Up to ₱2,000 FREE SM Gift Pass Promo Mechanics Installment Anywhere and Get a Free SM Gift Pass (“Promo”) is open to active and current Bank of Commerce Credit Cardholders (“Cardholders”). The promo is from November 16, 2025 to February 15, 2026. Cardholders will receive a free SM Gift Pass for every installment transaction at any accredited merchant who meet the required minimum transaction amount. The minimum installment spend requirement and free SM Gift Pass are as follows: Installment Amount Free SM Gift Pass Amount Php5,000 – Php29,999.99 Php100 Php30,000 – Php49,999.99 Php500 Php50,000 – Php99,999.99 Php1,000 Php100,000 and up Php2,000 Valid purchases are 0% Installment and 0% Buy Now Pay Later with terms from 3 months up to 36 months. Cardholders who meet the installment spend requirement will receive an eGift code via SMS. To redeem, credit cardholders should present the SMS at the Customer Service of any SM Store branch. The redemption period is from November 16, 2025 until April 16, 2026. Unredeemed eGift code(s) shall be forfeited after the expiration date indicated in the SMS. The eGift code(s) cannot be exchanged for cash, other products, or discounts. Bank of Commerce will no longer accommodate the credit cardholder in re-sending requests for eGift code(s) such as, but not limited to the following reasons: eGift code(s) sent successfully to the credit cardholder but were accidentally deleted because of any reason; due to lost, stolen, or defective mobile device; eGift code(s) sent successfully to the cardholder’s registered mobile number maintained in Bank of Commerce’s database during the promo and redemption period. Should the credit cardholder request a change in mobile number during the promo period, only the succeeding eGift code(s) will be sent to the new mobile number. Splitting of transactions is prohibited and shall not be allowed for redemption. Splitting is defined as an intentional act of dividing a merchant installment transaction into multiple charge slips to redeem more than one reward incentive. The presumption of split transactions is having two (2) or more transactions in one merchant outlet or establishment over the same product, and the interval of these transactions was made within 5-10 minutes. Balance Transfer, Convert to Installment, Get Cash, Cash Loan, and Balance Convert are NOT considered as valid spend. Should it be proven that a credit cardholder was able to redeem the free SM Gift Pass without adhering to the above mechanics, the cost will be charged by Bank of Commerce to the credit cardholder’s account. All installment purchases are subject to the Terms and Conditions governing the issuance and use of Bank of Commerce Credit Cards and all related provisions of Bank of Commerce’s 0% Installment program. All 0% Installment purchase(s) are subject to Bank of Commerce’s approval and are only valid if monthly dues are paid in full. Annex A SM Gift Pass Redemption Centers Estancia Mall SM Marikina SM Araneta City SM Marilao SM Aura SM Masinag SM Bacolod SM Megacenter SM Bacoor SM Megamall SM Baguio SM Mindpro SM Baliwag SM Molino SM Bataan SM Naga SM Batangas SM North Edsa SM BF Paranaque SM Novaliches SM Bicutan SM Olongapo Central SM Butuan SM Olongapo Downtown SM Cabanatuan SM Pampanga SM Cagayan de Oro SM Puerto Princesa SM Calamba SM Quiapo SM Caloocan SM Rosales SM Cauayan SM Rosario SM CDO Downtown Premier SM Roxas SM Cebu SM San Fernando SM Clark SM San Fernando Downtown SM Consolacion SM San Jose del Monte SM Daet SM San Lazaro SM Dasmarinas SM San Mateo SM Davao SM San Pablo SM Delgado SM Santa Rosa SM East Ortigas SM Seaside City Mall SM Fairview SM Sorsogon SM General Santos SM Southmall SM Grand Central SM Sta. Mesa SM Iloilo SM Sto. Tomas SM JMall SM Sucat SM La Union SM Tanza SM Lanang Premier SM Tarlac SM Laoag SM Taytay SM Legazpi SM Telabastagan SM Lipa SM Trece Martires SM Lucena SM Tuguegarao SM Makati SM Urdaneta SM Mall of Asia SM Valenzuela SM Manila Annex B Where SM Gift Pass is Accepted Department Store Grocery Health and Beauty Fashion Home Goods and Hardware Specialty Retailer Entertainment Other Services Hotel SM Store SM Supermarket Watsons Forever 21 ACE Hardware Toy Kingdom SM Cinema SM Appliance Center Radisson Blu Cebu SM Hypermarket Miniso Levi’s Our Home Kultura SM Bowling SM Science Discovery Center Conrad Manila SaveMore Market The Body Shop Crocs Crate & Barrel Sports Central SM Ice Skating Rink Skyranch Pico Sands Hotel WalterMart Supermarket Innisfree Simply Shoes Baby Company Pet Express IMAX Theatre Surplus Shop SM Storyland Per DTI Fair Trade Permit No. FTEB-242468 Series of 2025