BUY NOW PAY NEXT YEAR at SM Store!

Pay 4 months later with BDO Credit Cards The “BUY NOW PAY NEXT YEAR at SM Store” (Promo) is open to all active Principal and Supplementary Credit Cardholders of BDO (Mastercard, Visa, American Express, JCB, Diners Club, and UnionPay), collectively the “BDO Cardholders”. The following cards are NOT eligible to participate in the Promo: BDO Corporate Cards and BDO Debit Cards. The Promo will run from September 9 to December 31, 2026 at SM Store branches nationwide and online via Personal Shopper. Offers: 0% interest up to 6 months term for a minimum single-receipt purchase of P5,000 BUY NOW PAY 4 MONTHS LATER The monthly installment due on qualified BUY NOW PAY LATER transactions, together with the monthly interest and penalty charge (if any), will be billed to the Cardholder starting on the fourth (4th) statement cut-off from transaction date and every month thereafter until the total amount payable is paid in full. Sample billing schedule ​ The minimum purchase requirement is defined as net of all applicable discounts. All BDO Credit Card transactions are subject to bank approval. Terms and Conditions of BUY NOW PAY LATER apply. For reference, visit: General Terms and Conditions ​ ​ BUY NOW PAY NEXT YEAR Promo ​ 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. For concerns on the partner merchant’s products and/or services, you may reach out to SM Store’s customer support at (02) 8811-0000. Per DTI Fair Trade, Permit No. FTEB-244037, Series of 2026.