OFW Investment Presentation

2Philam Life confidential and proprietary information. Not for distribution. OFWINVESTMENT FORUM

|Philam Life confidential and proprietary information. Not for distribution. 1IS IT GOOD TO INVEST IN THE PHILIPPINES TODAY?

|Philam Life confidential and proprietary information. Not for distribution. 2PROBABLE REASONS WHY PINOYS DONT INVEST

|Philam Life confidential and proprietary information. Not for distribution. 3WHY OFWs FAIL IN THEIR FINANCES AND HOW TO AVOID THEM

|Philam Life confidential and proprietary information. Not for distribution.

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I influence people to be better than who they think they are and help them create opportunities to be financially free.I am DJ Dimaliuat


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|Philam Life confidential and proprietary information. Not for distribution. THINGS WERE NOT ALWAYS LIKE THIS





























|Philam Life confidential and proprietary information. Not for distribution. MY LIFE JOURNEY


|Philam Life confidential and proprietary information. Not for distribution. Php 3.4 MillionPhp 81,000


|Philam Life confidential and proprietary information. Not for distribution. 55 NEW MILLIONAIRES IN THE PAST 6 YEARS


2Philam Life confidential and proprietary information. Not for distribution. UPDATE IN THE PHILIPPINE ECONOMY


Economic officials welcomed the latest credit-rating upgrade, which marks the 24th positive rating action for the Philippines under the Aquino administration.


MANILA, Philippines - Seoul-based debt watcher NICE Investors Service has upgraded the credit rating of the Philippines, allowing the country to tightly secure a place within the investment-grade territory.In a statement, NICE upgraded the credit rating of the Philippines by a notch to BBB or a step above investment grade from the minimum investment grade of BBB- amid the countrys governance reforms and intensified campaign for infrastructure development.The Philippines has received investment grading ratings from Standard & Poors, Moodys Investors Service, and Fitch Ratings.The Korean debt watcher said the upgrade was anchored on improved government transparency as well as enhanced environment backed by expanded infrastructure and social overhead capitals in the form of public-private partnerships.The upgrade came amid sustained rise in infrastructure investments as the Aquino administration has raised its infrastructure budget to five percent of gross domestic product this year from 1.8 percent of GDP in 2010.Likewise, the rating agency cited the award of several infrastructure projects under the public private partnership (PPP) scheme worth $4.8 billion since 2010, making the Philippines one of the most active infrastructure markets in Southeast Asia.Business ( Article MRec ), pagematch: 1, sectionmatch: 1The Philippines new credit rating with NICE is assigned a stable outlook, indicating it may stay the same at least over the short term despite challenges posed by external developments.Compared with peers, NICE said, the Philippines is seen to be more resilient to shocks, including the impact of a slowing Chinese economy and market volatility arising from higher interest rates in the US.Considering its trade structure and strong foreign exchange liquidity, the impact of global economic uncertainties such as slowdown of the Chinese economy and US interest rate hike will be manageable, NICE said.The credit watchdog expects the Philippines to sustain a robust economic growth of 6.3 percent over the short and medium term.Economic officials welcomed the latest credit-rating upgrade, which marks the 24th positive rating action for the Philippines under the Aquino administration.BSP Governor Amando Tetangco Jr. said the string of favorable actions from credit rating agencies resonates the process of economic strengthening that the Philippines has undergone over the yearsContributory to this process were forward-looking monetary policy, proactive bank supervision, and prudent external accounts management, which have played crucial roles in promoting a stable inflation environment and a strong financial system, Tetangco said.Virtuous cycles result from dogged discipline, even when political headwinds seem too strong. Expanded fiscal space has opened up a Pandoras box of opportunities in infrastructure, allowing us to play a fast game of catch-up with our neighbors, Finance Secretary Cesar Purisima said.With increased transparency, we have empowered citizens who participate in the process of governance, and who having known the gains reforms can bring will refuse to roll back progress, Purisima said.With this latest credit rating action from NICE, the finance chief said Fitch remains the only agency that assigns the minimum investment grade to the Philippines.Editha Martin, executive director of the Investor Relations Office, said upgrades in credit ratings have provided concrete benefits for the economy, including improved business confidence and reduced borrowing cost for the government.The latter has contributed to lower commercial lending rates for consumers and businesses as well, thus fueling consumption and investments.

