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Alliance Bank Dash4Cash Campaign-

Terms and Conditions

Alliance Bank Malaysia Berhad 198201008390 (88103-W)

1. The “Alliance Bank Dash4Cash Campaign- Referral Offer (“Campaign”) is organised by

2. By participating in this Campaign, the Eligible Referrer(s) (as defined hereunder) shall have
thoroughly read and fully understood all the Terms and Conditions herein and fully agree to
be bound by and accept all Terms and Conditions.

3. The Bank reserves the right at any time to change the duration and/or the commencement
and/or expiry dates of the Campaign Period with prior notice via the bank’s official website.

4. New Customers and Existing Customers who meet the conditions as set out hereinafter be
collectively referred to as “Eligible Referrer(s)”. Notwithstanding the abovementioned, the
following individuals are NOT eligible to participate in this Campaign:
a. Customers whose account(s) with the Bank are dormant or inactive or who have
breached any agreements with the Bank; or
b. Customers whose account(s) with the Bank are, as per the Bank’s internal policies,
unsatisfactorily conducted; or
c. Any other persons as determined by the Bank to be excluded according to the Bank’s
internal policy(ies); or
d. Individuals who are financially insolvent or who have been adjudicated a bankrupt; or
e. non-individual entities including but not limit to sole-proprietorships, partnerships,
charitable/non-profit organizations/societies, corporate and commercial customers,
public listed and private limited companies, clubs, associations and co-operatives.
f. Permanent and/or contract employees of Alliance Bank (including its subsidiaries and
related companies) are not eligible to participate;

5. To be entitled for this Campaign, the Eligible Referrer(s) must ensure that the following
conditions are fulfilled by the potential customer (“Eligible Referee(s)”):

(i) Within the Campaign Period, the Eligible Referrer(s) must introduce or refer an Eligible
Referee(s) to open an Alliance SavePlus Account/-i (“Eligible Account”) by completing
the online referral form at https://www.alliancebank.com.my/promotions/saveplus-
dash4cash-efd-promotion-oct2023#refer-form. Before the Eligible Referee(s) may begin
the account opening process, the Referral form(s) needs to be submitted.
(ii) It is the Eligible Referrer(s)’s responsibility to ensure that the information (such as the
name as per NRIC, NRIC Number, and Mobile Number) submitted in the online referral
form(s) are correct. Failure to do so, will result in an invalid referral and no Cashback will
be rewarded.
(iii) The Eligible Referral (defined as a new customer lead is referred by the Eligible
Referrer(s) under the campaign) will be tagged to the Eligible Referrer(s) and be
rewarded only if the Eligible Referee(s) initiates an Eligible Account opening through the
allianceonline mobile app (AOM) - electronic Know Your Customer process (“eKYC”)
and successfully opened an Eligible Account during the Campaign Period under the same
mobile number as submitted by Eligible Referrer(s) in the referral form(s). The Eligible
Account needs to be activated with a minimum deposit of RM100 and kept active until
the end of the account opening month.
(iv) The Eligible Referee(s) must be a New to Bank customer or an existing customer aged
18 years old and above and does not hold any Current/Savings Account/-i (“CASA/-i”)
including SaveLink Account, Share Trading and Share Margin Financing Account with
the Bank for the past twelve (12) months prior to the starting date of the Campaign
Period.
(v) The Eligible Referee(s) is required to open an Eligible Account under his/her own name
as primary account holder.
(vi) Eligible Referrer(s) must be a primary account holder who hold a valid and active CASA/-
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i with the Bank before referring the Eligible Referee to open an Eligible Account.
(vii) If the Eligible Referee(s) has keyed in an Invitation Code to participate in another
Campaign within the Bank or is a Payroll customer under Alliance@Work, the Eligible
Referral will be declared invalid.

6. Eligible Referee(s) that has fulfilled the above conditions is considered as one (1) successful
referral (“Successful Referral”) by the Eligible Referrer(s). There is no limitation on the number
of Cashback an Eligible Referrer(s) can earn.

7. The Successful Referral will be entitled for the following Cashback as set out in the table
below:
Criteria Cashback
Each successful referral RM30 Referral Cashback

8. This Campaign does not allow The Eligible Referrer(s) to refer themselves. Furthermore, if
the Bank receives a referral form from an Eligible Referrer(s) and an Eligible Referee(s), the
Bank will reward the Eligible Referrer(s) who have a valid Current or Savings Account with
the Bank prior to submitting for the Referral.

