I.

THE METROBANK SECURED CARD

A. PRODUCT FEATURES

The Metrobank Secured Visa/MasterCard is an international card that enables you to settle all
local and foreign purchases in Philippine Currency. Its deposit hold-out requirement enables you
to do away with credit investigation procedures. Application requirements include a deposit hold-
out account maintained at any Metrobank Branch, and an accomplished Secured Metrobank
credit card application form.

The deposit hold-out account serves as a guarantee for the purchases made using the Secured
credit card. The account on hold-out could be a Peso or US Dollar savings/current account. The
amount on hold-out will be equivalent to your credit limit unless your deposit hold-out account is a
Dollar account. For Dollar accounts, only 90% of the designated amount on hold-out will be
available as your credit limit. Ten percent of the US Dollar hold-out amount will be reserved as
buffer for foreign exchange fluctuations. The minimum amount required for hold-out is P10,000
or its US Dollar equivalent.

B. APPLICATION REQUIREMENTS

Should you be interested in applying for a Secured credit card, please accomplish a Secured
credit card application form. The forms are available at any Metrobank Branch. Although the
Metrobank web site has an on-line application facility, may we advise you to proceed to the
nearest Metrobank Branch to secure a copy of the form. Please provide all the details required in
the application form, and affix your signature in the space provided. Should you wish to
designate an extension cardholder, please indicate this in the My Extension portion of the form.
The extension cardholder must also affix his/her signature in the space provided. Also
incorporated in the form is a Deed of Assignment through which you will designate the deposit
account for hold-out and the amount on hold-out. This should be signed in the presence of a
branch officer.

If you do not have an existing account with a Metrobank Branch, your branch visit will give you
the opportunity to complete your application requirements. Please provide all the information
required in the application form. Please specify your payment and delivery instructions. Should
you wish to avail of an Automatic Debit Arrangement (ADA), please indicate this in the ADA
portion of the form. The account to be debited could be separate from the one on hold-out, or the
same as the one on hold-out. However if the debit account is the same as the hold-out account,
then it should have sufficient funds to cover both debit amounts and the hold-out requirement.
Your application will be processed upon receipt of the original application form. The period
normally takes a week, while the delivery of the new card will take another week.

METROBANK SECURED VISA/MASTERCARD

A single-currency (Philippine Currency) international card with deposit hold-out arrangement

- No first-year annual fee waiver

- Annual fee charge: P1,400 – Principal cardholder / P800 – Supplementary cardholder
Classic; P2,500 – Principal cardholder / P1,500 – Supplementary cardholder Gold; P5,000 –
Principal cardholder / P2,500 – Supplementary cardholder Platinum; P1,500 – Principal
cardholder / P900 – Supplementary cardholder Femme; $40 – Principal cardholder / $25 –
 Supplementary cardholder Gold Dollar and $100 – Principal cardholder / $50 –
Supplementary cardholder Platinum Dollar
- Installment limit of up to 100% of the credit limit
- Cash advance fee:
Classic – P300 or 3% of the amount advanced, whichever is higher
Gold - P300 or 3% of the amount advanced, whichever is higher
Platinum MasterCard – P300 or 3% of the amount advanced, whichever is higher
Femme– P300 or 3% of the amount advanced, whichever is higher
Gold Dollar MasterCard - NA
Platinum Dollar MasterCard - NA
- Finance Charge:
Classic – 3.50%
Gold – 3.50%
Platinum MasterCard – 2.75%
Femme – 3.50%
Gold Dollar MasterCard – 2.75%
Platinum Dollar MasterCard – 2.75%

- Late payment fee:

Classic – P600 or 7.5% of the total amount due, whichever is higher
Gold – P500 or 7.5% of the total amount due, whichever is higher
Platinum MC – P500 or 7.5% of the total amount due, whichever is higher
Femme Visa - P600 or 7.5% of the total amount due, whichever is higher
Gold Dollar MC - P$10 or 7.5% of the total amount due, whichever is higher
Platinum Dollar MC – P$10 or 7.5% of the total amount due, whichever is higher

- Easy Payment Options – (a) pay the Minimum Amount Due which is 4% of the outstanding
balance or P250 whichever is higher, or (b) pay the Full Outstanding Balance, or (c) pay any
amount that is between the Minimum Amount Due and Full Outstanding Balance.
- Local and international uses of the card will enable the cardholder to earn points for the
Power Perks & Rewards Loyalty Program; points could be exchanged for gift checks,
premium items, or could be applied to succeeding annual fee charges
- With credit sub-limits for extension cardholders
- Balance transfer installment schemes
- With Automatic Debit Arrangement Facility
- Cash2Go Installment Plans
- Bills2Pay
- Cash Rush
- Convenient Payment Channels