Philippine Credit RatingsBBBStableBBB-PositiveBaa2Stable


Even the other major credit-agencies have recognized the credit worthiness of the Philippines and have upgraded the countrys credit-rating to investment grade. S&P and Moodys gave a rating that is one notch higher than the minimum investment grade.


The 6.3% growth in the last quarter of 2015 affirms that the economy is indeed steadily traversing the higher growth path, building on the solid efforts by both public and private sectors. For 2015, among the major developing countries, the Philippines will likely be among the fastest in Asia, next to India, China, and Vietnam, --- SocioEconomic Planning Secretary Arsenio Balisacan


Q1 5%Q2 5.8% Q3 6%Q4 6.3%

MANILA, Philippines (UPDATED) The Philippines' gross domestic product (GDP) grew by 6.3% in the last quarter of 2015, up from 6.0% in the 3rd quarter, the government announced Thursday, January 28.This brought GDP growth for the entire 2015 to to 5.8%, the Philippine Statistics Authority (PSA) said in a press briefing. This means growth this year is lower than the2014 growthof 6.1%.The 2015 full-year figure, however, is slightly higher than what's been predicted internationally.Early this week, multilateral lender International Monetary Fund (IMF) slashed the GDP growth of the Philippines to 5.7% instead of 6% for 2015 amid the slowdown in China and the normalization of interest rates in the US.The Q4 growth was also higher than what some analysts had foreseen.Moodys Analytics earliersaid in its latest Asia-Pacific economic preview that the GDP growth for 4th quarter would be 5.9%.Services up, industry and agriculture downGrowth in the 4thquarter was driven largely by the services sector, which accelerated to 7.4% from 5.6% in the previous year. Industry slowed to 6.8% from 9.1% and agriculture in particular contracted by 0.3%, the PSA said.Services also served as the main avenue for growth for the whole of 2015, growing at 6.7% compared to the 5.9% last year.In contrast, the industry and agricultural sectors both slowed from last year. Industry grew by 6.0% compared to the 7.9% seen last year and agriculture slowed to 0.2% from last years 1.6% growthYou can see from the results that slower growth is due largely from agriculture. It actually contracted in the 4thquarter and compared to the others it gave the slowest growth for the year, said National Statistician Lisa Grace Bersales.OutgoingSocioeconomic Planning Secretary Arsenio Balisacan pointed out that developing the agricultural sector is a priority.The agricultural sector persists to be the biggest road block in our goal where attaining a higher and more inclusive growth both in the light of improving crop production and farmers income. There is an urgent need to rethink the development strategy for this sector, especially with the impact of El Nio and natural disasters that hound the country yearly, he said.He also pointed out that while the agriculture sector is small in terms of GDP at about 10%, it represents about 30% of total employment so there is a need to revitalize it. It would help in poverty reduction as well.PROGRESS REPORT. National Statistician Lisa Grace Bersales (2nd from left) and outgoing Socioeconomic Planning Secretary Arsenio Balisacan (3rd from left) lead the presentation of the country's economic progress for 2015. Photo by Chris Schnabel/RapplerSluggish exportsSlower exportswas also cited as one of the factors behind slower growth, with Balisacan conceding that "it was a sharp deterioration with imports far exceeding exports. If exports stayed at 2014 levels, this years growth would have been stronger."He does, however, see some cause for optimism in the figures."What is encouraging is that if you look at it, much of the imports were in capital and intermediate inputs and durable equipment, imports that will fuel subsequent economic activity," he said.This, he explained, is an indication of confidence in the economy and bodes well for the economy in the medium term."I would be more concerned if import growth was high but much of it was consumption-based. That wouldve been a sign of weakness in the economy," he emphasized.Outlook for 2016Asked about the outlook for the new year, Balisacan said that the government is still in the process of estimating exact figures for 2016 growth, but that the aim is in the upper range of 6-7%."We have the benefits of research and knowledge about the constraints holding back the economy in reaching higher growth and we can address those. Ill go for 7% growth. We have the fiscal space, we can aim for higher growth without compromising economic fundamentals," he said.In the past, he explained, every time you wanted to reach for 7% growth, you know it wouldnt be sustainable as it would put a strain on the countrys finances which isnt the case anymore as the economic fundamentals are more sound.To emphasize this point, the Bangko Sentral ng Pilipinas (BSP) also announced Thursday that it would maintain interest rates, citing low inflation and the US Federal Reserve's caution for now."The Fed's wait and see tone reflects the changing global dynamics. For us, we continue to see no need to adjust policy settings at the moment, given the healthy fourth quarter GDP figure of 6.3% and an inflation outlook of a slow creep to within target over the policy horizon," said BSP Governor Amando Tetangco Jr.Global risksTheIMFand theWorld Bankare both pessimistic about global growth this year with both warning of potential shocks due to Chinas slowdown, a strong dollar, and low oil prices.Balisacan said that the economy is reasonably prepared to face these risks because, while there might be dollar outflows stemming from the US Fed rate hike, the countrys source of foreign exchange is much more diversified than before.On the China front, the slowdown has been long expected and its growth turned out to be more resilient than expected. Having said that, because of Chinas size no one is spared from the slowdown, he said.Balisacan also agreed with the sentiments of economists saying that in general, low oil prices arebeneficial to the Philippines, but it may deepen problems in exporting countries creating shocks so it needs to be monitored closely.The 6.3% growth in the last quarter of 2015 affirms that the economy is indeed steadily traversing the higher growth path, building on the solid efforts by both public and private sectors. For 2015, among the major developing countries, the Philippines will likely be among the fastest in Asia, next to India, China, and Vietnam, Balisacan said.

