BusinessWeek Mindanao (August 25, 2017)

BusinessWeek MINDANAO CREDIBLE

Volume VIII, No. 34

Market Indicators

As of 6:00 pm August 24, 2017 (thursday)

FOREX

PHISIX

US$1 = P51.00

8,004.96

22

X X Briefly

cents

6.18

points

Rapid growth

FOLLOWING the 6.5-percent gross domestic product (GDP) growth in the second quarter of the year, the Philippines’ economy is expected to sustain its rapid growth towards the end of 2017.

IHS Markit Asia Pacific Chief Economist Rajiv Biswas said the group maintained its forecast that the Philippines would grow 6.4 percent at end-2017 and at 6.3 percent in 2018.

“Over the next 12 months, the GDP growth outlook will be supported by significant increases in infrastructure spending, with total infrastructure spending of P1.13 trillion targeted for 2018, with transport and social infrastructure being key priorities,” Biswas said in an e-mail Thursday.

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New investment seen to boost Armm dev’t www.businessweekmindanao.com

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OTABATO City -- Officials in the Autonomous Region in Muslim Mindanao (Armm) said an investment of P129 million poured in by a terminal services firm as listed by the Regional Board of Investments (RBOI) is seen to boost the Mindanao Economic Corridors strategy for Mindanao Economic Development (MED).

RBOI-Armm last week registered the Bangsamoro Te r m i n a l S e r v i c e s , Incorporated (BTSI) to operate the Polloc Freeport in Parang, Maguindanao.

“This is because Polloc Port provides easy access for bulk cargo in Central Mindanao, par tic ularly

Maguindanao, the landlocked areas of North Cotabato, Sultan Kudarat and the coastal municipalities of Lanao del Sur,” said lawyer Ishak Mastura, regional chair and head of RBOI-Armm.

He said Polloc Port, located in Parang, Maguindanao, is a vital component of

South Central Mindanao Corridor under the Mindanao Development Authority’s (Minda) Economic Development Corridors strategy for economic growth.

The Mindanao Development Corridors is a t hre e-dimensiona l boost/PAGE 11

Gov’t beefs up intel to prevent radicalization of students inside MSU

By MARK FRANCISCO, Staff Writer

AS Mindanao State University (MSU) reopens for the new academic year, the government is strengthening its intelligence assets to avoid radicalism inside the institution’s main campus in battle-torn Marawi City.

In an interview here last Thursday, Marawi City Mayor Majul Gandamra said the local government unit (LGU) has already coordinated with both the military and the

Polloc freeport PORT operator Bangsamoro Terminal Services, Inc. (BTSI) is investing P129 million in the Polloc Freeport and Economic Zone in Maguindanao, which is being positioned by the Autonomous Region in Muslim Mindanao (ARMM) as a halal hub.

BTSI, recently registered with the ARMM-Regional Board of Investments, will seek to improve port operations and cargo access in the central Mindanao area, particularly Maguindanao as well as the provinces of North Cotabato, Sultan Kudarat, and Lanao del Sur. BTSI’s investment is expected to support the Mindanao Economic Corridor strategy, according to Secretary Abul Khayr D. Alonto, Mindanao Development Authority (MinDA) chair.

P15.00

Friday | August 25, 2017

POLICE TRIKE. The Police Regional Office 10 debuts the new police trike to boost its peace and order campaign during its unveiling yesterday at Camp Alagar in Cagayan de Oro City. photo by mark francisco

GenSan to test yet another train from DOST

By MINDANEWS

GENERAL Santos City -After getting the nod of the Department of Science and Technology (DOST) as trial site for its “train-like bus” dubbed hybrid electric road

train (HERT), this city will get another chance to be among the first in the country to test another transport innovation of the agency.

Councilor Dominador

Lagare Jr., chair of the city council’s committee on transportation, said Thursday DOST has offered to deploy in the city by next year the locally designed and developed hybrid electric train/PAGE 11

Philippine National Police (PNP) to make sure that all security measures are in place.

Gandamra also strongly called on the government to regulate madrasahs in Marawi City to prevent the penetration of radicals and spoil the minds of the young students.

“We will not prevent the operation of madrasahs but intel/PAGE 11

Davao Light, Daneco firm up offer to buy TransCo assets

By CARMELITO Q. FRANCISCO, Correspondent

DAVAO CIT Y — Power distributors Davao Light and Power Co. (Davao Light) and the Davao del Norte Electric Cooperative, Inc. (Daneco) have formalized their offer to buy the subt r ans m i ss i on a ss e t s of National Transmission Corp.

(TransCo) in Davao del Norte.

A notice from the Energy Regulator y Commission (ERC) indicates that it has scheduled a hearing on the purchase proposal worth about P4.705 million on Sept.

20 in Davao City. Officials of both distribution entities declined to comment on Buy/PAGE 11

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Congress urged to revisit Juvenile Justice Law THROUGH Resolution No. 12779-2017, the Cagayan de Oro City Council headed by Vice Mayor Raineir Joaquin V. Uy urged Congress to revisit Repulic Act (RA) 9344, otherwise known as the Juvenile Justice Welfare Act of 2006, and for plenary debates to tackle its revision or amendment.

In his special report during the regular session, Councilor Reuben Daba, chair of the committee on social services, cited that the Juvenile Justice Welfare Act of 2006 provides for the age of criminal

responsibility starting at 15 years old and below.

He said the basis for such provision is that of discernment of the child offender or Child in Conflict with the Law (CICL).

According to the councilor, the Internet and the digital platform have bridged the gap or level of maturity of the children in these times with the adults.

It is the position then that except for those who are victims of circumstances or resist/PAGE 11

Economy

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DTI gears up for IDP’s livelihood programs I

By LOU ELLEN ANTONIO, Contributor

LIGAN City -- The Department of Trade and Industry (DTI) has intensified its efforts at providing livelihood programs for the internally displaced persons (IDPs) from Marawi City.

In a recent visit to Sta. Elena Evacuation Center, Undersecretary Zenaida Maglaya of Department of Trade and Industry (DTI) said that “the livelihood assistance is the best help that the government could

provide for the IDPs.” “For them, iba yung pakiramdam na ikaw ay kumikita at alam mong may pera ka para sa mga pangangailanan mo at hindi ka talaga always aasa sa gobyerno. They want the government to help them get back to business”, said Maglaya.

