Questions:
1. Why do you need a lot of information in your enrollment forms?

2. Do I need to fill out or answer all information in the enrollment forms?

3. If I have already given you the information you require, why do you need a photocopy of my government issued ID?

4. If you already have a photocopy of my government issued ID, why do you need a photocopy of my credit card?

5. If I want you to charge my credit card, what do you mean by a V-Code and why do you need this number?

6. Do you accept all major credit cards?

7. Why do you need my Social Security Number?

8. Why do you need my TFC Subscriber account number?

9. If I send to not just one but several beneficiaries, do I need to complete, sign and mail new beneficiary forms for each of my beneficiaries?

10. If I wish to change information such as the account number, address, or phone number of an already enrolled beneficiary account, do I still need to fill up and sign a beneficiary form?

11. How do I know if my beneficiary’s bank account number is valid?

12. Can you have an account credited with any bank in the Philippines?

13. If my beneficiary’s account is a valid account with BPI, how soon are the funds credited to the account?

14. If you already have debited my account or have already charged my credit card, why does it take 1-2 days for you to credit my beneficiary’s BPI account?

15. How much can I send to the Philippines per day?

16. If my beneficiary does not have an account with any bank in the Philippines, can I still send funds to my beneficiary?

17. Can you deliver funds to any location in the Philippines?

18. If I used your door to door delivery service, when will the funds be delivered to my beneficiary?

19. What type of identification does my beneficiary need to receive the funds?

20. What exchange rate is being applied to my transaction?

21. Is my information safe and secure with ABS-CBN Easy Remit?

22. How and where will I send my completed forms?

Answers:
1. After the 9/11 tragedy, President Bush signed the U.S. Patriot Act. Under the U.S. PATRIOT Act Section 326, the US Treasury Department has required all Money Service Businesses to implement a Customer Identification Program (CIP) or “Know Your Customer” (KYC) program with minimum standards for:
• Verifying the identity of all customers
• Maintaining records of the information used to verify the customer’s identity
• Determining whether the customer’s name appears on any list of known suspected terrorists or terrorist’s organization.

We invite you to assist us in our objective to cooperate with the U.S Government in uniting and strengthening America’s fight against terrorism and anti-money laundering. With the information you give us, together we will achieve the following:
• Cooperate with the US government and abide with the US PATRIOT Act.
• Assist in U.S. efforts to combat money laundering and terrorist financing by our joint effort of due diligence by helping us truly identify you, our customers.

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2. For the reasons given above and to properly register you for our Easy Remit program, we will need as much information as you can give us. For your protection, we intend to use the information you give us to prevent unauthorized usage of your funds. We will ask the caller questions from the information you have given us to help us confirm your identity when you call and authorize a remittance transaction. Our goal is to offer you a convenient and secured remittance service.

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3. Under the U.S. PATRIOT Act Section 326 approved by President Bush in October, 2001, all money service businesses are mandated to retain records of the information used to verify the customer’s identity. Although our Easy Remit program is primarily designed for the convenience of over-the-phone customers, we are still mandated to verify your identity. We need your government issued ID for verification and record retention purposes.

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4. If you want us to charge your credit card for your Easy Remit transaction, we will require a photocopy of the credit card you want charged for verification and record keeping purposes.

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5. V-CODES on credit cards are generally three or more digit numbers printed on the front left or right hand side of the cards. Generally these numbers are merely printed in black ink and are purposely not embossed. Some cards have V-CODES printed at the back of the card where your signature is required. If this is the case, we will need a photocopy of the back side as well.

We use the V-CODE number as confirmation that you have possession of the card.

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6. We only accept Visa and Master Card.

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7. If your remittance transaction amount is more than $2,000 we will require a Social Security Number for a U.S. based customer. The requirement of a Social Security Number is NOT for IRS or TAX purposes but SPECIFICALLY for anti-money laundering and anti-terrorist financing analysis for FINCEN (Financial Crimes Enforcement Network) of the U.S. Treasury Department.

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8. If you are a TFC subscriber, we intend to use your TFC subscriber number as your Easy Remit membership number. We can also use your TFC subscriber number as your secondary identification number for the Easy Remit.

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9. No. You can call our hotline number and easily add as many beneficiaries as you like.

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10. No. You can also make changes to your beneficiary’s information through the phone, again by calling the ABS-CBN Easy Remit hotline number.

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11. Usually, bank account numbers have 10 digit numbers (since most Philippine banks allot 10 digits for their customers’ bank account numbers). Account numbers become invalid for a variety of reasons. Customers closing out the account on purpose of falling below the minimum balance requirement is the most common reason that makes an account invalid. Double-check with your beneficiary if the account is still open and if the account number is correct.

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12. We deal with all major banks in the Philippines. We cannot facilitate account credits for the smaller banks and rural banks as these banks are generally not members of the Philippine clearing house.

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13. Your beneficiary’s BPI account will be credited in 1-2 days from the time we debit your checking or savings account or from the time the principal amount was charged to your credit card. Please also consider and take note of the time you called your transaction in. We will only debit accounts and charge credit cards during daytime office hours in the U.S.

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14. For all our remittance services, we need to allow 1-2 days for our bank to process and advise us of any possible charge backs due to reasons such as insufficient funds, payment stopped, card reported lost or stolen, charge disputed etc. Please refer to our table of service fees and delivery time.

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15. Our daily remittance limit is up to $1,000 for those who choose to remit via their checking accounts and $400 for those who use their credit cards.

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16. Yes. Your beneficiary can receive the money in Peso via:
1) Door to door Delivery
2) Pick-up at a convenient BPI branch office.

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17. We can deliver to most areas but not all. Generally, we cannot deliver to areas with:
• Temporarily or permanently impassable roads or highways due to floods or landslides
• Infrequent or unreliable means of transportation
• Provincial or local law and order security problems

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18. For Metro Manila, 1-3 days. For provincial delivery, 3-5 days.
Please remember that we need to allow 1-2 days for our bank to process and advise us of any possible charge backs due to insufficient funds, stop payments, card reported lost/stolen, charge disputes, etc…

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19. A valid picture ID issued by the government is required to receive or pick up funds.
In cases when the primary identification may be questionable, a secondary identification may be required.

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20. The exchange rate being applied is our current buying rate of the US$ at the time you have called in and authorized the transaction.

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21. Your privacy and the information you have provided is of utmost importance to us. The policy of ABS-CBN Global is to respect and protect the privacy of our users in line with government regulations.

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22. You may choose to send your completed forms and copies of your identification via:
• Certified or regular mail to:
ABS-CBN Easy Remit 150 Shoreline Drive, Redwood City, CA, 94065
• Fax to 1-800-518-1184

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We thank you for your interest in ABS-CBN Easy Remit. Our customer service hotline is open 24 hours, 7 days a week. Please give us a call at your convenience at 1-888-485-8088 or contact us locally at 1-650-508-6140/6053 or e-mail tawagremit@abs-cbni.com.

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