/or Audit Committee which is different opinion from the Board of directors None The Company certifies that all information contained in this information memorandum is true, accurate as well as prudent

this information memorandum is true, accurate as well as prudent and depending on maximizing of shareholder interest. In addition, the proposed of this information memorandum is for providing information

information useful for making prudent decision before using investment services, the SEC has prepared a list of unlicensed or unregistered business from the traces and complaints received from investors and

in manufacturing consumer electronics products including calculators and home appliance products and else in Philippines. Name of the disposed assets : Cal-Comp Technology (Philippines) Inc. Business

while other non-interest income declined yoy. Overall operating expenses also declined from effective cost management when comparing to the same period last year. The Bank continued to remain prudent when

prudent measure in provisioning for 5 additional impairment on revaluation of foreclosed. After assessing the continued uncertainties from the current situation, the Bank also prudently set up additional

sales of a new subsidiary company mostly came from Stainless Copper and Aluminum as the main product groups among various industries, mainly in particular for automotive, electrical appliance and

whereas sales of a new subsidiary company mostly came from 2 Stainless Copper and Aluminum as the main product groups among various industries, mainly in particular for automotive, electrical appliance and

shared more than 70% of total personal loan sales. - Hire Purchase The Company offers motorcycle, used car hire purchase, electrical appliance, mobile phones and others and hire purchase business of

possible limit of individual freedom, regulation is essential to uphold market credibility and orderliness. Yet, the regulator’s exercising of power must be prudent, fair and only as necessary to protect the