Shopee Payday - 10.30

I. Qualifications - The promo is exclusive to Mastercard 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 ?MC?A?DA?? upon checkout? 5. Click "Select payment method" and choose "Credit  / Debit Card" as option 6. Select or add your participating Mastercard 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 Mastercard cardholders are entitled to avail of the promo discount from Shopee within the applicable promo period. 2. Promo discount is P150 off, with a minimum spend of P1,500. 3. Promo discount is valid for eligible Shopee users during the promo duration. 4. Promo discount is valid for one-time use on October 30, 2021. 5. Promo discount cannot be reapplied after a qualified order has been cancelled by the cardholder. 6. Promo discount is valid for new and existing Shopee registered customers. 7. Promo discount cannot be applied retroactively. 8. The offer cannot be exchanged for cash or other products. 9. Promo discounts are only valid on preferred and Shopee Mall stores excluding products under the "Load, Bills, and eServices" category 10. Promo discount is valid on orders to be delivered via integrated couriers. 11. By joining this promo, the user confirms that he/she has read, understood, and agreed to the promo mechanics and its terms & conditions. 12. Shopee reserves the right to cancel transactions of accounts that are suspected to be invalid or fraudulent (i.e. abuse of system). 13. 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-129560 Series of 2021

LANDBANK backs Misamis Occidental co-op’s agri initiatives amid pandemic

  TANGUB, Misamis Occidental – As the COVID-19 pandemic continues to affect livelihoods and employment throughout the country, the Lorenzo Tan Multi-Purpose Cooperative (LTMPC) has remained responsive to the financial needs of its members, with help from the Land Bank of the Philippines (LANDBANK). The P300-million rediscounting loan line from the state-run Bank in 2020 allowed LTMPC to sustain its lending operations and finance the needs of its nearly 80,000 members, of whom 31,000 are farmers, fishers, and agrarian reform beneficiaries (ARBs). The loan helped LTMPC support farmers and fishers in purchasing production requirements, such as farm inputs and seedlings. It also provided for the needs of micro and small entrepreneurs, Overseas Filipino Workers (OFWs), and pensioner-members amid the economic challenges brought about by the pandemic. “LANDBANK recognizes the essential role of cooperatives in promoting economic recovery and resiliency in their local communities. We stand ready to bolster their support interventions as we continue to rise together in the new normal,” said LANDBANK President and CEO Cecilia C. Borromeo. With an assured source of funds, LTMPC has also provided its members with essential goods, such as groceries and rice, including free medical check-ups at the LTMPC Community Hospital in Zamboanga del Sur, which is owned by the cooperative. A LANBANK partner since 1991, LTMPC has expanded its operations from its lone branch in Tangub City, Misamis Occidental to 22 branches across the provinces of Zamboanga del Norte, Zamboanga del Sur, Zamboanga Sibugay, Misamis Oriental, and Lanao del Norte. “Taos-puso akong nagpapasalamat sa tulong, walang-sawang pagsuporta, at tiwalang ipinagkaloob ng LANDBANK sa aming kooperatiba. Ang pampinansyal at teknikal na tulong, at abot-kayang interes ay malaking tulong sa kooperatiba lalo na sa aming mga miyembrong magsasaka,” said General Manager Lusminda S. Cubero. As of end-September 2021, LANDBANK’s outstanding loans to the agriculture sector have reached P228.21 billion, of which P21.53 billion directly benefited small farmers and fishers channeled through cooperatives and farmers’ associations. LANDBANK continues its intensified support to partner cooperatives towards ramping-up the implementation of recovery and resiliency strategies under the new normal.

