Guidelines on the Adoption of the Standard Business Loan Application Form (SBLAF)

BANGKO SENTRAL NG PILIPINAS OFFICE OFTHE GOVERNOR CIRCULAR NO.II56 Series of 2o22 Subject: Guidelines on the Adoption of the Standard Business Loan Application Form (SBLAF) The Monetary Board, in its Resolution No.1384 dated 16 September 2022, approved the guidelines on the adoption of the Standard Business Loan Application Form (SBLAF). Section l. Section 3O7RO6-Q|BO8-N of the Manual of Flegulations for Banks (MORB)/Manual of Flegulations for Non-Bank Financial Institutions (MORNBFI) on the guidelines on the SBLAF adoption are hereby added to read as follows: 3Ot5O6-Q/BO8-N ADOPTION OF THE STANDARD BUSINESS LOAN APPLICATION FORM Policy statement lt is the thrust of the Bangko Sentral to promote broad and convenient access to high quality financial services and consider the interest of the general public. In line with this, the Bangko Sentral mandates the adoption of a standard business loan application form or SBLAF templates by covered entities in accordance with the parameters and guidelines specified under this Section. The SBLAF is designed to make the loan application process streamlined and borrower-friendly for its target users, the micro, small, and medium enterprises (MSMEs). The adoption of the SBLAF templates by covered entities supports the MSMEs' access to financial products and services by facilitating transparency, ease of understanding, and efficiency in loan applications and processing. lt is also expected to enable the covered entities to improve their risk assessment, hasten turnaround time, and facilitate transition to digital loan application platforms. Moreover, the use of SBLAF among covered entities will likewise support data requirements for improved and consistent credit information seruices. Towards this end, the Bangko Sentral hereby issues the following guidelines governing the mandatory adoption of the SBLAF. Definition of Terms. For the purposes of this Section, the following defi nitions shall apply: a. Business loan - refers to secured or unsecured loans extended to an enterprise and natural person to finance business operations and capital expenditures.

b. Cooperative - refers to an autonomous and duly registered association of persons as defined under Republic Act (R.A.) No. 9520, otherwise known as the Philippine Cooperative Code of 2OO8. Corporation - refers to an artificial being created by operation of law, having the right of succession and the powers, attributes, and properties expressly authorized by law or incidental to its existence as described under R.A. No. 11232. otherwise known as the Flevised Corporation Code of the Philippines. d. MSMEs- refer to MSMEs as defined in Sec.332 (Definition of terms)of the MORB. One Person Corporation - refers to a corporation with a single stockholder as described under Fl.A. No.11232. f. Partnership- refers to a juridical entity where two or more individuals combine their capital, property, skills or labor, or all of these, for the transaction of a lawful business for gain, upon an understanding that profits or losses shall be shared or borne by them in certain proportions as described under Article 1767 of R.A. No. 386, otherwise known as the Civil Code of the Philippines. g. SBAF- refers to the prescribed templates for loan application which serves as the primary application screening tool to be accomplished by the borrower. The SBLAF templates have two (2) components: (i) the borrower information sheet; and (ii) the list of supporting documents. Unless otherwise stated, "SBLAF templates" as used in these guidelines collectively refer to these two (2)components. There are two kinds of SBLAF based on the type of applicant-borrower: a) For individual and sole proprietorship, (lSP) (Annex A-l); and b) For cooperative, partnership, and corporation, including one- person corporation (CPC) (Annex A-2). h. Startup - refers to any person or registered entity in the Philippines which aims to develop an innovative product, process, or business model as defined under R.A. No. 11337, otherwise known as the Innovative Startup Act, and its lmplementing Flules and Flegulations. i. Sole proprietorship - refers to a business structure owned by an individualwho has full control and authority over the business. j. Secured loan- refers to a loan or a portion thereof which is secured by a or combination of physical collateral, financial guarantee, or other instruments, that are enforceable, realizable, and marketable and meets the standards prescribed under Secs. 1431143-Q1122-N (Credit granting and loan evaluation/analysis process and underwriting standards) and 3o3f3o2-q/3o4-N of the MoRB/MoRNBFl. k. Unsecured loan - refers to a loan or a portion thereof which is not secured in accordance with item "j" above. Page 2 ofS

Scope of Application. Covered entities. The guidelines shall be applicable to the following BSFIs offering business loans to applicant-borrowers as covered under this Section: fl) Banks and their subsidiary/affiliate financing and leasing companies; (2) Government Non-Bank Financial Institutions (NBFls); and (3) Financing/easing companies with Quasi-Banking (QB) license that are not subsidiaries of banks. b. Covered loan application.The SBLAF templates shall be used for loan applications that meet the following: (l) Applicant-borrower. Must be a sole proprietorship, partnership, cooperative, or corporation, each classified as an MSME or startup and natural person proposing to do business; (2) Loan Purpose. Financing of business operations and capital expenditures. Credit accommodations for non-business or personal purposes such as education, hospitalization, emergency, travel, household and other personal consumption needs are outside the scope of these guidelines; and (3) Loan security. Secured or unsecured loan. Guidelines for the Use and Adoption of the SBIAF. All covered entities shall strictly adhere to the following guidelines for the adoption of the SBLAF templates: a. The SBLAF templates shall be the sole forms that will be used for covered loan applications. Covered entities are precluded from modiffing the templates to preserve the format and minimum information requirements contained therein. Covered entities shall ensure that the SBLAF templates are accessible in all channels (i.e., branches, agents, and online portals), where the borrowers can submit a covered loan application. b. The SBLAF templates can be made available in printed form and/or electronic form, as applicable. Electronic form shall include, but not limited to the following: printable document file (e.9., portable document format (PDF) or MS Excel) which can be filled out electronically and/or printed for submission to financial institutions; and software-, mobile application- and/or web-based forms designed for automated data capture and processing. Electronic signature shall be accepted to authenticate or provide consent in the electronic form. The printable document electronic form shall mirror the printed form of the SBLAF templates. lf using other electronic forms, covered entities shall ensure that these contain, as in the printed form, the same: data fields which shall be in the same presentation order to the extent practicable; cohs€ht statements; and list of supporting documents. Further, the use of these other electronic forms shall be subject to applicable regulations on information technology, data privacy and cybersecurity, among others as provided under Sec.l48l47-Qn26-N. Page 3 ofs

