THE GOLDEN HORSE TRIPLE REWARDS CAMPAIGN TERMS & CONDITIONS ( T&C ) 1. CAMPAIGN PERIOD This Campaign shall commence from 20 th January 2014 until 20 th April 2014, both dates inclusive ( Campaign Period ). 2. ELIGIBILITY The campaign is open to all eligible customers of MBSB ( Eligible Customers ) meeting the following criteria:- (a) (b) All new and existing MBSB account holders (both residents and non-residents) of the Conventional Retail Business segment. Deposit placement must be made from fresh funds only. Transferred funds from any existing fixed deposit or savings account within MBSB are not eligible for the campaign. (c) Deposit of a minimum RM 80,000 in Individual Fixed Deposit and RM 20,000 equivalent in Wise Saver Account or also known as Normal Savings Account to be eligible for the campaign. The following are excluded from participating in the Campaign:- (a) (b) (c) (d) (e) Commercial, corporate, sole proprietorships, partnerships, charitable / non-profit organizations, societies, schools and companies. Permanent and / or contract employees of MBSB and their immediate family members (both residents and non-residents) Customers whose account(s) are dormant or terminated during the Campaign Period; Customers whose account(s) are delinquent, involved in fraudulent transactions, suspected under Anti-Money Laundering related matters and any other breaches which warrant MBSB to take appropriate actions; or Customers who are insolvent, deceased, suffering from mental illness or of unsound mind or having legal action instituted against them; TERMS & CONDITIONS - THE GOLDEN HORSE TRIPLE REWARDS CAMPAIGN 1
3. ELIGIBILE PRODUCTS The Campaign is only applicable to the following conventional deposit products:- (a) (b) Individual Fixed Deposit; and Wise Saver Account Terms and Conditions applicable to each Eligible Products shall apply. (iii) No pre-registration, SMS or entry form is required. Eligible Customers shall be automatically registered for this Campaign. 4. PROMOTION PACKAGE Under the campaign, the Eligible Customers during the Campaign Period will enjoy a preferred rate of 4.05% per annum for their fixed deposit placement in Individual Fixed Deposit account. The interest payment on Individual Fixed Deposit will be paid upfront instead of upon maturity. For any deposit placement made by cash, the interest payment will be credited automatically into Wise Saver Account on the next working day of fixed deposit placement. For any deposit placement made by cheque, the interest payment will be credited into Wise Saver Account upon cheque clearance. (iii) Gold wafer will be offered for 1,000 Eligible Customers who participate in this campaign while stocks last. 5. CONDITION OF THE CAMPAIGN The Eligible Customers will be entitled for the special campaign features as provided in the item 4 hereof with the following conditions:- (a) Deposit must be maintained at a ratio 80:20 for Individual Fixed Deposit and Wise Saver Account as per account basis. The Eligible Customers are entitled for a promotional rate of 4.05% per annum for Individual Fixed Deposit and 2.25% per annum for Wise Saver Account. (b) The tenure of deposit placement in Individual Fixed Deposit and Wise Saver Account shall be for a minimum placement of twelve (12) months. (c) Should there be premature withdrawal either from Individual Fixed Deposit or Wise Saver Account for any part or parts thereof, the Eligible Customers will not be entitled for any benefit provided under this campaign. TERMS & CONDITIONS - THE GOLDEN HORSE TRIPLE REWARDS CAMPAIGN 2
In addition, the amount of RM 170 being actual cost incurred to purchase gold wafer will be deducted from the savings account upon upliftment/ withdrawal. (d) Under the premature upliftment / withdrawal, the terms and conditions applicable for premature upliftment / withdrawal of Individual Fixed Deposit shall apply as follows:- i) Premature redemption refers to redemption prior to maturity date. ii) iii) Any premature withdrawal will be charged penalty half the interest rate from the maturity period applicable for the completed month at the point of placement. No interest to be paid under the following circumstances- a) Any investment placed for periods of one (1), two (2), or three (3) months that has not completed the full period. b) Any investment placed for periods exceeding three (3) months where the said placement is uplifted before the completion of three (3) months. 6. GENERAL (iii) (iv) (v) (vi) By participating in the campaign, Eligible Customers agrees to be bound by the Campaign Terms & Conditions. MBSB will take into consideration the status of the Eligible Customer`s Account(s) without limitation such as non-violation of Campaign Terms and Conditions of the Campaign, nonviolation of the Terms & Conditions of the Account(s) and the Account(s) must be active and in good credit standing. MBSB reserves the right to discontinue this Campaign once the total accumulated fund size during the Campaign Period reaches RM 300,000,000. MBSB reserves the right to amend these Terms & Conditions. Any amendments of these Terms & Conditions will be notified to the Customers through any mode or method as MBSB deems suitable including but without limitation by post, notification in the mass media, by posting the notice at MBSB`s branches or by posting at the MBSB`s website. Any changes to the Terms & Conditions will not affect the participation of the Eligible Customers in the Campaign. MBSB reserves the right to determine the duration of this campaign. MBSB further reserves the right to suspend, withdraw or terminate this Campaign without assigning any reasons whatsoever. Any cancellation, termination, suspension or extension of the Campaign Period shall not entitle the Eligible Customer to any form of claims or compensations against MBSB for any losses or damages suffered or incurred by the said Customer whether directly or indirectly. In the event of any discrepancies, ambiguities or disputes in the interpretation of any Campaign Terms and Conditions herein in any language, the English version shall prevail. TERMS & CONDITIONS - THE GOLDEN HORSE TRIPLE REWARDS CAMPAIGN 3
