William Peñafiel Jr. (right), commanding officer of the 52nd
Infantry Battalion with Ms. Liza Aldo of DENR Regional Office 8
and Mr. Elpedio Cabahit of CENRO Sta. Rita made coordination
regarding the confiscation of illegally cut lumbers at Brgy.
Tinabanan, Marabut, Samar.
Army and CENRO
confiscate illegally cut lumbers anew
By DPAO. 8ID PA
March 5, 2015
CAMP LUKBAN, Catbalogan
City – Army troops under the Sta. Rita based 52nd Infantry
Battalion (CAFGU) and Sta. Rita, Samar CENRO confiscated 1,500 Board
Feet of illegally cut good lumbers at Brgy. Tinabanan, Marabut, Samar
last March 2, 2015.
In a report from Lt. Col.
William P. Peñafiel Jr, Commanding Officer of the 52nd Infantry
Battalion, Ms Liza L. Aldo and Mr. Elpedio V. Cabahit of CENRO Sta
Rita, Samar made coordination with 52nd IB to assist them in
confiscating assorted sizes of illegally cut lumbers.
This is the second time in a
month that 8ID assisted DENR in its effort to curb illegal cutting of
trees. It can be recalled that on February 9, 2015 troops in tandem
with DENR confiscated 10,000 board feet of illegally cut lawaan
lumbers at Barangay Tagadtaran, Burauen, Leyte.
Meanwhile, Maj Gen. Jet B
Velarmino AFP, Commander 8ID led the Coastal Clean-up at the Barangay
of Estaka and San Roque of Buri Island, Catbalogan City in 8ID’s
continuing effort in helping to protect and preserve the environment.
Around 300 troops
participated in the coastal clean-up in Buri Island. Incidentally, a
fund raising run dubbed as “Alay Sa Kawal Fun Run” will be spearheaded
by 8ID on March 8, 2015 where part of the route of the 5 Km, 10 Km &
21 Km run will pass thru where the coastal clean-up was conducted. The
proceeds of the Alay sa Kawal Fun Run will be donated to the Kawal
Chiz to MILF:
Congress is legislating, not dictating
By Office of Senator Chiz
March 4, 2015
PASAY CITY – Senator
Chiz Escudero said Congress will not simply rubber stamp the draft
Bangsamoro Basic Law (BBL) without sifting through its facts to
resolve contentious issues, as what the Moro Islamic Liberation Front
(MILF) seems to fancy from the legislators.
“Let the MILF be reminded
that we in Congress are not dictating, we are legislating," Escudero
said, in reference to a statement attributed to MILF's Mohagher Iqbal
cautioning Congress against imposing pre-conditions to clear the way
for the approval of the BBL.
The senator underscored the
need for a thorough review of the BBL draft since Congress has no
participation in the crafting of the proposal put together by
Philippine and MILF negotiators.
“Sila-sila lang ang nag-uusap
nung ginagawa ang laman niyan. We were actually kept in the dark, and
now they give us this take-it-or-leave-it stance. This is demanding;
they are the ones demanding," said Escudero, chair of Senate Committee
Escudero scored government
negotiators for not doing their job and has put them to task to relay
to the MILF the work Congress needs to do in as far as the negotiated
draft agreement is concerned. He said they should also be forthright
about the limitations of their negotiating jurisdiction.
“Nung may sulat na lumabas
na ang pagkakaintindi ng MILF nung nakikipag-usap sila sa GRP panel,
ang kausap nila ay buong executive, legislative at judiciary. Ito ba
ang ipinaunawa sa kanila ng ating mga negotiators? Ni walang pumalag
sa ating panel at sinabing hindi ganyan yan. Ngayon nakuha na lahat ng
MILF ang gusto nila tungkol sa BBL kaya hindi na naming pwedeng
baguhin?” Escudero pointed out.
Escudero was referring to a
December 29, 2014 letter from MILF chair Al Haj Murad Ebrahim to the
House of Representatives, as cited by Sen. Alan Peter Cayetano in the
Senate Mamasapano hearing last February.
In a letter dated Dec. 29,
2014, MILF chair Al Haj Murad Ebrahim told the House of
Representatives that when they negotiated the peace agreement they had
“the understanding it was negotiating with the totality of the
Philippine government or the ‘whole of government’ especially since
the Commander-in-Chief powers of the President allow him to bind the
whole government including its different branches.”
