Reorientation on the Preparation of Appointment Papers, etc.

JulienneMhaeReyes 43 views 178 slides Jun 17, 2024
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About This Presentation

DepEDhrseminar.pptx


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May 5-6, 2022 Klir Waterpark, Guiguinto , Bulacan REORIENTATION ON THE PREPARATION OF APPOINTMENT PAPERS, UPDATING OF WEB-BASED PERSONNEL SERVICES ITEMIZATION AND PLANTILLA OF PERSONNEL (PSIPOP) AND OTHER HR FUNCTIONS

YOUR EXPECTATIONS ON THIS SEMINAR METACARDS HR/PAYROLL UNIT’S CONTRIBUTION TO YOUR LEARNINGS

ERF AND RECLASSIFICATION Melissa Rodriguez Administrative Assistant III

ERF – stands for E quivalent R ecord F orm also known as Upgrading of Position – It is a permanent record of teacher’s education preparation, teaching experience and professional activities.   LEGAL BASIS : MECS Order No. 33 s. 1984 – ERF is governed by the principle “Equal Pay for Equal Trainings and Experience” EQUIVALENT RECORD FORM

Teachers Head Teachers Department Heads (Secondary) Guidance Counselor Special Education Teachers School Librarian Positions that require ERF

Master of Arts in Agricultural Education Master of Arts in Business Education Master of Science in Chemistry Education Master of Arts in Education Master of Science in Educational Management Master of Arts in Elementary Education Master of Arts in Secondary Education Master of Arts in Industrial Education Master of Science in Physical Education Master of Arts in Economics Education Master of Economics Education Master of Arts in Religious Education Master of Arts in Teaching Masteral Program Related to Teacher Training and Educational Science that can be used for the ERF: 14. Master of Science in Secondary School Teaching 15. Master of Arts in Special Education 16. Master of Science in Math Education 17. Master of Arts in Science Education 18. Master of Arts in College Teaching 19. Master of Arts in Music Education 20. Master’s Degree in Technician Education 21. Master of Science in Teaching Agriculture 22. Master of Arts in Teaching Elementary 23. Master in Education (Human Resource Studies)

TEACHER I to TEACHER II   BSE + 20 = BSEE/BSE or Bachelors Degree with 18 Professional Education Units plus 20 MA Units   TEACHER I to TEACHER III or TEACHER II to TEACHER III   MA DEGREE = BSEE/BSE or Bachelors Degree with 18 Professional Education Units with a MA DEGREE MA EQUIVALENT = BSEE/BSE or Bachelors Degree with 18 Professional Education Units plus TOTAL UNITS OF THE MA CURRICULUM       Guidelines/Qualifications:  

ERF/UPGRADING CHECKLIST Requirements:

RECLASSIFICATION is a form of staffing modification and/or position classification action which may be applied only when there has been a substantial change in the regular duties and responsibilities of the incumbent of the position and which may result in a change in any or all of the position attributes: position title, level and salary grade. RECLASSIFICATION

  WHO MAY APPLY FOR RECLASSIFICATION

Remember, in RECLASSIFICATION: RANKLIST is a requirement. QUALIFICATIONS AND REQUIREMENTS:

Example: District Data Bulletin of Marilao North Number of T-I = 317 T-II = 43 T-III = 59 TOTAL TEACHERS I-III = 419 Existing Master Teacher I = 26 Existing Master Teacher II= 14 Illustration of Computation of Available Slots for Master Teacher

  Available Slot for MT-I T1-T3 419 Multiplied by 6.6% Authorized MT-I 27.654 Less: Existing MT-I 26 Available Slot for MT-I 1.654 = 1

Available Slot for MT-II T1-T3 419 Multiplied by 3.4% Authorized MT-I 14.246 Less: Existing MT-I 14 Available Slot for MT-I 0  

THANK YOU

RETIREMENT, TRAVEL ABROAD AND MONETIZATION Sixta Bernal Administrative Aide II

Duly accomplished Application form for Retirement (GSIS) RA 8291 (All form must be original copy (3) pcs 2x2 identical pictures with complete printed name and signature. Duly accomplished employee exit interview Duly accomplished clearance form Latest payslip (xerox copies must be certified true copy from the original) by the Principal/ PSDS Latest appointment (xerox copies must be certified true copy from the original) by the Principal/ PSDS Latest sworn and statement of assets and liabilities (SALN) by the Principal/ PSDS APPLICATION FOR RETIREMENT

