A1 - Customer Information

CIF Number Account Owner

(for internal use)
Business Owner / Officer / Signatory

I. CUSTOMER INFORMATION

Full Name Date of Birth

Last Name First Name Middle Name Suffix (mm/dd/yyyy)

/ /

Are you an existing BDO Customer? Yes No BDO Product Type Deposits Cards Loans Wealth Management Insurance
(If ‘Yes’, select the ‘BDO Product Type/s’ that you have.) Existing BDO customers only need to fill in the fields or inputs with check marks if there is information to update.
Otherwise, place NA or select the appropriate input.

II. CONTACT INFORMATION

Personal Mobile Number Personal Email Address Home Landline Number

Country Code Mobile Number Country Code Area Code Landline Number

Home Address
Unit No. / Building / Block No. / Street Subdivision / Village / Barangay

City / Municipality Province / State Country Zip Code

Please Select

Alternate Address (Do you have another home address, including abroad? If ‘Yes’, provide below. If ‘No’, tick ‘Same as Home Address’) Same as Home Address
Unit No. / Building / Block No. / Street Subdivision / Village / Barangay

City / Municipality Province / State Country Zip Code

Please Select

Work / Business Email Address Work / Business Landline Number

Country Code Area Code Landline Number Local (if applicable)

Work / Business Address

Unit No. / Building / Block No. / Street Subdivision / Village / Barangay

City / Municipality Province / State Country Zip Code

Please Select

III. PERSONAL INFORMATION

Country of Birth
Gender Civil Status
Please Select Male Single Legally Separated Annulled

Female Married Divorced Widow/er

Citizenship (If ‘Others’, provide below)
TIN
Filipino Provide your Tax Identification Number

Others

IV. FINANCIAL INFORMATION (Refer to ‘Instructions’ for ‘List of Codes’ for ‘Source of Funds’ and ‘Nature of Work / Business’)

Sources of Funds
Provide all applicable ‘Codes’. (ex. 001, 002, 003)

Please Select

Natures of Work / Business Name of Primary Employer / Business

Provide all applicable ‘Codes’. (ex. ABC, DEF, GHI)

Please Select

Position / Job Title in Primary Employer / Business (Select one if you are ‘Employed’) Gross Monthy Income (PHP)

For Private / Self-Employed Owner / Director / Officer Non-Officer / Employee Contractual / Part-Time

For Government-Employed Elected / Appointee Employee

 A2 - Regulations and Agreements

V. REGULATORY REQUIREMENTS

Political Relations and Affiliations Questionnaire

Do you have previous and current affiliation/dealings with the Government and/or relations to any government official in the Yes No
Philippines or another country? If ‘YES’, accomplish ‘Form A6’
Foreign Account Tax Compliance Act (FATCA) Questionnaire (Refer to ‘Instructions’ for details on the ‘Substantial Presence Test’)
Are you obligated to pay taxes to the U.S. IRS because of your citizenship, residency, or other reasons such as meeting Yes No
the Substantial Presence Test? If ‘YES’, accomplish ‘Form A7’
Online Gaming Questionnaire (Refer to ‘Instructions’ for details on ‘Online Gaming Business’)
Does your work / business provide service, process transactions, have transactions or related interests / relationships with any Yes No
business or service provider in the online gaming industry? If ‘YES’, accomplish ‘Form A8’
Beneficial Ownership
Are you opening this account on behalf of someone else? Yes No

VI. DATA PRIVACY CONSENT

In compliance with the requirements of the Data Privacy Act, I hereby give my consent to the BDO Group, consisting of BDO Unibank, Inc. and its subsidiaries (the members of the BDO Group may be accessed at
on obtained from me in the course of my transaction/s with the BDO Group. I understand and agree
that these information may be disclosed or shared by BDO Group to its members for know-your-client, cross-selling, marketing, or profiling (manual or automatic) purposes to offer and provide new or related products and
services of the BDO Group. Further, I hereby give my consent to any member of the BDO Group to process, collect, use, store, share or disclose my personal information or sensitive personal information to third parties for
legitimate purposes, or to provide services to me or implement transactions which I may request, allow, or authorize.

