{"id":243,"date":"2017-10-02T02:45:13","date_gmt":"2017-10-02T02:45:13","guid":{"rendered":"https:\/\/smccoop.ph\/\/?page_id=243"},"modified":"2026-10-08T23:32:37","modified_gmt":"2026-10-09T07:32:37","slug":"digital-transformation-services","status":"publish","type":"page","link":"https:\/\/smccoop.ph\/index.php\/our-services\/digital-transformation-services\/","title":{"rendered":"Deposits"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1756377988480{margin-right: 0px !important;margin-bottom: 35px !important;margin-left: 0px !important;background-image: url(https:\/\/smccoop.ph\/wp-content\/uploads\/2025\/04\/Bldg-Office.png?id=2404) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column width=&#8221;2\/3&#8243;][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_widget_sidebar sidebar_id=&#8221;footer-1&#8243; el_class=&#8221;main-sidebar&#8221;][\/vc_column][\/vc_row][vc_row gap=&#8221;30&#8243;][vc_column width=&#8221;1\/2&#8243;][vc_custom_heading text=&#8221;SMC CEMPC DEPOSITS OFFER&#8221; font_container=&#8221;tag:h2|font_size:34px|text_align:left&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221;][vc_empty_space height=&#8221;20px&#8221;][vc_hoverbox image=&#8221;2122&#8243; primary_title=&#8221;&#8221; hover_background_color=&#8221;white&#8221;]<\/p>\n<p style=\"text-align: justify;\"><strong data-start=\"0\" data-end=\"28\" data-is-only-node=\"\">Regular Savings Deposits<\/strong> in a cooperative provide members with a secure and convenient way to grow their funds while maintaining easy access to their money. Members can deposit andwithdraw anytime, making it a flexible option for daily financial needs. Unlike fixed-term deposits, regular savings accounts allow continuous transactions while still earning interest over time. This type of deposit encourages financial discipline and stability, while also contributing to the cooperative\u2019s overall financial health. By saving regularly, members not only secure their future but also support the cooperative\u2019s ability to provide loans and other financial benefits.<a class=\"button no-bg\" href=\"#\">Read the Report<\/a><\/p>\n<p>[\/vc_hoverbox][vc_empty_space height=&#8221;20px&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_custom_heading text=&#8221;Smart Saving: Let Your Money Work for You&#8221; font_container=&#8221;tag:div|font_size:24px|text_align:left|color:%23d6002a|line_height:1.325&#8243; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221;][vc_empty_space height=&#8221;20px&#8221;][vc_hoverbox image=&#8221;2033&#8243; primary_title=&#8221;&#8221; hover_background_color=&#8221;white&#8221;]<\/p>\n<p><strong>Time Deposits<\/strong> allow members to set aside funds for a fixed six-month term, renewable every six months thereafter. The updated rates take effect on March 24, 2026; existing placements receive the updated rates upon their next renewal. Only the principal is renewed, while interest earned is paid out separately.<\/p>\n<p>[\/vc_hoverbox][vc_empty_space height=&#8221;20px&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_row_inner gap=&#8221;35&#8243;][vc_column_inner width=&#8221;1\/2&#8243;]<ul class=\"iconlist iconlist iconlist-icon-large \"><li ><div class=\"iconlist-item-icon\"><i class=\"far fa-handshake\"><\/i><span class=\"shapes\"><\/span><\/div><div class=\"iconlist-item-content\">\n<h2>Time Deposits<\/h2>\n<h3>Key Terms and Conditions<\/h3>\n<ul>\n<li><strong>Existing accounts:<\/strong> Updated rates apply upon the next renewal date.<\/li>\n<li><strong>Term \/ holding period:<\/strong> Fixed term of six (6) months, renewable every six (6) months thereafter.<\/li>\n<li><strong>Renewal:<\/strong> Only the principal amount is renewed. Interest earned is paid out separately and is not included in the renewal amount.