UnionBank Insular Life Credit Card

• Auto-Charge Convenience. Auto-charge your premium payments! No more post-dated checks! read more... • Payment Convenience. Enjoy Numerous Payment Channels: Pay over-the-counter at any UnionBank branch, drop payment at numerous UnionBank ATMs, through more than 1,400 Megalink and over 2,000 BancNet ATMs nationwide or via www.bancnetonline.com. For UnionBank Depository Accountholders, pay via Automatic Debit Arrangement or on-line at www.unionbankph.com. • Premium Deal-lite. Enjoy 0% interest up to 3 months’ installment on your premium payments! read more... • Bill Manager. Relax and make Insular Life Visa Card your Bill Manager. Have one due date for all your utility bills…no more long lines at the bank. read more... • CyberStatement. Get your Statement of Account via e-mail, immediately after statement cut-off, for more speed and convenience. Finally, no more misplaced credit card bills! read more... • Internet Convenience. At www.unionbankph.com, view your Billing Statement and transaction details, check your account balance and pay your bills, anytime and anywhere in the world. read more... • 24-Hr Customer Service. Get assistance wherever you are in the world via telephone, fax, postal mail, email or through our website. Even on weekends and holidays. read more... • Cash Advance Facility. Allows you to seize more business opportunities. • For international purchases, enjoy the convenience of paying in Pesos. • Worldwide acceptance. Accepted in over 16 million establishments around the world displaying the Visa logo.

UnionBank Sui Sing Visa Credit Card

Installment Program Enjoy life’s little luxuries with a payment plan that offers up to 36 monthly installment terms at 0% interest. Check out Lights Installment Partners! Auto-Charge Facility It’s time you leave your worries behind. Auto-charge your utility bills to your UnionBank Credit Card Bill Manager and have your finances taken care of. Enroll Now! Balance Transfer Take a deep dive with a Balance Transfer rate of 0.99%! Apply Now! Auto-Insurance Installment Plan Finally Car Insurance Just the way you want it! Only with UnionBank’s Car Secure insurance Program! Access Now! E-mail Statement of Account Because we know you live in the fast lane, get the ultimate rush with UnionBank CyberStatement…it’s your statement of account e-mailed to you immediately after statement cut-off date. Enroll Now! Internet Access It takes only a few clicks to get your Statement of Account, Transaction Details and Account Balance. Access Now! Mobile Banking It’s an anytime anywhere text convenience! Check your card’s current and available balance, pay your credit card bill from your UnionBank savings/current account, charge your SMART phone bill to your UnionBank credit card and reload your Smart Buddy! Currently available in SMART GSM mobile phones! Enroll Now! Discount Program We’ve lined up a whole lot of discounts, perks and freebies in restaurants, shopping, leisure and service outlets nationwide. Learn More! Rewards Program Because we know your many passions, get cash rebate, free gas, free plane ticket, free dining and shopping! Simply convert your Rewards Points to whatever you fancy! Payment Convenience We give you several ways to pay: Over-the-counter in numerous UnionBank and former iBank branches nationwide, drop payment anytime, any day at selected UnionBank ATMs, transact at thousands of MegaLink(including UnionBank) and Bancnet ATM nationwide or on-line at www.bancnetonline.com if you are a BancNet ATM cardholder. If you are a UnionBank depositor, make an auto-debit arrangement from your UnionBank savings or current account or pay on-line at www.unionbankph.com Credit Life Insurance U-Protect We guarantee protection for you and your family in the event of untimely death and disability, pays up to P 400,000 of your outstanding balance. Learn More! U-Secure It’s a double financial protection for your and your family up to P400,000 paid to your UnionBank Credit Card and cash paid to you or your family in the event of total permanent disability or death. Learn More! Open Number of Supplementary Cards Because your family and friends matter to us. Share the privileges of your UnionBank Credit Card to as many qualified family members and friends, from 14 to 60 years old. Longer Credit Terms Enjoy up to 53 days Credit, 0% Interest from cut-off date to payment due date if full balance is paid For international purchases, enjoy the convenience of paying in Pesos. Cash Advance Facilities Seize more opportunities with ready cash! Flexible Monthly Payment Pay only 5% of total outstanding balance or P500, whichever is higher, or any amount in between. 24-Hour Customer Service Get assistance wherever you are in the world via telephone, fax, postal mail, email or through our website. Even on weekends and holidays. Reach us now! Worldwide Acceptance Take your business and pleasure to over 16 million establishments around the world displaying the VISA logo!

