Filinvest is one of the top residential property developers in the country. Over the years, it has established itself as a leader in residential housing development especially in its core business of affordable and middle-income housing.From its first middle-income residential subdivision in Cebu, Filinvest never looked back, expanding steadily into various locations where there was a need. Today, Filinvest is a full-range property developer with an impressive portfolio scattered all over the archipelago. From building houses, the company has diversified into high-rise condominiums, medium-rise developments, BPO office buildings, shopping centers and leisure developments. Filinvest is the developer behind successful projects such as the 52-storey PBCom Tower which is the tallest office building in the country, premier outsourcing hub Northgate Cyberzone in Alabang, and the sprawling Festival Supermall which remains the undisputed regional shopping center south of Metro Manila. For the high-end market, Filinvest created the exclusive Brentville community in Laguna which is home to Brent International School and a growing multi-cultural residential population.The company likewise strives to constantly introduce innovative concepts such as the Spatial condo series, all-studio condominiums for yuppies, oasis-themed mid-rise enclaves, Versaflat units that merge home and office, and more, to tap new markets with huge growth potential.

About FilinvestThe name Filinvest has become synonymous with property development. From humble beginnings over half a century ago, it has diversified into a leading full-range propertyFilinvestOffice developer with strategic interests in high-growth industries.Filinvest Development Corporation (FDC), the holding company of the Filinvest Group, traces its origins to the consumer finance business established by Andrew L. Gotianun, Sr. and his family in 1955. Today, FDC is one of the Philippines’ leading conglomerates, with interests in real estate development and leasing, banking and financial services, hotel and resort management, power generation, and the sugar industry. FDC entered the real estate business in 1967 and since then, has proven its mettle in a diverse range of real estate developments: residential subdivisions, shopping centers, central business districts, mid-rise and high-rise offices and condominiums, recreational farms, industrial estates, leisure clubs and information technology zones. – covering more than 2,350 hectares of land. Driven by its commitment to building the Filipino dream, Filinvest has built homes for over 135,000 families. With each new endeavor, the company continues to fulfill Filipino dreams, making it possible for more Filipinos to acquire their first home, a lasting legacy or their most desired lifestyle.

Property Development SubsidiariesFILINVEST LAND, INC.

Filinvest Land, Inc. (FLI) is one of the top residential property developers in the country. Over the years, it has established itself as a leader in residential housing development especially in its core business of affordable and middle-income housing. From its first middle-income residential subdivision in Cebu, FLI never looked back, expanding steadily into various locations where there was a need. Today, FLI is a full-range property developer with an impressive portfolio scattered all over the archipelago. From building houses, the company has diversified into high-rise condominiums, medium-rise developments, BPO office buildings, shopping centers and leisure developments. FLI is the developer behind successful projects such as the 52-storey PBCom Tower which is the tallest office building in the country, premier outsourcing hub Northgate Cyberzone in Alabang, and the sprawling Festival Supermall which remains the undisputed regional shopping center south of Metro Manila. For the high-end market, FLI created the exclusive Brentville community in Laguna which is home to Brent International School and a growing multi-cultural residential population.The company likewise strives to constantly introduce innovative concepts such as the Asenso Village entrepreneurial community, all-studio condominiums for yuppies, oasis-themed mid-rise enclaves, Versaflat units that merge home and office, and more, to tap new markets with huge growth potential.

FILINVEST ALABANG, INC. Filinvest Alabang, Inc. (FAI) was incorporated on August 25, 1993 in connection with the development of Filinvest City in Alabang, a joint venture with the government’s Public Estates Authority. FAI is 80% owned by FDC and 20% owned by FLI. Filinvest City sprawls over an expansive 244 hectares of prime property in Alabang. It is master-planned to be competitive with the world’s most modern cities.skyline-2 Divided into districts to provide a balanced mix of developments, Filinvest City is a new benchmark in urban center development – delivering its envisioned growth for the neighboring locale and confirming it as a catalyst of progress for the entire Metro Manila. The city’s multidimensional character gives it a competitive advantage, owing to these characteristics that uniquely make up the dynamism that is now Filinvest City. Preferred CBD – Filinvest City’s energized and business-friendly environment continues to attract large multinational and local corporations, and leading BPO firms. Mod Metropolis – Round-the-clock amenities create a cosmopolitan lifestyle where life’s pleasures and necessities are always within reach. Garden City – Harmonizing modernity with nature, Filinvest City features tree-lined avenues and refreshing linear greenbelts, making the city a veritable pedestrian’s paradise.

Convergence Hub – The Skyway from Makati leads straight to Filinvest City, giving it unparalleled accessibility. It is also a convenient take-off point to business and leisure destinations in the Calabarzon area. Convergence, however, now takes on a different meaning at Filinvest City as it is now pertains to an exciting merging of different lifestyles, a melting pot of cultures, a meeting of minds, a haven of different activities, and ultimately, a convergence of many possibilities.

Filinvest Development Corporation (FDC)The singular vision that guides Filinvest in all its development efforts is its commitment to building the Filipino dream. Whatever a Filipino family’s dream may be, Filinvest can build it. From a first home, a lasting legacy, to a desired lifestyle, the company caters to the need of every Filipino, whoever he may be.•50 years in the business and one of the country’s leading real estate developers•Developed over 2,000 hectares of land and more than 600,000 square meters of prime office, residential, and retail spaces•With assets valued at Php 131.5 billion and stockholders’ equity of Php 59.68 billion•Built on the Gotianun tradition of integrity, quality, and service With a diverse property portfolio catering to all markets – from its core best-value homes to premier communities and townships, retail and commercial establishments, offices and business parks, condominiums and leisure developments.

