Cebuana Lhuillier Bank

Cebuana Savings

this is an upgraded version of Microsavings which can exceed P50,000 savings.

• Save more than Php 50,00
• Earn Higher interest per annum
• No Limit on Deposit and Free Upgrade

Requirements:
1. Updated Customer Information Sheet
2. Two (2) Valid Government IDs

Regular Savings

Passbook-based savings account that let’s you monitor your growing money

• Easy record keeping
• Low initial deposit
• Secure way to save

Requirements:
1. Updated Customer Information Sheet
2. Two (2) Valid Government IDs
3. Proof of Billing

Checking Account

Secure payments via cheque with affordable peso checking account

• Affordable Checking
• Cover Personal or Business Needs
• Secure payments

Requirements:
1. Customer Information Sheet (CIS)
2. Two (2) Valid Government IDs
3. Proof of Billing

Time Deposits

Earn Premium rates at your preferred maturity period

• High Interest yield
• Tax Free
• Terms suitable to your lifestyle

Requirements:
1. Customer Information Sheet (CIS)
2. Two (2) Valid Government IDs
3. Proof of Billing

• Initial Deposit of P10,000.00
• Subject to 20% withholding tax

5 Year Time Deposit

Earn premium rates at your preferred maturity period

Requirements:
1. Customer Information Sheet (CIS)
2. Two (2) Valid Government IDs
3. Proof of Billing
4. Placement should be 5 years + 1 day
5. Net of interest

Certificate of Time Deposits

This is a 30-day to one-year term deposit that offers high interest earning potential.  It assures clients of interest earnings for as long as the deposit remains in the bank throughout the agreed term.

We allow a client’s interest to be withdrawn or deposited to a savings account every month or at the end of the term depending on the depositor’s instruction.

Five-Year Term Time Deposits

This is a tax-free time deposit account with a five-year term. Interest may also be drawn every month or as the depositor wishes (every quarter, every year, at the end of the term or deposited to the depositor’s savings account).

Special Savings Deposits

This is a term deposit savings account that offers premium rates with flexible maturity period. This kind of deposit comes with a passbook for ease of recordkeeping and monitoring of account transactions.

Interest rates (Gross) per annum:

Regular Savings Deposits

This is a regular passbook-based savings account that can be withdrawn from anytime. This type of account earns an interest of 1% per annum.

Regular Demand Deposits

This is a non-interest checking account with a low maintaining balance requirement.

We require clients to shell out an initial deposit of Php 5,000 and maintain a Php 2,000 balance to avail this type of account.

An interest bearing deposit product with low initial deposit and has no maintaining balance. It is owned by Cebuana Lhuillier Rural Bank and is being carried by Cebuana Lhuillier Pawnshop as its cash agent, making it similar to savings bank as they accept transactions on behalf of the bank. Cebuana Lhuillier Micro Savings is currently available in close to 3,000 branches nationwide and can be availed using 24k Plus Card.
To know more about the micro savings product click here

Home Loan

Do you need financial assistance on the following?

• Construction or Renovation
• Purchase of house and/or Lot
• Refinancing or Take-Out

Home to Cash Loan

Rebuilding your home? Get the cash you need by using your home as collateral!

Loan up to 40 percent of your property’s value. For example, if you have a Php 1,000,000 property, you can loan up to Php 400,000, and pay as low as Php 14, 603 per month for 36 months.

Auto Loan

Owning your dream car is now made easier! You can loan up to 70 percent of your car’s value.

For a Php 400,000 vehicle, we can finance up to Php 240,000! Pay as low as P8,600 per month in 36 installments!

Tsikot to Cash Loan

Need funds to fix your car? Then use it as collateral for your car loan!

If your car is five years or below, you can loan for as much as 40 percent of its value. For example, for a P400,000 vehicle value, you can loan up to P160,000 where you can pay P14,822 per month in 12 installments.

Employee Salary Loan

To provide maximum financial benefits for employees in need, this hassle-free loan application and loan payment type that is exclusively offered to all regular employees of the PJ Lhuillier Group of Companies nationwide.

Agricultural Loan

Specially designed for small-scale agricultural businesses, this loan offers financial support for farmers to increase their resources and expertise. It includes special terms and conditions suitable for small farmers.

