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Exclusive RinggitPlus Public Bank Credit Card Campaign Terms and Conditions

1. The Exclusive RinggitPlus Public Bank Credit Card Special Offer Campaign
(“Campaign”) organised by Jirnexu Sdn Bhd (1081989-D), (“The Organiser”) shall
commence on 29th September 2017 and be available until 31st December 2017,
both dates inclusive unless notified otherwise (“Campaign Period”). The Organiser
reserves the right to end the Campaign earlier than 31st December 2017. Applications
received after the Campaign has ended will not be valid.

2. The Campaign is open to all customers who:

2.1 Apply online at the Organiser's website ringgitplus.com for a Qualifying Public
Bank Credit Card (“PB Credit Card”) as a Principal Cardmember
(“Cardmember”), are approved, and receive any one (1) of the qualifying PB
Credit Cards during the Campaign Period;

2.2 Qualifying PB Credit Cards are:

 PB Visa Infinite Credit Card


 PB World MasterCard Credit Card
 PB Visa Signature Credit Card
 PB Visa Platinum Credit Card
 PB Platinum MasterCard Credit Card
 PB Visa Gold Credit Card
 PB Gold MasterCard Credit Card
 PB-Petron Visa Gold Credit Card
 PB AIA Visa Gold Credit Card
 Public Bank Quantum Visa Credit Card
 Public Bank Quantum MasterCard Credit Card
 Public Islamic MasterCard Gold Credit Card-i
 Public Islamic MasterCard Platinum Credit Card-i
 Public Islamic Visa Gold Credit Card-i
 Public Islamic Visa Platinum Credit Card-i
2.3 The following categories of persons shall NOT be considered as a Cardmember
and shall NOT be eligible for this Campaign:

 Persons who make an application for a Public Bank Credit Card at


Public Bank’s website or any other channel except at ringgitplus.com;
 Existing Public Bank / Public Islamic Bank Principal Credit
Cardmembers;
 Former Public Bank Principal Credit Cardmembers who have cancelled
their PB Credit Card within twenty-four (24) months from the date of
current application;
 Employees of the Public Bank group, its advertising agencies, their
immediate families or any other persons connected with the administration
of the Campaign.

2.4 The Organiser reserves the right to approve or reject applications submitted at
the website without assigning any reason.

3. The Organiser offers an exclusive gift ("Campaign Gift") to customers who are
approved by Public Bank and subsequently activate and spend with their new credit
card (“Eligible Cardmembers”).

3.1 Each Cardmember is eligible for only one Campaign Gift throughout the
Campaign Period, regardless of the number of approved PB Credit Cards they
receive during the Campaign Period. To qualify for a Campaign Gift a
Cardmember must apply for a Public Bank Credit Card from the Organiser’s
website during the Campaign Period, be approved, receive a new card and swipe
the new card to make an accumulative of RM250 retail transactions within
45 days of card approval.

3.2 Cardmember's application for a Public Bank Credit Card must be made via the
Organiser’s website on or before 31st December 2017.

3.3 For the purpose of this campaign, “retail transaction” means the purchase of any
goods or services (local and overseas) with the use of the Credit Card and may,
at Public Bank’s discretion, include any Credit Card transaction determined by
Public Bank except for the following transactions:
a) “Flexipay” AND “Zero Interest Installment Plan” monthly installment
payment.
b) Balance Transfer
c) Auto-Debit & Recurring Payments
d) Payments for utilities, direct marketing, insurance premiums,
government related payments, payment via www.pbebank.com
e) Any refund, disputed, unauthorized or fraudulent retail transaction
f) Cash Advance / Cash Withdrawal, quasi cash, casino transactions,
interest payments, late payment fees, finance charges, annual fees,
reversals, payment to charity, Goods and Services Tax and any other
form of service / miscellaneous fees

3.4 The Campaign Gift is a RM200 Touch „n Go Card. The offer of the Campaign
Gift is exclusively available at the Organiser’s website, ringgitplus.com.

3.5 Eligible Cardmembers from this Campaign will not be eligible for other PB
Credit Card Acquisition Offers.

3.6 The Campaign Gift is subject to availability. In the event of unforeseen


Circumstances, the Organiser reserves the right to substitute alternative gifts of
equivalent or greater value.

3.7 The Organiser is responsible for fulfillment and will provide the Eligible
Cardmember with a redemption code that will be used to claim the Campaign
Gift within 30 days upon fulfillment of all terms and conditions listed and
notified by Public Bank. Eligible Cardmembers who receive the redemption
code should visit https://ringgitplus.com/more-for-your-money/ to claim and to
arrange delivery of the Campaign Gift.

