Video explaining Talk ‘N’ Text’s Panalo Phone, a complete mobile phone service solution for the resource-poor. Each package comes with a brand new handset, a hard-locked built-in SIM, and an initial airtime load for a retail price of Php 499 (USD 11.60). Subsequent airtime top ups can be purchased in for a little as Php 5 with Php 1 increments. The Panalo Phone is also equipped with basic features that are relevant to the daily lives of the BoP, including an FM radio, a flashlight and calculator. The package also comes with access to the mobile money service Smart Money and a trial subscription to a job referral service.