“Accelerate Your Savings – Save & Win: Fly or Cash” Terms and Conditions The Bank of Commerce (BankCom) “Accelerate Your Savings – Save & Win: Fly or Cash” Promo will run from April 1, 2026 until March 31, 2027. The “Accelerate Your Savings – Save & Win: Fly or Cash” Promo is an exclusive offer to all individual BankCom depositors with any of the following Peso Deposit account types: Savings Account Checking Account Payroll Account Notes: i. Please see Annex A for the list of qualified account types and promo exclusion conditions. ii. Corporate clients or accounts and settlement accounts are not included in the promo. 3. To qualify for the promo, the individual BankCom depositor should register in the promo through the BankCom website (See Annex B) and be able to meet the following requirements during the promo period: Must register to join the promo Must be the primary account holder of a qualified Peso deposit CASA account Must have an active Peso deposit CASA account/s Must have increased their total Peso deposit average daily balance (ADB) by at least P5,000 The Total Peso CASA ADB during the promo period must not have decreased by 20% prior to the e-raffle draw date “Accelerate Your Savings – Save & Win: Fly or Cash” Promo Prizes and E-Raffle Draw Dates: E-Raffle Draw Date Transaction Coverage Raffle Prizes First E-Raffle Draw May 14, 2026 April 1, 2026 to April 30, 2026 5 Winners Apple Watch SE Sport Band Second E-Raffle Draw June 11, 2026 April 1, 2026 to May 31, 2026 5 Winners Apple Watch SE Sport Band Third E-Raffle Draw July 14, 2026 April 1, 2026 to June 30, 2026 5 Winners Apple Watch SE Sport Band Fourth E-Raffle Draw August 14, 2026 April 1, 2026 to July 31, 2026 5 Winners Apple Watch SE Sport Band Fifth E-Raffle Draw September 11, 2026 April 1, 2026 to August 31, 2026 5 Winners Apple Watch SE Sport Band Sixth E-Raffle Draw October 14, 2026 April 1, 2026 to September 30, 2026 5 Winners Apple Watch SE Sport Band Seventh E-Raffle Draw November 13, 2026 April 1, 2026 to October 31, 2026 5 Winners Apple Watch SE Sport Band Eighth E-Raffle Draw December 11, 2026 April 1, 2026 to November 30, 2026 5 Winners Apple Watch SE Sport Band Ninth E-Raffle Draw January 14, 2027 April 1, 2026 to December 31, 2026 5 Winners Apple Watch SE Sport Band Tenth E-Raffle Draw February 11, 2027 April 1, 2026 to January 31, 2027 5 Winners Apple Watch SE Sport Band Eleventh E-Raffle Draw March 12, 2027 April 1, 2026 to February 28, 2027 5 Winners Apple Watch SE Sport Band Grand E-Raffle Draw April 14, 2027 April 1, 2026 to March 31, 2027 1st PRIZE Php 2,000,000.00 worth of Travel Package or CASH 2nd PRIZE Php 1,000,000.00 worth of Travel Package or CASH 3rd PRIZE Php 500,000.00 worth of Travel Package or CASH Consolation Prize 5 Winners of Php 100,000.00 worth of Travel Package or CASH Notes: i. 20% tax for prizes exceeding P10,000 shall be shouldered by the e-raffle draw winners ii. All draws will be held at the Bank of Commerce Head Office in Mandaluyong City (2pm to 4pm) iii. The name of the winners will be released on Bank of Commerce’s website and Social Media page Qualified BankCom individual depositors shall be given e-raffle tickets based on their total Peso CASA deposit ADB during the promo period. The total Peso CASA deposit ADB shall be computed on the indicated ADB Cut-Off dates above. The raffle ticket distribution shall be as follows: ADB DPP – ADB During Promo Period (April 1, 2026 to e-raffle draw cut-off date) ADB PPP – ADB Prior to Promo Period Total Peso CASA Deposit ADB-YTD (during promo period) P5,000 to less than P100,000 P100,000 to less than P500,000 P500,000 to less than P1,000,000 P1,000,000 and up No. of E-Raffle Tickets 1 e- raffle ticket for every P5,000 and increments thereof. 2 e- raffle tickets for every P5,000 and increments thereof. 3 e-raffle tickets for every P5,000 and increments thereof. 4 e-raffle tickets for every P5,000 and increments thereof. For Existing BankCom Depositors (those who have peso deposit accounts prior to the promo period), the basis for the Total Peso CASA Deposit ADB DPP shall be the incremental or accumulated CASA ADB increase during the promo period. The incremental/accumulated CASA ADB increase shall be computed as: Note: Day 1 shall be January 1, 2026 or account opening date whichever comes later, and Day X shall be March 31, 2026. For New to Bank Depositors (those who opened peso deposit accounts during the promo period), the Total Peso CASA Deposit ADB DPP is computed as the sum of the daily end-of-day balances of all the qualified Peso deposit CASA accounts of the qualified BankCom depositor divided by the number of calendar days from the start of the promo period until the cut-off date. Note: Day 1 shall be the account opening date and Day X shall be the raffle draw cut-off date. Sample E-Raffle Ticket Computation: Sample Scenario 1 for Existing BankCom Depositor 1 Total YTD Peso CASA Deposit ADB PPP Total Peso CASA Deposit ADB DPP Incremental/Accumulated ADB Increase E-Raffle tickets to be received PHP 5,000.00 PHP 90,000.00 PHP 85,000.00 17 Sample Scenario 2 for Existing BankCom Depositor 2 Total YTD Peso CASA Deposit ADB PPP Total Peso CASA Deposit ADB DPP Incremental/Accumulated ADB Increase E-Raffle tickets to be received PHP 100,000.00 PHP 400,000.00 PHP 