I am MRS RIZA PERLA, REGIONAL AUDITOR OFFICER BANCO DE ORO UNIVERSAL BANK. I am writing you this letter based on the latest development at my bank, which I will like to bring to your personal edification. I am a top official in charge of client accounts in (EQUITABLE PCI BANK) which is now BANCO DE ORO UNIVERSAL BANK inside the Philippines the merger was (2007) The merger is part of a long-term goal of Banco de Oro to become one of the largest names in the Philippine banking industry.