BANK BORROW PLAN
Board of Directors

Lucio C. Tan


Chairman


Florido P. Casuela


Vice Chairman


Jovencio DB. Hernandez


President


Yolanda M. Albano


Director


Felix Enrico R. Alfiler


Director


Gregorio T. Hong


Director


Cecilio K. Pedro


Director


Harry C. Tan


Director


Lucio K. Tan Jr.


Director


Michael G. Tan


Director


William T. Lim


Advisor


Atty. Ma. Cecilia L. Pesayco


Corporate Secretary

Principal Officers

Jovencio DB. Hernandez


President


Mary Ann A. Santos


Senior Vice President - Branch Banking Group Head


Mary Rose U. Mendez


First Vice President - Housing Loan Group Head


Arlene S. Viernes


First Vice President - Credit Cycle Division Head


Jeslyn C. Bonifacio


First Vice President - Risk Management Unit Head


Atty. Arlene J. Guevarra


Vice President - Legal Division Head


Ma. Eloisa T. Tavera


Vice President - Human Resources Division Head


Fe C. Urdaneta


Vice President, Treasury Group Head


Marites J. Claro


Assistant Vice President - Compliance Head


Jose Ramon O. Santamaria


First Vice President - Motor Vehicle Loan Group Head


Arnulfo D. Bermas


Vice President - Controllership Division Head


Ralph Benedict B. Centeno


Vice President - Multi-Purpose Loan Group Head


Melvar C. Benedicto


Senior Assistant Vice President - Corporate Security Division Head


Christopher Gene C. Lapuz


Assistant Vice President - Marketing Division Head


Howard R. Sombillo


Senior Manager - Business Loan Group Head