UNITED COCONUT PLANTERS BANK - Ucpb
UNITED COCONUT PLANTERS BANKCITIZEN’S CHARTER
UNITED COCONUT PLANTERS BANKCITIZEN’S CHARTERPage 1
I.MandateUCPB was created in 1963 under the Corporation Law of the Philippines as aprivate corporation and became a Government-Owned and ControlledCorporation (GOCC) only in 1998. UCPB was not created by any Law orRepublic Act to have a Mandate for its creation.UCPB currently serves individuals, private and government institutions, middlemarket companies and small- and medium-sized businesses nationwide and itutilizes its brick and mortar presence and electronic banking facilities to offer afull range of products and services in consumer finance, commercial credit,corporate and investment banking, trust banking, domestic and internationaltrade finance, treasury and money market investment, cash management anddeposit services.II.VisionTo be the bank of choice of the middle and consumer markets by providingpersonal and proactive service and innovative products.III.Mission We will continue to provide personal and proactive service that effectivelyresponds to the diverse and dynamic needs of our clients. We will continually enhance the customer experience through efficient andconvenient service delivery. We will continue to provide relevant, innovative and value-adding productsand services. We will maintain and promote a culture of professionalism, integrity andexcellence, and social responsibility among our employees. We will consistently produce superior financial returns for our stakeholders.Page 2
IV.Service PledgeUCPB commits: To deliver a full range of services to a highly diversified clientele, namelycorporations, private and government institutions, middle marketcompanies, small- and medium-sized businesses, and individuals in thePhilippines. To offer wide range of products and services which includes consumerfinance, commercial credit, corporate and investment banking, trustbanking, domestic and international trade finance, treasury and moneymarket investment, cash management and deposit services To operate through various delivery channels to enable customers to meettheir needs anywhere they are in the country, through its consolidatednetwork of branches/offices, ATMs nationwide, electronic banking facilities,namely, internet banking, mobile phone banking, and telephone banking. To continuously build a strong and distinctive brand that sets it apart fromthe rest: personal and proactive customer service. To consistently adhere to the Bank’s Corporate Values.Corporate ValuesUCPB’s corporate values is P.A.S.S.I.O.N and is individually defined with thecorresponding behaviors, as follows:Progressive Generates innovative solutions in work situations Thinks expansively. Combines ideas in unique ways or makesconnections between disparate ideas, explores different lines ofthought, views situations from multiple perspectives, brainstormsmultiple approaches/solutions. Challenges paradigms. Identifies assumptions in the way problems orsituations are presented, sees alternative ways to look at problems orsituationsPage 3
Does continuous improvements/implements effective improvements.Tests solutions; gathers feedback on effectiveness reviews impact ofbaseline measures; modifies solutions as appropriate to ensureeffectiveness.Adaptable Maintains effectiveness when experiencing major changes in worktasks or the work environment Quickly modifies behavior to deal effectively with changes in the workenvironment Readily tries on new approaches appropriate for new or changedsituations Looks at change and new situations as opportunities for learning andgrowthSincerity and Integrity Demonstrates honesty, keeps commitments, behaves in a consistentmanner Considers fairness/ equality in actions and decisions Shows accountability by being able to explain, clarify and justify actions Observes transparency by being willing and able to provide clearinformation about work, actions and decisions.Sense of Urgency Takes prompt action to accomplish objectives Acts promptly in routine situations Responds quickly when confronted with a problem or when made aware ofa situationPage 4
