CREDIT REPORT

PERSONAL INFORMATION INFORMATION Name Residential Address Provincial Address Birthday Age Nationality NAME OF CHILDREN May Crislyn Hallara Trisha Hallara WIFE Jocelyn Hallara Luyahan, Lian Batangas Luyahan, Lian Batangas April9, 1973 Filipino AGE 12 10 STATUS Single Single HUSBAND Cristopher Hallara Luyahan, Lian Batangas Sara, Iloilo December 16, 1977 33 years old Filipino WORK/SCHOOL Luyahan Elementary School (Grade 6) Luyahan Elementary School ( Grade 4) HUSBAND T.V Repair Lian 10 years See Attached

BUSINESS / WORK INFORMATION INFORMATION WIFE Nature of Work or Business Domestic Helper Company / Business name Address of Employer or Bahrain Business Years in service / business 3 years Monthly Salary /Net See Attached Business Income OTHER SOURCES OF INCOME SOURCES Remittance AMOUNT OF INCOME 9,000.00

HOW FREQUENT Monthly

PROOF OF INCOME See Attached

PADRINO Name Hillarion Decelos

Relationship Grandfather

Contact No.

Address Luyahan, Lian Batangas

CREDIT REPORT
COLLATERAL PRESENTED Owner Borrower Type of Mortgage Description Cristopher Hallara Cristopher Hallara Chattel mortgage CHM on: 1. 21 inches colored T.V SHARP w/ Model no. 21V-S300XB 2. 21 inches colored T.V SHARP w/ Model no. 20V-S100 3. 21 inches colored T.V TCL w/ Model no. TCL21106

CREDIT IMPACT ON BORROWER 1. Improvements Observed BEFORE Savings Other Assets Acquired Living Standard Changes 2. Credit History with Banco Ng Masa Never been past due in the past With occasional delayed amortization payments (not over 90 days) With past due experience (over 90 days) Has other existing loan with BNM with good repayment record with no incidence of delayed payments Total outstanding balance to date Actively depositing with BNM with total average monthly deposits of Others, Please specify ________________________________________________________________ AFTER

B A N C O N G M A SA APPROVAL SHEET NEW ACCOUNT Name of Borrower Nature of Business Purpose of Loan Loan Type Loan Product Loan Amount Loan Term Interest Rate Mode of Payment Amortization Security Cristopher Hallara T.V Repair Additional Capital for Buying Equipment Micro Loan Non-Micro Loan Agri Commercial Industrial Real Estate Services Micro Individual Php 5,000.00 Three ( 3 ) months Period 2.5% Weekly Bi-Monthly Monthly Others Daily 985.41 Daily Payment of principal & interest plus 10% savings component Type Appraised Value Loan Value REM Land Improvements TOTAL CHM Vehicle Equipment Appliance Others Others

8,280.00

4,140.00

Fully Secured Partially Secured Unsecured Must open savings account with BNM One- time payment of service fee of 2.5 % payable upon release. MRI coverage for borrower Reviewed By: Jefferson A. Torres

Recommended By: Jeferryson B. Alab ACTION TAKEN:

APPROVED DEFERRED DISAPPROVED ENDORSED FOR BOARD APPROVAL BOARD

Approved By: CREDIT COMMITTEE Date: March 10, 2011

____________________ Pedro Lucero President

_____________ Antonio Villanueva Member

_____________ Cristina L. Balaquiot Alternate Member