DBP ATM CARD TERMS AND CONDITIONS C.

C. DBP shall have no liability whatsoever for any loss or damage incurred by the Cardholder
arising from any breach of or non-compliance with the provisions of Sections 1.A and 1.B
The following terms and conditions (“Terms & Conditions”) shall govern the issuance and use of the hereof.
Card. By applying for and using the Card, the Cardholder hereby agrees as follows:
2. Card Transactions
Definitions. As used herein, unless otherwise specified:
1. “Account/s” shall mean current and/or savings deposit account/s (single or multiple) opened and A. Deposits to the Account made through the use of the Card shall be credited to the Account
maintained by the Cardholder with DBP, and with respect to which, the Card is issued/linked. only after verification by DBP _ the date of which may or may not be the same as the date
2. “ATM Network Participant/s” shall mean banks and other financial institutions who are, or in when the deposit was actually made. The amount verified by DBP shall be conclusively and
the future be, members or affiliates of BancNet, BancNet/Visa affiliated banks or such other ATM irrefutably deemed to be the correct amount deposited by the Cardholder to his/her Account.
networks or affiliations that will allow DBP ATM Cards in their ATM systems and facilities.
3. “Card” shall mean DBP ATM Debit Card/Prepaid Cards, and such other ATM Cards that may be B. The receipt which is electronically generated at the time the deposit is made prima facie
issued or acquired by DBP in the future. represents the amount deposited to the Account and shall not bind DBP until verified as true
4. “Cardholder” shall mean the person who maintains current/savings deposit account/s with DBP and correct by DBP.
and in whose name, the Card is issued.
5. “Card Security Code” shall mean the three (3) digit number at the back of a BancNet or Visa C. In accepting transactions of Cardholders with third parties, the use of the Card through the
issued Card and is used to make purchases online. ATM (such as bills payments, POS purchases, airtime reloads and the like), DBP merely
6. “PIN” / “Personal Identification Number” shall mean a personalized digit code used to access serves as a conduit between the Cardholder and the payee and DBP shall not be held liable
the ATM and make ATM/POS transactions. for any action or claim which may arise between the payee and the Cardholder, the latter
hereby agreeing to hold the Bank free and harmless therefrom.
Card Usage/Ownership. The Card is for the exclusive use of the Cardholder and is not transferable.
The Card may be linked to a Savings or Checking Account, or can be Both Accounts, if and only if the D. The Cardholder accepts full responsibility for all transactions made with the use of the Card
accounts are owned by the same cardholder and maintained at the same Branch of Account. The Card [with or without his/her knowledge or authority, with or without his/her signature or PIN]. All
shall be used only for lawful banking and other transactions allowed by DBP with respect to the Account transactions using the Card shall be deemed by DBP as having been made with the knowledge
(i.e. Automated Teller Machine [“ATM”] transactions, Point of Sale [“POS”] debit/purchase transactions, of or authorized by the Cardholder and shall be valid and binding upon the Cardholder. The
payments at Online/Web Merchants). It may be used on DBP’s and/or ATM Network Participants’ Cardholder accepts DBP’s record of transactions as conclusive and binding for all purposes in
ATMs, cash dispensers, POS terminal networks, payment page of Online/Web Merchants and/or other the absence of manifest error. The Cardholder further agrees to waive any and all rights and
electronic devices. The Cardholder agrees to sign the Card immediately upon receipt thereof and to remedies against DBP in connection therewith.
keep the Card in a secure and safe place. The Card is the property of DBP and DBP may, at any time,
without prior notice and without the need to give any reason, therefore, terminate the use of, cancel, 3. Card Transactions
repossess or decline to issue, renew or replace the Card. DBP may cause the ATM to retain the Card
automatically or suspend any services at any time without notice to the Cardholder. The Cardholder Cardholder’s Responsibilities. In order to help ensure security in Card transactions and personal
agrees to return the Card to DBP upon the latter’s request. The card is valid for five (5) years from card information, the Cardholder agrees to strictly comply with the following security measures, as may
issuance and shall be subject to replacement initiated by the cardholder upon expiry. be amended or supplemented by DBP from time to time:
• Sign on the signature panel at the back of the card.
1. Card Activation/Authentication Process. • Nominate a Personal Identification Number (PIN) as soon as Card is received.
• Do not use birth date as PIN.
A. To activate the Card, the Cardholder is required to insert the card in the designated card slot • Keep Card Number, PIN and Card Security Code confidential.
of any DBP ATM Terminal, input the Temporary PIN provided and perform a PIN Change using • Regularly change PIN especially when using the Card at other bank’s ATM, local or abroad.
his/her self-nominated (6-digits) PIN combinations. The Cardholder agrees and undertakes to • Transact only in well-lighted or safe areas with ATM.
comply with the following authentication procedures, as may be amended or supplemented by • Do not entertain strangers offering assistance while using an ATM.
DBP from time to time: • Keep eyes on the Card when paying for purchases.
i. For ATM transactions - – Insert Card and Enter PIN • Update contact information with the Branch of Account.
ii. For POS transactions – Swipe/Insert Card and Enter PIN, or Sign transaction draft/
invoice (depending on amount) 4. Cardholder Information and Consent. Cardholder authorizes DBP, its subsidiaries and affiliates
iii. For Internet/Online Payment transactions – Enter Card Number and provide required (Related Companies), and their respective officers and employees, to do any one or all of the
information. following:

B. The PIN is strictly confidential and should not be disclosed, given to or made available for A. Release, disclose, submit, share, or exchange any Cardholder and/or Account information
use by any other person under any circumstances, including DBP. Withdrawal, transfer, and reports as they may deem fit or necessary and for lawful purposes, including but not
deposit, payment of funds, and any other transactions entailing the use of the Card shall in limited to consumer reporting or reference agencies, government regulatory agencies, and to
all circumstances and at all times, whether with or without the Cardholder’s authorization, be other banks, creditors, financial institutions, loyalty program partners, merchant partners or
conclusively binding upon the Cardholder. service providers;

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 7. Liability Limitation. DBP’s entire liability for loss or damage (if any) in connection with Card use
B. Release, disclose, submit, share or exchange any Cardholder information and/or Account shall be limited to the amount of transaction or the actual damage or loss incurred, whichever is
Information to DBP’s Remittance Tie-ups, Partners, Agents, Subsidiaries (local and/or foreign) the lesser. DBP shall not be liable for any special, consequential, or indirect damage suffered by
in connection with remittance transactions involving the Cardholder and/or his Account; and the Cardholder from the use of the Card even if DBP has been advised of the possibility thereof.
This provision shall survive the termination or suspension of the right to use the Card. Cardholder
C. Use or share with third parties the information Cardholder has provided and/or information likewise agrees to hold the Bank, and their respective directors, officers, employees, authorized
derived from external sources for conducting internal marketing studies, surveys, marketing representatives, agents, service providers, and assigns, free and harmless from and against any
activities or promotional offers of DBP, its Related Companies, merchant partners, and/or to and all liabilities, causes of action or suits of whatever kind and nature, claims, disputes, losses,
develop and make offers which Cardholders may receive through email or thru other means damages, costs, fees, and expenses that may arise as a result of or in connection with the use
of communication. of the Card including all withdrawals, purchases, and/or transactions made or incurred using the
Card.
5. For the above purposes, Cardholder hereby waives his confidentiality rights under the relevant bank
secrecy laws such as but not limited to Republic Act Nos. 1405, 6426, 8791, and 8484 (otherwise 8. Lost/Stolen/Compromised Cards. In the event the Card is lost or stolen, the Cardholder agrees
known as The Secrecy of Bank Deposits Law, Foreign Currency Deposit Act, The General Banking to immediately report the same by calling DBP Customer Contact Center - (632) 8818-9511 press
Law of 2000, and Access Device Regulations Act) and hereby agrees to indemnify and keep “1” for card concerns - or other tel. nos. that may be made available by DBP or the Branch of
DBP and Related Entities, including their respective directors, officers and employees, free and Account. The Cardholder shall likewise immediately file an affidavit of loss (in DBP prescribed form)
harmless from and against any and all claims, suits, actions or proceedings which may arise as personally with the Branch of Account (where the account is maintained). If the loss or theft of the
a result of or in connection with the release and disclosure of the Cardholder information and/or Card occurred on a Saturday, Sunday, legal holiday or on a day or time when DBP is otherwise
Account information as set out above. The disclosure consent herein granted by Cardholder shall closed for business, the report must be made within the next banking day. Prior to receipt by DBP
continue to be valid and effective unless and until a written notice of revocation by Cardholder is of Cardholder’s report of loss or theft, all transactions generated by the use of the Card shall be
duly served upon DBP and its Related Entities. deemed conclusively binding upon the Cardholder and DBP will not be held liable for any loss or
damage incurred by the Cardholder.
6. Indemnification/Liability Limitation. In addition to other non-liability/indemnification provisions
in favor of DBP, the Cardholder hereby agrees to indemnify and render DBP its directors, officers, In case of a compromised Card, where DBP receives information that the Card number, Card
employees and agents and assigns, free and harmless from and against any claim, cause of action, name, Card expiry date have been obtained by an unauthorized source/party, DBP shall tag the
suit, liability, loss or damage of whatever nature which may arise as a result of or in connection with Card as “Temporarily Suspended” to prevent its unauthorized use, and DBP shall immediately
the use of the Card and the transactions made with the use of the Card, in the following instances: notify Cardholder of the situation and issue a new Card for the Cardholder.