Intuitiveness Seeks information to understand customer's circumstances,problems, expectations and needs Implements new ideas or potential solutions without prompting,does not wait for others to actor request action Takes action that goes beyond job requirements in order to achieveobjectives Takes opportunities to exceed expectations without makingunreasonable commitmentsObsessed with Excellence Sets high standards of performance for self Assumes responsibility and accountability for successfully completingassignments or tasks Self-imposes standards of excellence rather than having standardsimposed Ensures work output is of high quality Strives to continuously improve one' s workNurturing Establishes good interpersonal and relationships Supports others Listens with empathy and seeks to understand others Supports and encourages others; builds their self-esteem Cooperates with others and is a team playerPage 5
LIST OF SERVICESPART 1 – BRANCH BANKING PRODUCTS AND SERVICESDeposit Transactions9101.Opening of Accounts102.Releasing of Approved ATM Card/ Claiming of ATM Card173.Replacement of ATM Card184.Purchase of Manager’s Check (MC)205.Application and Issuance of Bank Deposit Certification216.Domestic Telegraphic Transfer237.Enrollment to UCPB Connect (Branch Enrollment)258.Time Deposit Roll-over279.Time Deposit Renewal and Payment of Interest Rate2910. Time Deposit Pre-Termination/Termination3111. Acceptance of Deposit3312. Savings Account Withdrawal3513. Check Encashment3814. Fund Transfer4015. Sale of Forex4216. Purchase of Forex4417. Checkbook Requisition4618. Check Issuance48PART II – CONSUMER BANKING PRODUCTS AND SERVICES49Consumer Loans50How to Apply for a Consumer Loan50Checklist of Requirements55A. Personal Loans55B. Auto Loans55Page 6
C. Real Estate Loans56D. Small Business Loans57PART III – COMMERCIAL BANKING PRODUCTS AND SERVICES59Corporate Loans60How to Apply for a Corporate Loan60Checklist of Requirements65PART IV – INTERNAL SERVICES67I.Processing of ATM Card Requested by Customer68II.Request for Statement of Account by Customer71III.Request for Cash Assistance by Branch72IV.Application for Remittance (Domestic and Foreign) by Customer75V.Conduct of Credit Investigation81VI.Request for Appraisal of Collateral86VII.Request for Release of Collateral95VIII.Request for Opinion/Assistance on RegulatoryCompliance Matters105IX.Request for Legal Opinion107X.Request for Secretary’s Certificate108XI.Request for Employment Clearance111XII.Request by Office Supplies by Units114PART V – TREASURY BANKING OPERATIONS116Treasury Products and Services1.2.117Purchase of Government and Corporate Bonds / EnterInto a Repurchase Transaction118Checklist of Requirements120a. “Know your Customer” Requirements120b. New Outright Bond Placements121Page 7
3.New Repurchase Placements1214.3rd Party Custodian Documents122a. Land Bank122b. Bureau of Treasury122c. Philippine Depositary and Trust Corporation (PDTC)123PART VI – TRUST BANKING OPERATIONS124Trust Products and Services1251.Pre-Account Opening and Opening Process for UITFs1252.Pre-Account Opening and Account Opening For Corporateand Individual Trust, Investment Management, Escrow,Agency and Other Fiduciary Services129Additional Participation / Contribution and Withdrawal /Redemption (For all Accounts)133Account Termination / Closing (For All Accounts)135A. Required Documents for TBG Clients1373.4.PART VII – CUSTOMER FEEDBACK AND COMPLAINTS142PART VIII – LIST OF OFFICES145Page 8
Branch Banking Products and ServicesExternal ServicesPage 9
DEPOSIT TRANSACTIONS1.Opening of AccountsOffice or Division:Classification:Type of Transaction:UCPB BranchesSimpleG2C - Government-to-CitizensG2B – Government to BusinessG2G – Government to GovernmentWho may avail:Individuals (Local Residents; Resident/Non-Resident Alien) ,Sole Proprietorships; Corporations; Civic Organizations,Non-Profit Organizations, Associations, Foundations ,Pawnshops, Money Changers, Foreign Exchanges Dealers,Local Remittance Agents, Government AgenciesCHECKLIST OF REQUIREMENTSWHERE TO SECUREPlease see Annex A below for complete list ofAny Government or Private Entitiesdocumentary requirementsauthorized to issue documentaryrequirements as applicableCLIENT STEPSAGENCY ACTION FEES PROCESSING PERSONTO BE TIMERESPONSPAIDIBLE1. Go to New AccountsInterview theNone10 mins.SalesSection to inquire how to prospective clientAssociatesopen an account.and brief him/her of(SA)the Bank’s productsUCPBand requirementsBranchfor opening adeposit account.2. Choose the product andCheck theNone5 mins.SalesdocumentsAssociatessubmit the requiredsubmitted by the(SA)documents.prospective clientUCPBand verify if he/sheBranchhas an existingClient InformationFile (CIF) in theClient InformationManagementSystem (CIMS). Ifwith existing CIFproceed with theaccount opening,Page 10
