Balance Transfer Promo Mechanics The Balance Transfer Program is open to cardholders of Bank of Commerce Credit Card (“Cardholder”) whose accounts are active and current. The Balance Transfer Program is from February 1, 2026 to July 31, 2026, extended until January 30, 2027 as approved by DTI-FTEB. The Balance Transfer Program allows the Cardholder to transfer outstanding credit card balance from another bank to Bank of Commerce Credit Card, which shall be payable in installments at the following interest rates: Term Minimum Amount Monthly Add-On Rate Factor Rate Effective Interest Rate Per Annum 3 5,000 1.00% 0.3433333 17.91% 6 5,000 0.80% 0.1746667 16.27% 12 10,000 0.70% 0.0903333 15.16% 24 20,000 0.60% 0.0476667 13.27% 36 20,000 0.39% 0.0316778 8.74% 48 25,000 0.45% 0.0278333 15.01% 60 45,000 0.55% 0.0236667 14.76% The Cardholder may avail of the Balance Transfer Program if the other credit card is active and current at the time of application and is issued in the Philippines. The balance to be transferred from another credit card must be equal to or less than the outstanding balance of the latest Statement of Account. The Cardholder may apply for a Balance Transfer Program on his outstanding balance from more than one (1) credit card, provided that the total payable amount is within the available credit limit at the time of application. To apply, the Principal Cardholder must call Bank of Commerce Customer Care at (02) 86322265, or Domestic Toll-free numbers: (PLDT) 1-800-10-9826000 or (Globe Lines) 1-800-8-9826000 and submit a copy of the latest Statement of Account if the other credit card is issued by Banco de Oro or Land Bank of the Philippines. The application will be subject to evaluation and approval. The Cardholder must continue to pay the Minimum Amount Due on the credit card applied for Balance Transfer Program while the application is still in process. If approved, Bank of Commerce shall issue a check equal to the approved Balance Transfer Program amount and pay it at the nearest payment channel of the bank or credit card company. An Installment Processing Fee of PHP250 shall be charged to the cardholder’s account. Approved Balance Transfer Program applications can no longer be cancelled nor reversed. Bank of Commerce may accommodate a cardholder’s request to pre-terminate the remaining unbilled monthly amortization on the Balance Transfer Program installment transaction provided that the cardholder’s Total Outstanding Balance due for the applicable monthly billing cycle is paid in full. A Pre-Termination Fee of PHP1,000 shall be charged to the cardholder’s account. After Bank of Commerce has approved the cardholder’s request, the total accelerated amount and the corresponding fee shall form part of the Total Outstanding Amount due for the applicable monthly billing cycle. Per DTI Fair Trade Permit No. FTEB-247710, Series of 2026