Branches

Bacoor  Branch

160 Zapote Road, Zapote I, Bacoor City, Cavite

(046) 417-3366
(02) 8542-8272

Shoretel: (02) 7759-9888 loc. 2185
Smart/TNT/Sun: 0908-968-4018
Globe/ TM: 0977-467-0214

Jupiter Branch

GF NCVI Bldg., 156 Jupiter St., Makati City

Shoretel: (02) 7759-9888 loc. 2189
PLDT: (02) 8283-5912
Globe: (02) 7759-9815

Calatagan Branch

Brgy. Tanagan, Calatagan, Batangas

(043) 417-3694

Branch-Lite (MBO-Imus)

Aguinaldo Hi-way corner Tanzang Luma, Imus City, Cavite

(046) 474-0100

Branch-Lite (MBO-Nasugbu)

Alix Street, Brgy. 3, Nasugbu, Batangas

(043) 416-0020

Advisory – Fees and Charges

Greetings, Ka-Cebuana

Effective September 1, 2019, the following changes on Bank Fees & Charges will be implemented as described in this advisory.

DEPOSIT RELATED FEES

DESCRIPTIONFROMTO
PERSONALCORPORATEPERSONALCORPORATE
Below Minimum Average Daily Balance (ADB) FeePhP50.00PhP50.00PhP200.00PhP500.00
Early Closure Fee (w/in 30 days)PhP50.00PhP50.00PhP300.00PhP500.00
Replacement Fee for Lost PassbookPhP50.00PhP50.00PhP150.00PhP150.00
Bank Certification FeePhP50.00PhP50.00PhP150.00 PLUS Applicable Courier Fee if request was made via Cash AgentPhP150.00
History of Printing/ Statement of AccountNoneNonePhP100.00 for the First 3 Pages, PhP10.00/Succeeding Page PLUS Applicable Courier Fee if request was made via Cash AgentNone
Application for Stop Payment Order (SPO)NoneNonePhP300.00PhP500.00

LOANS RELATED FEES

DESCRIPTIONFROMTO
PERSONALCORPORATEPERSONALCORPORATE
Certificate of Full PaymentNoneNonePhP300.00PhP300.00
Certificate of No ObligationsNoneNonePhP300.00PhP300.00
Request for Statement of AccountNoneNonePhP100.00PhP100.00
Request for a Copy of Payment HistoryNoneNonePhP100.00PhP100.00

For further information, you may reach us at CLRB Retail Banking-Sales & Marketing at Tel. Nos. (02) 542-8272 & (046) 417-3366 or via e-mail at clrbsales&[email protected] Thank you.

DEBIT CARD TERMS AND CONDITIONS

The following terms and conditions (“Terms & Conditions”) shall govern the issuance and use of the Cebuana Lhuillier Bank Debit Card. By applying for and using the Card, the Cardholder hereby agrees as follows:

1. DEFINITION OF TERMS:

1.1 “Account/s” – the savings and/or current accounts maintained by a Cardholder with CLB in which the Debit Card is linked.

1.2 “ATM Network Participants” – banks and other financial institutions which are, or in the future will be, members or affiliates of BancNet, UnionPay affiliated banks or other ATM networks or affiliations that will allow CLB Debit Cards in their ATM systems and facilities.

1.3 “BancNet” – inter-bank network connecting the ATM networks of local and offshore banks.

1.4 “Cardholder/s” – depositor or depositors of the Bank to whom a Debit Card has been issued.

1.5 “Cebuana Lhuillier Rural Bank (CLB/the Bank)” – a rural bank duly registered with the Bangko Sentral ng Pilipinas (BSP) and licensed as an Electronic Banking and Electronic Money Issuer.

1.6 “Debit Card”/”Card” – Cebuana Lhuillier Rural Bank Debit Card with improved security against fraud. The Debit Card allows Cardholders worry-free access to his/her account/s thru any compatible payment terminals, like ATMs and online merchants, here and abroad.

1.7 “Machine” or “POS” (Point of Sale Machine) or “ATM” (Automated Teller Machine) – machine installed by the Bank for use by the Cardholder. It also includes other ATMs or electronic devices in which the Card could be used, as advertised from time to time.

1.8 Merchants – a third party involved in the payment transaction/s.

1.9 “PIN” /“Personal Identification Number” – a personalized digit code used to access the ATM and make ATM/POS transactions.

1.10 “UnionPay” – is an issuer and acquirer of UnionPay Card outside Mainland of China. They process and settle cross border UnionPay Card transactions and provide relevant services therewith to cooperation partners.

