UNIONBANK OF THE PHILIPPINES

(Name of Creditor - "the Bank")

DISCLOSURE STATEMENT ON LOAN/CREDIT TRANSACTION

(As Required under R.A. 3765 Truth in Lending Act)

Name of Borrower: TONY ROY FONTELERA BAUTISTA Account Number: 7842592284

Address: B8 L25 Onyx Street Golden City Subdivision 1920 Rizal Province Taytay, TAYTAY Loan Booking Date: 06/13/2024
1850 1920 204

Account Type: Personal Loan Loan Reference No: wnEKjp

1. APPROVED LOAN AMOUNT (Amount to be financed) Php 200000.00

2. TOTAL INTEREST (See attached computation in Annex A) Php 56738.88

Interest on your loan is charged starting on the Loan Booking Date, which is the date your loan was approved by the Bank.

3. OTHER BANK CHARGES Php 3250.00

a. Documentary Stamp Tax (DST) on Loan Php 1500.00

b. Insurance Premium Php 0.00

c. Documentary Stamp Tax (DST) on Insurance Php 0.00

d. Loan Disbursement Fee Php 1750.00

e. Others (Specify) Php 0.00

4. ANNUAL INTEREST RATE (See attached computation in Annex A)

a. Annual Contractual Rate 25.000%

b. Effective Annual Interest Rate 27.85%

There is an initial interest that is computed based on the actual number of days from the approval date of my loan transaction to my first
statement date after the said approval date. It will be charged on my first Statement of Account issued following the approval date.

In accordance with the Philippine Accounting Standards definition, effective interest rate (EIR) is the rate that exactly discounts estimated
future cash flows through the life of the loan to the net amount of loan proceeds (BSP Circular No. 730, S2011). The EIR includes the
monthly interest, the Disbursement Fee and DST. As such, there will be a variance between Annual Contractual Rate and the Effective
Annual Interest Rate.

5. SCHEDULE OF PAYMENTS (See attached Amortization Schedule in Annex A)

a. First Payment Due Date 07/06/2024

b. Next Payment Due Date 08/06/2024

c. Monthly Installment Amounts

Payable in 24 months with Php 555.56 as Initial Interest

(no. of payments) Php 10674.30 as Monthly Installment Amounts

There is an initial interest that is computed based on the actual number of days from the approval date of your loan transaction to your first
statement date after the said approval date. It will be charged on your first Statement of Account issued following the approval date, along
with Other Bank Charges, such as Disbursement Fee of P1,750 and Documentary Stamp Test (DST) of P1.50 per P200 of your loan
amount, subject to applicable laws and regulations.

6. ADDITIONAL CHARGES IN CASE CERTAIN STIPULATIONS ARE NOT MET BY THE BORROWER

Monthly Interest Charge
“Monthly Interest Charge” or “Interest Charge” means the interest, computed using the monthly revolving
interest of 2.42% (“Monthly Interest Rate”), applied on any or all of the following: (1) on any unpaid fees and
charges, and (2) on the Total Amount Due, when my UnionBank Personal Loan or UnionBank Salary Loan
is in default at 60 days past due, in which case, the Total Amount Due will include any unpaid fees and
charges, the past due monthly principal installment amounts and the remaining principal balance. Such
interest shall be compounded monthly and will continue to be charged until full payment of Total Amount
Due plus accrued interest.

Monthly Late Charge P500 or 6% of the Overdue Amount, whichever is higher.

* For Union Bank Personal Loan Please see the UnionBank Personal Loan Terms and Conditions at https://www.unionbankph.com/loans for
only the definition of Overdue Amount.

Closure Handling Fee 4% of the unbilled principal component of the loan that is prepaid.

P1,500 will be charged for every check that is returned or that bounces due to insufficiency of funds,
 Returned Check Fee uncollected deposits, stop payment order, alterations or erasure, among others.

Attorney's Fees and Other In case of default in payment, in addition to late and interest charges, the cost of collection and/or attorney's
Judicial Expenses fees and the litigation and judicial expenses, as applicable.

C E R T I F I E D C O R R E C T:

Union Bank of the Philippines.

TIN 000-508-271-0000

I acknowledge receipt of a copy of this statement and the UnionBank Personal Loan Terms and Conditions prior to the consummation of the credit transaction
and that I understand and fully agree to the contents of and to be bound by the said documents. I understand that any alteration made on this form will render
the document void.

