Sum of daily end day balances throughout the Campaign Period since account opened. Number of days of the Campaign Period since account opened

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1 Terms & Conditions for Save with Hero Campaign The Save with Hero ( Campaign ) is organised by Malayan Banking Berhad ( Maybank ) and shall be governed by the Terms & Conditions herein. The Campaign shall be held from 1 February 2019 to 31 July 2019 (both dates inclusive) unless notified otherwise ( Campaign Period ). Eligibility 1. The Campaign is open to both new and existing Maybank Current Account and Savings Account holders (who may consist of individuals and joint account holders)( Eligible Participants ) of the following accounts ( Participating Accounts ):- i) Basic Savings Account ii) Kawanku Savings Account iii) Personal Savers Account iv) Maybank2u.Premier Account 2. For joint accounts, the Eligible Participant will be the primary account holder. 3. Employees of Maybank are not eligible to participate. Campaign Offerings and Mechanics A. Account Opening Cash Back 4. By opening any Participating Account, the Eligible Participant will automatically stand a chance of winning cash back prize of RM100 ( Cash Back Prize ). 5. To qualify, an individual would need to open any Participating Accounts (with minimum RM1,000 initial deposit) in order to qualify as an Eligible Participant. The Eligible Participant would have to maintain a minimum RM1,000 Average Daily Balance ( ADB ) (as defined in Table 1.0 below) in the newy opened Participating Account throughout the Campaign Period. Failure to do so will result in the Eligible Participant being disqualified and not be considered for the Cash Back Prize. ADB = Sum of daily end day balances throughout the Campaign Period since account opened Number of days of the Campaign Period since account opened Table For every RM1,000 ADB in the Participating Account at the end of the Campaign Period, Eligible Participant will earn one (1) entry Cash Back Prize winners will be randomly selected via Maybank s randomizer programme from the pool of Eligible Participants after Campaign Period and will win RM100, which will be duly credited into their winning account. B. Bonus Interest 8. New and existing accountholders who increase their monthly ADB by a minimum of RM3,000 and have minimum month end balance of RM3,000 will earn 0.20% p.a. bonus interest. 9. The 0.20% p.a. bonus interest will be calculated on the monthly incremental ADB of RM3,000 up to a maximum of RM100,000. 1

2 10. The ADB for new and existing accountholders are defined as below:- i. New Participating Account: For Participating Accounts opened during the Campaign Period, the ADB for the respective month in which the account was opened is determined by computing the sum of every day-end balance from the day the said Participating Account was opened to the last of calendar month divided by the number of participating days in that month. ii. Existing Participating Account: For Participating Accounts opened before the Campaign Period, the ADB for the respective month is determined by computing the sum of every day-end balance in the Account in the relevant calendar month divided by the number of participating days in that month. 11. The baseline for new and existing accountholders are as below:- i. New accountholders : Baseline = 0 ii. Existing accountholders : Baseline = ADB of January Monthly Incremental ADB is defined as below:- i. Monthly Incremental ADB in the Account refers to the difference in the ADB during the Campaign Period as compared to the ADB in the Account for the month of January 2019 ( Baseline ). ii. Monthly Incremental ADB must be a minimum of RM3,000 and a maximum of RM100, Formula for Bonus Interest Rate calculation is as follows:- Monthly Incremental ADB x 0.20% x No. of Participating Days/^Number of Days in a Year ^Leap year = 366 days, Non-leap year = 365 days 14. Treatment of Eligible Participants with multiple accounts of same product (e.g. an Eligible Participant with two(2) Basic Savings Account) will be as follows: i. Bonus interest will be paid to the Account with the highest monthly incremental ADB. ii. If there is a tie in the monthly incremental ADB amount amongst 2 or more accounts held by an Eligible Participant, the bonus interest will be paid to the latest account opened. 15. As for Eligible Participants with multiple products (e.g. an Eligible Participant with one Basic Savings Account & one Kawanku Savings Account), bonus interest will be paid to all participating products that meet the criteria. 16. Other conditions pertaining to Bonus Interest are as follows:- i) Only active Accounts shall be eligible for this Campaign. Dormant accounts will not be considered. ii) Bonus interest will be credited to the Account(s) within 60 days of the following month or on such other date as determined by the Bank. iii) Eligible Participants who close their accounts before the crediting of bonus interest shall not be entitled for the said bonus interest of the relevant month under this Campaign. iv) Eligible Participants may be eligible for the bonus interest for one calendar month, but may not be eligible for bonus interest any other months due to the non-fulfilment of any of the eligibility criteria for bonus interest. iv) Eligible Participants/Accounts with the below status tag will not be entitled for the bonus interest:- (a) Legal Block (b) AMLATFA (c) Debit not accepted (d) Account overdrawn v) The bonus interest will cease to be offered once the campaign target has been reached. C. Prizes 17. Eligible Participants who have incremental ADB of minimum RM5,000 throughout the campaign period and have minimum balance of RM5,000 as at 31 st July 2019 will earn entries for a chance to win prizes. 2

