Retired educator Dra. Celeste N. Querijero now devotes her time to cultivating mushrooms and managing her farm in Misamis Oriental, which has become a model of sustainable and inclusive farming. OPOL, Misamis Oriental — After dedicating 44 years to shaping minds as an agriculture professor at the Mindanao State University (MSU), Dra. Celeste N. Querijero was offered a prestigious international consultancy post — a tempting opportunity that recognized her expertise and decades of experience. But she chose to stay closer to home to empower small farmers in the community by sharing her knowledge of sustainable farming that defined her teaching career. "Even before I retired, I already had a deep passion for agriculture,” she shared. “As MSU’s coordinator for extension services, I saw firsthand the pressing needs of our farmers. They wanted knowledge, access, and a stable livelihood. So after retirement, I volunteered myself to serve. It’s my way of giving back after all the blessings I’ve received throughout my career," she said. True to this calling, Dra. Querijero founded the CNQ Diversified Farm in Sitio Saguing Patag, named after her initials. With mushrooms as her flagship crop — an expertise she honed while writing her dissertation in Thailand — she began cultivating oyster mushrooms, and later expanded into a diversified farm ecosystem which includes mulberries, ilang-ilang, coconuts, mangoes, vegetables, legumes, peanuts, sweet potatoes, and ube. Empowered by LANDBANK support Dra. Querijero used the loan from LANDBANK to build a multi-purpose facility, which includes a mushroom growing house on the ground floor. To scale up her farm’s operations, Dra. Querijero tapped LANDBANK’s low-interest financing under the Agricultural Competitiveness Enhancement Fund (ACEF) Lending Program, implemented in partnership with the Department of Agriculture (DA). The funds enabled her to invest in modern equipment and build a multi-purpose facility as an additional production area and training venue for farmers and stakeholders. From an initial annual yield of 8,000 oyster mushroom packs, CNQ Diversified Farm now produces 20,000 packs distributed to leading malls such as SM, Ayala, and Robinsons, and even reaching markets in Bohol and Cebu. The expansion also created employment for 21 locals, with women comprising 80% of the workforce. A learning hub for sustainable and inclusive farming Beyond its produce, what sets CNQ Diversified Farm apart is its role as a learning hub for sustainable and inclusive farming. Dra. Querijero regularly hosts agriculture-related training sessions in partnership with Technical Education and Skills Development Authority (TESDA), Department of Science and Technology (DOST), Provincial Agriculture Office (PAGRO), and other government agencies. Dra. Querijero is even in talks with European stakeholders who are interested to take agri training programs. The CNQ Diversified Farm is fast becoming a model for sustainable and inclusive farming, and a convergence zone for universities, government institutions, and local government units eager to replicate its success and promote rural development. The farm’s innovative practices have also become the subject of academic research, culminating in a published book authored by graduate students. “I’m here to guide and teach — not just to build a farm, but to build lives,” said Dra. Querijero. “LANDBANK made this possible by believing in my vision. The loan gave me breathing room — low interest, one-year grace period, and flexible terms — so I could focus on growing before repaying.” LANDBANK’s steadfast commitment to agriculture LANDBANK serves as the DA’s conduit bank in implementing the ACEF Lending Program, which is designed to empower marginalized players in the agriculture sector through affordable credit and support services. Under this Program, individual farmers and fishers can borrow up to ₱1 million, while cooperatives, associations, and MSMEs can access up to ₱5 million for farm inputs, machinery, and facilities essential to production and processing. As of March 2025, LANDBANK has released ₱14.6 billion in loans under the ACEF Lending Program, benefiting 97,162 borrowers nationwide — 98% of whom are small farmers and fishers. ABOUT LANDBANK LANDBANK is the largest development financial institution in the country promoting financial inclusion, digital transformation, and sustainable national development. Present in all 82 provinces in the county, the Bank is committed to provide accessible and responsive financial solutions to empower Filipinos from countryside to countrywide.
