A1 - Customer Information

CIF Number Account Owner

(for internal use)
Business Owner / Officer / Signatory

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 customers only need to fill in the 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

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

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

III. PERSONAL INFORMATION

Country of Birth
Gender Civil Status

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?

Natures of Work / Business Name of Primary Employer / Business

Provide all applicable ‘Codes.’ (ex. ABC, DEF, GHI)

Position / Job Title in Primary Employer / Business (Select one if you are ‘Employed’) Gross Monthy Income (PHP)

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 government official in the Yes No
Philippines or another country? 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 Yes No
the ‘Substantial Presence Test’? If ‘Yes’, accomplish ‘Form A7’
Online Gaming Questionnaire (Refer to ‘Instructions’ for details on ‘Online Gaming Business’)
Does your work / business provide service, process transactions, have transactions or related interests / relationships with any Yes No
business or service provider in the online gaming industry? If ‘Yes’, accomplish ‘Form A8’
Beneficial Ownership
Are you opening this account on behalf of someone else? Yes No

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
https://www.bdo.com.ph/privacy-statement, 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 https://www.bdo.com.ph/privacy-statement. I further acknowledge
and understand that I may access and view the BDO Group’s Data Privacy Statement at https://www.bdo.com.ph/privacy-statement 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

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 Signature
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 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, and the Terms and
Conditions of BDO Biometrics (the“BDO Terms and Conditions”) and have fully understood and agreed to be governed by the provisions thereof, Signature
as well as the rules and regulations of BDO, Bangko Sentral ng Pilipinas, Anti-Money Laundering Council, Bankers Association of the Philippines,
Philippine Deposit Insurance Corporation, and the Bureau of Internal Revenue with respect to taxes imposed on interest on deposits and bank
commission/charges relative to the establishment of operations of the account/s opened.

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 BDO. I further declare that I have fully understood and agree to be governed by the rules and regulations of the BDO
product(s) and services I am availing. I also acknowledge that the BDO Terms and Conditions were made available to me upon account opening, and
where copies were given upon request and posted in BDO’s website at bdo.com.ph/info/accounts. I agree that BDO may make amendments to the Date Signed
BDO Terms and Conditions by giving me notice by (i) exhibiting the same at any of BDO’s branches, (ii) publishing the same at BDO’s website or any (mm / dd / yyyy) / /
media, or (iii) such other manner BDO deems fit.

BDO Customer Contact Center: (02) 8631-8000

BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas: Tel. No. (02) 8708-7087; Email: [email protected]; Webchat: bsp.gov.ph REVISED AS OF MAY 2022
The BDO, BDO Unibank, and other BDO-related trademarks are owned by BDO Unibank, Inc.

Account Number Date Opened (mm/dd/yyyy) Residency Biometrics RC NLDS

Resident Face N
/ /
Non-resident Finger H

ID 1 ID 2
FOR I NT ER NA L US E O NLY

Type of ID ID Number Type of ID ID Number

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

Name and Signature Name and Signature

Courtesy Call / Remarks

 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

Standard Gold Gold Cashback

Bench Platinum 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 Installment Card Cash Availment / Personal Loan Term
In PHP. Up to PHP 995,000 for Installment Card and PHP 1,000,000 for Personal Loan.
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
of the loan. The BDO Deposit Account MUST BE in the name of the Personal Loan account holder. It is OPTIONAL for Credit Cards for the settlement of the monthly balance, defaulted to full payment
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’ If you would like a new ‘BDO ADA/ACA Settlement Account’ and
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

