UOBM 30% OVERSEAS CASH BACK CAMPAIGN TERMS & CONDITIONS UOBM CREDIT AND/OR DEBIT CARD

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UOBM 30% OVERSEAS CASH BACK CAMPAIGN TERMS & CONDITIONS UOBM CREDIT AND/OR DEBIT CARD United Overseas Bank (Malaysia) Bhd (271809-K) ( UOBM ) is organising a 30% Overseas Campaign ( Campaign ) from 1 November 2017 to 31 January 2018 (both dates inclusive) or such other dates as may be determined by UOBM from time to time ( Campaign Period ). ELIGIBILITY 1. Subject to Clause 2 below, this Campaign is open to all eligible principal UOBM Credit and/or Debit Cardmembers ( Eligible Cardmembers ) and a) whose account(s) held with UOBM are current, valid and subsisting as determined by UOBM at its sole and absolute discretion; and b) who are not in breach of the UOBM Visa/MasterCard Cardmember Agreement and UOBM Debit Mastercard Terms and Conditions (collectively referred as Eligible Card T&Cs ). 2. All UOBM Corporate, Purchasing and Private Label Cardmembers shall not be eligible to participate in this Campaign. REGISTRATION 3. To participate in this Campaign, the Eligible Cardmembers must perform a one-time registration: a) by using any of their UOBM Credit and/or Debit Card ( Card ) number(s) via short message service ( SMS ) by typing U1<space>16-digit Credit/Debit Card number to 66300; or b) for Eligible Cardmembers who receive an SMS invitation from UOBM, they may register by following the instructions provided in the SMS. 4. The Eligible Cardmembers must ensure that they have keyed in their correct Card number in the SMS. 5. Standard telecommunication charges will apply for each SMS sent and such charges shall be borne by the Eligible Cardmembers. 6. Upon successful registration, the Eligible Cardmembers will receive a confirmation through SMS. The registration is deemed as not successful if the Eligible Cardmembers did not receive a confirmation of the registration of this Campaign from UOBM. 7. In the event the Card number received by UOBM is incomplete or invalid, an SMS will be sent to the mobile number used by the Eligible Cardmembers for the registration of this Campaign at no cost notifying them to re-register themselves for this Campaign via SMS. 8. Upon successful registration, the Eligible Cardmembers must use their Cards to meet the Qualification Criteria as set out in Clause 9 & 10 ( Qualification Criterias ). CAMPAIGN MECHANICS 9. Eligible spend shall, for the purpose of this Campaign, mean any spend of not less than RM100 equivalent in any foreign currency per card present transaction made during the Campaign Period using the Card ( Eligible Spend ). Eligible Spend made in a foreign currency other than Ringgit Malaysia, UOBM s prevailing exchange rate should be adopted. 10. Eligible Cardmembers are required to make a minimum of three (3) transactions in Eligible Spend in each to be eligible for the cash back set out in Clause 15. Eligible Spend is calculated from 00:00 hours (Malaysia time) on the first day of the to 23:59

hours (Malaysia time) hours on the last day of the. For example, the Eligible Spend for 1 will be calculated from 00:00 hours (Malaysia time) on 1 November 2017 to 23:59 hours (Malaysia time) on 7 November 2017. 11. The supplementary Eligible Cardmembers Eligible Spend will be combined with the principal Eligible Cardmembers Eligible Spend during this Campaign in determining whether the principal Eligible Cardmember satisfies the Qualification Criterias. For the avoidance of doubt, only the principal Eligible Cardmember will be eligible to receive the. 12. The Eligible Spend made during the Campaign Period must be captured by the credit card system maintained by UOBM in order to be eligible for participation in this Campaign. 13. Non-Eligible Spend shall include the following: a) Any transactions made in Ringgit Malaysia; b) Any Card Not Present Transaction e.g. online and Mail Order and Telephone Order c) Cash advances; d) Balance Transfer; e) Flexi-Credit Plans; f) Easi Payment Plan purchases; g) Finance charges; h) Late charges; i) Annual Fees; j) Split and/or void transactions; k) Reversals or refunds; l) Goods and Services Tax; and m) Such other transactions as UOBM may determine. 14. Eligible Cardmembers who satisfies the registration criteria set out in Clause 3 and meets the Qualification Criterias during the Campaign Period shall be eligible to receive the as set out in Clause 15. CASH BACK 15. Subject to the terms and conditions set out herein, each Eligible Cardmember will be eligible to receive 30% cash back ( ) on every third (3 rd ) Eligible Spend made throughout each. See examples below for illustration on the eligibility: Example 1 Meets Qualification Criteria: 1 1 230 1 2 200 1 3 320 Yes 96 Example 2 Does not meet Qualification Criteria: 1 1 250 1 2 80 Does not meet minimum spend per transaction 1 3 300 No 0

