1. PAG IBIG SAVE MORE… EARN MORE PROGRAM

2. SAVE More…EARN More… Mag-impok sa Pag-IBIG Fund -higher monthly membership contributions -higher dividend earnings -higher Multi-Purpose Loan availment Kaya…SAVE na! If I had saved a minimum of P 500 a month for the last 10 years, I would have earned: EE Share P 48,000.00 ER Share P 12,000.00 Dividend P 13,766.19 Total Savings P 73,766.19

3. Comparative Illustration Name : Margaret C. Go Employer : Polymeric Industrial Corp. Period Covered : September 1997 – January 2008 P 50,000.00 12,500.00 14,498.40 P 76,998.40 P 12,500.00 12,500.00 5,008.58 P 30,008.58 Total EE Share Total ER Share Dividends Total Accumulated Value (TAV) as of March 7, 2008 P 400.00 P 100.00 Monthly Contributions P 20,000.00 P 5,000.00 Fund Salary 2% of Actual Fund Salary (BASIC + Cola) 2% of Maximum Fund Salary Contributions Rate

4. Comparative Illustration on Savings *Pag-IBIG is tax free on interest and guaranteed by the government. 2,000.00 700.00 900.00 Net 0 175.00 225.00 Less tax 20% (Bank 1 & Bank 2 only) 2,000.00 875.00 1,125.00 INTEREST (annual) 4% 1.75% 2.25% Rate of Interest per Annum 50,000.00 50,000.00 50,000.00 Principal Pag-IBIG Bank 2 Bank 1

5. Advantages of maximized Fund Salary 1. Higher savings 2. Higher dividend earnings 3. Higher loanable amount on MPL

6. A member may contribute the two percent (2%) of his actual fund salary to maximize his monthly contribution. The employer, however, is mandated to contribute only the required two percent (2%) of monthly compensation not exceeding P 5,000.