A1 - Customer Information

CIF Number Account Owner

(for internal use)
Business Owner / Officer / Signatory

I. CUSTOMER INFORMATION

Full Name (As found in your valid government issued ID) 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 customers only need to fill in 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 / No. Block. Street Subdivision / Village / Barangay

City / Municipality Province / State Country Zip Code

Please Select

Alternate Address (Do you have another home or address, including abroad? If ‘Yes’, provide below. If ‘No’, tick ‘Same as Home Address’) Same as Home Address
Unit No. Building / No. Block. 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 / No. Block. 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 If a ‘Source of Funds’ is ‘Remittance’ or ‘004’, provide the following additional information:
Provide all applicable ‘Codes.’ (ex. 001, 002, 003) What country does the remittance come from? What do you primarily use the remittance for?
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)
BDOL-01-1 (42023)

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

For Government Employed Elected / Appointee Employee Contractual / Part Time

 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 official of a government in any Yes No
country, territory, or of an intergovernmental/international organization? 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 the ‘Substantial Yes No
Presence Test’? If ‘Yes’, accomplish ‘Form A7’
Designated Non-Financial Business and Professions (DNFBPs) Questionnaire (Refer to ‘Instructions’ for details on ‘DNFBPs’ and ‘OGBs’)
Does your work / business fall under the classification of a DNFBP? If ‘Yes’, accomplish ‘Form A8’ Yes No
Does your work/business provide service, process transactions, have transactions or related interests / relationships with any
business or service provider in the online gaming industry? If ‘Yes’, accomplish ‘Form A8’ Yes No

Beneficial Ownership
Yes No
Are you opening this account on behalf of someone else?

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
[Link] to process, collect, store, my personal information or sensitive personal information 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 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.
Signature
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 of the BDO Group’s Data Protection Officer through the email address found at [[Link]
privacy-statement]. I further acknowledge and understand that I may access and view the BDO Group’s Data Privacy Statement at
[[Link] or obtain a copy thereof from the office or branch of the relevant member of the BDO
Group.

VII. CONSENT FOR THE ISSUANCE OF A BDO CREDIT CARD

Signature
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 necessary by BDO. I authorize BDO to conduct random verification with government agencies or third parties to
establish authenticity of the information declared and/or documents submitted and hereby waive confidentiality of the rules and
laws as applicable. I understand that the issuance 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 and updates (if any) 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 ATM Debit Card Terms and Conditions, the Terms and Conditions of BDO Biometrics, and other BDO Group Signature
product(s) and services Terms and Conditions (the “BDO Terms and Conditions”). I have also fully understood and agreed to be
governed by the rules and regulations of the relevant government agencies and self-regulatory organizations in accordance with
applicable laws with respect to my account(s) and/or availment of any BDO or BDO Group products and services.
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 the relevant member of the BDO Group. I further declare that I have fully understood and
agree to be governed by the BDO Terms and Conditions governing the BDO and BDO Group product(s) and services I am availing.
I also acknowledge that the BDO Terms and Conditions were made available to me upon availment of the BDO and BDO Group
product(s) and services and where copies were given upon request and posted in BDO’s website at [Link] and/or the relevant
BDO Group website. I agree that any member of the BDO Group may make amendments to the BDO Terms and Conditions by giving Date Signed
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 (mm/dd/yyyy) / /
other manner BDO deems fit.

For inquiries and concerns, please call our BDO Contact Center at (+632) 8888-0000.
BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas. [Link] REVISED AS OF FEBRUARY 2024
The BDO Unibank and other BDO-related marks are registered trademarks of BDO Unibank, Inc. All rights reserved.

Other Official Name / Alias (As found on and as supported by a valid government-issued ID or document)
Last Name First Name Middle Name Suffix

Account Number Date Opened Residency Biometrics RC NLDS

(mm/dd/yyyy)
Resident Face N
/ /
FOR INTERNAL USE ONLY

Non-resident Finger H

ID 1 ID 2
Type of ID ID Number Date Issued Expiry Date Type of ID ID Number Date Issued Expiry Date

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

Name and Signature Name and Signature

Courtesy Call / Remarks

 Instruction Sheet

GENER A L IN STRU C TIO NS

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.