(For them, it is different to earn money and to know that you have something to spend for your daily needs without depending on the

government.)

In a related development, the Provincial Technology and Livelihood Development Center of Lanao del Sur has provided 20 sewing machines for the production of malong by the IDPs. A total of 275 malong were produced and displayed at Kahimunan Trade Fair in SM CDO Downtown Premier, Cagayan de Oro City and at LDS GO Negosyo Center in Camague, Iligan City.

A P5,000 worth of starting kit comprising

clothing and sewing materials was also provided

by DTI. The Task Force Bangon Marawi (TFBM) will provide 100 sewing machines through the DTI. To date, DTI has negotiated with RobinsonsIligan, Gaisano-Iligan and SM Cagayan de Oro to accommodate IDP traders or sellers.

Plans for establishing Little Padian sa Iligan is still going on, as this would provide the IDPs a space for their business.

(LEAntonio PIA-ILGN/ LDN)

RPN Radyo Ronda Stations Nationwide

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The Philippine Institute of Architects hold their yearly exhibit at Centrio in Cagayan de Oro City from August 23 to 24 this year. A total of 34 exhibitors from the construction industry participated in the event. photo by mark francisco

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 Atty. 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) 231-6739 CARMEN BRANCH Vamenta Blvd., Cagayan de Oro City Tel. # (088) 231-2011

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Opinion

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Breaking its cocoon

HOTLINE Businessweek Mindanao Corporation Publisher DANTE M. SUDARIA President/CEO

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What’s your type think a minute

jhan tiafau hurst Think a minute…It’s been said there are two types of people in the world: Those who come into a room and say, ‘Here I am!,’ and those who come in and say, ‘Ah, there you are!’ Two very different approaches. One says, “Look at me! I want attention!” The other says, “Tell me about yourself.” One attitude says, “I’m the important one.”

The other says, “You’re the important one.”

You know, if you want to be the happiest you can be. If you want to live a rich, successful, satisfying life—then live to give and serve others. Dr. Albert Schweitzer said that how happy we are depends on how much we live for others.

In fact, the one word that is the secret to success and the highest level of living is the word “others.”

But if we’d rather have

a small, empty, boring life, then we can think only about ourselves and what we need and want. The problem with this self-centered kind of living is that even though we get and keep everything for ourselves, we’re never completely satisfied or happy; so we don’t make others happy either. Even God Himself said that He did not come into the world to be served, but to serve others— even to the point of giving His own life for our wrongs, since He Himself had no wrongs to die for. Jesus Christ was constantly helping, healing, comforting, counseling, and forgiving others. He lived, died, and came back to life all for others. And even now, He is constantly praying for others, which includes you and me.

Jesus Christ became a human being to show us how to be happy and live successfully by living for others. He explained that it’s only when we give and share our life with others that we ourselves can finally be happy and satisfied.

So this Christmas, why don’t you ask Jesus to forgive you for all your wrongs and living for yourself. Then ask Him to help you start living His right, successful way: to serve, help, and give to others. You‘ll be the happiest one for it.

Just Think a Minute…

Ruffy magbanua FROM consumption-driven to investment-driven.

By and large, this was the gist of Communications Secretary Martin Andanar’s speech before the members of the British Chamber of Commerce in the Philippines (BCCP) and other investors during the Dutertenomics Forum held In Manila last week.

Andanar says in order for the country to break out its cocoon, it needs to engineer a paradigm shift --- from a consumption-driven economy to one that is investmentdriven.

T h at sh i f t mu st b e characterized by massive investments in physical infrastructure and human resources.

Now on the brink of an economic transformation, the country plans to boost infrastructure spending, not just in absolute terms but as a percentage of the gross domestic product (GDP).

In presenting the six-year comprehensive development plan, Andanar explains: “ This ambitious agenda seeks to build infrastructure projects that will integrate major cities and even the islands of our archipelago.”

Bottom line is to promote economic development that is not concentrated in the nation’s capital or its major urban centers -- a strategic move aimed at bringing opportunities to towns and cities far and wide.

“The Philippines continues to grow at a pace that leaves most of Asia. We want to keep it that way,” he adds.

T h e c o u n t r y ’s

economic growth is on the upward trend since 1999.

And b e c aus e of it s resilience, it continues to grow despite major wars in Afghanistan and Iraq, the SARS global epidemic, the oil and food price shocks, as well as political and security challenges in recent years.

Pushing forward the robust economy were the Foreign exchange earnings from overseas Filipino workers (OFWs) and the business process outsourcing (BPO) industry.

These sectors have contributed at least four percent to annual growth, with more than USD50 billion in cash, equivalent to one-fifth of the GDP, being pumped in every year.

With trade relations between the United Kingdom and the Philippines gaining mome ntu m , A nd an ar underscores some significant footholds gained by both countries.

These are the 447-millionBritish pound acquisition of

Whyte and McKay by Andrew Tan in 2014; the 550-millionpound takeover of Quorn Foods by Monde-Nissin Corp. in 2015; and the Philippine Airlines’ USD600 million order with Rolls Royce to outfit six new Airbus units with Trent XWV engines in February last year.

The net foreign direct equity of US$5 billion by the UK was considered as the Philippines’ largest European investment.

It h a s ov e r 1 4 U K companies listed as being in the negotiations to enter the Philippine market.

So far, more than 800 BCCP member companies have expressed interest in expanding into the rapidly developing Philippine economy.

Infrastructure and power sectors, particularly in the area of renewable energy are in the list of BCCP. To achieve inclusive economic growth, the country has to break-free of its cocoon indeed. (ruffy44_ph2000@ yahoo.com)

Possession happens when people disregard the Bible Kakampi mo ang batas

have been receiving these videos in my FB Messenger, purportedly coming from a fellow Church member at the Simbahang Anak ng Diyos Kadugo Ni Kristo (or Children of God Blood Kin of the Christ Church).

Yet, the poor fellow Church memb er is vehement ly denying that the videos came from him. Well, I have chosen Batas Mauricio not to open the videos, not only because the supposed LIFE’S INSPIRATIONS: “… sender is denying it, but more The Spirit clearly says that in so because, in all probability, later times some will abandon the videos contain viruses the faith and follow deceiving that may infect computers. spirits and things taught by My only concern is this: demons…” (1 Timothy 4:1, can’t Facebook Messenger the Holy Bible). do anything to stop this -oooevident scam? In all their WHY CAN’T FACEBOOK technological savvy and A N D M E S S E N G E R expertise---which allowed PREVENT VIDEO SCAMS? it to earn billions and There is someone (or, maybe, billions of dollars for its something) that is causing the makers---it is surprising sending of videos in Facebook and incomprehensible that Messenger using the names Facebook and/or Messenger of FB and Messenger friends. cannot prevent a very simple I say this because, lately, I scam like this.

