2019 Annual Report 2019 in a Snapshot Contents
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C O V E R S H E E T for AUDITED FINANCIAL STATEMENTS SEC Registration Number 2 9 3 1 6 C O M P A N Y N A M E R O B I N S ON S BANK CORPORATI ON AND SUBSI D I ARY PRINCIPAL OFFICE ( No. / Street / Barangay / City / Town / Province ) 1 7 t h Fl o o r , G a l l e r i a Co r p o r a t e Ce n t e r , EDSA c o r n e r O r t i g a s A v e n u e , Qu e z o n Ci t y Form Type Department requiring the report Secondary License Type, If Applicable 1 7 - A C O M P A N Y I N F O R M A T I O N Company’s Email Address Company’s Telephone Number Mobile Number www.robinsonsbank.com.ph 702-9500 N/A No. of Stockholders Annual Meeting (Month / Day) Fiscal Year (Month / Day) 15 Last week of April December 31 CONTACT PERSON INFORMATION The designated contact person MUST be an Officer of the Corporation Name of Contact Person Email Address Telephone Number/s Mobile Number Ms. Irma D. Velasco [email protected] 702-9515 09988403139 CONTACT PERSON’s ADDRESS 17th Floor, Galleria Corporate Center, EDSA corner Ortigas Avenue, Quezon City NOTE 1 : In case of death, resignation or cessation of office of the officer designated as contact person, such incident shall be reported to the Commission within thirty (30) calendar days from the occurrence thereof with information and complete contact details of the new contact person designated. -
(Leaders, Experts, and Advocates
PROGRAM NAME OF PROVIDER ACCREDITATION. TITLE OF THE PROGRAM NO. 2009 Pharmacist LEADS (Leaders, 1 Pfizer, Inc. 2009-003-001 Experts, and Advocates on Drug Safety) Philippine Society for Parenteral 5th Annual PhilSPEN 2 and Enteral Nutrition (PHILSPEN), 2010-006-002 Convention Inc. University of the Philippines, Teaching Clinical Pharmacy: 3 2010-007-003 College of Pharmacy Competency Based Approach 2010 4 Pfizer, Inc. 2009-003-004 Pharmacist LEADS 5 Pfizer, Inc. 2009-003-004 Pharmacist LEADS 6 Pfizer, Inc. 2009-003-004 Pharmacist LEADS 7 Pfizer, Inc. 2009-003-004 Pharmacist LEADS 8 Pfizer, Inc. 2009-003-004 Pharmacist LEADS University of the Philippines, Teaching Clinical Pharmacy: 9 2010-007-005 College of Pharmacy Competency Based Approach Philippine Association of Hospital Formulary and 10 Pharmacists in the Pharmaceutical 2010-005-006 Cascade of ACCSQ-PWG Industry (PAPPI) Meetings Philippine Society for Parenteral 6th Annual Convention 11 and Enteral Nutrition (PHILSPEN), 2010-006-007 Theme: Clinical Nutrition: Inc. Basic Revisited Optimum Health Outcomes Unilab Medical Education & 12 2009-002-008 Through Medication Safety Development (UMED) (Module 2) 2011 The Quality of Health in Our 13 Pfizer, Inc. 2009-003-009 Hands Watsons Pharmacists 14 Watsons Personal Care Store 2010-004-010 Stepping Up to Help People Get More from Life Teaching Clinical Pharmacy: 15 College of Pharmacy, UP Manila 2010-007-011 Competency Based Approach Pharmacist LEADS-The 16 Pfizer, Inc. 2009-003-012 Quality of Health in Our Hands Philippine Pharmacists Association, Asian Conference on Clinical 17 2009-001-013 Inc. Pharmacy 2011 (ACCP 2011) Health and Wellness Watsons Personal Care Stores 18 2010-004-014 Counsellor Training Program- (Phils.) Dermatological and Asthma Clinical Skills Improvement 19 UP College of Pharmacy 2010-007-015 for Ambulatory and In-patient Services Philippine Society for Parenteral Evolutions and Revolutions in 20 and Enteral Nutrition (PHILSPEN), 2010-006-016 Nutrition Therapy Inc. -
ROBINSONS BANK CORPORATION List of Branches As of August 2020
