Cash Card Enrollment Form

Date New No. Old No. (For Replacement) Cash Card CIF No.

Retail Corporate
BDO Branch Company Name

Type of Card Purpose Cardholder Type:

EMV Cash Card - with name EMV Cash Card - without name Personal Use Purchaser / Cardholder
Others: Gift Recipient (Supplementary or Third Party)
Corporate Relationship:
Others: Primary CC #:

Purchaser / Cardholder Information

Birthday Place of Birth Present Address

Permanent Address Contact Number/s (Home) Mobile Number

Nationality Civil Status Mother’s Maiden Name

TIN GSIS/SSS No. Name of Employer/Business

Business Address

Nature of Work/Business Contact Number/s (Work) E-mail Address

Source of Funds ID/s Presented Relationship to Recipient

Recipient Information (If Cash Card is to be given for Supplementary or to a Third Party - to be accomplished by Purchaser)
Name Name to appear on card (not to exceed 26 characters)

Birthday Place of Birth Present Address

Permanent Address Contact Number/s (Home) Mobile Number

Nationality Civil Status Contact Number/s (Work) Nature of Work/Business

E-mail Address Source of Funds

I hereby certify that I have read and agreed to be bound by the Terms and Signature Verified by: Approved by:
Conditions Governing the Issuance and Use of BDO Cash Card as stated
herein.

Signature of Purchaser / Cardholder Over Printed Name Signature Over Printed Name Signature Over Printed Name

Acknowledgement (To be signed upon receipt of BDO Cash Card)

Signature Over Printed Name / Date Signature Over Printed Name / Date Signature Over Printed Name / Date Signature Over Printed Name / Date
 TERMS AND CONDITIONS GOVERNING THE USE AND ISSUANCE OF CASH CARD

