Mga Nilalaman

Mensahe ...... 2-3 Ulat ng Lupong Patnugutan ...... 4-25 Ulat ng Lupon sa Pag-utang ...... 26-27 Ulat ng Lupon sa Awdit ...... 28 Ulat ng Lupon sa Halalan ...... 29 Ulat ng Lupon sa Mediation and Conciliation ...... 30 Ulat ng Advisory Council ...... 30 Ulat ng Lupon sa Edukasyon at Pagsasanay ...... 31-38 Ulat ng Pamunuan ng Kapulungan ng mga Pook-Tulungan Lider (PKPTL) ...... 39 Membership Profile ...... 40 Talaan ng mga Pook-Tulungan Lider 2013-2014 ...... 41-46 Audited Financial Report of SDCC ...... 47-85 Audited Financial Report of EDSD ...... 86-119 Highlights of Operation ...... 120 Statistical Growth Trend 1961-2013 ...... 121 Ulat ng mga Kasaping Namatay at Benepisyong Natanggap ...... 122-123 Pamunuan ng SDCC (Constitutional & Non-Constitutional Bodies) ...... 124-129 Mga Kawani ng SDCC ...... 130-136 EDSD Officers and EDSD List of Teaching and Non-Teaching Staff ...... 137 Balik Tanaw ...... 138-140

Ang Pabalat

Ang susi ay simbolo ng pag-asa sa masaganang buhay ng mga kasapi na makakamtan sa pag-unlad at pagdami ng kasapian na may mulat na pananaw sa kooperatiba.

Ang susi sa masaganang buhay ay nakasalalay sa mga kasapi at patuloy na edukasyon. Ang paglaki ng mulat na kasapian ay paglaki at pag-unlad din ng samahan. Ang maunlad na samahan ay katumbas ng maraming serbisyo na makakatulong sa pag-angat ng kalagayan ng mga kasapi.

Ang Pantaunang Ulat 2013 ay magkakatulong ng ginawa nina: Cielito L. Garrido, Maricris D. Bautista, Vivian C. Alcantara, Nelson D. Yeban, Jr., Elenita C. Sanchez, Emmy R. Salvador, Ma. Nanette D. Bernardo, 1 Cirilo O. Fernandez, Jr., at Marites M. Sanchez, bilang Tagapangulo ng Pantaunang Ulat 2013. Mensahe

Isang taos-pusong pagbati sa lahat ng bumubuo at taga-suporta ng San Dionisio Credit Cooperative. Ang mga pangunahin nating naisakatuparan noong taong 2013 ay nakalahad sa hiwalay na Ulat ng Lupong Patnugutan. Para naman sa mensaheng ito, pahintulutan ninyo akong bigyang-diin ang ilang mga direksyon natin para sa taong kasalukuyan, na napapailalim sa lima nating Flagship Program. Sa ilalim ng Account Management/Member Relationship Management Program: LIPS (Liquidity, Increasing Growth, Profitability, Solvency) –lalong palalakasin ang kakayahang: harapin ang pandaliang obligasyon” (Liquidity), lumago at umunlad (Increasing growth e.g. membership), kumita (Profitability) at bayaran ang pangmatagalang obligasyon (Solvency) PAR (Portfolio at Risk) – pababain ang PAR sa pamamagitan ng pagpapababa ng delinquency; kung isang milyong piso, halimbawa, ang utang ng isang kasapi, kapag di sya nakabayad ng kahit na piso sa takdang panahon, ang buong isang milyong piso ay papasok sa PAR PESTEL (Political, Economic, Socio-cultural, Technical, Environmental, Legal) – pangkabuuang pagpapaunlad ng kalidad ng buhay ng mga kasapi at kanilang komunidad BEEF (Business, Employment, Education, Food) – kikilalanin ang mga kasaping tinataguriang “marginalized” (hirap sa buhay) at sisikaping bigyan ng karampatang ayuda (ito ba ay sa pagsisimula ng maliit na negosyo (Business)? sa paghahanap ng empleyo (Employment)? Sa pagpapatapos ng isang anak para mas madaling makakita ito ng trabaho (Education)? o simpleng kailangan ng makakain sa hapag- kainan ang buong pamilya (Food)?

SHEPHERD (Safe Haven, Environment Protection, Holistic & Energetic Response to Disasters) – kahandaan sa mga kalamidad lalo na sa matinding pagbaha Sa ilalim ng Leadership Succession & Career Development Program: Bukod sa Members in Good Standing (MIGS), pagpapatupad ng mga bagong batayan para sa mga Leaders of Good Standing (LOGS), Committees of Good Standing (COGS), Quality Member-Applicants (QMA) at Quality Leader-Applicants (QLA) at aalamin kung sino sa hanay ng mga kasapi at opisyales ang papasa sa mga batayang ito. Sa ilalaim ng Competency-based Education Program:

Pagsasagawa ng mas malalim na Training Needs Analysis (TNA) na pagdadaanan ng mga Quality Leader-Applicants (QLA) CeC (Community e-learning Center) – para sa mga out-of-school youth at adults sa hanay ng ating mga kasapi. Kaugnay nito ay ang CARE (Cooperative Alliances Reinforcing Education). Sa ilalim ng Strategic Alliance Program: icd-ScoPE (integrated cooperative development for a Supply Chain of Paranaque Enterprises) – pagtutulungan ng mga kooperatiba sa Paranaque upang mapagsama-sama ang mga pangangailangan sa bigas, asukal, mantika, karne atbp upang makakuha ng mas malaking diskwento sa mga suppliers

Tripod IPE (Information, Participation, Execution) – ito ang framework ng pakikipag-ugnayan natin sa LGU at iba pang organisasyon; na ang batayan ay pagpapalitan ng impormasyon, de-kalidad na pakikilahok at masusing pagpapatupad

Sa ilalim ng Branding Program: Paiigtingin ang pagsasabuhay at pagpapalaganap ng tatak na “WISE MENTOR”, na isang malaking basehan para sa ating “Code of Ethics” at “Code of Conduct”

Naniniwala ako na magagawa nating lahat ito kung tayo ay magtutulungan. Sapagka’t ang tunay na diwa ng kooperatibismo ay umiikot at nabubuhay sa pagtutulungan. Mabuhay ang SDCC!

GARIBALDI O. LEONARDO, Ph.D. 2 Tagapangulo Mensahe

Isang mapagpalang pagbati sa lahat ng bumubuo ng San Dionisio Credit Cooperative (SDCC), mga kasapi, opisyales, kawani at mga katuwang sa pagbibigay ng serbisyo sa loob ng nagdaang taon.

Ang SDCC ay tunay na umunlad at lumaki sa larangan ng paglaki ng ari- arian, kasapian at mga serbisyong naibibigay sa mga kasapi at komunidad, sa kabila ng mga pagsubok na ating pinagdaanan sa loob ng 52 taon.

Sa ating mga taga-SDCC, tayo ay natutuwa sa paglago ng ating pinansiyal na yaman, ngunit higit nating pinahahalagahan ang pag-unlad ng tao, ng mga kasapi. Sa bawat gawain ay lagi nating gabay ang ating mataas na layunin na mapaunlad ang kalidad ng pamumuhay ng mga kasapi at komunidad at pagbalanse ng mga hangarin sa aspetong pang sosyal at pinansiyal.

Sa taong 2013, masasabing balanseng naisakatuparan ang ating mga hangarin. Ang ating total asset ay umabot na sa Php 1.02 Billion mula sa Php 870 M o pagtaas ng 18.16% noong 2012, savings at time deposit na Php 632 M mula sa Php 490 M o pagtaas ng 28.97% , share capital na Php 263 M mula sa Php 247 M o pagtaas na 6.47% at Reserve Fund na Php 31.75 M mula sa Php 29.29 M o pagtaas ng 8.39%. Bagama’t ang ating linis na kita sa taong ito ay Php 12.06 M mula sa Php 29.54 M o pagbaba na 58.49% mula sa taong 2012. Ang ilan sa mga kadahilanan ng pagbaba ng linis na kita ay mas maraming kasapi ang umutang noong 2012, Php 119.60 M na mas malaki kaysa 2013 at ang paglilinis natin sa ating pagpapautang upang unti-unting lumiit ang ating Portfolio at Risk (PAR), kasama na ang pagpapalakas ng ating allowance for probable losses. Ngunit ito ay indikasyon na mas “quality loan” ang ating pinagtuunan, ang mga kasapi ay hindi mangungutang kung walang mahigpit na pangangailangan at patuloy nating tinutulungan ang mga kasapi na makaahon sa kanilang pagkakautang sa pamamagitan ng mga paluwag. Tunay na sa simula ay bababa ang ating linis na kita, ngunit ito naman ay mangangahulugan ng mas matatag ang kooperatiba sa pangmatagalan Para naman sa ikadadagdag ng linis na kita, nakatulong diyan ang mga serbisyong dati pa natin inumpisahan gaya ng Escuela De San Dionisio, Botica De San Dionisio at nito lamang Disyembre ay pagbubukas natin ng Chopstop (franchise restaurant).

Sa larangan naman ng mga gawaing pang komunidad ay patuloy nating isinasagawa ang mga libreng serbisyo sa ating kooperatiba gaya ng libreng gamutan, medical mission, pagtulong at pakikilahok sa mga gawain sa paaralan (aflatoun, brigada eskwela, pag-sponsor sa washing area sa paaralan). Kasama pa riyan ang pakikilahok natin sa gawaing pampolitikal, pangkalikasan at pagpapaunlad ng Co- operative Movement.

Ang lahat ng ating mga ginagawa ay nakatuon sa pagpapaunlad ng tao sa aspetong pang-ekonomiya, sosyal, kultural, politikal at ispiritual.

Tayo sa SDCC ay naniniwala na ang samahang kooperatiba ang susi sa kasaganahan, iyan ay dahil sa sama-sama nating pagtutulungan at pagtangkilik sa ating mga serbisyo sa ilalim ng pagpatnubay ng Poong Maykapal.

Isang karangalan ang maging bahagi ng samahang kay galing!

Maraming salamat at Mabuhay ang San Dionisio Credit Cooperative !!

CIELITO L. GARRIDO, MBA Chief Executive Officer 3 ULAT NG LUPONG PATNUGUTAN

Isang mapagpala at taos-pusong pagbati sa lahat ng mga kasapi, kawani, opisyales at mga sumusuporta sa San Dionisio Credit Cooperative (SDCC).

Para sa taong 2013 nakapagsagawa ang inyong Lupon ng 25 na pagpupulong, regular at espesyal. Sa mga pagpupulong na ito ay masusing tinalakay, pinag-aralan at pinagtibay, sa tulong ng iba’t-ibang komite at mga kawani, ang mga programa na makakatulong sa ating mga kasapi at magpapalakas ng ating kooperatiba. Tunghayan sa susunod na pahina ang talaan ng lahat ng resolusyon ng Lupon.

Ang ating pananaw at misyon ang gabay ng ating mga namumuno, na may matayog na layuning maiangat ang kalidad ng buhay ng mga kasapi nito, sa aspetong pangpinansiyal, sosyal, kultural, political at ispiritual sa mga naisagawa nito na nauugnay sa lima nating “Flagship Programs.”

1. Account Management/Member Relationship Management

Ika-27 ng Hulyo ay opisyal ng binuksan ang ating satellite office na matatagpuan sa Dr. A Santos Avenue (Sucat Road). Ikinatuwa ito ng mga kasapi na nakatira at naghahanapbuhay malapit sa nasabing opisina dahil tunay na nailapit ang serbisyo ng kooperatiba sa kanila.

Bukas na rin ang ating kooperatiba sa pagtanggap ng mga nagnanais maging kasapi sa lahat ng nakatira sa buong Lungsod ng Paranaque at Las Pinas. Kasabay din nito ang pag-alis ng “age limit. “ Ibig sabihin ang edad ng maaaring maging kasapi ay 18 taong Lupong Patnugutan gulang pataas at nakapasa sa iba pang criteria.

Pinagtibay din ang pagsasakatuparan ng programang BEEF (Business, Employment, Education, Food) na naglalayong matulungan ang mga kasapi sa kanilang pangangailangan na may kinalaman sa negosyo, hanapbuhay, edukasyon o pagkain.

2. Competency-based Education

Patuloy na hinahasa ang mga opisyales at mga kawani sa pamamagitan ng pagdalo sa iba’t-ibang pagsasanay upang sa mas maayos na pagganap ng tungkulin.

3. Council of Leaders & Career Development (Leadership Succession Program)

Bahagi ng Leadership Succession Program ay ang pagsasaayos ng Mission Statement ng lahat ng Komite. Ang Mission Statement ay ang paglilinaw ng kung paano ang bawat komite ay makakatulong sa Lupong Patnugutan sa pagsasagawa ng mga tunkulin nito. Ito rin ay paglilinaw sa kahalagahan ng bawat komite sa ating kooperatiba. Sa pamamgitan nito, malinaw sa lahat ng gumaganap at sa mga gaganap pa ang buting idudulot ng kontribusyon ng bawat isa.

4. Strategic Alliance

Sa taong ito ay lalong napaigting ang ating pakikipag-uganayan sa iba’t-ibang kooperatiba at organisasyon .

• Ateneo de Manila, De La Salle University, University of the Philippines at Polytechnic University of the Philippines na nagsasagawa ng mga pag-aaral tungkol sa buting naidudulot ng ating kooperatiba sa mga kasapi at komunidad. Kasama rin dito ang pag-aaral sa mga karagdagang serbisyo na kailangan ng ating mga kasapi. • University of Asia and the Pacific (UAP) para sa mga bagay na may kinalaman sa pagpapalakas ng Cooperative Movement. • NATCCO Consultancy Group na patuloy na sinusuri ang ating polisiya sa Account Management System upang higit na matugunan ang mga kasapi at patatagin ang kooperatiba. • Metrobank at Asia United Bank para naman sa payment system na kung saan ay maaaring magbayad at mag deposito ang mga kasapi sa ating kooperatiba sa pamamagitan nga mga bankong ito saan mang bahagi ng Pilipinas • Nakipag-ugnayan din tayo sa Department of Education, sa tulong ng NATCCO Party List, para sa programang Community E- Center (CeC). Sa CeC ay nilalayon nating makapagbigay ng libreng edukasyon sa pamamagitang e-learning gaya ng Alternative Learning System (ALS). • New Adobo Filipinos, Inc. - ito ay ang pag – franchise natin ng Chopstop Restaurant sa pangalan SDCC Group of Companies, Inc. Bagong serbisyo na inaasahang magbibigay ng karagdagang kita para sa ating mga kasapi.

4 5. Brand Creation and Development Program

Ang WISE MENTOR brand ng ating kooperatiba ay patuloy na ikinakalat at ipanaliliwang sa mga kasapi, opisyales at kawani. Maging sa pagpili ng mga mamumuno ng ating samahan ay nakabatay sa kung paano isinasabuhay ng mga nais kumandidato ang WISE MENTOR.

Ang SDCC bilang organisasyon, sa pagsasabuhay ng brand na ito ay nanguna sa dalawang malalaking isyu sa taong nagdaan. Ito ay ang paninindigan nating tayo ay “NO to Pork Barrel” at NO to Reclamation. Ito ay upang pangalagaan hindi lamang ang kapakanan ng mga kasapi, kundi ng buong sambayanan.

Ang lahat ng proyektong naisagawa ay nakatulong sa patuloy na pagtatag ng ating kooperatiba, paglaki ng ari-arian, kasapian at higit sa lahat ay ang pagbuti ng kalagayan ng ating mga kasapi.

Para sa 2014 ay patuloy nating pagsisikapan na maisakatuparan ang limang flagship programs na ito. Sa susunod na pahina Lupong Patnugutan ay nakalatag ang mga balaking gawain na nakatuon sa mga programang ito – ang “interplay among the Lead and Lag Indicators by Flagship Program.” Magsisilbing gabay ito sa Lupong Patnugutan, komite at mga kawani sa mahahalagang bagay na dapat maisagawa sa kapakanan ng mga kasapi at komunidad.

Muli, sa ngalan ng lahat ng direktor na bumubuo ng Lupong Patnugutan, ang taos-puso naming pasasalamat sa inyo.

Mabuhay ang San Dionisio Credit Cooperative !

Pagpalain tayo ng Poong Maykapal!

GARIBALDI O. LEONARDO, Ph.D. Tagapangulo

5 APPROVED BOARD RESOLUTIONS FOR 2013 Ang nasabing promosyon/paglilipat ng mga kawani na matatalaga sa Satellite Office ay ipapatupad sa araw na magsisimula ang operasyon ng naturang opisina. January 2013 BR #001 (January 17, 2013-001) – Request of Coop-NATCCO Partylist for Investment Napagkasunduan din na ang ibang kawani ay mapo-promote o maililipat o for the Partylist Campaign Fund kinakailangang mag-hire ng mga bagong empleyado upang punuan ang mga Pinagtibay ng Lupong Patnugutan ang paglalagak ng “investment” sa Coop-NATCCO bagong pinagtibay na posisyon o upang punuan ang bakanteng posisyon bilang Partylist na nagkakahalaga ng Dalawang Milyong Piso (P2,000,000.00) sa loob ng resulta ng operasyon ng Satelllite Office. tatlong (3) taon batay sa mga sumusunod na kondisyon: • Ang unang Isang Milyong Piso (P1,000,000.00) ay may kaukulang tubo na 24% BR #005 (January 19, 2013-004 item #4) – Revised Salary Scale: kada taon; Pinagtibay ng Lupong Patnugutan ang rekomendasyon ni Gng. Lea R. Gomez, HR/ • Ang natitirang Isang Milyong Piso (P1,000,000.00) ay may kaukulang tubo na OD Consultant na pagbabago sa antas ng sweldo ng mga kawani sang-ayon sa 20% kada taon, subalit ang halagang Pitong Daang Libong Piso (P700,000.00) sumusunod: mula sa investment na ito ay ilalaan at gagamiting badyet ng SDCC sa 1. Position Grade Changes: additional subgrades were created as follows: pangangampanya. Position Grade 1 = no change Position Grade 2 = additional subgrade was created (subgrade 2C) Ang naturang aksyon ay ginawa upang suportahan ang mga adhikain ng partylist at Position Grade 3 = no change si Dir. Herminio C. Hernandez bilang ikatlong nominado sa partido. Position Grade 4 = additional subgrade was created (subgrade 4C) Position Grade 5 = no change Ang lahat ng suporta ng SDCC para sa partylist ay makakatulong sa partido upang Position Grade 6 = additional subgrade was created (subgrades 6B and 6C) makakuha ng maraming boto na hindi bababa sa Isang Milyon at Limang Daan 2. Salary Sector (S) Changes: sectors have been expanded from a maximum of (1.5 Million), at upang makamit ang layunin na makakuha ng tatlong puwesto sa S10 to S20. Kongreso. At malaking karangalan sa SDCC kung sakaling makaupo sa puwesto si 3. The above-mentioned changes in subgrades will have an impact on the salary Dir. Hernandez bilang isa sa mga kinatawan ng partido. levels of all positions in SDCC, thus a change in all SLs except those of SL 1 to SL5. BR #002 (January 17, 2013-004 Item #1) – MIS Committee Report re: Recommendation to hire on a project-based a Java Enterprise Developer/ Napagkasunduan din na ang naturang rekomendasyon ay may kinalaman Integrator; Clarification on Member Number Scheme for Founder & Additional MIS sa desisyon ng SDCC na palawakin ang operasyon. Kaugnay nito ay ang Committee Member: pangangailangan sa pagbuo ng mga bagong posisyon. Ang mga pagbabagong ito Pinagtibay ng Lupong Patnugutan ang mga sumusunod na rekomendasyon ng MIS ay ginawa upang mabigyang puwang ang mga marka para sa trabaho na maaaring Committee: mas mataas sa A at B subgrades subalit mas mababa sa susunod na grado. 1. To hire, on a project-based, a Java Enterprise Developer/Integrator, to fast- track the process of integrating the services or applications developed by the BR #006 (January 19, 2013-004 item #5) – Proposed Venue for the 52nd Annual MIS Team. Representative Assembly on March 16, 2013: 2. In order to preserve the SDCC history, in designing and implementing the Pinagtibay ng Lupong Patnugutan na ganapin ang ika-52 Pantaunang Representative member number scheme as previously approved by the Board, the first 28 Assembly sa darating na March 16, 2013 sa SDCC Basketball Court mula sa ganap na numbers will be assigned to SDCC Founders as registered in the registry ika-6:00 ng gabi hanggang ika-9:00 ng gabi. book and the succeeding numbers (29th onward) will be assigned to the members and honorary members, also as registered, regardless of the date BR #007 (January 19, 2013-004 item #6) – Composition of Committees and its of registration. Functions: 3. Appointment of Mr. Orico S. Macatangay and Mr. Noel E. Sandil as additional Pinagtibay ng Lupong Patnugutan ang komposisyon at pangunahing tungkulin ng members of the committee to help in the accomplishment of its tasks. mga sumusunod na komite na nakatala sa ibaba. a.) Amendment Committee – to reconcile provision in the Bylaws and R.A. 9520 to BR #003 (January 17, 2013-004 Item #2) – Committee on Social Services Report, SDCC’s coop practices re: Additional Scheme to Sell tickets 1. Dir. Garibaldi O. Leonardo - Chairperson Pinagtibay ng Lupong Patnugutan ang mga karagdagang pamamaraan hinggil sa 2. Dir. Damaso L. Cruz, Jr. - Vice-Chairperson pagbebenta ng Housing Raffle tickets. 3. Dir. Marjorie P. Ablaza - Member 1. Pagsasagawa ng mga konsultasyon sa mga kasapi hanggang March 2013 4. Dir. Elvira S. Dandan - Member 2. Lahatang pagbebenta ng mga tiket 5. Dir. Alma S. Ferreros - Member 3. Pagtatalaga ng isang booklet kada isang opisyales (sa bawat BOD, 10 tiket ang 6. Dir. Herminio C. Hernandez - Member ikokonsiderang nabenta samantalang sa ibang opisyales ng komite ay 5 tiket 7. Mr. Enrico SB. Capistrano - Member 8. Mr. Renato G. Dela Cruz - Member Approved Board Resolutions for 2013 Resolutions for Board Approved ang ikokonsiderang nabenta). 9. Atty. Melanie O. Guevarra - Adviser/Legal Counsel BR #004 (January 17, 2013-004 item #3) – Staffing at the Satellite Office 10. Ms. Cielito L. Garrido, MBA - CEO & Ex-Officio Member Pinagtibay ng Lupong Patnugutan ang mga sumusunod na rekomendasyong 11. Mr. Noli S. Salvador - Technical Staff nakatala sa ibaba kaugnay ng operasyon ng Satellite Office. I. Pagbuo ng mga sumusunod na posisyon: b.) Program Committee for Flores De Mayo - to facilitate the preparation for the 1. Satellite Operations Manager Position Grade 5B, Salary Level 14, Class 1 celebration of Flores de Mayo 2013 2. Cash Custodian Position Grade 2C, Salary Level 6, Class 1 1. Ms. Elvira S. Dandan - Chairperson 3. Training Assistant Position Grade 2A, Salary Level 4, Class 1 2. Mr. Damaso L. Cruz, Jr. - Member 4. Satellite Operations Assistant Position Grade 2A, Salary Level 4, Class 1 3. Mr. Felipe L. Perida, Jr. - Member 5. Cash Clerk Position Grade 1C, Salary Level 3, Class 1 4. Ms. Evelyn R. Luching - Member II. Kawaning maitatalaga sa Satellite office 5. Ms. Julieta F. Atienza - Member 6. Mr. Normandy G. Jose - Member 7. Ms. Josephine B. Balana - Member 8. Ms. Cielito L. Garrido, MBA - Ex-Officio Member/Technical Staff Staff From To Remarks BR #008 (January 19, 2013-004 item #8) – Education Committee re: Staff Team 1. Maricris DG. Bautista Audit Dept Mgr. Satellite Operations Promotion Building PG5A, SL11, S5, C1 Manager Pinagtibay ng Lupong Patnugutan ang pagsasagawa ng Team Building Seminar P26,560/month PG 5B, S14, S6 max, C1 P3,707/month increase P30,267/month para sa mga kawani na gaganapin sa February 4, 2013, Linggo mula ika-8:00 ng umaga hanggang ika-10 ng gabi batay sa rekomendasyon ng Lupon sa Edukasyon 2. Mary Ann Nunez Teller Acting Cash Custodian for possible promotion at Pagsasanay. PG2B, SL5, S5, C2 PG2C, SL6, S7 max, C1 P17,753/month P19,311/month P1,558/mon. allowance BR #009 (January 19, 2013-004 item #9) – Employees Payroll thru Paycard 3. Minerva Guiwan Teller Teller Transfer Pinagtibay ng Lupong Patnugutan na simula February 15, 2013, ang sahod ng mga kawani ay padadaain sa serbisyo ng SDCC na ATM PAYCARD, gayundin din ang 4. Marilyn Mendoza Teller Teller Transfer rekomendasyon ng CEO na ang P1,000.00 maintaining balance ay hindi magiging sapilitan sa mga kawani. 5. Ferdinand Rabotaso Teller Teller Transfer 6. Evangeline Magdaraog AMO AMO Transfer BR #010 (January 19, 2013-004 item #10) - Granting of Loan to Member based on their Share Capital: 7. Mark Arthur Montes Acct Mgnt Clerk Acct Mgnt Clerk Transfer Pinagtibay ng Lupong Patnugutan ang rekomendasyon ng AMMR Department na pagkakaloob ng utang sa kasaping mangungutang na katumbas ng kanyang 8. Joan C. Nicolas Acct Mgnt Clerk Acct Mgnt Clerk Transfer kabuuang (100%) saping puhunan at deposito kahit siya ay MIGS o HINDI MIGS at kahit wala pa siyang credit limit package sa pasubali na ang kasaping mangungutang ay 9. Evangeline B. Suyat Comelec Clerk Operations Assistant new position (for hiring) (project-base) pipirma sa “Conformity and Authority”, na ang ibig sabihin ay sumasang-ayon at pinapahintulutan niya ang pamunuan ng SDCC na i-write-off ang kanyang account 6 10. VACANT Cash Clerk new position (for hiring) kapag hindi siya nakabayad ng may katumbas na tatlong buwan. 11. Jose Marlon Abella Utility Aide Utility Aide Transfer Napagkasunduan din na ang naturang rekomendasyon ay makakatulong upang mapataas ang pagpapa-utang sa mga kasapi. March 23, 2013 Pinagtibay ng Lupong Patnugutan ang pagdaraos ng SDCC Tiange na may limitadong BR #011 (January 19, 2013-004 item #11) - Proposed Framework of the Pool of bilang ng mga lalahok sa kadahilanang maliit lamang ang lugar na pagdarausan ng Speakers to be named “CO-ED” as recommended by Dir. Herminio C. Hernandez Pangkalahatang Halalan ng SDCC sa March 23, 2013. Ang pagdaraos nito ay bilang Napagkasunduan ng Lupong Patnugutan na isangguni sa EDCOM ang suporta ng SDCC sa mga nagsipagtapos ng SDCC Livelihood projects. rekomendasyon ni Dir. Herminio C. Hernandez. BR #024 (February 21, 2013-007 item #4) - Renewal of appointment of the FEBRUARY 2013 members of the Credit Committee BR #012 (February 12, 2013-001) – Report: HR Consultant Pinagtibay ng Lupong Patnugutan ang renewal ng pagkakatalaga ng mga Napagkasunduan ng Lupong Patnugutan na pag-aaralan pa ni Gng. Lea R. Gomez sumusunod na kagawad ng Credit Committee para sa isa pang taon, April 1, 2013 ang mga tungkulin ng CFS. Kung siya ay magrerekomenda na alisin ang nasabing to March 31, 2014 batay sa rekomendasyon ng Chief Executive Officer, Bb. Cielito L. komite, saka pa lamang papagtibayin ng Lupong Patnugutan ang pag-aalis ng Garrido, MBA. naturang komite. Samantala, ang Executive Committee ay mananatili sa ilalim ng 1) Gng. Zenaida A. Alcantara Lupong Patnugutan. 2) Gng. Josephine B. Balana

3) Gng. Rosalina G. Sapungan Approved Board Resolutions for 2013 Pinagtibay naman ng Lupong Patnugutan ang inirekomendang mga tungkulin ng Board at iba pang mga komite na ipinapaliwanag sa kanilang Terms of Reference Ang mga tungkuling gagampanan ng Credit Committee ay yung mga nakatala sa (TOR). Section 35, Article III, ng SDCC By-Laws. BR #013 (February 12, 2013-002) – Withdrawal from Membership in Planong BR #025 (February 21, 2013-007 item #5) - Audit Report Damayan Pinagtibay ng Lupong Patnugutan ang mga rekomendasyon ng Audit Committe na Pinagtibay ng Lupong Patnugutan ang kahilingan nina G. Jaime Rivera at Bb. Maribeth nakatala sa ibaba. Hongria na pagtiwalag sa Planong Damayan batay sa iba’t ibang kadahilanan. 1. Compliance Audit • to have a clear policy, procedure and control on sponsorship and donations. BR #014 (February 12, 2013-003) – Coop NATCCO Partylist request of support • to have a thorough evaluation and validation of member status before loan Napagkasunduan ng Lupong Patnugutan na kuhanin ang pag-apruba ng R.A. hinggil restructuring; if the members are not able to pay, write ff the account. sa rekomendasyon ni G. Noli Salvador, Campaign Manager, na gamitin ang istruktura 2. Account Managament System ng PT para sa pangangampanya sa kandidatura ni Dir. Herminio C. Hernandez para • Review the Account Officers assignment per members account. The basis sa naturang partido. of assigning members must conform on the results on build up of Account Management & Members BR #015 (February 12, 2013-004 item #1) – NATCCO 12th Coop Leaders’ Congress & Relationship Management. 36th General Assembly • Recommending to assign members account per AO’s to be able to produce Pinagtibay ng Lupong Patnugutan na magpadala ng tatlong (3) delegado sa naturang Daily Collection Schedule. assembliya sa darating na April 13-14, 2013, Sabado at Linggo na gaganapin sa Park • The AO’s, in coordination with the EDCOM, should start identifying members Inn Raddison Hotel & SMX Convention Center, Davao City. Ang pangalan ng mga whose standard of living upon membership with the Coop were uplifted. ipapadala ay tutukuyin matapos ang organizational meeting sa March 27, 2013. 3. Audit of Cash • Reclassify the entries of some investment to cover the under funded BR #016 (February 12, 2013-004 item #2) – CLIMBS 41st Annual General Assembly amounts of Statutory Funds and Mutual Benefit Funds Payable instead of on April 26-27, 2013 / Friday & Saturday at Radisson Blu, Sergio Osmena Blvd., Cebu additional placement. City • Restricted or specified from the investment the Liquidity Reserve Fund, at Pinagtibay ng Lupong Patnugutan na magpadala ng isang (1) delegado kasama ni least 2% of total deposit as of December 31, 2012. Dir. Elvira S. Dandan na kasalukyang Kagawad ng Lupong Patnugutan ng CLIMBS. • Prepare or have a clear policy, procedure, guidelines and control on Investment Program. BR #017 (February 12, 2013-004 item #3) – MSCB • Reclassify the remaining balance of Optional Fund-Land and Building Fund Pinagtibay ng Lupong Patnugutan ang kahilingan ng MSCB na ayusin ang pinagtibay to Reserve Fund to fully return the operational fund used in purchasing lot. ng Lupon hinggil sa alokasyon ng dibidendo at balik tangkilik sa pamamagitan ng pagkuha ng kompirmasyon/resolusyon ng Lupon blg. 2012-092 na inilathala noong BR #026 (February 21, 2013-007 item #6) – MSCB July 27, 2012 sa pamamagitan ng pagsusumite ng notarized Secretary Certificate. Pinagtibay ng Lupong Patnugutan na hayaan na ang Chief Executive Officer Cielito L. Garrido, MBA, ang magdesisyon hinggil sa kahilingan na sponsorship ng MSCB BR #018 (February 12, 2013-004 item #4) – PqCUC Foundation para sa kanilang seminar-workshop na pinamagatang “The Role of the Pinagtibay ng Lupong Patnugutan na ipadala ang mga sumusunod na opisyales Cooperative Sector in Social and Community Development.” na nakatala sa ibaba upang makilahok sa programang Lakbay Aral ng PqCUC sa Rehiyon ng Bicol sa darating na February 17-19, 2013. BR #027 (February 21, 2013-007 item #7) –Coop-NATCCO Network 1. Ms. Marjorie P. Ablaza - Director Pinagtibay ng Lupong Patnugutan na ikonsidera ang ikalawang pagsasagawa ng 2. Mr. Normandy G. Jose - Chairperson, Edcom pagsasanay na gaganapin sa buwan ng Oktubre 2013 sa halip na magpadala ng 3. Ms. Nonila S. Santos - Vice-Chairperson, Edcom delegado sa Quebec, Canada sa April 27 hanggang May 8, 2013. 4. Ms. Helen M. Jayalin - Secretary, Edcom 5. Ms. Evelyn R. Luching - Member, Edcom BR #028 (February 21, 2013-007 item #8) – NATCCO Consultancy and Management Pinagtibay ng Lupong Patnugutan ang mungkahing pagbabago sa polisiya ng pag- BR #019 (February 21, 2013-006 item A.3) – Executive Committee Report utang na nakatala sa ibaba, batay sa recomendasyon ng NATCCO Consultancy Team Pinagtibay ng Lupong Patnugutan na ang ikalawang palapag ng gusali ng Satellite and the Management, viz: Office ay gagamitin na lamang ng SDCC. From Proposed BR #020 (February 21, 2013-007 item #1) – Credit Committee Report: GENERAL PROVISIONS: GENERAL PROVISIONS: Pinagtibay ng Lupong Patnugutan ang special loan application ng mga kasapi batay sa rekomendasyon ng Credit Committee: Guidelines are to be uniformly Guidelines are to be uniformly implemented implemented to eligible to eligible members/borrowers Amount Interest rate Terms of payment members/borrowers with specific allowable deviations Automation interface shall augment the P1,500,000.00 Purchase a Toyota van for business with 1.0% interest 10 years and corresponding approving workflow procedures stated above. authorities Additional controls in the system shall be P1,600,000.00 Payment of outside obligation (pawnshop, relatives and 7 years Automation interface shall applied to sensitive areas, such as shared- insurance of family) with 1.5% interest augment the workflow access authorities, edit function and etc. procedures stated above. BR #021 (February 21, 2013-007 item #2) - MIS Committee Report The security of the cooperative is more Pinagtibay ng Lupong Patnugutan na hintayin ang resulta ng Consultancy Additional controls in the important than the justified than the justified Program na isinasagawa ng NATCCO kaugnay ng napagtibay nang pamamaraan system shall be applied to credit needs of any individual member. sensitive areas, such as ng pagkwenta ng buwanang hulog sa utang, batay sa rekomendasyon ng Chief shared-access authorities, edit Loans are granted to members based Executive Officer, Bb. Cielito L. Garrido, MBA. function and etc. on capability of repayment at the time of Ang naturang hakbang ay pinagtibay upang maiawasan ang masyadong maraming loan application. Each loan necessitates a pagbabago sa polisiya na maaaring maging sanhi ng pagkalito ng mga kasapi. thorough credit evaluation. BR #022 (February 21, 2013-007 item #3.1) - Proposed mechanics for Sub-leasing To answer the needs of a borrower-member, of SDCC Satellite office. the cooperative needs to evaluate the risk Pinagtibay ng Lupong Patnugutan ang mungkahing batayan na nakalakip sa involved in lending at the time of application pagpapaupa sa Satellite Office at ang kaukulang buwanang upa na P400.00 A loan to members is a privilege rather than kada metro kuwadrado batay sa rekomendasyon ng Committee on Business a right inherent to membership. Development. 7 In order to limit the risk of lending and to BR #023 (February 21, 2013-007 item #3.2) - Livelihood activities on 52nd G.E. On diversify the loan portfolio, the cooperative Napagkasunduan ng Lupong Patnugutan na talakayin ang bagay na ito sa regular has to limit loans to members who are within na pulong sa March 21, 2013. Nagbigay din ng komento ang Board na kung sakaling the geographic area stated in the by-laws magpapadala ng delegado, siya ay dapat regular na kawani na ang ginagampanang Multiple loan availments to each borrower- tungkulin ay may kaugnayan sa mga tatalakayin. member may be allowed provided that the standard set for Capacity Base Lending will BR #042 (March 7, 2013-011) – CMAP General Assembly on April 26, 2013 at Makati not suffer City Pinagtibay ng Lupong Patnugutan na ipadala sina Dir. Alma S. Ferreros bilang opisyal na representate at Gng. Josephine B. Balana bilang kahaliling delegado sa CMAP.

BR #029 (February 21, 2013-008 item #8.1) – Recommendation of AMMR Department BR #043 (March 7, 2013-012 item #1) – Visitors from Sorsogon II Electric Cooperative Pinagtibay ng Lupong Patnugutan ang patagalin pa hanggang December 31, 2013 and Gubat St. Anthony Cooperative ang pagpapatupad ng polisiya sa pagpapahintulot sa mga kasapi na kahit hindi Pinagtibay ng Lupong Patnugutan na ang nasabing kooperatiba ay sasaksihan ang sapat ang halaga ng collateral na makapag-restructure o “add-on” ng kanilang pagsasagawa ng Representative Assembly sa March 16, 2013. utang, batay sa rekomendasyon ng AMMR Deparment. Napagkayarian din na ang naturang rekomendasyon ay makakatulong sa mga BR #044 (March 7, 2013-012 item #2) – Coop-NATCCO Part List kasapi at makapagpapababa ng ating problema sa delinquency. Napagkasunduan ng Lupong Patnugutan na yaman din lamang na ang SDCC ang coordinating center, ito na ang magsagawa ng pagkukusa na magpatawag ng BR #030 (February 21, 2013-008 item #8.1.2) - Termination from Planong Damayan pulong sa lahat ng mga kooperatiba sa Parañaque at ipaliwanag ang lahat tungkol Pinagtibay ng Lupong Patnugutan ang pagtitiwalag sa animnapu’t anim (66) na sa Coop-NATCCO Party List. kasapi sa Planong Damayan sa pasubali na bibigyan sila hanggang March 1, 2013 upang maisaayos ang kanilang obligasyon. Ang sinumang hindi makatupad ay BR #045 (March 21, 2013-012 item #1) - HR/OD Consultant Report tuluyang ititiwalag sa Planong Damayan. Pinagtibay ng Lupong Patnugutan ang Flagship Program na may kaugnayan sa Decision Borders na ipiniresinta ni Gng. Lea Gomez, HR/OD Consultant. BR #031 (February 21, 2013-008 item #8.1.3) - Withdrawal of membership in Planong Damayan of Mr. Marlon D. Nantes BR #046 (March 21, 2013-013 item #1.1) - Asian Credit Union Forum on September Pinagtibay ng Lupong Patnugutan ang kahilingang pagtiwalag sa Planong Damayan 12-14, 2013 at Kathmandu, Nepal ng nabanggit na kasapi. Napagkasunduan ng Lupong Patnugutan na hindi muna magpapadala ng deligado sa nasabing aktibidades matapos analisahin ang posibleng gagastusin. Maaaring BR #032 (February 21, 2013-008 item #8.2) - Report on Number of MIGS and NON- makakuha ng sipi ng mga tatalakayin sa pamamagitan ng kanilang website. MIGS as of December 31, 2012 Napagkasunduan ng Lupong Patnugutan na muling pag-aralan ang polisiya ng MIGS. BR #047 (March 21, 2013-013 item #1.2) - 15thAsian Credit Union Development Education Workshop on June 23-29, 2013 at Bangkok, Thailand BR #033 (February 21, 2013-009 item #9.1.2) - Appointed P.T. Leaders & Redistricting Pinagtibay ng Lupong Patnugutan na ipadala ang CEO, Bb. Cielito L. Garrido, MBA, sa of P.T. 5 nasabing workshop. Pinagtibay ng Lupong Patnugutan ang pagtatalaga ng mga bagong PT Lider at paghahati sa PT 5 sa dalawang magkaibang PT sa kadahilanang masyadong malaki BR #048 (March 21, 2013-013 item #2) - MSCB’s 17th Annual G.A. & Election on June at malawak ang kanyang nasasakop. 8, 2013 at SMX Convention Center, MOA, Pasay City Napagkasunduan ng Lupong Patnugutan na desisyunan ang nasabing agenda sa BR #034 (February 21, 2013-009 item #9.2) - COMELEC Report: Organizational meeting sa March 27, 2013. Pinagtibay ng Lupong Patnugutan na ang magiging basehan ng pagtukoy ng korum sa nalalapit na Representative Assembly sa March 16, 2013 ay ang mga naitatalaga BR #049 (March 21, 2013-014 item #1) - Recommendation of AMMR Department hanggang March 10, 2013 batay sa rekomendasyon ng Election Committee. Inatasan ng Lupong Patnugutan ang tagapamahala na maghain ng kaukulang datus bago ipaskil ang mga pangalan ng mga delingkwenteng kasapi sa bulletin board sa Ang resolusyon ay napagkasunduan dahil sa pagbibitiw sa tungkulin ng ilang Pook- loob at labas ng gusali ng SDCC. Tulungan Lider. BR #050 (March 21, 2013-015 item #3) - Leave of Absence of Ms. Teresita S. Pascua, BR #035 (February 21, 2013-010 item #10.1) - BPI Investment Secretary of Audit Committee, from March 20 – April 20, 2013 Pinagtibay ng Lupong Patnugutan ang paglalagak ng kapital sa BPI sa ilalim ng Maxi- Pinagtibay ng Lupong Patnugutan ang kahilingan ni Gng. Teresita S. Pascua na Saver Account sa pasubali na magsusumite tayo ng Secretary Certificate bilang isa pagliban sa loob ng isang (1) buwan simula March 20 hanggang April 20, 2013, sa kadahilanang aalalayan niya ang kanyang mga apo sa pagbisita sa kanilang mga Approved Board Resolutions for 2013 Resolutions for Board Approved sa mga kinakailangang dokumento. magulang na nasa Dubai. BR #036 (February 21, 2013-010 item #10.2) - Donation for Atty. Allan B. Cos Pinagtibay ng Lupong Patnugutan na magbigay ng simple token na nagkakahalaga BR #051 (March 21, 2013-015 item #4.1) - Lakbay Aral 2013 held last February 17-19, ng Dalawampung Libong Piso (P20,000.00) bilang pagsuporta sa kanyang 2013 in Bicol Region & Batangas kandidatura na ibabawas sa Community Development Fund (CDF). Siya ay Legal Inatasan ng Lupong Patnugutan ang EDCOM na magsumite ng ulat hinggil sa kanilang Counsel ng SDCC. natutuhan sa naturang lakbay-aral na maaaring makatulong o magamit ng SDCC. Ang naturang aksyon ay ginawa sa kadahilanang si Atty. Cos ay isang respetadong BR #052 (March 21, 2013-015 item #4.2) - CDA MC2013-02 Supplemental Rules on tao at tagataguyod ng diwa ng koperatibismo maging sa lungsod ng Masbate. Training Requirements for Coop Officers Inatasan ng Lupong Patnugutan ang EDCOM na bigyan ang mga opisyales ng MARCH 2013 listahan ng mga pagsasanay na kinakailangan nilang madaluhan. BR #037 (March 7, 2013-006) - HR/OD Consultant Report: Pinagtibay ng Lupong Patnugutan na alisin na ang Committee on Financial Stability. BR #053 (March 21, 2013-017 item #1) - Mr. Danilo L. Pilar’s Resignation Letter Napagkasunduan din na hintaying matapos ni Gng. Lea Gomez ang kanyang Napagkasunduan ng Lupong Patnugutan na isangguni ang nasabing isyu sa ginagawang pagkukumpara ng kanyang panukala at ng Flagship Program ng SDCC. Mediation & Conciliation Committee. Ang magiging resulta ay ipapakita/tatalakayin din kay Gng. Mila P. Mendoza, OD Consultant kasama ang Chaiperson at ang CEO para sa karagdagang pagsusuri, BR #054 (March 21, 2013-017 item #2) - Letter from Ms. Annie Mendoza re: sapagkat si Gng. Mendoza ang maghahawak ng ating Strategic Planning. Escalation 5%- 10% on Rental Fee of Satellite Offfice Pinagtibay ng Lupong Patnugutan na sundin na lang muna ang naunang kontrata at BR #038 (March 7, 2013-007 item #1) – Request of Mr. Renato A. Bagalay for tingnan muna ang magiging operasyon ng Satellite Office. Bukas naman ang SDCC termination of enrollment in Planong Damayan sa negosasyon matapos maanalisa ang operasyon ng nasabing opisina. Pinagtibay ng Lupong Patnugutan ang kahilingang pagtiwalag sa Planong Damayan ng nabanggit na kasapi. BR #055 (March 27, 2013-015 item #1) - Dr. Danilo L. Pilar’s Resignation Letter Pinagtibay ng Lupong Patnugutan ang kahilingan ni Dr. Pilar na pagbibitiw sa BR #039 (March 7, 2013-008) – Mediation & Conciliation Committee tungkulin bilang Tagapangulo ng Risk Management Committee, Katuwang na Pinagtibay ng Lupong Patnugutan na ipaubaya sa matalinong pagdedesisyon Tagapangulo ng CBDSS at Tagapangulo ng PT 62. Pinasalamatan din siya ng Lupon ng Chief Executive Officer, Cielito L. Garrido, MBA, ang kahilingan ng komite na sa kanyang boluntaryong serbisyo na ibinigay sa SDCC. magkaroon ng isang lugar para magamit sa pakikipag-usap sa mga kasapi na nangangailangan ng kanilang serbisyo. BR #056 (March 27, 2013-017 item #1) – Ang Ating Koop Partylist Inatasan ng Lupong Patnugutan ang Tagapamahala na siyang makipag-ugnayan BR #040 (March 7, 2013-009) – Coop-NATCCO Network sa naturang Partylist hinggil sa kanilang kahilingang suporta at donasyon para sa Pinagtibay ng Lupong Patnugutan na ipadala si Bb. Cielito L. Garrido bilang isa sa mga kandidatura ng partylist. mag-uulat sa plenaryo. Kasama nya ang tatlo (3) pang delegado na dadalo sa 12th Coop Leaders’ Congress and 36th G.A. sa April 13-14, 2013 sa SMX Convention Center, BR #057 (March 27, 2013-015 item #2) – Gawad Parangal Lanang, Davao City. Napagkasunduan ng Lupong Patnugutan na hindi na muna lumahok sa patimpalak 8 sa ilalim ng kategoryang “Most Outstanding Cooperative” upang mapagtuuan ng BR #041 (March 7, 2013-010) – Asian Credit Union Forum on September 12-14, 2013 buong pansin ang mga programa at proyekto ng SDCC. Subalit lalahok tayo sa ilalim at Kathmandu, Nepal ng kategoryang “Most Outstanding Cooperative Leader” na pagdedesisyunan kung sino ang magiging kandidato sa susunod na pulong. BR #058 (March 27, 2013-024) - Regular Meeting of the Board of Directors Pinagtibay ng Lupong Patnugutan na ang kanilang regular na pulong ay ganapin 5. Cooperative Deposit Insurance System (CODIS) tuwing ika-3 Huwebes ng kada buwan sa ganap na ika-7:00 ng gabi sa SDCC Board Regular Delegate : Dir. Garibaldi O. Leonardo, Ph.D Room. Alternate Delegate: Dir. Marjorie P. Ablaza

BR #059 (March 27, 2013-025) – Appointment of Committee Chairmen and 6. Credit Management Association of the Philippines (CMAP) Members/Bank Signatories Regular Delegate : Dir. Alma S. Ferreros Itinalaga ng Lupong Patnugutan ang mga sumusunod bilang opisyal na Tagapangulo ng Komite at “signatories” para sa ating transakyon sa bangko simula Mayo 1, 2013, Alternate Delegate: Ms. Josephine B. Balana isa mula sa mga “signatories” at isa mula sa mga “co-signers”. 7. Parañaque Chambers of Commerce & Industry (PqCCI) SIGNERS: CO-SIGNERS: Regular Delegate : Dir. Noel E. Sandil, MBM 1. Chairperson 1. Chief Executive Officer Alternate Delegate: Dir. Felipe L. Perida, Jr. Garibaldi O. Leonardo, Ph.D Cielito L. Garrido 8. Parañaque Federation of Credit Cooperative (PqFCC) 2. Vice-Chairperson 2. Satellite Operations Manager Elvira S. Dandan Maricris D. Bautista Regular Delegate : Dir. Elvira S. Dandan Approved Board Resolutions for 2013 3. Treasurer 3. Finance Department Manager Alternate Delegate: Dir. Noel E. Sandil, MBM Rosalina G. Sapungan Vivian D. Alcantara 9. Parañaque City Union of Cooperatives (PqCUC) 4. Director 4. Program Development and Member Marjorie P. Ablaza Support Services Department Manager Regular Delegate : Dir. Herminio C. Hernandez 5. Director Noli S. Salvador Alternate Delegate: Dir. Marjorie P. Ablaza Ma. Nelia Rafaela G. De Leon 10. Philippine Cooperative Center (PCC) 6. Director Alma S. Ferreros Regular Delegate : Dir. Maria Nelia Rafaela G. De Leon 7. Director Alternate Delegate: Dir. Alma S. Ferreros Herminio C. Hernandez 11. Parañaque Development Foundation, Inc. (PDFI) 8. Director Felipe L. Perida, Jr. Regular Delegate : Dir. Raymond Joseph L. Salvador 9. Director 12. Rover Scout of the Philippines Raymond Joseph L. Salvador Regular Delegate : Dir. Felipe L. Perida, Jr. 10. Director Noel E. Sandil, MBM Alternate Delegate: Dir. Raymond Joseph L. Salvador 13. Metro Manila Savings Cooperative (MMSC) BR #060 (March 27, 2013-026) – Appointment of the Board Secretary and Treasurer Napagkasunduan at pinagtibay ng Lupong Patnugutan ang muling paghirang kay Regular Delegate : Dir. Marjorie P. Ablaza Gng. NONILA S. SANTOS bilang Kalihim ng Lupong Patnugutan at kay Gng. ROSALINA G. Alternate Delegate: Dir. Alma S. Ferreros SAPUNGAN bilang Ingat-Yaman, na parehong may isang taong termino, simula Abril 1, 2013 hanggang Marso 31, 2014, at kasalukuyang Tagapangulo ng Lupon sa Pag- 14. Kalakasan Utang hanggang Setyembre 30, 2013. Sa loob ng anim (6) na buwan, ang komite Regular Delegate : Dir. Herminio C. Hernandez ay inaasahang makakapagrekominda ng karagdagang kagawad ng Lupon mula sa mga “under study” Alternate Delegate: Dir. Raymond Joseph L. Salvador 15. National Publishing Cooperative, Inc. (NPC) BR #061 (March 27, 2013-027) - Appointment of Chairmen, Co-Chairmen and Members of the Two (2) Major Committees Regular Delegate : Dir. Felipe L. Perida, Jr. Pinagtibay ng Lupong Patnugutan ang mga namumuno sa dalawang (2) major Alternate Delegate: Dir. Raymond Joseph L. Salvador committees na nakatalaga sa ibaba. 1. COMMITTEE ON BUSINESS DEVELOPMENT AND SOCIAL SERVICES (CBDSS) 16. Cooperative Insurance System of the Philippines, (CISP) Chaired by: Mr. Apolonio M. Mendoza, Jr. Regular Delegate : Dir. Raymond Joseph L. Salvador 1.1 Business Projects & Entrepreneurship (BPE) 1. Co-Chaired by: Ms. Arleen R. Zuluaga Alternate Delegate: Dir. Felipe L. Perida, Jr. 2. Director shepherd: Dir. Marjorie P. Ablaza 17. Parañaque Cooperative Development Council (PCDC) 1.2 Livelihood Programs/Projects (LPP) Regular Delegate : Dir. Garibaldi O. Leonardo, Ph.D 1. Co-Chaired by: Mr. Apolonio M. Mendoza, Jr. 2. Director shepherd: Dir. Felipe L. Perida, Jr. Alternate Delegate: Dir. Raymond Joseph L. Salvador 1.3 Social Services (SS) 1. Co-Chaired by: Ms. Marilou Ferrer 2. Director shepherd: BR #063 (March 27, 2013-028 item B) - Affiliations General Assembly schedules Pinagtibay ng Lupong Patnugutan na ipadala ang mga sumusunod na opisyales at 2. COMMITTEE ON ORGANIZATIONAL STRENGTH (COS) kawani upang dumalo sa G.A. ng iba’t ibang kooperatiba. Chaired by: Ms. Marilyn J. Estrella 1) NATCCO 2.1 Officers, Staff and Organizational Development (OSOD) Re: 12th Coop Leaders’ Congress and 36th General Assembly on April 13-14, 1. Co-Chaired by: Ms. Lucila A. Cruz 2013 at Park Inn Raddison Hotel & SMX Convention Center, Lanang, Davao City. 2. Director shepherd: Dir. Herminio C. Hernandez 1. Dir. Herminio C. Hernande - Regular Delegate 2.2 Pook-Tulungan Development (PTD) 2. Dir. Maria Nelia Rafaela G. De Leon - Alternate Delegate 1. Co-Chaired by: Ms. Margarita Cerrada 3. Vice-Chairperson Elvira S. Dandan 2. Director shepherd: Dir. Alma S. Ferreros 4. Dir. Alma S. Ferreros 2.3 Member Development & Empowerment (MDE) 5. Ms. Cielito L. Garrido, MBA - CEO/guest speaker 1. Co-Chaired by: Ms. Marilyn J. Estrella 6. Mr. Noli S. Salvador - Campaign Manager, Coop NATCCO 2. Director shepherd : Partylist (note: expenses c/o Partylist) BR #062 (March 27, 2013-028 item A) - SDCC Delegates/Representatives in its affiliations 2) Metro Manila Savings Cooperative Pinagtibay ang pagtatalaga ng mga opisyal at pangalawang kinatawan ng SDCC sa Re: 37th Annual General Assembly on April 13, 2013 at Conference Room, iba’t ibang kooperatiba at organisasyong kinaaaniban nito batay sa kagustuhan at Kowloon House, West Avenue, Quezon City. pagkakaroon ng panahon na makadalo sa aktibidades ng organisasyon. Regular Delegate: Dir. Marjorie P. Ablaza Alternate Delegate: Dir. Alma S. Ferreros 1. Metro South Cooperative Bank (MSCB) 3) CLIMBS Regular Delegate : Chairperson Garibaldi O. Leonardo, Ph.D Re: 41st Annual General Assembly on April 26-27, 2013 (Friday & Saturday) at (only one [1] representative is required) Radisson Blu, Sergio Osmena Blvd, Cebu City Regular Delegate: Dir. Elvira S. Dandan (Incumbent Director) 2. National Confederation of Credit Cooperative (NATCCO) Alternate Delegate: Dir. Alma S. Ferreros Regular Delegate : Dir. Herminio C. Hernandez Alternate Delegate: Dir. Maria Nelia Rafaela G. De Leon 4) MSCB Re: 17th Annual General Assembly and Election on June 8, 2013 (Saturday) at 3. CLIMBS SMX Convention Center, MOA, Pasay City. Regular Delegate : Dir. Elvira S. Dandan (Incumbent Director) 1. Chairperson Garibaldi O. Leonardo, Ph.D - Regular Delegate 2. Vice-Chairperson Elvira S. Dandan Alternate Delegate: Dir. Alma S. Ferreros 3. Dir. Marjorie P. Ablaza 4. NCM Mutual Fund of the Phil., Inc. (NCMMFPI) 4. Dir. Maria Nelia Rafaela G. De Leon 9 Regular Delegate : Dir. Elvira S. Dandan 5. Dir. Alma S. Ferreros 6. Dir. Herminio C. Hernandez Alternate Delegate: Dir. Maria Nelia Rafaela G. de Leon 7. Dir. Felipe L. Perida, Jr. 8. Dir. Raymond Joseph L. Salvador 4. Dir. Raymond Joseph L. Salvador - Shepherd Director 9. Dir. Noel M. Sandil, MBM 5. Mr. Garibaldi O. Leonardo, Ph.D - Ex-Officio Member/Chairperson 10. Ms. Cielito L. Garrido, MBA - CEO 6. Ms. Cielito L. Garrido, MBA - Ex-Officio Member/CEO

