Assume there are $x, y$ such that $\phi(xy) = \phi(x)\phi(y) \neq \phi(y)\phi(x)$ (otherwise $\phi(xy) = \phi(y)\phi(x)$ always and we are done).
Take some $z$.
By $(1)$, $\phi(x(y + z)) = \phi(x)\phi(y) + \phi(xz)$.
By $(2)$, either $\phi(x(y + z)) = \phi(x)\phi(y) + \phi(x)\phi(z)$ or $\phi(x(y + z)) = \phi(y)\phi(x) + \phi(z)\phi(x)$.
In the first case we have $\phi(x)\phi(y) + \phi(xz) = \phi(x)\phi(y) + \phi(x)\phi(z)$, so $\phi(xz) = \phi(x)\phi(z)$.
In the second case we have $\phi(x)\phi(y) + \phi(xz) = \phi(y)\phi(x) + \phi(z)\phi(x)$. But as $\phi(x)\phi(y) \neq \phi(y)\phi(x)$, we necessary have $\phi(xz) \neq \phi(z)\phi(x)$, so again $\phi(xz) = \phi(x)\phi(z)$.
Similarly for any $z$ we have $\phi(z y) = \phi(z)\phi(y)$.
Next, $\phi((x + y)(x + y)) = \phi(x + y)\phi(x + y) = \phi(x)\phi(x) + \phi(x)\phi(y) + \phi(y)\phi(x) + \phi(y)\phi(y)$ and also $\phi((x + y)(x + y)) = \phi(xx + xy + yx + yy)$, so $\phi(yx) = \phi(y)\phi(x)$.
Now take some $a$ and $b$. We have $\phi(ab) = \phi((a + x - x)b) = \phi((a - x)b) + \phi(x)\phi(b)$. If $\phi((a - x)b) = \phi(a - x)\phi(b)$, then $\phi(ab) = \phi(a) \phi(b)$. Otherwise we have $\phi(ab) = \phi(b)\phi(a) - \phi(b)\phi(x) + \phi(x)\phi(b)$. If $\phi(x)\phi(b) \neq \phi(b)\phi(x)$, then we again have $\phi(ab) \neq \phi(b)\phi(a)$, so $\phi(ab) = \phi(a)\phi(b)$.
So if $\phi(ab) \neq \phi(a)\phi(b)$, we necessary have $\phi(x)\phi(b) = \phi(b)\phi(x)$. Similarly we have $\phi(x)\phi(a) = \phi(a)\phi(x)$ and the same for $y$.
Now $\phi((x + a)(y + b)) = \phi(xy + xb + ay + ab) = \phi(x)\phi(y) + \phi(x)\phi(b) + \phi(a)\phi(y) + \phi(ab)$.
At the other hand, $\phi((x + a)(y + b)) = \phi(x + a)\phi(y + b)$ or $\phi((x + a)(y + b)) = \phi(y + b)\phi(x + a)$.
In the first case, we have $\phi(x)\phi(y) + \phi(x)\phi(b) + \phi(a)\phi(y) + \phi(ab) = \phi(x)\phi(y)+\phi(x)\phi(b)+\phi(a)\phi(y)+\phi(a)\phi(b)$ so $\phi(ab) = \phi(a)\phi(b)$.
In the second, $\phi(x)\phi(y) + \phi(x)\phi(b) + \phi(a)\phi(y) + \phi(ab) = \phi(y)\phi(x) + \phi(b)\phi(x) + \phi(y)\phi(a) + \phi(b)\phi(a) =\\ \phi(y)\phi(x) + \phi(x)\phi(b) + \phi(a)\phi(y) + \phi(b)\phi(a)$. As $\phi(x)\phi(y) \neq \phi(y)\phi(x)$, we again have $\phi(ab) \neq \phi(b)\phi(a)$, so $\phi(ab) = \phi(a)\phi(b)$.
Thus, for any $a$ and $b$ we have $\phi(ab) = \phi(a)\phi(b)$. QED.