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YOUR LOCAL ONLINE BUSINESS PAPER Issue No. 102, Volume III • August 27-30, 2012

Market Indicators AS OF 5:56 PM AUG. 24, 2012

5 cents


PHISIX 5,143.36

59.49 points


FOREX US$1 = P42.16

DOE warns LPP retailers of penalties on malpractices By APIPA P. BAGUMBARAN Contributor

THE Department of Energy (DOE) has warned retailers of penalties for violation of the rules and regulations governing retailing of liquid petroleum products (LPP). The Department has set penalties for every violation ranging from reprimands to a fine of P10,000, according to Loralai Capistrano, super vising science research specialist of DOE’s Retail Market Monitoring and Special Concerns Division. She said the DOE may also recommend to local government the suspension and revocation of business permits of retailers found violating the LPP regulations. According to her, the common practices that are punishable under the LPP retail regulations are illegal trading, LPP not meeting the Philippine National Standard, hoarding, and use of pumps with broken seal, or uncalibrated and unsealed pumps. No daily calibration record and no consumer safety and information signs are also considered as violations of LPP retail business rules, she said. C apis t r an o, w ho was one of the speakers during the recent Multi-Sectoral Advocacy PENALTIES/PAGE 10

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Prelate pushes ‘no build zone’ ordinance By BONG D. FABE Correspondent

ARCHBISHOP Antonio J. Ledesma on Friday urged civil society organizations and all concerned sectors to put pressure on the city government to immediately pass a “no-build zone” ordinance “for the good of the entire city.” Ledesma reiterated calls

by various sectors for the immediate passage of an ordinance establishing a nobuild zone in the city, eight months after the devastation wrought by Tropical Storm Washi (Sendong). President B enigno Simeon C. Aquino, during his visit on December 20, 2011, directed the city government to prohibit people from returning to

areas the Mines and Geosciences Bureau (MGB) of the Environment department had earlier identified as “high-risk areas.” These areas were subsequently identified by the President as no-build areas: Sitio Kala-Kala and Sitio Tambo, both in Barangay Macasandig; Isla de Oro in Barangay 13; Isla Delta 1 in Barangay 17; Isla Bugnaw

and Isla Delta 2, located in Barangay Consolation. These areas, he said, are permanent danger areas and therefore, are no longer habitable. “That is for the good of the potential residences of these areas. And also for the good of the entire city,” Ledesma said, referring to the needed ordinance. ORDINANCE/PAGE 10 Ledesma

By NELSON V. CONSTANTINO, Editor-in-Chief and MIKE BAÑOS, Correspondent


OWER consumers in Mindanao may enjoy lower electricity rates by virtue of the latest Energy Regulatory Commission’s decision to reduce the ancillary charge by Aboitiz Power Corp.’s power barges in the region.

However, this may not come too soon, an official of the Cagayan Electric Power and Light Co. (Cepalco) said on Friday. Cepalco was the main petitioner in the motion for consideration filed before the ERC against the earlier approved capital recovery fees by Therma Marine Inc., an Aboitiz subsidiary which operates Power Barge No. 117 moored offshore Brgy. Sta. Ana, Nasipit, Agusan del Norte and Power Barge No. 118 in San Roque, Maco, Compostela Valley. While they welcome this latest development with much interest, AGRO-INDUSTRIAL FAIR. The Agro-industrial Fair being held at the Cagayan de Oro City Hall Ground showcases the city’s various farm products. The fair runs from August 15 up to the end of the festivities Cepalco has not yet issued any official which mark Kagay-an Festival 20012. PHOTO BY GERRY L . GORIT RATES/PAGE 10

NHA told to probe substandard housing units for Sendong victims THE National Housing Authority (NHA) has been tasked to look into reports that some housing units built for the survivors of Tropical Storm Sendong in Cagayan de Oro (CDO) City are allegedly substandard in quality.

“I have already directed NHA General Manager Chito Cruz to conduct a thorough investigation on the allegations of some awardees in the resettlement sites in CDO,” said Vice President Jejomar Binay, who also HOUSING/PAGE 10


August 27-30, 2012




Implementation of Coconut Tree Preservation Act generates P1.512M for Region 10 By RUTCHIE C. AGUHOB, Contributor

OROQUIETA City -- Compliance with Republic Act No. 8048 or the “Coconut Tree Preservation Act of 1995,” has generated P1.512 million in fees for permits to cut down coconut trees in region 10, during the first quarter, this year. R.A. 8048 authorizes the local government units (LGU’s) to verify the authenticity or validity of the cutting permits, as well, as the type and volume of the coconut trees or lumber covered by such permits. It also mandates the regulation

of the cutting of coconut trees and the conduct of a sustainable and efficient replanting program to ensure the preservation and development of the coconut industry. Meanwhile, this year’s collection represent an increase of 3,470 percent compared to P42,000, during the same period in 2011, Luis G. Cruz, Regional Manager of the Philippine Coconut Authority (PCA), region 10, said. He said a total of 29,197 coconut trees were cut during the period, which also posted an increase of 2,948 percent compared to 958

coconut trees that were cut down in 2011. On the other hand, the number of permits also increased from three to 383 or 12,667 percent, which could be attributed to the lifting of the moratorium to cut down coconut trees, effective April 2011, Cruz said. The PCA data also show that Misamis Occidental had the most number of 21,428 or 73.39 percent of the coconut trees that were cut during the period. This was followed by Misamis Oriental with 3,681 or 12.61 percent, Lanao del Norte with 2,889 or 9.89 percent, Camiguin with 987 or 3.38 percent and Bukidnon with 212 or0.73 percent. In terms of fees on the tree-cutting permits, Misamis Occidental also posted the biggest amount of P1.108

million or 73.28, followed by Misamis Oriental with P192,000 or 12.69 percent. Next was Lanao del Norte with P140,000 or 9.25 percent, Camiguin with P64,000 or 4.23 percent and Bukidnon with P8,000 or 0.053 percent. As to the number of permits, again, Misamis Occidental posted the highest with 146 or 38.12 percent, followed by Camiguin with 89 or 23.23 percent. Next was Lanao del Norte with 73 or 19.06 percent, Misamis Oriental with 67 or 17.49 percent and Bukidnon with eight (8) or 2.08 percent. Cruz said the cutting of trees in Lanao del Norte was also covered by a “special permit” issued by PCA Central Office, covering some areas intended for power transmission lines purposes.