ROBINSONS BANK CORPORATION List of Branches as of August 2020 NO. BRANCH NAME ADDRESS 1 ACACIA LANE - SHAW BLVD. G/F Padilla Bldg. 333 Shaw Boulevard, Brgy. Bagong Silang, Mandaluyong City 2 ADRIACTICO [PADRE RADA] G/F Robinsons Place Manila, Adriatico Street, Ermita, Manila City G/F Unit 4, El Molito Commercial Complex, Madrigal Avenue cor Alabang-Zapote Road, Alabang, 3 ALABANG Muntinlupa City 4 ANGELES Level 1 Robinsons Place Angeles, McArthur Highway, Balibago, Angeles City, Pampanga Unit 169-A, Robinsons Place Antipolo, Sumulong Highway/Circumference Avenue, Dela Paz, 5 ANTIPOLO Antipolo City 6 ANTIQUE Level 1-116, 117 & 118 Robinsons Place Antique, Brgy. Maybato, San Jose de Buenavista, Antique Unit 7A Commercial Space, The Beacon Makati, A. Arnaiz Avenue corner Chino Roces Ave, Makati 7 ARNAIZ AVE City G/F Don Norberto & Doña Salustiana Ty Building, #403 Asuncion Street corner San Nicolas Street, 8 ASUNCION BINONDO Binondo, Manila 9 AYALA 6780 G/F JAKA 1 Building, Ayala Avenue, Makati City 10 BACOLOD CAPITOL R. PERFORMANCE Building A 62-64 Narra Avenue, Capitol Shopping Center, Bacolod City Level 1 C2002, The Central Citywalk, Robinsons Place Bacolod, Lacson Street, Mandalagan, 11 BACOLOD CITY Bacolod City, Negros Occidental 12 BACOOR Units 1 & 2, Apollo Mart Building, #369 Gen. Aguinaldo Highway, Talaba 4, Bacoor, Cavite 13 BACOOR MOLINO BLVD. G/F Main Square Bacoor, Molino Boulevard, Bacoor City, Cavite 14 BAGUIO G/F, ECCO/EDGARDOMCO REALTY CORP. Bldg., #43 Assumption Road, Baguio City 15 BAIS Corner Quezon and Burgos Streets, Bais City, Negros Oriental 16 BALAGTAS G/F 103-1 Balagtas Town Center, McArthur Highway, Borol 1st, Balagtas, Bulacan 17 BALANGA G/F, R & R Building, Don Manuel Banzon Avenue, Doña Francisca, Balanga City, Bataan 18 BALAYAN G/F Stalls Numbers 2, 3 & 4 Balayan Public Market, Plaza Mabini Street, Balayan Batangas 19 BANAWE (FORMERLY PASAY) Store No. -
SUMMARY of DONATION (DOMESTIC-RECEIVED ) As of 22 May 2020
SUMMARY OF DONATION (DOMESTIC-RECEIVED ) as of 22 May 2020 DATE DONOR SECTOR TYPE PARTICULARS AMOUNT RECIPIENT UPDATES 24-Mar-20 Maynilad Private In-Kind Purified Drinking Water 6,048.00 Office of Civil Defense Distributed 27-Mar-20 San Miguel Corp. Private In-Kind Alcohol 20 liters per gallon Office of Civil Defense Distributed 28-Mar-20 Pepsi Corp. Private In-Kind Purified Drinking Water 84,000.00 Office of Civil Defense Distibuted Private In-Kind Non Sterile Proctective Suit Office of Civil Defense Distributed Anonymous donor through Presidential 30-Mar-20 Private In-Kind Face Mask (surgical type) Office of Civil Defense Distributed Management Staff Private In-Kind Gloves (Surgical) Office of Civil Defense Distributed Private In-Kind Surgical Gloves 200,000.00 For distribution tp other beneficiaries Private In-Kind Personal Protective Clothing 1,279,700.00 For distribution tp other beneficiaries Private In-Kind Raincoat 300,000.00 Distributed 04-Apr-20 SM Foundation Office of Civil Defense Private In-Kind Shoe Cover 100,000.00 Distributed Private In-Kind Kn95 Masks 82,000.00 Distributed Private In-Kind Surgical Face Masks 1,000,000.00 Distributed Private In-Kind Alcohol 438,000.00 Distributed Private In-Kind Mask(surgical) Office of Civil defense Distributed 06-Apr-20 Fastel Service Inc. Private In-Kind 25 kls Sacks of Rice Office of Civil Defense Distributed 07-Apr-20 Philippine Spring Water resources Inc. Private In-Kind Purified Drinking Water(500 ml) 6,048.00 Office of Civil Defense For Distribution to other beneficiaries 08-Apr-20 Trend Micro Private In-Kind Surgical Face Masks Office of Civil Defense For Distribution to other beneficiaries Civil Society In-Kind Kn95 Masks 12,375,000.00 Office of Civil Defense Federation of Indian Chambers of Commerce (PH) 09-Apr-20 Distributed Inc. -
