Rewards & Bonus Campaign

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1 Rewards & Bonus Campaign Terms and Conditions 1. The CASA Rewards & Bonus Campaign (hereinafter referred to as the Campaign ) shall commence on 1 st March 2014 and shall end on 31 st July 2014 (both dates inclusive) unless notified otherwise ( Campaign Period ). 2. For the purpose of the Campaign Terms & Conditions, Maybank Group consists of Malayan Banking Berhad (hereinafter referred to as Maybank ) and Maybank Islamic Berhad (hereinafter referred to as MIB ) and shall hereinafter collectively refer to as the Bank. 3. The Campaign is open to eligible new and existing current account and savings account holders (which may consist of individuals, joint account holders, sole proprietorships, partnerships and professionals) of participating Conventional and Islamic current accounts and savings accounts as mentioned in clauses 4 and 5 of these Terms and Conditions. 4. The participating Conventional current accounts and savings accounts are as follows: Private Banking Account Current Account Maybank2u.Premier Premier 1 Kawanku Savings Account Golden Savers Savings Account Premier Savings Personal Savers Account 5. The participating Islamic current accounts and savings accounts are as follows: Private Banking-i Current Account Net Current Account-i Premier Mudharabah Account-i (PMA-i) Golden Savers-i Savings Account Personal Savers-i Premier Mudharabah Account-i (PMA-i) (Minor/Trust) 6. For joint accounts, the eligible participant will be the primary accountholder. 7. Employees of the Bank are eligible to participate in the Campaign except for employees of Maybank from Funding & Deposit Department, Customer Relationship Department, Mass Banking Department, High Net Worth and Affluent Banking Department, Marketing & Brand Management Department and MIB Product Management Department who are directly involved in the Campaign as well as employees of advertising and promotions agencies and their immediate families. 8. Deposits can be done at any Maybank Group branches via Over-the-Counter deposits, Maybank/MIB Automated Teller Machines, Maybank/MIB Cash/Cheque Deposit Machines and third party transfers via maybank2u.com/m2u mobile. Cheque deposits will only be eligible and considered upon clearance by Maybank Group (where applicable) and the proceeds of the Page 1 of 15

2 cheques credited in the said account. 9. There are 2 types of rewards offered through the Campaign, i.e. i. Additional interest/dividend of up to 1.25% per annum (p.a.) on incremental growth ii. Monthly Consolation and Monthly Grand Prizes Campaign Mechanics for Reward 1: Additional interest/dividend of up to 1.25% p.a. 10. Customers who fulfill the two eligibility criteria as per clause 12 to 26 below will be entitled to an additional interest/dividend rate of up to 1.25% p.a. on their participating account s incremental average daily balance (herein referred to as Incremental ADB ). 11. Only the Incremental ADB of the participating accounts for the entire 153 calendar days (i.e. from 1 st March 2014 up to 31 st July 2014) against the Baseline shall be entitled to the additional interest/dividend. 12. Criteria 1 (Conventional Scheme) Customers will need to have a minimum incremental ADB of RM5,000 up to a maximum of RM1.0 million for their participating accounts for the entire campaign period after comparing against the respective account s average daily balance from 1 st February 2014 till 28 th February 2014 (hereinafter referred to as Baseline ). Incremental ADB is calculated by deducting the Baseline from the participating account s campaign average daily balance (hereinafter referred to as Campaign ADB ). New Customers The Baseline for new-to-bank customers who open their participating account(s) during the Campaign Period will be zero. Existing Maybank Customers The Baseline for existing Maybank customers with participating account(s) opened before 1 March 2014 refers to the participating account(s) February 2014 average daily balance calculated from 1 st February 2014 till 28 th February The Baseline for existing Maybank customers who open their participating account(s) during the Campaign Period will be zero. Baseline Baseline refers to the participating account(s) February 2014 average daily balance calculated from 1 st February 2014 till 28 th February = Sum of end-of-day balance of the participating account from 1 st Feb 2014 to 28 th Feb 2014 No. of days in the month (i.e. 28 days) Example: Customer A s Baseline for existing Private Banking Account = Sum of end-of-day balance on 1 st Feb + balance on 8 th Feb + + balance on 28 th Feb days Page 2 of 15

