JOURNAL Final Printing 22

SAINT WILLIAM’S MULTIPURPOSE COOPERATIVE
BUTIGUE, PARACELIS MOUNTAIN PROVINCE

CDA REG. 9520-150009986 TIN: 004-035-943
Saint William MPC saintwilliammpc@gmail.com
ST. WILLIAM’S MULTI-PURPOSE COOPERATIVE

Butigue, Paracelis Mt. Province
25TH GENERAL ASSEMBLY
MARCH 26, 2022
OPENING HYMN: REJOICE, THE LORD IS KING
Rejoice, the Lord is King!

Your Lord and King adore!
Mortals, give thanks and sing
And triumph evermore.
(Chorus)
Lift up your heart! Lift up your voice!
Rejoice, again I say, rejoice!
Lift up your heart! Lift up your voice!
Rejoice, again i say, rejoice!
The Lord, the Savior, reigns,

The God of truth and love.
When He had purged our stains,
He took his seat above.
His kingdom cannot fail;

He rules o'er earth and heav'n.
The keys of death and hell
To Christ the lord are giv'n.
Celebrant: Blessed be God, Father, Son and Holy Spirit.
People: And blesses be his kingdom now and forever. Amen
Almighty God, to you all hearts are open, All desires known, and from you no secret are hid: Purify our
hearts by the inspiration of your Holy Spirit, That we may perfectly love you and worthily magnify your
Holy Name; through Jesus Christ our Lord. Amen.
TRISAGION
Holy God,
Holy and Mighty
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VISION: “ABUNDANT LIFE FOR ALL” (JOHN 10:10) pg. 1
MISSION: Saint William’s Multipurpose Cooperative is a steward of God’s blessings
Through partnership and quality service to the members and community.”
For queries please call or text CP no. 09088624638 / 09305670730/
CDA REG. 9520-150009986 TIN: 004-035-943
Holy Immortal One, have mercy on us

Celebrant: The Lord be with you
People: And also with you
Celebrant: Let us pray
Third Sunday in Lent - C
Almighty God, you know that we have no power in ourselves to help ourselves: Keep us both
outwardly in our bodies and inwardly in our souls, that we may be defended from all adversities which
may happen to the body, and from all evil thoughts which may assault and hurt the soul; through Jesus
Christ our Lord, who lives and reigns with you and the Holy Spirit, one God, forever and ever. Amen.
For Fruitful Seasons
Almighty God, Lord of heaven and earth: We humbly pray that your gracious providence may give
and preserve to our use the harvests of the land and of the seas, and may proper all who labor to gather
them, that we, who are constantly receiving good things from your hand, may always give you thanks;
through Jesus Christ our Lord, who lives and reigns with you and the Holy Spirit, one God, for ever and
ever. Amen.
For Commerce and Industry
Almighty God, whose Son Jesus Christ in his early life shared our toil and hallowed our labor: Be present
with your people where they work; make those who carry on the industries and commerce of this land
responsive to your will; and give to us all a pride in what we do, and just return for our labor; through Jesus
Christ our Lord, who lives and reigns with you, in the unity of the Holy Spirit, one God, now and forever.
Amen.
Celebrant: Blessed are you, Lord our God, King of the universe: You love your people, and have given us
the words of eternal life.
People: O Lord, the God of our salvation: Your word is the light of our lives, and the lantern of our feet.
Teach us and lead us with the light of your eternal word.
First Reading: Psalm 126: 1-6
The Word of the Lord From the throne of heaven's glory

to the cross of sin and shame.
Thou didst come to die a ransom
GRADUAL HYMN: GLORIOUS IS THY NAME guilty sinners to reclaim!
Blesssed Savior, we adore thee Come, o come, immortal Saviour,

we thy love and grace proclaim: come and take thy royal throne;
thou art mighty, thou art holy, come, and reign, and reign forever,
glorious is thy matchless name!
be the kingdom all thine own!
CHROUS:
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Glorious, glorious,
Glorious is thy name, o Lord!
Glorious, glorious,
Glorious is thy name, o Lord!
Great Redeemer, Lord and Master,

light of all eternal days;
let the saints of ev'ry nation
sing thy just and endless praise!
Second Reading: 1 THESSALONIANS 5: 16-18
The Word of the Lord
SEQUENCE HYMN: REJOICE, O PILGRIMS THRONG
i. Rejoice, o pilgrim throng!

Rejoice, give thanks, and sing;
Your Festal Banner Wave On High,
The Cross Of Christ, Your King.
Refrain:
Rejoice! Rejoice!
Rejoice, give thanks, and sing!
ii. With all the angel choirs,

with all the saints on earth
pour out the strains of joy and bliss,
true rapture, noblest mirth.
iii. With voice as full and strong

As ocean's surging praise
Send forth the hymns our fathers loved
The psalms of ancient days
THE HOLY GOSPEL: LUKE 1: 46-49
Homily:
The Nicene Creed
We believe in one God, the Father, the Almighty,

maker of heaven and earth, of all that is seen and unseen.
We believe in one Lord Jesus Christ, the only Son of God,
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Eternally begotten of the Father, God from God,

Light from Light, true God from true God,
begotten, not made, of one Being with the Father.
Through him all things were made.
For us and for our salvation he came down from heaven:
by the power of the Holy Spirit he became incarnate from the Virgin Mary,
and was made man. For our sake he was crucified under Pontius Pilate;
He suffered death and was buried.
On the third day he rose again in accordance with the Scriptures;
He ascended into heaven and is seated
at the right hand of the Father.
He will come again in glory to judge the living and the dead,
and his kingdom will have no end.
We believe in the Holy Spirit, the Lord, the giver of life,

who proceeds from the Father. With the Father and the Son
he is worshiped and glorified.
He has spoken through the Prophets.
We believe in one holy catholic and apostolic Church.

We acknowledge one baptism for the forgiveness of sins.
We look for the resurrection of the dead,
and the life of the world to come. Amen.
The Prayers of the People

(Prayers maybe be offered for ourselves and to others)
A Minute of silence for all members of this cooperative who have gone before us especially:
LIST OF DEPARTED SWMPC MEMBERS:

Catalino Llapitan Agata Biangalen Melba Gamonnac Alejandra Kenept
Narciso Dela Cruz Juanita Felipe Eddie Llapitan Lolita De Joseph
Lorena Cariῇo Charlito Waggay Sr. Edmundo Biangalen Arthuro Carig
Merlyn Magtora Genoveva Montemayor Julia Salida Felix Yog-a
Eduardo Alipit Gabriel Wanason Jovelyn Ramos Libbay Tamalay
Julian Bahug Mercedes Capua Ana Viernes Prudencio Makitay Sr.
Consolacion Saludo Norma Lazo Aromes Napadao Soledad Vicente
Manuela Farrong
FOR THE DEPARTED
God, the author and sustainer of life; we give your thanks in giving N. to us, for the opportunity to love
and be loved, and the fellowship we shared with each other. As they go back to you their creator, grant
that we with them and all who love you, may one day see each other face to face and feast with joy and
gladness in your heavenly banquet, through Jesus Christ our Lord. Amen.
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FOR GUIDANCE
Direct us Lord in all our doings with your most gracious favor, and further us with your continual
help; that in all our works begun, continued, and ended in you, we may glorify your Name, and finally by
your mercy, may we obtain eternal life; through Jesus Christ our Lord. Amen.
FOR SERVICE
Lord Jesus Christ, you have taught us that in our service to others, we serving you: Give us grace,
we pray, to do the work you have called us or do with reverence and godly fear. Inspire us to set your will
before us, and so give ourselves to be spent for your service; through Jesus Christ our Lord. Amen.
FOR DAILY WORK

Almighty God our heavenly Father, you declare your glory and show forth your handiwork in the
heavens and in the earth. Deliver us in our various occupations from the service of self alone, that we may
do the work you give us to do in truth and beauty and for the common good; for the sake of him who came
among us as one who serves, your Son Jesus Christ our Lord, who lives and reigns with you and the Holy
Spirit, one God, forever and ever. Amen.
FOR ABSENT MEMBERS OF THE GENERAL ASSEMBLY
God, you care for all people wherever they are. Mercifully hear our prayers for those we love, now
absent from us. Keep them from every temptation which may draw them from you. Bless them and us
with good things, and to know that you are always near to save through Jesus Christ our Lord. Amen
FOR THE GENERAL ASSEMBLY
Almighty and everlasting Father, you have given the Holy spirit to abide with us forever: Bless, we
pray, with his grace and presence, all members of the cooperative assembled, that this cooperative being
preserved in true faith and godly discipline, may fulfill the virtue of its existence. We ask this in the name
of Your Son Jesus Christ our Savior, who lives and reigns with you, in the unity of the Holy Spirit, one God,
now and forever. Amen
A LITANY OF THANKSGIVING
Celebrant: Let us give thanks to God for all his gifts so freely bestowed on us for the Church and the truth
handed down to us.
People: We thank you, Lord
Celebrant: For all that is gracious in the lives of all people, revealing the image of Christ.
Celebrant: For the beauty and wonder of your creation, on earth, in sky and at the sea.
Celebrant: For your daily food and drink, our homes and families, and our friends
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Celebrant: For minds of think, hearts to love, and hand to serve
Celebrant: For health and strength to work, and leisure to rest and play.
Celebrant: For the brave and courageous, who are patient in suffering and faithful in adversity?
Celebrant: For all valiant speakers after truth, liberty and justice.
Celebrant: For the communion of saints, in all the times and in all places.
Celebrant: For more 25th year of service You have been with this cooperative and its member, officers
and staffs.
Celebrant: Above all, we give you thanks for the great mercies and promises given to us in Christ Jesus our
Lord. To him be praise and glory, with you, O Father and the Holy Spirit, Now and forever, Amen.
THE PEACE
Celebrant: Beloved in the Lord, we are the Body of Christ. In one Spirit we were all baptized into one
Body.
People: Let us strive to keep the unity of the Spirit in the bond of peace.
Celebrant: The peace of the Lord be always with you.
People: And also with you.
THE OFFERTORY
Celebrant: Offer to God a sacrifice of thanksgiving and pay your vows to the most high. Let us with
gladness present the offerings of our life and work to the Lord.
GOD OF GRACE AND GOD OF GLORY
God of grace and god of glory,

on thy people pour thy power.
Crown thine ancient church’s story,
bring her bud to glorious flower.
Grant us wisdom, grant us courage,
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for the facing of this hour, Cure thy children’s warring madness,
for the facing of this hour. bend our pride to thy control.
Shame our wanton selfish gladness,
rich in things and poor in soul.
Lo! The hosts of evil ’round us,
lest we miss thy kingdom’s goal,
scorn thy christ, assail his ways.
lest we miss thy kingdom’s goal.
From the fears that long have bound us,
free our hearts to faith and praise.
Save us from weak resignation,
to the evils we deplore.
for the living of these days,
Let the search for thy salvation,
for the living of these days.
be our glory evermore.
serving thee whom we adore,
serving thee whom we adore.
Money and Other Gifts
Everlasting God, you have given us all we have; your bounty supplies all our needs. We offer you
this token of our gratitude for all your mercies. Amen.
The Bread
Eternal God, you have caused the grain to grow, and from it this bread has been made. We offer it
to you. May it become for us the Bread of Life. Amen.
The Wine
God Almighty, from your gifts this wine has been made. We offer it to you. May it become for us
the Drink of Salvation. Amen.
CENSING HYMN: FOR THE BEAUTY OF THE EARTH (SISIWIT TUNE)
For the beauty of the earth, for the beauty of the skies,
for the love which from our birth over and around us lies,
For the beauty of each hour of the day and of the night,
hill and vale, and tree and flower, sun and moon, and stars of light
CHORUS:
Christ our God, to thee we raise,
this our hymn of grateful praise.
For the joy of ear and eye, for the heart and mind’s delight,
for the mystic harmony linking sense to sound and sight,
For the joy of human love, brother, sister, parent, child,
friends earth, and friends above, for all gentle thoughts and mild,
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For the church which evermore lifteth holy hands above,

off’ring up on every shore thy pure sacrifice of love,
For each perfect gift of thine to the world so freely given,
faith and hope and love divine, peace on earth and joy in heaven.
The Great Thanksgiving

Celebrant: The merciful goodness of the Lord endures forever and ever upon those who fear Him and
his righteousness from generation to generation.
People: Even on those who keep his covenant, and remember his commandments and do them.
Celebrant: The Lord has set his throne in heaven, and his kingdom has dominion over all.
People: Praise the Lord you angels of his, you mighty ones who do his bidding, and listen to the voice of
his word
Celebrant: Praise the Lord, all you works of his, you ministers of his who do his will.
People: Praise the Lord, all you works of his; in all places of his dominion, praise the Lord!
EUCHARISTIC PRAYER A
Celebrant: The Lord be with you

People: And also with you.
Celebrant: Lift up your hearts.

