1st FREEDOM TO DREAM SUMMIT on April 13, 2019!

Viviamo! Inc., makers of the Belle de Jour Power Planner, is spearheading the first Freedom to Dream Summit on April 13,2019 at the Red Carpet Cinema, Shangri-La Plaza. The event is meant to inspire and encourage the Filipino youth to discover their dreams, pursue their passions, and make a difference.

7 out of 10 Filipinos do not have a dream---study

The Dream Project PH, a non-stock and non-profit organization, conducted a survey among teenagers across the country. According to the study, 7 out of 10 Filipinos do not have a dream in life. Reasons include discouraging words from others, a lack of self-esteem, lack of passion, lack of opportunities, and poverty.

Is it any wonder why many Filipinos don’t know who they are and what to do next? Darlyn Ty-Nilo, president of Viviamo and creator of Belle de Jour Power Planner, hopes to change this. “We want to take action,” she shares, “by creating positive conversations on dreaming.” Through this initiative, Darlyn and her team hopes to make lasting change among the Filipino youth by giving them the freedom to dream.

Addressing the needs of Filipino youth

The Freedom to Dream summit will have three plenary sessions, addressing the barriers that contribute to the lack of dreaming.

The first plenary, “Raising Self-Worth,” aims to address the discouraging words spoken against the Filipino youth, and the self-esteem issues that resulted from this. Raising self-worth means having faith in oneself and believing that they are worthy of living the life they want.

Participants will hear from Dr. Gia Sison, a mental health advocate who hosts “G Talks,” a talk show in CNN Philippines. Rezza Custodio Soriano, a life coach and “transformologist,” will be one of the speakers on raising one’s self-worth.

The second plenary session, “Igniting Your Passion,” will encourage participants to find the purpose and passion that excites them and invite them to have the drive to stand up and persevere despite experiencing day-to-day challenges.

Prim Paypon, Filipino Dreamagineer and founder of the The Dream Project PH, and Aimee Hashim, lifestyle consultant and founder of LoveLuxe Trading Inc., will be speakers for “Igniting Your Passion.”

Finally, attendees will know how to put their dreams into reality with “Making it Happen,” the event’s third plenary session. Participants will learn how to maximize their resources and act on their goals, despite the lack of opportunities and abject poverty. Multi-awarded entrepreneur behind Oryspa Spa Solutions Inc., educator and advocate of the Filipino brand Sherill Quintana; and Jessica Lopez, Maningning Miclat Art 2018 awardee who created artworks out of milkfish bones will be speakers of this plenary.

Multi-awarded singer-songwriter Jose Villanueva, better known as “Quest,” will be one of Freedom to Dream’s keynote speakers. He envisions creating a culture of sharing positivity, harnessing his talents and influence to uplift the nation.

Apart from the plenaries, there will be fast talk conversations with successful women entrepreneurs and artists who’ll share personal stories on dreaming big and getting over discouragements.

Advocacy expo and mini concert

Participants will have access to an advocacy expo, to raise awareness on a wide range of advocacies that Viviamo! Inc. supports. In fact, 100% of the net proceeds will go to their chosen charity organizations. Apart from this, eventgoers are in for a musical treat with a mini concert after the plenaries. The concert is to be led by Quest and other special guests.

Through this event, Viviamo! Inc. aims to spark positive conversations on dreaming, break barriers, and empower the Filipino youth to live their dreams.

The summit is co-presented by The After Six Club and BraveWorks. Major sponsors include Manulife and Wacoal. Minor sponsors also include Ace Water Spa, Celeteque, Curves, Frankie’s, Harem, Qrated Crates, SM Parisian, Serenitea, StyleGenie, Witty Will Save the World, Co., and Zenutrients.

Our media partners include Blogapalooza, ChinoyTV, PageOne Media, Wheninmanila.com.

For more information on the Freedom to Dream 2019 Summit and how to purchase tickets, visit

bit.ly/FTD042019

Score Millions of Deals and a Sponsored Trip to El Nido at Shopee 4.4 Summer Bazaar

“Summer is one of the most awaited times of the year in the Philippines, and we are thrilled to kick it off with the Shopee 4.4 Summer Bazaar. Summer is a time for fun and adventure for Filipinos and in line with this, we have introduced challenges and activities across all Shopee platforms to engage and entertain users at Shopee 4.4 Summer Bazaar. In addition, users can enjoy over 1 million deals on Shopee from leading brands and sellers to enjoy greater cost-savings. We look forward to a fun Summer at Shopee and we invite all Filipinos to join us at Shopee 4.4 Summer Bazaar.” ~Martin Yu, Associate Director, Shopee Philippines

Kickstart the Summer on Shopee with flash deals from ₱44, ₱4 million worth of coins on Shopee Quiz, and huge prizes to be won.

