1. The “Papremyong Panalo sa Pasko Handog Ni M Lhuillier” raffle promo will run on September 16, 2022 to December 15, 2022 and exclusive only in participating areas of Cotabato,Maguindanao,Sultan Kudarat and BARMM Region.
2. Customers with ML Kwarta Padala Domestic Send-out and Quick Cash Loan (Lukat, Prenda, Renew, Reappraisal) transactions at any M Lhuillier branch and ML Express outlet 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 | AREA B | AREA C (COTABATO) | AREA D | AREA E (COTABATO) |
| ML BULALO SK (BARMM) | ML CARMEN (COTABATO) | ML ANTIPAS | ML AWANG (BARMM) | ML ALAMADA |
| ML COTABATO 1(BARMM) | ML ORCHID CARMEN (COTABATO) | ML ARAKAN | ML DALICAN(BARMM) | ML BANISILAN C |
| ML COTABATO 2(BARMM) | ML DATU PIANG PIKIT (COTABATO) | ML BAGONTAPAY | ML DOS DALICAN(BARMM) | ML LIBUNGAN |
| ML COTABATO 3(BARMM) | ML PIKIT (BARMM) | ML DATU INGKAL | ML DALICAN SINSUAT(BARMM) | ML LIBUNGAN HIGHWAY |
| ML COTABATO 4(BARMM) | ML KABACAN 1 (COTABATO) | ML DAYAO | ML KALAMANSIG 1 (SULTAN KUDARAT) | ML MIDSAYAP 1 |
| ML COTABATO 5(BARMM) | ML KABACAN 2 (COTABATO) | ML DOROLUMAN | ML KALAMANSIG 2 (SULTAN KUDARAT) | ML MIDSAYAP 2 |
| ML COTABATO 6(BARMM) | ML USM AVENUE (COTABATO) | ML JOSE ABAD | ML LEBAK 1 (SULTAN KUDARAT) | ML MIDSAYAP HIGHWAY |
| ML MABINI(BARMM) | ML OSMENA PIKIT (COTABATO)) | ML KIDAPAWAN 1 | ML LEBAK 2 (SULTAN KUDARAT) | ML PIGCAWAYAN |
| ML MATANOG(BARMM) | ML MATALAM (COTABATO) | ML KIDAPAWAN 2 | ML POBLACION LEBAK (SULTAN KUDARAT) | ML QUEZON AVENUE |
| ML PARANG(BARMM) | ML MAGPET | ML UPI(BARMM) | MLX ALEOSAN COTABATO | |
| ML RIZAL AVENUE(BARMM) | ML MAKILALA | ML BASAK LEBAK (SULTAN KUDARAT) | MLX ALAMADA COTABATO | |
| ML SARMIENTO(BARMM) | ML MLANG | MLX VILLAMONTE LEBAK | ||
| ML SINSUAT(BARMM) | ML PRES ROXAS | |||
| MLX POBLACION COTABATO | ML TULUNAN | |||
| MLX DATU PIANG | ||||
| MLX TIMANAN COTABATO |
3. There will be ten (10) lucky winners to win P 2,500.00 each (2 winners per Area) in every draw, Five (5) winners of brand new Bicycle and Five (5) winners of brand new Cellphone each (1 winner per Area) will get a chance to win 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 |
| 1st | September 16-October 15,2022 | October 24, 2022 |
| 2nd | October 16-November 15,2022 | November 22, 2022 |
| Grand draw | September 16–December 15, 2022 | December 21,2022 |
| No. of Winners | Prize per Winner | Total Prizes |
| 10 winners | P 2,500.00 | P 25,000.00 |
| 10 winners | P 2,500.00 | P 25,000.00 |
| 5 winners of Brand New Samsung Galaxy A73 5G Cellphone | P 30,000.00 | P 150,000.00 |
| 5 winners of Brand New Ryder X8 Bicycle | P 20,000.00 | P 100,000.00 |
7. The draws will be held at ML Building, North Reclamation Area, Cebu City at 2 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 KPTN of M Lhuillier Kwarta Padala domestic send-out, and PTN for Quick Cash Loan.
9. Cash Prize are not transferrable and are tax-free. Bicycle and cellphone prizes are not convertible to cash.
10. All qualified transactions during the Periods Covered shall qualify for the pertinent draw date. 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 falls into promo dates covered.
11. Winners will be notified through registered mail and call. For processing of the prize, the winner must go to any ML branch and present: the registered mail, the winning transaction receipt, 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. The bicycle and cellphone will be claimed by the following M Lhuiller branches: (Area A - ML Sinsuat Avenue, Area B –ML Kabacan 2, Area C- ML Kidapawan 2, Area D – ML Awang, and Area E- ML Quezon Avenue).
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, may 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 2nd degree of consanguinity or affinity are disqualified from joining the promo.
16. A participating customers must sign a consent during the claiming of prizes with ML that he/she allows the use of his/her name and photo in case he/she wins for publicity purposes.
PER DTI Fair Trade Permit No. R7- 096, Series of 2022.
