TERMS AND CONDITIONS CIMB-IKEA Festive Spend and Win IKEA Gift Card Campaign (1 December February 2018)

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1 TERMS AND CONDITIONS CIMB-IKEA Festive Spend and Win IKEA Gift Card Campaign (1 December February 2018) The Campaign 1) The CIMB-IKEA Festive Spend and Win Gift Card Campaign ( this Campaign ) is organised jointly by CIMB Bank Berhad (13491-P) ( CIMB Bank ) and Ikano Handel Sdn Bhd ( K) ( IKEA ), and shall run from 1 December, 2017 to 28 February, 2018 both dates inclusive ( the Campaign Period ). 2) CIMB Bank reserves the right to change the duration and/or the commencement and/or expiry dates of the Campaign Period by giving fourteen (14) calendar days prior notice. Eligibility Criteria 3) This Campaign is open to all principal cardholders of CIMB Bank debit card, credit card and/or prepaid card issued in Malaysia (except for CIMB Bank s Platinum Business Cardholder and CIMB Bank s Fuel Tanker Cardholder) ( Participating Cards ) and whose mobile number(s) is (i) registered with Maxis, Celcom, Digi or U-Mobile telecommunication service providers ( Telecommunication Service Providers ) and (ii) maintained in CIMB Bank s record ( Eligible Participants ). 4) The following categories of persons shall NOT be eligible to participate in this Campaign:- a. Sole-proprietorships, Partnerships, Charitable/Non-profit Organizations/Societies, Corporate and Commercial Customers; b. Permanent, contract and/or temporary staff or employees of CIMB Bank and Ikano Handel Sdn Bhd ( IKEA Malaysia ) (including its subsidiaries and related companies) and their immediate family members (i.e. spouses, children, parents, brothers and sisters); and c. Representative and/or agents (including advertising and promotion agents) of CIMB Bank, VISA Worldwide Pte. Limited ( VISA ) and MasterCard Worldwide ( MasterCard ) (including their respective subsidiaries and related companies); d. Representative and/or agents (including advertising and campaign agents, 3 rd party vendors and service providers) of CIMB Bank (including their respective subsidiaries and related companies) and their permanent and/or contract employees and their immediate family members (i.e. spouses, children, parents, brothers and sisters); and e. Individuals below the age of 18 years.

2 Campaign Mechanics Qualifying Criteria 5) To participate in this Campaign, the Eligible Participants must spend a minimum of Ringgit Malaysia Five Hundred (RM500.00) on Eligible Retail Spending Transactions (as defined in Clause 6) reflected in a single receipt at IKEA stores in Malaysia using the Participating Cards (including supplementary cards issued thereunder) during the Campaign Period ( Spend Requirement ), subject always to Clauses 6, 7, 8, 9 and Clause 10 of these terms and conditions: Eligible Retail Spending Transactions 6) Eligible Retail Spending Transactions mean purchase transactions for goods and services at IKEA Malaysia and shall not include betting or gaming transactions. For the avoidance of doubt the following transactions are also herein expressly excluded and shall not be treated as Eligible Retail Spending Transactions for purposes of this Campaign:- a. Transactions made at IKEA Malaysia via CIMB s Platinum Business Card and CIMB Fuel Tanker Card; b. Quasi Cash transactions i.e. transactions involving payout or award in cash (example: betting and/or gaming transactions); c. Purchase transactions which are subsequently cancelled or refunded, disputed, unauthorized or fraudulent transactions. 7) Any determination by CIMB Bank as to what constitutes Eligible Retail Spending Transactions referred to in Clause 6 shall be conclusive and shall not be challenged in any manner whatsoever unless the same appears as grossly unfair or unjust. 8) Subject to the terms and conditions herein, the Eligible Retail Spending Transactions referred to in Clause 6 is based on the total consolidated and aggregate amount spent using the Eligible Participant s Participating Cards (including supplementary cards issued there under). Campaign Mechanics 9) Every RM500 Eligible Retail Spending Transaction in a single receipt that is posted to the Eligible Participants Participating Card account by 5 th March, 2018 would entitle the Eligible Participants to one (1) entry to win the Prizes (as defined herein) ( Qualified Entry(ies) ). For clarity, cumulative/combined receipts will not be considered as fulfilling the Spend Requirement (as defined in Clause 5 of these terms and conditions) and will not entitle the Eligible Participants to earn Qualified Entry(ies).

