SM Appliance Center Anniversary Sale on BUY NOW PAY NEXT YEAR!

Up to 45% OFF + BUY NOW PAY NEXT YEAR at 0% interest up to 24 months The Promo is open t o all act ive Principal and Supplement ary Credit Cardholders of BDO (Master card, Visa, American Express, JCB, Diners Club, and UnionPay). Corporate, Commercial and Proprietary Cards are excluded from the Promo. The Promo is available in all branches of SM Appliance Center from store branches November 1 to 30, 2026 . Qualified BDO Credit Cardholders may avail of the following exclusive BUY NOW PAY NEXT YEAR offers: Up to 45% OFF Free P400 Starbucks Gift Card on purchase of select Ranges with P15K minimum spend. 0% interest up to 24 months term Pay 4 months later SM Appliance Center has the sole discretion to determine the minimum required purchase amount, term(s), item(s)/ and/or service(s) and channel(s) applicable for the Zero Percent (0%) interest offering. The promotional discount and free item is not convertible to cash, another discount, or other item(s). The Promo cannot be used in conjunction with the store's other promotional offers, in-store sale or discounts, privileges and VIP cards, and shall be subject to the existing store's terms and conditions. The entire BUY NOW PAY NEXT YEAR transaction amount shall be deducted from the Cardholder’s available credit limit. All BDO BUY NOW PAY NEXT YEAR transactions are subject to bank approval. The BUY NOW PAY NEXT YEAR (BNPNY) is effective from November 1 to 30, 2026. The monthly amortization due on this transaction, together with the monthly interest and penalty charge (if any), will be billed to the Cardholder starting on the 4th statement cycle after the original transaction date and every month thereafter until the total amount payable is paid in full. Sample BUY NOW PAY NEXT YEAR Payment Schedule: BDO may, at its sole and absolute option, accommodate Cardholder’s request to accelerate the charging of the full amount of the remaining unbilled monthly amortization/s on BUY NOW PAY LATER transactions, provided that the Cardholder's total outstanding balance due for the pertinent monthly billing cycle is paid in full. Further, a corresponding BUY NOW PAY NEXT YEAR Processing Fee of 5% of the total remaining balance or P500, whichever is higher, will be charged to the Cardholder’s account. After BDO has approved the Cardholder's acceleration, the total accelerated For promo-related complaints, BDO will handle complaints within 7 to 10 banking days from receipt of complaint, provided with complete information, proof of purchase and other supporting documents. All questions and issues arising from the Promo will only be accepted not later than November 30, 2026, after which all matters relating to the Promo are considered conclusive. For concerns on the partner merchant’s products and/or services, you may reach out to the merchant’s customer support via www.smappliance.com/pages/customer-support ​ In case of dispute in respect of, but not limited to BDO Credit Cardholder's eligibility, coverage of dates, fulfillment, BDO's decision shall prevail. All questions or disputes regarding the Cardholder's eligibility for the Promo shall be resolved by BDO in concurrence with DTI. The Promo is subject to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards. Per DTI Fair Trade, Permit No. FTEB-266292, Series of 2026 Qualified cardholders may avail of the Zero Percent (0%) interest for a minimum single purchase worth P3,000, subject to existing minimum BUY NOW PAY LATER amount agreement with partner merchant. Participating merchants shall have sole discretion in determining the applicable term(s), item(s), service(s), and channel(s) for the BNPL offering. Participation may vary by merchant, store, or branch, and the decision as to whether a particular store or branch will honor the Program shall be at the participating merchant's sole discretion. Certain merchants, stores, or branches may be excluded from the promotion. For items not included in the 0% offer, monthly add-on