3 Campaign ADB (for participating accounts): 1) For Existing Accounts Opened before 1 March 2014 = Sum of end-of-day balance of the participating account from 1 st March 2014 to 31 st July 2014 No. of days of the campaign (i.e. 153 days) 2) For New Accounts Opened on 1 March 2014 Onwards = Sum of end-of-day balance of the participating account from date account opened to 31 st July 2014 No. of days of the campaign (i.e. 153 days) Illustration on Calculation Period for Campaign ADB 1 st Apr st Jun st Jul 2014 I I I I 1 st Mar st May st July 2014 Calculation Period for Campaign ADB = Sum of end-of-day balance on 1 st Mar + balance on 2 nd Mar + + balance on 31 st July days Incremental ADB refers to: = Campaign ADB Baseline of the respective participating account Example: Customer A s Private Banking Account Incremental ADB Campaign ADB Baseline (Account average daily balance in February 2014) Incremental ADB RM20,000 RM2,000 RM20,000 RM2,000 = RM18, Criteria 1 (Islamic Scheme) Customers will need to have a minimum incremental ADB of RM5,000 up to a maximum of RM1.0 million for their participating accounts for the entire campaign period after comparing against the respective account s average daily balance from 1 st February 2014 till 28 th February 2014 (hereinafter referred to as Baseline ). Incremental ADB is calculated by deducting the Baseline from the participating account s campaign average daily balance (hereinafter referred to as Campaign ADB ). Page 3 of 15

4 New Customers The Baseline for new-to-bank customers who open their participating account(s) during the Campaign Period will be zero. Existing Maybank Customers The Baseline for Maybank customers with participating account(s) opened before 1 March 2014 refers to the participating account(s) February 2014 average daily balance calculated from 1 st February 2014 till 28 th February The Baseline for existing Maybank customers who opens their participating account(s) during the Campaign Period will be zero. Campaign ADB (for participating accounts): 1) For Existing Accounts Opened before 1 March 2014 = Sum of end-of-day balance of the participating account from 1 st March 2014 to 31 st July 2014 No. of days of the campaign (i.e. 153 days) 2) For New Accounts Opened on 1 March 2014 Onwards = Sum of end-of-day balance of the participating account from date account opened to 31 st July 2014 No. of days of the campaign (i.e. 153 days) Illustration on Calculation Period for Campaign ADB 1 st Apr st Jun st Jul 2014 I I I I 1 st Mar st May st July 2014 Calculation Period for Campaign ADB = Sum of end-of-day balance on 1 st Mar + balance on 2 nd Mar + + balance on 31 st July days Incremental ADB refers to: = Campaign ADB Baseline of the respective participating account Example: Customer A s Private Banking Account-i Incremental ADB Campaign ADB Baseline (Account average daily balance in February 2014) Incremental ADB RM50,000 RM10,000 RM50,000 RM10,000 = RM40,000 Page 4 of 15

5 14. Criteria 2 (Conventional) New Customers For participating account(s) newly opened during the Campaign Period, the customer s total Conventional Current, Savings & Fixed Deposit (hereinafter referred to as CASAFD ) balance as at 31 st July 2014 must be more than the total customer s CASAFD balance on the date the first participating account(s) is opened. Existing Maybank Customers The customer s total Conventional CASAFD balance as at 31 st July 2014 must be more than the total customer s CASAFD balance as at 28 th February For participating account(s) newly opened during the Campaign Period, the customer s total Conventional CASAFD balance as at 31 st July 2014 must be more than the customer s total CASAFD balance on the date the first participating account(s) is opened. Example 1 (Existing Customers with Accounts Opened before 1 March 2014): Customer A s CASAFD balance on 28 th February 2014 and 31 st July 2014 is shown below. As the CASAFD balance on 31 st July 2014 is more than the CASAFD balance on 28 th February 2014, Customer A has met Criteria 2. Account Kawanku Premier 1 Golden Savers Yippie Fixed Deposit Balance on 28 th February 2014 Balance (RM) , , Total Conventional = Kawanku + Premier 1 + Golden Savers + Yippie + Fixed Deposit CASA Balance (RM) = , ,000 = 13, Account Kawanku Premier 1 Golden Savers Yippie Fixed Deposit Balance (RM) , , , Total Conventional = Kawanku + Premier 1 + Golden Savers + Yippie + Fixed Deposit CASA Balance (RM) = , , ,000 = 17, Page 5 of 15

