LEC Simplified Credit Policy Presentation_SALES_FAQs_revised as of Dec 2011

8/3/2019 LEC Simplified Credit Policy Presentation_SALES_FAQs_revised as of Dec 2011

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LEC CREDIT PARAMETERS


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I. INDIVIDUAL APPLICATIONS

1. General Requirements2. Required Documents3. Proof of Identification

POID validation1. Proof of Billing

POB validation1. Proof of Income

POI requirements1. Important Reminders2. UPSELL and Cross Sell application3. Additional Notes on Credit Policy4. Suntel

Suntel 350 with free handset

Suntel 499 Business Center Approval

II. CORPORATE APPLICATIONS

1. Requirements2. Proof of Income

III. APPROVAL MATRIX

TABLE OF CONTENTS


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INDIVIDUAL / RESIDENTIALAPPLICATIONS


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GENERAL REQUIREMENTS

1. Applicant must be at least 18 years old.

2. Completely filled-out and signed application form/s (with AccountNo. and OR No. (representing payment of OTC and deposit) With Account no., and OR no. pertaining to PADS

3. Completely filled-out and signed test & site survey form/s orwaiverform/s (for DSL/Voice Services/Sun Tel) or List of areas withavailable facilities to be provided by ANU (not applicable to SunTel)

4. Landline/Cellphone numbers (residence, business, supplementalnumbers)

5. Billing Address/Sketch (perforated portion in the ADS)

6. Valid Requirements (POID and/or POB/POI)

7. All erasures on the ADS must be countersigned by applicant

What are the requirements needed when applying for a Digitelservice?


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REQUIRED DOCUMENTS

If youre applying for Voice only and DSL, youonly need to submit a primary ID or 2secondary IDs.

To have the NDD/IDD feature activated,a POB document is also required.

Can I just submit a POID only?

However for multiple lines application,submission of POI is required.


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PROOF OF IDENTIFICATION

1. Passport(Considered as primary ID when its the old passport but not expired,

considered as secondary if new passport; new passport has no signature)

2. Phil. Drivers License (Card Type Only)

3. Locally Issued Major Credit Card with picture

4. SSS / GSIS / TIN ID / Unified ID (Card Type Only)

5. PRC / IBP ID (Card Type Only)

6. Laminated Company ID (Top 5000 Corp)

7. Permit To Carry Firearm ID (Card Type Only)

8. Exclusive Membership Card with Picture

9. New Voters ID

10. ACR / Permit to Stay for foreigners

PRIMARY IDS-Any one of thefollowing:

Which IDs are considered PRIMARY?


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1. Company ID (not belonging to Top 5k Companies)

2. Credit Card without picture/ATM Card

3. POEA-OCW Dependents Card /Veterans ID4. GSIS / SSS / TIN computer printout5. Temporary Drivers License with LTO License Official Receipt6. NBI or Police Clearance / Postal ID / OLD Voters ID

7. Government employee ID

8. Validated School ID (Graduate/College), If applicant is a student

9. Membership Card (non exclusive Clubs) /Health Insurance

10. Senior Citizen ID

11. Firearm License ID (Card Type Only)

NOTE: One ID must have picture but both IDs should have signature

SECONDARY IDS-Any two of the following:

PROOF OF IDENTIFICATION

If none of my IDs are considered primary, which IDs are accepted asSECONDARY?


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POID Validation Guidelines

What do I need to do in the following scenarios?

If the name of subscriber in POID differs from the name inthe application form (alias, nickname, no second name, Jr. ,III, etc.)

Secure another ID or notarized affidavit of discrepancy In cases where HR is not the only authorized signatory of ID

ID is acceptable as long as with call-out validation.

If name used in application form is married name, while IDsubmitted shows maiden name

Secure another ID under married name or a copy of marriagecontract


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POID Validation Guidelines

ID Only is submitted, with PEF allowedConduct call out to subs to confirm subscription and to a 3rd party to validate continuingcapacity to pay. This applies to the ff products:

a. Regular Wired Landlineb. DSL Plus/ Easy DSLc. Regular Business DSLd. Supple 249

e. Easy Suntel 350 SIM Only frontline approval only, AO will just check for outstandingbalance prior S/O; no AO call-out required

ID Only is submitted, no PEF allowed (meaning, ACMD approval only)Conduct call out to subs to confirm subscription and to a 3rd party to validate continuingcapacity to pay. This applies to the ff products:

a. Triple Unlimited Plansb. 3-in-1 Business DSL/ Bus DSL with FEX/ Bus DSL with WiFi Hotspotc. Voice Bundle (Talk Unlimited)d. Other offers with Free Phones

ID, POB/POI* are submittedConduct call out to subs to confirm subscription and to a 3rd party to validate continuingcapacity to pay. POI/POB requirement cannot be covered by a PEF signed by the BDM.

