As of March 6, 2011 PRINT PAGE Bank Service Fees.

Account Maintenance and Transaction Fees | Auxiliary Services | PCHC Charges | Inward Remittance Charges

Account Maintenance and Transaction Fees Amount of Fee / Charge Particulars BPI BPI Family Savings Bank

Monthly Service Charge for Falling Below the Required ADB - Maxi-One with Passbook - Other Peso Deposit Accounts - Dollar Savings Accounts Monthly Dormancy Charge - Peso Deposit Accounts - Dollar Deposit Accounts Fee for Closing within One Month from Date of Opening - Peso Deposit Accounts - Dollar Deposit Accounts Service Charge per Excess Withdrawal # of Free Withdrawals - Jumpstart Account 4 per month1 Php 10.00 Php 500.00 USD 15.00 Php 200.00 USD 5.00 Php 500.00 Php 200.00 Php 500.00 Php 150.00

USD 5.00

ATM Transactions at other Expressnet member banks, Megalink and BancNet ATMs - Balance Inquiry - Withdrawal Over-the-Counter (OTC) Withdrawals for ATM-based Accounts (except when ATM is off-line or if the transaction exceeds the daily ATM limit) Php 100.00 Php 1.50 per transaction Php 10.00 per transaction

Over-the-Counter (OTC) Funds Transfer via Debit/Credit Memo - Peso Deposit Accounts - Dollar Deposit Accounts Stop Payment Order (SPO) Application (per check) - Peso Checks - Dollar Checks Overdraft (OD) Accrual Charge - Fee - Subject to a minimum of 25.2% p.a. on OD amount Php 26.25 Php 200.00 USD 20.00 Php 50.00 per transfer Php 50.00 per transfer

Dollar Transactions - Dollar Cash Deposit in excess of USD 5,000 - Dollar Cash Withdrawal in excess of USD 5,000 - Deposited Returned Dollar Check
1

Php 0.10 per USD 1.00 Php 0.05 per USD 1.00 USD 20.00

The free withdrawal limit applies to ATM and over-the-counter withdrawals only. Other client initiated withdrawals like cellphone reloading, cashless shopping through EPS, etc. are not counted.
2

The free withdrawal limit applies to all client initiated withdrawals like ATM and over-the-counter withdrawals, cellphone reloading, cashless shopping through EPS, bills payments through Check-Free Payments, fund transfers, etc.

Auxiliary Services Amount of Fee / Charge Particulars BPI BPI Family Savings Bank Php 100.00

ATM Card Replacement Replacement of Lost Passbook - Peso Deposit Accounts - Dollar Deposit Accounts Bank Certification - Peso Deposit Accounts - Dollar Deposit Accounts Statement Request from Express Phone Statement Request from Bank Statement Unit - First three pages - For every succeeding page Request for Microfilm Reproduction of Bank Documents - First three pages - For every succeeding page Manager s Check Peso Checkbook - Personal - Commercial Peso Telegraphic Transfer - Fee - Plus DST - Subject to a minimum of Sale of Traveler s Checks - Fee - Subject to a minimum of - Plus DST, if to be paid in Pesos Purchase of Traveler s Checks - Fee per check - DST per check

Php 200.00 USD 15.00

Php 100.00 USD 2.00 free of charge

Php 100.00 Php 10.00

Php 100.00 Php 31.00 Php 50.00

Php 175.00 Php 350.00

of 1% of amount Php 0.30 for every Php 200.00 Php 100 plus Php 1.50 DST

0.5% of amount Php 50.00 Php 0.30 for every Php 200.00

Php 15.00 Php 1.50

Foreign Bills Purchase (per check, if without line) Outward Bills for Collection - Fee - Plus postage fee - Subject to a minimum of Safety Deposit Boxes Rental Fees Deposit for Keys 2 x 5 x 24 3 x 5 x 24 / 3 x 5.5 x 24 3.75 x 5.75 x 24 / 5 x 5 x 21 4.75 x 5.5 x 24/5 x 5 x 24/5 x 5.5 x 24/5.75 x 5.75 x 24 3 x 10 x 21 / 3 x 10 x 24 / 3 x 10.5 x 24 3 x 11 x 24 / 3 x 11.75 x 24 / 4 x 11.5 x 24 5 x 10 x 21 / 5 x 10 x 24 / 5 x 10.5 x 24 5 x 11 x 24 / 5 x 11.75 x 24 / 5.75 x 11.5 x 24 / 6 x 11 x 24 9 x 24 x 24 / 10 x 10 x 21/10 x 10 x 24 / 10 x 10.5 x 24 10 x 11 x 24/10.5 x 10.5 x 24/18 x 24 x 24/20 x 11 x 24 20 x 20 x 22.5 / 21.5 x 21.5 x 22.5