Shopee, the leading e-commerce platform in Southeast Asia and Taiwan, kicks off the Summer season with Shopee 4.4 Summer Bazaar from March 21 to April 4. Shopee will fuel the Summer excitement with special contests and activities lined up across Shopee platforms, offering huge prizes including four free round-trip tickets to El Nido and ₱100,000 in cash. In addition, users can enjoy over 1 million deals, flash deals from ₱44 from top brands and retailers, and ₱4 million in Shopee coins on Shopee Quiz.

Score Huge Prizes for Summer at Shopee

From March 25 to April 5, Filipinos can fuel their Summer hype with the brand-new in-app game, Shopee Summer Quest. Users can accumulate points by completing various activities daily on the Shopee app, including checking in, playing Shopee Shake, and purchasing selected products. The top-ranking users on the live in-app leaderboard will receive a grand prize of ₱100,000 cash, as well as prizes worth ₱4,000 from top brands, namely Anker, MET Tathione, Maybelline, The Playbook Store, Silverworks, Huawei, Honor, A&S, Unilever, Mossimo, Mass, Snail White, Black + Decker, Stanley, and Meizu.

From March 22 to April 4, Shopee will also launch the nationwide Shopee Human Flatlay social media contest. Users stand a chance to get four round-trip tickets to El Nido by posting creative photos of them and their friends featuring Summer products from Shopee on Facebook and Instagram, with the hashtag #ShopeeHumanFlatlay.

15 Days of Sizzling Promotions with over a Million Deals 

The Shopee 4.4 Summer Bazaar promises offers 15 days of promotions and games from March 21 leading up to the highly-anticipated big sale day on April 4. Users can look forward to over 1 million deals from leading brands and sellers across all categories. Key highlights include:

• Up to 90% off leading brands from all categories, including Maybelline, Dove, Surf, Realme, Huawei, Pedigree, Hanford, and Seaoil.
• Flash deals starting at ₱44 across all categories from the hottest brands and sellers. Up to 10 rounds of flash sales will be available daily to give users greater cost-savings on their favorite items.
• ₱4M worth of Shopee coins to be given away on Shopee Quiz. Users can participate to earn coins daily with upsized sessions on Shopee 4.4 Games Day on March 26; Shopee 4.4 Quiz Tuesday on April 2; and the peak on April 4.

Win an iPhone XS Max by buying load and data on Shopee

Finally, users can also score a brand-new iPhone XS Max at Shopee 4.4 Summer Bazaar. Users stand a chance to win by spending at least ₱50 on prepaid mobile load and data on Shopee from March 21 to April 4.

For more information about Shopee 4.4 Summer Bazaar, visit http://shopee.ph/4-4.

Download the Shopee app for free via the App Store or Google Play.

About Shopee

Shopee is the leading e-commerce platform in Southeast Asia and Taiwan. It is a platform tailored for the region, providing customers with an easy, secure and fast online shopping experience through strong payment and logistical support. Shopee aims to continually enhance its platform and become the region’s e-commerce destination of choice.

Shopee has a wide selection of product categories ranging from consumer electronics to home & living, health & beauty, baby & toys, fashion and fitness equipment.

Shopee, a Sea company, was first launched in Singapore in 2015, and has since expanded its reach to Malaysia, Thailand, Taiwan, Indonesia, Vietnam and the Philippines. Sea is a leader in digital entertainment, e-commerce and digital financial services across Greater Southeast Asia. Sea's mission is to better the lives of consumers and small businesses with technology, and is listed on the NYSE under the symbol SE.

Women, love yourselves more!

“With a little bit of self-love, anyone can change their life. At SM, we want women to make themselves a priority by letting them indulge in various pampering activities so they can be the best version of themselves.” ~Jonjon San Agustin, SM Supermalls Senior Vice President 

Renowned psychoneurologist and happiness doctor Lia Bernardo enumerates five easy tips on how women can live a happier, unapologetic life. 

You can’t love others if you don’t truly love yourself. This is something we've heard since we were little. But loving one's self doesn’t happen overnight. 