People: We lift them to the Lord.
Celebrant: Let us give thanks to the Lord our God.

People: It is right to give him thanks and praise.
The celebrant continues.
Celebrant: It is right, and a good and joyful thing, always and everywhere to give thanks to you, Father
Almighty, Creator of heaven and earth. Through Jesus Christ our Lord, who tempted in every way as we
are, yet did not sin. By his grace we are able to triumph over every evil, and to live no longer for ourselves,
but for him who died for us and rose again.
The celebrant continues
Therefore with angels and archangels and with all the company of heaven, we joyfully proclaim your glory,
evermore praising you and saying:
People and Celebrant:

Holy, holy, holy, Lord, God of power and might, Heaven and earth are full of your glory. Hosanna
in the highest. Blessed is he who comes in the Name of the Lord. Hosanna in the highest.
Celebrant:
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Holy and gracious Father, in your infinite love you made us for yourself; and, when we had fallen into
sin and become subject to evil and death, you, in your mercy, sent Jesus Christ, your only and eternal
Son, to share our human nature, to live and die as one of us, to reconcile us to you, the God and Father
of all.
He stretched out his arms upon the cross, and offered himself in obedience to your
will, a perfect sacrifice for the whole world.
On the night he was handed over to suffering and death, our Lord Jesus Christ took bread; and when he had
given thanks to you, he broke it, and gave it to his disciples, and said, “Take, eat: this is my Body, which
is given for you; Do this for the remembrance of me.”
After supper, he took the cup of wine: and when he had given thanks, he gave it to them, and said, “Drink
this, all of you: This is my Blood of the new Covenant, which is shed for you and for many for the
forgiveness of sins. Whenever you drink it, do this for the remembrance of me.”
Therefore we proclaim the mystery of faith:
Celebrant and People:

Christ has died
Christ is risen
Christ will come again
The celebrant continues:

We celebrate the memorial of our redemption, O Father in this sacrifice of praise and thanksgiving.
Recalling his death, resurrection, and ascension, we offer you these gifts.
Sanctify them by your Holy Spirit to be for your people the Body and Blood of your Son, the holy food and
drink of new and unending life in him. Sanctify us also that we may faithfully receive this holy Sacrament,
and serve you in unity, constancy and peace; and at the last day bring us with all your saints into the joy of
your eternal kingdom.
All this we ask through your Son Jesus Christ. By him, and with him, and in him, in the unity of the Holy
Spirit all honor and glory is yours Almighty Father, now and forever. Amen.
THE LORD’S PRAYER

Our Father in heaven, Hallowed be your Name,
Your kingdom come, Your will be done, on earth
as in heaven.
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Give us today our daily bread.

Forgive us our sins as we forgive those who sin against us.
Save us from the time of trial and deliver us from evil.
For the kingdom, the power, and the glory are yours,
Now and forever. Amen.
THE BREAKING OF BREAD
The Celebrant say: Lord we ask you to deliver us from evil, And to grant peace in our time. In your mercy,
keep us free from sin and safe from anxiety as we await in joyful hope the coming of our Lord and Savior
Jesus Christ. Amen.
The Celebrant breaks the consecrated Bread, saying:
Broken is the Lamb of God, broken but not divided;

Ever eaten yet never consumed, sanctifying all who partake of it. Amen.
Then the following anthem is sung:
Lamb of God, you take away the sin of the world:

Have mercy on us.
Have mercy on us.
Grant us your peace.
We do not presume to come to your table, merciful Lord, trusting in your own righteousness, but in your
many great mercies. We are not worthy to gather the crumbs under your table. But it is your nature always
to have mercy. Grant us, therefore, gracious Lord, so to eat the body of your son Jesus Christ and to drink
his blood. That being renewed and strengthened by his risen life, we may evermore dwell in him, and he in
us.
THE HOLY COMMUNION
The celebrant says:

The gifts of God for the people of God.
The following maybe added:

Take them in remembrance that Christ died for you, and feed on him in your hearts by faith with
thanksgiving.
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COMMUNION HYMN:
GIVE ME OIL IN MY LAMP Give me love in my heart, keep me

sharing
Give me oil in my lamp, keep me burning Give me love in my heart, I pray
Give me oil in my lamp, I pray Give me love in my heart, keep me
Give me oil in my lamp, keep me burning sharing
Keep me burning till the break of day. Keep me praising till the break of day .
Chorus:
Give me peace in my heart, keep me
Sing hosanna, sing hosanna
loving
Sing hosanna to the King of King
Give me peace in my heart, I pray
Sing hosanna, sing hosanna
Give me peace in my heart, keep me
Sing hosanna to the King.
loving
Keep me loving till the break of day.
IT’S A GREAT THING TO PRAISE

THE LORD
Walk, walk, walk, walk in the light
It’s a great thing to praise the Lord Walk, walk, walk, walk in the light
It’s a great thing to praise the Lord Walking in the light of the Lord.
Walking in the light of the Lord.
It’s a great thing to praise the Lord
Walk, walk, walk, walk in the light It’s a great thing to praise the Lord
Walk, walk, walk, walk in the light It’s a great thing to praise the Lord
Walk, walk, walk, walk in the light Walking in the light of the Lord.
Walk, walk, walk, walk in the light
It’s a great thing to praise the Lord Walking in the light of the Lord.
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SALAMAT SA IYO (TANGING ALAY)
Salamat sa iyo Di ko akalain

Aking Panginoong Hesus Na ako’y binigyan mong pansin
Ako’y inibig mo Ang taong tulad ko’y
At inangking lubos Di dapat mahalin
KORO: Aking hinihintay

Ang tanging alay ko sa’yo aking Ama Ang iyong pagbabalik Hesus
Ay buong buhay ko puso’t kaluluwa Ang makapiling ka’y
Di makayanang maipagkaloob Kagalakang lubos
Mamahaling hiyas ni gintong sinukob.
Ang tanging dalangin O Dios ay tanggapin Rep. Chorus.
Ang tanging alay ko nawa ay gamitin
Ito lamang Ama wala ng iba pa
Aking hinihiling.
THE CONCLUDING RITE
After the Communion, all stand and the Celebrant says:
Let us pray.
Celebrant and People:

Almighty and eternal God now that we have partaken of the banquet you have prepared for us in
the world to come, may we all one day share in the life of your heavenly city, through Jesus Christ
your Son, our Lord, who lives and reigns with you, in the unity of the Holy Spirit, one God, world
without end. Amen.
Lent
The Father of mercies has given us an example of unselfish love in the sufferings of his only Son. Through
your service of God and neighbor, May you receive his countless blessings. Amen.
By his dying, Christ destroyed death forever. May he give you everlasting life. Amen.
He humbled himself for our sake; May you follow his example, and share in his resurrection. Amen.
And the blessing of God Almighty, the Father, the Son, and the Holy Spirit, be upon you and remain with
you always. Amen.
The Dismissal
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Deacon: Go in peace to love and serve the Lord.

People: Thanks be to God.
RECESSIONAL HYMN: TO GOD BE THE GLORY
To God be the glory

Great things He has done
So loved He the world that He gave us His Son
Who yielded His life an atonement for sin
And opened the life-gate that all may go in.
REFRAIN:
Praise the Lord, praise the Lord

Let the earth hear His voice
Praise the Lord, praise the Lord
Let the people rejoice
Come to the Father
Through Jesus the Son
Give Him the glory
Great things He has done
O perfect redemption, the purchase of blood

To every believer the promise of God
The vilest offender who truly believes
That moment from Jesus a pardon receives.
Great things he has taught us, great things he has done

And great our rejoicing through Jesus the Son;
But purer and higher and greater will be
Our wonder, our transport, when Jesus we see.
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TABLE OF CONTENTS:
Holy Mass 1-13.

1st Notice to the GA 15
2nd and Final Notice 16-17
Message 18-20
Program of Activities 21
Minutes o the 2020 General Assembly 22- 28
REPORTS
Treasurer's Report 30-31
Audit & Inventory Report 32-33
Education Report 33
Election Com. Report 34
Ethics Com Report 34
Con Med Report 35
Board of Director's Report 35-41
Policy Matrix 42
Deposit Rates 43
Strategic Plans
Annual 44-53
5 yr Plan
Audited Financial Statement 54-59
Proposed Budget 60
Amendment 61
Paracelis Hymn 62
Cooperative Hymn 62
The Cooperative Pledge 63
ABULOY POLICY last pages
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1st NOTICE
GENERAL ASSEMBLY
(25 Years in Service)
Kakabsat iti cooperatiba, umadani manen ti maika 25 nga tawen ti cooperatiba tayo. Kas tinawen nga araramiden
tayo, adtoy manen nga iyawis me kadakayo ti prebilihyo nga agbalin nga opisyales iti daytoy nga cooperatiba, ket
dagitoy Apo dagiti committee nga mabalin tayo nga pag aplayan;
 3 Board of Directors
 3 Audit & Inventory Committee
 3 Election Committee
Kwalipikasyon;
1. Ti aplicante ket masapol nga nalinis ti record na, awan past due na (must be in good standing)
2. Masapol nga isuna ket membro iti coop iti las-od ti maysa tawen,
3. Applikante para BOD masapol nga addaan da iti share capital nga (Php. 10,000.) Pesos agpangato.
4. Applicante para BOD ket masapol nga addaan da iti maysa tawen a kapadasan a cas mysa nga opisyal ti
cooperatiba.
5. Amin nga applicant ket masapol nga nakaragpat iti colehiyo.
6. ken siaayat nga mangited / mang commit ti oras na nga agadal babaen ti panag attendar iti training ken
orientations..
Dagiti kasapulan;
1. 3 copya ti 2 x 2 ID picture
2. Bio data ken application letter
3. Certificate of good standing nga pirmado ti Manager/Bookkeeper
4. Cedula (CTC) ken Tax Identification No (TIN).
Ti panag apply ket mangrugi ita nga January 10, 2022 aginga January 29, 2022. Para iti daduma pay nga impormasyon
mabalin kayo nga tumawag/text cp. No. 0939445206 / 09203628156 weno bumisita iti opisina tayo Lunes agingga
Byarnes iti oras ti 8:30- 5:00 oclock iti malem ken 8:oclock – 12 :o’clock para iti aldaw ti Sabado.
Note:
Gapu iti daytoy pandemya, kayat mi nga ipakaammo nga iti anya man nga oras ket adda pagbaliwan na daytoy nga
schedule ken plano tayo para iti daytoy nga GA wenno pannaka e postpone / cancel depende iti panagbaliw ti sitwasyon.
Amin nga Protocols ken pagannurutan ket masapol nga ipatungpal ken iyaramid tayo kas ti panag suot ti facemask,
panag alcohol ken daduma pay.
Amin nga updates / pakaammo ket maipablaak iti Facebook account tayo @Saint William MPC.
Pls. keep updated……
Prepared by:
Chiely M. Cubebe Noted by:

ROSALINE A. SIBLAG
Chairperson
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CDA REG. 9520-150009986 TIN: 004-035-943
March 14, 2022
LAST AND FINAL NOTICE
Sir/Mam,
This is to remind your good self that the Saint William’s Multipurpose Cooperative (SWMPC) shall be
conducting its 25th year General assembly of which we will be celebrating the silver anniversary of this
cooperative and election of new sets of officers @ 8: o’clock AM on March 26, 2022 at Saint William’s
Compound, Butigue, Paracelis Mountain Province.
In addition to this we will be conducting the following agenda:
A. Election of 3 Board of Directors, 3 Audit and Inventory Committee and 3 Election Committee. And
here are the list of candidates:
Board of Directors: AIC Elec.Com
1. Rosaline Siblag 1. Cecilia Occas 1. Fermina Tocgo

