Areza v. Express Savings Bank, Inc., G.R. No. 176697, September 10, 2014 Areza v. Express Savings Bank, Inc., G.R. No. 176697, September 10, 2014 Areza v. Express Savings Bank, Inc., G.R. No. 176697, September 10, 2014 Areza v. Express Savings Bank, Inc., G.R. No. 176697, September 10, 2014 Areza v. Express Savings Bank, Inc., G.R. No. 176697, September 10, 2014 Areza v. Express Savings Bank, Inc., G.R. No. 176697, September 10, 2014 V Areza v. Express Savings Bank, Inc., G.R. No. 176697, September 10, 2014 Areza v. Express Savings Bank, Inc., G.R. No. 176697, September 10, 2014 Areza v. Express Savings Bank, Inc., G.R. No. 176697, September 10, 2014 Areza v. Express Savings Bank, Inc., G.R. No. 176697, September 10, 2014 Areza v. Express Savings Bank, Inc., G.R. No. 176697, September 10, 2014 Areza v. Express Savings Bank, Inc., G.R. No. 176697, September 10, 2014 Areza v. Express Savings Bank, Inc., G.R. No. 176697, September 10, 2014 Areza v. Express Savings Bank, Inc., G.R. No. 176697, September 10, 2014 Areza v. Express Savings Bank, Inc., G.R. No. 176697, September 10, 2014 VVV