UnionBank Titanium Credit Card

Access to Exclusive Courses Get into the heart of the action wherever you please. UnionBank Titanium Credit Card paves the way to these exclusive golf courses. Read More! A 24/7 Titanium Concierge for tee-time bookings. Your own 24/7 Titanium Concierge for a hassle-free booking of your tee time and a wide range of referral services for your business and personal needs. Read More! Pre-Departure Pampering at Club Manila No matter which airline you fly, get a free-departure pampering at Club Manila Lounge for free. Read More! Discounts on Green Fees Tee Off in Style! Get exclusive discounts at selected golf establishments. Read More! Titanium Rewards Program Privileges that matter to you. Free Golf Holidays Fly to your next golf holiday for free. Choose anyway you want it with three airline partners from your UnionBank Titanium Credit Card. Transfer your Rewards Points to Philippine Airline's Mabuhay Miles Frequent Flyer Program for a free plane ticket. Every P200 purchase using your card entitles you to 1 point. What's more? 1 Point = 3 miles! So you can fly for free... fast! Transfer your Points now! Who says flying is a luxury? Convert your Reward Points directly into Cebu Pacific tickets and take advantage of Promo Fares! Redeem your Points now! Dying to get that glowing tan? Fly to Boracay in just 35 minutes! Choose from so many flights to Palawan daily! Ditch that starched suit now!

UnionBank OmniPass Credit Card

Fly the airline of your choice! Simply redeem directly from the UNIONBANK OmniPass Travel Rewards. Fly now! Fly for FREE via the Philippine Airlines’ Mabuhay Miles Frequent Flyer Program by simply transferring your Travel Points for a FREE plane ticket. Transfer your points now! Fly for FREE via Cebu Pacific! Simply redeem your travel points from the Cebu Pacific Travel Rewards for a free plane ticket. Fly now! Fly for FREE via SEAIR! Simply redeem your travel points from the SEAIR Travel Rewards for a free plane ticket. Fly now! Travel by sea aboard SuperFerry and sail across breath-taking beaches on a Sail Away Cruise. Sail away now! Travel by land chauffer-driven in a limousine service or simply rush to your flight with an airport transfer from Avis and Nissan. Convert your Travel Points to FREE local and international air and accommodation packages. Simply redeem directly from the UNIONBANK OmniPass Travel Rewards. Fast Track your vacation with a combination of Easy Earner Travel Points and Cash charged to your UnionBank OmniPass..or simply charge the entire Travel Reward to your UNIONBANK OmniPass and enjoy one of the lowest package rates in the country. Pre-departure pampering at Club Manila Lounge Escape the hustle and bustle of the airport and navigate your way to Club Manila Lounge. Learn more… Travel Concierge Let your own Travel Concierge take care of every facet of your trip from plane ticket, hotel and airport transfer bookings to providing you with information on weather, exchange rate, travel forecasts…so that you can focus on the only thing that matters – a great journey. It’s yours to use all year long, 24x7. Call 8179601 now! Learn more… Discount Program Count on special perks, freebies and discounts when you use your UNIONBANK OmniPass in local resorts, hotels, spas and travel shops. Check these out… Rewards Programs Redeem your Travel Points now and start the countdown to a great travel adventure!

