Fiscal Years 2008-2012 - Commonwealth Development Authority

Transcription

Commonwealth
Development
Authority
2008-2012 ANNUAL REPORT
Mission Statement
We provide appropriate financial and
technical assistance to facilitate the start-up
or expansion of private and public enterprise
for their success, the benefit of the
Commonwealth's economic welfare and
the long term sustainability of the CDA.
Guiding Principles
We perform our mission in a courteous,
professional, accountable, prudent, efficient
and independent manner.
Vision
To revitalize and reposition CDA to
perform its mission and achieve an overall
vision of economic development for
the Commonwealth.
COMMONWEALTH DEVELOPMENT AUTHORITY 2008-2012 ANNUAL REPORT
Table of Contents
2 Divisions and Functions
3 Board of Directors
4 Message from the Chairman and the Executive Director
6 FY 2008 - 2012 Highlights
11 CIP Projects
12 Approved Loans
14 Welcomes and Goodbyes
15 Management and Staff
16 Offices and Contact Information
2008-2012 ANNUAL REPORT COMMONWEALTH DEVELOPMENT AUTHORITY
1
Divisions & Functions
Development Corporation Division (DCD)
The Development Corporation Division provides loans and technical assistance
to small, locally-owned businesses to help stimulate and facilitate economic
development in the private sector. The DCD does not compete with any
private banks and financial institutions in funding private enterprise, thus,
requires applicants to first seek financial assistance from established banks
and financial institutions before submitting a loan application to DCD.
Direct
Loan Program
Commercial Loans
-
Agriculture Loans
-
Marine or Fishing Loans -
Loan
Bank’s prevailing rate
Term Loan
Line of Credit
7.0% interest Rate Per Annum
4.5% Interest Rate Per Annum
4.5% Interest Rate Per Annum
Guaranty Program
Development Banking Division (DBD)
The Development Banking Division carries out government and public sector
activities, such as the financing of capital improvement projects and holding of
U.S. economic assistance as provided by Section 702(c) of the Covenant.
Qualifying Certificate
CNMI Public Law 12-32, as amended, established the Qualifying Certificate
Program to promote continued economic development in the CNMI. A
“Qualifying Certificate” is a contract valid for a given period of time, approved
and granted by the Governor upon recommendation of the Commonwealth
Development Authority Board, between the Government of the Northern
Mariana Islands and the Beneficiary. In return for investment in the CNMI, the
Beneficiary qualifies for certain tax rebates and/or abatements.
2
Board of Directors
Pedro I. Itibus, Saipan
CDA Vice Chairwoman (10/23/08 - 2/2/11)
DCD Chairwoman (10/1/08 - 4/26/12)
Edward C. Sablan, Saipan
Edwin M. Hofschneider, Tinian
Edwin P. Aldan, Tinian
Tom Glenn A. Quitugua, Rota
CDA Vice Chairman (2/3/11 - 9/30/12)
DCD Member
Diego M. Songao, Rota
CDA Member
DCD Member
Merced M. Tomokane, Saipan
CDA Chairman (10/23/08 - 9/30/12)
DCD Vice Chairman (10/23/08 - 9/30/12)
CDA Member
DCD Member
CDA Secretary (10/1/08 - 9/30/12)
DCD Member
CDA Member
DCD Member
3
Message from the Chairman
To the People of the Commonwealth:
H
afa Adai!
It gives us great pleasure to report the
Commonwealth Development Authority’s (CDA’s) activities
and accomplishments for fiscal years 2008 to 2012.
We are living in uncertain times; and, as the Commonwealth’s
economic activity remains stagnant, CDA managed to survive by
implementing reforms and focusing on achieving development results.
On our Development Corporation Division (DCD), in spite of difficulty
in loan collections, we were able to loan out funds in the aggregate
amount of $3,234,385.00.
Many of our clients were not able to withstand the recessionary
pressures. So, we assessed our current loan portfolio, talked to our
clients on individual basis and offered workouts & solutions, such as
the Debt Relief Program and the Deed in Lieu of Foreclosure options.
Since adopting the Debt Relief Program, we worked out forty-five
(45) non-performing loans and brought borrowers back to paying
mode. We continue with our efforts to collect, foreclosed and sold
properties through auctions. Properties that proved difficult to sell
were negotiated for outright leases, thus insuring income from
otherwise idle assets. These efforts brought in loanable funds at
the same time helped preserve and improve the physical conditions
of these properties.
