1. The “KapaMLya Balik Eskwela Bonanza”raffle promo will run from June 16, 2023 to December 15, 2023 and exclusive only to the participating provinces of Palawan and Tawi-Tawi areas.
2. Customers with Quick Cash Loan (Prenda and Lukat), Car Loan & Home Loan and Bills payment transactions at any M Lhuillier branch in Palawan and Tawi-Tawi areas are automatically qualified to participate in the promo. Below is the list of participating branches for the promo.
| Area A | Area C | Area B | Area D |
| Palawan Province) | (Palawan Province) | (Palawan Province) | (Palawan Province) |
| ML Palawan 1 | ML Palawan 9 | ML Palawan 3 | ML Palawan 8 |
| ML Palawan 4 | ML Palawan 6 | ML Palawan 5 | ML Roxas Terminal |
| ML Palawan 12 | ML Tiniguiban | ML Palawan 11 | ML San Vicente |
| ML Junction 1 | ML San Manuel | ML Palawan 7 | ML Abongan |
| ML NCCC | ML San Jose | ML Abo-abo | ML Araceli |
| ML Burgos | ML Sta. Monica | ML Brooke's Point | ML Palawan 10 |
| Ml Sabang | ML Sicsican | ML Bataraza | ML Sta. Teresita |
| ML SM Jewellers | ML Aborlan | ML Rio Tuba | ML Liminangcong |
| ML Robinsons Jewellers | ML Manalo Extension | ML Marabahay | ML EL Nido |
| ML Cuyo | ML Balabac | ML Coron | |
| Tawi-Tawi Province | ML Busuanga | ||
| ML Mapun | |||
| ML Lupa Pula | |||
| ML Liyubud |
3. There will be twenty (20) winners to win P2,000 each (5 winners per area) in the first draw, four (4) lucky winners of a brand new cell phone (1 winner per area) in the second draw, and eight (8) lucky winners (2 winners per area) of a brand new laptop 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 Draws | Date of Entry | Draw Date | No. of Winners | Prize : each | Total Prizes |
| 1st | June 16- August 15 ,2023 | August 23,2023 | 20 Winners | P 2,000.00 | P 40,000.00 |
| 2nd | August 16-October 15, 2023 | October 23, 2023 | 4 Winners of Brand New RealMe C55 Cellphone | P 10,000.00 | P 40,000.00 |
| Grand Draw | June 16- December 15,2023 | December 22,2023 | 8 Winners of Brand New Lenovo Ideapad 3 Laptop | P 25,000.00 | P 200,000.00 |
7. The draws will be held at M Lhuillier Building, North Reclamation Area, Cebu City at 2 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 PTN for QCL, Car Loan & Motorcycle Loan and BPRN for Billspayment.
9. Cash prizes are not transferable; cellphone and laptop prizes are not convertible to cash. Taxes on the winnings shall be shouldered by the M Lhuillier Financial Services Inc.
10. Non-winning entries are no longer qualified in the succeeding monthly draws but are qualified for the grand draw. Winners may win multiple times for as long as the transaction numbers are unique and fall within the promo dates covered.
11. 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. In case customer has no ML Wallet mobile app, the winner will be assisted by the M Lhuillier FLA. These documents will be subject to verification by the ML Branch Manager.
12. Once verified, cash prizes will be claimed via ML Wallet Application. The cellphone and laptop will be claimed from the following M Lhuillier branches: (Area A – ML Palawan 1 Area B – ML Palawan 9, Area C – ML Palawan 3 and Area D – ML Palawan 8).
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. R7-074, Series of 2023
