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CREDI1 CARD

O A small plastic card issued to users as a system of payment. It allows its holder to buy
goods and services based on the holders promise to pay for these goods and services.
The issuer of the card creates a revolving account and grants a line of credit to
the consumer (or the user) from which the user can borrow money for payment to
a merchant or as a cash advance to the user.
O This is defined as 85.60 53.98 mm (3.370 2.125 in) (33/8 21/8 in) in si:e.
O A credit card allows you to pay for purchases or services by borrowing from the credit
card company. You then repay by making monthly payments towards the amount
borrowed. That is, you do not have to repay the whole borrowed amount in full at one go.
O A credit card is different from a charge card. a charge card requires the balance to be
paid in full each month. In contrast, credit cards allow the consumers a continuing
balance of debt, subfect to interest being charged.
O The concept of using a card for purchases was described in 1887 by Edward Bellamy in
his utopian novel Looking Backward. Bellamy used the term credit card eleven times in
this novel.

CREDI1 CARD APPLICA1IOA
Applicant (Soon-to-be Cardholder) Mrs. Tracy Joy M. Juatco
Card-issuing bank BPI

ASIC REQUIREMEA1S:
1. The applicant must be 21 years old with a minimum fixed monthly income (excluding
overtime, commissions or service fees) of P2, for.
O BPI Express Credit Classic
O BPI Blue MasterCard
O BPI WorldPerks MasterCard
O PetronBPI MasterCard
O BPI Edge MasterCard
and P5, for BPI Gold MasterCard.

1. or Supplementary cards, applicants must be at least 13 years old. Supplementary
applicants may be any of the following.
O #elatives of the principal applicant defined as spouse, children, childreninlaw, parents,
parentsinlaw, siblings and siblingsinlaw.
O onrelatives
1. Applicants must have a business or residence contact number.
2. Applicants must completely fillout the online application form.


DOCUMEA1S REQUIRED:
nly applications with the following complete documents will be processed.
Please submit a photocopy of the following.

1. Proof of Identification (front and back of at least one (1) valid ID with picture).
O Passport
O Bureau of Internal #evenue (BI#) ID
O Social Security System (SSS) ID / Government Service Insurance System (GSIS) ID
O Company ID issued by private entities / institutions registered with the Securities and
Exchange Commission(SEC)
O Postal ID
O 'oters ID
O Drivers License
O Philippine #egulatory Commission (P#C) ID
O ational Bureau of Investigation (BI) Clearance
O Police Clearance
O Barangay Certification
O Philhealth Card
O verseas Workers Welfare Administration (WWA) ID
O Senior Citi:en Card
O W ID
O Seamans Book
O Alien Certificate of #egistration/Immigrant Certificate of #egistration
O Government ffice ID

In addition to the above requirements.
A PI WorldPerks MasterCard applicant who is an existing WorldPerks member may submit a
photocopy of any of the following.
O WorldPerks ID
O Latest Emileage summary
O Any WorldPerks membership document that indicates the valid and registered name and
the number in the WorldPerks membership Program

A Aon-Filipino Resident applicant must sbumit his Alien Certificate of #egistration (AC#),
work permit or Embassy Accreditation Papers.


1. Proof of Income
or Employed.
Submit a photocopy of any of the following.
O Certificate of Employment or Contract of Employment (for verseas ilipino Workers)
O Latest payslips
O Latest Income Tax #eturn (IT#) with BI# or bank stamp

or SelfEmployed.
Submit a photocopy of the following.
O Latest Audited inancial Statements (AS) with BI# or bank stamp and,
O Latest Income Tax #eturn (IT#) with BI# or bank stamp

After the all the documents required are passed, a C.I or the Credit Investigation will be next,
means that someone from BPI Bank will call me to verify and confirm some information and
approval is the next step.

PI LUE MAS1ERCARD: 1HE SEASILE CARD
Accepted in over 29 million establishments worldwide, BPI Express Credit Blue MasterCard is
your startup international credit card that gives you up to P2 million #EE Travel Insurance. It
allows you to withdraw cash up to 30 of your credit limit in over 1 million Maestro/Cirrus
ATMs globally.

Annual ee. P 1,550
inancial Charge. 3.4
Annual ee for 1st Supplementary. ree for life
Annual ee for 2nd to 6th Supplementary. P 775

eature.
O Internet Purchasing acility with BPI Express ECredit
BPI Express eCredit is the first virtual credit line exclusively designed for Internet shopping. o
annual fees, BPI ECredit is absolutely #EE with your BPI MasterCard.

