for your multi-faceted lifestyle

L A N D BA N K V I SA C R E D I T CA R D for your multi-faceted lifestyle

The LANDBANK Visa Credit Card is designed to suit your lifestyle. Whether it be for essentials and utilities or for indulgences and treats, let your LANDBANK Visa Credit Card answer every facet of your life. The LANDBANK Visa Credit Card is a result of a great synergy between two industry giants - LANDBANK, one of the largest banks in the country and Visa Worldwide, one of the most prestigious global credit card networks today. Enjoy the following benefits with the LANDBANK Visa Credit Card: Worldwide acceptance ATM Cash Advance service Medical and travel insurance Easy payment options Get your LANDBANK Visa Credit Card Now!

Great shopping deals are just one swipe away with LANDBANK Visa Credit Card! Flex those shopping muscles and conquer any shopping challenge. Whether shopping for yourself or for your loved ones, let your LANDBANK Visa Credit Card be your shopping buddy for an enjoyable shopping experience. Paying with your LANDBANK Visa Credit Card is a breeze through the following features: Pay all your utility bills in one go with LANDBANK Visa Credit Card s auto pay facility. Enrol by simply filling out the auto pay facility form and submitting it together with your latest utility billing statement to the LANDBANK branch nearest you. All your enrolled utilities will be reflected in your monthly statement of account for payment convenience. Pay your bills online with your LANDBANK Visa Credit Card! No more queues, no more filling out payment forms. All it takes is one click to pay them all! Shopping fun is no longer limited to malls and bazaars. With your LANDBANK Visa Credit Card, you can now shop online! Maximize your shopping experience and get those hard-to-find items with your LANDBANK Visa Credit Card. Feel safe and secure with Visa s multiple layers of protection to give you an extra level of security when shopping online. Jetset with your LANDBANK Visa Credit Card1 Use your LANDBANK Visa Credit Card anywhere in the world. With Visa acceptance to millions of establishments and ATMs worldwide, you can travel with ease and enjoy accessible credit funds nearby. Transfer your other credit card balances to your LANDBANK Visa Credit card with the balance transfer facility, with a low interest rate of 0.60%2. Be rewarded3 every time you use your LANDANK Visa Credit Card. Earn a reward point for every P50 spent using your LANDBANK Visa Credit Card. What s more, your rewards points have no expiration date, so you can build your points with confidence. Travel worry-free with your LANDBANK Visa Credit Card. Other Card Features CASH ADVANCE Don t worry about emergencies or weekend vacations. LANDBANK Visa offers cash advance service through ATMs. Not only that! LANDBANK Visa International cardholders may even avail of the cash advance facility whenever you are out of the country. Just look for an ATM machine bearing the Visa or Visa Plus logo, and you can avail cash advances in the local currency of that country. To use this service, a PIN mailer shall be issued and sent to your billing address. Your cash advance limit is up to 30% of your peso and dollar limit, or whatever is the remaining balance, whichever is lower. Cash Advance 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. FREE TRAVEL ACCIDENT INSURANCE Automatically get a travel accident insurance coverage of up to P2 million. DEFERRED PAYMENT Buy that appliance or big-ticket item you ve been eyeing and pay on installment basis over 3, 6, 9, 12, 18, or 24 months at low interest rates LANDBANK Visa s rates are among the lowest in the industry so you can enjoy big savings. PAYMENT CENTERS Make payments at any LANDBANK and Banco de Oro online branches nationwide. Check payments should be payable to LANDBANK Visa or Land Bank of the Philippines. You can also pay through any of the following LANDBANK payment facilities: Phone Access (Phone banking) ATM Bills Payment iaccess (Internet banking) Flying to popular and exotic travel destinations has its ups and downs. Let your entire flight stay on a high-note with a travel accident insurance coverage of up to P2 million by just being a LANDBANK Visa Credit Cardholder. ACCEPTANCE OF PAYMENTS Validation of check payment received on or before clearing cut-off time will be on the same day; while checks received after clearing cut-off time will be validated on the following banking day. VISA LITE PAYMENT OPTION Don t worry about paying your dues in full. The Lite Payment Option allows you to pay only 3% or a minimum of P200 (for peso account) or $5 (for dollar account), of your monthly purchases and cash advances. This facility is open to all cardholders with good credit standing. PENALTY CHARGES For International Classic and International Gold cardholders only Balance Transfer interest rate is subject to change without prior notice 3 Fulfillment of LANDBANK Visa Credit Card Rewards Program is subject to stock availabilty and may change without prior notice 1 2 All fees and charges are subject to change without notice. For updated information and queries, kindly call our 24/7 Customer Care Center at (02) 405-7000 or 1-800-10-405-700 (for PLDT Domestic Toll Free) These are just some choices from the wide array of exclusive rewards, selected just for you! Visit www. landbank.com for the the complete Rewards Catalog Any account unpaid after payment due date shall be subject to the following penalty charges: Local Card 2.25% of minimum amount due International Card 2.0% of minimum amount due Returned checks will be charged a flat rate of P500.