I understand that the use of unsecured loans such as my UnionBank Personal Loan as funding / fund sources for UnionBank's Wealth Management products
like investments or insurance is not allowed. I hereby confirm that these loan proceeds will not be used for UnionBank's Wealth Management products. In the
event that the loan fund has been used for the purposes prohibited above, Union Bank will be entitled to do all acts and things it deems necessary to comply
with its policies, including but not limited to liquidating my holdings of investments/ insurance at that time. I agree to bear all costs and expenses Union Bank
incurs as a result thereof.

I understand that I may terminate my UnionBank Personal Loan account by ceasing to use all facilities and services relating to my UnionBank Personal Loan
account, paying all UnionBank Personal Loan outstanding balance and such other sums owing to the Bank under the UnionBank Personal Loan documents,
and advising the Bank about my intention to terminate. I understand that the Bank is entitled to, in its discretion, at any time with reasonable notice to me,
terminate my UnionBank Personal Loan forthwith, and/or to demand immediate payment of all monies owing in respect of my UnionBank Personal Loan
account, whether or not I am in default of any of my obligations under the UnionBank Personal Loan documents and whether or not any UnionBank Personal
Loan outstanding balance is due and owing by me. If my UnionBank Personal Loan account shall be so terminated by the Bank, I must make immediate
payment of all UnionBank Personal Loan outstanding balance and such other sums owing to the Bank under this agreement.

TONY ROY FONTELERA BAUTISTA 06/13/2024 237353364

(Signature of Borrower over printed

Date ID Number
name)

NOTICE TO BORROWER: You are entitled to a copy of this document which you shall sign.

This is a computer-generated form and if issued without any alteration, this does not require a signature.
 AMORTIZATION SCHEDULE AND COMPUTATION OF EFFECTIVE ANNUAL INTEREST RATE

DECLINING BALANCE METHOD

(Annex A)

Account Number 7842592284

Approved Loan Amount Php 200000.00 Total Interest Php 56738.88

Annual Contractual Rate 25.000% Disbursement Fee and Loan DST Php 3250.00

Loan Period / Tenor (in months) 24 Effective Annual Interest Rate 27.85%

Principal Interest Monthly Outstanding Principle

Month
Amount Amount Installment Due Balance

0 555.56 200000

1 6507.63 4166.67 10674.3 193492.37

2 6643.21 4031.09 10674.3 186849.16

3 6781.61 3892.69 10674.3 180067.55

4 6922.89 3751.41 10674.3 173144.66

5 7067.12 3607.18 10674.3 166077.54

6 7214.35 3459.95 10674.3 158863.19

7 7364.65 3309.65 10674.3 151498.54

8 7518.08 3156.22 10674.3 143980.46

9 7674.71 2999.59 10674.3 136305.75

10 7834.6 2839.7 10674.3 128471.15

11 7997.82 2676.48 10674.3 120473.33

12 8164.44 2509.86 10674.3 112308.89

13 8334.53 2339.77 10674.3 103974.36

14 8508.17 2166.13 10674.3 95466.19

15 8685.42 1988.88 10674.3 86780.77

16 8866.37 1807.93 10674.3 77914.4

17 9051.08 1623.22 10674.3 68863.32

18 9239.65 1434.65 10674.3 59623.67

19 9432.14 1242.16 10674.3 50191.53

20 9628.64 1045.66 10674.3 40562.89

21 9829.24 845.06 10674.3 30733.65

22 10034.02 640.28 10674.3 20699.63

23 10243.06 431.24 10674.3 10456.57

24 10456.57 217.85 10674.42 0

The first Monthly Installment Amount includes a one-time disbursement fee of P1,750 and your Loan DST, which is computed at P1.50 for every P200.00 of
your loan. Please refer to your copy of the Disclosure Statement for the breakdown of fees applied to your installment loan.

NOTE: In case you missed payment for the Minimum Amount Due of your UnionBank Personal Loan account for three (3) consecutive months, your account
will be considered in default, the unbilled principal amount of your outstanding loan/s will be billed in full, and your outstanding loan/s will no longer follow the
amortization schedule in your Disclosure Statement. For more details, please refer to your copy of the UnionBank Personal Loan Terms and Conditions.