O Local and International Acceptance
With your BPI Express Credit Blue MasterCard you can indulge and spend while enfoying the
privileges to the fullesthere and abroad. Enfoy the freedom and luxury to shop, dine or travel
around the world with BPI Express Credit MasterCard which is widely accepted in over 29
million establishments in over 275 countries.

O Cash Advance
Withdraw part of your credit limit as cash, instantly and hasslefree. You can withdraw up to
30 of your BPI Express Credit Blue MasterCards available regular credit limit. Use the cash
advance facility at over 1,300 BPI ATMs nationwide and at over 1 million Cirrusaffiliated
ATMs worldwide.

O Insurance
Your safety and peace of mind is of utmost importance, that is why BPI Express Credit Blue
MasterCard provides you with a P2 Million travel insurance package when you charge your
travel fare to your card.

O #ewards
Shopping can be so rewarding with your BPI Express Credit Blue MasterCard because it allows
you to earn requent User Points every time you use your credit card. Every P35 spent is
equivalent to 1 point.

O Access to BPI Express Phones 24/7 International Tollree Service


OTHER CREDIT CARDS OFFERED BY BPI
BPI CLASSIC: THE BUDGET CARD
BPI Express Credit Classic card is the proprietary card oI The Bank oI the Philippine Islands. It
is the credit card Ior the value-conscious customers, oIIering lower Iinance charge compared to
other credit cards. It is one oI the Iew cards accepted in Ateneo de Manila University and Ateneo
ProIessional Schools. The Classic card is accepted in over 20,000 merchants nationwide. Plus, it
oIIers FREE Travel Insurance package oI up to P2 million when cardholders charge their Iare or
travel package to their Classic card.

Annual Fee: P 1,250
Finance Charge: 2.75
Annual Fee Ior 1st Supplementary: Free Ior liIe
Annual Fee Ior 2nd to 6th Supplementary: P 625

Features:
O BPI Express Credit Classic Card gives you the most value Ior every peso you spend.

O ower Monthly Finance Charge
Because we know you have more important things to pay Ior than interest Iees. BPI Express
Credit Classic gives you savings with lower Iinance charge rate. Also, new purchases are not
charged interest.

O ne oI the Iew credit cards accepted in Ateneo de Manila University and Ateneo
ProIessional Schools.

O Accepted in over 20,000 merchants nationwide.


BPI GOLD MASTERCARD: THE PREMIUM CARD
The BPI Express Credit Gold MasterCard is the card that provides better value with greater
peace oI mind. Cardholders who use their card to purchase their travel tickets enjoy FREE travel
insurance oI up to P10 million.

During emergencies, cardholders can do cash advance oI up to 100 oI their credit limit. Plus,
worldwide 24/7 cardholder assistance Irom MasterCard's 24/7 Global Service Number and BPI
Express Phone's 24/7 International Toll-Free Service .

Annual Fee: P 2,250
Financial Charge: 3.4
Annual Fee Ior 1st Supplementary: Free Ior liIe
Annual Fee Ior 2nd to 6th Supplementary: P 1,125

The BPI Express Credit Gold MasterCard is the ideal travel companion. It is the country's Iirst
card equipped with EMV (Europay, MasterCard, Visa) chip technology to protect you against
inIormation Iraud when used in the 42 EMV-compliant countries in Europe, Middle East and the
Asia PaciIic.

Features:
O Up to P10 Million Travel Insurance and Inconvenience Package
- Travel Accident Insurance Package oI up to P 10M
- Medical Expense Reimbursement oI up to P 50K
- oss oI Baggage Protection worth up to P 50K
- Baggage Delay Protection worth up to P 20K
- Cancelled / Delayed Flight Protection worth up to P 20K
- Personal iability oI up to 100K
- oss oI Travel Documents Protection Actual cost oI lost passport

O Credit Protection and ost Card Insurance

O Access to MasterCard's 24/7 Global Service Numbers which allows you to:
- Access to Account-related InIormation
- ost and Stolen Card Reporting
- Emergency Card Replacement
- Emergency Cash Advance
- Cash Machine ocation InIormation
- Access to MasterCard Travel Assistance
- Insurance and Concierge Services or Enhancement Services
O BPI Express Phone's 24/7 International Toll-Free Service

