Table of Contents

Table of Contents

I. Introduction

II. Application and Account Maintenance

III. Security

IV. Balance Inquiry and Transaction History

V. Fund Transfer

VI. Wire Transfer

VII. Pay Bills

VIII. BDO Cash Card Reload

IX. Prepaid Mobile Reload

X. Checkbook Reorder

XI. Stop Payment Order

XII. Call Center Banking

XIII. Others

XIV. EPCI E-Banking Migration

I.

Introduction

1. What is myBDO Internet Banking?

2. What is BDO Phonebanking?

3. Is myBDO Internet Banking accessible outside the Philippines?

4. Is BDO Phonebanking accessible outside Metro Manila or the Philippines?

5. What is International Access Code (IAC)?

6. What are the system requirements necessary to access myBDO Internet Banking Services?

1.

What is myBDO Internet Banking?

myBDO Internet is banking through the convenience and privacy of your Internet-enabled computers. You can perform the following transactions with myBDO Internet Banking:

• Access your accounts 24 hours a day and 7 days a week • Check your account balances and inquire on last 3 months transactions • Transfer funds to any BDO accounts • Pay your bills • Reload BDO Cash Cards • Reload Prepaid Mobile Phones • Perform Stop Payment on issued checks • Reorder Checkbooks • Request a Wire Transfer (Local or International Telegraphic Transfers)

2.

What is BDO Phonebanking?

BDO Phonebanking allows you to perform banking functions through any touchtone telephone. You can perform the following transactions with BDO Phonebanking:

• Access your accounts 24 hours a day and 7 days a week • Check your account balances and last 3 transactions • Transfer funds to any BDO accounts • Pay your bills • Reload BDO Cash Cards • Reload Prepaid Mobile Phones • Reorder Checkbooks • Inquire Foreign Exchange Rates and product information

3.

Is myBDO Internet Banking accessible outside the Philippines?

Yes. Once enrolled to myBDO Internet Banking, you may access your accounts and perform transactions anywhere in the world through the Internet.

4.

Is BDO Phonebanking accessible outside Metro Manila or the Philippines?

Yes. You may access BDO Phonebanking by dialing the following toll-free nos.:

Domestic Toll-Free

No. : 1-800-10-631-8000

International Toll-Free No.: Int. Access Code (IAC)- 800-8-631-8000

Call Banco de Oro from abroad with our International Toll-Free Nos.:

COUNTRY TOLL FREE NO. GREECE 00800-6312-0018 GUAM 800-0630-0021 SAUDI ARABIA 800-863-0011

ITALY 800-872-390 UAE 800-0630-0021

Or dial (IAC)+800-8-6318000.

5.

What is International Access Code (IAC)?

IAC is the access no. required to be connected to the International Toll-Free No. of BDO Phonebanking, (IAC)+800-8-631-8000. The required access no. depends on the country where you are at. Listed below are the IAC

Nos.:

COUNTRY International Telephone Companies IAC

1. AUSTRALIA OPTUS TELESTRA

0011

2. AUSTRIA TELECOM AUSTRIA 00 3. BELGIUM BELGIUM 00 4. BRAZIL EMBRATEL 0021 5. CANADA TELEGLOBE 011 6. CYPRUS CYTA 00 7. FINLAND SONERA 00 8. FRANCE FRANCE TELECOM 00 9. GERMANY DTAG 00 10. HAWAII GTE HAWAIIAN TEL.

CO. 011

11. HONGKONG REACH 001 12. IRELAND TELECOM EIRCOM 00 13. ISRAEL BEZEQ 00 14. ITALY TELECOM ITALIA 00 15. JAPAN JAPAN TELECOM

KDD NTT

010

16. KOREA KOREA TELECOM 001 17. MALAYSIA TELECOM MALAYSIA 00 18. NETHERLANDS KPN INTL 00 19. NEW ZEALAND TNZL 00 20. NORWAY TELENOR 00 21. SINGAPORE SINGTEL 001 22. SPAIN TELEFONICA 00 23. SWITZERLAND SWISSCOM 00 24. THAILAND CAT 001 25. TAIWAN CHUNGWA TELECOM 00 26. UK BT

C&W 00

27. USA AT&T MCI SPRINT

011

6.

What are the system requirements necessary to access myBDO Internet

Banking Services?

1) A computer with:

Browser : Internet explorer ver.6 or higher Resolution on 1020 x 768 Processor : Pentium PC or higher processor RAM : min 64MB; preferably 128 MB Modem: Min. of 28.8 kbps in speed; Preferably 56 kbps

Monitor : SVGA or higher with 1024x768 screen resolution, 16-bit high color video monitor display for best view

Operating System : Windows 95/ 98/ ME/ NT/ 2000 XP

II.

Application and Account Maintenance

1. Who can apply for myBDO Internet Banking and BDO Phonebanking?

2. How do I apply for myBDO Internet Banking and BDO Phonebanking?

3. What types of accounts are accessible through myBDO Internet Banking and BDO Phonebanking?

4. Is there a minimum balance required to apply for myBDO Internet Banking and BDO Phonebanking?

5. When can I start using myBDO Internet Banking and BDO Phonebanking?

6. How do I add my Banco de Oro accounts that are not yet enrolled in myBDO Internet Banking and BDO Phonebanking?

1.

Who can apply for myBDO Internet Banking and BDO Phonebanking?

BDO clients, at least 13 years old, with Individual or Joint OR with any of the following Individual or Joint OR accounts may enroll:

• Savings Account • Current Account • Time Deposits • Personalized BDO Cash Card • BDO Consumer Loans

Note that Personalized BDO Cash Card can only be enrolled if you have other available accounts for enrollment

2.

How do I apply for myBDO Internet Banking and BDO Phonebanking?

Individual account holders have several means of enrolling in myBDO Internet Banking and BDO Phonebanking.

• Online Enrollment

a. Visit https://www.mybdo.com.ph b. Complete the Online Enrollment Form c. Submit Online Enrollment Form to Banco de Oro by clicking the "Submit to Bank" button. d. Print enrollment form, SIGN and submit to any BDO branch or send to: Banco de Oro c/o EBU, Transaction Banking Group Ground Floor, Benguet Center, 12 ADB Ave., Ortigas Center, Mandaluyong City

Note: You must send your signed enrollment form w/in 10 days

• Branch Enrollment

a. Visit any BDO branch. b. Fill up BDO Electronic banking Enrollment Form c. Nominate your User ID and Password, Phonebanking ID and Telephone PIN, Challenge Answer and Question

3.

What types of accounts are accessible through myBDO Internet Banking and BDO Phonebanking?

You can access the following types of accounts from myBDO Internet Banking and BDO Phonebanking:

• Savings Account (Peso/US Dollar) • Current Account • Time Deposits (Peso/US Dollar) • BDO Cash Card • BDO Auto, Housing and Personal Loans Accounts (accessible only via myBDO Internet Banking) • BDO Credit Cards • Trust Accounts

4.

Is there a minimum balance required to apply for myBDO Internet Banking and BDO Phonebanking?

There are no minimum balances requirements to enroll and use myBDO Internet Banking and BDO Phonebanking but minimum balance

requirements for specific products still apply.

5.

When can I start using myBDO Internet Banking and BDO Phonebanking?

You may start using BDO Electronic Channels three (3) days after enrollment. For online enrollment, the 3 day turn around time starts when BDO receives your Signed Online Enrollment form. For myBDO Internet Banking enrollees, we shall notify you via email once your enrollment has been processed by Banco de Oro. You can also view your application status online by logging in as User with Pending Application in www.mybdo.com.ph.

6.

How do I add my Banco de Oro accounts that are not yet enrolled in myBDO Internet Banking and BDO Phonebanking?

You may enroll all the accounts you want to access in myBDO Internet Banking and BDO Phonebanking through any of the following methods:

a. Log-in to myBDO Internet Banking and enroll your accounts under My Profile/Add Accounts.

b. Visit your preferred branch and complete the BDO Electronic Banking

Enrollment/Update Form

III.

Security

1. What type of Internet security do you provide your customers?

2. What precautions should I take to ensure the confidentiality of my accounts and personal information when using myBDO Internet Banking?

3. How do I ensure the security of my BDO Phonebanking sessions?

4. What should I do in case I suspect a Password /Telephone PIN breach or unauthorized transactions on my accounts?

5. What should I do in case I forgot myBDO Internet Banking Password and BDO Phonebanking Telephone PIN?

6. How do I create a password that is difficult to guess but easy to remember?

7. What is 'phishing' and how do I protect my account from it?

8. 8.What is 'web spoofing' and how do I protect my account from it?

1.

What type of Internet security do you provide your customers?

Using the current security technologies and processes, Banco de Oro assures its clients of the confidentiality and privacy of their online banking sessions.

myBDO Internet Banking security uses:

• Authentication

Authentication ensures that only authorized users can access the myBDO Internet Banking system by verifying the identity of the user. This is enforced through the use of a User Name and Password.

• Network Security

Banco de Oro uses a firewall to protect its Internet banking servers from unauthorized Internet access. A firewall is a combination of systems that enforces a boundary between the Internet and the bank's network, while blocking out all unwanted access.