Part 1:Mall Culture and Brand Awareness Among the Socioeconomic Classes in Metro Manila
Public-Interest Incorporated foundation Research Institute for High-Life Japan-Asia Collaborative Research Project Study report "The New Trends in Asian Urban Lifestyle" "The New Trends in Urban Lifestyle in Manila” (serial in 4 parts) Part 1:Mall culture and brand awareness among the socioeconomic classes in Metro Manila Principal Author: Carlos Luis L. Santos Japanese Language lecturer, Ateneo de Manila University Research field: Comparative Culture of Japan and the Philippines (see reference page for details) Foreword The Republic of the Philippines has a population of around 100 million. Its citizens enjoy a unique lifestyle influenced by a mixture of Asian, Spanish, and American culture. Filipinos also currently view Japan in a positive light. Geographically, it is surrounded by the South China, Celebes, and Philippine seas, and has a land area of around 300,000 square kilometres (around 80% of Japan’s land area). It is an archipelago of more than 7000 islands. Manila, in the National Capital Region of the Philippines, has favourable access conditions as one of the major cities in Asia. Moreover, with over 20 million inhabitants, it is also one of the world’s most populous cities. Nominal GDP in 2012 reached up to 250 billion dollars, an impressive increase of 6.6% compared to the rest of Asia. With the growth of the middle class population, and continuous urban development, Metro Manila is transforming into a comfortable and globalized metropolis. However, the Philippines is also faced with various political, social, and economic problems. The income disparity across the population is large, the high-income class makes up only 1% of the population, the middle-income class comprises around 9%, and the remaining 90% are low-income class. -
Enduring Strength Growing Momentum
Growing Momentum, Enduring Strength ANNUAL REPORT ANNUAL CONTENTS 01 Vision, Mission and Core Values 38 Corporate Governance 02 Who We Are 45 Risk Management 04 Consolidated Financial Highlights 62 Products and Services 06 Message from the Chairman 66 Branch Directory and the President & CEO 72 Table of Organization 14 Flying High with Cebu Air, Inc.: 74 List of Officers Delivering Innovative Solution to a 76 Committees Reporting to the Board Business Challenge 77 Lending Segment 16 Streamlining Processes: Designing Solutions 79 Business Development Segment/Treasury Fit to Customer Needs 80 Retail Banking Group 18 Going the Extra Mile: Synergy and 81 Operations, Control, and Governance Personalized Service 83 Sustaining Human Capital Growth 20 Celebrating a Decade of Supporting Lives 85 Corporate Social Responsiblity and Making Dreams a Reality 89 Statement of Management’s 22 Promoting Inclusive Growth: Responsibility Bridging Opportunities through 90 Independent Auditor’s Report Accessible Financing 93 Financial Statements 24 Enabling Entrepreneurs: Partnering through 103 Notes to Financial Statements Convenient Access to Capital and 192 Legazpi Savings Bank Financial Literacy 196 JG Summit Businesses 28 Board of Directors 32 Senior Advisory Board 33 Key Officers 34 Board of Directors Profile ABOUT THE COVER Robinsons Bank Corporation (Robinsons Bank or Bank) is one of the fastest growing commercial banks in the Philippines today. The stride embodies the decisive steps the Bank will take to sustain its growth momentum. The establishment of solid foundation enabled the Bank to deliver and fulfill the changing needs of its customers. Further, the stride encapsulates the significant progress the Bank is undertaking to become the Bank of Choice. -