6 Example 2 (Existing Customers with Participating Accounts Opened During Campaign Period): Customer B opened a Golden Savers Account on 10 th April He has a Fixed Deposit and a Maybank2u Savers opened prior to the campaign period. As the CASAFD balance on 31 st July 2014 is more than the CASAFD balance on 10 th April 2014, Customer B has met Criteria 2. Account Golden Savers Maybank2u Savers Fixed Deposit Balance on 10 th April 2014 Balance (RM) 1, , , Total Conventional = Golden Savers + Maybank2u Savers + Fixed Deposit CASA Balance (RM) = 1, , , = 15, Account Golden Savers Maybank2u Savers Fixed Deposit Balance (RM) 30, , , Total Conventional = Golden Savers + Maybank2u Savers + Fixed Deposit CASA Balance (RM) = 30, , , = 45, Example 3 (Customers Not Entitled to the Campaign Interest): Customer C opened a Premier 1 Account on 1 st March He has a Fixed Deposit and a Yippie Account opened prior to the campaign period. As the CASAFD balance on 31 st July 2014 is less than the CASAFD balance on 1 st March 2014, Customer C did not meet Criteria 2. Account Premier 1 Yippie Fixed Deposit Balance on 1 st March 2014 Balance (RM) 1, , , Total Conventional = Premier 1 + Yippie + Fixed Deposit CASA Balance (RM) = 1, , , = 23, Account Premier 1 Yippie Fixed Deposit Balance (RM) 30, , Total Conventional = Premier 1 + Yippie + Fixed Deposit (Closed) CASA Balance (RM) = 15, , = 18, Criteria 2 (Islamic) New Customers For participating account(s) newly opened during the Campaign Period, the customer s total Conventional and Islamic Current, Savings & Term Deposit (hereinafter referred to as CASATD ) balance as at 31 st July 2014 must be more than the total customer s CASATD balance on the date the first participating account(s) is opened. Existing Maybank Customers The customer s total Conventional and Islamic CASATD balance as at 31 st July 2014 must be more than the total customer s CASATD balance as at 28 th February Page 6 of 15

7 For participating account(s) newly opened during the Campaign Period, the customer s total Conventional and Islamic CASATD balance as at 31 st July 2014 must be more than the customer s total CASATD balance on the date the first participating account(s) is opened. Example 1 (Existing Customers with Accounts Opened before 1 March 2014): Customer A s CASATD balance on 28 th February 2014 and 31 st July 2014 is shown below. As the CASATD balance on 31 st July 2014 is more than the CASATD balance on 28 th February 2014, Customer A has met Criteria 2. Account Kawanku PMA-i Golden Savers Yippie-i Fixed Deposit Balance on 28 th February 2014 Balance (RM) , , Total CASATD = Kawanku + PMA-i + Golden Savers + Yippie-i + Fixed Deposit Balance (RM) = , ,000 = 13, Account Kawanku PMA-i Golden Savers Yippie-i Fixed Deposit Balance (RM) , , , Total CASATD = Kawanku + PMA-i + Golden Savers + Yippie-i + Fixed Deposit Balance (RM) = , , ,000 = 17, Example 2 (Existing Customers with Participating Accounts Opened During Campaign Period): Customer B opened a Golden Savers Account-i on 10 th April He has a Fixed Deposit and a Net Current Account-i opened prior to the campaign period. As the CASATD balance on 31 st July 2014 is more than the CASATD balance on 10 th April 2014, Customer B has met Criteria 2. Account Golden Savers-i Net Current Account-i Fixed Deposit Balance on 10 th April 2014 Balance (RM) 1, , , Total CASATD = Golden Savers-i + Net Current Account-i + Fixed Deposit Balance (RM) = 1, , , = 15, Account Golden Savers-i Net Current Account-i Fixed Deposit Balance (RM) 30, , , Total CASATD = Golden Savers-i + Net Current Account-i + Fixed Deposit Balance (RM) = 30, , , = 45, Example 3 (Customers Not Entitled to the Campaign Dividend): Customer C opened a Premier Mudharabah Account-I (PMA-i) on 1 st April He has a Fixed Deposit, Premier 1 and a Yippie Account opened prior to the campaign period. As the CASATD balance on 31 st July 2014 is less than the CASATD balance on 1 st April 2014, Customer C did not meet Criteria 2. Page 7 of 15