Filinvest Alabang, Inc.Filinvest Alabang, Inc. (FAI) was incorporated on August 25, 1993 in connection with the joint development of Filinvest City in Alabang with the Government.FAI is 80% owned by FDC and 20% owned by FLI. FAI focuses specifically on the development of mixed-use urban developments in Metro Manila, particularly the 244-hectare Filinvest City. FAI uses modern, ecological urban planning and design in its continued development of this mega-CBD.Filinvest City is an integrated development that mixes office, retail, residential and leisure components in a complementary manner and provides for a balance of recurring rental income from office and retail rental and residential sales income. Filinvest City is being developed pursuant to a joint venture agreement between the Government and FAI. Under the joint venture agreement, FAI retains a 74% interest in the development.

Filinvest. We build the Filipino dreamHISTORYIt all began in 1995. An ambitious endeavor to transform the underutilized Alabang Stock Farm into a model of urban development.

Our vision for Filinvest City is a total and complete environment conducive to meeting the demands of the new global business setting, enriching the lives of those working and residing in the city, and inspiring new generations to come Andrew L. Gotianun, Sr. Chairman Emeritus Filinvest Development Corporation

AN ALL-IN-ONE MASTER PLANNED urban development. Not just a promise but all existing and standing across a vast Filinvest skyline.

HARMONIZING MODERNITY WITH NATUREFilinvest City (FC) sprawls over an expansive 244 hectares of prime property in Alabang, Muntinlupa. Envisioned to be competitive with the world's most modern cities, it is a fully integrated and self-contained community, divided into districts to provide a balanced mix of developments. Filinvest City is a residential haven, business central, leisure destination, learning and education zone, and medical and wellness hub, all in a visionary township harmonizing modernity with nature.AN URBAN GET-AWAYFilinvest City is the preferred central business district in Metro Manila yet by itself is an urban get-away, with its lush, green landscaping free from the noise of the modern city as we know it. It is at the gateway of growth corridors, North and South, and is highly accessible:Located just 10km away from NAIALeisurely 15 mins drive away from MakatiWith various access roads leading to Filinvest City:South Luzon Expressway (SLEX)Skyway: with entry and exit points situated with Filinvest CityAlabang-Zapote RoadOld National HighwayDaanghari

ENDLESS POSSIBILITIESSince the start of its development in 1995, Filinvest City has been the catalyst transforming life in the South and beyond. Today, it continues to bring together a happy and vibrant lifestyle amid the garden city.

This is where aspects of work-life balance find an axis, set against natural setting. It is all about convergence, bringing together endless possibilities one can only find here in Filinvest City. Inspiring Possibilities.

What is Cooperative?

A cooperative is an autonomous and duly registered association of persons, with a common bond of interest, who have voluntarily joined together to achieve their social, economic and cultural needs and aspirations by making equitable contributions to the capital required, patronizing their products and services and accepting a fair share of risks and benefits of the undertaking in accordance with the universally accepted cooperative principles.

What are the objectives and goals of a Cooperatives?

The primary objective of every cooperative is to help improve the quality of life of its members. Towards this end, the cooperative shall aim to:

(a) Provide goods and services to its members to enable them to attain increased income, savings, investments, productivity, and purchasing power, and promote among themselves equitable distribution of net surplus through maximum utilization of economies of scale, cost-sharing and risk-sharing;

(b) Provide optimum social and economic benefits to its members;

(c) Teach them efficient ways of doing things in a cooperative manner;

(d) Propagate cooperative practices and new ideas in business and management;

(e) Allow the lower income and less privileged groups to increase their ownership in the wealth of the nation; and

(f) Cooperate with the government, other cooperatives and people-oriented organizations to further the attainment of any of the foregoing objectives.

What are the types of Cooperatives?

Cooperatives may fall under any of the following types:

(a) Credit Cooperative: is one that promotes and undertakes savings and lending services among its members. It generates a common pool of funds in order to provide financial assistance and other related financial services to its members for productive and provident purposes;

(b) Consumer Cooperative: is one the primary purpose of which is to procure and distribute commodities to members and non-members;

(c) Producers Cooperative: is one that undertakes joint production whether agricultural or industrial. It is formed and operated by its members to undertake the production and processing of raw materials or goods produced by its members into finished or processed products for sale by the cooperative to its members and non-members. Any end product or its derivative arising from the raw materials produced by its members, sold

in the name of and for the account of the cooperative, shall be deemed a product of the cooperative and its members;

(d) Marketing Cooperative: is one which engages in the supply of production inputs to members and markets their products;

(e) Service Cooperative : is one which engages in medical and dental care, hospitalization, transportation, insurance, housing, labor, electric light and power, communication, professional and other services;

(f) Multi-Purpose Cooperative: combines two (2) or more of the business activities of these different types of cooperatives;

(g) Advocacy Cooperative: is a primary cooperative which promotes and advocates cooperativism among its members and the public through socially-oriented projects, education and training, research and communication, and other similar activities to reach out to its intended beneficiaries;

(h) Agrarian Reform Cooperative : is one organized by marginal farmers majority of which are agrarian reform beneficiaries for the purpose of developing an appropriate system of land tenure, land development, land consolidation or land management in areas covered by agrarian reform;