BR #064 (March 27, 2013-029) - Appointment of the following committees: APRIL 2013 Pinagtibay ng Lupong Patnugutan ang komposisyon ng mga sumusunod na komite. BR #065 (April 25, 2013-019 item #2.2) - Appointment of the following Committees 1) MEDIATION & CONCILIATION COMMITTEE Pinagtibay ng Lupong Patnugutan ang kahilingan ng mga komite na magkaroon ng 1. Ms. Merla G. Calma - Chairperson pangkalahatang oryentasyon sa lahat ng mga opisyales ng SDCC na gaganapin sa 2. Mr. Reynaldo H. Vizcarra - Vice-Chairperson Mayo 9, 2013, 7:00 p.m. sa SDCC Seminar Room. 3. Ms. Lorna S. Pinpin - Secretary 4. Dir. Felipe L. Perida, Jr. - Shepherd Director BR #066 (April 25, 2013-020 item #1) - Committee appointment declined by Ms. 5. Mr. Garibaldi O. Leonardo, Ph.D - Ex-Officio Member/Chairperson Bernardita A. Fernandez and Ms. Annaliza A. Macababbad 6. Ms. Cielito L. Garrido, MBA - Ex-Officio Member/CEO Pinagtibay ng Lupong Patnugutan ang hindi pagtanggap nina Gng. Bernardita A. Fernandez at Bb. Annaliza A. Macababbad ng katungkulan bilang kagawad ng komite 2) ETHICS COMMITTEE sa personal na kadahilanan. Iminumungkahi ng Lupong Patnugutan na si Gng. 1. Ms. Ma. Evelyn R. Garcia - Chairperson Rosalina G. Sapungan ay maging kagawad ng Risk Management/ Financial Stability 2. Ms. Regina T. Orcullo - Vice-Chairperson Committee. 3. Mr. Romeo T. Tinasas - Secretary 4. Dir. Maria Nelia Rafaela G. De Leon- Director Shepherd BR #067 (April 25, 2013-020 item #2) - CEO’s Recommendation: Balik-Eskwela 5. Dir. Felipe L. Perida, Jr. - Director Shepherd Loan 6. Mr. Garibaldi O. Leonardo, Ph.D - Ex-Officio Member/Chairperson Pinagtibay ng Lupong Patnugutan ang muling paglulunsad ng Balik-Eskwela Loan 7. Ms. Cielito L. Garrido, MBA - Ex-Officio Member/CEO na may buwang tubo na 1.25% kapareho ng tubo ng Educational Loan. Nagkomento din ang Lupon na dapat ang makikinabang (estudyante) ng inuutang ay yung mga 3.) ADVISORY COUNCIL kapamilya lamang ng mga kasapi 1. Damaso L. Cruz, Jr. - Chairperson 2. Dr. Arsenio R. Santiago - Honorary Chairperson BR #068 (April 25, 2013-020 item #3) - Selling Scheme proposal for Housing raffle 3. Ms. Asuncion L. Pascual - Vice-Chairperson ticket by Dir. Noel E. Sandil, MBM 4. Mr. Antonio S. Lansangan - Secretary Napagkasunduan ng Lupong Patnugutan na ikonsulta muna sa isang Marketing 5. Mr. Enrico S.B. Capistrano - Member consultant ang mungkahing pamamaraan ng pangongolekta ng bayad sa tiket. 6. Dr. Efrain E. Abracia - Member Iminumungkahi din ng Lupon na ang mungkahing eskema ay maaaring ipaalam sa 7. Mr. Andres G. Buenaventura - Member Pook Tulungan sa pamamagitan ng kanilang mga pulong at kung itutuloy ni Dir. Noel 8. Ms. Angelita P. Gabriel - Member E. Sandil, MBM ang pagbebenta sa tiket sa Purok 7, Multinational Village, ito ay sa 9. Mr. Gregorio D. Ygnacio, Jr. - Member kanyang personal na kapasidad. 10. Mr. Ismael M. Allanigue - Ex-Officio Member 11. Mr. Garibaldi O. Leonardo, Ph.D - Ex-Officio Member/Chairperson BR #069 (April 25, 2013-020 item #4) - Letter from Mendoza’s Re: increase in the 12. Ms. Cielito L. Garrido, MBA - Ex-Officio Member/CEO yearly escalation from 5%-10% on Satellite’s office rental Pinagtibay ng Lupong Patnugutan na bumuo ng Steering Committee upang makipag- 4) RISK MANAGEMENT/ FINANCIAL STABILITY COMMITTEE usap sa pamilya ng Mendoza hinggil sa kanilang kahilingan. 1. Mr. Glenn C. Cruz - Chairperson 2. Ms. Bernardita A. Fernandez - Co-Chairperson Ang Steering Committee ay bubuuin nina: 3. Ms. Josephine Ma. S. Gutierrez - Member 1. Dir. Garibaldi O. Leonardo, Ph. D - Chairperson 4. Mr. Dionisio L. Sope - Member 2. Dir. Elvira S. Dandan 5. Ms. Cielito L. Garrido, MBA - Member 3. Dir. Maria Nelia Rafaela G. de Leon 6. Ms. Perlisa M. Abiog - Member 4. Dir. Herminio C. Hernandez 7. Dir. Maria Nelia Rafaela G. de Leon- Shepherd Director 5. Dir. Raymond Joseph L. Salvador 8. Mr. Garibaldi O. Leonardo, Ph.D - Ex-Officio Member/Chairperson 6. Ms. Cielito L. Garrido, MBA - Secretary 5) COMMITTEE ON BUSINESS DEVELOPMENT & SOCIAL SERVICES Pinagtibay din ang mungkahi ng CEO na kuhain ang karaniwang halaga ng renta 1. Mr. Apolonio M. Mendoza, Jr. - Chairperson sa ibang establisimento sa paligid upang maikompara, na gagawin ng Audit 2. Mr. Marilou C. Ferrer - Co-Chairperson Department sa pangunguna ni Gng. Maricris D. Bautista, na siyang gagamiting 3. Mr. Arleen R. Zuluaga - Co-Chairperson basehan ng gagawing pakikipag-usap sa pamilya ng mga Mendoza. Approved Board Resolutions for 2013 Resolutions for Board Approved 4. Mr. Nenita I. Jose - Member 5. Mr. Evelyn A. Mabag - Member BR #070 (April 25, 2013-020 item #5) - Case of Ms. Leticia M. Zerda, deceased 6. Mr. Annaliza A. Macababbad - Member member 7. Mr. Fernando S. Cortez - Member Pinagtibay ng Lupong Patnugutan na isumite ang mga dokumento sa CLIMBS, subalit 8. Dir. Felipe L. Perida, Jr. - Shepherd Director ito ay nakasalalay sa anumang magiging desisyon ng kumpanya. Anumang kasong 9. Dir. Marjorie P. Ablaza - Shepherd Director kahalintulad nito sa mga sumusunod na mga araw ay tatratuhin ng kapareho nito. 10. Mr. Garibaldi O. Leonardo, Ph.D - Ex-Officio Member/Chairperson 11. Ms. Cielito L. Garrido, MBA - Ex-Officio Member/CEO BR #071 (April 25, 2013-020 item #6) - COOP-NATCCO Partylist: P 1.0 Million Request of investment 6) COMMITTEE ON ORGANIZATIONAL STRENGTH Pinagtibay ng Lupong Patnugutan ang paglalagak ng karagdagang “investment” na 1. Mr. Marilyn J. Estrella - Chairperson nagkakahalaga ng Isang Milyong Piso (P1,000,000.00) na may kaukulang tubo na 2. Mr. Margarita Cerrada - Co-Chairperson 20% at bayaran sa loob ng isang (1) taon. Isinuhestiyon din na hingiin ang suporta 3. Mr. Lucila A. Cruz, Ph.D - Member ng mga kooperatiba na naging bisita ng SDCC na naglakbay-aral sa pamamagitan ng 4. Dir. Herminio C. Hernandez - Shepherd Director pagpapadala sa kanila ng liham. 5. Dir. Alma S. Ferreros - Shepherd Director 6. Mr. Garibaldi O. Leonardo, Ph.D - Ex-Officio Member/Chairperson BR #072 (April 25, 2013-020 item #7) - Additional Scheme for selling of housing 7. Ms. Cielito L. Garrido, MBA - Ex-Officio Member/CEO tickets Iminumungkahi ng Lupong Patnugutan na muling suriin ng komite ang kanilang 7) COMMITTEE ON MANAGEMENT INFORMATION SYSTEM (MIS) rekomendasyon sa kadahilanang maraming “conflicts”. 1. Mr. Orico S. Macatangay - Member 2. Mr. Nathaniel D. Manlangit - Member BR #073 (April 25, 2013-020 item #8) - Clarificatory letter of Cooperative Educators 3. Mr. Alex B. Guiwan - Member (Co-Ed) 4. Dir. Raymond Joseph L. Salvador - Shepherd Director Inatasan ng Lupong Patnugutan ang komite na gawin lamang yung mga kaya ng 5. Dir. Noel E. Sandil, MBM - Shepherd Director mungkahing badyet para sa taong 2013 at kung sakaling sa pagtatapos ng taon 6. Mr. Garibaldi O. Leonardo, Ph.D - Ex-Officio Member/Chairperson ay nakunsumo na ang buong badyet, tinanong ng Lupong Patnugutan kay G. 7. Ms. Cielito L. Garrido, MBA - Ex-Officio Member/CEO Normandy G. Jose, Tagapangulo ng EDCOM, na kung maaaring ikonsidera na ang 8. Ms. Emmy R. Salvador - Technical Staff kanilang serbisyo na walang allowance, na sinang-ayunan naman ni G. Jose. 8) SEARCH AND SELECTION COMMITTEE FOR EDSD BR #074 (April 25, 2013-020 item #9) - Recommendation of EDCOM 1. Ms. Virginia B. Santos - Chairperson Inatasan ng Lupong Patnugutan si G. Normandy G. Jose na tingnan ang listahan ng 2. Ms. Josephine P. Sager - Secretary mga kasapi na maaaring maging kwalipikadong kagawad ng EDCOM. 3. Ms. Mary Jane D. Macapugas - Member 4. Ms. Evangeline G. Magdaraog - Technical Staff BR #075 (April 25, 2013-020 item #10) - Status of resigned PT Leaders, re: CLIMBS 5. Ms. Jerrylyn R. Manalo - Recording Secretary Insurance Pinagtibay ng Lupong Patnugutan na pagbigyan pa ng hanggang Abril 30, 2013 ang 9) CONSTRUCTION COMMITTEE pagpapatala ng mga PT Liders para sa kanilang insurance. Pinagtibay din na ituloy 10 1. Arch. Alfredo S. San Miguel - Member ang pagpapatala ng mga PT Lider na hindi tumalima sa pagpapatala ng kanilang sarili 2. Engr. Alfredo S. Bugayong - Member sa pasubaling SDCC ang ang magiging “beneficiary”. 3. Mr. Gregorio D. Ygnacio, Jr. - Member BR #076 (April 25, 2013-021 item #3) - Policy/guidelines on paid restructured loans Pinagtibay ng Lupong Patnugutan ang pagsasagawa ng Trainer’s Training para sa Pinagtibay ng Lupong Patnugutan ang nakatala sa ibaba na mungkahing polisiya/ mga kagawad ng EDCOM, Speaker’s Bureau at Team 28 na gaganapin sa June 13- mga alituntunin para sa “restructured” loan base sa rekomendasyon ng AMMR 15, 2013 sa Aroma Apartelle, Tagaytay City. Ang buong talakayan ay idodokumento Department. (video) para makapagbigay ang Lupong Patnugutan ng pagkilatis/komento/ • After full payment of restructured loan, member can only avail of loan rekomendasyon para sa lalo pang ikagaganda ng pagsasagawa ng pagsasanay. equivalent to his share capital and total deposit and policy on such loan shall prevail. BR #088 (May 16, 2013-028 item #4) - Report of Committee on Flores de Mayo • Member must establish at least twelve (12) months of good credit record Pinagtibay ng Lupong Patnugutan ang rekomendasyon ng CEO, Bb. Cielito L. Garrido, before he/she can avail of other loans including special type of loan such as MBA, na isara ang opisina sa May 30, 2013 upang magbigay daan sa selebrasyon medicine/consumer loan, balik-eskwela loan, pampasko loan, and others. at preparasyong kinakailangan sa pagiging Hermana Mayor ng SDCC sa taong ito. • Good credit record means twelve (12) monthly payments with no delay after considering five (5) grace period. BR #089 (May 16, 2013-028 item #5) - Report on PCDC Seminar on Parliamentary Procedure held on May 10-11, 2013 at Forum Hall in PAGCOR, Sto.Nino, Paranaque City BR #077 (April 25, 2013-021 item #4) - Credit Committee Recommendation Pinagtibay ng Lupong Patnugutan ang pagkakasunod-sunod ng mga adyenda na

Pinagtibay ng Lupong Patnugutan ang re-package ng credit limit (shadow loan maaring magamit ng SDCC batay sa rekomendasyon ng CEO, Bb. Cielito L. Garrido, Approved Board Resolutions for 2013 value) at loan availment ng isang kasapi na nagkakahalaga ng P1,510,637.18 batay MBA. sa rekomendasyon ng Credit Committee. 1. Call to Order 2. Opening Ceremonies BR #078 (April 25, 2013-023 item #1) - Coop-NATCCO Partylist 3. Roll Call Nangako ang Lupong Patnugutan na sila ay sasama sa rally bilang pagpapahayag 4. Reading and Approval of the Minutes of the Meeting ng kanilang buong suporta sa ikatlong nominado ng Coop-NATCCO Part List, na isa 5. Approval of Agenda naman sa mga nagsipagtatag ng SDCC si Dir. Herminio C. Hernandez. 6. Unfinished Business: • Matters arising from the Previous Minutes MAY 2013 • Report of Board, Committees and Management related to Previous Minutes BR #079 (May 16, 2013-025 item #1.2) - Gawad Parangal 7. New Business Inatasan ng Lupong Patnugutan ang Tagapamahala na asikasuhin ang mga 8. Announcements kinakailangang dokumento hinggil sa nominasyon ni Dir. Elvira S. Dandan para sa 9. Adjournment kategorya ng Most Outstanding Cooperative Leader at isumite ito sa CDA. JUNE 2013 BR #080 (May 16, 2013-026 item #1) - CODIS Re: Insurance Premium for 2012 & BR #090 (June 10, 2013-029 item #1) - Satellite Operational Manuals Liquidity Reserve Deposit Pinagtibay ng Lupong Patnugutan ang ipiniresintang Satellite Operational Manual. Pinagtibay ng Lupong Patnugutan na bayaran na ang Insurance Premium na nagkakahalaga ng P245,015.60. Napagtibay din ang pagdedeposito ng 1% mula sa BR #091 (June 10, 2013-029 item #2) - Opening of depository banks Member Cooperative’s Reserve Fund na nagkakahalaga ng P292,997.80. Pinagtibay ng Lupong Patnugutan ang pagbubukas ng account sa limang (5) nangungunang mga bangko para sa operasyon ng Satellite Office. Napagtibay din BR #081 (May 16, 2013-026 item #2) - PCC General Assembly on June 27-29, 2013 ang mga sumusunod. in Puerto Princesa, Palawan A. Revolving funds Pinagtibay ng Lupong Patnugutan na ipadala ang mga sumusunod na opisyales sa B. Level of approval for savings withdrawal nasabing aktibidades. C. Staff assigned for the opening and closing of the vault 1. Dir. Maria Nelia Rafaela G. De Leon - Regular Delegate 2. Dir. Alma S. Ferreros - Alternate Delegate BR #092 (June 10, 2013-030) - Recommendation for the improvement of Account 3. Ms. Evelyn R. Luching - PCC’s outgoing Board of Director Management System Pinagtibay ng Lupong Patnugutan ang basehan ng Credit Committee sa pag- BR #082 (May 16, 2013-026 item #4) - Recommendation of Screening Committee aanalisa at pag-apruba ng aplikasyon sa pag-utang na may kinalaman sa pagtataas for Sublease ng mga ari-arian na inihahalang bilang kolateral. Ito ay batay sa Zonal Value bilang Pinagtibay ng Lupong Patnugutan na ang mga sumusunod na kasapi ang siyang pinakamababa at Market Valuation bilang pinakamataas na basehan. Samantalang uupa sa espasyo sa Satellite Office batay sa rekomendasyon ng Committee on ang ibang rekomendasyon ay ipinagpaliban ang pag-apruba upang mapag-aralan Business Development and Social Services. pang mabuti at malinawan ang lahat. 1. Gracita Pala - SDCC MEMBER - letter of intent was submitted last May 14, 2012 BR #093 (June 10, 2013-031) - Compliance Audit - She was planning to put a bakery store Napagkasunduan ng Lupong Patnugutan na ikonsidera ang ulat ng komite bilang - First applicant karagdagang impormasyon para sa nakatakdang Strategic Planning sa Hulyo 6-7, - willing to be part of social enterprise 2013 sa SDCC Office. 2. Dra. Maritess Caguiat - SDCC MEMBER - letter of intent was submitted last August 31, 2012 BR #094 (June 10, 2013-032) - Mechanics and Guidelines for Bonus Points - She was planning to put a branch of her dental clinic. Pinagtibay ng Lupong Patnugutan ang mga sumusunod na pamamaraan at - Second Applicant alituntuning nakatala sa ibaba. - member-accredited Dentist of our Coop 1. If the member has a share capital of P15,000 and above as of December 31, 2012, he/she is entitled for 2 points BR #083 (May 16, 2013-026 item #5) - Delegates for CLIMBS Institute for Financial 2. If the member completed the required share capital from January to June Literacy Course “Mission-Driven Social Enterprises for Community Impact” on 2013, he/she is entitled for 2 points. June 6-7, 2013 in Cagayan de Oro City. 3. Any amount deposited by member for him/her to reach P15,000 share capital, Pinagtibay ng Lupong Patnugutan na ipadala sina Dir. Raymond Joseph L. Salvador member is entitled for 2 pts. at CEO, Cielito L. Garrido, MBA, upang dumalo sa nasabing pagsasanay. 4. For every P5,000 additional deposit, member is entitled for 2 pts. BR #084 (May 16, 2013-026 item #5) - Support Fund for Coop NATCCO Partylist’s BR #095 (June 10, 2013-034) - CISP: 39th Annual General Assembly held on June 1, campaign 2013 at Ang Bahay ng Alumni, Magsaysay Avenue corner Balagtas St., UP Campus, Pinagtibay ng Lupong Patnugutan ang pagbibigay ng karagdagang pondo na Diliman, Quezon City – Dir. Raymond Joseph L. Salvador nagkakahalaga ng Isang daang Libong Piso (P100,000.00) na pangsuporta Inatasan ng Lupong Patnugutan ang Tagapamahala na ilahad sa susunod na pulong sa pangangampanya ng Coop-NATCCO Partylist na ibabawas sa Community ang kinita ng mga investment ng SDCC sa iba’t ibang kompanya/kooperatiba Development Fund. kasama ang inaasahang takbo ng pananalapi hanggang December 31, 2013. BR #085 (May 16, 2013-027 item #1) - Financial Statements of February 2013 BR #096 (June 27, 2013-030 item #2) - EDCOM Report Inatasan ng Lupong Patnugutan ang Steering Committee na pag-aralan ang Inatasan ng Lupong Patnugutan ang EDCOM na bigyan sila ng sipi ng video coverage pagpapalawak ng kasapian sang-ayon sa mga sumusunod: dual membership, ng Trainer’s Training na ginanap noong Hunyo 13-¬15, 2013 sa Tagaytay City. Ang corporate account at age limit sa pagtanggap ng kasapi. naturang video ay susuriin ng mga kagawad ng Lupong Patnugutan at tatalakayin sa susunod na pulong. BR #086 (May 16, 2013-028 item #2.2) - Recommendation for additional members of EDCOM BR #097 (June 27, 2013-030 item #3.1) - CLIMBS: Financial Literacy Course, Pinagtibay ng Lupong Patnugutan ang rekomendasyon ni G. Normandy G. Jose na “Mission-Driven Social Enterprises for Community Impact”, held on June 6-7, magiging komposisyon ng EDCOM. 2013 at Cagayan de Oro City – Ms. Cielito L. Garrido, CEO & Dir. Raymond Joseph L. 1. Ofeliza V. Martinez - College Graduate w/ 70 units Masteral / Religious Salvador Educators at DLSU Inatasan ng Lupong Patnugutan ang Committee on Business Development and 2. Belen C. Santos - College Graduate/BSEED Social Services (CBDSS) na magsumite ng ulat hinggil sa katatayuan ng benta ng 3. Evangeline A. Golen - College Graduate/BSEED Housing Project 3 raffle tickets. Samantalang ang lahat ng komite ay obligadong 4. Helen M. Jayalin - College Graduate/BSEED with Masters Degree magsumite ng kanilang ulat kada pulong ng Lupong Patnugutan. 5. Atilano C. Adlawan, Jr. - Veterinary Medicine/Management Consultant BR #098 (June 27, 2013-032 item #1) - Improved Functional Chart of SDCC including 11 BR #087 (May 16, 2013-028 item #2.3) - Proposed Trainer’s Training on June 13-15, sub-committees 2013 at Tagaytay City Pinagtibay ng Lupong Patnugutan ang main functional chart ng SDCC na inilahad ni Gng. Lea R. Gomez, HR/OD Consultant. kawani upang dumalo sa Exploratory meeting sa Hulyo 13-14, 2013 sa Masbate. BR #099 (June 27, 2013-032 item #2) - CARITAS MANILA Re: soliciting donation 1) Mr. Garibaldi O. Leonardo, Ph.D - Chairperson Pinagtibay ng Lupong Patnugutan ang pagbibigay ng donasyon sa nasabing 2) Mr. Herminio C. Hernandez - Dierctor institusyon na nagkakahalaga ng P10,000.00 na ibabawas naman sa Community 3) Ms. Cielito L. Garrido, MBA - Chief Executive Officer Development Fund. 4) Mr. Noli S. Salvador - PDMSS Department Manager BR #100 (June 27, 2013-032 item #3) - Veterans Federation of the Philippines BR #109 (June 27, 2013-032 item #9) - Crecom Report: requesting for computer unit to be used in their operations Pinagtibay ng Lupong Patnugutan ang special loan ng isang (1) kasapi sa halagang Pinagtibay ng Lupong Patnugutan ang pagbibigay ng isang (1) pirasong Notebook Isang Milyon Walong Daang Libong piso (P1,800,000.00) na may tubong 1.0% kada Computer na nagkakahalaga ng hindi hihigit sa P20,000.00 sa nabanggit na buwan batay sa bumababang balanse na babayaran sa loob ng sampung (10) taon organisasyon na suportado ng kasunduan na ang nasabing computer ay gagamitin batay sa rekomendasyon ng Credit Committee. lamang sa kanilang pang-araw-araw na operasyon gaya ng nakasaad sa kanilang kahilingan. BR #110 (June 27, 2013-033 item #3) - Meeting with Mr. Reymar Noriel Pinagtibay ng Lupong Patnugutan na amyendahan ang polisiya ng MIGS partikular sa Ang nasabing halaga ay ibabawas sa Community Development Fund (CDF). katumbas na marka ng share capital o gagawing “PRO-RATA”. A percentage share (“PRO-RATA”) of his/her existing share capital over the required minimum Share BR #101 (June 27, 2013-032 item #4.1) - Proposed schedule of planning & budgeting Capital of P15,000.00, multiplied by the current percentage or score equivalent of for 2014 Share Capital in the MIGS Criteria effective immediately. Pinagtibay ng Lupong Patnugutan ang inilatag na mungkahing skedyul ng pangkalahatang pagpaplano at paggawa ng mungkahing badyet para sa taong Ang nasabing pagbabago ay ginawa upang mabigyan ng konsiderasyon ang mga 2014. kasapi na maging MIGS sa kabila ng kakulangan sa kanyang share capital.

BR #102 (June 27, 2013-032 item #4.2) - Proposed schedule of Strategic Planning JULY 2013 Pinagtibay ng Lupong Patnugutan ang iminungkahing skedyul ng Directional Planning BR #111 (July 8, 2013-038) – Cooperatives to be relevant Phase 2 “Reinforcing A Modern Day SDCC” sa July 6-¬7, 2013 na pagagaanin sa Pinagtibay ng Lupong Patnugutan ang pagtanggap ng mga bagong kasapi mula tulong ni Dr. Mila P. Mendoza, Ph.D, OD Consultant. sa buong Lungsod ng Parañaque at Las Piñas, sa pasubali na ang aplikante ay makakatupad sa lahat ng mga kinakailangan. Kung mayroong kasalukuyang Pinagtibay din ang magkaroon ng panuntunan sa pagsasagawa ng nasabing kooperatiba sa alinmang barangay ng mga nasabing lungsod, ang SDCC, sa aktibidades. pamamagitan ng Lupong Patnugutan, ay susulat sa naturang kooperatiba upang 1. Session will start on time regardless of the number of attendees. ipabatid sa mga opisyales nito na tatanggap na ang SDCC ng mga aplikante mula sa 2. Participants are the key officers consisting of Board of Directors, Committee kanilang barangay. Chairpersons and Department Managers. It is very important that if the Committee Chairperson cannot attend the session, he/she should assign BR #112 (July 8, 2013-039) – PKPTL their Committee Vice-Chairperson to attend the planning. Pinagtibay ng Lupong Patnugutan ang pagbibigay ng insentibo sa mga kasapi na 3. The one attended the 1st day should also be the one to attend the 2nd day of makakapaghikayat ng mga bagong kasapi kahit saang lugar pa nasaklawan ng planning (No Substitution). bagong sasapi. 4. The officer-participant is the one responsible to disseminate the learnings/ matters discussed to his/her committee members. Pinagtibay din ang pagsasagawa ng Mobile PMS kung saan ang CI/BI para sa mga 5. If it’s necessary to extend the planning even beyond 5:00p.m., the Officer- hahabol na aplikante ay maaring gawin sa naturang araw sa pasubali na ang mga participant is willing to stay and participate. aplikanteng ito ay papayagan lamang na makapagbukas ng account matapos ang 6. Officer-participant who leaves at the middle of the session is responsible to kumpletong ulat ng CI/BI at walang anumang negatibong resulta na ang aplikante ay catch up for the matters discussed when he/she is no longer around. hindi naipasa mula sa mga hinihingi ng pagiging kasapi. Kahit siya ay nakadalo na 7. All cellphones must be in silent mode. sa PMS, ang kanyang aplikasyon ay maaaring hindi maaprubahan at ang kanyang 8. Avoid unnecessary going in and out of the room. ibinayad na seminar fee ay ibabalik sa aplikante. 9. Everyone is requested to actively participate in the activities. BR #113 (July 8, 2013-040) – Concept of BEEF (Business, Employment, Education, BR #103 (June 27, 2013-032 item #4.3) - Incident report security guard Food) Pinagtibay ng Lupong Patnugutan na huwag nang ikonsidera ang mosyon na Inatasan ng Lupong Patnugutan ang Committee on Business Development and malalim na imbestigasyon, sa halip ay pagkasunduan o sang-ayunan ang aksyon Social Services na gumawa at magsusumite ng mga pamamaraan para sa nasabing na ginawa ng CEO hinggil sa bagay na ito. konsepto.

Approved Board Resolutions for 2013 Resolutions for Board Approved BR #104 (June 27, 2013-032 item #4.4) - Planong Damayan: List of Members BR #114 (July 8, 2013-043) – Assessment on Membership Roll-Out and Training of recommended for termination Trainers. Pinagtibay ng Lupong Patnugutan ang pagtitiwalag sa limampu’t tatlong (53) na Hinilingan ng Lupong Patnugutan ang EDCOM na magsumite ng kanilang ebalwasyon kasapi sa Planong Damayan batay sa rekomendasyon ng Account Management/ hinggil sa isinagawang Roll-out at pagsasanay. Member Relations Department . AUGUST 2013 BR #105 (June 27, 2013-032 item #4.5) - Request of the three (3) members for BR #115 (August 1, 2013-030 item #1.1.1) – CLIMBS: Financial Literacy Course, termination of their Planong Damayan Membership “Mission-Driven Social Enterprises for Community Impact”, held on June 6-7, Pinagtibay ng Lupong Patnugutan ang kahilingang pagtiwalag sa Planong Damayan 2013 at Cagayan de Oro City – Ms. Cielito L. Garrido, CEO & Dir. Raymond Joseph L. ng tatlong (3) kasaping nakatala sa ibaba. Salvador Pinagtibay ng Lupong Patnugutan ang pagbibigay ng pinansyal na insentibo sa 1. July L. Sevilla mga ahente ng Housing Raffle tiket na katumbas ng sampung porsyento (10%) ng 2. Rosendo Enriquez halagang kanyang ibabayad simula August 7 hanggang sa pinakahuling pagbola. 3. Jocelyn Enriquez Gayun din naman ay bibigyan din ng karagdagang limang porsyento (5%) na pinansiyal na insentibo mula sa naibayad ng ahente bago sumapit ang August 7, BR #106 (June 27, 2013-032 item #5) - Lifting of Age Limit for Membership 2013 at nakakuha na ng dating iskema na isang (1) libreng tiket kada dalawampung Pinagtibay ng Lupong Patnugutan ang pag-aalis limitasyon sa edad ng mga gustong (20) pirasong tiket na naibenta at nabayaran na. sumapi at ito ay agarang ipapatupad. Napagtibay din na kapag naipatupad na ang pagbibigay ng pinansiyal na insentibo BR #107 (June 27, 2013-032 item #6) - Acceptance of Membership thru Companies ang lumang iskema na libreng tiket sa kada 20 piraso na maibebenta ay WALA NG Pinagtibay ng Lupong Patnugutan “in principle” ang pakikipag-ugnayan sa iba’t ibang BISA. kompanya sa pasubali na ito ay nasaklawan ng mga sumusunod na alituntunin. 1. MOA between SDCC and Companies will be executed Napagkasunduan din na magpatawag ng pulong sa mga Tagapangulo ng Pook 2. Company should be duly registered or with a long term lease in Parañaque Tulungan sa August 6, 2013 upang talakayin ang bagay na ito para sa kanilang City kalinawan at matalakay ang inpormasyon sa mga kasaping kanilang nasasakupan. 3. Applicant must be residing and working within Parañaque City 4. Applicant is working within Parañaque City but residing within the sphere of BR #116 (August 1, 2013-030 item #2) – EDCOM Update Report on the seminar held operation of SDCC as stated in the By-Laws. and to be conducted for Members 5. Applicant is a resident of Manuyo 1 and 2 Inatasan ng Lupong Patnugutan ang Tagapamahala na tanungin ang EDCOM hinggil 6. Will accept membership in La Huerta and Don Galo provided a dialogue was sa katatayuan ng pamamaraan kung paano pa mapapaganda ang pagsasagawa made between SDCC and the coop in their area. ng mga pagsasanay. 7. Loanable amount of applicant will be limited to Net Salary loan only payable within 12 months thru salary deduction. BR #117 (August 1, 2013-031 item #1) – Mediation & Conciliation Committee schedule 8. SDCC will provide commission to the company’s HR personnel who will handle of consultations the salary deduction of loan payment Napagkasunduan ng Lupong Patnugutan na tatalakayin pa ito sa Mid-Year Evaluation sa August 3, 2013. Hiniling din ng CEO, Cielito L. Garrido, na muling talakayin ang 12 BR #108 (June 27, 2013-032 item #7) - Proposal from Atty. Allan B. Cos “Masbate Decision Borders at Flagship Programs sa naturang pagpaplano. Project” Pinagtibay ng Lupong Patnugutan na ipadala ang mga sumusunod na opisyales at BR #118 (August 1, 2013-031 item #2) – COOP NATCCO NETWORK: 2nd Batch of Travel to Quebec on September 27 – October 6, 2013 San Dionisio Board of Directors Napagkasunduan ng Lupong Patnugutan na hindi na muna magpadala ng Pinagtibay ng Lupong Patnugutan ang mga sumusunod na nominado para sa delegado sa nasabing aktibidades sa kadahilanang tayo ay nagtitipid at madaming taunang pagpupulong ng mga kamay-ari ng korporasyon na gaganapin sa Escuela aktibidades ang SDCC. De San Dionisio sa August 23, 2013. A. Academe Ranking BR #119 (August 1, 2013-032 item #1) – Update Report on meeting attended Re: 1. Evelyn R. Luching 1 Reclamation Area 2. Asuncion L. Pascual 2 Pinagtibay ng Lupong Patnugutan ang mungkahi ni Dir. Felipe L. Perida, Jr. na 3. Carmelita C. Sabino 3 magpalipas muna ng dalawang (2) buwan bago tumanggap ng bagong kasapi mula sa Silverio Compound. B. Member-at-Large 1. Herminio C. Hernandez 1 BR #120 (August 1, 2013-032 item #2) – Request of Mr. Jomar Cabintory for 2. Zenaida A. Alcantara termination of his Planong Damayan Membership Pinagtibay ng Lupong Patnugutan ang kahilingang pagtiwalag sa Planong Damayan BR #133 (August 1, 2013-040 item #3) – CDA Gawad Parangal Search awarding

ng nabanggit na kasapi. ceremony on July 25, 2013 at TESDA Women’s Center, Taguig City Approved Board Resolutions for 2013 Binati ng Lupong Patnugutan ang Pangalawang Tagapangulo, Gng. Elvira S. Dandan, BR #121 (August 1, 2013-032 item #3) – Report on PAR as of June 30, 2013 sa kanyang pagkakapanalo bilang “Most Outstanding Cooperative Leader” sa NCR Hinilingan ng Lupong Patnugutan ang Tagapamahala na ilahad ang buod ng mga ulat sa kakatapos pa lamang na CDA Gawad Parangal Search. ng mga pagkaka-utang na bumaba dahil sa ang kasapi ay NON-MIGS. BR #134 (August 1, 2013-040 item #5) – Accreditation under DBP’s Wholesale BR #122 (August 1, 2013-032 item #4) – Financial Statements of April 2013 Banking Hiniling ng Lupong Patnugutan ang presensya ng Satellite Operations Manager sa Napagkasunduan ng Lupong Patnugutan na hindi lumahok sa nasabing panukala. mga pulong ng lupon. BR #135 (August 6, 2013-044) – Committees Plans and Programs for 2013 BR #123 (August 1, 2013-032 item #8) – MIGS and NON-MIGS Report as of June 2013 Napagkasunduan ng Lupong Patnugutan na ang mga sumusunod na komite ay Napagkasunduan ng Lupong Patnugutan na hilingin sa PKPTL na pag-aralan ang magkonsentra sa mga gawaing nakatala sa ibaba. epekto o katugunan ng pagkakahati-hati ng mga Pook-Tulungan. At ang posibilidad na ibalik sa dating pamamaraan ng pagsasagawa ng R.A. 1. Committee of Business Development and Social Services • 2014 - icd-SCOPE with the concept of “from retail to wholesale” depending BR #124 (August 1, 2013-033) – Invitation to Bid on the development of central warehousing at the public market, a project Pinagtibay ng Lupong Patnugutan ang inihatag na imbitasyon para sa mga gustong of LGU. sumali sa ‘invitation to bid” para sa pagpapabubong ng Basketball court ng SDCC, na • Housing Raffle Ticket – 2013, to submit activities for extensive marketing inihain ng CEO Cielito L. Garrido, MBA, at ipaskil ito sa SDCC bulletin board. campaign “outside SDCC” • BEEF Project – 2013, a clear plan submitted for Board approval and in 2014 BR #125 (August 1, 2013-034) – MIS Committee Recommendation ready for implementation Pinagtibay ng Lupong Patnugutan ang pagtatalaga kay G. John Sope bilang • Emergency Team – 2013, a clear plan submitted for Board approval and in panauhing kasangguni ng MIS Committee batay sa rekomendasyon ni G. Orico S. 2014 ready for implementation. Macatangay, Tagapangulo ng Komite. 2. Committee on Financial Stability • Since projects for the improvement of Accout Management are on-going, BR #126 (August 1, 2013-035) – CODIS Evaluation on SDCC on August 29-31, 2013 just continue with those projects. Pinagtibay ng Lupong Patnugutan ang skedyul ng CODIS validation para sa SDCC sa 3. Committee on Organizational Strenght -PKPTL – EDCOM August 29-31, 2013 na may kaukulang bayad na P75,000.00. Final output for 2013: a) Formulation of criteria for quality applicants BR #127 (August 1, 2013-036) – ANCOOP Global Walk 3 on August 25, 2013 b) Formulation of criteria for quality membership Napagkasunduan ng Lupong Patnugutan na hindi na muna lumahok sa nasabing c) Formulation of criteria for healthy Pook-Tulungan (PT) aktibidad sa kadahilanang maraming gawain sa kasalukuyan ang SDCC. 4. Education and Traning Committee • Final output for 2013: BR #128 (August 1, 2013-037) – MASS-SPECC CLUSTER PARTNERS Memorandum of a) Who are the leaders and for which competencies (positions)? Agreement (MOA) on Co-op Education and Training/Trainer’s Training b) Interest vs competency (TNA) in light not just as a Committee members Pinagtibay ng Lupong Patnugutan ang partnership sa pagitan ng SCC at Mass-Specc, but Director in the future bilang ang SDCC ay piling “cluster-partner” sa pagsasagawa ng “off-line e-learning” c) Evaluation of trainings conducted ng Mass-Specc. 5. PKPTL • For 2013, to sumbit a study on the possibility of going back to old clustering Napagtibay din na ang SDCC ay makikipag-ugnayan sa UMMC at/o PqCUC kung of PTs and of conducting R.A. kinakailangan. 6. Election Committee BR #129 (August 1, 2013-038) – Resolution for loan papers – for Lipa, Batangas For 2013: Registry of Deeds • System to identify potential leaders among the members before the Pinagtibay ng Lupong Patnugutan ang pagbibigay ng pahintulot sa mga sumusunod nomination na kawani na pumirma sa loan note, real estate mortgage at iba pang dokumento • Election Manual na may kaugnayan sa pag-utang ng mga kasapi. • Wise Mentor in the Election Rule 1) Bb. Cielito L. Garrido, MBA - Chief Executive Officer BR #136 (August 6, 2013-045) – Search & Selection Committee for EDSD Report 2) Gng. Maricris D. Bautista - Satellite Operation Manager Pinagtibay ng Lupong Patnugutan na gamitin ang parehong eskema na ginamit 3) G. Nelson D. Yeban, Jr. - AMMR Department Manager noong nakaraang taon, subalit para sa kaso ni Gng. Lina Perez na NON MIGS at ang 4) Gng. Evangeline G. Magdaraog- Account Management Officer kanyang account ay kasalukuyang nang hinahawakan ng ating Legal Counsel, binigyan siya ng Lupong Patnugutan ng markang “zero”. Ang mga boto na nakalaan BR #130 (August 1, 2013-039) – MSCB- Request for Additional Equity sa kanya noong nakaraang taon ay hahati-hatiin sa lahat ng mga nominado base Pinagtibay ng Lupong Patnugutan na gawing P10,000,000.00 mula sa P7,696,651.75 sa matalinong paghahati-hati ng CEO, Bb. Cielito L. Garrido, MBA. Samakatuwid, ang ang Equity Investment ng SDCC sa MSCB batay sa rekomendasyon ng CEO, Cielito L. boto ng SDCC na kakatawanin ni Dr. Garibaldi O. Leonardo, Chairperson at kinatawan Garrido, MBA. ng SDCC ay ang mga sumusunod. Mga Direktor Katumbas na boto Ang nasabing aksyon ay ginawa upang matulungan ang MSCB na malikom ang 1. G. Perseverando L. Cruz 6,151 kinakailangang pondo na hinihingi ng Bangko Sentral ng Pilipinas at kumita ang SDCC 2. G. Herminio C. Hernandez 5,267 mula sa mga sobra nitong pondo. 3. Gng. Evelyn R. Luching 4,392 4. Bb. Carmelita C. Sabino 3,516 BR #131 (August 1, 2013-040 item #1) – PKPTL Report: Result of their Regular Meeting 5. Gng. Zenaida A. Alcantara 2,634 with District Leader held on May 20, 2013 and result of Medical/Dental Mission 6. Bb. Helen M. Jayalin 1,759 Pinagtibay ng Lupong Patnugutan ang pagbibigay ng P100.00 na pinansiyal na 7. Gng. Lina H. Perez 0 insentibo kada bagong kasapi na nahikayat mula sa buong lungsod ng Parañaque 8. Bb. Asuncion L. Pascual 883 at Las Piñas. 9. Bb. Josephine P. Sager 883 25,485 Napagtibay din ang pagsasagawa ng CI/BI sa mga huling aplikante sa araw mismo ng mobile PMS. Subalit dapat maging malinaw sa mga aplikante na sila ay dapat BR #137 (August 6, 2013-046) – Accreditation in the City Development Council of sumailalim sa kumpletong proseso ng CI/BI at makakapag bukas lamang sila ng Paranaque City account sa SDCC matapos ang CI/BI at walang diskwalipikasyon na nakita ukol sa Pinagtibay ng Lupong Patnugutan na ang SDCC ay mag-apply ng akredetasyon sa kanila. City Development Council ng Paranaque City. Itinala rin ang ulat hinggil sa resulta ng Medical/Dental Mission na ginanap noong Pinagtibay din na sina CHAIRPERSON, GARIBALDI O. LEONARDO, Ph.D at/o CHIEF July 19, 2013 sa San Agustin Health Center. EXECUTIVE OFFICER CIELITO L. GARRIDO, MBA ang magiging opisyal na kinatawan ng 13 SDCC sa nasabing konseho. BR #132 (August 1, 2013-040 item #2.4) – Final Result of the Selection of Escuela De Binigyan din ng pahintulot ng Lupong Patnugutan ang mga opisyal na kinatawan na Isang Milyon at Tatlong Daang Libong Piso (P1,300,000.00) na may tubong 1.0% kada irepresinta, bumoto at maiboto sa anuman posisyon o komite at aktibong makilahok buwan batay sa bumababang balanse na babayaran sa loob ng pitong (7) taon sa mga gawain ng nasabing konseho. batay mga tuntunin at kondisyong na ini-endorso ng Credit Committee.

BR #138 (August 15, 2013-044 item A.1) – CLIMBS: Financial Literacy Course, BR #149 (August 15, 2013-051) - CIS Bayad Center Franchise Renewal “Mission-Driven Social Enterprises for Community Impact”, held on June 6-7, Pinagtibay ng Lupong Patnugutan ang renewal ng franchise ng SDCC sa CIS Bayad 2013 at Cagayan de Oro City – Ms. Cielito L. Garrido, CEO & Dir. Raymond Joseph L. Center. Salvador Napagkasunduan ng Lupong Patnugutan na hingiin muna ang opinyon ni Gng. Ellen BR #150 (August 22, 2013-049 item #1.1 to 1.3) - Relaunching of Character Loan, Mantalaba hinggil sa kasalukuyang problema tungkol sa Housing Project 3 bago Change in terms of payment of Pang-pasko Loan and Relaunching of Calamity Loan hingiin ang opinyon ng CDA. Pinagtibay ng Lupong Patnugutan ang muling paglulunsad ng Characte Loan at Calamity Loan, gayun din ang pagbabago ng termino ng pagbabayad ng Pang-Pasko BR #139 (August 15, 2013-045 item #1) – OPERATIONAL REPORT: loan sang-ayon sa polisiya/mga alituntunin na inihain at binago. Pinagtibay ng Lupong Patnugutan ang paglalagak ng karagdagang investment sa mga sumusunod na kooperatiba at/o institusyon sang-ayon sa sumusunod na Napagtibay din na ang mga nasabing klase ng utang ay maaaring mautang ng pamamaraang nakatala sa ibaba. sabay-sabay kahit may kasalukuyang regular na utang sa pasubali na ang Debt-to- 1. CLIMBS - P10,000,000.00 at 6% p.a. under Preferred Shares income (DTI) ratio ng kasaping uutang ay hindi lalagpas sa 65%, at nasasakop ng 2. NATCCO - P10,000,000.00 at 7% p.a. polisiya/mga alituntunin ng bawat klase ng utang. 3. PAMI (Option A) for total of P20M • NCM Mutual Fund - P12,000,000.00 Napagtibay din na ang paglulunsad ng Calamity Loan ay ipapatupad agad, subalit • PAMI Strategic Fund (PSF) - P 8,000,000.00 ang Character at Pang-Pasko Loan ay ipapatupad simula sa Setyembre 1, 2013. Napagtibay din na kukonsultahin muna ang CLIMBS kung kaya nilang maibigay ang BR #151 (August 22, 2013-049 item #2) - The following concept papers were 7% tubo para sa investment, kung kakayanin ng CLIMBS ay itutuloy sa kanila ang presented and copies were given to all Directors. paglalagak. Subalit kung hindi ay sa susunod na pagkakataon na maglalagak sa Napagkasunduan ng Lupong Patnugutan na bigyan ng kopya ng concept papers kanila ang SDCC sa ilalim ng “common shares”. Ang halagang nakalaan para sa na akma sa bawat komite para sa kanilang pagpaplano sa taong 2014. At ito ay CLIMBS ay isasama sa halagang nakalaan para ilagak sa NATCCO. papagtibayin ng Lupong Patnugutan sa kanilang regular na pulong sa darating na Setyembre 2013. Napagtibay din na tanggalin na ang taning na dalawang (2) buwan na paghihintay bago tumanggap ng mga bagong kasapi sa Silverio Area. BR #152 (August 22, 2013-049 item #3) - SDCC’s official stand on PDAF issue/ scandal BR #140 (August 15, 2013-045 item #1.1) – Summary of expenses/investments Pinagtibay ng Lupong Patnugutan na ang San Dionisio Credit Cooperative ay incurred during: susuporta sa malawakang pag-iingay na tanggalin ang PDAF sa pamamagitan ng Pinagtibay ng Lupong Patnugutan na ang investment sa Satellite Office ay pagsama sa malakihang pamamahayag ng pagtutol na gaganapin sa Luneta Park i-aamortized sang-ayon sa itinakdang panahon/taon. sa Agosto 26, 2013. Ang imbitasyon ay ipapaabot sa lahat ng tagapangulo ng PT, • Fit-out - 20 years mga Kawani at Opisyales ng SDCC. • Furnitures, Fixtures and Office Equipment - 10 years BR #153 (August 22, 2013-049 item #4) - Secretary Certificate for Satellite Office BR #141 (August 15, 2013-045 item #2) - Concept Papers re: depository banks Napagkasunduan ng Lupong Patnugutan na ibigay sa Committee on Business Pinagtibay ng Lupong Patnugutan na pahintulutan ang pagdedeposito ng tseke, Development and Social Services ang mga sumusunod na concept paper upang mga bayad na gamit ay tseke na gamitin ang maikling pangalan ng kooperatiba pag-aralan at magsumite ng rekomendasyon. tulad ng SDCC, SDCCI, San Dionisio Credit Coop sa CA/SA account ng kooperatiba sa 1. BEEF prepared by Dr. Garibaldi O. Leonardo, Chairperson kanyang mga bangkong pinaglalagakan. 2. icd-SCOPE prepared by Dr. Garibaldi O. Leonardo, Chairperson BR #154 (September 19, 2013-044) - Committee Plans and Programs for 2014 BR #142 (August 15, 2013-045 item #2.3) - Allowance for SDCC Volunteers prepared Pinatibay ng Lupong Patnugutan ang “Inteplay among the Lead and Lag Indicators by Engr. Raymond Joseph L. Salvador - Director and Ms. Cielito L. Garrido, MBA – CEO by Flagship Program”. Napagkasunduan ng Lupong Patnugutan na ibigay sa Committee on Organizational Strength ang mga sumusunod na concept paper upang pag-aralan at magsumite BR #155 (September 26, 2013-053 item #1.A.4) - Summary of expenses/ ng rekomendasyon. investment incurred: 1. Allowance for SDCC Volunteers prepared by Engr. Raymond Joseph L. Napagkasunduan na muling sulatan ang Sons & Leon Mendoza Enterprises upang Salvador- Director and Ms. Cielito L. Garrido, MBA – CEO ipabatid sa kanila na ipapagawa ng SDCC ang mga sira sa opisina ng Satellite at ang Approved Board Resolutions for 2013 Resolutions for Board Approved anumang gagastusin ay ibabawas na lamang sa bayad ng buwang upa ng SDCC sa BR #143 (August 15, 2013-045 item #3) - Misrepresentation by an applicant for naturang kumpanya. membership, Ms. Lilibeth N. Mateo Inatasan ng Lupong Patnugutan ang Tagapangulo ng PKPTL na kausapin si G. Nelson BR #156 (September 26, 2013-053 item #1.A.5) - Concept paper on Allowance for Bunol tungkol sa nasabing insidente. SDCC Volunteers prepared by Engr. Raymond Joseph L. Salvador- Director and Ms. Cielito L. Garrido, MBA – CEO BR #144 (August 15, 2013-046) - 4th National Coop Teamshop in Davao City, Inatasan ng Lupong Patnugutan ang Committee on Organizational Strength na pag- November 12-14, 2013 aralan ang polisiya sa pagbibigay ng “representation allowance” na ginawa noong Pinagtibay ng Lupong Patnugutan na hindi na muna magpadala ng delegado sa Abril 2009 at ilakip ito sa “concept paper” na nakatala sa itaas. Teamshop, sa halip ay damihan na lang ang ipapadala sa aktibidades na gagawin ng BR #157 (September 26, 2013-054 item #1.1) - Report of the CEO: University of Asia and the Pacific at NCM Century Coops. Pinagtibay ng Lupong Patnugutan ang mungkahing pagbabago sa polisiya tungkol BR #145 (August 15, 2013-047) - Leave of Absence of Dir. Herminio C. Hernandez sa tardiness ng mga empleyado. Pinagtibay ng Lupong Patnugutan ang kahilingan ni Dir. Herminio C. Hernandez na FROM TO pagliban sa loob ng isang (1) buwan simula Agosto 15 hanggang Setyembre 11, 2013 In the SDCC Personnel Policies re: Disciplinary Action on Tardiness under Group B, to quote: upang makapag-pahinga ng mabuti matapos siyang maospital noong Agosto 6, Number of Tardiness for more than five (5) An employee who had been late for 5 times in a sanhi ng komplikasyon ng kanyang sakit na diabetes. times in a month: month for a period of one calendar year will be 1st Offense - Written Warning subjected to appropriate disciplinary action under BR #146 (August 15, 2013-048) - Financial Assistance to Dir. Herminio C. Hernandez 2nd Offense - Final Written Warning SDCC Personnel Policies re: Disciplinary Action on Pinagtibay ng Lupong Patnugutan na magbigay ng pinansiyal na tulong na 3rd Offense - 1 day Suspension Tardiness under Group B nagkakahalaga ng Dalawampu’t Limang Libong Piso (P25,000.00) kay Dir. Herminio 4th Offense - 2 days Suspension 1st Offense - Written Warning 5th Offense - 7 days Suspension 2nd Offense - Final Written Warning C. Hernandez, Kagawad ng Lupon para sa kanyang pagkakaospital sanhi ng pagtaas 6th Offense - 10 days Suspension. 3rd Offense - 1 day Suspension ng kanyang asukal sa dugo na nagdulot ng alta presyon. Ang nasabing halaga ay 4th Offense - 2 days Suspension ibabawas sa Coop Guarantee Fund/Community Development Fund. 5th Offense - 7 days Suspension 6th Offense - 10 days Suspension. Si G. Hernandez ay hindi humihingi ng pinansiyal na tulong para sa kanyang GUIDELINES: GUIDELINES: pagkakaospital. 1. An employee is entitled for a 15 minutes 1. If the staff is tardy, such tardiness will be grace period within a day - Tardiness charged, using the pro-rated hourly rate, with Napagtibay din na ang nasabing aksyon ng Lupon ay pamamaraan ng pasasalamat will be counted on the 16 minutes with no grace period. at pagkilala sa serbisyong patuloy na ipinagkakaloob ni G. Hernandez sa SDCC. only one minute to be deducted from employee’s salary, but counted as one (1) tardy. BR #147 (August 15, 2013-049) - Invitation to Bid If an employee comes in at Pinagtibay ng Lupong Patnugutan na pahabain pa hanggang Agosto 25, 2013 ang 8:40 AM - late for 10 minutes pagtanggap ng “bidder” sa pagpapagawa ng bubong ng SDCC basketball court sa and again time-in at kadahilanang hindi naging matagumpay ang unang isinagawang imbitasyon para 3:06 PM – late for 6 minutes “bidding”. the grace period of 15 minutes was 14 granted and only one (1) minute is to be deducted from employee’s payroll BR #148 (August 15, 2013-050) - Special Loan and the employee’s tardy is counted as Pinagtibay ng Lupong Patnugutan ang special loan ng isang (1) kasapi sa halagang one (1) 20. Upper Riverside Neighborhood Ass., Inc. P. River easement of Zapote River for 3. If an employee comes in at 9:01 AM - late for 1 minute and again time-in at 1:01 PM - late for Sabido St., BF Resort Village along Zapote River, relocation 1 minute Brgy. Talon Dos 21. Riverside Margie Moran Dulo Neighborhood River easement of Zapote River for (2) minutes of late will be deducted from employee’s salary and employee’s tardiness Margie Moran St., BF Resort Village, Brgy. Talon relocation will be counted as two (2) late for the day. Dos 22. Ceciro Neighborhood Ass., Inc., Casiro St., BF River easement of Zapote River for 4. Tardiness shall subject the employee to disciplinary action and shall have Resort Village, Brgy. Talon Dos relocation corresponding salary deduction. However, 23. Carbaggio st., Neighborhood Ass., Inc., River easement of Zapote River for with continuous or habitual tardiness, this amounts to serious misconduct under Art. 282 Carbaggio St., BF Resort Village, Brgy. Talon Dos relocation of the Labor Code. The policy on Termination 24. Miguel Lavente Property L8B2 Gloryville Subd., Occupants refused to Negotiate with under Art. 282 of the Labor Code will apply to Ozaeta St., Vista Grande BF Resort Village, Brgy. the lot owner quote “Article 282 Termination by Employer: Talon Dos

An employer may terminate an employment Approved Board Resolutions for 2013 for any of the following causes: 25. Josefina Sevilla PropertyL3B3 Glory Ville Subd., Occupants refused to Negotiate with 1) Serious misconduct or willful disobedience Ozaeta St., Vista Grande BF Resort Village, Brgy. the lot owner by the employee of the lawful orders of his employer or representative in Talon Dos connection with his work;” 26. Blk. 6 Aventine Hills, BF Resort Village, Almirante River easement of Zapote River for 2) Gross and habitual neglect by the Creek, Aventine St., Brgy. Talon Dos relocation employee of his duties xxxxxxx” 27. People’s Village Admiral Subd., Brgy. Talon Tres Negotiation with land owners is on- Effectivity: November 1, 2013 going 28. Sto. Nino Neighborhood Ass., Inc., Candy Tuff St., River easement of Almirante River for Hansuyin Village, Brgy. Talon Cuatro relocation BR #158 (September 26, 2013-054 item #1.2) - Cooperative Month Celebration 29. Riverside Compd. Ext., Org., Candy Tuff St., River easement of Almirante River for Pinagtibay ng Lupong Patnugutan na ang selebrasyon ng Buwan ng mga Kooperatiba Hansuyin village relocation ay gaganapin sa Oktubre 26, 2013, Sabado, ika-9:00 ng umaga sa Pook-Tulungan 30. Small Ville Neighborhood Ass., Inc., Brgy. Talon Under Negotiation Hall, Gusali ng SDCC. Cinco 31. Urbanville Ph.3 Community Ass., Inc. Brgy. With court order for demolition Napagtibay din na si Bb. Marieta P. Hwang, OIC Director II ng Cooperative Development Almanza Uno. Authority (CDA) ang magiging panauhing tagapagsalita sa nasabing pagtitipon. Kung 32. United Lawinians Neighborhood Ass., Inc. Gem Several claimants over the parcel of sakaling hindi maaari si Bb. Hwang, ang iimbitahan ay ang Tagapangulo ng Komite ng St., Pilar Village, Brgy. Almanza land presently occupied by ISF”S Kooperatiba sa Lungsod ng Parañaque City bilang panauhing tagapagsalita. 33. Kapatirang Makadiyos, Makatao, at Several claimants over the parcel of Makabayang Mahogany dulo, Pilar Village, Brgy. land presently occupied by ISF”S BR #159 (September 26, 2013-054 item #1.3) - Proposal to freeze certain areas in Almanza Dos Las Pinas City 34. Samahang Mahihirap sa Buffer Zone Carnation For relocation Pinagtibay ng Lupong Patnugutan ang mungkahing hindi pagtanggap ng bagong St., TS Cruz Subd., Brgy. Almanza Dos kasapi mula sa mga lugar sa Las Pinas City na nakatala sa ibaba.