What is GDP?


Philippines remain of the fastest growing economies in Asia


Philippines was the 4th fastest growing economy in Asia.


MANILA, Philippines Money sent home by overseas Filipino workers are forecast to reach $29.7 billion this year, making the Philippines the worlds third largest recipient of remittances, according to the World Bank.Based on the World Banks Migration and Remittances Factbook 2016, India would be the top recipient of remittances which are seen to hit about $72.2 billion, followed by China with $63.9 billion and the Philippines.Trailing behind are Mexico ($25.7 billion), France ($24.6 billion), Nigeria ($20.8 billion), the Arab Republic of Egypt ($20.4 billion), Pakistan ($20.1 billion), Germany ($17.5 billion), Bangladesh ($15.8 billion), Vietnam ($12.3 billion), Belgium ($11 billion), Spain ($10.5 billion), and Indonesia ($10.5 billion).The Bangko Sentral ng Pilipinas (BSP) estimated that remittances coursed through the countrys bank system would expand over five percent from $24.31 billion in 2014.The World Bank outlook is a mix of remittances coursed through the formal and non-formal sectors.However, remittances as a percentage of gross domestic product (GDP) are projected to remain at 10 percent.Business ( Article MRec ), pagematch: 1, sectionmatch: 1The same report likewise disclosed that international migrants would send $601 billion to their families in their home countries this year, with developing countries receiving $441 billion.At more than three times the size of development aid, international migrants remittances provide a lifeline for millions of households in developing countries. In addition, migrants hold more than $500 billion in annual savings. Together, remittances and migrant savings offer a substantial source of financing for development projects that can improve lives and livelihoods in developing countries, Dilip Ratha, co-author of the report, said.The World Bank said the real size of remittances is significantly larger as there are unrecorded flows through the formal and informal sectors.More than 247 million people, or 3.4 percent of the world population, live outside their countries of birth.Although the number of international migrants rose from 175 million in 2000 to more than 247 million in 2013 and will surpass 251 million in 2015, the share of migrants has remained just above three percent (of world population) for the last 15 years.The top migrant destination country is the US, followed by Saudi Arabia, Germany, the Russian Federation, the United Arab Emirates, the United Kingdom, France, Canada, Spain, and Australia.Last year, the United States had an estimated $56 billion in outward flows, followed by Saudi Arabia ($37 billion), and Russia ($33 billion).For the Philippines, the top destinations are Saudi Arabia, other Middle East/North Africa (MENA), the US and Canada, and Asia.The top six immigration countries, relative to population, are outside the high-income OECD countries: Qatar (91 percent), United Arab Emirates (88 percent), Kuwait (72 percent), Jordan (56 percent), and Bahrain (54 percent).There is ample research to demonstrate that migration, both of highly-skilled and low skilled workers, generates numerous benefits for receiving and sending countries. The diaspora of developing countries and return migration can be a source of capital, trade, investment, knowledge, and technology transfers, the report added.Last year, there were 14.4 million refugees (excluding 5.1 million Palestinian refugees), accounting for six percent of international migrants. About 86 percent of the refugees were hosted by developing countries, with Turkey, Pakistan, Lebanon, Iran, Ethiopia, Jordan, Kenya, Chad, and Uganda as the largest host countries.In contrast, the number of refugees in advanced countries was 1.6 million.The top 10 leading source countries of refugees last year were Syria Arab Republic, West Bank and Gaza, Afghanistan, Somalia, Sudan, South Sudan, Congo, Myanmar, Central African Republic and Iraq.