I confirm that I understand and agree that my information may continue to be processed, collected, used, stored, or disclosed for ten (10) years from Signature
my last transaction date with any member of the BDO Group or until the expiration of the retention limits set by applicable laws, whichever comes later.

I hereby acknowledge and understand that should I wish to withdraw my consent to receive information about new or related products and services
of the BDO Group, or to access, update, or correct certain personal data as set out in this form, I may communicate directly with the relevant member

thereof from the office or branch of the relevant member of the BDO Group.

VII. CONSENT FOR THE ISSUANCE OF A BDO CREDIT CARD

By signing, I agree that this shall serve as my application for issuance of a BDO Credit Card and I undertake to submit documents as may be deemed Signature
necessary by BDO. I authorize BDO to conduct random verification with government agencies or third parties to establish authenticity of the

of a BDO Credit Card shall be subject to credit evaluation and discretion of BDO.

VIII. CUSTOMER UNDERTAKING

By signing, I hereby certify that the information given in this application is true and correct to the best of my knowledge and I confirm that I have read,
understood, and agreed in full to the BDO Online Account Opening Service Terms and Conditions, Electronic Banking Terms and Conditions of Use,
Terms and Conditions of the General and Special Provisions on Deposits, the BDO Debit Card Terms and Conditions, and the Terms and Conditions Signature
of BDO Biometrics (the “BDO Terms and Conditions”) and have fully understood and agreed to be governed by the provisions thereof, as well as the
rules and regulations of BDO, Bangko Sentral ng Pilipinas, Anti-Money Laundering Council, Bankers Association of the Philippines, Philippine Deposit
Insurance Corporation, and the Bureau of Internal Revenue with respect to taxes imposed on interest on deposits and bank commission/charges
relative to the establishment of operations of the account/s opened.

I also hereby affirm that the features, requirements, risks and benefits of the BDO product(s) and services I am availing were fully disclosed and
explained clearly to me by BDO. I further declare that I have fully understood and agree to be governed by the rules and regulations of the BDO
product(s) and services I am availing. I also acknowledge that the BDO Terms and Conditions were made available to me upon account opening, and Date Signed
where copies were given upon request and posted in BDO’s website at bdo.com.ph/info/accounts. I agree that BDO may make amendments to the (mm/dd/yyyy) / /
BDO Terms and Conditions by giving me notice by (i) exhibiting the same at any of BDO’s branches, (ii) publishing the same at BDO’s website or any
media, or (iii) such other manner BDO deems fit.

REVISED
REVISED ASAS
OFOF MAY
MAY 2023
2022

Account Number Date Opened (mm/dd/yyyy) Residency Biometrics RC NLDS

Resident Face N
/ /
Non-resident Finger H

ID 1 ID 2
FO R INTER NAL USE ONLY

Type of ID ID Number Type of ID ID Number

Walk-In Referred By (please indicate below) Verified By Approved By

Name and Signature Name and Signature

Courtesy Call / Remarks

 Instruction Sheet

G ENE RAL INSTRUCTIONS

1. These instructions are provided to guide you in filling up ‘Form A1-A2’, specifically where ‘Codes’ are necessary.
2. Provide accurate and detailed information to ensure regulatory compliance and determine the applicability of due diligence, where necessary.

SOURCE OF FUNDS
Indicate all relevant sources of funds. Refer to the descriptions and codes below for your entry. You may input multiple codes where applicable. (ex. 001, 002, 003)

001 Employed - Fixed Income 005 Pension 009 Investment / Dividend Income

002 Employed - Variable Income 006 Personal Savings / Retirement Proceeds 010 Rental Income

003 Self-Employed - Business Income 007 Allowance 011 Sale of Asset / Property

004 Remi s 008 Inheritance 012 Other Sources (Lo ry, Donations, Tax Refunds, and Insurance/Legal Claims)

N AT URE OF WORK / B US I NE S S
Indicate all relevant industries where you derive your income or assets from. Refer to the general categories and specific codes and descriptions below for
your entry. Notes on entries can be found at the back of this Instruction Sheet. You may input multiple codes where applicable. (ex. ABC, DEF, GHI)

