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BDO bags 4 awards at the 9th Asian Excellence Awards

BDO Unibank, Inc. was again honored at the recently held Asian Excellence Awards, bagging highly-coveted titles such as Asia’s Best CEO, Best Investor Relations Company, and Best Corporate Communications.

BDO’s chairperson Teresita Sy-Coson and president and CEO Nestor V. Tan were chosen as Asia’s Best CEOs (Investor Relations) for their superior leadership and excellence in driving the overall management and growth of the Bank.

Meanwhile, BDO executive vice president and head of Investor Relations & Corporate Planning Luis S. Reyes Jr. was awarded Best Investor Relations Professional (Philippines). The Best Investor Relations Professional is given to those who excelled in keeping investors well-informed about the developments in their company. Investor relations is critical to generating shareholder value for investors.

Spearheaded by Corporate Governance Asia, the 9^th Asian Excellence Awards is a highly-coveted recognition for corporates that have adopted the highest standards of ESG (Environmental, Social, and Governance) in the way they operate and grow their businesses.

Winners for this year were picked from several countries across the region, including China, Hong Kong, India, Japan, Korea, Indonesia, Malaysia, Singapore, Taiwan, Thailand, Vietnam, and the Philippines.

Strategically linked to its corporate vision and core values, corporate governance is an integral part of the bank’s operations. From mere compliance, the bank has successfully put in place a framework, policies, committees, and initiatives that not only strengthened its financial position but also enhanced its reputation among its shareholders and foreign investors.

The bank’s corporate governance philosophy–empowerment with accountability–”gives its leaders the freedom to move the business forward without undue restraint but are expected to act with due care, responsibility, and accountability,” the bank told to Corporate Governance Asia. As such, BDO is able to deliver its commitment to its shareholders: sustainable corporate growth and long-term value creation.

“When we set out on our mission to honor Asia’s finest executives and corporates, we embark on a journey to enhance their standards of corporate governance, and through this advocacy to institutionalize the best practices across the region, we recognize that they key to long-term sustainability and success of companies us having a solid reputation in the market and exemplary business models, and how they are applied and conducted in accordance with the highest principles of corporate governance,” Mr. Aldrin Monsod, founder, managing director and publisher of Corporate Governance Asia said in honoring this year’s winners.

About BDO Unibank, Inc.

BDO is a full-service universal bank which provides a wide range of corporate and retail banking services. These services include traditional loan and deposit products, as well as treasury, trust banking, investment banking, private banking, rural banking, cash management, leasing and finance, remittance, insurance, retail cash cards, credit card services, and stock brokerage services.

BDO has one of the largest distribution networks, with more than 1,300 operating branches and over 4,000 ATMs nationwide. It also has a full-service branches in Hong Kong and Singapore as well as 23 overseas remittance and representative offices in Asia, Europe, North America, and the Middle East.

BDO ranked as the largest bank in terms of total assets, loans, deposits, and trust funds under management based on published statements of condition as of March 31, 2019. For more information, please visit www.bdo.com.ph.

BDO Unibank, Inc.
BDO Corporate Center
7899 Makati Avenue
Makati City 0726, Philippines
Tel +63(2) 840-7000
www.bdo.com.ph

Chesca Ortega
PR and Events Specialist
Roar Agile Communicators Corp
roar.ph chesca.roar@gmail.com

August 13, 2019
BDO earns P20.2 Bn in 1H 2019

BDO Unibank, Inc. (BDO) sustained its momentum as it delivered P20.2 billion in earnings for the first six months of the year on strong recurring earnings from its core businesses, solid growth in fee income and normalization of trading & forex gains.

Net interest income increased by 24% to P56.9 billion as net interest margins (NIMs) improved to 3.99 per cent from 3.50 per cent last year. Gross customer loans grew by seven (7) per cent to P2.0 trillion, as the Bank continued to generate double-digit growth in the consumer and middle market segments. Meanwhile, total deposits went up by three (3) per cent to P2.4 trillion, reflective of customers’ shift to higher-yielding fixed income investments, primarily bank-issued bonds. The Bank’s CASA ratio, however, was maintained at 70 per cent.

Non-interest income was up 29 per cent to P29.5 billion as fee-based income and insurance premiums posted double-digit growth. Further, trading and forex gains normalized to P3.6 billion on favorable capital market conditions.