Are you that helpless in preventing scams, Facebook and Messenger? Or, is it right to assume you are not interested in preventing this particular scam, for your own interests? Just asking...

-ooo PASTORS EXORCISE EVIL SPIRITS IN SOUTH COTABATO JAIL: I am glad about the report, coming from South Cotabato Provincial Jail Warden Juan Lanzaderas, that their prayers to exorcise alleged “evil spirits” that possessed prisoners at their facility seem to have been answered.

Lazaderas told a radio news network that the “prayover” carried out by pastors was successful, resulting in the ouster of the “evil spirits”. Indeed, the truth cannot be denied that there are evil spirits out there, ever ready to pounce on unsuspecting individuals.

The Bible confirms that evil spirits in the air are the real

enemies today, because they purvey sin and godlessness.

-ooo EVIL POSSESSION HAPPENS WHEN PEOPLE NO LONGER READ AND OBEY THE BIBLE: The question, however, is this: how do evil spirits possess the minds and bodies of people? Is the report from the radio news network which attribute the possession of the prisoners at the South Cotabato Provincial Jail--that the spirits allegedly got angry because of the installation of a water pump near their lair---true?

Well, the Bible makes it clear that evil spirits actually are in the air, in the atmosphere, and enter the minds of people who no longer hold true to their faith, who no longer read the Bible and no longer obey God’s commands, and instead listen to deceiving teachings and teachings from evil.

Possession/PAGE 11

Temperance in the digital age hints and traces

roy cimagala We need to tackle this big challenge of our time. How do we live temperance in this very intoxicating and addicting world of the social media and the digital gadgets today? We now are all too familiar with the signs of addiction afflicting people, both young and old.

We know that these

new technologies instantly produce in us a tremendous amount of dopamine that is so difficult to manage, letalone, resist. And these gadgets keep on coming, each time with an improved version, with hardly any manual as to how to use the methically and prudently.

These new technologies are so new and so irresistible that we, even the old ones with a lot of experience in life, do not have any sound and effective guideline as to how to use them properly.

The traditional guidelines do not seem to work well, and in some cases, even tend to aggravate the problem.

The only light that we can see at the end of the tunnel seems to be that some professionals are studying

this issue very closely and are now starting to give out some guiding points, even if only tentatively. Things, of course, are still very much in the wait-and-see and trialand-error stage. But let’s continue hoping and working on this matter.

Many of these experts are saying that it would be wrong if we would just come out too strong in banning or restricting these gadgets especially from the young ones who will always find a way to get hold of these gadgets, thus producing another variety of anomalies related to deception, cheating, hypocrisy and the like.

Having absolute, restrictive and inflexible indications are now all proven to be counter productive.

What seems to work better is to have the soft, friendly approach where everyone, especially the young ones, are closely accompanied and together find practical ways of how to live temperance in the use of these gadgets.

It’s a kind of mentoring and accompaniment that has to be done. But this, of course, would require the necessary dispositions and structures. Family life should be strengthened, for example, and teacher-andstudent and mentor-andmentee relationship should be marked by friendship and confidence.

Ever ything has to be done to facilitate sincerity and openness, especially among the young ones, always temperance/PAGE 11

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Isuzu Philippines support 2017 Transport and Logistics Expo

I

suzu Philippines Corporation (IPC) participates in the 2017 Transport and Logistics Philippines slated on August 17 to 19 at the SMX Convention Center in Pasay City.

For the three-day program, the authority on diesel-powered trucks and utility vehicles will showcase three models from their existing line-up such as the FVM34 with 32-feet Fruehauf Wing Van body, the EXR5IF tractor head and their EXZ5IK tractor head.

Isuzu has been a part of the annual supply hub in the country in 2015.

Since then, they have consistently participated in the event aimed to tap the transport and logistics sector, which is the market for their light, medium and up to heavy-duty trucks.

This year, IPC participated as one of the major sponsors for the expo, making it their second time to extend partnership since started

joining the event in 2015.

IPC President Hajime Koso underscored the growth of economy in the increasing numbers of industry players. “The rise of both the conventional market and e-commerce has produced exciting numbers for budding and established industry players,” Koso said.

“Such results would lead to the further development of the transport and logistics center, making all stakeholders benefit from this,” he added.

Further, the IPC chief said that they are looking forward that the event would continue for the years to come and vowed to be part of the transport and logistics expo as it is a great avenue to all concerned stakeholders where possible clienteles meet.

“Events like these provide the much-needed assistance to the buyers, an additional boost on opportunities for industry giants and level the

playing field for the new entrants,” he explained.

The 2017 Transport and Logistics Philippines is a trade show for

supply chain solutions, and has been growing steadily as the needs of the market continuously increases. Buyers can keep

themselves up-to-date on the latest products, equipment, and solutions that is set to keep their businesses ahead of the

competition.

To get the more details on Isuzu’s diesel-powered truck line-up, log at www. isuzuphil.com.

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CorporateWorld PAL to offer more domestic Largest hotel in M’nao routes, frequencies to rise in Davao City

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OUBLEDRAGON Properties Corp. will be bringing Hotel 101 in Davao City, making it the largest hotel in Mindanao.

In a disclosure with the Philippine Stock Exchange Tuesday, DoubleDragon said the hotel would have a total of 519 rooms, a commercial and retail strip, and convention facilities.

“The subsidiary of

DoubleDragon Properties Corp. today signs a joint venture agreement with Davao-based W2JP2 Corp. to build Hotel 101-Davao City in a 5,300-square meter prime commercial lot located at Eco West Drive at the side of SM City-Davao,” DoubleDragon Chairman Edgar Injap Sia II said.

DoubleDragon eyes to start the construction of Hotel 101-Davao City by

the fourth quarter of 2017 and completing it by 2020.

The project is an addition to Hotel 101-Manila in Pasay City and Hotel 101-Fort in Taguig City.

DoubleDragon targets to build 5,000 hotel rooms by 2020.