Professional, Scientific, and Technical Services Information and Communication

ACT Accounting / Auditing / Tax Practice Services COM Information / Communication / Telecommunication

LEG Legal Services PUB Publishing / Printing

ANE Architecture / Engineering ICT

Development / Cybersecurity
ADV Advertising / Marketing
Manufacturing
SVC Other Professional Services / Consultancy / Coaching
MFG Manufacturing / Packaging
Finance and Insurance
MFF Manufacturing / Trading of Firearms and Ammunition
PWN Pawnshop
Dealerships, Trading, Selling and Repair Services
LDG Lending
ART Art / Antiques Dealership
MSE Money Service Business - Electronic Money Issuer
CAR Car / Boat / Plane Dealership
MSV Money Service Business - Virtual Currency Exchange
JEW Jewelry / Precious Metals / Precious Stones Dealership
MSR Money Service Business - Remi nce Transfer Company
WRT Wholesale / Retail Trade (Distribution & Sales) / E-Commerce / Online Selling
MSF Money Service Business - Foreign Exchange Dealer / Money Changer
REP Repair Services
BAN Banking
Transportation and Storage
INS Insurance
TRN Transportation (Land, Sea and Air)
SBD Securities Broker / Dealer
SHI Shipping / Cargo / Storage
Construction and Civil Engineering
SEA Seaman / Seafarer
CON Construction and Civil Engineering
Agriculture, Forestry, and Fishing
Real Estate Brokerage and Sales
AGR Agriculture / Fishing
REL Real Estate Brokerage and Sales
FOR Forestry
Media, Arts, Sports and Recreation
Mining and Quarrying
MED Media
MIN Mining / Quarrying
ENT Arts / Entertainment / Recreation
Electricity, Oil and Gas
SPO Sports / eSports
UTL Electric Utilities
GAM Gambling / Casino / eGames
OIL Oil / Gasoline
Healthcare and Social Work
Water Supply, Sewerage and Waste Management
HEA Healthcare (Doctor, Dentist, Nurse, Psychiatrist and others)
WAT Water Supply / Sewerage / Waste Management
SOC Social Work / Non-Government and Non-Profit Organizations
Public Administration and Peace and Order
Education
MIL Peace and Order (Military, Police, Fireman, Jail Warden and Others)
EDU Education / Online Education
PAD Public Administration / Government
Accommodation and Food Services
Embassises and Diplomatic Services
AFS Hotel / Accommodation / Restaurant / Food Services
EMB Embassies / Diplomatic Services
Administrative and Other Support Service Activities
Other Service Activities
TRA Travel / Travel Agencies
OTS Other Service Activities (Hairdresser, Manicurist, Masseuse and others)
AGY Employment Agency / Human Resources
RLG Religious Organization
BPO Business Process Outsourcing
Special Nature of Work / Business
SEC Security Agency / Services
DFP Designated Non-Financial Business And Professions (DNFBP)
Private Household and Household Staff
OGB Direct OGB / POGO Licensee and Authorized Gaming Agent
HOU Private Household / Household Employee / Household Staff
OGI Indirect OGB / POGO Allied Service Provider
 Instruction Sheet

NOT ES ON NAT URE O F WORK / B US I NES S

1
Designated Non-Financial Business and Professions (DNFBP)
As covered persons, the following Designated Non-Financial Businesses and Professions (DNFBPs) are required to declare their
engagement as a DNFBP and submit the Certificate of Registration issued by the AMLC:
1. Dealers of jewelry, precious metals, and precious stones
2. Company service providers which, as a business, provide any of the following services to third parties: (a) acting as a formation agent
of juridical persons; (b) acting as (or arranging for another person to act as) a director or corporate secretary of a company, a partner
of a partnership, or a similar position in relation to other juridical persons; (c) providing a registered office, business address or
accommodation, correspondence or administrative address for a company, a partnership or any other legal person or arrangement; and
(d) acting as (or arranging for another person to act as) a nominee shareholder for another person; and
3. Persons, including lawyers and accountants, who provide any of the following services: (a) managing of client money, securities
or other assets; (b) management of bank, savings, securities or accounts; (c) organization of contributions for the creation,
operation or management of companies; and (d) creation, operation or management of juridical persons or arrangements, and
buying and selling business entities.
4. Real Estate Brokers and Developers;
5. Offshore Gaming Operators (OGO) and Offshore Gaming Operator Service Provider (OGO SP)
2
Online Gaming Businesses (OGB)
As covered persons, Online Gaming Businesses with ‘Direct engagement’ and ‘Indirect engagement’ to Online Gaming are required
to declare their engagement in the industry and submit the required documents from PAGCOR, as needed.

