CONSO LOAN A member who has been in government service for at least 10 years can avail of a Conso-Loan equivalent

to 10 months of their monthly salary. The minimum creditable years in service a member has to have to qualify is 20 months, with the Conso-Loan proceeds equivalent to three months of his monthly salary. The gross loan amount shall be a multiple of the basic monthly salary (BMS), depending on the members accumulated record of creditable service (RCS), to wit: RCS (Record of Creditable Service) Less than 20 months 20 months or more 40 months or more 5 years or more 10 years or more Making life easier for availing members The GSIS offers you with an award system when availing of the Conso-Loan. The Conso-Loan is a consolidation of five different loan products into oneSalary Loan, Restructured Salary Loan, Enhanced Salary Loan, Emergency Loan Assistance, and Summer One-Month Salary Loan. By availing of the Conso-Loan, you automatically fully settle your obligations from these loans. You likewise receive an automatic condonation from the outstanding penalties or surcharges incurred from the abovementioned loans. Thus, the Conso-Loan provides you with the opportunity to restore your status as a member in good standing and lower your monthly amortization, especially if you are experiencing difficulty in paying your loans and have incurred arrears, penalties, and surcharges. The privilege of having the penalties condoned can be enjoyed only during the first availment of the Conso-Loan. The Conso-Loan is renewable as long as there are proceeds available. The loan is payable in six years. The loan will be charged a minimal rate of 12% based on diminishing balance. Who can avail of the Conso-Loan? 1. Active members with no pending administrative or criminal case are qualified to apply for the loan, provided their agency remitted at least 3 correct monthly premium payments (both personal and government share) within the last 6 months prior to the filing of the application. 2. Must not be on leave of absence without pay. 3. Members net take-home pay should be sufficient to cover the regular monthly amortization. Maximum Loan Amount None 3 BMS (Basic Monthly Salary) 4 BMS 7 BMS 10 BMS

4. Members from suspended agencies are not qualified to avail of the Conso-Loan. How can members apply for a Conso-Loan? Members with a GSIS eCard Plus can apply for the Conso-Loan via the GSIS Wireless Automated Processing System or G-W@PS kiosk placed in all GSIS servicing offices and select government agencies. Those still using the old eCard can apply for the loan, over-the-counter, in their servicing GSIS offices. To apply for a Conso-Loan loan using the kiosk, members need to first place their eCard Plus on the card reader of the kiosk. Then, they need to place any of their pre-selected fingers on the fingerprint biometric scanner of the kiosk. Using the touch screen monitor of the G-W@PS, members must select Consolidated Loan from the list of loans available on the loan menu and follow the simple instructions that will be displayed on the screen to complete the transaction. POLICY LOAN
Policy loan is a loan program which you can avail from your GSIS life insurance policy. There are two kinds of compulsory GSIS life insurance programs which are automatically granted to you the day you enter government service: the Enhanced Life Policy (ELP) and the Life Endowment Policy (LEP). ELP provides cover for you if you entered the service after July 31, 2003 . Members whose policies have matured will also be covered by ELP. The maximum loanable amount you can avail of under ELP is up to 90 percent of the accumulated termination value of this policy. On the other hand, LEP refers to the life insurance policy issued to you if you entered the service prior to August 1, 2003. The maximum loanable amount you can avail of under LEP is up to 50 percent of the accumulated termination value of this policy. You can choose to either pay your Policy Loan through monthly amortization or have it count against your existing life insurance policy contract. The Policy Loan bears an interest of 8% compounded annually.

How can a member apply for the Policy Loan? A member can apply for the Policy Loan using the GSIS Wireless Automated Processing System (G-W@PS) kiosk installed in all GSIS servicing offices and select government offices nationwide. Who are eligible to avail of the Policy Loan? A member who has been insured for at least one year may be granted the Policy Loan. The availing member must also have updated premium payments and has an active policy to be eligible under this loan product. Optional Policy Loan A member has an option to avail of an additional life insurance without any limit to his life insurance coverage. When availing of the Optional Policy Loan, a member can choose to either pay it through monthly amortization or have it count against his optional policy life contract.

