MAYBANK S AIR MILES LUCKY DRAW (4 NOV FEB 2016) TERMS AND CONDITIONS

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MAYBANK’S AIR MILES LUCKY DRAW (4 NOV 2015 – 29 FEB 2016) TERMS AND CONDITIONS 1. Definitions

"Account" means a personal Singapore issued Maybank Card account maintained by the Maybank Cardmember which has not been terminated and in the sole discretion of Maybank is in good standing.

"Cardmember" means a person to whom a Maybank Card has been issued by Maybank who is a Principal Cardmember whose Accounts are in good standing throughout the Promotion Period. The Principal Cardmember must be enrolled in: (a) the Singapore Airlines’ KrisFlyer Programme or Asia Miles Programme; and (b) the Maybank Frequent Flyer Programme, during the qualifying period.

"Chance" means one opportunity to participate in the Draw.

"Draw" means the lucky draw to be conducted by Maybank in accordance with these terms and conditions.

"Maybank" means Malayan Banking Berhad, Singapore branch.

"Maybank Card" means a personal Singapore-issued Maybank Credit or Debit Card “Maybank Frequent Flyer Programme” refers to the Maybank loyalty programme that lets you convert your TREATS Points to KrisFlyer miles or Asia Miles. Cardmembers must be an existing KrisFlyer member or Asia Miles member in order to enrol.

"Prize" means one (1) million KrisFlyer Miles or Asia Miles for each of the five (5) Winners. KrisFlyer Miles and Asia Miles are subject to the respective merchant’s Terms and Conditions and the restrictions on use set out therein.

"Promotion Period or Qualifying Period" is defined as 4 November 2015 to 29 February 2016 (Singapore time both days inclusive).

"Retail Transaction" means an approved retail payment made by the Maybank Cardmember using his/her Maybank Credit or Debit Card. A Retail Transaction includes monthly instalment amounts posted to a Maybank Cardmember’s Account during the qualifying period under a 0% instalment plan, but shall exclude the full amount charged under the plan. EZ-Link transactions, Transitlink transactions, cash advances, fund transfers, reversals, money transfers, annual fees and finance charges, any form of online payment gateway transactions such as PayPal transactions, BidPay transactions, and Skrill transactions, are also excluded and will not be taken into consideration for the purpose of the Draw.

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2. Eligibility

a) All Maybank Cardmembers whose Maybank Card Accounts are open and in good standing during the Promotion Period are eligible to participate in the Draw except for:

i) Holders of business/corporate cards, prepaid cards and ATM cards;

ii) Supplementary Cardmembers. For avoidance of doubt, the benefit of all charges incurred by a Supplementary Cardmember in respect of the Draw shall accrue to the eligible principal Cardmember. Termination of a supplementary Cardmember’s account will not by itself disqualify the eligible principal Cardmember from the Draw;

iii) Maybank employees (and their immediate families) and employees of its advertising/media agencies, vendors or sponsors;

iv) Principal Cardmembers whose Accounts are terminated during the Promotion Period; v) Principal Cardmembers who are not a member of the Maybank Frequent Flyer Programme;

and/or

vi) Any other accounts that are deemed to be delinquent or unsatisfactorily conducted by Maybank at its sole and absolute discretion.

b) By participating in the Draw and/or by accepting a Prize, Cardmembers agree to abide by the terms and conditions stated herein.

3. Promotion Mechanics and Awarding of Chances

Each eligible Cardmember will receive the Chances as set out below: a)

Earn 10 Chances for every S$50 charged to your Maybank Card:

Ten (10) Chances will be awarded for every S$50 charged to your Maybank Card in local or

foreign currency equivalent,

accumulated in eligible Retail Transactions.

Example 1:

Retail Transactions within the Campaign Month

Local Transactions S$40

Foreign Currency Transactions RM300 (Est.S$100)

Total Spend

_S$140

Total Chances Awarded

_{20 Chances}

Example 2:

Total Spend

_S$100

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3 Example 3:

Total Spend

_S$230

_{40 Chances}

Example 4:

Foreign Currency Transactions RM300 (Est. S$100) + USD100 (Est.$130) = S$230

Total Spend

_S$360

_{70 Chances}

b) Only Retail Transactions charged in any calendar month during the Qualifying Period posted by the 6th day of the subsequent month to the Cardmember’s monthly statement of Account shall constitute proof of eligible spending for purposes of computation of Chances for the Draw.

c) Retail Transactions charged to the Maybank Cards in February 2016 must be posted to the Cardmembers’ Accounts by 6 March 2016 for computation of Chances for the final month of the Promotion Period.

d) The Chances will be awarded to the Principal Account holder on a monthly basis. Chances would be reflected in the monthly billing statements sent to Cardmembers.

