BDO Installment Card

Table of Fees & Charges and Sample Finance Charge Computation

Fees & Charges Principal Supplementary* SAMPLE COMPUTATION

FOR CASH AVAILMENT TRANSACTIONS
Annual Membership Fee P1,000 P500 INSTALLMENT LOAN AMOUNT
MONTHLY ADD-ON RATE
P50,000 INSTALLMENT TERM
1.25% MONTHLY FACTOR RATE
12 months
0.095837
MONTHLY EFFECTIVE INTEREST RATE (MEIR) 2.22% MONTHLY AMORTIZATION P4,791.85
Monthly Effective
Interest Rate (MEIR) 3% Retail and Cash Advance transactions (inclusive of cash advance fee)** MONTH
MONTHLY
AMORTIZATION PRINCIPAL INTEREST TOTAL OUTSTANDING
BALANCE

Term Factor Rate Add-on Effective Interest Jan - - - 57,502.18

Interest Rate/Mo Rate/Annum Feb 4,791.85 3,682.26 1,109.58 52,710.33
6 0.179667192 1.30% 26.27% Mar 4,791.85 3,763.98 1,027.87 47,918.48
Apr 4,791.85 3,847.51 944.34 43,126.63
Cash Availment 12 0.095836960 1.25% 26.63%
May 4,791.85 3,932.89 858.96 38,334.78
Rates 18 0.068058532 1.25% 26.76% Jun 4,791.85 4,020.17 771.68 33,542.94
24 0.054167533 1.25% 26.58% Jul 4,791.85 4,109.38 682.46 28,751.09
36 0.040279967 1.25% 25.98% Aug 4,791.85 4,200.58 591.27 23,959.24
Sep
Cash Advance Fee*** 5% of amount withdrawn or P500, whichever is higher Oct
4,791.85
4,791.85
4,293.80
4,389.08
498.05
402.77
19,167.39
14,375.54
This is the sum of the following: a) 3% of your Outstanding Balance (less Installment Nov 4,791.85 4,486.48 305.37 9,583.70
and/or Cash Availment Amortization, if any); b) Installment Amortization; c) Cash Dec 4,791.85 4,586.05 205.80 4,791.85
Minimum Amount Due Availment Amortization; d) Overdue Amount. You pay the sum of a,b,c and d or Jan 4,791.85 4,687.82 104.03 (0.00)
P200, whichever is higher. Total 50,000 7,502.18
Assumptions:
Late Payment Charge 7% of overdue amount • Cardholder has no beginning balance on his first statement and makes cash availment transaction of P50,000
during the month
• Add-on rate will vary depending on the payment term selected
Returned Check Fee / P1,250 per returned check / insufficient ADA account
• Payment assumption is that the Cardholder will pay the monthly amortization in 12 months

ADA Return Fee SAMPLE FINANCE CHARGE COMPUTATION

Sales Slip Retrieval Fee P300 for each sales slip retrieved for Local transactions or FOR CASH ADVANCE TRANSACTIONS
P500 for each sales slip retrieved for International transactions OPENING BALANCE
CASH ADVANCE TRANSACTION
none
P 10,000
CASH ADVANCE FEE P500
Lost Card Replacement Fee P400 for each card MONTHLY EFFECTIVE INTEREST RATE (MEIR) 3.00%

MONTH DAYS TOTAL INTEREST CASH ADVANCE OUTSTANDING

PAYMENT FEE PRINCIPAL BALANCE
Gambling or Gaming Fee 5% of transacted amount or P500 / US$10, whichever is higher Jan 31 - 294.00 500.00 10,794.00
Assessment fee of 1% plus service fee of 1.5% of the converted amount Feb 28 (1,248.55) 591.24 - 10,136.69
based on the prevailing foreign exchange rate of Mastercard and BDO Mar 31 (1,545.78) 303.42 - 8,894.33
Foreign Exchange Apr 30 (1,257.96) 259.28 - 7,895.65
Conversion Rate respectively at the time of posting. The service fee may be imposed at the
May 31 (1,213.83) 236.27 - 6,918.09
sole discretion of BDO and may be subject to change.
Jun 30 (1,190.81) 200.40 - 5,927.67
Installment Processing Fee**** 5% of the total remaining balance or P300, whichever is higher Jul
Aug
31 (1,154.94)
(1,130.22)
175.67 -
-
4,948.40
3,963.67
31 145.49
SOA Reprint Fee P30 per SOA request Sep 30 (1,100.03) 112.31 - 2,975.95
* For Kabayan Installment Card accounts only Oct 31 (1,066.86) 84.79 - 1,993.88
** 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 balance and its
related charges are paid in full Nov 30 (1,039.33) 53.58 - 1,008.13
*** If transacted at BDO Branches 0ver-The-Counter, a P500 fee will be added to the 5% Cash Advance fee
**** For processing of full payment of outstanding installment balance or Cash Availment balance before end of payment term Dec 31 (1,008.13) 24.20 - 24.20
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. All fees and charges are subject to change upon notice. BDO reserves the right Jan 31 (24.20) - - (0.00)
to re-impose waived fees/charges.
Total (12,980.64) 2,480.64 500.00
IMPORTANT REMINDERS
1. Applicable MEIR will be imposed on the account if: Assumptions:
a. No payment was made on the Card on Payment Due Date, • Cardholder has no beginning balance on his first statement and makes a Cash Advance (CA)
transaction of P10,000 during the month
b. Payment made was less than the Total Outstanding Balance stated in the • Cash Advance Fee is computed as 5% of CA amount or P500 whichever is higher. Interest is computed
on the Cash Advance and Cash Advance fee
Statement of Account (SOA), • Payment assumption is that the Cardholder will pay the CA amount and CA Fee in 12 months as well as
all posted interest charges on or before due date
c. Outstanding Balance is paid in full by its Payment Due Date, but with unsettled balances • EIR for Cash Advance will vary depending on the amount of transaction and number of cash advance
transactions made within the statement cycle
from the previous SOA reflected in the current SOA, or
d. There is a cash advance transaction. NOTE: Applicable MEIR will vary depending on the amount of transaction made within the statement cycle.

To view the complete Terms and Conditions and for the complete definition of Statement of Account terms, visit bdo.com.ph

Choose Your Payment Channels: When making credit card payments, please be reminded of the following:
• BDO Branches • BancNet • To pay at any BDO branch, present your Statement of Account and keep the machine validated copy as
• BDO eBanking* • Save More Market Branches
proof of payment.
• BDO Phone Banking* • SM Bills Payment Counters
• For check payments*, please make the check payable to “BDO Unibank, Inc.”. Indicate the Account Name,
• Auto-Debit Arrangement (ADA) Payment Facility**
Account Number/Card Number and Contact Number at the back of the check.
For Dollar Charge Cards and accounts with Dual Currency feature, USD payments for your Dollar
• Pay at least the Minimum Amount Due on or before your Payment Due Date to avoid late payment
account/s are accepted only via: BDO Branches, BDO eBanking (USD account) and ADA Payment
Facility (USD account). charges.
* Enrollment with BDO is required via bdo.com.ph
** Enrollment via any BDO Branch
* 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.

BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas: Tel. No. (02) 708-7087; Email: consumeraffairs@bsp.gov.ph
The BDO, BDO Unibank, and other BDO-related trademarks are owned by BDO Unibank, Inc. BDO IC: REVISED AS OF JUNE 2019