otherwise, requestthe Customer to fillout the accountopening forms.3. Fill up the requiredaccount opening formsand deposit slip for theinitial deposit.Check theaccomplishedaccount openingforms forcompleteness, thencreate the CIF inCIMS andgenerates theaccount number inthe Back OfficeSystem –Electronic TouchPoint (ETP).None20 mins.SalesAssociates(SA)UCPBBranch4. Fill up the requiredaccount opening formsand deposit slip for theinitial deposit.Check theaccomplishedaccount openingforms forcompleteness, thencreate the CIF inCIMS andgenerates theaccount number inthe Back OfficeSystem –Electronic TouchPoint (ETP).None20 mins.SalesAssociates(SA)UCPBBranch5. Make the initial depositAccept the depositfor processing ofthe teller.None2 mins.6. Receive as maybeapplicableRelease thefollowing to theNone15 mins.WindowTellerUCPBBranchSalesAssociates(SA)Page 11
client, as may beapplicable:UCPBBranchPassbook for SAPassbookBased/MultiOne/Start2Save/USDollar SACheckbook forCA/MultiOne/Checkstarter.TOTAL None52 mins.Annex AREQUIREMENTS:INDIVIDUALLatest 2 x 2 or at least 1 x 1 color picture which should be taken not more than six (6) monthsfrom the date of account opening; or picture taken via webcam of the branch/unit concernedduring account opening.A. Local Residents1. At least one (1) valid photo-bearing identification document.2. Birth Certificate of child if account will be open as In-Trust-For (ITF) or under the nameof Parent/eligible Relative or Legal Guardian.B. Resident Alien1. Authenticated copy of Alien Certificate of Registration (ACR) from the Bureau ofImmigration or2. Any similar documents such as:a. Special Retirees Visab. Special Resident Visa orc. Any Investors Visa issued by government agencies (e.g., Clark DevelopmentCorporation, Subic Bay Metropolitan Authority)C. Non-Resident Alien1. Passport2. ACR-I cards issued by Bureau of Immigration: Tourists who extend stay past 59 days (Tourists with no ACR-I card should indicatepurpose or reason of account/ investment/ loan opening) Students and employees with pre-arranged employee VISAPage 12
Registered foreigners and dependents living in the PhilippinesAdditional document: Latest Proof of Billing or any other similar documents that will validate or show thepermanent/present address of the client.a. For walk-in and referred accounts. Latest Proof of Billing may only be one of therequirements, among any other similar documents (statement of account of otherbanks) only when there is a discrepancy between the given permanent addressindicated in the CIS and the ID presented.b. If Proof of billing is under a different name, the following must be presented:I. Lease ContractII. Proof of certification of relationship (e.g. birth/ marriage certificate, IDs, etc.)III. Other similar document/s to establish relationship, residence and existenceof the client. For customer using Alias: Certificate of Registration from the Local Civil Registry For Checkstarter, present any of the following additional documents:a. Endorsement letter from any of the Bank’s existing Clients engaged in the lending/financing businessb. Notarized lease contract signed by the Lessor and Lesseec. Other documents that justify the Client’s need for CASOLE PROPRIETORSHIP1. Certificate of Registration issued by the Department of Trade and Industry (DTI).2. At least one (1) valid photo-bearing identification document.3. Latest 2 x 2 or at least 1 x 1 color picture which should be taken not more than six(6) months from the date of account opening; or picture taken via webcam of thebranch/unit concerned during account opening.Additional document: Latest Proof of Billing or any other similar documents that will validate or show thepermanent/present address of the client.a. For walk-in and referred accounts. Latest Proof of Billing may only be one of therequirements, among any other similar documents (statement of account of otherbanks) only when there is a discrepancy between the given permanent addressindicated in the CIS and the ID presented.b. If Proof of billing is under a different name, the following must be presented:I. Lease ContractII. Proof of certification of relationship (e.g. birth/ marriage certificate, IDs, etc.)Page 13