c. The SBLAF shall serve as the covered entities' primary loan application screening tool. On a case-to-case basis, covered entities may request additional information and supporting documents commensurate to the borrower's risk profile in support of sound credit risk management practices and customer due diligence measures. d. The supporting documents listed in the SBLAFs shall not be construed as standard requirements for loan applications. The list shall serve as guide for borrowers who may provide only the pertinent documents to their loan application. e. Covered entities shall use the SBLAF templates for new covered loan applications, additional loans and renewal and restructuring of existing loans. In case of loan renewal and/or restructuring, covered entities may indicate in their lending guidelines that borrowers may only provide updates on their personal information and/or business profile, as applicable; otherwise, borrowers may indicate "no updates from previous submission" Covered entities shall reflect in their policies on credit, anti-money laundering (AML), countering terrorism and proliferation financing (CTPF), and consumer protection, the adoption of the SBLAF templates, as updated should there be any future revisions made thereto by the Bangko Sentral, for their business loan offering. Eualuation of Loan Applications using the SBLAF. Loan applications using the SBLAF templates shall be evaluated and processed in accordance with the covered entity's approved credit policies, tools and standards. Anti-Money Laundering and Countering Terrorism and Proliferation Financing Regulations. All covered entities shall continue to observe applicable AML/CTPF requirements under Part Nine of this Manual. Consumer Protection. All covered entities shall strictly adhere to the pertinent provisions of Fl.A. No. 1t765, or'Financial Products and Services Consumer Protection Act of 2022," their implementing rules and regulations, and the rules and guidelines on financial consumer protection under Sec. I OO2I OO2-Q,tO2-N. SBLAF Report. Covered entities shall submit quarterly and annual reports using the prescribed format (Annexes B-l and B-2) to the Department of Supervisory Analytics (DSA). The said reports shall be considered Category A-3 and shall be electronically submitted within fifteen (15) banking days after end of the reference period, in accordance with A p pe n d ix 7/Q -3/N - l. The electronic submission of the SBLAF Fleport shall conform with the prescribed submission procedures and guidelines covering the required format structure, line-item instructions, validation rules and appropriate technology for reporting, among others. Erroneous, delayed, erroneous and delayed, or unsubmitted reports shall be subject to penalties prescribed under Sec. 171 (Sanctions on reports for non-compliance with the reporting standardsnlT2-Q (Sanctions in case of willful delay in the submission of reports/refusal to Page 4 of5

permit examination)/143-N (sanctions in case of willful delay in the su bmission of reports ). Enforcement Actions. Consistent with the provisions under Sec. OOZ|OO?-Q/OOI-N, the Bangko Sentral may deploy enforcement actions to promote adherence with the requirements set out in this Section and bring about corrective actions to ensure appropriate and consistent adoption of the SBLAF. In this respect, the Bangko Sentral may issue directives or impose sanctions on the BSFI and its directors, officers and/or employees concerned for noted supervisory issues on the adoption of the standard form. Section 2. Transitory Provision. The following transitory provision shall be incorporated as a footnote to Section 3O7BO6-Q|BO8-N Mandatory Adoption of the Standard Business Loan Application Form: All covered entities shall comply with the applicable requirements prescribed herein within one (1) year and six (6) months from the effectivity of this Circular. Section 3. Updating of the SBLAF. The Bangko Sentral, in consultation with relevant stakeholders, may review and update as necessary the SBLAF templates. Updates to the SBLAF shall be disseminated through a memorandum to all covered entities. Section 4. Appendix 7 of the MORB on the Reports Required of Banks and Appendices Q-3 and N-l of the MORNBFI on the List of Reports F?equired from Quasi-banks and from Non-Bank Financial lnstitutions, respectively, are hereby amended as shown in Annex C of this Circular. Section 5. Other Provision. Separate regulatory issuance may be issued on the incentives for early adopters of the SBLAF templates. Section 6. Effectivity. the Circular shall take effect fifteen (15) calendar days following its publication in the Official Gazette or any newspaper of general circulation. FOR THE MONETARY BOARD: - r:, l td.-- T^r- FELIPE M. MEDALLA Governor @ September2C.22 Page 5 ofS

