CURRENT ACCOU NT PENALTY FOR FALLING BELOW REQUIRED MINIMUM BALANCE SERVICE CHARGE ON EARLY CLOSING DORMANCY FEE

COST OF CHECK BOOK A. PERSONAL-50 PCS./BOOKLET B. COMMERCIAL -100 PCS. /BOOKLET SERVICE CHARGE /PENALTY ON DISHONORED/RETURNED CHECKS(RCOCI) A. SERVICE CHARGE

EXISTING FEEES AND CHARGES IN PBB

P 100.00 PER MONTH P 100.00 IF ACCOUNT IS CLOSED WITHIN 30 DAYS FROM OPENING DATE P 100.00 PER MONTH

P150 PER BOOKLET 350 PER BOOKLET

P 2,000.00 PER ITEM, DISTRIBUTED AS FOLLOWS: A.) P 1,000.00- PRESENTING BANK B.) P 1,000.00-DRAWEE BANK

B. PENALTY CHARGE FOR THE REASON INSUFFICIENCY OF FUNDS (DAIF) DRAWN AGAINST UNCOLLECTED DEPOSIT (DAUD) STOP PAYMENT ORDER (SPO) A. UPON APPLICATION FOR SPO B. UPON NEGOTIATION OF THE CHECK SERVICE CHARGE PENALTY CHARGE WITH FUNDS WITHOUT FUNDS C. UPON RETURN OF CHECK SERVICE CHARGE CERTIFICATES OF ACCOUNT BALANCE (APPLICABLE TO ALL TYPES OF DEPOSITS) REQUEST FOR PREVIOUS MONTH/S' BANK STATEMENT P 200.00 FOR EVERY P40,000 AMOUNT OF CHECK OR A FRACTION THEREOF

P 100.00

P 1,000.00 ( WITH OR WITHOUT FUNDS) NONE P 200.00 FOR EVERY P40,000 AMOUNT OF CHECK OR A FRACTION THEREOF

P 1,000.00 (WITH OR WITHOUR FUNDS)

P 100.00 P10. PER PAGE, MINIMUM OF P 100.00

SAVINGS ACCOUNTS WITHHOLDING TAX ON INTEREST EARNED 20% SERVICE CHARGE ON EARLY P 100.00 IF ACCOUNT IS CLOSED WITIN 30 CLOSING DAYS FROM OPENING DATE PENALTY FOR FALLING BELOW REQUIRED MINIMUM BALANCE A. REGULAR ACCOUNT B. CAMPUS SAVERS CLUB ACCOUNT C. PAYROLL ACCOUNT REPLACEMENT OF LOST PASSBOOK DORMANCY FEE TIME DEPOSIT A. WITHHOLDING TAX ON INTEREST EARNED B. PRE-TERMINATION PENALTY

P 100.00 NONE NONE AFFIDAVIT OF LOSS P 100.00 PER MONTH

20% 1ST HALF -25% OF THE OUTEE INTEREST RATE 2ND HALF -50% OF THE QOUTED INTEREST RATE

MANAGER'S CHECK SALE OF MC GIFT CHECK SALE OF GIFT CHECK DOLLAR SAVINGS TIME DEPOSIT DEPOSIT A. NOTES B. CHECKS D. INCOMING REMITTANCESFOREIGN ( COURSED THRU LOCAL BANK) E. WITHHOLDING TAX ON INTEREST EARNED WITHDRAWAL A. BY TT B. BY DD CANCELLATION/REPLACEMENT OF DD

P 25.00 P 25.00

NO CHARGE. HOLDING PERIOD OF 15 BANKING DAYS NO CHARGE. HOLDING PERIOD OF 30 BANKING DAYS

$2.00 7.50% CABLE -$20.00 OR P500.00 , WHICHEVER IS HIGHER. CABLE -$10.00 $ 5.00 P 200.00, WHICHEVER IS HIGHER

RETURNED CHECKS PENALTY FOR FALLING BELOW REQUIRED MINIMUM BALANCE DORMANCY FEE CLOSING FEE ON ACCOUNTS CLOSED WITHIN 30 DAYS FROM OPENING DATE REPLACEMENT OF LOST PASSBOOK CERTIFICATION OF DOLLAR ACCOUNT BALANCE PRE TERMNINATION PENALTY ON US $ TIME DEPOSIT A. IF MORE THAN 15 DAYS B. IF LESS THAN 15 DAYS

$10.00 PER RETURNED ITEM PLUS CORRESPONDENT BANK

$2.00 $5.00

$2.00 $2.00 OR P 50.00 WHICHEVER IS HIGHER. $2.OO OR P 50.00, WHICHEVER IS HIGHER

PREVAILING $ SA RATE. NO INTEREST NO INTEREST

CONCEPT PAPER FOR BANK FEES AND CHARGES

I. INTRODUCTION: As the Banking Industry grew throughout the years since 1751, banks now days are being faced wit traditional generation of interest income and instead focused in generating fee-based income to ad product or service has an unstable yield due to the competition. However, clients also maximizing t manage individual funds. Though, Philippine Business Bank has established fees and charges, a pro II.PROJECT OBJECTIVE AND PURPOSE 1 To generate more income for the bank. 2 Income to augment Automation Investment. 3 To be leveled with the pricing of competitors. SCOPE OF THE PROJECT