Dipolog hosts first IPP info drive By FRANKLIN P. GUMAPON Contributor

0917-7154399 088-856-8562/63


DIPOLOG City -- The first leg of a series of orientationseminars by the Board of Investments (BOI) on the 2012 Investment Priorities Plan (IPP) was held yesterday here with city and municipal officials, business leaders and representatives of national and local government agencies as participants. More than 100 participants voiced their issues and concerns, which were answered by BOI personnel, composed of Engr. Guillermo S. Laquindanum, Supervision and Monitoring Department Head Remegia A. Aramil, Resource-based Industries Department Chief and Senior Investment Specialist Gina C.

Aquiza. Laquindanum presented preferred investment activities under the 2012 IPP, which include agriculture/ agribusiness and fishery, creative industries/knowledge-based services, shipbuilding, mass housing, iron and steel products, energy, infrastructure, research and development, green projects, motor vehicles, strategic projects which provide very social economic returns, hospital/medical services, and disaster prevention, mitigation and recovery projects. He added that these investment activities also cover industrial tree plantation, exploration, mining, quarrying and processing of minerals, publication or printing of books/textbooks, refining, storage, marketing

and distribution of petroleum products, ecological solid waste management, clean water projects, and rehabilitation, self-development and self-reliance of persons with disability. The next leg of the IPP orientation-seminar will be held next week in Butuan City. Joining the BOI staff in the activity was BOI Governor Pelagio T. Recalde. Recalde was amazed with the scenic Dapitan, which is home to Rizal Shrine and renowned Dakak Park and Beach Resort. The BOI governor has also seen the tourism potentials of Dapitan, which would serve as a catalyst of more business opportunities not only in this city but in its neighboring city of Dipolog and towns as well.

Egg production provides the crack for better income VERUELA, Agusan Del Sur -- Rice farmers in Barangay Sampaguita of this municipality recently turned into egg production for them to have a regular income.

“Rice farmers here only know two words: short or failure,” said Samuel Viñan, member of the Sampaguita Irrigators’ Association (SIA) referring to their

usual yield in rice farming. Viñan who owns a hectare and a caretaker of another five-hectare rice farms said rice farming is not enough to meet the daily needs of his family. “We usually just have break-even and sometimes have very low yield due to pests and diseases incidence which could not even supply for our food consumption” he said. The same situation holds true with other irrigators associations in the town. So they decided to look for alternative income to address low productivity in rice farming. Their plan to have alternative livelihood was realized when the municipal agriculture office endorsed their proposal to the Mindanao Rural Development Program (MRDP). MRDP is a special project under the DA and jointly funded by the World Bank, the national and local government units.



August 27-30, 2012




August 27-30, 2012



Uratex, Orthopaedic Association cited for good musculoskeletal health promotion URATEX, the leading manufacturer of commercial and automotive polyurethane foam products in the country, was recognized recently by the Philippine Orthopaedic Association, Inc. (POA) for their continued collaboration with the POA to promote good musculoskeletal health and its importance in relation to Filipinos’ overall health and well-being. The POA, an organization of orthopaedic surgeons in the Philippines, presented the recognition during its 62nd Annual Convention, which carried the theme “Orthopaedic Trauma at the Crossroads: Which way?,” that was held at the Crowne Plaza Galleria Manila. This year, the number of delegates who attended the convention increased as it went close to 800 members, according to the office of the POA secretariat. At the convention, Uratex was able to showcase their mattress and pillow products designed to promote spinal alignment and pressure relief. These products were used as a platform for vigorous exchanges of ideas between Uratex and the orthopaedic specialists, who tried, analyzed and

gave valuable feedback concerning the products, and made product testing and development a more dynamic and vibrant exercise. “We are happy to note that during the convention, orthopaedic specialists agreed that mattresses and pillows are important components in providing good musculoskeletal health, and have regarded our specialty mattresses and pillows as potential tools in the reduction of many spine, neck and back pain problems.” says Ms. Christiane Marie “Peachy” Cheng-Medina, Managing Director, RGC/ Uratex Group. “And many bought for their personal or family use,” Ms. Medina con-

tinued, which shows that Uratex foams are trusted by experts in orthopaedic care. A lot of these pains are usually caused or worsened by improper sleeping positions and imbalanced mattresses (too hard or too soft). Uratex, Ms. Medina said, has a line of products which aims not only to give their customers a good, comfortable bed to sleep on but also a kind of bed that can help them improve their health. The products showcased include the Therapoint Neckease Pillow, which has a unique contour design that supports the head, neck and spine in perfect alignment. This design also accommodates both

back and side sleepers and it also eases breathing airways in order to reduce snoring during sleep. The “Orthocare” mattress, on the other hand, is what Uratex calls the “therapeutic” mattress, mainly because it relieves back pain due to improper sleeping positions and from sleeping on imbalanced mattresses. It is a medical-grade mattress that combines a high-density polyurethane mattress and a multi-zone topper with breathable open-pored cell structure. And there is also the Senso Memory Foam, one of the crowd favorites. It is constructed using high-quality visco-elastic

memory foam on top of a polyurethane base, and designed to sense the body’s weight and temperature, and then gently mold to its specific shape and contours and evenly distributes pressure all over the body. It supports the whole body, easing pressure points and discomfort usually associated with incorrect sleeping positions. The Technogel Mattress and pillows, meanwhile, caught attention because of its premium price and was readily accepted as a high-end product because of its unique look and feel. Unlike other available foam mattresses, Technogel deforms 3-dimensionally, which dis-

tributes pressure evenly over the entire contact surface to help promote better blood circulation and lessen interruptions during sleep. “Gel technology” is regarded as the next generation cushioning material for mattresses and pillows, and is now here in the Philippines. Ms. Medina even noted that the cooperation between Uratex and the POA have resulted in the development of highly specialized abduction pillow and lumbar pillow for fractures, trauma and recuperating patients. These are truly customized pillows that conform to clients’ specific requirements. “The objective is to help promote good musculoskeletal health among Filipinos. The challenge for us now is to be able to keep up with developments in the bed and mattress industry and be able to conform to clients’ requirements and doctors’ standards. This is the reason why we will continue to partner and collaborate with the POA to meet this objective,” she emphasized. For more information, call Uratex Cebu plant at (032)-3163849 ; 09175053626.

