Buy Now, Pay Later at 0% Interest on 3 Months Installment Term Promo Mechanics

1. Promo Period is from March 27 to May 26,2020.

2. The Promo is only for qualified EastWest Credit Cardholders (“Cardholders”) in good credit standing* and have
received the Buy Now, Pay Later (BNPL) on Retail Transactions Promo Message.

3. EastWest Credit Cardholders qualified for the BNPL Promo will enjoy a two (2) month payment deferment on new
straight retail transactions (“Eligible Transactions”) posted from the day after their last statement date up to at least
two (2) banking days before their current statement is generated.

4. The minimum single or accumulated amount of Eligible Transaction/s must be at least Php3,000 to qualify for
the BNPL Promo. Eligible Transactions under the Promo will automatically be subject to two (2) months payment
deferment and will be re-billed in three (3) equal monthly installments thereafter. The total amount of deferred
Eligible Transactions shall hereinafter be referred to as the “BNPL Amount”.

5. Aside from the two (2) month payment deferment, qualified EastWest Credit Cardholders will also enjoy 0% interest
for a three (3) month installment term on the BNPL Amount.

6. The monthly installment due on the BNPL Amount will be billed to the Cardholder starting on the third statement
cycle after the BNPL transaction date and every month thereafter until the BNPL Amount is paid in full.

7. The BNPL Promo will follow below schedule:

March 2020
Statement Date Statement Date
Cut-off Transactions Covered of BNPL Amount of 1st Monthly Amortization

27 Feb 28 to Mar 24 27-Mar-20 27-May-20

28 Mar 2 to 24 27-Mar-20 28-May-20

April 2020
Statement Date Statement Date
Cut-off Transactions Covered of BNPL Amount of 1st Monthly Amortization

1 Mar 3 to 27 1-Apr-20 1-Jun-20

2 Mar 3 to 27 2-Apr-20 2-Jun-20

3 Mar 4 to 30 3-Apr-20 3-Jun-20

4 Mar 5 to 30 3-Apr-20 4-Jun-20

5 Mar 6 to 30 3-Apr-20 5-Jun-20

6 Mar 7 to Apr 1 6-Apr-20 5-Jun-20

7 Mar 7 to Apr 2 7-Apr-20 5-Jun-20

8 Mar 7 to Apr 3 8-Apr-20 8-Jun-20

9 Mar 10 to Apr 3 8-Apr-20 9-Jun-20

10 Mar 11 to Apr 3 8-Apr-20 10-Jun-20

11 Mar 12 to Apr 3 8-Apr-20 11-Jun-20

12 Mar 13 to Apr 3 8-Apr-20 11-Jun-20

13 Mar 14 to Apr 6 13-Apr-20 11-Jun-20

14 Mar 14 to Apr 6 14-Apr-20 11-Jun-20

15 Mar 14 to Apr 8 15-Apr-20 15-Jun-20

16 Mar 17 to Apr 13 16-Apr-20 16-Jun-20

17 Mar 18 to Apr 14 17-Apr-20 17-Jun-20

18 Mar 19 to Apr 14 17-Apr-20 18-Jun-20

19 Mar 20 to Apr 14 17-Apr-20 19-Jun-20

20 Mar 21 to Apr 14 20-Apr-20 19-Jun-20

21 Mar 21 to Apr 15 21-Apr-20 19-Jun-20

22 Mar 21 to Apr 17 22-Apr-20 22-Jun-20

23 Mar 24 to Apr 20 23-Apr-20 23-Jun-20

24 Mar 25 to Apr 21 24-Apr-20 24-Jun-20

25 Mar 26 to Apr 21 24-Apr-20 25-Jun-20

26 Mar 27 to Apr 21 24-Apr-20 26-Jun-20

27 Mar 28 to Apr 22 27-Apr-20 26-Jun-20

28 Mar 28 to Apr 23 28-Apr-20 26-Jun-20

 May 2020
Statement Date Statement Date
Cut-off Transactions Covered of BNPL Amount of 1st Monthly Amortization