<\/li>\n<li><strong>Placement increments:<\/strong> Placements must be made in increments of \u20b11,000.<\/li>\n<li><strong>Temporary placement limitation:<\/strong> Acceptance of new placements exceeding \u20b11,000,000 is temporarily suspended until further notice.<\/li>\n<\/ul>\n<p><\/div><\/li><li ><div class=\"iconlist-item-icon\"><i class=\"sl-check\"><\/i><span class=\"shapes\"><\/span><\/div><div class=\"iconlist-item-content\">\n<h2>Time Deposit Rates<\/h2>\n<p><strong>Effective March 24, 2026<\/strong><\/p>\n<table style=\"width:100%;border-collapse:collapse\">\n<thead>\n<tr>\n<th scope=\"col\">Covered Amount<\/th>\n<th scope=\"col\">Annual Rate<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u20b150,000\u2013\u20b1200,000<\/td>\n<td>2.00%<\/td>\n<\/tr>\n<tr>\n<td>\u20b1201,000\u2013\u20b1500,000<\/td>\n<td>2.75%<\/td>\n<\/tr>\n<tr>\n<td>\u20b1501,000\u2013\u20b11,000,000<\/td>\n<td>3.50%<\/td>\n<\/tr>\n<tr>\n<td>Above \u20b11,000,000<\/td>\n<td>4.00%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Important:<\/strong> Acceptance of new Time Deposit placements exceeding \u20b11,000,000 is temporarily suspended until further notice.<\/p>\n<p><\/div><\/li><\/ul>[\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;]<ul class=\"iconlist iconlist iconlist-icon-large \"><li ><div class=\"iconlist-item-icon\"><i class=\"sl-check\"><\/i><span class=\"shapes\"><\/span><\/div><div class=\"iconlist-item-content\">\n<h2><strong>REGULAR SAVINGS<\/strong><\/h2>\n<p>Open to all regular and associate member<br \/>\nMaintaining balance for both regular and associate member is P1,000.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><\/div><\/li><li ><div class=\"iconlist-item-icon\"><i class=\"sl-check\"><\/i><span class=\"shapes\"><\/span><\/div><div class=\"iconlist-item-content\">\n<h2>Interest Rate<\/h2>\n<p>Bears 1.5% per annum tax free<br \/>\nCan be withdrawn anytime<\/div><\/li><\/ul>[\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;35px&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator color=&#8221;custom&#8221; border_width=&#8221;5&#8243; accent_color=&#8221;rgba(2,6,32,0.1)&#8221;][vc_empty_space height=&#8221;60px&#8221;][vc_custom_heading text=&#8221;Financial Results: Amounts and Percentage Analysis&#8221; font_container=&#8221;tag:h2|text_align:center&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221;][vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<\/p>\n<div style=\"display:flex;flex-wrap:nowrap;justify-content:space-between;gap:10px;\">\n<div style=\"flex:1 1 0;min-width:0;text-align:center;\">\n<div style=\"color:#37488e;font-size:clamp(20px,3vw,40px);font-weight:300;line-height:1.2;white-space:nowrap;\">\u20b1300<span style=\"font-size:0.45em;vertical-align:super;\"> Million<\/span><\/div>\n<div style=\"height:1px;width:35%;max-width:55px;background:#9ba4c3;margin:20px auto;\"><\/div>\n<div style=\"font-size:clamp(10px,1.2vw,16px);line-height:1.4;\">Total Assets<\/div>\n<\/div>\n<div style=\"flex:1 1 0;min-width:0;text-align:center;\">\n<div style=\"color:#37488e;font-size:clamp(20px,3vw,40px);font-weight:300;line-height:1.2;white-space:nowrap;\">\u20b125<span style=\"font-size:0.45em;vertical-align:super;\"> Million<\/span><\/div>\n<div style=\"height:1px;width:35%;max-width:55px;background:#9ba4c3;margin:20px auto;\"><\/div>\n<div style=\"font-size:clamp(10px,1.2vw,16px);line-height:1.4;\">Savings Deposit<\/div>\n<\/div>\n<div style=\"flex:1 1 0;min-width:0;text-align:center;\">\n<div style=\"color:#37488e;font-size:clamp(20px,3vw,40px);font-weight:300;line-height:1.2;white-space:nowrap;\">\u20b131<span style=\"font-size:0.45em;vertical-align:super;\"> Million<\/span><\/div>\n<div