Guidelines on the Electronic Submission of the Credit Card Business Activity Report (CCBAR)

O OFFICE OF THE DEPUTY GOVERNOR FINANCIAL SUPERVISION SECTOR 091 MEMORANDUM NO. M-2020 - ___ To : ALL BSP-SUPERVISED FINANCIAL INSTITUTIONS (BSFIs) WITH CREDIT CARD OPERATIONS AND THEIR SUBSIDIARY/AFFILIATE CREDIT CARD COMPANIES Subject : Guidelines on the Electronic Submission of the Credit Card Business Activity Report (CCBAR) All BSP-Supervised Financial Institutions (BSFIs) with credit card operations and their subsidiary/affiliate credit card companies shall observe the following guidelines for submission of the CCBAR beginning with the 31 October 2020 month-end report. This is pursuant to BSP Circular No. 1003* dated 16 May 2018 which supersedes Memorandum No. M-2016-002 dated 10 March 2016. I. Submission Procedures 1. BSFIs shall accomplish the updated Data Entry Template (DET) when submitting to the BSP and be guided by the reconciliation rules, attached thereto, both of which can be downloaded from http://www.bsp.gov.ph/SES/reporting_templates. 2. BSFIs shall electronically transmit the CCBAR within 15 banking days from the reference month-end period to [email protected] using the prescribed format for the Subject - “CCBAR<space><BSFI Name>,<space>dd<space>month name<space>ccyy” For Example, To : [email protected] Subject: CCBAR <BSFI Name>, 31 October 2020 and the following prescribed file names and file format: File File Name File Format Data Entry Template (DET) CCBAR XLS Control Prooflist (CP) CCBAR-Control Prooflist PDF _______________________________ * Guidelines on the Establishment and Operations of Credit Card lssuers to lmplement Republic Act No. 10870 or the Philippine Credit Card lndustry Regulations Law

3. The submission deadline for the reference periods 31 October, 30 November and 31 December 2020 shall be due on or before 22 January 2021. 4. The e-mail address/es used in electronically submitting the CCBAR shall be the same e-mail address/es that will be used by the DSA in electronically acknowledging the submitted report and transmitting the corresponding validation results. For BSFIs covered by Memorandum No. M-2017-028 dated 11 September 2017, only e-mail addresses officially registered with the DSA shall be used when electronically submitting the said report. 5. BSFIs that are unable to transmit via email may submit the DET and its generated CP using any portable storage device (e.g., USB flash drive) through messengerial or postal services within the prescribed deadline to: The Director Department of Supervisory Analytics (DSA) Bangko Sentral ng Pilipinas Ground Floor, Multi-Storey Building, BSP Complex, A. Mabini Street Malate 1004 Manila 6. A CCBAR guide is provided for the definition of data fields/entries (Annex A). It is understood that all data reported in the CCBAR have been checked for consistency against the credit card related information and balances in the Financial Reporting Package (FRP) and/or other prescribed reports containing the same relevant information submitted to DSA. The pertinent accounts are indicated in the reconciliation rules (Annex B). 7. Queries regarding the CCBAR, its related regulations and guidelines shall be sent via e-mail to [email protected]. II. Important Reminders 1. The following may result in an erroneous or failed submission, among others: a. Transmitting the wrong report/attachment b. Failure to use the correct/updated templates c. Failure to use an officially registered email address d. Transmitting to the wrong e-mail address e. Failure to use the prescribed subject line or reporting date f. Failure to use the prescribed filenames g. Failure to use the correct file format

2. Only one (1) DET and its corresponding signed and generated CP shall be submitted for each reporting period in one e-mail transmission. Submissions containing more than or less than one (1) DET and one (1) CP shall automatically be rejected by the system and considered non- compliant with the applicable reporting standards. 3. Report submissions that do not conform to the above prescribed procedures shall not be accepted by the BSP thus, considered unsubmitted. It likewise follows that only files prescribed by the BSP for the report shall be deemed compliant with the existing reportorial requirements subject to validation and applicable penalties for erroneous, delayed and/or unsubmitted reporting. For compliance. Digitally signed by DG Chuchi G. Fonacier Date: 12 December 2020 CHUCHI G. FONACIER Deputy Governor 12 December 2020

