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CREDIT PERFORMANCE REPORT-INDIVIDUAL

|Borrower’s Name & Address |Marketing Unit / Office|Loan Product/Type |Department Class |
| | | | |
|Arroyo, Virginia | |Individual/Clean |AA |
|New Moriones, Ocampo, Camarines Sur |RB Ocampo | | |
| | |Date Prepared |
| | |03.13.2013 |

Loan Applied for/Request- RENEWAL OF BALANCE

| |This Loan |Previous |
|Loan Cycle |4th cycle |3rd cycle |
|CAM # | |None |
|Facility |Individual/Clean |Agri Loan |
|Amount |15,000.00 |15,000.00 |
|Term |180 |180 days |
|Value Date | |09.14.2010 |
|Due Date | |03.13.2011 |
|Interest Rate |18% |20% |
|Service Fee |4% |6% |
|Frequency of Payment |Lump Sum |Lump Sum |
|Loan Payment/Amortization |Upon Harvest | |
|Other Condition | | |
|Purpose |Renewal of Balance | |

Loan Summary/ Details

|Particulars | |
|Facility |Agri Loan |
|PN # | |
|Principal Loan |15,000.00 |
|Loan Balance |14,950.00 |
|Date Granted |09.14.2010 |
|Date Due |03.13.2011 |
|Loan Cycle | |
|Interest Rate |20% |
|Service Fee |6% |
|No. of Days Past Due |749 days |
|Date of Last Payment |06.17.2011 |
|Remarks | |

The Client / Borrower’s Background

|Assessment of the Client’s Character: |
| |
|Ms. Arroyo, Virginia , 33 years old, Brgy. Treasurer of Cabariwan, Ocampo and a native farmer. Mrs. Arroyo husband is Mr. Rodrigo Arroyo, 33 |
|years old, also a farmer of their Brgy. They are currently residing at Cabariwan, Ocampo, Cam. Sur, more or less 5kms away from the bank. They |
|have 2 childred. |
| |
|Monica B. Arroyo – 12 years old, High School student at Bagasina High School. |
|Paulo B. Arroyo – 7 years old, elementary student at Evangilica School. |
| |
|Mrs. Arroyo has been a client of RBOcampo since 2010, wherein she availed AGFP credit facility of the bank to provide additional capital for |
|farming. Last Dec. 2012 Ms. Arroyo decided to renew with the same amount her unsettled balance to avoid charges. For a term of 4 months to give |
|her a chance to settle it. But on the 1st quarter of 2013 Instead of settling the loan, it still became over due. Because her grand mother died |
|and Mrs. Arroyo mostly shoulder the expense in funeral wake. And her last resort is waiting for her cash gift. family had a problem in settling |
|her loan due to insufficient capital from their business because this 1st and 2nd qtr of the year 2013 is season for harvest in palay |
|production. Their fund is focus on their business and Marquez mother, Ms. Alicia Culiat suffer health problem and need medical assistance. That |
|is why they are in Manila together with his father Manuel Culiat also RB Ocampo borrower, to assist Mrs Culiat in medication. The only resource |
|for Mrs. Marquez according to her is to renew her balance to avoid past due charges on her part. |

The Bushiness

|Primary Business |Secondary Business (if any) |
|NONE |NONE |
|Location of Business |No. of years in the Busines |

RBO Relationship

Deposit – None

|Type of Account |Account Details |Last 3 months average daily balance |Remarks |
| |Account Number |Account Name |Oct. 2012 |Nov. 2012 |Dec. 2012 | |
| | | | | | | |

Credit History

Principal Borrower – LILIA A. LLAMERA
|Cycle |
|Approved | | |
| |Amount Approved: | |
|Declined | | |
| |Term Approved: | |
|Deferred with reasons: | | |
| |Installment Approved: | |
|BOD |CC |Interest Rate: | |
|CONDITIONS (OTHER THAN THE REGULAR CONDITIONS) |
| |
|APPROVING OFFICERS / DATE: | | |
| | | |
| | | |
| | | |

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