Example 3 Meets Qualification Criteria: 1 1 250 1 2 150 1 3 300 Yes 90 1 4 200 1 5 180 1 6 280 Yes 84 16. Each Eligible Cardmember is eligible to receive a maximum of RM500 throughout the Campaign Period. 17. The is allocated based on the weekly allocation as set out in the following table: (s) Period Allocation (RM) 1 1 November 2017 7 November 2017 12,500 2 8 November 2017 14 November 2017 12,500 3 15 November 2017 21 November 2017 12,500 4 22 November 2017 28 November 2017 12,500 5 29 November 2017 5 December 2017 12,500 6 6 December 2017 12 December 2017 12,500 7 13 December 2017 19 December 2017 12,500 8 20 December 2017 26 December 2017 12,500 9 27 December 2017 2 January 2018 12,500 10 3 January 2018 9 January 2018 12,500 11 10 January 2018 16 January 2018 12,500 12 17 January 2018 23 January 2018 12,500 13 24 January 2018 31 January 2018 12,500 Total 162,500 18. The is allocated on a first-come, first-served basis. If the amount of given by UOBM has reached the total allocation for each, no further will be given to subsequent Eligible Cardmembers who meet the Qualification Criteria during each. 19. UOBM does not have any obligation to inform any Eligible Cardmembers should the be fully given out for the and throughout the Campaign Period. 20. The Eligible Cardmembers who are entitled to the will be notified through SMS notification within four (4) weeks to six (6) weeks after the end of the Campaign Period. The will be credited within eight (8) weeks after the end of the Campaign Period. The crediting of the will be reflected in the Eligible Cardmembers Statement of Account the following month. 21. At the time of awarding the, the Eligible Cardmember s Card account(s) must be current, valid, subsisting and in good credit standing as may be determined by UOBM at its sole and absolute discretion and not in breach of any of these terms and conditions and any of the terms and conditions of the Eligible Card T&Cs. 22. Any props, accessories or equipment featured together with the in all printed materials, website or UOBM branches are for decorative purposes only and shall not form part of the.

23. UOBM reserves the right: (a) to forfeit the in the event where there is a reversal of Eligible Spend transaction s entry or termination of the Eligible Cardmember s Card prior to the being given to the Eligible Cardmembers or non-compliance or breach of these terms and conditions or the terms and conditions of the Eligible Card T&Cs with prior notice without assigning any reason; (b) to withdraw, suspend, extend or terminate earlier the Campaign prior to the expiry of the Campaign Period in whole or in part, at any time with prior notice at its absolute discretion. 24. The awarded is non-transferable to any other party or parties and not exchangeable for cash, credit or other goods, whether in part or in full. UOBM GENERAL TERMS AND CONDITIONS 25. By participating in this Campaign, the Eligible Cardmembers agree to be bound by these terms and conditions and the terms and conditions of the Eligible Card T&Cs. If there is any inconsistency between these terms and conditions and the terms and conditions of the Eligible Card T&Cs in connection with this Campaign, these terms and conditions will prevail. 26. The decision of UOBM in all matters relating to this Campaign and in the case of dispute, will be final and binding on the Eligible Cardmembers. 27. UOBM shall not be responsible for any failure or delay in transmission of sales transactions by Visa International Incorporated, MasterCard Worldwide, merchant establishments, postal or telecommunication authorities or any party in which may result in the Eligible Cardmembers failing to be entitled to the under this Campaign. 28. The records of transactions maintained by UOBM and UOBM s decision on all matters relating to this Campaign shall be final, conclusive and binding on the Eligible Cardmembers. UOBM shall not be obliged to give any reasons or entertain any correspondence with any person(s) on any matter concerning this Campaign. No appeals and/or correspondence from any Eligible Cardmembers or any third party will be entertained. 29. UOBM shall not be liable for any misinterpretation or misrepresentation of facts by any unauthorized third party in respect of this Campaign and/or the offered and published in any mass media, marketing or advertising materials. 30. UOBM shall not be responsible nor shall accept any liabilities of any nature (including injuries, death, consequential loss or damage) and however arising or suffered by the Eligible Cardmembers resulting directly or indirectly from this Campaign and/or the, unless it was caused by UOBM s gross negligence or wilful misconduct. 31. To the fullest extent permitted by law, UOBM expressly excludes and disclaims any representations, warranties or endorsements express or implied, written or oral, without limitation to those published in any mass media, marketing or advertising materials in respect of this Campaign and the under this Campaign. 32. In the event of any inconsistency between these terms and conditions and any advertising, promotional, publicity and other materials relating to or in connection with this Campaign, these terms and conditions shall prevail. 33. UOBM reserves the right to add, delete, suspend and/or vary this Campaign s terms and conditions, from time to time, wholly or in part, at its absolute discretion, by providing twenty-one (21) days prior notice to the Eligible Cardmembers through posting on UOBM s website, displaying a notice at any of UOBM s branches, a statement insert in the Statement of Account or any other manner as may be determined by UOBM from time to time.

34. UOBM reserves the right to cancel, terminate or suspend this Campaign with prior notice. For the avoidance of doubt, any cancellation, termination or suspension by UOBM of this Campaign shall not entitle the Eligible Cardmembers to any claim or compensation against UOBM for any and all losses or damages suffered or incurred by the Eligible Cardmembers whether as a direct or indirect result of such cancellation, termination or suspension. 35. These terms and conditions shall be governed by and construed in accordance with the laws of Malaysia and the Eligible Cardmembers agree to submit to the non-exclusive jurisdiction of the courts of Malaysia. End