9. To be eligible to participate in this Campaign, the Eligible Referrer(s) must complete the
referral form(s) at https://www.alliancebank.com.my/promotions/saveplus-dash4cash-efd-
promotion-oct2023#refer-form for each referral. If the Eligible Referrer(s) do not comply, they
will be disqualified from receiving the Cashback. Eligible Referrer(s) can submit up to three
(3) referrals at one time.

10. If there are multiple submissions of the same Eligible Referee’s details received, the
Cashback will be awarded to the first Eligible Referrer(s) who submitted the Referral Form to
the Bank.

11. It is the Eligible Referrer(s) responsibility to obtain consent from the person(s) referred in this
form and the person(s) has agreed to receive direct marketing communications on the Bank’s
product and services pertaining to this Campaign.

12. The Eligible Referrer(s)’s CASA/-i must be valid and active as determined by the Bank as per
the Bank’s internal policies and must NOT be in breach of any of the Bank policies at all times.
In the event if the Eligible Referrer(s) do not hold a valid and active CASA/-i, it is the Eligible
Referrer(s)’s responsibility to open a CASA/-i before the Eligible Referee complete the
account opening. Failure to do so may result in an invalid referral and no Cashback will be
rewarded.

13. The Bank’s decision on the records of the form submission and application date will be final
and conclusive.

14. The fulfillment of the Cashback will be effected within six (6) weeks after the account opening
month.

15. For the Eligible Referrer(s) who hold accounts jointly with other parties, all such accounts
shall be considered as one single account only based on the name of the primary account
holder. In the event of joint account holders, the Cashback shall be given to the primary
account holder only.

16. The Bank shall not accept any responsibility for claims not credited within the fulfillment period
due to no registration form submitted, incorrect or incomplete details provided. It is the Eligible
Referrer(s)’s responsibility to ensure that correct details are provided for claims to be
processed. The Bank will not be liable for any traffic congestion or internet inaccessibility.
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17. The Bank reserves the right to disqualify any Eligible Referrer(s) or forfeit the Cashback in
circumstances where there is a fraudulent, unauthorised or reversal of transaction(s) or
breach or potential breach of this Campaign Terms and Conditions as per the Bank’s internal
policies.

18. If the Eligible Referrer(s) or Eligible Referee(s) has participated in several campaigns or
promotions at the same time, the Eligible Referrer(s) or Eligible Referee are only entitled to
receive the Cashback(s) or Reward(s) under one of the participating campaigns or
promotions. The Bank reserves the right to decide which campaigns or promotions is
applicable to the relevant Eligible Referrer(s) or Eligible Referee.

19. All decisions made by the Bank in respect of this Campaign shall be final and conclusive and
no appeals, correspondences or protests shall be considered.

20. The Bank reserves the right at any time to add, delete, vary and/or amend the Terms and
Conditions, wholly or in part, as per the Bank’s internal policies with prior notice and the
Eligible Referrer(s) and Eligible Referee(s) (“Eligible Customer(s)”) shall by virtue of their
participation in this Campaign to have fully agreed and accepted the said additions, deletions,
variations and/or amendments. For the updated version of the Terms and Conditions, please
visit www.alliancebank.com.my from time to time. In the event of any inconsistency between
the Terms and Conditions hereunder and the updated version(s), the latter shall prevail but
only to the extent of such inconsistency thereof.

21. By participating in this Campaign, the Eligible Customer(s) shall have accepted and agreed
to be bound by the Terms and Conditions herein including any amendments or variations to
it with prior notice and accept the same in their entirety. This Campaign Terms and Conditions
and the Bank’s decision on all matters relating to this Campaign shall be final and binding on
the Eligible Customer(s) and no correspondences and/or appeal in respect thereof shall be
considered

22. This Campaign Terms and Conditions shall be supplemental to the existing Terms and
Conditions governing the Eligible Customers CASA/-i maintained with the Bank (“the Existing
Terms”).

23. The Bank reserves the right to terminate the Campaign in circumstances where there is a
fraudulent, unauthorised or reversal of transactions, with prior notice.

24. In the event of any cancellation, termination, suspension or extension of the Campaign
Period, the Eligible Customer(s) shall not be entitled to any claims or compensations against
the Bank or for any and all losses or damages suffered or incurred by the Eligible Customer(s)
as a direct or indirect result of the act of cancellation, termination, suspension or extension.

25. The Bank shall not be responsible nor shall accept any liabilities of nature arising or suffered
by the Eligible Customer(s) resulting directly or indirectly from this Campaign.

26. The Eligible Customer(s) shall be personally responsible for all taxes, rates, government fees
or any other charges that may be levied against them under applicable laws, if any, in relation
to this Campaign.

