Veterans Bank, BARMM Ink Agreement for Financial Assistance Service to Mujahideen and Offsite ATM Installation   COTABATO CITY — Philippine Veterans Bank (PVB) and the Bangsamoro Autonomous Region in Muslim Mindanao (BARMM) have formally signed a Memorandum of Agreement (MOA) that will provide financial assistance disbursement services to the beneficiaries of the Office of the Bangsamoro Mujahideen Under Special Circumstance (OBMUSC) and install an offsite Automated Teller Machine (ATM) within the BARMM Compound.   This initiative underscores Veterans Bank’s commitment to financial inclusion and accessibility, ensuring that members of the Mujahideen Under Special Circumstances — defined under Section 5 of the Bangsamoro Autonomy Act No. 57 as male and female members of the MILF and MNLF who are senior citizens and/or persons with permanent or partial disability — can conveniently access their financial assistance through ATM services.   “This partnership reflects our shared mission to serve communities with dignity and efficiency, especially those who have contributed greatly to our nation’s history,” said Veterans Bank President Eulogio Catabran III. “By bringing banking services closer to the beneficiaries, we are helping ensure that financial aid reaches them securely and on time.”   BARMM officials welcomed the collaboration, noting that the installation of the ATM and the streamlined disbursement service will ease the process for beneficiaries and strengthen institutional support for the Mujahideen under special circumstances.   In an online post, BARMM Chief Minister Abdulraof Macacua said that the MOA with Veterans Bank will make the process of distributing assistance faster, direct, transparent and more impactful to all BARMM constituents.   The signing ceremony was attended by key representatives from both Veterans Bank and the BARMM led by Veterans Bank Chairman Emmanuel Herbosa and Chief Minister Macacua.   Photo shows the MOA signatories and witnesses including (from left) Atty. Kasharel Mayo (BARMM Cabinet Secretary Assistant II), Atty. Faharodin M. Sulaiman (BARMM Cabinet Secretary Assistant I), Marichu S. Tady (Veterans Bank Cotabato Branch Manager), Atty. Asnin Pendatun (BARMM Cabinet Secretary and Spokesperson), Veterans Bank directors VAdm. Alberto Carlos (Ret.) and PLtGen. Reynaldo Velasco (Ret.), Veterans Bank Chairman Emmanuel Herbosa, BARMM Chief Minister Abdulraof Macacua, Veterans Bank President Eulogio V. Catabran III, SVP Edwin T. Amahan (Veterans Bank Branch Banking Sector Head), Ariel Hernandez (Veterans Bank Institutional Branch Sales Consultant), Bangsamoro Treasurer Naila Dimaraw, OBMUSC Director Atty. Nabila E. Mohamad, and OBMUSC Administrative Officer Bai Zaida L. Abid.   As part of its continuing expansion, Philippine Veterans Bank will also open a new branch in Cotabato City next week to be headed by Ms. Marichu Tad-y, further strengthening its presence in the region and reinforcing its commitment to serving Bangsamoro communities.

  GET A PVB SALARY LOAN WITH FREE EMERGENCY HMO COVERAGE PROMO   Every booked Veterans Bank Salary Loan during the promo period comes with a free Medicare Plus ER Guard Plan (Emergency HMO Coverage) benefit valid for one (1) year and provides up to Php 20,000 value of emergency medical treatment at no cost to the borrower.   Promo Duration: April 13 – July 30, 2026   Borrower Qualifications: · Successfully booked Salary Loan during the promo period · Minimum Loan Amount of Php 100,000 · Minimum Loan Term of 24 months   Promo Mechanics, Terms and Conditions: 1. All successfully booked Salary Loans during the promo period with a minimum loan amount of Php 100,000 and a loan term of 24 months automatically receive the complimentary Medicare Plus ER Guard Plan (Emergency HMO Coverage). 2. Upon release of net proceeds of the Salary Loan to the borrower, he/she will receive the reference number and security code to activate the HMO benefit via the Medicare Plus website (https://shop.medicareplusinc.com/). 3. The HMO benefit shall be at no cost to the borrower and will be a value-added feature of the Veterans Bank Salary Loan. 4. Activation and utilization of the HMO coverage shall adhere to Medicare Plus's terms and conditions and prevailing rules and procedures as follows:   MEDICARE PLUS ER GUARD TERMS AND CONDITIONS · Valid for one (1) year from activation. · One-time emergency use only. · Non-transferable once activated. · Damaged or tampered cards are invalid. · Must follow Medicare Plus rules and limitations.   Emergency Coverage Inclusions: The Medicare Plus ER Guard plan provides up to Php 20,000 worth of emergency medical treatment. Nationwide access to all private hospitals and providers including: · Physician's Services: consultations and professional fees during emergency care · Emergency Room Fees: charges related to ER use for emergency treatment · Emergency Medicines: Medicines used for immediate relief and treatment during the emergency visit · Oxygen, Intravenous (IV) Fluids, Blood Products: covers necessary stabilizing treatments (except gamma globulin and immunoglobulin) · Medical Supplies: dressings, plaster casts, sutures and other supplies needed for emergency care · Diagnostics Related to the Emergency: includes laboratory tests, x-rays, and other diagnostic exams directly related to managing the emergency condition · Initial Treatment of Animal Bites: includes first 24-hour initial treatment; passive and active vaccines for anti-tetanus, anti-venom and anti-rabies; and vaccine cost up to P2,500 for first dose only.   5. Borrower may transfer the HMO benefit to their dependent by enrolling their dependent instead of themselves. Once activated, the HMO benefit becomes non-transferable. 