• Encryption

Encryption converts data on the system to a format that is unreadable by anyone who does not have the proper authorization. Currently, myBDO Internet Banking uses 128-bit Secure Sockets Layer (SSL) to secure all banking transactions. 128-bit encryption means that there are 2128 - or 3.4 with 38 zeros after it - possible combinations that could access your account information but only one that works for each online banking session.

• Automatic Log-out

myBDO Internet Banking automatically logs you out of the system if it detects no user activity for a fixed number of minutes. This protects your accounts from being accessed by the next PC user, especially when using a public or shared computer.

2.

What precautions should I take to ensure the confidentiality of my accounts and personal information when using myBDO Internet Banking?

• Never disclose your password to anyone , even to someone claiming to be from Banco de Oro. Banco de Oro will never ask for your Password/PIN. Be responsible in keeping your password confidential.

• Keep your password safe. Your password authenticates you when

you begin your Internet banking session. You should memorize your password and avoid writing it down.

• Create/nominate password that is difficult to guess but easy to

remember. Avoid using birthdates and other personal information easily associated with you.

• Change your password regularly. You can easily change your

password when you begin your Internet banking session.

• Remember log out before you leave your computer. Logging out assures you that no one can access your accounts after you have finished your Internet banking session. This is very important when you are using a shared or public computer.

• Keep your operating system and browser software updated with patches for the latest security vulnerabilities. Many viruses, trojans and spyware exploit the vulnerabilities of software to steal information.

• Use your browser's security features. Most browsers have security settings and options that protect the privacy of your accounts. Refer to your browser's help on how you can maximize your browser's security.

• Avoid using shared or public computers to access your accounts.

Shared or public computers may have been installed with tracking software that could monitor your Internet banking sessions.

• Avoid using Beta-browsers. Beta-browsers are browsers still in the

process of testing and may contain security vulnerabilities. We suggest the use of the browser's final release versions.

3.

How do I ensure the security of my BDO Phonebanking sessions?

• Never disclose your Telephone PIN to anyone, even to someone claiming to be from Banco de Oro. Banco de Oro will never ask for your password/PIN. Be responsible in keeping your password/PIN confidential.

• Keep your Telephone PIN safe. Your password authenticates you when you begin your telephone banking session. You should memorize your password and avoid writing it down. If you should have a physical copy, keep it in a secure place.

• Wait for the phone banking session to end before putting the phone down. Although it is possible but unlikely that your phone has been tapped, waiting for the session to end before hanging up reduces the risk of unauthorized access to your phone banking session. A wiretapper using a recorder cannot be thwarted by this precaution.

4.

What should I do in case I suspect a Password /Telephone PIN breach or unauthorized transactions on my accounts?

• Change your myBDO Internet Banking Password/Phonebanking Telephone PIN online.

• Change your BDO Phonebanking Telephone PIN via Phonebanking. • Call BDO Call Center and request a Password/PIN reset

5.

What should I do in case I forgot my myBDO Internet Banking Password and BDO Phonebanking Telephone PIN?

For forgotten myBDO Internet Banking Password and Telephone PIN, you may:

• Nominate a new Password and Telephone PIN via www.mybdo.com.ph. "Forgot Password" or "Forgot Telephone PIN" module is available in the Log-in Page. For security reasons, you can only nominate a new Password or Telephone PIN upon providing correct data to the personal and Enrollment details asked during your online request. Note that this facility is only available for myBDO Internet Banking enrollees only; or,

• Request for a new Password or Telephone PIN via BDO Call Center. Our Call Center Officers can reset the password for you. Please log in immediately after your request to change and secure your password. For forgotten BDO Phonebanking Telephone PIN, you may request/nominate new Telephone PIN via BDO Call Center.

6.

How do I create a password that is difficult to guess but easy to remember?

While we leave the choice of password entirely to the user, you may find the following guidelines useful in creating 'difficult to guess' but 'easy to remember' passwords:

a. Avoid words in the English dictionary.

b. Avoid using personal information such as names and birthdates of family members, telephone numbers.

c. Never use sequential numbers (“123456”) or letters (“abcdef”) or a combination of sequential numbers and letters (“jkl987”).

d. Use a combination of upper case letters, lower case letters, numbers and special characters that appear random to others but have a lot of meaning to you. Hint: You can use a phrase or keywords containing personal expressions, a line in a movie, song, book, etc. that you can easily remember and then transform the phrase into something not easily recognizable. For example, “Labs ko ‘to, BDO!” may translate to “Lk2BDO!” (by getting all first letters, using some capital and lower case letters, adding a number ala-SMS/text and using a punctuation mark for added complexity). The above example has all the elements of a difficult-to-guess but easy-to-remember password:

• no dictionary words • no personal info • not predictable • long enough (7 characters, the minimum is 6)

• adds complexity by using a combination of upper and lower case letters, numbers and special characters.

• easy to remember because you know the phrase where it was

derived from, but those who don’t know the phrase would have a hard time remembering the password

GOOD Example of Passwords Keywords Password Good Points

Keywords “Who ya gonna call? Ghost Busters!”

Wygc?GB! • Appears random • Easy to remember • Combines 3 of ff. 4 categories:

• Combines 3 of ff. 4 categories:

• Upper case letters • Lower case letters • Numbers • Special characters • No dictionary words • No personal info • Not predictable • Longer than the minimum length of 6 characters

“The Lord is my Shephered, I shall not want”

TLimS,Isnw -DO-

“It is 10 degrees colder in Baguio than in Manila.”

Ii10dciBtiM. -DO-

“John’s birthday is on June 24”

JbioJ24 -DO-

BAD Example of Passwords

Keywords Password Bad Points Keywords “Who ya gonna call? Ghost Busters!”

wygcgb Uses only lower case letters, no combination of upper case, numbers or punctuation

None apple456 Dictionary word and sequential numbers

“July 15, 2004” 071504 Uses only numbers, no combination of upper /lower case letters or punctuation

none qwertyuiop Sequential characters on the keyboard

Son’s name and birthdate

john062497 Personal info

7.

What is 'phishing' and how do I protect my account from it?

'Phishing' is a common exploit used to collect information from Internet users. An email is sent out purportedly to address some system problem or similar scenario of some urgency and requiring immediate attention. Customers would be requested to provide information such as passwords, account numbers, credit card numbers, etc. Do not respond to these emails nor go to the links provided, if any. Banco de Oro Universal Bank will never use email as a means to obtain information from customers. If you encounter a similar incident, please report it immediately to the address below for investigation.

8.

What is 'web spoofing' and how do I protect my account from it?

'Web spoofing' is another common exploit used to collect information from Internet users. A website that looks very much like myBDO Internet Banking site is displayed. The URL may even be the same (www.mybdo.com.ph). The only difference may be found on the Verisign certificate and/or the “http” protocol being used. Before logging in and providing your username and password, make it a habit to click on the Verisign Secure Site logo that appears on the Log-in page. If the display matches the information below, then the website belongs to Banco de Oro Universal Bank and you may proceed to log in and submit account information.

Name WWW.MYBDO.COM.PH Status Valid Validity Period 25-APR-06 - 25-APR-07

Server ID Information

Country = PH State = Metro Manila Locality = Mandaluyong Organization = Banco de Oro Universal Bank Organizational Unit = DBA Organizational Unit = www.mysecuresign.com/RPA Incorp. by Ref.,LIAB.LTD(c)98 Organizational Unit = Authenticated by mySecureSign, Inc. Organizational Unit = Member, VeriSign Trust Network Common Name = www.mybdo.com.ph

To further assure you that data cannot be read by unauthorized parties, always verify that the URL displayed is preceded by “https://” and not just “http://”. The 's' is “https” indicates that data are encrypted in transit between your browser and the bank's server. In some browsers, a small “closed” padlock icon appears at the bottom of your screen if you are on “https” (secure mode); an “open” padlock appears if you are on “http://” (insecure mode). If you do not get the same information on the Verisign certificate or the website is not in “https://” (secure mode), please report the incident immediately to the address below for investigation.

CONTACT INFORMATION BDO Call Center Metro Manila: 631-8000 Domestic Toll-Free No. - 1-800-10-631-8000 International Toll-Free No: Int. Access Code(IAC)-800-8-631-8000

IV.

Balance Inquiry and Transaction History

1. How often are my balances updated?

2. Can I get my transaction history through myBDO Internet Banking and BDO Phonebanking Services?

1.

How often are my balances updated?

For Savings, Current Account and BDO Cash Card your available balance is real-time and will change throughout the day based on your activities. For Time Deposit and Consumer Loan Accounts, balances are based on the previous day's balances.

2.

Can I get my transaction history through myBDO Internet Banking and BDO Phonebanking Services?

Transaction History is available for enrolled Savings and Current Accounts only. For myBDO Internet Banking, you can access your current day transactions and up to 90 days of your transaction history. For BDO Phonebanking, you may retrieve your last three debits and credits via Account Information.

V.