LANDBANK app now allows direct payments to merchants via QR code

  The Land Bank of the Philippines (LANDBANK) has enhanced its Mobile Banking App (MBA) to allow users to make quick, convenient, and secure payments using quick response (QR) code to over 20,000 participating merchants nationwide. The LANDBANK MBA has adopted the Bangko Sentral ng Pilipinas’ (BSP) QR Ph Person-to-Merchant (P2M) feature to benefit both customers and merchants with a convenient and secure digital payment option, in line with the Government’s thrust of promoting digital transactions in the country. With this new QR feature, clients can pay for goods and services directly to merchants such as department stores, pharmacies, supermarkets, and restaurants. “LANDBANK is one with the BSP in making and receiving payments a more convenient, reliable, and seamless experience through the national QR code standard or QR Ph. This contactless payment feature builds on our timely and relevant digital initiatives to keep clients safe, as we continue to follow strict health protocols in the new normal,” said LANDBANK President and CEO Cecilia C Borromeo. Apart from having a wide set of merchants that accept QR payments, LANDBANK clients who will use the QR payment feature will also benefit from having cost-effective transactions, minimized encoding errors, and encrypted payment information and data transfers. “QR Ph empowers consumers by giving them the freedom to choose their digital payment service through its interoperable feature, and this is aligned with the United Nations principle on responsible use of digital payments,” said BSP Governor Benjamin E. Diokno during the virtual launch of the QR Ph P2M on 12 October 2021. The LANDBANK MBA continues to record a surge in usage in the first three quarters of 2021, as transactions grew 50% to 73.26 million with a significant 124% rise in amount facilitated to P119.65 billion, year-on-year.  LANDBANK’s digital banking platforms power the delivery of responsive and innovative financial products and services towards greater financial inclusion.

VISA-LAZADA 11.11

Promo Mechanics: Qualified Cards: Visa Credit, Debit and Prepaid Cards (including all issuers) LAZADA x VISA 11.11 BIGGEST ONE-DAY SALE Promo Period: November 11, 2021 1. The Promotion is open to all issuers of active Visa Principal or Supplementary Credit, Debit and Prepaid Cardholders. 2. Promo Offer: Shop at Lazada using your Visa card on Lazada’s 11.11 Biggest One-Day Sale & enjoy Php 300 OFF on LazMall items! • The Promo is valid on regular and sale items from LazMall sellers at Lazada. • Purchase must be made on November 11, 2021 from 12:00 am to 11:59 pm Philippine time. • Discount applies with a minimum spend of P3,500, charged to Visa Credit, Debit and Prepaid Card. Discount is capped at P300. • 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 VISA1111 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. 1. Purchase must be made using an eligible Visa Credit, Debit and Prepaid Card on November 11, 2021. 2. Payment codes cannot be used with other collectible or static code discount vouchers. 3. Transaction must be made within the Promo Period to avail of the Promo. 4. 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 once throughout the valid promo period. 2. Discount is applicable to all Visa Credit/Debit/Prepaid Cardholders. Maximum discount is P300. 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

LANDBANK funds expansion of Nueva Ecija-based rice mill

With LANDBANK's support, RVR Ricemill is regularly supplying aromatic rice varieties to Metro Manila and various provinces, while providing stable employment to almost 100 employees and a market for 6,000 rice farmers to sell their palay produce at premium prices. LUPAO, Nueva Ecija – Spouses Glenda and Alex Rommel Romano have come a long way from initially trading only a few sacks of palay and milled rice two decades ago. Now, they run a thriving rice milling business which regularly supplies Metro Manila and various provinces with tons of aromatic rice varieties. The couple’s RVR Ricemill business also provides stable employment for about 100 residents of this third-class municipality, as well as a market for up to 6,000 small rice farmers to sell their palay produce at premium prices. The expansion of the Romanos’ business operations in the last five years was made possible through loans from the Land Bank of the Philippines (LANDBANK) in 2016 and 2017. Aside from boosting their working capital, the couple used the funds for the construction of a rice mill complex and warehouse, including modern machinery and drying facilities. “The agribusiness sector is a primary driver in the country’s road to recovery. LANDBANK will continue to service their requirements toward boosting food security and generating employment opportunities, especially in the countryside,” said LANDBANK President and CEO Cecilia C. Borromeo. Through the increased capital and improved operations, the RVR Rice Mill now buys more palay directly from small farmers and supplies milled rice to different markets every day—far from having only two deliveries per month before expanding their business. “Dito sa business namin, kapag malaki ang puhunan, mas malaki ang napapaikot na pera at mas maraming rice farmers ang natutulungan. Napakalaking tulong ng LANDBANK kasi kung hindi dahil sa tiwala at suportang ibinibigay nila, hindi po lalaki ang business namin,” said Mr. Romano. For the first nine months of 2021, LANDBANK’s outstanding loans to small, medium and large agribusiness enterprises have reached P145.75 billion. These involved loans to private enterprises in agri-processing, aqua-business, and other related industries engaged in the food and agriculture value chain. LANDBANK remains steadfast in helping agribusiness enterprises expand their operations as part of its main mandate to deliver intensified support to the agriculture sector.

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.