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Mechanics:

This raffle promo is open only for all registered members of the Cebuana Lhuillier 24k Rewards Program except employees and families of P.J. 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.
24k rewards members who does 2 or more of the following transactions at Cebuana Lhuillier for the month gets a raffle entry for a chance to win prizes in a monthly raffle.

Qualified transactions:
1. Remittance via Cebuana Pera Padala (domestic and international)
2. Pawning (new pawn and/or renewal)
3. Opening of a Microsavings account
4. Buying of ProtectMax insurance
Transactions vis a vis raffle entries: (for every 2 transactions / month a customer gets 1 raffle entry)
Ex:
1. 2 transactions = 1 raffle entry
2. 4 transactions = 2 raffle entries
3. 6 transactions = 3 raffle entries
4. 8 transactions = 4 raffle entries
5. 10 transactions = 5 raffle entries
The promotion period ends on December 18, 2022
There will be 240 winners for this raffle, of the following prizes:
1. 24 winners of Cebuana rewards membership points: 240 points (worth P240)
2. 24 winners of Paradigm Grid Sling Bag (worth P349)
3. 24 winners of Atmos Fit Vitali V2 Smartwatch (worth P799)
4. 24 winners of Gearguard UV light sterilizer bag (worth P499)
5. 24 winners of Kimstore e-vouchers (worth P2,400)
6. 24 winners of Smartcook 2.5L airfryer (worth P1,799)
7. 24 winners of Jaguar UV sanitizer box (worth P249)
8. 24 winners of Exceedo Polaris Bluetooth Headphone (worth P590)
9. 24 winners of Kazumi 3-1 sandwich, waffle maker & grill (worth P1,099)
10. 24 winners of Avita Essential 14” laptop (P16,000)
To qualify and join the raffle, participants must be a member of the Cebuana Lhuillier 24k Rewards Program and have 2 or more transactions for the month, before the draw date
Winners can win more than one prize during the entire promo duration.
Winners are drawn electronically based on the following details:
1. 24k Reward Client Number
2. 24k Reward Card Number
3. Transaction number
4. Transaction type
5. Full Name
6. Email Address
7. Mobile Number
8. Present address registered with Cebuana Lhuillier 24k Reward Program
Winners will be notified through direct messaging on Facebook, SMS, email and/or registered mail based on their information in the records of the Cebuana Lhuillier 24k Rewards Program. Winners will also be announced through the official Facebook page of the Cebuana Lhuillier 24k Rewards Program.

There will be 1 draw date:

Cut-Off Date	Draw Date	Prizes	No. of Winners	Announcement
December 18, 2022	December 21, 2022	Cebuana rewards membership points: 240 points (worth P240) Paradigm Grid Sling Bag (worth P349) Atmos Fit Vitali V2 Smartwatch (worth P799) Gearguard UV light sterilizer bag (worth P499) Kimstore e-vouchers (worth P2,400) Smartcook 2.5L airfryer (worth P1,799) Jaguar UV sanitizer box (worth P249) Exceedo Polaris Bluetooth Headphone (worth P590) Kazumi 3-1 sandwich, waffle maker & grill (worth P1,099) Avita Essential 14” laptop (P16,000)	24 24 24 24 24 24 24 24 24 24	December 24, 2022

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 P.J. Lhuillier Inc.
Refer to the Cut-off Dates above for the deadline for submission of entries.
P.J. Lhuillier Inc. reserves the right, in concurrence with DTI, to reject a participant if he/she is unable to satisfy the conditions set out in this promo mechanics.
Prizes are non-transferable and cannot be exchanged for nor redeemed as cash or other items.
Period of redemption / Claim Period:
Prizes not claimed within sixty (60) days from receipt of notice will be forfeited in favor of P.J Lhuillier with prior approval of the DTI.
Cebuana Lhuillier shall pay 20% tax for prizes exceeding P10,000.
Winners must present the following for the claiming of prizes:
1. A copy of their 24k Rewards Card (physical or virtual)
2. Screenshot of successful order completion reflecting order number from Lazada app
For Cebuana Lhuillier 24k Micro Savings Debit Card with Php500 cash credit, valid winners must go to any Cebuana Lhuillier branch within 60 days upon notice of instructions from P.J. Lhuillier Inc.
For Winners of appliances or devices and other non-Cebuana Lhuillier branded items, Cebuana Lhuillier will send the prize to the registered address of the winner within 60 days upon notice.
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 P.J. Lhuillier Inc., in their sole discretion with the concurrence of the DTI. Decisions made by P.J. Lhuillier Inc., in all matters to do with the Promotion are final and no correspondence will be entered into with the concurrence of the DTI.
P.J. Lhuillier Inc. shall not be responsible for claims of any nature whatsoever for any loss, damage, illness, bodily injury including death of any customer arising out of participation in the Promotion or the use of the prizes.
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.