Annex A CREDIT CARD BUSINESS ACTIVITY REPORT DEFINITIONS DATA FIELD DEFINITION PART I: CARD ISSUANCE (In Numbers) This represents the total number of cards that are issued and A. Cards in Force outstanding; includes credit cards issued to the primary accountholder and any supplemental cards. 1. Total Number of Cards in Force (1 = 2 = 3) 2. By Category This represents the total number of cards issued and outstanding i. Schemed cards under credit card schemes. a. American Express b. Japan Credit Bureau (JCB) c. MasterCard d. VISA Card e. Diners f. China Union Pay g. Others These are also called private label cards which are issued under a contractual agreement between financial institutions and third ii. Proprietary parties, usually large retailers, for the purpose of consumers transacting business with that entity. 3. By Segment This refers to cards issued to individuals for purposes other than i. Individual corporate/business-related. This refers to cards issued to the initial or main user of the credit a. Primary card. This refers to a credit card issued to another person b. Supplementary whose credit limit is consolidated with the primary cardholder. This refers to cards issued to members of a company for business- ii. Corporate related expenses, most often travel-related. B. Cards Applications (In Numbers) Credit Card Application refers to the documentation completed 1. Number of applications and submitted by an individual to apply for a credit card. Approved Applications refer to the number of credit cards 2. Number of approved applications approved and issued through different methods. C. Cards Issued by Status (In Numbers) (Sum 1 to 3) This refers to cards in good standing for both principal and 1. Active supplementary cardholders. Temporarily Suspended cards refer to cards which are still active 2. Temporarily Suspended but temporarily suspended due to recent non-payment. 3. Closed/Cancelled This refers to cards requested by cardholders for cancellation not i. Voluntary attributable to delinquency. This refers to cards cancelled by issuing bank due to cardholder's ii. Involuntary delinquency. PART II: CREDIT AND EXPOSURE A. Credit Limit (In Php) 1. By Segment This refers to cards issued to individuals for purposes other than i. Individual corporate/business-related. This refers to cards issued to members of a company for business- ii. Corporate related expenses. B. Credit Card Receivables (In Php) 1. Current 2. Past Due This refers to the total amount of past due credit card receivables. i. 1-30 days past due ii. 31-60 days past due iii. 61-90 days past due 1 of 5

Annex A DATA FIELD DEFINITION PART I: CARD ISSUANCE This refers to principal and/or interest that are unpaid for more (In Numbers) than ninety (90) days from contractual due date, or accrued 3. Sum of Non-Performing Loans interests for more than ninety (90) days have been capitalized, refinanced, or delayed by agreement. i. Non-Performing Loans, Net of Items in Litigation a. 91-120 days past due b. 121-180 days past due c. Over 180 days past due Items in litigation shall refer to credit card receivables for which ii. Items in Litigation cases, such as collection or foreclosure, have been filed in court or sheriff’s office, as the case may be. This refers to the total amount of bad debts charged off from the C. Write-offs (In Php) (Sum 1 and 2) receivable account. This refers to the amount of receivables written off due to non- 1. Due to Delinquency payment. This refers to the amount of receivables written off due to 2. Due to Fraud/Others unauthorized use of cards, fraud perpetrated by bank employees, etc. D. Indicators (%) 1. Delinquency Rate 2. Past Due Ratio 3. Fraud Incidence (also known as fraud bps) PART III: BILLINGS AND USAGE A. Billings (In Php) This refers to the total amount of billings of purchases and cash 1. Total Billings (1 = 2 = 3) advances. 2. By Mode of Transaction This refers to total amount of transactions using POS terminals. i. Card Present This refers to the total amount of transactions done via online, balance transfer, automatic debit arrangements, bills payment ii. Card Not Present and phone banking transactions which does not need the physical presence of the card. This refers to other mode of transactions other than the items mentioned above such as "Virtual Credit Card" or "controlled iii. Others payment number" and other modes of payment such as Quick Response (QR) codes or other future technology innovations. 3. By Type i. Purchase This refers to the amount paid for purchases. ii. Cash Advance This refers to the amount paid for cash advances. iii. Others B. Usage (In Numbers) This refers to the total number of billings of purchases and cash 1. Total Number of Transactions (1 = 2 = 3) advances per network/brand. 2. By Mode of Transaction This refers to total number of transactions using POS terminals i. Card Present and cash advance through Automated Teller Machines (ATM). This refers to the total amount of transactions done via online, balance transfer, automatic debit arrangements, bills payment ii. Card Not Present and phone banking transactions which does not need the physical presence of the card. This refers to other mode of transactions other than the items mentioned above such as "Virtual Credit Card" or "controlled iii. Others payment number" and other modes of payment such as Quick Response (QR) codes or other future technology innovations. 3. By Type i. Purchase This refers to cash obtained by the cardholder from his/her credit ii. Cash Advance card account, availed in any manner as stipulated in the credit card contract/agreement. iii. Others 2 of 5