1. BDO CASH CARD. BDO Cash Card (“the Cash Card”) is issued by BDO Unibank, Inc. Cash Card is a prepaid, reloadable, 13. TERMINATION/SUSPENSION OF CARD USE
multi-purpose electronic value card, which can be used as a debit card for banking and other lawful transactions, local 13.1. The Cardholder may request BDO to terminate or suspend its use of the Cash Card by calling BDO Customer
and international. Cash Card may be issued to Corporate and Retail clients, may be Pre-Embossed [with no name Contact Center, or by visiting the Branch of Account to make such request. BDO shall, on a best efforts basis and
embossed thereon], or Embossed [with name embossed thereon]. As used hereunder, “Cardholder” shall refer to the to the extent practicable, immediately effect the requested cancellation or termination. The Cardholder shall
named or designated Cardholder of the Cash Card or its/his authorized holder of the Cash Card, when applicable. Cash remain responsible for any transactions made using the Cash Card until the time of the said termination or
Card may only be redeemed at face value. It shall not earn interest nor rewards and other similar incentives convertible suspension.
to cash, nor be purchased at a discount. 13.2. BDO may terminate or suspend the Cardholder’s use of the Cash Card at any time, with or without notice if:
2. INITIAL CASH CARD LOAD. The initial load in the Cash Card shall be at least P100.00. The Cash Card shall neither be a) The Cardholder has breached these Terms and Conditions;
more than the maximum balance specified by the Bank nor be more than the combined reload limit of the cardholder b) BDO learns of the Cardholder’s bankruptcy, insolvency, liquidation, dissolution, death, incapacity, or other
set by BSP per month. BDO reserves the right to impose other amounts as initial/maximum Cash Card load. analogous circumstances, or that the Cardholder committed an act of bankruptcy, insolvency, liquidation,
dissolution or other analogous acts, or that a bankruptcy or insolvency or other analogous petition has been
3. CASH CARD ACTIVATION. The Cash Card is activated upon initial loading or credit of cash thru any of the channels filed against the Cardholder;
referred to under Section 4 hereof. c) If in BDO’s reasonable opinion, the Cash Card is being used for any unlawful or illegal activity or transaction;
4. CASH CARD RELOAD. (a) Cash Card can be reloaded thru any of the following: (i) Over-The-Counter (“OTC”) cash d) BDO considers that there exist other reasonable grounds to do so.
reload to the Cardholder’s designated Cash Card Number at designated BDO branches; (ii) OTC withdrawal from an 13.3. Any and all accrued but unpaid obligations of the Cardholder to BDO prior to termination, and terms and
existing CA/SA of the Cardholder and cash reload to the designated Cash Card Number of the Cardholder; (iii) conditions hereof which by express terms, shall survive the termination of the Cardholder's right to use the Cash
Electronic transfer from the Cardholder’s CA/SA and/or Cash Card using e-Banking; and (iv) such other manner as Card.
may be prescribed by BDO. 14. AMENDMENT. BDO reserves the right to amend the Enrollment Form and Terms and Conditions and any such
5. CASH CARD USAGE/FEES. The Cash Card may be used to (i) purchase items/goods/services at accredited amendment shall be binding upon the Cardholder upon notice (by publication, or other means of communication,
merchants; (ii) withdraw cash thru designated automated teller machines (“ATM”); (iii) receive/transfer value from/to electronic or otherwise).
another Cash Card Number; (iv) balance inquiry; (v) change Cash Card Personal Identification Number (“PIN”) for ATM 15. UNDERTAKING. In case of overcredit, erroneous credit or misposting of any amount to Cardholder’s Cash Card
and POS use, thru ATM; (vi) load/reload value; (vii) pay bills; (viii) purchase prepaid mobile load; and (ix) such other Number as appearing in the records/books of BDO, and for whatever cause such as but not limited to systems error,
uses as may be allowed by BDO. BDO reserves the right to impose fee/s for Cash Card usage in such amount/s as it error in communication facilities, Cardholder hereby agrees and undertakes to immediately return to BDO the
may reasonably determine. overcredit, erroneous credit or misposted amount without need of notice or demand, plus any and all expenses, costs
All Cash Card purchase and/or withdrawal transactions in US Dollars made outside of the Philippines, shall be and damages which BDO may have incurred, including penalty interest at BDO’s then prevailing loan rate based on the
converted into its Philippine Peso equivalent, while purchases and/or withdrawal transactions in third currency shall be amount due, in connection with the enforcement of BDO’s right to recover and collect the overcredit, erroneous credit
converted into US Dollars prior to conversion into their Philippine Peso equivalent. All US Dollar and Philippine Peso or misposted amount. For this purpose, Cardholder irrevocably authorizes BDO/its representatives to immediately
