Memo

Date: December 20, 2018

From: John Ganihong

To: ALL LOANS OFFICERS and ASSISTANTS

Re: New Term Table and PNB Account Number

Please be guided that we have changed the Maximum Term of Loan for Retirement and
Survivorship pensions. Maximum term and loan amount have been reduced for clients aged above 80
years old compared to the term and loan amount prior to December 2018. Please see the new table below
(Retirement is for With or Without Beneficiaries):

RETIREMENT DEATH SURVIVOR

Age Max Max Loan Age Max Max Loan
Limit Months Amount Limit Months Amount
75 24 60,000.00 75 36 60,000.00
76 24 60,000.00 76 33 60,000.00
77 24 60,000.00 77 27 60,000.00
78 21 60,000.00 78 21 60,000.00
79 18 60,000.00 79 18 60,000.00
80 15 40,000.00 80 15 40,000.00
82 6 20,000.00 82 6 20,000.00
085 4 15,000.00 85 4 15,000.00
90 2 10,000.00 90 2 10,000.00
91 0 0.00 91 0 0.00

Also, for all collections from clients or other lending companies due to gawad, the old PNB –
Luzuriaga account number shall no longer be used. Please deposit all collections, gawad proceeds, cash
remittances of client to:

Account Name: Patrick Cymmon G. Go

Bank / Branch: PNB – Luzuriaga
New Account Number: 309 27 000 1271

For your guidance.