LEC CREDIT PARAMETERS

TABLE OF CONTENTS
I. INDIVIDUAL APPLICATIONS 1. 2. 3. General Requirements Required Documents Proof of Identification POID validation 1. Proof of Billing POB validation 1. Proof of Income POI requirements 1. Important Reminders 2. UPSELL and Cross Sell application 3. Additional Notes on Credit Policy 4. Suntel Suntel 350 with free handset Suntel 499 Business Center Approval CORPORATE APPLICATIONS 1. 2. III. Requirements Proof of Income

II.

APPROVAL MATRIX

INDIVIDUAL / RESIDENTIAL APPLICATIONS

GENERAL REQUIREMENTS
What are the requirements needed when applying for a Digitel service? 1. Applicant must be at least 18 years old. 2. Completely filled-out and signed application form/s (with Account No. and OR No. (representing payment of OTC and deposit) With Account no., and OR no. pertaining to PADS 3. Completely filled-out and signed test & site survey form/s or waiver form/s (for DSL/Voice Services/Sun Tel) or List of areas with available facilities to be provided by ANU (not applicable to Sun Tel) 4. Landline/Cellphone numbers (residence, business, supplemental numbers) 5. Billing Address/Sketch (perforated portion in the ADS) 6. Valid Requirements (POID and/or POB/POI) 7. All erasures on the ADS must be countersigned by applicant

REQUIRED DOCUMENTS
Can I just submit a POID only?

If youre applying for Voice only and DSL, you only need to submit a primary ID or 2 secondary IDs. To have the NDD/IDD feature activated, a POB document is also required. However for multiple lines application, submission of POI is required.

PROOF OF IDENTIFICATION
Which IDs are considered PRIMARY?

PRIMARY IDS-Any one of the following: 1. Passport

2. 3. 4. 5. 6. 7. 8. 9.

(Considered as primary ID when its the old passport but not expired, considered as secondary if new passport; new passport has no signature) Phil. Drivers License (Card Type Only) Locally Issued Major Credit Card with picture SSS / GSIS / TIN ID / Unified ID (Card Type Only) PRC / IBP ID (Card Type Only) Laminated Company ID (Top 5000 Corp) Permit To Carry Firearm ID (Card Type Only) Exclusive Membership Card with Picture New Voters ID

10. ACR / Permit to Stay for foreigners

PROOF OF IDENTIFICATION
If none of my IDs are considered primary, which IDs are accepted as SECONDARY?

SECONDARY IDS-Any two of the following:

1. Company ID (not belonging to Top 5k Companies) 2. Credit Card without picture/ATM Card 3. POEA-OCW Dependents Card /Veterans ID 4. GSIS / SSS / TIN computer printout 5. Temporary Drivers License with LTO License Official Receipt 6. NBI or Police Clearance / Postal ID / OLD Voters ID 7. Government employee ID 8. Validated School ID (Graduate/College), If applicant is a student 9. Membership Card (non exclusive Clubs) / Health Insurance 10. Senior Citizen ID 11. Firearm License ID (Card Type Only) NOTE: One ID must have picture but both IDs should have signature

POID Validation Guidelines

What do I need to do in the following scenarios?

If the name of subscriber in POID differs from the name in the application form (alias, nickname, no second name, Jr. , III, etc.) Secure another ID or notarized affidavit of discrepancy In cases where HR is not the only authorized signatory of ID ID is acceptable as long as with call-out validation. If name used in application form is married name, while ID submitted shows maiden name Secure another ID under married name or a copy of marriage contract

POID Validation Guidelines

What ACMD procedures are followed when:
ID Only is submitted, with PEF allowed Conduct call out to subs to confirm subscription and to a 3rd party to validate continuing capacity to pay. This applies to the ff products: a. Regular Wired Landline b. DSL Plus/ Easy DSL c. Regular Business DSL d. Supple 249 e. Easy Suntel 350 SIM Only frontline approval only, AO will just check for outstanding balance prior S/O; no AO call-out required ID Only is submitted, no PEF allowed (meaning, ACMD approval only) Conduct call out to subs to confirm subscription and to a 3rd party to validate continuing capacity to pay. This applies to the ff products: a. Triple Unlimited Plans b. 3-in-1 Business DSL/ Bus DSL with FEX/ Bus DSL with WiFi Hotspot c. Voice Bundle (Talk Unlimited) d. Other offers with Free Phones ID, POB/POI* are submitted Conduct call out to subs to confirm subscription and to a 3rd party to validate continuing capacity to pay. POI/POB requirement cannot be covered by a PEF signed by the BDM. This applies to the ff products: a. Phonetastic/ Suntel 350 b. Suntel 499 (with Free Phone) c. SBW

PROOF OF BILLING
Which documents can be submitted as Proof of Billing?

