HDI Corporate Profile 2015

live learn love

HDI Corporate Profile

2015

CONTENTS

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Corporate Profile

FOUNDER’S MESSAGE ABOUT HDI SNAPSHOT PHILOSOPHY vision mission purpose values legacy corporate social responsibility people SOCIAL NETWORK MARKETING apitherapy hdi mark of quality associations and partnerships our brands MILESTONES SUMMARY CONTACT

FOUNDER’S MESSAGE |Every brand has a story.

Ours begins with Family.

HDI was the pioneer in developing the network marketing business in Asia. Since 1986, we have been giving millions of individuals the opportunity to strive for a better life through our amazing bee products. Over the years, we have evolved to become a Family of Companies, entering various industries where we felt we can make a difference.

It all started because I wanted to provide a better life for my family. I never expected that my family –the HDI Family– would grow to encompass what it is today. That is why there is a great sense of responsibility to carry on this tradition as more people join us. We will strive for progress and growth not for commercial greed, but for continuity and stability, so that we can provide for the thousands of families that depend on us each day. And we will carry on existing as an institution of living, learning and loving so that we may give our children and their children after them a place to call home.

This is our business. This is our way of life. I love you all.

Peter Chia

Founder HDI Family of Companies

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Corporate Profile

HDI family of companies ABOUT HDI

HDI is a Social Network Marketing organisation that offers a wide range of premium bee-based nutritional and skin care products as well as a unique opportunity to learn about entrepreneurship. Founded in Singapore in 1986 with its corporate headquarters in Indonesia, HDI today is present in 7 countries with subsidiaries in various industries such as finance, stock brokerage, outdoor advertising, property holdings, information technology and human resources.

SNAPSHOT

We help more than 200,000 enterprisers run their own business every day through our network of 210 centres in 6 countries in Southeast Asia.

3M+

members since establishment

200K+

210 centers

6

9

90

brands

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Corporate Profile

active members (2014)

countries

products

enterpriser demographics Country Breakdown hong kong

Marital Status singapore philippines

75%

malaysia

married

Indonesia

Gender

Age

31% 69% male

female

31%

between the ages of 31-40

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Corporate Profile

global presence |Countries

|The Business Groups

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Corporate Profile

The HDI Family of Companies is present in 7 different countries worldwide • Singapore • Hong Kong • Malaysia • Philippines • USA (R&D) • Macau • Indonesia

• Social Network Marketing • Trade & Logistics • Property Holdings • Advertising • Financial Services • Management Services

performance |Country Contributions

Philippines 25%

Indonesia 58%

|Business Groups

Financial Services

Singapore 14%

Malaysia 2%

Hongkong/Macau 1%

Management Services

59% Advertising

18% 14% 4%

Property

4% 1%

Trade & Logistics Network Marketing

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Corporate Profile

PHILOSOPHY

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Corporate Profile

Most companies today focus only on profit. It is always about how much more they can earn, year after year. Although profit is important in sustaining our organisation, it is not what we value the most. From day one, we have always been about people. Our goal is to instill in individuals the values of LIVE, LEARN and LOVE; to help them work towards a better life for themselves and their families. So from the smallest gestures to the biggest decisions we make at HDI every day, we strive to achieve great things together with our fellow men and through our actions, be an inspiration to others.

vision

Inspiring a world where people live, learn and love beyond themselves.

We want to build a community of people that are able to live, learn and love not just for themselves, but for mankind as a species, and to have this community be a source of inspiration to change the way others think about themselves. If we truly care about the generations that will come after us, then this is the only way that our children will have a better future.

mission

Our businesses are learning environments that inspire people to better themselves and their communities.

purpose

We help provide opportunities, health and guidance to those who are striving for a better life.

Our businesses are run primarily to help people evolve and grow. Often, we see people end their formal education and get jobs in companies that offer very little in terms of helping them improve themselves. They end up stagnating both in ability and mindset. However, we think that if we can help our people grow through our businesses, they too can help our businesses grow. It works both ways.

