Dear SPS.

GALAGAR,

We are glad to inform you that you have been approved of a home loan amounting
to PHP 1,221,599.42 (79%of the Total Contract Price) payable in 5 years.

The projected monthly amortization is PHP 23,617.00 based on the prevailing interest rate of 6.00%
fixed for 1 year(prevailing interest rate thereafter).

Collateral details: GOLDEN HILLS PANORAMA B-13 L-7 PH-1

Release of loan proceeds via Manager's Check will be payable to the DEVELOPER and the excess (if any)
will be made payable to you.

Please be informed of the following requirements:

1. Email reply/confirmation on your preferred interest rate fixing cycle prior to mortgage loan document
signing:

2. Payment of bank charges prior issuance of the Bank Guarantee to the developer.

Total bank charges as of this date of advice amounting to PhP 32,099.68 (*exclusive of the fire
insurance) with breakdown as follows:

Mortgage Registration Expenses PHP 6,572.00

Documentary Stamp Tax PHP 9,164.00

Miscellaneous Registration Fees PHP 6,500.00

Processing Fee PHP 4,000.00

Credit Life Insurance PHP 5,863.68

Fire Insurance *TO FOLLOW

3. Other post-approval requirements, if any.

Upon booking of your account, you may enjoy the convenience of paying your monthly amortization
through the following options:
1. Over-the-counter (OTC) at any PSBank branch
2. Automatic Debit Arrangement (ADA) by simply opening a PSBank savings account
3. Online Payment using your enrolled deposit account thru PSBank Online Banking

Also, let me introduce you to PSBank Prime Rebate. When you pay your amortization in excess or
advance, guaranteed, you will have your rebate! (Attached file for your reference).

The approved loan is valid until September 14, 2018. Please note that we will have to re-evaluate your
loan application when the approval validity expires. This means it will again undergo credit evaluation.

If you're already amenable to the terms, we'll have your loan documents prepared so we can schedule
the signing. Please feel free to get in touch with me at +63915-6447900 or Ms. Vanessa Gonzales at the
contact details indicated below.

Should there be other requirements needed, we'll inform you as soon as possible.

Thank you and we look forward to continuing to serve you.

Dear SPS. GALAGAR,

As per telephone conversation this afternoon, we will send the mortgage loan documents for your
signature at our PSBank - San Jose Del Monte Branch (near Tungko Church).

Once signed, the loan documents will be sent back to us. Please let us know once your husband is off-
board so we could re-send the loan documents back to the branch for his signature.

I am resending the total bank charges amounting to PhP 35,399.48 (*now inclusive of the fire
insurance) with breakdown as follows:

Mortgage Registration Expenses PHP 6,572.00

Documentary Stamp Tax PHP 9,164.00

Miscellaneous Registration Fees PHP 6,500.00

Processing Fee PHP 4,000.00

Credit Life Insurance PHP 5,863.68

Fire Insurance *PHP 3,299.80