Promo Mechanics:

I. Qualification: Promo is open to all active PNB Credit cardholders.

II. Promo Period and Offer/s:

1. Promo runs from February 1 to 14, 2021.

2. Up to 40% discount on selected Fine Jewelry pieces from Rustan’s Silver Vault.

3. 0 % interest up to 36 months for a minimum purchase of P100,000.

4. Participating stores:

• Silver Vault – 2^nd level, Rustan’s Makati

• Silver Vault – 2^nd level, Rustan’s Shangrila

• Silver Vault – 1^st level, Rustan’s Alabang

• Silver Vault – 2^nd level, Rustan’s Cebu

III. Terms & 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. All matters and disputes will be subject to the final decision of PNB and Rustan’s in concurrence with DTI, will deemed final and irrevocable.

3. The Terms and Conditions governing the issuance and use of PNB Cards are incorporated herein by reference and made an integral part hereof.

Per DTI Fair Trade Permit No. FTEB-112927 Series of 2021.

ZAPP (0% Interest) Promo Mechanics:

1. The offer is open to all active principal and supplementary PNB issued credit cards in good credit standing except Corporate Cards.

2. Promo runs from February 1 to 14, 2021.

3. Minimum purchase (single receipt) requirement:

4. 0% interest is subject to bank approval and shall apply if the total outstanding balance is paid in full.

5. The monthly installment amount shall be posted as a regular transaction on the credit card account and shall form part of the total outstanding balance. Should the cardholder choose to pay only a portion of the total amount due but not less than the minimum amount due, the monthly installment shall be subject to the regular finance charges.

6. Cardholder may request to charge the full amount of the remaining unbilled amortization subject to PNB’s approval. A processing fee of 5% of the total balance or Php 500, whichever is higher shall be charged to the cardholder’s account. The unpaid total installment amount plus the applicable fees will form part of the outstanding balance and subject to monthly finance charge.

7. All 0% installment transactions posted in the Cardholder’s account shall earn Rewards Points/Miles. Points/Miles will be reflected in the SOA upon posting of the monthly amortization.

8. Failure to pay any two (2) consecutive minimum amount dues shall constitute default and the total outstanding balance shall immediately become due and demandable.

9. Cardholder acknowledges his/her liability to PNB for the installment purchases and will form part of the cardholder’s obligation to PNB.

10. This promo cannot be used in conjunction with other promotions.

11. All installment purchases are subject to the Terms and Conditions governing issuance and use of PNB credit cards are incorporated herein by reference and made integral part hereof.

12. In case of dispute, PNB has the final decision upon approval of DTI.

Per DTI Fair Trade Permit No. FTEB-112926 Series of 2021.