December's rate (1.5%) subsequently brought the average inflation rate for 2015 to 1.4 percent. It marked the lowest annual figure for the Aquino administration. The rate is also lower than 2014's average figure of 4.1 percent. CNN Philippines


Another key economic indicator is inflation. It is the increase in the general price level of goods and services in an economy over a period of time. It diminishes the purchasing power of your money. It lowers the value of your peso.

The average inflation rate in the Philippines for the past 10 years is 4.8%. This means that the average increase in price of goods and services for the past 10 years is 4.8%. This also means that your pesos value or purchasing power diminished by 4.8% annually.

Last 2014, the inflation rate was 4.1%. This is within the government target of 3-5%. 4.1% is considered low and stable. Low and stable inflation favors the country as it encourages money to flow in the economy.

___Philippines annual inflation rate rose 1.5 percent in December of 2015 from 1.1 percent in November and slightly above market consensus. It is the highest figure since May, as cost of housing and utilities declined less than in previous month while prices of food & non-alcoholic beverages were steady.

Year-on-year, prices increased for: alcoholic beverages and tobacco (+4.4 percent in December from +3.9 percent in November); health (+1.9 percent from +1.8 percent); transport (+2.2 percent from +0.6 percent) and recreation & culture (+1.1 percent from +1.0 percent). Prices of heavily-weighted food and non-alcoholic beverages rose 1.7 percent, the same pace as in the previous month. Cost also steady for: clothing & footwear (+2.3 percent); furnishing, household equipment and routine maintenance (+1.6 percent); education (+3.6 percent) and restaurant, miscellaneous goods & services (+1.4 percent). In contrast, cost declined for housing, water, electricity, gas & other fuels (-0.3 percent from -1.2 percent).

Core inflation rose 2.1 percent from a year earlier, following a 1.8 percent increase in the preceding month. It is also the highest figure in 7 months

For full year of 2015, consumer prices rose 1.4 percent, below the central bank target for the year at 2.0 percent to 4.0 percent. A year earlier, consumer prices increased by 4.1 percent.

On a monthly basis, consumer prices increased by 0.2 percent, slowing from a 0.5 percent rise in November and in line with market expectations. Prices rose for; alcoholic beverages and tobacco (+0.8 percent); clothing and footwear (+0.2 percent); housing, water, electricity, gas and other fuels (+0.2 percent); transport (+0.9 percent); recreation & culture (+0.1 percent) and restaurant & miscellaneous goods and services (+0.2 percent). In contrast, prices declined for food and non-alcoholic beverages (-0.1 percent). While cost was steady for furnishing, household equipment and routine maintenance (+0.2 percent), prices remained unchanged for communication and education.


Investopedia: An interest rate is the rate at which interest is paid by borrowers (debtors) for the use of money that they borrow from lenders (creditors).

Interest rates in the Philippines remain low. This is positive if you are a borrower but negative if you are an investor.

Positive because low interest rate encourages people to borrow money for various purposes - to buy a car, house and lot or have a capital for business. Businessmen take advantage of low interest rates to be able to expand or infuse more funds into their business.

For investors/depositors, low interest rate is negative as is it means lower returns on their investments/savings. It also means that the growth of their money, whether in amount or value, is slower. Worse is, they will not be able to keep the value of their money if the interest rate is lower than the inflation rate.

Let me illustrate how your money losses its value: Say you invested your money in a 365 day time deposit account. (The average 365 time deposit rate today is 1.2% per annum. This is gross of tax.) Even if the amount of your money grew by 1.2%, you lost 2.9% in terms of the value of your money. Why? Because when you impute 4.1% (2014 inflation rate) in your money, you will realize that the real rate return that you have got is -2.9% (1.2% interest rate less 4.1% inflations is equal to -2.9%).

Interest rates in the Philippines


2Philam Life confidential and proprietary information. Not for distribution. REASONS WHY FILIPINOS DONT INVEST

|Philam Life confidential and proprietary information. Not for distribution. 1NOT TAUGHT IN SCHOOL



As more and more Filipinos are able to realize the need to prepare for the future and put their money in the bank, much has to be done to educate Filipinos about keeping and growing the value of their money. They have to know that there are other available financial instruments that can give returns that will beat the inflation rate.

Are you a depositor or an investor?

