January 9, 2017

*
ROSIE LAGOS ECLEO
VFSFSI-000368

26 21ST ST
WBB
2200 OLONGAPO CITY

PAYMENT REMINDERS
Payment Due Date . Payment must be made on or before your due date to avoid late payment fees.

If your Payment Due Date falls on a non-banking day, you must settle the account on the last

banking day before your Payment Due Date. For check payments or payment through other

channels, you may refer to the reminders on your Statement of Account.

METROBANK FEMME SIGNATURE VISA TABLE OF FEES AND RATES

Annual Fee (Principal) PHP4,500 (Waived on 1st Year) effective January 1, 2017

Annual Fee (Supplementary) PHP2,250 (FREE for life on the 1st Supplementary) effective January 1, 2017

Retail Monthly Effective

3.54% based on actual calendar days
Interest Rate

Cash Advance Monthly

3.96% based on actual calendar days and Cash Advance Fee
Effective Interest Rate

Cash Advance Fee PHP600 or 3% of the cash amount availed, whichever is higher.

Additional PHP500 if transacted over-the-counter.

Late Payment Fee PHP600 or 7.5% of the minimum amount due,

whichever is higher.

Over Credit Limit Fee PHP500 per occurrence

Account Maintenance PHP200 or an amount equivalent to the credit balance, whichever is

Fee lower will be charged to accounts with credit balance that are closed

or with no activity for the past 12 months.

Installment Pre- PHP500 or 5% of the remaining principal balance,

Termination Fee* whichever is higher

Gaming Fee 5% of the amount transacted

Returned Check Fee PHP1,500 for every returned check

Multiple Payment Fee PHP50 for each payment made to Metrobank Card in excess of

two (2) within a calendar month

Cash2Go Processing Fee PHP100 will be charged for every Cash2Go transaction

Balance Conversion PHP100 will be charged for every Balance Conversion transaction

Foreign Currency All charges, advances or amounts in currencies other than

Transactions Philippine peso (PHP) shall be converted to PHP based on Visa's

currency conversion rate at the time of posting and charged Visas

assessment fee plus 2.50% processing fee or service fees. The

processing or service fee shall likewise apply to transactions

involving foreign currencies converted to PHP at point of sale,

whether executed in the Philippines, abroad or online and shall cover

assessment fee and such other costs incurred or necessary to

discharge the amount(s) due VISA or the acquiring bank and/or

foreign merchant affiliates.

Payment of only the minimum amount due or any amount less than the total amount due for the billing cycle/period would result to the
imposition of interest and/or other charges.
*Applies to merchant installment, Cash2Go, Balance Transfer and Balance Conversion.
 SAMPLE INTEREST RATE COMPUTATION
Retail Transaction
Payment amount due: 5% of the outstanding balance or P500 whichever is higher.
Payment timing: 1 day after statement date
Retail Effective Interest Rate
Principal amount 20,000 Monthly Effective Interest Rate 3.54%

Outstanding Total
Month Retail Purchase Total Payment Interest Principal Balance Outstanding Balance
1 20,000 0 0 20,000 20,000
2 1,000 1,388 19,000 20,388
3 1,019 678 19,000 20,047
4 1,002 689 19,000 19,733
5 987 678 18,747 19,425
6 971 603 18,453 19,056
Cash Advance Transaction
Payment amount due: 5% of the outstanding balance or P500 whichever is higher.
Payment timing: 1 day after statement date
Cash Advance Effective Interest Rate
Principal amount 20,000 Monthly Effective Interest Rate 3.96%

Outstanding
Cash Advance Principal Balance Total
Month Availment Total Payment Interest (Inclusive of Cash Advance Fee) Outstanding Balance
1 20,000 0 798 20,600 21,398
2 1,070 762 20,328 21,091
3 1,055 776 20,036 20,813
4 1,041 766 19,772 20,538
5 1,027 683 19,511 20,194
6 1,010 743 19,184 19,928
*Sample computation in the tables of Retail and Cash advance transactions are based on actual calendar days assuming September being month 1.