Microfinance Loan

Helping micro business:

• Increase Inventory of Goods Being Sold
• Support Day-to-Day Operation
• Other Business Expenses
• Up to Php 3000,00 loan Amount
• Up to 1 year to pay
• 3% Add-ON-Rate per month
• Auto-Debit or Post-Dated Checks
• No Collateral

SME TERM Loan

For purpose of:

• Business Expansion
• Acquisition of Property
• Purchase of Machinery or Equipment

Motorcycle Loan

Regular

• Exclusive to Japanese Brands
• Below php 184,999 SRP

Medium Bike

• All Brands excepts Chinese Brand
• Php 185, 000 to Php 249, 999 SRP

Big Bike

• All Brands excepts Chinese Brand
• Php 250,000 and above

Bacoor  Branch

(046) 417-3366

(02) 8542-8272

Shoretel: (02) 7759-9888 loc. 2185

Smart/TNT/Sun: 0908-968-4018

Globe/ TM: 0977-467-0214

160 Zapote Road, Zapote I, Bacoor City, Cavite

Jupiter Branch

Shoretel: (02) 7759-9888 loc. 2189

PLDT: (02) 8283-5912

Globe: (02) 7759-9815

GF NCVI Bldg., 156 Jupiter St., Makati City

Calatagan Branch

(043) 417-3694

Brgy. Tanagan, Calatagan, Batangas

Branch-Lite (MBO-Imus)

(046) 474-0100

Aguinaldo Hi-way corner Tanzang Luma, Imus City, Cavite

Branch-Lite (MBO-Nasugbu)

(043) 416-0020

Alix Street, Brgy. 3, Nasugbu, Batangas

Remedios Pornellosa

Remedios Pornillosa wanted to expand her business, but, her age prevented her from applying for a loan from other banks. With Cebuana Lhuillier Bank, she was able to apply for a loan worth P6,208 with initial savings of P1440. Her business grew and she was able to loan P25,000 for the fifth time. She used the money to buy an additional freezer. She took advantage of the El Nino and sold ice and ice water. Ice and Ice water gave her additional P300-400 in sales. The profits she gained helps her and her family pay for their different bills and weekly amortizations. Through her added income, she was also able to send her son to college again. Her son stopped going to school due to financial setbacks.
Remedios has been a Microfinance member since September 1, 2008 and a former client of the Micro MABS, where she was able to apply for a two-cycle loan worth P150,000. She is a loyal customer of Cebuana Lhuiller Pawnshop and Pera Padala.

Reynaldo Saquilayan

Reynaldo Saquilayan spent 20 years as an Air Traffic Controller in Dubai. He was able to save enough money to buy several properties in the country. He had no steady source of income when he retired. He returned to the Philippines with the intention of constructing a commercial building; but, his money was not enough. He applied for a loan in Cebuana Lhuillier Bank.
To this day, Reynaldo is thankful to CLB for providing him the means to build his five-door commercial building, which he rents out businesses. With Cebuana Lhuillier Bank, Reynaldo now has a stable source of income in his retirement age.

