Terms and Conditions Applicable to the CIMB YOUth Rewards and Privileges (the Rewards and Privileges )

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1 Terms and Conditions Applicable to the CIMB YOUth Rewards and Privileges (the Rewards and Privileges ) For the avoidance of doubt, the Terms and Conditions herein are supplemental to the terms and conditions of the Savings Account. The Bank s terms and conditions of the Savings Account shall continue to apply and the Terms and Conditions herein shall be deemed in additions to and not in derogation thereof. The Terms and Conditions applicable to the Rewards and Privileges which may be determined by CIMB Bank Berhad (the Bank ) from time to time shall include but not limited to the following: 1. Entitlement to Enjoy Rewards and Privileges The Rewards and Privileges are extended to the customers aged of 12 to 23 years old who open and maintain CIMB YOUth Savers Account (the Account ). Customer(s) is hereafter referred to as Account Holder. The Rewards and Privileges available to the Account Holder consist of: (a) Welcome Gift (b) Birthday Gift (c) Bonus Interest on Interest Earned (d) Quarterly Merchandise Redemption The Bank shall be entitled to upon giving reasonable notice to the Account Holder terminate the Rewards and Privileges extended herein upon the Account Holder attaining the age of 24 years old. 2. Welcome Gift Each Account Holder shall be entitled to receive the on spot one (1) CIMB YOUth Point for the purpose of the Quarterly Merchandise Redemption (see clause 5 below) with each Account opened. The CIMB YOUth Point must be utilised for redemption in the following quarterly redemption period failing which the same shall be forfeited and may not be carried forward for use in the next quarterly redemption period. Additionally, Account Holder shall receive one (1) welcome gift (to be determined by the Bank) for each Account opened with a minimum deposit of RM300. There will be only 15,000 units of welcome gift available nationwide. 3. Birthday Gift For the quarter in which the Account Holder s birthday falls in, the Account Holder shall be entitled to receive one (1) CIMB YOUth Point as Birthday Giveaway for the purpose of the said Quarterly Merchandise Redemption. The CIMB YOUth Point may be utilised for redemption in the following quarterly redemption period failing which the same shall be forfeited and may not be carried forward for use in the next quarterly redemption period. 4. Bonus Interest on Interest Earned The bonus interest on the total interest earned (the Bonus ) in the relevant calendar year determined at the rate stated below will be credited into the Account if the Account Holder deposits an amount of at least RM100 into the Account each month via Periodical Payment Instruction deposited by the Account Holder with the Bank (the Monthly Periodical Payment Instruction ): i. The Bonus shall be determined at 100% of the pro-rated interest earned for the relevant calendar year provided that the Monthly Periodical Payment Instruction is successfully carried out in respect of all the months or the remaining months (as the case may be) for the relevant calendar year beginning from the commencement of the Monthly Periodical Payment Instruction. ii. iii. The Bonus shall be determined at 50% of the pro-rated interest earned for the relevant calendar year if there is failure in the effect or carrying out of the Monthly Periodical Payment Instruction by the Bank which is attributable to the default of the Account Holder for one (1) or two (2) months in respect of all the months or the remaining months (as the case may be) for the relevant calendar year beginning from the commencement of the Monthly Periodical Payment Instruction. The Bonus shall not be awarded if there is failure in the effect or carrying out of the Monthly Periodical Payment Instruction by the Bank which is attributable to the default of the Account Holder for three (3) months or more in respect of all the months or the remaining months (as the case may be) for the relevant calendar year beginning from the commencement of the Monthly Periodical Payment Instruction. The computation of the Bonus will be effective from the month of commencement of the Monthly Periodical Payment Instruction. 5. Quarterly Merchandise Redemption The Quarterly Merchandise Redemption (the Programme ) is opened for participation to all Account Holders to redeem a range of youth-related merchandise.

