Hulugan mo, Pamasko ko!

Promo Period: 12:01 AM of October 20, 2025 to 11:59 PM of January 11, 2026  
Per DTI Fair Trade Permit No. FTEB-240055 Series of 2025

1. The promo period is from October 20, 2025 to January 11, 2026.
2. The promo is open to all customers who applied for a Tonik Shop Installment Loan within the promo period, subsequently approved and disbursed. No minimum spending is required.
3. To earn a raffle entry, participants must register by scanning the QR Code that leads to PamaskoLoan Registration Form. The participants should register their Name, and Contact Number.
4. The deadline for registration to earn a raffle entry is on or until January 11, 2026.
5. To join the promo, customers should download the Tonik App on App Store or Play Store.
6. The Tonik customer should not have delinquent records to qualify for the promo.
7. Winners will be drawn weekly. See below dates of raffle draw:

	Deadline of Entries	Raffle Draw Dates	No. of Winners & Prizes
1st Raffle Draw	Sunday, October 26, 2025	Tuesday, October 28, 2025	Twenty (20) winners of a fully waived loan
2nd Raffle Draw	Sunday, November 2, 2025	Tuesday, November 4, 2025	Twenty (20) winners of a fully waived loan
3rd Raffle Draw	Sunday, November 9, 2025	Tuesday, November 11, 2025	Twenty (20) winners of a fully waived loan
4th Raffle Draw	Sunday, November 16, 2025	Tuesday, November 18, 2025	Twenty (20) winners of a fully waived loan
5th Raffle Draw	Sunday, November 23, 2025	Tuesday, November 25, 2025	Twenty (20) winners of a fully waived loan
6th Raffle Draw	Sunday, November 30, 2025	Tuesday, December 2, 2025	Twenty (20) winners of a fully waived loan
7th Raffle Draw	Sunday, December 7, 2025	Tuesday, December 9, 2025	Twenty (20) winners of a fully waived loan
8th Raffle Draw	Sunday, December 14, 2025	Tuesday, December 16, 2025	Twenty (20) winners of a fully waived loan
9th Raffle Draw	Sunday, December 21, 2025	Tuesday, December 23, 2025	Twenty (20) winners of a fully waived loan
10th Raffle Draw	Sunday, December 28, 2025	Tuesday, December 30, 2025	Twenty (20) winners of a fully waived loan
11th Raffle Draw	Sunday, January 4, 2026	Tuesday, January 6, 2026	Twenty (20) winners of a fully waived loan
12th Raffle Draw	Sunday, January 11, 2026	Tuesday, January 13, 2026	Twenty (20) winners of a fully waived loan

8. There will be twenty (20) weekly winners from four regions: Luzon: twelve (12) winners, Metro Manila: four (4) winners, Visayas: three (3) winners, & Mindanao: one (1) winner.
9. A customer can only win once. If a name was drawn more than once, the winner shall only get the prize of higher value.
10. Tax (including 20% withholding tax for prizes exceeding P10,000) and related expenses shall be shouldered by Tonik Digital Bank, Inc.
11. Winners shall be notified via registered mail, email, call and SMS.
12. Redemption of prizes is until sixty (60) days upon receipt of notification. If unclaimed, the prize will be forfeited in favor of Tonik Digital Bank, Inc. with prior approval from DTI.
13. All employees of Tonik Digital Bank and partner retail stores, as well as their relatives up to the second degree of consanguinity or affinity, are disqualified from joining the promo.