DTI Fair Trade Permit No. FTEB-157205 Series of 2022

Mechanics:

This raffle promo is open only for all registered members of the Cebuana Lhuillier 24k Rewards Program except employees and families of P.J. Lhuillier Inc., its affiliates or subsidiary companies, as well as its representatives or agents and advertising agencies, including their relatives up to the seconddegree of affinity or consanguinity or anyone else professionally connected with the Promotion are disqualified to join.
24k rewards members can get a chance to win prizes in a monthly raffle if they shop at Lazada during the duration of the promo period.
Promotion period is from July 1 to October 15, 2022, extended till December 15, 2022 as approved by DTI-FTEB
There will be 1,215 winners for this raffle, of the following prizes:
1. 1200 winners of Cebuana Lhuillier 24k Micro Savings Debit Card with Php500 cash credit
2. 3 winners of Haier 7 cu ft 2-door Refrigerator worth Php 12,498.00
3. 3 winners of TCL 32" Android TV worth Php 11,998.00
4. 3 winners of Toshiba 11kg Twin Tub Washing Machine worth Php 11,981.00
5. 3 winners of Fujidenso Gas range & oven worth 11,998
6. 3 winners of Wow! Fiesta medly 2 Poratble Karaoke player worth P11,499
To qualify and join the raffle, participants must be a member of the Cebuana Lhuillier 24k Rewards Program before the draw.Shopping at Lazada is not a pre requisite to join the raffle promo, because all members are automatically part of the raffle. The proof of shopping during the promo duration will be needed upon claiming of the prizes only.
A member can only have 1 entry for each raffle. All members are automatically part of the raffle promo with 1 entry per member. If they do not win in the 1st draw, they will be included again in the 2nd, 3rd, 4th and 5thraffle draws automatically.
Winners can only win once during the entire promo duration.
Winners are drawn electronically based on the following details:
1. 24k Reward Client Number
2. 24k Reward Card Number
3. Full Name
4. Email Address
5. Mobile Number
6. Present address registered with Cebuana Lhuillier 24k Reward Program
Winners will be notified through direct messaging on Facebook, SMS, email and/or registered mail based on their information in the records of the Cebuana Lhuillier 24k Rewards Program. Winners will also be announced through the official Facebook page of the Cebuana Lhuillier 24k Rewards Program.

There will be 5 draw dates:

Cut-Off Dates	Draw Date	Prizes	No. of Winners	Announcement
August 15, 2022	August 17, 2022	Cebuana Lhuillier 24k Micro Savings Debit Card with Php500 cash credit Haier 7 cu ft 2-door Refrigerator	240 3	August 24, 2022
September 15, 2022	September 17, 2022	Cebuana Lhuillier 24k Micro Savings Debit Card with Php500 cash credit Toshiba 11kg Twin Tub Washing Machine	240 3	September 24, 2022
October 15, 2022	October 17, 2022	Cebuana Lhuillier 24k Micro Savings Debit Card with Php500 cash credit TCL 32" Android TV	240 3	October 24, 2022
November 15, 2022	November 17, 2022	Cebuana Lhuillier 24k Micro Savings Debit Card with Php500 cash credit Fujidenso Gas Range & Oven	240 3	November 24, 2022
December 15, 2022	December 17, 2022	Cebuana Lhuillier 24k Micro Savings Debit Card with Php500 cash credit Wow! Fiesta Medley 2 Portable Karaoke player	240 3	December 24, 2022