READ MOREPromo period is from June 01 to August 31, 2025 MECHANICS AND TERMS & CONDITIONS 1. Open to all LANDBANK GoBayani account holders who opened their GoBayani account before March 01, 2025. 2. To join the promo, account holders are required to register via the LANDBANK website with their full name and promo code and agree to data & promo participation consent form and the terms and conditions. To register, click here or scan the QR code below: 3. Account holders must perform any of the following within the promo period to earn one (1) raffle entry: • Perform intra-bank or inter-bank fund transfer amounting to more than PHP 1,000.00 • Perform bills payment via the LANDBANK Link.BizPortal/MBA/iAccess amounting to at least PHP 100.00 • Initiate e-commerce or in-store (POS transaction) 4. Raffle draw will be held in the presence of a DTI representative on the following dates and venue: 5. Ten (10) lucky LANDBANK Go Bayani account holders will be drawn and will each receive ₱2,000 cash prize which will be credited to their respective LANDBANK GoBayani accounts within 3 to 5 banking days after the raffle draw. 6. The winning account holders must ensure that their Go Bayani account is in active status at the time of the raffle draw. 7. The winning account holders may win once per draw and will be notified via registered mail and SMS (from access code LANDBANK). 8. The winning account holders likewise agree and authorize the Bank to disclose and publish their names on the official Facebook and Instagram page of Land Bank of the Philippines (@landbankofficial). 9. Employees of Land Bank of the Philippines, its promo partners, organizers, including their relatives up to the second degree of consanguinity or affinity are disqualified from participating in the promo. FPWGB
READ MORELANDBANK President and CEO Lynette V. Ortiz and Water.org Regional Director for Southeast Asia Griselda G. Santos, have partnered to provide sustainable financing solutions for water and sanitation projects, especially in underserved communities. LANDBANK Director Gaudencio S. Hernandez Jr., Executive Vice President Ma. Celeste A. Burgos, and Water.org Portfolio Lead Floredick B. Pajarillo witnessed the event. MANILA, Philippines — In a move to improve access to safe, affordable water across the country, LANDBANK and international non-profit organization Water.org have formalized a strategic partnership to scale up investments for water and sanitation projects. The collaboration aims to deliver sustainable financing solutions for water and sanitation projects, particularly in underserved communities. This is in support of the national government’s commitment to Sustainable Development Goal 6 (SDG 6), which calls for universal access to clean water, sanitation, and hygiene by 2030. Under the partnership, LANDBANK will share its lending guidelines to support Water.org identify qualified borrowers. In turn, Water.org will provide technical assistance to improve project preparedness and viability, including support for documentation, loan applications, and technical assessments. LANDBANK President and CEO Lynette V. Ortiz and Water.org Regional Director for Southeast Asia Griselda G. Santos inked the Memorandum of Understanding (MOU) on 15 May 2025 at the LANDBANK Plaza in Manila, witnessed by LANDBANK Director Gaudencio S. Hernandez Jr., Executive Vice President Ma. Celeste A. Burgos and Water.org Portfolio Lead Floredick B. Pajarillo. “By combining LANDBANK’s nationwide reach and financing capacity with Water.org’s expertise in community engagement, technical support, and impact evaluation, we are building a powerful alliance,” said LANDBANK President Ortiz. The collaboration brings together LANDBANK’s strong track record in public infrastructure financing and Water.org’s market-based approach to expanding access to safe water. The partnership is set to benefit local water service providers—including water districts, financial institutions, local government units (LGUs), cooperatives, and micro, small, and medium enterprises (MSMEs). “There's still a long way to go towards a sustainable solution in the Philippines. No one institution—government nor NGO—can do it alone. This challenge provides an opportunity for us to work together for a more sustainable and resilient country,” said Water.org Regional Director Santos, welcoming the partnership as a key milestone in enabling inclusive water solutions in the country. Water.org will identify potential borrowers for water and sanitation projects and refer them to LANDBANK based on the Bank’s eligibility criteria, while also assisting loan applicants in completing documentary requirements. Implementation of the partnership will be carried out under LANDBANK’s Water for Everyone (H2OPE) Program, which supports the development of sustainable water sources, improvement of distribution systems, and construction of sanitation and wastewater treatment facilities nationwide. As of March 2025, LANDBANK has approved P8.8 billion in loans to 36 borrowers under the H2OPE program. The partnership with Water.org is expected to scale the program’s reach and impact, accelerating the delivery of safe water and sanitation across the country. ABOUT LANDBANK LANDBANK is the largest development financial institution in the country promoting financial inclusion, digital transformation, and sustainable national development. Present in all 82 provinces in the county, the Bank is committed to provide accessible and responsive financial solutions to empower Filipinos from countryside to countrywide. ABOUT Water.org Water.org is a global non-profit organization that has helped transform the lives of more than 56 million people around the world through access to safe water and sanitation. For over three decades, Water.org pioneers market-driven financial solutions to address the global water crisis, empowering families with the resources and opportunities to build healthier, more resilient futures.