E-Credit Iacility Ior your limited-risk online shopping
O Superior Gold Values
- ower Ioreign exchange conversion rate
- Cash advance oI up to 100 oI credit limit
- Accepted in over 29 million MasterCard-aIIiliated establishments worldwide
- ower Iinance charge oI only 3.4 per month
- Earn Frequent User points every time you use your BPI Express Credit Gold MasterCard.
Every P35 purchase is equivalent to 1 point.
- Merchant Partners

PETRON-BPI MASTERCARD: THE FULL SERVICE MOTORIST CARD
Petron-BPI MasterCard gives you as much as one Iree Iull tank every year* with its 3 Iuel
rebate. That's P1.50 savings Ior every liter oI Iuel bought! And even in times oI Iluctuating
prices, cardholders can purchase Iuel at previous day's prices with its 24-hour price shield *
Ieature. Plus get a Iree P200 worth oI Iuel Irom Petron when you receive your card!

* Computed based on Petron XCS Plus at P50 per liter and average motorist's consumption oI
40 liters per week.
* Cardholder can claim their 24-hour price shield coupon at any accredited Petron station.
* For Principal Cardholders only

Annual Fee: P 1,550
Annual Fee Ior 1st Supplementary: Free Ior liIe
Annual Fee Ior 2nd to 6th Supplementary: P 775
Finance Charge: 3.4

Features:
Motorist Service Features
O 3 Iuel rebate Iorever on your Petron Iuel purchases at selected participating stations
O Free 24-hour Towing Service and Roadside Assistance care oI IBER ASISTENCIA
- Maximum oI P 3,000 per event, 3 events per year (excess to be shouldered by the
cardholder)
- Minor on-site repair to cover services such as: battery boosting, jumpstart, tire change,
delivery oI gasoline and lockout (cost oI gasoline and spare parts not included)
O 10 discount on ubes & Automotive Services at participating Petron Service Stations
O 24-hour price shield coupon

Rewards and Extras
O FREE P200 worth oI Iuel Irom Petron upon approval oI your Petron-BPI MasterCard (Ior
principal cardholders only)
O Exclusive discounts and privileges Irom car accessory merchants and car dealerships
O Real 0 interest on comprehensive Motor Vehicle Insurance Irom Standard Insurance
Co., Inc.

BPI WORLDPERKS MASTERCARD: THE PURE MILEAGE CARD
Use your BPI Edge MasterCard and get Iabulous discounts at the hippest shops and coolest
clubs. It's your ticket to the cutting-edge liIestyle.

Annual Fee: P 110/ month
Annual Fee Ior 1st Supplementary: Free Ior liIe
Annual Fee Ior 2nd to 6th Supplementary: P 55/ month
Finance Charge: 3.4

Features:
O Connect with an EDGE
With BPI Edge, you can reload a prepaid mobile phone automatically, via SMS or at over 1,300
BPI ATMs nationwide. You also have 24x7 access oI your available credit limit via SMS or
www.bpiexpressonline.com

O Pay with an EDGE
No heIty annual Iee billed upIront! Instead, an easy-on-the-pocket P110.00 monthly membership
Iee is billed. What's more, Iinance charge is only 3.4 regardless oI the cardholder's balance.
And this 3.4 is computed only on the accumulated balance at the end oI the statement cycle
unlike other credit cards that compute interest on new purchases made.

O Shop with an EDGE
et BPI Edge increase your Iun in shopping and dinning by giving you perks and privileges at
BPI Edge partner merchants. This card lets you get discounts at trendy Iashion shops and keeps
you up-to-date with the latest Iashion through exclusive invites to Iashion events. Gimmicks with
Iriends are also made more aIIordable with the discounts and Ireebies you can get by simply
using your BPI Edge.

O Bank with an EDGE
Because it is Irom BPI, you will also enjoy the Ieatures and beneIits that are standard in all BPI
Credit Cards such as: superior inIormation security, 24-hr customer service through 89-100, Iree
1st supplementary cardholder, Irequent user privileges, and two credit limits, one Ior regular
purchases and another Ior special installment plan (SIP). SIP allows you to buy high ticket items
like PDAs, mobile phone, ipod, laptop or Ilat screen TV at a more manageable way.

