Disclosure Statement: Processing Time is reckoned from the time the complete and properly filled up documents are

received by the Bank Responsible Person until the transaction of the Client is completed. Processing Time does not include waiting time that may vary depending on the number of clients availing the bank products/services or systems breakdown. 1. DEPOSIT ACCOUNT PRODUCTS 1.1. ATM SAVINGS ACCOUNT An interest bearing peso savings account wherein deposit transactions are done over-the-counter, while withdrawal transaction are done via Automatic Teller Machines (ATM) 24 hours a day, 7 days a week. Deposit and withdrawal transactions may also be done over-the-counter but only during official banking hours/days. ATM withdrawals may also be made at any Expressnet, Bancnet and Megalink ATMs. Hassle-free and cashless purchases may also be done through any Point-of-Sale (POS) terminals from partner merchants across the country. Target Market Individual

At least seven (7) years of age Able to read and write Not suffering from any legal disability With credible identification

Features Minimum Initial Deposit Required Monthly ADB Required Daily Balance To Earn Interest Interest Rate (per annum) Maximum Withdrawable Amount per Day Point-of-Sale (POS) -Cashless Payments per day P500 P500 P500 0.375% P50,000 P100,000

Service Fee For Falling Below The Required Minimum P200/month ADB Closing Fee1 Dormancy Fee2 Documentation P200 P200/ month ATM card

Replacement Fee For Lost ATM Card

P50

Note: ATM Cards are issued to cardholders upon opening of the account; however, ATM cards for joint accounts are issued three (3) days after account opening.
1 If 2 Accounts

closed within thirty (30) calendar days from date of account opening. with no deposit/withdrawal transactions for two (2) years and falling below the required ADB.

Target Market Overseas Filipino Features Minimum Initial Deposit Required Monthly ADB Required Daily Balance To Earn Interest Interest Rate (per annum) Maximum Withdrawable Amount per Day Point-of-Sale (POS) -Cashless Payments per day Service Fee For Falling Below The Required Minimum ADB Closing Fee1 Dormancy Fee2 Documentation Replacement Fee For Lost ATM Card
1 If

P100 P100 P500 0.375% P50,000 P100,000 None P200 P100/ month ATM card P50

2 Accounts

closed within thirty (30) calendar days from date of account opening. with no deposit/withdrawal transactions for two (2) years and falling below the required ADB.

1.2. CURRENT ACCOUNT WITH ATM ACCESS A non-interest bearing peso account, also known as Checking or Demand Deposit Account wherein withdrawals are made either through the issuance of a check, via ATM, or over-the-counter in case ATM machine is not available. Withdrawals may also be made 24 hours a day,

7 days a week at any Expressnet, Bancnet and Megalink ATMs. Hasslefree and cashless purchases may also be done through any Point-of-Sale (POS) terminals from partner merchants across the country. Target Market

Existing depositors of good business standing New depositors with referral from LANDBANK officers or from known and valued clients of the bank

Features Minimum Initial Deposit Required Minimum Monthly ADB Service Fee for Falling Below Monthly ADB Closing Fee1 Dormancy Fee2 Maximum Withdrawable Amount per day Point-of-Sale (POS) - Cashless Payment per day Documentation Other Fees and Charges ATM Card Replacement Fee Stop Payment Order (SPO) Returned Check P50 P100 per check requested P2,000/check P5,000 P5,000 P200/month P200 P200/month P50,000 P100,000 Checkbook3 and ATM Card 4

Penalty Charge for RCOCI for every P40,000 P200 amount of check or a fraction thereof Reprinting of Bank Statements* Private - transactions beyond two (2) months P20/page Government - transactions beyond one (1) year *reckoned from opening date Bank Statement's Holding Fee -requested bank statements not claimed/picked-up within one (1) month P100

If closed within thirty (30) calendar days from date of account opening. with no deposit/withdrawal transactions for one (1) year and falling below the required ADB. 3 Upon closure, all unused checks will be returned to the branch where account is maintained. 4 ATM Cards are issued to cardholders upon opening of account; however, ATM cards for joint accounts are issued three (3) days after account opening.
1 2 Accounts

1.3. EASY SAVINGS PLUS (ESP) Easy Savings Plus (ESP) is a premium savings account which offers higher interest rates versus a regular savings account and are tiered based on ADB levels. Target Market Individuals

At least seven (7) years of age Able to read and write Not suffering from any legal disability With credible identification

