BUREAU OF JAIL MANAGEMENT AND PENOLOGY

MUTUAL BENEFIT ASSOCIATION, INCORPORATED (BJMPMBAI)

Annual Report
2019
Theme:
“Serbisyo sa Miyembro,
Laging Numero Uno!”
2

CONTENTS
05 MINUTES OF BJMPMBAI 18th ANNUAL
GENERAL MEMBERSHIP MEETING 18 GOVERNANCE REPORT

09 PRESIDENT’S REPORT 20 BJMPMBAI BOARD OF DIRECTORS

& OFFICERS

12 AUDITED FINANCIAL STATEMENTS 21 AWARDEES FOR THE YEAR 2020

16 RESOLUTIONS OF THE BOARD OF DIRECTORS 22 MANAGEMENT TEAM

BRANCH AND EXTENSION OFFICES

PROGRAM OF ACTIVITIES
BJMPMBAI VIRTUAL 19TH ANNUAL GENERAL
MEMBERSHIP MEETING
JULY 4, 2020 (Saturday) 9:00 AM
“SERBISYO SA MIYEMBRO, LAGING NUMERO UNO!”
INVOCATION
J/SSUPT SERVILLANO P MAISO JR
C, BJMP Chaplaincy Service
NATIONAL ANTHEM
PRESIDENT’S REPORT
DIRECTOR ARMANDO M LLAMASARES
TREASURER’S REPORT
DIRECTOR DORIS R DORIGO
Treasurer/Member of the Board of Directors
READING OF ALL ACTS AND PROCEEDINGS OF THE BOARD
OF DIRECTORS AND MANAGEMENT
DIRECTOR ESTER APIN-ALDANA
Secretary, BOD

WELCOME REMARKS ANNOUNCEMENT OF AWARDS

DIRECTOR ARTURO W ALIT DIRECTOR SERAFIN P BARRETTO, JR
Chairman, Awards Committee
CALL TO ORDER
DIRECTOR ARTURO W ALIT INTRODUCTION OF THE GUEST OF HONOR AND SPEAKER
Chairman of the Board/Presiding Officer J/CSUPT CLARITO G JOVER (RET), Ph.D., CESO V
General Manager, BJMPMBAI
DETERMINATION OF QUORUM
DIRECTOR ESTER APIN-ALDANA
MESSAGE OF GUEST OF HONOR AND SPEAKER
Secretary, BOD
J/DIRECTOR ALLAN S IRAL, CESE
Chief, BJMP
APPROVAL OF THE AGENDA FOR THE 19TH ANNUAL
GENERAL MEMBERSHIP MEETING VIRTUAL RAFFLE

APPROVAL OF THE MINUTES OF THE 18TH ANNUAL ADJOURNMENT

GENERAL MEMBERSHIP MEETING DIRECTOR ARTURO W ALIT

J/CSUPT CLARITO G JOVER (RET)

General Manager/Master of Ceremony
 Republic of the Philippines
Department of the Interior and Local Government
Bureau of Jail Management and Penology
144 Mindanao Avenue, Project 8, Quezon City

I n all of the BJMP MBAI’s19 years, I never thought that one day, a general assembly would be
virtual, like what we are doing today. Ibig sabihin po nito, gagawa at gagawa ang BJMPMBAI
ng paraan, upang masegurong tuloy tuloy ang pagseserbisyo nito, sa ating mga miyembro.

Sa kabilang banda, hayaan niyo rin po muna akong mabigyan kayo ng ilang mga update tungkol
sa kaso ng COVID-19 sa ating mga pasilidad

Mayroon na lamang po tayong 153 na aktibong kaso ng COVID-19 sa PDL mula sa

907 na naitalang kaso sa ating mga pasilidad Patuloy po natin silang inaalagaan
katulong ang ibang mga ahensiyang pamahalaan.

Samantala, 50 na lamang ang kaso ng COVID-19 sa ating mga personnel mula sa

162 na naitala nating kaso. Nagpapasalamat tayo at patuloy po na dumarami ang
recoveries natin.

May mga nagpaabot na rin po ng tulong sa ating mga kasamahan na nagkasakit at

kasama po rito ang BJMPMBAI.

Kaya naman, lubos akong nagpapasalamat sa BJMPMBAI.

I would like to express also the BJMP’s appreciation to BJMP-MBAI’s attention in

improving the health and wellness of its members by institutionalizing a free annual
physical examination. Napakalaking bagay po para sa ating mga miyembro ang mga
programang eto ng ating BJMP-MBAI. Lalo nating napatunayan na ang BJMP-MBAI ay nananatiling matapat na kaagapay sa lahat ng
panahon: krisis man o ginhawa.

On the other side, with COVID-19 plaguing our day-to-day business, we are compelled to reorganize our actions for a new normal,
reposition our resources to fit new needs, and redirect our association’s strength to responding to our members’ immediate necessaries.

Now that we are all in this assembly to give account of our past year’s doings and their outgrowths, I may as well speak of my hopes for our
beloved members. I am looking forward to seeing the adjustments in the implementation of and delivery of the association’s products
and services due our members, contactless and seamless transactions with the management staff, timely release or dispensation of the
services requested by the members, and more members’ information and education opportunties through series of webinars.

Let us continue to be inspired and find ways to make life easy for our members while they do their best as public servants because they
are counting on us.

Gaya nga po ng tema natin ngayong taon, ang BJMPMBAI, basta serbisyo sa miyembro, numero uno.

Sa ngalan ng 17,716 na kawani ng BJMP na miyembrong BJMP-MBAI nakikibahagi ako sa labing-siyam na taong tagumpay ng ating
asosasyon!

Maraming salamat pol

ALLAN SULLANO IRAL, CESE

Jail Director
Chief, BJMP
 Bureau of Jail Management and Penology MUTUAL BENEFIT ASSOCIATION, INCORPORATED
144 Mindanao Avenue, Project 8, Quezon City
T oday is the fourth of July,
2020. Several years ago, we
commemorated July 4 as our
independence day but have changed it
to June 12. We now observe this date as
a remembrance of our friendship with
the United States of America; but for
the Americans, it is a celebration of their
independence which they acquired in 1776
from their motherland- the Great Britain.
We are here to celebrate, not
those events, but our 19th
Annual General Membership
Meeting. This is indeed
an auspicious date that
inspite of the threat
of COVID-19, Divine
Providence, allowed us
the opportunity to come
together, albeit, thru
distance technology.
We should be staying unperturbed in the comfort of our homes but we
chose to be together to once again relish the accomplishments we achieved
in the previous year, after about three months of physical distancing.
On a side note, I am just wondering why they call it “social distancing”,
instead of “physical distancing”. The term “social distancing” denotes
a stratified society; a society with sectors distinctly different from one
another, like: the rich from the poor; the royalties from the commoners; or,
the “white supremacists” from the “colored subalterns”.
“Social distancing” evokes a distinction between groups in society,
with one part seemingly superior than the other. It is I believe, a misnomer
just like the use of the term color-coding, when it is actually number-coding.
Anyway, this pandemic which has caused global dysfunction, has
brought me to thinking deeply- are we really observing the ultimate
approach in attaining our organizational objectives?
Let me lay down the premise.
When COVID-19 reared its ugly head, I was of the thought, that this
disaster would bring humanity together in its fight against a common
unseen enemy; that this would bring out the best in all of us; that all of
Homo sapiens would coalesce and move as one in the war against this
disease; that mankind, would humbly seek Divine intervention to help us
thru this calamity.
But if we are to delve into the daily news, in social and print media, in TV
and radio broadcasts , we will read and hear so much hatred- each one trying
to outshine the other. There is an extreme craving for social amelioration
money- sweeping aside the person’s focus on his defenses against the
malady, and instead, anger and distrust against some government officials,
and other personalities, have become the mood instead of love and
compassion for one another. There is too much grandstanding and debate,
about a TV frequency franchise - that it is becoming a national drama;
nay, a national tragedy, fueling further polarization among the citizenry;
diminishing and deflecting public awareness away from the more pressing
and critical issue at hand; and supplanting the legislative attention to enact
measures, in order to address the pandemic.
There is an extraordinary emphasis, given to so-called “essentials” -
like- the proper and healthy diet to boost the immune system; at least 20
seconds washing of hands; wearing masks as the new normal; avoiding
crowds and big gatherings; physical distancing; staying home for the
elderly and the youngsters; sleeping at least 8 hours a day, exercising, and
maintaining the right body weight and etc.
I am not saying that we ignore these medical protocols...these, are
indeed necessary, and mandatory.....but....derogating spirituality as a
“non-essential”?......limiting attendance to the house of worships to only a
handful? This is something we need to reflect on.
Last week’s homily should jolt us to our senses. Jesus said, “He who
loves his father or mother, or son or daughter more than Me, is not worthy
of Me”. And yet,we give 99.9 percent attention to physical sustenance for
the assumed “poorest of the poor”; the heavily laden “ no-work-no-pay
workforce”, but so little, as point .1 percent to the spiritual nourishment of
the faithful. We are concerned so much on worldly matters, forgetting that
we have a battle to be won; a race to be ran, and a faith to be strongly held
on to. At the end of the day, can we,like St Paul, also say, “I have fought the
good fight, I have finished the race, I have kept the faith?
In the same manner, the BJMPMBAI’s direction, although apparently
VERY exemplary, as would be proven and presented by the subsequent
speakers; and, I would even daresay, we have gone so far ahead...SO
FAR AHEAD than other MBAIs, in the material services we render to our
members,...but all these achievements appear too feeble when we try to
consider the ethereal side of our service.
This crisis is supposed to be the furnace to purify our characters.
And as disciplined uniformed personnel that we are, and have been, it is
expected that we will rise above the storm. But sadly, just like the national
moral compass, our conduct and priorities veer more towards materialism
that we sometimes forget the rules of decency.
We need to do more than to provide material benefits; not only
material benefits “from womb to tomb”; not only material benefits “from
erection to resurrection” but more than the material, we need to provide
incorporeal benefits, “from creation to salvation”.
We need to effect internal transformation among all of us- management
and members; to define and improve the manner by which services
and financial helps are humbly and generously given; and conversely,
respectfully accepted and appreciated; and that the services and temporal
benefits provided are not merely borne out of duty or obligation but are
fruits of charity shared among fellow men.
I am not here to pontificate. As I look around this room, and conscious
of the thousands more in internet attendance, I know I am the worst
sinner , hence has no iota of right to claim moral ascendancy. I merely
want to share an observation with the hope that together, we can come
up with the CORRECT forward azimuth in our life’s travel, so that riding
on that correction, just like the correction in the stock market, we may be
able to earn a profit- the profit which is the INDEPENDENCE from worldly
desires. And with that freedom, we will be ready to accept whatever dire
consequences the corona virus may bring.
We will be taking this, as a parallel approach and the dominant
path in conducting our programs in the succeeding years. I therefore
urge everyone to wrap their minds around this new perspective and
non-temporal enterprise as we now congregate to review the past year’s
achievements of our MBAI.
Having sketched the roadmap to our organization’s forthcoming
strategy, allow me to bid each and everyone a COVID-free, and warm
welcome to our 19th annual general membership meeting.
Relax, enjoy, and keep a mental connection while maintaining a
physical distance.
Good morning and have a pleasant day.
DIRECTOR ARTURO W ALIT
Chairman, BJMPMBAI BOD

