BOARD OF DIRECTORS Atty. Salvador Antonio T. NisceCHAIRMAN Mr. Pancracio Q. NisceDIRECTOR Mrs. Teresita C. ValleDIRECTOR Dr. Raymond L. Espinosa INDEPENDENT DIRECTOR Mr. Joseph Bernard G. ValeroDIRECTOR PRINCIPAL OFFICERS PANCRACIO Q. NISCEPresident / Manager RITA E. TALAVERATreasurer MARIE GRACE M. JUGOChief Compliance Officer SHIRLEY LORMA M. MONTANEZCashier REGGIE L. PERITOInternal Auditor KRISTINE B. LUNA Corporate Secretary JULIE ANN G. DADULLALoan Supervisor CHARMAINE JOIE R. NISPEROSOIC / Senior Bookkeeper