Fills-out application form for restructuring of arrearages and submits the following documents:

1. Birth certificate (including that of Co-Borrower/Buyer);
2. Community Tax Certificate and TIN;
3. Picture (including that of Co-Borrower/Buyer);
4. Proof of income (including that of Co-Borrower/Buyer);
5. Latest payslip, (original or certified true copy); and
6. any 2 valid IDs (including that of Co-Borrower/Buyer).

Evaluates the application and the submitted documents. Computes the arrearages and prepares the Financial Package (FP) under the various restructuring programs available.

Selects the appropriate restructuring program and affixes his/her signature on the portion of the FP for implementation to his/her account. Starts paying the restructured monthly amortization, simultaneously with the current amortization of his/her account.