CIMB Bank – Live Your Dream 3 Campaign Terms and Conditions 1.

The CIMB Bank – Live Your Dream 3 Campaign (“the Campaign”) is organised by CIMB Bank Berhad (13491-P) (“CIMB Bank”).

2.

This Campaign is held in conjunction with the CIMB Islamic – Live Your Dream 3 Campaign organised by CIMB Islamic Bank Berhad (“CIMB Islamic”). In carrying out the Campaign in conjunction with CIMB Islamic, the Prizes under this Campaign shall come from the same pool of Prizes intended for the campaign organized by CIMB Islamic.

The Campaign Period 3.

The Campaign shall run from 15 November 2016 to 28 February 2017, both dates inclusive (“the Campaign Period”).

4.

CIMB Bank reserves the right upon giving adequate prior notice of fourteen (14) calendar days to change the duration and/or the commencement and/or expiry dates of the Campaign Period.

Eligibility and Qualifying Criteria 5.

This Campaign is open to all principal credit cardholders (except CIMB Bank’s Platinum Business Card and Fuel Tanker Card) issued by CIMB Bank in Malaysia, who are citizens of Malaysia and whose mobile numbers are registered with Maxis, Celcom, Digi or U-Mobile telecommunication service providers and maintained in CIMB Bank’s record (“Eligible Participant(s)”). Eligible Participant(s) who sent SMS(s) from a mobile number that is not maintained in CIMB Bank’s records shall not be entitled to participate in this Campaign. The CIMB Bank credit card accounts of the Eligible Participant(s) are hereinafter collectively referred to as the “Participating Credit Card Accounts”.

6.

The following categories of persons shall NOT be eligible to participate in the Campaign:i)

ii)

Permanent, contract and/or temporary staff or employees of CIMB Group of Companies and their immediate family members (i.e. spouses, children, parents, brothers and sisters); and/or Representative and/or agents (including advertising and promotion agents) of CIMB Group of Companies, VISA Worldwide Pte. Limited, a company registered in Singapore, having its office at 30, Raffles Place, #10-00, Chevron House, Singapore 048622 (“VISA”) (including its respective subsidiaries and related companies) and Mastercard Worldwide, a company organized under the State of Delaware, having its office and principal place of business at 2000 Purchase Street, Purchase, New York, NY 10577-2509, United States of America (“Mastercard”) (including its respective subsidiaries and related companies). CIMB Group of Companies means the groups of companies/legal entities of which CIMB Group Holdings Berhad, being the ultimate holding company of CIMB Bank has a controlling interest, directly or indirectly, either by itself or through its subsidiaries.

7.

To participate in this Campaign, Eligible Participants must first register their participation in the Campaign either:-

(a)

(b)

(c) (d)

by responding to CIMB Bank’s short message service (“SMS”) sent to their mobile number maintained in CIMB Bank’s records and typing M2 or M3 or M4 or M5 or M6 or M7 or M8 and sending the same to 62666 during the Campaign Period; or by sending an SMS by typing A2 or A3 or A4 or A5 or A6 or A7 or B2 or B3 or B4 or B5 or D2 or D3 or D4 or D5 or D6 or D7 or P2 or P3 or P4 or P5 or P6 or P7 or S2 last 6 digits of the Eligible Participant’s NRIC number and sending the same to 62666 during the Campaign Period using the mobile number maintained in CIMB Bank’s records; or by enrolling online at www.cimbbank.com.my/dream; or by auto-enrolment via an SMS sent by CIMB Bank to their mobile numbers maintained in CIMB Bank’s records stating that they have been auto-enrolled to participate in the Campaign.

8.

Eligible Participants shall bear the standard telecommunications charges imposed for each SMS sent.

9.

Upon successful registration of the participation of Eligible Participants in accordance with Clause 7 above, Eligible Participants shall receive a confirmation SMS from CIMB Bank.

10.

In the event an SMS registration is incomplete, an SMS will be sent to the Eligible Participant’s mobile number maintained in CIMB Bank’s records at no cost notifying him/her to re-register via SMS. The Eligible Participant must ensure that he/she has keyed in the correct last 6 digits of his/her NRIC number in the SMS.

11.

