DEPOSITS

Deposit Products:
1. Savings, Checking – “float money”; convenience via over the counter transactions, cash acceptance machines, or 24/7 channels; readily available and
accessible
2. Time Deposit – “bought”; bank “buys” money through high interest for a specified period of time
VALUE PROPOSITION: CUSTOMER NEEDS
TRANSACTIONAL (SAVINGS) BUILDUP (SAVINGS)
- Day to day account management - Building up of savings to achieve a goal
- Accessibility Goals: purchase of item, high yield investment
VALUE PROPOSITION
- Convenient access to funds - Yield benefit
- Fully loaded functionality (EPS, bills payment, reloading, fund - Protection of capital
transfers) - FREE insurance benefit
PRODUCTS
BPI PASSBOOK SAVINGS BPI SAVE-UP
Features: Features:
1. Earn interest on savings 1. Interest-earning, peso savings account tied to ATM savings account
2. Monitor balance online 2. With Save Up info card (carton)
3. Bank anywhere 3. No initial deposit required
FAQs: 4. Easily monitoring of savings
1. Can I withdraw OTC without my passbook? NO 5. Watch money grow
2. Does my passbook account name come with an ATM card? NO Variants:
3. Regular passbook v. Maxi-Saver? Regular passbook savings has lower SAVE-UP WITH INSURANCE SAVE-UP HIGH
maintaining balance and balance to earn interest Basic Life – 5x average MTD up to Earn higher interest as you save
4. Do I need to regularly update my passbook?? YES 2M more
Rates: Accidental Death – additional 5x Save-up account comes with an Info
1. Interest Rate per Annum – 0.250% your account’s average MTD- Card that includes:
2. Minimum Initial Deposit – Php 10,000.00 ADB up to 2M - Acct no
3. Maintaining Balance – Php 10,000.00 Accidental Dismemberment – in - Card no
4. Balance to Earn Interest – Php 25,000.00 accordance with the Schedule of - JAI
NB: check table for competitive analysis Disbursement Benefits, up to 2M
Info card also serves as proof of
BPI EXPRESS TELLER BPI-Philam Life Insurance
Features: Rates:
1. Earn interest on funds 1. Interest Rate – 0.25% (BPI); .50% (BFB)
2. Automatic savings via SAVE-UP (build-up product attached to the 2. Minimum Initial Deposit – N/A
express teller or “payroll”)

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 3. Cashless shopping 3. Maintaining Balance – Php 1,000.00
4. Manage finances 4. Balance to Earn Interest – Php 5,000.00 (BPI); Php 3,000.00 (BFB)
5. Ease of access NB: check table for competitive analysis
FAQs: FAQs:
1. Type of debit card, Cirrus or Debit Mastercard? Debit EMV Mastercard 1. How to withdraw? Transfer back to own account then proceed as
(new accounts, card migration, and accounts without mastercard) normal
2. When can I get debit card? After 7 banking days, with pin mailer 2. Proof of account/insurance? Info card
3. Can I enroll or use account to receive funds from Instapay or PesoNet? 3. Do transactions via Mobile Banking only? NO. Enroll first in Online
YES, except for USD or third currency accounts, Time Deposits, Banking before you can do transactions using mobile
SBA/Merchant/Collection accounts and prepaid cards
4. Can EMV Debit Mastercard be used in paying via POS? YES BPI PAMANA
Rates: Features:
1. Interest Rate – 0.250% 1. Savings account with free life insurance worth 3x your ADB, up to
2. Minimum Initial Deposit – Php 3,000.00 2M
3. Maintaining Balance – Php 3,000.00 2. Earns interest
4. Balance to Earn Interest – Php 5,000.00 3. Available in passbook and debit card variants; peso and USD
NB: check table for competitive analysis currencies
Free Life Insurance Features:
BPI KAYA SAVINGS 1. No premium payments
Features: 2. No medical check-ups
1. No maintaining balance 3. Insured on the day of account opening
2. Ease of access 4. Applicable to individuals 15-60 y/o
Debit Card Fees: Rates (Debit Card/Passbook) BPI:
- Php 5.00 fee for client initiated debits 1. Interest Rate – 0.25%/0.25%
- Php 200.00 for initial deposit 2. Minimum Initial Deposit – Php 25,000.00/Php 75,000.00
- Php 100.00 OTC charge 3. Maintaining Balance – Php 25,000.00/Php 75,000.00
4. Balance to Earn Interest – Php 25,000.00/Php 75,000.00
BPI JUMPSTART NB: check table for competitive analysis
Features: FAQs:
1. Guaranteed savings 1. Any medical check-ups or premium payments required? NO
2. Cellphone reloading 2. Max Life Insurance Coverage? 2M or 4,000 USD
3. Allowance card 3. Per Institution Per currency Rule? BPI and BFB: separate
FAQs: institutions. Hence, client can have 2 Pamana Savings acct with
1. Maintaining balance? Php 1,000 for BPI, Php 500 for BFB (but, waived different insurance coverage as long as not under the same entity
for first year) (same with dollar variant)
2. Ages 7-9 can open? YES, but seek for ABD’s approval first Understanding Insurance:
Rates: 1 year contestability period – coverage of an individual shall be
1. Interest Rate – 0.25% incontestable except for non-payment of premiums after it shall have been

