Hong Leong Investment Bank Berhad (HLIB) is proud to present our HLeBroking Points Campaign to reward and thank our loyal clients. Earn HLeBroking Points when you trade with us. We value the commitment you have shown us and we want to recognize this commitment by offering:-

Category

Brokerage Generated Tier (RM)

HLeBroking Points

Gold

1- 4,000

1.0x total brokerage generated

Platinum

4,001- 10,000

2.0x total brokerage generated

Diamond

above 10,000

3.0x total brokerage generated

Terms and Conditions applicable to all HLeBroking Points Campaign (“Terms and Conditions”): a.

How do I earn HLeBroking Points? You earn HLeBroking Points for each Ringgit Malaysia amount of net brokerage generated in your online securities trading account (“Account”) for the period from 1 April 2016 until 31 December 2016 (“Brokerage Period”). You may also receive additional bonus HLeBroking Points in connection with Special Promotions offered from time to time during the Brokerage Period. We reserve the right to change the way you earn HLeBroking Points from time to time during the Brokerage Period and bonus partners, redemption partners and special offers may also change from time to time. Notice of any changes will be posted on the HLeBroking website. Please refer to our website at www.hlebroking.com regularly for any changes, notices or updates. HLeBroking Points will be automatically credited to your account. You may then use your HLeBroking Points to redeem GEMFIVE e-vouchers, Enrich Miles and/or petrol vouchers/ gift cards b. Eligibility There is no automatic eligibility for participation in the HLeBroking Points Campaign. HLIB reserves the right to exclude any customer from the HLeBroking Points Campaign. Fulfilment of the criteria set out above is an indication only, and not a guarantee of eligibility. Final eligibility shall be determined entirely at HLIB’s discretion. c. How do I use my HLeBroking points to make redemption? You may login to HLeBroking portal, go to the Rewards tab, and select the merchant and value that you wish to redeem. Redemption must take place during the redemption period from 1 April 2016 to 31 January 2017 (“Redemption Period”). Upon the expiry of the Redemption Period, HLeBroking will not allow any redemption and all HLeBroking Points shall be automatically cancelled.

Upon any successful redemption:(i) If you opt for GEMFIVE e-Voucher(s) GEMFIVE will send you the e-voucher(s) via email. Please contact us if you do not receive your e-voucher(s) within 14 days of your redemption. Each redemption exercise using HLeBroking Points for GEMFIVE e-voucher must be for a minimum voucher face value of RM 50. (ii) If you opt for Enrich Miles The miles will be credited into your Enrich Miles account within 30 days of your redemption. Please contact us if you do not receive your Enrich Miles within 30 days of your redemption. Each redemption exercise using HLeBroking Points for Enrich Miles must be for a minimum of 1,250 miles. (iii) If you opt for Petrol Voucher(s)/ Gift Card(s) HLeBroking will be sending you the petrol voucher(s)/ gift card(s) within 30 days of [submission or processing] of your redemption. Please contact us if you do not receive your voucher within 30 days of your redemption. Each redemption exercise using HLeBroking Points for petrol voucher/ gift card must be for a minimum voucher/ gift card face value of RM 50 and in multiples of RM50 petrol vouchers/gift cards.

d.

How do I communicate with you? You can contact our HLIB Helpdesk Centre at 03-7723 3030 or email us at [email protected]. We will communicate with you via your email address (as per our records), please inform us if there are any changes to your email address. We will not be responsible for your non-receipt of our emails.

e.

Are there situations where I will not be awarded with HLeBroking Points? HLeBroking Points are earned/awarded based on eligibility and your net online brokerage charges only during the Brokerage Period and no HLeBroking Points will be earned/awarded in respect of the following amounts that may be charged to your Account: • GST and government charges • interest and other bank fees and charges (including any GST payable on any of these) • cash advances • transactions that are reversed (refunds). If any HLeBroking Points have accrued/been credited to your account for a transaction that is subsequently reversed, we reserve the rights to cancel those points via a debit entry in your account. We reserve the right to suspend or exclude you from participation or continuing to participate in the HLeBroking Points Campaign if: (i) you are in breach of the HLeBroking Points Campaign Terms and Conditions; and/or (ii) your Account is suspended, cancelled or terminated. If your Account is suspended, cancelled or there is a breach of the conditions of use or the terms of the HLeBroking Points Campaign by you (“Default Status”), any HLeBroking Points which have not been converted/redeemed by you will be retained by us (“Retained Points”) until your Account is no longer in Default Status. You may not continue to earn any HLeBroking Points if your Account is under Default Status. If your Account is rectified and no longer under Default Status, (i.e., it is regularised, no longer in breach of the Conditions or the suspension of your Account is lifted) only after the expiry of the Redemption Period, any HLeBroking Points that may have accrued will nonetheless be cancelled effective the expiry date of the Redemption Period.

