Advisory | Baguio City School Teachers and Employees Multipurpose Cooperative (BCSTEMPC) – “FRESH START FOR 2027” PENALTY AMNESTY PROGRAM!

Nov 9, 2026

🌟 FRESH START FOR 2027: Lighten Your Load, Secure Your Peace of Mind!

Dear valued BCSTEMPC Members,

As the holiday season approaches and we look forward to a brand-new year, the Baguio City School Teachers and Employees Multipurpose Cooperative (BCSTEMPC) wants to help you welcome 2027 with a lighter heart and a clean financial slate! 💚✨

We understand that life has its challenges, and some accounts may have fallen behind. To help you recover and regain your peace of mind, we are launching the “FRESH START FOR 2027” PENALTY AMNESTY PROGRAM!

This is your opportunity to settle your past-due accounts with up to 100% of your accrued penalties waived and reclaim your “Member in Good Standing” status!

⏳ Tiered Amnesty Schedule

The earlier you pay, the more you save!

🥇 Tier 1: 100% Penalty Waiver — Full Condonation

Deadline: On or before December 15, 2026

Pay your outstanding principal and regular interest.

ZERO penalties to pay! 🎁

🥈 Tier 2: 50% Penalty Waiver

Deadline: On or before January 15, 2027

Pay your outstanding principal, regular interest, and only 50% of your accrued penalties.

🥉 Tier 3: 25% Penalty Waiver

Deadline: On or before February 15, 2027

Pay your outstanding principal, regular interest, and 75% of your accrued penalties.

⚠️ Strict Cut-Off: February 15, 2027

There will be NO AMNESTY after February 15, 2027. Accounts remaining delinquent will be subject to our standard collection and legal protocols.

Don’t miss this one-time chance!

💡 Why Avail of This Program?

  • Save on penalties. Reduce or eliminate accumulated penalties based on your payment date.

  • Restore your good standing. Regain eligibility to vote, run for office, earn patronage dividends, and access future loan facilities.

  • Work toward financial peace of mind. Settle your past-due account and move forward with greater confidence.

📝 How to Apply

  1. Visit the BCSTEMPC Office to get your updated Statement of Account (SOA).

  2. Fill out and sign the Amnesty Availment Form.

  3. Make your payment at the cashier on or before your chosen deadline.

Let’s build a stronger, more cooperative future together. Take action today and give yourself the gift of a truly Fresh Start for 2027! 🤝🌲

📞 For inquiries, message us directly on this page or visit our main office.

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