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Managing Delinquency Sample Reports LOAN PORTFOLIO ANALYSIS

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Collection Due Report 10/05/2000 BayWalk Bank, Inc. Page : 1 10:27:46pm Head Office COLLECTION DUE Through 10/05/ BORROWERS LOAN ACCT. AMORTIZATION PRINCIPAL INTEREST OTHER LOAN SAVINGS TOTAL AMOUNT AMOUNT LOAN AMOUNT PORTFOLIO SAVINGS NAME NUMBER DUE DATE DUE DUE CHARGES DUE DUE RECEIVED OVERDUE AT RISK OVERDUE ACCOUNT OFFICER :101 Edgar Allan Poe M T W Th F Ttl Acuesa, Artemia /02/ ___³___³___³___³___³___ Adella, Nieves /02/ ___³___³___³___³___³___ Albiza, Elena /02/2000 1, , ___³___³___³___³___³___ Amorin, Mamerta /04/ ___³___³___³___³___³___ Ampo, Jeany /04/ ___³___³___³___³___³___ Andamon, Elizabeth /29/2000 1, , ___³___³___³___³___³___ Anib, Merlyn /03/ ___³___³___³___³___³___ Antipolo, Rosalinda /29/ ___³___³___³___³___³___ Arena, Rosemarie /02/ ___³___³___³___³___³___ Asupan, Ludy /02/ ___³___³___³___³___³___ Bantayan, Judith /02/ ___³___³___³___³___³___ Batitay, Angelo /28/2000 2, , , ___³___³___³___³___³___ , Bautista, Juliet /02/ , ___³___³___³___³___³___ Beldad Jr., Nicolas /29/ ___³___³___³___³___³___ Bolonos, Dioscora /02/ ___³___³___³___³___³___ Boncales, Gloria /04/ ___³___³___³___³___³___ Cabigas, Cristina /02/2000 1, , ___³___³___³___³___³___ Campilanan, Erlinda /04/ ___³___³___³___³___³___ Canillo, Dolores /04/2000 1, , ___³___³___³___³___³___ Cecilio, Marita /29/ ___³___³___³___³___³___ Codilla, Erlinda /04/ ___³___³___³___³___³___ Cordero, Rebecca /04/2000 2, , ___³___³___³___³___³___ Dela Salde, Raul /03/ , ___³___³___³___³___³___

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Listing of Loans M10/03/2000 BayWalk Bank, Inc. Page : 1 11:45:00pm Head Office LISTING OF LOANS As of 09/27/ BORROWERS LOAN ACCT. CUMULATIVE DATE OF DATE OF AMOUNT OF LOAN ACCOUNT AMORTIZATION LOAN AMOUNT PORTFOLIO HOLD OUT NAME NUMBER LOAN DISB. MATURITY LOAN DISB. BALANCE AMOUNT OVERDUE AT RISK BALANCE ACCOUNT OFFICER :101 Edgar Allan Poe Acuesa, Artemia /05/ /04/2000 3, , Adella, Nieves /01/ /30/2000 3, , Aguinaldo, Meriam /20/ /20/2000 5, , , Albiza, Elena /25/ /23/ , , , , Amorin, Mamerta /14/ /10/ , , Ampo, Jeany /31/ /29/2000 3, , Andamon, Elizabeth /28/ /27/ , , , , Anding, Encarnacion /29/ /27/2000 5, , , Anib, Merlyn /12/ /10/2000 5, Antipolo, Rosalinda /04/ /01/2000 5, , , Arena, Rosemarie /15/ /13/2000 5, , Asio, Aida /27/ /27/2000 7, , N/A Asupan, Ludy /11/ /09/2000 6, ,

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Client Status Report M10/04/2000 BayWalk Bank, Inc. Page : 1 01:27:00am Head Office CLIENT STATUS REPORT As of 09/27/2000 Name of Client : Layug, Nenet B. Client Code : Address : Loan Sector : Other Loan Performance of Previous Loan Cumulative Loan Account Date Amount of Loan # Amortizations # Late Maximum % Amortizations Business Loan Number Disbursed Disbursed Amortizations Days Late Made on Time Activity /03/ , % Other Loan /01/ , % Other Loan Current Loan Information Loan Date : 12/01/1999 # Amortizations : 12 Loan Amount : 14, # Amortizations Expected(to date) : 12 # of Amortizations Made on Time(to date) : 0 % Made on Time(to date): 0.00% Amortization Number Amortization Amount Amortization Due Date Amortization Paid Date Amortization Status Days Late 1 1, /14/ /24/1999 Paid Late , /21/ /28/1999 Paid Late 7 3 1, /28/ /04/2000 Paid Late 7 4 1, /04/ /16/2000 Paid Late , /11/ /16/2000 Paid Late , /18/ /16/2000 Paid Late , /25/ /03/2000 Paid Late , /01/ /03/2000 Paid Late , /08/ /03/2000 Paid Late , /15/2000 Overdue , /22/2000 Overdue , /29/2000 Overdue 212