‘Direct engagement’ in Online Gaming refers to offshore entities with a Philippine Offshore Gaming license granted by PAGCOR to
primarily engage in Online Gaming, while ‘Indirect engagement’ in Online Gaming refers to Philippine entities or persons accredited
by PAGCOR to provide allied support services and / or components of offshore gaming operations to Philippine Offshore Gaming

Studio and Streaming Providers.

Business Process Outsurcing Providers (BPOs) that are servicing legitimately licensed gaming operators abroad and do not in any way

at least 90% Filipino workforce are also classified as having an ‘Indirect engagement’ in Online Gaming.

ON THE FOREIGN ACCOUNT TAX COMPLIANCE ACT (FATCA) AND ‘SUBSTANTIAL PRESENCE TEST’
An individual will be considered a United States resident for tax purposes if they meet the Substantial Presence Test for the calendar year. To meet
this test, the individual must be physically present in the U.S. on at least:

1. 31 days during the current year, and

2. 183 days during the 3-year period that includes the current year and the 2 years immediately before that, counting: (a) All the days the
individual was present in the current year; (b) 1/3 of the days the individual was present in the first year before the current year; and (c) 1/6 of
the days the individual was present in the second year before the current year.

REVISED AS OF MAY 2023

 B1 - Financial and Credit Information

CIF Number
(for internal use)

I. CUSTOMER INFORMATION

Full Name Date of Birth

Last Name First Name Middle Name Suffix (mm/dd/yyyy)

/ /

Are you an existing BDO Customer? Yes No BDO Product Type Deposits Cards Loans Wealth Management Insurance
(If ‘Yes’, select the ‘BDO Product Type/s’ that you have) EXISTING BDO Credit Card Customers only need to fill in the fields or inputs with check marks.

II. FINANCIAL INFORMATION

Length of Stay at Current Home Ownership of Current Home

Years Months
Owned Rented Mortgaged

Used for Free Living with Relatives

Employment Type (Select one if you are ‘Employed’)

For Employed Private Government Bangko Sentral ng Pilipinas Non-Governmental Organization Overseas Filipino Worker

For Self-Employed Professional For Business Owners Sole proprietor Partner Stockholder

Length of Stay with Previous Employer / Business Length of Stay with Current Employer / Business Gross Monthy Income (PHP)
Years Months Years Months

Do you have Credit Cards with other banks? If ‘Yes’, provide information below
Name of bank (ex. Bank A) Last six digits (ex. 654321) Year issued (ex. 1968)

III. PRODUCT INFORMATION

What product are you interested in?

BDO Credit Card BDO Personal Loan

CREDIT CARD DETAILS (For BDO Credit Card Applicants ONLY. You can choose up to two cards, except for Installment Card)

Mastercard® Visa JCB American Express®

ShopMore Classic Lucky Cat Blue Explorer
Standard Gold Gold Cashback Platinum
Bench Platinum Platinum

Gold UnionPay Diners Club Do you want a Virtual Card for online transactions?
Only applicable for select Mastercard*, Visa, and American Express® Cards
Titanium Gold International
Yes No
Platinum Diamond Premiere
*Except ShopMore Mastercard, Bench Mastercard and BDO Installment Card
Installment Card

INSTALLMENT CARD CASH AVAILMENT / PERSONAL LOAN DETAILS (For BDO Installment Card and BDO Personal Loan applicants ONLY)
Installment Card Cash Availment / Personal Loan Amount
Up to PHP 1 for Installment Card and PHP 2,000,000 for Personal Loan. Installment Card Cash Availment / Personal Loan Term
individuals applying for a loan amount higher than PHP 1,000,000 must accomplish Form B4
6 Months 18 Months 36 Months

