RAMON MAGSAYSAY TECHNOLOGICAL UNIVERSITY

IBA CAMPUS
COLLEGE OF ARTS AND SCIENCES

A
NARRATIVE
REPORT

In Partial Fulfillment
of the
On- the- Job Training
in the Course
BACHELOR OF SCIENCE IN PSYCHOLOGY

Submitted by:
MAY ANN I. BLANCO







NAME: MAY ANN I. BLANCO
AGE: 28
DATE OF BIRTH: MAY 28, 1985
ADDRESS: BANGANTALINGA IBA, ZAMBALES

I finished my on the job training for 500 hours in three different settings. I am grateful that I
finished and fully accomplished my training on the right time. I met different kinds of people
with different behaviors. It proved me that individual differences really occur in same places
and in same group of people. I learned how to interact to people with different personalities
with different approaches.

I started my o-j-t in clinical setting for 200m hours. Secondly, I trained in educational setting for
150 hours and lastly in industrial setting for 150 hours also.







CLINICAL
SETTING






Date started: June 26,2013
Date Ended: July 31,2013






PREDA FOUNDATION INC.
PREDA Foundation Inc. was founded by an Irish Columban missionary priest, Father Shay Cullen from
Ireland. He was assigned to a parish in Olongapo City which is situated in Subic Bay in 1969. This town is
the home of US Navy 7
th
fleet and thousands of navy men lived in this huge base and many more would
visit Olongapo City when the aircraft carriers and warships arrived.
In 1974, with Filipino helpers, Fr. Shay Cullen established the PREDA Foundation to give shelter,
protection and recovery to the victims of abuse and more importantly to change the unjust situation in
the society of Olongapo wherein even children are recruited and used as prostitutes. The women and
children were systematically sexually exploited whom are exposed in HIV- AIDS and victims of violence.
Young boys, some as young as 10 to 12 years old were jailed in subhuman conditions and sexually
abused by older prisoners.
Fr. Shay began the work of PREDA by rescuing the children and youth from jails and streets providing a
safe therapeutic home where they could recover from sexual, physical and emotional abuse suffered in
jails and on streets.
In PREDA home, there is freedom, respect, friendship, affirmation, education, family reconciliation and
reintegration. The children were treated with understanding, trust, dignity and respect.
In 1983, Fr. Shay Cullen uncovered an organized child prostitution ring that was trafficking women and
children who are made prostitutes of US sailors with the PREDA co-founder, Mr. Alex Corpus Hermoso.
They worked successfully to help change the law for women and children protection and even for
children in conflict with the law.
Many children were recovered and reintegrated with their families. Some had succeeded in past years,
finished college and today are PREDA social workers who are helping the new child victims at the PREDA
childrens home. The PREDA legal officers are filing criminal charges against the abusers but some cases
are still in court due to weak prosecution and slow process of the court.
May all people of good will, defenders of children, protectors of human rights, never turn a blind eye to
the suffering and injustice done to the young people. May we all have the courage to take a stand and
speak out to defend the helpless and most vulnerable.
May we all work for justice and make this a better world for all especially for children of today.
RESOUCE: http:/www.preda.org/en/about-preda-foundation/preda-history/



PEOPLES RECOVERY EMPOWERMENT DEVELOPMENT &
ASSISTANCE
FOUNDATION INC.


MISSION:
To work for just laws and their implementation that will empower the poor and protect
their rights.
To protect the weak and the defenseless especially children and women exploited in
demeaning labor, especially prostitution.
To come to the assistance of the sexually abused and develop Fair Trade programs that
will help alleviate poverty and exploitation.

VISION:
We, the members of PREDA Foundation, our friends and supporters, envision a just, free,
peaceful and prosperous society that serves the common good, respects human rights,
especially the rights of children. A society built on faith, virtue and spiritual values that
overcome poverty by a fair distribution of wealth, opportunity and resources. It restores and
preserves the environment and builds up self-reliant communities through the participation of
the people that respects and restores the culture of indigenous people.