3 Example: On 15 December 2017, Customer A bought a table at IKEA Malaysia (valued at RM1,500) will be entitled to three (3) Qualified Entry(ies). On 20 December 2017, Customer A bought another chair at IKEA Malaysia (valued at RM800) will be entitled to another one (1) Qualified Entry(ies). In total, Customer A has earned and accumulated four (4) Qualified Entry(ies) during the Campaign Period. 10) For avoidance of doubt, the Qualified Entry(ies) earned from the supplementary Participating Card will be combined with the Qualified Entry(ies) earned from the principal Participating Card for the purpose of this Campaign. Winner Selection Process & Prizes 11) Subject to these terms and conditions, Eligible Participants shall only earn and accumulate Qualified Entry (ies) starting from the first day of this Campaign until the end of this Campaign Period. At the end of this Campaign Period, the Eligible Participants shall be randomly selected by an automated selection system based on the Qualifying Entry(ies) earned by the Eligible Participants during the Campaign Period ( Selection Process ). The winners list will be posted on CIMB Bank s website at within 12 weeks after the end of the Campaign Period. 12) The following prizes shall be available to the selected winners of this Campaign:- Winner 1x Grand Prize 1x 2 nd Prize 1x 3 rd Prize 50x Consolation Prizes Prize RM 3,000 IKEA Gift Card RM 2,000 IKEA Gift Card RM 1,000 IKEA Gift Card RM 200 IKEA Gift Card Collectively referred to as the Prize(s). Note: The IKEA Gift Card shall be subject to the terms and conditions of IKEA Malaysia available on its website at which are separate from the terms and conditions herein. CIMB Bank s privacy policy will cease to apply when the Eligible Participant(s) enter into third party website (CIMB Group Privacy Notice is available at This website address/link is provided for the Eligible Participant(s) convenience only and shall not be considered or construed as an endorsement or verification of such linked website or its contests by CIMB Bank. CIMB Bank makes no warranties and representations as to the status or accuracy of this link or information contained in the above mentioned website.

4 Grand Prize, Second Prize and Third Prize Winners 13) The potential winners of the Grand Prize, Second Prize and Third Prize selected through the Selection Process (as stated in Clause 12 of these terms and conditions) will be contacted by CIMB Bank via telephone at their mobile number maintained with CIMB Bank within twelve (12) weeks after the end of the Campaign Period and shall be required to answer one (1) question correctly before being declared as the winner of the Grand Prize, Second Prize and Third Prize. 14) If the first attempt to call the first identified potential winner of the Grand Prize fails, i.e. due to reason such as no answer to the call, telephone number not in service, no connection or any other reasons, another two (2) attempts will be made to call the potential winner of the Grand Prize. Where the third attempt is unsuccessful, the next potential winner of the Grand Prize selected through the Selection Process (as stated in Clause 12 of these terms and conditions) will be contacted. 15) If the next potential winner of the Grand Prize fails to answer the question correctly or the attempt by CIMB Bank to call the next potential winner of the Grand Prize fails for whatever reason, this potential winner of the Grand Prize will be disqualified and CIMB Bank will identify the next potential winner of the Grand Prize selected through the Selection Process (as stated in Clause 12 of these terms and conditions) until the winner of the Grand Prize, Second Prize & Third Prize has correctly answered the question via telephone call from CIMB Bank. Consolation Prizes Winner 16) A notification via Short Messaging System ( SMS ) will be sent once to the potential winner(s) of the Consolation Prizes selected through the Selection Process (as stated in Clause 11 of these terms and conditions) and they are required to answer a question sent via the SMS to the mobile numbers maintained in CIMB Bank s records. 17) The potential winner of the Consolation Prizes will be required to reply the SMS with the correct answer within two (2) days from the date the SMS is sent to them. The deadline (i.e. date and time) to answer the question will also be specified in the SMS. 18) The first 50 potential winners of the Consolation Prizes selected through of the Selection Process (as stated in Clause 11 of these terms and conditions) who has replied with the correct answer will be selected as winners of the Consolation Prizes and will be notified with a SMS from CIMB Bank. 19) In the event the potential winner of the Consolation Prizes fails to answer correctly or does not reply to the SMS within the given deadline, he/she will be disqualified and will not be entitled to win the Consolation Prize and the Consolation Prize will be forfeited. The forfeited prize will not be given to the next potential winner.

5 Other Terms 20) For the avoidance of doubt, the standard telecommunications charges for the SMS response will apply and shall be borne by the Eligible Participants. 21) All questions and answers will be judged and decided by a panel of judges selected by CIMB Bank and the decisions of the panel judges selected by CIMB Bank shall be final and binding unless the same appears to be grossly unfair or unjust. 22) At the time of selecting the winners, the Participating Cards account of the selected Eligible Participants MUST be in good standing and the Eligible Participants MUST NOT be in breach of any of the terms and conditions governing the Participating Cards or delinquent, and/or be invalid or cancelled within CIMB Bank s definition, otherwise they will be disqualified from participating or being the winner(s) of the Prize(s). 23) Each Eligible Participant is eligible to win only one (1) Prize(s) under this Campaign. For the avoidance of doubt, only the Eligible Participants who are the principal cardholders are entitled to win one (1) Prize(s) under this Campaign. The Prize(s) is not transferable to another person including the supplementary cardholder of the Participating Cards. 24) The Prizes will be sending to the winners correspondence address which maintained in CIMB Bank s record within 12 weeks after the end of the Campaign Period. 25) CIMB Bank reserves the right to forfeit any Prize(s) won and disqualify the Eligible Participants in the event of a reversal of transactions or cancellation or termination of the transactions and/or Participating Cards during the Campaign Period and/or failure to comply with any terms and conditions herein. General Terms and Conditions 26) By participating in this Campaign, the Eligible Participants are deemed to have read, understood and agreed to be bound by these Terms and Conditions and the decisions of CIMB Bank. 27) The winners of the Prize(s) under this Campaign agree and authorise CIMB Bank to disclose the winners details (including but not limited to name, NRIC number, telephone number and address) to the distributor/agent who would then contact the winners regarding the delivery or redemption of the Prize(s). The winners are responsible to make the necessary arrangements with CIMB Bank and/or /distributor/agent to collect or redeem their Prize(s). CIMB Bank will not bear any accommodation and/or transportation and/or other cost that the winners may incur or have to incur in the course of redeeming or using the Prizes.

