Policy on Conditional Approval This policy shall apply to all conditional car loan approval effective immediately. 1.

Requirements for all conditional approvals shall be waived within 24 hours from the time of the loan approval. 2. Accounts conditionally approved shall be forwarded to credit analysts for evaluation and verification. 3. The credit analyst, upon receipt of the conditionally approved accounts, shall do the following: 1. Office file checking 2. Personal data checking 3. Employment verification, business/trade verification, bank checking 4. During the interview, credit analysts shall inform the client of all the required documents and ascertain the needed time for the client to submit the requirements.

5. Name of immediate supervisor/head, department, and such additional questions as may be needed to get information from the client 6. In case credit analyst cannot contact client, account should be assigned for field verification, personal data verification, and employment verification. 7. The credit analyst shall inform the DLO concerned of the status of the account through a template to be uploaded in the lotus notes. See attached sample template. The Marketing Department: Name of Client:____________________________________ Aims / Alfes No. ___________________________________ Status: Verified Unverified Reason: ____________________________

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