2. Rosita k. Pakinkin 2. Irene Bayon 2. Benita Churana
3. Damian Lutwachen 3. Jenny Calis 3. Jane Laus
4. Karis Bayon
B. Amendment of the Cooperative By-laws on Article III : Administration of the General Assembly Meeting (
adopting the ARGAM)
 Articles III:
 Section I : General Assembly
- Be included :
“That General Assembly meeting of Saint William’s Multipurpose Cooperative maybe done through:
a. face to face or physical mass gathering

b. Video conferencing platform
c. Combination of videoconferencing and physical attendance, Facebook live can be used as an
extension of videoconferencing platform.
 Section III : Meetings

- Be Included:
That meetings maybe conducted through any of the following:
a. Simultaneously, wherein meetings can be held in the same day,

b. Sequentially, wherein the meetings are held for a certain number of days and adjournment shall be
done on the last day.
C. Amendment of the Articles of Cooperative

 Article II types and purposes,
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- to include
c.1. Internet Services

c.2. Saint William’s Inn
As our Municipalities are still on pandemic situation, all members/attendees are required to observe the
maximum health protocols mandated by the Department of Health and the IATF.
We recommend that those who are physically incapacitated, lactating mothers, children and those who are
not feeling well NOT to attend the General Assembly. No vaccine Card, No entry. Excuse letters are accepted
and shall be advice to submit on or before the General Assembly..
Registration and casting of votes will start @6:3-9:oclock AM If you have past due account find time to settle
it on or before March 24, 2022 inorder for you to be restored to member with good standing and to qualify
you to vote and a tshirt.
Pls. be guided accordingly….. for queries you may send your message to Saint William MPC face book
account.
Management
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CDA REG. 9520-150009986 TIN: 004-035-943
MESSAGE 2022
Good Day, fellow co-operators! After two years of waiting, we finally can come together in
fellowship in this 2022 Annual General Assembly (ARGAM) albeit with precautions because of the
restrictions this Pandemic for we are still in the IATF’s Alert Level Two. One of the measures we are to
adopt this ARGAM is to shorten the time we will be together, hence the pacing of the conduct will be fast
with minimal questioning allowed.
Activities for last year was basically a continuation of COVID situation the previous year which is full
of uncertainties and adjustments just to be able to function as a cooperative and meet the demands of
you, the members. For this year we come to” thank the Lord for all the good things that He has given us“.
Foremost is, we thank Him for our growth. Last year, we were able to add 555 members, the highest
number of recruits in a year. Also our assets increased to 36 million more, a far cry from our average yearly
increase of 10 million. And we thank the Lord for His guidance that we were able to make our 5 year plan,
amended our MAP policies, decreased our interest rates and improve our internet services. And we thank
Him for our fellowship with friends and our partners who invested in us and provided us with opportunities
to improve our services.
On our in house social response to this Pandemic, we were able to successfully implement the
Dinnanggay Program wherein we distributed food packs to our members. And on the relief on fines due
to delayed payment, we were able to forego 2,201,285.18 as fines discount. On our MAP, we were able
to release Php 1,539,400.00 given to 13 beneficiaries and in HAP CA June 2020-May 2021, we were able
to release Php 136,772.00 to 47 beneficiaries.
And finally, we would like to thank the Lord for giving the Cooperative 25 years. Yes, on May 14, we
will be celebrating our Silver Anniversary! From 3 women who started the Coop as an association (the Ub-
ubbo) and 36 co-operators who enrolled it as the St. William’s MPC, we now grew into 3,120 members as
of December 31, 2021.Also, from a measly 600 to 275 million pesos asset. Our area of operation, too,
widened from Paracelis and its neighbouring municipalities to the whole of Luzon. We know that our Lord
will still shower us with more blessings for the next years to come. Our dream that “we double by 2025”
can only be achieved if we work together: to consciously recruit for membership, to patronize the services
of the cooperative, to contribute to its fund especially in the completion of our subscribed share capital,
and to participate in the Coops endeavours in spiritual growth and concern for the environment.
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CDA REG. 9520-150009986 TIN: 004-035-943
MESSAGE 2021
(Management)
Year 2020, as we will all know, is the year that our “normal” activities has been distracted
because of this COVID Pandemic, and our Cooperative also has experienced such abnormal
activities and uncertainties, but fortunately, with God’s grace, we survived the year and we are still
surviving to date.
In response to this COVID, we followed protocols on work schedule adjustments and

protocols for those coming in and out of office, observing home quarantines, lining up for medical
certificates and travel pass which of course sums up to additional cost of doing business. Our
lodging business and transport service literally stopped. Added to this is the effect of the African
Swine Fever which struck home: about 155 pigs at our ISAP farm and our backyard piggeries has
been affected resulting losses as well as loss in the sale of Feeds. And to triangulate our “malas”
for the year, we were fined by the BIR for some for some tax deficiencies and legal increments for
their audit findings for year 2017.
And yet, we managed to survive, and at this point in time, we felt the impact of the
Cooperative in the community. Our fund transfer business (POS or ATM withdrawal and True
Money) played a great role because it enabled the community to get their cash assistance locally.
Our Cooperative also became the conduit of DA SURE loans amounting to Php10M for the
municipalities of Paracelis and Natonin and last December, we were downloaded an amount of
Php10M from DTI for P3 loans. Also, we were accredited to be the supplier of the CFSMFF (Cash
and Food Subsidy for Marginalized Farmers and Fisher folks) beneficiaries.
New ventures or business were offered by the Coop to meet the demand of members and
community such as the Appliance Loan, Wholesaling of Goods, Banana Trading, Egg Production
and the enhancement of Internet provision in the locality. New ways of implementing PMES also
allowed us to recruit 400 members. Communications, too, to members improved thru the use of
social media; hence loan processing may be done thru calls or text message.
In response to the president’s call to extend grace period in loan payments, the
management and BODs approved 2 months extension of grace period and fines were discounted
50%. Calamity Loans were also offered and we were able to release 1.597 M for this. For this
year, 40% discount on fines is being offered from March to April.
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For our future plans, our five-year goal (2021-2025) is to double everything so as we will
reach the HALF BILLION by year 2025. It is for this goal that our targets for this year 2021 are
geared to: 500 additional members, to reach Php 286,500.00 in asset. For lending, we plan to
loan out 144M and in sales we will garner 500K gross on sales monthly and all other allied services
must at least be self-sustaining venture.
I believe we can do this as evidenced by our increase in Asset from 212.30M to 238.81M.
A big contribution to this is from our members who contributed 4.8M as their Share Capital. With
our focus, our resiliency in times of trouble and always asking the Lord to Guide us we can do our
part of providing abundant life for us and the community.
Management
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PROGRAM OF ACTIVITIES
MARCH 26, 2022
The LORD has done great things for us and we are filled with joy. (Psalm 126:3)
Part I.
6:30 – 9:00 Arrival, Registration and casting of votes.
Part II: 9:00- 10:00 Thanks Giving Mass

BTR : Rt. Rev. Frenzel P.PIluden
Part III:
10:00 – 12:00PM BUSINESS PROPER
o Opening Prayer Ms. Beatriz Waggay
o Pambansang Awit: Ms. Mary ann Ollibac/Recil Apsong
o Paracelis Hymn ________________
o Cooperative Hymn _______________
o Cooperative Pledge _______________
o Call to Order Presiding Officer
o Confirmation of Quorum Secretary
o Appointment of GA Officers: For confirmation
 Secretariat Chiely, Ruth, Sunshine
 Dispatch Remel , Homer
o Welcome Address: Karis Bayon
o Message Chairman
st
o Confirmation of 25 GA Min. Secretariat
o Reports:
 Treasurer’s Report Remel Liyac
 Audit and Inventory Report Rosendo Navarra
 Education Committee Patrick Lapon
 Election Committee Irene Bayon
 BOD Report Rosaline Siblag
 Proclamation on new sets of Officers: Election canvassers
 Presentation of Audited FS Fely Ramos
 Presentation of 2020Budget Norma Piluden
 Presentation of Annual Plan Rt. Rev. Frenzel Piluden
 Auditor (external Audit) Selection Chairman
 Closing Prayer Patrick Lapon
 Acknowledgement
 Adjournment
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CDA REG. 9520-150009986 TIN: 004-035-943
SAINT WILLIAM’S MULTI-PURPOSE COOPERATIVE

Butigue, Paracelis, Mountain Province
2020 General Assembly Minutes of Meeting
February 29, 2020
PROGRAM OF ACTIVITIES
FEB. 29, 2020
“….and He said to them, Follow me, and I will make you fish for people .” (Mathew 4: 19 NRSV)
Part I.
6:30 – 9:30 Arrival, Registration and casting of votes.
Part II: Thanks Giving Mass

BTR : Rev. Crisologo Baguiwan
Part III:
10:30 – 3:00PM BUSINESS PROPER
o Opening Prayer Maigan Paddayuman
o Pambansang Awit: Mariel Guiyab
o Paracelis Hymn Glenda Tangonan
o Cooperative Hymn Rosita Pakinkin
o Cooperative Pledge Bronwin Manangan
o Call to Order Presiding Officer
o Confirmation of Quorum Secretary
o Appointment of GA Officers: For confirmation
 Secretariat Chiely, Bronwin, Patricia , Mariel
 Dispatch Remel , Homer
o Welcome Address: Rosaline Siblag
o Message Chairman
o Confirmation of 22st GA Min. Secretariat
o Reports:
 Treasurer’s Report Remel Liyac
 Audit and Inventory Report Shirley MAclinic
 Education Committee Rosita PAkinkin
 Election Committee Benita Churana
 BOD Report Rosendo S. Navarra
 Proclamation on new sets of Officers: Election canvasers
 Presentation of Audited FS Fely Ramos
 Presentation of 2020Budget Norma Piluden
 Presentation of Annual Plan Rt. Rev. Frenzel Piluden
 Auditor (external Audit) Selection Chairman
 Closing Prayer Patrick Lapon
 Acknowledgement
 Adjournment
Part I: 6:0clock in the morning till 10: am. It was extended.

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CDA REG. 9520-150009986 TIN: 004-035-943
Part II:
Thanks giving Mass officiated by Fr. Father Johny Srangay, the Saint William’s Rector and BTR was given by Rev. Fr. Crisologo
Bagiwan- Diocesan (DIMO). His sermon/ Homily focuses on our theme which is from Mathew 4: 19 NRSV “….and He said to them, Follow
me, and I will make you fish for people .” Rev. Fr. BAgiwan started his sermon with this question, “ What would you do today is Jesus came to
your office/home and tell you “ FOLLOW ME”? anya ngay ti maisungbat tayo?
He then explained the meaning of the word FOLLOW in the text. According to him, to follow Jesus is NOT just by going to the church,
does not mean just believing in who HE is, or just like HIM but following Jesus means more than just “liking His words” and enjoying
reading what He has to say.
Following Jesus has something to do with SACRIFICE as we can read in verse 20: say that “ Peter and Andrew immediately left their
nets and followed HIM. They literally left where they were walked with Jesus.
HOW TO FOLLOW JESUS?