EMERGENCY LOAN The Emergency Loan is payable in three years or 36 equal monthly installments at an interest rate of six percent per annum. If an emergency loan is renewed, the balance of the outstanding loan will be deducted from the proceeds of the new loan.

Who can avail of the Emergency Loan? To qualify for the emergency loan, the member-applicant must be: a bona fide resident or employee of the government office within the declared calamity area; be in active service and not on leave of absence without pay; has no pending criminal or administrative charges; has no arrearages in the payment of mandatory social insurance contributions; and has no loan that has been declared in default. For a calamity-hit area, it must be declared in a state of calamity by its Sangguniang Panlalawigan/Panglungsod and approved by the GSIS Board of Trustees before members working in government offices in the said area become eligible for the Emergency Loan. How can members apply for the Emergency Loan? Eligible members can avail of the Emergency Loan using their eCard Plus on any GSIS Wireless Automated Processing System (G-W@PS) kiosk installed in all GSIS servicing offices and in select government offices in different parts of the country. To apply for the Emergency Loan using the kiosk, a member needs to first place his eCard Plus on the card reader of the kiosk. Then, he needs to place any of his pre-selected fingers on the fingerprint biometric scanner of the kiosk. Using the touch screen monitor of the G-W@PS, a member must select "emergency loan" from the list of loans available on the loan menu and follow the simple instructions that will be displayed on the screen to complete the transaction. Eligible members can also apply for the Emergency Loan through over-the-counter (OTC) application to be filed in GSIS offices covering the abovementioned calamity-declared areas. To apply for the emergency loan via OTC, eligible members have to accomplish an application form. A tentative computation of their loan proceeds and monthly amortization will also be shown to member-applicants when they apply via G-W@PS kiosk or OTC.

GSIS offers Moratorium for Yolanda-hit members and pensioners GSIS raises emergency loan credit limit to 40K, waives renewal req't for quake-hit victims in Bohol, Cebu
LIFE INSURANCE
One of the many benefits of being a GSIS member is life insurance. GSIS gives you and your loved ones that much needed peace of mind. GSIS has two insurance programs available:

Enhanced Life Policy

The GSIS provides life insurance coverage to you, GSIS member, even the very first day you entered government service after receipt of payment of the 1st monthly premium.

If you entered the government service after July 31, 2003, you are automatically covered with an Enhanced Life Policy (ELP). Members whose policies have matured will also be covered by the ELP.

Life Endowment Policy

As a GSIS member, you automatically enjoy life insurance benefits, providing protection for you and your loved ones. If you entered the service prior to August 1, 2003, you are entitled to the Life Endowment Policy (LEP). LEP also provides coverage against death whether due to natural or accidental causes, permanent total disability and other benefits upon maturity or separation from the service. Apart from the superior life insurance packages these programs offer, policy holders can also avail of policy loan.

Policy Loan
Policy loan is a loan program which you can avail from your GSIS life insurance policy. The unique features of the Policy Loan are: (a) payment is not mandatory (unlike other GSIS loan products) and (b) it is renewable every year.

Enhanced Life Policy (ELP)

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The ELP seeks to enhance the death benefits of your family and, at the same time, to simplify the administration of the compulsory life insurance component of the GSIS benefit program. What are the features of the ELP? The insurance coverage shall be a yearly term renewable life insurance cover based on your fixed monthly compensation. The policy shall have neither a maturity value nor fixed insurance cover. The computation of insurance cover shall be based solely on your annual compensation while you are in government service, multiplied by a predetermined amount of insurance (AOI) factor. Your age and length of service will no longer be a factor in determining the amount of your insurance coverage. The ELP will also earn cash value in the form of termination value, which you can withdraw upon separation or retirement and shall be the basis of your yearly cash dividends and policy loan. An automatic premium loan (APL) facility secured against the policys termin ation value shall also be provided to answer for nonpayment of premiums. The ELP may lapse if no payment of premiums is effected within a prescribed period but may automatically be reinstated or reissued without the need to issue a new policy once you resume payment.