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 P.J. Lhuillier Inc.
Refer to the Cut-off Dates above for the deadline for submission of entries.
P.J. Lhuillier Inc. reserves the right, in concurrence with DTI, to reject a participant if he/she is unable to satisfy the conditions set out in this promo mechanics.
Prizes are non-transferable and cannot be exchanged for nor redeemed as cash or other items.
Period of redemption / Claim Period:
Prizes not claimed within sixty (60) days from receipt of notice will be forfeited in favor of P.J Lhuillier with prior approval of the DTI.
Cebuana Lhuillier shall pay 20% tax for prizes exceeding P10,000.
Winners must present the following for the claiming of prizes:
1. A copy of their 24k Rewards Card (physical or virtual)
2. Screenshot of successful order completion reflecting order number from Lazada app
For Cebuana Lhuillier 24k Micro Savings Debit Card with Php500 cash credit, valid winners must go to any Cebuana Lhuillier branch within 60 days upon notice of instructions from P.J. Lhuillier Inc.
For Winners of appliances or devices and other non-Cebuana Lhuillier branded items, Cebuana Lhuillier will send the prize to the registered address of the winner within 60 days upon notice.
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 P.J. Lhuillier Inc., in their sole discretion with the concurrence of the DTI. Decisions made by P.J. Lhuillier Inc., in all matters to do with the Promotion are final and no correspondence will be entered into with the concurrence of the DTI.
P.J. Lhuillier Inc. shall not be responsible for claims of any nature whatsoever for any loss, damage, illness, bodily injury including death of any customer arising out of participation in the Promotion or the use of the prizes.
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.

July 1 to Oct 15, 2022, extended until December 15, 2022 as approved by DTI-FTEB.
DTI Fair Trade Permit No. FTEB-146221 Series of 2022

Mechanics:

The promotion period is from July 1 to 15, 2022
Open to all registered members of the Cebuana Lhuillier 24k Rewards Program except employees and families of P.J. 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.
There will be 240 winners for this raffle, of the following prizes:
1. 24 Winners of 24 Cebuana Lhuillier 24k points worth Php 24
2. 24 Winners of 24 Cebuana Lhuillier 24k points worth Php 50
3. 24 Winners of 24 Cebuana Lhuillier 24k points worth Php 100
4. 24 Winners of 24 Cebuana Lhuillier 24k points worth Php 240
5. 24 Winners of Cebuana Lhuillier Micro Saving Account Credit worth Php200
6. 24 Winners of Avita Essentials 14” laptop worth 16,000
7. 24 Winners of SMARTCOOK 2.5L Air Fryer worth 1,799
8. 24 Winners of Kazumi 3-1 Sandwich, Waffle maker, and Grill worth 1,099
9. 24 Winners of EXCEEDO Polaris Bluetooth Headphone & Microphone worth 590
10. 24 Winners of JAGUAR UV Sanitizer Box worth 249
To qualify for the raffle, participants must:
1. Be a member of the Cebuana Lhuillier 24k Rewards Program before the draw and
2. Like the Cebuana Lhuillier 24k Reward Program Facebook page
5. How to join:
1. Register as Cebuana Lhuillier 24k Rewards Program Member and make sure your account is updated.
2. Like the Cebuana Lhuillier 24k Reward Program Facebook page
3. Each member can only have 1 raffle entry
Winners can only win once during the entire promo duration.
Winners are drawn electronically based on the following details:
1. 24k Reward Client Number
2. 24k Reward Card Number
3. Full Name
4. Email Address
5. Mobile Number
6. Present address registered with Cebuana Lhuillier 24k Reward Program
Winners will be notified through direct messaging on Facebook, SMS, email and/or registered mail based on their information in the records of the Cebuana Lhuillier 24k Rewards Program. Winners will also be announced through the official Facebook page of the Cebuana Lhuillier 24k Rewards Program.