Payment for Installment Transactions

The monthly installment amortization shall be computed as the Total Amount Payable divided by the approved Term of payment. Successive
installment amortizations shall be billed to the Card Member in the succeeding Statement of Accounts until the Total Amount Payable is billed in full.
Installment Type 0% Merchant Installment Transaction Date 20-Jul-15
Installment Amount 3,000 Posting Date of 1st Amortization 20-Jul-15
Term 3 Statement cut-off date 31st of every month
Monthly Amortization 1,000 Finance Charge Rate - Retail 42% annual

Transactions Amount Transaction Date Statement Date Days Rate Daily Factor FC Amount
Previous balance 1,000.00 8/1/2015 8/31/2015 31 42% 0.0027778 36.17
(July 31 Statement)*
Installment amortization 1,000.00 7/20/2015 7/31/2015 12 42% 0.0027778 14.00
(1st amortization)**
Payment*** (500.00) 8/15/2015 8/31/2015 17 42% 0.0027778 (9.92)
TOTAL INTEREST 40.25
* Previous balance refers to the 1st amortization posted from previous statement with interest accrual from 8/1/15 to 8/31/2015

** Installment amortization refers to 1st amortization posted from previous statement accruing from 7/20/15 to 7/31/15

*** Payment with interest accruing from 8/15/2015 to 8/31/2015

Cash2Go Installment Effective Interest Rates

The computation of the Monthly Installment Amortization shall be on a diminishing balance method. It means that interest per installment period shall be calculated based on the remaining outstanding
balance of the loan at the beginning of each installment period. The principal and interest portion of the computed monthly installment amortization across the end of the term will not be equal from
month to month. The first billing of the monthly amortization shall be on the day the installment transaction was processed by MCC and the succeeding monthly installments shall be billed the same day
every month except when the day fall on a non-processing day which will be automatically posted on the next processing day. The last billing of the monthly installment amortization maybe lower or
higher from the previous monthly installment amortization billing due to rounding-off differences.

Term Annual Effective Interest Monthly Effective Monthly Factor

Rate Interest Rate Rate
3 months 36.10% 2.602% 1.75%
6 months 41.40% 2.929% 1.75%
9 months 43.06% 3.029% 1.75%
12 months 43.59% 3.061% 1.75%
18 months 50.37% 3.458% 2.00%
24 months 49.49% 3.407% 2.00%
Installment / Loan Amount 20,000 Annual Effective Interest Rate 41.409%
Monthly Effective Interest Rate 2.9290% Term 6 Months
MONTHLY
INSTALLMENT INTEREST PRINCIPAL Outstanding
MONTH AMORTIZATION* COMPONENT** COMPONENT*** Principal Balance
0 20,000.00
1 3,683.27 585.80 3,097.47 16,902.53
2 3,683.27 495.07 3,188.20 13,714.33
3 3,683.27 401.69 3,281.58 10,432.75
4 3,683.27 305.58 3,377.69 7,055.06
5 3,683.27 206.64 3,476.63 3,578.43
6 3,683.24 104.81 3,578.43 0.00
Total 22,099.59 2,099.59 20,000.00
The Monthly Factor Rate is presented as a guide that can be used to derive the total monthly installment amortization (Principal plus Interest Portion Amount)

* Monthly Installment Amortization = (Installment or Loan Amount x 1/Term) + Installment or Loan Amount x Monthly Factor Rate

**Interest Component = Outstanding Principal Amount x Monthly Effective Interest Rate

***Principal Component = Monthly Installment Amortization - Interest Component

Rates are subject to change by MCC in line with special promotional offerings. Annual Effective Interest Rate is affected by the Monthly Factor Rate and Term.
 CREDIT CARD ACCOUNT
4055 9894 1421 1524
Account Number 1000 0000 0247 0951
Regular
Credit Limit
200,000.00
*
ROSIE LAGOS ECLEO
VFSFSI-000368

26 21ST ST
Statement Date Payment Due Date
WBB 7 January 2017 30 January 2017
2200 OLONGAPO CITY
Total Amount Due Minimum Amount Due
PHP 61,188.99 PHP 3,059.45

