MS. NETTE T. CABARDO is currently the Operations Manager – Loans Division for AG Finance, Inc. Prior to this, she served as the Project Officer Investment Division for the Armstrong Group. She was also the Executive Secretary reporting to the President of Philippine International Air Terminals Co., Inc. and was the Legal Secretary for a Managing Partner in Roco Kapunan Migallos Perez and Luna Law Offices. Ms. Cabardo has a Master in Business Administration from the Central Colleges of the Philippines as well as a graduate of Polytechnic University of the Philippines with a major in Accounting.