Last year, the company acquired majority stake in Hotel of Asia, Inc. -- a joint venture of Injap Investments, Inc.,

THE (DAR) has signed a deal with Aboitiz Equity Ventures Inc.’s (AEV) food business unit Pilmico for the implementation of a community-based partnership under the Public-Private Partnership (PPP) initiative of the government.

Under the agreement, Pilmico and the Aboitiz Foundation will provide livelihood packages as well as technical training to select Agrarian Reform Beneficiaries of DAR.

Livelihood packages include piglet dispersal, egg machines, and bakery starter kits which will enable local farmers to sustain their livelihoods through an easy-to-manage business with a quick return of investment.

“We go around the country to promote backyard farming because we believe in the potential of our Filipino farmers to be a successful partner for growth. Through

our partnership with DAR, we hope to enable more Filipino farmers to develop sustainable livelihoods in the years to come,” Pilmico President and Chief Executive Officer Sabin M. Aboitiz said on Tuesday.

For its part, DAR shall provide microfinance services to farmers in the form of loans, savings, and insurance to help them gain collateral for their agri-business.

The livelihood

FLAG carrier Philippine Airlines will expand its domestic routes and frequencies beginning Oct. 1 until Dec. 15, 2017, the Chan C. Bros. Holdings, airline said Wednesday.

Inc., and Staniel Realty Passengers can look Development Corp. forward to more inter “We envision Hotel regional connections to 101 to become the largest Clark, Davao and Cebu. and most recognized hotel PAL President and chain in the Philippines, Chief Operations Officer significantly contributing Jaime Bautista said the to the recurring income of new offers aim to ensure DoubleDragon, and at the connectivity of Filipino same time providing the and foreign travelers to market with an innovative, various regions in the safe and secure investment country. platform,” he added.

Starting Oct. 1, (PNA) passengers can access central and northern Luzon via flights between Clark and Basco. This will be available four times weekly.

PR2688 will operate every Monday, Wednesday, Friday, Sunday, departing packages is part of Clark at 11:45 a.m. and Pilmico’s flagship arriving Basco at 1:30 p.m. corporate social pilmico/PAGE 11 Return flight PR 2689

DAR signs agro-entrepreneurship deal with Aboitiz food unit Pilmico

leaves Basco at 2 p.m. on the same days and touches down in Clark at 3:45 p.m.

Also on Oct. 1, PAL will operate additional daily Clark-Busuanga and Clark-Caticlan flights.

The airline will offer additional connections within Mindanao starting November 1. Aside from enhancing the Davao-Tagbilaran route, passengers can look forward to Davao-Cagayan De Oro and DavaoZamboanga routes PR2372 departs Davao four times weekly (Mondays/Wednesdays/ Fridays/Sundays) at 12:05 p.m. and arrives in Tagbilaran at 1:20 p.m.

Return flight PR2373 leaves Tagbilaran on the same days at 1:50 p.m. and touches down in Davao at 3:05 p.m.

PR2591 departs Davao thrice weekly (Tuesdays/ domestic/PAGE 11

ACE Hardware elevated to PRA’s Hall of Fame

ACE Hardware Philippines was elevated to the Hall of Fame in the Home Improvement Category during the Philippine Retailers Association’s 20th Outstanding Filipino Retailers and Shopping Centers Awards held recently at the Grand Ballroom of Solaire Resort and Casino. In the photo, ACE Hardware Philippines VP for Merchandising and Operations Bernard Ong (2nd from left) and ACE SVP- Operations Bernard Lim receive the award from PRA Chairman Lorenzo Formoso and Vice Chairman Roberto Claudio (4th from left).

ACE Hardware, the one stop shop for the latest home improvement solutions, was recently elevated to the Hall of Fame in the Foreign Brand Retailer – Home Improvement Category during the Philippine Retailer's Association's 20th Outstanding Filipino Retailers & Shopping Centers of the Year Awards at the Grand Ballroom of Solaire Resort and Casino.

ACE Hardware, one of the leading hardware stores in the United States, opened its first franchise in the Philippines at SM Southmall, Las Piñas in 1997. Since then, it has grown to become one

of the country's leading home hardware chains with more than 150 ACE Hardware branches nationwide and still growing.

ACE Hardware carries a wide range of hardware products and power tools, electrical and plumbing equipment, paints and sundries, building materials, outdoor equipment, and items for the car and the house. It also has a lawn and garden section for gardening needs and a pet section for the animal lovers.

This is the third- time ACE has been honored with a PRA Award, thus elevating it into Hall of Fame status.

Others include the OFR-

Category Killer Award in 2013 and OFR-Best Home Improvement Center Award in 2015.

Philippine Retailers Association has over 400 member companies, covering a wide scope of the distribution chain, in its fold — from retailers, mall and shopping center operators to traders/ suppliers, manufacturers, distributors, and wholesalers, among others.

PRA’s annual search for the Outstanding Filipino Retailers seeks to recognize Filipino retailers who have epitomized the model of a successful retailer in terms of growth and good ethical business practices.

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FDC Misamis continues MisOr livelihood partnership:

Rice duck farming seen to address malnutrition and unemployment

T

he Integrated Rice Duck Farming (IRDF) in the northern part of Misamis Oriental (MisOr), tagged as “Itikan sa Kalambuan”, is already on its second phase and is fully supported by the Gotianun-led power firm, FDC Misamis Power Corporation (FDC Misamis) through its corporate social responsibility (CSR) team.

Upon its initial launching in 2016, it had 11 householdbeneficiaries. A total of 11 hectares of rice farms were devoted to IRDF in the localities of Claveria, Jasaan, Villanueva and Tagoloan. Each householdbeneficiary were given 150 heads of native ducks per hectare.

Misamis Oriental Governor Yevgeny “Bambi” Emano is optimistic that IRDF will thrive faster addressing malnutrition and unemployment.

“IRDF is a smart farming method recognized by its positive social and economic results,” the governor stressed.

GRASS ROOTS IMPACT Apollo Pacamalan,

executive director of Rice-Duck Movement, Inc. (RDMI), the group commissioned by the provincial government of MisOr to capacitate farmers who are willing to engage in IRDF, said assessment showed that after 3 to 4 months after the program was launched last year, each beneficiary’s rice yield shoot up by 7 percent, with an overall economic gain of 48 percent.

Then, while waiting to harvest their organic “palay,” farmers can earn from duck eggs an additional net income of as much as P150 to P200 per household per day.