Previous Balance Plus Purchase/Debits Less Payments/Credits Total Amount Due

37,672.27 43,516.72 20,000.00 61,188.99
 Page 2 of 2
REMINDERS TRANSACTION DETAILS
Payment Due Date. All payments shall be in the billing currency of the issued card.
Payment must be made on or before 12:00 noon of the Payment Due Date indicated Post Tran Description Amount
on your Statement of Account (SOA) to avoid Late Payment Fees. If your Payment
Due Date falls on a holiday or non-banking day, you must settle the account on the Date Date
banking day before your Payment Due Date. Your Payment Due Date is at least 21
days after your cut-off date. Please contact our 24-hour Customer Service at (632) 8-
Previous Balance 37,672.27
700-700 if you still have not received your SOA a week before your usual Payment
Due Date. PESO ACCOUNT DETAILS
Minimum Amount Due. The Minimum Amount Due is the amount that must be paid
on or before your Payment Due Date to avoid late payment fee or penalty. The
ROSIE LAGOS ECLEO - 1000 0000 0247 0951
Minimum Amount Due is computed as the sum of (A) Outstanding balance (which is
equal to Total Amount due less overlimit amount less past due amounts) multiplied by
01/07 01/07 FINANCE CHARGES 1,084.30
5% plus (B) any amount in excess of the approved credit limit plus (C) all past due
amounts, if any, or (D) a required minimum amount imposed by MCC, whichever is ROSIE ECLEO - 4055 9894 1421 1524
higher. Note that if you pay any amount less than the Total Amount Due or make a
cash advance transaction, finance charge at the prevailing interest rate indicated in 12/27 12/27 CASH PAYMENT - THANK YOU - MB 20,000.00 C
our relevant notices and at our website is applied.
Computation of Finance Charge. If you opt to pay the Minimum Amount Due or
ELIZA FAITH L ECLEO - 4055 9894 2305 7645
any amount less than the Total Amount Due, you agree to pay the finance charge and
other charges, as provided by MCC, plus any applicable taxes and charges required
12/11 12/10 INSTL 1/6 BENEFIT TRINOMA 1,016.67
by the government on such charges. The finance charge, at MCC's prevailing rate,
will be computed using the average daily balance method upon the following: (A) your
12/10 12/10 INSTL 1/3 PUREBEAUTY TRINOMA 2,154.20
previous balance as reflected in the current SOA excluding Cash Advance Fee from
start to the end of the statement cycle, plus (B) cash advances posted during the
12/19 12/18 BUNGKUSS CORP-MARQUEE, ANGELES CITY, PH 2,511.00
current statement cycle, accruing from transaction date to the end of the statement
cycle, plus (C) the previous statement's purchase, installment principal and interest
12/19 12/18 UNIQLO SM CITY PAMPANG, PAMPANGA, PH 4,350.00
amortization, fees and charges and other debits, accruing from the corresponding
transaction dates to the end of the previous statement cycle, less (D) payments and
12/19 12/18 H&M, PAMPANGA, PH 6,784.00
credits posted during the current statement cycle, accruing from their posting dates to
the end of the current statement cycle except payments and credits applied to cash
12/20 12/18 MANGO, PAMPANGA, PH 1,377.50
advance fee. Any amount unpaid as of the Payment Due Date shall be deemed
payable on the next billing cycle. Finance charge rates may change and shall be
12/20 12/18 GIORDANO MARQUEE, PAMPANGA, PH 4,295.00
advised from time to time. 12/20 12/19 CHARLES & KEITH-HARBOR PT, ZAMBALES, PH 4,218.30
Check Payments. For check payments to be posted, funds must be cleared and
available on or before Payment Due Date. Payments made with a Metrobank check
12/20 12/19 WATSONS-HARBOR POINT, ZAMBALES, PH 2,690.00
through any Metrobank branch do not require clearing and will be posted on the same
day. Payments with a Metrobank check through other payment channels as well as
12/21 12/20 ALDO BTQ-HARBOR POINT, ZAMBALES, PH 1,600.00
payments with any other local check should be made at least 3 banking days before
Payment Due Date. Payments with regional check should be made at least 4 banking
12/21 12/20 MANGO HARBOR SUBIC, ZAMBALES, PH 2,680.00
days before Payment Due Date. Please make the check payable to Metrobank Card
Corporation and write the following information at the back of the check: (A)