Upon successful registration of the participation of the Eligible Participant, all his/her Participating Credit Card Accounts shall then be automatically tracked for the purpose of tabulating the number of entries for the Campaign. For the avoidance of doubt, in the event the Eligible Participant is a principal cardholder issued by CIMB Bank and CIMB Islamic and is eligible to participate in the Campaign as well as the CIMB Islamic – Live Your Dream 3 Campaign organized in conjunction with CIMB Islamic, the Eligible Participant’s retail spending using the participating credit cards issued by CIMB Bank and CIMB Islamic shall be accumulated and shall not be treated separately for the purposes of earning the entries to win the Prizes in the Campaign.

Participation Criteria & Prizes 12.

Upon successful registration as per Clause 7 above, Eligible Participants must make retail spending transactions (as defined in Clause 18 herein) using their Participating Credit Card Accounts in the manner explained below to earn entries during the Campaign Period to stand a chance to win the Daily Prize(s) and/or Grand Prize (as explained in Clauses 13 to 17 herein):Days Of Approved Retail Spending Transactions Monday, Tuesday, Wednesday, Thursday & Friday Saturday & Sunday

Retail Spending Transactions Approved By CIMB Bank During The Campaign Period Every RM50 retail spend in a single receipt Every RM50 retail spend in a single receipt

Number Of Entries 1 entry 2 entries

Foreign currency retail spending transactions shall be converted to Ringgit Malaysia (RM) for the purpose of calculation of retail spending and shall be based on CIMB Bank’s prevailing exchange rate. Daily Prizes 13.

14.

Subject to the terms and condition herein, an Eligible Participant is eligible to win a maximum of three (3) Daily Prizes throughout the Campaign Period. Details of the Daily Prize(s) are as follows:-

Campaign Period

No. Of Daily Prize Winners Per Day

Total No. Of Days During The Campaign Period

Total No. Of Daily Prizes To Be Given Away During The Campaign Period

Daily Prize Per Winner

15 Nov 2016 – 28 Feb 2017

10

106

1,060

RM100 Cash Back

Total Daily Prizes To Be Given Away During The Campaign Period RM106,000 Cash Back

Subject to the terms and conditions herein, an Eligible Participant shall earn and accumulate entries starting from the date in which he/she successfully registered for the Campaign provided that the registration is made within the Campaign Period to be in the running to win one (1) of the ten (10) Daily Prizes given out each day (“Campaign Day”) during the Campaign Period. Please refer to the example below:Example: Eligible Participant A has made multiple retail transactions with his Participating Credit Card Account since 15 November 2016. However, Eligible Participant A only successfully registered for the Campaign on 1 January 2017. As a result, all of Eligible Participant A’s retail transactions from 15 November – 31 December 2016 will not be accumulated to calculate the entries to be in the running to win the Daily Prizes even though the retail transactions meet the retail spending requirement. Only Eligible Participant A’s retail transactions from 1 January 2017 – 28 February 2017 will be accumulated to calculate the entries to be in the running to win the Daily Prizes.

15.

In order to be in the running to win the Daily Prizes, an Eligible Participant shall earn and accumulate his/her entries daily i.e. on each Campaign Day, whereby Malaysian time 0000 hours to 2359 hours (24 hours) would be considered as one (1) day. Grand Prizes

16.

Subject to the terms and conditions herein, Eligible Participants shall earn and accumulate entries starting from the first (1st) day of the Campaign to be in the running to win one (1) of the Grand Prize during the Campaign Period in the following manner:Category Grand Prize 1

Prize One (1) unit of 2-storey terrace house at Graham Garden, Eco Grandeur located at Bandar Puncak Alam worth approximately*RM514,000. *The value stated above is estimated and not

No. of Prizes

conclusive and is not based on any official valuation done by CIMB Bank.

1

**Specifications of the above Grand Prize 1 are as follows: Gross Built Up Area: Approximately 1,521 square feet Land Area: 20’ x 65’ Developer: Eco World Development Group Berhad Project: Eco Grandeur ***The size stated above is estimated and based on the information given by the Developer and the same shall not be guaranteed by CIMB Bank to be accurate. Grand Prize 2 Grand Prize 3

17.

One (1) unit of BMW 118i Sport One (1) unit of BMW 118i Sport Total

1 1 3

Subject to the terms and conditions herein, an Eligible Participant shall earn and accumulate entries starting from the first (1st) day of the Campaign to be in the running to win one (1) of the Grand Prizes regardless of the date of registration provided that the registration is made within the Campaign Period. Please refer to the example below. Example: Eligible Participant B has made multiple retail transactions with his Participating Credit Card Account since 15 November 2016. However, Eligible Participant B only successfully registered for the Campaign on 1 January 2017. Regardless of the registration date, all of Eligible Participant B’s retail transactions from 15 November 2016 – 28 February 2017 which meet the retail spending requirement will still be accumulated to calculate the entries to be in the running to win one (1) of the Grand Prizes during the Campaign Period as long as Eligible Participant B has successfully registered for the Campaign within the Campaign Period.

