SECOND REQUEST FOR COMMENTS ON THE EXPOSURE DRAFT OF THE MNRC MEMORANDUM CIRCULAR: AMENDMENT TO MNRC M.C. NO. 3, SERIES OF 2018 AND MNRC M.C. NO. 2, SERIES OF 2021, PROVIDING DETAILED DEFINITIONS ON “MICROFINANCE”, “MICROFINANCE LOANS”, “MICROSAVINGS”, AND CLARIFICATION ON “INVESTMENTS IN REAL ESTATE”