Annex A DATA FIELD DEFINITION PART I: CARD ISSUANCE This refers to the number of cardholders who paid the total Cardholder By Type of Payment Behavior (In Numbers) (InC.Numbers) amount due or minimum amount due. This refers to the number of cardholders who paid the minimum 1. Number of Revolvers amount due regardless of whether the total amount due was paid during the previous billing period. This refers to the number of cardholders who paid the total 2. Number of Transactors amount due regardless of whether he paid only the minimum amount due during the previous billing period. PART IV: FEES AND CHARGES A. Fees and Charges Collected (Sum 1 to 9) This refers to the interests, fees, service charges, discounts and 1. Finance Charge such other charges incident to the extension of credit. This refers to the amount a credit card issuer charges the credit cardholder 2. Annual Membership Fee for the right to use its credit card and acquire access to other membership benefits. This is the amount imposed for the transfer of the balance in a credit card account with one 3. Balance Transfer Availment Fees (1) credit card issuer to another account under a different credit card issuer subject to terms mutually agreed upon by the parties concerned. This is the amount charged for the replacement of lost, stoled or 4. Card Replacement Fees damaged credit card. This refer to cash obtained by the cardholder from his/her credit 5. Cash Advance Fees card account, availed in any manner as stipulated in the credit card contract/agreement. This refers to the amount of fees for foreign transactions 6. Foreign Transaction Conversion Fees converted to Philippine peso. This is the amount of fees charged for cardholders' failure to pay 7. Late Payment Charges at least the minimum amount due on or before the payment due date. 8. Overlimit Fees This refers to the amount of fees billed for exceeding credit limit. 9. Others This refers to the amount of other fees charged by card issuers. These refers to fees/charges per cardholder which may be a B. Standard Rates and Charges per Cardholder minimum amount or maximum percentage. 1. Finance Charge i. Minimum (%) ii. Maximum (%) 2. Annual Membership Fee i. Minimum (Peso Amount) ii. Maximum (Peso Amount) 3. Balance Transfer Availment Fee i. Minimum (Peso Amount) ii. Maximum (Peso Amount) 4. Card Replacement Fee i. Standard Fee 5. Cash Advance Fee i. Minimum (Peso Amount) ii. Maximum (Peso Amount) 6. Foreign Transaction Conversion Fee i. Minimum (%) ii. Maximum (%) 7. Late Payment Charge i. Minimum (Peso Amount) ii. Maximum (Peso Amount) 8. Overlimit Fees i. Minimum (Peso Amount) ii. Maximum (Peso Amount) PART V: CARDHOLDER PROFILE (In Number) CARDHOLDER INFORMATION (Principal Only) (As of data) A. Age (Sum 1 to 5) 1. Below 22 years old 2. 22 to 35 years old 3. 36 to 55 years old 4. 56 to 65 years old 5. 66 years old and above 3 of 5

