Maya Credit Card (“Card”)

Terms and Conditions

1. General Terms and Conditions

1.1 These terms and conditions (“T&C”) govern the terms under which You will avail of Maya
Credit Card or the “Card”. By applying and activating the Card, You agree to be bound by these
T&C. The General Terms and Conditions (GT&Cs) of Maya Bank accessible through this
link: https://mayabank.ph/terms-conditions/ are deemed incorporated into these T&C. In case
ofefun conflict or inconsistency between the GT&Cs and these T&C, the terms of these T&C
shall prevail.

1.2 Under these T&C, the terms “Maya Bank”, “We”, “Us”, and “Our” refer to Maya Bank, Inc.
with its employees, directors, affiliates, successors, service providers, agents, and assigns.
Maya Bank is duly authorized to engage in the business of providing credit cards.

1.3 The terms “You” and “Your” refers to the applicant and holder of the Card or the Cardholder
and the Cardholder, if any.

1.4 These T&C shall be effective, valid, and binding from the time that You signify Your
agreement to these T&C or You have availed and activated the Card we issued to You, and will
be in full force and effect up to the time that this or the Card is terminated by You or Us, save for
some provisions which shall remain effective after termination, as stated in these T&C, or under
any laws, rules, or regulations.

1.5 All the headings in these T&C are for reference and/or convenience only. Our respective
rights and obligations are contained in the terms provided in these T&C.

2. Definition of Terms

2.1 Affiliates – refer to any person or entity controlled by or under common control with another
person. For purposes of the Terms, any of the entities under the MVP Group of Companies,
including but not limited to Maya Philippines, Inc., PLDT, Inc., Metro Pacific Investments
Corporation, Smart Communications, Inc., The Manila Electric Company, Maynilad Water
Services, Inc., Metro Pacific Tollways Corporation, and MediaQuest Holdings, Inc., shall be
considered as Affiliates of Maya Bank.

2.2 Acquirer (Payment Scheme) - refer to payment networks linked to payment cards, such as
debit or credit cards, of which a bank or any other eligible financial institution can become a
member, such as VISA and Mastercard.
2.3 Billing Cycle – refers to the specific month between two (2) successive cut-off dates as
documented in Your electronic Statement of Account (eSOA). All transactions covered within the
Billing Cycle will form part of the Total Amount Due that must be settled on or before the Due
Date as specified in the eSOA and/or in Your Maya App.

2.4 Cardholder – refers to You to whom the Card is issued by Maya Bank, whether physical or
virtual, and includes the person to whom a Supplementary Card is issued upon Your application
(the “Supplementary”).

2.5 Cash Advance - refers to cash withdrawals obtained by You from Your Card through any
local or international ATMs, deducted from Your credit limit and subject to fees/charges.

2.6 Disputed Transactions – refers to a transaction that was reported to Us or transactions that
have reasonable grounds to believe appear to be unusual or without clear economic purpose or
from an unknown or illegal source, or unlawful activity or facilitated through fraud or crime and
other social engineering schemes.

2.7 Payment Due Date – refers to the last date for payment of the Total Amount Due (“TAD”) or
the Minimum Amount Due (“MAD”) as reflected in Your eSOA.

2.8 Maya App – refers to the mobile application that serves as the interface between You and
Maya Bank, which terms of use shall be in accordance with the Terms and Conditions and
User’s Guide found in the said Maya App or Maya Bank website.

2.9 Maya Credit Card (“Card”) – refers to the physical or virtual card representation, offered by
Maya Bank, which You can use to withdraw cash or purchase goods and/or services on credit
whether directly from our accredited Merchants or our credit card network provider-accredited
Merchants. Unless otherwise stated, any reference to the Card shall be deemed to include its
Supplementary Card.

2.10 Maya Wallet – refers to Your e-Wallet in the consumer app of Maya Philippines, Inc.

2.11 Merchant – refers to the business establishment we have accredited to accept Your Card
as a mode of payment for Your purchase of goods and/or services. It shall also refer to the
Merchant’s stockholders, officers, managers, employees, and agents.

2.12 Partner Channel – refers to the employer, enterprise, or business, in partnership

agreement with Maya Bank, authorized to collect application inquiries and requests related to
the Card from their customers or employees who have provided consent to share their personal
data with Maya Bank through Partner Channel and to transfer, process, store such personal
data for purposes of the issuance or maintenance of the Card; and to give effect to these T&C.
2.13 POS or Point of Sale Terminal – refers to the device or terminal used by a merchant to
accept and process payments.

2.14 Supplementary Card - a Maya Credit Card issued to another individual chosen by You as
supplement to your Card. The Credit Limit of the Supplementary Card is consolidated with Your
Credit Limit. These T&C shall also apply and binds the Supplementary Card. You and
Supplementary cardholder’s obligation under the Card is joint and solidary.

2.15 Qualifying Spend - pertains to charges on the Card which are convertible to vouchers or
cashback points to be made available on the Maya App.

3. Ownership of the Card

The Card is the sole property of Maya Bank. It is non-transferrable and issued solely for Your
personal use. The privileges of the Card may be suspended, revoked or terminated by Maya
Bank at any time and for whatever reason or cause without need of prior notice to You. We shall
notify you of the suspension, revocation or termination of Your Card within seven (7) banking
days from termination. You agree to destroy and perforate the Card beyond use and recognition
upon revocation, termination or expiration. Your use of the Card even after receipt of the written
notice of suspension, revocation or termination from us shall be deemed fraudulent and may
subject You to appropriate legal proceedings. Delivery of the said written notice of suspension,
revocation or termination through email, SMS or in-app notification shall be considered sufficient
receipt of the notice of termination. The issuance of the Card shall not create any other
obligations on the part of Maya Bank other than those expressly stated herein.

4. Availment, Delivery, Activation and Use of the Card

4.1 At Your own discretion, You applied for and was issued the Card. You warrant that all the
information and documents You provided in Your Maya Credit Card application and Maya
account are valid, true, and correct. You further agree that any information or documents
provided in support of the application shall become the property of Maya Bank unless otherwise
provided under applicable laws, rules, or regulations.

4.2 You authorize Maya Bank to make, directly or through third parties, any inquiries necessary
to verify Your identity and to assess Your capability to make payments in accordance with the
relevant Card policies and regulations. You further agree and authorize Maya Bank to share
such information with any company or business entity that is our Affiliate, subsidiary, holding
company, or a subsidiary of our holding companies or Affiliates, or any other third parties as may
be relevant or necessary to carry out the above assessment by Maya Bank.

4.3 You agree to periodically provide Your updated duly stamped received Income Tax Returns,
if applicable, to Maya Bank, along with any supporting identity validation or re-validation or
Know-Your-Customer (KYC and re-KYC) and financial documents that Maya Bank may require,
from time to time. You agree to waive Your confidentiality on the aforementioned documents and
authorize Maya Bank or its authorized representative, to verify, at any time, the authenticity of
the submitted documents with the Bureau of Internal Revenue and Your employer, if any.

4.4 You agree that We will validate your submission with any available information either in Your
existing account with us or our subsidiaries and affiliates; our accredited third-parties; and
determine your credit information or status from third party entities, banks and financial
institutions, credit bureaus, and other relevant institutions. You authorize the holder, controller,
and processor of your personal data or information from these sources to confirm, release, and
verify the existence, truthfulness, and/or accuracy of such information you provided to Us.

4.5 You agree that the information in Your Maya account and the Card application may be used
by Maya Bank to pre-fill any future applications for other products and services offered by Maya
Philippines, Inc. and Maya Bank in the Maya App.

4.6 You warrant that incomplete and/or inaccurate information declared in Your Card application
is sufficient ground for legal action, rejection of Your application, or termination of your Card and
its privileges. If Maya Bank discovers that You have mis-declared any information or have made
any misrepresentation, which is material in the approval of Your application, We have the right
to terminate Your Card, any Supplementary and Your Maya account and demand immediate
payment of any outstanding amount in accordance with the law.

4.7 You agree to promptly notify Maya Bank in the event that there is material change in any of
the information or documents You previously provided to Us. You may notify Us of such changes
through Our Support web page (www.mayabank.ph) or through the contact details in
www.mayabank.ph/contact-us/.

4.8 You acknowledge that Maya Bank reserves the right to approve or reject Your Card
application and has no obligation to disclose reasons for the approval, rejection or disapproval
of Your Card application.

4.9 If You apply for the Card through any Authorized Partner Channel, You agree to:

a. Indemnify and hold Maya Bank free and harmless against any and all claims
arising from Your relationship with the Authorized Partner Channel;
b. Promptly perform all other obligations under these T&C including the payment of
the Total Amount Due, notwithstanding any relationship You may have with the
Authorized Partner Channel in which You register Your Card; and
c. Allow Maya Bank to notify the Authorized Partner Channel upon occurrence of
Your account delinquency.
4.10 Where applicable, You authorize the delivery of the Card to the address indicated in Your
application form or Your latest reported mailing address and received by Your authorized
representative or by an adult receiving the Card at Your reported mailing address. Such delivery
shall be deemed effective, sufficient, and binding on You. Upon receipt of the Card, You are
required to activate the Card before use. Upon activation, any and all purchases, charges and
cash advances made using the Card shall be binding and payable by You.

4.11 The Card may be used to purchase goods and/or services directly from the Merchant or to
obtain Cash Advance via ATM. You understand that any purchase or Cash Advance made
through Your Card shall be binding to You.

4.12 You may use the Card only for personal and legitimate transactions and not for restricted
transactions. Restricted transactions include but is not limited to illegal gambling or
unauthorized game of chance and transactions whose cause, object or purpose is contrary to
law, public order, morals, or public policy. If we determine that the Card has been or is being
used for restricted transactions, we may take appropriate legal action in connection with Your
use of the Card and/or the transaction made using the Card, including the suspension or
cancellation of Your Card or Your Maya Account.

4.13 We may decline any transaction that exceeds Your available credit limit or Your assigned
sub-limit. Notwithstanding the availability of credit under Your card account, We have the right
to: (a) decline authorization of any transaction; (b) limit the number and/or amount of Your card
transactions in a given period for reasons such as, but not limited to, suspected fraudulent or
money laundering transactions, and/or other risk considerations of either Us or You. In such
event, You hold Us free from any liability for such refusal to authorize or for limiting the number
and/or amount of Your card transactions.

4.14 You shall not request or initiate splitting of Your transaction/s from any Merchant at any
given time for whatever reason. Splitting of transaction/s is considered fraudulent or an attempt
to defraud the Bank.

5. Electronic Statement of Account (eSOA)

5.1 We shall send to Your registered email address with Us or Maya in-app, an eSOA every
month containing a summary of all Your credit card transactions, fees, and charges, unless Your
card account has been cancelled. You agree that when Your eSOA is sent to Your registered
email address with us or made available for viewing or downloading through Your Maya App, it
is conclusively deemed that You have received it. Failure to receive Your SOA will not relieve
You of Your obligation to pay Your liabilities on Your card account.

