User:Atty. Joe-Santos Balagtas Bisquera/sandbox

Dean Atty. Joe-Santos Balagtas Bisquera Complete Biographical Data

Joe-Santos Balagtas Bisquera combines business, law, management, education and music as his driving force in life. He has excelled in these fields, allowing him to mimic his model, the Philosopher-King Marcus Aurelius. Atty. Bisquera reached the higher levels in corporate business management while achieving an equally impressive record in the legal profession as well as the fields of law and business education. His Education. . .    Under-Graduate Education (BBA-CPA) •	Bachelor of Business Administration (BBA), major in Accounting, “Summa Cum Laude” (Gold Medal), April 1968, University of the East (UE) - Manila. •	passed the Licensure Examination for Certified Public Accountants in 1969, earning high marks in Business Law & Taxation and Theory of Accounts. •	UE’s 1968 Citizenship Awardee for Men (Outstanding Academic and Campus Leadership Award) •	UE’s Nominee and finalist in the search for the 1968 Ten Outstanding Students of the Philippines. •	an active student leader in the 60s having been the Vice-President, UE Student Government (1966), 	Assistant Treasurer & Board Member, National Union of Students of the Philippines (NUSP) and 	Founder & Grand Lord Chancellor (President), BETA EPSILON SIGMA Honor Fraternity, among others.

	Graduate Education (MBA) •	finished his Master of Business Administration (MBA), in April 1975 at the University of the Philippines-Diliman, graduating as the 1975 Class Valedictorian, garnering the highest Overall Weighted Grade Average (Magna Cum Laude equivalent). •	With said accomplishment and having been a consistent University and College Scholar at UP, inducted into the prestigious International Honor Societies ‘Phi Kappa Phi’ and ‘Pi Gamma Mu’. •	received the Outstanding Graduate Award (Gold Medal) from the Management Association of the Philippines (MAP) for said academic performance.

	Law Education (LLB, LLM) •	finished his Bachelor of Laws, “Cum Laude” and Class Valedictorian (Gold Medal), in May 1992 at the University of the East-Manila. •	Topnotcher, UE College of Law Dean’s List, 3rd Year, 1990-91 •	Consistently listed in the UE College of Law Dean’s List, 1st Year to 4th Year, 1987-92 •	passed the BAR Examination (1st Attempt) in 1994 and is an IBP Lifetime Member. •	working on his Thesis for a Master of Laws degree at the University of Manila. •	High School •	Finished at the UST Education High School, 2nd Honorable Mention, April 1964; •	Consistent recipient of Certificates of Merit, 1st Year to 4th Year, for Academic Excellence and Outstanding Performance in Religion, 1960-64; His Career in Corporate Business Management. . . Atty. JSBisquera’s business career spans 35 years as a career business manager. He reached the top management level at an early age of 28 years old when he was promoted as Director for Management Information and Financial Services and concurrent Controller, Delgado Brothers Inc., a leader in the transportation industry, in 1975. From then on, he held several positions in Financial Management and Controllership in various industries, namely:

FUJI XEROX Philippines Inc. is the local subsidiary of FUJI XEROX Inc., the joint venture corporation of Xerox Corporation of the USA and FUJI PHOTO Film of Japan. FUJI XEROX handles the copier & printer businesses of XEROX in the entire Asia Pacific hemisphere. •	Until January 2004, he was the Executive Vice-President, Corporate Treasurer, Director and Chief Finance Officer of FUJI XEROX Philippines Inc. •	His responsibilities include Treasury Management, Controllership, Credit & Collection Management, Bank Relations, Taxation, Information Technology & Management Reporting and liaison work on Corporate Legal matters. 	Atty. Bisquera handled the legal and financial studies that resulted in the corporate re-structuring of the then Philippine FUJI XEROX Corporation from a 60%-40% joint venture between the Yuchengco’s (RCBC/Malayan Insurance) and the FUJI XEROX Japan partners into a multinational Japanese subsidiary. 	He was a FUJI XEROX Philippines stockholder, Board Director and Corporate Officer, a recognition of his status as part of the company’s senior management •	He also restructured the company’s financial and banking structure that allowed the company to consolidate business relations with the major multinational and local banks while achieving the lowest level of cost of capital for the company; •	He spearheaded the automation of the company’s Financial and accounting system, elevating the company’s Information and Reporting system to world-class level. SmithKline & French Overseas Co., Inc., (Pharmaceutical Industry, merging with Glaxo-the biggest in the world today) 	Director for Finance and Administration 	Member, Executive Committee 	Head, Market Planning & Development 	Spearheaded the marketing campaign for SK&F’s “Troph-Iron” for school children; 	Delgado Brothers Inc (DELBROS, Land & Marine Transportation, Brokerage, Air Cargo, Warehousing & Hotel Industries) 	Director for Management Information & Financial Services 	Initially hired as the Controller, in charged of the Head Office and five (5) Operating companies 	Automated the companies’ financial and accounting system that improved operational and financial controls and management reporting