3 18. Every RM5,000 incremental ADB in the Participating Account at the end of the Campaign Period will amount to one(1) entry. 19. The baseline used will be the ADB of January The incremental ADB refers to the difference in the ADB during the Campaign Period as compared to the ADB in the account for the month of January The prizes offered are as follows:- Prize Category Grand Prize Consolation Prize Prize Holiday Tour to New York for 2 people which includes the following: Roundtrip flights for two (2) adults from Kuala Lumpur to New York Transfers from New York airport/hotel/airport included 4 nights at a 4-star Hotel, with breakfast each morning New York CityPass with Top of the Rock and Empire State Building observation deck and more New York Superheroes Tour! See Superheroes at Madame Tussauds Meal at Planet Hollywood Tony Stark s recommendation: Dinner at King of Falafel & Shawarma Travel insurance Winners Special Edition Backpack A total of 303 prize winners will be selected via Maybank s randomizer programme from the pool of Eligible Participants after the campaign period. 23. The Grand Prize EXCLUDES the following (this list is not exhaustive): i) Travel Visa and other travel related expenses. ii) Long distance phone calls, room service, laundry, mini bar items, room service, loss of hotel property, damage to hotel property, or any other expenses incurred in the hotel. iii) Personal expenses unrelated to the scheduled program (including but not limited to extension of stay, shopping, transportation to destinations which are not part of the tour, food expenses aside from scheduled meals and telecommunication charges. iv) Any personal tax that may be levied by Grand Prize Supplier on the Winner with respect to their receipt of the Grand Prize or any part thereof. 24. Other conditions pertaining to prizes are as follows:- i) A confirmation letter will be sent to Grand Prize winners at his/her billing address recorded in Maybank s system within ten (10) weeks after the winner selection takes place. ii) iii) Grand Prize s redemption details will be elaborated in the confirmation letter. DJP Marketing & Promotions Ltd. is the supplier of the Grand Prize ( Travel Agent ). DJP Marketing & Promotions Ltd. is a company registered in the United Kingdom (Company Registration No ) having its registered address at 107 Bell Street, London NWIJTL, England. iv) Upon being notified of the winning, the Grand Prize Winner must travel within eight (8) months of winning of the Grand Prize. The Grand Prize Winner will be requested to provide 3

4 three (3) separate dates of preferred travel period to Maybank s appointed Travel Agent, and the Travel Agent will work towards fulfilling at least one of the preferred period of travel provided by the Grand Prize Winner. The Grand Prize Winner who fails to travel within eight (8) months from the winning date, shall no longer be entitled to his/her Grand Prize and the Grand Prize shall be deemed forfeited. v) The Grand Prize Winner will be required to nominate one (1) travel companion ( nominated passenger ) to travel together with the Grand Prize winner. vi) vii) viii) The Grand Prize winner must confirm his/her travelling dates and the issuance of his/her flights tickets with the nominated passengers details within sixty (60) working days from the first point of contact by Maybank. The Grand Prize Winner must give at least sixty (60) days notice prior to their requested departure date. At least one (1) person travelling must be at the age of 18 or above at the time of travel. ix) Grand Prize Winner and nominated passenger must be in possession of a valid passport of five (5) years and must have a minimum of eight (8) months validity left prior to the travel date. x) All entry visas, Electronic System for Travel Authorization (ESTA) forms, and/or other relevant travel documents are the sole responsibility of the winner and nominated passenger. This includes but not limited to cost(s) of visa application(s), if applicable. xi) xii) xiii) xiv) xv) xvi) xvii) xviii) xix) Grand Prize is subject to availability and blackout dates will apply. Blackout dates may include peak Christmas, Easter, New Year and summer/winter holidays. Issuance of flight tickets is subject to the relevant Airlines policy and any other general terms and conditions applicable to the flight tickets. Such terms and conditions shall be determined by the Airlines at their sole and absolute discretion and Maybank shall not be held responsible for the terms and conditions in respect of the flight tickets. Any taxes levied on the flight by relevant government authorities shall be the sole responsibility of the Grand Prize Winner and nominated passenger, where applicable. Unless otherwise stated in the package, all other costs including meals and general spending money are the responsibility of Grand Prize Winner (and the nominated passenger). The nominated passenger is required to travel together with the Grand Prize Winner from Kuala Lumpur to New York City, New York on the issued economy class return flights. The nominated passenger is not allowed to delay their travel or travel separately without the Grand Prize Winner. Names of the nominated passenger shall be final and cannot be changed after the flights, hotel accommodation, travelling dates and names of the persons travelling have been confirmed by the Grand Prize Winner to Travel Agent in writing. Hotel accommodation provided will be based on two (2) adults sharing room. The Grand Prize is given on an As is basis, which is non-refundable, non-transferable, nonexchangeable for cash or other kinds, whether in part or in full. In the unlikely event that the Grand Prize (or part of it) should become unavailable (due to a force majeure or any other reasons not within the control of Maybank including but not limited to element(s) of the Grand Prize not being suitable for the Grand Prize Winner, the Grand Prize Winner hereby agrees that Maybank may substitute the Grand Prize with a prize of equal value (the price and value) of which is to be determined by Maybank. 4