conversions shall be based on the prevailing BDO Foreign Exchange Rate at the time of transaction which shall be freeze or put on hold the affected Account/s and/or effect the debiting of funds in the Cash Card Number to the
deemed as valid and binding upon the Cardholder. Applicable foreign exchange mark-up rate is also applied to cover extent of the overcredit, erroneous credit, or misposted amount, without need of further act and deed, and without
service fee and assessment fees charged by MasterCard. BDO/its representatives incurring any liability as a consequence thereof. This is without prejudice to the exercise by
BDO of its right to enforce full recovery and collection of the overcredit, erroneous credit or misposted amount in case
6. AUTHENTICATION PROCEDURES. The Cardholder agrees to comply with the following authentication procedures:
the Cardholder’s Cash Card Number cannot be debited for any reason such as but not limited to insufficient balance,
6.1 For ATM transactions, insert the Cash Card in the ATM card slot and enter Cash Card PIN for ATM.
as well as the exercise by BDO of other legal remedies to which BDO may be entitled to under the law and this
6.2 For Contactless transactions, Tap only or Tap and enter PIN/Sign (depending on amount)
Agreement, including but not limited to immediate cancellation or suspension of the relevant Cash Card, civil, criminal
6.3 For POS transactions using Cash Card, swipe the Cash Card on the POS terminal and enter Cash Card PIN for ATM
and/or administrative remedies. Pending full recovery or collection by BDO of the overcredit, erroneous credit or
and/or sign transaction slip.
misposted amount, the Cardholder shall hold the said amount in trust for BDO. Failure of Cardholder to account for
6.4 For Online Banking initial transactions, enroll Cash Card number in Online Banking and enter User ID and Password;
and return the overcredit, erroneous credit or misposted amount to BDO shall give rise to a prima facie presumption
for subsequent transactions, enter User ID and Password.
of misappropriation or conversion with intent to defraud, on the part of Cardholder.
6.6 For Phone Banking initial transactions, enroll Cash Card number in Online Banking, and enter telephone PIN
(“TPIN”); for subsequent transactions, enter TPIN. 16. LIMITATION OF LIABILITY. Without prejudice to the provisions of Section 7 and Section 17 hereof, the Cardholder
agrees that BDO’s liability for any loss or damage that the Cardholder may incur under this Agreement or from the use
7. RESPONSIBILITY OF THE CARDHOLDER. The care and safety of the Cash Card is the sole responsibility of the
of the Cash Card shall in no case exceed the amount of P10,000.00 or the actual damage, whichever is lower. Any
Cardholder. The Cardholder hereby agrees to safeguard the Cash Card as if it were cash. The Cardholder agrees to
claim or complaint relative to any Cash Card transaction under the provision of this paragraph, must be presented
comply with the following minimum responsibilities, particularly in respect of the following products and usage:
within ten (10) days from the date of such transaction, otherwise, it shall be deemed irrevocably waived. This provision
7.1. Online Products and Services
shall survive the termination or suspension of the right to use the Cash Card.
a) Secure Login ID and Password or PIN
- Do not disclose Login ID and Password or PIN 17. NON-LIABILITY. BDO shall not be liable for any loss or damage of whatever nature in connection with transactions
- Do not store Login ID and Password or PIN on the computer. involving the Cardholder’s use of the Cash Card, including but not limited to any of the following instances: (i)
- Regularly change password or PIN and avoid using easy-to-guess password such as names or birthdays. disruption, failure or delay relating to or in connection with Cash Card transactions due to circumstances beyond the
Password should be a combination of characters (uppercase and lowercase) and numbers and should be at control of BDO, fortuitous events such as, but not limited to prolonged power outages, breakdown in computers,
least 7 digits in length. peripherals devices and communication facilities, typhoons, floods, public disturbances and calamities and other
b) Keep personal information private similar or related cases; (ii) loss or damage which the Cardholder may suffer arising out of any fraudulent or
- Do not disclose personal information such as address, mother’s maiden name, telephone number, social unauthorized utilization of Cash Card due to theft or unauthorized disclosure of PIN/TPIN/Username/Password or
security number, bank account number or e-mail address unless the one collecting the information is reliable violation of other security measures with or without the Cardholder’s participation and/or arising out of authorized or
and trustworthy. unauthorized use of the Cash Card, and/or loss or damage arising out of card skimming (i.e. illegal copying of
c) Observe internet security measures as follows: information from the magnetic strip of a credit or debit card, like the Cash Card) and/or use of skimmed Cash Card; (iii)
- Check for the right and secure website. inaccurate, incomplete or delayed information received due to disruption or failure of any communication facilities