O Rewards
BPI Edge MasterCard allows you to earn Frequent User Privilege Points every time you use your
credit card. Get 1 point Ior every P50 purchase and use these points to redeem your choice oI
giIt. - Home entertainment, Home appliance, health and beauty, and giIt certiIicates.
- Discounts and Ireebies at partner merchants
- See promo mechanics

O EDGE in MasterCard
n top oI all these, BPI Edge is a MasterCard that gives you capability to use it at over 30
million establishments worldwide and even get cash advances at over 900,000 Maestro/Cirrus
aIIiliated ATMs worldwide. BPI Edge is truly loaded with unsurpassed Ieatures and beneIits and
there will be even more exciting oIIers to come. Cardholders will get their Iirst 12-month
membership Iee waiver.

BPI SKYMILES MASTERCARD
BPI in partnership with Delta Air ines, oIIers two mileage cards that more relevantly respond to
the needs oI the aspiring and Irequent global travelers the BPI SkyMiles MasterCard and the
BPI SkyMiles Platinum MasterCards. Cardholders automatically earn miles as they spend
anywhere using their cards. Every P45.00 spent earns one (1) SkyMiles mile. The more they
shop with their BPI SkyMiles cards, the more miles they earn that they can use to travel to over
900 cities, 160 countries at 6 continents through Delta Air ines and its SkyMiles Airline
partners.

BPI SkyMiles MasterCard
O Receive 1 mile Irom SkyMiles Ior every P45 spent automatically and conveniently. No
need to call or Iax to convert into miles.
O Miles earned are transIerable.
O Share the joy oI travel to your loved ones or Iriends.
O Have the security oI up to P10 million Travel Insurance coverage.
O Enjoy superior inIormation security through EMV chip technology when traveling in the
42 EMV countries.

Annual Fee Ior BPI SkyMiles Regular: P2050.00
Financial Charge: 3.4
Annual Fee Ior 1st Supplementary: Free Ior liIe
Annual Fee Ior 2nd to 6th Supplementary Ior SkyMiles Regular: P1,025.00

BPI SkyMiles Platinum MasterCard
n top oI the BPI SkyMiles MasterCard Ieatures, BPI SkyMiles Platinum cardholders enjoy
access to other travel privileges:
Earn double miles Ior every purchase oI Delta Air ines tickets.
Enjoy pleasant stays at the Delta Sky Club Ior Iree at NAIA.
Have the security oI up to P20 million travel insurance coverage.

Annual Fee Ior BPI SkyMiles Platinum: P5000.00
Financial Charge: 3.4
Annual Fee Ior 1st Supplementary: Free Ior liIe
Annual Fee Ior 2nd to 6th Supplementary Ior SkyMiles Platinum: P2,500.00

BPI E-CREDIT: THE INTERNET SHOPPING CARD
You can use BPI e-CREDIT anytime to buy online, then settle your e-purchases conveniently
with the rest oI your BPI MasterCard bills.

Annual Fee: Free Ior liIe
Annual Fee Ior 1st to 6th Supplementary: Free Ior liIe
Finance Charge: 3.4

Features:
O Convenience
Shop online the conIident and easy way with e-Credit: the Iirst virtual credit line only Irom your
BPI Express Credit MasterCard. Use BPI e-Credit anytime you buy online, then settle your e-
purchases conveniently with the rest oI your BPI Express Credit MasterCard bills.

O Peace oI Mind
Your BPI e-Credit uses a separate number Irom your BPI Express Credit MasterCard, so your
regular card number and credit line won't be compromised. Two leaders, BPI and MasterCard,
make sure oI that!


BPI EXPRESS CREDIT CORPORATE CARD
These are company guaranteed credit cards issued to select employees oI the corporations Ior
business-related expenses such as travel, representation, supplies, etc.

Corporate Classic (For domestic use)
Annual Fee per card: P 1,300
ne Time ED Registration Fee per card: NA
Cash Advance Fee per transaction: 3 oI cash advance amount or P225 whichever is higher
Finance Charges per month: 2.99

Corporate MasterCard (For local and international use)
Annual Fee per card: P 1,700
ne Time ED Registration Fee per card: P 200
Cash Advance Fee per transaction: 3 oI cash advance amount or P225 whichever is higher
Finance Charges per month: 3.4

Features:
O Streamlined expense management
- Eliminates need to provide cash advance
- Facilitates liquidation oI expense
- Makes available an alternative Cash Advance Iacility
- Scheduled Payment oI Expenses EIIicient Cash Management

O Increased control and security
- Minimizes the need to carry large cash during travel
- Allows easy monitoring oI employee's spending
- Pre-set limits per employee

O Payment Convenience via:
- Express ink
- ver-the-counter at any oI the 800 BPI and BPI Family Bank branches nationwide
- Auto-debit Iacility