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CREATION OF Pag-IBIG Fund

The birth of Home Development Mutual Fund (HDMF), more popularly known as the Pag-IBIG Fund, was an answer to the need for a national savings program and an affordable shelter financing for the Filipino worker. The Fund was established on 11 June 1978 by virtue of Presidential Decree No. 1530 primarily to address these two basic yet equally important needs. Under the said law, the Social Security System (SSS) shall administer the funds of private employees, while the Government Service Insurance System (GSIS) shall administer the funds of government employees. Less than a year after on 1 March 1979, Executive Order No. 527 was signed. The order directed transferring the administration of the Fund to the National Home Mortgage Finance Corporation (NHMFC), which was one of the operating agencies of the then Ministry of Human Settlements. Seeing the need to further strengthen the stability and viability of the two funds, Executive Order No. 538 was issued on 4 June 1979, merging the funds for private and government personnel into what is now known as the Pag-IBIG Fund. However, it was only on 14 December 1980 when Pag-IBIG was made independent from the NHMFC with the signing of PD 1752, which is recognized as the HDMF Charter. With the improved law in effect, the Fund’s rule-making power was vested in its own Board of Trustees. Likewise, PD 1752 made Pag-IBIG membership mandatory for all SSS and GSIS member-employees. Months after former President Corazon C. Aquino assumed leadership of the country, Pag-IBIG contributions were suspended from May to July 1986. On 1 August 1986, former President Aquino directed the resumption of Pag-IBIG membership under Executive Order No. 35. Membership was still on a mandatory basis but under more liberal terms. The employee and employer contribution rates were reduced, and the Maximum Fund Salary was raised from P3,000 to P5,000. 1 January 1987 marked the return of the Pag-IBIG Fund to a voluntary program under Executive Order No. 90. It was during the years as a voluntary fund that Pag-IBIG introduced innovative benefit programs that heeded the calls for expansion of membership, and addressed the immediate financial as well as housing needs of its members. After eight years as a voluntary fund, Pag-IBIG membership reverted to mandatory on 17 June 1994 when President Fidel V. Ramos signed Republic Act 7742. The new law became effective on 1 January 1995. More than a decade after RA 7742 was implemented, the Pag-IBIG Fund continues to be a strong partner in realizing Filipino workers’ dreams. Recognizing HDMF’s contributions and the need to further strengthen its capability as the biggest source of housing finance in the country to date, President Gloria Macapagal-Arroyo signed into law Republic Act No. 9679 or the Home Development Mutual Fund Law of 2009 on 21 July 2009, and making Pag-IBIG membership mandatory for all, including Filipinos employed by foreign-based employers. Now more than ever, Filipino workers will enjoy the benefits that are available only to Pag-IBIG members. Pag-IBIG is an acronym which stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya at Gobyerno. To this day, the Pag-IBIG Fund continues to harness these four sectors of the society

to work together towards providing Fund members with adequate housing through an effective savings scheme.

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VISION

To be the premier and globally competitive provident financial institution.

MISSION

To uplift the quality of life of the members through savings.

GOALS

1. To motivate the employed and other earning groups to save, with contributory support of the employers, through an integrated nationwide provident savings system.

2. To provide affordable housing finance to the Fund’s members to enable

them to meet their housing needs.

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PROVIDENT BENEFITS CLAIM

Pag-IBIG Fund guarantees the refund of member’s total accumulated savings (TAV), which consists of the member’s accumulated contributions, the employer counterpart contributions, if any, and the dividend earnings credited to the member’s account upon occurrence of any of the following grounds for withdrawal:

1. Membership maturity. The member must have remitted at least 240 monthly

membership contributions with the Fund. For Pag-IBIG Overseas Program (POP) members, membership with the Fund shall be at the end of five (5), ten (10), fifteen (15), or twenty (20) years depending on the option of the member upon membership registration.

2. Retirement. The member shall be compulsorily retired upon reaching age 65. He may however, opt to retire upon the occurrence of any of the following:

Actual retirement from the SSS, the GSIS or a separate employer provident/retirement plan, provided the member has at least reached age 45.

