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NAME (Last, First, Middle) DATE
By signing below, I confirm that I have read, understood, and fully agree with and abide to UnionBank Mobile Banking Terms and Conditions.
Signature over Printed Name
Signature over Printed Name
These Terms and Conditions shall govern your use of the Mobile Banking Services available through
UnionBank MBS, our mobile banking application.

A. Definition of Terms
In these Terms and Conditions:
"Mobile Banking Services" refers to electronic banking services that UnionBank offers through
UnionBank MBS, where customers can perform various bank transactions simply by using their
mobile phone wherever they have cellular network coverage.
"Account" refers to the savings and/or checking account held with UnionBank in the depositor's
name, whether solely or jointly with another person, except time deposit, power savings, and Trust -
UPF accounts.
A "Mobile Phone" refers to the client's cellular network phone unit with the client's subscriber
identity module (SIM) card and corresponding 10-digit mobile number assigned to the SIM card.
"mPIN" refers to the Mobile Personal Identification Number (PIN) nominated by the accountholder
in the Mobile Banking Enrollment through UnionBank's Customer Service and will also be used to
authorize every transaction through UnionBank MBS.
"We", "Us", "Our", and "Bank" refer to UnionBank of the Philippines.
"You" and "Your" refer to the owner of the account.

B. Access to Mobile Banking
You may access your accounts through the UnionBank MBS application using your mobile phone.
Mobile Banking services will be available only for the UnionBank deposit/credit card you enrolled.
Enrollment into UnionBank's Mobile Banking service shall be done by calling the Bank's Customer
Service. You must explicitly ask to enroll and provide the necessary and accurate information
needed for enrollment. The Bank, at its sole discretion, reserves the right to validate the information
provided by you through Customer Service. Once your information has been validated, you will
receive a confirmation from the Bank and a Uniform Resource Locator (URL) through short
message sending (SMS) and/or electronic mail (email).
Your enrollment in Mobile Banking will be effective upon your receipt of the Bank's confirmation of
the enrollment of your accounts in Mobile Banking and will remain in full force and effect until we
receive from you a notice of its termination.
In the event that the mobile number used to access Mobile Banking is replaced, you must re-enroll
in the service by calling UnionBank Customer Service and requesting the termination of your
previous Mobile Banking account.
Our banking days are Monday through Friday, except holidays.

C. Mobile Phone & Mobile Personal Identification Number Security
You shall keep your mPIN, account numbers and other account data confidential and secure at all
You agree to assume full responsibility and liability for all transactions made in your accounts
through the use of your UnionBank MBS application and mPIN. It is understood that the mPIN is
known only to you and as such, any transaction effected using your mPIN shall be conclusively
presumed to be done by you or authorized by you.
You agree that the Bank, at its sole discretion, is entitled to act on the instructions received from
you through Mobile Banking after the correct entry of your mPIN You further agree that the Bank
shall not be liable for acting in accordance with or based on requests/instructions received through
Mobile Banking, which we believe emanates from you.
As a safety measure, you further agree and undertake to change your mPIN from time to time as
you deem necessary. If you believe that your mobile phone or mPIN may have been lost/stolen or
that someone has used it without your permission, you shall notify the Bank immediately and shall
give the latter a reasonable period to de-activate your compromised Mobile Banking Account and
You must keep your mPIN totally confidential and secure at all times and not to reveal it to any third
When changing your Mobile Personal Identification Number (mPIN), choose a PIN which must not
relate to any readily accessible data such as your address, telephone number, driver's license, date
of birth etc. and easily guessable combination of numbers. Do not let any unauthorized person have
access to your mobile phone or leave your mobile phone unattended while accessing Mobile
Banking Services.

D. Services
We offer the following services through Mobile Banking:
Balance Inquiry
You may request for balances of enrolled own deposit accounts. Your requests may be for a single
enrolled account or for all enrolled accounts.
Fund Transfer
You may transfer funds from your enrolled account/s to your other enrolled accounts or third-party
accounts within UnionBank. The Bank will effect such mobile fund transfer transactions provided
there are sufficient funds available in your account. The bank shall not be liable for any omission to
make all or any of the payments or for late payments due to circumstances beyond the reasonable
control of the Bank.
Pay Bill
You may pay your bills from your deposit account(s) to institutions with which the Bank has
collection arrangements. There is no enrollment required for this service. If the payment is made on
Saturday, Sunday or holiday, your account shall be debited for the payment amount on the same
day and the institution advised of such payment on the next banking day.
Buy Load
You may buy load from your enrolled deposit accounts to your own mobile number and to other
user-identified mobile numbers for the GLOBE, SMART and SUN networks. There is no enrollment
of mobile numbers required for this service. The denominations available for each network are
subject to their availability with the electronic load vendor.
Your account shall be debited for your load purchase the same day as your buy load request was
received by the Bank. You understand that all buy load transactions are subject to the availability of
telecommunication network connection, electronic load vendor receipt of transaction request and
load denomination availability.
Change mPIN
You may change your mPIN within the mobile banking application by indicating your new
user-nominated mPIN. You may not use the same mPIN for three consecutive changes.
You may transact with your new mPIN once you receive the SMS and/or email confirmation
from UnionBank.
Text UnionBank
You may send an SMS message to UnionBank Customer Service for inquiries or concerns
you may have about Mobile Banking or UnionBank's other services/products, giving
UnionBank reasonable time to respond to your request.
Call UnionBank
You may call UnionBank Customer Service for inquires or concerns you may have about
Mobile Banking or UnionBank's other services/products.

