Doctors & Business June 2009

Dr. Rosalinda Ang-Hortaleza:

A Franchising Success Story F r a n c h ise
Plus 143 invest in !
Ideas to

ar s o f U n wary t o s p ot a
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n t
My Patie rience
’ s N Sorry Tal Ho w
s c a m
e D e p o s i tors franc h i s e
De a t h E x p Bank
 Cover Story:
Dr. Rosalinda Ang-Hortaleza:
A franchising success story 6
Survival was the main reason why we got into business.
Being doctors, we would not have been able to earn
enough to support our family. Having a business gave us
an option for survival. In addition, my love for numbers
urged me to continue with the business. A part of me
always wanted to be an accountant as well as a doctor.

[ DocNews
Makati Med opens P1.2B annex 3
Operation Smile(s) in Cebu & Davao 5
[ Doctors
Cover Story: Dr. Rosalinda Ang-Hortaleza: 6

4
A franchising success story
My Patient’s Near Death Experience 8
My Hometown: Memories of Vigan 10
[ MedDigest
A silent killer of women / TB: Still a health threat 14
Live longer! / Health benefits of swimming 15
[ Wellness
Bust stress out of your life 16
A no pain way to get rid of gallstones 19

13
One of many old churches in Vigan
[ Business
Sorry tales of unwary bank depositors 22
How to spot a franchise scam 24
“Doctors & Business” is published [ Franchise Ideas
by BRED Well Media Services with
postal address at 776-A East St., Below P500,000 Franchises 26
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P500,000 to P1 million Franchises 28
Philippine Copyright 2009 by P1 million to P5 million Franchises 30
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More than P5 million Franchises 34
ISSN 2094-067X
 DocNews

Makati Med opens

new P1.2B annex
A s part of its 40th anniversary
celebration, Makati Medical
Center recently opened its
Dr. Filomena
Montinola,
co-chief of
P1.2-billion annex building to the the dermat-
opathology
public. Makati Mayor Jejomar Section of
Binay was, of course, the guest Makati
of honor but there were a lot of Medical
Center
recognizable names as well.
There were PLDT Group and
concurrent Makati Med chairman
Manuel Pangilinan, the Ayala
Group’s Jaime Zobel de Ayala,
and Araneta Group vice-chairman
Judy Araneta-Roxas.

Needless to say, there were a lot Rosalie Montenegro, president of Makati

of doctors around. Medical Center; and Dada Trillo, senior
vice-president and preferred banking
head of Bank of the Philippine Islands

Dr.
Cristina
Antonio,
member of
the board
of directors
of Makati
Medical
Center

Dr. Imelda Cabral-Villar, head of MCF Dermlaser and

Phototherapy Center; and Dr. Rita Espiritu-Dollendo,
administrative officer-in-charge of Interns Education and
Research Division of Makati Medical City

Doctors & Business 

DocNews

Judy
Araneta-
Roxas,
member of
the board of
directors of
Makati
Medical
Center

Manuel Pangilinan, chairman of Makati Medical Center

Dr. Manuel Fernandez, executive vice-

president and director for Professional
Services of Makati Medical Center Dr. Dennis Damaso, director for Medical Education and
Research; and Dr. Jose Eduardo Rondain, head of the Nuclear
Medicine Department, both with the Makati Medical Center

 Doctors & Business

 DocNews

Operation Smile(s)
in Cebu & Davao
T his time around, Operation
Smile went to Cebu and
Davao to help children with cleft
palates.

In Cebu, 51 volunteers, including

13 non-Filipinos, practically took
over the operating rooms of the
Vicente Sotto Memorial Center. In
Davao, there were 57 volunteers
gathered at the Brokenshire
Hospital.

Interestingly, there were

more plastic surgeons and
anesthesiologists in the Cebu leg
while there were more dentists in
the Davao mission.

Of the 298 children screened

in Cebu, 210 were treated. In
Davao, 153 of the 380 children
were treated.

Doctors & Business 

Doctors

Dr. Rosalinda Ang-Hortaleza:

A franchising success story
By Margaret Jao-Grey

B Y CHOICE, Rosalinda Ang-

Hortaleza likes to be called
“Doctora” by employees of the HBC
retail chain of beauty care product and
its mother company, the multi-billion-
peso Splash Corp. That’s because she
Rosalinda
has fond memories of the career she
Ang-Hortaleza,
gave up when she married another chief executive
doctor, Rolando Hortaleza, while still a officer of HBC
resident . Inc.

“The first time I was called a doctor, it

felt good. I was then an intern at the
Lungsod ng Kabataan Hospital. And I
can still remember the happiness I felt
the first time I helped deliver a baby
without any assistance,” she said. “I
learned patience from listening to the Survival was the main reason why we got into business.
different health problems and personal Being doctors, we would not have been able to earn enough
stories of patients, particularly those to support our family. Having a business gave us an option
who had very little money. With for survival. In addition, my love for numbers urged me to
36-hour work shifts, I learned to be continue with the business. A part of me always wanted
hardworking and to manage my time
to be an accountant as well as a doctor.
well.”

Marriage changed all that.
The couple used the money they
received as wedding gifts to put up
a business called RBH Cosmetics.
They spent P5,000 to buy a cuticle
remover formula from a Hortaleza
cousin and the balance P7,000 to
buy the initial inventory of acetone,
cold wave lotions, amber bottles,
and packaging materials to start
a repacking business. To save on
expenses, the couple stayed with the
older Hortalezas in Sta. Mesa, Manila.
The couple’s business was strictly
a mom-and-pop operation plus one
assistant. When not busy as a doctor
in a Tondo-based government hospital
where he earned P7,000 a month,
Hortaleza and the assistant handled
the production side of the backyard
business. Ang-Hortaleza gave up her
own medical career to manage full
time the business’s accounting and
marketing. In fact, Ang-Hortaleza
continued to sell her products even
when she was heavy with her first
child, a daughter named Allue.
She recalled sometimes waiting in
front of a store until the store’s owner
would either take pity on her or was no
longer too busy to talk to her.
Then she would make her sales pitch
and, hopefully, close the deal.
In 1985, its first year of operation,
the business generated sales
of P100,000, enough reason for
Hortaleza to quit his hospital job
and to join his wife full time in the
business.

 Doctors & Business


“Survival was the main reason why
we got into business. Being doctors,
we would not have been able to
earn enough to support our family.
Having a business gave us an option
for survival. In addition, my love for
numbers urged me to continue with
the business. A part of me always
wanted to be an accountant as well as
a doctor,” she said.
It certainly also helped that the
couple received encouragement
from their entrepreneurial families.
Hortaleza’s family is associated with
the knife sharpening chain while Ang-
Hortaleza’s father owned the Victoria
Manufacturing Corp. in Valenzuela. In
fact, it was Ang-Hortaleza’s father who
served as the couple’s guarantor when
they took out their first bank loan.
Retail arm
Four years into the business, the
couple put up Hortaleza Beauty Center
or HBC for short as a direct and
immediate response to Hortaleza’s
inheriting six stores of the Hortaleza
Vaciador chain from his family.
Located in areas with high pedestrian
traffic such as in Realistic St., Quiapo,
the first stores set the tone for future
HBC stores, which now number in the
hundreds.
From the start, it was Ang-Hortaleza’s
project.
“Accepting the six inherited branches
was a welcome challenge for me
because it has made my dream
of having one million employees
more realizable. Also, it was a
perfect vehicle to showcase Splash
products,” she said.
HBC sees itself as the first Filipino-
owned one-stop shop for beauty,
carrying products from hair to
foot exclusively sourced from
manufacturers here and abroad as
well as free beauty consultation on
skin and general body care.
Any time is a
good time for the
business of beauty.
There is what we
call the lipstick
theory where,
during these tough
times, more people
tend to indulge in
small luxuries like
personal care and
cosmetics because
looking physically
good will help
them cope during a
crisis.
Although the earlier stores are
company-owned, HBC is now actively
expanding through a franchise
program ranging in franchise fees
from P100,000 for a cart to P150,000
for a kiosk. Abroad, the company is
looking for master franchisees for
territories or countries. Right now,
HBC is already present in Singapore
and Bahrain. In the United States, it
has 11 “store within a store” outlets
inside Seafood City Supermarkets in
California and Nevada and two other
stores in Las Vegas and Los Angeles.
“Our strategy is to further penetrate
Doctors
Another HBC outlet is opened
the market through our business
partners while we maintain operational
efficiency for our existing stores. Our
focus now is on our loyal customers.
We need to make them happy as
they will be our brand ambassadors
to more customers. We are not afraid
of the economic recession because
we feel that any time is a good time
for the business of beauty. There is
what we call the lipstick theory where,
during these tough times, more people
tend to indulge in small luxuries like
personal care and cosmetics because
looking physically good will help them
cope during a crisis,” she said.
Despite her many successes, Ang-
Hortaleza has a soft spot for her fellow
doctors, suggesting that a business
subject or two in the curriculum of
medical schools would be helpful even
for those who choose to stay on in
their profession.
“ As a doctor, there will be instances
when you feel you would like to do
things for free. Learning business
can help in managing what you have
and in finding ways to attain funds
to sustain your practice,” she said.
Spoken like an entrepreneur who just
happens to be a doctor.
( Ms. Margaret Jao-Grey writes a
regular business column for Business
Mirror)
Doctors & Business 
Doctors

My Patient’s Near Death

Experience
By Dr. Willie T. Ong

A S A DOCTOR, you never know

who will come next to your clinic.
Each patient has a unique story and I
take the time to get to know the person
well. And so, when Joaquin came to
my office, I wasn’t quite ready for what
I was about to hear. Joaquin came to
me for a check-up because his heart
had stopped for a few minutes.
“What do you mean ‘stopped’?”, I
inquired.
He explained, “I underwent a routine
gallbladder operation and my doctors
said that my blood pressure suddenly
dropped for unknown reasons. I died
and was clinically dead for a few
minutes before my doctors revived
me.”
“Oh, another near death experience,”
I thought to myself as I recalled other
patients I’ve seen with near death
experiences or so-called NDRs.
Before I became a doctor, I had read
voraciously on the subject, starting
with the seminal book by Dr. Raymond
Moody in the 1970s to several New
Age book in the 1980s, up to the
definitive near death experience by
author Betty J. Eadie in the 1990s.
As the first one to popularize NDE to
the public, Dr. Moody had interviewed
hundreds of patients who died but
were revived. Curiously almost all
of them experienced similar events
with slight variations. First, it’s dying
and leaving the physical body. Then,
you may spend some time hovering
over your body, watching the doctors
frantically work on you. Next, you find
yourself being drawn into a long dark
tunnel, moving at high speed. You
hear a rushing sound and, after some
time, you see a glimmering light at the
end of the tunnel. You move closer to
the light as it becomes brighter and
brighter. It warms you, soothes, and
comforts you unlike anything you‘ve
ever experienced. And suddenly, you
are in front of a great Being of light,
so bright you can barely look. You are
overwhelmed beyond words. And then,
you know you are in the presence of…
Joaquin’s words struck
me like a bolt of lightning.
And suddenly, I was aware
of my own guilt of not
giving enough time to
the most important part
of my life, my wife and
two daughters. Here was
the Supreme Being not
asking for earth-shattering
discoveries or sacrifices;
but to simply care for my
children, like the loving
father that He is
“You know, doc, it’s very confusing to
me,” Joaquin interrupted my thoughts.
“I still don’t know what to make of it.
You see, during the operation, I knew
something was wrong. Before i knew
it, I had left my body and went through
a dark place, like a tunnel. And then, I
met this being…He was shining…”, he
paused.
“So who was he?”, I edged on my
seat.
“I don’t know who he was. I’m not a
religious person but he was a being of
light and he was very kind and loving.
“What I know is that this ‘person’ told
me that my death was premature. That
it was not my time yet to die. He said I
had a mission to fulfill in this life.”
Joaquin became more excited as he
continued. “So I asked this Being what
kind of mission I could possibly have.
I had been an ordinary hotel waiter for
20 years. I could barely support my
wife and kids. At 46 years of age, just
a high school graduate, there was no
hope I could ever find a better job. My
work does not exactly qualify as the
‘world-saving’ type.”
From his words, I gathered that
Joaquin, like so many others with
NDE, had wanted to be with this
Being of light in that heavenly place.
He could not see the meaning of his
apparently meaningless existence.
Then, the Being of light revealed to
Joaquin his purpose on earth: his
mission is to take care of his two
children, to raise them, and be a good

 Doctors & Business


father to them.
Joaquin’s words struck me like a bolt
of lightning. And suddenly, I was aware
of my own guilt of not giving enough
time to the most important part of my
life, my wife and two daughters. Here
was the Supreme Being not asking
for earth-shattering discoveries or
sacrifices; but to simply care for my
children, like the loving father that He
is.
It was then that I knew God had sent
Joaquin to me on an errand to wake
me up and to jolt me. Consider this:
Out of the thousands of doctors in
Manila, why in heaven’s name did he
come to me?
An hour had passed and my other
patients were in a heated frenzy, but
they had to wait. God’s message does
not come too often. I told Joaquin
that I would like to help him and to
contribute to his mission. Joaquin
smiled but his mind was miles away.
He wasn’t listening to me because he
asked how much my fee was.
“No, no, nothing,” I stammered. “You
have paid me more than enough.
You have paid me more than you can
imagine.”
Joaquin’s experience echoes the
messages of many inspirational books,
both old and new.
1. No matter how ordinary your job
is, there is a God-given purpose for
your work and you must do it well.
Doctors
2. Spend time to improve family
relationships, especially with your
parents, children, and relatives.
Loving the family and healing broken
relationships are part of our purpose in
this life.
3. Have faith. A big kind of faith.
No matter how bad our situation may
look like, there is always reason for
hope.
As Joaquin found out, God is
constantly working in ways we can’t
see. He’s in control and His immense
love and compassion will see us
through.
(Dr. Willie Ong writes a weekly
column on health and wellness for the
Philippine Star)
Doctors & Business 
Doctors
My hometown:
Memories of Vigan
V ERY FEW PEOPLE know that
Vigan was the first city in Ilocos
to be occupied and colonized by the
Spaniards. It was first named Ciudad
Fernandina and later called Vigan,
from the word bigaa, an herb that
grows abundantly in Vigan. To this
day, there is still a Ciudad Fernandina
Hotel, a bed-and-breakfast facility for
local and foreign tourists who delight
in old Spanish houses situated in
streets of cobblestone.
I grew up in a sleepy and serene
town called Pantay Laud, a barrio in
the western part of Vigan City that
is literally sandwiched between two
rivers that empty to the South China
Sea. The rivers have brackish water (a
mix of salty and freshwater) ideal for
breeding fishery products like crabs,
tiger prawns, and bangus. I love to eat
arorosep, a kind of seaweed eaten
raw after being “disinfected” with
vinegar.
I was born and raised by my parents
in the simple life—breathing fresh
air, eating fresh food, and sleeping
early as there was yet not so much
electronic entertainment in those days.
To me, these are all blessings since I
had an early appreciation of the simple
and uncomplicated living that prepared
me for the more hectic adult life in
Manila. I finished at the Ilocos Sur
National High School and my parents
sent me to Manila for university.
Little did I know that my life in Manila
10 Doctors & Business
By Dr. Rudy Rabanal
would take me away from my beloved
hometown most of my adult life.
When I was still a student of medical
technology at the Far Eastern
University, I would go home to Vigan
taking the Times Transit (now named
Dominion Transit). My travel took
eight to 14 tiring hours because of the
heavy traffic created by the monstrous
herd of Ilocanos heading for home and
the long processions we encountered
in the many towns along the highway
during Semana Santa or Holy Week.
The bus would traverse the entire
stretch of the Sierra Madre Mountains
on the right side (from Pangasinan to
Cagayan) and the South China Sea
on the left side. I had the option to
take an ordinary bus (where I got to
appreciate the changing breeze of
the route) or the air-conditioned bus
(which shielded me from the abrupt
change of weather from sunny to
windy and where I breathed canned
air). We had very good roads in
Ilocos, a legacy of the late Apo, former
President Ferdinand Edralin Marcos,
another true blue Ilocano.
But ever since 1986, when I became a
doctor and finished my specialization
in internal medicine—and married
another doctor, a classmate from
MCU (she took up pediatrics and
her neurology at the Lungsod
ng Kabataan, now known as the
Philippine Children’s Medical
Center)—I had been driving home less
and less frequently to Ilocos because
we have no time.
When we did go with our three
boys—the eldest is now 21 years
old and a fourth year pre-med at
Ateneo; the second, 19 years old
and a sophomore BS Psychology at
the University of the Philippines; and
the third, 17, a first year business
management student at Ateneo—we
made it a point to park in one of
the twin Suso beaches (they look
somewhat like woman’s breasts) for
30 minutes to breathe the fresh air,
soak our feet in the water and even
run around on rubber shoes along
the stretches of coral reefs. Or we
would just stare yonder and watch the
fishermen from a distance or watch the
crabs swimming near us as if calling
us to join them. It was always fun.
Vigan has an abundance of old
Spanish architecture in its churches,
ancestral homes, and historical
edifices. If you really love old
structures, Vigan is the place to go.
I never fail to take delight in these
structures and, even now, I reminisce
about them whenever I find myself
feeling nostalgic and homesick about
Vigan.
We have beaches and mountains
galore. We have been pampered
by these natural endowments in our
youth, having grown used to being
brushed by the hot breeze from the