Fund Transfer

1. What is a fund transfer?

2. How do I get started with myBDO Internet Banking and BDO Phonebanking Fund Transfer?

3. Is Inter-Currency Fund Transfer available in myBDO Internet Banking and BDO Phonebanking?

4. Is there a limit to the amount I can transfer through myBDO Internet Banking and BDO Phonebanking?

5. What are my schedule options in transferring funds?

6. Can I cancel Post-dated and Recurring Fund transfer Requests?

7. What is the cut-off time for fund transfer transactions?

8. Can I change transfer amounts for scheduled Fund Transfers?

9. What happens if I don't have enough money in my deposit account to transfer funds?

10. How can I prove that transfers are made?

11. Is there a service fee for MyBDO Internet Banking and BDO Phonebanking Fund Transfers?

1.

What is a fund transfer?

A fund transfer is a transfer between your own enrolled accounts (Savings and Current Accounts, and BDO Cash Card) to any BDO Savings and Current Accounts. However, transferring fund to Third Party accounts requires an enrollment. Time deposit and Consumer Loan accounts cannot be used as a source or destination accounts for fund transfers.

2.

How do I get started with myBDO Internet Banking and BDO Phonebanking Fund Transfer?

You must first enroll your accounts with myBDO Internet Banking and BDO Phonebanking. Your own accounts will automatically be available as Source (Current and Savings Accounts and BDO Cash Card) and Destination Accounts (Current and Savings Accounts only). To transfer funds to Third Party Accounts, you must indicate the accounts nos. during enrollment under Third Party Fund Transfer Enrollment or through any of the following methods:

• Log-in to myBDO Internet Banking and enroll your accounts under My Profile/Third Party Account/Add Third Party Accounts.

• Visit your preferred branch and complete an BDO Electronic Banking Enrollment/Update Form, or

Note that you may enroll up to 20 3rd Party Accounts. Enrollment of Third Party Accounts requires approval of Electronic Banking Unit before you can request transfer to these accounts.

3.

Is Inter-Currency Fund Transfer available in myBDO Internet Banking and BDO Phonebanking?

No. You can only transfer fund between Peso to Peso Accounts or US Dollar to US Dollar Accounts only. Inter-Currency Fund Transfers is not supported by the systems.

4.

Is there a limit to the amount I can transfer through myBDO Internet Banking and BDO Phonebanking?

You may transfer funds up to your available balance.

5.

What are my schedule options in transferring funds?

You may transfer funds immediately for myBDO Internet Baking and BDO Phonebanking. For myBDO Internet Banking enrollees, you may also request for Post-dated or Recurring transfers. For immediate transfers, your fund transfer requests are processed immediately upon execution. Your balance will reflect the transactions correspondingly. For Post-dated transfers, you may specify transfer date during your request. Request for scheduled transfer should be at least one day prior to the scheduled date. For Recurring Transfers, you can schedule monthly transfers to a specific account for the next months or years. When requesting for a Recurring Fund Transfers, you must specify start date and end-date of per request. Request for scheduled transfer should be at least one day prior to the start date. Post-dated and Recurring Fund Transfers are processed at 7:30pm on the scheduled date.

6.

Can I cancel Post-dated and Recurring Fund transfer Requests?

Yes. You may cancel scheduled requests on or before 7:30pm on the scheduled date via myBDO Internet Banking under My Financial Cervices/Fund Transfer/View/Edit/Delete Fund Transfer Request/s.

7.

What is the cut-off time for fund transfer transactions?

The cut-off time for Fund Transfer is 9:30pm. All transactions made after the cut-off time and during week-ends and holidays are subject to verification and will be considered transactions for the next banking day.

8.

Can I change transfer amounts for scheduled Fund Transfers?

Yes. You can change Fund Transfer amounts online via myBDO Internet Banking under My Financial Services/Fund Transfer/View/Edit/Delete Fund Transfer Request/s on or before the 7:30 processing time of on the scheduled date.

9.

What happens if I don't have enough money in my deposit account to transfer funds?

Your transfer will be rejected if you have insufficient funds in your account balance to cover the transfer. The system will display or voice out a message that the source account balance is not sufficient for the transaction. For Post-date and recurring transactions, you may view the status of your scheduled Fund Transfer transactions via myBDO Internet Banking under My Financial Services/Fund Transfer/View Fund Transfer Status.

10.

How can I prove that transfers are made?

You will be given a Transaction Reference Number after every transaction to identify the transfer transaction. For Fund Transfers made via myBDO Internet Banking, a confirmation screen is displayed after every successful payment transaction, which can be printed for reference. In addition, the transfers made will appear on your Account Details screen so you can see when they were posted.

11.

Is there a service fee for myBDO Internet Banking and BDO Phonebanking Fund Transfers?

Our fund transfer service is free of charge.

VI.

Wire Transfers

1. What is a wire transfer request?

2. When will my wire transfer requests be processed?

3. How will I know that my wire transfer requests have been completed?

4. Is there a limit to the amount I can transfer?

5. Is there a service charge fee for wire transfer requests?

6. When will my account be debited for the Wire Transfer charges?

7. What happens if I don't have enough money in my deposit account to cover Wire Transfer Request?

1.

What is a wire transfer request?

A Wire Transfer request is a service request that permits the transfer of US Dollar funds from your Banco De Oro US Dollar Savings Accounts to

accounts in local and offshore banks. This transaction only requests the Wire Transfer. The actual transfer of funds must be processed by Banco de Oro personnel and the beneficiary bank receiving the wire transfer. Wire transfer is available only via myBDO Internet Banking.

2.

When will my wire transfer requests be processed?

The cut-off time for wire transfer requests is at 12:00 NN on weekdays. Wire transfer requests that are received before the cut-off time will be processed immediately by our Banco De Oro personnel. The requests will then be forwarded to their corresponding beneficiary banks for the actual transfer of funds. Wire transfer requests made after cut-off time, on weekends and holidays will be processed on the next banking day. NOTE: On the average, it takes 2-3 banking days to complete a wire transfer request from the time it is sent.

3.

How will I know that my wire transfer requests have been completed?

A confirmation e-mail will be sent to you once the wire transfer requests have been completed. When processed, your wire transfer transactions will appear on your Transaction History screen so you can see when they were posted. You can also inquire via myBDO Internet Banking though My Services/Wire Transfer/ Wire Transfer Status Inquiry

4.

Is there a limit to the amount I can transfer?

There is no limit to the amount you can transfer.

5.

Is there a service charge fee for wire transfer requests?

Yes. The following are the charges for Wire Transfer Request.

Service Charge: $ 10.00 (Local)

$ 10.00 (International) A $15.00 additional charge for International Remittance will be debited from your account if On-Us is selected in Remittance Charge Field

6.

When will my account be debited for the Wire Transfer charges?

Charges will be debited from your account together with the Wire Transfer principal amount you've applied for immediately upon request.

7.

What happens if I don't have enough money in my deposit account to cover Wire Transfer Request?

Your request will be rejected if you have insufficient funds in your account balance to cover the Wire Transfer Principal amount and the charges.

VII.

Pay Bills

1. How do I get started with MyBDO Internet Banking and BDO Phonebanking Bill Payments?

2. What bills can I pay through myBDO Internet Banking and BDO Phonebanking?

3. What is the maximum amount accepted for Bills payment via myBDO Internet Banking and BDO Phonebanking?

4. What are my schedule options in paying my bills?

5. Can I cancel Post-Dated and Recurring Bills Payment Requests?

6. What is the cut-off time for Bills Payment transactions?

7. Can I change payment amounts for scheduled payments?

8. What happens if I don't have enough money in my deposit account to pay my bills?

9. How can I prove payments are made?

10. Is there a fee for MyBDO Internet Banking and Phonebanking Bill Payments?

1.

How do I get started with MyBDO Internet Banking and BDO Phonebanking Bill Payments?

Once you have applied for myBDO Internet Banking and BDO Phonebanking, you will be asked to provide all your subscriber numbers from BDO's list of institutions that you would like to enroll for bill payments. You must indicate the Subscriber's Nos. during enrollment under Merchant Enrollment or through any of the following methods:

• Log-in to myBDO Internet banking and enroll your accounts under My Profile/Merchants/Add Merchants.

• Visit your preferred branch and complete an BDO Electronic

Banking Enrollment/Update Form Note that you may enroll up to 20 merchants for Bills Payment. Note that you may start paying merchants upon enrollment.

2.

What bills can I pay through myBDO Internet Banking and BDO Phonebanking?

The following are the merchants available for Bills Payment:

ACE INSURANCE AIG CREDIT CARD CO., PHIL. INC

AIG VISA CLASSIC AIG VISA GOLD AIG MASTERCARD CLASSIC AIG MASTERCARD GOLD

AMERICAN EXPRESS BANK PHIL INC - Peso

AMEX DOLLAR CARD-PESO PAYMENT

APO CEMENT CORP. APO CONCRETE ASIA PACIFIC E-SERV CORP BILL SERV

ASIAN SPIRIT, INC. ATENEO ATENEO GRADE

SCHOOL ATENEO BUSINESS SCHOOL ATENEO LOYOLA SCHOOLS

AZ COMMUNICATION NETWORK, INC.

BANKARD BANKARD MASTERCARD BANKARD VISA BANKARD JCB RCBC MASTERCARD RCBC JCB BANKARD ONE

BAYANTEL DAVAO BAYANTEL GMA BDO CREDIT CARD BDO INSURANCE BROKERS INC.

