CUSTOMER INFORMATION SHEET 5.

RELEVANT PREPAID YAZZ FEES

ACTIVATION CODE Ardeur Starter Pack

Card plastic with welcome kit
Php 300

Loading Service Fee

Loading via Ardeur Branch Sales Offices (BSOs), MCC partner retail establishments, MCC General Purpose Prepaid Card
COMPLETE NAME to another MCC General Purpose Prepaid Card belonging to a different individual, ATM and Online Banking Channels Php 20 per transaction
FIRST NAME MIDDLE NAME LAST NAME Note: No loading service fee shall be charged for load transferred between a MCC General Purpose Prepaid Card
registered under the same card member.

PLACE OF BIRTH DATE OF BIRTH GENDER M F ATM Withdrawal Fee

Php 20 per transaction
Fee is on top of other bank charges
M M D D Y Y ATM Balance Inquiry Fee
Php 5 per inquiry
Fee is on top of other bank charges
NATIONALITY MARITAL STATUS HOME/OFFICE LANDLINE
Monthly Inactive Fee Php 25 per month starting on the 7th month of NO financial activity

Foreign Exchange / Conversion fee as determined by VISA International

Overseas Transaction Fee
Plus: Administration cost equivalent to 2.50% of transaction amount
MOBILE NUMBER EMAIL ADDRESS
Sales Slip Retrieval Processing Fee
Fee will be deducted from the Prepaid Load Balance. Only request within the last 2 months from transaction date Php 300 per copy
will be entertained.
PRESENT ADDRESS