This applies to the ff products:

a. Phonetastic/ Suntel 350 c. SBWb. Suntel 499 (with Free Phone)

What ACMD procedures are followed when:


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PROOF OF BILLING

1. Utility Bills Electricity Water Telephone

Cable / Internet

2. Credit Card SOA

3. Insurance Premium SOA

4. Exclusive Club Membership Bill

5. Bank Statement

6. Competitors SOA

Which documents can be submitted as Proof of Billing?


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POB Validation Guidelines

Require proof of payment if (ONLY for SOA under applicants or immediate

familys name)

account is more than 60 days SOA has a notice of disconnection/suspension/cancellation /

redirection or advises of additional charges such as collection fees

SOA indicates Pay Immediately and O/S bal > 90% of the creditlimit

Do I also need to present a proof of payment if I will submit a SOA as proofof billing?

Require Business Permit to establish affiliation if POB presented is under

subs business / company

Note: If applying under business name and no business permit

presented, can be accepted but will be treated as individual

account or under the name of the owner

Can I just submit the first page of last months SOA?

As a general rule, ALL pages of the LATEST SOA should be presented. It

should not be more than 45 days old at the time of application based

on Statement dateWhat additional documents do I have to submit if I will submit POB under

my company?


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What are the needed additional requirements if I submit a SOA underthe name of an immediate family member?

Secure Certificate and ID

Sibling: Birth/ Baptismal Certificate of both siblings

Parent: Birth Certificate

Spouse: Marriage ContractOR

2 IDs bearing the same address, submission of 1 valid ID is notallowed.

What are the needed additional requirements if I submit a SOA under a

landlords/TP (Third Party) name: (renting / leasing)?

Secure certificate / letter and ID of lessor and contact number

Stating subs is a resident of subject address &

Lessor authorizes use of his address as the billing address

Contract of lease, preferred but NOT mandatory

OR

POB Validation Guidelines


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PROOF OF INCOME

1. ITR BIR Form 2316 w/ original payslips for 2 latest half-month pay periods

2. Original Certificate of Employment w/ original payslips for 2 latest half-month pay periods

3. Locally issued credit card statements

4. Electric, water, cable bill

5. Phone bill (landline and mobile)

6. Existing LEC/GSM

7. Bank statement, certification or passbook

8. Monthly Budget Allocation/ Certificate of Fund Availability (forgovernment applications)

Which documents can be submitted as Proof of Income?


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POI REQUIREMENTS SUNTEL

Note: 1. For ACMD / ASH approval only2. POB/POI/POID required

*SunTel 249: First line only requires a postpaid line that is current and in good credit standing.*Easy 350/350 LIte: POI is not required, even for multiple line application, but may be subjected to ACMD approval.*SunTel & SunTel GO: POI may be cumulative (e.g. utility bill + electric bill).

What is the minimum income required in applying for Suntel plans?

What is the minimum usage required for a POB/POI to be accepted?

Is there a minimum requirement of credit limit if I will submit SOA asproof of billing?


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POI REQUIREMENTS SUNTELupdated as of Nov 2011


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POI REQUIREMENTS Triple Unlimited

Note: For ACMD / ASH approval only

1st line under ID-only policy; succeeding lines will require POI

POB required if with NDD/IDD access

What is the minimum income required in applying for Triple Unlimited?

Plan
http://c/Documents%20and%20Settings/JTReyes/JTReyes/Local%20Settings/Temporary%20Internet%20Files/OLKCB/LEC%20POI%20Matrix.xlshttp://c/Documents%20and%20Settings/JTReyes/JTReyes/Local%20Settings/Temporary%20Internet%20Files/OLKCB/LEC%20POI%20Matrix.xls


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POI REQUIREMENTS PowerBundles

Note: PEF of BDH/BCM may be applied for non-POI concerns; ACMD approval only if with free handsets / wifi /modems / printers

1st line under ID-only policy; succeeding lines will require POI

What is the minimum income required in applying for Bundled DSL?