Features Minimum Initial Deposit Interest Rate (per annum) Required Minimum Monthly ADB Required Daily Balance to Earn Interest Service Fee For Falling Below the Required Minimum ADB Pre-termination Rate/Penalty Dormancy Fee1 Documentary Stamp Tax (DST) P20,000 Based on market rates (tiered rates based on daily balance) P20,000 P20,000 P200/month P200 - closing of account within thirty (30) days from date of account opening P200/month
To be shouldered by the bank. If pre-terminated, the depositor is

required to pay DST. Allowed number of withdrawals per Month Service Fee in Excess of Two (2) Withdrawals/ Month Documentation

Two (2) P100/withdrawal Passbook

Replacement Fee For Lost Passbook P100

1

Accounts with no deposit/withdrawal transaction for two (2) years falling below the required ADB.

1.4. HIGH - YIELD SAVINGS ACCOUNT High Yield Savings Account (HYSA) is a peso account wherein funds of a specific amount are given pre-determined competitive rates for a fixed term. Passbook also serves as a proof of deposit. This account is offered to institutional clients. Target Market

Government line and attached agencies Government Owned and Controlled Cooperations (GOCCs) Government Financial Institutions (GFIs) Local Government Units (LGUs) Private Institutions

Features Minimum Initial Deposit Term Interest Rate (per annum) Pre Termination Rate/Penalty P1,000,000 Minimum of 30 days and Maximum of 360 days Based on weekly posted rates; varies depending on amount and term. Interest rate shall be pro-rated: o 15 days and below = 1/4 of the given rate or prevailing savings rate whichever is higher o more than 15 days=1/2 of the given rate or prevailing savings rate whichever is higher

Documentation

HYSA Passbook

Replacement Fee for Lost P100 Passbook Documentary Stamp Tax (DST)
o To be shouldered by the bank. o If pre-terminated, the depositor is required

to pay DST.

1.5. HARVEST 5 A five (5) Year Time Deposit (Tax free) ; A long term deposit account. Target Market Individuals (Single or Joint Accounts) Features Minimum Placement Term Interest Rate (per annum) Tax Exemption Pre-Termination Rate/Penalty P100,000 Five (5) years and One (1) day Based on latest Fixed Rate Treasury Notes (FXTN) Fixed annual rate for the duration of the term No withholding tax and documentary stamp tax (DST) if Harvest 5 is maintained for five (5) years and one (1) day. 1. Interest Rate shall be pro-rated: o ninety (90) days and below = prevailing savings rate o more than ninety (90) days = prevailing CTD posted rate above 45 days. 2. Withholding tax on interest shall be withheld: o 20% = less than 3 years o 12% = 3 - 4 years o 5% = more than 4 years 3. The depositor is required to pay the full amount of Documentary Stamp Tax (DST)

1. Interest for reinvestment Interest earned shall be credited to the account every 31st day to be reinvested with the principal deposit until maturity. Compounded monthly 2. Interest for credit to an affiliate LBP ATM account * The depositor shall Interest earned shall be credited to the only choose one affiliate LBP ATM account every 31st day. (1) option upon Affiliate ATM Account is exempted from all placement of bank charges except for interbranch and deposit and shall interbank charges. be applied for the Same affiliate LBP ATM account may be whole term of the utilized by the depositor for succeeding placement. placements Options for Crediting of Interest Earned* Feature As Credit Line Documentation Harvest 5 accounts may be used as a security for a credit line subject to LANDBANK's existing policy on hold-out on deposits. Certificate on Time Deposit (CTD)

1.6. PESO E.A.S.Y. (EARNING ACCESS & SURE YIELD) CHECK An interest-bearing peso current account (IBCA) wherein deposits are made over-the-counter whereas withdrawals are made through the issuance of a check. Target Market Individuals

Existing depositors of good standing New depositors with referral from LANDBANK officers or from known and valued clients of the Bank

Institutional Reputable private corporations, cooperatives, partnerships and associations

Features INDIVIDUAL Minimum Initial Deposit Required Minimum Monthly ADB Interest Rate (per annum) Service Fee for Falling Below ADB Closing Fee1 Dormancy Fee2 Documentation3 Maximum number of check issuances Other Fees and Charges Stop Payment Order (SPO) per check requested Returned Check P100 P2,000/check P10,000 P10,000 0.375% P200 P200 P200/month Checkbook No limit INSTITUTIONAL P20,000 P20,000 0.375% P200 P200 P200/month Checkbook No limit