Programs offered:
*Childhood for Children
It offers protection for Commercially and Sexually Exploited Children and Sexually
Abused Children considering the Law RA 7610.
RA 7610- An act providing for strong deterrence and special protection against child abuse,
exploitation and discrimination providing penalties for its violation and for other purposes.
It offers protection for children in conflict with the law should not be in jail. It is also
known as the Juvenile Justice and Welfare Law of RA 9344.
*Rescue a Child Today (Child rescue Project)
The children in jails and bars should be rescued and protected.
*Legal Assistance
*Preventive Education and Public Speaking
*AKBAY(Youth Development Program and Scholarship)
*Special Human Rights Education
*Research, Advocacy, Information and Networking
*Internet Safety Campaign
*Indigenous Peoples Assistance and Community Training
*Fair Trade

TASKS:
Administering test to the children
Doing psychological evaluation reports and behavioral reports
Reading of case folders of the children
Clerical work/office works (encoding, marketing, photocopy)
Observation and recording during the feedback session
Observation and recording during the counseling session
Observation and recording during the primal therapy
Observation and recording during the bible reading, spiritual and values formation.
Tutorial to elementary students in reading and writing
Assisting the children with their assignments
School monitoring and observation of facilitators
Fieldwork (Assisted the children for their medico- legal in PGH and home visit of the
other children)
Tree planting with children and some staff of PREDA in Brgy. Aningway-Sacatihan Subic,
Zambales
Joined the unity walk with PREDA staffs in Olongapo City-From Olonagapo Convention
Center to Municipal Hall
Attends seminar in R.A. 7610, R.A. 9344 and R.A. 9208.

*We are not allowed to take pictures with the children for their protection.
*For people concerned, the Foundation is willing to help by contacting ANGEL ANNIE.
0917-53-ANNIE
(24453)

My experience with PREDA children:
I started my training in PREDA on June 26, 2013 and ended on July 31, 2013. At first, I felt
nervous and shy, especially when I met the twenty six children in the center. The children were
divided into two sections: 13 in CSEC (Commercially and Sexually Exploited Children), and 13 in
SA (Sexually Abused). All of the children are enrolled in formal schooling, in Baretto Highschol
and Baretto Elementary School. Some of the children are mentally retarded and they were
enrolled in Special Education class (SPED). It is a very big challenge for me to interact with
children considering their unpleasant experiences. But, I made my very best to establish
rapport with them and get closer to them until my last day of training.
June 26, 2013, Wednesday, my first day of training- I, and my co-trainees underwent an
orientation in the center about code of conduct, programs and services offered with the
centers head and authority. The PREDA psychometrician, Miss Rhoda Estinopo gave us the
different tasks we have to accomplish.
June 27,2013, I was assigned to accompany the psychometrician with some of the children for
medico-legal in PGH, Manila and home visit of other children in Bulacan. We left at 5:00 am
and went back at 10:00 pm in the center. That was an opportunity to establish rapport to the
children.
That was the first and last time that I was assigned for fieldwork.

The remaining days of my training was as inspiring and happy as I interact with the children.
Their life stories made me realize that I was so blessed and very fortunate that I have my family.
My heart ached as I heard them talked and shouted their bad feelings during the feedback
session, counseling session and primal therapy. They are the special children who need a
special attention and support. During my stay there, I made sure that I gave them the care and
attention I have to give and show them. Though, the children have different psychodynamics, I
never failed to understand them and apply the different approaches of interaction with them.
They are so lovely and sweet just like they have known me so much. They always gave a big
hug whenever they arrived from school. Sometimes, they will just ignore you that make you
think that you have done something wrong that offended their feelings. But, I still do my best
to know what they have been through in school. If they are in good mood, they will say what
they are feeling but if not especially when there is a manifestation of tantrums, no good
information will get from them. Most of the time, they are saying their problems and concerns
inside and outside the center but, some of the children are not consistent with what they are
saying or known to be lying especially when concerns about school needs and money matters.
At their age, especially all girls in the center it is unavoidable that they have encountered petty
quarrels. But the facilitators and staffs of PREDA were too patience and knowledgeable on how
to reconcile the children. It takes time to let the children behave especially the
special/mentally challenged children. What is good about the children are, they are honest
with their mistakes and willing to say sorry to each other. There was a time that I was assigned
to have a counseling session with the children to know about their concerns, and that was the
time they confess with their mistakes and listens to my advice as I made them realize that they
all need love and attention so that they should love each other as they live in one institution
that they are known to be a family. As the days gone by, my companionship with the children
shortens. I had mixed emotions-happy because short period of time to go, I will finish my o-j-t
but felt sad at the same time because I will miss the lovely children in the center.
My experience with co-trainees and staffs:
The time came that I felt uneasy when there are new o-j-ts arrived from Columban College.
But, I was wrong with the feeling. As we are getting closer, it is easier for me to accomplish my
duties in the center because we are helping each other to accomplish the task given to us. They
are social workers interns, so the time for school monitoring on children assisting were divided
for us. They were not required to administer test and do psychological evaluation reports but
allowed to do behavioral and observation reports. It was too good to be with them because we
shared knowledge about what we learned in school and in the center during our o-j-t. We eat
lunch together and share stories about life and experiences. We shared about our feelings
about the stories of the children in the center which made us realize and say that we are luckily
brought up by our lovable parents.
The staffs in PREDA were too patience in dealing with the children especially when they have
tantrums. Some of the PREDA staffs are also once became a survivor of a child abused. They
are understanding and concern about the children. They know what kind of technique they
would apply to the children. The staffs have different techniques of approaches as the children
sometimes are not consistent with what they are saying. I also encountered the staffs had a
misunderstanding about handling the children, tasking, monitoring and division of duties and
shifts. But, all of this was immediately settled and solved. They are also pressured with their
duties but do their very best to successfully do their job maybe because they are dedicated and
love their job as they love the children.
I also joined them and became a part of the foundations dedication and open a palm of a helping hand
for the peoples recovery, empowerment, development and assistance.
I am proud that I became a DEFENDER OF CHILDRENS RIGHT

