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1.1 These terms and conditions (“T&C” or “Terms”) govern the terms under which you will avail of the loan products of OwnBank through its OwnBank Personal Loan service. By applying for and availing of the OwnBank Personal Loan, you agree to be bound by the General Terms and Conditions (GT&Cs) of OwnBank accessible through this link: [insert link]. In case of conflict or inconsistency between the GT&Cs and these T&C, the terms of these T&C shall prevail.
1.2 Under these T&C, the terms “OwnBank”, “we”, “us”, and “our” refer to OwnBank, with its employees, directors, affiliates, successors, service providers, agents, and assigns. OwnBank is duly authorized to engage in the business of providing loan products.
1.3 The terms “you” and “your” refer to the applicant of OwnBank Personal Loan.
1.4 These T&C shall be effective, valid, and binding from the time that you signify your agreement to these T&C or have availed any of OwnBank’s products or services, including the OwnBank Personal Loan services, and will be in full force and effect up to the time that it is terminated by you or us, save for some provisions which shall remain effective after termination, as stated in this T&C, under any law, rule, or regulation.
2.1 Affiliates – refers to any person or entity controlled by, or under common control with, another person. For purposes of these T&C, any of the entities under the MVP Group of Companies, including but not limited to OwnBank Philippines, Inc., PLDT, Inc., Metro Pacific Investments Corporation, Smart Communications, Inc., The Manila Electric Company, Maynilad Water Services, Inc., Metro Pacific Tollways Corporation, and MediaQuest Holdings, Inc. shall be considered as Affiliates of OwnBank.
2.2 Agreement – refers to the agreement between you and OwnBank in relation to the OwnBank Personal Loan transaction.
2.3 Amortization Schedule – refers to the schedule attached to the Disclosure Statement, which includes the Monthly Installments that consist of the principal, interest, and other bank charges applicable for your loan.
2.4 Customer – refers to the person / party who avails of OwnBank Personal Loan from OwnBank.
2.5 Disclosure Statement (DS) – refers to the disclosure statement required under the Truth in Lending Act (Republic Act No. 3765) and other relevant laws and regulations.
2.6 Due Date – refers to the last date for payment of the Total Amount Due. After which, the OwnBank Personal Loan becomes delinquent and is subject to penalty fee if unpaid.
2.7 Effective Date – refers to the date when OwnBank Personal Loan was approved by OwnBank and you accept these terms, as stated in the Disclosure Statement.
2.8 Effective Interest Rate (EIR) – refers to the rate that precisely discounts estimated future cash flows through the life of the loan to the net amount of loan proceeds. It provides the borrower a complete and comparable total cost of credit. The EIR includes all charges incident to the extension of credit.
2.9 Late Penalty Fee – refers to the penalty fee that is incurred in your account for each day after the Due Date that you have any overdue principal balance in your OwnBank Personal Loan. The Late Penalty Fee will be calculated from the day immediately following the Due Date until full and final settlement of the overdue balance. You may refer to the exact computation in the OwnBank website.
2.10 Loan Amount – refers to the principal amount that was approved for your OwnBank Personal Loan.
2.11 Loan Booking Date – refers to the date the OwnBank Personal Loan was disbursed by OwnBank as stated in the Disclosure Statement.
2.12 Loan Tenor – refers to the period within which you are obliged to repay your loan. This is the number of months stated in your Disclosure Statement and Amortization Schedule.
2.13 OwnBank App – refers to the mobile application that serves as the interface between you and OwnBank, which terms of use shall be in accordance with the Terms and Conditions and User’s Guide found in the said OwnBank App or OwnBank Website.
2.14 OwnBank Personal Loan – refers to the installment cash loan product of OwnBank that will allow OwnBank customers to finance larger purchases, payable on a monthly basis through six or more installments.
2.15 Monthly Add-on Rate – refers to the total interest payable of your loan divided by your Loan Amount, split across the number of months in your Loan Tenor. Exact rate is disclosed through the OwnBank App and will also be indicated in your Disclosure Statement.
2.16 Monthly Installment – refers to the portion of your Loan Amount and the interest component that you must pay to OwnBank every Due Date, as stated in the Disclosure Statement and Amortization Schedule.
2.17 Nominated OwnBank Account – refers to either your e-wallet in the consumer app of OwnBank Philippines, Inc. (“OwnBank Wallet”) or your OwnBank Savings, which may be selected as the destination account of the Loan Amount and the source of fund for auto- deduction of the Total Amount Due.