UnionBank BAI Credit Card

Enjoy the perks of being a true-blue Cebuano! From special perks and discounts at home-grown restaurants, clubs, shops and department stores in Cebu to exclusive installment packages from various appliance, furniture, electronic stores and more! The UnionBank Bai Credit Card is Cebuanos perfect companion whenever and wherever as privileges extend to all the way to various Manila partner establishments…so that the fun Cebu life never stops. Earn 1 Reward Point for every P 25 spending charged to your UnionBank Bai Credit Card and redeem these points for cash rebates, free gas, free plane tickets, free dining and shopping! Plus more! Installment Program Enjoy life’s little luxuries with a payment plan that offers up to 36 monthly installment terms at 0% interest. Check out Lights Installment Partners! Auto-Charge Facility It’s time you leave your worries behind. Auto-charge your utility bills to your UnionBank Credit Card Bill Manager and have your finances taken care of. Enroll Now! Balance Transfer Take a deep dive with a Balance Transfer rate of 0.99%! Apply Now! Auto-Insurance Installment Plan Finally Car Insurance Just the way you want it! Only with UnionBank’s Car Secure insurance Program! Access Now! E-mail Statement of Account Because we know you live in the fast lane, get the ultimate rush with UnionBank CyberStatement…it’s your statement of account e-mailed to you immediately after statement cut-off date. Enroll Now! Internet Access It takes only a few clicks to get your Statement of Account, Transaction Details and Account Balance. Access Now! Mobile Banking It’s an anytime anywhere text convenience! Check your card’s current and available balance, pay your credit card bill from your UnionBank savings/current account, charge your SMART phone bill to your UnionBank credit card and reload your Smart Buddy! Currently available in SMART GSM mobile phones! Enroll Now! Discount Program We’ve lined up a whole lot of discounts, perks and freebies in restaurants, shopping, leisure and service outlets nationwide. Learn More! Rewards Program Because we know your many passions, get cash rebate, free gas, free plane ticket, free dining and shopping! Simply convert your Rewards Points to whatever you fancy! Payment Convenience We give you several ways to pay: Over-the-counter in numerous UnionBank and former iBank branches nationwide, drop payment anytime, any day at selected UnionBank ATMs, transact at thousands of MegaLink(including UnionBank) and Bancnet ATM nationwide or on-line at www.bancnetonline.com if you are a BancNet ATM cardholder. If you are a UnionBank depositor, make an auto-debit arrangement from your UnionBank savings or current account or pay on-line at www.unionbankph.com Credit Life Insurance U-Protect We guarantee protection for you and your family in the event of untimely death and disability, pays up to P 400,000 of your outstanding balance. Learn More! U-Secure It’s a double financial protection for your and your family up to P400,000 paid to your UnionBank Credit Card and cash paid to you or your family in the event of total permanent disability or death. Learn More! Open Number of Supplementary Cards Because your family and friends matter to us. Share the privileges of your UnionBank Credit Card to as many qualified family members and friends, from 14 to 60 years old. Enroll Now! Longer Credit Terms Enjoy up to 53 days Credit, 0% Interest from cut-off date to payment due date if full balance is paid For international purchases, enjoy the convenience of paying in Pesos. Cash Advance Facilities Seize more opportunities with ready cash! Flexible Monthly Payment Pay only 5% of total outstanding balance or P500, whichever is higher, or any amount in between. 24-Hour Customer Service Get assistance wherever you are in the world via telephone, fax, postal mail, email or through our website. Even on weekends and holidays. Reach us now! Worldwide Acceptance Take your business and pleasure to over 16 million establishments around the world displaying the VISA logo!

UnionBank Platinum Credit Card

Platinum Concierge Be serviced by a dedicated Global Platinum Concierge on call for you 24x7 to cater to your every need. read more UnionBank Visa Platinum Club Whether you prefer pampering spa retreats, sunny beach villas or exclusive dining treats, we have five star privileges specially handpicked for you. read more UnionBank Visa Platinum Golf Who doesn’t want to get into the swing of the game every once in a while? We know you do. read more UnionBank Visa Platinum Unique Travel Everybody loves a great travel, an unforgettable adventure. We know you want to be outdoors every once in a while and feel that rush of adrenaline. read more Year-End Account Summary We want your life to be hassle-free that's why we will be providing you with a Year-End Account Summary. We allow you to see your whole year credit card spending. Now that is convenience! Travel Insurance Imagine never having to worry as you travel around the globe. Your safety is our priority. read more The Rewards You Desire We give you the rewards you desire. We let you choose among free Business and Leisure Travel, Dining and Shopping, Cash Rebate and more! Because we know that the little luxuries in life are really a necessity. read more Club Manila Lounge No matter which airline you fly, your fully-charged UnionBank Visa Platinum Credit Card lets you enjoy a relaxing stay at the Club Manila Lounge for FREE. read more UnionBank Visa Platinum Numbers to Remember read more UnionBank Platinum Elite You deserve rewards designed for your unique life experiences. With just a minimum required annual spend of at least P 10 million from January to December of each year , be a part of the UnionBank Platinum Elite. read more

