Total Banking Relationship Cash Back Campaign 1 December February 2015 Terms & Conditions

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1 Total Banking Relationship Cash Back Campaign 1 December February 2015 Terms & Conditions Alliance Bank Malaysia Berhad (88103-W) December 2014).v2

2 Section A: ELIGIBILITY 1. The Alliance Bank Malaysia Berhad ( ABMB ) and Alliance Islamic Bank Berhad ( AIS ) Total Banking Relationship Cash Back Campaign ( Campaign ) will run from 1 Dec 2014 to 28 February 2015 both dates inclusive ( Campaign Period ) or such other period(s) determined at the sole discretion of ABMB and AIS. 2. This Campaign is open to ABMB and AIS s individual customer(s) ( Eligible Customer ) who is new / existing customer with: a) A principal credit card holder from Classic credit card and above, AND/OR b) A primary current account / savings account holder. 3. The following individuals shall however not be eligible for this Campaign: a) Permanent and contract employees of ABMB/AIS, its subsidiaries, related companies and agents (including advertising and promotion agents) and their immediate family members; b) Customers whose account(s) with ABMB/AIS have been suspended or terminated within the Campaign Period or who have breached any other agreements with ABMB/AIS; c) Customers whose account(s) with ABMB/AIS are, at ABMB/AIS sole and absolute discretion, classified or considered delinquent or unsatisfactorily conducted; d) Persons who are or, deceased persons, bankrupts or persons who have legal proceedings of any nature instituted against them; or e) Any other persons as ABMB/AIS may decide to exclude at its sole and absolute discretion without furnishing any reason(s) therefore. 4. Eligibility criteria: To be eligible for the rewards of this Campaign, the eligible customers must satisfy the following criteria: a) Customer must hold a principal credit card from Classic credit card and above AND/OR a primary current account / savings account b) Customer must fulfill the product requirements as stated by each of the participating products in Section B below. c) This campaign shall not be applicable with any other on-going programmes, campaigns or promotions. 5. Condition a) The Cash Reward(s) will be credited into the Eligible Customers active principal Credit Card Account with ABMB. If the Eligible Customers do not have any Credit Card facility with ABMB, the Reward(s) will be credited into the Eligible Customers primary Current Account/Savings Account maintained with ABMB/AIS. b) The Cash (if any) for each participating product will have a varied timeline for rewards payment. Kindly refer to the respective products conditions in Section B below. c) Eligible customer shall maintain an active principal credit card and/or primary current account / savings account at all times to facilitate the crediting of rewards. The bank shall not entertain any eligible customer who has closed his/her credit card and/or current account / savings account intentionally/unintentionally. d) Only Eligible Customers with registered mobile number with ABMB will be notified via SMS when the Reward(s) has/have been credited into their respective active primary Credit Card Account with ABMB or primary Current Account/Savings Account facility maintained with ABMB/AIS.

3 SECTION B : PARTICIPATING PRODUCTS PROMOTIONS The Participating Products are as follows: Mortgage Auto Financing Personal Financing Wealth Management (Investment and Bancassurance) ABMB Share Trading and Margin Account ABMB Share Margin Account (for Margin Utilisation) AIBB Share Trading and Margin Account Credit Card and Debit Card Mortgage 1. The Campaign is only applicable to all Home Financing and Commercial Property Financing under Individual Name (excluding staff home financing(s), conversion and restructuring of financing(s) for residential and/or commercial property (ies)). 2. The minimum financing amount for this campaign starts from RM100,000 and above. Any financing that is below the minimum amount shall not be entitled for the campaign. 3. To be entitled for the cash reward, customer must apply for the mortgage financing and accept the Letter of Offer during the campaign period. Disbursement must be made by 29 February Cash back will be rewarded between 8 to 12 weeks after the financing s first disbursement date. 5. Customers who fall under the *'Home Financing Cash Back Campaign for Completed Property' are not eligible for this campaign. 6. Under joint application, priority is given to the financing s principal applicant when fulfillment of the cash reward is made. Applicant must fulfill rewards conditions as set out in Section A, clause 5 (a). 7. Below are the Mortgage Financing Tier and table Mortgage Financing Tier RM100,000 to RM300, RM300,001 to RM500, RM500,001 to RM1,000, RM1,000,001 and above 800 For more information on Home Financing Cash Back Campaign for Completed Property, kindly contact your sales advisor or visit the nearest branch.