MINUTES OF BJMPMBAI 18TH ANNUAL GENERAL MEMBERSHIP MEETING (AGMM)
ON JULY 6, 2019 AT 8:00 A.M. HELD AT MICROTEL, UP AYALA TECHNOHUB,
COMMONWEALTH AVE., DILIMAN, QUEZON CITY.
I. ATTENDANCE
Present
Director/Chairman Arturo W Alit
Director/Vice Chair Diony D Mamaril
Director/President Armando M Llamasares
Vice President JCSupt Romeo L Ogoy
Director/Secretary Ester Apin-Aldana
Director Emeritus Victorino M Onato
Ind Director Antonio O Gerente
Also Present
13 Members of the Board
135 members physically present at the hall
7,682 members represented by proxies
II. PROGRAM PROPER
1. Acknowledgement for Incumbent Board of Directors, Officers & Others;
General Manager Clarito G Jover, Master of Ceremonies
acknowledged the presence of the Board of Directors and individually
announced their names. He also acknowledged the presence of BJMP
Regional Directors, BJMP Regional Executive Senior Jail Officers, the
BJMP MBAI Extension Offices In-Charge, the Guest Speaker and members
physically present at the hall.
2. Invocation/Singing of the National Anthem;
After the acknowledgement, the Emcee requested Independent
Director Antonio O Gerente to lead the invocation after which the
Philippine National Anthem was sang by all present.
3. Welcome Remarks of Chairman of the Board;
Director Arturo Alit, Chairman of the Board, greeted all those present
in the assembly and opened his remarks and stated the reason for the
gathering. He said that if the Association was a human entity and a lady
at that, the assembly would be celebrating its debut or first appearance
before society or the induction of a women into the mainstream of
community. He said that since the BJMPMBAI was a service organization
with 18 years of existence, it could be said that it was her first entry into
the league of players of finance services. He continued that even if it was
not the eighteenth years of existence, the BJMPMBAI had been playing
with the mutual benefit associations like the AFP, the PNP, the marines the
navies and the air force, and even during the time of its infancy, it could
be said that it was a “trail blazer” that dared to go where other men were
afraid to travel. He also described the BJMPMBAI as a “star trekker” that
dared to do where other MBAIs have not done before and described the
Association as initiator, forerunner or explorer. He then told the story of
a young officer who was a member of the AFPMBAI and the BJMPMBAI
that died early. He continued that the AFPMBAI gave his family a measly
amount as financial assistance while the BJMPMBAI gave his heir the
amount of more than P240,000.00, an amount more than Three (3) times
given by AFPMBAI. He also told about the “Bicutan siege” where the PNP
5
Director Serafin P Barretto Jr
Director Rosendo M Dial
Director Alfredo D Soliba Jr
Director Allan S Iral
Director Arnel S Romero
Ind. Director Romelyn L Medina
Absent
Director Treasurer Doris R Dorigo - Official mission to Indonesia
Director Leopoldo D Morante Jr - On official sick leave
Director Jose A Esmeralda III - On official sick leave
lost three members. The BJMPMBAI gave financial assistance also three
times more than that given by PNP to their members and this resulted
for AFPMBAI, PNPMBAI, Fire and other mutual benefit associations to
review and adjust their benefits to their members to conform to that of
the BJMPMBAI. He continued that this happened during the infancy stage
of the Association which started with P100,000.00 asset but then again
learned from experience just like a growing boy and now have a P1.7 Billion
assets. He then told four (4) stories about kids to show how kids react
and exhibit their almost innocence attitude towards life that sometimes
displayed logic in a simple way and cited the bible about innocence
(Mathew). He also told how the BJMPMBAI grew into adulthood with new
products and services offered to the members without additional cost
which he said would be explained by the Legal Officer. He finally welcome
all those that attended the 18th BJMPMBAI Anniversary & Annual General
Membership Meeting and ended his message.
4. President’s Report;
After acknowledging the message of the Chairman, the emcee
requested the President of BJMPMBAI, Director Armando M Llamasares
to render his report.
Dir Llamasares after recognizing the presence of the Principal
Speaker, the members of the Board and Officers, Senior Officers of
the BJMP, the BJMP Regional Directors, visitors and all those presents
rendered his report.
The complete President’s Report was enclosed in the BJMPMBAI
Annual Report attached to this Minutes of Meeting and considered part
and parcel of the Minutes of the 18th General Membership Meeting and
Annual Report for 2019.
5. Presentation of Awards.
The Emcee informed the members of the presentation of awards
for BJMPMBAI Outstanding Extension Office, BJMPMBAI Outstanding
Extension Office-In-Charge, Long Service Award and a Posthumous
Award. He requested the main speaker, Chief, BJMP Dir Allan S Iral,
assisted by Chairman of the Board, Dir Arturo W Alit and the Chairman of
the Awards Committee, Dir Serafin P Barretto Jr to hand- over the awards.
 6
Those that received the plaques plus P10,000.00 or P5,000.00 cash were the
following:
Best Extension Office Award: - Region IX
Outstanding Extension Office-In-Charge: - JO1 Claire V Galavia Region XIII
Extension Office-In-Charge - SJ03 Ma. Connie Conte Region VI
Extension Office-In-Charge - SJ01 Farrah Joy Ramos Region IX
Extension Office-In-Charge - J03 Dexter Fulguerinas Region XI
Those that received Long Service Plaques and cash were the following
employees that rendered at least 15 years of service:
Ms Vivienne B Quijoy Ms Lyn T Nava
Ms Cherylle P Benavidez Ms Loce T Flores
Mr Norberto S Abuda, Chief Administrative Officer received the
Posthumous Award in behalf of the wife and children of Isagani Cordova, a
former employee.
6. Introduction and Message of the Main Speaker;
After the awarding ceremonies, the emcee requested President Dir
Armando M Llamasares to introduce the main speaker.
Dir Llamasares described the main speaker, CSupt Allan S Iral, C,BJMP
as a simple man, a well-trained administrator, a manager with high level of
expertise on human resource management in jail operation and logistic. He
continued that Dir Iral graduated with a degree of Education cum laude at
University of San Jose Recolletos at Cebu City in 1989 after which he entered
the Philippine National Police Academy and graduated in 1994 and thereafter
joined the BJMP. Dir Llamasares reported that Dir Iral earned his master’s
degree in Management at Philippine Christian University in 2001 and passed
different Civil Service eligibilities and a recipient of “Lakan” Award at PNPA. He
continued that Dir Iral received several awards as an officer of the BJMP and
thereafter presented Dir Iral.
Dir Iral gave thanks to all members of the BJMPMBAI and recognized
the fact that without them he could not attained his present position. He
recognized the awardees’ efforts to excel in their respective positions that
showed positive outlook in life. He also recognized the presence of Dir Ester
Apin-Aldana, the BJMPMBAI Board of Directors headed by Dir Arturo W Alit,
the BJMP Regional Directors and the retirees. He told the members how
fast the time move as he recalled that it was not so long when he was in the
lower hierarchy of BJMP, but suddenly found himself as the new Chief, BJMP.
He thanks Dir Alit for appointing him as Warden of Davao City Jail when Dir
Alit was then the C, BJMP and think about it as stroke of luck. He described
the BJMPMBAI yearly celebration as the same for years except for one- that
it remained to be strong. He said that the journey of the BJMPMBAI was not
that easy, but due to sheer display of endurance, hard work and innovations
started by the late Atty Ramon A Abenir together with founding Chairman
Dir Alit in 2001, the BJMPMBAI grew from almost scratch to P1.7B institution
today. He also gave recognition to the Senior Officers of the Association, the
members of the Board of Directors, including the BJMP Regional Directors and
retired Senior Officers. He once again congratulated the BJMPMBAI employees
that rendered at least fifteen (15) years of service to the Association.
Dir Iral reported that it was always a great privilege to be part of
the BJMPMBAI celebration as he joined its 18th year of providing service
and assistance to members and recalled how he, the other officers and
beneficiaries witnessed how the Association became today. He narrated that
when RA 8291 excluded those in the uniform service from the coverage of
insurance by the GSIS, it forced the BJMPMBAI to search for protection and
tied- up with other institutions that led to the establishment of the Association
and the retirement program in the uniform service. He recognized the 15,000
members that stick to the Association and helped it grew. He added that when
the members sanctioned the first deduction in their salaries and
became official members, it was not only their money that they gave
to the Association but also their trust that kept the Association alive
and going. He said that all members gave their trust and invested
to BJMPMBAI that now grew and considered owned by members
because all of them were benefited from it. He added that many would
say that they did not felt any benefits, but many members would say
otherwise; those that had been hospitalized, those provided with
cash relief under the Health Care Program, those that passed away
and received their insurance plan, those that were able to construct
their houses because of the real estate loans, children sent to schools
because of the educational loans granted to members and all these
benefits was a demonstration that BJMPMBAI is alive. He told the
members to consider the monthly premium deducted from their
salaries as investments and advised the members not to fall into
scam and told the different strategies of other lending companies
to attract members to avail of loans and advised them not to fall
into temporary solutions or “band aid” remedies but for long term
solutions and be wary of scams. He urged the members to rely on “T
E S” or Think, Examine and Study if they were planning to invest. Dir
Iral also addressed his co-officers to contribute to the development
of the members and advised them to invest in MBAI as he expressed
the theme celebration which was “Serbisyo, Hindi Negosyo” and
“Sa BJMPMBAI, Nakasisiguro Ka Na, May Dagdag Benepisyo Pa”.
He added that the success of an Association could not be gauged on
how long it existed nor the profits it earned but on the smile of its
members because of needs met and families helped- and for this the
BJMP was grateful to the BJMPMBAI for being a partner on its duty
of serving persons deprived of liberties and the BJMP assured its full
support to continue to provide the services to its members now and
in the coming years, “kasi the BJMPMBAI hayahay ang buhay” and
once again congratulated the BJMPMBAI.
7. Awarding of Plaque of Appreciation to the Main Speaker;
Chairman Dir Alit, President Dir Llamasares and Vice-Chairman
Dir Mamaril presented to the Main Speaker C, BJMP Dir Iral the
Plaque of Appreciation.
After the presentation, the Emcee said that the Main Speaker
was one of the incorporators of BJMPMBAI in 2001 composed of
CSupt Arturo W Alit, SSupt Antonio Cruz, SSupt Vicente Encarnacion,
SSupt Jose Esmeralda, SSupt Leonardo Encinas, SSupt Armando
Llamasares, SSupt Mercedes Foronda, Supt Gloria Nocedo, C, Insp
Doris Dorigo, C, Insp Allan S Iral, Atty Ramon Abenir Jr, Atty Ahmed
Nacpil, Ms Ester Apin-Aldana, Mr Arnel Romero, and SJ04 Juanito
Sarmiento Jr.
8. Closing Ceremony.
The Emcee requested Vice-Chairman Director Diony D Mamaril
to render the closing remarks.
After acknowledging all those present, Dir Mamaril told the
audience about the “Ponci Scheme” from the United States which
means that one had to work to earn money and later on make
investment only to be cheated in a scheme. He told how men find it
hard to look for ways to pay their loans unlike in the BJMPMBAI where
the members “Ay Nakasisiguro Ka Na, May Dagdag Benepisyo
Pa!”. He informed the audience of different schemes by lending
companies to attract borrowers while borrowers continue to borrow
bigger amounts as their salaries increased that tended to become
a cycle and discouraged the habit and advised the members to
think of the future and refrain from borrowing every now and then.
He encouraged the members to study the social media to expand
services and well informed of what was happening around us. He