Years of Excellence Through People, Processes, Products 20 and Policies Annual 2017 Report
YEARS OF EXCELLENCE THROUGH PEOPLE, PROCESSES, PRODUCTS 20 AND POLICIES ANNUAL 2017 REPORT Through the years, Robinsons Bank has played a significant role in the banking industry, offering a wide array of innovative financial services with all the convenience of modern technology. It has earned a solid measure of trust and confidence, gaining wide preference as a commercial bank with over two decades of commitment to fulfill the community’s changing needs. Robinsons Bank continuously mounts into greater heights in making banking easier for its clients in every possible way, providing its customers a wider boutique of product and service offerings, flexible financial solutions, branch expansions, and digital improvements. Launch of Personal Online Milestones Banking & Mobile App 125 Acquired the local commercial BRANCHES banking unit of Royal Bank of Scotland (Phils.) Roll out of the Bank’s strategic plan Roadmap 2020. Initial Phase 2 of Roadmap 2020: Phase: Capacity Building Core Income Growth 150* BRANCHES Phase 3: Launch of Robinsons ® Bank UNO Mastercard ATM 22 76 ® * YEARS OF Established as a and Robinsons Bank DOS 253 BRANCHES Savings Bank BRANCHES Mastercard *As of May 31, 2018 EXCELLENCE 1997 2002 2010 2012 2015 2016 2017 THROUGH PEOPLE, Conversion to a Capital Infusion of full-fledged Php 6.4B PROCESSES, PRODUCTS 1 Commercial Bank 146 AND POLICIES BRANCH P BRANCHES Acquired Legazpi Savings Bank Launch of Robinsons Bank (LSB) which has 11 branches Visa Debit Card Acquired 20 branches 56 of ABN AMRO Bank, Inc. 136 BRANCHES BRANCHES Oversubscribed LTNCD issuance of Php 4.1B Robinsons Bank Celebrates 20 Years! Robinsons Bank has always been a bank for the people. -
This Directory Is As of August 04, 2016 METRO MANILA PICK-UP CHANNEL PROVINCE AREA/CITY ADDRESS PALAWAN PAWNSHOP METRO MANILA MANILA 1738 D JUAN ST
METRO MANILA PICK-UP CHANNEL PROVINCE AREA/CITY ADDRESS PALAWAN PAWNSHOP METRO MANILA CALOOCAN CITY UNIT B-5 A. MABINI STREET, CALOOCAN CITY LANDMARK: WITHIN SANGANDAAN PLAZA, A. MABINI PALAWAN PAWNSHOP METRO MANILA CALOOCAN CITY 368 EDSA, CALOOCAN CITY LANDMARK: FRONT OF MCU (MANILA CENTRAL UNIVERSITY) PALAWAN PAWNSHOP METRO MANILA CALOOCAN CITY STALL #1, MARIETTA ARCADE, 1107 GE. SAN MIGUEL ST., SANGANDAAN, CALOOCAN LANDMARK: NEAR UNIVERSITY OF CALOOCAN RD PAWNSHOP METRO MANILA CALOOCAN CITY 149-D AVE., GRACE PARK, CALOOCAN CITY RD PAWNSHOP METRO MANILA CALOOCAN CITY A1 LTL BLDG. CAMARIN RD. COR. SIKATUNA AVE. URDEJA V CARD BANK METRO MANILA LAS PIÑAS CITY BRGY E. ALDANA REAL ST. LAS PIÑAS CITY PALAWAN PAWNSHOP METRO MANILA LAS PIÑAS CITY 407 ALABANG-ZAPOTE RD., TALON 1, LAS PINAS LANDMARK: FRONT OF MOONWALK MARKET PALAWAN PAWNSHOP METRO MANILA LAS PIÑAS CITY 487 ALMANZA GREGORIO AVENUE, LAS PIÑAS CITY LANDMARK: NEAR SM SOUTH MALL PALAWAN PAWNSHOP METRO MANILA LAS PIÑAS CITY 325 DE GUZMAN COMPOUND, REAL ST. PULANG LUPA 1, LASPINAS CITY LANDMARK: NEAR SHELL STATION PALAWAN PAWNSHOP METRO MANILA LAS PIÑAS CITY UNIT H, ZAPOTE-ALABANG RD, PAMPLONA, LAS PIÑAS LANDMARK: NEAR ZAPOTE FLYOVER PALAWAN PAWNSHOP METRO MANILA LAS PIÑAS CITY BLK 2 LOT 12 CAA ROAD, AGUILAR AVE., PULANG LUPA DOS, LAS PINAS CITY LANDMARK: IN FRONT OF MARY QUEEN OF APOSTLES PARISH PALAWAN PAWNSHOP METRO MANILA LAS PIÑAS CITY 400 REAL ST., TALON, LAS PINAS CITY LANDMARK : NEAR PUREGOLD MOONWALK RD PAWNSHOP METRO MANILA LAS PIÑAS CITY BLDG. B, CTC COMM. REAL ST. RD PAWNSHOP METRO MANILA LAS PIÑAS CITY 400 REAL ST. -