(i) Cooperative Bank: is one organized for the primary purpose of providing a wide range of financial services to cooperatives and their members;

(J) Dairy Cooperative: is one whose members are engaged in the production of fresh milk which may be processed and/or marketed as dairy products;

(k) Education Cooperative : is one organized for the primary purpose of owning and operating licensed educational institutions, notwithstanding the provisions of Republic Act No.9155, otherwise known as the Governance of Basic Education Act of 2001;

(l) Electric Cooperative : is one organized for the primary purpose of undertaking power generation, utilizing renewable sources, including hybrid systems, acquisition and operation of sub transmission or distribution to its household members;

(m) Financial Service Cooperative: is one organized for the primary purpose of engaging in savings and credit services and other financial services;

(n) Fishermen Cooperative: is one organized by marginalized fishermen in localities whose products are marketed either as fresh or processed products;

(o) Health Services Cooperative: is one organized for the primary purpose of providing medical, dental, and other health services;

(p) Housing Cooperative: is one organized to assist or provide access to housing for the benefit of its regular members who actively participate in the savings program for housing. It is co-owned and controlled by its members;

(q) Insurance Cooperative: is one engaged in the business of insuring life and property of cooperatives and their members;

(r) Transport Cooperative : is one which includes land and sea transportation, limited to small vessels, as defined or classified under the Philippine maritime laws, organized under the provisions of RA 9520;

(s) Water Service Cooperative: is one organized to own, operate and manage waters systems for the provision and distribution of potable water for its members and their households;

(t) Workers Cooperative: is one organized by workers, including the self-employed, who are at the same time the members and owners of the enterprise. Its principal purpose is to provide employment and business opportunities to its members and manage it in accordance with cooperative principles; and

(u) Other types of Cooperatives: as may be determined by the Authority.

What are the categories of Cooperatives?

Cooperative shall be categorized according to membership and territorial consideration. In terms of membership, cooperatives shall be categorized into:

Primary-the members of which are natural persons.

Secondary-the members of which are primaries.

Tertiary-the members of which are secondary cooperatives.

Thus, those with cooperative memberships are considered federations or unions as the case may be. In terms of territory, cooperatives shall be categorized according to areas of operation which may or may not coincide with the political subdivisions of the country. Those organized by minors shall be considered a laboratory cooperative and must be affiliated with a registered cooperative. It is governed by special guidelines promulgated by the CDA.

Who can be Members of a Cooperative?

A cooperative has two kinds of members: regular members and associate members.

A regular member is one who has complied with all the membership requirements and entitled to all the rights and privileges of membership as stated in the Cooperative Code and the cooperative by laws.

An associate member has no right to vote and be voted upon and is entitled only to such rights and privileges provided by the cooperative's by laws.

What are the Privileges of a Cooperative?

Cooperative registered under R.A. 9520 can enjoy the following privileges:

(1) Cooperatives shall enjoy the privilege of depositing their sealed cash boxes or containers, documents or any valuable papers in the safes of the municipal or city treasurers and other government offices free of charge, and the custodian of such articles shall issue a receipt acknowledging the articles received duly witnessed by another person;

(2) Cooperatives organized among government employees, notwithstanding any law or regulation to the contrary, shall enjoy the free use of any available space in their agency, whether owned or rented by the Government;

(3) Cooperatives rendering special types of services and facilities such as cold storage, ice plant, electricity, transportation, and similar services and facilities shall secure a franchise therefor, and such cooperatives shall open their membership to all persons qualified in their areas of operation;

(4) In areas where appropriate cooperatives exist the preferential right to supply government institutions and agencies rice, corn and other grains, fish and other marine products meat, eggs, milk, vegetables, tobacco and other agricultural commodities produced by their members shall be granted to the cooperatives concerned;

(5) Preferential treatment in the allocation of fertilizers and in rice distribution shall be granted to cooperatives by the appropriate government agencies;

(6) Preferential and equitable treatment in the allocation or control of bottomries of commercial shipping vessels in connection with the shipment of goods and products of cooperatives;

(7) Cooperatives and their federations, such as market vendor cooperatives, shall have preferential rights in management of public markets and/or lease of public market facilities, stall or spaces;

(8) Credit cooperatives and/or federations shall be entitled to loans, credit lines, rediscounting of their loan notes, and other eligible papers with the Development Bank of the Philippines, the Philippine National Bank, the Land Bank of the Philippines and other financial institutions except the Central Bank of the Philippines;

(9) Cooperatives transacting business with the Government of the Philippines or any of its political subdivisions or any of its agencies or instrumentalities, including government-owned and controlled corporations shall be exempt from pre-qualification bidding requirements; and

(10) Cooperatives shall enjoy the privilege of being represented by the provincial or city fiscal or the Office of the Solicitor General, free of charge, except when the adverse party is the Republic of the Philippines.

(11) Cooperatives shall enjoy the privilege of being represented by the provincial or city fiscal or the Office of the Solicitor General, free of charge, except when the adverse party is the Republic of the Philippines;

(12) Shall have the preferential right in the management of the canteen and other services related to the operation of the educational institution where they are employed: Cooperatives organized by faculty members and employees of educational institutions Provided, That such services are operated within the premises of the said educational institution; and

(13) The appropriate housing agencies and government financial institutions shall create a special window for financing housing projects undertaken by cooperatives, with interest rates and terms equal to, or better than those given for socialized housing projects. This financing shall be in the form of blanket loans to qualified cooperatives, without need for individual processing.