“We’re not only addressing the economic needs of the farmers but also the protein requirements of the human body, because each household consumes 4 to 8 pieces of duck eggs a day,” said Pacamalan.

These positive outcomes paved the way for the second phase of the project with the aim to expand its reach. This was made possible through the assistance of FDC Misamis who has been supporting the program since its inception.

For IRDF’s second

Improving Math Skills of students using 2 P’s (Patience and Practices) SUSAN BERRO LLOREN Math Teacher/SST III Cagayan de Oro Nat’l H.S.

Indeed, the important role that a teacher plays to improve Math performance is a tough and challenging task. Primarily, Math is a difficult subject. Secondly, not every student likes Math. Observing students’ unwelcoming faces and piercing eyes towards my direction especially when they are guided to crossroads of equations where they don’t know how to start looking for the x value is a feeling of struggle to really dislike Math. Generally, to a math teacher, it is incredibly a hard start.

My teaching experiences h ave prov i d e d me a momentum of patience and eventually generated new practices year after y e a r. A l s o, w i t h t h e prior knowledge my students have, exploring new possibility simply determines to bring out more patience from me and good ambiance of acceptance that each student is uniquely different. One hour session is too short to recall; mastering and connecting divergent ideas.

Practice once. Practice

twice. Practice more posing challenging and interesting questions; and projecting a positive attitude about their ability to do. Encourage students to conquer their fear of making mistakes.

There is no harm in trying b e c au s e Mat h e m at i c s is not a magical world.

There are real numbers around and it is safe to try answering questions, making representations and mistakes because there can be no success if it is not challenged with failure.

In today’s world, higher level of student engagement is a necessity to increase the student’s performance.

The patience to find good combination of linkages and carefully plan how to execute the right practices is nearly impossible to attain, but as the saying goes “ no size fits all feet”, the challenge is always inside the classroom. Find ways.

Maximize the strength of the students. Involve them.

Find the right avenue how to practice, practice, practice!

Finding the right practice needs patience for multiple learning opportunities to take place.

phase, the power firm gave more than half a million pesos. The said amount will be used for IRDF’s expansion in Villanueva and Tagoloan.

“We will target 30 households this year, from the 11 last year,” Pacamalan said.

The turnover of financial assistance to the RDMI management was held last July 28 at the Balacanas covered court.

Farming/PAGE 9

FINANCIAL ASSISTANCE TO FARMERS. FDC Misamis turnovers the financial assistance for the second phase of the “Itikan sa Kalambuan” program to the management of the Rice-Duck Movement, Inc. (RDMI). (L-R) RDMI Executive Director Apollo Pacamalan, Villanueva Vice-Mayor Edwin Dagasuhan, FDC Utilities, Inc.’s Corporate Communications and External Affairs Manager Wilford Wong and CSR Officer Mirabel Perez, MisOrCares Provincial Coordinator Maryden Ocot, MisOr Provincial Veterinary Dr. Benjamin Resma, Balacanas Brgy. Chairwoman Nila Pagaling and Tambobong Brgy. Chairman Regene Ello.

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Officers of the PICPA Mindanao Geographical Area led by Amanoding Esmail are inducted into office by PICPA national president Atty. Zenaida Alcantara. photo by ercel maandig

Mindanao accountants hold yearly convention in Oro

By MARK FRANCISCO

THE Philippine Institute of Certified Public Accountants (PICPA) held the 25th Mindanao Geographical Area Conference and 36th Association of CPAs in Mindanao Conference last Monday and Tuesday at Limketkai Luxe Hotel in Cagayan de Oro City.

Hosted by the PICPA Cagayan de Oro-Misamis Oriental chapter and chaired by the indefatigable Raymundo Talimio Jr., the conference was festive in nature from the start, defying misconceptions that Mindanao is an economically unviable place.

This showed in the timely theme of this year’s convention which is Shine Mindanao. Talimio said they were overwhelmed that more than 800 participants joined in this two-day convention when they were expecting only around 500.

“It just shows that we are strong and resilient through trying times…that the Marawi crisis has

given us even more resolve to help build our economy in Mindanao stronger,” he said.

During the two-day event, the accountants also discussed in thorough the proposed tax reform package now under discussion in Congress and how it would affect the accounting sector and the respective businesses they represent. The tax reform package was discussed by Tax Management Association of the Philippines president Ma. Lourdes Lim. Talimio was also happy during the first day of the event after guest speaker Mindanao Development Authority (MinDA) chair Abu Khayr Alonto promised to tap accountants in the agency’s various economic projects of Mindanao.

The technical sessions of the two-day event formed part of the continuing education for accountants as mandated by the Professional Regulation Commission (PRC). Aside from

the tax reform package, there were discussions on the Board of Accountancy updates, cooperative updates, PFRS updates, strategic management accounting, fraud detection and forensic accounting.

“We are strong and we will stand united to make our island reach her full potential, to be the change we want to see, to be a beacon of light for all peoples of Mindanao,” Talimio said.

For his part, PICPA senior regional director for Northern Mindanao Amanoding Esmail said that the conference offered “proven strategies, tools and resources to help your clients increase efficiencies, improve financial controls, streamline regulatory compliance and make transactions manageable. It is also organized mainly to examine opportunities and challenges surrounding the roadmap for Mindanao development. It likewise highlights the speeches of subject experts, lawmakers and industry representatives as well as focused panel discussion on relevant topics.”

Farming...

pieces per month.

Wit h such quant ity, Emano said he is inspired to give focus on IRDF and expand it up to the whole province to make MisOr the “Balut Capital” of Mindanao.

Pa c ama l an supp or ts Emano in his goal. He said, “we really want to help Governor Emano in his mission to make rice farmers in the province social entrepreneurs through IRDF.” Pacamalan explained, quantitatively, if a certain household has 300 ducks, then it could earn as much as P12,000.00 to P16,000.00 per month from duck eggs alone.

W hat if t hey have 500 ducks? A household, therefore, could earn as much as P20,000.00 to P25,000.00, Pacamalan computed.

P U B L I C P R I VA T E PARTNERSHIP The provincial g o v e r n m e nt o f M i s O r has allotted funds for the

sustenance of IRDF until next year, but its success still relays on the support from the private sector.

Juan Eugenio L. Roxas, executive vice president of FDC Utilities, Inc. and head of FDC Misamis, said they hope to inspire other entities to support the program.