1 Apr 2 to 28 4-May-20 1-Jul-20

2 Apr 3 to 28 4-May-20 2-Jul-20

3 Apr 4 to 28 4-May-20 3-Jul-20

4 Apr 4 to 28 4-May-20 3-Jul-20

5 Apr 4 to 28 5-May-20 3-Jul-20

6 Apr 7 to 30 6-May-20 6-Jul-20

7 Apr 8 to 30 7-May-20 7-Jul-20

8 Apr 9 to May 5 8-May-20 8-Jul-20

9 Apr 9 to May 5 8-May-20 9-Jul-20

10 Apr 9 to May 5 8-May-20 10-Jul-20

11 Apr 9 to May 6 11-May-20 10-Jul-20

12 Apr 9 to May 7 12-May-20 10-Jul-20

13 Apr 14 to May 8 13-May-20 13-Jul-20

14 Apr 15 to May 11 14-May-20 14-Jul-20

15 Apr 16 to May 12 15-May-20 15-Jul-20

16 Apr 17 to May 12 15-May-20 16-Jul-20

17 Apr 18 to May 12 15-May-20 17-Jul-20

18 Apr 18 to May 13 18-May-20 17-Jul-20

19 Apr 18 to May 14 19-May-20 17-Jul-20

20 Apr 21 to May 15 20-May-20 20-Jul-20

21 Apr 22 to May 18 21-May-20 21-Jul-20

22 Apr 23 to May 19 22-May-20 22-Jul-20

23 Apr 24 to May 19 22-May-20 23-Jul-20

24 Apr 25 to May 19 22-May-20 24-Jul-20

25 Apr 25 to May 20 25-May-20 24-Jul-20

26 Apr 25 to May 21 26-May-20 24-Jul-20

8. Transactions not included in the BNPL Amount will be billed on a regular basis and shall be included in the Minimum
Payment Due computation, as well as subjected to finance charge computation, if applicable.

9. Installments, Quick Bills, auto-charge & cash advance transactions, auto-charged insurance premiums, fees and
charges are not eligible under this promo and will likewise be billed on a regular basis, included in the Minimum
Payment Due computation, as well as subjected to finance charge computation, if applicable.

10. 0% interest is applicable if the Cardholder pays his/her monthly installment in full**
Example: BNPL Amount = Php9,000
Term = 3 months
Monthly Installment = Php9,000 / 3 => Php3,000 per month for 3 months

11. The BNPL Amount shall be deducted from the Cardholder’s available credit limit.

12. Qualified Cardholders may opt not to avail of the Promo by calling EastWest’s 24-Hour Customer Service at
+(632) 8888-1700 or by sending an e-mail to cards@eastwestbanker.com.

13. In the event that qualified Cardholder’s outstanding balance exceeds his/her prescribed credit limit during the promo
period, the corresponding Over Credit Limit Fee shall be imposed. The amount in excess of the prescribed credit limit
shall be part of Cardholder’s Minimum Payment Due in his/her next billing statement.

14. In case of disputes related to the Promo, the decision of EastWest shall be conclusive with the approval of DTI.
All questions or disputes regarding the Cardholder’s eligibility for the Promo shall be resolved by EastWest.

15. The Cardholder confirms that he/she has read and understood, and agrees to be bound by, the mechanics of
the Buy Now, Pay Later on Retail Transactions Promo.

16. Cardholders shall continue to be bound by and comply with the Terms and Conditions Governing the Issuance and
Use of EastWest Credit Cards which is incorporated herein by reference and of which the Cardholder was furnished
copies by EastWest.

Per DTI Fair Trade Permit No. FTEB-03695, Series of 2020

*Cardholders in good credit standing are those whose accounts are not delinquent, not under investigation due to suspected fraudulent activities, those
whose EastWest Credit Cards are not reported lost or stolen, and those who have not, otherwise, violated any of the Terms and Conditions Governing
the Issuance and Use of EastWest Credit Cards.
**Each fixed monthly installment forms part of the total statement balance. Should the Cardholder opt to pay only the Minimum Payment Due, this would
include only a percentage of the monthly installment. In which case, an interest charge shall be imposed.