2 Every average quarterly balance of RM500 maintained under the Account shall entitle the Account Holder to be awarded 1 CIMB YOUth Point for the purpose of the Programme (the YOUth Point(s) ). The CIMB YOUth Point(s) earned in the below mentioned qualifying period may be utilised for redemption online during the corresponding redemption period(s) as set out in the table below. CIMB YOUth Point(s) that are not utilised for redemption during the relevant quarterly redemption period will be forfeited and may not be carried forward for use during the next quarterly redemption period. Qualifying Period Redemption Period Quarter Months Commencement of Redemption Period Redemption Period End Date (on while stocks last basis only) 1 January to March 9am of the 2nd Saturday of April 30 th April 2 April to June 9am of the 2nd Saturday of July 31 st July 3 July to September 9am of the 2nd Saturday of October 31 st October 4 October to December 9am of the 2nd Saturday of January 31 st January To participate in the Programme, Account Holder is required to log on to (the CIMB Clicks ) and follow the instruction set out therein. Only Account Holder whose Account is valid and meets the Programme criteria as mentioned above will be eligible to participate in the Programme. Each Account Holder can redeem up to a maximum of three (3) merchandises on a firstcome-first-serve basis for each redemption period regardless of the number of Accounts held by the Account Holder and the Programme is subject to such other terms and conditions as may be imposed by the Bank at any time and from time to time. Upon the Account Holder s submission of the CIMB YOUth Point(s), the Account Holder will be notified immediately of the status of the redemption via CIMB Clicks. The merchandise available for redemption and the respective quantity available will vary from quarter to quarter, and will be published at CIMB Clicks and/or and/or CIMB YOUth Quarterly enewsletter. For full terms and conditions applicable to the Programme, please refer to the CIMB YOUth Quarterly Merchandise Redemption Terms and Conditions made available at and 6. Withdrawal, Suspension, Termination, and Substitution of the Terms and Conditions and/or the Rewards and Privileges The Bank reserves the right upon giving reasonable notice to vary, delete or add to any of these Terms and Conditions or any part thereof at any time and/or to extend, modify, suspend, shorten, discontinue, cancel or terminate or substitute any one or more of the abovementioned Rewards and Privileges at any time and no compensation in cash or in kind shall be given to the Account Holder or any persons for any or all losses or damages suffered or incurred by the Account Holder and/or to any other parties as a direct or indirect result of such variation, deletion, addition or alteration of these Terms and Conditions and/or the extension, modification, cancellation, suspension or termination of the Rewards and Privileges. Notification to the Account Holder in respect of any of the above amendment hereof shall be effected at the Bank s absolute discretion through any one of the following means of communication, namely, by ordinary mail to the Account Holder s last known address or by posting a notice regarding such amendment at each of the Bank s branches or by effecting an advertisement regarding such amendment in one newspaper of the Bank s choice, or via the Bank s website and such amendment shall be deemed as binding on the Account Holder as from the date of notification of the such amendment or from such other date as may be specified by the Bank in the notification. 7. Others Conditions The Bank makes no representation or warranties with respect to the Rewards and Privileges and in particular, makes no warranties with respect to the quality of the Rewards and Privileges and/or the services or their suitability for any purposes. Under no circumstances shall the Bank be liable for any loss and/or damage incurred by the Account Holder or any other parties arising from and or in connection with the Rewards and Privileges or services given under the Reward and Privileges, even if the Bank has been advised of the possibility of such loss and/or damages in advance, and all such loss and/or damages are expressly excluded. The Bank reserves the right at its sole discretion to disqualify any individual that it determines to be tampering with the entry process or the operation of the Reward and Privileges, or to be acting in breach or potential breach of these Terms and Conditions. The Bank does not warrant that the Reward and Privileges shall be uninterruptible and/or error free. By being eligible in this Reward and Privileges, the Account Holder hereby acknowledges and irrevocably agrees that the Bank shall not in any manner whatsoever be liable for any interruption and/or any error arising from the Reward and Privileges.