Annex A DATA FIELD DEFINITION PART B. I: CARD ISSUANCE Gender at Birth (Sum 1 and 2) (In Numbers) 1. Male 2. Female C. Geographic Location (where billings are sent) (Sum 1 and 2) 1. NCR 2. Regions (Sum a to p) Cordillera Administrative Region: Abra, Apayao, Benguet, Ifugao, a. CAR Kalinga, Mountain Province b. Region I-Ilocos Region Ilocos Norte, Ilocos Sur, La Union and Pangasinan c. Region II - Cagayan Valley Batanes, Nueva Vizcaya, Cagayan, Isabela and Quirino Bataan, Bulacan, Nueva Ecija, Pampanga, Tarlac, Zambales and d. Region III- Central Luzon Aurora e. Region IV-A Calabarzon Cavite, Laguna, Batangas, Rizal and Quezon Occidental & Oriental Mindoro, Marinduque, Romblon and f. Region IV-B Mimaropa Palawan Albay, Camarines Norte & Sur, Catanduanes, Masbate and g. Region V-Bicol Region Sorsogon h. Region VI-Western Visayas Aklan, Antique, Negros Occidental, Capiz, Guimaras and Iloilo i. Region VII-Central Visayas Cebu, Bohol, Negros Oriental and Siquijor Biliran, Eastern, Northern & Western Samar, Leyte and Southern j. Region VIII-Eastern Visayas Leyte Zamboanga Peninsula: Zamboanga del Norte, Zamboanga del Sur, k. Region IX-Zamboanga Peninsula Zamboanga Sibugay Misamis Oriental & Occidental, Camiguin, Lanao del Norte and l. Region X-Northern Mindanao Bukidnon Davao Region: Compostela Valley, Davao del Norte, Davao m. Region XI-Davao Region Oriental, Davao Occidental and Davao del Sur Central Mindanao: South Cotabato, Cotabato, Sultan Kudarat, n. Region XII-Soccsksargen Saranggani Caraga: Agusan del Norte, Agusan del Sur, Surigao del Norte, o. Region XIII-Caraga Surigao del Sur, and Dinagat Islands p. BARMM BARMM: Basilan, Lanao del Sur, Maguindanao, Sulu, Tawi-Tawi D. Occupation (Sum of 1 to 3) 1. Private Sector 2. Government Sector 3. Self-employed E. Educational Attainment (Sum 1 to 4) 1. High School 2. College 3. Post Graduate 4. Others PART VI: USAGE PROFILE (In PHP) USAGE LOCATION Incoming (locally used) for merchant acquiring banks of credit card This refers to the non-resident travelers' use of internationally transaction (Sum A to C) issued credit cards in the Phils. This covers all goods and services for own use or to give away, acquired by Philippine residents going abroad or non-residents coming to the Philippines for personal/business purposes. Examples of personal purpose include vacations, participation in recreational and cultural activities, visits with friends and relatives, pilgrimage, and education- and health-related purposes; A. Travel (Sum 1 to 3) and business purpose such as carrier crews stopping off or laying over, government employees on official travel, employees of international organizations on official business and employees traveling on behalf of their employer. Business travel also covers goods and services for which business travelers are reimbursed by their employer but excludes sales or purchases on behalf of the enterprise/company that they represent. 4 of 5