We believe that anyone regardless of race, religion or background who is willing to improve themselves should have an equal opportunity for a better life. When HDI first started, our tagline was “The Helping People Business� because we felt that if we made it our business to help people, they in turn would be able to help others as well. That is why at HDI, we consider this as the purpose for our existence.

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Corporate Profile

values

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|Live

We are passionate about living life to the fullest, one day at a time. We choose health, family and relationships over material goods because we understand that life is not about acquiring; life is about living.

|Learn

We push ourselves to learn something new every day. Challenging ourselves, being open to new ways of improvement and having an open mindset is critical to our success. And we are never too old to learn new tricks.

|Love

We choose to love ourselves and those around us. It makes things easier when we work and play. A hug goes a long way in telling someone that he or she is appreciated.

Corporate Profile

legacy

We work today to build the right foundation for our children that will inherit tomorrow. We don’t know what the future might hold, but to leave our children with strong moral values, a high degree of self-awareness, a passion for life and the ability to evolve, that to us is a worthy cause.

As custodians of an institution, we work towards the day our children can work and play in the very same organisation that their parents helped build. That is the essence of a true family business where the responsibility to keep the fire going is entrusted to each following generation of people that embrace our philosophy and values.

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Corporate Profile

corporate social responsibility

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|Sponsorships

Throughout the years, HDI has sponsored many athletes and Olympians. Notable personalities such as “Asia’s Track Queen” Lydia De Vega, “Asia’s Long Jump Queen” Elma Muros, The Living Proof author and senior record-setting marathoner Noel Johnson and “Malaysian Diving Princess” Pandelela Rinong have attributed their athletic prowess to our bee products. HDI is also the only health food company that has consistently sponsored the Olympic Committee of Malaysia (OCM) since 1990.

|HDI Foundation

HDI Foundation is our independent charity organisation that helps to educate underprivileged children. To date, we have built 11 schools, trained 350 teachers and sent more than 1,300 children to school. HDI Foundation regularly runs education programs to improve the job prospects of graduates and helps companies to connect with the schools via corporate social responsibility programs. Through the efforts of volunteers, we have also provided disaster relief to areas devastated by natural calamities.

Corporate Profile

|Selamat Pagi Indonesia

In 2003, HDI and participating enterprisers embarked on Vision 2010, an initiative to to establish a school and dormitory for orphans. This milestone was achieved through the efforts of everyone involved: the enterprisers donated a percentage of their earnings to help build the school in Batu Malang, Indonesia while HDI donated the land. Known as Sekolah Selamat Pagi Indonesia today, this unique institution goes above and beyond the standard school curriculum to teach life skills such as farming, entrepreneurship and personal development. It also frequently arranges for overseas trips to expose students to different sights and cultures. It is currently managed by HDI enterprisers under the Billionaire group and its 150 students run the school’s day to day activities. Sekolah Selamat Pagi Indonesia has also evolved into a theme park for families, catering to corporate training events and providing guest house accommodation. It has plans to expand further in the future.

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Corporate Profile

people |Peter Chia

Founding father and Chairman Emeritus of the HDI Family of Companies, Peter Chia has been an inspiration to millions of people all over the world. Coming from a humble beginning with no business background, he was driven to start HDI to provide for his family. He spent the next 20 years building up HDI from scratch into what it has become today.

|Brandon Chia

Brandon Chia is the 2nd generation to lead the HDI Family of Companies. Having first joined HDI in 2005 as its International Operations Manager, Brandon took over the running of the Philippines Business Group in 2007 and was formally appointed as Chairman and CEO of the HDI Family of Companies in 2012.

(Founder)

(Chairman and CEO)

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Corporate Profile

|Staff Demographics

60% 40% male

female

Hong Kong

4

Indonesia

employees

168

employees

Singapore

11

employees

171

employees

5

employees

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Corporate Profile

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Corporate Profile

SOCIAL NETWORK MARKETING HDI is a Social Network Marketing organisation that gives individuals unique education and business opportunities through its wide range of premium bee-based nutritional, skincare, personal care and home care products.

