PHILIPPINES WEALTH MANAGEMENT FORUM 2022

Angie is a pioneer of the Philippines private wealth sphere with over 20 years of experience. A leading authority in the country's wealth management industry. She has conducted project consultancy on trust, banking regulations, and investment marketing. And has expansive hands-on experience on major aspects of trust, mutual fund and insurance including marketing, relationship management, product development, investments, portfolio management, and systems and operations. Angie has participated in the crafting of regulations affecting trust, securities, collective investment schemes, preneed, and investments as industry representative to various technical working group (TWG) committees constituted by the BSP, SEC, and IC. And has experience in investment banking, investment research and sales covering both fixed income and equity markets Conducts estate planning, financial planning and employee benefit plan advisory. She is a lecturer and trainor on trust, investments, regulatory, and marketing topics

Richard is a prolific business development professional, as well as a serial entrepreneur with a financial advisory background. At METACO, he is in charge with Tier 1 Sales and Account Management in the Asia Pacific Region. Prior to joining us, he was a business development manager at Singapore-based financial technology consultancy, Luxoft.

Rafael Ayuste, Jr., is a Senior Vice President of BDO Universal Bank, Inc. and is currently responsible for the Personal Equity & Retirement Account (better known as PERA) business of the bank. He joined BDO in July 16, 2013 and was assigned as group head of the Wealth Advisory & Trust Group of BDO Private Bank, Inc. He spent more than thirty years in the banking industry with twenty four (24) years in the trust industry. Prior to joining BDOPB, he was the Trust Banking head of the Philippine National Bank and Security Bank and Deputy Group Head of Metrobank- Trust Banking Group. He also held various banking positions as head of Sales and Distribution of Banco Santander, Philippines and Citibank handling the Citibank Savings franchise. He is currently the President of the Trust Officers Association of the Philippines (TOAP). He has previously served as president of the association for three (3) terms.

With over 25 years of financial services experience, Donald’s career spans from being an equity research analyst to managing the largest family office in Asia to managing a global equities division for the 2nd largest bank in the world. His strengths in building successful financial services businesses have proven valuable for GMG and America Mortgages as we build a firm with best practices in sales, client coverage, and business processes. He is passionate about creating a culture of excellence at GMG as well as incorporating ESG factors into how we work as a firm and individually. Donald co-founded Global Mortgage Group with Robert in 2018 to address the need for better mortgage options for those looking to purchase investment property overseas, initially in the U.S. and now has expanded to U.K., Portugal, Canada, Dubai and Australia as well as bridging loans on crypto, shares and high-value real estate globally.

Tomas S. Chuidian has served as the Head of Private Banking since July 2013. He has concurrently functioned as the Chairman of BPI Hong Kong, a wholly owned subsidiary of BPI, since 2015. Prior to joining BPI, Mr. Chuidian served as Executive Director for Global Wealth Management at Merrill Lynch in Hong Kong for 10 years. He has over 24 years of banking experience, having held positions at ABN AMRO Bank N.V., DBS Bank and PNB as an investment management professional across all asset classes, advising high net-worth families, middle-market companies, and non-profit endowment funds. Previously, Mr. Chuidian managed specialized biotechnology products at Digene Diagnostics, a start-up company founded in the United States. He holds a Master’s Degree in International Management from the University of Maryland and a Bachelor of Science Degree in Chemistry and Biology from College of the Ozarks in Missouri.

Mr. Yeo , prior to joining the bank had been with Merrill Lynch & Co for 17 years , last as a Senior Financial Advisor at their Manhattan Beach Office in Los Angeles, California. He was also connected with UBS Securities and Prudential Securities Inc. (now Wells Fargo Advisors ) in various capacities in the financial services industry. Prior to that he was an interest rate swap trader with IBJ Schroder Bank and Trust ( now Mizuho Bank ) in their Capital Markets Group in New York City for 5 years. Before his MBA, he spent 2 years at Rizal Commercial Banking Corporation as a Corporate Banking officer at their Binondo area headquarter. Mr. Yeo earned his MBA in Finance from the Wharton School at the University of Pennsylvania. He finished his undergraduate degree at the Ateneo de Manila University, BS Management Engineering with magna cum laude distinction and was the Departmental awardee of his class.