UnionBank Gold Credit Card

Transfer your Rewards Points to Philippine Airline's Mabuhay Miles Frequent Flyer Program for a free plane ticket. Every P 200 purchase using your card entitles you to 1 point. What's more? 1 Point = 3 miles! So you can fly for free.fast! No Mabuhay Miles Account yet? Enroll now at www.mabuhaymiles.com.ph Who says flying is a luxury? Convert your Reward Points directly into CebuPacific tickets and take advantage of Promo Fares! Redeem your Points Now Dying to get that glowing tan? Fly to Boracay in just 35 minutes! Choosefrom so many flights to Palawan daily! Ditch that starched suit and redeem your points now! So who needs a separate mileage card? No matter which airline you fly, your fully-charged UnionBank Gold Credit Card lets you enjoy a relaxing stay at the Club Manila Lounge for FREE. Read More Help when you don’t know where to turn. You can count on a wide range of Visa Gold emergency services available whenever and wherever you need them, 24 hours a day, 365 days . Read More

UnionBank Classic Card

Installment Program Enjoy life’s little luxuries with a payment plan that offers up to 36 monthly installment terms at 0% interest. Check out Lights Installment Partners! Auto-Charge Facility It’s time you leave your worries behind. Auto-charge your utility bills to your UnionBank Credit Card Bill Manager and have your finances taken care of. Enroll Now! Balance Transfer Take a deep dive with a Balance Transfer rate of 0.99%! Apply Now! Auto-Insurance Installment Plan Finally Car Insurance Just the way you want it! Only with UnionBank’s Car Secure insurance Program! Access Now! E-mail Statement of Account Because we know you live in the fast lane, get the ultimate rush with UnionBank CyberStatement…it’s your statement of account e-mailed to you immediately after statement cut-off date. Enroll Now! Internet Access It takes only a few clicks to get your Statement of Account, Transaction Details and Account Balance. Access Now! Mobile Banking It’s an anytime anywhere text convenience! Check your card’s current and available balance, pay your credit card bill from your UnionBank savings/current account, charge your SMART phone bill to your UnionBank credit card and reload your Smart Buddy! Currently available in SMART GSM mobile phones! Enroll Now! Discount Program We’ve lined up a whole lot of discounts, perks and freebies in restaurants, shopping, leisure and service outlets nationwide. Learn More! Rewards Program Because we know your many passions, get cash rebate, free gas, free plane ticket, free dining and shopping! Simply convert your Rewards Points to whatever you fancy! Payment Convenience We give you several ways to pay: Over-the-counter in numerous UnionBank and former iBank branches nationwide, drop payment anytime, any day at selected UnionBank ATMs, transact at thousands of MegaLink(including UnionBank) and Bancnet ATM nationwide or on-line at www.bancnetonline.com if you are a BancNet ATM cardholder. If you are a UnionBank depositor, make an auto-debit arrangement from your UnionBank savings or current account or pay on-line at www.unionbankph.com Credit Life Insurance U-Protect We guarantee protection for you and your family in the event of untimely death and disability, pays up to P 400,000 of your outstanding balance. Learn More! U-Secure It’s a double financial protection for your and your family up to P400,000 paid to your UnionBank Credit Card and cash paid to you or your family in the event of total permanent disability or death. Learn More! Open Number of Supplementary Cards Because your family and friends matter to us. Share the privileges of your UnionBank Credit Card to as many qualified family members and friends, from 14 to 60 years old. Longer Credit Terms Enjoy up to 53 days Credit, 0% Interest from cut-off date to payment due date if full balance is paid For international purchases, enjoy the convenience of paying in Pesos. Cash Advance Facilities Seize more opportunities with ready cash! Flexible Monthly Payment Pay only 5% of total outstanding balance or P500, whichever is higher, or any amount in between. 24-Hour Customer Service Get assistance wherever you are in the world via telephone, fax, postal mail, email or through our website. Even on weekends and holidays. Reach us now! Worldwide Acceptance Take your business and pleasure to over 16 million establishments around the world displaying the VISA logo!

Citibank Clear MasterCard/VISA: a product review

Overview The only accessory you need for the hottest discounts, the coolest places, and the hippest lifestyle. Wear it. Swing it. Flaunt it.

