The Rural Bankers Association of the Philippines’ 2013 Board of Directors presented a report on industry projects and programs implemented during their term. From left to right: RBRDFI Chairman Atty. Edward Leandro Z. Garcia Jr., RBAP President Vittorio Z. Almario, Treasurer Bettina Stephanie T. Tiosic, Vice President for Mindanao Gen. Charles Y. Hotchkiss and Vice President for Luzon Jose Misael B. Moraleda.