Renowned psychoneurologist and happiness doctor Lia Bernardo says that self-love is a daily process of accepting yourself completely by living a genuine, unapologetic life. Here are some tips from Dr. Bernardo on how women can love themselves even more:

1. Break the cycle by starting within. You can’t tell people how to act but you can control how you think or feel about situations. It is better to see the bright side or to let go. Don’t give anyone the power over you – this is what true empowerment is. 
2. Know that you are beautiful. See yourself as whole – complete. All you need to do is face the camera inwards and like who you are. For days when you need a confidence booster, check out SM's beauty section to get special deals on skincare and beauty bundles. 
3. Be proactive. If you are sad, always remember that everything, including happiness, is your choice. Discover what makes you happy and take steps to incorporate them into your daily routine. Happiness is more about the journey, not the destination. 
4. Take care of yourself. It is important to practice self-care in all aspects of your life -- physically, mentally, and emotionally. Indulge in self-care with the Women’s Special at SM this March and avail of beauty and wellness deals from select spas and salons.
5. Accept yourself. Once you’ve learned to accept and acknowledge who you really, are, all that self-doubt goes out the window. Take the time to get to know your individuality because whatever you think, you believe. Whatever you believe becomes your behavior. Revisit your belief so you can improve your life today.  

Ladies, celebrate self-love this Women’s Month at SM! Get fabulous finds such as fashion, accessories, make-up and skin care up to 70% off during SM’s Women’s Wednesday Sale the entire month of March. 

For exclusive news about SM Supermalls, visit www.smsupermalls.com and its Facebook, Twitter, and Instagram accounts: @smsupermalls. 

Power Mac Center kicks off ‘Shape Up This Summer’ series

“The road toward physical fitness is a tough one, but through our ‘Shape Up This Summer’ series, we at Power Mac Center wish to inspire everyone to take on new healthy habits and routines and ultimately live a healthier lifestyle. You can always count on us to bring the latest smart devices that make any fitness journey lighter.” ~Joey Alvarez, Power Mac Center Director of Product Management and Marketing

Maximize Performance LA Tenorio, Scottie Thompson, Sarah Carlos

A month-long celebration of health and fitness, open to the public

Take a step closer to your ideal body this summer with Power Mac Center as the premier Apple partner takes the lead in promoting a tech-assisted healthy lifestyle. Kicking off its “Shape Up This Summer” series was a health and fitness talk dubbed as Rediscover Wellness held at Power Mac Center TriNoma.

Rediscover Wellness Madelene Calalo, Kriszette Oyardo, Ron Habla

Rediscover Wellness motivated audiences to embark on a physical lifestyle and dive deeper into their fitness journeys. Present in the event were celebrity fitness ambassadors Alexander Diaz, Mari Jasmine, and Maureen Schrijvers, who shared professional advice and techniques in achieving their own body goals, as well as personal experiences in rediscovering wellness. 

Rediscover Wellness Mari Jasmine, Maureen Schrijvers, Alexander Diaz

Also weighing in on the discussion were PMC lifestyle partners including Apple Certified Trainer Kriszette Oyardo, nutrition specialist Madelene Calalo, and yoga instructor Ron Habla, who talked about Apple’s fitness tech products, proper nutrition methods, and yoga workout routines.

Ron Habla Yoga activity

As a Premium Apple Reseller, Power Mac Center carries various Apple products that help boost any fitness journey. With apps that help keep track of activity, mindfulness, nutrition, and even sleep, it is now easier to follow through on fitness goals with the help of smart devices like the Apple Watch series and iPhone series, and accessories like the AirPods, available at Power Mac Center.

Month-long celebration of health and fitness

Running on all weekends of March, the “Shape Up This Summer” series continuously features fitness ambassadors and PMC lifestyle partners who aim to inspire through spreading personal tips and stories on achieving their fitness goals this summer. 

Following Rediscover Wellness was another health and fitness talk called Maximize Performance featuring PBA players LA Tenorio and Scottie Thompson and celebrity Sarah Carlos. It was held at Power Mac Center Greenbelt last March 16.

Upcoming events include Enhance Mobility, a training session on March 24 at the Saddle Row, Power Plant Mall and Build Strength and Power, another training session on March 30 at Anytime Fitness in Banawe, Quezon City. The events are all open to the public. 