8 Account PMA-i Premier 1 Yippie Fixed Deposit Balance on 1 st April 2014 Balance (RM) 1, , , , Total CASATD = PMA-i + Premier 1 + Yippie + Fixed Deposit Balance (RM) = 1, , , , = 36, Account PMA-i Premier 1 Yippie Fixed Deposit Balance (RM) 30, , , Total CASATD = PMA-i + Premier 1 + Yippie + Fixed Deposit (Closed) Balance (RM) = 30, , , = 34, Summary of Campaign Mechanics for Reward 1 (Conventional and Islamic) End of the Campaign Period & CASAFD / CASATD on 31/7/2014 Baseline for Participating Account (Criteria 1) = Average daily balance from 1/2/2014 till 28/2/2014 Payment Period 1/2/2014 1/4/2014 1/6/ /7/2014 I I I I I I I /3/2014 1/5/2014 1/7/2014 Sep 2014 Calculation Period (Campaign ADB) = Sum of Participating account balance from 1 st Mar until 31 st Jul days CASAFD (Conventional) and CASATD (Islamic) = Outstanding balance as at 28/2/2014 Additional Interest/Dividend 16. Participating account(s) that fulfills Criteria 1 and Criteria 2 will be entitled to the additional tiered interest/dividend of up to 1.25% p.a. 17. The maximum payout for the additional interest/dividend will be capped at RM1.0 million Incremental ADB for each eligible participating account. 18. The additional interest/dividend will be credited to customer s eligible participating account(s) within two (2) months after the end of the Campaign Period i.e. by 30 th September Participating accounts closed during the Campaign Period will not be entitled to the additional interest/dividend. Page 8 of 15

9 20. Eligible customers must also maintain their account balances in the participating account(s) as of 31 st July 2014 until the date of interest/dividend crediting, i.e. 30 th September The tiered additional interest/dividend earned is accorded to the following tiers: a) Premier Mudharabah Account-i (PMA-i) only Incremental AB Growth Range RM0 RM4, RM5,000 RM50,000 Above RM50,000 RM100,000 Above RM100,000 RM500,000 Above RM500,000 RM1,000,000 Subsequent growth above RM1,000,000 Additional Rate Not Entitled 0.50% p.a. 0.80% p.a. 1.10% p.a. 1.25% p.a. Not Entitled b) Other participating products (Conventional and Islamic) Incremental AB Growth Range RM0 RM4, RM5,000 RM50,000 Above RM50,000 RM100,000 Above RM100,000 RM500,000 Above RM500,000 RM1,000,000 Subsequent growth above RM1,000,000 Additional Rate Not Entitled 0.30% p.a. 0.50% p.a. 0.70% p.a. 1.00% p.a. Not Entitled Example (PMA-i) Customer A s PMA-i Incremental ADB is RM40,000 where he fulfills Criteria 1 minimum requirement. Customer A also fulfills Criteria 2 where the total CASATD balance on 31 st July 2014 is higher than the CASATD balance on 28 th February Criteria 1 Customer A s PMA-i Incremental ADB is higher than RM5,000 Campaign ADB Baseline (Account average daily balance in February 2014) Incremental ADB RM50,000 RM10,000 RM50,000 RM10,000 = RM40,000 Criteria 2 Customer A s total CASATD balance on 31 st July 2014 is higher than the balance on 28 th February 2014 Account PMA-i Premier 1 Yippie Fixed Deposit Balance on 28 th February 2014 Balance (RM) 10, , , , Total CASATD = PMA-i + Premier 1 + Yippie + Fixed Deposit Balance (RM) = 10, , , , = 45, Page 9 of 15

10 Account PMA-i Premier 1 Yippie Fixed Deposit Balance (RM) 50, , , Total CASATD = PMA-i + Premier 1 + Yippie + Fixed Deposit (Closed) Balance (RM) = 50, , , = 54, The additional dividend earned by Customer A is: (a) Campaign ADB (Average daily balance for PMA-i during Campaign Period) RM50,000 (b) (-) Baseline (Average daily balance for PMA-i in February 2014) RM10,000 (a) (b) Incremental ADB for PMA-i RM40,000 Additional Rate Earned 0.50% Additional Dividend Earned RM40,000 x 0.50% x = RM83.84 Example (Other participating products) Customer B s Kawanku Incremental ADB is RM30,000 where he fulfills Criteria 1 minimum requirement. However, Customer B did not fulfill Criteria 2 as his total CASAFD balance on 31 st July 2014 is lower than the balance on 28 th February Customer B does not earn the additional interest. Criteria 1 Customer B s Kawanku Incremental ADB is higher than RM5,000 Campaign ADB Baseline (Account average daily balance in February 2014) Incremental ADB RM60,000 RM30,000 RM60,000 RM30,000 = RM30,000 Criteria 2 Customer B s total CASATD balance on 31 st July 2014 is lower than the balance on 28 th February 2014 Account Kawanku Maybank2u Savers Fixed Deposit Balance on 28 th February 2014 Balance (RM) 30, , , Total CASATD = Kawanku + Maybank2u Savers + Fixed Deposit Balance (RM) = 30, , , = 70, Account Kawanku Maybank2u Savers Fixed Deposit Balance (RM) 60, , Total CASAFD = Kawanku + Maybank2u Savers + Fixed Deposit (Closed) Balance (RM) = 60, , = 63, Page 10 of 15