NAME AND ADDRESS REMARKS BR #160 (September 26, 2013-054 item #2) - Recommendation of CBDSS re: 1. Samahan ng mga Walang Tahanan, Kholiz With threat of demolition Housing Raffle Ticket Comp., Manuyo Uno Pinagtibay ng Lupong Patnugutan ang mga sumusunod na hakbang na gagawin 2. Malaya Neighborhood Ass. Inc., Purok 5, With threat of demolition kaugnay ng Housing raffle tickets. Manuyo Dos 1. Pagsasagawa ng masinsinang pagbabahay-bahay na pangangampanya 3. Las Pinas Neighborhood Ass., Inc., Purok 5, With threat of demolition ng mga empeyado simula sa susunod na linggo, Setyembre 30, 2013 at ang Lupong Patnugutan ay mangangampanya naman sa ikalawang linggo ng Manuyo Dos Oktubre 2013. 4. Manukan Uno, Neighborhood Ass., Purok 5, With threat of demolition 2. Kung ang benta ng tiket ay aabot sa Pitong Milyon (P7,000,000.00) sa Manuyo Dos pagtatapos ng Oktubre 31, 2013, itutuloy ang pagbola sa Disyembre 14, 2013. 5. Samahan ng Kapit Tungtong Inc., Purok 5, With threat of demolition Subalit kung hindi ang pagbola ay pahahabain hanggang Pebrero 14, 2014. Ang Manuyo Dos mga natitirang labing walong (18) bahay ay bobolahin sa mga sumusunod na 6. Bo. Tungtong Neighborhood Ass., Purok 5, With threat of demolition petsa: Disyembre 14, 2013 – 9 na bahay at Pebrero 14, 2014 – 9 na bahay. Manuyo Dos 7. Pangkabuhayan ng Samahang Mahihirap, With threat of demolition Napagtibay din na ang masinsinang pagbabahagi ng impormasyon ng huling pagdulog ay kinakailangang maisagawa sa loob ng tatlumpung (30) araw bilang Purok 5 Manuyo Dos pinakamahabang panahon base sa payo ni Atty. Allan B. Cos, SDCC Legal Counsel. 8. Samahang Matatag ng Magkakapitbahay Inc. With threat of demolition Purok 5, Manuyo Dos BR #161 (September 26, 2013-054 item #3) - Request of Ms. Rosa Doctor for 9. CAA Maralita Neighborhood Ass., Purok 5, With threat of demolition termination of her enrollment in Planong Damayan Manuyo Dos Pinagtibay ng Lupong Patnugutan ang kahilingang pagtiwalag sa Planong Damayan 10. Port Aldana Tabon 3 St., Back of Napocor For Relocation/ Danger Zone ng nabanggit na kasapi. Transmission Line, Brgy. Aldana 11. Sta. Cruz Neighborhood Ass., Inc., Brgy. For Relocation BR #162 (September 26, 2013-054 item #4) - Result of Codis Validation Pinagtibay ng Lupong Patnugutan ang mga hakbang na gagawin ng SDCC na ihihain PulangLupa Uno ni CEO Cielito L. Garrido, MBA base sa resulta ng isainagawang CODIS Validation. 12. Sitio Makipot Neighborhood Ass., Inc, Coastal For Relocation Road, Along Zapote River Brgy. Pulang Lupa Uno 13. Green Archers Neighborhood Ass., Tramo St., With Court Order Threat of Demolition Brgy. Pulang Lupa 14. Samahang Talango Aries St., Pamplona Park For Relocation Subd., Brgy. Pamplona Dos 15. Magkakapitbahay ng Castillo Compd. Aries St., Those occupying the water-ways are Pamplona Park along Sin Nombre Creek - Brgy. target for relocation Pamplona Dos 16. Pagkakaisa sa Pagtakhan Compd. Aries St., For Relocation Park Subd., along Sin Nombre Creek Brgy. Pamplona Dos 17. Manggahan Pamplona Dos Neighborhood Ass., For Relocation Aries St., Pamplona Park along Sin Nombre Creek Brgy. Pamplona Dos 18. Rosito Bathan Property L4B2 Glory Ville Subd., Occupants refused to Negotiate with Ozaeta St., BF Resort Village, Brgy. Talon Dos the lot owner 19. Samahang Lamano P. Sabido St., BF Resort River easement of Zapote River for 15 Village along Zapote River, Brgy. Talon Dos relocation QUANTITATIVE INDICATORS: CODIS FINDINGS / OBSERVATIONS / IMPRESSIONS RECOMMENDED ACTIONS TO BE TAKEN BY SDCC 1) PORTFOLIO QUALITY A. Loans should have ceiling 1. For 2014, introduce needs-based loans, with ceiling for each type, but availability to member is dependent to his DTI. This will encourage members to pay their loans on time to avail of other types of loans. 2) ALLOWANCE FOR PPL A. Should be 100% provided within the next 5 2.5 years is too short. Recommending full provisioning plan for 10 years, years, or until 2018. coming from different sources. This is recommended to avoid material impact on net surplus, which will affect those members without loans or updated in payment of their loans. 1. Annual provisioning of P10 M. 2. Additional annual provision of 35% for loans PAR for 12 months and below. 3. Borrowers’ Risk Sharing of additional 0.5% for CLPP based on amount granted to member. Such fund will directly added to allowance for PPL. (For info, there are coops already implementing it - BJMP, Cebu People’s MPC, to name a few) This means that CLPP rates for 2014 will be: From 0.5% to 1% - 1 yr term 0.8% to 1.3% - 2 & 3yrs term 1.2% to 1.7% - 4 to 5 yrs term for Special loan from 0.5% to 1% x term of loan It is just fair that borrowers share in the risk, considering that those members without loans are continuously sharing in the risk. 3. CLPP fee of loans P50,000 and below shall be directly added to Allow for PPL. But those loans are still covered by loan insurance, as if insured with CLIMBS. In case of death of a member within this loan range, it will be charged to SFLP, including the portion paid by the member during the 6 months of insurance period. In case the SFLP has been fully used up, loan balance and paid portion covered by the insurance policy shall be directly charged against Allowance for PPL, especially when loans are fully provided. This will only be done during the period of full provisioning program. This was discussed with Ms. Ellen Mantallaba and according to her, it is acceptable and being practiced by other coops. (Just for info, records show that total loans charged to loan protection within P1,000 to P50,000 range is about P300,000. SFLP balance is P2.5M. Within the next 8 years, it can absorb such amount of claim.) 4. Excess in the premium paid to CLIMBS to be directly credited to Allowance for PPL. Recommendation : Effectivity- October 2013. 3) Loan Porfolio a. Return on Assets is a little over inflation rate a.1. Let us review our interest on loan. Per computation based on 2012 operations, Profitability and Return but the coop should target higher return. SDCC’s sustainable rate should be 26% p.a., compared to our average nominal on Assets Product pricing should be reviewed. rate of 15% p.a. Since we cannot increase the interest on loan drastically, may we recommend for the following: 1. Different rates of interest for different types of loans. In line with recommendation above, for new types of loans, different interest rate. Thus, on the average, interest rate will increase.

Approved Board Resolutions for 2013 Resolutions for Board Approved 2. CODIS is suggesting the we reprice the interest on loan for those with loan term of 3 years and above. Fixed interest until 2nd year, but repriced by 3rd year. a.2. New borrower-members. Our current members seemed to have reached their saturation point as far as borrowing. For 2014, extensive campaign for membership is needed. b. New business aside from credit and Asset b.1 We need to look for new business, within what is provided in our By-Laws. Management (maximize returns with minimal However, new business to generate income will take 3 to 4 years. Anyway, this cost) is part of our long-term plan. In the meantime, focus on what we do best – CREDIT. b.2 Look for higher yield investment. Objective is at least equivalent to cost of fund, which is 5% of average loan portfolio. (CODIS’ opinion : “Balancing of Social and Economic objective towards coop sustainability” 4) Operations/ a. Increase in Membership is only 9% of target. a. Look for and put-up another Satellite or Expanded Extension Offices in 2014. Membership Putting-up of Satellite Office is a good strategy. One or two more offices. However, it should increase our membership and not just bringing the services closer to the members. QUALITATIVE INDICATORS: 5) Auditor’s Findings & a. Provision to Allowance to PPL a. Related to recommendation above. Recommendations 6) Governance-Coop a. Code of Ethical Standard for Members a.1 Committee is in the process of coming-up with Code of Ethical Standards. Culture/Coop Values However, per plan of the Committee, it will only be in 2014. As much as we want to be compliant with the CODIS requirements, it is more important that the Code that will be developed is the one that will promote SDCC’s values, culture, vison and mission, and most importantly, the SDCC Brand. 16 However, the Committee should be able to deliver the Code of Ethical Standards within 2014. b. Per interview done, had this impression b.1 Come out with a more simple way of cascading and explaining the coop’s that some officers are not aware of coop’s direction, plans and programs. direction, plans and programs. b.2 Understanding one’s functions and their role in the coop. 7) Functions of the Board a. Primary function of the Board is shepherding. a. This is related to policy on full provisioning in allowance for PPL and loan of Directors This is not limited to planning and policy pricing. formulation but a comprehensive understanding of its role in the sustainability of the coop. 8) Succession Planning a. The coop should develop a plan of succession a.1 We need to come out with a clear Succession Plan for leaders and managers. for both leaders and Managers. Approved Board Resolutions for 2013 It was observed that no ready listing as to a.2 Once Succession Plan is done, EDCOM to develop appropriate training for the who will succeed present leadership and successors. management. Since no one has been identified yet, no applicable training has also been prepared for the possible successors. It was also noted that for the Management, from a.3 Election rules should also promote succession. CEO to Managers and 2nd liner supervisors will retire almost at the same year or a gap of 2 or 3 years only. b. Election rules/manual is not published. b.1 COMELEC to come out with Election Manual and should be available for everybody’s guidance.

9) Continuing Learning of a. Resume/bio-data of Audit Committee Chair a.1 During the compilation of 201 file of officers, HR followed-up for the submission, Leaders not on file. but it was not yet completed by the Audit Committee Chair. HR was instructed to check the 201 file of all officers and ensure that everyone has submitted. 10) Conflict of Interest a. Chairpersons of Audit and Risk Management a. It was an honest overlooked, the Board was focused on the expertise of then Committee are husband and wife. Chair of Risk Management Committee. This should be part of the Ethical Standard. 11) Management a. Backlog in recording, which caused delay in FS a.1 Part-time Accounting Clerks are hired to help in the updating. preparation and bank reconcilaitation. a.2 Written instruction was issued that they have until October 31, 2013 to update the recording. a.3 Evaluating the possibility of staff transfer. b. Too many consultants. Why not hire full time. b.1 Explained the existence of different consultants. In the meantime,until Ms. Lea Gomez completed her engagement with us, NATCCO consultants will assist CRECOM and AMMR Manager and Officers in the monitoring and supervision, in terms of development of tools and policy improvement. So that the AMMR Staff can focus on the set priorities until Decembe 2013. Presence of different consultants may sometimes confuse the staff. c. Based on the interview with some of the staff, c. Maybe because of too many meetings or information overload. Had an staff are not aware of what’s happening in the agreement with the staff that from CEO’s monthly meeting with all the staff to coop. quarterly meeting, but Department Managers and Unit Heads are responsible in updating their respective staff. d. Weakness in internal control is observed. The d.1 To request for from CODIS re: Internal Control Orientation to be attended by CEO, design and establishment of internal control Department Managers, other members of the MANCOM and Audit Committee is management’s responsibility to be this October 2013. Management to amend the Internal Control System Manual, monitored by the Audit Committee. in consultation with CODIS. e. 201 files of staff show memos related e.1 This shows gaps in competencies and interest. to tardiness, etc. TNA and trainining plan for the staff is needed. 12) Records Management a. Manuals are not updated. Latest a.1 Records Management System (RMS). Orientation has been conducted to all policies are not part of the manuals. the staff by NATCCO and Ms. Lea is assisting in coming out with RMS. 13) Quality Membership a. NON-MIGS are more than 50%. a. Review the policy on MIGS, it may no longer applicable to the present situation. b. Based on interview, new members are not b.1 EDCOM to design program that will strengthen sense of stakeholdership. the same as old members, in terms of how they look at the coop. New members are only focused on what are beneficial to them, considering that SDCC is a service oriented coop. Lacks sense of stakeholdership. b.2 PMS needs more deepening. According to CODIS, new members should understand SDCC culture. 14) Risk Management a. A management function - risk identification, a.1 More discussion with CODIS about it, before appointing a Risk Officer. analysis, establishing mitigating strategies and contingency plan, in case of occurrence 17 of risk. Risk Officer is an employee of the coop who will supervise the implementation of plans to mitigate risk subject to monitoring of Audit Committee. a.2 Risk Management Committee to be oriented on how they will go about their functions. (on-going, being assisted by Ms. Lea Gomez) b. Based on interview, risks owners are not b.1 A need for detailed orientation. aware of their unit/committee’s risks and how to mitigate it.

BR #163 (September 26, 2013-054 item #6) - MSCB Special G.A. Meeting on BR #173 (October 17, 2013-067 item #2) - Initial Presentation of the 2014 Budget October 5, 2013 at Club Filipino, San Juan City and Plans & Programs Pinagtibay ng Lupong Patnugutan na ipadala si Chairperson Garibaldi O. Leonardo, Pinagtibay ng Lupong Patnugutan ang mungkahing badyet, mga plano at Ph.D upang dumalo sa MSCB Special G.A meeting sa Oktubre 5, 2013 na gaganapin programa para sa taong 2014. sa Club Filipino, San Juan City. BR #174 (October 17, 2013-067 item #3) - Proposed Collection Measure BR #164 (September 26, 2013-054 item #7) - 4th Quarter Manila Bay Clean-Up Pinagtibay ng Lupong Patnugutan ang mungkahing sukatan ng pangongolekta sponsored by CDA on October 5, 2013 na nakatala sa ibaba. Ang mga ito ay isasagawa batay sa sumusunod na Pinagtibay ng Lupong Patnugutan ang pakikilahok ng SDCC sa 4th Quarter Manila pamamaraan. Bay Clean-up na gaganapin sa Oktubre 5, 2013. Reminder

Ito ay ang panimulang gawain para sa Buwan ng mga Kooperatiba na Unang Pagtawag Pansin - ika-6 na araw mula sa petsa ng takdang pangungunahan ng Cooperative Development Authority (CDA). pagbabayad Ikalawang Pagtawag pansin - makalipas ang 30 araw matapos matanggap ang unang pagtawag pansin BR #165 (September 26, 2013-054 item #8) - International Forum on Social Liham mula sa CEO - makalipas ang 5 araw matapos matanggap Solidarity Economy on October 15-18, 2013 ang ikalawang pagtawag pansin Napagkasunduan ng Lupong Patnugutan na hindi muna lumahok sa nasabing Demand letter from legal Counsel - makalipas ang 5 araw matapos matanggap Forum sa kadahilanang may mga nauna nang gawain na nasagutan. ang liham mula sa CEO Pormal na paghahain ng reklamo - makalipas ang 5 araw matapos matanggap BR #166 (September 26, 2013-054 item #9) - San Antonio Elem. School-Silverio sa korte ang liham mula sa abogado Annex request for sponshorship from SDCC for a concrete hand washing area Pinagtibay ng Lupong Patnugutan ang kahilingan ng San Antonio Elementary BR #175 (October 17, 2013-067 item #4) - Full payment of loan to MSCB School-Silverio Annex na magkaroon sila ng kongretong lugar na hugasan Pinagtibay ng Lupong Patnugutan na bayaran nang lahat ang pagkaka-utang ng ng mga kamay ng kanilang mga estudyante na may tinatantiyang halaga ng SDCC sa MSCB bago o sa Oktubre 31, 2013 mismo. magagastos na Labing Walong Libong Piso (P18,000.00) na ibabawas sa CDF. BR #176 (October 17, 2013-067 item #5) - Recommendation for Approval of BR #167 (September 26, 2013-054 item #10) - Credit Committee Recommendation Special Loan Pinagtibay ng Lupong Patnugutan ang mga sumusunod na rekomendasyon ng Pinagtibay ng Lupong Patnugutan ang special loan ng isang (1) kasapi sa Tagapangulo ng Credit Committee na si Gng. Rosalina G. Sapungan. halagang Limang Daan at Animnapung Libong Piso (P560,000.00) na may tubong 1.0% kada buwan batay sa bumababang balanse na babayaran sa loob ng limang 1. Na si Gng. Veronica T. Aberion ay maging regular na kagawad ng komite (5) taon batay sa rekomendasyon ng Credit Committee. simula Oktubre 1,2013 hanggang Marso 31, 2014; at 2. Na ang katungkulang nina Bb. Alicia C. Salvador at Gng. Leonila V. Gonzaga, BR #177 (October 17, 2013-067 item #6) - Status of Housing Project 3 raffle ticket parehong “understudy” ay mapahaba hanggang Marso 31, 2014. Pinagtibay ng Lupong Patnugutan na konsultahin ang mga kasapi sa kanilang huling pulong kung sila ay pabor na i-extend ang pagbola. Kung ang maging Ang nasabing hakbang ay ginawa sa kadahilang ang pagkakahirang kay Gng. resulta ay pabor sa pag-extend, ang pagbola ay gagawin sang-ayon sa Sapungan bilang Tagapangulo ay matatapos na sa Setyembre 30, 2013 at upang sumusunod na pamamaraan. Approved Board Resolutions for 2013 Resolutions for Board Approved mabigyan ng sapat na panahon ang mga understudy na masanay o mahasa ng husto. 1. Siyam (9) na bahay na bobolahin sa Disyembre 14, 2013 sa Special Representative Assembly BR #168 (September 26, 2013-054 item #11) - Edcom Report: PMS Module for Senior 2. Siyam (9) na bahay na bobolahin sa Marso 29, 2014 sa Pangkalahatang Citizen Halalan Pinagtibay ng Lupong Patnugutan ang mungkahing PMS module para sa mga Senior Citizen na inihain ng EDCOM. Napagkasunduan din na magsagawa ng pulong kasama ang PKPTL, Tagapangulo ng walong (8) Distrito at Lupong Patnugutan upang ipaliwanag ng maaga ang BR #169 (September 26, 2013-054 item #13) - Letter from Don Galo Credit naging desisyon. Cooperative Pinagtibay ng Lupong Patnugutan na sulatan ang DGCC na tinutugunan ng SDCC BR #178 (October 17, 2013-067 item #7) – Re-activation of Coop Library ang kanilang kahilingan na hindi muna tatanggap ng bagong kasapi mula sa Brgy. Pinagtibay ng Lupong Patnugutan ang muling pagsasaayos ng silid aklatan ng Don Galo. SDCC.

Napagkasunduan din na bago ito ipatupad ng SDCC ay dapat magkaroon muna ng BR #179 (October 24, 2013-072 item #2) – Incident Report pag-uusap sa pagitan ng SDCC at DGCC. Pinagtibay ng Lupong Patnugutan ang rekomendasyon ng Chief Executive Officer, Bb. Cielito L. Garrido, MBA, na si G. Noel Toledo, ay itiwalag bilang kawani sa BR #170 (September 26, 2013-054 item #14) - 2013 CMAP Bowling Tournament kadahilanang nakagawa siya ng labag sa mga alituntunin ng SDCC. Pinagtibay ng Lupong Patnugutan na ipadala ang mga sumusunod na opisyales upang lumahok sa patimpalak ng CMAP. BR #180 (October 24, 2013-072 item #3) – Proposed Amendment in Salary Structure of Employees due to wage increase 1. Dir. Alma S. Ferreros Pinagtibay ng Lupong Patnugutan ang pagpapatupad ng NCR Wage Order 18 2. Dir. Felipe L. Perida, Jr. na nagbibigay ng karagdagang P10.00 pagtaas ng daily wage ng mga kawani 3. Dir. Raymond Joseph L. Salvador na ipinatupad noong Oktubre 4, 2013. Ilan lamang sa mga kawani ng SDCC ang 4. Mr. Normandy G. Jose makakatanggap nito sa kadahilanang nabago na noong pang Enero ang sahod 5. Ms. Josephine C. Herrera ng mga kawani at ito ay lagpas na sa halaga ng pinakamababang pangunahing sahod ng mga kawani dito sa NCR. BR #171 (September 26, 2013-054 item #15) – Special Representtive Assembly Pinagtibay ng Lupong Patnugutan ang rekomendasyon ni CEO Cielito L. Garrido, BR #181 (October 24, 2013-072 item #4) – Recommendation re: Christmas gift MBA na bayaran na ang renta sa paggamit natin ng Le-Sil Montessori School to Officers and Staff Gymnasium na pagdarausan ng Special R.A sa Disyembre 14, 2013. Pinagtibay ng Lupong Patnugutan ang rekomendasyon ng Tagapamahala tungkol sa Christmas Bonus/gift na kapareho din noong nakaraang taon (2012) ang BR #172 (October 17, 2013-067 item #1) - Presentation re: Community eCenter halaga ng ibibigay na Christmas gift sa mga opisyales ng iba’t-ibang komite, Legal and it’s Services Counsel at District Leaders ng SDCC. 18 Pinagtibay ng Lupong Patnugutan ang concept paper na pinamagatan ng San Dionisio Credit Cooperative Community eCenter at ito ay isasakatuparan din sa At para naman sa mga regular na kawani ay katumbas ng isang (1) buwan nilang malapit na hinaharap. sahod at Dalawang Libo (P2,000.00) para sa allowance na bigas samantalang para sa mga kawani na hindi pa regular ay 75% ng kanilang sahod at Isang Pinagtibay ng Lupong Patnugutan ang mungkahing Mission Statement ng lahat Libong Piso (P1,000.00) para sa allowance na bigas ang kanilang tatanggapin. Ito ng komite na inihain ni Gng. Lea R. Gomez, HR/OD Consultant. ay ibibigay sa Nobyembre 15, 2013. BR #193 (November 21, 2013-082) – Withdrawal of Ms. Jessel Aryen L. Barola BR #182 (October 24, 2013-072 item #5) – Credit Commitee Pinagtibay ng Lupong Patnugutan ang kahilingang pagtiwalag sa Planong Pinagtibay ng Lupong Patnugutan ang credit limit and availment ng isang (1) Damayan ng nabanggit na kasapi. kasapi sa halagang Isang Milyon Siyam na Daan Tatlumpu’t Siyam na Libo at Walong piso (P1,939,008.00) batay sa rekomendasyon ng Credit Committee. BR #194 (November 21, 2013-083) – Leave of Absence of Director Herminio C. Hernandez BR #183 (October 24, 2013-072 item #6) – Applicants for withdrawal of Pinagtibay ng Lupong Patnugutan ang kahilingan ni Dir. Herminio C. Hernandez na Membership pagliban sa simula Disyembre 10, 2013 hanggang Enero 20, 2014, sa kadahilanang Pinagtibay ng Lupong Patnugutan ang “applications for withdrawal of bibisitahin niya ang kanyang mga anak sa Amerika. membership” ng isang (1) kasapi na sumailalim sa exit interview ni G. Noli S. Salvador, PDMSS Department Manager sa kadahilanang may dinaluhang DECEMBER 2013 aktibidades ang mga kagawad ng Lupong Patnugutan noong Oktubre 17, 2013. BR #195 (December 12, 2013-085 item #1) – Preparation for Special Reprentative Approved Board Resolutions for 2013 Assembly on December 14, 2013 BR #184 (November 4, 2013-074 item #1) – Proposed Franchise Business Pinagtibay ng Lupong Patnugutan ang panuntunan sa pagsasagawa ng Espesyal Pinagtibay ng Lupong Patnugutan na pasukin ang pagnenegosyo sa pamamagitan na Pulong ng mga Kinatawan ng mga Pook-Tulungan kasama ang programa ng pagkuha ng prangkisa sa New Filipino Adobos, Inc. sa ilalim ng pangalang at aksyon ng bawat Pook-Tulungan noong nakaraang pulong nila tungkol sa pangkalakal na “Chopstop” na tinatayang maglalabas tayo ng kaukulang “extension” ng pagbola sa Housing Raffle. puhunan na Limang Milyon at Isang Daang Libong Piso (P5.10 M). Ang mungkahing lokasyon nito ay sa SM BF batay sa rekomendasyon ng Tagapamahala. BR #196 (December 12, 2013-085 item #2) – Raffle Draw during Representative Assembly Napagtibay din na ipaubaya sa Chairperson at sa CEO ang pagsasagawa Pinagtibay ng Lupong Patnugutan na ang pagbebenta ng raffle tiket sa araw ng ng kaukulang negosasyon sa New Filipino Adobos, Inc., at gayundin ang Espesyal na Pulong ng mga Kinatawan ng mga Pook-Tulungan ay hanggang ika- pagdedesisyon hinggil sa pagpapatupad ng naturang proyekto kasama na 2:00 lamang ng hapon. ang desisyon sa hinaharap na may kaugnayan sa negosyo kahit na hindi kinakailangang magpatawag ng pulong. Subalit kung may sapat na pagkakataon BR #197 (December 12, 2013-085 item #3) - Recommendation of PKPTL and na magpatawag ng pulong, ito ay isasagawa. Kung hindi man magpatawag ng result of last quarter meeting pulong ay regular namang ipapabatid sa Lupon ang katatayuan ng negosyo. Pinagtibay ng Lupong Patnugutan ang rekomendasyon ng PKPTL na bonus points para sa PT Performance Incentive na ipapatupad sa Disyembre 2013. BR #185 (November 4, 2013-074 item #2) - SDCC: Official Stand on the Reclamation of Manila Bay BR #198 (December 12, 2013-085 item #4) - Proposal of Ms. Myrna Cascon Napagkasunduan ng Lupong Patnugutan na kunsultahin ang mga kasapi sa Satellite Office tenants kanilang pulong at hayaan silang lumagda sa “petition paper” kung sila ay Pinagtibay ng Lupong Patnugutan ang kahilingan ni Gng. Myrna Cascon na sumasang-ayon sa naging pasya ng Lupon na “No to Reclamation, give solutions makapaglagay ng tindahan ng Hongkong Dimsum sa kanyang espasyo na to flooding, thorough study of the project, consultation with the people and other inuupahan sa Satellite Office. organizations”. BR #199 (December 12, 2013-085 item #5) - MSCB BR #186 (November 4, 2013-074 item #3) - Update on SDCC’s Investment to Pinagtibay ng Lupong Patnugutan ang paglalagak ng halagang sampung milyon NATCCO Partylist (P10,000,000.00) sa ilalim ng preferred share sa MSCB na may kaukulang tubo Napagkasunduan ng Lupong Patnugutan na pilitin ang NATCCO na magbayad na 7% kada taon. ngayong Disyembre 4, 2013 para sa huling Isang Milyong Piso (P1 M) halaga ng “investment” ng SDCC kasama ang kaukulang tubo. Hiniling din ng Lupon na BR #200 (December 12, 2013-085 item #7) - Accounts Recommended for write- makadulog sa isang pulong si Cong. Bravo upang talakayin ang bagay na ito. off Pinagtibay ng Lupong Patnugutan ang rekomendasyon na i-write-off ang BR #187 (November 4, 2013-074 item #4) – Christmas Gift/Bonus to District dalawang daan at limang (205) kasapi sa kadahilanan sila ay unlocated na o Officers, PT Leaders and Part-timers lubusan ng walang kakayanan sa pagbabayad ng kanilang obligasyon sa SDCC. Para sa mga Part-Time na kawani ang kanilang bonus ay ibabase sa 25% ng Ang kakulangan sa mga masisingil pa sa mga nasabing kasapi ay ibabawas sa kanilang buwanang sahod at kukwentahin sa paraang “pro-rata”, depende sa allowonce for doubtful accounts. tagal ng kanilang paninilbihan sa SDCC at Isang Libong Piso (P1,000.00) para sa cash gift. BR #201 (December 12, 2013-085 item #9) - EDCOM REPORT Inatasan ng Lupong Patnugutan ang EDCOM na paikliin ang pamamaraan ng BR #188 (November 4, 2013-074 item #5) – Financial Assistance to fellowmen pagsasanay at magawa ng isang modyul para sa tatlong (3) uri ng pagsasanay in Visayas Region na maaaring ibigay sa isang sesyon lamang. Pinagtibay ng Lupong Patnugutan ang pagbibigay ng pinansiyal na tulong na nagkakahalaga ng Dalawampung Libong Piso (P20,000.00) sa ating mga BR #202 (December 19, 2013-087 item #1) - Report and Recommendation of kababayan na lubhang naapektuhan ng kalamidad sa mga rehiyon sa Bisayas. the framework, Details of the Position Chart, Job Factors, Comparison on the Ang nasabing halaga ay ibabawas sa Community Development Fund. Existing Job Factors and the Proposed Job Factors. Pinagtibay ng Lupong Patnugutan ang Job Factors para sa mga kawani na inihain BR #189 (November 14, 2013-076) – Donations for the Typhoon Victims “Yolanda” ni Gng. Lea R. Gomez, HR/OD Consultant. Pinagtibay ng Lupong Patnugutan ang pagbibigay ng pinansiyal na tulong na nagkakahalaga ng Isang Daang Libong Piso (P100,000.00) para sa mga Depth of Knowledge - 35% kababayan natin na biktima ng kalamidad sa rehiyon ng Bisayas. Job Depth and Accountability - 55% Mental Demands - 6% Pinagtibay din ng Lupon na ipaubaya sa matalinong pagdedesisyon ng Physical effort and Work Hazards - 4% Tagapamahala kung paano maipapahatid ang nasabing donasyong ibinigay ng SDCC at pati na rin ang mga natatanggap pa na donasyon mula sa ibang mga BR #203 (December 19, 2013-087 item #3) - Proposal of Ms. Rose Sapungan kasapi ng SDCC basta ang mahalaga ay maipaparating ng mabilis ng nasabing Bookkeeping and the Clerical Services re: Retainer Agreement of Chopstop organisasyon ang tulong sa mga biktima. Pinagtibay ng Lupong Patnugutan na kuhanin ang serbisyo ng Sapungan Bookkeeping & Clerical Services na may buwang bayad na nagkakahalaga ng BR #190 (November 14, 2013-082) – Christmas Party of the Officers and Staff Labing Dalawang Libo at Limang Daang Piso (P12,500.00) kasama ang kabuang Pinagtibay ng Lupong Patnugutan na hindi na muna magkakaroon ng Christmas bayad sa buwis, para magmementina ng book of accounts ng SDCC Group of Party ang mga opisyales at kawani sa halip ay idonate na lamang sa mga biktima Companies, Inc. at iba pang serbisyo tulad ng mga nakatala sa ibaba. ng bagyong Yolanda ang inilalaang badyet na nagkakahalaga ng Labing Limang Libong Piso (P15,000.00). 1. Bookkeeping 2. As Company’s Representative to Goverment Agencies BR #191 (November 21, 2013-076 item #1.1) – Franchise Business 3. Preparation of Monthly and Annual Unaudited Financial Statements Pinagtibay ng Lupong Patnugutan na ipatala sa SEC ang prangkisa ng ating negosyo sa ilalim ng pangalang SDCC Group of Companies, Inc. na ang BR #204 (December 19, 2013-087 item #4) - Proposed General Policies on New kasalukuyang Kagawad ng Lupong Patnugutan at CEO ang siya ding magiging Type of Loans stockholders, bilang mga kinatawan ng SDCC. Pinagtibay ng Lupong Patnugutan ang pangkalahatang polisiya para sa mga bagong uri ng utang na napagtibay ng Lupon noong Oktubre 17 at Espesyal na 19 BR #192 (November 21, 2013-077) – Proposed Mission Statement of a Pulong ng mga Kinatawan ng mga Pook-Tulungan noong Disyembre 14, 2013. Constitutional and Non- constitutional Bodies PAYMENT OF OUTSIDE OBLIGATIONS TRAVEL AND TOUR WEALTH BUILDING MICRO FINANCE TYPE OF LOAN Provident Loan Provident Loan Provident Loan PURPOSE To pay other payable (ex. For LOCAL & INTERNATIONAL travel, whether by air, For investment only to SDCC- Will engage a Credit Cards, Bank Loan, due to land and/or sea, which will cover travel fares, hotel partner Investment Company consultant on Micro Friends and Relatives, etc. accommo-dations, food, pocket money and all Finance to assist us in other expenses incidental to the travel. Strictly for the design and tours only and not for immigration purposes development of this loan. INTEREST 1.75% per month, based on 2.00% per month, based on diminishing balance 1.75% per month diminishing balance for 12 months term and 2.25% per month for 24 months term, both based on diminishing balance 1 year 2.50% 2.50% 2.50% SERVICE FEE (one time deduction – subject to rebate in case of advance payment) 2 years 3.00% 3.00% 3.00% 3 years 4.00% 4.00% 1 year 1.00% 1.00% 1.00% 2 years 1.30% 1.30% 1.30% CLPP (one time deduction – NO REBATE)

3 years 1.30% 1.30% FINES (based on the amount of 3.00% 3.00% 3.00% loan principal in arrears) per month per month per month SHARE CAPITAL Pro rata policy will apply Pro rata policy will apply At least P15,000 at the time of filing of loan RETENTION:

SHARE CAPITAL as provided in the approved as provided in the approved budget for the year as provided in the approved budget for the year budget for the year SAVINGS DEPOSIT as provided in the approved as provided in the approved budget for the year as provided in the approved budget for the year budget for the year TERM (maximum) 36 months Below P100,000 – 2 months 24 months P100,000 to P200,000 - 24 months P200,001 to P300,000 - 36 months COLLATERAL acceptable collateral as per acceptable collateral as per Account Management acceptable collateral as per Note: Policy on uncollateral- Account Management Manual Manual Account Management Manual ized loan is in effect, provided member is qualified. DTI % (maximum) 65% considered all existing 65% considered all existing loans plus this loan 65% considered all existing loans plus this loan loans plus this loan as provided in the Account as provided in the Account Management Manual and as provided in the Account Approved Board Resolutions for 2013 Resolutions for Board Approved RELIEFS Management Manual and any any additional policies as approved by the Board Management Manual and any additional policies as approved additional policies as approved by the Board by the Board MIGS/NON-MIGS existing policy if member is existing policy if member is NON-MIGS existing policy if member is NON-MIGS NON-MIGS OTHER CONSIDERATIONS Required to secure travel insurance, local or 1. Member has to attend international, from SDCC (as CLIMBS CAC) and will be the investors’ forum part of member’s loan. or a session with the investment consultant. 2. Member to execute an affidavit/sign an agreement assigning SDCC as its principal beneficiary until such time that the loan has been fully paid.

BR #205 (December 19, 2013-087 item #5) - Secretary’s Certificate re: Meralco BR #208 (December 19, 2013-087 item #8) - EDCOM Recommendation re: Annual Meter Training Plan Pinagtibay ng Lupong Patnugutan ang pagbibigay ng kapahintulutan kina Napagkasunduan ng Lupong Patnugutan ang pagpapaliban ng pagsasagawa ng CHAIRPERSON, GARIBALDI O. LEONARDO, PhD at CHIEF EXECUTIVE OFFICER, CIELITO L. taunang plano ng pagsasanay upang bigyan ng sapat na panahon para makonsulta GARRIDO, MBA, bilang opisyal na “signatories” ng kooperatiba. ang mga taong may kinalaman dito. Gayundin ay inatasan ng Lupon ang EDCOM na Napagtibay din na si G. Nelson V. Union, Property Admin Coordinator, ang siyang magsumite ng tinatayang kalalabasan at mga gagawin sa loob ng dalawang (2) magproseso ng kahilingan ng SDCC na putulin na ang serbisyo/kontrata at pumirma araw na pagsasanay. sa mga kinakailangang dokument at makipagtransakyon para sa naturang pagkuha ng sobrang naibayad para sa Meralco Bill at deposito ng metro at tumanggap ng BR #209 (December 19, 2013-087 item #10) - Drug Test to all Employees anumang halagang makukuha partikular dito. Pinagtibay ng Lupong Patnugutan na isama sa taunang pagpapakunsulta ng mga Service ID Number: 46070220-2 Meter Number: 05FA002048 kawani ang pagpa-”drug test” upang matiyak ang kalusugan ng mga nito. BR #206 (December 19, 2013-087 item #6) - Additional Change Order re: BR #210 (December 19, 2013-087 item #11) – Aflatoun Construction of SDCC Basketball Court Pinagtibay ng Lupong Patnugutan na magbigay ng isang (1) kahong libro sa Pinagtibay ng Lupong Patnugutan ang karagddagang pagbabago sa kontrata ng pampublikong silid-aralan dito sa Parañaque, tig isang (1) kahon naman sa mga pagpapabubong ng SDCC Basketball Court na may kaukulang halagang Anim na eskwelahan na may pinakamataas na nakalap na deposito at yung mga matitira raan at Limampung Libong Piso (P650,000.00). ay hahati-hatiin sa iba pang mga eskwelahan na kasali sa naturang programa. Ang mga nabanggit na kahon-kahong libro ay sa kagandahang loob ng mga taga BR #207 (December 19, 2013-087 item #7) - Investment to NATCCO Parañaque na sa kasalukuyan ay sa Amerika na naninirahan. 20 Pinagtibay ng Lupong Patnugutan ang paglalagak ng karagdagang “investment” na nagkakahalaga ng Limang Milyong Piso (P5,000,000.00) sa NATCCO na may kaukulang tuba na 8% kada taon. ULAT NG COMMITTEE ON FINANCIAL STABILITY Vitalez at Brgy 197 (Pasay). Ito ay dagdag serbisyo sa mga kasapi upang mas malapit sa kanila ang maaari nilang pagbayaran ng Savings Mobilization and Capital Build -Up mga Uitlity Bills. Patuloy ang pag-unlad ng ating kooperatiba dahil sa patuloy Malaking tulong ang naibibigay ng mga proyektong nabanggit na pagtangkilik ng mga kasapi sa mga proyektong ipinatutupad upang patuloy na maging matatag ang pananalapi ng ating nito. Maraming plans and programs na hanggang sa kasalukuyan kooperatiba. ay ipinapatupad pa rin, katulad ng alkansya ko sa koop, paluwagan, retention to share capital, retention to Savings Deposit, Sinag Nag-i-invest din tayo sa mga kapwa koop at mga bangko na Deposit, Regular Time Deposit, Paycard deposit at ang aflatoun nagbibigay ng mas mataas na interest rate upang madagdagan (special deposit account ng mga batang nasa elementarya). ang kita ng ating koop. Ang halagang inilalagak dito ay pondong

hindi pa nagagamit sa pagpapautang. Committe on Financial Stability / Risk Management Maraming kasapi ang patuloy na gumagamit ng alkansya upang makapag-ipon ng kanilang deposito sa savings at share Patuloy na pinag-aaralan ng mga Committee ang mga capital. Ang iba naman ay pambayad sa kanilang loan at utility pamamaraan upang patuloy na lumaki ang ari-arian (assets) ng bills. Nagbibigay din tayo ng libreng alkansya sa mga kasaping ating kooperatiba. kabubukas lamang ng kanilang account at para sa mga gustong bumili, ito ay nagkakahalaga lamang ng P15.00 ang bawat isa. Ang layunin ng proyektong ito ay upang maturuan ang mga kasapi ng wastong pagtitipid at pag-iimpok. Ang deposito na nalikom para sa 2013 na nanggaling sa alkansya ay may kabuuang halaga na P2.5M. Ang paluwagan naman ay pag-iimpok pa rin na kung saan makukuha lamang ng mga kasapi ang kanilang naipong savings deposit sa itinakda nilang panahon. Ang retention sa savings deposit ay katumbas ng 5% sa inutang ng kasapi at idinadagdag sa savings deposit, samantalang ang retention sa share capital naman ay katumbas din ng 5% sa inutang ng kasapi at idinadagdag sa share capital kung ang share capital ay mababa sa P15,000 at P500 ang retention kung higit na sa P15,000 ang share capital. Patuloy pa rin ang pagpapadala ng sulat sa mga kasapi na may kulang pa sa Share Capital upang paalalahanan at ipaalam na rin ang karampatang halaga na dapat nilang idagdag sa kanilang Share Capital. RISK MANAGEMENT COMMITTEE Ang level payment na may halagang P50 ay idinedeposito sa savings deposit ng kasapi kada buwan kasabay ng kanilang Ang layunin ng Risk Management Committee (RMC) ay upang pagbabayad sa loan. Sa pamamagitan nito, nagkakaroon ng mapaghandaan ang mga nakaabang na panganib sa bawat dagdag na savings ang mga kasapi. proyekto at araw-araw na operasyon ng ating Koop. Nagkaroon ng mga pulong ang RMC kasama ang ating consultant, Ms. Lea Ang Sinag Deposit (Special Time Deposit) ay patuloy pa rin R. Gomez upang mas maunawaan at mas maging malinaw ang ang paglaki dahil sa mga kasaping patuloy na nagdedeposito. tungkulin na kanilang gagawain. Ang interest rate nito ay bahagyang mataas sa ating Regular Time Deposit ngunit parehong walang binabawas na withholding Batay sa mga pulong, napagkasunduan na ang miyembro ng tax. Kaya’t buong-buo na nakukuha ng mga kasapi ang tinubo ng RMC ay kailangang dumalo sa mga pulong ng bawat committee kanilang time deposit, ito man ay Special o Regular. Ang interest upang mas maagang mapaghandaan ang mga posibleng balakid rate ng ating time deposit ay nananatiling mas mataas sa interest sa proyektong nais gawin bago ito pa-aprobahan sa Board of rate ng mga bangko. Directors. Ang RMC ang siyang nagsisiyasat at nagsusubaybay sa mga Identified Risk upang masiguro na ang mga pamamaraan ay Ang paycard naman ay atm/debit card sa pakikipagtulungan naisasagawa at ang kontrol ay tama at mabisa na nakatala sa ating sa Metrobank na isa sa ating mga depository bank at upang Risk Management Plan. matugunan ang kahilingan ng mga kasapi na nagnanais magkaroon nito. Ito ay isa sa paraan upang mapabilis ang serbisyo ng ating Sa taong 2014, plano ng Risk Management Committee kooperatiba. Maaaring magwithdraw sa kahit anong Automated na magkaroon o dumalo sa mga training patungkol sa Risk Teller Machine (ATM) ang sinumang kasapi na may paycard lalo Management upang sila ay maging mas epektibo sa kanilang na tuwing weekend o holiday Mayroon na ring itinayong ATM gawain; ipagpatuloy ang pagsisiyasat at pagsubaybay sa mga sa harap ng Head at Satellite Office ng ating kooperatiba upang Identified Risk; at pag-aralan na bumuo ng Risk Management mas maginhawa sa mga kasaping gustong gumamit ng kanilang Manual sa tulong ng consultant bukod sa ating Risk Management paycard. Plan. Dahil din sa maayos nating pakikitungo sa ating mga Mula sa bumubuo ng aming komite, maraming salamat at depository bank, may dalawang bangko na maaaring puntahan pagpalain tayo ng Poong Maykapal! ang ating mga kasapi na tumatanggap ng bayad sa loan at deposito. Ito ay ang Metrobank at Asia United Bank sa kahit saang branch sa Pilipinas. Ito ay upang ilapit ang ating serbisyo sa mga kasaping hindi makapunta sa ating opisina sa tamang petsa o oras ng kanilang pagbabayad, lalo na ang mga nasa malayong lugar. GLENN C. CRUZ 21 Patuloy pa rin ang ating mobile Bayad Center sa limang lugar, CFS/RM Chairperson ito ay sa Ipil Site (Sucat), Manuyo Uno (Las Piñas), Moonwalk, Brgy Naisagawa na rin ang pagpapaupa sa dalawang space for ULAT NG COMMITTEE ON BUSINESS DEVELOPMENT AND rent sa ating Satellite Office mula pa noong July 2013 hanggang SOCIAL SERVICES PARA SA TAONG 2013 sa kasalukuyan. Sina Gng. Gracita Pala at Gng. Myrna Gascon, na pawang mga kasapi ang siyang umuupa. Sa nagdaang taon ng 2013, nagsilbing isang malaking hamon para sa Committee ang ating proyektong “Bagong Buhay sa Sa kasalukuyan ay patuloy ang Committee sa pagbabalangkas Bagong Bahay” house and lot raffle promo. Nagkaroon tayo ng ng isang malaking programa na tinatawag nating B E E F Program patuloy na pakikipag-ugnayan at pagtutulungan sa ating Lupong (Business, Employment, Education and Food) na siyang tutugon sa Patnugutan, Committee Officers, PKPTL, District Officers , PT Officers, mga Sales Agent at sa ating mga kawani upang higit na mapalakas pangangailangan ng ating mga kasapi. ang distribusyon at benta ng raffle ticket. Mula po sa bumubuo ng Committee on Business Development Nagkaroon din ng pakikipag-ugnayan sa mga iba’t-ibang and Social Services, isang pagpupugay at pasasalamat sa bawat Kooperatiba, government and private organization at ilang kasapi na walang humpay na sumusuporta sa ating mahal na San indibiduwal. Maging ang pagkakalat ng mga flyer kasama ang ilang Dionisio Credit Cooperative. opisyales, PT Lider at mga Sales Agent sa mga piling simbahan at mga tindahan ay ating isinagawa. Isinangguni rin ng pamunuan sa ating mga kasapi na magkaroon ng extension sa raffle draw upang mabigyan ng sapat na pagkakataon ang iba pang kasapi na mapasama sa raffle. Naging positibo naman ang naging tugon ng APOLONIO “CESAR” M. MENDOZA , JR. ating kasapian kaya nagkaroon ng Pre Grand Raffle Draw noong December 14, 2013 para sa siyam na lupa’t bahay at Grand Raffle CBDSS Chairperson Draw para sa huling natitirang siyam na unit sa darating na Marso 29, 2014.

Sa pagtatapos ng taon ay umabot lamang nang higit sa halagang anim na milyon at apat na daang libong piso (Php 6,400,000.00) o sa bilang na anim na libo at apat na daang (6,400) piraso ng raffle ticket ang naibenta. Sa kabila nito ay umaasa pa rin ang Committee sa hangaring nito na “one member , one raffle ticket” mula sa kabuuang bilang ng kasapi na higit 16,000 batay sa rekord ng taong 2013.

Inyong matutunghayan sa ibaba ang mga petsa ng Raffle draw at ang mga pangalan ng mga masuswerteng nagwagi ng bagong bahay at Lupa:

2nd Raffle Draw Winner/July 28, 2013

Rommel F. Esteves Sampaloc Site, BF Homes Raffle ticket # 00362 Parañaque City

Pre-Grand Raffle Draw 9 Winners/ December 14, 2013 1. Gelene C. Legaspi JP Rizal St., Bukid Site, Fortunata Raffle ticket# 01184 Village San Isidro, Paranaque city

2. Markzon Batino AMKOR ANAM Cooperative Raffle ticket# 11287 3. Manolito Marquez AMKOR ANAM Cooperative Raffle ticket#11300

Committee on Business Developement & Social Services Committee on Business Developement 4. Flordeliza Azul 5977 Tramo St., San Dionisio Raffle ticket#00047 Paranaque City

5. Marinel Briz AMKOR ANAM Cooperative Raffle ticket#11228 6. Josefa Estepa Blk 18 Lot 9 Ilacio St., South Raffle ticket# 12504 City Homes Binan, Laguna

7. Ruth M. Baraquio 7275 Holy Family Cmpd. Raffle ticket# 04937 Bonifacio St. San Dionisio Paranaque City

8. Gina Cuyos 1247 Quirino Ave., San Dionisio Raffle ticket# 03003 Paranaque City 22 9. Roda Magallanes 041 Int. Banner Garden Site Raffle ticket# 03606 4th Estate, San Anton ULAT NG LUPON SA PAGPAPALAKAS NG ORGANISASYON ULAT NG COMMITTEE ON MANAGEMENT INFORMATION (COMMITTEE ON ORGANIZATIONAL STRENGTH) SYSTEM (MIS) PARA SA TAONG 2013 Matapos maisakatuparan ng dating MIS Committee ang Ang lupon na ito ay binubuo ng lahat ng SDCC constitutional paglalatag ng mga panimulang bahagi na bubuo sa ating bagong bodies at Board-appointed Committees sa paggampan ng misyong SDCC’s integrated information system, naiatang ngayon sa maprotektahan ang kapakanan ng kasapian at siguruhing ang kasalukuyang komposisyon ng komite ang paggabay, pagbantay kooperatiba ay tumutugon sa akmang pagpapahalaga,mga at pagpapahusay sa naturang proyekto at mga gawain ng MIS pilosopiya at global na prinsipyong pangkooperasyon. department. Upang mabisang magampanan ang mga tungkulin

nito, naghalal ng opisyales ang komite at nalagay sa posisyon ang Committee on Organizational Strength / Committee on Management Information System (MIS) Tungkulin din ng lupong ito na masuportahan ang nilalayon mga sumusunod : ng Lupong Patnugutan (BOD) na mapanatili ang katatagan ng SDCC bilang isang kooperatiba sa pamamagitan ng mabisang G. Orico S. Macatangay - Chairperson pangangalap at pagbabaha-bahagi at maayos na paggamit G. Alex Guiwan - Vice-Chairperson ng yaman nito (human,material and financial). Dahil dito, ang G. Natahniel Manlangit - Secretary Committee on Organizational Strength (COS) ang mangunguna G. John A. Sope - designated as Guest consultant sa pagpapatupad ng mabisa at moral na pagganap ng mga lider ng SDCC at grupo ng tagapamanihala na matugunan ang mga Katulong ang departamento sa pamumuno ni Bb. Emmy R. pangangailangan ng kasapian at tuloy na mapanatili ang malakas Salvador at ng ating MIS consultant, G. Roland T. Abiog, masusing na pundasyon nito. binalikan at pinag-aralan ng komite ang mga dokumento at bawat aspeto ng ginagawang sistema, mula sa kung paano nabuo ang Sa taong 2013, ang COS ay kinakatawan nina Gng. Marilyn J. konsepto hanggang sa lahat ng pag-aaral at pagsasaliksik na Estrella (Chairman), Dr. Margarita D. Cerrada (member) at Dr. Lucila ginanap upang makalap ang mga mahahalaga at kinakailangang A. Cruz (member). Ginagabayan ang COS ng BOD Shepherd na impormasyon para maidisenyo nang wasto ang sistemang sina G. Herminio C. Hernandez at Gng. Alma S. Ferreros bukod sa gagamitin ng buong organisasyon. masikhay na suporta ng ibat-ibang komite gaya ng Education and Training Committee (EDCOM), Election Committee (ELECOM), Ethics Hanggang sa oras na sinusulat ang ulat na ito, patuloy pa rin Committee at Human Resource Department (HRD). ang madetalyeng pag-aaral ng komite sa ginagawang sistema upang makapagbigay ng mas mahusay at mas makapagpapabuti Nahahati sa mga sumusunod ang mga nagampanang gawain sa pamamaraan sa pagbubuo ng sistema. Maraming ideya at ng Lupon at ang mga ito ay ihahatag sa Lupong Patnugutan para sa mungkahi ang lumutang sa gitna ng pag-aaral, isa-isa itong pag-aapruba: hihimayin at bubusisiin upang makatulong sa pagpapabilis at 1. Development of Criteria pagtatapos ng proyektong ito. a. Quality Applicants b. Leaders of Good Standing (LOGS) Sa hinaharap, kasama na ang bagong komite sa pagdidisenyo c. Members in Good Standing (MIGS) sa mga susunod pang sistema na bubuo sa ating bagong d. Quality Committee Leaders (QCL) at BOD of COGS SDCC’s integrated information system na gagabay at tutulong sa e. Quality Pook-Tulungan Leaders (QPTL) pagpapatakbo ng ating organisasyon. Sa laki ng responsibilidad f. Quality Management Staff na kinahaharap ng aming komite, malugod po kaming dumudulog g. Quality Pook-Tulungans at nang-aanyaya sa ating kasapian na may kaalaman sa system h. Quality Committees analysis and development, na makilahok sa aming adhikain na makabuo ng makabago at modernong sistemang pang- 2. Development of Conceptual Framework of Leadership kooperatiba na lalong magpapaunlad sa ating samahan. Sa Succession and Career Development Program mga kasapi nating interesado na mapabilang sa MIS Committee 3 Work and Financial Plan of Leadership Succession and mangyari po lamang makipag-ugnayan sa ating opisina. Career Development Program 4. Profiling Format 5. Career Pathing Format Maraming Salamat at Mabuhay po tayong lahat.

Nilalayon ng COS na patuloy na isagawa ang implementasyon ng mga criteria upang mapadali ang wasto at maayos na pagpili ng mga lider.