- Before doing any online transactions or sending personal information, make sure that correct website has used for the Cash Card; (iv) mechanical defect in or malfunction of the electronic device on which the Cash Card is used
been accessed. Beware of bogus or “look alike” websites which are designed to deceive consumers. (i.e., ATM, POS, Dongle, Reader, etc.); the Cash Card not being honored or being declined; any delay in the crediting of
- Check if the website is “secure” by checking the Universal Resource Locators (URLs) which should begin with funds or debiting of payment from the Cash Card due to or by reason of failure and/or malfunction of any mechanical,
“https” and a closed padlock icon on the status bar in the browser is displayed. electronic or other part, component system or network upon which the ATM/branch computer is critically dependent
- To confirm authenticity of the site, double-click on the lock icon to display a security information of the site. for normal and efficient operations; and/or (v) improper, unauthorized use of the Cash Card’s facilities and electronic
- Do not send any personal information particularly password or PIN via ordinary e-mail. devices (i.e., ATM, POS, Dongle, Reader, etc.); or recklessness or accident in connection with the use thereof. Further,
- Do not open other browser windows while banking online. BDO shall not be liable for any indirect, incidental, or consequential loss, loss of profit or damage that the Cardholder
- Avoid using shared or public personal computers in conducting e-banking transactions. may suffer or has suffered by reason of the use or failure or inability to use the Cash Card under the terms of this
- Disable the “file and printer sharing” feature on the operating system if conducting banking transactions online. Agreement. This provision shall survive the termination or suspension of the right to use the Cash Card.
- Contact the banking institution to discuss security concerns and remedies to any online e-banking account 18. AGREEMENT TO TERMS AND CONDITIONS. This Agreement shall be subject to existing policies and procedures of
issues. BDO relative to Cash Card which are deemed incorporated herein by way of reference, and as may be amended or
7.2. Automated Teller Machine (ATM) supplemented by BDO from time to time. The Cardholder hereby agrees that his/her signature on this Enrollment
- Use ATMs that are familiar or that are in well-lit locations where one feels comfortable. If the machine is poorly lit Form and/or the use of the Cash Card, constitutes the Cardholder’s agreement to these terms and conditions as well
or is in a hidden area, use another ATM. as the acceptance of the corresponding risks associated with the use of the Cash Card.
- Have Cash Card ready before approaching the ATM. Avoid having to go through the wallet or purse to find the
card. 19. CASH CARD SERVICE. If the Cardholder is enrolled under a particular BDO Cash Card Service (i.e. payroll, remittance,
- Do not use ATMs that appear to have been tampered with or otherwise altered. Report such condition to the etc.), and for as long as he/she is enrolled as such, the Cardholder agrees to be bound by the terms and conditions of
bank which owns the ATM. the existing Cash Card Service Agreement, in so far as may be applicable. In case of conflict between the provisions of
- Memorize ATM personal identification number (PIN) and never disclose it with anyone. Do not keep those this Terms and Conditions and the Cash Card Service Agreement, the latter shall prevail.
numbers or passwords in the wallet or purse. Never write them on the Cash Card itself. And avoid using easily 20. COMPLIANCE WITH EXISTING LAW/S. The Cardholder hereby warrants that his/her use of the Cash Card,
available personal information like a birthday, nickname, mother’s maiden name or consecutive numbers. specifically, the transfer and/or receipt of funds thru the use of the Cash Card, does not and will not violate the
- Be mindful of “shoulder surfers” when using ATMs. Stand close to the ATM and shield the keypad with hand when applicable provisions of the Anti-Money Laundering Law / its amendment, and other pertinent laws, government rules
keying in the PIN and transaction amount. or regulations. The Cardholder hereby renders BDO free and harmless from any liability whatsoever which may arise
- If the ATM is not working correctly, cancel the transaction and use a different ATM. If possible, report the problem from the Cardholder’s violation of said laws, government rules or regulations.
to the bank which owns the ATM. 21. DISCLOSURE OF INFORMATION. The Cardholder expressly agrees to the disclosure by BDO or its related company,
- Carefully secure Cash Card and cash in the wallet, handbag, or pocket before leaving the ATM. as it deems fit, of any and all information about the Cardholder, his/her Cash Card, and/or his/her Cash Card
- Do not let other people use your card. If Cash Card is lost or stolen, report the incident immediately to BDO transactions, to other companies, financial institutions, any third party, and/or any government regulatory agency,