Ann.x A-l ill New Application ! lAdditional Loan l-l Rcnewal ll1 Rstructuring 4' tir. d kr\t t\l.q\ti t! l<silrttnvri tlt llilrr rrf.{r/i}i.r fu,ut rtt',,i',t''. {rrfrrrir!;.i!'r ti Lt ii 16 |fr *" I!:.}1 pori:tr,i,t,i: BUSINESS LOAN APPTICATION FORM PHOTO . . A,. B.o.RR9WER AryP qu.lrI-rss,!NioRMAr!oNt Name of Eorrower: (Fitst Name) (yi(!!e N6lt:1":1. (Lost Nortle) . lsuff!1, tfgpp!!:Cblq): { Civil Status: t.l Single t..l Widow/er Date of Birth:/nnr/dcJ/ywy) , Place of Elrlht Nuniripality/Ctty. Ptovin(d Sex: t I Male iJ Married tl Annulled i n Female li1 Separated fcltizenshin: I Name of Spouse: ir Daie of Birlh:. (nn/dd/yyyy) ; (First Nome) (Middle Nante) (Last Nante) {Suffix, if opplrcoble} Home Addresst (UDit t, SLti[drtg/Hsuse ,, Sl]eet, Subdwisiot( Batongny/ 'Home l l Owned (unencurnberedl [] Reniecl Distrkt, Munkip(lu/ (ity, ptuvbte, Ziyt Code) laddress t] Owned (rnortgagecl) tr Living with relatives t 1.,,..,,.,,, -.. .,...... .,,..,.,,.,,,,,,.., i,!,:lg!h.gJ -stay.lt' !gs"!.!gni .,,,, __, yqgrs I tandf ine No. (Area Code, Number)'. Mobile No.: i Email Address: t\ i \--J- I tnn: : PhilSyr: I Other Govemment-issued lD (Ptease specify type/number): t, 1 ' li Mother'r Maiden Name: l, I fFrrsf Ndlnel (Middle Name) (Lott Nome) (Suffix, if opplkable) :j Reglstered Busines Name Orode NomeJ: :i Principaf Eusiness Addre315i ']Unit t, Svitding/ Hotse 't, stt@t, slbdivitiany' Bdtoigoy,/ Dittt;.t. i Business addrass ownership: li Yearr the Euslness has :l Muncipahty/City, Ptovit@, Ztp tode) i' been in operation: i I Owned (unencumberecl) --' :i ls this similar to Honre Address? t i Yes n No (f no, kindly provicle the rletoits) I ;U ;.::_:; rl Owned :-l,:- -:; (mortgagedl -- --- !€4re i 11 i 0 Rentecl ,: Number of branches: ri Website/social media (Euskvss)i i lndicate whether the busincss has:2 I, t D Fernale Manager/s I I fl F91a!.e head offlger for opcrations/adnr!{1tgat1yg lelyges ' waturf or gusinesi raor"a;n Pi ti ,"f|rcrcrt, I Pleare specify business actlvitlr: 1: ii :l ' , :Eurlna:$ rtgirtt€tlqil ,l t;t"tilil;Rtil*"i,"iilftrtit6 (mn/dduYW) orn *l;iill,i fiqgirtratlon Numbrr ,! ,' ,. (che* ollthat a ly) .: ,.:. . 1 | lmm,/dd/YWY) . NDTI : NBIR : . fl Barangay/Mayor's Permit . n Others (Please specify): : 1 i Firm Sizel (Totol assets exclusive of the [and on whiclt the business entity's offirc, plnnt ond equiptnent are situated) I f Ulgro {1o! more than Php 3M! I Small {Php3.000,001 to 15M) C Medium (Phpl5,000,001 to 100M) i nnnual Sales or Revenue: Number of employeegi {Pleate inda.ate all paid employees and/or directly htvolved in business operotions) ipr'p.r,||-time:-Part-time/Contractua|:--- *-- " tSn"ltt-df R'i|iwn*-,t*eq8if'ffit#?urr"s*fgryl . --' 'i : Goods supplied/services : ---'--- person 1 Name of rop suppliers : Rendered : contact contact Numbar Name of Top Customers Contact Perron Contact Number B. TOAN APPLICATION INFORMATION |-oanamortnt!PP|iedfor1'ublectta1!rc77groua.t..?fth:b!!k'|:u:|h,P-.| Tenor; _, months Proposed frequency of repayment5: 1,1 Weekly . Montfily Ll Quafterly - Annually - Lymp Sutn - Othefs tPlease specifr'). l-"1 Loan I Credit Line l: Loan tl Working capital lrnclading F-ervdbies q4d irve$oty {ivrcil\g) ;-I uustness expansro|l Facility: D Term Loan i:Purpose: I Construction/Oevelopment of real estate D Purchase of equipment/motor vehicles D Others (PleasPtpeaft) ) - Acquisition of real estate Purchase of biological asset ll Loan takeout/refinancing ll Others Pteote speeff). ]Addit|ot1a|borrowe(infcr|]El&n3u.hn!|]utnotltfitedtothefo||*vin9mayobt6incdU9i politi.ally expoeed persotl (PEFI and toreign A{co{nt lrx Coftpii6r.s A{t iFATCA) 6pproval of your lodn app|cilior1. " Sub.ject to bnnk verifici{ion 'the si?e of the fifln is bei'g collerled for the BSP s nonilorirlg [urpDrcr. ! Ar may be arrplicable

