The PNB SUPERTELLER ATM is a Savings Account which has a PIN-based ATM Card.

The
card can be used for various transactions within the Philippines.
Product Features:
Interest-earning account*
Can be used to :

o Check your balance
o Withdraw cash at ATMs
o Make cash deposits (at selected PNB ATMs)
o Transfer funds
o Pay bills online
o Pay bills thru local ATM networks
o Purchase goods and services thru BancNet accredited merchants nationwide
*ADB must be Php 10,000.00 to earn interest
The PNB SUPERTELLER ATM could be used at:
Local ATMs (BancNet, MegaLink, and ExpessNet)
BancNet merchants nationwide
BancNet online transactions
PNBs Internet, Phone and Mobile Banking
Transaction Limits:
Php 10,000.00 maximum withdrawal limit per transaction
Php 50,000.00 maximum withdrawal limit per day
Php 50,000.00 maximum POS usage per day**
**Limits are shared between ATM Withdrawal and POS
PNB SUPERTELLER ATM is available at all PNB branches nationwide.


PNB Debit MasterCard is a PIN-based ATM Card which provides 24/7 banking
convenience using various channels. The card can be used across the globe wherever
MasterCard and Maestro is accepted. It can be used for cashless purchases at over 32
million shops worldwide. It can also be used at over 2 million ATMs across the globe.
Product Features:
Interest-earning account*
International ATM Card
Online copy of statement
Accepted at any Bancnet, Megalink, or Expressnet ATM in the Philippines
Accepted internationally at MasterCard and Maestro affiliated shops and ATMs
Can be used to :

o Check your balance
o Withdraw cash at ATMs
o Make cash deposits (at selected PNB ATMs)
o Transfer funds
o Pay bills online
o Pay bills thru local ATM networks
o Purchase goods and services thru BancNet accredited merchants nationwide
*ADB must be Php 10,000.00 to earn interest
PNB Debit MasterCard could be used at:
1. Local Transactions:
o Local ATMs (BancNet, MegaLink, and ExpessNet)
o BancNet merchants nationwide
o BancNet online transactions
o PNBs Internet, Phone and Mobile Banking
o Local MasterCard and Maestro Merchants
2. International transactions:
o International ATM Networks ( MasterCard and Maestro )
o International MasterCard and Maestro Merchants
Transaction Limits:
Php 10,000.00 maximum withdrawal limit per transaction
Php 50,000.00 maximum withdrawal limit per day
Php 50,000.00 maximum POS usage per day**
**Limits are shared between ATM Withdrawal and POS
The PNB Debit MasterCard is available at all PNB branches nationwide.


PNB TAP MasterCard is an innovative, secure and convenient method of purchasing
items by simply tapping the ATM card at any PayPass enabled machine. Now, you can
speed past cashier lines without the hassle of counting coins and bills, entering PINs or
signing sales slips.
You can still use your card to withdraw cash, check your balance and purchase goods
and services wherever MasterCard and Maestro are accepted all over the globe, or with
all your local transactions nationwide, 24/7.
The PNB TAP MasterCard is available at all PNB branches nationwide.
Product Features:
Interest-earning account*
PIN-based ATM Card
Online copy of Statement
International ATM Card
No initial deposit
No maintaining balance
Can be used to :

o Purchase goods and services by tapping or swiping your card**
o (Even if tapped more than once, client will only get billed once for the purchase)
o Check your balance
o Withdraw cash at ATMs
o Make cash deposits (at selected PNB ATMs)
o Transfer funds
o Pay bills online
o Pay bills thru local ATM networks
o Purchase goods and services thru BancNet accredited merchants nationwide
*ADB must be Php 10,000.00 to earn interest
** TAP-only feature applicable only for transactions below Php500.00
PNB Tap MasterCard could be used at:
1. Local Transactions:
o Local ATMs (BancNet, MegaLink, and ExpessNet)
o BancNet merchants nationwide
o BancNet online transactions
o PNBs Internet, Phone and Mobile Banking
o Local MasterCard and Maestro Merchants
o Local PayPass Merchants
2. International transactions:
o International ATM Networks ( MasterCard and Maestro )
o International MasterCard and Maestro Merchants
o International PayPass Merchants ( MasterCard )
3. Stores/Boutiques which have a PayPass (PNB Tap MasterCard) enabled
machines***
Starbucks
BOs Coffee
CAF France
Caf Ti Amo
Big Daddys Burger
Red Ribbon
Goldilocks
Greenwich
Tapa King
Fully Booked
National Bookstore
Caltex
Petron
Shell
Robinsons Movie World
Astroplus
Odyssey
Nissan Car Lease
***Selected branches/outlets
Transaction Limits:
Php 10,000.00 maximum withdrawal limit per transaction
Php 50,000.00 maximum withdrawal limit per day
Php 50,000.00 maximum POS usage per day****
****Limits are shared between ATM Withdrawal and POS