Upon reaching age 60.

3. Permanent and Total Disability or Insanity. The following disabilities shall be deemed total and permanent:

Temporary total disability lasting continuously for more than 120 days; Complete loss of sight of both eyes; Loss of two limbs at or over the ankle or wrist; Permanent complete paralysis of two limbs; Brain injury resulting in incurable imbecility or insanity; and Such other cases which are adjudged to be total and permanent

disability by a duly licensed physician and approved by the Board of Trustees.

5. Separation from the service due to health reason 6. Permanent departure from the country 7. Death. In case of death, the Fund benefits shall be divided among the member’s

legal heirs in accordance with the New Civil Code as amended by the New Family Code.

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PROVIDENT BENEFITS CLAIM (Complex Transaction)

Schedule of Receipt of Application Monday to Friday, 8:00 a.m. - 5:00 p.m.

(No Lunch Break)

Processing Time

1 working day - Additional death benefit

3 working days - Regular Claim

For applications with transfer of records, additional 7 working days.

Processing Fee: None

Basic Requirements

1. Duly accomplished Application for Provident Benefits (APB) Claim

(Downloadable from the Pag-IBIG website, www.pagibigfund.gov.ph)

2. Two (2) valid IDs (refer to page 9)

3. Updated Service Record (For government employees)

4. Special Power of Attorney and two (2) valid IDs each of the Principal and Attorney-in-Fact (If member cannot claim personally)

Additional Requirements (refer to page 7)

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Procedure

STEP 1

Go to the Pag-IBIG NCR/Regional

Branch where your contributions are being remitted.

Proceed to the Provident Benefits Division (PBD) servicing counter.

Responsible Person

STEP 2 10 minutes

Submit duly accomplished APB together

with the complete supporting documents.

Notes: 1. Please present original documents for

authentication. 2. You will be informed if you are not

qualified to file the application.

Get Claims Acknowledgement Receipt (CAR).

Note: The date of release of claim proceeds shall be indicated in the CAR.

Loans and Credit

Evaluator II

Note:

During evaluation period, you shall be informed thru telephone if there is a need for you to submit additional required documents.

STEP 3 3 minutes

On scheduled date, get claims proceeds:

- Present CAR and 2 valid IDs (refer to page 8) to the Cash and Administrative Services Division (CASD).

Check Release Controller

END OF TRANSACTION

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ADDITIONAL REQUIREMENTS FOR PROVIDENT BENEFITS CLAIM

TYPE OF CLAIM REQUIREMENTS

a. Membership

Maturity

POP Passbook (For POP member)

b. Retirement

1. Any of the following:

- Birth Certificate issued by National Statistic Office (NSO) - SSS/GSIS Retirement Voucher - At least two (2) valid ID cards with photo and signature

reflecting date of birth. Note: If Birth Certificate is not available, the Non-Availability of Birth Record issued by NSO together with Notarized Joint Affidavit of Two (2) Disinterested Persons attesting to the date of birth of the member shall be submitted.

2. Notarized Certificate of Early Retirement (For Private

Employee, at least 45 years old) 3. For AFP, Philippine Navy and Army Personnel:

- Order of Retirement - Updated Statement of Service - Statement of Last Payment

c. Separation from

the service due to health reasons

1. Physician’s Certificate/Statement 2. Notarized Sworn Employer’s Certification that member was

separated from the service due to health reasons 3. Latest SSS Disability Voucher (For Private Employee)

d. Total Disability or Insanity

1. Physician’s Certificate/Statement of Insanity 2. SSS Total Disability Voucher (If Private Employee) 3. For AFP, Philippine Navy and Army Personnel:

- Updated Statement of Service - Statement of Last Payment - Compulsory Disability Discharge (CDD) Order

ANNEX A

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TYPE OF CLAIM REQUIREMENTS

e. Permanent

Departure from the country

1. Notarized Sworn Declaration of Intention to Depart from the

Philippines Permanently [FPC013] (Downloadable from the Pag-IBIG website, www.pagibigfund.gov.ph)

