ELECTRONIC BANKING ENROLLMENT FORM

(Branch)

NAME OF DEPOSITOR(S) : ENROLLMENT DATE:

MOBILE NUMBER : E-MAIL ADDRESS :

DATE OF BIRTH :
MOTHER’S MAIDEN NAME :

ELECTRONIC BANKING FACILITY : TYPE OF ACCOUNT : ACCOUNT NUMBER:

Mobile Banking Savings Account (SA)
Internet Banking Current Account (CA)
Phone Banking Others, pls. specify

For Phone Banking Use Only

FUND TRANSFER 3rd PARTY F U N D T R A N S F E R
Please list your other accounts with PNB where the funds from Please list 3rd Party PNB accounts where the funds from the above
the above account will be transferred to. account will be transferred to..

ACCOUNT NUMBER ACCOUNT NUMBER ACCOUNT NAME

SA CA SA CA

SA CA SA CA

SA CA SA CA

SA CA SA CA

In case of Joint-OR Accounts, all transactions/requests/instructions by any one of the depositors/accountholders are deemed done with the consent of all co-depositors/co-
accountholders. In case of conflicting requests or instruction by any one of the depositors/accountholders, the Bank shall act on the request/instruction received earlier in time,
without incurring any liability for any delay or inaction with respect to the request or instruction from the co-depositors/co-accountholders received by the Bank at a later time.

Signature of Depositor
Processed by / Date : Approved by / Date : Encoded by / Date:

TERMS AND CONDITIONS GOVERNING THE USE OF THE ELECTRONIC BANKING SERVICE
The following Terms and Conditions apply to the access and use of the Electronic Banking Service of the Philippine National Bank (PNB). By accessing or using this service or authorizing others to access or
use this service, the person/s accessing or using this service hereby agree/s to be bound by these Terms and Conditions without limitation or qualification.