2.18 Notice of Payment – refers to the notification sent by OwnBank through in- App notifications, and/or SMS (and other similar channels), and also accessible in OwnBank App, to inform you of the Total Amount Due for your OwnBank Personal Loan and the Due Date thereof.
2.19 Payment – refers to the regular payments done by you to OwnBank to pay off the Total Amount Due on or before the Due Date.
2.20 Outstanding Principal – refers to the unbilled principal amount of your OwnBank Personal Loan as of the current installment period.
2.21 Partner Channel – refers to the employer, enterprise, or business, in partnership agreement with OwnBank, who is authorized to collect application inquiries and requests related to OwnBank Personal Loan from their customers or employees who have provided consent to share their personal information with OwnBank.
2.22 Remaining Balance – refers to the balance from your Total Amount Due that is not yet paid as of the current date.
2.23 Service Fee – refers to the one-time fee that may be included in your Loan Amount, as applicable, upon the approval of your OwnBank Personal Loan. Exact service fee is disclosed in the OwnBank App and in your Disclosure Statement.
2.24 Total Amount Due or Amount Due – refers to the sum of all amounts payable on the Due Date, inclusive of the following:
2.25 Total Outstanding Balance – refers to the total amount you owe OwnBank that shall constitute the remaining Loan Amount, the total interest payable. and other applicable bank charges in relation to your loan availment, such as the documentary stamp tax and Service Fee (if any).
3.1 At your own discretion, you have applied for the OwnBank Personal Loan through the OwnBank App. You warrant that all the information you provided in your OwnBank Personal Loan application are valid, true, and correct. You also agree that any information or documents provided in support of the application shall remain property of OwnBank.
3.2 You authorize us to make, directly or through third parties, any inquiries necessary to verify your identity and to assess your capability to make payments in accordance with OwnBank Personal Loan policies. You further agree and authorize us to share such information with any company or business entity that is our subsidiary our holding company or a subsidiary of our holding companies (our “Affiliates”) or any other third party as may be relevant or necessary to carry out the above assessment by OwnBank.
3.3 You agree to periodically provide your updated duly stamped received Income Tax Returns, if applicable, to OwnBank, along with any supporting financial documents that OwnBank may require, from time to time. You agree to waive your confidentiality on the aforementioned documents and authorize OwnBank or its authorized representative, to verify, at any time, the authenticity of the submitted documents with the Bureau of Internal Revenue, and other appropriate sources, including your employer, if any.
3.4 You agree that OwnBank will validate such submission with available information on the applicant’s accounts, credit information, and credit status from applicable entities, Banks and Financial Institutions, and Credit Bureaus, and other applicable institutions.
3.5 You authorize the holder, controller, and processor of the information from the foregoing sources to confirm, release and verify the existence, truthfulness, and/or accuracy of such information to OwnBank.
3.6 You agree that the information in your OwnBank account may be used by OwnBank to pre-fill any future applications for other products and services offered by OwnBank in the OwnBank App.
3.7 You warrant that incomplete and/or inaccurate information declared in your OwnBank Personal Loan application is sufficient ground for legal action, rejection of your application, or termination of your account. If OwnBank discovers that you have misdeclared any information or have made any misrepresentation, which is material in the approval of your application, OwnBank has the right to terminate the OwnBank Personal Loan and demand immediate payment of any outstanding amount in accordance with the law.
3.8 You agree to promptly notify OwnBank in the event that there has been a material change in any of the information or documents previously provided to OwnBank. You may notify the Bank of such changes through the OwnBank Support web page (www.OwnBankbank.ph) or through the contact details in the Customer Service section of these T&Cs.
3.9 You acknowledge that OwnBank reserves the right to approve or reject your OwnBank Personal Loan application and has no obligation to disclose reasons for the rejection or disapproval of such application. OwnBank has the sole discretion to approve only a portion of the requested Loan Amount.
3.10 You understand that your approved Loan Amount will depend on your credit standing and is subject to OwnBank’s credit underwriting policy.
3.11 For customers who register interest for OwnBank Personal Loan through any Partner Channel, you agree to:
3.12 Your availment of a loan shall be evidenced by the acknowledgment receipts and other records of OwnBank evidencing the receipt, withdrawal as cash, or transfer of fund to your specified account. You agree that all evidence of your loan availment shall remain property of OwnBank. In case of dispute, the above evidence and the corresponding Disclosure Statement, which you have reviewed and confirmed prior to account opening and loan disbursement, are valid proofs of your availment of OwnBank Personal Loan.