• • • • 1. GENERAL PROVISIONS:
        • • 1.1. DEFINITIONS
            • Cebuana Lhuillier Rural Bank (“CLRB” or the
              “Bank”) – A rural bank duly registered with the Bangko Sentral ng Pilipinas (BSP)
              and licensed as an Electronic Banking and Electronic Money Issuer.
            • Cebuana Lhuillier Pawnshop (or “Cash Agent”)
              – is the accredited 3rd party service provider of the CLRB.
            • Deposit Account – This refers to interest-
              or non-interest-bearing deposits which are withdrawable upon demand thru available
              bank channels.
            • Micro Savings Account – refers to an interest
              bearing deposit which is linked to the 24k Cebuana Card or other proprietary card
              that may be issued by CLRB which may be accessed thru its channels such as but not
              limited to Cash Agents. Should the Client exceed the maximum balance of PHP50,000.00,
              the Bank shall convert the basic deposit account to a regular deposit account thus
              the terms and conditions for regular deposit accounts shall apply.
            • e-Money Account – An account that stores Philippine
              Peso (Php) value which resides in the e-Money system. It may be linked to the Account
              Holder’s electronic device such as mobile phone and which may be evidenced by a
              physical 24k Cebuana Card or other proprietary card that may be issued by CLRB
            • Know Your Customer (KYC) – is a process to
              establish the full identity of individuals looking to transact with a financial
              firm, which is usually done by requiring identification cards from a client as required
              by the Bangko Sentral ng Pilipinas (BSP).
            • Personal Identification Number (PIN) – a personalized
              digit code used to access the account and make transactions.
            • Cebuana Lhuillier 24K Card (or “24k Card”)
              – a valid and unexpired rewards card issued by a Cebuana Lhuillier Pawnshop or Cebuana
              Lhuillier PeraPadala outlet to qualified clients who become entitled to exclusive
              privileges, discounts, freebies, and special service offerings. It is non-transferable
              and must be presented only by bonafidecardholders
        • • 1.2 THE AGREEMENT – This Agreement governs the relationship
            between the Client and the Bank.. The Bank may enact, modify or amend these terms
            and conditions, from time to time, as are customary in the conduct of the banking
            business or are in its judgment necessary for the protection of the Client and the
            Bank.
        • • 1.3 CLIENT INFORMATION –The Client hereby warrants
            that all information pertaining to his/her identity and personal circumstances are
            true and correct. The Client hereby allows the Bank to verify said information.
            Further, the Client confirms, declares and acknowledges that the mobile phone number
            and e-mail address provided to CLRB are owned/under the control of the Client and
            that, any communication made from and to the said mobile number and/or e-mail address
            shall be automatically treated by CLRB to be directly coming from the Client, unless
            otherwise advised in writing. The Client shall update, whenever required by the
            Bank, information provided during account opening, such as address, mobile phone
            number and email address and shall notify the Bank immediately, in writing, of any
            change in his/her contact details and information. The Bank shall hold these details
            as true and complete in the event that no update is given unless otherwise advised
            in writing.
        • • 1.4 RECORD OF TRANSACTIONS – The Client is responsible
            for verifying the e-Money and/or Deposit transaction history details and records
            to make sure that there are no unauthorized transactions. The Client should likewise
            review and reconcile transaction records/details for any errors or unauthorized
            transactions promptly and thoroughly.
        • • 1.5 ACCOUNT AND CARD SECURITY – The Client shall
            be responsible for the security of his/her 24K Card or other proprietary card that
            may be issued by CLRB and for the maintenance of his/her PIN and/or online password.
            The Client acknowledges that his/her PIN and/or password are known only by him/her,
            and not by anyone else, nor by the Bank or the Cash Agent. The Client shall be responsible
            for all transactions processed through the use of the 24K Card (or other proprietary
            card issued by the Bank) and the PIN and/or password whether or not the transactions
            were made with the Client’s knowledge or authority. The Client shall hold the Bank,
            the Cash Agent, its officers and employees free and harmless from any and all losses,
            damages, or liabilities incurred or suffered in connection with the Client’s disclosure
            of his/her PIN and/or password. In case the 24K Card or other proprietary card is
            lost, stolen or destroyed, the Client agrees to immediately notify the Bank by calling
            Cebuana CARES Hotlines of such loss within twenty-four (24) hours, via telephone
            from 9am-6pm, Monday to Sunday or submit a written report to any Cebuana Lhuillier
            branch. All activities and transactions made thru the use of the 24K Card or other
            proprietary card prior to the report of the loss shall continue to be the liability
            of the Client.
        • • 1.6 REFERENCE NUMBER – Each successful transaction