South China Sea atmospherically
blended with the cool winds from the
Sierra Madres. We have been used
to an abundance of fresh sea and
mountain breezes despite the summer
heat. But when storms come, the
breezes are even cooler than usual.
Eating delights
We would stop by small specialty
restaurants (although not named
fancifully as those in Makati or Ortigas)
in Agoo, which serve the fresh green-
colored small circular seaweeds called
ararosep but, in Manila, it is called
arorosep. I ask them to disinfect the
seaweeds in vinegar (particularly
those with high acetic acid content to
ensure against salmonella and E.coli
or viruses) and, with fresh tomatoes
and salt to taste, I would munch their
juiciness.
The best dishes for me are the
simple paksiw (cooked in vinegar or
calamansi, tomatoes); the inihaw na
isda (whatever fish is freshly caught),
the pugita (baby octopus) and talaba
(again, I ask them to disinfect the
oysters in vinegar). This meal, good
for five persons, would cost around
P1,000 to P1,500.
Ilocos is known for its sukang Iloko,
the brownish-colored vinegar which is
normally a by-product of fermenting
sugarcane juice. The juice is extracted
the old-fashioned way with a carabao
turning the wheels of the extractor.
Our sukang Iloko is really something
worth buying and bringing to Manila
because you cannot find the real thing
anywhere else except in Vigan. The
real ones are those cultured in big
jars or burnay. The jars are made in
Barangay Pagburnayan. Do not miss
watching how these jars are expertly
Doctors
made by workers whose skills were
handed down from the first Chinese
immigrants centuries back.
The authentic Ilocano wine, basi,
once the cause of a revolt during the
Spanish era, is made by fermenting
sugarcane juice, which is cooked first
in a big kawa. Then, it is poured into
a big burnay where secret ingredients
are added to produce the much
desired taste and aroma. After all the
ingredients are added, the jar is closed
A horse-driven calesa on a
with banana leaves tied tightly to the
cobblestoned street
lid of the jar and finally sealed with
freshly prepared clay on top.
My lolo used to make basi for our use
and he would keep it sealed for one
to three years. But sometimes, we
accidentally opened it prematurely and
it would turn sour so we just used it
as vinegar. I can still vividly remember
how he prepared basi. He would buy
dried tree bark (I can’t recall now what
the tree is called but it is sliced finely)
and my lolo would ground some of it
until powdery, using the big manual
grinder called bayuhan, then put them
all inside the burnay together with few
bundles of milagrosa rice grains to
improve the taste and aroma before Big jars or burnay are worth
sealing it. buying and bringing to Manila
I enjoy most harvesting bangus,
sugpo (the tiger prawns variety) or
alimango (crabs) from our fishponds.
Likewise, I will never forget the
pleasure and contentment of just
watching fishermen do their chores
while seated on the ground under a
log (talisay tree) on the river bank.
Once in a while, I would buy their fresh
catch. The taste of the fish caught in
our river is always better than those
caught in other rivers of Ilocos Sur
or even from the South China Sea,
which includes: pompano, bacalao,
baraongan and pasga ( resembles Shopping for food
Doctors & Business 11
Doctors
a big milkfish). We just cooked them bile or apdo squeezed and cooked December, I bought several kilos of
simply, either grilled, fried, boiled, with the goat skin). Like most Ilocano bagnet worth P320 to P350 a kilo and
pangat or paksiw but the tasty dishes, this has to be cooked very I gave them away to my good friends,
freshness lingers in my mind and it slowly for several hours with salt, patients, and relatives. Price varies
makes me crave for it. My aunties and pepper, ginger and other seasonings depending on the season, Christmas
my parents make sure that we feast or herbs and vinegar until very tender being the most expensive.
on these delicacies every time we visit and mouth-watering.
them. Our Vigan longganiza, the small
Be sure to put the twalya (goat’s gut) sausages, can be bought in the public
When you are in Vigan, look for a last when you are about to serve; market at P50 per dozen. Make
restaurant that serves sinanglaw, a otherwise, it will be very gummy sure that you buy longganiza locally
delicacy—the Ilocano counterpart of and difficult to chew. In kinilaw na produced from our market and that are
bulalo, which is kept hanging by
the slow-cooked stallholders so
beef skin and the longganiza
litid. Eat it hot is aired to
and savor the perfection. Our
taste as it melts longganiza is
in your mouth. truly something
worth relishing
Of course, never as it has a lot
forget the Vigan of garlic and
pinakbet (those meat that,
residing in Vigan when you
town proper or burp, the taste
the mestizas stays on in the
pronounce it mouth.
pinakbheet
while those from Of course
other towns there are
and the farming Part of Vigan’s charm other Ilocano
class pronounce longganiza but
it pinakboet) the one made
made of small in Vigan stands
round young eggplant; kardis seeds kambing, the main ingredient is the above them all.
or patani (kidney-shaped beans) and grilled goat skin mixed with the innards
bagnet with bagoong added. We that were previously boiled or grilled, If you are the adventurous type, try
recommend the use of the rounded sliced thinly then finished with the our jumping salad kinilaw style, which
variety of eggplant rather than the long apdo and the seasonings of your is a freshly-harvested baby shrimp
violet eggplants, which has a bitter choice that includes siling labuyo, (almost an inch or less in size) which
aftertaste. The pinakbet is cooked vinegar, salt, ginger and onion. are placed in bowls and still jumping
with low fire for several hours and even after putting in the vinegar.
served either hot or cold without losing Then, there is the famous bagnet or The sourness of the vinegar plus the
its wonderful taste. the equivalent of chicharon but this sweetness of fresh baby shrimps give
one is cooked/fried slowly. The best a delightful aftertaste to the diner.
Famous among Ilocano gastronomic bagnet are the freshly-butchered
specialties is the kinilaw na kambing pork chunks cooked and fried slowly I grew up with lot of fresh vegetables
(especially the freshly-culled goat) or and sold in the public market, which and seafoods because my relatives
the pinapaitan (using the gallbladder is open from 10 a.m. to 7 p.m. Last had lots of fishponds and we could get
12 Doctors & Business
 Doctors
our fresh supplies from the rivers and the space between the church and the In the old days, we knew families and
seas. I miss those days when I could capitol friends from remote barangays as
just eat them almost raw. though we always dealt with or saw
Much has changed them regularly.
Feasts to observe
Much has changed in the culture, I used to get a thrill from the thomping
From my youth, I always remember practices and sights of Vigan. Now, the of horse-driven calesas on the
special feast days that we really landscape is dominated by commercial cobblestoned streets of Vigan.
celebrated. billboards; there is too much noise
and the air is not as pristine as But the last time I went home, I was
Of course, the Semana santa tops before because of the thousands of very disappointed to note the noise
all celebrations as it is really the time undisciplined drivers that dominate the from hundreds of tricycles, which also
when long solemn pollute the air
processions are of my city.
held in the entire
province complete But what can
with uniformed I do? The
guards; the drivers also
Passion is sang in have to earn a
every church; and living for their
people make time families.
to contemplate
the suffering and Still, Vigan
death of our Lord is a very
Jesus Christ. worthwhile
place to go
Each and every to. The old
barrio has its own houses and
barrio fiesta and churches give
ours is celebrated history and
every December One of many old churches in Vigan richness to the
28. The highlight landscape.
of our fiesta is the Cobblestoned
zarzuela (opera). streets
The night before continue to be
that, there is the grand ball, which is a highways; and diets or eating habits used by calesas, although not as
fundraising activity of the barrio. In the have drastically changed. Lifestyles predominantly as before.
mornings, our churches are busy with have also changed among the youth.
masses, baptisms and even weddings. They now go to fastfood outlets Thankfully, the old people still cook the
and eat less fresh vegetables and favorite dishes and recipes that Vigan
We have the regular retail events seafoods; they love going to internet is well remembered for.
and the bigger commercial sale cafes and movies or even malling;
events (annual fair and expos) where there is little trace of the days at the (Dr. Rudy Rabanal is a diabetologist-
all products from Ilocos are sold. park or beaches and maybe, none of internist and a member of the faculty
Displayed/advertised from baskets are my younger relatives even recognize and the corporate secretary of the
food products, bedsheets and linens, me because I have been returning UERMMC- Institute for Studies on
towels and others. home much less often these days (just Diabetes Foundation Inc.)
once a year).
These are sold in the town plaza, or
Doctors & Business 13
MedDigest
By Henrylito D. Tacio
A silent killer of women
In the Philippines, there are about
5,000 new cases of cervical cancer
each year.
Even more alarming is the fact that
there are between 10,000 to 25,000
women walking around who never
know they have the deadly disease.
Cervical cancer results from the
abnormal growth and division of
cells at the opening of the uterus or
womb—the area known as the cervix.
Usually, it takes about 10 years before
cancer develops.
Unlike some cancers, cervical cancer
presents early signs. “In the early
stages, cervical cancer usually causes
TB: Still a health threat
Unknown to many, the tuberculosis
bacteria can live only in people. But
there is an exception.
In most developing countries,
including the Philippines, a child may
contract TB if he drinks unpasteurized
milk from cattle infected with
Mycobacterium bovis, a bacterium that
can live in animals.
Most people who get TB suffer from
fevers, sweats and weight loss.
Otherwise it depends on what part of
the body it has affected. If it’s affected
the lungs, you’ll have a cough,
produce phlegm and sometimes
cough up blood; if it’s affected the
lymph glands, they enlarge; if it affects
14 Doctors & Business
no symptoms. It may cause spotting
or heavier bleeding between periods,
bleeding after intercourse, or unusually
heavy periods. In later stages, such
abnormal bleeding is common,” says
the second home edition of ‘The Merck
Manual of Medical Information.’
Other symptoms may include a four-
smelling discharge from the vagina,
pain in the lower abdomen, and
swelling of the legs. The urinary tract
may be blocked, without treatment,
kidney failure and death can result.
About 99.7% of cervical cases is
caused by the human papillomavirus
(HPV), a sexually transmitted infection
that is often without symptoms.
other parts of the body like the brain,
you may slowly become unconscious
or have fits.
The health department’s data showed
that there are 131 new TB cases
for every 100,000 population in the
Philippines. It is also the sixth cause
of illness and death in the country.
Everyday, almost 75 Filipinos die
because of TB.Thanks to medical
science, there are now a number
of antibiotics available which are
proven effective against TB. The most
commonly used drugs are isoniazid,
rifampin, pyrazinamide, streptomycin,
and ethambutol.
Some of these antibiotics have side
In other words, the younger a woman
was the first time she had sexual
intercourse and the more sex partners
she has had, the higher her risk of
cervical cancer.
While women may contract HPV when
they are young, cervical cancer is
most likely to develop in women 35
years or older.
Other factors that may trigger
cervical cancer among women are
early age at first birth, having many
births, tobacco use, prolonged use
of hormonal contraceptives, and an
impaired immune system, particularly
related to HIV infection.
effects like live injury, gout, and blurred
vision. Usually, two or more antibiotics
are taken.
Because TB bacteria are very slow-
growing, the antibiotics must be taken
for a long time – usually for six months
or longer. Those who fail to do so may
develop a multi-drug resistant TB.
With 7,000 cases, the Philippines has
the second highest number of multi-
drug resistant patients in the Western
Pacific, after China.
The number of drug-resistant TB
patients will rise to 14,000 in 2014,
according to Dr. Thelma Tupasi, of the
Tropical Diseases Foundation, Inc.