18.

Retail spending transactions for the Campaign will be local, overseas and/or online retail spending charged to any of the Eligible Participant’s Participating Credit Card Accounts during the Campaign Period. Retail spending transactions shall mean purchase transactions for goods and services incurred for personal consumption using the Participating Credit Card Accounts and shall not include the following transactions: i) ii) iii) iv) v)

Transactions made on CIMB Bank’s Platinum Business Card and Fuel Tanker Card; Quasi Cash transactions – (example: betting and/or gaming transactions); Monthly instalments under any instalment payment facility provided by CIMB Bank; Standing instructions/ auto-payment service; Payment of annual fees or service charges, delivery charges, cash payments, card replacement fee, government service tax, dispute charges, fraud charges or any other fees, charges or penalties whether imposed by CIMB Bank or otherwise;

vi) vii) viii)

Transactions for payments made towards insurance premiums and/or takaful contributions of any kind whatsoever; Cash advance/withdrawal/deposit transactions; and Retail spending transactions which are subsequently cancelled, refunded, disputed, unauthorised or fraudulent.

Any determination by CIMB Bank as to what constitutes retail spending transaction shall be conclusive and shall not be challenged in any manner whatsoever unless the same appears as grossly unfair or unjust. 19.

Retail spending transaction for the purposes of the Campaign shall be calculated based on the total consolidated (principal and supplementary/ies) credit card spending of the Eligible Participant. If the Eligible Participant has multiple credit card accounts, the retail spending transactions made on all of his/her Participating Credit Card Accounts including principal and supplementary credit card accounts shall be consolidated and not be viewed individually. Please refer to the example below. Example: Eligible Participant C’s Participating Credit Card Account has 1 principal CIMB credit card and 2 supplementary CIMB credit cards. All transactions on any of these credit cards which meet the retail spending requirement will be accumulated to tabulate the total entries eligible for the Campaign.

20.

The tracking of the retail spending transactions is based on the transaction dates and/or time (Malaysian Time) as captured by CIMB Bank’s transaction records during the Campaign Period.

21.

CIMB Bank shall not be responsible for any failure and/or delay in the transmission of evidence of sales transactions by VISA, Mastercard, merchant establishments or any other party.

Winners Selection Process 22.

At the end of the Campaign Period, Eligible Participants shall be randomly selected by an automated selection system based on the entries earned by Eligible Participants during the Campaign Period, for the following Prizes:i)

Daily Prizes Subject to the terms and conditions herein, the Bank’s automated system will generate ten (10) potential winners on each Campaign Day referred to in Clause 13 above (106 days in total) based on daily entries earned (“The Potential Daily Prize Winner”). An SMS notification will be sent only once to each Potential Daily Prize Winner and he/she will be required to answer one (1) question by replying to the said SMS with the correct answer within two (2) working days from the date the SMS was sent to the Potential Daily Prize Winner. The deadline (i.e. date and time) to answer the question shall be specified in the SMS. The Potential Daily Prize Winner who replies with the correct answer will be confirmed as a winner of the Daily Prize. In the event the Potential Daily Prize Winner does not answer correctly or did not reply within the given deadline, he/she will be disqualified from winning the Daily Prize and the Daily Prize will be forfeited. The forfeited prize will not be given to the next potential winner.

For avoidance of doubt, standard telecommunications charges for the SMS response will apply and shall be borne by the Potential Daily Prize Winner. ii)