6. LOADING OF THE ARDEUR BONUS CARD. The Ardeur Bonus Card is reloadable upon purchase. The Customer must load a peso value into the
Ardeur Bonus Card prior to usage. Loading can be done through the following partners:
On a per transaction basis, the minimum allowable load amount is PHP 100 and the maximum allowable load amount is PHP 10,000. Per
PERMANENT ADDRESS customer, the aggregate daily load limit is Php 10,000 per day or PHP 100,000 per calendar month. A loading service fee of PHP 20 will be
deducted immediately from every successfully loaded transaction amount. All load transactions shall be payable in cash. No other modes of
payment such as checks shall be accepted for loading.
a. Ardeur Branch Sales Offices (BSOs) f. The SM Store
b. ECPay Merchant Stores (visit ECPay website at http://ecpay.com.ph/ for complete list of stores) g. SM Hypermarket
SOURCE OF INCOME NAME OF BUSINESS/EMPLOYER c. Family Mart h. SM Supermarket
d. National Book Store i. SM Savemore
e. Robinsons Department Store j. Waltermart
NATURE OF WORK TIN / SSS IF ANY On a per transaction basis, the minimum allowable load amount is PHP 100 and the maximum allowable load amount is PHP 10,000. Per
customer, the aggregate daily load limit is Php 10,000 per day or PHP 100,000 per calendar month. A loading service fee of PHP 20 will be
deducted immediately from every successfully loaded transaction amount. All load transactions shall be payable in cash. No other modes of
I hereby agree to the terms and conditions of the ARDEUR BONUS CARD: payment such as checks shall be accepted for loading.
7. USE OF THE ARDEUR BONUS CARD. The Ardeur Bonus Card is accepted worldwide by all VISA-affiliated retail and online merchants. It can also
be used in any BancNet and VISA Accredited ATMs. All transactions made using Ardeur Bonus Card are conclusively presumed to have been
made by the Customer.
Once a transaction has been authorized, the Customer and Merchant shall agree upon the manner by which the goods and/or services will
SIGNATURE OF THE APPLICANT DATE TRANSACTION/CONFIRMATION CODE be received by the Customer. MCC / Ardeur shall not be held liable for any undelivered goods and services, defects, damages and after-sales
service.
8. INTERNET TRANSACTIONS. The Customer is solely responsible for the security of his Ardeur Bonus Card at all times, especially in connection with
the use of the Card to purchase goods and/or services through online internet sites or portals. The Customer agrees that the entry of his Card
IMPORTANT: PLEASE ATTACH A VALID ID TO THE APPLICATION FORM information on the internet is sufficient proof that instructions were given for the use of the Card, and that MCC / Ardeur is not required to verify
the identity or the authority of the person entering the Card information. However, MCC / Ardeur may choose not to carry out any transactions
ARDEUR BONUS CARD Terms and Conditions over the internet if it has any reason to doubt its authenticity or if in its opinion it is unlawful or otherwise improper to do so or for any other reason.
In consideration of the issuance of Ardeur Bonus Card by Ardeur World Marketing Corporation (“Ardeur”), a White Label Prepaid VISA Card The Customer holds MCC / Ardeur free and harmless from any liability and/or claim arising therefrom.
powered by Metrobank Card Corporation (A Finance Company and General Insurance Agency) [“MCC”], the Prepaid Customer and MCC
/ Ardeur herein bind themselves to faithfully comply with the following terms and conditions governing the issuance and use of the Ardeur 9. ATM USAGE. The Ardeur Bonus Card can be used at any local or international BancNet or VISA accredited ATMs for balance inquiry or for cash
Bonus Card, to wit: withdrawal subject to applicable bank charges, if any. On top of these local and international bank charges, MCC will charge a service fee for
every ATM usage, withdrawal or inquiry, performed. For this purpose, a confidential personal identification number (PIN) must be assigned by
1. ARDEUR BONUS CARD. The Ardeur Bonus Card is a reloadable general purpose prepaid card that offers cashless convenience for retail, the Customer. This can be done by the Customer through the Customer Service Hotline and choosing the option for PIN Nomination. Customer