HULL CGL BANKERS BLANKET BOND

BOND ENGINEERING GROUP LIFE MRI TRAVEL PA/TRAVEL SECURE MOTOR/MOTOR SECURE CASUALTY/FLOATER MARINE CARGO INDIVIDUAL PA/ACCIDENT SECURE INDIVIDUAL LIFE/PESO SECURE HEALTH GROUP PA FIRE/HOME SECURE

CABLELINK-PARANAQUE CABLE TV

CENTRAL CATV (SKYCABLE)

CENTRAL CATV(ZPDEE) CITIBANK CITIBANK

MASTERCARD CITIBANK VISA CITIBABK READY CREDIT MLA/CEBU CITIBANK READY CREDIT INSTALLMENT

DIGITEL DIRECTORY PHILS CORP (DPC)

EASTERN TELECOMMUNICATIONS PHILIPPINES, INC.

EASTWEST BANK MASTERCARD

E-CENSUS (UNISYS) EQUITABLE CARD NETWORK INC

ECN AMEX ECN JCB ECN MASTERCARD TITANIUM ECN MASTERCARD ECN VISA ECN VISA CORPORATE CARD VISA DISTRIBUTION

CARD VISA PURCHASING CARD

EQUITABLE INSURANCE BROKERAGE

FILINVEST LAND, INC. FORTUNE CEMENT FR CEMENT GENERALI-LIFE GENERALI-NON LIFE GENERALI PIL BANKCASSURANCE

COLLEGE SECURE LIFE SECURE PREMIUM CASHBACK

GLOBE TELECOM INC. GLOBE HANDYPHONE GP BANCASSURANCE SUBSEQUENT PA

COLLEGE SECURE LIFE SECURE PREMIUM CASHBACK

GREENPEACE FOUNDATION, INC.

HSBC CREDIT CARD HSBC PERSONAL LOAN ILIGAN CEMENT INFOCOM TECHNOLOGIES INC

INNOVE LEC (LANDLINE) GNET BC LEASE

LLOYD'S RICHFIELD LOYOLA PLANS, INC. MACONDRAY FINANCE CORP.

MANILA GOLF AND COUNTRY CLUB

MANULIFE FINANCIAL PLANS

MANULIFE PHILS. MATRIX MOBILE, INC. MAXICARE HEALTHCARE CORP.

MINDANAO PORTLAND MORINDA

NEXT MOBILE, INC. PACIFIC INTERNET PHILAM LIFE INSURANCE COMPANY

PHILAM PLANS INC. PILIPINO CABLE - BACOLOD

PILIPINO CABLE - BAGUIO

PILIPINO CABLE - CAMANAVA

PILIPINO CABLE - GMA / RIZAL

PILIPINO CABLE - ILOILO

PILIPINO CABLE - LAGUNA / CAVITE

PILTEL-MOBILINE PIONEER LIFE INC. PLATINUM PLANS, INC. PLDT PORTAL AMAX

ELOAD PLOAD

PRUDENTIALIFE PLANS INC.

PRU LIFE U.K. QUEZON CITY SPORTS CLUB

REPUBLIC CEMENT RIVIERA GOLF & COUNTRY CLUB

SKY INTERNET SMART COMMUNICATIONS INC.

SOLID BROADBAND CORPORATION

SOLID CEMENT CORP. SONY LIFE INSURANCE COPR.

SOS CHILDREN'S VILLAGES INC.

STANDARD CHARTERED BANK

VISA MASTERCARD LOW RATE PLAN

ST. PETER LIFE PLAN - PAYMENTS

SUN CELLULAR(DIGITEL MOBILE)

SUN LIFE OF CANADA PHILIPPINES INC.

SUN LIFE FINANCIAL PLANS INC.

TAGAYTAY HIGHLANDS INTL

TAGAYTAY MIDLANDS GOLF CLUB

TELECOMMUNICATIONS TECHNOLOGIES PHILIPPINES, INC.

THE COUNTRY CLUB AT TAGAYTAY

THE HIGHLANDS PRIME COMM CONDO

THE ORCHARD GOLF & COUNTRY CLB

TOYOTA FINANCIAL SERVICES PHIL

TRI-ISYS INTERNET Overtime, we will be adding more companies to make it even more convenient for you to pay your bills.

3.

What is the maximum amount accepted for Bills payment via myBDO Internet Banking and BDO Phonebanking?

There is no limit in the amount that you may pay in myBDO Internet Banking and BDO Phonebanking. You may pay your bills up to your available balance.

4.

What are my schedule options in paying my bills?

You may pay your bills immediately for myBDO Internet Baking and BDO Phonebanking. For myBDO Internet Banking enrollees, you may also request for Post-dated or Recurring Bills Payment transactions. For immediate Bills Payment, your Bills Payment requests are processed immediately upon execution. Your balance will reflect the transactions correspondingly. For Post-dated Bills Payment transactions, you may specify payment date during your request. Request for scheduled payment should be at least one day prior to the scheduled date. For Recurring Bills Payment transactions, you can schedule monthly payments to a specific, merchant for the next months or years. When requesting for a recurring Bills Payments, you must specify start date and end-date of per request. Request for Recurring payments should be at least one day prior to the start date. Post-dated and Recurring Bills Payment are processed at 7:00 pm on the scheduled date.

5.

Can I cancel Post-Dated and Recurring Bills Payment Requests?

Yes. You may cancel scheduled Bills Payment on or before 7:00pm on the scheduled date via myBDO Internet Banking under My Financial Services/Bills Payment/View/Edit/Delete Bills Payment Request/s.

6.

What is the cut-off time for Bills Payment transactions?

The cut-off time for Bills Payment is 8:30pm. All transactions made after the cut-off time and during week-ends and holidays are subject to verification and will be considered transactions for the next banking day.

7.

Can I change payment amounts for scheduled payments?

Yes. You can change payment amounts online via myBDO Internet Banking under My Financial Services/Bills Payment/View/Edit/Delete Bills Payment Request/s on or before 7:00pm on scheduled date.

8.

What happens if I don't have enough money in my deposit account to pay my bills?

Your payment will be rejected if you don't have enough funds in your

account balance to cover a payment. The system will display or voice out a message that the source account balance is not sufficient for the transaction. For Post-date and recurring transactions, you may view the status of your scheduled Bills Payment Transactions via myBDO Internet Banking under My Financial Services/Bills Payment/View Bills Payment Status Inquiry.

9.

How can I prove payments are made?

You will be given a Transaction Reference Number after every successful payment transaction in BDO Phonebanking. For payments made via myBDO Internet Banking, a confirmation screen is displayed after every successful payment transaction, which can be printed for reference. In addition, the payments you made will appear on your Transaction History screen so you can see when they were posted.

10.

Is there a fee for MyBDO Internet Banking and Phonebanking Bill Payments?

No. Our bill payment service is free of charge.

VIII.

BDO Cash Card Reload

1. What is a BDO Cash Card Reload?

2. How do I get started with myBDO Internet Banking and BDO Phonebanking BDO Cash Card Reload?

3. Is there a limit to the amount I can reload through myBDO Internet Banking and BDO Phonebanking?

4. What are my schedule options in BDO Cash Card Reload?

5. Can I cancel Post-dated and Recurring BDO Cash Card Reload Requests?

6. What is the cut-off time for BDO Cash Card Reload transactions?

7. Can I change reload amounts for scheduled BDO Cash Card Reloads?

8. What happens if I don't have enough money in my deposit account to reload funds?

9. How can I prove that reloads are made?

10. Is there a service fee for myBDO Internet Banking and BDO Phonebanking BDO Cash Card Reloads?

1.

What is a BDO Cash Card Reload?

BDO Cash Card Reload is a transfer between your own enrolled accounts (Current and Savings Accounts and BDO Cash Card) to any BDO Cash. However, reloading fund to a Third Party BDO Cash Card accounts require enrollment.

Time deposit and Consumer Loan accounts cannot be used as source for Cash Card Reloads.

2.

How do I get started with myBDO Internet Banking and BDO Phonebanking BDO Cash Card Reload?

You must first enroll your accounts with myBDO Internet Banking and BDO Phonebanking. Your own accounts will automatically be available as Source (Current and Savings Accounts and BDO Cash Card) and Destination Accounts (BDO Cash Card only). To reload funds to Third Party BDO Cash Card, you must indicate the Cash Card Nos. during enrollment under Third Party Fund Transfer Enrollment or through any of the following methods:

• Log-in to myBDO Internet banking and enroll your accounts under My Profile/Third Party/Add Third Party Accounts.

• Visit your preferred branch and complete an BDO Electronic

Banking Enrollment/Update Form Note that you may enroll up to 20 3rd Party Accounts (Savings and Current Accounts and BDO Cash Card). Enrollment of Third Party Accounts requires approval of Electronic Banking Unit before you can request for reload to these accounts.

3.

Is there a limit to the amount I can reload through myBDO Internet Banking and BDO Phonebanking?

Reload limit would depend on the BDO Cash Card you are reloading. BDO Cash Card has a balance limit depending on the type of card you are reloading. Balance should not exceed limits as follows:

Generic - Php 10,000.00 Personalized - Php 25,000.00 Corporate - Php 100,000.00

4.

What are my schedule options in BDO Cash Card Reload?