“It’s now up for Congress to
clean up the mess our government negotiators have created. Now let OPPAP (Office of the Presidential Adviser on the Peace Process) and
the GRP panel work and impress upon their counterparts that Congress
reviewing the draft BBL and amending provisions is fairly part of our
democratic process," Escudero said.
89 LGUs in Region 8
earn DILG’s seal of “Good Financial Housekeeping”
By MYLES JOSEPH E. COLASITO
March 4, 2015
TACLOBAN CITY –
Eighty-nine (89) or about 60% of local governments in Eastern Visayas
passed the Seal of Good Financial Housekeeping for 2014. [
This was revealed by
Regional Director Pedro A. Noval Jr. of the Department of the Interior
and Local Government (DILG) in Eastern Visayas who cited the official
list released recently by the DILG Bureau of Local Government
“I am glad to report that
all six provinces in our region, namely: Leyte, Southern Leyte,
Biliran, Samar, Northern Samar and Eastern Samar passed the Seal of
GFH. So did six cities: Tacloban, Ormoc, and Baybay in Leyte; Maasin,
Southern Leyte; Borongan, Eastern Samar and Catbalogan, Samar,” said
Dir. Noval, adding that 77 of 136 municipalities also passed the GFH.
The GFH, a component of the
Seal of Good Local Governance (SGLG), was formerly known as the Seal
of Good Housekeeping (SGH), which the Department initiated in 2010.
GFH applies the same SGH minimum criteria: that a local government
must have an Unqualified or Qualified COA Opinion for the previous
year, and full compliance with the Full Disclosure Policy (FDP).
RD Noval explained that for
an LGU to be a recipient of the stepped-up SGLG, it should also pass
the two other essential assessments on Disaster Preparedness and
Social Protection. It should likewise pass at least one of the three
essential assessments on Business Friendliness and Competitiveness,
Environmental Protection and Law & Order and Public Safety.
RD Noval said that the
assessment was conducted last year through cross posting of Regional
Assessment Teams (RATs) composed of DILG Field Officers,
representatives from CSOs and NGAs.
The complete list of GFH
passers is available at the DILG website www.dilg.gov.ph. The GFH
Certification is a requirement for local governments in order to
access loans pursuant to Local Finance Circular No. 1-2012, and to
avail of programs such as Grassroots Participatory Process (GPP) and
Sagana at Ligtas na Tubig sa Lahat (SALINTUBIG) program of DILG.
LGUs that failed to pass the
GFH have some immediate recourse if the reason was non-compliance with
the FDP. They simply have to fully observe FDP requirements on posting
to avail of the “After Assessment Compliance” and secure GFH
certification without waiting for the next assessment period.
On the other hand, if the
LGU was subjected to an “Adverse” or “Disclaimer” opinion from COA, it
should fully comply with all the findings in order to garner a passing
opinion on the next Annual Audit Report (AAR).
young and the elderly have no other option but to sleep on the
floor of the old public market in Pagalungan, Maguindanao. They
left their mats home when they fled.
(©ICRC/L. de la Cruz)
fighting in central Mindanao
March 4, 2015
MANILA – Thousands of
people have fled their homes as fighting between government security
forces and armed groups escalates in Maguindanao province, in central
The number of displaced
people is rising.
Entire communities from
villages in Kalbugan and Buliok, in Maguindanao, displaced by a range
of clashes in early February, fear returning to their homes owing to
the risk of explosive devices and the general uncertainty of the
“Civilians are forced to
flee out of fear. Displacement, especially when it’s prolonged and
repeated, uproots people from their normal lives and causes untold
suffering,” said Pascal Mauchle, head of the ICRC’s delegation in the
Philippines. These families need food, clean water and access to
sanitation, he said.
The ICRC reminds all parties
to the fighting to respect human life and dignity. Civilians and
civilian property – such as houses, agricultural land, water-supply
lines and health-care facilities – must be safeguarded. All injured or
sick people – regardless of their religion, ethnic group, gender or
political beliefs – must receive medical treatment appropriate to
Working closely with the
Philippine Red Cross, the ICRC delivered relief, such as food and
hygiene items, last week to some 20,000 people in North Cotabato and
Maguindanao; and began providing drinking water daily in two
evacuation centres. With their presence on the ground and close
proximity to the affected population, both organizations stand ready
to provide further support.
