Published hereunder is the letter of Jerry Coloma’s lawyer dated August 7, 2007 urging the Securities and Exchange Commission (SEC) to reject the Directors’ Certificate of Amendment filed by the RBAP Board on July 2, 2007 (copy hereto shown).

To All Member Banks:

Please be informed that pursuant to the Resolution / Petition of at least eleven (11) members per Article VI (a) and Article IX of the of the Amended By-Laws of the Rural Bankers Association of the Philippines (RBAP), Notice is hereby given that there will be a Special Annual General Membership Meeting to be held on Thursday and Friday, September 13-14, 2007, 8:00 AM at the Grand Ballroom of the Manila Hotel, Manila, Philippines, with the following agenda, to wit:

The Confederation of Central Luzon Rural Banks, Inc. (CCLRB) is inviting the CCLRB members to attend the 44th People Management Association of the Philippines (PMAP) Annual Conference on September 26-28, 2007 at the Waterfront Hotel, Lahug, Cebu City. The theme for the conference is “PEOPLE DELIVER”.

NOTE:

Courses are subject to change without prior notice
For regular update, kindly refer to our website: www.rbap.org
Tel. No. (02) 527-2969; Fax No. (02) 527-2980
Contact Persons: Ace Calang (ace@rbap.org)/ Jackie Lou Echon (jackie_lou@rbap.org)

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January 26, 2007


Dear Fellow Rural Bankers,


The Joint Confederation of Northern Luzon Rural Banks (Regions 1, II & CAR) will hold its Second Overseas Study Tour, on March 8-11, 2007. This trip is designed as a learning experience for ALL rural bankers who would like to take a brief respite from their daily routine while at the same time acquiring invaluable knowledge about their Asean neighbors.

8:30 am to 5:30 pm, March 8 & 9, 2007
The Conservatory, Peninsula Manila, Makati City, Philippines

SEMINAR FEE: P 12,800 (or US$ 261 Net)
(Fee covers Meals, Resource Kit, Certificate of Attendance)

GET AS MUCH AS 15% DISCOUNT! AVAIL OF ANY OR ALL OF THE FOLLOWING:

• Less 5% for early registrants (on registrations made on or before February 16, 2007)
• Less 5% for early payment (if made on or before February 26, 2007)
• Less 5% for group registration (minimum of 3 participants)

Dear Fellow Rural Banker:

Mabuhay!

We are pleased to inform you that the Confederation of Southern Tagalog Rural Bankers will hold its 2007 Annual Management Conference at the Bohol Tropics Resort, Tagbilaran City, Bohol on March 21 – 23, 2007.

January 3, 2007

TO: ALL RBAP MEMBER BANKS SUBJECT: SERVICE FEE FOR INDIVIDUAL EMAIL ADDRESS

November 6, 2006


Dear Fellow Rural Bankers,

In the interest of clarity and truth, allow me to issue the following rejoinder to the announcement regarding the temporary closure of the RBAP office, pending the resolution of the injunction issued by the Court of Appeals.

To All Member Banks:

Please be informed that based on Board Resolution No. 02-A FY 07-06 adopted during its Special Board Meeting of July 24, 2006, and the Resolution/ Petition of at least eleven (11) members per Article VI (a) of the Amended By-Laws of the Rural Bankers Association of the Philippines (RBAP), Notice is hereby given that there will be a Special General Membership Meeting to be held on Tuesday, November 28, 2006, 8:00 AM at the Grand Ballroom of the Century Park Hotel, Manila, Philippines, with the following agenda, to wit:

October 30, 2006

TO: ALL RBAP MEMBER-BANKS FROM : (SGD)EMMANUEL B. GUINA Executive Director SUBJECT : TEMPORARY CLOSURE OF THE RBAP OFFICE

Subject: SPECIAL GENERAL MEMBERSHIP MEETING AND NATIONAL MANAGEMENT CONFERENCE


The member-banks of the Rural Bankers Association of the Philippines (RBAP) will hold a Special General Membership Meeting and National Management Conference on November 28-29, 2006 at the Grand Ballroom of the Century Park Hotel, Malate, Manila.

October 27, 2006



RE : NOTICE OF SPECIAL GENERAL MEMBERSHIP MEETING AND NATIONAL MANAGEMENT CONFERENCE

TO: ALL GCASH ACCREDITED RURAL BANKS FROM: EMMANUEL B. GUINA Acting Executive Director SUBJECT: EXTENDED - FREE G-CASH CASH-IN SERVICE PROGRAM “PROJECT GRATIS” DATE: October 12, 2006

InWEnt - Capability Building International, Germany and the German Technical Cooperation Agency (GTZ) in partnership with the Rural Bankers Association of the Philippines (RBAP) will be implementing a Training of Trainers (ToT) on Credit Risk Management.

TO: ALL G-CASH ACCREDITED RURAL BANKS FROM: EMMANUEL B. GUINA Acting Executive Director SUBJECT: G-CASH PAMASKONG PA-BUENAS DATE: October 9, 2006

FROM: (SGD)EMMANUEL B. GUINA TO: ALL G-CASH ACCREDITED MEMBER BANKS DATE: September 26, 2006 Subject: G-CASH INCREASES WALLET LIMIT TO Php 40,000

29 September 2006

TO: ALL MEMBER BANKS FROM: (SGD) Emmanuel B. Guina Acting Executive Director RE: BSP APPROVAL OF THE TEXT-A-DEPOSIT SERVICE