Operating expenses grew by 21 per cent in line with the Bank’s continuing expansion, with 53 domestic branches and offices opened in the 1H 2019, as well as higher volume-related expenses. Taxes and licenses and policy reserves at BDO Life increased by 51 per cent. Excluding volume-related expenses, opex growth would have risen by 14 per cent in line with the Bank’s investment in branches and business development offices nationwide.

Provisions amounted to P3.0 billion as the Bank maintained its conservative credit and provisioning policies. Gross non-performing loan (NPL) ratio was steady at 1.2 per cent while NPL cover remained high at 163.2 per cent.

Total capital grew to P350.8 billion, with Capital Adequacy Ratio (CAR) and Common Equity Tier 1 Ratio at 14.2 per cent and 12.6 per cent, respectively, higher quarter-on-quarter and remaining comfortably above regulatory requirements.

With expectations of better economic prospects going forward, BDO will continue to build on its business franchise and extensive distribution network to tap new growth areas and underserved markets.

About BDO

BDO is a full-service universal bank which provides a wide range of corporate and retail banking services. These services include traditional loan and deposit products, as well as treasury, trust banking, investment banking, private banking, rural banking, cash management, leasing and finance, remittance, insurance, retail cash cards, credit card services, and stock brokerage services.

BDO has one of the largest distribution networks, with more than 1,300 operating branches and over 4,000 ATMs nationwide. It also has a full-service branches in Hong Kong and Singapore as well as 23 overseas remittance and representative offices in Asia, Europe, North America and the Middle East. BDO ranked as the largest bank in terms of total assets, loans, deposits and trust funds under management based on published statements of condition as of March 31, 2019. For more information, please visit www.bdo.com.ph.

Nancy May Francisco-Lugatiman

PR Manager ROAR Agile Communicators Corporationm: +639177920519w: roar.ph e: n ancy@roar.ph

August 2, 2019
Be ready on your next getaway with these five travel must-haves!
Planning for a trip takes more than just booking flights and reserving hotel accommodations. Every seasoned traveler knows that it is equally important to immediately research for suggested itineraries and make a list of things to bring for the duration of the vacation.

Complete your travel essentials with a World Traveler luggage and Hydro Flask water bottle when you get your own CEB GetGo Credit Card.

From making sure that all travel documents are ready, to choosing the right luggage to bring and knowing the appropriate clothes to pack, preparing for any kind of getaway may be nerve-racking. To make things easier the next time you’re going on an out-of-town trip or flying to another country, here’s a checklist of items you should not forget to pack in your bag:
1. Reusable water bottle. Exploring a different city means that you will be walking around the streets and taking public commute for hours. One of your best travel companions to keep you energized and hydrated during your adventures is a cool bottle of water. While you can always buy from convenience stores, it is recommended to bring your handy tumbler which you can always refill anytime for free.
2. Fully charged power bank. Almost everything needed to survive traveling is already in a smartphone such as maps, language translator, and currency calculator. So, imagine just how hard it would be if your phone’s battery drained. With a portable power bank in your bag, you can save yourself from emergencies by just plugging your gadget and charging it on the go.
3. Complete health kit. Whether you’re traveling within the country or to a new destination, it can be difficult to get treatment when an injury or illness happens. That’s why it’s always better to be prepared with your own kit, complete with medicines and basic first aid supplies including bandages and alcohol so you can immediately tend to any kind of emergency or accident.
4. Small travel bag. A luggage is needed to carry all your things to one destination; but when you’re already touring the city, you wouldn’t want to carry a big heavy bag. To truly enjoy and travel like a tourist, you should have an additional crossbody bag or purse which you can practically bring anywhere you go.
5. Widely-accepted credit card. While it is great to be prepared with cash when traveling, having a credit card is much more convenient and hassle-free for purchases locally and even abroad. With a credit card, you are free to shop and spend for the most rewarding and memorable experiences. Some banks even offer travel credit cards with amazing rewards such as points to fly for free for every purchase transaction!
Cebu Pacific’s lifestyle rewards program, GetGo has its own fleet of credit cards – CEB GetGo Credit Card and CEB GetGo Platinum Card – that let members enjoy cashless transactions and online shopping convenience wherever they are, while earning points that can be redeemed to book a free Cebu Pacific flight! It has one of the best conversion rates in the market, with every P30 spend earning members 1 GetGo Point.