What is the minimum usage required for a POB to be accepted?

Is there a minimum requirement of credit limit if I will submit SOA as proof of billing?


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POI REQUIREMENTS Pure DSL

Note: PEF of BDH/BCM may be applied for non-POI concerns; ACMD approval only if with free

handsets / wifi / modems / printers1st line under ID-only policy; succeeding lines will require POI

What is the minimum income required in applying for Pure DSL?


Is there a minimum requirement of credit limit if I will submit SOA as proofof billing?


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POI REQUIREMENTS DSL w/ FEX

Note: FEXLINE for ACMD approval only


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POI REQUIREMENTS Triple Unliw/ FEX



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POI REQUIREMENTS DSL PlusBIZWATCH

Note: BIZWATCH for ACMD/ASH/SMAA approval only


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POI REQUIREMENTS WIREDLANDLINE

What is the minimum income required in applying for WIRED LANDLINE


Is there a minimum requirement of credit limit if I will submit SOA as proofof billing?



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LOWERED POI GUIDELINES

1. Reduced POI should only apply to single applicants, preferably with permanent residence or notrenting/boarding.

2. Reduced POI may be applied to married applicants provided both spouses are working. Each spouseshould be earning the minimum salary required for the applied line

3. If spouse has own business, income from business should be at least the min. income required andvalidated

4. Must be residing or working in the same province.

5. With 80% net take home pay

6. If working in NCR and residing in the province or vice-versa, income requirement will be whichever ishigher.

7. Lowered income parameters may be used to avail (1) one Plan only; if applying for multiple lines,regular income and incremental matrix will be pplied

8. Existing line availed under the Lowered Income should not be used by Frontliners in any BC-Levelapproved parameters

9. ACMD APPROVAL IS STILL REQUIRED FOR PLAN WITH FREE HANDSETS


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APPLICATION ISSUES EASY REQUIREMENTS

CROSS-SELL SUBSCRIBER

a. Delinquent landline subscribers not due to QoSissues

Present valid ID Pay the outstanding balance in full

Renew contract for 12mos.

Pay the difference of new and old MSF

NEW SUBSCRIBER

a. Cannot establish capacity to payb. Unsuccessful validation call-out

(cannot be reached; person not available)

Present valid ID

Pay OTC:

P500 for regular plans

P500 for Triple Unli

Pay 2 months deposit

Easy DSL requiremen

Additional Guidelines:

1. DSL applications by a company, under a company name and without CSC are accepted as long as it isEASY DSL signed by the admin manager / admin officer / admin supervisor / admin head orowner/president. NO CSC is required

2. DSL applications under an INDIVIDUAL INSTALLED IN A COMPANY are acceptable as long as its is Easy DSL

signed by the admin manager / admin officer/ admin supervisor / admin head or owner/president. NOCSC is required & NO BUSINESSDOCUMENTS are required because application is under INDIVIDUAL.(Source:Addendum to BC Advisory 0210_023 sent April 26, 2011)


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Easy Triple Unlimited

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TARGET MARKET:1. Applicants with no POB and/or POI2. Applicants who are not willing to provide income

documents3. Applicants who cannot provide other reference

contact numbersAPPLICATION REQUIREMENTS:A. NEW SUBSCRIBERS1. Applicant must submit one (1) valid primary ID or

two (2) valid secondary IDs.2. Applicant must pay the one-time charge of

P500 and deposit equivalent to two monthsMRC.

3. Activation Officer will only conduct one post-salecall-out.

4. POB will only be required for NDD/IDD access.

B. CROSS-SELL (Delinquent not due to QoS) Delinquent landline subscribers must:

a. pay at least 50% of outstanding balanceb. sign a promissory note to pay remainingbalance

in three monthsc. renew contract for 12 months

2. Outstanding balance must be fully paid to requestfor NDD/IDD access.

MECHANICS:

Subscribers underEASY TRIPLE UNLI arenot qualified to avail ofthe new phones.

Subscribers get a free

LG GS 108 or Nokia1616.

Subscribers withbandwidth of 1.0 Mbpsand higher can avail ofthe Wi-Fi modem

router for P1,050(outright payment).

