AG Finance, Inc.

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AG Finance, Incorporated (AGF) was established on December 14, 2001 primarily to operate as a financing company and provide short-term, unsecured credit facilities to permanent rank and file employees of medium-sized companies in the Philippines. In 2003, AGF expanded its market coverage to include professionals and skilled workers in North America and the Middle East.AGF’s customer profile includes professional and skilled workers bound for deployment overseas needing immediate funds to support their various needs in their country of deployment, excluding legal and placement fees, and regularized employees of medium-sized commercial enterprises based in the Philippines. The products come in the form of salary loans ranging from P10,000 to P50,000 payable over a term of 12 months via salary deduction arrangement and OFW loans worth P50,000 and up payable over a term of 12 to 18 months via post-dated checks. OFW loans accounted for 89% of the Company’s total loan portfolio for 2014.

Board of Directors

CurrentPrevious

Name	Position
Michael C. Cosiquien Michael is currently the Chairman of ISOC Holdings, Inc. He is currently a Director of Megawide Construction Corp. He served as the Chairman and the Chief Executive Officer of Megawide Construction Corp. He has provided superior leadership in all aspects of the business as Chief Executive Officer of Megawide. Mr. Cosiquien hold a degree in Civil Engineering from the De La Salle University, and is a licensed Civil Engineer with over 20 years of professional engineering experience.	Chairman/President
Jesus G. Chua, Jr. He is currently the President of ISOC Holdings, Inc. He served as the Chief Strategy officer for Megawide Construction Corp. He has served as Head of Southeast Asia Investment Banking at MUFG Financial Group, Singapore and has held senior roles at ABN AMRO/RBS in Hongkong, HSBC in New York. Mr. Chua graduated with an MBA from Harvard University and has studied at Stanford University and De La Salle University prior to that.	Director
Irving C. Cosiquien He is currently a Director of ISOC Holdings, Inc. He served as Director and is currently the Treasurer of Megawide Construction Corp. He is Corporate Secretary at United Pacific Rise Corp. and has served as the General Manager of Megapolitan Marketing, Inc. He obtained his Bachelor of Science degree in Industrial Psychology from De La Salle University.	Director
Yerik C. Cosiquien He is currently a Director of ISOC Holdings, Inc. He serves as Director and Corporate Secretary of Megawide Construction Corp. He is also the General Manger of Cosmo Fortune Corp. and Senior Vice President of United Pacific Rise Corp. He is a Pyschology and Economics graduate from University of British Columbia.	Director
Michelle Joan G. Tan Michelle Tan is currently a sub-contractor of Megawide Construction Corporation, one of the prestigious construction companies in our land today, for almost 6 years now. She has assisted in deploying skilled and non-skilled workers, screening qualified and efficient employees and handles labor cases as well. In addition, she had been a former Banker of United Coconut Planters Bank as Assistant Branch Manager for almost 5 years.	Director
Atty. Matthew John G. Almogino Matthew John G. Almogino is a lawyer specializing in corporate law and commercial litigation, and has previously served as a member of the board of directors of several corporation engaged in various industries such as transportation, construction, and real estate. Atty. Almogino is currently the General Counsel of Nippon Express Phillpines Corporation, a Multinational Corporation with headquarters in Tokyo, Japan and which conducts business operations in 698 locations in 44 countries, specializing in Global Logistics, including International Freight Forwarding using multi-modal transport, Storage, and Inventory Management. Atty. Almogino was also a former Senior Associate with Ocampo and Manalo Law Firm, a firm ranked by AsiaLaw, the Legal 500 and WorldLaw as one of the leaders in various practice areas such as corporate law, telecommunications and media, transportation, litigation and dispute resolution, and labor and employment Atty. Almogino obtained his Bachelor of Arts from De La Salle University with a Major in Political Science and Minor in History, and his Bachelor of Laws from the San Sebastian College-Recoletos Institute of Law, where he also lectured on various subjects on Corporate Law after passing the Bar Examinations.	Independent Director
Atty. Alfred S. Jacinto Atty. Alfred S. Jacinto was admitted to the bar in 1994. He graduated with a degree in Bachelor of Science major in Mathematics and Bachelor of Laws in the University of the Philippines with a College and National Science an Technology Authority Scholarship. Atty. Jacinto started as an associate at the Pecabar Law Offices in 1993. He was a partner of the Ata Jacinto& Montales Law Offices before joining the Cayetano Sebastian (CASELAW) Law Offices in 2001. He is currently the Managing Director of CASELAW. His practice areas include litigation, energy, information technology, real estate, immigration, corporate and tax. Atty. Jacinto also served as consultant to the Joint Congressional Oversight Committee on the Clean Water Act and the Office of Senator Pilar Cayetano.	Independent Director