To join, register at <https://powermaccenter.com/shapeupthissummer/>. Lucky participants will win Power Mac Center gift certificates, coupons, and fitness products from PMC lifestyle brand partners.

The “Shape Up This Summer” series is part of Power Mac Center’s ongoing healthy lifestyle campaign #NoExcuses. The campaign was made possible by brand partners Adam Elements, OtterBox, SOUL, Anytime Fitness, Saddle Row, LifeScience, Urban Ashram, and Isabel’s Dewy Morning Greens. Find more about PMC’s healthy lifestyle advocacy by visiting the website or following its Twitter, Facebook, and Instagram accounts.

About Power Mac Center

Power Mac Center is a recognized Apple Premium Reseller, Authorized Education Reseller, Apple Authorized Training Provider, and Apple Authorized Service Provider in the Philippines. Power Mac Center has become a reliable retail shop and service provider of Apple products to the Filipino consumer.

The company has grown to 44 branches nationwide, with stores located in Greenbelt 3, Glorietta 5, The Annex at SM City North EDSA, SM City Fairview, TriNoma, Robinsons Magnolia,  SM Megamall, The Podium, SM Mall of Asia, SM Aura Premier, Festival Supermall, Cash and Carry Mall, Abreeza Mall, SM Lanang Premier, SM City Marikina, Power Plant Mall, SM City BF Parañaque, Harbor Point, SM City Southmall, SM City Pampanga, SM City Bacoor, SM City Lipa, SM City Santa Rosa, SM City Batangas, SM City Dasmariñas, Circuit Makati, Vista Mall Sta. Rosa, SM East Ortigas,  KCC Mall de Zamboanga, Vista Mall Bataan, SM City San Pablo, SM City Trece Martires, Robinsons Galleria Cebu, Ayala Malls Cloverleaf, Ayala Malls Vertis North, SM City Urdaneta Central, SM City Clark, SM City Puerto Princesa, SM City Telabastagan, SM CDO Downtown Premier, SM City Legazpi, Fora Tagaytay, Festive Walk Mall Iloilo, and Robinsons Place Butuan.

Visit a Power Mac Center store near you and find more online: 

PowerMacCenter.com  Facebook Twitter Instagram YouTube

GCash Supports Families of Fallen Heroes

“Since HERO Foundation’s inception in 1988, it has been actively supporting the families of our military personnel killed or totally incapacitated in the line of duty. We only are able to do this through the generosity and trust of individuals and corporations. Through this partnership with GCash, being a HERO to our heroes' children is made easier and more convenient. It also is a way to honor the sacrifices of our military by ensuring the children they leave behind still have a chance to a brighter future.” ~Victor V. Bayani (Ret), Hero Foundation Inc., Executive Director, MGen

Photo shows the officers of HERO Foundation from left, Kiel Fernandez, Consultant Fundraising, Marketing and Media Relations, Chez Florentino-Ebot, Marketing Officer and MGEN Victor V. Bayani (Ret) and GCash Officers Anthony Thomas, President and CEO and JM Aujero-VP for Merchant Solutions

GCash, the Philippines’ #1 mobile wallet sealed its partnership with Hero Foundation Inc. - a non-governmental organization (NGO) in the Philippines which main advocacy is to help orphans of our fallen and incapacitated military men in the line of duty.

This partnership is an initiative driven by a shared vision of GCash and Hero Foundation that families depending on fallen brave men who faced tragic events or at worst died serving the country are not left behind. It is a reality that most of the dependents of our fallen military heroes suffer from hunger, inability to sustain basic needs, lack of money to send the children to school,  unavailability of jobs for their spouses, and other misfortunes brought by the incapacity of the family’s breadwinner.

"We believe in what Hero Foundation is advocating for and we want to be part of their journey of helping the families of our military heroes. GCash will enable the foundation to accept donations via the QR technology and soon, through our App via the online bills payment. We hope this will increase their reach and help in their advocacy. This is very much aligned with our drive for financial inclusion in the country and our campaign for #GCashForGood.” ~Anthony Thomas, Mynt’s CEO, Mynt is the company that operates GCash

Hero Foundation as an institution has reached a significant number of fallen military heroes’ orphans by providing them the opportunity to have the proper education. Hero Foundation sponsors scholarship grants to these orphans as a way of giving back to the fallen heroes we have today.