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 2. Minimum Initial Deposit – Php 100.00 in force for 1 year from its Effective Date/Last Reinstatement Date.
3. Maintaining Balance – Php 1,000.00 (BPI); Php 500.00 (BFB) Contestability applies should the death be caused by certain exclusions as
4. Balance to Earn Interest – Php 2,000.00 stated in the agreement
NB: check table for competitive analysis 3 months MTD-ADB – month to date ADB of past 3 calendar months before
death REGARDLESS of number of accounts, total coverage will be Php 2M
EXPRESS DOLLAR AND OTHER FOREIGN CURRENCIES Effective Date – on first day of full recovery from such
Features: illness/disability/discharge (if applicable) from hospital/clinic as a fully
1. Earn interest recovered patient
2. International ATM convenience Coverage:
3. Remittances via telegraphic transfers 1. How can claim be invalidated? If cause of death within 1 year
4. Accepts various deposit items contestability period is either a critical illness or within a restricted
5. Easy monitoring area OR if insured is no longer eligible
6. Available – USD, JPY, Euros, British Pounds, AUD, Canadian Dollars, 2. Who should be insured for Joint Accounts? One of the
Swiss Francs, HKD, Chinese Yuan accountholders must be selected as insured. Unlike Get Started,
Primary Accountholder is NOT automatically the insured
3. Can I get Save-Up on top of Pamana Savings (or Pamana Savings on
top of Get Started?) YES, as these are covered by different term life
policies per product. Per product = per legal entity
No medical check-ups, 1 year contestability period:
1. Screening Qs on enrollment? NONE
2. If pre-existing condition is a critical illness, can you still get full
insurance benefit? Coverage of individual shall be incontestable
EXCEPT for non-payment of premiums after it shall have been in
force for 1 year from Effective Date or last reinstatement date.
Contestability applies (w/in first year) should death be caused by
certain exclusions as stated in agreement:
- Pre-existing condition, certain illness, deaths in restricted areas,
suicide, etc
- Any illness will be covered after 1 year contestability
Death Cert will indicate cause of death. Insurance is covered within
contestability period if cause of death is not illness
3. If contestability period for Pamana Savings has passed, will it be
waived in case I get a Save-Up with insurance? NO. New
contestability period will start

BPI MAXI SAVER

Features:
1. High interest savings account

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 2. Tiered interest: higher savings = higher interest
3. Additional bonus interest of 0.50% (if no withdrawal a month)
4. Easy access to funds
NB: check table for competitive analysis
Rates:
1. Interest Rate: (credited monthly)
a. Less than Php 50,000.00 – N/A
b. Php 50,000.00 – Php 499,999.00 – 0.250%
c. Php 500,000.00 – Php 999,999.00 – 0.375%
d. Php 1M and up – 0.750%
2. Minimum Initial Deposit – Php 50,000.00
3. Maintaining Balance – Php 50,000.00
4. Balance to Earn Interest – Php 50,000.00
FAQs:
1. Interest rates? See table
2. How to compute interest? Daily, based on end-of-day balance
3. Withdrawal limit? NO. but excess of 6 withdrawals in a calendar
month, the applicable interest rate will be based on the lowest
interest-bearing tier
BPI ADVANCE
Features:
1. Deposit anytime, earn in advance
2. Convenient account monitoring
3. Tiered interest
Interest Crediting schedule
Interest = Principal x Rate x Time