Orico S. Macatangay MIS Chairperson

Marilyn J. Estrella COS Chairperson 23 Interplay (As approved by the Board of Directors on September 19, 2013) Interplay among the Lead and Lag indicators by Flagship Program for 2014 24

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Feb. 2014 criteria for system recruiting new recruiting Immediate and members (COS) Implemented by Implemented implementation of implementation nominees ( nominees a basis in selection of selection a basis in members WISE MENTOR Criteria as quarter after the formation program was program formation after the quarter Feb 2014 applicants - applicants

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a i c r r n u n l e f r 25 t e e M u m w o p B o t p d s A m S M ULAT NG LUPON SA PAG-UTANG Loan Delinquency at Loan Portfolio

Sa loob ng tatlong taon ng pagpapatupad, ay unti-unting Ang mataas na Portfolio at Risk ( PAR ) ay suliranin di lamang ng naunawaan at naisapuso ng mga kasapian ang kabutihan at mga bangko at pinansiyal na institusyon, maging mga kooperatiba kahalagahan ng Account Management System. Kaakibat ng mga ay suliranin din ito. Kaya tinutukan ng Lupong Patnugutan, Credit pagbabagong ito ay napatupad ang isang mahusay, mabilis at Committee at mga Kawani ang mga programa na may kinalaman sa magandang serbisyo sa makabagong panahon. Sa pagmumulat at pagpapababa ng ating Profolio at Risk ( PAR ). Subalit ang malaking matiyagang pagpapaliwanag at palitan ng kuru-kuro sa mga kasapi bahagi ng tagumpay nito ay sa samasama nating pagtangkilik at tungkol sa bagong pamamaraan ng Account Management System ( pagsuporta sa ating kooperatiba. Ang mga hakbangin ginawa noong AMS ), ay lubos nilang naintindihan ang kahalagahan nito. 2013 ay ang mga sumusunod; Tayo po ay nakapag-pautang ng Php. 476.69 milyon, bagamat 1. Patuloy na pagpapadala sa mga kasapi ng mga collection notice ang Projected Loan na Php 850 milyon ay hindi nakamit, dahil gaya ng paalaala, first notice, second notice, first demand letter, karamihan sa mga kasapi ay nakapag-avail na ng loan sa ating second demand letter at statement of account. kooperatiba. Patuloy pa rin tayo sa pagpapatupad ng mga kaukulang 2. Pagsasagawa ng Supervised Credit ng ating Credit Committee pagbabago at mga bagong serbisyo sa mga kasapi. upang bigyan ng payo ang mga kasapi para maisaayos ang kanilang account at matiyak na ang halagang inutang ay ginamit Sa taong 2014, isang hamon na naman ang haharapin ng sa loan purpose. kooperatiba sa Projected Loan ng Php 850 milyon, kasabay ang 3. Araw-araw na pagmomonitor ng ating mga Account Officer sa adhikaing makatugon sa pinansiyal na pangangailangan ng mga mga kasaping may delingkwenteng account sa pamamagitan kasapi. ng pagbisita sa bahay ng mga kasapi upang alamin ang kanilang estado sa buhay at makatulong sa pagawa ng solusyon para Tungo sa mga makabagong adhikain ng ating Kooperatiba at maisaayos ang kanilang account sa lalong madaling panahon. upang bakahin ang mga hamong ito, malaki ang maitutulong ng ating 4. Pag-alis sa libro ng mga kasaping may utang sa kondisyong satellite office at extension office sa iba’t-ibang lugar gaya ngsa wala na silang kapasidad na makapagbayad ng kanilang utang Tambo, Moonwalk, Manuyo Uno, Masville, Marcelo, Vitalez, Sampaguita sa pangkasalukuyan at ng ang mga kasaping hindi na matukoy at Sucat. Ito ay upang mas lalong mailapit ang ating serbisyo at ang tirahan. Ngunit may pasubali na kokolektahin pa rin kung makahikayat ng mas marami pang kasapi at sila mapabilang sa may sapat ng kakayahan ang isang kasapi na makapagbayad kasalukuyang bilang ng “quality and excellent members”. Ang ating ng kanyang obligasyon sa hinaharap. samahan ay laging handang magbigay ng mga kasiya-siya at mga 5. Pag file ng kaso sa Small Claim Court para sa mga delinkwenteng bagong serbisyo tungo sa ikakaunlad ng mga kasapi kasama na ang na may halagang P 100,000 pababa. Sa kasalukuyan labingpito kooperatiba. ( 17 ) kasapi ang nasampahan na ng kaso at ito ay may desisyon na at kagaya ng inaasahan, ang desisyon ay pabor sa Lupon sa Pag-Utang Kaya sa paglalakbay natin sa 2014, dalangin natin na makamit kooperatiba. ang hangaring maging “ WISE MENTOR” ang buong kasapian ng ating 6. Para sa mga delinkwenteng utang naman na may halagang kooperatiba. mahigit sa P 100,000, patuloy itong pinadadalhan ng mga demand letter ng ating abogado, dalawa rito ay pormal ng Tayo ngayon ay magtulong-tulong at sumagot sa tawag ng ating sinampahan ng kaso sa Regional Trial Court. samahan na mag-impok, mangutang kung may pangangailangan at 7. Pagpapaikli ng ating ng proseso ng pangongolekta, pagpapadala magbayad sa takdang oras, sapagkat sa pamamaraang ito tayong ng liham mula sa ating Chief Executive Officer at abogado. lahat ang makikinabang. 8. Pag-restructure sa mga account ng member. 9. Paglagay ng mga kawaning may karanasan batay sa estado ng Patuloy na ipinaaabot sa kaalaman ng lahat na ang ating pagkakautang ng mga kasapi. kooperatiba ay may mga paluwag na ibinibigay upang maiwasan ang pagiging delingkwente ng mga kasapi. Kaya’t sa mga kasaping PARA SA LUPON SA PAG-UTANG may suliranin sa kanilang utang, kayo ay malugod na inaanyayahan upang alamin at i- avail ang mga kaluwagang ito. Isang hangaring ating sama-samang buuin at isabuhay ang mga prinsipyo at kahalagahan nito, tungo sa pag-unlad ng ating JOSEPHINE B. BALANA Kooperatibang minamahal!. Tagapangulo

LOANS GRANTED (January - December 2013)

TOTAL NO TOTAL NO Rice Loan .1% Consumer/Medicine .3% Restructured Loan 7% Regular Loan- Productive 2711 P 173,136,570.00 Character Loan 3% Regular Loan- Provident 4797 180,388,915.00 Special Loan- Productive 6 6,860,000.00 Special Loan- Provident 3 2,900,000.00 Emergency Loan 3% Emergency Loan 1640 15,259,155.00 Educational Loan 1490 51,823,050.00 Restructured Loan 458 31,105,337.81 Rice Loan 256 556,977.50 Regular Loan-Productive 36% Educational Loan 3% Consumer/ Medicine Loan 523 1,517,763.60 Character Loan 1652 13,147,450.00 Total 13536 P 476,695,218.91

Summary: Special Loan-Productive 1%

Provident Loan 10819 P 296,698,648.91 Productive Loan 2717 P 179,996,570.00 Total 13536 P 476,695,218.91 Special Regular Loan-Provident 38% Loan-Provident .6%

26 MONTHLY LOANS GRANTED YEAR 2013 Lupon sa Pag-Utang

MONTH PRODUCTIVE PROVIDENT TOTAL JAN P 15,008,880.00 31,266,028.83 P 46,274,908.83 FEB 14,375,400.00 22,940,805.49 37,316,205.49 MAR 16,908,800.00 25,680,801.30 42,589,601.30 APR 21,619,630.00 28,441,169.09 50,060,799.09 MAY 17,957,600.00 26,384,572.05 44,342,172.05 JUNE 10,858,500.00 21,410,685.25 32,269,185.25 JULY 16,624,650.00 21,018,340.50 37,642,990.50 AUG 13,477,000.00 25,933,090.50 39,410,090.50 SEPT 14,102,400.00 26,818,434.90 40,920,834.90 OCT 12,858,160.00 25,694,366.32 38,552,526.32 NOV 13,101,300.00 17,528,589.88 30,629,889.88 DEC 13,104,250.00 23,581,764.80 36,686,014.80

TOTAL : P 179,996,570.00 296,698,648.91 476,695,218.91

COMPARATIVE LOANS GRANTED JANUARY TO DECEMBER 2013 AND 2012

YEAR 2013 YEAR 2012 VARIANCE

PURPOSE NO. OF TOTAL NO. OF TOTAL NO. OF TOTAL ACCOUNTS AMOUNT % ACCOUNTS AMOUNT % ACCOUNTS AMOUNT %

PANGKABUHAYAN 2717 179,996,570.00 20% 3468 202,225,716.00 26% -751 -22,229,146.00 -11% (PRODUCTIVE)

PANGKAGIPITAN 10819 296,698,648.91 80% 9694 393,975,317.45 74% 1125 -97,276,668.54 -25% (PROVIDENT)

KABUUAN (TOTAL) 13536 476,695,218.91 100% 13162 596,201,033.45 100% 374 -119,505,814.54 -20% 27 ULAT NG LUPON SA AWDIT SOCIAL AUDIT - Ang Social Audit ay isang sistematikong Ang Lupon ng Awdit ay muling nag-uulat tungkol sa mga pagrebisa ng mga gawi, kaugalian, kahalagahan at antas ng naisagawang pag-awdit sa ating Kooperatiba sa nakalipas na taon pakikisalamuha ng mga kasapi sa loob ng Kooperatiba pati na ang 2013. Ang lahat ng pag-susuring nagawa ay naaayon sa Internal mga polisiya, programa, at gawaing pinatutupad ng Kooperatiba. Audit System na gumagabay sa inyong lupon ang ginagawang “post-audit””. Kami ay patuloy na nag-aaral sa pamamagitan Ito ai isinasagawa upang tingnan ang “social impact” at ng pagdalo sa mga seminar upang makasunod sa makabagong “performance” ng ating kooperatiba at ito ay isang pamamaraan pamamaraan ng pagsusuri. Ang layunin sa bawat pagsusuri ay upang malaman at masuri kung gaano kahusay ang ating upang masiguro ang mga sumusunod: kooperatiba sa pagkamit ng mga hangarin natin panlipunan o • Matiyak na ang nilalaman ng lahat ng mga ulat ay pawang pagtupad ng mga tungkuling panlipunan bilang isang kooperatiba totoo; at samahan makatao. • Malaman kung sinusunod ang lahat ng mga alituntunin sa koop; Kami ay nagsagawa ng Social Audit sa pamamagitan ng • Malaman kung sinu-sino ang nag-alay ng mahusay na pagpapasagot sa mga ilang kuwestiyonaryo na ipinamahagi sa pagsisilbi sa koop at kung anu-ano ang mga mahuhusay na mga kasapi noong ika-09 ng Nobyembre hanggang ika-16, 2013. Ang layunin ng Social Audit ay ang mga sumusunod: Awdit gawain at pamamaraan na tinutupad sa koop; • Matiyak kung tama at nararapat ang mga ginagawa sa koop; 1. Upang malaman kung tunay na nagagawa ng ating kooperatiba • Matiyak kung saan nagmula at saan napunta ang pananalapi bilang isang samahan ang pagpapahalaga sa mga kasaping ng koop; nakikilahok, nakikinabang at patuloy na tumatangkilik sa mga • Masiguro kung mabisa at matipid ang pagpapatakbo ng koop; serbisyo. • Malaman kung sino talaga ang dapat managot sa anumang 2. Upang malaman kung ang ating kooperatiba ay tunay na kamalian sa koop; sumusuporta sa ika-pitong prinsipyo na pagpapahalaga sa • Matiyak kung natutupad ang mga tungkulin at layunin ng koop komunidad ( concern for community ). tungo sa ikabubuti at ika-uunlad ng mga kasapi at buong 3. Upang malaman kung ang mga gawain ng ating kooperatiba komunidad. ay nakapagpapatuloy sa pagpapaunlad ng ating komunidad at pamayanan. FINANCIAL AUDIT – Ang awdit na ito ay isinagawa upang masiguro ang totoong ulat ukol sa kalagayan ng ating pananalapi, Ang naipalabas na kuwestyonaryo ay 5,000 at ang nalikom kita at gastos na siyang pinagbabatayan na ang ating kooperatiba lamang ay 4, 233 ito ay 25.70% ng ating kasapian noong Setyembre ay matatag. Ang pagsusuri sa financial aspect ay naging maayos 30, 2013 na nasa 16, 468. Ang target ay 25% ng kabuuang bilang naman sa kabuuan. Ang mga financial aspect na sinuri ay ang mga ng kasapi sa bawat Pook-Tulungan, base sa resulta halos nakabuo sumusunod: ng 25% ang bawat Pook-Tulungan. Ang resulta nito ay iuulat sa 1. Audit of Cash Lupong Patnugutan upang maging basehan sa pagpaplano at pag- 2. Audit of Loan Receivable aaral sa mga susunod na programa ng ating Koop at malaman 3. Audit of Income and Expenses kung tayo ay nakatutugon sa layunin na pagandahin at paunlarin 4. Audit of Personnel Cost ang kalagayan ng kasapian sa lahat ng larangan ng buhay 5. Audit of Interest on Captial and Patronage Refund (ICPR) 6. Audit of Savings Deposit and Share Capital Ang Audit Committee na binubuo nina: Gng. Jerrilynn L. Pilar, 7. Audit of Property and Equiptment – Furnitures, Fixtures and DPA Tagapangulo, Gng. Teresita S. Pascua, Kalihim at Gng. Julieta F. Office Equipment Atienza, Kagawad at ang Audit Department Staff ay mananatiling 8. Monthly Inventory of Stocks in Botica de San Dionisio tagapagsubaybay sa operasyon ng ating Koop at tagapag-isip ng 9. Confirmation of Accounts mga magagandang bagay na may kaugnayan sa ating systems, - Savings & Time Deposit, Share Capital & Loan Receivable policies, guidelines at procedures para sa lalong ikagaganda, - Bank Confirmation ikabibilis at ikauunlad ng ating Kooperatiba. - Accounts recommended for write-off Maraming salamat sa inyong pagtitiwala at hangad namin ang COMPLIANCE AUDIT - Ang awdit na ito ay ang independent pagpapala at paggabay ng Poong Maykapal sa ating Kooperatiba. review ng “plans”, “decision”, “action” at “transactions” upang malaman ang paggawa o hindi paggawa ng mga preset rules o criteria gaya ng laws, by-laws and policies ng ating Kooperatiba. Para sa Lupon ng Awdit Ang mga plano at desisyon na naaprubahan ng Lupong Patnugutan ngayong 2013 ay naipatupad at naisagawa ng Management Staff. Ang sistema sa Cash Management, Property Management, Records Management at Account Management ay nasunod ngunit sa JERRILYNN L. PILAR, DPA panahon ng aming pagsusuri, may mga puna at ilang pagkakaiba Tagapangulo na nakita ay naiulat na sa kinauukulan para sa kanilang atensyon at kaagarang solusyon. Kami ay patuloy na sumubaybay sa mga serbisyo ng Koop kagaya ng Planong Damayan, Planong Abuluyan, Coop Assurance Program, at Botica De San Dionisio upang makasiguro na ang mga guidelines, procedures at policies nito ay nasunod at naipatupad. Ang puna ay naiulat na sa ating CEO at nabigyan naman ng kaagarang solusyon. Kami rin ang namahala sa pagbubukas kada buwan ng “SUGGESTION BOX”. Ito ay iniuulat namin sa Lupong Patnugutan upang tugunan ang mga mungkahi at komentaryo ng mga kasapi na may kinalaman sa polisiya para pag-aralan at baguhin kung kinakailangan. Ang mungkahi at komentaryo tungkol sa araw-araw na operasyon ay kaagarang tinutugunan ng ating CEO. Hinihikayat namin na inyong patuloy na tangkilikin ang paggamit ng suggestion 28 box para sa inyong mga “feedback” upang lalong maging maayos ang operasyon ng ating Koop sa kabuuan. ULAT NG LUPON NG HALALAN Ang pakikibahagi at partisipasyon ng bawat kasapi sa ating samahan ay lubhang mahalaga upang makahubog ng mga bagong mamumuno sa ating kooperatiba, ang San Dionisio Credit Cooperative. Ito ang isa sa mga pangunahing layunin ng Lupon ng Halalan. Ang taong 2013 ay naging makabuluhan para sa lupon. Sa taong ito naipatupad ang ilan sa mga pagbabago sa pagsasagawa ng halalan. Isa na dito ay ang pagkakaroon ng ika-tatlong distrito, ang electoral District III. Ito ay kumakatawan sa Barangay San Antonio at Barangay BF. Sa kabuuan ay naging matagumpay naman ang ika - 52 Pangkalahatang Halalan. Sa pagtatapos ng 2012, may pitong libo, isang daan at animnaput-lima (7,165) ang mga kasaping kabilang sa MIGS at walong libo, pitong daan at tatlumput – apat (8,734) naman ang NON- MIGS na may kabuuang 15,899 na kasapi. Limang-libo, walong daan at pitumput-walo (5,878) ang bilang ng mga kasaping nakaboto at lahat sila ay nakatanggap ng give-away na apat na kilong bigas at canned good. Tulad ng nakasanayan, ipinamahagi sa mga bumoto ang Annual Report.

Mas pinalawak na paraffle, pagkain at pinaghandaang intermission number na umaliw sa mga bumotong kasapi, ang ilan sa mga bahagi ng Lupon sa Halalan programa. Naging matagumpay din ang pagtitinda ng mga livelihood graduates na naimbitahan na magdisplay ng kanilang mga produkto. Gayundin, dahil sa masusing patalastas para sa “Advance Voting”, mas dumami ang nabigyan ng pagkakataong makaboto sa hanay ng incapacitated voters (mga kasaping MIGS ngunit nagkasakit, naoperahan at iba pa). Ang kabuuang gastos sa ating halalan ay umabot sa P1,077,123.53 para sa Annual report, give-away, pagkain ng mga volunteer at staff na tumulong sa halalan, office supplies, allowance para sa volunteers at iba pang gastusin. Kasunod nito, naganap ang pinakasimpleng programa para sa pagtatalaga ng mga bagong halal na opisyales. Ang makabuluhang hamon para sa bagong liderato ay pinamunuan ng isa sa ating Founding Members na si Ginoong Perseverando L. Cruz, bilang Guest Speaker at inducting officer. Patuloy ang pagsasagawa ng mga pulong at pagdalo sa mga training ng mga kasapi ng lupon tungo sa mas episyenteng pamamahala. Ang inobasyong panghalalan ang masusing pinag-aaralan ng komite at ang isa sa malaking hamon dito ay kung paano magkakaroon “pool of officers” na maihahanda sa susunod na panahon alinsunod sa pagkaroon ng succession leadership. Gayundin, patuloy na isinagawa ang election process sa mga itinakdang buwan at petsa. RESULTA NG 52ND GENERAL ELECTION. MARCH 23,2013/SATURDAY/ SDCC BASKETBALL COURT BOARD OF DIRECTORS ELECTORAL DISTRICT I – BRGY. SAN DIONISIO (2) LAMANG ANG NAHALAL 1. FELIPE L. PERIDA JR. 3,447 BOTO NAHALAL 2. MARIA NELIA RAFAELA G. DE LEON 2,514 BOTO MULING NAHALAL 3. GLENN C. CRUZ 1,886 BOTO 4. MARILYN J. ESTRELLA 1,440 BOTO 5. NORMANDY G. JOSE 1,609 BOTO ELECTORAL DISTRICT II – BRGY. SAN ISIDRO ( 1 ) LAMANG ANG NAHALAL 1. NOEL E. SANDIL 3,294 BOTO NAHALAL 2. APOLONIO M. MENDOZA, JR. 2,315 BOTO ELECTORAL DISTRICT III – BRGY. SAN ANTONIO & BF (2) LAMANG ANG NAHALAL 1. RAYMOND JOSEPH L. SALVADOR 3,502 BOTO NAHALAL 2. ROMEO T. TINASAS 1,717 BOTO 3. GARIBALDI O. LEONARDO 2,952 BOTO MULING NAHALAL 4. ALFREDO S. BUGAYONG 1,182 BOTO 5. REYNALDO H. VIZCARRA 1,449 BOTO AUDIT COMMITTEE 1. JULIETA F. ATIENZA 5,507 BOTO MULING NAHALAL ELECTION COMMITTEE

1. MARY JANE DC. MACAPUGAS 5,260 BOTO NAHALAL 2. JOSEPHINE P. SAGER 5,108 BOTO NAHALAL

Ang lupon ng halalan ay bukas sa lahat ng kasapi na nagnanais na magvolunteer, magbigay ng serbisyo at magbahagi ng kanilang talento lalo na sa pamumuno at pamamalakad ng ating kooperatiba. Taos-puso kaming nagpapasalamat sa lahat ng tumulong at sumuporta sa mga gawain at programa ng Lupon. ANG TAGUMPAY NG ATING KOOPERATIBA AY TAGUMPAY NATING LAHAT. PAGPALAIN NAWA TAYO NG POONG MAYKAPAL! PARA SA LUPON NG HALALAN 29 VIRGINIA B. SANTOS Tagapangulo ULAT NG ADVISORY COUNCIL ULAT NG LUPON SA ETHICS

Ang Advisory Council ay ang nagbibigay ng payo at gabay sa Ang “Committee on Ethics” ay isa sa mga pinakabagong grupo mga opisyales sa bawat komite ng SDCC. na itinatag sa SDCC. Nagkaroon kami ng labing isang (11) pagpupulong sa loob ng Sa unang kalahating taon, aming patuloy na binubuo ang taong 2013. Idinaraos ang regular na pagpupulong tuwing unang Code of Governance and Ethical Standards para sa mga kasapi. Lunes ng buwan. Ito ay aming binabago ayon sa mga puna at mga suhestiyon ng Narito ang mga natutukang gawain ng Advisory Council: Pamunuan. Noong Hunyo 2013, ito ay nasa ika-4 na pagbabago at 1. Pakikipag-pulong kay G. Garibaldi O. Leonardo, Ph.D. tungkol bahagi nito ang pagsunod ayon sa Code of Conduct para sa mga sa WISE MENTOR bilang tatak na nais nating maiugnay sa opisyales at mga kawani. May mga bagay pang dapat klaruhin, bawat kasapi, opisyal at kawani ng San Dionisio Credit akmang deskripsiyon na kailangan at iba pa. Cooperative. Inaasahan na manguna ang Advisory Council sa Noong Hulyo 2013, nakipagpulong ang aming komite kay Ms. pagpapalaganap ng WISE MENTOR dahil sa kanilang karanasan Lea Gomez, HR consultant, ukol sa SDCC Functional Charts kasama sa kooperatiba at suporta sa ating FLAGSHIP PROGRAMS. ang aming mga layunin at gawain bilang Committee on Ethics. Amin ding inilapit at kinonsulta ang aming Code of Ethics draft at ayon 2. Pagkakaroon ng WISE MENTOR Clinic upang mabigyan ng gabay sa kanya, ito ay dapat na nakahilig sa mas positibong paraan ng o payo ang mga opisyales, kawani at kasapi kung kailan at pagsusulat at isalin sa bersyon sa tagalog. saan sila maaaring tulungan ng Advisory Council. Maging Marami pang mga pagbabago ang dumaan na nagbigay ng inspirasyon sa mga kasaping nangangailangan ng kalinga. hamon sa pagsasakatuparan ng aming ginagawa dahil ang mga ito 3. Palawakin ang kaalaman sa PESTEL (Political, Environment, ay kailangan upang mabuo ang mas akmang Code of Ethics para Social, Technical, Economic at Legal) Framework. sa mga kasapi na ayon sa pangangailangan natin ngayon. Sa mga 4. Balikan ang mga listahan ng WISE MENTOR at bigyan ng patuloy nagdaang mga buwan, kami ay nakipagpulong sa iba pang mga na pagsasanay/workshop ang mga ito upang maibaba sa grupo sa loob ng SDCC. Bahagi nito ang pagkalap ng mga “Shared antas ng Pook-Tulungan Lider. Behavior/Values” sa loob ng SDCC. Sa pakikipagpulong na ito, kami 5. Patuloy na konsultasyon kay Gng. Lea R. Gomez, HR/OD ay nakakalap ng listahan at ito ay naisama at napag-usapan sa Consultant, patungkol sa mga tungkulin at gawain ng Council at pamunuan noong Disyembre. ang pagsasagawa ng Mission Statement ng bawat committee, Maigi ring idagdag ang mga balak gawin sa 2014 ng aming kung papaano sila makakatulong sa Lupong Patnugutan. Batay komite na inumpisahan na noong Q4 2013: (1) Code of Ethics para sa paglilinaw narito ang Mission Statement ng Advisory Council: sa aming Komite (2) Isang manual para sa aming komite ukol sa “The Advisory Council, together with all SDCC constitutional Risk Planning and Mitigation (3) Code of Ethics para sa mga kasapi. bodies, has a primary obligation to protect the members’ best Mula sa Committee on Ethics, maraming salamat sa suporta ng interests and make sure that the co-operative remains grounded lahat at gabay ng Poong Maykapal! on the values, philosophies, and principles of international cooperation. (COMMON TO ALL CBs) Advisory Council shall build and strengthen the mission and goals Ma. Evelyn R. Garcia of SDCC by offering non-binding but informed guidance and advice Chairperson to the Board of Directors, the Election Committee, and the Audit as well as to the Committee on Ethics and the Mediation and Conciliation ULAT NG LUPON SA Committee. As such, the Advisory Council shall serve as interested MEDIATION AND CONCILIATION observers, providing wisdom to critical programs and services, most especially in times of confusion and struggles, or when actions or Malugod na nag-uulat sa inyo ang Mediation and Conciliation decisions cannot be covered by SDCC Code of Ethics”. Committee sa aming mga naisagawa sa taong 2013. Pinagtuunan ng Komite ang pagbuo ng pamamaraan ng pagsukat kung papaano isinasabuhay ng mga kasapi, opisyales at kawani ang “cooperative values” na makikita sa Code of Ethics. Isinagawa rin ng Komite ang pakikipagusap sa mga kasapi DAMASO L. CRUZ, JR. na may suliranin sa pag-utang at ipinaliwanag sa kanila ang Tagapangulo kahalagahan ng pagiging isang mabuting kasapi. Masasabi namin na mapalad ang ating kooperatiba dahil walang natanggap na anumang reklamo na may kinalaman sa sigalot sa pagitan ng mga kasapi, opisyales at mga kawani. Patuloy tayong magtulong-tulong na tangkilikin ang mga serbisyo ng ating kooperatiba at isabuhay ang prinsipyo nito. Advisory Council / Mediation and Conciliation Committee/Ethics Committee Advisory Council / Mediation and Conciliation Committee/Ethics Sa darating na taong 2014, umaasa ang Komite na maisasagawa ang mga tungkuling inatang sa amin, sa tulong ng Poong Maykapal. Marami pong salamat.

30 MERLA G. CALMA Mediation and Conciliation Committee Chairperson ULAT NG LUPON SA EDUKASYON AT PAGSASANAY

Ang Lupon sa Edukasyon at Pagsasanay ay nakapagsagawa ng labing walong (18) pagpupulong sa taon 2013. Batay sa mga pulong na naisagawa, ang mga susmusunod ang mga pinaghandaan at tinutukan:

1. Membership System – ang paggawa ng module para sa bagong sistema sa pangangalap ng mga bagong kasapi. Ito ay ipinaliwanag ng Lupon sa lahat ng kasapi sa bawat Distrito at Pook-Tulungan katuwang ang mga Kagawad ng Speakers Bureau sa pagsasagawa. Ito ay ginanap noong 2nd quarter PT meeting na Lupon sa Edukasyon at Pagsasanay ginanap noong buwan ng Abril at Hunyo ng taong 2013. 2. Trainers’ Training – Ang karagdagang pagsasanay para sa mga tagapagsalita (speakers) ay ginanap noong Hunyo 13-15 sa Aroma Apartelle, San Jose, Tagaytay City. Ito ay dinaluhan ng 17 piling trainees (ang kabuuang listahan ng mga pangalan ay matatagpuan sa pahina 33). Ang layunin ng pagsasanay na ito ay upang magkaroon ng karagdagang kaalaman at techniques para maging isang epektibo at episyenteng cooperative trainer. Ang Resource Speaker sa ginanap na training ay si G. Ted Estacio ng Union of Metro Manila Cooperatives (UMMC) katuwang sila Gng. Evelyn R. Luching, COED/Speakers Bureau Chairperson at si G. Normandy G. Jose, Chairperson, Education and Training Committee. 3. Values Formation and Re-Orientation – Ang paggawa ng module para sa Values o’ Pagpapahalaga/ Saloobin na ibinahagi sa mga kasapi upang maipaalala sa kanila ang mga pagpapahalagang personal ng bawat Pilipino, gayundin ang mga cooperative value. Nagkaroon ng patuloy na pagsasanay para sa mga naging tagapagsalita upang sila ay maihanda bilang mga resource speaker para sa 3rd quarter PT meeting na ginanap noong buwan ng Agosto at Setyembre ng taong 2013. Katuwang ang inyong Lupon at Speakers Bureau sa pagbabahagi sa naganap na pagpupulong. 4. Patuloy na konsultasyon kay Gng, Lea R. Gomez patungkol sa mga tungkulin ng inyong Lupon at mga programa sa edukasyon at pagsasanay. 5. Patuloy na pakikipagpulong sa Tagapangulo at mga kagawad ng COED/Speaker’s Bureau para sa mga programa sa pagsasanay ng mga tagapagsalita. 6. Paglikha ng module ng Pre-Membership Seminar para sa mga Senior Citizen (mula 60 pataas). 7. Pagsasagawa ng Pre-Membership Seminar para sa mga mag-aaral ng Escuela de San Dionisio Laboratory Cooperative. 8. Pagsuporta sa naganap na Aflatoun Camp noong Disyembre 7 ng taong kasalukuyan sa pakikipag- ugnayan natin sa NATCCO at Bank of America Merrill Lynch . Ito ay dinaluhan ng mga mag-aaaral ng anim na katuwang na paaralan natin sa Paranaque City. Ito ang mga susmusunod: Paranaque Elem. School Central PES-Central), Paranaque Elementary School -Unit II (PES II), San Dionisio Elementary School (SDES), La Huerta Elem. School (LHES), San Antonio Elem. School (SAES) at Escuela De San Dionisio (EDSD). 9. Paggawa at pagrebisa ng module sa Pre-Membership Seminar (PMS), Financial Literacy Seminar (FLS) at Membership Education Seminar (MES). Ito ay upang mas mapa-iksi ang oras at araw sa pagsasagawa ng mga nabanggit na seminar. Isasakatuparan at ipapatupad ito sa darating na taong 2014.

Mga Pagsasanay na naisagawa para sa taong 2013

1. Pre-Membership Seminar (PMS) (Regular – 1,215/Mobile – 96 ) 1,311 dumalo 76 - batches (Regular - 71/Mobile - 5) 2. Associate PMS 19 dumalo 3 - batches 3. Senior PMS 59 dumalo 5 - batches (nagsimula noong Nobyembre 12, 2013) 4. Financial Literacy Seminar (FLS) 1,181 dumalo 44 - batches 5.Membership Education Seminar (MES) 1,058 dumalo 35 - batches

31 SEMINAR/TRAININGS ATTENDED para sa taong 2013

TITLE OF TRAINING PARTICIPANTS VENUE OF THE DATE RESOURCE PERSON/S CONDUCTED TRAINING CONDUCTED FACILITATORS

Membership System SDCC Members (District 1-8) SDCC Seminar Room and January 13, 20, Education and Training Seminar Board Room 26, 27 Committee February 2, 3, 10, 16, (EDCOM)/ 17, 23, 24 Bureau of Speakers

Cooperative Issues, We 1. Garibaldi O. Leonardo, Ph.D., Cagayan De Oro City Jan. 10-11 Prof. Dr. JJVan Diepenbeek must Resolve Today Chairperson, BOD 2. Cielito L. Garrido, MBA/CEO

Loan Pricing 1. Cielito L. Garrido, MBA/CEO Club Filipino, Greenhills, Jan. 31 Mr. Danny Belo, Credit 2. Maricris D. Bautista, Audit Dept. Mgr. San Juan Evaluation Head of Planters 3. Vivian C. Alcantara, Finance Dept Mgr. Development Bank

The Role of the Cooperative 1. Herminio C, Hernandez, Director Oxford Suites Hotel, P. Burgos March 7 MetroSouth Bank Sector in Social Community 2. Glenn C. Cruz, Director St., Makati City Development

Effective Telephone 1. Esmeralda D.Cortezo, Executive Asst. Richmond Hotel, Pasig March 9 JRF Business Inst. Communication Skills 2. Jannette D. Gonzales, Acting Management Consultant Secretary to the CEO

Connect and Learn 1. Emmy R. Salvador, MIS Dept., Rm. 2-5, 4th March 15 HP Manager Flr, JV Del Rosario, AIM 2. Jason G.Alogon, ICT Infrastructure Conference Center Manila, Admin. Legaspi Village, Makati City 3. Roland T. Abiog, MIS Consultant

Lupon sa Edukasyon at Pagsasanay Continuing Education on 1. Elizabeth D. Dela Cruz, Pharmacist Max’s Restaurant, Sucat March 22 Dyna Drug Corporation Fever, Pain, Cough & Cold 2. Imelda M. Duyaguit, Pharmacy Assistant 3. Reynaldo P. Gonzales, Jr., Pharmacy Assistant

New Cooperative Annual 1. Maricris D. Baurista, Audit Dept. PSPDC Bldg., Paco Soriano, April 3 Cooperative Development Performance Report (CAPR) Manager Pandacan Development Corp. Office of Manila/ Resource & Performance Audit 2. Ma. Nanette D. Bernardo, Fund Paco Manila Speaker from CDA Orientation Management Coordinator 3. Ma. Francisca C. Daynolo, Financial Auditor

Coaching/ Training of AMMR Staff SDCC Board Room April 24- 26 NATCCO Consultancy Group Account Management & May 8-10, 14-17, Member Relations (AMMR) 20-23 Dept.

Parliamentary Procedure 1. Garibaldi O. Leonardo, Ph.D., Forum Hall, PAGCOR, May 10-11 Paranaque City Union of (Compliance Seminar) Chairperson, BOD Paranaque City Cooperatives (PqCUC) 2. Elvira S. Dandan, Vice-Chairperson, BOD 3. Noel E. Sandil, MBM, Director 4. Raymond Joseph L. Salvador, Director 5. Cielito L. Garrido, MBA/CEO

32 Audit Management 1. Julieta F. Atienza, Vice-Chairperson, Forum Hall, PAGCOR, May 29-31 Paranaque City Union of (Compliance Seminar) Audit Committee Paranaque City Cooperatives (PqCUC) 2. Teresita S. Pascua, Secretary, Audit Com. 3. Ma. Nanette D. Bernardo, Fund Management Coordinator 4. Ma. Francisca C. Daynolo, Financial Auditor 5. Ulysis L. Hernandez, Performance Social Auditor

Seminar/Workshop on 1. Raymond Joseph L. Salvador, CLIMBS Institute for Financial June 6-7 CLIMBS Mission-Driven Social Director Literacy

Enterprises for Community 2. Cielito L. Garrido, MBA/CEO Lupon sa Edukasyon at Pagsasanay Impact

Training of Trainers 1. Alma S. Ferreros, Director Aroma Apartelle, Bgy. San June 13-15 Union of Metro Manila 2. Apolonio M. Mendoza, Jr. - Jose, Tagaytay City Cooperatives Chairperson, Com. on Business (UMMC) Development and Social Services Resource Speakers: Bureau of Speakers / COED Mr. Ted Estacio, UMMC 3. Laura D. Notarte, Member Evelyn R. , Chairperson, 4. Remedios P. Matias, Member Speakers Bureau and 5. Terersita DC Tiglao, Member Normandy Jose, EDCOM PTL/District Officers Chairperson, SDCC Speakers: 6. Benedicto G. Gaspay 7. Leonila V. Gonzaga 8. Salvador V. Cuadrato 9. Clarita R. Quiogue 10. Mary Jane D, Macapugas 11. Julita M. Carpio 12. Romeo T. Tinasas Team 28 Volunteers 13. Ofeliza V. Martinez 14. Desirei P. Tan 15. Junelyn T. Cruz 16. Josephine P. Sager 17. Maricel M. Ranola – TDD Staff

15th Asian Credit Union Cielito L. Garrido,MBA Chief Executive Bangkok, Thailand June 14-20 Asian Confederation of Credit Development Education Officer Unions (ACCU) & NATCCO Workshop

Strategic Directional 1. Garibaldi O. Leonardo, Ph.D., SDCC Seminar Room July 6-7 Union of Metro Manila Planning Phase 2 Chairperson, BOD Cooperatives (UMMC) (Compliance Seminar) 2. Elvira S. Dandan, Vice-Chairperson, Resource Speaker: Ms. Mila BOD P. Mendoza, Ph.D. 3. Marjorie P. Ablaza, Director 4. Maria Nelia Rafaela G. De Leon, Director 5. Alma S. Ferreros, Director 6. Herminio C. Hernandez, Director 7. Felipe L. Perida, Jr., Director 8. Engr. Raymond Joseph L. Salvador, Director 9. Noel E. Sandil, MBA, Director 10. Nonila S. Santos, Board Secretary 10 .Cielito L. Garrido, MBA, CEO 11. Rosalina S. Sapungan, Chairperson, Credit Committee 12. Jerrilynn L. Pilar, DPA, Chairperson, Audit Committee 13. Virginia B. Santos, Chairperson, Election Committee 14. Josephine B. Balana, Member, Credit Committee 33 15. Renato G. Dela Cruz, Chairperson, PKPTL 16. Normandy G. Jose, Chairperson, EDCOM 17. Carmelita C. Sabino, Member, Speakers Bureau/COED 18. Ma. Evelyn R. Garcia, Chairperson, Ethics Committee 19. Merla G. Calma, Chairperson, Mediation and Conciliation Com. 20. Damaso L. Cruz, Jr., Chairperson, Advisory Council 21. Evelyn R. Luching, Chairperson, Speakers Bureau /COED 22. Apolonio M. Mendoza, Jr. Chairperson, Com. On Business Development & Social Services 23. Glenn C. Cruz, Chairperson, Risk Committee 24. Marilyn J. Estrella, Chairperson, Com. On Organizational Strength 25. Ismael M. Allanaigue, Ex-Officio Member, Advisory Council 26. Maricris D. Bautista, Audit Dept. Manager 27. Vivian D. Alcantara, Finance Dept. Manager 28. Emmy R. Salvador, MIS Dept. Mngr. 29. Nelson D. Yeban, Jr., AMMR Dept. Manager 30. Marites M. Sanchez, TD Dept. Mngr. 31. Noli S. Salvador, PDMSS Dept. Mngr. 32. Elena E. Ferrer, MSS Officer 33. Elenita C. Sanchez, Accountant 34. Esmeralda D. Cortezo, Executive Asst. 35. Liezel S. Baluyut, Secretary to the

Lupon sa Edukasyon at Pagsasanay CEO

Records Management SDCC Staff SDCC Seminar Room/Board July 7, 10-14 Ms. Lea R. Gomez, HR/OD Seminar Room Consultant & Christopher Baes – NATCCO Consultancy Group

Conflict Management 1. Marjorie P. Ablaza, Director SDCC Seminar Room July 20-21 Union of Metro Manila (Compliance Seminar) 2. Maria Nelia Rafaela G. De Leon, Cooperatives (UMMC) / Director Resource Speaker: 3. Alma S. Ferreros, Director Elsie A. Remonte 4. Herminio C. Hernandez, Director 5. Felipe L. Perida, Jr., Director 6. Engr. Raymond Joseph L. Salvador, Director 7. Noel E. Sandil, MBM, Director 8. Nonila S. Santos, Board Secretary 9. Rosalina G. Sapungan, Treasurer 10.Cielito L. Garrido, MBA/Chief Executive Officer 11. Teresita S. Pascua, Secretary, Audit Com. 12. Josephine B. Balana, Chairperson, Credit Com. 13. Zenaida A. Alcantara, Member, Credit Com. 34 14. Josephine P. Sager, Member, Election Com. 15. Merla G. Calma, Chairperson, Mediation & Conciliation Com. 16. Reynaldo H. Vizcarra, Member, MedCon Comittee 17. Ma. Evelyn R. Garcia, Chairperson, Ethics Committee 18. Regina T. Orcullo, Vice-Chairperson, Ethics Committee 19. Romeo T. Tinasas, Member, Ethics Com.

20. Damaso L. Cruz, Jr., Chairperson, Lupon sa Edukasyon at Pagsasanay Advisory Council 21. Asuncion L. Pascual, Vice- Chairperson, Advisory Council 22. Angelita P. Gabriel, Member, Advisory Council 23. Gregorio D. Ygnacio, Jr., Member, Advisory Council 24. Perseverando L. Cruz, Member, Advisory Council 25. Ismael M. Allanigue, Ex-Officio Member, Advisory Council 26. Salvador V. Cuadrato, Vice- Chairperson, PKPTL 27. Clarita R. Quiogue, Treasurer, PKPTL 28. William J. Chua, Auditor, PKPTL 29. Mercedita A. Muni, Info & Educ. Officer, PKPTL 30. Nenita L. Damian, Sgt.At Arms, PKPTL 31. Normandy G. Jose, Chairperson, EDCOM, 32. Ofeliza V. Martinez, Member, EDCOM 33. Atilano G. Adlawan, Jr., Member, EDCOM 34. Evangeline A. Golen, Member, EDCOM 35. Evelyn R. Luching, Chairperson, COED / Speaker’s Bureau 36. Carmelita C. Sabino, Member, COED 37. Glenn C. Cruz, Chairperson, Risk Management Com. 38. Apolonio M. Mendoza, Jr., Chairperson, Com. On Business Development & Social Services 39. Marilyn J. Estrella, Chairperson, Com. on Organizational Strength 40. Maricris D. Bautista, Audit Dept. Manager 41. Vivian D. Alcantara, Finance Dept. Manager 42. Noli S. Salvador, PDMSS Dept. Manager 43. Marites M. Sanchez. TD Dept. Mngr. 44. Esmeralda D. Cortezo, Executive Asst. 45. Ma. Nanette D. Bernardo, Fund Management Coordinator

Records Management SDCC Staff SDCC Seminar Room/Board Aug. 7-8 Ms. Lea R. Gomez, Room HR/OD Consultant & Christopher Baes – NATCCO Consultancy Group 35 Internal Control 1. Julieta F. Atienza, Vice-Chairperson, Forum Hall, PAGCOR, Aug. 26-28 Paranaque City Union of (Compliance Seminar) Audit Committee Paranaque City Cooperatives (PQCUC) 2. Teresita S. Pascua, Secretary, Audit Resource Speaker: Committee Prof. Elenita S. Mantalaba, CPA

Leadership and Values Re- 1. Josephine P. Sager, Secretary, NATCCO Aug. 27-28 NATCCO Orientation Election Committee 227 JP Rizal St., 2. Mary Jane D. Macapugas, Member, Proj. 4, Quezon City Election Committee 3. Ma. Evelyn R. Garcia, Chairperson, Ethics Committee 4. Regina T. Orcullo, Vice-Chairperson, Ethics Committee 5. Romeo T. Tinasas, Member, Ethics Committee

Front Line Ambassadors Jan Michael C. Cundangan, Teller NATCCO Sept. 10 NATCCO (FLAs) Refresher Training 227 JP Rizal St., Proj. 4, Course Quezon City

Cooperative Management 1. Raymond Joseph L. Salvador, SDCC Satellite Office, San Sept. 17-19 Paranaque Cooperative and Governance Director Isidro, Sucat, Paranaque City Development Office (PCDO)/ (Compliance Seminar) 2. Alma S. Ferreros, Director Paranaque Federation of 3. Felipe L. Perida, Jr., Director Credit Cooperatives (PqFCC)

In-house Information 1. Gemma C. San Miguel Ramon Magsaysay Hall, 2nd Sept. 25 Social Security System (SSS) Seminar HR/OD Coordinator floor, SSS Main Bldg., East Ave., SSS Diliman, Quezon City

Records Management 1. Josephine P. Sager, Secretary, Jollibee Sucat, Brgy. San Oct. 17-18 Paranaque Livelihood (Compliance Seminar) Election Committee Antonio, Sucat Resource Management 2. Mary Jane D. Macapugas, Member, Office (PLRMO) Election Committee Resource Speaker: 3. Reynaldo H. Vizcarra, Vice- Ms. Lucy Furo

Lupon sa Edukasyon at Pagsasanay Chairperson, Mediation and Conciliation Committee 4. Romeo T. Tinasas, Member, Ethics Committee

Internal Control Workshop/ 1. Garibaldi O. Leonardo, SDCC Seminar Room Oct. 16, 21 CODIS Seminar Ph.D., Chairperson, BOD & 23 Resource Speaker 2. Marjorie P. Ablaza, Director Prof. Elenita Mantalaba 3. Alma S. Ferreros, Director 4. Felipe L. Perida, Jr., Director 5. Julieta F. Atienza, Vice-Chairman, Auditr Committee 6. Teresita S. Pascua, Secretary, Audit Committee 7. Cielito L. Garrido, MBA/CEO 8. Vivian D. Alcantara, Finance Dept., Manager 9. Mariciris D. Bautista, Satellite Operations Manager 10. Elenita C. Sanchez, Accountant 11. Nelson D. Yeban, Jr. , AMMR Dept. Manager 12. Marites M. Sanchez, Training & Development Dept. Manager 13. Noli S. Salvador, PDMSS Dept., Manager 14. Emmy R. Salvador, MIS Dept. 36 Manager 15. Ma. Cecilia D. Dela Pena, Savings Product Officer, AMMR Dept. 16. Ferlinda M. Santiago, Loan Product Officer, AMMR Dept. 17. Evangeline G. Magdaraog, Account Management Officer, AMMR Dept. 18. Elena E. Ferrer, MSS Officer, PDMSS Dept. 19. Joanna I Esperanza, Community Program & Services Officer, PDMSS

Dept. Lupon sa Edukasyon at Pagsasanay 20. Gemma C. San Miguel, HR/OD Program Coordinator 21. Ronaldo P. Bautista, Admin Services Coordinator 22. Nelson V. Union, Property Admin Coordinator 23. Ma. Francisca C. Daynolo, Financial Auditor 24. Ulysis L. Hernandez, Performance Social Auditor

Rules Formulation 1. Josephine P. Sager, Secretary, NATCCO Oct. 29-30 NATCCO, Quezon City (Compliance Seminar) Election Committee 227 JP Rizal St., Proj. 4, 2. Mary Jane D. Macapugas, Member, Quezon City Election Committee

Conflict Management Elvira S. Dandan, Vice-Chairperson, Jollibee Sucat, Brgy. San Nov. 21-22 Paranaque Federation of (Compliance Seminar) BOD Antonio, Sucat Credit Cooperatives (PqFCC)

37 Mga Bumisitang Kooperatiba, Mag-aaral at Panauhin sa Taong 2013

Date Cooperative/University/School Address No. of Participants Jan. 4 NATCCO- Desjardines International Development Project and CIDA/ NATCCO, Quezon City/ 3 Canadian Embassy Canadian Embassy 12 Ateneo De Manila University Katipunan Ave., Quezon City 4

31 Philippine NGO Support Program & VICTO Cooperative Federation and Panay Ave., Quezon City/ 40 Development Center with Officials from Province of La Union La Union Feb. 7 Polytechnic University of the Philippines (PUP) Sta. Mesa, Manila 7 De La Salle University Dasmarinas, Cavite 2 March 16 Gubat St. Anthony Cooperative Gubat, Sorsogon 9 April 19 Sindangan Facoma Community Multi-Purpose Cooperative Sindangan, Zamboanga Del Norte 17

30 Bulacan Cooperative Managers’ League, Inc. Bulacan 20 May 7 Panabo Multi-Purpose Cooperative (PMPC) Davao Del Norte 9 June 5 Ateneo De Manila University Katipunan Ave., Quezon City 5 19 Pasay Fish Dealers and Vendors Multi-Purpose Cooperative (PFDVMPC) Pasay City 4

24 COOP-NATCO Partylist Representatives COOP-NATCCO, Quezon City 3 (Dr. Anthony M. Bravo, Cong. Cresente Paez, Alex G. Almendral) 27 Polytechnic University of the Philippines (PUP) Sta. Mesa, Manila 2 July 5 San Juan Dela Cruz Parish Savings & Credit Cooperative F. Bautista St., Ugong, Valenzuela City 19 17 Agdao Multi-Purpose Cooperative Agdao, Davao City 16 Aug. 7 Socorro Empowerment Peoples Cooperative (SOEMCO) Navarro, Socorro, Surigao Del Norte 8 Sept. 16 Tubao Credit Cooperative Tubao, La Union 6 Oct. 2 Dela Salle University (Manjit Kaur) De La Salle University, Dasmarinas, Cavite 1 Lupon sa Edukasyon at Pagsasanay 4 City University of Pasay Pasadena St., F.B. Harrison, Pasay City 29 8 Paglaum Multi-Purpose Cooperative Plaridel, Misamis Occidental 10 11 La Verdad Christian College Caloocan City 6

19 Australian Researcher Australia 1 (Dr. Anthony Jensen) 29 Tourism Office of Paranaque City 8 Paranaque City Nov. 6 Masbate Group Masbate City 7 19 San Joaquin Multi-Purpose Cooperative Bgy. 1, Sarrat, Ilocos Norte 32 27 Infanta Credit and Development Cooperative Infanta, Quezon 24

Mga isasagawa sa taong 2014 : tungkulin para sa ikatatagumpay ng ating samahan. 1. Patuloy pa rin ang pagsasagawa, pag-aaral at pagrerebisa Gayundin ay nais naming pasalamatan ang mga opisyales na ng mga module para sa mga pagsasanay na ibibigay sa mga bumubuo ng ating samahan higit lalo na sa Lupong Patnugutan na kasapi, empleyado at mga opisyales. patuloy na kaakibat sa mga programang pang edukasyon para sa 2. Pagbuo o’ paggawa ng training programs para sa buong taon. ating mga kasapi, kawani at opisyales. 3. Patuloy na pagpapadala ng mga opisyales sa mga pagsasanay bilang pagtupad/ alinsunod sa R.A. 9520. Para sa Edukasyon at Pagsasanay:

Pasasalamat:

38 Maraming salamat sa ating Poong Maykapal sa pagbibigay NORMANDY G. JOSE ng gabay upang magampanan namin ng maayos ang aming mga Tagapangulo ULAT NG PAMUNUAN NG KAPULUNGAN NG MGA Member Date of Amount of Insurance POOK-TULUNGAN LIDER (PKPTL) PARA SA TAONG 2013 Death Benefit

Ang Pamunuan ng Kapulungan ng mga Pook-Tulungan Lider 1. Roman Romeo E. Rosales 01/07/13 Php55,000.00 (PKPTL) ay malugod na nag-uulat sa inyo ng mga naging kaganapan 2. Welington B. Yu 02/19/13 Php55,000.00 sa taong 2013. 3. Myrna T. Reyes 03/22/13 Php55,000.00

Ang Pook-Tulungan meeting ay regular na naidaos ng bawat Hiningi din natin ang suporta ng lahat ng mga lider upang Pook-Tulungan sa loob ng isang taon kada quarter (1st,2nd,3rd magbenta ng raffle ticket na kung saan ang papanaluhan ay house at 4th quarter). Sa pagdaraos ng mga pulong noong 2nd at 3rd and lot. quarter, nakatulong ng PKPTL ang Education Committee at ang PKPTL Training Department upang magbigay na rin ng pagsasanay Nagkaroon din ng Christmas Party ang ating mga lider noong tungkol sa New Membership System na ating ipatutupad sa taong ika-14 ng Disyembre 2013 pagkatapos ng Special Representative 2014 at Values Re-orientation sa mga kasapi. At sa huling quarter Assembly na ginanap sa Le-Sil Montesori, DASA, Sucat, Paranaque ang naging paksa naman ay ang paghahain ng Mungkahing Badyet City. para sa taong 2014. Narito ang bilang ng mga lider na nakakuha ng Performance Nagkaroon din tayo ng isang (1) Kapulungan na ginanap Incentive na halagang walong daang piso (P800.00) bawat Lider. noong Abril 6, 2013. Isa sa naging paksa ay tungkol sa COOP NATCCO PARTYLIST na isa sa mga partylist na lalahok sa election na AREA NO. OF LEADERS QUALIFIED PERCENTAGE kung saan si G. Herminio “Ka Hermie” Hernandez, isa sa founding member natin,dating general manager at kasalukuyang Board of BAYAN 279 19 7% Director, ay 3rd nominee. Hiningi natin sa mga lider ang suporta SUCAT 644 50 8% para sa candidacy natin sa partylist ganon din sa buong kasapian. MOONWALK 8 1 13% TOTAL 931 70 8% Muli tayong nakilahok sa ”Brigada Eskwela” na ginawa sa PES Central noong Mayo 20, 2013 na nilahukan ng ilan din nating Ang ating membership target para sa taong 2014 ay 4,260 mga lider,opisyales at kawani. Tumulong tayo upang malinis ang na bagong mga kasapi. Muli kami ay nananawagan sa kapwa mga silid aralan bilang paghahanda sa nalalapit na pagbubukas ng namin mga Pook-Tulungan Lider na mangalap tayo ng bagong mga klase. kasapi na nangangailangan ng serbisyo ng kooperatiba at lalong palakasin ang Pook-Tulungan System. Mayroon tayong sampung (10) lider na nagkasakit at sila ay ating dinalaw at pinagkalooban ng anim na raang piso (P600.00) Sa ngalan ng PKPTL, nais kong magpasalamat sa mga Pook- bawat isa bilang kaunting tulong ng ating kooperatiba. Ito ay sa Tulungan Lider at mga kasapi na patuloy na sumusuporta sa mga ilalim ng programa ng PKPTL “dalaw sa may sakit na lider.” gawain ng Pook-Tulungan para sa mas lalong ikatatatag ng ating kooperatiba. Mayroong naganap na sunog sa Silverio Compd.(P.T 45). Isang kasapi ang naapektuhan ng nasabing sunog at pinagkalooban din Nawa ay patuloy tayong gabayan at pagpalain ng POONG natin ng anim na raang piso (P600.00). MAYKAPAL.

Nagkaroon din tayo ng Medical Mission na ginanap noong Para sa PKPTL, ika-19 ng Hulyo taong 2013 sa San Agustin Covered Court, Brgy. Moonwalk, Paranaque City. Muli ay naging katuwang natin ang Philippine Air Force Medical Team, San Agustin Health Staff sa pakikipag-ugnayan sa Barangay Captain na si Hon. Clemente RENATO G. DELA CRUZ Advincula at sa buong Council, haircutters na mula sa Brgy. San Chairperson Antonio Livelihood, Reflexology graduate ng SDCC, mga opisyales, PKPTL, lider at mga kawani.