Through the years, people are trying
to figure out how to live longer, just like
Methuselah.
But, on second thought, merely living
longer isn’t good enough. What
people want these days is not just
living longer, but also living healthier
lives.
Dr. Steven G. Aldana, of Brigham
Young University, recently revealed
that a person may be able to add
20 years or more to his or her life by
making several health changes.
•  Exercise regularly. Exercising for
30 minutes six times a week can add
2.4 years to your life, even if you
don’t adequately control your blood
pressure.
•  Don’t smoke. “Men who smoke
a pack a day lose an average of 13
Health benefits of swimming
Swimming is a great recreational
activity for people of all ages.
Recreational swimming is a good way
to relax and feel good and it has its
share of health benefits.
•  Swimming is an excellent form
of exercise because you need to
move your whole body against the
resistance of the water. Without
overworking the heart, swimming
improves the body’s use of oxygen
and increases lung function.
It is also recognized as a terrific low
impact exercise for those who don’t
like the effects of jogging on their
knees because, while in water, you are
non-weight bearing.
Live longer!
years of life, while women lose 14
years,” said Aldana. Every year, there
are about 20,000 smoking-related
deaths in the Philippines, where about
60% of men smoke.
•  Lose weight. A person who is 20
pounds over his/her ideal weight is
50% more likely to develop heart
disease and the risk increases as
weight increases.
•  Implement good eating habits. Eat
most meals at home (restaurant food
tends to be higher in calories). Drink
water instead of soda (the sugar in
soft drinks is a main contributor to
weight gain and artificial sweeteners
have not been proven safe). Don’t eat
in front of the television (studies show
that people who engage in “mindless”
eating take in far more calories).
•  Watch what you put into your
•  Swimming alleviates stress. It is an
ideal exercise for pregnant women,
individuals with musculoskeletal
problems, and those who suffer
exercise-induced asthma.
•  Swimming can considerably reduce
high blood pressure. An Exercise
Science Department study of the
University of Tennessee in Knoxville
conducted a study on 18 participants
with stage 1 and 2 hypertensive
men and women for 10 weeks. The
groups were selected from people with
previous sedentary lifestyles, 10 being
engaged in a monitored swimming
exercise, while the other group of six
were just present for comparison. It
was noted that the swimmers` systolic
pressure had dropped significantly
MedDigest
mouth. Studies show that eating
one-quarter cup of nuts five times a
week can add 2.5 years to your life.
Fruits and vegetables lengthen your
life by 2-4 years. People who increase
their consumption of fruits and
vegetables from two to five servings
a day can reduce by half their risk of
many cancers, including pancreatic,
colorectal and endometrial cancers.
•  Sleep well. The editors of Super
Life, Super Health write: “The secret
to staying young could simply be a
good night’s sleep. Sleep rejuvenates
and revitalizes your body. Human
growth hormone (HGH) is produced
only during deep sleep. The amount of
deep sleep you get, and the amount of
growth hormone you make, decreases
with age. If you could get more deep
sleep and, therefore, produce more
HGH, you might be able to slow down
the aging process.”
from 150-144 mmHg, about 5% drop
when they were seated and also about
the same when they were lying down.
When seated, their diastolic pressure
also changed but to a lesser degree.
•  Swimming is great for
women after a breast surgery.
TheBreastcancersite.com shares this
information:
“Swimming after breast surgery is
an excellent means of exercising
all the major muscle groups, and
avoiding muscular atrophy often seen
in post-surgical patients who remain
sedentary for prolonged periods.”
( Mr. Henrylito Tacio is a contributor of
Reader’s Digest Asia )
Doctors & Business 15
Wellness
Bust stress out of your life
Y OU GET TIRED just by looking
at your to-do list. You drag your
feet to the office. You can’t have a
good night’s sleep thinking of all your
monthly expenses. Deadlines start to
make you feel edgy. Simply thinking of
tomorrow raises your blood pressure
a bit.
Sounds familiar?
Everyone has been weighed down
by stress at some point in their
lives. According to Cecilia Batalla
of Positive Psychology, stress is
normal as it is the body’s response to
demands of life. Your body’s reaction
to stress is actually meant to protect
you. However, when all your stress
indicators are constantly on alert, then
it takes a toll on your health.
To check if you are being stressed out,
watch out for these signs:
•  Physically, you experience
dizziness, general body ache, sweat,
headache, indigestion, and grinding
teeth while sleeping;
•  Mentally, you constantly worry,
are forgetful, and struggle in making
decisions.
•  Emotionally, you undergo anger,
anxiety, depression, and may even
resort to crying;
•  Behaviorally, you go on compulsive
16 Doctors & Business
By Framelia V. Anonas
eating binges and become critical of
others.
There are many things that cause
stress in people. Drinking habits as
well as eating and sleeping routines
could bring about stress. The level
of activity/inactivity—if we have so
many tons of work to do or we don’t
have anything to do—can stress
us out. Physical conditions and the
environment could also set off stress.
On the psychological level, we get
stressed out thinking of and feeling
for others. Our emotional and mental
state could also lead to stress. On
the social realm, we get stressed by
relationships, responsibilities (too
many hats to wear—at home, in
the office, outside, with friends, with
clients, etc), socio-political events, life
and lifestyle changes, and others.
How people respond to stress
A person responds to stress in four
different ways, says Batalla. He/she
could either run away from what’s
causing the stress, wage a war, get
scared, or manage it positively.
Flight. This means getting away from
it all and diverting one’s attention.
The main behavior here is denial,
demonstrated through grumbling,
overeating, and even overspending.
A person may even get into drugs,
alcohol, and smoking.
Fight. Because of stress, a person
may show angry outbursts, self
destructive behavior, and offensive
behavior.
Fright. Because of fear and anxiety
of real or imagined events, a person
becomes withdrawn and socially
isolated. He also finds it hard to make
decisions and tends to procrastinate.
Foresight. This response means
that the person has accepted the
events and consequences, seeks help
when needed, and communicates his
feelings and thoughts with others. “It
is really a matter of making a choice in
perspective,” says Batalla.
How to reduce stress
You can actually reduce all the
stresses and tensions you are feeling.
You can choose to be happy! Perhaps
you can try a couple or more of these
suggestions.
1. Slow down. Living on the fast
lane will make you want to drive even
faster. Try to get on the outer lane,
slow down, enjoy the view, and even
smell the flowers. Cross country
runners value pacing because it
maximizes their effectiveness. It’s the
same with life. Linger a bit and make
time to determine your true priorities.
You don’t have to place all of them as
number one on your to-do list!

2. Learn to say “no.” When you
have properly set your priorities after
slowing down, start learning to say
“no” to requests that may set you
off-track. Many people don’t know
how to properly refuse, so they end
up with tasks that interfere with
their set timetables. In the end, they
simply feel resentful. Don’t feel guilty
when you refuse someone’s request.
Simply say that you thank the person
for considering you for the task but
that you can’t take it at the moment
because you can’t give the attention it
deserves. Try to recommend someone
else equally qualified to do the task.
3. Prioritize your health and
well-being. Sometimes we live such
busy lives at the expense of our own
personal health. Fast foods save you
waiting time but, in the end, will lead
to weight and health problems. Find
ways how to do your work faster so
you can free up some time to have a
real healthy meal. During your work
week, find time to do some aerobics,
ballroom dancing, or just go to the
gym. You will find that these activities
are actually welcome breaks that
will energize you in between weekly
tasks. Moreover, set regular check
ups with your physician to ensure that
your body is functioning well. And if it
doesn’t, you can at once see what’s
wrong and have it treated.
4. Stop being a workaholic.
Many people spend more time at
work, perhaps uncomfortable with
the thought of leaving an unfinished
task come dismissal time. But think:
can the task wait till tomorrow? If
it’s not really urgent, then maybe
Wellness
your boss would be happier looking
at it tomorrow than at the close of
the working day. Get out from your
job’s addictive pattern and start
rediscovering the joys of being
at home. Playing with the kids,
gardening, even sorting your cabinet,
will prove therapeutic.
5. Have time with your family
and loved ones. Kids grow up fast;
soon, you’re left wondering where
the little ones are. When they get into
their teens and find lives of their own,
you’ll miss the times when they kiss
you all over. When you already have
your own schedules, make sure to
eat at least one meal a day together.
Make your mealtime together work by
allowing each one to share what has
been keeping him busy lately. Kids will
appreciate the interest you show in
Doctors & Business 17
Wellness
their activities. It will also encourage
them to be open. For singles, learn to
value time together with your family
and significant other.
Many relationships have been ruined
because partners just don’t have time
for each other.
6. Simplify. Life tends to become
more complicated by the day that it
becomes pretty hard to balance the
many demands of our various roles.
Sometimes, we depend on equipment
to help us multi-task to meet all those
demands. But do you really need all
those gadgets? When all you actually
need is to text and call, you don’t have
to stress out thinking of buying that
buffed up mobile phone on display
with all those dazzling built in features.
You don’t really need 95% of them,
anyway.
7. Pursue your passion. What do
you love doing? To some, it may be
videoke singing, dancing, cooking,
making scrapbooks, or watching
movies. To the more adventurous,
it may be mountain climbing, cross
country running, or maybe bungee
jumping.
Others love to collect souvenir
items. Whatever it is that makes you
feel cool, include it in your regular
activities. You’ll find that when you do
the activity often, you feel recharged.
(Ms. Framelia V. Anonas is a
member of the S&T Media Core
of the Department of Science and
Technology)

HOW STRESSED ARE YOU?

The Holmes and Rahe Life Stress Inventory rates some life events that trigger stress. Check some life events that
happened to you during the last two years and add the points to obtain your final score.

Life Events Pts Life Events Pts

Death of a spouse 100 Foreclosure of mortgage or loan 30
Divorce 73 Change in responsibilities at work 29
Separation 65 Son or daughter leaving home 29
Imprisonment 63 Trouble with in-laws 29
Death of close family member 63 Outstanding personal achievement 26
Personal injury/illness 53 Begin or end school 26
Marriage 50 Change in living conditions 25
Dismissal from work 47 Revision in personal habits 24
Marital reconciliation 45 Trouble with boss 23
Retirement 45 Change in work hours or conditions 20
Change in health condition of 44 Change in residence 20
family members Change in schools 20
Pregnancy 40 Change in recreation 19
Sexual difficulties 39 Change in church activities 19
Gain of new family member 39 Change in social activities 18
Business readjustment 39 Change in sleeping habits 16
Change in financial state 38 Change in number of family 15
Death of close friend 37 get-togethers
Change to different line of work 36 Change in eating habits 15
Change in number of arguments with 35 Vacation 13
spouse Christmas alone 12
Mortgage of over P4 million 31 Minor violations of the law 11
A score of 300+ means you are at high risk for illness, while 150-299+ means your risk for illness is moderate.
If your total points are less than 150, you have a slight risk for illness.

18 Doctors & Business


A no-pain way to get rid of
gallstones
2 007 WAS A WATERSHED year for
then Henkel Phils. president Cris
Aquino.
From being an employee, albeit a
highly-paid one in a multinational
company, she became an employer,
putting up two companies, both of
which catered to her strength as a
chemist. She also found out in the
course of her regular executive check-
up that she had three
big gallstones and
several small ones
to boot. Her doctor
recommended
immediate surgery.
She opted for a non-
invasive procedure
instead.
“A friend
recommended that
I try flushing. After
my first session
in April 2007, I
flew to Germany
on business and had
another ultrasound. The
doctor was amazed because he saw
only one gallstone. I took care of that
with another session in July of the
same year,” she said.
Aquino is several of hundreds Filipinos
who have participated in the monthly
wellness workshops held by The
Global Vital Sources Co since January
2007.
By Margaret Jao-Grey
Although the workshop covers lectures
on how to eat well but healthily and
how to create a life balance that
makes you more happy and, therefore,
less stressed, its core is the flushing
or detoxification of toxins from the liver
and gallbladder, which are sometimes
described as the body’s janitor and
his Axion and the body’s first line of
defense.
“When you flush, your body’s
performance improves because you
remove the clogs. Toxin build-up
caused by improper diet, pollutants,
and an unhealthy lifestyle lowers
the immune system and increases
the chances of disease to set in,”
said Global Vital Source chairman
and chief executive officer Jean
Goulbourn.
Wellness
The procedure starts with a controlled
diet of soups, juices, and all the fruits
you can eat for five to six hours to
hydrate the body. This is followed by a
four-hour fast that includes water.
Between six in the evening and eight
in the morning of the next day, each
participant is given five glasses of
liquids containing natural and organic
elements such as Epsom salt that
prompt the body to expel
gallstones of different
colors and different sizes.
“There’s no pain
involved but expect
to take numerous
trips to the bathroom
between seven and
10 the next morning,”
said Goulbourn. “About
80% of gallstones
are caused by bad
cholesterol, the
accumulation of all
those years of eating
fried and greasy food
that Filipinos, Chinese, and
Americans like.”
One happy side effect of flushing is the
loss of weight as the body rids itself
of excess water. The usual weight
loss is between one and two pounds,
although there are cases such as
Carmelite nun Sr. Mary Niere who lost
eight pounds overnight.
Doctors & Business 19
Wellness
“When I joined the workshop, I was
35 pounds overweight and in need of
knee surgery because of my weight.
After the initial loss of eight pounds,
I lost another 28 pounds in the span
of one year by eating right. Health
is indeed a precious gift,” said the
78-year-nun who no longer needs
surgery. In fact, the Zamboanga-
based nun is more active than ever,
frequently traveling all around the
country and abroad to lecture on
contemplative praying.
Diet and lifestyle
“You can still eat what you like and
be healthy. Just prepare the food
differently by steaming rather than
frying. Also avoid sweets and red meat
because cancer cells thrive in sweet
and acidic environments,” said holistic
nutritionist Dale Flores. Health trends
worldwide show that lung cancer is the
biggest killer for both men and women.
In Asia, the Philippines has the highest
incidence of breast cancer largely
due to a diet of high fat, high salt, and
high sugar. Interestingly, Bicol has the
longest life expectancy in the country
because coconut is a widely used
ingredient in cooking.
There are three underlying causes
of cancer. An unhealthy diet is one.
Stress is another. Chemical intake is
a third. Smoking can hurt the lungs;
alcohol, the liver; and too much salt,
the kidney.
“Research shows that cancer patients
hate vegetables and eat a lot of red
meat. They also have problems with
emotions because they have a tough
time letting go and forgetting,” said
Flores.
Contrary to public perception, eating
20 Doctors & Business
healthy is not expensive. For example,
the lowly malunggay packs more
calcium than milk and more Vitamin
C than any citrus fruit. In contrast,
vitamins in tablet form are only 30%
absorbed by the body.
One happy side effect of
flushing is the loss of weight
as the body rids itself of excess
water. The usual weight loss is
between one and two pounds,
although there are cases such
as Carmelite nun Sr. Mary
Niere who lost eight pounds
overnight.
“At the end of the day, it’s important
for everyone to increase their health
awareness by dealing with their own
‘doctor within’. Learn to listen to your
body. Take care of it. Stress that you
can take at 25, your body might not be
able to take at 55,” said Flores.
A case in point is Goulbourn, who
had off-and-on-again fever and
coughing over a period of 60 days
two years ago. Prescribed antibiotics
and steroids, she also experienced
cramps and depression. It was when
she consulted a naturopath doctor
that her road to wellness began. She
was given a therapeutic wrap and lots
of soups and juices. Four-and-a-half
hours later, her temperature returned
to normal. She hasn’t had even a cold
since.“It took me 10 months to change
my lifestyle, to redesign my life. It took
that much time to look into my inner
body so that I could move out of the
box.
“Food is the best medicine. It is also
important to prioritize what is important
to you. When you are in your 30s,
you want to achieve a lot even at the
cost of health,” said Goulbourn, who
no longer reads newspapers at night
nor listens to TV news nor makes
business decisions after 6 p.m. to
reduce stress. She also takes her
dinner no later than 7 p.m. for better
digestion.
Advocacy
Goulbourn describes herself as
a natural wellness and natural
medicines advocate. She is, of course,
better known as the first local fashion
designer to put up her own ready-
to-wear collection and as a producer
of locally-made silk mixed with other
indigenous fabrics like piña that are
exported to European fashion houses
such as Balenciaga.
”When I entered the wellness
business, I thought that I would just
bridge people to the right doctors and
the right nutritionists. But after having
personally experienced poor health, it
boiled down to helping those who are
not already ‘sick-sick’ but just suffering
physical discomfort. These are the
ones who easily bounce back after
body cleansing,” said Goulbourn.
Global Vital Source focuses on
digestive clean up or DCU modules,
which cover the upper digestive tract
or the stomach, small intestine, liver,
and gallbladder.It piloted the liver
and gallbladder module sometime
in the fourth quarter of 2006. “We
chose Bacolod for several reasons.
The people there are more conscious
of eating healthy. In fact, Negros
Occidental Gov. Joseph Maranon
has a ‘Go Organic’ program that
encourages healthy eating. We also
got a lot of help from Liz Querubin-
Ascalon in getting together 10
volunteers at the Punta Hulata Beach
and Spa,” said Goulbourn.

