HERE - Alliance Bank Malaysia Berhad

ALLIANCE PRIVILEGE & ALLIANCE PERSONAL WEALTH CAMPAIGN TERMS AND CONDITIONSTHE RETURNS ON YOUR STRUCTURED PRODUCT INVESTMENT WILL BE AFFECTED BY THEPERFORMANCE OF THE UNDERLYING ASSET/REFERENCE, AND THE RECOVERY OF YOURPRINCIPAL INVESTMENT MAY BE JEOPARDISED IF YOU MAKE AN EARLY REDEMPTION.THIS STRUCTURED INVESTMENT IS NOT INSURED BY PERBADANAN INSURANS DEPOSITMALAYSIA.Eligibility:1. The Alliance Bank Malaysia Berhad (“ABMB”) Alliance Privilege and Alliance Personal Campaign(“Campaign”) will run from 1 st July 2013 to 31 st October 2013 (“Campaign Period”).2. This Campaign is open to the following individuals:2.1. New-To-Bank Alliance Privilege and Alliance Personal Banking customers (“NewCustomers”);2.2. Existing Alliance Privilege and Alliance Personal Banking customers (“Existing Customers”);(New Customers and Existing Customers are collectively known as “Eligible Customers”).3. The following individuals shall not be eligible for this Campaign:3.1. Permanent and/or contract employees of ABMB (including its subsidiaries and relatedcompanies) and/or agents (including advertising and promotion agents) and their immediatefamily members;3.2. Customers whose account(s) with ABMB have been suspended or terminated within theCampaign Period or who have breached any other agreements with ABMB;3.3. Customers whose account(s) with ABMB are deemed to be delinquent or unsatisfactorilyconducted at ABMB’s sole and absolute discretion;3.4. Any other persons as ABMB may decide to exclude at its sole and absolute discretion withoutfurnishing any reason(s) therefor.4. To be eligible for the Campaign, New Customers must satisfy the following criteria:4.1. Sign up for Alliance Privilege membership and place fresh fund of minimum Net InvestableAsset (“NIA”) of RM200,000.00 with ABMB under any of the packages detailed in Table 1.OR4.2. Sign up for Alliance Personal membership and place fresh fund of minimum NIA ofRM50,000.00 with ABMB under any of the packages detailed in Table 1.5. To be eligible for the Campaign, Existing Customers must satisfy the following criterias:5.1. Place fresh fund of minimum NIA of RM50,000.00 with ABMB under any of the packagesdetailed in Table 1.5.2. Existing Customers will enjoy the premium gifts subject to satisfaction of the conditions setout below:-.PB & AP Campaign (1 July 2013 – 31 October 2013) Page 1 of 6

The Existing Customer with existing Net Investable Asset (“NIA”) will be referred toJune 2013 closing NIA.The Existing Customer are required to have an incremental amount of total averageNIA during July 2013 – October 2013 as compared to June 2013 NIA, for example:Average NIA of 1 July 2013 – 31 October 2013 > NIA at 30 June 2013Fresh Fund refers to fund that is not derived from any existing account(s) with ABMB. NIA refers tothe total value of assets that a customer has placed with ABMB which includes, a Fixed Deposit,Savings Account, Current Account (except Savelink current account), foreign currency account(either current account and/or fixed deposits) ** , Investment-linked funds and/or Unit Trust fund.** For foreign currency accounts (the equivalent in Ringgit Malaysia (“RM”) is taken into considerationbased on the prevailing rate upon the opening of account and the placement of funds.Notwithstanding the above, all general terms and conditions related to Foreign Currency Accounts willapply).6. A penalty will be imposed in the event the Eligible Customers withdraws the earmarked deposit inCurrent Account or Saving Account, within the earmarked period. The penalty will be charged to theEligible Customer based on the cost of the respective premium gift.Campaign Criterias7. All investments must be in the Eligible Customers’ own names. For joint account, the EligibleCustomers must be the primary account holder and is eligible to redeem ONE (1) Gift only accordingto the respective tier amount as contained in Table 1.8. To be eligible for the Campaign, Eligible Customers must place fresh fund deposit and investmentplacement in any combination of the participating products as listed below with ABMB with theminimum amount as stated in Table 1.9. In order to participate in the Current Account & Savings Account (CASA) bolt-on package, eligiblecustomer must place a fresh minimum fund of RM50,000.00 in investment with ABMB under any ofthe packages detailed in Table 1.Participating products in Table 1 under this Campaign are as follows:Investment: Unit Trust (“UT”) Structured Investment (“SI”) Retail Bond Fund Equity linked Investment (ELI) Bancassurance Single and Regular PremiumPB & AP Campaign (1 July 2013 – 31 October 2013) Page 2 of 6

