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Bank Accounts Savings Our Savings account products provide you utmost convenience in safe keeping, managing and

growing your funds. With our Savings products, saving and monitoring finances has never been so easy. For safekeeping and managing your funds, we offer: Express Teller Savings Jumpstart Savings

For growing your funds, you can open: Maxi-Saver Savings - New!

Get Started Savings Account with FREE Life Insurance Get to know our products more! BPI Advance Savings Account BPI Advance Savings account, an account that allows you to enjoy the interest of your deposit ahead of time. Click to know more BPI Easy Saver Easy Saver for a worry-free and easy savings. It has no maintaining balance with a minimal fee for withdrawal transactions that will encourage you to save more. Now, saving for your future is easy. Click to know more Express Teller Savings Juggling your day-to-day finances is wonderfully simplified with an Express Teller Savings account - - your key to 24-hour superior electronic banking convenience. Plus, your Express Teller account now comes with a partner savings account - - BPI Direct Save-Up that allows you to automatically save payday after payday. Click to know more Save-Up Automatic Savings Save automatically to get what you want. With Save-Up, it's easy to regularly set aside money from your ATM account to your Save-Up account every month.

CHOOSE FROM ANY OF THE TWO VARIANTS - Save-Up High with higher interest rates - Save-Up with free accident and life insurance* from BPI-Philam Life Insurance. Click to know more Jumpstart Savings If you are 10-17 years old and regularly receiving your allowance from your parents, Jumpstart Savings is perfect for you- with unique features especially designed to help you save with ease, and still have some fun! Click to know more Maxi-Saver Savings New! Saving has never been so rewarding. Now, you can EARN MORE as you SAVE MORE with MAXI-SAVER! On top of this, you get a 1% BONUS interest rate per annum if you do not withdraw within a month. Click to know more Get Started Savings Account with Life Insurance Protecting your family's future has become so much easier. Get Started is an interestearning savings account that comes with FREE BPI-Philam Life Insurance equivalent to 5x your account's balance, up to P2 million. No premium payments required. No medical check-ups needed. Click to know more Passbook Savings If you favor the recordkeeping ease of a passbook, then, Passbook Savings is the sensible way to safe keep your money. Earn interest on your funds and monitor your account transactions the simple way. Foreign Currency Savings Let your Dollars, Yen, Euros, Pounds and Francs grow with us. Whichever currency you choose, enjoy maximum convenience in monitoring your account. Click to know more View Deposit Balance Requirements and Rates
Get Started Savings Account with Life Insurance o ATM o Passbook BPI Save-Up Automatic Savings + Insurance Php 25,000 Php 25,000 Php 75,000 Php 75,000 none Php 1,000 Php 25,000 Php 75,000 0.625% 0.625% N.A. 0.50% 1.00% 0.500%

Php 5,000 Less than Php 5,000 5,000 - 399,999 400,000 and above

BPI Save-Up

none

Php 1,000 - Php 5,000 5,000 - 49,999

Automatic Savings

with three (3) months grace period to meet minimum monthly ADB requirement . Php 500 Php 200 Php 500 Php 1,000 0 Php 3,000 Php 2,000 Php 1,000 Php 5,000

50,000 - 299,999 300,000 - 499,999 500,000 and up

1.000% 1.500% 1.625%

With 20% withholding tax on interest.

Jumpstart Savings Easy Saver Express Teller Savings Passbook Savings

0.500% 0.500% 0.500%

Php 10,000 Php 10,000

Php 25,000

0.500% 1.875% 2.000% 2.125% 2.250%

BPI Advance Php 100,000 Php 100,000 Php 100,000 - 299,999 Savings 100,000 300,000 - 499,999 Account 500,000 - 999,999 with Passbook 1M and up

ADB refers to Average Daily Balance, which is defined as the sum of the daily end-of-day balances in the account for a month divided by the number of days in that month. The formula for computing ADB is as follows: ADB = (Day 1 ending balance + Day 2 ending balance + Day 30/31 ending balance) Number of days in the month (i.e. 30/31 days)
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Daily Balance is equivalent to end-of-day balance.