III. Other similar document/s to establish relationship, residence and existence ofthe client.CORPORATIONFor Domestic Corporations:1. Certificate of Registration issued by the Securities and Exchange Commission (SEC) orother Regulatory Bodies.2. Articles of Incorporation and By- Laws3. Notarized Board or Secretary’s Certificate authorizing the opening of the account anddesignating the authorized signatories to sign on behalf of the entity4. Latest General Information Sheet (GIS), if applicable stating: Names of Directors/ Trustees Principal stockholders owning at least 20% of the outstanding capital stock Primary officers (e.g., President, Treasurer, etc.) 1 valid photo-bearing ID for each signatory5. Certificate/ License/ Authority to operate or any similar document such as but not limitedto: Secondary License from SEC Reinsurance Brokerage License issued by the Insurance Commission Certificate of Authority to Operate a school duly issued by the Department ofEducation and SportsFor Multinational Corporations/ Offshore Branches:1. Articles of Incorporation2. License to operate in the Philippines issued by SEC3. Special Power of Attorney designating a resident of the Philippines to receive summonsand other legal documents that may be served to the Corporations4. Notarized Pro-forma Secretary’s Certificate or Board Resolution authorizing the openingof the account naming the depository bank and branch, stating the type of account andcurrency, and designating the officers authorized to sign for and in behalf of theCorporation5. Latest General Information Sheet (GIS), if applicable stating: Names of Directors/ Trustees Principal stockholders owning at least 20% of the outstanding capital stock Primary officers (e.g., President, Treasurer, etc.) 1 valid photo-bearing ID for each signatoryNote: For entities registered outside the Philippines, similar documents and/ or informationshall be obtained duly authenticated by the Philippine consulate where said entities areregistered.Page 14
CIVIC ORGANIZATION, NON-PROFIT ORGANIZATIONS, ASSOCIATION,FOUNDATIONS and similar entities1. Certificate of Registration issued by the SEC, BIR, COMELEC, DOLE and otherRegulatory Bodies2. Articles of Association or Constitution3. By-Laws4. Notarized Board Resolution or Secretary’s Certificate authorizing the opening of theaccount naming the depository bank and branch, stating the type of account andcurrency, and designating the officers authorized to sign for and in behalf of theorganization, which shall be verified against the By-Laws5. Latest General Information Sheet (GIS), if applicable stating: Names of Directors/ Trustees Principal stockholders owning at least 20% of the outstanding capital stock Primary officers (e.g., President, Treasurer, etc.)6. 1 valid photo-bearing ID for each signatoryNote: For associations, parish or religious organizations and other unregistered orunincorporated groups which do not have an Articles of Association or Constitution andBy-Laws, the branch shall require some authorization from the religious or other leaderlike the bishop or parish priest which shall be verified for authenticity.TREASURER-IN-TRUST1. Proposed Articles of Incorporation with signature of all incorporations2. Proposed By- Laws3. Notarized Treasurer’s Affidavit4. Photo-bearing ID of the Treasurer issued by an official authorityCOOPERATIVES1. Certificate of Registration issued by Cooperative Development Authority (CDA) orNational Electrification Administration (NEA) if electric cooperatives2. Article of Incorporation or Association and By-Laws3. Members’ Resolution4. Bureau of Internal Revenue (BIR) Exemption Certificate, if applicablePAWNSHOPS, MONEY CHANGERS, FOREIGN EXCHANGE DEALERS AND LOCALREMITTANCE AGENT1. Mandatory required documents for juridical accounts2. BSP Certificate of Registration for the license granted to operate each head office,branch, agent, sub-agent, extension office or business outlet3. AMLC Certificate of RegistrationValid IDs Include:1. Passport, including those issued by foreign governments2. Driver’s LicensePage 15