5.2 You recognize and acknowledge the integrity of the eSOA as an electronic document
pursuant to the provisions of the Electronic Commerce Act (R.A. No. 8792) and agree to pay the
amount thereon on Payment Due Date without need for presentation of the signed charge or
transaction slips. It is Your responsibility to update Your contact information with Us when
necessary; otherwise, whatever registered contact information appearing in Our records will
remain valid and binding on You. Notwithstanding Your failure to view the eSOA after statement
cut-off date, You agree to pay any and all statement balances on or before the Payment Due
Date. In case You did not receive the eSOA through email or Maya App, it is Your responsibility
to inform us of such non-receipt of the eSOA and to inquire about the amount due arising from
Your use of the Card and the Payment Due Date, by contacting us at any of the Customer
Service Touchpoints found in these T&C.

5.3 You have thirty (30) calendar days from the date of your eSOA to report any error or
discrepancy in the eSOA through the same Customer Service Touchpoints. After thirty (30)
calendar days and we did not receive any notice from You, any transactions and charges
reflected in your eSOA is conclusively deemed to be correct, valid, and final. Should you report
error or discrepancy within the 30-calendar day period herein, You shall remain to be
responsible for paying the uncontested amount or transactions. Otherwise, appropriate charges
as defined in these T&C may accrue to Your account. If Your report is warranted, we shall reflect
the correction in your next monthly eSOA, unless a longer period is necessary based on the
nature of Your report, complexity of Your concern, and possible third-party rules outside of Our
control. You agree that any refund to You shall be posted to Your Maya Credit Card account,
which shall be used to offset charges to your Card in the next Billing Cycle and reflected in Your
eSOA.

5.4 You acknowledge that if Our investigation reveals an erroneous transaction or charge
occurred due to Your mistake or error, such as but not limited to access to phishing, smishing,
and or vishing links or similar fraudulent transactions, entering incorrect recipient details or biller
information, or there were no suspicious activities, the transaction will be considered final and
You shall be liable for the transaction or charge. The outcome of Our investigation will be final
and conclusive.

6. Credit Limit
6.1 Upon acceptance of Cardholder’s application, Maya Bank, at its sole discretion, shall grant
You a Credit Limit. Your Credit Limit, which can be used for regular purchases, represents the
maximum outstanding balance that You and Your Supplementary are allowed to share subject to
the credit card management requirements which may be reasonably imposed by Us from time
to time (“Credit Limit”). Except in case of temporary increase in Credit Limit given on certain
occasions (i.e. promotional offers, etc), in no event shall You and Your Supplementary exceed
the Credit Limit. We reserve the right, at our sole and absolute discretion, to allow or decline any
further transactions or to suspend and/or terminate Your credit card privileges, without prior
notice in case the payment transaction shall exceed the Credit Limit. In any such events, You
agree to pay in full the Total Amount Due (“TAD”), which shall immediately become due and
payable, without the necessity of notice and demand, all of which are waived by You. The Credit
Limit shall be made available to You on the next banking day following payment.
An Over Credit Limit Fee will be charged to Your account if You exceed Your credit limit whether
due to posted transactions or fees and charges.

6.2 We may, at our sole discretion, modify Your Credit Limit based on our internal credit
assessment, policies, and procedures, as the same may be amended from time to time. You
shall be duly notified of such changes to the Credit Limit through Your eSOA. You have the right
to decline increase in Your Credit Limit or request for adjustment subject to Our approval by
contacting us through the Customer Touchpoints at www.mayabank.ph/contact-us/.

6.3 Currently, the shared credit card limit between Maya Landers Cashback Everywhere
Credit Card and Maya Black Credit Card is not available. If You are approved for a second
card, We may manually adjust Your credit limit by reducing it from Your first issued credit
card. The reduced amount will then be assigned as the credit limit for Your new credit card.
Once the shared credit card limit option becomes available, You will have a single credit
limit shared across both of Your credit cards.

7. Fees and Charges

You agree to all applicable interest, fees, and other charges stated in the eSOA as enumerated
hereunder.

7.1. ANNUAL CREDIT CARD FEES

You shall pay to us a credit card fee, payable annually in an amount fixed by us as may be
amended from time to time with 90-day prior written notice to you. In case of suspension or
cancellation of the Card, all fees paid herein are non-refundable.

7.2 MINIMUM AMOUNT DUE (“MAD”)

The MAD is the minimum required payment from You which shall be reflected in Your
eSOA. It is based on the Total Amount Due (“TAD”) computed as follows:

i. If the TAD is less than or equal to Php500.00, MAD is equal to the TAD.

ii. If the TAD is more than Php500.00, compute for 3% of the difference of the

TAD and the sum of new retail purchase, new cash advance transactions and
 adjustments posted during the eSOA month. If the computed amount:

a. Is less than Php 500.00, MAD is Php500.00 plus 100% of past due amount, if

any.
b. Is more than Php 500.00, the MAD is equal to the computed amount plus 100%

of past due amount, if any.

You must pay at least the MAD on or before Payment Due Date. Failure to pay at least the MAD
shall result in imposition of finance charges, additional interest, and penalty fees.

7.3. FINANCE CHARGES

Finance Charges on regular purchases, monthly installment amortizations, fees, and interest
charges, exclusive of those incurred during the current cycle, shall arise if You pay any amount
less than, or does not pay on Payment Due Date, the Total Amount Due (TAD). The finance
charges on the unpaid balance shall be computed from the day after the Statement Date found
in Your eSOA until the outstanding balance and applicable interest are fully paid.

Finance charges for cash advance transactions and cash advance fees, if any, shall arise from
transaction posting date until payment date.

Finance charge is based on the aggregated total of the daily interest for the statement period.
The daily interest is computed by multiplying the daily unpaid balance for each day with the daily
interest rate (monthly interest divided by 30).

With notice to You, finance charge rates may be changed by Maya Bank from time to time.

7.4 PAYMENT OF CHARGES

You agree to pay the Total Amount Due (“TAD”) or at least the Minimum Amount Due (“MAD”) as
stated in the eSOA on or before the last day for payment indicated in the said eSOA (the
"Payment Due Date"). If the Payment Due Date falls on a Saturday, Sunday or a regular
national holiday, the Payment Due Date shall be moved to the next business day. The Payment
Due Date may be changed to either:

(i) an earlier date if Your account is considered overdue and/or with balances in excess
of the Credit Limit; or

(ii) to such other date as may be deemed proper by us with notice to the You on the
eSOA.
Paying less than the TAD will increase the amount of interest You pay and the time it takes to
repay the balance. Further, failure to pay at least the MAD or the TAD on or before the Payment
Due Date indicated in the monthly eSOA shall result in imposition of finance charges, additional
interest, and late payment fee based on the amount due for every month of delay, a fraction of a
month being considered as one (1) month. If the MAD is unpaid after thirty (30) calendar days
from Statement Date, your card will be automatically locked without need of prior notice or
demand to You which you hereby expressly waive. You can unlock your card after successful
repayment of the MAD. Your Card shall be automatically suspended if unpaid after ninety (90)
calendar days from Statement Date, without prejudice to our right to cancel or terminate the
Card any time and for whatever reason.

If the MAD is not fully paid on the Payment Due Date, in addition to all other remedies available
to Maya Bank under the T&C, and applicable laws and regulations, you hereby authorize Maya
Bank at its option, to auto-deduct the MAD from your associated accounts with Maya Bank and
Maya Philippines, Inc., (collectively, Maya) such as your Maya Wallet. In the event that the
balance in your Maya Wallet is insufficient to cover the MAD, we have the option to deduct from
other Maya Accounts such as your Maya Savings. In the case of the MAD, if continuously
remains unpaid, you hereby authorize Maya Bank to auto-deduct the full amount of the TAD, if
remaining unpaid for 90 days from Payment Due Date, from your Maya Wallet in Maya
Philippines, and other Maya Accounts under Maya Philippines.

If You are a director, officer, or employee, vendor, or service provider of Maya Philippines or
Maya Bank, or any of its Affiliates, You hereby authorize the automatic deduction from your fees,
salaries, wages, or receivables from Maya Philippines or Maya Bank, any unpaid MAD or TAD
on or after due date and no payment was received from You. We reserve the right to auto-
deduct either from your Maya Wallet, Maya Bank accounts or from your payroll, or other
receivables, whichever may be sufficient to cover the MAD and/or TAD of Your card with written
notice to You.

In all instances, we shall notify you of such deductions from any of your Maya Account through
the Maya app, email, or SMS, pay slip, or statement of accounts.

If the funds in your Maya Wallet, or other associated account, is insufficient, please immediately
pay the remaining balance of your TAD through the Maya app or at any Maya Center.
Otherwise, the TAD shall continue to incur late penalty fees and Maya Bank may exercise its
right to suspend or terminate your account. Maya Bank will continue to deduct the past due
amount and the late penalty fee from your Maya Wallet or any other Maya accounts daily or
upon cash-in to wallet or Your salary, fees or any receivables from Maya until the TAD is fully
paid.

Payment through Maya wallet or any mode authorized by Us, including any of Our accredited
payment centers, shall be considered as payment to us made on the same date. You have the
right to demand reversal of fees or charges imposed if considered late despite payment made
on due date. Any overpayment You may have made shall not earn interest and shall be applied
to payment of the succeeding TAD or MAD. In case of terminated or cancelled Card, we shall
credit to your Maya Wallet, if active, any such overpayment. If your Maya Wallet is inactive, any
overpayment that is unclaimed for more than one (1) month from the date of termination or
cancellation, we shall charge to Your account a monthly Account Maintenance Fee as stated in
the Table of Fees, until the Card balance is zeroed out.

7.5 ISSUER’S SERVICE FEE ON FOREIGN CURRENCY TRANSACTIONS

The Foreign Transaction Service Fee representing the issuer’s foreign exchange markup and
credit card network assessment Fee, shall apply to any of the following transactions using the
Card: foreign currency transactions, whether or not converted in Philippine currency, and
transactions charged in Philippine currency by a foreign acquirer at the point-of-sale. The fee
applies whether the transaction is made in or outside the Philippines, or online. The fee shall be
billed and payable in Philippine currency and is in addition to the card-network provider’s foreign
exchange rate on the date the transaction is posted.

7.6 OTHER CHARGES

Your failure to pay the TAD or at least the MAD on the relevant Due Date stated in the eSOA, or
Your failure to pay any other obligations (including interests, charges, taxes) which You owe to
us or to any of our Affiliates, shall render You in default under these T&C, without necessity of
demand from us which You hereby expressly waive. In case of Your default, You agree to
perforate Your Card and to pay, in addition to the interest and late charges, the following
additional charges, without prejudice, however, to our other rights and remedies under the law
and these T&C: (a) attorney’s fees of twenty five percent (25%) of the amount due if the account
is referred to a lawyer or to a collection agency; (b) liquidated damages equivalent to twenty five
percent (25%) of the unpaid amount, plus litigation expenses and judicial costs, if any, and (c)
such any other costs that we incurred for collection of Your obligation.

7.7 OTHER FEES

Card replacement fees, pre-termination fees, eSOA copy, and other fees are charged to Your
account, when applicable. All fees shall be charged per Card per occurrence or request.