style=\"height:1px;width:35%;max-width:55px;background:#9ba4c3;margin:20px auto;\"><\/div>\n<div style=\"font-size:clamp(10px,1.2vw,16px);line-height:1.4;\">Time Deposits<\/div>\n<\/div>\n<div style=\"flex:1 1 0;min-width:0;text-align:center;\">\n<div style=\"color:#37488e;font-size:clamp(20px,3vw,40px);font-weight:300;line-height:1.2;white-space:nowrap;\">126.1<span style=\"font-size:0.45em;vertical-align:super;\">%<\/span><\/div>\n<div style=\"height:1px;width:35%;max-width:55px;background:#9ba4c3;margin:20px auto;\"><\/div>\n<div style=\"font-size:clamp(10px,1.2vw,16px);line-height:1.4;\">Solvency Rate<\/div>\n<\/div>\n<div style=\"flex:1 1 0;min-width:0;text-align:center;\">\n<div style=\"color:#37488e;font-size:clamp(20px,3vw,40px);font-weight:300;line-height:1.2;white-space:nowrap;\">64.31<span style=\"font-size:0.45em;vertical-align:super;\">%<\/span><\/div>\n<div style=\"height:1px;width:35%;max-width:55px;background:#9ba4c3;margin:20px auto;\"><\/div>\n<div style=\"font-size:clamp(10px,1.2vw,16px);line-height:1.4;\">Rate of Net Surplus<\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;50px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1513769862845{padding-top: 60px !important;padding-bottom: 146px !important;background: #dd3333 url(https:\/\/smccoop.ph\/wp-content\/uploads\/\/2017\/09\/bg-services.svg?id=78) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Got some questions? Feel free to contact us&#8221; font_container=&#8221;tag:h2|text_align:center|color:%23ffffff&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_tta_tabs alignment=&#8221;center&#8221; active_section=&#8221;1&#8243; no_fill_content_area=&#8221;true&#8221; css=&#8221;.vc_custom_1513762897648{margin-top: -86px !important;}&#8221;][vc_tta_section i_icon_fontawesome=&#8221;&#8221; add_icon=&#8221;true&#8221; title=&#8221;Whats New!&#8221; tab_id=&#8221;1513762554519-8f471fbd-d032&#8243;]\t<!-- BEGIN: .projects -->\n\t<div class=\"projects projects-shortcode projects-grid  \">\n\t\t<div class=\"projects-wrap\">\n\n\t\t\t\n\t\t\t\n\t\t\t<div class=\"projects-items\" data-grid=\"{&quot;itemSelector&quot;:&quot;.project&quot;}\" data-columns=\"3\">\n\n\t\t\t\t\t\t\t\t\t<!-- Project -->\n\t\t\t\t\t<div class=\"project post-323 nproject type-nproject status-publish has-post-thumbnail hentry nproject-category-members nproject-tag-manufacturing\">\n\t\t\t\t\t\t<div class=\"project-inner\">\n\t\t\t\t\t\t\t<figure class=\"project-thumbnail\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"project-readmore\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/smccoop.ph\/index.php\/nproject\/mobility-for-a-global-energy-giant\/\"><span><\/span><\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"featured-image\" href=\"https:\/\/smccoop.ph\/index.php\/nproject\/mobility-for-a-global-energy-giant\/\">\n\t\t\t\t\t\t\t\t\t<span>Empowering Our Members: Strengthening People for a Better Future<\/span>\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"\" src=\"https:\/\/smccoop.ph\/wp-content\/uploads\/2017\/10\/GC-pic-800x450.png\" width=\"800\" height=\"450\" alt=\"GC pic\" title=\"GC pic\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/figure>\n\n\t\t\t\t\t\t\t<div class=\"project-info\">\n\t\t\t\t\t\t\t\t<div class=\"project-info-inner\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"project-title\" itemprop=\"name headline\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/smccoop.ph\/index.php\/nproject\/mobility-for-a-global-energy-giant\/\">\n\t\t\t\t\t\t\t\t\t\t\tEmpowering Our Members: Strengthening People for a Better Future\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/h2>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"project-summary\">\n\t\t\t\t\t\t\t\t\t\t\t<p>[vc_row][vc_column][vc_column_text]At the heart of our cooperative is a strong commitment to people empowerment, ensu\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"project-meta\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/smccoop.ph\/index.php\/nproject-category\/members\/\" rel=\"tag\">People Empowerment<\/a>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!