ONB posts 93% increase in income, retains rural bank status Rural banking giant One Network Bank already exceeded the P2.4 B minimum capital requisite for commercial banks as it raised its capital base to a robust P2.77B as of end July 2012. Despite the obvious capacity to convert to a commercial bank, ONB decided to retain its status as a frontrunner in the rural banking industry. Furthermore, in the first 7 months of 2012, ONB has outperformed its own 2011 earnings performance. The operating net income after tax of Php 336 M as of end July 2012 already surpassed the Php 315 M income for the year 2011 and registered a record breaking growth of 93% compared to the P174 M in the same period last year. This net income level, if annualized, translates to a 41% return on average private equity and 4% return on average assets, indicating a powerful core performance for the leading provider of modern quality banking products and services in the countryside. This upsurge in net income is mainly attributed to the substantial expansion in net loans and receivables which is an increase of around 17% or P1.83 B since the onset of 2012, half of which was recorded in the month of July 2012, or a loan portfolio growth of 70% or around P5 B compared to July 2011. The P775M net interest income as of July 2012 accounted for 61% of the total operating income while 28% or P361 M is composed of fee-based income principally

derived from service fees on loans. This loan expansion was made possible essentially by an increase in both deposits of 40% or P14 B from the P10 B level in July 2011 and capitalization due to the Bank’s policy of reinvesting all profits. As of end July 2012, the bank’s pool of depositors already reached a number of 575,000. The bank’s total resources grew to P17 B or a 37% increment from last year’s figure of P12.5 B. The strong deposit and loans growth is backed up by the bank’s intensive branch expansion. Earlier this year, ONB opened its 83rd branch in Pasong Tamo Extension,

Makati City as a response to the need of Mindanao clients for a financial highway to the country’s central business district. ONB Makati Branch is the bank’s first branch outside of Mindanao and the first branch to open in 2012. Other branches inaugurated in the first quarter of 2012 are its 2nd branch in Butuan City, Balingasag in Misamis Oriental, and Sangali in Zamboanga City. Sustained growth is foreseen in the light of the recent approval from BSP for 5 more branches in loilo. These branches will complement the existing 6 offices of RB of San Enrique in Iloilo soon to be absorbed by ONB once the merger secures approval

of banking authorities. ONB also continues to carry out its inclusive banking formula without investing as much as it does for regular branches through the launch of the ONB MicroBranch, a very accessible micro banking office (MBO) located in the barangay, providing modern financial services to microdepositors in the area thru its counters, ATMs, POS and internet banking. For the rest of 2012, ONB is opening five (5) MBOs in the barangays of Davao City, namely: Sasa, Cabantian, Catalunan Grande, Sandawa, and Bunawan. ONB maintains its confident outlook for the remainder


39 years of serving the Kagay-anons ALAY SA ESKWELA

Grade 1 students of Iponan Elementary School received school supplies from COWD last August 03, 2012.

of 2012 as it moves toward introducing more modern banking products and services through electronic channels and expanding its network of branches, ATMs and POS, even without going commercial. The bank, powered by its 1,291

employees, currently operates a network of 86 branches and 125 PeraAgad ATMs, with back office support system coming from the recently transferred Head Office to a modern 7-storey ONB Center in Sasa, Davao City.

Republic of the Philippines REGIONAL TRIAL COURT 10th Judicial Region BRANCH 24 Cagayan de Oro City 2012-387 IN THE MATTER OF THE PETITION SPEC. PROC. NO. 2012-101 FOR CORRECTION OF ENTRIES IN THE BIRTH RECORDS, LCR NO. 90-2739 OF GENESIS BADILLA LILAM CHANGING THE ENTRY FOR THE GENDER OF THE CHILD FROM MALE TO FEMALE, AND THE SPELLING FOR THE FIRST NAME OF THE MOTHER FROM TERESTA TO T ERE SIT A, AND DELETING THE ENTRY FOR THE DATE AND PLACE OF MARRIAGE OF PARENTS, GENESIS BADILLA LILAM, Petitioner, versus THE LOCAL CIVIL REGISTRAR OF CAGAYAN DE ORO CITY, TERESITA BADILLA AGUEL (mother) AND FELIX LADON ULAM (father) X--------------------------------------------------------------/ ORDER Notice is HEREBY GIVEN that before this Court is a verified Petition for Correction of Entry in the Birth Record of Petitioner in the Civil Registry of Cagayan de Oro City, alleging, among others, that she was born on February 26, 1990; that said birth was duly registered in the Civil registry of Cagayan de Oro City; that there were errors in the entries of said registration, as reflected in her Certificate of Live Birth, to wit: a) Gender of the Child - MALE b) Mother of Child - “TERESTA” RAMBUYON BADILLA; and c) Date &Place of Marriage - July 2, 1988, Polomolok, South Cotabato, when the correct entries should have been: a) Gender of the Child - FEMALE b) Mother of Child - TERESITA RAMBUYON BADILLA; and c) Date & Place of Marriage - none or left blank Thus, this petition for correction of the said entry. This petition will be called for initial hearing on September 24, 2012, at 8:30 o’ clock in the morning, during which the jurisdictional requirements of publication, posting and notice to all persons who have interests or claims which would be affected by this petition, will be proved. Any interested person may, fifteen (15) days from notice hereof, file his/ her opposition to the petition. SO ORDERED. ISSUED this 30th day of July, 2012, in Cagayan de Oro City, Philippines. BWM: Aug. 27, Sept. 3 & 10, 2012

(Sgd.) HENRY B. DAMASING Acting Presiding Judge




August 27-30, 2012


Max’s favors local brand for expansion plans THE MAX’s Group of Companies plans to bring its local chicken chain out to the rest of the Asia-Pacific while at the same time toning down the domestic expansion of licensed Krispy Kreme stores in an apparent affirmation of the growing success of Filipino brands. “Maybe we’ll try Australia and Singapore, and maybe Hong Kong,” Rebecca R. Arago, Max’s chief financial officer, said of the expansion plans for homegrown Max’s Restaurant. “Asia-Pacific is one of it, but we haven’t signed up more professional Filipinos our [expansion] targets. We for anything yet,” she said. and immigrants there.” “We believe there are Max’s Restaurant, first are already thinking about