Grand Prizes Subject to the terms and conditions herein, the Bank’s automated system will generate a list of potential winners (“the List”) of whom will be drawn in the following order; Grand Prize Winner 1, followed by Grand Prize Winner 2, and followed by Grand Prize Winner 3 (“Potential Grand Prize Winners”). The Potential Grand Prize Winners shall be contacted via telephone at their mobile number maintained in CIMB Bank’s records within twelve (12) weeks after the end of the Campaign Period and shall be required to answer two (2) questions correctly before being declared the respective Grand Prize winner. If the first attempt to contact the Potential Grand Prize Winner fails, i.e. due to reasons such as no answer, telephone number not in service, no connection or any other reasons, another two (2) attempts will be made to call the said Potential Grand Prize Winner. Where the third (3rd) attempt is unsuccessful, such Potential Grand Prize Winner will be disqualified and will not be entitled to win the respective Grand Prize. The next-in-line Potential Grand Prize Winners who were initially drawn based on the List shall then be promoted to win the higher tier of the Grand Prize. Please refer to the example below:Example: Due to Potential Grand Prize Winner 1 being un-contactable after three (3) attempts, Potential Grand Prize Winner 1 will be disqualified and will not be entitled to win Grand Prize 1. As a result, Potential Grand Prize Winner 2 will be promoted to Potential Grand Prize Winner 1, and Potential Grand Prize Winner 3 will be promoted to Potential Grand Prize Winner 2. A new Potential Grand Prize Winner 3 will then be drawn again.

23.

CIMB Bank has the sole discretion to fix the appointed working day (Monday-Friday) and time (9am-6pm) to make the telephone calls to the Potential Grand Prize Winners. CIMB Bank shall not be held responsible for calls made to the Potential Grand Prize Winners which are (i) not completed or disconnected due to any reasons whatsoever; (ii) not answered or not proceeded with due to the unavailability of the Potential Grand Prize Winners at the appointed date and time and/or due to any other whatsoever reasons. It shall be the Eligible Participant’s responsibility to ensure that their phone numbers provided are current and updated with CIMB Bank in the event of any changes being made to the same by the Eligible Participant(s). CIMB Bank reserves the right to record these telephone conversations.

24.

At the time of selection of the Campaign winners, the Participating Credit Card Account(s) of the selected Eligible Participant(s) MUST be in good standing and MUST NOT be in breach of any of the terms and conditions of the CIMB Bank credit card agreement or delinquent, and/or be invalid or cancelled as otherwise they will be disqualified from participating or being selected as the Campaign winner(s).

25.

For the avoidance of doubt, the drawing of the winners for the Daily Prizes and the Grand Prizes [stated in Clause 22 (i) and (ii)] shall be carried out simultaneously.

26.

An Eligible Participant is eligible to win a maximum of three (3) Daily Prize(s) and one (1) Grand Prize only during the Campaign Period (“Maximum Prizes”). For the avoidance of doubt, an

Eligible Participant can only win one (1) time of the Maximum Prizes under the Campaign and the CIMB Islamic – Live Your Dream 3 Campaign organized in conjunction with CIMB Islamic. 27.

The Daily Prizes will be credited to the Eligible Participants’ Participating Credit Card Account within twelve (12) weeks after the end of the Campaign Period.

28.

The Grand Prize Winners shall receive CIMB Bank’s notification letter within twelve (12) weeks after the end of the Campaign Period.

29.

The Grand Prize Winner 1 will also have to comply with the following additional terms: (a)

(b)

(c) (d)

(e)

(f)

(g)

(h)

the winner must sign and return to the developer the developer’s usual form of sale and purchase agreement, deed of mutual covenants and all related documents as may be required by the developer by 31 May 2017 or such other dates as may be determined by CIMB Bank and notified by CIMB Bank to the winner and to comply with the terms of such documents; the winner must sign a deed of assignment in the format acceptable to the Bank assigning the right of refund of the purchase price or any part thereof under the sale and purchase agreement of the Grand Prize 1 including any interests, compensation or damages to be paid by the developer (if any) ("Right of Refund") to the Bank and the winner shall not be entitled to the Right of Refund or any claims or compensation whatsoever arising from the Right of Refund; the winner must have full legal capacity to own the Grand Prize 1 and must not be prohibited by any law or regulation to own the Grand Prize 1; the Grand Prize 1 shall be subject to all the conditions and category of land use express or implied or imposed upon the Grand Prize 1. The winner shall be responsible, at its own costs and expense, in obtaining all the necessary approvals (if applicable) from the relevant authorities to enable the transfer of the Grand Prize 1 to the winner. CIMB Bank shall not be held responsible in any way whatsoever if the winner is unable to obtain the necessary approvals to transfer the Grand Prize 1 to him/her or the Grand Prize 1 cannot be transferred to the winner for any reason whatsoever; the size of the Grand Prize 1 stated above is only estimated and not guaranteed to be accurate. CIMB Bank shall not be responsible for any discrepancy in the size of the Grand Prize 1; save and except for the purchase price of the Grand Prize 1 which shall be borne by CIMB Bank, all stamp duties, legal fees, disbursement fees, registration fees, processing fees, service charges, maintenance charges and all other incidental costs and charges incurred to acquire the Grand Prize 1 or the costs of preparation of any other incidental documents in relation thereto, shall be borne by the winner, if any. The entitlement to the Grand Prize 1 will be forfeited if the winner fails to pay such fees and charges in a timely manner or fails to comply with the terms and conditions imposed on the Grand Prize 1 (including but not limited to the terms and conditions imposed by the developer); all current and future property taxes (such as quit rent and assessment), insurance, and all other taxes, renovation costs, utilities, outgoings, costs, fees, and expenses related to the maintenance of the Grand Prize 1 shall be the full responsibility of the winner commencing from the date the Winner accepts the Grand Prize 1 from CIMB Bank; in the event the market value of the Grand Prize 1 is for any reason lower than the purchase price/value stated in Clause 16 above, CIMB Bank shall not be liable in any way