12/20 12/20 YELLOW CAB HARBOR POINT, SUBIC, PHL 1,420.00
cardholder's complete name, (B) 16-digit credit card number, and (C) contact
number/s. Make sure that the check you issued has no erasures and corrections.
12/27 12/26 CESS B RAMOS CES T LA, OLONGAPO CITY, PH 3,816.00
Otherwise, it will not be accepted for payment, or will be rejected for clearing. 12/28 12/28 TOYS R US HARBOR POINT SU, ZAMBALES, PHL 1,627.75
Credit Limit Replenishment. Your credit limit will be replenished only after
payments have been posted to your credit card. For check payments, credit limit will 01/05 01/03 RAMEN NAGI UP TOWN CTR, QC, PH 1,892.00
only be replenished after the funds have been cleared.
Delinquent Account. If the Minimum Amount Due is not paid on or before the TOTAL AMOUNT DUE 61,188.99
Payment Due Date, your account shall be considered delinquent and in default. You
shall be liable to pay the Late Payment Fee, finance charge and other charges as
applicable. MCC reserves the right to demand full payment in case of default.
Late Payment Fee. If payment is received after the Payment Due Date, a Late
Payment Fee of 7.5% of the minimum amount due or PHP600, whichever is higher,
will be imposed.
SUMMARY OF OUTSTANDING INSTALLMENT
Credit Limit. Your credit card has one credit limit for both local and international
purchases. The cash advance and installment facilities form part of your total credit
Months Installment Unbilled Installment
limit. Moreover, the credit limit assigned to the principal card member is shared with
all supplementary card members. The total credit limit is subject to security and credit
Establishment Name
limit management conditions that MCC may impose for your benefit. MCC reserves Remaining Start Date Amount
the right to decline or approve any transaction and/or suspend the credit card
privileges of the principal card member and his/her supplementary card members
without prior notice if the credit limit will be or has been exceeded. MCC may demand 05 11/12/16 5,083.33 MERCHANT INSTALLMENT-0% 06M : BENEFIT
immediate payment of the amount over the credit limit or the total amount
outstanding. An over credit limit fee of PHP500 or such other amount as MCC may TRINOMA
set is charged for every overlimit occurrence.
Foreign Exchange. All charges, advances or amounts in currencies other than
Philippine Peso (PHP) shall be converted to PHP based on Visa's currency
conversion rate at the time of posting and charged Visa's assessment fee plus 2.50%
02 10/12/16 4,308.40 MERCHANT INSTALLMENT-0% 03M :
processing fee or service fees. The processing or service fee shall likewise apply to
transactions involving foreign currencies converted to PHP at point of sale, whether
PUREBEAUTY TRINOMA
executed in the Philippines, abroad, or online and shall cover assessment fees and all
other costs incurred or necessary to discharge the amount(s) due to Visa or acquiring
bank and/or foreign merchant affiliates. *Installment Start Date format is date/month/year
Cash Advance Fee. A cash advance fee of 3% of the cash amount availed or a
flat fee of PHP600, whichever is higher, is charged on the date the cash advance is
taken. An additional PHP500 will be charged if transacted over-the-counter. Finance
charges for cash advances at the prevailing interest rate of 3.75% per month shall ****END OF STATEMENT****
accrue from the date the cash advance is taken and will continue until the cash
advance is completely settled.
Gaming Transactions. A 5% service fee will be levied on gaming transactions
charged to your credit card. Gaming transactions include those that involve the PAYMENT MADE EASIER: Pay your Metrobank Credit Card bills through ATM (Metrobank or
placement of a wager, purchase of lottery tickets, in-flight commerce gaming, and the
purchase of chips or other values in conjunction with gaming activities provided by Bancnet) or through online payment via Metrobankdirect at www.metrobankdirect.com.
establishments such as casinos, race tracks, airlines, and the like.
Multiple Payment Fee. A fee of PHP50 will be charged for each payment made to
Metrobank Card in excess of two (2) within a calendar month.
Cash2Go Processing Fee. P100 will be charged for every Cash2Go transaction.
