METROBANK MOBILE BANKING and METROBANKDIRECT Terms and Conditions Nature of Facility The Depositor/Cardholder acknowledges that Metrobank

Mobile Banking and/or metrobankdirect, hereinafter, individually and/ or collectively referred to as the Facility, is a privilege which may be availed of for as long as it is offered by Metropolitan Bank & Trust Company (Metrobank or Bank) and/or Metrobank Card Corporation (MCC), and provided that the Depositor and/or Cardholder continue to be qualified under Metrobank and/or MCCs terms and conditions. Account Code refers to the ATM Personal Identification Number (ATM PIN) for Metrobank E.T., Card Verification Code (CVC) or Card Verification Value (CVV) for Metrobank Visa/Mastercard Credit Card, Mobile Personal Identification Number (MPIN) for Mobile Banking, and Customer ID, Password, One Time Password (OTP), and Security Questions and Answers for metrobankdirect. While the Facility is available 24 hours a day, some or all of the services may not be available at certain times due to maintenance, computer, telecommunications, electrical, network failure and/or any other reasons beyond the Banks control. Proprietary Interest The Bank is the sole owner of all the information and materials (including any enhancements or modifications) used in, or derived from, providing the Depositor/Cardholder with the Facility The Depositor/Cardholder recognizes the Banks proprietary interest in the Facility and agrees that: The Facility shall be used only for its intended purpose. The Depositor/Cardholder shall not disassemble, decompile, copy, modify or reverse engineer the software or allow anyone else to do so. Any information relating to the use of the Facility, except those which are of public knowledge, shall not be disclosed to any other party. The Facility shall not be used for remittance/door-to-door operations.

Disclosure If the Bank is served with a subpoena or other legal process in connection with the Depositor/Cardholders relationship with the Bank, then the Bank may comply with such order, including but not limited to the disclosure of the account details of the Depositor/ Cardholder. Security The Bank shall use reasonable efforts to ensure that the Facility is secured and cannot be accessed by unauthorized third parties. However, the Bank does not warrant the security, secrecy or confidentiality of any information transmitted through any network system, or such other equivalent system in any jurisdiction. The Depositor/Cardholder is deemed to have sole access to his accounts through the Facility. The Depositor/Cardholder is responsible for keeping his ATM/Credit Card number and Account Code confidential. For security reasons, the Depositor/Cardholder should change his password and/or PIN regularly. It is strongly suggested that the password and/or PIN must not relate to any readily accessible personal data such as name, birthdate, address or phone number; or an obvious combination of letters and numbers, including sequential numbers (e.g. 123456).

The Depositor/Cardholder shall not disclose his Account Code to any unauthorized person and shall take the necessary steps to prevent the discovery of his Account Code by any unauthorized person. The Depositor/Cardholder shall notify the Bank immediately upon receipt of any data or information through the Facility which is not intended for the Depositor/Cardholder and, when possible, shall delete such data or information from his phone/terminal immediately. The Depositor/Cardholder shall ensure the strict confidentiality of such information. The Bank may terminate access to the Facility should the wrong ATM PIN and CVC/CVV be used three (3) times in one day, or should the wrong password, OTP, and/or incorrect response to Security Questions be made three (3) times in one day. The Depositor/Cardholder shall request for new Account Codes at his depository branch, or call the Banks E-banking Division. Limit on Liability The Bank reserves the right to determine the scope of the Facility, set or change the daily cutoff time, modify, restrict, withdraw, cancel, disconnect, deactivate, suspend or discontinue any or all services without prior notice to the Depositor/Cardholder. The Bank shall not be liable to the Depositor/Cardholder for his inability to use the Facility, for any unauthorized actions or transactions using his Account Code or for any other cause beyond the Banks control, such as but not limited to, problems due to telephone, cable or internet connection interruption or suspension, computer hardware or software (including viruses and bugs) or related/incidental problems that may be attributed to the services provided by any service provider or information service provider. The Depositor/Cardholder shall provide the Bank with a correct and operational e-mail address and mobile number. The Bank shall not be liable for any undelivered e-mail communication or any cost that the Depositor/Cardholder may incur for maintaining an internet access and telecommunications service. The Depositor/Cardholder shall promptly notify the Bank of any change in his email address, contact numbers, home or business address or any other information which may affect communication between the parties. The Bank shall not be liable for any loss or damage in connection with any unauthorized interception or use of data relating to the Depositor/Cardholder or to his account(s), including missending thereof. The Depositor/Cardholder authorizes the Bank to act upon any instruction(s) which is identified by the use of the Depositor/Cardholders Account Code. The Bank shall act only on those instructions sent through the Facility which are actually received and the Depositor/Cardholder agrees that the Bank does not assume any responsibility for malfunctions in the communication facilities not under the Banks control that may affect the timeliness or accuracy of the instructions sent. Upon the Banks receipt of the Depositor/Cardholders instruction(s), the Bank may implement it at the Banks absolute discretion. The Bank shall treat and consider as valid and binding on the Depositor/Cardholder any instruction given by or agreement made through the Facility by any person using the Depositor/Cardholders Account Code, including without limitation, any transfer to a third party account maintained with the Bank. Except for verification of the Account Code, the Bank shall not be obliged to further investigate the authority of the person sending the instructions nor verify the authenticity, accuracy or completeness of such instructions. Such instructions shall be deemed correct, complete, irrevocable and binding upon the Depositor/Cardholder upon the Banks receipt thereof. The Depositor/Cardholder accepts full responsibility for all transactions executed