f

My responsibility to pay any costs You are responsible to pay for any tax liability (including any GST that may be payable), stamp duty or other duty or government charges in connection with the issuance and receipt of the e-voucher(s), Enrich Miles or redemption of HLeBroking Points or any other rewards.

g.

Changes to the HLeBroking Points Campaign Acting reasonably, we reserve the right, at any time, and without notice, vary the HLeBroking Points Campaign and/or these Terms and Conditions. We reserve the rights to make changes to these Terms and Conditions, vary the eligible HLeBroking Points for redemption, (as they apply to the HLeBroking Points Campaign) and any applicable fees, including changes to: • add, withdraw or substitute any other benefit or reward for redemption offered from time to time • alter the earn rate of HLeBroking Points in relation to eligible transactions • alter the fees payable under the HLeBroking Points Campaign. If we make changes to these Terms and Conditions, we will on a best efforts basis provide you with prior notice. If you are not satisfied with any change or variation to the HLeBroking Points Campaign or for any other reason want to withdraw from the HLeBroking Points Campaign, you may terminate your participation in the HLeBroking Points Campaign immediately by giving us notice to that effect in writing, or by contacting HLIB Helpdesk Centre at 03-7728 8222 or email at [email protected]. If it is not reasonably possible to provide you with prior notice for any changes (for example if regulatory requirements require us to make changes immediately), we will notify you as soon as reasonably possible. The latest version of Terms and Conditions are always available at www.hlebroking.com.

h.

Termination or discontinuation of the HLeBroking Points Campaign We reserve the right to discontinue the HLeBroking Points Campaign at any time at our discretion. We will notify you as soon as practicable of the termination and you will have 30 days from the date of termination to redeem your HLeBroking Points. You shall not be entitled to claim any compensation from or against HLIB for any loss or damage suffered as a result of the discontinuation.

i.

Disclaimer To the extent not prohibited by law, we expressly exclude and disclaim any representations, warranties or endorsements, express or implied, in relation to any warranty of quality, merchantability or fitness for purpose in respect of any part of the HLeBroking Points Campaign or the reward items available or offered thereunder.

j.

Limitation of Liability To the full extent permitted by law, our liability in relation to the HLeBroking Points Campaign is limited to supplying the service again or the equivalent cost of such service, at our option. To the extent not prohibited by law, and even if HLIB has been advised of the possibility of loss or damage in advance, we (i)makes no express or implied warranty or representation in connection with the rewards (including with respect to type, quality, standard or fitness for any purpose); (ii)are not liable for any loss you suffer (including consequential loss) arising in connection with a reward (including a failure to provide a reward, its loss, theft or destruction);and (iii)are not liable for any loss you suffer (including consequential loss) in connection with our negligence or our breaching a term, warranty or condition in relation to the HLeBroking Points Campaign. If we or our rewards providers are liable for a breach of these Terms and Conditions, then, to the extent not prohibited by law, our liability will exclude any indirect or consequential loss you may suffer. To the extent not

prohibited by law, we exclude our liability to you in relation to goods and services acquired by way of the HLeBroking Points Campaign. k.

Can I exchange my HLeBroking Points or any of my rewards/redeemed items for cash? No, HLeBroking Points themselves do not have any monetary value. The HLeBroking Points and rewards may not be transferred, sold, bequeathed or inherited. The HLeBroking Points can only be used to redeem GEMFIVE e-voucher(s), Enrich Miles or petrol voucher(s)/gift card(s), and are not convertible into or exchangeable for cash. The reward(s) once issued are not refundable, nor exchangeable for other rewards or cash.

l.