advised the young members to start a business to augment the income
and don’t wait till retirement because no one could earn overnight, while
invest the benefits that was received to MBAI, Coop or SLAI and always
think of retirement that does not relied on your children. He then asked
the audience what is the perfect man and answered it by enumerating
what a good man should do in his everyday life. He then asked where one
could find a perfect man and answered it by simply saying that it could be
found in jail and thereafter closed his message.
III. MEETING PROPER
1. Determination of Quorum;
The Chairman requested from Secretary if there was quorum to
conduct business.
Dir Ester Apin-Aldana informed the Board that out of the seventeen
members of the Board, three were absent; Dir Doris R Dorigo who was
on official mission to Indonesia, Dir Leopoldo Morante who was also on
official leave and now at the USA, and Dir Jose A Esmeralda III who was
on sick leave. She added that there were 135 members present in the
hall, while 7,682 sent proxies to represent them. He continued that out
of the 15,136 members, 7608 were present to include the proxies for the
18th Annual General Membership Meeting pursuant to Section 2, Art X
of the Association’s By-Laws. She continued that notices of the meeting
were posted in the BJMP National Headquarters, Regional and Provincial
Offices 30 days before July 6, 2019 in compliance with Section 3, Article X
of the amended By-Laws. She said that the BJMP Regional Directors and
Regional Executive Senior Jail Officers were also notified of the meeting in
a letter of the President dated June 3, 2019 and requested to give widest
dissemination about the date of the meeting in their area of jurisdiction.
She then informed the Chairman that there was a quorum.
With the information, the Presiding Officer called the meeting to
order.
Dir Alit called the attention of the Board to the Minutes of Meeting
of the 17th Annual General Membership Meeting held on July 7, 2018 for
comments. Dir Diony D Mamaril moved for the deferment of the reading
of the Minutes of the last General Membership and moved for approval
which was seconded by Dir Serafin P Barretto.
The Presiding Officer called for any comment and hearing none,
pronounced the Minutes of the last Annual General Membership meeting
approved. After the pronouncement, he called the attention of Dir Ester
Apin-Aldana to read all Resolutions approved by the Board from June
2018 to May 2019.
As requested, Dir Aldana read the thirty (30) Resolutions approved by
the Board from June 2018 to May 2019 which was simultaneously flashed
in the screen for ratification of the General Membership. After reading
all the resolutions, Dir Aldana particularly mentioned two resolutions
that best presented the true meaning of the year’s theme anniversary
“Sa BJMPMBAI, Nakasisiguro Ka Na, May Dagdag Benepisyo Pa!” and
pledged more benefits to the members for the years ahead. She then
presented the resolutions passed and approved by the Board before the
General Assembly for ratification.
Dir Armando M Llamasares moved for the approval of all thirty (30)
resolutions passed and approved by the Board which was seconded by
Dir Rosendo M Dial. Without objection, the motion was pronounced
approved.
Dir Alit requested Dir Barretto Jr to make report on the BJMPMBAI
Audited Financial Statement Report for year 2018 considering that the
Treasurer, Dir Doris R Dorigo was in Indonesia on official travel.
7
Dir Barretto congratulated the members and described them as the
“true owners of the Association” and assured them of more benefits
particularly hospitalization cash benefits and annual physical examination
which drew applause from the members. Dir Barretto proceeded to
render the Annual Financial Report.
He said that for the year ended December 31, 2019, the current asset
of the Association increased by almost 32% while the non-current asset
also increased by 21% that meant very high productivity and efficiency in
managing BJMPMBAI assets. With regards the loan portfolio, Dir Barretto
reported that it increased by 47% that showed MBAI has more clients
and improved operations for the year and cited the number of members
which was served by the Association. As to Treasury Bonds, he said that
the Association was able to earn P13M from interest and as to the asset,
he said that it recorded a 21.3% increase, from P1.44 billion to P1.74
billion. He invited the attention of members on Current and Non-Current
Liability of MBAI and explained the corresponding ratio of liabilities and
the availability of short term assets of the Association as the debt ratio
of 0.42 meant that MBAI was less dependent on bank loans while the
debt equity ratio was 72.3 or that the Association was more dependent
on its own equity. As to Equity, he said that it increased to 20.8% with
capitalization ratio of 42% or that the equity level was low. He concluded
that the Association has an average monthly income of P11.4M after
realizing a total P137M net income and cited different causes why
the Association failed to collect from some borrowers but remained
optimistic that the past accounts could still be collected to be returned to
the coppers of the Association. He urged the members as partners to help
the Association to trace the delinquent borrowers. He concluded and said
that the Association realized a total net income of P177,132,413.00 for
2018 that showed hard work by officers that would ultimately redound to
members as benefits. He then gave thanks to the Lord and the members
for the successful operation of the members and ended his report.
Dir Iral moved for approval of the Audited Financial Report of the
Association, seconded by Dir Mamaril. Dir Alit called for any comment
from the members and hearing none pronounced the Audited Financial
Report of the Association approved.
The Emcee informed the members of the additional benefits
extended to members and requested Atty Roy Valenzuela to relay to
the members the additional benefits. Dir Alit requested the members to
listen to the message of Atty Valenzuela for they would be the messenger
of good news to the members in the field.
Atty Valenzuela said that he was tasked to discuss one of the part of
the theme which was the side of …”May Dagdag Benepisyo Pa!” which
showed how stable was the Association. He mentioned the benefits as
three add- on products as the Educational Plan, the Health Care Program
(APE) and the Memorial Service and Life Insurances that were extended
to active, dependent, retirees and Associate members. He informed
the members of the Annual Physical Examination, the Hospitalization,
the Cash Benefit Assistance which where all given to members free. He
continued that because the Association was concerned with the health
of its members, the Association provided them with Health Maintenance
Coverage and Cash Benefit Assistance. He said that for the first 3 days of
confinement of the member, he shall receive a P15,000.00 cash assistance
and if the confinement was extended up to 30 days, the members
received a one- time maximum assistance of P60,000.00 in a year and
this was without any cost from members and it already cost more than
P2M from the Association with more than 100 members benefitted from
the assistance. As to the Annual Physical Examination the Association
tied with High Precision Diagnostic Center to provide the laboratory
examination of the members. He paused and asked the members if they
have any question regarding the benefit as Dir Alit further elaborated
the benefits as a matter of life and death or serious cases that affected
 8

