pdic_UsapangPera_GuideBook

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entitled hereto, shall be subject to the penalties provided in Sec. 17 hereof. In addition, the offender shall refund to the government double the amount of the tax exemptions and privileges enjoyed under this Act, plus interest of twelve percent (12%) per year from the date of enjoyment of the tax exemptions and privileges to the date of actual payment. Sec. 19. Separability Clause. - If any provision or part hereof is held invalid or unconstitutional, the remainder of the law or the provision not otherwise affected shall remain valid and subsisting. Sec. 20. Repealing Clause. - All laws, decrees, orders, rules and regulations or parts thereof inconsistent with this Act are hereby amended or modified accordingly. Sec. 21. Effectivity. -This Act shall take effect fifteen (15) days following its publication in a newspaper of general circulation: Provided, That the tax incentives granted hereunder shall take effect on January 1, 2009. 144 Annexes
EDITORIAL BOARD Chairperson : Valentin A. Araneta President Co-Chairpersons : Imelda S. Singzon Executive Vice President Examination and Resolution Sector Cristina Q. Orbeta Executive Vice President Receivership and Liquidation Sector Members : Ma. Ana Carmela L. Villegas Senior VP – Management Services Sector Elizabeth E. Oller First VP – Claims Group Cynthia B. Marcelo VP – Insurance Group Geronimo V. Ambe VP – Comptrollership Group Atty. Basilio O. Visaya, Jr. VP – Corporate Governance Office Jose G. Villaret, Jr. VP – Corporate Affairs Group Atty. Manuel C. Tan Assistant VP – Investigation Department Flordelis M. Datu Manager, Resolution Department II For more information on Usapang Pera: Mga Dapat Alamin, please contact: Corporate Communications Department Corporate Affairs Group Philippine Deposit Insurance Corporation 10/F, SSS Bldg.,6782 Ayala Ave. cor. V.A. Rufino St., 1226 Makati City Tel. No. 841-4637/ 841-4638 E-mail: ccd@<strong>pdic</strong>.gov.ph
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Copyright 2013 by the Philippine De
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Foreword Through the Philippine Dep
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insured deposits. This Guidebook is
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Table of Contents A Brief History o
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Just like in the United States of A
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Table 1 1 Maximum Deposit Insurance
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Money is Important 7
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A Brief History of Money At the hou
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Different Forms of Money Seeing his
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Financial Expert’s Corner They sa
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The Different Life-Event Stages Six
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“In our case, we are saving up fo
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The next life-event stage is where
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How to Save Mang Domeng, as if to r
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Financial Expert’s Corner Saving
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Why and How to Save 1. There are ma
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A few minutes later, Tessie is alre
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• Suspicious transactions are tra
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Financial Expert’s Corner In acco
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Banks may or may not issue an ATM c
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He says that all that bank tellers
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Tessie expresses some concerns. “
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Aling Lorna smiles and continues,
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Located on the upper left hand corn
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Financial Expert’s Corner To avoi
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Mang Domeng says to Aling Lorna,
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Financial Expert’s Corner It shou
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In closing the deposit account, you
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It’s 5:30 AM on a Wednesday, and
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The over-reliance on heuristics giv
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Financial Expert’s Corner Money a
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Financial Expert’s Corner It can
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Ponzi Schemes and Pyramiding Aling
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But before the couple leaves, Harry
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More Than Just Interest Rates 1. He
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PDIC is also authorized to investig
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Unable to suppress his smile, Orly
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depositors who have obligations wit
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The agent in a “By” deposit and
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Financial Expert’s Corner Effecti
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3. How much is Fe Santos’s insure
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Member: PDIC 1. PDIC was created by
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It is just two weeks before Mang Do
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Figure 8 Investment Risk Profile* I
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cash or near cash account. Such acc
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Financial Expert’s Corner For lon
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Ed says, “In their simplest form,
Page 104 and 105: Stocks Mang Domeng notices a bewild
Page 106 and 107: “You see, Nanay, although they ar
Page 108 and 109: Financial Expert’s Corner The adv
Page 110 and 111: Other Places to Put Your Money 1. W
Page 112 and 113: It is just one more week before Man
Page 114 and 115: Loads have a validity of one year f
Page 116 and 117: 3. Know Your Bank’s Service Fees
Page 118 and 119: time deposit automatically renewed
Page 120 and 121: 6. Be Informed About PDIC Deposit I
Page 122 and 123: “Orly, I am an OFW,” Mang Domen
Page 124 and 125: Mang Domeng excitedly replies, “S
Page 126 and 127: The Power of Information 1. You, as
Page 128 and 129: Accrued interest - earned but still
Page 130 and 131: Ponzi Scam - an illegal financial s
Page 132 and 133: Determining If Your Expenses Are Ju
Page 134 and 135: Annex B Regulatory Issuance No. 201
Page 136 and 137: 3. Granting high interest rates whe
Page 138 and 139: ANNEX A: Deposit-Related Activities
Page 140 and 141: BSP Circular No. 640 (Activities Wh
Page 142 and 143: Sample Claim Form (Page 1) Annex D
Page 144 and 145: Sample Claim Status Sheet Annex E 1
Page 146 and 147: Annex G Republic Act No. 9505 Augus
Page 148 and 149: (g) “PERA Investment Product” r
Page 150 and 151: Sec. 7. Separate Asset. -The PERA s
Page 152 and 153: (d) Disclosure requirements on the
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