Original copy of Prosecutors clearance Original copy of Ombudsman Clearance Declaration of pendency/non pendency case, Secure closure of payroll account from Land Bank then Xerox copy of Savings Account *** Submit all documents in FIVE (5) copies each APPLICATION FOR RETIREMENT

Duly accomplished Application for Leave Form 6 Letter request of party concerned Clearance Form Certification of Dispensed Letter signed by the Principal/PSDS Latest Payslip Co-maker letter if there is Provident Fund Loan Acceptance/ Conforme of the Designated OIC, duly noted by the Principal/ District Supervisor ***IT SHOULD BE SUBMITTED TWO MONTHS BEFORE THE DEPARTURE DATE TRAVEL ABROAD

Duly accomplished Application for Leave Form 6 Letter request for party concerned Payslip (latest) Notice of Salary Adjustment (NOSA) Medical certificate/medical abstract and certificate of registration/enrolment (COR) Computation for autonomous high school MONETIZATION

Application for Survivorship (4) Application for Life claim form (4) Affidavit in support of Death Claim (4) Affidavit of Surviving Spouse (4) Proofs of Surviving Spouse (4) Policy Contract (2) NSO/PSA copy of Death Certificate w/ receipt (4) NSO/PSA copy of Marriage Contract w/ receipt (4) NSO/PSA copy of Birth Certificate of Surviving Spouse w/receipt (4) NSO/PSA copy of Birth Certificate of all Children w/receipt (4) 2 valid IDS of Surviving Spouse (Xerox back to back, 3 copies) 2 valid IDS of all Children (Xerox back to back, 2 copies) REQUIREMENTS FOR DIED IN THE SERVICE

FOR FEMALE CHILD (if married plus PSA Certified copy of Marriage Contract w/ receipt FOR MINOR CHILDREN affidavit of minor children together with Barangay Certificate where the child lives/custody and DSWD certification re: custody of minor ***PLEASE SUBMIT THE ORIGINAL AND PROVIDE XEROX COPIES INDICATED BY THE NUMBER STATED AT THE END OF EACH REQUIRED DOCUMENT Additional Requirements Clearance Form Appointment (latest) Payslip (latest) SALN

FORM 6, FORM 7, DRAFT PAYROLL, SERVICE CREDIT AND DTR Pauline H. Calayag Administrative Assistant II

ELEMENTARY Eddis 1 & 2 – Wella Patricia Fernando Eddis 3 & 4 – Pauline Hilario Calayag SECONDARY JHS & SHS – April Roldan PERSON IN CHARGE

SICK LEAVE Form6 Medical Certificate (5days and above) CSC FORM7 Clearance (30days and above)(original) Form6 (Application for leave of absences) PERSONAL/VACATION LEAVE Form6 Personal Letter (5days and above) CSC FORM7 Clearance (30days and above) (original)   * 2 copies each  

Form6 Medical Certificate CSC FORM7 Clearance (30days and above)(original) Ultrasound (if miscarriage) MATERNITY LEAVE

Form6 Marriage Certificate Birth Certificate of Child PATERNITY LEAVE Form6 Letter (address to SDS) CSC FORM7 Clearance (original) EXHAUSTION OF LEAVE CREDITS

- Employees who have undergone surgery caused by gynecological disorders. -14days with pay for minor operation. -60days with pay for major operation. SPL (Special Privilege Leave for Women RA 9710) REQUIREMENTS: FORM 6, MEDICAL CERTIFICATE, ULTRASOUND, CLINICAL ABSTRACT, OPERATION REPORT, HOSPITAL BILL AND CSC FORM NO 7 (30 DAYS AND ABOVE) (original)

­­ Contains report of absences with and without pay, resigned, retired, transferred to other division, and deceased. FORM 7 ­ Contains report of resigned, retired, transferred to other division, and deceased.   DRAFT PAYROLL

