Skincare on Installment

0% interest up to 12 months + up to 50% OFF or perks at select partners The Health, Beauty, and Wellness on Installment Category Campaign (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 August 15 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: 0% interest up to 12 months term Exclusive discounts of up to 50% OFF or freebies on health, beauty, and wellness packages (offer and promo period may vary per partner merchant) Payment Holiday – Option to pay 4 months later (3 months billing holiday offer) from September 9 to December 31, 2026 from participating merchants of BUY NOW PAY NEXT YEAR Program 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. If the Cardholder chooses not to avail of the BUY NOW PAY NEXT YEAR with payment holiday option, 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 promotional discount is not convertible to cash or other item(s). he monthly installment due on BUY NOW PAY NEXT YEAR with payment holiday 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: a. Pay on installment for August 15 to September 8, 2026 transactions: b. Pay 4 months later for September 9 to December 31, 2026 transactions: Billing of the first (1st) monthly installment will follow below schedule if cardholder opts to avail BUY NOW PAY NEXT YEAR offer on September 9 to December 31, 2026: 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 q