compLAINtS reSoLutIoN

LoSS oF tHe VISA cArD CARDHOLDER should immediately report lost/stolen card to hotline no. 840-7499. VISA CARD will be replaced upon submission of notarized affidavit of loss to LANDBANK. Replacement fee for lost/stolen card is P300. SpoILeD/DAmAGeD cArD Request for VISA CARD replacement through LANDBANK VISA Customer Service hotline. Replacement Fee for spoiled or damaged card is P300. BILLING coNcerNS Report billing concerns to LANDBANK VISA Customer Service hotline not later than 15 days after receipt of billing statement.

For more INFormAtIoN, pLeASe cALL:

LANDBANK VISA customer Service: 405-7275 /405-7281 /405-7282 Monday to Friday / 8:00 am to 5:00 pm Email address: ccad@mail.landbank.com Fax No.: 528-8547 LANDBANK customer care center: 405-7000 or Toll Free 1-800-10-405-7000 (24 hours)

LANDBANK VISA

proDuct FeAtureS
Installment Payment Plan Cash Advance through ATM Bills Payment Free Travel and Personal Accident Insurance

(based on prevailing interest rate of 3.25%) will be imposed on the unpaid balance stated in your previous statement of account, and on all new transactions posted within the statement period computed from post date until the current statement date. If you settle below the minimum amount due, or any amount after the payment due date, you will be charged with 3.25 % Finance Charge and 2.25% Late Payment Fee for Peso account, and/ or 2.5% Finance Charge and 2% Late Payment Fee for Dollar account. You may pay your LANDBANK VISA account either by cash or check (Peso). To avoid penalty charges, all payments must be received on or before the Payment Due Date. Payments (cash and check including On-Us checks) will be posted within 37 banking days. the VISA card shall be valid only up to the date indicated on the card and renewable every two years. the cArDHoLDer shall be responsible for all the charges, including all fees, finance and service charges incurred through the use of EXTENSION CARDHOLDER. Your assigned credit limit may be used for both straight purchases and deferred transactions. Deferred availments are payable for 3 to 24 months. To use the cASH ADVANce service, a PIN mailer shall be issued and sent to your billing address. Cash advance limit is up to 30% of credit limit or whatever is the remaining balance, whichever is lower. Interest is a flat 5% for peso and 2% for dollar on the amount withdrawn, and a service fee of P50 (for peso) and $2 (for dollar) per transaction. Only Megalink and VISA Plus ATMs may be used. For VISA mINImum AmouNt optIoN, pay only 5% of your monthly purchases and cash advances or P500 for peso and $50 for dollar, whichever is higher. FINANce cHArGeS interest is 3.25% for peso account and 2.5% for dollar account based on average daily balance. To pAY utILItY BILLS (MERALCO and PLDT), fill out and submit enrollment form to LANDBANK VISA and attach latest utility billing statement. Free trAVeL AccIDeNt INSurANce up to P3 million provided the travel ticket is charged in full to LANDBANK VISA card and the account is in good credit standing. Free perSoNAL AccIDeNt INSurANce up to P150,000 provided the account is maintained in good credit standing.

LANDBANK shall not be responsible if for any reason the VISA card is not honored by affiliated merchants and shall not be held liable for any defective product or service purchased through VISA card. The creDIt LImIt represents maximum outstanding balance of the purchases and advances that the CARDHOLDER and EXTENSION CARDHOLDER may be allowed at any given time. For security purposes, there is a maximum amount and/or number of transactions allowed per day. LANDBANK VISA local cardholders will receive one statement of account every month while LANDBANK VISA International cardholders will receive two billing statements every month, one for peso account and another one for dollar account. THE cArDHoLDer should notify LANDBANK of any change in billing address or phone number/s. All pAYmeNtS must be made on or before due date as indicated in the Statement of Account in any LANDBANK and Banco de Oro online branches nationwide. Payment may also be made through the following LANDBANK facilities: PhoneAccess ATM Bills Payment Efficient service machine (ESM) iAccess Any account unpaid after payment due date shall be subject to the following penalty charges: Peso account Dollar account 2.25% of minimum amount due 2.0% of minimum amount due

termS AND coNDItIoNS

cArDHoLDer and eXteNSIoN cArDHoLDer shall pay an initial membership fee and, thereafter, an annual fee as follows:

Fees
Understanding the Fees and Charges of your Classic Local Annual Membership Fee Annual Membership Fee Cash Advance Interest Cash Advance Service Fee Card Replacement Fee Return Check Fee Salesslip Retrieval Fee P50 for every transaction 850 Gold Local 1,100 Intl Classic 1,500 Intl Gold 3,000

500

500

500

1,000

5% of amount withdrawn $2.00 for every transaction

P300

P150 Peso Slip P350 Dollar Slip $8.00

Charges
Finance Charge Peso transactions Dollar transactions 3.25% 2.5 % Late Payment Fee 2.25% based on minimum amount due 2 % based on minimum amount due

Returned checks will be charged a flat rate of P150 (local) and $25 (dollar) per check. The above interest rates and charges may be changed without prior notice in the event that applicable rates are adjusted by the law, the Bangko Sentral ng Pilipinas or the service provider. In the event of the CARDHOLDERS failure to comply with any of the terms and conditions provided in the application form, all privileges granted to the CARDHOLDER will immediately cease. Amount due, including interests, penalty/surcharges and attorneys fees, shall immediately become due and demandable. LANDBANK may at any time amend provisions provided in the terms and conditions, including but not limited to credit limit, rates and surcharges, provided notice in writing is given to the CARDHOLDER. Failure of the CARDHOLDER to notify LANDBANK of his/her intention to terminate his/her membership and/or the continued use of the VISA card shall be construed as acceptance of the amendments to this Agreement.

Annual Fees shall be charged to the client from the time of issuance of the credit card and every year thereafter. If you settle in full on or before the due date, there is no applicable Interest Charge that will be imposed. If you settle only the minimum amount due or any amount less than the outstanding balance on or before the payment due date, you will be treated as a borrower or revolver. Hence, a Finance Charge