The ICRC is a neutral,
impartial and independent humanitarian organization whose mandate is
to protect and assist people affected by armed conflict and other
situations of violence. It has had an established presence in the
Philippines for over 60 years and a permanent presence in Mindanao
commissioned as currency of radio industry in PH
March 4, 2015
MAKATI CITY – Kantar
Media, one of the country’s leading television audience measurement
providers, was commissioned by the Radio Research Council (RRC) and
Kapisanan ng mga Brodkaster ng Pilipinas (KBP) for a series of radio
surveys to serve as currency of radio listenership. This year, KBP
will give networks, media agencies, advertisers, and other
stakeholders in the industry free access to the data. Also providing
support is the MSAP or the Media Specialist Association of the
Philippines that established the specifications and evaluation of
suppliers for the Kantar Media studies.
The survey will cover 53 key
cities nationwide, including Cebu, Davao, Dagupan, Cagayan De Oro,
Bacolod, and Iloilo. The project was awarded to Kantar Media last
December 2014, and will be running throughout 2015. With the
establishment of Kantar Media-commissioned studies as currency, RRC
and KBP aim to establish a common ground among industry stakeholders
not just for research and analytics, but also in negotiating and
Kantar Media is very proud
to take on this project. “Kantar Media is honored to have been
selected as the audience measurement partner of the KBP for the radio
industry. This endorsement is a validation of the high standards,
quality and data accuracy of our work. This partnership with the KBP
will enrich our research and knowledge in radio listenership,” Gabriel
Buluran, Kantar Media General Manager said.
Meanwhile, KBP president
Ruperto Nicdao Jr. and vice chairman Butch Canoy stressed the
importance of this partnership saying, “Radio research is an
invaluable tool for us to highlight the importance of the medium. The
renewed vibrancy of advertising through radio was brought about by the
regular conduct of surveys which provide guidance to media agencies
and clients in deciding their media mix. We thank Kantar Media for
this continued partnership."
Furthermore, Angelito ‘BoyP’
Pangilinan, RRC chairman added, “Kantar’s consolidated proposal for
radio audience measurement and monitoring of spots as they are
implemented turned out to be most cost-efficient. Now, the industry
will not only be guided as to what stations to select, they will also
have a way to monitor implementation without having to make those
trips for the customary media checks.”
This partnership cements
Kantar Media as the currency for the radio industry. The data findings
from Kantar Media will be provided for free by RRC and KBP to MSAP,
the Association of Accredited Advertising Agencies-Philippines (4A’s),
and the rest of the industry.
87IB embark youth
leadership activities to counter insurgency in Samar
By JAZMIN BONIFACIO
March 2, 2015
CALBIGA, Samar – The military here believe that education is a vital
tool in risk reduction of NPA recruitment in the region. The youth
sector, especially in urban and lowland areas, is more vulnerable to
NPA recruitment and this has been repeatedly evidenced by the arrests
of a good number of suspected activists that law enforcers believe to
have links to the underground movement.
While poverty is a major factor of recruitment of children and minors
up in the mountains, their counterparts living in the lowlands are
more likely prone to recruitment due to idealism and deceit. To
counter the activities of the NPA’s “front organizations” in the urban
and lowland areas, the Army’s 87th Infantry Battalion embarked on
massive and sustained education, information and awareness activities
for the youth to understand the ills of the NPA.
A series of Security Awareness Symposium, Youth Leadership Seminar,
sustained information dissemination through the tri-media, barangay
visitations, local community consultations and dialogues, inter-agency
conferences, and constant collaboration with the church officials and
other stakeholders, have helped reduce the threat to massive NPA
Lt. Col. Antonio Dulnuan Jr., Battalion Commander of the 87th IB based
in Calbiga, Samar said that these are activities that need to be
sustained not only the Philippine Army but by the local government
units, barangay officials and local communities as well.
With this knowledge, the 87th IB eye on instilling in youth the desire
and know-how to build peace and according to Col. Dulnuan there is no
better way to work toward future peace than to capture and channel the
imagination, passion, dynamism, capacities and commitment of the
youth. By filling young people with confidence and giving them the
tools to build peace in their own communities, a solid foundation for
He lauded also some areas where residents are spearheading efforts to
ensure that their communities are free from the presence of insurgents
and some have even adopted measures to monitor the movement of
visitors coming to their villages.