Dr. Ramos has more than 25 years of banking and finance experience working for local and foreign institutions. He is a CFA Charterholder, a CAIA Charterholder, a CIPM Certificant, Certified Securities Representative, a Registered Financial consultant and a certified Treasury Professional. Dr. Ramos has received several local and international awards for his service to the industry and has also served on the boards of several industry associations. He has served as President of the Trust officers Association of the Philippines and the De La Salle University Doctoral Society. He is also the current President of the CFA Society of the Philippines.

Cathy has over 19 years’ experience in the banking and finance industry spanning a breadth of roles from Risk Management to Treasury to being at the forefront of the future of finance as UnionBank’s First Vice President and Head of Blockchain and API Business Group which comprises the Blockchain Center of Excellence, the API Marketplace, and the Digital Asset Markets Unit. Prior to this, Cathy gained experience through handling Statistical Analysis and Market Risk Roles. She later joined the Treasury team, wherein she stayed for over 12 years, eventually heading its Fixed Income (Indonesia and South Asia), Derivatives, and Structured Products Desk. Transitioning from traditional banking roles, Cathy currently leads her team which harnesses API and Blockchain technology to prepare the Bank for the future API and Token economy. She led the team that launched the bank’s award-winning blockchain initiatives such sa BitBox, UnionBank’s Virtual Currency ATM- the first central bank compliant, bank-operated bitcoin ATM in the world, Project Send-i2i, and Bonds.PH, among others. It was also under her leadership that Unionbank’s Blockhain Center of Excellence Team was awarded the Digital Team of the Year by the Asset in 2021. She co-authored the recently launched book, “Opening the Archipelago: The Story of Blockchain in the Philippines", together with other UnionBank leaders. Cathy is also a certified Money Market and Foreign Exchange Trader and a licensed Fixed Income Salesperson. She graduated with a Bachelor of Science Degree in Statistics from the University of the Philippines -Diliman.

Stella L. Cabalatungan is the Executive Vice President and Relationship Management Head of BDO Private Bank, Inc., a wholly owned subsidiary of Banco De Oro Universal Bank.  She holds a degree in Business Major in Marketing Management at De La Salle University, Manila.  Her 33 years of banking experience began at Citibank, N.A. – Philippines as a Relationship Manager in 1985.  In 1991, she became first Filipino Business Development Manager of the International Personal Banking Center (IPB) in Citibank, Singapore, primarily managing and developing the Philippine offshore banking portfolio.  From 1994 to 2000, she managed and set-up various Personal Banking and Citigold Priority Centers in Manila. In 2000, she joined Banco Santander Phils, Inc., a Philippine subsidiary of Banco Santander Central Hispano, to manage the Fixed Income and Securities Distribution Group of Santander Investment Securities Philippines, Inc.  The Bank was acquired in 2003 by the Banco De Oro Universal Bank,and was renamed BDO Private Bank, Inc. to establish the very first Domestic Private Bank with a commercial bank license solely focused on Private Banking and Wealth Management in the country.  From then on, she assumed the role of Relationship Management Head to develop a new breed of domestic private bankers and to grow the private banking business competing head on with offshore private banks.  From a P6.8Bln portfolio base in 2003, the Bank has grown its Assets Under Management to P390Bln. BDO Private Bank holds the distinction of being the Best Private Bank and the Best Wealth Management House in the Philippines by many highly respected award-giving bodies such as Euromoney, Finance Asia, The Triple A Asset, Alpha Southeast, Global Finance and Asian Private Banker.

Atty. Arlene has over two decades worth of experience and expertise in Treasury, Trust and Private Banking. Prior to joining UnionBank in 2018 as Trust Officer and then eventually, Head of Private Banking, Atty. Arlene was the SVP-Treasurer and Head of Global Markets of Maybank Philippines, Inc. Atty. Arlene was also previously the Customer Solutions Desk Head of the Treasury Capital Markets & Derivatives Division of BDO and Treasurer of GE Money Bank. She obtained her bachelor’s degree in Political Science and Economics from the University of the Philippines, Diliman. She earned her Juris Doctor Law degree at the Ateneo De Manila University and later took her Master’s Degree in Business Administration at De La Salle University. She is a Chartered Wealth Advisor (CWA), Chartered Trust and Estate Planner (CTEP) and a member of the Integrated Bar of the Philippines.