27. All the Terms and Conditions including the additions, deletions, variations and/or
amendments as may be made in respect thereof from time to time shall be governed by and
construed in accordance with the laws of Malaysia and unless as agreed otherwise by the
Bank, the Eligible Customer(s) hereby agree to submit to the exclusive jurisdiction of the
competent courts of Malaysia.

28. The Eligible Customer(s) hereby give their unequivocal and irrevocable consent and
authorise ABMB to use, publish and/ or display the names, any photographs taken, any
videos recorded and/ or other information for advertising and/ or promotion limited to this
campaign only, without any compensation to the Eligible Customer(s).
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29. By participating in this Campaign, the Eligible Customer(s) agrees that they have read the
Notice and Choice Principle Statement available at the Bank’s website
(https://www.alliancebank.com.my/Alliance/media/Pdf/Personal%20Data%20Protection%20
Act%202010/NCP-for-website-ENG.pdf) and hereby gives their consent and authorises the
Bank to disclose their particulars to any third party service provider engaged by the Bank for
the purpose of this Campaign.

30. The Bank has instituted and maintains policies and procedures designed to prevent bribery
and corruption by the Bank and its directors, officers, or employees; and to the best of the
Bank’s knowledge, neither the Bank nor any director, officer, or employee of the Bank has
engaged in any activity or conduct which would violate any anti-bribery or anti-corruption law
or regulation applicable to the Bank. The Bank has not, and covenants that it will not, in
connection with the conduct of its business activities, promise, authorise, ratify or Cash Back
to make, or take any act in furtherance of any payment, contribution, Cashback,
reimbursement or other transfer of anything of value, or any solicitation, directly or indirectly
to any individual.

31. By virtue of participating in this campaign, the Eligible Customer(s) hereby acknowledges that
it has been made aware of the Bank’s anti-bribery and corruption summary of the policy
available at https://www.alliancebank.com.my/Anti-Bribery-and-Corruption-Summary-of-
Policy.aspx and further covenants/undertakes that it shall not indulge in such corrupt
practices in whatsoever manner whether directly or indirectly with any directors, officers or
employees of the Bank.

Prevention and Mitigation of Banking Fraud and Scam

32. The Bank may from time to time provide the latest update or content to educate the Eligible
Customer(s) and create awareness that helps prevent or mitigate fraud and scam risk. These
may include but not be limited to security tips, software/operating system/application/version
update, and regulation requirements from any relevant governing bodies.

33. The Eligible Customer(s) shall keep in safe custody all banking instruments, for example
cheque books/cheque leaves, security tokens, debit card, telephone banking PIN, internet
and mobile banking login credentials, and transaction authorisation code (TAC). The Eligible
Customer(s) shall notify the Bank immediately when the Eligible Customer(s) becomes aware
that any of the above is lost or used without authority or proper authorisation. The Eligible
Customer(s) shall not be liable for losses resulting from unauthorised transaction(s) occurring
after the Eligible Customer(s) had notified the Bank in accordance with these Terms and
Conditions that the Eligible Customer(s)’s banking instruments mentioned above have been
lost, misused, stolen, compromised or breached.

34. Where any loss or damage suffered by the Eligible Customer(s) is solely attributed to the
willful negligence of the Bank, the Bank’s sole and entire liability (whether in respect of one
or more claims) to the Eligible Customer(s) in contract or tort shall not exceed the amount of
the transaction which gave rise to the claim or claims or the direct damages sustained,
whichever is lower. In no event shall the Bank be liable for any loss of business, loss of profits,
earnings or goodwill, loss of data, indirect, consequential, special or incidental damages,
liabilities, claims, losses, expenses, disbursements, awards, penalties, proceedings and
costs regardless of whether the possibilities of such losses or damages were disclosed to, or
could have reasonably been foreseen by the Bank.

35. Upon being notified by the Eligible Customer(s) of such incident, the Bank shall conduct an
investigation and the Eligible Customer(s) is required to provide sufficient information and
collaboration to facilitate the investigation. The Bank is hereby given the authority to perform
the following measures upon detection (with/without prior consent from Eligible Customer(s))
in order to prevent or mitigate further financial loss while the Bank is performing its
investigation:
i. Suspend or freeze the affected account;
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ii. Revoke or reset the Eligible Customer(s)’s internet or mobile banking access; and/or
iii. Revoke the validity of banking instruments;
and the Eligible Customer(s) will be notified once the above has been operated.

Note:
Alliance SavePlus Account/-i is protected by PIDM up to RM250,000 for each depositor per
financial institution.

Alliance SavePlus Account-i is based on the Shariah concept of Tawarruq.