You may reload funds immediately for myBDO Internet Baking and BDO Phonebanking. For myBDO Internet Banking enrollees, you may also request for Post-dated or Recurring reloads. For immediate reloads, your BDO Cash Card Reload transactions are processed immediately upon execution. Your balance will reflect the

transactions correspondingly. For Post-dated reloads, you may specify reload date during your request. Requests for scheduled reload should be at least one day prior to the scheduled date. For Recurring reloads, you can schedule monthly reloads to a specific account for the next months or years. When requesting for a recurring BDO Cash Card Reloads, you must specify start date and end-date of per request. Request for scheduled reload should be at least one day prior to the start date. Post-dated and Recurring BDO Cash Card Reloads are processed at 9:30pm on the scheduled date.

5.

Can I cancel Post-dated and Recurring BDO Cash Card Reload Requests?

Yes. You may cancel scheduled requests on or before 7:30 on the scheduled date via myBDO Internet Banking under My Financial Services/BDO Cash Card Reload/View/Edit/Delete Cash Card Reload Request/s.

6.

What is the cut-off time for BDO Cash Card Reload transactions?

The cut-off time for BDO Cash Card Reload is 9:30pm. All transactions made after the cut-off time and during week-ends and holidays are subject to verification and will be considered transactions for the next banking day.

7.

Can I change reload amounts for scheduled BDO Cash Card Reloads?

Yes. You can change BDO Cash Card Reload amounts online via myBDO Internet Banking under My Financial Services/BDO Cash Card Reload/View/Edit/Delete Cash Card Reload Request/s on or before 7:30 on the scheduled date .

8.

What happens if I don't have enough money in my deposit account to reload funds?

Your reload will be rejected if you have insufficient funds in your account balance to cover the reload. The system will display or voice out a message that the source account balance is not sufficient for the transaction. For Post-date and recurring BDO Cash Card Reloads, you may view the

status of your scheduled BDO Cash Card Reload transactions via myBDO Internet Banking under My Financial Services/BDO Cash Card Reload/View Cash Card Reload Status Inquiry.

9.

How can I prove that reloads are made?

You will be given a Transaction Reference Number after every transaction. For BDO Cash Card Reloads made via MyBDO Internet Banking, a confirmation screen is displayed after every successful reload transaction, which can be printed for reference. In addition, the reloads made will appear on your Account Details screen so you can see when they were posted.

10.

Is there a service fee for myBDO Internet Banking and BDO Phonebanking BDO Cash Card Reloads?

Our Cash Card Reload service is free of charge.

IX.

Prepaid Mobile Reload

1. What is a Prepaid Mobile Reload?

2. What are the available Telcos and Denomination for Prepaid Mobile Reload?

3. What is the validity of my reload denominations?

4. How do I get started with myBDO Internet Banking and BDO Phonebanking Prepaid Mobile Reload?

5. Is there a limit to the amount I can reload through myBDO Internet Banking and BDO Phonebanking?

6. What are my schedule options in Prepaid Mobile Reload?

7. Can I cancel Post-dated and Recurring BDO Cash Card Reload Requests?

8. What is the cut-off time for Prepaid Mobile Reload transactions?

9. Can I change reload amounts for scheduled Prepaid Mobile Reloads?

10. What happens if I don't have enough money in my deposit account to reload funds?

11. How can I prove that reloads are made?

12. Is there a service fee for MyBDO Internet Banking and BDO Phonebanking Prepaid Mobile Reloads?

1.

What is a Prepaid Mobile Reload?

Prepaid Mobile Reload allows you to reload enrolled Prepaid Mobile Phone from your accounts (Current and Saving Accounts and BDO Cash Card). However, you need to enroll all Prepaid Mobile Nos. before you can request for reloads.

2.

What are the available Telcos and Denomination for Prepaid Mobile Reload?

You may reload to any enrolled Globe and Touch Mobile Prepaid Nos. The following are the available denominations per telco:

Globe

• P100 • P250 • P500

Touch Mobile

• P200 • P400

3.

What is the validity of my reload denominations?

The validity of the reload would depend on the denomination. Please see list below:

Denomination Validity Globe P 100 15 days P 250 60 days P 500 60 days Touch Mobile P 200 60 days P 400 60 days

4.

How do I get started with myBDO Internet Banking and BDO Phonebanking Prepaid Mobile Reload?

You must first enroll your accounts with myBDO Internet Banking and BDO Phonebanking. Your own accounts will automatically be available as Source (Current and Saving Accounts and BDO Cash Card). To reload Prepaid Mobile Nos. you must indicate the Prepaid Mobile No. during enrollment under Prepaid Mobile Reload Enrollment or through any of the following methods:

• Log-in to myBDO Internet banking and enroll your accounts under My Profile/Mobile No./Add Mobile Nos.

• Visit your preferred branch and complete an BDO Electronic Banking Enrollment/Update Form

You may enroll up to 20 Prepaid Mobile Nos. and enrollment requires approval of Electronic Banking Unit.

5.

Is there a limit to the amount I can reload through myBDO Internet Banking and BDO Phonebanking?

No. You can reload up to the available balance of your source account.

6.

What are my schedule options in Prepaid Mobile Reload?

You may reload immediately for myBDO Internet Baking and BDO Phonebanking. For myBDO Internet Banking enrollees, you may also request for Post-dated or Recurring reloads. For immediate reloads, your Prepaid Mobile Reload transactions are processed immediately upon execution. Your balance will reflect the transactions correspondingly. For Post-dated Prepaid Mobile Reloads, you may specify reload date during your request. Requests for scheduled reload should be at least one day prior to the scheduled date. For Recurring Prepaid Mobile Reloads, you can schedule monthly reloads to a specific account for the next months or years. When requesting for a recurring reloads, you must specify start date and end-date of per request. Request for scheduled reload should be at least one day prior to the start date. Post-dated and Recurring Prepaid Mobile Reloads are processed at 8:00pm on the scheduled date.

7.

Can I cancel Post-dated and Recurring BDO Cash Card Reload Requests?

Yes. You may cancel scheduled requests on or before 9:30pm on the scheduled day via myBDO Internet Banking under My Financial Services/Prepaid Mobile Reload/View/Edit/Delete Prepaid Mobile Reload Request/s.

8.

What is the cut-off time for Prepaid Mobile Reload transactions?

The cut-off time for Prepaid Mobile Reload is 9:30pm. All transactions made after the cut-off time and during week-ends and holidays are subject to verification and will be considered transactions for the next banking day.

9.

Can I change reload amounts for scheduled Prepaid Mobile Reloads?

Yes. You can change Prepaid Mobile Reload amounts online via myBDO Internet Banking under My Financial Services/Prepaid Mobile Reload/View/Edit/Delete Prepaid Mobile Reload Request/s on or before the 7:30 processing time of scheduled transactions.

10.

What happens if I don't have enough money in my deposit account to reload funds?

Your reload will be rejected if you have insufficient funds in your account balance to cover the reload. The system will display or voice out a message that the source account balance is not sufficient for the transaction. For Post-date and recurring Prepaid Mobile Reloads, you may view the status of your scheduled Prepaid Mobile Reload transactions via myBDO Internet Banking under My Financial Services/Prepaid Mobile Reload/View Prepaid Mobile Reload Status Inquiry.

11.

How can I prove that reloads are made?

You will be given a Transaction Reference Number after every transaction. For Prepaid Mobile Reloads made via MyBDO Internet Banking, a confirmation screen is displayed after every successful reload transaction, which can be printed for reference. In addition, the reloads made will appear on your Account Details screen so you can see when they were posted.

12.

Is there a service fee for MyBDO Internet Banking and BDO Phonebanking Prepaid Mobile Reloads?

Our Prepaid Mobile Reload service is free of charge but your account will be debited for the amount you are reloading.

X.

Checkbook Reorder

1. How many checkbooks can I request via myBDO Internet Banking and BDO Phonebanking?

2. Is there a service fee for myBDO Internet Banking and BDO Phonebanking Checkbook Reorder?

3. How soon can I pick up my checkbooks after ordering online or through the phone?

4. Can I view the status of the Checkbook Reorder request?

1.

How many checkbooks can I request via myBDO Internet Banking and BDO Phonebanking?

You may request up to 2 checkbooks per request only.

2.

Is there a service fee for myBDO Internet Banking and BDO Phonebanking Checkbook Reorder?

Our Checkbook Reorder is free of charge but your account will be debited for the cost of checkbook which is P175.00 per checkbook.

3.

How soon can I pick up my checkbooks after ordering online or through the phone?

You may claim you checkbook from your branch of account three (3) weeks after request is made.

4.

Can I view the status of the Checkbook Reorder request?

Yes if you reordered your checkbook via myBDO Internet Banking. You may view the status of your request via My Service/Checkbook/Checkbook Reorder Status Inquiry.

XI.

Stop Payment Order

1. Can I perform Stop Payment Orders through MyBDO Internet Banking and BDO

Phonebanking?

2. Is there a fee for Stop Payment Order?

3. Can Stop Payment Orders be reversed online?

1.

Can I perform Stop Payment Orders through MyBDO Internet Banking and BDO Phonebanking?

Stop Payment Order can only be requested via myBDO Internet Banking.