READ MOREPaolo E. Quitaneg, a fisher from Zambales, secured a loan from LANDBANK to finance the construction of fish aggregating devices or “payaos,” which allow his family to continue earning a living even without entering the disputed waters of Scarborough Shoal in the West Philippine Sea. IBA, Zambales — Thirty-five-year-old fisher Paolo E. Quitaneg comes from a family that casts their nets and hopes into the sea. From an early age, he witnessed how the bountiful waters of Scarborough Shoal in the West Philippine Sea — locally known as Bajo de Masinloc or Panatag Shoal — sustained their livelihood and nourished countless generations before him. But in 2012, the tides suddenly turned. Due to escalating geopolitical tensions in the area, access to this traditional fishing ground, which Paolo described as a “true paradise,” was restricted. For small fishers like him, the loss of Scarborough Shoal meant not just a lost catch, but the unraveling of an entire way of life. Despite the risks, Paolo and fellow fishers tried to continue fishing in the area, But the rising presence of large foreign vessels made each trip more dangerous, as local fishers were intercepted, and faced threats and harassment at sea, with warning signals often blaring before they could even draw close to the shoal. “Yung huling punta namin doon noong 2024, ni-radyo agad kami. Andun ‘yung kaba at takot na baka masira ang bangka namin, kaya hindi na kami bumalik. Lahat kami dito sa buong Zambales apektado, at nawalan ng magandang kita kasi ‘yun talaga ang pangunahing pinagkukunan namin ng kabuhayan,” Paolo shared, adding that they even had to sell their boat just to make ends meet. (“Our last trip there was in 2024, and we were immediately warned through a radio. We felt the fear and anxiety that our boat might get damaged, so we never returned. All of us here in Zambales were affected and lost a good source of income because that was our main livelihood,” Paolo shared.) Charting a safer course with payaos As the country pursues diplomatic solutions to ease maritime tensions, Paolo’s family chose to chart a different course. In 2022, they established and registered LIMVQS Enterprise as a small business operating fish aggregating devices — locally called payaos — as an alternative method of drawing fish closer to shore. Since then, Paolo’s family has acquired a fishing vessel to sustain their operations. These fish aggregating devices, typically made from styrofoam, old tires and net, are set up about 15 nautical miles offshore to attract fish and encourage spawning. After about three weeks, the fish can be harvested using large nets. This has allowed Paolo’s family to secure a steady catch and income without venturing into the contested waters of Scarborough Shoal. Scaling up with LANDBANK’s support Recognizing the potential of payaos as a safer and more sustainable alternative to traditional fishing, Paolo turned to LANDBANK in 2024 to scale up their operations. He applied for financial assistance to construct 10 new payao units, each costing around P100,000. Through the Agricultural Competitiveness Enhancement Fund (ACEF) Lending Program, jointly implemented by LANDBANK and the Department of Agriculture (DA), Paolo was granted a loan with a low annual interest rate of only 2%. Under this Program, farmers and fishers can borrow up to ₱1 million, while cooperatives, associations, and micro, small, and medium enterprises (MSMEs) can access loans up to ₱5 million. “Nagulat kami — mayroon pa palang ganitong bangko. Hindi ako nahirapan, very friendly ang mga staff. Binigyan nila ako ng magagandang options at inalalayang makumpleto ang mga requirements. Ganoon pala ang LANDBANK — tutulungan ka para maiangat ka, para makakuha ka ng magandang kabuhayan,” said Paolo (“We were surprised — we didn’t know there was still a bank like this. I didn’t have a hard time, the staff are very friendly. They gave me good options and guided me through the requirements. That’s what LANDBANK is like — they help you rise, so that you can build a better livelihood,” said Paolo.) In January 2025, Paolo’s family deployed their new payaos off the coast of Zambales. Their catch grew significantly from roughly 16,000 kilos to nearly 50,000 kilos per month, allowing them to supply public markets as far as Malabon, where prices are more favorable. With a steady income, they were able to save enough to place a down payment on their first delivery truck, saving P25,000 on truck rental costs for every trip to Malabon Public Market. Now, they keep more of their earnings to better support their family’s needs. From safer seas to thriving communities With support from LANDBANK, Paolo’s family has provided safe and sustainable livelihoods for 36 local workers, while ensuring a steady supply of fresh fish from Zambales to Metro Manila. What began as a lifeline for Paolo’s family has since become a source of hope for others. The LIMVQS Enterprise now provides livelihood for 36 local workers