http://www.bpicards.

com/Page/7
1. How much is the minimum payment required?
The minimum payment required is 5% of all retail transactions plus entire Special nstallment Plan
amorti!ation for the month. "ny amount past due and in e#cess of the total credit limit form part of the
minimum payment required and should be paid in full.
2. How do I compute for Interest Charges?
nterest charges on regular purchases is computed by multiplying the applicable finance charge rate
depending on the card type with the a$erage daily balance %"&'(.
The "&' is determined as follows:
a. )ultiply the pre$ious statement balance with the number of days that the amount is outstanding or
unchanged.
b. *hene$er there is payment+ deduct the payment from the statement balance and multiply with the
number of days from the payment date until the ne#t statement date or statement date.
c. Sum up the balances computed and di$ided with the number of days from the pre$ious to the current
statement to arri$e at the "&'.
nterest charges on Special nstallment is computed by multiplying the total amount a$ailed by the
applicable interest rate+ depending on the term. )onthly payment shall first be applied to interest then
to the principal using the diminishing balance method.
3. How do I know my statement date and payment due date?
Please refer to your statement of account which specifically states the statement date and payment due
date.
,ou may also chec- by sending '".//%space(012digit /ard number to 3374 for 5lobe/T)
or 6374 for S)"7T/Tal- n Te#t.
8#: '".// 139:5179364579;:
4. When do I get the tatement of !ccount?
Please e#pect your monthly statement of account be sent to you after 03 days after the statement date.
f you do not recei$e your statement of account+ please call 'P 8#press Phone 9;20::.
". How do I pay my #$I %&press Credit Card?
"ll your 'P 8#press /redit cards are consolidated in one statement of account thus no separate
payments are needed for your $arious 'P 8#press /redit cards.
f you ha$e a deposit account with 'P or 'P <amily Sa$ings 'an-+ simply enroll your credit card/s at
your branch of account and you can pay through any of the following:
a. 'P or 'P <amily Sa$ings 'an- "T)s
b. 'P 8#press Phone <acility
c. =nline $ia www.bpie#pressonline.com
d. 'P 8#press )obile
e. "uto2&ebit "rrangement %"&"( 2 a facility that allows you to automatically settle your outstanding
balance in full or minimum by debiting your account.
Payments may be made at any 'P or 'P <amily Sa$ings 'an-. <or chec- payments+ please ma-e
chec-s payable to 'P+ followed by Customer 'o. written at the first page of your statement.
(. How do I a)ai* of the cash ad)ance transaction?
/ash ad$ance is a facility that allows you to get cash anytime using your 'P 8#press /redit /ard. t
can be a$ailed at o$er 0+5:: 'P "T)s nationwide and 0.3 millon /irrus2affiliated "T)s worldwide.
To a$ail of this facility+ you must first nominate a Personal dentification >umber %P..>.( at a 'P
8#press 'an-ing /enter. /ontact 9;20:: %)etro )anila( or 029::209929;0:: %domestic toll2free ?
where a$ailable( for the list of 'P 8#press 'an-ing /enters near you.
8ach cash ad$ance transaction is sub@ect to a minimum fee:
2 <or withdrawals up to P7+5::+ P6::/transaction
2 <or withdrawals more than P7+5::+ 4% of amount withdrawn
+. How do I report any error or questions a,out my ,i**?
"ny inquiries+ errors or disputed transactions in the Statement of "ccount should be reported
immediately by calling 'P 8#press Phone 9;20::.
-. How do I report a *ost card and request for its rep*acement?
7eport a lost or stolen card immediately by calling 'P 8#press Phone 9;20::. The line is open 34
hours e$eryday.
/opyright A 3:03 'an- of the Philippines slands. "ll 7ights 7eser$ed.
BPI PREPAID CARDS PURCHASE AGREEMENT
IMPORTANT: Address, date of birth, and other details must be those of the Cardholder
and the Purchaser. Please read this Purchase Agreement carefully.
. THE CARD ! "hall refer to #PI Pre$aid Cards such as %&$ress Cash, %&$ress
Money Order, %&$ress Cash 'ift Cards, %&$ress Cash Photo 'ift Cards, My
ePre$aid (hich are affiliated (ith MasterCard, More )un Pre$aid Card (hich is
affiliated (ith *isa, or a local $ro$rietary Card, and such other Cards to be
issued by #PI from time to time, (hich can be $urchased for $ersonal use or as
a gift to a third $arty, or for (hate+er legal $ur$ose it may ser+e.
,. CARDHOLDER / PURCHASER ! The term -Cardholder. shall refer to /i0 a
$erson (ho $urchases or a+ails of a Card for his1her o(n use or the $erson for
(hom or for (hose use a Card is $urchased, and /ii0 (hose name is $rinted on
the Card. The term -Purchaser. shall refer to the $erson (ho $urchases or
a+ails of a Card for his1her o(n use or for the use of another.
)or generic1nameless Cards, the Purchaser shall be deemed to be the
Cardholder and agrees to be solely and e&clusi+ely bound by the Purchase
Agreement for the issuance of the Pre$aid Card (hether such Card be for
his1her o(n use or for the use of another.
All Cards should be signed by the rele+ant Cardholder and are non!
transferable.
2. RESPONSIBILITY OF THE CARDHOLDER ! The Cardholder agrees to /i0 sign
the Card immediately u$on recei+ing it and /ii0 safeguard the Card as if it (ere
cash. #PI may, at its o$tion, assign a system!generated $ersonal identification
number /PIN0 to a Card /e&ce$t for #PI %&$ress Cash 'ift Card, #PI %&$ress
Cash Photo 'ift Card, My ePre$aid, and More )un Pre$aid Card0 to enable the
Cardholder to (ithdra( cash or do balance in3uiries +ia the ATM. It is also
ad+ised that the Cardholder immediately change this initial PIN and nominate
his o(n PIN.
4. USES AND LIMITATIONS OF THE CARD ! The Cardholder can use #PI
Pre$aid Cards to $ay for $urchases and ser+ices a+ailed. All #PI Pre$aid Cards
are not de$osit accounts, and the +alue stored is not insured by the Phili$$ine
5e$osit Insurance Cor$oration /P5IC0. %numerated belo( are the s$ecific uses
for the Cards:
)or BPI Express Cash and BPI Express Money Order, the Card can be
used to $ay for $urchases and ser+ices a+ailed at any MasterCard!affiliated
establishment nation(ide. It can also be used for balance in3uiry, cash
(ithdra(al, $re$aid mobile $hone reload and fund transfer to another #PI
Pre$aid Card +ia #PI ATMs nation(ide. The (ithdra(al is limited to a ma&imum
of T(enty Thousand Pesos /P,6,666.660 $er day. The Card cannot be used for
O+er!the!Counter (ithdra(als at any #PI1#PI )amily "a+ings #an7 branch.
)or BPI Express Cash Gift Card and Express Cash Photo Gift Card, the
Card can be used to $ay for $urchases and ser+ices a+ailed at any MasterCard!
affiliated establishment nation(ide.
)or BPI My ePrepaid, the Card can be used for $ayments of any $urchases
made online at any MasterCard!affiliated (ebsite and $ayments of $urchases
and ser+ices at any MasterCard!affiliated establishment (orld(ide.
)or the More Fun Prepaid Card, the Card can be used for $ayments of any
$urchases made online at any *isa!affiliated (ebsite and $ayments of
$urchases and ser+ices at any *isa!affiliated establishment (orld(ide.
)or the My ePre$aid and More )un Pre$aid Card, $ayment transactions made
abroad (ill be con+erted at the e&change rate on the date the transaction is
$osted. In cases of return of goods, tic7ets, and other ser+ices obtained
through the use of the Card (here the merchant $ermits such return, the
Cardholder agrees to absorb any loss or gain in relation to the e&change rate
(hich may be charged to the Card. Payment transactions made online and1or
abroad using the Card are sub8ect to the regulations, controls, or limitations
im$osed by the merchant, institution and1or country.
#PI %&$ress Cash 'ift Card, %&$ress Cash Photo 'ift Card, My ePre$aid and
More )un Pre$aid Card cannot be used for cash (ithdra(als at #PI ATMs or at
any #PI or #PI )amily "a+ings #an7 branches.
9. ACCREDITED ESTABLISHMENTS ! #PI has agreed (ith MasterCard
International that Cards bearing the MasterCard or MasterCard %lectronic logo
shall be honored at all MasterCard!affiliated merchants (ith electronic
terminals. Cards (ith Internet sho$$ing functionality can also be used in
MasterCard!affiliated sho$$ing sites through an online $ayment facility.
#PI has also agreed (ith *isa that Cards bearing the *isa logo shall be honored
at all *isa!affiliated merchants (ith electronic terminals. Cards (ith Internet
sho$$ing functionality can also be used in *isa!affiliated sho$$ing sites through
an online $ayment facility.
:o(e+er, #PI shall not be res$onsible1liable to the Cardholder if for any reason,
the Card is not acce$ted. The Cardholder agrees to hold #PI, its directors,
officers, em$loyees and re$resentati+es free and harmless from any and all
claims for damages resulting from the failure or refusal of any merchant to
honor the Card. Cardholder should al(ays carry an alternati+e $ayment
method and not solely rely on the Card to $rocess $ayment of goods
and1ser+ices $urchased.
;. CARD VALUE ! The +alue of the Card is determined by the Cardholder or
Purchaser by sim$ly loading +alue in the Card. The total +alue in the Card must
not, at any gi+en time, e&ceed /a0 T(enty Thousand Pesos /P,6,666.660 for
#PI %&$ress Cash, #PI %&$ress Money Order, #PI %&$ress Cash 'ift Card and
%&$ress Cash Photo 'ift Card, and /b0 One :undred Thousand Pesos
/P66,666.660 for #PI My ePre$aid and More )un Pre$aid Card /each of /a0 and
/b0 is referred to as, the -Ma&imum Card *alue.0.The Cardholder may chec7
the balance of the Card by in3uiring +ia: /i0 %&$ress Phone /<=!660> /ii0 any
%&$ress Teller ATM nation(ide /if Card has a +alid 4!digit Personal Identification
Number /PIN0> /iii0 %&$ress Online, $ro+ided the Card has been enrolled in the
Purchaser?s1Cardholder?s %&$ress Online account, or /i+0 by te&ting using a
mobile $hone, 7ey in #A@%C A; digit #PI Pre$aid Card numberB and send to
,,C4 for 'lobe and Touch Mobile and 2,C4 for "MART D Tal7 En Te&t.
7. CARD RELOAD ! The Card can be reloaded by the Cardholder, the Purchaser,
or by a third $arty (ith additional +alue any time as long as it has not yet
e&$ired, and the Ma&imum Card *alue has not been e&ceeded. The ma&imum
amount that can be loaded $er day is /i0 T(enty Thousand Pesos /P,6,666.660
for #PI %&$ress Cash, #PI %&$ress Money Order, #PI %&$ress Cash 'ift Card
and %&$ress Cash Photo 'ift Card, and One :undred Thousand Pesos
/P66,666.660 for #PI My ePre$aid and More )un Pre$aid Card, or /ii0 the
difference bet(een the Ma&imum Card *alue and the balance of the Card,
(hiche+er is lesser. )unds transfer from an e&isting de$osit account to the Card
can also be done thru: /i0 %&$ress Phone /<=!660 /ii0 %&$ress Online
/(((.b$ie&$ressonline.com0 /iii0 all %&$ress Teller ATMs nation(ide /i+0
%&$ress Mobile, and /+0 all %&$ress 5e$osit Machines. The actual time of
crediting the load (ill de$end on (hat channel (as used to reload. "ome
channels may also re3uire $re!enrollment or encoding of $ass(ords, security
numbers, or codes before reloading can be done. The aggregate load limit $er
client $er month is sub8ect to #ang7o "entral ng Pili$inas /#"P0 Circular ;4=
/'uidelines 'o+erning the Issuance of %lectronic Money0 and such other
guidelines as may be issued by the #"P from time to time. Only cash and its
e3ui+alent /e.g. fund transfer from a de$osit account0 shall be acce$ted for
loading +alue into the Card. The #an7 reser+es the right to, (ithout notice and
(ithout liability, deacti+ate Cards e&ceeding the load and balance limit. No
chec7s shall be acce$ted for loading +alue into the Card.
<. EXPIRY AND RENEWAL OF THE CARD ! Fnless earlier terminated by #PI, or
+oluntarily cancelled or returned by the Cardholder, the Card shall be +alid
from the day of issuance or rene(al of the Card u$ to the last day of the month
indicated on the face of the Card /the -e&$iry date.0. Only the Cardholder may
re3uest for the rene(al of the Card, (hich should be accom$lished (ithin One
:undred T(enty /,60 days from Card e&$iry date thru: /i0 %&$ress Phone /<=!
660, sub8ect to Positi+e Identification /PI50 or /ii0 any #PI or #PI )amily
"a+ings #an7 branch. The Cardholder must accom$lish all re3uirements set by
#PI at the time of re3uest for rene(al. #PI has the right (hether to a$$ro+e or
deny the rene(al re3uest. The Cardholder agrees that if no re3uest for rene(al
is submitted1called in to #PI, and the Card has a remaining +alue, a monthly