            shall be evidenced by a system-generated Reference Number, which shall be transmitted
            to the Client’s enrolled mobile number, e-mail address or validation form, whichever
            is applicable, for records purposes.
        • • 1.7 TRANSACTION DATE – The Bank will effect the
            Client’s transactions provided there are sufficient cash value available in the
            Client’s deposit or e-money account. It is the responsibility of the Client to ensure
            that sufficient cash or cash value are available in the Client’s deposit or e-money
            account at all times to cover any of the transactions, immediate or scheduled, and
            that the 24k Card or other proprietary card is active. Any charges or penalties
            as a result of an unsuccessful transaction due to insufficiency of cash or cash
            value or cancelled card will be the sole responsibility of the Client and shall
            be for the account of the Client.
        • • 1.8 ACTIVATION AND DE-ACTIVATION OF DEPOSIT / E-MONEY
            ACCOUNT FEATURES – CLRB reserves the right to add, discontinue or deactivate
            features or functions upon sixty (60) calendar daysnotice to the Client through
            SMS and/or email.
        • • 1.9 TERMINATION/SUSPENSION OF ACCOUNT – The Client
            may request CLRB to terminate or suspend the Deposit/e-Money account by submitting
            a written request to the Cebuana CARES or any Cebuana Lhuillier Pawnshop branches.
            The Client shall remain responsible for any transactions made on the account until
            the time of termination or suspension of the use of the card. The Bank also reserves
            the right to terminate or suspend the Client’s use of the card or close the account
            at any time with or without prior notice, and in any of the following instances:
            a) discovery of any form of fraud; b) violation of any of the provisions of the
            terms and conditions and rules and regulations of CLRB supplementary thereto; and
            c) other grounds warranted by law. The Bank is authorized to report such termination,
            suspension or closure to the BSP or to any monitoring body of the BSP. The Client
            shall hold the Bank free and harmless from all liabilities, claims and demands arising
            from the above actions of the Bank.
        • • 1.10 DISPUTES ON TRANSACTIONS – The details in the
            Deposit/e-Money Account’s transaction records are presumed true and correct unless
            the Client notifies the Bank thru Cebuana CARES in writing of any disputes thereon
            within fifteen (15) calendar days from the date of transaction. If no dispute is
            reported within said period, all transaction details and records are deemed true
            and correct. Disputed transactions shall only be adjusted once the claim/dispute
            has been properly processed, investigated, and proven to be in favor of the Client.
        • • 1.11 EXCLUSION FROM LIABILITY – CLRB makes no warranty,
            express or implied, regarding the performance of this Agreement or the electronic
            banking functionalities or other services offered hereunder. CLRB electronic banking
            service is offered on an “as is” or “asavailable” basis without warranties of any
            kind, except those required by law and other rules and regulation issued by pertinent
            government agencies. CLRB further makes no warranty (1) as to the content, quality
            or accuracy of data or information provided by CLRB hereunder or received or transmitted
            using the electronic banking channels; (2) as to any service or product obtained
            using the electronic banking service; (3) that the electronic banking service will
            be uninterrupted or error-free; or (4) that any particular result or information
            will be obtained. CLRB shall not be liable for any loss, added cost, compensation,
            damage or liability that the Client may incur as a result of any delay, interruption
            or termination of the electronic banking transaction whether caused by administrative
            error, technical, mechanical, electrical or electronic malfunction or any cause
            beyond CLRB’s control (including but not limited to acts of God, labor disputes,
            failure of communication lines, interconnection problems, mobile phone signal/reception
            problems, interference or damage by third parties).
        • • 1.12 LIMITATION OF LIABILITY – Subject to the provisions
            herein, if CLRB is found liable for any act or omission for any reason whatsoever,
            the liability of CLRB shall be limited to the amount of the relevant transaction
            or actual damages to the Client, whichever is lesser. CLRB shall not be liable to
            the Client for any indirect, special, exemplary, punitive or consequential loss
            or damages arising from the use of 24k Card or other proprietary card, including
            but not limited to lost opportunities or profit.
        • • 1.13 ANTI-MONEY LAUNDERING – The Client warrants
            that he/she is aware of the provision of R.A. No. 9160 (Anti-Money Laundering Act
            of 2001) and acknowledges that his/her account is subject to the provisions of R.A.
            No. 9160, including any and all amendments, rules or regulations pertaining thereto.
            The Client hereby agrees to keep the Bank, its directors, officersand employees
            free and harmless from any and allliabilities for any action taken in compliance
            therewith.
        • • 1.14 DATA PRIVACY – The Bank is committed to respecting
            and protecting data privacy rights of the Client as a data subject in accordance
