FREQUENTLY ASKED QUESTIONS (FAQ) ABOUT THE MAYBANK GOLF PROGRAM 12 Oct 2012 to 11 Oct 2013

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1 MAYBANK GOLF PROGRAM YEAR 2 MAYBANK MASTERCARD WORLD CREDIT CARD, AMERICAN EXPRESS CENTURION CREDIT CARD, AMERICAN EXPRESS PLATINUM CHARGE CARD, MAYBANK 2 PLATINUM CREDIT CARD, VISA INFINITE CREDIT CARD IN MALAYSIA AND MATERCARD WORLD AND VISA INFINITE CARD MEMBERS IN SINGAPORE AND INDONESIA FREQUENTLY ASKED QUESTIONS (FAQ) ABOUT THE MAYBANK GOLF PROGRAM 12 Oct 2012 to 11 Oct 2013 Maybank Year 2 Golf Rewards program Benefits? Principal Maybank MasterCard World credit card, American Express Platinum credit card, American Express Platinum charge card, Maybank 2 Platinum credit card, Visa Infinite credit card issued in Malaysia and MasterCard World and Visa Infinite credit card issued in Singapore and Indonesia, cardholders enjoy the following golfing benefits from 12 October 2012 to 11 October 2013: Complimentary Green Fees at 10 golf clubs in Malaysia, and 10 golf clubs in Singapore, Indonesia, China, Thailand,Australia and UAE. Which are the golf clubs in this program? Malaysia Clubs 1. Horizon Hills Golf & Country Club Johor, Malaysia (cannot be advertised) 2. The Legends Golf & Country Resort Johor, Malaysia 3. Tropicana Golf & Country Club Kuala Lumpur, Malaysia 4. Bukit Jalil Golf & Country Club Kuala Lumpur, Malaysia 5. Kota Permai Golf & Country Club Kuala Lumpur, Malaysia 6. Royal Perak Golf Club Perak, Malaysia (cannot be advertised) 7. Staffield Country Resort Negeri Sembilan, Malaysia (cannot be advertised) 8. Sutera Harbour Golf & Country Club Sabah, Malaysia 9. Nilai Springs Golf & Country Club Selangor, Malaysia (cannot be advertised) 10. Saujana Golf & Country Club Selangor, Malaysia Overseas Clubs 1. Orchid Country Club Singapore 2. Ria Bintan Golf Club Bintan, Indonesia 3. Klub Golf Bogor Raya Bogor, Indonesia 4. Imperial Klub Golf Tangerang Indonesia 5. Nirwana Bali Golf Club Bali, Indonesia 6. Lotus Hills Golf Resort - Guangzhou, China 7. Royal Gems Golf and Lodge Bangkok, Thailand 8. Mission Hill Phuket Golf Club Phuket, Thailand 9. The Dunes Golf Links Melbourne, Australia 10. Emirates Golf Club - Dubai, UAE

2 How do I make a golf booking? Cardholders: Call MBB Customer Service to make a golf reservation or enquiry. MBB Customer Service fill in the standard Global Concierge golf booking form Golf clubs will not entertain any calls from cardholders on program details or golf reservation. MBB will take down the booking requests, insert cardholder/s details, and tick on the box to obtain consent and approval of the cardmembers listed in the booking form to provide the card number and expiry date in order to make the golf booking. MBB is only required to tick the box where applicable when cardholder is playing with other cardholders. Please take note that: i) Booking for subsequent game can only be made after the current game is played. ii) Complimentary green fees cannot be used with any other promotion, event, social game or tournament. iii) Cardholders enjoy the complimentary green fees if they ride on club members tee time. iv) A club member cannot make a booking directly at the club and transfer the confirmed tee-time over to the Cardholder How far in advance do I have to call to make a golf booking? You will need to book at least 4 working days in advance for a weekday golf game and 6 working days in advance for a weekend golf game. Golf clubs can only revert with tee time one week before date of play. Therefore, if cardholder booked 2 weeks in advance, it is only 5 to 7 working days when he will receive the tee time. MBB Customer Service must highlight this to manage cardholder s expectation. What is the minimum number of golfers required for a booking? There must be a minimum of 2 golfers per flight for weekday and 3 golfers per flight for weekend bookings. Up to 4 cardholders in one flight can enjoy complimentary green fees. All other charges will be charged to individual cardholder s credit card. MBB Customer Service must take down each cardholder s name and credit card details and get approval for charges. If there is only 1 cardholder in a flight, he/she must bring a minimum of 1 paying guest. However, it is subject to pairing and at the discretion of the golf club for a 2 golfers flight. Up to 3 guests (non- Maybank cardholder) on cardholder s flight will enjoy 10% discount on walk-in green fee rates. Guest/s fees will be charged to cardholder s credit card. If there are 2 cardholders and 1 guest - MBB Customer Service must get approval from cardholder on which credit card to charge guest s fee. If there are 2 cardholders and 2 guests - MBB Customer Service must get approval from cardholder on which credit card to charge guests fee and if it needs to be split between the two cardholders.

