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ABC21[T~lFьg'9q8k$E|y_/Z9tֈlgX4URUm@Y 1(Qc4N;'tZUBF4bĠ@Bpzmq4HJM+d-Y*͹K ¯d{fZ/(7'S B y^q8w*AHw"7;g7"Dv \4r;.˵zxB՝ 9 ~cX~oyZ@E~fO}AqDZȣ@B;PCC>- k"꘰-;ARdK 3-mlgC >HϜM,?6'wY?ehj{VD@m[T!Pp#V=¹!1Oe/Ƥ mi}jta_N4im]k)~nS>wF)0k'zhƆ2M%)%JR>H!T'pp aJ嵟KPr7 ,u3!d@Q0 F(@I?R*=A." 9f ;6,,X;:BuCwt uw0ѡ@gp?ٝQ0 F4` )Lfb`E0'#w^k20|>'8f`?@ $&sN2`f`ff^3U Am it^gQ0X@vvF(`0vraQP" Y __ +@>?A:@ϩ1۰5` N@Q0 F(xAsR`W!E[ƿ./ @}%?+ ^6ce LFcQ0@vvF(` &\b8x/>302il`tvGyQ0@1?ZHQ0 F( xKzEۿ 1sGr12b΢111aS arY?6C#ß?`Wz53`h3 F(* \쌿2~zp6GL ΢iMWŎ[ϾIQ0 F@ׁ {|eK  W `d[+dXJدA"@@`=Hv`d[+dXJدA"@@`=Hv`d[+dXJدA"@@`=Hv`d[+dXJدA"@@`=Hv`d[+dXJدA"@@`=Hv`d[+dXJدA"@@`=Hv`d[+dXJدA"@@`=Hv`d[+dXJدA"@@`=Hv`d[+dXJدA"@@`=Hv`d[+dXJدA"@2v_ IENDB`7( @D/ 0DArialBlackantt4 0"DTimes New Romantt4 0 DGaramond Romantt4 00DGeorgia Romantt4 0@DWingdingsRomantt4 0PDBook Antiquaantt4 0`DArial Blackantt4 0"@ .  @n?" dd@  @@``  HG?5 4 <  ?m>RUTbcdeghjk"l m!n#ostuvwy |}~?$$b$K˗K05f 0AA@f@8tuw> ʚ;ʚ;g4MdMd 0ppp@ <4dddd@w 0t <4BdBd@x 0t80___PPT10 ?  %O  =,W The Mutual Approach as a Strategic Option for Sustainable Microinsurance for the PoorXX    1. THE NEED: To provide sustainable micro-insurance services among the poor microfinance clients Risk protection needs to be part of any effective strategy for microfinance services Traditional means of risk protection (selling assets such as livestock, land and hoarded precious metals, drawing down on savings and contingency borrowing) erode the client household s net worth Sustainable micro-insurance can be a better form of risk protection for the poor \P   =n  x2. THE OPPORTUNITY: The enterprising poor clients are willing and able to participate in micro-insurance programs Many microfinance institutions, co-ops and NGOs in the Philippines and other developing countries are already running in-house mutual benefit funds in response to member/client demand (informal and unregulated operations) Among 17 biggest in-house providers in Philippines, 12 co-ops, 3 NGOs/MFI, 2 transport associations. HIGH RISK PROFILE: All with membership base of less than 3,000. 60% with less than P17 million in assets. Not operated according to sound actuarial principles. Vy` 3. THE BUSINESS ADVANTAGE: Existing microfinance delivery channels can be harnessed for low cost transactions and education Existing microfinance distribution channels may translate into more efficient micro-insurance operations. Regular interaction with microfinance clients may translate into: + Better knowledge of demand patterns + Better design of insurance products}ZZZb3{_Y8 *Making the strategy happen: Influencing the policy environment + licensing and regulation + set performance standards for the sector + generate awareness and compliance with sector standards + provide policy incentives and support for good performance + ensure a level playing field for MBAs ,+#Z9 lRIMANSI as business development support provider and policy advocate Value Added: Catalyst to facilitate and support efforts of MFIs/MBAs to provide better access by the poor to micro-insurance products and services Mechanism for risk pooling and cost sharing Forum for performance based monitoring and evaluation Advocate for policy reform and developmentmPm[:TRIMANSI: Provision of Risk Management Support Services to Microfinance InstitutionsUURIMANSI as risk management support provider Objectives 1. Assist the partner-MFIs establish MBAs. 2. Design and formulate appropriate micro insurance products for the poor. 3. Formulate and promote Performance Standards aligned with international best practices. 