A. Disruption, failure, or delay relating to or in connection with the use of the Card which is 9. Unclaimed/Captured Cards. All Unclaimed Cards shall be Tagged as Temporary Suspended with
due to circumstances beyond the control of DBP, fortuitous events such as but not limited to a caption of “Unclaimed cards after 90 days” in the Bank’s system. The card shall be destroyed and
prolonged power outages, breakdown in computers and communication facilities, computer- shredded after a period of ninety (90) calendar days or three (3) months from the date of receipt
related errors, typhoons, floods, public disturbances, and calamities and other similar or by the DBP Branch where the Cards could have been claimed. Captured Cards retrieved from the
related cases; ATM by DBP shall be destroyed after three (3) days.

B. Fraudulent or unauthorized utilization of the Card due to theft, unauthorized disclosure or 10. Reporting of ATM Crimes. The Cardholder is encouraged to report occurrences of ATM crimes
breach of security or confidentiality of the Card Number, PIN and Card Security Code, with or (e.g. robbery, vandalism) to DBP by calling DBP Customer Contact Center - (632) 8818-9511
without the Cardholder’s participation; press “1” for card concerns - or other tel. nos. that may be made available by DBP or the Branch
of Account. In case the Card and/or the Account is suspected by DBP or government authorities
C. Inaccurate, incomplete, or delayed information received by DBP due to disruption or failure of to be involved in ATM crimes or fraud cases, the Cardholder expressly consents to and hereby
any communication facilities or electronic device used for the Card; authorizes the sharing or disclosure by DBP to the public at large and/or to government authorities
of information relative to such ATM crimes or fraud cases in order to deter and prevent proliferation
D. Mechanical defect in or malfunction of the electronic device on which the Card is used (i.e., thereof.
ATM, POS, etc.); the Card not being honored or being declined; any delay in the crediting of
any deposit to or debiting of payment from the Account due to or by reason of failure and/or 11. ATM/POS/Online/Web Merchants Network. The Cardholder understands that the Card may be
malfunction of any mechanical, electronic or other part, component, system or network upon used in ATMs/POS terminals of DBP and the ATM Network Participants and Online/Web Merchants.
which the ATM/branch computer is critically dependent on normal and efficient operations; The Cardholder agrees that DBP does not have control over the ATM Network Participants through
and/or which the Cardholder may access the Account, their ATMs, their procedures, or controls data/
information processing. Hence, DBP shall not be liable for any loss or damage of whatever kind
E. Improper and unauthorized use of the Card’s facilities and electronic devices (i.e., ATM, POS, or nature incurred by the Cardholder as a result of or in connection with (i) the Cardholder’s
etc.); or recklessness or accident in connection with the use thereof. inability to use or delay in the use of his/her Card or inability to avail himself/herself of or delay
in the availability of any ATM service due to disruption, breakdown or failure of the ATMs of ATM
The above provisions shall survive the termination or suspension of the right to use the Card. Network Participants and Online/Web Merchants, communication facilities linking the same, or (ii)
unauthorized or fraudulent access or utilization of the Card or any ATM service. The Cardholder
understands and agrees that transactions coursed through any of these networks shall be subject
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 to transaction fees as determined by DBP and the ATM Network Participants and Online/Web result thereof. If at any time there are insufficient funds in the said Account/s to cover fees and
Merchants through which the transactions are coursed. charges, DBP may suspend or terminate the use of the Card without DBP incurring any liability
as a result thereof.
12. Access to ATM/POS/Online/Web Merchants located outside the Philippines. DBP Cards
bearing the BancNet/Visa logo can be used to make withdrawals/payment transactions at BancNet/ B. Any and all taxes arising from payment of fees and charges hereunder shall be for the account
Visa ATMs/POS/Online/Web Merchants located at countries outside the Philippines, from/involving of the Cardholder without incurring any liability therefor or as a result thereof.
