Helen Y. Dee, Chairman of the Board, 66, Filipino
Director of the Company since January 2010. Ms. Helen Y. Dee is the Chairperson of Rizal Commercial Banking Corporation. Ms. Dee is also the Chairperson and President of HyDee Management & Resource Corporation and House of Investments. She also holds Chairmanship positions in various companies, including Landev Corporation, Hi-Eisai Pharmaceutical Inc., Mapua Information Technology Center, Inc. and Manila Memorial Park. She is the Vice Chairperson of Pan Malayan Management & Investment Corporation. She likewise holds directorship positions in Philippine Long Distance Telephone Company, Petro Energy Resources Corp., Great Life Financial Assurance Corporation, Malayan Insurance Company, Inc. and MICO Equities, Inc. Ms. Dee is a Trustee of the Mapua Institute of Technology and the Yuchengco Center. She graduated from Assumption College with a Bachelor of Science degree in Commerce and completed her Masters in Business Administration at De La Salle University.

Robert G. Vergara, Vice Chairman of the Board, 50, Filipino
Director of the Company since October 2010. Mr. Vergara is presently the President and General Manager of the Government Service Insurance System (GSIS). Prior to his appointment to GSIS, Mr. Vergara was Managing Director and the Founding Partner of Cannizaro Limited (Hong Kong), a multi-strategy hedge fund manager organization investing in the Asian markets. From 2002 and 2006, Mr. Vergara was Managing Director of Lionhart Ltd. (Hong Kong), the precursor to Cannizaro, managing the Asian portfolios of the firm’s stable of hedge funds, focusing on market neutral and long-short relative value strategies. He was Director of Dresdner Kleinwort Wasserstein Securities (Asia) Ltd. from June to August 2001 and Principal of Morgan Stanley Asia Ltd. from 1997 to 2001 where he set up and managed its profitable Asian proprietary trading activities. Immediately before that, Mr. Vergara worked at IFM Trading, a pioneering hedge fund based in the city of London that specialized in arbitrage and derivative trading strategies in global capital markets. He graduated from the Harvard Graduate School of Business Administration in Massachusetts, USA, in 1986, with emphasis of finance and corporate strategy. He earned his Bachelor of Science Degrees in Management Engineering and Mathematics, magna cum laude, from the Ateneo de Manila University in 1982.

Roberto B. Crisol, Director and President and Chief Executive Officer, 59, Filipino
President of the Company effective January 1, 2009. Mr. Roberto B. Crisol served as Executive Vice President and COO of the Corporation from January 1, 2002 to January 31, 2007. Prior to this, he was the Deputy Regional Manager of MAPFRE RE Asian Regional Office in Manila from 1990. Mr. Crisol started his career in insurance in 1974 with the Insular Life-FGU Insurance Group as a management trainee. He subsequently joined Universal Reinsurance Corporation (URC) where he rose to the position of Vice President of the Non-Life Foreign Business & Retrocession Division. He earned his Bachelor of Arts degree major in Economics, cum laude, from the University of the Philippines. He has attended various insurance, reinsurance and management courses locally as well as overseas in London, Paris and Stockholm.

Alfonso L. Salcedo, Jr., Director and Treasurer, 55, Filipino
Director and Treasurer of the Company since June 2002. Mr. Salcedo is the Head of the Corporate Banking Division of Bank of the Philippines Islands since July, 2010. He is also a Director of BPI/MS Insurance Corporation. He has held the following positions: President of BPI Family Savings Bank, Inc. (2004-2010); BPI Insurance Group, BPI Bancassurance, Inc., Ayala Life Assurance, Inc., Ayala Plans, Inc.; President of Allstate Life Insurance (Phils.); Country Marketing Director of Citibank, N.A. (Manila); Marketing Manager of Nippon Vicks KK (Japan); and Richardson Vicks Philippines. He graduated with honors with AB degree in Economics Honors Program from the Ateneo de Manila University in 1977. He also took the Advanced Management Program at the Harvard Business School in 2006.