There will be one draw date on July 18, 2022:

Cut-Off Dates	Draw Date	Prizes	No. of Winners	Announcement
July 15, 2022	July 18, 2022	24 Cebuana Lhuillier 24k membership points 50 Cebuana Lhuillier 24k membership points 100 Cebuana Lhuillier 24k membership points 240 Cebuana Lhuillier 24k membership points Micro Saving Account Credit Avita Essentials 14” laptop SMARTCOOK 2.5L Air Fryer Kazumi 3-1 Sandwich, Waffle maker, and Grill EXCEEDO Polaris Bluetooth Headphone & Microphone JAGUAR UV Sanitizer Box	24 24 24 24 24 24 24 24 24 24	July 24, 2022

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 P.J. Lhuillier Inc.
Deadline for submission of entries is on July 15, 2021, 11:59pm.
P.J. Lhuillier Inc. reserves the right, in concurrence with DTI, to reject a participant if he/she is unable to satisfy the conditions set out in this promo mechanics.
Prizes are non-transferable and cannot be exchanged for nor redeemed as cash or other items.
Period of redemption / Claim Period:
Prizes not claimed within sixty (60) days from receipt of notice will be forfeited in favor of P.J Lhuillier with prior approval of the DTI.
Cebuana Lhuillier shall pay 20% tax for prizes exceeding P10,000.
To claim prizes: Winners must present copy of their 24k card for claiming of the prizes either upon pick up from Cebuana Branches or upon delivery of the prizes to the winners. The 24k membership points prizes (240, 100, 50, 24) will be credited to the account of winners within 2 days upon full verification of the qualified winners. For those who will win gift packs, Cebuana Lhuillier to send the prize to the registered address of the winner within 60 days upon notice.
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 P.J. Lhuillier Inc., in their sole discretion with the concurrence of the DTI. Decisions made by P.J. Lhuillier Inc., in all matters to do with the Promotion are final and no correspondence will be entered into with the concurrence of the DTI.
P.J. Lhuillier Inc. shall not be responsible for claims of any nature whatsoever for any loss, damage, illness, bodily injury including death of any customer arising out of participation in the Promotion or the use of the prizes.
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.

DTI Fair Trade Permit No. FTEB-146569 Series of 2022

Mechanics:

On April 24, 2022, all 24k rewards program members can get double the rewards points when they do any of the following transactions with Cebuana Lhuillier branches:

Domestic Remittance sending transactions
International Remittance sending and receiving transactions
New Pawning transactions (renewal pawning is not included)
Protectmax insurance fees

Transaction Type	Regular Day / Non-Promo Day		Doble K, Doble Saya Promo on April 24, 2022 Only
Transaction Type	24k Virtual Card	24k Gold Virtual Card	24k Virtual Card	24k Gold Virtual Card
New Pawning	1 point for every PHP 30 fee paid	1 point for every PHP 25 fee paid	2 points for every PHP 30 fee paid, maximum of 30 points. Beyond this, the regular points earning of 1 point for every PHP 30 fee paid will apply	2 points for every PHP 25 fee paid, maximum of 30 points. Beyond this, the regular points earning of 1 point for every PHP 25 fee paid will apply
Domestic Remittance Sending	1 point for every PHP 30 fee paid	1 point for every PHP 25 fee paid
International Payout	3 points for every transaction, through any partner, regardless of amount		6 points for every transaction, through any partner, regardless of amount
International Sending	5 points for every transaction, through any partner, regardless of amount		10 points for every transaction, through any partner, regardless of amount
ProtectMAX Insurance Buying	1 point for every PHP 30 premium fee paid	1 point for every PHP 25 premium fee paid	2 points for every PHP 30 premium fee paid	2 points for every PHP 25 premium fee paid