7.8 TABLE OF FEES

For the complete and updated list of the applicable fees, please see the Table of Fees at
support.mayabank.ph and through your eSOA.
We may change these fees or how these fees are computed from time to time subject to ninety
(90) calendar days prior notice to You, unless earlier consented by You, through Your eSOA or
through our website link provided herein. If you find such changes unacceptable, you may
request for the cancellation of Your Card within the 90-day period of notice provided that You
pay in full the outstanding balance and new purchases, debits, and deferred installment pay
through one-time payment or subject to Our sole discretion, on installments within a fixed period
subject to interest.

8. Application of Your Payment

Any Card payment shall be applied in the following order (as applicable):

a. Cash Advance Fees

b. Penalty Fees
c. Other Fees
d. Annual Fees
e. Interest Charged
f. Installment Interest
g. Cash Advances
h. Purchases
i. Installment Principal

In excess of the payment for the minimum amount due and the fees and charges, Your payment
shall be applied to billed balance bearing higher rate of interest and the next billed balance
bearing the next higher rate of interest until Your payment is exhausted.

9. Delinquency and Offsets

You shall be liable for all charges, fees, and other obligations incurred through the use of the
CARD and all Supplementary CARD(s) and in the event of any delinquency, You authorize Us to
report and/or include the Your name, as well as Your Supplementary, in negative listings of any
credit information bureau or institution.

In the event of non-payment of the TAD or a portion thereof for 90 days despite receipt of the
eSOAs which serve as Our prior notices and demands to pay against You, and as such the
subsequent termination of the Card by Maya Bank, You agree that Maya Bank may offset any
amount due and payable on the Card against any of Your deposits with Maya Bank or funds in
Your Maya Wallet, Maya Crypto. In case that You are a director, officer, employees, vendor, or
service provider of Maya, any amount payable during the course of Your employment or upon
separation, any receivables or claims which We may have against You, including but not limited
to Your payroll, or other receivables from Us or Maya Philippines or any other funds You may
have with Maya Philippines, Inc, or Maya Bank. In all instances after deduction has been made,
We shall notify You in the Maya app, email, SMS, payslip or statement of accounts.

10. Solidary Liability

Your spouse: (i) who is a Supplementary, shall automatically become a surety and shall be
jointly and severally liable with You for all obligations and charges incurred through the Card and
the Supplementary Card(s) including any renewal thereof; and, (ii) in all other cases, shall be
jointly and severally liable for all obligations and charges incurred herein including (but not
limited to) all availments, advances, and charges using the Card and the Supplementary
Card(s) and any renewal thereof.

Likewise, You agree that You and the Supplementary Card Holder (other than Your spouse)
shall be jointly and severally liable for any and all transactions, cash advances, and applicable
fees and penalties that You have incurred through Card and the Supplementary Card including
all interests, penalties, fees and all other charges without the necessity of proof of signed
charged slips.

11. Changes to Interest, Fees and Charges

The rate of interest and/or late charges rate stipulated may be changed, increased, decreased
from time to time by us in the event of, among others, changes (for whatever reason) in the
interest rates prescribed by the Bangko Sentral ng Pilipinas (BSP) or in the international capital
markets, in the rediscount rate of member banks with the BSP, in the interest rates on savings
or time deposits or on bank’s borrowings, or in the market rates; or any law, circular, rule or
regulation is enacted/issued, or any circumstance has occurred, which has the effect of
increasing or decreasing our costs of funds, operating costs or intermediation costs, such as but
not limited to reserve requirements, taxes, salaries or charges. You further authorize us to
increase or charge additional service fees as it may deem necessary or advisable under the
circumstances to maintain the service to You. Any adjustment of the interest, late charges,
and/or service fees shall be binding on You on the date/s of effectivity as provided in our notice
which shall be no less than 90 calendar days from notice to you through Your eSOA. You have
the right to exercise Your right to refuse the adjustments by notifying Us in writing of Your
decision to terminate the Card within the 90-day period subject to Your full payment of the TAD.
Your failure to notify Us of your decision to terminate shall be construed as your agreement to
the adjustments.
12. Expiration, Renewal, Cancellation, Lost or Stolen Card.
12.1 Unless earlier terminated by Us, or Your voluntary cancellation, the Card shall be valid from
date of issuance or renewal and expires on the last day of the month of expiration as indicated
on the face of the Card. Renewal of the Card shall be at Our option. If the Card is not renewed
for any reason whatsoever, any outstanding balance in your Card shall become due and
demandable without need of further notice or demand to you. We likewise have the option but
not the obligation to reinstate Your Card privileges which have been terminated for any reason
whatsoever.

12.2 It is Your primary responsibility to protect the Card, including any virtual card accessible
through the app, at all times against loss, theft, fraudulent, or unauthorized use. In case of loss,
theft, suspected fraudulent or unauthorized use of the Card, You agree to promptly report the
incident to any of the Customer Service Touchpoints through the support web page
(www.mayabank.ph) or through the permanent cancellation or replacement feature in your Maya
App. You hereby expressly agree to be held liable for all purchases, cash advances, and
charges made or incurred from the use of the lost or stolen Card even if said transactions were
incurred without Your knowledge or authority. You agree for Us to charge reasonable fee for
replacement of the lost or stolen Card.

12.3 In case of loss or theft of any Maya account due to lost/stolen phone or SIM, or theft of e-
money due to fraud and/or scams, You shall immediately inform Maya of such loss or theft, via
Customer Service Touchpoints listed below or on our website.

12.4 Blocking of Your Maya account shall be after Maya has conducted security verification
and the submission of documentation, as applicable. All purchases and transactions made
through Maya prior to the report of loss or theft shall continue to be Your liability as the Maya
Account Holder.

12. 5 After You have reported the incident of lost or stolen phone or any fraudulent activities
and transactions on Your physical or virtual Cards, and You would like to reactivate your
account, You must be able to present the required substantiation documents, as needed upon
Maya Bank’s internal investigation.

12.6 The list of documents as required by Maya Bank and instructions on sending will be sent
through Your email or given through a phone call from Us.

12.7 If the account has been retrieved or reactivated, the remaining balance will automatically
be available on the Your wallet balance while for newly created account, the remaining
balances of Your Maya account, upon request, will be transferred to the new account.
12.8 The standard turnaround time for processing the foregoing request shall be three (3)
business days from the end of the investigation upon Your submission of necessary
documents required by Us and Your receipt of the formal result of such investigation.

13. Accredited Merchants

13.1 Maya Bank and its credit card network provider have accredited establishments to honor
the Card for various purchases or services. Notwithstanding these, Maya Bank shall not be
liable to You, if, for any reason, the Card is not honored by any Merchants whether accredited
by Us or not. You understand that You cannot solely rely on the Card for payment of Your
purchases and that You should always carry an alternative payment method.

13.2 You understand that the Merchant is fully responsible for its services or goods in the event
of Card transaction. The sale and purchase of the Merchant’s goods and/or services between
the Merchant and You shall be a contract between the You and the Merchant. You understand
that Maya Bank does not:

a. have any part in the performance of the Merchant’s obligations, such as the
obligation to provide the goods and/or services or to ship and deliver the same, in
the Card transaction;
b. in any way, own, create, engineer, manufacture, sell, resell, provide, control,
manage, offer, deliver, transfer or supply any of the Merchant’s goods and/or
services;
c. provide insurance of any kind in connection with the Merchant’s goods and/or
services; or
d. make any representations and warranties of any kind in connection with the
Merchant’s goods and/or services, express or implied, including any warranties
that the Merchant’s goods and/or services are accurate, complete, reliable
current, suitable, fit for purpose or error-free. The loss, damage, or any defects in
the goods and/or services supplied by the Merchant pursuant to the Card
transaction will not release You from any of the obligations imposed pursuant to
the Card transaction, such as those imposed under these T&C.

In view of the above, You agree that:

1. Your liability to Maya Bank is absolute and cannot be denied or suspended

by any pending claim or dispute between You and any Merchants.
2. Your obligation to pay the purchases, availments, and cash advances
together with all interests, penalties, fees, and other charges incurred
thereon, if any, arising from Your use of the Card (the “Total Amount Due
 or “TAD”) shall not be diminished by such pending claim or dispute with
any Merchants.
3. In cases of return of goods, tickets, and services obtained through the use
of the Card where the Merchant permits such return, You agree that (i) the
refund shall not be in cash; and (ii) Maya Bank shall credit Your account
for the refund.

You further agree to:

4. hold Maya Bank free and harmless against any and all claims arising from
the use of the goods and/or services, or any and all refund claims or
claims related to the quality, warranty, maintenance, and/or after sales
services of the goods and/or services subject of the Card transaction, with
the understanding that We or Maya Bank have no responsibility in respect
of any of these matters;
5. hold Maya Bank free and harmless against any and all claims relating to
the delivery of the goods and/or performance of the services or arising
from any failure, negligence, or delay in respect of the delivery of the
goods and/or performance of the services, with the understanding that
aforementioned delivery or performance is the sole and exclusive
responsibility of the Merchant;
6. Pay your TAD or MAD on or before Payment Due Date, notwithstanding
any damage to or loss of the goods, or any defects or non-performance of
the services provided by any Merchants, or any dispute between You and
the Merchant, or the existence of any of the claims described in this
section and in these T&C, including any claims for refunds, cash
advances, and other applicable fees or penalties. The Merchant’s policies
and procedures are binding in the occurrence of any such event.

14. Representations, Warranties, and Authentication

14.1 You represent and warrant that:

i. You are of legal age, of sound mind, able to contract in any kind of
contract, and possess no legal disability to apply for a Card and accept
these T&C;
ii. You do not have any criminal record of any kind;
iii. Your loans and obligations with other banks, lending, financing or credit
card companies and the like are updated and not delinquent as of your
Application Date for the Card; all documents You submitted are current,
authentic, and may be relied upon by Us;
iv. All communications You made to Us remain true, correct and accurate;
and,
 v. You entered into these T&C willingly and without influence or duress from
anyone.

14.2 The Card We issued to You may enable You to have a contactless feature which may be
used by tapping or waving the Card against an applicable contactless Point-Of-Sale (POS)
terminal. Similarly, Your payments for goods and services may also be performed offsite, i.e.
through Your mobile phone, phone message App, landline telephone, or internet, where You are
not physically present in a store or merchant’s premises when making a purchase as well as
such contactless transactions would not require any signature or other authentication on the
part of the Cardholder. Notwithstanding these transactions are still considered as authorized by
You as the Cardholder as We, or our applicable credit card network, or the Cardholder may set
limits or other restrictions from time to time.

14.3 You agree that it is Your responsibility to securely keep Your Card, Your PIN, Password,
3DS one-time passwords (OTPs), OTPs and CVV. The use of Your Card, PIN and/or Password
including 3DS OTPs, OTPs and CVV will serve as Your irrevocable authorization for us to carry
out transactions that You initiated. Any fraudulent or negligent activity by You, Your agents,
employees, officers, authorized representatives, and/or other third-parties using Your Maya
Credit Card, Your PIN, Password, 3DS OTPs, or OTPs such as but not limited to unauthorized
withdrawals or transfers, that may bring about financial losses to You is Your sole responsibility.