4. Promote mutual assistance and sharing of resources, technology and information among stakeholder. 5. Build the financial infrastructure for micro-insurance through research, education and policy advocacy. Z-7Q_jo\;BRegulating Mutual Benefit Associations and Insurance CooperativesCCStatus of Policy Advocacy: Insurance Commission issued IMC 9-2006, October 25, 2006 refers to the insurance business activity of providing specific insurance products that meet the needs of the disadvantaged for risk protection and relief against distress or misfortune premium computed on a daily basis does not exceed ten percent (10%) of the current daily minimum wage rate for non-agricultural workers in Metro Manila (P313.00-P350.00 or US$ 8-9); and VP" P" P" P" P" P:vKBRegulating Mutual Benefit Associations and Insurance CooperativesCCStatus of Policy Advocacy: Insurance Commission issued IMC 9-2006, October 25, 2006 maximum amount of life insurance coverage is not more than five hundred (500) times the daily minimum wage rate (about US$4,500) for non-agricultural workers in Metro Manila. Initial guaranty fund: P5,000,000.00 (US$ 116,280) Every year thereafter, all micro-insurance MBA s must increase their Guaranty Fund by an amount equivalent to five percent (5%) of their gross premium collections until the Guaranty Fund shall reach twelve and a half percent (12.5%) of the required capital for domestic life insurance companies.VP" P" P" P\" P9 ^=BRegulating Mutual Benefit Associations and Insurance CooperativesCCMInsurance Memorandum Circular # 11-2006 dated December 8, 2006 requiring the adoption of RISK-BASED CAPITAL FRAMEWORK requiring amounts of members' equity to be maintained in relation to their investment and insurance risks Circular No. 31-2005, dated September 26, 2005 on CORPORATE GOVERNANCE PRINCIPLES AND LEADING PRACTICES DNZZ7wLBRegulating Mutual Benefit Associations and Insurance CooperativesCCCircular Letter No. 12-2004 dated June 7, 2004 on COURSE ON CORPORATE GOVERNANCE Circular Letter No. 35-2006 dated October 23, 2006 on the SUBMISSION OF THE MINUTES OF MEETINGS, BIOGRAPHICAL DATA (BIODATA) OF MEMBERS OF THE BOARD OF DIRECTORS/TRUSTEES AND LIST OF OFFICERSDZ2 :_>BRegulating Mutual Benefit Associations and Insurance CooperativesCCFuture Challenges Regulation needs to stay on top of changes in industry conditions and business strategies change. An institutional partnership between mutual associations and insurance cooperatives with the Insurance Commission and Department of Finance is necessary to keep regulation relevant and effective. New and multiple products MBA Partner Agent Coverage of savers Group Insurance Investment in MFIs Changing socio-economic profile of members PoF?Micro-Insurance: A Strategic Option for Sustainable Livelihoods@@tMaking the strategy happen: Mobilization Capacity Building Policy Advocacy Around Standards of PerformanceuupG?Micro-Insurance: A Strategic Option for Sustainable Livelihoods@@Making the strategy happen: Mobilization Needs assessment Interim staffing Market research Actuarial analysis Business planning Operations training Systems