maintenance feeG shall be charged to the Card beginning on the One :undred
T(enty )irst /,st0 day from Card?s e&$iry date. In case the re3uest for
rene(al is denied for (hate+er reason, a ManagerHs Chec7 in the name of the
Cardholder (ith the amount e3ui+alent to the remaining load at the time of
e&$iry (ill be issued (ithin Ninety /=60 days.
More )un Pre$aid Card and generic1nameless Card, ho(e+er, are not rene(able
and shall automatically e&$ire on their e&$iry date. Cardholder1Purchaser may
a$$ly for a ne( card online.
=. CARD INACTIVITY AND EXPIRY FEES ! A Card not used for One :undred
T(enty /,60 continuous days shall be automatically $laced in inacti+e status.
#PI may, at its o$tion, im$ose a reasonable inacti+ity feeG for any Card that
has been in inacti+e status, to be deducted from the stored +alue of the Card,
at the end of each month. Once the +alue of the inacti+e Card becomes Iero, it
shall be automatically closed. "imilarly, a Card (ith remaining +alue not
claimed (ithin One :undred T(enty /,60 days after its e&$iry date, shall be
assessed a monthly maintenance feeG to be com$uted starting on the One
:undred T(enty )irst day /,st0 after the e&$iry date and automatically
deducted from the Card balance. "hould the Card balance become Iero as a
result of the fees deducted, the Card shall li7e(ise be closed. #PI reser+es the
right to im$ose additional fees as may be necessary in $ro+iding this ser+ice. It
is hereby understood that redem$tion of balances from e&$ired Cards shall be
net of all a$$licable fees.
Kung ang Card ay hindi nagamit sa loob ng Isang Daan at Dalawampung (120)
sunod-sunod na araw mula sa pagka-issue o huling transaksyong gamit ito,
ang Card ay agad-agad malalagay sa inati!e status" #aaaring maningil ang
$%I ng inati!ity &ee' sa katapusan ng bawat buwan" (a oras na maubos ang
balanse ng Card, ito ay kaagarang isasara" )numang Card na may nalalabing
balanse matapos ang Isang Daan at Dalawampung (120) araw pagkaraan ng
e*piry date ay maaaring mapatawan ng maintenane &ee' kada buwan na
sisingilin mula sa unang araw matapos ang Isang Daan at Dalawampung (120)
araw" Ito ay agarang mababawas sa balanse ng Card" )numang balanse na
matitira matapos mabawasan ng ser!ie maintenane &ee' ay ang halagang
maaaring makuha ng Cardholder" (a oras na maubos ang balanse ng Card ng
ser!ie maintenane &ee', ang Card ay kaagarang isasara" )ng $%I ay may
karapatan magpataw ng anumang &ees para sa serbisyong ito"
6. LOSS OF THE CARD ! A lost Card is li7e lost cash. F$on disco+ery of the loss
of the Card, the Cardholder should immediately call <=!66 or if abroad, #PI
toll!free numbers listed on #PI %&$ress Online. After it has recei+ed a re$ort of
the loss of the Card, #PI shall $roceed to bloc7 the further use of the Card.
Cardholder may re3uest reimbursement of unused load +alue in the Card after
Ninety /=60 days from re$ort of loss. Reimbursement can either be, at the
o$tion of #PI, in the form of a ManagerHs Chec7 made $ayable to the
Cardholder or a re$lacement Card, both of (hich shall be sub8ect to ser+ice
feesG. @osses due to the use of a lost1stolen Card before the loss or theft has
been re$orted and the bloc7ing com$leted shall be for the account of the
Cardholder.
(umasang-ayon ang Cardholder na kinakailangang tumawag agad sa +,-100,
at kung nasa abroad, tumawag sa mga toll-&ree numbers ng $%I na nakatala
sa $%I -*press .nline upang ipaalam ang pagkawala o pagkanakaw ng
kanyang Card" .ras na matanggap ng $%I ang tawag, agarang iba-blok ang
anumang transaksyon para sa Card na ito" Kung sakaling nagamit ang Card
bago ito naitawag na nawawala o nanakaw, ang anumang pagkawala o
pagkabawas ng pera ay para sa aount ng Cardholder" (umasang-ayon rin
ang Cardholder na maaari lamang makuha ang anumang nalalabing balanse sa
Card makalipas ang (iyamnapung (,0) araw matapos itawag ang pagkakawala
ng Card, sa option ng $%I, sa pamamagitan ng #anager/s Chek na
nakapangalan sa Cardholder o kaya/y pagpapalit ng bagong Card na may
karampatang ser!ie &ees'"
. REPLACEMENT OF DAMAGED CARDS ! #PI shall re$lace a damaged Card for
free if it still has its full ORI'INA@ load +alue and :A" NOT #%%N F"%5 for any
transaction. In the e+ent the damaged Card has less than its original +alue
and1or has already been used by the Cardholder for any transaction, #PI shall
issue a re$lacement Card (ith +alue e3ual to the remaining balance of the
damaged Card, sub8ect to Cardholder?s $ayment of ser+ice feesG. The
re$lacement Card can be claimed )i+e /90 ban7ing days for nominated 'MMA
branches, and "e+en /C0 ban7ing days, for nominated non!'MMA branches
including *isayas and Mindanao, after #PI recei+es the re$lacement re3uest.
,. SETTLEMENT OF FINANCIAL LOSSES ! )inancial losses of the Cardholder
arising from security breaches, system failures, or errors committed by #PI or
any #PI $ersonnel shall be settled by automatic credit to the Card. If the
Cardholder (ishes to discontinue using the Card, #PI shall issue a ManagerHs
Chec7 made $ayable to the Cardholder e3ui+alent to the unused load.
"ettlement of losses shall only be done after in+estigations conducted by #PI
and1or its affiliates.
)ng &inanial losses ng Cardholder o pagkabawas ng balanse ng Card na dulot
ng seurity breahes, system &ailures, o anumang errors ng $%I o empleyado
ng $%I ay pagbabayaran sa pamamagitan ng pag-redit sa Card" Kung gusto
naman ng Cardholder na itigil na ang paggamit ng Card, magbibigay ng
#anager/s Chek ang $%I na nakapangalan sa Cardholder na naglalaman ng
katumbas na balanse ng Card" )ng pag-aayos nito ay gagawin lamang
pagkatapos maimbistigahan ng $%I o ng mga a&&iliates nito ang kaso"
06. SERVICE CHARGE AND OTHER FEES ! The Cardholder and the Purchaser
recogniIe the right of #PI to im$ose charges such as ser+ice feesG, loading
feesG, and other feesG on any or all of its $roducts, ser+ices, and facilities. The
Cardholder and1or Purchaser agree to $ay such ser+ice charges and fees
$resently im$osed or may, in the future, be im$osed by #PI at the latterHs
o$tion. As necessary, the amount of said ser+ice charges and fees may also be
re+ised by #PI from time to time. The Cardholder and1or Purchaser may be
notified of ne( or re+ised charges or fees thru any of the follo(ing: /i0 #PI
ATMs> /ii0 (((.b$ie&$ressonline.com> /iii0 #PI and #PI )amily "a+ings #an7
branches> or /i+0 other communication channels a+ailable to #PI.
Kinikilala ng Cardholder at ng %urhaser ang karapatan ng $%I na maningil
para sa mga produkto, serbisyo, at mga pasilidad na ibinibigay nito"
(umasang-ayon ang Cardholder at0o %urhaser na magbayad ng anumang
pangkasalukuyang harges tulad ng ser!ie &ees', loading &ees' o anumang
&ees' sa $%I sa hinaharap" )ng $%I ay maaaring magdagdag ng ser!ie &ees'
o magsagawa ng pagbabago sa halaga ng nasabing ser!ie &ees' anumang
oras" Ito ay maaaring ipagbigay alam sa pamamagitan ng anunsyo sa1 (i) $%I
)2#s3 (ii) www"bpie*pressonline"om3 (iii) mga sangay ng $%I o $%I 4amily
(a!ings $ank3 o (i!) iba pang ommuniation hannels ng $%I"
4. UNCLAIMED CARDS ! F$on a$$lication the Card can be claimed (ithin )i+e to
"e+en /9!C0 ban7ing days, for nominated #ranches in 'MMA, and "e+en to Ten
/C!60 ban7ing days, for nominated #ranches in non!'MMA including *isayas
and Mindanao. Any Card unclaimed after Thirty /260 days from the time of
deli+ery to the nominated #ranch shall be $erforated for security reasons. Any
Cardholder and1or Purchaser (ho fails to claim his Card (ithin such $rescribed
$eriod shall be re3uired to $urchase a ne( one.
9. COMPLIANCE WITH EXISTING LAWS ! The Cardholder and Purchaser
hereby (arrant that the use of the Card, including but not limited to the
transfer and1or recei$t of funds using the Card and the a+ailable channels for
the Card, do not and (ill not +iolate the Anti!Money @aundering @a(, as
amended as (ell as other a$$licable la(s, rules, or regulations. #y signing this
Agreement or using the Card, the Cardholder and Purchaser hereby agree to
render #PI, its officers, em$loyees, and re$resentati+es, free and harmless and
indemnified from any liabilities, damages, suits, or causes of action (hatsoe+er
(hich may arise from any +iolation of said la(s, rules, or regulations.
Moreo+er, #PI, u$on reasonable sus$icion of fraud, irregularity, or anomaly
in+ol+ing the Card may automatically bloc7 the use thereof, (ith or (ithout
notice, and initiate in+estigation.
;. AMENDMENTS ! #PI may, at anytime and for (hate+er reason it may deem
$ro$er, amend, re+ise, or modify this Agreement. Any such amendment shall
bind the Cardholder and Purchaser u$on date of effecti+ity as s$ecified in the
notice. The Cardholder or Purchaser may ha+e his1her Card terminated (ithin
)ifteen /90 days from notice if he1she refuses to be bound by the amendment.
)ailure to notify #PI of Cardholder?s or Purchaser?s intention to terminate
his1her Card (ithin the $rescribed $eriod shall be construed as acce$tance by
the Cardholder of the amendments to this Agreement.
C. LIMITATION OF LIABILITY ! #PI shall not be liable to the Cardholder or
Purchaser for any loss, damage, claim, cost, or other liability arising from the
Agreement or the use or misuse of the Card unless solely and directly caused
by the gross negligence or (illful misconduct of #PI or its officers, em$loyees,
or re$resentati+es. #PI?s total liability arising out of, or in connection (ith, this
Agreement shall be limited to 96J of Card balance or the actual and $ro+en
amount lost, (hiche+er is lo(er.
<. DISCLAIMER OF WARRANTIES ! %&ce$t as set out in this Agreement, all
(arranties, conditions and other terms, im$lied by la( or statute, are e&cluded
from this Agreement. #PI do not re$resent or (arrant to the Cardholder or
Purchaser that: /i0 the use of the Card (ill meet his1her re3uirements> /ii0 (ill
be uninterru$ted, timely, secure or free from error> and /iii0 (ill be acce$ted or
honored at all merchant establishments. #PI may also decline to $rocess any
$urchase (ithout $rior notice to the Cardholder or Purchaser or the rele+ant
merchant.
=. CONSENT OF PROCESSING INFORMATION K The Cardholder and Purchaser
e&$ressly agree and consent, (ithout need of notice, to the collection,
recording, organiIation, storage, u$dating, retrie+al, consultation, use,
consolidation, bloc7ing, erasure or destruction of all information relating to the
Purchaser and1or Cardholder in connection (ith, or arising from, the $urchase
and1or use of the Card, by any or all of the follo(ing: /i0 #PI, its subsidiaries,
affiliates and related interests, (hether organiIed in the Phili$$ines or in other
8urisdictions> /ii0 $artici$ating merchants, $ayments technology com$any/ies0,
credit information1in+estigation com$anies, financial institutions, credit
bureaus, loyalty $rogram $artners, consumer re$orting or reference agencies,
(hether based in the Phili$$ines or other 8urisdictions> /iii0 go+ernment
regulatory agencies1bodies ha+ing authority or 8urisdiction o+er #PI, its
subsidiaries, affiliates and related interests> /i+0 entities engaged by #PI, its
subsidiaries, affiliates and related interests to facilitate administration,
ser+icing, and im$lementation of the Card, as (ell as other #PI $roducts,
ser+ices, facilities and channels> and, /+0 such other $ersons or entities that
#PI may deem as ha+ing authority or right to such information, as and (hen
re3uired by the circumstances.
,6. AGREEMENT TO THESE TERMS AND CONDITIONS ! The Cardholder?s or
Purchaser?s signature herein, or by Cardholder?s use of the Card, or the
Cardholder?s recei$t of the Card from the Purchaser /if Cardholder is not the
Purchaser0, constitutes Cardholder?s agreement to and acce$tance of these
terms and conditions and the Terms and Conditions of the #an7 of the
Phili$$ine Islands go+erning PRO5FCT", "%R*IC%", )ACI@ITI%", AN5
C:ANN%@". The Cardholder and Purchaser fully understand the corres$onding
ris7 entailed in a+ailing of such $roducts, facilities, ser+ices, and channels. The
Cardholder and Purchaser agree to any and all su$$lement/s0, modification/s0,
or amendment/s0 of such terms and conditions, notices of (hich shall be
$osted in the #an7Hs $remises, (ebsite, or any other channel a+ailable to #PI.
GThe a$$licable fees and charges shall be $ublished in the #an7?s (ebsite at
Client F$dates $ortion from time to time and made an integral $art hereof.