ESSO Philippines Inc. & PETRON Corporation (Petroleum Industry) 	Supervisor, Inventory & Cost Accounting Section (the youngest to handle the position) 	Supervisor, General Accounting Section 	Section Head, Refinery Accounting Section (Bataan Refining Corp) 	Section Head, Administrative System Section (ESSO Scholar-U.P. MBA Evening Program) 	Administrative Systems Analyst (topped the IBM Aptitude Test) 	Financial Analyst

Philippine Engineering & Construction Corp (MERALCO ’s Subsidiary in Power Plant Construction) •	Controller

Motorola Philippines Inc.  (electronics/semiconductors) 	Finance Manager 	Manager, Financial Planning & Cost Accounting Group 	Manager, Financial Accounting & Systems Group 	Chairman, Board of Directors, Motorola Employees Cooperative 	Responsible in planning & implementing the One (1) Day Closing of the “Accounting Books”, an Administrative & Accounting Systems Breakthrough that was given international recognition. Under his leadership, Motorola Philippines was the 1st among the Motorola subsidiaries worldwide (and the entire business world) to have accomplished this precedence;

FMC/ Asia Pacific Agricultural Development Corp (Agricultural Chemicals) Finance & Administration Manager (Chief Finance Officer)

Permaline Container Corp (Metals Fabrication-Marine Cargo Containers) •	Controller & Materials Manager (Chief Finance & Logistics Officer) Mayon Ceramics Corp  (dinnerware) •	Vice-President for Finance & Administration (Chief Finance Officer) Proctor & Gamble PMC (Consumer Goods) •	Management Trainee (developed the policies, procedures and control on “Bad Order” Losses for ‘TIDE’) Price Waterhouse & Joaquin Cunanan & Co., CPAs (Public Accounting) •	Staff Auditor (audited a leading Car Manufacturing Company & a non-Bank Financial Intermediary) International Bank for Reconstruction & Development (World Bank) & Asian Development Bank (ADB) •	Financial Consultant 	Did the Ten (10) Year Financial Projection for the Local Water Utilities Administration (LWUA) 	Designed and installed the management, financial accounting and management control systems of a Fisheries Development Project at the Samar Sea/Ticao Pass Area His Law Practice & Career in Legal Education. . . 	Atty. JSBisquera is the Chief Legal Counsel, the University of Perpetual Help (UPH) System (8 Campuses) and its Executive Law Dean, with concurrent responsibilities over UPH-Law, Las Pinas and UPH-Law, Binan, Laguna. Atty. Bisquera is a Member, Board of Trustees, the University of Manila (UM), its incumbent Vice-President for Legal Affairs and was DEAN, UM College of Law, 2004 to 2009. He is a practicing Lawyer while consistently teaching Law for the past sixteen (16) years. He has appearances in the Regional, Metropolitan and Municipal Trial Courts of Paranaque, Manila, Quezon City, Mandaluyong, Muntinlupa, Pasay City, Pasig City, Binan, Laguna, Malolos, Bulacan, Calamba, Laguna on criminal and civil cases as well as Labor Cases before the Labor Arbiters and the National Labor Relations Commission. He has succeeded in receiving favorable decisions on several criminal and civil cases, notably those handled on a ‘pro bono’ basis. Atty. JSBisquera started teaching Law Subjects at the University of Manila immediately after passing the BAR Exams. His consistent involvement in Legal Education include: •	Executive LAW DEAN, the University of Perpetual Help (UPH), College of Law – Las Pinas and College of Law – Binan, Laguna and concurrently UPH’s Chief Legal Counsel; •	DEAN (2004 – 2009), UM College of Law and concurrently Member, UM Board of Directors and its Vice-President for Legal Affairs; •	Professorial Lecturer II, Department of Criminal Law, Philippine Judicial Academy (PhilJA), Supreme Court of the Philippines; 	Handles lectures for incumbent and incoming RTC & MTC Judges on the Anti-Money Laundering Law, the Anti-Terrorism Bill, Bouncing Check Law (BP22), the Writs of Habeas Corpus, Amparo and Habeas Data and other special criminal laws; •	BAR Reviewer and Law Professor in Mercantile Law and Taxation 	University of Manila, University of Santo Tomas, the University of Pangasinan & San Sebastian College-Manila; 	teaches Transportation, Insurance, Banking Laws, Special Commercial Laws and Taxation – Income Taxes, Estate & Donor’s Taxes, Administrative Remedies and Principles of Taxation. •	Author, “BAR Reviewer in TAXATION”, 2007 Edition, Central Book Publishing Inc. 	Original released on Tuesday, 5 August 2003, the book is a compilation of Questions and Answers in Taxation and his “TIPS”, during the BAR Examinations for the past ten (10) years; 	Several of his Pre-Week Predictions/Guides in Mercantile Law and Taxation have appeared in the BAR Examinations. His Career in Business Education. . Immediately after passing the 1968 CPA Licensure Examination, Atty. Bisquera started teaching Accounting subjects at the Philippine School of Business Administration, the youngest Accounting faculty member at that time. Again, due to his excellent academic record at the University of the Philippines-Diliman, he was asked to teach Management Accounting and Financial Management at the UP College of Business Administration, the 1st UE Graduate to have been admitted into the Faculty of said institution. His specific contributions to Business Education are:

	Professor of Financial Management for more than 30 years at the De La Salle University Graduate School of Business; 	In 1999, adjudged an Outstanding Graduate School Professor at DLSU (there were 5 during the year); 	Chairman, Department of Financial Management & Management Accounting, on three (3) separate occasions. In one occasion, he voluntarily gave up the Chairmanship due to his on-going studies in the UE College of Law; 	Graduate Professorial Lecturer of Financial Management, Business Policy and Management Accounting for more than 10 years at the University of the Philippines-Diliman, UE, PSBA and the Ateneo de Manila U (Senior Executive Program) 	nominated as Board Examiner (twice) by the Philippine Institute of CPAs to the Philippine Board of Accountancy, Professional Regulations Commission, Office of the President, Republic of the Philippines 	Academic & Business Consultant, University of the East, 1980-82 	Working with then UE’s Dean of the Graduate School, redesigned and updated the Course Offerings for the Master of Business Administration (MBA) and the Master of Business Administration in Construction Management degrees, incorporating the latest trends to make the UE Program offering competitive with the leading Graduate Schools in Manila; 	Accounting Scholar, Dean Santiago F. de la Cruz Accounting Scholarship Grant, UE College of Business Administration, 1964-65 	earned the scholarship grant by topping a competitive written examination in accounting & rigid interview by leading Accounting Professors 	Outstanding Alumni Awardee in Business Administration 	1975 Alumni Homecoming, UST Education High School 	Leadership Award, Beta Epsilon Sigma Honor Fraternity & Hiyas ng Silangan Honor Sorority, New World Hotel, February 23, 1997 	Bronze Medalist, “Philippines for Christ” Oratorical Contest 	A University-wide Oratorical Contest sponsored by the UE Student Catholic Action, August 1964 	The only 1st Year and Business Administration student that won in the Oratorical Contest. •	Team Captain, Debating Team, UE Student Catholic Action, College of Business Administration, University of the East-Manila •	As a young graduate, taught Accounting Subjects at the De La University and PSBA. •	did CPA Review Classes in Financial Accounting and Management Services at De La Salle U.

