Promo Mechanics:

I. Qualification:

1. The program is open to the following active PNB Cardholders:

a. PNB-PAL Mabuhay Miles World Mastercard
b. PNB-PAL Mabuhay Miles Platinum Mastercard
c. PNB-PAL Mabuhay Miles NOW Mastercard

II. Promo Period and Offer/s:

1. Promo period is from May 18, 2022 to November 18, 2022.

2. The spend-to-point conversion on the following products shall apply within the promo period:

3. PNB-PAL Mabuhay Miles World Mastercard cardholders with P30 = 1 point conversion shall continue to enjoy the same spend-to-point conversion.

III. Terms and Conditions:

1. PNB Card should be active during the promo period.

2. The earned points of the supplementary cardholder are pooled under the account of the principal cardholder.

3. Points are non-transferrable.

4. Qualified installment amortizations billed within the promo period are qualified for this spend-to-point conversion offer. Outstanding amortizations not yet posted to the account will not immediately earn points.

5. All matters and disputes will be subject to the final decision of PNB. All decisions made pertaining to the promo, in concurrence with the DTI, will be deemed final.

6. The PNB Credit Cards’ Rewards Program Terms and Conditions and the Terms and Conditions Governing the Issuance and Use of PNB Credit Cards are incorporated herein by reference and made an integral part thereof.

Per DTI Fair Trade Permit No. FTEB-143280 Series of 2022.