Settlement Account’ and would like to have my ‘Loan Proceeds’
and an ‘Auto Debit Arrangement (ADA)’ for the monthly
amortization / balance of the loan / credit card set up to this
AUTO DEBIT / AUTO CREDIT ARRANGEMENT UNDERTAKING account
By signing, I/we expressly authorize BDO Unibank to automatically debit and/or credit from time to time, with-
out 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 bdo.com.
ph/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. 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 integral BDO can rely on the authority given under this section unless otherwise revoked by me. I agree that in case I am issued by two
part hereof, my Conforme in Form A1-A2 is deemed repeated for purposes of my application in this Form B1-B2, and that the or more BDO Credit Cards, BDO may give a separate credit card limit for each of the Cards issued to me or a consolidated
representations, warranties, and undertakings under this Form B1-B2 shall be in addition to those provided in Form A1-A2. Shared Credit Card Limit for my existing and 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.
I certify that all information and documents given by me in this Form B1-B2 and in Form A1-A2 are true and correct. I Furthermore, I understand and agree that a portion of my principal card limit is shared with my Virtual Card. Any request for
authorize the relevant Consumer Banking Unit/s to update or cause the updating of the information in Form A1-A2 based increase in Credit Limit may be accommodated by BDO subject to the submission of required documents.
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 termination of my credit card When a Supplementary Card is requested and subsequently issued by BDO, the signature of the Supplementary Cardholder
privileges once approved, a default of my Personal Loan and/or legal action against me. signifies his/her agreement to jointly and solidarily liable with the Principal Cardholder for all obligations 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 from other
institutions/persons. All information obtained by or provided to BDO pursuant to this application shall be BDO’s property Pursuant to the BDO Personal Loan I applied for, I understand that BDO shall require me to sign and submit documents in
whether or not the credit card/Personal Loan is granted. the event my BDO Personal Loan is approved. In case BDO allows the documents to be scanned and 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
I agree that my application under this Form B1-B2 shall be subject to applicable laws (including BSP circulars, rules, and same force and effect as manual signature, and shall be effective to bind me to the approved BDO Personal Loan. I agree that
regulations), and policies of BDO and undertake to comply with/submit all the loan requirements. I recognize that BDO is any digitally or electronically signed document shall be deemed (i) to be “written” or “in writing,” (ii) to have been signed and
committed to ensuring the confidentiality of my information under R.A. No. 1405 (Bank Secrecy Law of 1955) as amended, (iii) to constitute a record established and maintained in the ordinary course of business and an original written record when
R.A. No. 8971 (General Banking Law of 2000) as amended, and R.A. No. 6426 (The Foreign Currency Deposit Act), and printed from electronic files. Such paper copies or “printouts,” if introduced as evidence in any judicial, arbitral, mediation or
will exert reasonable efforts to protect against unauthorized use or disclosure. However, I understand that my information administrative proceeding, will be admissible against me to the same extent and under the same conditions as other original
and information regarding my deposit account/s with BDO may be inquired to, or disclosed, in relation to the evaluation of business records created and maintained in the documentary form. I will not contest the admissibility of true and accurate
my application under this Form B1-B2, as may be required by applicable rules and laws, and/or to ensure a successful debit copies of digitally or electronically signed documents on the basis of the best evidence rule. For purposes hereof, “digital
under an Auto-Debit Payment Arrangement. I further authorize BDO to: (a) pursuant to BSP Circular No. 472 Series of 2005 signature” and “electronic signature” shall have the meanings ascribed to them under the Philippine Supreme Court Rules
as implemented by BIR Revenue Regulation RR-4 2005, conduct random verification with the Bureau of Internal Revenue, to on Electronic Evidence (A.M. No. 01-7-01-SC dated July 17, 2001) and the Philippine Electronic Commerce Act of 2000 (R.A.
establish authenticity of the ITR, accompanying financial statements and such other documents/information/data submitted 8792), including amendment.
by me; (b) conduct checking with other governmental entities and third parties including banks and financial institutions to
verify documents/information/date submitted by me; and (c) to request information regarding the status of any court case to In case of disapproval of my application under this Form B1-B2, I understand that BDO is under no obligation to disclose the
which I may be a party. reason/s for such disapproval.

For BDO Credit Card application, by signing below, I further confirm that I have accessed, read, and understood the Terms BDO is hereby authorized to send me notices and information regarding the status of my application under this Form
and Conditions and Table of Fees and Charges applicable to the BDO Credit Card I applied for as found in bdo.com.ph/info/ B1-B2, including details concerning my approved/availed facility/loan via email, as well as broadcast messaging service,
cards-and-personal-loans. I acknowledge that BDO may issue a card type different from my card preference based on the multi-media messaging service, and/or short messaging service as these terms are defined in the regulations of the
evaluation of my application, as the case may be. If my application is approved, I acknowledge that by signing below and/or National Telecommunications Commission (NTC).
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
Date Signed
As the principal applicant, I agree that my application under this Form B1-B2 shall also serve as my application for issuance of (mm / dd / yyyy)
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 provided in this Form B1-B2. I understand that

BDO Customer Contact Center: (02) 8631-8000

REVISED AS OF MAY 2022
BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas: Tel. No. (02) 8708-7087; Email: [email protected]; Webchat: bsp.gov.ph. The BDO, BDO Unibank, and other BDO-related trademarks are owned by BDO Unibank, Inc.
FOR INTERNAL USE

SC IC Branch Code Branch Name Referror Code

 Instruction Sheet

GE NERAL INSTRUCTIONS
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.

