American Express Card Activation

About American Express and BDO Unibank, Inc.

ABOUT THE COMPANY
BDO Unibank Inc. (BDO) is now among the market leaders in its core business lines following its merger with Equitable PCI Bank (EPCI) in May 2007. The Bank offers a complete array of products and services, i.e. Retail Banking, Lending (Corporate, Commercial, Consumer, and SME), Treasury, Trust, Credit Cards, Corporate Cash Management and Remittances. Through its subsidiaries, the bank offers Leasing and Financing, Investment Banking, Private Banking, Bancassurance, Insurance Brokerage and Stock Brokerage services. It has one of the largest branch networks, with over 700 branches and more than 1,200 ATMs nationwide.

The Bank has reaped numerous awards from prestigious domestic and international institutions and publications. These awards validate BDO's pursuit of excellence and commitment to all markets it serves.

When BDO took over EPCI, it assumed the operation and issuance of The EPCI American Express Credit Card and The EPCI American Express Gold Credit Card. By December 2007, BDO also became the Issuer of all American Express Cards in the Philippines issued out by American Express International, Inc. (AEII) and American Express Savings Bank (A Savings Bank), Inc. (AESBI). Since then, BDO has continued to enhance these products and develop new ones to satisfy customer requirements.

Charge Cards:
- The American Express Card and The American Express Gold Card
- The American Express Corporate Card and the American Express Gold Corporate Card
- The Platinum Card

Credit Cards:
- Blue from American Express
- The American Express Credit Card and The American Express Gold Credit Card
- The American Express Platinum Credit Card
- BDO Dual Gold American Express Card
- The Cathay Pacific American Express Credit Card and The Cathay Pacific American Express Elite Credit Card

With a sizeable Cardmember base and a network of affiliated merchants that span the whole country, BDO represents a substantial share of the credit card market in the Philippines, providing its customers with a wide selection of benefits and advantages.

ABOUT AMERICAN EXPRESS
American Express is a global services company, providing customers with access to products, insights and experiences that enrich lives and build business success. Learn more at americanexpress.com.

Since 1996, American Express has been pursuing a strategy of opening its merchant network and card product portfolio to third party issuers around the world. By leveraging its global infrastructure and the powerful appeal of the brand, American Express has gained even broader reach for its network worldwide. American Express has now established 148 partnerships in 160 markets across the world.

Trademarks

The following are registered United States trademarks and service marks of American Express Company, its subsidiaries and affiliates which may appear in American Express Web sites:
- AMERICAN EXPRESS
- AMERICAN EXPRESS Box Logo
- AMERICAN EXPRESS Card Design
- AMERICAN EXPRESS CORPORATE Card Design
- AMERICAN EXPRESS CORPORATE EXECUTIVE Card Design
- AMERICAN EXPRESS CORPORATE PURCHASING Card Design
- AMERICAN EXPRESS GOVERNMENT Card Design
- AMERICAN EXPRESS SENIOR Card Design
- AMERICAN EXPRESS Travelers Cheque Design
- AMERICAN EXPRESS Travelers Cheque for Two Design
- AMERICAN EXPRESS WORLD SERVICE & Design
- AMEX
- CORPORATELINK
- DATAMEX
- do more
- DO YOU KNOW ME?
- DON'T LEAVE HOME WITHOUT IT
- DON'T LEAVE HOME WITHOUT THEM
- DON'T LEAVE HOME WITHOUT US
- EMPRESS
- EXPRESSNET
- FOOD & WINE
- Gladiator Head
- GLOBAL ASSIST HOTLINE
- Gold Card Design
- IDS
- MEMBERSHIP REWARDS
- OPTIMA
- OPTIMA Card Design
- OPTIMA TRUE GRACE
- OPTIMA TRUE GRACE Card Design
- PHONE FUNDS
- PLATINUM CARD
- PLATINUM Card Design
- PRIVILEGED ASSETS
- SIGN & TRAVEL
- SKY GUIDE
- SMARTDATA
- SMARTPARTNERS
- SMARTSOURCE
- SMARTSTART
- TRAVEL & LEISURE
- TRAVEL IMPRESSIONS
- TRUE GRACE
- TRUE GRACE Card Design
- Wall Street Wise. Main Street Smart.
- YOUR COMPANY

The following are United States trademarks and service marks of American Express Company, its subsidiaries and affiliates which may appear in American Express Web sites:
- CENTURION
- CHEQUES FOR TWO
- DON'T LEAVE HOME PAGES WITHOUT IT
- MEMBERSHIP B@NKING
- REWARDS MANAGER

The following are registered Philippines trademarks and service marks of American Express Company, its subsidiaries and affiliates which may appear in American Express Web sites:
- A/E
- A/E CORPORATE CARD DESIGN
- A/E CRD DES
- A/E MEMBERSHIP MILES & DES
- A/E MEMBERSHIP MILES & DESIGN
- A/E WRLD SVC & SCROLL DES
- AMERICAN EXPRESS
- AMERICAN EXPRESS BOX LOGO
- AMERICAN EXPRESS CARD DESIGN
- AMERICAN EXPRESS CORPORATE CARD DESIGN
- AMERICAN EXPRESS EXPRESS PAC
- AMERICAN EXPRESS IN BOX LOGO
- AMERICAN EXPRESS OPTIMA CARD DESIGN
- AMERICAN EXPRESS WORLD SERVICE & DESIGN
- AMERICAN EXPRESS WORLD SERVICE LOGO
- AMEX
- AMEXBANK
- APPLAUSE
- APPLAUSE (CHINESE LETTERING)
- DEPARTURES
- EXPRESSION
- GLAD HEAD
- GLADIATOR HEAD
- MEMBERSHIP MILES
- OPTIMA
- OPTIMA/CHINESE
- REVOLVING CREDIT CARD DESIGN
- THE PLATINUM CARD
- TRAVELER'S CHEQUE DESIGN
- TRUE GRACE
- WORLDFOLIO

