WIN A HOLIDAY CAMPAIGN ( WAH! ) Terms and Conditions

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1 WIN A HOLIDAY CAMPAIGN ( WAH! ) Terms and Conditions 1. WIN A HOLIDAY ( WAH! )( Campaign ) is organized by Yayasan Ihsan Rakyat ( YIR ). 2. Eligibility 2.1 This Campaign is open to all new and existing customers of YIR who meet all the following criteria ( Eligible Customers ):- a) Whose financing facility(ies) is approved, accepted and disbursed in a single application during the Campaign period, and; b) Whose account(s) is active, performing and not in default. 2.2 YIR reserves the right to decline any customers eligibility for the Campaign for any reason whatsoever as YIR may, in its absolute discretion, deem fit and the customer shall have no recourse against YIR. 2.3 Without limiting the foregoing, the following customers are excluded from the scope of Eligible Customers and are not eligible to participate in this Campaign:- a) Customers who have committed or are suspected of committing any fraudulent or wrongful acts in relation to any of the facilities granted by YIR; b) Persons who are or have become mentally unsound, deceased, adjudicated bankrupt or have legal proceedings of any nature instituted against them. 3. Campaign Period 3.1 This Campaign commences on 1 November 2018 and ends on 31 January 2019 ( Campaign Period ), both dates inclusive. 3.2 The Eligible Customer(s) will be placed to participate in this Campaign automatically if he/she fulfills the Eligibility Criteria. The Eligible Customer(s) is not required to sign up or fill up any application form to participate in this Campaign. 3.3 There shall be two (2) categories of prizes, namely: (i) (ii) Grand Prize; and Consolation Prize. The details of each of the prizes are set forth in Section Number of Entries Grand Prize 4.1 In order to be in the running for the Grand Prize, the Eligible Customer must have

2 received a minimum financing from YIR in the amount of RM18,000 and above and such financing must be disbursed in a single application, during the Campaign Period. In the event an Eligible Customer submits more than one application for financing with YIR during the Campaign Period, the second or further applications are also entitled to earn entries as per Section 4.2 below, subject to the other terms and conditions herein. 4.2 The number of Entries an Eligible Customer may place to be in the running for the Grand Prize shall be earned based on the following:- DESCRIPTION FINANCING AMOUNT NUMBER OF ENTRY(IES) Personal Financing Minimum RM18,000 1 entry for every RM1,000 Illustration: SCENARIO PERSONAL FINANCING NUMBER OF ENTRY(IES) AMOUNT Customer A RM15,000 0 Customer B RM18, Customer C RM25, Consolation Prize 4.3 There is no minimum financing amount required to be taken up by the customer in order to be in the running for the Consolation Prize. Each financing facility taken up by an Eligible Customer with YIR will be entitled to one (1) entry. DESCRIPTION FINANCING AMOUNT NUMBER OF ENTRY(IES) Personal Financing Any financing amount 1 entry 5. Winner Selection Process Grand Prize 5.1 The shortlisting of Grand Prize entries will be done on a monthly basis and announced by the 15th of each following month (15 th December 2018, 15 th January 2019 and 15 th February 2019 respectively) and the shortlisted entries will be informed either in writing, SMS or telephone. 5.2 The entries will be shortlisted in accordance with YIR s automated selection process.

3 5.3 The Eligible Customer(s) whose entry has been shortlisted ( Shortlisted Customer ) will be contacted by YIR s representatives at the telephone numbers recorded in YIR s system. Such telephone calls may take place at any time during the Campaign Period and up until 15 February 2019, during office hours. 5.4 The Shortlisted Customer(s) will be required to answer one (1) question. The Shortlisted Customer will be deemed as the winner of the Grand Prize if he/she is able to answer the question correctly. 5.5 If the Shortlisted Customer is unable to answer the question correctly in a single try, the next Shortlisted Customer will be contacted to answer the question. 5.6 In the event the Shortlisted Customer is not contactable after three (3) attempts on the same day or the Shortlisted Customer indicates his/her intention to withdraw from the Campaign upon being contacted by YIR s representative, he/she shall be disqualified from this Campaign. Consolation Prize 5.7 The first 120 Eligible Customers whose financing facility is disbursed (in a single application) during each month of the Campaign Period will receive a Consolation Prize. A maximum of 120 Consolation Prizes will be given out each month during the Campaign Period. 6. Prizes 6.1 The Prizes for this Campaign are as follows:- NO. CATEGORIES PRIZES 1 GRAND PRIZE 2 CONSOLATION PRIZE 4D3N HOLIDAY PACKAGE TO BANGKOK, THAILAND FOR 2 PERSONS RM20 PRE-LOADED TOUCH N GO CARD NO. OF WINNER(S) monthly 6.2 Each Eligible Customer is allowed to win a maximum of one (1) Grand Prize and/or one (1) Consolation Prize only throughout the Campaign Period. 6.3 The travel redemption period for the Grand Prize(s) shall be between 1 February 2019 until 31 July 2019.