SOURC E OF FU N DS
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 Remittances 008 Inheritance 012 Other Sources (Lottery, Donations, Tax
Refunds, and Insurance/Legal Claims)

N AT URE O F W O R K / BU SI 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 Robotics / AI / Cloud / Data Engineering / Software
ADV Advertising / Marketing Development / Cybersecurity
SVC Other Professional Services / Consultancy / Coaching Manufacturing
Finance and Insurance MFG Manufacturing / Packaging
PWN Pawnshop MFF Manufacturing / Trading of Firearms and Ammunition
LDG Lending Dealerships, Trading, Selling and Repair Services
MSE Money Service Business - Electronic Money Issuer ART Art / Antiques Dealership
MSV Money Service Business - Virtual Currency Exchange CAR Car / Boat / Plane Dealership
MSR Money Service Business - Remittance Transfer Company JEW Jewelry / Precious Metals / Precious Stones Dealership
MSF Money Service Business - Foreign Exchange Dealer / Money WRT Wholesale / Retail Trade (Distribution & Sales) / E-Commerce
Changer / Online Selling
BAN Banking REP Repair Services
INS Insurance
SBD Securities Broker / Dealer Transportation and Storage
TRN Transportation (Land, Sea and Air)
Construction and Civil Engineering SHI Shipping / Cargo / Storage
CON Construction and Civil Engineering SEA Seaman / Seafarer
Real Estate Brokerage and Sales Agriculture, Forestry, and Fishing
REL Real Estate Brokerage and Sales AGR Agriculture / Fishing
Media, Arts, Sports and Recreation FOR Forestry
MED Media Mining and Quarrying
ENT Arts / Entertainment / Recreation MIN Mining / Quarrying
SPO Sports / eSports
GAM Gambling / Casino / eGames Electricity, Oil and Gas
UTL Electric Utilities
Healthcare and Social Work OIL Oil / Gasoline
HEA Healthcare (Doctor, Dentist, Nurse, Psychiatrist and others)
SOC Social Work / Non-Government and Non-Profit Water Supply, Sewerage and Waste Management
Organizations WAT Water Supply / Sewerage / Waste Management

Education Public Administration and Peace and Order

EDU Education / Online Education MIL Peace and Order (Military, Police, Fireman, Jail Warden and
Others)
Accommodation and Food Services PAD Public Administration / Government
AFS Hotel / Accommodation / Restaurant / Food Services
Embassises and Diplomatic Services
Administrative and Other Support Service Activities EMB Embassies / Diplomatic Services / Attached Offices
TRA Travel / Travel Agencies
AGY Employment Agency / Human Resources Other Service Activities
BPO Business Process Outsourcing OTS Other Service Activities (Hairdresser, Manicurist, Masseuse
and others)
SEC Security Agency / Services
RLG Religious Organization
Private Household and Household Staff
Special Nature of Work / Business
HOU Private Household / Household Employee / Household Staff
DFP Designated Non Financial Business And Professions (DNFBP)1
OGB Direct OGB / POGO Licensee and Authorized Gaming Agent2
OGI Indirect OGB / POGO Allied Service Provider
 Instruction Sheet

NOT ES ON N ATU RE OF W O R K / BUSI NE SS

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 Operators (POGOs) such as Customer
Relations, Strategic Support, Information Technology, Gaming Software Platforms, and Live Studio and Streaming Providers.
Business Process Outsourcing Providers (BPOs) that are servicing legitimately licensed gaming operators abroad and do not in any way handle
betting but purely product marketing and customer relations and are not servicing any of PAGCOR POGO licensees and have at least 90% Filipino
workforce are also classified as having an ‘Indirect Engagement’ in Online Gaming.

ON T H E FO REIG N ACCOUNT TA X CO M PLI A NCE AC T ( FATC A ) A N D ‘S U BS TA N T I A L PR E SE N C E T E S T ’