2.

Is there a fee for Stop Payment Order?

SPO fee of P 200.00 per check will be debited from your account upon request.

3.

Can Stop Payment Orders be reversed online?

No. Stop Payment Orders cannot be reversed online. You have to go to your maintaining branch to lift the Stop Payment Order you issued through myBDO Internet Banking.

XII.

Call Center Banking

1. What is Call Center Banking Services?

2. Who can apply for Call Center Banking Services?

3. Is Call Center Banking Services accessible outside Metro Manila or the Philippines?

4. When can I start using Call Center Banking Services?

1.

What is Call Center Banking Services?

BDO Call Center services allow enrolled customers for certain banking transactions via CSO-Tellers, Mondays – Fridays, 9:00 am to 4:00 pm, in addition to customer services and telemarketing services. Once you applied for BDO Phonebanking, you will be automatically enrolled to Call Center Banking Services. The same Phonebanking User ID/Number and Phonebanking TPIN will be used for this facility. You can perform the following transactions with Call Center Banking Services:

• Check your Savings and Current account balances

• Inquire on your transaction history

• Pay your bills

• Transfer of funds between enrolled savings and current accounts OWNED by the customer

• Outward Foreign Telegraphic Transfer (Wire Transfer) for USD accounts only

•

Checkbook Reorder (available to CA only)

• Stop Payment Order (SPO) - available to CA only

• Pre-process Update Customer Info Requests

• Service Phoned-in Reports of Lost/Stolen Cards Note that Restricted Accounts are not allowed for enrollment to Call Center Banking Services.

2.

Who can apply for Call Center Banking Services?

BDO clients with Individual or Joint AND/OR Savings and Current Accounts.

3.

Is Call Center Banking Services accessible outside Metro Manila or the Philippines?

Yes. You may access BDO Phonebanking by dialing the following toll-free nos.:

Domestic Toll-Free No. : 1-800-10-631-8000

International Toll-Free No. :

Int. Access Code (IAC)- 800-8-631-8000

4.

When can I start using Call Center Banking Services?

You may start using Call Center Banking Services three (3) banking days after enrollment. For online enrollment, the three-banking day turn around time starts when BDO receives your Signed Online Enrollment form.

XIII.

Others

1. The buttons on myBDO Internet Banking doesn’t seem to work whenever I click them. What

should I do?

2. Why do I get an error every time I try to view or print my Online Enrollment Form?

3. How to disable pop-up blocker?

4. Some of the images of the website doesn't load completely? What can I do to fix this?

5. I'm having trouble with page updates? 6. How would I know if my Proxy settings are correct?

7. Do I have to allow the use of Java and JavaScript in my browser?

8. Im having problems logging in SSL settings. What should I do?

1.

The buttons on myBDO Internet Banking doesn’t seem to work every time I click them. What should I do?

You will need to perform the following adjustments to optimize your browser for use with myBDO. For Client's using Windows: You will need to have the Sun Microsystems Java Runtime Environment (JRE) software version 1.4.1 (1.4.2_06 or higher strongly recommended) software installed in your browser in order for certain areas of myBDO to function properly. Sun JRE version 5.0 (1.5) is also supported. To install this software: • Click here. The Download Java(TM) 2 Runtime Environment page appears. • Review and accept the License Agreement. • Select the appropriate download and follow the online instructions. For Client's using Mac: Follow these steps: • For Mac OS X, download and install the latest version of Java for Mac OS X. • For Mac OS 9 and earlier, download and install the MRJ 2.2.5. In addition, you will need to perform the following adjustments:

a. Netscape - Windows

1. Enable Java

• From the Edit menu, select Preferences • In the left-hand pane, select Advanced • Make sure the Enable Java checkbox is selected • Click OK

2. Switch to the Sun Java Runtime Environment

• Open the Windows Control Panel by clicking Start > Settings > Control Panel. The Control Panel appears. • Locate and double-click Java or Java Plug-in. The Java Control Panel appears. • Look for the Browser tab. > If the Browser tab does not exist, skip the rest of this section. > If the Browser tab exists, click the Browser tab. • Under Settings, select the checkbox next to your browser. • Click Apply to save your settings. • Restart the browser.

3. Enable JavaScript

• From the Edit menu, select Preferences • In the left-hand pane, click the arrow next to Advanced, and select Scripts & Plug-ins • Under Enable JavaScript for, make sure the Navigator checkbox is selected. • Click OK

b. Netscape - Mac

1. Enable Java

• From the Edit menu, select Preferences • In the left-hand pane, select Advanced • Make sure the Enable Java checkbox is selected • Click OK

2. Enable JavaScript

• From the Edit menu, select Preferences • In the left-hand pane, click the arrow next to Advanced, and select Scripts & Plug-ins • Under Enable JavaScript for, make sure the Navigator checkbox is selected. • Click OK

c. Mozilla - Windows

1. Enable Java

• From the Edit menu, select Preferences • In the left-hand pane, select Advanced • Make sure the Enable Java checkbox is selected • Click OK

2. Switch to the Sun Java Runtime Environment

• Open the Windows Control Panel by clicking Start > Settings > Control Panel. The Control Panel appears. • Locate and double-click Java or Java Plug-in. The Java Control Panel appears. • Look for the Browser tab. > If the Browser tab does not exist, skip the rest of this section. > If the Browser tab exists, click the Browser tab. • Under Settings, select the checkbox next to your browser. • Click Apply to save your settings. • Restart the browser.

3. Enable JavaScript

• From the Edit menu, select Preferences • In the left-hand pane, click the plus sign (+) next to Advanced, and select Scripts & Plug-ins • Under Enable JavaScript for, make sure the Navigator checkbox

is selected. • Click OK

d. Mozilla - Mac

1. Enable Java and JavaScript

• From the Mozilla menu, select Preferences • In the left-hand pane, select Advanced • Make sure the Enable Java checkbox is selected • In the left-hand pane, click the arrow next to Advanced, and select Scripts & Plug-ins • Under Enable JavaScript for, make sure the Navigator checkbox is selected. • Click OK

e. Safari - Mac

1. Enable Java

• From the Safari menu, select Preferences • In the top pane, select Security • Next to Web Content, make sure the Enable Java checkbox is selected • Close the pop-up window.

2. Enable JavaScript

• From the Safari menu, select Preferences • In the top pane, select Security • Next to Web Content, make sure the Enable JavaScript checkbox is selected • Close the pop-up window.

f. Internet Explorer - Windows

1. Enable Java

• Select Tools then choose Internet Options. The Internet Options screen appears. • Select the Security tab. • Click the Custom Level button. The Security Settings screen appears. • Look for the Java Permissions section. > If the section does not exist, continue to the next step. > If the section exists, choose Low, Medium or High safety • Click OK. The Internet Options screen appears. • Click OK

2. Switch to the Sun Java Runtime Environment

• Open the Windows Control Panel by clicking Start > Settings > Control Panel. The Control Panel appears. • Locate and double-click Java or Java Plug-in. The Java Control

Panel appears. • Look for the Browser tab. > If the Browser tab does not exist, skip the rest of this section. > If the Browser tab exists, click the Browser tab. • Under Settings, select the checkbox next to your browser. • Click Apply to save your settings. • Restart the browser.

3. Enable JavaScript

• Select Tools then choose Internet Options. The Internet Options screen appears. • Select the Security tab. • Click the Custom Level button. The Security Settings screen appears. • Scroll down to Scripting, and enable Active Scripting and Scripting of Java Applets. • Click OK. The Internet Options screen appears. • Click OK

g. Internet Explorer - Mac

1. Enable Java

IE 5.2

• From the menu bar select Explorer then choose Preferences • Select the arrow next to Web Browser to expand the options • Select Java • Under Java Options select the option Enable Java • Click OK

IE 5.0 and 5.1

• From the menu bar select Edit then choose Preferences • Select the arrow next to Web Browser to expand the options • Select Java • Under Java Options select the option Enable Java • Click OK

2. Enable JavaScript

• From the Explorer or Edit menu, select Preferences • Select the arrow next to Web Browser to expand the options • Select Web Content • Under Active Content, select Enable Scripting. • Click OK

h. Firefox - Windows

1. Enable Java • From the Tools menu, select Options

• In the left-hand pane, click Web Features • Make sure the Enable Java checkbox is selected • Click OK

2. Switch to the Sun Java Runtime Environment

• Open the Windows Control Panel by clicking Start > Settings > Control Panel. The Control Panel appears. • Locate and double-click Java or Java Plug-in. The Java Control Panel appears. • Look for the Browser tab. > If the Browser tab does not exist, skip the rest of this section. > If the Browser tab exists, click the Browser tab. • Under Settings, select the checkbox next to your browser. • Click Apply to save your settings. • Restart the browser.

3. Enable JavaScript

• From the Tools menu, select Options • In the left-hand pane, click Web Features • Make sure the Enable JavaScript checkbox is selected • Click OK

i. Firefox- Mac

1. Enable Java and JavaScript

IE 5.2

• From the Firefox menu, select Preferences • In the left-hand pane, click Web Features • Make sure the Enable Java and Enable JavaScript checkboxes are selected • Click OK

2.

Why do I get an error every time I try to view or print my Online Enrollment Form?

