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PETNET, Inc. Sub-Agent Management Senior Assistant Vice President Jun P. Mallo, PETNET, Inc. Vice President for Operations, Sub-Agent Management, Added Value Products, and Customer Service Marc De Guzman, and PETNET, Inc. President & CEO Ian T. Ocampo with RD Credit Corp. & PENBank, Inc. President Roy C. Rivera and Senior Vice President Jaime B. Vargas, RD Credit Corp. Vice President & General Manager Francis F. Deposa I, and RD Group of Companies Board Member and Treasurer Dolores C. Rivera

PETNET, Inc. Sub-Agent Management Senior Assistant Vice President Jun P. Mallo, PETNET, Inc. Vice President for Operations, Sub-Agent Management, Added Value Products, and Customer Service Marc De Guzman, and PETNET, Inc. President & CEO Ian T. Ocampo with RD Credit Corp. & PENBank, Inc. President Roy C. Rivera and Senior Vice President Jaime B. Vargas, RD Credit Corp. Vice President & General Manager Francis F. Deposa I, and RD Group of Companies Board Member and Treasurer Dolores C. Rivera