through the Facility and in particular, in ensuring the accuracy and completeness of his instructions. The Bank shall be entitled but not obliged to verify any instructions given through the use of the Depositor/Cardholders Account Code by e-mail, telephone or any other means. The Depositor/Cardholder agrees that the Bank may, without notice and without stating the reason therefor, cancel or refuse to execute any of the Depositor/Cardholders instructions at any time without incurring any liability. The Bank shall not be liable for any and all liabilities, claims, suits, damages, expenses and/or any other costs that may arise by making available to the Depositor/Cardholder his statement(s) of account from MCC, such as but not limited to erroneous statement(s) of account and access to a statement(s) of account intended for a different person(s). The Depositor/Cardholder agrees to bring up any such omission(s)/error(s) with MCC. The Depositor/Cardholder shall be solely liable for any losses or damages that he may incur: for any discrepancies, omissions, inaccuracies or incorrect entries in his statement that he did not immediately report to the Bank or MCC, as applicable; if he acted fraudulently or negligently, including his failure to properly safeguard his Account Code; if he failed to immediately report any unauthorized transaction(s); if for some reason and without wilful misconduct or gross negligence on the Banks part, his bills remain unpaid and the biller discontinues/cancels his coverage; or if his instruction is not implemented and he fails to promptly report it to the Bank. The Bank reserves the right to suspend the Depositor/Cardholders access to the Facility without prior notice due to mishandling of accounts as defined by the Banks standard operating procedures or, if in the Banks judgement, the Depositors/Cardholders continued access to the Facility may adversely affect the credibility/security of the system. While such suspension may be temporary, the Bank reserves the right to permanently terminate the Depositors/Cardholders access to the Facility. In case of future-dated transactions, the Depositor/Cardholder shall verify if the same has been implemented by metrobankdirect. If not, the Depositor/Cardholder shall notify the Bank immediately. Sharing of Information To avail of the full benefits of the Facility and to enjoy the whole spectrum of services from the Metrobank Group that the Depositor/Cardholder may wish to avail of, the Depositor/Cardholder authorizes the Bank to share information regarding his personal circumstances with the Banks subsidiaries, affiliates, representative offices, agents or other authorized third parties that the Bank may select. Otherwise, the Depositor/Cardholder shall notify the Bank in writing, which must be duly acknowledged by the Banks E-Banking Division, if he does not wish such information to be shared with other entities or persons. Amendment The Bank may amend/supplement this Agreement from time to time without prior notice to the Depositor/Cardholder.

Termination The Bank may terminate this Agreement once the Depositor/Cardholders account is closed, dormant, garnished, escheated or for whatever reason, without the need of prior notice to the Depositor/Cardholder.

Consent to the Terms and Conditions By using the Facility, the Depositor/Cardholder accepts and agrees to be bound by the terms and conditions governing the Facility, including any amendment/supplement thereto, its nature, functionalities and operating features and to pay any applicable fees associated with the use of the same. The Depositor/Cardholder understands that any subsequent enrolment in the Facility shall be covered by the same terms and conditions. The Depositor/Cardholder likewise agrees to be bound by any and all laws, rules, regulations and official issuances applicable to the Facility now existing or which may hereinafter be issued, as well as such other terms and conditions governing the use of other facilities, benefits or services which the Bank may make available to the Depositor/Cardholder in connection with the Facility.