FOLLOWING Jesus means we have to do something differently; that there will be somethings we will leave behind and your
life is all about HIM.
 If you follow JESUS you have to leave behind the life you might have planned, u have to leave behind your sin and spend
time with HIM, confess your sins, loving Him and becoming like HIM
 If we follow Jesus, our life is all about HIM, and he will be the center of our life. But as you follow Him, he is going to give
you ministries to PEOPLE, as He said, “ I will make you fishers of Men. People will become the focus of your ministry.
 Coops are community minded, they contribute to the sustainable development of their people the bottom line is the way
we touch PEOPLE for the glory of GOD.
Rev. Fr. Crisologo ended his homily with this invitation:

“ some of you today can call yourselves followers of Jesus – and you ARE but the truth is , you have not been actively
FOLLOWING Jesus for some time. Sometime ago, you stopped. Stop going to church, you may or you may not have but the
truth is, you stop following Jesus, stop walking with Him daily, getting His direction for your life; doing what He would do
in the world; ministering people. And you never retire from that. But today YOU are hearing His voice again saying to you
“FOLLOW ME”..and we must respond HIM “Yes Lord” , I’ll get back behind you, and I will follow you gain.
Part III: BUSSINESS PROPER

- The business proper started with an opening prayer led by Ms. Maigan Paddayuman, followed by National Anthem
conducted by Ms. Mariel Padua, followed by singing of the Paracelis Hymn conducted by Ms. Glenda Tangonan followed
by the Cooperative Hymn by Ms. Rosita Pakinkin and reciting the Cooperative Pledge by Bronwin Manangan. And it was
also followed by confirmation of quorum by the chairman that out of 2328 members of the cooperative there are 1024
attended as of 9:30 am. That is 44% attendance, therefore there is a quorum.
CHAIRMANS’ MESSAGE: By Rosendo S. Navarra: the outgoing chairperson of this cooperative, that according to him “ agmaymaysa
tayo kuma nga mangitultuloy ti nasayaat nga panggep ti cooperatiba a para met laeng kadatayo.”
Working Committees:
- The following are appointed as working committees for the 23 rd General Assembly as follows:
Dispatch: Secretariat:
Mr. Remel Liyac Ms. Bronwin Manangan
Mr. Homer Manangan Ms. Mariel Guiyab
Ms. Chiely Cubebe
- The reports was given 10 minutes each report
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CDA REG. 9520-150009986 TIN: 004-035-943
REPORTS/ Resolution for General Assembly

 Res. 20.10: : Approval of the 22nd GA Minutes:
- The secretary presented the 22nd General Assembly Minutes of meeting; it was moved and
seconded….. Having no questions and clarifications, the GA minutes was moved and accepted by the
general assembly.
 Res. 20.02: Treasurer’s Report:
- Presented by Remel Liyac, the report was moved and seconded……the report was moved and accepted
by the GA the treasurer’s report were accepted by the General Assembly with a challenge that each
and every one of us to invite more members specially our families to become a member and depositor
 Res. 20.03: AUDIT AND INVENTORY COMMITTEE:

- Audit and inventory committee presented by Shirley MAclinic , the AIC chairperson. .. it was move,
second and accepted by the General Assembly after some clarification
 Res. 20.04: EDUCATION COMMITTEE REPORT
- Education Committee was presented by the Chairman Rosita Pakinkin it was move and
seconded……With no questions and clarifications ask, the election committee was accepted by the
General Assembly.
 Res. 20.05: ELECTION COMMITTEE REPORT:

- Election committee report was presented by the chairperson, Benita Churana it was moved and
seconded….With no other questions and clarifications, the election committee report was moved and
accepted by the general assembly.
 Res. 20.06: BOD REPORT:

- The BOD report was presented by the Rosendo Navarra- the outgoing chairman…. It was move and
seconded, With no other clarifications the education committee was accepted by the general
assembly.
 Res. 20.07: AUIDITED FS :

PRESENTED BY MS. FELY RAMOS:
- After the presentation, the reports was moved and seconded…
With no others clarifications, the audited financial report was accepted by the general assembly.
 Res. 20.08: MANAGEMENT REPORT : BY MS. NORMA L. PILUDEN

- After the Management report was resented by Norma L. Piluden- the Operations Manager, the report
was moved and seconded….
- She also reminded us to submit our TIN for us to renew again our tax exemption certificate..
- She also informed us that we will be waiting for the system of the DXN for us to be the only DXN Center
in Mountain Province
With no questions and clarifications, the management report was accepted by the general assembly.
 Res. 20.09 :PROPOSED ANNUAL PLAN FOR 2020

- The propped annual plan for 2020 was presented by the General Manager – Rt. Rev. Frenzel Ray P.
Piluden .. it was moved and seconded… after some clarification the annual plan for 2020 was
accepted by the general assembly.
 Resolution 20: 10: PROPOSED BUDGET FOR 2020

Proposed budget was presented by Ms. Norma L. Piluden , it was moved and seconded…and after some
discussion and clarification, the report was accepted by majority vote by raising of hands with a total of 585 for
yes and 4 for NO.. Its majority approved.
With no other clarifications, the proposed budget for 2020 was accepted by the general assembly.
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CDA REG. 9520-150009986 TIN: 004-035-943
Amendment:
 Res. 20.11: : Vote of confidence
- A RESOLUTION FOR THE CHAIRPERSON TO HOLD A VOTE OF CONFIDENCE
The approval was done via raising of right hands with a total votes of A resolution amending the name of SAINT WILLIAM’S
MULTI-PURPOSE COOPERATIVE to SAINT WILLIAM’S MULTIPURPOSE COOPERATIVE
- The resolution was approved via raising of hands by the members with 658 votes for yes.
 Res. 20.12: A resolution amending the Articles of cooperation Article II : TYPES and PURPOSES from
1. Encourage and bolsters savings mobilization and capital build-up among members;
2. Generate funds and extend loans to members for productive and providential purposes;
3. Engage in:
a) The credit and consumers- production, processing and marketing of
agricultural and industrial products and its allied services;
b) Purchase of real estate for development, housing business and selling;
c) Public Transportation Service and all its allied services;
d) Owning, leasing, and operating : “Monetary Collecting and Remittance
e) Center “ i.e. the cooperative as remittance agent and or collecting agent through transferring/
transmitting money on behalf of all its stakeholders as defined under existing rules and regulations
in both domestic and foreign exchange business.
f) Public market service and all its allied components.
4. Work with the cooperative movement, non-government and government entities;

5. Act as guardian to Laboratory Cooperatives.
To
That the type of this cooperative is MULTI-PURPOSE and the purpose(s) for which this Cooperative is organized are to:
1. Encourage and bolsters savings mobilization and capital build-up among members;
2. Generate funds and extend loans to members for productive and providential purposes;
3. Engage in:
a) The credit and consumers-production, food processing and marketing of agricultural and industrial
products and its allied services;
b) Purchase of real estate for development, housing business and selling;
c) Public Transportation Service and all its allied services; with the following route, to wit:
 Paracelis to Bontoc, Mountain Province via Kalinga Province,
 Paracelis to Bontoc, Mountain Province via Natonin,
 Natonin to La Trinidad Benguet via Ambuklao,
 Paracelis to La Trinidad Benguet via Ambuklao,
 Paracelis to Tuguegarao via Kalinga Province,
 Paracelis to Santiago via Alfonso Lista Ifugao
 Paracelis to Roxas, Isabela,
d) Owning, leasing, and operating “Monetary Collecting and Remittance Center”, i.e. the cooperative as
remittance agent and or collecting agent through transferring / transmitting money on behalf of all its
stakeholders as defined under existing rules and regulations in both domestic and foreign exchange
business;
e) Public Market service and its allied components.
f) Pharmacy Business.
4. Work with the cooperative movement, non-government and government entities;
5. Act as guardian to Laboratory Cooperatives.
- Approved this resolution thru rising of hands with 654 voted for yes.
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CDA REG. 9520-150009986 TIN: 004-035-943
 RAFFLE DRAW:
Lending Major Prizes:

1st Prize: Honda TMX : Alexander Roldan
2nd price Laptop : Patrick Lapon
3rd Prize: Sala Set: Omar Bautista

4th Prize; Dinning Set: Galang Mercedita
5th Prize: Aparador: Michelle Pugal
6th Prize: Pressure Cooker: Elvie Gonayon
7th prize: Stock pot: Victor Wansi
8th prize: eureka stand fan : Paula Piluden
9th Prize: 1 pair spade and shovel: (10 pairs)
 Maila BAtalao
 Lovenia Manat
 Mercy Danggalan
 Paula Piluden
 Dave Kenept
 Zham Manangan
 Aldrin Cullapoy
 Delia Roldan
 Cherry Ann Tablang
 Lovenia Manat
Sales:
1st prize :Sala set: Benita Kirang DXN INSTANT MEMBERSHIP
2nd prize: sharp Ref : Naslyn Arzadon 23 pax
3rd prize: Pigket with feeds (set) : Jasmin Tucay 1. Florita Lim-ang 2. Hiedie Dela cruz
4th prize: Sharp twin tab washing machine: Paula Piluden 2. Vilma Bucatan 4. Remina Ewangan
5th prize: Piglet with pre starter feeds : 5154 5. Jemerson Sambrano 6. Emily Bagoyboy
6th Prize: worth 500 grocery packs: (10 packs) 7. Hazel MAnzano 8. Juliet Alambra
 Monaliza De biean 9. Brenda Medina 10. Yolanda Widwichan
 Tessie Sagun 11. Dominga Cartagina 12. Johny Lihoc
 Gayo Besa 13. Melody Navarro 14. Pacita Ewangan
 Gayo Besa 15. Vivian Bautista 16. Lucy Lanada
 Amy Versoza 17. Conception Pajdio 18. Fredelyn Aucena
 Helen Ayao-ao 19. Patrick LApon 20. Aurora martin
 Frenzel Villaflor 21. Arlene Lihoc 22.Editha Ngayudan
 Frenzel Villaflor 23. Janery Versoza
 Fely Ramos
 Rachel Lorenzana
TAGCHEM PRIZES:
 Electric kettle 1 : Mrs. Patricia Umangil
 Electric kettle 2 : Bacani , Caridad
 Coffee maker 1 : Amy Versoza
 Coffee make 2 : Belen Apolog
 Blender: : Laila Abalos
We also give token and give always 1 personalized mug with DXN Coffee and 100 pesos inside the mugs) and calendars.
The meeting ended at 3:30 pm with a closing prayer by Fr. Johny Sarangay. Congratulations to all winners and God Blessed
us all!!
Signed by:
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CDA REG. 9520-150009986 TIN: 004-035-943
Rosaline A. Siblag Patrick M. Lapon Rosita K. Pakinkin Karis C. Bayon

Chairman V-Chairperson Member Member
Shirley C. Maclinic Beatriz P. Waggay Damian Lutwachen

Member Member Ex-Officio
EDUCATONAL FOUM (SSS & COMELEC)

- The reports continued but the management give some time for the Social Security System Staff to
give us updates on SSS contribution and benefits.. The Dispatched officers gave them 20 minutes for
discussion:

WHAT IS SSS ALKANSYA PROGRAM?
- The SSS AlkanSSSya Program is a micro-savings scheme launched in 2012 that enables ISG members
to save a part of their daily income for as low as P11 a day in personalized metal compartments for
their monthly SSS contributions.
HOW MUCH IS THE LOWEST CONTRIBUTION?

- Members are registered as Self-Employed members and required to meet the
Php3,000 monthly salary credit, which translates to a Php 350 monthly contribution. IF workers can
declare a higher monthly income than the required minimum, and contribute higher amounts for a
higher monthly salary credit.
On Sickness benefit:
To qualify for sickness benefit, a member must have been unable to work due to an illness for at least four days whether
confined at home or in a hospital. The member must have at least three monthly contributions within the 12-month period before
the semester of illness.
A member who suffers partial or total disability with at least one monthly contribution paid to the SSS prior to the semester of
contingency is qualified.
Partial Disability
A complete and permanent loss or use of any of the following body parts, but which does not totally prevent a member from engaging
in any gainful occupation.
FUNERAL
A funeral grant of P20,000 (effective September 1, 2000) is given to whoever pays the burial expenses of the deceased member or
pensioner.
For self-employed/ non-working spouse/ OFW members - the deceased SSS member must have paid at least one (1) monthly
contribution, for his/her beneficiaries to be entitled to the funeral benefit.
For employed members and those separated from employment - the deceased must been reported for coverage by his/her employer,
even if no contribution was paid, for his/her beneficiaries to be entitled to the funeral benefit.
HOW MUCH IS THE MONTHLY PENSION OF SSS?

