PROMO MECHANICS FREE SM Gift Pass eGC The promo is open to all current and active Principal Cardholders of Bank of Commerce Credit Card except Corporate Cardholders. The promo period is from May 21 – August 15, 2025. The redemption period is until October 15, 2025. Qualified Cardholders are entitled to a FREE SM Gift Pass. To avail of the promo, qualified cardholder must reach the minimum single or accumulated spend transaction/s within the promo period to get the FREE eGift Certificate based on the table below: Minimum Spend Required FREE Item Php50,000 Php2,000 SM Gift Pass Php100,000 Php4,000 SM Gift Pass Valid spend will include the following posted transactions: Straight transactions Installment principal amount Online transactions Local and overseas transactions Invalid spend during the promotional period: Balance Transfer, Convert to Installment, Cash Installment Plus, Cash Advance, Balance Convert, annual fees, will NOT be considered as valid spend. Transactions from these businesses are also NOT qualified for the promo: Casino/Gambling, Money Transfers, Wholesale/Distribution, and Quasi Cash Financial Institution (e.g. but not limited to, Maya, GCash, GrabPay, etc) 6. Transaction/s used to redeem this promo shall no longer be qualified for redemption with another promo. Redemption Process Cardholder must call the BankCom Customer Service Hotline to request for the redemption. BankCom will validate the request. If eligible to redeem, BankCom will send the eGift Codes to the Cardholder’s registered mobile and/or email address within 10 working days. Cardholder may go to the participating The SM Store – SM Bills Payment Centers to present the Giftaway eGift Codes in exchange for the FREE SM Gift Pass eGift Certificate. Terms & Conditions Cardholders may avail of the promo only once during the promo period. In case the Cardholder is found by Bank of Commerce to have made multiple, invalid or fraudulent redemptions, Bank of Commerce reserves the right to charge the prevailing cost of the SM Gift Pass to the cardholder’s BankCom Credit Card account or directly collect from the cardholder. Cardholder will be charged the cost of the SM Gift Pass redeemed should the Cardholder cancel the qualifying purchase or transaction at a later date or if the transaction is found to be fraudulent. Bank of Commerce reserves the right to charge the cost of the redeemed SM Gift Pass to their BankCom Credit Card. In case of dispute in respect of but not limited to cardholder’s eligibility, coverage of dates, fulfillment etc, the Bank of Commerce’s decision shall prevail. All questions or disputes regarding the cardholder’s eligibility for the promotion or for any redemption shall be resolved by Bank of Commerce with the concurrence of DTI. Each eGift Code is unique with a corresponding SM Gift Pass amount. The recipient is responsible for safekeeping the eGift Code. The eGift Code must be presented to the Bills Payment Counter of SM Stores (Department Store) for validation. Once validated, the Bills Payment Officer will release the SM Gift Pass. The eGift is for one-time use only. If the total value of the eGift is not used up, there will be no cash change given. If the purchase goes beyond the eGift amount, the recipient is to pay for the difference. The eGift Code cannot be exchanged for cash. Processing of transactions will be based on the availability of the validation system. Per DTI Fair Trade Permit No. FTEB-225318, Series of 2025