1. TRUSTWORTHY TEAMWORK TENACITY Meeting of Minds 3Q 2014

2. “Synergy”

3. MD TOP 5 1. Solve BMW, volvo, kia problem by 4q 2. 1000 units/mo vehicle sales by december. All new dealerships fully open in 3q 3. Start full construction of Bonifacio before 4q and draw on loans. Close anchor locators for this project in 3q 4. Complete management teams in finance/accounting, auto group, ldb/it, lica land, and digital marketing. Achieve zero backlog in hr 5. Improve El rico office and redevelop pasong Tamo.

4. LICA Group LICA is a business group involved in Automotive, Real Estate, Hospitality, Banking and Financial Services, Office Solutions. LICA CSR vehicle is FLimcaoco Foundation, Inc. Our Mission We will be your first choice to help you OWN and ENJOY your CAR and HOME. We like our customers to interact with us continuously and frequently, from the actual acquisition experience, to services like financing and insurance, to hassle-free maintenance and repairs, to resale and upgrade. Our Values Trustworthyness, Teamwork, Tenacity ("Don't Give Up"). Our Vision Owning your own CAR and HOME is a dream of all Filipino families, in all walks of life. Visitors to our country likewise seek to enjoy the hassle-free use of a car and home. We envision a country where a CAR and HOME is easy for everyone to acquire and a joy to experience.

5. LICA Group Automotive Technology Real Estate Financial Services Hotels and Restaurants

6. LICA AUTO NATION TOP 5 from December 2013 –1000 cars sold/month by end of 2014. Including Carmax at 100 units/month. –New dealerships: Honda (2 new dealers), Hyundai (2 dealers), Chevy (2 new dealers), Nissan (1 new dealer), New Premium Brand in 2013 –Complete franchising team by 3Q. Franchising of Hertz in provincial areas together with Rapide, at least 2 units. –Insurance special project to 10% of insurance business. –LDB market share to minimum of 10% of car loans in all brands.

7. LICA AUTO NATION TOP 5 from December 2013 –1000 cars sold/month by end of 2014. Including Carmax at 100 units/month. –New dealerships: Honda (2 new dealers), Hyundai (2 dealers), Chevy (2 new dealers), Nissan (1 new dealer), New Premium Brand in 2013 –Complete franchising team by 3Q. Franchising of Hertz in provincial areas together with Rapide, at least 2 units. –Insurance special project to 10% of insurance business. –LDB market share to minimum of 10% of car loans in all brands.

8. LICA LAND TOP 5 –Complete residential and commercial management team by 3Q. –Synergy with Auto Nation Salesforce able to close at lease 6 sales/month through referrals –Start construction of new projects by 3Q LDB Checkpoint Mall Harmony Village Center Harmony Homes Phase 3 Parrots Peak Various dealerships –Computerization of leasing and residential sales (real estate software) in 3Q –Property and Facilities Maintenance division to handle all facilities including hotel properties –Fully lease out 500 Shaw, especially 2nd and 3rd floor.

9. LICA LAND TOP 5 –Complete residential and commercial management team by 3Q. –Synergy with Auto Nation Salesforce able to close at lease 6 sales/month through referrals –Start construction of new projects by 3Q LDB Checkpoint Mall Harmony Village Center Harmony Homes Phase 3 Parrots Peak Various dealerships –Computerization of leasing and residential sales (real estate software) in 3Q –Property and Facilities Maintenance division to handle all facilities including hotel properties –Fully lease out 500 Shaw, especially 2nd and 3rd floor.

10. LDB – INSURANCE TOP 5 –Double size of the bank by 2015. Including automotive loans. Improve back office. –Develop areas of synergy with LICA: IT, HRD, LEGAL/Remedial collections, marketing, database, shared premises. –Product expansion: check clearing, cross selling insurance/homes/cars, ATM, etc. –Build management team, complete by 3Q. –Reorganize SME loan team.

11. LDB – INSURANCE TOP 5 –Double size of the bank by 2015. Including automotive loans. Improve back office. –Develop areas of synergy with LICA: IT, HRD, LEGAL/Remedial collections, marketing, database, shared premises. –Product expansion: check clearing, cross selling insurance/homes/cars, ATM, etc. –Build management team, complete by 3Q. –Reorganize SME loan team.

12. LICA CENTRAL OFFICE TOP 5 –Reduce uncollected and unreconciled over 90 AR by 50% –Convert Rapide to new computer system –Organize and equip database marketing group that can refer or sell 20 cars/month and 2 properties/month –Organize corporate planning by 3Q. Initially Budget: (make sure all have, and monitor it), Performance (Balanced Scorecard of KPIs), Funding (sources and allocation). –Reorganize sales training to include selling skills, product knowledge, automotive and real estate.

13. LICA CENTRAL OFFICE TOP 5 –Reduce uncollected and unreconciled over 90 AR by 50% –Convert Rapide to new computer system –Organize and equip database marketing group that can refer or sell 20 cars/month and 2 properties/month –Organize corporate planning by 3Q. Initially Budget: (make sure all have, and monitor it), Performance (Balanced Scorecard of KPIs), Funding (sources and allocation). –Reorganize sales training to include selling skills, product knowledge, automotive and real estate.