1.   Accessibility 
a. I/We acknowledge that iAccess is a facility granted by Land Bank of the Philippines (LANDBANK/Bank) which 
    I/we may avail for as long as it is offered and provided that I/we continue to be qualified under its terms 
    and conditions. 
b. Only my/our enrolled deposit accounts can be accessed via iAccess with the use of an internet enabled 
    computer (Microsoft Internet Explorer at least 5.5 version or higher) and its corresponding iAccess ID and 
c. I/We understand that for my/our safety, LANDBANK shall LOCK my/our iAccess ID should the wrong Password 
    be used three (3) times. 
d. While iAccess is available twenty-four (24) hours a day, seven (7) days a week, I/we understand that some 
    or all of the services may not be available at certain times due to designated service periods, maintenance, 
    computer, telecommunication, electrical or network failure and/or any other reasons beyond the control 
    of the Bank.
e. I/We also understand that any online transaction initiated through iAccess before system downtime on a 
    banking day shall be posted to my/our account on the same day. All transactions after system downtime 
    on a banking day or completed on a Saturday, Sunday or legal/special holidays, shall be posted on the next
    banking day. Banking days are from Monday to Friday, except for legal/special holidays. 
2.  iAccess Online Security Policy 
     a. At LANDBANK, I/we are always assured that all my/our internet banking transactions are safe and secure. The 
    LANDBANK Retail Internet Banking System, iAccess, takes great measures to ensure that its security 
    practices conform to the best banking standards and adequately respond to all my/our needs. 
b. To ensure that the privacy of my/our account information and banking transactions are maintained, LANDBANK 
    has set forth the following: 
    Security Systems 
LANDBANK deployed intrusion detection systems, firewalls, encryption systems such as 128-bit Secure Sockets
Layer (SSL) and other internal controls which are meant to safeguard, physically and logically, 
all our servers and information systems, including the data stored in these systems. Furthermore, it has an 
in-house Network Operations Department that secures the maintenance of the whole facility. 
         Website Authentication 
          The LANDBANK iAccess facility used the Verisign's Security Certificate to verify the authenticity of the iAccess 
          site. At times, it may be necessary for me/us to verify the authenticity of the iAccess site in order 
          not to fall victim to email scams. For example, directing clients to seemingly legitimate sites and mislead them
          into providing vital account information to entities not authorized by the Bank. The Verisign Logo attached on 
          all the iAccess pages, when clicked, securely authenticates the iAccess site. The best, safest and recommended 
          way to access the iAccess website is by typing at the browser address bar. 
         Third-Party Agreements 
Certain transactions involving third parties – Third party Fund Transfer and Bills Payment, all require enrollment 
of accounts using the duly accomplished Enrollment and Maintenance Agreement form submitted for verification. 
With this policy, I/we are assured that LANDBANK shall honor requests for transfers/payments only to and from
those that I/we have signed for. 
All financial transactions made through the LANDBANK iAccess shall generate a corresponding email which shall 
be sent to my/our personal email address. We are encouraged to continually check and verify emails 
(including the one incorporated in the iAccess system) to ensure that all iAccess transactions are in order.  
         Password Protection 
All those visiting the iAccess website pass through the Log-in authentication process. I/We are advised to 
use a password that is easy to remember but hard for others to guess. I/We shall ensure to keep my/our password
confidential at all times by not writing or divulging it to anyone. I/We are advised to change my/our password frequently
or change it immediately once the password has been compromised. 
3.  Services and Business Rules 
a. Account Information – I/We can view the “real-time” outstanding and available balance (including amounts 
    on hold/float) and transaction history of my/our enrolled peso savings (with ATM access) and/or current account/s. 
1) Any additional account/s shall be enrolled in the LANDBANK iAccess system through the branch of account 
    (or nominated servicing branch). 
2) The account balances and history printed can serve as an official bank statement. 
3) Today’s Transaction only includes over-the-counter transactions for the day. 
b. Check Status Inquiry – I/We can view the status of checks issued (encashed/negotiated) within the last 60 days. 
c. Returned Check Inquiry – I/We can view the total amount and number of checks I/we deposited but subsequently 
    returned within the last 60 days.
d. Bills Payment (BP) – I/We are allowed to pay bills online for enrolled merchants. 
