Promo Mechanics:

1. The promo is open to all Cebuana Lhuillier Bank 24k Union Pay Debit Card and 24K Union Pay Gold Card.
2. The promo period is from May 15 to August 15, 2024.
3. Every transaction with a minimum purchase of Php 300 using a qualified Cebuana Lhuillier Bank 24k UnionPay debit card automatically entitles the cardholder to one (1) electronic raffle entry. Transactions must be made within the promo period. No application or submission of entries is needed.
4. 24K debit cardholders will receive an e-raffle entry based on their equivalent transactions:
   
   

   Amount	E-Raffle Equivalent
   Every Php 300.00 transaction	1 e-raffle

5. Promotion is applicable nationwide.
6. The deadline for transacting to earn raffle tickets is until August 15, 2024 (11:59 PM). Qualifying transactions will be based on the transaction posting date.
7. The raffle draw will be held at PJL Corporate Centre, 1782 Nicanor Garcia corner Candelaria Streets, Makati City via video conference, witnessed and attended by representatives from the Department of Trade and Industry (DTI) and Cebuana Lhuillier Bank Raffle promo period and draw schedule are as follows:
   
   

   Raffle Draw Date	August 29, 2024
   Transaction Eligibility	May 15 to August 15, 2024
   Winners Announcement	September 12, 2024

   Winners are drawn electronically based on the following details:
   1. 24k Debit Card Number
   2. Micro Savings Account Number
   3. CIF Account Number
   4. Payment Transaction Number
   5. Payment Transaction Amount
   6. Transaction Date
   7. Full Name
   8. Email Address
   9. Mobile Number
   10. Residential Address
   11. Branch Account Opening


8. Cebuana Lhuillier Rural Bank will perform a validation of customers’ account balances, payment transactions, deposits, and withdrawals during the promotional period to ensure there is no evidence of irregular transactions or fraudulent behavior. Only accounts verified by Cebuana Lhuillier Rural Bank will be qualified to win the prize.
9. Prizes are as follows:
   
   

   Items	Qty
   P30,000 worth of grocery packages in the form of Gift Certificates	9 winners

10. Taxes (including 20% withholding tax for prizes exceeding P10,000.00) and other expenses that will be incurred in relation to the prize shall be shouldered by Cebuana Lhuillier Rural Bank
11. Prizes are non-transferable, not convertible to cash, and cannot be exchanged for nor redeemed as cash or other items.
12. Winners shall be notified via SMS, e-mail, or registered mail. Winners will also be announced through the official Facebook Account pages of the Cebuana Lhuillier, and Cebuana Lhuillier Rural Bank. Cebuana Lhuillier Rural Bank shall not be liable if a winner fails to receive the notification due to device security settings, or if a winner has provided incorrect or otherwise non-functioning contact information in the records of Cebuana Lhuillier Rural Bank.
13. Qualified participants can only win once throughout the entire duration of the promo.
14. Winners must claim their prize from their nearby Cebuana Lhuillier branch or the branch where he/she opened their Micro Savings or Cebuana Savings account.
15. Winners have 60 days to claim their prize from the receipt of the notice. Prizes not claimed within sixty (60) days from receipt of notice will be forfeited in favor of Cebuana Lhuillier Rural Bank with prior approval of DTI.
16. All employees of Cebuana Lhuillier Bank and PJ Lhuillier Inc. its affiliates or subsidiary companies, as well as its representatives or agents and advertising agencies, including their relatives up to the second degree of affinity or consanguinity or anyone else professionally connected with the Promotion, are disqualified to join.
17. This offer cannot be used in conjunction with any other promotional offers or discounts of Cebuana Lhuillier Rural Bank.
18. Cebuana Lhuillier Rural Bank reserves the right, with the concurrence of DTI, to reject a participant if he/she is unable to satisfy the conditions set out in this promo mechanics.
19. By entering the Promotion, all participants will be deemed to have accepted and be bound by these terms and conditions, which shall be interpreted by Cebuana Lhuillier Rural Bank, in their sole discretion with the concurrence of the DTI. Decisions made by Cebuana Lhuillier Rural Bank, in all matters to do with the Promotion are final and no correspondence will be entered into with the concurrence of the DTI.
20. All personal information provided by the Cebuana Lhuillier Bank and 24k members in connection with this promo will be used, processed, and disclosed for the purpose of running the promotion and otherwise in accordance with the Promoter’s Privacy Policy. By entering this Promotion, Cebuana Lhuillier Rural Bank and 24k members also understand that Cebuana Lhuillier Rural Bank may disclose information to third parties involved with providing and delivering the Prize to the winners.
21. Cebuana Lhuillier Rural Bank shall not be responsible for claims of any nature whatsoever for any loss, damage, illness, or bodily injury including death of any customer arising out of participation in the Promotion or the use of the prizes.
22. Acceptance of the prize will be deemed as consent by the winner to use his/her name in all related publicity connected with this Promotion without additional charge or permission.

Per DTI Fair Trade Permit No. FTEB-193359 Series of 2024