Truth in Lending Act





Important

B
A$$lication forms recei+ed (ithout re3uirements (ill not be $rocessed.

B
Lour home or business address must be (ithin a 267m. radius of a #PI or #PI
)amily #an7 branch or Pro+incial #usiness Center.




F!"" o#t t$% App"!&at!on Form

P"%a'% ta(% not% t$at man)ator* +!%")' ar% mar(%) ,!t$ an a't%r!'(-./0 P"%a'% +!"" o#t a'
man* +!%")' a' po''!1"% to !n&r%a'% &$an&%' o+ appro2a"0


I0 ABOUT ME


. @ast Name

. )irst Name

. Middle Name


Name to a$$ear on
card
/must not e&ceed
,2 characters,
including s$aces0

.
Mother?s )ull
Maiden Name

.
#irthdate
/mm1dd1yyyy0

,


Place of #irth

. "e&

. Ci+il "tatus

. No. of 5e$endents


T.I.N. /Ta&
Identification
Number0

! ! !


""" or '"I"
Number

. Car O(nershi$


No. of cars o(ned

I& mortgaged

P$p $er month

. CitiIenshi$


Non!)ili$ino /$lease
s$ecify0

000
0.00
.
Preferred #illing
Address
/(here
corres$ondences
(ill be sent0


.
Residence Address
/street1road1a+enue
, subdi+ision
1+illage1com$ound0

.
Residence Address
/district1barangay0

.
Residence Address
/city0

.
Residence Address
/Ii$ code0


/Please fill out if not the same as :ome Address.0


Permanent Address
/street1road1a+enue
, subdi+ision
1+illage1com$ound0


Permanent Address
/district1barangay0


Permanent Address
/city0


Permanent Address
/Ii$ code0

. :ome O(nershi$

I& mortgaged
or rented

P$P $er month

. Lears of "tay

.
:ome Phone
Number

!


)a& Number

. Mobile Number


"end me "M"1MM"
$romo u$dates

. %mail Address


Please $ro+ide an
acti+e email
address in order to
recei+e your
statement of
account.

Mindly indicate if you?re related to a #)# 5irector, Officer, "toc7holder
and Related Interest /5O"RI0:

Name:


Relationshi$:




II0 ABOUT MY SPOUSE

@ast Name

)irst Name

0.00
Middle Name

"$ouse #irthdate
/mm1dd1yyyy0

,

%m$loyer1#usiness
Name

Position

Lears (1 Present
%m$loyer1#usiness

"$ouse
Office1#usiness
Address
/street1road1a+enue
, subdi+ision
1+illage1com$ound0

"$ouse
Office1#usiness
Address
/district1barangay0

"$ouse
Office1#usiness
Address
/city0

"$ouse
Office1#usiness
Address
/Ii$ code0

"$ouse
Office1#usiness
Phone Number

"$ouse T.I.N. /Ta&
Identification
Number0

! ! !

"$ouse 'ross
Annual Income

P$p




III0 ABOUT MY WOR3

%m$loyment Ty$e

.thers

Lears (1 Present
%m$loyer1#usiness

%m$loyer1#usiness
Name

Position

Nature of
#usiness1Industry

Office1#usiness
Address
/street1road1a+enue
,
subdi+ision1+illage1c
om$ound0

Office1#usiness
Address
/district1barangay0

Office1#usiness
Address
/city0

Office1#usiness

000
0.00
Address
/Ii$ code0
Office1#usiness
Phone Number

@ocal1%&t
Number

)a& Number

%mail Address

'ross Annual
Income

P$p

Pre+ious %m$loyer

Lears (1 Pre+ious
%m$loyer1#usiness





IV0
ABOUT MY
FINANCES/BAN3
RELATIONSHIP
MY OTHER CREDIT
CARDS /if any0
Credit Card Com$any

Card Number

Credit @imit

%&$iry 5ate
/mm1yyyy0
.

,.

2.

MY BPI/BPI FAMILY
BAN3 ACCOUNTS /if
any0

Account Number

5e$osit Ty$e

#ranch @ocation

.

,.

2.


MY OTHER CREDITORS
/if any0

Creditor

5ate 'ranted /mm1dd1yyyy0

,

Term

Amount 'ranted

P$p

0.00
0.00
Monthly AmortiIation

P$p $er month


Creditor

5ate 'ranted /mm1dd1yyyy0

,

Term

Amount 'ranted

P$p

Monthly AmortiIation

P$p $er month


Creditor

5ate 'ranted /mm1dd1yyyy0

,

Term

Amount 'ranted

P$p

Monthly AmortiIation

P$p $er month

V0
MY SUPPLEMENTARY
CARDHOLDERS! st
"FPP@%M%NTARL
CAR5 FREE FOR
LIFE

For S#pp"%m%ntar*
&ar)'4 app"!&ant' m#'t
1% at "%a't 56 *%ar'
o")0 S#pp"%m%ntar*
app"!&ant' ma* 1% an*
o+ t$% +o""o,!n7
R%"at!2%' o+
t$% pr!n&!pa"
app"!&ant
)%+!n%) a'
'po#'%4
&$!")r%n4
&$!")r%n8!n8
"a,4 par%nt'4
par%nt'8!n8"a,4
'!1"!n7' an)
'!1"!n7'8!n8"a,0
S#pp"%m%ntar*
app"!&ant m#'t
'#1m!t a
p$oto&op* or
'&ann%) &op*
o+ a 2a"!) ID0


0.00
0.00
0.00
0.00
0.00
@ast Name

)irst Name

Middle Name

Name to a$$ear on card
/must not e&ceed ,2 characters,
including s$aces0

Relationshi$

#irthdate /mm1dd1yyyy0

,

"e&



@ast Name

)irst Name

Middle Name

Name to a$$ear on card
/must not e&ceed ,2 characters,
including s$aces0

Relationshi$

#irthdate /mm1dd1yyyy0

,

"e&


VI0
MY PERSONAL
REFERENCES

Name
/@ast1)irst1Middle0

Residence1
%m$loyment Address

%m$loyer1
#usiness Name

%m$loyer1
#usiness Phone Nos.




