“BankCom Member Get Member” Terms and Conditions and Enrollment Form The Bank of Commerce (“BankCom”) “BankCom Member Get Member” incentive program is a deposit-based referral program to acquire new depositors and increase total deposits. It will run from August 1, 2025 until July 31, 2026 (“Program Period”). The “BankCom Member Get Member” Program is open to all new and existing Individual and Non-Individual BankCom depositors with any of the following Peso Deposit account types (“Referrer”): Savings Account Checking Account Note: Please see Annex A Item number 1 for the list of qualified account types To qualify as a Referrer, an Individual or Non-Individual BankCom depositor must meet the following requirements: Must have an existing or newly opened BankCom Current Account or Savings Account (CASA). Must have at least one active BankCom PESO CASA account. Dormant Account Holders must re-activate their CASA Account or open a new CASA Account Must duly accomplish and sign the terms and conditions and enrollment form*. *Only Authorized signatories can sign and enroll CASA accounts for this incentive Program Note: Please see Annex A Item number 2 for the list of qualified account types To qualify for the Program incentive, an Individual or Non-Individual BankCom depositor must meet the following criteria: Referrer must have referred a minimum of five (5) new to bank depositors *BankCom has the right to refuse account opening of a referred account in accordance with the bank’s standard policies and procedures Referrer’s Account, and at least (5) of the Referred Accounts should have a minimum *Php 50K Total PESO CASA YTD ADB by end of the Program Period. The aggregate Total PESO CASA YTD ADB of Referrer and Referred Accounts must achieve the required hurdles to get the corresponding cash incentive. Prize Hurdles and Cash Incentives: Hurdle 1 PHP 5,000,000.00 – PHP 9,999,999,99 PHP 10,000.00 Hurdle 2 PHP 10,000,000.00 – PHP 19,999,999.99 PHP 20,000.00 Hurdle 3 PHP 20,000,000.00 and Up PHP 40,000.00 The Referrer’s total PESO CASA YTD ADB and the Referred Accounts’ total PESO CASA YTD ADB will be computed separately. The totals will then be combined to determine the hurdle and calculated as follows: Total Peso CASA Deposit ADB = (Day 1 ending balance + …… + Day X ending balance) / 360 Note: Day 1 shall be the Program start date and Day X shall be the Program end date. Sample Computation 1: *Referrer will receive PHP10,000.00 Sample Computation 2: *Referrer will receive PHP20,000.00 Sample Computation 3: *Referrer will receive PHP 0 since one of the Referred Accounts did not meet the required Total PESO CASA YTD ADB. 7. All Program winners shall be notified and the cash incentive will be credited to Referrer’s account within thirty (30) days after the Program Period. 8. The following are disqualified from joining the Program: SMC subsidiaries, related businesses and employees. All BankCom employees including their relatives up to second degree of consanguinity or affinity. 9. 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 their participation in the Program. BankCom shall be subject to and comply with the provisions of the Data Privacy Act and the Bank Secrecy Act with regard to any information involving the Referrer and Referred Accounts. 10. All questions or disputes concerning the Program shall be resolved by BankCom with the concurrence of the DTI, and any decision thereafter shall be binding and conclusive on the qualified BankCom depositors. 11. The Terms and Conditions Governing Deposit Accounts shall apply. Annex A For Referrer: List of qualified Peso CASA deposit account types: Savings Account w/ ATM (Debit Card) Savings Account w/ Passbook Savings Account Plus Regular Checking Account Complete Checking Account Sikap Pinoy SSS Pension Savings Accounts US Veterans Pension Savings Account Payroll Savings Account For Referred Accounts: List of qualified Peso CASA deposit account types: Savings Account w/ ATM (Debit Card) Savings Account w/ Passbook Savings Account Plus Regular Checking Account Complete Checking Account Payroll Savings Account 3rd currency accounts, TIT Accounts, Accounts with restriction, and accounts not mentioned above are not included in the Program. For Joint AND and Joint OR accounts, all co-depositors are required to sign this Terms and Conditions and Enrollment Form. By signing this Terms and Conditions and Enrollment Form, I/We fully understand the provisions governing this Program and voluntarily provide our information and join the Bank of Commerce “BankCom Member Get Member” Program. FOR BANK PERSONNEL USE ONLY: DTI Fair Trade Permit No. FTEB-232835 Series of 2025