SOURCE OF FUN 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 U RE OF WORK / B US I N ES 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 / Comunication / Telecommunication

LEG Legal Services PUB Publishing / Printing

ANE Architecture / Engineering ICT Robotics / AI / Cloud / Data Engineering / Software

Development / Cybersecurity
ADV Advertising / Marketing
Manufacturing
SVC Other Professional Services / Consultancy / Coaching
MFG Manufacturing / Packaging
Finance and Insurance
MFF Manufacturing / Trading of Firearms and Ammunition
PWN Pawnshop
Dealerships, Trading, Selling and Repair Services
LDG Lending
ART Art / Antiques Dealership
MSE Money Service Business - Electronic Money Issuer
CAR Car / Boat / Plane Dealership
MSV Money Service Business - Virtual Currency Exchange
JEW Jewelry / Precious Metals / Precious Stones Dealership
MSR Money Service Business - Remittance Transfer Company
WRT Wholesale / Retail Trade (Distribution & Sales) / E-Commerce / Online Selling
MSF Money Service Business - Foreign Exchange Dealer / Money Changer
REP Repair Services
BAN Banking
Transportation and Storage
INS Insurance
TRN Transportation (Land, Sea and Air)
SBD Securities Broker / Dealer
SHI Shipping / Cargo / Storage
Construction and Civil Engineering
SEA Seaman / Seafarer
CON Construction and Civil Engineering
Agriculture, Forestry, and Fishing
Real Estate Brokerage and Sales
AGR Agriculture / Fishing
REL Real Estate Brokerage and Sales
FOR Forestry
Media, Arts, Sports and Recreation
Mining and Quarrying
MED Media
MIN Mining / Quarrying
ENT Arts / Entertainment / Recreation
Electricity, Oil and Gas
SPO Sports / eSports
UTL Electric Utilities
GAM Gambling / Casino / eGames
OIL Oil / Gasoline
Healthcare and Social Work
Water Supply, Sewerage and Waste Management
HEA Healthcare (Doctor, Dentist, Nurse, Psychiatrist and others)
WAT Water Supply / Sewerage / Waste Management
SOC Social Work / Non-Government and Non-Profit Organizations
Public Administration and Peace and Order
Education
MIL Peace and Order (Military, Police, Fireman, Jail Warden and Others)
EDU Education / Online Education
PAD Public Administration / Government
Accomodation and Food Services
Embassies and Diplomatic Services
AFS Hotel / Accomodation / Restaurant / Food Services
EMB Embassies / Diplomatic Services
Administrative and Other Support Service Activities
Other Service Activities
TRA Travel / Travel Agencies
OTS Other Service Activities (Hairdresser, Manicurist, Masseuse and others)
AGY Employment Agency / Human Resources
RLG Religious Organization
BPO Business Process Outsourcing
Special Nature of Work / Business
SEC Security Agency / Services
DFP Designated Non Financial Business And Professions (DNFBP)1
Private Household and Household Staff
OGB Direct OGB / POGO Licensee and Authorized Gaming Agent2
HOU Private Household / Household Employee / Household Staff
OGI Indirect OGB / POGO Allied Service Provider
 Instruction Sheet

N OT ES ON NAT URE OF WO R K / B US I N ES S
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 Outsurcing 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.

O N T HE FOREIGN ACCO UN T TAX CO M PL I AN C E ACT ( FATCA) A ND ‘ SU B STA NT I A L PR E S E NCE T E ST ’

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.

BDO Customer Contact Center: (02) 8631-8000

BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas: Tel. No. (02) 8708-7087; Email: [email protected]; Webchat: bsp.gov.ph REVISED AS OF MAY 2022
The BDO, BDO Unibank, and other BDO-related trademarks are owned by BDO Unibank, Inc.
 Personal Loan Fees and Charges

INTEREST CHARGES

ADD-ON EFFECTIVE INTEREST

TERM FACTOR RATE
INTEREST RATE/MO RATE/ANNUM

6 0.179667192 1.30% 26.67%

12 0.095836960 1.25% 26.63%

INTEREST RATES
18 0.068058532 1.25% 26.76%

24 0.054167533 1.25% 26.68%

36 0.040279967 1.25% 25.98%

Interest rates may be subject to change by BDO Unibank, Inc. (BDO) in accordance with the prevailing market rates for similar transactions and terms.