Php 100.00

of 1% of amount Php 6.50 Php 100.00 plus Php 6.50 postage

Php Php Php Php Php Php Php Php Php Php Php Php

1,000.00 600.00 800.00 1,000.00 1,200.00 1,600.00 1,600.00 2,000.00 2,000.00 4,000.00 4,000.00 5,000.00

PCHC Charges Amount of Fee / Charge Particulars

3

BPI

BPI Family Savings Bank

Temporary Overdraft - Fixed Fee

Honored (Funded)

Php 1,000.00 Php 200.00 for every Php 40,000.00 or a fraction thereof per day Returned (DAIF / DAUD)
4

- Additional Fee

Temporary Overdraft - Fixed Fee

Php 2,000.00 Php 200.00 for every Php 40,000.00 or a fraction thereof per day Funded Php 2,000.00 Unfunded
4

- Additional Fee

Stop Payment - Fixed Fee Stop Payment - Fixed Fee

Php 2,000.00 Php 200.00 for every Php 40,000.00 or a fraction thereof per day
5

- Additional Fee

Technicalities - Fixed Fee

3

Php 2,000.00 per item

If a check for Php 35,000 was presented for clearing on a Friday and was funded on Monday, total charge would be Php 1,600 (Php 1,000 fixed fee + Php 200 x 3days)
4

If a check for Php 35,000 was presented for clearing on a Friday and was eventually returned, total

charge would be Php 2,600 (Php 2,000 fixed fee + Php 200 x 3 days)
5

Checks that are post / stale dated, irregularly dated (i.e. February 30) &/or unsigned are not subject to the technicality fee.

Inward Remittance Charges FROM: Correspondent Bank/SWIFT Remittances * Payment Mode Service Charge Commission Php 150.00 Postage Documentary Stamps Php 0.30 for every Php 200 and a fraction thereof Cable Charges n/a

Credit to Account - Peso Account

Php 10.00

Credit to Account - Dollar Account

USD$ 6.50

n/a

none

n/a

Bank to Bank - Peso (BPI as intermediary bank) / Credit to Other Bank **

Php 150.00

n/a

Php 0.30 for every Php 200 and a fraction thereof

n/a

Bank to Bank - Dollar (BPI as intermediary bank) / Credit to Other Bank **

USD$ 10.00

n/a

n/a

n/a

Branch Pick-up - Peso Php 150.00 n/a

Php 0.30 for every Php 200 and a fraction thereof

Php 60

Branch Pick-up - Dollar

USD$ 6.50

n/a

n/a

n/a

*A service fee may be charged by each corresbank the transaction passes through. This is on top of the service fee charged by the bank where the telegraphic transfer originated from. ** A service fee may be charged by the receiving bank on top of the service fee charged by BPI as the intermediary bank. FROM: Direct Deposit / US PENSION Payment Mode Service Charge Commission USD$ 6.00* Postage Documentary Stamps n/a Cable Charges n/a

Direct Deposit - USD to USD

n/a

Direct Deposit - USD to Php

USD$ 6.00*

n/a

n/a

n/a

Direct Deposit - Non-accredited government agency

USD$ 6.50

n/a

n/a

n/a

* Effective June 1, 2010. FROM: Local Bank (PDDTS) Payment Mode Service Charge Commission Php 150.00 regardless of amount Postage Documentary Stamps Cable Charges

Local Incoming (Peso)

n/a

n/a

n/a

Local Incoming (Dollar)

$6.50(USD) regardless of amount

n/a

n/a

n/a

FROM: BERC and Tie Ups Payment Mode Remittances from BERC Service Charge/ Commission click here Charges vary depending on the contract agreement with each tie up Postage n/a Documentary Stamps n/a Cable Charges n/a

Remittances from Tie Up

n/a

n/a

n/a

Note: Fees may change without prior notice.