hired as harvesters and porters, who no longer risk their safety at sea to earn a living. Local dealers across Zambales have also benefited from the increased fish supply, which has helped stabilize market availability and prices. The ripple effect extends to Metro Manila, where consumers now enjoy a steady supply of affordable, fresh, and responsibly-sourced fish. “Nagpapasalamat po ako sa LANDBANK, sa Department of Agriculture, at sa aming LGU na nagbigay ng endorsement at suporta para kami ay makahiram ng sapat na puhunan. Kahit kami ay mula sa marginalized sector, pinaramdam ninyo ang tiwala at suporta para kami’y makabangon at umasenso,” Paolo expressed. (“I am grateful to LANDBANK, the Department of Agriculture, and our LGU for the endorsement and support that allowed us to secure enough capital. Even though we come from the marginalized sector, you showed us trust and support to help us recover and improve our livelihood,” Paolo expressed.) Looking ahead, Paolo plans to apply for another loan from LANDBANK once the first loan is fully paid. He will use the fund to purchase a second truck to expand deliveries to other provinces, such as Laguna. Fueling the current of progress LANDBANK continues to intensify its support across the entire agriculture value chain — from small farmers and fishers to agribusinesses. As of March 2025, the Bank’s agriculture, fisheries, and rural development (AFRD) loan portfolio has grown to ₱844.61 billion, accounting for 53.4% of its total gross loans of ₱1.58 trillion. Between January and March alone, LANDBANK assisted almost 28,000 new small farmers and fishers, bringing total beneficiaries nationwide to 4.04 million. These were supported through direct lending, partnerships with credit conduits, and capacity-building initiatives. ABOUT LANDBANK LANDBANK is the largest development financial institution in the country promoting financial inclusion, digital transformation, and sustainable national development. Present in all 82 provinces in the county, the Bank is committed to provide accessible and responsive financial solutions to empower Filipinos from countryside to countrywide.
READ MOREFinance Secretary and Land Bank of the Philippines (LANDBANK) Chair Ralph G. Recto has praised the state bank for declaring PHP 33.5 billion in dividends––its single highest dividend yield in its history, with millions of Filipinos expected to benefit. The dividend remittance is in line with President Ferdinand R. Marcos, Jr.’s directive to uphold fiscal discipline, ensuring that the government maximizes non-tax revenues to fund priority programs without the need to impose new taxes on the people. “Ang halagang ito ay resulta ng kusang pagbubuti ng serbisyo ng LANDBANK. Ibig sabihin, mas maraming magsasaka ang nabigyan ng murang pautang, mas maraming mangingisda ang naabutan ng tulong, at mas masigla ang daloy ng kapital sa tinatawag nating countryside economy,” he said in his speech at the ceremonial turnover on June 9, 2025. “Kaya naman hindi lang po tseke ang inabot niyo ngayong araw, kundi pag-asa para sa milyon milyong Pilipinong makikinabang dito,” the LANDBANK Chair added. Under Republic Act No. 7656 or the Dividend Law, Government Owned and Controlled Corporations (GOCCs) are required to remit at least 50% of their net earnings during the preceding year as dividends to the national government. To maximize non-tax revenue, the Department of Finance (DOF) has requested GOCCs to increase this share to 75%. Secretary Recto thanked the DOF’s Corporate Sector and Strategic Infrastructure Group (CSSIG) for their impeccable work in helping oversee the country’s GOCCs, ensuring transparency, accountability, and genuine service for the Filipino people. “This dividend remittance to the National Treasury is living proof that when a government financial institution serves the people well, the nation reaps greater rewards,” he said. In 2024, LANDBANK remitted PHP32.12 billion in dividends — the highest among all GOCCs. With this year’s PHP33.53 billion declaration, LANDBANK maintains its standing as the top dividend contributor among GOCCs for the second consecutive year. “Our continued solid performance affirms LANDBANK’s role as a reliable partner of the National Government in its infrastructure push, its support to the agriculture, education and healthcare sectors. This is LANDBANK’s value to the Filipino people: clear in its impact and rooted in its mission,” said LANDBANK President and CEO Lynette V. Ortiz. Meanwhile, LANDBANK posted a solid PHP 13.29 billion net income for the first quarter of 2025, up 11% from PHP 11.98 billion year-on-year and 32% above its first quarter target. LANDBANK’s total assets also grew to PHP 3.43 trillion, up 5% year-on-year from PHP 3.27 trillion, driven by expansions in both loan and investment portfolios. Present during the turnover were DOF Chief of Staff and Undersecretary Maria Luwalhati Dorotan Tiuseco, CSSIG Undersecretary Rolando Tungpalan, and National Treasurer Sharon P. Almanza. (Press release courtesy of Department of Finance)