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 FEBRUARY 2024

 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
[Link]/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 provided in this Form B1-B2. I understand that BDO can rely on the authority given under this section unless
integral part hereof, my Conforme in Form A1-A2 is deemed repeated for purposes of my application in this Form otherwise revoked by me. I agree that in case I am issued by two or more BDO Credit Cards, BDO may give a separate
B1-B2, and that the representations, warranties, and undertakings under this Form B1-B2 shall be in addition to those credit card limit for each of the Cards issued to me or a consolidated Shared Credit Card Limit for my existing and
provided in Form A1-A2. 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, except BDO Installment Card. Furthermore, I understand
I certify that all information and documents given by me in this Form B1-B2 and in Form A1-A2 are true and correct. and agree that a portion of my principal card limit is shared with my Virtual Card. Any request for increase in Credit
I authorize the relevant Consumer Banking Unit/s to update or cause the updating of the information in Form A1-A2 Limit may be accommodated by BDO subject to the submission of required documents.
based on the information or documents provided by me. I understand that non-disclosure and/or falsification of
information and documents herein required shall be grounds for the disapproval of my application, immediate When a Supplementary Card is requested and subsequently issued by BDO, the signature of the Supplementary
termination of my credit card privileges once approved, a default of my Personal Loan and/or legal action against Cardholder signifies his/her agreement to jointly and solidarily liable with the Principal Cardholder for all obligations
me. and liabilities incurred with the use of the BDO Credit Card including the issued Supplementary Card.

I authorize BDO to obtain relevant information as it may require concerning my application under this Form B1-B2 Pursuant to the BDO Personal Loan I applied for, I understand that BDO shall require me to sign and submit
from other institutions/persons. All information obtained by or provided to BDO pursuant to this application shall be documents in the event my BDO Personal Loan is approved. In case BDO allows the documents to be scanned and
BDO’s property whether or not the credit card/Personal Loan is granted. submitted via email, I agree that the digital or electronic signature in any and all documents shall be as valid as my
original signature, shall have the same force and effect as manual signature, and shall be effective to bind me to the
I agree that my application under this Form B1-B2 shall be subject to applicable laws (including BSP circulars, rules, approved BDO Personal Loan. I agree that any digitally or electronically signed document shall be deemed (i) to be
and regulations), and policies of BDO and undertake to comply with/submit all the loan requirements. I recognize “written” or “in writing,” (ii) to have been signed and (iii) to constitute a record established and maintained in the
that BDO is committed to ensuring the confidentiality of my information under R.A. No. 1405 (Bank Secrecy Law of ordinary course of business and an original written record when printed from electronic files. Such paper copies or
1955) as amended, R.A. No. 8971 (General Banking Law of 2000) as amended, and R.A. No. 6426 (The Foreign “printouts,” if introduced as evidence in any judicial, arbitral, mediation or administrative proceeding, will be
Currency Deposit Act), and will exert reasonable efforts to protect against unauthorized use or disclosure. However, admissible against me to the same extent and under the same conditions as other original business records created
I understand that my information and information regarding my deposit account/s with BDO may be inquired to, or and maintained in the documentary form. I will not contest the admissibility of true and accurate copies of digitally
disclosed, in relation to the evaluation of my application under this Form B1-B2, as may be required by applicable or electronically signed documents on the basis of the best evidence rule. For purposes hereof, “digital signature” and
rules and laws, and/or to ensure a successful debit under an Auto-Debit Payment Arrangement. I further authorize “electronic signature” shall have the meanings ascribed to them under the Philippine Supreme Court Rules on
BDO to: (a) pursuant to BSP Circular No. 472 Series of 2005 as implemented by BIR Revenue Regulation RR-4 2005, Electronic Evidence (A.M. No. 01-7-01-SC dated July 17, 2001) and the Philippine Electronic Commerce Act of 2000
conduct random verification with the Bureau of Internal Revenue, to establish authenticity of the ITR, accompanying (R.A. 8792), including amendment.
financial statements and such other documents/information/data submitted by me; (b) conduct checking with
other governmental entities and third parties including banks and financial institutions to verify In case of disapproval of my application under this Form B1-B2, I understand that BDO is under no obligation to
documents/information/date submitted by me; and (c) to request information regarding the status of any court case disclose the reason/s for such disapproval.
to which I may be a party.
BDO is hereby authorized to send me notices and information regarding the status of my application under this
For BDO Credit Card application, by signing below, I further confirm that I have accessed, read, and understood the Form B1-B2, including details concerning my approved/availed facility/loan via email, as well as broadcast
Terms and Conditions and Table of Fees and Charges applicable to the BDO Credit Card I applied for as found in messaging service, multi-media messaging service, and/or short messaging service as these terms are defined in the
[Link]/info/cards-and-personal-loans. I acknowledge that BDO may issue a card type different from my card regulations of the National Telecommunications Commission (NTC).
preference based on the evaluation of my application, as the case may be. If my application is approved, I
acknowledge that by signing below and/or at 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 approved Credit Card.
Signature
As the principal applicant, I agree that my application under this Form B1-B2 shall also serve as my application for Date Signed
(mm/dd/yyyy)
issuance of 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
 B2 - Regulations and Agreements

