PRODUCT FEATURES SPECIAL PROVISIONS FOR REVOLVING CREDIT LINE CLIENT’S CONSENT/AUTHORITY AND WAIVER OF CONFIDENTIALITY/PRIVACY OF PERSONAL

AND OTHER INFORMATION FOR THE BANK’S LEGITIMATE PURPOSES/NEEDS,

PSBank Home Loan with Prime Rebate 1. Credit Line or Credit Limit and Purpose – PSBank shall make the Credit Line available to Client AND TERMS AND CONDITIONS OF LOAN APPLICATION/APPROVAL
for a period of one (1) year from date of the agreement. PSBank shall at its sole discretion
PSBank Home Loan with Prime Rebate is a Term Loan. determine the conditions and have the right to reduce, increase or cancel the line.
Loan Range: Minimum of PhP500,000 up to a maximum of PhP25,000,000 or up to 80% of the property's appraised 1. The undersigned loan applicant/borrower (hereinafter the “Client” regardless of number) certifies the
value. 2. PSBank Revolving Credit Line Current Account – This is solely for the purpose of drawing on correctness of all the personal, sensitive, privileged, financial, and other information (collectively referred to
Terms: Up to 10 years for residential lot purchase. Up to 25 years for house and lot, townhouse, duplex, or condo, the loan Line and making payments thereunder. hereinafter as “Information”) provided by him in this Home Loan Application Form, and in the course of his loan
depending on the loan purpose. application with Philippine Savings Bank (the “Bank”), including the information which may be obtained from
Interest Rate: Prevailing Home Loan rate at the time of loan approval. 3. Access to Credit Line – Client may draw on the Credit Line either by issuance of Revolving his income tax returns, financial statements, credit transactions and all other documents (”Supporting
Prime Rebate Feature: PSBank Prime Rebate: Allows clients to get a “discount” on his/her loan when he/she makes Credit Line checks, withdrawals from the Revolving Credit Line Current Account thru the use of Documents”) submitted to the Bank in support of his loan application.
advance and/or excess payments on his/her monthly due. ATM card, or other means as PSBank may authorize. PSBank may impose limits per transactions.
Example: • Advance Payment: When client pays before his/her loan’s monthly due date, he/she earns 2. In providing the Information and related Documents to the Bank, the Client hereby authorizes the Bank,
a rebate on a daily basis from the day his/her payment was posted to the day before his/her 4. Availment Limit – Client shall not make any availment in excess of the Available Credit Line. PSBank without need of prior notice, to receive, use, process, store, make profile, and/or share to any of its affiliates
loan’s due date. shall have the right to refuse the intended availment without need of notice. In case of excess and/or subsidiaries within the Metrobank Group, or its agents or service providers, or third parties which
• Excess Payment: When a client pays in excess of the amount required on his/her due date, availments, the same shall be, without need of notice, be immediately made due and payable plus provide related services or have contractual obligations with the Bank, or any government agency/regulatory
he/she will earn a rebate on a daily basis from the date of posting up to the day before the interests and charges, if any. body/branch, which in turn is/are authorized to receive the Information, relevant account
next due date. information/data/opinion pertaining to the Client, and any and all other information pertaining to Client’s loan
5. Payments - Client shall immediately make payments to cover the minimum amount due including excess account/s now existing or which may hereafter to be opened, whether or not secured, for the following
PSBank Home Construction Loan availments, past dues, penalties, DST, interest for the period, and service charges, if any. purposes: (a) in order to commence and facilitate the efficient delivery, administration, operation, and/or
implementation of loan and other products and services of the Bank; (b) for the protection of the Client or the
PSBank Home Construction Loan is a revolving credit line for the purpose of construction. At the end of the 6. Payment Due Date – PSBank shall set the Payment Due Date within a specific number of days from Bank against fraudulent, unauthorized, or illegal transactions; (c) in the validation, verification, and/or updating
construction period, the applicant may opt to continue with his/ her current loan set-up or convert it to a term the end of billing period as indicated in the Statement of Account. of the Information and related Documents; (d) in order for the Bank to enforce its rights or perform its
loan. obligations by reason of any law, rules and regulations, contract, or orders from any court or quasi-judicial and
Revolving Credit Line Term Loan 7. Statement of Account – PSBank shall send the Statement of Account (SOA) to Client after each
billing or cut-off period. The SOA shall be final and conclusive against Client unless he/she expresses administrative offices with corresponding duty to keep such information confidential in accordance with the
Maximum Loan Amount 80% of the project's appraised value or a 80% of the project's appraised value or a Bank’s Data Privacy Policy; (e) in the prosecution or defense of the Bank or its directors/officers/employees with
maximum of PhP5 million maximum of PhP25 million disagreement through a letter to PSBank within 30 days from the billing period stated in the SOA. regards to disputes or claims pertaining to the products and services of the Bank; and (f) in order for the Bank,
Terms: After the construction If the choice of financing is Revolving Credit If the choice of financing is a Term Loan 8. Renewal of Credit Line or Conversion to Term Loan – PSBank may opt to renew the Credit Line for its affiliates and/or subsidiaries within the Metrobank Group to offer or provide other related products and
period, clients may opt to retain the Line after the construction period, the term after the construction period, the term another year or convert the same to a Term Loan upon notice to Client. services to the Client, including but not limited to cross-referencing, cross-selling, status inquiry, making credit
loan as revolving credit line or will be: one-year, renewable every year, will be up to 25 years.
