SM Appliance Center’s 24 Deals of Christmas Promo Mechanics SM Appliance Center 24 Deals of Christmas (“Promo”) is open to active and current Bank of Commerce Credit Cardholders (“Cardholders”). The Promo is from December 1 to 31, 2025. Cardholders can get up to 40% discount on select items at SM Appliance Center when they pay in installments using their Bank of Commerce Credit Cards. Valid purchases are 0% Installment and 0% Buy Now Pay Later transactions. For 0% Buy Now Pay Later, the first monthly amortization shall be billed to the cardholder on the 4th statement cycle after the transaction date. Not valid in conjunction with other discounts or promos unless otherwise stated in other promotions by SM Appliance Center. Per DTI Fair Trade Permit No. FTEB-239733 Series of 2025