3 The Bank shall not be liable or held responsible to the Account Holder in any manner whatsoever if the Bank shall be unable to perform any of its obligations stipulated herein due to whatsoever reasons including but not limited to inability which is caused by or due directly or indirectly to any act of God, industrial dispute, war, strike, riot, or anything beyond the Bank's reasonable control. In addition to the terms and conditions of the Savings Account, the Account Holder is deemed to have read, understood and agreed to be bound by these Terms and Conditions. In the event of any inconsistency, conflict, ambiguity or discrepancy between the English text or any other version of these Terms and Conditions, the English version shall prevail. Notwithstanding the aforementioned where request is made by the Account Holders for the Bahasa Malaysia version of the terms and conditions herein the Bank shall provide the same and allow the Account Holders to complete the relevant forms and sign the agreement relating to the Account and Rewards and Privileges herein in Bahasa Malaysia and such form and agreement in Bahasa Malaysia completed and signed shall form the basis of the contract between the Bank and the Account Holders relating to the Account and Rewards and Privileges. For information, enquiries, feedbacks and/or complaints related to the Programme, Account Holder may speak to the Bank s Call Centre representative at or Alternatively for feedbacks and/or complaints, Account Holder may choose to the Bank s Customer Resolution Department at cru@cimb.com, call the same at , write to the same addressed to Customer Resolution Department, 19 th Floor, Menara Bumiputra-Commerce, 11 Jalan Raja Laut, Kuala Lumpur or by fax to

4 Terma-Terma dan Syarat-Syarat Tambahan ( Terma-terma dan Syarat-syarat ) Bagi Ganjaran dan Keistimewaan CIMB YOUth ( Ganjaran dan Keistimewaan ) Untuk mengelakkan sebarang keraguan, Terma-terma dan Syarat-syarat di dalam ini adalah sebagai tambahan pada terma-terma dan syarat-syarat Akaun Simpanan. Oleh itu, terma-terma dan syarat-syarat Bank bagi Akaun Simpanan akan terus diguna pakai dan Terma-terma dan Syarat-syarat di dalam ini akan dianggap sebagai tambahan padanya dan tidak akan menjejaskannya. Terma-terma dan syarat-syarat yang terpakai untuk Ganjaran dan Keistimewaan yang boleh ditetapkan oleh CIMB Bank Berhad ( Bank ) dari semasa ke semasa termasuk tetapi tidak terhad kepada yang berikut: 1. Kelayakan Ganjaran dan Keistimewaan Ganjaran dan Keistimewaan ini adalah terbuka kepada pelanggan yang berumur di antara 12 tahun hingga apabila mereka mencapai umur 23 tahun yang membuka dan mengekalkan Akaun YOUth Savers ( Akaun ). Pelanggan selepas ini dirujuk sebagai Pemegang Akaun. Ganjaran dan Keistimewaan yang tersedia kepada Pemegang Akaun terdiri daripada: (a) Hadiah Aluan (b) Ganjaran Hari Lahir (c) Faedah Bonus atas Faedah Diperolehi (d) Penebusan Barangan Suku Tahunan Pihak Bank berhak dengan memberi notis yang munasabah kepada Pemegang Akaun menamatkan Ganjaran dan Keistimewaan yang disediakan di sini apabila Pemegang Akaun mencapai umur 24 tahun. 