14.4 Once the payment transactions has been authorized and consummated, We will not be
held liable for any undelivered goods or non-performance of services, defects, damages, and
after-sales services of such goods and/or services, and/or any other dispute between You and
the Merchant arising from such payment. We will, however, where applicable, provide
assistance to You in resolving any disputes, subject to any applicable assistance fees or
charges which shall be communicated to You prior to assistance.

14.5 Your transactions are authorized when either one or all of the following conditions are met:

a.) Your signature appears on or is affixed on the sales slip for POS transactions;

b.) the password/authorization codes are successfully keyed-in for e-commerce, electronic,
and/or cellular phone-based transactions;

c.) SMS is sent from Your mobile phone;

d.) When You successfully unlocked Your Maya Account for internet based transactions;

e.) When You successfully entered Your payment details, such as but not limited to the following
information: card account number, expiration date, card verification code; or
f.) When You are authenticated by logging-in to the Maya App, Web Portal, or Platform, or when
You accessed through an accredited Third-Party platform channel.

The above-mentioned conditions shall be sufficient evidence that any and all activity was
validated, authorized and approved by You.

14.5 You acknowledge that in compliance with Republic Act No. 12010 or the Anti-Financial
Account Scamming Act (“AFASA”), We have the authority to temporarily hold Your funds subject
of a disputed transaction within the period as prescribed by law and implementing rules and
regulations issued by the BSP.

In compliance with the authority to hold the funds subject of a disputed transaction, You
acknowledge that We cannot be held administratively, criminally, and civilly liable in Our
exercise to hold the such funds.

You further acknowledge that upon the conclusion of relevant investigation of Maya Bank or
other requesting bank or financial institutions or upon instructions by the Bangko Sentral ng
Pilipinas or upon court order, Maya may permanently hold, suspend, freeze or block any of your
access to the disputed fund or your Account.

14.6 These T&C and other documents and instruments mentioned and related hereto, when
executed, shall be valid and binding upon You. For both your physical or virtual Card, the
provisions of Access Devices Regulation Act (R.A. 8484) governing the use of the credit card
and other access devices in commercial transactions shall apply.

15. Disclosure of Information and Data Privacy

15.1 You agree and allow Maya Bank to use, share, obtain, or update Your information provided
to Maya Bank and/or gathered by Maya Bank with the credit bureau or other external parties, as
well as any relevant government agencies, for underwriting and credit scoring, pre-due
reminder, collection, and other legitimate purposes.

15.2 You allow Maya Bank to disclose Your information to acquirers, credit card network or
association, collection agencies, counsels, Affiliates, or other agents or partners of Maya Bank
to carry-out all necessary, related or other legitimate transactions pertinent to Our issuance and
Your use of the Card.

15.3 You authorize Maya Bank, Affiliates, third-party service providers, and its official partners to
collect, hold, use, and process the personal information that You have provided directly or
indirectly in our data collection touchpoints relevant to the respective purposes furnished to You
in our privacy notices. With Your active use of our products and services, You hereby expressly
agree to the Data Privacy Statement of Maya Bank found in http://www.mayabank.ph/privacy
16. Collection

16.1 We shall have the right to appoint and authorize agent/s to perform reminder calls or send
messages via SMS, email, messaging apps, and social media accounts, among others, to collect all
and any sums due to Maya Bank from You. Maya Bank may appoint and authorize agent/s, which
may include but are not limited to a call center agency, business process outsourcing company,
collection agency, or law offices to carry out such collection calls. The authorization of any of these
agents shall be subject to a written notification via your registered email with Us, SMS, in-app, or
eSOA, by Maya Bank to You at least seven (7) banking days prior to the actual endorsement.

16.2 If We hire the services of an attorney and/or collection agencies, to collect the obligations in
these T&C and incur expenses arising from the same, We shall be entitled to recover from You, any
and all attorney’s fees and agency fees, in the amount incurred in connection with the collection of
the Total Amount Due.

17. Events of Default

Each of the following events constitutes an Event of Default, irrespective of the reason for its
occurrence and whether it is voluntary or involuntary or occurs as a result of any court order, law or
regulation:

a. Failure to fully pay the Total Amount Due (“TAD”) for at least three (3) consecutive
months, including any of the late penalty fee on the Principal Amount and/or other
charges and fees when any of such falls due;
b. Failure to properly perform any of the obligations arising from these T&C and other
documents and instruments mentioned and related hereto, or violation of any covenant
or provision in these T&C and other documents and instruments mentioned and related
hereto;
c. Submission to Maya Bank of any false or inaccurate information, representation or
warranty, or document, as well as the commission of any fraudulent activity;
d. Failure to update material information in your account;
e. Commission or threaten to commit a default or breach of any covenants, stipulations,
terms or conditions contained in these T&C or the documents pertaining to the Maya
Credit Card or the Maya Bank GT&Cs, or the Maya Wallet Terms and Conditions ;
f. Commission of any Event of Default in any of Your accounts or services availed with
Maya Philippines, Inc., or Maya Bank;
g. Use of the Maya Credit Card for non-personal transactions and/or restricted
transactions, such as but not limited to illegal gambling or games of chance and
transactions whose cause, object or purpose is contrary to law, public order, or public
policy;
h. Failure to furnish any information or documents required by Maya Bank;
i. Death or incapacity to fulfill your obligations;
 j. These T&C cease to be legal, valid or binding obligation because of change in law or
regulations;
k. Security breach of Maya Bank’s or the Affiliates’ systems, processes, or applications; or
l. Any other circumstance occurs which gives reasonable grounds for Maya Bank to
believe that you may not be able to perform your obligations under these T&C.

18. Consequences of Default

18.1 If an Event of Default occurs, then at any time thereafter, Maya Bank may, at its sole discretion,
without the need of notice or demand:

a. Impose a collection of interest, penalties or a one-time penalty as stated in the DS. The
applicable penalties, fees and charges shall be cumulative and be added to the Total
Amount Due on the Due Date.
b. Declare the unpaid Total Amount Due and all obligations, including any Unposted
Transaction and all fees, penalties, and interest accrued and unpaid thereon, if any, to
be immediately due and payable, without need of demand or further notice of any kind,
all of which are herein expressly and specifically waived by Maya Bank. At Maya Bank’s
option, take such action and exercise such remedies in order to protect and enforce its
rights under these T&C. The account in default will incur Late Penalty Fee on the
overdue principal amount starting from the day immediately following the Due Date until
full and final settlement of the overdue balance.
c. Perform collection activities, including but are not limited to, locating you or conducting
visits to your home and/or office address. Maya Bank, at its option, may also endorse
collection of the Total Amount Due, including all fees, penalties, and interest accrued
and unpaid thereon (if any), to a collection agency as may be provided under these
T&C.
d. Without need of notice or demand, you authorize Maya Bank to offset your obligations,
including but not limited to the Total Amount Due, applicable taxes, fees, and other
charges, as requested by Maya Bank, from your Nominated Maya Account, or any of the
accounts (e.g. Maya Wallet, Maya Savings, Maya Personal Goals, etc.) you presently
maintain with or later create with Maya Bank and/or Maya Philippines, Inc., until your
Total Amount Due and other fees and charges incurred in your account have been fully
settled and without need of notice or demand.
e. Recall and demand repayment of all sums you owe to Maya Bank in respect of other
facilities granted by Maya Bank.
f. Upon payment default, contact you using the contact details, social media account
name, and other methods you provided to Maya Bank, such as, but not limited to, SMS,
email, messaging apps, social media accounts, among others.
 g. Engage in reasonable means of skip tracing in the case that you are uncontactable via
the details or means of contact, and this includes to reaching out to nominated contact
references, field visits, etc.
h. Report your default to the credit bureau, which may affect your rating, and/or take legal
action against you.
i. Have the right to exercise, alternatively, successively, concurrently, and cumulatively,
any and all other rights and remedies now or hereafter available to it under these T&C
and the applicable laws.

18.2 In case of default in your use of the Card, and other credit facilities within Maya Bank or in
case of any form of breach of these T&C or applicable laws, Maya Bank may terminate,
suspend, or revoke your right to use your Maya Credit Card and other credit facilities within
Maya Bank, provided always that you shall remain responsible or accountable for any
omission, or actions taken through the use of your Card account before such termination or
suspension. Maya Bank reserves the right to reactivate or restore your account/s at its sole
discretion upon your compliance with its requests or upon considering copies of the relevant
records or documents provided by you, and at its discretion, Maya Bank may limit, restrict,
suspend or terminate your access to its system, application or platform, whether temporarily or
permanently.

20. Non-waiver of rights

20.1 Acceptance by Maya Bank of any payment after its Due Date or after an Event of Default
has occurred or after legal proceedings have been commenced against you shall not constitute
an extension of time for payment or a modification or novation of the terms of these T&C or in
any way prejudice or adversely affect Maya Bank’s cause of action against you.

20.2 Failure, omission, or delay on the part of Maya Bank to exercise its right or remedies under
these T&C shall not operate as a waiver. Any such waiver shall be valid only when reduced in
writing and delivered to you.

21. General Provisions

21.1 All notice requirements shall be as stated in these T&C. If We are required to send notice
to You, We shall do so through available channels including but not limited to, In-App
notifications, SMS (and other similar channels), email, or registered mail which shall be sent to
Your latest registered address in our record. Publication in Our website shall also be sufficient
notice, as may be required by these T&C.

21.2 We have the right to sell, transfer or assign any of its rights and obligations herein to any
person, company, or entity without need of Your consent. Any such sale, assignment, or transfer
shall conclusively bind You. You shall be bound to fulfil and perform all Your obligations to such
transferee or assignee, including the payment of the Total Amount Due. The transferee or
assignee shall have the authority to collect the amount due. In the event of such sale, transfer or
assignment, You hereby agree not to assert against Maya Bank set-off rights of any obligations,
which may be owed by Maya Bank to You.

21.3 In case any provision of these T&C shall be declared to be invalid, illegal or unenforceable
in any respect, the validity, legality or unenforceability of any other provision therein shall not in
any way be affected or impaired thereby.

21.4 The reminders and other provisions contained in the Card, the eSOA, Installment Plan
Contract, charge slips, other Card documents, other instruments or documents, such as rules
and regulations promulgated by Maya Bank relating to the use of the Card which You have been
notified, shall form part of these T&C and shall constitute the agreement between You and Maya
Bank.

21.5 These T&C and any other agreements we may have now or in the future relevant to the
Card shall be construed and governed in accordance with the laws of the Philippines.

21.6 In case of any dispute arising out of these T&C or Your use of the Card, You hereby
commit to resolve or attempt to resolve such dispute promptly and in good faith. In case of
failure to settle the dispute, You agree to the exclusive jurisdiction of the appropriate courts of
Mandaluyong City, Philippines, to the exclusion of all other courts. You hereby waive any
objection to such jurisdiction or venue.

21.7 You understand that the Merchant is solely and exclusively liable for any obligations arising
from and in connection with the provision of the goods and/or services subject of the Maya
Credit Card transaction. Any additional fees charged by the Merchant in connection with the
Maya Credit Card transaction are charged or imposed by the Merchant in its sole discretion and
do not represent any fees charged or imposed by Maya Bank to you.