To amend existing fees and charges of the bank based on the survey conducted by Business Genera indicating the on chart and current fees and charges of the bank as indicated below:

SAVINGS
ITEMS Falling Below Maintaining Balance charges (Monthly) Replacement Fee for lost ATM card Replacement Fee for lost Passbook Early Closure (w/in 30 Days) Dormant Account Charges Deposit Charge for interbranch withdrawal/deposit Interbank Funds Transfer (IBFT) Charges PBB 100 RCBC 220(PERSONAL) 550 (CORPORATE) 110 110 330 220 110

100 50.00 and Affidavit of Loss 100 100.00/ month (inactive for 2yrs.) 100.00 per transaction N/A

27.5

Bank Certification Fee

100.00 per transaction

250

Bank Statement (Snapshot) Request Fee

10

11/page

PE ITEMS Falling Below Maintaining Balance charges (Monthly) Early Closure (w/in 30 Days) Dormant Account Charges Deposit Charge for interbranch withdrawal/deposit Interbank Funds Transfer (IBFT) Fee* Bank Certification Fee PBB 100 100 100.00/ month (inactive for 2yrs.) 100.00 per transaction RCBC
330.00(PERSONAL)/ 550.00 CORPORATE

330 220 110

N/A 100.00 per transaction

27.5

250

Bank Statement (Snapshot) Request Fee Checkbook Charge Application Fee for SPO Returned FUNDED Checks (SC only) Service charge for each returned check Returned UFUNDED Checks (SC + PC)

10
165.00 (PERSONAL)/ 350 (CORPORATE

11/page
165.00 (PERSONAL)/ 320 (CORPORATE

100 1,000.00 1,000.00 2,000.00

200 2,000.00

2,000.00

Honored Checks (SC + PC)** Returned Unhonored Checks (SC + PC)** 2,000.00

1,000.00 2,000.00

FCDU S PBB ITEMS RCBC

Below Minimum ADB Fee Replacement Fee for lost Passbook Early Closure w/in 30 Days

$ 2.00/month $ 2.00 and Affidavit of Loss $2.00 $ 5.00/month(inactive for 2 yrs.)

$10.00 $5.00 $5.50

Dormant Account Fee

$10.00

ITEMS Cash Drawing

PBB 22

RCBC 50

Using Oth ITEMS Balance Inquiry Cash Drawing PBB 2 12 RCBC 2 12

PBB ITEMS Manager's Check 25

RCBC 55

Gift Check Traveler's Check Key Deposit Rates SDB Rental Fee

25 N/A 1000 depending on size

55 1.12% commission 825 depending on size

ITEMS Domestic Outward - RTGS (PHP) Commission Domestic Outward - PDDTS (USD) Commission Domestic Outward - PDDTS (USD) Bank Fee Domestic Inward - PDDTS Commission Domestic Inward - PDDTS Bank Fee

PBB

RCBC PHP 200.00 US$ 11.00 US$ 5.00 US$ 10.00 US$ 5.00

Foreign Inward Remittances ITEMS Commission Foreign Bank Fee PBB P 100.00 RCBC US$ 5.00 US$ 5.00

Foreign Outward Remittances ITEMS PBB 1/4 of 1 % P 100,000. 1/8 of 1 % in excess of P 100,000 minimum o f P 50.00 US$ 15.00 RCBC

Commission Foreign Bank Fee Cable

US$ 11.00 US$ 5.00 PHP 600.00

PROPOSED FEES AND CHARGES AMENDMENT

BENEFITS 1 It will serve as a fixed income of the bank. PROJECT TIMELINE To be presented in BBG To be presented to the board A project timeline shall

1751, banks now days are being faced with new challenges to cope up with the existing stiff competition in th sed in generating fee-based income to address high costs of technology and system automation. ADB require tition. However, clients also maximizing their liquidity have the tendency to fully utilize their Cash in banks a k has established fees and charges, a proposal is being recommended to revise and increase particular fees a

the survey conducted by Business Generation and Product Development Center versus fees and charges of v e bank as indicated below:

SAVINGS ACCOUNT
BPI 500.00(maxi-one with passbook) 100 200 500 200 50 EAST WEST BANK 500 ALLIED BANK 200 PS BANK 300

110 110 500 500/month

50

150 150 w/ affidavit of loss

500(within 60 days) 300/month 100

200 450

50.00 per transaction

thru online

thru online

tru online

100

120

100 per 1st 3 pages AND 10.00 For every succeeding page.