2. DEBIT CARD USAGE

The Card shall be used only for lawful banking and other transactions allowed by CLB with respect to the Account. It may be used on CLB’s and/or ATM Network Participants’ ATMs, cash dispensers, POS terminal networks, payment page of Online/Web Merchants and/or other electronic devices.

The Cardholder acknowledges that the Card is for his/her exclusive use and non-transferable.

The Card is the property of CLB and may at anytime, without prior notice and without the need to give any reason therefore, terminate the use of, cancel, repossess or decline to issue, renew or replace the Card.

The Cardholder shall in all circumstances assume full responsibility for all transactions processed by the use of the Debit Card whether these are with the Cardholder’s knowledge or by his/her authority.

3. CARD ACTIVATION AND AUTHENTICATION

The Card will only be released to the depositor. Upon receipt of the Card, the Cardholder must change the default PIN, then the Card will be activated within twenty-four (24) hours.

To authenticate transactions:

  • ATM – Insert Card and Enter PIN
  • POS – Swipe/Insert Card and Enter PIN or Sign transaction draft/invoice (depending on amount)
  • Internet/Online Payment transactions – Enter Card Number and provide required information

The PIN is strictly confidential and should not be given to, disclosed or made available for use of other person or entity under any circumstances, including CLB. Deposit, Withdrawal, Fund Transfers, Payments and any other transaction that requires the use of the Card shall in all circumstances and at all times, whether with or without the Cardholder’s authorization, be conclusively binding upon the Cardholder.

Debit Card that remains unclaimed after Sixty (60) days from notice to the Cardholder shall be automatically destroyed by the branch of account or where the Card was requested. Replacement Card shall be requested by the Cardholder should he/she decide to.

The Debit Card shall be deactivated upon expiry date as set by CLB.

4. CARDHOLDER’S RESPONSIBILITIES

The security of the Card and its confidentiality shall be the sole responsibility of the Cardholder.

The Cardholder agrees to keep the PIN private and strictly confidential and agrees that these shall not be disclosed to anyone under any circumstances. The Cardholder agrees to take all necessary precautions to avoid unauthorized use.

5. TRANSACTION LIMITS AND RESTRICTIONS This agreement shall be governed by the laws of the Republic of the Philippines and all suits arising from this agreement shall solely be cognizable by the proper courts of Makati City.

Upon issuance of Debit Card, it will be set to standard transaction limits in amount, count and amount for purchases and withdrawals as default limits of the Card variant. Limits may be in amount, count or a combination of both for a single transaction or an aggregate per set period.

Purchase and/or withdrawal made using the Debit Card within and/or outside the Philippines shall be subject to the limits that are set to the Card.

6. LOST/STOLEN CARDS

6.1 In the event the Card is lost or stolen, the Cardholder agrees to immediately file a report to any Cebuana Lhuillier Bank Branch or by calling Cebuana CARES hotline provided under paragraph 15 (Cardholder support).

6.2 In case of a compromised Card, where CLB receives information that the Card number, Card name, expiry date have been obtained by an unauthorized source/party, CLB shall block the Card to prevent its unauthorized use, and CLB shall immediately notify Cardholder of the situation and issue a new Card for the Cardholder.

6.3 All Transactions made/generated by the use of the lost/stolen Card prior to the report made by the Cardholder shall be deemed conclusively binding upon the Cardholder and CLB will not be held liable for any loss or damage incurred by the Cardholder.

7. NON LIABILITY

7.1 The Cardholder agrees to compensate and hold free and harmless CLB, its directors, officers, employees and agents and assigns, from and against any claim, cause of action, suit, liability, loss or damage of whatever nature which may arise as a result of or in connection with the use of the Card in any of the following instances:

a. If due to electronic/mechanical disruption, failure or delay but without fault or beyond the control of CLB or due to fortuitous events such as but not limited to prolonged power outages, breakdown in computers and communication facilities, computer-related errors, typhoons, floods, public disturbances and calamities and other similar or related cases;

b. In case of inaccurate, incomplete or delayed information received by CLB due to disruption or failure of any communication facilities or electronic device used for the Card.

c. In case of fraudulent or unauthorized use of the Card such as but not limited to theft, unauthorized disclosure or breach of security or confidentiality of the Card Number, PIN and Card Security Code, with or without the Cardholder’s participation;

8. DAMAGED/DEFECTIVE CARDS

The Bank shall replace any damaged Debit Card (if previously used) or defective Debit Card (newly issued Card) upon surrender by the Cardholder, provided that the same has not yet expired. Replacement of a damaged Debit Card shall be charged to the Cardholder whereas for defective ones, they shall be replaced free of charge.

9. DEBIT CARD FEATURES

CLB reserves the right to add or discontinue features or functions for all or specific Card variants at its discretion upon sixty (60) calendar days prior written notice through any of the means of communication or channel.

