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<p class=MsoNormal style='text-align:justify'><span class=SpellE><b
style='mso-bidi-font-weight:normal'><font size=3 face="Bookman Old Style"><span
style='font-size:12.0pt;font-family:"Bookman Old Style";font-weight:bold;
mso-bidi-font-weight:normal'>Ngayong</span></font></b></span><b
style='mso-bidi-font-weight:normal'><font face="Bookman Old Style"><span
style='font-family:"Bookman Old Style";font-weight:bold;mso-bidi-font-weight:
normal'> <span class=SpellE>Linggo</span> <o:p></o:p></span></font></b></p>

<p class=MsoNormal style='text-align:justify'><b style='mso-bidi-font-weight:
normal'><font size=4 color="#333399" face="Bookman Old Style"><span
style='font-size:14.0pt;font-family:"Bookman Old Style";color:#333399;
font-weight:bold;mso-bidi-font-weight:normal'>LIGHT TALK: </span></font></b><b
style='mso-bidi-font-weight:normal'><font size=4 color=navy
face="Bookman Old Style"><span style='font-size:14.0pt;font-family:"Bookman Old Style";
color:navy;font-weight:bold;mso-bidi-font-weight:normal'>CREDIT CARD</span></font></b><b
style='mso-bidi-font-weight:normal'><font size=4 color="#333399"
face="Bookman Old Style"><span style='font-size:14.0pt;font-family:"Bookman Old Style";
color:#333399;font-weight:bold;mso-bidi-font-weight:normal'><o:p></o:p></span></font></b></p>

<p class=MsoNormal style='text-align:justify'><b style='mso-bidi-font-weight:
normal'><font size=3 face="Bookman Old Style"><span style='font-size:12.0pt;
font-family:"Bookman Old Style";font-weight:bold;mso-bidi-font-weight:normal'>February
1<font color=navy><span style='color:navy'>7</span></font>, </span></font></b><st2:time
Hour="23" Minute="0"><b style='mso-bidi-font-weight:normal'><font
 face="Bookman Old Style"><span style='font-family:"Bookman Old Style";
 font-weight:bold;mso-bidi-font-weight:normal'>11pm</span></font></b></st2:time><b
style='mso-bidi-font-weight:normal'><font face="Bookman Old Style"><span
style='font-family:"Bookman Old Style";font-weight:bold;mso-bidi-font-weight:
normal'>, ABC 5<o:p></o:p></span></font></b></p>

<p class=MsoNormal style='text-align:justify'><font size=3
face="Bookman Old Style"><span style='font-size:12.0pt;font-family:"Bookman Old Style"'><o:p>&nbsp;</o:p></span></font></p>