Narito ang bilang ng ating mga naserbisyuhan:

Bilang ng naserbisyuhan Uri ng serbisyo 255 Medical Consultation 109 Dental (bunot ng ngipin lamang) 85 Libreng gupit ng buhok 65 Libreng masahe 514 total

Ang mga PT Lider sa panahon ng kanilang panunungkulan ay sineseguro rin ng koop. Ito ay life insurance sa CLIMBS na may katumbas na benepisyong P55,000.00. Narito ang listahan ng mga 39 lider na pumanaw na at nakatanggap ng benepisyo: MEMBERSHIP REPORT AS OF DECEMBER 31, 2013

KASAPIAN SA BAWAT BARANGAY Barangay Bilang ng Kasapi %

SAN DIONISIO 5,284 31.84% SAN ISIDRO 4,033 24.30% SAN ANTONIO 2,508 15.11% BF HOMES 1,160 6.99% LA HUERTA 109 0.66% DON GALO 27 0.16% STO. NIÑO 63 0.38% TAMBO 43 0.26%

Barangay VITALEZ 16 0.10% MOONWALK 259 1.56% MARCELO GREEN 107 0.64% LAS PIÑAS 353 2.13% UNLOCATED 827 4.98% ABROAD 1,102 6.64% OTHERS (outside sphere of membership) 706 4.25% Bilang ng Kasapi KABUUAN 16,597 100.00% Membership Profile Membership

KASAPIAN AYON SA GULANG Edad Bilang ng Kasapi %

18-20 12 0.07% 21-30 1,537 9.26% 31-40 3,984 24.00% 41-50 4,304 25.93% 51-60 3,900 23.50%

Bilang ng Kasapi 61-70 1,911 11.51% 71-80 699 4.21% 81-90 ABOVE 250 1.51%

Edad KABUUAN 16,597 100.00%

Lalake 28.84% KASAPIAN AYON SA KASARIAN BABAE 11,811 71.16% LALAKE 4,786 28.84%

Babae KABUUAN 16,597 100.00% 71.16%

Prepared by: Noted by:

40 Jannette D. Gonzales Elizabeth M. Alberto Nelson D. Yeban Jr. MRS Clerk MRS Coordinator AMMr Dept. Head Talaan ng mga Pook-Tulungan Lider (Bayan Area) 2013-2014

NEW PT.NO CURRENT POSITION NAME 78 8 Chairman Mercedita S. Muni 79 Vice-Chairman Maria Cristina Santos 1 1 Chairman Dorotea D. Dela Cruz 80 Secretary Corazon Estanislao 2 Vice-Chairman Nenette Mendoza 81 Treasurer Imelda Hernandez 3 2nd Vice-Chairman Rosario Cundangan 82 Auditor Maria Cristina Latican 4 3rd Vice-Chairman Analiza Macababbad 83 Representatives Jose Lopez Jr. 5 Secretary Mechiel Aserado 84 Representatives Edna Villanueva 6 Asst.Secretary Normita Cruz 7 Treasurer Rosana Del Rosario 85 9 Chairman Dolores D. Doctor 8 Asst.Treasurer Marisol Allanigue 86 Vice-Chairman Elvira Caberos 9 Auditor Adrian Allanigue 87 2nd Vice-Chairman Nancy Brillantes Pook-Tulungan Leaders 10 Asst.Auditor Arnaldo Labao 88 3rd Vice-Chairman Lilibeth Sarita 11 Representatives Allan Allanigue 89 Secretary Marinette Labog 12 Representatives Minda Lacambra 90 Treasurer Ma.Carmelita Rodis 13 Representatives Agueda Salvador 91 Asst.Treasurer Rebecca Basilonia 14 Representatives Welmina Llevero 92 Auditor Marino Hernandez 93 Asst.Auditor Luzviminda Pavillar 15 2 Chairman Delia Sarael 94 Representatives Chazeline Caberos 16 Vice-Chairman Estelita Reyes 95 Representatives Gina Cuyos 17 3rd Vice-Chairman Belinda Maglaya 96 Representatives Jose Rodis 18 Secretary Josephine Soriano 19 Asst.Secretary Zenaida Jaramillo 97 10 Chairman Julieta R. Dimaranan 20 Treasurer Ana Maria Cecilia Dagal 98 Vice-Chairman Felicidad Reformado 21 Asst.Treasurer Susan Hernandez 99 2nd Vice-Chairman Lamberto Ferrer 22 Auditor Rowena Rodriguez 100 Secretary Liberty Lobaton 23 Asst.Auditor Jose Tuscano 101 Treasurer Tarcila Penafuerte 24 Representatives Joselito Carabeo 102 Asst.Treasurer Zenaida Sariego 25 Representatives Julita Carpio 103 Auditor Romeo Ferrer 26 Representatives Elizabeth Ramos 104 Asst.Auditor Auracista Gonzales 27 Representatives Mark Anthony Fermin 28 Representatives Ma.Lourdes Boco 105 11 Chairman Aurora P. Madolid 29 Representatives Rosalina Banguit 106 Vice-Chairman Edward De Leon 30 Representatives Mabell Carabeo 107 2nd Vice-Chairman Aurora Santos 108 Secretary Joseph Dela Cuesta 31 3 Chairman Angelie T. Bustamante 109 Asst.Secretary Rene Sarmiento 32 Secreatry Lucila Nalangan 110 Treasurer Benigna Banton 33 Auditor Erlinda De Guzman 111 Asst.Treasurer Gerardo Ongaco 34 Representatives Julita Dl. Rodriguez 112 Auditor Flordeliza Rodriguez 113 Asst.Auditor Leonora Penafuerte 35 4 Chairman Evelyn J. Garcia 114 Representatives Mildred Cuales 36 Vice-Chairman Herminia Rodriguez 115 Representatives Edwin Cuales 37 3rd Vice-Chairman Elenita Santos 38 Secretary Evangeline Cruz 116 12 Chairman Mercedita C. De Leon 39 Asst.Secretary Helen Manuel 117 Vice-Chairman Imelda San Miguel 40 Treasurer Helen Leonardo 118 2nd Vice-Chairman Elsa Predas 41 Auditor Carmelita Santos 119 3rd Vice-Chairman Sonia Aquino 120 Secretary Jocelyn Mijares 42 5 Chairman Wilfredo Dc. Alcantara 121 Asst.Secretary Sylvia Valdez 43 Vice-Chairman Catrina Alcantara 122 Treasurer Lorna Pinpin 44 2nd Vice-Chairman Mylene Angeles 123 Asst.Treasurer Rogelio Paguinto 45 Secretary Nenita Jose 124 Auditor Rodolfo Santos 46 Asst.Secretary Leonida Adriano 125 Asst.Auditor Josephine Villasante 47 Asst.Treasurer Mary Ann Leonardo 126 Representatives Luisita Santos 48 Auditor Jocelyn Mariano 49 Asst.Auditor Romeo Ferrer 127 13 Chairman Aida G. Allanigue 50 Representatives Vilma Ferrer 128 Vice-Chairman Luzviminda Santos 51 Representatives Luzviminda Bautista 129 2nd Vice-Chairman Helen Ferrer 52 Representatives Delia Bautista 130 3rd Vice-Chairman Alfonsa Faustino 53 Representatives Lory Anne Santos 131 Secretary Roberto Ventura 54 Representatives Elizabeth Cervantes 132 Asst.Secretary Richard Buenaventura 55 Representatives Rizalina Galang 133 Treasurer Roberto Bautista 56 Representatives Marrisa Cruz 134 Auditor Proceso Enriquez 57 Representatives Rosita De Leon 135 Asst.Auditor Rosario Aquino

58 6 Chairman Rebecca A. Juaneza 136 14 Chairman Salvador V. Cuadrato 59 Vice-Chairman Junelyn Cruz 137 Vice-Chairman Merlita Pacanan 60 2nd Vice-Chairman Oscar Dandan 138 2nd Vice-Chairman Veronica Hernandez 61 3rd Vice-Chairman Perlisa Abiog 139 3rd Vice-Chairman Nida Sope 62 Secretary Francisco Santos 140 Secretary Noel Cuadrato 63 Asst.Secretary Rogelio Javines 141 Asst.Secretary Teresita Sope 64 Treasurer Dulce Monina Moro 142 Treasurer Tomas Mariano 65 Asst.Treasurer Rogelio D. Senobio 143 Asst.Treasurer Leonora Espiritu 66 Asst.Auditor Lydia P. Meude 144 Auditor Susan Torres 67 Representatives Bernardita D. Dandan 145 Asst.Auditor Ma.Gina Estantilla 146 Representatives Orico Macatangay 68 7 Chairman Escolastica B. Unisan 147 Representatives Agapita Gomez 69 Vice-Chairman Mario Bongato 148 Representatives Marcela Reyes 70 2nd Vice-Chairman Marissa Gonzales 149 Representatives Angelica Ramirez 71 3rd Vice-Chairman Susana Bernardo 150 Representatives Corazon Garces 72 Secretary Marilou Llamas 151 Representatives Mary Jennifer Bonostro 73 Asst.Secretary Julieta Lorenzo 152 Representatives Amelia Sta.Ana 74 Treasurer Mary Grace San Jose 75 Asst.Treasurer Edna Bernardo 153 15 Chairman Arman A. Paulino 76 Auditor Arsenia Biggayan 154 Vice-Chairman Mariquita Crisostomo 41 77 Representatives Ma.Theresa Floresca 155 2nd Vice-Chairman Glacy Doncillo 156 3rd Vice-Chairman Laura Jimenez 157 Secretary Archangel Santos 219 Asst.Auditor Melodina Sayson 158 Asst.Secretary Nelda Barin 220 Representatives Lydia Digap 159 Treasurer Melina Cruz 221 Representatives Susana Salamia 160 Asst.Treasurer Flordeliza Dolom 222 Representatives Sherly Digap 161 Auditor Charina Dela Cruz 223 Representatives Nelia Urquico

162 16 Chairman Miriam S. Cruz 224 21 Chairman Angelita M. Umali 163 Vice-Chairman Jocelyn Cruz 225 2nd Vice-Chairman Alicia Altavano 164 Secretary Gloria Cruz 226 Secretary Grace Gullas 165 Asst.Secretary Milagros Guando 227 Asst.Secretary Lolita Calising 166 Treasurer Dolores Espanol 228 Treasurer Jaime Sanchez 167 Asst.Treasurer Marife Duran 229 Auditor Mario Maramo 168 Auditor Karen Agao 230 Asst.Auditor Leonida Pangdan 231 Representatives Analiza Bante 169 17 Chairman Dante A. Dela Cruz 232 Representatives Patria Servera 170 Vice-Chairman Wilson Haylar 233 Representatives Carmelita Sanchez 171 2nd Vice-Chairman Eulalia Hutcheon 172 Secreatry Lorna Vivar Paez 234 22 Chairman Virginia A. Calastre 173 Asst. Secretary Purificacion Gutierrez 235 Vice-Chairman Annaliza A. Odena 174 Treasurer Blanquita Roa 236 2nd Vice-Chairman Clarita G. Legaspi 175 Asst. Treasurer Ricamel Buenavista 237 3rd Vice-Chairman Jennifer C. Perez 176 Auditor Federico Santos Jr. 238 Secretary Juancho Perez 239 Asst.Secretary Regina C. Cavero 177 18 Chairman Benedicto G. Gaspay 240 Treasurer Wilhelmina Perez 178 Vice-Chairman Ma.Eva Peralta 241 Asst.Treasurer Edna C. Literato 179 2nd Vice-Chairman Shirley Diaz 242 Auditor Mellien Capucion 180 3rd Vice-Chairman Imelda Olid 243 Asst.Auditor Emma I. Abadiano 181 Secretary Arvin Gaspay 244 Representatives Carlos D. Llaneta 182 Asst.Treasurer Emelita Rebustes 245 Representatives Amalia N. Pagliawan 183 Auditor Buenaventura Orculo 246 Representatives Ronald O. Dela Cruz 184 Asst.Auditor Leonida Hayagan 185 Representatives Jojie Antipas 247 23 Chairman Edilberto M. Camposano 186 Representatives Elizabeth Villaluz 248 Vice-Chairman Celsa Batara 187 Representatives Vicente Sumarago 249 2nd Vice-Chairman Ma.Alma Caiban 188 Representatives Ma.Blessie Estramadura 250 3rd Vice-Chairman Rosemarie Dalida 189 Representatives Victor Bisuela 251 Secretary Ester Mallari 190 Representatives Darwin Gaspay 252 Asst.Secretary Amelia Lagasca

Pook-Tulungan Leaders Pook-Tulungan 191 Representatives Emma Guerrero 253 Treasurer Gloria Arroyo 254 Asst.Treasurer Juna Agana 192 19 Chairman Pilar M. Nolasco 255 Auditor Analy Camacho 193 Vice-Chairman Juanita Bambilla 256 Asst.Auditor Francisca Batara 194 2nd Vice-Chairman Jennifer Ramos 257 Representatives Rosalinda Seguerra 195 3rd Vice-Chairman Benjamin Bambilla 258 Representatives Ma.Corazon Peras 196 Secretary Ma.Myra Cruz 197 Asst.Secretary Frederick Infante 259 24 Chairman Teresita Dc. Tiglao 198 Treasurer Ma.Cristina Bareng 260 Vice-Chairman Antonio Silverio 199 Asst.Treasurer Melissa Cruz 261 2nd Vice-Chairman Joselito Dela Cruz 200 Auditor Anastacia Encelan 262 3rd Vice-Chairman Maria Lanie Racca 201 Asst.Auditor Jenelyn Javier 263 Secretary Mercedita Nate 202 Representatives Precilla Narvaez 264 Asst.Secretary Violeta Astorga 203 Representatives Maurice Raymundo 265 Treasurer Gina Fernandez 204 Representatives Princess Shane Infante 266 Auditor Marilou Buergo 205 Representatives Consolacion Infante 267 Representatives Josefina Rodriguez 206 Representatives Rosalina De Leon 268 Representatives Ma.Grace Balano 207 Representatives Ma.Shirley Nunez 269 Representatives Raidah Pabico 208 Representatives Jocelyn Borromeo 270 Representatives Gilda Agacer 209 Representatives Rosalina Gregorio 271 25 Chairman Alicia B. Ruiz 210 20 Chairman Bella P. Buenavides 272 Vice-Chairman Annabelle Ontuca 211 Vice-Chairman Noel O. Ongkiatco 273 2nd Vice-Chairman Richard L. Garay 212 2nd Vice-Chairman Violeta Buenavides 274 Secretary Raul G. Guzman 213 3rd Vice-Chairman Mary Jane Balbag 275 Asst.Secretary Erlinda B. Cura 214 Secretary Mary Jane Baeno 276 Treasurer Serafin R. Villar 215 Asst.Secretary Merlina Manibale 277 Asst.Treasurer Donaire S. Pedrito 216 Treasurer Charita Guerrero 278 Auditor Emma R. Manuel 217 Asst.Treasurer Gilda Alcazar 279 Asst.Auditor Margie D. Tambis 218 Auditor Jenny Manlangit

42 Talaan ng mga Pook-Tulungan Lider (Sucat Area) 2013-2014

NEW PT.NO CURRENT POSITION NAME 79 Auditor Teresita B. Lobo 80 Asst.Auditor Armida R. Montances 1 26 Chairman Nenita L. Damian 81 Representatives Loreta S. Garcia 2 Vice-Chairman Estrella Catarata 82 Representatives Candelaria P. Castillo 3 2nd Vice-Chairman Johnny Carbonell 83 Representatives Gloria C. Alminaza 4 3rd Vice-Chairman Gina Agustin 84 Representatives Christine A. Belleza 5 Secretary Jevy Arceo 85 Representatives Lina S. Dordas 6 Asst.Secretary Erlinda Chavarria 86 Representatives Lourdes C. Buenafe 7 Treasurer Belinda Aclam 87 Representatives Myrna J. Suarez 8 Asst.Treasurer Irma Aguirre 88 Representatives Salome M. Banaag 9 Auditor Antolin Cabille 89 Representatives Bernadeth C. Abiertas 10 Asst.Auditor Amancia Montales 90 Representatives Gleceria M. Olorvida Pook-Tulungan Leaders 11 Representatives Ceclia De Leon 91 Representatives Leticia A. Primavera 92 Representatives Lorna L. Relatos 12 27 Chairman Anicia A. Abocado 93 Representatives Elizabeth M. De Luna 13 Vice-Chairman Marlon Cortez 14 2nd Vice-Chairman Cristina Cortez 94 33 Chairman Richelle F. Francisco 15 3rd Vice-Chairman Eduardo Padilla 95 Vice-Chairman Rovelyn T. Flores 16 Secretary Carmelita R. Santos 96 2nd Vice-Chairman Janette S. Tinga 17 Asst.Secretary Wilfredo Sorolla 97 3rd Vice-Chairman Servillano C. Martin 18 Treasurer Alicia Sablaon 98 Secretary Lolita E. De Leon 19 Asst.Treasurer Melba Sandoval 99 Asst.Secretary Venniz A. Gabato 20 Auditor Haidi Pajanconi 100 Asst.Treasurer Belen D. Guzman 21 Asst.Auditor Julieta Bantaculo 101 Auditor Ma.Rita M. Carillo 22 Representatives Esmeralda Del Valle 102 Asst.Auditor Candelaria G. Formanes 23 Representatives Enrique Sablaon 103 Representatives Elvira R. Cuevas 24 Representatives Tarcela Cruz 104 Representatives Ramona G. Cruz 105 Representatives Milagros R. Himan 25 28 Chairman Veronica T. Aberion 106 Representatives Meliodina O. Lumabi 26 2nd Vice-Chairman Maria Estela Dela Cruz 107 Representatives Cecilia C. Diaz 27 3rd Vice-Chairman Veronidia Larona 108 Representatives Arlene S. Legaspi 28 Secretary Susan Tabaco 109 Representatives Juliet O. Prado 29 Treasurer Baby Girl Tirona 110 Representatives Jerry P. Melarpis 30 Asst.Treasurer Alejandra Tirona 111 Representatives Roderick L. Austria 31 Auditor Elvira Rosete 112 Representatives Noverica Amar 32 Representatives Valerie Aberion 113 Representatives Bernadeth D. Vinluan 33 Representatives Socorro Tating 114 34 Chairman Renato G. Dela Cruz 34 29 Chairman Jeannette Martin 115 Vice-Chairman Sofia Tangco 35 2nd Vice-Chairman Susan Chua 116 2nd Vice-Chairman Ann Marie M. Dela Cruz 36 3rd Vice-Chairman Concordia Gregorio 117 3rd Vice-Chairman Erlinda Dela Cruz 37 Secretary Elizabeth Aquino 118 Asst.Secretary Marcelo Dela Cruz 38 Asst.Secretary Nolita De Leon 119 Treasurer Lourdes Dela Cruz 39 Treasurer Violeta Cruz 120 Asst.Treasurer Numeriano D. Dela Cruz 40 Asst.Treasurer Eufemia Soriano 121 Auditor Bernadette Galano 41 Auditor Genevieve Vizcarra 122 Asst.Auditor Aniceta Ecleo Pastor 42 Asst.Auditor Lawrence Cruz 123 Representatives Marlene C. San Jose 43 Representatives Cecilia Medina 124 Representatives Mary Ann Tranquilino 44 Representatives Esmeraldo Castro 125 Representatives Anita B. Ygnacio 45 Representatives Carmen Dizon 126 Representatives Francisco G. Dela Cruz

46 30 Chairman Donna C. Perolina 127 35 Chairman Babylinda L. Legaspi 47 Vice-Chairman Chinamie Solas 128 Vice-Chairman Jeffrey Raymundo 48 2nd Vice-Chairman Angelica Delos Reyes 129 2nd Vice-Chairman Merlin Maldia 49 Secretary Rona Briz 130 3rd Vice-Chairman Ana Marie Cruz 50 Asst.Secretary Mary Grace Consuegra 131 Secretary Adela Panis 51 Treasurer Bayani Briz 132 Asst.Secretary Elizabeth Estrada 52 Asst.Treasurer Alfreda Basarte 133 Treasurer Rosario Escoto 53 Auditor Katherine Cruz 134 Asst.Treasurer Ma.Flordeliza Abrina 54 Asst.Auditor Mary Grace De Lima 135 Auditor Analyn Abundo 55 Representatives Victoria Cortez 136 Asst.Auditor Emma Peralta 56 Representatives Corazon Salvador 137 Representatives Banie Estrada 138 Representatives Perla Dela Cruz 57 31 Chairman Jerry M. Santos 139 Representatives Eva Reyes 58 Vice-Chairman Glenda San Pedro 140 Representatives Roman Romeo E. Rosales (Deceased - 1/7/2013) 59 3rd Vice-Chairman Renita Mortel 141 Representatives Myrna Tuazon 60 Asst.Secretary Belen Sace 142 Representatives Bambi Dela Fuente 61 Treasurer Aster Zerna 143 Representatives Ernesto Legaspi 62 Asst.Treasurer Yolanda Cruz 144 Representatives Rosalie Nunez 63 Auditor Lilia Garcia 145 Representatives Gundina Rosales 64 Asst.Auditor Emmie Arauban 146 Representatives Gemma Peralta 65 Representatives Alberto Sace 147 Representatives Helen Dela Cruz 66 Representatives Marietta Tagalog 148 Representatives Antonio Reyes 67 Representatives Marisa Marino 68 Representatives Adelina Abella 149 36 Chairman Maricel S. Sabado 69 Representatives Leni Salas 150 Vice-Chairman Isabel M. Zara 70 Representatives Lucila Tolentino 151 2nd Vice-Chairman Cecilia Valenzuela 152 3rd Vice-Chairman Norberto Abogado 71 32 Chairman Elvira D. Bolbes 153 Secretary Javier Enero 72 Vice-Chairman Virgie Alogon 154 Asst.Secretary Ma. Lourdes G. Romualdo 73 2nd Vice-Chairman Leany B. Bico 155 Treasurer Virgincita S. Enero 74 3rd Vice-Chairman Melanie L. Catalan 156 Asst.Treasurer Gilberto Butual 75 Secretary Lelinda D. Gregorio 157 Auditor Sandra Geria 76 Asst.Secretary Josephine M. Tolentino 158 Asst.Auditor Melba H. Bacongan 43 77 Treasurer Bernadeth C. Flores 159 Representatives Ma. Ferie G. San Jose 78 Asst.Treasurer Catalino B. Banaag 160 Representatives John C. Alejandro 161 Representatives Teotima M. Ellaga 244 44 Chairman Erlinda Borromeo 162 Representatives Orlando Dc. Silverio 245 Secretary Elpidio Lina 163 Representatives Ma. Adelaida S. Manzano 246 Asst.Secretary Norma Varquez 247 Treasurer Lilia Tabirao 164 37 Chairman Estelita F. Pambago 248 Asst.Treasurer Estrella Pinili 165 Vice-Chairman Victoria R. Lleve 249 Auditor Divina Alcantara 166 2nd Vice-Chairman Annblyth H. Felipe 167 3rd Vice-Chairman Marlito C. Calsis 250 45 Chairman Leonila V. Gonzaga 168 Secretary Victoria S. Del Valle 251 Vice-Chairman Rosario Collantes 169 Asst.Secretary Remedios O. Valencia 252 2nd Vice-Chairman Salve Tenorio 170 Treasurer Elizabeth E. Bonifacio 253 3rd Vice-Chairman Daisy Pastrana 171 Asst.Treasurer Judy Therese G. Cablao 254 Secretary Ledwina Amba 172 Auditor Bon Abegail V. Esperanza 255 Treasurer Ma.Alma Galupo 173 Asst.Auditor Jackquelyn S. Relox 256 Asst.Treasurer Desiree Tan 174 Representatives Teoderick B. Salamat 257 Auditor Nancy Accad 175 Representatives Carlos P. Aquino 258 Asst.Auditor Marites Mendina 176 Representatives Rosalina Libunao 259 Representatives Marlyn Nicolas 177 Representatives Marianita P. Damian 260 Representatives Angelita Acerden 178 Representatives Nerissa Salamat 261 Representatives Mansueta Romero 262 Representatives Levy Zapanta 179 38 Chairman Elena L. Bonifacio 263 Representatives Marina Alatraca 180 Vice-Chairman William A. Hidalgo 264 Representatives Rustico Bianzon 181 2nd Vice-Chairman Constancia Magsino 265 Representatives Susana Bonto 182 Secretary Ester E. Hidalgo 266 Representatives Lolita Habulan 183 Asst.Secretary Basilisa Sarong 267 Representatives Jesusa Eliorda 184 Treasurer Felipa Roberto 268 Representatives Elsie Las Pinas 185 Asst.Treasurer Gondelina Rola 269 Representatives Mary Jane Mahilom 186 Asst.Auditor Joel Fabella 270 Representatives Nieves Tagum 271 Representatives Trinidad Bianzon 187 39 Chairman Marjorie L. Faundo 272 Representatives Bonifacia Capecinio 188 3rd Vice-Chairman Arlene Calamba 273 Representatives Lilian Katimpo 189 Asst.Secretary Cynthia Benisano 274 Representatives Heidi Lim 190 Treasurer Merle Artiga 275 Representatives Cesario Capecinio 191 Asst.Treasurer Paz Layo 276 Representatives Bernadeth Jomoc 192 Auditor Pascual Calamba 277 Representatives Leonila Marpa 193 Representatives Eduardo San Jose 278 Representatives Rafaela Catamora 194 Representatives Noemi P. Cutanda

Pook-Tulungan Leaders Pook-Tulungan 279 46 Chairman Erlinda Dr. Ngo 195 40 Chairman Mabel C. Veloso 280 Vice-Chairman Luisito D. Santos 196 Vice-Chairman Danilo B. Briones 281 2nd Vice-Chairman Jovita Palines 197 2nd Vice-Chairman Gilda A. Obemio 282 3rd Vice-Chairman Michael R. Del Rosario 198 3rd Vice-Chairman Rose Marie Angeles 283 Secretary Almarien Ferreros 199 Secretary Anthony O. Laborte 284 Asst.Secretary Erlinda G. Callosa 200 Asst.Secretary Rudina G. Sobinsky 285 Treasurer Enrique M. Ferreros 201 Treasurer Rosa A. Abanador 286 Auditor Ma. Luisa M. Calleja 202 Asst.Treasurer Mariza Minon 287 Representatives Precilla Datus 203 Auditor Evelyn Pascual 288 Representatives Marisa De Leon 204 Asst.Auditor Edith A. Manal 289 Representatives Marina Revilla 205 Representatives Victor C. Catapang 290 Representatives Ilenita Santos 206 Representatives Yolanda O. Santos 291 Representatives Enrique Angelo S. Ferreros 207 Representatives Teresita Ferrer 292 Representatives Milagros Ngo 208 Representatives Annavil P. Laborte 293 Representatives Evelyn Nocon 209 Representatives Billy Rey Obemio 294 Representatives Caren Areola 210 Representatives Vilma Laborte 295 Representatives Vilma H. Tagnipes 211 Representatives Sunny K. Loriezo 212 Representatives Denia Erea 296 47 Chairman Nieves T. Manicio 297 Vice-Chairman Gloria Corral 213 41 Chairman Edgardo P. Aboga 298 3rd Vice-Chairman Marites Lamparero 214 Vice-Chairman Miguel Mejia 299 Secretary Marilou Manicio 215 2nd Vice-Chairman Dionisio Jr. Pasuquin 300 Treasurer Gregoria A. Ramos 216 3rd Vice-Chairman Winefrida Nicolas 301 Asst.Treasurer Hermy B. Esplana 217 Secretary Catherine Cusay 302 Auditor Amalia M. Dela Cruz 218 Treasurer Delia Aragon 303 Asst.Auditor Anaconeta Glorioso 219 Asst.Treasurer Nicanor Bauca 304 Representatives Epifanio Mendoza 220 Auditor Alice Lopez 305 Representatives Maria Teresa B. Durana 221 Asst.Auditor Grace Mondejar 306 Representatives Apolonio Mendoza, Jr. 222 Representatives Rodolfo Gamayo 307 Representatives Analiza Mendoza 223 Representatives Ofelia Jauco 224 Representatives Alan Pasuquin 308 48 Chairman Zosimo M. Nicolas 225 Representatives Belinda Mejia 309 Vice-Chairman Ma.Theresa Nicolas 226 Representatives Adela Silva 310 2nd Vice-Chairman Jimmy Aragon 311 3rd Vice-Chairman Lea Carabeo 227 42 Chairman Edith G. Quiambao 312 Secretary Jun Jun Nicolas 228 Vice-Chairman Edelyn Ramirez 313 Asst.Secretary Julita Abillada 229 Secretary Alicia Delgado 314 Treasurer Ma.Theresa Faustino 230 Asst.Secretary Flor Guevara 315 Asst.Treasurer Adelaida Leal 231 Treasurer Jonathan Aldin Ramirez 316 Auditor Teresita Sigua 232 Auditor Ruth Tan 317 Representatives Rebecca Sigua

233 43 Chairman Elizabeth Dc. Marges 318 49 Chairman William J. Chua 234 Vice-Chairman Rizalina Dela Cruz 319 Vice-Chairman Lolita Chua 235 2nd Vice-Chairman Rozalyn Dc. Quimora 320 2nd Vice-Chairman Maria Cristina Manzano 236 3rd Vice-Chairman Josefina Golong 321 Secreatry Emilia Manzano 237 Asst.Secretary Angelo De Jesus 322 Treasurer Ma.Paz Meneses 238 Treasurer Marcela Lasic 323 Auditor Vilma Alpuerto 239 Auditor Josefina Dela Cruz 240 Representatives Maria Dela Cruz 324 50 Chairman Elenita R. Macabuag 44 241 Representatives Generosa Arediano 325 Vice-Chairman Raquel Sta. Ana 242 Representatives Consuelo Co 326 2nd Vice-Chairman Annabelle O. Bracamonte 243 Representatives Gina Pascua 327 3rd Vice-Chairman Danilo Catubay 328 Secretary Josephine D. Bracamonte 411 Auditor Elaine Christine Alcantara 329 Asst.Secretary Bernardo Dc. De Leon 412 Asst.Auditor Jaime B. Asido 330 Treasurer Elvira S. De Leon 413 Representatives Mariza C. Legaspi 331 Asst.Treasurer Ailene Villalura 414 Representatives Domingo Q. Llamado 332 Auditor Rolando Enimedes 415 Representatives Norma Maxima Panem 333 Asst.Auditor Jocelyn Villa 416 Representatives Alona Labaco 334 Representatives Norberto E. Manzures 417 Representatives Jenelita J. Fortades 335 Representatives Gloria Leonardo 418 Representatives Eduardo Penganon 336 Representatives Lourdes Reyes 337 Representatives Irma Dr. Salvo 419 58 Chairman Vilma J. Atibagos 338 Representatives Jacinto M. Santos 420 Vice-Chairman Mila Fabriag 339 Representatives Angel C. Macabuag 421 2nd Vice-Chairman Salvacion Mendoza 422 3rd Vice-Chairman Lolita Varias 340 51 Chairman Jocelyn P. Tabilin 423 Secretary Margarita Ablaza

341 Vice-Chairman Leticia Gerado 424 Asst.Secretary Aleth Longcop Pook-Tulungan Leaders 342 2nd Vice-Chairman Belen Flores 425 Treasurer Violeta Balbalosa 343 3rd Vice-Chairman Jeffrey Lopez 426 Asst.Treasurer Gerardo Diaz 344 Secreatry Deo Valderama 427 Auditor Erlinda Lazaro 345 Asst.Secretary Myrna T. Reyes (Deceased – 2/22/2013) 428 Asst.Auditor Eleuterio Bonifacio 346 Treasurer Rosalina Tango 347 Asst.Treasurer Elvira Amparo 429 59 Chairman Marites O. Castillo 348 Auditor Marivic D. Martinez 430 Vice-Chairman Delia A. Sabocor 349 Asst.Auditor Criselda Monato 431 2nd Vice-Chairman Artemio Soriano 350 Representatives Ligaya Villalobos 432 3rd Vice-Chairman Lina Zalun 351 Representatives Priscilla Lucto 433 Asst.Secretary Elpidio Sabocor 352 Representatives Adelaida Manalili 434 Treasurer Ma.Theresa Sabocor 353 Representatives Juanita Tantoco 435 Asst.Treasurer Leonora Paulino 354 Representatives Julita Laverde 436 Auditor Werly Avila 355 Representatives Helen Salamia 437 Asst.Auditor Emerenciana S. Adonis 356 Representatives Lourdes V. Pullon 438 Representatives Pepito G. Gacu 439 Representatives Susan Nullas 357 52 Chairman Ma.Corazon B. Pilapil 440 Representatives Amparo Brosas 358 Vice-Chairman Wenifreda German 441 Representatives Dolores Nuevaespana 359 2nd Vice-Chairman Victoria Yu 360 3rd Vice-Chairman Wellington B. Yu (Deceased – 2/19/2013 ) 442 60 Chairman Joseph L. Agravante 361 Secretary Rachelli De Guia 443 Vice-Chairman Toribio M. Catalasan 362 Asst.Secretary Avelina Lisondra 444 2nd Vice-Chairman Louie Cruz 445 Secretary Evelyn Vicente 363 53 Chairman Josefina B. Lopez 446 Treasurer Resulyn Ocenar 364 Vice-Chairman Rosa Santos 447 Auditor Eutropia G. Narra 365 2nd Vice-Chairman Praxedes Villanueva 366 3rd Vice-Chairman Marissa Bernardino 448 61 Chairman Jean T. Espin 367 Secretary Zenaida Go 449 Vice-Chairman Lucito David 368 Treasurer Nolita Abenir 450 2nd Vice-Chairman Nathaniel D. Manlangit 369 Asst.Treasurer Febe Nactor 451 3rd Vice-Chairman Jeaneth T. Hababag 370 Asst.Auditor Dominador Bautista 452 Secretary Erlinda J. Junio 371 Representatives Bernard Frances S.Aguillon 453 Asst.Secretary Alicia A. Raza 372 Representatives Elmer Lumabi 454 Treasurer Jeannie Dr. Bulatao 455 Asst.Treasurer Flordeliza C. Tique 373 54 Chairman Aurora M. Shodhnani 456 Asst.Auditor Sally Suarez 374 Vice-Chairman Maria Christina Gomez 457 Representatives Aida A. Rizardo 375 2nd Vice-Chairman Jovita Matibag 458 Representatives Renato B. Roda 376 3rd Vice-Chairman Tito Rivera 377 Treasurer Antonina Peras 459 62 Chairman Pamela S. Delgado 378 Asst.Treasurer Zenaida Santos 460 2nd Vice-Chairman Asuncion R. Santos 379 Auditor Evangeline Duquiatan 461 3rd Vice-Chairman Erlinda M. Madrid 380 Asst. Auditor Cherrylyn Tan 462 Secretary Dominador V. Francisco 381 Representatives Neil Arm Medrano 463 Asst.Secretary Justino B. Atienza 382 Representatives Leonardson Gomez 464 Asst.Treasurer Concordio N. Espinoza Jr 383 Representatives Maria Lagaran 465 Auditor Perla Tubale 384 Representatives Anacorita Laporre 466 Asst.Auditor Carmencita S. Mariano 467 Representatives Henry M. Gado 385 55 Chairman Amelia D. Reyes 468 Representatives Marcelo M. Vida 386 Vice-Chairman Jesus Gorobat Jr. 469 Representatives Judy M. Paraiso 387 2nd Vice-Chairman Melynor Reyes 470 Representatives Remigio S. Mariano 388 3rd Vice-Chairman Francisco Parcotelo Jr. 471 Representatives Estelita V. Vida 389 Secretary Nenita Cristobal 472 Representatives Francisca G. Olaguir 390 Asst.Secretary Ma.Salome Firman 473 Representatives Edwin P. Dela Cruz 391 Treasurer Lolita Parcotelo 474 Representatives Antonio P. Dona Jr. 392 Asst.Treasurer Illuminada Cayubit 475 Representatives Mary Ann T.Tubale 393 Auditor Elnora Yeban 476 Representatives Lydia Manigbas 394 Asst.Auditor Joveliza Caimbon 477 Representatives Susana E. Gado 395 Representatives Anita Dasulbo 478 63 Chairman Alfredo S. Bugayong 396 56 Chairman Clarita R. Quiogue 479 Vice-Chairman Sebastian Dc. Austria 397 Vice-Chairman Nancy Pagador 480 2nd Vice-Chairman Nilda M. Caugma 398 2nd Vice-Chairman Pacita Bote 481 3rd Vice-Chairman Lucia C. Tangi 399 Secretary Eugenio Bote 482 Secretary Benilyn C. Ramos 400 Asst.Secretary Benida Tigson 483 Asst.Secretary Jennet S.Rulona 401 Treasurer Modesto Tamondong 484 Treasurer Bartolome C. Flores Jr. 402 Auditor Ma. Araceli Quiogue 485 Asst.Treasurer Lilia S. Nicol 403 Asst.Auditor Luzminda Flores 486 Auditor Marlene T. Nariz 404 Representatives Jane Campo 487 Asst.Auditor Marita G. Esguera 405 Representatives Leonita Bilog 488 Representatives Renato Avila 489 Representatives Eugenio H. Abellera Jr. 406 57 Chairman Arminda L. Talamor 490 Representatives Belen Avila 407 Vice-Chairman Corazon Alcantara 491 Representatives Julie Santiago 408 3Rd Vice-Chairman Carmelita Rivera 492 Representatives Lariza Diosaban 45 409 Treasurer Iluminada O. Asido 493 Representatives Ma. Gina Villafuerte 410 Asst.Treasurer Roberto N. Legaspi 494 Representatives Efren Diosaban 495 Representatives Myrna A. Jacinto 580 Representatives Michael G. Maisog 581 Representatives Trinidad C. Abarquez 496 64 Chairman Cynthia P. Gutierrez 582 Representatives Ma.Ana Santos 497 Vice-Chairman Jocelyn Dajang 583 Representatives Nenita Macatangay 498 2nd Vice-Chairman Nilda Palana 584 Representatives Jollie Ann Manio 499 3rd Vice-Chairman Tirso A. Austriaco 585 Representatives Rosita M. Piniano 500 Secretary Marilou Austriaco 501 Asst.Secretary Dorilyn Dalanon 586 69 Chairman Demetria Enriquez 502 Treasurer Delia Degala 587 Vice-Chairman Ireneo A. Gonzales 503 Auditor Maricel Casupang 588 2nd Vice-Chairman Ria Antonio 504 Asst.Auditor Tony Bawa 589 3rd Vice-Chairman Teresita Evangelista 505 Representatives Aniceta A. Hagape 590 Secretary Donavil A. Pascual 506 Representatives Luz Quinones 591 Asst. Secretary Nenita Pahed 507 Representatives Gloria Maisog 592 Treasurer Emerlina R. Tinasas 508 Representatives Lilia Obra 593 Asst.Treasurer Romeo T.Tinasas 509 Representatives Fidencio Palana 594 Auditor Belen Santos 510 Representatives Nilo Hagape 595 Asst.Auditor Maria Pureza Butial 511 Representatives Leah Bawa 596 Representatives James Ross Butial 512 Representatives Estrella Guzman 597 Representatives Camela Chan 513 Representatives Jevy Baylon 598 Representatives Flordeliza R. Tiamzon 514 Representatives Oscar Quinones 515 Representatives Geraldine Entico 599 70 Chairman Gemma G. Vizcarra 516 Representatives Gina Leveriza 600 Vice-Chairman Reynaldo Vizcarra 517 Representatives Teresita Arado 601 2nd Vice-Chairman Wilfredo Paulino 518 Representatives Carina A. Marcial 602 3rd Vice-Chairman Fely Villamin 603 Secretary Patricio Ramiro 519 65 Chairman Nelson A. Bunol 604 Asst.Secretary Milet Sylvia Binas 520 Vice-Chairman Geraldine I. Ilagan 605 Treasurer Eduardo Calma 521 2nd Vice-Chairman Marietta Dg. Lopez 606 Asst.Treasurer Merla Calma 522 3rd Vice-Chairman Roger Carreon 607 Auditor Tita Zarate 523 Secretary Inocencio B. Abar 608 Asst.Auditor Adelaida Atienza 524 Asst.Secretary Ma.Fe Villamer 609 Representatives Paciencia R. Brion 525 Treasurer Annaliza Carreon 610 Representatives Lilibeth Inamac 526 Asst.Treasurer Ma.Elsa Grafil 611 Representatives Brigida Blanco 527 Auditor Demetrio Jarabillo 612 Representatives Lorena Obias 528 Asst.Auditor Edna T. Macapugas 613 Representatives Leonisa Cruz 529 Representatives Josephine A. Felias

Pook-Tulungan Leaders Pook-Tulungan 530 Representatives Luzviminda J. Medalla 614 71 Chairman Rosalina Dc. Demafelis 531 Representatives Teresita G. Malong 615 Vice-Chairman Rosie Arandez 532 Representatives Jose Roger N. Talamor 616 Secretary Rommel Estevez 533 Representatives Leonardo Jr. C. Roque 617 Asst.Secretary Isidra Inventor 534 Representatives Teresita J. Videna 618 Asst.Treasurer Paulino Tomo Jr. 535 Representatives Dauglas C.Moran 619 Auditor Melisa Afable 536 Representatives Angel O. Magbanua 620 Asst.Auditor Gloria Sarmiento 537 Representatives Lilibeth H. Fajardo 621 Representatives Judylyn Quintans 622 Representatives Nenita Quintans 538 66 Chairman Lorenciana Dc. Vivo 623 Representatives Relly Fuentes 539 Vice-Chairman Imelda Guden 624 Representatives Leonilo Encina 540 2nd Vice-Chairman Rodolfo Vivo 625 Representatives Nene Encina 541 3rd Vice-Chairman Evangeline De Jesus 626 Representatives Armando Allequir 542 Secretary Ma.Cristina Avila 627 Representatives Rosita Carandang 543 Asst.Secretary Marivic Jacinto 628 Representatives Nenita Cabulong 544 Treasurer Cecilia Burlat 629 Representatives Eduardo Cruz Sr. 545 Asst.Treasurer Corazon A. Nicolas 630 Representatives Carina Carabot 546 Auditor Cyrus Abeleda 631 Representatives Nenealiza Austria 547 Asst.Auditor Jean Caculangan 632 Representatives Jocelyn Rabia 548 Representatives Rosario C. Guzman 633 Representatives Norma Milar 549 Representatives Jayzon Nicolas 634 Representatives Marita Pozo 550 Representatives Emily Logdat 551 Representatives Ma.Theresa Unas 635 72 Chairman Jovita S. Verallo 552 Representatives Diosdada Bolak 636 Vice-Chairman Marivic Rufino 553 Representatives Anita Iliw-Iliw 637 2nd Vice-Chairman Beatriz Antipon 554 Representatives Ellen Moss 638 3rd Vice-Chairman Lea Dumagat 555 Representatives Emelda Yadao 639 Secretary Julita Fabros 640 Asst.Secretary Gemma Benitez 556 67 Chairman Felimon S. Fuentes 641 Treasurer Eugene Franz Verallo 557 Vice-Chairman Margarita Cerrada 642 Asst.Treasurer Ligaya Damasco 558 2nd Vice-Chairman Epifania Oballas 643 Auditor Angela Malilin 559 3rd Vice-Chairman Christopher Oballas 644 Representatives Alice Padailap 560 Secretary Leopoldo Gutierrez 561 Asst.Secretary Alicia Timones 645 73 Chairman Esmeralda B. Palana 562 Treasurer Julieta Bernardino 646 Vice-Chairman Rolando M. Bulaong 563 Auditor Kathrina Timones 647 2nd Vice-Chairman Zenaida B. Castillo 564 Asst.Auditor Cecilia Kalacas 648 3rd Vice-Chairman Marlon T. Ofiaza 565 Representatives Moises Sd. Mendoza 649 Secreatry Francisco Jaramillo 566 Representatives Nieves Corpuz 650 Asst. Secretary Edwina A. Santos 567 Representatives Gloria Pacumbala 651 Treasurer Emilia S. Jaramillo 568 Representatives Epifania Viray 652 Auditor Victoria T. Opis

569 68 Chairman Luis Dm. Porcia 570 Vice-Chairman Josephine Dayang 571 2nd Vice-Chairman Elena L. Navarro 572 3rd Vice-Chairman Purita F. Delizo Area Bilang ng mga Pook Tulungan Lider 573 Secretary Melba Reyes 574 Asst.Secretary Germelina Gallardo Bayan Area 279 575 Treasurer Ofeliza Martinez Sucat Area 644 576 Asst.Treasurer Margarita B. Carino 46 577 Auditor Felicidad Canicosa Moonwalk 8 578 Asst.Auditor Enrique Joves Total 931 579 Representatives Nyree M. Zambrano

STATEMENT OF MANAGEMENT’S RESPONSIBILITY FOR FINANCIAL STATEMENTS

Financial Report The management of SAN DIONISIO CREDIT COOPERATIVE is responsible for all information and representations contained in the financial statements for the years ended December 31, 2013 and 2012. The financial statements have been prepared in accordance with Financial Reporting Standards applicable to Cooperatives in the Philippines and reflect amounts that are based on the best estimates and informed judgment of management with an appropriate consideration to materiality.

In this regard, management maintains a system of accounting and reporting which provides for the necessary internal controls to ensure that transactions are properly authorized and recorded, assets are safeguarded against unauthorized use or disposition and liabilities are recognized.

The Board of Directors reviews the financial statements before such statements are approved and submitted to the members of the cooperative.

Ma. Elma Ilagan-Ame, the independent auditor and appointed by the Board of Directors, has examined the financial statements of the cooperative in accordance with the Philippines Standards on Auditing and the Standard Audit Systems for Cooperatives and has expressed her opinion on the fairness of presentation upon completion of such examination, in her report to the members of the cooperative.

GARIBALDI O. LEONARDO, Ph.D. CIELITO L. GARRIDO, MBA Chairperson Chief Executive Officer

ROSALINA G. SAPUNGA N Trea surer

47 STATEMENT OF MANAGEMENT ’S RESPONSIBILITY FOR ANNUAL INCOME TAX RETURN

The Management of SAN DIONISIO CREDIT COOPERATIVE is responsible for all information and representations contained in the Annual Income Tax Return for the year ended December 31, 2013. Management is likewise responsible for all information and representations contained in the financial statements accompanying the (Annual Income Tax Return or Annual Information Return) covering the same reporting period. Furthermore, the Management is responsible for all information and representations contained in all the other tax returns filed for the reporting period, including, but not limited, to the value added tax and/or percentage tax returns, withholding tax returns, documentary stamp tax returns, and any and all other tax returns.

In this regard, the Management affirms that the attached audited financial statements for the year ended December 31, 2013 and the accompanying Annual Income Tax Return are in accordance with the books and

Financial Report records of SAN DIONISIO CREDIT COOPERATIVE, complete and correct in all material respects. Management likewise affirms that:

a. the Annual Income Tax Return has been prepared in accordance with the provisions of the National Internal Revenue Code, as amended, and pertinent tax regulations and other issuances of the Department of Finance and the Bureau of Internal Revenue;

b. any disparity of figures in the submitted reports arising from the preparation of financial statements pursuant to financial accounting standards and the preparation of the income tax return pursuant to tax accounting rules has been reported as reconciling items and maintained in the company’s books and records in accordance with the requirements of Revenue Regulations No. 8-2007 and other relevant issuances;

c. SAN DIONISIO CREDIT COOPERATIVE has filed all applicable tax returns, reports and statements required to be filed under Philippine tax laws for the reporting period, and all taxes and other impositions shown thereon to be due and payable have been paid for the reporting period, except those contested in good faith.

GARIBALDI O. LEONARDO, Ph.D. CIELITO L. GARRIDO, MBA Chairperson Chief Executive Officer

ROSALINA G. SAPUNGAN Treasurer

48 M. I. AME ACCOUNTING OFFICE

STATEMENT OF REPRESENTATION

TO THE COOPERATIVE DEVELOPMENT AUTHORITY:

Financial Report In connection with my examination of the financial statements of the SAN DIONISIO CREDIT COOPERATIVE covering the period ended December 31, 2013 that are herewith submitted to the Cooperative Development Authority, I hereby represent the following:

1. That said financial statements herewith attached are prepared and presented in conformity with the financial reporting standards applicable to cooperatives in the Philippines;

2. That in the conduct of my audit, I adhered to the Philippine Standards on Auditing and the Standard Audit System for Cooperatives (SASC) as required by the Cooperative Development Authority;

3. That I am qualified as provided for in Section 8 of the Code of Professional Ethics for Certified Public Accountants and Article 81 of R.A. No. 9520 (Cooperative Code of the Philippines);

4. That I am fully aware of my responsibility as an independent auditor for the audit report issued and attached to the financial statements and the sanctions to be bestowed on me for my misrepresentations that I may have willingly or unwillingly committed;

5. That I nor any member of my immediate family do not have any direct or indirect financial interest with the cooperative;

6. That I am not an employee nor an officer of a secondary cooperative or tertiary cooperative of which this cooperative is a member;

7. That I am not an employee of the Cooperative Development Authority nor have I engaged an employee of the CDA in the course of audit;

8. That I make representation in my individual capacity;

9. That I am a member of the Cavite Chapter of the PICPA.

It is however, understood that my accountability is based on matter within the normal coverage of an audit conducted in accordance with Philippine Standards on Auditing and the Standard Audit Systems for Cooperatives.

MA. ELMA L. ILAGAN-AME CPA No. 79047 BOA Reg. No. 0195 ( valid until December 31, 2016 ) TIN No. 134-550-503-000 PTR No. CAV4587633A , January 3, 2014, Trece Martires City, Cavite SEC Accreditation No. 0448-AR-1 ( Category C ) ( January 18, 2013 to January 17, 2016 ) BIR Accreditation No. 09-002142-1-2011 ( December 8, 2011 to December 14, 2014 ) CDA Accreditation No. 0001 ( November 18, 2013 to November 17, 2016 )

12 February 2014 49

No. 6 Madlansacay St., Silang, Cavite 4118 Telefax No. (046) 865-0553 M. I. AME ACCOUNTING OFFICE M. I. AME ACCOUNTING OFFICE

INDEPENDENT AUDITOR’S REPORT STATEMENT REQUIRED BY SECTION 8-A, REVENUE REG. NO. V-20

TO THE GENERAL ASSEMBLY THRU THE BOARD OF DIRECTORS TO THE GENERAL ASSEMBLY SAN DIONISIO CREDIT COOPERATIVE THRU THE BOARD OF DIRECTORS 0554 Quirino Avenue San Dionisio Paranaque City SAN DIONISIO CREDIT COOPERATIVE 0554 Quirino Avenue San Dionisio Paranaque City I have audited the accompanying financial statements of SAN DIONISIO CREDIT COOPERATIVE which comprise the statements of financial condition as at December 31, 2013 I have audited the financial statements of SAN DIONISIO CREDIT COOPERATIVE for the and 2012, and the related statements of operations, statements of changes in equity and statements calendar year ended December 31, 2013 , on which I have rendered my report dated February 12, 2014. of cash flows for the years then ended, and a summary of significant accounting policies and other Financial Report explanatory notes. In compliance with Section 8-A, Revenue Regulation V-20, I am stating the following:

1. That the taxes paid or accrued by the above taxpayer for the year ended December 31, 2013 are shown in the schedule of taxes and licenses attached to the income tax return. Management’s Responsibility for the Financial Statements

2. That I am not related by consanguinity or affinity to the Management and Members of the Board Management is responsible for the preparation and fair presentation of these financial statements in of Directors; accordance with Financial Reporting Standards applicable to Cooperatives in the Philippines, taking into consideration Cooperative laws,rules, regulations and principles. This responsibility 3. That I, as the Principal/ Managing Director of M. I. Ame Accounting Office, or my staff, have no includes: designing, implementing and maintaining internal control relevant to the preparation and financial interest to the Cooperative or any family relationships with its management. fair presentation of financial statements that are free from material misstatements, whether due to fraud or error; selecting and applying appropriate accounting policies; and making accounting estimates that are reasonable in the circumstances.

Auditor’s Responsibility MA. ELMA L. ILAGAN-AME CPA No. 79047 My responsibility is to express an opinion on these financial statements based on my audit. I BOA Reg. No. 0195 ( valid until December 31, 2016 ) conducted my audit in accordance with Philippine Standards on Auditing . Those standards require TIN No. 134-550-503-000 that I comply with ethical requirements and plan and perform the audit to obtain reasonable PTR No. CAV4587633A , January 3, 2014, Trece Martires City, Cavite assurance whether the financial statements are free from material misstatements. SEC Accreditation No. 0448-AR-1 ( Category C ) ( January 18, 2013 to January 17, 2016 ) BIR Accreditation No. 09-002142-1-2011 ( December 8, 2011 to December 14, 2014 ) An audit involves performing procedures to obtain audit evidence about the amounts and CDA Accreditation No. 0001 ( November 18, 2013 to November 17, 2016 ) disclosures in the financial statements. The procedures selected depend on the auditor’s judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control 12 February 2014 relevant to the entity’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

I believe that the audit evidence I have obtained is sufficient and appropriate to provide a basis for my audit opinion.

50

No. 6 Madlansacay St., Silang, Cavite • Telefax No. (046) 865-0553 No. 6 Madlansacay St., Silang, Cavite • Telefax No. (046) 865-0553 M. I. AME ACCOUNTING OFFICE

INDEPENDENT AUDITOR’S REPORT

Financial Report TO THE GENERAL ASSEMBLY THRU THE BOARD OF DIRECTORS SAN DIONISIO CREDIT COOPERATIVE 0554 Quirino Avenue San Dionisio Paranaque City

I have audited the accompanying financial statements of SAN DIONISIO CREDIT COOPERATIVE which comprise the statements of financial condition as at December 31, 2013 and 2012, and the related statements of operations, statements of changes in equity and statements of cash flows for the years then ended, and a summary of significant accounting policies and other explanatory notes.

Management’s Responsibility for the Financial Statements

Management is responsible for the preparation and fair presentation of these financial statements in accordance with Financial Reporting Standards applicable to Cooperatives in the Philippines, taking into consideration Cooperative laws,rules, regulations and principles. This responsibility includes: designing, implementing and maintaining internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatements, whether due to fraud or error; selecting and applying appropriate accounting policies; and making accounting estimates that are reasonable in the circumstances.

Auditor’s Responsibility

My responsibility is to express an opinion on these financial statements based on my audit. I conducted my audit in accordance with Philippine Standards on Auditing . Those standards require that I comply with ethical requirements and plan and perform the audit to obtain reasonable assurance whether the financial statements are free from material misstatements.

An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

I believe that the audit evidence I have obtained is sufficient and appropriate to provide a basis for my audit opinion.

51

No. 6 Madlansacay St., Silang, Cavite • Telefax No. (046) 865-0553 Opinion

In my opinion, the financial statements present fairly, in all material respects, the financial position of SAN DIONISIO CREDIT COOPERATIVE as of December 31, 2013 and 2012, and of its financial performance, changes in equity, and its cash flows for the years then ended in accordance with Financial Reporting Standards applicable to Cooperatives in the Philippines, taking into consideration Cooperative laws, rules, regulations and principles.

Report on the Bureau of Internal Revenue Requirement

My audit was conducted for the purpose of forming an opinion on the basic financial statements taken as a whole. The supplementary information on taxes and licenses in the related notes the financial statements is presented for the purposes of filing with Bureau of Internal Revenue and is not a required part of the basic financial statements. Such information is the responsibility of Financial Report management and has been subjected to the auditing procedures applied in my audit of the basic financial statements. In my opinion, the information is fairly stated in all material respects in relation to the basic financial statements taken as a whole.