1) Enrollment of subscriber’s account number through the Branch is required. 
2) Service fees shall be debited on the account of the merchant or charged against Average Daily Balance (ADB) 
    on deposit float. 
3) Service Period is from 12:00am to 10:30pm daily. 
e. Fund Transfer (FT) – I/we are allowed to transfer funds from one enrolled deposit account to another account. 
    I/We may choose either our own accounts or a third party account as destination accounts. 
1) Enrollment of source and destination accounts through the Branch is required. 
2) Source accounts can be enrolled as destination accounts and vice-versa. 
3) Third party accounts cannot be enrolled as source accounts. 
4) Only a maximum of 5 third party accounts can be enrolled as destination accounts. 
5) Service Period is from 12:00am to 10:30pm daily. 
     f. Future-dated or Recurring BP/FT – I/We are allowed to pay bill or transfer funds in the future or regularly
        (monthly, quarterly, semi-annually or annually) as scheduled.
1) Service Period is from 12:00am to 10:30pm daily 
2) Future-dated BP/FT up to 365 days from date of instruction may be initiated daily. 
3) Recurring BP/FT may be done for a maximum of two (2) years. 
4) Cancellation of future-dated or recurring BP/FT must be made a day before the specified date of transaction. 
g. Checkbook Reorder – I/We are allowed to request for checkbook online. 
1) Service Period is from 12:00am to 10:30pm daily. 
2) Manual inquiry from the client’s branch of account, the status of requisition shall be after three (3) weeks from 
    date of request approval. 
3) Maximum of 3 checkbooks can be reordered per account per day. 
4) Payment for the cost of checkbook shall be automatically debited by the System upon approval by the 
    Branch of account. 
1.   LANDBANK shall provide the iAccess internet banking services in accordance with existing laws, rules and 
     regulations and Republic Act 8792 (e-Commerce Law) as well as LANDBANK’s business rules and regulations 
     relative to the operation of the iAccess internet banking facility. 
2.  Either party may terminate this Agreement by giving ten (10) banking days advance written notice. 
3.  Effectivity of deletion shall be within five (5) days from the Branch’s receipt of the request for deletion. 
4.  Any transaction initiated on an enrolled account prior to its deletion is considered eligible transaction. 
5.  I/We recognize LANDBANK’s proprietary interest in iAccess and I/we shall use its modules for their intended 
     purpose only. 
6.  I/We shall have sole access to my/our iAccess account/s by taking the necessary steps to keep my/our iAccess ID
     and Password confidential. 
7.  I/We authorize the Bank to act upon any instructions which are identified by the use of my/our iAccess ID and 
     Password. I/We hereby accept full responsibility and accountability for all transactions executed via iAccess. 
8.  Resetting of my/our password shall be officially recognized by the Bank upon my/our written request. 
9.  LANDBANK shall consider as valid and binding any instruction given or transaction made using my iAccess ID and 
     Password. LANDBANK shall not be liable for any unauthorized action or transaction using my/our iAccess ID and 
     Password. The Bank shall not be obliged to investigate the authenticity of instructions sent via iAccess. However, 
     LANDBANK, as it deems necessary, is entitled to verify any instructions given through sending email online or via 
     telephone or any other means. 
10. LANDBANK may cancel or refuse to execute any of my/our instruction/s at any time without incurring any liability
     if these are against bank policies and iAccess business rules, deemed illegal and/or detrimental to the bank without 
     prior notice. 
11. For multiple transactions coming from one account with insufficient balance, LANDBANK, in its sole discretion, may 
     determine which of the transaction requests to complete. 
12. LANDBANK shall not be held liable for outstanding charges payable to the destination account by reason of the posting 
     of outstanding checks drawn against the source account which earlier remained unposted for whatever reason 
     thereby creating a temporary source account balance undiminished by the amount of the unposted checks. 
13. I/We shall verify, check and validate all my/our iAccess transactions and maintenance if these have been processed 
     by iAccess. If not, I/We shall notify LANDBANK immediately by sending email online or via telephone or any other means. 
14. A Reference Number shall be assigned to me/us for every submitted transaction. However, a financial transaction 
     may be denied for non-compliance of terms and conditions and business rules of the iAccess (e.g. if the designated 
     account is insufficiently funded, Account/Subscriber Number is incorrect). 
