Wealth Advantage Cashback Promo

Get up to PHP200,000 cashback when you invest in the SBC 5-Year Fixed Rate Corporate Bonds and maintain your CASA.

Terms & Conditions SBC 5-Year Fixed Rate Corporate Bonds

How to join

The Promo is open to Security Bank Wealth customers who have availed the SBC 5-Year Fixed Rate Corporate Bonds.
Participating Products: Security Bank Checking Account Savings Account (CASA) products namely All Access, Money Builder, Easy Savings, and eSecure Savings (eSS)

Rewards

A Security Bank Wealth customer shall be qualified if the following conditions have been met:

Invests in the SBC 5-Year Fixed Rate Corporate Bonds
Maintains the minimum quarterly CASA ADB in any of the participating CASA product.

The required CASA ADB for any given quarter shall be an amount equivalent to thirty percent (30%) of the client’s aggregate investment in SBC Fixed Term Corporate Bonds during the promo period.

SBC Fixed Term Corporate Bonds Investment	Quarterly CASA ADB Requirement		Cashback Reward
500,000	150,000	30% of the SBC Fixed Term Corporate Bond Investment amount	Amount equivalent to the Management Fee from PHP1,000 to PHP200,000.
1,000,000	300,000
5,000,000	1,500,000
10,000,000	3,000,000
50,000,000	15,000,000
100,000,000	30,000,000

*There is a 2% Creditable Withholding Tax for cash credits, which shall be shouldered by Security Bank.

Clients who have availed the SBC 5-Year Fixed Term Corporate Bonds and have increased and maintained their CASA ADB per quarter, are eligible for an additional cash incentive of PHP250 per PHP500,000, capped at PHP2,500 per quarter; maximum of PHP10,000 for one (1) calendar year.

See the Terms and Conditions below to learn more about the promo.

Promo period

The Promo shall run from October 29, 2025 to October 29, 2026.
Per DTI Fair Trade Permit No. FTEB-237702 Series of 2025

Terms and Conditions

Overview: The Wealth Advantage Cashback Promo (“WAC”) is open only to clients of Security Bank Corporation (“SBC”) who qualify under the criteria outlined below and are not prohibited under the applicable Gifts, Anti-Bribery and Corruption laws, regulations, and policies from participating in and/or qualifying for this Program.
Promo Period: The Promo shall run from October 29, 2025 to October 29, 2026.
General Eligibility Requirements: The Promo is open to Security Bank Wealth customers who have availed the SBC 5-Year Fixed Rate Bond.
Participating Products: Security Bank Checking Account Savings Account (CASA) products namely All Access, Money Builder, Easy Savings, and eSecure Savings (eSS).

Qualification: A Security Bank Wealth customer shall be qualified if the following conditions have been met:
a. Invests in the SBC 5-Year Fixed Rate Bond
b. Maintains the minimum quarterly CASA ADB in any of the participating CASA product.
c. The required CASA ADB for any given quarter shall be an amount equivalent to thirty percent (30%) of the client’s aggregate investment in SBC Fixed Term Corporate Bonds during the promo period.

SBC Fixed Term Corporate Bond Investment	Quarterly CASA ADB Requirement		Cashback Reward
500,000	150,000	30% of the SBC Fixed Term Corporate Bond Investment amount	Amount equivalent to the Management Fee from PHP1,000 to PHP200,000.
1,000,000	300,000
5,000,000	1,500,000
10,000,000	3,000,000
50,000,000	15,000,000
100,000,000	30,000,000

*There is a 2% Creditable Withholding Tax for cash credits, which shall be shouldered by Security Bank.

d. The Ending CASA ADB should be the same or higher as the Starting CASA ADB in a quarter. If the Ending CASA ADB is lower, then the client is disqualified to receive cashback rewards.
e. To qualify for cashback rewards, the client’s Ending CASA Average Daily Balance (ADB) for the quarter must be equal to or greater than the Starting CASA ADB. Should the Ending CASA ADB be lower than the Starting CASA ADB, the client shall be deemed ineligible to receive cashback rewards.
f. In cases where the client’s Starting CASA ADB is below the required level, the client may still qualify for cashback rewards provided that the Ending CASA ADB reflects an increase from the Starting CASA ADB and meets the required CASA ADB at quarter-end.