21.8 Unless restrained or directed otherwise through a written order by the Bangko Sentral ng
Pilipinas (BSP), Anti-Money Laundering Council (AML) and other regulatory bodies, a court, or
government agency of competent jurisdiction, We shall have the right to automatically suspend
or block the transaction or any of your Card/account if We have reason to believe that the
transaction or the account may be illegal, used for fraudulent or suspicious purposes, or by an
unauthorized person or if any of the other accounts maintained with Maya Bank or Maya
Philippines, Inc., such as the Maya Wallet, is also suspended or blocked. We may, but shall not
have the obligation to, inform you prior to suspending or blocking the transaction pursuant to
this clause if such suspension or blocking is due to actual or suspected violation of relevant laws
or regulations, which may include, but is not limited to, the Anti Money Laundering Act (AMLA).
You acknowledge the authority of Maya Bank to suspend or block the transaction and the
closure or termination of the Card and accordingly, you shall hold Maya Bank free and harmless
against any and all consequences of such suspension or blocking, or any loss or damage which
you may suffer as a result thereof.

21.9 Maya Bank may at any time and for whatever reason it may deem proper, amend, revise,
or modify these T&C, which shall only be implemented sixty (60) days after notice to you. You
agree that for purposes of these T&C, publication of the revised T&C in Maya Bank’s website
shall be considered as sufficient notice. It is your responsibility to regularly check any changes
to these T&C. Your continued use of Maya Bank’s services, availment of its products, and
continued maintenance of your Card after any such changes constitutes acceptance of the new
and updated T&C. Failure to notify Maya Bank of your intention to terminate your Card shall be
construed as acceptance of the amendments to these T&C. All communications, transactions,
and dealings with Us shall be subject to the latest version of these T&C in force at the time.

22. Customer Service Touchpoints

At Maya Bank, We consider our customer’s financial questions, needs and feedback as very
important. If You have any concerns about Your Card, we will do our best to address it within ten
(10) banking days. Should Your concern require more time to be resolved, we will update You
every step of the way.

You may contact our Customer Service through the channels listed on
www.mayabank.ph/contact-us/:

You have our assurance that we will handle Your concerns, feedback and information with
utmost confidentiality and will strive to resolve them as soon as possible.

Maya Bank is regulated by the Bangko Sentral ng Pilipinas: www.bsp.gov.ph

Annex A

Landers Cashback Everywhere Credit Card by Maya

(“Program”)
This Maya Landers Co-Branded Credit Card Program Annex A Terms and Conditions
(this “Landers Annex A”) shall govern the issuance and use of the Maya Landers Co-
Branded Credit Card as a supplement to the above Maya Credit Card Terms and
Conditions (“T&C”). You agree to abide by both this Landers Annex A and the T&C.

In case of any conflict between the terms set out in this Landers Annex A to the T&C,
the terms in this Landers Annex A shall prevail insofar as specifically set-out herein.

All references to “Credit Card” or “Card” in this Landers Annex A shall refer to the Maya
Landers Co-Branded Credit Card.

1. Landers Membership

1.1 You are qualified in the Program at the time the Landers Cashback Everywhere
Credit Card by Maya is issued to you. You understand that by availing of the Credit
Card, it is both a Landers Membership and a Maya Bank Credit Card in one. Privileges
for the use of the Credit Card includes Landers Superstore Membership (membership),
cashbacks, rewards, and loyalties.

1.2 Terms and conditions in relation to the use, fees, and privileges of your Landers’
membership are managed by Landers Superstore.

1.3. You understand that to enjoy the privileges of the Credit Card, you must be also an
active member of Landers Superstore. Thus, by availing this Credit Card you agree that
membership renewal fees will be settled via auto-charging your Credit Card.

1.4. Subject to the Terms and Conditions of Your Landers Superstore membership,
upon expiration of your Landers’ membership, you will automatically be charged through
your Credit Card for your Landers membership renewal fee. The amount of the
membership renewal fee will be based on the prevailing rate at the time of charging, as
determined by Landers Superstore. Charges for automatic renewal of your membership
is based on the expiration date of your membership with Landers Superstore, not by the
issuance date of your Credit Card. If the issuance date of your Credit Card coincides
with the start date of your membership, then you will be automatically charged upon
expiration on that coinciding date.
2. Cashback/Rewards/Points

2.1 Purchases from qualified Merchants will add to Your Qualifying Spend when the
transaction is posted to Your account. The Qualifying Spend and the rate of cashback
earned shall reset on the 1st day of every month.

2.2 Transactions that do not qualify as Qualifying Spend or will not be earning cashback
points shall include wallet top-up, cash advance, quasi cash, casinos/gambling, petrol,
supermarket, pharmaceuticals, government, utilities, telecommunications, all Credit
Card fees and charges, and such other transactions as We may exclude from time to
time.

2.3 Cashback points or points conversion: Points are awarded once transactions are
posted to your account. Cashback points earned will be automatically credited to your
account once the transaction is posted. Points can be used directly to redeem at any
Landers Superstores replacing the voucher system. We will issue an advisory prior to
migration to the points system. Under the voucher system, redemption can only be done
at a minimum of 500 points worth of vouchers. During the transition from voucher to
points system, points can be redeemed in less than 500 increments until We issue an
advisory to revert to the minimum redemption of 500 points. We will issue a separate
advisory prior to implementation.

2.4 Cashback points or vouchers are non-transferable and non-convertible to cash. You
can only earn cashback points if your Credit Card account is active and in good credit
standing. Cashback points or vouchers are non-transferable and non-convertible to
cash.

2.5 Cashback points or vouchers shall be awarded depending on the Merchant

Category Code (MCC) of the merchant assigned or tagged by the Acquirer. Based on
the MCC tagging of the POS Terminal used for the transaction, there may be payment
scenarios wherein cashback points awarded or earned might be lower/higher or not
applicable.

For transactions made within Landers Superstores, cashback points or vouchers will
only be awarded for transactions made using Maya POS Terminals. Transactions made
within Landers using non-Maya POS Terminals will not earn any cashback points or
vouchers.

The cashback points feature for spending categories are as shown:

Landers (using only Maya POS terminals) up to 5%

Dining (using any terminal)* up to 2%
 Retail (using any terminal)* up to 1%
There shall be no cashback points or vouchers if the used is terminal is tagged as
excluded and/or blacklisted Merchant Category Code (MCC). Blacklisted MCC
industries shall include but may not be limited to adult content, dating and escort
services, adult entertainment, arms and ammunition, cannabis and marijuana
products, horoscopes and fortune-telling, gambling, lottery, and casino.

2.6 Cashback points earned from the above-mentioned categories may be modified or
changed by Us, at Our sole discretion, from time to time without further notice.

2.7 Cashback points earned shall be rounded-off to two (2) decimal places.

2.8 We reserve the right to disqualify cashback points for any transactions that do not
meet the eligibility criteria. This includes, but is not limited to, transactions that:

a. do not meet the required minimum spending threshold;

b. are made at ineligible merchant categories (e.g., gambling, petrol, or

government services);

c. are processed incorrectly, including errors in amounts or duplicate charges;

d. are identified as fraudulent or suspicious;

e. are unauthorized by You;

f. are later reversed, refunded, or charged back;

g. occur when the Your Credit Card account is not in good standing due to
overdue payments or suspension;

h. involve cash advances, money transfers, or other quasi-cash transactions;

 i. are made using non-eligible payment methods (e.g., third-party platforms that
are not approved);

j. credit card fees and charges; and,

k. fail to meet any other specific requirements or exclusions outlined by the

Program.

2.9 If a transaction for which cashback points have been earned is subsequently found
disqualified, the corresponding cashback points will be deducted from Your available
points balance. If Your available cashback points are insufficient to cover the amount to
be clawed back, the equivalent cash value of the shortfall will be charged to Your Credit
Card account. You will be notified of any deductions or charges made. You may contact
Us to dispute any erroneous deductions.

2.10 The cashback points to be clawed back or the amount to be charged to your Credit
Card will be computed as follows:

i. For retail transactions outside Landers Superstore, a fixed rate of 1% of the

refunded amount, based on the merchant category code;

ii. For dining transactions outside Landers Superstore, a fixed rate of 2% of the
refunded amount, based on the merchant category code.

iii. For transactions within Landers Superstore, a fixed rate of 5% of the refunded
transaction, regardless of the original cashback rate.

You understand that since cashback rates vary by category, the value of the points to be
clawed back may be higher or lower from the cashback You originally earned.

We reserve the right to adjust your cashback points balance or charge your Credit Card
account as necessary, in accordance with this Landers Annex A and the T&C.
2.11 If You do not dispute the number of cashback points within 30 days from posting of
the points earned, the cashback points earned as reflected in Your Maya App shall be
deemed correct, final and binding upon You unless We subsequently add, reverse or
deduct the cashback points earned due to erroneous crediting or any necessary
adjustment.

2.12 Cashback points or vouchers may only be redeemed at Landers Superstore using
Maya POS terminals. Cashback points or vouchers may be used together with Your
Credit Card, Maya Wallet QR or Maya debit card payment if the voucher or cashback
points amount are insufficient for the total amount of purchase.

2.13 The cashback points or vouchers can only be redeemed within its validity period as
reflected in the Maya App.

2.14 The total annual cashback points to be earned shall be maximum of 200,000
points across all categories. Any excess points beyond this maximum limit shall be
forfeited. The annual period refers to the calendar year from January 1 to December 31
of each year.

2.15 Any unused cashback points or vouchers shall also be forfeited after voluntary or
involuntary cancellation of the Credit Card.

2.16 Maya Bank reserves the right to suspend or disqualify you from further
participation in the Program if in its judgment, you have violated this Landers Annex A or
the T&C. Suspension or disqualification from the Program shall include forfeiture of all
earned cashback points or vouchers. Violations may include, but are not limited to
fraud, abuse of rewards, or failure to Your outstanding balance beyond the due date.
You will be notified of any suspension or disqualification, including the forfeiture of
earned cashback points or vouchers. You have the right to dispute the suspension or
disqualification or forfeiture of cashback points by reaching out to us through our Help
Center on the Maya App.

2.17 We reserve the right to amend, modify, or supplement this Landers Annex A or to
discontinue or terminate the Program or any part thereof upon notice to You.

Annex B - Maya Black Credit Card Program (“Maya Black Program”)

This Annex B of the Maya Credit Card Terms and Conditions shall be the Maya Black
Credit Card Loyalty Program Terms and Conditions (this “Maya Black T&C”) which shall
govern the issuance and use of the Maya Black Credit Card. This Maya Black T&C shall
be suppletory to the above Maya Credit Card Terms and Conditions (“MCC T&C”). You
agree to abide by both this Maya Black T&C and the MCC T&C (collectively, these
“T&Cs”). In case of any conflict between the terms set out in this Maya Black T&C to the
MCC T&C, the terms in this Maya Black T&C shall prevail on matters specifically stated
in the Maya Black T&C.

