APEX BANCRIGHTS HOLDINGS, INC., LEAD BANCFUND HOLDINGS, INC., ASIA WIDE REFRESHMENTS CORPORATION, MEDCO ASIA INVESTMENT CORPORATION, ZEST-O CORPORATION, HARMONY BANCSHARES HOLDINGS, INC., EXCALIBUR HOLDINGS, INC., and ALFREDO M. YAO, vs. BANGKO SENTRAL NG PILIPINAS DEPOSIT CORPORATION, and PHILIPPINE INSURANCE