10. PROMOS

The Cardholder hereby authorizes CLB and its affiliates to be notified of its promotional offers, advertisements, surveys or other similar programs by communicating in any means of communication.

11. ACCREDITED ESTABLISHMENTS

CLB has an agreement with UnionPay and BancNet whereby the Card bearing the UnionPay and BancNet label shall be honored at all UnionPay and BancNet accredited establishments worldwide at all times. The Cardholder agrees to hold CLB free and harmless from any and all claims or liabilities as a result of the refusal of any UnionPay and BancNet accredited establishment to honor the Card.

12. FEES AND CHARGES

12.1 CLB may, from time to time, impose fees and charges for the use of the Debit Card. The Cardholder hereby authorizes CLB to debit such fees and charges from his/her Account or any other Account which the Cardholder maintains with CLB.

12.2 The said fees and/or charges shall be inclusive of Philippine taxes and shall be debited from the Depositor’s account or paid upfront without need of prior or further notice.

12.3 Applicable fees may be found at the Bank’s website www.cebuanalhuillierbank.com

13. CLOSURE OF ACCOUNT

13.1 The Cardholder may request CLB to terminate or suspend the use of his/her Card by submitting a written request to the Cebuana CARES or any CLB branches.

13.2 The Cardholder shall remain responsible for any transactions made on the account until the time of termination or suspension of the use of the Card. CLB also reserves the right to terminate or suspend the Cardholder’s use of the Card or close the account at any time with or without prior notice, and in any of the following instances:

a. Discovery of any form of fraud;

b. Violation of any of the provisions of the terms and conditions and rules and regulations of CLB supplementary thereto; and

c. Other grounds warranted by law.

13.3 The Bank is authorized to report such termination, suspension or closure to the BSP or to its monitoring body. The Cardholder shall hold the Bank free and harmless from all liabilities, claims and demands arising from the above actions of the Bank.

13.4 Any and all accrued unpaid obligations of the Cardholder to CLB prior to termination, and terms and conditions hereof which by express terms, shall survive the termination of the Cardholder’s right to use the Card.

14. UNDERTAKING

In case of erroneous crediting, inaccurate or non-debiting, misposting, or any error in a transaction involving any amount (referred to as “Amount/s Due to CLB”) to Cardholder’s Debit Card and/or all his/her other account/s with CLB due to whatever cause such as but not limited to systems error, error in communications facilities, Cardholder hereby agrees and undertakes to immediately report and return to CLB the Amount/s Due to CLB without need of prior notice or demand.

For this purpose, Cardholder irrevocably authorizes CLB and its representatives to effect the debiting of the Amount/s Due to CLB from his/her account/s, without need of performing any other act and incurring of any liability on the part of CLB and its representatives as a consequence thereof.

Failure or refusal of Cardholder to account for and return the amount/s Due to CLB shall give rise to a cause of action against the Cardholder for misappropriation or conversion with intent to defraud.

15. CARDHOLDER SUPPORT

The Bank is regulated by the Bangko Sentral ng Pilipinas (BSP). For any issues, concerns, clarifications, complaints or inquiries, the Cardholder may contact the Bank through Cebuana CARES Hotlines via the following:

Phone : (02) 7759-9800 / (02) 8779-9800

SMS : 0917-81CARES (22737) GLOBE / 0918-81CARES (22737) SMART

Email : [email protected]

Address : 5/F PJL Corporate Center – Annex II, 1782 Nicanor Garcia corner Candelaria Sts., Brgy. Valenzuela, Makati City 1208

Or also refer it to the Financial Consumer Protection Department of the Bangko Sentral ng Pilipinas at (02) 708-7087 or [email protected].

16. AMENDMENTS

The Bank, may at any time and for reasons it may deem proper, amend, revise or modify these Terms and Conditions. Any such amendment, revision or modification shall bind the Cardholder upon notice (personal or by publication, through posting in the Bank’s website or the Bank’s or Cash Agent’s premises). If the Cardholder does not agree with the new/revised terms and conditions, he/she shall notify the Bank of his/her intention to terminate the agreement within thirty (30) days from receipt of the individual notice or thirty (30) days from issuance of public notice, whichever is later. Failure to notify the Bank within the prescribed period shall be construed as acceptance by the Cardholder of any such amendments, revisions or modifications.

17. NON WAIVER

No failure on the part of CLB to exercise, and no delay in exercising, any right or remedy under or in connection with this terms and conditions shall operate as a waiver thereof, nor shall any single or partial exercise of any right or remedy under or in connection hereof preclude any other or a future exercise thereof or the exercise of any other right or remedy, whether of a similar or dissimilar nature, CLB may have by virtue herein.