Who are covered by the ELP? You are covered by the ELP if you are: A government employee who entered the service after July 31, 2003, and are hence eligible for GSIS regular membership under RA 8291. An existing regular GSIS member who will opt to convert your existing LEP into ELP. An existing regular GSIS member whose LEP lapsed by reason of nonpayment of life insurance premiums and whose policy matured on or after August 1, 2003. You will be issued the ELP if you continue to be in active service. What is the effectivity date of the ELP cover? If you are a newly appointed government employee, the effectivity date of cover shall be the date of appointment. If you are an employee whose policy matured on or after August 1, 2003, the date of cover shall be the day following the date of maturity of your LEP. If you are an employee who opts to convert from LEP to ELP, the date of cover shall be the GSIS approval of the conversion. What is the evidence of your coverage under the ELP? As a member covered under the ELP, you shall be issued a certificate of insurance policy (CIP) with your GSIS ID number as the reference number. Only one policy certificate shall be issued during your lifetime. Who are your beneficiaries under the ELP? In the event of your death, the proceeds of your life insurance coverage shall be distributed in accordance with the provisions on intestate succession of the Civil Code and in the order of the following beneficiaries: Primary beneficiaries: Legal spouse and legitimate children In the absence of primary beneficiaries: The acknowledged natural children and surviving ascendants. In the absence of the above relatives: The relatives within the fourth degree of consanguinity. How is your death benefit computed under the ELP? Your death benefit shall be computed based on your last monthly salary immediately preceding your death and to which salary the corresponding life insurance premiums were paid and remitted to the GSIS.

How much is the termination value earned under the ELP? The termination value earned under the policy shall be equivalent to 25% for every monthly life Insurance premiums that have been paid in full, either by direct remittance or through an automatic premium loan (APL). The accumulated termination value shall increase at such rates as may be computed by actuary.

Life Endowment Policy ( LEP )

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Who are members under LEP?

All employees who entered government service prior to August 1, 2003 and receiving monthly compensation irrespective of employment status and who have not reached the mandatory retirement age.

Members of the Judiciary and its equivalent rank and the Constitutional Commissioners who entered government service prior to and after August 1, 2003. Age bracket The type of insurance plans issued to members depends on the age nearest the members birthday at the time of effectivity, as follows: Age Bracket 30 years and below 31 years to 40 41 years to 59 60 years and over Benefits Maturity benefit - As defined in the policy contract, this benefit is payable upon maturity of the endowment policy and is equivalent to the original amount of insurance plus the supplementary/ies added to the original amount of insurance. Outstanding balances in the members policy loan and automatic premium loan will be deducted from the proceeds. Surrender benefit - The amount to be paid is the cash value of the policy at the time of separation less all indebtedness of the member. Plan of Insurance Endowment at 45 Endowment at 55 Endowment at 65 Ordinary Life

Death benefit - This is equivalent the total amount of insurance (original plus supplementaries) less total indebtedness shall be paid to the designated beneficiaries or legal heirs as the case may be. Policy Loan - A member who has paid more than 1 years premium contributions shall be entitled to avail of the policy loan up to 50% of the earned Cash Value subject to interest of 8% per annum compounded monthly and renewable yearly. Dividends - A policyholder whose policy has been in force for at least one year is may receive dividends as may be determined by the Actuary and approved by the Board.

GSIS Officials
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GSIS Officials Name Designation/Position Email Telephone Number/s 976-4453

Vergara, Robert Garcia

President and General Manager and Vice Chairman, Board of Trustees Senior Vice President

Office of the President and General Manager

rgvergara@gsis.gov.ph

Bocanegra, Gracita Gilda Valenzuela

Office of the Senior Vice President, Financial Management Group Office of the Senior Vice President, Controller Group Office of the Senior Vice President, Corporate Services Group Office of the Senior Vice President, Vismin Group