On the Development Banking Division (DBD), the long outstanding
issue of converting to equity the Commonwealth Utilities
Corporation’s (CUC) loan to CDA came to an end. In September
of 2009, the Commonwealth Public Utilities Commission approved
the $45 Million Preferred Stock Agreement between CDA and
CUC which was agreed to and signed by both parties in May of
2009. CDA’s case vs. CUC was dismissed on April 16, 2010. CUC’s
annual dividend payment to CDA, pursuant to the Preferred Stock
Agreement, shall begin on October 12, 2013.
On March 30, 2009, the CDA Board granted the Commonwealth Ports
Authority’s (CPA’s) request for moratorium on its loan payments;
five (5) years on the principal and two (2) years on interest. This
action of the CDA Board of Directors provided CPA flexibility in
terms of repayment capability and has enable the agency to meet
its other obligations.
4
n a n d t h e E x e c u t i v e Di r e ctor
In February of 2008 and 2009, on behalf of the CNMI Government,
CDA filed with the Internal Revenue Service Private Activity Bond
Volume Cap Certificate; $41M for 2008 and $42.38M for 2009.
This increases our ability to float housing bonds.
Between October 1, 2007 and September 30, 2012, CDA received
and processed three (3) Qualifying Certificate (QC) applicants.
CDA recommended tax relief for all three applicants – Saipan
Laulau Development, Inc. dba Saipan Laolao Bay Golf Resort, PTI
Services, Inc. and Sandy Beach Homes, LLC. On November 15,
2011, PTI Services, Inc. surrendered its QC with the company
opting to scale back its call center expansion.
In early part of fiscal year 2009, the QC Rules and Regulations
were amended to restate, enhance and clarify some provisions in
the existing regulations.
On the operations side, CDA reduced its expenditures by limiting
travels, placed a moratorium on salary increases and reallocations,
observed energy savings measures, cut expenses on office supplies,
maintenance, transportation and all others. We will continue to
make these cuts in our operational budget without obstructing our
delivery of quality public services.
As we face the onslaught of a financial meltdown, CDA remained
solid and strong to invest in the future. We will continue to tread
the path to development, assist the private and public sectors, help
build small local industries, and contribute towards improving the
lives of our people.
Si Yu’us Ma’ase’
Pedro I. Itibus
Chairman, CDA Board of Directors
MANUEL A. SABLAN
Executive Director
5
Highlights
2008
I
n October of 2007, CDA participated and
helped fund CNMI promotional efforts at
the Business Opportunities Conference in
Guam, sponsored by the U.S. Department
of Interior. As in previous years’ conferences,
the objective was to help stimulate private
sector-led economic development in U.S. insular
areas including the CNMI.
On November 20, 2007, CDA launched the
Business Mentoring Program. The program
was free of charge and offered timely, relevant
and trusted business mentoring services from
a group of engaged volunteers. Participating
entrepreneurs walked away with tried and
tested solutions to their business issues.
In December of 2007, CDA held the first
Dialogue on CDA Matters hosted by the CDA
Board of Directors. This informal meeting with
clients allowed them to bring up their concerns
and issues before the Board after which were
subsequently replied to and continuously being
dealt with.
In March of 2008, CDA Board
members and staff met with some of its clients
and government officials memorializing CDA’s
response to clients’ concerns.
In February of 2008, CDA filed with the Internal
Revenue Service the Private Activity Bond
Volume Cap Certificate for 2008. On behalf of
the CNMI Government, CDA may float up to
$41,026,636 in Housing Bonds to increase the
housing stocks.
The Northern Marianas College Small Business
Development Center and CDA have once again
partnered and sponsored the Small Business
Development Month throughout the month of
June 2008. In recognition of this event, the
SBDC and CDA conducted a four-part series of
free workshops on Tinian, Rota and Saipan for
local entrepreneurs and small business owners,
as well as anyone that holds a supervisory
and managerial position. The four workshop
titles and presenters include “Essential Skills
of Leadership”, presented by Dr. Kenneth
Shankweiler; “Time Management”, presented
by Rik Villegas; “How to Develop a Business
Plan”, presented by Eric Plinske; and “How to
Develop Financial Projections Using MS Excel”,
presented by Wilhelm Maui.