online and Automated Teller Machine (ATM) transactions in all BancNet and accredited VISA merchants worldwide. The Ardeur Bonus Card will be asked to key in his/her Ardeur Bonus Card card number followed by the unique 4 Digit PIN code. To ensure protection and security of the
is not a deposit account. Therefore, it is not covered by the Philippine Deposit Insurance Corporation (“PDIC”) and does not earn interest. Card, Customer is encouraged to change his/her PIN from time to time by calling the Customer Service Hotline. The card will be blocked in the
However, it is subject to the rules and regulations of the Bangko Sentral ng Pilipinas (“BSP”), Anti-Money Laundering Act (“AMLA”), as event of three (3) consecutive unsuccessful attempts to key in the PIN. For blocked cards, the Customer must call the Customer Service Hotline
amended, and Data Privacy Act (R.A. 10173) and its implementing rules and regulations. The Ardeur Bonus Card is non-transferable. to unblock. A minimum of Php500 and a maximum of P30,000 can be withdrawn via ATM per day.
2. PURCHASE OF THE ARDEUR BONUS CARD. The Ardeur Bonus Card can be bought from selected Ardeur distribution channels nationwide. 10. ATM CAPTURE. In the event that a Ardeur Bonus Card gets captured in any BancNet or VISA ATM, the card will not be returned and will be
The customer shall initially purchase an Ardeur Starter Pack to be entitled to the use of the Ardeur Bonus Card and the privileges that come destroyed by the bank. This is a BancNet and VISA policy for unnamed cards like Ardeur Bonus Card. Hence, the customer must report this to
with it. Any person of at least fourteen (14) years of age and is physically capable to read and write, and possesses the required valid the Customer Service Hotline, and he/she must buy a new Ardeur Bonus Card and call the hotline again to request for the transfer of the
identification card may purchase an Ardeur Bonus Card. remaining load from the old account to the new one.
3. REGISTRATION AND ACTIVATION. The customer is required to completely fill out the required application form and present a copy of any 11. ATM ISSUES - NON AND SHORT CASH DISPENSING. As a first step, Customer must report the incident or other concerns regarding such
valid identification cards. The Ardeur Bonus Card will be activated once the information provided by the customer is validated by Ardeur. withdrawals to our Customer Service Hotline. Ardeur Bonus Card shall conduct an investigation based on the Customer’s report. If the details of
MCC shall not be liable for any failure by the customer to avail of the Ardeur Bonus Card due to the lack or non-submission of the required the report match MCC’s record of the transaction, the money shall be credited back to the Customer’s account.
information.
12. FOREIGN EXCHANGE TRANSACTIONS. MCC shall automatically convert all charges or amounts arising from transactions denominated in
4. OWNERSHIP OF THE ARDEUR BONUS CARD. The Customer’s registered information and identification cards presented are presumed to be foreign currency to Philippine Peso using the foreign exchange buying/selling rate of VISA on the transaction date. The said transactions may
correct, true and valid. The Customer shall be responsible for the security of the Ardeur Bonus Card and Personal Identification Number (PIN) also be subject to additional fees to cover assessment fee that may be charged by VISA and service or processing fees. These additional fees
once assigned. The Customer agrees to immediately sign the signature portion found at the back of the Card upon opening the kit and shall likewise apply to transactions involving foreign currencies converted to Philippine Peso at point of sale whether executed in the Philippines
ensures that the Card is securely kept at all times. or abroad or online.
Moreover, the Customer shall immediately notify MCC Prepaid Customer Service via the Customer Service Hotline at (02) 737 3333, 0918 909 13. TRANSACTION LOAD AND BALANCE LIMITS. Load transaction and balance limits may be assigned or changed by MCC / Ardeur, at its option
3333 or 0917 800 5751 of any changes in his/her name, civil status, residence, office or mailing address and/or telephone numbers. The pursuant to applicable laws. The current maximum aggregate load transaction limit is Php 10,000 per day and a maximum aggregate load
Customer shall likewise send the necessary documents via email to [email protected] or Fax to (02) 7371992, such as but limit of Php 100,000 per calendar month. There is also a maximum Card balance of Php100,000 at any given time.