18. SEPARABILITY

Should any part of this Terms and Conditions be declared unconstitutional, illegal, void or unenforceable, the parts not affected shall remain valid and binding.

19. CONFORMITY

The Cardholder acknowledges that prior to his/her use of the Card, he/she has carefully read the provisions of this Terms and Conditions and has understood them, and has not relied upon any statement, representation, or warranty not found herein.

20. GOVERNING LAW

This Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising hereunder shall be submitted to the exclusive jurisdiction of the proper courts of Bacoor, Cavite only.

Terms and Conditions

  • 1. GENERAL PROVISIONS:
    • 1.1. DEFINITIONS
      • Cebuana Lhuillier Rural Bank (“CLRB” or the
        “Bank”) – A rural bank duly registered with the Bangko Sentral ng Pilipinas (BSP)
        and licensed as an Electronic Banking and Electronic Money Issuer.
      • Cebuana Lhuillier Pawnshop (or “Cash Agent”)
        – is the accredited 3rd party service provider of the CLRB.
      • Deposit Account – This refers to interest-
        or non-interest-bearing deposits which are withdrawable upon demand thru available
        bank channels.
      • Micro Savings Account – refers to an interest
        bearing deposit which is linked to the 24k Cebuana Card or other proprietary card
        that may be issued by CLRB which may be accessed thru its channels such as but not
        limited to Cash Agents. Should the Client exceed the maximum balance of PHP50,000.00,
        the Bank shall convert the basic deposit account to a regular deposit account thus
        the terms and conditions for regular deposit accounts shall apply.
      • e-Money Account – An account that stores Philippine
        Peso (Php) value which resides in the e-Money system. It may be linked to the Account
        Holder’s electronic device such as mobile phone and which may be evidenced by a
        physical 24k Cebuana Card or other proprietary card that may be issued by CLRB
      • Know Your Customer (KYC) – is a process to
        establish the full identity of individuals looking to transact with a financial
        firm, which is usually done by requiring identification cards from a client as required
        by the Bangko Sentral ng Pilipinas (BSP).
      • Personal Identification Number (PIN) – a personalized
        digit code used to access the account and make transactions.
      • Cebuana Lhuillier 24K Card (or “24k Card”)
        – a valid and unexpired rewards card issued by a Cebuana Lhuillier Pawnshop or Cebuana
        Lhuillier PeraPadala outlet to qualified clients who become entitled to exclusive
        privileges, discounts, freebies, and special service offerings. It is non-transferable
        and must be presented only by bonafidecardholders
    • 1.2 THE AGREEMENT – This Agreement governs the relationship
      between the Client and the Bank.. The Bank may enact, modify or amend these terms
      and conditions, from time to time, as are customary in the conduct of the banking
      business or are in its judgment necessary for the protection of the Client and the
      Bank.
    • 1.3 CLIENT INFORMATION –The Client hereby warrants
      that all information pertaining to his/her identity and personal circumstances are
      true and correct. The Client hereby allows the Bank to verify said information.
      Further, the Client confirms, declares and acknowledges that the mobile phone number
      and e-mail address provided to CLRB are owned/under the control of the Client and
      that, any communication made from and to the said mobile number and/or e-mail address
      shall be automatically treated by CLRB to be directly coming from the Client, unless
      otherwise advised in writing. The Client shall update, whenever required by the
      Bank, information provided during account opening, such as address, mobile phone
      number and email address and shall notify the Bank immediately, in writing, of any
      change in his/her contact details and information. The Bank shall hold these details
      as true and complete in the event that no update is given unless otherwise advised
      in writing.
    • 1.4 RECORD OF TRANSACTIONS – The Client is responsible
      for verifying the e-Money and/or Deposit transaction history details and records
      to make sure that there are no unauthorized transactions. The Client should likewise
      review and reconcile transaction records/details for any errors or unauthorized
      transactions promptly and thoroughly.
    • 1.5 ACCOUNT AND CARD SECURITY – The Client shall
      be responsible for the security of his/her 24K Card or other proprietary card that
      may be issued by CLRB and for the maintenance of his/her PIN and/or online password.
      The Client acknowledges that his/her PIN and/or password are known only by him/her,
      and not by anyone else, nor by the Bank or the Cash Agent. The Client shall be responsible
      for all transactions processed through the use of the 24K Card (or other proprietary
      card issued by the Bank) and the PIN and/or password whether or not the transactions
      were made with the Client’s knowledge or authority. The Client shall hold the Bank,
      the Cash Agent, its officers and employees free and harmless from any and all losses,
      damages, or liabilities incurred or suffered in connection with the Client’s disclosure
      of his/her PIN and/or password. In case the 24K Card or other proprietary card is
      lost, stolen or destroyed, the Client agrees to immediately notify the Bank by calling