As part of CDA’s technical assistance program,
CDA co-sponsored with the Department of
Commerce the CNMI’s First Annual Business
Forum, held on August 28, 2008 at the
Saipan World Resort Hotel. Topics covered
at the Forum were: U.S. Public Law 110229, Immigration through the transition
period, military build up, local opportunities,
aquaculture and agriculture opportunities, and
CNMI’s economic plan. On April 2, 2009, at the
Multi-Purpose Center, CDA and the Department
of Commerce held the Economic Restoration
Summit. It showcased the Comprehensive
Economic Development Strategies (CEDS)
plan for the CNMI that contains economic
alternatives and viable ideas for new and
potential industries.
6
On August 1, 2008, the CDA Board approved
Saipan Laulau Development, Inc. dba Saipan
Laolao Bay Golf Resort’s application for
a Qualifying Certificate.
The CDA Board
recommended to the Governor 100% Rebate
on BGRT above a 3-year average on a baseline
based on Division of Tax & Revenue’s calculation
for 25 years; 100% rebate on Excise Tax for
the duration of construction; 100% rebate on
Developer’s Tax for the duration of construction
subject to total benefit cap of $18M. Other
than the direct and indirect benefits the CNMI
will gain from this investment, the company
will provide to the CNMI, as public benefits
over the life of its QC, $150,000 on an annual
basis for health and education programs and
activities with a condition that such contribution
shall not be considered as education tax credit.
The Governor approved and signed Laulau
Development, Inc.’s QC on September 26, 2008.
The Development Corporation Division approved
three small loans totaling $25,000.
2009
E
arly in fiscal year 2009, on October
15, 2008, the CDA Board of Directors
amended the Qualifying Certificate Rules
& Regulations allowing modifications of
QCs that are not in default status and developed
procedures for these modifications.
In February of 2009, CDA filed with the Internal
Revenue Service the Private Activity Bond
Volume Cap Certificate for 2009. On behalf of
the CNMI Government, CDA may float up to
$42,382,962 in housing bonds to increase the
housing stock in the CNMI.
The CDA Board also approved on March 5, 2009
$25,000 for the Economic Restoration Summit for
the procurement of the services of Management
Analysis, Inc. in conjunction with the CNMI
Department of Commerce.
The Economic
Restoration Summit took place on April 2 and 3,
2009 in Saipan. Its number one objective was
to seek the public’s input, discuss and validate
the new industries identified through economic
development research, analysis, public hearings
and planning sessions targeting the CNMI’s
efforts for economic restoration. The Summit
identified four specific industries which the CNMI
could develop: 1) agriculture; 2) aquaculture; 3)
call/data centers; and 4) educational tourism.
On June 11, 2009, the CDA Board of Directors
approved PTI Services Inc.’s Qualifying
Certificate. CDA recommended tax breaks for
PTI Services Inc. as follows: Tax rebate on BGRT
equal to 5% of total wages and salaries paid as
declared on Employer’s Quarterly Withholding
Tax Return for a period of 20 years subject to a cap
of $3.2M; benefits automatically cease when the
cap is reached. A 100% Excise Tax abatement for
a period of three years for imports for approved
call center activities and a 100% abatement on
Developer Infrastructure Tax for the duration of
construction and renovation. Other than the
direct and indirect benefits CNMI will get from
this investment, the company was required to
provide annual public benefit contribution of
$25,000 to establish a scholarship program for
CNMI’s public and private high school students.
The Governor affixed its signature of approval of
CDA’s recommendation on these tax breaks for
PTI Services, Inc on June 30, 2009.
The long outstanding issue of converting to
equity CUC’s loan to CDA came to end. In
September of 2009, the Commonwealth
Public Utilities Commission approved the $45M
preferred stock agreement between CDA
7
Highlights
and CUC. The agreement was signed by both
parties in May of 2009. CDA’s case vs. CUC was
dismissed on April 16, 2010. Dividend payment
pursuant to the Preferred Stock Agreement was
to commence beginning fiscal year 2013.
The Development Corporation Division made
two loans totaling $579,000.00.
2010
I
n late September of 2009, PTI Services,
Inc.’s request for modification of its tax
benefits was heard and approved by the
CDA Board of Directors; modification was
concurred and approved by the Governor on
November 11, 2009.
In December of 2009, the CDA Board of Directors
approved DEQ/CDA Brownfields Pilot Project
patterned after Brownfields Revolving Loan Fund
and funded thru Department of Environmental
Quality’s Brownfields Sub-Grant from the U.S.