Bearing these realities in mind, GCash has explored to open a partnership with Hero Foundation. The country’s #1 mobile wallet has provided Hero Foundation and our fellow countrymen who support the cause a fast, secure, and convenient way of bringing something back to orphans of military men who died in the line of duty. Using the Quick Response (QR) Code technology donations can now be made digitally. The donation boxes of HERO Foundation are strategically located at the major malls in Metro Manila and throughout the country and will also be assigned their specific QR codes.  

This partnership is part of GCash’s campaign to empower more NGOs, Communities, and Organizations in the country through #GCashForGood. This will enable more individuals to conveniently support their chosen charities through the use of the GCash App

How to Fall in Love with Your Kitchen... Again?

A kitchen is a place of reinvention, imagination, and experimentation. It welcomes trial and error. Every spill and stain on each surface sticks in your memory. Here, you stumble, yet, you pursue good decisions for an active and healthy lifestyle. You shave off a little from your monthly food budget so that your shelves are well-stocked. You remember good times—delicious times. 

However, the kitchen is one of the hardest parts of the house to maintain. Not only is it difficult to organize cooks wares, but it can also be tasking, especially when you see that things are not in good condition or properly stored. 

To savor only good memories, Beko Philippines, empowering new generations to live healthier, in line with its Eat Like a Pro advocacy, listed fun activities to make your kitchen an ideal setting for healthy meal preps. Make this area of your house into something that resembles your proper lifestyle choices. 

Declutter

Remember the day you promised to take better care of yourself by eating healthy? Why not start by reorganizing the pantry and put careful thought in each produce you place inside.

Check around and discard anything that went beyond its expiration date, as well as disposing rusted utensils. A clean slate would allow a brighter vision for food preparation and goal-setting. Your kitchen wall is your new springboard for future activities involving a ton of fun, healthy activities. 

Remodel

You know how boring it is to stay with a plan, especially at the beginning. You can avoid this slump by adding a few changes to your culinary setting. Tap into your creativity and add a few patterns to your walls or floors. Investing in a few kitchen products cements the idea that you plan to take this lifestyle with you as you grow in the coming years. 

Reorganize

Group fruits in a basket. Place basic cooking essentials like salt, pepper, and eggs on a counter within arm’s reach. Make sure to only group groceries that are only beneficial to you. Instead of a sugar station, swap it with stevia or honey. Store herbs and other seasonings, not cookies, in jars. For a feeling of warmth, hook garlic on walls. Label things in the pantry if necessary. This tasteful arrangement appeals to your eyes and sets a commitment to pursue dietary ambitions. 

Create

Now that you know where things are, it’s time to prepare dishes with your new kitchen items. Blend smoothies using recipes you’ve been craving to try out. Add energizing scents like citrus or cinnamon in the air as a cue for creative creations. Invite someone over to witness all the hard work you’ve put into the place and talk about how you’ll carry this discipline and creativity into your activities. 

Give yourself a pat on the back now that you’ve organized the pantry, restocked all the basics, and cleaned the walls and the floors. But, don’t stop there. Consider getting another home solution that fits in with the new kitchen look. 

To ensure that fruits and vegetables stay fresh, consider using RDNT360E20VZWB, a 12.7cuft, Top Mount No Frost, Dual Cooling Inverter Refrigerator by Beko Philippines. 

The refrigerator provides a decent space in its special crisper compartment for storing snacks and has an EverFresh+® technology, which regulates and controls humidity to allow produces to stay fresh for up to 30 days. 

Along with giving a handy space for your snacks, the refrigerator also has Beko Active Fresh Blue Light™ technology that continues the photosynthesizing process of your fruits.

The RDNT360E20VZWB comes with IonGuard®, a technology that removes odors in your fridge by circulating negative ions that remove bacteria and other odor-causing particles, as well as NeoFrost™ dual cooling technology that keeps products in the freezer fresh while avoiding excess ice. 

Finally, RDNT360E20VZWB offers its Beko ProSmart™ Inverter Compressor Motor. This technology enhances the cooling efficiency of the refrigerator maintaining an even temperature inside which keep produces fresher longer without consuming much energy, and electricity, while the compressor remains silently running. 

Shopping just got more exciting with Home Credit’s Hulog-gaan Installment Plan

“Our installment plans before are primarily for big purchase items. We wanted to provide the same financing options for those who have a lot of different wants and needs, and be able to afford them all in one go. We want to be there for the customer, whoever they are and wherever they are. That’s why we are developing innovative tools such as our mobile app, and developing new financing products like the Hulog-gaan product. It’s all about enhancing the customer experience through our products and services.” ~Franchette Cardona, Chief Marketing and Product Officer

If it fits P25,000, you can take it home. The Hulog-gaan installment allows Home Credit to cater to more customer needs than ever before. 