Deposit10.6. Monies that participate in CASA bolt-on package must be made with fresh fund.10.7. All monies that are placed in CASA shall earn interest at the prevailing board rates.10.8. Deposit placed and earmarked in CASA must be in one (1) CASA account only andearmarked for SIX (6) months from date of placement. Such deposit cannot be split intodifferent terms or different placement date(s) and / or different accounts.10.9. A penalty sum will be imposed in the event the Eligible Customers withdraws the earmarkeddeposit in CASA account within the earmarked period or Premature Fixed Depositupliftment. The penalty will be charged to the Eligible Customer based on the cost of therespective Premium Gifts.Investment Products10.10. There are lists of participating Funds that are eligible for the Gift under this Campaign. Kindlycheck with your Relationship Manager or Personal Financial Consultant for details.10.10.1. Unit Trust (UT) Cooling-Off right:- The cooling off right is only applicable once to the Eligible Customer who isinvesting for the first time in any UT with ABMB. Please note that cooling off right isstill eligible for first time investing in other funds. Once the cooling off right is exercised by the Eligible Customer, the EligibleCustomer will receive the refund of the UT investment amount and the UT up-frontcharge paid. The cooling- off period is a period of six (6) business days commencing from thedate of purchase of the UT as per stipulated in the prospectus.10.10.2. Structured Investment Cooling-Off right:Investors who invest in the structured investment during an offer period will begiven the option to obtain a full refund of the principal amount within three (3) localbusiness days of such investment or the remaining offer period, whichever isearlier.10.10.3. Retail Bonds Cooling-Off right:There is NO cooling-off right for Retail Bonds. Customers can choose to redeemthe investment products after the Initial Offer Period but it is subject to the markto-marketvalue at the point of redemption.10.10.4. Bancassurance (BA) Cooling-Off:-For traditional life insurance products: Standard fifteen (15) days cooling off periodapplies for policy purchased under this Campaign. Eligible Customer has the right toreturn the policy to the insurance company within fifteen (15) days from the date ofdelivery of the policy document. Once the cooling off right is exercised by the EligibleCustomer, the Eligible Customer will receive the refund of the full premium paid, afterPB & AP Campaign (1 July 2013 – 31 October 2013) Page 4 of 6

deducting medical expenses (if any) incurred by insurance company for issuing thepolicy.For investment-linked insurance products: Standard fifteen (15) days cooling offperiod applies for policy purchased under this Campaign. Eligible Customer has theright to return the policy to the insurance company within fifteen (15) days from thedate of delivery of the policy document. Once the cooling off right is exercised by theEligible Customer, the Eligible Customer will receive the refund of the account valueestablished on the valuation date immediately following the date the cooling off noticeis received and approved by insurance company, together with the policy charges thathave been deducted less any expenses which may have been incurred for anymedical examination.10.11. Condition on the BA products:10.11.1. This Campaign shall be applicable to regular and single premium planspurchased.10.11.2. This Campaign shall only be applicable to regular premium plans purchasedusing yearly premium paying modes only (“The Premium”).10.11.3. The Eligible Customer must be the policy owner for the BA product purchasedunder this Campaign.10.11.4. The premium amount can be accumulated during the Campaign Period.10.11.5. Insurance company must receive the premium payment in the case of paymentsby cheques or account transfer before Eligible Customers are entitled to the giftsunder this Campaign. For credit card or auto debit, a complete form has to besubmitted.10.11.6. BA policies must be issued by 16 th Nov 2013.11. Gifts11.1. The Gifts shown in advertisements and other marketing materials are for illustrationpurposes only. The actual design may differ.11.2. All gift redemptions for CASA bolt-on package must be indicated by the Eligible Customersby filling up and signing the completed Earmark Form intended for this Campaign whichmust be duly submitted to ABMB by 31 st October 2013.11.3. All gift redemptions for any of the package under Table 1 must be registered through ABMBby sales personnel by filling up the Premium Gift Registration Log for this Campaign whichmust be duly submitted to ABMB’s Headquarters at Capital Square by 5 th November 2013.11.4. Please allow eight (8) to twelve (12) weeks for delivery after the end of the CampaignPeriod, i.e. 31 st October 2013.11.5. ABMB sales personnel will notify the Eligible Customers via telephone when the Gift isdelivered to branch, they are to collect the Gift at the servicing branch i.e. where theinvestment transactions were made. The Eligible Customer must produce their originalNational Registration Identity Card (“NRIC”) for redemption of the Gift.11.6. All Gift(s) do not include installation costs and are not exchangeable for cash.11.7. Delivery of the Gift(s) will be made against written acknowledgement or receipt of the gift(s)by the occupant(s) at the Eligible Customer’s servicing branch.PB & AP Campaign (1 July 2013 – 31 October 2013) Page 5 of 6

