VISA x LAZMALL CHRISTMAS OFFER

Promo Period: November 12 to December 30, 2021 1. The Promotion is open to all issuers banks of active Visa Principal or Supplementary Credit, Debit and Prepaid Cardholders. 2. Promo Offer: Shop at Lazada using your Visa card this Christmas season and enjoy Php 100 OFF on LazMall items! • The Promo is valid on regular and sale items from LazMall sellers at Lazada. • Purchase must be made on select dates from November 12, 2021 12:00 am to December 30, 2021 11:59 pm Philippine time, except on December 12-14. • Discount applies with a minimum spend of P2,500, charged to Visa Credit, Debit and Prepaid Card. Discount is capped at P100. • Discount can be availed through a voucher code to be applied on purchases in Lazada and is open to new and existing Lazada customers. Customers should use the voucher code VISAXMAS100 to avail the discount. • Discount will apply when the voucher is entered at the Payment Page and the eligible Visa Credit, Debit and Prepaid Card is selected as the payment option. Customer must check if voucher is applied before proceeding to final check-out. • Discount is not applicable to digital goods, stores with digital goods product/s, milk products for 3 years old below (under the Milk Code) and other goods from blacklisted sellers set by Lazada. 3. Purchase must be made using an eligible Visa Credit, Debit and Prepaid Card on select dates from November 12 to December 30, 2021. 4. Payment codes cannot be used with other collectible or static code discount vouchers. 5. Transaction must be made within the Promo Period to avail of the Promo. 6. The Promo is valid at Lazada Philippines Smartphone mobile app and website. HOW TO AVAIL 1. Open the Lazada website (www.lazada.com.ph) or download the Lazada app for free via App Store for Apple users or Google Play store for Android users. 2. Select the item/s you wish to purchase then click “Add to Cart”. Prepare your card details for the transaction 3. Click the Shopping Cart icon on the right, topmost portion of the screen to view all the items on your Shopping Cart. 4. Select the item/s you wish to purchase and once you have reviewed the items on your Shopping Cart, click “Check Out” 5. Input the voucher code on the checkout page to apply the discount. Enter your shipping and billing information and select the credit card as payment method. 6. Enter your Visa Credit/Debit/Prepaid Card details and make sure to check if the discount was applied to total billing before proceeding to place the order. 7. Click “Place Order” to complete the transaction. TERMS AND CONDITIONS: 1. Discount can be used up to 5x throughout the valid promo period. 2. Discount is applicable to all Visa Credit/Debit/Prepaid Cardholders. Maximum discount is P100. 3. Discount is applied automatically at the checkout only when the voucher has been successfully applied on the order. 4. Discount is not exchangeable for cash, credit or other goods and services. 5. Discount amount cannot be applied retroactively. 6. Discount is not applicable to items marked “Voucher code not applicable on this item”. 7. Applicable only to eligible Visa card BINs and eligible items. 8. All cancelled orders will not be valid for re-instatement of voucher codes. 9. Payment codes cannot be used with other collectible or static code discount vouchers. 10. The use of the voucher is subject to the Lazada Voucher Terms and Conditions. CUSTOMER SUPPORT For questions or clarifications, please contact Lazada Customer Care by clicking the chat button at http://www.lazada.com.ph/contact. Terms and conditions apply. Per DTI Fair Trade Permit No. FTEB-xxxxxx Series of 2021