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THE GOLDEN HORSE TRIPLE REWARDS CAMPAIGN TERMS & CONDITIONS ( T&C ) 7. CAMPAIGN PERIOD This Campaign shall commence from 20 th January 2014 until 20 th April 2014, both dates inclusive ( Campaign Period ). 8. ELIGIBILITY (iii) The campaign is open to all eligible customers of MBSB ( Eligible Customers ) meeting the following criteria:- (d) (e) All new and existing MBSB account holders (both residents and non-residents) of the Conventional Retail Business segment. Deposit placement must be made from fresh funds only. Transferred funds from any existing fixed deposit or savings account within MBSB are not eligible for the campaign. (f) Deposit of a minimum RM 80,000 in Individual Fixed Deposit and RM 20,000 equivalent in Wise Saver Account or also known as Normal Savings Account to be eligible for the campaign. (iv) The following are excluded from participating in the Campaign:- (f) (g) (h) (j) Commercial, corporate, sole proprietorships, partnerships, charitable / non-profit organizations, societies, schools and companies. Permanent and / or contract employees of MBSB and their immediate family members (both residents and non-residents) Customers whose account(s) are dormant or terminated during the Campaign Period; Customers whose account(s) are delinquent, involved in fraudulent transactions, suspected under Anti-Money Laundering related matters and any other breaches which warrant MBSB to take appropriate actions; or Customers who are insolvent, deceased, suffering from mental illness or of unsound mind or having legal action instituted against them; TERMS & CONDITIONS - THE GOLDEN HORSE TRIPLE REWARDS CAMPAIGN 5
9. ELIGIBILE PRODUCTS (iv) The Campaign is only applicable to the following conventional deposit products:- (c) (d) Individual Fixed Deposit; and Wise Saver Account (v) Terms and Conditions applicable to each Eligible Products shall apply. (vi) No pre-registration, SMS or entry form is required. Eligible Customers shall be automatically registered for this Campaign. 10. PROMOTION PACKAGE (iv) (v) Under the campaign, the Eligible Customers during the Campaign Period will enjoy a preferred rate of 4.05% per annum for their fixed deposit placement in Individual Fixed Deposit account. The interest payment on Individual Fixed Deposit will be paid upfront instead of upon maturity. For any deposit placement made by cash, the interest payment will be credited automatically into Wise Saver Account on the next working day of fixed deposit placement. For any deposit placement made by cheque, the interest payment will be credited into Wise Saver Account upon cheque clearance. (vi) Gold wafer will be offered for 1,000 Eligible Customers who participate in this campaign while stocks last. 11. CONDITION OF THE CAMPAIGN The Eligible Customers will be entitled for the special campaign features as provided in the item 4 hereof with the following conditions:- (d) Deposit must be maintained at a ratio 80:20 for Individual Fixed Deposit and Wise Saver Account as per account basis. The Eligible Customers are entitled for a promotional rate of 4.05% per annum for Individual Fixed Deposit and 2.25% per annum for Wise Saver Account. (e) The tenure of deposit placement in Individual Fixed Deposit and Wise Saver Account shall be for a minimum placement of twelve (12) months. (f) Should there be premature withdrawal either from Individual Fixed Deposit or Wise Saver Account for any part or parts thereof, the Eligible Customers will not be entitled for any benefit provided under this campaign. TERMS & CONDITIONS - THE GOLDEN HORSE TRIPLE REWARDS CAMPAIGN 6
In addition, the amount of RM 170 being actual cost incurred to purchase gold wafer will be deducted from the savings account upon upliftment/ withdrawal. (d) Under the premature upliftment / withdrawal, the terms and conditions applicable for premature upliftment / withdrawal of Individual Fixed Deposit shall apply as follows:- i) Premature redemption refers to redemption prior to maturity date. ii) iii) Any premature withdrawal will be charged penalty half the interest rate from the maturity period applicable for the completed month at the point of placement. No interest to be paid under the following circumstances- c) Any investment placed for periods of one (1), two (2), or three (3) months that has not completed the full period. d) Any investment placed for periods exceeding three (3) months where the said placement is uplifted before the completion of three (3) months. 12. GENERAL (vii) By participating in the campaign, Eligible Customers agrees to be bound by the Campaign Terms & Conditions. (viii) MBSB will take into consideration the status of the Eligible Customer`s Account(s) without limitation such as non-violation of Campaign Terms and Conditions of the Campaign, nonviolation of the Terms & Conditions of the Account(s) and the Account(s) must be active and in good credit standing. (ix) (x) (xi) MBSB reserves the right to discontinue this Campaign once the total accumulated fund size during the Campaign Period reaches RM 300,000,000. MBSB reserves the right to amend these Terms & Conditions. Any amendments of these Terms & Conditions will be notified to the Customers through any mode or method as MBSB deems suitable including but without limitation by post, notification in the mass media, by posting the notice at MBSB`s branches or by posting at the MBSB`s website. Any changes to the Terms & Conditions will not affect the participation of the Eligible Customers in the Campaign. MBSB reserves the right to determine the duration of this campaign. MBSB further reserves the right to suspend, withdraw or terminate this Campaign without assigning any reasons whatsoever. Any cancellation, termination, suspension or extension of the Campaign Period shall not entitle the Eligible Customer to any form of claims or compensations against MBSB for any losses or damages suffered or incurred by the said Customer whether directly or indirectly. (xii) In the event of any discrepancies, ambiguities or disputes in the interpretation of any Campaign Terms and Conditions herein in any language, the English version shall prevail. TERMS & CONDITIONS - THE GOLDEN HORSE TRIPLE REWARDS CAMPAIGN 7
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