2. Photocopy of Passport and any of the following: - Immigrant Visa - Residence Visa - Settlement Visa - Such other equivalent document depending on the issuing

country

f. Death

1. Member’s Death Certificate issued by NSO 2. Funeral Receipt or Certification from Funeral Parlor. 3. Notarized Proof of Surviving Legal Heirs [FPC011]

(Downloadable from the Pag-IBIG website, www.pagibigfund.gov.ph)

4. Notarized Affidavit of Guardianship (For children 18 years old and below, or physically/mentally incompetent) [FPC012] (Downloadable from the Pag-IBIG website, www.pagibigfund.gov.ph)

5. Birth Certificate of all Children, if any, issued by NSO or Baptismal/Confirmation Certificate

6. To establish relationship with the deceased member, the claimant shall submit any of the following: - Member’s/Claimant’s Birth Certificate issued by NSO - Member’s Marriage Contract, if married, issued by NSO - Certified True Copy of Member’s/Claimant’s

Baptismal/Confirmation Certificate - Certificate of No Marriage (CENOMAR) (For Single Only)

7. Other documents as may be needed

ANNEX A

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LIST OF VALID IDs ACCEPTABLE TO THE FUND

1. Company ID 2. Passport, issued by the Philippine or Foreign Government 3. Driver’s License 4. Professional Regulation Commission (PRC) ID 5. Social Security System (SSS) Card 6. Government Service Insurance System (GSIS) e-Card 7. Government Office and GOCC ID, e.g. Armed Forces of the Philippines

(AFP) ID 8. Integrated Bar of the Philippines (IBP) ID 9. Senior Citizen Card 10. Overseas Workers Welfare Administration (OWWA) ID 11. Overseas Filipino Worker (OFW) ID 12. Seafarer’s Identification and Record Book (SIRB) 13. Postal ID 14. Voter’s ID

HANDLING MEMBER’S SUGGESTION/COMPLAINT To our Valued Members/Customers: Your opinion is of great importance to us. You may send us your suggestions, complaints, or any concern through any of the following: Servicing Counters

You may visit our servicing counters stationed at NCR/Regional branches.

For NCR provident-related concerns, please visit the Pag-IBIG Branch maintaining your records. However, for housing-related concerns, you may visit us at _____________________________________________________.

For those in the regions, you may raise both your provident- and housing-related concerns to the branch maintaining your records.

Forms

Please accomplish the Customer Service Feedback Form (CSFF) or the Customer Complaint Form (CSF). These forms are available at various counters of any Pag-IBIG Office. You may drop the accomplished form/s at designated Suggestion/Complaint Boxes upon your visit.

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Letters

Letters may be sent to: The Member Relations Department ____________________________ ____________________________

You may also send your letters directly to the concerned Pag-IBIG Branch, addressed to the Office of the Manager.

E-mails

E-mails may be sent to publicaffairs@pagibigfund.gov.ph. You shall receive a confirmation message that your email has been forwarded to the concerned branch/department for appropriate reply and/or action.

Pag-IBIG Hotline

For your immediate concerns, you may also reach us at 724-4244 (Pag-IBIG), from Monday to Friday between 8:00 am and 5:00 pm. However, you may also call the Marketing and Enforcement Division of the concerned branch at telephone numbers indicated under List of Branches. Rest assured that we shall carefully evaluate your concerns and shall respond to you immediately. Likewise, we shall give your complaints considerable attention according to the following:

Duration Nature of Concern

3 working days

Simple queries (General Information)

Complaints

10 working days Complex queries (Policy and loan-related queries, queries that require coordination with other Pag-IBIG offices)

Grave complaints

1 hour Pag-IBIG Hotline Queries

Thank you for your continued support to the Fund. We look forward to bringing you and all our members a more responsive service.