The Online Enrollment Form can be viewed via the I-net Crystal Clear Report. If you are encountering errors in viewing I-Net Crystal Clear Report, please enable ActiveX Controls and Downloads Options of you browser.

a. Internet Explorer - Windows

• Select Tools then choose Internet Options. The Internet Options screen appears. • Click the Security tab • Click on the Custom Level button.

• Configure the six categories by following the directions below: > Active X Controls and Plug-ins 1. Enable Download signed ActiveX 2. Run ActiveX controls and plug-ins 3. Script ActiveX controls marked safe for scripting. > Downloads - Enable File Download. • Click OK, then Click OK again.

b. Internet Explorer - Mac

• From the menu bar select Explorer then choose Preferences • Select the arrow next to Web Browser to expand the options • Select Active Content. • Select all the options under Active Content. • Click OK.

3.

How to disable pop-up blocker?

While using myBDO, if you are unable to view alert messages, error messages and download links, then you need to disable pop-up blocking for your MyBDO server. Depending on the pop-up blocking software you are using, you may be able to set your MyBDO server as an allowed site, or you may need to disable the pop-up blocker while using MyBDO. Pop-up blockers work in the background while you browse the Internet. When they detect a pop-up window that may be an unwanted advertisement, they automatically close the window. This can prevent MyBDO from performing properly. To disable pop-up blockers: click here

4.

Some of the images of the website doesn't load completely? What can I do to fix this?

CAUSE This problem may occur if the Web site or an intermediate device, such as a load balancing switch, responds to the Internet Explorer 6 GET request with an HTTP 302 (redirect) server response packet and the Transmission Control Protocol (TCP) FIN (that is, finished) bit is set, but the TCP RESET bit is not. WORKAROUND To work around this problem in Internet Explorer 6, click View, and then click Refresh.

5.

I'm having trouble with page updates?

Do you have problems with page updates? Old pages were being display. Changes you just made are not visible in the page. This problem most typically has got to do with your browser settings or possibly you organization's proxy server. You should check that your browser is set to check for newer versions of pages with every visit. Cache settings

Netscape 7 • Edit/Preferences/Advanced/Cache • Compare the page in the cache to the page on the network • Choose option "Every time I view the page"

Netscape 4.78 • Edit/Preferences/Advanced/Cache • Document in cache is compared to document on network • Choose option "Every time"

Internet Explorer 6 • Tools/Internet Options/General/Temporary Internet Files/Settings • Check for newer versions of stored pages • Choose option "Every visit to the page"

Internet Explorer for Mac 5.2 • Explorer/Preferences/Web Browser/Advanced/Cache • Choose option "Always".

Opera 6.0 • Edit/Preferences/History and cache/Check modified/Documents • Choose option "Always"

6.

How would I know if my Proxy settings are correct?

Attention! It is possible that your organization's Internet connection goes through proxy server for security reasons. Consult your organizations Internet security personnel for the correct settings and before changing these settings.

7.

Do I have to allow the use of Java and JavaScript in my browser?

MyBDO is using Java and Javascript to validate and process your request. Browser must allow the use of Java and JavaScript in order to use all the features of myBDO.

Netscape 7

• Edit/Preferences/Advanced • Choose options "Enable Java" and "Enable JavaScript for Navigator"

Netscape 4.78

• Edit/Preferences/Advanced • Choose options "Enable Java" and "Enable JavaScript"

Internet Explorer 6

• Tools/Internet Options/Security/Security level • Choose Medium or Medium-low • You can also use the option "Custom level". Make sure that options "Scripting/Active Scripting/Enable" and "Scripting of Java applets/Enable" are chosen.

Internet Explorer for Mac 5.2

• Explorer/Preferences/Web Browser/Java • Choose option "Enable Java". • Explorer/Preferences/Web Browser/Security • Choose option "Medium (more secure)". • You can also use option "Custom". Make sure that options "Scripting: Execute scripts" and "Scripting: Execute scriptlets" are marked as "Enable".

Opera 6.0

• Edit/Preferences/Multimedia/Media types • Choose options "Enable Java" and "Enable plug-ins". • Before you click OK, choose also the following options: • Edit/Preferences/Multimedia/JavaScript • Choose option "Enable JavaScript".

In some rare cases it is possible that the above-mentioned setting do not help. Then it may be necessary to install Java Runtime Environment to your computer. You fill find it from the address below:

http://java.sun.com/products/archive/j2se/1.4.2_14/index.html

Below header " J2RE 1.4.2_14" choose link Download JRE and after accepting the agreement choose the right version of JRE for your operating system.

Read the instructions carefully and install. For Internet Explorer you must do one additional check up after you

have installed Java Runtime Environment.:

Internet Explorer 6

• Tools/Internet Options/Advanced/Java (Sun) • Choose option "Use Java 2 v1.4.2_01 for applet" • Restart Internet Explorer

8.

Im having problems logging in SSL settings. What should I do?

The login page of myBDO uses secured connection so that the login names and passwords of users will not end up in wrong hands. Using the secured connection demands that SSL (Secure Sockets Layer) protocol is enabled in the browser. You can check it out from you browser settings.

Netscape 7 • Edit/Preferences/Privacy & Security/SSL • Choose options "Enable SSL version 2", "Enable SSL version 3" and "Enable TLS".

Netscape 4.78 • Communicator/Tools/Security info/Navigator/Advanced Security (SSL) Configuration • Choose options "Enable SSL (Secure Sockets Layer) v2" and "Enable SSL (Secure Sockets Layer) v3"

Internet Explorer 6 • Tools/Internet Options/Advanced/Security • Choose options "Use SSL 2.0", "Use SSL 3.0" and "Use TLS 1.0".

Internet Explorer for Mac 5.2 • Explorer/Preferences/Network/Protocol Helpers • Make sure that option "https" is checked. If it isn't, you can activate from "Change"-button. Choose "Use current application if possible".

Opera 6.0

• Edit/Preferences/Security/Security protocols

Certificates Certificate is a document saved to your computer that certifies reliability of web server. Also myBDO uses certificates. In problematic situations concerning certificates it may be best to remove the old certificates. It is possible to view and delete these certificates in browsers. See instructions below:

Netscape 7

• Edit/Preferences/Privacy & Security/Certificates/Manage certificates

Netscape 4.78 • Communicator/Tools/Security info/Certificates/Web sites

Internet Explorer 6

• Tools/Internet Options/Content/Certificates/Certificates Opera 6.0

• Edit/Preferences/Security/Security protocols/Certificates/Authorities For client who are using IE7 - please refer to http://www.ie-

vista.com/known_issues.html

XIV.

EPCI E-Banking Migration

A. ATM & Debit Cards

1. What happens to the ATM Networks of BDO and EPCI?

2. Are all current transactions in EPCI ATM available in BDO?

3. Will my existing FASTeller ATM card be replaced?

4. Is cash advance for Visa, JCB and AMEX cards available at BDO ATMs?

5. Will my ATM PIN be changed?

6. Will I be able to access my EPCI accounts during the conversion weekend of my branch? 7. What happens if I forgot my ATM PIN? Can I still go to any EPCIB branch and perform PIN

change?

8. How will I change my ATM PIN once my account is converted?

9. What if my FASTeller ATM card is lost or stolen? Where do I report it?

10. Will my lost/stolen card be replaced? How?

11. What if my card is damaged or captured and eventually perforated by the Bank?

12. Can I still access my peso and dollar accounts linked to my ATM card?

1.

The buttons on myBDO Internet Banking doesn’t seem to work every time I click them. What should I do?

Our ATM Networks will be interconnected. With a combined network of more than 1200 ATMs, you will have better access your accounts free of inter-network charges.

2.

Are all current transactions in EPCI ATM available in BDO?

No. But, the ff transactions will be promoted/available at BDO ATMs by last quarter of this year:

• Bills Payment Unenrolled • Prepaid Card Reload / Purchase • Statement Request • Fund Transfer to Other Banks (IBFT)

• Deposits (selected ATMs only) 3.

Will my existing FASTeller ATM card be replaced?

No. You may still use your existing FASTeller cards to access your funds at any EPCI, ESB, BDO ATMs, as well as at any Megalink, Bancnet and Expressnet ATMs locally, and at any PLUS ATMs abroad.

4.

Is cash advance for Visa, JCB and AMEX cards available at BDO ATMs?

Cash Advance is available for JCB and AMEX cards. For Visa Cards, it will be available by last quarter of the year.

5.

Will my ATM PIN be changed?

No, you will still use your existing ATM PIN for all your ATM transactions.

6.

Will I be able to access my EPCI accounts during the conversion weekend of my branch?

During the conversion weekend when all your EPCI account information are be transferred to the new Banco de Oro-EPCI system, you will be unable to perform transactions through ATM, Point-of-Sale terminals, Retail Internet Banking, Phone Banking, Mobile Banking and other electronic banking channels.

7.

What happens if I forgot my ATM PIN? Can I still go to any EPCIB branch and perform PIN change?

If you forgot your PIN, you will have to apply for a new card at your branch of account. Replacement fee is P100. Upon receiving your new BDO card you must immediately go to any BDO ATM to nominate your PIN. Once your account has been converted, you may no longer perform PIN change at any unconverted EPCIB branch. Instead, changing of your PIN can ONLY be performed at any BDO ATMs.