“Our commit ment t o h e l p c o nt r i b u t e t o the improvement of our neighboring communities is manifested through the “It i k a n sa Ka la mbua n” program aiming to provide sustainable livelihood. Its ef fe c t s a re rema rk able a n d we nt b e y on d ou r expectations. It did not only lessen the poverty incidence in the province but likewise provided opportunity to small farmers in becoming social entrepreneurs. We hope the program’s significant impact would motivate other private institutions to be part of IRDF fortifying its success.”

from page 7

Wilford Wong, corporate communications and external affairs manager of FDC Utilities, Inc., who represented FDC Misamis during the event, expressed his full support and excitement. “ I R D F ’s f a r m i n g technology supersedes the traditional rice farming and has been proven to be beneficial in the whole province, thus, we at FDC Misamis, wants to ensure its successful implementation,” Wong said.

SOCIAL ENTREPRENEURS Emano said with IRDF, a lot has already noticed the potential of duck eggs for “balut” and “itlog na pula” business.

He bared that Misamis Oriental, Misamis Occidental, Bukidnon and Camiguin provinces consume 500,000 pieces of “balut” and “itlog na pula” per week or 2 million

EXTRA-JUDICIAL SETTLEMENT WITH A DEED OF ABSOLUTE SALE OF A PARCEL OF LAND Notice is hereby given that the intestate estate of deceased ROLDAN F. VELEZ, SR. who died on October 07, 2009 at Sabal Hospital, Cagayan de Oro City at the time of his death, left a parcel of land situated in Gimangpang, Initao, Misamis Oriental; Original Certificate of Title No. P-38482, Lot no. 6347, CAD 365, Lot no.

3681-D, CSD-10-018095; ROLDAN F. VELEZ, SR. is the subject of Extra-Judicial settlement with a Deed of absolute sale of a parcel of land; is made and entered; represented by his wife, ELSA M. VELEZ (widow), and their legitimate children, namely: VELMA VELEZ VARGAS (married), ROEL M. VELEZ (married), all of legal age, Filipino citizen, with residence and postal address at Blk. 9, Lot 3, Masterson’s Avenue, Vista Verde Village, Pueblo de Oro, Upper Canitoan, Cagayan de Oro City, and ROLDAN M. VELEZ, JR. (married), Filipino citizen, with residence and postal address at Gimangpang, Initao, Misamis Oriental, hereinafter referred to as the HEIRS/SELLERS; and ROLDAN M. VELEZ. JR., likewise of legal age, Filipino citizen, married to EULLY O. VELEZ, with residence and postal address at Gimangpang, Initao Misamis Oriental, hereinafter referred to as the BUYER/VENDEE; That for and in consideration of the sum of FOUR HUNDRED THOUSAND PESOS (PHP 400,000.00) Philippine Currency receipt of said amount is hereby acknowledge by the SELLER/VENDOR after the amount is paid in hand by the BUYER/S or VENDEE/S the SELLER/S or VENDER/S hereby SELL, CEDE, TRANSFER and CONVEY the above-described properties containing an area of ONE THOUSAND SIX (1,006) SQUARE METERS, more or less in favor of theBUYER/S or VENDEE/S his/her heirs, assigns or successors-in-interest, free from any liens and and encumbrances, free from any third-party claimant whomsoever and the same is non-tenanted; Containing an area of ONE THOUSAND SIX (1,006) SQUARE METERS, more or less.

Under notary public of ATTY. EMELITO J. MARQUINO; Per Doc. No. 330; Page no. 66; Book no. XIII; Series of 2017.

BWM: Aug. 18, 25 & Sept. 1, 2017

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Primavera, SM City Hold First Grand Meet for NorMin Real Estate Practitioners “We believe that developers and real estate practitioners should continuously work hand in hand together. By fully supporting initiatives on COREB-PAREB, we as developers also contribute to the development of the real estate industry across the Northern Mindanao region,” expressed Ms. Clara Marie G. Elizaga, Vice President for Sales and Marketing of Italpinas Development Corporation (IDC).

In partnership with IDC, the developer of

Primavera projects in Uptown Cagayan de Oro and SM City, the Philippine Association of Real Estate Boards, Inc.- Cagayan de Oro Real Estate Brokers (PAREBCOREB) successfully conducted the firstever gathering of real estate practitioners in the region, held at SM Uptown in this city last August 19, 2017.

“The grand meet is a gathering of all real estate practitioners in northern Mindanao. This big event really helps them in expanding their network and to be more profound on the updates about the RESA Law,” said Ms. Lolit Alon, COREB President.

National Director of PAREB, Shim Suan, took the chance to remind

all practitioners to be part of PAREB as it is the Philippines’ first and largest real estate service organization. He also mentioned and even encouraged the audience to diligently practice their profession based on the RESA Awareness Service Act (RA 9646).

Jose P. Leviste, II, Primo Consigliere of IDC, in his special message, congratulated Cagayan de Oro for its consistent ranking in the Philippine’ Top 10 Competitive Cities.

He shared IDC’s story that before it was the only condominium developer who had the confidence to invest in the city, but now, more companies and businesses are coming in and believing in the city’s potential.

MASA, Primavera, Various Groups Spearhead Community Outreach More than 100 residents at Brgy. Batinay in Lumbia, Cagayan de Oro enjoyed free massage and haircut.

Some of them who are senior citizens were given free eyeglasses, while the children were provided with free meals. This Initiative was made possible by MASA Foundation in collaboration with Primavera City, Department of Social Welfare and Development and other organizations, last August 10, 2017.

“When assistance comes from the heart, it goes a long way.

Participating in a worthwhile activity like this means a lot us and to

the people we are helping.

Because of that, we are glad that we are able to partner with MASA Foundation and other organizations for this successful community event.” said Clara Elizaga, Vice President for Sales and Marketing of Italpinas Development Corporation, the developer of Primavera City.

Airen Aim Pelonio, staff of IDC, also gave thanks to the participating organizations who made the activity possible. “We are hoping that we will be partnering more with MASA and other groups who share the same goals with us.” she added. outreach/PAGE 11

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Boost... from page 1

development strateg y that aims to increase the competitiveness of Mindanao industries by providing them with common service facilities.

It also aims to achieve physical integration among key economic clusters in Mindanao in its bid to become self-reliant and internally dependable.