How to Organize a Cooperative?

Organizing a cooperative can be complex and simple. It requires an understanding of the basic needs of the prospective cooperative members. It demands patience from the organizer who must make the cooperative's long-term goals and objectives, and its visions a real part of the members' lives.

But it can be too easy because the Cooperative Code of the Philippines (RA 6938) has devised very clear-cut steps for the cooperative organizer and members. The following are the basic information that the prospective members should understand before organizing a cooperative.

There are nine (9) steps suggested in setting up a cooperative.

FIRST. Get organized. You must have at least 15 members to do that. At once determine the common problems you would want solved and the basic needs you would want provided for through a cooperative. You may want to include increasing your production, marketing your produce, credit assistance, power generation, banking or insurance and other similar needs. Determining your problems and needs will also help you classify the kind of cooperative you will be organizing. Even before a cooperative is set up, a dedicated core group people who will do all the organizational and paper works is a must. From this core group, working communities may be formed to set things moving. These committees may include membership, finance, executive, secretariat to name a few.

SECOND. Reserved your proposed cooperative name. Secure and fill up Cooperative Name Reservation Request Form (CNRRF). This must be submitted to CDA Central Office or any of its Extension Office. A reservation fee shall apply.

THIRD. Prepare a general statement called an economic survey. Economic Survey is a general statement describing, among others, the structure and purposes of the proposed cooperative. The structure and actual staffing pattern shall include a bookkeeper. This should indicate the area of operation, the size of membership and other pertinent data in a format provided by the Authority.

FOURTH. Prepare the cooperative's by-laws. The by-laws contain the rules and regulations governing the operation of the cooperative.

FIFTH. Prepare the articles of cooperation. Mandatory contents of the articles of cooperation are the following:

(a) The name of the cooperative, which must include the word "cooperative";

(b) The purpose or purposes and scope of business for which the cooperative is to be registered;

(c) The term of existence of cooperative;

(d) The area of operation and the postal address of its principal office;

(e) The names, nationality and the postal addresses of the registrants;

(f) The common bond of membership;

(g) The list of names of the directors who shall manage the cooperative; and

(h) The amount of its share capital, the names and residences of its contributors, and a statement of whether the cooperative is primary, secondary or tertiary. The articles of cooperation shall be signed by each of the organizers and acknowledged by them if natural persons, and by the chairpersons or secretaries, if juridical persons, before a notary public. .

SIXTH. Secure bond of accountable officer(s). A surety bond should be secured from a duly registered insurance or bonding company. Every director, officer and employee handling funds, securities or property on behalf of the cooperative shall be covered by this. The board of directors shall determine the adequacy of such bonds.

SEVENTH. Execute Treasurers Affidavit. A sworn statement of the treasurer elected by the subscribers showing that at least twenty-five per centum (25%) of the authorized share capital has been subscribed, and at least twenty-five per centum (25%) of the total subscription has been paid should be executed and to be attached to the articles of cooperation. The paid-up share capital shall not be less than Fifteen thousand pesos (P15, 000.00)..

EIGHTH. Complete the Pre-Membership Education Seminar (PMES). A prospective member of a primary cooperative must have completed a Pre-Membership Education Seminar (PMES). A Certificate of PMES must be secured from the training provider.

NINTH. Register your cooperative with the Cooperative Development Authority (CDA).. Submit the following required documents in four (4) copies:

Four (4) copies each of the Economic Survey, Articles of Cooperation and By-Laws duly notarized;

1. Economic Survey; 2. Articles of Cooperation and By-Laws; 3. Surety bond of acountable officers; 4. Treasurer's Affidavit; 5. Approved Cooperative Name Reservation Slip; 6. Certificate of PMES;

Where do we register Cooperative, and How much should be paid for the registration of Cooperative?

The Cooperative Development Authority (CDA) is the sole government agency mandated to register all types of cooperatives. Its main office is located at 827 Aurora Blvd., Immaculate Conception, Quezon City.

Prospective cooperatives must submit their application to the CDA Extension Office where the principal office of the cooperative is located.

The following are the amount of fees to be paid for the registration of cooperatives.

Historical Background

A Filipinos traveling in Europe during the later part of the 19th century must have been impressed with the success of a new economic movement in effecting a gradual metamorphosis of the economic and social life of the people ion those countries. At the turn of the century, Filipinos, in increasing number, traveled and studied abroad and brought home with them new ideas. It was this group of Filipinos who were in close in contact with the new economic movement in Europe. Two names worthy of note were Dr. Jose P. Rizal and Teodoro Sandiko.

Rizal, after his side trip to Sandakan, Borneo in 1892, requested Governor Despudol that he and some relatives and friends be permitted to move to that place and found a colony under the cooperative plan of Robert Owen. Instead, he was arrested for treason and banished to Dapitan, Zamboanga del Norte. In Dapitan, Rizal had his ideas in cooperation partially fulfilled. He put up a school for the poor community on a purely cooperative basis. He also established a cooperative store with the help of his pupils. One noteworthy group organized by Rizal was the La Sociedad de los Abacaleros (Society of Abaca Producers). This functioned for only one year. Rizal returned the members share capital without any loss.

Teodoro Sandiko, in his travels in Europe, must have had a close contact with the cooperative movement in Germany where he came across with the Raiffeisen movement. He was very much impressed by this type of cooperative and he looked forward for an opportunity to have it introduced here in the Philippines. As destiny might have its choice, Sandiko had his chance when he was appointed one of the early governors when Civil Government, under the Americans, was established.