Environmental Protection Agency. This program
will clean up contaminated or hazardous areas in
the CNMI for reuse or redevelopment. To market
and advertise the program, CDA in collaboration
with DEQ was granted $30,000.
On January 27, 2010, the CDA Board of Directors
granted the Small Business Development
Center (SBDC) at the CNMI Department of
Commerce, funding not to exceed $65,000
for calendar year 2010. The Center provides
technical assistance to local businesses, have
CDA clients and potential CDA borrowers
access to experts in developing their business
plans. The grant is matching funds to budget
allocation to SBDC provided by the U.S. Small
Business Administration. On August 17th and
18th, SBDC started its FastTrac Growth Venture
5-part series workshop aimed at improving
business prowess. Business entrepreneurs
learned how to size up their business, explore
growth opportunities, determine its market
potential, make strategic decisions and how to
use financial tools. These workshops were free
of charge and open to the public.
In June of 2010, the CDA Board approved the
Commonwealth Ports Authority’s request to
reduce its monthly payment and extended its
loan term to approximately 20 years.
Also in June of 2010, pursuant to Governor
Benigno R. Fitial’s request and the State of
the Emergency Declaration on Commonwealth
Utilities Corporation, the CDA Board approved
to transfer to the CNMI General Fund $1M of
DBD funds; from the interest earned from the
$140M Bond Issue of 1986.
On the same day, the CDA Board approved
to lease the Pacific Gardenia Hotel to Triple J
Saipan, Inc. in support of its $26.9M housing
project in Saipan. The lease is for 55 years.
On October 9, 2010, the CDA Board approved
NMHC’s request for a $1.5M line of credit for
its residential lending program with the U.S.
Department of Agriculture Rural Development.
In fiscal year 2010, the Development Corporation
Division approved $75,000 in direct loans.
8
2011
E
arly in fiscal year 2010, on October
15th, the 2nd Dialogue on CDA Matters
was held at the American Memorial
Park Visitors Center. There were 78
attendees; 53 from Saipan, 10 from Tinian
and 15 from Rota. The program was brought
to Rota and Tinian with the use of an IT&E
unchecked DSL line. The following week, in
observance of its 25th year of existence, CDA
had an open house opened to the public and
particularly its clients, for a week. Attendees
qualified for the raffle (those who attended
both the Dialogue and Open House) – ten
$500.00 coupons as credit to the set aside
interest (for debt relief borrowers) and two
lap tops. Seventy-seven (77) people came,
mostly CDA clients; 48 were from Saipan,
15 from Rota and 14 from Tinian. The result
brought over some interested individuals
inquiring on new loans and on current issues
with CDA clients, their concerns and questions
were heard and are now being addressed.
On December 17, 2010, the CDA Board of
Directors approved Sandy Beach Homes,
LLC’s QC application and recommended to
the Governor tax relief of 100% abatement of
any developer infrastructure tax related to the
construction of a 60-unit affordable residential
housing complex and 100% abatement
of excise tax for construction materials,
equipment, furnitures and fixtures.
Cognizant of its diminishing loanable funds,
on December 17, 2010, CDA prepared and
on behalf of the CNMI as a State, submitted
the Notice of Intent to apply for the U.S.
Department of Treasury’s State Small
Business Credit Initiative (SSBCI) Program.
The SSBCI is a federal program that was
funded with $1.5 billion to strengthen States
capital access programs and other innovative
credit support programs that support lending
to small businesses and small manufacturers.
The CNMI’s targeted share under this initiative
is $13,168,350.00
On March 22 & 23, 2011, CDA management
attended the 2011 Economic Restoration
Summit held at Saipan World Resort and
sponsored by CNMI Department of Commerce
and CDA. The goals for the Summit were to:
raise awareness of local economic issues and
promote greater participation in the creation of
solutions and action items in order to develop
an economically prosperous future.
On July 12, 2011, on behalf of the CNMI
Government, CDA applied for SSBCI Program
funding allocation of $13M loanable funds.
The two components of the Program that CDA
applied for are: the cash collateral support which
basically sets up a loan reserve insurance funds
in the bank where the borrower and the lender
will have to contribute certain percentage of
the loan into the reserve account; CDA or the
CNMI thru the program will then match the
contribution by the lender with matching funds
that can be equal to or greater. The other
component involves loan purchase participation
similar to a loan guaranty program that CDA
had with local banks.