YEAR201020112012201320142015

How much would your P20,000 be by end of 2015 if you deposited or invested it in 2009?1 YR TIME DEPOSIT 20,681.12 21,055.70 21,386.69 21,517.24 21,702.97 21,946.04

STOCKS 25,268.41 23,640.30 40,685.23 36,403.27 41,030.06 36,534.21


One of the options is stocks. It is a type of security that signifies ownership in a corporation and represents a claim on part of the corporation's assets and earnings (Investopedia). Historically, stocks have outperformed other instruments over the long run.

I will show you how one is able to grow the amount and value of his money over the long term by showing the difference between a depositor and an investor (or a shareholder).

Compare the returns of 1 yr time deposit and value of BPI stocks.

4.26% 2.26% 1.97% 0.76% 1.08% 1.4%

57.89 54.16 93.21 83.4 94 83.7

2DONT LIKE VOLATILITY



Investing in stocks may be rewarding but many decide not to do it as it is very risky. This graph tells us that indeed, with the fluctuations in the stock prices, one could really loss his money in just a short period of time.

However, there are many strategies on how to mitigate the risks in stock investing. One reliable strategy is staying invested over a long period of time.


This graph shows us that staying invested over the long term is rewarding as the trend of the stock price is going up. The previous graph, which shows the movement of stock prices in 3 months, is quite unnoticeable when your investment time horizon is long term at least 5 years.

3CANT WAIT AND ALWAYS IN A HURRY


Would you like to be part-owners of these firms?


Who among you would like to become part-owners of these big companies?

When you buy the stocks of these companies, you become shareholders or part-owners of these companies. And as part-owners, you have a claim on the assets or earnings of these companies.

Your earnings had you invested 5 years agoEnd of 2009 Stock PriceEnd of 2015 Stock Price6YR GrowthAve. Annual Returns11.2534.50206%34.33%55.00218.60297%49.50%260855228%38.00%20531755% 9.16%

Ave. Dividend Yields.81%1.87%1.91%2.81%

TOTAL Ave. Annual Returns35.14%51.37%39.91%11.97%


Had you invested on these companies 4 years ago, you would have enjoyed the ff average annual returns (Read total ave annual returns column).

Would you have enjoyed better returns vs banks returns? Would you have grown the value of your money?

Presidential elections and the stock market:


There is a likelihood that the stock market index will gain after the 2016 Presidential elections as historical figures would show that in all presidential elections (since 1992), the stock index grew by at least 15% after the 1st year.

What are the factors making the stock market volatile?

Chinas GDPCommodity Prices (CRB Index)US DollarUS Fed rate hike = Stronger US dollarFalling commodity pricesWeakening China


Though Philippine economy remains to be fundamentally strong, the stock market has been very volatile these past few months. The index even went down to as low as 6,100 in January. (As of writing, index is already at 6,700). There are 3 main factors why the Philippine stock market as well as the other markets were on a downtrend at the start of the year. These are:The US Fed rate hike effected last December 2015 caused the foreign funds to move back to the US. And as funds continue to flow in the US markets, the US dollar gains strength against the other currencies. The Fed has hinted that there will be at least 2 more hikes this year, thus, it can be expected that more and more foreign funds will be shifted to the US markets. Low oil and other commodity prices is good for an importing-commodity economy like the Philippines. Inflation is slower when commodity prices are low. While many believe that the falling prices is caused by oversupply, fear on low demand due to declining manufacturing data in major economies make investors cautious.China, being the 2nd biggest economy in the world, devaluated its Yuan in 2015. It is also starting to slow down in terms of GDP growth as manufacturing data is weakening.

There is an opportunity to participate in the Philippines long term fundamentals at low pricesCombined OFW remittances and BPO revenues can grow by 8.3% in 2016 and 7.8% in 2017. Weak peso is good for the economy. It will boost the value of OFW remittancesIt will make the exports and the BPO more Resilient consumer sector.Resilient consumer sector. Listed companies remain to be fundamentally strong.

- COL


External factors continue to have a bearish effect on the Philippine stock market. This is why the market is still down on a YTD basis. (-3% as of writing). However, this should be considered as an opportunity to participate in the market as prices are at a bargain level. The market is expected to grow in the long term as the long term fundamentals of the economy are strong and favorable.

Favorable long term factors


Thanks to these long term factors / indicators that the Philippine economy will continue to perform well in the long term.

Demographic Window per Country


With all the good things that are happening and are still to happen, now is the right time, the best time to bet on our country. Bet on our country and invest because investing is more fun in the Philippines.