1. ELECTRONIC BANKING SERVICE b. A transaction entailing the use of the PIN shall, in all circumstances and at all times,
a. Electronic Banking Service shall consist of the use of, but not limited to, the following whether with or without the Account Holder’s authorization, be conclusively binding on the
facilities: Account Holder. PNB assumes that the transaction using the PIN is the authorized
instruction of the Account Holder and PNB shall not be liable in case the transaction was
i. Mobile Banking not so authorized.
ii. Internet Banking c. For the security of the Account Holder, PNB shall automatically disable access to the
ii. Phone Banking account in case a wrong PIN is used three (3) consecutive times. In such a case, access
b. “Account Holder” is a depositor of PNB who is currently in good standing as may be to the Electronic Banking Service shall be automatically prohibited. To re-access the
determined in accordance with standards and guidelines as may be imposed by PNB for account or reactivate the service, the Account Holder shall formally request that his facility
the purpose of availing of the Electronic Banking Service. Use of the Electronic Banking access be re-enabled at the Depository Branch.
Service is limited to Account Holder as defined herein. 4. AVAILABILITY OF ELECTRONIC BANKING SERVICE AND TRANSACTION CUT-OFF
c. “Depository Branch” is the branch where the account/s is/are maintained. a. The Electronic Banking Service shall be available to the Account Holder seven (7) days a
week, twenty-four (24) hours a day. However, the Electronic Banking Service may be
2. ENROLLMENT TO ELECTRONIC BANKING SERVICE
interrupted without notice due to maintenance and/or computer, telecommunication,
a. The Account Holder who intends to avail of the Electronic Banking Service shall file an electrical or network failure or for any other reasons beyond the control of PNB.
enrolment form with the Depository Branch, and indicate the accounts (e.g., current b. Although the Electronic Banking Service may be available, the Account Holder
account, savings account, time deposit account, loan account, etc.) which he would like understands that:
to include in the Electronic Banking Service.
i. Banking days are Mondays through Fridays, excluding holidays. Any financial
b. In the event the Account Holder intends to avail of the same Electronic Banking Service for transaction the Account Holder sends thru the Electronic Banking Service shall
additional or other accounts, he shall also formally enroll said additional or other account be processed and value-dated on the same day, unless (1) that day is a non-
in the same manner above. banking day or it was made after the bank’s cut-off time (where financial
c. Activation of the enrolled account/s will take effect twenty-four (24) hours after PNB’s transactions shall be processed on the same day but value-dated the next
receipt and approval of the enrollment form of the Account Holder in his Depository banking day); or (2) transaction is dated at a certain future time;
Branch.
ii. Transactions made through the Electronic Banking Service are subject to PNB’s
d. Upon formal enrollment to the Electronic Banking Service, the Account Holder shall be prescribed cut-off time. Transactions made after the designated cut-off time(s)
assigned his Customer ID or such other means of identification directed by PNB in shall be processed the same day but value-dated the following banking day.
connection with the Account Holder’s enrolled accounts for Phone Banking and SMS
Banking. 5. DESCRIPTION OF SERVICES UNDER THE ELECTRONIC BANKING SERVICE
e. The Account Holder shall assign a six-digit Password Identification Number (PIN) for the a. Inquiries. The Account Holder may inquire the following:
assigned Customer ID in Phone Banking and SMS Banking.
i. Account Balance Inquiry. The Account Holder may inquire on his Available
f. The Account Number, together with the PIN, will be used to access the Account Holder’s
Balance (or the withdrawable balance) and Total Balance of his enrolled
enrolled account/s through the Phone Banking and SMS Banking Services.
savings or current account as of the date and time of inquiry.
3. SECURITY PASSWORD
ii. Transaction History. The Account Holder may inquire on the last three (3)
a. The Personal Identification Number (PIN) shall be for the exclusive use of the Account transactions of his/her enrolled savings or current account within the last
Holder. The PIN shall not be disclosed to any other person under any circumstance. The three (3) months from date of inquiry for Phone Banking. For SMS Banking,
Account Holder shall hold PNB free from any liability arising from access or use of the the last five (5) transactions within the last three (3) months from date of
Account Holder’s PIN by a third person, whether such access or use of the third person inquiry can be seen. For Mobile Banking and Internet Banking, transaction
was with or without authority of the Account Holder. history is up to two (2) months.
 TERMS AND CONDITIONS GOVERNING THE USE OF THE ELECTRONIC BANKING SERVICE (cont.)

iii. Time Deposit Inquiry. The Account Holder may inquire into the placement
details of his enrolled time deposit account for Internet and Mobile Banking.
iv. Loans Inquiry. The Account Holder may inquire into the details of his enrolled
loans account/s maintained with PNB for Internet and Mobile Banking.
b. Checkbook Requisition. The Account Holder may request checkbook/s thru Phone
Banking, Internet Banking and Mobile Banking for his deposit account/s. For this
purpose, the Account Holder hereby authorizes PNB to debit his/her deposit account,
without need of notice, for the cost of checkbook/s requested.
The checkbook/s requested through Phone and Mobile Banking Service shall be available
for pick-up at the Depository Branch, three (3) weeks from date of reorder. However,
checkbook/s requested thru Internet Banking can be picked up at the Depository Bank or
other PNB branches nominated by Account Holder nationwide. PNB reserves the right to
request for valid identification of the Account Holder or a letter of authorization from
Account Holder’s representative picking up the re-ordered checkbook.
6. SERVICE CHARGES
PNB reserves all rights to charge a fee for the use of the Electronic Banking Service,
including any service provided therein, and the Account Holder hereby authorizes PNB to
debit his deposit account for the amount of service charge for the use of the service. PNB
also reserves the right to impose new service and maintenance charges and change
existing charges within the limits allowed by the law. The rate of such charges, period and
method of payment shall be based on PNB’s announcement which shall be binding to and
payable by the Account Holder if the Electronic Banking Service is still being
retained/availed of and/or used after the announcement whether the Account Holder has
knowledge of the announcement or not.
7. CANCELLATION OF ELECTRONIC BANKING SERVICE
PNB reserves the right to cancel, terminate, or suspend the use of the Electronic Banking
Service granted to the Account Holder for any reason, including, but not limited to,
improper handling, zero account balance, or violation of these Terms and Conditions.