MA. ELMA L. ILAGAN-AME CPA No. 79047 BOA Reg. No. 0195 ( valid until December 31, 2016 ) TIN No. 134-550-503-000 PTR No. CAV4587633A , January 3, 2014, Trece Martires City, Cavite SEC Accreditation No. 0448-AR-1 ( Category C ) ( January 18, 2013 to January 17, 2016 ) BIR Accreditation No. 09-002142-1-2011 ( December 8, 2011 to December 14, 2014 ) CDA Accreditation No. 0001 ( November 18, 2013 to November 17, 2016 )

12 February 2014

52 SAN DIONISIO CREDIT COOPERATIVE 0554 Quirino Avenue San Dionisio Paranaque City

STATEMENTS OF FINANCIAL CONDITION As of December 31, 2013 and 2012 (Amounts in Philippine Pesos)

Notes 2013 2012

ASSETS Current Assets Cash and Cash Equivalents 2,5 118,687,483.43 91,642,242.34 Short - Term Investments 2,6 64,583,120.05 11,822,914.40 Loans Receivables 2,7 585,747,089.12 605,742,880.71 Other Receivables 2,8 19,980,718.22 18,407,427.91 Inventory 2,9 3,694,261.57 3,023,932.05 Unused Office Supplies 2,10 394,608.20 129,465.60 Prepaid Expenses 2,11 1,932,653.40 1,614,668.09 Total Current Assets 795,019,933.99 732,383,531.10 Non-current Assets Long - Term Investments 2,12 48,403,087.70 29,362,602.41 Property, Plant and Equipment (net) 2,13 65,086,165.06 20,883,654.75 Investment Property 2,14 61,890,455.30 55,366,952.78 Investments in Subsidiaries/ Joint Ventures 2,27 7,689,247.87 2,550,100.00 Other Non- Current Assets 2,15 49,541,088.61 30,176,717.91 Total Non-Current Assets 232,610,044.54 138,340,027.85 TOTAL ASSETS 1,027,629,978.53 870,723,558.95

LIABILITIES AND EQUITY LIABILITIES Current Liabilities Deposit Liabilities 2,16 632,734,200.43 490,031,196.26 Interest on Share Capital Payable 2,25 4,876,037.76 14,132,043.43 Patronage Refund Payable 2,25 2,427,235.04 6,399,659.35 Due to Unions/Federations 2,25 1,142,061.99 1,568,607.89 Loans Payable Short-term 2,17 5,912,314.68 5,898,047.14 Other Current Liabilities 2,18 11,952,815.79 5,178,989.28 Total Current Liabilities 659,044,665.69 523,208,543.35 Non-Current Liabilities Members' Benefit and Other Funds Payable 2,19 25,604,387.91 29,796,478.43 Loans Payable-Long-term 2,17 - 28,585,758.34 Other Non-current Liabilities 2,20 672,805.48 672,805.48 Total Non-Current Liabilities 26,277,193.39 59,055,042.25 TOTAL LIABILITIES 685,321,859.08 582,263,585.60

EQUITY Share Capital 2,21 263,144,457.83 247,004,010.62 Donations/Grants 2 857,402.98 860,168.85 264,001,860.81 247,864,179.47 Statutory Funds Reserve Fund 2,22,25 31,713,267.18 29,299,780.03 Cooperative Education and Training Fund 2,22,25 841,620.06 1,871,564.55 Community Development Fund 2,22,25 1,762,695.78 2,222,902.51 Optional Fund 2,22,25 8,046,267.29 7,201,546.79 Total Statutory Funds 42,363,850.30 40,595,793.88 Unrealized Gains/ Losses 2,28,29 35,942,408.34 -

TOTAL EQUITY 342,308,119.45 288,459,973.35 TOTAL LIABILITIES AND EQUITY 1,027,629,978.53 870,723,558.95

See Accompanying Notes to Financial Statements. 53 SAN DIONISIO CREDIT COOPERATIVE 0554 Quirino Avenue San Dionisio Paranaque City

STATEMENTS OF OPERATIONS For the years ended December 31, 2013 and 2012 (Amounts in Philippine Pesos)

Notes 2013 2012 REVENUE

Income from Credit Operations 71,417,713.38 74,485,025.76 Income from Investments 5,454,882.39 4,560,193.86 Income from Consumer Operations 889,827.40 1,015,384.29 Income from Drug Store Operations 736,371.40 (69,594.04) Other Income 2,23 16,079,228.99 22,431,376.35 TOTAL INCOME 94,578,023.56 102,422,386.22

FINANCING COSTS Interest Expense on Time Deposits 8,594,932.05 9,358,802.88 Interest Expense on Savings Deposits 1,578,169.57 2,801,806.43 Interest Expense on Koop-paluwagan 1,760.82 3,320.84 Interest Expense on Sinag Deposit 8,505,123.33 5,039,346.21 Interest Expense on Borrowings 2,524,987.66 2,087,811.94 TOTAL FINANCING COSTS 21,204,973.43 19,291,088.30

ADMINISTRATIVE COSTS 2,24 61,061,748.43 53,981,217.92

DONATIONS AND GRANTS SUBSIDY 11,666.68 35,000.04

NET SURPLUS FROM OPERATIONS 12,322,968.38 29,185,080.04

EXTRAORDINARY ITEMS Gain on Sale of Acquired Assets 21,665.85 (6,783.08) Prior Year Adjustments (277,198.51) 368,779.88 TOTAL EXTRAORDINARY ITEMS (255,532.66) 361,996.80

NET SURPLUS 12,067,435.72 29,547,076.84

DISTRIBUTED AS FOLLOWS: Reserve Fund 2,22,25 2,413,487.14 2,954,707.68 Cooperative Education and Training Fund 2,22,25 603,371.79 1,477,353.84 Due to Unions/ Federations 2,25 603,371.79 1,477,353.84 Community Development Fund 2,22,25 362,023.07 886,412.31 Optional Fund 2,22,25 844,720.50 2,068,295.38 Interest on Share Capital 2,25 5,068,323.00 14,478,067.65 Patronage Refund 2,25 2,172,138.43 6,204,886.14 NET SURPLUS AS DISTRIBUTED 12,067,435.72 29,547,076.84

See Accompanying Notes to Financial Statements.

54 SAN DIONISIO CREDIT COOPERATIVE(CONSUMER OPERATIONS) 0554 Quirino Avenue San Dionisio Paranaque City

STATEMENTS OF OPERATIONS For the years ended December 31, 2013 and 2012 (Amounts in Philippine Pesos)

2013 2012

SALES 15,485.20 96,666.62

COST OF SALES Beginning Inventory 508,238.90 531,503.20 Purchases (Net of returns and discounts) - 3,846.00 Cost of Goods Available for Sale 508,238.90 535,349.20 Ending Inventory 499,835.96 (508,238.90) Cost of Goods Sold 8,402.94 27,110.30

GROSS INCOME 7,082.26 69,556.32

OTHER INCOME Income from Bayad Center 511,392.98 610,735.37 Income from Service Fee- PLDT 51,540.50 60,815.70 Income from Western Union 37,513.64 67,537.49 Income from Coop Assurance 264,601.02 206,739.41 Income from Smart Money and Load 17,697.00 - Total 882,745.14 945,827.97

INCOME FROM CONSUMER OPERATIONS 889,827.40 1,015,384.29

See Accompanying Notes to Financial Statements.

55 SAN DIONISIO CREDIT COOPERATIVE(BOTICA DE SAN DIONISIO) 0554 Quirino Avenue San Dionisio Paranaque City

STATEMENTS OF OPERATIONS For the years ended December 31, 2013 and 2012 (Amounts in Philippine Pesos)

2013 2012

SALES 19,293,442.26 19,547,576.97

COST OF SALES Beginning Inventory 2,515,693.15 2,606,368.34 Purchases (Net of Return and discounts) 17,034,350.51 17,280,739.99 Cost of Goods Available for Sale 19,550,043.66 19,887,108.33 Ending Inventory (3,194,425.61) (2,515,693.15) Cost of Goods Sold 16,355,618.05 17,371,415.18

Gross Income before Other Income 2,937,824.21 2,176,161.79 Add: Income from Investment 3,455.45 6,503.89 Commission Income 26,784.00 44,171.50 GROSS INCOME AFTER OTHER INCOME 2,968,063.66 2,226,837.18

EXPENSES Salaries and wages 853,738.54 827,680.03 Employees' benefits 272,770.69 291,848.14 Power, light and water 358,298.12 381,242.00 Depreciation and amortization 188,310.41 196,453.25 Office Supplies 76,813.75 92,384.25 Retirement Benefit 75,031.40 108,108.15 SSS/ECC/PhilHealth/HDMF contributions 58,867.10 58,531.60 Miscellaneous Expense 62,672.69 48,523.60 Travel and Transportation 164,995.16 130,571.41 Communication Expense 16,795.23 19,492.99 Insurance Expense 26,269.24 37,520.02 Repairs and Maintenance 7,770.25 6,067.90 Taxes and Licenses 22,836.43 7,914.50 General Support Expense 44,932.25 57,313.00 Representation Expense 1,591.00 4,489.00 Total Expenses 2,231,692.26 2,268,139.84

INCOME FROM OPERATIONS 736,371.40 (41,302.66) Add(deduct) prior year adjustment - (28,291.38)

INCOME FROM DRUG STORE OPERATIONS 736,371.40 (69,594.04)

See Accompanying Notes to Financial Statements.

56 SAN DIONISIO CREDIT COOPERATIVE 0554 Quirino Avenue San Dionisio Paranaque City

STATEMENTS OF CHANGES IN EQUITY For the years ended December 31, 2013 and 2012 (Amounts in Philippine Pesos)

Notes 2013 2012

SHARE CAPITAL Authorized 5,000,000 shares at Php 100 par value Balance at beginning of year 247,004,010.62 233,257,860.92 Add: Receipts from Payment of Subscription 23,786,901.14 22,737,635.55 Total 270,790,911.76 255,995,496.47 Less: Adjustments 7,646,453.93 8,991,485.85 Balance at end of year 2,21 263,144,457.83 247,004,010.62

DONATIONS/GRANTS Balance at beginning of year 860,168.85 818,322.59 Add: Receipts 8,900.81 124,352.67 Total 869,069.66 942,675.26 Less: Depreciation Charged to Donations and Grants Subsidy 11,666.68 82,506.41 Balance at end of year 2 857,402.98 860,168.85

STATUTORY FUNDS Reserve Fund Balance at beginning of year 29,299,780.03 14,143,089.66 Add: Allocation from Net Surplus 2,413,487.14 2,954,707.68 Total 31,713,267.18 17,097,797.34 Adjustments Transfer from Social Fund Loan Protection - 5,000,000.00 Adjustment of Land purchased from Optional Fund - 7,201,982.69 Balance at end of year 2,22,25 31,713,267.18 29,299,780.03

Cooperative Education and Training Fund Balance at beginning of year 1,871,564.55 1,432,741.63 Add: Allocation from Net Surplus 603,371.79 1,477,353.84 Total 2,474,936.34 2,910,095.47 Less: Expenditures/adjustments (1,633,316.28) (1,038,530.92) Balance at end of year 2,22,25 841,620.06 1,871,564.55

Community Development Fund Balance at beginning of year 2,222,902.51 1,678,083.54 Add: Allocation from Net Surplus 362,023.07 886,412.31 Total 2,584,925.58 2,564,495.84 Less: Expenditures (822,229.80) (341,593.33) Balance at end of year 2,22,25 1,762,695.78 2,222,902.51

Optional Fund Balance at beginning of year 7,201,546.79 5,133,251.41 Add: Allocation from Net Surplus 844,720.50 2,068,295.38 Total 8,046,267.29 7,201,546.79 Adjustments - - Balance at end of year 2,22,25 8,046,267.29 7,201,546.79 TOTAL STATUTORY FUNDS 42,363,850.30 40,595,793.88

UNREALIZED GAINS/LOSSES

Balance at beginning of year - - Revaluation Reserves - Land 2,28,29 35,369,075.00 unrealized gains on investment with Coop NATCCO 2,12 573,333.34 - Balance at end of year 35,942,408.34 -

TOTAL EQUITY 342,308,119.45 288,459,973.35 57

See Accompanying Notes to Financial Statements. SAN DIONISIO CREDIT COOPERATIVE 0554 Quirino Avenue San Dionisio Paranaque City

STATEMENTS OF CASH FLOWS For the years ended December 31, 2013 and 2012 (Amounts in Philippine Pesos)

Notes 2013 2012

CASH FLOWS FROM OPERATING ACTIVITIES Net Surplus 12,067,435.72 29,547,076.84 Adjustments to reconcile net surplus to net cash provided by operating activities 2,13,14,15 Depreciation- PPE Credit 2,593,509.56 2,338,491.02 Depreciation- Investment Property- Credit 1,336,497.48 1,277,648.15 Depreciation- Botica - 162,669.41 Amortization of Bayad Center Franchise- Credit 1,120.00 13,440.00 Amortization of Franchise- Botica 8,445.41 33,783.84 Amortization of computerization cost 146,025.45 - Amortization of Business Development Cost 12,222.24 12,222.24 Provision for probable losses on loans 10,000,000.00 6,342,000.00 Write off of receivables (2,987,466.36) (1,995,473.80) Operating Income before Working Capital Changes 23,177,789.50 37,731,857.70 Changes in Assets and Liabilities Decrease (Increase) in: Loans and Receivables 2,7 12,983,257.95 (19,218,407.25) Inventories 2,9 (670,329.52) 113,939.49 Short term investments (52,186,872.31) (4,716,154.80) Unused Office Supplies 2,10 (265,142.60) 358,575.20 Other Current Assets 2,6,8,11 (1,573,290.31) (4,839,385.89) Prepaid expenses (317,985.31) (315,479.06) Increase (Decrease) in: Deposit Liabilities 2,16 142,703,004.17 36,004,589.65 Due to Unions/ Federations 2,25 (1,029,917.69) (1,907,083.05) Interest on Share Capital Payable 2,25 (14,324,328.66) (13,373,150.96) Loan payable short term 14,267.54 - Patronage Refund Payable 2,25 (6,144,562.74) (5,640,072.05) Other Payables-Current 2,18 6,773,826.51 2,936,630.94 Net cash provided by (used in) operating activities 109,139,716.53 27,135,859.92

CASH FLOWS FROM INVESTING ACTIVITIES Net Additions to Investments 2,12 (19,040,485.29) (15,393,836.98) Acquisitions of Property and Equipment 2,13 (11,426,944.87) (4,413,644.61) Acquisitions of Investment Property 2,14 (7,860,000.00) (362,960.00) Additions to computerization cost (75,000.00) - Additions to Investments in Subsidiaries/ Joint Ventures 2,26 (5,139,147.87) Decrease(Increase) in Other Non-Current Assets 2,15 (19,457,183.80) (493,027.50) Net cash provided by (used in) investing activities (62,998,761.83) (20,663,469.09)

CASH FLOWS FROM FINANCING ACTIVITIES Net Changes in Share Capital 2,21 16,140,447.21 13,746,149.70 Net Changes in Donations/Grants 2 (2,765.87) 41,846.26 Increase(Decrease) in Non-current liabilities 2,20 (4,192,090.52) (4,921,425.98) Increase in ( Payments of) Long-term Loans payable 2,17 (28,585,758.34) 34,483,805.48 Change in Statutory Funds 2,22,25 (2,455,546.08) 10,821,858.43 Net cash provided by (used in) financing activities (19,095,713.60) 54,172,233.89

NET INCREASE IN CASH AND CASH EQUIVALENTS 27,045,241.09 60,644,624.72 ADD: CASH AND CASH EQUIVALENTS, JANUARY 1 91,642,242.34 30,997,617.62

CASH AND CASH EQUIVALENTS, DECEMBER 31 118,687,483.43 91,642,242.34 58 See Accompanying Notes to Financial Statements. SAN DIONISIO CREDIT COOPERATIVE 0554 Quirino Avenue, San Dionisio, Parañaque City

NOTES TO FINANCIAL STATEMENTS As of December 31, 2013 (Amounts in Philippine Pesos) Notes to Financial Statement 1. GENERAL INFORMATION

The SAN DIONISIO CREDIT COOPERATIVE (SDCC) was organized and registered on July 28, 1961 as San Dionisio Cooperative Credit Union ( SDCCUI). SDCCUI started with 28 original members with Php 380.00 share capital. Subsequently, it was registered with the Cooperative Administration Office ( CAO) and the Bureau of Cooperative Development ( BACOD) on September 8, 1961 and February 21, 1975, respectively.

The Cooperative has evolved from a credit cooperative into a multi-purpose cooperative, retaining the name of SAN DIONISIO CREDIT COOPERATIVE. It was later registered with the Cooperative Development Authority ( CDA) in compliance with R.A. 6938 per Registration/Confirmation No. MLA-C922-091, issued on Sept. 20, 1991. With the promulgation of R.A. 9520, otherwise known as the "Philippine Cooperative Code of 2008", the Cooperative was issued its new Registration No 9520-160000729 , on October 16, 2009.

The Cooperative was issued a Certificate of Good Standing No. MEO - CGS-2011-179 on April 6, 2011. Further, SDCC was granted by the Bureau of Internal Revenue in its letter dated August 5, 2010 tax exemption privileges for all taxes and fees imposed under the national internal revenue laws and other laws pursuant to Article 60 of RA 9520, as implemented by Section 3 of Revenue Regulation No. 20-2011

The financial statements of the cooperative as of December 31, 2013 ,were authorized for issue by its management and board of directors on February 12, 2014.

2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

To facilitate the understanding of the financial statements, the more significant accounting policies and practices of the Cooperative are summarized as follows:

2.1 Basis of Preparation of Financial Statements

The Cooperative's financial statements have been prepared on a historical cost basis in accordance with the Financial Reporting Standards applicable to cooperatives in the Philippines, taking into consideration Cooperative laws, rules, regulations and principles.

2.1.1 Functional Currency

Items included in the financial statements of the cooperative are measured using the currency that best reflects the economic substance of the underlying events and circumstances relevant to the Cooperative. The financial statements are presented in Philippine Peso which is the Cooperative's functional and presentation currency, and all values are rounded to the nearest peso except when otherwise indicated.

2.2 Statement of Compliance

The financial statements were prepared in accordance with the generally accepted accounting principles in the Philippines referred to as the Statements of Financial Accounting Standards ("SFAS"), revised based on Philippine Accounting Standards ("PAS"), which became effective for annual reporting periods beginning on or before January 1, 2005, and in adherence to the cooperative laws, issued policies, rules and regulations and cooperative principles and practices whenever applicable. 59 2.3 Accounting Policies Adopted

PAS 1 - Presentation of Financial Statements PAS 2 - Inventories PAS 7 - Cash Flow Statement PAS 8 - Accounting Policies, Changes in Accounting Estimates and Errors PAS 10 - Events after Balance Sheet Date PAS 16 - Property, Plant and Equipment PAS 18 - Revenue PAS 19 - Employee Benefits PAS 24 - Related Party Transactions PAS 32 - Financial Instruments: Disclosure and Presentation PAS 36 - Impairment of Assets PAS 38 - Intangible Assets PAS 39 - Financial Instruments: Recognition and Measurement PAS 40 - Investment Property

PAS 1 - Presentation of Financial Statements

Sets out the overall requirements for Financial Statement presentation, structure and content. The Standard requires the entity to present separate classifications for current and non-current assets and liabilities. PAS 2 - Inventories

Prescribes the accounting treatment for inventories

PAS 7 - Cash Flow Statement Requires the provision of information about the historical changes in cash and cash equivalents of an entity Notes to Financial Statement by means of a cash flow statement which classifies cash flows during the period from operating, investing and financing activities.

PAS 8 - Accounting Policies, Changes in Accounting Estimates and Errors

Prescribes the criteria for selecting and changing accounting policies, together with the accounting treatment and disclosure of changes in accounting estimates and corrections of errors.

PAS 10 - Events After Balance Sheet Date

The standard is applied in the accounting for, and disclosure of events after balance sheet date.

PAS 16 - Property, Plant and Equipment

Prescribes the accounting treatment for property, plant and equipment and related disclosure requirements. It clarifies that the principal issues in accounting for property, plant and equipment are the recognition of the assets, the determination of their carrying amounts and the depreciation charges and impairment losses to be recognized in relation to them.

PAS 18 - Revenue

Revenue is recognized when it is probable that the future economic benefits will flow to the entity and these benefits can be reliably measured.

PAS 19 - Employee Benefits

Prescribes the accounting and disclosure for employee benefits. The Standard requires an entity to recognize a liability when an employee has provided service in exchange for employee benefits to be paid in the future; and an expense when the entity consumes the economic benefit arising from service provided 60 by an employee in exchange for employee benefits. PAS 24 - Related Party Transactions

This standard applies in: (a) identifying related party relationships transactions; (b) identifying outstanding balances between an entity and its related parties; identifying the circumstances in which disclosures to be made about these items.

PAS 32 - Financial Instruments: Disclosure and Presentation Notes to Financial Statement Prescribes the disclosure requirement of each kind of financial instrument and its proper presentation.

PAS 36 - Impairment of Assets

This standard applies in accounting for the impairment of assets other than those covered by separate standards.

PAS 38 - Intangible Assets

Prescribes the accounting treatment for Intangible Assets not dealt with specifically in another Standard

PAS 39 - Financial Instruments: Recognition and Measurement

Prescribes the accounting procedures and principles for the recognition and measurement of financial instruments, both financial assets and financial liabilities.

PAS 40 - Investment Property

Prescribes the accounting treatment and disclosure requirements for Investment Property

Cash and Cash Equivalents

Cash includes cash on hand and in banks. Cash equivalents are short-term, highly liquid investments that are readily convertible to known amounts of cash and with original maturities of three months or less and that are subject to an insignificant risk of change in value.

Financial Assets

Financial assets are recognized in the Cooperative's financial statements when the Cooperative becomes a party to the contractual provisions of the instrument. Transaction costs are included in the initial measurement of all financial assets.

The Cooperative derecognizes a financial asset only when the contractual rights to the cash flows from the asset expire; or it transfers the financial asset and substantially all the risks and rewards of ownership of the asset to another entity. If the Cooperative neither transfers nor retains substantially all the risks and rewards of ownership and continues to control the transferred asset, the Cooperative recognizes its retained interest in the asset and an associated liability for amounts it may have to pay. The Cooperative's financial assets include cash and trade and other receivables.

Loans and receivables

Loans and receivables are non-derivative financial assets with fixed or determinable payments that are not quoted in an active market. The carrying amount of the asset shall be reduced either directly or through the use of an allowance account. The amount of the loss shall be recognized in profit or loss.

Loans receivable are classified as current and non-current or past due accounts. These are further sub- classified as regular loan receivable and special loan receivable. Interest income on these loans are recognized only upon collections. 61 Loans receivable are presented in the financial statement at its realizable value. Provision for probable losses is estimated based on historical loss experience, current economic conditions and other risk factors obtained during the collection process. Credit review is made periodically by an officer duly delegated with such responsibility.

Allowance for probable losses

Allowance for probable losses is maintained at a level considered adequate to provide for potential losses on loans and other resources. The allowance is increased by provision charged to operations and reduced by net write-offs and reversals. The level of allowance is set up at the higher of the amount determined based on management's evaluation of potential losses after consideration of prevailing and anticipated economic conditions.

Investment in Non-Marketable Equity Securities (INMES)

Investments in Non-Marketable Equity Securities (INMES) are investments in equity instruments that do not have quoted market price in an active market and whose fair value cannot be reliably measured. After initial recognition, they are measured at cost. A gain or loss arising from the change in fair value of the INMES shall be recognized in profit or loss when the security is derecognized or impaired.

Inventories

Inventories are assets which are held for sale in the ordinary course of the business. They are valued at the lower of cost and net realizable value.

Property and Equipment Notes to Financial Statement

Property and equipment are carried at cost less accumulated depreciation, amortization and impairment in value.

Expenditures incurred after the property and equipment have been put into operation, such as repairs and maintenance, are normally charged to income in the period the costs are incurred. In situations where it can be clearly demonstrated that the expenditures have resulted in an increase in the future economic benefits expected to be obtained from the use of an item of property and equipment beyond its originally assessed standard of performance, the expenditures are capitalized as additional costs of property and equipment.

When assets are retired or otherwise disposed of, the cost and the related accumulated depreciation, amortization and impairment loss, if any, are removed from the accounts and any resulting gain or loss is credited or charged to current operations.

Depreciation is calculated on a straight-line basis over the estimated useful lives of the assets which range from 1-10 years.

Fully depreciated assets are retained in the accounts until they are disposed, and no further charge for depreciation is made in respect to those assets. Any gain resulting from their disposal is included in the statement of operations for the period.

62 Revaluation of Land

In 2013, the Cooperative has opted to adopt the Revaluation Model in accounting for its Land for the purposes of fair financial statement presentation.

Following initial recognition at cost, for 2013, the cooperative's various properties classified as Land were carried at revalued amounts which represent fair values at the date of revaluation, as Notes to Financial Statement determined by an accredited independent appraiser , less any subsequent accumulated impairment losses. Fair value is determined by reference to market-based evidence, which is the amount for which the assets could between a knowledgeable willing buyer and a knowledgeable willing seller in an arm's length transaction as at valuation date. Any revaluation surplus is credited to the Revaluation Reserves account included in the Equity section of the balance sheet as Unrealized Gains/ Losses. Any revaluation deficit directly offsetting a previous surplus in the same asset is directly offset against Revaluation Reserves.

Revaluation shall be allowed every five years. Changes in the revaluated value shall be classified as Unrealized Gain/Loss under Equity Section. Realized Gain/Loss shall only be recognized upon sale or disposal of the Property, Plant and Equipment.

Investment Property

Investment property are carried at cost less accumulated depreciation and any impairments in value.

Investment in Subsidiaries/ Associates/ Joint Ventures

Investments in Subsidiaries/ Associates and Joint Ventures by the Cooperative are accounted for using the cost method.

Intangible Assets

Intangibles assets like franchise costs are carried at cost less accumulated amortization and any impairments in value.

Financial Liabilities

Financial liabilities are recognized in the Cooperative's financial statements when the Cooperative becomes a party to the contractual provisions of the instrument. Transaction costs are included in the initial measurement of all financial liabilities.

Financial liabilities are derecognized by the Cooperative when the obligation under the liability is discharged, cancelled, or expired.

Accruals

Accruals , if any, are liabilities to pay for goods or services that have been received or supplied but have not been paid, invoiced or formally agreed with the supplier, including amounts due to employees and cooperative members.

Deposit Liabilities

Deposit Liabilities are the liabilities of the cooperative to its members, these are interest-bearing deposits made by the members that can be withdrawn anytime at the option of the depositors. 63 Due to Union/Federation

Due to Union/Federation is the liability of the cooperative to a federation or union to which the cooperative is a member. In compliance with Section 87 of the Cooperative Code of the Philippines, the cooperative has set aside ten percent (10%) of net surplus for Education and Training Fund. One half of this amount shall be utilized by the Cooperative for its own education and training activities while the other half shall be credited to the Cooperative education and training fund of the APEX organization of which the cooperative is a member.

Interest on Share Capital Payable

Interest on Share Capital Payable is the liability of the cooperative to its members for interest on share capital, which can be determined only at the end of every reporting period.

Patronage Refund Payable

Patronage Refund Payable is the liability of the cooperative to its members-patrons for patronage refund, which can be determined only at the end of every accounting period.

Statutory Funds

Statutory Funds are mandated by Sections 86 and 87 of the RA 9520, otherwise known as the Cooperative Code of the Philippines, to be set up by the Cooperative. They are as follows:

Notes to Financial Statement a. Reserve Fund; b. Education and Training Fund; c. Optional Fund; d. Community Development Fund

The By-laws of the Cooperative has mandated the following manner of distribution of its Net Surplus:

Reserve Fund - at least 10% of Net Surplus Educational Fund - 10% of Net Surplus broken down as follows: 5% Local 5% of Net Surplus Community Development Fund - 3% of Net Surplus Optional Fund - 7% of Net Surplus

The remaining balance of the net surplus is available for interest on share capital and patronage refund to be distributed at 70% and 30% respectively.

The basis for the computation of the interest on share capital is the average share capital while the total interest is used in determining the patronage refund.

For 2012, the Representative Assembly of the Cooperative approved the increase in Reserve Fund allocation from 10% to 20% of the Net Surplus.

Revenue Recognition

The Cooperative generally adheres to PAS and PFRS but due to the nature of the cooperative and its adherence to cooperative principles and practices, there are some deviations to the general rule, especially when it comes to revenue recognition. Reason for such, is that any net surplus from the operations will be available for distribution to its members through interest on share capital and patronage refund. 64 To safeguard the interest of the cooperative, revenue recognition is as follows:

Revenues from all sources are recognized at the time earned and collected. Specific revenues are recognized based on the following:

Interest income, penalties and income from other sources - It is recognized as the income is earned and collected. Notes to Financial Statement Service and membership fees - It is recognized when the loans are granted and corresponding charges were deducted from loan proceeds and when members are accepted as such in the Cooperative and paid such fees.

Sales - It is recognized as the income is earned. Accounts Receivable is set up for collection.

Employee Benefits

Short-term Benefits

The Cooperative recognizes a liability net of amounts already paid and an expense for services rendered by employees during the accounting period. Short-term benefits given by the Company to its employees include salaries and wages, social security contributions, short-term compensated absences and non- monetary benefits.

Retirement Benefits

The Cooperative has a defined contribution plan wherein the cooperative contribute a fixed amount to the fund. The fund is utilized in settlement of the separation pay of separated employee/s. The contributions are recognized as expense whenever a contribution is made.

Retirement Funds Payable represents the accumulated benefit costs charged against income of the Cooperative which is determined using the accrued benefit actuarial cost method. The method reflects the length of service of the participating employee as of the date of valuation.

Events after Balance Sheet Date

The Company identifies subsequent events as events that occurred after the balance sheet date but before the date when the financial statements were authorized for issue. Any subsequent events that provide additional information about the Cooperative's financial position at the balance sheet date are reflected in the financial statements. Non-adjusting subsequent events are disclosed in the notes to the financial statements when material.

ACCOUNTS PECULIAR TO COOPERATIVES

The following accounts are peculiar to a Cooperative due to its nature as well as adherence to Cooperative laws, issued policies, rules and regulations, as well as cooperative principles and practices:

ASSETS

Cash in Cooperative Federation - refers to money deposited in federations which are unrestricted and readily available when needed. These are treated as cash and other cash equivalents.

Due from Accountable Officers and Employees - refers to total collectibles from shortages and other losses due from accountable officers and employees that are subject to immediate settlement/sanction. These are recognized at cost, less allowance for impairment, if any. 65 Cooperative Development Cost - refers to expenses incurred prior to the actual operations of the cooperative. These are recognized at cost, subject to amortization for a period not exceeding 3 years.

Other Funds and Deposits - refers to funds set aside for funding of reserves (Statutory and Other Reserves) established by the cooperative such as Retirement, Mutual Benefit and other Funds. This is recorded at cost.

LIABILITIES

Interest on Share Capital Payable - refers to liability of the cooperative to its members for interest on share capital, which can be determined only at the end of every fiscal year.

Patronage Refund Payable - is the liability of the cooperative to its members and patrons for patronage refund, which can be determined only at the end of every fiscal year.

Due to Union/Federation (CETF) - is an amount set aside for the education and training fund of an APEX organization, which is 50% of the amount allocated, by the cooperative in accordance with the provision of the cooperative's by-laws and the Cooperative Code. The APEX organization may either be a federation or union of which the cooperative is a member.

Revolving Capital Payable - is the deferred payment of interest on share capital and patronage refund whose payment has been withheld, which should be agreed upon in the General Assembly.

Project Subsidy Fund Payable - unused portion of the donation/grant for training, salaries and wages, etc.

Members' Benefit and Other Funds Payable - are funds for special purposes such as members' welfare and Notes to Financial Statement benefits, i.e. loan protection, hospitalization, death, scholarship assistance, etc. including KBGF/Cooperative Guarantee Fund, provision for accidents not taken from net surplus.

EQUITY Donations/Grants - are amounts received by the cooperative as awards, subsidies, grants, aids and others. This shall not be available for distribution as interest on share capital and patronage refund, and shall form part of the members' equity of the Statement of Financial Condition.

Statutory Funds - are Mandatory funds established/set up in accordance with Articles 86 and 87 of the Cooperative Code. They are as follows:

Reserve Fund - amounts set aside annually for the stability of the cooperative and to meet net losses in its operations. It is equivalent to at least 10% of the net surplus. A corresponding fund should be set up either in the form of time deposit with local banks or government securities. Only the amount in excess of the paid up share capital may be used for the expansion and authorized investment of the cooperative as provided for in its by-laws.

Education and Training Fund - an amount retained by the cooperative out of the mandatory allocation as stipulated in the cooperative's by-laws.

Community Development Fund - this is computed at a minimum of 3% of cooperative's net surplus. This is used for projects or activities that will benefit the community where the cooperative operates.

Optional Fund - fund set aside from the net surplus (should not exceed 10%) for future use such as land and building, community developments, etc.

EXPENSES

General Assembly Meeting - expenses incurred in the conduct of regular/special general assembly. 66 Members' Benefit - all expenses incurred for the benefit of the members.

Affiliation Fee - amount incurred to cover membership or registration fees and annual dues to a federation or union.

Social and Community Service - expenses incurred by the cooperative in its social community involvement including solicitations and donations to charitable institutions. Notes to Financial Statement

Provision for CGF (KBGF) - amount set up for the provisions of CGF (KBGF) or the Cooperative Guarantee Fund OTHER ITEMS

Project Subsidy - refers to the amount deducted from Project subsidy fund to subsidize project expenses. This shall appear in the statement of operation as a contra account to Subsidized Project Expenses.

Donation and Grant Subsidy - refers to an amount deducted from Donations and Grants account to subsidize depreciation funded by donations and grants.

Optional Fund Subsidy - refers to an amount deducted from Optional Fund to subsidize depreciation funded by Optional Fund and/or community development expense.

Subsidized Project Expenses - refers to a portion of the Project Subsidy Fund expended for training, salaries and wages and other activities subsidized by donations and grants.

INCOME TAXES

The Cooperative Code states that a Cooperative transacting business only with its members is exempt from all government taxes, and therefore cannot apply the PAS for income taxes because of its tax-exempt nature. However, should the cooperative exceed the limits as set forth in the Cooperative Code, it will adopt the accounting standards for income taxes as stated in PAS 12.

INCOME RECOGNITION

As a rule, cooperatives adopt the accrual basis of accounting. However, for credit and other cooperatives, recognition of revenues is on a modified accrual basis; i.e., interest income, fines, penalties and surcharges shall be recognized when earned and actually collected. This is so because only interest income, fines, penalties and surcharges on loans receivable that has been realized (i.e., earned and collected) shall be the basis of the income available for distribution to its members through interest on share capital and patronage refund. Also, due to the cash-based income distribution scheme of a cooperative as well as the inherent limitations of small-scale countryside credit cooperatives, it cannot adopt the effective interest method in recognizing interest income on loans receivable.

3. MANAGEMENT'S SIGNIFICANT ACCOUNTING JUDGMENTS AND ESTIMATES

3.1 Judgments

The preparation of the Cooperative’s financial statements in conformity with Financial Reporting Framework (in reference to the Generally Accepted Accounting Principles of the Philippines) requires management to make estimates and assumptions that affect the amounts reported in the Cooperative’s financial statements and accompanying notes. The estimates and assumptions used in the Cooperative’s financial statements are based upon management’s evaluation of relevant facts and circumstances as of the date of the Cooperative’s financial statements. Actual results could differ from such estimates, judgments and estimates are continually evaluated and are based on historical experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances. 67 The preparation of the Cooperative’s financial statements in conformity with Financial Reporting Framework (in reference to the Generally Accepted Accounting Principles of the Philippines) requires management to make estimates and assumptions that affect the amounts reported in the Cooperative’s financial statements and accompanying notes. The estimates and assumptions used in the Cooperative’s financial statements are based upon management’s evaluation of relevant facts and circumstances as of the date of the Cooperative’s financial statements. Actual results could differ from such estimates, judgments and estimates are continually evaluated and are based on historical experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.

3.2 Estimates

In the application of the Cooperative’s accounting policies, management is required to make judgments, estimates and assumptions about the carrying amounts of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from these estimates.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognized in the period in which the estimate is revised if the revision affects only that period, or in the period of the revision and future periods if the revision affects both current and future periods. The following represents a summary of the significant estimates and judgments and related impact and associated risks in the Cooperative’s financial statements.

Allowance for Doubtful Accounts

The Cooperative assesses whether objective evidence of impairment exist for receivables and due from related parties that are individually significant and collectively for receivables that are not individually significant. Allowance for doubtful accounts is maintained at a level considered adequate to provide for potentially uncollectible receivables.

Estimated Useful Lives of Property, Plant and Equipment

Notes to Financial Statement The Cooperative estimates the useful lives of property, plant and equipment based on the period over which the property, plant and equipment are expected to be available for use. The estimated useful lives of the property, plant and equipment are reviewed periodically and are updated if expectations differ from previous estimates due to physical wear and tear, technical or commercial obsolescence and legal or other limits on the use of the property, plant and equipment. In addition, the estimation of the useful lives of property, plant and equipment is based on the collective assessment of industry practice, internal technical evaluation and experience with similar assets. It is possible, however, that future financial performance could be materially affected by changes in the estimates brought about by changes in factors mentioned above. The amounts and timing of recorded expenses for any period would be affected by changes in these factors and circumstances.

A reduction in the estimated useful lives of the property, plant and equipment would increase the recorded expenses and decrease the noncurrent assets.

Depreciation is computed on a straight-line method over the estimated useful lives of the assets as follows:

Land Improvements 50 years Building 50 years Building Improvement 50 years Office Equipment 1-3 years Office Furniture and Fixtures 1-5 years Transportation Equipment 3-5 years Consumer Equipment 3-5 years

The foregoing estimated useful lives and depreciation method are reviewed from time to time to ensure that these are consistent with the expected economic benefits of the property and equipment. 68 Impairment of Non-financial Assets

The Cooperative is required to perform an impairment review when certain impairment indicators are present. Purchase accounting requires extensive use of accounting estimates and judgment to allocate the purchase price to the fair market values of the assets and liabilities.

Determining the fair value of property, plant and equipment, investments and intangible assets, which require the determination of future cash flows expected to be generated from the continued use and ultimate Notes to Financial Statement disposition of such assets, requires the Cooperative to make estimates and assumptions that can materially affect the financial statements. Future events could cause the Cooperative to conclude that property, plant and equipment and other long-lived assets are impaired. Any resulting impairment loss could have a material adverse impact on the Cooperative's financial condition and results of operations.

The preparation of the estimated future cash flows involves significant judgment and estimations. While the Cooperative believes that its assumptions are appropriate and reasonable, significant changes in these assumptions may materially affect the Cooperative's assessment of recoverable values and may lead to future additional impairment charges.

Revenue recognition

The Cooperative’s revenue recognition policies require the use of estimates and assumptions that may affect the reported amounts of revenues and receivables. Differences between the amounts initially recognized and actual settlements are taken up in the accounts upon reconciliation. However, there is no assurance that such use of estimates may not result to material adjustments in future periods.

Revenue is recognized when it is probable that the economic benefits associated with the transaction will flow to the Cooperative and the amount of revenue can be measured reliably. Revenues from transactions of the Cooperative are recognized on a modified accrual basis.

4. FINANCIAL RISK MANAGEMENT OBJECTIVES AND POLICIES

The Cooperative is exposed to credit, liquidity, and other risks that arise in the normal course of its business. Its risk and control framework includes a focus on minimizing negative effects on the Cooperative's financial performance due to unpredictability of financial markets that drives the risks.

Credit Risk

Credit risk refers to the risk of inability to service a debt and the potential loss arising from default of a borrower. The Cooperative has no significant concentration of credit risk. It has policies and procedures regarding its loan portfolio. Status of receivables are being monitored and reviewed regularly.

Liquidity Risk

Liquidity risk is the risk that the Cooperative will not be able to meet its financial obligations as they fall due. The Cooperative is not exposed to liquidity risk even if it has deposit liabilities because it has been maintaining sufficient cash to address obligations and payables. Liquidity position is being monitored and evaluated regularly by the Board through continuously monitoring forecasts and actual cash flows.

Interest Rate Risk

The primary source of the Cooperative's interest risk relates to cash and cash equivalents.

The Cooperative's management believes that any 10% change in interest rate risk will not have any material impact on the financial statements. 69 5. CASH AND CASH EQUIVALENTS

This account consists of the following:

Notes 2013 2012

Cash on Hand 23,802.62 218,260.81 Cash in Bank: Metro South Coop Bank 24,331,482.01 35,564,940.38 Banco de Oro 31,527,300.20 18,584,726.45 Metro Bank & Trust Co. 22,592,418.09 16,049,209.65 Bank of the Phil. Island 12,413,030.57 13,774,211.87 Maybank 2,462,983.59 3,341,912.48 Land Bank of the Phils. 1,436,203.90 1,421,706.67 Security Bank 2,034,832.91 - Union Bank of the Phils. 4,232,787.95 1,403,274.03 Asia United Bank 8,780,314.64 - China Bank 1,299,933.34 - Philippine National Bank 2,912,706.91 - SDCC 1,775,686.70 -

Petty Cash Fund 60,000.00 30,000.00 Revolving Fund 2,804,000.00 1,254,000.00 Total Cash and Cash Equivalents 118,687,483.43 91,642,242.34

Notes to Financial Statement Cash in banks as well as time deposits earn interest at rates based on daily bank deposits rates.

6. SHORT TERM INVESTMENTS

This account consists of the following:

2013 2012

NATCCO Central Fund Loan 45,550,608.97 11,822,914.40 Metro South Cooperative Bank 10,000,000.00 - SDCC Satellite 9,032,511.08 - Total Short- term Investments 64,583,120.05 11,822,914.40

70 7. LOANS RECEIVABLE

This account consists of the following:

2013 2012

CURRENT Notes to Financial Statement Due within this year 10,963,375.34 6,339,086.41 Due after this year 370,282,064.28 441,692,821.46 Total Current 381,245,439.62 448,031,907.87

RESTRUCTURED 22,838,885.76 42,467,804.56

PAST DUE (Loan balance with 1 day or more missed payment) 221,408,926.99 146,740,169.30

With arrears 37,062,073.30 27,660,296.69 1-30 days 7,805,675.98 8,745,801.90 31-60 days 9,679,948.37 5,643,305.87 61-90 days 4,326,034.33 3,245,828.44 91-365 days 15,250,414.62 10,025,360.48 over 12 months - 144,986.89 matured loans 46,171,063.65 23,645,676.91 with 20% del. Inst. 55,263,106.28 69,254,325.12

Restructured with arrears 36,311,091.66 14,371,065.85

1-30 days 1,460,839.73 4,289,529.57 31-60 days 2,045,874.30 2,907,132.77 61-90 days 1,752,455.41 2,325,388.42 91-365 days 31,051,922.22 4,849,015.09 over 12 months - - matured loans - 3,947,354.33 with 20% del. Inst. 5,204,303.52 7,716,463.51

LOANS IN LITIGATION 5,304,027.69 6,541,637.70

Total Loans Receivable 630,797,280.06 643,781,519.43 Less: Allowance for probable Losses on Loans 45,050,190.94 38,037,657.30 Loans Receivable , Net 585,747,089.12 605,743,862.13

Total loans receivable per subsidiary ledgers 630,797,080.18 643,781,519.43 Total loans receivable per general Ledger 630,797,280.06 643,780,538.01 Difference ( Subsidiary ledgers over general Ledger) (199.88) 981.42

The Cooperative, in its effort to comply with the requirements of the Cooperative Development Authority in setting up the required provision as per PAR, has established a long-term program in order to increase its Allowance for probable losses on Loans to the required amount. Further, it has endeavored to restructure its long outstanding loans receivable in order to ease the burden of its member-borrowers, thereby helping them in the payment of their loan obligations.

71 8. OTHER RECEIVABLES

This account consists of the following:

Notes 2013 2012

Cash Advances to Officers and Employees 3,432.00 (51.28) Escuela de San Dionisio Inc. 27 9,706,695.28 10,474,795.28 Staff 572,460.86 666,692.59 Enabling Solution Inc. 2,676,666.74 2,756,666.74 Loan Balance - Deceased Member 149,431.23 149,431.23 Court Fee 220,710.76 99,994.01 Rental Fees 76,250.00 76,250.00 Others-Unadjusted Savings Deposit 58,000.00 61,400.00 SSS 691.12 691.12 Repair of Pajero (231.00) 6,869.00 Tuition Fee 16,300.00 16,300.00 Social Fund Receivable 13,287.00 13,287.00 PQCUC- Telephone 428.45 - Housing Project (2,575.76) (2,275.76) Others- Telephone Bill - 428.45 Returned Check 750.00 650.00 Botica 47,590.15 43,307.56 CLPP 6,368,996.74 4,006,425.77 Other Receivables(Stolen checks) 10,410.91 23,720.91 Notes to Financial Statement Other receivable-book 5.00 - Other Receivables(others) 49,289.42 825.97 Irine Dela Cruz(EDSD)- SMPO Purchases 3,135.38 3,135.38 Resigned staff 8,993.94 8,883.94 Total 19,980,718.22 18,407,427.91

The fair values of trade and other receivables have not been disclosed as, due to their short duration, management considers the carrying amounts recognized in the balance sheet to be a reasonable approximation of their fair values.

9. INVENTORY

This account consists of the following:

2013 2012

Drugstore 3,194,425.61 2,515,693.15 Consumer: SDCC Book 499,735.96 507,282.90 Appliance - - Stamps 100.00 956.00 Total Inventory 3,694,261.57 3,023,932.05

72 10. UNUSED OFFICE SUPPLIES

This account consists of the following:

2013 2012

Credit (various divisions) 394,608.20 129,465.60 Notes to Financial Statement

Total Unused Office Supplies 394,608.20 129,465.60

11. PREPAID EXPENSES

This account consists of the following:

2013 2012

Prepaid tax 1,428,525.00 1,258,425.00 Insurance- Credit 471,246.62 335,635.71 Insurance-Botica 23,888.94 6,235.25 Rent 4,332.96 1,666.69 Communication 4,659.88 12,705.44 Total Prepaid Expenses 1,932,653.40 1,614,668.09

12. LONG - TERM INVESTMENTS

This account consists of the following:

2013 2012

INVESTMENT IN NON-MARKETABLE EQUITY SECURITIES: National Coop Mutual Fund of the Philippines., Inc. 19,000,500.00 11,979,905.43 Metro South Cooperative Bank 10,721,651.78 8,321,651.78 Coop Life Insurance & Mutual Benefit Services 3,745,025.30 3,745,025.30 Cooperative Deposit Insurance System - 2,000,000.00 NATCCO Central Fund 613,336.74 570,827.33 Metro Manila Savings Cooperative 100,000.00 100,000.00 Coop Insurance System of the Philippines 70,000.00 70,000.00 National Publishing Cooperative 50,000.00 50,000.00 Philippine Cooperative Center 29,280.22 25,232.25 Paranaque City Union of Cooperatives 11,000.00 11,000.00 NCR Union of Cooperatives 550.00 550.00 Philippine Cooperative Service, Inc. 500.00 500.00

UNQUOTED DEBT SECURITIES CLASSIFIED AS LOANS: Coop NATCCO 3,573,333.34 - Paranaque Federation of Credit Cooperative 2,196,460.32 2,196,460.32

OTHERS: Philam Strategic Growth Fund 8,000,000.00 - Meralco 257,850.00 257,850.00 Meralco 12,400.00 12,400.00 PLDT 21,200.00 21,200.00 Total Investment in Non-Marketable Equity Securities 48,403,087.70 29,362,602.41 73

- 6,610.00 Total Total 162,669.41 172,405.80 255,835.06 1,820,963.10 4,413,644.61 2,338,491.02 2,169,518.70

35,369,075.00 47,283,555.14 43,739,910.53 10,469,371.77 48,153,555.14 24,768,739.96 27,265,650.39 94,949,575.01 27,269,900.39 20,883,654.75 29,863,409.95

65,086,165.06

------

7,250.00 7,250.00 870,000.00 870,000.00 862,750.00 150,175.19 150,175.19 6,880,873.73 6,880,873.73 6,730,698.54

Leasehold Leasehold

Improvement Improvement Improvement

-

- - - - -

52,300.00 204,900.00 357,531.68 351,743.24 939,641.72 640,198.48 3,513,255.74 3,308,355.74 2,216,082.34 3,513,255.74 3,565,555.74 2,573,614.02 2,573,614.02 2,925,357.26

Equipment Equipment

Transportation Transportation -

6,610.00 73,300.13 83,036.52 105,659.87 6,611,143.60 1,118,493.01 1,078,906.10 2,367,630.56 3,588,498.04 1,261,080.98

3,244,318.86

18,432,292.61 16,064,662.05 18,432,292.61 13,853,592.64 23,106,306.75 15,187,973.75 15,187,973.75 16,495,163.15

Furniture, Fixture Furniture, Furniture, Fixture Furniture,

& Office Equipment & Office Equipment - - - -

Notes to Financial Statement 2013 2012 89,369.28 89,369.28 971,114.05 592,347.00 658,529.96 653,489.75 8,556,223.54 9,304,122.78 9,307,122.78

24,553,256.00 23,582,141.95 24,553,256.00 25,145,603.00 15,249,133.22 10,049,981.81 15,095,621.19

Building & Building & Improvements Improvements

------

97,410.00 54,098.40 45,792.70 46,885.95 98,503.25 Land Land 243,825.79 243,825.79 243,825.79 142,841.44 341,235.79 196,939.84 196,939.84 242,732.54

Improvements Improvements

------Land Land 540,925.00 540,925.00 540,925.00 540,925.00

35,369,075.00 35,910,000.00 35,910,000.00

At January 1 At January 1 Additions-Credit Operations Appraisal Increment( Note 28,29) Additions Additions-Botica Additions-Satellite At December 31 At December 31 January 1 Additions-Credit Operations Additions-Botica At December 31 Additions-Credit Operations January 1 Additions-Botica Additions-Satellite At December 31 PROPERTY , PLANT AND EQUIPMENT , PLANT PROPERTY AT COST AT COST AT This account consists of the following: 13. ACCUMULATED DEPRECIATION ACCUMULATED ACCUMULATED DEPRECIATION ACCUMULATED NET NET BOOK VALUE Property and equipment are recorded at cost depreciated using the straight line method. In 2013, Cooperative opted t o use Revaluation Method in reporting Land. 74 NET BOOK VALUE 14. INVESTMENT PROPERTY

This account consists of the following:

2013 Other Other Total Building Land Notes to Financial Statement

AT COST At January 1 53,306,357.84 10,862,845.50 64,169,203.34 Additions 7,860,000.00 7,860,000.00 At December 31 61,166,357.84 10,862,845.50 72,029,203.34

ACCUMULATED DEPRECIATION January 1 8,802,250.56 - 8,802,250.56 Additions-Credit Operations 1,336,497.48 1,336,497.48 At December 31 10,138,748.04 - 10,138,748.04 NET BOOK VALUE 51,027,609.80 10,862,845.50 61,890,455.30

2012 Other Other Total Building Land

AT COST At January 1 52,943,397.84 10,862,845.50 63,806,243.34 Additions 362,960.00 - 362,960.00 At December 31 53,306,357.84 10,862,845.50 64,169,203.34 ACCUMULATED DEPRECIATION January 1 7,524,602.41 - 7,524,602.41 Additions-Credit Operations 1,277,648.15 - 1,277,648.15 At December 31 8,802,250.56 - 8,802,250.56 NET BOOK VALUE 44,504,107.28 10,862,845.50 55,366,952.78

Fair values of the Investment Property of the Cooperative, based on the latest appraisal, are as follows:

Cost Fair Value Covered Court 4,940,000.00 12,435,000.00 Escuela de San Dionisio Site 5,922,845.50 14,805,000.00

Total 10,862,845.50 27,240,000.00

75 15. OTHER NON-CURRENT ASSETS

This account consists of the following:

2013 2012

Computerization cost 331,348.10 402,373.55 Business Development Cost 33,611.07 45,833.31 Other Funds and Deposits: Reserve Fund deposit: Metro South Cooperative Bank 2,482,984.50 14,320,344.17 Metrobank & Trust Company 1,022,667.04 1,015,392.41 Maybank TD Reserve Fund 428,008.10 428,008.10 Codis Reserve Fund 2,292,997.80 - NCMF Reserve Fund 13,081,310.39 - Coop-NATCCO Reserve Fund 9,462,219.95 - Planong Damayan Fund BPI Platinum -PDF 1,363,706.81 732,156.90 Social Fund Loan Protection MSCB SFLP Fund - - BPI TD SFLP Fund 703,468.19 698,834.54 Land and Building Fund 3,132,394.91 - Others BDO Mega Savings 115,720.80 115,393.87 BDO Optimum - CIS 172,020.38 171,534.41

Notes to Financial Statement BDO - CIS Bayad Center 1,516,582.91 1,504,014.37 Land Bank C/A Lingap para sa mahirap 442,101.16 441,095.59 MWSS 100.00 100.00 PLDT 570.00 570.00 Meralco 44,150.00 44,150.00 Smart 360.00 360.00 Community Development fund - - Maybank TD CDF 2,028,690.98 - Total-Other funds and deposits 38,290,053.92 19,471,954.36

Miscellaneous Assets 10,886,075.52 10,246,991.28

Franchise Right - 9,565.41 Total Other Non-current Assets 49,541,088.61 30,176,717.91

16. DEPOSIT LIABILITIES

This account consists of the following:

2013 2012

Time Deposits 227,633,241.92 205,724,311.41 Savings Deposits 172,962,668.58 148,874,989.23 Koop-paluwagan 151,353.13 132,864.44 Sinag Deposit 231,986,936.80 135,299,031.18 Total Deposits Liabilities 632,734,200.43 490,031,196.26

76 17. LOANS PAYABLE

This account consists of the following:

2013 2012

Loans Payable-Short-term 5,912,314.68 5,898,047.14

Loans Payable-Long-term - 28,585,758.34 Notes to Financial Statement 5,912,314.68 34,483,805.48

Loans payable-short-term consists of the time deposits of the different cooperative in different rates(ranging 3.75% to 5.5% P.A. per annum) and terms( from 30 days to730 days).

Loans payable-long-term is loans from metro south cooperative bank with interest rates of 10%,12%, and 13% with the term of 10 years, 3 years and 7 years term.

18. OTHER CURRENT LIABILITIES

This account consists of the following:

2013 2012

SSS/ECC/PhilHealth Prem. Payable 111,678.50 (40,620.57) Withholding Tax Payable (282,096.76) (367,829.83) Documentary Stamps Tax Payable 1 16.21 (420.58) Other Payables 12,123, 117.84 5,587,860.26 Total Other Current Liabilities 11,952,815.79 5,178,989.28

19. MEMBERS' BENEFIT AND OTHER FUNDS PAYABLE

This account consists of the following:

2013 2012 Mutual Benefit Fund Payable New Planong Damayan Fund 15,710,505.32 19,002,215.72 Social Fund Loan Protection 3,606,850.82 3,606,850.82 Coop Loan Protection Plan 5,303,941.66 6,255,221.78 Coop Health Care Fund 882,876.31 845,976.31 Cooperative Guarantee Fund 3,820.64 3,820.64 Furnitures and Fixtures Fund 50,736.50 50,736.50 Optional Fund 45,656.66 45,656.66 PTL Benefit Fund - (14,000.00) Total Members' Benefit and Other Funds Payable 25,604,387.91 29,796,478.43

20. OTHER NON-CURRENT LIABILITIES

This account consists of the following:

2013 2012

Subscription Payable-MSCB 625,000.00 625,000.00 Subscription Payable-CISP 34,478.00 34,478.00 Subscription Payable-MMSCI 8,396.35 8,396.35 Subscription Payable-NPC 4,931.13 4,931.13 Total Other Non-current Liabilities 672,805.48 672,805.48 77 21. SHARE CAPITAL

This account consists of the following:

2013 2012

Paid-up share capital-common 263,144,457.83 247,004,010.62 Total Share Capital 263,144,457.83 247,004,010.62

22. STATUTORY FUNDS

This account consists of the following:

2013 2012

Reserve Fund 31,713,267.18 29,299,780.03 Educational & Training Fund (Local) 841,620.06 1,871,564.55 Optional Fund-Land & Building 8,046,267.29 7,201,546.79 Community Development Fund 1,762,695.78 2,222,902.51 Total Statutory Funds 42,363,850.30 40,595,793.88

23. OTHER INCOME

This account consists of the following: Notes to Financial Statement

2013 2012

Service Fees 9,191,477.34 15,926,168.04 Rent Income-Escuela de San Dionisio 3,644,195.94 3,539,580.00 Membership Fees 265,800.00 232,070.00 Fines, penalties and surcharges 1,243,056.11 1,695,509.98 Dividend 842,623.10 594,079.33 Seminar Fee 210,160.00 189,300.00 Membership Application 61,545.00 49,200.00 Others 525,514.76 86,562.15 Processing Fee (Coop Health) 12,500.00 32,200.00 ID Fee 13,100.00 11,550.00 Xerox 4,938.50 10,938.00 Donation - 12,105.00 Commission 10,998.24 5,406.11 Reflexology 6,140.00 6,220.00 Returned Checks 8,600.00 10,500.00 Advertising Fee - 750.00 Passbook 2,230.00 2,000.00 Encashment of Checks - 137.74 Paycard 36,350.00 27,100.00 Total Other Income 16,079,228.99 22,431,376.35

78 24. ADMINISTRATIVE COSTS

This account consists of the following:

2013 2012 Salaries and Wages 17,354,604.21 15,741,529.87 Employees' Benefits 5,502,761.26 5,394,123.68 Provision for probable losses on loans 10,000,000.00 6,342,000.00 Members' Benefit Expenses 5,175,023.07 4,868,469.03 Depreciation and amortization 3,763,484.28 3,641,801.41 Notes to Financial Statement Miscellaneous Expense 1,397,680.70 1,987,501.31 Power, Light and Water 2,642,363.36 2,317,347.71 Retirement Benefit Expense 1,448,502.66 1,820,084.48 General Support Services Expense 1,740,552.50 1,383,579.94 Office Supplies 2,270,553.47 1,818,7 11.73 SSS/ECC/PhilHealth/Pag-ibig Contributions 1,480,346.17 1,108,130.70 General Assembly Meeting Expense 1,394,183.26 1,240,741.77 Professional Fees 1,206,022.00 1,367,646.00 Travel and Transportation 1,472,754.45 1,408,170.06 Representation Expense 446,979.29 330,610.73 Repairs and Maintenance 604,677.16 618,423.70 Social Services Expense 508,177.81 317,796.55 Meeting and Conferences 593,223.72 583,067.67 Insurance Expense 406,850.07 307,170.55 Communication Expense 490,222.62 384,621.06 Promotional Expense - 17,350.00 Officers' Honorarium and Allowances 85,745.00 90,200.00 Affiliation Fees 59,697.00 58,101.00 Taxes and Licenses 675,311.41 634,876.51 Periodicals, magazines, subscriptions 15,540.00 11,096.00 Rental Expenses 326,242.96 9,000.00 Bank Charges 250.00 179,066.46 Total Administrative Costs 61,061,748.43 53,981,217.92

25. ALLOCATION AND DISTRIBUTION OF NET SURPLUS

The Cooperative's constitution and by-laws explicitly provides that its net surplus at the end of the fiscal year shall be distributed in the following manner: a. Reserve Fund - at least ten percent (10%) shall be set aside for the reserve fund. The reserve fund shall be used for the stability of the cooperative and to meet net losses in its operation.