READ MOREPromo period: June 13-20, 2025, every Friday, Saturday and Sunday. HOW TO AVAIL: 1. Go to any of the Participating Shell Mobility Stations. 2. Fuel up at least P2,000.00 of any Shell fuels. 3. Pay using LANDBANK VISA Debit Card via the Maya EDC Terminals. TERMS AND CONDITIONS: 1. This promotion will run every Friday, Saturday, and Sunday from June 13, 2025 to July 20, 2025. 2. This promotion is valid in participating Shell stations accepting contactless payments via Maya EDC terminal. 3. This promotion is exclusive to Visa prepaid, debit, and credit cardholders. 4. Visa cardholders who fuel up with a single receipt purchase worth at least P2,000 of any Shell Fuel can enjoy Php 3 off per liter which will be given if the Visa cardholder settles the transaction via contactless payment with Maya EDC terminals. 5. To avail of the Php 3 off per liter discount exclusive to eligible Shell Fuels transactions, the Visa cardholder must use contactless payment (Tap to Pay) with Maya EDC terminal as their payment method to settle the transaction. 6. Promo participants can still earn Shell Go+ or SMAC points from their transactions. 7. This promotion is non-transferrable and not for resale. 8. This promotion is not convertible to cash, gift certificates, or any other products in kind. 9. This promotion cannot be used in conjunction with on-going Visa, Maya and/or Shell promotions. 10. This promotion is valid for prepaid, debit card and credit card tap to pay transactions only. 11. PO, Bulk, and Fleet customers are not included in this promotion. OFFER DESCRIPTION: 1. Minimum single-receipt spend per transaction: Php 2,000.00 on Shell FuelSave of Shell V-Power purchase. 2. Valid for Visa cardholders. 3. Transactions should be processed via the Maya EDC Terminal. PROMO PERIOD: Every Friday, Saturday, and Sunday from June 13, 2025 to July 20, 2025. For the list of participating stations, click here. DTI Fair Trade Permit No. FTEB-227596 Series of 2025
READ MORELANDBANK empowered over 1,200 farmers from across Bukidnon with the launch of the AGRISENSO Plus Lending Program in Mindanao on 20 June 2025 at the Kaamulan Grounds in Malaybalay City. MALAYBALAY CITY, Bukidnon – As part of its nationwide thrust to strengthen food security and drive rural development, LANDBANK launched its flagship AGRISENSO Plus Lending Program in this City, the initiative’s first major rollout in Mindanao. The event gathered over 1,200 small farmers, fishers, and agrarian reform beneficiaries (ARBs) from across the province, reinforcing the Bank’s commitment to expanding financial access and support for agri-based communities. Finance Secretary and LANDBANK Chairman Ralph G. Recto commended the initiative, which is in line with President Ferdinand R. Marcos, Jr.’s goal to boost the agriculture sector, accelerate rural development, and strengthen the country’s food security. “Ang programang ito ng LANDBANK at ni Pangulong Bongbong Marcos, Jr. ay isang konkreto at inklusibong sagot sa matagal niyo nang panawagan na tulong pinansyal. Ito ay programang may malasakit—at may malinaw na pangarap na gawing abot-kamay ang pag-asenso ng bawat magsasaka at mangingisda,” Secretary Recto said in a message during the launch event on 20 June 2025 at the Kaamulan Theater, Kaamulan Grounds, Malaybalay City. The AGRISENSO Plus Lending Program launch in Bukidnon is the fifth in a series of nationwide rollouts, following successful launches in Pampanga, Cagayan, Isabela, and Batanes, which collectively engaged more than 3,800 farmers from Northern and Central Luzon. LANDBANK President and CEO Lynette V. Ortiz led the program launch, together with Bukidnon Governor Rogelio Neil P. Roque and Department of Agriculture Undersecretary Roger V. Navarro. Also present were Philippine Guarantee Corporation President and CEO Albert E. Pascual, Malaybalay Mayor Jay Warren Pabillaran, LANDBANK Executive Vice Presidents Ma. Celeste A. Burgos and Leila C. Martin, and farmer leader Bambi A. Lagata from Jasaan, Cabansalan. “Bukidnon plays a vital role in ensuring food security for Mindanao and the rest of the country. With its rich soil and favorable climate, the Province continues to lead in the production of rice, corn, sugarcane, pineapple, coffee, and many other high-value crops. Our efforts through AGRISENSO Plus are also in step with the Provincial Government’s agenda of building a stronger economy and increasing agricultural productivity,” said LANDBANK President and CEO Ortiz. Strengthening agri financing and building capacity The AGRISENSO Plus Lending Program is LANDBANK’s comprehensive value chain-based financing initiative, developed in partnership with the DA, Department of Agrarian Reform (DAR), Agricultural Credit Policy Council (ACPC), and various private sector stakeholders. The Program offers a fixed interest rate of 4.0% per annum for small farmers, fishers, and ARBs, with competitive rates