RUSTAN’S: A CHRISTMAS OF WONDERS Program Mechanics Duration is from October 17 to December 25, 2025. Open to principal and supplementary cardholders whose Bank of Commerce Credit Cards are active and in good credit standing. The Promo allows the cardholders to pay in installments at 0% interest up to 12-month term. The first monthly installment due shall be billed to the cardholder on the next statement cycle from the date of the installment transaction. A minimum amount of PhP3,000 is required for 3-month term, PhP10,000 for 6-month term and PhP20,000 for 12-month term. The merchant may assign a higher minimum installment amount to avail of the Promo. The merchant has the sole discretion on the terms and items applicable for the Promo. The approved amount of the installment transaction shall be deducted from the cardholder’s credit limit. The cardholder may cancel the installment transaction by calling the BankCom Customer Care at (02) 8632-2265, or Domestic Toll-free numbers: (PLDT) 1-800-10-9826000 or (Globe Lines) 1-800-8-9826000. After processing of the cancellation request, the unbilled installment amortizations shall be accelerated and shall form part of the Total Amount Due together with the Installment Pre-Termination Fee of PHP1,000. DTI Fair Trade Permit No. FTEB-237686 Series of 2025