opinion and evaluation.
convert to a term loan, based on subject to the Bank’s renewal criteria. 9. Cancellation of Credit Line – Upon cancellation or expiration of the Credit Line, the Available Credit
their chosen payment scheme at Line and PSBank Revolving Credit Line Current Account shall be automatically closed. Client shall In granting the above authorities, the Client hereby waives his rights to confidentiality and privacy of the
the time of loan application. immediately pay the entire outstanding balance and surrender to PSBank all unused check/s and the Information and such other rights as may be provided under Republic Act (RA) No. 1405 (Law on the Secrecy of
ATM card issued. PSBank may, without need of notice or demand, exercise the remedies stated in the Bank Deposits), RA No. 6426 (The Foreign Currency Deposit Act), RA No. 8971 (General Banking Law of 2000),
Interest Rate a.) Based on the prevailing interest rate a.) Based on the prevailing interest rate Consequences of Default. RA No. 10173 (Data Privacy Act of 2012), or all other applicable laws, which may be in conflict with the Bank in
during the one-year construction period. during the one-year construction period. carrying out the said authorities.
Current interest rate will apply upon your Current interest rate will apply upon your For your reference, the complete Terms and Conditions are provided in the Loan/Mortgage Agreement.
line set-up and for each quarterly re-pricing line set-up and for each quarterly 3. The Client understands that the Bank may disapprove his loan application, revoke prior loan approvals, or
date. re-pricing date. FEES AND CHARGES terminate existing loan availments on the ground of misrepresentation and/or concealment of the Client’s
b.) Upon conversion to a term loan, interest Information, whether willful or not, without prejudice to any other legal remedies that the Bank may take.
b.) Upon renewal of the one-year credit rate will be priced using the prevailing A.) BOOKING FEES AND CHARGES:
line, interest rate will be re-priced monthly booking Home Loan rate depending on 4. The Client understands that the approval of his loan application shall be at the sole discretion of the Bank,
using the prevailing Home Credit Line rate. your chosen payment scheme. APPRAISAL & TITLE PhP5,000 per title (waived if acquiring from an accredited developer of the Bank) and subject to:
HANDLING FEES a) The Bank’s existing credit policies and procedures on its Home Loan Facility;
Outstanding Balance Based on the Actual/Outstanding Based on the Aggregate/Total PROCESSING FEE Fixed fee of PhP4,000 (Term Loan), PhP5,000 (Credit Line) b) Existing rules and regulations of the Bangko Sentral ng Pilipinas;
Availments Availments subject to conversion to a c) Payment by the Client of all fees and charges relative to the processing of his loan application;
term account DOCUMENTARY STAMP TAX PhP1.50 for every PhP200 and a fraction thereof d) Submission by the Client of all documentary requirements and compliance with all other
Credit Life Insurance from AXA Philippines to cover the full amount of the loan or conditions imposed by the Bank for the approval of his loan application as prescribed under
PSBank Home Credit Line CREDIT LIFE INSURANCE at a maximum coverage of PhP8 million. (For borrowers 18-45 years old) or PhP7 existing Bank credit policies or those that may be prescribed by the Bank’s Legal Department;
PSBank Home Credit Line is a loan product designed for clients who want to renovate their homes or refinance loans. million (for borrowers 46-64 years old), whichever is lower. e) The terms and conditions of the Loan/Mortgage Agreement and this Loan Application Form.

PSBank
MORTGAGE REGISTRATION Cost of annotation of Real Estate Mortgage and Register of Deeds fees
Loan range: - Minimum of PhP500,000 but not to exceed PhP5,000,000 EXPENSES In case of disapproval of the Client’s loan application, the Bank shall not be obliged to disclose the reason/s for
- House and Lot or Townhouse = Up to 70% of the property's appraised value MISCELLANEOUS FEES Service providers' fees + notarial fee of PhP500 such disapproval.