6. The value of the HMO coverage is not convertible cash, gift voucher or certificate. 7. Get a PVB Bank Salary Loan with Free Emergency HMO Coverage Promo is subject to terms and conditions governing Veterans Bank's Salary Loans. All decisions of the Bank regarding this promo, in concurrence with DTI rules and regulations, will be deemed final and non-negotiable. 8. Employees of Philippine Veterans Bank, its subsidiaries and outsourced agencies, including their relatives up to second degree of consanguinity or affinity are not eligible to avail of the promo.   Per DTI Fair Trade Permit No. FTEB-253504 Series of 2026   Regulated by the Bangko Sentral ng Pilipinas. Financial Consumer Protection Department: Tel. No.: (02) 8707-7087 Email: consumeraffairs@bsp.gov.ph |BSP Online Buddy (BOB): BSP Webchat via bsp.gov.ph | Facebook: fb.com/BangkoSentralngPilipinas | SMS via 021582277

    From now until April 30, 2026, borrowers who successfully avail themselves of either a Veterans Bank Home Loan or our new Veterans Bank Auto Loan will get a winning experience with our PVB Heroes PANALOANS Promo!   Each qualified Home Loan or Auto-Loan borrower will enjoy waived fees depending on their approved loan amount. Waived fees will be automatically applied and will be subject     Waived Fees Matrix:   Housing Loan (includes housing registration fees, documentary stamp tax (DST), and notarial fee)   Approved Loan Amount Waived Fee P1,000,000 to P1,999,999 Up to P10,000 P2,000,000 to P2,999,999 Up to P20,000 P3,000,000 to P3,999,999 Up to P30,000 P4,000,000 to P4,999,999 Up to P40,000 P5,000,000 to P5,999,999 Up to P50,000 P6,000,000 to P6,999,999 Up to P60,000 P7,000,000 to P7,999,999 Up to P70,000 P8,000,000 to P8,999,999 Up to P80,000 P9,000,000 to P9,999,999 Up to P90,000 P10,000, 000 and Up Up to P100,000     Auto-Loan per Approved Unit   Approved Loan Amount Waived Fee P850,000 to P1,999,999 Up to P25,000 P2,000,000 to P3,999,999 Up to P40,000 P4,000,000 to P5,999,999 Up to P55,000     Full Mechanics:   The PVB Heroes PANALOANS promo period is from December 23, 2025 to April 30, 2026 and is open to all Veterans Bank borrowers who successfully apply for either a housing loan or auto-loan during the said period. To apply for a housing loan or auto-loan, an individual must apply through any Veterans Bank branch nationwide or through its Consumer Lending Center located at the G/F Philippine Veterans Bank Main Office – 101 VA Rufino corner Dela Rosa Streets, Legazpi Village, Makati City 1229 Once the loan application is processed, approved and booked by the Bank during the promo period, the application of the waived fees will be automatic. Loan applications approved after the promo period will no longer be eligible for the waived fees. The waived fee amount will depend on the final approved loan amount based on the Waived Fees Matrix (see above). Borrowers must have a Veterans Bank Account as the mode of payment will be via Automatic Debt Arrangement (ADA); for existing clients, they may nominate their savings or checking account for the ADA and for non-clients, they must open a PVB Savings Account to avail of the loan and promo. The waived fee amount and offer cannot be transferred to another person and is not convertible to cash or any other forms such as vouchers or gift certificates.  Additionally, borrower must complete the loan based on the original agreed upon terms and loan payment schedule. In case of prepayment, borrower will be charged the total fees previously waived by the Bank. The PVB Heroes PANALOANS Promo is subject to terms and conditions governing Veterans Bank’s Housing Loans and Auto-Loans. All decisions of the Bank regarding this promo, in concurrence with DTI rules and regulations, will be deemed final and non-negotiable. Employees of Philippine Veterans Bank, its subsidiaries and outsourced agencies, including their relatives up to second degree of consanguinity or affinity are not eligible to avail of the promo.   For inquiries on the promo or on our Home Loan or Auto-Loan, please visit or contact any of our PVB branches nationwide or you may contact our Consumer Lending Center through  (02) 7902-1608/1638, (02) 8857-3833/3858 or email address retailbanking@veteransbank.com.ph.   You may also contact our 24/7 Customer Care through the following channels:                 Hotline: (02) 7902-1782               Toll-Free Nos.: 1-800-89021782 (Globe, TM)                                       1-800-10-8573888 (PLDT, Smart, TNT)               Email: pvbcares@veteransbank.com.ph               FB Chat: fb.com/VeteransBank               Website: www.veteransbank.com.ph     Per DTI Fair Trade Permit No. FTEB-245364 Series of 2025.