the members and could only availed of once a year and all members, After the explanation of Dir Alit, Atty Valenzuela discussed the
whether active or regular member, associate and retirees could avail the Scholarship Plan benefits for deserving dependents members which
benefit. He added that new members could avail it if they were already were the Suma Plan which was a 5 year college educational plan worth
members for 1 year and as to the question of a member, Dir Alit said that P112,699.00 but would mature in seven years and the STI College
if confined, the member must coordinate with their respective RESJO that Education Plan worth P147,053.00 would mature 30 days after purchase,
would make a spot report to BJMPMBAI and if the member was confined and that these plans could be availed of by children of the members who
for several days, appropriate amount of assistance would be extended were qualified but the Committee would promulgate the rules of the
to him/her. He clarified that the assistance given by BJMP Management benefits.
was different from that of the BJMPMBAI, however, the following year
if the same member was again affected by an illness or was involved in Dir Alit stressed that the STI plans could be availed only in STI
an accident, the benefits would only be P1,500.00 daily allowance for a owned educational institutions and could be availed by only one child
maximum of 30 days. He cautioned the members of committing fraud of the member and the rules would be promulgated by the concerned
because the BJMPMBAI would file a case against them before the BJMP Committee.
Management and mentioned the experience of BJMPMBAI during the
“Typhoon Yolanda”. Dir Alit announced that the new insurance coverage being studied
by the Board would be until 100 years and also mentioned about the
Dir Alit informed the members that the Association would create a withdrawal of equity by some members.
Committee that would come up with the rules governing the benefits
given to members that would be provided to RESJOs and also it would be IV. ADJOURNMENT
included in the issue of the Providers.
With no other matters to be discussed as calendared, Director Onato
Atty Valenzuela added that the payment would be done in the moved for the adjournment of the meeting which was seconded by Dir
first three days of confinement and the rest after the confinement and Mamaril.
proceeded to discuss the Annual Physical Examination required to
active members. He continued that the Association provided the free Without opposition, the Presiding Officer pronounced the meeting
APE to members to ease the burden of the members of spending hard adjourned.
earned money for the examination and the Association contracted High
Precision Diagnostic Center to do the examination which was accredited
by DOH and with 22 branches in Metro Manila, 7 in Visayas, 3 in Mindanao
and several affiliated Diagnostic Center nationwide. As to the retirees and
Associate members, they could avail of an annual check-up in lieu of the
physical examination. For information of the body, he mentioned the
examination that would be provided to members by HP tailored to BJMP
members and if there was no HP in their regions, an alternative diagnostic Prepared by:
center would be identified for the examination and this would continue
starting 2020 onwards.
Director Ester Apin-Aldana
After the discussions on the APE, Atty Valenzuela discussed the Secretary, BOD
Memorial Service worth P50,000.00 of BJMPMBAI which would be
provided to members free of charge. He added that the Association
paid each 44 memorial plans in spot cash in a month and explained the
named and the unnamed memorial plan and said that it included a life
time insurance equivalent to the face value of the Plan and accidental
death and disability insurance but the service would be provided only
their accredited mortuary, but it could be availed in other mortuaries if
there was no Philplans accredited mortuary provider in the area. He said
that the named memorial plan was already in the name of an individual DIRECTOR ARTURO W ALIT
when it was purchased and included an insurance unlike the unnamed Chairman, BJMPMBAI BOD
memorial plan which was not immediately given to a certain person after
the purchase and did not carry an insurance and the Association was
spending P2.2M every month to purchase the 44 number of memorial
plans which could be availed of by every members and the additional
benefit in the named plan was the group term insurance without
restriction as to age which was an additional benefit that would be
received by the heirs of the members. He added that additional benefit Noted by:
was the plan that was acquired with Accidental Death and Disability
which would receive by the survivor.

Dir Alit clarified that if the members died not because of accident,
he would receive the amount of P50K funeral services and if named, plus
Director Armando M Llamasares
the insurance benefit, however, if the member died because of accident, President
the survivor would receive an additional amount of P100,000.00. He
added that the funeral service would only amount to P50,000.00 and any
amount incurred by the family in excess of the amount would shoulder
by them.

BJMPMBAI PRESIDENT’S REPORT ON 19TH GENERAL
MEMBERSHIP MEETING AND ANNUAL REPORT 2019
T his is the 19th General Membership Meeting and Annual
Report of the Bureau of Jail Management and Penology
Mutual Benefit Association, Inc. (BJMPMBAI) that we are
celebrating today under the theme: “Serbisyo sa Miyembro, Laging
Numero Uno”! As such, we can claim to have realized the goals set to
be accomplished for the period falling within that span of time. It is
proven each time its accomplishment is surpassed by that which comes
after a previous as for the MBAI to savor every time also the pleasure
of being one of the finest mutual benefit associations. The core of
this worth is not bereft of truth that our Association is founded on the
returns of our labor that is made even more passionate by a desire to
improve somehow the level of its members’ social and economic state.
Nineteen years is more than just a time needed to prove our
perseverance, particularly because during that length of time there
were overpowering pressures, yet we stood strong as we have always
been to assert that our Association is not only intended to evince
endurance but also, and most of all, to attain specific success. We
cannot be shattered because our membership is a coagulation of firm-
willed individuals who cannot allow their Association to just go for
naught by refusing to get even thickly closer when circumstance tends
to break them up.
As I present this President’s Report on the affairs and status of our
Association from January 1, 2019, to December 31, 2019, in compliance
with Section 1, Article X of the Association’s Amended By-Laws, I deem it
proper to raise some as to serve an update for the general membership
to have enough understanding of what they need to know about what
goes on in their Association. Primarily, we now have a wider scope of
what we need to have in our operation considering the stature we have
earned before the eyes of our equals from the different sectors of our
community.
With the Board’s approval, the Association had taken lead of the
plentiful prospects for the growth of its possessions, particularly for the
advancement of the members making use of its products and services
by fine-tuning its processes for a trouble-free use. It had continued
extending assistance for ventures of unburdening members from loans
with excessive interest via its debt consolidation program.
9
Reckoned from the beginning of its incorporation, the Association
has struggled unhampered to make for itself the distinction of being
an alacritous bringer of mutual benefit services to its members in terms
of Insurance, Hospitalization, Health Care, Educational, Annual Physical
Examination, Medical, and Financial aid by way of its loaning packages.
Lately, in their desire to extend more primary health care benefits
for the members, the Board created the committee on Hospitalization
Cash Benefits Assistance (HCBA) that crafted the rules and regulations
in the implementation of the project seen as most suitable to address
the need for resources in times of dire need that is what happens when
being attended to in a hospital for treatment of sickness.
Without a doubt, these plusses could not have come that easy sans
the sincere involvement of all stakeholders - -from Associate members
made up of their kinsfolks - - to regular members who all worked to
improve the living condition of their families, as well as in pursuing
more welfare benefits for themselves and generally for the best interest
of the Association.
Progress is never attainable singly. It is always achievable only
when done jointly. To this end, the Directors of the Board have to play
their role in as intensely as allowable as they always have done thus by
not holding back their direction and insight to reach the Association’s
goal even during times when the sailing goes rough and tough.
It is just fit also for the Association to recognize in no uncertain
terms the unconditional espousal of its cause by the BJMP Chief,
Directors of Directorates, the Regional Directors, RESJO’s, the Extension
Offices’ In-Charge and the endlessly reassuring shepherding of the
Insurance Commission. Most of all, the Association cannot set aside
for another time the expression of its profoundest gratefulness to the
membership at large who, inspite of unintended inadequacies, have
continued to remain zealous and unstinting in going about with their
responsibilities as they help pursue the aims of their Association.
With numerous other quarters backing the Association, it will gain
more heights as to enable it to see through and securely the path in
the furtherance of its service as to ensure those under its motherly
care that the BJMPMBAI truly deserves a grand niche in mutual benefit
association endeavors as evidenced by praises bestowed upon it by the
Insurance Commission and its unbroken approval of the Association’s
renewal of license to operate.
 10

The BJMPMBAI grows unimpededly as the number of

its membership swells by 2166 or an overall of 17,636 as of
membership
December 2019. Its officers, including the RESJOS and In-
Charge of extension offices, have almost been one in convincing 18,000
likely entrants to register through information drives all over the
17,500
nation.
17,000
16,500
16,000
15,500
15,000
14,500
14,000
2018 2019
With the members’ continuing patronage, our total assets
have ballooned to PHP 2B as of December 2019 as against PHP
1.748B a year prior or a rise of around PHP282M. From January
assets
2019 to December 2019, 6,664 members secured loans that
resulted in loan releases amounting to PHP 1.320B. For the 2
numerous members availing themselves of the loan package,
1.95
the Association anticipates the figures to surge taking account
of a large array of low-interest loan products tendered for the 1.9
members to take advantage of. 1.85
1.8
1.75
1.7
1.65
1.6
Billions 2018 2019

