ENJAZ AND BANK OF COMMERCE LUCKY PADALA PROMOTION Promotion Period 15 September to 15 December 2026 Participating Market Kingdom of Saudi Arabia (KSA) Qualified Channels All Enjaz Branches KSA-wide Al Enjaz electronic channels (i.e. . Enjaz Pay App, Self-service Kiosks, or Smart POS) Remittance Services Bank of Commerce Cash Pick Up Anywhere (via Bank of Commerce Branches or via its Payout Partners nationwide)Bank of Commerce Credit to Bank Account (with Bank of Commerce or Other Philippine Banks) Lucky Draw Dates 31 October 2026 | 30 November 2026 | 30 December 2026 1. Eligibility The promo is open to all Filipino workers in the Kingdom of Saudi Arabia (KSA) The participant must successfully send a remittance transaction to the Philippines through any Enjaz Branch KSA-wide or Enjaz electronic channel ( i.e. Enjaz Pay App, Self-service Kiosks, or Smart POS remittance, using these remittance services: Bank of Commerce Cash Pick Up Anywhere (via Bank of Commerce Branches or via its Payout Partners nationwide) Bank of Commerce Credit to Bank Account (with Bank of Commerce or Other Philippine Banks) Employees of Enjaz and Bank of Commerce directly involved in the promotion, and their relatives within the degree of relationship prescribed by applicable regulations, are disqualified from joining the promotion. 2. How to Earn Lucky Draw Entries Each successful qualifying remittance transaction made during the promotion period earns the sender one (1) electronic lucky draw entry, regardless of transaction amount. A remittance transaction is considered successful only when the funds have been claimed by the Cash Pick-Up beneficiary or successfully credited to the beneficiary’s bank account. Customers may earn multiple entries throughout the promotion period. Each additional successful qualifying remittance transaction earns one (1) additional entry. Entries earned during each qualifying transaction period are valid only for the corresponding monthly draw and will not carry over to succeeding monthly draws. 3. Lucky Draw Schedule and Covered Transactions The electronic raffle draws will be held at the Enjaz office located at 8229 Al Mutamarat, Riyadh 3952â12711, Kingdom of Saudi Arabia. The draw shall be conducted under the supervision/verification of authorized representatives of Enjaz and the Saudi Ministry of Commerce and/or the relevant Chamber of Commerce, as applicable. Qualifying transactions must be successfully completed by 11:59 PM KSA time on the last day of the applicable monthly qualifying period. Entries earned during a particular qualifying period shall be valid only for the corresponding monthly draw and shall not carry over to succeeding monthly draws. Below is the schedule of the monthly lucky draws. Lucky Draw Date Qualifying Transaction Period Draw Coverage 31 October 2026 15 September to 15 October 2026 All qualified entries 30 November 2026 15 October to 15 November 2026 All qualified entries 30 December 2026 15 November to 15 December 2026 All qualified entries 4. Prizes A total of 31 winners will be selected per monthly draw, for a total of 93 winners across the three-month promotion. Prize Winners / Draw Total Winners 3-Month Prize Value PHP 100,000 cash prize – for remitter 1 3 PHP 300,000 PHP 10,000 SMC grocery package/voucher – for nominated beneficiary 20 60 PHP 600,000 PHP 1,000 Petron Prepaid Card – for nominated beneficiary 10 30 PHP 30,000 TOTAL 31 93 PHP 930,000 The PHP 100,000 cash prize shall be awarded by Enjaz to the winning remitter in Saudi Arabia and funded by Bank of Commerce. The prize amount is net of applicable taxes, if any, which shall be for the account of Bank of Commerce. The cash prize shall be paid in Saudi Riyals (SAR) and deposited by Enjaz into the winning remitterâs Enjaz account. The SAR amount shall be equivalent to PHP 100,000, converted using Enjazâs published PHP-to-SAR exchange rate prevailing on the date of the applicable monthly lucky draw. The PHP 10,000 SMC grocery package/voucher and PHP 1,000 Petron Prepaid Fuel Card are prizes won by the remitter but shall be awarded/released to the remitterâs nominated beneficiary in the Philippines. These prizes are not convertible to cash and are subject to the applicable terms and conditions of the respective providers. The remitterâs nominated beneficiary for purposes of receiving the SMC grocery package/voucher or Petron Prepaid Fuel Card need not be the same person as the beneficiary of the qualifying remittance transaction, provided that the nominated beneficiary is based in the Philippines and satisfies the applicable prize-claiming and verification requirements. The PHP 10,000 SMC Grocery Package shall be awarded in the form of a single-use grocery voucher/certificate worth PHP 10,000, redeemable by the nominated beneficiary through a designated participating grocery retailer with nationwide