UNDERTAKING Iherebycertifythatallinformationhereinaretrueandcorrectbasedonmyownpersonalknowledge.IauthorizetheBanktoobtaininformationas itmayrequireconcerningmyloanapplicationandagreethatitshallremaintheBank’spropertywhethermyloanisapprovedornot.Anyinformation givenbymeorotherpersonsdulyauthorizedbymewhichisnottrueoraccurate,willautomaticallycausetheBanktorejectmyloan,cancelitsapproval oriftheloanhasbeenreleasedtome,todemandimmediatepaymentthereof. Iherebywillingly,voluntarilyandwithfullknowledgeofmyrightunderthelaw,waivetherighttoconfidentialityofinformationandauthorizethe Banktodisclose,divulgeandrevealanysuchinformationrelatingtotheloanapplicationoraccount,includingeventsofdefault,forthepurposeof, amongothers,clientevaluation,creditreportingorverification,andrecoveryoftheloandueandpayabletotheBankunderthetermsandconditionsof thisapplication. Inviewoftheforegoing,theBankmaydisclose,divulgeandrevealtheaforementionedinformationtothirdparties,includingbutnotlimitedtomy employer,theBank’saffiliates,subsidiaries,agentsorservicesproviders,theBankers’AssociationofthePhilippines–CreditBureau(BAP–CB)orto anysimilarcentralmonitoringentityorrecipientsasprovidedforbylawandrequiredbycompetentauthority. IfurtherauthorizetheBank,asmyAttorney-in-Fact,toconductrandomverificationwiththeBureauofInternalRevenue(the"BIR")inorderto establishtheauthenticityofmytaxstatements(the"ITR”)andtheaccompanyingfinancialstatements/documentssubmittedtotheBANKinaccordance withbankingregulatoryrequirements. IholdtheBankfreeandharmlessfromanyandallliabilities,claimsanddemandsofwhateverkindornatureinconnectionwithorarisingfromthe aforementioneddisclosureorreporting. IherebyacknowledgethatthePersonalLoanoranypart(s)thereofshallbedeemedtohavebeenavailedonthedateonwhichfundsare transferredtomybankaccountorcash/prepaidcard,maintainedwiththeBank,orreceiptoftheManager’sCheckreflectingtheamountoftheloanless applicablefees,chargesandtaxes. IfurtherauthorizetheBanktodeductfromtheproceedsofmyloan,allfeesincluding,butnotlimitedto,processingfees,documentarystamptax, notarialfeesandinterestaccrualsshouldthefirstduedatebeover30daysfromthereleaseofmyloanandotherrelatedcharges. IlikewiseauthorizetheBanktoprovidemewithaconsumerloanoradditionalbankproduct/s(suchasbutnotlimitedtoauto,housing,creditcard andotherproductssuitedtomysituation)attheBank’ssolediscretion.Myacceptanceofthecreditcardortheproceedsofanyloanreleasedpursuant theretoshallbeconclusiveproofofmyacknowledgementofmyadditionalobligationsand/orindebtednesstotheBankundertheTermsandConditions setforthbytheBankandprevailingatthetimethecreditcardisissuedortheadditionalloanisapproved. IherebyagreethattheBankhastherighttoapprovealoweramountthanmydesiredloanamountasindicatedinthisapplicationandshallrender theBankfreeandharmlessfromanyliabilityarisingthereof. Iherebyagreethatshouldmyapplicationbedenied,theBankhasnoobligationtofurnishthereasonforsuchrejectionortoreturnmyapplication andothersubmitteddocuments. IalsolegallybindmyselftotheTermsandConditionsoftheLoanProgramPromissoryNote,DisclosureStatementandotherrelevantdocuments thatIshallexecuteinfavoroftheBank. __________________________________________________ Borrower’sSignatureAbovePrintedName ________________________________ Date PleasemakepaymentsonlytoauthorizedBankemployees.Salesagentsand/orreferrorsarenotallowedtocollectanyfeesofwhatevernatureonbehalfofthe Bank.Anypaymentsmadetoindividuals/entitiesnotauthorizedbytheBankwillnotbebindingontheBank. QUALIFICATIONS: REQUIREMENTS: Atleast21yearsoldandmustnotbemorethan65yearsolduponloan maturity Filipinocitizen Withofficeorresidencelandline Dulyfilled-outandoriginalsignedapplicationform SignedPromissoryNoteandDisclosureStatement PhotocopyofCompanyIDwithpictureandsignature Photocopyofone(1)validgovernmentissuedIDwith3specimen Residenceorofficeiswithinselectedprocessingservicearea IfEmployed: signature IfEmployed: Regular/Permanentatleastsix(6)monthswithcurrentemployer GrossMonthlyIncomeRequirement: P20,000.00forMetroManila Latestoriginalone(1)monthpayslip LatestBIRForm2316 P15,000.00forNonMetroManila IfSelf-Employed: Withatleasttwo(2)continuousyearsofprofitableoperationsinthe samelineofbusiness NetMonthlyIncomeRequirement: P30,000.00forMetroManila P25,000.00forNonMetroManila LoanAmortizationSchedule* IfSelf-Employed: LatestITRwithBIRstampandtaxreceipt Two(2)yearsAuditedFinancialStatements SEC/DTICertificateofRegistration Six(6)monthsbankstatements/passbook Note:Otherdocumentsmayberequiredtoprocesstheloan. FeesandCharges: Tenor Add-onRate/mo. MonthlyEffective InterestRate 12mo. 1.39% 2.46% 18mo. 1.49% 2.63% 24mo. 1.59% 2.77% 36mo. 1.69% 2.83% Processingfee:Php1,500.00(tobedeductedfromloanproceeds) DocumentaryStampsTaxofP1.00foreveryP200.00,onlyfor loansP250,000.00andabove. LatePaymentFee:3.0%ofoverdueamountorP500.00, whicheverishigher EarlySettlementFee:5.0%oftheremainingprincipalbalanceor P500.00,whicheverishigher. ReturnedCheckFee:P500.00perreturnedcheck. ExtensionFee:P500.00 Amount 15,000 50,000 100,000 300,000 ApproximationofMonthlyAmortization 1,057864671 3,5232,8792,234 7,0465,7574,468 21,13717,27013,404 1,459 4,862 9,724 29,170 500,000 1,000,000 48,617 97,234 35,228 70,456 28,784 57,567 22,339 44,678 *Interestratesandchargesaresubjecttochangewithoutpriornotice. AllapplicationswillbesubjecttoBank’screditpoliciesandprocedures. FORBANKUSEONLY ApplicationNo.:_____________________________________________ MonthlyAmortization:P____________________________ ApprovedLoanAmount: ProcessingFee: DocumentaryStamps: P____________________________ P____________________________ P____________________________ ApprovedLoanTerm: DateofApproval: ____________________________ ____________________________ NetProceeds: P____________________________ ApprovedBy:______________________________________