12 Months 24 Months

Purpose of Installment Card Cash Availment / Personal Loan

Home Improvement Debt Consolidation Purchase of Luxury Items Others

Appliance / Furniture / Electronics Education / Tuition Fee Purchase of Auto Accessories

Medical Expenses Travel Secured (Home/Auto) Product Purchase(for equity)

 B2 - Regulations and Agreements

IV. CREDIT CARD / LOAN ACCOUNT INFORMATION

Deliver my BDO Credit Card to my: (for BDO Credit Card ONLY) Deliver my reports, statements, and notices to my:

Home Address Personal Email Address

Work / Business Address Work / Business Email Address

V. LOAN PROCEEDS AND AUTO-DEBIT ARRANGEMENT INFORMATION

A BDO Deposit Account is REQUIRED as part of this application for Personal Loans for the crediting of Loan Proceeds and the setup of an Auto-Debit Arrangement (ADA) for the monthly amortization

method. You may provide an existing BDO account or open a new one by ticking the consent below.

Provide your BDO Account for your ‘Loan Proceeds’

and set up ‘Auto-Debit Arrangement’ your ‘Loan Proceeds’ credited and an ‘Auto-Debit Arrangement
BDO Savings or Checking Account Number (under Borrower’s name) (ADA)’ set up to this account, tick the option below:
If approved, I would like to open a new ‘BDO ADA/ACA
Proceeds and an ‘Auto-Debit Arrangement (ADA)’ for the
monthly amortization / balance of the loan / credit card set
AUTO-DEBIT / AUTO- CREDIT ARRANGEMENT UNDERTAKING up to this account
By signing, I/we expressly authorize BDO Unibank to automatically debit and/or credit from time to time,
without need of any further act and deed, from and to the enrolled deposit account, the amount(s) granted
and/or due in my/our credit card/loan account. I/we also agree to any updates that may be done to my/our
enrolled deposit account as a result of maintenance and updates to any account that may be linked to it. I/we
agree to be governed by the Auto-Debit/Auto-Credit Terms and Conditions (“ADA/ACA”) as found online on
bdo.com.ph/info/ada-aca.
Primary Signatory Secondary Signatory
(Signature over Printed Name) (Signature over Printed Name)

VI. REGULATORY REQUIREMENTS

Related Party Questionnaire

Are you a director, officer, or stockholder of BDO or BDO-affiliated company? Yes No

Are you a spouse or relative up to second degree, i.e. parent, child, grandparent, grandchild, brother, sister Yes No
(biologically, legally adopted, or in-law) of a Director, Officer, Stockholder of BDO and/ or BDO-affiliated companies?
If ‘Yes’, accomplish ‘Form B10’

VII. CARD DELIVERY

Cardholder authorizes the ISSUER or the ISSUER’s official courier to deliver the card to himself/herself or in his absence to any member of his/her household, officemate/co-worker or to a third party
that he/she may authorize, subject to the existing card delivery policy of the ISSUER. Cardholder agrees to hold the ISSUER free and harmless from any claim, loss or liability, whatsoever arising from
the delivery of the Card.