Customer Contact Center at 631-8000. without BDO or its related company, incurring liability as a consequence thereof.
8. INACTIVE CASH CARD. A Pre-Embossed Cash Card shall automatically be placed in inactive status after a period of 22. NO PDIC COVERAGE. The BDO Cash Card and the value stored therein is not a deposit account and is not insured by
one hundred and eighty (180) days of financial inactivity from the date of its last transaction. While an Embossed Cash Philippine Deposit Insurance Corporation (PDIC).
Card shall automatically be placed in inactive status after a period of three hundred and sixty five (365) days of financial
inactivity from the date of its last transaction. 23. JURISDICTION. The Cardholder (a) consents to any suit, legal action or proceeding arising from or in connection with
this Agreement or any document issued in connection herewith, at the option of BDO, brought in Philippine courts, or
9. ACCREDITED MERCHANTS. BDO has entered into an agreement with accredited Merchants whereby Cash Cards in any courts in any jurisdiction in which the Cardholder and/or any of his/her properties or assets is or may be found
presented by Cardholders for the purchase of goods/services, will be honored by the accredited Merchants at the or located; (b) consents to the bringing of any suit, legal action or proceeding to execute or otherwise to enforce any
normal selling price or cost to cash card customers, without extra percentage or charge to the Cardholder. judgment rendered in any action filed in connection with this Agreement or any document issued in relation thereto, in
10. AUTHORIZED SALES OUTLETS. The Cash Card shall be purchased only from BDO/its branches and BDO accredited the courts of any jurisdiction selected by BDO in which the Cardholder or any of his/her assets or properties may be
partners. Any purchase of Cash Card made from any other person/entity not accredited nor expressly recognized or found or located; (c) waives any objection to the laying of the venue of any such suit, action or proceeding in any such
authorized by BDO, shall be at Cardholder’s own risk. court and any claim that any such suit, action or proceeding has been brought in an inconvenient forum; and (d) agrees
11. LOST/STOLEN CASH CARD. Lost or stolen Cash Card shall be immediately reported by the Cardholder to BDO that final judgment in any such suit, action or proceeding brought in such court shall be conclusive and binding upon
Customer Contact Center 631-8000, subject to submission of Declaration of Loss, presentation of valid ID, and other him/her and may be enforced in Philippine courts or any courts in any jurisdiction in which Cardholder or his/her assets
requirements as may be prescribed by BDO. Pursuant to the sole responsibility of the Cardholder for the care and is or may be found , by a suit upon such judgment.
safety of the Cash Card under Section 7 hereof, all transactions generated by the use of the lost/stolen Cash Card shall 24. GOVERNING LAW. This Agreement shall be governed by and construed in accordance with Philippine laws or the
be deemed conclusively binding upon the Cardholder and BDO will not be liable for any loss or damage incurred by laws in the jurisdiction in which the Cardholder or any of his/her assets may be found or located, at BDO’s option.
the Cardholder. Upon compliance with the requirements of BDO as determined by the latter, and provided that the 25. CARDHOLDER COMPLAINTS. Any complaint regarding the Cash Card or its use, or both, shall be communicated to
lost/stolen Cash Card is not expired at the time it was reported lost/stolen, a new Cash Card will be issued to the BDO Customer Contact Center at email address [email protected] and contact nos. (+632) 631-8000, Domestic
Cardholder and any outstanding balance of the lost/stolen Cash Card may be transferred to the new Cash Card Toll-Free Nos.: 1-800-10-631-8000 (PLDT); 1-800-3-631-8000 (Digitel); 1-800-5-631-8000 (Bayantel);
Number after deducting any fee/s which may be due to BDO. 1-800-8-631-8000 (Globe), and International Toll-Free No.: (Intl. Access Code) + 800-8-6318000. If BDO deems it
12. DAMAGED/DEFECTIVE CASH CARD - BDO shall replace damaged Cash Card (previously used) or defective Cash necessary, BDO will conduct an investigation on the complaint for its prompt resolution and communicate its findings
Card (never used), subject to the surrender of the said Cash Card, and provided that the Cash Card is not expired at the to the Cardholder. The Cardholder agrees to fully cooperate with any such investigation by providing the necessary or
time of surrender. BDO shall issue a replacement Cash Card with value equal to the remaining balance of the required data, information, and documents.
damaged/defective Cash Card after deducting any fee/s which may be due to BDO. Replacement cost of damaged 26. BSP CIRCULAR NO. 649. To the extent applicable, these terms and conditions shall be subject to BSP Circular No. 649
Cash Card shall be charged to the Cardholder, while replacement of defective Cash Card shall be issued at no cost to Series of 2009 which is deemed incorporated herein by reference.
Cardholder.