To recall, faculty of Mabini National High School in partnership with
87th IB and barangay officials facilitated a Youth Symposium (last Feb
13, 2015) in Brgy Mabini, Basey Samar, purposely to establish a
peaceful society of youth in the community.
Mabini is a remote village in Basey, where children have to walk
approximately two to three hours to attend school and, in most cases,
the family income most likely will not allow them to go further than
high school. And empowerment of people through education is a
long-lasting transformation, leading to potential personal growth and
capacity development, as well as bringing hope for a better and
possibly sustainable livelihood.
According to Echene Sabanyao,
the Mabini National High School Student President said that “I want to
touch lives of those who are passing through difficult situations
acute poverty and sufferings. I considered that my life is a solution
to another person. I wish to change the story of every unhappy child
and touch the live of the poor youth in our village.”
The symposium according to School Principal Lauro Gacusana of Mabini
National High School aims to strengthen youth-driven peace-building
initiatives based on the needs of its members, facilitates a safe
space for dialogue and conflict transformation, develop the
organizational capacities of the members and to bring the voices of
young people to policy makers on a regional and global level. And it
is an opportunity to exchange ideas, experiences and approaches on
advocacy and is aiming to connect the experiences of young change
makers and peace builders with the international policy realm.
“It's a great feeling when you see someone who may have given up on
life become empowered for success because of the impact someone had on
their life. It is always a joy when I look at how much youth in
marginalized communities I have worked in have grown because other
young people took the time out to invest in their lives. I believe
that once there are people willing to hear the voices of youth, inform
them, interact with them, and join them in the movement, we will start
to see a change in our nation’s youth", Gacusana stressed.
Women’s Month with 3km long motorcade
By DPAO, 8ID PA
March 2, 2015
CAMP VICENTE LUKBAN,
Catbalogan City – The 8th Infantry (Stormtrooper) Division,
Philippine Army launched the celebration of the 2015 National Women’s
Month Celebration at the 8ID Grandstand, Camp Vicente Lukban,
Catbalogan City on March 1, 2015.
The said event was
highlighted with a field mass followed by a three-kilometer long
motorcade caravan from 8ID Grandstand to Catbalogan City proper. The
activity was participated by more or less 800 individuals with 369
vehicles composed of 140 motorcycles, 150 bikes, and 79 private and
military vehicles. The participants were members of 8ID Ladies Club,
8ID civilian employees, local motorcycle riding and biking
enthusiasts, military personnel, PNP Catbalogan, City and the 8ID
Observers considered the
three-kilometer motorcade as one of the longest and most participated
Motorcade event in Catbalogan City history.
The month-long celebration
was anchored on the national theme, “Juana, Ang Desisyon Mo, Mahalaga
sa Kinabukasan ng Bawat Isa, Ikaw na!” which gives emphasis on the
importance of women’s role in today’s society as well as a reminder of
equality whatever gender or sex we are part of.
Gracing the event was the
presence of Maj. Gen. Jet B. Velarmino, 8ID Commander; and Ms
Christine Caidic, Chairperson of 8ID Multi-Sector Advisory Board and
the focal person of Samar in Gender Awareness Development. Caidic also
was the guest of honor and speaker during the ceremony.
Caidic in her message
stressed that, “Women of today play vital roles in the different
sectors of our society. The 21st century challenges are enormous and
empowering women by giving them equal rights to hold the rein of
running our society will make it easier to cope up with these
challenges; and we, the women of today are ready to hurdle these
Chiz: We want peace
for Mindanao not just with MILF
By Office of Senator Chiz
March 2, 2015
PASAY CITY – Senator
Chiz Escudero said the present form and shape of the proposed
Bangsamoro Basic Law (BBL) may seal the peace deal with the Moro
Islamic Liberation Front (MILF) but this would not necessarily
translate to peace in the entire Mindanao region.
Escudero, chairman of the
Senate Committee on Finance, said the government should take a hard
and close look into the leadership composition of the MILF who sits in
the negotiating table for the BBL following the bloodbath in
Mamasapano, Maguindanao last January 25.
“The BBL will be hard
pressed to get the Senate and Congress’ nod after this fatal incident
which gave away the leadership or lack thereof of the MILF over the
area,” the senator said.