3 Do I need to provide my golfer s handicap and the names of my guests when playing at these golf clubs? Guests names and handicaps are required so the clubs can verify on the day of play on the guest names with his handicap card. This is part of the golf club rules to ensure golfers enjoyment on their courses (for example a golfer with no handicap or PC may hold up other golfers in the flight after him and cause frustration and a lot of complaints from the players). For golfers who do not possess a valid handicap, we will still process the booking on a best-effort basis and subject to the approval of the golf clubs. Can a cardholder still book for a round of golf during Public Holidays? Principal Maybank cardholders playing during Public Holidays as Public Holidays are considered weekends. Hence, weekend green fee rates will apply during Public Holiday. Can a cardholder change his/her confirmed booking? Yes. There is an administration fee of MYR50 for changes made after a game is confirmed. However, changes made are subject to availability and approval from the golf club. Can a cardholder cancel his/her confirmed booking? Yes. However, there is a cancellation policy that will apply. CANCELLATION POLICY WEEKDAYS Any changes and cancellation for weekday bookings must be made 3 working days in advance prior to tee-off date. The following cancellation charges will apply to the Maybank Cardholders and their guest(s): 50% of the total chargeable amount* will be charged for cancellations made 2 working days before tee-off date 100% of the total chargeable amount* will be charged for cancellations made 1 working day before tee-off date, no-show or late arrivals * total chargeable amount includes green fee, buggy fee, caddy fee, turfmate fee, insurance and locker at normal published rates or walk-in rates at the golf clubs where applicable. Complimentary golf privileges for cardholders do not apply during cancellation CANCELLATION POLICY WEEKENDS Any changes and cancellation for weekend bookings must be made 4 working days in advance prior to tee-off date. The following cancellation charges will apply to the Maybank Cardholders and their guest(s) 50% of the total chargeable amount* will be charged for cancellations made 3 working days before tee-off date 75% of the total chargeable amount* will be charged for cancellations made 2 working days before tee-off date 100% of the total chargeable amount* will be charged for cancellations made 1 working day before tee-off date, no-show or late arrivals

4 * Total chargeable amount includes green fee, buggy fee, caddy fee, turfmate fee, insurance and locker at normal published rates or walk-in rates at the golf clubs where applicable. Complimentary golf privileges for cardholders do not apply during cancellation Summary of Cancellation Policy: Cancellation Made on: Weekday Booking Weekend Booking 4 working days before 3 working days before 2 working day before Date of Play 1 working day before No charge No charge 50% 100% 100% No charge 50% 75% 100% 100% Who do I call to change or cancel my golf booking? You have to call MBB Customer Service or MBB Customer Service for any changes or cancellation made to your booking. Golf clubs will not entertain calls from cardholders for changes and cancellations. Can cardholder simply walk into any of the affiliated clubs and utilize the services? No, you will have to book all your golf games through MBB Customer Service for reservations and confirmations. Bookings are required to be made at least 4 working days in advance during weekdays and 6 working days in advance for weekends. Who is Global Concierge? Global Concierge is the golf service provider for the Mabank Golf Program. How many guests can I bring for a game of golf? In a flight, you can bring up to 3 guests but bookings are subject to availability. If you are playing with a fellow Mabank cardholder: - Mabank MasterCard World credit card - American Express Platinum credit card - American Express Platinum charge card - Mabank 2 Platinum credit card - Visa Infinite credit card Both Mabank cardholders green fees are complimentary. Up to 4 cardholders can play together in a flight and all your green fees are complimentary. If you are playing with a non-maybank cardholder, your guest enjoys 10% discount on green fees off publish or walk-in rates. Your guest(s) fees will be charged onto your credit card.

