SM-CAIR DEBIT SHOPPING CARD

1. SM-CAIR DEBIT SHOPPING CARD

2. Why will I want this Pre-paid Card? • No Load Expiry- Contact CAIR for Card Loading; up to P10T max per day. • No Card Expiry- Pay a one time card fee of P200 (leave P1 balance to prevent card expiry) • Secure (PIN Based)-enter PIN at Cashier each time you purchase. • Safer than Cash-should you loose the card, contact CAIR and the remaining balance can be moved to your new SM-CAIR DEBIT Card or another person’s SM card. • FREE Balance Inquiry via BDO ATM or EFT

3. How to Pay for Store Purchases • Present SM Card to the Cashier • Cashier will swipe your card, enter amount of purchase, and select “Savings” as type of account on the PIN pad. • Enter your 6-digit ATM PIN • Get your card and Transaction receipt from the Cashier. ( you may also inquire from the Cashier the remaining value of your SM-CAIR DEBIT card) • You’re still entitled to SM Advantage Points/ BDO Rewards • Not enough Load to pay for purchases? Pay using your SM-CAIR DEBIT CARD first then use your credit card or cash for the balance!

4. FREE Balance Inquiry through BDO ATM • Enter Pin • Press Balance Inquiry Button • Choose “Cash Card” account type

5. Accepted in All Outlets and Affiliates: 1. SM Department Store 2. Toy Kingdom 3. Surplus Shop 4. ACE Hardware 5. Watsons 6. Our Home 7. Sports Central 8. Baby and Company 9. Kultura 10.SM Supermarket / Hypermarket * 11. SM Appliance Center * 12. Factory Sale Outlet * */ with 5% handling fee ( although the SM-Cair Debit Card is accepted in these 3 stores, we suggest you NOT USE the SM-CAIR DEBIT CARD in these establishments to avoid the 5% handling fee)

7. Benefits for CAIR • 5% Commission for Purchases Using SM-CAIR DEBIT Card * These earnings become dividends for the members • AVOID USING AT THESE STORES • SM Appliance Center • SM Supermarket and SM Hypermarket • Factory Sales Outlet

8. Why Would I Be Interested in Getting This Card? Alan, whose mother lives in the province provides for her medicines. He sent her a SM-CAIR DEBIT card and every month goes to CAIR to buy load for the card so his mother can purchase her medicines from Watson’s. Alan helps his mom, earns patronage refund and contributes to the growth of CAIR’s earnings. (When CAIR grows, our dividends grow too) Helen, who likes to give gifts for Xmas and birthdays, gives an SM-CAIR DEBIT card instead. Unlike Gift Checks,The Card recipient can consume the full value of the card and does not have to consume it on a one time purchase. • This program is for: • anyone who likes the convenience of Paying cash for their • Purchases; no due dates to remember! Safer than CASH. • -Cair Members who wish to participate in increasing the income earned by the COOP. The 5% commission from the program? It goes back to members as dividends!

9. Frequently Asked Questions • 1. Do I need to Load on a regular basis? • No. Buy load when you want for any amount below P10T. Loading Limit is P10,000 PER DAY. • 2. Where do I buy Load? • From CAIR. At the moment, FA Chona Tuazon, CAIR treasurer, is the only person entrusted with this loading transactions. • 3. How do I pay for my Load? • Cash. ( SM Shopping Load as a LOAN Product is under study) • 4. Does my shopping Card have an expiration date? • No. For as long as the card can be read by the cashier’s machine or is not dilapidated or mutilated, it does not expire,however, leave a card balance of at least P1.00 for prolonged non usage. • 5. I used my Shopping card in the supermarket, why did they charge me an extra 5% of my total purchase? • CAIR earns a 5% commission from other establishments except for Supermarkets, Appliance Store and Factory Outlet. Though the card will be honored in these stores, an add on fee of 5% is collected.

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