Promo Period: November 10, 2026 – January 31, 2027

DTI Fair Trade Permit No. FTEB-271335, Series of 2026

Sponsor: Salmon Finance Inc., Unit 2205 East Tower PSE Bldg., Exchange Road, Ortigas Center, Pasig City, Philippines

1. Eligibility

The promo is open to all Philippine residents aged 18 years old and above who have an approved Salmon Product Loan at a participating partner store (point-of-sale or “POS” purchase) within the promo period, including new customers and existing customers with an active POS product and no overdue payments. Participants must have a valid government-issued ID and complete a separate registration to join
the raffle. Submission of a loan application does not automatically register a customer for the raffle. Only participants who complete
the registration form, agree to these Terms and Conditions, and click “Join Raffle” at the official promo page http://salmon.ph/hohoho-raffle
will be eligible to join.

Employees of Salmon Finance Inc., its affiliates, employees and sales ambassadors of participating partner stores and their relatives
up to the second degree of consanguinity or affinity are disqualified from joining.

Borrow only what you need. Read the terms and relevant disclosures before availing.

2. How to Join

1. 1.Get an approved Salmon Product Loan at a participating partner store during the promo period.
2. 2.Complete the registration form at http://salmon.ph/hohoho-raffle by providing the following details:

• Complete Name
• Complete Address
• Contact Mobile Number

No upload of proof of availment is required at the registration stage. Eligibility will be verified internally through Salmon Finance Inc.’s system records, which confirm whether the participant has an approved Salmon Product Loan during the promo period.

Proof of loan availment may be requested from the winners only during prize verification if further validation is needed.

Valid government-issued ID shall only be required from confirmed winners during the prize verification process.

1. 3.By registering, participants voluntarily consent to the collection and processing of their personal data by Salmon Finance Inc.
   for purposes of promo administration, participant verification, and prize delivery, in accordance with the Data Privacy Act of 2012
   (RA 10173) and its implementing rules. Participants also consent to the publication of the winners’ names in the announcement
   of winners and to the sharing of their personal data with the DTI. In the event of winning, participants further consent to the use
   of their photos and videos for promo-related announcements and marketing materials, subject to separate written confirmation prior to publication. Participants may withdraw or modify their consent at any time by contacting Salmon Finance Inc. through the official app or customer service channels, subject to applicable laws and reasonable notice requirements.
2. 4.After completing the registration form, participants must agree to these Terms and Conditions and click “Join Raffle”. By doing so,
   the participant gives their active consent to take part in the raffle. No tasks or additional activities are required to join. Simply register within the promo period to be included in the draws. The draws will be conducted among the participants who have given such consent.

All registrations will be verified within three (3) days. Invalid or tampered registrations will be disqualified with prior DTI concurrence.

The deadline for registration to participate is January 31, 2027, 11:59 PM.

3. Raffle Prizes

• Weekly Draws: eight (8) weekly draws, with one (1) winner per draw. Each winner receives one (1) JBL Go 5 portable speaker
  (SRP approx. ₱2,899 each).
• Grand Draw (February 1, 2027): one (1) winner of one (1) Honda Click motorcycle with Salmon branding (valued at ₱105,000).
• Total prize value: ₱128,192 (8 JBL Go 5 at ₱2,899 each = ₱23,192; Honda Click with Salmon branding = ₱105,000).

A participant may win only once.

Taxes and Expenses: The Honda Click exceeds ₱10,000 in value and is subject to 20% withholding tax, which will be shouldered by Salmon Finance Inc. All registration and related expenses for claiming prizes shall also be borne by Salmon Finance Inc.

Not included: motorcycle registration, ownership and insurance.

Prizes are non-transferable and cannot be exchanged for cash or any other item, in whole or in part.

4. Raffle Draw and Schedule

Registration of each participant (or validation of their participation) will be accepted from November 10, 2026 until January 31, 2027.

All valid participation consents received within the promo period will remain eligible for all succeeding draws until the end of the promotion, unless the participant has already won. Once drawn as a winner, the winner’s participation will be excluded from succeeding draws.

The schedule of draws is as follows:

All participants who have given valid consent will remain in the raffle pool until the Grand Draw. Once consent is given, it remains valid
for all subsequent draws, unless the participant has already won.

Registration cut-off for each draw: 11:59 PM of the last day of the period stated for that draw (January 31, 2027, 11:59 PM for the Grand Draw).

5. Winner Selection and Prize Redemption

• Winners will be drawn electronically via random.org, conducted online on the scheduled draw date and time, under the supervision
  of a DTI representative.
• Winners shall be notified via registered mail, email, push notification or SMS within seven (7) days from the draw date.
• Prizes will be delivered or turned over to the winner within fourteen (14) working days from verification, grand prize Honda Click within ninety (90) working days. The JBL Go 5 will be picked up at Abenson Partner Store; the Honda Click will be turned over at the winner location,
  and the winner will be asked to sign an acknowledgment receipt.
• Winners must claim their prizes within sixty (60) days from receipt of registered notice; otherwise, prizes will be forfeited with prior
  DTI approval.
• Winners will be announced through the same channels used for the promo (the Salmon app, Salmon Finance Inc.’s website, and official social media pages) on the announcement dates stated above, subject to verification. After each draw, Salmon Finance Inc. will submit
  to the DTI the list of winners with their addresses and the prizes won.

Winners must provide a correct and complete delivery address and contact details. Salmon Finance Inc. is not liable for failed delivery
or turnover due to incorrect or incomplete information provided by the winner. The winner of the Honda Click is responsible for holding
a valid driver’s license and for complying with applicable laws when using the motorcycle.

6. Data Privacy and Security

Salmon Finance Inc. adheres to the Data Privacy Act of 2012 and its Implementing Rules and Regulations:

• Data collected will be used solely for promo registration, validation, and prize delivery.
• Data will be retained for up to one (1) year after promo completion, then securely deleted.
• Participant data may be shared with the DTI for permit compliance and winner verification, and with authorized service providers
  (e.g., couriers and prize suppliers) for prize delivery under a Data Sharing Agreement compliant with NPC Circular 2020-03.
• Salmon Finance Inc. implements encryption, access controls, and security safeguards to protect participant data.

For more information, participants may view Salmon Finance Inc.'s Privacy Notice at https://salmon.ph/privacy.

7. General Conditions

• Cancelled, invalid, or fraudulent transactions are not eligible.
• Salmon Finance Inc. reserves the right to disqualify any participant found violating promo mechanics, subject to DTI concurrence.

• Salmon Finance Inc. may use winners’ photos and videos for promo-related announcements and marketing materials only with written consent from the winners.
• In case of disputes, the decision of Salmon Finance Inc. with DTI concurrence shall be final and irrevocable, subject to DTI rules
  and applicable law.
• JBL products are sourced from Abenson Partner Store. JBL, Honda, and Abenson are trademarks of their respective owners. This promo
  is not sponsored, endorsed, or administered by JBL, Honda, or Abenson.

8. Product and Licensing Disclosure

Promo runs from November 10, 2026 to January 31, 2027. Per DTI Fair Trade Permit No. FTEB-271335, Series of 2026. Terms and Conditions apply. The Salmon Product Loan is offered by Salmon Finance Inc., a licensed financing company regulated by the Securities and Exchange Commission (SEC) under CA No. 1241 and CR No. CS201916698. Salmon Finance, powered by the Salmon app, serves as its registered online lending platform. Borrow only what you need. Read the terms and relevant disclosures before availing.