Investor Presentaiton

Board of Directors . . • Florencia G. Tarriela Chairman/Independent Director Serves as director of multiple PNB subsidiaries Director of Bankers Association of the Philippines Former Undersecretary of Finance Felix Enrico R. Alfiler Vice Chairman/Independent Director • Serves as director of multiple PNB subsidiaries Former Director of the BSP Jose Arnulfo "Wick" A. Veloso President and CEO/ Director ⚫ Director of Allianz-PNB Life Insurance, Inc. • Director of Asian Bankers Association Inc. BancNet, Inc., European Chamber of Commerce, Phils., Phil. Payments Management Inc., ⚫ Former President and CEO of HSBC, ⚫ Former President of the Money Market Association of the Phils. • Former Director and Chairperson of the Open Market Committee of BAP Former Director of PDEX. Florido P. Casuela Director • Chairman of PNB Securities, Inc. Vice Chairman of PNB Savings Bank Senior Adviser of the Bank of Makati (A Savings Bank), Inc. • Former President of Landbank of the Phil., Maybank & Surigao Micro Credit Corp. Leonilo G. Coronel Director • • Independent Director of Megawide Construction Corp. Independent Director of DBP-Daiwa Capital Markets Phil. Former Executive Director of BAP Edgar A. Cua Independent Director . . Independent Director of PNB Capital and Investment Corp. Independent Director of Allied Commercial Bank, Xiamen Director of Davao Unicar Corp. PNB You first. Lucio C. Tan Director . Chairman and CEO of LT Group, Inc. • Chairman and CEO of PAL Holdings, Inc., . Chairman and CEO of MacroAsia Corp. Estelito P. Mendoza Director • Director of Philippine Airlines, Inc. . Director of Petron • Director of San Miguel Corporation Practicing lawyer for more than 60 years Christopher J. Nelson Director . Executive Director of the British Chamber of Commerce of the Philippines Trustee of the American Chamber Foundation of Commerce of the Phil., Inc.. Trustee of the Philippine Band of Mercy Trustee of the Federation of the Philippine Industries Inc. Trustee of Dualtech Training Foundation • Michael G. Tan Director President and COO of LT Group, Inc. Director of Victorias Milling Company, Inc • Director of PAL Holdings, Inc. • Vivienne K. Tan Director Director of LT Group, Inc., PAL Holdings, Inc., MacroAsia Corporation, University of the East, University of the East Ramon Magsaysay Medical Center, Eton Properties Phils, Inc. Director and EVP/Treasurer & Chief Administrative Officer of Philippine Airlines ⚫ Founding Trustee of Philippine Center for Entrepreneurship (Go Negosyo) Federico C. Pascual Independent Director • Serves as director of multiple PNB subsidiaries Former President and General Manager of GSIS Former Director/President & CEO of Allied Banking Corp. Sheila K. Tan-Pascual Director •Marketing and Development Officer of Allied Banking Corporation Hong Kong • Former Marketing and Development Officer of Asia Brewery Inc. Carmen K. Tan Director Director of MacroAsia Corp. • Director of LT Group, Inc. • Director of PAL Holdings, Inc. Domingo H Yap Independent Director President of H-Chem Industries, Inc., DHY Realty & Dev't, Inc., Colorado Chemical Sales Corp., Universal Paint & Coating Phils., Inc., Alliance Land Dev't Corp. Former President of Federation of Filipino-Chinese Chambers of Commerce & Industries, Inc. Page 13

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