Interest earned shall be credited quarterly to your savings (except for Maxi-Saver where interest earned is credited monthly) and/or current account(s) provided that the account has not been closed prior to schedule of interest crediting.
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For Maxi-Saver Savings, if withdrawal exceeds 6 times within a month, the account will be subject to the rate that applies to the lowest interest-bearing tier. Any form of client initiated debit from the account is considered a withdrawal.

BPI GLOBE BANKO

About Us
BPI Globe BanKO Inc. (BanKO) is the first mobile-based, microfinance-focused savings bank in the Philippines. Established in July 2009 by BPI, Globe and Ayala Corporation, it aims to provide the low-income segment with secure and convenient access to affordable financial services by leveraging on its combined assets and infrastructure in banking and telecommunications. BanKO is pioneering the delivery of financial services through a network of partner outlets equipped with information and communication technologies of BPI and Globe. This branchless banking method of service delivery enables BanKO partner outlets to

perform cash-in/cash-out transactions and conduct customer identification (KYC) for savings and loan applications. With the support of six (6) regional branches and field coordinators deployed nationwide, this approach to channel development will be critical to bringing financial services to remote locations and ensure permeating reach and accessibility across the country. The bank also partners with microfinance institutions (MFIs), i.e. rural banks, NGOs and cooperatives, offering Wholesale Institutional Loans to fund MFIs on-lending to its clientbase, and Capability-Building Developmental Loans in the form of technical assistance and financial training for the MFIs and their clients. Over the past two years, BanKO has extended Php1.8B in loans to microfinance institutions, reaching over 340,000 microenterprises. BanKO's mission is to provide financial inclusion to the countrys unbanked and extend access to formal financial services. BanKOs combined expertise in banking and telecommunications delivers a powerful microfinance platform for sustainable social development. The vision is for BanKO to become the premier microbank in the country and a global leader in providing innovative services to the microfinance sector using partnership models and the latest mobile technologies.

PondoKO (Microsavings)
PondoKO is a personal savings account with no maintaining balance required so accountholders can save as little or as much as they can. Customers can open a PondoKO account for only P100 (P50 for ATM and P50 as initial cash deposit). Deposits reaching P2,000 average daily balance (ADB) earn 1% interest per annum plus free life insurance benefit five times the ADB (maximum of P200,000 coverage), or 3% interest per annum. Depositors get an ATM card so they can access their accounts on any ATM nationwide. Each ATM withdrawal will be charged a P20 service fee. PondoKO accounts are insured by PDIC up to P500,000 per depositor. Customers can apply for a BanKO account and cash-in/cash-out at any BanKO partner outlet nationwide.

PuhunanKO (Microloans)
PuhunanKO is a small-scale loan offered by BanKO to its accountholders. The maximum loanable amount is double the amount of the accountholders outstanding balance and ADB, from P5,000 up to P150,000, subject to credit/background investigation and approval. To qualify for a loan, customer must have a PondoKO savings account for at least three (3) months. Loans are payable in affordable, fixed weekly installments (from 1-12 months). Loans are subject to a 3% monthly interest rate, 3% processing fee and compulsory life insurance premium (based on the loan amount) charged upfront and deducted from loan amount disbursed.

PaniguroKO (Microinsurance)
PaniguroKO offers insurance protection against damage to property and accidental death.

P5,000 assistance in case of fire and lightning (to home or place of business) P2,500 assistance in case of flood, typhoon and earthquake (to home or place of business) Accidental death benefit of P50,000 for beneficiaries of insured party BanKO accountholders can subscribe to PaniguroKO coverage through their mobile phones. BPI Globe BanKO Head Office

4/F BanKO Center, Ortigas Avenue, North Greenhills, San Juan, Metro Manila 1500 Tel. No. (02) 754 9980

Email: info@banko.com.ph

Metro Manila Branch G/F BanKO Center, Ortigas Avenue, North Greenhills, San Juan, Metro Manila 1500 Tel. (02) 722 0901 Fax. (02) 722 8714