In August of 2011, the CDA endorsed efforts
to revive the Junior Achievement Company
Program in the CNMI in partnership with
the Junior Achievement of Guam, Inc., the
CNMI Public School System and the Northern
Marianas College.
The Company Program
is just one of the Junior Achievement’s
many programs designed to inspire youth to
succeed in global economy. It is an afterschool program for high school students that
teaches entrepreneurship, financial literacy
and workforce readiness.
On September 14, 2011, the CDA Board approved
a $600,000 investment, as equity contribution,
9
Highlights
50% common stocks and 50% preferred stocks,
with the Artic Circle Air Company (ACAC). ACAC
is a locally-owned airline that will transport local
produce to and from the CNMI and Guam.
The Development Corporation Division approved
$609,000.00 in direct loans in fiscal year 2011.
2012
I
n January of 2012, the CNMI Junior
Achievement Company Program was relaunched successfully. CDA endorsed this
Program in fiscal year 2011 and assigned
a senior staffer to help organize the event. The
program takes students through the entire
business process — capitalization, research
& development, production, marketing, sales
and liquidation. In addition to learning how
businesses function, students develop consensus
building, critical thinking, public speaking, group
and self-assessment skills.
As determined by the U.S. Department of
Treasury that CDA does not meet two of the
considerations for eligibility under the SSBCI
Act, CDA on behalf of the CNMI, revised its
application changing the applicant to that of
the Department of Commerce. The revised
application was submitted on January 18, 2012
and was approved on February 27, 2012. The
U.S. Treasury allocated $13M of SSBCI funds
to the CNMI; $4.6M for the Loan Purchase
Participation Program and $8.5M for the Cash
Collateral Support Program. CDA acts as the
Implementing Agency while the Department of
Commerce is the Responsible Agency for the
10
CNMI. Out of the $13.5M allocation, $4.35M was
remitted to the CNMI General Fund on March
12, 2014 as the first of the three disbursements
of the funds.
In May of 2012, the Development Corporation
Division (DCD) Rules and Regulations was
amended to restate, enhance and clarify the
existing regulations on the Deed in Lieu of
Foreclosure Section.
The Development Corporation Division made
$1,297,385.00 in direct loans in fiscal year 2012.
CIP Projects
FY 2008 - 2012
Koblerville Basketball Court (Saipan)
Marpi Public Cemetery (Saipan)
Natibu Park (Tinian)
Pavement of Rota West Harbor Marina (Rota)
11
APPROVED LOANS
FY 2008 - 2012
Fiscal Year Borrower’s Name
2008
DistrictAmount Purpose
St. Jude Renal Facility
Saipan
$ 25,000.00
Total Fiscal Year 2007
2009
Iglecias, Alvin
Cruz, Jose P. & Lorna
Manglona, Edward C.
C&R Corporation
Aguon, Jesse & Eleanor
Dialysis Center - Working Capital
25,000.00
Saipan 15,000.00
Tinian
9,000.00
Saipan 400,000.00
Saipan 25,000.00
Saipan 130,000.00
Fishing
Bar & Grill
Wildlife Habitat & Fruitland Park
Working Capital/Apartment Rental
Apartment Rental
Total Fiscal Year 2009 579,000.00
2010
C&M Holding Company
Sablan, Bernard & Maria S.
Sutton, Loren & Ellena
Saipan
Saipan
Saipan
25,000.00
25,000.00
25,000.00
Total Fiscal Year 2010
75,000.00
2011
Sablan, Antonio P.
Sablan, Antonio P.
Santos, Claudia
USA Islands Seafood and
Saipan/USA Fisheries, Inc.
Bennett, Ambrose
20,000.00
5,000.00
23,000.00
Saipan
Saipan
Saipan
Saipan 500,000.00
Saipan 61,000.00
Working Capital/Shipping Company
Auto Repair Shop
Working Capital/Law Office
Fishing
Supplemental Fishing
Ice Cream Truck/Retail
Line of Credit/Fishing
Motorcycle Rental
Total Fiscal Year 2011 609,000.00
2012
C&R Corporation
Saipan 25,000.00
C&R Corporation
Saipan 100,000.00
Aviation Services, Ltd. dba
Freedom Air
Saipan 900,000.00
Sablan, David C.