PNB Passbook Savings is an interest-bearing deposit account wherein transactions are
recorded in a passbook.
Product Features:
Interest-earning account*
Monitor account by updating the passbook
Deposit/Withdraw at PNB's extensive branch network nationwide
*ADB must be Php 15,000.00 to earn interest
The PNB Passbook Savings account is available at all PNB branches nationwide.

Secure and receive your SSS/GSIS pension consistently on a monthly basis via your
PNB ATM account and enjoy its benefits anytime you need it. Theres always one ATM
machine in an easily accessible and convenient location nearby.
Product Features:
Interest-earning account*
Monitor account by updating the passbook**
Deposit/Withdraw at PNB's extensive branch network nationwide**
Can be used to :

o Check your balance
o Withdraw cash at ATMs
o Make cash deposits (at selected PNB ATMs)
o Transfer funds
o Pay bills online
o Pay bills thru local ATM networks
o Purchase goods and services thru BancNet accredited merchants nationwide
*For SSS/GSIS Pensioners ATM & Passbook account-holders, ADB must be Php
5,000.00 to earn interest. For GSIS/ Pensioners ATM only account-holder, ADB must be
Php 10,000.00 to earn interest.
**Applicable to SSS/GSIS Pensioners account-holders with Passbook access.
The PNB SSS/GSIS Pensioners account is available at all PNB branches nationwide.

The PNB Direct Deposit Program is a service wherein the pension/benefit payments of
the pensioners/beneficiaries of the US Federal Agencies are directly credited to their
accounts maintained with any PNB domestic branch nationwide. Available in Peso or
Dollar currency.
Product Features:
Interest-earning account*
Monitor account by updating the passbook
Deposit/Withdraw at PNB's extensive branch network nationwide
*For Direct Deposit Peso account, ADB must be Php 5,000.00 to earn interest. For
Direct Deposit Dollar account, ADB must be $ 1,000.00 to earn interest.
The PNB Deposit Program is available at all PNB branches nationwide.

PNB Prime Savings Account is savings account that allows clients to enjoy higher
interest rates on a tiered basis. Clients can deposit anytime and are allowed to
withdraw a maximum of 2 withdrawals per month without incurring services fees. It is
evidenced by a specially designed passbook.
Product Features:
Interest-earning account*
Monitor account by updating the passbook
Deposit/Withdraw at PNB's extensive branch network nationwide
*ADB must be Php 100,000.00 to earn interest
The PNB Prime Savings Account is available at all PNB branches nationwide.

Regular checking accounts
This is a non-interest earning checking account and is withdrawable by checks. Monthly
statement of account is given to clients
Product Features:
Non-Interest earning account
Statement of accounts are sent on a monthly basis
Issue check as medium of payment
Convenient and safer to carry than cash
Deposit/Withdraw at PNB's extensive branch network nationwide
The PNB Regular Checking Account is available at all PNB branches nationwide.


Use this checking account for limited check issuances to maximize your money's
potential. Take advantage of the low maintaining balance so you can free up your funds
for other interest-earning or high yield investments.
Product Features:
Low maintaining balance
Non-Interest earning account
Statement of accounts are sent on a monthly basis
Issue check as medium of payment
Convenient and safer to carry than cash
Deposit/Withdraw at PNB's extensive branch network nationwide
The PNB Budget Checking Account is available at all PNB branches nationwide.

PNBig Checking Account

Overview
Requirements
Fees and Charges
Benefit from an interest-bearing checking account that offers you convenience in
managing your funds while having the earning power of a savings account.
Product Features:
Interest-earning account
Statement of accounts are sent on a monthly basis
Issue check as medium of payment
Convenient and safer to carry than cash
Deposit/Withdraw at PNB's extensive branch network nationwide
The PNBig Checking Account is available at all PNB branches nationwide.


Enjoy the perks of this interest-earning checking account that offers power-packed
features and exciting rewards:
Free personalized checkbook
Free ATM card
Free travel* packages upon accumulation of points from Average Daily Balance

* Travel taxes and surcharges shall be borne by the accountholder.
* Please be informed that the Group Personal Accident insurance feature of Priority
One will no longer be available effective December 1, 2009.
The Priority One Checking Account is available at all PNB branches nationwide.