300,000.00 120 Sample Scenario 3 for Existing BankCom Depositor 3 Total YTD Peso CASA Deposit ADB PPP Total Peso CASA Deposit ADB DPP Incremental/Accumulated ADB Increase E-Raffle tickets to be received PHP 100,000.00 PHP 700,000.00 PHP 600,000.00 360 Scenario 3 for Existing BankCom Depositor 3 Total YTD Peso CASA Deposit ADB PPP Total Peso CASA Deposit ADB DPP Incremental/Accumulated ADB Increase E-Raffle tickets to be received PHP 800,000.00 PHP 1,500,000.00 PHP 700,000.00 560 Sample Scenario 1 for New BankCom Depositor 1 Total Peso Deposit ADB DPP E-Raffle tickets to be received PHP 20,000.00 4 Sample Scenario 3 for New BankCom Depositor 2 Total Peso Deposit ADB DPP E-Raffle tickets to be received PHP 500,000.00 300 Sample Scenario 3 for New BankCom Depositor 3 Total Peso Deposit ADB DPP E-Raffle tickets to be received PHP 1,500,000.00 1,200 Bonus E-Raffle Ticket: All qualified depositors shall earn one (1) e-raffle ticket on their birthday. This e-raffle ticket will be awarded during the nearest e-raffle draw date and will only be applicable during the said e-raffle draw date. The bonus e-raffle ticket will no longer be awarded on the succeeding e-raffle draw dates. **Cross-sell Bundles: For every approved credit card = 2 E-ticket For every booked Auto and Home Loan = 3 E-ticket For every 1MM booked IBG, Treasury & Trust Product Investments = 5 E-tickets **For Cross-sell Bundle Bonus. This e-raffle ticket will be awarded during the nearest e-raffle draw date and will applicable in the entire promo period. Sample Bonus E-Raffle Ticket Scenario for Qualified BankCom Depositor (For Birthday): E-Raffle Draw Date Birthday Month Bonus E-Raffle Ticket First E-Raffle Draw May 14, 2026 April 2026 Yes Second E-Raffle Draw June 11, 2026 May 2026 Yes Third E-Raffle Draw July 14, 2026 June 2026 Yes Fourth E-Raffle Draw August 14, 2026 July 2026 Yes Fifth E-Raffle Draw September 11, 2026 August 2026 Yes Sixth E-Raffle Draw October 14, 2026 September 2026 Yes Seventh E-Raffle Draw November 13, 2026 October 2026 Yes Eighth E-Raffle Draw December 11, 2026 November 2026 Yes Ninth E-Raffle Draw January 14, 2027 December 2026 Yes Tenth E-Raffle Draw February 11, 2027 January 2027 Yes Eleventh E-Raffle Draw March 12, 2027 February 2027 Yes Grand E-Raffle Draw April 14, 2027 March 2027 Yes The e-raffle draw shall be witnessed by a DTI Representative and BankCom employees during the e-raffle draw dates. E-Raffle winners will be notified via registered mail, email and SMS notifications, including a call from their branch of account, with instructions on how to claim the prize. Raffle winners shall authorize BankCom to disclose and publish their names and photos for promotional purposes as deemed appropriate by BankCom. To claim an e-raffle prize, the winner must proceed to the designated BankCom branch/office, present a valid ID with a picture, and fully sign a quitclaim and waiver. A qualified BankCom depositor may only win once. From First E-Raffle Draw up to the 11th E-Raffle Draw. All qualified BankCom Deposit are eligible in the Grand E-Raffle draw even if their names are drawn from the First E-Raffle Draw up to the Eleventh E-Raffle Draw All Prizes are non-transferrable. First E-raffle Draw up to the Eleventh E-Raffle Prize are non-convertible to cash. Only Grand Draw Prizes are convertible to cash. If the prize is not claimed within sixty (60) calendar days from receipt of registered mail notification, it will be forfeited in favor of BankCom upon prior approval from DTI. The depositors shall hold Bank of Commerce and its directors, officers, employees, agents, representatives and successor-in-interest free and harmless and shall indemnify Bank of Commerce and its directors, officers, employees, agents, representatives and successor-in-interest from all liabilities, claims, damages, losses, suits or causes of action and other expenses arising out of or in connection with the participation in the promo. All BankCom employees, directors, stockholders and related party interests including their relatives up to the second degree of consanguinity or affinity are disqualified from joining the promo. This promo is not held in conjunction with other ongoing promos of BankCom. All questions or disputes concerning the promo shall be resolved by BankCom with the concurrence of DTI and any decision shall be binding and conclusive on the qualified BankCom depositors. Terms and conditions governing the issuance and use of the Deposit Accounts shall apply. Annex A List of qualified Peso CASA deposit account types: Savings Account w/ ATM (Debit Card) Savings Account w/ Passbook Savings Account Plus Checking Account Complete Checking Account ElitePlus Checking Account Payroll Savings Account SMC Payroll Savings Account SMC Payroll Checking Account Executive Payroll Account Treasurer-in-trust (TIT) for accounts, In-Trust-For (ITF) accounts, 3rd currency accounts, corporate customers and accounts, pension accounts, settlement accounts, Sikap Pinoy OFW accounts, accounts with restriction, and accounts not mentioned above are not included in the promo. For joint accounts, the Peso CASA Deposit ADB of the said account will only be credited to the primary account holder. Annex B CLICK HERE TO REGISTER Per DTI Fair Trade Permit No. FTEB-252254 Series of 2026