Annex A DATA FIELD DEFINITION PART I: CARD ISSUANCE (In Numbers) This refers to goods and services such as: Hotel, lodging, motels, resorts, Car rentals, passenger railways, commuter passenger 1. Personal Travel ferries, taxicabs, bus lines, cruise lines, duty free stores, service stations, drug stores, pharmacies, restaurants, telecom equipment, electronic sales etc. This refers to services of Doctors, Dentists, Orthodontics, Ostheopathic Physicians, Chiropractors, Opthometrists, 2. Health-Related Travel Opthalmologists, Opticians, Hospital, Nursing and Personal Care Facilities, Dental and medical laboratories etc. This refers to services of schools, colleges and educational 3. Education-Related Travel services etc. These cover all services provided in the international transport of non-residents by resident carriers and of residents by non- resident carriers. These include fares and other expenditures related to the carriage of passengers, taxes levied on passenger services, package tours, cruise fares, charges for excess baggage, vehicles, or other personal accompanying effects and food, drinks, B. Passenger services or other items purchased on board carriers. Excluded in this category are passenger transport services provided within a territory by residents to non-residents that are provided or purchased separately from international transport. Such expenditures are included under travel. These cover all Incoming/Outgoing less Travel and Passenger C. Others Service. This refers to Philippine resident travelers' use of locally issued Outgoing (used abroad)----for credit card issuing banks (Sum A to C) credit cards abroad. This covers all goods and services for own use or to give away, acquired by Philippine residents going abroad or non-residents coming to the Philippines for personal/business purposes. Examples of personal purpose include vacations, participation in recreational and cultural activities, visits with friends and relatives, pilgrimage, and education- and health-related purposes; A. Travel (Sum 1 to 3) and business purpose such as carrier crews stopping off or laying over, government employees on official travel, employees of international organizations on official business and employees traveling on behalf of their employer. Business travel also covers goods and services for which business travelers are reimbursed by their employer but excludes sales or purchases on behalf of the enterprise/company that they represent. 1. Personal Travel 2. Health-Related Travel 3. Education-Related Travel These cover all services provided in the international transport of non-residents by resident carriers and of residents by non- resident carriers. These include fares and other expenditures related to the carriage of passengers, taxes levied on passenger services, package tours, cruise fares, charges for excess baggage, B. Passenger services vehicles, or other personal accompanying effects and food, drinks, or other items purchased on board carriers. Excluded in this category are passenger transport services provided within a territory by residents to non-residents that are provided or purchased separately from international transport. Such expenditures are included under travel. These cover all Incoming/Outgoing less Travel and Passenger C. Others Services 5 of 5

Annex B Credit Card Business Activity Report for Universal/Commercial Banks and their Subsidiary Banks Type of Total RIN Particulars Schedule No. Account Code/Formulation Instructions Reconciliation Amount Rule/Remarks CCBAR10 Current FRP-Sched 11A 140150004505100000 x Use Current Column 1.0/UNB CCBAR 002200500000000000 x CCBAR20 Past Due FRP-Sched 11A 140150004505100000 x Use Past Due Column 1.0/UNB CCBAR 002201000000000000 x Add Non-Performing, net of ITL and Items in Litigation CCBAR30 Sum of Non-Performing Loans FRP-Sched 11A 140150004505100000 x 2.1/UNB (ITL) columns CCBAR 002201500000000000 x CCBAR40 Non-Performing Loans, Net of ITL FRP-Sched 11A 140150004505100000 x Use Non-Performing, net of ITL Column 1.0/UNB CCBAR 002201500500000000 x CCBAR50 Items in Litigation FRP-Sched 11A 140150004505100000 x Use Items in Litigation (ITL) Column 1.0/UNB CCBAR 002201501000000000 x Type of Reconciliation Rule 1. Straightforward rules 2. Formula generated rules 2.1. Same account with several columns 2.2. Combination of several accounts 3. Conditional rules 1 of 1