Romeo L. Bernardo, Independent Director, 56, Filipino
Director of the Company since June 2006. Mr. Bernardo is Managing Director of Lazaro Bernardo Tiu and Associates (LBT), a boutique financial advisory firm based in Manila, and GlobalSource economist in the Philippines. He is Chairman of ALFM Family of Funds and Philippine Stock Index Fund and a Director of several companies and organizations including Aboitiz Power, BPI, Globe Telecom, RFM Corporation, Philippine Investment Management, Inc. (PHINMA), Philippine Institute for Development Studies (PIDS), BPI-Philam Life Assurance Corporation and Institute for Development and Econometric Analysis. He previously served as Undersecretary of Finance and as Alternate Executive Director of the Asian Development Bank. He was an Advisor of the World Bank and the IMF (Washington D.C.), and served as Deputy Chief of the Philippine Delegation to the GATT (WTO), Geneva. He was formerly President of the Philippine Economics Society; Chairman of the Federation of ASEAN Economic Societies and a Faculty Member (Finance) of the University of the Philippines. Mr. Bernardo holds a degree in Bachelor of Science in Business Economics from the University of the Philippines (magna cum laude) and a Masters degree in Development Economics at Williams College (top of the class) from Williams College in Williamstown, Massachusetts.

Danilo A. Gozo, Director, 55, Filipino
Director of the Company since July 2011. Mr. Danilo A. Gozo is currently the Chairman and CEO of Relationship Management Consultants, Vice Chairman and Publisher of the Philippine News USA, Executive Consultant of Lopez Holdings Corporation and Communications Adviser of SGV Foundation and National Competitiveness Council. He is a Board member of the Freedom Fund for Filipino journalists and member of Public Relations Society of the Philippines. He was Assistant Vice President and PR Director of Ayala Corporation from 1989 to 2002, Board member of Philippine Amusement and Gaming Corporation from 1986 to 1988 and 2001 to 2008, Vice President and Head of PR Services of Ace Saatchi and Saatchi Advertising Co. from 1974 to 1986. Mr. Gozo was also Assistant News Director of ABC-RTV News Channel 5 – 1969-1972, and a Chief Reporter, “The Big News”. He was also Foreign News Editor of the Philippine Daily Star from 1968 to 1969, a Stringer of the British Broadcasting Corporation and New Radio Zealand in 1971-1979. He served as Deputy Press Secretary – 1986-1988, member of the Cabinet Crisis Management Committee, the Presidential Research Group and the Foreign Information Council. In addition, Mr. Gozo was a UP Centennial Service Awardee of the Alumni Association in 2008. He was a Board Member of the Advertising Foundation of the Philippines and a Faculty Member of the College of Mass Communication of the University of the Philippines. He has attended Seminars in Conflict Resolution and Strategic Communication at the Harvard University Summer Programs. Mr. Gozo earned his Bachelor of Arts degree in Journalism from the University of the Philippines in 1968. He also took the Advance Course in Broadcast News Editing and Management as Colombo Plan Scholar at the British Broadcasting Corp. School, UK, 1971.

Jose Teodoro K. Limcaoco, Director, 48, Filipino
Director of the Company since June 2009. Mr. Limcaoco is the President of BPI Family Bank, the consumer banking subsidiary of the Bank of the Philippine Islands and BPI's Group head for the Insurance businesses. He is also a Director of BPI Philam Life Assurance Corporation, BPI/MS Insurance Corporation and Ayala Plans, Inc. Prior to his assignment at BPI Family, he was the President of BPI Capital Corporation. He is also a Managing Director at Ayala Corporation and has worked Ayala since 1998. Mr. Limcaoco earned a Bachelor of Science degree in Mathematical Sciences (Honors Program) from Stanford University and an MBA degree, major in finance and investments from Wharton School of the University of Pennsylvania.

Ermilando D. Napa, Independent Director, 61, Filipino
Director of the Company since July 2011. Mr. Ermilando D. Napa is the Founder, Chairman and CEO of the Manila Consulting & Management Company, Inc. He is also the Founder and CEO of Century Woods, Inc. and Catanauan Resources and Development Corporation. He serves as Group Treasurer of L’Opera Group of Restaurants. Previously, he was a Partner of SyCip Gorres Velayo & Company (Philippines) and also a Principal Partner of Kassim Chan & Company in Kuala Lumpur, Malaysia, a member firm of SGV Group and Delloite Hanskins & Sells International. He was also formerly Manager of Arthur Andersen in New York. He has attended special training and various courses such as Strategic Management in St. Charles Chicago, Corporate Finance in New York and IMPACT Productivity Improvement in St. Charles, Chicago. Mr. Napa holds a degree of Bachelor of Science in Business Management from the Aquinas University where he graduated in 1970. He obtained his Masters in Management at the Asian Institute of Management in 1980.

