“Scan & Score” Promo

Definitions

Term	Definition
Promo	Refers to UNObank’s QRPh P2M Cashback Promo described in these Terms and Conditions.
UNObank / Bank	Refers to UNObank, Inc., the licensed digital bank operating this Promo and regulated by the Bangko Sentral ng Pilipinas (BSP).
Participant	Refers to any UNObank account holder who is eligible to participate in and participates in this Promo, as described in the Eligibility section below.
UNObank App	Refers to the official UNObank mobile application, through which QRPh P2M transactions are made.
QRPh P2M Transaction	Refers to a Person-to-Merchant (P2M) payment transaction made by a Participant through the QRPh payment feature within the UNObank App, whereby the Participant scans a QRPh-compliant merchant QR code to effect payment. QRPh is the national QR code standard established by the BSP. For the avoidance of doubt, transactions made via QRPh P2P (Person-to-Person), fund transfers, or any payment method other than QRPh P2M within the UNObank App are not covered by this Promo.
Cashback	Refers to the rebate earned by a Participant for a qualifying QRPh P2M Transaction during the Promo Period, as specified in these Terms and Conditions.
Cashback Tier	Refers to one of the four (4) Cashback reward categories described in the Eligibility and Awarding section below (Tier A, Tier B, Tier C, or Tier D), each with its own qualifying conditions and Cashback amount.
Monthly Cap	Refers to the maximum net Cashback of Fifty Pesos (₱50.00) that may be earned by a single Participant within any one calendar month during the Promo Period, regardless of the number or value of qualifying transactions.
Calendar Month	Refers to the period from the first day to the last day of any given calendar month during the Promo Period (e.g., August 24 to September 24, 2026).
Promo Period	Refers to the period commencing on August 24, 2026, running for an initial duration of one (1) calendar months, subject to extension or early termination by UNObank as described in these Terms and Conditions.
Loan Repayment Transaction	Refers to a QRPh P2M Transaction made specifically for the purpose of repaying a loan obligation to a lending institution other than UNObank, Inc., where such payment is made via the QRPh P2M channel through the UNObank App, and where the final posted transaction amount exceeds Two Thousand Pesos (₱2,000.00). Loan repayment payments of ₱2,000.00 or below do not qualify as a Loan Repayment Transaction for purposes of Tier D of this Promo.
First QRPh P2M Transaction	Refers to the very first QRPh P2M Transaction ever made by a Participant via the UNObank App at any point in the Participant’s lifetime as a UNObank account holder. For the avoidance of doubt, this is not limited to the first transaction within the Promo Period — a Participant who has made any QRPh P2M Transaction via the UNObank App at any time prior to August 24, 2026 is NOT considered to have a qualifying ‘First QRPh P2M Transaction’ and is ineligible for Tier A Cashback.

Eligibility

Note on Eligibility: This Promo is by invitation only. Only customers of UNObank, Inc. (“UNObank” or the “Bank”) who receive a campaign notification or invitation via email, SMS/text message, and/or push notification through the UNObank mobile application (“UNObank App”) are eligible to participate in this Promo. While UNObank operates nationwide across the Philippines, this Promo is NOT open to the general public and is exclusively available to select, invited customers who satisfy the eligibility criteria set by UNObank for this Promo. Customers who do not receive such notification are not eligible to participate, regardless of their account status, location, or product holdings.

1. A Participant must maintain his or her UNObank account and Card in good standing, free from suspension, restriction, cancellation, or termination, for the entirety of the Promo Period and up to the date of crediting of the Cashback.

Eligibility and Awarding

Cashback Tier Summary

Tier	Qualifying Transaction	Cashback Amount	Conditions / Notes
Tier A (First Transaction)	First-ever QRPh P2M transaction made by the Participant via the UNObank App at any time in his or her lifetime as a UNObank account holder	₱5.00 (one-time)	Applies only once per Participant. Earned on the Participant’s very first QRPh P2M transaction via the UNObank App, regardless of transaction amount. Customers who have made any QRPh P2M transaction via the UNObank App at any point before August 24, 2026 are NOT eligible for this Tier.
Tier B (₱200+ Spend)	Any QRPh P2M transaction with a final posted amount exceeding ₱200.00 (i.e., ₱200.01 and above), made via the UNObank App to any merchant	₱1.00 per transaction	Does NOT apply to transactions with a final posted amount of ₱5,000.00 or above (Tier C applies instead). Does not apply to loan repayment transactions (Tier D applies instead).
Tier C (₱5,000+ Spend)	Any QRPh P2M transaction with a final posted amount of ₱5,000.00 or above, made via the UNObank App to any merchant	₱10.00 per transaction	Supersedes Tier B. A transaction of ₱5,000.00 or above earns ₱10.00 (not ₱1.00 + ₱10.00). Does not apply to loan repayment transactions (Tier D applies instead).
Tier D (Loan Repayment)	Loan repayment made via QRPh P2M through the UNObank App to any lending institution other than UNObank, Inc. Minimum EMI amount of ₱2,000.01 (i.e., exceeding ₱2,000.00) per transaction required.	₱10.00 per transaction	Maximum of one (1) Cashback per Participant per Calendar Month for Loan Repayment Transactions. Loan repayments to UNObank, Inc. (UNO loans) are excluded. Tiers B and C do not apply to transactions classified under this tier.

