Any natural person who is a citizen of the Philippines, of legal age, and with civil capacity to contract and has undergone the prescribed Pre-Membership Education Seminar (PMES)/Pre-Membership Education Webinar. He/she is entitled to all the rights and privileges of membership.
Any natural person, who is beyond sixty-five (65) years old and three (3) months upon application for membership, who wishes to avail of its services and has undergone the prescribed Pre-Membership Education Seminar (PMES). He/she has no right to vote and be voted upon. He/she is entitled only to such rights and privileges as provided for in the By-Laws.