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Delinquency Report M10/04/2000 BayWalk Bank, Inc. Page : 1 00:51:55am Head Office DELINQUENCY REPORT AS OF 09/27/ BORROWERS LOAN ACCT DATE AMT. OF LN. PORTFOLIO TOTAL AMOUNT # OF LN AMORT DAYS HOLDOUT EXPOSED NAME NUMBER DISBURSED MATURITY DISBURSED AT RISK DUE MISSED OVERDUE BALANCE AMOUNT ACCOUNT OFFICER :101 Julia Roberts Mabual, John /11/ /09/2000 5, , , Ollegue, Aguida /18/ /14/ , , , Paraiso, Juana /26/ /25/2000 3, , , , Villote, Michael /18/ /14/ , , , , Sub-Total -> 4 acct(s) 43, , , , ACCOUNT OFFICER :104 Renee Zelwegger Amatong, Merlie /25/ /23/2000 5, , , Caminoy, Rosalinda /27/ /25/ , , , Sub-Total -> 2 acct(s) 15, , , ,563.69

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Portfolio-at-Risk Report

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Interest Collected by MFU

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Performance Report by AO

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MF Monthly Report

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PAR Aging & Business Activity 10/04/2000 BayWalk Bank, Inc. Page : 1 01:04:48am Head Office PORTFOLIO AT RISK BY AGING ANALYSIS and BUSINESS ACTIVITY As of 09/27/ Number of Business Activity No. of Loans No. of Loans Outstanding Business Activity Portfolio Portfolio at Borrowers As a % of Grand Total with overdue with overdue Loan As a % of Grand Total At Risk Risk (%) (subtotal/grandtotal) Amounts Amount % Portfolio (subtotal/grand total) (# of Loans) (Amount of Loans) SUKI-Tricycle Operator Current % 65, % days % 1, , % days % % days % % days % % days % % Over 90 days % % SUB-TOTAL % % 66, % 1, % SUKI-Fruit Vendor Current % 73, % days % % days % % days % % days % % days % % Over 90 days % % SUB-TOTAL % % 73, % % SUKI-Vegetable Vendor Current % 50, % days % % days % % days % % days % % days % % Over 90 days % % SUB-TOTAL % % 50, % %

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PAR by Loans Disbursed 10/04/2000 BayWalk Bank, Inc. Page : 1 01:04:59am Head Office PORTFOLIO AT RISK SORTED BY DISBURSED LOAN AMOUNT AND BUSINESS ACTIVITY As of 09/27/ Number of Business Activity No. of Loans No. of Loans Outstanding Business Activity Portfolio Portfolio at Borrowers As a % of Grand Total with overdue with overdue Loan As a % of Grand Total At Risk Risk (%) (subtotal/grandtotal) Amounts Amount % Portfolio (subtotal/grand total) (# of Loans) (Amount of Loans) SUKI-Tricycle Operator Less than 5, % 15, , % 5, to 10, % 38, % 10, to 25, % 13, % 25, to 50, % % 50, to 100, % % over 100, % % SUB-TOTAL % % 66, % 1, % SUKI-Fruit Vendor Less than 5, % 1, % 5, to 10, % 25, % 10, to 25, % 24, % 25, to 50, % 22, % 50, to 100, % % over 100, % % SUB-TOTAL % % 73, % % SUKI-Vegetable Vendor Less than 5, % 15, % 5, to 10, % 15, % 10, to 25, % 20, % 25, to 50, % % 50, to 100, % % over 100, % % SUB-TOTAL % % 50, % %

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Loans Profile by Gender M 10/05/2000 BayWalk Bank, Inc. Page : 1 05:35:38am Head Office LOANS PROFILE BY GENDER As of 09/27/ NO. OF NO. OF LOANS NO. OF LOANS WITH OUTSTANDING LOANS PORTFOLIO PORTFOLIO BORROWERS WITH OVERDUE AMTS OVERDUE AMTS(%) PORTFOLIO AT RISK AT RISK(%) MALE % 841, , % FEMALE % 2,215, , % GRAND TOTAL % 3,056, , %

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MF Performance Report 1

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MF Performance Report 2

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