The PNB Combo Checking account allows the simultaneous opening and linking of a
checking account and a passbook savings account. It has a provision for the automatic
transfer of funds from the savings account to the checking account to cover the amount
of checks issued.
Product Features:
Monitor check issuances
Manage funds effectively
Easily reconcile check issuances
Interest-earning savings account
Free transfer of funds from Savings Account to Checking Account
The Combo Checking Account is available at all PNB branches nationwide.

PNB Dollar Savings Account is an interest-bearing dollar deposit account wherein
transactions are recorded in a passbook.
Product Features:
Interest-earning account*
Monitor account by updating the passbook
Deposit/Withdraw at PNB's extensive branch network nationwide
*ADB must be $ 1,000.00 to earn interest
The PNB Dollar Savings Account is available at all PNB branches nationwide.

PNB Greencheck is a non-interest earning dollar checking deposit account that works
like a US-based checking account. Enjoy the convenience of using a personal dollar
check to pay bills or directly send payments for goods, services, and subscriptions,
especially to foreign countries like the United States.
Product Features:
Non-interest earning account
Pay bills or directly send payments to foreign countries
Enjoy the convenience of using a personal check.
The PNB Greencheck Account is available at all PNB branches nationwide.

PNB Euro Savings Account is a passbook-based, Euro-denominated savings account
that earns interest.
Product Features:
Interest-earning account*
Monitor account by updating the passbook
Deposit/Withdraw at PNB's extensive branch network nationwide
*ADB must be 500.00 to earn interest
The PNB Euro Savings Account is available at selected PNB branches.

PNB Renminbi Savings Account is a passbook-based, Renminbi-denominated savings
account that earns interest.
Product Features:
Interest-earning account*
Monitor account by updating the passbook

*ADB must be CNY 2,500.00 to earn interest
The PNB Renminbi Savings Account is available at selected PNB branches.

PNB Japanese Yen Savings Account is a passbook-based, Japanese Yen denominated
savings account.
Product Features:
Non-Interest earning account
Monitor account by updating the passbook
The PNB Renminbi Savings Account is available at selected PNB branches.

NONLIFEINSURANCE
PNB BancAssurance provides solid financial services to help ensure and protect your
future. PNB BancAssurance offers insurance products you can bank on.
Auto Protector Plan
We can help protect your auto vehicles from any accidental damage and other day-to-
day risks.Download Application Form
House Protector Plan
We can help protect your home against fire, theft and other fortuitous
events. Download Application Form
6-in-1 Family Accident Protector Plan
We can help protect you and your family 24 hours a day, 365 days a year, anywhere in
the world.Download Application Form
ATMSafe
We can help protect your hard earned money withdrawn through any ATM that accepts
PNB Cards.
Financial products of PNB General Insurers Co., Inc. and PNB Life Insurance, Inc. are
not insured by the Philippine Deposit Insurance Corporation and are not guaranteed by
the Philippine National Bank.

LIFEINSURANCE
Healthy Ka Pinoy Health Emergency Card

Healthy Ka Pinoy (HKP) Health Emergency Card is an affordable insurance product
which provides: Php 20,000 Emergency Hospital Care for Accident and Sickness; and
Php 100,000 Accidental Death, Dismemberment and Disability benefits and Php 20,000
Accidental Burial Benefit.
The Annual Premium to avail is only Php 750. To double the coverage (another card),
an additional premium of Php 500 is to be paid or a total annual premium of Php 1,250.
The coverage period is for 365 days from date of payment, and can be automatically
renewed through Auto Debit Arrangement.
Emergency Benefits can be availed nationwide through the Hospital Network facility of
Eastwest Healthcare by using the Healthy Ka Pinoy Health Emergency Card. For non-
accredited Hospitals of Eastwest Health Care, Emergency Care benefits can be claimed
through reimbursement method.
The Healthy Ka Pinoy Health Emergency Card is a joint product between PNB Life
(insurance provider) and Eastwest Healthcare (hospital network and emergency
services provider).
Product Features:
Annual premium of Php 750 (option 1) covers client for a total of Php 140,000 per year
with 2 Emergency Medical expense availments per year worth Php 20,000 max.
Annual premium of Php 1,250 (option 2) covers client for a total of Php 280,000 per
year with 4 Emergency Medical expense availments per year worth Php 40.000 max.
PARTICULARS OPTION 1 OPTION 2
Annual Premium Cost 750 1,250
Emergency Medical Expense 20,000 40,000
Accidental Burial Benefit 20,000 40,000
Accidental Death and Disability 100,000 200,000
TOTAL Benefit 140,000 280,000
BONUS FEATURE : If no claim was made for the period of 1 year, members get a 20%
credit back of the premium cost to their PNB savings account
Where and how to enroll to Healthy Ka Pinoy:
Client / depositor simply goes to any PNB branch and fills up the Application Form, and
ADA Form (if preferred) from the New Accounts counter, and pays the cost of premium
through the Bills payment Facility at the Teller counter.
Upon payment, the depositor will receive his/her Healthy Ka Pinoy Emergency Card
from New Accounts, and the coverage starts immediately.
The Hospital Network Access for Emergency Care will be available next day starting at
12:00 noon, meanwhile any emergency that may arise by then, can be covered through
reimbursement arrangement.