11 Other Criteria 22. Deposits made for the incremental average daily balance shall only apply to fresh funds that are deposited into the eligible customer s participating account(s) during the Campaign Period. Fresh funds refer to funds that do not originate from an existing account(s) with Maybank. 23. Accountholder s eligibility and accumulated deposit growth will be tracked automatically by the Bank s system. No contest entry form or registration of participation is required. 24. Maybank Group s decision on all matters relating to the Campaign shall be final, conclusive and binding. No further correspondence, appeals, protests or attempts to dispute the same would be entertained in any event. 25. Deposits made for the incremental average daily balance shall only apply to fresh funds that are deposited into the eligible customer s participating account(s) during the Campaign Period. Fresh funds refer to funds that do not originate from an existing account(s) with Maybank. 26. Eligible customers may have a chance to qualify for the additional interest/dividend rate in more than one account as long as they fulfill the criteria set out in clauses 3 to 25 herein. Campaign Mechanics for Reward 2: Monthly Consolation and Monthly Grand Prizes 27. The Campaign also offers monthly consolation and monthly grand prizes. Monthly Consolation Prizes Month iphone 5S (16GB) Prizes Number of Winners ipad Air (16GB) March April May June July Monthly Grand Prizes (Every month for March, April, May, June and July 2014) Position Prize Number of winners Total winners in 5 per month months 1 st *24k Gold coin worth RM5, nd *24k Gold coin worth RM3, rd *24k Gold coin worth RM1, * Winners who are tagged as Aspire or Premier Wealth customers will win an additional RM1,000 cash prize, apart from the 24k gold coin. 28. To qualify for the draw of these prizes, customers will have to earn the entries. Page 11 of 15

12 29. To earn entries, eligible customers will need to have minimum balance outstanding in their accounts as stipulated in column (a) of Table The number of entries is differentiated by existing customers as per column (b), new customers as per column (c) and bonus entries for Islamic accounts as per column (d). 31. Entries are calculated and accorded at the end of every campaign month. Entries will not be brought forward for accumulation in the next month. Table 1 (a) Minimum Balance Outstanding in Account (b) Existing Customers Who have accounts before 1 st March 2014 (c) New Customers Who open accounts after 1 st March 2014 (d) Bonus Entries No. of entries for every multiple RM300 growth in a month Islamic Account RM5,000 RM50, Additional 5 More than RM50,000 RM100, More than RM100,000 RM500, More than RM500,000 and above entries for every multiple RM300 growth 32. Each multiple of RM300 monthly growth will entitle customers to entries. This monthly growth will be measured by the Month End Balance minus the Opening Month Balance based on the dates with the corresponding campaign months as follows:- Campaign Month Opening Month Balance Date Month End Balance Date March th February st March 2014 April st March th April 2014 May th April st May 2014 June st May th June 2014 July th June st July 2014 Illustration A Opening Month Balance as at 28 th February 2014 Month End Balance as at 31 st March 2014 RM5,000 RM5,300 Monthly growth of RM300 Customer is qualified for entries Page 12 of 15

13 Illustration B Opening Month Balance as at 28 th February 2014 Month End Balance as at 31 st March 2014 RM5,000 RM4,900 There is no growth but a reduction of RM100 Customer is NOT qualified for entries Illustration C Opening Month Balance as at 28 th February 2014 Month End Balance as at 31 st March 2014 RM5,000 RM5,500 Monthly growth of RM500, which is more than the minimum required RM300 Customer is qualified for entries 33. The minimum RM300 monthly growth for entries may comprise of the total combined deposit growth generated by one or more of the participating Conventional and Islamic current and savings accounts as listed in clauses 4 and 5 above. 34. The eligible participants entries will be automatically tracked by Maybank s system. 35. No campaign entry form or registration is required. 36. Winners will be randomly selected on a monthly basis. 37. Eligible participants may have a chance to win more than once (in different months) as long as they fulfill the criteria stipulated in clauses 22 to 26 above. Page 13 of 15