­­ ELECTION SERVICE CREDITS SERVICE CREDITS 1. Letter request – (Addressed to the SDS) duly signed by the School Head. 2. List of Teachers/Claimants 3. Form 48 per Teacher 4. BEI Appointment or COMELEC Certification per Teacher (Original Copy)  

BRIGADA ESKWELA 1 . Letter request (addressed to the SDS) duly signed by the School Head. 2.List of Teachers/Claimants 3. DepEd Memorandum 4. Form 48 per Teacher 5. Pictorials 6. Accomplishment Report per Teacher (Must be the actual service rendered by the teacher/claimant)

1. Designation and School Property Custodian. 2. School/District Memo on the Schedule of Inventory per S.Y 3. To be endorsed by the principal to PSDS then to DO requesting for service credits. PROPERTY CUSTODIAN 1. Memo 2. DTR 3. List of participants 4. Certificate of Appearance LIS

Cut off every 16-31 of the last month and 1-15 of the current month. Deadline every 20 th of the month Submission by District Arrange by employee no. DTR

STEP INCREMENT AND LOYALTY GELENE ANNE SANTOS Administrative Staff

STEP INCREMENT Requirements (4 copies each):   _______1. Summary List _______2. NOSI (Notice of Step Increment) Form _______3. Attested Appointment (if continuous from provisional to permanent, attach both) _______4. Updated Service Record _______5. Latest Payslip  

SUMMARY LIST

NOSI FORM

ATTESTED APPOINTMENT Continuous service PROVISIONAL to PERMANENT PROVI APPT & PERM APPT Promoted/reclass w/ SAME SALARY GRADE (Ex.: ASP2 to SP1) ASP2 appt TRANSFER w/ same position (Ex.: T1 transfer) First appt as T1

SERVICE RECORD

April, 2022 PAYSLIP

Entry 2 Entry 1

LOYALTY

LOYALTY 10 years – 10,000.00 15 years – 5,000.00 20 years – 5,000.00 25 years – 5, 000.00 etc …..

April, 2022

INCENTIVE AWARDS FORM

CERTIFICATE OF AVAILABILITY OF FUNDS

CERTIFICATE OF RATING

CERTIFICATE OF NO LEAVE OF ABSENCE WITHOUT PAY Not more than 50 days leave of absence w/o pay

April, 2022

THANK YOU

GSIS Marilyn D. Santos Administrative Assistant III

AAO (AGENCY AUTHORIZED OFFICER) 1- LOAN PROCESSING 2- MEMBERSHIP UPDATING

Gsis LOANS: Multi-purpose Loan (MPL) Policy Loan Emergency Loan Computer Loan (June 30, 2022)

Multi-purpose Loan (MPL PLUS) *Requirements: -Certification (no pending criminal case & no leave of absence) -Latest Payslip (original/1 st copy) *MPL Applications via: -GWAPS Kiosk using ecard/UMID Card -via email ( [email protected] ) -Over-The-Counter/GSIS Branch/Drop Box - eGSISMO /GSIS Touch *Interest: 7% percent per annum *Payment Terms: 2-10 years *Who are qualified: permanent/non-permanent with 3 months premium

Policy Loan *Requirements: -Certification (no pending criminal case & no leave of absence) -Latest Payslip ( xerox ) *Policy Applications via: -GWAPS Kiosk using ecard/UMID Card -via email ( [email protected] ) -Over-The-Counter/GSIS Branch/Drop Box - eGSISMO /GSIS Touch *Interest: 8% percent per annum *Payment Terms: fixed monthly payment/ deducted upon renewal, maturity or termination of policy *Who are qualified: permanent/non-permanent that insured for at least 1 year

Emergency Loan *Requirements: -Certification (no pending criminal case & no leave of absence) -Latest Payslip (original) *Emergency Loan Applications via: -GWAPS Kiosk using ecard/UMID Card -via email ( [email protected] ) -Over-The-Counter/GSIS Branch/Drop Box - eGSISMO /GSIS Touch *Interest: 6% computed in advance *Payment Terms: 3yrs *Who are qualified: permanent/non-permanent in arrears that were proclaimed under stat of calamity

