“Fast Track Rewards” Promo

1. Promo Duration. The UNO Direct Fast Track Rewards Promo (“Promo”) will run from August 17, 2026, to October 1, 2026 (“Promo Period”).


2. Eligibility Criteria. A customer is eligible for the Promo if he/she meets the criteria in this section and all the other conditions set out in the succeeding sections (“Eligible Customers”):
   
   To qualify for any reward, a customer must:
   • be a New-to-Bank (NTB) customer who is at least eighteen (18) years old and has completed UNObank’s Know-Your-Customer (KYC) requirements;
   • open an Eligible Account through the Direct Channel (i.e., a#UNOready account) during the Campaign Period;
   • maintain the account in active and good standing until the reward computation date (i.e., the account must not be dormant, blocked, frozen, closed, or subject to any unresolved fraud, AML, or regulatory hold);
   • not be in default or delinquent on any obligation with UNObank as of the reward computation date;
   • hold an active Perx profile linked to the Eligible Account; and
   • maintain the qualifying funds in the customer’s#UNOready account, as only balances and qualifying deposits in the #UNOready account shall be considered in determining eligibility and reward entitlement under this Campaign.
   
   For purposes of this Campaign, only funds maintained in the customer’s #UNOready account shall be considered in the computation of Qualifying Deposits, Average Daily Balance (ADB), and eligibility for both Component A and Component B. Loan proceeds, credit accommodations, promotional credits, account adjustments, reversals, and transfers originating from any UNObank account shall not be considered Qualifying Deposits for purposes of this Campaign.


3. Promo Reward. Eligible Customers may earn UNO Coins as promotional rewards under this Campaign (“Reward”), subject to compliance with these Terms and Conditions:

Component A requires Qualifying Deposits of at least ₱1,000 within the three (3)-day Funding Window from the Account Opening Date. Component B requires an Average Daily Balance (ADB) of at least ₱10,000 during the sixty (60)-day Maintenance Period from the Account Opening Date. The two components are independent and may be earned separately. Customer earns 50 UNO points for every 1,000 PHP funded for Component A and for Component B the customer earns 2500 UNO points for 10K<25K ADB, 5000 UNO Points for 25K<100K ADB, 20,000 UNO points for 100K<500K ADB, 40,000 UNO Points for 500K<1,000K & 100,000 UNO Points for 1 million PHP ADB post the 60-day maintenance period. The Maximum earning for component A is Capped at 1,000,000 PHP funding for 50,000 UNO points, and Component B is capped at 1,000,000 PHP is Capped at 100,000 UNO points.

Exclusions. The following are not eligible to participate in the Campaign: (i) UNObank employees and their immediate relatives under applicable HR policies; (ii) partner-referred accounts; and (iii) customers with multiple accounts, in which case only the earliest successfully opened and verified Eligible Account shall qualify. UNObank reserves the right to disqualify any customer where it reasonably determines that fraudulent activity, abuse of the Campaign, manipulation of Campaign mechanics, circumvention of eligibility requirements, or any activity inconsistent with the intent of the Campaign has occurred.

Accounts that are closed, dormant, blocked, frozen, restricted, or otherwise not in good standing before the applicable reward crediting date shall forfeit eligibility for any uncredited Reward. For the purpose of determining eligibility and reward entitlement under this Campaign, only balances and qualifying deposits maintained in the customer’s #UNOready account shall be considered in determining eligibility and reward entitlement. Loan proceeds, credit accommodations, promotional credits, account adjustments, reversals, and transfers originating from any UNObank account shall not be considered Qualifying Deposits for purposes of this Campaign

4. Awarding Schedule. Component A Rewards. Eligible Component A Rewards will be automatically credited to the customer’s active Perx Profile linked to the customer’s #UNOready Account within thirty (30) calendar days from the Account Opening Date, subject to verification of eligibility and compliance with these Terms and Conditions. Component B Rewards. Eligible Component B Rewards will be automatically credited to the customer’s active Perx Profile linked to the customer’s #UNOready Account within thirty (30) calendar days after completion of the sixty (60)-day Maintenance Period, subject to verification of eligibility and compliance with these Terms and Conditions.
   
   UNObank reserves the right to withhold, suspend, cancel, reverse, or claw back any Reward where it determines that the customer is ineligible; the qualifying transactions are reversed, or the customer has violated these Terms and Conditions.



5. Communication Channels.
   
   Customers will be informed about this promo through any of the following channels:
• UNObank’s official social media platforms;
• Digital advertising and ad placements;
• The UNObank mobile application;
• UNObank’s website;
• Email, SMS, push notifications, or other direct customer communications; and
• Any other official UNObank communication channels.
• All Campaign announcements, updates, and related communications published through UNObank’s official channels shall form part of these Terms and Conditions.

6. Other Terms and Conditions.
1. Data Sharing and Processing. By participating in the Campaign, the Eligible Customer authorizes UNObank to collect, use, process, disclose, and share relevant information relating to the customer’s account with its affiliates, service providers, rewards partners, and other authorized third parties solely for the purposes of campaign administration, eligibility verification, reward computation, fulfillment, fraud prevention, and compliance with applicable laws and regulations.
2. Limitation of Liability. Except in cases of fraud, willful misconduct, or gross negligence on the part of UNObank, the Eligible Customer agrees to hold UNObank, its directors, officers, employees, and authorized representatives free and harmless from any loss, damage, or liability arising from or in connection with the customer’s participation in the Campaign or receipt and use of any Reward.
3. Fraud, Abuse, and Disqualification. UNObank reserves the right to disqualify any customer and withhold, suspend, cancel, reverse, or claw back any Reward where it reasonably determines that fraudulent activity, abuse of the Campaign, manipulation of Campaign mechanics, circumvention of eligibility requirements, misrepresentation, or any unauthorized activity has occurred. In such cases, UNObank may also take appropriate action in accordance with applicable laws, regulations, and its policies, including the restriction or closure of accounts and the recovery of any incorrectly awarded Reward, subject tax applicable laws and regulations.
4. Non-Convertibility of Reward. Rewards awarded under this Campaign are non-transferable, non-exchangeable, and not convertible to cash or any other form of reward, benefit, or privilege.
5. Disputes. In case of any dispute relating to the Campaign, eligibility, reward computation, or reward fulfillment, UNObank’s records shall be final and conclusive in the absence of manifest error. Any complaint or claim arising from this Campaign must be submitted by the Eligible Customer within sixty (60) calendar days from the applicable Reward crediting date, after which the claim may no longer be accommodated. If required by applicable laws or regulations, disputed matters shall be resolved with the concurrence of the Department of Trade and Industry (DTI).

Per DTI Fair Trade Permit No. FTEB-265153 Series of 2026

UNObank, Inc. is a member of PDIC. Deposits are insured by PDIC up to P1 million per depositor.

For further inquiries, you may contact our Customer Happiness Specialists at +632 8811 8866 or +63 919 0599866 from 6 AM to 10 PM, 7 days a week. You may also send a message via the UNO In-App Message.

For urgent issues and fraud concerns, our dedicated fraud hotline is available 24/7 to provide immediate support.

Likewise, should you have any concerns in relation to your personal information, or the manner or purpose for which it is processed, please contact UNObank’s Data Protection Officer at dpo@uno.bank and for more information regarding the Data Privacy Act, you may visit www.privacy.gov.ph.

UNObank, Inc. is regulated by the Bangko Sentral ng Pilipinas (BSP). www.bsp.gov.ph.