Chairman's Corner: Welcoming 2024 - A Year of Empowerment and Growth for Filflag

written by: Chairman Marti Doctolero

Hello everyone, and a joyful welcome to the year 2024! As we embrace this new beginning, we at Filflag are filled with hope and
gratitude. We believe that with the blessings and guidance of the Almighty Father, we can make this year an incredible journey
of progress and success. Our aspirations for 2024 are boundless. We envision a year where our organization forges stronger
partnerships and seizes new opportunities that will amplify our mission. We're excited about the potential projects on the
horizon, each designed to further our commitment to empowering the Filipino community.
In our relentless pursuit of providing value, we are thrilled to announce that Filflag will be launching a regular Livestream series.
This series will feature an esteemed panel of professionals, including:
- Experienced Lawyers to provide legal knowledge and support.
- Medical Specialists in Psychiatry to discuss and destigmatize mental health issues.
- Life Coaches to inspire and guide individuals in their personal and professional endeavors.
- Financial Coaches to educate on the essentials of financial independence and literacy.

At the heart of Filflag is our unwavering dedication to educate and empower. We understand the critical importance of financial
literacy as a cornerstone of independence. Our aim is to provide the tools and knowledge necessary for our community to make
informed financial decisions and to build a secure future. Equally, we recognize the significance of mental health in shaping a
balanced and fulfilling life. Our initiatives for 2024 will continue to spotlight mental health awareness, providing resources and
support to those in need. As we look to the future, we invite you to join us in making 2024 a landmark year. Whether you're
seeking personal growth or looking to contribute to the greater good, Filflag is your partner in this journey. Stay tuned for more
updates, and together, let's turn aspirations into achievements.

In closing, we extend our heartfelt thanks for your continued support. Your belief in our cause fuels our passion and drives us to
do more. Here's to a year of prosperity, health, and happiness. Let's make 2024 a year to remember! In our next update, we'll
delve deeper into the exciting partnerships and opportunities that await us. We will also share more details about our upcoming
Livestream series, including how you can participate and benefit from these sessions. Stay connected with Filflag for a year of
transformation and triumph!

*Hashtags & Social Media Engagement:*

#Filflag2024 #Empowerment #FinancialLiteracy #MentalHealth #NewYearNewGoals #FilflagLivestream #CommunityGrowth

Engage with us on our social media platforms and use our hashtags to share how you're embracing 2024 with Filflag! Thank you
for being an integral part of the Filflag family. Let's step into 2024 with confidence, knowing that together, we are stronger and
unstoppable.

Frequent Asked OLA Questions with Ms. A

written by: Ms. Alexa

Question: "Do OLAs have the right to involve barangay officials?"

Answer:The answer depends on the OLA's legal registration status. If the OLA is registered as a corporation, it cannot involve
barangay officials because barangays lack jurisdiction when the complainant is a corporation. However, some corporations may
still appear in barangays through designated representatives. It's important to note that not all barangay interventions are legal
matters; some might only involve simple discussions for clarification.

On the other hand, if the OLA is registered as a single proprietorship or partnership, it has the right to involve barangay officials.
In such cases, it is part of the barangay's duty to assist its constituents (you) in resolving the issue. Thus, the barangay can be a
helpful resource for you in this situation.

It's crucial to remember that barangay interventions often aim to resolve conflicts rather than escalate them. As I always say in
my live sessions and videos, when a representative from your barangay visits you, invite them for a discussion to ensure that
your interaction with the OLA is well-documented and resolved amicably. There's no shame or fear in facing the barangay; it's
more embarrassing to avoid your financial obligations.

By understanding your rights and the role of barangays in such matters, you can navigate your interactions with OLAs more
confidently and effectively.
Path to Positivity: Embracing the New Year - Finding Purpose and Positivity
written by Ms. Jen Pradz

As we bid farewell to the festive season and step into the new year, it's time to welcome fresh beginnings and embrace the
opportunities that lie ahead. While returning to our daily routines, it's easy to get caught up in the monotony of life and lose
sight of the magic that surrounds us.

In a world that can often feel chaotic and overwhelming, the messages of self-care and well-being during the holiday break serve
as gentle reminders. They encourage us to seek moments of stillness amidst the hustle, to nurture our minds, bodies, and souls.
These messages emphasize that taking care of ourselves is not a luxury but a necessity, enabling us to be our best selves both
personally and professionally.

As we embark on this new chapter, let's carry the spirit of joy, love, and gratitude within us. Let's approach each day with
renewed purpose and a commitment to making a positive impact. Embracing the challenges and opportunities that come our
way, we can rely on our strength and resilience to overcome any obstacle.

This is our chance to create a year filled with purpose, passion, and possibility. Let's seize this opportunity to make the most of
each day and strive for a brighter future together.

Filflag Introduces Two New Programs: "Ms. A TikTok Series: Scamserye" and "#Unfflagged Exclusives"
written by: Ms. Nyl Gonzales

Filipino Fair Loans Advocacy Group (Filflag) is proud to unveil two new programs that are poised to inform and empower our
community in the realm of financial literacy and scam awareness.

"Ms. A TikTok Series: Scamserye"

Join Ms. A in an enlightening journey through the intricate world of scams. In this series, Ms. A will unravel the various tactics
employed by scammers, shedding light on their modus operandi and providing valuable insights on how to spot and avoid falling
victim to these fraudulent activities. From traditional scams to modern-day digital schemes, "Scamserye" promises to be an eye-
opening and educational experience for all.

"#Unfflagged Exclusives"
#Unfflagged Exclusives is your go-to program for in-depth discussions on topics related to online lending apps (OLAs) and other
pertinent financial matters. While focusing on OLAs, this program will also explore broader financial topics, such as investment
scams and financial fraud, that are crucial for our community to be aware of. Through expert analysis and informative content,
#Unfflagged Exclusives aims to equip our members with the knowledge and tools needed to navigate the complex landscape of
online lending and financial transactions safely and confidently.

Both programs are part of Filflag's ongoing commitment to promoting financial literacy and protecting our community from
financial scams and pitfalls. We believe that by educating ourselves and staying informed, we can build a stronger and more
resilient community that is equipped to make sound financial decisions. We invite all our members to tune in to these programs,
engage in discussions, and share their feedback. Your participation is invaluable in shaping the direction and content of these
initiatives, ensuring that they remain relevant and beneficial to our community. Stay tuned for more updates and
announcements regarding these exciting new programs. Together, we can create a community that is well-informed,
empowered, and resilient in the face of financial challenges.