REVISED AS OF MAY 2022

For inquiries and concerns, please call our BDO Contact Center at (+632) 8888-0000.
BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas. [Link] REVISED AS OF MAY 2023
The BDO Unibank and other BDO-related marks are registered trademarks of BDO Unibank, Inc. All rights reserved.
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
The Platinum Card® by American Express US$750/year Free for life4 N/A

P200 for every approved Cash Installment transaction5

P250 for every approved Balance Transfer transaction5

INSTALLMENT AVAILMENT FEE P250 for every approved Balance Convert Peso transaction or

US$10 for every approved Balance Convert Dollar transaction

P100 for every approved Purchase Convert Peso transaction or

US$5 for every approved Purchase Convert Dollar transaction

CASH ADVANCE FEE6 P200 / US$3.50

P850 / US$20
or unpaid minimum amount due, whichever is lower
LATE PAYMENT CHARGE
US$20 or 7%
of unpaid amount, whichever is lower7

MINIMUM AMOUNT DUE

The sum of the following:

a) 3% of the outstanding balance less Installment amortizations, over-limit
amount and new transactions posted within the current statement period8, or
BDO AND AMERICAN EXPRESS® CARDS5 P850 / US$17, whichever is higher;
b) 3% of Installment Amortization
c) Overdue Amount; and
d) Over-limit Amount

The sum of the following:

a) 3% of the outstanding balance (less Installment, Cash Installment
Amortizations and over-limit amount, if any) or P850, whichever is higher
INSTALLMENT CARD
b) Installment Amortization
c) Cash Installment Amortization
d) Overdue Amount
e) Over-limit Amount
 Credit Cards Fees and Charges

P300
for each sales slip retrieved for local transactions or

SALES SLIP RETRIEVAL FEE

P500
each for international transactions

US$10
for each sales slip retrieved7

P400
for each card
LOST CARD REPLACEMENT FEE
US$10
for each card7

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

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 or charged in

Philippine Peso by a foreign acquirer 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 or billed Philippine Peso amount accordingly.

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.
Any charges converted by third parties prior submission to BDO are at rates
selected by them.

All transactions made in foreign currency other than US Dollars will be

converted to US Dollars by American Express. A foreign currency factor of
THE PLATINUM CARD® BY AMERICAN EXPRESS 2.5% will be applied to the converted US Dollar amounts, of which 1% is
retained by American Express.

5% of the total remaining balance or P300 for PHP-denominated transactions

INSTALLMENT PROCESSING FEE or
US$10 for USD-denominated transactions, 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
5
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 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. For The Platinum Card® by American Express, valid only for the first four (4) supplementary cards.
5. Not applicable to The Platinum Card by American Express
6. If Cash Advance is availed through an International ATM, a separate withdrawal fee will be charged and may vary per ATM owner
7. Applicable to The Platinum Card by American Express
8. The new transactions posted within the current statement period will not be deducted from the computation of the 3% of the Outstanding Balance in case the Credit Card account is in
past due status or has an over-limit amount.

For inquiries and concerns, please call our BDO Contact Center at (+632) 8888-0000.
BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas. [Link] REVISED AS OF MARCH 2024
The BDO Unibank and other BDO-related marks are registered trademarks of BDO Unibank, Inc. All rights reserved.
 Application Requirements

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 - Platinum Mastercard, Visa Platinum, JCB Platinum and Diners Club Premiere Credit Card
P 93,000 - Diamond UnionPay
P 139,000 - American Express® Platinum Credit Card
By Invitation Only - The Platinum Card® by American Express

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 identification document* (front and back): Government-issued ID Revenue (BIR) or BIR Form 2316 signed by employer’s authorized representative
(e.g. Philippine Identification System or Philsys ID, Passport, Driver’s License, SSS ID, etc.) 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 Installment / Loan Amount higher than P1,000,000: Latest 3 months’ bank
statements and General Information Sheet (for Corporation)

For inquiries and concerns, please call our BDO Contact Center at (+632) 8888-0000.
BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas. [Link] REVISED
REVISEDAS
ASOF
OFMAY 20222024
MARCH
The BDO Unibank and other BDO-related marks are registered trademarks of BDO Unibank, Inc. All rights reserved.