Regina Jacinto-Barrientos received her Juris Doctor (J.D.) degree from the Ateneo de Manila University in 1995, where she graduated in the top 15 of her class. She also completed her Bachelor of Science degree in Legal Management with honors from the same university in 1991 and was a member of the student editorial board of the Ateneo Law Journal. She was admitted to the Philippine Bar in 1996. Her fields of expertise include Corporate and Commercial Law, Energy, and Special Projects. She is a certified fellow of the Institute of Corporate Directors.

Peter is Global Head of Digital Asset Infrastructure Solutions at IBM, which focuses on confidential computing technology solutions that further secures institutional custody, exchange wallets, and tokenization use cases, which require advanced the most secure private key management. Peter is responsible for market development, technology roadmaps, and building sales and services infrastructure. As a certified design thinking facilitator, Peter also helps clients enhance their solution’s capabilities by leveraging IBM’s Hyper Protect Services on premise and on the IBM Cloud. Peter is a regular speaker at blockchain conferences. Prior to his relocation to Asia Pacific from Washington DC in 2013, he was practice leader for Enterprise Architecture, including the divisions large scale software development efforts and IT strategy consulting for US Federal clients including the Federal Aviation Administration, Federal Depository and Trust Corporation, Department of Defense, and Department of Homeland Security. He was also a contributing author to enterprise architecture publication: Coherency Management: Architecting the Enterprise for Alignment, Agility and Assurance (2009).

Scott Moore is Managing Director and Head of the Indonesia and Philippines offices at Henley & Partners. Scott has extensive experience dealing with high-net-worth individuals and their families concerning residence and citizenship planning. He holds a Bachelor of Commerce from the University of British Columbia and has attended the National University of Singapore.

Michael has an extensive background in financial services in Asia, Europe and North America. He has been in Asia-Pacific since 1995 – first in Hong Kong for six years, then in Sydney and Singapore, returning to Hong Kong in 2007. Before setting up Hubbis in early 2009, Michael founded Pacific Prospect in 2002 and sold it to global business-to-business publisher Incisive Media in 2006, continuing to serve as Chief Executive Officer until October 2008. Prior to Pacific Prospect, Michael worked for nine years in financial markets publishing. He joined Euromoney Publications in 1993 as the publisher of a quarterly magazine, International Bond Investor. In 1995, Michael joined Thomson Financial Services (now Thomson Reuters) to conceive and launch Finance Asia magazine. While he was Managing Director of Finance Asia, Michael also started the Asian Debt Review, Asian Private Capital Magazine and started the Finance Asia Conference Business. In 1997, Michael founded FIA Limited. Born in North Wales, Michael was head boy of St David’s College Llandudno. He has a degree in Business Administration from Cardiff University. And is married with three children - Reanna, Garett and Tarryn.

Tomas S. Chuidian has served as the Head of Private Banking since July 2013. He has concurrently functioned as the Chairman of BPI Hong Kong, a wholly owned subsidiary of BPI, since 2015. Prior to joining BPI, Mr. Chuidian served as Executive Director for Global Wealth Management at Merrill Lynch in Hong Kong for 10 years. He has over 24 years of banking experience, having held positions at ABN AMRO Bank N.V., DBS Bank and PNB as an investment management professional across all asset classes, advising high net-worth families, middle-market companies, and non-profit endowment funds. Previously, Mr. Chuidian managed specialized biotechnology products at Digene Diagnostics, a start-up company founded in the United States. He holds a Master’s Degree in International Management from the University of Maryland and a Bachelor of Science Degree in Chemistry and Biology from College of the Ozarks in Missouri.

Mr. Yeo , prior to joining the bank had been with Merrill Lynch & Co for 17 years , last as a Senior Financial Advisor at their Manhattan Beach Office in Los Angeles, California. He was also connected with UBS Securities and Prudential Securities Inc. (now Wells Fargo Advisors ) in various capacities in the financial services industry. Prior to that he was an interest rate swap trader with IBJ Schroder Bank and Trust ( now Mizuho Bank ) in their Capital Markets Group in New York City for 5 years. Before his MBA, he spent 2 years at Rizal Commercial Banking Corporation as a Corporate Banking officer at their Binondo area headquarter. Mr. Yeo earned his MBA in Finance from the Wharton School at the University of Pennsylvania. He finished his undergraduate degree at the Ateneo de Manila University, BS Management Engineering with magna cum laude distinction and was the Departmental awardee of his class.