his/her Account in the Philippines. Any withdrawal/payment transaction made by the Cardholder
outside the Philippines through the use of the Card against his/her Account in the Philippines 17. Termination/Suspension of Card Use
constitutes a disbursement from said Account in the Philippines and a remittance to the country
where the withdrawal/payment transaction was effected, and shall, therefore be subject to the A. The Cardholder may request DBP to terminate or suspend its use of the Card by calling DBP
applicable laws, government rules and regulations of both the Philippines and the country where Customer Contact Center, or by visiting the Branch of Account to make such request. DBP
the withdrawal/payment transaction is made. Cash withdrawals/payment transactions outside the shall, on a best-efforts basis and to the extent practicable, immediately effect the requested
Philippines using the Card shall be in the currency allowed by the institution which owns the ATM/ cancellation or termination. The Cardholder shall remain responsible for any transactions
POS and Online/Web Merchants from where the withdrawal/payment transaction was made and made on the Account/s until the time of termination or suspension of the use of the Card.
up to the maximum amount permitted by and subject to other limitations imposed by that institution.
Cash withdrawals/payment transactions are also subject to any exchange controls, regulations, or B. DBP may terminate or suspend the Cardholder’s use of the Card at any time, with or without
limitations in effect in the country where the ATM/POS/Online/Web Merchant is situated and will notice if:
be converted at the exchange rate prevailing at the time of the transaction. Transactions shall be
subject to transaction fees as determined by DBP and the international network through which the i. The Cardholder has breached these Terms and Conditions;
transaction was coursed. Such transaction fees shall be subject to the exchange rate prevailing ii. DBP learns of the Cardholder’s bankruptcy, insolvency, liquidation, dissolution, death,
at the time of the transaction.. Applicable foreign exchange mark-up rate is also applied to cover incapacity, or other analogous circumstances, or that the Cardholder committed an
service fee and assessment fees charged by BancNet/Visa. act of bankruptcy, insolvency, liquidation, dissolution or other analogous acts, or that
a bankruptcy or insolvency or other analogous petition has been filed against the
13. Accredited Establishments. DBP has an agreement with BancNet/VISA whereby the Card Cardholder;
bearing the BancNet/VISA label shall be honored at all BancNet/VISA accredited establishments iii. If in DBP’s reasonable opinion, the Cardholder’s Account/s is/are being mishandled as
worldwide at all times. However, DBP shall not be liable to the Cardholder if, for any reason, determined pursuant to DBP’s existing policies and procedures, or if the Account/s or the
such BancNet/VISA accredited establishment does not honor the Card. The Cardholder agrees to Card is being used for any unlawful or illegal activity or transaction;
hold DBP free and harmless from any and all claims or liabilities as a result of the refusal of any iv. In case of closure, termination, suspension, garnishment, hold-out or other similar
BancNet/VISA accredited establishment to honor the Card. Moreover, the Cardholder shall not hold restrictions on the Account/s; or
DBP responsible for any defective product or service purchased through the use of the Card or for v. DBP considers that there exists other reasonable grounds to do so.
any dispute between the Cardholder and the establishment. vi. Any and all accrued but unpaid obligations of the Cardholder to DBP prior to termination,
and terms and conditions hereof which by express terms, shall survive the termination of
14. Limitations. The Cardholder agrees not to use the Card for the purchase of items/goods, the the Cardholder’s right to use the Card.
importation of which into the Philippines is subject to the provisions of CB Circular 1384, as
amended, and all other circulars, laws, rules and regulations pertaining to importation. Likewise, 18. Undertaking. In case of overcredit, erroneous credit, failure to debit, erroneous debit, misposting,
the Cardholder agrees and warrants that the proceeds of Card withdrawals abroad shall not be or any error in transaction involving any amount, (any and all of which shall be referred to as