Traditionally, individuals that are part of this model are known as distributors. At HDI however they don’t just distribute, they are recognized as ENTERPRISERS for their love, passion and independence in running their own business.

HDI is

• A premium, trusted, people’s brand with effective, high quality and beautifully designed bee-based products • Asia’s leading proponent of apitherapy and bee education • The preferred partner for budding enterprisers wanting to learn about business and to expand their network • About giving back to society through actively creating comprehensive education programs which help people to develop key life skills

Social Network Marketing is a C2C (consumer to consumer) marketing and distribution platform based on a combination of relationship referral and direct selling that gives individuals the opportunity to better themselves and benefit their communities.

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Corporate Profile

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Corporate Profile

apitherapy

The beehive is nature’s oldest laboratory and bees are nature’s most efficient scientists. Apitherapy is the use of substances produced by honeybees to treat various medical conditions. This is the core of HDI’s business. Since its founding, HDI has educated millions of people about the benefits of consuming bee products.

Bee Pollen

• Bee pollen is the male seed of flowers and bees gather it as food.

• Known as the world’s most perfect food, it contains all the nutrients required to sustain and support life.

Royal Jelly

• Royal jelly is produced by young nurse bees as a form of nutrition for bee larvae.

• Known as “bees milk” for its highly nourishing properties.

• A superior food for the young and queen bees.

• Rich in nutrients especially protein and collagen.

Bee Propolis

• Bee propolis is a sticky resin that bees collect from the bark and leaf buds of trees.

• Known as the “Russian penicillin” for its antimicrobial properties.

• Unlike chemical antibiotics which weaken your immune system over time, bee propolis helps boost and stimulate your body’s immune system naturally.

Honey

• Honey is created by mixing bee enzymes with nectar and it is also a sweet substance secreted by flowers.

• Natural sweetener with many health benefits.

• Valued all over the world not only for its nutritional value as food, but also for its medicinal properties and beautifying effect.

No bees are harmed in the process. HDI sources all its products responsibly with sustainability in mind.

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Corporate Profile

At HDI we take immense pride in our products. That is why we created the Official HDI Mark of Quality.

When you purchase our products with this Mark, you can be assured that it has been made with the utmost love and care together with the greatest of respect for all people and religions.

M

VE

TIO RA

DE

ME

NT

D EPA

RTME N T OF

MA

YS LA

I

Jabatan Kemajuan Islam Malaysia

FE

DE

Food and Drug Administration (Philippines)

TROL A CON UT H

TY RI O

KAWALAN D AD SA UA

MI C

MALAYSIA

LO P

D

● PIHIK B ER K

TION PEC NS

HDI conducts personal inspections to ensure products are manufactured to the highest quality without compromise, handled carefully with all ingredients tested at their source and final formulations stable over extended periods of time.

• Manufacturing Facility Inspection NAGEMEN TI MA TY • Detailed audit on the manufacturing process of each product • Setting the tolerances and standards for quality control • Ingredient inspection and verification (source, handling and storage) • Process inspection • Final product output standard verification • Extended stability testing • Proper distribution/storage to manage quality and freshness of the products • Working with governments to ensure 100% documentary compliance in the importation and distribution of all products HDI QU AL I

I SL A

MALAYSIA ●

D

●

Badan Pengawas Obat dan Makanan (Indonesia)

Federation of Islamic Associations of New Zealand Incorporated

YS I

EM

A

L

AH

Majelis Ulama Indonesia

ysia JAK alaAJUAN ISLAM MALA IM K

Z

J A BA TA N

CI

A

SO

F ISLAM N O IC

I

land ZeaIONS OF N FIA EW AT EA

Pihak Berkuasa Kawalan Dadah (Malaysia)

.