            with R.A. 10173 (“Data Privacy Law of 2012”), its Implementing Rules and Regulations
            and other applicable laws of the Republic of the Philippines. In the course of providing
            services to the Client, CLRB and the Cash Agent may collect information (including
            personal information) relating to the Client, including the transactions, accounts,
            account information or records. For this purpose:
            • The Client agrees that he/she will receive transaction notifications, and be regularly
              updated by the Bank and its subsidiaries and affiliates (hereinafter, “Cebuana Lhuillier
              Group”)of their products and services, and thus understand fully that his/her foregoing
              information will accordingly be shared.
            • The Client understands that the information collected, to be processed and retained
              shall be for the following purposes: client identification; profiling; direct marketing
              and cross-selling of products; and compliance to BSP rules, AMLA and such other
              purposes that may be required or allowed by law. The Client has been informed that
              he/she have the option not to give the foregoing information, in which case he/she
              understands that his/her transaction will not be processed. The client has also
              been informed that he/she can make corrections to any inaccurate or deficient information
              and have the option to withdraw his/her consent prior to the processing of his/her
              transaction by emailing Cebuana Lhuillier at
              [email protected] or calling Telephone Numbers: (02) 7759-9800/(02) 8779-9800
            • Any Concerns about Data Privacy can be reported by the Client to
              [email protected]. Client is encouraged to visit https://privacy.gov.ph to know more about R.A. 10173.
            • The Client hereby certifies that the information provided to the Bank are freely
              and voluntarily given and are true and correct to the best of his/her knowledge.
              Further, the Client hereby authorizes the Bank and the Cebuana Lhuillier Group to
              disclose to its partners, agents or other clients his/her above information to aid
              in any and all investigations that may be initiated on account of, or in relation
              to any concerns that may arise out of this transaction.
        • • 1.15 DISCLOSURE OF INFORMATION – The Client acknowledges
            that the Philippine government, United States government and governments of other
            foreign jurisdictions where transactions pertaining to his/her account may transpire,
            may require the Bank, its branches and agencies, and the Cebuana Lhuillier Group
            to disclose or produce information concerning his/her account. For this purpose,
            the Client hereby waives his/her rights under R.A. 1405 (Law on Secrecy of Bank
            Deposits), R.A. 6426 (Foreign Currency Deposit Act of the Philippines), R.A. 8791
            (General Banking Law of 2000), or any other pertinent law or regulation, as the
            same may be amended from time to time, and hereby authorizes the Bank, its branches
            and agencies, and all of the Bank’s subsidiaries or affiliates, without prior notice
            to the Client, to make any and all disclosure of information regarding the account
            as may be required. The Client hereby holds the Bank, its directors, officers, employees
            and other duly authorized representatives free and harmless against any and all
            liability arising from any loss or damage which the Client may incur or suffer as
            a result of such disclosure.
        • 1.16 CONSENT TO SHARE INFORMATION – For the purposes
          of (a) sales and marketing activities, cross-referencing, status inquiry, cross-selling
          or the offering of the various products and services of the Bank and the Cebuana
          Lhuillier Group, including but not limited to, credit opinion and evaluation by
          and for an entity belonging to the Cebuana Lhuillier Group, or application for insurance
          products with an insurance company within Cebuana Lhuillier Group; (b) compliance
          with legal, regulatory or other contractual obligations of the Bank; and (c) providing
          efficient services, the Client hereby gives its consent to, and authorizes the Bank
          to process, obtain, collect, record, organize, store, update, modify, use, access
          and/or share/disclose within the Cebuana Lhuillier Group and third party service
          providers, with corresponding duty to keep such information confidential, without
          prior notice to the Client, relevant account information/data/opinion pertaining
          to the Client, including but not limited to personal circumstances, privileged information,
          sensitive personal information, account opening, account balances, transaction history,
          promo subscription, redemption records and any and all other information pertaining
          to all account/s now existing or which may hereafter to be opened, which authorization
          shall constitute a consent and shall exempt the Bank and/or the Cebuana Lhuillier
          Group from liability under any and all bank deposit secrecy laws, including but
          not limited to, R.A. 1405 or The Law on Secrecy of Bank Deposits, R.A. 6426 or The
          Foreign Currency Deposit Act and R.A. 8791 or The General Banking Law, as well as
          R.A. 10173 or the Data Privacy Act of 2012 and other confidentiality laws enforced
          or which may hereinafter enforced. The absence of any written notice to the contrary
