#JCBestofJapan2026 Raffle Promo

I. GENERAL

1. The Promotion is open to all Philippine-issued JCB credit cardholders whose accounts are active, current, and in good credit standing* during the Promotion Period and at the time of the Raffle Draw.
2. Promotion Period is from September 25, 2026 to March 25, 2027.
3. To participate, the Principal JCB cardholder must register through https://www.ewlend.com/2026EWJCBestOfJapanPromo from 12:00 am of September 25, 2026, until 11:59pm of March 25, 2027.
4. Cardholders will automatically earn the corresponding number of raffle entry/ies based on the following conditions:

• The following transactions are not qualified to earn e-raffle entry:

  1. Refunded, disputed, unauthorized or fraudulent transactions. In case of reversals, only the remaining amount will be qualified to earn a raffle entry.

  2. Installment transactions via balance transfer, balance conversion, convert to installment, purchase/retail conversion, and similar on-us installment program/s of the issuing bank.

  3. Finance charges and all other credit card fees and charges.

  4. Transactions from betting/casino/gambling, money transfers, quasi cash financial institutions or cash-in to load e-wallet/prepaid cards, political organizations, transactions from trade and remittances and bail & bond payments.

  5. Local and International Cash Advance transaction/s via ATM or over-the-counter.

  6. Any type of Bills Payment (under auto-charge, utility/recurring bills, loan payments etc.)

• E-raffle entries earned by Supplementary Cardholders will be credited to the Principal Cardholder.

• Transaction/s made before the registration but within the Promotion Period will be qualified to earn e-raffle entry/ies.

• Prior to the Raffle Draw, an SMS and/or e-mail notification on earned raffle entries will be sent by EWB to qualified EWB JCB Cardholders who have an updated mobile number and/or registered e-mail address on his/her EWB JCB credit card account.

• All employees of JCB International Asia Pacific Pte. Ltd. (“JCB”), its issuing partners, BDO Unibank, Inc., East West Banking Corporation, Philippine National Bank (PNB), RCBC Bankard Services Corporation, Rizal Commercial Banking Corporation; and other promo partners namely AnyMind Philippines, Innovasia Media Enterprises, JTB Asia Pacific Phil. Corp, Hakuhodo International Philippines; Golden Pencil Manila Events and Production Inc, including their relatives up to the second degree of consanguinity or affinity are disqualified from joining the Promotion.

• JCB and its issuing bank partners hold the right to certify eligibility of its winner/s and his/her account satisfies the criteria set in the promo mechanics.

• A Cardholder can only win once per draw date. All non-winning entries of the First Draw will be qualified in the Grand Draw.
• In the First Draw, if the same winner is drawn more than once, the winner will be entitled to only one (1) prize.
• In the Grand Draw, if the same cardholder is drawn more than once, whether from the same or different issuing bank partners, the cardholder will be entitled to only one (1) prize. In such cases, the issuing bank from which the cardholder’s name was first drawn will be recognized as the winning bank, and any subsequent draw of the same cardholder will be disregarded.
• All prizes in the form of Shopping Credits, Cardholder’s JCB Credit Card must be active and of good credit standing at the time of crediting, otherwise, the earned Shopping Credits shall be forfeited.
• Raffle prizes are transferable, not for sale and not convertible to cash. In the event that the winner is unable to complete the Trip to Japan for any reason, including but not limited to visa denial or personal circumstances, the winner may transfer the Trip to Japan prize to any person of his/her choice. However, the Shopping Credits included in the prize shall remain with the original winner and shall be credited to his/her JCB credit card account.
• The Luxury Trip is strictly non-convertible and non-substitutable. The winner shall not be permitted to downgrade, modify, or otherwise change any component of the Luxury Trip for the purpose of accommodating additional travelers.
• Raffle prizes exceeding Php 10,000 shall be subject to a 20% prize tax to be shouldered by JCB.
• Prizes and detailed inclusions are as follows:

III. NOTIFICATION & CLAIMING OF PRIZES

1. Winners will be notified by JCB’s Issuing Bank partners via registered mail, SMS/Viber, and email within fifteen (15) banking days from the Raffle Draw date.

2. Winners will be announced and posted on JCB’s social network channels, and its issuing banks’ official website, social media pages, or electronic direct mail, whichever is applicable.

3. Winners will be given sixty (60) calendar days from the receipt of the registered notice to claim the prize. After the claiming period, unclaimed prize/s will be forfeited in favor of JCB with prior approval of DTI.

4. To claim the prize, the winner must provide to its JCB credit card Issuing Bank’s email indicated in the winner’s notification the following:

   a.    Tax Identification Number (TIN) b.    Scanned copy of a photo bearing valid government-issued ID c.    Signed Winner Acknowledgement Form

5. The winners’ JCB account in his/her card issuing Bank should be active and in good credit standing*, and awarded transaction is not reversed or disputed at the time of claiming or crediting of the prize.

6. Detailed prizes and redemption conditions are as follows:

• The winner authorizes JCB and its issuing bank partners to disclose and publish his/her name, photos, and other particulars determined by JCB to any person/s and in any mode or manner, as JCB may deem appropriate.
• The winners may be required to participate in publicity programs which JCB may organize from time to time in connection with the Promotion and if so, such winners must attend the said functions. Expenses and/or costs in attending such functions will be shouldered by the winner.

*Cardholders in good credit standing are those with JCB Credit Cards whose accounts are not delinquent, not under investigation due to fraud, and those who have not violated any of the Issuing Banks’ Terms and Conditions governing the Issuance and Use of JCB Credit Cards.

Per DTI Fair Trade Permit No. FTEB-268025 Series of 2026