BUY NOW PAY NEXT YEAR at Henry’s Cameras!

0% interest up to 24 mos + freebies on select cameras The Promo is open to all active Principal and Supplementary Credit Cardholders of BDO (Mastercard, Visa, American Express, JCB, Diners Club, and UnionPay). Corporate, Commercial and Proprietary Cards are excluded from the Promo. The Program is available from August 5, 2026 to January 31, 2027 in all Henry’s Cameras stores. Qualified BDO Credit Cardholders can avail of the following exclusive BUY NOW PAY NEXT YEAR offers: Free Kodak Charmera Camera or Pgytech Camera Strap with any purchase of full-frame cameras at 0% interest on 24-month term Pay 4 months later for September 9 to December 31, 2026 transactions 0% interest up to 24 months term Henry’s Cameras has the sole discretion on the term(s), item(s), service(s), and/or channel(s) applicable for the Zero Percent (0%) Interest offering. The promotional free item is not convertible to cash, discount, or other item(s). To redeem the free item, BDO Credit Cardholder must present the original customer’s copy of the BDO installment charge slip and the qualified sales invoice at the store’s payment counter. Redemption period is until April 1, 2027. Cardholders with lost/stolen or faded/unreadable installment charge slip will not be allowed to redeem. BDO and Henry’s Cameras are not obliged to recognize or replace lost or faded charge slip(s) for purposes of item(s) redemption. Redemption of free items from split transactions is not allowed. 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 billing of first (1st) installment from transaction date for BUY NOW PAY LATER (BNPL) transactions follows below schedule: Sample BNPL schedule for transactions from August 5 to September 8, 2026 and January 1 to 31, 2027: The first monthly installment of a transaction under the BUY NOW PAY LATER Program will be billed to the Cardholder on the next cycle after the transaction date and payment thereof is due 25 days after the statement cut-off. Sample BUY NOW PAY NEXT YEAR (BNPNY) schedule for transactions from September 9 to December 31, 2026: The BUY NOW PAY NEXT YEAR Promo is effective September 9 to December 31, 2026. The monthly installment due on BNPNY 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. All BDO BUY NOW PAY NEXT YEAR transactions are subject to bank approval. 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 NEXT YEAR 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 amount due and the corresponding BUY NOW PAY NEXT YEAR Processing Fee shall form part of the total outstanding amount due for the pertinent monthly billing cycle and must be paid in full. 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. All complaints will be handled 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 April 1, 2027 after which all