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CHAIRMAN Ambassador Francis Chua, directors and advisers of the Board, partners from San Miguel Group, distinguished clients and valued customers, Bank of Commerce (BankCom) employees and fellow senior executives, ladies and gentlemen:

As we honor the Supreme Law of the land and perpetuate this milestone, it is important to remember that it is through the lessons of the past that we are able to establish a government that embodies our goals and creates a vision for a just and humane society.”