December 17, 2007
Dear FELLOW RURAL BANKERS,

With the festive decorations that surround us exuding joy and gaiety, Christmas has truly arrived. And I would like to be among those who will convey to you the eternal meaning of this blessed season of love, peace, and joy. The travails and challenges that has assailed us, both as individual bankers and as member-banks of our Association, should not deter us from our goals but instead it should be our beacon that will illuminate our way to greater achievement.

The Nativity of our Lord Jesus Christ is both a celebration of hope and salvation. His Birth signifies the nurturing of man through trials and tribulations to emerge victorious by His Grace. His Coming into the world embodies His Love and Salvation for mankind. And by His Divine Light, He has strengthened man to rise above his frailties and seek the goodness of his fellowmen through His Guidance and Inspiration.

As we end another challenging year in the rural banking sector, we manifest our thanksgiving to the Lord who has kept us together in His Care despite the tremendous difficulties and burdens we have encountered. By His Mercy, we continue our journey towards banking excellence and prominence that we may share these benefits with the greater number of our people. And by His Grace, we shall always seek the providence for the welfare of our sector and our member-banks despite the obstacles that aim to impair these intentions for our collective good.

On behalf of the 2007-08 RBAP Board of Directors and Officers, we convey our heartfelt greeting of A Blessed Christmas and a Meaningful New Year to you, your family, and your loved ones.


Very truly yours,

(Sgd)
PAZ C. RADAZA
PRESIDENT