4 Auto Financing 1. The Campaign is open to all new Auto Financing-Conventional and Auto Financing-i (Aitab) applicants of both passenger and commercial vehicle. 2. The minimum financing amount for this campaign starts from RM50,000 and above. Any financing that is below the minimum amount shall not be entitled for participation in the campaign. 3. To be entitled for the cash reward, auto financing application must be applied and approved during the campaign period. Disbursement must be made by 31 May Cash back will be rewarded between 8 to 12 weeks after the financing disbursement date. 5. Below are the Auto Financing Tier and table Personal Financing Auto Financing Tier 1. The Campaign is open to all new Alliance CashFirst Personal Financing and Alliance CashVantage Personal Financing-i applicants. 2. The minimum financing amount for this campaign starts from RM10,000 and above. Any financing that is below the minimum amount shall not be entitled for participation in the campaign. 3. To be entitled for the cash reward, personal financing must be applied, approved and disbursed during the campaign period. 4. Cash back will be rewarded between 8 to 12 weeks after the disbursement date. 5. The customers must maintain the personal financing account with the Bank for a minimum period of (twelve) 12 months, failing which; the Cash Reward will be forfeited upon early settlement. 6. Below are the Personal Financing Tier and table RM50,000 to RM100, RM100,001 to RM200, RM200,001 to RM300, RM300,001 and above 800 Personal Financing Tier RM10,000 to RM30, RM30,001 to RM50, RM50,001 to RM80, RM80,001 and above 800 Wealth Management (WM) (Investment: Unit Trust (UT) and Bancassurance: Single Premium (SP); Regular Premium (RP)) 1. Invest in any of the participating products detailed under WM Investment (for UT: all open-ended funds from ABMB preferred partners with minimum sales charge of 2.5%) and Bancassurance. 2. To be entitled for the cash reward, customer can opt for any kind of combinations and/or single purchase of UT and/or Bancassurance products during the campaign month.

5 3. Purchases of UT under the Employees Provident Fund (EPF) Investment Scheme are excluded from this Campaign. 4. In the event the Eligible Customers select to unsubscribe or cancel the investments in any one of the Wealth Management products during the cooling-off period as stipulated in the related prospectus, the Eligible Customers will not be entitled to the Cash Reward(s). a. UT Cooling Off The cooling-off right shall only be exercisable once and to the Eligible Customers who are investing in any UT with ABMB for the first time. (Note: The cooling-off right shall still be exercisable for first time investments with ABMB in respect of other funds). Once the cooling-off right is exercised by the Eligible Customers, the Eligible Customers will only receive the refund of the UT investment amount and the previously paid UT up-front charge. The cooling-off period is a period of six (6) business days commencing from the date of purchase of the UT unless as stipulated otherwise in the related prospectus. Business day refers to every official working day of the week in Kuala Lumpur between and including Monday to Friday and do not include public holidays and weekends. b. Bancassurance Cooling Off For traditional life insurance products: Standard fifteen (15) days cooling off period applies for policy purchased under this Campaign. Eligible Customer has the right to return the policy to the insurance company within fifteen (15) days from the date of delivery of the policy document. Once the Eligible Customer exercises the cooling off right, the Eligible Customer will receive the refund of the full premium paid, after deducting medical expenses (if any) incurred by insurance company for issuing the policy. For investment-linked insurance products: Standard fifteen (15) days cooling off period applies for policy purchased under this Campaign. Eligible Customer has the right to return the policy to the insurance company within fifteen (15) days from the date of delivery of the policy document. Once the cooling off right is exercised by the Eligible Customer, the Eligible Customer will receive the refund of the account value established on the valuation date immediately following the date the cooling off notice is received and approved by insurance company, together with the policy charges that have been deducted less any expenses which may have been incurred for any medical examination for issuing the said policy. 5. Bancassurance Eligible Customer must be the policy owner of Bancassurance product purchased under this Campaign. 6. Bancassurance policies must be issued latest by <15 March 2015>. 7. To be entitled for the cash reward, customer can opt to either accumulate the Bancassurance regular premium amount or purchase a single premium in the same month during the campaign period. 8. For Regular Premium products, all premium payment must be paid annually. 9. Only applicable to life insurance policies underwritten by Manulife Insurance Berhad ( Manulife ). 10. Manulife must receive the premium payment in the case of payments by cheques or account transfer before Eligible Customers are entitled to the Reward(s) under this Campaign. For credit card or auto debit payments, a completed form has to be submitted to Manulife.