3.4.5.6.7.8.9.Professional Regulation Commission (PRC) IDNational Bureau of Investigation (NBI) ClearancePolice ClearancePostal IDVoter’s IDTIN IDBarangay Certification or Barangay IDs or similar documents bearing picture of theClient10. GSIS e-Card11. SSS Card12. Senior Citizen Card13. Overseas Workers Welfare Administration (OWWA) ID14. OFW ID15. Seaman’s Book16. GOCC ID e.g., Armed Forces of the Philippines (AFP) ID, Home DevelopmentMutual Fund (HDMF) ID, etc.17. Certification from the National Council for the Welfare of Disabled Persons(NCWDP)18. Department of Social Welfare and Development (DSWD) Certification19. Integrated Bar of the Philippines ID20. Company ID issued by Private Entities or Institutions registered with orsupervised/regulated either by the BSP, SEC or IC21. Philippine Health Insurance Corporation (Philhealth) ID22. Unified Multi-purpose Identification (UMID) CardNote: Valid IDs shall mean not expired at the time of submission/ presentation. The Bank may requestadditional or accept other IDs not enumerated above provided that it shall not be the sole means ofidentification.Page 16
2.Releasing of Approved ATM Card/Claiming of ATM CardOffice or Division:Classification:Type of Transaction:UCPB BranchSimpleG2C - Government-to-CitizensG2B – Government to BusinessG2G – Government to GovernmentWho may avail:Individuals (Local Residents; Resident/Non-Resident Alien) , SoleProprietorships; Corporations; Civic Organizations, Non-ProfitOrganizations, Associations, Foundations and similar entities,Treasurer-In-Trust, Cooperatives, Pawnshops, Money Changers,Foreign Exchanges Dealers, Local Remittance Agents,Government AgenciesCHECKLIST OF REQUIREMENTSWHERE TO SECURE1. Approved ATM Cards Application and Sales Associates counter - UCPB BranchMaintenance Form (CAMF)2. Valid ID (if applicable)Any Government or Private Corporationsissuing identification cardsCLIENT STEPSAGENCYFEES TOPROCESSING PERSONACTIONBE PAIDTIMERESPONSIBLE1. Go to New Accounts Check theNone2 mins.SalesSection and present CAMF.Associates (SA)the approved ATMUCPB BranchCards Applicationand MaintenanceForm (CAMF).2. Received ATM card Release theNone13 mins.Sales& sealed PIN Mailer ATM card andAssociates (SA)the sealed PINUCPB BranchMailer to Client.TOTAL None15 mins.Page 17
3.Replacement of ATM CardOffice or Division:Classification:Type of Transaction:UCPB BranchSimpleG2C - Government-to-CitizensG2B – Government to BusinessG2G – Government to GovernmentWho may avail:Individuals (Local Residents; Resident/Non-Resident Alien) , SoleProprietorships; Corporations; Civic Organizations, Non-ProfitOrganizations, Associations, Foundations and similar entities,Treasurer-In-Trust, Cooperatives, Pawnshops, Money Changers,Foreign Exchanges Dealers, Local Remittance Agents,Government AgenciesCHECKLIST OF REQUIREMENTSWHERE TO SECURE1. Approved ATM Cards Application Sales Associates counter - UCPB Branchand Maintenance Form (CAMF)2. Valid ID (if applicable)Any Government or Private Corporations issuingidentification cardsCLIENT STEPSAGENCYFEES TO PROCESSINGPERSONACTIONBE PAIDTIMERESPONSIBLE1. Go to NewAsk Client to fillNone5 mins.Sales AssociatesAccountsup a Card(SA)Section andApplication andUCPB Branchrequest for ATM Maintenancereplacement.Form (CAMF).2. Fill up theCheck theNone2 mins.BranchCAMFcompleteness ofOperationsthe filled-upOfficer (BOO)CAMF.UCPB Branch3. Wait forAssist Client toNone2 mins.Sales Associatestransaction toTeller for the(SA)be processedprocessing ofUCPB BranchATMReplacementFee payment.4. Pay the ATMProcess theP200.002 mins.TellerReplacementATM(payUCPB BranchFee.ReplacementWave)Fee payment.P160.00/card(nonpayWave)Page 18
Submit theNone3 mins.CAMF forapproval ofbranch officerand inform Clientto claim the ATMCard after five(5) bankingdays.TOTAL P200.0015(payWave)P160.00/card(nonpayWave)Page 19Sales Associates(SA)UCPB Branchmins.