Mastura said the program will also prepare the islandreg ion towards gre ater economic cooperation with the BIMP-EAGA and other member countries of Asean Economic Community.

Cargo handling company in Polloc Port was previously under the PTC Mindanao Port Services, Inc. (PTCMPSI) which was later sold to Lamsan Holdings Corporation.

In 2015, Lamsan took over the management after acquiring 100 percent of its shares of stocks including the Cargo Handling Contract with the Regional Ports Authority (RPA).

B T S I a l s o p r ov i d e s trucking services to shippers utilizing the Polloc Freeport.

At present, the company employs 232 workers. (PNA)

Intel... from page 1

we will regulate and monitor them. This is to ensure that our children will really be guided with core Islamic values and not be swayed by extremism,” he said during the sideline of a PNP deputy director visit at Camp Alagar in Cagayan de Oro City.

In the Philippines and in other countries with Muslim populations, a madrasah operates as a school for the study of Islamic religion.

It complements its own elementary and secondary curriculum with approval from the Department of Education (DepEd).

But Gandamra said he wants to vet all individuals and groups who are interested to put up or reopen existing madrasahs, brief them on the dangers of radicalism and institute measures so it would be prevented.

“This will form part of the rehabilitation of Marawi City,” he said.

As for MSU, Gandamra said the intelligence community in the military and PNP are working round the clock to prevent the entry of radicalization inside the university which has started its classes last Monday.

Train... from page 1

train (HET).

He said the agency’s officials made the offer after they personally conducted a survey and ocular inspection of potential routes in the city three weeks ago.

They specifically found the area from Barangays Tinagacan to Lagao here as ideal site for the HET, he said.

The proposed site, which also covers portions of Barangay Katangawan, is

traversed by the General Santos-Davao highway.

“The area extends like a straight line and they found it perfect for the construction of a railroad for the electric train,” Lagare said.

He said the preparatory works for the project could start as early as January next year based on their initial discussions with D OST officials.

The DOST introduced and initially tested last year the five-car HET, which runs from 60 to 80 kilometers per hour, on a stretch of tracks of the Philippine National Railways in Manila and Laguna.

Developed by the DOST’s Metals Industry Research and Development Center, the HET was among the research and development projects pursued by the agency to address traffic congestion in urban areas.

The agency acquired the bogie for the train from Korean company Sung Shin Rolling Stock Technology Co., Ltd., but the train’s body, parts, accessories and equipment were fabricated and built by local companies.

Meantime, Lagare said the DOST has started the process for the transport of the HERT from Cebu to this city.

“The bidding is currently ongoing for the transport of the road train that would cost P1.6 million,” he said.

T he H E RT h a s ju st completed its six-month test-run in Cebu City and will undergo another trial run for five to six months here starting October.

The road train, which was launched by DOST in 2015, was designed by Filipino engineers and made with locally available parts, an agency briefer said.

It can run at a maximum speed of 50 kph and is mainly powered by hybrid diesel fuel and electric-powered battery. It was designed as energy-efficient vehicle and does not need electricity and suspended cables to operate.

Lagare said the HERT’s route will cover portions of the national highway from Barangay Tinagacan to the city fishport complex in Barangay Tambler.

He said it could eventually cover other routes within the city’s downtown area and other barangays.

“We will be the first to deploy the road train commercially so the DOST is making the city as showcase area for this technology,” he added. (MindaNews)

Buy...

from page 1 their proposal pending the hearing.

Davao Light and Daneco are offering to buy the BingcunganMadaum 69-kilovolt line and Bingcungan-Tagum 69-kilovolt line of TransCo. The hearing, based on the ERC notice, will tackle compliance of requirements, including the presentation of facts for the sale.

TransCo and the Davao Light-Daneco partnership

completed the contract for the sale on March 16, 2012, about four months after the start of negotiations.

The government t r a n s m i s s i on c omp a ny initiated the sale after the ERC, on July 16, 2011, issued a resolution amending its rules on the sale of TransCo’s sub-transmission assets.

The partnership between Davao Light, a unit of Aboitiz Power Corp., and Daneco dates back to 2011.

The two utilities both serve the province of Davao del Nor te, wit h D avao Light covering the towns of Carmen, Dujali and Sto. Tomas as well as Panabo City, while Daneco handles the rest of the municipalities and the neighboring province of Compostela Valley. They jointly provide power to the Island Garden City of Samal.

Resist... from page 2

c o e rc e d by p are nt s or guardians to commit crimes, the prevalence of crimes committed by minor offenders today indicate their changing psychological behavior which prove their capacity to understand things even in their tender years, he added.

Daba said law enforcers are helpless in controlling crimes committed by them and c an not e f fe c t ively respond to calls for assistance.

T he or ig ina l age of criminal responsibility in the original legislation is 12 years old. It was observed that acts which are inherently wrong can be perceived by child offenders starting from 12 years old, he cited.

It was learned that there is a pending measure in Congress seeking to lower the minimum age of criminal responsibility to nine years old.

However, councilor Daba said this should be modified to 12 years old as this is the appropriate age in which it is now generally held that they are equipped with the capacity to understand things.

The modification or lowering the age of criminal responsibility to 12 years old should only refer to heinous crimes and not to non-heinous crimes or misdemeanors, Daba said.

Possession... from page 4

How then do ordinary individuals fight this off? By getting a daily dose of God’s “bread and wine”, that’s how.

This means that each and Publication Notice

Domestic...

11

every person must read the Meanwhile, starting Dec. Word of God, the Bible, daily, 15, those in Central Luzon from page 6 meditate on it day and night, can have direct links to and carefully obey everything Thursdays/Saturdays) at Visayas via Clark-Bacolod that is written in it. That 12:05 p.m. and arrives in and Clark-Tagbilaran flights. way, it would be the Spirit Zamboanga at 1:25 p.m.; PR859 will operate four of God who will come into return flight PR2592 leaves times weekly (Mondays/ their minds, to guide them, Zamboanga on the same We d n e s d a y s / F r i d a y s / bless them, and give them days at 1:55 p.m. and touches Sundays), departing Clark protection from all evil. Try down in Davao at 3:15PM. at 7 a.m. and arriving in it!

PR2315, on the other Bacolod at 8:15 a.m. Return -ooohand, departs Cagayan de flight PR860 leaves Bacolod WATCH “ANG TANGING Oro daily at 10:40 a.m. and on the same days at 8:45 DAAN” AT FACEBOOK: arrives in Davao at 11:35 a.m. and touches down in “Ang Tanging Daan” is a a.m. Return flight PR2316 Clark at 10:00 a.m.