PREDA Staffs and Officers:
Sir Francis-------------------------ExeCom
Mam Fhedalyn-------------------Project Coordinator (Girls Center)
Mam Sheila-----------------------Project Coordinator (Boys Center)
Mam Millet-----------------------OIC, Project Coordinator
Mam Rhoda Estinopo----------Psychotherapist (Center for Sexually Abused)
Mam Eresa Venzon-------------Psychotherapist (CSEC)
Mam Marlyn---------------------Paralegal Officer
Social workers:
Mam Terrence
Mam May
Mam Jessa
Mam Aileen





EDUCATIONAL
SETTING





DATE STARTED: AUGUST 6, 2013
DATE ENDED: SEPTEMBER 10, 2013




OLONGAPO CITY NATIONAL HIGH SCHOOL




THE SCHOOL PREMISE




Building A and B (SPA)


T.L.E.




MEDICAL and DENTAL CLINIC



SCIENCE BUILDING ENGLISH BUILDING



H.E. ROOMS MULTIPURPOSE HALL


FV BUILDING



QUADRANGLE


ADMINISTRATION BUILDING

PRINCIPALS OFFICE


The school has 11 curriculums:
BASIC EDUCATION CURRICULUM
SPECIAL SCIENCE CURRICULUM
INFORMATION AND COMMUNICATION TECHNOLOGY
SPECIAL PROGRAM FOR ARTS
SPECIAL EDUCATION PROGRAM
OPEN HIGH SCHOOL PROGRAM
SPECIAL PROGRAM FOR SPORTS
SPECIAL PROGRAM FOR JOURNALISM
ALIVE
INDIGENOUS PEOPLES PROGRAM
SPECIAL PROGRAM IN FOREIGN LANGUAGE


OPEN HIGH SCHOOL SPECIAL PROGRAM FOR JOURNALISM



INFORMATION AND COMMUNICATION TECHNOLOGY



SPED BULLETIN BOARDS

SPECIAL PROGRAM FOR ARTSACCOMPLISHMENTS


INDIGENOUS PEOPLES PROGRAM
THE GUIDANCE CENTER


MISSION:
To formulate and pursue an educational guidance program that shall be geared towards the
realization of guidance services which involve assistance to the individual in making as a
human being.
The guidance shall harness its clientele in developing lively individuality, significant interest
and a sense of social responsibility.
It shall accelerate the necessary flexibilities to meet and solve problems as they arise and
make correct interpretation of facts and adjustments.






VISION:
To respond adequately to the demands of school and division standards
To achieve these, the OCNHS Guidance Center, shall:
Adopt development plans and guidance services towards attaining academic and non-
academic excellence.
Forge collaborative relationship with teacher and students in the implementation of policies,
basis for setting disputes.
Meet the needs of OCNHS family.
PHILOSOPHY:
Formation and advancement of students as a whole can be attained by guidance services to
have as its purpose helping the individual to discover his needs, assess his potentialities,
gradually develop life goals, sense of responsibility that are individually satisfying and
socially desirable.
THE GUIDANCE STAFF

Me and Pauline, my co-practicumeer were the persons who designed this board under the
supervision of Mrs. Jho Navarro.
*Every year curriculum has a guidance staff headed by a Guidance coordinator in-charge.


