Time Deposit Special Rate Promo

1. The special offer is valid from April 15, 2026 to June 30, 2026.

2. The promo is open to all Non-Wealth Retail Individual Customers, whether new-to-bank (NTB) or existing-to-bank (ETB), who are notified of the promo through any of the following channels:

   a. will receive a notification about this promo via e-mail, OR
   b. will receive a notification about this promo via Viber/SMS OR
   c. will be personally notified by branch personnel

3. Qualified Individual Clients will get the following special interest rates when they open a Time Deposit account within the duration of the promo period using fresh funds deposited within the offer period (as defined in this promo) and/or from existing CASA accounts as recommended by the TD calculator.

Summary of Special Interest Rates as follows:

* Gross rate per annum subject to 20% withholding tax

4. Deals that have a shorter or longer placement tenor than the ones specified in the above table will follow the existing board rates*. Furthermore, existing board rates will apply if and when the client rolls over the placement with the special rate upon maturity.

*Existing board rates are non-offer interest rates for time deposits.

5. Qualified Individual Clients have no limit on the availment amount, and they can avail of more than one placement as long as it is within the parameters of this promo.

6. All new CASA and Time Deposit (TD) account openings are subject to existing applicable policies and procedures of the Bank, including but not limited to the following:

   A. All accounts opened during the promo period will be subject to the Bank’s existing KYC/account opening policies.
   B. TD accounts closed will be subject to the existing pretermination policies of the bank.
   C. Settlement accounts opened or used as a requirement for the Time Deposit will be subject to applicable maintaining balance charges of
        the chosen product. Fees will apply if the required maintaining balance is not met.

The following are NOT considered as fresh funds:

   A. Cash transferred from one existing SBC CASA to another existing or new SBC CASA
   B. Cash withdrawals / check encashments prior placement and subsequently deposited back to account
   C. Fund transfers going outside the Bank and subsequently deposited back to the SBC account or another SBC CASA account
   D. Others as may be determined by the TD product owner

The following are considered as fresh funds if deposited within the promo period:

   A. Cash / checks / fund transfers from another bank or outside source
   B. Maturities of investment products:
       a. Government Securities (Tbills, FXTNs, RTBs)
      b. Corporate Bonds, Notes
     c. UITF and DIMA Corp Bonds
   C. Other funds of a similar nature, as may be reasonably determined by SBC

7. When applicable, SBC will also review the Qualified Clients’ Total Relationship Balance (“TRB”) in all his/her SBC product holdings, including but not limited to, CASA, Time Deposit, Treasury, and other Investment Products prior to processing of TD placement. The Time Deposit calculator will also act as a guide to ensure that the appropriate funds are placed in the TD account.

8. Branches MUST ensure that the client places fresh funds into the TD account. Clients who intend to place solely non – fresh funds (indicated above) are NOT eligible for the TD special rate offer. TD placements will undergo random checks at the end of every month to determine if branches have ensured that the appropriate mix of fresh/non-fresh funds are placed in the clients’ TD accounts.

9. Clients intending to place in USD Time Deposit may fund their placement in PHP. The Bank will facilitate the conversion from PHP to USD based on the prevailing foreign exchange rate at the time of transaction.

10. All questions and disputes with respect to the offer shall be resolved by the Bank, and any decision shall be binding and conclusive on the Clients.

11. How to Avail

• Personal visit to the client’s preferred branch or branch of account is required.
• Client details may also be submitted via the Security Bank website, and a branch representative will contact the client to assist and arrange the visit.

Per DTI Fair Trade Permit No. FTEB-252426 Series of 2026