The terms and conditions of specific providers of services relevant to the Maya Black or
the Maya Credit Card (i.e. airline miles, lounges, Dragon Pass, etc.) shall likewise apply
and shall be suppletory to these T&Cs.

All references to “Credit Card” or “Card” in this Maya Black T&C shall refer to the Maya
Black Credit Card.

1. Security Deposit (“SD”) and Secured Credit Card

1.1 SD is a regular interest-bearing deposit account which You will open in Maya
Bank for the sole purpose of being issued a Secured Credit Card. The
prevailing interest rate of Your SD is published on the Maya website.

1.2 The Maya Black Secured Credit Card is guaranteed by your SD.

1.3 DEED OF ASSIGNMENT: YOUR SPECIAL ATTENTION IS DRAWN TO THIS

CLAUSE

Deed of Assignment of Your Security Deposit (SD) to Maya Bank, Inc.

With respect to the SD which you have opened, You hereby agree to
irrevocably assign such SD and all amounts therein to Maya Bank. You
agree that you shall not terminate the SD or withdraw or transfer any
amounts therein until released by Maya Bank. By virtue of this
Assignment, You hereby authorize Maya Bank to hold-out Your SD or to
place such SD on hold and that You shall not withdraw, dispose of, further
encumber, close or terminate or impair the said SD and the hold-out
amount therein. In all instances, the termination, withdrawal, or transfer
of any amount in the SD shall be equivalent to cancelling your Secured
Credit Card.

In the event of default in payment of Your Secured Credit Card’s

outstanding obligations, in accordance with these T&Cs, You hereby
irrevocably authorize and empower Maya Bank to debit the hold-out
amount for the settlement of Your outstanding Secured Credit Card
obligations. To give effect thereto, You hereby waive any of Your rights
under the Law on Secrecy of Bank Deposits (Republic Act 1405).
 In case of termination or cancellation of Your Secured Credit Card, after
Your payment in full of your Outstanding Balance or after Maya Bank
debit the appropriate amount from your SD, any remaining balance shall
be released net of applicable charges and fees within thirty (30) days from
termination or cancellation of your Secured Credit Card.

By electronically agreeing to these T&Cs, you agree to the foregoing

Deed of Assignment of your Security Deposit without need of separate
execution in writing.

1.4 Credit Limit – Upon availing of the Security Deposit, you agree that Maya will
assign you a credit limit equivalent to 80% of your Security Deposit and can
anytime adjust this limit with notice to You. You also agree that subsequently
adding funds to the Security Deposit does not automatically increase your
credit limit in lieu of Maya’s credit review guidelines. Maya Bank further
reserves the right to conduct re-assessment of Your credit limit periodically.

1.5 SD Cancellation – You may cancel your SD anytime. However, Maya will only
be able to release your funds after thirty (30) days upon confirmation by Maya
Bank that all Credit Card outstanding balance which includes balance from
previous statement, new purchases, installment amortization, interests and/or
penalties outstanding balance have been fully settled.

1.6 In the event that your Secured Card becomes past due and has remained
delinquent after a given period, Maya has the right to release your SD to pay
off your Secured Card obligation. Under this circumstance, your Secured Credit
Card will automatically get cancelled.

1.7 Applying for another SD after a previous Secured Credit Card cancellation does
not guarantee being approved for a subsequent Secured Card.

1.8 Default and Delinquency: In the event that your Secured Credit Card account
becomes past due, Maya Bank will notify you of the outstanding balance and
provide an opportunity to settle the overdue amount. Should your account
remain delinquent beyond the specified period, Maya Bank reserves the right
to use the Security Deposit (SD) to pay off any outstanding obligations.

1.8.1 Notification of Delinquency: You will be notified by Maya Bank via

email, SMS, Maya in-app, and/or other communication methods
before any action is taken to debit your SD. This notice will include:
1.8.1.1 The amount of your outstanding balance
1.8.1.2 Any applicable fees, penalties, and interest charges that
have accrued
1.8.1.3 A clear deadline for payment before the SD is debited to
settle the balance
 1.8.2 Use of Security Deposit: If the outstanding balance remains unpaid
after the specified period, Maya Bank will debit the necessary
amount from your SD to cover the full outstanding balance, including
any accumulated interest, fees, and penalties. The Secured Credit
Card will be automatically canceled upon this action.

1.8.3 Right to Settlement: If you have any disputes regarding the

outstanding balance, fees, or penalties, You have the right to raise a
dispute with Maya Bank within 5-7 business days for secured card
related disputes from the date of your eSOA. In such cases, Maya
Bank will review the dispute and provide a resolution. Maya Bank will
suspend any action to debit the SD until the dispute is resolved,
provided the account remains active and in good standing during the
review.

1.8.4 Cancellation of Secured Credit Card: Once your SD is debited,

your Secured Credit Card will be automatically canceled. In the case
of card cancellation due to non-payment or default, you are still
responsible for paying any remaining balance. Your SD will be used
to settle these dues, and if the amount in the SD is insufficient, you
will remain liable for the balance.

1.8.5 Final Settlement and Release of Security Deposit: Upon full

payment of your outstanding balance (including fees and penalties),
or if Maya Bank uses the SD to settle your obligations, any remaining
balance in the SD will be released to you within thirty (30) calendar
days, net of applicable fees and charges.

2. Maya Miles and Rewards Loyalty Program (“Loyalty Program”)

2.1 Eligibility
a. Only Maya Black Cardholders in active and in good credit standing, are eligible to
earn Maya Miles that can be used to redeem different rewards items, services, or
privileges;
b. Only the primary cardholder can redeem from the Loyalty Program; and,
c. The Cardholders can earn points only if the Card is active and in good credit
standing.

2.2 Maya Miles Earning

a. Your Maya Black Credit Card will earn 1 Maya Mile (rounded down to whole
numbers) for every posted and qualified transaction, as defined in each tier as
shown in the Maya App-Maya Black Cards Tab as follows:
Tier 1 PhP 40 spend earns 1 Maya Mile

Tier 2 PhP 30 spend earns 1 Maya Mile

 Tier 3 PhP 20 spend earns 1 Maya Mile

b. Maya Miles earned by Cardholders for purchases made per Tier may be modified
or changed by Us, at Our sole discretion, from time to time with notice to You.

c. Maya Miles may also be earned through any of the following modes:
i. Programs with Maya participating Preferred Merchants as shown in the
Maya App, where Cardholders can earn Bonus Maya Miles. Program
details can be found in the Maya App as maybe updated from time to time;
ii. Other thematic Maya Black Credit Card initiatives where bonus Maya
Miles can be earned; and
iii. Other activities for the Loyalty Program as may be initiated by Maya.

d. Transactions that are not part of Qualifying Spend include wallet top-up, cash
advance, money transfers, quasi cash, casinos, gambling, government, utilities,
telecommunications, all Credit Card fees and charges, credit adjustments, in-
house installment transactions such as Transaction Installment Conversion and
SOA Balance Installment Conversion and such other transactions as We may
exclude from time to time.

e. The number of Maya Miles awarded per transaction shall be subject to the MCC
tagging of the POS terminal used. As a result, Maya Miles awarded may vary, and
in some cases, may not be applicable.

f. We reserve the right to disqualify Maya Miles earning for any transactions that:
i. are processed incorrectly, including errors in amounts or duplicate
charges;
ii. are identified as fraudulent or suspicious;
iii. are unauthorized by You;
iv. are later reversed, refunded, or processed via charged back;
v. occur when Your Credit Card account is inactive or not in good standing
due to overdue payments or suspension;
vi. are made using non-eligible payment methods (e.g., third-party platforms
that are not approved);
vii. if the terminal used in the processing of the transaction is tagged as
excluded and/or blacklisted Merchant Category Code (MCC); and
viii. failed to meet any other specific requirements or exclusions outlined by
the Program.

2.3 For Your straight charge transactions converted to Installment Plan, no Maya Miles
shall be earned subsequently as this has been posted when the straight charge
transaction was posted.
2.4 If a transaction for which Maya Miles has been earned is later found to be ineligible
under the Maya Black T&C, the corresponding Maya Miles shall be clawed back from
Your available Miles balance.

2.5 We may, from time to time, amend or update the Loyalty Catalogue (which includes
the list of rewards, services, and privileges available for redemption) at our discretion.
Any changes to the Loyalty Catalogue will be communicated to you in the Maya app
through a cardholder advisory.

2.6 If Your available Maya Miles is insufficient to cover the amount to be clawed back, the
equivalent cash value of the shortfall will be charged to Your Credit Card account on the
next billing statement. You will be notified of any deductions or charges made. You may
contact Us to dispute any erroneous deductions.

2.7 The Maya Miles to be clawed back or the amount to be charged to your Credit Card
will be computed as follows:
i. For cardholders currently at Tier 1, a fixed conversion rate of 1 Maya Mile :
PhP40;
ii. For cardholders currently at Tier 2, a fixed conversion rate of 1 Maya Mile :
PhP30; and
iii. For cardholders currently at Tier 3, a fixed conversion rate of 1 Maya Mile :
PhP20.

2.8 You understand that since Maya Miles rates vary by tier and there may be a transition
lag time when moving from one tier to the next, the value of the Maya Miles to be clawed
back may be higher or lower from the Maya Miles You originally earned. We reserve the
right to adjust your Maya Miles balance or charge your Credit Card account as necessary,
in accordance with these T&Cs.

2.9 If You do not dispute the number of Maya Miles within thirty (30) days from posting of
the Maya Miles earned, the Maya Miles earned as reflected in Your Maya App shall be
deemed correct, final and binding upon You unless We subsequently add, reverse or
deduct the Maya Miles earned due to erroneous crediting or any necessary adjustment.

2.10 We may, from time to time, amend the Loyalty Catalogue, with notice to You.

2.11 We reserve the right, at any time, to terminate the Maya Miles Loyalty Program,
with notice to You.

3. Maya Black Tiering

3.1 Maya Black Tiers consist of different features and benefits per Tier as shown in the
Maya App. We reserve the right to set the criteria, qualifications, removal and/or change
the terms and conditions in relation to user Tiering with notice to You.
3.2 You may be upgraded to Tier 2 or straight to Tier 3 directly by availing of Paid
Subscriptions once available and as long as the other criteria and qualifications are
met. Paid Subscriptions allow the Cardholder to enjoy benefits of the succeeding Tiers
(Tiers 2 and 3) by paying the required fees.

3.3 We reserve the right to suspend or disqualify you from further participation in the
Loyalty Program if in our judgment, You have violated this Maya Black T&C or the MCC
T&C or the applicable terms and conditions of Our partners or service providers.
Suspension or disqualification from the Loyalty Program shall include the forfeiture of all
earned Maya Miles. Violations committed by You may include, but are not limited to
fraudulent transactions, abuse of rewards, misuse of Maya Miles through unauthorized
transfers or resale, or failure to pay Your outstanding balance beyond the due date. You
will be notified of any suspension or disqualification, including the forfeiture of earned
Maya Miles. You have the right to dispute the suspension or disqualification or forfeiture
of Maya Miles within 30 days from the issuance of Our notice by reaching out to Us
through Our Help Center on the Maya App.