The amount of the monthly pension will be based on the member's number of paid contributions and the years of membership prior
to the semester of disability. The lowest monthly pension is P 1,200 PLUS 1000 additonal to all pensioners = 2200/month.
Q: if a member is 55 years old, if in case nga adda pagbayad ko, mano amin ti bayadak?
A: we do advice nga e advance payment you diay pang ten years apo.
Q: DAti nga member nak ngam nag stop nak, maka claim nak pay ba no matayakon?
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CDA REG. 9520-150009986 TIN: 004-035-943
A: At least have three (3) payments within the 12-month period before the death.
RETIREMENT BENEFIT:
There are two types of retirement benefit:
A. Monthly pension - a lifetime cash benefit paid to a retiree who has paid at least 120 monthly contributions to the SSS prior
to the semester of retirement.
B. Lump sum amount - granted to a retiree who has not paid the required 120 monthly contributions.
ON LOANS:
Q: MANO KADI NGA TAWEN SAKBAY KAMI MAKA LOAN?
The barrower or applicant must have the following qualifications:
a. The borrower must be a member of SSS who has at least 36 months contributions and 24 continuous contributions in the
period prior to application.
b. Age of member is not more than 60 years old at the time of application.
Q: Mano nga bulan ti contribution bago makapagpa-ID?

A: At least may 1month ka na posted contribution. Ket no adda 100 members kayo nga kompleto ti requirements na mabalin nga
dakami ti umay ditoy for your humid IDs.
With no other questions, the open forum was closed..
*COMELEC: BY Mrs. Virginia Chokowen

- Just an information that registration for voters was resumed from January 2020 until December 2021. Applications
may be filed from Mondays to Saturdays, including holidays, from 8:00 A.M. to 5:00 P.M. at the Office of the Election Officer or any
satellite registration site in the locality where the registrant resides."The Commission will open the registration process on Saturdays
and even holidays to allow more applicants to be accommodated, especially students and working people who may not have time
during weekdays
Qualification of Voter:
a. Must be a citizen of the Republic of the Philippines.

b. Must be a resident of the place where you intend to register for at least six months.
c. You must be at least 18 years of age on or before the election date.
d. You have not been adjudged as mentally incapable by a court or by competent authority.
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CDA REG. 9520-150009986 TIN: 004-035-943
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CDA REG. 9520-150009986 TIN: 004-035-943
TREASURER’S REPORT
To our brothers and sisters of the St. William's Multi-Purpose Cooperative, a Blessed day to all of us!!!
Once again for transparency, the cooperative loan releases composed of the following are as
follows:
Credit & Savings / Micro/ Macro
Productive and Providential Loan Releases for C.Y 2020-2021
Roxas 2,526,739.47 Micro Finance 2
1,417,050.00 Regular Loan
60,000.00 SM Loan
4,112,823.50 Total
MDBB 145,185.97 Appliances Loan
1,360,000.00 Long Term Business
10,000.00 Calamity
5,000.00 Special
2,720,000.00 Long Term Loan
467,044.88 Micro Finance 2
4,709,000.00 Regular Loan
9,416,230.85 Total
Namillangan 549,422.56 Micro finance 2
1,643,500.00 Regular Loan (Agri.)
81,100.00 Regular Loan (Bus.)
35,456.33 Appliances
510,000.00 Regular Loan

50,000.00 Salary
956,393.50 SM Loan
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CDA REG. 9520-150009986 TIN: 004-035-943
6,175,872.39 Total
SWMPC Main 747,458.68 Appliances Loan
14,303,745.00 Regular Loan (Bus.)
2,070,000.00 Calamity Loan
250,000.00 Long term (High Value Crop)
6,750,000.00 Long Term Loan ( Housing)
1,522,000.00 Micro Finance 1
2,247,350.40 Micro Finance 2
90,648.00 Micro Finance 3
100,000.00 Macro Business
15,185,000.00 Long Term ( Mobility)
7,790,000.00 Long Term ( Real Estate Loan)
113,722,200.00 Regular Loan (Agri.)
22,200,000.00 Long Term Business
12,147,400.00 Regular Loan ( Providential)
386,000.00 Special Loan
5276,000.00 Salary Loan
9,487,958.79 SM Loan
246,327,760.87 Total
Total loan releases for the year ended 266,032,687.61
141,572,959.01 Loan Releases 2021
124,459,728.59 Loan releases 2020
120,982,258.73 Loan releases 2019
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CDA REG. 9520-150009986 TIN: 004-035-943
Prepared By:
REMEL E. LIYAC
Treasurer
AUDIT AND INVENTORY COMMITTEE

By: Rosendo S. Navarra
We, the Audit Committee hereby submit our findings for the calendar year December 2022-2021 which as
follows:
Activities Result
We received the Cooperatives statement of Asset: Increased to 25, 535, 308. 05

financial condition
Liabilities: Increased to 20, 594, 196.19, these are the
savings and time deposits withdrawn by the members.
Equity: Increased to 4, 811, 569.06, this is due to the

increased of membership and old members increasing
their share capital.
The Statement on Financial Gross income: Increased to 28, 853, 581.66

Operation
Expenses: Increased to 26, 969, 802.44
Net Income: Decreased to 1, 883, 779. 22
On liquidity ratio (from current asset over liability

deposit) is 92% standard shows that above 223%
measures the ability to service its members deposit on
time.
Profitability ratio (net income over gross income) is 7%

based on the standards, this should be less than 30%.
This means that 93% of the total income is for
operational expenses while 7% is our remaining
earnings for the year.
Net income over share capital is 0.04 meaning for every

Php 1.00 share, it earned Php 0.40 for the year 2022-
2021
Solvency Ratio: (Total liabilities over total assets) is

0.77. This shows that 0.77 for every Php 1.00 is
deposited as savings, time and special deposits.
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CDA REG. 9520-150009986 TIN: 004-035-943
Total Equity over Asset is 0.24 which means that 0.24

for every Php 1.00 is from share capital. This shows
that we are consistent in our capital building up
strategy.
MEMBERSHIP Regular members paid up share capital is

49, 631, 552.65
Time Deposit: 30, 861, 181.60
Term Savings: 8, 684, 733.12
Abuloy savings: 7, 184, 363.99
Retirement savings: 3, 186, 624.18
Signed by:
ROSENDO S. NAVARRA CECILIA OCCAS MELODY NAVARRO

Chairperson Secretary Member
EDUCATION COMMITTEE REPORT 2020-2021

By: Patrick M. Lapon
Before anything else, I would like to thank our Father who created everything for he has blessed the
Cooperative for its 25th founding anniversary although we are going through this pandemic.
To address the adverse effect of the pandemic wherein social gatherings was not allowed, the department
were tasked to conduct one- on- one PMES to further increase the membership. The management were able to
recruit 256 individuals, 100 male and 156 female on the calendar year 2020. Most of the added members came from
Natonin, Mountain Province thus, as of December 2020, we gained a total of 2,578 members moreover in 2021 we
garnered 555 members that composed of 355 females and 200 male with a total number of membership of 3,133.
Unfortunately, there were 20 members departed on the year 2021.. so at the end of December 31, 2021 the total
membership we had is 3,113 members .
With this kind of membership, each of us were challenged to do our part and to recruit more members .
We are advised to recruit our family members, friends, friends of friends and relatives to be part of our growing
family.
Be part of the Saint Williams MPC road to 5000 members!!!…
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CDA REG. 9520-150009986 TIN: 004-035-943
Patrick M.Lapon
Edcom Chairperson
ELECTION COMMITTEE REPORT 2020-2021

By: Irene C. Bayon
Idi napalbas nga tawen 2021 Nagmeeting kami nga election committee ket napagnunumwan mi nga mai
cancel ti General Assembly gapu iti corona Virus Pandemic. Ket amin nga officers iti daytoy nga tawen ket ngtultuloy
da a kas metlng suggestion ti CDA nga isu met ti inadoptar me. Ita nga tawen 2022 ng nunumwan me manen nga
maituloy ti general assembly ket ma e open ti application para kadagiti mangkayat nga ag officer ngem mai postponed
ti date ti General Assembly na inton March 26, 2022 gapu na nga iti February ket naka level 4 paylang ti mountain
province. Ket idi February 28, 2022 nag meeting kami manen para iti final screening para kadagiti applicante.
BOARD OF DIRECTOR: AIC ELECOM
1. Rosita Pakinkin 1. Cecilia Occas 1. Fermina Toc-go

2. Rosaline Siblag 2. Irene Bayon 2. Benita Churana
3. Beatriz Waggay 3. Jenny Calis 3. Mary Jane Laus
4. Karis Bayon
5. Lutwachen Damian
6. Shirley Maclinic
7. Patrick Lapon
Signed by:
IRENE C. BAYON BENITA A. CHURANA FERMINA E. TOCGO

________________________________________________________________________________________
ETHICS COMMITTEE REPORT
This is to certify that there are no Cooperative problems encountered for the year 2020-2021
despite of this covid 19 pandemic….To God be the Glory!
Signed by:
RENESIO ANNOQUE PATRICIA PEDRO BENITA BOGWAN

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CDA REG. 9520-150009986 TIN: 004-035-943
CONCILIATION AND MEDIATION (CONMED) REPORT

2020-2021
This is to certify that there are no Cooperative issues raised for the year 2020-2021 for us to administer.
Signed by:
Docelia Fiadcong Delia E. Balnao Francisco Tango

____________________________________________________________________________________
BOARD OF DIRECTOR’S REPORT FOR 2020-2021

A. On
Membership 1. Res. 21- 22.-: Approved the Approved to have education committee wherein
the staffs are allowed/ authorized to conduct any of the three categories of
PMES specifically, one-on-one PMES, Regular PMES, and Special PMES even
without the presence of education committees which includes the General
Manager, Operation Manager, and Cooperative Secretary. The Board of
Directors were also allowed to conduct PMES, however, only in the midst of
the pandemic.
2. Res. 21-22: Approved 249 + 555 = 804 new members for 2021-2022
3. Res. 20.03: Approved that the members without tin numbers will be defined
as inactive member as per the definition of CDA standard such as;
 Members who are declared not in good standing;
 Members whose whereabouts are not known for the last continuous
period of six (6) months;
 Members who do not have transaction or not patronizing any
business of the cooperative for the continuous period of at least six
(6) months;
 Members who are not participating in the activities of the cooperative
held within the period of six (6) months.
4. Res. No. 20.04 : Approved that PMES be shortened from 1 day to 2 hours
and that the application form will be simplified to 3 pages
5. Res. 20.01: Approved the suspension of benefits such as HAP, Div. &
Patronage for in active and new members without submitting the requirement
of having a (TIN) .
B. On Human
Resource 6. Resolution 20.5: Approved the hiring of three (3) female. Two (2)
administrative clerk that will assist in preparing reports and other related
 On Hiring
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CDA REG. 9520-150009986 TIN: 004-035-943
paper works and will assist the desk officer and one (1) sales clerk that will
help in the marketing of Cooperative’s products
7. Res. 11.12.21: Approved the hiring of 4 clerks for accounting and sales
department.
8. Resolution 21.12.05. Approved that there will be back pay for the employees
for the year 2021 or wage order
C. On Operations 9. Res. 20.09: Approved that Appliance Loan and Special Loans of Staff shall
revert to LR SSRF. That is, they will borrow against the Retirement Fund to
increase said fund. Whatever interest or markup shall be added to the Fund
10. Res. 20.10: Approved that the appliance loan under SSP be stopped.
However, existing collectibles or receivables will be collected under the SSP
service.
11. Res. 20.11: Approved that Appliance Loan and Special Loans of Staff shall
revert to LR SSRF. That is, they will borrow against the Retirement Fund to
increase said fund. Whatever interest or markup shall be added to the Fund
12. Res. 20.12: Approved that the appliance loan under SSP be stopped.
However, existing collectibles or receivables will be collected under the SSP
service.
13. Res. 20.13 Approved the creation of whole selling with the following
guidelines
 Price will have a minimum markup of 5% of delivered price.
 If SRP is a discounted price, then it will be the basis for pricing
 For I feeds that have a fixed mark up, wholesale price will be SRP less
Php50.00 for 1 bag and less Php25.00 for 25 kgs..

