RULE 112G. R. No. 174350 August 13, 2008SPOUSES BERNYL BALANGAUAN & KATERENE BALANGAUAN vs. TE ONORABLE !OURTO" APPEALS, SPE!#AL N#NETEENT $1%T& '#(#S#ON, !EBU !#TY & TE ONGKONG AN' SANGA# BANK#NG !ORPORAT#ON, LT'.BALANGAUAN )s!OURTO"APPEALS5*2 S!RA184Status andCharacteristicsMeaning ofAdministrative Agency"A!TS+ PetitionerKatherene wasaPremierCustomerServices Representative (PCSR) ofrespondentan!"#S$C.%saPCSR"she mana&edtheaccountsof#S$CdepositorswithPremierStatus.'nesuch c(ient and)or depositor hand(ed *herwasRo&er+wa*ne,or!(,or!).,or! maintainedsevera(accountswithrespondent#S$C.Sometimein%pri(2--2"hewenttorespondent#S$C.sCeu$ranchtotransactwithpetitionerKatherenerespectin&his +o((ar and Peso %ccounts. PetitionerKathereneein&on vacationatthe time" ,or!wasattended to*anotherPCSR. /hi(e atthe an!" ,or!in0uired aoutthestatusofhistimedeposit intheamountofP2"1--"---.--.2hePCSR representativewho attendedtohim"however"cou(dnotfind an*recordofsaid p(acementinthean!.s data ase. ,or! adamant(*insisted"thou&h"thatthrou&hpetitionerKatherene"hemadeap(acementoftheaforementionedamountinahi&her3earnin&timedeposit.,or! further e(aoratedthat petitioner Katherene e4p(ainedtohim thatthea((e&edhi&her3earnin&timedepositschemewas supposed(*ein& offeredtoPremierc(ientson(*. Uponfurtherscrutin* and e4amination"respondent #S$C.san! personne(discoveredthat5(1)on167anuar*2--2",or!pre3terminatedaP1"---"---.--timedeposit8 (2)therewere cash movementtic!etsand withdrawa(s(ips a((si&ned* ,or!fortheamountofP1"---"---.--8and(9)therewerere&u(armovementsin,or!.saccounts"i.e."e&innin&inthemonthof7anuar*2--2"month(*depositsintheamountofP12"1--.--and P6"999.99were made"which,or! deniedever ma!in&"utsurmised werethe re&u(ar interest earnin&s from the p(acement of the P2"1--"---.--.:twas(i!ewisediscoveredthattheaove3mentioneddepositsweretransactedusin&petitionerKatherene.s computerand wor! stationusin& thecode orpersona(password;CE'6.; 2hesi&nificance of code;CE'6"; accordin& to the an! personne( of respondent#S$C"isthat" ;it ison(*