not limited to marriage certificate, as proof or evidence of such change.
14. MULTIPLE CARDS LIMITS. A Customer may have multiple Ardeur Bonus Cards. All Cards registered under one name shall be subjected to the 26. TRANSFER OF INFORMATION. The Customer hereby authorizes MCC / Ardeur to transfer, disclose and communicate any information relating
aggregate monthly load limit of Php100,000 per month per person and the Php100,000 balance per person at any given time. MCC / Ardeur to the Prepaid Card accounts, or any of the Customer’s properties or investments with MCC, to any of the offices, branches, subsidiaries,
will automatically merge multiple Ardeur Bonus Cards based on the information registered by the Customer. affiliates, agents and representatives of MCC and third parties selected by any of them, wherever situated, for references, referrals, cross
selling, data processing and storage, anti-money laundering monitoring, review and reporting, statistical and risk analysis purposes. In
15. FEES, RATES AND OTHER CHARGES. The Customer agrees to pay the fees, applicable taxes and other charges related to the use of the Ardeur addition to the foregoing, MCC and any branch, subsidiary, affiliate, agent and representative or third party may transfer and disclose any
Bonus Card, as provided by MCC, such as, but not limited to, ATM withdrawal, balance inquiry, and loading fees. Fees and other charges shall such information as may be required by any law or regulation. Conformity to these Terms & Conditions by signing on the application form or
be inclusive of all applicable Philippine taxes and shall be debited from the Customer’s balance. The amount of fees and charges may be by using the Ardeur Bonus Card shall constitute the Customer’s express and/or written consent for any transfer and disclosure of information
revised from time to time as MCC may deem necessary. relating to their accounts, properties and investments for the purposes indicated above and under applicable laws, rules and regulations. The
Customer agrees to hold MCC / Ardeur, its directors, officers, employees and representatives free and harmless from any liability that may arise
16. INACTIVE FEE / CANCELLATION OF THE CARD. The Customer agrees to pay an inactive fee after six (6) months of no financial activity (e.g. from any transfer, disclosure or storage of information relating to his accounts, properties or investments.
Load, Usage, or any transaction) on the Ardeur Bonus Card. This will be deducted from the remaining load every month until there is activity
on the Prepaid Card or once there is zero limit. 27. PROMOTIONAL OFFERS. Occasionally, MCC may inform the Customer about its promotional offers through mail / email / fax / SMS or by
telephone. MCC may also allow its branches, subsidiaries, affiliates, agents and representatives and third parties selected by any of them and
MCC / Ardeur reserves the right to cancel a card which has been inactive or has zero balance after a period of six (6) months. certain companies to offer specially selected products and services to the Customer through mail/email/fax SMS or by telephone. For this
purpose, MCC may transfer and disclose selected customer information to its branches, subsidiaries, affiliates, agents and representatives and
17. DISPUTES OF LOAD TRANSACTIONS. The Customer or his/her representative must, at all times, ask for the confirmation code from the sales third parties selected by any of them and certain companies. Conformity to these Terms & Conditions shall constitute the Customer’s written
agent as proof of successful loading and as reference in case of disputes. The Customer shall bear the risk of loss and MCC / Ardeur shall be consent for any transfer and disclosure of information of the Customer’s name, address, contact details and other relevant information to the
held free and clear and without liability in the event of successful loading to an Ardeur Bonus Card card number that was erroneously provided MCC’s branches, subsidiaries, affiliates, agents and representatives and third parties selected by any of them and certain companies for the
by the Customer or his/her representative in the loading slip. purposes indicated above and under applicable laws and regulations.