E. Authority to the Bank
Your banking transactions are permitted through Mobile Banking Service only after
authentication of your Mobile Number and mPIN and your instructions made after such
authentication shall be sufficient authority to the Bank for carrying out the banking transactions
performed by you through the mobile banking facility. The Bank shall have no obligation to
verify the authenticity of any transaction received from you through mobile banking or purporting
to have been sent by you via SMS other than by means of verification of your Mobile number
and mPIN.
The SMS or email receipt that is sent to your registered mobile number and email address at
the time of operation of the mobile banking application is merely your personal record of the
operation of the Mobile Banking Service and shall not be construed as the Bank's record of the
relative transactions. In case of discrepancies, the Bank's own record of transactions
maintained through computer systems or otherwise shall be accepted as conclusive and binding
for all purposes unless any discrepancy is pointed out within a week from the date of sending
the periodical statement to you.

F. Accuracy of Information
The Bank will use reasonable efforts to ensure the accuracy of information accessed
through the Mobile Banking services but does not warrant the information will be free from
error. Hence, you are solely responsible for the correctness of information supplied to the
Bank through the use of mobile banking or through any other means such as electronic mail
or written communication. The Bank accepts no liability for the consequences arising out of
erroneous information supplied by you through the Mobile Banking Service. If you suspect
that there is an error in the information supplied to the Bank, you shall advise the Bank as
soon as possible. The Bank will endeavor to correct the error wherever possible on a "best
efforts' basis".
If you notice an error in the account information supplied to you through mobile banking or
by the use of any of the mobile banking services, you shall advise the Bank as soon as
possible. The Bank will endeavor to correct the error promptly and adjust any interest or
charges arising out of the error.

G. General Agreements
UnionBank may, from time to time, introduce new Mobile Banking services. We will inform
you of these new services. By using these services when they become available, you agree
to be bound by the Terms and Conditions that will be made available to you concerning
these services.
UnionBank does not guarantee the continuous availability of all Mobile Banking services
mentioned in this agreement. UnionBank reserves the right to terminate or suspend any
Mobile Banking service with prior notice to you.
UnionBank shall not be liable for any loss or damage of whatever nature in connection with
the implementation of mobile transactions in the following instances:
Disruption, failure or delay relating to or in connection with the Mobile Banking
services which are due to circumstances beyond the control of the Bank, unforeseen
events, fortuitous events such as but not limited to prolonged power outages,
breakdown in computers, software, operating systems and telecommunication
facilities, typhoons, floods, public disturbances and calamities and other similar or
related cases.
Loss or damage arising out of any fraudulent access or utilization of the Mobile
Banking services due to theft or unauthorized disclosure of mobile phones, mPIN or
violation of other security measures used for Mobile Banking with or without your
Inaccurate, incomplete or delayed information is received due to disruption or failure
of any information or communication facilities used for the Mobile Banking System, or
due to faults in the telecommunication network, internet or network failure, or software
or hardware error beyond the control of the Bank.
Any indirect, incidental or consequential loss, loss of profit or damage suffered by
reason of the use or failure or inability to use the Mobile Banking services.
Any and all liability, costs, damages, losses and causes of action arising from or in
any way connected with the disclosure of information concerning your accounts and/
or transactions with the Bank to unauthorized persons for any reason whatsoever,
including but not limited to wiretapping of communication lines or erroneous
connection by telecommunication switches, or errors in transmitted information due to
faulty lines, and any and all forms of high technology surveillance or fraud.
You agree to hold the Bank free and harmless from any all claims and liabilities and you
undertake to reimburse/indemnify the Bank for all such costs, payments, damages and
expenses which the Bank may be liable for or which the Bank may incur or have incurred by
reason of the Bank's implementation of any and all requests/transactions you make through
the Mobile Banking services.
At any rate, any liability of the Bank for damages suffered by you arising from this
agreement; your use of the Mobile Banking Services; or, the breach of any of the Bank's
obligations hereunder, shall be limited to the amount of the annual charges you have
incurred for the year you suffered the damage.
All terms and conditions of your existing deposit accounts with the Bank insofar as not
inconsistent herewith shall remain in full force and effect.
You agree that where particular transactions, products and services are subject to specific
terms and conditions agreed upon between you and the Bank, insofar as not inconsistent
herewith, or that are applicable thereto from time to time, such terms and conditions shall
take precedence.
For "And/Or" joint accounts, it is hereby understood and agreed that all transactions to be
made by any one of you via Mobile Banking are deemed done with the consent and within
the lifetime of all the co-depositors.
If the Bank is asked to execute an instruction, the Bank may take into consideration any
other transactions that have been authorized but have not been debited to the account (and
any other transactional charges upon the account) and if the Bank determines that there are
or will be insufficient available funds in the account to pay the amount that would be due in
respect of such instruction, the Bank may in its own absolute discretion, but with notice to
you, refuse to authorize such transaction, in which event such transaction will not be debited
to the account. The Bank shall not be liable for any loss or courses of action resulting from
any such refusal to authorize any transaction.
With notice to you, we may also refuse to allow any transactions without liability to you if we
have reason to believe that one or more transactions on your account may have been
unauthorized or fraudulent or erroneous; if there is a dispute concerning the account that
makes us uncertain regarding the instructions that have been given; if the deposit account is
garnished or attached; if the deposit account has been pledged as collateral for a debt; if the
availability of funds on deposit cannot be verified; if any required documentation has not
been presented; or if you have failed to repay an obligation to us on time.
Payments are made solely out of funds on deposit with the Bank. If you are a recipient of a
transfer from another Bank customer and the sender reverses or charges back a transaction
used to fund your transfer, the Bank immediately and with notice or presentment may debit
your account for the amount of the transfer, regardless of whether your account has
sufficient balance to fund the transaction. You are responsible for any charges incurred/
created because of the reversal. You may incur interest, fees and charges if there are
insufficient funds in your account(s) to cover such amount. We may also use any other legal
remedy to recover the amount you owe us. We are not responsible for any transactions until
we actually receive and record them. We are not liable for the default or negligence of our
duly selected correspondents nor for losses in transit.

