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In the case of deposit in trust such as the "In-Trust- For" Account ( ITF Account ), you hereby agree that the owner of the funds is the individual for whose benefit the ITF Account is opened and that you are merely holding and operating said account in trust for such owner.If any of these Terms and Conditions or its modifications, additions, revisions, amendments or supplements thereto is declared to be invalid or unenforceable, the remaining portions or provisions thereof shall remain in full force and effect.- The Terms and Conditions herein shall be governed by and construed in accordance with the applicable laws of the Republic of the Philippines and by the Bank’s by-laws, regulations and practices which shall be brought to your attention by publication, display, advertisement, posters including posting on the Bank’s website or otherwise, by electronic mail, facsimile transmission or by such other electronic transmission including short messaging service or similar means of delivery and you submit to the non-exclusive jurisdiction of Philippine courts.All circulars, rules and regulations and guidelines of Bangko Sentral ng Pilipinas (BSP), Philippine Deposit Insurance Corporation (PDIC), Anti-Money Laundering Council (AMLC) and such other regulatory bodies on, among others, deposit accounts/investment placements shall form part of and shall be deemed incorporated by reference into these Terms and Conditions.- Interest on your Accounts will be calculated based on such Accounts' daily balance provided that your balance does not fall below the required balance to earn interest.Interest earned shall be credited according to the Bank-determined interest rate as are/will be reflected on the pricing and rates advisories and as the same may be amended, revised, updated and/or supplemented from time to time.TERMS AND CONDITIONS BANK OF THE PHILIPPINE ISLANDS PRODUCTS, SERVICES, FACILITIES AND CHANNELS I.

The Bank is hereby authorized to effect any adjustments on what has been credited to/debited from the Accounts to, among others, correct any error or mistake committed, without need for any further instrument, deed, consent or authorization.The terms "you" and/or "your" shall refer to the accountholder(s) of any of the Bank of the Philippine Islands or BPI Family Savings Bank, Inc. or any member of the BPI Unibank or any of its subsidiaries and affiliates.The terms "Account" and/or "Accounts" shall refer to each account or such account(s), product(s), service(s) or facility(ies) of the Bank which you opened and/or availed pursuant to these Terms and Conditions. TERMS AND CONDITIONS – You agree that any current, savings, time deposit and/or other accounts (whether in local or foreign currency) which you opened and/or maintained with the Bank, shall be considered as part of the Bank’s Accounts, products, services and facilities, which may be accessed through various channels.In the case of check deposits, the Bank acts only as your collecting agent in receiving your checks and other items/documents for collection.You further agree to assume full responsibility for the correctness, authenticity and validity of all endorsements appearing on the checks or other items deposited to the Bank.

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payroll accounts, remittances or fund transfers or suppliers'/distributors' accounts).

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