Citibank Clear MasterCard / VISA You have a choice between a Citibank Clear MasterCard or a Citibank Clear Card with VISA Mini. Exclusive Discounts and Freebies Up to 30% off discounts and freebies at the hippest shops and restaurants under Citibank World Privileges. Low Monthly Membership Fee No upfront annual fee. Just a low PhP90 every month. Travel Inconvenience Protection If you charge your full cost of travel to your Citibank Clear MasterCard/VISA, you can get the following: Missed Flight Protection - Up to a maximum of PhP7,000 (traveling alone). Delayed Luggage Protection - Up to a maximum of PhP7,000 (traveling alone). Lost Luggage Protection - Up to a maximum of PhP21,000 (traveling alone). Also Available: Citibank Clear Card with VISA Mini 43% smaller than your regular card. 100% loaded with discounts. Attachable to a carry-along device (through a small corner hole). No need for wallets or purses. Convenient to bring when clubbing, malling, or hanging out with friends. Works just like a regular credit card at electronic Point-of-Sale (POS) terminals. As secure as the regular-sized Citibank Clear VISA Credit Card. Click here to see where you can get discounts and freebies with your Citibank Clear Card with VISA Mini. Click here for more benefits and privileges. Important: Cannot be used at ATMs that require card insertion or at manual POS terminals.

courtesy: citibank.com.ph

My Personal Review
I rate this card 8/10.
This card is recommended for "hip" individuals. If you are tend to go places, hang out on the city hotspots, or you simply want a "hip" card, this one's for you.

HSBC Credit Card Fees and Charges

Type of Fee Charge Visa/MasterCard Classic and RED MasterCard Visa/MasterCard Gold Mabuhay Miles Visa Classic Mabuhay Miles Visa Gold HSBC Premier MasterCard credit card Primary Card Annual Fee* P1,200 P2,400 P1,200 P3,000 WAIVED Supplementary Card Annual Fee* P600 P1,200 P600 P1,500 WAIVED Annual Mileage Rewards Program Fee (for Primary Cards) P500 per mileage program upon enrollment P500* WAIVED P500 per mileage program upon enrollment Finance Charge (computed using average daily balance) 3.5% per month (or 42% annually) 2.75% per month (or 33% annually) Cash Advance Fee 3% of amount drawn or P500, whichever is higher Minimum Amount Due 5% of outstanding balance or P500, whichever is higher Late Payment Fee 7.5% of the minimum due or P500, whichever is higher Overlimit Fee P500 shall be charged if card account is overlimit on cut-off date Returned Check Fee P300 will be charged for check payments which are returned due to reasons such as but not limited to insufficient funds, unsecured deposit, or any other reason resulting to bad faith the cardholder Sales Slip Retrieval Fee P275 for each sales slip retrieved upon cardholder's request Card Replacement Fee P400 for each replacement of lost, stolen or damaged card *First year waived courtesy: hsbc.com.ph

Shell Citi VISA Credit Card: a review

Overview
With the new Shell Citi VISA, you get the HIGHEST fuel rebate in the market.

5% rebate on Shell fuel purchases at participating Shell Stations.

Plus, enjoy these exclusive benefits:

• 0.5% rebate on non-fuel purchases.
  
• 24-Hour Nationwide Emergency Roadside Assistance for emergency towing service and minor on-site repair assistance through International SOS at 632-7000.
  
• Discounts at Shell Helix Service Center.

Travel Inconvenience Protection
If you charge the full cost of travel to your Shell Citi Classic VISA, you can get the following:

• Missed/Delayed flight Protection – Up to a maximum of P7,000 (traveling alone).
• Delayed Luggage Protection – Up to a maximum of P7,000 (traveling alone).
• Lost Luggage Protection – Up to a Maximum of P21,000 (traveling alone).

My Personal Review:
With the soaring prices in fuel, saving more than P2 per liter is quite of help. I give this card 8/10.

I don't really see any negative side on this card type, only that the 3.5% interest rate Citibank charges can now be deemed too much with the emergence of Eastwest Bank's 2.25% or the PSBank's 2.5% rate per month.

Mercury Drug-Citibank Card Free Hospital Insurance

FREE 90-day Hospital Accident Insurance Coverage
of up to P5,000

Enjoy comfort anytime with the Mercury Drug-Citibank Card. All new and existing Mercury Drug-Citibank principal cardholders are now entitled to a FREE 90-day Hospital Accident Insurance Coverage of up to P5,000 per day of hospital confinement.