Lock-in period is 12months.


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Important Reminders

ID-ONLY POLICY IS APPLICABLE FOR SINGLE LINE ONLY. Localaccess only. Activation of CMTS/NDD & IDD requires submission ofPOB. For Multiple lines (two or more lines), processing and policyfor regular plans shall be applied.

ID-ONLY POLICY DOES NOT INCLUDE CORPORATE, GOVERNMENT,

BUSINESS AND MULTIPLE LINE APPLICATIONS. These applicationsshall require submission of corporate/government/businessdocuments and will follow regular policy and processing.

POI documents is required for Multiple Line Applications

Sales is allowed to endorse these applications as SATS

ADS must be completely filled up and signed by the applicant.Photocopied ADS shall not be accepted by AOs.

Items not included in the credit policy shall require deviationapproval. Please see deviation matrix.

UPSELL d CROSS SELL


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UPSELL and CROSS SELLAPPLICATION REMINDER

As a general rule, ADS must be signed by the subscriber with 1 valid POID

What are the needed requirements for UPSELL application thrurepresentative?

the ADS is completely filled-out and signed by the subscriber

The representative has to present authorization letter signed by the subscriber

1 valid ID of the subscriber and 1 ID of the representative

In the case that the account holder is working abroad and application is signed by the spouse;

signed authorization letter from the subscriber, similar to a SPECIAL POWER OF ATTORNEY isrequired

Existing account/s must be CURRENT on the time of UPSELL

What do I have to submit if I already have an existing Digitel line under thename of a parent or the spouse working abroad, but no authorizationsecured from the owner of the line and will be used for up sell to BIDA?

The applicant is required to submit birth or marriage certificate to establish the relationship.

The applicant should be of legal age, capacity to pay should be verified by AO thru call out.

Call-out is still required to validate the application for UPSELL and Cross Sell

Upgrade and upsell of ADSL, all plans, should be included in the Daily Status Reports of the AO.


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Revised Parameters for Cross Sell

Should be current at the time of cross sell application

Should have no record of delinquency or FP in the last 6 months

Waived deposit

Applicable only forDSL cross sell program.

CLARIFICATION to Cross Sell:

Existing account for Cross Sell should be at least 6 months on books. If less than 6 months, for deviation approval of CMD

If account for Cross Sell has FP history within the last 6 months, will no longer requirepayment of 2 months deposit, for as long as the account is current at the time of

application.

Waived OTC and deposit for postpaid landline

Approved by Ms. Arlene on Feb 17, 2010

CLARIFICATION to Upsell:

Upgrade in bandwidth or plan resulting to an increase in MRC, incremental deposit is also waived, for

as long as the account is current at the time of application and at least 6 months on books. Approved by Ms. Arlene on Feb. 24, 2010

Advised thru email on Feb 26, 2010


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Additional Notes on Credit Policy:

What are the requirements if I already have an existing Digitel Prepaid Account and Iwant to apply for postpaid service?

If single line, require to submit POID and/or POB(if with IDD/NDD)

If multiple lines, require to submit POID, POB and POI

Pay MSF only; OTC is not required

What are the requirements for foreign applicants? (e.g. Koreans , Chinese, Americans,

etc.) ACR is mandatory, maybe replaced by Permit to Stay.

In the absence of the 2 documents, required to settle 4 months deposit

If I reside in a blacklisted area, can I still apply?

- For applicants located in the confirmed blacklisted area, application must be approved by CMDHead, after consultation with LEC Fraud Risk Management.

What do I have to submit if I already have an existing Digitel line under the name of aparent or the spouse working abroad, but no authorization secured from the owner ofthe line and will be used for up sell to DSL?

The applicant should be of legal age, capacity to pay should be verified by AO thru call out.

The applicant is required to submit birth or marriage certificate to establish the

relationship.


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Additional Notes on Credit Policy:

What is the policy in handling 31-60 DPDs of existing LECaccounts?

