Financial program: Credit extra; Filipinos age 21 to 65 with home or business address in the bank’s service regions; P20,000 to P2 million; 1.28% to 2.15% per month (subject to bank’s approval); loan maturity 6 months to 4 years; payable through any Bancnet ATM; cash or check at SM payment centers; accredited banks and any Standard Chartered Bank branch; the Internet via Bancnet online or phone banking.

Collateral/security: None

Requirements: Borrower must have a minimum gross annual income of P180,000; borrower must have and office landline telephone and either a home landline phone or mobile phone; borrower must be a credit card holder (may not be of the bank but of other financial institution); documents:
a.) employed completed application form; any unexpired valid ID; proof of income (latest credit card statement, certificate of employment, pay slip, or latest ITR or W2)

b.) self-employed completed application form; any unexpired valid ID; DTI business registration or incorporation papers; latest audited financial statements; latest ITR

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