6 28) It shall be the Eligible Participants responsibility to ensure that the correspondence address and mobile telephone number provided and maintained in CIMB Bank s records are current and updated. CIMB Bank reserves the right to forfeit the Prize(s) in the event the Eligible Participants mobile number maintained in the CIMB Bank s record is invalid and/or not updated. 29) CIMB Bank reserves the right upon giving prior notice of twenty one (21) calendar days to vary (whether by addition, deletion, modification, amendment or otherwise howsoever) ( Amendment ) any of the terms and conditions herein. Notification to the Eligible Participants in respect of the Amendment, cancellation, termination, suspension of this Campaign or any other notices to be given by CIMB Bank to the Eligible Participants under this Campaign shall be effected at CIMB Bank s absolute discretion through any one of the following means of communication, namely, by posting a notice regarding the Amendment at each of CIMB Bank s branches or via CIMB Bank s website or by any other means of notification which CIMB Bank may select and the Amendment shall be deemed as binding on the Eligible Participants as from the date of notification of the Amendment or from such other date as may be specified by CIMB Bank in the notification. Eligible Participants acknowledge and agree to access CIMB Bank s website at regular intervals to view these Terms and Conditions and to ensure that he/she is kept up-to-date with any changes or variations to these terms and conditions. 30) No compensation in cash or any kind whatsoever shall be given to the Eligible Participants arising from such variation, deletion, addition or alteration of these terms and conditions and/or the extension, modification, cancellation, suspension or termination of this Campaign. 31) The terms and conditions herein (as the same may be amended from time to time pursuant to Clause 29 shall be read in conjunction with the prevailing terms and conditions governing the Participating Cards and shall prevail over any inconsistent terms, conditions, provisions or representations contained in any other promotional materials and advertising in relation to this Campaign. 32) Decision of CIMB Bank and/or CIMB s judges in relation to this Campaign shall, save for manifest error, be final, binding and conclusive. CIMB Bank reserves it absolute rights and discretion to disqualify and/or reject any Eligible Participants that it determines or reasonably suspects to be tampering with the process or the operation of this Campaign, or to be acting in breach of the terms and conditions herein. 33) CIMB Bank shall not be liable to any Eligible Participants or any party for any loss or damage of whatsoever nature suffered by the Eligible Participants or any party save for any loss or damage caused directly by the omission or negligence of CIMB Bank. For the avoidance of doubt, CIMB Bank shall in no event be liable for any loss of income, profits or goodwill, indirect, incidental, consequential, exemplary, punitive or special damages of any party including third party) howsoever arising whether in contract, tort, negligence or otherwise in connection with this Campaign.

7 34) By acceptance or receipt of the Prize(s), the Eligible Participants of the Prize(s) agrees to hold harmless CIMB Bank and its affiliates and their respective directors, officers, employees and agents from and against any claim, action, proceeding, judgment, damage, loss, expense or liability suffered by CIMB Bank and its affiliates and their respective directors, officers, employees and agents in connection with such Eligible Participants participation in this Campaign or receipt, redemption or use of the Prize(s), save for any claim, action, proceeding, judgment, damage, loss, expense or liability caused by the negligence or omission of CIMB Bank. 35) CIMB Bank shall not be responsible for any tax implications that may arise from the Prizes or the use thereof. Any tax filling obligation or any tax payment due to any authority as a result of receipt of the Prizes remain the sole responsibility of the winner of the Prize(s). It is the responsibility of each winner of the Prize(s) to seek independent advice on the possible implications this may have on his/her own financial situation. 35) If there any inconsistency (ies), conflict(s), ambiguity (ies) or discrepancy (ies) between the Bahasa Malaysia and English version or other language version of these terms and conditions herein, the English version of these terms and conditions shall prevail. Notwithstanding the aforementioned where request is made by the Eligible Participants and noted and acknowledged by CIMB Bank in its records that the Bahasa Malaysia version of the terms and conditions shall govern the Participating Cards, then the Bahasa Malaysia version of these terms and conditions shall prevail. 36) For feedback and/or complaints related to this Campaign, the Eligible Participants may contact CIMB Bank s Customer Resolution Unit bearing the following address, telephone, and facsimile numbers and (or bearing such other address, telephone and facsimile numbers and which CIMB Bank may change by notification to the Eligible Participants): Customer Resolution Unit, Level 19, Menara Bumiputera-Commerce, 11 Jalan Raja Laut, Kuala Lumpur Tel: / Fax: address: cru@cimb.com