4. Transacting with Maya Black Credit Card Preferred Merchants

4.1 Transactions with Preferred Merchants shall fall under the Preferred Merchants
Maya Black Credit Card (MBCC) Program or Preferred Merchants MCC Program. It is
open to Maya Black Credit Cardholders who are active and in good credit standing at
the time of the qualifying transaction. (“Participant”).

4.2 Maya shall be solely responsible for identifying partner merchants (“Preferred
Merchants”) which will participate in the Preferred Merchants MBCC Program. Preferred
Merchants may have varying multiplier for Maya Miles to be issued to Participants for
Qualifying Transactions. (“Miles Multiplier”).

4.3 Only transactions completed by Participants in Preferred Merchants within the

Partnership Period, as specified in the Maya App, using a Maya Black Credit Card will
be qualified to receive Bonus Miles

4.4 Maya reserves the right to indicate additional criteria or terms for Qualifying
Transactions for each Preferred Merchant. Cardholders shall be notified of such
additional criteria, if any, through the Maya app.

4.5 Refunded transactions made through the Maya app will not qualify for this program.
Maya reserves the right to refuse and withdraw the earning of Maya Miles to accounts
that are proven to be invalid or fraudulent including but not limited to abuse of system or
weakness in the promo to earn bonus Maya Miles.

4.6 Should the qualified transaction be refunded or cancelled, whether by the

Cardholder, any Merchant or by Maya, Maya reserves the right to withdraw the Bonus
Miles awarded.
4.7 A Participant who completes a qualifying transaction will be eligible to receive: 1.
Baseline Maya Miles based on completed transaction amount; and, 2. additional Maya
Miles (“Bonus Miles”) based on transaction amount and Miles Multiplier of the Preferred
Merchant. Example:

Participant spends PHP1,100.00 using their Maya Black Credit Card at a Preferred
Merchant offering 2X Miles Multiplier, then:
i. Participant is eligible to earn 27 Baseline Maya Miles from that transaction or
1 Mile for every PHP40.00 spent as part of the Maya Black Credit Card
Loyalty Program
ii. Participant will also be eligible to earn 27 Bonus Miles from the same
transaction as part of the Preferred Merchants MBCC Program
4.8 Bonus Miles earned by Participants will be treated as equivalent to Maya Miles
earned under these T&Cs.

4.9 Bonus Miles will be credited to the Participant upon successful posted transaction.
Participants will be notified of the Bonus Miles earned transaction as reflected in the
Maya App.

4.10 Maya is fully responsible for the operation of the Maya Black Credit Card, the Maya
App, and the management and fulfillment of the Maya Miles earning and redemption.
Accordingly, the following disqualifications and limitations shall apply:
1. The Preferred Merchants MBCC Program is applicable to unique Maya Black
Credit Cardholders only. Cardholders who will be found with duplicate accounts
and who will be blacklisted after credit card issuance are disqualified from
participating in any Maya Black Credit Card Programs.
2. Maya reserves the right to cancel the Bonus Miles and cancel the Credit Card if
proven to be a duplicate or blacklisted account.
3. Maya reserves the right to refuse the awarding of Maya Miles and cancel the
Credit Card that are suspected to be invalid or fraudulent, or a result of gaming
(i.e. abuse of system or weakness in the promo to earn bonus Maya Miles.

4.11 The Bonus Miles earned by the Participant shall be deemed final unless the
Cardholder files a complaint within thirty (30) days from the receipt of Maya Miles.

5. Maya Miles Redemption

5.1 Maya Miles, as reflected in the Maya App, can only be redeemed within its validity
period of two (2) years from the time these are earned.

5.2 Maya Miles may only be redeemed at participating merchants and Maya Preferred
Merchants using Maya POS terminals or Maya in-app catalogue. The list of Maya
Preferred Merchants may be viewed on the Maya App.
5.3 Maya Miles redemption may be used to pay together with other Maya Credit Card,
Maya Wallet QR, or Maya debit card payment if the equivalent amount of Maya Miles is
insufficient for the total amount of purchase.

5.4 The Loyalty Catalogue found on the Maya App, as may be updated from time to
time, shall define the Maya Miles requirement for redemption. The Loyalty redemption
items or services available for redemption shall be limited only to those found in the said
list/catalogue, as displayed in the Maya App.

5.5 Once redemption is transacted and processed, You can no longer revoke, refund or
otherwise cancel Your redemption. Maya or Airline Partner or service providers reserve
the right to revoke Your redemption of Maya Miles in cases of unauthorized transactions,
fraud or violations of these T&Cs or any applicable terms and conditions of the airlines or
service providers. In case of system errors from Maya or a third-party airline partner, Maya
will make the necessary adjustments to correct errors.

5.6 Maya is not the supplier of the products and services offered as awards or privileges
redeemable by You so it will not accept liability in relation thereto. Maya will bear no
responsibility for resolving any disputes concerning any goods or services received by
You by virtue of the redemption of Maya Miles.

5.7 Any unused Maya Miles shall also be forfeited after voluntary or involuntary
cancellation of the Credit Card.

6. Airline Miles Redemption

6.1 For airline miles, You must be enrolled in the participating mileage program prior to
redemption. You may contact the respective airline miles provider for confirmation.

6.2 Maya Miles that have been converted to airline miles cannot be converted back to
Maya Miles.

6.3 Airline miles cannot be exchanged for cash or credit under any circumstances and
are subject to the terms and conditions of the participating airlines or aggregator
partner.

6.4 You are subject to, and must comply with, the terms and conditions of the
participating mileage program in which You are enrolled in.

6.5 You may redeem Airline miles using the Maya Miles accumulated based on the
required Maya Miles indicated in the Loyalty Catalogue.

6.6 The Maya Miles requirement for airline miles may vary per Airline partner.
6.7 Any request for redemption of Maya Miles is deemed to include an automatic
authorization to Maya Bank to give out any of Your necessary information to Our
supplier, merchant, agent, and/or contractor to complete the redemption process.

7. Conditions of Use for the Complimentary Airport Lounge via DragonPass

Lounge Service

The Maya Credit Card Complimentary Airport Lounge Access Program (“Lounge
Program”) refers to the program whereby Qualified Cardholders will be given
complimentary DragonPass access to select worldwide airport lounges (list found in-
app) through DragonPass Global Limited (“DragonPass”).

7.1 Definition of Terms:

a. Digital Membership Card or Means of Access - means the digital version of

the Dragon Pass Card which upon generation and activation from the Maya app
provides card-free access to the Airport Lounges in the Program

b. DragonPass Affiliates or Lounge/s - means any participating outlets where the

Maya complimentary lounge can be accessed.

c. DragonPass Program means collectively the service programs offered by

DragonPass which includes without limitation, the Lounge Program

d. Lounge/s - means a third-party provider of airport or travel lounges which are

available to Maya Black Credit Cardholders as part of its product features.
e. Qualified Cardholders or Cardholders refer to cardholders who meet the
following criteria:

i. Principal credit cardholders of Maya Black whose credit card accounts are
active and in good credit standing; and,
ii. Not prohibited under applicable Gifts, Anti-Bribery and Corruption laws,
regulations, and policies from qualifying for this privilege.

7.2 The Dragon Pass Lounge Program:

a. DragonPass is in the business of providing global airport lounge services, global
airport restaurants’ discounted dining, global airport discounted spa services, and
other travel-related services at preferred rates.

b. The list of the DragonPass Participating Outlets specific to the Program will be
reflected on the DragonPass Website, subject to variation at any time upon
uploading by DragonPass without any notice to Client or Users.
7.3 The access and utilisation of the DragonPass API’s by the Users are subject to the
Dragon Pass Standard Terms and Conditions of Use (which includes DragonPass’s
Privacy Policy). For the avoidance of doubt, all Users must agree to and abide by all
provisions of the DragonPass Standard Terms and Conditions of Use (including
DragonPass’s Privacy Policy) before a User is permitted to access to use any
DragonPass services and products (including without limitation the purchase of
products or services via the DragonPass Website).
7.4 The Dragon Pass Standard Terms and Conditions of Use (which includes
DragonPass’s Privacy Policy) may be amended and/or varied by DragonPass in its sole
discretion at any time without notice or liability to Client or Users. DragonPass is not
obliged to inform the Client or Users of any such changes individually. The updated
Dragon Pass Standard Terms and Condition will be available on the DragonPass
website at www.dragonpassgo.com, and Client shall notify Users of their responsibility
to check the Dragon Pass Standard Terms and Conditions of Use regularly as continued
access to or use of the DragonPass Website, the DragonPass Program, and/or any
other services or products of DragonPass shall constitute User’s agreement to such
amended Dragon Pass Standard Terms and Conditions.

7.5 The Airport Lounge access is only valid as long as the Cardholder’s account
remains active and in good credit standing with Maya.

7.6 The Airport Lounge access is non-transferable. The access may only be used by the
Cardholder whose name appears on the DragonPass e-Card which can be viewed on
the Maya App. Only one DragonPass account may be used by the Cardholder for each
lounge visit.

7.7 The Program grants Qualified Cardholders the following:

a. Four (4) complimentary visits per year which can be availed once per quarter
as part of the Maya Black Credit Cardholder Tier 1 level program benefits to
select lounges within the DragonPass network (refer to the list of the lounges
for complimentary use in the Maya Black website/Maya App.

b. Complimentary Visits:
i. May be availed of by Qualified Cardholders with local and international
flights.
ii. May only be used at select lounges in the following airports (Refer to
Annex 1 for the full list of lounges).
iii. Will only be valid at the time of availment. Upon generation of the Lounge
Pass at the Maya App, Maya checks in real-time if cardholder is in active
status and in good credit card standing.
iv. Are not cumulative and will be forfeited if unused per quarter.
v. Will be replenished every Maya credit card anniversary provided that the
Maya Black Credit Card account is active and of good standing.
7.8 To avail of the airport lounge access, the Cardholder and, if applicable, the
permitted guest, must present the following as “Means of Access”:

a. Boarding pass for the international flight;

b. Passport; and
c. Digital Membership Card

7.9 Use and expiry: Means of Access is non-transferable, and Cardholder can only
use the Means of Access upon agreement of the Card terms and conditions. Means of
Access may not be used by any person other than the Credit Cardholder and only one
Means of Access may be used for each visit to a Lounge. Dragon Pass or airport lounge
may limit the number of times Customer can use their Means of Access to enter a
Lounge within a time period and within the same arrival or departure location, this has
been set as a Maya will not be liable for any costs incurred by the Cardholder as a
result of such restriction.

7.10 Documentation: Admittance to the Lounge is strictly conditional upon

Cardholder’s possession of (i) a valid Means of Access; (ii) a valid boarding pass; and,
(iii) any additional identification that the Lounge may require from the cardholder and
their guests, which may include passport, national identity card or driver’s license.
Ineligible Means of Access, photograph of Means of Access or provision of card number
will not be accepted as substitutes for the Means of Access. Some Lounges in Europe
are located within designated Schengen areas of the airport which means that access is
only provided to these locations if Cardholder is travelling between Schengen countries.