Type of D Unsecured Loan lf secured, colloterol/s ond/or surety/ies ollerid: Loan: i n Secured Loan li tr L€an *qqrqd by regl estate (e.g., lond, building) ,t ii D Loan secured by movable property :1 ii tr Receivables & any other claims to payment tl Intellectual Property O Othefs elease spectfy). tl i; D Title docum ents (e.g., worclnuse receipt, bill of lodinq D Equipment :1 i; ,l liqnclal assers (e.s., deposits, llg.d1.!t.e. yty.ti!91 gompgny {oqel [-l Inventory ii D Loan bagked by third party credit guarantee/continuing suretyship 11 Name of Financial Year Type of Account : Type of Account Ownership lnstitution Opened : ! Savings D Checking tj E-wallet Ll Others (PIeose specify) i tr Personal I Business/ Merchant I trSavings tr Checking ! E-wallet n Others (Pleose specify) i tr Personal D Business/Merchant trSavings tr Checking n E wallet D Others (Pleose specify) E Personal D Business/Merchant tq{djM"-'pnlirflqi ii.';;;;i;i;;i;,;eis, e,e"11t ui;w;,;;;;i;it;i;; i';e$;;it;; Date Granted Maturity Date outstanding Collaterals offered Name of Financial Institution ' - amount (mm/yyyy) (mm/yyyy) i Loan (lf opplicoble, indicote if real estote | Balance movable prcperty, etc.) ' Name of Financial lnstitution Credit Limit :Outstanding Balance Type of Ownership n Personal I Business l/We hereby conlirm that all informatton and supportrng documents provided herein are true, accurate and complete and tTwe agree to notify the financial institution of any changes in any of the intormation supplied. Ihe financial institution can withdraw or cancel any loan approval if any major information and supporting do(uments are found to be materially inaccurate. l/We authorize the financial institution to obtain relevant informatioh as it may require concerning tlris application. l/We understand and agree that additional undertaking/declaration, not stated in this Iorm, may be required by the financial institution l/We hereby agree that this application shall be subject to applicable laws (8SP circulots, rules and regulotions) and policie5 of _ E: DATA PRIVACY CONSENT In compliance with the requirements of the Dala Privacy Act (DPA), l/we hereby authorize and give mylour consent to on the general use and sharing of information obtaihed ih the course of any transaction/s pursuant to my banking relationship with it Personal information and sensitive personal information5 may be collected, processed, stored, updated, or disclosed by the bank: a for legit;mate bank-related purposes and requests; b to implement transaations which the borrower requests, allows, or authorizes; c. tocomplywiththebank'sinternalpolicie5anditsreportingobligationstogovernmentauthoritiesunderapplicablelaws;and d. to offer and provide new or related produ(ts and servi(es of the bank, its affilaates and subsidiaries through mail, email, SMS or other means of communlcatron, l/We confirm that l/we amlare aware that, in case of unlawful acquisition. inarcuracy, and error, l/we have the right to a(cess, update, dispute, block, or correct certain persohal information, or withdraw mylour consent to lhe u5e of any information provided herein, subject to the rights and limitations under the DPA. l/We understand that this consent shall continue to be in effect for _ years or until expiration of the records retentjon limits set by applicable banking laws, whichever comes later. l/We further warrant that, prior to submitting to the financi6l institution any information (including personal information) o{ an individual; l/we have obtained all necessary authorizataons and consents as may be required by applicable confidentiality and data privaay laws or agreement to enable the bank to process such inform ation. l/We understand that should l/we wish to access, update, dispute, block, or correct certaan informataon, or withdraw consent to the use of any ot the inlormation provided herein, subject to the rights and limitations under the DPA, l/we may cohmunicale with the 's Data Protection Oflicer at and may lodge complaints with, and/or seek assistance from the National Privacy commission ast;rbli :ihinai tr!y/our cr edit!vor thire5s l/We understand and agree that additional data privacy provisions, not stated in this form, may be required by tlre financial inetitution l/We have read ahd understood ahd consent to be bound by all the terms and conditions staled above. Signature above Printed Name of Date Signature above Printed Name of Date Borrowel Co-Borrower/Spouse Third party credit guarantor and/or security grantor (r e., o person or entity who grcnts o security inter$t in collaterol to secure the obligotion of the bonower) Contact lnformation Printed Name Affiliation Relationship with Borrowel (oddress, contoct number) : l. :2. i3. behavior, and other information classified as "personal data", "personal information", or "sensitive personal information' under the DPA, and those of the Borrower's authorized reoresentative/s, as well as accounts, transactions, and communications.

