UCPB

United Coconut Planters Bank

General Information:

Address: 14th Floor, UCPB Executive Offices Building, Makati Avenue, Makati City
Telephone No: (632) 811-9000
Fax No: (632) 811-9063

Representative: Mr. Higinio O Macadaeg, Jr
Designation: Executive Vice President
Telephone No: (632) 811-2842
Email Address: homacadaeg@ucpb.com

Alternate: Ms. Carina C. Uy
Designation: Vice President
Telephone No: (632) 811-9422
Email Address: ccuy@ucpb.com

Date of Incorporation: 1963

Business / Product / Service Lines

• DEPOSIT & RELATED SERVICES:
   - Local Currency Deposit
   - Foreign Currency Deposit
   - Cash & Liquidity Management
   - Remittance
   - Bills Payment
   - Disbursement Management
   - Collection & Receivables
   Management

• TRUST SERVICES
   - Common Trust Fund
   - Corporate Trust
   - Personal Trust
   - Portfolio Management
   - Specialized Agency
   - Other Trust Services

• TREASURY AND MONEY MARKET
   - Government Securities
   - Commercial Papers
   - Spot Foreign Exchange
   - Foreign Exchange Forward

• CREDIT FACILITIES:
   - Non-trade Short-term Loans
   - Non-trade Long-term Loan
   - Trade Financing
   - Consumer Credit
   - Investment Banking

• UCPB RURAL BANK
   - Deposits
   - Credit Services
   - Other Rural Banking Services

• UCPB SAVINGS BANK
   - Deposits
   - Credit Services
   - Others

• UCPB LEASING AND FINANCE
   - Lease Financing
   - Check Discounting
   - Trade Receivable Financing

• UCPB SECURITIES
- Cash Account & Regular Margin
Account

Selected Balance Sheet Items as of August 31, 2003
Total Assets	P 90.8 Billion
Total Liabilities	P 83.6 Billion
Total Equity	P 7.2 Billion

Directors

Name	Position
Deogracias N. Vistan	Chairman of the Board
Jose L. Querubin	President & Chief Executive Officer/Director
Norberto C. Nazareno	Director
Rosalinda U. Casiguran	Director
Armand V. Fabella	Director
Jose Marie T. Faustino	Director
Romeo C. Royandoyan	Director
Jesus L. Arranza	Director
William D. Dichoso	Director
Vicente A. Fabe	Director
Karlo Marco P. Estavillo	Director
Carolina G. Diangco	Director
Rolando A. Golez	Director
Prudencio A. Garcia	Director
Ruben C. Carranza, Jr.	Director

Officers
Name	Position
Jose L. Querubin	President & Chief Executive Officer
Antonio M. Cailao	SEVP & Chief Operating Officer
Higinio O. Macadaeg, Jr.	EVP & Chief Credit Officer Group Head - Credit and Supervision Group
Cesar A. Rubio	EVP & Chief Finance Officer Group Head- Support Services Group
Sebastian V. Santiago. III	SVP Group Head - Corporate & Investment Banking Group
Diwi C. Castarios	SVP - Group Head - Human Resources Group
Herminio M. Famatigan, Jr.	SVP - Group Head - Consumer Banking Group
David C. Mercado	FVP - Group Head - Branch Banking Group
Raul Victor B. Tan	FVP - Group Head - Treasury Group
Jose A. Barcelon	FVP - Corporate Secretary

Ownership Structure
	No. of Shares	Percentage
Common Shares
Sequestered:	711, 985, 485	95.3%
Coconut farmers, farmer companies		51.6%
Eduardo Cojuangco, Jr. and companies		17.8%
United Coconut Planters Life Assurance Corp.		3.2%
Coconut Industry Investment Fund Oil Mining Group		4.8%
Danilo Ursua; Jesus Pineda, Jr.; Narciso Pineda		15.1%
Others		2.8%
Not Sequestered:	35, 184, 746	4.7%
Total Common Shares	747, 170, 231	100%
Preferred Shares	750, 000, 000

Details of Last Major Deal
   • Coca-Cola Bottlers Phils. Inc. LTCPs
   • UPCB as Issue Manager and Lead Underwriter
   • Celebrity Sports Plaza Inc.
   UCPB as sole underwriter of 50 Club Shares of Celebrity Sports Plaza for total issue size of P 23.75 million. Proceeds were used to partially finance renovation of the Celebrity Club.