No Payment Required if: Account is at least 1 year on books

No history of FP,TD,DC and RC from Delinquency within the last 6 months


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BUSINESS CENTER APPROVAL

BC Level approval allowed

1. Current at time of application

2. AMSF

1. Required to submit: AD

2. Proof of ID

For AMSF to be waived, subscriber must be:

1. 6 months on books

2. No record of delinquency or FP in the last 6 months

LEC BC front liners to do validation for walk in applicants of the following:

Suntel 249 supple

Easy Suntel 350 line only

Easy DSL

For 350, SunTel 350 Line-only (with NDD/IDD) or Easy SunTel 350 (purely local calls only)

are also subject to BC approval only

What are the requirements when applying for Suntel 249 in thebusiness centers?


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BUSINESS CENTER APPROVAL

Frontline may approve upsell to DSL Plan 888 (512 Kbps), DSLPlan 999 (768 Kbps), DSL Plan 1199 (1 Mbps) and Plan 1799(2Mbps) if:

Account is at least 6 mobCurrent (0 to 30) at the time of upsellNot FP/TD/DC and Reconnection from TD/DC in the last 6 monthsMaximum upsell up to 2 lines only

Can BC approve upgrade of MRC and Bandwidth?


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CORPORATE

APPLICATIONS

CORPORATE REQUIREMENTS


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CORPORATE REQUIREMENTSWhat documents are required for companies who wish to

apply?


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Latest Income Tax Return (ITR) with Audited Financial Statement ismandatory for Non-Top 5000 corporations

*With BIR Stamp if there was no Income Tax Due, OR

*Official Receipt to show proof of payment of Income Tax

3 months Bank Certification or Statement with ADB is considered assecondary/additional POI only

* Account should be at least 6 months old at the time ofapplication* Certificate or statement must be updated at the time ofapplication

PROOF OF INCOME (Corporate)

What are the guidelines for corporations when submitting POIdocuments?


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APPROVAL MATIX


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DEVIATION APPROVAL MATRIX

A. SINGLE-LINE SUBS

DEVI


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3. Documentary Requirements

3.1 Waiver of submission of Proo3.2 Waiver of submission of Valid

3.3 Waiver of submission of Proo

Proof of ID

3.4 Expired ID (no other valid IDs

C. MULTIPLE LINES SUBSCRI



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Multiple Line, FEX Line Applicati

3.22 For multiple line application, 4

new and existing accounts, regardle

the existing accounts, will require val

Management.3.23 All FEX line applications, new

accounts, regardlessof theagingof



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Existing Proposed

Approval Limit Individual Business (Non- D1) Individual Business (Non- D1)

No. of Lines No. of Lines No. of Lines Credit Limit No. of Lines Credit Limit

AO 2 2 2 6,000 2 6,000

Activation Team Leader 3 3 3 10,000 3 10,000

Activation Manager 3 3 4 15,000 4 15,000

Activation Head 3 3 5 30,000 5 30,000

CMD Head 3 3 6 75,000 8 100,000

ACMD Head 4 and above 3 9 100,000 9 120,000

EWRMG Head 4 and above 10 & above 100,001 &above

10 & above 120,001 &above


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NEW BANDWIDTH APPROVAL MATRIX

- Applicable for consumer and business ADSL.

- Multiple line approval matrix will still apply.


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If the >61 dpd balance exceeds Php 100,000, approval on deviation on A/R Delinquency:

APPROVAL ON DEVIATIONS FOR LEC

Approved and implemented on January 17, 2008, copy of memo provided to all concerned

For Residential, Business or Government applications, regardless

of the no. of lines:

Endorsed by: EWRMG HeadApproved by: LEC BU Head


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How to AccomplishApplication for

Digitel Service Form


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Sales ReasonCode: ex. 320 for

Triple Unlimited

Signature ofapplicant orauthorizedsignatory forbusiness/government serviceapplication


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To be filled out byapplicant under

Residential/Individual.

Details for Businessand Governmentapplications shouldNOT be writtenhere.

Applicants Personal Detail


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Employment/

business andpersonal referencedetails of the person(individual /residentialapplication)applying for theservice

Employment/ BusinessInformation (1)

[for residential application]


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To be filled out byapplicant underBusiness/Government: Fields tobe accomplishedshould be BusinessName up to Telephone

Number ONLY.***Other details not tobe filled out

Employment/Business Information

(2)[for business/govt applicatio


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To be filled out byBusiness/Government:

Employment/ businessdetails of the business/governmentagency/unit applyingfor the service,including details ofauthorized signatories

BusinessVerification Details(for Bus & Govt)


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END OF PRESENTATION