H. Service Charges and Taxes
You agree to pay the charges that may be imposed by the Bank when availing of services
and/or products under Mobile Banking and the standard SMS and call rates that will apply in
the course of Mobile Banking Transactions. We will deduct the charges directly from your
deposit account balance as these are incurred. We are not responsible for the monitoring of
your mobile phone charges. It is your responsibility to monitor these charges and to ensure
that you have enough mobile credits to transact using the Bank's Mobile Banking service.
We will not be liable for dishonor of other debits to your deposit account resulting from our
deduction of any charges as authorized by your acceptance of these terms.
You are also responsible for paying any and whatever taxes due or may be imposed upon
arising from availment of the Mobile Banking services. You authorize the Bank to
automatically charge or debit your deposit account for any and all such taxes due.
We reserve the right to change the charges, fees, or other terms described in these Terms
and Conditions. When changes are made and/or fees, charges or other material terms are
added we will update this Mobile Banking Terms and Conditions, and either send a notice to
you at the address shown on our records, or send you an email.
You agree to be responsible to check the website from time to time, for any updates to
these Terms and Conditions and you further agree that your continued use of the Mobile
Banking services after the effectivity of any changes to the Terms and Conditions will
constitute your consent and adherence to such changes.
As always, you may choose to decline changes by discontinuing the accounts or services to
which these changes relate. We also reserve the option, in our business judgment, to waive,
reduce or reverse charges or fees for individual situations.

I. Termination of the Agreement
You may request for termination of the Mobile Banking Service by placing a request through
our Customer Service and giving the Bank at least two (2) banking days to process the
request. You shall remain responsible for any mobile banking transactions made on your
account/s through the service prior to the time of such cancellation of the Mobile Banking
The Agreement comprised in these Terms and Conditions shall be deemed to remain in full
force and effect if and in so far as any transaction is completed but not debited to your
account/s prior to termination of the service. Also, termination of the Mobile Banking Service
shall not prejudice your liability in respect of things done or omitted to be done prior to
termination thereof.
The Bank may, for security and other reasons, withdraw the Mobile Banking Service
anytime you are given reasonable notice under the circumstances. If the Mobile Banking
Service is erroneously or negligently withdrawn by the Bank for any reason other than your
breach of the terms and conditions hereof, the Bank's liability shall be restricted to the return
of the annual charges, if any, recovered from you for the period in question.
The closure of all your accounts enrolled on the Mobile Banking Service will automatically
terminate the service.
The Bank may suspend or terminate your mobile banking service with notice if you breach
any of the terms and conditions hereof or the Bank learns of your death, bankruptcy or lack
of legal capacity.

J. Miscellaneous
These terms and conditions and the banking practices and charges relating thereto may be
changed by the Bank at any time by notice thereof to the account holder. Any such changes
will be effective from the date of the notice or such later date as may be specified therein.
The Bank shall endeavor to post such changes in its website at www.unionbankph.com.
Should the Bank become involved in any litigation which may have relation with this
Agreement, or with any of the rights, powers and remedies hereunder, all fees and
expenses incurred by the Bank in such a litigation, including a reasonable amount for the
attorney's fees which amount is hereby agreed to be at the rate of 10% of the sum sought,
shall be paid by the Client.
This Mobile Banking Agreement is governed by the provisions of Bangko Sentral ng
Pilipinas and applicable laws of the Philippines relating to the covered transactions herein. It
shall be understood that access to and use of the Mobile Banking Service shall be subject to
applicable requirements and procedures of government telecommunications or other
regulatory authorities and those prescribed by law.
The venue of all legal actions or proceedings arising out of or in connection with these
Terms and Conditions shall be brought only in the proper courts of Pasig City to the
exclusion of all other venues.