for their associations and organizations, micro, small, and medium enterprises (MSMEs), large enterprises, anchor firms, and agriculture graduates. Under the AGRISENSO Plus Program, eligible borrowers benefit from simplified documentation requirements, free life and credit life insurance, and expanded access to financing and technical support across a wide range of agricultural activities. The Program also connects borrowers to market opportunities through partnerships with anchor firms, namely Kita Agritech Corporation, Sarisuki Stores, Inc., TAO Foods Company, Inc., Yovel East Research and Development, Inc., and Unified Tillers Agriculture Cooperative (UTAC). AGRISENSO Plus is reinforced by the LANDBANK ASCEND (Agri-Fishery Support through Capability Enhancement for Nationwide Development) Program, a capacity-building component that provides farmers and fishers with training on digital financial literacy, sustainable agriculture, and enterprise development. As of May 2025, LANDBANK has extended a total of ₱1.16 billion in loans through AGRISENSO Plus, directly benefiting 6,853 borrowers and advancing growth across the agriculture sector. LANDBANK remains steadfast in its mandate to advance countryside development by scaling up inclusive and sustainable financing for the agri value chain — empowering small producers, driving productivity, and helping lay the groundwork for a more food-secure Philippines. ABOUT LANDBANK LANDBANK is the largest development financial institution in the country promoting financial inclusion, digital transformation, and sustainable national development. Present in all 82 provinces in the county, the Bank is committed to provide accessible and responsive financial solutions to empower Filipinos from countryside to countrywide.
READ MORE9% off selected hotels! SECTION A - KEY POINTS • Voucher Code (“Coupon”): MASTERPH9 • Coupon availability o Booking Period - 01am [local time], 20 March, 2025 to 11:59pm [local time], 30 Jun, 2025. o Travel Period - The travel dates must be between 20 March, 2025 and 30 September, 2025 (inclusive). • Qualifying bookings: o Coupon Value (“Discount”): 9%, with a maximum discount of PHP2000 per transaction. o Minimum Length of Stay: Length of stay for a qualifying booking must be at least 1 days This Coupon applies only to pre-pay stand-alone hotel bookings (not a hotel booking in combination with any other product such as flight + hotel) for hotels located in made online at https://www.expedia.com.ph/mastercard (the “Website”) (subject to the restrictions set out in Section B (Terms and Conditions) below). This Coupon cannot be redeemed through call centre. • In order to use the Coupon, you must make payment using a credit card issued by MASTERCARD in Philippines. • This Coupon cannot be used on app. How to use your Coupon • During the booking process, on the payment page you will see the link “Enter voucher code” where the Coupon needs to be entered. • Enter the Coupon in the relevant field, then click the “Apply Voucher” link. If your booking is eligible, the applicable Discount will be subtracted from the price of the travel reservation before the application of any taxes, tax recovery charges, applicable fees or additional costs. • Coupon redemption is complete only when you complete and pay for the booking. SECTION B - TERMS AND CONDITIONS 1. Subject to the restrictions set out in this Section B (Terms and Conditions) and compliance with Section A (Key Points) above, the Coupon may be applied to a pre-pay stand-alone hotel only booking (not a hotel booking in combination with any other product such as flight + hotel) made online through the Website. The Coupon can only be used for pre-pay bookings and cannot be redeemed against bookings which are paid at the destination. The Coupon cannot be redeemed against package bookings. 2. The Coupon cannot be redeemed against booking of properties on the exclusion list which may be accessed at https://www.expedia.com.ph/lp/coupon-exclude-hotels. The exclusion list may be amended from time to time without prior notice. 3. Provided that you meet the requirements herein, the Coupon entitles you to the Discount off the price of the relevant travel reservation before the application of any taxes, tax recovery charges, applicable fees or additional costs. 4. The Coupon is valid only for the Booking Period, for travel during the Travel Period, when booked on the Website only, and not booked on any other Expedia sites. 5. Only one Coupon per transaction may be used. In the event that you make a booking for multiple rooms in a single transaction, the discount will apply only to the lowest priced room (ie: if you book three rooms the discount will apply only to one of the three rooms and not to all rooms). 6. The Coupon cannot be redeemed against taxes, tax recovery charges, supplier fees, cancellation or change fees/penalties, administrative fees or other miscellaneous charges, which are the sole responsibility of the customer. 