Terms and Conditions for DBS/POSB Cards Card X Marvel s Avengers: Infinity War New York City Adventure ( Campaign )

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Terms and Conditions for DBS/POSB Cards Card X Marvel s Avengers: Infinity War New York City Adventure ( Campaign ) These terms and conditions govern the Draw. Participation in the Draw constitutes acceptance of these terms and conditions. 1. Eligibility 1.1 The DBS/POSB Cards X Marvel s Avengers: Infinity War New York City Adventure Campaign ("Campaign") is conducted by DBS Bank Ltd ("DBS") and is open only to (except those persons listed under paragraph 1.3 below): 1.1.1 Existing customers with a principal DBS/POBS Credit Card and/or DBS/POSB Debit Card ( Eligible Cardmembers ) and have successfully registered for the campaign between 16 April 2018 and 30 June 2018 ( Qualifying Period ). For the avoidance of doubt, the benefit of all charges incurred by a Supplementary Cardmember in respect of the Campaign shall accrue to the eligible Principal Cardmember only. 1.2 All information provided during the registration must match existing DBS records. Registration with incorrect information may result in Cardmember being omitted from qualifying for the Campaign. 1.3 The following persons are not eligible to participate and will be disqualified from participating in the Campaign: 1.3.1 Cardmembers whose card accounts have been suspended, cancelled or terminated by DBS at any time during the Qualifying Period. 2. Qualifying Period, Campaign Mechanics and Lucky Draw Date 2.1 The qualifying period for the campaign is from 16 April 2018 to 30 June 2018 ( Qualifying Period ). 2.2 Campaign Mechanics 2.2.1 Lucky Draw ( Draw ): 2.2.1.1 1 Draw Chance will be allocated for every S$50 Qualifying Spend made to DBS Live Fresh Card during the Qualifying Period, where 1 winner ( Winner A ) will win ( Prize A ) (defined in clause 3.1).

2.2.1.2 1 Draw Chance will be allocated for every S$100 Qualifying Spend made to all other DBS/POSB Credit and Debit Cards during the Qualifying Period, where 1 winner ( Winner B ) will win ( Prize B ) (defined in clause 3.2). 2.3 Eligible DBS Live Fresh Cardmembers participating in the Draw defined in Clause 2.2.1.1 are not qualified to participate for the Draw defined in Clause 2.2.1.2. 2.4 Calculation of Qualifying Spend is based on the transaction date of retail spend charged to Card. 2.5 Qualifying Spend is based on transacted and posted retail sales and recurring bill payment, and excludes: 2.5.1 Bill payments via internet banking and all transactions via AXS, SAM, enets; 2.5.2 Payments to educational institutions; 2.5.3 Payment to government institutions and services (court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases and any other government services not classified here); 2.5.4 Payment to insurance companies (sales, underwriting, and premiums); 2.5.5 Payments to financial institutions (including banks and brokerages); 2.5.6 Payment to non-profit organisations; 2.5.7 Betting (including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks) through any channel; 2.5.8 Any top-ups or payment of funds to payment service provides, prepaid cards and any prepaid accounts (including EZ-Link, NETS FlashPay and Transit Link); 2.5.9 Instalment payment plan purchases, preferred payment plans, balance transfer, fund transfer, cash advances, annual fees, interest, late payment charges, all fees charged by DBS, miscellaneous charges imposed by DBS (unless otherwise stated in writing by DBS). 2.6 Transaction must be charged to the Card within the Qualifying Period and must be posted into the Card Account at the point of report extraction to qualify for the Draw. DBS shall not be responsible for any failure or delay in the transmission of evidence of sales transactions by any acquiring merchant, merchant establishments, postal or telecommunication authorities or any other party. 2.7 The Draw will be conducted on 31 July 2018 ( Draw Date ). 2.8 Unless DBS notifies otherwise, the Draw will be conducted in the presence of external auditors on the above Draw Date at 10am (or on such other dates as DBS may determine at its sole and

