medical subsidy, pension/ retirement savings and loan redemption. - Benefits i.e. 50k/100k - Payment Scheme – 1:3:5 CARD MBA is a mutual benefit association formed in 1999:

7. “Assisting people in coping with uncertainties…”

8. 1.Established in June 15, 2007 2.The main objectives of the Agency are:  To conceptualize microinsurance products (mostly non-life) as needed by the members of CARD MRI and its affiliates.  To serve the identified insurance needs of CARD MRI and its affiliates thru partnership with various insurance companies.

9. CaMIA Packaged Assistance In case of Disaster Plan (CaMIA PAID Plan) “If misfortune befell upon you, consider your claim PAID” 3-in-1 insurance package for Php 250.00 yearly premium Personal Accident up to Php 100,000 Funeral Benefit of Php 20,000 Re-house up to Php 10,000

10. CARD DISASTER RELIEF ASSISTANCE PROGRAM (CDRAP) CARD DISASTER RELIEF ASSISTANCE PROGRAM (CDRAP) CDRAP is being implemented by CARD MBA with the assistance of CaMIA and CARD MRI. The program started in December 2006, when there were large numbers of members affected by the mudflow due to the volcanic eruption of Mayon Volcano in Albay. Since then, this program was implemented providing relief goods to the affected members of natural calamities like typhoons, fire, earthquakes, floods, landslides, volcanic eruption and even man-made calamities like ablaze.

11. FAMILY PACK FOR THE AFFECTED MEMBERS

12. CARD MRI EXPERIENCE ON TYHOON ONDOY AND PEPENG

13. DAMAGE ASSESSMENT

14. PACKING OF RELIEF GOODS

15. DISTRIBUTION OF FAMILY PACKS

16. VALIDATION OF CLAIMS

17. AFFECTED MEMBERS

18. AFFECTED STAFFS Affected Staffs due to Typhoon Ondoy 541 Affected Staffs due to Typhoon Pepeng 457 Total998 Financial Assistance to the Staffs Php 2.6M

19. CLAIMS PAID by CARD MBA and CaMIA

20. CARD MRI RELIEF AND MICROINSURANCE ASSISTANCE Total Assistance for the two typhoons Relief Assistance 19.6M Staff Assistance2.6M Claims Paid1.6M TOTALPhp23.8M

21. Moratorium of loan payment (1 week – 1 month) Calamity Loan for members (Php5,000-Php10,000) CARD MRI LOAN REHABILITATION ASSISTANCE

22. CARD MBA RELIEF AND MICROINSURANCE ASSISTANCE 1999 TO 2009 GRAND TOTAL AMOUNT – 389.589

23. IMPACT TO CARD MRI 1. Helps increase membership expansion 2. Defaulting members update their payment with CARD MRI 3. CARD MRI was known for its corporate social responsibility 4. Safety net of clients

24. THE EXECUTIVE COMMITTEE

25. Maraming Salamat! CARD MRI Philippines