DECLARATION
I certify that the information gi+en by me is true and correct and that any material
misre$resentation or falsity therein shall be construed as an act to defraud #PI )amily #an7
for (hich ci+il and1or criminal liability can be $ursued against me. I hereby authoriIe #PI
)amily #an7 to: /i0 in3uire about and in+estigate all the declared information from (hate+er
sources #PI )amily #an7 may consider a$$ro$riate> /ii0 use any contact details to
communicate to me for (hate+er $ur$ose> /iii0 disclose any information herein $ro+ided to
any $erson or entity. )or this $ur$ose, I agree to indemnify and hold #PI )amily #an7 free
and harmless from any and all claims, liabilities, damages, suits or causes of action of
(hate+er nature, no( or hereafter arising from or in connection (ith the foregoing
authoriIation. )urther, I agree that: /i0 the a$$lication from and the related documents

submitted to #PI )amily #an7 shall not be returned to me for (hate+er reason> /ii0 in case
of disa$$ro+al of my a$$lication, #PI )amily #an7 is under no obligation to $ro+ide me (ith
the reason for such decision> and /iii0 #PI )amily #an7 reser+es the right to restrict the use
of or to terminate1cancel the card (ithout need of $rior notice from #PI )amily #an7 if it is
later determined that the information certified by me is false. In the e+ent that my
a$$lication is a$$ro+ed, my use of the credit card shall be deemed my
acce$tance1agreement (ith the terms and conditions go+erning the issuance and the use of
the #PI )amily Credit Card as $rinted at the bac7 of the card carrier (hich I (ill recei+e
together (ith my credit card. I ac7no(ledge that the said terms and conditions may li7e(ise
be +ie(ed in the #PI Cards (ebsite. I acce$t liability for all charges to the $rinci$al card and
su$$lementary cards. Any alterations, amendments, e&ce$tions, reser+ations or scribblings
made by me herein, in the Terms and Conditions go+erning the Issuance and Fse of the #PI
)amily #an7 Credit Card, as (ell as in the $ro+isions contained in the "tatement of Account
/"OA0, e"OA, Installment Plan Contract, Charge "li$, other card documents, "uretyshi$
Agreement and1or such other related instruments or documents, not duly a$$ro+ed in
accordance (ith a$$ro$riate $rocedures of the #PI )amily #an7, shall not be +alid and
binding.

I ha+e read and understood com$letely the Terms and Conditions go+erning the
issuance and use of the #PI )amily #an7 Credit Card.
I also reconfirm my agreement to the 5eclaration stated abo+e.

P"%a'% ,a!t +or t$% app"!&at!on &on+!rmat!on pa7% to app%ar to &on+!rm
t$at *o#r app"!&at!on $a' 1%%n r%&%!2%)0


Truth in Lending Act





Important

B
A$$lication forms recei+ed (ithout re3uirements (ill not be $rocessed.

B
Lour home or business address must be (ithin a 267m. radius of a #PI or #PI
)amily #an7 branch or Pro+incial #usiness Center.



CHOOSE THE BPI EXPRESS CREDIT CARD THAT9S RIGHT FOR YOU:

@earn more about the features of the #PI %&$ress Credit Cards. Clic7 :ere



#PI Amore *isa

#PI #lue MasterCard

#PI 'old MasterCard

Petron!#PI
MasterCard


#PI "7yMiles
MasterCard


#PI %dge MasterCard




#PI e!Credit: The Internet "ho$$ing Card /A+ailable
u$on re3uest0




F!"" o#t t$% App"!&at!on Form to %n;o* R%a" T$r!""':

P"%a'% ta(% not% t$at man)ator* +!%")' ar% mar(%) ,!t$ an a't%r!'(-./0 P"%a'% +!"" o#t a'
man* +!%")' a' po''!1"% to !n&r%a'% &$an&%' o+ appro2a"0


I0 ABOUT ME

If you are an e&isting "7yMiles member, $lease $ro+ide your name as it a$$ears
on your "7yMiles card or e!statement


. @ast Name

. )irst Name

. Middle Name


Name to a$$ear on
card
/must not e&ceed
,2 characters,
including s$aces0


"7yMiles
Membershi$
Number
/If you are an
e&isting "7yMiles
member, $lease
$ro+ide your
"7yMiles
membershi$
number. If you are
not a "7yMiles
member, $lease
lea+e this blan7.0

.
Mother?s )ull
Maiden Name

.
#irthdate
/mm1dd1yyyy0

,


Place of #irth

. "e&

. Ci+il "tatus

. No. of 5e$endents


T.I.N. /Ta&
Identification
Number0

! ! !


""" or '"I"
Number

. Car O(nershi$


No. of cars o(ned

I& mortgaged

P$p $er month

. CitiIenshi$


Non!)ili$ino /$lease
s$ecify0

000
0.00
.
Preferred #illing
Address
/(here
corres$ondences
(ill be sent0


.
Residence Address
/street1road1a+enue
, subdi+ision
1+illage1com$ound0

.
Residence Address
/district1barangay0

.
Residence Address
/city0

.
Residence Address
/Ii$ code0


/Please fill out if not the same as :ome Address.0


Permanent Address
/street1road1a+enue
, subdi+ision
1+illage1com$ound0


Permanent Address
/district1barangay0


Permanent Address
/city0


Permanent Address
/Ii$ code0

. :ome O(nershi$

I& mortgaged
or rented

P$P $er month

. Lears of "tay

.
:ome Phone
Number

!


)a& Number

. Mobile Number


"end me "M"1MM"
$romo u$dates

. %mail Address


Mindly indicate if you?re related to a #PI 5irector, Officer, "toc7holder
and Related Interest /5O"RI0:

Name:


Relationshi$:




II0 ABOUT MY SPOUSE

@ast Name

)irst Name

Middle Name

"$ouse #irthdate
/mm1dd1yyyy0

,

%m$loyer1#usiness
Name

0.00
Position

Lears (1 Present
%m$loyer1#usiness

"$ouse
Office1#usiness
Address
/street1road1a+enue
, subdi+ision
1+illage1com$ound0

"$ouse
Office1#usiness
Address
/district1barangay0

"$ouse
Office1#usiness
Address
/city0

"$ouse
Office1#usiness
Address
/Ii$ code0

"$ouse
Office1#usiness
Phone Number

"$ouse T.I.N. /Ta&
Identification
Number0

! ! !

"$ouse 'ross
Annual Income

P$p




III0 ABOUT MY WOR3

%m$loyment Ty$e

.thers

Lears (1 Present
%m$loyer1#usiness

%m$loyer1#usiness
Name

Position

Nature of
#usiness1Industry

Office1#usiness
Address
/street1road1a+enue
,
subdi+ision1+illage1c
om$ound0

Office1#usiness
Address
/district1barangay0

Office1#usiness
Address
/city0

Office1#usiness
Address
/Ii$ code0

Office1#usiness
Phone Number

@ocal1%&t
Number

000
0.00
)a& Number

%mail Address

'ross Annual
Income

P$p

Pre+ious %m$loyer

Lears (1 Pre+ious
%m$loyer1#usiness





IV0
ABOUT MY
FINANCES/BAN3
RELATIONSHIP
MY OTHER CREDIT
CARDS /if any0
Credit Card Com$any

Card Number

Credit @imit

%&$iry 5ate
/mm1yyyy0
.

,.

2.

MY BPI/BPI FAMILY
BAN3 ACCOUNTS /if
any0

Account Number

5e$osit Ty$e

#ranch @ocation

.

,.

2.


MY OTHER CREDITORS
/if any0

Creditor

5ate 'ranted /mm1dd1yyyy0

,

Term

Amount 'ranted

P$p

Monthly AmortiIation

P$p $er month


Creditor

0.00
0.00
0.00
5ate 'ranted /mm1dd1yyyy0

,

Term

Amount 'ranted

P$p

Monthly AmortiIation

P$p $er month


Creditor

5ate 'ranted /mm1dd1yyyy0

,

Term

Amount 'ranted

P$p

Monthly AmortiIation

P$p $er month

V0
MY SUPPLEMENTARY
CARDHOLDERS! st
"FPP@%M%NTARL
CAR5 FREE FOR
LIFE

For S#pp"%m%ntar*
&ar)'4 app"!&ant' m#'t
1% at "%a't 56 *%ar'
o")0 S#pp"%m%ntar*
app"!&ant' ma* 1% an*
o+ t$% +o""o,!n7
R%"at!2%' o+
t$% pr!n&!pa"
app"!&ant
)%+!n%) a'
'po#'%4
&$!")r%n4
&$!")r%n8!n8
"a,4 par%nt'4
par%nt'8!n8"a,4
'!1"!n7' an)
'!1"!n7'8!n8"a,0
S#pp"%m%ntar*
app"!&ant m#'t
'#1m!t a
p$oto&op* or
'&ann%) &op*
o+ a 2a"!) ID0

If you are an e&isting
"7yMiles member, $lease
$ro+ide your name as it
a$$ears on your "7yMiles
card or e!statement.

0.00
0.00
0.00
0.00
@ast Name

)irst Name

Middle Name

Name to a$$ear on card
/must not e&ceed ,2 characters,
including s$aces0


If you are an e&isting
"7yMiles member, $lease
$ro+ide your "7yMiles
membershi$ number. If
you are not a "7yMiles
member, $lease lea+e this
blan7.

"7yMiles Membershi$ Number

Relationshi$

#irthdate /mm1dd1yyyy0

,

"e&


If you are an e&isting
"7yMiles member, $lease
$ro+ide your name as it
a$$ears on your "7yMiles
card or e!statement.

@ast Name

)irst Name

Middle Name

Name to a$$ear on card
/must not e&ceed ,2 characters,
including s$aces0


If you are an e&isting
"7yMiles member, $lease
$ro+ide your "7yMiles
membershi$ number. If
you are not a "7yMiles
member, $lease lea+e this
blan7.

"7yMiles Membershi$ Number

Relationshi$

#irthdate /mm1dd1yyyy0

,

"e&

VI0
MY PERSONAL
REFERENCES

Name
/@ast1)irst1Middle0

Residence1
%m$loyment Address

%m$loyer1
#usiness Name

%m$loyer1
#usiness Phone Nos.




DECLARATION
I certify that the information gi+en by me is true and correct and that any material
misre$resentation or falsity therein shall be construed as an act to defraud #PI for (hich
ci+il and1or criminal liability can be $ursued against me. I hereby authoriIe #PI to: /i0
in3uire about and in+estigate all the declared information from (hate+er sources #PI may
consider a$$ro$riate> /ii0 use any contact details to communicate to me for (hate+er
$ur$ose> /iii0 disclose any information herein $ro+ided to any $erson or entity. )or this
$ur$ose, I agree to indemnify and hold #PI free and harmless from any and all claims,
liabilities, damages, suits or causes of action of (hate+er nature, no( or hereafter arising
from or in connection (ith the foregoing authoriIation. )urther, I agree that: /i0 the
a$$lication form and the related documents submitted to #PI shall not be returned to me for
(hate+er reason> /ii0 in case of disa$$ro+al of my a$$lication, #PI is under no obligation to
$ro+ide me (ith the reason for such decision> and /iii0 #PI reser+es the right to restrict the
use of or to terminate1cancel the card (ithout need of $rior notice from #PI, if it is later
determined that the information certified by me is false. In the e+ent that my a$$lication is
a$$ro+ed, my use of the credit card shall be deemed my acce$tance1agreement (ith the
terms and conditions go+erning the issuance and the use of the #PI %&$ress Credit Card as
$rinted at the bac7 of the card carrier (hich I (ill recei+e together (ith my credit card. I
ac7no(ledge that the said terms and conditions may li7e(ise be +ie(ed in the #PI Cards
(ebsite. I acce$t liability for all charges to the $rinci$al card and su$$lementary cards. Any
alterations, amendments, e&ce$tions, reser+ations or scribblings made by me herein, in the
#PI %&$ress Credit Card terms and conditions, as (ell as in the $ro+isions contained in the
"tatement of Account /"OA0, Installment Plan contract, Charge "li$, other card documents,
"uretyshi$ Agreement and1or such other related instruments or documents, not a$$ro+ed in
accordance (ith #PI?s a$$ro$riate $rocedures, shall not be +alid and binding.