14 38. Eligible participants who qualify for Reward 1 are also eligible to be in the running to win Reward An eligible participant who closes his/her account(s) before the selection of the Winner is completed and announced shall not be entitled to receive any prize under the Campaign. 40. The Bank reserves the right to change the prize due to circumstances beyond its control and to offer an alternative of similar value. 41. The Bank s decision on all matters relating to the Campaign shall be final, conclusive and binding. No further correspondence, appeals, protests or attempts to dispute the same would be entertained in any event. 42. Winners may be required to attend the prize presentation ceremony and other public programmes as and when required. 43. All Winners names w i l l be published in the maybank2u.com website and any other method of communication that the Bank shall choose. 44. The Bank reserves the right to forfeit the prize and disqualify the eligible participants in the event of a reversal of transactions or cancellation or termination of the transaction and/or account during the Campaign Period and/or failure to comply with any of the terms and conditions herein. 45. T h e B a n k reserves the right to withdraw, cancel, suspend, extend or terminate this Campaign earlier in whole or in part and the Bank reserves the right to vary, supplement, delete, amend or modify any of the Terms and Conditions from time to time by giving at least minimum of twenty one (21) days prior notice thereof and the notice shall be posted through Maybank2u website at or through any other channel or channels that the Bank may deem as appropriate. 46. In no event shall the Bank nor any of its officers, servants, employees, representatives and/or agents (including without limitation, any third party service providers engaged by Maybank for purposes of the Campaign) be liable to participants in this Campaign for any direct, indirect, special or consequential loss or damage (including but not limited to, loss of income, profits or goodwill) arising from or in connection with this Campaign. 47. These terms and conditions shall be governed by the laws of Malaysia, and all accountholders who participate in the Campaign shall be deemed to have agreed to submit to the exclusive jurisdiction of the Malaysian Courts. 48. By participating in the Campaign, eligible participants hereby expressly agree to be bound by these Terms & Conditions. 49. The customers also agree and consent to such details including without limitation personal data or information being collected, processed and used by Maybank and Maybank Islamic for: a) The purposes of the Campaign; Page 14 of 15

15 b) Marketing and promotional activities conducted in such manner as Maybank and MIB see fit in any media including but not limited to any form of advertising or publicity media and materials such as audio and/or visual recordings published through newspapers, television networks, radio stations or online and digital media and on the Internet, without further express consent from the customers. Marketing and promotion activities includes without limitation the use and/or publication of any details provided in and/or in connection to the entries, interviews material as well responses and related photographs. In this regard, each customer agrees to cooperate and participate without further express consent and/or payment or consideration, in all reasonable advertising and publicity activities of Maybank and MIB in relation to the Campaign. 50. All prizes for the Campaign will be presented within three (3) months after the announcement of the winners is made on the Maybank2u.com website and any other method of communication. 51. All prizes are neither transferable nor exchangeable and are subject to the Terms and Conditions stated herein and any prizes unclaimed three (3) months after notification and announcement of Winners via Maybank2u.com website will be forfeited. 52. All Winners of the Campaign shall be personally liable for all taxes, rates, government fees or any other charges that may be levied against them under the applicable laws, if any, and installation costs, where applicable in relation to the prizes and the Campaign. 53. To the fullest extent permitted by law, the Bank shall not be held liable for whatsoever loss or damages howsoever arising in connection with the Campaign. The Bank shall not be liable for any default in respect of the Campaign due to any act of God, war, riot, strike, lockout, industrial action, fire, flood, drought, storm or any event beyond the reasonable control of the Bank. 54. The Bank shall inform the Customers via the internet portal maybank2u.com of any amendments to the Terms and Conditions, or prizes, to extend, shorten, cancel, terminate or suspend the Campaign and to effect any adjustments, forfeitures or disqualifications of the Campaign entries acquired by the accountholders without being liable to the accountholders for any loss or damages howsoever suffered or incurred by the accountholders as a direct or indirect result of the exercise by the Bank of any of its rights reserved herein within twenty one (21) days of the incorporation of the said amendments. Call , visit any Maybank/Maybank Islamic branch or log on to for more details. Page 15 of 15

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