      Cebuana CARES Hotlines of such loss within twenty-four (24) hours, via telephone
      from 9am-6pm, Monday to Sunday or submit a written report to any Cebuana Lhuillier
      branch. All activities and transactions made thru the use of the 24K Card or other
      proprietary card prior to the report of the loss shall continue to be the liability
      of the Client.
    • 1.6 REFERENCE NUMBER – Each successful transaction
      shall be evidenced by a system-generated Reference Number, which shall be transmitted
      to the Client’s enrolled mobile number, e-mail address or validation form, whichever
      is applicable, for records purposes.
    • 1.7 TRANSACTION DATE – The Bank will effect the
      Client’s transactions provided there are sufficient cash value available in the
      Client’s deposit or e-money account. It is the responsibility of the Client to ensure
      that sufficient cash or cash value are available in the Client’s deposit or e-money
      account at all times to cover any of the transactions, immediate or scheduled, and
      that the 24k Card or other proprietary card is active. Any charges or penalties
      as a result of an unsuccessful transaction due to insufficiency of cash or cash
      value or cancelled card will be the sole responsibility of the Client and shall
      be for the account of the Client.
    • 1.8 ACTIVATION AND DE-ACTIVATION OF DEPOSIT / E-MONEY
      ACCOUNT FEATURES
       – CLRB reserves the right to add, discontinue or deactivate
      features or functions upon sixty (60) calendar daysnotice to the Client through
      SMS and/or email.
    • 1.9 TERMINATION/SUSPENSION OF ACCOUNT – The Client
      may request CLRB to terminate or suspend the Deposit/e-Money account by submitting
      a written request to the Cebuana CARES or any Cebuana Lhuillier Pawnshop branches.
      The Client shall remain responsible for any transactions made on the account until
      the time of termination or suspension of the use of the card. The Bank also reserves
      the right to terminate or suspend the Client’s use of the card or close the account
      at any time with or without prior notice, and in any of the following instances:
      a) discovery of any form of fraud; b) violation of any of the provisions of the
      terms and conditions and rules and regulations of CLRB supplementary thereto; and
      c) other grounds warranted by law. The Bank is authorized to report such termination,
      suspension or closure to the BSP or to any monitoring body of the BSP. The Client
      shall hold the Bank free and harmless from all liabilities, claims and demands arising
      from the above actions of the Bank.
    • 1.10 DISPUTES ON TRANSACTIONS – The details in the
      Deposit/e-Money Account’s transaction records are presumed true and correct unless
      the Client notifies the Bank thru Cebuana CARES in writing of any disputes thereon
      within fifteen (15) calendar days from the date of transaction. If no dispute is
      reported within said period, all transaction details and records are deemed true
      and correct. Disputed transactions shall only be adjusted once the claim/dispute
      has been properly processed, investigated, and proven to be in favor of the Client.
    • 1.11 EXCLUSION FROM LIABILITY – CLRB makes no warranty,
      express or implied, regarding the performance of this Agreement or the electronic
      banking functionalities or other services offered hereunder. CLRB electronic banking
      service is offered on an “as is” or “asavailable” basis without warranties of any
      kind, except those required by law and other rules and regulation issued by pertinent
      government agencies. CLRB further makes no warranty (1) as to the content, quality
      or accuracy of data or information provided by CLRB hereunder or received or transmitted
      using the electronic banking channels; (2) as to any service or product obtained
      using the electronic banking service; (3) that the electronic banking service will
      be uninterrupted or error-free; or (4) that any particular result or information
      will be obtained. CLRB shall not be liable for any loss, added cost, compensation,
      damage or liability that the Client may incur as a result of any delay, interruption
      or termination of the electronic banking transaction whether caused by administrative
      error, technical, mechanical, electrical or electronic malfunction or any cause
      beyond CLRB’s control (including but not limited to acts of God, labor disputes,
      failure of communication lines, interconnection problems, mobile phone signal/reception
      problems, interference or damage by third parties).
    • 1.12 LIMITATION OF LIABILITY – Subject to the provisions
      herein, if CLRB is found liable for any act or omission for any reason whatsoever,
      the liability of CLRB shall be limited to the amount of the relevant transaction
      or actual damages to the Client, whichever is lesser. CLRB shall not be liable to
      the Client for any indirect, special, exemplary, punitive or consequential loss
      or damages arising from the use of 24k Card or other proprietary card, including
      but not limited to lost opportunities or profit.
    • 1.13 ANTI-MONEY LAUNDERING – The Client warrants
      that he/she is aware of the provision of R.A. No. 9160 (Anti-Money Laundering Act
      of 2001) and acknowledges that his/her account is subject to the provisions of R.A.
      No. 9160, including any and all amendments, rules or regulations pertaining thereto.
      The Client hereby agrees to keep the Bank, its directors, officersand employees
