Promo Mechanics:

1. The “Umaarangkadang Papremyo ng Davao” raffle promo will run on May 1, 2022 to July 31, 2022, and exclusive only in participating areas of Davao.

2. Customers with M Lhuillier Kwarta Padala Domestic Send out and Payout, Quick Cash Loan (Lukat, Prenda, Renew, Reappraisal), Bills payment, and ML Express Payout transaction at any M Lhuillier branch and ML Express outlet in Davao 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	Area F
ML ABREEZA	ML BOLTON 1	ML AGDAO 1	ML AGTON	ML BANSALAN	ML BAGO GALLERA
ML BAJADA	ML BOLTON 2	ML AGDAO 2 *	ML1ST CRUMB *	ML HAGONOY	ML BUDA
ML BUHANGIN 1	ML BOULEVARD	ML AGDAO 3	ML DIGOS 1	ML HAGONOY GUIHING	ML CALINAN
ML BUHANGIN 2	ML CM RECTO	ML BABAK	ML DIGOS 2	ML KAPATAGAN	ML CATALUNAN GRANDE
ML BUHANGIN 3	ML ILUSTRE	ML BUNAWAN	ML LUNA	ML KIBLAWAN	ML LUMONDAO
ML CABAGUIO	ML MAA	ML DAMOSA	ML GMALL SHOWROOM	ML MATAN AO	ML MATINA APLAYA
ML CABANTIAN	ML MATINA *	ML PANACAN	ML PUROK SANTAN	ML MALALAG	ML MINTAL *
ML GARCIA HEIGHTS	ML MATINA CROSSING	ML PENAPLATA	ML STA CRUZ	ML MALITA	ML ULAS
ML MANDUG	ML UM MATINA	ML SASA	ML TALOMO	ML PADADA *	MLX CATALUNAN DAVAO
ML OBRERO	ML SANDAWA	ML TIBUNGCO	ML TORIL 2	ML QUIRINO MAGSAYSAY	MLX CENTRAL PARK BANGKAL DAVAO
ML SAN PEDRO	ML TRADING	ML UYANGUREN	ML TORIL 3	ML STA MARIA	MLX Mintal
MLX Cabantian	MLX Plaza De Bole	MLX LASANG DAVAO	MLX Deca Homes Mulig Toril	ML SULOP	MLX Calinan
MLX Indangan Davao	MLX MAA	MLX TALICUD	MLX IWHA TORIL	MLX JOSE ABAD SANTOS	MLX Tugbok District
MLX MALVAR		MLX Agdao	MLX Daliao Toril	MLX Quirino Magallanes Davao City	Ph 1 Deca Homes Tacunan
MLX Tionko Avenue		MLX Panacan	MLX Lubogan Toril	MLX Balangonan	MLX CENTRAL PARK BANGKAL DAVAO
			MLX Tienda Aplaya

3. There will be ten (10) winners of P 5,000.00 each in every draw and six (6) lucky winners will get a chance to win a tricycle each for the grand draw.

4. All needed information from the participant such as address and other contact details 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	May 1-May 31, 2022	June 7, 2022
2nd	June 1-June 30, 2022	July 7, 2022
Grand draw	May 1-July 31 ,2022	August 8, 2022

No. of Winners	Prize per Winner	Total Prizes
10 winners	P 5,000.00	P 50,000.00
10 winners	P 5,000.00	P 50,000.00
10 winners	P 5,000.00	P 50,000.00
6 winners of Tricyle	P70,000.00	P420,000.00

7. The draws will be held at ML Building, North Reclamation Area, Cebu City at 4 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 payout, PTN for Quick Cash Loan, and BPRN for Billspayment and ML Express Payout.

9. Cash Prize are not transferrable and are tax-free. Tricycle 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 or 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 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.

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 shall sign a consent at the time of transaction with ML that he/she allows the use of his/her name and photo in case he/she wins for publicity purposes.