<p class=MsoNormal style='text-align:justify'><span class=SpellE><font size=3
face="Bookman Old Style"><span style='font-size:12.0pt;font-family:"Bookman Old Style"'>Tuwing</span></font></span><font
face="Bookman Old Style"><span style='font-family:"Bookman Old Style"'> holidays,
<span class=SpellE>nakasanayan</span> <span class=SpellE><span class=GramE>na</span></span>
<span class=SpellE>ng</span> <span class=SpellE>marami</span> <span
class=SpellE>sa</span> <span class=SpellE>atin</span> <span class=SpellE>ang</span>
<span class=SpellE>gumastos</span> <span class=SpellE>nang</span> <span
class=SpellE>napakalaki</span>. <span class=SpellE>Marami</span> <span
class=SpellE><span class=GramE>sa</span></span> <span class=SpellE>atin</span> <span
class=SpellE>ang</span> <span class=SpellE>nagkakautang</span> <span
class=SpellE>ng</span> <span class=SpellE>di-birong</span> <span class=SpellE>halaga</span>
<span class=SpellE>dahil</span> <span class=SpellE>dito</span>. <span
class=SpellE><span class=GramE>Ngunit</span></span><span class=GramE> <span
class=SpellE>bawat</span> <span class=SpellE>utang</span> ay <span
class=SpellE>sinisingil</span>, <span class=SpellE>kaya&#8217;t</span> ding <span
class=SpellE>bayaran</span>.</span> <span class=SpellE>Huwag</span> </span></font><st2:City><st2:place><span
  class=SpellE><span class=GramE><font face="Bookman Old Style"><span
  style='font-family:"Bookman Old Style"'>sana</span></font></span></span></st2:place></st2:City><font
face="Bookman Old Style"><span style='font-family:"Bookman Old Style"'> <span
class=SpellE>tayong</span> <span class=SpellE>magulat</span> <span
class=SpellE>kapag</span> <span class=SpellE>nakuha</span> <span class=SpellE>na</span>
<span class=SpellE>natin</span> <span class=SpellE>ang</span> <span
class=SpellE>ating</span> billing statements. <span class=GramE>Sa</span> <span
class=SpellE>panonood</span> <span class=SpellE>ninyo</span> <span
class=SpellE>ng</span> episode <span class=SpellE>na</span> <span class=SpellE>ito</span>
<span class=SpellE>ng</span> Light Talk, <span class=SpellE>hawakan</span> <span
class=SpellE>na</span> <span class=SpellE>ang</span> <span class=SpellE>mga</span>
credit card statement <span class=SpellE>na</span> <span class=SpellE>iyan</span>
at <span class=SpellE>sabay-sabay</span> <span class=SpellE>nating</span> <span
class=SpellE>siyasatin</span> <span class=SpellE>ang</span> <span class=SpellE>mga</span>
<span class=SpellE>detalye</span> <span class=SpellE>ng</span> <span
class=SpellE>pagbabayad</span> <span class=SpellE>sa</span> credit card. <span
class=SpellE>Gagabayan</span> <span class=SpellE>tayo</span> <span
class=SpellE><span class=GramE>sa</span></span> <span class=SpellE>talakayan</span>
<span class=SpellE>nina</span> <b style='mso-bidi-font-weight:normal'><span
style='font-weight:bold;mso-bidi-font-weight:normal'>Elvira &quot;Joy&quot;
Ditching-<span class=SpellE>Lorico</span></span></b> (Head of Consumer Affairs
Group CSSSS and </span></font><st2:place><font face="Bookman Old Style"><span
 style='font-family:"Bookman Old Style"'>SE III</span></font></st2:place><font
face="Bookman Old Style"><span style='font-family:"Bookman Old Style"'>,
Supervision and Examination Sector, <span class=SpellE>Bangko</span> <span
class=SpellE>Sentral</span> <span class=SpellE>ng</span> <span class=SpellE>Pilipinas</span>)
at <b style='mso-bidi-font-weight:normal'><span style='font-weight:bold;
mso-bidi-font-weight:normal'>Ma. </span></b></span></font><st2:place><st1:Sn><b
  style='mso-bidi-font-weight:normal'><font face="Bookman Old Style"><span
  style='font-family:"Bookman Old Style";font-weight:bold;mso-bidi-font-weight:
  normal'>Salve</span></font></b></st1:Sn><b style='mso-bidi-font-weight:normal'><font
 face="Bookman Old Style"><span style='font-family:"Bookman Old Style";
 font-weight:bold;mso-bidi-font-weight:normal'> </span></font></b><st1:Sn><b
  style='mso-bidi-font-weight:normal'><font face="Bookman Old Style"><span
  style='font-family:"Bookman Old Style";font-weight:bold;mso-bidi-font-weight:
  normal'>I.</span></font></b></st1:Sn></st2:place><b style='mso-bidi-font-weight:
normal'><font face="Bookman Old Style"><span style='font-family:"Bookman Old Style";
font-weight:bold;mso-bidi-font-weight:normal'> <span class=SpellE>Duplito</span></span></font></b><font
face="Bookman Old Style"><span style='font-family:"Bookman Old Style"'> (Business
Editor <span class=SpellE><span class=GramE>ng</span></span> <i
style='mso-bidi-font-style:normal'><span style='font-style:italic;mso-bidi-font-style:
normal'><a href="http://inquirer.net/" target="_blank"><font color=black><span
style='color:windowtext;text-decoration:none;text-underline:none'>Inquirer.net</span></font></a></span></i>;
<strong><b style='mso-ansi-font-weight:normal;mso-bidi-font-weight:normal'><font
face="Bookman Old Style"><span style='font-family:"Bookman Old Style";
mso-bidi-font-family:Arial;font-weight:normal'>Author of the <span
class=SpellE>blog</span>, <i style='mso-bidi-font-style:normal'><span
style='font-style:italic;mso-bidi-font-style:normal'>Money Smarts</span></i>: W</span></font></b></strong>here
people can talk freely about personal finance, business, financial independence
and the economy).<o:p></o:p></span></font></p>