2. Hadiah Aluan Setiap Pemegang Akaun berhak menerima dengan serta-merta satu (1) Mata Ganjaran CIMB YOUth bagi tujuan Penebusan Suku Tahunan Barangan (sila rujuk kepada Klausa 5 di bawah) dengan setiap Akaun yang dibuka. Mata Ganjaran CIMB YOUth mestilah digunakan untuk penebusan dalam tempoh penebusan suku tahunan yang berikutnya. Sekiranya tiada penebusan dibuat dalam tempoh yang ditetapkan, Mata Ganjaran CIMB YOUth tersebut terbatal dan tidak boleh dibawa ke hadapan untuk digunakan dalam tempoh penebusan suku tahunan yang berikutnya. Tambahan pula, Pemegang Akaun akan menerima satu (1) hadiah aluan (yang akan ditentukan oleh Bank) bagi setiap Akaun yang dibuka dengan deposit minimum RM300. Hanya terdapat 15,000 unit hadiah aluan boleh didapati di seluruh negara. 3. Ganjaran Hari Lahir Pada suku tahunan dimana jatuhnya tarikh lahir Pemegang Akaun, Pemegang Akaun layak untuk menerima satu (1) Mata Ganjaran CIMB YOUth sebagai Ganjaran Hari Lahir untuk tujuan Penebusan Suku Tahunan Barangan. Mata Ganjaran CIMB YOUth boleh digunakan untuk penebusan semasa tempoh penebusan suku tahunan berikutnya sekiranya gagal Mata Ganjaran CIMB YOUth tersebut terbatal dan tidak boleh dibawa ke hadapan untuk digunakan semasa tempoh penebusan suku tahunan yang berikutnya. 4. Faedah Bonus atas Faedah Diperolehi Faedah Bonus atas Faedah Diperolehi ( Bonus ) dalam tahun kalendar yang relevan ditentukan pada kadar yang dinyatakan di bawah akan dikreditkan ke dalam Akaun sekiranya Pemegang Akaun mendeposit suatu amaun sekurang-kurangnya RM100 ke dalam Akaun setiap bulan melalui Arahan Pembayaran Berkala didepositkan oleh Pemegang Akaun dengan Bank ( Arahan Pembayaran Berkala Bulanan ): i. Bonus akan ditentukan pada 100% faedah pro-rata yang terperoleh untuk tahun kalendar relevan sekiranya Arahan Pembayaran Berkala Bulanan berjaya dijalankan berkenaan dengan semua bulan atau bulan-bulan yang baki (sebagai kes mungkin) bagi tahun kalendar relevan bermula dari permulaan Arahan Pembayaran Berkala Bulanan. ii. iii. Bonus akan ditentukan pada 50% faedah pro-rata yang terperoleh untuk tahun kalendar relevan sekiranya terdapat kegagalan dalam kesan atau untuk menjalankan Arahan Pembayaran Berkala Bulanan oleh Bank yang berpunca daripada keingkaran Pemegang Akaun untuk satu (1) atau dua (2) bulan berkenaan dengan semua bulan atau bulanbulan yang baki (sebagai kes mungkin) untuk tahun kalendar relevan bermula dari permulaan Arahan Pembayaran Berkala Bulanan. Bonus tidak akan diberikan sekiranya terdapat kegagalan dalam kesan atau untuk menjalankan Arahan Pembayaran Berkala Bulanan oleh Bank yang berpunca daripada keingkaran Pemegang Akaun untuk tiga (3) bulan atau lebih berkenaan dengan semua bulan atau bulan-bulan yang baki (sebagai kes mungkin) untuk tahun kalendar relevan bermula dari permulaan Arahan Pembayaran Berkala Bulanan. Pengiraan Bonus akan menjadi efektif dari bulan berkuatkuasanya Arahan Pembayaran Berkala Bulanan.