.

w

G RU

|Food and Drug Regulators

Corporate Profile

. MU

NZ AND INCOR PO RATE

Islamic Food and Nutrition Council of America

US Food and Drug Administration

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sia one nd

AS

.

A IFANCA US

I

|Manufacturing Standards Organisations

|HDI Quality Management Inspection

HALAL Certified / Conforms to HALAL Standards

Current Good Manufacturing Practices

Ne

International Organization for Standardization

T HE

HDI mark of quality

BADAN

POM RI

Money Back Guarantee We are committed to providing a great experience when you purchase our products. And that is what our Mark stands for. If you are unsatisfied with your product for any reason, we will be happy to offer you a full refund*. We also welcome all feedback so that we can keep improving and in turn, make you happier.

*Terms apply.

associations and partnerships

HDI is also associated with the following Organisations: Apimondia International Federation of Beekeepers’ Associations

Health Sciences Authority

Direct Selling Association of Malaysia

Assosiasi Penjualan Langsung Indonesia

Komite Olahraga Nasional Indonesia (KONI)

Olympic Council of Malaysia (OCM)

Natural Products Association

|Affiliation

|Direct Selling Associations

Philippine Olympic Commitee (POC)

|Sports Commissions

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Corporate Profile

our brands |HDI Origins

HDI Origins is the evolution of our original High-Desert brand in 1986. Harvested from the High Southwest Desert and rocky mountain regions of USA – a wild, pristine environment with a variety of plants blooming from spring through autumn – our premium pollen, propolis, royal jelly and honey based products are natural, pure and of the highest quality.

• Carefully selected ingredients to ensure freshness and potency.

• Cold stored to preserved bioactivity and nutrients.

• Stringent laboratory testing in Germany to ensure finished products are effective and meet international standards.

|HDI Kids

HDI Kids is a series of bee-based supplements and products that are specially made for children between the ages of 2-12 years old. Formulated with key vitamins and minerals to balance childrens’ nutrition, HDI Kids can help boost their physical, mental and emotional development.

ki ds

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Corporate Profile

our brands |HDI Naturals

HDI Naturals is our brand of natural food products such as honey and propolis lozenges developed to enhance overall health and well-being. Made from the purest, highest-quality ingredients sourced from pollution-free environments, they are considered functional foods with health benefits.

|HDI Pure

HDI Pure is our brand of homecare products that helps make clean and healthy living possible. Our HDI PURE FTEC-1 Water Purifier comes with a three-stage filtration system that consists of activated carbon, coral and a state-of-theart Filar Technology membrane consisting of 1,728 specially treated FilartechTM fibers that loop within the unit. It also has a simple, compact and elegant design with a unique 360-degree swivel nozzle, taking up little space on kitchen countertops.

|Bee Botanics

Bee Botanics represents the age-old harmony between bees and plants. Our body, bath and oral care products are made from pure, natural active ingredients derived from both bees and plants that work synergistically to protect and nourish you. Safe, effective and of the highest quality, Bee Botanics combines the best of the nature of bees, the medicine of plants and the science of man to Protect and Nourish, Naturally.

naturals

pure

bee botanics

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Corporate Profile

our brands |BSKIN

BSKIN is a completely unique skincare brand anchored on the harmony and balance of nature’s most effective anti-oxidant ingredients, acting synergistically to improve the quality of facial skin. We have combined this with our knowledge in technology, to develop innovative aesthetic devices that boost product penetration and efficacy. Specially formulated for Asian skin with no harmful ingredients and preservatives, all BSKIN products are allergen-free, dermatologically tested and clinically proven to give you the results you have always wanted.

|Bodivance

Bodivance is our fitness and sports nutrition brand. Comprising both natural supplements and topical applications, Bodivance helps athletes and sports enthusiasts perform at their best.