-- \/Project -->\n\n\t\t\t\t\t\t\t\t\t<!-- Project -->\n\t\t\t\t\t<div class=\"project post-319 nproject type-nproject status-publish has-post-thumbnail hentry nproject-category-members nproject-tag-government nproject-tag-solutions\">\n\t\t\t\t\t\t<div class=\"project-inner\">\n\t\t\t\t\t\t\t<figure class=\"project-thumbnail\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"project-readmore\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/smccoop.ph\/index.php\/nproject\/a-homeland-security-agency\/\"><span><\/span><\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"featured-image\" href=\"https:\/\/smccoop.ph\/index.php\/nproject\/a-homeland-security-agency\/\">\n\t\t\t\t\t\t\t\t\t<span>Building for the Future: Our Cooperative\u2019s New Office in Progress<\/span>\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"\" src=\"https:\/\/smccoop.ph\/wp-content\/uploads\/2017\/10\/SMC-CEMPC-Office-800x450.png\" width=\"800\" height=\"450\" alt=\"SMC CEMPC Office\" title=\"SMC CEMPC Office\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/figure>\n\n\t\t\t\t\t\t\t<div class=\"project-info\">\n\t\t\t\t\t\t\t\t<div class=\"project-info-inner\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"project-title\" itemprop=\"name headline\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/smccoop.ph\/index.php\/nproject\/a-homeland-security-agency\/\">\n\t\t\t\t\t\t\t\t\t\t\tBuilding for the Future: Our Cooperative\u2019s New Office in Progress\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/h2>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"project-summary\">\n\t\t\t\t\t\t\t\t\t\t\t<p>[vc_row][vc_column][vc_column_text]Our cooperative is excited to announce the ongoing construction of our new office \t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"project-meta\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/smccoop.ph\/index.php\/nproject-category\/members\/\" rel=\"tag\">People Empowerment<\/a>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!-- \/Project -->\n\n\t\t\t\t\t\t\t\t\t<!-- Project -->\n\t\t\t\t\t<div class=\"project post-311 nproject type-nproject status-publish has-post-thumbnail hentry nproject-category-members nproject-tag-software nproject-tag-technology\">\n\t\t\t\t\t\t<div class=\"project-inner\">\n\t\t\t\t\t\t\t<figure class=\"project-thumbnail\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"project-readmore\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/smccoop.ph\/index.php\/nproject\/putting-the-customer-in-control\/\"><span><\/span><\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"featured-image\" href=\"https:\/\/smccoop.ph\/index.php\/nproject\/putting-the-customer-in-control\/\">\n\t\t\t\t\t\t\t\t\t<span>Bringing Hope and Smiles: Balik Eskwela Outreach Donation at Brgy. Umapad Day Care Center<\/span>\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"\" src=\"https:\/\/smccoop.ph\/wp-content\/uploads\/2025\/04\/Balik-Skwela-2024-800x450.png\" width=\"800\" height=\"450\" alt=\"Balik Skwela 2024\" title=\"Balik Skwela 2024\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/figure>\n\n\t\t\t\t\t\t\t<div class=\"project-info\">\n\t\t\t\t\t\t\t\t<div class=\"project-info-inner\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"project-title\" itemprop=\"name headline\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/smccoop.ph\/index.php\/nproject\/putting-the-customer-in-control\/\">\n\t\t\t\t\t\t\t\t\t\t\tBringing