7.11 Use of Lounge or Merchant: When presenting the Means of Access on entering a
Lounge, staff will either electronically scan or take an imprint of the Means of Access
and may issue a ‘Record of Visit’ voucher to the Customer, where applicable, or make a
log entry. If requested, Cardholder must sign the Record of Visit voucher or confirm by
signing the electronic reader, as applicable. The electronic record of Customer’s visit
will be considered valid evidence of Cardholder accessing the Lounge. Paying guests or
companions must register and enter the Lounge at the same time as the cardholder.

7.12 Record of Visit: Lounge staff will, where appropriate, make a voucher imprint/log
entry of the Means of Access and Cardholder is responsible for ensuring Record of Visit
voucher/receipt/the log correctly reflects their own usage. Where applicable, Cardholder
is responsible for retaining a copy of the '‘Record of Visit’' voucher or receipt presented
to them. If a cardholder requires a copy of the voucher/receipt, the request must be
made at the time of entering the Lounge. When entering with multiple Lounge guests, it
is the Cardholder’s responsibility to ensure they are not charged for guests who may
hold their own respective Program membership. It is advised that Cardholders shows
the staff their respective Means of Access and sign their Record of Visit separately.

7.13 Access via Electronic Device: Means of Access on Customer’s smartphone,

tablet or other device may require inspection by the Lounge, including the need for the
member of staff to handle the device. Maya Bank or Dragon Pass accept no liability for
any damage by Lounge staff.

7.14 The Lounge Program privilege is not convertible to cash, credit, or other goods
and services.

7.15 By participating in the Maya Black Credit Card Program, Cardholder agrees to
and accepts these Conditions of Use of the Complimentary Airport Lounge. These
Conditions of Use will prevail over any other terms and conditions provided to
Cardholder in relation to purchase, or use of, the Program.

7.16 Fraud, abuse, or any unauthorized action relating to the availment of the
Program may result in the disqualification of the Cardholder from the Program,
suspension or cancellation of their Card privileges, or the charging of the full cost of the
airport lounge access amounting to Thirty-one US Dollars (US$31) to the Cardholder’s
Card account at Maya Bank’s discretion. This shall be without prejudice to any legal
action that may be taken by Maya Bank.

7.17 Terms: Each Lounge will have its own specific terms which will be outlined in the
Lounge website or app. By using the Lounge, the cardholder is accepting the Lounge
terms and conditions. Cardholder should read the Lounge terms and conditions
carefully before using the Lounge or Merchant.

7.18 Lounge access/ visits are subject to a per person, per visit access. charge.
Where applicable, accompanying guests will be charged by the legal entity or payment
card provider or other organization as per the prevailing rates at the time of access. If
Cardholder has multiple lounge access memberships, Cardholder is responsible for
presenting the correct Means of Access to the Lounge for admittance and may only use
one such Program membership per visit.

7.19 Children: Applicability of Lounge access for children varies according to each
specific Lounge or Merchant’s policies. Cardholder is advised to check the Lounge
policy prior to lounge visit. Inclusion of children with regards to eligibility for the Lounge
or Merchant is at the discretion of the Lounge provider.

7.20 Behavioral Standards: Use of Lounge is subject to Cardholder, accompanying

guest and children behaving and dressing in accordance with the Lounge policy and
any person not complying with such terms and conditions may be asked to vacate the
Lounge. Maya is not liable for any loss suffered by Customer or guest where a Lounge
refuses admission or use because Cardholder has not complied with the terms of this
Program’s terms and conditions.

7.21 Consumption Charges: The provision of alcoholic drinks, where local law permits,
is at the discretion of each Lounge or Merchant and in some cases may be limited or
unavailable. In such cases Cardholder is responsible for paying any charges for
additional consumption or for premium alcoholic drinks directly to Lounge. Cardholder
must refer to the respective Lounge’s policies.

7.22 Telephone and Wi-Fi: Telephone and Wi-Fi availability vary in each Lounge
location and are provided at the Lounge’s. Complimentary usage of telephone facilities
may be limited to local calls only. Charges for any other services are at the discretion of
each Lounge and Cardholder is responsible for paying these directly to the Lounge.

7.23 Flight Announcements: Lounge has no obligation to announce flight information

and Cardholder accepts that Maya will not be held liable for any direct or indirect loss
resulting out of any Cardholder and/or guests failing to board their flight. Cardholder is
responsible for checking the relevant entry requirements for any country being visited
and correct travel documentation for the journey.

7.24 Changes to Program: Maya may amend the Lounge conditions at any time with
notice of such change.

7.25 Third Party Organizations: Lounge and Merchants are owned and operated by
third party organizations. Cardholder and guests must abide by the rules and policies of
each participating Lounge, and Cardholder accepts that provision of a Means of Access
for a Lounge does not guarantee access or continued access and is subject to capacity
restrictions. Customer accepts that Maya has no control over the Lounge decision of
whether to admit any Cardholder, the number of people allowed in at any time, facilities
offered, the opening/closing times, the length of time which Cardholder may spend in
the Lounge, any charges payable above and beyond those included, or the personnel
employed. Maya will use reasonable endeavors to ensure the benefits and facilities are
available as advertised, but Cardholder accepts that Maya does not warrant nor
guarantee in any way, that any or all of the benefits and facilities will be available at the
time of Cardholders visit.

7.26 Payments Between Cardholder and Lounge: Where applicable, access to

specific Lounges may require payment in addition to Cardholder’s entitlement. This
additional payment is managed by the Lounge and Maya accepts no liability for this
transaction between Cardholder and Lounge.

7.27 Pre-Booking: Where applicable, Lounges may offer a pre-booking service at an

additional charge, which is managed by Lounge. The provider of the pre-booking
service will be indicated on the pre-booking page of the Lounge’s website and app.
Where Lounge is Merchant of Record and processes the additional charge, Lounge is
responsible for this service and transaction between the Cardholder and Lounge. Any
related pre-booking transaction or payment queries made via Lounge should be
addressed to Lounge.

7.28 Third Party Links and Websites: Lounge websites may contain links to websites
or offers that are operated or owned by third parties that are not part of, or controlled by,
Maya. Maya accepts no responsibility for the content of any such third-party websites,
or in relation to use of any Lounge redemption of any offers by third parties. Maya will
not be liable for any loss or damage that may arise from Cardholder’s use of any third-
party websites and

7.29 Loss: Cardholder accepts that Maya is not liable for any direct or indirect loss to
Cardholder and/or guest, arising from the provision or non-provision, whether in whole
or in part, of any of the advertised benefits and facilities. Customer accepts that Maya is
not liable for any loss or personal injury suffered inside a Lounge location by any person
who has entered with a Means of Access under the Dragon Pass Program.

7.30 Personal Belongings: To the fullest extent allowed by law, Maya accepts no
responsibility for the actions of Cardholder and guest when using any Lounge and will
not be responsible for any personal belongings brought into a Lounge.

7.31 Cancellation by Cardholder: In the event of Cardholder cancelling their Maya

Black Credit Card, the Means of Access will be cancelled with effect from the effective
date of that card cancellation. Any Lounge accessed by a Cardholder using an invalid
Means of Access, including any guests, will be charged to the Cardholder.

7.32 Maya Bank reserves the right at all times to make any changes to these T&Cs.
Cardholder agrees that Maya Bank may provide notification by posting the Conditions of
Use on the Maya Bank website and app, and that Cardholder’s use of the airport lounge
constitutes agreement to the current Conditions of Use.

7.33 Indemnity: Cardholder agrees to defend and indemnify Maya and its directors,
officers, employees, agents and affiliates (collectively 'the indemnified parties') against
and hold each indemnified party harmless from all liabilities, damages, losses, claims,
suits, judgments, costs and expenses (including reasonable legal fees) for injury to or
death of any person or damage to or destruction of any property arising out of the use of
Program by Cardholder except that such indemnification will not extend to acts of gross
negligence or willful misconduct by the indemnified parties.

7.34 Disputes: Cardholder agrees Maya is not responsible for any disputes or claims
that may occur between Cardholder and the Lounge for any losses, costs, damages, or
expenses incurred or debited.

7.35 Dragon Pass Program Complaints: Maya is not responsible for any disputes or
claims that may occur between Cardholder and Lounges nor for any losses, costs,
damages, or expenses incurred. If Customer has any concerns or complaints about the
DragonPass Program they should contact Dragon Pass. Any claims, issues or
complaints arising out of or in connection with the DragonPass Program regarding
Lounge access should be dealt with by DragonPass. Cardholder with complaints
relating to any Lounge access should make a complaint via the details below:

Contact no: +44 808 196 6002

Email: [email protected]
Website: https://en.dragonpass.com.cn/

8 . Data Privacy

8.1 As part of the Cardholder's Maya Black Credit Card application, the cardholder
acknowledges and authorizes Maya Philippines, Inc. and Maya Bank, Inc. to process
their personal data to facilitate the following loyalty and rewards use cases including:

• Activating and managing cardholder's loyalty and rewards account.

• Allowing the cardholder to earn, track, and redeem points and rewards through
our loyalty program partners.
• Providing exclusive loyalty perks, benefits, and promotional offers to the
cardholder.
• Analyzing cardholder's rewards activity to personalize offers and experiences.
• Sharing cardholder's relevant personal data with our rewards partners to facilitate
participation in loyalty programs and ensure that the cardholder receives their
reward benefits where eligible.

8.2 The cardholder's personal data will only be shared with our official partners and
authorized third parties as necessary to deliver the services the cardholder chooses to
engage with. For more information on how we process the cardholder's personal data or
to check the list of our partners and affiliates, please visit mayabank.ph/privacy.

8.3 We value our cardholder's rights as data subjects under the Data Privacy Act of
2012. For privacy-related concerns or to exercise any privacy rights, cardholders may
visit mayabank.ph/privacyrightsportal/.

9. Miscellaneous Provisions

9.1 In case of dispute with respect to the Cardholder’s eligibility of the foregoing
Program/s, Maya Bank’s decision shall prevail. All questions or disputes regarding the
Cardholder’s eligibility for any of the above shall be resolved by Maya Bank.

9.2 We reserve the right to amend, modify, or supplement this Maya Black T&C or to
discontinue or terminate the herein Program or any part thereof including any of the
foregoing Loyalty Program, Miles, Lounge access, with notice to You.
9.3 Revisions, modifications, amendments, and supplements to these T&Cs, which
shall form an integral part hereof are deemed binding upon notice to You, Maya in-App
or upon publication on Our website, and other channels, or by electronic means such as
electronic mail and short messaging services, or such other methods of communication
which the Bank may deem suitable, and will take effect in accordance with these T&Cs
and applicable laws, rules and regulations.

9.4 The Cardholder and Maya Bank agree that these T&Cs and any other
documents to be delivered in connection herewith may be electronically signed, and that
any electronic signatures appearing on these T&Cs or such other documents are the
same as handwritten signatures for the purposes of validity, enforceability, and
admissibility. Each Party likewise agrees on the use of an electronic form of recording
and storing of these T&Cs, and that this Agreement in electronic form, and the
electronic signatures appearing on these T&Cs are binding and enforceable against
such Party.

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