FEES AND CHARGES

AVAILMENT FEE P1,300 (deducted from loan proceeds)

LATE PAYMENT FEE 5% of the unpaid installment due or P300, whichever is higher.

CERTIFICATION REQUEST FEE P100 per request

P1.50 for every P200 approved loan amount or fraction thereof, whichever is higher.
DOCUMENTARY STAMP TAX FEE
Applicable for approved loan amounts greater than P250,000 or for business purpose
(regardless of loan amount).

INSTALLMENT PROCESSING FEE 5% of the total outstanding balance or P300 whichever is higher.

APPLICATION REQUIREMENTS

1. Must be 21 years old at the time of application but not more than 60 years old upon loan maturity.
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 - Employed / Salaried
P 35,000 - Self-employed / Professional
4. Regular employee or self-employed with business operating for at least two (2) years.
5. One mobile number (postpaid or prepaid) or landline number in either residence or place of work.
6. Residence or office address must be within any area where a BDO branch is located.

A. PROOF OF IDENTIFICATION B. PROOF OF INCOME

Filipino Employed Applicants

Any valid government-issued ID (front and back): 1. Photocopy of latest Income Tax Return (ITR) duly stamped as received by
1. Preferred IDs - Driver’s License, Philippine Passport, Tax Identification Number (TIN) ID, the Bureau of Internal Revenue (BIR) or BIR Form 2316 signed by employer’s
Social Security System (SSS) ID, or Government Service and Insurance System (GSIS) authorized representative (MANDATORY)
eCard 2. PLUS any of the following: Latest full-month’s payslip/s; Original Certificate of
2. Other acceptable IDs - Unified Multi-Purpose ID (UMID), PhilSys ID, Voter’s ID, Employment indicating status, service tenure, and compensation breakdown
Philippine Postal ID, Professional Regulation Commission (PRC) ID, or PhilHealth ID
Self-employed Applicants
Foreigners 1. Photocopy of latest Income Tax Return (ITR) duly stamped as received by the
1. Copy of Employment Contract or Certificate of Employment Bureau of Internal Revenue (BIR) and Audited Financial Statements for at least
2. Letter from the Embassy (if Embassy official) two (2) years (MANDATORY)
3. Any one of the following valid documents: Valid VISA and work permit; Alien 2. Photocopy of registration of Business Name (MANDATORY): DTI Registration for
Certificate of Registration (ACR) or Immigrant Certificate of Registration (ICR) or Single Proprietorship or SEC Registration for Partnership / Corporation
ACR-I; or valid passport with any of the following: Special Investors Resident VISA, 3. Last 3 months’ bank statements (OPTIONAL)
Special Non-Immigrant VISA for PEZA investors and employees, or VISA with E0226

BDO Customer Contact Center: (02) 8631-8000

BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas: Tel. No. (02) 8708-7087; Email: [email protected]; Webchat: bsp.gov.ph REVISED AS JUNE 2022
The BDO, BDO Unibank, and other BDO-related trademarks are owned by BDO Unibank, Inc.
 B10 - Related Parties and Affiliations

CIF Number
(for internal use)

Full Name of Relation / Affiliation

Last Name First Name Middle Name Suffix

Rank / Position of Relation / Affiliation Relation or Affiliation via Name of Affiliated Company

BDO Unibank

BDO affiliated company

Full Name of Relation / Affiliation

Last Name First Name Middle Name Suffix

Rank / Position of Relation / Affiliation Relation or Affiliation via Name of Affiliated Company

BDO Unibank

BDO affiliated company

Full Name of Relation / Affiliation

Last Name First Name Middle Name Suffix

Rank / Position of Relation / Affiliation Relation or Affiliation via Name of Affiliated Company

BDO Unibank

BDO affiliated company

CUSTOMER UNDERTAKING Signature over Printed Name

By signing, I hereby certify that the information in this form is true and correct Date Signed
to the best of my knowledge. I undertake to advise the BDO Group and provide (mm / dd / yyyy)
documentation for any changes to the above information.
/ /

BDO Customer Contact Center: (02) 8631-8000

BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas: Tel. No. (02) 8708-7087; Email: [email protected]; Webchat: bsp.gov.ph REVISED AS OF MAY 2022
The BDO, BDO Unibank, and other BDO-related trademarks are owned by BDO Unibank, Inc.