coverage. The voucher may be used to redeem eligible San Miguel Corporation (SMC) grocery products in a single transaction. If the total value of the items purchased is less than PHP 10,000, any unused portion of the voucher value shall be forfeited and no cash change or refund shall be given. If the total purchase exceeds PHP 10,000, the beneficiary shall pay the excess amount directly to the participating retailer. Redemption shall be subject to the applicable terms and conditions of the designated participating grocery retailer. Each PHP 1,000 Petron Prepaid Fuel Card shall be preloaded with PHP 1,000 and may be used for fuel purchases at 423 participating Petron stations nationwide, as of 31 August 2026, subject to changes in Petronâs participating-station network. The card may be used over multiple transactions until the loaded value is fully consumed. Partial fuel purchases are allowed, and the card and its loaded value have no expiration. 5. Lucky Draw Rules Winners shall be electronically selected at random from the database of qualified entries for the applicable monthly qualifying period using a computerized random-selection system. A participant may win only one (1) prize per monthly draw. If the same participant is drawn more than once in a monthly draw, only the highest-value prize will be awarded. Winners may remain eligible for succeeding monthly draws by making new qualifying remittance transactions during the promotion period. A participant may win the PHP 100,000 cash prize only once throughout the entire promotion. Alternate winners will be drawn in case of disqualification, forfeiture, or non-claim of a prize. 6. Winner Validation and Notification Winning remitters shall be notified by an Enjaz representative via SMS, phone call and/or other verifiable means of communication, with proof of notification maintained by Enjaz. The names of verified winners shall be announced or published through the applicable official Enjaz and Bank of Commerce channels no later than two (2) weeks after each draw, subject to applicable data privacy requirements. For validation, winners must present a valid government-issued identification document and provide the corresponding transaction receipt, reference number, or other information sufficient to verify the qualifying remittance transaction. Upon successful validation and receipt of the prize, winners shall sign an Acknowledgment Receipt confirming receipt of the prize. Any use of a winnerâs photograph, image, testimonial, or other personal information for promotional or publicity purposes shall be subject to the winnerâs appropriate consent and applicable data privacy laws and regulations. 7. Awarding and Claiming of Prizes Enjaz will be responsible for awarding the cash prizes to winning remitters based in Saudi Arabia. Bank of Commerce will be responsible for awarding the SMC grocery packages/vouchers and Petron fuel e-vouchers to the winning remittersâ nominated beneficiaries in the Philippines. For the SMC grocery package/voucher and Petron fuel e-voucher prizes, each winning remitter may nominate one (1) person residing in the Philippines to receive the prize on the remitterâs behalf. The nominated beneficiary need not be the same beneficiary of the qualifying remittance transaction. Enjaz will collect and validate the contact details of the winning remitterâs nominated beneficiary and provide the necessary information to Bank of Commerce for prize coordination and distribution. Winners shall have at least sixty (60) days from the date of publication, announcement, or notification of the winner, whichever comes last, within which to claim their prizes, or such longer period as may be required under applicable laws and regulations. Prizes remaining unclaimed after the prescribed period may be forfeited only in accordance with applicable laws, rules, and regulatory requirements in the Kingdom of Saudi Arabia and the Philippines. 8. Monitoring and Reconciliation Each qualified remittance transaction will automatically generate one (1) electronic lucky draw entry. Enjaz and Bank of Commerce will reconcile qualified transactions and entries before each lucky draw date. Both parties may review overall transaction performance and post-promotion customer retention using their regular transaction reports. 9. General Conditions The promotion is subject to final approval by Enjaz, Bank of Commerce, and the relevant regulatory authorities in the Kingdom of Saudi Arabia and the Philippines. All personal information collected and processed in connection with the promotion must be handled in accordance with applicable data privacy laws and regulations. Any implementation detail not expressly covered in these mechanics should be finalized by Enjaz and Bank of Commerce before launch and documented consistently across customer-facing materials.