Credit Card Fees Type of Card Annual Membership Fee 1 PRINCIPAL Annual Membership Fee 1 SUPPLEMENTARY Cash Advance Fee 2 Cash Advance Service Fee Local Classic P 850 P 500 P 50 for every Local Gold P 1,100 P 500 transaction 5% of amount International P 1,500 P 500 $2.00 for every withdrawn Classic transaction International Gold P 3,000 P 1,000 Minimum Amount Due 3 Card Replacement Fee Return Check Fee P 300 P 500 This is the sum of the following: a) 3% of your Outstanding Balance + b) Installment Amortization + c) Overdue Amount + d) Over-limit Amount (less Installment Amortization, if any) You pay the sum of a, b, c and d or P200 for Peso or US$ 5 for Dollar transactions, whichever is higher Saleslip Retrieval Fee Peso Slip P 350 Dollar Slip $ 8.00 1 Annual Fees shall be charged to the client from the time of issuance of the credit card and every year thereafter. 2 Effective interest Rate (EIR) for Cash Advance will vary depending on the amount of transaction made within the statement cycle. If you don t pay the full amount, it will incur additional charges on the next cycle date. 3 Payment of only the Minimum Payment due or any amount less than the Outstanding Balance on or before the Payment Due Date will result in the imposition of interest and/or other charges Note: When settling your credit card bill via BDO, only dollar notes for dollar billing will be accepted and peso notes for peso billing. Charges Finance Charges If you settle in full on or before the due date, there is no applicable Finance 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 (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 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 credit card 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 three to seven banking days. Late Payment Peso Transactions 3.25% 2.25% based on minimum amount due Dollar Transactions 2.5% 2% based on minimum amount due Sample Computation VALUES SOA Outstanding Balance (OB) P7,000 Monthly Amortization A P3,000 Monthly Amortization B P1,000 Past Due Amount / Overdue Balance P1,500 Overlimit Amount --- Outstanding Balance (OB) P7,000 Less: Monthly Amortization A P3,000 Monthly Amortization B P1,000 OB - Net of Monthly Amortization P3,000 3% of OB less Amortization P200 (or P200 whichever is higher) Plus: Monthly Amortization A P3,000 Monthly Amortization B P1,000 Overdue Amount P1,500 Minimum Amount Due: P5,700 Note: All fees and charges are subject to change without notice.