The Rural Credit Law. As soon as Civil Government was established, Filipino participation in government was encouraged. Teodoro Sandiko, then governor of Bulacan, prepared a bill patterned after the Raiffeisen type of credit union and had Rep. Albert Barreto of Zambales sponsor the bill in the lower House of Congress. The

principal aim of this bill was to protect and develop the agricultural interest of the country. When the Barreto sponsored bill was presented it readily obtained unanimous approval on January 20, 1908. The Philippine Commission however, turned it down.

Undaunted by this defeat the sponsors of the bill again put it through in the Second Philippine Legislature. This time it was sponsored in the Lower House by Rep. Rafael Corpuz who succeeded Rep. Barreto from Zambales. The bill was ably presented in both Houses and it was finally passed into law on February 11, 1914 and became Act 2508. When this Act was finally made into law, Gov. Sandiko earned a title of Father of Cooperation in this country.

The administration of the Rural Credit Law was entrusted to the Bureau of Agriculture. The first rural credit association that was organized under this Law was the Agricultural Credit Cooperative Association of Cabanatuan, Nueva Ecija. It was formed on October 18.1916. With this initial organization farmers in the different provinces were organized. At the end of 1926 there were 544 rural credit cooperatives organized in the 42 provinces and by 1930 there were 571 associations formed all over the country. In 1935, however, about 90% of these cooperatives were inactive with no funds left in their treasury. The experiment on rural financing, through cooperatives was a failure.

Marketing Cooperatives. As soon as the organization of rural credit cooperatives was in full swing, The Cooperative Marketing Law (Act 2425) was enacted and approved on December 9, 1927. The rural credit associations were designed to help finance the productive efforts of the farmers. In order to provide incentives to the farmers to produce more an efficient machinery for the profitable marketing of their products should be provided. Wherever rural credit associations were organized cooperative marketing societies were also designed to be organized.The apparent weakness of the rural credit cooperatives, however, failed the enthusiasm of farmers to organize themselves into cooperative marketing associations. By 1939 only 164 societies were actually organized with a total membership of around 5,000 farmers. With this number only 35 reported their sale of products to the Bureau of Commerce. The number of associations reporting indicated that only 20% of the organized associations were active.

Causes of the failure of early cooperatives in the Philippines. Filipino economists and students of cooperatives in this country have often attributed the failure of cooperative societies in this country to the following causes:

Incompetent managementLack of proper understanding of the principles, practices true aims, and purposes of cooperative

associations.Improper use of credits by the borrowers who, instead of using money borrowed for production,

spent it for fiestas or luxuries.Defective securities.Political interference particularly in the collection of overdue accounts.Lack of compensation of officers.Inadequate character and moral responsibility in handling the other fellow’s money.Lack of adequate safeguard against unscrupulous officers who took advantage of their position to

grant loans to themselves and their compadres which later proved disastrous to the system.The dominance of the individualistic attitude instead of the spirit of cooperation among the people.

Inability of cooperatives to secure adequate capital.Their dependence on alien suppliers and distributors.Ineffectiveness of the government and promotion of cooperative organizations.Inadequate marketing facilities.

Considering the experiences of similar societies in other countries, however, the fundamental cause of failure in a cooperative enterprise is the lack of proper understanding of the principles and true aims of cooperative associations, and the non-adherence to them in actual operation of cooperative enterprises.

The ACCFA Financing Program. In recognition of the strategic position occupied by our farmers in the social structure and economic development of the country, the Congress of the Philippines in 1952 enacted Republic Act 821. This law established a system of liberal credit which is specially designed to meet the needs of the small farmer. It also created an administrative agency known as the Agricultural Credit and Cooperative Financing Administration (ACCFA). To implement the great task of rural financing, four general and interrelated objectives of the law are set forth as follows:

To assist small farmers in securing liberal credit.To promote the effective groupings of farmers into cooperative associations.To establish an orderly and systematic marketing machinery for, and controlled by, the small farmers.To place agriculture on a basis of economic equality with other industries.

Core Values

Excellence

Giving one's best performance and achieve the desired outcome through effective and efficient management of resources.

Commitment

High dedication and proactive involvement in the realization of the Agency's mandate.

Integrity

Maintain personal conduct, beyond reproach.

Teamwork

Working collectively and harmoniously to achieve synergy in an environment conducive to the achievement of organizational goals.

Legal Basis

In fulfillment of the provisions of section 15, article XII of the Philippine Constitution. To have an agency that� would promote the viability and growth of cooperatives as instruments of equity, social justice and sustainable economic development, defining its powers, functions and responsibilities, rationalizing government policies

and agencies with cooperative functions, supporting cooperative development, transferring the registration and regulation functions of existing government agencies on cooperative as such and consolidating the same with the authority, appropriate funds, therefore, and for other purposes.

ARTICLE XIINATIONAL ECONOMY AND PATRIMONY

Section 1. The goals of the national economy are a more equitable distribution of opportunities, income, and wealth; a sustained increase in the amount of goods and services produced by the nation for the benefit of the people; and an expanding productivity as the key to raising the quality of life for all, especially the under-privileged.The State shall promote industrialization and full employment based on sound agricultural development and agrarian reform, through industries that make full and efficient use of human and natural resources, and which are competitive in both domestic and foreign markets. However, the State shall protect Filipino enterprises against unfair foreign competition and trade practices.In the pursuit of these goals, all sectors of the economy and all regions of the country shall be given optimum opportunity to develop. Private enterprises, including corporations, cooperatives, and similar collective organizations, shall be encouraged to broaden the base of their ownership.