<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'><o:p>&nbsp;</o:p></span></font></p>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 align=left
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  src="cid:image001.gif@01C86FD0.A0DD7D90"><o:p></o:p></span></font></p>
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  <p class=MsoAutoSig style='mso-element:frame;mso-element-frame-hspace:2.25pt;
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  column;mso-height-rule:exactly'><b style='mso-bidi-font-weight:normal'><font
  size=3 color="#993300" face=Arial><span style='font-size:12.0pt;font-family:
  Arial;color:#993300;font-weight:bold;mso-bidi-font-weight:normal;mso-no-proof:
  yes'>Handog ng <o:p></o:p></span></font></b></p>
  <p class=MsoAutoSig style='mso-element:frame;mso-element-frame-hspace:2.25pt;
  mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:
  column;mso-height-rule:exactly'><font size=3 face="Arial Black"><span
  style='font-size:12.0pt;font-family:"Arial Black";mso-bidi-font-family:Arial;
  mso-no-proof:yes'>Jesuit Communications Foundation<o:p></o:p></span></font></p>
  <p class=MsoAutoSig style='mso-element:frame;mso-element-frame-hspace:2.25pt;
  mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:
  column;mso-height-rule:exactly'><st2:place><st2:PlaceName><font size=3
    face="Arial Narrow"><span style='font-size:12.0pt;font-family:"Arial Narrow";
    mso-bidi-font-family:Arial;mso-no-proof:yes'>Sonolux</span></font></st2:PlaceName><font
   face="Arial Narrow"><span style='font-family:"Arial Narrow";mso-bidi-font-family:
   Arial;mso-no-proof:yes'> </span></font><st2:PlaceType><font
    face="Arial Narrow"><span style='font-family:"Arial Narrow";mso-bidi-font-family:
    Arial;mso-no-proof:yes'>Building</span></font></st2:PlaceType></st2:place><font
  face="Arial Narrow"><span style='font-family:"Arial Narrow";mso-bidi-font-family:
  Arial;mso-no-proof:yes'>, </span></font><st2:Street><st2:address><font
    face="Arial Narrow"><span style='font-family:"Arial Narrow";mso-bidi-font-family:
    Arial;mso-no-proof:yes'>Seminary Drive</span></font></st2:address></st2:Street><font
  face="Arial Narrow"><span style='font-family:"Arial Narrow";mso-bidi-font-family:
  Arial;mso-no-proof:yes'><o:p></o:p></span></font></p>
  <p class=MsoAutoSig style='mso-element:frame;mso-element-frame-hspace:2.25pt;
  mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:
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  style='font-size:12.0pt;font-family:"Arial Narrow";mso-bidi-font-family:Arial;
  mso-no-proof:yes'>Ateneo de Manila University<o:p></o:p></span></font></p>
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  mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:
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    face="Arial Narrow"><span style='font-size:12.0pt;font-family:"Arial Narrow";
    mso-bidi-font-family:Arial;mso-no-proof:yes'>Loyola</span></font></st2:PlaceName><font
   face="Arial Narrow"><span style='font-family:"Arial Narrow";mso-bidi-font-family:
   Arial;mso-no-proof:yes'> </span></font><st2:PlaceType><font
    face="Arial Narrow"><span style='font-family:"Arial Narrow";mso-bidi-font-family:
    Arial;mso-no-proof:yes'>Heights</span></font></st2:PlaceType></st2:place><font
  face="Arial Narrow"><span style='font-family:"Arial Narrow";mso-bidi-font-family:
  Arial;mso-no-proof:yes'>, </span></font><st2:place><st2:City><font
    face="Arial Narrow"><span style='font-family:"Arial Narrow";mso-bidi-font-family:
    Arial;mso-no-proof:yes'>Quezon City</span></font></st2:City><font
   face="Arial Narrow"><span style='font-family:"Arial Narrow";mso-bidi-font-family:
   Arial;mso-no-proof:yes'>, </span></font><st2:country-region><font
    face="Arial Narrow"><span style='font-family:"Arial Narrow";mso-bidi-font-family:
    Arial;mso-no-proof:yes'>Philippines</span></font></st2:country-region></st2:place><font
  face="Arial Narrow"><span style='font-family:"Arial Narrow";mso-bidi-font-family:
  Arial;mso-no-proof:yes'><o:p></o:p></span></font></p>
  <p class=MsoAutoSig style='mso-element:frame;mso-element-frame-hspace:2.25pt;
  mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:
  column;mso-height-rule:exactly'><font size=3 face="Arial Narrow"><span
  style='font-size:12.0pt;font-family:"Arial Narrow";mso-bidi-font-family:Arial;
  mso-no-proof:yes'>Tel. (632) 426.5971 to 72</span></font><span
  style='mso-no-proof:yes'><o:p></o:p></span></p>
  <p class=MsoAutoSig style='mso-element:frame;mso-element-frame-hspace:2.25pt;
  mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:
  column;mso-height-rule:exactly'><font size=3 face="Arial Narrow"><span
  style='font-size:12.0pt;font-family:"Arial Narrow";mso-bidi-font-family:Arial;
  mso-no-proof:yes'>Fax (632) 426.5970</span></font><span style='mso-no-proof:
  yes'><o:p></o:p></span></p>
  </td>
 </tr>
</table>

<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'><o:p>&nbsp;</o:p></span></font></p>

<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt'><o:p>&nbsp;</o:p></span></font></p>

<p class=MsoAutoSig><font size=3 face="Arial Narrow"><span style='font-size:
12.0pt;font-family:"Arial Narrow";mso-bidi-font-family:Arial;mso-no-proof:yes'><o:p>&nbsp;</o:p></span></font></p>

<p class=MsoNormal><font size=3 face=Arial><span style='font-size:12.0pt'><o:p>&nbsp;</o:p></span></font></p>

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