5 I cannot confirm my booking just yet. Can I think about it and get back to you? Global Concierge will not be able to hold your booking, as it is the golf club s policy that if the golf club does not receive a confirmation, they will release the slot for the next booking. Also, name of all golfers in the flight must be submitted before a golf club can provide confirmation. How do I pay for my game? All payments for cardholders and guests must be made upon booking and charged to the cardholder s Principal Maybank MasterCard World credit card, American Express Centurion credit card, American Express Platinum charge card, Maybank 2 Platinum credit card, Visa Infinite Malaysia credit card issued in Malaysia All payments for cardholders and guests must be made upon booking and charged to the cardholder s Principal MasterCard World and Visa Infinite credit card issued in Singapore and Indonesia. Maybank MasterCard World credit card, American Express Centurion credit card, American Express Platinum charge card, Maybank 2 Platinum credit card, Visa Infinite Malaysia credit card cardholders in Malaysia, MasterCard World and Visa Infinite credit card cardholders in Singapore and Indonesia will need to provide their card details upon confirmation of booking. MBB will take down the booking requests, insert cardholder/s details, tick on the box to obtain consent and approval of the cardmembers listed in the booking form to provide the cardnumber and expiry date in order to make the golf booking. MBB is only required to tick the box where applicable when cardholder is playing with other cardholders. Global Concierge will then charge the green fees and other compulsory golfing fees (e.g. buggy fee, caddy fee, insurance, locker fee, tax) onto your card. What will be reflected on my credit card statement for the golf booking? Your statement will reflect OAAG (S) Pte Ltd. GOLF TERMINOLOGY What is a Flight? Definition: A flight in a golf context pertains to a group of people playing together. There is a maximum of 4 golfers in a flight. Usually on weekdays, golf clubs stipulates that there must be a minimum of 3 balls per flight (3 golfers in a group) and a minimum of 4 balls per flight (4 golfers in a group) on weekends. Flights that have less than the stipulated number of golfers may be pair up with other golfers at the golf club. What is a Green Fee? Definition: The amount of money a club charges to play the golf course. The green fee often varies depending on time of week, time of day and status of the golfer. Weekend rounds usually cost more than weekday rounds. A club member usually will not need to pay green fees. A Club Member s guest will pay less than green fee while a visitor pays a full walk-in green fee.

6 What is a Buggy or Cart? Definition: Powered cart used to transport golfer and equipment around the course. What is a Caddie? Definition: A person whose job it is to carry the golf bag of a player. Caddies for pro players assist with club selection and strategy. Players other than pros are most likely to encounter caddies at private courses or upscale resort courses. What is a Handicap? Definition: "Handicap" refers to a numerical representation of a golfer's playing ability. The lower a golfer's handicap, the better the golfer is. A 2 handicapper is better than a 10 handicapper who is better than a 20 handicapper. Handicaps are meant to represent a golfer's potential rather than simply be an average of a golfer's scores. For example, someone who averages 20-over-par likely won't have a handicap of 20; his handicap will likely be several strokes lower than 20 because of the way handicaps are calculated. What is a Tee Time? Definition: The pre-arranged, specified time for you or your group to begin your round. Tee times are allotted throughout the day, usually in increments of 7-15 minutes depending on the expected pace of play. For instance, a 10 a.m. tee time might be followed by a 10:08 tee time, then a 10:16 tee time, and so on. Most courses accept tee times, and many require them, although there are some that do not take them. Tee times can usually be made at least several days in advance, but it's always a good idea to call and ask for the tee time policy well in advance when playing a new course. What is Insurance? Definition: Insurance at a club will vary from country to country. Insurance will usually cover items such as, if a golfer tees off and the ball injures another golfer, or through dangerous play, the golfer swings and hits another golfer. Insurance will also cover hole-in-one.

COMPLIMENTARY GREEN FEES TERMS AND CONDITIONS. 1. Programme Mechanics. Offer is valid from 1 st October 2013 to 31 st December 2014

COMPLIMENTARY GREEN FEES TERMS AND CONDITIONS 1. Programme Mechanics Offer is valid from 1 st October 2013 to 31 st December 2014 Applicable to Principal Maybank MasterCard World credit card, The Platinum