installation PMES/MES Staff selection and training Board election and training Completion of registration and licensing process8ZqH1Making the MBA Strategy Happen: Capacity Building22 f@ & In line with CARD s member empowerment goal, the mutual benefit association (MBA) structure is the most suitable organizational structure for micro-insurance CARD MBA showed how the MBA approach structure can take advantage of; micro-finance social networks; payment flows; and financial and information; management systems; to reach a critical mass of members, reserves and capital. As of Dec. 31, 2007 - 469,457 active members - Php 671.5 m assets (US$ 16.5 m) - Php 45.1 m claims ytd (US$ 1.1 m)PPcPPq,GgAhBiC  jD  kE  rI%In Summary, Total Outreach - RIMANSI&&( sJ)In Summary, Potential Outreach - RIMANSI**(    0` 33` Sf3f` 33g` f` www3PP` ZXdbmo` \ғ3y`Ӣ` 3f3ff` 3f3FKf` hk]wwwfܹ` ff>>\`Y{ff` R>&- {p_/̴` 3f3FKf>?" dd@,|?" dd@   " @ ` n?" dd@   @@``PR    @ ` ` p>> (  (    6p " `}  T Click to edit Master title style! !$  0| " `  RClick to edit Master text styles Second level Third level Fourth level Fifth level!     Sp  C :A"logo transparent"s J  <|" P k3RIMANSI Organization for Asia and the Pacific, Inc.44    <|"j UThe Mutual Approach as a Strategic Option for Sustainable Microinsurance for the PoorVVH  0޽h ? 3f3FKf80___PPT10.@\ Default Design  0 me(    6w ">  T Click to edit Master title style! !  0w " `   w W#Click to edit Master subtitle style$ $H  0޽h ? 3f3FKf80___PPT10.[ 0 zr D (  D D 0䌃 P    P*   D 0,     R*  d D c $ ?   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MANIEBO Executive Director' '8  %  L % L $ WG333f?RIMANSIBookman Old Style"`<  , L 6luL"`@ % Unit 1014 10th Floor, Medical Plaza Ortigas Building San Miguel Avenue, Ortigas Center, Pasig City, 1605, Philippines Telefax: (632) 6339327 Email: rimansi@yahoo.com x B J iB 7B BCb%  L BuP `J \*Organization for Asia and the Pacific, Inc++p  L S @A"logo transparent  LB  L c $D` ``H L 0޽h ? h___PPT10i.@x+D=' = @B +   0  `X(  Xx X c $*u ` u H X 0޽h ? h___PPT10i.s+D=' = @B +   0  p\(  \x \ c $@ `c   H \ 0޽h ? h___PPT10i.+D=' = @B +  0 6.h(  h h c $TNu `   "p`PpH h 0޽h ? h___PPT10i.@"+D=' = @B +   0   (  x  c $` |   H  0޽h ? h___PPT10i.CA+D=' = @B +   0  0(  x  c $P`|   H  0޽h ? h___PPT10i.`b4;+D=' = @B +  0L0 @L(  ~  s *T| `  |   c $,eu ` | "p`PpH  0޽h ? h___PPT10i.`b4;+D=' = @B +  0L0 P<(  ~  s *~| `3  | ~  s *|]0  | H  0޽h ? wwwO&fܹ___PPT10i.0+D=' = @B +  0L0 <(  ~  s *du `0  u ~  s *(um ` u H  0޽h ? wwwO&fܹ___PPT10i.0+D=' = @B +  0L0 p<(  ~  s *u `P  u ~  s *lu  u H  0޽h ? wwwO&fܹ___PPT10i.0+D=' = @B +  0L0 <(  ~  s *` `   ~  s *0 `  H  0޽h ? wwwO&fܹ___PPT10i.0+D=' = @B +  0L0 L(  ~  s *0-0C     c $3 `  "p`PpH  0޽h ? 3___PPT10i."%Pd0+D=' = @B +  0 06(  ~  s *4; `   x  c $ <@ `  H  0޽h ? h___PPT10i.l&`+D=' = @B +  0 @6(  ~  s *O `3   x  c $P `  H  0޽h ? h___PPT10i.CA+D=' = @B +   0L0   Pj (  ~  s *` `    8    <b`P0 @ What to Plan     <f ? Member Mob     <Lj > Collection     <n@  :Claims   <0r 0  CFinancial Mgmt.   <Lpp  ^*How to Monitor and Evaluate Performance+ +   <s p 7MIS TB   c $DP TB  B c $D  TB  B c $DPPTB  B c $DTB B c $D  TB B c $Dp p   <@@  > MANAGEMENT     < @@  > GOVERNANCE   TB  c $D @ TB  c $D  @  <`   i-Policies and Procedures for Implementation  . ,H  0޽h ? h___PPT10i.+D=' = @B +  0L0 bZ(    c $\@ `<$D 0  "p`PpH  0޽h ? 3___PPT10."