8.

How will I change my ATM PIN once my account is converted?

You may opt to change your PIN anytime via any BDO ATM.

9.

What if my FASTeller ATM card is lost or stolen? Where do I report it?

You should report immediately to your branch of account, or call our EPCIB Call Center at 84911 or BDO Call Center at 6318000 for it to be blocked/suspended.

10.

Will my lost/stolen card be replaced? How?

After reporting your lost cards for blocking/suspension, you should proceed to your branch of account to request for a replacement card. You will also have to submit an "Affidavit of Loss" and pay the required card replacement fee of P100. Your card will now be replaced with a BDO ATM card. You will be advised by the branch to come back after 3-5 banking days (MM branches) to claim your new card. (7-10 banking days for provincial branches)

11.

What if my card is damaged or captured and eventually perforated by the Bank?

You will have to proceed to your branch of account to request for a new card, and pay the required card replacement fee of P100. Your card will now be replaced with a BDO ATM card. You will be advised by the branch to come back after 3-5 banking days to claim your new card. (7-10 banking days for provincial branches)

12.

Can I still access my peso and dollar accounts linked to my ATM card?

Our bank representatives will be calling to inform you that, to provide distinction on your peso and dollar accounts, you will be provided with two (2) new BDO ATM cards to replace your existing card, for free. One card is for your peso account and the other, for your dollar account. You may claim these replacement cards upon surrender of your existing ATM card at your branch of account.

II. Internet Banking/ Phone Banking / Mobile Banking

1. What happens to my enrollment in FASTNet / FASTPhone / FASTPhone SMS / E-Payment

once my EPCI branch is converted? 2. Can I still access my accounts and do financial transactions via the EPCI E-Banking channels? 3. What transactions can I do using my converted account in EPCIB Channles? 4. Do I need to re-enroll in BDO Electronic Banking to use the facility? 5. How do I access BDO Electronic Banking? 6. What log-in IDs do I use to access BDO Electronic Banking? 7. When can I start accessing BDO E-Channels? 8. Are all my enrolled accounts in EPCI E-Banking available in the BDO E-banking channels? 9. Are all current transactions in EPCI E-Banking available in BDO E-Banking? 10. What transactions are not available in EPCI E-Banking if I use my converted EPCIB account? 11. What will I do if I cannot access BDO E-Banking using my EPCIB PAN and Password?

12. I have existing accounts with BDO, how do I add them in my enrollment migrated to FastNet/FastPhone?

13. I have an existing enrollment to BDO E-Banking before my branch was converted but my enrollment to FastNet/FastPhone was migrated as a new enrollment to E-Banking, can I request for just one access?

14. What Account No. should I use when transacting in EPCIB Channels? 1.

What happens to my enrollment in FASTNet / FASTPhone / FASTPhone SMS / E-Payment once my EPCI branch is converted?

Your enrollment FASTNet / FASTPhone / FASTPhone SMS / E-Payment shall be converted to BDO Electronic Banking facilities as soon as one of your E-Banking enrolled account is converted to a BDO account. Following are the equivalent BDO E-Banking channels of EPCI Electronic Banking:

EPCIB

BDO

Internet Banking FASTNet myBDO Internet Banking

e-Payment FASTNet e-Payment myBDO Internet Banking

Phone Banking FASTPhone BDO PhoneBanking

Mobile Banking FASTPhone SMS

BDO Mobile Banking (soon to be launched)

For FastPhone SMS enrollees, you need to be enrolled to FastPhone also so that your enrollment may be migrated. If you are not enrolled in FastPhone, you may enroll to BDO PhoneBanking as soon as your account is converted.

2.

Can I still access my accounts and do financial transactions via the EPCI E-Banking channels?

Yes, you may still access FASTNet / FASTPhone / E-Payment using your EPCI usernames and passwords/PIN even if your EPCI accounts have already been converted to BDO accounts, but with limited services to your converted account/s. To enjoy all the facilities and services, it is recommended that you use BDO Electronic Banking as soon as all your accounts have been converted and enrolled in BDO Electronic Banking.

For FastPhone SMS, the service will be available for your converted accounts very soon.

3.

What transactions can I do using my converted account in EPCIB Channles?

You may still perform balance inquiry, fund transfer (converted to unconverted and vice versa) using your converted accounts in EPCIB E-

Channels.

However, these transactions will be unavailable for converted accounts via EPCIB Channels from:

Tuesday to Friday - 12:00 midnight to about 4:00am

4.

Do I need to re-enroll in BDO Electronic Banking to use the facility?

If you are an active user of FASTNet, FASTPhone or E-Payment, your accounts will automatically be enrolled in myBDO Internet Banking and/or BDO Phone Banking. Active status means that you have performed any online activity (log-in, inquiries, transactions) in EPCI E-Banking for the past year.

If you are a FASTPhone SMS user without FastPhone enrollment, you need to re-enroll in the BDO Mobile Banking facility as soon as the service is launched so that you can activate "BDO" in your mobile banking menu.

5.

How do I access BDO Electronic Banking?

You may access through the following:

myBDO Internet Banking BDO Homepage: www.bdo.com.ph

www.bancodeoro.com.ph Direct URL: https://www.mybdo.com.ph BDO PhoneBanking Metro Manila: 631-8000

Domestic Toll-Free No. 1-800-10-6318000

Intl. Toll-Free No. (IAC)+800-8-6318000 BDO Mobile Banking

Activate BDO in your Smart Mobile Banking (soon to be launched)

6.

What log-in IDs do I use to access BDO Electronic Banking?

To access myBDO Internet Banking and BDO PhoneBanking, migrated clients should use the current EPCI Log-In IDs (PAN and Password for FASTNet; PAN and FAN for FASTPhone)

For EPCI FASTPhone SMS:

If you are a FASTPhone SMS user (with FastPhone enrollment), you need to activate "BDO" in your mobile banking menu. (soon to be launched)

7.

When can I start accessing BDO E-Channels?

Migrated clients may start accessing BDO E-Channels on the 1st Monday after conversion of the EPCIB account.

Initial log-in to BDO PhoneBanking may be done anytime of the day.

For myBDO Internet Banking, initial log-in will be allowed anytime except:

Tuesday to Friday - 12:00 midnight to about 4:00am

8.

Are all my enrolled accounts in EPCI E-Banking available in the BDO E-banking channels?

Yes. Once your EPCI accounts are converted to BDO accounts, your enrolled accounts in EPCI E-Banking will automatically be available in BDO Electronic Banking.

9.

Are all current transactions in EPCI E-Banking available in BDO E-Banking?

Yes, but some transactions may require enrollment. Subscriber numbers for Bills Payment and 3rd Party destination accounts for Fund Transfers require enrollment which may de done online or thru any branch of BDO.

10.

What transactions are not available in EPCI E-Banking if I use my converted EPCIB account?

The following transactions will not be available for CONVERTED ACCOUNTS via EPCI E-Banking:

a) Fund Transfer from a CONVERTED to a CONVERTED ACCOUNT.

b) Bills Payment using CONVERTED account as source. c) Transaction History from the time account is CONVERTED

d) Checkbook Reorder & Record Check for CONVERTED accounts

e) Cashier/Traveler and Nee Account Opening

11.

What will I do if I cannot access BDO E-Banking using my EPCIB PAN and Password?

You may call BDO Contact Center so that they can assist you in your log-

in problems. You may contact them at:

Metro Mla

631-8000 / 84911

Domestic Toll Free No. 1-800-10-6318000

1-800-188-84911 (PLDT)

1-800-333-84911 (Digitel)

1-800-333-84911 (Digitel)

Int. Toll Free No. (IAC)+800-8-6318000

12.

I have existing accounts with BDO, how do I add them in my enrollment migrated to FastNet/FastPhone?

As soon as your enrollment is migrated, you may add your other BDO accounts via and BDO-EPCI Branches nationwide or if you are migrated to myBDO Internet Banking, you may add them online.

13.

I have an existing enrollment to BDO E-Banking before my branch was converted but my enrollment to FastNet/FastPhone was migrated as a new enrollment to E-Banking, can I request for just one access?

Yes. Please call BDO Contact Center and request for merging of your enrollment. Upon verification, BDO Contact Center shall request for merging of your enrollment. Turn around time for this request is 3-5 days.

14.

What Account No. should I use when transacting in EPCIB Channels?

When using EPCIB Channels, you need to enter the ECPIB Account No. when doing transaction. (i.e., when transferring funds from your CONVERTED using FASTPhone, you must enter the EPCI Account No. even if your account is already converted to BDO).

TROUBLE SHOOTING:

For clients with unsuccessful initial log-in to myBDO Internet Banking

• Verify with client the User ID and Password that was used to log-in

o EPCIB PAN should be the User ID used by the migrated client • Verify the date and time of the initial log-in o Initial log-in is not allowed during: • Tuesday to Saturdays - 12:00 midnight to about 4:00am

• Ask client to log-in to FastNet and check if access is allowed. If access is not allowed due to locked ID, initial log-in to myBDO Internet Banking will also be denied. Client must request for re-set of Password via Call Center.