The SM Store Easy Payment Plan Promo

1. The promo is open to all EastWest credit cardholders (”Cardholders”) in good credit standing.*

2. The promo is valid until December 31, 2018.

3. The offer is valid for 0% interest on installment for up to 6 months. The minimum purchase amount for installment is Five Thousand
Pesos (Php5,000.00) (single or multiple item purchases).

4. 0% interest on installment sample computation:

Monthly Total Amortization

Item Item Price Term Amortization (Monthly Amortization x
(Price ÷ Term) Term)
Item A 5,000.00 3 mos. 1,666.67 5,000.00
Item B 5,000.00 6 mos. 833.33 5,000.00

5. The 0% interest on installment offer shall apply provided that the Cardholders pay their total statement balance in full.**

6. All 0% interests on installment transactions are subject to EastWest’s credit authorization criteria upon purchase of goods.

7. Terms and Conditions for Merchant Installment indicated in the Terms and Conditions Governing the Issuance and Use of EastWest
Credit Cards shall apply.

8. By joining this promo, the Cardholder confirms that he has read, understood, and agreed to the mechanics of the promo, including,
but not limited to, these terms and conditions.

9. For any inquiry on the promo or concern on the card account, Cardholders may contact EastWest Customer Service at 888-1700 or
e-mail us at cards@eastwestbanker.com.

10. In case of disputes related to the promo, the decision of EastWest and The SM Store shall be conclusive with the concurrence of DTI.
All questions or disputes regarding the Cardholder’s eligibility for the Promo shall be resolved by EastWest.

* 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 will be imposed in addition to the applicable interest due on the
monthly installment.

Per DTI-FTEB Permit No. 16771, Series of 2018.

EastWest is regulated by the Bangko Sentral ng Pilipinas. For inquiries or complaints, you may call EastWest's 24-Hour Customer Service at (02) 888-1700 or
e-mail cards@eastwestbanker.com. Similarly, you may also contact the BSP Financial Consumer Protection Department at (02) 708-7087.