PROMO MECHANICS

1. The promo is open to RCBC Bankard Principal and Supplementary cardholders whose accounts are active and in good credit standing.
2. Promo period is from February 15 to December 31, 2020.
3. Valid in all OGAWA stores nationwide.
4. To avail of the offer, cardholder must use his/her RCBC Bankard to pay for his/her bill.
5. Cardholders can avail of 0% installment for up to 24 months on Buy Now Pay Later basis, subject to bank's approval. See the list of discounted items below.
6. Promo is not valid in conjunction with existing promotional offers of RCBC Bankard and the merchant partner. 

Easyterms 0% interest Installment and Buy Now Pay Later

1. Easyterms 0% interest is applicable if the cardholder pays his/her monthly installment in full.
2. RCBC Bankard Easytems 0% Installment is subject to RCBC Bankard’s approval.
3. RCBC Bankard cardholders have the option to pay their first amortization three months after.
4. Easyterms 0% installment merchant partners have the sole discretion over the term/s, item/s, minimum spend requirement and availability of BNPL applicable for the 0% interest offering.
5. If cardholder decides to pay the installment plan in full before maturity, a pre-termination fee of Php500.00 or 5% of the unpaid principal amount, whichever is higher, will be charged. 

Per DTI Fair Trade Permit No. FTEB 02296 Series of 2020