3.13 You acknowledge the integrity of the Disclosure Statement as an electronic document pursuant to the provisions of the Electronic Commerce Act and agree to pay on the Due Date any amount stated on the OwnBank App without a need for the presentation of signed documents.
3.14 You understand that the interest component of your Monthly Installment is computed on the Outstanding Principal at the end of each installment period; hence, the interest component shall be on a diminishing basis towards your loan maturity date as your Outstanding Principal becomes smaller.
3.15 Upon the maturity of your loan or full settlement of the outstanding balance, you understand that your OwnBank Personal Loan account will be closed and any succeeding loan availment will require a new OwnBank Personal Loan application to be submitted in the OwnBank App. OwnBank reserves the right to approve or reject your application and assign a Loan Amount based on your latest credit standing and subject to OwnBank’s credit underwriting policy.
4.1 The Loan Amount will be disbursed to your Nominated OwnBank Account within one (1) banking day from the Loan Booking Date indicated on your Disclosure Statement.
5.1 You agree to pay applicable interest, fees, and other charges as expressly stated in the Disclosure Statement (DS) upon availment of the OwnBank Personal Loan, as evidenced by transaction records of the Bank indicating successful disbursement of funds from OwnBank Personal Loan to your OwnBank Wallet. Such applicable interest, fees, and other charges may change over time, subject to existing laws and regulations. In the event that you choose to pay before the Due Date of your account or before your transactions are reflected in your Billing Statement, you understand that you are still liable to pay in full all fees charged due to the usage of OwnBank Personal Loan, such as but not limited to the Service Fee, Transfer Fee, and documentary stamp tax.
5.2 Notices of Payment are sent via in-app notifications, and/or SMS (and other similar channels), and accessible in OwnBank App to inform you of the Total Amount Due. The Total Amount Due should be paid on or before the Due Date, as stated in the Notice of Payment. If you have clarifications on the Notice of Payment, please report your concerns through the OwnBank hotline found in OwnBank App and at [insert link]. You agree that non-receipt of the Notice of Payment prior to the relevant Due Date shall not relieve you of your obligation to pay the Monthly Installment and all other amounts due on such date. Your right to question any item in the Notice of Payment shall be deemed waived if no such report has been made within ten (10) calendar days from receipt thereof.
5.3 You agree to pay the Total Amount Due on or before the Due Date indicated in your Disclosure Statement and/or in your OwnBank App through the Pay Bills feature in the OwnBank App, any OwnBank agent, or via auto-deduction from your Nominated OwnBank Account on the Due Date. You shall fully pay the Total Outstanding Balance and other fees and charges incurred in your account within the Loan Tenor.
5.4 In case of failure to pay the Total Amount Due on the Due Date, you acknowledge that your OwnBank Personal Loan will be considered past due and you shall be liable to pay a Late Penalty Fee on the overdue principal amount per day, in addition to interest and other fees as indicated in the Disclosure Statement. The Late Penalty Fee will be calculated from the day immediately following the Due Date until full and final settlement of the overdue balance. The table of fees may change over time, subject to existing laws and regulations.
5.5 You authorize OwnBank to automatically debit the Total Amount Due from your Nominated OwnBank Account on the Due Date, subject to available balance.
OwnBank shall not be liable for any losses arising from such debiting except in cases of fraud, gross negligence, or willful misconduct attributable to OwnBank.
5.6 You waive any rights under Article 1252 of the Civil Code of the Philippines and agree that any payment made by you to OwnBank for the purpose of repayment of any Amount Due pursuant to the OwnBank Personal Loan transaction shall be applied in the following order: (i) penalties, (ii) interest, and (iii) principal and thereafter against any other obligations to OwnBank, if any.
5.7 Subject to the payment of all accrued monthly interest charges, penalties, or Amounts Due, you are entitled to repay early the Total Outstanding Balance or a portion of it, at any time before its Due Date. In case of overpayment, the amount paid in excess of the Amount Due will be applied as prepayment for the Outstanding Principal as of the current installment period, subject to the application of payments in Section 5.6. You may refer to your OwnBank App for the exact amount due and computation.
