1. ACCESS TO ONLINE SERVICES

1.1 BPI Family Savings Bank shall provide instructions on how to use the online services of bpiloans.com. Access is available to existing and non-existing clients with the use of an internet enabled computer.

1.2 Tools and services of bpiloans.com may be may be accessed seven (7) days a week, twenty four (24) hours a day. However, at certain times, some or all of the bpiloans.com services may not be available due to system maintenance or unexpected downtime.

Information submitted and initiated for processing, through bpiloans.com (such as but not limited to a loan application, or request for loan account information) outside the standard business hours (8:30 AM to 5:30 PM) or during system downtime will be processed the next banking day.

Our banking days are Monday through Friday, except on declared national, local and special non-working holidays.

2. OTHER SERVICES

Clients will be notified from time to time of the new services introduced by BPI Family Savings Bank for bpiloans.com.

3. OTHER AGREEMENTS

3.1 The Bank and other members of the BPI Group of Companies as well as any of their directors, officers and representatives are free and harmless, as well as indemnified, from any and all liabilities, claims, damages, suits of whatever nature, arising out of or in connection with the implementation of this arrangement, including any and all errors inadvertently committed, or any computer-related errors resulting to the Bank's failure process the requests that is undertaken via bpiloans.com. The Bank will not be liable for any losses, resulting from circumstances over which the Bank has no direct control, including, but not limited to, the failure of electronic or mechanical equipment or communication lines or other interconnect problems, severe weather, earthquakes, floods or other similar events.

3.2 The Bank, at its sole discretion, is entitled to act on the instructions received via bpiloans.com. The Bank shall not be liable for acting in accordance with or based on the bpiloans.com service requests and/or instructions through bpiloans.com.

3.3 All terms and conditions of existing loan agreement(s) insofar as not inconsistent herewith shall remain in full force and effect.

3.4 Other particular transactions, products and services are subject to specific terms and conditions that are agreed upon between the customer and the Bank, insofar as they are not inconsistent herewith, or that are applicable thereto from time to time, such terms and conditions shall take precedence.

3.5 For Joint Loan Accounts, it is hereby understood and agreed that request for information to be made via bpiloans.com are deemed done with the consent of all Co-Borrowers.

3.6 This arrangement shall be governed by all applicable rules and regulations of the Banko Sentral ng Pilipinas (BSP).

3.7 The Bank may in the future impose charges on this arrangement within legal and regulatory limits.

4. OTHER AFFILIATE BPI INTERNET-BASED SERVICES

4.1 The tools and services of bpiloans.com have or shall have other affiliate BPI INTERNET-BASED SERVICES.

4.2 Availing and use of such other affiliate BPI INTERNET-BASED SERVICES is governed by the respective terms and conditions of the specific internet-based service availed.