PAYMENT INSTRUCTIONS

1. Present this statement when paying at any BDO Unibank, Inc. branch counters. The machine validation will serve as your proof of
payment.
2. Please pay the Amount Due/Minimum Amount Due as indicated in this statement on or before your Payment Due Date to avoid
late payment charges.
3. For check payments*, please make checks payable to BDO Unibank, Inc.. Indicate the following at the back of the check:
a) Account Name, b) Account Number / Card Number and c) Contact Number
4. Payment** Options:
BDO Branches ADA Payment Facility***
BDO eBanking*** SM Bills Payment Counters
BDO Phone Banking*** Save More Market Branches
BancNet / Megalink
* Normal banking regulations on the acceptance and clearing or collection of check payments apply. Post dated checks and foreign checks drawn on banks
outside the Philippines are not accepted as payments.
** For Dollar Charge Cards and accounts with Dual Currency feature, USD payments for your Dollar account/s are accepted via: BDO Branches, BDO eBanking
(USD account) and ADA Payment Facility (USD account).
*** Enrollment with BDO is required via www.bdo.com.ph.

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Fees & Charges MasterCard MasterCard / Visa / MasterCard,
JCB Lucky Cat Visa, JCB, UnionPay
Principal Card Annual P75* / P900** P1,500 P2,400
Membership Fee
Supplementary Annual
Membership Fee P50* / P600** P750 P1,200
Monthly Effective
3.50% Peso: 3.25% / Peso: 3.00% /
Interest Rate (MEIR) Dollar: 2.50%*** Dollar: 2.50%***
5% or P300, Peso: 5% or P300, whichever is higher
Cash Advance Fee****
whichever is higher Dollar***: 5% or US$6, whichever is higher
This is the sum of the following a) 3% of your Outstanding
Balance (less Installment Amortization, if any); b) Installment
Minimum Amount Due Amortization; c) Overdue Amount; d) Over-limit Amount.
You pay the sum of a,b,c and d or P200 or US$5 for Dollar
transactions, whichever is higher.

Peso: 5% of the Overdue Amount or P300, whichever is higher;

Late Payment Fee Dollar***: 4.5% of the Overdue Amount or US$6, whichever is
higher

Returned Check Fee / P500 or US$25

ADA Return Fee

Sales Slip P250 for each sales slip retrieved for Local transactions or
Retrieval Fee P450 for each sales slip retrieved for International transactions***

Lost Card
Replacement Fee P400 for each card

Assessment fee of 1% plus service fee of 1% of the converted

Foreign Exchange amount based on the prevailing foreign exchange rate of
Conversion Rate MasterCard/Visa/JCB/UnionPay and BDO respectively at the time
of posting. The service fee may be imposed at the sole discretion
of BDO and may be subject to change.

Installment
Acceleration Fee 5% of the total remaining balance or P300, whichever is higher
* Monthly Membership Fee
** Applicable to select products only.
*** Applicable only to MasterCard, Visa and UnionPay
****
amount, it will incur additional charges on the next cycle date.

Note: Interest rates are determined by BDO and are subject to change in accordance with prevailing market rates. In case of conflict between the provisions of
these reminders and the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards, the latter shall prevail.