- Condo unit, Duplex or Vacant Lot = Up to 60% of the property’s appraised value CANCELLATION FEES Cost of cancelling previous mortgage and/or other liens, encumbrances (if any) 5. The Client authorizes the Bank to send updates about the Client’s loan application via SMS/text, email, mail
Interest rate: Prevailing Home Credit Line rate at the time of loan approval For Construction Loans, contractor's all-risk insurance coverage will be required or other means of communication.

Home Loan
FIRE INSURANCE/ upon reaching 30% project completion.
HIGHLIGHTS OF TERMS AND CONDITIONS CONTRACTOR'S *Fire insurance coverage may be coursed thru Charter Ping An Insurance 6. The Client‘s loan application may be withdrawn or cancelled at any time prior to booking, without incurring
ALL-RISK INSURANCE Corporation or an accredited insurance provider of the Bank. (not applicable if additional charges. The Client shall course all complaints or concerns, if any, at the Bank’s Customer Experience
1. Events of Default - Each or any of the following shall constitute an event of default. collateral is a vacant lot) Group or Indirect Mortgage Channel Division.
a.) Client fails to pay the amortization amount or minimum amount due and any excess B.) POST-BOOKING FEES AND CHARGES:
availments including fees and charges (under Revolving Credit Line); 7. The Loan Application Form and all Supporting Documents shall remain the Bank’s property and the same
DUE DATE EXTENSION FEE may be used in accordance with the above-mentioned paragraph no. 2 of the terms of this Home Loan
b.) Client incurs default on any other obligations, loans, advances and other accommodations to Due date extension fee is computed as: Application Form at the Bank’s discretion whether the loan is granted or not.

Prime Rebate
the Bank, whether for the Client’s own account, the obligation be direct or indirect, or as a (accrued interest from old due
principal or co-maker; date to new due date)
Outstanding Balance x Rate x number of days / 360
A certification fee of PhP50 shall be charged plus a notary fee of PhP300 if
with
c.) Client violates any of the T&C of the agreement; SERVICE FEE FOR
d.) Bank cannot register the Real Estate Mortgage with the Register of Deeds for failure of Client to CERTIFICATE OF MORTGAGE Certificate of Mortgage is notarized. Signature of Applicant Signature of Spouse
sign or deliver the required documents; ADVANCE PAYMENT Subject to the payment of all amount due and the corresponding accrued interest
e.) Proceedings for voluntary or involuntary bankruptcy, insolvency, or suspension of payments are TO PRINCIPAL from last due date up to payment date computed as follows: Advance payment Date Date
filed or instituted by the Client; (after due date) amount x Rate x number of days (from last due date to payment date) / 360
f.) An application for any order of garnishment, attachment, sequestration and the like is filed AMENDMENT FEE FOR TERM PhP5,000 shall be charged for amendments pertaining to shortening of terms Signature Verified, Authenticated,
against Client’s property/ies; SHORTENING WITHOUT and Witnessed by:
g.) Any misrepresentation of Client entering into agreement; without advance payment.
ADVANCE PAYMENT
h.) Client dies or becomes incapacitated or insolvent or a guardian/administrator is appointed over LATE SUBMISSION FEE
his person or properties; Automatic Debit Arrangement Account Number
OF INSURANCE POLICY
i.) The loan proceeds were used by the Client for a purpose other than the intended purpose RENEWAL (credit life and fire)
approved by the Bank; FOR PSBANK USE ONLY

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31 - 44 DAYS FROM PhP200 shall be charged for late submission of insurance policy renewal
j.) The Bank have reasonable grounds to believe that Client may not be able to perform it EXPIRY DATE
obligation under the agreement. 45 - 59 DAYS FROM Documentary Stamp Tax (DST) shall be charged (applicable for Fire Insurance only) Sales Channel Branch Direct Developer Sales Desk Others
2. Consequences of Default - In case of default, the Bank may, without need of notice or demand, EXPIRY DATE
exercise any or all of the following remedies. 60 DAYS AND BEYOND Short Rate or Used Portion Charge (which varies per premium amount and
a.) Dishonor any PSBank Revolving Line Check/s; inclusive period) shall be charged If branch-referred: Branch Name Branch Head
b.) Cancel/freeze/suspend the Credit Line, the Line Current Account, and Loan account that 3% per month or a fraction thereof shall be added on each unpaid installment
will prevent Client from getting further credit from the Bank; LATE PAYMENT PENALTY FEE from its due date until fully paid.