COMPUTER LOAN (June 30,2022) *Requirements: -Certification (no pending criminal case & no leave of absence) -Latest Payslip (original) *Computer Loan Applications via: -GWAPS Kiosk using ecard/UMID Card -via email ( [email protected] ) -Over-The-Counter/GSIS Branch/Drop Box - eGSISMO /GSIS Touch *Interest: 6% per annum *Payment Terms: 3yrs *Who are qualified: active members who have paid at least three months of premiums; have permanent appointment

ARA FORMS: FORM A- For new members/re-employed/reinstated FORM B- For transferees FORM C- For salary Adjustments w/ multiple salary lines FORM D- For employees with LWOP and for termination FORM E- For employees with changes/correction in their Personal Data FORM F- For salary adjustment (single, last salary line) -new tranche

eGSISMO (Electronic GSIS Member Online) allows you as a member to view electronically any time and any where your member profile and record of loans and claims. TO REGISTER: a. Go to http://egsismo.gsis.gov.ph/ b. Click Sign Up. c. Enter your BP Number and Date of Birth . Then, click Confirm. d. Select two security questions and provide answers in the text box. e. On the same page, check if the email address that appears is indeed your own and is still valid, because GSIS will send eGSISMO information, including a default password, to that email address. f. Click Confirm if you are done. This message will then appear: “You have successfully registered in eGSISMO ! Your password has been sent to your email address. g. Please check your email to activate your account.” Click OK.

GSIS BULACAN EMAIL: [email protected] GSIS SITE: https://www.gsis.gov.ph/

Q AND A…….

APPOINTMENT PAPER PROCESS Garry Salamat Administrative Assistant III Hana M. Hernandez Administrative Assistant III

Review of Appointment Papers and Process Flow EDDIS I - Karen Mineth T. Danganan EDDIS II - Hana M. Hernandez EDDIS III - Garry S. Salamat EDDIS IV - Fresly John M. Corpuz

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 1. Appointment Paper (CS Form No. 33-A Revised 2018) 4 original copies.

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 2. Oath of Office (CS form No. 32 Revised 2018) 3 Original Copies, do not put date.

ELEMENTARY – JUNIOR HIGH SCHOOL SENIOR HIGH SCHOOL

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 3. Certification on Availability of Funds 3 Original Copies.

ELEMENTARY – JUNIOR HIGH SCHOOL SENIOR HIGH SCHOOL

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 4. Certification of Assumption of Duty (CS Form No. 4. Revised 2018) 3 Original Copies. Do not put date.

ELEMENTARY – JUNIOR HIGH SCHOOL SENIOR HIGH SCHOOL

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 5. Position Description Form (CS Form No. 4 Revised 2018) 3 Original Copies. Do not put date.

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 6. Personal Data Sheet (CS Form No. 212 Revised 2017) 3 Original Copies. Do not put date.

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 7. Work Experience Sheet (Attachment to CS Form 212), for appointment with required experience only. 3 Original Copies. Do not put date.

WES

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 8. Copy of Eligibility / License not expired 2 authenticated copies, 1 photocopy.

PRC LICENSE

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 9. Copy of PRC Rating 2 authenticated copies, 1 photocopy.

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 10. NBI Clearance 1 original copy, 2 photocopies. (If on process, attach the claim stub from NBI Office)

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 11. Sworn Statement of Assets, Liabilities and Net Worth (SALN) Revised as of January 2015 2 duly notarized original copies, 1 photocopy.

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 12. Medical Certificate (CS Form No. 211 Revised 2018) 1 original copy, 2 photocopies with complete medical results for original appointments.

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 13. Transcript of Records 2 authenticated copies and 1 photocopy. (Proof of booking is not allowed)

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 14. Diploma for original appointment only, 2 authenticated copies, 1 photocopy

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 15. PSA Copy of Birth Certificate 2 original copies, 1 photocopy.. For original appointment only

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 16. PSA Copy of Marriage Certificate 2 original copies, 1 photocopy..