Atty. Arlene has over two decades worth of experience and expertise in Treasury, Trust and Private Banking. Prior to joining UnionBank in 2018 as Trust Officer and then eventually, Head of Private Banking, Atty. Arlene was the SVP-Treasurer and Head of Global Markets of Maybank Philippines, Inc. Atty. Arlene was also previously the Customer Solutions Desk Head of the Treasury Capital Markets & Derivatives Division of BDO and Treasurer of GE Money Bank. She obtained her bachelor’s degree in Political Science and Economics from the University of the Philippines, Diliman. She earned her Juris Doctor Law degree at the Ateneo De Manila University and later took her Master’s Degree in Business Administration at De La Salle University. She is a Chartered Wealth Advisor (CWA), Chartered Trust and Estate Planner (CTEP) and a member of the Integrated Bar of the Philippines.

With over 25 years of financial services experience, Donald’s career spans from being an equity research analyst to managing the largest family office in Asia to managing a global equities division for the 2nd largest bank in the world. His strengths in building successful financial services businesses have proven valuable for GMG and America Mortgages as we build a firm with best practices in sales, client coverage, and business processes. He is passionate about creating a culture of excellence at GMG as well as incorporating ESG factors into how we work as a firm and individually. Donald co-founded Global Mortgage Group with Robert in 2018 to address the need for better mortgage options for those looking to purchase investment property overseas, initially in the U.S. and now has expanded to U.K., Portugal, Canada, Dubai and Australia as well as bridging loans on crypto, shares and high-value real estate globally.

Scott Moore is Managing Director and Head of the Indonesia and Philippines offices at Henley & Partners. Scott has extensive experience dealing with high-net-worth individuals and their families concerning residence and citizenship planning. He holds a Bachelor of Commerce from the University of British Columbia and has attended the National University of Singapore.

Stella L. Cabalatungan is the Executive Vice President and Relationship Management Head of BDO Private Bank, Inc., a wholly owned subsidiary of Banco De Oro Universal Bank.  She holds a degree in Business Major in Marketing Management at De La Salle University, Manila.  Her 33 years of banking experience began at Citibank, N.A. – Philippines as a Relationship Manager in 1985.  In 1991, she became first Filipino Business Development Manager of the International Personal Banking Center (IPB) in Citibank, Singapore, primarily managing and developing the Philippine offshore banking portfolio.  From 1994 to 2000, she managed and set-up various Personal Banking and Citigold Priority Centers in Manila. In 2000, she joined Banco Santander Phils, Inc., a Philippine subsidiary of Banco Santander Central Hispano, to manage the Fixed Income and Securities Distribution Group of Santander Investment Securities Philippines, Inc.  The Bank was acquired in 2003 by the Banco De Oro Universal Bank,and was renamed BDO Private Bank, Inc. to establish the very first Domestic Private Bank with a commercial bank license solely focused on Private Banking and Wealth Management in the country.  From then on, she assumed the role of Relationship Management Head to develop a new breed of domestic private bankers and to grow the private banking business competing head on with offshore private banks.  From a P6.8Bln portfolio base in 2003, the Bank has grown its Assets Under Management to P390Bln. BDO Private Bank holds the distinction of being the Best Private Bank and the Best Wealth Management House in the Philippines by many highly respected award-giving bodies such as Euromoney, Finance Asia, The Triple A Asset, Alpha Southeast, Global Finance and Asian Private Banker.

Angie is a pioneer of the Philippines private wealth sphere with over 20 years of experience. A leading authority in the country's wealth management industry. She has conducted project consultancy on trust, banking regulations, and investment marketing. And has expansive hands-on experience on major aspects of trust, mutual fund and insurance including marketing, relationship management, product development, investments, portfolio management, and systems and operations. Angie has participated in the crafting of regulations affecting trust, securities, collective investment schemes, preneed, and investments as industry representative to various technical working group (TWG) committees constituted by the BSP, SEC, and IC. And has experience in investment banking, investment research and sales covering both fixed income and equity markets Conducts estate planning, financial planning and employee benefit plan advisory. She is a lecturer and trainor on trust, investments, regulatory, and marketing topics

Regina Jacinto-Barrientos received her Juris Doctor (J.D.) degree from the Ateneo de Manila University in 1995, where she graduated in the top 15 of her class. She also completed her Bachelor of Science degree in Legal Management with honors from the same university in 1991 and was a member of the student editorial board of the Ateneo Law Journal. She was admitted to the Philippine Bar in 1996. Her fields of expertise include Corporate and Commercial Law, Energy, and Special Projects. She is a certified fellow of the Institute of Corporate Directors.