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LIST OF Pag-IBIG BRANCHES

NCR – NORTH

KAMIAS 795 Anchor Center, EDSA, Quezon City 928-1432

CUBAO G/F & 3/F Union Square Condominium 145, 15th Avenue Cubao, Quezon City 421-9445

ORTIGAS 611 Westar Bldg. Shaw Blvd., Pasig City 637-8274

ANTIPOLO Budget Lane Shopping Center, Provincial Road, San Jose Antipolo City 696-6055

NCR – WEST

IMUS Olma Building Emilio Aguinaldo Highway Imus, Cavite 046-4719013/471-6638 loc. 301 & 302

PASAY 1st & 2nd Floor, Roxas Strip Bldg. Arnaiz St. cor. Roxas Blvd., Pasay City 552-1164

MANILA Park n Ride Bldg. P. Burgos Ave. cor. Dr. Basa Street Ermita, Manila 528-1432

CALOOCAN Puritan Philippines, Inc. (PPI) Bldg. 355 EDSA corner Gen. Tirona St. Caloocan City 366-9480

NCR – SOUTH

MAKATI I 317 Justine Bldg. Sen. Gil Puyat Avenue, Makati City 812-4731 loc. 204/814-0451/ 814-0452

MAKATI II 317 Justine Bldg. Sen. Gil Puyat Avenue Makati City 812-4731 loc. 406/817-2641

MAKATI III 317 Justine Bldg. Sen. Gil Puyat Avenue Makati City 840-2502

NORTHERN LUZON

LA UNION Pag-IBIG Fund Bldg. Government Center. Brgy.Sevilla, San Fernando City La Union 072-2425588 to 89 loc. 206 Vigan Extension Office Ground Floor, CAP Bldg. Florentino St., Vigan City 072-6321118 Ilocos Norte Extension Office WC Bldg., Brgy. #10 D. Samonte St., Laoag City 077-7704699/7705216 BAGUIO G/F Insular Life Bldg. Abanao Ext. cor. Legarda Road, Baguio City 074-6191330/2710 local 102

DAGUPAN 1st & 3rd Floors Benning Realty Square Arellano St., Dagupan City, Pangasinan 075-5223865/3266 MALOLOS 2nd Floor, North Centrum Bldg. Tabang, Guiguinto, Bulacan 044-7940549 loc. 206 Cabanatuan Extension Office 2nd Floor DBP Building Burgos Avenue, Cabanatuan City 044-6001225/463-1692 Baler Service Desk Baler Municipal Building Poblacion, Baler, Aurora 042-722-0000

SAN FERNANDO Suburbia Commercial Center Maimpis, City of San Fernando, Pampanga 045-8604490 loc. 115 / 045-455-1292 Tarlac Extension Office Benin Bldg. Zamora Street San Roque, Tarlac City 045-6286025/628-6026 DINALUPIHAN NEJ Bldg. San Ramon Highway Dinalupihan, Bataan 047-4813593/ 481-3606 loc. 204 & 205

TUGUEGARAO Ong Chong Bldg. 88 Del Rosario St. Tuguegarao City, Cagayan 078-8441448/846-1357 Isabela Extension Office 2nd Floor, Bucag Bldg. cor. Faustino L. Dy & Canciller Sts. Cauayan City Isabela 078- 634-5156/ 652-2883 Nueva Vizcaya Extension Office BAJ Bldg., Mabini St. Solano, Nueva Vizcaya 078-3266113/3267811

SOUTHERN LUZON

CALAMBA High Rise Business Center National Highway, Brgy. Halang, Calamba City, Laguna 049-5451278/5451232/ 5451236 local 109 LUCENA G/F & 2/F Lucena Grand Central Terminal Bldg., Ilayang Dupay, Lucena City 042-7102869

BATANGAS Caedo Commercial Center National Highway Bo. Calicanto, Batangas City 043-7235939/723-5848/ 723-2082/723-6151 loc. 504 CALAPAN Unit 11 Filipiniana Commercial Complex Brgy. Sto. Nino Calapan City, Oriental Mindoro 043-2867455/2881597 Puerto Princesa Extension Office Lustre Building, Rizal Avenue, Puerto Princesa City, Palawan 048-4335024/433-4522