The following are Philippines trademarks and service marks of American Express Company and its affiliates which may appear in the text of this Web site:
- A/E PLATINUM CARD
- A/E PLATINUM CARD/CHINESE
- AMERICAN EXPRESS (IN CHINESE CHARACTERS)
- CENTURION
- EXPRESS PLUS
- MEMBERSHIP REWARDS
- PLATINUM CARD
- THE PLATINUM CARD (IN CHINESE)

Web Site Rules & Regulations

AMERICAN EXPRESS� PARTICIPANTS WEB SITE RULES AND REGULATIONS
BDO Unibank, Inc. (BDO), Rules, Regulations and Disclaimers for American Express Internet World Wide Web Sites, American Express Company, its subsidiaries and affiliates ("American Express") require that all the visitors to site(s) on the World Wide Web that mention(s) American Express-branded products and service (the "Site") adhere to the following rules and regulations. By accessing the Site, you signify your acknowledgment and acceptance of these terms and conditions.

1. SITE OWNERSHIP
The Site is owned and controlled by BDO. American Express Company and its subsidiaries and affiliates ("American Express") have no responsibility or liability for the Site.

2. LAWS AND REGULATIONS
User access to and use of the Site is subject to all applicable federal, state and local laws and regulations.

3. COPYRIGHT/TRADEMARKS
The trademarks, logos and service marks ("Marks") displayed on the Site are the property of BDO, American Express and other parties. Users are prohibited from using any Marks without the written permission of BDO, American Express or such third party that may own the Marks. All content on the Site is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on the Site for commercial or public purposes.

4. NO WARRANTIES
ALL INFORMATION ON THE SITE IS PROVIDED TO YOU �AS IS� WITHOUT WARRANTY OF ANY KIND EITHER EXPRESSED OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY. BDO and American Express do not endorse and are not responsible for the accuracy or reliability of any opinion, advice or statement made through the Site by any party other than statements they make themselves. Under no circumstance will American Express be liable for any loss or damage caused by a user's reliance on information obtained through the Site. It is the responsibility of the user to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Site. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content.

5. LIMITATION OF LIABILITY
BDO and American Express specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with access to or use of the Site, (even if BDO or American Express have been advised of the possibility of such damages) including liability associated with any viruses which may infect a user's computer equipment.

6. CONFIDENTIALITY OF USER COMMUNICATIONS
Except as required by law, BDO will maintain the confidentiality of all user communications which contain personal user information and which are transmitted directly to BDO. Postings by a user on any message board or in any chat room will not be protected as confidential and BDO may use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to any of its parent company, subsidiaries and affiliates or to American Express for any purpose whatsoever and as deemed appropriate by BDO, subject to applicable law.

7. LINKED INTERNET SITES
BDO and American Express are not responsible for the content available on any other Internet sites linked to the Site. Access to any other Internet sites linked to the Site is at the user's own risk.

8. POSTINGS
BDO and American Express are under no obligation to review any messages, information or content (�Postings�) posted on the Site by users and assume no responsibility or liability relating to any such Postings. Notwithstanding the above, BDO may from time to time monitor the Postings on the Site and may decline to accept and/or remove any Postings that contain:

a. Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law.
b. Advertisements or solicitations of any kind. [Note: This is not applicable for those Sites with message boards containing classified advertisements.]
c. Messages posted by users impersonating others.
d. Personal information such as messages which state phone numbers, social security numbers, account numbers, addresses, or employer references.
e. Messages by non-spokesperson employees of BDO or American Express purporting to speak on behalf of BDO or American Express.
f. Messages that offer unauthorized downloads of any copyrighted or private information.
g. Multiple messages placed within individual folders by the same user restating the same point. h. Chain letters of any kind.

9. TRANSMISSION OF PERSONAL DATA
User acknowledges and agrees that by providing BDO with any personal or proprietary user information through the Site, user consents to the transmission of such personal or proprietary user information over international borders as necessary for processing in accordance with BDO's standard business practices.

10. CHANGES TO RULES AND REGULATIONS
BDO reserves the right to revise the Rules and Regulations at any time and users are deemed to be apprised of and bound by any changes to these Rules and Regulations (except for those provisions concerning American Express).

11. VIOLATIONS OF RULES AND REGULATIONS
BDO and American Express reserve the right to seek all remedies available at law and in equity for violations of these Rules and Regulations, including the right to block access from a particular Internet address to the Site.

12. ACCESS TO PASSWORD PROTECTED/SECURE AREAS
Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.

Privacy Statement

At BDO, we are committed to protecting your privacy as a visitor to this website and as our customer. We are bound by strict rules of confidentiality and, unless we are required to do so by law, rule or regulation, we will not disclose any information you may provide us to any person without your permission.

Collection of Information
We only collect information that are voluntarily submitted by our website visitors through the "Contact Us" section. Information provided are submitted to the BDO Customer Contact Center or the American Express Customer Service for proper handling.

Security
We assure you that any information you communicate to us is protected. We have put in place state-of-the-art technology to prevent unauthorized users from accessing our systems.

Emails and Inquiries
Inquiries sent through our website will be stored in a secured system environment.

Since email is not entirely safe, we will not include confidential account information. A Customer Service Representative will get in touch with you should we require other information. We will never ask for account numbers, passwords, credit card numbers or other personal information through email nor ask you to confirm any such information by clicking on a link in an email. Should you happen to receive an email containing a purported link to our website, asking you to provide or confirm confidential information, kindly ignore this and do not attempt to access the link to get to our site. These links may take you to a spoofed site that could send all information you enter to the hacker who designed the site.

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