1. The promo will run from May 26, 2025 to August 26, 2025 and is open to all residents of the Philippines.

2. Customers with Kwarta Padala Domestic Send out with minimum amount of ₱1,000.00 and International Outbound and Inbound transactions (no required minimum amount) at any M Lhuillier branch nationwide are automatically qualified to receive the free E-Load.

3. Customers will receive an instant Php 5 free load for money remittance transactions (Kwarta Padala Domestic Sendout, and International Outbound & Inbound).

4. Only one mobile number should be loaded with the required load amount.

5. E-Load is not convertible to cash.

6. Not valid in conjunction with other M Lhuillier Promos or Discounts.

7. All employees of M Lhuillier Financial Services, Inc. and their relatives up to 2nd degree of consanguinity or affinity are disqualified from joining the promo. Per DTI Fair Trade Permit No. FTEB-223915, Series of 2025