6 11. Customers are entitled to only participate in one campaign by the bank at any one time. Wealth Management Tier & Wealth Management Tier Monthly RM50,000 to RM100, RM100,001 to RM200, RM200,001 to RM400, RM400,001 and above 800 Note: The maximum reward for Wealth Management is up to RM 4,000, which is rewarded to a multiple of 5 (five) times of RM 400,000 investment per month. For example, an eligible customer who invest RM 2,000,000 (5 (five) times of RM 400,000 investment) a month will receive RM 4,000 (5 (five) times of RM 800 monthly reward) as their cash reward. ABMB Share Trading and Margin Account (for share trading (buy and sell) transactions) 1. The campaign is open to all existing and new Direct Model Account i.e. Margin Account, Margin Plus Trading Account and Portfolio Lending Account, ESOS/IPO Financing Account, Collaterised Trading Account and T7 Trading Account. (excludes Cash Trading Account) 2. Applicable to all phone trade as well as online trade transacted through during the campaign period. 3. Intraday transaction will be excluded. 4. Trading/ Turnover computation will exclude contract of brokerage fee lower than 0.21%. 5. The cash rewards will be based on total buy and sell transactions transacted through the account during the campaign period. 6. In the event that client have more than one (1) trading account, the trading/ turnover (buy and sell of shares) generated from other accounts would not be amalgamated to contribute to the calculation of the total trading/ turnover within the campaign period. 7. Cash back will be rewarded between 8 to 12 weeks after the Campaign Period. 8. Trading / turnover Tier &. ABMB Share Trading and Margin Account (Trading / Turnover Tier) RM100,000 to RM300, RM300,001 to RM600, RM600,001 to RM1, 200, RM1,200,001 to RM2,400, RM2,400,001 and above 800

7 ABMB Share Margin Account (for Margin Utilisation) 1. The campaign is open to new to the bank or new to the product client who has Direct Model Account i.e. Margin Account, Margin Plus Trading Account and Portfolio Lending Account, ESOS/IPO Financing Account and the account must be approved and enforced within the campaign period. 2. The rewards will be based on the margin utilisation. The calculation of margin utilisation is the average financing outstanding for ninety (90) days from account opening date. The formula is as follows Margin Utilisation = Daily outstanding financing from account activation date up to the 90 th day 90 days. 3. Cash back will be rewarded between 8 to 12 weeks after the 90th day of the account activation date. ABMB Share Margin Account (Margin Utilisation Tier) RM100,000 to RM300, RM300,001 to RM600, RM600,001 to RM1, 200, RM1,200,001 to RM2,400, RM2,400,001 and above 800 Average utilisation within period of 90 days from the date of account activation (Based on Stockbanking system). AIBB Share Trading and Margin Account (for share trading (buy and sell) transactions) 1. The campaign is open to all existing and new Retail Account, Securities Account and Margin Account customers. 2. Trade must be done through placed through Online channel only i.e. e-allianceshare. 3. Intraday transaction will be excluded. 4. Trading/ Turnover computation will exclude contract of brokerage fee lower than 0.21%. 5. The rewards will be based on total buy and sell transactions transacted through the account during the campaign period. 6. In the event that client has more than one (1) trading account, the trading/turnover generated from other accounts would not be amalgamated to contribute to the calculation of the total trading/ turnover within the campaign period. 7. Cash back will be rewarded between 8 to 12 weeks after the Campaign Period. 8. AIBB Share Trading/Turnover Tier &. AIBB Share Trading and Margin Account (Trading /Turnover Tier) RM100,000 to RM300, RM300,001 to RM600, RM600,001 to RM1,200, RM1,200,001 to RM2,400, RM2,400,001 and above 800