Name of Provider Program Accreditation. No. Title Of
PROGRAM TITLE OF THE DATE OF CONDUCT APPROVED NAME OF PROVIDER ACCREDITATION. PLACE CONDUCTED PROGRAM CREDIT UNIT NO. FROM TO 2009 Pharmacist LEADS (Leaders, Experts, and 1 Pfizer, Inc. 2009-003-001 07-May-09 Iloilo 3 Advocates on Drug Safety) 08-May-09 Bacolod Philippine Society for Parenteral 5th Annual PhilSPEN 13-Nov- 2 and Enteral Nutrition 2010-006-002 12-Nov-09 Manila Diamond Hotel 8 Convention 09 (PHILSPEN), Inc. Teaching Clinical University of the Philippines, UP College of 3 2010-007-003 Pharmacy: Competency 15-Oct-09 17-Oct-09 22 College of Pharmacy Pharmacy Based Approach 2010 4 Pfizer, Inc. 2009-003-004 Pharmacist LEADS Jun-10 Cebu 5 5 Pfizer, Inc. 2009-003-004 Pharmacist LEADS Jul-10 San Pablo / Quezon 5 6 Pfizer, Inc. 2009-003-004 Pharmacist LEADS Sep-10 Baguio 5 7 Pfizer, Inc. 2009-003-004 Pharmacist LEADS Nov-10 Ilocos Norte 5 8 Pfizer, Inc. 2009-003-004 Pharmacist LEADS Dec-10 Manila 5 Teaching Clinical University of the Philippines, College of Pharmacy 9 2010-007-005 Pharmacy: Competency 21-Oct-10 23-Oct-10 20 College of Pharmacy and PGH, UP Manila Based Approach Philippine Association of Hospital Formulary and Pharmacists in the 10 2010-005-006 Cascade of ACCSQ-PWG 24-Sep-10 Glaxosmithkline Phils. 3 Pharmaceutical Industry Meetings (PAPPI) Philippine Society for Parenteral 6th Annual Convention 09-Nov- 11 and Enteral Nutrition 2010-006-007 Theme: Clinical Nutrition: 08-Nov-10 Manila Diamond Hotel 12 10 (PHILSPEN), Inc. Basic Revisited Optimum Health Unilab Medical Education & Outcomes Through Galaxias Function 12 2009-002-008 14-Jan-11 8 Development (UMED) Medication Safety (Module Room, Diamond Hotel 2) 2011 The Quality of Health in 13 Pfizer, Inc. -
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C O V E R S H E E T for AUDITED FINANCIAL STATEMENTS SEC Registration Number 2 9 3 1 6 C O M P A N Y N A M E R O B I NS O N S BA N K CO R P O R A T I ON AN D SU B S I D I AR Y PRINCIPAL OFFICE ( No. / Street / Barangay / City / Town / Province ) 1 7 t h Fl oo r , G a l l e r i a Co r p o r a t e Ce n t e r , ED S A co r n e r Or t i g a s A v e n u e , Qu e z o n Ci t y Secondary License Type, If Form Type Department requiring the report Applicable 17 - A C O M P A N Y I N F O R M A T I O N Company’s Email Address Company’s Telephone Number Mobile Number www.robinsonsbank.com.ph 702-9500 N/A No. of Stockholders Annual Meeting (Month / Day) Fiscal Year (Month / Day) 15 Fourth Wednesday of December 31 June CONTACT PERSON INFORMATION The designated contact person MUST be an Officer of the Corporation Name of Contact Person Email Address Telephone Number/s Mobile Number [email protected]. Ms. Irma D. Velasco 702-9515 09988403139 ph CONTACT PERSON’s ADDRESS 17th Floor, Galleria Corporate Center, EDSA corner Ortigas Avenue, Quezon City NOTE 1 : In case of death, resignation or cessation of office of the officer designated as contact person, such incident shall be reported to the Commission within thirty (30) calendar days from the occurrence thereof with information and complete contact details of the new contact person designated. -
BPI Branches with Extended Banking Hours Starting December 9, 2019 up to January 3, 2020