CHECKTIST OF SUPPORTING DOCUMENTS The checklist enumerates the types of supporting documents that the borrower may present to facilitate the financial institution's evaluation of the loan application. Borrowers are nq! expected to provide all the listed documents but only those that are applicable to the loan application. After the initial loan application screening, additional information (using separate sheet or form) may be requested to further evaluate the loan application and the security being offered. The financial institution may also require additional documents, as deemed necessary. For the financial institution to better consider the application, additional post-approval documents not specified in the list may be reCuired, a1 anRl!cable, Basic Documents :r Securitv Documents (Pleose check opplicoble item/s) ir Filled-out and signed application form :t ' Photocopy of Transfer Certificate of Title (TCT)/ Clear copy of one (1) valid government-issued lD I Condominium Certificate of Title (CCT) ' Marriage contract, if applicable l: I Photocopy of Tax Declaration (for land and ;; improvement) Proof of business registration: (Pleose check opplicoble item/s) :r Location/Vicinity Map Certif icate of Registration with Bureau of Internal i: Land Transportation Office (LTO) Off icial Receipt (OR)/ Revenue (BlR) :: Certificate of Registration (CR) or Deed of Sale of i Certif icate of Registration with Department of rr Motor Vehicle Trade and Industry (DTl) li R"r"ruution Agreement or Contract to Sell or i Certif icate of Registration with Securities and ri Statement of Account (for Deed of Assignment (DOA) Exchange Commission (SEC) 1 accounts only) Certificate of Registration with Farmers and Fisherfolk Enterprise Development Information System 1 lf secured by a Continuing Suretyship: (F F E Dt5) ii Basic Documents (as enumerated in this form) of the Barangay Permit : Surety Mayor's Permit : Income Documents (as enumerated in this form) of the i Surety Personal lncome Documents (Pleose check opplicoble item/s) r lf construction loan I Latest Income Tax Return (lTR) or BIR Form 2316 : Building/Floor plan of proposed improvement Latest payslip for the past 2 months r Bill of materials Certificate of Employment (COE) with salary or : Specification of proposed finishes Employment Contract i Building permit Latest crew contact (for seafarers) I i: Proof of remittance for the oast 6 months r lf refinancing/loan take out Bank statements or photocopy of passbook for : Stut.t"nt of Account from current lender and official the past 6 months : receipts for the past 3 months I Lease contract (for rental income) !Others Proof of other income: : Appraisal fee : Additional security documents (pteose specify): Business Documents (Pleose check opplicoble item/s) I Photocopy of Audited Financial Statements for Post-approval requirements for real estate collateral-backed the past 3 years with latest ITR or Photocopy of in- loans house financial statements or pre-operating financial (Pleose check opplicoble item/s) state m e nts Original owner's copy of f CI/CCI I Business Plan/Business Proposal Original Tax Clearance I Photocopy of franchise agreement, if any I I Certified true copy of latest Tax Declaration Business background/Company profile I Insurance policy/ies (for properties with I Photocopy of purchase agreement improvements) I Others (pleose specify)'. Master Deed of Declaration (for condominium only) Photocopy of latest full year Real Estate Tax Receipt (RETR) Price quotation of the property (for property Other Pre-application Requirements a cq u is itio n) Billing statement of utilities for the past 3 I Affidavit of Consent to Mortgage Family Home mo nths Others fpledse specify): Stalement r:f Ar:r:ourrt f rom ctirrerrt lender anr.l official receipts for the past 3 nlonths fifloorl Other post-approval requirements purpose is refttrunctng/[ooil tdkeout) r General Information Sheet (GlS), if applicable I Others (please specify): ______________ r Special Power of Attorney, if applicable , Certificate of Ownership for movable oroperty (e.g., motor vehicles. etc.)

FOR BANK REFERENCE ONLY P}IItIPPIT'IE STAT{DARD INDU'TRIAI CLASSIFICATION (PSIC} .. ! 4'4!!. !! 1 ! 4 : !. !4'. ;..}:': a * | i ! i,:::..r. i. ! n: !''' +.. :. ! !: A - Agriculture, Forestry & Fishing B - Mining and Quarrying C - Manufacturing D - Electricity, Gas Steam and Air-conditioning Supply E- Water Supply, Sewerage, Waste Management and Remediation Activities F- Construction G - Wholesale & Retail Trade; Repair of Motor Vehicles & Motorcycles H - Transportation & Storage l- Accommodation & Food Services Activities J - lnformation & Communication K- Financial 8a Insurance Activities L- Real Estate Activities M - Professional. Scientific & Technical Activities N - Administrative & Support Service Activities O - Public Administration & Defense; Compulsory Social Security P - Education Q - Human Health & Social Work Activities R - Arts, Entertainment and Recreation S - Other Service Activities T - Activities of Household as Employers; Undifferentiated Goods- and- Services- Producing Activities of Households for Own Use U - Activities of Extraterritorial Organizations and Bodies