5 xx) The Walt Disney Company and its parents, affiliates and subsidiaries are not responsible for the promotion, administration or execution of this contest. General 25. An Eligible Participant who closes his/her account(s) before the selection of Winner is completed and announced shall not be entitled to receive any Prizes under the Campaign. 26. Only active Participating Accounts shall be eligible. Participating Accounts that are in dormant status shall not be considered. 27. The Bank s decision on all matters relating to the Campaign shall be final, conclusive and binding. No further correspondence, appeals, protests or attempts to dispute of the same shall be entertained in any event. 28. The Bank reserves the right to substitute the prizes offered for an alternative of similar value (value of which to be decided by Maybank) for any reason Maybank deems fit. 29. Winners may be required to attend Prize presentation ceremony and other public programmes as and when required. 30. All Winners names will be published in the maybank2u.com website and/or any other method of communication that the Bank shall deem fit. 31. Picture(s) of the prizes shown in any advertisement, promotion and other publicity materials relating to or in connection with the Campaign is/are solely for illustration purposes only and may not depict the actual colour, model or specification of the Prize(s). 32. All Prizes for the Campaign will be presented within three (3) months after the announcement of the winners is made on the Maybank2u.com website and any other method of communication. 33. All Prizes are given on and As Is basis and are neither transferable nor exchangeable and are subject to the Terms and Conditions stated herein and any Prizes left unclaimed for three (3) months after the notification and announcement of Winners via the Maybank2u.com website will be forfeited. 34. Cashback prizes shall be credited into the Winner s winning account. The winning account must remain open, active and valid during the cashback prize crediting day, failing which winners shall be disqualified and their prizes forfeited. 35. Maybank shall not be responsible or held liable in any manner whatsoever with respect to technical failures of any kind whatsoever, intervention, interruptions, electronic and/or human error in the administration and/or processing of the transaction performed via the website and/or the determination of the participants eligibility for the Prize. 36. Maybank reserves the right to withdraw, cancel, suspend, extend or terminate this Campaign earlier in whole and/or in part and reserves the right to modify any of the terms and conditions contained herein, from time to time by giving minimum of twenty one (21) days prior notice thereof, the notice of which shall be posted through Maybank2u website at or through any other channel(s) that Maybank may deem as appropriate. 37. By participating in this Campaign, Eligible Participant agrees to access thr Maybank website at on a regular basis to view the terms and conditions herein and to ensure that they are kept-up-to-date with any changes or variations made to the terms and conditions herein. 38. For the avoidance of doubt, any alteration, shortening, cancellation, suspension or termination done by Maybank shall not entitle the Eligible Participant or any other third party to any claim or compensation against Maybank for any losses and/or damages suffered or incurred as a direct or indirect result of said act of alteration, shortening, cancellation, suspension or termination. 5

6 39. By participating in this Campaign, Eligible Participant agrees to be bound by the Terms and Conditions herein set forth including any amendment thereto. 40. In no event shall Maybank nor any of its officers, servants, employees, representatives and/or agents (including without limitation, any third party service providers engaged by Maybank for the purposes of this Campaign) be liable to the Eligible Participants in this Campaign for any direct, indirect, special or consequential loss and/or damage (including but not limited to, loss of income, profits or goodwill) arising from or in connection with this Campaign. 41. Maybank shall not be liable for any default of its obligation under this Campaign due to any force majeure event which includes but not limited to an act of God, war, riot, lockout, industrial action, fire, flood, drought, storm or any event beyond the reasonable control of Maybank. 42. Maybank may at its sole and absolute discretion disqualify/reject any Eligible Participant who does not comply with the terms and conditions stated herein and/or is found or has been suspected of tampering with the Campaign and/or its process or the operation of this Campaign. Tampering shall include fraudulent activities involving any act of deceit and/or deception and/or cheating with regards to the Campaign. 43. By participating in this Campaign, Eligible Participants agree and consent to their personal data being collected, processed and used by Maybank in accordance with Maybank s Privacy Notice, which may be viewed on Maybank s website at ( Maybank s Privacy Notice ). 44. Eligible Participants also agree and consent to such details (including but not limited to personal data or information) being processed and used by Maybank for: (i) the purposes of the Campaign; (ii) marketing and promotional activities conducted in such manner as Maybank deems fit in any media including but not limited to any form of advertising or publicity media and materials such as audio and/or visual recordings published through newspapers, television networks, radio stations or online and digital media and on the Internet, without further express consent from the Eligible Participant. Marketing and promotion activities include without limitation the use and/or publication of any details provided in and/or in connection to the entries, interviews material as well responses and related photographs. In this regard, each Eligible Participant agrees to co-operate and participate without further express consent and/or payment or consideration, in all reasonable advertising and publicity activities of Maybank in relation to the Campaign. 45. These Terms and Conditions shall be governed by the Laws of Malaysia and subject to the exclusive jurisdiction of the Courts of Malaysia. 6