Member: PDIC. Maximum Deposit Insurance for Each Depositor P500,000

Angelica Keith R. Lestingyo IA10108

FEES AND CHARGES as of February 2010 PESO SAVINGS ACCOUNT ITEMS PERSONAL (1) CORPORATE (2) Below Minimum Balance Fee 220.00 550.00 Replacement Fee for lost ATM card 110.00 NA Replacement Fee for lost Passbook 110.00 110.00 Early Closure (w/in 30 Days) 220.00 220.00 Dormant Account Fee 220.00 220.00 Deposit Charge for inter-branch online deposit (inter-regional) 110.00 110.00 Interbank SA-ATM withdrawal Fee 10.00 NA Interbank Funds Transfer (IBFT) Fee* 27.50 NA Bank Statement (Snapshot) Request Fee 11.00 11.00 PESO CURRENT ACCOUNT ITEMS PERSONAL (3) CORPORATE (4) Below Minimum Balance Fee 330.00 550.00 Early Closure (w/in 30 Days) 220.00 220.00 Dormant Account Fee 220.00 220.00 Deposit Charge for inter-branch online deposit (inter-regional) 110.00 110.00 Interbank Funds Transfer (IBFT) Fee* 27.50 NA Bank Certification Fee (Current Account) 250.00 250.00 Bank Statement(Snapshot) Request Fee 11.00 11.00 Regular Chackbook Charge 165.00 330.00 Counter Check (per piece) 55.00 55.00 Stop Payment Order Application Fee for SPO 200.00 200.00 Returned FUNDED Checks (SC only) 2,000.00 2,000.00 Service charge for each returned check Returned UFUNDED Checks (SC + PC) 2,000.00 2,000.00 Service charge for each returned check Penalty Charge varies per check Temporary Over Draft Honored Checks (SC + PC)** 1,000.00 1,000.00 Service charge for each returned check Penalty Charge varies per check Returned Unhonored Checks (SC + PC)** 2,000.00 2,000.00 Service charge for each returned check Penalty Charge varies per check * BancNet Fee; ** SC-Service Charge; PC -Penalty Charge; PC= Php 200/check/Php40,000/day, *** on source CASA (1) SA ATM, SA Passbook, Dragon, Super Earner, SSS Pensioners, Mapua Student ATM, all SA with SWAT facilities (2) SA Passbook, Dragon, Super Earner, all SA with SWAT facilities (3) Reg CA, SVCA, CA with SWAT (4) Reg CA, SVCA, CA with SWAT

FCDU Savings Accounts ITEMS in US Dollar SA Below Minimum Balance Fee Replacement Fee for lost Passbook Early Closure w/in 30 Days Dormant Account Fee in Japanese Yen SA Below Minimum Balance Fee Replacement Fee for lost Passbook Early Closure w/in 30 Days Dormant Account Fee Other Services ITEMS Manager's Check Gift Check Traveler's Check Key Deposit Rates SDB Rental Fee CHARGE 55.00 55.00 1.12% commission 825.00 depending on size Y 1,000.00 Y 600.00 Y 650.00 Y 1,000.00 $ 10.00 $ 5.00 $ 5.50 $ 10.00 CHARGE

Domestic Remittances Domestic Outward - RTGS (PHP) Commission PHP 200.00 Bank Fee (PHILPASS FEE)* 0.0001 x total value Domestic Inward - RTGS (PHP) Commission PHP 100.00 Domestic Outward - PDDTS (USD) Commission US$ 11.00 Domestic Outward - PDDTS (USD) Bank Fee US$ 5.00 Domestic Inward - PDDTS Commission US$ 10.00 Domestic Inward - PDDTS Bank Fee US$ 5.00 Domestic Outward - ECPS (Peso) Commission US$ 45.00 Domestic Inward - ECPS (Peso) Commission US$ 90.00 Domestic Inward - ECPS (Peso) Bank Fee US$ 10.00 Domestic Outward - Dollar Netting Commission US$ 5.00 Domestic Inward - Dollar Netting Commission US$ 5.00 Foreign Inward Remittances Commission for US$ 8,000 and below US$ 5.00 Commission for US$ 8,001 and above 1/16 of 1% of the total amount of remittance Foreign Bank Fee US$ 5.00 Foreign Outward Remittances Commission US$ 11.00 Foreign Bank Fee US$ 5.00 Remit in Full (additional) US$ 25.00 Cable PHP 600.00 * PHILPASS fee varies in terms of amount