VIII. CUSTOMER UNDERTAKING

I hereby agree that the terms of Form A1-A2 and its attachments form part of this Form B1-B2 and are deemed an integral part understand that BDO can rely on the authority given under this section unless otherwise revoked by me. I agree that in case I
hereof, my Conforme in Form A1-A2 is deemed repeated for purposes of my application in this Form B1-B2, and that the am issued by two or more BDO Credit Cards, BDO may give a separate credit card limit for each of the Cards issued to me or
representations, warranties, and undertakings under this Form B1-B2 shall be in addition to those provided in Form A1-A2. a consolidated Shared Credit Card Limit for my existing and future BDO Credit Cards, expressed in Philippine Pesos. I
understand that Shared Credit Card Limit is the Credit Limit assigned to a Cardholder across all issued BDO Credit Cards,
I certify that all information and documents given by me in this Form B1-B2 and in Form A1-A2 are true and correct. I authorize except BDO Installment Card. Furthermore, I understand and agree that a portion of my principal card limit is shared with my
the relevant Consumer Banking Unit/s to update or cause the updating of the information in Form A1-A2 based on the Virtual Card. Any request for increase in Credit Limit may be accommodated by BDO subject to the submission of required
information or documents provided by me. I understand that non-disclosure and/or falsification of information and documents.
documents herein required shall be grounds for the disapproval of my application, immediate termination of my credit card
privileges once approved, a default of my Personal Loan and/or legal action against me. When a Supplementary Card is requested and subsequently issued by BDO, the signature of the Supplementary Cardholder
signifies his/her agreement to jointly and solidarily liable with the Principal Cardholder for all obligations and liabilities incurred
I authorize BDO to obtain relevant information as it may require concerning my application under this Form B1-B2 from other with the use of the BDO Credit Card including the issued Supplementary Card.
institutions/persons. All information obtained by or provided to BDO pursuant to this application shall be BDO’s property
whether or not the credit card/Personal Loan is granted. Pursuant to the BDO Personal Loan I applied for, I understand that BDO shall require me to sign and submit documents in
the event my BDO Personal Loan is approved. In case BDO allows the documents to be scanned and submitted via email, I
I agree that my application under this Form B1-B2 shall be subject to applicable laws (including BSP circulars, rules, and agree that the digital or electronic signature in any and all documents shall be as valid as my original signature, shall have the
regulations), and policies of BDO and undertake to comply with/submit all the loan requirements. I recognize that BDO is same force and effect as manual signature, and shall be effective to bind me to the approved BDO Personal Loan. I agree that
committed to ensuring the confidentiality of my information under R.A. No. 1405 (Bank Secrecy Law of 1955) as amended, R.A. any digitally or electronically signed document shall be deemed (i) to be “written” or “in writing,” (ii) to have been signed and
No. 8971 (General Banking Law of 2000) as amended, and R.A. No. 6426 (The Foreign Currency Deposit Act), and will exert (iii) to constitute a record established and maintained in the ordinary course of business and an original written record when
reasonable efforts to protect against unauthorized use or disclosure. However, I understand that my information and printed from electronic files. Such paper copies or “printouts,” if introduced as evidence in any judicial, arbitral, mediation or
information regarding my deposit account/s with BDO may be inquired to, or disclosed, in relation to the evaluation of my administrative proceeding, will be admissible against me to the same extent and under the same conditions as other original
application under this Form B1-B2, as may be required by applicable rules and laws, and/or to ensure a successful debit under business records created and maintained in the documentary form. I will not contest the admissibility of true and accurate
an Auto-Debit Payment Arrangement. I further authorize BDO to: (a) pursuant to BSP Circular No. 472 Series of 2005 as copies of digitally or electronically signed documents on the basis of the best evidence rule. For purposes hereof, “digital
implemented by BIR Revenue Regulation RR-4 2005, conduct random verification with the Bureau of Internal Revenue, to signature” and “electronic signature” shall have the meanings ascribed to them under the Philippine Supreme Court Rules
establish authenticity of the ITR, accompanying financial statements and such other documents/information/data submitted on Electronic Evidence (A.M. No. 01-7-01-SC dated July 17, 2001) and the Philippine Electronic Commerce Act of 2000 (R.A.
by me; (b) conduct checking with other governmental entities and third parties including banks and financial institutions to 8792), including amendment.
verify documents/information/date submitted by me; and (c) to request information regarding the status of any court case to
which I may be a party. In case of disapproval of my application under this Form B1-B2, I understand that BDO is under no obligation to disclose the
reason/s for such disapproval.
For BDO Credit Card application, by signing below, I further confirm that I have accessed, read, and understood the Terms
and Conditions and Table of Fees and Charges applicable to the BDO Credit Card I applied for as found in bdo.com.ph/info/- BDO is hereby authorized to send me notices and information regarding the status of the my application under this Form
cards-and-personal-loans. I acknowledge that BDO may issue a card type different from my card preference based on the B1-B2, including details concerning my approved/availed facility/loan via email, as well as broadcast messaging service,
evaluation of my application, as the case may be. If my application is approved, I acknowledge that by signing below and/or at multi-media messaging service, and/or short messaging service as these terms are defined in the regulations of the National
the back of the credit card and/or by using the credit card, I agree to abide by the applicable Terms and Conditions of my Telecommunications Commission (NTC).
approved Credit Card.
Signature
As t he principal applicant, I agree that my application under this Form B1-B2 shall also serve as my application for issuance of Date Signed
(mm/dd/yyyy)
additional BDO Credit Card/s that I may subsequently request for in the future. I understand that the issuance of additional