ggvbocanegra@gsis.gov.ph

859-0350

Briones, Aida Comia

Senior Vice President

acbriones@gsis.gov.ph

479-3568

De GuzmanBuensalida, Racquel Del Rosario

Senior Vice President

rdgbuensalida@gsis.gov.ph

479-3613

Ebdane Jr, Dionisio Chan

Senior Vice President

dcebdane@gsis.gov.ph

976-4621

Evangelista, Juan Philip Serapio

Chief Information Officer

Office of the Chief Information Officer, Information Technology Services Group Office of the Senior Vice President, NCR Group Office of the Chief Of Staff, Office of the President And General Manager And Vice Chairman, Board Of Trustees Office of the Senior Vice President, Insurance Group Office of the Corporate Secretary, Board Of Trustees Office of the Senior Vice President, Actuarial And Risk Management Group Office of the Senior Vice

jpsevangelista@gsis.gov.ph

976-4633

Feleo, Cecil Lacsamana

Senior Vice President

clfeleo@gsis.gov.ph

976-4689

Jota, Gloria Georgina Dar Juan

Chief of Staff

ggdjjota@gsis.gov.ph

479-3651

Palanca, Maria Obdulia Vitug

Senior Vice President

movpalanca@gsis.gov.ph

479-3510

Raagas, Maria Theresa Abesamis

Corporate Secretary

mtaraagas@gsis.gov.ph

479-3693

Resurreccion, Severina Librea

Senior Vice President

slresurreccion@gsis.gov.ph

976-4658

Tale, Jose Tiangco

Senior Vice President

jttale@gsis.gov.ph

479-3570

President,Legal Services Group Saludares, Nora Malubay Senior Vice President Office of the Senior Vice President, Luzon Group Office of the Vice President, NCR Area II, NCR Group Office of the Vice President, NCR Area I, NCR Group Office of the Vice President, Mindanao Office, Vismin Group Office of the Vice President, Application Management Office, Information Technology Services Group Office of the Vice President, Risk Management Office, Actuarial And Risk Management Group Corporate Affairs Technical Staff, nmsaludares@gsis.gov.ph 859-0224

Banares, Erlinda Dabu

Vice President

edbanares@gsis.gov.ph

976-4642

Valencerina, Ella Enriquez

Vice President

eevallencerina@gsis.gov.ph

479-3652

Dorado, Lourdes Cajayon

Vice President

lcdorado@gsis.gov.ph

479-3554

Bengo, Jean Rusela Apilat

IT Officer V

jrabengo@gsis.gov.ph

976-4917

Yu Jr, Lucio Lao

Vice President

llyu@gsis.gov.ph

976-4624

Marquez, Valerie

Vice President

vkmarquez@gsis.gov.ph

479-3532

Katigbak

Office of the Chief Of Staff, Office of the President And General Manager And Vice Chairman, Board Of Trustees Vice President Office of the Vice President, General Services Office, Corporate Services Group Office of the Vice President, Fi Systems Maintenance And Other Accounting Services Office, Controller Group Office of the Vice President, Human Resources Office, Corporate Services Group Office of the Vice President, Luzon South Office, Luzon Group Information Security Office, Actuarial And Risk Management Group dfbsamonte@gsis.gov.ph 976-4659

Samonte, Donna Fay Baptista

Ang, Manuel Pasinoble

Vice President

mpang@gsis.gov.ph

976-4603

Tirados, Christine Factoran

Vice President

cftirados@gsis.gov.ph

479-3655

Andres, Joseph Philip Torres

Vice President

jptandres@gsis.gov.ph

479-3522

Pineda, Jonathan Canlas

Chief Information Security Officer

jcpineda@gsis.gov.ph

976-4914

Maitim, Josefina Castro

Officer V

Office Of Chairman Daniel L. Lacson, Jr, Board Of Trustees Office of the Vice President, Corporate Communications Office, Corporate Services Group Frontline Services Technical Staff, Office of the Chief Of Staff, Office of the President And General Manager And Vice Chairman, Board Of Trustees Legal Affairs Technical Staff, Office of the Chief Of Staff, Office of the President And General Manager And Vice Chairman, Board Of Trustees Office of the Vice President, Real Estate Asset Disposition And Management Office, Financial