Putting a timeframe to pass
the proposed legislation is unlikely at this point after many
questions cropped up as a result of bloody clashes between the elite
Special Action Force of the Philippine National Police and the MILF,
the Bangsamoro Islamic Freedom Fighters (BIFF) and private armed
groups operating in Mamasapano.
“Are we talking to the right
people for dealing with the entire community of the BBL area and its
residents?” Escudero said. “I once said that I have doubts if the MILF
can truly represent the BBL area and its residents, including the
indigenous peoples, the Christians and other groups also endemic to
He added: “Now more than
ever we should press for the scrutiny of the MILF’s capability to
supervise and control their ranks after the Mamasapano massacre. Do
they have influence over the entire MILF, the BIFF and other private
According to Escudero, if
the BBL is passed, the MILF will be given at least P75 billion aside
from the annual Internal Revenue Allotment (IRA) and the Bottom-up
“Sa totoo lang, ang galing
ng panig at panel ng MILF. Nakuha nila lahat ng pwede at gusto nilang
makuha sa BBL at sa mga kasunduan. Ang tanong ko: Anong mapapala ng
pamahalaan at ng nakararaming Pilipino?” the senator asked.
The fund is even larger than
the P70 billion budget of the PNP and is close to the P90 billion
allocation for the Armed Forces of the Philippines (AFP). According to
Escudero, if taxes and other fees and charges will be added, the MILF
will have a spending package bigger than that of the country’s
Escudero explained that the
Mamasapano clash, which resulted in the deaths of 44 SAF troopers,
served as an eye-opener for lawmakers to further scrutinize the
provisions of the BBL.
“I believe we should be
grateful to the SAF 44 who gave up their lives for the country and
pave the way for us to look into the details of the peace process
because if this incident did not happen, the BBL could have been
passed effortlessly and we will be bombarded with this problem one
day,” Escudero said.
He cited a provision in the
BBL that the Shari’a High Court’s decision is final and executory,
which the senator said is totally in violation of the Constitution
which provides that the country’s Supreme Court (SC) has the final say
and has the sole right to review all cases.
Escudero also scored a
provision that says that the Judicial Bar Council created under the
BBL has the authority to discipline a Shari’a judge. “The rule of
judicial procedure solely lies within the power of SC, as provided by
the Constitution. Not even Congress can pass a law to interfere with
However, Escudero still
expressed support for the peace process while highlighting the
importance of setting the bars high in crafting the provisions of the
BBL and seeking justice for the slain SAF troopers – a move that is
beneficial to parties involved in the peace agreement.
“Wala namang may ayaw na
matuloy ang peace process, wala namang may ayaw ng kapayapaan sa
Mindanao. Wala namang may gusto ng giyera at kaguluhan sa Mindanao.
Subalit ang tanong, paano natin makakamit ang kapayapaang iyan? Ano
yun paraan para marating natin ang kapayapaang yan? At dapat timplahin
at sabayan ng hustisya ang kapayapaang isinusulong ng gobyerno at
hinahangad natin sa Mindanao. Hindi pwedeng puro kapayapaan na lamang,
maski papaano makamit yan at maski ano at sino masagasaan. May halaga
na kailangan nating pagbayaran nito,” Escudero said.
reiterates concerted efforts to curb insurgency in Samar
By JAZMIN BONIFACIO
February 28, 2015
BASEY, Samar – The
Philippine Army’s 801st Infantry Brigade has called on for more
concerted efforts to pursue peace and development and uphold rule of
law and justice in their series of operations in Samar provinces.
Col. Leoncio A. Cerunay,
brigade commander said the army is intensifying its peace efforts
through bayanihan (heroism) and focused military operations to
safeguard the community against armed threats from lawless elements.
Cerunay tackled the current
situation of Basey and other areas in the Samar province, saying “the
tensions have continued for nearly 46 years and people living in
isolated communities in Samar are still in urgent need of support.”
“It is negotiations, not
fighting, that offers solution,” Cerunay observed.
It was learned that the army
continue to reach out and encourage members of the New People’s Army
to abandon the armed struggle, return to the fold of the law, and live
a normal and peaceful life together with their families.
To jointly pursue peace and
development and uphold rule of law and justice, he has called for
equal treatment, uphold the principles of sovereignty and territorial
integrity, safeguard the rights of all people to independently choose
their social systems and development paths.