CebuPac in hiring mode; ZestAir ties up with AAG LOW cost carrier Cebu Air Inc. (Cebu Pacific) of taipan John Gokongwei is on a hiring mode with the delivery of its additional aircraft while Zest Airways Inc. of Ambassador Alfredo Yao has tied up with global aviation training services provider Alpha Aviation Group (AAG) Philippines for the training of the airline’s pilots. Cebu Pacific announced yesterday that it has opened 200 more positions available for pilots, cabin crew, and technical and non-technical support crew in time for the delivery of two brand-new Airbus A320 later this year, and seven more aircraft next year. Candice Iyog, vice president for marketing and distribution of Cebu Pacific, said the airline is expanding rapidly in the country as it currently operates 10 Airbus A319, 21 Airbus A320 and 8 ATR-72 500 aircraft. “CEB continues to open its doors to dynamic and qualified individuals who wish to be part of the Cebu Pacific family. With our expansion plans in the AsiaPacific region, CEB remains

committed to providing high-paying jobs, a fun work environment and unlimited travel benefits to even more people,” Iyog stressed. In its 16th year of operations, CEB has flown over 65 million passengers. It provides access to the most extensive network in the Philppines, with 32 domestic and 19 international destinations. Between 2012 and 2021, Cebu Pacific would take delivery of 21 Airbus A320 and 30 Airbus A321neo aircraft orders. It is slated to begin long-haul services in the third quarter of 2013, with the arrival of 4 Airbus A330 aircraft from 2013 to 2014. Meanwhile, ZestAir has tied up with global aviation training services provider Alpha Aviation Group (AAG) Philippines to train the airline’s pilots. ZestAir and AAG have signed an agreement for a long-term training partnership wherein the airline’s pilots would undergo all their Airbus A320 training requirements starting September.

Sun Cellular post highest telco growth this year MOBILE phone operator Sun Cellular raised its net service revenues by a robust 17% the first half of 2012, earning P10.2 billion versus P8.7 billion for the same period last year, the highest growth rate for any local telco this year. Sun Cellular President and Chief Executive Officer Orlando Vea attributed the company’s strong first half results to further increasing sales of postpaid subscriptions and positive consumer take up on their new prepaid load variants, increase demand in broadband products and the marked improvement of Sun’s network coverage powered by its synergy with parent company, PLDT. Revenue growth for the company’s Postpaid, Prepaid, and Broadband segments all posted double-

digit growth rates which combined led to Sun Cellular’s continuing to blaze the path for the local telecom industry. “We have built on our growth momentum in the first quarter of the year. We are now reaping the rewards of the synergies between companies in the PLDT wireless group, as it adds more value to our existing services such as postpaid offerings and prepaid load variants, among others,” Vea said. Vea added that the network improvements will continue and they will lend more focus this time to enhancing network quality. Since the start of the year, Sun Cellular has enhanced its coverage, with the highest marked improvement in Mindanao and Northern SUN/PAGE 10

established on Scout Tuazon St., Quezon City in 1945, is popular for its fried chicken and Filipino dishes. The company began franchising in 1998. At present, Max’s has 139 branches in the Philippines, 11 in North America, and three in the Middle East, where overseas Filipino workers (OFWs) provide a ready market for the familiar, local fare. “Most of these OFWs are well-off, so they can spend much. And they miss the Philippines and Filipino food, that’s why they want to eat in our restaurants,”

Ms. Arago explained. Despite the economic difficulties being experienced by the United States and Europe, the sales of Max’s restaurants overseas have been “doing well,” she added. At home, the company is also likely to ramp up its branch expansions, an effort that may be funded by a mix of internally-generated cash and debt. “I don’t think the Philippine market is saturated at present. There are opportunities for us to expand more. I think we’re on the right track in terms

of expansions,” Ms. Arago said without citing specific targets. KRISPY KREME The company, however, will exercise more prudence in putting up more outlets of Krispy Kreme, an American donut chain whose Philippine license is held by the Max’s group. “Right now, we have 30plus Krispy Kreme branches in the Philippines. I think we already hit our target in terms of branches,” Ms. Arago said. “We have been slowing down [branch openings] MAX/PAGE 10



August 27-30, 2012

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hair. It takes 3-4 months for the resting hair to fall out and new hair starts to grow again. But, anything that is excessive is not normal and this may affect men, women, even children. Thus, hair fall, is not something alien as it is a phenomenon that we each can relate to. Baldness or alopecia, is worrisome. Not everyone is blest with that handsome or beautiful face minus a single strand of hair! A receding hairline and baldness on top of the head is common among men. Whereas for women, there is thinning over the entire scalp. The most common cause is imbalance of androgens or estrogens. Sometimes, when interviewed, female patients will say that they notice the hair fall, 3 to 4 months after child birth. Over or under production of thyroid hormones may likewise cause the problem. Stress, whether physical or emotional in nature, like say, after a major surgical procedure or after a divorce proceedings, one may notice the condition. Other causes include poor nutrition, intake of


Bees and Buzzards THINK a minute… Bees and buzzards are very different in their eating habits. Buzzards fly and circle above looking for animals that are either hurt or dead. Then when they see one, they swoop down to tear and feast on it until it’s gone. But honeybees are the exact opposite. Honeybees only look for the good sweet nectar, as they fly from flower to flower. Buzzards only produce fear, pain, and death in their feeding. But honeybees produce honeycombs full of honey, which gives health and enjoyment to others. You see, buzzards and bees always find what they’re looking for. Just like a wife

can usually find what she’s looking for in her husband. She’ll see what she chooses to see: the good or the bad. So if we’ll focus on our husband’s faults and mistakes, we’ll find them. And the more fault we find in our husband, the less we’ll respect him. So then when our husband feels that we don’t respect him, maybe even see him as a loser and failure, guess who’s the last person he will want to be with? His wife! Since he feels he can never please her or be good enough for her. But rather, if we try to look for the good qualities in our husband, and focus on those, we can grow to

respect even admire him. Then when our husband feels this respect from us, because we stop cutting him down and criticizing him, our marriage and relationship will be much happier. As a wise person said: “To your husband’s qualities and good points, be very kind; and to his faults and mistakes—a little blind.” Fortunately, there is a big difference between us and buzzards and bees. Animals cannot choose their instincts and behavior. But God made us human beings the highest of all His creation, so we can choose what we think, say, and do. So if you’ve not been the kind, loving wife



you know you should be, won’t you ask Jesus Christ to forgive you? Right now ask Him to take charge of your heart and nature, so you can start changing to become the wife your husband needs. Just Think a Minute …

