BALANCE TRANSFER NOW, PAY LATER PROMO MECHANICS 1. The Balance Transfer Now, Pay Later Promo (“Promo”) is from February 8, 2025 to July 31, 2025. 2. The Promo is open to cardholders of Bank of Commerce Credit Card (“Cardholder”) whose accounts are active and current. 3. The Promo allows the Cardholder to transfer outstanding credit card balance from another bank to Bank of Commerce Credit Card and pay in installments at the following interest rates: Term Monthly Add-On Rate Effective Interest Rate Per Annum Factor Rate Minimum Amount 6 0.80% 16.27% 0.174667 5,000 12 0.70% 15.16% 0.090333 10,000 24 0.60% 13.27% 0.047667 20,000 36 0.39% 8.74% 0.031678 20,000 4. The Cardholder may avail of the Promo if the other credit card is active and current at the time of application and is issued in the Philippines. 5. The balance to be transferred from another credit card must be equal or less than the outstanding balance of the latest Statement of Account and must be within the available credit limit. 6. The Cardholder may apply for the Promo 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. 7. To apply, the Principal Cardholder must call BankCom 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 shall be subject to evaluation and approval. 8. The Cardholder must continue to pay the Minimum Amount Due on the credit card applied for the Promo while the application is still in process. 9. If approved, Bank of Commerce shall issue a check equal to the approved Balance Transfer Now, Pay Later amount and pay it at the nearest payment channel of the bank or credit card company. An Installment Processing Fee of P100 shall be charged to the cardholder’s account. 10. The first monthly installment due shall be billed to the Cardholder on the second (2nd) statement cycle from transfer date. The succeeding monthly installment due shall be billed each month thereafter, until the total payable amount is paid in full. 11. Approved Balance Transfer Now, Pay Later 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 Now, Pay Later 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 P1,000 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-213056 Series of 2025