/ /
BDO Credit Card/s shall be subject to credit evaluation and discretion of BDO and I undertake to submit additional
documents as may be required to process my application and to update the information provided in this Form B1-B2. I
 B2 - Regulations and Agreements

REVISED AS OF MAY 2022

REVISED AS OF MAY 2023

FOR INTERNAL USE

SC IC Branch Code Branch Name Referror Code

 Credit Cards Fees and Charges

FEES AND CHARGES

MEMBERSHIP FEE MONTHLY INTEREST RATE

PRINCIPAL / BASIC SUPPLEMENTARY Retail and Cash Advance transactions
(inclusive of cash advance fee)1

Classic / Standard / Lucky Cat

P150/month P75/month
ShopMore

Bench P200/month P100/month2

Installment Card P1,000/year N/A
Gold Cards3 P200/month P100/month2
Diners Club International P250/month P125/month
Titanium / Platinum Free for life4 3.00%
P4,500/year
Diners Club Premiere P2,500/year
Diamond3 P5,000/year Free for life4
Blue from American Express® P150/month P75/month
American Express® Cashback Credit Card P250/month P125/month
American Express® Explorer™ Credit Card P4,000/year P2,000/year
American Express® Platinum Credit Card P5,000/year Free for life4

P200
for every approved Cash Availment / Cash-It-Easy transaction
INSTALLMENT AVAILMENT FEE
P250
for every approved Balance Convert / Balance Transfer transaction

CASH ADVANCE FEE5 P200 / US$4

LATE PAYMENT CHARGE P850 / US$20

or unpaid minimum amount due, whichever is lower

MINIMUM AMOUNT DUE

The sum of the following:

a) 3% of the outstanding balance less installment amortizations and new
transactions posted within the current statement period or P200 / US$5 ,
BDO AND AMERICAN EXPRESS® CARDS whichever is higher;
b) 3% of installment amortization;
c) Overdue Amount;
d) Over-Limit Amount.

The sum of the following:

a) 3% of the outstanding balance (less Installment and Cash Availment
Amortizations, if any);
INSTALLMENT CARD b) Installment Amortization;
c) Cash Availment Amortization;
d) Overdue Amount; You pay the sum of a, b, c, and d or P200, whichever is
higher.

P300
for each sales slip retrieved for local transactions or
SALES SLIP RETRIEVAL FEE
P500
each for international transactions

LOST CARD REPLACEMENT FEE P400

for each card

GAMBLING OR GAMING FEE 5% of transacted amount or P500 / US$10, whichever is higher

 Application Requirements

FOREIGN EXCHANGE CONVERSION RATE

1% Cross Border Fee (except 0.80% for retail transactions and 0.50% for Cash
Advance for UnionPay) and 1.5% Foreign Exchange Conversion Fee shall be
applied on the converted amount based on the prevailing rate of Mastercard/
Visa/JCB/UnionPay/Diners Club International and BDO respectively at the time
of posting. The Foreign Exchange Conversion Fee is subject to change at the sole
BDO CARDS discretion of BDO.

For foreign currency transactions converted to Philippine Peso at point-of-sale

whether made in or outside the Philippines or online, 1% Cross Border Fee
charged by the Card Brand shall be applied on the converted amount.

For foreign charges converted using the prevailing foreign exchange rate of
American Express at the time of posting, a conversion factor of 2.5% will be
AMERICAN EXPRESS® CARDS applied to the converted amount, of which 1% is retained by American Express.

at rates selected by them.