I ha+e read and understood com$letely the Terms and Conditions go+erning the
issuance and use of #PI %&$ress Credit Cards. I also reconfirm my agreement to the
5eclaration stated abo+e.

P"%a'% ,a!t +or t$% app"!&at!on &on+!rmat!on pa7% to app%ar to &on+!rm
t$at *o#r app"!&at!on $a' 1%%n r%&%!2%)0

.requent*y !sked /uestions
About BPI Direct Savings Bank

1. Who is BPI Direct Savings Bank?
BPI Direct Savings Bank is a wholly-owned subsidiary o Bank o the Phili!!ine Islands. It was established in "###
as a testa$ent to the $other bank%s co$$it$ent to deliver the highest standard o banking convenience through
the ingenuity o technology and creative $anage$ent.
It o!erates in a branchless and generally !a!erless environ$ent& with no deined geogra!hical boundaries& reaching
to custo$ers anywhere in the Phili!!ines or even around the globe& "'().

". Does BPI Direct have branches?
Being a virtual bank& BPI Direct does not have any brick and $ortar branch. *e o!erate online and over the
!hone. +owever& we are also su!!orted by the branches o BPI. Like when you o!ened your BPI Direct account&
you were re,uested to no$inate your Branch o convenience. This is the branch where you will !resent your
identiication !a!ers& sign your account o!ening docu$ents and !ick-u! your BPI Direct -.!ress Teller AT/ 0ard.
This branch will also service your over-the-counter transactions like de!osits and withdrawals when a$ounts
e.ceed the AT/ withdrawal li$its.


Oening an account !it" BPI Direct

1. What are the acceptable IDs required in opening a deposit account?
In o!ening a new account& !lease !resent any one 112 o the ollowing IDs3
Pass!ort 1including those issued by 4oreign 5overn$ents2
Driver%s License
Social Security Syste$s 1SSS2 ID
Proessional 6egulations 0o$$ission 1P602 ID
5overn$ent Service and Insurance 15SIS2 e-0ard
7verseas *orkers *elare Ad$inistration 17**A2 ID
74* ID
Sea$an8s book
Alien 0ertiication o 6egistration ( I$$igrant 0ertiicate o 6egistration
5overn$ent 7ice and 5700 ID 1e.g. Ar$ed 4orces o the Phili!!ines 1A4P2& +o$e Develo!$ent
/utual 4und 1+D/42 IDs
Integrated Bar o the Phili!!ines 1IBP2 ID
0o$!any IDs issued by !rivate entities or institutions registered with or su!ervised or regulated either by
the BSP& S-0 or Insurance 0o$$ission
IDs issued by an oicial oreign authority 1e.g. oreign !ass!ort& oreign driver8s license& etc2
4or Students3 School ID duly signed by the !rinci!al or head o school
4or 9on-Phili!!ine 6esidents3 Si$ilar ID issued by the oreign govern$ent 1e.g. oreign !ass!ort& oreign
driver8s license2 where the custo$er is a resident or a citi:en.

The I.D. should be3
1. in original co!y
". !hoto-bearing
;. une.!ired
'. issued by an 7icial Authority 1e.g. Local or 4oreign Authority that is duly authori:ed to issue the
s!eciied ID ty!e2


Banking !it" BPI Direct

1. How do I access and maintain my account i you don!t have branches?
BPI Direct oers you "'() banking that will allow you to access your unds conveniently& anyti$e& anywhere3
ATM. <ou can access your unds through BPI -.!ress Teller& -.!ressnet& Bancnet and /egalink AT/s
nationwide or through 0irrus AT/s worldwide.
P"one Banking. 0all -.!ress Phone =>-1##
Internet Banking. Log on to www.b!ie.!ressonline.co$. <ou can also download your electronic
state$ents ro$ ? $onths back through this channel.
Mobi#e Banking. Bank through your cell!hone with -.!ress /obile
Cas" Accet Mac"ine. De!osit cash through our -.!ress De!osit $achines and it will be credited to
your account real-ti$e.

". How can I do my banking transactions through the telephone?

1. <ou can use the !hone to do banking transactions through BPI -.!ress Phone. To activate and enroll your
account in BPI -.!ress Phone& !lease ollow these ste!s.
". 0all =>-1##
;. Dial 1 or -.!ress Teller
'. @ey in your 11-digit access nu$ber 1this is the last ten digits o your AT/ card nu$ber and the irst digit o
your Aoint Account Indicator. To locate your Aoint Account Indicator nu$ber& !lease click here 2
B. @ey in your uni,ue te$!orary Tele!hone ID 9o 1TI92 indicated in the AT/ card carrier
?. 9o$inate your !reerred TI9
<ou can i$$ediately access your account u!on TI9 no$ination.

;. How can I do banking transactions through the internet?

<ou can enroll in BPI -.!ress 7nline& our internet banking acility. Aust ollow the ste!s3
1. Log-on to www.b!ie.!ressonline.co$.
". 0hoose -967LL
;. Activate enroll$ent through any BPI AT/
'. 5o to S!ecial Services C Activate -nroll$ent C BPI -.!ress 7nline
Ater "' hours ro$ activating your enroll$ent& you can already access your account online.


Pro$uct %eatures

1. Does my BPI Direct account earn interest?
<es. All accounts oered by BPI Direct& whether it8s Savings or 0hecking& earn interest. In act& the interest rates
that BPI Direct oers are higher than the regular savings and checking accounts oered by other banks. To check
the interest rate you currently get ro$ your account& !lease click here.

". What is my daily "#$ withdrawal limit?
<our daily AT/ withdrawal li$it is Ph! B#&###.

;. %an I also use my BPI Direct "#$ card or cashless shopping?
<es. <ou can sho! without touching the !esos in your !ocket. <ou can si$!ly !ay using BPI Direct AT/ card in
over 1#&### accredited $erchants nationwide. 9o e.tra charge.


Account Maintenance

1. How oten will I receive a statement or my account?
4or BPI Direct checking accounts& you will receive a $onthly state$ent including scanned co!ies o your negotiated
checks.
4or BPI Direct savings accounts& no !rinted state$ents will be $ailed to you but you can in,uire about your
transaction history through the ollowing channels3
E&ress P"one '()*++ 3 In,uire your last credit and debit transactions.
E&ress On#ine 3 Diew your transaction details u! to ?# days back. <ou can also download or
electronic state$ents u! to ? $onths back.

". I lost my BPI Direct "#$ card& How can I request or the blocking o my "#$ card? How can I request or replacement?
<ou $ay call =>-1##. The !honebanker will i$$ediately block the AT/ card and will !rocess re,uest or
re!lace$ent. The !honebanker will inor$ you as to when you will !ick u! the new AT/ card at your servicing
branch. A corres!onding card re!lace$ent ee will a!!ly.

;. $y BPI Direct "#$ card was damaged? How can I request or replacement?
<ou $ay call =>-1## to re,uest or re!lace$ent or e$ail bpidirectCbpi.com.ph. A corres!onding card
re!lace$ent ee will a!!ly.

.requent*y !sked /uestions
About BPI Direct Savings Bank

1. Who is BPI Direct Savings Bank?
BPI Direct Savings Bank is a wholly-owned subsidiary o Bank o the Phili!!ine Islands. It was established in "###
as a testa$ent to the $other bank%s co$$it$ent to deliver the highest standard o banking convenience through
the ingenuity o technology and creative $anage$ent.
It o!erates in a branchless and generally !a!erless environ$ent& with no deined geogra!hical boundaries& reaching
to custo$ers anywhere in the Phili!!ines or even around the globe& "'().

". Does BPI Direct have branches?
Being a virtual bank& BPI Direct does not have any brick and $ortar branch. *e o!erate online and over the
!hone. +owever& we are also su!!orted by the branches o BPI. Like when you o!ened your BPI Direct account&
you were re,uested to no$inate your Branch o convenience. This is the branch where you will !resent your
identiication !a!ers& sign your account o!ening docu$ents and !ick-u! your BPI Direct -.!ress Teller AT/ 0ard.
This branch will also service your over-the-counter transactions like de!osits and withdrawals when a$ounts
e.ceed the AT/ withdrawal li$its.


Oening an account !it" BPI Direct

1. What are the acceptable IDs required in opening a deposit account?
In o!ening a new account& !lease !resent any one 112 o the ollowing IDs3
Pass!ort 1including those issued by 4oreign 5overn$ents2
Driver%s License
Social Security Syste$s 1SSS2 ID
Proessional 6egulations 0o$$ission 1P602 ID
5overn$ent Service and Insurance 15SIS2 e-0ard
7verseas *orkers *elare Ad$inistration 17**A2 ID
74* ID
Sea$an8s book
Alien 0ertiication o 6egistration ( I$$igrant 0ertiicate o 6egistration
5overn$ent 7ice and 5700 ID 1e.g. Ar$ed 4orces o the Phili!!ines 1A4P2& +o$e Develo!$ent
/utual 4und 1+D/42 IDs
Integrated Bar o the Phili!!ines 1IBP2 ID
0o$!any IDs issued by !rivate entities or institutions registered with or su!ervised or regulated either by
the BSP& S-0 or Insurance 0o$$ission
IDs issued by an oicial oreign authority 1e.g. oreign !ass!ort& oreign driver8s license& etc2
4or Students3 School ID duly signed by the !rinci!al or head o school
4or 9on-Phili!!ine 6esidents3 Si$ilar ID issued by the oreign govern$ent 1e.g. oreign !ass!ort& oreign
driver8s license2 where the custo$er is a resident or a citi:en.

The I.D. should be3
1. in original co!y
". !hoto-bearing
;. une.!ired
'. issued by an 7icial Authority 1e.g. Local or 4oreign Authority that is duly authori:ed to issue the
s!eciied ID ty!e2


Banking !it" BPI Direct

1. How do I access and maintain my account i you don!t have branches?
BPI Direct oers you "'() banking that will allow you to access your unds conveniently& anyti$e& anywhere3
ATM. <ou can access your unds through BPI -.!ress Teller& -.!ressnet& Bancnet and /egalink AT/s
nationwide or through 0irrus AT/s worldwide.
P"one Banking. 0all -.!ress Phone =>-1##
Internet Banking. Log on to www.b!ie.!ressonline.co$. <ou can also download your electronic
state$ents ro$ ? $onths back through this channel.
Mobi#e Banking. Bank through your cell!hone with -.!ress /obile
Cas" Accet Mac"ine. De!osit cash through our -.!ress De!osit $achines and it will be credited to
your account real-ti$e.