5.8 In the event OwnBank shall be required to pay any taxes or other fees on or with regard to the execution, formalization or perfection of any documentation contemplated hereunder or delivered pursuant hereto, you shall, upon notice, reimburse OwnBank for such taxes or fees paid.
6.1 You represent and warrant that: (i) you are of legal age, of sound mind, able to contract in any kind of agreement, and possess no legal disability or any criminal record of any kind to apply for a loan and accept these T&C; (ii) your loans and obligations with other banks, lending, financing or credit card companies and the like are updated and not delinquent as of Loan Booking Date; (iii) any and all documents you may have submitted are current, authentic, and may be relied upon by OwnBank as of Loan Booking Date; (iv) All oral representations and communications you made to OwnBank remain true, correct and accurate as of Loan Booking Date; and (v) you entered into the Agreement willingly and without influence or duress from any party.
6.2 You warrant that your OwnBank Personal Loan shall be used only for the purpose indicated in your application.
6.3 You agree that it is your responsibility to securely keep your PIN and/or Password. The use of your User ID, PIN and/or Password including one-time passwords (OTPs) will serve as your irrevocable authorization for us to carry out transactions that you initiated. Any fraudulent or negligent activity by your agents, employees, officers, and authorized representatives using your User ID, your PIN, Password and/or OTP, such as but not limited to unauthorized withdrawals or transfers, that may bring about financial losses to you is your sole responsibility. Similarly, biometrics authentication has been made available to you as a feature for your convenience. The activation of which is subject solely to your sound discretion and consent. If you choose to enable biometrics authentication, any transactions authorized by you through the use of your biometrics shall be solely to your account. You agree to hold OwnBank free and harmless in case of unauthorized access to your account or breach of your account or personal data or any financial losses you may have suffered as a result of but not limited to the misuse of the biometrics feature.
6.4 In case of loss or theft of any OwnBank account due to a lost/stolen device or SIM, or theft due to fraud and/or scam, you agree to immediately inform OwnBank of such loss or theft via our customer support hotline channel. Blocking of the account shall be made after OwnBank has conducted security verification and the submission of documentation, as applicable. All transactions made through your OwnBank account prior to the report of loss or theft shall continue to be your liability. After you report the incident of lost or stolen device or fraud, a request for reactivation of the account shall require the presentation of documents, as may be requested by OwnBank.
6.5 These T&C, the GT&Cs of OwnBank, and other documents and instruments mentioned and related hereto, when executed, shall be valid and binding upon you and enforceable in accordance with the respective terms and conditions hereof.
7.1 As long as any of the Loan Amount remains outstanding and unpaid, you shall: (i) punctually pay all Total Amount Due and perform all other obligations, undertakings and covenants hereunder and shall not allow your account to be in default in any way; (ii) submit documents and provide information, which may be required by the government regulators or OwnBank at any time; (iii) notify OwnBank for every change of data by updating your account in the OwnBank App immediately after such change; and (iv) execute and deliver such other instruments and documents as may be requested by OwnBank to give full force and effect to these T&C and other documents and instruments executed in connection therewith or to comply with OwnBank’s internal policies.
Upon availing of OwnBank Personal Loan and/or availing of any OwnBank products and services covered under these T&C, you agree to waive, without need of notice, in favor of OwnBank, including any of its affiliates, service providers, shareholders, associates, subsidiaries, officers, employees, agents, lawyers, partners, and other consultants your rights under Section 55.1 (b) of Republic Act No. 8791 (The General Banking Law of 2000), under Republic Act No. 1405, or any other right pertaining to secrecy of bank deposits for any of the following purposes:
d. Keeping your information updated through our official data touchpoints;
e. Providing customer service and support;
f. Performing credit checks or due diligence checks to minimize risks or frauds;
g. Safeguarding your account and protect you against fraud and other criminal activity;
h. Settling claims or disputes involving any of our products and services;
i. Complying with all applicable laws and regulations as well as performing our obligations to any legal authorities;
j. Marketing and Credit Scoring;
k. Updating you on changes to our products or services; and
l. For any other lawful purpose that OwnBank may deem fit or necessary.
8.1 You allow OwnBank to use any of the information you provided to OwnBank and/or gathered by OwnBank in the course of your application or at any time during the period of your loan.