MyTEStimony Photo Contest

#MyTEStimony Photo Contest A Photo Contest for CHED-UniFAST Tertiary Education Subsidy (TES) grantees I. COMPLETE MECHANICS Contest Period: Submission is from November 15 to 29, 2021, announcement of winners will be on December 15, 2021 Area Coverage: Nationwide Qualified participants: CHED-UniFAST Tertiary Education Subsidy grantees as of the start of the contest proper TES grantees who have finished their contract with CHED-UniFAST by the start of the contest period are disqualified from joining the contest TES grantees will be asked to submit a photo appropriate to the theme of the contest: "Inspirasyon ng Kuwentong TES” Each TES grantee will only be allowed to submit one (1) entry for the contest, with a minimum of 2MB file size in JPEG format. The photo entry shall bear an inspiring caption (maximum of 150 words) related to the theme as it will be part of the criteria for judging. The criteria for judging will include photo quality, clarity of caption, and the number of votes through a dedicated Google Forms. Shortlisting of entries and determination of top ten (10) entries each from NCR, Luzon, Visayas, and Mindanao will be done on December 1, 2021 via Zoom and in the presence of a DTI representative. Ten (10) entries each from NCR, Luzon, Visayas, and Mindanao will be shortlisted based on photo quality and clarity of caption, and posted on the FB Pages of LANDBANK and UniFAST for one (1) week to generate votes. Upon registration, participants will be required to provide their full name, school, region, degree program, email address, and mobile number to the dedicated Google Form. Winners will be notified on the e-mail account they provided upon registration. Submission of entries: Interested TES grantee may submit their entry to this dedicated Google Form: https://bit.ly/3xzAup6 Deadline of Submission: November 29, 2021, 6:00PM Voting period: December 3, 2021 (8:00AM or upon posting of finalists on LANDBANK’s FB page, whichever comes first) to December 10, 2021, 6:00PM Winners will be announced via the Facebook pages of LANDBANK and UniFAST on December 15, 2021 Judging will be done on December 13, 2021, at 3pm via Zoom, in the presence of a DTI representative. In case of a tie, the Board of Judges shall break it through a unanimous vote after a deliberation. Employees of LANDBANK and CHED-UniFAST, including their relatives up to second degree of consanguinity or affinity are disqualified from joining the contest. For inquiries, you may email landbank.mytestimony@gmail.com II. Criteria and Prizes The criteria for judging are as follow: 50% photo quality – the photo entry creates a visual impact through the combination of technical attributes such as technique, composition, presentation, color balance, center of interest, and lighting 40% clarity of caption and adherence to the theme – the caption tells a compelling story behind the photo with brevity, proper grammar and punctuations, and relevance to the theme 10% total number of votes through Google Forms - entrants will also be judged by the votes they will get through a dedicated Google Forms for the contest. All “voters” should have already “Liked” the official LANDBANK (www.facebook.com/landbankofficial) and UniFAST (www.facebook.com/unifastofficial) FB Pages for their vote to be counted. Total = 100% The Board of Judges is composed of three (3) representatives from LANDBANK and two (2) representatives from UniFAST. The entries with the highest combined judges’ scores and total number of Facebook reactions will win the contest. One (1) grand winner and two (2) runners-up each from NCR, Luzon, Visayas, and Mindanao will take home the prize money. Prizes will be P10,000 for the grand winners, P8,000 for the 1st runners-up, and P7,000 for the 2nd runners-up dedicated to assist their online learning needs. Total cash prizes for the campaign will be Php100,000.00. Claiming of prize: Prizes will be credited to their TES LANDBANK Mastercard Prepaid Cards (LMPCs). In case the winner’s card is not available yet, LANDBANK will prioritize the production of their card and release it to the winner with the credited prize money.

Visa - Shopee 11.11

I. Qualifications ● The promo is exclusive to Visa Credit, Debit, and Prepaid cards issued in the Philippines. II. How to Avail 1. Shop using the Shopee mobile app. 2. Select the items you wish to purchase and click “BUY NOW”. 3. To proceed with checkout, enter your e-mail address and shipping details. 4. Enter promo code “VISA300OFF” upon checkout. 5. Click “Select payment method” and choose “Credit / Debit Card” as option. 6. Select or add your participating Visa credit, debit, or prepaid Card and click “Confirm”. 7. Promo discount will be automatically applied to your purchase upon checkout. III. Terms and Conditions 1. Qualified Visa cardholders are entitled to avail of the promo discount from Shopee within the applicable promo period. 2. Promo discount is P300 off, with a minimum spend of P2,000. 3. Promo discount is valid for eligible Shopee users during the promo duration. 4. Promo discount is valid for one-time use from November 8 to 11, 2021 only. 5. Applicable on Visa credit, debit, and prepaid card transactions only. 6. Promo discount cannot be reapplied after a qualified order has been cancelled by the cardholder. 7. Promo discount is valid for new and existing Shopee registered customers. 8. Promo discount cannot be applied retroactively. 9. The offer cannot be exchanged for cash or other products. 10. Promo discount can only be applied on purchases from Preferred Shops, Mall Shops, Free Shipping Special Sellers, and Coin Cashback Sellers that ship from the Philippines. 11. Promo discount cannot be used on products under the “Load, Bills and eServices” category. 12. Promo discount is valid on orders to be delivered via integrated couriers. 13. By joining this promo, the user confirms that he/she has read, understood, and agreed to the promo mechanics and its terms & conditions. 14. Shopee reserves the right to cancel transactions of accounts that are suspected to be invalid or fraudulent (i.e. abuse of system). 15. Shopee reserves the right to vary these terms & conditions with prior approval of DTI. IV. Customer Support ● For any questions or clarifications, please contact Shopee’s Customer Service at (02) 88805200 or email support@shopee.ph DTI Fair Trade Permit No. FTEB-XXXXXX Series of 2021