Forging a closer Philippines – Turkey ties MONDEBEST INTERNATIONAL the local trade and event organizer who brought to Cagayan de Oro the Turkish Trade Mission for two successive years in a row is now reaping the success of bridging the continent divides that separate Asia and Europe. Last May 10-16, 2012, Mr. Mahmood Mactud invited 23 Turkish businessmen to tour Zamboanga and Bukidnon. They made the first stopover in Cagayan de Oro and have sat down over lunch at Pryce Plaza with several company officials coming from the private sector and the Oro Chamber. On October 1-8, 2012, the Department of Trade and Industry (DTI) will send prominent Filipino businessmen on a mission to Turkey in the hope that

it will establish more bilateral relations between the two countries. During a Press briefing by the DTI Undersecretary Cristino Panlilio in Manila, he said that the trade mission will help acquaint Filipino exporters with the business environment in Turkey. According to Mr. Panlilio, Turkey is one of the fastest growing economies with a gross domestic product growth of 8.5% in 2011. The Philippines exported USD 116 Million worth of products and received USD 100 Million of imports in return. I wrote a column on this paper last May 18, 2012, on the opening of more economic freedom for Philippine products to penetrate the Middle East and European countries. I

have written about Turkey’s trade relations with the Philippines from the information discussed during their mission. In terms of trade, Turkey is our 42nd largest trade partner. At this stage of increasing trade relations with Turkey, it might interest the Philippine government to shop for arms and aircrafts for the Armed Forces of the Philippines military modernization from a country which manufactures F-16 Jet Fighters for use of the NATO allies. Turkey has a huge Armed Forces equipped with the latest arsenal and armaments that help balance the shift of power in the Middle East. Buying military hardware from Turkey will open more reciprocity for Philippine export products


PED T. QUIAMJOT manufactured in our Economic Zones to penetrate the European market with Turkey as the entry point. Furniture’s from Cebu, Christmas decors from Baguio and Agricultural products from Bukidnon have a better competitive advantage than products coming from China. QUIAMJOT/PAGE 8

Be wary of ‘foreign currency trading’

One’s Crown SINCE time immemorial , man and woman alike , take pride in the way they look and take great pains in grooming their hair. It is without doubt that one’s appearance apparently is much affected by the hair style that one sports. Thus, it is not uncommon to find ourselves, having had a new cut and getting disappointed with the new look. Just recently, I received a text query asking if there is help available to prevent further his hair loss. It is really bothersome if one were to notice signs of balding , especially if one were still at the prime of life. It is actually normal to find hair strands when were to brush or comb, or, while taking a bath, and even when one looks at the pillow after a rest or sleep. Experts say that to lose 100 to 150 strands a day is acceptable. The normal cycle of hair growth lasts 2- 3 years, and each hair grows approximately 1 cm a month. Since the hair growth cycle is in three stages, with the resting stage being responsible for the shedding off, it is normal then to be losing


certain medications like there are anti hypertensive drugs, anticoagulants and chemotherapeutic agents that can cause hair fall. It is worth mentioning that nervous habits like scalp rubbing, hair twisting and hair pulling can further aggravate the condition. Though there are new treatment modalities to address the problem, like drugs, laser and even transplant, nothing beats knowing how to prevent it from occurring. Keeping one’s scalp clean and healthy is a very simple and basic what to do: use of mild shampoo and massaging the scalp most days of the week is easy to do. DIAO/PAGE 8

THE Bangko Sentral ng Pilipinas (BSP) and Securities and Exchange Commission (SEC) have issued a joint warning against illegal schemes proliferating in today’s financial markets. These shady activities, according to the BSP and SEC, include schemes involving “foreign currency trading” transactions. “Any solicitation to engage in foreign currency trading and to commit funds for this purpose should be considered with extreme care and caution,” the government agencies said in an advisory. The advisory listed the following precautions that an interested investor should consider before placing his or her funds with any foreign currency trading company: • Stay away from opportunities that sound too good to be true. Get-richquick schemes tend to be fraudulent. • Avoid any company that guarantees large profits or promises little or no financial risk. In many cases, claims of large profits or minimal risks tend to be false. Normally, the higher the

promised return, the higher the risks involved. Be suspicious of companies that downplay risks or state that written disclosure statements are only “routine formalities imposed by the government.” • Do not trade on margin unless you understand what it means. Certain foreign exchange transactions can make you responsible for losses that greatly exceed any amount you deposited. Do not trade on margin unless you are also prepared to accept losses that exceed the margin amounts you paid. In case of doubt, consult with reputable investment advisers/consultants and/ or financial planners. • Be cautious of sending or transferring cash on the Internet, by mail or otherwise. Be especially alert to the dangers of trading online. While it can be very easy to transfer funds online, it will often be impossible to get refunds. Be wary of companies that offer currency trading online but do not provide information about their company (e.g. office ad-


IGNACIO BUNYE dress or other information identifying their nationality, contact numbers and other relevant data) on their website. Be aware that if you transfer funds to those foreign/offshore firms, it may be very difficult or impossible to recover your funds. • Do not deal with individuals or companies who refuse to give you their background. Try to conduct a background check of the persons running or promoting the company. Do not rely on the representations or promises of the company’s employees. If you are unsure about the legitimacy and authenticity of the individual or BUNYE/PAGE 8



August 27-30, 2012




August 27-30, 2012


Bunye... from page 6

company with whom you are dealing, the best thing to do is to avoid transacting and dealing with them. • Always keep or retain a copy of the contrac ts/agreements and

Diao... from page 6

A diet rich in fruits and vegetables, less sugar and less salt, and yes, silica and vitamins B and C is of utmost importance to having that healthy hair! Too much alcohol and too much caffeine will do more harm than good, so try to shy away from these. Since stress is a known factor for losing hair, having a positive and optimistic attitude will reduce the unnecessary falling of that hair! For those who love to

VIVA Sr. San Agustin! Happy Fiesta to all Cagayanons....

other document/s or any receipt/s issued by these foreign currency exchange companies. This is especially useful in an event involving legal action. A printout of the page of the website alone may not always be acceptable or sufficient as style their hair to suit the mood and occasion, limit the use of hairstyling heated tools and the application of chemicals. A one time beautiful exotic look may be a costly price to pay if you were to lose that beautiful crown of yours. It doesn’t take much to keep that beautiful and handsome crown of yours: knowing the basics and applying them, for prevention is still the best there is. Should there be hair loss still, despite the care exerted, a visit to your friendly Dermatologist early on, will save you a lot of trouble...

evidence of the transaction. • Contact the regulatory agencies. Please bear in mind that the mere issuance by the SEC of a certificate of incorporation to a corporation does not include a permit or license to engage in activities which require a secondary license. • Always inquire as to whether or not the company had been authorized or licensed to undertake the abovementioned activities. Verification can be made with the proper government agencies such as the BSP and the SEC.

Quiamjot... from page 6

If we should get back at China for holding our Banana exports last summer to rot in their Ports for imaginary pest infestations then let’s trade more with Turkey and buy their F-16 Jets?

