1. The CISA & CIC : Status of Implementation and what it means to the Rural Banking Industry.

3. • 2006 – Fifteen cooperatives based in Mindanao (Ozamis City) established a credit bureau servicing cooperatives in Central and Western Mindanao with an outsourced provider based in Cebu City. • 2008 – RA 9510 was passed after several years of lobbying by the BSP and some private entities interested in providing outsourced credit bureau services. CREDIT INFORMATION CORPORATION

5. CREDIT INFORMATION SYSTEMS ACT (CISA ) CREDIT INFORMATION CORPORATION THE LEGAL AND REGULATORY FRAMEWORK RELEVANT STATUTES RA 9510 CREDIT INFORMATION SYSTEM ACT – 2008, OCT 31 RA 10149 GOCC GOVERNANCE ACT OF 2011 – 2011, JUNE 6 RA 1405 LAW ON SECRECY OF BANK DEPOSITS RA 6426 FOREIGN CURRENCY DEPOSIT ACT RA 8791 GENERAL BANKING LAW OF 2000 RA 9160 ANTI-MONEY LAUNDERING LAW RELEVANT GOVERNMENT AGENCIES • SECURITIES AND EXCHANGE COMMISSION – IMPLEMENTING AGENCY • BANGKO SENTRAL NG PILIPINAS – COORDINATING AGENCY • DEPT. OF FINANCE – COORDINATING AGENCY • DEPT. OF TRADE AND INDUSTRY – COORDINATING AGENCY • INSURANCE COMMISSION – COORDINATING AGENCY • COOPERATIVE DEVELOPMENT AUTHORITY – COORDINATING AGENCY

13. • SPECIAL ACCESSING ENTITY - DULY ACCREDITED PRIVATE CORPORATION ENGAGED PRIMARILY IN THE BUSINESS OF PROVIDING CREDIT REPORTS, RATINGS, AND OTHER SIMILAR CREDIT INFORMATION PRODUCTS AND SERVICES. CREDIT INFORMATION CORPORATION

17. CREDIT INFORMATION CORPORATION

18. CREDIT INFORMATION CORPORATION

19. CREDIT INFORMATION CORPORATION