Promo Mechanics:
1. The “M Lhuillier Christmas Treat Panalo” raffle promo will run from October 16 to
January 15, 2023, and exclusive only in participating areas of the NCR North region.
2. Customers with MLKP Domestic Send-out, Quick Cash Loan (Lukat, Prenda, Renew,
Reappraisal), and Bills Payment transactions in the NCR North Region areas are
automatically qualified to participate in the promo. Below is the list of participating
branches for the promo.
| Area A | AREA B | AREA C | AREA D | AREA E |
| ML Bagong Silang 1 | ML Concepcion | ML Quirino Hiway Novaliches | ML Diamond Arcade Cubao | ML Trinoma Jewellers |
| ML Bagong Silang 2 | ML Hulo Malabon | ML Litex Novaliches | ML Murphy Cubao | ML Bago Bantay |
| ML Bagong Silang 3 | ML Tañong Malabon | ML Fairview 2 | ML Eastwood | ML Philcoa |
| ML Bagbaguin | ML Boulevard | ML Villongco Fairview | ML Arayat Cubao | ML Central Diliman |
| ML Zabarte Town Center | ML Apahap | ML Lagro | ML Galas | ML Culiat |
| ML Llano | ML Tangos | ML Holy Spirit 1 | ML Araneta Avenue | ML Tandang Sora |
| ML Bagumbong | ML M. Naval | ML Batasan Hills | ML Sta. Mesa 2 | ML Banlat T. Sora |
| ML Zapote Kiko | ML Maypajo | ML Don Antonio | ML Katipunan | ML Shorthorn |
| ML Sta. Lucia Novaliches | ML Longos | ML Luzon Ave. | ML Amoranto | ML Monumento 1 |
| ML Novaliches 1 | ML Caloocan 2 | ML Old Balara | ML Frisco | ML Bagong Barrio |
| ML Novaliches 2 | ML Caloocan 3 Libis | | ML Kamuning | ML Roosevelt Ave. |
| ML Gulod Novaliches | ML A. Mabini | | | |
| ML Susano Novaliches | ML Karuhatan | | | |
| ML Malanday | | | |
| ML Polo | | | |
| ML Gen. T. De Leon | | | |
3. There will be Ten (10) lucky winners to win ₱5, 000.00 each in the monthly draw, and
Five (5) lucky winners (1 winner per Area) will win a brand new Motorcycle each 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 | No. of Winners | Prize: each | Total Prizes |
| 1st | October 16-November 15, 2022 | November 23, 2022 | 10 winners | P 5,000.00 | P 50,000.00 |
| 2nd | November 16-December 15, 2022 | December 22, 2022 | 10 winners | P 5,000.00 | P 50,000.00 |
| Grand Draw | October 16 – January 15, 2023 | anuary 20, 2023 | 5 winners of Brand New Yamaha YTX-125 Motorcycle | P 54,000.00 | P 270,000.00 |
7. The draws will be held at M Lhuillier Building, North Reclamation Area, Cebu City at 1
o’clock in the afternoon via virtual meet with the presence of a DTI Representative.
8. Winners are electronically picked based on the entry assigned to the KPTN of MLKP
domestic send-out, PTN for Quick Cash Loan, and BPRN for Bills Payment.
9. Cash prizes are not transferable and tax-free. Motorcycle prizes are not convertible to
cash.
10. The motorcycle will be registered in M Lhuillier's name first, and the winner will bear the
cost of transfer after the awarding.
11. 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 fall into promo dates covered.
12. Winners will be notified through registered mail and call. For the processing of the prize,
the winner must go to an ML branch and present: the registered mail, the winning
transaction form, and a valid unexpired government-issued ID and ML Wallet account
number. These documents will be subject to verification by the ML Branch Manager.
13. Once verified, cash prizes will be claimed via ML Wallet Application. The motorcycle will
be claimed by the following M Lhuillier branches: (Area A –ML Bagong Silang 2, Area B –
ML Caloocan 2, Area C – ML Holy Spirit 2, Area D – ML Sta Mesa 2 and Area E – ML
Roosevelt).
14. List of winners will be posted on ML's Facebook page, website, and mltv’s.
15. Prizes that remain unclaimed after sixty (60) days from the receipt of notification will be
forfeited in favor of M Lhuillier Financial Services, Inc. with prior DTI approval.
16. 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.
17. Decisions on the results of the promo made by M Lhuillier will be deemed irrevocable
with the concurrence of DTI.
18. 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. FTEB-152295 , Series of 2022.