18. DISPUTES OF UNAUTHORIZED TRANSACTIONS. In case of a disputed transaction, the Customer shall pay a corresponding Sales Retrieval 28. CUSTOMER INSTRUCTIONS. The Customer authorizes MCC / Ardeur to rely upon and act in accordance with any notice, instruction or other
processing fee for each sales slip retrieved upon the request of the Customer or by MCC arising from an invalid dispute. communication, which may, from time to time, be given by telephone, mobile phone, text messages, telex, facsimile, e-mail or other
electronic means, by the Customer or on his behalf, which MCC / Ardeur believes, in good faith, to have been made by the Customer or based
The Sales Retrieval processing fee will be deducted from the existing load of the Customer. If there is no load on the Prepaid Card, Customer upon his instructions or for his benefit. MCC / Ardeur, however, reserves the right to require the instructions to be contained or sent in a
must load P300 in order to process the said request. particular form or to have the instructions confirmed before it may decide thereon. MCC / Ardeur shall be entitled to treat the instructions as
fully authorized by and binding upon the Customer and to take such steps in connection with or on reliance upon the instructions as MCC /
Moreover, the disputed transactions shall only be credited back to Customer’s account once the claim/dispute has been properly processed, Ardeur may consider appropriate.
investigated, and resolved in favor of the Customer or in case of inaction within sixty (60) days reckoned from the date of reporting of the
unauthorized transaction. 29. TELEPHONE COMMUNICATIONS. The Customer agrees that by calling or accepting calls from MCC / Ardeur or any of its telesales providers,
MCC / Ardeur or the telesales provider may, at its sole option and discretion, record all telephone communications with Customer. The
19. LOST OR STOLEN CARD. In the event that the Ardeur Bonus Card gets lost or stolen, the loss or theft must immediately be reported by the Customer, likewise, agrees that such taped or recorded communications may be used by MCC / Ardeur or any third party, for any lawful
Customer through the Customer Service Hotline (02) 737 3333, 0918 909 3333 or 0917 800 5751. All transactions or usages are considered valid purpose, particularly as evidence in any proceeding, judicial or administrative.
prior to MCC’s receipt of advice of the fact of the card’s loss or theft, including but not limited to, fraudulent transactions and/or forged
signature by any person. Blocking or cancellation of Ardeur Bonus Card shall be processed only upon verbal notification, proper 30. SMS COMMUNICATIONS. The Customer hereby agrees that MCC may from time to time send or communicate through text messages for
authentication of the phone call and actual recording thereof by MCC / Ardeur. specific and timely prompts, reminders and notices concerning account information, internet security, and other matters relating to the
Ardeur Bonus Card. The Customer hereby acknowledges and accepts that each SMS may be sent to the Customer without being encrypted
20. VALIDITY AND EXPIRY OF THE ARDEUR BONUS CARD. Unless earlier terminated by MCC / Ardeur, or voluntarily cancelled or returned by the and may include the Customer’s name and information pertaining to the Customer’s account. It is the Customer’s responsibility to ensure the
Customer, the Ardeur Bonus Card shall be valid from the day of issuance up to the last day of the month indicated on the face of the Card or security of his mobile phone and the Customer hereby holds MCC / Ardeur, its directors, officers, employees and representatives free and
the expiry date (MM/YY). There is no option for renewal of Card. Therefore, upon expiry, Customer must purchase a new Card to continue harmless against any and all liability, administrative, civil, or criminal, including but not limited to, those relating to any data privacy and/or
enjoying the services. The Customer shall not use the Card after its expiry date, cancellation, suspension, termination, withdrawal, or permit secrecy laws or regulations (if any), should any SMS be viewed or accessed by any persons other than the Customer. The Customer agrees that
other persons to use the Card for any reason whatsoever. MCC / Ardeur does not guarantee the timely delivery or accuracy of any SMS, which are purely for convenience, information and notification
purposes only. The Customer shall be fully responsible to monitor the due performance and compliance of his obligations.
21. DISHONOR OF CARD/DEFECTIVE PURCHASES. The Customer agrees to hold MCC / Ardeur its directors, officers, employees and
representatives free and harmless from any liability arising from the failure of any accredited establishment, MCC or third-party merchants to 31. ELECTRONIC NOTIFICATION. Notifications sent by MCC / Ardeur to the Customer through mobile phones, facsimile, e-mail or other electron-
honor the Card nor from the defect in any merchandise or services purchased/obtained. ic means (except SMS/text messaging, which has been covered by preceding clause) using the number and address of record shall be
deemed to have been sent to the Customer himself. As such, the Customer hereby declares, MCC / Ardeur, its directors, officers, em-
22. REGULATORY LIMITATIONS. The Customer hereby warrants that the use of the Card, including but not limited to the transfer and/or receipt ployees and representatives free and harmless from any liability if the information contained in the electronic notification is, by any means,
of funds using the Card, do not and will not violate the Anti-Money Laundering Law, as amended, Access Devices Regulation Act of 1998, as accessed by any person other than the Customer.
well as other applicable laws, rules, or regulations. By registering and using the Card, the Customer hereby agrees to render MCC / Ardeur, its