11.8. ABMB reserves the right to change or substitute at any time, at its own discretion, any of theGift(s) with others of similar value without prior notice.11.9. All unclaimed gift(s) within one (1) month from the period indicated under Clause 10 will beforfeited. It is the Eligible Customer’s responsibility to contact their respective PersonalFinancial Consultant or Relationship Manager if the Gift(s) is not received by the end of theestimated delivery period as stated above.11.10. Eligible Customers are advised to examine the Gift(s) upon receipt. If the Eligible Customerfinds the Gift items to be faulty or damaged, or is otherwise dissatisfied, the EligibleCustomer are advised to liaise with the relevant merchant or manufacturer directly. ABMBdoes not warrant nor shall ABMB be responsible for the quality, merchantability or thefitness or any other aspect of the Gifts received by the Eligible Customers in connection withthis Campaign. ABMB does not represent and/or is not an agent of the merchant(s),agent(s) and service provider(s) participating in this Campaign. ABMB shall not be liable tothe Eligible Customer for any loss, cost or damages of any kind suffered or incurred by theEligible Customer or any other person, resulting from the use of the Gifts.10.10 ABMB reserves the right to forfeit the Gift(s) if the Eligible Customers do not comply with anyof the terms and conditions stipulated herein.10.11 ABMB shall not be obligated to replace any damaged or stolen Gift(s).General12. FDs that are pledged under loan facilities/provided as lien to ABMB are not eligible to participate inthis Campaign.13. These Terms and Conditions shall be supplemental to the existing terms and conditions governingyour CASA deposits and banking accounts. All the existing terms and conditions governing therelevant (investments products) shall continue to apply.14. By participating in the Campaign, the Eligible Customer agrees to be bound by the Campaign Termsand Conditions.15. All decision made by ABMB in respect of this Campaign shall be final. No correspondence will beentertained.16. If any matters arise which are not covered in the Campaign’s Terms and Conditions, they will bedetermine solely by ABMB.17. ABMB reserves the right at any time to amend, delete or add the Campaign Terms and Conditionscontained herein, wholly or in part at its absolute discretion. For updated versions of these Termsand Conditions, please visit www.alliancebank.com.my from time to time. In the event of conflict,these Terms and Conditions shall prevail over the contents of any other promotional materialsadvertising this Campaign.18. For the avoidance of doubt, cancellation, termination, suspension or extension of the CampaignPeriod shall not entitle the Eligible Customer to any claims or compensations against ABMB for anyand all losses or damages suffered or incurred by the Eligible Customer as a direct or indirect resultof the act of cancellation, termination, suspension or extension.19. ABMB shall not be responsible nor shall accept any liabilities of whatsoever nature howsoever arisingor suffered by Eligible Customers resulting directly or indirectly from this Campaign.PB & AP Campaign (1 July 2013 – 31 October 2013) Page 6 of 6