(i) (j) (k)

whatsoever for the difference between the market value and the purchase price/value and the winner shall not be entitled to make any claims in respect of such difference; the Grand Prize 1 is under construction and will be completed within the period stated in the sale and purchase agreement; and the winner of the Grand Prize 1 is NOT allowed to nominate another person/entity to receive the Grand Prize 1. If the Grand Prize 1 winner fails to strictly comply with the terms and conditions stated herein, CIMB Bank reserves the right to forfeit the Grand Prize 1 from the said winner and select another Grand Prize Winner 1. In such event, CIMB Bank will not be held liable or responsible for any costs or losses incurred by the said winner.

30.

Grand Prize Winner 2 and Grand Prize Winner 3 shall be wholly responsible for the payment of all taxes, insurance and/or all other miscellaneous charges relating to Grand Prize 2 and Grand Prize 3. CIMB Bank shall NOT be responsible to bear the cost for the road tax, car insurance, cost of transporting the vehicle to the respective Grand Prize Winner 2 and/or Grand Prize Winner 3 and/or any other incidental cost.

31.

The winners of the Campaign agree and authorize CIMB Bank to disclose their details (including but not limited to name, NRIC number, telephone number and address) to the distributor/agent who would then contact the winners regarding the delivery or redemption of the Grand Prizes. The winners are responsible to make the necessary arrangements with CIMB Bank and/or its developer/distributor/agent to collect or redeem their prize(s). CIMB Bank will not bear any accommodation and/or transportation and/or other cost that the winners may incur or have to incur in the course of redeeming or using the Grand Prizes.

32.

The winners of the Campaign shall be required to attend the prize presentation ceremony and/or other publicity programs as and when required at their own costs and expenses. If the winners fail to attend such ceremony and/or other publicity programs without valid reason(s), CIMB Bank reserves the right to forfeit the prize(s) of the winners and select another winner.

General Terms and Conditions 33.

By participating in the Campaign, the Eligible Participants are deemed to have read, understood and agreed to be bound by the Terms and Conditions herein and the decisions of CIMB Bank. Decision of CIMB Bank and/or CIMB Bank’s judges in relation to the Campaign shall be final, binding and conclusive. CIMB Bank reserves its absolute rights and discretion to disqualify and/or reject any Eligible Participants that it determines or reasonably suspects to be tampering with the process or the operation of the Campaign, or to be acting in breach of the Terms and Conditions herein.

34.

By participating in the Campaign, the Eligible Participants hereby consent to and agree that CIMB Bank shall be entitled to publish and/or display materials and/or information, including but not limited to the names and photographs of the Eligible Participants who win the Grand Prizes and/or Daily Prizes for this Campaign (“Winners”) for advertising and publicity purposes in any manner it deems appropriate. Non-compliance may result in an alternative winner being chosen.

35.

CIMB Bank will not assume any responsibility for the prizes, products and/or services offered under the Campaign. The prizes, products and/or services are offered and/or provided solely by the relevant vendors and providers, under such terms and conditions as determined by such

vendors and providers, and CIMB Bank accepts no liability (including without limitation, loss of income, profits or goodwill, direct or indirect, incidental, consequential, exemplary, punitive or special damages of any party including third party) howsoever arising whether in contract, tort, negligence or otherwise in connection with the Campaign, and all such damages are expressly excluded. 36.