CREDIT CARD BUSINESS ACTIVITY REPORT (CCBAR) <dd-mmmm-yyyy> Name of Financial Institution: Financial Institution Code: URL/Web Site: 2 PART I: CARD ISSUANCE For the Month Ended Account Codes (In Numbers) < mmmm-yyyy> A. Cards in Force 1. Total Number of Cards in Force (1 = 2 = 3) 001050000000000001 0 2. By Category 001050000000000002 0 i. Schemed 001050500000000000 0 a. American Express 001050500500000000 b. Japan Credit Bureau (JCB) 001050501000000000 c. MasterCard 001050501500000000 d. VISA Card 001050502000000000 e. Diners 001050502500000000 f. China Union Pay 001050503000000000 g. Others 001050503500000000 ii. Proprietary 001051000000000000 3. By Segment 001050000000000003 0 i. Individual 001051500000000000 0 a. Primary 001051500500000000 b. Supplementary 001051501000000000 ii. Corporate 001052000000000000 B. Cards Applications (In Numbers) 1. Number of applications 001150000000200000 2. Number of approved applications 001150000000100000 C. Cards Issued by Status (In Numbers) (Sum 1 to 3) 001200000000000000 0 1. Active 001200500000000000 2. Temporarily Suspended 001201000000000000 3. Closed/Cancelled 001201500000000000 0 i. Voluntary 001201500500000000 ii. Involuntary 001201501000000000 PART II: CREDIT AND EXPOSURE For the Month Ended Account Codes < mmmm-yyyy> A. Credit Limit (In Php) 002150000000000000 0.00 1. By Segment 002150500000000000 0.00 i. Individual 002150500500000000 ii. Corporate 002150501000000000 B. Credit Card Receivables (In Php) 1. Current 002200500000000000 2. Past Due 002201000000000000 0.00 i. 1-30 days past due 002201000500000000 ii. 31-60 days past due 002201001000000000 iii. 61-90 days past due 002201001500000000 3. Sum of Non-Performing Loans 002201500000000000 0.00 i. Non-Performing Loans, Net of Items in Litigation 002201500500000000 0.00 a. 91-120 days past due 002201500505000000 b. 121-180 days past due 002201500510000000 c. Over 180 days past due 002201500515000000 1 of 4

CREDIT CARD BUSINESS ACTIVITY REPORT (CCBAR) <dd-mmmm-yyyy> ii. Items in Litigation 002201501000000000 C. Write-offs (In Php) (Sum 1 and 2) 002250000000000000 0.00 1. Due to Delinquency 002250500000000000 2. Due to Fraud/Others 002251000000000000 D. Indicators (%) 1. Delinquency Rate 002300500000000000 2. Past Due Ratio 002301000000000000 3. Fraud Incidence (also known as fraud bps) 002301500000000000 PART III: BILLINGS AND USAGE For the Month Ended Account Codes < mmmm-yyyy> A. Billings (In Php) 1. Total Billings (1 = 2 = 3) 003200500000000000 0.00 2. By Mode of Transaction 003201000000000000 0.00 i. Card Present 003201000500000000 ii. Card Not Present 003201001000000000 iii. Others 003201001500000000 3. By Type 003201500000000000 0.00 i. Purchase 003201500500000000 ii. Cash Advance 003201501000000000 iii. Others 003201501500000000 B. Usage (In Numbers) 1. Total Number of Transactions (1 = 2 = 3) 003250500000000000 0 2. By Mode of Transaction 003251000000000000 0 i. Card Present 003251000500000000 ii. Card Not Present 003251001000000000 iii. Others 003251001500000000 3. By Type 003251500000000000 0 i. Purchase 003251500500000000 ii. Cash Advance 003251501000000000 iii. Others 003251501500000000 C. Cardholder By Type of Payment Behavior (In Numbers) 003300000000000000 0 1. Number of Revolvers 003300500000000000 2. Number of Transactors 003301000000000000 PART IV: FEES AND CHARGES For the Month Ended < mmmm-yyyy> A. Fees and Charges Collected (Sum 1 to 9) 001400000000000000 0.00 1. Finance Charge 001400500500000000 2. Annual Membership Fee 001400501000000000 3. Balance Transfer Availment Fees 001400501500000000 4. Card Replacement Fees 001400502000000000 5. Cash Advance Fees 001400502500000000 6. Foreign Transaction Conversion Fees 001400503000000000 7. Late Payment Charges 001400503500000000 8. Overlimit Fees 001400504000000000 9. Others 001400504500000000 B. Standard Rates and Charges per Cardholder 1. Finance Charge i. Minimum (%) 001550500500500000 ii. Maximum (%) 001550500500600000 2 of 4