BDO - OMNI 03/2015

 SAMPLE FINANCE CHARGE COMPUTATION FOR RETAIL TRANSACTION
OPENING BALANCE none
RETAIL TRANSACTION P 10,000
MONTHLY EFFECTIVE INTEREST RATE (MEIR) 3.50%*
OUTSTANDING PRINCIPAL
MONTH DAYS TOTAL PAYMENT INTEREST BALANCE
Jan 31 - - 10,000.00
Feb 28 (833.33) 318.36 9,485.02
Mar 31 (1,151.69) 329.07 8,662.40
Apr 30 (1,162.40) 291.01 7,791.01
May 31 (1,124.34) 268.86 6,935.53
Jun 30 (1,102.19) 231.81 6,065.14
Jul 31 (1,065.14) 207.77 5,207.77
Aug 31 (1,041.10) 177.38 4,344.05
Sep 30 (1,010.72) 142.98 3,476.31
Oct 31 (976.31) 116.14 2,616.14
Nov 30 (949.47) 83.76 1,750.42
Dec 31 (917.09) 55.05 888.39
Jan 31 (888.39) - (0.00)
Assumptions:
Cardholder has no beginning balance on his first statement and makes retail transactions of P10,000 during the month
Payment assumption is that the Cardholder will pay the principal amount in 12 months and pay as well as all posted interest charges
every statement cycle on his/her due date (every 25th of the month)
SAMPLE FINANCE CHARGE COMPUTATION FOR CASH ADVANCE TRANSACTION
OPENING BALANCE none
CASH ADVANCE TRANSACTION P 10,000
CASH ADVANCE FEE P500
MONTHLY EFFECTIVE INTEREST RATE (MEIR) 3.50%*
MONTH DAYS TOTAL PAYMENT INTEREST CASH ADVANCE OUTSTANDING PRINCIPAL
FEE BALANCE
Jan 31 - - 500.00 10,500.00
Feb 28 (1,333.33) 332.16 - 9,498.83
Mar 31 (1,165.50) 329.45 - 8,662.78
Apr 30 (1,162.78) 291.02 - 7,791.02
May 31 (1,124.35) 268.86 - 6,935.53
Jun 30 (1,102.19) 231.81 - 6,065.14
Jul 31 (1,065.14) 207.77 - 5,207.77
Aug 31 (1,041.10) 177.38 - 4,344.05
Sep 30 (1,010.72) 142.98 - 3,476.31
Oct 31 (976.31) 116.14 - 2,616.14
Nov 30 (949.47) 83.76 - 1,750.42
Dec 31 (917.09) 55.05 - 888.39
Jan 31 (888.39) - - (0.00)
Assumptions:
Cardholder has no beginning balance on his first statement and makes a Cash Advance (CA) transaction of P10,000 during the month
Cash Advance Fee is computed as 5% of CA amount or P300 whichever is higher
Payment assumption is that the Cardholder will pay the CA amount and CA Fee in 12 months as well as all posted interest charges
every statement cycle on his/her due date (every 25th of the month)
NOTICE: Applicable MEIR will vary depending on the following: 1) Amount of transaction made within the statement cycle;
2) Depending on the Credit Card product*.

UNDERSTANDING YOUR MONTHLY BILLING STATEMENT

STATEMENT DATE
This is the regular statement cut-off date of all your BDO Credit Card
transactions. If your statement date falls on a Friday, Saturday or a
Holiday, your statement date will be the preceding day or the
following day after your official statement date.
PAYMENT DUE DATE
Payment should be made on or before the Payment Due Date
indicated in your MBS to keep your account active and to avoid late
payment charges. If your Payment Due Date falls on a Saturday,
Sunday or a National Holiday, payment due date is automatically
moved to the next business day.
OUTSTANDING BALANCE
This is your total outstanding obligation to BDO as of Statement
Date.
OVERDUE AMOUNT
This refers to the unpaid balance of the Minimum Payment Due
after Payment Due Date.
SALE DATE
This refers to the transaction date of a purchase or a cash
advance.
POST DATE
This refers to the date when your purchase, cash advance,
payment, or adjustment is posted to your account.
ERRORS OR QUESTIONS ABOUT YOUR BILL
Please examine your MBS for any errors. If no error is reported to
the BDO Customer Contact Center within 30 days from
Statement Date, the MBS will be considered true and accurate
and binding upon you.
For complete definition of terms visit www.bdo.com.ph

FOR LOST OR STOLEN CREDIT CARD OR FOR OTHER ASSISTANCE, CALL US AT:
631-8000 Within Metro Manila 1-800-5-6318000 Domestic Toll-Free (Bayantel)
1-800-10-6318000 Domestic Toll-Free (PLDT) 1-800-8-6318000 Domestic Toll-Free (Globe)
1-800-3-6318000 Domestic Toll-Free (Digitel) (IAC) +800-8-6318000 Outside the Philippines

BDO-OMNI 03/2015