D. On Lending: 15. Resolution no. 10 s. 2020. Approved the Proposed Appliance Loan to
regular members purposely to purchase gadgets for online studies and
for purchase of an appliance with the following guidelines: (see fig. 1)
Equity: loan ratio is 1:10.po

Charges and fees shall be pre deducted:
b.1 Interest imposed will be 1% per month.
b.2 Service fee of 2% annually
b.3 Endowment fund and loan redemption fund shall be .05% each.
b.4 LRF 2 insurance
Maximum loan term is 1 year.
Mode of payment is monthly.
Grace period is 5 days
Fines is 5% per month computed on a daily basis.
The item or appliance purchased shall be a part of the collateral
Loan ceiling is Php 50,000.00
Together with the appliances loan with its mechanics:
That the items shall be purchased from Sales with a wholesale price
(about 3.5 to 5% markup)
That interest of loans shall be 9% per annum and this shall be pre
deducted on the release of loan
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CDA REG. 9520-150009986 TIN: 004-035-943
16. Resolution-2021-01-05. Approved the creation of Credit Line for Group

barrowing loan under Supply and Marketing (SM) proposed policies:
 Borrower or group leader must be a member in good standing.
 Group leader will select his group mates and list their needed farm inputs and
submit to the office for processing. He/she will also be the one responsible
in monitoring of the projects and collecting and remitting of payments.
 Credit line approval shall be based on the appraisal of borrower’s capability,
capitalization, collateral and character.
 Charges shall follow existing SM policies except on FD: Loan ratio which will
be changed to 1:10.
 For purposes of computation, ceiling for corn production is Php 40,000.00 per
hectare and Php 35,000.00 for rice farming. For fisheries, for 10 thousand
fingerlings it will be P150, 000.00 pesos.
 Loan process: borrower will file loan application (several loan documents shall
be pre-signed), credit line is processed and approved, inputs will be picked
up on agreed date [needed items be requested earlier], loans shall be
credited as released.
 No cash component (see fig.1)
17. Resolution-2021-05-36. Approved for those who borrowed under MEF2

who paid their loans, but their partners did not to be given a MEF loan.
They can apply under MEF1 provided that they increase their fixed
deposit to comply with the MEF1 policies and they must have a good
track record of payments. The initial loan ceiling of Php6, 000.00 shall
be waived so that the MEF borrowers can still get a net of Php10, 000.00.
(however, the partner will still continue to collect the past due account of
her partner)
18. Resolution-2021-05-37. Approved the scheme on MEF3 that it shall

follow the MEF1 policies except for the mode of payment which can be
done daily (Monday- Friday) but booked weekly and the service fee will
be increased to 2.5% and will be piloted in Paracelis areas. (see fig. 1)
19. Resolution-2021-05-38. Approved that an additional charges on loan

redemption funds (LRF) which is 0.50% and 0.50% endowment fund (EF)
be added as charges from MEF 2 loan.
20. Resolution-2021-05-39. Approved that on MEF loans, interest rates shall

all be 1.5% per month. It will be the service fee that may be increased
depending on the difficulty in the collection, but the minimum is 2% per
cycle (6 months)
21. Res. 22.02. Approved an amount 800,00.0 customized loan for SWP for
the rectory
22. Resolution-2021-06-48. (On loan security) Approved to increase the

“Face Value” from 20, 000.00 to 50,000.00, that is a borrower can borrow
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CDA REG. 9520-150009986 TIN: 004-035-943
an amount equal to his/ her share capital plus PHP 50,000.00 without
hard collateral. Applied for regular loans only. (Applicable
for an unsecured loan only) (see fig.1)
23. Resolution 22.01.02: Approved that 5% of the Div. & patronage of internet
will be divided to internet members with heir fixed deposit and the rest
will be put on depreciation
24. Res. 22.. 3The new policies on long term loans.. (See fig. 1)
E. Raffle Draw 25. Resolution 21.10.05. Approved the Raffle Draw 2022 effective on
October 18, 2021 to February 12, 2022 with the following policies who
will be given tickets..:
 On Deposit
 Php 500.00 Fixed Deposit (single receipt) = 1 raffle ticket
 Php 1,000.00 Term savings (single receipt) = 1 raffle ticket
 Php 1,000.00 Abuloy Savings (single receipt) = 1 raffle
ticket
 Php 2,000.00 Time Deposit (single receipt) = 1 raffle ticket
 No withdrawal of Time deposit, however, if the time
deposit was withdrawn before it matures, the ticket
number will be cancelled.
 No tickets for institutional depositors.
 On Payment
Php 1,000.00 payment to Credit, Sales, and Supply
and Marketing = 1 raffle ticket
 Php 1,000.00 Fines Collectibles (single receipt) = 1
raffle ticket
 Php 500.00 payment to APLL (single receipt) = 1
raffle ticket
26. MEF Payment: Php 1,000.00 payment on principal amount (single
receipt) = 1 raffle ticket
F. Fund 27. Resolution-2021-06-56. Approved on lowering of time deposit interest
Management from 6% to 5.5%, however, the old depositors will still have 6% interest
on their time deposit while the new depositors of August 01, 2021will have
an interest of 5.5%. (see fig.2)
28. Res. 20.08: Approved that the APLL must be increase by the following:
 Only collections from APLL payments shall be used for writing off. The 20%
from net income shall be used if delinquency ratio reaches more than 20%.
 Move one million fund from Valuation Reserve and one million eight hundred
form LRF to APLL. These funds can be returned to the original fund once
adequate APLL funds be accumulated
 The GRF shall be transferred to APLL
 Writing off of past due loan must be done after 5 years. If APLL is inadequate
to cover the written off amount, this may be taken from the income.
29. Resolution-2021-07-61. Approved the interest on Term Savings and
Abuloy savings shall follow the 5.5% interest except for the bracket
amount on Time Deposit.
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CDA REG. 9520-150009986 TIN: 004-035-943
30. Resolution-2021-08-66. An amount of Php 60,000.00 was approved

allocated from the Cooperative Educational and Training Fund (CETF)
for Scholarship Fund and a continuous program.
31. Resolution-2021-08-68. Approved That LRF1 may be used to fully pay
the LR APLL of departed members after all assets (deposits, etc) are
used up or deducted.
32. Resolution-2021-06-54. Approved that a member can still avail his/ her
HAPFA after a month of being hospitalized.
33. Resolution-2021-06-55. Approved that if a member incurred the illness
on the last day of the Fiscal Year and continued to the next FY (example
from May 30 to June 1), he/she can claim his HAPFA on the previous
fiscal year.
34. Resolution 21.06.09 : Approved the renewal of LBP credit line from 85
Million to 100 Million pesos with the same signatories the manager and
Treasurer.
35. Res. 20.19: Approved the resolution to open of Savings account to Land
Bank of the Philippines Sand Isidro Branch for ACPC (SURE)
36. Res. 20.29: Approved the resolution that 100% of general reserve funds
be put in LSM/ EDSCO which includes 10% of time deposit on the year
2020, 30% of savings deposit and 50% of endowment fund for 2021
37. Res. 20.21: Approved the resolution in the Opening of Account to We
Access Internet Banking at the Land Bank of the Philippines- Santiago,
Isabela Branch
38. Resolution-2021-01-02. Approved the following funds to be reverted to
itself and be invested with the following information:
 To deposit GRF amounting to 2,700,000.00. That this amount be invested at
EDSCO or EDFLSM. Interest income on deposit shall be used for operation.
 Maintain bank deposits of 20% SD amounting to 6,200,000.00 and 5% TD
amounting to 1,850,000.00. This 8,000,000.00 must be maintained in the
banks for liquidity purposes.
 Endowment Fund amounting to 6M shall be invested or deposited at
EDFSLM. Income from this fund shall be used/designated for a special
project. This shall be withdrawn only if there is a dire need of cash such as a
bank run, etc.
G. Transpo. 39. Resolution 22.01. 08 : approved the purchase of mini elf for banana
transportation
40. Res. 22.02.16: approved to apply our transpo service to shuttle service.
H. Internet 41. Res. 22. 02.011: Approved the amount of 700,00 budget to upgrade our
internet service into fiber optics
42. Resolution 22.01.04 approved the amount of 180,000.00 for grid
installation of internet at amulong
I. Loan 43. Resolution-2021-09-77. Approved the proposed policies or implementing

Protection/ guidelines on Loan Protection/Insurance
Insurance
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CDA REG. 9520-150009986 TIN: 004-035-943
 In as much as the Cooperative was not enrolled as

an” insurance” cooperative, the management shall
outsource Insurance Companies to cover the loan
protection needs.
 Implementing guidelines for existing partner
Insurance Companies:
 The Cooperative followed charges suggested by the
insurance companies;
 For easier monitoring, only regular (credit and supply
and marketing), business loans and long-termed
loans amounting to more than TEN THOUSAND (Php
10,000.00) shall be insured under this company/ies
(for now, it is only the CISP). All loans from Roxas
outlet shall be insured under Manulife.
 Loans for members aged 65 years and above
regardless of the amount of loan shall be enrolled
under CISP. A discount of 50% shall be deducted
from the member’s charged, thus the other 50% shall
be the counterpart of the coop for remittance.
 For loans not covered by the above loan protection,
our “in house loan protection” which is the Loan
Redemption Fund 2 (LRF2) shall be used. Thus,
LRF2 shall be used to cover MEF loans, and all loans
Php 10,000.00 below.
J. Delinquency: 44. Resolution 21.10.06. Approved to continue the giving of 40% discount of
fines until the year end of December 2021.
K. MAP Policy 45. Resolution 22.01. 03: Approved the amount of two hundred pesos
210,000 pegged as maximum MAP member’s benefit for the year 2022.
46. Resolution 22.02.09: approved to amend the new policy of abuloy
savings (MAP) : (see attach docs.)
L. ISAP 47. Res. 20.07: Approved the suspension of ISAP operation due to the
due to the occurrence of ASF that caused the death of 150 heads of
pigs that the department came up with a decision that the said allied
service will take a rest.
48. Res. 20.14: Approved to venture on Egg Production Project that due to
the occurrence of African Swine Flu (ASF), the management attained an
idea to venture on egg production to further address the adverse effect of
ASF.
49. Resolution 22.01.06: approved 250,000 for the ISAP water works at ISAP
M. Accounting 50. Res. No. 20.06: approved the payment of 549, 588. 69 pesos to the
Bureau of Internal Revenue (BIR). As charge in our 2017 charge. The
Cooperative was charged 594, 588.69 on the year 2017 by the Bureau
of Internal Revenue (BIR) and is mandated to pay the said amount
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CDA REG. 9520-150009986 TIN: 004-035-943
N. Infrastructure 51. Res. 20.17: Approved the improvement of Saliok outlet for the building
Projects extension that is due to the gaining revenue and increasing number of
customers, we need more space for warehousing.
52. Resolution 22.01,9: approved the amount of one million pesos for the
Amangyen’s renovation
53. Masablang Complex
O. Carbon Off-set 54. Resolution 21.12.06. Approved the Special Project about Solar Power
with an idea to help the earth lessen its carbon dioxide.
55. Res. 22. 02.04: Approved the amount of 500,00.00 pesos budget for the
enhancement of the solar project
P. Expansion 56. Res. 20.15: approved Namillangan outlet to process as a satellite office
Q. On Social 57. Res. 20.18:

Responsibility:  Approved to donate DXN coffee, barako, peanut
On Donations butter, banana chips and alcohol to the front liners
cared of to LGU- Paracelis
 Approved to participate in Bloodletting activity
sponsored by Red Cross
 Approved to be a Kadiwa Center in partnership with
the Department of Agriculture to distribute goods
worth Php2, 000.00 to address the needs of
marginalized people within Mountain Province and
nearby municipalities.
 Approved to support the solicitation drive of EDS for
the victims of flooding At Kalinga, Apayao
58. Resolution 22.01.01: Approved an amount of 20,000 donation to typhoon

Odette victims thru the Episcopal Church –National
59. Res. 22.02.19: approved 40,000 donation to the building of SWP rectory
60. Res. 20.22: Approved the resolution to be in partnership with the