The BJMPMBAI maintains coverage of the Credit

Life Insurance (CLI) meant to prevent members’ heirs
from being deducted in case of contingencies resulting LOANS
from outstanding loan balance. The Credit Life Insurance
1,400,000,000.00
assumes payment of the loan balance of a deceased
1,200,000,000.00
member. As such, any death benefit to be received by the
heirs is not bound to be deducted. 1,000,000,000.00
800,000,000.00
Many members are still unable to know what is 600,000,000.00
Equity. The equity is the amount set aside primarily as 400,000,000.00
members’ savings with the Association. Members must 200,000,000.00
remember that they are contributing a membership fee -
to the Association with one-half of the amount serving 2015 2016 2017 2018 2019
as payment for their insurance coverage while the other
half goes to the equity or savings. Savings are also
earning interest and can be withdrawn upon retirement,
resignation or in case of death. The equity, therefore,
serves as a financial security in such case as old age,
unemployment or even death of the member.
 11

The extent of the success of any organization is measurable

by the impression left in the lives of people involved in it.
INSURANCE CLAIMS
Incidentally, the BJMPMBAI is specially situated as to be a helpful
conduit by which the country’s progress may be interpreted as
20,400,000.00
intensely able to address and reduce poverty to allowable level.
Its ability to reach up to and hold contact with reliable sources 20,200,000.00
of knowledge on the changing needs of the citizens here and 20,000,000.00
around are instantly usable as to determine what measures
19,800,000.00
have to be done.
19,600,000.00
From January 2019 to December 2019, Fifty-five (55) 19,400,000.00
members passed away. Their beneficiaries were paid a total 19,200,000.00
of PHP 13,173,835.70 embodying the amount of insurance
benefits paid to their heirs and expected to lessen their worries 19,000,000.00
for the future at the time that their bread winners are not around 18,800,000.00
anymore to provide for their needs in life. Further, a total of PHP 18,600,000.00
6.209 million was released as payment of equities including
interests for members who retired, resigned, dismissed from 2017 2018
service and/or transferred to other agencies.

EQUITY RELEASED
(tERMINATED)
No matter how minimal I have narrated what ought to be
told to the general membership, I entertain no doubt even with
the least that was said, our Association remains to be appreciated 7,000,000.00
for having that radiant image of an organization standing up 6,000,000.00
high and above over all expectations of success that we, in it, all
5,000,000.00
desire to relish now and for all time.
4,000,000.00
3,000,000.00
2,000,000.00
1,000,000.00
-
2017 2018

I wish you all a cheerful and fruitful BJMPMBAI 19th Annual General Membership Meeting as it stands proud under the theme:
“Serbisyo sa Miyembro, Laging Numero Uno”!

Director Armando M Llamasares

President
12

Audited FINAnCIAL statements

statement of management’s responsibilIty
for financial statements
 13

BUREAU OF JAIL MANAGEMENT AND PENOLOGY

MUTUAL BENEFIT ASSOCIATION (BJMPMBAI), INCORPORATED
STATEMENTS OF FINANCIAL POSITION
As of December 31, 2019 and 2018

(In Philippine Peso) 2019 2018

ASSETS
Current Assets
Cash and Cash Equivalents 40,157,812 59,137,885
Accounts and Other Receivables 82,393,642 46,044,293
Loans Receivables 1,321,037,073 1,111,827,674
Total Current Assets 1,443,588,527 1,217,009,852

Noncurrent Assets

Available-for-Sale Financial Assets 70,141,638 20,416,107

Held-to-Maturity Investments 58,037,829 47,877,845

Accounts and Other Receivables 32,362,571 35,040,000

Loans Receivables 34,184,753 35,300,508

Property and Equipment, Net 392,052,359 392,400,647

Total Noncurrent Assets 586,779,150 531,035,107

TOTAL ASSETS 2,030,367,677 1,748,044,959

LIABILITIES AND EQUITY

LIABILITIES
Current Liabilities

Claims Payable 13,155,165 12,441,479

Basic Contingent Benefit Reserve 1,289,481 556,506

Liability on Individual Equity Value 720,035,770 616,471,010

Loan Payable - 35,000,000

Accounts Payable and Accrued Expenses 52,245,335 24,750,730
Total Current Liabilities 786,725,751 689,219,725

Noncurrent Liabilities

Other liabilities 42,408,205 44,712,068

Total Noncurrent Liabilities 42,408,205 49,885,145

TOTAL LIABILITIES 829,133,956 733,931,793

EQUITY

Members' Equity 36,577,204 32,749,660

Fund Balance 1,164,505,169 978,838,112
Fair Value Reserve on AFS Financial Assets 2,045,390 2,612,642
Remeasurement Reserve on Retirement Benefit (1,894,042) (87,248)
TOTAL EQUITY 1,201,233,721 1,014,113,166
TOTAL LIABILITIES AND EQUITY 2,030,367,677 1,748,044,959
 14

BUREAU OF JAIL MANAGEMENT AND PENOLOGY

MUTUAL BENEFIT ASSOCIATION (BJMPMBAI), INCORPORATED
STATEMENTS OF COMPREHENSIVE INCOME
For the Years Ended December 31, 2019 and 2018

(In Philippine Peso) 2019 2018

MEMBERS' FEES 170,548,606 155,504,174

DIRECT COSTS (72,554,143) (68,337,835)
GROSS INCOME 97,994,463 87,166,339
OTHER INCOME 241,726,576 221,117,837
INCREASE IN AGGREGATE AND EQUITY RESERVED (104,297,736) (92,971,047)
TOTAL GROSS INCOME 235,423,303 215,313,128
OTHER OPERATING EXPENSES (44,377,129) (36,626,112)
NET EXCESS OF REVENUE OVER EXPENSES 191,046,174 178,687,016
OTHER COMPREHENSIVE INCOME (2,374,046) (1,554,603)
TOTAL COMPREHENSIVE INCOME 188,672,128 118,190,336

BUREAU OF JAIL MANAGEMENT AND PENOLOGY

MUTUAL BENEFIT ASSOCIATION (BJMPMBAI), INCORPORATED
STATEMENTS OF CHANGES IN EQUITY
For the Years Ended December 31, 2019 and 2018

Fund Balance Remeasurement Fair Value

Reserve
Reserve on Retirement on AFS
(In Philippine Peso) Equity Unrestricted Restricted Benefits Investments Total
Balances at January 1, 2018 29,536,395 488,316,013 317,220,349 9,571 4,086,033 839,168,361
Additional Member's Contributions 3,259,523 3,259,523
Members Equity Withdrawal (46,258) (153,774) (200,032)
Payment of Equity Dividend (4,594,825) (636,667) (5,231,492)
Additional Restricted Funds (198,292,356) 198,292,356 -
Reversal of Restricted Funds 5,954,559 (5,954,559) -
Excess of Revenue over Expenses 178,687,016 178,687,016
Remeasurement Gain/(Loss) Retirement
Benefit (96,819) (96,819)
Fair Value Loss/Gain Reclass to Profit or
loss during the year (15,607) (15,607)
Fair Value Loss/Gain on AFS Investment (1,457,784) (1,457,784)
Balances at January 1, 2019 32,749,660 469,916,633 508,921,479 (87,248) 2,612,642 1,014,113,166
Additional Member's Contributions 3,827,764 3,827,764
Members Equity Withdrawal (220) (220)
Payment of Equity Dividend (5,379,117) (5,379,117)
Additional Restricted Funds (111,073,462) 111,073,462 -
Reversal of Restricted Funds 455,188 (455,188) -
Excess of Revenue over Expenses 191,046,174 191,046,174
Remeasurement Gain/(Loss) Retirement (1,806,794) (1,806,794)
Benefit
Fair Value Gain Transfer to Profit or loss
during the year - -

Fair Value Loss on AFS Investment (567,252) (567,252)

Balances at December 31, 2019 36,577,204 544,965,416 619,539,753 (1,894,042) 2,045,390 1,201,233,721
 15

BUREAU OF JAIL MANAGEMENT AND PENOLOGY

MUTUAL BENEFIT ASSOCIATION (BJMPMBAI), INCORPORATED
STATEMENTS OF CASH FLOWS
For the Years Ended December 31, 2019 and 2018

(In Philippine Peso) 2019 2018

CASH FLOWS FROM OPERATING ACTIVITIES

Net Excess of Revenue over Expenses 191,046,174 178,687,016
Adjustments for:
Increase in Equity Value Reserve 103,564,760 92,716,294
Increase in Aggregate Benefit Reserve 732,975 254,754
Interest Income Earned (231,767,808) (202,208,101)
Retirement Expense 881,254 756,182
Depreciation and Amortization 455,965 802,012
Amortization of Premium (73,387) (25,443)
Provision of Allowance for Credit Losses 4,380,000 4,380,000
Operating Income before Working Capital Changes 69,219,933 75,362,713
(Increase)/Decrease in Assets:
Accounts and Other Receivables (38,051,920) (9,888,482)
Loans Receivables (208,093,644) (368,575,651)
Increase/(Decrease) in Liabilities:
Claims Payable 713,686 5,719,664
Accounts Payable and Accrued Expenses 27,494,605 (4,156,260)
Net Cash Used in Operating Activities (148,717,340) (301,538,016)