Section 2. All lands of the public domain, waters, minerals, coal, petroleum, and other mineral oils, all forces of potential energy, fisheries, forests or timber, wildlife, flora and fauna, and other natural resources are owned by the State. With the exception of agricultural lands, all other natural resources shall not be alienated. The exploration, development, and utilization of natural resources shall be under the full control and supervision of the State. The State may directly undertake such activities, or it may enter into co-production, joint venture, or production-sharing agreements with Filipino citizens, or corporations or associations at least sixty per centum of whose capital is owned by such citizens. Such agreements may be for a period not exceeding twenty-five years, renewable for not more than twenty-five years, and under such terms and conditions as may be provided by law. In cases of water rights for irrigation, water supply fisheries, or industrial uses other than the development of water power, beneficial use may be the measure and limit of the grant.

The State shall protect the nation's marine wealth in its archipelagic waters, territorial sea, and exclusive economic zone, and reserve its use and enjoyment exclusively to Filipino citizens.

The Congress may, by law, allow small-scale utilization of natural resources by Filipino citizens, as well as cooperative fish farming, with priority to subsistence fishermen and fish- workers in rivers, lakes, bays, and lagoons.

The President may enter into agreements with foreign-owned corporations involving either technical or financial assistance for large-scale exploration, development, and utilization of minerals, petroleum, and other mineral oils according to the general terms and conditions provided by law, based on real contributions to the economic growth and general welfare of the country. In such agreements, the State shall promote the development and use of local scientific and technical resources.

The President shall notify the Congress of every contract entered into in accordance with this provision, within thirty days from its execution.

Section 3. Lands of the public domain are classified into agricultural, forest or timber, mineral lands and national parks. Agricultural lands of the public domain may be further classified by law according to the uses to which they may be devoted. Alienable lands of the public domain shall be limited to agricultural lands. Private corporations or associations may not hold such alienable lands of the public domain except by lease, for a period not exceeding twenty-five years, renewable for not more than twenty-five years, and not to exceed one thousand hectares in area. Citizens of the Philippines may lease not more than five hundred hectares, or acquire not more than twelve hectares thereof, by purchase, homestead, or grant.

Taking into account the requirements of conservation, ecology, and development, and subject to the requirements of agrarian reform, the Congress shall determine, by law, the size of lands of the public domain which may be acquired, developed, held, or leased and the conditions therefor.

Section 4. The Congress shall, as soon as possible, determine, by law, the specific limits of forest lands and national parks, marking clearly their boundaries on the ground. Thereafter, such forest lands and national parks shall be conserved and may not be increased nor diminished, except by law. The Congress shall provide for such period as it may determine, measures to prohibit logging in endangered forests and watershed areas.

Section 5. The State, subject to the provisions of this Constitution and national development policies and programs, shall protect the rights of indigenous cultural communities to their ancestral lands to ensure their economic, social, and cultural well-being.

The Congress may provide for the applicability of customary laws governing property rights or relations in determining the ownership and extent of ancestral domain.

Section 6. The use of property bears a social function, and all economic agents shall contribute to the common good. Individuals and private groups, including corporations, cooperatives, and similar collective organizations, shall have the right to own, establish, and operate economic enterprises, subject to the duty of the State to promote distributive justice and to intervene when the common good so demands.

Section 7. Save in cases of hereditary succession, no private lands shall be transferred or conveyed except to individuals, corporations, or associations qualified to acquire or hold lands of the public domain.

Section 8. Notwithstanding the provisions of Section 7 of this Article, a natural-born citizen of the Philippines who has lost his Philippine citizenship may be a transferee of private lands, subject to limitations provided by law.

Section 9. The Congress may establish an independent economic and planning agency headed by the President, which shall, after consultations with the appropriate public agencies, various private sectors, and local government units, recommend to Congress, and implement continuing integrated and coordinated programs and policies for national development.

Until the Congress provides otherwise, the National Economic and Development Authority shall function as the independent planning agency of the government.

Section 10. The Congress shall, upon recommendation of the economic and planning agency, when the national interest dictates, reserve to citizens of the Philippines or to corporations or associations at least sixty per centum of whose capital is owned by such citizens, or such higher percentage as Congress may prescribe, certain areas of investments. The Congress shall enact measures that will encourage the formation and operation of enterprises whose capital is wholly owned by Filipinos.

In the grant of rights, privileges, and concessions covering the national economy and patrimony, the State shall give preference to qualified Filipinos.

The State shall regulate and exercise authority over foreign investments within its national jurisdiction and in accordance with its national goals and priorities.

Section 11. No franchise, certificate, or any other form of authorization for the operation of a public utility shall be granted except to citizens of the Philippines or to corporations or associations organized under the laws of the Philippines, at least sixty per centum of whose capital is owned by such citizens; nor shall such franchise, certificate, or authorization be exclusive in character or for a longer period than fifty years. Neither shall any such franchise or right be granted except under the condition that it shall be subject to amendment, alteration, or repeal by the Congress when the common good so requires. The State shall encourage equity participation in public utilities by the general public. The participation of foreign investors in the governing body of any public utility enterprise shall be limited to their proportionate share in its capital, and all the executive and managing officers of such corporation or association must be citizens of the Philippines.