used for foreign investments or for the payment of foreign loans or for any other purpose in violation “Amount/s Due to DBP”) to Cardholder’s Account/s as appearing in the records/books of DBP,
of any existing foreign exchange rules and regulations. and for whatever cause such as but not limited to systems error, error in communications facilities,
Cardholder hereby agrees and undertakes to immediately return to DBP the Amounts/s Due to DBP
15. Notices; Change of Address and Other Data. Unless otherwise provided herein, any and all without need of notice or demand, plus any and all expenses, costs and damages which DBP may
notices and communications required or allowed to be given under these Terms and Conditions have incurred, including penalty interest at DBP’s then prevailing loan rate based on the Amount’s
shall be in writing and sent to the Cardholder at the address or any of the addresses indicated Due to DBP, in connection with the enforcement of DBP’s right to recover and collect the Amount/s
in this application form. Notices shall be deemed received by the Cardholder on the date of Due to DBP. For this purpose, Cardholder irrevocably authorizes DBP/its representatives to effect
receipt, if delivered personally, after fifteen (15) days from posting, if sent by mail, or on the date of the debiting of funds from Account/s to the extent of the Amount/s Due to DBP, without need of
transmission, if by facsimile or electronic mail. The Cardholder shall immediately notify DBP of any further act and deed, and without DBP/its representatives incurring any liability as a consequence
change in his address, as well as other data previously indicated in this application form. Until DBP thereof. This is without prejudice to the exercise by DBP of its right to enforce full recovery and
is notified of such change, it will continue to use the information and data on file with it. collection of the Amount/s Due to DBP, in case the Cardholder’s Account/s cannot be debited for
any reason such as but not limited to insufficient balance, as well as the exercise by DBP of the
16. Fees and Charges legal remedies to which DBP may be entitled to under the law and this Agreement, including but
not limited to immediate cancellation or suspension of the relevant Account/s, civil, criminal, and/or
A. DBP may, from time to time, upon giving notice, impose fees and charges for the use of the administrative remedies. Pending full recovery or collection by DBP of the Amount/s Due to DBP,
Card. The Cardholder hereby authorizes DBP to debit his/her Account or any other Account the Cardholder shall hold the said amount in trust for DBP. Failure of Cardholder to account for and
which the Cardholder maintains with DBP, for the amount of such fees and charges without return the Amount/s Due to DBP shall give rise to a prima facie presumption of misappropriation or
need of further notice, demand, act or deed without incurring any liability therefor or as a conversion with intent to defraud, on the part of Cardholder.
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19. Cardholder Complaint. Any complaint regarding the Card, the Account, and/or transactions using
the Card shall be communicated to Branch of Account or call DBP Cardholder Hotline - (632) 8818-
9511 press “1” for card concerns.

20. Amendments/Revisions. The Cardholder agrees that DBP shall have the right to add, revise,
or amend, in whole or in part, these Terms & Conditions, and the features and functionalities
of the Card. Any such addition, revision, or amendment will take effect and become binding on
the Cardholder from such time that the same is published, announced or displayed by means of
posters duly displayed in a conspicuous place within the premises of DBP or by any other means
of publication or communication as determined by DBP.

21. Terms and Conditions Governing Deposit Accounts. These Terms & Conditions shall supersede
and prevail upon the DBP ATM provisions found in the Terms and Conditions Governing Deposit
Accounts. All the other provisions under the Terms and Conditions Governing Deposit Account
shall remain to be effective.

I/We have read and hereby agree to be governed by DBP’s Terms and Conditions Governing Deposits.

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Signature over Printed Name, Date Signature over Printed Name, Date

__________________________________ __________________________________
Signature over Printed Name, Date Signature over Printed Name, Date

Signature Verified by: Date:

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DBP ATM CARD