Annex A-2 I.l New Applicarion [. ] Additional Lmn ll-l Rencwal fJ Rcrtrurturing ,i tn\, q4 l(yt! )ttk:s,!iy lt tr,tt\hrtNi\t, att !r.!'. atty rptkttf\ it,\, ttttr/r, lrtrrx(\kr!t ! | yas n t\to t f t-.. i "rili, q,!;r' ii 14 i BUSINESS LOAN APPLICATION FORM A:.P-usrNEss t!!IoRlr{ArtoN .. Registered Business Name {Irode Nanr€J: nrinctpaliutin"ttAddress:(ttrit 4.Btxldrng/tlouseti. ltEet.Stth(1tv$i4!1,'BtTtongnj,,Otsttirt. l'lutvtipaht.y/City,Pmturte.Ztlt{dr} Website/soclal media (Businesr): tllN: Business address l*l Owned (unencumbered) ,Years the Eusiness has been in Number of branchec: ownenthip: L] Owned (mortgaged) oparation: years Number of subsidiaries; fl Rented Nature of Business (Based art PSIC referentei - Please specify business activitlr: i illi*#"; N DTI n sEc N BIR [l Barangay/Mayor's Perrnit D Others (Please spec(y). lndicate whether the lf ls at least 51% (majority) owned hy femalels business:1 [-] ls at least 20% owned by femalels; AND (i) has at least I woman as CtO/C0OlPresident/Vice President AND {ii} 309o of directors cornposed of wsmen, where a board exisls Firm Size' (Total ossets exchrsive of the lond on whkh the llusiness entity's office, plont ond equipnent are situated) ' D Micro (not more than Php 3M) :l !m.1.!l (nnpr.,00o,oo ! t9'! ltvtl il Medium (Php15,000.001 to 100M) Annual Sales or Revenue: Number of employees: (please bdi{ate oll paid etnployees andlor dirxtly involvetl in busitrcss operations) Php Full-time: Fart-tinre,icontractual. B. CONTACT INFORMATION4 Authorlzed Reprc*nte{vc 1: :Governmanl lD: i (First Norne) {Middle Nanw) lLast Nnne) {Suffix, if opplicoble) : r Date of Birth punen,yyyg 1 Mobile Number: it Landline No. (AEa code, Nrotl,eri iEmail Addresg: i Sex: tl Male t...1 female ii Authttirtd Rcprarentatlvr 2: lGovernment lD: - ** ....-fi!:l.I::t".?1 ".. (Middle Nane) (Lost Name) (Su fftx, if o p p I ir o b I e) Date of Eirlh tinn/dd/ww, Mobile Number: :i Landllne No, lAreo cod4 Nun,ber) Emiil Address: ,i S€x: D Male . n Female ffi Supplied/ jGoods @],",,;;;,1.;,,"i:i'!{.;::l::,.,.,1.', Services Rendeledl , Contact ..-. Person ;,,r,r, ": . l . ..::i t Contact Number : :: u: : I ruim- rop cuitom.ri , Goods Purchased/Services Availed Contact Person Coniact Number "t i: C. tOAN APPtICATION INFORMATION i Loan amount applied foJ gubject to the dpproval of the bonkl: Php --- iTenor months i Proposed frequency of X Weekly - Monthly ll Quarterly - Annually C Lump sum I Others ftpase -- spedfyJ. tr repayments: 1i Loan D Credit Line ii Loan C Working capital firrdrrairg ecpivnblet aftd irvEqtory frKacngi l Business expansion r facility: ! Term Loan ,: Purpose: n Construction,iDevelopment of real estate I Purchase of equipment/motor vehicles 1 n Others iPleose specrly,t i n Ac0uisition of real estate l-* Purchasp of biological asset i tf Loan takeout/refinancing i Othets et*tesoecify!. ___ Type of D Unsecured Loan lf secured lo9n, p$a1g ryoyk ?ppropriot? b9.x/?l: Loan: I Securecl Loarr I Lo.qn secured by real €state (e:9., land, buildings) [.] Loan secured by movable prop€rty; , l Receivables &.:ny other claims to payment I I Intellectual Property Qtlrcr s ( Ple ose spec ify): :. f Title docunrents {eg.. wdrchoule {e.ei!t. biit ofloditg) I l Equiprnent r l Financialassets {eg..d.pcsils.tradabiesetutitiet.etlpanysheesi i ,lnv€ntory [] Loan backed by third party cr€dit guarante€/continuing suretyship npprovnl ol your lonn appli(atioD. 2 subject to bank vertication 'The size the lirrn ii brin., catlederl lor lhe BSP'! n(iflitrrirllj purpoees a Additionil borrowe polrtically expored perron {pEP) and Foreiqn A(count I!r Cosplinnre A$ IIAICA)

. D. FINANCIAL INFORMATION Source of Funds for E Revenue fl Savings and/or Investment ,i.;: : '].;ir): Name of Financial Type of Account ownership Type of Account ^t:it, I nstitution opened Ll Savings f Checking fl E-wallet D Others tPleose specilyl '! Personal I Business/Merchant D Savings tr Checking tr E-wallet ! Others (PIease specify) fl Personal ! Business/Merchant ! Savings D Checking tr E-wallet I Others (Pleose specify) r[] Personal ! Business/Merchant i{,i,;,;,,,i.,,'itt;::l',,i; ,:1:,|i1,i"ti1l,it;;i;.|,iiiit,ttii.ll Date Grant€d ; Maturity Date Outstandinq _ Collaterals offered - B;r;;;t - ""T;r:,t jiff,T'i"l , Lo"n amounr (if"ppt#:::"i,{1i1i,"",,N.,!,1,,"',"," (mm/yyyy) | (mn/yyYy) i :;}*#$f.*19".f.#.ft rti!.4,ietr4ANhil#a..tii.!..!,f:ir#,r:hiifiL$ii,itfpifii8i-qiSta-$=s tl,$d#i $r*i{$r},/= Name of Financial Credit Limit Outstanding Balance Type of Ownership I nstitution n Pertonal ! Busineis E Personal fl Business ! Personal ! Business E. UNDERTAKING/DEI.ARATION : l,/We hereby confirm that all information and supporting documents provided herein are lrue, accurate and complete and l/we agree to notify the financial institution : of any changes in any of the information supplied. The linancial institution can withdraw or cancel any loan approval if any major information and supporting documents : are found to be materially inaccurate. : l/We authorize the financial institution to obtain relevant inlormatioh as it may require concerning this application. I l/We understand and agree that additional undertaking/declaration, not stated in this form, may be required by the financial institution. : F. DATA PRIVACY CONSENT iin.o.pt,"n."*rththerequirementsoftheDataPr|va(yACt1oeli,lz*"r'","oyuuir,.,i'.and9ivemy/our(on5entlo i and sharing of information obtained in the course of any transaction/s pursuant to my banking relationship with it. Personal information and sensitive personal :i information6 may be collected, processed, stored, updated, or disclosed by the bank: ii a. for legitimate bank-related purposes and requests; :i b. to implement transactions which the borrower requestS, allows, or aulhorizes; ;i c. to comply with the bank's ihternal policies and its reporting obligations to government authorities under applicable laws; and t, d. to offer and provide new or relat€d products and services of the bank, its atfiliates and subsidiaries through mail, email, SN,IS or other means of communication :' l/We confirm that l/we amlare aware that, in case of unlawful acquisition, inaccuracy, and error, l/we have the right to access, update, dispute, block, or correct certain t: personalinformatjon,orwithdrawmy/ourconsenttotheuseofanyinformationprovidedherein,subjecttotherightsandlimitationsundertheDPA. i: l/We understand that this consent shall continue to be in effect lo( _ years or until expiration of the records retention limits set by applicable banking laws, j whichever comes later. I l/We further warrant that, prior to submitting to the financial institution any information (including personal information) of an individual; l/we have obtained all necessary authorizations and consents as may be required by applicable confidentiality and data privacy laws or agreement to enable the bank to process such iinformation i l/We understand that should l/we wigh to access, update, dispute, block, or correct certain inlormation, or withdraw consent to the use of any of th€ information provided herein, subject to the rights and limitations under the DPA, l/we may communicate with the 's Data Protection Offi.er at and may lodge complaints with, and/or seek assistance from the National Privacy Commission l/We understand that mylour basic credit data, as well as any regular updates or corrections thereof, are mandaled to be submitted to the Credit Information Corporataon (ClC) pursuant to R.A. 9150 and its Implementing Rules and Regulations for consolidation and disclosure as may be authorized by the ClC. Consequently my/our basic credit data may thus be shared with other lenders authorized by the ClC, and other reporting agenciee duly accredited by the ClC, for the purpose of establishing mylour creditworthiness. l/We understand and agree that additional data privacy provisions, not stated in this form, may be required by the financial institution l/We have read and understood and consent to be bound by all the terms and conditions staled above Signature above Printed Name and Date Designation of Authorized Signatories Thirdpartycreditguarantorand/orsecuritygran|o|(i'e',opersono|entitywhogrontsosecUityinterestinco Contact lnformation Relationship with Printed Name Affiliation (oddress, contoct Borrower number) 't. ? 3