8.2 You agree and allow OwnBank to use, share, obtain, or update your information provided to OwnBank and/or gathered by OwnBank with the credit bureau or other external parties, as well as any government agencies, such as but not limited to, the Credit Information Corporation, Social Security System, Government Service Insurance System, Bureau of Internal Revenue and Department of Labor and Employment, for underwriting and credit scoring, pre- due reminder, collection and other legitimate purposes.
8.3 You allow OwnBank to disclose your information to collection agencies, counsels, Affiliates, or other agents or partners of OwnBank in the event that OwnBank is constrained to enforce its rights against you.
8.4 You authorize OwnBank, affiliates, and accredited third-party service providers, and its official partners to collect, process, store, and share your personal information solely for purposes necessary to evaluate, approve, administer, and collect your OwnBank Personal Loan, that you have provided directly or indirectly in our data collection touchpoints, in accordance with the Data Privacy Act of 2012 and OwnBank’s Data Privacy Statement found in https://www.OwnBankbank.ph/privacy
8.5 If you applied for OwnBank Personal Loan through a Partner Channel, you agree to allow OwnBank to provide details of your OwnBank Personal Loan Due Dates and Total Amount Due to the Partner Channel at any time.
9.1 Subject to applicable laws and BSP regulations, OwnBank may appoint accredited agents or collection agencies to conduct reminder or collection activities. Any endorsement to a collection agency shall be preceded by written notice to you at least seven (7) days prior.
All collection activities shall be conducted in a fair, respectful, non-abusive, and proportionate manner, and shall not disclose your loan details to third parties except as allowed by law. Contact through social media, if any, shall be limited to private messaging only.
9.2 If OwnBank hires the services of an attorney and/or collection agencies to collect the obligations in this Agreement and incur expenses arising from the same, OwnBank shall be entitled to recover from you, any and all attorney’s fees and agency fees, in the amount incurred in connection with the collection of the Total Amount Due.
10.1 Each of the following events constitutes an Event of Default, irrespective of the reason for its occurrence and whether it is voluntary or involuntary or occurs as a result of any court order, law, or regulation:
Failure to fully pay the Total Amount Due for consecutive months, including any of the interest on the Principal Amount and/or other charges and fees when any of such falls due;
Failure to properly perform any of the obligations arising from these T&C and other documents and instruments mentioned and related hereto, or violation of any covenant or provision in these T&C and other documents and instruments mentioned and related hereto;
Submission to OwnBank of any false or inaccurate information, representation or warranty, or document, as well as the commission of any fraudulent activity;
Failure to update material information in your account;
Commission or threaten to commit a default or breach of any covenant, stipulation, term or condition contained in these T&C or the documents pertaining to the OwnBank Personal Loan;
Failure to furnish any information or documents required by OwnBank;
Death or incapacity to fulfill your obligations;
These T&C cease to be legal, valid, or binding obligations because of a change in law or regulations; or
Security breach of OwnBank’s or the Affiliates’ systems, processes, or applications; or
Any other circumstance occurs which gives reasonable grounds for OwnBank to believe that you may not be able to perform your obligations under these T&C.
11.1 If an Event of Default occurs, then at any time thereafter, OwnBank may, at its sole discretion, without need of notice or demand:
11.2 In case of default in your OwnBank Personal Loan or in case of any form of breach of these Terms or applicable laws, OwnBank may terminate, suspend, or revoke your right to use your OwnBank Personal Loan, OwnBank Easy Credit, OwnBank PayLater, and other credit facilities with OwnBank, provided always that you shall remain responsible or accountable for any omission, or actions taken through the use of your OwnBank Personal Loan account before such termination or suspension. OwnBank reserves the right to reactivate or restore your account/s at its sole discretion upon your compliance with its requests or upon considering copies of the relevant records or documents provided by you, and at its discretion, OwnBank may limit, restrict, suspend or terminate your access to its system, application or platform, whether temporarily or permanently.
12.1 Acceptance by OwnBank of any payment after its Due Date or after an Event of Default has occurred or after legal proceedings have been commenced against you shall not constitute an extension of time for payment or a modification or novation of the terms of this Agreement or in any way prejudice or adversely affect OwnBank’s cause of action against you.
12.2 Failure, omission, or delay on the part of OwnBank to exercise its right or remedies under these Terms and Conditions shall not operate as a waiver. Any such waiver shall be valid only when reduced in writing and delivered to you.
13.1 OwnBank may offer you different product features, services, or promotions from time to time. Any change in the method of computation of interest, service fees, or other applicable charges shall not affect existing loan obligations and shall apply only to future loan availments or future billing periods, in accordance with applicable laws and BSP regulations, and subject to prior notice to you.