Thank you!

HSBC Study, Top Economies by 2050Center for Economics and Business Research predicts that the Philippines will rise gradually from 42nd position in 2012 to 28th in 2028Rank in 2011 CountryChange in rank from 2011Rank in 2011 CountryChange in rank from 20111China+216Philippines+272U.S.-117Indonesia+43India+518Australia-24Japan-219Argentina5Germany-120Egypt+156UK-121Malaysia+177Brazil+222Saudi Arabia+18Mexico+523Thailand+69France-324Netherlands-910CanadaSame25Poland-111Italy-426Peru+2012Turkey+627Iran+713South Korea-228Colombia+1214Spain-229Switzerland-915Russia+230Pakistan+14


A study commissioned by HSBC shows that if the Philippines continues to grow at rate that it is growing right now, the country will be top 16 worldwide by 2050. 35 years from now, economic giants like Australia, Saudi, Netherlands and Switzerland will be behind the Philippines. Time will come when Filipinos will no longer need to go abroad to look for better opportunities as the better opportunities will already be here in the Philippines.


With all the good things that are happening and are still to happen, now is the right time, the best time to bet on our country. Bet on our country and invest because investing is more fun in the Philippines.

Thank you!

2Philam Life confidential and proprietary information. Not for distribution. THE FILIPINO MINDSET

|Philam Life confidential and proprietary information. Not for distribution. OFW VIDEOS

|Philam Life confidential and proprietary information. Not for distribution. 1KITA AGAD ANG NEGATIVE

|Philam Life confidential and proprietary information. Not for distribution. 2ONE DAY MILLIONAIRE

|Philam Life confidential and proprietary information. Not for distribution. 3HINDI MAAYOS SUMAGOT KAHIT MAAYOS ANG TANONG

|Philam Life confidential and proprietary information. Not for distribution. 4SALE MENTALITY

|Philam Life confidential and proprietary information. Not for distribution. 5NO FINANCIAL EDUCATION

|Philam Life confidential and proprietary information. Not for distribution. 6NOT UNITED

|Philam Life confidential and proprietary information. Not for distribution. 7RELIGIOUS BACKGROUND

|Philam Life confidential and proprietary information. Not for distribution. 8WAITING FOR A SIGN

|Philam Life confidential and proprietary information. Not for distribution. 9PROCRASTINATION


2Philam Life confidential and proprietary information. Not for distribution. 13 DEADLY SINS OFWs MAKE ABOUT MONEY and HOW TO AVOID THEM

|Philam Life confidential and proprietary information. Not for distribution. 1NO LONG TERM FINANCIAL GOALS

|Philam Life confidential and proprietary information. Not for distribution. 2TAKING ON TOO MUCH DEBT


3RECKLESS SPENDING

|Philam Life confidential and proprietary information. Not for distribution. 4SENDING ALL THE EARNINGS TO FAMILY

|Philam Life confidential and proprietary information. Not for distribution. 5NOT TEACHING THE FAMILY ABOUT RESPONSIBLE MONEY MANAGEMENT

|Philam Life confidential and proprietary information. Not for distribution. 6NOT SAVING ENOUGH

|Philam Life confidential and proprietary information. Not for distribution. 7NOT PLANNING ON HOW TO ACHIEVE THEIR DREAMS

|Philam Life confidential and proprietary information. Not for distribution. 8NOT PLANNING FOR POST OFW LIFE

|Philam Life confidential and proprietary information. Not for distribution. 9FAILING TO INVEST MONEY WISELY

INFLATION RATE: 4-7%

|Philam Life confidential and proprietary information. Not for distribution. 10DEPENDING ON ONLY ONE SOURCE OF INCOME


11FALLING TO INVESTMENT SCAMS

|Philam Life confidential and proprietary information. Not for distribution. 12BEING OVERLY GENEROUS WITH MONEY


13NO FINANCIAL COACH

|Philam Life confidential and proprietary information. Not for distribution. TO HOLD YOU ACCOUNTABLE TO WHAT YOU SAY YOURE GONNA DO

|Philam Life confidential and proprietary information. Not for distribution. OFW VIDEOS


2Philam Life confidential and proprietary information. Not for distribution.

|Philam Life confidential and proprietary information. Not for distribution. www.djyummie.com/6habits

|Philam Life confidential and proprietary information. Not for distribution. DJ Dimaliuat Official

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OFW Investment Presentation