Mr. Samuel Pascual-----------Grade 7
(GUIDANCE COUNSELOR I)
Sir Sam
Mr. Pascual taught me how to do a case study report. He let me interview the counselee to
know the profile and the cases of the students involve. During my interview with the child, I did
not show hesitation. I made the interview as a sister talk with the child as the child showed
shyness on answering the questions. The interview was done for almost an hour and I acquired
the information I have to get for the case study report. He also tackled the guidance services
they render, the confidentiality of the cases and how to be friends with your counselee. He
asked me a favor of keeping the confidentiality with the clients case study I have done so I was
not supposed to have a personal copy of the case study report. He applies the technique of
being friendly to the counselees as his counselees were too young (Grade 7) in manner of
reprimanding. He understands the transition period of the students, ages 12 to 14 years old.
He is 16 years in service as a guidance counselor in OCNHS.








Ms. Sherry S. Porcioncula--------Grade 8
(GUIDANCE COUNSELOR I)
Mam She
Ms. Porcioncula shared her experiences and knowledge on how to have a good heart. She
always makes things easier and happier. She is always in positive mood, humble and happy. In
times of counseling, she is serious in her responsibility as a guidance counselor. It is not boring
to hear her thoughts and learning because she is knowledgeable about it.
She is 5 years in service as a guidance counselor in OCNHS.


Mr. Edgar Magloyuan-------------3
rd
year
(GUIDANCE COUNSELOR I)
Sir Ed
Mr. Magloyuan gave me words of wisdom. He taught me the techniques of guidance and
counseling. He always talks about the things he knows. He shared his experiences as well as his
learning in life. He is vocal with his knowledge, and he really knows the thoughts he shares.
He is 19 years in service as a guidance counselor in OCNHS.




Mr. Ricardo Perez-----------------4
th
year
(GUIDANCE COUNSELOR III)
Sir Ric
Mr. Perez taught me how to do a School Based Management Monthly Report. He is not usual
of talking when not needed. He chooses a topic he is interested to talk about. I saw him being
a loving father to his only child as he brought the child in the office. He has a powerful voice
when he talks to someone and while during the counseling. He makes sure that the childs
statement is true and justifiable as he counsels the stubborn students of 4
th
year.



Mrs. Josefina P. Navarro
(OIC Guidance Coordinator III)
Mam Jho
Mrs. Navarro taught us many things. She showed me how to do a thesis of masters degree and
gave me hints on how to reach my goals. She does her job being of guidance coordinator. She
is a kind mother to her lovely daughters. She shared her experiences of being a loving mother
and a guidance coordinator at the same time. She is active, well-dedicated to her job and
knowledgeable on her duties and responsibilities. She gave me pieces of advice to pursue my
dreams and encouragements to have a stable job someday.

THE GUIDANCE SERVICES



A. Information
B. Counseling
C. Career Guidance
D. Seminar workshop
E. Referral
F. Testing/Evaluation
G. Placement
H. Follow-up


In school year 2011-2012, the guidance services offers orientation services, inventory services,
testing services and interpretations, counseling services, remedial and enrichment services and
vocational and career services.


THE GUIDANCE CENTER SERVICE PLEDGE
INFORMATION
SELF-INVENTORY
INVENTORY
COUNSELING
FOLLOW-UP
TESTING
TESTING ANALYSIS
CAREER
JOB PLACEMENT
RESEARCH
OTHERS
*COMMITTEE ON DECORUM AND INVESTIGATION
*AGREEMENT FORM
*REPORTS ON STUDENTS COMMITTED MISCONDUCT
*CAREER GUIDANCE
*CERTIFICATIONS
*CLEARANCE
*LETTER TO PARENTS
*PARENT/GUADIAN NOTARIZED AFFIDAVIT
*GRIEVANCE SWERVICES
*SCHOLARSHIOPS
*ROOM VISITATION
*REFERRAL OF DRUG CASES