BPI Branches with Extended Banking Hours starting December 9, 2019 up to January 3, 2020 Regular Extended (Dec 9, 2019 up to January 3, 2020) Division Area BR Name BR Code Address Banking Hours Office Hours Banking Hours Office Hours 1 Southern Metro Manila Alabang / Muntinlupa / Las Pinas Alabang South BR00346 Ground Floor South Supermarket, Filinvest, Brgy. Alabang Muntinlupa City 09:00 AM to 04:30 PM 08:30 AM to 05:30 PM 09:00 AM to 05:30 PM 08:30 AM to 06:30 PM 2 Southern Metro Manila Alabang / Muntinlupa / Las Pinas Alabang Town Center BR00159 2/F Madrigal Entrance Alabang Town Center, Brgy. Ayala Alabang Muntinlupa City 1770 10:00 AM to 05:30 PM 09:30 AM to 06:30 PM 10:00 AM to 06:30 PM 09:30 AM to 07:30 PM 3 Southern Metro Manila Alabang / Muntinlupa / Las Pinas Las Pinas BR00830 Real ST. Corner Gemini ST., Pamplona,Alabang Zapote Road, Las Pinas City 09:00 AM to 04:30 PM 08:30 AM to 05:30 PM 09:00 AM to 05:30 PM 08:30 AM to 06:30 PM 4 Southern Metro Manila Alabang / Muntinlupa / Las Pinas Muntinlupa South Park BR01003 South Park National Road Brgy. Alabang, Muntinlupa City 10:00 AM to 05:30 PM 09:30 AM to 06:30 PM 10:00 AM to 06:30 PM 09:30 AM to 07:30 PM 5 Southern Metro Manila Alabang / Muntinlupa / Las Pinas New Alabang BR00033 GF Alabang Zapote Rd. Mall Entrance ,Alabang Town Center, Alabang , Muntinlupa City 09:00 AM to 04:30 PM 08:30 AM to 05:30 PM 09:00 AM to 05:30 PM 08:30 AM to 06:30 PM Upper Ground Floor, SM Southmall, Alabang Zapote Road, Brgy Almanza Uno, Las Pinas 6 Southern Metro Manila Alabang / Muntinlupa / Las Pinas SM Southmall BR00833 10:00 AM to 05:30 PM 09:30 AM to 06:30 PM 10:00 AM to 06:30 PM 09:30 AM to 07:30 PM City 1740 7 Southern Metro Manila Makati Central Glorietta Mall Ground Level BR00006 G/F Unit 1086 Glorietta Mall, Ayala Center, Brgy. -
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IMPORTANT: You must read the following disclaimer before continuing. The following disclaimer applies to the Offering Circular following this page. You are therefore advised to read this disclaimer carefully before reading, accessing, or making any other use of the Offering Circular. In accessing the Offering Circular, you agree to be bound by the following terms and conditions, including any modifications to it from time to time, each time you receive any information from the Issuer, the Sole Issue Manager, Bookrunner and Underwriter, and the Selling Agents (as such terms are defined in the attached Offering Circular). NOTHING IN THIS ELECTRONIC TRANSMISSION CONSTITUTES AN OFFER OF SECURITIES FOR SALE IN ANY JURISDICITON WHERE IT IS UNLAWFUL TO DO SO. THE SECURITIES HAVE NOT BEEN, AND WILL NOT, BE REGISTERED WITH THE PHILIPPINE SECURITIES AND EXCHANGE COMMISSION (THE "SEC"). Confirmation of your representation: This Offering Circular is being sent at your request, and by accepting the email and accessing this Offering Circular, you shall have confirmed that (1) you are a person to whom it is lawful to deliver, or to grant access to the attached Offering Circular through electronic means, and (2) that you consent to the delivery of, or your being granted access to, this document through electronic means. This document has been made available to you in electronic form. You are reminded that documents made available to you through this medium may have been altered or changed during the process of electronic transmission or access, and consequently the Issuer, the Sole Issue Manager, Bookrunner and Underwriter, and the Selling Agents, and their respective affiliates accept no liability or responsibility whatsoever in respect of any difference between this electronic version of the Offering Circular made available to you and the hard copy version.