4.Purchase of Manager’s Check (MC)Office or Division:Classification:Type ofTransaction:Who may avail:UCPB BranchSimpleG2C - Government-to-CitizensG2B – Government to BusinessG2G – Government to GovernmentIndividuals (Local Residents; Resident/Non-Resident Alien) , SoleProprietorships; Corporations; Civic Organizations, Non-ProfitOrganizations, Associations, Foundations and similar entities,Treasurer-In-Trust, Cooperatives, Pawnshops, Money Changers,Foreign Exchanges Dealers, Local Remittance Agents,Government AgenciesCHECKLIST OF REQUIREMENTS1. Payment Order Application FormWHERE TO SECURESales Associates counter - UCPB Branch2. Valid ID (if applicable)Any Government or Private Corporationsissuing identification cards3. Authorization Letter (if applicable)CustomerCLIENT STEPSAGENCYFEES TOPROCESSING PERSONACTIONBE PAIDTIMERESPONSIBLE1. Secure queuingAvailable at the None1 min.Guardnumber and wait for entrance door ofhis/her number tothe branchbe called.2. Fill up two (2)Receive theNone5 mins.Tellercopies of Paymentfilled up POA,UCPB BranchOrder Applicationcheck it for(POA) form.completeness,and submit it forapproval of thebranch officer.3. Pay service charge ProcessP75.002 mins.Tellerpayment ofUCPB Branchservice charge.4. Wait for transaction PrepareNone20 mins.Tellerto be processedmanager’sUCPB Branchcheck.5. Receive theRelease theNone1 min.Tellermanager’s check.manager’sUCPB Branchcheck.TOTAL P75.0029 mins.Page 20
5.Application and Issuance of Bank Deposit CertificationOffice or Division:Classification:Type of Transaction:UCPB BranchSimpleG2C - Government-to-CitizensG2B – Government to BusinessG2G – Government to GovernmentWho may avail:Individuals (Local Residents; Resident/Non-Resident Alien) , SoleProprietorships; Corporations; Civic Organizations, Non-ProfitOrganizations, Associations, Foundations and similar entities,Treasurer-In-Trust, Cooperatives, Pawnshops, Money Changers,Foreign Exchanges Dealers, Local Remittance Agents,Government AgenciesCHECKLIST OF REQUIREMENTSWHERE TO SECURE1. Bank Deposit Certificate Application Sales Associates counter - UCPB BranchFormCLIENT STEPSAGENCYFEES TOPROCESSING PERSONACTIONBE PAIDTIMERESPONSIBLE1.Go to NewGive Client aNone 1 minSalesAccounts SectionBank DepositAssociates (SA)and request for theCertificateUCPB Branchissuance of a BankApplicationDeposit Certificate(BDCA) form.(BDC).2. Fill up the Bank Review the BDCA None10 mins.SalesDeposit CertificateAssociates (SA)as toApplication (BDCA)UCPB Branchcompleteness,form.and submit iffor approval ofthe branchofficer/s.3. Wait for transactionto be processed4. Pay the servicecharge to the Teller.Assist Client toTeller to paythe servicecharge.Process thepayment of theservice chargeand return thevalidatedNone 1 minSalesAssociates (SA)UCPB BranchP300.002 minsTellerUCPB BranchPage 21
BDCA to SalesAssociate.5.Wait for request to be Prepare theNonepreparedbank depositcertificate, andsubmit it for thesignature of thebranchofficer/s.6. AcknowledgedRelease theNonereceipt of the bankbank depositdeposit certificate.certificateClient.TOTAL P300.00Page 2215 mins.SalesAssociates (SA)UCPB Branch 1 min.BranchOperationsOfficer (BOO)UCPB Branch30 mins.
