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DEFINITIONS 1.1 Unless the context otherwise requires, the following terms when used in this Agreement shall have the meaning indicated below: means any (i) names, logos, registered and unregistered trademarks, and service marks, (ii) patents and patent applications, (iii) business methods, inventions, and discoveries that may be patentable, (iv) software and computer code, and (v) copyrights in both published works and unpublished works.Intellectual Property Rights shall include all Intellectual Property Rights registered under the Bank's name, duly licensed to the Bank by an affiliate or subsidiary of the Bank or by a third party.2.4 I also agree that by enrolling in BPI's Internet Banking Service, other products under my name such as, but not limited to, credit cards or loans may be automatically viewable.

2.3 I further agree that should I nominate any of my accounts as a nominated payment account, the Bank, at its option, may automatically enroll all my other accounts which may be linked with my nominated source accounts without the need for any further authorization or consent on my part.The Bank may likewise collect fees from certain fund transfer transactions.4.3.1 Real time and scheduled funds transfers can originate from my savings and current accounts.3.2 I agree to assume full responsibility for all transactions made in my accounts through the use of my User ID and Password.