The first official wellness workshop in
January 2007 had 28 people. “It was
a memorable group. We had seven
people who each lost eight pounds. Of
the seven, five have retained their new
weight,” said Goulbourn.
In its marketing effort, which is
entirely by word of mouth, Global
Vital is careful not to promise that the
workshop will take away gallstones
although its experience so far shows
that eight out of ten participants claim
some level of pain relief after flushing.
Instead, the company describes the
workshop as a non-medical, non-
surgical healthcare prevention that
follows the protocols of a naturopath
doctor. There are nurses on stand
by during the entire workshop and
the venue itself is close to a tertiary
hospital, The Medical City.
Bright plans
More than a year into the venture, the
company has already received buyers’
interest, all of which have been turned
down.
“Acceptance has increased. It’s easier
to talk to the younger ones up to 40
because they’re open to new ideas.
Men find it harder to join but they need
to because prostate cancer is food-
related,” said Goulbourn.
There is also corporate interest. A
Binondo-based company with 400
employees and the Rustan’s Group
have signed up and will be sending
employees in batches of 30 to a
bigger venue in Fray Clemente Center
behind the San Juan de Dios Hospital.
The rate per person is half that at
Wellness
Discovery Suites.
The company has also opened an
information center at the fifth floor of
Rustan’s Makati where enrollment is
accepted and where wellness lectures
are held every six weeks.The major
source of future income for Global
Vital Source, however, is expected to
come from the production of organic
food.
“This is a difficult project because
the food we will produce has no
preservatives and, therefore, has a
short shelf life,” said Goulbourn.
Right now, though, Goulbourn and her
partners at Global Vital Source are
more interested in advocating good
health rather than making money out
of it.
Doctors & Business 21
Business
Sorry tales of unwary bank
depositors
The case of the unrecorded
deposit
A RETIREE has been regularly doing
business with the savings and loans
association for policemen because it
offered an interest rate that is at least
three times that of any commercial
bank. His problem began when the
SLA set a lower time deposit ceiling,
which meant that the SLA quarterly
released P500,000 to him until his
balance reached the lower deposit
ceiling.
With that much cash in hand, the
retiree shopped around for a bank
where he could put his excess cash.
Resigned that he wouldn’t get the
same high interest rate as his SLA,
the retiree decided he wanted to
do business with a small but senior
citizen-friendly bank.
He finally decided on one where the
bank manager gave him the personal
touch. He never had to line up like
everybody else inside the bank; he sat
inside the bank manager’s office and
was served coffee while the manager
did the paperwork for him. When he
couldn’t go to the bank, the manager
personally went to his home and
picked up his cash deposit. Needless
to say, the retiree was very happy
with the bank manager. In fact, he
remembered the bank manager during
his last trip abroad and bought her a
souvenir.
One day, the retiree went to the bank
for some much-needed cash. The
22 Doctors & Business
manager was, however, absent that
day so the retiree asked the help of
the assistant manager. That was when
the retiree learned that his deposits
were never registered.
Bangko Sentral red flags
that indicate bank fraud
•  Off-site transactions (inside the
office of the manager and at
home)
•  Dealing with only a single
individual
•  No validation mode
The case of the converted
time deposits
THE SECURITY GUARDS know him
by sight. He goes to the bank, always
wearing a not-too-clean white shirt
and slippers and a canvas shopping
bag that has seen better days. Bank
personnel also know him by sight
as well as by his big time deposit,
which he continued to augment with
more money coming from inside
his shopping bag. Since he kept his
first certificate of time deposit safely
at home, the depositor did not ask
for similar certificates every time he
rolled over his time deposits and
added more money to it. One time,
the bank manager approached him
and asked him if he wanted to convert
his time deposit into shares of stock.
Illustration by: Emmanuel Garcia
The manager said he talked to the
owners about how good a bank client
he was and the owners wanted him
as a minor partner. The depositor,
however, wasn’t interested, saying he
was a low-profile businessman and he
wanted to stay that way.
Another time, the bank manager told
the depositor that he could earn a
“guaranteed” higher interest rate with
an investment management account
or IMA. Attracted by the higher interest
rate, he agreed, accepting an unsigned
note as “guarantee”, which he, of
course, kept in the same place as his
original certificate of time deposit.
Later on, the bank was sold to another
group, which declined to accept its
liability on the IMAs. It seems the IMAs
were invested in a sister company
of the old bank or in non-performing
assets. The depositor was left holding
an empty bag.
Bangko Sentral red flags
that indicate bank fraud:
•  Unusual interest in his deposit
•  The offer of high interest rates
•  Bank is in dire need of capital
from depositors
•  Similarity in corporate names
and logos of the bank and its
related company
•  Unsigned guarantee
 Business

Doctors & Business 23

Business
How to spot a franchise scam
F RANCHISING has made great
inroads in the Philippines because
of the increasing number of people
succeeding in business through this
route.
But franchising has a downside: it has
given rise to scams.
Franchise scams have indeed, been
on the upswing but it hasn’t reached
crisis proportions as it had in the
United States in the 1970s (considered
franchising’s “dark ages”) when
countless individuals were duped into
investing in non-existent franchises.
The situation became so bad that
the US government had to step in to
regulate the franchising sector.
We haven’t reached the boiling point
yet but we may well be on our way if
we do not take steps to stop franchise
scams in their tracks. Unfortunately,
we are on our own in this, as no
government agency exists to regulate
franchise operations in the Philippines.
But we can start by advocating
responsible franchising. It doesn’t
mean we’re promoting “perfect
franchising,” because nowhere in
the world would one find a foolproof
system. Each franchise system is
fraught with problems and challenges
and it is vital for one to know how to
distinguish between a responsible
franchiser and a con artist.
The first will readily admit that his
24 Doctors & Business
By Erlinda S. Bartolome
system is imperfect but he’s committed
to helping the franchisees achieve
the same level of success he did
with company-owned branches. The
latter will rave about his franchise
but will gloss over its imperfections.
He’s out only to collect the fees and
is not the least interested in helping
the franchisees. Despite the obvious
difference, many people can’t tell one
from the other. Being able to spot
a franchise scam is the best way to
avoid losing one’s shirt. The following
are the red flags to look for to keep
from falling prey to swindlers:
Promise of good returns. Like a
suitor who would vow to give heaven
and earth, you will know the franchiser
is pulling your leg if he promises too-
good-to-be true profits even with little
or no effort from you. Responsible
franchisers do not guarantee specific
rate of returns.
All they will offer is a business system
that has worked for them and, if
followed to the letter, would also work
for you if you were hands-on with
the business. Good franchisers lay
their cards on the table and know
how to manage your expectations.
They are successful because they’ve
worked hard to build their system and
are committed to growing it through
franchising.
High-pressure tactics. Be wary of
people who pressure you into parting
with your money now because the
franchise fees will go up tomorrow or
lure you into getting their buy-one,
get-one franchise-free offer. This tactic
not only trivializes a franchise but also
deprives you of your right to do due
diligence. A franchise often entails
a major investment and those not
wanting you to do some background
checks are those with skeletons to
hide.
Evasive answers to questions
about the franchise. Franchisers
or their representatives should know
their franchise like the back of their
hand. They should be able to answer
whatever questions you may have.
And if they cannot answer right away,
at least they’re eager to get back to
you as soon as they have it. Your
alarm bells should sound once you
ask how long the franchise has been
around or how well the franchised
outlets have been doing and they
answer by hyping their profits instead,
A con artists is one who paints a rosy
picture of his franchise: how profitable
all the franchise outlets have been and
the short time before you can get your
investments back.
Franchiser doesn’t have a track
record. A business concept that
has not been tested in the market
or a franchise with no company-
owned branches is one indication of
a franchise scam. For a franchiser to
be considered legitimate, he should
have been in business at least a year
and is overseeing at least a couple of

successful company-owned outlets.
Responsible franchising means the
franchiser is making available a
business system that he has operated
successfully. What model can he hold
up if the franchiser has not proven that
his system is actually working? How
can the franchiser share a successful
experience if he has none?
Steep start-up fees. Any
franchise investment can be
broken down and each fee justified.
There is a formula for computing
the fees that franchisers follow
when franchising their business.
Responsible franchisers are wise to
set a reasonable franchise investment
because the sooner the franchisee
recovers the investment, the better
for the business and the
franchiser’s reputation.
A swindler will tend to
charge exorbitant
fees because
he is more
interested
in raking in
money than in
the franchisee
recouping his
investment.
A true
franchiser
cares about
how you will
recover your
investment and
is upfront with
how your payment
will be used in the
franchise.
Talking to the franchise broker
instead of with the franchiser.
While franchise brokers may be of
help, their involvement ends at some
point in the application process. You
should have the chance to meet with
the franchiser and the broker should
be willing to schedule a meeting. If
the broker turns down your
request for an
appointment,
it is time to look for other franchise
offerings. A franchise is fraudulent if
the only people willing to sit down with
you are the brokers or the marketing
Business
staff. You should be able to meet the
franchiser in person.
Lack of a franchise organization.
Check if the franchiser has put an
organization in place that will guide
you when you operate your franchise.
If there is none, it means you will be
on your own when you operate
your franchise. Bona fide
franchisers design an effective
system that will help you make
your franchised branch a success.
These are but a few of the warning
signs to watch when buying a
franchise, although the best way to
protect us from falling victims is still to
do our homework. We should neither
allow ourselves to be stampeded into
buying a franchise nor be lured by
attractive sales pitches. Invest time
instead in verifying franchise
offering that catch our interest
and in making sure these
franchises have solid
track records in the
industry. Talk with
as many people as
possible: with the
franchisers, with the
middle management
of the franchise
organization, and
most important,
with the franchisees
themselves. You will
then be contributing
towards stemming the tide
of franchise scams in the
country.
Illustration by: Emmanuel Garcia
Unscrupulous franchisers erode
the credibility of franchising and
discourage others from using this
expansion route that has changed the
world of business.
(Ms.Erlinda S. Bartolome is a certified
franchise executive)
Doctors & Business 25
Franchise Ideas
Below P500,000 Franchises
BAYAD CENTER
Type of business: Service
Vice president and operations head:
Mr. Francispito Quevedo
Company name: CIS Bayad Center, Inc.
Address: Business Solution Center,
Meralco Complex, Ortigas Ave., Pasig City
Telephone: 914-2160; 1622-5520
Fax: 914-2160
E-mail: msroa@cis.com.ph;
www.bayadcenter.com
Total capital investment: P487,000.00
Franchise fee: P150,000.00
No. of outlets: Company-owned:4;
Franchisees: 192
Royalty fee: None
Marketing/Advertising fee: 2%
Terms of renewal: 5 years
BUY THE BUCKET
Type of business: Food
President: Mr. Jorge Noel Weineke III
Telephone: 895-0642; 895-0619
Fax: 895-0046
No. of outlets: Company-owned: 9;
Franchisees: 4; Joint venture: 1;
Dealership: 1
BUY THE LITER
Type of business: Retail
Owner: Mr. Michael Yao
Company name: Buy the Liter Enterprises
Address: 3F Northridge Plaza, #2
Congressional Ave., Proj. 8, Quezon City
Telephone: 490-3383; 972-1739
Fax: 927-2783
E-mail: buytheliter@gmail.com
No. of outlets: Company-owned: 1;
Licensees: 4
Terms of renewal: 4 years
CANDY CORNER
Type of business: Food
President: Mr. Ricardo Andres
Company name: Candy Corner
Franchising Corp.
Address: 1 Saint Augustine Street, Brgy.
26 Doctors & Business
Oranbo, Pasig City
Telephone: 632-7741; 632-0379
Fax: 632-7741
E-mail: info@candycorner.ph
www.candycorner.ph
Total capital investment:
Between P360,000 and P600,000
No. of outlets: Company-owned: 50;
Franchisees: 27
Franchise fee: P130,000
Royalty fee: 4%
Marketing/Advertising fee: 1%
Terms of renewal: 4 years
CHICHARIFIC BY LAPID’S
Type of business: Food
President: Ms. Erlinda Lapid Dioquino
Address: Room B, Ground Floor, ECM
Bldg., Town and Country Commercial
Arcade, Marcos Highway, Cainta, Rizal
Telephone: 645-7936
Fax: 677-8467
E-mail: chicharific@yahoo.com
FRUITAS
Type of business: Food
President: Mr. Lester Yu
Company name: Lush Enterprises
Address: 2-E Agno St. corner D. Tuazon
St., Barangay Dona Josefa, Quezon City
Telephone: 731-8886; 413-7438
Fax: 731-9778
E-mail: lushent@yahoo.com
HBC HOME AND BEAUTY EXCLUSIVES
Type of business: Service
President: Dra. Rosalinda Ang Hortaleza
Company name: HBC Inc.
Address: 548 Mindanao Ave. corner
Quirino Highway, Novaliches, Quezon City
Telephone: 984-5555 loc. 141
Fax: 455-6086
E-mail: franchise@hbc.com.ph
www.hbc.com.ph
Total capital investment: Between
P350,000 for cart and P4 million
for full store
Franchise fee: Between P100,000 and
P750,000
No. of Outlets: Company-owned 186;
Franchisees: 3
Royalty fee: 5% of gross sales
Marketing/Advertising fee: 3% of
gross sales
Terms of renewal: 5 years
INKRITE INK REFILLING STATION
Type of business: Retail
Owner: Mr. Joseph Anthony Luna
Company name: JH Office Solutions Inc.
Address: 26 Aurora Blvd., San Juan, MM
Telephone: 724 4261; 724 4346
Fax: 721 5331
E-mail: psicom@info.com
KISS KING OF BALLS
Type of business: Food
President: Mr. Melchor Flores
Company name: KISS King of Balls, Inc.
Address: 110 Mindanao Ave., Quezon City
Telephone: 929-3423; 454-5538; 454-5503
E-mail: kkbi@pacific.net.ph
LOTS’A PIZZA
Type of business: Food
Vice president and treasurer:
Ms. Teresita Ngan Tian
Franchise director: Mr. Robert Ngan Tian
Company name: Lots’a Pizza Franchise
System Inc.
Telephone: 873-8435
Fax: 873-8414; 872-9122
E-mail: info@lotsapizza.com.ph
MAGIC MELT
Type of business: Food
President/chief executive officer:
Ms. Carolyn Go
Company name: Magic Melt Foods Inc.
Address: 1242 Salbellano St., Puerto
Princesa Labangon, Cebu City
Telephone: (032) 261-0297
Fax: (032) 262-2326
Email: magicmelt@mozcom
www.magicmelt.com
MR. SOFTY
Type of business: Food