directors, officers, employees, and representatives, free and harmless and indemnified from any liabilities, damages, suits, or causes of action 32. CONSENT OF PROCESSING INFORMATION. The Customer expressly agrees and consents, without need of notice, to the collection, record-
whatsoever which may arise from any violation of said laws, rules, or regulations. Moreover, MCC / Ardeur, upon reasonable suspicion of fraud, ing, organization, storage, updating, retrieval, consultation, use, consolidation, blocking, erasure or destruction of all information relating to
irregularity, or anomaly involving the Card may automatically block the use thereof, with or without notice, and initiate investigation. the Customer in connection with, or arising from, the purchase and/or use of the Ardeur Bonus Card, by any or all of the following: (i) MCC, its
subsidiaries, affiliates and related interests, whether organized in the Philippines or in other jurisdictions; (ii) participating merchants, payment
23. FRAUDULENT TRANSACTIONS technology companies, credit information/investigation companies, financial institutions, credit bureaus, loyalty program partners, consumer
23.1 Blocked Card – MCC shall have the right to automatically suspend or block the Card in the event that MCC has reason/s to believe reporting or reference agencies, whether based in the Philippines or other jurisdictions; (iii) government regulatory agencies/bodies having
that the Card is being used for fraudulent or suspicious transactions. MCC / Ardeur may, but shall not have the obligation to, inform the authority or jurisdiction over MCC, its subsidiaries, affiliates and related interests; (iv) entities engaged by MCC, its subsidiaries, affiliates and
Customer prior to suspending or blocking the Card pursuant to this Section. The Customer acknowledges the authority of MCC to related interests to facilitate administration, servicing, and implementation of the Card, as well as other MCC products, services, facilities and
suspend or block the Card and accordingly, the Customer shall hold MCC / Ardeur, its directors, officers, employees and representatives channels; and, (v) such other persons or entities that MCC may deem as having authority or right to such information, as and when required
free and harmless against any and all consequences of such suspension or blocking, or any loss or damage which the Customer may by the circumstances.
suffer as a result thereof.
33. REVISION OF TERMS AND CONDITIONS. Upon written notice (e.g. letter, publication, or otherwise) to the Customer, MCC / Ardeur may, at
23.2 Discretion – Without giving any reason or notice, and without prejudice to the other provisions hereof, MCC has the absolute discretion any time and for whatever reason it may deem proper, amend, revise or modify the terms and conditions hereof.
(a) to refuse to approve any proposed Card transaction even if there is sufficient available balance; or (b) to suspend, terminate or cancel
the Customer’s right to use the Card. MCC to inform Ardeur of any suspended, blocked and terminated cards. 34. VENUE OF ACTIONS. Venue of all suits directly or indirectly arising from this instrument or from the relationship between MCC / Ardeur and
the Customer shall be limited to the proper Courts of Makati City, to the exclusion of all other courts and venues.
24. REMAINING BALANCE. For Ardeur Bonus Card cards that get lost, expired, captured, cancelled, or suspended but with remaining balance,
the Customer can request for the load balance transfer to his/her other registered Ardeur Bonus Card, or may buy a new Ardeur Bonus Card. 35. SEPARABILITY CLAUSE. Should any term or condition in this Agreement be rendered void, illegal or unenforceable in any respect under any
The transfer of the remaining balance will only be accommodated if the Ardeur Bonus Card is registered under said Cardholder’s ownership. law, the validity, legality and enforceability of the remaining terms and conditions shall not be affected or impaired thereby.
25. REPLACEMENT OF DAMAGED CARDS. MCC shall replace a damaged Card for free only if it still has its full ORIGINAL load or Peso value and 36. DISCLOSURE. MCC / Ardeur shall keep all Customer information in strictest confidence. MCC may, however, obtain, exchange or release
HAS NOT BEEN USED for any transaction as validated by the MCC Prepaid Customer Service. Once these are validated by the customer service, information to its associates, affiliates, subsidiaries, officers, employees, agents, lawyers and other consultants, pre-paid/debit/credit bureaus
the Customer will be instructed to buy a new Ardeur Bonus Card. MCC will credit back the Php 300 SRP for the purchase of the damaged or any such persons as MCC deems necessary, or as required by law, rule or regulation, or as my be provided herein.
Ardeur Bonus Card.
37. DISCRETIONS. MCC / Ardeur reserves the right to introduce, amend, vary, restrict, terminate or withdraw the benefits, services, facilities and
If the Customer discovers that the Ardeur Bonus Card has physical damage such as, but not limited to, lack of or unreadable card number, privileges with respect to or in connection with the Ardeur Bonus Card.
Expiry Date, CVC/CVV number upon purchase, Customer can request replacement of Ardeur Bonus Card from the same distribution channel
where the card was purchased or through Ardeur Hotline (02) 285 5511. This should be done immediately upon detection of any physical 38. ACCEPTANCE. All the terms and conditions herein stated and any amendments thereto, have been read and fully understood by the
damage. Customer as evidenced by the Customer’s signature either on the application form, acknowledgement receipt, or the physical Ardeur Bonus
Card, and/or other forms of documents evidencing charges to the Card, or when the Customer retains or uses the Card.