If from Developer: Agent / Broker % of NSP/TAV/TCP
c.) Consider the outstanding balance (including interest, fees and charges) immediately due In case of litigation, borrower shall pay an additional sum equal to 25% of all

PSBank
and demandable; ATTORNEY’S FEES AND amount outstanding (but not less than PhP5,000) as attorney’s fees and the further
LIQUIDATED DAMAGES sum of 10% (but not less than PhP1,000) as liquidated damages, in addition to cost IMC - Indirect Mortgage Channel Officer
d.) Convert the Revolving Line into a Term Loan at the option of the Bank;
e.) Reduce the approved Credit Line; and other expenses of litigation.
Sales Desk Account Officer
f.) Foreclose the real estate mortgage/ property; NOTARY FEE FOR RELEASE A notary fee of PhP300 shall be charged for the release of Cancellation of Real For construction and renovation needs,
g.) Exercise the right of offset and/or legal compensation. OF CANCELLATION OF Interest Rate
Estate Mortgage.
3. Customer Complaints, Concerns and Other Queries – In case of complaints, concerns and other queries REAL ESTATE MORTGAGE Home Construction LoanP Hand
I L I PHome Credit
P I N E S AV I N G SLine
BANKare also available.
regarding PSBank Home Loans, the Client may contact the Bank's 24/7 Customer Experience Hotline at EARLY SETTLEMENT FREE OF CHARGE Metrobank Group
(02)845-8888; text (63)998-8458888; or e-mail at customerexperience@psbank.com.ph. The Client can also PROCESSING FEE Developer Coordinator (code)
get in touch with the Bank via the PSBank LiveChat by visiting www.psbank.com.ph. Note: All aforesaid fees and charges will take effect immediately and may be cancelled or modified anytime at the Bank’s sole discretion. The Bank may
impose other fees and charges incidental to the loan provided with prior notice to Client.
 Thank you for choosing PSBank Home Loan. Please completely fill out this application form or put N/A If OFW, please state:
on fields that are not applicable to you. All fields marked with asterisk (*) are mandatory fields. Application
INFORMATION OF BORROWER Employment base: Land Sea Air STATEMENT OF INCOME AND EXPENSES*
Country of destination
with incomplete information will not be processed. Please print your answers using BLACK ink only. Applicant Spouse Total
*Name (Last name, First name, Middle name) Mr. Ms. Mrs. Sr. Jr. Others
Dependents Gross Monthly
Are you an Existing If yes, what PSBank product do you have? For this loan application, I am the: PhP PhP PhP
No. of Dependents Income
PSBank Client? Deposit Auto Loan Borrower *Nationality Gross Monthly
*Gender Male *Civil Status Single Legally Separated 1. Name Age PhP PhP PhP
Yes Home Loan Business Loan Co-borrower / Co-maker Filipino Expenses
Female Married Widow / Widower School Level
No Personal Loan Co-mortgagor Net Monthly
*Birthdate (mm/dd/yy) Age *Birthplace Others Type of School Public Exclusive Private Coed PhP PhP PhP
Income
ABOUT THE LOAN YOU WISH TO AVAIL 2. Name Age
STATEMENT OF ASSETS AND LIABILITIES*
Residency Resident *Tax Identification No. SSS / GSIS No. School Level
Home Loan Product Type of School Details Amount /
Non-Resident Public Exclusive Private Coed ASSETS (Name of Bank, Etc.) / Type / Description Estimated Value
Home Loan Loan Term Rate Fixing*
Educational Attainment Cash on Hand
Buy a lot (acquisition) Elementary High School College Undergraduate Vocational Postgraduate INFORMATION OF SPOUSE and with Banks PhP
Buy a condominium (acquisition) *Name (Last name, First name, Middle name) Mr. Ms. Mrs. Sr. Jr. Others Real Estate
*Present Address (House No./ Floor/ Unit No./ Block No./ Lot No./ P.O. Box No./ Bldg./ Apartment Name/ Street Name/ Village/ Property/ies PhP
Buy a lot with improvement (acquisition) Subdivision/ Phase/ Barangay/ Barrio/ Municipality/ Province/ City/ Zip Code/ Country)
Buy a PSBank acquired property (acquisition) Motor PhP
Vehicle/s
Buy a property that is currently mortgaged (acquisition / refinancing) *Maiden Name (Last name, First name, Middle name)
Others PhP
Buy a lot and build a house on it (acquisition / construction)
Construct a house on a lot I own (construction) TOTAL ASSETS PhP
Home Ownership
Transfer my existing housing loan (refinancing) *Gender Male *Civil Status Single Married *Nationality
Owned
Construct a house on own lot that is currently mortgaged (refinancing / construction) Female Legally Separated Widow / Widower Filipino LESS: Monthly Outstanding
Mortgaged to Amort./Mo. PhP Bank
(Bank or Financial Institution) *Birthplace *Mobile No. Others LIABILITIES Amortization Balance
Get extra cash (equity) for Renovation Others *Birthdate (mm/dd/yy) Age
Rented from Rent / Mo. PhP Personal / Salary Loan
Home Credit Line (Landlord’s Name and Contact No.) PhP PhP
Transfer my existing housing loan (refinancing) Living with Parents / Relatives Educational Attainment *Tax Identification No.