Hope and Smiles: Balik Eskwela Outreach Donation at Brgy. Umapad Day Care Center\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/h2>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"project-summary\">\n\t\t\t\t\t\t\t\t\t\t\t<p>[vc_row][vc_column][vc_column_text]In a heartwarming show of community spirit and compassion, the Balik Eskwela Outre\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"project-meta\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/smccoop.ph\/index.php\/nproject-category\/members\/\" rel=\"tag\">People Empowerment<\/a>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!-- \/Project -->\n\n\t\t\t\t\t\t\t\t\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t<!-- END: .projects -->\n[\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;&#8221; add_icon=&#8221;true&#8221; title=&#8221;News &amp; Events&#8221; tab_id=&#8221;1513654280725-7f0034f5-a6da&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;]\n\t<div class=\"blog-shortcode  has-post-content post-thumbnail-cover\">\n\t\t\n\t\t<div class=\"blog-entries\">\n\t\t\t\t\t\t\t<div class=\"entries-wrapper content-inner\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"post post-3408 type-post status-publish format-standard has-post-thumbnail hentry category-events category-news\">\n\t\t\t\t\t<div class=\"post-inner\">\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"post-image\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"post-title\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/smccoop.ph\/index.php\/2026\/10\/08\/smc-cempc-welcomes-its-officers-for-2026-2027\/\">SMC CEMPC Welcomes Its Officers for 2026\u20132027<\/a>\n\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t<span class=\"post-categories\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/smccoop.ph\/index.php\/category\/events\/\" rel=\"category tag\">Events<\/a> <a href=\"https:\/\/smccoop.ph\/index.php\/category\/news\/\" rel=\"category tag\">News<\/a>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a class=\"featured-image\" href=\"https:\/\/smccoop.ph\/index.php\/2026\/10\/08\/smc-cempc-welcomes-its-officers-for-2026-2027\/\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"\" src=\"https:\/\/smccoop.ph\/wp-content\/uploads\/2026\/10\/officers-collage-600x500.png\" width=\"600\" height=\"500\" alt=\"Officers taking their oath and joining collaborative activities during the May 6, 2026 induction.\" title=\"officers-collage\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"post-content\">\n\t\t\t\t\t\t\t\t<p>\n\t\t\t\t\t\t\t\t\tSMC CEMPC welcomed its officers for the 2026\u20132027 term durin...\t\t\t\t\t\t\t\t<\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"post post-3400 type-post status-publish format-standard has-post-thumbnail hentry category-news\">\n\t\t\t\t\t<div class=\"post-inner\">\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"post-image\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"post-title\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/smccoop.ph\/index.php\/2026\/10\/08\/smc-cempc-receives-pfcco-visayas-recognition-for-cetf-contribution\/\">SMC CEMPC Receives PFCCO\u2013Visayas Recognition for CETF Contribution<\/a>\n\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t<span class=\"post-categories\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/smccoop.ph\/index.php\/category\/news\/\" rel=\"category tag\">News<\/a>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a class=\"featured-image\" href=\"https:\/\/smccoop.ph\/index.php\/2026\/10\/08\/smc-cempc-receives-pfcco-visayas-recognition-for-cetf-contribution\/\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"\" src=\"https:\/\/smccoop.ph\/wp-content\/uploads\/2026\/10\/recognition-collage-600x500.png\" width=\"600\" height=\"500\" alt=\"Award presentation and plaque recognizing SMC CEMPC\u2019s 2025 CETF contribution at the PFCCO\u2013Visayas assembly\" title=\"recognition-collage\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"post-content\">\n\t\t\t\t\t\t\t\t<p>\n\t\t\t\t\t\t\t\t\tSMC CEMPC received a Plaque of Recognition from the Philippi...