what is CIS ?
CIS Orientation Meeting
( COM )
Personal Financial Consultant’s
(PFC )
*. Refers to Credit Integrated Services.
*. A division of N.V. TEVES CONSULTANCY SERVICES is
a professional consultancy firm engage in business,
economic and political consultancy services established
way back in the year 1993.
*.CIS is engaged in credit information gathering , credit/
background investigation, credit counseling , debt
counseling,
consumer
counseling,
LOAN/CREDIT
assistance, collection and business counseling among
other services
*It is an accredited member of International Collectors
Association, United States
*In the Philippines, it is an accredited collection agency of
Philippine Deposit Insurance Corporation.( PDIC ).
Functions of CIS – It assist BIN Cardholders to secure
loans and credits. At present, the company has affiliations/
arrangement with the following banks and institutions:
*PS BANK ( a subsidiary of Metrobank )
* Philippine Farmers Bank
*STANDARD CHARTERED BANK
*HONGKONG AND SHANGHAI BANK (HSBC)
*OTHER BANKS AND LENDING COMPANIES
N. V. TEVES CONSULTANCY SERVICES
2006
The PS Bank Personal Loan Products
Features:
 NO – COLLATERAL
 NO – CO –MAKER
 LOAN PURPOSE – Personal needs of Employed or
Self-Employed Individuals
Qualifications of Borrowers
QUALIFICATIONS
FLEXI – LOAN
Documentary Requirements
Employed
1.Application form
Self – Employed
1.Application Form
2.ITR (2316 or 1700)
2. ITR ( 2307 OR 1701
3.Two (2) Valid ID’s (Company
and
anyone
of
the
ID 3. Two (2) Valid ID’s ( any 2 of the
following: following
SSS/GSIS, PRC, Driver’s License, Driver’s
MONEY CARD
Age
22 – 55 Years old
23-53 Years Old
Residence
Nationwide
Nationwide
: SSS / GSIS, PRC,
License,
Passport,
Passport, TIN, ATM.
ATM.
4.. Proof of Bank Account
4. Proof of Bank Account
TIN,
5.Credit Card Billing (Original copy ) 5. CREDIT CARD billing ( original
Income
A) Employed
Php 10,000.00
Php 10,000.00
B) -Self - Employed
Php 30,000.00
Php 30,000.00
If with credit Card
copy)
6. DTI Registration
7. Business Permit
Work Tenure
A) Employed
1 Year
2 Years
B) Self- Employed
2 Years
2 Years
Ps Bank personal Loan
Loan Process
Terms/ Condition
Minimum Loan
Maximum Loan
Interest Rate
Term
Payment Modes
Handling Fee
Mode of Release
Flexi –loan
Php 20,000
Php 250,000
1.6
%
(
Credit
CardHolder
1.7 ( Non – Credit
Cardholder
12,18,24,30 or 36 mos
Over the counter
Automatic debit
arrangement or
PDC
Php 1,500 deduction
from proceeds
Credit to Account ( PS
Bank or Other Banks)
Money CarD
Php 20,000
Php 250,000
2.5 %
Submission
(NV TEVES)
Encoding and Validation ( PS
Bank)
CALL – OUTS
Ps Bank / NV TEVES
1 year ( renewable )
Over – the – counter
Ps Bank , Metro bank /
Banknet ATM
CONFIRMATION
( PS Bank )
1-5 days
Booking and
Release
( PS Bank )
1-7 days
Php 1,500 or 1 %
Credit Line whichever
is higher
ATMs to be delivered
via courier

Note :
Processing Period is subject to the bank’s procedural policies and systems.
Commission Rate and Release Schedule
Services
%
Commission
PS Bank
2%
Standard Chartered
Bank
3%
Hongkong and Shanghai
Bank
Php 500 / approved
Application
Schedule of Release
Upon receipt of booking
report
Upon receipt of
commission from SCB
Upon receipt of
commission from HSBC

STANDARD CHARTERED BANK EZ LOAN
Loan Features
No Collateral.

7 – 10 days processing.

Low interest rate

P 30,000 – P 1,000,000 loan amount

12,24,36,48,60 months loan period

Payment Holidays
no hidden charges
Start payment after 3 months from loan
release
REQUIREMENTS ( PHOTO COPY ONLY )
POLICY ON COMPENSATION / COMMISSION
( Effective January 1,2006)
Type of Fees
BIN
PS Bank
REFERROR
PHP 30
1%
ENTERTAINER
PHP 30
1%
AGENT
PHP 60
2%
SUB - AGENT
(50-50
50-50
arrangement)
arrangement
EMPLOYEES of Top 10,000 Companies
HSBC
PHP 250
PHP 250
PHP 500
50-50 arrangement
1. Definition of terms
a) REFERROR – One who refers orally, thru text or
flyers and may or may not be a BIN Cardholder /
Agent. In order to claim the fees, he / she must be
a BIN Cardholder.
b) ENTERTAINERS – A BIN Agent who entertains,
assists the client in the NV TEVES office in the
absence of the BIN Agent concerned.
c) Agent – A duly registered BIN Agent who directly
solicits clients to become a BIN Cardholder or
Loan applicant or both.
2. The fees shall be paid as per the above Table. If there is
no referror, it is considered In- house sales.
3.In case of conflict/issues, concerned party/ies shall inform
the management for immediate resolution.