MC-Shopee 11.11

LANDBANK 9-month 2021 profit surges 21% to P16.72B

  State-run Land Bank of the Philippines (LANDBANK) posted double-digit growth in net income, assets, deposits and capital year-on-year for the nine-month period ending 30 September 2021. The Bank’s net income grew by 21.2% to P16.72 billion from P13.8 billion in the same period last year, due to lower cost of funds and provision for losses. As a result, the Bank is on track to meet its net income target of P19.68 billion by year-end. Total assets went up 13.6% to P2.564 trillion from P2.257 trillion in September 2020. This was propelled by deposits amounting to P2.267 trillion, which expanded by 14.68%. Meanwhile, LANDBANK’s capital significantly rose by 25.77% year-on-year to P208.17 billion from P165.52 billion, attributed to the P27.5 billion equity infusion made by the National Government in February 2021 plus the net income for the year. “LANDBANK has shown remarkable resilience against the economic shocks of the pandemic. As we continue to exceed our year-end targets in total assets and deposits, we are optimistic that the Bank’s overall financial performance will keep in step with the country’s continuing recovery,” said LANDBANK President and CEO Cecilia C. Borromeo. In terms of financial ratios, LANDBANK’s return on equity reached 10.74%, which is well above the industry average of 6.48%. LANDBANK’s financial muscle is driving the fulfillment of its social mandate of providing financial and support services not only to the agriculture sector, but contributing at large to the country’s recovery and development efforts. As of 30 September 2021, LANDBANK’s total outstanding loans to the agriculture sector reached P228.21 billion. The total number of farmers and fishers assisted stood at 2.97 million, closer to reaching the year-end target of three million. LANDBANK strikes a balance in fulfilling its social mandate while remaining financially viable, making it unique among universal banks in the country.

MC-Zalora 11.11

A. PROMO MECHANICS: I. Qualification: 1. This promo is open to all Philippine-issued Mastercard credit, debit and prepaid cardholders who will purchase on the ZALORA website or ZALORA app within the promo period. II. Promo Period and Discount: 1. Promo period valid on November 10-16 and 26-30, 2021 2. Philippine-issued Mastercard credit, debit and prepaid cardholders are entitled to get the following offer on the ZALORA website or app: ● Users are entitled to 45% off + 5% Cashback min spend P2499 max discount capped at P2,000, max cashback at P120 valid for 3x use from November 10-16 and 26-30, 2021 only. ● Voucher redemption is capped at 2,900 total or 242 orders per day and usage is valid 3x time use per account, to be availed using voucher code: MASTERCARD1111 to be inputted by the user upon checkout on ZALORA website or app III. How to avail of discount: 1. Log-on to http://www.zalora.com.ph 2. Click on Shop Women, Shop Men, Shop Kids to begin. 3. Select product categories. 4. Select product. 5. Selec? si?e and click on ?Add ?o Bag?. 6. Once finished, click CHECKOUT NOW to proceed. 7. Log in or Register by Signing in via Facebook. Input Customer Information such as name, phone number and delivery address. 8. Selec? ?Credi? Card? as Pa?men? Me?hod and inp?? MASTERCARD card de?ails. 9. Click ?Ha?e a promo code? En?er i? here?. 10. Enter promo code then click APPLY. 11. Click ?Order No?? ?o finali?e order IV. Promo Exclusions: 1. Discount is not valid on essentials items. 2. Valid on limited use per account up to 3x 3. Limited daily redemption only 4. Maximum discount of P2,000 5. Maximum cashback of P120 6. Brand exclusions apply. Discount is not valid on the following categories and brands: (full list: www.zalora.com.ph/faq-non-sale). V. Customer support: 1. For any questions or clarifications, please contact ZALORA Philippines Facebook Page or e-mail: customer@zalora.com.ph

