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Genelyn: A pleasant afternoon to you all! We are the advertising team from Chinabank and today we
will introduce you our beloved bank, Chinabank and we will also encourage you to loan from us.

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Melbert: China Banking Corporation is one of the Philippines' leading private universal banks. Within our
subsidiaries, China Bank Savings, China Bank Capital, China Bank Securities, Chinabank Insurance
Brokers, and Manulife China Bank Life Assurance, we accommodate a full spectrum of banking goods
and services to institutional (corporate, middle market/commercial, SMEs) and individual (retail, mass
affluent, high net worth) customers, as well as thrift banking, investment banking, insurance brokerage,
and bank assurance.

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Karl: China Bank, established in 1920 as one of the first privately-owned local commercial banks, has a
thorough perception of how businesspeople handle themselves. While sustaining very close
multigenerational ties with the Chinese-Filipino community, we have since widened the extent of our
products and services to satisfy all market segments as we query plans to build more value for the
future.

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Franchesca: Dee C. Chuan, an outstanding business leader, and philanthropist, Don Albino Sycip,
acknowledged as the Dean of Philippine Banking, and ten other excellent businessmen endowed China
Bank. On August 16, 1920, the bank opened its doors on Calle Rosario. What is now Quintin Paredes St.,
Binondo. China Bank steadily developed and prospered, thanks to a modern Chinese organizational
structure and an in-depth comprehension of how Chinese merchants handle business.

Franchesca: China Bank is one of the most esteemed, trusted, stable, and successful financial
institutions in the country, with a century of solid financials, a firm commitment to quality service, a
meaningful contribution to the country's economic landscape, and an abiding legacy of successful
partnerships with generations of clients.

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Melbert: But how do we get a loan from Chinabank?

Melbert: Here are the three simple rules.

Melbert: First is you must be at least 21 and not more than 55 years old upon loan maturity. Second,
you must be a Filipino citizen. Minimum gross annual income of PHP360,000. Lastly, Employed or self-
employed for the last three years. You need to be a principal credit card holder.

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Karl: There are lenders who offer personal loans even if you don't have a stable job. You can get such
loans in the form of secured loans, payday loans and government personal loan schemes for the
unemployed, to name a few.

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Franchesca: Lenders determine loan amounts based on a borrower's credit score. Important criteria is
taken into consideration while calculating one's credit score, including frequency of credit utilization and
payment history. A borrower's credit score measures the amount of risk a lender can expect if the loan
is approved.

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Melbert: China Bank Savings makes it easy and affordable to buy or build your very own home. Enjoy:
High loan amount, Flexible payment terms: Up to 25 years for a house and lot, Up to 15 years for vacant
lots, Up to 10 years for condominium units, Low interest rates. And to protect you from future rate
increases, you can choose to have your interest rate fixed for one year, five years, or ten years.

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Franchesca: Beyond rates and terms, we bring value to every home loan partnership by taking the time
to understand your home financing needs. We assure you of: Transparent dealings, Prompt processing
Low insurance premiums through China Bank’s subsidiary, China Bank Insurance Brokers, Inc. Easy and
convenient loan payment via automatic debit arrangement, Advisory services for acquiring a property,
we have accredited reputable home developers and can help you own a home you can afford and enjoy.

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Karl: 7 factors Chinabank look at when considering your loan application

Karl: The first factor is your credit, your income and employment history, your debt-to-income ratio,
value of your collateral, size of down payment, liquid assets and loan term.

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Genelyn: For the next part, we will give you a sample situation. You will borrow a principal amount of
50,000 with a 3% interest rate compounded annually. The debt is to be paid with interest included by
equal installments at the end of each year for 5 years. What will be the annual payment? Show
amortization schedule.

Genelyn: In this sample, we will find the annual payment of the loan. Let’s first enumerate the given in
this problem. For the present value, we have Php 50,000, interest rate of 3% or 0.03. For the conversion
period, it is said here that the loan is compounded annually and that is equal to 1. 5 years for the time.
For the rate of interest per period it is 0.03 because the formula of rate of interest is r over m, so that
would be 0.03 over 1 and if you divide 0.03 by 1, the answer would be 0.03
Genelyn: The formula that we will use is the periodic payment formula and the formula for that is
present value times rate of interest per period over one minus the quantity of 1 plus the rate of interest
per period raised to negative n.

Genelyn: So we have here 50,000 pesos times 0.03 over 1 minus the quantity of one plus 0.03 raised to
negative 5 and if we solve that we will get the annual payment of 10,917.73 pesos.

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Genelyn: Here is the amortization schedule of the sample situation. We can see here that we have a
deviation of .01 and since .01 is just an insignificant value. There is no outstanding balance at the end of
the payment.

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Genelyn: Benefits of loaning in Chinabank. Lower interest rates, higher borrowing limits, low down
payments, flexible payment terms, fast loaning process, and free financial wellness seminar

Genelyn: and of course, if we loan on a bank, there will always be freebies.

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Genelyn: For our freebies we have umbrella, tote bag, mug, ballpen, and hand fan.

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Genelyn: So what are you waiting for? Loan in chinabank now because there are a lot of benefits in our
bank if you loan from us. Don’t forget you’ll also get freebies. That’s all for our presentation, thank you
for listening and We hoped that we encouraged to to loan in Chinabank.