1. The “PANGKABUHAYANG PAPREMYO HANDOG NI ML” raffle promo will run on November 1, 2023 to January 31, 2024 and exclusive only in participating areas of Cotabato, Maguindanao, Sultan Kudarat and BARMM Region.
2. Customers with Quick Cash Loan (Lukat and Prenda), Home Loan, and Car Loan, Billspayment, and Insurance [Compulsory Third Party Liability (CTPL) and Dengue Rx] transactions at any M Lhuillier branch in Cotabato,Maguindanao,Sultan Kudarat, and Barmm 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 (BARMM) | AREA B | AREA C (COTABATO) | AREA D | AREA E |
| ML BULALO SK | ML CARMEN (COTABATO) | ML ANTIPAS | ML AWANG (BARMM) | ML ALAMADA (COTABATO) |
| ML COTABATO 1 | ML ORCHID CARMEN (COTABATO) | ML ARAKAN | ML BASAK LEBAK (SULTAN KUDARAT | ML LIBUNGAN (COTABATO) |
| ML COTABATO 2 | ML DATU PIANG PIKIT (COTABATO) | ML BAGONTAPAY | ML BROCE DOS(BARMM) | ML LIBUNGAN HIGHWAY (COTABATO) |
| ML COTABATO 3 | ML PIKIT (BARMM) | ML DATU INGKAL | ML DALICAN (BARMM) | ML MIDSAYAP 1 (COTABATO) |
| ML COTABATO 4 | ML KABACAN 1 (COTABATO) | ML DAYAO | ML DOS DALICAN BARMM) | ML MIDSAYAP 2 (COTABATO) |
| ML COTABATO 5 | ML KABACAN 2 (COTABATO) | ML DOROLUMAN | ML DALICAN SINSUAT(BARMM) | ML MIDSAYAP HIGHWAY (COTABATO) |
| ML COTABATO 6 | ML USM AVENUE (COTABATO) | ML JOSE ABAD | ML KALAMANSIG 1 (SULTAN KUDARAT) | ML PIGCAWAYAN(COTABATO) |
| ML JULIANO AVENUE | ML OSMENA PIKIT (COTABATO) | ML KIDAPAWAN 1 | ML KALAMANSIG 2 (SULTAN KUDARAT) | ML QUEZON AVENUE(COTABATO) |
| ML LIMBO SK | ML MATALAM (COTABATO) | ML KIDAPAWAN 2 | ML LEBAK 1 (SULTAN KUDARAT) | ML MATANOG (BARMM) |
| ML MABINI | ML MLANG (COTABATO) | ML MAGPET | ML LEBAK 2 (SULTAN KUDARAT | ML PARANG (BARMM) |
| ML ROSARY HEIGHTS | ML MAKILALA | ML POBLACION LEBAK (SULTAN KUDARAT) | ML RIZAL AVENUE(BARMM) | |
| ML SINSUAT AVENUE | ML PRES ROXAS | ML UPI (BARMM) | ML SARMIENTO (BARMM) | |
| ML TULUNAN |
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 a one (1) sack of 50 kilos of rice and one (1) winner of a brand new Fujidenzo freezer 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 1-30,2023 | December 6,2023 |
| 2nd | December 1-31,2023 | January 5,2024 |
| Grand Draw | November 1- January 31,2024 | February 6,2024 |
| No. of Winners | Prize : each | Total Prizes |
| 20 Winners of 1 sack of 25 kilos of Banay-Banay Rice | P 1,500.00 | P 30,000.00 |
| 20 Winners of 1 sack of 25 kilos of Banay-Banay Rice | P 1,500.00 | P 30,000.00 |
| 25 Winners of 1 sack of 50 kilos of Banay-Banay | P 2,500.00 | P 62,500.00 |
| Rice 1 Winner of Brand New Fujidenzo Freezer | P 15,000.00 | P 15,000.00 |
7. The draws will be held at ML Building, North Reclamation Area, Cebu City at 3 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; Billspayment 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 freezer and sacks of rice will be claimed from the ML Datu Ingkal 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. R7-143 series of 2023