CASH FLOWS TO INVESTING ACTIVITIES

Interest Income Received 231,767,808 202,047,913
Acquisition & Disposal of AFS Financial Assets, net (50,292,783) (6,284,251)
Acquisition/Payment of Property and Equipment (107,677) (1,544,303)
Acquisition of Intangible Assets - -
Acquisition & Redemption of HTM Investment, net (10,086,597) -
Net Cash Provided by Investing Activities 171,280,751 194,219,360

CASH FLOWS TO INVESTING ACTIVITIES

Changes in Members’ Equity 3,827,544 3,213,265
Availment/(Payments) of Bank Loan (35,000,000) 35,000,000
Equity Dividends Paid (5,379,117) (5,385,266)
Increase/Decrease) of Other Liabilities (4,991,911) (3,883,526)
Net Cash Provided by / (Used in) Financing Activities (41,543,484) 28,944,473
NET INCREASE (DECREASE) IN CASH (18,980,073) (78,374,183)
CASH AND CASH EQUIVALENTS, JANUARY 1 59,137,885 137,512,067
CASH AND CASH EQUIVALENTS, DECEMBER 31 40,157,812 59,137,885
 16
RESOLUTIONS of the BOARD of DIRECTORS
(For the period June 2019 to May 2020)
• RESOLUTION NO. 19-19-01, DATED 26 JULY 2019
Resolution Appropriating Ten Million (PHP10,000,000.00)
Pesos and Two Million (P2,000,000.00) as Additional
Investments at SUNLIFE Financial and to Government
Treasury Bonds Respectively.
• RESOLUTION NO. 19-19-02, DATED 26 JULY 2019
Resolution Updating the Signatories to BJMPMBAI Checks by
Designating and Authorizing Ms Vivienne B Quijoy BJMPMBAI
Chief Operation Officer as Additional Signatory.
• RESOLUTION NO. 19-19-03, DATED 26 JULY 2019
Resolution Authorizing the BJMPMBAI Extension Office
at Region VIII to open a Bank Account at LandBank of
the Philippines Located at Real Street Tacloban City and
Appointing the Signatories of Checks and Other Financial
Transactions.
• RESOLUTION NO. 19-19-04, DATED 26 JULY 2019
Resolution Lowering the Interest Rate on Salary/Regular Loan
to Eight Percent (8%) from Ten (10%) Percent and to Continue
to Waive the Two Percent (2%) Service Charge.
• RESOLUTION NO. 19-19-05, DATED 26 JULY 2019
Resolution Approving the Granting of Anniversary Incentive
Benefits to All BJMPMBAI Employees.
• RESOLUTION NO. 19-19-06, DATED 26 JULY 2019
Resolution Replacing the Signatories of BJMPMBAI Checks
and other Financial Transactions at its Extension Office at
Region ARMM.
• RESOLUTION NO. 19-19-07, DATED 26 JULY 2019
Resolution Replacing the Signatories of BJMPMBAI Checks
and Other Financial Transactions at its Extension Office at
Region 13.
• RESOLUTION NO. 19-19-08, DATED 26 JULY 2019
Resolution Replacing the Signatories of BJMPMBAI Checks
and Other Financial Transactions at its Extension Office at
Region 10.
• RESOLUTION NO. 19-19-09, DATED 15 AUGUST 2019
Resolution Entering into Cash Management Facility through
Credit Memo Validation (CMVAL) Facility with Land Bank of
the Philippines Quezon City Circle Branch.
• RESOLUTION NO. 19-19-10, DATED 15 AUGUST 2019
Resolution Authorizing Director Serafin P Barretto Jr,
Investment Manager to Withdraw Two Million Pesos
(P2,000,000.00) from the Income of the Association from
Mutual Funds and Common Stocks.
• RESOLUTION NO. 19-19-11, DATED 15 AUGUST 2019
Resolution Approving the BJMPMBAI Audit Committee
Charter.
• RESOLUTION NO. 19-19-12, DATED 15 AUGUST 2019
Resolution Replacing the Signatories of BJMPMBAI Checks
and other Financial Transactions at its Extension Office at
Region 4A.
• RESOLUTION NO. 19-19-13, DATED 15 AUGUST 2019
Resolution Replacing the Signatories of BJMPMBAI Checks
and Other Financial Transactions at its Extension Office at
Region 10.
• RESOLUTION NO.19-19-14, DATED 15 AUGUST 2019
Resolution Replacing the Signatories of BJMPMBAI Checks
and Other Financial Transactions At its Extension Office at
Region 11.
• RESOLUTION NO. 19-19-15, DATED 15 AUGUST 2019
Resolution Replacing the Signatories of BJMPMBAI Checks
and Other Financial Transactions at its Extension Office at
Region 13.
• RESOLUTION NO. 19-19-16, DATED 15 AUGUST 2019
Resolution Appointing and Authorizing the President Director
Armando M Llamasares to File a Petition in the Proper Court
to Cancel the Encumbrance on the Property Owned by the
Association.
• RESOLUTION NO. 19-19-17, DATED 20 SEPTEMBER 2019
Resolution Replacing the Signatories of BJMPMBAI Checks
and Other Financial Transactions at its Extension Office at
Region 10.
• RESOLUTION NO. 19-19-18, DATED 20 SEPTEMBER 2019
Resolution Replacing the Signatories of BJMPMBAI Checks
and Other Financial Transactions at its Extension Office at
Region 13.
• RESOLUTION NO. 19-19-19, DATED 8 NOVEMBER 2019
Resolution in Distribution of Surplus on the Twenty Percent
(20%) Free and Unassigned Fund balance of the Association
Per 2018 Verification of the Insurance Commission.
• RESOLUTION NO. 19-19-20, DATED 8 NOVEMBER 2019
Resolution Granting a YEAR-END Bonus to all BJMPMBAI
Regular Employees for Year 2019.
• RESOLUTION NO. 19-19-21, DATED 15 NOVEMBER 2019
Resolution Appointing SSUPT Carolina C Borrinaga (Ret) as
BJMPMBAI Compliance Officer.

• RESOLUTION NO. 19-19-22, DATED 15 NOVEMBER 2019
Resolution Appropriating an Amount Equivalent to Thirty
Percent (30%) of the Total Expenses to be incurred on
December 12, 2019 Joint Christmas Party Celebration to be
Held at MICROTEL UP Ayala Technohub along Commonwealth
Avenue As the Association’s Share.
• RESOLUTION NO. 19-19-23, DATED 15 NOVEMBER 2019
Resolution Authorizing the Inclusion of Several Sicknesses
and Diseases That Will Be Included in the Guidelines/Policies
of the Hospital Cash Benefits Assistance.
• RESOLUTION NO. 19-19-24, DATED 15 NOVEMBER 2019
Resolution Donating One Hundred Thousand Pesos
(P100,000.00) to the Bureau of Jail Management and
Penology (BJMP) for the Purpose of Purchasing Gifts Intended
for Christmas Party Raffle of BJMP Personnel/Members of the
Association.
• RESOLUTION NO.19-19-25, DATED 15 NOVEMBER 2019
Resolution Authorizing the Financial Assistance to Members
Whose Houses/Properties were Severely Damaged/Affected
by Earthquakes that Rocked Eastern and Central Mindanao
on October 29, 2019 and October 31, 2019.
• RESOLUTION NO. 19-19-26, DATED 15 NOVEMBER 2019
Resolution Authorizing the Adjustment of the Transportation
Honorarium of the Present Board of Directors.
• RESOLUTION NO. 19-19-27, DATED 12 DECEMBER 2019
Resolution Setting Aside and Appropriating a Certain Amount
from the Income of the Association as BJMPMBAI Budget for
Direct and Operating Expenses For Calendar Year 2020.
• RESOLUTION NO. 19-19-28, DATED 12 DECEMBER 2019
Resolution Distributing the 2016 and 2017 Free and
Unassigned Fund Balance of the Association as Verified by the
Insurance Commission.
• RESOLUTION NO. 19-19-29, DATED 12 DECEMBER 2019
Resolution Distributing the 2015, 2016 and 2017 Free and
Unassigned Fund Balance of the Association as Verified by the
Insurance Commission.
• RESOLUTION NO. 19-19-30, DATED 12 DECEMBER 2019
Resolution Appropriating the Amount of Twelve Million
Pesos (P12,000,000.00) to Purchase “PAYAPA PLAN” under the
Memorial Services of PHILPLANS to be Taken from the Free
and Unassigned Surplus of 2018 and Allocated as Benefits in
Kind and Relevant Services Pursuant to Resolution No. 19-19-
19 Dated November 8, 2019.
• RESOLUTION NO. 19-19-31, DATED 12 DECEMBER 2019
Resolution Increasing the Funding for the Information and
Education Campaign Drive of the Association.
• RESOLUTION NO. 19-19-32, DATED 12 DECEMBER 2019
Resolution Authorizing Director Serafin P Barretto Jr,
Investment Manager to Withdraw the Amount of Five
Hundred Thousand Pesos (P500,000.00) from the Income of
17
the Association on its Investments at Mutual
Funds and Common Stocks.
• RESOLUTION NO. 19-19-33, DATED 12 DECEMBER 2019
Resolution Appointing Mr Paul Justine H Huerte as Utility
Worker/Clerk of BJMPMBAI and Appropriating Fund for the
Purpose.
• RESOLUTION NO. 19-19-34, DATED 30 JANUARY 2020
Resolution Replacing the Signatories of BJMPMBAI Checks
and Other Financial Transactions at its Extension Office at
Region 10.
• RESOLUTION NO. 19-20-01, DATED 27 FEBRUARY 2020
Resolution Replacing the Signatories of BJMPMBAI Checks
and Other Financial Transactions at its Extension Office at
Region 11.
• RESOLUTION NO. 19-20-02, DATED 27 FEBRUARY 2020
Resolution Replacing the Signatories of BJMPMBAI Checks
and Other Financial Transactions at its Extension Office at
Region 5.
• RESOLUTION NO. 19-20-03, DATED 27 FEBRUARY 2020
Resolution Granting Cash Gift Incentive of Five Thousand
Pesos (P5,000.00) Each to All Members of BJMPMBAI
Committees.
• RESOLUTION NO. 19-20-04, DATED 24 MARCH 2020
Resolution Authorizing the Grant of Five Hundred Pesos
(P500.00) as Hazard Allowance to Members of the Group
Composing the Employees Skeletal Force that will Render
Duty During the Existence of COVID-19 Virus Disease.
• RESOLUTION NO. 19-20-05, DATED 25 MARCH 2020
Resolution Granting a Thirty (30) Day Grace Period Loan
Payment During the Period of Enhanced Community
Quarantine (ECQ).
• RESOLUTION NO.19-20-06, DATED 30 MARCH 2020
Resolution Authorizing the Grant of Five Thousand Pesos
(P5,000.00) to Members Found Positive of COVID-19 Virus
Disease and / or Other Similar/Pandemic/Epidemic Diseases
in the Future Even not Admitted for Confinement in a Medical
Institution.
• RESOLUTION NO. 19-20-07, DATED 30 MARCH 2020
Resolution Authorizing SSUPT Rogelio D Pagunuran (Ret),
Budget Officer, to Cash Advance the Amount of Five Hundred
Thousand Pesos (P500,000.00) as Emergency Hospitalization
Fund to be Used in Assisting the Members During the
Pandemic caused by COVID-19 Virus Disease.
• RESOLUTION NO. 19-20-08, DATED 30 MARCH 2020
Resolution Expanding the Coverage of the BJMPMBAI
Guidelines Granting Financial Assistance to Members Affected
by Calamities.
• RESOLUTION NO. 19-20-09, DATED 28 MAY 2020
Resolution Granting Health and Sanitation Support to All
Members of the Board and Officers .
 18