Name	Position
Isidro C. Alcantara Jr. Mr. Isidro C. Alcantara Jr. was elected Chairman and Director last June 25, 2015. He currently sits as President of Marcventures Holding, Inc. (MHI) and presently Vice Chairman and Director of MMDC, MHI wholly owned subsidiary. He also serves as Director and President of Bright Kindle Resources, Inc. Mr. Alcantara is the President of Financial Risk Resolutions Advisory, Inc. He has been a director of Benguet Corp. Since November 2008. He serves as senior Vice President and Head of Corporate & Institutional Banking at HSBC. He was elected President and Chief Executive officer of Philippine Bank of Communication (PBCom) in Manila Philippines from 2000 to 2004. In addition, he serves as Executive Vice President of the Corporate Banking Group of Equitable PCI Bank (EPCIB) from 1981 to 2000. He serves as Director of Bankers Association of the Philippines from 2000 to 2003. He also serves at Bancom Finance Corporation, PCI Bank, and Insular Bank of Asia and America (a Bank of America affiliate) from 1975 to 1981. Mr. Alcantara Jr. Is a Certified Public Accountant. He obtained his BSc in Accounting and BS in Economics degrees from De La Salle University, graduating magna cum laude. He also attended the Special Studies in International Banking at the Wharton School, University of Pennsylvania.	Chairman
Anthony M. Te Mr. Anthony M. Te. was elected as Vice Chairman and Director in June 25, 2015. Mr. Te is currently Chairman of the Board of Asian Appraisal Company, Inc., Amalgamated Project Management Services, Inc., Asian Asset Insurance Brokerage Corp. And Professional Funding Services Inc. Mr. Te serves as Chairman and Chief Finance officer of Mactel Corp., as Director and Treasurer for Manila Standard Today Management, Inc. and Director from Marcventures Mining and Development Corporation. Mr. Te is a licensed soliciting official for Non Life insurance with Philippines Insurance Commission. Mr. Te previously sat as Director in the following companies: Balabac Resources & Holdings Co., Inc., and Phoenix energy corp. Mr. Te obtained his Bachelor of Arts in Business Management from De La Salle University.	Vice Chairman
Engr. Arsenio K. Sebial, Jr. Engr. Arsenio K. Sebial, Jr. was elected as President and Director in June 25, 2015. Engr. Sebial is the President and CEO of Marcventures Mining and Development Corporation (MMDC). Engr. Sebial graduated from Mapua Institute of Technology with a degree in Mining Engineering and was previous president of the Philippine Mining Engineer’s Society. Engr. Sebial holds 40 years of mining experience, the longest was with Benguet Corporation where he rose to Division Manager for Mining and Engineering and worked in the highly successful Benguet-Dizon Copper Mines.	President and Director
Justice Manuel M. Lazaro Mr. Lazaro was elected Independent Directors in June 2015. Mr. Lazaro currently sits as Director for Philippines Airlines Inc., (PAL), The Manila Hotel Corporation and Manila Golf & Country Club. Mr. Lazaro is also the Chairman & CEO of Philippine Constitution Association (PHILCONSA) and serves as its President and Governor for four teams from the year 1991 to 2011. Mr. Lazaro sat as Director for PHILIA Development Center, Inc., and is a member of the Board of Adviser of Ateneo Law School and Chairman of Aquila legis Alumni Foundation, Inc.	Independent Director
Ge Lin (a.k.a. Gery Lam) Mr. Lam (a.k.a. Gery Lam) was elected Independent Director in June 2015. Mr. Lam serves as Director of Xhejiang Long Kai and Lian Yu Gang and as Director and General Manager for HYSS Holdings. Mr. Lam sat as Executive Director Philippine ZhaoHeng Mining Co., Ltd. From the year 2005-2007.	Independent Director
Atty. Remegio C. Dayandayan, Jr. Atty. Remegio C. Dayandayan Jr. was elected as Director in December 2015, he was elected as Director of Bright Kindle Resources and Investment, Inc. in March 2014. Atty. Dayandan currently sits as Director and President of RYM Business Management Corporation and the Philippine Manila Standard Publishing, Inc. Atty. Dayandan was previously an associate of Dum lao Moraleda Antonano and Tuvera Law Offices from February 2008 to March 2009. Atty. Dayandan was also a Subjective Discovery Reviewer of Escaler and Company, Inc. – LPO from May 2008 to March 2009. Atty. Dayandan obtained his degrees in Bachelor of Arts major in Political Science from the University of San Carlos in 2001 and Bachelor of Laws from San Beda College- Mendiola in 2007. Atty. Dayandan was admitted to the Philippine Bar in 2008.	Director
Atty. Hermogene H. Real Atty. Hermogene H. Real was elected as Director in December 2016 and as an Assistant Corporate Secretary in June 15, 2015. Atty. Real serves as Director of Philippine Collectivemedia Corporation (2008 to present), as Corporate Secretary of Benguet Corporation (2000 to present) and Universal Re Condominium Corporation (1997 to 2009, 2010 to present), as Assistant Corporate Secretary of Doña Remedios Trinidad Romualdez Medical Foundation, Inc. (1996 to present), Benguet Corp Nickel Mines, Inc. (2009 to present). She is a lawyer in D.S Tantuicio and Associates (1998 to present). Atty Real previously held the following positions: Chairman of the Board and President of Philippine Collectivemedia Corporation (2008 to 2010), Corporate Secretary of Trans Middle East Phils. Equities, Inc. (1996 to 2006); and Assistant Corporate Secretary of Equitable PCI Bank, Inc.	Director