Tier A — First QRPh P2M Transaction Cashback

2. A Participant who makes his or her first-ever QRPh P2M Transaction via the UNObank App shall earn a one-time Cashback of Five Pesos (₱5.00). For the avoidance of doubt, ‘first-ever’ means the Participant’s first such transaction in his or her entire lifetime as a UNObank account holder — not merely the first transaction made during the Promo Period.
3. Tier A Cashback is awarded once per Participant only, regardless of the amount of the qualifying transaction. There is no minimum transaction amount for Tier A.
4. Participants who have already made any QRPh P2M Transaction via the UNObank App at any time prior to August 24, 2026, or who have made such a transaction during the Promo Period before the transaction being assessed, are NOT eligible for Tier A Cashback. The Tier A Cashback is available only to those for whom the qualifying transaction is genuinely their very first QRPh P2M Transaction on the UNObank App, ever.
5. Tier A Cashback shall apply in combination with, and in addition to, the applicable Tier B, Tier C, or Tier D Cashback for the same transaction, provided the transaction meets the respective threshold for those tiers (e.g., a Participant’s first-ever QRPh P2M Transaction of ₱300.00 earns both the ₱5.00 Tier A Cashback and the ₱1.00 Tier B Cashback, subject to the Monthly Cap).

Tier B — QRPh P2M Transactions Above ₱200

6. A Participant shall earn Cashback of One Peso (₱1.00) for each QRPh P2M Transaction with a final posted amount exceeding Two Hundred Pesos (₱200.00), subject to the exclusions below.
7. Tier B Cashback does NOT apply where: (a) the final posted transaction amount is ₱5,000.00 or above (in which case Tier C applies); or (b) the transaction is a Loan Repayment Transaction (in which case Tier D applies).
8. Multiple transactions per day and per month may each independently qualify for Tier B Cashback, subject only to the Monthly Cap.

Tier C — QRPh P2M Transactions of ₱5,000 and Above

9. A Participant shall earn Cashback of Ten Pesos (₱10.00) for each QRPh P2M Transaction with a final posted amount of Five Thousand Pesos (₱5,000.00) or above.
10. Tier C Cashback supersedes Tier B for the same transaction. A single transaction of ₱5,000.00 or above shall earn ₱10.00 under Tier C and shall NOT additionally earn ₱1.00 under Tier B. The combined Cashback for such a transaction (excluding any applicable Tier A one-time reward) is ₱10.00.
11. Tier C does NOT apply to Loan Repayment Transactions (Tier D applies instead), regardless of the amount of the loan repayment.
12. Multiple transactions per day and per month may each independently qualify for Tier C Cashback, subject only to the Monthly Cap.

Tier D — Loan Repayment via QRPh P2M

13. A Participant shall earn Cashback of Ten Pesos (₱10.00) for each Loan Repayment Transaction made via QRPh P2M through the UNObank App, subject to the minimum amount and monthly frequency limits set out below.
14. A minimum EMI/installment amount exceeding Two Thousand Pesos (₱2,000.00) per transaction is required to qualify for Tier D Cashback. Loan repayment transactions with a final posted amount of ₱2,000.00 or below shall NOT qualify for Tier D Cashback.
15. Only one (1) Tier D Cashback of ₱10.00 shall be awarded per Participant per Calendar Month, regardless of the number of qualifying Loan Repayment Transactions made during that Calendar Month. Additional qualifying Loan Repayment Transactions within the same Calendar Month shall not earn further Tier D Cashback.
16. Tier D applies exclusively to loan repayments made to lending institutions other than UNObank, Inc. Loan repayments made to UNObank, Inc. (i.e., repayments of any UNO loan product) are expressly excluded from this tier and shall not earn any Cashback under this Promo.
17. For the avoidance of doubt, Tiers B and C do not apply to transactions classified as Loan Repayment Transactions under this tier.
18. For purposes of this Promo, a transaction shall be classified as a Loan Repayment Transaction based on merchant information, merchant category details, biller information, transaction descriptors, payment network records, and other information reasonably available to UNObank at the time the transaction is processed. Where the available information is incomplete, unavailable, or insufficient to determine that a transaction relates to a loan repayment, UNObank shall classify the transaction based on the information reasonably available in its records.

