MANAGEMENT BOARD OF DIRECTORS   ACTING CHAIRMAN Postmaster General Hector R.R. Villanueva ACTING VICE CHAIRMAN Dir. Romeo D. Reyes   PRESIDENT & CEO Virgilio A. Mortera   MEMBERS Dir. Bituin V. Salcedo Dir. Ma. Corazon K. Imperial Dir. Numeriano C. Dayrit Dir. Lamberto R. Barbin Dir. Monico A. Puentevella Jr.   Atty. Victor V. Tantoco Corporate Secretary Dir. Bituin V. Salcedo Corporate Treasurer   GROUP / DEPARTMENT HEADS Office of the Chairman & BOD Compliance Office -Beatriz F. Callo, Vice President Risk Officer - Atty. Ronilo D. Conde Information Security Office Operations Auditing Office - Lorenza Cirlina A. Benicarlo, Manager Office of the President & CEO Security Department - Joel C. Lara, Manager Corporate Planning Department - Dennis I. Llabres, Senior Manager Human Resource Department - Gilmarie Jane P. Decena, Senior Manager Office of the General Counsel - Atty. Lyssa P.G. Calde, Senior Manager - Joebert D. Abibas, Manager - Giovanni S. Manzala, Asst. Manager - Ferdie Q. Tejada, Asst. Manager - Marissa O. Arao, Assistant Manager Systems and Methods Department - Victor C. Pacardo, Manager Branch Banking Group Virgilio A. Mortera, Officer-in-Charge Branch Support Department - Ma. Theresa C. Urbano, Senior Manager Metro Luzon Area Cash Department - Romeo A. Yu, Manager Malolos Branch - Cristina L. Tamayo, Manager San Pablo Branch - Edmund B. Villanueva, Manager Mabalacat Branch - Rowina M. Turla, Asst. Manager Lipa, Batangas Branch - Rico Ireneo P. Rosales, OIC North Luzon Area Godofredo G. Pascual, Senior Asst. Vice President, Area Head Baguio Branch - Ines Lilibeth C. Abalos, Manager Dagupan Branch - Godofredo G. Pascual, concurrent Branch Head Tuguegarao Branch - Digna P. Tolentino, Manager Asingan Branch - Jonathan A. Almazan, Asst. Manager San Fernando, La Union - Raul Roy S. de Guzman, Asst. Manager Tarlac Branch- Roland S. Domingo, Asst. Manager South Luzon Area Rosemarie P. Villamora, Senior Asst. Vice-President - Area Head Naga Branch - Rosemarie P. Villamora, concurrent Branch Head Legaspi Branch - Hector G. Pili, Senior Manager Tigaon Branch - Virgieta V. Avila, Asst. Manager Sorsogon Branch - Emelda J. Navarro, Asst. Manager Visayas Area Miranda G. Varon, Senior Asst. Vice President, Area Head Cebu Branch - Ricardo P. Cordova, Manager Tacloban Branch - Miranda G. Varon, concurrent Branch Head - Ma. Fatima L. Aguinalde, Asst. Manager Iloilo Branch - Alfred R. Tayo III, Senior Manager Himamaylan Branch - Donna Bella A. Jardiolin, Manager Tagbilaran, Bohol - Cristina J. Romuga, Asst. Manager Bacolod Branch - Adolfo T. Mangao Jr., Manager Mindanao Area Belina G. Domingo, Senior Asst. Vice President, Area Head Cagayan De Oro Branch - Belina G. Domingo, concurrent Branch Head Davao Branch - Arturo B. Cruz, Manager Manolo Fortich Branch - Belina G. Domingo, concurrent Branch Head Zamboanga Branch - Rosendo N. Castillo III, Asst. Manager   Treasury Group Alda R. Bañez, Vice President Local Currency Department - Reynaldo C. Eustaquio, Manager Foreign Currency Department   Corporate Operations Group Leonardo C. Cruz, First Vice President Credit Appraisal & Investigation Department Account Management Department - Edgar V. Rico, Senior Manager Business Development and Marketing Department -   Support Services Group Rodolfo C. Cruz, Vice President Accounting Department - Patria P. Madrio, Manager Loans and Treasury Operations Department - Adolfo S. Apongol, Manager General Services Department - Fe D. Barrago, Manager   Information & Communications Technology Group Alfredo G. Cristobal Jr., Officer-in-Charge Information Technology Department - Emmanuel V. Cama Jr., Manager ATM Operations & Remittance Department - Enrique M. Catli, Manager   copyright 2002 by Postal Savings Bank, Inc.