Instant Pawnalo Promo Mechanics

DESCRIPTION

Instant Pawnalo is Cebuana Lhuillier’s way of giving back to clients by making every qualifying transaction more rewarding. The promo provides instant rewards and exciting chances to win ₱5,000 cash, turning everyday financial transactions into opportunities to receive something extra and enjoy more value from every visit to Cebuana.

INSTANT PAWNALO PROMO MECHANICS

1. The promo period is from October 12, 2026 to December 31, 2026.
2. Customers are entitled to join the promo by completing either two (2) qualified base transactions or availing one (1) base transaction + one (1) participating service within the same branch visit during the promo period.

   BASE TRANSACTIONS	PARTICIPATING SERVICE
   Existing Pawn / Pawn Renewal New Client + Pawn Domestic Remittance – Sending International Remittance – Sending/Payout Domestic Remit to Account Corporate Payout Collections CICO Bills Payment	Xtra Subscription/Renewal Pamilya Care Plus CTPL Micro Savings Account Opening Upgrade to Cebuana Savings

3. For raffle registration: Customers must completely fill out the designated manual opt-in form.
4. Clients who wish to participate must accomplish the designated manual opt-in form that will be filled out in the branch. Upon completion, the client may participate in the Pick-a-Prize activity. The completed opt-in sheet shall also serve as the client’s confirmation to participate in the ₱5,000 raffle draw, with the entry recorded in the promo’s backend system.
5. Determination of winners will be held on the following dates via Zoom, in the presence of a DTI representative.
6. The participant will draw one (1) stub from the designated promo box for a chance to win Php 100 E-Load Cash-In or Cebuana Merchandise.
7. Tax (including the 20% withholding tax for prizes exceeding Php 10,000.00) and other expenses related to the prize shall be shouldered by P.J. Lhuillier, Inc.
8. Prizes are not convertible to cash and are non-transferable.
9. Monthly raffle winners shall be notified via SMS, registered mail and email. The list of winners will also be announced on Cebuana Lhuillier’s official social media channels.
10. A customer may win multiple times on Pick-a-Prize during the promo period, provided that each winning entry is derived from a separate qualified transaction.
11. Winners may claim their prizes at the Cebuana Lhuillier branch where the winning transaction was made.
12. To claim the raffle prize, winners must present the SMS notification and one (1) valid photo-bearing ID with signature.
13. If claiming through an authorized representative, present an authorization letter, SMS notification, and one (1) valid photo-bearing ID with signature.
14. All winners will have sixty (60) calendar days to redeem their raffle prize upon receipt of the registered notification. All unclaimed prizes within the redemption period will be forfeited with prior approval of DTI.
15. Employees of P.J. Lhuillier Group of Companies and their relatives up to the second (2nd) degree of consanguinity or affinity are disqualified from joining the promotion.