For

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Corporate Profile

Advanced

Body

Performance

our brands |MDxCare

Designed by Doctors, Backed by Science. MDXcare evolved from a physician’s quest to provide a holistic approach towards medical care. By combining medical treatments with scientifically proven natural supplementation, doctors are better equipped to support the needs of patients in both prevention and cure.

|Propoelix

Propoelix is the result of an extensive 20-year research program by HDI, aided by world renowned propolis expert Dr. Vassya Bankova. It is a proprietary extract of propolis specifically designed to act as an immunomodulator due to its potency and bioavailability. Clinical trials have shown that Propoelix is an effective treatment for dengue hemorrhagic fever and initial studies with cancer, AIDs and leukaemia are extremely promising.

These brands are made for doctors and are available in clinics and hospitals.

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Corporate Profile

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Corporate Profile

programs |HDI EASI GLOBAL Marketing Plan

HDI’s EASI Global Marketing Plan is a unique hybrid unilevel plan that allows HDI enterprisers to sponsor downlines from any country without having to re-register in those countries. Bonus computation is automatically processed and paid out monthly. Since 1986, HDI has never delayed or missed a bonus payment.

• Top Selling Bonus • New Downline Override Bonus • Override Bonus (non-breakaway) • Infinity Group Performance Bonus • Leader Group Override Bonus • Royalty Awards

|HDIvolution Education

HDIvolution is a revolutionary education system designed to impart life skills to individuals so as to help them evolve.

Under the HDIvolution framework, enterprisers adopt the “learn-practice-do-teach” methodology to understand and experience the following: • Selling and Marketing • Forming Partnerships • People Management • Leadership Skills • Life Coaching • Brand Ambassadorship Trainers are usually fellow enterprisers with prior experience who are happy and willing to share their knowledge. From learning how to dress better to public speaking, running events, customer service and the like. HDIvolution also creates the opportunity for people to feel valued and important in society.

|Enterprise Centre

HDI’s Enterprise Centre Program is a franchise system that allows enterprisers an additional business opportunity – to run their own HDI Enterprise Centres. To date, HDI has over 210 Enterprise Centres. Divided into 3 categories: Enterprise Family Centre, Enterprise Learning Centre and Enterprise Brand Centre, each centre is designed to be a warm, welcoming environment for anyone to learn about HDI and experience its products. Learning and Brand Centres have additional training facilities as well as consultation rooms for doctors to provide free health advice to patients.

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Corporate Profile

programs

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|Medical Consultant Program

HDI’s Medical Consultant Program was created in 2008 to recognize the growing number of doctors joining our ranks due to the effectiveness of our products. To date, we have 40 doctors working tirelessly to provide free medical medical advice, conduct health seminars and facilitate case studies using HDI products. They are doctors not just of science, but also of nature in the way they understand the power of holistic medical treatments. We recognise them annually for their efforts through our Medical Consultant Outstanding Service Awards.

|Rewards and Recognition

Designed to reflect the dynamism and uniqueness of the brand, all HDI recognition awards are given in appreciation of the efforts of the enterprisers. With the higher achievement trophies gilded with precious metals, the HDI trophies are valuable works of art to be displayed proudly in any home or office.

|Trips

HDI has annual incentive trips for its enterprisers. Under the HDI Explore World & Asia Program, qualifying enterprisers get to travel with their families to international destinations while the Diamond Summit winners are treated to an all-expense-paid luxury holiday in their home countries. HDI also often runs promotions that give enterprisers the opportunity to travel and expand their horizons.

Corporate Profile

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Corporate Profile

MILESTONES High-Desert Philippines is incorporated and becomes the first and biggest network marketing company in the country. HighDesert is accredited by the Philippine Bureau of Food and Drugs.

High-Desert Malaysia opens its doors and becomes an industry pioneer. Its products are accredited by the Drug Control Authority of Malaysia.

High-Desert Hong Kong is set up as a branch of High-Desert Philippines to cater to the demands of the Filipino community there. Later, it becomes a fully-fledged independent operation.

High-Desert diversifies into real estate development, finance, stock brokerage and outdoor advertising in the Philippines.