5 5. Penebusan Suku Tahunan Barangan Penebusan Suku Tahunan Barangan ( Program ) terbuka untuk penyertaan kepada semua Pemegang Akaun untuk menebus pelbagai barangan bersesuaian dengan belia. Setiap purata baki suku tahunan berjumlah RM500 yang dikekalkan di dalam Akaun akan melayakkan Pemegang Akaun untuk mendapat 1 Mata Ganjaran CIMB YOUth untuk tujuan program penebusan ini. Mata Ganjaran CIMB YOUth yang diperolehi semasa tempoh kelayakan seperti yang dinyatakan di bawah boleh digunakan untuk penebusan secara talian (online) semasa tempoh penebusan seperti yang dinyatakan didalam jadual di bawah. Mata Ganjaran CIMB YOUth yang tidak ditebus semasa tempoh penebusan suku tahunan yang berkenaan akan terbatal dan tidak boleh dibawa ke hadapan untuk digunakan semasa tempoh penebusan suku tahunan yang berikutnya. Tempoh Kelayakan Tempoh Penebusan Suku Tahun Bulan Permulaan Jangka Masa Penebusan Tarikh Akhir Jangka Masa Penebusan 1 Januari hingga Mac 9am Sabtu ke-2 April 30hb April 2 April hingga Jun 9am Sabtu ke-2 Julai 31hb Julai 3 Julai hingga September 9am Sabtu ke-2 Oktober 31hb Oktober 4 Oktober hingga Disember 9am Sabtu ke-2 Januari 31hb Januari Untuk menyertai Program, Pemegang Akaun boleh melayari ( CIMB Clicks ) dan mengikut arahan-arahan yang tertera di dalamnya. Hanya Pemegang Akaun yang sah sahaja dan memenuhi kriteria Program yang dinyatakan di atas layak untuk menyertai Program ini. Setiap Pemegang Akaun boleh menebus sehingga maksimum tiga (3) barangan atas dasar siapa cepat dia dapat ( first-come, first-served ) untuk setiap tempoh penebusan suku tahunan tanpa mengira jumlah Akaun yang dipegang oleh Pemegang Akaun dan Program ini adalah tertakluk kepada terma-terma dan syarat-syarat lain yang boleh dikenakan oleh Bank pada bila-bila masa dan dari semasa ke semasa. Semasa penyerahan Mata Ganjaran CIMB YOUth, Pemegang Akaun akan dimaklumkan serta-merta berkenaan status penebusan melalui CIMB Clicks. Barangan yang tersedia untuk penebusan dan kuantiti yang ada akan berbeza dari dari suku tahun ke suku tahun yang lain dan akan diumumkan di CIMB Clicks dan/atau CIMB YOUth Quarterly enewsletter dan/atau di Untuk terma-terma dan syarat-syarat penuh yang terpakai dalam Program ini, sila rujuk kepada terma-terma dan syarat-syarat Penebusan Suku Tahunan Barangan CIMB YOUth yang terdapat di dan 6. Penarikan Balik, Penggantungan, Penamatan, dan Penggantian Terma-terma dan Syarat-syarat dan/atau Ganjaran dan Keistimewaan Bank merizab hak dengan memberikan notis munasabah untuk mengubah, memotong atau menambah sebarang Terma dan Syarat ini atau mana-mana bahagian daripadanya pada bila-bila masa dan/atau melanjutkan, memodifikasi, menggantung, memendekkan, memberhentikan, membatalkan atau menamatkan atau menggantikan mana-mana satu atau lebih daripada satu Ganjaran dan Keistimewaan yang disebut di atas pada bila-bila masa dan tiada pampasan secara tunai atau dalam bentuk barang akan diberikan kepada Pemegang Akaun atau mana-mana orang atas sebarang atau semua kerugian atau kerosakan yang dialami atau ditanggung oleh Pemegang Akaun dan/atau mana-mana pihak lain yang diakibatkan secara langsung atau tidak langsung oleh perubahan, pemadaman, penambahan atau pindaan Terma-terma dan Syarat-syarat ini dan/atau pelanjutan, modifikasi, pembatalan, penggantungan atau penamatan Ganjaran dan Keistimewaan. Makluman kepada Pemegang Akaun tentang sebarang pindaan di atas akan dilaksanakan menurut budi bicara mutlak Bank melalui mana-mana satu cara komunikasi berikut, iaitu melalui pos biasa ke alamat Pemegang Akaun yang terakhir diketahui atau dengan menampal notis tentang pindaan tersebut di setiap satu cawangan Bank atau dengan menyiarkan iklan tentang pindaan tersebut dalam satu akhbar pilihan Bank, atau melalui laman web Bank dan pindaan tersebut akan dianggap mengikat ke atas Pemegang Akaun dari tarikh makluman pindaan tersebut atau dari sebarang tarikh lain yang boleh ditetapkan oleh Bank dalam makluman. 7. Syarat-syarat Lain Bank tidak membuat sebarang representasi atau jaminan berhubung dengan Ganjaran dan Kesitimewaan dan khususnya, tidak membuat sebarang jaminan berhubung dengan mutu Ganjaran dan Keistimewaan dan/atau perkhidmatan atau kesesuaiannya bagi apa jua tujuan. Bank tidak akan dalam apa jua keadaan bertanggungjawab atas sebarang kerugian dan/atau kerosakan yang ditanggung oleh Pemegang Akaun atau mana-mana pihak lain yang berbangkit daripada dan/atau berhubung dengan Ganjaran dan Keistimewaan atau perkhidmatan yang diberikan di bawah Ganjaran dan Keistimewaan, meskipun jika Bank telah dimaklumkan sebelum itu tentang kemungkinan kerugian dan/atau kerosakan tersebut, dan semua kerugian dan/atau kerosakan sedemikian dikecualikan dengan nyata. Bank merizab hak menurut budi bicara tunggalnya untuk menyingkirkan mana-mana individu yang dianggapnya telah mengganggu proses penyertaan atau operasi Ganjaran dan Keistimewaan, atau bertindak memungkiri atau berpotensi memungkiri Terma-terma dan Syarat-syarat ini.

