Program Mechanics:

I. Qualification:

This promo is open to all active PNB Credit, Debit, or PrepaidCardholders.

II. Promo Period and Discount:

Promo runs from July 20, 2022 to December 31, 20222.Cardholders are entitled to:

III. How to Avail of Discount:

The Cardholder must charge the total amount to his/her PNB Card in a single-receipt transaction.

IV. Terms and Conditions:

1. The Promotion is non-transferable, non-cumulative, cannot be exchanged for cash or other products, and cannot be used in conjunction with any other discounts, promotions, discounted items and fixed price items, unless otherwise stated.

2. In the purchase of goods and services which are on promotional discount, The Senior Citizen can avail of the promotional discount or the discount provided under the Expanded Senior Citizens Act of 2010,whichever is higher.

3. All matters and disputes will be subject to the final decision of PNB and its partner merchant in concurrence with DTI, will be deemed final and irrevocable.

4. Any amendment in the terms and conditions is subject to DTI approval.

5. The Terms and Conditions governing issuance and use of PNB Credit/Debit/Prepaid Cards are incorporated herein by reference and made an integral part hereof.

Per DTI Fair Trade Permit No. FTEB-147353 Series of 2022.