Department of Agriculture with regards to ARISE- ARBs Program
R. POS 61. Res. 20.16: Approved one POS for Natonin to cater the needs of our
members and community
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CDA REG. 9520-150009986 TIN: 004-035-943
Loan Policy Matrix:
Figure 1:
ST. WILLIAM'S MPC LENDING MATRIX
REGULAR SPECIAL MEF MEF2 MEF3 APPLIAN SM LONG TERM LOANS
MONTHLY SEMI-ANNUAL
FEES AND
FD 0.005 0.005 1:10 0.005
0.01/12 on .01/YR on
LRF 0.005 0.005 0.005 0.005 0.005 0.005 0.005 dim bal semester bal
0.01/12 on .01/YR on
EF 0.005 0.005 0.005 0.005 0.005 0.005 0.005 dim bal semester bal
0.02/12 on .02/YR on
SF 0.01 0.01 0.02 0.02 - .04 0.02 0.02 0.01 dim bal semester bal
.0125/30 .015/30 .01/MO on .0115/MO on
INTEREST DAYS .01/30 DAYS .015/MO .015/MO .015/MO .09/YR DAYS DIM BAL semester bal
30 - 180 30 - 850
LOAN TERM DAYS 60 DAYS 6 MOS 6 MOS DAYS 5 YRS, 5 YRS MAX
1 YR for
PENSIONERS
.05/MO.C
.05/MO .05/MO.CO .0125/WEE .0125/WEE .0125/WEE OMPUTE .05/MO .05/MO OF
FINES COMPUTED MPUTED K K K D COMPUTED DUE .05/MO OF DUE
DAILY DAILY DAILY DAILY AMORTIZATIO AMORTIZATION
COMPUTED COMPUTED
GRACE PERIOD 15 DAYS 7 DAYS 2 DAYS 2 DAYS 2 DAYS 15 DAYS 15 DAYS 15 DAYS 15 DAYS
EQUITY:LOAN 1:2 - 1:5 1.1 1:4 FOR 1:10 1:10 1:10 1:5 - 1:10 1:10 1:10
ON OR
PAYMENT ON OR ON OR SAT URDAY WEEKLY + MONTHL BEFORE
SCHEME BEFORE DUE BEFORE DUE S 40 SD Y DUE MONTHLY SEMI-ANNUAL
DATE DATE W/ 20 DATE
REM AS REM AS APPLIAN REM AS ATM, MOA REGISTERED

COLLATERALS REQUIRED REQUIRED CE WILL REQUIRED, AND REM REM,
BE THE
COLLAT DEED OF ACQUIRED
ERAL, ASSIGN- ASSET
REM IF MENT FOR MAY BE
NEEDED PACKAGE OBLIGATED
ONCE, ALLOWED 1/2 OF LOAN 1/2 OF LOAN IS
LOAN RENEWAL RESTRUCTU DURING IS PAID PAID
THE NEXT CALAMITIES
LOAN CEILING 1,000,000.00 5,000.00 30,000.00 24,000.00 5,000,000.00

NOTE:
1. Effective July
2. Customized
3. Calamity Loans shall be offered if approved by the BOD
4.Face Value is increased to maximum of P50,000. As a guide, the 1st year if 5,000, 2nd year is 20,000, 3rd is 30,000, 4th is 40,000.00 and 5th
is 50,000
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CDA REG. 9520-150009986 TIN: 004-035-943
Figure 2.
DEPOSIT RATES
EFFECTIVE AUGUST, 2021
MINIMUM DEPOSIT
INTEREST RATE DURATION TO EARN INTEREST
TIME DEPOSIT 5.5 % PER ANNUM 1 YEAR 100,000.00

5 % PER ANNUM 1 YEAR 5,000-99,999.00
2 % PER 6 MONTHS 6 MONTHS 100,000.00
1.5 % PER 6 MONTHS 6 MONTHS 5,000-99,999.00
SAVINGS DEPOSIT 1 % PER ANNUM COMPOUNDED QUARTERLY 500.00

(ADB)
TERM SAVINGS 5.5 % PER ANNUM REG TS - 5 YRS 500.00

KIDDIE TS - COLLEGE (ADB)
OR AGE 18.
RETIREMENT TS-65 YRS
ABULOY SAVINGS 5.5 % PER ANNUM WITHDRAWN FOR - 500.00

(MAP) DONATIONS ONLY (ADB)
1. All deposits after effectivity shall follow the new interest rates. Deposits before effectivity shall
earn the old rate.
2. Time deposits if not renewed shall earn an SD interest
EXAMPLES:
1. balance as of 12/31/2015 is P400.00
2. deposited on 2/7/2016 an amount of 1000.00
3. withdrawn an amont of P500.00 on March 14, 2016.
Plotted on ledger:
Date Ref Deposit Withdrawn Balance
31/12/2015 100.00
07/02/2016 1,000.00 1,100.00
14/03/2016 500.00 600.00
31/03/2016 600.00
600.00
Using the old computation

ADM=100+1100+600 Interest = 600 x .01/4 = 1.50
3
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CDA REG. 9520-150009986 TIN: 004-035-943
Saint Williams Multi-Purpose cooperative

Butigue, Paracelis, Mt. Province
KRA EXPECTED STRATEGIES / 2021 2022 2025

OUTPUT ACTIVITIES ACCOMPLISH
MENT
1. Members  Information
hip dissemination
 500  3113  3213  5000
Developm (notices posted
additional regular
ent on strategic
members members
a. Memb places, social
ership per year media)
expan  Visitation and
sion encourage outlet
personnel to
deliberately
campaign for
member’s
recruitment
 Encourage
associate savers
reaching the age
of 18 to become
members
 Continue with
shortened and 1
on 1 PMES.
 Use of social
media (group
chat, online
PMES)
 Special PMES
 Regularly update
PMES Manual
 Outlet personnel
be delegated to
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CDA REG. 9520-150009986 TIN: 004-035-943
give one on one

PMES
b. Memb  Members  Conduct MES Continuing Continuing Continuing
ership updated on  Invite members
Educat new to join On Site
ion policies. PMES.
 Text blast
 To reach a  Loan counselling Continuing Continuing Continuing

delinquency be done during
ratio of 10% the loaning
or below process.
every end of  Home visitation
the year. for collection
 Social media (
text blast)
 Remedial
measures be
offered to
delinquent
members
 Collection thru
legal means.
2. Organizati  Satisfied  Provide good Continuing Continuing Continuing
onal customers and professional
Developm and customer service
ent members  Clean and
a) Image hospitable coop
Devel compound.
opme  Enhance green
nt compound
b) Offices  To make  Put up offices in  Renovatio  Construct  New office

accessible every barangay n of the an office at Saliok
the services in Paracelis and old office at fronting
of the coop in every area was done. Buringal, the road.
to all where there are Palitud,  Constructi
members. least 100 and Sta on in
Maria Natonin
members
 Basement will start.
2 of
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
Masablang  Masablang
Complex function
will be in hall is
use. constructe
d.
c) Coop  All coop lots  Titles of  Perimeter 
lands/l secured. lots/lands are fencing be
ot transferred to done in
Coop Sta Maria
and Saliok
 Acquire lot
in Buringal
d) Licensi  All services  Apply for  Started  Follow up
ng and outlets business permits processing processing
are duly for new our NTC of permits
licensed. ventures. permits. with NTC.
 Renew existing  Process
shuttle
permits.
service
franchise
e) Policy  Policy  Review and  The 2024
Manu manual amend existing edition of
al compiled policies. policy
and bound  Prepare and manual
approve policies shall be
used.
for new
ventures.
f) Compl  Submit report to

iance CDA as required
to
CDA
rules
3. Human  Second line  Open  Encourage
Resource officers are trainings/semina and train
Developm identified rs to interested younger
ent and trained. members. members
 Officers  Trainings and to become
completed officers.
seminars. Attend
a. Officers the CDA webinars given
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
required by secondary
trainings. coops
 Officers are
effective  Mentoring thru
and staffing
competent
in the
performanc
e of their
duties and
responsibilit
ies.
b. Staff  Effective  Organizational  Hired 1  Implement
and efficient Restructuring collector productivit
Work force.  Attend webinars. and 4 y based
 Work  Mentoring internet increment
backlogs be  Team building boys and 2 on
minimized ISAP boys. benefits
/retreat
 Upgrade
from the  Performance
salary
help of the evaluation
structure
system  Time Mgt. for the
 Regularizati  Personnel next three
on of policies be years.
employees. reviewed and
 Personnel implemented.
profiling –  Minimum wage
Updated  Appointment
 Hire needed letters and job
personnel description
 Hire needed
personnel.
4. Fund  To reach  Remind and  Reached  To reach  To reach
Managem half billion collect unpaid 275M 350M half billion
ent asset by subscription and asset asset asset
a. SMO/CBU 2025 MAP  APLL:  APLL: 11M  APLL: 15M
replenishment. 9.08M  FD: 69M  FD: 100M
 Review, amend  FD:  MAP:  MAP: 15M
and implement 57.13M 9.6M  RTS: 8M
SMO/CBU  MAP:  RTS: 4M  SD: 47M
policies 7.96M  SD: 31.5M  TS: 20M
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
 To deliberately  RTS:  TS: 13.5M  TD: 60M

deposit the 11.10M  TD::52M
general reserved  SD:
fund& 26.21M
endowment  TS:
fund. 11.10M
 Maintain 10% of  TD;
savings liability 43.15M
at our depository
banks for  Deposited
liquidity GRF and
purposes other
funds
b. External  Maintain  Pay external  Credit line  

borrowing good credit loans as it falls with LBP
s standing due renewed
with
banking  Borrow funds as
institutions needed
c. Financial  That all  Feasibility  Able to  35M gross  To reach a
performan projects or studies and reach income gross
ce services be business plans 31.71M GI income of
viable. are to be 50M
prepared before
any new
ventures.
 Review of
financial
performance
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
5. Accountin  Passbook ,  To perfect the Continuing  Install

g IDLL computerize team
Records printing system on loans viewing
managem thru  To review FS and apps for
ent electronic make necessary easier
system monitorin
adjustments or
g.
 Projects are effect
monitored corrections on
and policies or
evaluated. business
 On time management.
preparation  Real time report
of FS and schedules
 Members to
update their
membership
profile,
especially their
phone numbers.
 Systematic loan
transaction
 Paperless
Transaction
6. Business  To support  Loan counselling  New loan  To loan  Loan
Operation financial  CI/BI services out 170M portfolio
a. Lendin needs of  Complete introduced to reach
g members documentation this 2020 300M
& 2021:
 Encourage long
MEF3,
term loans which
Appliance
are income
Loan,
generating. Special
 Customize Loan
lending  Interest
 Loan application rates are
and loan lowered
updating via (see
social media. lending
 Accommodate matrix)
bank to bank
payments.
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
b. Sales   Training on Continuing Continuing Continuing

customer service
 To reach  Grains
and food
44M gross trading
processing
sales and OCOP
 Enhance OCOP
Products
production and market is
marketing and already
corn & palay establishe
trading. d.
 Research and
produce more
OCOP products
 Open additional
outlets in Bunot
and Bacarri.
 Increase goods
for sale in all
outlets.
 Additional Items
to be displayed
for consumers:
 Sell appliances in
support tor
Appliance Loan.
 Continue with
Wholesaling.
c. ISAP  ISAP be a  Increase  Started  To reach  The ISAP

