This loan is open to active employees of PLDT Inc. and some Subsidiaries and Affiliates of PLDT, Inc. and covers special payments from PLDT, Inc. and some Subsidiaries and Affiliates of PLDT, Inc. such as Unused Sick Leave (USL), Mid-Year Bonus (MYB), Longevity Pay (LGP), 13th Month Pay and Christmas Bonus. The proceeds of this loan is payable directly to the member who is an active employee of PLDT, Inc. and some Subsidiaries and Affiliates of PLDT Inc.