What type of savings in Pag-IBIG is mandatory and provides high annual dividend earnings?

The Pag-IBIG Regular Savings program is considered a mandatory savings scheme designed to benefit members by providing them with high annual dividend earnings. This program is an essential component of the Pag-IBIG Fund, which aims to help members save for their future, particularly in terms of housing and other related needs.

Members are required to contribute a portion of their salary to the Pag-IBIG Regular Savings, which not only helps in creating a savings fund but also accrues dividends over time. These dividends are given based on the fund's overall earnings and are typically higher in comparison to standard savings accounts in banks, making it an attractive option for those looking to grow their savings.

In contrast, the Modified Pag-IBIG 2 Savings is an optional savings program that offers higher dividends than the regular savings but is not mandatory, thus it does not fit the criteria outlined in the question. The Pag-IBIG Multi-Purpose Loan and Calamity Loan are borrowing options rather than savings plans and do not provide dividends at all. Therefore, the Pag-IBIG Regular Savings is the only correct choice as it meets both the criteria of being mandatory and providing high annual dividend earnings.