Michelle Angeli T. Hernandez

Ms. Hernandez, 50, Filipino, is the Chief Risk Officer of the Company. She is likewise the Vice President for Governance and Chief Risk Officer of Belle Corporation, and APC Group, Inc.’s Chief Risk Officer. She is mainly responsible for developing, implementing and managing various strategies, processes and policies related to Corporate Governance, Enterprise Risk Management and Corporate Affairs for the Company and its subsidiaries. She has a bachelor’s degree in Tourism (Cum Laude) from the University of Sto. Tomas.