His Personal Background. . . 	Family Roots •	the eldest son of Capt. Santos Bargas Bisquera, (AFP; deceased), of Lipcan, Bangued, Abra and Dr. Natividad Bernardo Balagtas, of Sta. Rosa, Nueva Eciija and Candaba, Pampanga, he was born at Sulucan, Sampaloc, Manila on the 17 October 1947; 	His Own Family •	married to Prof. Rose T. Yap-Bisquera, a Bachelor of Business Administration, “Cum Laude” Graduate and Senior Faculty Member of the University of the East-Manila. •	Mrs. Bisquera comes from Puerto Princesa, Palawan and is the eldest sister of Atty. Lowell T. Yap, UE’s 1977 BAR Topnotcher (2nd Place); •	The couple has four (4) daughters 1)	Josephine, a BSBA-CPA graduate of De La Salle University and now working as Manager, Financial Services, CARRIER International Inc., 2)	Dr. Mary Rose, a Doctor of Internal Medicine from the University of Santo Tomas, now serving as a Consultant and Specialist in Nephrology, Makati Medical Center. She obtained her Bachelor of Science in Physical Therapy and was UE’s 20th Placer-Board Exams in Physical Therapy 3)	Dr. Joanna, another Doctor of Medicine and a Registered Nurse from the University of Santo Tomas, is now doing her residency in Pediatrics at the Makati Medical Center. She obtained her Bachelor of Science in Nursing, “Cum Laude” from UST; and 4)	Jocelyn, is a practicing Doctor of Dental Medicine (DDM) of the UE College of Dentistry. Just like her elder sisters, she finished her High School at the St. Scholastica’s College-Manila. 	His Childhood •	Atty. Bisquera grew up at Sampaloc, Manila. As a young boy, he started earning early having been a newspaper delivery boy, a shoe shine boy and the shoe repair (cobbler) assistant; •	In the elementary school, he learned how to serve Mass (then in Latin) and was an active Altar Boy up to his late teens at the Our Lady of Loreto Parish Church, Sampaloc, Manila. He was also active as a Mass Server and member, Legion of Mary, at the Santissimo Rosario (UST) Parish Church. •	He was also outstanding in the Boy Scouts movement. Starting as a Cub Scout in Grade 3, he finally became Senior Patrol Leader and later Assistant Scoutmaster at the UST. His Troop 93 was one of the most outstanding Troops and was the Best Marching Unit during his leadership. He was “lucky” to have missed the 11th World Jamboree (for financial reasons) in Athens, Greece where the entire delegation perished in a plane crash. 	His Music •	He learned to play the guitar and the ukulele when he was ten (10) years old. •	He became the lead sneer drummer of the UST Scouts Drum & Bugle Corps for the UST 350th Foundation Anniversary Celebration. •	Joe & Rose, together with their daughters, started as a Family Choir at the 9:00 A.M. Sunday Mass at their “Presentation of the Child Jesus” Parish, Phase 3, BFHomes-Paranaque in 1985. For ten (10) years, the family sang during the Sunday Mass, with Rose as the lead singer while daughter Josephine was at the Yamaha organ, Joe played the Yamaha acoustic guitar and all the family sang. Their example inspired other families to form their own choirs for church services. •	His interest in music included organizing singing groups and combos in his elementary and high days. In later years, he joined rock & roll bands, as a hobby, playing the rhythm guitar for the “SWABE” Band at Motorola Philippines Inc., and the “5 Forces” Band, a group of MBA Professors at the De La Salle University. •	His love for music encouraged him to even take formal lessons in playing the musical organ at the Yamaha School of Music at the time he was already the Chief Finance Officer of a leading agricultural chemical company. Memberships As A Professional Manager 	Philippine Association of Law Schools (PALS – the Law Deans’ Association) •	Secretary-General (two terms), 2005-2006; 2007-2008; •	Regional Director, Metro Manila Law Schools, 2005-2006; 2007-2008; 	Philippine Association of Colleges & Universities (PACU) •	Vice-President for Legal Affairs and Chief Legal Counsel, 2006-2007; •	Chairman, Commission on Elections, 2007-2008; 	Financial Executives Institute of the Philippines (FINEX) Tax & Legal Committee •	Chairman, 2001-2002; •	Vice-Chairman, 2000-2001 	Philippine Institute of CPAs (PICPA) 	Ethics Board •	Vice-Chairman, 2002-2003 •	Presiding Officer, 3rd Division, 2005-2006 •	Member, 2004-2006 (reappointed), 2001-2002 	Southern Metro Manila Chapter •	Internal Vice President, 1990-91, 1991-92 	Philippine Coast Guard Auxiliary 106th Squadron, National Capital Region •	With the Rank of “Commander” (Lieutenant Colonel) 	UE Law Alumni Association •	Treasurer and Director, 2004-2005 	High School Family Advisory Council, St. Scholastica's College - Manila •	President, 1985-86; •	Vice-President, 1984-85 	Grade School Family & Faculty Advisory Council, College of the Holy Spirit-Manila •	President, 1979-81; •	Vice-President, 1975-77 	Parañaque Chamber of Commerce & Industry •	Vice-President for Internal Affairs, 1998-99; •	Corporate Secretary, 1999-2000; •	Treasurer & Director, 1996-97 	UST Education High School Alumni Association •	Vice-President, 1992-93; 2008-09; 	Presentation of the Child Jesus Parish, BF Homes-Parañaque, Metro Manila •	Extraordinary Ministers of Holy Communion 	President, 2008-09; 2009-2010 (rare precedence); 	Vice-President, 2006-07; 	Coordinator, Communion of the Sick, the Aged and the Disabled (2002-2008); •	Auditor, Parish Council; •	Lectors and Commentators 	Membership in: •	Integrated BAR of the Philippines, Lifetime Membership since 1994 •	Financial Executives Institute of the Philippines, 1998 to the Present •	Management Association of the Philippines, 1999 to the Present •	Makati Business Club, 1999 to the Present •	Philippine Institute of CPAs, Lifetime Membership since 1969