LINKAGE/NETWORKING

*OFFICE OF THE CITY MAYOR
*CSWD
*LINGAP CENTER
*GOVERNMENT ORGANIZATIONS
*NON-GOVERNMENT ORGANIZATIONS
*TESDA
*OCARE
STUDENTS BEHAVIORAL POLICIES
1. SCHOOL DISCIPLINE
The OCNHS shall maintain discipline inside the school campus as well as outside the school
premises when students are engaged in activities authorized by the school.
a. IMPOSITION OF DISCIPLINARY ACTION
School officials and teachers shall have the right to impose appropriate disciplinary measure in
case of min or offenses or infractions of good discipline. However, no cruel or physically
harmful punishment shall be imposed against any student.

b. SUSPENSION/EXPULSION

c. Suspension for three days may be authorized by the principal without prior approval of
Division of Superintendent.

d. Parents must be in formed by the teacher thru guidance office or members of the
administration for which the disciplinary action is necessary.
For persistent offender or one guilty of a serious offense, a suspension for not more than one
year may be imposed subject to the approval of the Division of Superintendent.

e. Only DepEd Secretary can order suspension for a year or more or expulsion from school.
In all cases of suspension, a written promise of future exemplary conduct signed by class
adviser and countersigned by parent/guardian, noted by the guidance counselor and approved
by the principal shall be required as a condition for readmission and must be required in the
case of suspension for more than three days.
f. Offenses punishable by suspension or expulsion depending o the seriousness of the offense:
Gross misconduct
Theft, persistent cheating, forging of school records and assaulting of students.
Assaulting a teacher or school authority
Smoking inside the campus
Vandalism and destroying of school properties
First offense-replacement of the destroyed material
Second offense-considered undesirable and has to drop from the rolls of the school and not to
be readmitted w/o prior approval of the Superintendent.
Gambling
Drinking intoxicant and liquors
Carrying and concealing deadly weapons
Extortion or asking money from others
Using, possessing and selling prohibited drugs
Hazing in any manner, inside or outside the school premises
Immorality or sexual harassment
Instigating, leading or participating in concerted activities leading to stoppage of classes
Truancy or as used means absent without cause
Wearing of earrings among male students
Tardiness, improper uniform, no school ID, haircut, loitering, littering and highlighted
hair
g. The use of corporal punishment of teachers is strictly forbidden.
2. ATTENDANCES AND PUNCTUALITY
3. SCHOOL UNIFORM
4. CAMPUS SECURITY
5. STUDENT ATIVITIES
6. RIGHTS AND RESPONSIBILITIES OF STUDENTS
7. CITY ORDINANCES
THE GUIDANCE BULLETIN BOARD

The bulletin board is use to post the policies, rules and regulations of the institution. The
guidance services has a great concern for the betterment of the students, thats why the office
ensures that the students must be aware and abide the rules implemented by the institution.
In this way, the students can avoid to commit a simple mistake that may subject to a
disciplinary action.
FOR LEGAL ACTION

There are some serious cases that need a legal action. The cases that cannot be resolved in the
guidance office must be referred to the office concern


Tasks and activities I had accomplished:
Filed students records
Sorted of guidance cases per year curriculum
Assisted the guidance counselor during the counseling session
Discussed with the guidance counselor about the counseling techniques
Assisted the client during the counseling session
Did a monthly report of cases
Attended the national crime prevention week symposium(September 3, 2013)
Assisted the TESDA staffs in rendering Aptitude test
Rendered the Individual Inventory Report with selected 1
st
year students
Encoded data and reports in the guidance office
Interviewed 2 counselees in the guidance office
Did and submitted a case study report
I started my on-the-job training in this institution on August 5, 2013 and ended on September
10, 2013. I had finished my 150 hours requirement of training in the guidance center. It is my
privilege that I once became a part of the guidance family. It is very fulfilling that I had
finished the tasks given to me. At first, I was too shy and nervous. All I did is just smile and
nodded, but it was not hard for me to show my feelings because the guidance staffs were all
approachable. They taught me lot of things that are meaningful and useful for my career
growth and self-improvement.
This setting opened my mind in situational cases understanding. The two kinds of counseling
are applied in this guidance center: group counseling and individual counseling. It was easy
for me to do the tasks given to me because there are guidance counselors assigned in every
year curriculum.
During our vacant time, they allowed me to use the WIFI connection of the office and even
allowed me to have a break outside the school if I want. They never gave me overloaded
duties instead, offered and gave me snacks. I ate with them inside the office while talking
about life experiences. They always encouraged me to pursue what I wanted to be.
It is easy for me to accomplish the jobs they gave me because they always show positivity
and it is comfortable to ask questions to them because they never rejected me. I have no
regrets of spending my 150 hours of practicum in this office. I never felt bored working in the
office even in overtime hours.