GOVERNANCE REPORT
T he BJMPMBAI, in its desire to adhere to corporate
best practices in governance, has seriously taken into
consideration the recommendations of the governing
bodies in recognizing the rights and equitable treatment of its
members, puts due recognition to the role of the Board of Directors,
insurance, affordable products and meaningful services to its
members.

In acknowledging that the success of the Association is not only

strengthens the responsibilities of the Management Staff and officers
and accords greater importance on disclosure and transparency in its
business operations.
To enhance the economic well-being of its members and
return to them the financial value to the premiums entrusted to the
Association, it continuously embarked on protecting the rights of
members, delivering tailored-fit, customized and most responsive
because of its members, the important role of the Board of Directors,
Management Staff and its Officers must also be given greater emphasis
through open opportunities for upgrading their capabilities, levelling
up their professional competencies and enhancing their level of
morale and welfare.
The established and accepted corporate governance principles
and best practices was best manifested by the Association through
adherence to its Manual of Corporate Governance.

LIST OF BOARD MEMBERS AND THEIR CREDENTIALS

Board Members
JDIR ARTURO W ALIT (RET)
JDIR DIONY D MAMARIL (RET)
JDIR ARMANDO M LLAMASARES (RET)
DIRECTOR ESTER APIN ALDANA
J/CSUPT DORIS R DORIGO (RET)
DIR ARNEL S ROMERO
J/DIR ROSENDO M DIAL (RET)
J/DIR LEOPOLDO D MORANTE JR (RET)
J/DIRECTOR JOSE A ESMERALDA III
J/CSUPT SERAFIN P BARRETTO JR (RET)
DIR ALFREDO D SOLIBA JR (RET)
J/ CSUPT ALLAN S IRAL
SJO4 LOU A TEJANO
J/SSUPT ANTONIO O GERENTE (RET)
MS ROMELYN L MEDINA
Board Members
J/CSUPT ROMEO L OGOY
DIR VICTORINO M ONATO (RET)
Members
MS ROMELYN L. MEDINA
J/SSUPT ANTONIO O GERENTE (RET)
J/ SINSP ERLINDA V TURARAY
J/SINSP RESTY T YAP
ATTY ANA LIZA LLAMASARES
Educational Attainment
CESO IV,MBA.MGM MCRIM,DPA
MPSA
Doctor of Public Admin (D.P.A)
MPA (Master in Criminology Justice) onwards
Reg Criminologist
CESO II, MBA, MGM, DPA
MBA, DPA
MBA,ACCOUNTANT/CPA
DPA
DPA
MBM, AB Philosphy
CESO VI, DPA, M,ED,MBA Specialized Director from July 2002 onwards; Investment Fund & Pension
in Capital Market
BSPS,DPA
DPA
AB Pol SCI,LIB
AB PHILOSPHY
MBA/ACCOUNTANT/CPA
OFFICERS AND THEIR CREDENTIALS
Educational Attainment
BS in Public Safety
Bachelor of Laws / BS Math
Bachelor on Arts on Peace &
Security Study
AUDIT COMMITTEE MEMBERS
Educational Attainment
MBA, ACCOUNTANT/CPA
AB PHILOSPHY
BSCE (Civil Engineer)
BSSE (Sanitary Engineer)
BSCS,MMPA
BACHELOR OF LAWS
Work Assignment
Chairman, from September 2001 onwards
Director,July 2002 to March 2012; Vice-Chairman, April 2012
onwards
Director- September 2001-July 2009; President, August 2009
Corporate Secretary, from September 2001 onwards; DILG-
ASEC
Treasurer, August 2012 onwards; HEA,DDB
Auditor, September 4 2001 onwards
Director, September 4, 2001-2008, April 2012 onwards;
BJMPSLAI General Manager
Director, from September 2001 onwards
Director, from September 2001 onwards
Plan Fund Manager
Director, July 2014 onwards
Director, September 2001 onwards; Chief, BJMP
Director, January 2018 onwards; Independent Director, July
2018 onwards
Director, January 2018 onwards; Independent Director, July
2018 onwards
Independent Director, July 2014 onwards
Work Assignment
Vice-President, July 2015 onwards; Compliance Officer Amla,
July 2016
Director, July 2014 onwards; Director-Emeritus, July 2018
onwards
Work Assignment
Independent Director, 2014 onwards; Chairman, Audit Com.
Director,January 2018; onwards; Independent Director, July 2018
onwards; VIce-Chairman, Audit Committee
Member, Audit Com; Asst Warden, Quezon City Female Dormitory
Member, Audit Committee; Chief, EDP Section-FSO
Member, Audit Committee; National Prosecutor, Directorate for
Investigation & Prosecution
 19

BOARD MEETINGS & ATTENDANCE

JUNE 2019 - MAY 2020

No. of Meetings Attendance %

Chairman Director Arturo W Alit 12 11 91
Vice-Chairman Director Diony D Mamaril 12 11 91
President Director Armando M Llamasares 12 12 100
Secretary Director Ester Apin-Aldana 12 10 83
Treasurer Director Doris R Dorigo 12 11 91
Representing Active Member
Director Allan S Iral 12 10 83
Director Arnel S Romero 12 10 83
Representing Retired Members
Director Serafin P Barretto Jr 12 10 83
Director Leopoldo D Morante Jr 12 12 100
Director Jose A Esmeralda III 12 10 83
Director Alfredo D Soliba Jr 12 10 83
Director Rosendo M Dial 12 10 83
Independent
Director Antonio O Gerente 12 10 83
Director SJO4 Lou A Tejano 12 12 100
Director Romelyn L Medina 12 12 100
Officers
Vice-President CSUPT Romeo L Ogoy (RET) 12 12 100
General Manager CSUPT Clarito G Jover (RET) 12 12 100
Director-Emeritus DIR Victorino M Onato (RET) 12 12 100

COMMITTEE MEETINGS & ATTENDANCE

Executive Committee No. of Meetings Attendance %
Director President Armando M Llamasares 10 10 100
Director Secretary Ester Apin-Aldana 10 8 80
Director Treasurer Doris R Dorigo 10 9 90
Independent Director SJO4 Lou A Tejano 10 8 80
Director-Emeritus Dir Victorino M Onato 10 10 100
Ex-Officio Member Clarito G Jover 10 9 90
Audit Committee
Position Members No. of Meetings Attendance %
Chairman (Independent Dir) Ms Romelyn L Medina, CPA 4 4 100
Vice-Chairman (Independent Dir) J/SSupt Antonio O Gerente (Ret) 4 4 100
Member J/SInsp Erlinda V Turaray 4 3 75
Member J/ SInsp Analiza G. Foster /Atty Anna liza L. Llamasares 4 3 75
Member J/SInsp Resty T Yap 4 3 75

