CLASS D

LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

-+

___VP JOSE ENEDICTO G. FAUNE___ ______________________________

Signature Over Printed Name Date
Lending Unit Head

___FVP CHARLOTTE I. CONDE __ ______________________________

Signature Over Printed Name Date
Mindanao Lending Group Head CLASS D
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

________JAYSON
_____JANE LOUISEO.B.IRAN________
MIOLE______ ______________________________
Signature Over Printed Name Date
Loans and Credit Processor

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date CLASS D
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

CLASS D
 COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

_____JEMIMAH KANE C. ESPARES__ ______________________________

Signature Over Printed Name Date
Executive Assistant

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__

Signature Over Printed Name
CLASS
______________________________
Date
D
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

______JOSEF IVAN S. MANILA__ __ ______________________________

Signature Over Printed Name Date
LCP – ASO

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

CLASS D
____PATRICIA MARIE J. RESMA __ _ ______________________________
Signature Over Printed Name Date
Loans and Credit Processor

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

____ANN MYLES L. ZARASATE_ __ _ ______________________________

Signature Over Printed Name Date
Account Assistant

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__

Signature Over Printed Name
CLASS
______________________________
Date
D
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

CLASS D
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

___CHRISTIAN
____CARMELA HARVEY
TERESA C.N. YAP_
WONG___
__ _ ______________________________
Signature Over Printed Name Date
Account
AccountAssistant
Officer

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head

CLASS D
 LAND BANK OF THE PHILIPPINES

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

CLASS D
 COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

____MA. SHIELA RUTH V. VELILLA__ ______________________________

Signature Over Printed Name Date
Account Officer

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__

Signature Over Printed Name
CLASS
______________________________
Date
D
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

____SEAN CHAMBER B. TOMARONG_ ______________________________

Signature Over Printed Name Date
Account Assistant

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES
CLASS D
COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

_____CHRISTINE JOY A. SAYSON__ _ ______________________________

Signature Over Printed Name Date
Account Assistant

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

CLASS D

_____ANTONETTE T. PRADO__ _ ______________________________

Signature Over Printed Name Date
Account Assistant

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

CLASS D

____MARY NHIEL V. PIEDRAVERDE__ ______________________________

Signature Over Printed Name Date
Account Assistant

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

CLASS D

_______HERACLEO M. PEPIO__ ____ ______________________________

Signature Over Printed Name Date
Account Officer

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

CLASS D

____JANWILL RASCHID A. MANTO __ ______________________________

Signature Over Printed Name Date
Account Assistant

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

CLASS D

_____MYLA GAYLE R. MACROHON __ ______________________________

Signature Over Printed Name Date
Account Assistant

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

CLASS D

____DEBORAH ANN T. MACARAEG __ ______________________________

Signature Over Printed Name Date
Account Officer

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

CLASS D

____KARINA LYNDA B. LASCANO_ __ ______________________________

Signature Over Printed Name Date
Account Assistant

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

CLASS D

______KARL IAN S. LAGNAODA_ ___ ______________________________

Signature Over Printed Name Date
Account Assistant

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

CLASS D

______RIKKI JOHN N. JUSTOL _ ___ ______________________________

Signature Over Printed Name Date
Account Assistant

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

CLASS D

________MAY P. JOQUIÑO _ _______ ______________________________

Signature Over Printed Name Date
Account Officer

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

CLASS D

________MARION Q. GALVEZ _ ____ ______________________________

Signature Over Printed Name Date
Account Assistant

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

CLASS D

_______MARLON M. FEROLIN _ ____ ______________________________

Signature Over Printed Name Date
Account Officer

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

CLASS D

______RALPH RHESTER ENCABO____ ______________________________

Signature Over Printed Name Date
Account Assistant

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

CLASS D

___FRANCESCA L. DEL CASTILLO___ ______________________________

Signature Over Printed Name Date
Account Officer

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES
CLASS D
COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

____MAXIMINO G. CANTILA JR._____ ______________________________

Signature Over Printed Name Date
Account Assistant

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES
CLASS D
COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

_____NATHAN JOHN L. CANLAS_____ ______________________________

Signature Over Printed Name Date
Account Assistant

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES
CLASS D
COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

___VANESSA LORRAINE L. BRAVO___ ______________________________

Signature Over Printed Name Date
Account Assistant

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES
CLASS D
COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

______JOSEPH M. BONIFACIO _____ ______________________________

Signature Over Printed Name Date
Account Officer

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES
CLASS D
COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

______LIZA B. BONGHANOY _______ ______________________________

Signature Over Printed Name Date
Account Officer

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES
CLASS D
COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

_______LIELA MAE B. BOHOL ______ ______________________________

Signature Over Printed Name Date
Account Officer

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 LAND BANK OF THE PHILIPPINES
CLASS D
COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

ANNA
_______RESTIE
MARIA CONCEPCION
JAY D. BAJO_______
A. BARTOLOME ______________________________
Signature Over Printed Name Date
Account Officer

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name
Lending Unit Head
Date
CLASS D
 LAND BANK OF THE PHILIPPINES
CLASS D
COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

_____LILIBETH M.
______LILIBETH D.ABREGANA
ALVAREZ_______
_____ ______________________________
Signature Over Printed Name Date
Account
AccountAssistant
Officer

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name
Lending Unit Head
Date
CLASS D
 LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

CLASS D

________EVELYN A. ABAD ________ ______________________________

Signature Over Printed Name Date
Account Officer

_____ERVIEN M. DUMANON________ ______________________________

Signature Over Printed Name Date
LAU Head/LID (For Head Office)

___AVP JOSE ENEDICTO G. FAUNE__ ______________________________

Signature Over Printed Name Date
Lending Unit Head
 CLASS D

LAND BANK OF THE PHILIPPINES

COMPLIANCE CERTIFICATE
ON IMPLEMENTATION OF
BANGKO SENTRAL NG PILIPINAS
(BSP) CIRCULAR NO. 730, s. 2011

We hereby certify that we have received, read and understood the amended rules
and regulations implementing the Truth in Lending Act under Bangko Sentral ng
Pilipinas (BSP) Circular No. 730, s. of 2011 which aims to enhance the loan price
transparency and improve creditor disclosure practices.

We further certify to the best of our knowledge, that we have strictly complied
with the underlying provisions of the Circular particularly the proper disclosure of
all the upfront charges and other deductions collected as well as the comparable
loan interest rate via the Effective Interest Rate (EIR) in the loan disclosure
statement and loan amortization schedule and have likewise provided each of our
Loan Borrowers copies of these duly executed documents.

We understand that non-compliance by BSP regulated entities of the required

disclosures shall be covered by sanctions provided under Section 6 of R.A. No.
3675 (Truth in Lending Act) and that non-compliance with the MORB provisions
shall be covered by Sections 36 and 37 of R.A. No. 7653 (New Central Bank Act).

________EVELYN A. ABAD ________ ______________________________

Signature Over Printed Name Date
Account Officer
_____ERVIEN M. DUMANON________ ______________________________
Signature M.
_____ERVIEN Over Printed Name
DUMANON________ Date
______________________________
LAU Head/LID (For Head Name
Signature Over Printed Office) Date
LAU Head/LID (For Head Office)
___AVP JOSE ENEDICTO G. FAUNE__ ______________________________
Signature Over Printed
G. Name Date
___AVP JOSE ENEDICTO
Lending
Signature OverUnit
FAUNE__
HeadName
Printed Date
CLASS
______________________________
D
Lending Unit Head