Penalty Charge for RCOCI for every P40,000 amount of P200 check or a fraction thereof Reprinting of Bank Statements* Private - transactions beyond two (2) months P20/page Government - transactions beyond one (1) year *reckoned from opening date Bank Statement's Holding Fee -requested bank statements not claimed/picked-up within one (1) month
1

P100

If closed within thirty (30) calendar days from date of account opening. with no deposit/withdrawal transaction for one (1) year and falling below the required ADB. 3 Upon closure, all unused checks will be returned to the branch where account is maintained.
2 Accounts

1.7. PESO E.A.S.Y. (EARNING ACCESS & SURE YIELD) CHECK WITH ATM ACCESS An interest-bearing peso current account (IBCA) wherein deposits are made over-the-counter or through the ATM whereas withdrawals are made through the issuance of a check via ATM or over-the-counter in case ATM machine is not available. Withdrawals may also be made 24 hours a day, 7 days a week at any Expressnet, Bancnet, and Megalink ATMs. Hassle-free and cashless purchases may also be done through any Point-of-Sale (POS) terminals from partner merchants across the country. Target Market

Existing depositors of good standing New depositors with referral from LANDBANK officers or from known and valued clients of the Bank

Features Minimum Initial Deposit Required Minimum Monthly ADB Required Daily Balance to Earn Interest Interest Rate (per annum) Service Fee for Falling Below the Required ADB Closing Fee1 Dormancy Fee2 Maximum Withdrawable Amount per Day P10,000 P10,000 P10,000 0.375% P200/month P200 P200/month P 50,000

Point-of-Sale (POS) cashless payment per P 100,000 day Documentation Other Fees and Charges ATM Card Replacement Fee Stop Payment Order (SPO) Returned Check P50 P100 per check requested P2,000/check Checkbook3 and ATM Card4

Penalty Charge for RCOCI for every P40,000 P200 amount of check or a fraction thereof Reprinting of Bank Statements* Private - transactions beyond two (2) months P20/page Government - transactions beyond one (1) year *reckoned from opening date Bank Statement's Holding Fee -requested bank statements not claimed/picked-up within one (1) month P100

2 Accounts

If closed within thirty (30) calendar days from date of account opening. with no deposit/withdrawal transaction for one (1) year and falling below the required ADB. 1.8. TIME DEPOSIT A specific amount of funds in peso which earns interest at a predetermined competitive rate for a fixed period of time/term with a Certificate of Time Deposit (CTD) as proof of deposit. This is offered to individuals and institutions who/which have peso denominated funds which maybe locked-in with the bank for at least thirty (30) days. Target Market Individuals

At least seven (7) years of age Able to read and write Not suffering from any legal disability With credible identification

Institutional Government Line Agencies, Government Owned and Controlled Corporations (GOCCs), Local Government Units (LGUs) Private corporations, cooperatives, partnerships, associations and other duly registered organizations

Features Minimum initial deposit Term Interest rate (per annum) Pre-termination rate/penalty Documentation Documentary Stamp Tax (DST) P1,000 Minimum of 30 days and Maximum of 360 days Based on market rates, amount and terms Revert to prevailing regular savings rate Certificate of Time Deposit (CTD) To be paid by the depositor upon opening/renewal

1.9. REGULAR CURRENT ACCOUNT A non-interest bearing peso account, also known as Checking or Demand Deposit Account wherein deposits are made over-the-counter, whereas withdrawals are made through the issuance of a check. Target Market Individuals

Existing depositors of good standing New depositors with referral from LANDBANK officers or from known and valued clients of the bank

Institutional

Government Line Agencies, Government - Owned and Controlled Corporations (GOCCs), Local Government Units (LGUs) Reputable private corporations, cooperatives, partnerships and associations

Features INDIVIDUAL Minimum Initial Deposit Required Minimum Monthly ADB P5,000 P5,000 INSTITUTIONAL P10,000 P10,000 P200 /month P200 P200/month Checkbook

Service Fee For Falling Below The P200/month Required ADB Closing fee1 Dormancy fee2 Documentation3 Other Transaction Fee Stop Payment Order (SPO) per Check Requested Returned Check P200 P200/month Checkbook

P100 P2,000/Check P200

Penalty Charge for RCOCI for every P40,000 Amount of Check or a Fraction Thereof Reprinting of Bank Statements* Private - transactions beyond two (2) months Government - transactions beyond one (1) year *reckoned from opening date

P20/page

Bank Statement's Holding Fee -requested bank statements not claimed/picked-up P100 within one (1) month 1 If closed within thirty (30) days from opening date. 2 Accounts with no deposit/withdrawal transactions for one (1) year and falling below the required ADB. 3 Upon closure, all unused checks will be returned to the branch where account is maintained.