Training & Conferences Attended as a Speaker & Resource Person 	Philippine Association of Colleges and Schools of Business (PACSB) in cooperation with the Financial Executives Institute of the Philippines (FINEX) •	 Fundamentals of Financial Management 	De La Salle U Jr. FINEX Association 	for Finance & Business Professors of Central & Eastern Visayas, University of San Carlos, Cebu City, November 2002 	for Finance & Business Professors of the Western Visayas Region, Business Inn, Bacolod City, February 28, 2004 	for Finance & Business Professors of the Northern Mindanao Region, Cagayan de Oro City, March 12, 2004 	for Finance & Business Professors of the Bicol Region, Ateneo de Naga University, Naga City, Camarines Sur, March 2004 	for Finance & Business Professors of the Southern Tagalog Region, University of Batangas, Batangas City, May 14, 2004 	Philippine Association of Accredited Schools, Colleges and Universities (PAASCU) in cooperation with the Financial Executives Institute of the Philippines (FINEX) •	Fundamentals of Financial Management 	For Finance & Business Professors of Metro Manila, Central Colleges of the Philippines, September 2002 •	“Emerging Issues in Financial Management” 	Adamson University, College of Business Administration, August 20, 2001 	The Coordinating Council of Private Education Associations (COCOPEA) Manila Galleria Suites, Greenhills, Mandaluyong City, July 29, 2002 •	“Educational Leadership & Management Development – Finance & Human Resource Development” 	Citibank, N.A. Manila Galleria Suites, Greenhills, Mandaluyong City, May 2003 •	Creating Competitive Advantage – Breakthrough Strategies in Cash, Trade & Treasury 	“Benefits of 3rd Party Outsourcing Accounts Receivable Management & Collection, the FUJI XEROX Experience” 	Metropolitan Bank & Trust Co. •	For METROBANK Top Executives on ” Corporate Strategy Development”, 1997 	United Coconut Planters Bank •	for its Consumer Division on “Fundamentals of Financial Management” 	University of the East - College of Business Administration •	Commencement Speaker, April 2000 •	Department of Finance & Banking, Sept 15, 1998 	Banking Operation and Management Seminar 	Polytechnic University of the Philippines (PUP) •	Fundamentals of Financial Management 	La Consolacion College Schools of Accountancy, Computer Studies, Business Administration & Social Studies, September 28, 2000, Mendiola, Manila •	“The Virtual Filipino Professional: Confronting the Challenge of Information Technology and Globalization” 	Colegio de San Juan de Letran Muralla, Intramuros, Manila •	Corporate Financial Management, Jan 29, 1994 •	Financial Planning & Policies, July 30, 1994 	Philippine National Police, Southern Police District, Paranaque City Police Force April 24, 2000 •	Police and Business Community Relations 	Pyramid Management Consultants Inc. (Makati-based Public Seminars) •	Accounting Systems and Controls for the Construction Industry 	Upgrade Management Consultants Inc. (Makati-based Public Seminars) •	Financial Management for the Construction Industry