6.Domestic Telegraphic TransferOffice or Division:Classification:Type of Transaction:Who may avail:UCPB BranchSimpleG2C - Government-to-CitizensG2B – Government to BusinessG2G – Government to GovernmentIndividuals (Local Residents; Resident/Non-Resident Alien) , SoleProprietorships; Corporations; Civic Organizations, Non-ProfitOrganizations, Associations, Foundations and similar entities,Treasurer-In-Trust, Cooperatives, Pawnshops, Money Changers,Foreign Exchanges Dealers, Local Remittance Agents,Government AgenciesCHECKLIST OF REQUIREMENTS1.Payment Order Application FormWHERE TO SECURESales Associates counter - UCPB Branch2.Client Information Sheet (CIS) for nonclient3.Valid ID (if applicable)Sales Associates counter - UCPB BranchCLIENT STEPS1.Secure queuingnumber and wait forhis/her number to becalled2.Fill up the PaymentOrder Application(POA) form3.Proceed to Teller’scounter whenqueuing number iscalled and informTeller of his/herintention to transferfunds via DTT, andsubmit the filled upPOA, valid IDs andother requireddocumentsAny Government or Private Corporationsissuing identification cardsFEES TOPROCESSING PERSONBE PAIDTIMERESPONSIBLENone 1 min.GuardAGENCYACTIONAvailable at theentranceAvailable at theforms counter inthe lobbyCheck thesubmittedrequirements astocompletenessand validity.None10 minsCustomerNone5 mins.TellerUCPB BranchPage 23
4. Fill up the CIS.5. If with CIF or afterCIF is created, givethe amounts to betransferred andservice charge toTeller forprocessing.6. Receive copy ofvalidated POA fromthe Teller.Interview theClient to verifythe informationon the CIS andencodeinformation inthe CIMSRequest therelevantofficer/s forapproval oftransaction andthen processthe transaction.Release copy ofvalidated POAto the Client.TOTALNone15 mins.SalesAssociates (SA)UCPB BranchP50.002 mins.TellerUCPB BranchNone 1 min.TellerUCPB BranchP50.0034 mins.Page 24
7.Enrollment to UCPB Connect (Branch Enrollment)Office or Division:Classification:Type of Transaction:Who may avail:UCPB BranchSimpleG2C - Government-to-CitizensG2B – Government to BusinessG2G – Government to GovernmentIndividuals (Local Residents; Resident/Non-Resident Alien) , SoleProprietorships; Corporations; Civic Organizations, Non-ProfitOrganizations, Associations, Foundations and similar entities,Treasurer-In-Trust, Cooperatives, Pawnshops, Money Changers,Foreign Exchanges Dealers, Local Remittance Agents,Government AgenciesCHECKLIST OF REQUIREMENTS1. Electronic Banking Enrollment/Maintenance Form2.Valid IDCLIENT STEPS1. Go to New AccountsSection and informSales Associate ofintention to enroll toUCPB Connect.2. Fill up theElectronic BankingEnrollment/MaintenanceForm.3. Log in to UCPBConnect using thechosen Usernameand Password.AGENCYACTIONWHERE TO SECURESales Associates counter - UCPB BranchAny Government or Private Corporationsissuing identification cardsFEES TOPROCESSING PERSONBE PAIDTIMERESPONSIBLENone 1 min.SalesAssociates(SA)UCPB BranchAssist Client bypreparing thetablet orcomputer wherethe Client maysign up online.Assist Client toNonelog in towww.UCPB.com and set thepage for signup.Print the “Status Noneof OnlineRegistration”.Present theprintedregistration formwith signatureto the relevantPage 255 minsSalesAssociates(SA)UCPB Branch5 minsSalesAssociates(SA)UCPB Branch
4. Access enrolledaccount in theUCPB Connectbranch officer/sfor furtherassessment.Approve andactivate theaccount.NoneTOTAL NonePage 261 min12 mins.BranchOperationsOfficers (BOO)UCPB Branch
8.Time Deposit Roll-OverOffice or Division:Classification:Type of Transaction:Who may avail:UCPB BranchSimpleG2C - Government-to-CitizensG2B – Government to BusinessG2G – Government to GovernmentIndividuals (Local Residents; Resident/Non-Resident Alien) , SoleProprietorships; Corporations; Civic Organizations, Non-ProfitOrganizations, Associations, Foundations and similar entities,Treasurer-In-Trust, Cooperatives, Pawnshops, Money Changers,Foreign Exchanges Dealers, Local Remittance Agents,Government AgenciesCHECKLIST OF REQUIREMENTSWHERE TO SECURE1.Time Deposit Transaction Slip(TDTS)2.Certificate of Time Deposit (CTD)CLIENT STEPSAGENCYACTION1. Go