1. The Promo will run from November 15, 2022 to January 31, 2023 Spend Period: November 15, 2022 to March 31, 2023 Redemption Period: December 1, 2022 to May 31, 2023 2. The Promo is open to all newly approved and activated principal Bank of Commerce (“BankCom”) Credit Cardholders whose cards were issued within November 15, 2022 to January 31, 2023 except Corporate credit card. Cardholder must not have an existing or cancelled Principal credit card issued by BankCom within the past 6 months from the time of application. 3. Qualified Cardholder who purchases using his/her newly approved and activated Card is entitled to redeem one (1) FREE P10,000 Gcash. 4. Transaction/s used to redeem for this promo shall no longer be qualified for redemption with another promo. 5. Cardholder will be awarded by BankCom with FREE P10,000 Gcash upon meeting the required minimum single or accumulated spend on or before March 31, 2023 based on the list below: BankCom Credit Card Type Minimum Spend Required FREE Item All Card Types 75,000 Free 10,000 GCash Valid spend will include the following posted transactions: i. Straight transactions ii. Installment transactions [Only billed installment transaction/s will be included/qualified] iii. Online transactions iv. Local and overseas transactions v. Cash loan transactions [for Cash Installment Card product only] Note: Balance Transfer, Convert to Installment, Cash Installment Plus / Get Cash, Cash Advance, annual fees, fees and charges and transactions generated from casinos and merchants engaged in wholesale will NOT be considered as valid spend. Transactions from these businesses are NOT qualified for the promo: Casino/Gambling, Money Transfers, Wholesale/Distribution and Quasi Cash Financial Institution (e.g. but not limited to, Paymaya, GCash, etc). 6. Terms & Conditions a. Cardholder may avail of the promo only once during the promo period. b. Cardholder will be charged the cost of the FREE P10,000 Gcash if the transaction/s is/are being disputed or found to be fraudulent. c. Cardholder’s account must be active and in good credit standing for at least 14 months from date of claiming of the FREE P10,000 Gcash. If the cardholder requests for card cancellation or the card was cancelled within the said 14-month period, the amount of the FREE P10,000 Gcash will be charged to the cardholder’s account as Cancellation Fee. The Cancellation Fee must be duly paid by the cardholder before the Credit Card may be cancelled by BankCom. d. The FREE P10,000 Gcash is covered by manufacturer’s warranties. It is understood that Bank of Commerce shall not in any way be liable any claim arising from said manufacturer’s warranties. e. In case of dispute arising from the promo such as but not limited to the cardholder’s eligibility, coverage dates, fulfillment, etc, BankCom’s decision shall prevail. All questions or disputes regarding the cardholder’s eligibility for the promotion or for any redemption shall be resolved by BankCom. f. Cardholder may only avail one promo if it coincides with another Acquisition promo. g. Terms and conditions governing the issuance and use of BankCom Credit Card apply. 7. Redemption Process i. Cardholder must call BankCom Customer Care Hotline at 8632-2265 to request for the redemption. ii. BOC will validate cardholder’s redemption request. If eligible to redeem, BOC will send an email and SMS to the cardholder’s registered email address and mobile number within 7 to 10 working days. Per DTI Fair Trade Permit No. FTEB-155709 Series of 2022