Monthly Cap

19. The maximum net Cashback that a Participant may earn across all Cashback Tiers (A, B, C, and D) combined is Fifty Pesos (₱50.00) per Calendar Month during the Promo Period.
20. Once a Participant has reached the Monthly Cap of ₱50.00 in a given Calendar Month, no further Cashback shall be earned for the remainder of that Calendar Month, regardless of additional qualifying transactions.
21. The Monthly Cap resets at the start of each new Calendar Month during the Promo Period.
22. Illustrative Example: In August 2026, a Participant makes the following transactions: (a) first-ever QRPh P2M transaction of ₱300.00 → Tier A (₱5.00) + Tier B (₱1.00) = ₱6.00; (b) five (5) QRPh P2M transactions of ₱500.00 each → 5 × Tier B (₱1.00) = ₱5.00; (c) two (2) QRPh P2M transactions of ₱7,000.00 each → 2 × Tier C (₱10.00) = ₱20.00; (d) one (1) loan repayment of ₱2,000.00 → Tier D (₱10.00) = ₱10.00. Cumulative Cashback = ₱41.00. Additional qualifying transactions in August will earn Cashback up to the remaining ₱9.00 before the Monthly Cap of ₱50.00 is reached.

Excluded Transactions

The following transactions shall NOT qualify for Cashback under any Tier of this Promo, even if made via QRPh P2M through the UNObank App:

• QRPh P2P (Person-to-Person) transfers and fund transfers of any kind;
• Bills payment transactions not classified as Loan Repayment Transactions (for the avoidance of doubt, utility, telecoms, and other bills payments via QRPh P2M do not qualify unless made to a lending institution for loan repayment);
• Loan Repayment Transactions with a final posted amount of ₱2,000.00 or below;
• Loan repayments made to UNObank, Inc. (UNO loans of any product type);
• Cash advances, quasi-cash transactions, and cryptocurrency purchases;
• Fees, charges, or penalties of any kind;
• Transactions that are pending, failed, reversed, refunded, voided, or disputed;
• Any unauthorized or fraudulent transaction; and
• Any transaction that, based on UNObank’s records and reasonable assessment, is found to be inconsistent with the intent of this Promo, including fraud, abuse, manipulation, or system exploitation.

Cashback awarded for any Eligible Transaction that is subsequently reversed, refunded, cancelled, charged back, or found to be unauthorized, fraudulent, or otherwise ineligible under this Promo may be reversed or recovered by UNObank. Where the Cashback has already been credited to the Participant’s UNObank Savings Account, UNObank may deduct or adjust the corresponding Cashback amount from the Participant’s account.

Fulfilment

23. Cashback earned in a given Calendar Month shall be aggregated across all qualifying transactions for that month and credited in a single credit entry to the Participant’s UNObank Savings Account within forty-five (45) calendar days from the end of that Calendar Month.
24. By way of illustration: Cashback earned in August 2026 (August 24 to August 31) shall be credited on or before October 15, 2026. Cashback earned in September 2026 (September 1 to September 30) shall be credited on or before November 14, 2026.
25. Participants must maintain an active and unrestricted UNObank Savings Account at the time of crediting to receive the Cashback. Accounts that are suspended, restricted, or terminated prior to the credit date shall be disqualified from receiving the Cashback for the affected period.

Taxability:  Cashback awarded under this Promo shall be subject to applicable taxes, if any, in accordance with the National Internal Revenue Code of the Philippines, as amended, and applicable BIR and other relevant regulatory issuances. Where required by law, applicable taxes may be withheld prior to crediting.

Customer Inquiries. Participants may raise questions, concerns, or disputes relating to Cashback qualification, computation, or crediting through UNObank’s official customer support channels within  thirty (30) calendar days from the applicable Cashback crediting date. UNObank shall use reasonable efforts to review and respond to such inquiries in accordance with its customer complaint handling procedures.