APPOINTMENT… REQUIREMENTS: (Right Side of the Folder) 17. IPCRF - (for Promotion and Reclassification appointment only) - 3 photocopies of the latest performance rating. 18. Photocopy of Certificate of Trainings (for those position that required trainings based on the QS) . 19. NC and TM Certificate (for SHS Teacher TVL Track only)

APPOINTMENT… REQUIREMENTS: (Left Side of the Folder- 1 copy each) 1. Ranking (Except Reclassification) 2. NOSCA (for Reclassification and Newly Created Positions) 3. Clearance CSC Form (for Transfer and Reemployment only) 4. Special Order (if vice was resigned or transferred to other division. 5. Endorsement Letter (if vice was transferred)

APPOINTMENT… REQUIREMENTS: (Left Side of the Folder- 1 copy each) 6. Application for Retirement/Voucher of Vice 7. PRC Online Verification 8. Copy of Appointment of Vice (if vice was promoted) 9. Approved Form 6 of vice(for substitute)

APPOINTMENT… REQUIREMENTS: (Left Side of the Folder- 1 copy each) 10. Civil Service Checklist

APPOINTMENT… REQUIREMENTS: (Left Side of the Folder- 1 copy each) 11. Publication (except reclassification and substitute)

APPOINTMENT… REQUIREMENTS: (Left Side of the Folder- 1 copy each) 12. Plantilla

APPOINTMENT… REQUIREMENTS: (Left Side of the Folder- 1 copy each) 13. CAV (Certification, Authentication and Verification) -TOR from private universities and colleges (CAV from CHED) -TOR from state universities and colleges (CAV from the School) 14. Letter of Advise (for original appointment)

PSIPOP Personal Services Itemization and Plantilla of Personnel LORADEL B. PASCO Administrative Officer II

serves as the primary data source for manpower information and as the basis of determining the Personal Services (PS) budgetary requirements of DepEd

New employees Promotion Updating of the step increment of the employee Transfers What we encode and update in the PSIPOP Schedule of PSIPOP Uploading to DBM Every 25 th of the month

1. End-user – encoders 2 . Approver – (Principal’s Account) User Accounts

HOW TO ACCESS PSIPOP Recommended Settings Internet explorer (IE) version 6.0 or higher Maximum window size of IE browser No bars or toolbars displayed Check “always pop-up blocker from this site” option Screen solution must be 1280 x 768 pixels

Open your internet explorer browser and type psipop.dbm.gov.ph/ in the address bar ***for windows 8 onwards

Click the tool icon of ie then click the compatibility view settings

Click the add button

FOR NEW END-USERS

Type the unique item number of the incumbent and click enter HOW TO ENCODE DETAILS OF A NEW EMPLOYEE

1. Encode the details of the incumbent 2. Click submit ***note The appointment date should be the original appt date of the employee

PROMOTION Type the old unique item number of the incumbent then click enter

Click the dropdown list (*Position type) and choose unfilled then click submit

1. Encode the details of the incumbent 2. Click submit

How to update the step in PSIPOP Click the 3 dots button (*actual salary)

Click this box

Click the dropdown button (*step increment) 2. Choose the updated step increment of the incumbent, click ok then submit.

How to generate/download a pdf copy of the Plantilla 1. Click the preview button 2. Type the ff: WENDEL E. AVISADO – Secretary Director SECRETARY – Designation VICTORIA O. MADRIGAL –HRM Officer ZENIA G. MOSTOLES,EdD.,CESO V -Head of Agency 3. Click ok

Click the save button

SAVE THE FILE ***installed acrobat reader

HOW TO UPLOAD YOUR PLANTILLA - DBM 1. Click the ready for upload button 2. Click notify then send. The uploaded plantilla will now be forwarded to the approver account

Uploaded for approver level 1

FOR WINDOWS 11

1.Click this 3 button icon located at the upper right of m.e browser 2.Go to settings

3. Click default browser

Settings of the Microsoft Edge Browser

5. Copy the url

6. Click the Add button

PAYROLL PROCESS Requirements and Computation MELODY G. REGALADO Administrative Assistant III

Payroll Computation DTR Appointment Personal Data Sheet Oath of Office SALN Certificate of first day of service BIR 1902/2305 Landbank ATM # GSIS BP # Pag- ibig # Philhealth # Last Payment (from other Division/Agency) Request for Payment of First Salary