For those who don’t have their own CEB GetGo Credit Cards yet, GetGo and UnionBank is bringing its newest exciting promo for new cardholders. From now up to October 8, 2019, those who will apply for a CEB GetGo Credit Card will get a free cabin-sized World Traveler luggage and an 18-oz. wide mouth Hydro Flask vacuum-insulated stainless-steel water bottle upon spending P20,000 on the card within 65 days from approval date.

Meanwhile, new CEB GetGo Platinum Cardholders will get the luggage and Hydro Flask as well as a promo code worth 8,000 GetGo Points upon spending P40,000 with the card within the same period. With this much points, new members can immediately book a one-way ticket to any local or Southeast Asian destination that they have been wanting to visit.

Apply for any of the CEB GetGo Credit Cards and get a World Traveler luggage and Hydro Flask water bottle to bring on your next vacation.

So, what are you waiting for? Get ready to travel with your CEB GetGo Credit Cards and brand-new travel luggage and Hydro Flask. Apply for your own card at http://bit.ly/cebgetgocreditcard and visit http://bit.ly/ggtravelbundle for full mechanics. Promo runs until October 8, 2019. For more information on memberships and partners, visit www.getgo.com.ph. Never miss out on exclusive member offers and the latest news on partner promos by subscribing to GetGo email alerts. Just log in to your account, go to ‘Profile’, select ‘Preferences’, click ‘My Settings’, and choose ‘Count Me In’. You can also like and follow GetGoPH’s official pages on Facebook, Twitter, and Instagram.

John Paulo Ondra Caparros

Public Relations Department

Strategic works, Inc.

+63.893.7472 | +639. 17.158.7918

john.caparros@stratworks.ph

2nd Floor Zaragoza Building, 102 Gamboa Street, Legaspi Village, Makati City PH
July 15, 2019
Leading the charge in financial inclusion

Yuchengco Group of Companies Chairperson Helen Yuchengco Dee (first row, fifth from left) and Rizal Commercial Banking Corporation Chief Innovation and Inclusion Officer Lito Villanueva (second row, fourth from left) recently led a signing of a memorandum of understanding to launch DiskarTech, the country’s first-ever financial inclusion accelerator program to harness the Filipinos’ entrepreneurial spirit. Photo also shows officials from program partners PLDT Enterprise, Smart WiFi, Malayan Insurance, Liga ng Mga Barangay, League of Municipalities, Local Climate Change Adaptation Development, Philippine Association of Stores and Carinderia Owners, and Ka-Entrep Micro and Small Entrepreneurs Organization of the Philippines.

July 15, 2019
BDO Foundation PH teaches financial education to kids through storytelling

A boy who succeeds in getting his dream toy, an enterprising high school student who uses her creativity to earn income, and a modified version of a well-loved folk song—these are just some of the content used to teach youngsters the value of saving money and preparing for the future.

The materials, which come in the form of videos, are part of the training tools developed by BDO Foundation, the Department of Education (DepEd) and Bangko Sentral ng Pilipinas (BSP) to promote financial education among public school students from kindergarten all the way to senior high school.

Gandang Girlie Video – “Ganda ni Girlie,” describes how a high school student’s resourcefulness and creativity help her earn income even in her youth.

“Young people are into watching videos. We thought it would be best to come up with financial literacy videos that would not just entice, but more importantly, educate them,” said BDO Foundation president Mario Deriquito.

He also said the strategy to leverage storytelling and music was meant to provide entertainment while educating children on the very important subject of personal finance.

Savings from her earnings

Savings from her earnings

“The beauty of stories and songs is that they are easy to remember. Kids appreciate the materials better because they can easily imagine being the characters in the stories. This makes the materials so powerful in teaching and inspiring,” Deriquito continued.

Five financial education videos for students have been released to date. These aim to catch students’ attention and enable them to learn about the value of money at the same time.

The said tools, developed by BDO Foundation in partnership with DepEd and BSP, were deployed to public schools nationwide by virtue of DepEd Memo No. 32, series of 2019, signed by DepEd Secretary Leonor Briones.

Finishing touches for her springless notebook business

The videos include “Walk Hard for the Money,” which tells of an elementary school boy who chooses to walk to school instead of commuting despite being given allowance. Along with other money-making efforts, these eventually pay off, allowing him to buy an electric scooter, which he later rides to school.