\t\t\t\t\t\t\t\t<\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;]\n\t<div class=\"blog-shortcode  has-post-content post-date-cover\">\n\t\t\n\t\t<div class=\"blog-entries\">\n\t\t\t\t\t\t\t<div class=\"entries-wrapper content-inner\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"post post-2441 type-post status-publish format-standard has-post-thumbnail hentry category-social-responsibilities\">\n\t\t\t\t\t<div class=\"post-inner\">\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"post-image\">\n\t\t\t\t\t\t\t\t\t<a class=\"featured-image\" href=\"https:\/\/smccoop.ph\/index.php\/2025\/04\/04\/construction-completes-on-birminghams-tallest-new-build-residential-building-revised\/\">\n\t\t\t\t\t\t\t\t\t\t<h2 class=\"post-title\">\n\t\t\t\t\t\t\t\t\t\t\tSMC CEMPC Supports Bamboo Month Celebration in Mandaue City\t\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"post-date\">\n\t\t\t\t\t\t\t\t\t\t\t<span>April 4, 2025<\/span>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"post-content\">\n\t\t\t\t\t\t\t\t<p>\n\t\t\t\t\t\t\t\t\tSMC Community and Employees Multipurpose Cooperative supported the opening of Mandaue City\u2019s Bamboo Month Celebration in September 2024, joining the l...\t\t\t\t\t\t\t\t<\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"post post-666 type-post status-publish format-standard has-post-thumbnail hentry category-social-responsibilities\">\n\t\t\t\t\t<div class=\"post-inner\">\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"post-image\">\n\t\t\t\t\t\t\t\t\t<a class=\"featured-image\" href=\"https:\/\/smccoop.ph\/index.php\/2017\/11\/07\/weighing-cybersecurity-risk-factors-in-life-healthcare\/\">\n\t\t\t\t\t\t\t\t\t\t<h2 class=\"post-title\">\n\t\t\t\t\t\t\t\t\t\t\tSMC CEMPC Supports 38 Young Learners Through Balik Eskwela Outreach\t\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"post-date\">\n\t\t\t\t\t\t\t\t\t\t\t<span>November 7, 2017<\/span>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"post-content\">\n\t\t\t\t\t\t\t\t<p>\n\t\t\t\t\t\t\t\t\tSMC Community and Employees Multipurpose Cooperative supported 38 young learners at Brgy. Umapad Day Care Center through a Balik Eskwela outreach acti...\t\t\t\t\t\t\t\t<\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;&#8221; add_icon=&#8221;true&#8221; title=&#8221;Member Testimonials&#8221; tab_id=&#8221;1513671678283-8f1a443c-6d41&#8243;][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;]\n\t<div class=\"testimonial   has-image\">\n\t\t\n\t\t<div class=\"testimonial-content\">\n\t\t\t<blockquote>\n\t\t\t\t<p>I like working at GLB because I get to sell the best software in the industry and I work with best \/ brightest \/ most fun team of people I\u2019ve ever worked with.<\/p>\n\t\t\t<\/blockquote>\n\t\t<\/div>\n\n\t\t<div class=\"testimonial-meta\">\n\t\t\t\n\t\t<div class=\"testimonial-image\">\n\t\t\t<img decoding=\"async\" src=\"https:\/\/smccoop.ph\/wp-content\/uploads\/2017\/10\/tt2.jpg\" alt=\"Adam Epstein\" \/>\n\t\t<\/div>\n\t\t\t\t<h3 class=\"author-name\">Adam Epstein<\/h3>\n\t\t\t<div class=\"author-info\"><span class=\"subtitle\">CEO \/ Director<\/span> <span class=\"divider\">-<\/span> <span class=\"company\">American National University<\/span><\/div>\n\t\t<\/div>\n\n\t<\/div>\n[vc_empty_space height=&#8221;30px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]\n\t<div class=\"testimonial   vc_custom_1513672193191 has-image\">\n\t\t\n\t\t<div class=\"testimonial-content\">\n\t\t\t<blockquote>\n\t\t\t\t<p>We selected GLB because they understand operating requirements in the healthcare sector. They bring a winning combination of experience and commitment to excellence.