1. The applicant fills and submits an amortization application form to the Directorate of Legal Affairs to be transferred to the loan accountant.
2. The Legal Affairs officer determines the fees, if any.
3. The loan accountant determines the amount to be fully repaid on the amortization form if available.
4. The borrower is directed to pay the resulting amount of the loan at the cashier.
5. The applicant pays the amount by virtue of an endorsed check or in cash.
6. Transferring the applicant to the files officer to be given the loan file.
7. The applicant hands over the loan file after presenting the receivables document which is transferred to the loan accountant.
8. The loan accountant prints the clearance form and closes the loan financially transferring the file with attachments to the Internal Audit Division.
9. The file and attachments are audited by the Internal Audit division then transferred to the Department of Legal Affairs in the case of any legal proceedings regarding the loan.
10. The loan accountant prepares a release of pledge letter and suspension of deduction according to the financial position of the loan and submitted securities.
11. The loan file is transferred to the Department of Legal Affairs to stay proceedings, if any (release of precautionary attachment of immovable and movable properties (projection of issues).
12. Transferring the file to General Manager Assistant  for Financial and Administrative Affairs or to the General Manager for signing.
13. Signing the clearance form, the repayment form and the attached letters and transferring these to the Bureau.
14. Keeping the attached letters in the clearance file and sending these to the client.

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