High-Desert Singapore is founded and begins importing bee products from the USA. Without a budget for advertising, it distributes products directly via individuals or what we now know as network marketing.

High-Desert products are enjoyed by George H.W. Bush, President of the United States.

High-Desert becomes the official health food sponsor of the Olympic Council of Malaysia.

High-Desert products are enjoyed by Bill Clinton, President of the United States.

High-Desert introduces its first water filtration system, the PCT 2000.

1991

1987 1986

1988

1990 1989

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Corporate Profile

1992

MILESTONES

HDI diversifies into Management Services, turning department spin-offs into companies, namely HDI Resource and HDI System Technologies, Inc.

High-Desert Indonesia officially opens its doors.

HDI Nutrients, Inc., a research and development facility in Arizona, USA is incorporated.

High-Desert products are accredited by different HALAL authorities.

HDI Foundation, a non-profit organisation dedicated to providing access to education for underprivileged children is set up. For the first time in history, top High-Desert distributors are given the opportunity to become shareholders of the company.

High-Desert Indonesia holds its first ever Regional Convention in Surabaya, Indonesia.

Senator Tom Harkin pushes the US National Institute of Health to set up the Department of Alternative Medicine after experiencing first hand the wonders of Aller-Bee-Gone in curing his allergies.

High-Desert makes its mark in the region as the fastest growing network marketing company in Asia. It also becomes the official Health Supplement partner of Komite Olahraga Nasional Indonesia (KONI) or the National Sports Committee of Indonesia.

High-Desert undergoes a branding revamp and is now known as HDI (High-Desert International) worldwide. It also introduces Dynamic 3 and Kids 3 to cater to provide adults and children with the nutritional supplements ideal for their age groups.

Philippine Basketball MVP (Most Valuable Player), Alvin Patrimonio officially endorses High-Desert products.

High-Desert launches its second generation water filter product, HDI Pure PCR 200.

The first HDI Foundation School is built.

1994 1993

HDI Securities Inc receives an award from the Philippine Stock Exchange (PSE) for being one of the fastest-growing foreign-owned Brokerage Houses.

2006 2005

1995

2008

2001 29

Corporate Profile

MILESTONES HDI opens its 7th international office in Macau.

Brandon Chia, is appointed as Chairman and CEO of the HDI Family of Companies.

Sekolah Selamat Pagi school and dormitory for orphans, the culmination of Vision 2010, officially opens its doors, housing 100 orphans.

HDI Indonesia becomes the corporate HQ of the network marketing business group with the acquisition of its own 9 storey building in Menteng, Jakarta. It also launches its new corporate identity to celebrate its 20th year in Indonesia.

HDI Admix is set up to consolidate the advertising business group in the Philippines. It opens its doors to a 3,000 square metre integrated headquarters, making it one of the biggest outdoor advertising companies in the country.

HDI Introduces its 3rd generation and patent-registered product, FilartechTM (FTEC) Water Filter.

HDI celebrates its 20th anniversary in the Philippines.

HDI enters the skincare market with BSKIN BB Cream. BSKIN BB Cream uses HDI’s latest patented Microcap technology.

HDI also launches its revolutionary extensivelyresearched product line, Propoelix.

live learn love

HDI expands its warehousing in Singapore and Indonesia with the acquisition of 2 new warehousing facilities.

It launches Family, its new magazine, and the term distributors is officially changed to “enterprisers” to reflect their growing independence.

The HDI Global Plan that allows enterprisers to sponsor downlines internationally is also announced to great fanfare, creating the first truly borderless system for enterprisers to build their network. HDI One, an online

HDI joins Apimondia, the International Federation of Beekeepers’ Associations which promotes scientific, ecological, social and economic apicultural development in all countries.

2015

2011 2010 2009 30

Corporate Profile

business intelligence platform that allows enterprisers to track their business growth is made available. Bee Botanics, HDI’s newest brand, is revealed. HDI also branches out anew with MDxCare, its line of natural supplements that are designed by doctors and backed by science.