CdeO back o on our feet, and and moving forward… “A A City Cittyy inin Bl B Bloom, loo lo o , in Blossom, and in Boom”



Though all of us are still grieving over the untimely loss of our loved ones who perished in the ‘Sendong’ tragedy, Cagayan de Oro City, thank God, has definitely risen back on its feet… and moving on after the catastrophe. I fervently hope and pray that all of us would positively look forward to start with a new lease in life, and ultimately leave behind the agony, anguish and great pain caused by the tragedy. nd honor to our Patron Patr As we pay homage and Saint oun und strength and c Augustine, may we regain newfo newfound courage to e glory, glory ry, luster ry lu ust ster er and splendor er splen ndo dor of our…”City in Bloom, bring back the nd in Boom”. Boom”. in Blossom, and

Hon. Maximo Rodriguez


Abante Mindanao Partylist






August 27-30, 2012


All set for Kagay-an Festival Parade 2012 THE much-awaited Kagayan Festival Parade 2012 takes place today, Monday, August 27. The city government, headed by Mayor Vicente Y. Emano, Vice Mayor Caesar Ian E. Acenas and city councilors with department heads, will be leading the city government contingent during the civic-military parade. This year will showcase one of the biggest parades ever with over 100 contingents representing national government offices, 11 public schools and 14 private schools, civic groups and organizations and companies. The Philippine National Police, Philippine Army, Maritime Police, Coast Guard, Boy Scouts of the Philippines, Mindanao Shriners, and a contingent from Misamis Oriental will also join the parade. Councilor Emmanuel Abejuela, chair of the civicmilitary event, has been

meeting with all concerned parties to ensure the success of the fiesta activity. Meanwhile, six contingents will compete in this year’s Golden Float Parade, namely MLhuillier Philippines, Concentrix Corporation, International Pharma Inc., Jatico Adventure Park, Oro Builders Eagle’s Club, and Misamis Oriental congressional districts 1 and 2. The public will also see colorful floats of companies like 2Go Group Inc. and ABS-CBNs Tsada Kagay-an

during the event. Drum and Bugle Corps from Liceo de Cagayan University, Blessed Mother College, Macabalan National High School, Agusan National High School, Camp Evangelista Elementary School, Kauswagan Central School; Kuyanap-DBC, Misamis Oriental General Comprehensive High School, Pedro “Oloy” Roa Sr. High School, Cagayan de Oro National High School; Lapasan National High School, Bayabas Elem.

School; Camaman-an National High School, Gusa Regional Science High School, City Central School, Pilgrim Christian College and Bayanga National High School will be adding to the festive mood during

the parade on Monday. Winners of the Ms. Kagay-an 2012 will be presented to the public in the floats of GMA Network, Inc. and SM City Mall. Overseeing the Golden Float event this year is

Councilor Alden Bacal. At 8 p.m. on Aug. 27, residents of Cagayan de Oro and guests are invited to view the Kagay-an Pyro Festival at SM City, one of the core events of the Kagay-an Festival.

Cebu Pacific voted as 3rd best Asian budget airline THE Philippines’ largest national flag carrier, Cebu Pacific was named third best budget airline in Asia in the 2012 Best in Travel Poll, conducted by readers of Representing the Phil-

ippines, CEB bested other budget airlines such as Tiger Airways, Spice Jet, IndiGo and Virgin Blue. On its 8th year, the 2012 Best in Travel Poll is a threemonth poll based on actual experience, word-of-mouth

and brand image. Those who voted were travelers who took an average 16.22 annual air trips, with roughly 70% based in Asia, 15% in UK/Europe and 15% in USA/North America. SmartTravelAsia.

com is the only dedicated travel magazine for Asia, with over 1 million unique visitors annually. According to the, “Readers spot ‘aspirational’ brands and offers unique insights

into brand perceptions and trends…. The May-July 2012 poll offered no premium. Our interest was in securing the participation of genuine travelers.” CEB VP for Marketing and Distribution Candice

Iyog said, “We are proud to be the only Philippine carrier recognized in the survey by global travelers, who continue to inspire us to innovate, extend our reach and share the Filipino CEBU/PAGE 10



August 27-30, 2012

Ordinance... from page 1

Ledesma also urged the city government to “speedup the process of reclassification of lands” in the city, noting that future Sendongs must be taken into account in the reclassification processes. “We must implement the laws as there are so many national laws prohibiting people from residing in areas deemed dangerous,” Councilor Edgar Cabanlas said, adding that he will try his best to have such an ordinance passed by the City Council. Cabanlas is the second of only two opposition legislators in the 16-member City Council. Cabanlas also urged City Hall to immediately investigate the “rumored” return of some people to areas declared as no-build zone in Barangay Consolacion and to strictly enforce the President’s directive. In the Strategic Action Plan(SAP) for the Rehabilitation and Recovery of the Areas Affected by Tropical Storm Sendong, the Regional Development Council in Northern Mindanao (RDC-X) said: “As part of the policy recommendations, enforcement of environmental laws, particularly on prohibiting settlements in identified ‘danger zones’ stands out as one urgent call.” It went on to list the areas already identified as danger areas by President Aquino. “It must be noted that even prior to the President’s directive, the Department of Environment and Natural Resources recommended in 2009 to the City Government of Cagayan de Oro the relocation of the people living in Isla de Oro given that the area is considered high risk to flooding. Despite this, houses sprouted on Isla de Oro where it became a community to 500 families or roughly 7,000 people prior to the flash flood,” the SAP added. The SAP identified “rapid urbanization” as one of the culprits, along with “improper land use”, in the sprouting of communities in danger areas— floodplains, along riverbanks, as well as in other hazard-prone areas. “With the burgeoning settlement (formal and informal) and commercial establishments in floodprone areas, it is imperative to review land use planning and zoning starting from the barangay level. Development along high-risk areas must be strictly prohibited,” it recommended. In its Policy Recommendations for Land Use, the SAP listed three: these are (a) inclusion of geohazard assessment data (maps and reports) in all development undertakings; (b) LGUs to update/review their land use plans to include hazard mapping/disaster risk assessment and enforce zoning ordinances; and (c) review/ rnforce the Revised Manual of Land Surveying Regu-


lation in the Philippines (DENR Administrative Order No. 98-12) governing arroyos, esteros, and rivers to ensure compliance along land and environmental limitations. It also recommended that “the ‘no entry policy’ for the identified highly vulnerable areas or ‘danger zones’ has to be strictly enforced by the local government units concerned. Strengthening of local DRRMCs through capacity building and improved governance is likewise needed to increase the level of preparedness and put in place mitigation measures.” Enforcement of the President’s directive and RDCX recommendations is an imperative in the protection of lives. But in the absence of a local ordinance to put teeth to such directive and recommendations, there are national laws that can be cited, Cabanlas said. Rep. Rufus Rodriguez (2nd District), meanwhile, urged all concerned sectors to “continue to convince” City Hall of the importance of a no-build zone ordinance. Rodriguez said this ordinance is “very vital to prevent future loss of lives.”