7. The Website’s Terms of Use apply and all bookings are subject to availability. 8. The Coupon may not be used with other discount coupons, promotions or special offers. Bookings made using the Coupon are not eligible for rewards points/mileage/cashback/other benefit under any rewards/mileage/cashback/similar program offered by third party marketing affiliates of Expedia. 9. The Coupon cannot be used for any booking already made. It will be deemed fully redeemed once a qualifying booking has been made. The Coupon has no cash value and no refunds or cash alternative will be offered. There is no residual value and, therefore, no credit will be issued if the purchase amount is less than the Discount. The Coupon may not be re-used, even in the event that you change or cancel the booking. 10. The Coupon may only be used by the intended recipient(s) who are at or above the age of majority in the Philippines; and are legal residents of the Philippines. The Coupon is void where prohibited by law. 11. The Coupon may not be used by employees of Expedia Group companies or any other person professionally connected with this promotion, including, without limitation, travel agency affiliate programme partners. 12. Improper use of the Coupon by you, including, but not limited to, publication or selling of the Coupon, is prohibited and may constitute fraud. 13. This Coupon may not be transferred or sold. Any Coupon obtained through unauthorized channels, mutilated, altered, copied, forged, damaged, manipulated, or tampered with in any way will be deemed void. 14. If Expedia becomes aware, or has reason to suspect (in Expedia’s reasonable opinion), that a customer: (a) has breached these Conditions of Use of Voucher Code; (b) has obtained this Coupon from an unauthorized channel; (c) has used the Coupon with a view to re-selling any travel product booked; (d) engaged in conduct which impacts on the fairness, integrity or proper conduct of this offer; or (e) otherwise acted fraudulently, Expedia may, in its absolute discretion, stop the Coupon and/or cancel all bookings made by the customer using the Coupon without giving any reasons thereon. Expedia reserves the right not to refund customers for the cancelled transactions, including any non-refundable bookings. 15. For avoidance of doubt, this Coupon can only be used by a customer making a booking directly on the Website, and cannot be used through or by a third party travel agent or intermediary. 16. Expedia reserves the right to vary conditions of use of the Coupon or to withdraw the Coupon at any time. Expedia's decision is final in all matters relating to this offer. 17. These Conditions of Use of Voucher Code are as written and cannot be changed by any representation of any unauthorized person, including employees of Expedia. These Conditions of Use of Voucher Code shall be governed by and construed in accordance with the laws of the state of Washington. 18. In the event of inconsistency between the English language version and any other language translations, the English language version shall prevail. 19. This Coupon is offered by Expedia, Inc., a Washington corporation, whose head office is located at 1111 Expedia Group Way W, Seattle, WA 98119, USA, (“Expedia”).
READ MOREQ2 SM Store & Mastercard Back to School Promotion Shop & Win A Brand-New Laptop or P1,000 SM Gift Pass! May 1 to July 15, 2025 A. Eligibility 1. The Promotion is open to all principal and supplementary cardholders of Mastercard credit, debit, and prepaid cards issued in the Philippines. 2. To join the Promotion, cardholder must use a valid Mastercard card for a minimum Php3,000 or P5,000 single receipt purchase at any participating SM Store branch. 3. Straight and installment transactions using a valid Mastercard card in-store and personal shopper paid via card present are eligible for the promotion; transactions paid via iPay88/email billing are excluded in the promo. 4. Cardholders whose accounts are suspended or terminated are not eligible to join the promotion. B. Promotion Mechanics and Conditions 1. A minimum P3,000 single receipt straight transaction and P5,000 installment transaction at any SM Store branch nationwide gives the cardholder a chance to instantly win a brand-new laptop and P1,000 SM Gift Pass. 2. There will be 100 winners of laptop and 3,000 winners of P1,000 worth of SM Gift Pass nationwide. 3. Promo Period is from May 1 – July 15, 2025 while claiming of prizes will be from May 1 – September 15, 2025. 4. Promotion is only available in SM Store. Transactions made in other SM Retail Affiliates are not qualified to join the promo and win any prize. 