TERMS AND CONDITIONS Credit Card Campaign: Barry Smith Luggage Bag

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1 1. CAMPAIGN The ( Campaign ) is organized by Bank Simpanan Nasional ( BSN ) shall commence from 1 December 2015 and ends on 29 February 2016, (both dates inclusive) unless notified otherwise ( Campaign Period ). 2. ELIGIBILITY 2.1 This Campaign is exclusively for New-To-Bank ( NTB ) Customer who during the Campaign Period applies for the BSN Visa Platinum Credit Card/-i or BSN Visa Gold Credit Card/-i (non-applicable to Co-Brand Cards). For the purpose of this Campaign, NTB Customer refers to individual who does not have any credit card account with BSN ("NTB Customer") NTB Customer who performs cumulative minimum spend of RM2,500 and/or RM1,500 within forty five (45) days from the credit card approval date is entitled to participate under this Campaign and/or win the Gift offered. 2.3 Only Principal Cardholders are eligible to participate and to win Gifts which are being offered in this Campaign. However, retail transaction(s) for the Supplementary Cardholder s will be aggregated to Principal Cardholder s credit card/-i account for the purpose of the Campaign entries. 2.4 The following ARE NOT ELIGIBLE to participate in this Campaign: (a) Permanent, contract and/or temporary employees of BSN, its subsidiaries and/or related companies, and/or their immediate family members (i.e. spouses, children, parents, brothers and sisters); (b) Representatives and/or agents (including advertising and promotion agents) of BSN and their immediate family members (i.e. spouses, children, parents, brothers and sisters); (c) Individuals below the age of 18 years.

2 3. CAMPAIGN MECHANICS TERMS AND CONDITIONS 3.1 To participate in this Campaign, no pre-registration, Short Messaging System (SMS) or Campaign entry form is required. 3.2 The application by the NTB Customer must be successfully approved by BSN on or before 15 March 2016 to be eligible for this Campaign. 3.3 The NTB Customer account must be valid and in good standing during the Campaign Period. 3.4 The following categories of persons shall not be considered as NTB Customer and SHALL NOT BE ELIGIBLE to participate in this Campaign: (a) (b) (c) (d) (e) Existing Principal Cardholders of any BSN Credit Card/-i; Former Cardholders who are no longer hold any valid BSN Credit Card; Cardholders whose Credit Card account(s) is/are delinquent; Cardholders who have cancelled their BSN Credit Cards and have reapplied for a New BSN Credit Card as a Principal Cardholder within six (6) months from the date of such cancellation; or Cardholders who have committed or are suspected of committing any fraudulent, unlawful or wrongful acts in relation to any of the facilities granted by BSN or have been declared bankrupt (pursuant to a petition by either banks or by any third party) or are subject to any bankruptcy proceedings at any time prior to, during or after the Campaign Period. 4. GIFTS 4.1 The NTB Customer will be entitled to enjoy the following gifts ( Gifts ) subject to the terms and conditions of the Campaign: (a) Barry Smith Luggage Bag worth RM1,299 (RRP) (i) NTB Customer who performs cumulative minimum spend of RM2,500 within forty five (45) days from the credit card approval date will receive ONE(1) unit of Barry Smith Trolley Bag worth RM1,299 (RRP). (ii) A total of 1,930 units of Gifts are allocated for this Campaign and are given on a first-come, first-served basis.

3 (b) Barry Smith Luggage Bag worth RM459 (RRP) (i) NTB Customer who performs cumulative minimum spend of RM1,500 within forty five (45) days from the credit card approval date will receive ONE(1) unit of Barry Smith Luggage Bag worth RM459 (RRP). (ii) A total of 2,070 units of Gifts are allocated for this Campaign and are given on a first-come, first-served basis. 4.2 The Qualified Retail Transaction refers to retail transactions made locally and overseas, including online transactions. 4.3 The following transactions shall not be considered as Qualified Retail Transaction for the purpose of this Campaign:- (a) BSN Balance Transfer Plan, (b) BSN EasyCash Plan, (c) Cash Advance/Withdrawal Transactions/Cash Back, (d) Reversals or Refunds, (e) Disputed, Unauthorized and/or Fraudulent Retail Transactions, (f) Split and/or Void Transactions, (g) Any other fees or charges such as cash advance fees, finance charges and late charges. 4.4 Any determination by BSN as to what constitutes retail transaction shall be conclusive and shall not be challenged in any manner whatsoever. 4.5 BSN reserves the right to substitute a Gift of equal or greater value if the awarded Prize is unavailable for any reason. All Gifts are on a while stocks last basis. 4.6 The Gift will be provided on an As Is basis. Visuals of the Gift shown in printed materials and/or website are for illustration purpose only. Such visuals may not depict the actual colour, model of specifications of the Gift and does not include any additional accessories.