“We should be open and
inclusive in order to achieve harmony between all people with
different social systems, religion, cultural traditions and ideology,”
cooperation should be pursued for win-win or all-win progress by
aligning common interests with those of others and working to expand
areas where their interests converge.”
The official stressed that
beating swords with ploughshares may take time and effort, but history
and reality have repeatedly demonstrated that to meet violence with
violence will not lead to enduring peace, and the use of force will
create more problems than solutions.
“For the good of all, there
is a need to intensify efforts and initiatives aimed at creating the
conditions for a stable peace based on justice, on the recognition of
the rights of every individual, and on mutual security," the commander
Project Bagong Araw
become entrepreneurs through store rehab project
February 23, 2015
TACLOBAN CITY – A
revitalized local economy awaits Leyte as more than 300 women
sari-sari store (small retail store) owners completed a six-month
business skills training course that transformed them into smarter
The training is part of
“Project Bagong Araw,” a sari-sari store rehabilitation program for
communities affected by typhoon Yolanda. Implemented by Hapinoy,
Project Bagong Araw supported store owners in Tanauan, Palo, Javier,
and Tacloban City with funding assistance from Philippine Business for
Social Progress (PBSP) and other companies.
The project was capped off
by the graduation of 348 mothers at the Apostolic Center in Tacloban
City. It was attended by the project’s partners, including PBSP
executive director Rafael Lopa who stressed the importance of
supporting micro-enterprises, especially the sari-sari stores, which
he calls the “haligi ng komunidad.”
“Napakahalaga na gamitin
natin ang ating mga tindahan para ang ating mga kababayan na
nahihirapan pa ring bumangon pagkatapos ng Yolanda ay magkaroon ng
lugar na kung saan makakabili ng mas murang bilihin (It’s important
that we use our stores to provide those who still find it hard to rise
up and move on after Yolanda, a place where they can buy cheaper
products.),” Lopa said.
Through the business
training, the women were provided new skills in managing a business
such as basic record-keeping, business planning, mobile literacy, and
credit management, among others.
“Maraming nakikinabang dahil
inayos ninyo ang inyong mga tindahan at inyong mga bilihin (Many are
benefitting from your newly-renovated stores and newly-organized
products.),” he added.
Beneficiaries also received
access to capital loans worth P10,000.00 and underwent store
Through PBSP, Project Bagong
Araw was able to assist 79 sari-sari store owners who were about to
complete the repayment of their loans. Lopa said this was a sign that
the owners are taking the project seriously.
According to him, the
repayments will go back to a credit facility called the Micro
Enterprise Disaster Assistance Fund for Resiliency, also called the
MIDAS fund. It aims to provide lending capital to 25,000
Yolanda-affected micro-entrepreneurs made available through
micro-finance institutions (MFIs).
The MIDAS fund was
established by the United States Agency for International Development
(USAID) in partnership with PBSP as a way to rebuild the local economy
and help the Visayas region respond better to future disasters.
Through regular repayments,
Lopa said MFIs can provide loans to more individuals also in need of
“Napakahalaga na hindi kayo
tingnan na tao lamang na humihingi. Napakahalaga sa dignidad ninyo na
kayo ay negosyante at kayo ay mga taong talagang seryoso sa trabaho
ninyo at alam ninyo ang kahalagahan ng pag-utang ang pagbayad ng utang,
(It's important that you will not only be seen as people depending on
dole-outs. It is important for your dignity that you are perceived as
businesspersons who are serious in your work and know the value of
lending and paying for your debts.),” he added.
The Apostolic Center evoked
a festive vibe as the graduates each received their diplomas handed by
Hapinoy co-founder Mark Ruiz and the representative of the sponsoring
companies. To further support the women in their enterprises, store
items like weighing apparatuses and candy jars were also distributed
during the event.
Twenty-two model store
owners were also selected as Hapinoy Ambassadors during the event.
They are tasked to share their experiences in becoming better
entrepreneurs and hopefully inspire others to follow the same path.
Other partners of Project
Bagong Araw are AirAsia Founation, SunLife Financial, SunLife
Foundation, Manulife, Ayala Foundation, Tanging Yaman Foundation,
Porticus, CARD Bank, and Taytay sa Kauswagan, Inc.