CREDIT CARD BUSINESS ACTIVITY REPORT (CCBAR) <dd-mmmm-yyyy> 2. Annual Membership Fee i. Minimum (Peso Amount) 001550501000500000 ii. Maximum (Peso Amount) 001550501000600000 3. Balance Transfer Availment Fee i. Minimum (Peso Amount) 001550501500500000 ii. Maximum (Peso Amount) 001550501500600000 4. Card Replacement Fee i. Standard Fee 001550502000500000 5. Cash Advance Fee i. Minimum (Peso Amount) 001550502500500000 ii. Maximum (Peso Amount) 001550502500600000 6. Foreign Transaction Conversion Fee i. Minimum (%) 001550503000500000 ii. Maximum (%) 001550503000600000 7. Late Payment Charge i. Minimum (Peso Amount) 001550503500500000 ii. Maximum (Peso Amount) 001550503500600000 8. Overlimit Fees i. Minimum (Peso Amount) 001550504000500000 ii. Maximum (Peso Amount) 001550504000600000 PART V: CARDHOLDER PROFILE (In Number) For the Month Ended CARDHOLDER INFORMATION (Principal Only) (As of data) Account Codes < mmmm-yyyy> A. Age (Sum 1 to 5) 002050500000000000 0 1. Below 22 years old 002050500500000000 2. 22 to 35 years old 002050501000000000 3. 36 to 55 years old 002050501500000000 4. 56 to 65 years old 002050502500000000 5. 66 years old and above 002050503000000000 B. Gender at Birth (Sum 1 and 2) 002051000000000000 0 1. Male 002051000500000000 2. Female 002051001000000000 C. Geographic Location (where billings are sent) (Sum 1 and 2) 002052000000000000 0 1. NCR 002052000500000000 2. Regions (Sum a to p) 002052001000000000 0 a. CAR 002052001005000000 b. Region I-Ilocos Region 002052001010000000 c. Region II - Cagayan Valley 002052001015000000 d. Region III- Central Luzon 002052001020000000 e. Region IV-A Calabarzon 002052001025000000 f. Region IV-B Mimaropa 002052001030000000 g. Region V-Bicol Region 002052001035000000 h. Region VI-Western Visayas 002052001040000000 i. Region VII-Central Visayas 002052001045000000 j. Region VIII-Eastern Visayas 002052001050000000 k. Region IX-Zamboanga Peninsula 002052001055000000 l. Region X-Northern Mindanao 002052001060000000 m. Region XI-Davao Region 002052001065000000 n. Region XII-Soccsksargen 002052001070000000 o. Region XIII-Caraga 002052001075000000 p. BARMM 002052001090000000 D. Occupation (Sum of 1 to 3) 002052500000000000 0 3 of 4

CREDIT CARD BUSINESS ACTIVITY REPORT (CCBAR) <dd-mmmm-yyyy> 1. Private Sector 002052500500000000 2. Government Sector 002052501000000000 3. Self-employed 002052501500000000 E. Educational Attainment (Sum 1 to 4) 002053000000000000 0 1. High School 002053000500000000 2. College 002053001500000000 3. Post Graduate 002053002000000000 4. Others 002053002500000000 For the Month Ended PART VI: USAGE PROFILE (In PHP) < mmmm-yyyy> USAGE LOCATION Incoming (locally used) for merchant acquiring banks of credit card 004050000000000000 0.00 transaction (Sum A to C) A. Travel (Sum 1 to 3) 004050500000000000 0.00 1. Personal Travel 004050500500000000 2. Health-Related Travel 004050501000000000 3. Education-Related Travel 004050501500000000 B. Passenger services 004051000000000000 C. Others 004051500000000000 Outgoing (used abroad)----for credit card issuing banks (Sum A to C) 004100000000000000 0.00 A. Travel (Sum 1 to 3) 004100500000000000 0.00 1. Personal Travel 004100500500000000 2. Health-Related Travel 004100501000000000 3. Education-Related Travel 004100501500000000 B. Passenger services 004101000000000000 C. Others 004101500000000000 $$$ Prepared By: Position: Date: Approved By: Position: Date: 4 of 4