Section 12. The State shall promote the preferential use of Filipino labor, domestic materials and locally produced goods, and adopt measures that help make them competitive.

Section 13. The State shall pursue a trade policy that serves the general welfare and utilizes all forms and arrangements of exchange on the basis of equality and reciprocity.

Section 14. The sustained development of a reservoir of national talents consisting of Filipino scientists, entrepreneurs, professionals, managers, high-level technical manpower and skilled workers and craftsmen in all fields shall be promoted by the State. The State shall encourage appropriate technology and regulate its transfer for the national benefit.

The practice of all professions in the Philippines shall be limited to Filipino citizens, save in cases prescribed by law.

Section 15. The Congress shall create an agency to promote the viability and growth of cooperatives as instruments for social justice and economic development.

Section 16. The Congress shall not, except by general law, provide for the formation, organization, or regulation of private corporations. Government-owned or controlled corporations may be created or

established by special charters in the interest of the common good and subject to the test of economic viability.

Section 17. In times of national emergency, when the public interest so requires, the State may, during the emergency and under reasonable terms prescribed by it, temporarily take over or direct the operation of any privately-owned public utility or business affected with public interest.

Section 18. The State may, in the interest of national welfare or defense, establish and operate vital industries and, upon payment of just compensation, transfer to public ownership utilities and other private enterprises to be operated by the Government.

Section 19. The State shall regulate or prohibit monopolies when the public interest so requires. No combinations in restraint of trade or unfair competition shall be allowed.

Section 20. The Congress shall establish an independent central monetary authority, the members of whose governing board must be natural-born Filipino citizens, of known probity, integrity, and patriotism, the majority of whom shall come from the private sector. They shall also be subject to such other qualifications and disabilities as may be prescribed by law. The authority shall provide policy direction in the areas of money, banking, and credit. It shall have supervision over the operations of banks and exercise such regulatory powers as may be provided by law over the operations of finance companies and other institutions performing similar functions.

Until the Congress otherwise provides, the Central Bank of the Philippines operating under existing laws, shall function as the central monetary authority.

Section 21. Foreign loans may only be incurred in accordance with law and the regulation of the monetary authority. Information on foreign loans obtained or guaranteed by the Government shall be made available to the public.

Section 22. Acts which circumvent or negate any of the provisions of this Article shall be considered inimical to the national interest and subject to criminal and civil sanctions, as may be provided by law.

R11 | Davao Extension OfficeNAME OF OFFICIALS

ELMA R. OGUIS, CSEE MARGARITA O. BAUTORegional Director Acting Supervising Cooperative Development Specialist

BOARD OF ADMINISTRATORS

HON. EULOGIO T. CASTILLO, Ph.D.AdministratorOIC CHAIRMAN

PROFILE

Dr. Castillo is a former professor in U.P. Los Banos. He holds a degree of Doctor of Philosophy in Agricultural Economics from the University of Illinois (USA) in 1982, a Master's Degree in 1974 and a Bachelor's Degree in 1969 from UPLB. He took a Certificate Program on Cooperative Education and Training from Cooperative College (UK) in 1977.He is an expert in cooperative and rural finance. He has written three (3) books on cooperatives and cooperative banking published by the University of the Philippines Press, Development Academy of the Philippines and UPLB. His book published by the UP Press was a finalist in the "Best Book on Business/ Economics/ Finance" granted by the Manila Critic Circle during the manila International Book Fair at the World Trade Center on August 31, 2007 at Pasay City. He has written a chapter in three (3) books, five (5) monograms, one (1) comic and eight (8) technical articles in various local and international journals. He has presented about twenty four (24) technical papers in local and international forums on cooperatives and agricultural economics. He has conducted numerous research projects funded by local and international agencies.

He is an international consultant. His consultancy engagements are broad involving 23 projects with different consultancy firms in the Philippines, Indonesia, Vietnam and Ghana (Africa) with funding from ADB, World Bank, UNDP and FAO. Locally, he has also extended consultancy services to the Municipality of Calamba and provincial Government of Laguna. He has been a consultant of Cooperative Union of the Philippines, Cooperative Union of Southern Tagalog and Federation of Cooperative Banks in the Philippines.

He has been involved in training programs for staff of local and international cooperatives and different government agencies such as Department of Agriculture, Department of Agrarian Reform, former Department of Education, Culture and Sports (now Department of Education), Bureau of Cooperative Development, Cooperative Development Authority, Agricultural Credit and Cooperative Financing Administration, Agricultural Credit Administration, Philippine National Bank, Land Bank of the Philippines, Bangko Sentral ng Pilipinas and various cooperatives in the Philippines. He has also been involved in the training program of International Cooperative Alliance (ICA), Food and Agriculture Organization of UN (FAO-UN), Committee on Promotion of Agricultural Cooperatives of UN (COPAC-UN) and Malaysia.

He is an experienced University Administrator. He has held numerous administrative positions in UPLB such as Vice Chancellor for Community Affairs, Director of Business Affairs Office, Officer-in-Charge of ACCI, Director of ACCI (two terms), Acting Executive Director of Institute of Agrarian Reform and Development Studies, Acting Executive Director of UPLB Foundation, Inc. and Manager of UP Provident Fund (UPLB) Chapter. In addition, he has handled sensitive university committees as Chairman/ Vice-Chairman of Bids and Awards Committee for Supplies and Property, Investment, Fiscal and Policy Operation, Administrative Personnel Board, Land Property, Housing among others. In 2003, he was given Citation by then U.P. President Francisco Nemenzo, Jr. for his service as Vice-Chancellor for Administrator and Vice-Chancellor for Community Affairs to wit:

"For his adept handling of projects and activities that imbued UPLB with a sense of community; For ensuring that UPLB takes greater control of its resources, especially in the lease terms of UPLB lands; For instituting fiscal policies and resources geared towards the judicious management of the resources of the university; For

his selfless devotion to duty and commitment to the attainment of the goals and aspirations of the University of the Philippines."