For more information, please contact: 24/7 Customer Care Center 32nd Floor, LANDBANK Plaza 1598 M.H. del Pilar corner Dr. J. Quintos Streets Malate, Manila Tel.No. (02) 405-7000 (1-800-10-405-7000 for domestic toll free calls) www.landbank.com

VISA CREDIT CARD APPLICATION FORM Before filling-out the application form, please read the agreement on the reverse side. Please fill out application form properly, placing N/A for items not applicable. Incomplete applications will not be processed Application is for: PERSONAL DATA FOR EMPLOYED INDIVIDUALS Latest 1X1 ID picture Latest Income Tax Return Certificate of Employment Accomplished Application Form Latest Payslip Valid ID Co-obligor (if applicable) FOR SELF-EMPLOYED Latest 1X1 ID picture Registration Papers with DTI or SEC Accomplished Application Form Latest Audited Financial Statement Latest Income Tax Return Valid ID Co-obligor (if applicable) ID PHOTO 1X1 Local Classic Local Gold International Classic International Gold Birthplace Citizenship Name to appear in the card if space is not sufficient Sex Civil Status No. of Dependents TIN / ACR No. GSIS / SSS No. Referred by Unit Present Home Address (for those renting or living with relatives) Permanent Address Check appropriate box Renting Mortgaged Owned Living with relatives P P /month /month No. of owned cars, if any Landline/s (include area code) Email Address Previous Address Reason for Leaving Mobile Phone Number Mother s Full Maiden Name Other Source of Income Employment Type Annual Amount Government Private Self-employed (Business) Self-employed (Professional) Retired / Unemployed Other Last School Attended Degree SPOUSE S PERSONAL DATA Personal Reference (Neartest Relative Not Living with You) Address Contact No. Relationship DEPOSIT ACCOUNTS Bank Name and Branch Account Type Approximate Balance CREDIT EXPERIENCE Bank / institution Type of Loan No of. Years to Pay Approximate Balance REQUEST FOR EXTENSION CARD ATTACH PHOTOCOPY OF VALID ID OF EXTENSION CO-OBLIGOR Citizenship Civil Status Relationship to Applicant Name to appear in the card if space is not sufficient Birthplace Age (must be 18 to 65 years old) TIN / ACR No. GSIS / SSS No. Sex Civil Status Citizenship Present Home Address (for those renting or living with relatives) Landline/s (include area code) Mobile Phone Number LANDBANK REFERENCES Permanent Address Landline/s (include area code) Mobile Phone Number Are you related to a LANDBANK employee? Yes No If yes: Rank Name of LANDBANKER Relationship Non-officer Spouse Parent / In-law Others Officer Child/ In-law Sibling PAYMENT AND DELIVERY INSTRUCTIONS Employment Type Government Private Self-employed (Business) Self-employed (Professional) Retired / Unemployed Other Email Address Mother s Full Maiden Name PLEASE DELIVER MY STATEMENT AND CORRESPONDENCE TO: Home Office Other Source of Income Annual Amount Name of School (If Student) School Address Signature Over Printed Name Relationship to Principal Applicant Name of Extension s Spouse Occupation TIN Date I/WE CERTIFY THAT ALL THE ABOVE INFORMATION ARE TRUE AND CORRECT. I/WE HEREBY AUTHORIZE LAND BANK OF THE PHILIPPINES TO VERIFY AND INVESTIGATE SAID INFORMATION AND SUCH OTHER INFORMATION WHICH LAND BANK OF THE PHILIPPINES MAY DEEM NECESSARY. I/WE ACKNOWLEDGE THAT I/WE HAVE READ AND UNDERSTOOD THE LAND BANK OF THE PHILIPPINES VISA CARD AGREEMENT ON THE REVERSE SIDE THEREOF, AND HEREBY AGREE TO BE BOUND BY THE SAME. IN CASE OF DISAPPROVAL OF MY/OUR APPLICATION, LAND BANK OF THE PHILIPPINES IS UNDER NO OBLIGATION TO PROVIDE ME/US WITH THE REASON FOR SUCH A DECISION. Application ID FOR LANDBANK USE ONLY Type of Card RCL CLBEP Signature Over Printed Name of Applicant Signature Over Printed Name of Spouse Prepared By Recommended for Approval LVCC Approving Authority Signature Over Printed Name of Co-Obligor