Franchise manager: Mr. Vernon Perea
Company name: Mr. Softy Franchise
Systems, Inc.
Address: 74 Tangerine St., SSS Village,
Marikina City
Telefax: 941-8163; 934-8007
E-mail: mr.softlyphil@hotmail.com
PICK & MIX BY CANDY MIX
Type of business: Food
President: Mr. Edison Mariano
Company name: Candy Mix Plus, Inc.
Address: GCW-2 Guanio Compound, C.
Raymundo Ave., Maybunga, Pasig City
Telephone: 628-2298
Fax: 641-6998
E-mail: candymix_96@yahoo.com
Total capital investment: Between
P350,000 and P500,000
Terms of renewal: Between 4 and 5 years
PIZZA PEDRICO’S
Type of business: Food
Managing director: Mr. Kervin Tan
Company name: Pizza Pedrico’s
Food Corp.
Address: 58 B. G. Araneta Ave., QC
Telephone: 713-2568
Fax: 713-6258
E-mail: kerwin.tan@jiggsthomas.com
www.pizzapedricos.com
Total capital investment: P 300,000
No. of outlets: Company-owned: 4;
Franchisees: 32
Royalty fee: P100,000 renewal period
Marketing/Advertising fee: 5%
Terms of renewal: 5 years
POTDOG YUMMY YES DELIGHTS
Type of business: Food
President and chief executive officer:
Ms. Lenny Lyn Ang
Company name: Happy Delights Inc.
Address: Grand Central Rizal Ave.,
Caloocan City
Telephone: 732-3046
Fax: 742-9336
E-mail: lennieang@yahoo.com
Total capital investment: Between
P300,000 and P500,000
No. of outlets: Company-owned: 6;
Franchisees: 40
Franchise fee: P150,000
Royalty fee: None
Marketing/Advertising fee: None
Terms of renewal: 3 years
POTATO CORNER
Type of business: Food
President: Mr. Jose Magsaysay, Jr.
Company: Cinco Corp..
Address: 869 Katarungan St. Brgy.
Plainview, Mandaluyong City
Telephone: 534-5845 to 46
Fax: 534-5849
E-mail: cincofranchise@yahoo.com
www.cincocorporation.com.ph
ROYAL CARIBBEAN JAMAICAN PATTIES
Type of business: Food
Marketing manager: Ms. Beatrix Reyes
Company name: Nine Dots Corp.
Address: 24 Berbenia St., Tahanan
Village, Parañaque
Telefax: 842-5680; 772-1941
E-mail: ninedots@edsamail.com.ph
SAM’S EVERYTHING ON STICK
Type of business: Food
President/chief executive officer:
Mr. Reymont Chouchuy
Company name: Noble House
Business Brokers Inc.
Address: 30 Cement Compound
Congressional Ave.
Quezon City
Telephone: 453-5239 to 40
Fax: 926-3176
E-mail: xtishellmunoz@yahoo.com
www.noblehouse.ph.com
Total capital investment: Between
P150,000 and P400,000
Franchise fee: P90,000
No. of outlets: Company-owned: 2;
Franchisees: 60
Royalty fee: 5%
Marketing/Advertising fee: None
Terms of renewal: 5 years
Franchise Ideas
3M PIZZA PIE
Type of business: Food
President: Mr. Duke Sage
Company name: Supremo Food Corp.
Address: 77 Evangelista St. corner Malvar
St. Quezon City
Telephone: 496-5334
Fax: 421-1489
E-mail: sage3m@yahoo.com;
www.3mpizzapie.com.ph
Total capital investment: P260,000
Franchise fee: P150,000
No. of outlets: Company -owned: 4;
Franchisees: 19
Royalty fee: 5%
Marketing/Advertising fee: 1%
Terms of renewal: 3 years
WAFFLE TIME
Type of business: Food
Chief executive officer: Mr. Johnny Que
Company name: Waffle Time Inc.
Address: 63 San Luis St. Pasay City / Door
4 QHP Bldg., Arsenal St. Iloilo City
Telephone: 550-9912; (033)335-0026
Fax: 552-9208; (033)335-0026
E-mail: customerservice@waffletime.com;
www.waffletime.com
Total capital investment: P300,000
Franchise fee: P50,000
No. of outlets: Company-owned: 219;
Franchisees: 141
Royalty fee: 5%
Marketing/Advertising fee: 5%
Terms of renewal: 3 years
ZEN ZEST
Type of business: Retail
President: Ms. Michelle Dula Asence
Company name: Zen Zest
Lifestyle Product
Address: 64 B & C E. Rodriguez Ave.
Marikina City
Telephone: 933-1201
Fax: 933-1202
E-mail: zenzest@yahoo.com
Total capital investment: P300,000
No. of outlets: Company-owned: 40;
Franchisees: 49
Doctors & Business 27
Franchise Ideas
Franchise fee: P100,000
Royalty fee: None
Marketing/Advertising fee: 1%
Terms of renewal: 3 years
P500,000 to P1 million
Franchises
AQUA 2000 WATER
Type of business: Service
President: Mr. Alberto Alejo
Company name: Aqua 2000
Water Tech Inc.
Address: 78 Mindanao Ave. Quezon City
Telephone: 454-3780; 920-7224
Fax: 454-3787
E-mail: aqua2000@pacific.net.ph;
www.aqua2000ph.tripod.com
Total capital investment: P500,000
Franchise fee: 450,000
No. of outlets: Company-owned: 3;
Franchisees: 200
Royalty fee: P4 / gallon
Marketing/Advertising fee: 2%
Terms of renewal: 7 years
AQUA SOFT WATER
Type of business: Service
President: Ms. Hope Lee
Company name: Aqua Soft
Water Systems, Inc.
Address: 5F King Cater Bldg., 57 Sgt. E.
Rivera St., Quezon City
Telephone: 364-9633
Fax: 363-8171
BIG APPLE EXPRESS SPA
Type of business: Service
Chief executive officer: Mr. Karlo Nisce
Franchise director: Mr. Victor Fernando
Company name: Pranav Global President: Mr. Reginald Robillos
Ventures Corp.
Address: 3rd Level West Wing, Robinsons
Galleria Ortigas Ave., Mandaluyong City
Telephone: 631-1697
Fax: 631-1697
E-mail: victor.fernando@pranavglobal.com;
www.pranav.global.com
Total capital investment: Between
28 Doctors & Business
P800,000 and P1.2 million
Franchise fee: P100,000
No. of outlets: Company-owned: 2;
Franchisees: 5
Royalty fee: 5-7% gross sales monthly
Marketing/Advertising fee: 5%
Terms of renewal: 5 years
BINALOT FIESTA FOOD
Type of business: Food
President: Mr. Rommel Juan
Company name: Binalot Fiesta Foods, Inc.
Address: 3686 Sun Valley Drive, Sun
Valley Subdivision, Parañaque City
Telefax: 824-7014; 821-0509
E-mail: ilovebinalot@gmail.com
BREAD & BUTTER
Type of business: Food
President: Mr. Guidon Dela Cruz
Company name: Bakers Dream
Franchise Corp.
Address: 50 Osmeña Ave. Kalibo, Aklan
Telephone: (036) 500-7777
Fax: (036) 2685721
E-mail: macciri@runbox.com;
www.macciri.com
Total capital investment: Between
P700,000 and P1million
Franchise fee: Between P150,000
and P200,000
No. of outlets: Company -owned: 8;
Franchisees: 20
Royalty fee: 1.5% of gross sales
Marketing/Advertising fee: 1.5% of
gross sales
Terms of renewal: 5 years
BUNS & PIZZA
Type of business: Food
Company name: Buns & Pizza Inc.
Address: B5 L50-52 ACM PH9 Columbia
Heights, Alapan 1 A1, Imus, Cavite
Telephone: 046-875-5204
Fax: 6700-5631
E-mail: buns_and_pizza@yahoo.com;
www.bunspizza.com
Total capital investment: Between
P500,000 and P600,000
Franchise fee: P250,000 (Luzon);
P300,000 (Visayas & Mindanao)
No. of outlets: Company-owned: 5;
Franchisees: 65
Royalty fee: None
Marketing/Advertising fee: None
Terms of renewal: 3 years
CRYSTAL CLEAR WATER STORE
Type of business: Service
President: Mr. Jose Antonio Soler
Chief operating officer: Mr. Cyd Bascar
Company name: Solerex Watch Tech.
Address: 369 Dr. Sixto Antonio Ave. corner.
Sandoval Bridge, Maybunga, Pasig City
Telephone: 642-3448 ; 642-2974
Fax: 642-3815
E-mail: solrex@pldtdsl.net;
www.crystalclear.com.ph
Total capital investment: P900,000
No. of outlets: Company-owned: 9;
Franchisee: 350
Franchise fee: None
Royalty fee: P1/mtr. gallon of
water dispensed
Marketing/Advertising fee: P0.50/ gallon of
water purchased
Terms of renewal: 5 years
FIORGELLATO
Type of business: Food
President: Mr. Ricardo Cuna
Company name: Milkin Corp.
Address: 1263 Gen. Luna St.,
Ermita, Manila
Telephone: 524 -0384
Fax: 524- 0385
E-mail: kiosk1263@yahoo.com;
www.fiorgellato.com
Total capital investment: Maximum of
P950,000
Franchise fee: P150,000
No. of outlets: Company-owned: 23;
Franchisees: 27
Royalty fee: None
Marketing/Advertising fee: None
Terms of renewal: 3 years

FRUIT MAGIC
Type of business: Food
President: Dr. Alfredo Escalona
Company name: Fruit Magic Inc.
Address: 27 Rizal Ave. Grace Park,
Caloocan City
Telephone: 364-3621; 364-6927
Fax: 366-2934
E-mail: edocunanan@fruitmagic.com.ph
www.fruitmagic.com.ph
Total capital investment: P700,000
Franchise fee: P300,000 plus
value added tax
No. of outlets: Company-owned: 47;
Franchisees: 12
Royalty fee: 5%
Marketing/Advertising fee: 2%
Terms of renewal: 5 years
GOTO KING
Type of business: Food
Chairman and chief executive officer:
Ms. Teresa Dula Laurel
Company name: Cater King Food Corp.
Address: 159 Kamias Road Ext., QC
Telephone: 922-3206; 928-9716 loc. 14
Fax: 922-3206
E-mail: momrosa@vasra.com
Total capital investment: Between
P500,000 and P2.5 million
Franchise fee: Between P280,000 and
P420,000
K2 DRUGSTORE
Type of business: Service
Proprietress: Ms. Rebecca Bucad
Company name: K2 Drugs, Inc.
Address: 9 Emerald Commercial Center,
J. P. Rizal, Project 4, Quezon City
Telephone/Fax: 913-7271
E-mail: k2drug@yahoo.com
Total capital investment: Depends on
the store size
Franchise fee: P300,000
No. of outlets: Company-owned: 11;
Franchisees: 8
Royalty fee: 4%
Marketing/Advertising fee: 3% of gross
sales
Terms of renewal: 3 years
MINUTE BURGER
Type of business: Food
President: Ms. Judy Guevara
Company name: Leslie Corp..
Address: 4 Dama de Noche St., UPS IV,
Parañaque City
Telephone: 823-2566
Fax: 776-7339
E-mail: minuteburger@leslie.com.ph
Total capital investment: P500,000
Franchise fee: P50,000
No. of outlets: Company-owned: 2;
Franchisees: 47
Royalty fee: P7,000/month /store
Marketing/Advertising fee: P1,500.00
Terms of renewal: 2-3 years
MISTER DONUT
Type of business: Food
President: Mr. Mauro Agustines
Address: 7/F Ramcar Center, Mister Donut
Phils., 80-82 Roces Ave., Diliman, QC
Telephone: 373-3303 / 7913 / 3201
Fax : 373-1234 / 3301 / 373-7913
E-mail: bdd@misterdonut.ph;
www.misterdonut.ph
Total capital investment: Minimum of
P600,000
Franchise fee: P120,000
No. of outlets: Company-owned: 63;
Franchisee: 49
Terms of renewal: 4 years
MRS. FIELDS
Type of business: Food
President: Mr. Gerwyn See
Company name: Ababa Corp..
Address: 4072 Gen Mascardo St.,
Bangkal, Makati City
Telephone: 887-1151; 843-4822
Fax: 843-4822 loc. 105
E-mail: gerwyn.see@ababacorp.com;
www.mrsfields.com
Total capital investment: P1 million
Franchise fee: P500,000
No. of outlets: Company-owned: 10;
Franchisees: 9
Franchise Ideas
Royalty fee: 6%
Marketing/Advertising fee: 2%
Terms of renewal: 3 years
PIXIE’S SINUGBA
Type of business: Food
Franchise manager:
Mr. Jose Maria Rey Valencia
Company name: Pixie’s Sinugba Inc.
Address: 3 Road 1 Brgy. Bagong Pag-asa,
Quezon City
Telephone: 920-8357
Fax: 920-8359
E-mail: jp@pixiessinugba.com
Total capital investment: P500,000
Franchise fee: P100,000
No. of outlets: Company-owned: 24;
Franchisees: 15
Royalty fee: 5%
Marketing/Advertising fee: 3%
Terms of renewal: 5 years
PLATO WRAPS
Type of business: Food
President: Mr. Antonio Seen
Company name: Panadero Antonio
Address: 301 Crisologo Compound,
Tapuac District, Dagupan City, Pangasinan
Telephone: (075) 515-7692
E-mail: platowrap_2000@yahoo.com
RIBBON FRIES
Type of business: Food
President: Mr. Peter Nathaniel Carrillo
Company name: Ribbon Fries
Food Concepts Inc.
Address: 50 P. Aguilar St. San Francisco
del Monte, Quezon City
Telephone: 374-1083
Fax: 374-1083
E-mail: ribbonfries@gmail.com
Total capital investment: P500,000
Franchise fee: P250,000
No. of outlets: Company-owned: 3;
Franchisees: 22
Royalty fee: 5%
Marketing/Advertising fee: 2%
Terms of renewal: 4 years
Doctors & Business 29
Franchise Ideas
THE GENERICS PHARMACY
Type of business: Retail
President: Mr. Benjamin Liuson
Company name: The Generics Pharmacy
Franchising Corp.
Address: 459 Quezon Ave., Quezon City
Telephone: 711-3933
Fax: 712-4921
E-mail: comments@thegenericspharmacy.
com; www.thegenericspharmacy.com
Total capital investment: Between P700,00
and P800,000
Franchise fee: P170,000
No. of outlets: Company-owned: 1;
Franchisees: 180
Advertising fee: 1%
Terms of renewal: 6years
Between P1 million and P5
million Franchises
ACT ELECTRONIC CENTER
Type of business: Service
President: Mr. Alberto Co Tenedero
Company name: JCMB & IBT Franchising
System, Inc.
Address: Alcajat Bldg., 915 Banawe corner
G. Roxas, Quezon City
Telephone: 361-6747
Fax: 365-5879
E-mail: franchise@actelectronic.net
AHEAD TUTORIAL & REVIEW CENTERS
Type of business: Service
President: Ms. Rossana Llenado
Company name: Ahead Learning
System, Inc.
Address: 337 Katipunan Ave., Loyola
Heights, Quezon City
Telephone: 920-2900
Fax: 433-9300
E-mail: aheadfranchise@gmail.com;
www.aheadph.com
Total capital investment: Between P2
million and P3 million
Franchise fee: P2 million in Metro Manila;
P1million in the provinces
No. of outlets: Company-owned: 3;
Franchisees: 2
30 Doctors & Business
Royalty fee: 10%
Marketing/Advertising fee: 2%
Terms of renewal: 5 years
AQUA BEST
Type of business: Service
President: Mr. Carson Tan
Company name: GQWest Inc.
Address: 883-C Quezon Ave., Brgy. Sta.
Cruz, Quezon City
Telephone: 412-9652 to 54
Fax: 410-0142
E-mail: aquabestlife@yahoo.com;
www.gqwest.com
Total capital investment: P1 million
No. of outlets: Company-owned: 1;
Franchisees: 447
Franchise fee/Royalty fee: None
Terms of renewal: 3 years
BAYO
Type of business: Retail
President/general manager:
Mr. Ferdinand Agustin
General manager: Ms. Pinky Estribillo
Company name: Lyncor Inc.
Address: 8C Mercury Ave.corner
E.Rodriguez Ave., Libis, Quezon City
Telephone: 421-6228 to 31
Fax: 421-6204
E-mail: franchise@bayo.com.ph;
www.bayo.com.ph
Total capital investment: Between
P2 million and P3 million
Franchise fee: P600,000 plus
value added tax
No. of outlets: Company-owned: 35;
Franchisees: 20
Royalty fee: None
Marketing/Advertising fee: 1%
Terms of renewal: 5 years
BIOESSENCE FACIAL & SLIMMING
CENTER
Type of business: Service
President: Dr. Emma Beleno Guerrero
Company name: Bioessence Philippines
Address: 67 West Ave., West Triangle,
Quezon City
Telephone: 372-9910; 415-0522;
372-9919
Fax: 372-9910; 415-0522
E-mail: abc@bioessencephil.com;
www.bioessencephil.com
Total capital investment: P5 million
Franchise fee: P1 million
No. of outlets: Company-owned: 20;
Franchisees: 4
Royalty fee: 10%
Marketing/Advertising fee: 5%
Terms of renewal: 5 years
BLUEWATER DAY SPA
Type of business: Service
President: Ms. Mary Simisim
Company name: Bluewater Day Spa, Inc.
Address: Nature Wellness Inc. Unit 2903
Atlanta Center Annapolis St.
Greenhills, San Juan
Telephone: 5484-0205
Fax: 584-0205
E-mail: president@bluewaterdayspa.com;
www.bluewaterdayspa.com
Total capital investment: Minimum P1.6
million
Franchise fee: P295,000
No. of outlets: Company-owned: 2;
Franchisee: 2
Royalty fee: 5% gross revenue
Marketing/Advertising Fee: 2%
Terms of renewal: 5 years
BUGONG ROAST CHICKEN
Type of business: Food
President: Mr. Jerry Erquiza
Company name: Bugong Franchise
Systems
Address: 408 Vega Center, Los Banos,
Laguna
Telephone: (049) 536-6248
Fax: (049) 568-0088
E-mail: bugong@laguna.net
CALIFORNIA NAILS & DAY SPA
Type of business: Service
President: Ms. Leslie Matta
Company name: California Nails
& Day Spa, Inc.