Progra self- livestock piggery gross farm will
m sustaining production again after income of become
project. especially on the ASF. 100K ISAP an
poultry, native products agricultura
pig, ducks, etc per month l learning
site.
 To plant more
bananas and
fruit bearing
trees.
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
 To increase or
put up
infrastructure
support in the
ISAP farm.
d. Comm  All common  To ensure that  Continuing  Monthly
on service all the facilities targets
servic facilities and equipment are: Rice
e such as the are functional. mill and
faciliti reaper, rice hammer
es mill, mill –
60,000;
hammer
tractor
mill,
and reaper
coconut
– 50,000
grater, rice
grinder,
dryer are
being
patronized
by the
members
and the
community.
e. Transp  To get  To process  Target  Acquire
ortatio franchise franchise of income is mini buses
n for public vans. 200K
Servic transport. monthly
e  Purchase
mini elf for
banana
trading
f. Intern  To sell to  To continuously  To
et clients all monitor and distribute
Servic MBPS improve delivery 2000
es available of services to MPBS to
members. clients
before
 To create 2
teams for rigging
and configuring.
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
 Sub tower
installation in
every barangay.
 Possibility of
giving service to
Natonin.
g. Out-  All  Campaign for  Partnered  Offer the
source remittances SSS enrollees. with LBP upgraded
d to partners  Continue with …the Coop services of
progra shall be MOPRECO bill being a LBP such
ms: done on collection Banking as selling
Agent of Cards, e
electri time.  Campaign for St.
payments
c bill  Linkage with Peter Life Plan
with
collect partners is enrollees.
governme
ion strengthene  Tap additional nt
(MOP d POS machine for agencies,
RECO), Natonin outlet etc
fund  Continue with
transf True Money.
er
(LBP),
alkanS
SSya
progra
m
(SSS),
St.
Peter
Life
Plan,
h. Risk  All staff and  .  Continue
Manag members be observing
ement protected at  Visitation is protocols
all times. enhanced this and make
 Delinquency year to reach out adjustmen
control to those who ts in work
cannot visit the schedule
and
coop. Remedial
meetings
measures shall
if needed
be offered to
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
 To stabilize delinquent
the coop members.
financially  Increase and
deliberately
deposit Reserved
Funds.
 To consciously
maintain in the
bank 10% of all
deposit
liabilities.
7. Social  Continue  Enhance ISAP  The coop  Enhance
Responsib supporting program invested the Solar
ility the  Tree planting on solar Energy
a. In house environmen  Practice the energy Project of
social t.  The new the Coop
three r’s (reduce,
programs: MAP
re-use and
policies is
HAP, MAP, recycle)
 HAPFA out for
environme  Use solar energy implement
ntal wherever
 MAP ation
protection possible.
Program
programs  Continue with
HAPFA program
 Constantly
review the MAP
program and
institute
improvement in
its
implementation.
b. Concern  Partner with  Networking  A financial
to the medical  Continue support of
communit institutions support to the 60K per
y for conduct CLCI St. William’s year is
of medical Campus. allotted to
missions seminaria
ns of SATS.
 Infra
support to
Churches
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
PROPOSED 2022 BUDGET

Actual 2020 Proposed 2021 Actual 2021 Proposed 2022
REVENUES:
Sales 40,268,878.52 55,000,000.00 48,148,673.57 48,700,000.00
Cost of Good Sold (34,381,516.91) (50,200,000.00) (40,464,384.02) (40,900,000.00)
Gross profit on sales 5,274,724.61 4,800,000.00 7,684,289.55 7,800,000.00
Net interest income on Loans 14,814,313.75 15,000,000.00 14,477,558.48 15,500,000.00
Service fee 2,073,122.43 2,000,000.00 1,809,721.33 2,000,000.00
Fines,penalties and surcharges 898,111.77 1,000,000.00 856,150.25 1,200,000.00
Service Income 5,259,603.24 6,500,000.00 6,308,586.97 8,500,000.00
Interest from investment 2,317.61 10,000.00 150,000.00
Membership fee 67,420.00 75,000.00 110,900.00 100,000.00
Miscellanous income 463,968.25 500,000.00 470,759.86 500,000.00
GROSS INCOME 28,853,581.66 29,885,000.00 31,717,966.44 35,750,000.00
LESS EXPENSES:
Financing Cost:
Interest Expense on Borrowings 6,285,239.08 5,850,000.00 4,292,836.52 5,500,000.00
Interest Expense on Deposits 2,273,614.58 3,000,000.00 2,747,260.16 3,500,000.00
Other Financing charges 286,400.00 100,000.00 5,200.00 50,000.00
Administrative Costs:
Employees Benefit Expense 218,397.30 562,400.00 458,911.15 500,000.00
Officers' honorarium and Allowances206,153.50 333,000.00 199,900.00 300,000.00
Retirement Benefit Expense 515,692.00 540,000.00 550,935.00 560,000.00
Salaries and Wages 6,655,161.17 7,000,000.00 7,060,304.75 7,927,360.00
SSS, PHILHEALTH, Pag-ibig Contributions
499,981.06 575,000.00 655,927.02 811,260.00
Bank Charges 67,529.35 50,000.00 20,972.84 30,000.00
Collection Expenses 43,716.00 200,000.00 4,119.00 140,000.00
Communications 97,642.00 100,000.00 97,066.98 120,000.00
Depreciation Expense 1,742,771.50 2,000,000.00 1,913,936.32 2,000,000.00
Gas, oil & Lubricants 408,530.00 1,200,000.00 885,214.00 1,200,000.00
General Assembly Expense 359,526.50 3,000.00 500,000.00
General Support Services 350.00 1,360.00 20,000.00
Insurance 6,055.00 150,000.00 4,180.00 50,000.00
Litigation Expense 20,000.00
Meetings and Conferences 148,477.30 278,500.00 272,643.45 300,000.00
Members Benefit Expense 461,515.40 700,000.00 1,007,915.00 600,000.00
Miscellanous Expense 3,379,033.09 1,500,000.00 4,996,014.25 5,400,000.00
Office Supplies 455,117.52 470,000.00 835,693.13 600,000.00
Power, Light & Water 544,758.66 600,000.00 614,817.45 500,000.00
Professional fees 115,000.00 50,000.00 40,000.00 50,000.00
Promotional Expense 10,000.00
Repairs and Maintenance 318,374.00 320,000.00 426,180.96 400,000.00
Representation Expense 8,385.35 10,000.00 13,595.00 15,000.00
Social and Community Services Expense 100,000.00 50,000.00
Spoilage, Brokerage and Losses 50,000.00 352,097.09 300,000.00
Taxes, Fees and Charges 523,612.85 200,000.00 75,073.99 100,000.00
Trainings/seminars 13,739.10 100,000.00 2,941.10 50,000.00
Travel and Transportation 310,584.00 350,000.00 258,790.98 300,000.00
Provision for APLL 669,862.61 700,000.00 738,416.57 670,000.00
Provision for abuloy savings 228,852.64 38,000.00 32,508.97 33,500.00
Provision for equipment 15,987.94 10,000.00 46,096.41 10,000.00
Provision for SSRF 32,756.66 35,000.00 39,412.40 33,500.00
Provision for valuation 66,986.28 38,000.00 71,804.23 33,500.00
TOTAL EXPENSES 26,969,802.44 27,209,900.00 28,725,124.72 32,674,120.00

NET SURPLUS 1,883,779.22 2,675,100.00 2,992,841.72 3,075,880.00
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
Resolution for amendment:

Res. 01:
Amendment of the COOPERATIVE BY-LAWS on Article III:
Administration of the General Assembly Meeting (adopting the ARGAM)
 Articles III:
 Section I : General Assembly
- Be included :
“That General Assembly meeting of Saint William’s Multipurpose

Cooperative maybe done through:
d. face to face or physical mass gathering

e. Video conferencing platform
f. Combination of videoconferencing and physical attendance, Facebook
live can be used as an extension of videoconferencing platform.
 Section III : Meetings

- Be Included:
That meetings maybe conducted through any of the following:
c. Simultaneously, wherein meetings can be held in the same day,

d. Sequentially, wherein the meetings are held for a certain number of
days and adjournment shall be done on the last day.
Res. 02:
D. Amendment of the ARTICLES OF COOPERATIVE
 Article II types and purposes,
- to include
c.1. Internet Services
c.2. Saint William’s Inn
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
COOPERATIVE HYMN
PARACELIS HYMN
Our land lies on the eastern side Narito and pambihirang kilusan
Where the sun takes its rise Ating daan tungo sa kaunlaran
It links the mountain ranges to the plains Ang diwa nito ay pagtutulungan
Kasipagan, pagsasarili, pagkakapatiran
The rolling hill and valleys
Show the beauty we behold
Kaalaman patuloy na hinihirang
In our hearts we are proud to say Kamangmangan hindi binibigyang daan
That her name is Paracelis Sipag at tyaga ay mga puhunan
Upang harapin ang suliranin ng lipunan
CHORUS
Paracelis oh blessed land Kooperatibang may katatagan
Our loyalty to thee Sandigan ng sambayanan
Our faith in God Kapit- kamay nating tahakin ang landas
Trust to our leaders Tungo sa kanyang kinabukasan
Kooperatibang may katatagan
And to our people loved
Sandigan ng sambayanan
Then prosperity and peace abound
Ipagmalaki natin sa mundo
In our dear Paracelis land Nagtutulungan, nagkakaisa tayo
Paracelis land of the pilgrims’ pride Walang puwang ang pag awalinlangan
A place we call our own Bawat hakbang tiyak ang pagtutulungan
Our praise to thee we raise it in a song Mga pusong laging pag asa ang taglay
We pledge to care of your bounty Abot kamay silahis na tagumpay
Toil the land with dignity
That the next generation will be freed from poverty Kooperatibang may katatagan
Sandigan ng sambayanan
Kapit kamay nating tahakin ang landas
And we’ll always remember you
Tungo sa kanyang kinabukasan
Wherever we may be Kooperatibang may katatagan
You name will always be upheld Pinagpapala hg Maykapal
Our undying devotion to make our dreams come true Ipagmalaki natin sa mundo
Be seen in words and action Nagtutulungan, nagkakaisa tayo
For the fame and honor of your name
Taas- noo tayo sa mundo
Isang bansa, kooperatiba tayo
___________________________________________________________________
CDA REG. 9520-150009986 TIN: 004-035-943
THE COOPEARTIVE PLEDGE
AS A FILIPINO, I AM AND I BELIEVED IN THE COOPERATIVE

ALONE I AM WEAK, BUT WITH OTHERS I AM STRONG
SO I COMMIT MYSELF, TO WORK, TO COOPERATE
FOR ALL TO BE PROSPEROUS
HARMONY, INDUSTRY, I WILL VALUE

COOPERATIVE AFFAIRS I WILL ATTEND
RESPONSIBILITIES I WILL ASSUME
THE COOPERATIVE PHILOSOPHY I WILL LIVE
ONE VISION, ONE BELIEF, ONE FEELING
IN COOPERATIVISM, MY LIFE I WILL PLEDGE
SO HELP ME GOD
___________________________________________________________________

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SAINT WILLIAM’S MULTIPURPOSE COOPERATIVE

BUTIGUE, PARACELIS MOUNTAIN PROVINCE

ST. WILLIAM’S MULTI-PURPOSE COOPERATIVE

OPENING HYMN: REJOICE, THE LORD IS KING

Rejoice, the Lord is King!

The Lord, the Savior, reigns,

His kingdom cannot fail;

Celebrant: Blessed be God, Father, Son and Holy Spirit.

People: And blesses be his kingdom now and forever. Amen

Holy Immortal One, have mercy on us

People: And also with you

Celebrant: Let us pray

Third Sunday in Lent - C

For Fruitful Seasons

For Commerce and Industry

First Reading: Psalm 126: 1-6

The Word of the Lord From the throne of heaven's glory

Blesssed Savior, we adore thee Come, o come, immortal Saviour,

Great Redeemer, Lord and Master,

Second Reading: 1 THESSALONIANS 5: 16-18

The Word of the Lord

SEQUENCE HYMN: REJOICE, O PILGRIMS THRONG

i. Rejoice, o pilgrim throng!

ii. With all the angel choirs,

iii. With voice as full and strong

THE HOLY GOSPEL: LUKE 1: 46-49

We believe in one God, the Father, the Almighty,

We believe in one Lord Jesus Christ, the only Son of God,

Eternally begotten of the Father, God from God,

We believe in the Holy Spirit, the Lord, the giver of life,

We believe in one holy catholic and apostolic Church.

The Prayers of the People

LIST OF DEPARTED SWMPC MEMBERS:

FOR THE DEPARTED

FOR DAILY WORK

FOR ABSENT MEMBERS OF THE GENERAL ASSEMBLY

FOR THE GENERAL ASSEMBLY

People: We thank you, Lord

People: We thank you, Lord

People: We thank you, Lord

People: We thank you, Lord

Celebrant: For minds of think, hearts to love, and hand to serve

People: We thank you, Lord

People: We thank you, Lord

People: We thank you, Lord

People: We thank you, Lord

People: We thank you, Lord

People: We thank you, Lord

GOD OF GRACE AND GOD OF GLORY

God of grace and god of glory,

CENSING HYMN: FOR THE BEAUTY OF THE EARTH (SISIWIT TUNE)

For the church which evermore lifteth holy hands above,

The Great Thanksgiving

Celebrant: The Lord be with you

Celebrant: Lift up your hearts.

Celebrant: Let us give thanks to the Lord our God.

The celebrant continues

People and Celebrant:

Therefore we proclaim the mystery of faith:

Celebrant and People:

The celebrant continues:

THE LORD’S PRAYER