BUY NOW PAY NEXT YEAR at MemoXpress

Get up to P5,600 OFF + 0% interest up to 24 months The BUY NOW PAY LATER at MemoXpress (Promo) is open to all active Principal and Supplementary Credit Cardholders of BDO (Mastercard, Visa, American Express, JCB, Diners Club, and UnionPay), collectively, "BDO Credit Cardholders". Corporate, Commercial, and Proprietary Cards are excluded from the Promo. The Promo will run from September 5 to December 31, 2026 at Memoxpress store branches nationwide and at https://mxmemoxpress.com ​Qualified BDO Credit Cardholders may avail of the following BUY NOW PAY LATER at MemoXpress offers: Up to P5,600 OFF for Samsung S25 Ultra Up to P800 OFF for select Apple products 0% installment up to 24 months term BUY NOW PAY NEXT YEAR - Pay 4 months later for September 9 - December 31, 2026 transactions To illustrate ​ Regular Installment ​ Sample Computation ​Note: There may be a slight difference between the actual monthly installment amortization billed and the computed monthly installment amortization presented in the sample computation. Amounts may differ due to rounded values. MemoXpress has the sole discretion to determine the minimum required purchase, item(s), and/or service(s) applicable for the Zero Percent (0%) and Regular Installment offering. The promotional discount is not convertible to cash or other item(s). If the Cardholder chooses not to avail of the 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 billing of the first (1st) installment from transaction date for BUY NOW PAY LATER (BNPL) transactions follows below schedule: Sample BUY NOW PAY LATER schedule ​The BUY NOW PAY NEXT YEAR (BNPNY) Promo is effective September 9 – December 31, 2026. The monthly installment due on BNPNY transactions 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. All BUY NOW PAY LATER transactions are subject to bank approval. 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. The entire BUY NOW PAY LATER transaction amount shall be deducted from the Cardholder’s available limit. 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 Regular Installment transactions, provided that the Cardholder's total outstanding balance due for the pertinent monthly billing cycle is paid in full. Further, a corresponding Installment 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 Installment Processing Fee shall form part of the total outstanding amount due for the pertinent monthly billing cycle and must be paid in full. 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. 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-266453 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 wi