3.8 The Organiser is responsible for fulfillment and will send each Campaign Gift
via a reputable courier service within thirty (30) days of the Eligible Customer
claiming his gift from RinggitPlus. Delivery of the Campaign Gift is subjected to
eligible customers with a valid residential address in Malaysia only. In the event
of a customer with address outside of Malaysia, the Organiser will contact the
eligible customers to request for the details of the customer’s relative with a
valid residential address in Malaysia.
3.9 It is the Eligible Cardmember’s responsibility to claim the Campaign Gift from
the Organiser on or before 30th June 2018 (“Claim Period”). Eligible
Cardmember who claims the Campaign Gift after the Claim Period will not be
entertained by the Organiser.

3.10 The Campaign Gift is not transferable and not exchangeable for cash.

3.11 Only Cardmembers who fulfill the Campaign Terms and Conditions shall be
eligible for Campaign Gift. The Organiser reserves the right to disqualify
applicants who have failed to fulfill the Special Offer Terms and Conditions
and/or who have submitted incomplete or inaccurate date, without prior notice.

3.12 The Bank reserve the absolute discretion to disqualify gift entitlement for any
applicants for any reason whatsoever as the Bank may in its absolute discretion
deem fit.

3.13 In the event of a dispute or an issue in regard to non-receipt of the Campaign


Gift, the Eligible Cardmember is required to contact PB Card Customer Service
(03-2176 8000) by 30th April 2018 to request an inquiry. PB will not entertain
requests for inquiry after 30th April 2018.

4. By applying at ringgitplus.com, all customers consent to the use of their personal data
by the Organiser for the purposes of the administration of this offer and any other
purposes to which the entrant has consented, such as the Terms and Conditions,
Personal Data and Information Notice, and Privacy Policy published at
ringgitplus.com.

5. By accepting the offer each eligible person agrees to be bound by these terms and
conditions.

5.1 The Organiser reserves the right to cancel, terminate or suspend the Campaign
without notice. Any cancellation, termination or suspension of the Campaign by
The Organiser shall not entitle the applicant to any claim or compensation
against The Organiser for any loss or damage incurred by the applicant as a
direct and indirect result of such cancellation, termination or suspension.
5.2 The decisions of the Organiser in relation to every aspect of the Campaign,
including but not limited to the type of Campaign Gift, shall be deemed final and
conclusive under any circumstance and no complaint from any applicant will be
entertained. The decisions of The Organiser are final, conclusive and binding
and no further appeal, enquiry and/or correspondence will be entertained.

5.3 The terms and conditions herein contained shall be governed by and construed in
accordance with the laws of Malaysia.

6. General Terms and Conditions

6.1 The Bank reserves the right to change, amend, delete or add on to these Terms
and Conditions from time to time with at least twenty one (21) calendar days
prior notice which notice of such change, amendment, deletion or addition shall
be published on the Bank's website www.pbebank.com.

6.2 By participating in this Campaign, the Eligible Cardmember :

a) shall be deemed to have read, understood and agreed to be bound by these


Terms and Conditions stated herein. The decision of the Bank shall be final,
binding and conclusive. No correspondence, disputes and appeals will be
entertained;

b) agrees and consents that information regarding his/her can be processed,


collected, used and stored by the Bank for the purpose of this Campaign;

c) agrees and consents that his/her full name and contact number will be
forwarded by the Bank to Jirnexu to enable Jirnexu to deliver the Campaign
Item;

d) agrees that the decision of the Bank will be final, binding and conclusive
and that no appeal, correspondence, queries or protests will be entertained;
and

e) agrees and consents that the Bank, as the case may be, may use his/her
registered contact number for marketing purposes within the Bank.
6.3 The Bank reserves the right to cancel, terminate or suspend the Campaign. For
the avoidance of doubt, cancellation, termination or suspension by the Bank of
the Campaign shall not entitle the Eligible Cardmember to any claim or
compensation against the Bank for any and all loss or damage suffered or
incurred by the Eligible Cardmember as a direct and indirect result of the act of
cancellation, termination or suspension.

6.4 The Bank shall not be liable, whether direct or consequential, for any loss and
damage or whatsoever suffered by the Eligible Cardmember caused directly or
indirectly, in whole or in part, from his/her participation in the Campaign as a
result of any act or omission on the part of the Bank.

6.5 The Terms and Conditions herein are in addition to and without prejudice to the
Terms and Conditions stated in the Cardmember Agreement applicable to the
Eligible Cardmember’s Card Account. In the event of any inconsistency between
these Terms and Conditions and the said Agreement, these Terms and
Conditions shall prevail in so far as they apply to the “RinggitPlus Campaign”.

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