1. The “Christmas Papremyo Handog ng M Lhuillier” raffle promo will run from October 1 to December 31, 2022 and exclusive only in participating areas of Pampanga region.
2. Customers with MLKP Domestic Send-out, Quick Cash Loan (Lukat, Prenda, Renew, Reappraisal), and Bills Paymenttransactions in the Pampanga Region areas are automatically qualified to participate in the promo. Below is the list of participating branches for the promo.
| Area A | Area B | Area C | Area D | Area E | Area F |
| ML Angeles 1 | ML Salapungan | ML Dau 2 | ML Arayat 1 | ML Sta. Rita | ML Apalit 1 |
| ML Angeles 2 | ML Pulung Bulu | ML Dau 3 | ML Arayat 2 | ML Sta. Cruz | ML Apalit 2 |
| ML Angeles 3 | ML Malabanias | ML Dolores Mabalacat | ML Candaba | ML Sto.Tomas | ML Cadauang Tete |
| ML Henson | ML Friendship 1 | ML Mabalacat 2 | ML San Luis | ML San Roque Dau 1 | ML San Fernando |
| ML San Jose | ML Friendship 2 | ML Mabiga | ML Magalang 1 | ML Floridablanca1 | ML Macabebe 1 |
| ML Sto. Domingo | ML Loudes NW | ML Madapdap | ML Magalang 2 | ML Floridablanca2 | ML Macabebe 2 |
| ML Saguin | ML Robinson’s Angeles | ML Mawaque | ML Pandacaqui 1 | ML Floridablanca3 | ML Masantol |
| ML Sindalan 1 | ML Jenra Mall | ML Balibago 1 | ML Pandacaqui 2 | ML Guagua 1 | ML Minalin |
| ML Sindalan 2 | ML Hensonville | ML Sto. Cristo | ML Sapang Maisac | ML Guagua 2 | ML Moras Dela Paz |
| ML Sindalan 3 | ML San Isidro | ML Marquee Mall Jewellers | ML SM Pampanga | ML Plaza Brugos | ML Mexico |
| ML Sindalan 4 | ML Del Rosario | ML Pulung Maragul | ML Sta. Ana | ML Dolores 1 | ML San Simon |
| ML Sta. Cruz | ML Bulaon | ML Tabun | ML Cutud | ML Dolores 2 | ML Robinson’s Starmills Jewellers |
| ML Porac | ML Mt. View | ML Bacolor | ML San Antonio |
3. There will be Ten (10) lucky winners of P5, 000.00 each in the monthly draw, and Six (6) lucky winners to win Six (6) Brand New Motorcycle each (1 winner per Area) 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 of Entry | Draw Date | No. of Winners | Prize: each | Total Prizes |
| 1st | October 1-31, 2022 | November 8, 2022 | 10 winners | P 5,000.00 | P50,000.00 |
| 2nd | November 1-30, 2022 | December 7, 2022 | 10 winners | P 5,000.00 | P50,000.00 |
| Grand Draw | October 1–December 31, 2022 | January 6, 2023 | 6 winners of Brand New Yamaha Ytx-125 Motorcycle | P 54,000.00 | P324,000.00 |
7. The draws will be held at M Lhuillier Building, North Reclamation Area, Cebu City at 3 o’clock in the afternoon via virtual meet with the presence of a DTI Representative.
8. Winners are electronically picked based on the entry assigned to the KPTN of MLKP domestic send-out, PTN for Quick Cash Loan and BPRN for Bills Payment.
9. Cash prizes are not transferable and tax-free. Motorcycle prizes are not convertible to cash.
10. 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 fall into promo dates covered.
11. Winners will be notified through registered mail and call. For the processing of the prize, the winner must go to an ML branch and present: the registered mail, the winning transaction form, and a valid unexpired government-issued ID and ML Wallet account number. These documents will be subject to verification by the ML Branch Manager.
12. Once verified, cash prizes will be claimed via ML Wallet Application. Motorcycle will be claimed by the following M Lhuillier branches: (.Area A – ML Sindalan 2, Area B – ML Friendship 1, Area C –ML Tabun, Area D –ML Magalang 2, Area E – ML Floridablanca 1, and Area F –ML Mexico 1).
13. List of winners will be posted on ML's Facebook page, website, and MLTV’s.
14. Prizes that remain unclaimed after sixty (60) days from the receipt of notification will be forfeited in favor of M Lhuillier Financial Services, Inc. with prior DTI approval.
15. All employees of M Lhuillier Financial Services, Inc. and their relative up to 2nd degree of consanguinity or affinity are disqualified from joining the promo.
16. Decisions on the results of the promo made by M Lhuillier will be deemed irrevocable with the concurrence of DTI.
17. Acceptance of the prize will be deemed as consent by the winner to use his/her name and/or photographs in any publicity connected with the promotion without additional charge or permission. PER DTI Fair Trade Permit No. R3- PAM 251, Series of 2022.
