AMENDMENTS TO THE PLAN RULES OF THE PNB INSTITUTIONAL FUND AND THE PNB ENHANCED PHILINDEX REFERENCE FUND

Dear Valued Investors,

We wish to inform you that we have updated the product features of the PNB Institutional Fund in order to enhance the fund’s competitive position and to make it more attractive to target participants. We have likewise amended the investment strategy and reduced the management fee of the PNB Enhanced Phil-Index Reference Fund (EPRF) in order to improve its performance and to maximize its potential returns. These revisions, which are summarized below, have been formally approved by the Bangko Sentral ng Pilipinas (BSP) last March 19, 2018.

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AMENDMENT OF PRODUCT FEATURES OF THE PNB UNIT INVESTMENT TRUST FUNDS (UITFs)

Dear Valued Investors,

We wish to inform you that we have updated the product features of the PNB Unit Investment Trust Funds (UITFs). These changes will make investing in PNB UITFs more convenient for you and provide you with greater control over your finances. Please find below the summary of revisions which have been approved by the Bangko Sentral ng Pilipinas on February 22, 2018. Please take note that these enhancements will take effect on May 28, 2018, to give you ample time to appreciate and adjust to these changes and their impact on your investments.

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SSS OVER-THE-COUNTER PAYMENTS

To Our Valued Clients,

Please be advised that due to SSS-mandated requirements, PNB branches will temporarily not accept over-the-counter (OTC) payments for SSS starting May 8, 2018 until further notice.

Kindly pay directly at the nearest SSS branch.

We apologize for any inconvenience.

Thank you.

Tax Rate Increase for Banking Transactions

Pursuant to the enactment of Republic Act (RA) No. 10963 on Tax Reform for Acceleration and Inclusion (TRAIN)

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