Promo Mechanics:
1. The “ABUNDA ANG BUGAS SA NORTE” will run on February 16, 2024 to May 15, 2024, and exclusive only to participating areas of Cebu North B Region.
2. Customers with MLKP Domestic Sendout and Quick Cash Loan (Prenda), Home Loan, and Car Loan, transaction at any M Lhuillier branch in Cebu North B 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 LILOAN 1 | ML CFI DANAO | ML DANAO 1 | ML BOGO 1 | ML TUBURAN |
| ML LILOAN 3 | ML GUINSAY | ML CARMEN | ML BOGO 2 | ML CTU TUBURAN |
| ML POBLACION | ML DANAO2 | ML SOGOD 1 | ML TAYTAYAN | ML TABUELAN |
| ML SUNFLOWER | ML MASLOG | ML SOGOD 2 | ML BINABAG | ML MARAVILLA |
| ML BAJAC | ML DANAO 3 | ML CATMON | ML ILIHAN | ML TAMBONGON |
| ML CATARMAN | ML AGGIES | ML CORAZON | ML ANTIGUA | ML SAN REMIGIO |
| ML PROPER YATI | ML COMPOSTELA | ML CATMONDAAN | ML LUGON, MALAPASCUA | ML HAGNAYA |
| ML YATI | ML COTCOT | ML BORBON | ML DAANBANTAYAN | ML STA. FE |
| ML CAMPO | ML LILOAN 2 | ML TABOGON | ML KAWIT | ML TICAD |
| ML SAN FRANCISCO | ML SABANG | ML LUGO | ML MEDELLIN | ML BANTAYAN |
| ML PORO | ML LAS PALMAS | ML SAFARI | ML CANTECSON | ML MADREDIJOS |
| ML TUDELA | | | | ML TALANGNAN |
| ML PILAR | | | | ML ATOP ATOP |
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 fifteen (15) lucky winners (3 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 | February 16-March 15, 2024 | March 21, 2024 |
| 2ND | March 16-April 15,2024 | April 22,2024 |
| Grand Draw | February 16- May 15,2024 | May 21,2024 |
| No. of Winners | Prize : each | Total Prizes |
| 20 Winners of 1 sack of 25 kilos of Ganador Rice | P 2,000 | P 40,000.00 |
| 20 Winners of 1 sack of 25 kilos of Ganador Rice | P 2,000 | P 40,000.00 |
| 15 Winners of 1 sack of 50 kilos of Ganador Rice | P 3,000 | P 45,000.00 |
| 1 Winner of Brand New two-door Sharp Inverter 7.7 cu. ft. Refrigerator | P 20,000.00 | P 20,000.00 |
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 M Lhuillier Kwarta Padala Domestic Sendout and Pawn Ticket Number (PTN) for Quick Cash Loan; PTN for Home Loan and PTN for Car Loan.
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 in the April 22, 2024 draws, but are qualified for the grand draw on May 21, 2024. Winners may win multiple times as long as the transaction number 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 CFI branch located at Danao City, Cebu.
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 2nd 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-CEB -087, SERIES OF 2024