1. Utility Bills Electricity Water Telephone Cable / Internet 2. Credit Card SOA 3. Insurance Premium SOA 4. Exclusive Club Membership Bill 5. Bank Statement 6. Competitors SOA

POB Validation Guidelines

Do I also need to present a proof of payment if I will submit a SOA as proof of billing? Require proof of payment if (ONLY for SOA under applicants or immediate familys name) account is more than 60 days SOA has a notice of disconnection/suspension/cancellation / redirection or advises of additional charges such as collection fees SOA indicates Pay Immediately and O/S bal > 90% of the credit limit Can I just submit the first page of last months SOA? As a general rule, ALL pages of the LATEST SOA should be presented. It should not be more than 45 days old at the time of application based on Statement date What additional documents do I have to submit if I will submit POB under my company? Require Business Permit to establish affiliation if POB presented is under subs business / company Note: If applying under business name and no business permit presented, can be accepted but will be treated as individual account or under the name of the owner

POB Validation Guidelines

What are the needed additional requirements if I submit a SOA under the name of an immediate family member?

Secure Certificate and ID

Sibling: Birth/ Baptismal Certificate of both siblings Parent: Birth Certificate Spouse: Marriage Contract

OR 2 IDs bearing the same address, submission of 1 valid ID is not allowed.

What are the needed additional requirements if I submit a SOA under a landlords/TP (Third Party) name: (renting / leasing)?

Secure certificate / letter and ID of lessor and contact number

Stating subs is a resident of subject address & Lessor authorizes use of his address as the billing address Contract of lease, preferred but NOT mandatory

OR

PROOF OF INCOME
Which documents can be submitted as Proof of Income?
1. ITR BIR Form 2316 w/ original payslips for 2 latest half-month pay periods 2. Original Certificate of Employment w/ original payslips for 2 latest halfmonth pay periods 3. Locally issued credit card statements 4. Electric, water, cable bill 5. Phone bill (landline and mobile) 6. Existing LEC/GSM 7. Bank statement, certification or passbook 8. Monthly Budget Allocation/ Certificate of Fund Availability (for government applications)

POI REQUIREMENTS SUNTEL

What is the minimum income required in applying for Suntel plans? What is the minimum usage required for a POB/POI to be accepted? Is there a minimum requirement of credit limit if I will submit SOA as proof of billing?

Note: 1. For ACMD / ASH approval only 2. POB/POI/POID required

*SunTel 249: First line only requires a postpaid line that is current and in good credit standing. *Easy 350/350 LIte: POI is not required, even for multiple line application, but may be subjected to ACMD approval. *SunTel & SunTel GO: POI may be cumulative (e.g. utility bill + electric bill).

POI REQUIREMENTS SUNTEL

updated as of Nov 2011

POI REQUIREMENTS Triple Unlimited

What is the minimum income required in applying for Triple Unlimited?

Plan

Note:

For ACMD / ASH approval only 1st line under ID-only policy; succeeding lines will require POI POB required if with NDD/IDD access

POI REQUIREMENTS Power Bundles

What is the minimum income required in applying for Bundled DSL? What is the minimum usage required for a POB to be accepted? Is there a minimum requirement of credit limit if I will submit SOA as proof of billing?

Note:

PEF of BDH/BCM may be applied for non-POI concerns; ACMD approval only if with free handsets / wifi / modems / printers 1st line under ID-only policy; succeeding lines will require POI

POI REQUIREMENTS Pure DSL

What is the minimum income required in applying for Pure DSL? What is the minimum usage required for a POB to be accepted? Is there a minimum requirement of credit limit if I will submit SOA as proof of billing?

