Exhibit 1

TABLE OF SERVICE AND MAINTENANCE FEES as of NOVEMBER 1, 2021 (OPP No. 05-0216/2021)

MINIMUM MONTHLY ADB FALLING BELOW MMB WITHHOLDING DORMANCY

CUR PRODUCT NAME DEPOSIT INSTRUMENT INTEREST RATE INITIAL DEPOSIT DORMANCY FEE
TO EARN INTEREST PENALTY TAX PERIOD

SAVINGS ACCOUNT PRODUCTS

PHP Regular Savings Account - Individual Passbook 0.100% ₱ 10,000.00 ₱ 10,000.00 ₱ 350.00 20% 2 years ₱ 30.00
1
PHP Regular Savings Account - Corporate Passbook 0.100% ₱ 10,000.00 ₱ 10,000.00 ₱ 500.00 20% 2 years ₱ 30.00
2 PHP Debit Savings Account PNB-PAL Mabuhay Miles Debit Mastercard 0.100% ₱ 3,000.00 ₱ 10,000.00 ₱ 350.00 20% 2 years ₱ 30.00
Tap Mastercard (with a Monthly Account Fee of
3 PHP Tap Mastercard Account 0.100% - ₱ 10,000.00 - 20% 2 years -
Php15.00)
PNB-PAL Mabuhay Miles Debit Mastercard or
4 PHP Top Saver Account - Individual tiered** ₱ 30,000.00 ₱ 30,000.00 ₱ 350.00 20% 2 years ₱ 30.00
Passbook
Top Saver Account - Corporate Passbook tiered** ₱ 30,000.00 ₱ 30,000.00 ₱ 500.00 20% 2 years ₱ 30.00
5 USD US Dollar Savings Account Passbook 0.025% $ 500.00 $ 500.00 $ 10.00 15% 2 years $ 0.50
PNB-PAL Mabuhay Miles Debit Mastercard or
6 PHP MyFirst Savings Account 0.100% - ₱ 5,000.00 - 20% 2 years -
Passbook
PNB-PAL Mabuhay Miles OFW Savings Debit
7 PHP OFW Savings Debit Account 0.100% - ₱ 10,000.00 - 20% 2 years -
Mastercard or Passbook
8 PHP Pensioner Savings Account Debit Card (no Mastercard logo) / Passbook 0.100% ₱ 100.00 ₱ 5,000.00 ₱ 150.00 20% 2 years ₱ 30.00
9 PHP Personal Savings - Payroll PNB-PAL Mabuhay Miles Debit Mastercard 0.100% - ₱ 10,000.00 - 20% 2 years -
10 PHP Panatag na Buhay Savings Account Debit Card (no Mastercard logo) 0.100% - ₱ 10,000.00 - 20% 2 years -
11 PHP Direct Deposit Pensioner Account Passbook 0.100% ₱ 100.00 ₱ 5,000.00 ₱ 55.00 20% 2 years ₱ 30.00
12 USD Direct Deposit Pensioner-USD Passbook 0.025% $ 200.00 $ 1,000.00 $ 10.00 15% 2 years $ 0.50
PNB Prepaid Mastercard / PNB-PAL Mabuhay Miles
13 PHP/Multi Prepaid Card - - - - - 7 months ₱ 20.00
Travel Card
CURRENT ACCOUNT PRODUCTS
PHP Regular Checking Account - Personal Checkbook 0.000% ₱ 10,000.00 ₱ 350.00 1 year ₱ 30.00
1
PHP Regular Checking Account - Commercial Checkbook 0.000% ₱ 10,000.00 ₱ 500.00 1 year ₱ 30.00
2 PHP Budget Checking Account Checkbook 0.000% ₱ 5,000.00 ₱ 350.00 1 year ₱ 30.00
Checkbook / Passbook / PNB-PAL Mabuhay Miles
PHP Priority Checking Account - Individual 0.100% ₱ 25,000.00 ₱ 25,000.00 ₱ 350.00 20% 1 year ₱ 30.00
3 Priority Debit Mastercard
PHP Priority Checking Account - Corporate Checkbook / Passbook 0.100% ₱ 50,000.00 ₱ 50,000.00 ₱ 500.00 20% 1 year ₱ 30.00
USD Greencheck Account - Individual Checkbook 0.000% $ 2,000.00 $ 20.00 1 year $ 0.50
4
USD Greencheck Account - Corporate Checkbook 0.000% $ 2,000.00 $ 20.00 1 year $ 0.50

TIME DEPOSIT PRODUCTS

MIN. DEPOSIT INTEREST INTEREST
PRODUCT NAME PROOF OF DEPOSIT TERM INTEREST RATE CURRENCIES AVAILABLE DOC. STAMP WITHHOLDING TAX
(ORIG. CUR.) PAYMENT DISPOSITION
PHP - ₱ 10,000.00 P+I (853)/Interest ₱1.50 for every ₱200.00
REGULAR TIME DEPOSIT PHP: 20%
1 Confirmation of Time Deposit 30-360 days Tiered PHP, EUR, CNY EUR - € 1,000.00 Upon maturity Out (890) auto- placement
(PC 853, 890) FCDU: 15%
CNY - ¥ 7,500.00 rollover N.A. for FCDU

Principal + Interest ₱1.50 for every ₱200.00

SHORT TERM TIME DEPOSIT
2 Confirmation of Time Deposit 1-29 days Tiered PHP ₱ 10,000.00 Upon maturity auto- placement PHP: 20%
(PC 856)
rollover N.A. for FCDU

P+I (700)/Interest ₱1.50 for every ₱200.00

MARKET SAVINGS TIME DEPOSIT
3 Confirmation of Time Deposit 30-360 days Tiered PHP ₱ 200,000.00 Upon maturity Out (740) auto- placement PHP: 20%
(PC 700, 740)
rollover N.A. for FCDU
Principal + Interest
PNBIG SAVINGS ₱1.50 for every ₱200.00
Confirmation of Time Deposit 30-360 days Tiered PHP ₱25,000.00 Upon maturity auto- PHP: 20%
(PC 702) placement
rollover
WEALTH MULTIPLIER ₱ 100K - OFW Interest Out Auto- ₱1.50 for every ₱200.00
4 Confirmation of Time Deposit 1.5 & 2 years Tiered PHP Monthly PHP: 20%
(PC 743) ₱ 500K - Regular Client rollover placement
WEALTH MULTIPLIER ₱ 100K - OFW Interest Out Auto- ₱1.50 for every ₱200.00
5 Confirmation of Time Deposit 3 years Tiered PHP Monthly PHP: 20%
(PC744) ₱ 500K - Regular Client rollover placement
TOP DOLLAR
6 Confirmation of Time Deposit 2, 3, 4, 5 years Tiered USD $10,000.00 Quarterly Single maturity - FCDU: 15%
(PC 965; 966; 967; 968)
Principal + Interest
GREENMARKET TIME DEPOSIT
7 Confirmation of Time Deposit 30-360 days Tiered USD $1,000.00 Upon maturity auto- - FCDU: 15%
(PC 853)
rollover

Notes:
1. Above information may be amended from time to time.
2. Charging of dormancy fee happens when there is no client-initiated transaction in the last five (5) years and the account balance has fallen below the required minimum maintaining.