INDUSTRIAL
SETTING



DATE STARTED: SEPTEMBER 17, 2013
DATE ENDED: OCTOBER 18, 2013









COOPERATIVE BANK OF ZAMBALES



MISSION:
To provide relevant financial products and services that shall uplift the socio-
economic condition of stakeholders and the community we serve.



VISION:
A model cooperative Bank with economically self-sufficient, socially responsible
and empowered members capable of harnessing resources for equitable
development.




A BRIEF HISTORY
OF
COOPERATIVE BANK OF ZAMBALES


Cooperative bank of Zambales is a unique bank registered with the Cooperative
Development Authority (CDA) as a cooperative, and with the Bangko Sentral ng
Pilipinas (BSP), as a bank under the rural banking system. Based in Iba, Zambales,
it started its commercial operation on January 30, 1995 soon after the BSP issued
a certificate of authority to the bank to operate as a cooperative bank pursuant to
Republic Act no. 6938 and Monetary Board resolution No. 776 issued on August
17, 1994. As a cooperative bank, the bank is under the supervision of the BSP in
collaboration with the CDA (CDA Reg. NO. QC-043-FCB).


The purpose of CBZ is to provide banking and credit services as well as to
individuals and/or the public in general. CBZ started its operation with only 64
cooperative-members shareholders. Together they contributed to the banks
initial paid-up capital of P1.25M in 1995. At the end of 2012, the number of
cooperative investors/shareholders has grown to 137 cooperatives bringing up
the banks paid-up capital to P7.28M. Its total resources have correspondingly
increased to P61.53M.





CBZ OFFICERS AND STAFFS:

Mrs. Maribel B. Sabio-------------------------------Manager
Mrs. Irma Carreon---------------------------------- Loans Office Manager
Mrs. Vennice Abangan---------------------------- Accountant
Miss Leila D. Rivera--------------------------------- Cashier
Mrs. Joanne D. Landicho-------------------------- Senior Teller
Miss Loirene Hilario-------------------------------- Accounting Clerk
Mr. Melanio Munoz-------------------------------- Teller
Mr. Argel Minor------------------------------------- Auditor
Mr.Ronnie Peconada------------------------------- Loans Officer
Mr.Neil Cayabyab----------------------------------- Administrative Personnel
Mr. Glenn Bueno------------------------------------ Administrative Officer/Secretary/IT
Mr. Crispin Landicho--------------------------------Senior Collector
Mr. Robert Abad------------------------------------ Senior Collector
Mr. Miguel Datugan-------------------------------- Security Officer
Mr. Ryan Macaspac---------------------------------Bank Assistant/Messenger




TASKS:


Assisting of clients in opening a bank account

Assisting of clients in filing loan

Assisting the loans department in filing the clients records of loan application

Filing of receipts in proof sheet

Sorting and filing of bank reconciliations

Encoding and filing of clients records

Book keeping/ filing and recording of cashiers check

Encoding an statement of account

Counting and sorting of money








PRODUCTS/SERVICES


TIME DEPOSIT RATES PER ANNUM
AMOUNT

31-90
DAYS
91-180
DAYS
181-365
DAYS
20,000-50,000 3.0% 3.25% 3.50%
50,000.01-100,000 3.25% 3.50% 3.75%
100,00.01-250,000 3.50% 3.75% 4.0%
250,000.01-500,000 3.75% 4.0% 4.25%
500,000.01-1 Million 4.0% 4.25% 4.5%
Over 1 Million 4.25% 4.5% 4.75%



SPECIAL SAVINGS DEPOSIT RATE PER ANNUM
AMOUNT

31-90
DAYS
91-180
DAYS
181-365
DAYS
20,000-50,000 2.0% 2.25% 2.5%
50,000.01-100,000 2.25% 2.5% 2.75%
100,00.01-250,000 2.5% 2.75% 3.0%
250,000.01-500,000 2.75% 3.0% 3.25%
500,000.01-1 Million 3.0% 3.25% 3.5%
Over 1 Million 3.25% 3.5% 3.75%


Note: Time deposit and Special savings Deposit may vary from time to time.
Savings Deposit rate- 1.0% per annum Insured with PDIC up to P500,000.00