CHECKTIST OF SUPPORTING DOCUMENTS The checklist enumerates the types of supporting documents that the borrower may present to facilitate the financial institution'sevaluationoftheloanapplication. Borrowersarelq!expectedtoprovideall thelisteddocumentsbut only those that are applicable. After the initial loan application screening, additional information (using separate sheet or form) may be requested to further evaluate the loan application and the security being offered. The financial institution may also require additional documents, as deemed necessary. For the financial institution to better consider the application, additional post-approval documents not specified in the list may be required, as applicable. ;;;i;;..;;il - Supporting documents for secured loan Filled-out and signed application form SecuriW Documents (Pleose check opplicoble item/s) Clear copy of one (1) valid government- Photocopy of Transfer Certificate of Title (TCT)/ issued lD of authorized representative, if Condominium Certificate of Title (CCT) applica ble Photocopy of Tax Declaration (for land and Board/Partnership Resolution or Secretary's improvement) Certificate authorizing the loan and Location/Vicinity Map indicating the authorized person/s to Land Transportation Office (LTO) Official Receipt (OR)/ transact with the bank and sion relevant Certificate of Registration (CR) or Deed of Sale of Motor docu ments Vehicle Special Power of Attorney, if applicable Reservation Agreement or Contract to Sell or Statement Certif icate of Registration with Farmers and Fisherfolk Enterprise Development of Account (for Deed of Assignment (DOA) accounts Information System (FFEDIS) only) lf secured by a Continuing Suretyship: Basic Documents (as enumerated in this form) of the Proof of Business Registration and Supporting Documents Surety (Pleose check opplicoble item/s) Income Documents (as enumerated in this form) of the Cooperative Surety Certif icate of Registration with Cooperative Development Authority (CDA) lf construction loan Certificate of Compliance, if applicable Building/Floor plan of proposed improvemenl List of elected officers Bill of materials Partnership Specification of proposed finishes I Certificate of Registration with Securities il Building permit and Exchange Commission (SEC) I Articles of Partnership Others Corporation/One-person Corporation Appraisal fee I Certificate of Registration with SEC I Additional security documents (Pleose specify)'. General Information Sheet (GlS), if a pplicable Latest amended Articles of Incorporation Post-approval reouirements for real estate collateral-backed and By-Laws loans (Pleose check opplicoble item/s) f ncome Documents (Pleose check opplicoble item/s) I : Original owner's copy of TCT/CCI Photocopy of Audited Financial Statements Original Tax Clearance for the past 3 years with latest Income Tax Certified true copy of latest Tax Declaration Return (lTR) or Photocopy of in-house Insurance policy/ies (for properties with improvements) financial statements or pre-operating Master Deed of Declaration (for condominium only) financial statements Photocopy of latest full year Real Estate Tax Receipt Bank statements or photocopy of passbook ( RETR) for the oast 6 months Price quotation of the property (for property I Business background/Company profile acqui sition) i Proof of other income, if any Affidavit of Consent to Mortgage Family Home others rpledse specify): Other Suoporting Documents Billing statement of utilities for the past 3 months Other post-approval reqlrirements r Statement of Account frorn crirrent lencler r Certif icate of Ownership for movable property (e.9., and official receipts for the past 3 months iif motor vehic(es. etc.) Ioan purpose is refinoncing/loon tokeout) I others (pleose specify)'.