In 2012, during the Representative Assembly of the Cooperative, it was approved that the Reserve Fund for 2013 be increased to 20%. b. Educational and Training Fund - ten percent (10%) for the education and training fund . Half of the amount transferred to the education and training fund annually under this subscription may be spent by the cooperative for education and training and other purposes: while the other half shall be credited to the Cooperative education and training fund of the apex organization of which the cooperative is a member. c. Optional Fund - This is seven percent (7%) of the cooperative's net surplus. d. Community Development Fund - This is computed at three percent ( 3%) of the cooperative's net surplus. e. Interest on Share Capital and Patronage Refunds - After deduction of the statutory accounts, any remaining net surplus shall be distributed to the cooperative's members in the form of interest not to exceed the normal rate of return on investments and patronage refunds. Interest on Share Capital shall be allocated in proportion to the 79 individual members' average share monthly, while patronage refund is divided according to their individual patronage; i.e., volume of loans availed. 26. RETIREMENT BENEFITS

Republic Act (RA) No. 7641 (New Retirement Law) took effect on January 7, 1993. Under the new law, the Cooperative is required to provide minimum retirement benefits to qualified retiring employees. The management allotted 15% of the total Basic Pay of the Employees per month. The retirement programs of employees were managed and maintained on a separate account at Metrobank.

27. RELATED PARTY TRANSACTIONS

Parties are considered to be related if one party has the ability to control the other party or exercise significant influence over the other party in making financial and operating decisions. This includes: (a) individuals owning, directly or indirectly through one or more intermediaries, control or are controlled by, or under common control with, the Company; (b) associates; and (c) individuals owning, directly or indirectly, an interest in the voting power of the Company that gives them significant influence over the Company and close members of the family of any such individual.

The following are the Company's transactions with related parties:

a. Salaries of key management personnel

2013 2012

Chief Executive Officer 474,070.31 451,515.75

b. Investment in Subsidiaries/ Joint Venture Notes to Financial Statement

These represents equity investments by the Cooperative to its subsidiaries as follows:

2013 2012 Escuela de San Dionisio- equity investment 2,550,100.00 2,550,100.00 ChopStop Franchise Operations- SM BF Paranaque 5,139,147.87 -

TOTAL 7,689,247.87 2,550,100.00

The carrying amounts of these investments reflect the fair values as of balance sheet date.

c. Receivables from Subsidiaries

Rental receivable from Escuela de San Dionisio, a Subsidiary, amounted to Php 9,706,695.28 in 2013 and Php 10,474,795.28 in 2012.

28. UNREALIZED GAINS/LOSSES

This consists of the following: 2013 2012 Unrealized gains on Natcco Investment 573,333.34 - Revaluation Reserves- Land 35,369,075.00 -

TOTAL 35,942,408.34 -

80 29. EVENTS AFTER BALANCE SHEET DATE

On February 8, 2014, an Appraisal Report submitted by Alpha Appraisal and Management Corporation, an accredited Independent Appraiser, disclosed the following fair values of the properties of the Cooperative:

Property and Equipment

Land Notes to Financial Statement Appraised Value 35,910,000.00 Historical Cost 540,925.00 Appraisal Increment 35,369,075.00

The appraisal increment was booked as an adjustment in the 2013 Financial Statements under Unrealized Gains/ Losses.

Investment Property Other Land Appraised Value 27,240,000.00 Historical Cost 10,862,845.50 Appraisal Increment 16,377,154.50

Such increase in fair values of the Cooperative's Investment Property was disclosed in the notes to financial statements.

30. COMMITMENTS AND CONTINGENCIES

There were no significant commitments and contingencies involving the Cooperative as of Balance Sheet date.

31. GOING CONCERN

There were no going concern issues that have to be disclosed involving the Cooperative as of Balance Sheet date.

81 32. SUPPLEMENTARY INFORMATION REQUIRED AS PER BIR RR 15-2010

The following information on taxes, duties and license fees paid or accrued during the taxable year is presented for purposes of filing with the Bureau of Internal Revenue and is not a required part of the basic financial statements.

A. OUTPUT VAT

2013 VATABLE ZERO RATEDEXEMPT TOTAL

TOTAL REVENUES 94,578,023.56 94,578,023.56 OUTPUT VAT RATE 12% 0% TOTAL OUTPUT VAT - - - -

2012 VATABLE ZERO RATEDEXEMPT TOTAL

TOTAL REVENUES - - 121,120,839.56 121,120,839.56 OUTPUT VAT RATE 12% 0% - TOTAL OUTPUT VAT - - - - TOTAL OUTPUT VAT - - - -

The Cooperative is exempt from Value Added Tax, by virtue of the implementing rules and regulations of RA 9520, which states that Cooperatives that transact with members only shall be exempt from both income tax and value added tax.

Notes to Financial Statement B. INPUT VAT

Because the Cooperative is an entity which transacts with members only, Input Vat paid by the Cooperative forms part of the cost of the goods or service purchased.

C. TAXES AND LICENSES

Details of the Cooperative's Taxes and Licenses , either paid or accrued are as follows: 2013 2012

Mayors' Permit and Business Taxes 6,292.50 9,180.00 Withholding tax shouldered by SDCC 578,476.23 613,858.73 Employees working permit 4,250.00 - Community Tax Certificate 500.00 500.00 Vehicle Registration/sticker 21,220.68 10,837.78 Permit Bayad center 2,000.00 - Annual Registration Fee 500.00 500.00 TOTAL TAXES AND LICENSES 613,239.41 634,876.51

D. WITHHOLDING TAXES

Details of the Company's withholding taxes , either paid or accrued, are as follows:

2013 2012

Withholding tax on Compensation and Benefits 1,895,360.79 2,120,855.05 Expanded Withholding Tax 324,499.41 102,400.00 TOTAL 2,219,860.20 2,223,255.05 82 33. SUPPLEMENTARY INFORMATION REQUIRED BY THE BIR UNDER RR 19-2011

Net sales/Revenues/Receipts/Fees

Details of the net sales/revenues/receipts/fees earned during the year are as follows:

2013

Exempt Special Rate Regular Rate Notes to Financial Statement

Revenue 78,498,794.57 - - Total 78,498,794.57 - -

Cost of Service

Details of the cost of service incurred during the year are as follows:

2013 Exempt Special Rate Regular Rate

Interest Expense on Time Deposits 8,594,932.05 - - Interest Expense on Savings Deposits 1,578,169.57 - - Interest Expense on Koop-paluwagan 1,760.82 - - Interest Expense on Sinag Deposit 8,505,123.33 - - Interest Expense on Borrowings 2,524,987.66 - - Total 21,204,973.43 - -

Other Income Details of the other income earned during the year are as follows:

2013 Exempt Special Rate Regular Rate

Service Fees 9,191,477.34 - - Rent Income-Escuela de San Dionisio 3,644,195.94 - - Membership Fees 265,800.00 - - Fines, penalties and surcharges 1,243,056. 11 - - Dividend 842,623.10 - - Seminar Fee 210,160.00 - - Membership Application 61,545.00 - - Others 525,514.76 - - Processing Fee (Coop Health) 12,500.00 - - ID Fee 13,100.00 - - Xerox 4,938.50 - - Donation - - - Commission 10,998.24 - - Reflexology 6,140.00 - - Returned Checks 8,600.00 - - Advertising Fee - - - Passbook 2,230.00 - - Encashment of Checks 36,350.00 - - Paycard - - Project Subsidy 1 1,666.68 - - Gain on sale of acquired properties 21,665.85

Total Other Income 16,112,561.52 - - 83 Itemized deductions

Details of the itemized deductions incurred during the year are as follows:

2013 Exempt Special Rate Regular Rate

Salaries and Wages 17,354,604.21 - - Employees' Benefits 5,502,761.26 - - Provision for probable losses on loans 10,000,000.00 - - Members' Benefit Expenses 5,175,023.07 - - Depreciation and amortization 3,763,484.28 - - Miscellaneous Expense 1,397,680.70 - - Power, Light and Water 2,642,363.36 - - Retirement Benefit Expense 1,448,502.66 - - General Support Services Expense 1,740,552.50 - - Office Supplies 2,270,553.47 - - SSS/ECC/PhilHealth/Pag-ibig Contributions 1,480,346.17 - - General Assembly Meeting Expense 1,394,183.26 - - Professional Fees 1,206,022.00 - - Travel and Transportation 1,472,754.45 - - Representation Expense 446,979.29 - - Repairs and Maintenance 604,677.16 - - Social Services Expense 508,177.81 - - Meeting and Conferences 593,223.72 - - Insurance Expense 406,850.07 - -

Notes to Financial Statement Communication Expense 490,222.62 - - Promotional Expense - - - Officers' Honorarium and Allowances 85,745.00 - - Affiliation Fees 59,697.00 - - Taxes and Licenses 675,311.41 - - Periodicals, magazines, subscriptions 15,540.00 - - Rental Expenses 326,242.96 - - Bank Charges 250.00 - - Prior Period Adjustments 277,198.51 - - 61,338,946.94 - -

84 SAN DIONISIO CREDIT COOPERATIVE 0554 Quirino Avenue, San Dionisio, Parañaque City

FINANCIAL RATIOS For the years ended December 31, 2013 and 2012 (Amounts in Philippine Pesos)

2013 % 2012 % Notes to Financial Statement

I. LIQUIDITY RATIO

1. Quick Ratio

Cash + Receivables 724,415,290.77 715,792,550.96 109.92% 136.81% Current Liabilities 659,044,665.69 523,208,543.35

2. Current Ratio

Current Assets 795,019,933.99 732,383,531.10 120.63% 139.98% Current Liabilities 659,044,665.69 523,208,543.35

3. Past Due Ratio

Total Amount Due from Receivables 226,712,954.68 153,281,807.00 35.94% 23.81% Total Outstanding Receivables 630,797,280.06 643,781,519.43

II. PROFITABILITY

1. Return on Investment

Net Surplus After Allocation of Statutory Funds 7,240,461.43 2.84% 20,682,953.79 8.61% Average Share Capital 255,074,234.23 240,130,935.77

2. Net Income Margin

Net Surplus Before Allocation of Statutory Funds 12,067,435.72 12.76% 29,547,076.84 28.85% Total Gross Revenue 94,578,023.56 102,422,386.22

3. Overall Profitability

Net Surplus After Allocation of Statutory Funds 7,240,461.43 7.66% 20,682,953.79 20.19% Total Gross Revenue 94,578,023.56 102,422,386.22

III. SOLVENCY RATIO

1. Debt to Total Assets Ratio

Total Liabilities 685,321,859.08 582,263,585.60 66.69% 66.87% Total Assets 1,027,629,978.53 870,723,558.95

85 STATEMENT OF MANAGEMENT’S RESPONSIBILITY FOR FINANCIAL STATEMENTS

The management of ESCUELA DE SAN DIONISIO, INC. is responsible for the preparation and fair presentation of the financial statements for the years ended May 31, 2013 and 2012, including the additional components attached therein, in accordance with the prescribed financial reporting framework indicated therein. This responsibility includes designing and implementing internal controls relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error, selecting and applying appropriate accounting policies, and making accounting estimates that are reasonable in the circumstances.

The Board of Directors reviews and approves the financial statements and submits the same to the stockholders.

Ma. Elma L. Ilagan-Ame, the independent auditor and appointed by the board of directors has examined the financial statements of the company in accordance with the Philippine Standards on Auditing, and in her report to the members, has expressed her opinion on the fairness of presentation upon completion of such examination. Escuela de San Dionisio

CARMELITA C. SABINO ZENAIDA A. ALCANTARA Chairman Treasurer

EVELYN R. LUCHING President /CEO

86 STATEMENT OF MANAGEMENT’S RESPONSIBILITY FOR ANNUAL INCOME TAX RETURN

The Management of ESCUELA DE SAN DIONISIO, INC. is responsible for all information and representations contained in the Escuela de San Dionisio Annual Income Tax Return for the year ended May 31, 2013. Management is likewise responsible for all information and representations contained in the financial statements accompanying the (Annual Income Tax Return or Annual Information Return) covering the same reporting period. Furthermore, the Management is responsible for all information and representations contained in all the other tax returns filed for the reporting period, including, but not limited, to the value added tax and/or percentage tax returns, withholding tax returns, documentary stamp tax returns, and any and all other tax returns.

In this regard, the Management affirms that the attached audited financial statements for the year ended May 31, 2013 and the accompanying Annual Income Tax Return are in accordance with the books and records of ESCUELA DE SAN DIONISIO, INC. complete and correct in all material respects. Management likewise affirms that:

a. the Annual Income Tax Return has been prepared in accordance with the provisions of the National Internal Revenue Code, as amended, and pertinent tax regulations and other issuances of the Department of Finance and the Bureau of Internal Revenue;

b. any disparity of figures in the submitted reports arising from the preparation of financial statements pursuant to financial accounting standards and the preparation of the income tax return pursuant to tax accounting rules has been reported as reconciling items and maintained in the company’s books and records in accordance with the requirements of Revenue Regulations No. 8-2007 and other relevant issuances;

c. the ESCUELA DE SAN DIONISIO, INC. has filed all applicable tax returns, reports and statements required to be filed under Philippine tax laws for the reporting period, and all taxes and other impositions shown thereon to be due and payable have been paid for the reporting period, except those contested in good faith.

CARMELITA C. SABINO ZENAIDA A. ALCANTARA Chairman Treasurer

EVELYN R. LUCHING President /CEO

87 M.I. AME ACCOUNTING OFFICE

SUPPLEMENTAL STATEMENT OF INDEPENDENT AUDITOR

The Board of Directors ESCUELA DE SAN DIONISIO, INC. 0530 Quirino Avenue, San Dionisio, Parañaque City

I have audited the financial statements of ESCUELA DE SAN DIONISIO, INC. for the year ended May 31, 2013, on which I have rendered the attached report dated September 12, 2013.

In compliance with SRC Rule 68, I am stating that the Company has one (1) stockholder owning 100 or more shares as of May 31, 2013. Escuela de San Dionisio

MA. ELMA L. ILAGAN-AME CPA No. 79047 BOA Reg. No. 0195 ( January 1, 2011 to December 31, 2013) TIN No. 134-550-503-000 PTR No. CAV3179656 , January 3, 2013, Trece Martires City, Cavite BSP Accreditation ( Category C) (November 15,2011 to November 15, 2014) SEC Accreditation No. 0448-AR-2( Category C ) ( January 18, 2013 to January 17, 2016) BIR Accreditation No. 09-002142-1-2011 (December 8, 2011 to December 14, 2014) CDA Accreditation No. 0001 ( April 20,2010 to April 20, 2013)

12 September 2013

88 M.I. AME ACCOUNTING OFFICE

REPORT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS Escuela de San Dionisio TO ACCOMPANY INCOME TAX RETURN

The Board of Directors ESCUELA DE SAN DIONISIO, INC. 0530 Quirino Avenue, San Dionisio, Parañaque City

I have audited the financial statements of ESCUELA DE SAN DIONISIO, INC. for the year ended May 31, 2013, on which I have rendered the attached report dated September 12, 2013.

In compliance with Revenue Regulations V-20, we are stating the following:

1. The taxes paid and accrued by the above Company for the year ended May 31, 2013 are shown in the Schedule of Taxes and Licenses.

2. I am not related by consanguinity or affinity to the president, manager or principal stockholders of the Company.

MA. ELMA L. ILAGAN-AME CPA No. 79047 BOA Reg. No. 0195 ( January 1, 2011 to December 31, 2013) TIN No. 134-550-503-000 PTR No. CAV3179656 , January 3, 2013, Trece Martires City, Cavite BSP Accreditation ( Category C) (November 15,2011 to November 15, 2014) SEC Accreditation No. 0448-AR-2( Category C ) ( January 18, 2013 to January 17, 2016) BIR Accreditation No. 09-002142-1-2011 (December 8, 2011 to December 14, 2014) CDA Accreditation No. 0001 ( April 20,2010 to April 20, 2013)

12 September 2013

89 M.I. AME ACCOUNTING OFFICE

INDEPENDENT AUDITOR’S REPORT

TO THE STOCKHOLDERS AND THE BOARD OF DIRECTORS ESCUELA DE SAN DIONISIO, INC. 0530 Quirino Avenue, San Dionisio, Parañaque City

I have audited the accompanying financial statements of ESCUELA DE SAN DIONISIO, INC. which comprise the statements of financial position as at May 31, 2013 and 2012, and the statements of comprehensive income, statements of changes in equity and statements of cash flows for the years then ended, and a summary of significant accounting policies and other explanatory notes. Management’s Responsibility for the Financial Statements Management is responsible for the preparation and fair presentation of these financial statements in accordance with Philippine Financial Reporting Standards for Small and Medium-Sized Entities ( PFRS for SMEs) , and for such internal control as management determines is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error. Auditors’ Responsibility Escuela de San Dionisio My responsibility is to express an opinion on these financial statements based on our audits. I conducted my audits in accordance with Philippine Standards on Auditing. Those standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by management, as well as evaluating the overall presentation of the financial statements. I believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for my audit opinion. Opinion In my opinion, the financial statements present fairly, in all material respects, the financial position of ESCUELA DE SAN DIONISIO, INC. as at May 31, 2013 and 2012, and of its financial performance and its cash flows for the years then ended in accordance with Philippine Financial Reporting Standards for Small and Medium-Sized Entities( PFRS for SMEs).

Report on Other Legal and Regulatory Requirements My audits were conducted for the purpose of forming an opinion on the basic financial statements taken as a whole. The supplementary information on taxes and licenses, taxable revenue and deductible expenses in the related notes to the financial statements are presented for purposes of filing with the Bureau of Internal Revenue. Furthermore, the supplementary information on the attached schedule showing the reconciliation of the retained earnings available for dividend declaration as of May 31, 2013, along with the other supplementary information required by the Securities and Exchange Commission shown in schedules presented are presented for purposes of additional analysis. Those supplementary information are the responsibility of management and have been subjected to the auditing procedures applied in our audit of the basic financial statements. In our opinion, those supplementary information are fairly stated in all material respects in relation to the basic financial statements taken as a whole.

MA. ELMA L. ILAGAN-AME CPA No. 79047 BOA Reg. No. 0195 ( January 1, 2011 to December 31, 2013) TIN No. 134-550-503-000 PTR No. CAV3179656 , January 3, 2013, Trece Martires City, Cavite BSP Accreditation ( Category C) (November 15,2011 to November 15, 2014) SEC Accreditation No. 0448-AR-2( Category C ) ( January 18, 2013 to January 17, 2016) BIR Accreditation No. 09-002142-1-2011 (December 8, 2011 to December 14, 2014) 90 CDA Accreditation No. 0001 ( April 20,2010 to April 20, 2013) 12 September 2013 ESCUELA DE SAN DIONISIO, INC. Quirino Avenue, San Dionisio, Parañaque City

STATEMENTS OF FINANCIAL POSITION As of May 31, 2013 and 2012 (Amounts in Philippine Pesos) Escuela de San Dionisio

Notes 2013 2012

ASSETS CURRENT ASSETS Cash 2,5 20,591,184.62 18,511,138.36 Trade and other receivables 2,6 2,369,332.65 1,903,819.50 Inventories and supplies 2,7 267,469.35 277,962.95 Prepayments 2,8 275,788.29 176,405.39 Total Current Assets 23,503,774.91 20,869,326.20

NON-CURRENT ASSETS Property and equipment, net 2,9 1,580,022.79 1,857,884.58 Other Non-Current assets, net 2,10 424,514.16 550,183.72 Total Non-Current Assets 2,004,536.95 2,408,068.30

TOTAL ASSETS 25,508,3 11.86 23,277,394.50

LIABILITIES AND EQUITY LIABILITIES CURRENT LIABILITIES Trade and other payables 2,11 16,755,903.40 16,048,988.67 Dividends Payable 2, 12 842,679.20 594,116.45 Tax Liabilities 2,13 61,852.69 102,608.05 Total Current Liabilities 17,660,435.29 16,745,713.17 TOTAL LIABILITIES 17,660,435.29 16,745,713.17

SHARE CAPITAL 2,14 2,550,200.00 2,550,200.00 RETAINED EARNINGS- FREE 2,15 2,493,962.44 2,481,481.33 RETAINED EARNINGS- APPROPRIATED 2,15 2,803,714.13 1,500,000.00 TOTAL EQUITY 7,847,876.57 6,531,681.33

TOTAL LIABILITIES AND EQUITY 25,508,3 11.86 23,277,394.50

See Accompanying Notes to Financial Statements.

91 ESCUELA DE SAN DIONISIO, INC. Quirino Avenue, San Dionisio, Parañaque City

STATEMENTS OF COMPREHENSIVE INCOME For the years ended May 31, 2013 and 2012 (Amounts in Philippine Pesos)

Notes 2013 2012

REVENUES 2,16 14,505,846.30 15,887,703.52

COST OF SERVICES 2,17 18,662,688.74 18,962,435.61

GROSS PROFIT (4,156,842.44) (3,074,732.09)

OTHER INCOME (EXPENSES) 2,18 8,228,644.48 8,216,724.80

TOTAL INCOME 4,071,802.04 5,141,992.71

Escuela de San Dionisio ADMINISTRATIVE EXPENSES 2,19 1,732,873.25 2,055,981.27

NET INCOME BEFORE TAX 2,338,928.79 3,086,011.44

INCOME TAX EXPENSE 2, 13.1,13.3 180,054.35 277,080.77

NET INCOME 2,158,874.44 2,808,930.67

See Accompanying Notes to Financial Statements.

92 ESCUELA DE SAN DIONISIO, INC. Quirino Avenue, San Dionisio, Parañaque City

STATEMENTS OF CHANGES IN EQUITY For the years ended May 31, 2013 and 2012 (Amounts in Philippine Pesos) Escuela de San Dionisio Notes 2013 2012

SHARE CAPITAL 2,14

Authorized capital- Php 3,000,000,00 at Php 100.00 divided into 30,000 shares Balance at beginning of year 2,550,200.00 2,550,100.00 Add: Receipts from Payment of Subscription - 100.00 Balance at end of year 2,550,200.00 2,550,200.00

RETAINED EARNINGS, FREE 2,15 Balance at beginning of year 2,481,481.33 2,555,906.07 Add: Net Income 2,158,874.44 2,808,930.67 Less: Dividends paid 15.1 - (1,218,390.79) Payment BIR ofPayments tax deficiency 15.2 - (120,752.29) Correction of prior period errors - (44,212.33) Appropriations 15.3 (2,146,393.33) (1,500,000.00) Balance at end of year 2,493,962.44 2,481,481.33

RETAINED EARNINGS, APPROPRIATED 2,15, 15.3 Balance at beginning of year 1,500,000.00 - Add: Appropriations for the year 2,146,393.33 1,500,000.00 Less: Dividends (842,679.20) - Balance at end of year 2,803,714.13 1,500,000.00

TOTAL EQUITY 7,847,876.57 6,531,681.33

See Accompanying Notes to Financial Statements.

93 ESCUELA DE SAN DIONISIO, INC. Quirino Avenue, San Dionisio, Parañaque City

STATEMENTS OF CASH FLOWS For the years ended May 31, 2013 and 2012 (Amounts in Philippine Pesos)

Notes 2013 2012

CASH FLOWS FROM OPERATING ACTIVITIES Net Income 2,158,874.44 2,808,930.67 Adjustments to reconcile net income to net cash provided by operating activities Provision for probable losses - 200,222.65 Depreciation and amortization 974,884.15 1, 113,695.63

Operating income before working capital changes 3,133,758.59 4,122,848.95 Change in assets and liabilities Decrease (Increase) in: Trade and other receivables (465,513.15) (149,405.49) Inventories and supplies 10,493.60 1 12,264.46

Escuela de San Dionisio Prepayments (99,382.90) 130,421.00 Increase (Decrease) in: Trade and other payables 706,914.73 (978,014.60) Dividends payable 248,562.75 594, 116.45 Income tax payable (40,755.36) (5,101.27)

Net cash provided by (used in) operating activities 3,494,078.26 3,827,129.50

CASH FLOWS FROM INVESTING ACTIVITIES Acquisition of property and equipment (459,844.05) (357,597.76) Non-Current assets (111,508.75) (209,420.00)

Net cash provided by (used in) investing activities (571,352.80) (567,017.76)

CASH FLOWS FROM FINANCING ACTIVITIES Increase in share capital - 100.00 Payments of tax deficiency for Sy 2008-2009 - (120,752.29) Dividends declared (842,679.20) (1,218,390.79) Correction of prior period errors - (44,212.33)

Net cash provided by (used in) financing activities (842,679.20) (1,383,255.41)

NET INCREASE (DECREASE) IN CASH 2,080,046.26 1,876,856.33

ADD: CASH , JUNE 1 18,511,138.36 16,634,282.03

CASH, MAY 31 20,591,184.62 18,5 11,138.36

See Accompanying Notes to Financial Statements.

94 ESCUELA DE SAN DIONISIO, INC. NOTES TO FINANCIAL STATEMENTS As of May 31, 2013

1. CORPORATE INFORMATION

Escuela de San Dionisio The ESCUELA DE SAN DIONISIO, INC. (EDSD) was organized on March 1, 2004 and was issued a Certificate of Incorporation on April 23, 2004 by the Securities and Exchange Commission (SEC) with authority to operate from the Department of Education. This school, while registered with SEC, is wholly owned and operated by the San Dionisio Credit Cooperative (SDCC), a multi-purpose cooperative duly registered with the Cooperative Development Authority. The EDSD is engaged in providing quality education for Nursery, Kindergarten, Preparatory and High School. It lives by the motto: “Excellence and equity in education.. in the spirit of cooperativism.”, and it operates by the cooperate value of service before profit.” It seeks to make quality education affordable to ordinary people of ordinary means. This school is operated by SDCC in the sense that the members of its Board of Directors are elected by the SDCC pursuant to the EDSD By-Laws and the Corporation Code. For this reason, this school is people oriented and its practices the cooperative principles to the extent possible especially in the quality education services and very, very low rates it charges to its students. Hence, any comparison of the EDSD’s tuition fees and other school charges with any neighboring private school will readily show that EDSD rates are much lower despite the fact that all its room are air-conditioned and its education services uses state-of-the- art technologies.

The EDSD’s registered office address, which is also its principal place of business, is at Quirino Avenue, San Dionisio, Paranaque City.

The financial statements of the company for the year ended May 31, 2013 were authorized for issue by the Company’s Board of Directors on September 11, 2013.

2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

The principal accounting policies applied in the preparation of these financial statements are set out below. These policies have been consistently applied to all the years presented, unless otherwise stated.

2.1 Basis of Preparation The financial statements of the Company have been prepared on a fair value measurement and are presented in Philippine Pesos, which is the Company’s functional and presentation currency. All values represent absolute amounts except when otherwise indicated.

The Company applied Section 35, “Transition to the PFRS for SMEs” in preparing the financial statements with January 1, 2009 as the date of transition and January 1, 2010, as the date of conversion.

The accompanying financial statements have been prepared on a going concern basis, which contemplate the realization of assets and settlement of liabilities in the normal course of business.

2.2 Statement of Compliance The accompanying financial statements have been prepared in accordance with Philippine Financial Reporting Standards for Small and Medium-Sized Entities (PFRS for SMEs).

2.3 Accounting Policies Adopted The following accounting standards that have been published and issued by the International Accounting Standards Board (IASB) and adopted by the FRSC which became effective for accounting periods beginning on or after January 1, 2009 were adopted by the Company: 95

Section 1 - Small and Medium – Sized Entities Section 2 - Concepts and Pervasive Principles Section 3 - Financial Statement Presentations Section 4 - Statement of Financial Position Section 5 - Statement of Comprehensive Income and Income Statement Section 6 - Statement of Changes in Equity and Statement of Income And Retained Earnings Section 7 - Statement of Cash Flows Section 8 - Notes to Financial Statements Section 10 - Accounting Policies, Estimates and Errors Section 11 - Basic Financial Instruments Section 13 - Inventories Section 17 - Property and Equipment Section 21 - Provisions and Contingencies Section 22 - Liabilities and Equity Section 23 - Revenue Section 27 - Impairment of Assets Section 28 - Employee Benefits Section 29 - Income Tax Section 32 - Events after the End of the Reporting Period Section 33 - Related Party Disclosures Section 35 - Transition to the PFRS for SME’s Escuela de San Dionisio

The effects of these new standard, amendments and interpretations on the Company’s accounting policies and on the amounts disclosed in the financial statements are summarized as follows:

Section 1, “Small and Medium-Sized Entities” PFRS for SMEs is intended for Non Publicly Accountable Entities that publish general purpose financial statements for external users

Section 2,” Concepts and Pervasive Principles” describes the objective of financial statements of small and medium-sized entities (SMEs) and the qualities that make the information in the financial statements of SMEs useful. It also sets out the concepts and basic principles underlying the financial statements of SMEs.

Section 3, “Financial Statement Presentation” provides a framework within which an entity assesses how to present fairly the effects of transactions and other events. It requires that an entity shall make an explicit and unreserved statement of compliance with PFRS for SMEs in the notes, complete sets of financial statements must be presented at least annually and at least one year comparative statements and note data, and items should be consistently presented and classified from one period to the next.

Section 4, “Statement of Financial Position”, provides specific requirements on the presentation, classification and related disclosures of entity’s assets, liabilities and equity as of a specific date.

Section 5, “Statement of Comprehensive Income and Income Statement”, provides specific requirements on the presentation, classification and related disclosures of entity’s total comprehensive income, its financial performance for the period in one or two financial statements.

Section 6, “Statement of Changes in Equity and Statement of Income and Retained Earnings” sets out requirements for presenting the changes in an entity’s equity for a period, either in a statement of changes in equity or, if specified conditions are met and an entity chooses, in a statement of income and retained earnings.

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Section 7, “Statement of Cash Flows” requires the provision of information about the historical changes in cash and cash equivalents of an entity by means of a cash flow statement which classifies cash flows during the period from operating, investing, and financing activities.

Section 8, “Notes to Financial Statements” sets out the principles underlying information that is to be presented in the notes to the financial statements and how to present it. Notes contain information in addition to that presented in the statement of financial position, statement of comprehensive income, Escuela de San Dionisio income statement (if presented), combined statement of income and retained earnings (if presented), statement of changes in equity, and statement of cash flows. Notes provide narrative descriptions or desegregations of items presented in those statements and information about items that do not qualify for recognition in those statements. In addition to the requirements of this section, nearly every other section of this PFRS requires disclosures that are normally presented in the notes.

Section 10, “Accounting Policies, Estimates, and Errors,” eliminates the concept of fundamental error and the allowed alternative to retrospective application of voluntary changes in accounting policies and retrospective restatement to correct prior period errors. The section defines material omissions and misstatements and describes how to apply the concept of materiality when applying accounting policies and correcting errors.

Section 11, “Basic Financial Instruments” applies to basic financial instruments and is relevant to all entities. An entity shall recognize a financial asset or a financial liability only when the entity becomes a party to the contractual provisions of the instrument. When a financial asset or financial liability is recognized initially, an entity shall measure it at the transaction price unless the arrangement constitutes, in effect, a financing transaction.

Section 13, “Inventories” limits the alternatives for measurement of inventories. Inventories are measured at the lower of cost and estimated selling price less costs to complete and sell. Cost is determined using specific identification for large items and FIFO or weighted average for others. Inventory cost includes cost to purchase, costs of conversion and costs to bring the asset to present location and condition.

Section 17, “Property and Equipment” prescribes the accounting treatment and related disclosures for property and equipment, investment property, and non-current assets held for sale whose fair value cannot be measured reliably without undue cost and effort. It provides guidance on initial and subsequent recognition as well as measurement after recognition. It requires depreciation for each significant part of an item of property, plant and equipment. The standard also provides guidance on the determination of the carrying amount of the assets, the residual value, depreciation period and derecognition principles to be observed.

Section 21, “Provisions and Contingencies” ensures that appropriate recognition criteria and measurement basis are applied to provisions, contingent liabilities, and contingent assets and that sufficient information is disclosed in the notes to financial statements to enable users to understand their nature, timing and amount.

Section 22, “Liabilities and Equity” establishes principles for classifying financial instruments as either liabilities or equity and addresses accounting for equity instruments issued to individuals or other parties acting in their capacity as investors in equity instruments (i.e. in their capacity as owners).

Section 23, “Revenue” provides additional guidelines as to the timely recognition of revenue, which is measured at the fair value of the consideration received or receivable.

Section 27, “Impairment of Assets” prescribes the procedures that an entity applies to ensure that its assets are carried at no more than their recoverable amount if its carrying amount exceeds the amount to be recovered through use or sale of the asset. If this is the case, the asset is described to be impaired and the standard requires the entity to recognize an impairment loss. The section also specifies when an entity should reverse an impairment loss previously recognized.

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Section 28, “Employee Benefits” applies to all employee benefits offered by an employer to employees and their dependents and beneficiaries. This section applies to employee benefits under: (i) formal plans and agreements between an enterprise and its employees, (ii) national, local, industry or multi-employer plans; and informal practices giving rise to a constructive obligation. This section also identifies the following categories of employee benefits such as short-term employee benefits, post employment benefits, other long-term employee benefits and termination benefits.

Section 29, “Income tax” covers accounting for income tax. It requires an entity to recognize the current and future tax consequences of transactions and other events that have been recognized in the financial statements.

Section 32, “Events after the End of the Reporting Period” defines events after the end of the reporting period and sets out principles for recognizing, measuring and disclosing such events.

Section 33, “Related Party Disclosures” provides additional guidance and clarity in the scope, definitions, and the disclosures for related parties. It requires disclosure of the compensation of key management personnel.

Section 35, “Transition to the PFRS for SMEs”, applies to a first-time adopter of the PFRS for SMEs, regardless of whether its previous accounting framework was full PFRSs or another set of generally accepted accounting principles (GAAP) such as its national accounting standards, or another framework such as the local income tax basis.

Escuela de San Dionisio The adoption of the above standards, amendments and interpretations, upon which the Company has opted to adopt, did not have any significant effect on the Company’s financial statements. These, however, require additional disclosures on the Company’s financial statements.

In 2013, it is the opinion of Management that assets and liabilities were recognized at fair value, hence, these were considered deemed cost.

The significant accounting policies and practices of the Company are set forth to facilitate the understanding of the financial statements.

Financial Assets

Financial assets include cash, trade & other receivables, and financial instruments held at amortized cost. Cash

Cash are stated at face value. Cash includes cash in bank and petty cash fund. Cash in bank in savings accounts earn interest at the respective bank deposit rates and these are deposits held at call with banks. Petty cash funds are intended as working funds for a small amount of expenses such as periodicals, reproduction cost, transportation, etc. Cash equivalents, if any, may consist of short-term, highly liquid debt instruments that are readily convertible to known amounts of cash with original maturities of three months or less and that are subject to an insignificant risk of change in value.

Trade and other receivables

Trade receivables are recognized initially at its transaction price. They are subsequently measured at amortized cost less provision for impairment. A provision for impairment of account receivables is established when there is objective evidence that the company will not be able to collect all amounts due according to the original terms of the receivables.

Other receivables are stated at amortized cost less provision for impairment. Impairment is considered when there is objective evidence that the Company will not be able to collect the debts.

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Inventories and Unused Supplies Inventories are assets with are held for sale in the ordinary course of business in the process of production for sale or in form of materials or supplies to be consumed in the production process or in rendering of services. Inventories are valued at lower of cost and net realizable value. Unused supplies are carried at cost. Prepayments Escuela de San Dionisio

Prepayments are carried at its transaction cost.

Property and Equipment

Property and equipment are stated at cost, excluding the costs of day-to-day servicing, less accumulated depreciation and amortization and any impairment in value. The initial cost of property and equipment comprises its purchase price and any directly attributable costs of bringing the asset to its working condition and location for its intended use. Expenditures incurred after the property and equipment have been put into operations, such as repairs and maintenance and overhaul costs, are normally charged to operations in the period the costs are incurred. In situations where it can be clearly demonstrated that the expenditures have resulted in an increase in the future economic benefits expected to be obtained from the use of an item of property, and equipment beyond its originally assessed standard of performance, the expenditures are capitalized as additional costs of property and equipment. Cost also includes any asset retirement obligation and interest on borrowed funds used. When assets are sold or retired, their costs and accumulated depreciation, amortization and impairment losses, if any, are eliminated from the accounts and any gain or loss resulting from their disposal is included in the statement of operations of such period. Depreciation and amortization are calculated on a straight-line basis over the useful lives of the assets. The useful life of each of the property and equipment is estimated based on the period over which the asset is expected to be available for use. Such estimation is based on a collective assessment of industry practice and experience with similar assets. The assets' residual values, useful lives and depreciation and amortization method are reviewed, and adjusted if appropriate, if there is an indication that there has been a significant change since the last annual reporting date. An item of property and equipment is derecognized upon disposal or when no future economic benefits are expected to arise from the continued use of the asset. Any gain or loss arising on derecognition of the asset (calculated as the difference between the net disposal proceeds and the carrying amount of the item) is included in the statement of operations in the year the item is derecognized. Other Non-Current Assets

Other Non-current assets include computerization cost and books. Books and computerization costs are measured at cost less accumulated depreciation and amortization and any impairment in value. Financial Liabilities

Financial liabilities include accounts payable.

Financial liabilities are recognized when the Company becomes a party to the contractual provisions of the instrument. Trade and Other payables

Accounts payables are liabilities to pay for goods or services that have been received or supplied and have been invoiced or formally agreed with the supplier. Accounts payables are not interest bearing and are stated at their nominal value.

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Accounts payables are measured initially at their nominal values and subsequently recognized at amortized costs less settlement payments. Dividends Payable The dividends payable represents unpaid dividends which were declared on July 19, 2013 amounting to Php 842,679.20 as of May 31, 2013. They are recorded at their carrying amounts as of Balance sheet date. Other Payables Represents statutory obligations such as SSS , Phil health and HDMF payable. They also include various advances and accruals. They are measured at their transaction costs. Income Tax Payable The tax currently payable for the year is Special Tax Rate. Taxable profit differs from net profit as reported in the statements of operations, because it excludes items of income or expense that are taxable or deductible in other years and it further excludes items that are never taxable or deductible. The reconciliation of the Company’s liability, if any, for current tax is calculated using 10% tax rate.

Impairment of Financial Assets

The Company assesses at each balance sheet date whether there is objective evidence that a financial asset or group of financial assets is impaired. A financial asset or a group of financial assets is deemed to be

Escuela de San Dionisio impaired if, and only if, there is objective evidence of impairment as a result of one or more events that has occurred after the initial recognition of the asset (an incurred ‘loss event’) and that loss event (or events) has an impact on the estimated future cash flows of the financial asset or the group of financial assets that can be reliably estimated. Evidence of impairment may include indications that the borrower or a group of borrowers is experiencing significant financial difficulty, default or delinquency in interest or principal payments, the probability that they will enter bankruptcy or other financial reorganization and where observable data indicate that there is measurable decrease in the estimated future cash flows, such as changes in arrears or economic conditions that correlate with defaults.

Derecognition of Financial Assets and Financial Liabilities

Financial assets

A financial asset (or, where applicable a part of financial asset or part of a group of similar financial assets) is derecognized when: • the rights to receive cash flows from the asset have expired; • the Company retains the right to receive cash flows from the asset, but has assumed an obligation to pay them in full without material delay to a third party under a pass-through arrangement; or • the Company has transferred its rights to receive cash flows from the asset and either (a) has transferred substantially all the risks and rewards of the asset, or (b) has neither transferred nor retained substantially all the risks and rewards of the asset, but has transferred control of the asset.

Financial Liabilities

A financial liability is derecognized when the obligation under the liability is discharged, cancelled or expired. Where an existing financial liability is replaced by another from the same lender on substantially different terms, or the terms of an existing liability are substantially modified, such an exchange or modification is treated as a derecognition of the original liability and the recognition of a new liability, and the difference in the respective carrying amounts is recognized in the statement of income.

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Offsetting Financial Instruments

Financial assets and financial liabilities are offset and the net amount reported in the balance sheet if, and only if, there is a currently enforceable legal right to offset the recognized amounts and there is an intention to settle on a net basis, or to realize the asset and settle the liability simultaneously. This is not generally the case with master netting agreements, and the related assets and liabilities are presented gross in the balance sheet. Escuela de San Dionisio

Impairment of Non-financial Assets

The Company does not conduct an annual review, instead review is made only if there is an indication that there has been a significant change since the last annual reporting date. An asset’s recoverable amount is calculated as the higher of the asset’s or cash-generating unit’s fair value less costs to sell and its value in use or its net selling price and is determined for an individual asset, unless the asset does not generate cash inflows that are largely independent of those assets or groups of assets. Where the carrying amount of an asset exceeds it recoverable amount, the asset is considered impaired and is written down to its recoverable amount. In assessing value in use, the estimated future cash flows are discounted to their present value using a pre-tax discount rate that reflects current market assessment of the time value of money and the risks specific to the asset. Impairment losses are recognized in the statements of income in those expense categories consistent with the function of the impaired asset.

An assessment is made when there has been a significant change since the last annual reporting date as to whether there is an indication that previously recognized impairment losses may no longer exist or may have decreased. If such indication exists, the recoverable amount is estimated. A previously recognized impairment loss is reversed only if there has been a change in the estimates used to determine the asset’s recoverable amount since the last impairment loss was recognized. If that is the case, the carrying amount of the asset is increased to its recoverable amount. That increased amount cannot exceed the carrying amount that would have been determined, net of depreciation and amortization, had no impairment loss been recognized for the asset in prior years. Such reversal is recognized in the statements of income unless the asset is carried at revalued amount, in which case the reversal is treated as revaluation increase. After such a reversal, the depreciation charge is adjusted in future periods to allocate the asset’s revised carrying amount, less any residual value, on a systematic basis over its remaining useful life.

Share Capital

Share capital is determined using the nominal value of shares that have been issued and fully paid. The costs of acquiring Company’s own shares are shown as a deduction from equity attributable to the Company’s equity holders until the shares are cancelled or reissued. When such shares are subsequently sold or reissued, any consideration received, net of directly attributable incremental transaction costs and the related income tax effects, is included in equity attributable to the Company’s equity holders. Retained Earnings

Retained earnings include all current and prior period results as disclosed in the statement of comprehensive income. Revenue and cost recognition

Revenues Revenue is recognized when it is probable that the economic benefits associated with the transaction will flow to the Company and the amount of the revenue can be measured reliably. (a) Rendering of Services

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Revenue from services rendered is recognized at the time it is earned. The liability method of recognition is followed for all income from school operations.

(b) Finance Revenues

Finance revenues comprise interest income on deposits.

Sale

Income from sales primarily consists of sales of books uniforms and supplies, are recognized when there is substantial proof of transfer of ownership. It is measured at the fair value of the consideration received or receivable.

(d) Direct Costs and Administrative Expenses

Expenses and costs directly attributable to the performance of services to the clients are recognized in the statement of activities when incurred and can be measured reliably. The company follows the matching principle on when to recognize revenue, costs and expenses.

Employee Benefits

Short-term Benefits

Escuela de San Dionisio The Company recognizes a liability net of amounts already paid and an expense for services rendered by employees during the accounting period. Short-term benefits given by the Company to its employees include compensation, social security contributions, short-term compensated absences, bonuses and other non-monetary benefits. Termination Benefits

Termination benefits are payable when employment is terminated by the Company before the normal retirement date, or whenever an employee accepts voluntary redundancy in exchange for these benefits. The Company recognizes termination benefits when it is demonstrably committed to either: (a) terminating the employment of current employees according to a detailed formal plan without possibility of withdrawal; or (b) providing termination benefits as a result of an offer made to encourage voluntary redundancy. Benefits falling due more than 12 months after the balance sheet date are discounted to present value.

Compensated Absences

Compensated absences are recognized for the number of paid leave days (including holiday entitlement) remaining at the balance sheet date. They are included in Trade and Other Payables account in the balance sheet at the undiscounted amount that the Company expects to pay as a result of the unused entitlement.

Retirement Benefit Obligations

Pension benefits are provided to employees through a defined benefit plan, as well as several defined contribution plans. A defined benefit plan is a pension plan that defines an amount of pension benefit that an employee will receive on retirement, usually dependent on one or more factors such as age, years of service and salary. The legal obligation for any benefits from this kind of pension plan remains with the Company, even if plan assets for funding the defined benefit plan have been acquired. Plan assets may include assets specifically designated to a long-term benefit fund, as well as qualifying insurance policies. The Company’s defined benefit pension plan covers all regular full-time employees. The pension plan is tax-qualified, noncontributory and administered by a trustee. The liability recognized in the balance sheet for defined benefit pension plans is the present value of the defined benefit obligation (DBO) at the balance sheet date less the fair value of plan assets, together with adjustments for unrecognized actuarial gains or 102

losses and past service costs. The DBO is calculated annually by independent actuaries using the projected unit credit method. The present value of the DBO is determined by discounting the estimated future cash outflows using interest rates of high quality corporate bonds that are denominated in the currency in which the benefits will be paid and that have terms to maturity approximating to the terms of the related pension liability. Actuarial gains and losses are recognized in full in other comprehensive income.

Provisions Escuela de San Dionisio

Provisions are recognized when the Company has a present obligation (legal or constructive) as a result of past event, it is probable that an outflow of resources embodying economic benefits will be required to settle the obligation and a reliable estimate can be made of the amount of the obligation. Provisions are reviewed at each balance sheet date and adjusted to reflect the current best estimate. When the effect of the time value of money is material, the amount of a provision is the present value of the expenditures expected to be required to settle the obligation. Where the Company expects a provision to be reimbursed, the reimbursement is recognized as a separate asset but only when the reimbursement is virtually certain.

Contingencies

Contingent liabilities are not recognized in the financial statements. They are disclosed unless the possibility of an outflow of resources embodying economic benefits is remote. A contingent asset is not recognized in the financial statements but disclosed when an inflow of economic benefits is probable.

Events after the End of the Reporting Period

Post-year-end events up to the date of the auditor’s report that provide additional information about the Company’s position at the balance sheet date (adjusting events) are reflected in the financial statements. Post-year-end events that are not adjusting events are disclosed in the notes to financial statements when material.

Related Parties

Related party relationships exist when one party has the ability to control, directly or indirectly through one or more intermediaries, the other party or exercise significant influence over the other party in making financial and operating decisions. This includes: (1) individual owning, directly or indirectly through one or more intermediaries, control, or are controlled by, or under common control with, the Company; (2) associates; and (3) individuals owning, directly or indirectly, an interest in the voting power of the Company that gives them significant influence over the Company and close members of the family of any such individual.

The key management personnel of the Company and post-employment benefit plans for the benefit of Company’s employees are also considered to be related parties.

Income Taxes

As a private educational institution, the Company shall be taxed at 10% Special tax rate as stated in National Internal Revenue Code(NIRC).

3. MANAGEMENT’S SIGNIFICANT ACCOUNTING JUDGMENT AND ESTIMATE 3.1 Judgments

The preparation of the Company’s financial statements in conformity with PFRS for SMEs requires management to make estimates and assumptions that affect the amounts reported in the Company’s financial statements and accompanying notes. The estimates and assumptions used in the Company’s financial statements are based upon management’s evaluation of relevant facts and circumstances as of the date of the 103

Company’s financial statements. Actual results could differ from such estimates. Judgments and estimates are continually evaluated and are based on historical experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances. 3.2 Estimates

In the application of the Company’s accounting policies, management is required to make judgements, estimates and assumptions about the carrying amounts of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from these estimates. The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised if the revision affects only that period or in the period of the revision and future periods if the revision affects both current and future periods. • Estimated Useful Lives of Property and Equipment

The Company estimates the useful lives of property and equipment based on the period over which the property and equipment are expected to be available for use. The estimated useful lives of the property and equipment are reviewed if there is an indication that there has been a significant change since the last annual reporting date and are updated if expectations differ from previous estimates due to physical wear and tear, technical or commercial obsolescence and legal or other limits on the use of the

Escuela de San Dionisio property and equipment. In addition, the estimation of the useful lives of property and equipment is based on the collective assessment of industry practice, internal technical evaluation and experience with similar assets. It is possible, however, that future financial performance could be materially affected by changes in the estimates brought about by changes in factors mentioned above. The amounts and timing of recorded expenses for any period would be affected by changes in these factors and circumstances. A reduction in the estimated useful lives of the property and equipment would increase the recorded expenses and decrease the noncurrent assets. Depreciation is computed on a straight-line method over the estimated useful lives of the assets as follows: Asset Estimated Useful Life

Land Improvements 1- 10 years Other Equipment 1- 10 years Transportation Equipment 1-10 years Furniture and Fixture 1-10 years Office Equipment 1- 10 years

The foregoing estimated useful lives and depreciation method are reviewed if there is an indication that there has been a significant change since the last annual reporting date to ensure that these are consistent with the expected economic benefits of the property and equipment. • Impairment of Non-financial Assets

The Company assesses the value of property and equipment which require the determination of future cash flows expected to be generated from the continued use and ultimate disposition of such assets, and require the Company to make estimates and assumptions that can materially affect the financial statements. Future events could cause the Company to conclude that property, plant and equipment and other long-lived assets are impaired. Any resulting impairment loss could have a material adverse impact on the Company's financial condition and results of operations.

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The preparation of the estimated future cash flows involves significant judgment and estimations. While the Company believes that its assumptions are appropriate and reasonable, significant changes in these assumptions may materially affect the Company's assessment of recoverable values and may lead to future additional impairment charges. • Revenue recognition

The Company’s revenue recognition policies require the use of estimates and assumptions that may Escuela de San Dionisio affect the reported amounts of revenues and receivables. Differences between the amounts initially recognized and actual settlements are taken up in the accounts upon reconciliation. However, there is no assurance that such use of estimates may not result to material adjustments in future periods. • Pension Benefits

The determination of the obligation and cost for pension benefits is dependent on the selection of certain assumptions used by actuaries in calculating such amounts. Those assumptions, which include among others, discount rates and rates of compensation increase, are indicated in the corresponding notes to financial statements. Actual results that differ from the assumptions are accumulated and amortized over future periods and therefore, generally affect the recognized expense and recorded obligation in such future periods. While the Company believes that the assumptions are reasonable and appropriate, significant differences in the actual experience or significant changes in the assumptions may materially affect the pension obligation.

4. FINANCIAL RISK MANAGEMENT OBJECTIVES AND POLICIES

The Company is exposed to capital, credit, and liquidity risks that arise in the normal course of its business. Its risk and control framework includes a focus on minimizing negative effects on the Company's financial performance. These risks are addressed through corporate policies and procedures approved by the Board.

Capital risk

The Company's capital structure consists of debt, cash, and equity. This structure is managed and balanced through issuance of new shares, share buy backs and the issuance of new debt or the redemption of existing debt.

Credit risk

Credit controls are established throughout the Company to monitor credit limits on clients, assess the credit worthiness of new and current clients and promptly follow up overdue accounts. Due to the diversified client base of the Company, no major concentrations of credit risk exist.

L iquidity risks

In order to minimize liquidity risk, the Company maintains sufficient cash and has the availability of funding through an adequate amount of committed credit facilities.

105

5. CASH

Cash includes the following components as of May 31:

Notes 2013 2012

Petty Cash Fund 5,000.00 2,000.00 Cash in Bank: BDO S/A 4,782,775.94 2,985,494.14 May Bank S/A 467,571.40 270,577.97 SDCC S/A 3,895,440.44 2,462,178.58 SDCC Time Deposit 11,440,396.84 8,663,158.33 BDO Time Deposit - 4,127,729.34 Total Cash 20,591,184.62 18,511,138.36

Cash in banks as well as time deposits earn interests at rates based on daily bank deposit rates.

6. TRADE AND OTHER RECEIVABLES Escuela de San Dionisio

This account consists of the following:

Notes 2013 2012

Trade receivables-Tuition fees 2,127,820.92 1,782,199.98 Allowance for probable losses 19 (212,957.65) (200,222.65) Net Realizable value 1,914,863.27 1,581,977.33 Other Receivables 283,492.90 207,545.69 Cash advance for operations 170,976.48 114,296.48 Total Trade and Other Receivables 2,369,332.65 1,903,819.50

The fair values of accounts receivable have not been disclosed as, due to their short duration, management considers the carrying amounts recognized in the balance sheet to be a reasonable approximation of their fair values.

7. UNUSED SUPPLIES AND INVENTORIES

This account consists of the following

2012

Unused office supplies 18,857.70 23,244.30 Inventories 248,611.65 254,718.65 Total Other Current Assets 267,469.35 277,962.95

The carrying values of these assets are believed to be a reasonable approximation of their fair values.

106 8. PREPAYMENTS

This account consists of the following

2013 2012

Prepaid expenses 275,788.29 176,405.39 Escuela de San Dionisio Total Prepayments 275,788.29 176,405.39

The carrying values of these assets are believed to be a reasonable approximation of their fair values.