". How can I do my banking transactions through the telephone?

1. <ou can use the !hone to do banking transactions through BPI -.!ress Phone. To activate and enroll your
account in BPI -.!ress Phone& !lease ollow these ste!s.
". 0all =>-1##
;. Dial 1 or -.!ress Teller
'. @ey in your 11-digit access nu$ber 1this is the last ten digits o your AT/ card nu$ber and the irst digit o
your Aoint Account Indicator. To locate your Aoint Account Indicator nu$ber& !lease click here 2
B. @ey in your uni,ue te$!orary Tele!hone ID 9o 1TI92 indicated in the AT/ card carrier
?. 9o$inate your !reerred TI9
<ou can i$$ediately access your account u!on TI9 no$ination.

;. How can I do banking transactions through the internet?

<ou can enroll in BPI -.!ress 7nline& our internet banking acility. Aust ollow the ste!s3
1. Log-on to www.b!ie.!ressonline.co$.
". 0hoose -967LL
;. Activate enroll$ent through any BPI AT/
'. 5o to S!ecial Services C Activate -nroll$ent C BPI -.!ress 7nline
Ater "' hours ro$ activating your enroll$ent& you can already access your account online.


Pro$uct %eatures

1. Does my BPI Direct account earn interest?
<es. All accounts oered by BPI Direct& whether it8s Savings or 0hecking& earn interest. In act& the interest rates
that BPI Direct oers are higher than the regular savings and checking accounts oered by other banks. To check
the interest rate you currently get ro$ your account& !lease click here.

". What is my daily "#$ withdrawal limit?
<our daily AT/ withdrawal li$it is Ph! B#&###.

;. %an I also use my BPI Direct "#$ card or cashless shopping?
<es. <ou can sho! without touching the !esos in your !ocket. <ou can si$!ly !ay using BPI Direct AT/ card in
over 1#&### accredited $erchants nationwide. 9o e.tra charge.


Account Maintenance

1. How oten will I receive a statement or my account?
4or BPI Direct checking accounts& you will receive a $onthly state$ent including scanned co!ies o your negotiated
checks.
4or BPI Direct savings accounts& no !rinted state$ents will be $ailed to you but you can in,uire about your
transaction history through the ollowing channels3
E&ress P"one '()*++ 3 In,uire your last credit and debit transactions.
E&ress On#ine 3 Diew your transaction details u! to ?# days back. <ou can also download or
electronic state$ents u! to ? $onths back.

". I lost my BPI Direct "#$ card& How can I request or the blocking o my "#$ card? How can I request or replacement?
<ou $ay call =>-1##. The !honebanker will i$$ediately block the AT/ card and will !rocess re,uest or
re!lace$ent. The !honebanker will inor$ you as to when you will !ick u! the new AT/ card at your servicing
branch. A corres!onding card re!lace$ent ee will a!!ly.

;. $y BPI Direct "#$ card was damaged? How can I request or replacement?
<ou $ay call =>-1## to re,uest or re!lace$ent or e$ail bpidirectCbpi.com.ph. A corres!onding card
re!lace$ent ee will a!!ly.

https://www.mybpimag.com/ccterms.html
BPI E,PRESS CREDIT-S TERMS AND CONDITIONS


1. 0H% #$I %1$2% C2%3I0 C!23 45C!2367 D The /"7& is the sole property of the 'an- of the
Philippine slands %'P(. t is non2transferable. The pri$ileges of the /"7& may be terminated by 'P
at any time and for whate$er reason or cause without need of prior notice to /ardholder and the
/ardholder agrees to surrender his/her /"7& upon demand to any authori!ed 'P representati$e. The
/ardholder agrees to hold 'P free and harmless from any claim for damages arising from such
termination. /ontinued use of the /"7& after receipt of the written notice of termination shall be
deemed fraudulent and will sub@ect the /ardholder to appropriate legal proceedings. &eli$ery of the said
written notice at the /ardholderEs latest reported mailing address shall be considered sufficient receipt
of the notice of termination.

The term F/ardholderF shall refer to the person to whom or for whose use a /"7& is issued by 'P. t
shall li-ewise include the person to whom a supplementary credit card is issued upon the application of
the /ardholder.

2. 2%$8'I#I9I0: 8. 0H% C!23H893%2 D The /ardholder and his/her supplementary and/or
surety%ies( shall be @ointly and se$erally liable for all purchases and cash ad$ances made through the use
of the /"7&+ including all interests+ penalties+ fees and all other charges without the necessity of proof
of signed charge slips. f the /ardholder uses the cash ad$ance features at any 'P "utomated Teller
)achine %"T)( and/or authori!ed networ-+ he/she hereby agrees to accept and pay for all cash
ad$ances including the corresponding interests+ penalties+ fees and other charges without the necessity
of proof or "T) withdrawal/transaction record. The /ardholder agrees that all purchases and cash
ad$ances shall be conclusi$ely presumed to ha$e been personally made or authori!ed by the /ardholder.

3. %1$I2:; 2%'%W!9 !'3 2%I'0!0%<%'0 8. 0H% C!23 D Gnless earlier terminated by
'P+ $oluntarily cancelled or returned by the /ardholder+ the /"7& shall be $alid from the day of
issuance or renewal and e#pires on the last day of the month indicated on the face of the /"7&.
7enewal of the /"7& shall be at the option of 'P. 'P shall li-ewise ha$e the option of reinstating
/ardholderEs pri$ileges which ha$e been terminated for any reason whatsoe$er upon payment of an
additional processing fee equi$alent to the annual fee.

4. !CC2%3I0%3 %0!#9IH<%'0 D 'P has contracted with establishments to honor the /"7&
for purchases of food+ goods+ merchandise and ser$ices. .i-ewise+ 'P has entered into an agreement
with )aster/ard where the /"7& issued bearing the )aster/ard label shall be honored at all
)aster/ard accredited establishments worldwide. Howe$er+ 'P shall not be responsible/liable to the
/ardholder+ if+ for any reason%s(+ the /"7& is not honored by the accredited establishments or
)aster/ard. The /ardholder agrees to hold 'P+ its directors+ officers+ employees and representati$es
free and harmless from any and all claims for damages resulting from the failure of any accredited
establishment or )aster/ard to honor the /"7&. /ardholderIs liability to 'P is absolute. The
e#istence of any claim or dispute between /ardholder and any accredited establishment shall not affect
/ardholderEs obligation to pay the purchases+ a$ailments and cash ad$ances together with all interests+
penalties+ fees and other charges incurred thereon+ if any+ arising from the /ardholderEs use of the
/"7& %the JTotal =utstanding 'alanceK or JT='K(. n cases of return of goods+ tic-ets and ser$ices
obtained through the use of the /"7& where the merchant permits such return+ the /ardholder agrees
that %i( the refund shall not be in cashL and %ii( 'P shall credit the /ardholderEs account for the refund.

". 98 8. 0H% C!23 D n case of loss or theft of the /"7&+ /ardholder should immediately report
such fact to 'P by calling 'P 8#press Phone at 9;20::+ or domestic toll free at 029::209929;0::+ or if
abroad+ by calling 16329;20:::: or its toll free numbers in selected countries listed in 'P 8#press
=nline %8=.(+ gi$ing details of the place+ date+ time and circumstances of the incident and the last
purchase%s( made prior to the loss or theft of the /"7&. "$ailments/transactions made and all interests+
penalties+ fees and other charges incurred arising from the use of the lost/stolen /"7& shall be for the
e#clusi$e account of the /ardholder. "fter 'P is notified of such loss or theft+ the /ardholder shall
ha$e no financial liability for purchases+ a$ailments and cash ad$ances+ including interests+ penalties+
fees or other charges which were not made or incurred by the /ardholder himself or without the
/ardholderEs -nowledge. Should the /ardholder fail to report immediately the loss or theft of the
/"7& to 'P from the date of loss or theft+ and to state the required information as to place+ date and
last purchase+ a$ailments and cash ad$ances made+ said failure shall be deemed proof that the
/ardholder fraudulently made use of the /"7&+ and 'P or its member establishments shall be free and
harmless from any and all claims for damages. " reasonable fee shall be charged by 'P for
replacement of the lost or stolen /"7&.

(. C2%3I0 9I<I0 D Gpon acceptance of /ardholderEs application+ 'P+ at its sole discretion+ shall grant
a credit limit to the /ardholder e#pressed in local currency %Philippine Pesos( which is the ma#imum
amount a$ailable for use. The total credit limit+ which can be used for regular purchases and Special
nstallment Plan %S..P.(+ represents the ma#imum outstanding balance that a /ardholder and his/her
supplementary cardholders are allowed to share at any gi$en time sub@ect to the security requirements
and credit card management requisites which may be reasonably imposed by 'P from time to time %the
J/redit .imitK(. n no e$ent shall the /ardholder and his/her supplementary e#ceed the /redit .imit.
'P reser$es the right+ at its sole and absolute discretion+ to decline any such transaction%s(+ suspend
and/or terminate the credit card pri$ileges of the /ardholder and his/her supplementary without prior
notice in case the said /redit .imit shall be e#ceeded. n such an e$ent+ the /ardholder agrees to pay in
full the T='+ which shall immediately become due and payable+ without the necessity of notice and
demand+ all of which are wai$ed by the /ardholder and his/her supplementary. The /redit .imit is made
a$ailable to the /ardholder on the business day following any payment while that of the supplementary
cardholder shall become a$ailable only after the ne#t cycle date.
+. .%% !'3 CH!2=%

a. !''>!9 .%% D The /ardholder shall pay to 'P an annual membership fee+ in such amounts as
may be fi#ed by 'P+ to entitle him/her to the pri$ileges of membership and the use of the /"7&.
Gpon suspension or cancellation of the /"7& pri$ileges+ all fees paid become non2reimbursable.

,. .I'!'C% CH!2=% D <inance charge on regular purchases is computed by multiplying the
applicable finance charge rate depending on the card type with the a$erage daily balance %"&'(. The
applicable finance charge rates are sub@ect to change by 'P from time to time with notice to the
/ardholder.

The "&' is determined as follows:
0.( )ultiply the pre$ious statement balance with the number of days that the amount is outstanding or
unchanged.
3.( *hen a payment is made+ deduct the amount from the statement balance and multiply with the
number of days from the payment date until the ne#t payment date or statement date.
6.( Sum up the balances computed and di$ide by the number of days from the pre$ious to the current
statement to arri$e at the "&'.