8 Credit Card and Debit Card 1. This Campaign is open to all new and existing, Principal and Supplementary ABMB Credit Card and ABMB and/or AIS Debit Cardmembers ("Cardmembers") whose account(s) are valid, active and in good credit standing as may be determined by ABMB/AIS at its sole and absolute discretion. 2. Campaign participation is automatic for the Cardmembers subject to fulfilment of the Terms and Conditions herein. No pre-registration, short messaging service ( SMS ) or entry form are required. 3. For avoidance of doubt: a. The benefits of all charges incurred by Supplementary Cardmembers in respect of the Campaign shall accrue to the Principal Cardmember provided that the account of the Principal Cardmember is valid, subsisting and in good credit standing; b. Termination of a Supplementary Cardmembers accounts shall not by itself disqualify the Principal Cardmembers from the Campaign. 4. The following shall not be eligible for the Campaign: a. Employees from ABMB/AIS and their immediate family members and employees of ABMB/AIS partners including advertising, promotion and printing agencies and any other persons involved in organising, promoting and/or conducting this Campaign; b. Principal Cardmembers whose account(s) are terminated during the Campaign Period; c. Any accounts held with ABMB/AIS that are deemed to be delinquent or unsatisfactorily conducted at ABMB/AIS sole and absolute discretion; d. Person who are of unsound mind, minors or bankrupts; e. Any other persons as ABMB/AIS may decide to exclude at its sole and absolute discretion without notice and without assigning any reason(s) thereof. 5. To qualify for the Cash Back of Ringgit Malaysia Fifty (RM50) ( the Cash Back ) during the Campaign Period, Cardmembers who meet the minimum spend of RM350 in a single retail transaction ( Qualifying Transaction ) will stand a chance to receive the Cash Back on a first come, first serve basis but subject always to availability of the Cash Back allocation stipulated under Clause 7 herein below. 6. The maximum amount of Cash Back that shall be given out throughout the whole of the Campaign Period is Ringgit Malaysia Nine Hundred Thousand (RM900,000) only and capped at the maximum amount of Ringgit Malaysia Ten Thousand (RM10,000) per day on a first come, first serve basis. ABMB shall cease giving out the Cash Back upon maximising the aforementioned allocated amount. 7. Each of the Cardmembers is capped at a maximum of RM100 Cash Back only per Qualifying Period. 8. For the avoidance of doubt, the Qualifying Periods, Number of Cash Back and Total Cash Back Value throughout the Campaign Period are as follows: Qualifying Periods Number of Cash Back Cash Back Value 1 December 2014 to 31 December ,200 RM310,000 1 January 2015 to 31 January ,200 RM310,000 1 February 2015 to 28 February ,600 RM280,000 Total Cash Back RM900, Qualifying Transactions includes all retail transactions both local and overseas charged to any of the Cardmember s ABMB Credit Card, or ABMB and/or AIS Debit Card. Instalment Payment Plan (IPP) transactions are treated as one (1) transaction based on the full initial amount of the retail transaction.