      free and harmless from any and allliabilities for any action taken in compliance
      therewith.
    • 1.14 DATA PRIVACY – The Bank is committed to respecting
      and protecting data privacy rights of the Client as a data subject in accordance
      with R.A. 10173 (“Data Privacy Law of 2012”), its Implementing Rules and Regulations
      and other applicable laws of the Republic of the Philippines. In the course of providing
      services to the Client, CLRB and the Cash Agent may collect information (including
      personal information) relating to the Client, including the transactions, accounts,
      account information or records. For this purpose:
      • The Client agrees that he/she will receive transaction notifications, and be regularly
        updated by the Bank and its subsidiaries and affiliates (hereinafter, “Cebuana Lhuillier
        Group”)of their products and services, and thus understand fully that his/her foregoing
        information will accordingly be shared.
      • The Client understands that the information collected, to be processed and retained
        shall be for the following purposes: client identification; profiling; direct marketing
        and cross-selling of products; and compliance to BSP rules, AMLA and such other
        purposes that may be required or allowed by law. The Client has been informed that
        he/she have the option not to give the foregoing information, in which case he/she
        understands that his/her transaction will not be processed. The client has also
        been informed that he/she can make corrections to any inaccurate or deficient information
        and have the option to withdraw his/her consent prior to the processing of his/her
        transaction by emailing Cebuana Lhuillier at
        [email protected]
         or calling Telephone Numbers: (02) 7759-9800/(02) 8779-9800
      • Any Concerns about Data Privacy can be reported by the Client to
        [email protected]
        . Client is encouraged to visit https://privacy.gov.ph to know more about R.A. 10173.
      • The Client hereby certifies that the information provided to the Bank are freely
        and voluntarily given and are true and correct to the best of his/her knowledge.
        Further, the Client hereby authorizes the Bank and the Cebuana Lhuillier Group to
        disclose to its partners, agents or other clients his/her above information to aid
        in any and all investigations that may be initiated on account of, or in relation
        to any concerns that may arise out of this transaction.
    • 1.15 DISCLOSURE OF INFORMATION – The Client acknowledges
      that the Philippine government, United States government and governments of other
      foreign jurisdictions where transactions pertaining to his/her account may transpire,
      may require the Bank, its branches and agencies, and the Cebuana Lhuillier Group
      to disclose or produce information concerning his/her account. For this purpose,
      the Client hereby waives his/her rights under R.A. 1405 (Law on Secrecy of Bank
      Deposits), R.A. 6426 (Foreign Currency Deposit Act of the Philippines), R.A. 8791
      (General Banking Law of 2000), or any other pertinent law or regulation, as the
      same may be amended from time to time, and hereby authorizes the Bank, its branches
      and agencies, and all of the Bank’s subsidiaries or affiliates, without prior notice
      to the Client, to make any and all disclosure of information regarding the account
      as may be required. The Client hereby holds the Bank, its directors, officers, employees
      and other duly authorized representatives free and harmless against any and all
      liability arising from any loss or damage which the Client may incur or suffer as
      a result of such disclosure.
    • 1.16 CONSENT TO SHARE INFORMATION – For the purposes
      of (a) sales and marketing activities, cross-referencing, status inquiry, cross-selling
      or the offering of the various products and services of the Bank and the Cebuana
      Lhuillier Group, including but not limited to, credit opinion and evaluation by
      and for an entity belonging to the Cebuana Lhuillier Group, or application for insurance
      products with an insurance company within Cebuana Lhuillier Group; (b) compliance
      with legal, regulatory or other contractual obligations of the Bank; and (c) providing
      efficient services, the Client hereby gives its consent to, and authorizes the Bank
      to process, obtain, collect, record, organize, store, update, modify, use, access
      and/or share/disclose within the Cebuana Lhuillier Group and third party service
      providers, with corresponding duty to keep such information confidential, without
      prior notice to the Client, relevant account information/data/opinion pertaining
      to the Client, including but not limited to personal circumstances, privileged information,
      sensitive personal information, account opening, account balances, transaction history,
      promo subscription, redemption records and any and all other information pertaining
      to all account/s now existing or which may hereafter to be opened, which authorization
      shall constitute a consent and shall exempt the Bank and/or the Cebuana Lhuillier
      Group from liability under any and all bank deposit secrecy laws, including but
      not limited to, R.A. 1405 or The Law on Secrecy of Bank Deposits, R.A. 6426 or The
      Foreign Currency Deposit Act and R.A. 8791 or The General Banking Law, as well as
      R.A. 10173 or the Data Privacy Act of 2012 and other confidentiality laws enforced