W2 / ITR ( Latest )

2 Valid ID with 3 Specimen Signature
EMPLOYEES Non Top 10,000 Companies

W2 / ITR ( Latest)

2 Valid ID with 3 Specimen Signature

Credit Card Holder with Latest Billing Statement
Self – Employed

DTI / SEC Registration Form

1 Yr. ITR (Latest)

Audited Financial Statement

6 mos.Bank Statement

3 mos. Credit Card Billing

2 Valid ID with 3 Specimen Signature
HONGKONG AND SHANGHAI BANK ( HSBC )
QUALIFICATION

Age – 21 to 65 years old

Resident of the Philippines

Gross Annual Income of Php 120,000 – up to Php 1
M
DOCUMENTARY REQUIREMENTS




VALID ID’S – Driver’s license, Passport , Company
ID , PRC, Postal ID, SSS / GSIS
ITR
CERTIFICATION OF EMPLOYMENT
IF WITH BUSINESS – DTI AND BUSINESS
PERMIT AND ITR ( FOR 3 YEARS )
PHILLIPPINE FARMERS BANK
1.
2.
3.
4.
5.
6.
MICRO – LOANS
SALARY – LOANS
AGRICULTURAL LOANS
CAR LOANS
CHATTTEL MORTGAGE LOAN
REAL ESTATE MORTGAGE LOANS
COMPANY BACKGROUND
N.V. TEVES CONSULTANCY SERVICES is a professional
consultancy firm engage in business, economic and political consultancy
services established way back in the year 1993.
Founded and organized as a sole proprietorship business more than
a decade ago by its founder, Mr. Nibocar V. Teves, the company has been
in business operations within and outside the Philippines. Mr. Teves is a
political scientist, businessman, entrepreneur, realtor, appraiser and
consultant.
The company was established and organized under the principle of
business intelligence connections and made popular by its founder as “ Business
Intelligence Network “ or BIN. The BIN principle is the guiding force and
foundation of its business operations – a principle that happened to be the universal
and social law existing in our world.
CIS Orientation Meeting
( COM )
Personal Financial Consultant’s
(PFC )
Presently, the company is divided into Four (4) Divisions as follows:
1. REAL ESTATE AND APPRAISAL DIVISION (READ) – which is
engage in real estate investment, brokerage, appraisal and consultancy.
Its clienteles include property owners, buyers, investors, public and
private corporations, banks, insurance companies, financial institutions,
associations and other entities.
2. CREDIT INTEGRATED SERVICES (CIS) – which is engage in credit
information
gathering,
credit/background
investigation,
credit
counseling, debt counseling, consumer counseling, collection and
business counseling among other services.
3. ECONOMIC AND POLITICAL SERVICES (ECAP) – which is engage in
economic and political survey, analysis, feasibility, consultancy,
research, training and development.
4. BUSINESS INTELLIGENCE NETWORK (BIN) – which is engage in
accreditation of business intelligence associates. It provides a mutually
beneficial system and venue of purchase and exchange of products and
services among the members.
8
N. V. TEVES CONSULTANCY SERVICES
2006
1
what is CIS ?
HONGKONG AND SHANGHAI BANK ( HSBC )
*. Refers to Credit Integrated Services.
*. A division of N.V. TEVES CONSULTANCY SERVICES is
a professional consultancy firm engage in business,
economic and political consultancy services established
way back in the year 1993.
*.CIS is engaged in credit information gathering , credit/
background investigation, credit counseling , debt
counseling,
consumer
counseling,
LOAN/CREDIT
assistance, collection and business counseling among
other services
*It is an accredited member of International Collectors
Association, United States
*In the Philippines, it is an accredited collection agency of
Philippine Deposit Insurance Corporation.( PDIC ).
Functions of CIS – It assist BIN Cardholders to secure
loans and credits. At present, the company has affiliations/
arrangement with the following banks and institutions:
*PS BANK ( a subsidiary of Metrobank )
* Philippine Farmers Bank
*STANDARD CHARTERED BANK
*HONGKONG AND SHANGHAI BANK (HSBC)
*OTHER BANKS AND LENDING COMPANIES
QUALIFICATION

Age – 21 to 65 years old

Resident of the Philippines

Gross Annual Income of Php 120,000 – up to Php 1
M
DOCUMENTARY REQUIREMENTS




VALID ID’S – Driver’s license, Passport , Company
ID , PRC, Postal ID, SSS / GSIS
ITR
CERTIFICATION OF EMPLOYMENT
IF WITH BUSINESS – DTI AND BUSINESS
PERMIT AND ITR ( FOR 3 YEARS )
PHILLIPPINE FARMERS BANK
Features
1.MICRO – LOANS
2.SALARY – LOANS
3.AGRICULTURAL LOANS
4.CAR LOANS
5.CHATTTEL MORTGAGE LOAN
6.REAL ESTATE MORTGAGE LOANS
2
7

STANDARD CHARTERED BANK EZ LOAN
Loan Features
No Collateral.