Rates... from page 1

statement on the matter after their meeting Friday afternoon. “We don’t have any exact figures yet on how to compute the amount to be recovered,” said the Cepalco official who refuses to be named until they have referred the matter to their legal department adding that “It will be a long and tedious process.” From P0.77688 p er kilowatt-hour, the ERC lowered the tariff of PB 117 to P0.5564 in 2010, P0.5302 in 2011 and P0.5040 in 2012. The same existing rate for PB 118 was trimmed to P0.5150, P0.4912 and P0.4675 over the same years. Francis Saturnino C. Juan, ERC executive director, said the rate cut will be reflected in electricity bills once computations are completed by the National Grid Corp. of the Philippines. “There will be a refund by NGCP to the distribution utilities and the DUs will pass this through to their customers,” he said. NGCP buys the barges’ output as ancillary or backup supply to ensure the stability of the country’s power grid. The approved tariff had considered an appraised value for the 100-megawatt power barges to ensure a “fair recovery of TMI’s investments in acquiring and rehabilitating the plant[s] and compensated it for the risk of uncertainty of revenue,” the ERC said. In filing the motion for reconsideration, Cepalco said the regulator should not have allowed the use of the appraised value for the computation of the capital

recovery fees since the value of the assets were already available. AP acquired PBs 117 and 118 for $16 million and $14 million, respectively, in 2009 through a negotiated bid with the Power Sector Assets and Liabilities Management Corp., which is tasked to privatize National Power Corp.’s assets.

Housing... from page 1

chairs the Housing and Urban Development Coordinating Council (HUDCC). Binay issued the order following reports reaching his office that some residents at the Calaanan relocation site in Barangay Canito-an have complained of cracked walls and floors that they say could not withstand even a low magnitude earthquake. “We are taking these reports seriously because it is first and foremost an issue of the residents’ safety,” Binay said. The housing czar added that the tight budget for each housing unit – roughly around P110,000 – should not be an excuse for shoddy construction. “Before we started development of the resettlement sites, we have had several consultations with the constructors and other experts as regards the budget for each housing unit and they assured us that the amount would not compromise the safety of the families to be relocated therein,” Binay stressed. Binay assured the residents of the Calaanan resettlement site that they will look into their complaints so that any deficiency will be addressed immediately. “We want our kababayans to live without any fear that their houses might suddenly collapse so I am encouraging the residents of Calanaan and other resettlement sites to report to us any structural defect that they may notice in the houses that have been given to them,” he said. (PNA)

Penalties... from page 1

Campaign on Downstream Oil Industry, explained that the rules and regulations on retailing LPPs was formulated to stop the proliferation of unsafe practices in the LPP retailing business. It also establishes the minimum criteria for the retailing of LPPs and serves as a technical reference of other government bodies in the granting of permits for retail outlets, she added. The downstream oil industry advocacy campaign held last August 8 and 10 in the cities of Cagayan de Oro and Ozamiz, respectively, was a joint undertaking of the DOE and the Philippine Information Agency.


for its postpaid and prepaid products and services. Elaborating on Sun Cellular’s first half performance, Chief Operating Officer Charles Lim pointed to the increase in demand for affordable smartphones that come with best-value plans. “Sun Cellular is committed to providing powerful yet affordable Androidbased smartphones to its customers. With the right Sun Postpaid Plan, consumers will now be able to expand their horizons in mobility and go beyond simply calling and texting.” Lim explained. In Prepaid, Sun Cellular introduced new load variants in its Text Unlimited and Combo Loads that has seen good acceptance by the market. “Sun continues to be a practical choice for Prepaid customers because of its improving network and great value products, hence they are starting to use their lines more often. As a result, people are starting to load in higher denominations.” Lim explained. “Of course our Call and Text Unlimited load variants are still there and are now complemented with more added features, making it the best-value unlimited variant in the market. As you know we continue to strive in providing best value services that cater to all market segments, including small and medium businesses,” he added. Sun’s Wireless Broadband base also grew significantly during the period. “ We are expecting these numbers to rise steadily as we expand the reach of our 3G network nationwide” Lim said. He added that Sun Broadband started offering Group plans, Multi-SIM plans, and SIM-only plans to cater to subscribers who want to use Sun Cellular’s broadband service in their various gadgets, in anticipation of the continuing growing demand for broadband access. “We would like to make sure that our existing and potential subscribers are able to take advantage of the synergies available within the PLDT group, and we are glad that these are starting to pay off,” Lim concluded.


383-g can NESTLE CREAM 1/4 cup lemon or calamansi juice 2 tbsps chopped onions 2 cloves garlic, minced 2 tbsps anchovy fillet, drained and mashed 2 tbsps grated lemon RIZA O. ARES, HRM rind 1 tsp fresh oregano dash of MAGGI SAVOR salt and pepper to taste Combine cream and lemon juice in a blender, let stand for about five minutes. Add in the rest of the ingredients and blend until creamy. Adjust seasonings to taste and serve on assorted salad greens with croutons, grated Parmesan cheese and bacon bits, if desired. Makes two cups of dressing.