          shall be deemed by the Bank as the Client’s continuing consent under the bank secrecy,
          privacy and confidentiality laws, as abovementioned. The Client shall notify the
          branch in writing if he /she wishes to withdraw the consent to the sharing of information
          provided herein.
    • • 2. FOR E-MONEY ACCOUNT:
        • • 2.1 PRODUCT FEATURES/ TRANSACTIONS – The 24K Card,
            as an e-Money instrument, is re-loadable. The e-Money may only be redeemed at face
            value. It shall not earn interest or rewards and other similar incentives convertible
            to cash, nor be purchased at a discount. Further, e-Money is not considered a deposit
            account hence, it is not insured with the Philippine Deposit Insurance Corporation
            (PDIC). The e-Money is subject to aggregate monthly load limit of One Hundred Thousand
            Pesos (Php100,000.00) unless a higher amount has been approved by the Bangko Sentral
            ng Pilipinas (BSP).
        • 2.2 FEES, RATES AND OTHER CHARGES –The Client agrees
          to pay applicable fees and charges related to the e-Money Account linked to a24K
          Card or proprietary card that may be issued by the Bank and its use, such as but
          not limited to, remittance, processing, load and encashment fees. Such fees and
          or charges shall be inclusive of Philippine taxes and shall be debited from the
          e-Money cash value or paid upfront without further notice. Applicable fees may be
          found at the Bank’s website www.cebuanalhuillierbank.com
    • • 3. FOR DEPOSIT ACCOUNT:
        • • 3.1 PRODUCT FEATURES/ TRANSACTIONS – Deposits and
            withdrawals shall be made by the depositor and must be secured by the 24K Card or
            other proprietary card issued by CLRB. The Client agrees that no deposit and/or
            withdrawal shall be made in the absence of the 24K Card or proprietary card issued
            by CLRB. The Bank may impose or change transaction and card balance limits at its
            option pursuant to applicable to laws, subject to thirty (30) days prior notice
            to Depositor.Deposits are insured with Philippine Deposit Insurance Company (PDIC)
            for up to the maximum amount of Five Hundred Thousand Pesos (Php500,000.00).
        • • 3.2 FEES, RATES AND OTHER CHARGES – The Client agrees
            to pay applicable fees and charges related to Micro Savings and other deposit accounts
            which may or may not be linked to 24K Card or other proprietary card issued by CLRB
            and its use, such as but not limited to withdrawal. Such fees and or charges shall
            be inclusive of Philippine taxes and shall be debited from the Depositor’s account
            or paid upfront without further notice. Applicable fees may be found at the Bank’s
            website www.cebuanalhuillierbank.com
        • • 3.3 INTEREST – The interest rate on Savings Deposit
            shall be computed on the basis of average daily balance provided the required minimum
            balance for the day, if there is any interest earned shall be credited on a monthly
            basis.A 20% withholding tax shall be withheld and deducted by the Bank from the
            interest income on savings deposit (P.D. 1994).
        • 3.4 TRANSACTION HISTORY STATEMENT – A Statement
          of Account bearing all of the transactions for this account shall be made available
          by the Bank. The Client agrees to receive it through his/her nominated email address
          and/or may be requested thru SMS.
    • 4. MISCELLANOUS PROVISIONS –
      • • 4.1 CLIENT SUPPORT – The Bank is regulated by the
          BangkoSentralngPilipinas (BSP). For any issues, concerns, clarifications, complaints
          or inquiries, the Client may contact the Bank through Cebuana CARES Hotlines via
          the following:
        • Phone      : (02) 7759-9800/(02) 8779-9800
        • SMS        : 0917-81CARES (22737) GLOBE / 0918-81 CARES (22737)
        • SMARTEmail      : [email protected]Address  : 5/F PJL Corporate Center – Annex II, 1782 Nicanor Garcia corner
          CandelariaSts., Brgy. Valenzuela, Makati City 1208
      • • 4.2 AMENDMENTS – The Bank, may at any time and for
          reasons it may deem proper, amend, revise or modify these Terms and Conditions.
          Any such amendment, revision or modification shall bind the Client upon notice (personal
          or by publication, through posting in the Bank’s website or the Bank’s or Cash Agent’s
          premises). If the Client does not agree with the new/revised terms and conditions,
          he/she shall notify the Bank to terminate the agreementwithin thirty (30) days from
          receipt of the individual notice or thirty (30) days from issuance of public notice.
          Failure to notify the Bank within the prescribed period shall be construed as acceptance
          by the Client of any such amendments, revisions or modifications.
      • • 4.3 NOTICE – All communications and notices required
          to be given to the Client shall be transmitted by SMS and/or electronic mail to
          his mobile cellphone number and/or email addressappearing in the Account Opening
          documents or at such other mobile phone number and/or email address that may hereafter
          be given in writing by the Client to the Bank.
      • • 4.4 BINDING EFFECT – These Terms and Conditions
          are binding on the Client and his/her heirs, executors, administrators and assigns.
      • • 4.5 GOVERNING LAW – These Terms and Conditions shall
          be governed by and construed in accordance with the laws of the Republic of the
          Philippines. Any dispute arising hereunder shall be submitted to the exclusive jurisdiction
          of the proper courts of Bacoor, Cavite.