Computed until calendar month-end:

1. Upon every deposit (posting date)
2. Every start of the month
Interest – posted and taxed on the BPI Advance Savings account, with the
net interest subsequently transferred to a Settlement Account
Withdrawal Rules:
1. FREE when done on 1st banking day of the month
2. Withdrawals against deposits made on same day – no penalties as
these have not been paid out with interest yet
3. Withdrawals on days other than month end – subject to interest
adjustment and recovery of DST amount paid

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 Interest Adjustment:
(amount withdrawn) x (applied interest rate) x (# of days until month end) /
360
DST to be recovered:
(amount withdrawn) x (P1.50/P200) x (# of days until month end) / 365
Rates:
1. Interest Rate: (bonus rate .5% if no withdrawal a month)
a. Less than Php 100,000.00 – N/A
b. Php 100,000.00 – Php 999,999.00 – 0.750%
c. Php 1M and up – 1.250%
2. Minimum Initial Deposit – Php 100,000.00
3. Maintaining Balance – Php 100,000.00
4. Balance to Earn Interest – Php 100,000.00
NB: check table for competitive analysis
TRANSACTIONAL (CHECKING) INVESTMENT (TIME DEPOSIT)
BPI EXPRESS TELLER CHECKING - Investing Money in high-yield deposit
Features: - With capability to invest funds for a lock-in period for higher
1. Check protect returns
2. Bank anywhere Value Proposition:
3. Convenient account monitoring - Tax-free for longer tenors
- Protection of capital
BPI KA-NEGOSYO/BPI BIZLINK
Features: BPI PESO AUTO RENEW TIME DEPOSIT
1. Available in 2 variants: Features:
a. ATM with statement (individual) 1. Fixed yield with interest paid at the end of term
b. SOA (corporate) 2. Automatic renewal upon maturity (max of 2 years)
2. Real-time check clearing 3. Earning can be credited to principal upon renewal (roll over
3. Affordable – Php 10,000 maintaining balance principal + interest) or to a settlement account (roll over principal)
4. Bank anywhere
5. Convenience in transacting through Bizlink Solutions BPI PESO EXPRESS TIME DEPOSIT
Rates: Features:
1. Interest Rate – N/A 1. Financial flexibility with 1-34 days short term deposit
2. Minimum Initial Deposit – Php 10,000.00 2. Designed to attract idle corporate funds
3. Maintaining Balance – Php 10,000.00 3. Interest paid at the end of term
4. Balance to Earn Interest – N/A 4. Non-auto renew
NB: check table for competitive analysis
FAQs:

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 1. What’s Bizlink? New internet banking platform for business and corp BPI REGULAR TIME DEPOSIT (PESO AND FOREIGN CURRENCY)
clients Features:
2. What banking transactions can I do via Bizlink? 1. Fixed interest term deposit with interest paid upon maturity (to
a. Account and Liquidity Management settlement account)
o Inquire and view account balances and transactions 2. Non-auto renew
o Download bank statements 3. Available in USD, Euros, Jap Yen, AU Dollars, Canadian Dollars,
o Transfer funds from one company account to another Swiss Francs, British Pounds
b. Payments
o Pay Employees BFB PLAN AHEAD TIME DEPOSIT
o Pay Bills Features:
o Pay BPI Accounts 1. Protection from declining rates and unpredictability
3. Can I do transactions outside PH? YES as long as with internet access 2. Tax-free earnings upon completion of 5-year maturity
3. Exclusive for BFB individual accounts only
BPI MAXI-ONE Variants:
Features: PLAN AHEAD LUMP SUM PLAN AHEAD MONTHLY INCOME
1. Savings and checking in one account TD
2. Earn interest on all your funds Annual interest form part of Principal remains intact but
3. Enjoy checking convenience principal, giving the benefit of interest is credited to a settlement
Variants: compounded interest so funds ATM account for easy access and
MAXI-ONE WITH ATM AND MAXI-ONE WITH PASSBOOK keep growing utilization
STATEMENT Rates:
comes with monthly printed comes with passbook and monthly 1. Interest Rate (BPI):
statement and an Express Teller ATM statement of negotiated checks a. Php 100,000.00 – 999,999.00 – 4.250%
Card b. Php 1,000,000.00 – Php 4,999,999.00 – 5.000%
Rates: c. Php 5,000,000.00 and up – 5.250%
1. Interest Rate (BPI): 2. Minimum Initial Deposit – Php 100,000.00
a. Php 25,000.00 – N/A 3. Term of Placement – 5 years
b. Php 25,000.00 – Php 999,999.00 – 0.250% 4. Interest payment – monthly or bullet
c. Php 1M and up – 0.350% NB: check table for competitive analysis
2. Minimum Initial Deposit – Php 25,000.00 FAQs:
3. Maintaining Balance – Php 25,000.00 1. Difference of monthly and bullet payment? The two refers to the
4. Balance to Earn Interest – Php 25,000.00 crediting of interest earned by client. (monthly = monthly credit,
bullet = after 5 years maturity of account)
NB: check table for competitive analysis 2. Is interest rate monthly or annually? ANNUALLY
3. Rates net or gross? GROSS
4. Tax exempt if held until maturity? YES, for individual accounts. For
non-individual, subject to 20% or 30% final withholding tax
5. Available for individual and corporate? YES

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 CORPORATE PRODUCTS OVERSEAS FILIPINO
Key differences from Individual Accounts: BPI PAMANA PADALA
1. Maintaining balance Features:
2. Interest rates 1. One-time remit to account holder
3. Initial deposit requirements 2. Transfer money 24/7 via BPI Online Banking
3. Remittance income continuation
BPI EXPRESS TELLER SAVINGS + SAVE UP Insurance Features:
1. Benefit that our corporate clients’ employees (payroll) will receive at 1. Free 90-day personal accident insurance worth Php 100,000 valid
no cost to company from the account opening date
2. Motivates saving and increases financial wellness among employees, 2. Free life insurance coverage
which can have an impact on overall morale o Remit regularly to BPI Pamana Padala account
3. Includes free insurance with no medical checkup or premium o Free Life Insurance Coverage on 4th remittance within a
payments required 12-month period year
4. Encourage save up account opening upon hiring of new employee o Coverage = total amount of remittances sent, up to a
maximum of 300k or 6k USD
BPI EXPRESS LINK o Upon account holder’s death, beneficiary will still receive
Cash Management solutions improve collections efficiency, payment handling, a month’s worth of remittance for the next 12 months
and account monitoring to make our clients’ businesses run smoothly and
effectively
1. Receivables Solutions (ADA, DPU, eCommerce, Night Depository, PDC
Warehousing, Branch and Bill Payment Collections, Salesmen
Collection
2. Payables Solutions (Bills Payment, Government Payments, Check
Cutting, Supplier Payment, Salary/Benefit Disbursement, Cross-Border
Funds Transfer
3. Liquidity and Account Management (Deposits Account Information,
Corporate Bank Statements, Corporate Credit Card Information,
Account Sweeping Facility, Funds Transfer Facility
4. Corporate Internet Banking (Payroll, Manage Accounts Liquidity, Make
Payments to Suppliers, Collect Payments, Government Payments,
eCommerce)

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 Find the right YOUTH CAREER STARTERS MIDDLE CLASS ASPIRANTS AFFLUENT SENIORS
deposit solution for 10-17 YEARS 30-60 YEARS 30-60 YEARS
18-30 YEARS OLD 30-60 YEARS OLD 60 AND ABOVE
your client OLD OLD OLD
TRANSACTIONAL JUMPSTART EXPRESS TELLER MAXI-ONE PASSBOOK SAVINGS
SAVE-UP AUTOMATIC SAVINGS
MAXI-SAVER
(Class A, B, and Upper C)
BUILD-UP ADVANCE
EASY SAVER PAMANA
ADVANCE
(class C, D) (Class C’s Family Head)
INVESTMENT PLAN AHEAD / AUTO-RENEW TIME DEPOSIT

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