Address: 2nd Flr. Unit 5 Emmanuel
Commercial #22 J. Elizalde St.
BF Homes, Parañaque City
Telephone: 809-7733; 842-1549
Fax: 842-2754
E-mail: calif_nailsdayspa@yahoo.com;
www.cans15.tripod.com
Total capital investment: Between P3
million and P4 million
Franchise fee: P700,000 plus
value added tax
Royalty fee: 7%
Marketing/Advertising fee: 2%
Terms of renewal: 5 years
CARTRIDGE WORLD
Type of Business: Retail
Chief executive officer:
Ms. Jocelyn Decena-Newfield
Company name: Cartridge World Islands
Philippines, Inc.
Address: G/F 110 Alvion Center, Rada St.
Legaspi Village, Makati City
Telephone: 893-7012
Fax: 893-7975
E-mail: babylyn@cartridgeworld.com.ph;
www.cartridgeworld.com.ph
Total capital investment: P 2.387 million
Franchise fee: US$8,000
No. of outlets: Company-owned: 1
Royalty Fee: 6%
Marketing/Advertising Fee: 3%
Terms of renewal: 5 years and over
CELINE
Type of business: Retail
Chief executive officer: Mr. Chan Kok Bin
Company name: Celine Marketing Corp.
Address: 1601 Centerpoint Bldg. Julia
Vargas Ave. Ortigas Center Pasig City
Telephone: 633-7691
Fax: 633-9777
E-mail: franchise@celine.com.ph;
www.celine.com.ph
Total capital investment: Between 3 million
and P5 million
Franchise fee: Between P500,000 and
P2 million
No. of Outlets: Company-owned: 34
Royalty fee: 2%
Marketing/advertising fee: 1%
Terms of renewal: 3-5 years
COMPUTER ASSISTED LEARNING
Type of business: Service
President: Mr. Leo Riingen
Assistant vice president:
Ms. Josephine Manalad
Company name: CAL Holding Phils, Inc.
Address: 2nd Flr. Security Land Bldg. 6727
Ayala Ave. corner Rufino St. Makati City
Telephone: 867-2893
Fax: 810-6096
E-mail: maldover@caleduc.com;
jmanalad@caledu.com;
www.caleducation.com
Total capital investment: P1.5 million
Franchise fee: P750,000
Royalty fee: 10% gross annual income
Marketing/Advertising fee: 2%
Terms of renewal: 5 -10 years
DERMALINE FACIAL & SKIN CARE
CENTER
Type of business: Service
President: Ms. Dina Stalder
Officer-in-Charge: Mr. Alan Herradura
Company name: Dermaline Inc.
Address: KAVI Bldg. Acropolis Libis,
Quezon City
Telephone: 637-6970
Fax: 631-3064
E-mail: a.herradura@staldergroup.com.ph;
www.stalder.com.ph
Total capital investment: P1 million
Franchise fee: P250,000
No. of outlets: Company-owned: 5;
Franchisees: 20
Royalty fee: 5% of gross sales net of value
added tax
Marketing/Advertising fee: 5% of gross
sales net of VAT
Terms of renewal: 5 years
FEET FOR US
Type of business: Service
President: Mr. Christian Oliver Chua
Franchise and operations manager:
Franchise Ideas
Mr. Micah Castillo
Address: Unit 12, Promenda Bldg., 198
Wilson St., San Juan, Metro Manila
Telefax: 725-2058; 725-9031
Total capital investment: Between P1.2
million and P1.5 million
Franchise fee: Between P300,000 and
P500,000
Marketing fee: 2% of gross sales plus VAT
Service fee: 5% of gross sales plus VAT
Terms of renewal: 5 years
FOLDED & HUNG
Type of business: Retail
Director for marketing and operations:
Mr. Alan Vianzon
Company name: Adenip, Inc.
Address: 1225 FH Bldg., Quezon Ave.
Brgy. Sta Ana, Quezon City
Telephone: 374-1001
Fax: 374-1005
E-mail: alan.vianzon@foldedandhung.com;
www.foldedandhung.com
Total capital investment: Between P3
million and P5 million
Franchise fee: P600,000
No. of outlets: company-owned: 27;
Franchisees: 6
Royalty fee: P120,000
Marketing/Advertising fee: 2% gross sales
Terms of renewal: 5 years
FRUIT MAGIC
Type of business: Food
President Dr. Alan Escalona
Franchise manager: Mr. Jose Eduardo
Cunanan
Company name: Fruit Magic Co., Inc.
Address: 27 Rizal Ave. Ext., Grace Park,
Caloocan City
Telephone: 364-6927; 364-3621
Fax: 364-3964
E-mail: contact@fruitmagic.com.ph
FUZION SMOOTHIE CAFÉ
Type of business: Food
Managing director: Ms. Meredith Ngo
Franchise manager: Mr. Rico Orosa
Company name: The Smoothie Co.
Doctors & Business 31
Franchise Ideas
Address: 904 Raffles Corporate Center, F.
Ortigas Ave., Ortigas Commercial Center,
Pasig City
Telephone: 915-6007
Fax: 914-1096
E-mail: meredith.ngo@fuzionphils.com
Total capital investment: Between P1.2
million and P5 million
Franchise fee: Between P300,000 and
P800,000
Royalty fee: Between 3% to 8% of gross
sales
GAL’S BAKERY
Type of business: Food
Chief operating officer: Ms. Elena Orosa
Company name: Baley Ventures Corp.
Address: Multi-Castle Bldg., Marcos
Highway, Antipolo, Rizal
Telefax: 647-1962; 682-5900
E-mail: eorosa2003@yahoo.com
GENETIC COMPUTER INSTITUTE
Type of business: Service
President: Mr. William Tan
Franchising manager:
Ms. Rebecca Ramos
Company name: Genetic Holdings
International Inc.
Address: Unit 305-306 Computer Graphics
Bldg., Aurora Blvd. corner Gilmore,
New Manila, Quezon City
Telephone: 722-0545; 725-4383
Fax: 723-6143
E-mail: quezoncity@genetic.edu.ph;
www.genetic.edu.ph
Total capital investment: Between
P3 million and P5 million
Franchise fee: US$18,000
Royalty fee: None
Marketing/Advertising fee: 1%
Terms of renewal: 1 years
GLORIA JEAN’S COFFEE
Type of business: Food
Director for franchising and business
development: Mr. Ramon Balingit Jr.
Company name: Specialty Beans
Phils, Inc.
32 Doctors & Business
Address: 150 San Vicente Road, Brgy. San
Vicente, San Pedro, Laguna
Telephone: 808-6017 to 51
Fax : 868-1996; 808-6017 loc.239
E-mail: hernandez.ruel@gmail.com;
www.gloriajeanscoffee.com.au
Total capital investment: Between P2.1
million and P4.2 million
Franchise fee: Between P880,000
and P1.4 million
No. of outlets: Company-owned: 3;
Franchisees: 27
Royalty fee: 8% (full store); 8%
(kiosk); 8% (cart)
Marketing/Advertising fee: 3%
Terms of renewal: 10 years
GOODAH!!!
Type of business: Food
President: Mr. Jose Antonio Soler
Company name: Del Sol Foods, Inc.
Address: 369 Dr. Sixto Antonio Ave. Cor.
Sandoval Bridge, Maybunga, Pasig City
Telephone: 901-1978; 640-4237
Fax: 640-4908
E-mail: contact_us@goodah.com.ph
Total capital investment: P1.8 million
Franchise fee: P500,000
No. of outlets: Company-owned: 4;
Franchisees: 26
Royalty fee: 5% of gross sale
Marketing/Advertising fee: 2%
Terms of renewal: 5 years
HOTSHOTS FLAME-GRILLED BURGERS
Type of business: Food
President: Mr. Carlo Alexis de Guzman
Vice President: Mr. Carlito Decena
Company name: Ultimate Burgers, Inc.
Address: Unit 1 Warehouse Dolmar Bldg.,
56 EDSA Ortigas, Mandaluyong City
Telephone: 744 0452; 7260171
Fax: 7256804
E-mail: hotshotsmarketing@yahoo.com;
www.hotshotsburger.com
Total capital investment: Between P4
million and P5 million
Franchise fee: P750,000
No. of outlets: Company-owned: 7;
International: 7 (Indonesia); Franchisees: 8
Royalty fee: 5%
Marketing/Advertising fee: 2%
Terms of renewal: 5 years
JULIE’S BAKESHOP
Type of business: Food
President: Mr. Virgilio Espeleta
National franchise development manager:
Mr. Manny Viado
Company name: Julie’s Franchise Corp.
Address: C. Padilla St., San Nicolas, Cebu
City / 4 Amang Rodriguez and Ortigas Ext
Avenue, Rosario, Pasig City
Telephone: (032) 261-7117 to 19;
6435024; 6437455
Fax: (032) 261-3326; 6435024
E-mail: manny.viado@juliesbakeshop.com.
ph; www.juliesbakeshop.com.ph
Total capital investment: P2 million
Franchise fee: P250,000
No. of outlets: Company-owned: 4;
Franchisees: 487
Royalty fee: 5%
Marketing/Advertising fee: 5%
Terms of renewal: 10 years
KAMERAWORLD
Type of business: Service
Executive vice president:
Mr. Diogenes Gueco
Company name: Kameraworld, Inc.
Address: U814, West Tektite Tower,
Philippine Stock Exchange Center,
Ortigas, Pasig City
Telephone: 6366000 loc. 103
Fax: 636-7546 /47; 892-3899
E-mail: info@kameraworld.com;
www.kameraworld.com.ph
Total capital investment: P2.5 million
Franchise fee: P250,000
No. of outlets: Company-owned: 63
Royalty fee: 2%
Marketing/Advertising fee: 2%
Terms of renewal: 3 years
METROPOLE LAUNDRY & DRY
CLEANING
Type of business: Service

Vice president: Mr. Dominador Asis III
Company name: Metropole Laundry Corp.
Address: 8 Valencia Hills Commercial
Complex, Valencia Hills and N. Domingo
Street, Quezon City
Telephone: 646-7502 / 03
Fax: 646-1244
E-mail: dryclean@ibahn.net
www.metropole.com.ph
MOCHA BLENDS
Type of business: Food
President: Mr. Florante De La Cruz
Company name: Mocha Blends Corp.
Address: 95 Brgy. Lagging Handa,
Tomas Morato, Quezon City
Telephone: 376-2889
Fax: 374-8108
E-mail: info@mochablends.com;
www.mochablends.com
Total capital investment: Between P2.5
million and P4.5 million
Franchise fee: P 750,000
No. of outlets: Company-owned: 2;
International: 2 (Jeddah, Indonesia);
Franchisees: 34
Royalty fee: 5% of gross sales
Marketing/Advertising fee: 2% of
gross sales
Terms of renewal: 5 years
MONGOLIAN QUICK STOP
Type of business: Food
President/chief executive officer:
Ms. Mercedes Gil
Chief operating officer:
Mr. Jerome Lim
Company name: Mongolian Quick
Stop, Inc.
Address: 176 Aquirre Ave., BF Homes
Parañaque City
Telephone: 826-3634
Fax: 826-3634
E-mail: mongolianquickstop@yahoo.com
Total capital investment: P3.5 million
Franchise fee: P750,000
No. of outlets: Company-owned: 6;
Franchisees: 9
Royalty fee: 5%
Marketing/Advertising fee: 2%
Terms of renewal: 5 years
MOTECH
Type of business: Service
Franchise Manager: Ms. Emile Canlas
Company name: Motech Automotive
Education Center, Inc.
Address: 216 McArthur Highway,
Pulongbulo, Angeles City, Pampanga
Telephone: (045) 888-4703
Fax: (045) 887-4794
E-mail: motech_aeci@yahoo.com;
www.motech.com.ph
MR. QUICKIE
Type of business: Service
Managing director: Mr. Emilano
Caruncho IV
Company name: Mr. Quickie Corp.
Address: Banner St. corner Danny Floro
St., Bagong Ilog, Pasig City
Telephone: 671-9542; 910-3858
Fax: 671-9541
E-mail: management@mrquickie.com;
www.m.quickie.com
Total capital investment: P1 million
No. of outlets: Company-owned: 35;
Franchisees: 159
Franchise fee: P200,000
Royalty fee: 4% of the gross sales
Marketing/Advertising fee: 3% of the
gross sales
Terms of renewal: 5 years
NETOPIA INTERNET CAFÉ
Type of business: Service
President: Mr. George Tan
Company name: Digital Paradise, Inc.
Address: Unit 603 Centerpoint Bldg.,
Garnet Rd. corner Julia Vargas,
Ortigas Center, Pasig City
Telephone: 638-6742
Fax: 633-4181; 634-0618
E-mail: info@netopia.com.ph;
www.netopia.com.ph
Total capital investment: Between P1.8
million and P2.6 million
Franchise fee: Between P150,000 and
Franchise Ideas
P225,000
No. of outlets: Company-owned: 97;
Franchisees: 85
Royalty fee: 5%
Marketing/Advertising fee: 1%
Terms of renewal: 3 years
NET SURFERS CLUB
Type of business: Service
President: Mr. Emer Rojas
Company name: Net Surfers Club, Inc.
Address: U5, Parian Center,
Commonwealth Avenue, Quezon City
Telephone: 454-2222; 951-5555;
951-4444; 931-9393
Fax: 951-1888
E-mail: franchise@nsclub.net;
www.nsclub.net
NEW HORIZONS COMPUTER
LEARNING CENTER
Type of business: Service
President: Mr. Michael Bangayan
Director for Sales: Ms. Josephine Co
Company name: New Port Learning
Center, Inc.
Address: 10th Flr. Robinsons Summit
Center, 6783 Ayala Ave. Makati City
Telephone: 840-5000
Fax: 840-5000 loc. 115
E-mail: chris.filoteo@newhorizons.com.ph;
www.newhorizons.com.ph
Total capital investment: Between P3
million and P4 million
No. of outlets: Company-owned: 3
Royalty Fee: 10% gross
Marketing/Advertising fee:10%
Terms of renewal: 10 years
PLAINS AND PRINTS
Type of business: Retail
President: Mr. Ericson Farillas
Franchise and business development
manager: Ms. Pauline Gomez
Company name: Raffco International
Treading Corp.
Address: 21 Mapalad Street, San
Francisco Del Monte, Quezon City
Telephone: 372-6190 to 92 loc. 117
Doctors & Business 33
Franchise Ideas
Fax: 372-6189
E-mail: franchise@plainsandprints.com
www.plainsandprints.com.ph
Total capital investment: Between P2
million and P3.3 million
Franchise fee: P600,000
No. of outlets: Company-owned: 25;
Franchisees: 16
Royalty fee: None
Marketing/Advertising fee: 2%
PR GAZ HAUS
Type of business: Service
Chief operating officer: Mr. Siu Ping Par
Company name: PR Gaz
Franchising Corp.
Address: 16th F Orient Square Bldg.
Emerald Ave. Ortigas Center Pasig City
Telephone: 687-1767/ 64
Fax: 687-0617
E-mail: franchise@prgazhaus.com;
www.prgazhaus.com
Total capital investment: Between
P980,000 and P1 million
No. of outlets: Company-owned: 50;
Franchisees: 34
Franchise fee: P150,000 plus
value added tax
Royalty fee: None
Marketing/Advertising fee: 1%
Terms of renewal: 5 years
REYES HAIR CUTTERS
Type of business: Service
President: Mr. Celestino Reyes
Company name: Reyes Hair
International Corp.
Address: 2nd Flr., Ammiraglio Bldg., Tomas
Morato corner E. Rodriguez, Quezon City
Telephone: 725-0584
Fax: 727-9606
E-mail: reyeshaircutters@yahoo.com;
www.reyeshaircutters.com
Total capital investment: Between P1.4
million and P2.4 million
No. of outlets: Company-owned: 19;
Franchisees: 247
Franchise fee: P350,000
Royalty fee: 5% monthly gross sales
34 Doctors & Business
Marketing/Advertising fee: 5% monthly
gross sales
Terms of renewal: 6 months to 2 years
ROTO ROOTER
Type of business: Service
President: Mr. Victor Puyat
Company name: Roto Rooter Phils Drain
Cleaning and Plumbing Services
Address: 7F Makati Executive Center.
L.P. Leviste corner Rufino Streets,
Salcedo Village, Makati City
Telephone: 812-1000
Fax: 812-9009
E-mail: rotophil@info.com.ph
www.rotophil.com
7 - ELEVEN
Type of business: Retail
President: Mr. Vicente T. Paterno
Business development division manager:
Mr. Francis Medina
Company name: Philippine Seven Corp.
Address: 7F & 11F, Columbia Towers,
Greenhills, San Juan, M.M.
Telephone: 705-5200 to 20
Fax: 705-5229
E-mail: franchising@7-eleven.com.ph;
www.7-eleven.com.ph
Total capital investment: Minimum of
P3 million
Franchise fee: P500,000 plus
value added tax
No. of outlets: Company-owned: 153;
Franchisees : 191
Royalty fee: 34% of gross profit
Marketing/Advertising fee: 3%
Terms of renewal: 5 years
YSTILO
Type of business: Service
President: Mr. Federico Moreno
Company name: Ystilo Salon Corp..
Address: Unit B, Gil Preciosa Bldg. 2,
No. 75 Timog Ave. South Triangle, Q.C.
Telephone: 927-7532; 927-7508
Fax: 927-7533
E-mail: ystilo01@yahoo.com;
www.ystilosalon.com
Total capital investment: P2.7 million
No. of outlets: Company-owned: 12;
Franchisee: 20
Franchise fee: P 564,000
Royalty fee: 5% gross sales (1st year ); 7%
gross sales (2nd year); 10% gross sales
(3rd year)
Marketing/Advertising fee: P90,000/ month
Terms of renewal: 3 years
More than P5 million
Franchises
ARCE DAIRY
Type of business: Food
President: Ms. Arlene Arce
Company name: Arce Dairy Ice Cream
Address: 102 Don Ramon Arce St.
Selecta Compound,
A. Bonifacio Ave.,
Balintawak, Quezon City
Telephone: 364-2650; 3642790
361-5675; 366-1882/ 83
Fax: 366-1883/ 364-5695
E-mail: arcedairy@pacific.net.ph
ARCON FRANCHISE SYSTEMS
Type of Business: Service
President: Mr. James P. Concepcion
Company name: Arcon Franchise Systems
Address: Sunnett Tower, Makati corner
Durban Street, Makati City
Telephone: 811-0033
Fax: 811-0146
E-mail: alexjavier@arconcentral.com;
www.arconcentral.com
ARISTOCRAT RESTAURANT
Type of business: Food
President and chief operating officer:
Mr. Raymund Reyes
Company name: Roxas Food
Ventures, Inc.
Address: 432 San Andres St.,
Malate, Manila
Telephone: 526-0497; 786-2664
Fax: 526-4023
E-mail: mktg@aristocrat.com.ph
www.aristocrat.com.ph