Executive Officers

CurrentPrevious

Name	Position
Terrel Y. Sy Teri brings ISOC over 8 years of Investment Banking experience. Prior to joining ISOC, Teri was a Principal at Fortman Cline Capital Markets, where he led deal teams in several marquee Philippine M&A deals totaling over US$3.0 bn in the energy, infrastructure and logistics sectors. Teri is an honors graduate of the BS Management-Honors program of the Ateneo de Manila University.	Treasurer/CFO
Atty. Allesandra Fay V. Abarico Atty. Allesandra Fay V. Albarico was an Executive Assistant and Court Attorney at the Court of Appeals, Pre- test Lawyer for the 2011 Bar Examinations (Supreme Court-Office of the Chairman), Associate at Dato Inciong & Associates, Legal Manager at Citicore Power, Inc., and Legal Counsel at Megawide Construction Corporation. Atty. Albarico holds a degree in Bachelor of Arts major in Legal Management (university scholar). Atty. Albarico passed the 2010 Philippine bar examinations and was admitted to the Bar the following year. Atty. Albarico likewise holds a postgraduate law degree (LL.M.) and diploma in Leadership and Management Development Program. Atty. Albarico teaches Negotiable Instruments Law, Law on Sales, Agency, and Credit Transactions, Obligations and Contracts, Partnerships and Private Corporations, and Court Procedures. Atty. Albarico has earned the distinction of being an Outstanding Professor of the Our Lady of Fatima University.	Compliance Officer/CIO
Atty. Manuel Z. Gonzales Atty. Manuel Gonzales is a Senior Partner in the Martinez Vergara Gonzales & Serrano Law Office since 2006 up to the present. Atty. Gonzales was formerly a partner with the Picazo Buyco Tan Fider & Santos Law Office until 2006 Atty. Gonzales has been involved in corporate practice and has extensive experience in securities, banking and finance law. Atty. Gonzales serves as Director and Corporate Secretary to many corporations including to companies in the Century Pacific Group since 1995, Nomura Securities Philippines since 2006 and ADP Philippines, Inc. since 2010. Atty. Gonzales graduated with honors and obtained a Bachelor of Arts degree in Political Science and Economics from New York University and he has also received a Bachelor of Laws from the University of the Philippines, College of Law.	Corporate Secretary
Gwyneth S. Ong Atty. Ong is a Partner at Martinez Vergara Gonzales and Serrano Law Office from 2015 up to the present, with extensive experience in a broad range of securities and capital market transactions. She graduated with a Bachelor of Science degree in Management major in Legal Management form the Ateneo de Manila University and a Bachelor of Laws degree from the University of the Philippines.	Asst. Corp. Sec