<\/p>\n\t\t\t<\/blockquote>\n\t\t<\/div>\n\n\t\t<div class=\"testimonial-meta\">\n\t\t\t\n\t\t<div class=\"testimonial-image\">\n\t\t\t<img decoding=\"async\" src=\"https:\/\/smccoop.ph\/wp-content\/uploads\/2017\/10\/tt4.jpg\" alt=\"Mrs. Sherena\" \/>\n\t\t<\/div>\n\t\t\t\t<h3 class=\"author-name\">Mrs. Sherena<\/h3>\n\t\t\t<div class=\"author-info\"><span class=\"company\">Corporate communications Executive<\/span><\/div>\n\t\t<\/div>\n\n\t<\/div>\n[vc_empty_space height=&#8221;30px&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]\n\t<div class=\"testimonial   vc_custom_1515642060015 has-image\">\n\t\t\n\t\t<div class=\"testimonial-content\">\n\t\t\t<blockquote>\n\t\t\t\t<p>We has been working with GLB for 12 months and in that time they have demonstrated an unwavering desire and capability to deliver.<\/p>\n\t\t\t<\/blockquote>\n\t\t<\/div>\n\n\t\t<div class=\"testimonial-meta\">\n\t\t\t\n\t\t<div class=\"testimonial-image\">\n\t\t\t<img decoding=\"async\" src=\"https:\/\/smccoop.ph\/wp-content\/uploads\/2017\/10\/tt3.jpg\" alt=\"Mike Guardalabene\" \/>\n\t\t<\/div>\n\t\t\t\t<h3 class=\"author-name\">Mike Guardalabene<\/h3>\n\t\t\t<div class=\"author-info\"><span class=\"subtitle\">Group CEO<\/span> <span class=\"divider\">-<\/span> <span class=\"company\">Celebi Aviation Holding<\/span><\/div>\n\t\t<\/div>\n\n\t<\/div>\n[vc_empty_space height=&#8221;30px&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][vc_tta_section i_icon_fontawesome=&#8221;&#8221; add_icon=&#8221;true&#8221; tab_id=&#8221;1513671610263-7c266ca2-8422&#8243; title=&#8221;Be a Member Now!&#8221;][vc_row_inner][vc_column_inner]<ul class=\"iconlist iconlist iconlist-icon-medium \"><li ><div class=\"iconlist-item-icon\"><i class=\"entypo-icon entypo-icon-brush\"><\/i><span class=\"shapes\"><\/span><\/div><div class=\"iconlist-item-content\">\n<h4>1. Iterate Design<\/h4>\n<p>We always start with people. Business is driven by human behavior. And we take a human-centered design approach to drive business results. Through observation, learning, and immersive research we are able to roadmap solutions that work for our clients and their customers.<\/div><\/li><li ><div class=\"iconlist-item-icon\"><i class=\"entypo-icon entypo-icon-code\"><\/i><span class=\"shapes\"><\/span><\/div><div class=\"iconlist-item-content\">\n<h4>2. Validate Develop<\/h4>\n<p>This is where we bring the design vision to life\u2014uncovering and alleviating stumbling blocks that could interfere with successful implementation. Our 360-degree focus on customers and tech-agnostic approach allow us to develop flexible solutions that scale with business needs.<\/div><\/li><li ><div class=\"iconlist-item-icon\"><i class=\"entypo-icon entypo-icon-upload-cloud\"><\/i><span class=\"shapes\"><\/span><\/div><div class=\"iconlist-item-content\">\n<h4>3. Optimize Deliver<\/h4>\n<p>Our global operation model and thousands of employees in 10 countries allow us to implement best practices and meet clients\u2019 needs practically everywhere. From implementation to analysis, we go beyond solution launch to seek out continuous improvement for our clients\u2014and ourselves.<\/div><\/li><\/ul>[\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][\/vc_tta_tabs][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1564815895005{padding-top: 60px !important;padding-bottom: 30px !important;background: #020620 url(https:\/\/smccoop.ph\/wp-content\/uploads\/\/2017\/09\/bg-services.svg?id=78) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column width=&#8221;1\/3&#8243;]\n<!