7 – 10 days processing.

Low interest rate

P 30,000 – P 1,000,000 loan amount
no hidden charges

12,24,36,48,60 months loan period

Payment Holidays
Start payment after 3 months from loan
release
REQUIREMENTS ( PHOTO COPY ONLY )
The PS Bank Personal Loan Products
Features:
 NO – COLLATERAL
 NO – CO –MAKER
 LOAN PURPOSE – Personal needs of Employed or
Self-Employed Individuals
Qualifications of Borrowers
QUALIFICATIONS
FLEXI – LOAN
MONEY CARD
Age
22 – 55 Years old
23-53 Years Old
Residence
Nationwide
Nationwide
A) Employed
Php 10,000.00
Php 10,000.00
B) -Self - Employed
Php 30,000.00
Php 30,000.00
Income
EMPLOYEES of Top 10,000 Companies
Work Tenure

W2 / ITR ( Latest )
A) Employed
1 Year
2 Years

2 Valid ID with 3 Specimen Signature
B) Self- Employed
2 Years
2 Years
EMPLOYEES Non Top 10,000 Companies

W2 / ITR ( Latest)

2 Valid ID with 3 Specimen Signature

Credit Card Holder with Latest Billing Statement
Terms/ Condition
Minimum Loan
Maximum Loan
Interest Rate
Self – Employed

DTI / SEC Registration Form

1 Yr. ITR (Latest)

Audited Financial Statement

6 mos.Bank Statement

3 mos. Credit Card Billing

2 Valid ID with 3 Specimen Signature
Term
Payment Modes
Handling Fee
Mode of Release
6
Flexi –loan
Php 20,000
Php 250,000
1.6
%
(
Credit
CardHolder
1.7 ( Non – Credit
Cardholder
12,18,24,30 or 36 mos
Over the counter
Automatic debit
arrangement or
PDC
Php 1,500 deduction
from proceeds
Credit to Account ( PS
Bank or Other Banks)
3
Money CarD
Php 20,000
Php 250,000
2.5 %
1 year ( renewable )
Over – the – counter
Ps Bank , Metro bank /
Banknet ATM
Php 1,500 or 1 %
Credit Line whichever
is higher
ATMs to be delivered
via courier
Commission Rate and Release Schedule
Documentary Requirements
Employed
1.Application form
Self – Employed
1.Application Form
2.ITR (2316 or 1700)
2. ITR ( 2307 OR 1701
3.Two (2) Valid ID’s (Company
and
anyone
of
the
ID 3. Two (2) Valid ID’s ( any 2 of the
following: following
SSS/GSIS, PRC, Driver’s License, Driver’s
: SSS / GSIS, PRC,
License,
Passport,
Passport, TIN, ATM.
ATM.
4.. Proof of Bank Account
4. Proof of Bank Account
copy)
6. DTI Registration
7. Business Permit
Ps Bank personal Loan
Loan Process
Submission
(NV TEVES)
Encoding and Validation ( PS
Bank)
CALL – OUTS
Ps Bank / NV TEVES
CONFIRMATION
( PS Bank )
1-5 days

Note :
Booking and
Release
( PS Bank )
1-7 days
Processing Period is subject to the bank’s procedural policies and systems.
%
Commission
Schedule of Release
PS Bank
2%
Standard Chartered
Bank
3%
Upon receipt of booking
report
Upon receipt of
commission from SCB
Hongkong and Shanghai
Bank
Php 500 / approved
Application
Upon receipt of
commission from HSBC
TIN,
5.Credit Card Billing (Original copy ) 5. CREDIT CARD billing ( original
If with credit Card
Services
POLICY ON COMPENSATION / COMMISSION
( Effective January 1,2006)
Type of Fees
BIN
PS Bank
REFERROR
PHP 30
1%
ENTERTAINER
PHP 30
1%
AGENT
PHP 60
2%
SUB - AGENT
(50-50
50-50
arrangement)
arrangement
HSBC
PHP 250
PHP 250
PHP 500
50-50 arrangement
3. Definition of terms
a) REFERROR – One who refers orally, thru text or
flyers and may or may not be a BIN Cardholder /
Agent. In order to claim the fees, he / she must be
a BIN Cardholder.
b) ENTERTAINERS – A BIN Agent who entertains,
assists the client in the NV TEVES office in the
absence of the BIN Agent concerned.
c) Agent – A duly registered BIN Agent who directly
solicits clients to become a BIN Cardholder or
Loan applicant or both.
4. The fees shall be paid as per the above Table. If there is
no referror, it is considered In- house sales.
3.In case of conflict/issues, concerned party/ies shall inform
the management for immediate resolution.
4
5