INSTALLMENT PROCESSING FEE 5% of the total remaining balance or P300, whichever is higher
RETURNED CHECK FEE / P1,250 / US$35
AUTO DEBIT ARRANGEMENT RETURN FEE for each returned check/insufficient ADA account

SOA REPRINT FEE P30 / US$1.00

per SOA request

REFUND FEE 1% of the amount to be refunded or P100 / US$2.50, whichever is higher

OVERSEAS CARD DELIVERY FEE P2,500

1. Finance charges will be imposed at the current interest rate on the unpaid Cash Advance balance (inclusive of fees) from acquisition date until both the Cash Advance balance and its related charges
are paid in full
2. First supplementary credit card is FREE for Life
3. For Gold and Diamond UnionPay Principal Cardholders, Membership Fee is free for the first 3 years
4. Valid only up to six (6) supplementary credit cards. In excess of six (6) supplementary cards, P2,500/year per card. For American Express® Platinum Credit Card, valid only up to five (5)
supplementary cards. In excess of five (5) supplementary cards, P2,500/year per card
5. If Cash Advance is availed through an International ATM, a separate withdrawal fee will be charged and may vary per ATM owner

BDO APPLICATION REQUIREMENTS

1. 21 to 60 years old for PRINCIPAL and at least 13 years old for SUPPLEMENTARY Cardholders
2. Applicant must be a Filipino citizen or a foreigner who is a resident of the Philippines
3. Minimum Gross Monthly Income Requirement:
P 15,000 - Bench, ShopMore and Standard Mastercard, Visa Classic, JCB Lucky Cat Credit Card, Blue from American Express® and Installment Card
P 33,000 - Gold Credit Cards, Diners Club International and American Express® Cashback Credit Card
P 66,000 - American Express® Explorer™ Credit Card
P 77,000 - Titanium Mastercard and Diners Club Premiere Credit Card
P 93,000 - Platinum Mastercard, Visa Platinum, JCB Platinum and Diamond UnionPay
P 139,000 - American Express® Platinum Credit Card

A. PROOF OF IDENTIFICATION FOR BOTH PRIMARY AND B. PROOF OF INCOME

SUPPLEMENTARY APPLICANTS
Employed Applicants
Filipino 1. Photocopy of latest Income Tax Return (ITR) duly stamped as received by the Bureau of Internal
Any valid photo-bearing Government-issued ID* (e.g. Passport, Driver’s License, SSS ID, Revenue (BIR) or BIR Form 2316 signed by employer’s authorized representative
PhilSys ID etc.) (front and back) 2. PLUS any of the following:
* Supplementary applicants who are studying may submit a valid school ID instead. Latest full-month’s payslip/s; Original Certificate of Employment indicating status, service tenure,
and compensation breakdown; or if with existing credit cards, copy of the last two (2) months
Foreigners statement of account of your credit card that is at least 1 year on books
1. Copy of Employment Contract or Certificate of Employment
2. Self-employed Applicants
3. Any one of the following valid documents: Valid VISA and work permit; Alien Certificate of 1. Photocopy of latest Income Tax Return (ITR) duly stamped as received by the Bureau of Internal
Registration (ACR) or Immigrant Certificate of Registration (ICR) or ACR-I; or Valid passport with Revenue (BIR) and Audited Financial Statements for at least two (2) years
any of the following: Special Investors Resident VISA, Special Non-Immigrant VISA for PEZA 2. Photocopy of registration of Business Name: DTI Registration for Single Proprietorship or SEC
investors and employees, or VISA with EO226 Registration for Partnership / Corporation
3. For cash availment / loan amount higher than P1,000,000: Latest 3 months’ bank statements and
General Information Sheet (for Corporation)

REVISED
REVISEDASAS
OF MAY
OF 2022
MAY 2023
 B4 - Trade References

CIF Number
(for internal use)

I. CUSTOMER INFORMATION

Full Name Date of Birth

Last Name First Name Middle Name Suffix (mm/dd/yyyy)

/ /

II. TRADE REFERENCES

Full Name Company Name Contact Number

(ex. Juan Santos) (ex. ABC Company) Provide the most accessible number where your reference can be reached

III. CUSTOMER UNDERTAKING

By signing, I hereby certify that the information in this form is true and correct to the Signature
best of my knowledge. I undertake to advise BDO Group and provide documentation
for any changes to the above information. Date Signed
(mm/dd/yyyy)

/ /

REVISED AS OF MAY 2023

FO