Illustrative Scenarios: CASA ADB Requirement (30% of Bond Investment)

Scenario	Bond Investment	Required CASA ADB (30%)	Starting CASA ADB (30%)	Ending CASA ADB (30%)	Result
1 – Qualified (Increased ADB)	10,000,000	3,000,000	3,000,000	3,200,000	Qualified (Ending ADB increased & requirement met)
2 – Disqualified (Decline in ADB)			3,000,000	2,800,000	Disqualified (Ending ADB lower than starting ADB)
3 – Disqualified (Requirement not met)			1,000,000	1,500,000	Disqualified (Ending ADB below required level)
4 – Disqualified (ADB declined)			3,500,000	3,200,000	Disqualified (Ending ADB lower than starting ADB)
5 – Qualified (Started below, met at end)			2,000,000	3,500,000	Qualified (Ending ADB increased from starting and met required level)

Rewards: Cashback rewards are awarded to Security Bank wealth customers who will achieve the following requirements:
a. Qualified customers shall be eligible to receive cashback rewards for a maximum period of one calendar (1) year if the minimum quarterly CASA ADB requirement has been achieved.

SBC Fixed Term Corporate Bond Investment	Quarterly CASA ADB Requirement
500,000	150,000	30% of the SBC Fixed Term Corporate Bond Investment amount
1,000,000	300,000
5,000,000	1,500,000
10,000,000	3,000,000
50,000,000	15,000,000
100,000,000	30,000,000

b. Clients who have availed the SBC Fixed Term Corporate Bond and have increased and maintained their CASA ADB per quarter, are eligible for an additional cash incentive of PHP250 per PHP500,000, capped at PHP2,500 per quarter; maximum of PHP10,000 for one (1) calendar year.

Awarding Schedule: Cashback rewards shall be credited to qualified customers based on the timeline below:

Bond Issue Date	Coupon Issue Date*		Cashback Date**
October 29, 2025	Q1	January 29, 2026	Mar 31, 2026
	Q2	April 29, 2026	June 30, 2026
	Q3	July 29, 2026	Sep 30, 2026
	Q3	October 29, 2026	Dec 31, 2026

*Coupon Issue Date is every quarter based on Bond Issue Date, not calendar quarter.
**Cashback Date is + 1 month based on Coupon Issue Date, processed in monthly batches. If fresh funds requirement was met, rewards will be credited along with the Cashback.

a. Rewards are non-transferable and non-convertible to any other form of rewards.
b. *Crediting shall be done at a customer level in which they are the primary account holder of a Security Bank CASA.
c. No cash rewards shall be released in Security Bank CASA where the customer is a secondary account holder.
d. The duty to reimburse to its Wealth customers the appropriate cashback amount shall be with the Retail Banking Segment (“RBS”). Any and all queries or concerns regarding said reimbursement shall be addressed to and resolved by the Wealth Manager of the concerned customer.

Bank Policies: All participating products are subject to existing policies and procedures of Security Bank including but not limited to the following:
a. All accounts opened during the Promo Period shall be subject to existing Know-YourCustomer (KYC)/account opening policies.
b. Accounts closed within 30 days of the account opening shall be subject to corresponding early closure penalty fees.
c. All existing product eligibility criteria shall apply unless otherwise specified.
Data Privacy: By participating in the Promo, the customer expressly grants authorization for the transfer, disclosure, and communication of personal and account information to and from Security Bank, participating merchants, service providers, and pertinent third parties. This authorization is granted for the explicit purposes of marketing and promotion, as well as for verification, checking, validation, and fulfillment.
Force Majeure: In the event that Security Bank is prevented from awarding the cashback credits or proceeding with the WAC Promo due to any unforeseeable event beyond its control, including, but not limited to, fire, flood, epidemic, earthquake, explosion, labor dispute or strike, act of God, satellite or equipment failure, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared), or any federal, state, or local government law, order, or regulation, public health crisis, order of any court or jurisdiction, or any other cause not reasonably within the control of Security Bank (each termed a “Force Majeure” event or occurrence), Security Bank reserves the right to modify, suspend, or terminate the WAC Promo.
Fraud: Any fraud, abuse, misrepresentation, or collusion by the customer with another individual, whether directly or indirectly, or any unauthorized activities associated with the participation in the Promo, or redemption of cash credits may result in the disqualification of the customer from the Promo. Additionally, Security Bank reserves the right, at its discretion, to impose sanctions, including but not limited to, the suspension or cancellation of banking privileges, closure of accounts in Security Bank, or the forfeiture of cash credits with the concurrence of the DTI. This action shall be taken without prejudice to any legal measures that Security Bank may pursue.
For inquiries and comments, please call our 24-Hour Customer Service hotline at (632) 8888-791-88 or email us at [email protected]. Security Bank Corporation is regulated by the Bangko Sentral ng Pilipinas (https://www.bsp.gov.ph).