The Audit Committee has fulfilled its oversight responsibilities over the intergrity of BJMPMBAI’s financial statement, financial reporting
process and system of internal control for CY2019. Futher, the committee monitors compliance with existing goverment laws and regulations and
its own code of business conduct.
20
BJMPMBAI BOARD OF DIRECTORS
& OFFICERS
Name: DIR ARTURO W ALIT
Age: 70
Qualifications:
Career Executive Service Officer IV
MBA, MGM, Mcrim, DPA
Date of First Appointment:
04 September 2001
Name: DIR DIONY D MAMARIL
Age: 60
Qualifications: Master in Public Safety
Administration (MPSA)
Date of First Appointment:
02 July 2002
Name: DIR ARMANDO M LLAMASARES
Age: 68
Qualifications:
Master in Public Administration (MPA)
(MS Crim Justice) Reg Criminologist
Date of First Appointment:
04 July 2001
Name: DIR ESTER APIN-ALDANA
Age: 55
Qualifications:
Doctor in Public Administration (DPA),
MBA, MGM
Date of First Appointment:
04 September 2001
Name: DIR DORIS R DORIGO
Age: 62
Qualifications:
Doctor in Public Administration /
Master’s in Business Administration
Date of First Appointment:
04 September 2001
Name: DIR ROSENDO M DIAL
Age: 61
Qualifications:
Doctor in Public Administration (DPA)
Date of First Appointment:
02 July 2002
Name: DIR ALLAN S IRAL
Age: 51
Qualifications:
Doctor in Public Administration (DPA)
Date of First Appointment:
04 September 2001
Name: DIR LEOPOLDO D MORANTE JR
Age: 74
Qualifications:
Doctor in Public Administration (DPA)
Date of First Appointment:
04 September 2001
Name: DIR JOSE A ESMERALDA III
Age: 70
Qualifications:
Master in Business Management
AB Philosophy
Date of First Appointment:
04 September 2001
Name: DIR SERAFIN P BARRETTO JR
Age: 58
Qualifications:
MBA Specialized in Capital Market
Doctor in Philosophy
Major in Dev. Admin / DPA
Date of First Appointment: 02 July 2002
Name: DIR ALFREDO D SOLIBA JR
Age: 60
Qualifications:
BS Public Safety / DPA
Date of First Appointment:
04 July 2014
Name: DIR ARNEL S ROMERO
Age: 53
Qualifications:
Master in Business Administration
Accountant / CPA
Date of First Appointment:
04 September 2001
 21

INDEPENDENT DIRECTORS
Name: J/SSUPT ANTONIO O GERENTE
Age: 58
Qualifications:
AB Philosophy
Date of First Appointment:
04 July 2014

Name: MS ROMELYN L MEDINA Name: SJO4 LOU A. TEJANO

Age: 46 Age: 52
Qualifications: Qualifications:
Master in Business Administration AB Polsci / Bachelor of Laws
Accountant / CPA Date of First Appointment:
Date of First Appointment: Jan 2018
04 July 2014

OFFICERS
Name: J/CSUPT ROMEO L OGOY Name: DIR VICTORINO M. ONATO
Age: 58 (EMERITUS)
Qualifications: Age: 58
BS in Public Safety Qualifications:
Bachelor of Laws / BS Math Bachelor of Arts on Peace
Date of First Appointment: and Security Studies
04 July 2015 Date of First Appointment: 04 July 2013

AWARDEES FOR THE YEAR 2020

OUTSTANDING BJMPMBAI EXTENSION OFFICE AWARD:
BJMPMBAI EXTENSION OFFICE XIII

OUTSTANDING BJMPMBAI EXTENSION

LONG SERVICE AWARD
OFFICE IN-CHARGE AWARD: (BJMPMBAI EMPLOYEE)
15 YEARS IN SERVICE

JO1 CLAIRE V GALAVIA

BJMPMBAI EXTENSION OFFICE -XIII

SJO1 FARRAH JOY M RAMOS

BJMPMBAI EXTENSION OFFICE IX

PERLITA E MONTE DE RAMOS

SJO3 MA CONNIE L CONTE
BJMPMBAI EXTENSION OFFICE VI Cashier, BJMPMBAI
 22

MANAGEMENT TEAM

RUBY GANOB, LYN NAVA, LOCE FLORES, ROLLY ABIERTAS, JR., ERANIO VERCELES, SSUPT ROGELIO PAGUNURAN (RET) ,
JUAN PAULO GONZALES, TERESITA BALBOZA,VIVIENNE QUIJOY, PERLITA MONTE DE RAMOS, CHERRYLE BENAVIDEZ
DIR ARMANDO M. LLAMASARES (President), CLARITO G. JOVER (Gen. Mgr.), RAYMOND P. MONJE, SInsp NORBERTO S. ABUDA (RET), J/SSUPT CAROLINA C. BORRINAGA (RET)

BRANCH AND EXTENSION OFFICES

BJMPMBAI EXTENSION OFFICE I BJMPMBAI EXTENSION OFFICE VI BJMPMBAI EXTENSION OFFICE XI
Parian, City of San Fernando, La Union P. Aquino, St, Fort San Pedro, Iloilo City Davao City Jail Compound, Ma-a, Davao City
J/SSUPT NEIL R AVISADO J/SSUPT BABY NOEL P MONTALVO J/CSUPT LEO P BALDON
Regional Director Regional Director Regional Director
SJO4 RODERICK B DAEN SJO4 ROLYN T MALOLOS SJ04 LEILAH R ACADEMIA
RESJO RESJO RESJO
INSP MONINA G TANINGCO JO3 DEXTER R FULGUERINAS
BJMPMBAI In-Charge SJO3 MA CONNIE L CONTE
BJMPMBAI In-Charge BJMPMBAI In-Charge
BJMPMBAI EXTENSION OFFICE II BJMPMBAI EXTENSION OFFICE XII
Regional Government Center BJMPMBAI EXTENSION OFFICE VII BJMPROXII Bldg., Regional Center
Carig Sur, Tuguegarao City, Cagayan 13-B Veloso St., Guadalupe, Cebu City Bgy Carpenter Hill, Koronadal City
J/CSUPT LYNDON D TORRES J/CSUPT EFREN A NEMEÑO J/SSUPT SIMEON S DOLOJO JR
Regional Director Regional Director Regional Director
SJO4 ROMEO C FERNANDEZ SJO4 LIGORY P ORACION SJO4 ROGELIO D LALAS JR.
RESJO RESJO RESJO
SJO2 EMILIO B GUMABAY JR MS MARIBEL M GALADO JO3 MYLA E CABALLERO
BJMPMBAI In-Charge
BJMPMBAI In-Charge BJMPMBAI In-Charge
BJMPMBAI EXTENSION OFFICE III
Diosdado Macapagal Regional Government Center BJMPMBAI EXTENSION OFFICE VIII BJMPMBAI EXTENSION OFFICE XIII
Maimpis, City of San Fernando Pampanga Brgy. Guindaponan, Palo, Leyte Purok 9, Upper Doongan, Butuan City
J/CSUPT ARNEL S GONGONA J/CSUPT EDWIN B RIEL J/SSUPT REVELINA A SINDOL
Regional Director Regional Director Regional Director
SJO4 ROSALITO A REYNA
BJMPMBAI EXTENSION OFFICE IVA RESJO
BJMPMBAI EXTENSION OFFICE IX JO1 CLAIRE V GALAVIA
BJMP Bldg., Bgy Turbina, Calamba City BJMPRO-IX Bldg., Bgy Lenienza Pagadian City
J/CSUPT AMELIA A RAYANDAYAN BJMPMBAI In-Charge
Regional Director J/SSUPT JOHNSON M CALUB
ADRIAN FRANCIS M UMALI Regional Director BJMPMBAI EXTENSION OFFICE-ARMM
RESJO SJO4 NEIL L TALIBONG BJMP Regional Office-ARMM 28 Oblates Drive
JO2 ROLANDO P ORTEGA RESJO Corner Rosales St., RH6, Cotabato City
BJMPMBAI In-Charge SJO1 FARRAH JOY M RAMOS J/SSUPT AMADO A CONCEPCION JR.
BJMPMBAI In-Charge Regional Director
BJMPMBAI EXTENSION MIMAROPA SJO4 ILDEFONSO B FRANCO
JD Building Pastor Rd. Gulod, Labac Batangas city BJMPMBAI EXTENSION OFFICE X RESJO
J/SSUPT JOLLY C TAGUIAM JR F.De Lima St. Lumbia, Cagayan De Oro City JO3 GEMMELYN S SATOL
Regional Director J/CSUPT ESTER GALVEZ PEPITO BJMPMBAI In-Charge
BJMPMBAI EXTENSION OFFICE V Regional Director
SJO4 REINHARD B TUMANDA BJMPMBAI EXTENSION NCRO
Legaspi City Jail Compound Bogtong, Legaspi City 5th Floor 1152 Seneca Plaza Bldg, E
J/SSUPT FELIXBERTO S JAGORIN JR RESJO Rodriguez Sr. Ave, Quezon City
Regional Director JO2 CATHERINE M YBANEZ Metro Manila
SJO4 DON A MATRIZ BJMPMBAI In-Charge J/CSUPT IGNACIO S PANTI
RESJO Regional Director
SINSP REMEDIOS N REMEDIOS
BJMPMBAI In-Charge
23
 To provide quality mutual
benefitToservices to themutual
provide quality members
benefit services to the members An excellent provider
through: of mutual benefit services for its
through:
members
• Loans
• Loansand investments
and investments
services;
services;
• Insurance;
• Insurance;
• PensionPlan;
• Pension Plan;
• Educational Plan;
• Educational Plan;
• Health Care Programs; and
• Health
• OtherCare Programs;
mutually and
beneficial
• Other mutually beneficial
entrepreneurial services.
entrepreneurial services. • Reliability
• Empowerment
• Accountability
• Commitment
• Transparency

3rd Floor, BJMP Building

144 Mindanao Avenue, Bahay Toro
Project 8, Quezon City

(02) 8926-6963
8542-6671
bjmpmbai@yahoo.com.ph
www.bjmpmbai.com

0939 920 2510 (Smart)

0917 531 7992 (globe)
0925 503 0552 (Sun)