FOR BANK REFERENCE ONIY

Annex B-I REPORT ON BUSINESS LOAN APPLTCATIONS USING SBLAF TEMPLATES (Solo Basis) Form I For the quarter ended: (quarter), (year) Name of Covered Entity: Particulars Number of Loan Applications Ave. No. Amount of of Banking Approved Days to Loans Processn Approved Under Received Secured Unsecured Reiected Evaluation Firm Sizez i{,$H '- :'l'- i j : " :rhfr rl: I Micro (not more than P3M) Small(P3,OOO,OOI to PI5M) Medium (Pl5,OOO,OOI to PlooM) ::r.. : I Industrv , a --.,: ; Agriculture, Forestry and Fishinq Mininq and Quarrvinq Manufacturinq Electricity, Gas, Steam and Air-Conditioning ,; ri:lrrit' Srrnnlv , Water su pply, Sewerage, Waste management and Remed iation Activities jlr Construction Wholesale and Retail ;1, i Trade, Repair of Motor !:t Vehicles. Motorcvcles ti Accommodation and Food Service Activities .::lg:itt:; Transportation and Storaqe lnformation and Communication Financial and lnsurance Activities Fleal Estate Activities ,rt i:iiilt t Professional, Scientifi c and Technical Activities Administrative and Su pport Service Activities Public Administration and Defense; Compulsory Social Securitv

Annex B-l Education n Start of loan processing is defined from the date of receipt of loan application, including basic supporting loan documents as indicated in the SBLAF templates, while end is defined as the date of release of loan proceeds /2 Based on asset size (fotal assets exclusive of the land on which the entity's office, plant and equipment are situated) R For applications using CPC form, tag under female if either tickbox is checked for a) ls at least 5l%o (majority) owned by female/s or b) ls at least 2O0,6 owned by female/s; AND (i) has at least I woman as CEO/COO/President/Vice President; AND (ii)30% of directors composed of women, where a board exists ,B For applications using ISP form, tag under female if sex of the borrower is as such

Annex B-2 REPORT oN BUSINESS LOAN APPLICATIONS USINC SBLAF TEMPTATES (Solo Basis) Form l For the period: 1 January to 3l December, (year) Name of Covered Entity: Particulars Number of Loan Applications Ave. No. Amount of of Banking Approved Days to Loans Processl Approved Under Received Secured Unsecured Reiected Evaluation Firm Size/2 #ffi# Micro (not more than PsM) Small(P3,OOO,OO] to PIsM) Medium (PI5,OOO,OOI to PlooM) Industry i*?-:.l{!r-J Agriculture, Forestry and Fishino Mininq and Ouarrvinq Manufacturinq Electricity, Gas, Steam and Air-Conditioning Suoplv Water supply, Sewerage, I Waste management and Remed iation Activities Construction rr\'.1#Z;i Wholesale and Retail Trade, Repair of Motor Vehicles. Motorcvcles Accommodation and Food Service Activities Transportation and riilil Storaqe I ilii:r:i lnformation and Communication Financial and lnsurance Activities i Fleal Estate Activities !ll1i&1rl Professional, Scientific and Technical Activities Administrative and Su pport Service Activities Public Administration and Defense; Compulsory Social Security

Annex B-2 Education n Start of loan processing is defined from the date of receipt of loan application, including basic supporting loan documents, as indicated in the SBLAF templates, while end is defined as the date of release of loan proceeds ,/2 Based on asset size (Total assets exclusive of the land on which the entity s office, plant and equipment are situated) R For applications using CPC form, tag under female if either tickbox is checked for a) ls at least 510/6 (majority) owned by female/s or b) ls at least 2ooh owned by female/s;AND (i) has at least I woman as CEO/COO/President/Vice President: AND (ii) 3A% of directors composed of women, where a board exists ,/3 For applications using ISP form, tag under female if sex of the borrower is as such

Annex C Appendix 7of the MORB - Report Required of Banks A. UB/KBs Cateqory Form No. MOR Ref. Report Title Frequency Submission Deadline Submission Procedure '15 Report on Business Loan Quarterly and banking days from the A-5 Section 3O7 Applications Usinq SBLAF Annuallv end of reference ouarter email to DSA Cateqorv Form No. MOR Ref. Reoort Title Frequency Submission Deadline Submission Procedure Report on Business Loan Quarterly and 15 banking days from the A-3 Section 3O7 Applications Usinq SBLAF Annuallv end of reference quarter email to DsA c. Cateqorv Form No. MOR Ref. Report Title Freouencv Submission Deadline Submission Procedure Report on Business Loan Quarterly and 15 banking days from the A-3 Section 3O7 Aoolications Usinq SBLAF Annuallv end of reference ouarter email to DSA Appendix Q-3 of the MORNBFI - List of Reports Required from Quasi-Banks Seconda Cateqory Form No. MOR Ref. Fleport Title Frequency Submission Deadline Submission Procedure Section Report on Business Loan Quarterly and 15 banking days from the A-3 306-O Applications Usinq SBLAF Annuallv end of reference quarter email to DSA Appendix N-l of the MORNBFI - List of Reports Required from Non-Bank Financial lnstitutions Seconda Cateqorv Form No. MOR Ref. Fleport Title Frequencv Submission Deadline Submission Procedure Section Report on Business Loan Quarterly and 15 banking days from the A-3 307-N Apolications Usinq SBLAF Annuallv end of reference ouarter email to DSA