PESO CURRENT ACCOUNT BPI 500 500 200 50 EAST WEST BANK 500 500 500/month 300/month 100 ALLIED BANK 200
PS BANK 300 200

450

50.00 per transaction

100 100 per 1st 3 pages AND 10.00 For every succeeding page. 175.00 (regular)/ 350 (commercial) 200 2,000.00

120

175.00 (regular)/ 350 (commercial) 100/APPLICATION 2,000.00

165 PERSO NAL) 150

2,000.00

2,000.00

1,000.00 2,000.00

BPI $5.00

FCDU Savings Accounts in US Dollar SA EAST WEST BANK ALLIED BANK $5.00

PS BANK

$5.00 $ 2.00/month

$15.00 $15.00 $5.00

110

$5.00 $5.00

$5.00

$2.00

ATM OVER-THE-COUNTER BPI

100

ALLIED BANK
NA

PS BANK
100

METROBANK
NA

Using Other BancNet Member Bank's ATMs BPI 1.5 15 EAST WEST BANK
1.5 15

ALLIED BANK
1 10

PS BANK
2 10

BPI 50

Other Services EAST WEST BANK PS BANK 50 50 METROBANK 50

15 1000 depending on size depending on size depending on size depending on size

Domestic Remittances BPI 150 US$ 10.00 US$ 6.50 150 n/a US$ 5.00 EAST WEST BANK

Foreign Inward Remittances METROBANK US$ 1.50 US$ 5.00 CHINA BANK US$ 8.00

Foreign Outward Remittances METROBANK CHINA BANK

1/4 of 1% (0.0025).mimimun 100 500 500

existing stiff competition in the industry. Majority of the financial institutions shift from the tem automation. ADB requirement being requested from clients back-and-forth for a y utilize their Cash in banks and instead settle for fee-based products and services to better and increase particular fees and charges so as to generate more income for the BANK.

versus fees and charges of various financial institutions. Please see template below

METROBANK
300

CHINA BANK BDO 200

300

UCPB
200

SECURITY BANK
200

150 100 w/ affidavit of Loss form 200 N/A 50

50 200 200 200 100

160 200 w/ affidavit of loss 200 N/A 50

160

150 250

210 200 100

200 350

50

25

thru online

50

thru online

200

250

20/page

10/page

11/page

50/page

METRO BANK 300 150 N/A 50

CHINA BANK BDO 200 50 200 100

300 160 N/A 50

UCPB
200 160 200 100

SECURITY BANK
200 150 350

thru online

200

250

20/page

10/page 175 (PERSONAL) 200

11/page 175 (PERSONAL) 200

50/page

100(PERSONAL)

165 PERSO NAL)

165 PERSONAL) 300

100

CHINA BANK $5.00

BDO

UCPB

SECURITY BANK $5.00

$5.00

$5.00

$5.00

$5.00

BDO
120

UCPB
25

SECURITY BANK

10

METROBANK
2 11

CHINA BANK BDO

1 10

UCPB
2 12

SECURITY BANK
1

2.25 11

CHINA BANK 50

BDO 50

UCPB 50

SECURITY BANK 50

depending on size

depending on size

depending on size

depending on size

PESO CURRENT ACCOUNT ITEMS Below Minimum ADB Fee Early Closure (w/in 30 Days) Dormant Account Fee

PBB RCBC 100 100 100.00/ month (inactive for 2yrs.) 100 330 220
330.00(PERSONAL)/ 550.00 CORPORATE

BPI 500 500 200

Deposit Charge for interbranch deposit (provincial transaction) Interbank Funds Transfer (IBFT) Fee* Bank Certification Fee (Current Account) Bank Statement (Snapshot) Request Fee

N/A 100.00 per transaction

110 27.5

50.00 per transaction 100

250 10 11

100 per 1st 3 pages AND 10.00 For every succeeding page. 175.00 (regular)/ 350 (commercial)

Checkbook Charge Counter Check (per piece) Check Retrieval - Regular (7 days) Check Retrieval - Special (3 days) Stop Payment Order

165.00 (PERSONAL)/ 350 (CORPORATE

165.00 (PERSONAL)/ 320 (CORPORATE

N/A N/A N/A 100

55 100 600 200 200

Application Fee for SPO Returned FUNDED Checks (SC only) Service charge for each returned check Returned UFUNDED Checks (SC + PC) Service charge for each returned check Temporary Over Draft

1,000.00 1,000.00 2,000.00

2,000.00

2,000.00

2,000.00

2,000.00

1,000.00

Honored Checks (SC + PC)** Service charge for each returned check Penalty Charge Returned Unhonored Checks (SC + PC)**

1,000.00 1,000.00

2,000.00

varies per check 2,000.00

EAST WEST BANK 500 500 500

ALLIED BANK 200

PS BANK 300 200 450

METRO BANK

CHINA BANK

BDO

UCPB

100

120

20/page

10/page

11/page

175.00 (regular)/ 350 (commercial)

165
PERSO NAL)

100(PERSONAL 165 PERSO NAL) )

175 (PERSONAL 175 ) (PERSONAL)

100/APPLICATION
150

100
200 200

2,000.00

2,000.00

SECURITY BANK

50/page

165 PERSONAL)

300