Mercury Drug Citi Card: Merchant Partners

Hospitals and Medical Clinics Clinica Manila HEALTHWAY CLINILAB MEDICAL SERVICES MED CENTRAL PERPETUAL SUCCOR CEBU DOCTORS' HOSPITAL NORTH GENERAL HOSPITAL MACTAN DOCTORS' HOSPITAL SOUTH GENERAL HOSPITAL GENERAL SANTOS DOCTORS' HOSPITAL MEDICAL CITY Dr. Victor R. Potenciano Medical Center Medical Services AMERICAN EYE CENTER Asian Eye Institute ASIA RENAL CARE LIFELINE ARROWS MANILA HEARING AID Sarabia Beauty and Wellness Beverly Hills 6750 Clarity Dermaline Fitness First Body care Body & Face by Mendez Weighless Center by Mendez Others OSIM Health Today

HOSPITAL AND MEDICAL CLINICS

10% off on all laboratory and diagnostic tests FREE unlimited consultation from doctors of Family Medicine Valid until December 31, 2008 2nd floor Bldg A, SM Megamall Dona Julia Vargas Ave., Mandaluyong City Tel: 635 3877 to 80 or 633 5748

FREE Annual Physical Exam package (for Principal Cardholders only) that includes: Complete blood count Chest x-ray Routine urinalysis Routine fecalysis Complete physical exam by family medicine physician ECG (for Gold Cardholders only) Pap Smear (for Gold Cardholders only) Dental Benefits Free unlimited dental consultations 50% off on teeth cleaning 20% off on other dental procedures 20% off on laboratory tests, imaging, and ancilliary procedures For appointments, please call your preferred branch: Alabang Towncenter: 850 6721; 772 3527 Festival Mall: 850 4263 to 65; 850 4029 Fax: 850 4031 Market! Market!: 889 4425 to 30 Robinson’s Place Manila: 528 4547; 528 4556 to 57 Fax: 528 4551 Shangri-la Plaza Mall: 910 4929 to 44; Fax 910 4930 The Block SM City: 442 0340 to 44

10% discount on all laboratory & dental services for a minimum examination/treatment of P1,000 Valid until December 31, 2008 2303 Pasong Tamo Extension Makati City Tel: 812 1316 or 812 5462

10% off on total service availment for a minimum purchase of P1,500 15% off on total service availment for a minimum purchase of P 5,000 Valid until December 31, 2008 Level 1, Robinson’s Galleria, EDSA corner Ortigas Avenue, Quezon City Tel: 635 7488 to 89 or 633 4567

10% off on room accommodations 10% off on laboratory examinations (except the Executive Check-Up Program) Valid until December 31, 2010

CEBU DOCTORS' HOSPITAL 10% off on room accommodations Valid until May 31, 2010

NORTH GENERAL HOSPITAL Kauswagan Road, Talamban, Cebu City 10% off on room accommodations Valid until May 31, 2010

SOUTH GENERAL HOSPITAL Talisay, Cebu City 10% off on room accommodations Valid until May 31, 2010

GENERAL SANTOS DOCTORS' HOSPITAL 15% off on room accommodations 15% off on laboratory examinations Valid until December 31, 2010

10% off on hospitalization bills for In-Patient total bills excluding pharmacy & professional fees. 5% off on pharmacy fees For appointments, please call 635 6789.

10% off on the following services when you avail of any Executive Check-up Package: Mammography (Radiology) Bio-Z (Heart Station) 24-Hour Blood Pressure Monitor (Heart Station) 3D Ultrasound (Woman’s Heatlh Center) Tympanometry (Diagnostic Center) Biometry (Diagnostic Center) 10% off on routine laboratory tests 10% off on routine radiology (x-ray) procedures Valid until December 31, 2008 163 EDSA, Mandaluyong City Tel: 531 4911

MACTAN DOCTORS' HOSPITAL 10% off on room accommodations Valid until May 31, 2010

MEDICAL SERVICES

50% off on comprehensive eye examination inclusive of the following: Automated & Manifest Refraction - Direct Funduscopy Visual Acuity Testing - Corneal Topography Tonometry - Specular Microscopy Slit Lamp Biomicroscopy - Corneal Pachymetry 15% off on LASIK surgery Additional 10% Off for senior citizens who avail Cataract Surgery 10% off on other services Valid until December 31, 2008 Level 5, Shangri-La Plaza EDSA corner Shaw Boulevard Mandaluyong City Tel: 636 0762 or text +63917 LASER ME (+63 917 52737 63) info@eyecenter.com.ph