as a Corporate delegate/Participant 	FUJI XEROX Philippines Inc. 	Information Technology Regional Conference, Akasaka, Tokyo, Japan, September 2002, 	Senior Management Orientation, Singapore, Kuala Lumpur & Bangkok, November 1987 	Regional Management Audit, Sydney, Australia, February 2001 	Motorola Philippines Inc. 	International Tax Conference, Beijing, People’s Republic of China, October 1997 	Asia-Pacific Conference on the Y2K Issue, Hongkong, People’s Republic of China, February 1998 	Finance Managers' Conference, Phoenix, Arizona, USA, April 1995 	Strategic Financial Planning Conference, Phoenix, Arizona, USA. April 1992 	Financial Management Conference, Kuala Lumpur, Malaysia, March 1991 	Asian Managers Conference, Taipei, Taiwan, Republic of China, November 1991 	New Trends in Fixed Assets Systems, Kuala Lumpur, Malaysia, October 1989 	Advanced Computer Concepts for Managers, Kuala Lumpur, Malaysia, August 1988 	Smith Kline & French Overseas Co., Inc. (now Glaxo SmithKline) 	Corporate Managers' Conference, Philadelphia, Pennsylvania, USA, November 1979

Awards, Certificates & Citations

	UE Law Hall of Fame Awardee Gold Medal UE College of Law, 50th Anniversary, Fiesta Pavillon, The Manila Hotel, December 5, 2003 	Special Citation in Legal Management Statuette of Recognition UE Alumni Association, Alumni Homecoming, Club Filipino, San Juan, Metro Manila, September 27, 2003 	Bachelor of Business Administration in Accounting Summa Cum Laude – Gold Medal UE Commencement Exercises, April 1968 	Bachelor of Laws Class Valedictorian – Gold Medal Cum Laude – Bronze Medal UE Law Commencement Exercises, April 1992 	Citizenship Award for Men Plaque 1968 Commencement Exercises, April 1968

	Leadership Award, BETA EPSILON SIGMA Honor Fraternity Plaque 30th Anniversary Celebration, The New World Hotel, Makati City, February 23, 1997 	Top Scholar, Dean’s List, UE College of Law (3rd Year) Certificate of Recognition UE Law Commencement Exercises, April 1990 	Top Orator (3rd Place), “Philippines for Christ” Oratorical Contest Bronze Medal UE Student Catholic Action, August 1964

	Master of Business Administration Class Valedictorian Magna Cum Laude (equivalent) UP Commencement Exercises, April 1975 	Outstanding MBA Graduate Gold Medal Philippine Council of Management, UP-Diliman, Quezon City, April 1975 	Member, Phi Kappa Phi International Honor Society Certificate of Recognition UP-Diliman, Philippine Chapter, April 1975 	Member, Pi Gamma Mu International Honor Society Certificate of Recognition UP-Diliman, Philippine Chapter, April 1975 	University & College Scholar Certificates of Merit UP-Diliman, Philippine Chapter, 1972 - 75

	Outstanding Graduate School Professor Plaque of Recognition Hall of Fame De La Salle U Graduate School, 1999 	20 Years Service Award Gold Commemorative Pen De La Salle U Graduate School, 2000 	Resource Speaker – “Financial Management” Certificate of Appreciation University of St. La Salle, Bacolod City, February 28, 2004

	The University of Santos Tomas 	Outstanding Alumni Award in Business Administration Certificate of Recognition UST – Education High School, Espana, Manila, February 1975 	2nd Honorable Mention Certificate of Recognition UST – Education High School, Espana, Manila, February 1964 	Outstanding Academic Performance Certificates of Merit – 1st, 2nd & 3rd Years UST – Education High School, Espana, Manila, February 1960-63 	Outstanding Performance in Religion Certificates of Merit – 2nd & 3rd Years UST – Education High School, Espana, Manila, February 1960-63 	The Coordinating Council of Private Educational Institutions (COCOPEA) 	Resource Speaker – “Finance & Resource Development” Plaque of Appreciation Amorsolo Ballroom, Manila Galleria Suites, One ADB Avenue, Ortigas Center, Pasig City, July 29, 2002 	La Consolacion College 	Guest Speaker – “The Virtual Filipino Professional: Confronting the Challenges of I.T. and Globalization” Plaque of Appreciation Schools of Accountancy & Computer Studies, Business Administration & Social Sciences, Mother Consuelo Auditorium, Mendiola, Manila, September 28, 2000 	Colegio de San Juan de Letran 	Resource Speaker – “Corporate Financial Planning” Plaque of Appreciation College of Business Administration & Accountancy, 151 Muralla St., Intramuros, Manila, Philippines, January 29, 1994