Another video, “Bente Bente,” conveys the same message to young school children to the tune of “Tong Tong Pakitong-kitong.”

Inspired by the Filipino folk song Magtanim ay Di Biro, “Umutang ay Di Biro” also uses music to tell older students to save their allowance, limit spending and pay debts on time.

Newspaper fund drive from her neighbors & sells it to nearby junkshops

“Ganda ni Girlie,” meanwhile, describes how a high school student’s resourcefulness and creativity help her earn income even in her youth.

“Save to Have a Million: Junior Edition” discusses the right attitudes in handling money through a game show.

Other than the videos for the students, the financial literacy learning tools also include lesson plans, discussion guides, and financial education videos for teachers and non-teaching personnel.

Ice Candy business during weekends

“It is very important that the students start the habit of saving while they’re young,” Deriquito emphasized. “This is our strategy for greater financial inclusion among Filipinos in the long run.”

A survey conducted by global financial services firm Standard & Poor’s revealed that only 25% of Filipino adults are financially literate. This is lower than the global average of 33%.

“We hope that the videos encourage the students not just to live for the moment, but prepare for their future by saving and spending wisely now,” Deriquito added.

Barbecue Outside her village area with the help of her relatives taking turns in grilling then selling it.

BDO Foundation will be developing more financial education materials together with DepEd and BSP in the future.

The foundation also has financial education programs for overseas Filipino workers and their families, army personnel and their families, and small farmers. Its programs will further be discussed in a web series on YouTube.

BDO Foundation is the corporate social responsibility arm of BDO Unibank.

July 14, 2019
BDO, one of Asia’s Icons on Corporate Governance

Corporate Governance Asia awarded BDO with the Asia’s Icon on Corporate Governance for the 14th time. The icon award recognizes the best of the best in corporate governance (CG) in Asia for setting the benchmark of what CG should be.

The country’s largest bank also took home the Asia’s Outstanding Company on Corporate Governance Award for its consistently high CG standing, while BDO Chairperson Teresita Sy-Coson and President & CEO Nestor V. Tan were co-awarded with the Asian Corporate Director Recognition Award for their exemplary leadership.

“Corporate governance is now deeply embedded in Asia, which in many ways, serves as an attractive proposition for investors to park their capital in this region,” said Corporate Governance Asia Founder and Publisher Aldrin Monsod. “Corporations here have adopted and continue to adapt to the best international practices that have made Asia an important investment destination for global fund managers.”

For Tan, CG is valuable in maintaining a healthy, financially-sound, and well-managed bank. “It is a key driver towards our sustainable growth and long-term value creation,” he said.

BDO’s CG practice is recognized as one of the best in the Philippines. With a high score on the ASEAN CG Scorecard, the bank is one of the Top 50 ASEAN Publicly-Listed Companies in Corporate Governance.

Having an award-winning CG practice bodes favorably among foreign investors. BDO has received an over subscription in its capital market offerings, one of the clear indications that it is a good credit risk as an issuer.

“We are always looking out for our clients. To serve them in the best possible way, we constantly evolve our CG practices to support the requirements of the changing business landscape, comply with new regulations, and align with international best practices,” added Tan.

Corporate Governance Asia publishes news and analysis on CG issues, boardroom practices, and shareholder activism. Now on its 14th year, its Best of Asia Awards celebrates the success of companies that adhere to the highest CG standards. Awardees have integrated effective Environmental, Social, and Governance (ESG) practices across their business. They are also awarded for the quality of their management, their business model, growth prospects, financial performance, and relative position in their industries.

“Part of getting recognized entails the responsibiliy to maintain our performance and if possible, exceed it. We welcome this challenge in keeping with our We Find Ways service philosophy, knowing that our clients stand to benefit further from our improvements,” concluded Sy-Coson.

EXEMPLARY LEADERS. Teresita Sy-Coson, chairperson, and Nestor V. Tan, president and chief executive officer of BDO Unibank, Inc., were bestowed with the Asian Corporate Director Recognition Award by Corporate Governance Asia. Also during the 14th Best of Asia Awards, BDO was also given the prestigious Asia’s Icon on Corporate Governance Award and the Asia’s Outstanding Company on Corporate Governance Award.