LOAN PRODUCTS
COMMERCIAL/INDUSTRIAL LOAN
This credit facility is intended for small and medium scale entrepreneurs/individuals, member in
good standing of primary cooperatives and presently engaged into manufacturing services and
training businesses. Loans shall also be provided to finance trading activities, expansion of on-
going businesses and acquisition of fixed assets. The loan must be secured with Real Estate or
Chattel mortgage.
AGRICULTURAL LOAN
A credit facility for agricultural and other agri-business projects such as: crop production,
processing, fishing activities, marketing, farm mechanization and other support facilities.
MULTI-PURPOSE LOAN
This type of financing shall carter to individual borrowers or members of any registered primary
cooperatives to finance the trading activities, additional capital for on0going business ventures,
for providential purposes and other related projects.
PENSION LOAN
This is a credit facility intended for PVAO pensioners whose remittances are regularly received
thru the automated teller machine. Payments of amortization shall be automatically deducted
from the ATM or thru over the counter transactions with pre-signed withdrawal slips.
SALARY LOAN
This is a credit facility against salary offered to government officials, permanent/regular
employees of any government agencies or private organizations. This loan is unsecured, but
the private/government agency will be required to forge a Memorandum of Agreement (MOA)
with the CBZ wherein the terms and conditions relative to the payment/collection of loan
amortization shall be stipulated, i.e., automatically deducted from the honorarium, salaries and
other benefits by the concerned agency/organization.
BACK TO BACK LOAN
This is a credit facility which provides hold-out of savings or time deposits. Withdrawal of said
deposits will not be permitted until full payment of the loan.
Note: Interest rates may vary depending on the type of loan.

COOPERATIVE BANK OF ZAMBALES
Is a member of:

PHILIPPINE DEPOSIT INSURANCE CORPORATION
COOPERATIVE BANKS FEDERATION OF THE PHILIPPINES (BANGKOOP)
RURAL BANKERS ASSOCIATION OF THE PHILIPPINES (RBAP)
ZAMBALES ASSOCIATION OF RURAL BANKS INC. (ZARBI)
METRO SOUTH COOPERATIVE BANK


MEMBERSHIP BY PRIMARY COOPERATIVES & FEDERATION REQUIREMENTS

Board Resolution applying for membership
Photo copy of By-Laws
Photo copy of CDA Registration
Shares subscription at least 50 shares (1,000.00/share)
Minimum paid-up is 25% of the minimum subscribed shares of stocks and the
balance is payable within three years with plan of payment of P1,500.00 per
annum.
Membership fee of P1,000.00


BENEFITS OF STOCKHOLDERS

Dividend on investment
Elected as officers of the bank
Low interest on loans
Special benefits for member coops.



My experience in the bank:
As I started at my first day, I didnt feel nervous because some of the employees there are my
family friends and relatives. I knew them better before my o-j-t thats why I was comfortable
to mingle with them.
Before 9am, all employees and o-j-t are having a short prayer even if they have different
religions. There was a rotation of schedule in leading the prayer and even I was assigned for
the prayer once. I felt nervous but as the prayer goes on, it felt like God guided me to say the
appropriate words.
It was easy for me to do the duties they assigned to me because they are good persons. They
never made faces and untold negative comments on my job. If I had mistakes on my duties,
they told it on the right and professional manner. During the time of work, they are serious
with their own duties and responsibilities knowing that their job is risky which involves money.
But, during the break time, I can see them joking with each other and even involved me with
their funny jokes. It was so happy that after the stress of doing the paper works in money
matters they also tried to have a break. If they are eating, they also gave me foods for snack.
What is good about them is, they always bought foods for snacks and I was so blessed that I
was also counted with them for food accommodation.
I was so thankful that they gave me opportunity to show them my ability even if I am not an
accounting or business administration major. They believed me and didnt offend me.
I was assigned on interacting with the clients in opening an account in the bank. The manager
and administrative officer gave me the opportunity to interact with the client by assisting them
and even interviewing them about their business, job and sources of income. But not all the
time there are new clients so, I assisted on other areas of the setting.
This setting was not stressful but sensitive. It didnt involve narrative paper works but
computations, auditing, tallying and inventory of money records. I am happy that I finished my
job well done in Cooperative Bank of Zambales which is known to be a BANGKO NG MASA.