9. PROPERTY AND EQUIPMENT

This account consists of the following:

Furniture, Fixtures and Office Transportation Equipment Other Equipment Equipment

Year ended May 31, 2013 Opening Net Book Value, June 1, 2012 749,843.21 75,881.45 1,032,159.92 Addition 391,875.80 67,968.25 - Depreciation 16.1 (529,551.43) (79,134.37) (129,020.04) Carrying Amount - 612,167.58 64,715.33 903,139.88

Land Improvements Total

Year ended May 31, 2013 Opening Net Book Value, June 1, 2012 - 1,857,884.58 Addition - 459,844.05 Depreciation 16.1 - (737,705.84) Carrying Amount - 1,580,022.79

Furniture, Fixtures and Office Transportation Equipment Other Equipment Equipment

At May 31, 2013 Cost 6,354,502.66 534,240.78 1,290,200.00 Accumulated Depreciation (5,742,335.08) (469,525.45) (387,060.12) Carrying Amount - 612,167.58 64,715.33 903,139.88

Land Improvements Total

At May 31, 2013 Cost 237,636.28 8,416,579.72 Accumulated Depreciation (237,636.28) (6,836,556.93) Carrying Amount - - 1,580,022.79

107 Furniture, Fixtures and Office Transportation Equipment Other Equipment Equipment

Year ended May 31, 2012 Opening Net Book Value, June 1, 2011 1,061,440.38 105,242.96 1,161,179.96 Addition 296,452.00 61,145.76 - Depreciation 16.1 (608,049.17) (90,507.27) (129,020.04) Carrying Amount - 749,843.21 75,881.45 1,032,159.92

Land Improvements Total

Year ended May 31, 2012 Opening Net Book Value, June 1, 2011 - 2,327,863.30 Addition - 357,597.76 Depreciation 16.1 - (827,576.48) Carrying Amount - 1,857,884.58

Furniture, Fixtures

Escuela de San Dionisio and Office Transportation Equipment Other Equipment Equipment

At May 31, 2012 Cost 5,962,626.86 466,272.53 1,290,200.00 Accumulated Depreciation (5,212,783.65) (390,391.08) (258,040.08) Carrying Amount - 749,843.21 75,881.45 1,032,159.92

Land Improvements Total

At May 31, 2012 Cost 237,636.28 7,956,735.67 Accumulated Depreciation (237,636.28) (6,098,851.09) Carrying Amount - - 1,857,884.58

108 10. OTHER NON-CURRENT ASSETS

This account consists of following:

2013 Notes Books Computerization Total

Net Book Value, June 1, 2011 157,824.06 392,359.66 550,183.72 Escuela de San Dionisio Add: Acquisitions 54,508.75 57,000.00 111,508.75 Less: Amortizations (100,365.07) (136,813.24) (237,178.31) Net Book Value, May 31 11 1,967.74 312,546.42 424,514.16

2012 Notes Books Computerization Total

Net Book Value, June 1, 2011 166427.17 460,455.70 626,882.87 Add: Acquisitions 77,120.00 132,300.00 209,420.00 Less: Amortizations 16.1 (85,723.11) (200,396.04) (286, 119.15) Net Book Value, May 31 157,824.06 392,359.66 550,183.72

11. TRADE AND OTHER PAYABLES

This account consists of following:

2013 2012

Unearned Tuition Fees 6,496,152.24 5,808,224.84 SSS/Philhealth/Pag ibig premium payable 23,295.70 22,662.20 Rent expense payable 9,821,420.28 9,589,520.28 Employee retirement fund payable 26,641.31 25,063.91 Accrued Expenses- others 66,876.31 66,876.27 Donations 24,223.50 24,223.50 Other Payables 297,294.06 512,417.67 Total Trade and Other Payables 16,755,903.40 16,048,988.67

The fair values of accounts payable and accrued expenses have not been disclosed as, due to their short duration, management considers the carrying amounts recognized in the balance sheet to be a reasonable approximation of their fair values.

12. DIVIDENDS PAYABLE

This account consists of following:

Notes 2013 2012

Balance at the beginning of the year 594,116.45 - Add: Dividends declared during the year 15.1 842,679.20 1,218,390.79 Less:Payments made during the year (594, 116.45) (624,274.34) Balance at the end of the year 842,679.20 594,116.45

The Board of Directors intend to distribute these dividends as soon as cash is available.

109 13. TAX LIABILITIES This account consists of following:

2013 2012

Expanded withholding tax payable 14,175.00 14,175.00 Withholding tax payable on compensation 44,180.94 46,379.54 Income tax payable 3,496.75 42,053.51 Total Tax liabilities 61,852.69 102,608.05

13.1 INCOME TAX PAYABLE

The following table presents information to calculate income tax due for the year:

2013 2012

NET INCOME BEFORE TAX 2,338,928.79 3,086,011.44 ADD( Less) Permanent Differences: Interest income from deposits (538,385.32) (515,426.35) Disallowed Provision for probable losses on loans - 200,222.65

Escuela de San Dionisio Net Income Subjected to Tax 1,800,543.47 2,770,807.74

INCOME TAX DUE Special tax rate (10%) 180,054.35 277,080.77

Less: Quarterly Payments 176,557.60 169,567.04 Prior years' tax credits - 65,460.22 Income Tax Payable 3,496.75 42,053.51

13.2 New Tax Regulations

Effective July 2008, Republic Act 9504 was approved giving corporate taxpayers an option to claim itemized deduction or optional standard deduction (OSD) equivalent to 40% of gross sales. Once the option to use OSD is made, it shall be irrevocable for the taxable year for which the option was made.

In 2013 and 2012, the Company opted to continue claiming itemized standard deductions.

13.3 The following are the Components of tax expense ( income) as reported in the income statements:

Notes 2012

Reported In Income Statements Special income tax- at 10% 13 180,054.35 277,080.77 Final tax at 20% 134,596.33 128,856.59 Total 314,650.68 405,937.36

110 14. SHARE CAPITAL

This account consists of following:

2013 2012

Authorized capital- Php 3,000,000,00 at Php 100.00 Escuela de San Dionisio divided into 30,000 shares Balance at the beginning of the year 2,550,200.00 2,550,100.00 Add: Receipts from subscriptions - 100.00 Balance at the end of the year 2,550,200.00 2,550,200.00

15. RETAINED EARNINGS

This account consists of following:

Notes 2013 2012

Retained Earnings, Free Balance at the beginning of the year 2,481,481.33 2,555,906.07 Add: Net Income 2,158,874.44 2,808,930.67 Less: Dividends paid 12, 15.1 - (1,218,390.79) Payment of tax deficiency - (120,752.29) Correction of prior period errors - (44,212.33) Appropriations 15.3 (2,146,393.33) (1,500,000.00) Balance at the end of the year 2,493,962.44 2,481,481.33

Notes 2013 2012

Retained Earnings, Appropriated Balance at the beginning of the year 1,500,000.00 - Add: Appropriations 15.2 2,146,393.33 - Less: Dividends paid during the year (842,679.20) 1,500,000.00 Balance at the end of the year 2,803,714.13 1,500,000.00

15.1 Dividends

This account consists of following:

Notes 2013 2012

Dividends 842,679.20 1,218,390.79 Total Dividends 12,15 842,679.20 1,218,390.79

Dividends declared on July 19, 2013 were paid on August 13, 2013.

111 15.2 Appropriations

This account consists of following:

Notes 2013 2012

Appropriation for dividends 646,393.33 842,679.20 Appropriation for school expansion and improvements 1,500,000.00 657,320.80 Total Appropriations 12,15 2,146,393.33 1,500,000.00

The Board of Directors appropriated retained earnings amounting to Php 646,393.33 as dividends for 2012-2013 and Php 1,500,000.00 for the school expansion and improvements as per Board Resolution dated September 6, 2013.

16. REVENUES

This account consists of following:

2013 2012

Tuition Fees 14,505,846.30 15,887,703.52 Escuela de San Dionisio Total Revenues 14,505,846.30 15,887,703.52

17. COST OF SERVICES

This account consists of following:

Notes 2013 2012

Salaries and wages 21.1 5,663,767.38 5,433,159.52 Employees Benefits 21.1 1,721,308.26 1,765,078.92 SSS/HDMF/Philhealth 21.1 511,947.20 480,840.20 Library and other materials 439,315.10 421,654.21 Power, light and water 2,588,502.89 2,598,627.09 Fellowship, Cultural and other Activities 1,075,681.51 515,264.61 Insurance 66,584.80 62,834.15 Rent 3,402,000.00 3,402,000.00 Repairs and maintenance 784,282.51 936,903.79 Professional fees 1,350,533.94 1,298,056.34 Depreciation and amortization 17.1 974,884.15 1,113,695.63 Miscellaneous direct expenses 83,881.00 934,321.15 Total Cost of Services 18,662,688.74 18,962,435.61

112 17. 1 DEPRECIATION AND AMORTIZATION

This account consists of following:

Notes 2013 2012

Depreciation 9,17 737,705.84 827,576.48 Escuela de San Dionisio Amortization 10,17 237,178.31 286,119.15 Total depreciation and amortization 974,884.15 1,113,695.63

18.OTHER INCOME (EXPENSES)

This account consists of following:

Notes 2013 2012

Miscellaneous fee 6,282,837.76 6,911,690.58 Miscellaneous fees-Others 896,568.58 386,629.40 Income from book , supplies and uniforms 18.1 510,852.82 402,978.47 Interest Income from Deposits 538,385.32 515,426.35 Total other income 8,228,644.48 8,216,724.80

18.1 INCOME FROM SALES OF BOOKS, SUPPLIES AND UNIFORMS

This account is computed as follows:

2013 2012

Net Sales 2,120,177.43 2,451,647.17 Cost of Sales Beginning Merchandise Inventory 254,718.65 362,596.51 Add: Net Purchases 1,603,217.61 1,940,790.84 Total Goods Available for Sale 1,857,936.26 2,303,387.35 Less: Ending Merchandise Inventory (248,6 11.65) (254,718.65) Cost of Sales 1,609,324.61 2,048,668.70 Gross Income from sale of books, supplies and uniforms 510,852.82 402,978.47

113 19. ADMINISTRATIVE EXPENSES

This account consists of the following:

Notes 2013 2012

General support services 726,552.00 726,552.00 Trainings, seminars and conferences 261,777.76 357,496.86 Supplies 37,565.60 24,539.85 Communication 103,757.46 109,190.70 Transportation and representation 74,342.57 87,219.77 Taxes and licenses 26 156,114.23 166,311.80 Medical and dental expense 8,457.52 38,311.00 Periodicals, Magazines and Subscriptions 6,384.00 8,178.00 EDSD Employees Retirement Fund Expense 21.2 357,922.11 337,958.64 Provision for probable losses 6 - 200,222.65 Total administrative expense 1,732,873.25 2,055,981.27

20 . RELATED PARTY TRANSACTIONS

Escuela de San Dionisio Parties are considered to be related if one party has the ability to control the other party or exercise significant influence over the other party in making financial and operating decisions. This includes: (a) individuals owning, directly or indirectly through one or more intermediaries, control or are controlled by, or under common control with, the Company; (b) associates; and (c) individuals owning, directly or indirectly, an interest in the voting power of the Company that gives them significant influence over the Company and close members of the family of any such individual.

The following are the related party transactions of the Company:

a. Due to Related Parties As of May 31, 2013 and 2012, this consists of unpaid rentals to SDCC amounting to Php 9,821,420.28 and 9,589,520.28 respectively.

b. Key Management Personnel Compensation and Benefits

There are no key management personnel receiving compensation as well as other employee benefits.

114 21. EMPLOYEE BENEFITS

21.1 Salaries and Employee Benefits Expense

Details of salaries and employee benefits are presented below:

Notes 2013 2012 Escuela de San Dionisio

Short-term employee benefits: Salaries and Wages 17 5,663,767.38 5,433,159.52 Employees Benefits 17 1,721,308.26 1,765,078.92 SSS, Philhealth and Pag-ibig Fund Contributions 17 511,947.20 480,840.20 Total Short-term employee benefits 7,897,022.84 7,679,078.64

Long-term employee benefits: Retirement obligation 21.2 357,922.11 337,958.64

Total 8,254,944.95 8,017,037.28

21.2 EMPLOYEE RETIREMENT BENEFIT OBLIGATION

The Company maintains a wholly funded, tax-qualified non-contributory retirement plan that is being administered by a trustee covering all regular full-time employees. Actuarial valuations are made periodically to update the retirement benefit costs and amount of contributions. Last actuarial valuation was done on July 10, 2008, to be amortized equally over the succeeding nine (9) years.

Based on the actuarial valuation, the funding method used was the " Entry-Age-Normal" cost method, where the accrued liability is the present value of all benefits less the present value of all future normal cost contributions. Accrued liability was determined at P 564, 115.00 as of the valuation date, July 10, 2008.

As of May 31, 2013, fair value of the plan assets of the retirement fund was computed at Php 1,336,929.13.

The plan assets consist of savings deposit, both for 2013 and 2012.

The amounts of retirement benefits expense recognized in the income statements are as follows:

Notes 2013 2012

Amortization of Accrued Liability 62,679.36 62,679.36 Current Service Costs 295242.75 275,279.28 Total Retirement Expense 19,21 357,922.11 337,958.64

For the determination of the retirement benefit obligation, the following actuarial assumptions were used:

Discount rate 8% Salary increase rate 6% Normal Cost Rate 5.29%

Assumptions regarding future mortality are based on published statistics and mortality tables. The average age for the male was 27.61 years and for the females, 35.01 years.The average length of service for the male was 8.37 years, for the female, 33.28 years, and for both, 32.61 years. 115 21.3 Tax Angle

Since the Company is subject to income tax, and the retirement plan is a tax-qualified plan, Company contributions for current service cost are considered 100% tax deductible, while those pertaining to past service ( amortization of the transition liability, past service cost and actuarial gains or losses; interest cost; and the expected return on plan assets) are deductible to the extent ot 10%, the other 90% being spread equally over the next succeeding nine ( 9) years.

Further, the income from the Trust Fund from its investments is fully exempt from income tax ( Sec. 32 (b) (6) (a) of the Tax Code of 1997).

Ultimately, when the benefits are distributed to the retirees, these benefits are tax-exempt under certain conditions.

22. EVENTS AFTER BALANCE SHEET DATE

There were no events after balance sheet date that would require a disclosure or adjustment on the financial statements of the Company. Escuela de San Dionisio

23. COMMITMENTS AND CONTINGENCIES

There were no significant commitments and contingencies involving the Company as of Balance Sheet date.

24. GOING CONCERN The accompanying financial statements have been prepared on a going concern basis, which contemplate the realization of assets and settlement of liabilities in the normal course of business.

There were no going concern issues that need to be disclosed involving the Company.

25. RECLASSIFICATION

Certain accounts in 2012 were reclassified to conform with the 2013 presentation of financial statements.

116 26. SUPPLEMENTARY INFORMATION REQUIRED AS PER BIR RR 15-2010

The following information on taxes, duties and license fees paid or accrued during the taxable year is presented for purposes of filing with the Bureau of Internal Revenue and is not a required part of the basic financial statements. Escuela de San Dionisio A. OUTPUT VAT

2013 VATABLE ZERO RATED EXEMPT TOTAL

REVENUES - - - OTHER REVENUES - TOTAL REVENUES - - -

OUTPUT VAT RATE 12% 0% - -

TOTAL OUTPUT VAT - - - -

The Company is a private educational institution committed to deliver quality education to elementary and secondary students. Therefore, its revenues , derived from the tution fees of its enrollees, as well as donations from its benefactors, are all exempt from VAT.

B. INPUT VAT:

Being a VAT- exempt entity, the Company treats its INPUT VAT as part of the Cost of Goods or Services Purchased.

C. TAXES AND LICENSES

Details of the Company's Taxes and Licenses , either paid or accrued are as follows:

Presented under Administrative Expenses:

2013

BIR Annual Registration 500.00 Business Permit 155,614.23 Total Taxes and Licenses 156, 114.23

D. WITHHOLDING TAXES

Details of the Company's witholding taxes , either paid or accrued, are as follows:

2013

Expanded withholding tax 344,289.65 Withholding taxes on compensation 267,223.00 Total 6 11,512.65

117 27. SUPPLEMENTARY INFORMATION REQUIRED BY THE BIR UNDER RR 19-2011

Fees Details of the Escuela De San Dionisio, Inc.'s revenues earned during the year are as follows:

2013 Exempt Special Rate Regular Rate

Tuition - 14,505,846.30 - Total Fees 14,505,846.30 -

Direct Costs

Details of the Escuela De San Dionisio, Inc.'s direct cost earned during the year are as follows:

2013 Exempt Special Rate Regular Rate

Salaries and wages 5,663,767.38 Employees Benefits 1,721,308.26 SSS/HDMF/Philhealth 511,947.20 Escuela de San Dionisio Library and other materials 439,315.10 Power, light and water 2,588,502.89 Fellowship, Cultural and other Activities 1,075,681.51 Insurance 66,584.80 Rent 3,402,000.00 Repairs and maintenance 784,282.51 Professional fees 1,350,533.94 Depreciation and amortization 974,884.15 Miscellaneous direct expenses 83,881.00 18,662,688.74 -

Details of the Escuela De San Dionisio Inc.’s other income earned during the year are as follows:

2013 Exempt Special Rate Regular Rate

Miscellaneous fees 6,282,837.76 - Miscellaneous-Others 896,568.58 - Interest income from deposits 538,385.32 Sales from books, uniforms and supplies 510,852.82 - - 8,228,644.48 -

118 Itemized deductions

Details of the Escuela De San Dionisio Inc.’s itemized deductions incurred during the year are as follows:

2013 Exempt Special Rate Regular Rate Escuela de San Dionisio

General support services 726,552.00 - Trainings, seminars and conferences 261,777.76 - Supplies 37,565.60 - Communication 103,757.46 - Transportation and representation 74,342.57 - Taxes and licenses 156,114.23 - Medical and dental expense 8,457.52 - Periodicals, Magazines and Subscriptions 6,384.00 - EDSD Employees Retirement Fund Expense 357,922.11 Total - 1,732,873.25

119 SAN DIONISIO CREDIT COOPERATIVE HIGHLIGHTS OF OPERATION As of December 1- 31, 2013

December 31, 2013 December 31,2012 VARIANCE % A B A-B A. Share Capital 263.14 M 247.00 M 16.14 M 6.53% B. Savings Deposits 173.11 M 148.95 M 24.16 M 16.22% C. Time Deposit 459.61 M 341.02 M 118.59 M 34.78% Regular 227.63 M 205.72 M 21.91 M 10.65% Sinag 231.98 M 135.30 M 96.68 M 71.46% D. Total assets 1.02 B 870.72 M 156.90 M 18.02% E. Total Receivable 630.79 M 643.78 M (12.99) M -2.02% F. Membership: Regular member 16597 15899 698 4.39% Special depositor 8275 8135 140 1.72% Adult depositor 954 874 80 9.15% Associates 50 22 28 127.27% G. Portfolio At Risk 35.94% 23.81% 12.13% 50.94% H. Return on Assets ( ROA) 2.23% 3.39% -1.16% -34.22% * ( Inflation rate- NEDA 3.2% ) HIGHLIGHTS OF OPERATION For the periods ended, January 01 to December 31, 2013 and 2012 Highlights of Operation I. Total Revenue 94,888,554.60 102,819,383.06 (7,930,828.46) -7.71% J. Financing Cost 21,204,973.43 19,291,088.30 1,913,885.13 9.92% K. Administrative Cost: Employees 25,786,214.30 24,063,868.73 1,722,345.57 7.16% Officers 1,609,344.33 1,861,572.41 (252,228.08) -13.55% Members 7,100,966.14 7,164,504.20 (63,538.06) -0.89% Operation 27,119,620.68 20,891,272.58 6,228,348.10 29.81% L. Fin. & Administrative Cost 82,821,118.88 73,272,306.22 9,548,812.66 13.03% M. Net Surplus 12,067,435.72 29,547,076.84 (17,479,641.12) -59.16% Loans Granted: Actual: 476,602,288.91 596,201,033.45 (119,598,744.54) -20.06% Budget 850,000,000.00 810,000,000.00 40,000,000.00 4.94% Inc./(Dec.) (373,397,711.09) (213,798,966.55) (159,598,744.54) 74.65% N. Average monthly loans granted: Actual 39,716,857.41 49,683,419.45 (9,966,562.05) -20.06% Budget 70,833,333.33 67,500,000.00 3,333,333.33 4.94% Inc./(Dec.) (31,116,475.92) (17,816,580.55) (13,299,895.38) 74.65% O. Loan Collection: Regular/Appliance/Rice 484,369,664.94 575,994,345.46 (91,624,680.52) -15.91% Budget 444,756,840.48 568,847,955.60 (124,091,115.12) -21.81% Inc./(Dec.) (879,049.68) 7,146,389.86 (8,025,439.54) -112.30% P. Average monthly loan collection: Regular/Appliance/Rice 40,364,138.75 47,999,528.79 (7,635,390.04) -15.91% Budget 37,063,070.04 47,403,996.30 (10,340,926.26) -21.81% Inc./(Dec.) (73,254.14) 595,532.49 (668,786.63) -112.30% Q. Interest collected on loan Regular/Appliance/Rice 71,417,713.38 74,475,829.76 (3,058,116.38) -4.11% Budget 86,187,000.00 85,147,000.00 1,040,000.00 1.22% Inc/(Dec.) (17,556,590.28) (10,671,170.24) (6,885,420.04) 64.52%

Prepared by: Certified true and correct by:

120 ELENITA C. SANCHEZ CIELITO L. GARRIDO, MBA Accountant Chief Executive Officer STATISTICAL GROWTH TREND YEAR 1961-2013

Total Assets Total Assets (1961-2013) Total Receivable Total Receivables (1961-Dec. 2013) 1961 0 1961 0 1970 3.26 M 1970 0.71 M 1980 6.24 M 1980 4.96 M 1990 44.41 M 1990 35.71 M 2000 159.42 M 2000 116.19 M 2010 632.84 M 2010 404.14 M

2013 1.027 B 2013 630.97 M Statistical Growth Trend Amount (Php Billion) Amount (Php Million)

Savings Deposit Savings Deposit ( 1961-Dec. 2013) Time Deposit Time Deposit (1961-2013) 1961 0 1970 0.44 M 1980 1.6 M 1980 2.7 M 1990 2.2 M 1990 20.15 M 2000 15.68 M 2000 41.05 M 2010 237.05 M 2010 119.73 M 2013 459.61 M 2013 173.11 M Amount (Php Million) Amount (Php Million)

• Regular • Sinag

Share Capital Share Capital ( 1961-Dec. 2013) Loans Granted Loans Granted ( 1961-Dec. 2013) 1961 380 1961 0 1970 0.32 M 1970 1.01 M 1980 2.61 M 1980 3.75 M 1990 18.04 M 1990 30.04 M 2000 73.58 M 2000 108.38 M 2010 199.98 M 2010 446.84 M 2013 263.14 M 2013 476.69 M Amount (Php Million) Amount (Php Million)

Net Surplus Net Surplus ( 1961-Dec. 2013) 1961 0 1970 0.03 M 1980 0.25 M 1990 1.45 M 2000 3.51 M 2010 22.62 M 2013 12.26 M Amount (Php Million)

Total Membership (1961-2013)

Membership Adult Special Regular 1961 0 0 28 1970 0 494 1,639 1980 0 4,998 3,981 1990 468 6,886 6,639 2000 496 6,675 7,649 2010 844 7,868 13,174 2013 954 8,275 16,597

121 Ulat Tungkol sa mga Kasaping Namatay at Benepisyong Natanggap Para sa Labindalawang Buwan ng 2013 (Enero 1 - Disyembre 31, 2013)

Petsa ng Planong Natitirang Utang na Account No. Pangalan ng Kasapi Kamatayan Damayan sagot ng CLLP

1. 10-04680 FLORBALPINA I.DELA CRUZ 12/28/2012 NE - 2. 16-07945 ELESIA A. ABINA 01/03/2013 48,000.00 24,983.14 3. 22-10545 DOMINGO L. LA ROSA 01/05/2013 48,000.00 71,600.00 4. 29-15365 ROMEO E. ROSALES 01/07/2013 NE 121,411.87 5. 08-03946 CLARO M. CEPEDA JR. 01/07/2013 48,000.00 33,139.10 6. 30-15586 MYRBER R. GUTIERREZ 01/08/2013 48,000.00 7. 08-03707 ROMULO E. DE LEON 01/14/2013 NE 8. 03-01009 MILAGROS C. CATALAN 01/16/2013 48,000.00 - 9. 07-03217 LIBRADA M. SANTOS 01/20/2013 48,000.00 78,521.64 10. 43-22753 MARIA D. SALCEDO 01/26/2013 NE 6,984.71 11. 03-01120 ADELINA O. TARONGOY 01/29/2013 48,000.00 12. 16-07784 EFREN L. PALINES 02/01/2013 48,000.00 38,975.47 13. 11-05024 LUCIA V. MORA 02/02/2013 48,000.00 14. 03-01356 RUBEN C. LLAMAS 02/06/2013 48,000.00 15. 15-07433 ANTONIO R. CAPIRAL 02/12/2013 48,000.00 16. 19-09489 SONIA V. JARANILLA 02/13/2013 terminated 37,839.70 17. 26-12812 NESTOR R. MACARAEG 01/23/2011 NE Kasaping Namatay 18. 04-01718 WILFREDA M. TADEFA 02/22/2013 48,000.00 19. 13-06462 PACITA T. ATIBULA 02/23/2013 48,000.00 125,714.02 20. 25-12027 ZENAIDA D. BUAN 02/24/2013 48,000.00 35,264.38 21. 04-01804 ANTONIO D. SALVADOR 02/24/2013 48,000.00 8,750.06 22. 03-01028 LETICIA M. ZERDA 11/10/2011 48,000.00 23. 05-02282 FELICIANA T.SAN AGUSTIN 03/18/2013 48,000.00 24. 37-19525 MYRNA T. REYES 03/22/2013 48,000.00 9,822.97 25. 22-10745 VIRGILIO D. DELA CRUZ 03/22/2013 48,000.00 11,113.50 26. 03-01486 YOLANDA L CONCHE 03/23/2013 48,000.00 89,222.16 27. 01-00451 ANGELITA S. SANTOS 03/23/2013 48,000.00 28. 24-11504 EMILIO A. ROA 03/26/2013 48,000.00 29. 10-04755 CONRADO D. REYES 03/26/2013 48,000.00 30. 24-11761 TITO B. INSAURIGA 03/24/2013 48,000.00 21,106.29 31. 21-10271 RENATO P. NAPIZA 03/27/2013 48,000.00 19,791.65 32. 41-21966 AILEEN O. STA. ANA 03/27/2013 NE 2,100.00 33. 15-07326 ANTONIO L. DE JESUS 03/29/2013 48,000.00 88,599.88 34. 08-03589 MAURO B. BARCOMA 03/14/2013 48,000.00 35. 03-01080 ABELARDO P. CRUZ 04/10/2013 48,000.00 36. 07-03259 MA.BELLA D. ISIDRO 04/20/2013 unclaimed 37. 03-01344 FE C. ROMERO 04/20/2013 48,000.00 38. 17-08261 CONCORDIA V. AGARRO 04/20/2013 48,000.00 39. 03-01331 JOSE L. MIRANDA 04/23/2013 48,000.00 40. 03-01013 DOMINGA N. SANTIAGO 04/13/2013 48,000.00 41. 27-13269 EMMA U. MORENO 05/01/2013 48,000.00 100,000.00 42. 01-00197 ANSELMO S. GONZALES 05/04/2013 48,000.00 8,164.49 43. 37-19847 LORNA C. CACIO 05/06/2013 48,000.00 25,550.00 44. 07-03487 ARCADIO C. GONZALES 05/11/2013 48,000.00 45. 17-08191 BERNARDO P. SAN MIGUEL 05/13/2013 48,000.00 46. 13-06147 BENITA G. HERNANDEZ 05/09/2013 48,000.00 47. 27-13108 TRINIDAD A. ESPIRITU 04/30/2013 NE 48. 22-10656 JOSE FRED S. GULBIN 05/15/2013 48,000.00 21,050.00 49. 27-13062 RODOLFO A. DIMACALI 05/29/2013 48,000.00 18,612.03 50. 04-01575 AURORA A. HALILI 06/02/2013 48,000.00 51. 17-08249 CATALINO S. PARACALE 06/13/2013 48,000.00 46,172.31 52. 04-01969 ROLANDO A. VILLANUEVA 06/16/2013 48,000.00 53. 33-17811 EVELYN S. GLORIOSO 06/24/2013 48,000.00 4,997.70 54. 08-03575 MARIA DOLORES P. SAN MIGUEL 06/27/2013 terminated 7,619.29 55. 19-09126 PRIMITIVA M. FLORESCA 06/27/2013 48,000.00 69,025.00 56. 33-17776 CARLITO E. MANABAT 06/28/2013 NE 57. 04-01699 ANASTACIA A. FERRER 06/30/2013 48,000.00 15,290.36 58. 25-12220 AMALIA SA. RODRIGUEZ 06/27/2013 48,000.00 59. 16-07588 VIRGINIA A. ISON 07/05/2013 unclaimed 60. 25-12002 RODOLFO P. FERRARIS 07/22/2013 48,000.00 13,932.87 61. 02-00512 REYNALDO C. NERY 07/22/2013 48,000.00 92,037.22 62. 02-00995 ERNESTO A. VALDELLON 07/26/2013 48,000.00 122 63. 06-02732 VIOLETA C. CRUZ 08/02/2013 48,000.00 12,099.64 64. 24-11771 ALFREDO F. CATUNGAL 08/05/2013 48,000.00 65. 27-13457 REYNALDO D. RAMOS 08/11/2013 48,000.00 36,859.13 66. 40-21145 LUISITO L. PATINIO 08/09/2013 48,000.00 13,152.33 67. 06-02689 DIONISIO E. BANTA 08/21/2013 48,000.00 75,310.87 68. 28-14695 EVELYN A. CALO 08/18/2013 48,000.00 49,105.42 69. 28-14362 JUDY G.CALINISAN 08/22/2013 48,000.00 9,989.85 70. 25-12497 PRESCILA V. GUTIERREZ 08/17/2013 48,000.00 66,923.00 71. 02-00885 ERNESTO M. ANGELES 09/14/2013 48,000.00 72. 23-11471 JULIETA T. ROSETE 09/10/2013 48,000.00 73. 02-00832 FELISA S. AGUILAR 09/19/2013 48,000.00 80,166.53 74. 09-04310 RODOLFO D. BARBOSA 09/11/2013 48,000.00 20,294.81 75. 03-01451 NATALIA C. GEMOTO 09/11/2013 NE 76. 03-01008 CONRADO G. RODRIGUEZ 09/19/2013 48,000.00 77. 45-23804 ROMEO M. VILLAVIEJA 09/17/2013 NE 78. 19-09356 LUZVIMINDA S. MARIANO 10/01/2013 48,000.00 Kasaping Namatay 79. 16-07984 GREGORIO D. YGNACIO JR. 10/07/2013 48,000.00 145,828.77 80. 32-16817 SHAILENE S.SON 09/28/2013 NE 81. 01-00124 CORAZON S. BALMES 10/04/2013 48,000.00 82. 09-04468 BENEDICTA A. BUÑOL 10/05/2013 48,000.00 83. 08-03685 RODOLFO B. LOPEZ 10/06/2013 48,000.00 84. 31-16311 BERGITA R. SABAN 10/06/2013 48,000.00 85. 14-06792 CARSTRINSE V. HIDALGO 10/15/2013 48,000.00 92,884.05 86. 02-00644 AURORA S. CLEMENTE 10/16/2013 unclaimed 87. 03-01134 TERESITA D. SANTOS 10/18/2013 48,000.00 88. 41-21980 MARY ANN L. CAMPOSANO 10/19/2013 48,000.00 14,960.65 89. 03-01437 FLORENTINA P. VILLANUEVA 10/22/2013 48,000.00 90. 01-00305 ERLINDA B. DANDAN 10/17/2013 48,000.00 91. 04-01550 REBECCA A. PABILLO 10/21/2013 48,000.00 92. 34-18207 REYNALDO M. DIONISIO 10/27/2013 NE 93. 04-01517 LEONORA G. BAYHON 11/05/2013 48,000.00 94. 07-03495 LOURDES C. VALLEJO 11/04/2013 48,000.00 95. 44-23122 DIONISIO G. ANGELES 11/23/2013 NE 96. 33-17371 VICENTE V. BERNAL 10/21/2013 48,000.00 534,722.22 97. 08-03908 LETICIA S. LUNA 11/07/2013 48,000.00 98. 25-12304 ROSAURO R. SANTY 11/10/2013 48,000.00 53,499.81 99. 27-13802 SALOME C. HERNANDEZ 09/26/2013 NE 100. 27-13797 ANTONIO P. CLAVERIA 10/31/2013 unclaimed 101. 40-21045 ROSALIE R. JOSE 11/09/2013 NE 102. 40-21064 CHARO P. CUESTA 11/11/2013 48,000.00 22,992.65 103. 09-04437 GUALBERTO C. MACALINAO 11/17/2013 48,000.00 20,999.94 104. 15-07009 LEONARDO G. BUNDALIAN 11/22/2013 48,000.00 15,730.13 105. 31-16299 EDGARDO A. BORJA 11/30/2013 NE 1,924.99 106. 38-20206 ROSARIO B. ARQUERO 12/07/2013 NE 107. 42-22250 FRANCISCA E. MAGAY 11/28/2013 NE 108. 02-00507 TRINIDAD L. RAYMUNDO 11/08/2013 unclaimed TOTAL 3,984,000.00 2,514,836.60

* Note: 1. NE - Not Enrolled 2. Ang Coop Loan Protection Plan o CLPP ay panagot sa balanse ng utang ng kasaping namatay na hindi delingkwente sa kanilang pagbabayad. 3. Bilang ng mga kasaping naka enroll sa Bagong Planong Damayan: Plan 500 5409 Plan 5000 ( lifetime ) 2062 Kabuuan 7471

Prepared by: Certified true and correct by:

Elenita C. Sanchez Cielito L. Garrido, MBA Accountant Chief Exective Officer

123 Board of Directors SDCC Officers Garibaldi O. Leonardo, Ph.D. Elvira S. Dandan Marjorie P. Ablaza Maria Nelia Rafaela G. De Leon Chairperson Vice-Chairperson Director Director

Alma S. Ferreros Herminio C. Hernandez Felipe L. Perida, Jr. Engr. Raymond Joseph L. Salvador Director Director Director Director

Noel E. Sandil, MBM Nonila S. Santos Rosalina G. Sapungan Cielito L. Garrido, MBA Director Board Secretary Treasurer Chief Executive Officer / Ex-Officio Director 124 Audit Committee SDCC Officers

Jerrilynn L. Pilar, DPA Julieta F. Atienza Teresita S. Pascua Chairperson Vice-Chairperson Secretary

Election Committee

Virginia B. Santos Mary Jane D. Macapugas Josephine P. Sager Chairperson Secretary Member

Mediation and Conciliation Committee

Merla G. Calma Reynaldo H. Vizcarra Lorna S. Pinpin Chairperson Vice-Chairperson Secretary

Ethics Committee

125 Ma. Evelyn R. Garcia Regina T. Orcullo Romeo T. Tinasas Chairperson Vice-Chairperson Secretary Credit Committee

Josephine B. Balana Zenaida A. Alcantara, CPA Veronica T. Aberion Chairperson Vice-Chairperson Secretary

Pamunuan ng Kapulungan ng mga Pook-Tulungan Lider (PKPTL) SDCC Officers

Renato G. Dela Cruz Salvador V. Cuadrato Rebecca A. Juaneza Chairperson Vice-Chairperson Secretary

William J. Chua Clarita R. Quiogue Treasurer Auditor

126 Mercedita A. Muni Nenita L. Damian Educ. & Information Officer Sgt. At Arms Education and Training Committee SDCC Officers

Normandy G. Jose Ofeliza V. Martinez Belen C. Santos Chairperson Member Member

Evangeline A. Golen Atilano G. Adlawan, Jr. Member Member

Advisory Council

Dr. Arsenio G. Santiago Damaso L. Cruz, Jr. Asuncion L. Pascual Antonio S. Lansangan Efrain E. Abracia, Ph.D. Honorary Chairperson Chairperson Vice-Chairperson Secretary Member

Andres G. Buenaventura Enrico S.B. Capistrano Angelita P. Gabriel Gregorio D. Ygnacio, Jr. Ismael M. Allanigue Member Member Member Member Ex-OfficioMember (Deceased Oct. 7, 2013) 127 BOARD OF DIRECTORS PAMUNUAN NG KAPULUNGAN NG MGA POOK-TULUNGAN LIDER (PKPTL) Garibaldi O. Leonardo, Ph.D. Chairperson Renato G. Dela Cruz Chairperson Elvira S. Dandan Vice-Chairperson Salvador V. Cuadrato Vice-Chairperson Marjorie P. Ablaza Director Rebecca A. Juaneza Secretary Maria Nelia Rafaela G. De Leon Director William J. Chua Treasurer Alma S. Ferreros Director Clarita R. Quiogue Auditor Herminio C. Hernandez Director Mercedita A. Muni Education & Information Officer Felipe L. Perida, Jr. Director Nenita L. Damian Sgt. At Arms Engr. Raymond Joseph L. Salvador Director Chairperson Garibaldi O. Leonardo, Ph.D. Ex-Officio Member Noel E. Sandil, MBM Director Cielito L. Garrido, MBA Ex-Officio Member / CEO Nonila S. Santos Board Secretary Noli S. Salvador Technical Staff Rosalina G. Sapungan Treasurer Elena E. Ferrer Recording Secretary Cielito L. Garrido, MBA Chief Executive Officer & Ex-Officio Director EDUCATION AND TRAINING COMMITTEE (EDCOM) AUDIT COMMITTEE Normandy G. Jose Chairperson Jerrilynn L. Pilar, DPA Chairperson Atilano C. Adlawan, Jr. Member Julieta F. Atienza Vice-Chairperson Evangeline A. Golen Member Teresita S. Pascua Secretary Belen C. Santos Member Ma. Nanette D. Bernardo Technical Staff Ofeliza V. Martinez Member Ma. Princess Daynolo Recording Secretary Dir. Elvira S. Dandan Shepherd Director CREDIT COMMITTEE Dir. Noel E. Sandil, MBM Shepherd Director Chairperson Garibaldi O. Leonardo, Ph.D. Ex-Officio Member Josephine B. Balana Chairperson Cielito L. Garrido, MBA Ex-Officio Member / CEO Zenaida A. Alcantara, CPA Vice-Chairperson Julieta F. Atienza Audit Committee Representative (Regular) Veronica T. Aberion Secretary Teresita S. Pascua Audit Committee Representative (Alternate) Marites M. Sanchez Technical Staff ELECTION COMMITTEE Maricel M. Rañola Recording Secretary Virginia B. Santos Chairperson Mary Jane D. Macapugas Secretary Co-ED/Speakers’ Bureau Josephine P. Sager Member Evelyn R. Luching Chairperson Joanna I. Esperanza Technical Staff Carmelita C. Sabino Vice-Chairperson Nonila S. Santos Secretary MEDIATION AND CONCILIATION COMMITTEE Constitutional Bodies (2013-2014) Alex B. Guiwan Member Merla G. Calma Chairperson Remedios Matias Member Reynaldo H. Vizcarra Vice-Chairperson Laura D. Notarte Member Lorna S. Pinpin Secretary Teresita D. Tiglao Member Felipe L. Perida, Jr. Shepherd Director Dir. Elvira S. Dandan Shepherd Director Chairperson Garibaldi O. Leonardo, Ph.D. Ex-Officio Member Dir. Marjorie P. Ablaza Shepherd Director Cielito L. Garrido, MBA Ex-Officio Member / CEO Cielito L. Garrido, MBA Ex-Officio Member/CEO Julieta F. Atienza Audit Committee Representative (Regular) Teresita S. Pascua Audit Committee Representative Jerrilynn L. Pilar, DPA Audit Committee Representative (Alternate) Marites M. Sanchez Technical Staff Arabella T. Alcazar Recording Secretary Maricel M. Rañola Recording Secretary ETHICS COMMITTEE ADVISORY COUNCIL Ma. Evelyn R. Garcia Chairperson Dr. Arsenio G. Santiago Honorary Chairperson Regina T. Orcullo Vice-Chairperson Damaso L. Cruz, Jr. Chairperson Romeo T. Tinasas Secretary Asuncion L. Pascual Vice-Chairperson Dir. Maria Nelia Rafaela G. De Leon Shepherd Director Antonio S. Lansangan Secretary Dir. Felipe L. Perida, Jr. Shepherd Director Efrain E. Abracia, Ph.D. Member Teresita S. Pascua Audit Committee Representative (Regular) Andres G. Buenaventura Member Julieta F. Atienza Audit Committee Representative (Alternate) Enrico S.B. Capistrano Member Arabella T. Alcazar Recording Secretary Angelita P. Gabriel Member Gregorio D. Ygnacio, Jr. (+) Member STEERING COMMITTEE Ismael M. Allanigue Ex-Officio Member Garibaldi O. Leonardo, Ph.D. Chairperson Chairperson Garibaldi O. Leonardo, Ph.D. Ex-Officio Member Elvira S. Dandan Member Cielito L. Garrido, MBA Ex-Officio Member / CEO Maria Nelia Rafaela G. De Leon Member Teresita S. Pascua Audit Committee Representative (Regular) Herminio C. Hernandez Member Jerrilynn L. Pilar, DPA Audit Committee Representative (Alternate) Engr. Raymond Joseph L. Salvador Member Marites M. Sanchez Technical Staff 128 Cielito L. Garrido, MBA Secretary Maricel M. Rañola Recording Secretary Esmeralda D. Cortezo Recording Secretary RISK MANAGEMENT COMMITTEE CONSTRUCTION COMMITTEE Glenn C. Cruz Chairperson Arch. Alfredo S. San Miguel Chairperson Josephine Maria S. Gutierrez Vice-Chairperson Engr. Alfredo S. Bugayong Member Perlisa M. Abiog Secretary Gregorio D. Ygnacio, Jr. (+) Member Rosalina G. Sapungan Member Dir. Raymond Joseph L. Salvador Shepherd Director Cielito L. Garrido, MBA Member/CEO Teresita S. Pascua Audit Committee Representative (Regular) Dionisio L. Sope Member Julieta F. Atienza Audit Committee Representative (Alternate) Chairperson Garibaldi O. Leonardo, Ph.D. Shepherd Director Dir. Maria Nelia Rafaela G. De Leon Shepherd Director AMENDMENTS COMMITTEE

Jerrilynn L. Pilar, DPA Audit Committee Representative (Regular) Garibaldi O. Leonardo, Ph.D. Chairperson Non-Constitutional Bodies (2013-2014) Teresita S. Pascua Audit Committee Representative (Alternate) Damaso L. Cruz, Jr. Vice-Chairperson Maricris D. Bautista Technical Staff Marjorie P. Ablaza Member Vivian D. Alcantara Technical Staff Elvira S. Dandan Member Esmeralda D. Cortezo Recording Secretary Alma S. Ferreros Member COMMITTEE ON BUSINESS DEVELOPMENT Herminio C. Hernandez Member Enrico S.B. Capistrano Member & SOCIAL SERVICES (CBDSS) Renato G. Dela Cruz Member Apolonio M. Mendoza, Jr. Chairperson Atty. Melanie Q. Guevarra Adviser/Legal Counsel Marilou C. Ferrer Co-Chairperson Cielito L. Garrido, MBA Chief Executive Officer & Ex-Officio Member Arleen R. Zuluaga Co-Chairperson Noli S. Salvador Technical Staff Fernando S. Cortez Member EDSD BOARD OF DIRECTORS (2013-2014) Nenita I. Jose Member Evelyn A. Mabag Member Carmelita C. Sabino Chairperson Dir. Marjorie P. Ablaza Director Shepherd Perseverando L. Cruz Vice-Chairperson Dir. Felipe L. Perida, Jr. Director Shepherd Evelyn R. Luching President/CEO Chairperson Garibaldi O. Leonardo, Ph.D Ex-Officio Member Herminio C. Hernandez Director Cielito L. Garrido, MBA Chief Executive Officer & Ex-Officio Member Helen M. Jayalin Director Julieta F. Atienza Audit Committee Representative (Regular) Asuncion L. Pascual Director Jerrilynn L. Pilar, DPA Audit Committee Representative (Alternate) Josephine P. Sager Director Noli S. Salvador Technical Staff Zenaida A. Alcantara, CPA Treasurer Joanna I. Esperanza Technical Staff Lina H. Perez Corporate Secretary Arabella T. Alcazar Recording Secretary Alicia L. De Leon Principal Evelyn A. Trinidad Comptroller COMMITTEE ON ORGANIZATIONAL STRENGTH (COS) SEARCH AND SELECTION COMMITTEE FOR EDSD Marilyn J. Estrella Chairperson Margarita Cerrada Co-Chairperson Virginia B. Santos Chairperson Lucila A. Cruz Co-Chairperson Mary Jane D. Macapugas Secretary Dir. Alma S. Ferreros Director Shepherd Josephine P. Sager Member Dir. Herminio C. Hernandez Director Shepherd Evangeline G. Magdaraog Technical Staff Chairperson Garibaldi O. Leonardo, Ph.D Ex-Officio Member Jerrylyn R. Manalo Recording Secretary Cielito L. Garrido, MBA Chief Executive Officer & Ex-Officio Member Jerrilynn L. Pilar, DPA Audit Committee Representative (Regular) Teresita S. Pascua Audit Committee Representative (Regular) Julieta F. Atienza Audit Committee Representative (Alternate) Julieta F. Atienza Audit Committee Representative (Alternate) Noli S. Salvador Technical Staff Elena E. Ferrer Recording Secretary COMMITTEE ON MANAGEMENT INFORMATION SYSTEM (MIS)

Orico S. Macatangay Chairperson Alex B. Guiwan Vice-Chairperson Nathaniel D. Manlangit Secretary Dir. Noel E. Sandil, MBM Shepherd Director Dir. Raymond Joseph L. Salvador Shepherd Director Chairperson Garibaldi O. Leonardo, Ph.D Ex-Officio Member Cielito L. Garrido, MBA Chief Executive Officer & Ex-Officio Member Jerrilynn L. Pilar, DPA Audit Committee Representative (Regular) Teresita S. Pascua Audit Committee Representative (Alternate) Emmy R. Salvador Technical Staff Arabella T. Alcazar Recording Secretary 129 Executive Office

Cielito L. Garrido, MBA Esmeralda D. Cortezo Arabella T. Alcazar Chief Executive Officer Executive Assistant Secretary to the C.E.O.

Kawani (Contractual)

Satellite Operations

Maricris D. Bautista Evangeline B. Suyat Satellite Operations Manager Satellite Operations Asst. (Contractual)

Audit Department

Ma. Nanette D. Bernardo Ma. Francisca C. Daynalo Ulysis L. Hernandez Acting Audit Dep’t Manager Financial Auditor Social/Performance Auditor

Accounting Department

Elenita C. Sanchez Magnolia G. Calma Marinel S. Espiritu Accountant Bookkeeper/Accounting Clerk Bookkeeper/Accounting Clerk 130 (Contractual) Finance Department Kawani

Vivian D. Alcantara Cynthia M. Yeban Mary Ann M. Nuñez Elvira J. Villacorte Finance Department Manager Acting Fund Mgt. Coordinator Acting Cash Custodian (Satellite Office) Acting Cash Custodian

Minerva G. Guiwan Marilyn M. Mendoza Jan Michael C. Cundangan Ferdinand Q. Rabotaso Teller (Satellite Office) Teller (Satellite Office) Teller (Satellite Office) Teller

Michael P. Llmas Annaliza N. Rebustes Pamela Amor M. Caoili Teller Acting Teller Acting Teller (Contractual)

Noriza O. Legaspi Rowena Y. Meude Acting Teller Cash Clerk (Satellite Office) Contractual Contractual

131 Training and Development Department

Marites M. Sanchez Maricel M. Rañola Cirilo O. Fernandez, Jr. Training & Development Dept. Manager Training Assistant Acting Information Material Kawani Development Coordinator

Program Development & Member Support Services Department

Noli S. Salvador Elena E. Ferrer Joanna I. Esperanza PD & MSS Department Manager Member Support Services Officer Comm. Program & Services Officer 1

Imelda D. Manlangit Catherine P. Lopez IA B. Dofitas MSS Coordinator Coop Assurance Coordinator Program Development Coordinator

Jeanette U. Gamboa Susan N. Jose Kimberly D. Dela Justa MSS Assistant PDMSS/TDD Clerk Comelec Clerk (Contractual)

132 Account Management & Member Relations Department Kawani

Nelson D. Yeban, Jr. Evangeline G. Magdaraog Ferlinda M. Santiago Ma. Cecilia D. Dela Peña AMMR Department Manager Account Management Officer Loan Product Officer Deposit Product Officer

Elizabeth M. Alberto Roberto E. Garcia Roque T. Cortezo Joselito M. Lopez Member Record Services Coordinator Account Officer Account Officer Account Officer

Jason M. Vasquez James Abraham B. Naoe Jesus A. Abocado Julius Bien S. Austria C & B Investigator Acting CI/BI Associate Account Officer Associate Account Officer

Cherrlyn C. Candilaria Ryan A. Casipit Jobell M. Caugma Armando R. Cruz, Jr. Associate Account Officer Satellite Office Associate Account Officer Associate Account Officer Associate Account Officer

Joana D. Cuadrato Imar J. De Real Jess Dominicus J. Garcia John Warrie S. Grageda Associate Account Officer Associate Account Officer Associate Account Officer Associate Account Officer 133 Account Management & Member Relations Department

Ronaldo C. Maghirang Jojo S. Rodriguez Richard A. Ruiz Fernando P. Guillermo, Jr. Associate Account Officer Associate Account Officer Associate Account Officer Associate Account Officer (Contractual) Kawani

Terry Ann Q. Ocampo Rial S. Apostol Jannette D. Gonzales John Michael L. Bensan Associate Account Officer Acting Acct. Mgt. Doc. Assistant MRS Clerk Acct. Mgt. Clerk Satellite Office (Contractual)

Anthony A. Sioson Arlene R. Guzman Jennifer H. Labor Marjerie G. Bordaje Account Management Clerk Account Management Clerk Account Mgt. Clerk Satellite Office Account Management Clerk (Contractual) (Contractual) (Contractual)

Galicano M. Espiritu III Justinio C. Landicho Roy D. Martin Pernie T. Comanda Field Collector Field Collector Field Collector Acting Field Collector Management Information System (MIS) Department

134 Emmy R. Salvador Jason G. Alogon Francis Anthony F. Borromeo Everlyn C. Manook MIS Department Manager ICT Infrastructure Administrator Programmer Database Administrator HR/OD & Admin Department Kawani

Gemma C. San Miguel Nelson V. Union Ronaldo P. Bautista Jose Noel L. Cruz HR/OD Program Coordinator Property Admin Coordinator Admin Services Coordinator HR/OD and Admin Clerk

Ronald C. Cura Ricky M. Orioque Bernard F. Estantilla Ronaldo M. Alcantara OD/Admin Clerk Maintenance Clerk Admin Clerk/Driver Admin Clerk/Driver (Contractual)

Jose Marlon M. Abella Sonny P. Garcia Junior Teddy G. Bajar Jeric G. Mabbun Utility Aide Utility Aide Utility Aide Utility Aide (Satellite Office) (Contractual) (Contractual) Contractual Consultants

Roland T. Abiog Engr. Alfredo Bugayong Lea R. Gomez Atty. Allan B. Cos MIS Consultant Project Management HR/OD Consultant Legal Counsel

135 Atty. Melanie O. Guevarra Mila P. Mendoza, Ph.D. Arch. Alfredo S. San Miguel Legal Counsel Organization Dev’t (O.D.) Consultant Designer Botika de San Dionisio

Elizabeth D. Dela Cruz Imelda M. Duyaguit Reynaldo P. Gonzales, Jr. Rafael P. Sison John Egbert D. Nery Pharmacist Pharmacy Assistant Pharmacy Assistant Pharmacy Assistant Store Clerk/Bagger (Contractual)

Kawani Part time Employees

Catrina H. Alcantara Lito J. Lescano Miriam R. Llmas Christine Ann P. Riano Angelica A. Cruz Accounting Clerk Accounting Clerk Accounting Clerk Accounting Clerk HR Clerk

Anastacio D. Flores III Mikee Jayzel D. Guerrero Victor M. Basco Mike A. Monteclaro Mark Christopher P. Villanueva AMMR Clerk Cash Clerk Store Clerk/Bagger Store Clerk/Bagger Utility Aide Security Guards Resigned Employees

Diana Rose M. Santos Jo-Anne P. Tirona Jomar H. Ignacio Associate Account Officer MRS Assistant C & D Investigator Mar. 13, 2013 Aug. 01, 2013 Aug. 01, 2013

Joemar T. Imbon Victorio E. Ramos, Jr.

Donna Mae C. Carpio Orlando F. Fabian, Jr. Noel S. Toledo Account Management Clerk Info. Material Devt. Coordinator Associate Account Officer Oct. 09, 2013 Oct. 12, 2013 Dec. 10, 2013 End of Contract

136 Yolando R. Soringa Eduardo B. Togle, Jr. Mark Arthur D. Montes Ranvic D. Tolentino Liezel S. Baluyot Account Management Clerk Utility Aide Secretary to the CEO May 15, 2013 July 15, 2013 Sept. 18, 2013 EDSD BOARD OF DIRECTORS 2013-2014

Carmelita C. Sabino Herminio C. Hernandez Evelyn R. Luching Perseverando L. Cruz Asuncion L. Pascual Lina H. Perez Chairperson Vice-Chairperson Director/President/CEO Director Director Director EDSD Officers / EDSD List of Teaching & Non-Teaching Staff

Josephine P. Sager Zenaida A. Alcantara, CPA Helen M. Jayalin Alicia L. De Leon Evelyn A. Trinidad Director Director/Treasurer Director/Corporate Secretary Principal Comptroller

1st row (left to right) 3rd row (left to right) Arnelica A. San Jose Grade School Teacher Felipe Q. Rabotaso, Jr. Utility Aide Arianne Mai B. Paulino Grade School Teacher Michelle T. Samporna Grade School Teacher Emma E. Peralta Utility Aide Tiffany Daryl E. Hugo Grade School Teacher Ma. Hazel G. Nequinto Grade School Teacher Jessica J. Narciso Utility Aide Mary Ann F. Ferreras Grade School Teacher Jerrylyn R. Manalo High School Teacher Chona S. Araña Utility Aide Glovina R. Castro Grade School Teacher Leslie J. Estallo High School Teacher Ma. Lourdes G. Romualdo Nurse Lymarni N. Maramba Pre School Teacher Jessica M. Ugali High School Teacher Ranila A. Pascual Bookkepper/Personnel Asst. Christina S. Digo Grade School Teacher Adeline L. Allanigue Grade School Teacher Riza F. Lagman Bookkepper/Personnel Asst. Jennifer A. Garcia Grade School Teacher Marcelino Vasay Security Guard Myra Fe A. Cabanban Logistic Staff Charisse F. Guerra Pre School Teacher Ramon M. De Paz Utility Aide Mechiel A. Aserado Pre School Teacher 5th row (left to right) Ma. Meldly E. Commendador Teacher Aide Jose Edelito S. Paez High School Teacher 2nd row (left to right) Estelita S. Reyes Pre School Teacher Jennilyn N. Tolentino Grade School Teacher Irine P. Dela Cruz Registrar Rosemarie T. Fernandez Pre School Teacher Kristine Claudette D. Ferrer High School Teacher Teresita E. Gutierrez Librarian Celia G. Valeriano Grade School Teacher Alicia L. De Leon Principal 4th row (left to right) Marissa J. Lusuegro High School Teacher Evelyn R. Luching President/CEO Robin Mamburan Security Guard Judea Mae V. Española High School Teacher Evelyn A. Trinidad Comptroller Gigi Lyn V. Aticaldo High School Teacher Arianne Joy M. Mallari High School Teacher 137 Richelle F. Francisco High School Guidance Counselor Mariane P. Santos Grade School Teacher Iresa A. Longakit Grade School Teacher Maria Agnes D. Salvador Grade School Guidance Counselor Venus B. Bersales High School Teacher Mae Flor M. Salazar High School Teacher Crisval V. Lopez High School Teacher Balik Tanaw

138 Balik Tanaw

139 Balik Tanaw

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