      or which may hereinafter enforced. The absence of any written notice to the contrary
      shall be deemed by the Bank as the Client’s continuing consent under the bank secrecy,
      privacy and confidentiality laws, as abovementioned. The Client shall notify the
      branch in writing if he /she wishes to withdraw the consent to the sharing of information
      provided herein.
  • 2. FOR E-MONEY ACCOUNT:
    • 2.1 PRODUCT FEATURES/ TRANSACTIONS – The 24K Card,
      as an e-Money instrument, is re-loadable. The e-Money may only be redeemed at face
      value. It shall not earn interest or rewards and other similar incentives convertible
      to cash, nor be purchased at a discount. Further, e-Money is not considered a deposit
      account hence, it is not insured with the Philippine Deposit Insurance Corporation
      (PDIC). The e-Money is subject to aggregate monthly load limit of One Hundred Thousand
      Pesos (Php100,000.00) unless a higher amount has been approved by the Bangko Sentral
      ng Pilipinas (BSP).
    • 2.2 FEES, RATES AND OTHER CHARGES –The Client agrees
      to pay applicable fees and charges related to the e-Money Account linked to a24K
      Card or proprietary card that may be issued by the Bank and its use, such as but
      not limited to, remittance, processing, load and encashment fees. Such fees and
      or charges shall be inclusive of Philippine taxes and shall be debited from the
      e-Money cash value or paid upfront without further notice. Applicable fees may be
      found at the Bank’s website www.cebuanalhuillierbank.com
  • 3. FOR DEPOSIT ACCOUNT:
    • 3.1 PRODUCT FEATURES/ TRANSACTIONS – Deposits and
      withdrawals shall be made by the depositor and must be secured by the 24K Card or
      other proprietary card issued by CLRB. The Client agrees that no deposit and/or
      withdrawal shall be made in the absence of the 24K Card or proprietary card issued
      by CLRB. The Bank may impose or change transaction and card balance limits at its
      option pursuant to applicable to laws, subject to thirty (30) days prior notice
      to Depositor.Deposits are insured with Philippine Deposit Insurance Company (PDIC)
      for up to the maximum amount of Five Hundred Thousand Pesos (Php500,000.00).
    • 3.2 FEES, RATES AND OTHER CHARGES – The Client agrees
      to pay applicable fees and charges related to Micro Savings and other deposit accounts
      which may or may not be linked to 24K Card or other proprietary card issued by CLRB
      and its use, such as but not limited to withdrawal. Such fees and or charges shall
      be inclusive of Philippine taxes and shall be debited from the Depositor’s account
      or paid upfront without further notice. Applicable fees may be found at the Bank’s
      website www.cebuanalhuillierbank.com
    • 3.3 INTEREST – The interest rate on Savings Deposit
      shall be computed on the basis of average daily balance provided the required minimum
      balance for the day, if there is any interest earned shall be credited on a monthly
      basis.A 20% withholding tax shall be withheld and deducted by the Bank from the
      interest income on savings deposit (P.D. 1994).
    • 3.4 TRANSACTION HISTORY STATEMENT – A Statement
      of Account bearing all of the transactions for this account shall be made available
      by the Bank. The Client agrees to receive it through his/her nominated email address
      and/or may be requested thru SMS.
  • 4. MISCELLANOUS PROVISIONS –
    • 4.1 CLIENT SUPPORT – The Bank is regulated by the
      BangkoSentralngPilipinas (BSP). For any issues, concerns, clarifications, complaints
      or inquiries, the Client may contact the Bank through Cebuana CARES Hotlines via
      the following:
    • Phone      : (02) 7759-9800/(02) 8779-9800
    • SMS        : 0917-81CARES (22737) GLOBE / 0918-81 CARES (22737)
    • SMARTEmail      : [email protected]Address  : 5/F PJL Corporate Center – Annex II, 1782 Nicanor Garcia corner
      CandelariaSts., Brgy. Valenzuela, Makati City 1208
    • 4.2 AMENDMENTS – The Bank, may at any time and for
      reasons it may deem proper, amend, revise or modify these Terms and Conditions.
      Any such amendment, revision or modification shall bind the Client upon notice (personal
      or by publication, through posting in the Bank’s website or the Bank’s or Cash Agent’s
      premises). If the Client does not agree with the new/revised terms and conditions,
      he/she shall notify the Bank to terminate the agreementwithin thirty (30) days from
      receipt of the individual notice or thirty (30) days from issuance of public notice.
      Failure to notify the Bank within the prescribed period shall be construed as acceptance
      by the Client of any such amendments, revisions or modifications.
    • 4.3 NOTICE – All communications and notices required
      to be given to the Client shall be transmitted by SMS and/or electronic mail to
      his mobile cellphone number and/or email addressappearing in the Account Opening
      documents or at such other mobile phone number and/or email address that may hereafter
      be given in writing by the Client to the Bank.
    • 4.4 BINDING EFFECT – These Terms and Conditions
      are binding on the Client and his/her heirs, executors, administrators and assigns.
    • 4.5 GOVERNING LAW – These Terms and Conditions shall
      be governed by and construed in accordance with the laws of the Republic of the
      Philippines. Any dispute arising hereunder shall be submitted to the exclusive jurisdiction
      of the proper courts of Bacoor, Cavite.