Medel T. Nera, Independent Director, 56, Filipino
Director of the Company since July 2011. Mr. Medel T. Nera is presently the President and Chief Executive Officer of the House of Investments, Inc. He was a Senior Partner, Markets Leader and Financial Services Practice of SyCip Gorres Velayo & Co. CPAs, (SGV) an Earnst and Young Global member firm, where he spent about 35 years of his professional career. From 2008 to 2010, he was the Assurance Leader for the Financial Services Assurance practice of Ernst and Young (a Global CPA firm) in the Far East Area covering China, Korea, Taiwan, Hong Kong, Singapore, Philippines and Vietnam. He was responsible for the audit operations of about 50 partners and 1,700 professional staff throughout the area. Mr. Nera had been a partner of SGV & Co. for about 22 years and was a member of the Firm’s Management Committee. He is also the Treasurer and Director of CRIBS Philippines, Director of SGV Foundation, Inc. and was a former Governor of the Management Association of the Philippines. Mr. Nera holds a degree of Bachelor of Science in Commerce from Far Eastern University where he graduated in 1976. He obtained his Master of Business Administration at the Stern School of Business, New York University. He also attended the Pacific Rim Bankers Program, University of Washington – 2007 and International Management Program, Manchester Business School, U.K. – 1981. Mr. Nera is also a Certified Public Accountant.

Gregorio T. Yu, Director, 52, Filipino
Director of the Company since December 2010. Mr. Gregorio T. Yu is a trustee of GSIS. He is also concurrently Chairman of CATS Motors Inc., Vice Chairman of Sterling Bank of Asia, Director of Philequity Fund, Iremit Inc., Prople BPO, Yehey Corporation, e-Ripple Corporation, WSI Corporation, Nexus Technologies, Jupiter Systems Corporation. He is also a Trustee of Xavier School Inc. and Board Member of Ballet Philippines and The Manila Symphony Orchestra. He was formerly President and CEO of Belle Corporation, Tagaytay Highlands International Golf Club, Inc., Tagaytay Midlands Golf Club and the Country Club at Tagaytay Highlands, Vice Chairman of APC Group and Philcom. He was also formerly a Director of International Exchange Bank and Vantage Equities Corporation. He was a Director for Corporate Finance of Chase Manhattan Asia in Hong Kong and a Vice President, Area Credit for The Chase Manhattan Bank Regional Office in Hong Kong. He received his MBA from the Wharton School of the University of Pennsylvania and his Bachelor Arts in Economics (Honors Program) Summa Cum Laude from De La Salle University.

Yvonne S. Yuchengco, Director, 57, Filipino
Director of the Company since June 2006. Ms. Yvonne S. Yuchengco is the President and Director of Malayan Insurance Company,Inc. since 1995, and MICO Equities, Inc. since 1995. She is currently the Chairperson of RCBC Capital Corporation; Director of Rizal Commercial Banking Corporation; Treasurer and Director of Pan Malayan Management & Investment Corporation and Honda Cars Kalookan; Director of Grepalife Financial Inc.; Director of Pan Malayan Realty Corporation, Malayan Insurance (U.K),Malayan Insurance (H.K), Malayan International Insurance Corporation, GPL Asset Management; Manila Memorial Park,Inc.; Mapua Institute of Technology; La Funeraria Paz Sucat Inc. iPeople Inc.; Seafront Resources Corporation; Petro Energy Resources Corp.; Philippine Integrated Advertising Agency, Inc.; Malayan High School of Science Inc., Yuchengco Museum,Inc., House of Investment; Malayan College,Laguna and Luisita Industrial Park Corporation; President of PIA/Phil-Asia Assistance Foundation,Inc.; XYZ Assets Corporation Chairperson; AY Foundation member, Board of Trustees; Assistant Treasurer of Enrique T. Yuchengco Inc; She graduated with an AB degree from Ateneo de Manila University in 1977 and took up further studies in UAP under SBEP program.