About BDO Unibank, Inc.

BDO Unibank, Inc. is a full-service universal bank which provides a wide range of corporate and retail banking services. These services include traditional loan and deposit products, as well as treasury, trust banking, investment banking, private banking, rural banking, cash management, leasing and finance, remittance, insurance, retail cash cards and credit card services.

BDO has the country’s largest distribution network, with over 1,200 consolidated operating branches and more than 4,000 ATMs nationwide. It also has 24 overseas remittance and representative offices (including full-service branches in Hong Kong and Singapore) in Asia, Europe, North America, and the Middle East.

BDO ranked as the largest bank in terms of total assets, loans, deposits and trust funds under management based on published statements of condition as of December 31, 2018. For more information, please visit www.bdo.com.ph.

BDO Unibank, Inc.

BDO Corporate Center

7899 Makati Avenue

Makati City 0726, Philippines

Tel +63(2) 840-7000

www.bdo.com.ph

CARLO LEO C. MANUEL
Corporate Communications
Marketing Communications Group
BDO

manuel.carlo@bdo.com.ph
878-4415
840-7000 loc. 34415
12th Floor, North Tower

Nancy May Francisco-LugatimanPR Manager ROAR Agile Communicators Corporationm: +639177920519w: roar.ph e: n ancy@roar.ph

April 17, 2019
Fulfill your new travel dreams with CEB GetGo Visa Credit cards

As another new year starts, many individuals are bringing out their planners and making lists of their resolutions. For those planning to bring out their inner jetsetters in 2019, there’s no better time to embrace a travel lifestyle than now.

With a trustworthy lifestyle rewards program such as GetGo, traveling becomes exciting and rewarding in more ways than one. Whether you’re a young traveler itching to explore new destinations or a parent planning that much-awaited family getaway, GetGo has lined up a few tips to help fulfill your new year travel resolutions:

With GetGo, you and the barkada can discover the most beautiful spots and sightsee the most interesting places across the world

Watch out for seat sales

Local airlines such as leading low-cost carrier, Cebu Pacific, have been enabling Filipinos to fly in and out of the country with its budget-friendly flight tickets. If you want to score cheap tickets to the most visited destinations like Hong Kong, Korea, Bohol, and Siargao, it helps to keep tabs on the latest promos and seat sales so you can fly on a discount. You can even fly for free on rewards points if you are a GetGo member.

Research about your dream destination

You can better enjoy an unfamiliar territory when you have good knowledge about what to do and where to stay for the trip. As budding travelers, it is advisable to read up about the destination and familiarize with the tourist spots so you would not get lost and get the most out of your vacation.

Prepare an itinerary

List down the places you want to visit and plot them in a schedule to manage time efficiently when you are already touring the destination. Keep your plans on your phone with helpful online travel apps. You can even book discounted tickets to popular tourist destinations on sites like Klook and get rewards if you are a GetGo member.

Get a credit card made for traveling

Enjoy the best of traveling and unlock perks and benefits with your own travel credit card such as the Cebu Pacific GetGo Credit or Platinum Credit Card. With the CEB GetGo Visa Credit cards, you can fly to the hottest local and international destinations, dine at five-star restaurants, and even go on a cashless shopping spree while earning points to fly for free! You will even get exclusive merchant discounts, enjoy access to the airport lounge, receive additional 5kg baggage allowance, and have automatic transfer of points.

Hop on to your next flight using 16,000 Bonus Points when you apply for your own CEB GetGo Visa Credit Card.

Making the year more fulfilling for travelers, GetGo gives everyJuan the chance to spend holiday trips and vacations by flying with its 16,000 Bonus Points Promo. Cardholders who will apply for Cebu Pacific GetGo Credit or Platinum Credit Card from now up to February 15, 2019 will receive 8,000 Bonus GetGo Points by spending P20,000 on the credit card within 65 days from approval date. On top of the initial offer, Cebu Pacific GetGo Platinum cardholders will also be given a unique promo code for additional 8,000 GetGo Points upon spending another P20,000 using the new card within the same period.

With 16,000 GetGo points, you can tick off places and activities that have been in your bucket list for a long time. From surfing in Siargao, island hopping in Palawan, celebrating festivals in Cebu, and even seeing the cherry blossoms bloom in Japan, you can enjoy the wonders of traveling with your CEB GetGo Visa Credit cards.

