Program Mechanics Balance Transfer

1. BDO Principal Cardholder (“Principal Cardholder”) can avail of Balance Transfer (“BT”) on Installment on the following (“Other Account Balances”):

- His/Her own Non-BDO Credit Card Balances - His/Her own Personal/Salary Loan Outstanding Balances - His/Her immediate family's1 Non-BDO Credit Card Balances - His/Her immediate family's1 Personal/Salary Loan Outstanding Balances

Provided that the Other Account Balances are issued by a major card issuer and/or bank in the and is/are at least six months old; active and current at the time of application.

2. BT amount per other credit card or personal/salary loan (“Loan Account”) must be: a. At least P5,000 b. Equal or less than the outstanding balance of SOA attachment c. Within assigned credit limit d. For personal/salary loans, amount must be equivalent to the total outstanding balance of the loan account as certified by other banks

3. Only the Principal Cardholder can apply for BT.

3.1. For Principal Cardholder's OWN Loan Accounts

Principal Cardholder's Own Loan Accounts Application Channel Ways to Avail Requirements Branches Apply via over the counter Mail documents to 17th floor BDO 1. BT application form w ith Principal Cardholder signature 2. Latest 1 month Statement of Account (SOA) for non-BDO BDO Corporate Center Corporate Center Ortigas 12 ADB Ave., Ortigas Center, Mandaluyong City 1554 credit card or latest 3 month SOA for non-BDO personal/salary loan & Certificate of Payoff amount Fax Fax to (02) 702 6881 to 82 3. Copy of (2) valid IDs w ith Principal Cardholder signature Email to [email protected] Customer Contact Center Call 631-8000 SMS Send BDOCC INST to 2256 None2 BDO Online Banking Apply via w w w .bdo.com.ph/bt

3.2. For Principal Cardholder's IMMEDIATE FAMILY'S Loan Accounts

Principal Cardholder's Im m ediate Fam ily's Loan Accounts Application Channel Ways to Avail Requirements Mail documents to 17th floor BDO 1. Acceptance of Third Party Balance application form w ith BDO Corporate Center Corporate Center Ortigas 12 ADB Ave., Principal Cardholder signature Ortigas Center, Mandaluyong City 1554 2. Latest 1 month Statement of Account (SOA) for non-BDO Fax Fax to (02) 702 6881 to 82 credit card or latest 3 month SOA for non-BDO personal/salary loan & Certificate of Payoff amount Customer Contact Center Email to [email protected] 3. Copy of (2) valid IDs w ith Principal Cardholder signature SMS Send BDOCC INST to 2256 None2

4. BDO will accept BT from a maximum of two (2) Loan Accounts, but may at its option, allow enrollment of more than two Loan Accounts subject to these program mechanics.

5. Applications with incomplete documentation, incomplete information or without signature will not be processed (where applicable).

6. Principal Cardholder and/or Third Party Debtor must continue to pay the minimum amount due on his/her Loan Account while application is still in process.

7. If approved, BDO will issue a check equal to the approved BT amount and will deposit/pay it directly to the nearest payment center of the other credit card company/ies and/or bank/s.

8. Approved BT applications can no longer be reversed/cancelled.

9. BDO may accommodate Principal Cardholder's request to accelerate the charging of the remaining unbilled monthly amortization/s on the BT Amount but the total remaining balance of the BT amount, after acceleration, must be paid in full. The Principal Cardholder will be charged an Installment Processing Fee of 5% of the total remaining balance of the BT amount, or PhP300, whichever is higher.

1Spouse and relatives within the first degree of consanguity or affinity ( i.e. parents, children, parents-in-law, children-in-law). Collectively referred to as Third Party Debtor. Note: Acceptable non-BDO Personal/Salary Loan account that can be applied for BT are: , China Trust, Citibank, EastWest Bank, HSBC, , PBCOM, PSBank, RCBC, Bank, UCPB. 2Applicable for banks : BPI, Citibank, HSBC, , Standard Chartered Bank, Equicom Savings Bank, HSBC Savings, Bankard Inc, BPI Family, , EastWest Bank, Maybank, PNB, , and Landbank. Banks not part of the listed banks will require: BT Application form w/ Principal Cardholder Signature, Latest 1 month SOA, Copy of 2 valid IDs with Principal Cardholder Signature, and Copy of Credit Card Front Panel. Complete requirements must be sent via fax or email.