BARE ESSENTIALS
Type of business: Service
President and general manager:
Ms. Marie Anne Topacio
Company name: Bare Essentials Corp..
Address: Space 9, 2nd Flr. Atrium Bldg.
Araneta Center, Cubao, Quezon City
Telephone: 995-0848; 931-6641
Fax: 995-0848
E-mail: bareessentials_alimall@
yahoo.com; www.bareessentials.com.ph
BENCH
Type of business: Retail
Chairman: Mr. Ben Chan
Franchise Export Manager:
Mr. Bryan Oliver Lao
Company name: Suyen Corp.
Address: 2214 Tolentino St., Pasay City
Telephone: 887-2311 loc. 120
Fax: 844-8150
E-mail: emillie.burias@benchtm.com
www.benchtm.com
BIGG’S DINER
Type of business: Food
Vice president for marketing:
Mr. Carlo Buenaflor
Address: Zone 2 Fausto Drive
San Felipe, Naga City
Telephone / Fax: (045) 250-8091
E-mail: cbuenaflor@pacific.net.ph
BLUE BOZ WATER REFILLING STATION
Type of business: Service
President: Ms. Jasmin Pineda
Company name: Blue Boz Water
Treatment Tech
Address: Unit 107 Parc Royale Condo,
Jade St., Ortigas, Pasig City
Telephone: 634-1207; 634-8542;
632-0525
Fax: 687-0895
BOBSON
Type of business: Retail
President and chief executive officer:
Mr. Victor Tan
Company name: Crolific Garments
Address: 601 A. Bonifacio Ave.
Balintawak, Quezon City
Telephone: 364-2227 loc.100
Fax: 365-6279
E-mail: victor_tan@yahoo.com.ph;
www.crolificgarments.com.ph
BREAD CONNECTION
Type of business: Food
President and general manager:
Mr. Angelito Trias
Address: 298 M.H. Del Pilar Street,
Palatiw Kanan, Pasig City
Telephone: 642-6008
Fax: 642-6008
E-mail: alt_be@yahoo.com
BROTHER’S BURGER
Type of business: Food
President: Ms. Marinel Jose
Vice president for allied business
development and marketing:
Mr. Martin Katigbak Jose
Company name: Brother’s Burger, Inc.
Address: Units 2 & 3 V & O Bldg.,
Don Bosco St. Pasong Tamo,
Makati City
Telephone: 8150736; 8121514
Fax: 893-2775; 8150732
E-mail: franchise_brothersburger@yahoo.
com; www.brothersburger.com.ph
CABALEN
Type of business: Food
Business development manager:
Mr. Ian Tiongson
Address: JP Rizal and Aguado,
Marilag, Project 4, Quezon City
Telephone: 913-5528
Fax: 911-9884
E-mail: it06@yahoo.com
www.manganrestaurant.com
CAFÉ VIA MARE & OYSTER BAR
Type of business: Food
Chief executive officer: Ms. Glenda Barreto
Address: 7503 Bagtikan St. San Antonio
Village, Makati City
Telephone: 897-3800
Franchise Ideas
Fax: 898-2966
E-mail: franchise@viamare.com
www.viamare.com.ph
CALTEX EXPRESS LUBE CENTER
Type of business: Service
General manager: Mr. Shibly Latiff
Address: 6th floor, 6750 Ayala Ave.,
Makati City
Telephone: 8411000 loc. 1623; 841-1687
Fax: 8411021 ; 841-1761
E-mail: balatorre@chevrontexaco.com;
www.caltex.com
CENTER FOR INTERNATIONAL
EDUCATION
Type of business: Service
President and chief executive officer:
Professor Nelia Cruz- Sarcol
Company name: Center for International
Education Global Colleges, Inc.
Address: 165 Pres. Magsaysay St.,
Kasambayan, Cebu
Telephone: (032) 233-2500 loc 109
Fax: (032) 233-2522
E-mail: franchise@cie.edu
www.cie.edu
CHOWKING FOODS CORP.
Type of business: Food
President: Mr. Erwin Elichicon
Company name: Fresh N Famous
Foods, Inc.
Address: 33th Flr. Jollibee Plaza, F. Ortigas
Avenue, Ortigas Center, Pasig City
Telephone: 634-1111
Fax: 634-1182
E-mail: franchise@chowking.com;
www.chowking.com
Total capital investment: Between P12
million and P15 million
Franchise fee: P1 million
No. of outlets: Company-owned: 132;
Franchisees: 248
Royalty fee: 6%
Marketing/Advertising fee: 4%
Terms of renewal: 10 years
Doctors & Business 35
Franchise Ideas
CONSOLIDATED BUILDING
MAINTENANCE
Type of business: Service
President: Mr. Salvador Ortañez
Address: Jovan Condominium, Shaw
Boulevard, Mandaluyong City
Telephone: 533-3425; 5332117
Fax: 5331954
E-mail: cbmserve@cbm.com.ph;
www.cbm.com.ph
COMPREHENSIVE BUSINESS
ADVISORS INC.
Type of business: Service
Vice president for finance: Ms. Filomena
Abalado
Address: 10th Flr. Rufino Pacific Tower,
Ayala Ave. Makati City
Telephone: 813-6449; 811-0110
Fax: 811-0023; 813-6352
E-mail: fiducial@arconcentral.com;
www.arconcentral.com
COSMOPOLITAN FUNERAL HOMES
INC.
Type of business: Service
Chairman: Mr. Renato Dychangco Jr.
Address: 15-18 Junguerra St., Cebu City
Telephone: (032) 256-0491 to 94;
(032) 231-0721
Fax: (032) 255-2652; 231-4550
E-mail: keropleen@yahoo.com,
dirfranchise@consmofuneral.com
CRAVINGS FOOD SERVICES
Type of business: Food
General manager:
Ms. Marinela Trinidad
Address: 287 Katipunan Avenue, Loyola
Heights, Quezon City
Telephone: 426-4828/ 29
Fax: 426-6684 loc. 130
E-mail: franchise@cravingsgroup.com
www.cravingsgroup.com
DENCIO’S BAR AND GRILL
Type of business: Food
Chairman: Mr. Martin Lorenzo
Director for corporate planning:
36 Doctors & Business
Ms. Cecile Macaalay
Company name: Dencio’s Food Corp.
Address: 2nd flr. Lapanday Center, 2263
Pasong Tamo Ext., Makati City
Telephone: 894-2000
Fax: 894-3385
E-mail: dfsi@dencios.biz;
www.dencios.biz
DIPPIN’ DOTS
Type of business: Food
General Manager: Ms. Lucy Co
Company name: Oyster Marketing Corp.
Address: Unit 10, Valencia Hills, Valencia
Cor. N. Domingo Street, Quezon City
Telephone: 410-9585
Fax: 726-9215
E-mail: dippindots@mindgate.net
www.dippindots.com
FREEWAY
Type of business: Retail
Chief executive officer:
Ms. Sheree Goduaco
Company name: Elle Garments
International Inc.
Address: 996 Pablo Ocampo Sr.,
St. Malate, Manila
Telephone: 525-0862
Fax: 521-3671
E-mail: shiela@elitegarments.com;
www.elitegarments.com.ph
Total capital investment: Between P6
million and P10 million
Franchise fee: P800,000
No. of outlets: Company-owned: 24;
Franchisee: 6
Royalty fee: 5%
Marketing/Advertising fee: 5%
Terms of renewal: 10 years
FRESSAN BAKERY
Type of business: Food
President: Mr. Jon Cashel Chua
Company name: Pine Forest Foods, Inc.
Address: Unit 6, Arcadia Square, J.P. Rizal
St., Guadalupe, Makati City
Telephone: 682-1418/ 632-9575
Fax: 645-1527
E-mail: fressanbakery@myrealbox.com;
edzelv@yahoo.com
GENERAL NUTRITION CENTER
Type of business: Retail
Chairman: Mr. Jose Vito Borromeo
Address: 2nd flr. Belson House cor.
Connecticut EDSA, Mandaluyong City
Telephone: 721-2667; 7247140
Fax: 7215940
E-mail: jsa@skyinet.net;
www.shop.gnc.com
GOLDILOCKS BAKESHOP
Type of business: Food
President: Mr. Freddie Go Sr.
Franchise manager: Ms. Lin Deres
Company name: Goldilocks Bakeshop, Inc.
Address: 439 Shaw Boulevard,
Mandaluyong City
Telephone: 535-4087
Fax: 535-4369
E-mail: lin.deres@goldilocks.com.ph;
www.goldilocks.com.ph
Total capital investment: Between P6
million and P13 million
Franchise fee: Between P800,000 and
P1.2 million
No. of outlets: Company-owned: 113;
International: 18; Franchisees: 115
Royalty fee: 4% for bakeshop;
8% for food shop
Marketing/Advertising fee: 2%
GREAT IMAGE
Type of business: Service
President: Mr. Robert Palomo
Address: Unit 709 AIC Gold Tower,
Ortigas Compound, Pasig City
Telephone: 633-1699
Fax: 683-0870
E-mail: rlpalomo@yahoo.com;
vpbelgar@yahoo.com;
www.greatimage.com;
GREENWICH PIZZA
Type of business: Food
President: Mr. Ariel Fermin
Company name: Fresh N Famous