e) Maybank shall not be responsible for any failure or delay in the transmission of evidence of sales transactions by merchant establishments, postal or telecommunication authorities or any other party which may result in a charge incurred by the eligible Cardmember and/or his/her supplementary Credit Cardmember(s) as being omitted from the allocation of Chances by Maybank during the Qualifying Period.

f) Chances accumulated are not transferable and will be cancelled by Maybank, without incurring any liability, upon the suspension, cancellation and/or termination of any Account.

g) Chances cannot be transferred to or combined with Chances awarded to any other Cardmember’s Account.

h) In the event that an Account is closed and a new Account is opened, Chances from the closed Account will not be transferred to the new Account.

i) For Retail Transactions for which Chances are awarded and are subsequently cancelled or reversed, Chances awarded will be automatically deducted.

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k) Maybank’s transaction records and the total number of Chances allocated to a Cardmember shall be final, conclusive and binding. No correspondence will be entertained.

4. Draw

a) The Draw will be conducted on 18 March 2016 or such other date as Maybank may determine at its sole discretion at Maybank Centre, 1 Ang Mo Kio Street 64, Singapore 569083 or such other venue as may be determined by Maybank via a computerised lucky draw system.

b) The Prizes will only be awarded to the Winners.

c) Maybank reserves the right to draw a reserve winner to substitute a Winner subsequently found to be disqualified. Maybank’s determination of the Winner shall be final, conclusive and binding. No correspondence or claims will be entertained.

d) Winners will be notified by ordinary post and/or contacted via telephone at their last known contact on record with Maybank. Except for notifications to the Winners, Maybank is not obliged to enter into any correspondence with any person on any matter concerning the Draw. e) Results will be announced on Maybank’s website at www.maybank2u.com.sg and published in

a newspaper within seven (7) working days after the Draw date.

f) Maybank reserves the right to claim the full cost of the Prize from the Winner in the event that: a) an eligible Retail Transaction is cancelled or reversed after the Prize has been awarded; and/or b) the Winner’s Maybank Card Account is closed/terminated for whatever reason (whether by the Winner, Maybank or otherwise) within six (6) months from the date the Winner receives the Prize. In such cases, the Winner authorises Maybank to charge the value of the Prize to the Winner’s Maybank Card Account prior to the closure or termination of the Winner’s Maybank Card Account or deduct the full cost of the Prize from any other account that the Winner maintains with Maybank.

g) The Prize must be claimed in Singapore on or before 18 May 2016. Any unclaimed Prize will be forfeited. Any Winner whose Prize has been forfeited shall not be entitled to any payment or compensation notwithstanding non-receipt of notification.

h) Prize is neither transferable nor exchangeable for cash, credit or otherwise. Maybank may, at any time without notice in its sole and absolute discretion, substitute the Prize with another prize of similar value without notice and liability to any person.

i) Winners shall accept the Prizes "as is". Maybank is not the supplier of the Prizes and any related services and makes no representation or warranty whatsoever as to the merchantability and/or fitness for purpose of the Prizes and assumes no liability or responsibility for the acts or defaults of the merchants or for any delivery or non-performance. Maybank is not an agent of the merchants. Any dispute over the Prizes and/or related services shall be resolved directly with the merchants.

5. General

a) Cardmembers hereby authorise Maybank to disclose and publish their names and other particulars in the event that he/she wins the Prize in accordance with applicable law.

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c) Maybank shall have the sole and absolute discretion to exclude any person from participating in the Draw without any obligation to furnish any notice and/or reason.

d) The eligibility to receive Chances to this Draw is not valid in conjunction with other Maybank offers, promotions, in-house offers, discount cards, loyalty programmes and vouchers, unless otherwise stated.

e) Maybank reserves the right in its sole and absolute discretion to vary, delete or add to any of these terms and conditions from time to time or to suspend or terminate the Draw at any time without notice or liability to any person.

f) Maybank, its related corporations, employees and/or independent contractors shall not be liable to any person for any loss, damage, liability, expense and/or injury whatsoever or howsoever incurred or sustained by the Cardmember and/or any other person by reason of, arising from or in connection with the Draw and/or the use of the Prize or lost, late, misdirected, damaged, incomplete, illegible or postage-due mail, or transactions that are processed late, incorrectly or lost due to computer or other electronic breakdown or malfunction or any other reason.

g) Maybank’s decision on all matters relating to the Draw (including without limitation the Chances awarded to the Cardmembers and the selection of the Winners of the Draw) shall be final, conclusive and binding on all participating Cardmembers.

h) Maybank may at any time waive either unconditionally or on such terms and conditions as the Maybank deems fit in its discretion any right it has under these terms and conditions, however any such waiver shall not preclude Maybank from exercising such rights in the future.

i) In the event of any inconsistency between these terms and conditions and any brochure, marketing or promotional material relating to this Draw, these terms and conditions shall prevail.