jcmaitim@gsis.gov.ph

479-3592

Jorillo, Margie Arcega

Vice President

majorillo@gsis.gov.ph

479-3649

Gan, Giovanni Guevarra

Vice President

ecperez@gsis.gov.ph

479-3650

Perez, Neil Edwin Cariaga

Vice President

ecperez@gsis.gov.ph

479-3650

Escarez, Apollo Magboo

Vice President

amescarez@gsis.gov.ph

479-3665

Management Group Fernandez, Eduardo Villanueva Vice President Office of the Vice President , Luzon North Office, Luzon Group Office of the Vice President, Visayas Office, Vismin Group Office of the Vice President, Internal Audit Services Office Office of the Senior Vice President, Financial Management Group Laguna Branch Office, Luzon South Office, Luzon Group Quezon City Branch Office, NCR Area I, NCR Group Naga Branch Office, Luzon South Office, Luzon Group Cebu Branch Office, Visayas evfernandez@gsis.gov.ph 976-4954

Mate, Salvacion Punsalan

Vice President

spmate@gsis.gov.ph

976-4698

Bautista, Juliet Mindanao

Vice President

jmbautista@gsis.gov.ph

859-0229

Barrera, Ricardo Verzosa

Vice President

rvbarrera@gsis.gov.ph

976-4645

Ferreras, Celeste Encinas

Branch Manager

ceferreras@gsis.gov.ph

976-4164

Pureza, Lolita Mediana

Branch Manager

lmpureza@gsis.gov.ph

976-4165

Abao, Josefina Bagalay

Branch Manager

jbabao@gsis.gov.ph

976-4180

Alvarez, Ma Fatima

Branch Manager

mfralvarez@gsis.gov.ph

976-4156

Rivamonte

Office, Vismin Group Branch Manager Batangas Branch Office, Luzon South Office, Luzon Group General Santos Branch Office, Mindanao Office, Vismin Group Bacolod Branch Office, Visayas Office, Vismin Group Dagupan Branch Office, Luzon North Office, Luzon Group Cabanatuan Branch Office, Luzon North Office, Luzon Group Cagayan De Oro Branch Office, Mindanao Office, Vismin Group Iloilo Branch Office, Visayas Office, Vismin Group Dumaguete Branch Office, Visayas Office, iidimaano@gsis.gov.ph 976-4150

Dimaano, Ireen Ibanez

Manampan, Deity Uday

Branch Manager

dumanampan@gsis.gov.ph

976-4168

Fuentes, Ma Vilma Ladrera

Branch Manager

mvlfuentes@gsis.gov.ph

976-4158

Roldan Sr, Joselito Cubas

Branch Manager

jcroldan@gsis.gov.ph

976-4143

Teng, Jason Chua

Branch Manager

jcteng@gsis.gov.ph

976-4147

Vega, Ma Cecilia Guerra

Branch Manager

mcgvega@gsis.gov.ph

976-4162

Gregorio, Eleanor Drilon

Branch Manager

edgregorio@gsis.gov.ph

976-4159

Enriquez, Mercedes Victoria

Branch Manager

mvpeenriquez@gsis.gov.ph

976-4163

Escuadro Gutierrez, Sonia Bringas Branch Manager

Vismin Group Kidapawan Branch Office, Mindanao Office, Vismin Group Pagadian Branch Office, Mindanao Office, Vismin Group Cotabato Branch Office, Mindanao Office, Vismin Group Bataan Branch Office, Luzon North Office, Luzon Group Malaybalay Branch Office, Mindanao Office, Vismin Group Bayombong Branch Office, Luzon North Office, Luzon Group Roxas Branch Office, Visayas Office, Vismin Group Sorsogon Branch Office, Luzon South Office, Luzon Group sbgutierrez@gsis.gov.ph 976-4178