Bible exposition and prayer leaves Davao daily at 3:45 PR2871 departs Clark session for everyone, in p.m. and touches down daily at 3 p.m. and arrives English and Filipino, 24/7, Cagayan de Oro at 4:40 p.m. in Tagbilaran at 4:20 p.m. worldwide, that can be viewed PAL will start offering Return flight PR2872 leaves at w w w. f a c e b o o k . c om / e n h a n c e d c o n n e c t i o n s Tagbilaran daily at 6:40 a.m. angtangingdaan. Reactions: between central Visayas and touches down in Clark 0917 984 24 68, 0918 574 and northern Mindanao at 8 a.m.

0193, 0977 805 9058. Email: and in S outhern Luzon PAL said it will also link batasmauricio@yahoo.com. via Cebu-Ozamis, Cebu- Clark to Cagayan De Oro Siargao, Cebu-Camiguin starting Dec. 15. PR833 takes and Cebu-Legaspi flights off from Clark at 6:30 a.m. from page 4 every Tuesday, Thursday, on Dec. 1.. reassuring them that they Departures from Cebu Saturday and arrives in will always be understood via PR 2893 will be at 7:30 Cagayan De Oro at 8:10 and helped no matter what a.m. and will arrive in a.m. Return flight PR834 mistakes they make. And the Ozamiz at 8:30 a.m. PR2894 departs on the same days at guides and mentors should departs Ozamiz at 9 a.m. 8:50 a.m. and touches down try their best to becompetent. and arrives in Cebu at 10 at 10:30 a.m. (PR/PNA) There obviously is need a.m. for some restrictions and PR 2373 leaves Cebu limitations, but these should at 10:30 a.m. and arrives from page 10 be monitored closely to see in Siargao at 11:30 a.m.; MASA Foundation has if the they are producing PR2374 departs at 12 noon been active in conducting favorable results. Otherwise, and touches down in Cebu community services since 2012. Mr. Roland Delfin, who we have to make some at 1 p.m. revisions and adjustments. PR 2929 leaves Cebu at founded the organization, Ye s , it’s a d i f fe re nt 11:20 a.m. and arrives in said that MASA is mainly ballgame this time on how Camiguin at 12:10 p.m.; funded through the earnings to develop temperance in PR2930 departs at 12:30 of his business and is having this dizzying digital age. p.m. and touches down in no formal sponsorships outside. This is why, the At the moment, we are still Cebu at 1:20 p.m. grappling with the novelty For Cebu-Legaspi flights, valued clients of his business of the phenomenon, but departures will be at 1:30 play a big role in all of the hopefully if we persist with p.m. and arrivals at 2:40 organization’s community hope and practical sense, we p.m. Return flights leave services. can manage to come out with at 3:10 p.m. and will touch IDC has been actively supp or t i ng c ommunit y guidelines that are effective. down at 4:20 p.m.

For one, we need to loosen T h e r e w i l l a l s o b e programs for the past eight up and try to re-evaluate addit iona l d ai ly C ebu- (8) years, partnering with the traditional concepts and Caticlan flights starting various civic organizations ways of developing and living Dec. 1, according to PAL. and foundations. temperance. Of course, we Publication Notice should not junk the traditional Republic of the Philippines Province of Misamis Oriental ones altogether, but we need Municipality of lnitao to update them and to try -o0oexploring the innovative ones NOTICE TO THE PUBLIC that in the end should be an organic extension of the CCE - 0028-2017 R.A. 10172 August 23, 2017 traditional.

In Compliance with the publication requirement and pursuant to OCRG roycimagala@gmail.com.

Memorandum Circular No. 2013-1 Guidelines in the Implementation of the Ad-

Temperance...

Outreach...

Pilmico... from page 6

responsibility advocacy, Mahalin Pagkaing Atin, a campaign introduced in mid2014 that aims to promote sustainable entrepreneurship through promotion of local produce.

Pilmico Foods Corporation is the integrated agribusiness and food company of AEV comprised of five divisions including Flour, Feeds, Farms, Animal Health, and Trading.

Republic of the Philippines Province of Misamis Oriental Municipality of lnitao -o0oNOTICE TO THE PUBLIC

CFN 0003-2017

August 22, 2017

In Compliance with the publication requirement and pursuant to OCRG Memorandum Circular No. 2013-1 Guidelines in the Implementation of the Administrative Order No. 1 Series of 2012 (IRR on R.A.10172), Notice is hereby served to the public that LORENZO JR. B. CAMELLO has filed with this Office, a petition for change of first name from “GLICERIO” to “EDWIN” and correction of entry in sex from “ “ to “ “ or correction of entry in the date of birth from “ “ to “ “ in the certificate of live birth of GLICERIO EGOS CAMILLO at lnitao, Misamis Oriental and whose parents are JUAN JR. CAMILLO and LEONILA EGOS.

Any person adversely affected by said petition may file his written opposition with this Office not later than September 15, 2017.

(SGD.) ISAIAS A. JARALES

Municipal Civil Registrar BWM: Aug. 25 & Sept. 1, 2017

ministrative Order No. 1 Series of 2012 (1RR on R.A.10172), Notice is hereby served to the public that GLORY MAE T. COLLANO has filed with this Office, a petition for change of first name from “ “ to “ “ and correction of entry in sex from “MALE” to “FEMALE” or correction of entry in the date of birth from “ “ to “ “ in the certificate of live birth of GLORY MAE TACBOBO COLLANO at lnitao, Misamis Oriental and whose parents are MARIANO O. COLLANO and AIDA L. TACBOBO.

Any person adversely affected by said petition may file his written opposition with this Office not later than September 15, 2017.

(SGD.) ISAIAS A. JARALES

Municipal Civil Registrar BWM: Aug. 25 & Sept. 1, 2017

12 HAPPY FIESTA TO THE PEOPLE OF CAGAYAN DE ORO! VIVA SEÑOR SAN AUGUSTINE!

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August 27-28, 2017

Greetings from:

Heart Evangelista-Escudero Actress A proud member of Member: PDIC. Maximum Deposit Insurance for Each Depositor P500,000 Veterans Bank is regulated by the Bangko Sentral ng Pilipinas.