absolute discretion) at 12 Marina Boulevard, DBS Asia Central @ MBFC Tower 3, Singapore 018982 or at such other venue as may be determined by DBS. 2.9 The winners of the Draw Winners will be published on DBS' website within 7 calendar days from the Draw Date. 2.10 The Winners will be notified by post within 10 working days from the Draw Date, at the Winners mailing address in DBS records. Winners will be contacted by DJP Marketing and Promotions Ltd (travel partner appointed by The Walt Disney Company) ( DJP ) for the redemption of the Prize. 3. The Prize and Winners 3.1 Lucky Draw Prize A 3.1.1 Winner A will win a 5-day/4-night trip for 2 persons to New York, USA (Prize A) 3.1.2 Package inclusions i. Return airfare for 2 persons ii. 4 nights stay at a 4-star Hotel (Breakfast Included) iii. Travel Insurance for 2 persons iv. One pair of admission tickets to the New York Comic-Con 2018 in October 2018 v. Optional itinerary of: o Dinner at King of Falafel & Shawarma o New York Superhero Tour o Mind & Soul Yoga Escape o Madame Tussauds Visit o Rockefeller Center Visit o Virtual Reality Experience 3.1.3 Package exclusions i. Visa(s) ii. Flight or room upgrades, trip extensions (subject to availability) and/or additional travelers iii. Personal expenses, including but not limited to room service, laundry, tips and bar bills 3.2 Lucky Draw Prize B 3.2.1 Winner B will win a 5-day/4-night trip for 2 persons to New York, USA (Prize B).

3.2.2 Package inclusions vi. Return airfare for 2 persons vii. 4 nights stay at a 4-star Hotel (Breakfast Included) viii. Travel Insurance for 2 persons ix. Optional itinerary of: o Dinner at King of Falafel & Shawarma o New York Superhero Tour o Mind & Soul Yoga Escape o Madame Tussauds Visit o Rockefeller Center Visit o Virtual Reality Experience 3.2.3 Package exclusions iv. Visa(s) v. Flight or room upgrades, trip extensions (subject to availability) and/or additional travelers vi. Personal expenses, including but not limited to room service, laundry, tips and bar bills 3.1.2 Terms and conditions of Prize i. The Prize(s) is only valid for travel by Winner and 1 companion aged 18 and above. Winners aged between 18-21 would require parental consent. ii. It is the responsibility of all Winners to provide DBS with their updated mailing addresses and contact number(s). iii. It is the responsibility of all Winners and companions to ensure that they have all relevant travel documents prior to trip departure, including but not limited to 5- year passport validity, relevant entry visas, work permits and health certificates ( Travel Documents ). All travel documents are the sole responsibility of the winner including any costs if applicable. iv. In the unlikely event that a Prize should become unavailable, the bank reserves the right to substitute a prize which it may deem as being of equal value. v. No refunds/rebates would be given should you wish to drop out of any tours or services, stay at a different hotel or book a different flight

vi. Winners are to redeem their Prize within 60 days ( Redemption Period ) from the date of receiving the bank s letter informing them to redeem their Prize from DJP. Winners must travel to New York, USA within 12 months of redeeming their holiday. vii. Pursuant to 3.1.2 (ii), any costs incurred for flight or room upgrades, trip extensions and/or additional travelers will be borne solely by the Winners. Any difference in cost is to be paid via DBS/POSB Debit or Credit Card. viii. If Winners are unable to redeem the Prize in person during the stipulated Redemption Period in 3.1.2 (viii), Winners may appoint someone to redeem the Prize on their behalf. In such an event, any information provided to DJP with personal data of an appointed person for purposes of redemption can be collected, used and disclosed by/to DBS and/or third parties. Winners and appointed persons thereby agree to the terms of the DBS Privacy Policy in 3.2. vii. Once confirmed in writing, travel dates and names of those traveling are not changeable without incurring extra fees and may not be possible if a nonrefundable or non-changeable ticket has been purchased. viii. DJP has offered this grand prize in good faith and the specifics of the grand prize holiday are as stated in original proposal provided to the initiator of promotion. Winners must sign a legal acceptance form provided by DJP prior to departure. ix. Nothing in this travel package authorizes any person to use The Walt Disney Company's and its affiliated companies name, brand, intellectual property, characters or reputation in conjunction with this travel package or any prize promotions whatsoever. x. The Walt Disney Company and each of their respective parent, affiliates, and subsidiaries are not responsible for the promotion, administration or execution of the travel package, competition, contest or sweepstakes. 3.1.3 No Show Policy i. No show on trip departure date will result in the Prize deemed as redeemed and forfeited. No refund, cash alternative or negotiation will be entertained by the bank or any third-party institution. 3.2.4 Subject to Clause 2.3, Winners will be randomly drawn from the pool of entries by means of a computerized draw under the supervision of an external auditor on the Draw Date.