The promo is open to all registered members of the Cebuana Lhuillier 24k Rewards Program except employees and families of P.J. 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.
To qualify for the promo, participants must:
1. Be a member of the Cebuana Lhuillier 24k Rewards Program
2. Transact at CL branches on April 24, 2022 (during business hours)
Participants can get double the rewards points for each transaction they make during on April 24, 2022
Points will be credited to the members accounts within 30 working days upon successful transaction.
P.J. Lhuillier Inc. reserves the right, in concurrence with DTI, to reject a participant if he/she is unable to satisfy the conditions set out in this promo mechanics.
Prizes are non-transferable and cannot be exchanged for nor redeemed as cash or other items.
Winners must present copy of their 24k membership account upon transacting in Cebuana Lhuillier.
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 P.J. Lhuillier Inc., in their sole discretion with the concurrence of the DTI. Decisions made by P.J. Lhuillier Inc., in all matters to do with the Promotion are final and no correspondence will be entered into with the concurrence of the DTI.
P.J. Lhuillier Inc. shall not be responsible for claims of any nature whatsoever for any loss, damage, illness, bodily injury including death of any customer arising out of participation in the Promotion or the use of the prizes.
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.

DTI Fair Trade Permit No. FTEB-140792 Series of 2022

Mechanics:

The promotion will run every Friday starting April 8, 2022 to May 31, 2022.
Open to all registered members of the Cebuana Lhuillier 24k Rewards Program except employees, its affiliates or subsidiary companies including their relatives up to second degree of consanguinity or affinity.
Every Friday, starting April 8, 2022 (except Good Friday April 15, 2022 which is a holiday) all 24k rewards program members can get a chance to win prizes via electronic raffle when they do any of the following transactions with Cebuana Lhuillier branches.
1. Domestic and International Remittance (w. minimum transaction fee of P30)
2. Pawning transactions (renewal pawning is included)
3. Insurance premium payments
There will be 240 winners for this weekly raffle, of the following prizes:
1. 24k branded Umbrella worth P250
2. 24k branded bags worth P100
To qualify for the raffle, participants must:
1. Be a member of the Cebuana Lhuillier 24k Rewards Program.
2. Must do any of the following transactions during the promo period (Every Friday starting April 1, 2022, except April 15)
  - Domestic and International Remittance
  - Pawning transactions (renewal pawning not included)
  - ProtectMax premium payments
Winners can only win once during the entire promo duration.
Winners are drawn electronically based on the following details:
1. 24k Reward Client Number
2. 24k Reward Card Number
3. Full Name
4. Email Address
5. Mobile Number
6. Present address registered with Cebuana Lhuillier 24k Reward Program
Winners will be notified through direct messaging on Facebook, SMS, email and/or registered mail based on their information in the records of the Cebuana Lhuillier 24k Rewards Program. Winners will also be announced through the official Facebook page of the Cebuana Lhuillier 24k Rewards Program.
Raffle entry cut off will be at 11:59pm on every Friday starting April 8, 2022 until May 31, 2022, except April 15. (only transactions during Fridays will be accepted in the raffle)

There will be weekly draws (every Wednesday, following the Friday promo day)

Cut-Off Dates	Draw Date	Prizes	No. of Winners	Announcement
Every Friday (12am – 11:59PM)	Every Following Wednesday	24k branded umbrellas 24k branded bags	240 240	Every next Friday (example: April 8 promo day, April 13 draw, April 15 announcement)

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 P.J. Lhuillier Inc.
12. P.J. Lhuillier Inc. reserves the right, in concurrence with DTI, to reject a participant if he/she is unable to satisfy the conditions set out in this promo mechanics.
Prizes are non-transferable and cannot be exchanged for nor redeemed as cash or other items.
Winners must present a copy of their 24k card or 24k online account for claiming the prize from the nearest Cebuana Lhuillier branch. During verification of winners by Cebuana Lhuillier, the branch will be nominated by the Customer.
Claiming of prizes is until 60 days from receipt of notification. Otherwise, prizes will be forfeited in favor of Cebuana Lhuillier with prior DTI approval.
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 P.J. Lhuillier Inc., in their sole discretion with the concurrence of the DTI. Decisions made by P.J. Lhuillier Inc., in all matters to do with the Promotion are final and no correspondence will be entered into with the concurrence of the DTI.
P.J. Lhuillier Inc. shall not be responsible for claims of any nature whatsoever for any loss, damage, illness, bodily injury including death of any customer arising out of participation in the Promotion or the use of the prizes.
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.