%Pd0+D' = @B D' = @BA?%,( < +O%,( < +D' =%(D' =%(DG' =4@BBB B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D' =-6B'blinds(horizontal)*<3<*D' =%(Df' =%(DG' =4@BBB B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D' =-6B'blinds(horizontal)*<3<*DG' =4@BBB B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D' =-6B'blinds(horizontal)*<3<*DG' =4@BBB B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D' =-6B'blinds(horizontal)*<3<*DG' =4@BBB B%(D' =1:Bvisible*o3>+B#style.visibility<*8%(D' =-6B'blinds(horizontal)*<3<*8DG' =4@BBB B%(D' =1:Bvisible*o3>+B#style.visibility<*8L%(D' =-6B'blinds(horizontal)*<3<*8LDG' =4@BBB B%(D' =1:Bvisible*o3>+B#style.visibility<*LW%(D' =-6B'blinds(horizontal)*<3<*LWDG' =4@BBB B%(D' =1:Bvisible*o3>+B#style.visibility<*W%(D' =-6B'blinds(horizontal)*<3<*WDG' =4@BBB B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D' =-6B'blinds(horizontal)*<3<*DG' =4@BBB B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D' =-6B'blinds(horizontal)*<3<*DG' =4@BBB B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D' =-6B'blinds(horizontal)*<3<*+P 0L0 OG!0 (  =8   !   B "`  \"CARD EXPERIENCE& &    Nx0e0e"`! u/ CARD Mutual Benefit Association, Inc. *0(2.$ N8 J0  V`  B?Z 0 L On September 9, 1999, CARD Mutual Benefit Association was born to manage the Members Mutual Fund (MMF). It is registered as non-stock, non-profit legal entity owned and partially managed by the members.$  @`  B?J Z0 P1999 @`   BT?ZF>6___PPT9 yThese in-house microinsurance services were not adequately assessed by CARD and its impact to the institution&z" Zzy  @`   BH?Z  F>6___PPT9 @ CARD also realized that the institution was at risk because CARD was responsible for pension payment. And fulfilling its obligation to members would  decapitalize CARD and may lead to potential bankruptcy. F" n-  @`   B )?Z F>6___PPT9 When the assessment was done, CARD realized that a member would contribute for two years just to cover one month of pension benefit.&" Z  @`   B3?JZ  P1998 @`$   <\?JZF>6___PPT9 b"" Z  @`^  BI?ZF>6___PPT9 CARD offered a monthly pension of Php 300 - 600.00 for life after member s 65th birthday for only Php 2.50 weekly contribution.>0Z2N 1{ ##@`  BpS?JZ P1997 @`  B(U?ZF>6___PPT9 Members Mutual Fund (MMF) was established by CARD for the loan redemption in case of death of member-borrowers. CARD also offered basic life insurance program.<q0Z20022HH@`  BXh?JZ P1994 @`  <Xq?Z U MILESTONE   @`  <`z?JZ PYEAR @``B  0o ?JZB  s *1 ?JZB  s *1 ?J`B  0o ?J00`B  0o ?JJ0ZB  s *1 ?ZZ0`B  0o ?0ZB  s *1 ?JZB  s *1 ?Z  ZB  s *1 ?J  `B  0o ?JH  0޽h ? Sf3f___PPT10i.P9+D=' = @B + 0L0 E(  8 n Pb  B? F>6___PPT9 Collection of member s contribution is through the network of CARD branches and CARD MBA Provincial Offices. (As of 02-28-06, CARD has 157 branches and CARD MBA has 5 Prov l Offices nationwide),pUmm@`  B?q  o!4. EFFECTIVE COLLECTION MECHANISM"" @`   BKV? F>6___PPT9 !Compulsory Weekly contributions of Php 5.00 for Life Insurance and Php 5.00 for Retirement Voluntary Php 25.00 weekly for health insurance 1.5% per annum of the loan amount for all loans insurance package  mm@`   BKV?GF>6___PPT9 Can give equal benefits to members being members- owned association Members can easily understand their benefits out of their weekly contributions mm@`   B̂V?GF>6___PPT9 @154,261 household-members as of 02-28-06 (CARD Rural Bank s savers not included) Compulsory life insurance and retirement coverage to prevent adverse selection.8)(PQO HH@`  BlV?G bADDED VALUE / STRATEGY @`@ q `  q `    BȒ?qP `  h3. AFFORDABLE CONTRIBUTION @`   Bp?q s%2. LEVEL CONTRIBUTIONS LEVEL BENEFITS&& @`  B%?q i1. LARGE MEMBERSHIP BASE @`  B|?q  bKEY MOTIVATING FACTORS @``B  01 ?qG`B  01 ?qG`B  0o ?zP`B  01 ?