1. The “ANG PASKO SA NORTE, ALEGRE Phase 2” raffle promo will run on November 1, 2022 to January 31,2023 and exclusive only in participating areas of Cebu North B Region.
2. Customers with ML Kwarta Padala Domestic Sendout and Payout, Quick Cash Loan (Prenda, Renew,Lukat and Reappraisal) and Bills Payment transactions at any M Lhuillier branch in Cebu North B areas are automatically qualified to participate in the promo regardless of the amount of transaction. Below is the list of participating branches for the promo.
| Area A | Area B | Area C | Area D | Area E |
| ML Liloan 1 | ML Danao 1 | ML Binabag | ML Bantayan Is. | ML CFI Danao |
| ML Liloan 2 | ML Danao 2 | ML Bogo 1 | ML CTU Tuburan | Campo Camotes |
| ML Liloan 3 | ML Las Palmas | ML Bogo 2 | ML Hagnaya | ML Poro Camotes |
| ML Pob.Liloan | ML Carmen | ML Borbon | ML Madredijos | ML Sabang |
| ML Bajac | ML Safari | ML Cantecson | ML San Remegio | ML San Francisco, Camotes |
| ML Yati | ML Catmondaan | ML Daanbantayan | ML Sta.Fe Bantayan | ML Tudela Camotes |
| ML Proper Yati | ML Catmon | ML Ilihan | ML Tabuelan | ML GUINSAY |
| ML Catarman | ML Catmon Corazon | ML Pob.Medellin | ML Talangnan | ML Maslog |
| ML Cotcot | ML Sogod 1 | ML Kawit | ML Tambongon | ML Danao 3 |
| ML Prk. Sunflower | ML Sogod 2 | ML Maya | ML Tuburan | |
| ML Aggies | ML Antigua | ML Tabogon | ML Maravilla Tabuelan | |
| ML Compostela | ML Taytayan | *ML Atop-atop Bantayan Is.* | ||
| ML Logon Malapascua | *ML Ticad Bantayan Is.* |
3. There will be twenty (20) lucky winners to win P2,000.00 each (4 winners per area) in the first draw; ten (10) lucky winners of bicycles (2 winners per area)in the second draw; and five (5) lucky winners of brand new motorcycles ( 1 winner per area) to win in the grand draw.
4. All needed information from the participant, such as name, complete address and contact number shall be obtained upon transaction. 5. Each qualified transaction will earn the
participant one (1) computer generated raffle entry.
6. Draw dates are as follows:
| No. Of Draw | Date Entry | Draw Date | No. Of Winners | Prize: each | Total Prizes |
| 1st | November 1 – 30,2022 | December 9,2022 | 20 winners | P 2,000.00 | P 40,000.00 |
| 2nd | December 1-31,2022 | January 9,2023 | 10 winners of Brand new MTB Bicycle | P 15,000.00 | P 150,000.00 |
| Grand Draw | November 1 –January 31,2023 | February 7,2023 | 5 winners of Brand New Yamaha YTX 125 Motorcycle | P 54,000.00 | P 270,000.00 |
7. The draws will be held at ML Building, North Reclamation Area, Cebu City at 1 o’clock in the afternoon with the presence of a DTI Representative via virtual meet.
8. Winners are electronically picked based on the entry assigned to the KPTN of M Lhuillier Kwarta Padala Domestic Send-out and Payout, PTN for Quick Cash Loan, and BPRN for Bills Payment.
9. Cash Prize are not transferrable and are tax-free. Motorcycle and bicycle prizes are not convertible to cash.
10. The motorcycle will be registered in M Lhuillier's name first, and the winner will bear the cost of transfer after the awarding.
11. All qualified transactions during the Periods Covered shall qualify for the pertinent draw date. Non-winning entries are no longer qualified in the succeeding monthly draws, but are qualified for the grand draw. Winners may win more than once for as long as the transaction numbers are unique and falls into promo dates covered.
12. Winners will be notified through registered mail and call. For processing of the prize, the winner must go to an ML branch and present: the registered mail, the winning transaction receipt, and a valid government-issued ID and ML Wallet account number. These documents will be subject to verification by the ML Branch Manager.
13. Once verified, cash prizes will be claimed via ML Wallet Application. The motorcycle and bicycle will be claimed by the following M Lhuillier branches: (Area A – ML Liloan 1, Area B – ML Danao 1, Area C – ML Bogo 2, and Area D – ML Tuburan and ML Bantayan Island, Area E – ML CFI and ML Poro Camotes).
14. List of winners will be posted at ML Facebook page, website, and MLTV’s.
15. Prizes not claimed within sixty (60) days from the date of the publication or announcement or notification of winners, whichever comes last, may be forfeited in favor of the sponsor only upon written approval of the DTI.
16. All employees of M Lhuillier Financial Services, Inc. and their relatives up to 2 nd degree of consanguinity or affinity are disqualified from joining the promo.
17. A participating customer shall sign a consent during claiming of prizes with ML that he/she allows the use of his/her name and photo in case he/she wins for publicity purposes.
PER DTI Fair Trade Permit No. R7-Ceb 561,Series of 2022.
