BUY NOW PAY NEXT YEAR Exclusive Deals

From BDO’s promo page

Up to 30% OFF or Exclusive Perks + 0% up to 24 Months + Pay Next Year The BUY NOW PAY NEXT YEAR Exclusive Deals (the “Promo”) is open to all active Principal and Supplementary Credit Cardholders of BDO (Mastercard, Visa, American Express, JCB, Diners Club, and UnionPay), collectively, the "Cardholders". Corporate Cards, Distribution Cards and Purchasing Cards are excluded from the Promo. The Promo is available at select participating partner merchant stores and branches from November 5 to December 31, 2026. It is not applicable for online transactions. Promo offer and availment period may vary per partner merchant. Qualified BDO Credit Cardholders may avail of the following BUY NOW PAY LATER offers: Up to 30% off and/or exclusive perks from partner merchants. (Offers and periods may vary per merchant.) 0% interest up to 24 months term Option to pay 4 months later Partner Merchants have the sole discretion to determine the minimum required purchase amount, term(s), item(s), service(s), and/or services(s) and channel(s) applicable for the Zero Percent (0%) interest offering. The promotional discount is not convertible to cash or other item(s). The monthly installment due on BUY NOW PAY NEXT YEAR with payment holiday (BUY NOW PAY NEXT YEAR) transactions will be billed to the Cardholder starting on the fourth (4th) statement cycle after the original transaction date and every month thereafter until the total amount payable is paid in full. To illustrate: Pay 4 months later for November 5 – December 31, 2026 transactions: If the Cardholder chooses not to avail of the BUY NOW PAY LATER with payment holiday option (BUY NOW PAY NEXT YEAR), the first monthly installment will be billed on the next statement following the transaction date. However, the Cardholder will still remain eligible for any applicable discount or free items. The Promo cannot be used in conjunction with the store’s promotional offers, in-store sale or discounts, privileges and VIP cards, and shall be subject to the existing store’s terms and conditions. All BUY NOW PAY LATER transactions are subject to bank approval. There is no limit to the number of transactions that a Cardholder may convert under the BUY NOW PAY LATER Promo, subject to the Cardholder’s available credit line and compliance with these Terms and Conditions. The entire BUY NOW PAY LATER transaction amount shall be deducted from the Cardholder’s available limit. Principal and Supplementary Credit Cardholders must transact separately. 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 the 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 LATER 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 request, the total accelerated amount due and the corresponding BUY NOW PAY LATER Processing Fee shall form part of the total outstanding amount due for the pertinent monthly billing cycle and must be paid in full. Partner Merchants have the sole discretion on the term/s applicable for the Zero Percent (0%) offering. Zero Percent (0%) interest is applicable if the cardholder pays his/ her monthly installment in full. If qualifying transaction/s were disputed at a later date, or if the transaction is found to be invalid/not qualified / fraudulent, or a reversal of entry is made on any of the qualified transactions, the Cardholder accepts and agrees that the total amount or value of redeemed reward / gift card will be charged to the Credit Cardholder's account. 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

Quoted from BDO (deals.bdo.com.ph). The bank’s page has the full mechanics and is the final word.