Saipan
3,500.00
Blue Continent Communications,
Inc., dba KKMP
Saipan 268,885.00
Total Fiscal Year 2012 1,297,385.00
12
Grand Total
$2,585,385.00
Working Capital/Retail Store
Loan Consolidation & Addt’l. WC
for Apartment Rental/Retail Store
Emergency Bridge Financing/Airline
Fishing
Radio Station
Santos, Claudia
(Ice Cream Truck/Retail)
USA Islands Seafood & Saipan/USA Fisheries, Inc.
(Fishing/Packing and Export)
Bennett, Ambrose
(Trikes Rental)
Manglona, Edward C.
(Wildlife Habitat and Fruitland Park)
Aguon, Jesse and Eleanor
(Apartment Rental)
13
WELCOMES AND GOODBYES
Welcome on board….
Mr. Edward C. Sablan
Mr. Edward C. Sablan, representing the island of Saipan, was sworn in on March 27, 2009
as a CDA Board member. His first four-year term expired on April 27, 2012. He was
reappointed and continues to serve to this day. Mr. Sablan is a government Retiree.
Mr. Diego M. Songao
Mr. Songao was sworn in on August 11, 2011 as a CDA Board member representing the
island of Rota. Mr. Songao is a self-made businessman who owns and operates Songao
Enterprises in Rota.
Mr. Tom Glenn A. Quitugua
Representing the island of Rota, Mr. Quitugua who was sworn in on October 12, 2011 as
a CDA Board member. Mr. Quitugua was not new to CDA. He was once a CDA Board of
Director, from 2003 to 2006. Mr. Quitugua is currently with the Rota Mayor’s Office as the
Special Assistant to the Administration and Chief of Staff.
Mr. Edwin P. Aldan
Also on October 12, 2011, Mr. Aldan, representing the island of Tinian was sworn in as
a CDA Board member. He is a government Retiree and currently works for a private
company.
Mr. Manuel A. Sablan
An individual with extensive knowledge and experience in banking and economics, Mr.
Sablan was hired as CDA Executive Director in March of 2009. He was a CDA Board
member for four and a half years.
Mr. Donnie P. Militante
Mr. Militante joined CDA as a Comptroller on December 27, 2011. His accounting career
with the government started in 2005 at Saipan Credit Union and then to Marianas Visitors
Authority as Comptroller.
Goodbyes to…
Mrs. Winnie C. Camacho
Mrs. Camacho joined CDA on March 12, 1989 and had since worked for the Accounting
Department. She was promoted in 2005 to Financial Administrator’s position until her
retirement in April of 2008.
Mrs. Lucia M. Techur
Mrs. Techur worked as an Administrative Assistant since July of 2003 and was thereafter
promoted to Administrative Specialist. She resigned and moved to the mainland in
September of 2008.
Mrs. Rowena T. Ford
Mrs. Ford began her career with CDA in June of 2004 as a Loan Officer and was thereafter
transferred to accounting department as Accountant III until her departure in October of
2008. She moved to the mainland the same year.
14
Management & Staff
ADMINISTRATION
Manuel A. Sablan
Executive Director
ESPERANZA S. BORJA
Executive Assistant
JOAQUIN B. FLORES
Facility Maintenance Coordinator
CHRISTY N. KINTOL
Office Manager
CARLINE B. SABLAN
Economic Development Analyst
ACCOUNTING
DONNIE P. MILITANTE
Comptroller
OSCAR C. CAMACHO
Loan Manager
ELAINE DLG. BENJAMIN
LOURDES S. deleon guerrero
LOAN
FIELD OFFICE
Manager, Financial Services
GREG P. CALVO
Loan Officer
Accountant
nAnette atalig
Administrative Specialist, Rota
15
Offices & Contact Information
SAIPAN
P.O. Box 502149 CDA Building,
Oleai, Saipan, MP 96950
Tel. Nos.: 234-7145/7146/6293/6245
Fax No.: 235-7147
Emails:
Administration: [email protected]
Loan Department: [email protected]
Accounting Department: [email protected]
Qualifying Certificate Program: [email protected]
ROTA
P.O. Box 857 Tamara & Seven Brothers Building
Songsong Village, Rota, MP 96951
Tel. No.: 532-9408
Fax No.: 532-9409
Email: [email protected]
Website: cda.gov.mp
CDA OFFICE, SAIPAN
16
CDA OFFICE, ROTA
2008-2012 ANNUAL REPORT

Fiscal Years 2008-2012 - Commonwealth Development Authority

Transcription

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