BUY NOW PAY LATER at OUR HOME!

0% interest up to 24 months + FREE item on minimum spend The Promo is open to all active Principal and Supplementary Credit Cardholders of BDO (Mastercard, Visa, American Express, JCB, Diners Club and UnionPay). Excluded from the Promo are BDO Corporate Cards, BDO Commercial Cards, and BDO Debit Cards. The Promo runs from July 1 to December 31, 2026 at OUR HOME branches nationwide. Qualified BDO Credit Cardholders may avail of the following BUY NOW PAY LATER offers: 0% interest up to 24 months term with a minimum spend requirement Free item with a minimum spend requirement OUR HOME 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 March 1, 2027. Cardholders with lost/ stolen or faded/ unreadable installment charge slip will not be allowed to redeem. BDO and OUR HOME 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 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 LATER (BNPL) schedule for transactions: 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 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, 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. 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 with in 60 days after promo end date, after which all matters relating to the Promo are considered conclusive. For concerns on the partner merchant’s products and/or services, you may reach out to the merchant’s customer support at ourhome.customercare@smretail.com. This Promo is subject to the Terms and Conditions Governing the Issuance and Use of BDO Credit Cards. Per DTI Fair Trade, Permit No. FTEB-261478, Series of 2026. ​Merchant 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 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. For items not included in the 0% offer, monthly add-on rates below will apply: Note: Above computation is pre