DTI Fair Trade Permit No. FTEB-140306 Series of 2022

Mechanics:

Promo runs from March 15, 2021 to May 31, 2022.
Open to all clients with no domestic remittance transactions with Cebuana Lhuilliier from September 1 to January 31, 2022.

All qualified clients who will transact domestic remittance at any Cebuana Lhuillier branches will enjoy 50% discount on sending fee or earn double 24k card points regardless of amount and depending on the ff. qualifier:

Qualifier	Sending Amount Required	Prize
Intra-island domestic remittance (within Luzon, VisMin or Mindanao)	N/A	50% Discount on Sending Fee
Non intra-island domestic remittance	N/A	Double 24k Card Points

A client can only avail any of the offers up to 2 times within the promo duration.
Prize is not transferable or convertible to cash.
Offer is not valid in conjunction with any other offers, promotions and discounts.
All employees and agencies of Cebuana Lhuillier and their relatives up to 2nd degree of consanguinity and affinity are disqualified for joining the promo.

DTI FAIR TRADE PERMIT NO. FTEB-139007, SERIES OF 2022

Mechanics:

Promo runs from March 15, 2021 to May 31, 2022.
Open to all clients who will pawn or payout international remittance sent from abroad at any Cebuana Lhuillier branches.

All qualified clients will earn 50% discount on domestic remittance sending fee for their next domestic sending transaction based on the following qualifier:

Transaction	Principal/Payout Amount Required
New Pawn	Minimum Php5,000 Principal Amount
International Payout	N/A

50% discount on domestic sending fee is applicable only to a max. of Php2,500 sending amount per single receipt transaction.
Ex: Php2,500 sending amount = Php75
Less 50% = Php37.5
Domestic sending fees vary per region.
A client can only earn up to two (2) 50% discounts within the promo duration.
Earned 50% discount shall be deducted on the next domestic sending transaction of the client.
Claiming of 50% sending discount is until July 31, 2022 only.
Unclaimed 50% discount can be accumulated and can be used within the claiming period.
Prize is not transferrable or convertible to cash.
Offer is not valid in conjunction with any other offers and promotions.
All employees and agencies of Cebuana Lhuillier and their relatives up to 2nd degree of consanguinity and affinity are disqualified for joining the promo.

DTI FAIR TRADE PERMIT NO. FTEB-139042, SERIES OF 2022

24K POINTS EARNINGS TABLE
TRANSACTION	24k VIRTUAL CARD	24k GOLD VIRTUAL CARD
CEBUANA BRANCH TRANSACTIONS
Pawning (New or Renewal)	1 point for every PHP 30 transaction fee paid	1 point for every PHP 25 transaction fee paid
International Payout	3 points for every transaction, through any partner, regardless of amount
International Sending	5 points for every transaction through Moneygram and Western Union, regardless of amount
Domestic Remittance Sending	1 point for every PHP 30 transaction fee paid	1 point for every PHP 25 transaction fee paid
Domestic Remittance Payout	1 point for every transaction, regardless of amount
ProtectMAX Insurance Buying	1 point for every PHP 30 premium fee paid	1 point for every PHP 25 premium fee paid
Opening of a New MicroSavings Account	2 points for every new MicroSavings Account opened
IN-APP TRANSACTIONS
eCebuana	1 point for every applicable trasaction in eCebuana app, regardless of amount but minimum of PHP 500 per transaction. Applicable eCebuana transactions: Bills Pay, DomRem, Eload, Instapay, and On-us Fund Transfer

24K POINTS REDEMPTION TABLE
PRODUCTS AND SERVICES	VIA CEBUANA BRANCH	VIA 24k ONLINE PORTAL
CEBUANA LHUILLIER PRODUCTS AND SERVICES
Pawning (New & Renewal)	Transaction Fees	n/a
International Remittance (Sending & Payout)	Transaction Fees	n/a
Domestic Remittance (Sending & Payout)	Transaction Fees	n/a
Insurance - Premium Fees	ProtectMAX	Personal Accident PRIME & Personal Accident PLUS
Microsavings Account	Card Availment	n/a
E-load Smart, Sun & Globe	Regular Load 20, 30, 50, and 100	Regular Load 20, 30, 50, and 100

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