4 4.7 BSN gives no representation or warranty with respect to the quality and/or suitability of the Gift and any dispute/claim and/or warranty information concerning Gift received under this Campaign shall be settled between the NTB Customer and the manufacturer and/or dealer without recourse to BSN. 5. CLAIM OF GIFTS 5.1 The Gift will be delivered to the Winner s correspondence billing address furnished by the NTB Customer and as captured in BSN s records between six (6) to ten (10) weeks after forty five (45) days from the card approval date provided that they meet the conditions set. 5.2 In the event that the Winner does not receive the Gift, it is the Winner s responsibility to notify BSN Credit Card Centre at or (from 9.00am to 5.30p.m., Monday to Friday) not later than 15 July 2016 for non-receipt of the Gift. Failure of the Winner to make any claim, the Gift will be automatically awarded to the next winner. BSN will not be liable in any manner whatsoever for non-receipt and/or unclaimed Gift due to the failure of the Winner to notify BSN Credit Card Centre. 5.3 The above Gifts are non-transferable and non-exchangeable for cash, credit, cheque or in kind. 5.4 The Gift is valid on a first-come, first-served basis, subject to stock availability. 5.5 Each Winner is eligible to win ONE (1) Gift only. 5.6 All Winners will be notified by mail and/or any other method(s) deemed suitable by BSN. 5.7 BSN reserves the rights to select other Winner(s) to substitute any Winner(s) who may be ineligible or disqualified for any other reason whatsoever throughout the Campaign Period. 6. GENERAL

5 6.1 By participating in this Campaign, the NTB Customer agrees: (a) (b) (c) that BSN s decision on all matters relating to the Campaign shall be final, conclusive and binding on all NTB Customer and no further correspondence and/or appeal to dispute BSN s decision shall be entertained; to be bound by the T&Cs of the Campaign; to access official website at (BSN s website) at regular time intervals to view the T&Cs and ensure to be kept up-to-date on any change or variation to the T&Cs. 6.2 BSN reserves the right: (a) to add, delete, suspend or vary the T&Cs contained herein, either wholly or in part at its absolute discretion, by way of posting on BSN s website or in any other manner which BSN deems practical, by giving at least a minimum of twenty-one (21) calendar days prior notice to the NTB Customer; (b) to disqualify any NTB Customer for any reason whatsoever as BSN may in its absolute discretion deem fit to participate in this Campaign and/or be entitled to the Gifts; and (c) to forfeit the Gifts in the event of non-compliance to the T&Cs herein. 6.3 This Campaign is not applicable in conjunction with any of BSN s ongoing credit card application campaigns (if any) unless otherwise stated. 6.4 The NTB Customer and/or Winners are liable and shall personally bear all applicable taxes, government fees or any other charges that may be levied against them under applicable laws, if any, in relation to participating in this Campaign and/or collection of the Gifts. 6.5 These T&Cs herein are in addition to the Cardholders Credit Card Agreement applicable to the Credit Card Cardholders. In the event of inconsistency between these T&Cs and the said Agreement, the T&Cs herein shall prevail in so far as they apply to this Campaign.

6 6.6 In the event of any discrepancy between these T&Cs as compared to any advertising, promotional, publicity and other materials relating to or in connection with this Campaign, the final T&Cs on BSN s website shall prevail. Any matter with regards to the Campaign which is not covered in these T&Cs will be determined solely by BSN at its discretion. 6.7 Any termination of BSN Visa Platinum Credit Card/-i or BSN Visa Gold Credit Card/-i account at any time made during the Campaign Period by NTB Customer will give right to BSN to automatically disqualify the NTB Customer from receiving any Gift in the event the NTB Customer is selected as a winner. 6.8 The NTB Customer and/or Winner(s) also agrees and consented to their personal details including without limitation personal data or information being collected, processed and used by BSN for the purposes of the Campaign. BSN reserve the right to request any documentation or written proof of the Winners identity and details for verification purposes. 6.9 NTB Customer and/or Winner(s) hereby expressly provide consent to BSN, at its discretion, publishing and/or displaying materials and/or any information including but not limited to the names and/or photographs of the NTB Customer and/or Winner(s) for current and future advertising and promotional purposes in any manner that BSN deem appropriate BSN shall not be responsible and/or liable nor shall it accept any form of liability whatsoever nature and howsoever arising or suffered by NTB Customer resulting directly or indirectly from the NTB Customer participation in the Campaign or otherwise. Furthermore, BSN shall not be liable for any default of its obligation under this Campaign due to any force majeure event which include but not limited to act of God, war, riot, lockout, industrial action, fire, flood, drought, storm or any event beyond the reasonable control of BSN.

7 6.11 The T&Cs herein shall be governed by and construed in accordance with the laws of Malaysia and the NTB Customer agrees to submit to the jurisdiction of the Courts of Malaysia.