`B  01 ?qG`B  01 ?q G fB  6o ?qfB  6o ?DS`B  01 ?nD?F       < "`  \"CARD EXPERIENCE& &   H0e0e"`! u/ CARD Mutual Benefit Association, Inc. *0(2.$ V  0޽h ?"` Sf3f___PPT10i.*H'+D=' = @B +  0L0  (  8 !  !  B  ?"`^ F>6___PPT9 Prevent co-variant risk Able to observe proper product costing Able to develop insurance culture Business-like/ professional relationship among different institutions of CARD MRI HH@`  H  ?"`nps  :6. SEPARATE INSTITUTION TO HANDLE MICROINSURANCE OPERATION;; @`   Bx ?^  F>6___PPT9 I.E.C. is through CARD MBA Provincial Offices with the assistance coming from CARD branches. MBA Coordinators, who are members elected by their co-members, assist in the I.E.C. ,HH@`   H ?n` p F>6___PPT9 B7. EFFECTIVE Information, Education Campaign (I.E.C.) STRATEGIESFC " B  @`h   B ?^ F>6___PPT9 LClaims settlement is on the CARD branch/Prov l Office level with the assistance of the Center s Officers and MBA Coordinators. 1-3-5-day target for claim s settlement mm@`   HD ?n` p 8. EARLY SETTLEMENT OF CLAIMS  @`   B$*  ?"`RF>6___PPT9 P2% of gross contribution is paid to the branches as collection expense 20% of the gross contribution are allotted to GAF but the actual usage ranges from 12  18% only.,HH@`  H  ?"`n _5. LOW ADMIN COST @`  H ?D bADDED VALUE / STRATEGY @`lB  <o ?nDfB  61 ?n` D` lB  <o ?n`D`lB  <o ?PP`fB B 61 ?@p``B  01 ?n` D` `B  01 ?nDlB  <o ?nD  Hp ?! bKEY MOTIVATING FACTORS @`lB  <o ?@@`?F       <" "`  \"CARD EXPERIENCE& &   H&0e0e"`! u/ CARD Mutual Benefit Association, Inc. *0(2.$ V  0޽h ?"` Sf3f___PPT10i.1+D=' = @B +  0L0 "X(  8  # " #r  H5  ?"`p F>6___PPT9 BAssist the management in safeguarding the funds of the association CCHH@`  H:  ?"` d10. SENSE OF OWNERSHIP @`   B(M ?p  F>6___PPT9 G MBA Coordinators are the go-between the members and the association and vital force in: enforcing the policies in terms of claims settlement the information and education campaign (IEC) L_ia52nHH@`D   H$O ? F>6___PPT9 v11. DEDICATED MBA COORDINATORS& "  @`   BTd ?p@ #F>6___PPT9 PAs our continuing guide in running CARD MBA Sense of protection of member s individual interest in the association. Full protection of the funds because CARD MBA is required to submit annual reports to SEC and regularly being audited by the Office of the Insurance Commission.,)'( mm@`)   Hh ? Z /13. FRIENDLY GOVERNMENT REGULATIONS (SEC & OIC),0$ /  @`   Bz ?p # F>6___PPT9 UMembers must have source of income to pay their contributions consistently VV,) mm@`V  Hx ?`  F>6___PPT9 12. SOURCE OF INCOME& "   @`  H  ?"`pF>6___PPT9 wFor the development of products and services For proper implementation of the rules and regulations of the association xxHH@`  Hh  ?"` 9. PROFESSIONALLY MANAGED  @`  HX ? bADDED VALUE / STRATEGY @`lB  <o ?fB  61 ?` ` lB  <o ?lB  <o ?fB  61 ?ppfB  61 ?  `B  01 ?`B  01 ?lB  <o ?  H|?  bKEY MOTIVATING FACTORS @`lB  <o ??F        <\ "`  \"CARD EXPERIENCE& &  ! H0e0e"`! u/ CARD Mutual Benefit Association, Inc. *0(2.$ V  0޽h ?"` Sf3f___PPT10i.