170-g can NESTLE CREAM tbsps minced onion tbsp apple cider vinegar tbsp sugar or to taste tbsp Dijon mustard salt and pepper to taste 5 cups lettuce, cut to bite size pieces 1 medium sugarbeet, boiled, peeled and shredded Whisk together first seven ingredients in a bowl. Toss in lettuce and divide into four salad plates. Top each with shredded sugarbeets and serve right away. * Serves 4

in the 1st half of 2012, a 17% system-wide growth compared to the same period last year. It aims to serve a total of 14 million passengers for the full year 2012. Its trademark lowest fares will be made available on new routes, as CEB plans to launch 5 domestic routes in October, and 3 domestic routes and 2 international routes (Hong Kong – Iloilo from page 5 because we want to open and Singapore – Iloilo) in in more strategic locations, November 2012. CEB’s route network in meaning [we want to cater to] the right target markets because after all, Krispy Kreme is a very high-end product,” Ms. Arago said. As i d e f rom Kr i s py Kreme, the Max’s group is also the sole franchisor of Jamba Juice, a Californiabased brand that specializes in fruit-based smoothies and beverages which are marketed for their health benefits.


from page 5


Luzon. Vea says, Sun will continue deploying highgain antennae as well as upgraded network elements to meet the growing demands

brand of service.” CEB flew more than 6.9 million domestic and international passengers

LIFE & Leisure

the Philippines remains the most extensive, allowing foreign and local tourists to visit two to three Philippine tourist spots in one trip. These new routes include Kalibo (Boracay) – Davao and Cebu – Busuanga (Coron). For bookings and inquiries, guests can go to www., or call the reservation hotlines (02) 7020-888 or (032) 230-8888. The latest seat sales can also be found on CEB’s official Twitter and Facebook pages.

from page 8




August 27-30, 2012


Joining you in your festive celebration...Happy Fiesta CAGAYAN DE ORO!

PVB Bldg. Tiano cor. Abejuela Sts.

Motoring 12 Completely new platform for upgraded Kia Sorento August 27-30, 2012



WHEN the new upgraded Kia Sorento CUV goes on sale later this year in most markets, it will incorporate significant changes which include a completely new platform, enhanced powertrains for better fuel economy with lower emissions, improved ride, handling and refinement, additional convenience and safety features, plus a fresh, new look for the exterior. “Since its introduction in 2009, the second-generation Kia Sorento has achieved more than 620,000 sales around the world. This success came after the global sales of almost 900,000 units achieved by the original 2002 Sorento which was a ‘landmark’ vehicle in the history of our brand, starting the process of changing public perception of Kia as a maker of small cars,” commented Thomas Oh, Kia’s Executive Vice President & COO of the International Business Division. “During the last decade, Sorento has earned widespread media and public acclaim and attracted thousands of customers to Kia who had not previously considered our brand. While creating upgraded Sorento

we have given very careful attention to owners’ feedback, and the result is a new Kia model which is not just a cosmetic exercise but represents a major step forwards for our popular CUV,” added Mr. Oh. “Despite the current economic uncertainties in some markets, we are confident that upgraded Sorento with its fresh look and significant improvements will increase Kia’s share of the utility vehicle market, achieving annual global sales of 265,000 units from 2013,” concluded Mr. Oh. To give the upgraded Sorento a fresh look that reflected the new model’s stronger structure, premium quality and enhanced specification, Kia’s design team restyled the upgraded vehicle’s

front and rear, creating larger areas of body-color surface. Careful attention to surface detailing cut aerodynamic drag to Cd 0.34. Kia’s designers developed new front and rear bumpers with vertical-axis fog lights, a new front grille and headlamps with LED positioning lights, and a new tailgate with reshaped LED combination lamps. Depending on model, the Sorento’s profile can be enhanced with new, optional

10-spoke machine finished 19-inch alloy wheels. A new two-part glass panoramic roof with a single powered roller blind shade will be available. • New high-tech features and top quality cabin trim • Enhanced powertrains cut consumption and emissions • Six-speed gearboxes, plus choice of 2WD or 4WD

• Improved on-road performance, retained off-road capability • High safety standards with advanced ‘active’ and ‘passive’ systems • Introducing a fresh new look with premium appeal • New high-tech features and top quality cabin trim Kia’s engineers have implemented a host of NVH (noise, vibration and harshness) reduction measures to ensure that upgraded Sorento boasts

even greater refinement than the previous model, making it one of the quietest vehicles in its class. • Enhanced powertrains cut consumption and emissions • Six-speed gearboxes, plus choice of 2WD or 4WD • Improved on-road performance, retained off-road capability • High safety standards with advanced ‘active’ and ‘passive’ systems

Mitsubishi Motors to roll out Mirage in November GETTING car buyers and enthusiasts’ attention in Mitsubishi Motors Philippines Corp.’s exhibit area at the 4th Philippine In-

ternational Motor Show is the small hatchback model Mirage, which will be introduced in the Philippines in November.

Amid the buzz for the Mirage, which MMPC is positioning as an “eco-car,” the company is already accepting orders from interested buyers, said Froilan Dytianquin, MMPC vice president for marketing. “We intend to deliver once they arrive from Thailand,” Dytianquin told on the sidelines of the PIMS. Those who pre-order shall get an incentive worth P40,000, which can be converted as a discount on genuine accessories or can apply to the down payment,

Dytianquin said. The new Mitsubishi Mirage will start selling at P498,000 for the manual transmission GLX variant. The automatic transmission GLX CVT will be priced at P548,000; the manual GLS variant, P588,000; and the automatic GLS CVT, P638,000. Hikosaburo Shibata, MMPC president and chief executive, told that the company aims to sell 500 units of the Mirage monthly. An initial 1,000 units | Advertising: 09177121424 |

will be imported beginning October in preparation for November’s launch, Shibata said. The value proposition for Mitsubishi’s Mirage, Dytianquin said, is that it’s bigger than a micro car – such as Suzuki’s Celerio, Hyundai’s EON and i10 – and yet competitive in performance and pricing to slightly larger subcompact models – such as Ford’s Fiesta, Honda’s Jazz, Hyundai’s Accent, Toyota’s Vios and Yaris The Mirage can run 21 kilometers for every liter, hence a fuel-efficient alterna-

tive, Dytianquin added. MMPC last carried variants similar to the Mirage in the mid-1990s, such as the 1993 and 1997 editions of the Mitsubishi Lancer, he said.

CAGAYAN DE ORO MAIN BRANCH P & J Lim Bldg., Tiano Brothers – Kalambagohan Sts., Tel. # (08822) 727-829 * Telefax # (088) 856-1947 CAMIGUIN BRANCH B. Aranas St., Poblacion, Mambajao, Camiguin Tel. # (088) 387-0491 CORRALES BRANCH Corrales Ave., Cagayan de Oro City DIVISORIA BRANCH AƩy. Erasmo B. Damasing Bldg., #61 Don A. Velez St., Cagayan de Oro City Tel. # (088) 857-3631 LAPASAN BRANCH Lapasan Hi-way, Cagayan de Oro City Tel. # (088) 231-6739a




August 27-30, 2012




August 27-30, 2012


Viva Senior San Agustin! Greetings from:




Inadlaw’ng Kasayuran ug Kalingawan sa Masa





August 27-30, 2012



August 27-30, 2012