He has an extensive international exposure. In relation to his graduate studies, research, consultancy services and seminars/ workshops, he has the opportunity to observe international societies such as US, UK, India, Bangladesh, Thailand, Malaysia, Vietnam, Indonesia, Switzerland, Ghana, Singapore and Hong Kong.

His linkages with local and international agencies are extensive. As a result of research, training and consultancy services, he has developed linkages with Department of Agriculture, Department of Agrarian Reform, Land Bank of the Philippines, Bangko Sentral ng Pilipinas, Cooperative Development Authority, local government units, cooperative banks, cooperative insurance and cooperatives all over the Philippines and in Southeast Asian Region. He had been a member of the Provincial Development Council of Laguna and Regional Development Council of Southern Tagalog Region. He has rendered services in the Senate of the Republic of the Philippines as a member of the technical staff of a senator and member of the Technical Working Group of the Committee on Cooperatives of the Senate of the Philippines. He had the privilege to link up with the Asian Development Bank, International Cooperative Alliance, World Bank and FAO and UNDP of the United Nations.

HON. NELON B. ALINDOGANAdministrator

HON. MERCEDES D. CASTILLOAdministrator

HON. PENDATUN B. DISIMBANAdministrator

MANDATE

Promote the viability and growth of cooperatives as instruments of equity, social justice and economic development in fulfillment of the mandate in section 15, Article XII of the Constitution.

QUALITY POLICY

As the government Agency granting juridical personality to cooperatives, the CDA is committed to:

Continually enhance the quality of our programs and services, considering the aspirations of our clients in mind;

Deliver prompt services to the public, following a culture of excellence, professionalism and integrity;

Act in accordance with law and public policy;

In line with these commitments, CDA will continue to give priority to capacity building to ensure that its human capital is knowledgeable, highly skilled, and creative as well as imbued with positive work ethics and spiritual values.

These, it will pursue with the goal of improving service delivery in the name of transparency, accountability and quality service.

VISION

An effective and efficient regulatory agency working towards the development of viable, sustainable socially responsive and globally competitive cooperatives.

PERSONNEL COMPLIMENT

The Cooperative Development Authority. Pagadian Extension Office was finally operational last May 1992 under the Directorship of Godofredo T. Paculba. Its creation is part of the Authority's rationalization of its program focus. On that date; CDA-PEO had a total strength of 25; 13 of whom belong to the operation group and 12 belong to the administrative and support staff.In 1995; the total manpower reached 36. With the creation of CDA-Autonomous Region in Muslim Mindanao (ARMM), the provinces of Sulu and Tawi-Tawi were separated. This resulted in the reduction of personnel with the corresponding decrease of area of coverage. Presently, CDA-EPO has a total strength of 29 personnel; twelve (12) of whom are deployed to 'the different provinces under the region.THE MAJOR FUNCTIONSIn order to carry out the major functions of the Authority; each of the three Senior Cooperative Development Specialists is assigned to a specific section: the Cooperative Research, Information and Training Section; the Registration & Regulatory Section; and the Cooperative Project Development Section aside from them being assigned to a specific province as their area of responsibility. They exercise direct supervision to those Cooperative Development Specialist assigned in the provinces while coming up with a design to promote cooperativism through their functions a section head.With regard to training and advocacy, the Cooperative Development Specialist conduct training needs assessment and come up with training proposal; seek the approval of the region before the same will be implemented. Generally, three (3) training categories are conducted: basic trainings, advance trainings and skills/livelihood trainings.For its regulatory function, the CDA's have been conducting periodic inspection to see to it that the cooperatives are operating within the bounds of law and have not committed any violation of the Code and other related laws. Post inspection conferences were held to better improve their operation.Concerning grievances, the CDS's endeavored that such should be resolve at the cooperatives' grievance committee level. As a result, the number of cooperative cases actually filed with the Authority is of insignificant number.RESOURCE MOBILIZATIONThe field personnel toiled hard to accomplish the trageted activities of the office despite of the strength and budgetary constraint.To overcome this obstacle, CDA-PEO has adopted the means of using "other people's money" and using "other people's strength". It coordinated with other government agencies like the Department of Trade and Industry

(DTI), Department of Agriculture (DA), Department of Agrarian Reform (DAR), Philippine Coconut Authority (PCA) the Department of Education , Culture and Sports (DECS); Land Bank of the Philippines (LBP); other national government agencies, the Local Government Units and non-government organizations as well for technical and financial support. Through the Executive Order No. 95 and Executive Order No. 96, Cooperative Development Councils were organized to synchonize developmental interventions for the cooperative sector. The active participation of these councils has helped the office specially in terms of information dissemination and advocacy. Thus far, the accomplishment of this office may also be attributed to their active participation.

SCHEDULE OF FEES & CHARGES OF THECOOPERATIVE DEVELOPMENT AUTHORITYAS APPROVED UNDER MEMORANDUM CIRCULARNO. 2004 – 2007

SERVICE PROVIDED APPLICATION FEES