TRAVEL NOW PAY LATER PLAN

IN COOPERATION WITH RCBC SAVINGS BANK, PAN MALAYAN EXPRESS, INC. IS PLEASED
TO ANNOUNCE ITS VERY OWN TRAVEL-NOW-PAY-LATER PLAN EXCLUSIVELY FOR THE
YUCHENGCO GROUP OF COMPANIES (YGC) EMPLOYEES!

       Eligibility
       The loan shall be EXCLUSIVELY available to all regular employees of the Yuchengco Group of Companies (YGC)
     with a minimum tenure of at least two (2) years.
    
     Monthly installment shall not exceed 30% of the borrower’s gross income inclusive of existing Salary Loan (if any).

     Loanable Amount/Terms/Mode of Payment
       Minimum of P20,000.00 maximum of P500,000.00 payable from six (6) to twenty four (24) months via salary deduction.

       Interest Rates

             Terms                                                        Add-On-Rate
            6 months                                            6.49%
            12 Months                                          12.29%
            18 months                                         19.62%
            24 months                                         26.29%

       Documentation Requirements

• Properly accomplished Salary Loan application form
• Properly accomplished Group Life Insurance form
• Signed certification from the HR of the respective company (at the back of the application form)
• Quotation from Pan Malayan Express, Inc., as regards amount of loan

Other Terms & Conditions

- All loan proceeds shall be made payable to Pan Malayan Express, Inc. (PMEI)
- No incentive/s shall be given to availing companies and PMEI
- Processing Fee of P200.00 shall be charged to applicant
- No applications shall be processed without the quotation of PMEI
- All applications shall indicate “For Travel” as the purpose
- Promo period will be from August 2005 to August 2006
- Submission of other documents as may be required by RSB Legal & Operations Department

We reserve the right to amend, upon due notice to applicant/passenger, any of the above stipulations, should there be supervening circumstances which we believe will warrant such change.

FOR INQUIRIES, APPLICATIONS, AND RESERVATIONS, PLEASE CALL PAN MALAYAN EXPRESS, INC., AT 844 12 16 NOW!