Who is responsible for the items purchased using the GEMFIVE e-voucher(s) in HLeBroking Points Campaign? To the extent not prohibited by law, neither we nor GuoLine eMarketing Sdn Bhd and/or our rewards merchants and/or agents are liable for the availability, quality or fitness for purpose of any rewards or goods or services redeemed using any GEMFIVE e-voucher(s), Enrich Miles, or petrol vouchers/gift cards. Therefore, if you have any complaints about rewards or goods or services you should contact the relevant rewards merchant directly. Neither we nor our agents are responsible if you cannot purchase an item using the e-voucher(s) or Enrich Miles for reasons beyond our or any of our rewards merchants/agents’ control or the failure of GEMFIVE or any other redemption partner to honour its obligations under the HLeBroking Points Campaign for any reason. Your usage of the e-voucher(s) and Enrich Miles shall be in respect of the GEMFIVE e-vouchers, subject to the terms for access to and use of the website offered by GuoLine eMarketing Sdn Bhd (“GEMFIVE Marketplace”) and in respect of the Enrich Miles and the petrol vouchers/gift cards, subject to the terms imposed by the relevant rewards merchant, agent or supplier.

m.

How do I keep track of my HLeBroking Points? You can review your HLeBroking Points Campaign statement at www.hlebroking.com, or you can contact the HLIB Helpdesk Centre to find out your current HLeBroking Points balance. HLeBroking Points can be used to redeem GEMFIVE e-voucher(s), Enrich Milesand/or petrol voucher(s)/gift card(s) as soon as they have been processed and have been added to your HLeBroking Points record subject to a minimum redemption amount of GEMFIVE e-vouchers or petrol vouchers/gift cards of RM50 (face value), or 1,250 Enrich Miles for each redemption made. We may adjust your total HLeBroking Points (backdating the adjustment if necessary) if the brokerage amount has been incorrectly credited or debited for any reason. We will advise you of any adjustment accordingly.

n.

How do I redeem my rewards if I am enrolled in the HLeBroking Points Campaign? Only you may claim a reward provided you have sufficient HLeBroking Points to be converted to GEMFIVE e-voucher(s), Enrich Miles or petrol voucher(s)/gift card(s). Your HLeBroking Points may not be transferred to another person. If you make a redemption, you cannot change or cancel that redemption nor can you exchange or return the redeemed reward(s) to obtain a refund of the relevant HLeBroking Points. HLIB shall not be responsible for, nor provide compensation for any delays whether in relation to the accrual and crediting of points to your account, usage of the voucher(s) or points or otherwise. We may, at any time, and without notice, withdraw or substitute any reward for another reward or alter the number of HLeBroking Points required to claim a reward. Disputes about missing HLeBroking Points made more than two (2) months after the date of the relevant transaction will not be accepted. GEMFIVE e-voucher(s), Enrich Miles and petrol voucher(s)/ gift card(s) may be subject to its own terms and conditions for use and may have an expiry date. You are advised to examine the respective terms governing each reward and abide by the same and

we advise you to carefully observe any expiry date for the voucher(s) and Enrich Miles. HLIB shall not be liable for any GEMFIVE e-voucher(s), petrol voucher(s)/gift card(s), or Enrich Miles not utilized before the applicable expiry date. No refunds or re-issuance will be made for any expired voucher(s), Enrich Miles and HLeBroking Points. o. When will my HLeBroking Points expire? Your HLeBroking Points will expire on 31 January 2017. All unutilized HLeBroking Points after 31 January 2017 will be cancelled. If you close your HLeBroking trading account, are unable for any reason to continue your account or your account is suspended or terminated, your participation in the HLeBroking Points Campaign shall be automatically cancelled and any unutilized HLeBroking Points shall be forfeited unless redeemed within any time period specified by us. Your HLeBroking Points may not be transferred to another person for any reason.

p. When do these Terms and Conditions apply to me? You agree to be bound by these Terms and Conditions when you first redeem your HLeBroking Points. The latest version of the Terms and Conditions are always available at www.hlebroking.com and the prevailing version posted on the website shall prevail over any provisions or representations contained in any other materials regarding the HLeBroking Points Campaign. Other terms: The terms and conditions above and all applicable Malaysian laws and regulations shall bind the HLeBroking Points Campaign. Nothing contained in these terms and conditions nor any part of the HLeBroking Points Campaign shall be construed as an offer, recommendation or solicitation to buy or sell any securities. You are advised to make your own independent assessment and consult your professional advisers prior to making any trade or investment.