LANDBANK bags innovation, sustainability honors in Asia CEO Awards

  The Land Bank of the Philippines (LANDBANK) was recognized as a Circle of Excellence awardee for innovation and sustainable finance at the 12th Asia CEO Awards, garnering top points among the 514 entries from both government and private-sector organizations. LANDBANK bagged the Most Innovative Company of the Year award for its Agent Banking Program, which forms part of the Bank’s thrust of serving unbanked and underserved Filipinos, especially those living in areas with limited or no bank presence. As of September 2021, the Bank has certified 162 Full-Suite Agent Banking Partners (ABPs) and 660 POS-only ABPs composed of cooperatives, rural banks, local government units, and micro, small and medium enterprises (MSMEs), to provide basic financial services in 45 unbanked municipalities and 131 underserved municipalities. LANDBANK has also tapped over 150 ABPs to co-locate with the Philippine Statistics Authority (PSA) in over 500 registration centers nationwide for the Philippine Identification System (PhilSys), to help onboard unbanked registrants to the formal banking system in support of the National Government’s financial inclusion agenda. The state-run Bank also received the Most Sustainable Company of the Year award for promoting environmentally sustainable programs to address climate-related issues, and for integrating sustainable finance in all aspects of the Bank’s operations. Last year, LANDBANK also made a successful return to the capital markets by generating P5 billion through the maiden Sustainability Bonds offer, designed to finance various loan programs that support sustainable green and social projects. “There is still so much to do as we navigate, recover, and rise from this economic and health crisis. Yet, these recognitions strengthen our spirit to serve with passion and overcome the challenges before us,” said LANDBANK President and CEO Cecilia C. Borromeo. The 2021 Asia CEO Awards is on its 12th year of recognizing outstanding leadership achievements by individuals and organizations in the Philippines and across the Asia-Pacific region.

MC-Shopee Payday 11.15

RTB 26

Mag-invest na at buksan ang regalo ng Panatag na Bukas para sa’yo at sa Pilipinas! Regaluhan ang sarili ng Panatag na Bukas at mag-invest na sa Retail Treasury Bonds (RTB 26) via Bureau of the Treasury’s website (www.treasury.gov.ph) and settle your payments via the LANDBANK LinkBiz.Portal simula ngayong November 16, 2021 hanggang November 26, 2021. Ang investment mo sa RTB 26 ay maituturing na rin bilang pamana mo sa kinabukasan ng buong Pilipinas. Sa halangang Php5,000.00 lang ay lalago na ang kinabukasan mo, at matutulungan mo pa ang ekonomiya ng bansa! Para sa iba pang detalye, pumunta sa www.treasury.gov.ph.

LANDBANK: No ‘ayuda’ in PhilSys registration centers

  The Land Bank of the Philippines (LANDBANK) wishes to clarify that the LANDBANK cards being provided for free to unbanked national ID registrants, with no initial deposit required, are not pre-loaded with government subsidy or ‘ayuda’. The statement comes after crowds expecting for financial assistance turned up at various Philippine Identification System (PhilSys) registration centers due to false information circulating online. LANDBANK is co-locating with the Philippine Statistics Authority (PSA) in the PhilSys rollouts nationwide to provide unbanked registrants with their own transaction accounts to bring more Filipinos into the formal banking system in support of the National Government’s financial inclusion agenda. PhilSys registrants without a bank account are encouraged to open a LANDBANK transaction account. The LANDBANK card can be used to conveniently manage funds and make financial transactions such as withdraw and send money, shop and pay bills online, among others. As of 31 October 2021, LANDBANK has onboarded 6.14 million unbanked PhilSys registrants for their own transaction accounts from 1,296 registration sites in 62 provinces nationwide. #   LANDBANK: Walang ‘ayuda’ sa PhilSys registration centers Nilinaw ngayon ng Land Bank of the Philippines (LANDBANK) na ang mga LANDBANK cards na ibinibigay nang libre at walang kinakailangang paunang deposito sa mga nag a-apply para sa national ID, ay walang kasamang tulong pinansyal mula sa pamahalaan o ‘ayuda’. Ipinahayag ito ng LANDBANK matapos na dagsain ng mga taong umaasang makakatangap ng ayuda ang iba't-ibang Philippine Identification System (PhilSys) registration centers dahil sa maling impormasyon na kumakalat online. Ang LANDBANK ay nakikipagtulungan sa Philippine Statistics Authority (PSA) para sa sa implementasyon ng PhilSys sa buong bansa upang bigyan ang mga nag-apply para sa national ID na wala pang bank account ng kanilang sariling transaction account. Ito ay upang mas maraming Pilipino ang magkaroon ng access sa iba’t-ibang produkto at serbisyong pampinansyal, at bilang pagsuporta sa layunin ng ating pamahalaan na mas palawakin pa ang financial inclusion sa bansa. Patuloy ding hinihikayat ang mga PhilSys registrants na wala pang bank account na magbukas ng LANDBANK transaction account. Ang LANDBANK card ay maaring gamitin para mas madali ang mag-ipon at gumawa ng pinansiyal na transakyon tulad ng mag-withdraw at magpadala ng pera, mag-shopping at magbayad ng mga babayarin online, at madami pang iba. Nitong ika-31 ng Oktubre 2021, nasa 6.14 milyong PhilSys registrants na ang na-onboard ng LANDBANK makatanggap ng kanilang sariling transaction account mula sa 1,296 registration sites sa 62 probinsya sa buong bansa.