1.10. US$ DOLLAR SAVINGS ACCOUNT An interest bearing dollaraccount which requires presentation of a passbook for deposit and withdrawal transactions. Target Market Individuals

At least seven (7) years of age Able to read and write Not suffering from any legal disability With credible identification

Institutional

Government Line Agencies (GLAs), Government Owned and Controlled Corporations (GOCCs), Local Government Units (LGUs) Private corporations, cooperatives, partnerships, associations and other duly registered organizations

Features INDIVIDUAL Minimum Initial Deposit Required Minimum Monthly ADB Required Daily Balance to Earn Interest Interest Rate (per annum) $100 $500 $500 0.15% $1,000 $1,000 $1,000 0.15% $5/month P200 $5/month P100 Passbook INSTITUTIONAL

Service Fee for Falling Below $5/month ADB Closing fee1 Dormancy fee2 Replacement Fee for Lost Passbook Documentation P200 $5 /month P100 Passbook

Other Transaction Fees Inter-branch Deposit/Withdrawal Accommodation (Notes only) Service fee in Excess of Two (3) Withdrawals/Month Withdrawal Prior to Expiry of Holding Period $ 5/transaction $0.50/withdrawal 1/4 of 1% of the amount withdrawn within the holding period of 15 banking days

1 If

2 Accounts

closed within thirty (30) calendar days from date of account opening. with no deposit/withdrawal transaction for two (2) years and falling below the required ADB.

1.11.U.S. DOLLAR TIME DEPOSIT A specific amount of funds in dollar which earns interest at a predetermined competitive rate for a fixed period of time/term with a Certificate of Time Deposit (CTD) as proof of deposit. Target Market Individuals

At least seven (7) years of age Able to read and write Not suffering from any legal disability With credible identification

Institutional

Government Line Agencies, Government Owned and Controlled Corporations (GOCCs), Local Government Units (LGUs) Private corporations, cooperatives, partnerships, associations and other duly registered organizations

Features Minimum Placement Term Interest Rate Pre termination Rate/Penalty Documentation Documentary Stamp Tax (DST) $1,000 Minimum of 30 days and Maximum of 360 days Based on weekly posted rates; varies depending on amount and term Revert to prevailing regular savings rate Certificate of Time Deposit (CTD) None

1.12. LANDBANK E-$-P (EASY DOLLAR PENSION) An alternative payment scheme whereby the monthly pension/ benefit of pensioners/beneficiaries of various US Federal agencies residing in the Philippines is directly credited to their savings account maintained with LANDBANK. The US pensioner/beneficiary has the option to open either an individual Peso Savings Account or individual Dollar Savings Account. Target Market Pensioners/beneficiaries of various Federal agencies who are residing in the Philippines Features Type of Account Minimum Initial Deposit Required Minimum Monthly ADB Required Daily Balance to Earn Interest Interest Rate (per annum) Allowed Number of Individual Savings Account (Peso or Dollar) Any Amount Waived Banks prevailing ADB requirement Banks prevailing interest rate Peso Account - no limit

Withdrawals per Month Documentation Replacement Fee for Lost Passbook

Dollar Account - 3 times per month Passbook P100

Note: All other charges for Regular Peso and Dollar Savings Account shall be applicable. 1.13. HIGH-YIELD U.S. DOLLAR 3-YEAR TIME DEPOSIT A three (3) year term US dollar time deposit account which earns a much higher interest than the regular time deposit and savings deposit products. Target Market Individuals

At least seven (7) years of age Able to read and write Not suffering from any legal disability With credible identification

Institutional Government Line Agencies, Government Owned and Controlled Corporations (GOCCs), Local Government Units (LGUs) Private corporations, cooperatives, partnerships, associations and other duly registered organizations

Features Minimum Placement Term Interest Rate Pre termination $5,000 Three (3) years 2.5% p.a. (fixed rate during the 3-year term) - subject to 7.5% withholding tax Interest Rate shall be pro-rated:

Rate/Penalty

Less than 1 year = prevailing regular US dollar savings rate More than 1 year = prevailing US dollar time deposit rate for 61-90 days shall apply.

Documentation Documentary Stamp Tax (DST)

Certificate of Time Deposit (CTD) None