If you will be given a shopping basket to fill and a maximum of Php 25,000 budget, what will you grab off the shelf first? Will you stock up on new wardrobe pieces? Perhaps you’ll fill it to the brim with electronics? Home Credit Philippines, the leading consumer financing company in the country has just made this too-good-to-be-true scenario a reality with its launch of Hulog-gaan, their first ever bundle financing product that lets consumers buy a number of lower-priced items in bulk, and pay for them through affordable installments. 

The company’s newest installment package allows financing of commodities that Home Credit didn’t previously finance. Some of the commodities that can be covered by Hulog-gaan are clothing, bags and accessories, toys, and electronics. These items are on top of the commodities that Home Credit already finances like smartphones, tablets, home appliances, and sporting goods. 

Using the Hulog-gaan installment product, shoppers can now buy any of the covered items as long as they fit the Php 25,000 maximum price for the bundle. Customers can choose between Php 3,000 to Php 20,000 financed amount which they can pay for nine to 12 months. Home Credit’s Hulog-gaan can be applied to their Standard, Easy Plan, Flex10, and Gift Payment loans. 

Shoppers can include in their bundle a maximum of five product entries, with multiple items under one category counted as one bundle entry as long as it fits the Php 5,000 maximum amount per entry. Exceptions on categories covered by Hulog-gaan are jewelry and watches and smartphones and tablets.

This isn’t actually the first time that Home Credit has offered bundling installment plans. The market leader also has a regular bundling plan for those who want to buy higher-priced items in a package. 

Home Credit, which has recently shortened its approval time to a minute, is now focused on reshaping the shopping landscape for everyone by providing them with more financial products and a better, easier experience. The Hulog-gaan is offered on the following stores you can find on this link.  

Home Credit Philippines is a consumer finance provider that promotes the principles of financial inclusion and safe lending, providing world-class financing services to qualified customers, often first-time borrowers. Company’s core business is non-cash, no-collateral instore financing of purchases for customers, seeking to buy appliances and mobile devices (computers, tablets, laptops and mobile phones) through monthly installments without a credit card. Home Credit Philippines operates in 53 Philippine provinces including Metro Manila, with a blueprint to expand its business to other Philippines developed cities. Home Credit Philippines is headquartered in Bonifacio Global City, Metro Manila, total employee strength is over 10,000 and keeps growing, with over 4,000,000 customers and counting served. Home Credit Philippines is part of Home Credit B.V. (HCBV), an international consumer finance provider. More information on Home Credit Philippines is available at www.homecredit.ph.

Home Credit B.V. (‘HCBV’ or 'the Group') is an international consumer finance provider with operations in 10 countries where there is high potential to grow. Founded in 1997, we focus on responsible lending primarily to people with little or no credit history. Our services are simple, easy and fast. We operate in highly attractive markets with significant barriers to entry. We are a leading provider of consumer finance in selected countries. It is our experience and knowledge across the different markets that sustainably puts us ahead of our competitors. We drive and broaden financial inclusion for the unbanked population by providing a positive and safe borrowing experience – the first for many of our customers. We promote higher living standards and meet borrowers’ financial needs. Our 132 thousand employees have so far served over 111 million customers through a vast distribution network comprising 434,232 points of sale, loan offices, branches and post offices. HCBV’s total consolidated assets reached EUR 22.2 billion as at 30 September 2018. More information on HCBV is available at www.homecredit.net.

The majority shareholder (88.62% stake) of Home Credit B.V. is PPF Financial Holdings B.V., a 100% subsidiary of PPF Group N.V. (“PPF”). PPF invests into multiple market segments such as banking and financial services, telecommunications, insurance, real estate, metal mining, agriculture, retail and biotechnology. PPF's reach spans from Europe to Russia, the USA and across Asia. PPF owns assets of EUR 24.2 billion (as at 30 June 2016). More information on PPF is available at www.ppf.eu.

A minority stake (11.38%) of Home Credit B.V. is held by EMMA OMEGA LTD, an investment holding company ultimately owned by Mr. Jirí Smejc. More information on Emma Capital is available at www.emmacapital.cz.