N-2 182 T. Samson Avenue, Caloocan City, Philippines Telefax No. (02) 935-9759 Email:  Rebecca "Pinky" Bartolome

For faster processing of email inquiries, please indicate your name, home address, company name, age, length of service, telephone no (home & office)   Loan proceeds are taken directly from the bank by the loan applicant.

Make your loans disappear!  Avail of a PS Bank Flexiloan from September 2, 2002 to November 29, 2002 and get a chance to win in our PS Bank Flexiloan Wipe-Out raffle.

Maximum of Php 250,000 at a fixed low rate of 1.5% per month with your choice of 12, 18, 24 or 36 monthly payment terms. NO COLLATERAL REQUIRED! Check out the monthly payment chart.   APPLICATION REQUIREMENTS At least 25 years  years old but not more than 55 years old upon loan application maturity Must be a Filipino and a resident of Metro Manila or Calabarzon Must have a residential telephone. Information on Cellphone numbers and/or pagers,  if any must also be provided but are not acceptable as replacements of the telephone landline With a minimum monthly income of Php 15,000 Must have a permanent employment status and work tenure of at least one (1) year   DOCUMENT REQUIREMENTS Completely filled-out application form Photocopy of latest ITR and W2 Photocopy of valid ID (Driver`s license, passport, company ID, TIN) Original copy of latest billing statement under borrower`s name   (utilities  / credit card / bank account / insurance premium) indicating home address One (1) month payslip (original)   Handling Fee:  Php 1,500 (Automatically deducted from loan proceeds) Form of Payment:  Post-dated checks for the whole term of the loan

Loanable amount from Php 15,000 to Php 250,000.  Interest rate of 1.5% per month. Coverage area is CALABARZON (Cavite, Laguna, Batangas, Rizal, Quezon). Payment is by post-dated cheque.   APPLICATION / DOCUMENT REQUIREMENTS At least one (1) year employed with the company or if own clinic      (see Business Loans Requirements) 6 months bank statement PRC ID (Professional Regulatory Commission ID) ITR (Income Tax Return) Financial Statement

Initial Maximum Loan Amount is Php 100,000.00   Check out our low interest rates !!! Filled-up Application Form Mayor's Permit SEC or DTI Registration Income Tax Return (3 years) Audited Financial Statement (3 Years) Bank Statement (6 months) Photocopy of Valid ID (Postal ID, SSS, TIN, Driver's license)

APPLICATION REQUIREMENTS Home Loan Application Kit Credit Information Authority Completely filled-out application form Photocopy of bank statements for the past 6 months Proof of other non-salary income such as certificates of deposits; Stock/Bond certificates; lease contracts showing terms and monthly Payments and documents evidencing pensions/allotments Marriage Contract (if applicable) Photocopy of contract to Sell or Option to Buy (optional) Payment of appraisal fees   IF EMPLOYED Latest ITR with W-2 and; Certificate of employment and compensation   IF ENGAGED IN BUSINESS Business certificate and last two years financial statements with ITR DTI/SEC Registration Articles of Incorporation and By Laws In-house financial statements when available   IF LOAN IS FOR REFINANCING Latest stateeement of account from mortgagor/creditor   FOR APPRAISAL PURPOSES Owner`s Copy - Transfer Certificate of Title (TCT) Vicinity/Location Map & Lot Plan signed by Geodetic Engineer Tax Declaration, latest Real Estate Tax Receipt and Tax Clearance As built or floor plan (if applicable)   ADDITIONAL: For Construction loan Building Plans, Building Specifications, Bill of Materials and   Labor Cost  For Condominium Units Condominium Certificate of Title (CCT) Photocopy of Mother TCT (best efforts) Master Deed and Deed of Restrictions Master Insurance Policy (if applicable)   POST APPROVAL REQUIREMENTS Photocopy of valid Ids of Borrowers Photocopy of reseidence certificate of borrowers Original Owner`s copy of TCT Original Tax Declaration on Land & Improvements Original Tax Receipts on Land & Improvement for the current year Original Tax Clearance on Land & Improvement for the current year Loan documents (eg. Promissory Note, Automatic Debit Agreement, Borrower`s Authority to release Proceeds, Disclosure Statement) Real Estate Mortgage contract and other documents as required by the bank Payment of Real Estate Mortgage Registration Fees, MRI Premium, Fire Insurance premium when Applicable, Processing Fees, Documentary Stamps on Promissory Notes & other fees deemed applicable Other documents required as per Letter of Advice

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