DEPOSITORY SERVICES

                 A.  Regular Savings Deposit :

-         interest  is 2% per annum

-         maintaining balance – Php 1000.00

-         interest computed quarterly and it is compounded

               B. Special Savings Products:

1.  Super Teens Savers (STS) – savings plan intended for the youth to ensure the financial back up of their education.

Example: 0 year old kid saves PhP 1,420 he has to wait until he reaches the age of 17 and the savings will become PhP 13,500

                                    2.  OFW Cash Builder (OFW)   -- savings program for OFWs

                                                            One (1) unit of the plan is:

                                                            =Php 1,600 savings monthly for 2 years

                                                            =Total savings  -- Php 38,400

                                                            =Waiting period –5 years

                                                            =Maturity Value – Php 50,000

                                    3.  Money Maker Prime Savings (MMP)

                                                            One (1 )unit of the plan is:

                                                            =PhP1,000 savings monthly for a period of 1 year

                                                            =Total savings is PhP 12,000

                                                            = Waiting period – 4 years

                                                            = Maturity Value – PhP 20,000.00

                                    4.  Mother Savings Plan (MSP)

                                                            One (1) unit of the plan is:

                                                            = PhP 1,000 .00 savings per month for 2 years

                                                            = Total Savings  =PhP24,000.00

                                                            = Waiting period of 6 years

                                                            = Maturity value = PhP 48,000

                                    5.  Golden Savers Club (GSC)

                                                            - Savings plan designed for old age / pensioners

                                                            -One (1) unit of the plan is:

                                                              =PhP 500.00 monthly savings for 3 years

                                                              = Total savings   Php 18,000

                                                              = Waiting period is 2 years

                                                              =  Maturity value – Php 26,000

                                   6. Save and BE Protected

                 - This is a program that gives security to a depositor.

                    A depositor enrolled in this program will get a life insurance                   

                    equivalent to her/his deposit in the event that s/he dies.

                                                 - This could be availed by a regular member only

                 - Contestability period is 6 months after placement of deposit

                  - Minimum amount of deposited is PhP 20,000 to a maximum

                     Of PhP 100,000.00

  - Deposit can not be withdrawn for a period of one year or

                                                      While the insurance is enforce..

               C .  Regular Time Deposit

                                    Interest rate  = As approved by the Board of Directors

                                    Placement Period =    Two (2) -  12 months

                                   The rate that will be given depends on the amount of deposit

                                      and placement period

                   D.  Special Time Deposit Products:

                                    1. Build A Three :

                                          - 3 years placement of time deposit

                                          -  Minimum of PhP 25,000 to placed

                                          -  Interest – 12% per annum

                                              Interest can be withdrawn monthly

                                    2.  Platinum Savings:

                                           - 3  ½  years placement of Time Deposit

                                           -  Minimum amount to be placed – PhP50,000

                                            -Interest – 50 % of the amount of deposit

                                    3.  BIG 6                  :

                                           - 6 years placement of Time DeposiT

                                           -  Minimum amount to be placed – PhP50,000

                                           -Interest  -  100% of the amount of deposit