Maybank BankOnlineToWin Draw Promotion Terms and Conditions ( Promotion )

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Maybank BankOnlineToWin Draw Promotion Terms and Conditions ( Promotion ) 1. Definitions Under these Terms and Conditions: "Chance" means either the Monthly Chance and/or the Grand Chance. "Customer" means an individual customer of Maybank who has registered and has access to Maybank s Mobile and Online Banking services. "Draw" means any of the Monthly Draws or Grand Draw. "Grand Chance" means one opportunity to participate in the Grand Draw. "Grand Draw" means the grand draw to be held by Maybank to select the Grand Prize Winners of the Grand Prizes as stated in Clause 6. "Grand Prize" means any one of the top three (3) Grand Prizes or 200 Bonus Grand Prizes as stated in Clause 6. "Grand Prize Winner" means a winner of one of the Grand Prize. "Maybank" means Malayan Banking Berhad, Singapore branch. "Monthly Chance" means one opportunity to participate in the Monthly Draw. "Monthly Draw(s)" means the four (4) monthly draws to be held by Maybank to select a total of [400] Monthly Prize Winners. Each Monthly Draw will be held to select 100 Monthly Prize Winners for each Monthly Draw. "Monthly Prize" means a cash credit of S$20. "Monthly Prize Winner" means a winner of a Monthly Prize. "Prize" means either the Monthly Prize and/or the Grand Prize. "Promotion Period" means the period between 1 September 2016 and 31 December 2016 (both dates inclusive) for the Promotion. "Winner" means a Customer who is a Monthly Prize Winner and/or a Grand Prize Winner. Definitions importing the singular shall include the plural and vice versa. 2. Eligibility a) All individual customers who are registered and have access to Maybank s Mobile and Online Banking services except for: i) employees of Maybank, its advertising agencies or sponsors and their immediate families; ii) corporate or business customers of Maybank; and iii) Customers whose Maybank Online Banking account, Maybank deposit, savings and/or current account and/or Maybank credit card accounts are terminated during the Promotion Period. b) Maybank has the absolute discretion to exclude any Customer and/or any person from participating in any Draw without any obligation to furnish any notice and/or reason.

c) By participating in the Promotion and/or by accepting a Prize, Customers agree to abide by the terms and conditions stated herein. By participating in any Draw, each Customer agrees to abide by the terms and conditions stated herein. In the event the Customer does not agree to these terms and conditions he/she should not participate in the Draw and should opt out by informing Maybank of the same. 3. Awarding of Monthly Chances a) When a Customer first successfully performs a Quick Transfer transaction (minimum amount of S$10) via Maybank Mobile during a calendar month within the Promotion Period, such Customer shall receive the first (1 st ) Monthly Chance to participate in the Monthly Draw to be conducted in the following calendar month. After the first Quick Transfer transaction, the Customer shall be eligible to earn one (1) Monthly Chance for each subsequent Quick Transfer transaction, up to a maximum of ten (10) Monthly Chances per calendar month within the Promotion Period. For the avoidance of doubt, other mobile or online transactions shall not be considered eligible transactions for the awarding of Monthly Chances. b) Each Customer is entitled to win a maximum of one (1) Monthly Prize regardless of the number of Quick Transfer transactions performed during the Promotion Period. Notwithstanding the maximum award of ten (10) Monthly Chances per calendar month on Quick Transfer transactions for the Monthly Draw, all Quick Transfer transactions shall be considered for the awarding of Grand Chances for the Grand Draw. c) The Monthly Chance(s) used towards a Monthly Draw shall not be eligible for use in any of the following Monthly Draw(s). d) Where an eligible Quick Transfer transaction is made from a joint Maybank account, the Monthly Chance shall be awarded to the main account holder of such joint Maybank account and the main account holder shall be the Customer eligible to participate in the Monthly Draw. e) Monthly Chances are not transferable and will be cancelled by Maybank, without incurring any liability, upon the suspension, cancellation and/or termination of any account which was used to conduct the Quick Transfer transactions. In the event that an account is closed and a new account is opened, the Monthly Chance(s) from the closed account will not be transferred to the new account. f) Monthly Chances cannot be transferred to or combined with the Monthly Chances awarded to any other Customer. g) Maybank reserves the right at any time to withdraw, cancel or invalidate the number of Monthly Chances assigned to any Customer/account without notice or reason. h) Maybank s records and the total number of Monthly Chances allocated to a Customer shall be final, conclusive and binding. No correspondence will be entertained. 4. Awarding of Grand Chances a) To qualify and receive Grand Chances for participation in the Grand Draw, Customers must successfully perform any of the following eligible transactions via Maybank Mobile or Online Banking within the Promotion Period.

Transaction Description Chances Awarded Non-Financial Transaction First time login Financial Transaction Fund Transfer (via FAST/ GIRO) (min S$50) Quick Transfer on Mobile App (min S$10) Maybank Credit Card Payment (min S$50) Other Banks Credit Card payment (min S$50) Bill Payment (Local and Malaysia) (min S$50) Remittance (Includes RegionLink FT/TT/Demand Draft (min S$50) EPS / Share payments 2x 2x b) Where an eligible transaction is made from a joint Maybank account, Grand Chances are awarded to the main account holder of such joint Maybank account and the main account holder shall be the Customer eligible to participate in the Grand Draw. Each Customer shall receive up to a maximum of 100 Grand Chances per calendar month during the Promotion Period. c) Grand Chances are not transferable and will be cancelled by Maybank, without incurring any liability, upon the suspension, cancellation and/or termination of any account which was used to conduct the mobile or online transactions. In the event that an account is closed and a new account is opened, the Grand Chance(s) from the closed account will not be transferred to the new account. d) Grand Chances cannot be transferred to or combined with Grand Chances awarded to any other Customer. e) Maybank reserves the right at any time to withdraw, cancel or invalidate the number of Grand Chances assigned to any Customer/account without notice or reason. f) Maybank s records and the total number of Grand Chances allocated to a Customer shall be final, conclusive and binding. No correspondence will be entertained. 5. Draws a) The Draws will be conducted at Maybank@AMK, Block 710A, Ang Mo Kio Avenue 8, #01-2627, Singapore 561710, at 10am and will be conducting a lucky draw procedure on the following dates, or such other date(s) as Maybank may determine at its sole discretion: Monthly Draws: Last Friday of every month from October 2016 to December 2016 (i.e. 28 October 2016, 25 November 2016 and 30 December 2016) Grand Draw: 25 January 2017