4 6.4 Pictures of the Prize(s) shown in any advertisement, promotional, publicity and other materials relating to or in connection with this Campaign are solely for illustration purposes only. 6.5 For any dispute in relation to the quality or warranty of the Prizes or any terms and conditions in respect thereof, the Winners shall directly deal with the authorized merchant/travel agency who will be identified to the winners upon redemption of the Prizes. YIR shall not be held responsible or liable for any breach of quality or warranty of the Prizes or any other terms and conditions in respect thereof. 6.6 In respect of the Grand Prize, the following terms shall apply:- (i) The Grand Prize shall exclude any insurance, room service, local authorities duty/ taxes (including any applicable sales and service tax), tipping, shopping, and all other expenses that are not expressly stated as included in the Grand Prize. Winners shall be responsible for any additional costs, duties, taxes (including any applicable sales and service tax) and/or other incidental expenses, which may be incurred as a result and/or related to their acceptance of the Prizes. (ii) The Prize cannot be used on blackout dates and selected dates as determined by the appointed merchant/travel agency. The blackout dates are subject to change without prior notice, and to be confirmed with the merchant/travel agency upon making reservation. (iii) In the event YIR and/or the merchant/ travel agency is unable to supply the same trip as described herein due to reasons which include but not limited to any fire, earthquake, flood, lighting, tsunami, epidemic, natural disaster, accident, riot, civil disturbance, industrial dispute, act of terrorism, embargo, war, act of God, or any circumstances in the nature of a force majeure, that is, an unforeseeable event that prevents from the redemption of the Grand Prize, YIR reserves the right to substitute the Grand Prize with another trip to other destinations at its sole and absolute discretion, with prior notice by telephone or any other methods as it deems fit. 7. General Terms and Conditions 7.1 By participating in this Campaign, Eligible Customers agree to be bound by these terms and conditions and the decisions of the organizers (YIR) and the judges. 7.2 The records of transactions maintained by YIR in respect of the financing amounts undertaken by the Eligible Customer(s) and the final list of the Winners selected shall be final and conclusive.

5 7.3 YIR reserves the rights to select additional winner(s) to substitute any winner(s) who may be ineligible or disqualified for any reason whatsoever throughout the Campaign Period. 7.4 The decision on all matters relating to this Campaign shall be final, conclusive and binding and YIR shall not be obliged to give any reasons or enter into any correspondence with any person(s) on any matter concerning this Campaign. 7.5 YIR reserves the right to publish and display the names, photograph and/or audio video of the Winners in any mass media or marketing materials for advertising and publicity purposes without compensation and these terms and conditions shall serve as prior notice. By participating in this Campaign, the winners hereby consent and agree to the use and publication of his name, photograph and/or audio video as detailed in this section. 7.6 The Winners shall not be entitled to any cash compensation, benefits or substitution in any form whatsoever in lieu of the Prizes. 7.7 YIR reserves the right to forfeit the Prizes awarded if the winners do not comply with any of the terms and conditions herein. 7.8 YIR reserves the right to withdraw, cancel, suspend, extend or terminate this Campaign earlier in whole or in part, or to vary, delete or add any of the terms and conditions herein at any time at its absolute discretion notice via YIR s website at: In the event of conflict between the English and Bahasa Malaysia version of these terms and conditions, the English version shall prevail These terms and conditions are governed by the laws of Malaysia, and eligible applicants shall be deemed to have agreed to submit to the exclusive jurisdiction of the Malaysian Courts. 1 November 2018 END