By participating in the Campaign, the Eligible Participants hereby agree not to hold CIMB Bank liable in the event that CIMB Bank is unable to perform in whole or in part of any of its obligations herein, attributable directly or indirectly to the failure of any mechanical or electronic device, data processing system, transmission line, electrical failure, industrial dispute, any act beyond CIMB Bank's control or due to any factor in a nature of a force majeure. Any inability to provide the prizes due to the non-completion and/or non-availability of the respective products by the developer/distributor/vendor shall be treated as an event of force majeure and CIMB Bank is entitled to substitute or replace the prizes with prizes of similar or equivalent cost.

37.

CIMB Bank will not entertain any complaint(s) whatsoever in connection with the prizes. The prizes have not been certified by CIMB Bank and under no circumstances shall the inclusion of any prizes in this Campaign be construed as an endorsement or recommendation of the prizes by CIMB Bank. CIMB Bank’s liability with regards to the Grand Prizes is only to pay the purchase price for the same to the developer/distributor/agent.

38.

By acceptance or receipt of a prize, the prize winner agrees to hold CIMB Bank and its affiliates and their respective directors, officers, employees and agents harmless from any claim, action, proceeding, judgment, damage, loss, expense or liability suffered by CIMB Bank and its affiliates and their respective directors, officers, employees and agents in connection with such prize winner’s participation in the Campaign or receipt, redemption or use of the prize. CIMB Bank shall not be liable to any Eligible Participant or any party for any loss or damage of whatsoever nature suffered by the Eligible Participant or any party (including but not limited to, loss of income, profits or goodwill, direct or indirect, incidental, consequential, exemplary, punitive or special damages of any party) howsoever arising, in relation to the participation or nonparticipation in the Campaign unless the same is due to the gross negligence and/or default of CIMB Bank.

39.

CIMB Bank reserves the right to substitute and/or replace the Prize(s) offered under this Campaign with prize(s) of similar or equivalent cost(s) by giving prior notice of fourteen (14) calendar days to the Eligible Participants.

40.

CIMB Bank shall be entitled to amend, vary, delete, add or alter (“the Amendment”) to any of these Terms and Conditions or any part thereof by giving prior notice of twenty one (21) calendar days to the Eligible Participants. No compensation in cash or any kind shall be given to the Eligible Participants for any losses or damages suffered or incurred by the Eligible Participants as a direct or an indirect result of such amendment, variation, deletion, addition or alteration of the Terms and Conditions herein unless the same is due to the gross negligence and/or default of CIMB Bank.

41.

Notification to the Eligible Participant in respect of the Amendment shall be effected at CIMB Bank’s absolute discretion through any one of the following means of communication, namely, by ordinary mail to the Eligible Participant’s last known address or by posting a notice regarding the Amendment at each of CIMB Bank’s branches where detail provisions regarding the

Amendment may be provided in the notice itself or may be provided to the Eligible Participant upon request or by effecting an advertisement regarding the Amendment in one newspaper of CIMB Bank’s choice, or via CIMB Bank’s website or via electronic mail or by any other means of notice which CIMB Bank may select and the Amendment shall be deemed as binding on the Eligible Participant as from the date of notification of the Amendment or from such other date as may be specified by CIMB Bank in the notification. 42.

The Terms and Conditions herein (as the same may be amended from time to time pursuant to Clause 40 shall be read in conjunction with the prevailing terms and conditions in CIMB Bank’s card and/or account agreement and/or relevant products and shall prevail over any inconsistent terms, conditions, provisions or representations contained in any other promotional and/or advertising materials in relation to the Campaign.

43.

The prize images, props and designs featured in any of the advertising materials including website and all printed materials in relation to the Campaign are for illustration purposes only. Actual models/products/colour may vary.

44.

If there is any inconsistency, conflict, ambiguity or discrepancy between the Bahasa Malaysia and English version or other language version of these terms and conditions, the English version of these terms and conditions shall prevail. Notwithstanding the aforementioned where request had been made by the Eligible Participant and noted and acknowledged by CIMB Bank in its record that the Bahasa Malaysia version of the terms and conditions shall govern the operation of the Participating Credit Cards Account, then the Bahasa Malaysia version of the terms and conditions herein shall prevail.

45.

For feedbacks and/or complaints related to the Campaign, Eligible Participants may contact CIMB Bank’s Customer Resolution Unit bearing the following address, telephone and facsimile numbers (or bearing such other address, telephone and facsimile numbers which CIMB Bank may change by notification to the Eligible Participants): Customer Resolution Unit, Level 19, Menara Bumiputra-Commerce, 11 Jalan Raja Laut, 50350 Kuala Lumpur Tel: 603 6204 7788/Fax: 603 2691 3248/ [email protected].