15% OFF on Lasik Surgery 5% Off on Cataract Surgery on top of the 20% Senior Citizen discount 10% off on other surgeries, diagnostic procedures and consultations Valid until Nov 17, 2008 Rockwell 9& 10F, Phinma Plaza Rockwell Center, Makati Tel: 898 2020 or 898 2732 Trinoma Level 1, Trinoma EDSA corner North Avenue, Quezon City Tel: 901 3931 to 32 Cel: +63 917 8972020 aei_trinoma@globelines.com.ph

10% off regular treatment rates Valid until December 31, 2008 Alabang 2nd Floor, Alabang Town Center Alabang, Muntinlupa City Tel: 807 3449 or 772 5310 ARC Pasay City Center Unit 1, Building 5, Salem International Complex Domestic Road, Pasay City Tel: 854 4272

FREE Emergency Quick Response service membership (for Gold Principal Cardholders only) Emergency Quick Response Service membership for P80 (for Gold and Classic Supplementary Cardholders). To include the whole household of the cardholder under the Emergency Quick Response, an additional: a. P150 (for Gold Principal Cardholders only) b. P250 (for Classic Principal Cardholders only) NOTE: COVERAGE IS LIMITED TO AREAS SPECIFIED IN TERMS AND CONDITIONS. Valgosons Bldg., Lifeline Arrows Compound, Km 18 East Service Road, Sucat, Paranaque City Tel No.: 16 911 Fax 839 2013 email: customercare@lifeline.com.ph

Free 1 Battery Pack/Set for every 3 Battery Packs/Sets bought Valid until December 31, 2008 Quezon City 24 Quezon Avenue, Quezon City Tel: 712 3630 or 712 3623 Manila 4/F Manila Astral Tower, Taft Avenue corner Padre Faura, Manila Tel: 521 5726 North Edsa 5/F, The Block, SM City North Edsa Quezon City Tel: 442 0047 Makati 3/F Glorietta 3, Ayala Center, Makati City Tel: 817 2756 Cubao Unit 4B, Ground Floor, Rustan’s Commercial Complex, Cubao, Quezon City Tel: 911 1528 Mandaluyong 5th Floor, Building A, SM Megamall Mandaluyong City Tel: 633 6039 Mall of Asia Unit 204, South Mall Parking SM Mall of Asia, Pasay City Tel: 556 0589 Alabang Unit L3-A, Service Town, Alabang Town Center Muntinlupa City Tel: 809 3902

20% off on ordinary lenses 10% off on special lenses (Progressive & Transition lenses) Up to 15% off on selected Frames & Sunglasses on regular priced items FREE computerized eye examination Valid until May 7, 2008 Branches: Alabang Town Center Festival Mall Glorietta 4 Greenbelt 1 Market! Market! Pavilion Mall Robinson’s Place Ermita Robinson’s Place Galleria Robinson’s Place Imus Robinson’s Place Lipa, Batangas Robinson’s Place Los Banos Robinson’s Place Novaliches Robinson’s Metro East Robinson’s Place Sta Rosa SM Dasmarinas SM Fairview SM Lucena

BEAUTY & WELLNESS

10% Off on the following treatments: Thermage Tissue tightening for face & neck Intravenous Glutathione Teeth Whitening Beverly Hills Age Defying 5 Treatment Faxel Laser Re-Surfacing E-Max FotoFacial-RF Skin Rejuvenation Valid until December 31, 2008 11/F 6750 Building, Ayala Avenue Makati City Tel: 893 8888

FREE consultation with dermatologists, surgeons, aesthetic dentists (for Principal Cardholders only) 20% on all services FREE gift pack (on first visit only) Branches: Robinson’s Place Manila G/F Padre Faura Entrance Tel No. 528 4547 to 48; 528 4551 to 54 Shangri-la Plaza Mall 5th level, Wellness Zone; Tel No. 910 4955 to 63 5L The Block SM City 442 0339 to 44

