Sample Computation

     See sample computation for a P50,000 cash loan payable in 24 equal monthly      installments:

•  The computation above will serve as your guide. BDO, at its sole discretion, shall   determine the final amount and term to be approved.
•  The computed fixed monthly amortization using the factor rates indicated below may   differ from the monthly amortization computed and generated by the BDO system due   to the rounding-off of the factor rate, which is automated in BDO’s system.

   Interest Rate Table

Program Mechanics

1. All SuperLite Cash Loan applications received from April 8, 2008 to May 31, 2008 and
   subsequently approved for 24-month tenors and availed of on or before June 30, 2008 will qualify for the 0.98% monthly add-on rate.
2. The 0.98% monthly add-on rate will cover the entire tenure of all qualified accounts with 24-month tenors.
3. All applications will be subject to the credit policies, processing guidelines, and the Terms and Conditions of the SuperLite Cash Loan Program of Banco de Oro Universal Bank, Inc.
4. Employees of Banco De Oro Universal Bank, Inc., its affiliates, and relatives up to   the second degree of affinity or consanguinity are not qualified.
5. In case of dispute, the decision of Banco de Oro, with the concurrence of the Department of Trade and Industry, shall be deemed as final.

DTI Permit # 1524, Series of 2008