Balance Conversion Processing Fee. P100 will be charged for every Balance
Conversion transaction.
Returned Check Fee. A fee of PHP1,500 will be charged for check payments which
were returned due to reasons such as, but not limited to, insufficient funds, unsecured
deposit, stop payment order or closed account.
Overpayments. Overpayments made by the cardholder shall not earn interest and
shall be applied to succeeding credit card usage and charges. In case of
overpayment on closed accounts, a monthly Account Maintenance Fee of PHP200 or
an amount equivalent to the credit balance, whichever is lower will be charged to
accounts with credit balance that are closed or with no activity for the past 12 months.
Errors in Your Statement of Account. Please notify us within twenty (20) calendar
days from receipt of the SOA of any erroneous billing or discrepancy. Otherwise, the
SOA will be considered correct. Likewise, any payment shall be taken as conclusive
proof of your concurrence to all the amounts, figures, and charges appearing in the
SOA.
Change in Name, Address and Telephone Numbers. Please notify us of any
change in your name, billing (residence and business) address or telephone number
by calling our 24-hour Customer Service at (632) 8-700-700 or 1-800-1888-5775
(domestic toll-free). Otherwise, it is presumed that all information are still valid and
that you have received all communications and billings sent by MCC.
Lost or Stolen Card. For lost or stolen cards, please contact our 24-hour Customer
Service at (632) 8-700-700 or 1-800-1888-5775 (domestic toll-free) immediately upon
knowledge of the loss so we can block your card. Your liability for all purchases
and/or cash advances made through the use of your lost or stolen card will cease only
upon your written/verbal notification to and actual receipt or recording thereof by
MCC. The replacement card will have a new credit card number.
Card Security. Never give your credit card or disclose any information pertaining
thereto to any person even if he/she claims to be an employee or representative of
MCC. Surrender or return of the credit card plastic to MCC or any representative of
MCC is not required for card account cancellation, expiration/ termination, or
replacement. Credit card plastics contain personal information so make sure you
dispose of your cancelled cards properly.
Regulatory Limitations. Your card must not be used for the purchase of
items/goods the importation into the Philippines of which is subject to the provisions of
BSP Circular No. 1389, as amended, and all other circulars, laws, rules and
regulations pertaining to importation. Likewise, the proceeds of any cash advance
availments abroad shall not be used for foreign investments or the payment of foreign
loans or in violation of any existing foreign exchange rules and regulations.
Bangko Sentral ng Pilipinas (BSP) Requirements for Cards & Loans.
In compliance with BSP Circular Nos. 472, 549 and 622, please submit a copy of your
latest Income Tax Return or BIR Form 1700, or BIR Form 2316, or pay slips for the
REWARDS POINTS SUMMARY
past 3 months if your income is derived solely from compensation. If you are
employed, please submit your Audited Financial Statement AND latest BIR Form
1701. Also, please submit a copy of any VALID government issued ID with photo in Previous Pts. Balance ADD LESS This Month's Pts. Balance
compliance with BSP Circular No. 706. Please fax to (02) 751-5507, or email to
mcc_new_app@metrobankcard.com or send to Credit Acquisition, at 7th floor, MCC
Center, 6778 Ayala Avenue, Makati City 1226. Pts. Earned/Adjustment Pts. Redeemed/Adjustment

4,233 2,495 0 6,728

# Payment Validation Slip

ROSIE LAGOS ECLEO Account Number: 1000 0000 0247 0951

Total Amount Due: PHP61,188.99 Credit Card Account Number: 4055 9894 1421 1524
Payment Due Date: 30 January 2017 Minimum Amount Due: PHP3,059.45
Metrobank Card Corporation
The MCC Center, 6778 Ayala Avenue, Makati City, Philippines
Customer Service: 8-700-707 Fax Numbers: 858-8890 or 91
Domestic Toll Free: 1-800-10-8700-707
International Toll Free: 800-8-700-0707
Email Address: customerservice@metrobankcard.com