6 Bank tidak menjamin bahawa Ganjaran dan Keistimewaan tidak akan mengalami gangguan dan/atau kesilapan. Apabila layak menyertai Ganjaran dan Keistimewaan ini, Pemegang Akaun dengan ini mengakui dan dengan tak boleh batal bersetuju bahawa Bank tidak akan dalam apa cara jua bertanggungjawab atas sebarang gangguan dan/atau sebarang kesilapan berbangkit daripada Ganjaran dan Keistimewaan. Pihak Bank tidak akan menanggung liabiliti atau bertanggungjawab kepada Pemegang Akaun dalam apa cara sekalipun jika pihak Bank tidak mampu untuk melaksanakan mana-mana kewajipannya yang disenaraikan di sini atas apa jua sebab termasuk tetapi tidak terhad kepada ketidakupayaan yang disebabkan samada secara langsung atau tidak langsung oleh mana-mana bencana alam, pertikaian perindustrian, peperangan, mogok, rusuhan, atau apa pun yang di luar kawalan munasabah pihak Bank. Di samping terma-terma dan syarat-syarat Akaun Simpanan, Pemegang Akaun dianggap telah membaca, memahami dan bersetuju terikat oleh Terma-terma dan Syarat-syarat ini. Sekiranya terdapat ketidakselarasan, konflik, kesamaran atau percanggahan di antara versi di antara versi Bahasa Malaysia dan versi Bahasa Inggeris Terma dan Syarat ini, versi Bahasa Inggeris Terma dan Syarat akan digunakan. Walaupun bagaimanapun yang tersebut sebelumnya, di mana permintaan dibuat oleh Pemegang Akaun untuk terma dan syarat versi Bahasa Malaysia yang terkandung di sini, Bank akan menyediakan yang tersebut dan membenarkan Pemegang-pemegang Akaun untuk melengkapkan borang-borang yang relevan dan menandatangani perjanjian yang berkaitan dengan Akaun dan Ganjaran dan Keistimewaan di sini di dalam Bahasa Malaysia dan borang dan perjanjian tersebut di dalam Bahasa Malaysia yang dilengkapkan dan ditandatangani akan membentukkan dasar kontrak di antara Bank dan Pemegang Akaun berkaitan dengan Akaun dan Ganjaran dan Keistimewaan. Untuk maklumat, pertanyaan, maklum balas dan/atau aduan berkaitan dengan Program ini, Pemegang Akaun boleh bercakap dengan Wakil Pusat Panggilan Bank di atau Secara alternatif bagi maklum balas dan/atau aduanaduan, Pemegang-pemegang Akaun boleh memilih untuk menghantar e-mel kepada Unit Resolusi Pelanggan Bank di cru@cimb.com, berurus dengan yang sama di atau menulis kepada yang sama dan dialamatkan kepada Unit Resolusi Pelanggan, 19 th Floor, Menara Bumiputra-Commerce, 11 Jalan Raja Laut, Kuala Lumpur atau secara faks kepada

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