Home Loan

Do you need financial assistance on the following?

  • Construction or Renovation
  • Purchase of house and/or Lot
  • Refinancing or Take-Out
Maximum loanUp to 80% of the Total Contract Price or Appraised Value
Loan TermUp to 3 years to pay
Interest RateAs low as 6.5% per annum, interest to be applied shall be based on the prevailing rate of time of draw down or repricing

Auto Loan

Owning your dream car is now made easier! You can loan up to 70 percent of your car’s value.

For a Php 400,000 vehicle, we can finance up to Php 240,000! Pay as low as P8,600 per month in 36 installments!

Tsikot to Cash Loan

Need funds to fix your car? Then use it as collateral for your car loan!

If your car is five years or below, you can loan for as much as 40 percent of its value. For example, for a P400,000 vehicle value, you can loan up to P160,000 where you can pay P14,822 per month in 12 installments.

Employee Salary Loan

To provide maximum financial benefits for employees in need, this hassle-free loan application and loan payment type that is exclusively offered to all regular employees of the PJ Lhuillier Group of Companies nationwide.

Agricultural Loan

Specially designed for small-scale agricultural businesses, this loan offers financial support for farmers to increase their resources and expertise. It includes special terms and conditions suitable for small farmers.

Microfinance Loan

Helping micro business:

  • Increase Inventory of Goods Being Sold
  • Support Day-to-Day Operation
  • Other Business Expenses
  • Up to Php 3000,00 loan Amount
  • Up to 1 year to pay
  • 3% Add-ON-Rate per month
  • Auto-Debit or Post-Dated Checks
  • No Collateral

SME TERM Loan

For purpose of:

  • Business Expansion
  • Acquisition of Property
  • Purchase of Machinery or Equipment
Maximum loanPhp 15,000,000
Loan TermUp to 5 years to pay
Interest rate7% per annum
Payment ArrangementPost-Dated Check
With Collateral

CORPORATE AGENT PARTNERS

  • ACTION.ABLE, INC.
  • ALL ACCESS GATEWAY INC.
  • ANTRECCO (AGUSAN DEL NORTE TEACHERS, RETIREES, EMPLOYEES & COMMUNITY COOPERATIVE)
  • ACM VIP
  • ALL CASH
  • AGRILIFE/ AGRIVET
  • ASENSO PINOY STORE, INC. (EASY DAY SHOP)
  • AVICOM ENTERPRISES
  • AYALA ALABANG VILLAGE ASSOCIATION
  • BAUG CARP MULTI PURPOSE COOPERATIVE
  • BAGUIO BENGUET COOP
  • CARD BANK INC
  • CARD MRI RIZAL BANK INC
  • CARD SME BANK
  • CARITAS BANCO NG MASA, INC.
  • CEBU PEOPLE’S MULTIPURPOSE COOPERATIVE
  • CIS BAYAD CENTER, INC
  • COOPERATIVE BANK OF BOHOL, INC
  • COUNTRY BUILDERS BANK
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • AEON CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (VIA ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (VIA ECPAY)
  • ALLIANZ PNB LIFE INSURANCE INC.
  • ALPHA FUND SAVINGS & CREDIT COOPERATIVE (VIA ECPAY)
  • AMADEO WATER DISTRICT (VIA ECPAY)
  • AMYA POLYTECHNIC COLLEGE, INC. AND FINANCING CORPORATION (LENDPINOY)
  • ANGAT WATER DISTRICT (VIA ECPAY)
  • ANGELES ELECTRIC COMPANY ANGELICUM SCHOOL , INC. ILOILO CITY (VIA ECPAY)
  • ANJELMAN REAL ESTATE LEASING
  • ANTIQUE ELECTRIC COOP, INC ANTRECCO (BILLS PAYMENT)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (via ECPAY)
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

List of Accepted Government/ Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification (PhilID) card
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • OWWA ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
23. ID issued by the National Council on Disability Affairs (NCDA)