Richard is a prolific business development professional, as well as a serial entrepreneur with a financial advisory background. At METACO, he is in charge with Tier 1 Sales and Account Management in the Asia Pacific Region. Prior to joining us, he was a business development manager at Singapore-based financial technology consultancy, Luxoft.

Cathy has over 19 years’ experience in the banking and finance industry spanning a breadth of roles from Risk Management to Treasury to being at the forefront of the future of finance as UnionBank’s First Vice President and Head of Blockchain and API Business Group which comprises the Blockchain Center of Excellence, the API Marketplace, and the Digital Asset Markets Unit. Prior to this, Cathy gained experience through handling Statistical Analysis and Market Risk Roles. She later joined the Treasury team, wherein she stayed for over 12 years, eventually heading its Fixed Income (Indonesia and South Asia), Derivatives, and Structured Products Desk. Transitioning from traditional banking roles, Cathy currently leads her team which harnesses API and Blockchain technology to prepare the Bank for the future API and Token economy. She led the team that launched the bank’s award-winning blockchain initiatives such sa BitBox, UnionBank’s Virtual Currency ATM- the first central bank compliant, bank-operated bitcoin ATM in the world, Project Send-i2i, and Bonds.PH, among others. It was also under her leadership that Unionbank’s Blockhain Center of Excellence Team was awarded the Digital Team of the Year by the Asset in 2021. She co-authored the recently launched book, “Opening the Archipelago: The Story of Blockchain in the Philippines", together with other UnionBank leaders. Cathy is also a certified Money Market and Foreign Exchange Trader and a licensed Fixed Income Salesperson. She graduated with a Bachelor of Science Degree in Statistics from the University of the Philippines -Diliman.

Peter is Global Head of Digital Asset Infrastructure Solutions at IBM, which focuses on confidential computing technology solutions that further secures institutional custody, exchange wallets, and tokenization use cases, which require advanced the most secure private key management. Peter is responsible for market development, technology roadmaps, and building sales and services infrastructure. As a certified design thinking facilitator, Peter also helps clients enhance their solution’s capabilities by leveraging IBM’s Hyper Protect Services on premise and on the IBM Cloud. Peter is a regular speaker at blockchain conferences. Prior to his relocation to Asia Pacific from Washington DC in 2013, he was practice leader for Enterprise Architecture, including the divisions large scale software development efforts and IT strategy consulting for US Federal clients including the Federal Aviation Administration, Federal Depository and Trust Corporation, Department of Defense, and Department of Homeland Security. He was also a contributing author to enterprise architecture publication: Coherency Management: Architecting the Enterprise for Alignment, Agility and Assurance (2009).

Rafael Ayuste, Jr., is a Senior Vice President of BDO Universal Bank, Inc. and is currently responsible for the Personal Equity & Retirement Account (better known as PERA) business of the bank. He joined BDO in July 16, 2013 and was assigned as group head of the Wealth Advisory & Trust Group of BDO Private Bank, Inc. He spent more than thirty years in the banking industry with twenty four (24) years in the trust industry. Prior to joining BDOPB, he was the Trust Banking head of the Philippine National Bank and Security Bank and Deputy Group Head of Metrobank- Trust Banking Group. He also held various banking positions as head of Sales and Distribution of Banco Santander, Philippines and Citibank handling the Citibank Savings franchise. He is currently the President of the Trust Officers Association of the Philippines (TOAP). He has previously served as president of the association for three (3) terms.

Dr. Ramos has more than 25 years of banking and finance experience working for local and foreign institutions. He is a CFA Charterholder, a CAIA Charterholder, a CIPM Certificant, Certified Securities Representative, a Registered Financial consultant and a certified Treasury Professional. Dr. Ramos has received several local and international awards for his service to the industry and has also served on the boards of several industry associations. He has served as President of the Trust officers Association of the Philippines and the De La Salle University Doctoral Society. He is also the current President of the CFA Society of the Philippines.