Manuel, Leoncito Siose

Branch Manager

lsmanuel@gsis.gov.ph

976-4149

Mendoza, Rosalinda Gana

Branch Manager

rgmendoza@gsis.gov.ph

976-4175

Meneses, Roberto Lamadrid

Branch Manager

rlmeneses@gsis.gov.ph

976-4177

Casicas, Erwin Elmidor

Branch Manager

eecasicas@gsis.gov.ph

976-4195

Chommog, Maybelle Bandonill

Branch Manager

mbchommog@gsis.gov.ph

976-4145

Dublas, Glorietta Buenvenida

Branch Manager

gbdublas@gsis.gov.ph

976-4181

Fajardo, Leon Ma Espinola

Branch Manager

lmefajardo@gsis.gov.ph

976-4161

Orcullo, Sol Ambe

Branch Manager

Catbalogan Branch Office, Visayas Office, Vismin Group Palawan Branch Office, Luzon South Office, Luzon Group Tarlac Branch Office, Luzon North Office, Luzon Group Tacloban Regional Office, Visayas Office, Vismin Group Lucena Branch Office, Luzon South Office, Luzon Group Tuguegarao Branch Office, Luzon North Office, Luzon Group Tagum Branch Office, Mindanao Office, Vismin Group Baguio Branch Office, Luzon North Office, Luzon Group Laoag Branch

saorcullo@gsis.gov.ph

976-4174

Ignacio, Marina Java

Branch Manager

mjignacio@gsis.gov.ph

976-4157

Villanueva, Arlene Magtanong

Branch Manager

amvillanueva@gsis.gov.ph

976-4172

Cinco, Rene Chavez

Acting Branch Manager

rccinco@gsis.gov.ph

976-4151

Peraz-Corpuz, Marivel Bermudez

Acting Branch Manager

mbperazcorpuz@gsis.gov.ph

976-4153

Seno, Eden Paronda

Acting Branch Manager

epseno@gsis.gov.ph

976-4160

Bata, Marciana Miranda

Acting Branch Manager

mmbata@gsis.gov.ph

976-4167

Del Rosario, Isagani Esguerra

Acting Branch Manager

iedelrosario@gsis.gov.ph

976-4169

Guerrero Jr,

Acting

saguerrero@gsis.gov.ph

976-4173

Sotero Aquino

Branch Manager

Office, Luzon North Office, Luzon Group Dipolog Branch Office, Mindanao Office, Vismin Group Bulacan Branch Office, Luzon North Office, Luzon Group Butuan Branch Office, Mindanao Office, Vismin Group Pampanga Branch Office, Luzon North Office, Luzon Group Davao Branch Office, Mindanao Office, Vismin Group Maasin Branch Office, Visayas Office, Vismin Group Surigao Branch Office, Mindanao Office, Vismin Group Bohol Branch Office, Visayas wgmangubat@gsis.gov.ph 976-4182

Mangubat, Willa Guantero

Acting Branch Manager

Ong, Maria Carmencita Morales

Acting Branch Manager

cmong@gsis.gov.ph

976-4113

Talita, Belen Espino

Acting Branch Manager

betalita@gsis.gov.ph

976-4179

Santos, Araceli Abenojar

Acting Branch Manager

aasantos@gsis.gov.ph

976-4171

Aquino, Bai Cerynea Biruar

Acting Branch Manager

bcbaquino@gsis.gov.ph

976-4166

Ponay Jr, Igmidio Fructuoso

Acting Branch Manager

ifponay@gsis.gov.ph

976-4176

Lozarie, Eldie Pendon

Acting Branch Manager

eplozarie@gsis.gov.ph

976-4170

Rada, Grace Paul

Acting Branch

gprada@gsis.gov.ph

976-4154

Manager

Office, Vismin Group Legazpi Branch Office, Luzon South Office, Luzon Group La Union Branch Office, Luzon North Office, Luzon Group Cauayan Branch Office, Luzon North Office, Luzon Group Iligan Branch Office, Mindanao Office, Vismin Group Acting Branch Manager, Zamboanga Branch Office pasisabel@gsis.gov.ph 976-4148

Sta Isabel, Purisima Alvarez

Acting Branch Manager

Banez, Quintin Singson

Acting Branch Manager

qsbanez@gsis.gov.ph

976-4146

Beltran, Rolando Adarme

Acting Branch Manager

rabeltran@gsis.gov.ph

976-4144

Arumpac, Alexis Dapiosen

Acting Branch Manager

adarumpac@gsis.gov.ph

976-4155

Cruz, Eddie Aguilar

Acting Branch Manager

eacruz@gsis.gov.ph

976-4152