Note:

PEF of BDH/BCM may be applied for non-POI concerns; ACMD approval only if with free handsets / wifi / modems / printers 1st line under ID-only policy; succeeding lines will require POI

POI REQUIREMENTS DSL w/ FEX

Note:

FEXLINE for ACMD approval only

POI REQUIREMENTS Triple Unli w/ FEX

Note:

FEXLINE for ACMD approval only

POI REQUIREMENTS DSL Plus BIZWATCH

Note:

BIZWATCH for ACMD/ASH/SMAA approval only

POI REQUIREMENTS WIRED LANDLINE

What is the minimum income required in applying for WIRED LANDLINE What is the minimum usage required for a POB to be accepted? Is there a minimum requirement of credit limit if I will submit SOA as proof of billing?

Note:

FEXLINE for ACMD approval only

LOWERED POI GUIDELINES

1. Reduced POI should only apply to single applicants, preferably with permanent residence or not renting/boarding. 2. Reduced POI may be applied to married applicants provided both spouses are working. Each spouse should be earning the minimum salary required for the applied line 3. If spouse has own business, income from business should be at least the min. income required and validated 4. Must be residing or working in the same province. 5. With 80% net take home pay 6. If working in NCR and residing in the province or vice-versa, income requirement will be whichever is higher. 7. Lowered income parameters may be used to avail (1) one Plan only; if applying for multiple lines, regular income and incremental matrix will be pplied 8. Existing line availed under the Lowered Income should not be used by Frontliners in any BC-Level approved parameters 9. ACMD APPROVAL IS STILL REQUIRED FOR PLAN WITH FREE HANDSETS

LOWERED POI GUIDELINES

LOWERED POI GUIDELINES

M y u y nCt e ca a a i y

C avite A S R E A Tanza,C L ED OR I W N E

Easy DSL requirement

APPLICATION ISSUES CROSS-SELL SUBSCRIBER a. Delinquent landline subscribers not due to QoS issues EASY REQUIREMENTS Present valid ID Pay the outstanding balance in full Renew contract for 12mos. Pay the difference of new and old MSF

NEW SUBSCRIBER a. b. Cannot establish capacity to pay Unsuccessful validation call-out (cannot be reached; person not available)

Present valid ID Pay OTC: P500 for regular plans P500 for Triple Unli Pay 2 months deposit

Additional Guidelines: 1.
DSL applications by a company, under a company name and without CSC are accepted as long as it is EASY DSL signed by the admin manager / admin officer / admin supervisor / admin head or owner/president. NO CSC is required

2. DSL applications under an INDIVIDUAL INSTALLED IN A COMPANY are acceptable as long as its is Easy DSL signed by the admin manager / admin officer/ admin supervisor / admin head or owner/president. NO CSC is required & NO BUSINESSDOCUMENTS are required because application is under INDIVIDUAL. (Source:Addendum to BC Advisory 0210_023 sent April 26, 2011)

Easy Triple Unlimited

TARGET MARKET: 1. Applicants with no POB and/or POI 2. Applicants who are not willing to provide income documents 3. Applicants who cannot provide other reference contact numbers APPLICATION REQUIREMENTS: A. NEW SUBSCRIBERS 1. Applicant must submit one (1) valid primary ID or two (2) valid secondary IDs. 2. Applicant must paytheone-time charge of P500and deposit equivalent to two months MRC. 3. Activation Officer will only conduct one post-sale call-out. 4. POB will only be required for NDD/IDD access. B. CROSS-SELL (Delinquent not due to QoS) Delinquent landline subscribers must: a. pay at least 50%of outstanding balance b. sign a promissory note to pay remaining balance in three months c. renew contract for 12 months 2. Outstanding balance must be fully paid to request for NDD/IDD access.

MECHANICS:
Subscribers under EASY TRIPLE UNLI are not qualified to avail of the new phones. Subscribers get a free LG GS 108 or Nokia 1616. Subscribers with bandwidth of 1.0 Mbps and higher can avail of the Wi-Fi modem router for P1,050 (outright payment). Lock-in period is 12 months.