Payroll Computation DTR Appointment Landbank Atm # Subsequent Salary

Computation First Salary

Computation Subsequent Salary

REQUEST FOR PAYMENT OF SALARY DIFFERENTIAL DUE TO RECLASSIFICATION/PROMOTION Payroll Computation Approved NOSA Appointment Oath of Office Certificate of first day of service Latest payslip

REQUEST FOR PAYMENT OF STEP INCREMENT List of employees entitled to step increment Approved NOSI Latest payslip *** 3 copies each

OTHER BENEFITS (CLOTHING, CASH ALLOWANCE, BONUS ETC. Disbursement Voucher (3 copies) Obligation Request & Status (3 copies) Payroll – 4 copies LOYALTY AWARD Disbursement Voucher (3 copies) Obligation Request & Status (3 copies) Payroll – 4 copies Approved Loyalty Award Incentives

Payroll Computation

Tax Table

Station Code

Remittances and Loans PHILHEALTH KRISTINE JOY TICO Administrative Assistant III

Philhealth Registration Attachment Fully accomplished PMRF Birth Certificate of Member Marriage Certificate if married Birth Certificate of dependent (if any) 2 valid ID Email : [email protected]

Report of Employee-Members (ER2) Fully accomplished ER2 2 valid ID

PHILHEALTH MEMBER PORTAL

PAG IBIG (HDMF) REGISTRATION Member's Change of Information Form (MCIF) Attachment Fully accomplished MCIF Marriage Certificate 2 valid ID Member's Data Form (MDF)

VIRTUAL PAG IBIG vPagIBIG Account Creation via Account Activation.pdf vPagIBIG Account Creation via Loyalty Card Plus.pdf

BUREAU OF INTERNAL REVENUE REGISTRATION ONLINE REGISTRATION DIVISION OF BULACAN (PATRICK JAMES SANTOS) Fully accomplished 2305 Birth Certificate Marriage Certificate (if married) Birth Certificate of Dependent (if any)

ADDITIONAL DEPENDENT Fully accomplished 2305 Marriage Certificate Birth Certificate of dependent

Remittances and Loans GSIS REMITTANCES AND PLI LOANS LADY GRACE SANTOS Administrative Assistant II

Remittance of Regular Payroll Raw ERF files sent by RPSU last week of the Due month Filling up details (BP number, Date of Birth, CRN, Basic monthly, and Effectivity date) Uploading to EBCS Unmatched and Clarifications Locked and download of SOT(summary of totals) Preparation of voucher and remittance list

UNMATCHED AND CLARIFICATIONS Unmatched name between RPSU record and GSIS record (different spellings and different surnames due to marriage) No active loans (to be clarified if for refund by GSIS) Unmatched remitting agency No service record Remitting amount is greater than the GSIS record

VERIFICATION OF PLI LOANS * Borrower should forward thru their DEPED gmail account the email they received from the PLI with the attachment of their pay slip with approved stamp from the PLI ( [email protected] ) * If buy-out, SOA copy of the buy-out loan should be attached too * First email first verification *borrower should: Served at least six (6) months in DepEd Holds a permanent appointment Incorporated in the regular payroll Issued an employee number, whether assigned at the national, regional, schools division, or school level (IU or non-IU) With capacity to pay In case of cancellation, send the pay slip with cancelled stamp from the PLI.

DISAPPROVED LOAN *Insufficient Net take home pay per DepEd Order No. 5, 2018 (the net pay after deduction should be Php5,000 and above) *Served at least one (6) months in DepEd (from Date of appointment)   *Interest rate exceeded the ceiling *Must hold a permanent position

PARTICULARS CEILINGS Contractual Interest Rates (based on diminishing/ declining principal balance) 1 year - 7.500% per annum (p.a.) or 0.625% per month 2 years - 9.000% p.a. or 0.750% per month 3 years - 9.660% p.a. or 0.805% per month 4 years - 9.660% p.a. or 0.805% per month 5 years - 9.660% p.a. or 0.805% per month One-time Other Charges( Must be itemized in the Disclosure Statement) 6.000%, deducted upfront from the principal amount of loan

Q AND A……

END…… PERSONNEL AND PAYROLL UNIT 
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