>P+D=' = @B +5  0L0  (    0T`PG B 2   0 j,$D  0 F With the assistance of an Actuary, CARD MBA repackaged existing product lines, developed new ones and offered non-financial services& ( 2   0,\Xp$D 0<4___PPT9 (Life Insurance Program  a Whole Life Plan with Total & Permanent Disability cover plus Accidental Death ridero 2o8X   0تh ,$D  0 "2. Retirement Fund - Endowment 65,# 28X   0|Ҫ#k,$D  0 l 3. All Loans Insurance Package  a Group Yearly Renewable Term (GYRT) Insurance. It pays the total amount of loan including interest., 2HH9   0dݪ| P6 ,$D  0 _4. Health Insurance in partnership with Philippine Health Insurance Corporation (PhilHealth).` 2` G   08 P ,$D  0 m6. Non-financial services which include Out-of-School Youth Program (Iskolar ng CARD MBA) and Mass Wedding.n 2n   0 ,,$D   0 J7. Credit Bureau  tracking down member s history thru our Microinsurance Underwriting and Claims Evaluation Tool (MUnCET)$} 2t    0w3 k ,$D  0 ^5. Refund of Contribution  Cash surrender value of the Certificate of Membership after 3 continuous years of membership.,} 2y%Eme?F       <Hw "`  \"CARD EXPERIENCE& &   H`w0e0e"`! u/ CARD Mutual Benefit Association, Inc. *0(2.$ V  0޽h ?"` '>3##___PPT10g#.`'+D;#' = @B D"' = @BA?%,( < +O%,( < +D' =%(D' =%(D3' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*%(D' =-o6Bwipe(up)*<3<*Dn' =%(D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<* o%(D' =+4 8?dCB0-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<* oD' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<* oDn' =%(D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<* #%(D' =+4 8?\CB#ppt_xBCB#ppt_xB*Y3>B ppt_x<* #D' =+4 8?dCB1+#ppt_h/2BCB#ppt_yB*Y3>B ppt_y<* #Dn' =%(D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<* %(D' =+4 8?dCB1+#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<* D' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<* Dn' =%(D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<* `%(D' =+4 8?\CB#ppt_xBCB#ppt_xB*Y3>B ppt_x<* `D' =+4 8?dCB0-#ppt_h/2BCB#ppt_yB*Y3>B ppt_y<* `Dn' =%(D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*}%(D' =+4 8?\CB#ppt_xBCB#ppt_xB*Y3>B ppt_x<*}D' =+4 8?dCB1+#ppt_h/2BCB#ppt_yB*Y3>B ppt_y<*}Dv' =%(D' =%(D' =4@BBB B%(D' =1:Bvisible*o3>+B#style.visibility<* n%(D' =+4 8?dCB0-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<* nD' =+4 8?dCB1+#ppt_h/2BCB#ppt_yB*Y3>B ppt_y<* nDv' =%(D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*}%(D' =+4 8?dCB1+#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*}D' =+4 8?dCB1+#ppt_h/2BCB#ppt_yB*Y3>B ppt_y<*}+   0 M E ` (  ~  s *4&w `     P  # #"990  w  Bhw?P WPersons Covered @`  B`w?P PNo of HH   @`  Bw?P PCountry    @`  BL]u?  N77,620 @`  Bu?  N15,524 @`   Bu?  NCambodia   @`   B u? Q 2,669,155   @`   Bpu? P533, 831   @`   Bu? Q Philippines   @``B   0o ?PPZB  s *1 ?`B  0o ?  `B  0o ?P ZB  s *1 ?P ZB  s *1 ?P `B  0o ?P ZB  s *1 ?H  0޽h ? h80___PPT10.&PkF  0 pL(  ~  s *\ `}    P  # #"&99P    B04w?P WPersons Covered @`  BlCw?P PNo of HH   @`  B?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnoqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIKLMNOPQSTUVWXY`Root EntrydO)PicturesCurrent UserRSummaryInformation( UPowerPoint Document(p\DocumentSummaryInformation8JRoot EntrydO)܄dPicturesCurrent UserYSummaryInformation( U      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIKLMNOPQ`+_\dDoubell ChamberlainDoubell Chamberlain