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Important Reminders
ID-ONLY POLICY IS APPLICABLE FOR SINGLE LINE ONLY. Local access only. Activation of CMTS/NDD & IDD requires submission of POB. For Multiple lines (two or more lines), processing and policy for regular plans shall be applied. ID-ONLY POLICY DOES NOT INCLUDE CORPORATE, GOVERNMENT, BUSINESS AND MULTIPLE LINE APPLICATIONS. These applications shall require submission of corporate/government/business documents and will follow regular policy and processing. POI documents is required for Multiple Line Applications Sales is allowed to endorse these applications as SATS ADS must be completely filled up and signed by the applicant. Photocopied ADS shall not be accepted by AOs. Items not included in the credit policy shall require deviation approval. Please see deviation matrix.

UPSELL and CROSS SELL APPLICATION REMINDER

As a general rule, ADS must be signed by the subscriber with 1 valid POID

What are the needed requirements for UPSELL application thru representative?
the ADS is completely filled-out and signed by the subscriber The representative has to present authorization letter signed by the subscriber 1 valid ID of the subscriber and 1 ID of the representative In the case that the account holder is working abroad and application is signed by the spouse; signed authorization letter from the subscriber, similar to a SPECIAL POWER OF ATTORNEY is required Existing account/s must be CURRENT on the time of UPSELL

What do I have to submit if I already have an existing Digitel line under the name of a parent or the spouse working abroad, but no authorization secured from the owner of the line and will be used for up sell to BIDA?
The applicant is required to submit birth or marriage certificate to establish the relationship. The applicant should be of legal age, capacity to pay should be verified by AO thru call out. Call-out is still required to validate the application for UPSELL and Cross Sell Upgrade and upsell of ADSL, all plans, should be included in the Daily Status Reports of the AO.

Revised Parameters for Cross Sell

Should be current at the time of cross sell application Should have no record of delinquency or FP in the last 6 months Waived deposit Applicable only for DSL cross sell program. CLARIFICATION to Cross Sell: Existing account for Cross Sell should be at least 6 months on books.
If less than 6 months, for deviation approval of CMD

If account for Cross Sell has FP history within the last 6 months, will no longer require payment of 2 months deposit, for as long as the account is current at the time of application. Waived OTC and deposit for postpaid landline
Approved by Ms. Arlene on Feb 17, 2010

CLARIFICATION to Upsell:
Upgrade in bandwidth or plan resulting to an increase in MRC, incremental deposit is also waived, for as long as the account is current at the time of application and at least 6 months on books.
Approved by Ms. Arlene on Feb. 24, 2010

Advised thru email on Feb 26, 2010

Additional Notes on Credit Policy:

What are the requirements if I already have an existing Digitel Prepaid Account and I want to apply for postpaid service? If single line, require to submit POID and/or POB(if with IDD/NDD) If multiple lines, require to submit POID, POB and POI Pay MSF only; OTC is not required

What are the requirements for foreign applicants? (e.g. Koreans , Chinese, Americans, etc.) ACR is mandatory, maybe replaced by Permit to Stay. In the absence of the 2 documents, required to settle 4 months deposit

If I reside in a blacklisted area, can I still apply? - For applicants located in the confirmed blacklisted area, application must be approved by CMD Head, after consultation with LEC Fraud Risk Management.

What do I have to submit if I already have an existing Digitel line under the name of a parent or the spouse working abroad, but no authorization secured from the owner of the line and will be used for up sell to DSL? The applicant should be of legal age, capacity to pay should be verified by AO thru call out. The applicant is required to submit birth or marriage certificate to establish the relationship.

Additional Notes on Credit Policy:

What is the policy in handling 31-60 DPDs of existing LEC accounts?

No Payment Required if:

Account is at least 1 year on books No history of FP,TD,DC and RC from Delinquency within the last 6 months

BUSINESS CENTER APPROVAL

What are the requirements when applying for Suntel 249 in the business centers?
BC Level approval allowed 1. Current at time of application 2. AMSF 1. Required to submit: AD 2. Proof of ID For AMSF to be waived, subscriber must be: 1. 6 months on books 2. No record of delinquency or FP in the last 6 months LEC BC front liners to do validation for walk in applicants of the following: Suntel 249 supple Easy Suntel 350 line only Easy DSL For 350, SunTel 350 Line-only (with NDD/IDD) or Easy SunTel 350 (purely local calls only) are also subject to BC approval only

BUSINESS CENTER APPROVAL

Can BC approve upgrade of MRC and Bandwidth?

