MANAGEMENT BOARD OF DIRECTORS   CHAIRMAN Ms. Ma. Josefina M. Dela Cruz        VICE CHAIRMAN Mr. Cesar N. Sarino     PRESIDENT & CEO Mr. Cesar N. Sarino   MEMBERS Ms. Bituin V. Salcedo Mr. Romeo D. Reyes Mr. Fidel A. Bugayong Mr. Mariano O. Aureus Jr Mr. Jay B.T. Lacsamana Atty. Victor N. Alimurung Atty Mario C. Lorenzo(Corporate Secretary)     GROUP / DEPARTMENT HEADS Office of the Chairman & BOD Ma. Salome V. Panzo, Compliance Officer Glenn Py'll S. Samson, Risk Officer Emmanuel V. Cama Jr., Information Security Officer Office of the President & CEO Quirino T. delos Santos Jr., Security Officer Gilmarie Jane P. Decena, Head, Human Resource Department Samuel S. Basiao, OIC, Remedial & Asset Management Department Legal Services Department Edgardo R. Balbin, Head, Legal Services Department Atty. Joebert D. Abibas, Bank Attorney Atty. Ferdie Q. Tejada, Bank Attorney Atty. Precious R. Tobias, Bank Attorney Branch Banking Group Higinio C. Fabian, Head, Branch Banking Group Glenda M. Llarena, Head, Branch Management Services Department Metro Luzon Area Ma. Theresa C. Urbano, Head, Metro Luzon Area & Main Branch (concurrent) Raymond O. Flores, Operations Head, Main Branch Cristina L. Tamayo, Head, Malolos Branch Edmund B. Villanueva, Head, San Pablo Branch Rowina M. Turla, Head, Mabalacat, Pampanga Branch Rico Ireneo P. Rosales, Head, Lipa Branch North Luzon Area Godofredo G. Pascual, Head, North Luzon Area & Dagupan Branch (concurrent) Ines Lilibeth C. Abalos, Head, Baguio Branch Digna P. Tolentino,  Head, Tuguegarao Branch Jonathan L. Almazan, Head, Asingan Branch Raul Roy S. de Guzman, Head, San Fernando, La Union Roland S. Domingo,  Head, Tarlac Branch South Luzon Area Rosemarie P. Villamora, Head, South Luzon Area & Naga Branch, Tigaon Branch (concurrent) Virgieta V. Avila,  Operations Head, Naga Branch Hector G. Pili, Head, Legaspi Branch Emelda J. Navarro, Head, Sorsogon Branch Visayas Area Miranda G. Varon, Head, Visayas Area & Tacloban Branch (concurrent) Ricardo P. Cordova, Head, Cebu Branch Ma. Fatima L. Aguinalde,  Operations Head, Tacloban Branch Alfred L. Tayo III,  Head, Iloilo Branch Bella Donna A. Abunda,  Head, Bacolod Branch Cristina J. Romuga,  Head, Tagbilaran, Bohol Branch Adolfo T. Mangao, Jr.,  Head, Himamaylan Branch Mindanao Area Belina G. Domingo,  Head, Mindanao Area Office & Cagayan de Oro Branch, Manolo Fortich Branch (concurrent) Arturo B. Cruz,  Head, Davao Branch Pemtia B. Cabatic,  Head, Zamboanga Branch   Treasury Group Ramon B. Murillo, Head, Treasury Group Reynaldo C. Eustaquio, Head, Local Currency Department   Account Management Group Samuel S. Basiao,  Head, Account Management Group Melody C. Delos Santos,  Head, Head Office Loans Department   Credit Management Group Vince N. Camba, Head, Credit Management Group Ernani G. Arago, Head, Appraisal & Credit Investigation Department Luzviminda S. Pacardo, Head, Loans Operations Department Rogelio L. Morzo, Head, Financial Analysis Department   Administrative & Comptrollership Group Patria P. Madrio, Head, Administrative & Comptrollership Group Ardelio N. Galang, Head, Accounting & Financial Control Department Fe D. Barrago, Head, General Services Department   Information Systems & Technology Management Group Hyacinth A. Funa,  Head, Information Technology Department Enrique M. Catli,  Head, Extended Banking Systems Department   copyright 2002 by Postal Savings Bank, Inc.