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Table of Fees & Charges and Sample Finance Charge Computation

BDO Installment Card

NOTE: Applicable MEIR will vary depending on the amount of transaction made within the statement cycle.BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas with contact number (02) 708-7087 and email address consumera�airs@bsp.gov.ph.

OPENING BALANCECASH ADVANCE TRANSACTIONCASH ADVANCE FEEMONTHLY EFFECTIVE INTEREST RATE (MEIR)

noneP 10,000

P5003.00%

MONTH DAYS TOTAL PAYMENT INTEREST CASH ADVANCE

FEEOUTSTANDING

PRINCIPAL BALANCEJan 31 - -

------------

500.00

500.00

10,500.00Feb 28 (1,333.33) 288.67 9,455.33Mar 31 (1,122.00) 285.26 8,618.59Apr 30 (1,118.59) 251.85 7,751.85May 31 (1,085.18) 232.71 6,899.38Jun 30 (1,066.04) 200.59 6,033.92Jul 31 (1,033.92) 179.81 5,179.81

Aug 31 (1,013.15) 153.48 4,320.15Sep 30 (986.82) 123.68 3,457.02Oct 31 (957.02) 100.47 2,600.47Nov 30 (933.80) 72.41 1,739.08Dec 31 (905.74) 47.57 880.90Jan 31 (880.90) -Total (12,436.50) 1,936.50

(0.00)

Cardholder has no beginning balance on his first statement and makes a Cash Advance (CA) transaction of P10,000 during the monthCash Advance Fee is computed as 5% of CA amount or P500 whichever is higherPayment 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)EIR for Cash Advance will vary depending on the amount of transaction and number of cash advance transactions made within the statement cycle

Assumptions:•

••

•

SAMPLE FINANCE CHARGE COMPUTATION FOR CASH ADVANCE TRANSACTIONS

NOTE: Applicable MEIR will vary depending on the following: 1) Amount of transaction made within the statement cycle.BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas with contact number (02) 708-7087 and email address consumera�airs@bsp.gov.ph.

OPENING BALANCERETAIL TRANSACTIONMONTHLY EFFECTIVE INTEREST RATE (MEIR)

noneP 10,000

3.00%*

MONTH DAYS TOTAL PAYMENT INTEREST OUTSTANDING

PRINCIPAL BALANCEJan 31 - - 10,000.00Feb 28 (833.33) 276.67 9,443.33Mar 31 (1,110.00) 284.97 8,618.31Apr 30 (1,118.31) 251.84 7,751.84May 31 (1,085.17) 232.71 6,899.38Jun 30 (1,066.04) 200.59 6,033.92Jul 31 (1,033.92) 179.81 5,179.81Aug 31 (1,013.15) 153.48 4,320.15Sep 30 (986.82) 123.68 3,457.02Oct 31 (957.02) 100.47 2,600.47Nov 30 (933.80) 72.41 1,739.08Dec 31 (905.74) 47.57 880.90Jan 31 (880.90) -

Total (11,924.21) 1,924.21(0.00)

Cardholder has no beginning balance on his first statement and makes retail transactions of P10,000 during the monthPayment assumption is that the Cardholder will pay the principal amount in 12 months and pay as well all posted interest charges every statement cycle on his/her due date (every 25th of the month)

Assumptions:•

•

SAMPLE FINANCE CHARGE COMPUTATION FOR RETAIL TRANSACTIONS

Fees & Charges Annual Membership Fee

Interest Rate (MEIR) Monthly E�ective

Cash Advance Fee** 5% of amount withdrawn or P500, whichever is higher

7% of overdue amount

Cash AvailmentRates

Minimum Amount Due

Late Payment ChargeReturned Check Fee / ADA Return Fee

Sales Slip Retrieval Fee

Lost Card Replacement Fee

Foreign Exchange Conversion Rate

Installment Processing Fee***

3%P1,000

P1,250 per returned check / insu�cient ADA account

P300

for each sales slip retrieved for Local transactions or P500 for each sales slip retrieved for International transactionsP400 for each card

5% of the total remaining balance or

BDO IC: REVISED AS OF NOVEMBER 2017

P300, whichever is higherSOA Reprint Fee P30 per SOA request

For Kabayan Installment Card accounts onlyMEIR for Cash Advance will vary depending on the amount of transaction made within the statement cycle. If you don’t pay the full amount, it will incur additional charges on the next cycle date; if transacted at BDO Branches 0ver-The-Counter, a P500 OTC fee will be added to the 5% of amount withdrawnFor processing of full payment of outstanding Cash Availment balance before end of payment term

***

***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 Installment Card, the latter shall prevail.

Principal

Term6 0.179667192 1.30% 26.27%12 0.095836960 1.25%

1.25%26.63%

18 0.068058532 26.76%1.25%24 0.054167533 26.58%1.25%36 0.040279967 25.98%

Factor Rate Add-onInterest Rate/Mo

E�ective InterestRate/Annum

This is the sum of the following: a) 3% of your Outstanding Balance (less Installment and/or Cash Availment Amortization, if any); 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.

Assessment fee of 1% plus service fee of 1.5% of the converted amount based on the prevailing foreign exchange rate of Mastercard 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.

IMPORTANT REMINDERS1. Applicable MEIR will be imposed on the account on the next cut o� date if: a. No payment was made on the Card on Payment Due Date, or b. Payment made was less than the Total Outstanding Balance stated in the Statement of Account (SOA)2. Cardholders are encouraged to call BDO Customer Contact Center from time to time to check his/her available Credit Limit to avoid declined transactions or other inconveniences.

P500Supplementary*

For complete definition of Statement of Account terms, visit www.bdo.com.ph