40% discount on the following services: Painless Wart Removal Skin Bleaching Body Tranquil Bleaching (per session) Underarm Bleaching (per session) Skin Peeling Face (5 sessions) Arms (5 sessions) Legs (5 sessions) Underarm (per session) Upper body (front & back) Skin Yoga (body nourishing bleach w/ scrub) Skin Abundance (body scrub w/ sugar & milky wash) Valid until December 31, 2008 Bacolod City Unit 218-219 Bridgeway, SM City Poblacion, Bacolod City Tel: +034 468 0200 or 433 2123 Cebu City 101 Worldwide Bldg. Juan Luna Ext. cor. A. Soriano St. Mabolo, Cebu Tel: +032 232 9880 Paranaque City Unit 101 Ground flr. Greenworld Plaza Presidents Ave. Teoville Subd. Paranaque City Tel: 541 3329 or 809 7759 Quezon City 31 Sct. Reyes St. cor. Sct. Lozana St. Brgy. Paligsahan, Q.C. Tel: 374 4865 or 374 5019 Acropolis, Libis 2nd/F. KAVI Bldg. I E. Rodriguez Ave. Acropolis, Libis Tel: 421 1569 or 912 6177 Ayala Ave. Makati City Rm. 710 7th flr. National Life Insurance Bldg. Ayala Ave. Makati City Tel: 892 5659 or 892 5661 EDSA Central Pavillion Unit 302 Edsa Central Pavillion Shaw Blvd. Mandaluyong City Tel: 631 4941 or 638 8417 Guadalupe, Makati City 2nd flr. ADCA Bldg. F. Yabut St. Guadalupe, Makati City Tel: 882 1770 or 752 0567

Waived joining fee Up to 25% off on monthly dues (Existing Fitness First members may only avail of this offer after they have completed their minimum required term with Fitness First). Branches: ABS-CBN Alabang Eastwood City Fort Bonifacio Greenhills Ortigas Robinson’s Metro East Robinson’s Place Manila RSC Makati Ayala Center Cebu SM Fairview SM Southmall SM North Edsa SM Pampanga

20% off on all services FREE gift for every P2,000 worth of products purchase Branches: ABS-CBN Alabang Eastwood City Fort Bonifacio Greenhills Ortigas Robinson’s Metro East Robinson’s Place Manila RSC Makati Ayala Center Cebu SM Fairview SM Southmall SM North Edsa SM Pampanga

10% Off on Facial and Spa services 10% Off on Products Valid until December 31, 2008 Angeles 2nd Flr., Nepo Mall, Angeles City Tel: +045 625 9739 Cabanatuan 2/F, Mega Center, The Mall, Melencio St. Cabanatuan City Tel: +044 464 3018 Farmers 3rd Flr., New Farmers Plaza, Cubao, Quezon City Tel: 595 0963 Glorietta 2 1st Flr., Gold Crest Bldg., Glorietta 2 Makati City Tel: 894 1741 Metropoint 5th Flr., Metropoint Mall, Taft Ave., EDSA, Pasay City Tel: 832 5527 Robinsons Metroeast 3rd Level, Robinsons MetroEast, Sumulong Highway, Cainta Rizal Tel: 581 4712 Starmall Shaw 3rd Flr., Starmall, EDSA Cor. Shaw Blvd., Mandaluyong City Tel: 726 0877 Walter Mart 2nd Flr., Walter Mart, Chino Roces St., Cor Arnaiz St., Sta Cruz, M. M. Tel: 844 8615 SM San Lazaro Lower Ground, SM San Lazaro, F. Huertas Cor., A.H. Lacson St., Sta Cruz, M.M. Tel: 741 7792 SM Valenzuela 3rd Flr., MCArthur Highway, Karuhatan Valenzuela, Metro manila Tel: 293 1527 Eastwood City C1 City Walk, Eastwood City, Libis Quezon City Tel: 912 6793

10% Off on Facial and Spa Services 10% Off on Products Valid until December 31, 2008 Davao 2/F Sm Davao, Quimpo Blvd. Davao City Tel: +082 296 0451 Fairview 2nd Flr., SM Fairview Annex, Quezon City Tel: 937 7463 Market Market 3rd Flr., Market Market Mall, Fort Bonifacio Tel: 886 7588 Roces 31 A. Roces Ave. Paligsahan, Quezon City Tel: 373 3365 or 371 8886 to 87 SM Megamall 5th Flr., Building A SM Megamall, Mandaluyong City Tel: 687 2577

OTHERS

5% off on Massage Chairs and Foot Massagers Valid until May 7, 2008 Branches: Alabang Town Center Greenhills Podium Rockwell Rustan’s Makati SM Megamall

5% off on subscription to either "HealthToday" or "MomsToday" magazine Valid until March 31, 2008 Call 886 0333 loc: 112 or 115 Fax no: 886 0350