15. Confirmation for every transaction conducted through iAccess shall be through the Acknowledgment/Notification Page 
     or Transaction History function of iAccess which I/we can print from my/our own computer terminal. Otherwise, I/we
     can verify through the quarterly bank statements issued by my/our branch of account. 
16. In case of system failure, all pending future-dated transactions for the day shall be processed once the system is ready. 
     Cancellation of transactions initiated in iAccess shall not be allowed. If system failure lasted until the next banking day,
     all pending transactions from the previous day shall be automatically cancelled by the system. In this case, LANDBANK
     shall coordinate with me/us through sending email online or via telephone or any other means. 
17. LANDBANK shall not be liable if my/our bill remains unpaid and the biller discontinues/cancels my coverage.
18. All information given by the caller, when matched with the verification questions asked by the helpdesk administrators 
     shall be considered as valid. And that the caller shall be treated as the truthful owner/user of the account. Thus, 
     the LANDBANK Helpdesk Administrator shall not be held liable for any information given by the caller. 
19. I/We shall provide LANDBANK with a correct and operational email address. The Bank shall not be liable for any 
     undelivered email communication or from unauthorized interception or use of data relating to me/us or to my/our
     account(s). I/We shall promptly notify the Bank of any change in my/our email address, contact numbers, business 
     address or any other information which may affect communication by sending email online or via telephone or 
     any other means. 
20. I/We shall notify LANDBANK immediately upon receipt of any data or information through iAccess not intended for 
     me/us. I/We shall delete such data or information from my/our terminal immediately. I/We shall ensure the strict 
     confidentiality of such information. 
21. I/We shall promptly report any discrepancies, omissions, inaccuracies or incorrect entries in LANDBANK’s statement, 
     any unauthorized transactions made and instructions not implemented through email, telephone or any other means
     within 20 calendar days from date of transaction/instruction. 
22. If in case my/our deposit account was tagged with special instructions, I/we shall hold LANDBANK free from any obligation
     and liability on the effects of these special instructions on my/our transactions. 
23. LANDBANK reserves the right to determine the scope of iAccess, change the daily cut-off time, modify, restrict, 
     withdraw, cancel or disconnect any service without prior notice. In this case, LANDBANK shall coordinate with 
     me/us through sending email online or via telephone or any other means. It may also deactivate, suspend or 
     discontinue any service due to mishandling of accounts as defined by the Bank’s standard operating procedures 
          or, if in the Bank’s judgment, my/our continued access of iAccess may adversely affect the security of the system 
     without prior notice. 
24. LANDBANK shall not be liable for any cause beyond its control such as problems due to maintenance, telecommunication, 
     electrical, network failure, computer hardware or software (including viruses and bugs) or related/incidental 
     problems that may be attributed to the services of an information service provider. 
25. LANDBANK may amend/supplement this Agreement from time to time with effectivity date as specified in the email 
     notice. Notice of the amendment/supplement sent through email at the address shown on my/our account records 
     shall suffice. Thereafter, continued use of the iAccess shall constitute acceptance of the modification/supplement 
     to the Agreement. 
26. LANDBANK may limit my/our use of the services or terminate this Agreement once my/our account becomes dormant, 
     is closed, garnished, escheated or has violated any of the terms and conditions and business rules of the iAccess. 
27. LANDBANK may, in the future, impose charges on this arrangement within legal and regulatory limits and I/we hereby 
     authorize the Bank to impose the said charges accordingly upon notice through sending email online or via telephone
     or any other means without need for further demand, notice or consent. The Bank shall not be held liable for the 
     failure of transactions due to insufficient funds resulting from the deduction of authorized charges. 
28. LANDBANK shall not be liable for any loss or damage in connection with any unauthorized interception or use of data 
     relating to me/us or my/our account(s), including the missending thereof. 
29. I/We agree to be bound by the laws, rules, regulations and official issuances applicable to iAccess now existing or 
     which may later be issued, as well as such other terms and conditions governing the use of other facilities, benefits 
     or services the Bank may make available to me/us in connection with iAccess. 


I/We hereby certify to have read and understood the foregoing terms and conditions.  Further, I/we agree to be governed

by the provisions of these terms and conditions.