13.2 All notice requirements shall be as stated in these T&C. If OwnBank is required to send notice to you, it shall do so through available channels including, but not limited to In-App notifications, SMS (and other similar channels), email, or registered mail, which shall be sent to your registered address, SMS (and other similar channels), email, or registered mail which shall be sent to your registered address. Publication on OwnBank’s website shall also be sufficient notice, as may be required by these T&C.
13.3 OwnBank has the right, at its option, to sell, transfer or assign any of its rights and obligations hereunder to any person, company, or entity without the need of consent. Any such sale, assignment, or transfer shall conclusively bind you. You shall be bound to fulfil and perform all your obligations to such transferee or assignee, including the payment of the Instalments. The transferee or assignee shall have the authority to collect the due amount.
13.4 OwnBank has the absolute right to terminate these T&C together with any other document executed between you and OwnBank at any time due to any breach in any of the terms and conditions of these T&C.
13.5 You may, upon prior notice to OwnBank, request for the cancellation of your loan without any penalty and interest, provided that the remaining tenor of your loan is at least one (1) year. You understand that, as a condition for the loan cancellation, you shall prepay the full Outstanding Principal of your loan on or before the grace period for loan cancellation as specified in your OwnBank App. Otherwise, your loan will remain active. Should you still wish to prepay your loan after such time, you are entitled to repay early the Total Outstanding Balance or a portion of it, at any time before its Due Date. In case of overpayment, the amount paid in excess of the Amount Due will be applied as prepayment for the Outstanding Principal as of the current installment period, subject to the application of payments in Section 5.6. You may refer to your OwnBank App for the exact amount due and computation.
13.6 OwnBank may amend these T&C only upon prior notice to you. Any amendment shall not affect existing loan obligations and shall apply only to future transactions or availments. Continued use of OwnBank services after such notice shall constitute acceptance of the amended terms.
13.7 In case any provision of these T&C shall be declared to be invalid, illegal, or unenforceable in any respect, the validity, legality or unenforceability of any other provision therein shall not in any way be affected or impaired thereby.
13.8 These T&C shall be construed and governed in accordance with the laws of the Philippines.
13.9 You understand and agree that these T&C including all disputes relative to your use of the services of OwnBank and relating to your Account shall be governed by the laws of the Republic of the Philippines without regard to conflict of laws principles. In case of any dispute arising out of these T&C or your use of the Services, you hereby agree, undertake, and commit to resolve or attempt to resolve such dispute promptly and in good faith. In case of failure to resolve any such dispute, you agree to the jurisdiction by and venue in the appropriate courts of Mandaluyong City, Philippines, to the exclusion of all other courts, and waive as you hereby waive, any objection to such jurisdiction or venue.
13.10 You authorize OwnBank and its official partners to process the personal information that you have provided directly or indirectly in our data collection touchpoints relevant to the relevant purposes furnished to you in our privacy notices. With your active use of our products and services, you agree to these T&C and the Data Privacy Statement of OwnBank found in: [insert link]
At OwnBank, we consider our customer’s financial questions, needs and feedback as very important. If you have any concerns about a procedure or have encountered a problem with our service, we will do our best to address it within fifteen (15) calendar days. You have our assurance that we will handle your concerns, feedback and information with utmost confidentiality and will strive to resolve them as soon as possible. Should your concern require more time to be resolved, we will update you every step of the way.
To contact our Customer Service, visit [insert link].
OwnBank’s business activities are regulated by its own internal business rules and Corporate Governance policies which are compliant with applicable anti-corruption laws. OwnBank’s policies and internal controls are designed to prevent bribery from occurring, avoid appearance of wrongdoing and enable OwnBank personnel to respond promptly and effectively to any inquiries about its conduct. In case of any violation of the Corporate Governance policies by OwnBank, its Stockholders, Directors, officers, employees, or agents, any party may report the same to OwnBank’s Corporate Governance Office, by sending an email to goodgovernance@OwnBank.ph, from 9AM to 6PM, Philippine Time, Mondays through Fridays, except holidays.
OwnBank is regulated by the Bangko Sentral ng Pilipinas.: www.bsp.gov.ph
09190587777
(02)86837770
cxsupport@ownbank.com
505 P. Burgos Ave, Caridad, Cavite City, Cavite 4100, Philippines
