STATEMENT OF ACCOUNT

2011221131744000610006766

000001

CARFIELO, MARIVIC DACUA

Account No. Billing Period Payment Due Date Total Amount Due (P)

: 020-388-00106767-4 : January 21 - February 20 : March 10, 2011 : 1,165.39

Minimum Amount Due (P) : 1,165.39

Page 1 of 5

000001_000000_Feb 23 2011

Page 2 of 5

000001_000001_Feb 23 2011

STATEMENT OF ACCOUNT

2011221131744000610006766

CARFIELO, MARIVIC DACUA

Account No. Billing Period Payment Due Date Total Amount Due (P)

: 020-388-00106767-4 : January 21 - February 20 : March 10, 2011 : 1,165.39

Minimum Amount Due (P) : 1,165.39

Approved Credit Limit P 20,000.00 Previous Balance P 1,296.71 (+)Cash Advances & Purchases P 0.00 (+)Installments P 1,360.77

Available Credit Limit P 3,764.92 (-)Payments & Other Credits P 1,500.86 (+)Finance Charge P 8.77

Monthly Interest Rate on Revolving 2.50% per mo. (+)Late Charge P 0.00 (=)Total Amount Due P 1,165.39

TRANSACTION DATE

REFERENCE NO.

DESCRIPTION

AMOUNT

TOTAL

02/10/11 02/18/11

000000000999999 000000011157237

Balance from Previous Statement Payments Received - Thank You! Prime Rebate Loan Payment - Cash Subtotal for Payments Cash Advances and Purchases (revolving loan) Interest Due Subtotal for Cash Advances and Purchases Installment Transactions (fixed term) Loan Availment-Deferred ATM 24 mos. (11/24) Loan Availment-Deferred ATM 24 mos. (10/24) Loan Availment-Deferred ATM 24 mos. (4/24) Subtotal for Installment Transactions GRAND TOTAL End of Statement

1,296.71 0.86 1,500.00 1,500.86 8.77 8.77 591.64 591.64 177.49 1,360.77 1,165.39

02/20/11

000000000999999

02/20/11 02/20/11 02/20/11

020388008780736 020388008965235 020388010879103

020-388-00106767-4
000001_000001_Feb 23 2011

March 10, 2011

P 1,165.39

P 1,165.39

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SUMMARY OF YOUR INSTALLMENT TRANSACTIONS AS OF Early Settlement Balance Monthly Add-On Months Rate on Unbilled Installment

Availment Date

Reference No.

Description

Availed Amount

Availed Monthly Term Amortization

Previous Availments 04/09/2010 020388008780736 Loan Availment-Deferred ATM 24 mos. 04/28/2010 020388008965235 Loan Availment-Deferred ATM 24 mos. 11/05/2010 020388010879103 Loan Availment-Deferred ATM 24 mos. SUB TOTAL GRAND TOTAL

10,000.00 10,000.00 3,000.00 23,000.00 23,000.00

24 24 24

591.64 591.64 177.49 1,360.77 1,360.77

6,890.17 7,277.34 2,791.92

13 14 20

1.75% 1.75% 1.75%

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000001_000002_Feb 23 2011

MINIMUM AMOUNT DUE AS OF CUT-OFF DATE Revolving Transactions P 0.00 5% minimum amount due Non-Deferrable Amounts Installment Transactions Late Charge for the period Past due (Pay Immediately) Excess availments as of end of cut-off period Minimum Amount Due (Pay on or before March 10, 2011) 0.00

IMPORTANT REMINDERS:

1.) Early

Settlement Balance

1,165.39 0.00 0.00 0.00 ---------------1,165.39 P ================

Should you want to settle your account ahead of its due date, call CSD at (02) 845-8888 anytime, any day.

2.) Payment

Options

For your convenience, PSBank Flexi payments are accepted over the counter in all PSBank branches nationwide, PSBank Remote Banking, Bancnet ATMs, BancNet Online & via Auto Debit Arrangement. Payment through BancNet Online requires no enrollment, just visit BancNet Online (www.bancnetonline.com), and pay using your ATM cards from member banks.

3.) How

to withdraw cash from PSBank Flexi:

We are still making further enhancements in our system to better serve you. In the meantime, if you wish to withdraw or pay your bills, please use the following ATM screen Options: l Money Card/Checking button displayed on the PSBank ATM screen l Checking or Current Button displayed on other bank's ATM screens

4.) Why

bring cash when you can have your own PSBank Flexi Personal Loan checkbook!

There's no need to bring large amounts of cash when you make purchases or fund projects using your PSBank Flexi. Get a PSBank Flexi checkbook! Experience greater ease and convenience when you make financial transactions and track your expenses. Your first checkbook is free if your credit limit is at least Php50,000. For inquiries, please call PSBank Customer Service Hotline at (02) 845-8888 anytime, any day, send a fax at (02) 845-0048 or email customerservice@psbank.com.ph

5.) Enjoy

PSBank Flexi Deals!

Shop with your PSBank Flexi ATM Card and get a 10% discount* on gadgets and accessories at A.Shop. You can also get a free Nike+Sensor for every purchase of a new iPod Touch or iPod Nano. Whats more, you also have the option of paying 6, 12, 24 and 36 monthly installments** to make it more convenient for you. Simply call (02) 885-8208 loc. 8533 and 8975, Mondays to Fridays, 8:30 am5:30 pm to specify your preferred payment term. For details, visit www.psbank.com.ph or contact 0918-88FLEXI (0918-8835394). Promo runs until March 15, 2011. Per DTI-NCR Permit No. 7830, Series of 2010
*Discount applicable to all iPod Touch, iPod Nano, other gadgets and accessories except laptops and desktops. **For PSBank Flexi/Money Card with deferred option only.

COMPUTATION OF YOUR AVAILABLE CREDIT LINE AS OF CUT-OFF DATE: 21-FEB-11 Approved Credit Limit P 20,000.00 (-)Total Amount Due P 1,165.39 (-)Uncleared Check Payments P 0.00 (-)Unbilled Principal Amount on Installment P 16,439.23 (+)Finance and other charges for the period P 8.77 (+)Total Installment Amortizations P 1,165.39 (=)Available Credit Limit
000001_000002_Feb 23 2011

3,764.92

Note: Finance, late charges, other fees and total installment amortizations will only be deducted from the available credit limit on payment due date. PSBank reserves the right to refuse any form of availment without the need of prior notice in case of expiration of the line or when the account is blocked as provided under the terms and conditions of the loan. For inquiries, please call Customer Serives Hotline (02) 845-8888 anytime, any-day. PSBank Center, 777 Paseo de Roxas cor. Sedeno St., Makati City 1226 www.psbank.com.ph TIN No. 320.000.663.983 Page 5 of 5