So, let your travel dreams take flight with GetGo and enjoy up to 16,000 bonus points to fly for free when you spend using your new CEB GetGo Credit Card. Apply now at http://bit.ly/CEBGetGoCreditCard and visit https://www.getgo.com.ph/promos/cobrand-8K-promo for full mechanics. Promo is extended until February 15, 2019.

For more information on memberships and partners, visit www.getgo.com.ph. Stay updated on the latest promos by liking GetGoPH’s official pages on Facebook, Twitter, and Instagram.

John Paulo Ondra Caparros

Public Relations Department

Strategic works, Inc.

+63.893.7472 | +639. 17.158.7918

john.caparros@stratworks.ph

2nd Floor Zaragoza Building, 102 Gamboa Street, Legaspi Village, Makati City PH

January 22, 2019
EasyDebit: One of the Philippines’ leading fintech solutions celebrates significant growth with transaction volumes of over 1billion pesos processed since its launch in 2017
- Growth of 466% in transaction value 2018 v 2017
- Growth of 375% in transaction volume 2018 v 2017
- Over 100% growth in network locations across the Philippines 2018 v 2017
Fexco EasyDebit, one of the Philippines most innovative fintech solutions is today marking a significant period of growth having processed over 1billion pesos in transactions since its launch in 2017. The growth is further reflected in increases of cash withdrawal amounts (up 466% in 2018 v 2017) and transaction volume (up 375% in 2018 v 2017).

EasyDebit is a unique service that uses a mobile Point of Sale (or mPOS Pin Entry Device) and a mobile phone allowing customers in the Philippines to withdraw cash using their ATM card at any number of local accredited merchants including; payment and remittance centres, retailers, rural banks and cooperatives instead of having to travel to an ATM.

EasyDebit is a ‘plug and play’ solution requiring minimal installation for merchants who simply download the EasyDebit Mobile App. The solution has the capacity to reach over 100million people, many of whom are disconnected from the limited ATM infrastructure in the Philippines. Through merchant uptake and participation EasyDebit promotes financial inclusion by providing more secure access to cash withdrawal for the millions of unbanked Filipinos. Uptake of EasyDebit increased by 100% in 2018 (v2017) and the solution is now live with over 700 merchants across the country.

Speaking about the growth seen by EasyDebit this year, Ann Chan Foley, CEO at Fexco Philippines, Inc. commented, “2018 represents a significant year for the business. We have seen hugely positive growth trends across the county in terms of transaction volume, value and merchant growth demonstrating the robustness of the solution. We are excited to continue this growth in 2019 as we further expand the EasyDebit network helping to reach more unbanked and underserved Filipinos.”

For more information, contact:

Fexco Philippines Inc.

Jojo Robles, +639176517135, Jojo.Robles@fexcoasia.com

About Fexco

Recognised as one of the world’s original and most established fintech organisations, Fexco employs over 2,300 people across its suite of companies headquartered in Killorglin, Co. Kerry located in the South West of Ireland. Founded in 1981, Fexco now has operations in 29 countries across Europe, the Middle East, Asia-Pacific, North America and Latin America.

Fexco serves some of the world’s biggest brands across multiple industries, predominantly in the payments and FX sectors, through a wide range of innovative products and services including; Dynamic Currency Conversion (DCC), Multi Currency Pricing (MCP), Tax Free Shopping and Retail FX. Fexco also offers bespoke Managed Business Solutions and Outsourcing services as well as a full suite of payment management solutions through its Corporate Payments business.

Since inception, Fexco has been driven by an entrepreneurial and innovative spirit. This ethos has brought the company to new regions and industries of growth, connecting customers with exciting new opportunities. Through its commitment to partnership and innovation, the company has built an international network of customers. To find out more visit www.fexco.com

About EasyDebit

FEXCO has developed a microATM card solution for merchants which allows merchants to offer cardholders cash out and balance inquiries. The EasyDebit solution acts as an additional revenue stream for merchants who earn a fee from each transaction. The solution is safe and secure, accredited to the highest security standards – PCI DSS and EMV Level 1 & 2 compliant. To find out more visit www.easydebitasia.comR

Catherine Llanes

Media Relations Manager

T. +63 2-332-10-31 loc. 103

M. +63 917 582 0573M
January 15, 2019