<inance charge on Special nstallment Plan %S..P.( is computed by multiplying the total amount a$ailed
by the applicable interest rate+ depending on the term. )onthly payment shall first be applied to interest
then to the principal using the diminishing balance method.

c. $!:<%'0 8. CH!2=% D " monthly Statement of "ccount %S="( will be sent by mail or
courier to the /ardholderEs latest mailing address. "t 'PEs option+ the S=" may also be sent $ia
posting in the 'PEs website through 'P 8=. or such other means of deli$ery which 'P considers
appropriate and effecti$e. n lieu of paper S="s+ /ardholder may choose to enroll his/her /"7&
account in 8=. and $iew the eS="s electronically through this facility %the FeS="K(. 'y subscribing to
the eS="+ the /ardholder agrees to $iew the monthly eS=" three %6( to fi$e %5( ban-ing days after
statement cut2off date without need of prior notice from 'P. t is understood and agreed that when the
eS=" is made a$ailable for $iewing+ it shall be conclusi$ely deemed recei$ed by the /ardholder.

/ardholder agrees to pay the T=' or the J)inimum Payment 7equiredK as stated in the S=" on or
before the last day for payment indicated in the said S=" %the FPayment &ue &ateF(. Such Payment
&ue &ate may be changed to an earlier date if the /ardholderIs account is considered o$erdue and/or
with balances in e#cess of the /redit .imit+ or to such other date as may be deemed proper by 'P with
notice to the /ardholder on the same monthly S=". f the Payment &ue &ate falls on a Saturday+
Sunday or Holiday+ the payment shall be due on the immediately preceding business day prior to the
Payment &ue &ate. Howe$er+ notwithstanding the absence or lac- of proof of ser$ice of the S=" upon
the /ardholder or failure by the /ardholder to $iew the eS=" after statement cut2off date+ the latter
agrees to pay any and all purchases+ a$ailments and cash ad$ances made through the /"7& within
thirty %6:( calendar days from date%s( thereof. <ailure of the /ardholder to pay the T=' or the
J)inimum Payment 7equiredK on the rele$ant Payment &ue &ate stated in the S=" or within thirty
%6:( calendar days from actual date%s( of purchases+ a$ailments and/or cash ad$ances+ whiche$er occurs
earlier and/or any other obligation+ %including interests+ charges+ ta#es+ such as but not limited to Malue
"dded Ta# %M"T( and other disbursements allowed by law( which the /ardholder may now or hereafter
owe to 'P or to any member of the 'P 5roup of /ompanies %'5/( or to any of their subsidiaries and
affiliates such as but not limited to 'P <amily 'an- %'P<'(+ 'P /apital /orp.+ 'P .easing /orp.+
'P Securities /orp.+ and 'P &irect+ whether singly or @ointly with another+ or as principal or as
surety/guarantor+ shall render /ardholder in default without necessity of demand from 'P+ which the
/ardholder e#pressly wai$es.

The T=' remaining unpaid after the Payment &ue &ate indicated on the monthly S=" shall bear
finance charges and additional interest and penalty fees based on the amount due for e$ery month or a
fraction of a monthEs delay.

The rate of interest and/or penalty rate stipulated may be increased+ decreased or otherwise changed
from time to time by 'P in the e$ent of+ among others+ changes in the interest rates prescribed by the
'ang-o Sentral ng Pilipinas %'SP( or in the international capital mar-ets+ in the rediscount rate of
member ban-s with the 'SP+ in the interest rates on sa$ings or time deposits or on ban-Es borrowings+ or
there is a sudden change in the mar-et rates for whate$er reasonsL or any law+ circular+ rule or regulation
is enacted/issued or any circumstances has occurred which has the effect of increasing or decreasing
'PEs/ban-Es costs of funds+ operating costs or intermediation costs+ such as but not limited to reser$e
requirements+ ta#es+ salaries or charges. The /ardholder authori!es 'P to increase or charge additional
ser$ice fees as may be deemed necessary to maintain the ser$ice to the /ardholder. The upward or
downward ad@ustment of the interest+ penalty rate and/or ser$ice fees shall be binding on the /ardholder
on the date/s of effecti$ity as indicated in the written notice %in the monthly S=" or thru a separate
notice( from 'P. "ny /"7& with T=' or such amounts due and payable thereunder that are unpaid
after thirty %6:( calendar days from original billing statement date shall automatically be suspended+ and
those with accounts unpaid after ninety %;:( calendar days from original billing statement date shall
automatically be cancelled+ without pre@udice to 'PEs right to suspend or cancel the /"7& any time
and for whate$er reason. n case of default in his/her obligation as pro$ided herein+ /ardholder shall
surrender his/her /"7& to 'P and shall+ in addition to the interest and penalty charges
aforementioned+ pay the =ther /harges specified in the immediately succeeding paragraph below+
without pre@udice+ howe$er+ to 'PEs right of considering /ardholderEs obligation unpaid %costs for
demanding payment or ad$ising cancellation of membership shall also be for the /ardholderEs account(.

80H%2 CH!2=%
n case of default in his/her obligation as pro$ided herein+ /ardholder agrees to pay 'P %a( attorneyEs
fees of twenty fi$e percent %35%( of the amount due if the account is referred to a lawyer or to a
collection agency+ %b( a ser$ice fee for e$ery dishonored chec- issued by the /ardholder in payment of
his/her account+ and %c( litigation e#penses and @udicial costs+ if the payment of the account is enforced
through court action.

?%'>% 8. !C0I8'
Menue of all suits directly or indirectly arising from the relationship between the parties herein+ shall be
in the proper courts of the /ity of )a-ati or in other courts at the option of 'P.

=$erpayments by /ardholder shall not earn interest and shall be applied to pay the succeeding T=' or
J)inimum Payment 7equiredK. n case of terminated or cancelled /"7& accounts and an o$erpayment
is unclaimed for more than one %0( month from the date of termination or cancellation+ a monthly
"ccount )aintenance <ee of Php5:.:: or an amount equi$alent to the o$erpayment whiche$er is
lower+ shall be charged on the account until the /"7& balance is !eroed out.

"ll other terms and conditions stated in the S=" and eS=" shall form an integral part of these Terms
and /onditions by way of reference.

d. C!H !3?!'C% .%% D /ash "d$ance a$ailments are sub@ect to a cash ad$ance fee. t can be
a$ailed at any 'P/'P <amily Sa$ings 'an- "T)Es nationwide and through the /irrus networ-
worldwide. To a$ail of this facility+ /ardholder must first nominate a Personal dentification >umber
%P..>.( at any selected 'P 8#press 'an-ing /enter. /ash "d$ance shall be earmar-ed against the
/ardholderEs /redit .imit and is not an additional line of credit.

e. I>%2@ %2?IC% .%% 8' .82%I=' C>22%'C: 02!'!C0I8' D "ll charges
including those incurred abroad through the use of the /"7& shall be billed and be payable in
Philippine currency+ sub@ect to :.75% fee on top of )aster/ardEs foreign e#change rate on the date the
transaction is posted.

f. 80H%2 .%% D /harge slip retrie$al fee+ card replacement fees+ chec- protect fee+ Special
nstallment Plan %S..P.(+ pre2termination fees and other fees are charged to the /ardholderEs account+
when applicable. "s necessary+ the fees may be re$ised from time to time.

-. %2282 82 />%0I8' !#8>0 :8>2 #I99A8! D 'P shall be notified immediately through
'P 8#press Phone at 9;20::+ or domestic toll free at 029::209929;0::+ or if abroad+ by calling 1632
9;0:::: or its toll free numbers in selected countries listed in 'P 8=.+ and in writing of any billing
error in the S=". f no error is reported within twenty %3:( calendar days from statement date indicated
in the S="+ the S=" shall be considered correct and binding upon the /ardholder and his/her
supplementary. The /ardholder and his/her supplementary shall then recogni!e and admit the integrity
of the S=" as an electronic document pursuant to the pro$isions of the 8lectronic /ommerce "ct and
agree to pay the amount thereon on Payment &ue &ate without need for presentation of the signed
charge slips.

B. 3%$8I0A$9!C%<%'0 !CC8>'0 D Gnless otherwise agreed+ the /ardholder agrees to maintain a
current or sa$ings deposit/placement account%s( with 'P or 'P<' or any of their subsidiaries or
affiliates %collecti$ely+ the J'an-K(. Should the /ardholder fail to pay his/her T=' or any amounts due
and payable under the /"7& on the Payment &ue &ate+ the amount thereof shall be debited from
his/her deposit/placement account%s(+ without the necessity of a notice from 'P+ or such amount as may
be sufficient to be applied as payment of his/her T=' or any amounts due upon presentation of his/her
S=" to said 'an- by 'P. t is agreed that this "greement shall ser$e as a written authority for the
'an- to debit+ without notice+ such T=' or any amounts due from /ardholderEs deposit account%s( for
the purpose aforementioned. 'P and the 'an-+ their directors+ officers+ employees and representati$es
shall not be held accountable for any liabilities+ charges+ costs and e#penses arising from any resulting
returned/dishonored chec- drawn against /ardholderEs deposit/placement/account with the 'an- or for
any penalties and fees that may be imposed as a consequence of the foregoing. Should his/her T=' or
any amounts due under the /"7& e#ceed the amount debited from /ardholderEs deposit/account with
the 'an-+ such e#cess shall immediately become due and payable and the /ardholder shall be
considered in default of his/her obligations to pay the same.

1C. 2I=H0 8. %0 8.. D 8ffecti$e upon his/her failure to pay his/her obligation arising from the use of
the /"7&+ the /ardholder and/or his/her supplementary does hereby assign and transfer to 'P+ without
need of demand+ and by these presents ha$e assigned and transferred to 'P+ any monies+ securities+
properties %real or personal( and things of $alue which are now or may hereafter be in the possession+
custody or control of 'P or any member of the 'P 5roup of /ompanies %'5/( or any of their
subsidiaries or affiliates+ on deposit or collateral or otherwise to the credit of and belonging to the
/ardholder and/or his/her supplementary. <or this purpose+ the /ardholder and/or his/her supplementary
do hereby consent+ authori!e+ appoint and irre$ocably constitute+ and by these presents ha$e appointed
and constituted 'P or any member of the 'P 5roup of /ompanies %'5/(+ or any of its subsidiaries or
affiliates+ as "TT=7>8,2>2<"/T with full power and authority to inquire about+ to assert their lien or
legal claim on such monies+ securities+ properties %real or personal( and things of $alue which are now
or may hereafter be in the possession+ custody or control of 'P or any member of the 'P 5roup of
/ompanies %'5/( + or any of its subsidiaries or affiliates+ to sell at public or pri$ate sale and to apply
the same+ in whole or in part+ to such obligations. n the absence of such monies+ securities+ properties
%real or personal( or things of $alue or if the /ardholderEs T=' e#ceeds the proceeds of the sale+ the
/ardholder and/or his/her supplementary hereby agree to assign and deli$er any deposit or funds the
/ardholder and/or his/her supplementary may ha$e with any other ban- or financial institution to the
e#tent of said /ardholderEs and/or his/her supplementaryEs obligations to 'P. <or this purpose+ the
/ardholder and/or his/her supplementary do hereby consent and authori!e said ban- or financial
institution to disclose to 'P or its duly authori!ed representati$e regarding any information relati$e to
any deposit/placement the /ardholder and/or his/her supplementary may ha$e with any such ban- or
financial institution.