Name	Position
Rolando S. Santos Mr. Roland S. Santos was elected Treasurer in June 25, 2015. Mr. Santos serves as a Treasurer and concurrently holds the position of Senior Vice President for Finance and Administration of Marcventures Holdings, Inc. Mr. Santos also serves as a Treasurer for MMDC, Bright Kindle Resources and Investments, Inc., and Bright Green Resources Corp. Mr. Santos was previously the Branch head/Cluster head off Branches from Banco De Oro from 2001 to 2013, Bank of Commerce from 1984 to 2001, Producers Bank of the Philippines from 1981 to 1984, and Far East Bank from 1972 and 1981. Mr. Santos obtained his degree in BS.	Treasurer
Atty. Diane Madelyn C. Ching Atty. Dine Madelyn C. Ching was elected Corporate Secretary in June 2015. Atty. Ching serves as General Counsel and Assistant Corporate Secretary of Marcventures of Holdings, Inc. and its subsidiary, Marcventures Mining and Development Corp. Atty. Ching sits as director of Prime Media Holding, Inc. where she was previously appointed a s Corporate Secretary in 2013. She provides legal consultancy services to PLDT Global (Philippines) Corp. Atty. Ching was an associate of Ocampo & Manalo Law Firm from March 2010 to June 2013. Atty. Ching obtained her degrees in Bachelor Secondary Education major in Economics and Bachelor of Arts major in Psychology from De La Salle University- Manila graduating Honorable Mention. She passed the Licensure Examination for Teachers in 2004. Atty. Ching worked as Research Analyst of the Mergers and Acquisitioins, Asia Pacific Region Division of Thomson (Philippines), Inc. (now Thomson Reuters). Atty. Ching obtained her Bachelor of Laws from San Beda College-Mendiola in 2009 and was admitted to the Philippine bar in 2010.	Corporate Secretary
Reuben F. Alcantara Mr. Reuben F. Alcantara is the Vice President for Marketing, he is also VP Marketing, Business Development, and Strategic Planning of Marcventures Holdings, Inc. since September 2013. Mr. Alcantara is also the Company’s Investor Relations Officer. He joined the company in December 2015. Mr. Alcantara previously served as Relationship and Credit Officer for Security Bank and has had stints in Corporate Banking in Bank of Commerce and Maybank Philippines.	VP Marketing
Leddie D. Gutierrez Leddie D. Gutierrez was appointed as VP Internal Audit in June 2015. Mr. Gutierrez is a Certified Public Accountant and had held key positions in internal audit, corporate services and compliance and control in 1995. Mr. Gutierrez is currently the Vice President for Audit and Risk Management of Marcventures Mining and Development Corp. (MMDC). Mr. Gutierrez served as Division Head ( Assistant Vice President) of Strategic Support Division under Institutional Banking Sector of Metropolitan Bank and Trust Company, where since joining in November 2011 as Compliance and Control Officer ( Senior Manager), he oversaw IBS’s compliance to policies, procedures and regulations set by the bank, BSP and regulatory agencies and led systems and process improvements for the group. From April 2005 to October 2011, MR. Gutierrez serves as Head of Internal Audit of PLDT Global Corporation (PGC), a subsidiary and international marketing firm of PLDT Co. in this role, he carried out operational, information technology, financial, network and compliance audits of PGC. Mr. Gutierrez is a graduate of University of the East.	VP Internal Audit

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