Elementary College Vocational Car Loan
Length of Stay Your preferred mailing address: Loans PhP PhP
Get extra cash (equity) for Renovation Others
Years Months Residence Office Address Business Address High School Undergraduate Postgraduate SSS / GSIS No.
Home Construction Loan Housing Loan
*Residential Telephone No. (For non-Metro Manila, please indicate the area code) Employment PhP PhP
If Home Construction Loan, choose a payment scheme after the 1st year.
Principal and Interest - Loan Term Rate Fixing* *Mobile No. *Email Address Source of Income
Locally Employed OFW Immigrant OFW Non-Immigrant Unemployed Others Credit Card Company
Interest only - Line renewable yearly
*Mother’s Maiden Name Private Private Private Remittance / Allottee
Loan Amount PhP Card Number
Government Government Government Pension / Retired PhP
*No. of years you want a fixed rate. *Previous Address (House No./ Floor/ Unit No./ Block No./ Lot No./ P.O. Box No./ Bldg./ Apartment Name/ Street Name/ Village/ Self-employed Self-employed Self-employed Not Working Expiry Date
Subdivision/ Phase/ Barangay/ Barrio/ Municipality/ Province/ City/ Zip Code/ Country)
ABOUT YOUR COLLATERAL Student
If employed, please state: Credit Credit Limit
Classification Residential Others *Permanent Address (House No./ Floor/ Unit No./ Block No./ Lot No./ P.O. Box No./ Bldg./ Apartment Name/ Street Name/ Village/ Company Name Card
Subdivision/ Phase/ Barangay/ Barrio/ Municipality/ Province/ City/ Zip Code/ Country) Position in the Company Credit Card Company
TCT / CCT No. Registered Owner / Developer Office Address
Non-Officer
Card Number
Nature of Business Jr. Officer
Employment PhP
Job Title Supervisor Expiry Date
Source of Income Middle Manager
Locally Employed OFW Immigrant OFW Non-Immigrant Unemployed Others Length of Stay Years Months Credit Limit
Project Name Net Selling Price / Total Contract Price Sr. Officer
Private Private Private Remittance / Allottee Office Phone / Fax No.
PhP Others PhP
Government Government Government Pension / Retired If in business or in practice of profession, please state: Status of
Parking Slot (if any) Drying Area (if any) Business Name Employment
Self-employed Self-employed Self-employed Not Working
Business Address Permanent TOTAL LIABILITIES PhP
Student
Location If employed, please state: Nature of Business / Work Probationary
Length of Operation Years Months NET WORTH PhP
Bldg./ Apartment Name/ Street Name Company Name Contractual
House No./ Floor/ Unit No./ Block No./ Lot No. Office Phone / Fax No. *as required by the Bangko Sentral ng Pilipinas under BSP Circular 622
Office Address Position in the Company
Non-Officer
Name of Previous Employer / Business
SOURCE OF PRODUCT INFORMATION
Village/ Subdivision/ Phase/ Barangay/ Barrio Nature of Business Jr. Officer How did you learn about PSBank Home Loan with Prime Rebate?
If OFW, please state:
Job Title Supervisor Country of destination Employment base: Land Sea Air TV / Radio Website Direct Mail
Length of Stay Years Months Middle Manager WORK / BUSINESS / PERSONAL REFERENCES Newspaper / Magazine Flyer / Poster / Streamer Email SMS
Municipality Office Phone / Fax No. Sr. Officer Work / Business Reference PSBank Personnel Name
If in business or in practice of profession, please state: Status of Name PSBank Client Name
Business Name Employment Address Accredited developers Name
Province Zip Code Business Address Permanent Relationship Contact Number/s Others, pls. Specify
Nature of Business / Work
Probationary Personal Reference
Length of Operation Years Months
Name
DO YOU HAVE A RELATIVE WORKING IN PSBANK?
Intended use Contractual
Office Phone / Fax No. Yes If yes, please state:
For owner occupancy Owner-occupied Not for occupancy Address
(To be occupied by owner) (Currently occupied by owner) Name of Previous Employer / Business Relationship Contact Number/s No Name Relation
rev. May 2018