1. The “MAAGANG PAMASKO NG PANAY SOUTH” will run on November 16, 2023 to February 15, 2024, and exclusive only to participating areas of Iloilo and Guimaras.
2. Customers with Quick Cash Loan (Prenda and Lukat), Home Loan, and Car Loan, Bills payment and Insurance [Compulsory Third Party Liability (CTPL) and Dengue Rx] transaction at any M Lhuillier branch in Iloilo and Guimaras 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 Molo | ML Guanco | ML ILonga | ML Jaro 1 | ML Rotunda |
| ML Avanceña | ML Rizal | ML Iznart | ML Jaro 2 | ML JM Basa |
| ML Villa Arevalo | ML Ledesma | ML Bo. Obrero | ML Jaro 3 | ML Jordan |
| ML Mohon | ML De Leon | ML Lapaz 1 | ML Jaro 4 | ML Jordan Pier |
| ML Oton | ML Mandurriao 1 | ML Lapaz 2 | ML Jaro 5 | ML San Miguel Jordan |
| ML Tigbauan | ML Mandurriao 2 | ML Pavia | ML Jaro 6 | ML Nueva Valencia |
| ML Guimbal | ML Guzman Mandurriao | ML Sta Barbara | ML Tagbak | ML Cabalagnan |
| ML Tubungan | ML Jibao-An | ML Arroyo | ML Leganes | ML Sibunag |
| ML Igbaras | ML San Miguel | ML Cabatuan | ML Zarraga | ML San Lorenzo |
| ML Miag-Ao | ML Alimodian | ML Ayaman | ML Jalaud | ML Calingao |
| ML San Joaquin | ML Leon | ML Maasin | ML Bolong Oeste | ML Guimaras |
| ML San Jose San Miguel | ML San Agustin | ML New Lucena | ML Burgos Lapaz | |
| ML SM ILoilo Showroom | ML Ungka |
3. There will be twenty (20) winners who will win one (1) sack of 25 kilos of rice (4 winners per area) in every draw, and twenty-five (25) lucky winners (5 winners per area) will win one (1) sack of 50 kilos of rice and one (1) winner of a brand new refrigerator 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 |
| 1st | November 16-December 15,2023 | December 21,2023 |
| 2nd | December 16-January 15,2024 | January 22,2024 |
| Grand Draw | November 16- February 15,2024 | February 21,2024 |
| No. of Winners | Prize : each | Total Prizes |
| 20 Winners of 1 sack of 25 kilos of Princess Bea Rice | P 1,500.00 | P 30,000.00 |
| 20 Winners of 1 sack of 25 kilos of Princess Bea Rice | P 1,500.00 | P 30,000.00 |
| 25 Winners of 1 sack of 50 kilos of Princess Bea Rice | P 2,500.00 | P 62,500.00 |
| 1 Winner of Brand New Samsung Inverter Refrigerator | P 15,000.00 | P 15,000.00 |
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 Pawn Ticket Number (PTN) for Quick Cash Loan; PTN for Home Loan; PTN for Car Loan; Bills payment Reference Number (BPRN) for Billspayment; and Insurance [Compulsory Third Party Liability (CTPL) and Dengue Rx].
9. Prizes are not convertible to cash and not transferable. Taxes on the winnings shall be shouldered by the M Lhuillier Financial Services Inc.
10. Non-winning entries are no longer qualified for the succeeding monthly draws, but are qualified for the grand draw. Winners may win multiple times 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. These documents will be subject to verification by the ML Branch Manager.
12. The refrigerator and sacks of rice will be claimed from the ML ILonga branch.
13. List of winners will be posted at ML Facebook page, Website, and MLTV’s.
14. Prizes not claimed within sixty (60) days from the date of the publication or announcement or notification of winners, whichever comes last, shall be forfeited in favor of the sponsor only upon written approval of the DTI.
15. 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.
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.R6-84, Series of 2023
