Our Team – CARD Bank, Inc.

BOARD OF DIRECTORS

The Board of Directors is composed of seasoned professionals that are committed to the dual purpose of micro-finance banking:

Dr. Jaime Aristotle B. Alip

Chairman

Ms. Flordeliza L. Sarmiento

Vice Chairperson for Administration

Dr. Dolores M. Torres

Vice Chairperson for Management & External Affairs

Ms. Lorenza dT. Bañez

Member/Corporate Treasurer

Ms. Marivic M. Austria

Member/President/CEO

Ms. Mercedita G. Medequiso

Independent Member

Dr. Gilberto M. Llanto

Independent Member

Ms. Malvarosa P. Perote

Independent Member

Ms. Ma. Luisa P. Cadaing

Member

Atty. Edgardo R. Marilim

Legal Counsel

Ms. Lourdes B. Dijan

Corporate Secretary/EVP for Finance

Ms. Marissa De Mesa

Assistant Corporate Secretary/EVP for Audit

Ms. Rowena Galarde

Assistant Corporate Treasurer/VP for Finance

MANAGEMENT COMMITTEE

The Management Team is made up of professionals who have wealth of experience in the field of banking and micro finance:

Ms. Marivic M. Austria

President/CEO

Ms. Lorenza dT. Bañez

Executive Vice President

Ms. Lourdes B. Dijan

Executive Vice President for Finance

Mr. Niceto Lupig

Vice President for IT

Ms. Laarne Paje

Vice President for Risk

Ms. Glenda C. Magpantay

Vice President for Operations

Ms. Herminigilda P. Manuba

Vice President for Operations

Mr. Jeffrey M. Rondina

Vice President for Compliance

Mr. Ronnie D. Fallega

Chief Information Officer

Ms. Rowena F. Galarde

Vice President for Accounting and Finance

Ms. Rizaline A. Manalo

Assistant Vice President for Operations

Ms. Baby Analyn A. Malaborbor

Assistant Vice President for Operations

Ms. Clarita G. Mercado

Assistant Vice President for Operations

Ms.Raquel B. Zaragosa

Assistant Vice President for Operations

Ms. Rosafe Matunan

HR Director