-- BEGIN .imagebox -->\n<div class=\"imagebox   vc_custom_1743053314608\">\n\t\n\t\t<div class=\"box-header\">\n\t\t\t<h3 class=\"box-title\">\n\t\t\t\t<a href=\"https:\/\/smccoop.ph\/\/our-services\/customer-engagement-transformation-services\/\" target=\"_self\">\n\t\t\t\t\tOur Vission Statement\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"box-content\"><p>Empower Members and Empower Others,\u00a0 \u00a0SMC CE Cooperative<\/p>\n<\/div>\n\n\t\t<div class=\"box-image\">\n\t\t\t<a href=\"https:\/\/smccoop.ph\/\/our-services\/customer-engagement-transformation-services\/\" target=\"_self\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-button button\">\t\n\t\t\t\t\t\t<span>Find Out More<\/span><i class=\"ion-log-in\"><\/i>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<img decoding=\"async\" class=\"\" src=\"https:\/\/smccoop.ph\/wp-content\/uploads\/2025\/03\/slide4-800x350.png\" width=\"800\" height=\"350\" alt=\"slide4\" title=\"slide4\" loading=\"lazy\" \/>\t\t\t<\/a>\n\t\t<\/div>\n\t<\/div>\n<!-- End .imagebox -->\n[vc_empty_space height=&#8221;30px&#8221;][\/vc_column][vc_column width=&#8221;1\/3&#8243;]\n<!-- BEGIN .imagebox -->\n<div class=\"imagebox   vc_custom_1743054360399\">\n\t\n\t\t<div class=\"box-header\">\n\t\t\t<h3 class=\"box-title\">\n\t\t\t\t<a href=\"https:\/\/smccoop.ph\/\/our-services\/digital-transformation-services\/\" target=\"_self\">\n\t\t\t\t\tOur Mission Statement\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"box-content\"><p>To Spread the Spirit of Cooperativism Across SMC Community<\/p>\n<\/div>\n\n\t\t<div class=\"box-image\">\n\t\t\t<a href=\"https:\/\/smccoop.ph\/\/our-services\/digital-transformation-services\/\" target=\"_self\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-button button\">\t\n\t\t\t\t\t\t<span>Find Out More<\/span><i class=\"ion-log-in\"><\/i>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<img decoding=\"async\" class=\"\" src=\"https:\/\/smccoop.ph\/wp-content\/uploads\/2025\/03\/VMC-Pictures-800x350.png\" width=\"800\" height=\"350\" alt=\"VMC Pictures\" title=\"VMC Pictures\" loading=\"lazy\" \/>\t\t\t<\/a>\n\t\t<\/div>\n\t<\/div>\n<!-- End .imagebox -->\n[vc_empty_space height=&#8221;30px&#8221;][\/vc_column][vc_column width=&#8221;1\/3&#8243;]\n<!-- BEGIN .imagebox -->\n<div class=\"imagebox   vc_custom_1743053935600\">\n\t\n\t\t<div class=\"box-header\">\n\t\t\t<h3 class=\"box-title\">\n\t\t\t\t<a href=\"https:\/\/smccoop.ph\/\/our-services\/business-process-transformation-services\/\" target=\"_self\">\n\t\t\t\t\tCore Values\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"box-content\"><p>Integrity, Compassion, Professionalism, Continuous Learning, Cooperative Experience.<\/p>\n<\/div>\n\n\t\t<div class=\"box-image\">\n\t\t\t<a href=\"https:\/\/smccoop.ph\/\/our-services\/business-process-transformation-services\/\" target=\"_self\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-button button\">\t\n\t\t\t\t\t\t<span>Find Out More<\/span><i class=\"ion-log-in\"><\/i>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<img decoding=\"async\" class=\"\" src=\"https:\/\/smccoop.ph\/wp-content\/uploads\/2025\/03\/Mission-Statement-Picture-800x350.png\" width=\"800\" height=\"350\" alt=\"Mission Statement Picture\" title=\"Mission Statement Picture\" loading=\"lazy\" \/>\t\t\t<\/a>\n\t\t<\/div>\n\t<\/div>\n<!-- End .imagebox -->\n[vc_empty_space height=&#8221;30px&#8221;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row content_placement=&#8221;middle&#8221; 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