b) Maybank has the absolute discretion to change the venue, date and time of any of the Draws without any prior notice or liability to the participating Customers. c) The Winners will be randomly selected and Maybank reserves the right to draw reserve winner(s) to substitute any Winner subsequently found to be disqualified or uncontactable. Maybank s determination of the Winners shall be final, conclusive and binding. No correspondence or claims will be entertained. d) The results of each Draw shall be published on Maybank s Online Banking website at www.maybank2u.com.sg and/or on any other publication or social media within fourteen (14) days from the date the Draw is conducted or on such other date(s) as Maybank may determine at its sole discretion. e) Winners will be notified by ordinary post and/or contacted via telephone at their last known contact on record with Maybank. Except for notifications to the Winners, Maybank is not obliged to enter into any correspondence with any person on any matter concerning the Draw. 6. Prizes a) The Prizes to be given away are as follows: Draw 1 st Monthly Draw (28 October 2016) 2 nd Monthly Draw (25 November 2016) 3 rd Monthly Draw (30 December 2016) 4 th Monthly Draw (25 January 2017) Grand Draw (25 January 2017) Detail of Prize 1 st Grand Prize : $1188 cash credit 2 nd Grand Prize: $988 cash credit 3 rd Grand Prize : $788 cash credit 200 Bonus Grand Prizes : $88 each b) The Prize(s) shall be credited directly into the account that the Winner holds with Maybank within 30 days from the relevant publication date of the results of a Draw. The Prize(s) is nontransferable, non-exchangeable (in part or full) for gift vouchers or in kind. c) Maybank reserves the right to replace any Prize at any time at its discretion with another item of a similar value without notice. d) Maybank shall not be responsible for any other consequences including but not limited to loss of life, injury to person and/or damage to property arising from or in connection with the Promotion and/or redemption or use of the Prize, lost, late, misdirected, damaged, incomplete, illegible or postage-due mail, or transactions that are processed late, incorrectly or lost due to computer or other electronic breakdown or malfunction or any other reason. e) In the event an eligible transaction is cancelled or reversed by any party for any reason and at any time, the said eligible transaction will not be considered for the purpose of the Draw. If an eligible transaction is reversed after the Prize(s) has been awarded, Maybank has the right to deduct the value of the Prize(s) from any Maybank account the Winner holds with Maybank. Maybank reserves the right to deduct the full price of the Prize(s) from the Winner s Maybank account in the event such Winner closes his/her Maybank Online Banking account, Maybank Deposit, Savings and/or Current Account and/or cancels his/her Maybank Credit Card within six (6) months from the date of the Draw.

7. General a) The participating Customers hereby authorise Maybank to disclose and publish their names and other particulars in the event that he/she wins one of the Prizes in accordance with applicable law without prior notice. The Winners also consent to co-operate with and participate in publicity activities organised by Maybank in relation to the Draw without compensation whatsoever. All expenses and/or costs incurred for such attendance shall be borne by the Winners and Maybank reserves the right to use the name, address, photographs, information, particulars and/or documents of the Winners in any advertisement or other forms of publicity from time to time. Maybank reserves the right to collect, use and disclose the names and such other particulars of the Winners solely for the purposes related to the Draw and in accordance with applicable laws. b) The decision of Maybank on all matters relating to or in connection with this Promotion and/or the Draw (including without limitation the eligibility of a Customer, the Chances awarded to the Customers, the selection of the Winners, the manner in which Prizes are awarded to the Winners and the conduct of the Draw) shall be final, conclusive and binding on all participating Customers. Maybank shall not be obliged to enter into any correspondence with any Customer on any matter concerning this Promotion and/or the Draw. c) Maybank, its related corporations, employees and/or independent contractors shall not be liable for any loss, injury, liabilities, expenses or damages whatsoever or howsoever incurred or sustained by any Customer and/or any other person by reason of, arising from or in connection with the Promotion, the Draw and/or redemption of or consumption of any services, products or facilities of any merchant or retailer, including any act or omission relating to the Customer's participation in the Draw, howsoever caused or for any other reason. d) Maybank has the absolute discretion at anytime to amend any of these terms and conditions and to suspend, cancel or discontinue this Promotion and/or the Draw at any time without prior notice and without liability to the Customer or any other person. e) Maybank may at any time waive either unconditionally or on such terms and conditions as the Maybank deems fit in its discretion any right it has under these terms and conditions, however any such waiver shall not preclude Maybank from exercising such rights in the future. f) In the event of any inconsistency between these terms and conditions and any brochures, marketing or promotional materials relating to the Promotion, these terms and conditions shall prevail. g) The prevailing Standard Terms and Conditions governing Internet Banking Services shall apply and can be found at www.maybank2u.com.sg. h) These terms and conditions are governed by Singapore laws. Information is correct as at 28th September 2016 Malayan Banking Berhad (incorporated in Malaysia)