9 For avoidance of doubt, in the case of Debit Cards, only point of sales retail transactions done through the MasterCard network is eligible. Qualifying Transactions in foreign currencies are based on post conversion amount to Ringgit Malaysia as shown in ABMB s transaction records only. Qualifying Transactions shall exclude Cash Advance, any fees and charges such as Finance Charges, Late Charges, Annual Fees, Split and/or Void Transactions, Reversals, Balance Transfer, Fast Cash, Online Transactions, Insurance Transactions and Credit Card Service Tax and e-debit transactions on Debit Card. 10. The Qualifying Transactions made during the Campaign Period must be captured and posted in ABMB/AIS system within the Campaign Period in order to qualify for the Campaign. All Qualifying Transactions as recorded by ABMB/AIS are final, conclusive and binding on all Cardmembers. 11. ABMB/AIS reserves the right to disqualify any Cardmember from participating in this Campaign and/or from receiving the Cash Back won by any Cardmember: a. Where the minimum payment under any of the Cardmember s Credit Card account is overdue for thirty (30) days or more or; b. Where the Cardmember s Credit Card and/or Debit Card account(s) is suspected to have been operated fraudulently and/or unlawfully or; c. Where the Cardmember s Credit Card and/or Debit Card account(s) is closed by ABMB/AIS for any reason whatsoever. 12. There will be a total of eighteen thousand (18,000) number of Cash Back awarded throughout the Campaign Period. 13. The Cash Back will be awarded to the Cardmembers in the form of a Cash Back to the Cardmembers Credit Card or Debit Card account within eight (8) weeks from the winner announcement date. 14. During the Campaign Period, Cardmember(s) Card account(s) must be in current and good credit standing and not in breach of any of the terms of the ABMB VISA/MasterCard Card Agreement to be entitled to any Cash Back. In the event the Card is cancelled, blocked or terminated after the Cash Back is credited into the Winner(s) Card account, any remaining credit balance of the Cash Back will not be refunded to the Cardmember and will be forfeited by ABMB. 15. The Cash Back(s) are non-transferable and non-exchangeable for cash, cheque, credit or in kind. The Bank s decision on all matters relating to this Campaign shall be final and binding and no correspondence, appeal or attempt to dispute the same would be entertained. ABMB shall not entertain any request from any of the Cardmembers or any other persons whosoever to credit the Cash Back won to any third party s account or other accounts of the Cardmembers which are not related to the Card. 16. ABMB reserves the right to substitute the Cash Back with a different product of similar value at any time with prior notice. 17. The winners will be announced on ABMB s corporate website after the date of the crediting of the Cash Back. 18. The winners of the Campaign shall personally bear and be responsible for ALL incidental costs relating to the prizes including but not limited to any applicable taxes, insurance payments, registration fees, processing fees and all other expenses not indicated herein. 19. ABMB does not accept any liability whatsoever (including but not limited to negligence) with respect to death, injury, any losses, damages or accidents arising from the use of the prizes won by the winners.

10 SECTION C: General 1. This Campaign s Terms shall be in addition and without prejudice to any one or more of the existing terms and conditions governing your current account and/or savings account, investment and other accounts maintained with ABMB/AIS [ the Existing Terms ]. In the event of any conflict, inconsistency or discrepancy between this Campaign s Terms and the Existing Terms, then this Campaign s Terms shall prevail but to the extent of such conflict, inconsistency or discrepancy thereof only. 2. The Eligible Customers shall, by virtue of their participation in this Campaign, be deemed to have agreed to be bound by this Campaign s Terms and unequivocally accept the same in their entirety. 3. All decisions made by ABMB/AIS in respect of this Campaign shall be final and no appeal or correspondence in respect thereof shall be entertained. 4. Any matters that are not covered under this Campaign s Terms shall be determined by ABMB/AIS at its absolute discretion. 5. ABMB/AIS reserve the right at any time to amend, delete or add this Campaign s Terms and Conditions at any time at its absolute discretion; and such additions, variations and modifications shall be posted from time to time with prior notice in the Bank and/or advertised in the press and the website. For the current version of this Campaign s Terms, please visit our website at from time to time. 6. For the avoidance of doubt, on any cancellation, termination, suspension or extension of the Campaign Period shall not entitle the Eligible Customers to any claims, demands or compensations whatsoever against ABMB/AIS for any losses or damages whatsoever suffered or incurred by the Eligible Customers and whether arising as a direct or indirect result of such act of cancellation, termination, suspension or extension. 7. ABMB/AIS shall not be responsible nor shall accept any liabilities of whatsoever nature and howsoever arising or suffered by the Eligible Customers resulting directly or indirectly from this Campaign.

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