The HDI Learning Centre is officially opened in Indonesia as the prototype for all future enterprise centres to follow.

2014

2012 2013

SUMMARY

HDI is a strong, financially stable organisation with growing reputation as a learning institution coupled with excellent product quality and service standards.

It is distinguished by its multi-industry expertise and continues to deliver on its promise to provide opportunities, health and guidance to anyone striving for a better life.

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Corporate Profile

CONTACT HDI family of companies |Social Network Marketing

HDI Indonesia (Corporate HQ) Menteng Office Park, 7th Floor Jalan Probolinggo No. 18, Menteng Jakarta Pusat 10350 Tel.: +62 21 29 499 200 Fax: +62 21 29 499 201 HDI Singapore Blk 211 Henderson Road #08-03 Singapore 159552 Tel.:+65 6273 9277 Fax: +65 6273 3692 HDI Malaysia 181, Ss2/24, 47300 Petaling Jaya, Selangor, Malaysia Tel.: +603 7875 0906/8 Fax: +6303 7875 3129

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|Licensing

HDI Nutrients, Inc. 210 South Beck Ave., Chandler Arizona 85226 USA Tel.: +1 480 497 1074 Fax: +1 480 966 9640

|Trade And Logistics

Macroserve Pte. Ltd. Blk 211 Henderson Road #08-03 Singapore 159552 Tel.:+65 6273 9277 Fax: +65 6273 3692

Corporate Profile

HDI Hong Kong Shop 322, 3/F, Worldwide Plaza, No. 19, Des Voeux Road Central, Hong Kong Shop 306, 3/F, Causeway Bay Shopping Center, Sugar Street Causeway Bay, Hong Kong Tel.: +852 2893 3631 Fax: +852 3101 9289 HDI Philippines Unit 302, 3/F, Jollibee Plaza, F. Ortigas Jr. Road, Brgy. San Antonio, Ortigas Centre, Pasig City Philippines 1605 Tel.: +632 635 2431 to 33

CONTACT HDI family of companies |Property Holdings

|Financial Services Pt Gaia Care International Menteng Office Park, 7th Floor Jalan Probolinggo No. 18, Menteng Jakarta Pusat 10350 Tel.: +62 21 29 499 200 Fax: +62 21 29 499 201

Stanford Finance Corporation 4/F, A. Francisco Gold Condominium I 784 EDSA, West Kamias Quezon City, Philippines 1102 Tel.: +632 925 5086 / +632 927 5911 to 12 URL: www.stanfordfinancecorp.com

Hillcroft Philippines, Inc. 4/F, A. Francisco Gold Condominium I 784 EDSA, West Kamias Quezon City, Philippines 1102 Tel.: +632 925 5066

HDI Securities, Inc. Suite 2305A, 23/F, The Orient Square F. Ortigas Jr. Road Brgy. San Antonio, Ortigas Centre Pasig City, Philippines 1605 Tel.: +632 687 7955 to 57 URL: www.hdisecurities.com

Capital Growth 4/F, A. Francisco Gold Condominium I 784 EDSA, West Kamias Quezon City, Philippines 1102 Tel.: +632 925 5066

|Advertising HDI Admix, Inc. 159 Ermin Garcia St., Brgy. E. Rodriguez Sr. Cubao, Quezon City, Philippines 1109 Tel.: +632 921 4754 / +632 921 0122 URL: www.hdiadmix.com

|Management Services HDI Resource Inc. 3/F, A. Francisco Gold Condominium I 784 EDSA, West Kamias Quezon City, Philippines 1102 Tel.: +632 927 5913 URL: www.hdiresource.com HDI System Technologies, Inc. Suite 2305B, 23/F, The Orient Square F. Ortigas Jr. Road Brgy. San Antonio, Ortigas Centre Pasig City, Philippines 1605 Tel.: +632 650 0227 / +632 650 0207 URL: www.hdisystech.com

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visit

www.hdi.com facebook.com/hdionefamily instagram.com/hdionefamily