Frontline may approve upsell to DSL Plan 888 (512 Kbps), DSL Plan 999 (768 Kbps), DSL Plan 1199 (1 Mbps) and Plan 1799 (2Mbps) if: Account is at least 6 mob Current (0 to 30) at the time of upsell Not FP/TD/DC and Reconnection from TD/DC in the last 6 months Maximum upsell up to 2 lines only

CORPORATE APPLICATIONS

What documents are required for companies who wish to apply?

CORPORATE REQUIREMENTS

PROOF OF INCOME (Corporate)

What are the guidelines for corporations when submitting POI documents?

Latest Income Tax Return (ITR) with Audited Financial Statement is mandatory for Non-Top 5000 corporations *With BIR Stamp if there was no Income Tax Due, OR *Official Receipt to show proof of payment of Income Tax

3 months Bank Certification or Statement with ADB is considered as secondary/additional POI only * Account should be at least 6 months old at the time of application * Certificate or statement must be updated at the time of application

APPROVAL MATIX

DEVIATION APPROVAL MATRIX

DEVIA

A. SINGLE-LINE SUBSC

DEVIATION APPROVAL MATRIX

C M LTIPLE LIN SU SC IPT . U ES B R 3. D ocum entary R equirem ents 3.1 W aiver of subm ission of Proof 3.2 W aiver of subm ission of Valid 3.3 W aiver of subm ission of Proof Proof of ID (P 3.4 Expired ID (no other valid ID s)

DEVIATION APPROVAL MATRIX

M ltip L e F XL e A p a u le in , E in p lic tio 3 2 F r m ltip lin a p tio , 4 o .2 o u le e p lica n r n wa d e e n xistin a u ts, re a le g cco n g rd s th e e xistin a u ts, w re u v li g cco n ill q ire a Mn g mn a a e e t. 3 3 A F Xlin a p tio s, n wa .2 ll E e p lica n e n a u ts, re a le o th a in o t cco n g rd ss f e g g f

DEVIATION APPROVAL MATRIX

Existing Approval Limit Individual No. of Lines Business (Non- D1) No. of Lines Individual Proposed Business (Non- D1)

No. of Lines Credit Limit No. of Lines Credit Limit

AO Activation Team Leader

2 3

2 3

2 3

6,000 10,000

2 3

6,000 10,000

Activation Manager

15,000

15,000

Activation Head

30,000

30,000

CMD Head

75,000

100,000

ACMD Head

4 and above

100,000

120,000

EWRMG Head

4 and above

10 & above

100,001 & above

10 & above

120,001 & above

NEW BANDWIDTH APPROVAL MATRIX

- Applicable for consumer and business ADSL. - Multiple line approval matrix will still apply.

APPROVAL ON DEVIATIONS FOR LEC

If the >61 dpd balance exceeds Php 100,000, approval on deviation on A/R Delinquency:

For Residential, Business or Government applications, regardless of the no. of lines: Endorsed by: EWRMG Head Approved by: LEC BU Head

Approved and implemented on January 17, 2008, copy of memo provided to all concerned

How to Accomplish Application for Digitel Service Form

Sales Reason Code: ex. 320 for Triple Unlimited

Signature of applicant or authorized signatory for business/ government service application

Applicants Personal Details To be filled out by applicant under Residential/ Individual. Details for Business and Government applications should NOT be written here.

Employment/ Business Information (1)

[for residential application]

Employment/ business and personal reference details of the person (individual / residential application) applying for the service

[for business/govt application To be filled out by applicant under Business/ Government: Fields to be accomplished should be Business Name up to Telephone Number ONLY. ***Other details not to be filled out

Employment/ Business Information (2)

Applicants Reference & Spouse Details/ Billing Address For Residential/ Individual applying for Digitel service: Personal reference (2), Spouse details of the person applying for the service Billing Address:

filled out for ALL (res, bus, govt) types of service application

to be

Business Verification Details (for Bus & Govt)

To be filled out by Business/ Government: Employment/ business details of the business/ government agency/unit applying for the service, including details of authorized signatories

END OF PRESENTATION