ERNESTINA A. PAGDANGANAN, RODERICK APACIBLE PAGDANGANAN, MARIA ROSARIO LOTA, REPRESENTED BY HER ATTORNEY-IN-FACT, ERNESTINA A. PAGDANGANAN, ERNEST JEROME PAGDANGANAN, AND SANDRA APACIBLE PAGDANGANAN, AS THE HEIRS AND SUBSTITUTES OF DECEASED ISAURO J. PAGDANGANAN, ALFONSO ORTIGAS OLONDRIZ, AND CITIBANK N.A. HONG KONG, PETITIONERS, V. THE COURT OF APPEALS AND MA. SUSANA A.S. MADRIGAL, MA. ANA A.S. MADRIGAL, MA. ROSA A.S. MADRIGAL, MATHILDA S. OLONDRIZ, VICENTE A.S. MADRIGAL, ROSEMARIE OPIS-MALASIG, MARIA TERESA S. UBANO, EDUARDO E. DELA CRUZ, AND GUILLER B. ASIDO, RESPONDENTS