Notes

Good morning/afternoon, this is (name of agent) calling on behalf of BPI Express Credit. May I speak with Mr./Mrs./Ms. (name of CH)?

before I proceed I would like to advise you that we are on a recorded line. Is that okay?

Sir/Ma’am I am pleased to inform you that you are one of the
selected clients who qualified for our CREDIT TO CASH Special Rates
offer .This means that you may turn your available limit into cash for as low as 0.59% monthly add-on rate payable in 36 months.

We can instantly
process your application without requiring you to submit
an application form since we are on a recorded line

Based on our records you may avail of an amount up to (MAXIMUM LOANABLE AMOUNT). Please note that since this is not real time information the loanable amount that I mentioned to you may be lower or higher than your actual
available limit.


Let me give you a sample computation:
(Give sample computation based on the
term)
(After giving the sample computation)

Sir/Ma’am, we can already proceed with your application, I just need to confirm with you the details of your Credit-to-Cash availment.

(If the PCH agrees to apply)

Do you have a BPI personal savings, payroll or current account?

We will credit the proceeds of your loan to your BPI account.
Sir/Ma’am if you avail of (amount chosen by PCH) for (term) your monthly amortization will be PXXXXX. I will now process your application; I just need to ask you a few questions to make sure that we are talking to the right person.

PERFORM PID

Agent:
Sir/Ma’am this is to recap our transaction. You have availed of our
CREDIT TO CASH in the amount of (amount) with monthly rate of (X.XX%) for (term) months with effective interest rate of (X.XX%) per annum. This amount will be credited to your BPI (saving, payroll or current) account with account number (10 digit account number) and from (branch). The bank shall process
your application. Once approved, the amount shall be credited to your BPI account number (XXXXXXXXXXXX). Please expect funds to be credited in 5 banking days. Also, please expect posting of your 1stmonthly amortization in your next billing statement. Are all the transaction details correct?

Shall we now process your CREDIT TO CASH application in the amount of
(amount chosen by the PCH) for (term)?

Thank you. I will now inform you of the Terms and Conditions of yourCredit to Cash loan.
(After reading the T&C)

Do you agree with the Terms and Conditions?
(PCH should give a clearaffirmation in order for the loan to be processed)

Agent:
We will now process your CTC Application in the amount of xxxx for xx
months. For further information on the campaign, please visit
http://www.bpicards.com/Page/5884.
Thank you for availing of our Credit to Cash Mr/Ms (XXXXX). Have a nice