Foods, Inc.
Address: 34th Flr Jollibee Plaza, F. Ortigas
Avenue, Ortigas Center, Pasig City
Telephone: 634-1111 loc. 4610
Fax: 687-6981
E-mail: franchising@greenwich.com.ph;
www.greenwich.com.ph
Total capital investment: Between P6
million and P10 million
Franchise fee: P800,000
No. of outlets: Company-owned: 132;
Franchisees: 111
Royalty fee: 5%
Marketing/Advertising fee: 5%
Terms of renewal: 10 years
GYMBOREE PLAY & MUSIC
Type of business: Service
Managing director: Ms. Ann Tan
Company name: Gymboree, Inc.
Address: 17 Mc Kinley Road, Forbes Park,
Makati City
Telephone: 635-6240; 817-0951 loc. 251
Fax: 910-0450
E-mail: franchising@gymboree-ph.com
www.gymboree.ph.com
Total capital investment: P10 million
Franchise fee: P250,000
No. of outlets: Company-owned: 2;
Franchisees: 3
Royalty fee: 6% of gross sales, net of VAT
Marketing/Advertising fee: 5% of gross
sales, net of VAT
Terms of renewal: 10 years
HAP CHAN TEA HOUSE
Type of business: Food
General manager: Mr. Kwok Man Wah
Company name: Hap Chan Trading &
Management Corp.
Address: 937 EDSA South Triangle QC
Telephone: 411-6186 ; 410-4009
Fax: 412-3080
E-mail: franchise@hapchan.com;
www.hapchan.com
ICCT COMPUTER EDUCATION
Type of business: Service
President/chief executive officer:
Ms. Vivien Catherine Go
Company name: ICCT Computer
Education System, Inc.
Address: V.V. Soliven Ave.II, V.V.
Soliven Center, Cainta, Rizal
Telephone: 249-1049 to 50; 249-4228
Fax: 249-1049; 722-4605
E-mail: info@icct.edu.ph;
www.icct.edu.ph
INFORMATICS
Type of business: Service
President and chief executive order:
Mr. Leonardo Riingen
Marketing manager: Ms. Katrina Monsod
Company name: Informatics Holdings Phils
Address: Unit 12, I-cite Bldg., Libis, Q.C.
Telephone: 667-3096
E-mail: info@informatics.com.ph;
www.informatic.edu.ph
Total capital investment: Between 8 million
and P10 million
No. of outlets: Company-owned: 10;
Franchisees: 27
Franchise fee: P3.4 million
Royalty fee: 13%
Marketing/Advertising fee: 3%
Terms of renewal: 10 years
ISLANDS SOUVENIRS
Type of business: Retail
President: Mr. Jay Aldeguer
Franchise manager: Ms. Cristine Costelo
Company name: Islands Souvenirs Inc.
Address: Nasipit, Talamban, Cebu City
Telephone: (032) 232-1457 ; 346-7104;
(02) 995-7856
Fax: (032) 346-0317; 346-3489
E-mail: jaldeguer@skyinet.net;
franchise@islandsouvenirs.com;
www.islandsouvenirs.com
JOLLIBEE
Type of business: Food
President: Mr. Ernesto Tanmantiong
Company name: Jollibee Foods Corp.
Address: 9th Flr. Jollibee Plaza, F. Ortigas
Avenue, Ortigas Center, Pasig City
Telephone: 634-1111 loc. 7437; 634-1162;
Franchise Ideas
688-7208
Fax: 688-7125
E-mail: malu.santos@jollibee.com.ph;
www.jollibee.com.ph
Total capital investment: Between P15 and
P30 million
Franchise fee: P1.2 million, exclusive value
added tax
No. of outlets: Company-owned: 301;
International: 23; Franchisees: 327
Royalty fee: 9% of total gross sales
Marketing/Advertising fee: 9% of total
gross sales
Terms of renewal: no assurance of renewal
of new license upon expiration
KAMISETA
Type of business: Retail
President: Mr. Gonzalo Roque III
Franchise manager: Ms. Irene Dimson
Company name: Shoppes Manila, Inc.
Address: Style Bldg., 1 Rolling Lane,
Filinvest Rd., Batasan Hills, Quezon City
Telephone: 931-9459
Fax: 931-9751
E-mail: www.kamista.com; kamisetagirl@
kamiseta.com
KENNY ROGERS ROASTERS
Type of business: Food
President: Ms. Bernadine Siy
Company name: Roasters Phils Inc.
Address: 3F 6797 Ayala Ave. corner
Herrera St., Salcedo Village Makati
Telephone: 893-6067; 893-102; 893-5958
Fax: 893-5031
E-mail: bernadinesiy@roasters.com.ph;
www.roasters.com
KENTUCKY FRIED CHICKEN
Type of business: Food
President: Mr. Jesus Montemayor
Address: 80+F28-82 Roces Avenue,
Diliman, Quezon City
Telephone: 373-1234 loc. 3302 / 3002
Fax: 373-9160
E-mail: mdtorres@ramcar.com
www.kfc.ph
Doctors & Business 37
Franchise Ideas
KRISPY KREMES
Type of business: Food
Chairman: Mr. Jimmy Fuentebella
Company name: The Real American
Doughnut Co., Inc.
Address: 4th Flr. Salustiana D. Ty Tower,
Paseo de Roxas corner Perea St.
Legaspi Village, Makati City
Telephone: 840-3694; 812-6596
Fax: 816-5961; 892-86
E-mail: www.krispykreme.com.ph
LOYOLA MEMORIAL PLANS
Type of business: Service
President: Ms. Jesusa Concepcion
Address: 849 Loyola Building,
A. Arnaiz Avenue, Makati City
Telephone: 892-6061
Fax: 817-6574
E-mail: evillanueva@loyolaplans.com
www.loyolaplans.com
MALDITA
Type of business: Retail
General manager: Mr. Enrique Caeg
Company name: Maldita Marketing Corp.
Address: 7 South AA Brgy. Paligsahan
Quezon City
Telephone: 371-1432
Fax: 371-1443
E-mail: malditasore@yahoo.com;
www.malditastore.com
MANELS
Type of business: Retail
Chairman: Mr. Manuel Siggaoat
Company name: Manels
Leathergoods Corp.
Address: Unit 2505 Jollibee Plaza Bldg.,
F. Ortigas Ave., Ortigas, Pasig City
Telephone: 637-1715
Fax: 638-7955
E-mail: mmsiggaoat@manels.com;
www.manels.com.ph
MAX’S RESTAURANT
Type of business: Food
President: Mr. Robert Trota
Company name: Max’s Franchising, Inc.
38 Doctors & Business
Address: 3/F Max’s Baclaran Bldg., Roxas
Blvd, Parañaque City
Telephone: 832-1991
Fax: 852-3442
E-mail: rmallari@maxschicken.com.ph;
www.maxschicken.com.ph
Total capital investment: Minimum of
P9 million
Franchise fee: P2 million
No. of outlets: Company-owned: 63;
Franchisee: 49
Royalty fee: 5% of gross sales
Marketing/Advertising fee: 3.5% of
gross sales
Terms of renewal: 10 years
MCDONALDS
Type of business: Food
President: Mr. Kenneth Yang
Director for real estate, asset management
& franchising: Mr. Luke Tan
Company name: Golden Arches
Development Corp.
Address: 17/F, Citibank Center Bldg.,
8741 Paseo de Roxas, Makati City
Telephone: 815-4708/ 867-2937
Fax: 815-4543
E-mail: luketan@ph.mcd.com;
www.mcd.com.ph
MICROTEL INN
Type of business: Service
President: Mr. Jose Mari Del Rosario
Address: 2/F, PHINMA Bldg., #166
Salcedo St., Legaspi Village, Makati City
Telephone: 671-7171
Fax: 671-7172
E-mail: franchise@microtelphilippines.com;
www.microtelphilippines.com
Total capital investment: P1.65 million per
room (hotel investment excluding land)
Franchise fee: $1,000 per room
Royalty fee: 4% gross room revenues
Marketing/Advertising fee: 2% gross
room revenues
Terms of renewal: 20+10 years
MONTEREY FOODS
Type of business: Food
Franchising manager: Mr. Jose
Alberto Arellano
Company name: Monterey Foods Corp.
Address: 17F JMT Corporate
Condominium, ADB Avenue,
Ortigas, Pasig City
Telephone: 635-2484
Fax: 914-8750; 637-8172
E-mail: cdelapaz@smg.sanmiguel.com.
ph.; pperez@smg.sanmiguel.com.ph;
www.sanmiguel.com.ph
OLIVER’S SUPER SANDWICHES
Type of business: Food
General manager: Ms. Ruth Velasco Co
Company name: Oliver’s Super
Sandwiches Phils.
Address: 2401 B, West Tower, Phil.
Stock Exchange Center,
Exchange Road,
Ortigas, Pasig City
Telephone: 631-0077; 631-0109
Fax: 631-0074
E-mail: www.olivers.com.ph
PADI’S POINT
Type of business: Food
President: Mr. Vince Padilla
Company name: Padi’s Point, Inc.
Address: 291 P. Guevarra Avenue,
San Juan, Metro Manila
Telephone: 727-5143
Fax: 724-6447
E-mail: vincepadilla@padispoint.com;
www.padispoint.com
Total capital investment: Between P6
million and P12 million
Franchise fee: P1 million
No. of outlets: Company-owned: 8;
Franchisees: 7
Royalty fee: 5%
Marketing/Advertising fee: 1.5%
Terms of renewal: 5 years
PANCAKE HOUSE
Type of business: Food
Chairman: Mr. Martin Lorenzo
Director for corporate planning:
Ms. Cecile Macaalay

Company name: Pancake House, Inc.
Address: 2F, La Panday Center, 2263
Pasong Tamo Ext. Makati City
Telephone: 894-2000
Fax: 894-3385
E-mail: phi@pancakehouse.biz;
www.pancakehouse.biz
PENSHOPPE
Type of business: Retail
President: Mr. Bernie Liu
Company name: Golden ABC
Address: 62 Old Samson Rd.,
Balintawak, Quezon City
Telephone: 366-7151 to 58
Fax: 361-4111
E-mail: dino.sagun@goldenabc.com;
www.goldenabc.com
PIER ONE BAR
Type of business: Food
President: Mr. Francis Juan
Company name: Pier One Bar &
Grill Holding Corp.
Address: 14TH Flr. Unit 2 Centerpoint
Bldg., Ortigas Center, Pasig City
Telephone: 636-5175
Fax: 809-3374
E-mail: franchise@pierone.com.ph;
www.pierone.com.ph
Total capital investment: Between P8
million and P17 million
Franchise fee: Between P1 million and
P2 million
No. of outlets: Company-owned: 1;
Franchisees: 7
Royalty fee: 5% of gross sales
Marketing/Advertising fee: 3%
Terms of renewal: 5-10 years
PIZZA HUT
Type of business: Food
President: Mr. Jorge Araneta
Chief operating officer: Mr. Lars Peterson
Company name: Progressive
Development Corp.
Address: 15/F, Aurora Tower, Araneta
Center, Cubao, Quezon City
Telephone: 912-1921; 912-2157
Fax: 911-0337
E-mail: tejerero@pizzahut.com.ph;
mktg@pizzahut.com.ph;
www.pizzahut.com.ph
RAI RAI KEN
Type of business: Food
Executive vice president: Mr. Herbert
Joey Garcia
Company name: Rai Rai Ken Foods Corp.
Address: 1942 Donada St. cor. San Juan
Pasay City
Telephone: 536-5002
Fax: 522-9463
E-mail: herbertjoey@yahoo.com
RED RIBBON BAKESHOP
Type of business: Food
President: Mr. Joseph Tanbuntiong
Company name: Red Ribbon
Bakeshop, Inc.
Address: 3F Missouri Bldg., Missouri
corner Connecticut Street, Greenhills,
San Juan, Metro Manila
Telephone: 724-3681 loc. 302 & 306
Fax: 724-4892
E-mail: mayette.vargas@;
redribbonbakeshop.com.ph;
www.redribbonbakeshop.com
Total capital investment: Between P6
million and P8 million
Franchise fee: P1 million
No. of outlets: Company-owned: 120;
Franchisees: 81
Royalty fee: 5%
Marketing/Advertising fee: 5%
Terms of renewal: 10 years
SARI SARI
Type of business: Retail
President: Ms. Ma. Nimia Ocampo II
Company name: Sari Sari Group
of Companies
Address: 2nd Level Bldg. B SM Megamall,
Mandaluyong City
Telephone: 687-0972
Fax: 687-0972
E-mail: marni@sari-sari.com
www.sari-sari.com
Franchise Ideas
SEAOIL
Type of business: Service
Chairman: Mr. Francis Yu
President: Francis Glenn Yu
Company name: Seaoil Philippines, Inc.
Address: 22nd Flr. Taipan Place F.
Ortigas Ave., Pasig City
Telephone: 397-1010 loc. 823
Fax: 397-1011
E-mail: rey.jimenez@seaoil.com.ph;
www.seaoil.com
Total capital investment: Between P6
million and P10 million
Franchise fee: P350,000 plus value
added tax
No. of outlets: Company-owned: 4;
Franchisee: 110
Royalty fee: None
Marketing/Advertising Fee: None
Terms of renewal: 10 years
SHAKEY’S
Type of business: Food
Chairman: Mr. Leo Prieto Jr.
Franchise and business development
director: Ms. Annie Manzano
Company name: Shakey’s International
Family Food Services
Address: 2/F, Sample Shop Building AFP-
RSBS Industrial Park, Km 12 East Service
Road, C5 South Superhighway Taguig,
Metro Manila
Telephone: 839-0155; 839-0011 to 20
Fax: 839-0162
E-mail: asmanzano@shakeyspizza.ph;
www.shakeyspizza.ph
Total capital investment: Between P7
million and P8 million
Franchise fee: P1.5 million
No. of outlets: Company-owned: 116;
International: 22; Franchisees: 25
Royalty fee: 6.72%
Marketing/Advertising fee: 5.5%
Terms of renewal: 10 years
SHELL
Type of business: Service
President: Mr. Ed Chua
Company name: Pilipinas Shell
Doctors & Business 39
Franchise Ideas
Petroleum Corp. General manager: Mr. Antonio Apostol Address: 33B Scout Borromeo South
Address: 156 Valero Street, Salcedo Company name: TCE Franchise Corp. Triangle, Quezon City
Village, Makati City Address: 112 B. N. Domingo Ave. Brgy. Telephone: 371-8373; 410-1111
Telephone: 814-6389 Horse Shoe Cubao, Quezon City Fax: 374-6866
Fax: 816-6113 Telephone / Fax: 726-7679 E-mail: rv_unica_hija@yahoo.com
E-mail: jojo.conde@shell.com E-mail: machrisgaetos@yahoo.com
www.shell.com UNIOIL
TOBY’S SPORTS AND HOBBIES Type of business: Service
SYSTEMS TECHNOLOGY INSTITUTE Type of business: Retail Franchise manager: Mr. Kenneth
Type of business: Service Chairman: Mr. Roberto Claudio Pundanera
President: Mr. Monico Jacob Company name: TSF Systems Company name: Unioil Petroleum
Company name: Systems Technology Address: 143 Pasig Boulevard, Pasig City Phils, Inc.
Institute, Inc. Telephone: 671-9765 to 69 AddressS: 2701B, West Tower, PSE
Address: 6/F, Phil First Bldg., 6764 Ayala Fax: 6711566; 6712113 Center, Exchange Road, Ortigas,
Avenue, Makati City E-mail: info@tsf.ph; Pasig City
Telephone: 887-8447 www.tobys.com Telephone: 631-2065
Fax: 891-3734 E-mail: unioilretail@overseas.ph
E-mail: rnemsingh@stihq.net; TOKYO TOKYO www.unioil.com.ph
mdelrosario@stihq.net; Type of business: Food
www.stihq.net Managing director: Mr. John Amante VIVA VIDEO CITY
Company name: Tokyo Tokyo Type of business: Service
TERIYAKI BOY Japanese Restaurant President: Ms.Ms. Teresita Cruz
Type of business: Food Address: 5 Pioneer St. Company name: Viva Video City, Inc.
Chairman: Mr. Martin Lorenzo Mandaluyong City Address: 6 & 7 Flrs., East Tower, PSE
Director for corporate planning: Telephone: 746-2429 Center, Exchange Road, Ortigas,
Ms. Cecile Macaalay Fax: 746-2141 Pasig City
Company name: Teriyaki Boy Group Inc. E-mail: tokyotokyocircle@gmail.com www. Telephone: 6879232; 687-2791
Address: 2nd Flr. La Panday Center, 2263 tokyotokyo.com Fax: 6879112
Pasong Tamo Ext. Makati City Total capital investment: Between P8 E-mail: jsingian@videocity.com.ph;
Telephone: 894-2000; 812-0651 loc: 172 million and P10 million www.videocity.com.ph
or 173 Franchise fee: P1.1 million
Fax: 894-3385; 894-3385 No. of outlets: Company-owned: 54; WELL-FAMILY MIDWIFE CLINIC
E-mail: myrareyes@pancakehouse.biz; Franchisees: 25 Type of business: Service
www.pancakehouse.biz Royalty fee: 1% President: Dr. Warlito Vicente
Marketing/Advertising fee: 3% Address: 402 Trans Orient Maritine Bldg.
T.G.I. FRIDAY’S Terms of renewal: 6 years Timog ave. Quezon City
Type of business: Food Telephone: 426-7947
President and chief executive officer: TONG YANG Fax: 426-7950
Mr. William Stelton Type of business: Food E-mail: wpfi_headoffice@yahoo.com;
Company name: T.G.I. Friday’s Inc. Chairman: Mr. Roberto Garcia www.wellfamily.com.ph
Address: 2176 Primo Rivera St. Address: 349 Oppen Bldg. Sen. Gil Puyat
La Paz, Makati City Ave. Makati City WENDY’S HAMBURGER
Telephone: 899-4543; 895-7277 Telephone/Fax: 895-5128 Type of business: Food
Fax: 895-6934 President: Ms. Elizabeth Orbeta
E-mail: abba@bistro.com.ph; UNICA HIJA Company name: Wendy’s Phils Corp.
www.fridays.com.ph Type of business: Retail Telephone: 809-5506 loc. 411
President: Mr. Rolando Villon Fax: 807-2394
THE COFFEE EXPERIENCE Company name: RV Franchise E-mail: wenphil1@hamburgers.ph;
Type of business: Food Ventures, Inc. www.wenphil.com

40 Doctors & Business