LEGAZPI Hi-Tone Construction & Development Corp. Bldg. B. Imperial St. Bitano, Legazpi City 052- 8217923/8205743/ 480-8539 loc. 201 to 204 Masbate Extension Office Espinosa Apartment, Mabini St., Masbate City 056-3333678

NAGA Annelle Building Tabuco, Naga City 054-4723610/4731017 loc. 321 Daet Field Service Center Rafer Bldg. Magallanes, Iraya, Daet, Camarines Norte 054-4401640

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VISAYAS

ILOILO CITY F & E Bldg., Emmanuel Business Center, Benigno Aquino Avenue, Molo Iloilo City 033-3381033 Kalibo Extension Office 3rd Floor Garcia Bldg., C. La Cerna St. Kalibo, Aklan 036-2689335 Capiz Extension Office Acevedo Building, Mckinley Street Roxas City 036-6214165

CEBU CITY Pag-IBIG Fund WT Corporate Tower, Mindanao Avenue, Cebu Business Park, Cebu City 032-4155003/416-3933/415-5009 loc. 1100/1102/1106/3300/ 032-2342778 Dumaguete Extension Office Philippine National Red Cross Bldg. Legaspi St., Dumaguete City 035-4228199/2257713

MANDAUE A.S. Fortuna Street Mandaue City, Cebu 032-4226000 loc. 1302 Tagbilaran Extension Office Maria Clara St. Tagbilaran City 038-4125977/5018455 BACOLOD St. Francis Center, Araneta St. Singcang Bacolod City 034-4351137 to 40 loc. 107, 118 & 123

TACLOBAN Pag-IBIG Fund Bldg. Lopez Jaena St. cor. Del Pilar Ext. Tacloban City 053-5232708 Ormoc Service Center Rm 208, 2nd Floor, Superdome San Pedro Street, Ormoc City 053-2555089

NORTHERN MINDANAO

ZAMBOANGA CITY Pag-IBIG Fund Bldg. San Jose Road Baliwasan, Zamboanga City 062-9910092 Dipolog Extension Office 3rd Floor Ello Building, corner Arellano and Echavez Sts. Dipolog City 065-908-1178/2124542

PAGADIAN 2nd Floor DBP Building, Rizal Avenue, Balangasan District Pagadian City 062-2141695/215-2716/ 062-2144959 ILIGAN Ground Floor and 2nd Floor, Gonzales-Gimeno Bldg. IV, Tubod Highway, Iligan City 063-2213378

BUTUAN ARUJ Building, T. Calo Street Extension, Butuan City 085-3423183/225-2341 loc. 23 085-8156032 Surigao Extension Office Ground Floor, Lorna Laurente Bldg.,Rizal St.,Surigao City 086-8266212

CAGAYAN DE ORO Pag-IBIG Fund Building, J.R. Borja-Mortola St., Cagayan de Oro City 08822-714616/088-8561862/ 088-8562014 Malaybalay Extension Office Tubeo Bldg., Damasco St., Malaybalay City, Bukidnon 088-2214155

SOUTHERN MINDANAO

DAVAO CITY Pryce Tower Condominium Pryce Business Park, Bajada 8000, Davao City 082-2217884

TAGUM Ramos Bldg. Arellano St. Tagum City 084-4004696

GENERAL SANTOS CITY 2nd and 3rd Floors, RDRDC Building, Santiago Boulevard, General Santos 083-5527632/5523566 loc. 207/083-5545468 Koronadal Extension Office 2nd Level Fitmart Mall of Marvel National Highway, Koronadal City 083-2288125

KIDAPAWAN 3rd Floor Eva’s Mall Bldg. Quezon Blvd., Kidapawan City 064-5210238 Cotabato Extension Office 6th Floor, Cotabato Yu Ekey Marketing Bldg., Don Rufino Alonzo St., Cotabato City 064-4213120/4213332

Disclaimer

The provisions in this Charter may be revised or modified in accordance with new as well as amended guidelines and procedures any time without prior notice to the members. In such cases, the updated versions of the Citizen’s Charter may be accessed through the Pag-IBIG Fund

website at www.pagibigfund.gov.ph.