They acknowledge that the other functionalities and functionalities offered by the bank`s electronic channels are subject to a service contract separate from and regulated by the relevant electronic chain. The activation, use or use of any of these electronic channels or services represents your acceptance and consent to the use of the channels or services, including fees, charges and penalties, reminders and footnotes on websites, mobile screens and audio games, as well as such modifications. Revisions, updates or modifications that may be made from time to time by the bank, which are also an integral part of these General Terms and Conditions of Sale. 17. Waiver of Article 1250 of the New Civil Code – You expressly waive the provisions of Article 1250 of the New Civil Code (which concerns cases of exceptional inflation or deflation of foreign currencies and specifies that the basis of payment is the value of the currency at the time of the creation of the commitment, unless otherwise agreed) and therefore accepts that this article is not applicable. A loan is an agreement between a guarantor like BPI/MS and you as the client. In this agreement, the guarantee guarantees your service to your customer. The signature of the cardholder on the application form or the cardholder and the signature of the event on the card or add-on card. the use or continued use of the card card and the complementary card constitutes the agreement of the cardholder and the company additional to these General Terms and Conditions of Sale and the Other General Terms and Conditions of Sale.

(vi) to any potential acquirer or licensee of BPI`s rights and/or obligations arising from the relevant contracts or agreements, or in connection with a sale, acquisition, merger or consolidation of a member of the BPI Group; 33. OTHER TERMS AND CONDITIONS – Reminders and other provisions contained in the Card, SOA, Installment Plan Contract, Royalty Certificates, Warranty Agreements, Card Holder, Other Card Documents, Other Instruments or Related Documents, Other Rules and Regulations Adopted from Time to Time by BPI with respect to the use of the Card, as well as the general conditions of sale of products by the Bank of the Philippine Islands; Services, FACILITIES AND CHANNELS (together the „Other Conditions”) form an integral part of these general conditions of sale by reference and are also used in cases where they are applicable. It is agreed that these General Terms and Conditions of Sale and the Other General Terms and Conditions above constitute the agreement between BPI and the Cardholder and govern the use of the Card(s) and the Additional Card(s) issued below. For the avoidance of doubt, to the extent that applicable confidentiality, banking secrecy or other laws impose confidentiality requirements for certain relevant information, but allow a party to waive such requirements by written consent, the express consent given thereto constitutes the written consent of the cardholder and the addition and waiver for the purposes of such applicable laws. Any agreement between the cardholder/supplement and the BPI or a member of the BPI group for the respect of the confidentiality of information is always respected, unless such agreement is incompatible with the consent to the disclosure of the cardholder`s information, which is permitted under these General Terms and Conditions of Sale. 15. Corporate accounts or other non-individual accounts – For corporate accounts or other non-individual accounts, you continue to declare and warrant to the bank that the creation and related documents, information and insurance contained in the relevant bank forms submitted for account opening are current, complete, accurate, accurate, accurate and that all appropriate and necessary capital measures have been taken to enable the execution of the documents. It is one of the most powerful. Instruments and agreements relating to the opening of accounts and the use of the Bank`s products, services, facilities and channels. .