DBS shall have the right to draw a ( Reserve Winner ) to replace any Winner drawn who is subsequently disqualified or unable to collect the Prize. 3.2.5 Prizes are strictly non-redeemable for credit, non-transferable, non-assignable and nonexchangeable and non-replaceable. 3.2.6 Every Winner s eligibility to participate in the Draw is subject to verification, and in the event that a Winner is verified by DBS to be ineligible to participate in the Draw, DBS shall have the right to disqualify that Winner without notice, and award his/her Prize to a Reserve Winner. 3.2.7 A Winner who has been awarded a Prize shall not be entitled to any compensation, benefits or substitution in any form whatsoever in lieu of the Prize and/or should any Prize be forfeited or reclaimed. 3.2.8 If a Winner fails to claim his/her Prize within the stipulated redemption period in the Prize notification letter issued by DBS, his/her Prize will be forfeited. 3.3 The Winners consent to DBS disclosing and/or publishing their names, and pictures/photographs/videos in any manner which DBS may deem fit for publicity purposes, including via the modes described in Clause 2.4 above. The Winners shall cooperate with and participate in such publicity activity organised by DBS without any compensation whatsoever and in such manner as DBS deems fit. In addition, by participating in this Campaign, each participant consents to DBS disclosing his/her name, NRIC/passport number or any of his/her personal information to any third-party DBS may reasonably consider appropriate or necessary in connection with administering the Campaign, including any person or entity involved in organizing, promoting or conducting the Campaign for purposes of the Campaign. Participants consent under the Personal Data Protection Act (Cap 26 of 2012) to the collection, use and disclosure of their personal data by/to DBS and such other third party as DBS may reasonably consider necessary for the purpose of the Campaign, and confirm that they agree to be bound by the terms of the DBS Privacy Policy, a copy of which can be found on www.dbs.com/privacy.the failure by any Winner and Top Spender to comply with this clause shall result in his/her disqualification as a winner or eligible cardmember and to receive the Prize. 3.4 If DBS subsequently determines that a person is in fact not eligible for the Prize or to participate in the Campaign, for any reason whatsoever, DBS may at its discretion reclaim the Prize and

award or dispose of it in such manner and to such person(s) as DBS deems fit in its sole discretion. Each participant hereby authorises and consents to DBS debiting the cash value of the Prize from his/her DBS/POSB Credit or Debit Card account. 4. General Terms and Conditions 4.1 DBS will not be responsible for any injuries, loss, claim or damage suffered or incurred in connection with the Prizes, the Draw (including but not limited to any error in computing any qualifying transaction, any breakdown or malfunction in any computer system or equipment) and/or any notices, letters or correspondence lost, stolen or misdirected in the postal system or telecommunication system, and the consequences arising from the non-receipt of such communication. 4.2 By participating in this Campaign, participants agree to release and hold DBS harmless from any and all liability whatsoever for any injuries, losses or damages of any kind to any person or property arising from or in connection with, either directly or indirectly: 4.2.1 the awarding, acceptance, receipt, possession, use or misuse of any Prize or parts thereof awarded pursuant to the Campaign; and 4.2.2 the participation in the Campaign or any prize-related activities. 4.3 Notwithstanding anything herein, DBS has the absolute discretion to determine the eligibility of a customer to participate in the Campaign or receive a Prize. DBS decision on all matters relating to the Campaign (including but not limited to the number of Draw Chances to be awarded to any customer, and the selection of the Winners) shall be final and binding on all participants. Except for the notification letters issued by DBS pursuant to Clause 2.9 (after any verification as may be required has been completed), DBS shall not be obliged to enter into any correspondence on any matter with any party concerning the Campaign. 4.4 DBS decision on all matters relating to the Campaign shall be final. No correspondence or claims will be entertained. 4.5 DBS may vary these Terms and Conditions or suspend or terminate the Campaign without any notice or liability to any party.