TRADITIONAL
Protection

PREMIER LIFE
The premier choice in protection

Endowment


VERTEX
When you are able to reach the topmost point,
You know you wont settle for anything less.
OPULENCE
Reward yourself early,
Enjoy a worry-free and Opulent lifestyle!


PNB Life Peso Intensify! brings you to a higher
level
of financial security with its combined
protection.
HERO
The Global Filipino takes actions to ensure
savings and protection.

BIDA!
Be the Best that you can Be. Ikaw ang Bida!

Educational Funding


ACHIEVERS
Making their future brighter
Has never been this better
Help them become Achievers
Because their dream matters
STARS
Secure their
Tomorrow and help them
Achieve those
Reachable
Stars

Retirement Funding




MILESTONE
Celebrate the prime of your life with Milestone


INVESTMENT


OPTIMUM GOLD
It's all about optimum
opportunity, security, and
flexibility!
OPTIMUM GREEN
It's all about optimum
opportunity, security, and
flexibility!
DIVERSIFY
Your wealth's power to
multiply, intensify and
diversify





OPTIMAL POWER
Optimize the power of your
wealth


GROUP INSURANCE



GROUP ADVANTAGE
The affordable advantage to
insure your employees!
GROUP SECURE
An Employers concern for his
Employees and their families can
take many forms
And for Employers who have long
term vision, the key is FINANCIAL
SECURITY and PEACE of MIND.
GROUP SHIELD
Advantage to borrowers,
assurance to creditors


GROUP PROTECT
An affordable yearly renewable
term Group Personal Accident
Insurance Plan




SPECIAL PRODUCTS




AIRLITE
Because not everything that we buy, we want to use.
We simply need it to be there, whenever, wherever.





Asian Summit
PNB Lifes Asian Summit is a single-pay peso-denominated ASIAN equity index-linked
variable life insurance product maturing in 5 years, which grants you access to Asian capital
markets without the need of personally managing the portfolio and at the same time gives you
a life insurance protection higher than your investment capital while the policy is in force.





Summit Select
PNB Lifes SUMMIT SELECT is a single-pay 5-year unit-linked peso plan which provides a
minimum redemption value equal to 100% of the Single Premium invested and the upside
potential to earn more, provided the policy is held until maturity and the issuer of the

underlying note where the fund will be invested fully meets its obligation.




Dollar Income Optimizer
Dollar Income Optimizer is PNB Lifes single-pay 7-year unit-linked dollar denominated plan
which provides a minimum redemption value equal to 100% of the single premium invested
and the upside potential to earn more, provided the policy is held until maturity and no Credit
Event occurs on the Republic of the Philippines (ROP) and UBS AG is able to pay its
obligations as they come due.





VIP Summit Peso
In the tradition of Asian Summit in September 2011 and Summit Select in May 2012, PNB
Life offers VIP SUMMIT utilizing the financial strength of two trusted names in financial
services PNB Life and ING Bank.





VIP Summit Dollar
In the tradition of Asian Summit in September 2011 and Summit Select in May 2012, PNB
Life offers VIP SUMMIT utilizing the financial strength of two trusted names in financial
services PNB Life and ING Bank.





Healthy Ka Pinoy
Healthy Ka Pinoy (HKP) Health Emergency Card is an affordable insurance product which
provides Emergency Hospital Care for Accident and Sickness; Accidental Death,
Dismemberment and Disability benefits; and Accidental Burial Benefit.