to NewAsk Client toAccounts Sectionfill up a Timeand request to rollDepositover* the timeTransactiondeposit.Slip (TDTS).Sales Associates counter - UCPB Branch*If on AutomaticRoll-over, roll-overis doneautomatically onmaturity date byUCPB.2. Submit theCertificate of TimeDeposit (CTD) forupdating and filledup TDTS to SalesAssociate.3. Wait for CTD to beupdatedSales Associates counter - UCPB BranchFEES TOPROCESSING PERSONBE PAIDTIMERESPONSIBLENone1 min.Sales Associates(SA)UCPB BranchUpdate theback of theCTD for thenew interestrate and term.None3 minsSales Associates(SA)UCPB BranchSubmit theCTD andTDTS forapproval ofthe relevantNone2 mins.Sales Associates(SA)UCPB BranchPage 27
4. Receive/acceptupdated CTDbranchofficer/s.Approve andrelease theupdated CTDto Client.None2 mins.TOTAL None8 mins.Page 28Sales Officers(SO) orBranchOperationsOfficers (BOO)orBranch Manager(BM)UCPB Branch
9.Time Deposit Renewal and Payment of Interest RateOffice or Division:UCPB BranchClassification:Type of Transaction:SimpleG2C - Government-to-CitizensG2B – Government to BusinessG2G – Government to GovernmentIndividuals (Local Residents; Resident/Non-Resident Alien) , SoleProprietorships; Corporations; Civic Organizations, Non-ProfitOrganizations, Associations, Foundations and similar entities,Treasurer-In-Trust, Cooperatives, Paw
UNITED COCONUT PLANTERS BANK CITIZEN'S CHARTER. Page 1 UNITED COCONUT PLANTERS BANK CITIZEN'S CHARTER. Page 2 . Savings Account Withdrawal 35 13. Check Encashment 38 14. Fund Transfer 40 15. Sale of Forex 42 16. Purchase of Forex 44 17. Checkbook Requisition 46 .
The target geographic area consists of the farmlands of coconut producing farmers and small coconut farmers’ organization . be scale larger to produce coconut water, coconut juice, coconut aminos, coconut blossom tea PHASE 3 will cover all more partner farmers/farms ( 190
Coconut: coconut aminos, coconut butter, coconut cream, coconut flakes (unsweetened), coconut kefir, coconut milk, . Target Greatland with single serve refrigerated teas/juices, Whole Foods/Lakewinds, special refrigerated. Bubbies Pure Kosher Dills and Sauerkraut (
Northern Bank & Trust Co. Patriot Community Bank People's United Bank Pilgrim Bank Radius Bank RTN Federal Credit Union Santander StonehamBank TD Bank The Cooperative Bank The Savings Bank The Village Bank Walpole Cooperative Bank Wellesley Bank Winchester Co-operative Bank Abington Bank Bank of Canton Blue Hills Bank Boston Private Bank & Trust
RBD COCONUT OIL RBD Coconut Oil is a light yellow liquid and would change into a semi solid in room temperature. For Crude Coconut Oil to be suitable for consumption, it must be refined, bleached and deodorized (RBD). RBD Coconut Oil is used in coconut-based cooking oil, for food processing commercial and in oleo chemical industries.
Planting Equipment The two main types of planters commonly used for sunflowers are conventional plate planters and vacuum planters. Conven-tional plate planters have a wide range of plates and plate sizes available for common brands of planter equipment. As a result, some seed bags include plate size and number charts that corre-
M/s G.M. Kapadia & Co., Chartered Accountants Bankers HDFC Bank Ltd. (Primary Banker) Axis Bank Ltd. Bank of Baroda Bandhan Bank Ltd. Citibank N.A. CSB Bank Ltd. DCB Bank Ltd. Deutsche Bank ESAF Small Finance Bank ICICI Bank Ltd. IDFC Bank Ltd. Indian Bank RBL Bank Ltd. Saraswat Co-op Bank Ltd. State Bank of India Suryoday Small Finance Bank Ltd.
10. HDFC Bank Limited 11. ICICI Bank Ltd 12. Indian Overseas Bank 13. ING Vysya Bank 14. Kotak Bank -Virtual card 15. Shivalik Bank 16. Standard Chartered Bank 17. State Bank of Bikaner and Jaipur 18. State Bank of India 19. State Bank of Mysore 20. State Bank of Travencore 21. Syndicate Bank 22. The Federal Bank Ltd 23. The Karur Vysya Bank Ltd
there are questions to answer and diagrams to label. Marieb (2007) is the core anatomy and physiology text used, which corresponds to local undergraduate pre-registration and learning beyond registration curriculum’s at the University of Southampton. A recommended reading list is provided.