Promo Period and Amendment

26. This Promo shall commence on August 24, 2026 and shall run for an initial period of one (1) calendar month, ending on September 24, 2026 (the “Initial Promo Period”), unless extended or terminated earlier by UNObank.
27. UNObank reserves the right to extend, suspend, shorten, modify, or terminate the Promo subject to applicable laws and regulations. Earned Cashback shall not be adversely affected by subsequent changes.
28. Any extension, early termination, or material amendment to this Promo shall be communicated to Participants via the UNObank App, email, SMS, push notification, and/or UNObank’s official website and social media channels, through appropriate customer channels prior to taking effect, except where immediate action is required for security, fraud prevention, operational, legal, or regulatory reasons.
29. In the event of early termination, Cashback validly earned up to the date of termination shall remain creditable, subject to these Terms and Conditions.

General Policies

30. These Terms and Conditions form an integral part of, and must be read together with, UNObank’s general Terms of Service governing the use of UNObank accounts, the UNObank App, and other UNObank products and services, as the same may be amended from time to time.
31. .A Participant who engages in fraud, abuse, manipulation of the Promo mechanics, fictitious or non-genuine transactions, merchant collusion, system exploitation, or any activity inconsistent with the intent of this Promo may be disqualified from participation. UNObank may, upon reasonable determination based on its records and investigation, withhold, reverse, forfeit, recover, or deduct any Cashback awarded or credited under this Promo and may disqualify the Participant from this and future UNObank promotions.
32. UNObank reserves the right to disqualify any Participant and claw back any Cashback already credited if, in UNObank’s sole judgment, the Participant has violated these Terms and Conditions or the applicable UNObank Terms of Service.
33. Any changes to these Terms and Conditions shall be communicated via: (a) the UNObank App; (b) email, SMS, or push notification; and/or (c) UNObank’s official social media channels and website. A Participant’s continued participation in this Promo after such notice constitutes acceptance of the amended Terms and Conditions.
34. .Any extension, suspension, early termination, or amendment to this Promo or these Terms and Conditions shall be communicated through one or more of the following channels: (a) the UNObank App; (b) email, SMS, or push notification; and/or (c) UNObank’s official website and social media channels. A Participant’s continued participation in the Promo following the effectivity of such amendment shall constitute acceptance of the amended Terms and Conditions
35. All QRPh P2M Transactions must be made exclusively through the UNObank App. Transactions made via any other application, platform, or channel — even if using QRPh — shall not qualify for Cashback under this Promo.
36. UNObank is not responsible for any transaction failures, delays, or errors caused by network connectivity issues, merchant system downtime, BSP QRPh infrastructure issues, or any other factor beyond UNObank’s reasonable control.
37. This Promo is governed by the laws of the Republic of the Philippines. Any dispute arising from or relating to this Promo that cannot be resolved through UNObank’s Customer Happiness process may be escalated to the BSP’s Financial Consumer Protection Department in accordance with BSP Circular No. 857 (Financial Consumer Protection Framework) and applicable BSP regulations.

Dispute Resolution and Reservation of Rights

38. All decisions of UNObank relating to the eligibility of Participants, the classification and validity of transactions under the applicable Cashback Tier, and the crediting, withholding, reversal, or forfeiture of Cashback under this Promo shall be final and binding, subject to applicable law and BSP regulations.
39. Any concern, complaint, question, or dispute relating to this Promo — including but not limited to disputes over transaction classification, Cashback computation, or non-crediting of Cashback — must be raised by the Participant with UNObank’s Customer Happiness team through any of the official support channels below. UNObank shall make commercially reasonable efforts to review, investigate, and respond to such concerns in a timely manner.
40. UNObank reserves all rights not expressly granted under these Terms and Conditions, including the right to interpret these Terms and Conditions, determine the eligibility of any Participant or transaction, resolve ambiguities in Cashback Tier classification, and take any action it deems necessary to protect the integrity of this Promo and UNObank’s products and services.
41. Nothing in these Terms and Conditions shall be construed as a waiver of any right or remedy available to UNObank under its Terms of Service, applicable law, or regulation.

For inquiries, concerns, or disputes, please contact UNObank’s Customer Happiness team:

• Phone (landline): (02) 8811 8866
• Phone (mobile): +63 919 059 9866
• In-app: Chat with us through the UNObank mobile application

Regulatory Disclosure

UNObank, Inc. is a digital bank duly licensed by, and operating under the supervision of, the Bangko Sentral ng Pilipinas (BSP). Deposits are insured by the Philippine Deposit Insurance Corporation (PDIC) up to the applicable maximum deposit insurance coverage per depositor. This Promo is subject to BSP regulations on financial consumer protection.