5. Upon completing the minimum single-receipt transaction of P3,000 or P5,000 using Mastercard, the SM transaction receipt will display and generate the following coupon indicating whether the customer wins an instant prize. • For winning transaction - Laptop Congratulations! You have won a laptop in a Mastercard Promo at SM Store. Proceed to the Customer Service Counter for details on how to claim your prize. Terms & conditions apply. See posters for details. Promo period: May 1-July 15, 2025 Per DTI Fair Trade Permit No. FTEB -221819 Series of 2025 • For winning transaction - SM Gift Pass Congratulations! You have won P1,000 worth of SM Gift Pass in a Mastercard Promo at SM Store. Proceed to the Customer Service Counter for details on how to claim your prize. Terms & conditions apply. See posters for details. Promo period: May 1 – July 15, 2025 Per DTI Fair Trade Permit No. FTEB -221819 Series of 2025 • For non-winning transaction Enjoy shopping at SM Store using your Mastercard for a chance to win a laptop or SM Gift Pass. See posters for details. Promo period: May 1 – July 15, 2025. Per DTI Fair Trade Permit No. FTEB-221819 Series of 2025 6. Prize is non-convertible to cash. 7. Purchase of cell cards, phone cards, SM Gift Cards, SM Gift Pass, Concert Tickets, Returns, Bills Payment Products, and other products at the Customer Service Counter are not qualified for this promotion. 8. How to claim the prize: a. For Instore Transactions - winner (Cardholder) must present the following documents at the Customer Service Counter of the SM Store branch where the transaction was made. Branch Marketing Manager or Customer Service Manager must verify the winning transaction prior to awarding of prizes to the cardholder: • Original Winning Transaction Receipt • Original Winning Charge Slip • Original Winning Stub • Winning Mastercard Card Used • Valid ID b. For Personal Shopper Transactions – SM Store Branch rider/designated driver will release/deliver the Prize to the winner. c. Winner must surrender and sign the original winning stub. d. The Transaction receipt and winning charge slip should be marked/stamped “CLAIMED” upon release of Prize. e. Cardholder can only claim his/her Prize at the same SM Store branch where winning transaction was made. 9. SM Store and Mastercard will not replace lost or damage prizes caused by the winner (cardholder). 10. SM Store and Mastercard Philippines reserve the right to disclose and publish names, photos and other information of the winners in any mode or manner as they deem appropriate. 11. Employees of SM Store, SM Retail, Inc., Mastercard, and its accredited advertising agencies and suppliers, and their family relatives up to 2nd degree of consanguinity or affinity are disqualified from participating in the promotion. Per DTI Fair Trade Permit No. FTEB-221819 Series of 2025
READ MOREPROMO MECHANICS 1. The offers apply to new and existing customers of FlowerStore.ph and Potico.ph with LANDBANK Visa Debit Cards. 2. The offers are valid for multiple uses with no minimum spend. 3. All transactions must be within the promo period. 4. The promo is not valid in conjunction with any ongoing promos of the principals. 5. The offers are non-transferable and cannot be converted to other items such as, but not limited to, cash, credit, or gift certificates. 6. Free same-day delivery areas include Metro Manila, Cainta, Taytay, and selected areas of Antipolo, Cebu, and Davao. 7. The Cardholder’s use of the FlowerStore.ph and Potico.ph’s shop shall be governed by the terms and conditions of FlowerStore.ph and Potico.ph. 8. Any dispute concerning the performance and/or delivery of services related to the promo offer/s shall be settled directly between the Cardholder and the principal. 9. The Terms and Conditions governing the issuance and use of LandBank Credit and Debit Cards are incorporated herein by reference and made an integral part hereof. HOW TO AVAIL 1. Open the FlowerStore.ph mobile app or Potico.ph website. 2. Sign in or log in to your account. 3. Select DELIVER TO and choose your City + Barangay. 4. Select item/s you wish to purchase. 5. Choose the preferred delivery date & time slot available. 6. Click Buy Now, or Add to Cart to choose multiple items. 7. Upon checkout, fill out all necessary Sender & Recipient details. 8. Type in a message and delivery instructions (if any). 9. Click Go to the Payment. 10. Choose Credit/Debit Card as payment method. 11. Enter LANDBANK card details. 12. Enter the applicable voucher code and hit the APPLY button. 13. Click Complete Order.
READ MOREAs of Wed, October 8, 2025
| Buying | Selling | |
|---|---|---|
| USD | 57.85 | 58.35 |
| JPY | 0.375482 | 0.389953 |
| EUR | 66.498729 | 69.056642 |
| GBP | 76.610443 | 79.557308 |
| HKD | 7.40541 | 7.955439 |
As of Tue, October 7, 2025
| UITF | NAVPU |
|---|---|
| Cash Management Fund | 1.58844 |
| Money Market Fund | 1.333319 |
| Money Market Plus Fund | 1.246932 |
| PERA Money Market Fund | 1.036861 |
| Medium-Term Bond Fund | 2.519725 |
| Bond Fund | 2.080607 |
| PERA Bond Fund | 1.239443 |
| Balanced Fund | 2.670863 |
| Growth Fund | 2.641885 |
| Alpha Equity Fund | 3.133901 |
| Blue Chip Equity Fund | 0.96483 |
| Equity Fund | 0.816651 |
| High Dividend Equity Fund | 1.058571 |
| US$ Money Market Fund | 1.450469 |
| Global $ Fund | 1.586405 |