PNB reserves the right to reject checkbook requisition for deposit account that is
disqualified for checkbook issuance, or for any other reason as may be determined by
PNB.
8.
c. Fund Transfer. The Account Holder may transfer funds from his enrolled current/savings
deposit account to another of his enrolled current/savings deposit account.
The Account Holder shall indicate the account number of the enrolled deposit account to
which the funds shall be transferred. PNB shall rely only on the account numbers given or
entered by the Account Holder. The Account Holder shall accept full responsibility for
any errors in providing the account number, amount to be transferred, or any information
related to the fund transfer transaction submitted to the Electronic Banking Service.
Any transfer of funds made through the Electronic Banking Service shall be deemed final
once the system has successfully executed the instruction/transaction.
Request for transfer of funds through the Electronic Banking Service made by the Account
Holder and received by PNB before the bank cut-off time shall be processed on the same
banking day. Request for transfer of funds received by PNB after the bank cut-off time
shall be considered transaction of the following banking day.
The Account Holder may cancel or terminate his access or use of the Electronic Banking
Service by accomplishing a cancellation form at his Depository Branch.
OTHER AGREEMENTS
a. If the Account Holder consists of more than one person (i.e. as in the case of joint
“and/or” accounts), each and every account holder shall be jointly and severally
responsible for all transactions involving the use of the Electronic Banking Service
and the terms and conditions herein shall be jointly and severally binding on each
and every one of the account holders.
b. PNB reserves the right to deny, reject, or refuse to grant, act on, or execute a
request, instruction, or transaction of the Account Holder for the processing of the
services provided under the Electronic Banking Service for any reason determined
by PNB, including but not limited to, disqualification of the account for such service.
c. The Account Holder shall accept full responsibility for all transactions made through
the Electronic Banking Service with or without his knowledge or authority, and shall
accept PNB’s record of transactions as conclusive and binding for all purposes.