11. >$$9%<%'0!2: C!23 D The /ardholder may apply for supplementary /"7&%s( which 'P
may appro$e on a case to case basis. The use of the /"7&+ as well as the supplementary /"7&%s(+
shall be go$erned by this "greement and secured by the Suretyship underta-ing hereto. "ny reference to
the /"7& issued to /ardholder shall also apply to supplementary /"7&%s( and/or their renewals.
Should supplementary /"7&%s( be issued to the /ardholderEs appointed supplementary+ the /ardholder
or the supplementary shall be responsible for all the T='+ if any+ made or incurred through the /"7&
and the supplementary /"7&%s(. n the e$ent of separation of spouses+ legal or otherwise+ the
/ardholder shall continue to be responsible for all such amounts incurred through the use of the
supplementary /"7&%s( unless /ardholder requests in writing that the pri$ileges of such
supplementary under this "greement be terminated+ pro$ided all the T=' incurred shall ha$e been fully
paid and satisfied at the time of said request. n case of death of the /ardholder+ the supplementary
cardholder%s( shall be @ointly and se$erally liable to settle the T=' incurred.

12. 3%9I'/>%'C: D The /ardholder is liable for all charges+ fees and other obligations incurred
through the use of the /"7& and all supplementary /"7&%s( and in the e$ent of any future
delinquency+ the /ardholder authori!es 'P to report and/or include the names of the /ardholder as well
as the supplementary in negati$e listings of any credit information bureau or institution.

13. 89I3!2: 9I!#I9I0: D The /ardholderEs spouse shall be @ointly and se$erally liable for all the
a$ailments+ ad$ances and charges made by the /ardholder using the /"7&.

14. >2%0: D The /ardholderEs spouse who is a supplementary cardholder shall automatically become a
surety who shall be @ointly and se$erally liable with the /ardholder herein and in all renewals hereof.
>otwithstanding the foregoing and at 'PEs request+ the /ardholder shall furnish surety%ies( acceptable
to 'P who shall be @ointly and se$erally liable with the /ardholder and/or the /ardholderEs
supplementary to pay 'P all the obligations and charges herein and in all renewals hereof+ incurred
through the /"7& and the supplementary /"7&%s(. n the e$ent the surety%ies( furnished by the
/ardholder are discharged+ if required+ the /ardholder must furnish new surety%ies( acceptable to 'P
within thirty %6:( calendar days from discharge. <ailure to do so shall constitute prima facie e$idence of
intent to defraud on the part of /ardholder and the /ardholderEs pri$ileges shall be automatically
terminated. t is agreed that the surety%ies( can be discharged by 'P only when all T=' ha$e been fully
paid.

1". 0%2<I'!0I8' #: #$I D n the e$ent the /ardholder %i( fails to comply with any of the terms and
conditions go$erning the use of the /"7&+ or %ii( fails to obser$e any of the terms and conditions of
any loan document or agreement which the /ardholder e#ecuted in connection with any loan and/or
credit facilities granted by 'P or any member of the 'P 5roup of /ompanies %'5/( or any of its
subsidiaries or affiliates+ or %iii( in case the /redit .imit shall be e#ceeded+ or %i$( for any reason+ the
/ardholder fails to renew the /"7&+ or %$( the /"7& is not renewed by 'P+ or %$i( /ardholder dies or
is separated from employment+ or %$ii( in the e$ent of /ardholderEs ban-ruptcy+ insol$ency+
recei$ership+ le$y on e#ecution+ garnishment or attachment+ or %$iii( in case of con$iction for a criminal
offense with final @udgment carrying with it the penalty of ci$il interdiction+ or %i#( in any of the cases
co$ered by "rticle 00;9 of the >ew /i$il /ode %howe$er e$idenced(+ or %#( in case the /ardholder is
charged with+ con$icted of or under in$estigation by competent go$ernment authority for $iolation of
7epublic "ct 9494 otherwise -nown as the F"ccess &e$ices 7egulation "ct of 0;;9F+ the right to use
the /"7& as well as supplementary /"7&%s( shall forthwith terminate and the aggregate unpaid T='
of the /ardholder and his/her supplementary for which /ardholder is liable shall immediately become
due and demandable+ without the necessity of demand+ which /ardholder wai$es.

1(. '80I.IC!0I8' $2I82 %'382%<%'0 8. !CC8>'0 08 ! C899%C0I8'
!=%'C:A9!W 8..IC% D /ardholder shall be notified in writing by 'P of the name and contact
details of the /ollection "gency/.aw =ffice at least se$en %7( days prior to the actual endorsement of
the /ardholderIs account to the /ollection "gency/.aw =ffice. *ritten notification shall be
sent/deli$ered to the latest reported mailing address and/or electronic mail address.

1+. C!'C%99!0I8'A0%2<I'!0I8' #: C!23H893%2 D /ancellation of the /"7& must be
done in writing sub@ect to the immediate payment or settlement of the T='. )oreo$er+ cancellation of
supplementary /"7&%s( will require surrender of said /"7&%s(.

1-. >$3!0% !'3 CH!'=% 8. C8'0!C0 3%0!I9 !'3 C!23H893%2 I'.82<!0I8' D
/ardholder shall update annually or whene$er required by 'P his/her residence+ office and/or mailing
address and/or telephone numbers and/or electronic mail address or such other data pre$iously indicated
in the /"7& application %/ontact &etails and /ardholder nformation(. /ardholder shall li-ewise
notify 'P immediately+ in writing of any change in /ontact &etails and /ardholder nformation.
Should the /ardholder prefer to recei$e the monthly S="+ the S=" including renewal/replacement
cards plus all other correspondences related thereto shall be sent to the latest reported mailing address of
the /ardholder and deli$ery of the same at the /ardholderEs latest reported mailing address shall be
effecti$e and conclusi$ely deemed to be sufficient receipt of said notices.

1B. CH!'=% 8. 0!0> D 'P shall be notified in writing of any change in ci$il status of the
/ardholder.

2C. 9I<I0!0I8' 8. 9I!#I9I0: D n the e$ent of any action which the /ardholder may file against
'P for any cause whatsoe$er+ /ardholder agrees that 'PIs liability+ if any+ shall not e#ceed the amount
of Pesos: Three Thousand %P6+:::.::( or the damages actually pro$en to ha$e been suffered by the
/ardholder+ whiche$er is lesser.

21. !<%'3<%'0 D 'P may+ at any time and for whate$er reason it may deem proper+ amend+ re$ise or
modify this "greement+ including the /ardholderIs /redit .imit and any such amendment shall bind the
/ardholder upon notice %personal+ by publication or otherwise( or on the date of effecti$ity as specified
in the notice+ whiche$er is earlier+ unless the /ardholder ob@ects thereto+ by manifesting his/her
intention to terminate his/her membership in writing and surrendering his/her /"7& within fifteen %05(
calendar days from notice of amendment. <ailure to notify 'P of /ardholderEs intention to terminate
his/her membership shall be construed as acceptance by the /ardholder of the amendments to this
"greement.

22. %$!2!#I9I0: C9!>% D The enforceability and $alidity of this "greement+ in whole or in part+
shall not be affected by the unenforceability or in$alidity+ whether temporary or permanent+ of any
particular pro$ision hereof because of restricti$e laws+ regulations+ or @udicial or administrati$e
determinations obtained during any period hereof or for any other cause.

23. '8'DW!I?%2 8. 2I=H0 D >o failure or delay on the part of 'P in e#ercising any right or power
hereunder shall operate as a wai$er thereof nor shall any partial or single e#ercise of any such right or
power preclude any other right or power thereunder. >o wai$er by 'P of any of its rights or powers
herein shall be deemed to ha$e been made unless e#pressed in writing and signed by its duly authori!ed
representati$e%s(.

24. !I='<%'0A02!'.%2 8. 2I=H0 D "ll rights and interests of 'P under this "greement
may be assigned or transferred by 'P without the consent of the /ardholder+ his/her supplementary or
surety%ies(+ if any.

2". 3IC98>2% D The /ardholder hereby consents to the disclosure of information about his/her
account and credit standing to the 'an- and their personnel+ to other credit card companies+ to other
financial institutions+ to courts or go$ernment offices or agencies upon their order+ to credit information
bureaus or in$estigation companies+ to insurance companies or to third party ser$ice pro$iders. The
/ardholder hereby indemnifies and holds 'P free and harmless from any liability that may arise from
such disclosure.

2(. >#<II8' 8. I'C8<% 38C><%'0 D 'efore issuance of the /"7& or upon renewal or
e#tension thereof or whene$er required during the /"7&Es effecti$ity+ the /ardholder agrees to submit
income documents such as+ but not limited to+ payslips for at least three %6( months immediately
preceding the date of /"7& application+ or 8mployerIs /ertificate of /ompensation Payment/Ta#
*ithheld %'7 <orm 3601(+ or ncome Ta# 7eturn %T7( and financial statements %if engaged in
business( and other rele$ant documents %collecti$ely the Fncome &ocumentsF(. <urther+ the /ardholder
agrees to pro$ide his/her T> upon request of 'P. The /ardholder hereby irre$ocably authori!es 'P to
conduct random $erification with his/her employer or the '7 to establish authenticity of the ncome
&ocuments. <or this purpose+ the /ardholder authori!es his/her employer or the '7 to disclose any
information rele$ant to said $erification and to gi$e copies of his/her ncome &ocuments to 'P.
/ardholder li-ewise wai$es any rights of confidentiality on /ardholder information in such ncome
&ocuments.

2+. C8<$9I!'C% D The /ardholder agrees to fully comply and abide by %i( the terms and conditions
go$erning the use of the /"7&+ %ii( laws+ statutes and regulations and 'SP /irculars rele$ant to credit
cards and credit accommodations and %iii( the pro$isions of 7epublic "ct 9494 go$erning the use of the
credit card and other access de$ices in commercial transactions.

2-. 80H%2 0%2< !'3 C8'3I0I8' D The terms and conditions+ reminders and other pro$isions
contained in the /"7&+ the S=" and eS="+ nstallment Plan /ontract+ charge slips+ Suretyship
"greements+ /"7& carrier and such other card documents+ related instruments or documents are made
integral parts hereof by reference and shall li-ewise be resorted to in instances where they are
applicable. t is agreed that the terms and conditions herein+ as well as the aforementioned terms and
conditions+ including reminders+ rules and regulations promulgated by 'P from time to time %the
F=ther Terms and /onditionsF( shall go$ern the use of the /"7& and the supplementary /"7&%s(
issued hereunder.
"ny alteration+ amendment+ e#ception+ reser$ation or scribbling herein made by the /ardholder or in the
=ther Terms and /onditions+ not duly appro$ed in accordance with 'PEs appropriate procedures+ shall
not be $alid and binding upon 'P.