Michael has an extensive background in financial services in Asia, Europe and North America. He has been in Asia-Pacific since 1995 – first in Hong Kong for six years, then in Sydney and Singapore, returning to Hong Kong in 2007. Before setting up Hubbis in early 2009, Michael founded Pacific Prospect in 2002 and sold it to global business-to-business publisher Incisive Media in 2006, continuing to serve as Chief Executive Officer until October 2008. Prior to Pacific Prospect, Michael worked for nine years in financial markets publishing. He joined Euromoney Publications in 1993 as the publisher of a quarterly magazine, International Bond Investor. In 1995, Michael joined Thomson Financial Services (now Thomson Reuters) to conceive and launch Finance Asia magazine. While he was Managing Director of Finance Asia, Michael also started the Asian Debt Review, Asian Private Capital Magazine and started the Finance Asia Conference Business. In 1997, Michael founded FIA Limited. Born in North Wales, Michael was head boy of St David’s College Llandudno. He has a degree in Business Administration from Cardiff University. And is married with three children - Reanna, Garett and Tarryn.

Michael has an extensive background in financial services in Asia, Europe and North America. He has been in Asia-Pacific since 1995 – first in Hong Kong for six years, then in Sydney and Singapore, returning to Hong Kong in 2007. Before setting up Hubbis in early 2009, Michael founded Pacific Prospect in 2002 and sold it to global business-to-business publisher Incisive Media in 2006, continuing to serve as Chief Executive Officer until October 2008. Prior to Pacific Prospect, Michael worked for nine years in financial markets publishing. He joined Euromoney Publications in 1993 as the publisher of a quarterly magazine, International Bond Investor. In 1995, Michael joined Thomson Financial Services (now Thomson Reuters) to conceive and launch Finance Asia magazine. While he was Managing Director of Finance Asia, Michael also started the Asian Debt Review, Asian Private Capital Magazine and started the Finance Asia Conference Business. In 1997, Michael founded FIA Limited. Born in North Wales, Michael was head boy of St David’s College Llandudno. He has a degree in Business Administration from Cardiff University. And is married with three children - Reanna, Garett and Tarryn.

Michael has an extensive background in financial services in Asia, Europe and North America. He has been in Asia-Pacific since 1995 – first in Hong Kong for six years, then in Sydney and Singapore, returning to Hong Kong in 2007. Before setting up Hubbis in early 2009, Michael founded Pacific Prospect in 2002 and sold it to global business-to-business publisher Incisive Media in 2006, continuing to serve as Chief Executive Officer until October 2008. Prior to Pacific Prospect, Michael worked for nine years in financial markets publishing. He joined Euromoney Publications in 1993 as the publisher of a quarterly magazine, International Bond Investor. In 1995, Michael joined Thomson Financial Services (now Thomson Reuters) to conceive and launch Finance Asia magazine. While he was Managing Director of Finance Asia, Michael also started the Asian Debt Review, Asian Private Capital Magazine and started the Finance Asia Conference Business. In 1997, Michael founded FIA Limited. Born in North Wales, Michael was head boy of St David’s College Llandudno. He has a degree in Business Administration from Cardiff University. And is married with three children - Reanna, Garett and Tarryn.

Michael has an extensive background in financial services in Asia, Europe and North America. He has been in Asia-Pacific since 1995 – first in Hong Kong for six years, then in Sydney and Singapore, returning to Hong Kong in 2007. Before setting up Hubbis in early 2009, Michael founded Pacific Prospect in 2002 and sold it to global business-to-business publisher Incisive Media in 2006, continuing to serve as Chief Executive Officer until October 2008. Prior to Pacific Prospect, Michael worked for nine years in financial markets publishing. He joined Euromoney Publications in 1993 as the publisher of a quarterly magazine, International Bond Investor. In 1995, Michael joined Thomson Financial Services (now Thomson Reuters) to conceive and launch Finance Asia magazine. While he was Managing Director of Finance Asia, Michael also started the Asian Debt Review, Asian Private Capital Magazine and started the Finance Asia Conference Business. In 1997, Michael founded FIA Limited. Born in North Wales, Michael was head boy of St David’s College Llandudno. He has a degree in Business Administration from Cardiff University. And is married with three children - Reanna, Garett and Tarryn.