Only cleared and withdrawable balances of the enrolled accounts shall be considered for
fund transfer. In case of insufficient funds in the enrolled account, the request for fund
transfer will automatically be cancelled, without need of prior notice. PNB shall have no
obligation or liability if it does not complete a transfer due to insufficiency of funds in the
enrolled account of the Account Holder.
The Account Holder shall hold PNB and/or any of its directors, stockholders, officers or
representatives free and harmless from any liability, damage, causes of action and the
like for failure to effect fund transfer under this arrangement due to causes not attributable
to it or beyond its control, including causes due to offline condition or when the Electronic
Banking Services becomes in operational due to any reason, or in cases of natural
disasters or calamities, fortuitous events, force majeure and unforeseen events or
emergencies.
d. Bills Payment. The Account Holder may pay bills charged by participating payee
institutions/merchants enrolled with the Electronic Banking Service.
In accepting bills/merchandise/service payments, PNB merely acts as the conduit of the
Account Holder and the payee institution/merchant. The Account Holder agrees that any
complaint/protest relative to billing statements of the payee institution/merchant, including
discrepancies between the billing amount and the paid amount, shall be taken up directly
by the Account Holder with the said payee institution/merchant.
Only cleared and withdrawable balances of the Account Holder’s enrolled deposit
accounts shall be considered and available for bills payment. In case of insufficient funds,
the payment request will be automatically cancelled by PNB, without need of prior notice.
Payments made after bank cut-off time shall be considered payments for the following
banking day.
The Account Holder authorizes PNB to disclose to any of the payee institution/merchant
any matter pertaining to the account as may be necessary for the operation of this Bills
Payment arrangement. For this purpose, PNB is hereby held free and harmless from any
and all liabilities, claims, demands, suits of whatever nature, arising out of or in
connection with such disclosure.
The Account Holder assumes responsibility for ensuring that payments are for current/due
bills only. Payments for billings that are past due, overdue, or beyond the deadline for
payments, with notice of service disconnection/termination of contract or lapse of
policy, shall be made directly to the collection office of the payee institution/merchant.
PNB shall not be held liable for any adverse actions/consequences instituted by the
payee institution/s and/or individual/s for payments made on overdue or past due
accounts, including payments for service disconnection, termination of contract, lapse of
policy and/or the like.
The Bills Payment arrangement between PNB and any of its affiliated payee
institutions/merchants may be cancelled at any time by either party without any written
prior notice of termination to the Account Holder. The Account Holder shall notify PNB of
any and all changes in the list of payee institution/merchants he enrolled with the
Electronic Banking Service.
PNB shall not be liable for any action that may arise between the payee
institution/merchant and the Account Holder. The Account Holder hereby agrees to hold
PNB free and harmless from any and all losses, claims, damages, liabilities, etc. for
consequences as a result of any delayed payment by the Account Holder, or for
discrepancies between billing amount and paid amount.
d. The Account Holder agrees that the use of the Electronic Banking Service is at his
own risk and shall assume all risks, errors, omissions and delays incidental to or
arising out of the use of the service.
e. PNB will not be liable for any losses resulting from circumstances over which it has
no direct control, including, but not limited to, the failure of electronic or mechanical
equipment or communication lines or other interconnection problems, severe
increment weather, earthquakes, floods or other such events.
f. PNB does not warrant the accuracy, adequacy or completeness of the information
and materials provided under the Electronic Banking Service, and expressly
disclaims liability for errors or omissions in this information and materials.
g. PNB does not warrant or represent that access to the whole or part of this Electronic
Banking Service, or information and/or functions herein will be provided
uninterrupted or free from errors or free from unauthorized third party interception or
that any identified defect will be corrected, or that there will be no delays, failures,
errors, omissions, or loss of transmitted information, or that no viruses or other
contaminating or destructive properties will be transmitted or that no damage will
occur to the computer or mobile system of the Account Holder.
h. PNB, including its directors, stockholders, officers, and/or representatives, shall in no
event be liable for any loss or damages howsoever arising whether in contract or
any other basis, including without limitation, actual, consequential, temperate,
nominal, or other damages, or loss of profits or savings arising in connection with
the access or use or the inability to access or use the Electronic Banking Service, or
reliance on the information contained herein, or for any technical, hardware or
software failure of any kind, or the interruption, error, defect, omission, delay in
operation or transmission, computer viruses or line or system failure, even if PNB is
advised of the possibility of such damages, loss or expenses.
i. The failure of PNB to exercise or enforce any right or provision of these Terms and
Conditions shall not constitute a waiver of such right or provision.
j. PNB hereby reserves the right to amend the foregoing Terms and Conditions as it
may deem necessary for the best interest of PNB and the Account Holder. The
amended terms and conditions shall be communicated to the Account Holder
through mail, e-mail and/or by posting notice of such amendment in any
conspicuous place at the offices of PNB or in such form or manner determined by
PNB. Retention of the Electronic Banking Service constitutes acceptance of these
Terms and Conditions and subsequent amendments thereof.
k. In case of conflict between these Terms and Conditions in the Electronic Banking
Service and the terms and conditions governing the relevant transaction/s,
product/s, and/or service/s provided herein, the latter will prevail. All terms and
conditions of the Account Holder’s existing deposit account with PNB insofar as not
inconsistent herewith shall remain in full force and effect.
l. If any part of these Terms and Conditions is determined to be unconstitutional,
invalid or unenforceable pursuant to applicable law by a court of competent
jurisdiction, the other provisions of the Terms and Conditions not so declared to be
unconstitutional, invalid or unenforceable shall continue to be in full force and effect.
m. Any legal action arising under or by virtue of these Terms and Conditions shall be
brought only and exclusively in the proper courts of Metro Manila and by accessing
or using the Electronic Banking Service, the Account Holder irrevocably submits to
the jurisdiction of such courts.

CONFORME

Signature over Printed Name of Depositor

Form 2057 (Rev. Jan2017)