Complimentary green fees for 1 full flight for Cardmember and 3 guests. Tee-off at 10 renowned regional golf courses.

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1 Complimentary green fees for 1 full flight for Cardmember and 3 guests. Tee-off at 10 renowned regional golf courses. Malaysia Saujana Golf & Country Club Shah Alam, Malaysia Glenmarie Golf & Country Club Shah Alam, Malaysia Kota Permai Golf & Country Club Shah Alam, Malaysia The Legends Golf & Country Club Johor, Malaysia One premium golf club in Johor Thailand Muang Kaew Golf Course Bangkok, Thailand Indonesia Rainbow Hills Golf Club Bogor, Indonesia Bintan Lagoon Golf & Country Club Bintan, Indonesia Vietnam Long Thanh Golf Club Ho Chi Minh, Vietnam China Shenzhen Jiulong Hills Golf Club Shenzhen, China Note: The above golfing privileges are exclusive for Principal Cardmembers and limited to one flight per Cardmember. Weekday (Monday to Friday) bookings must be made at least 4 working days in advance. For booking and enquiries, kindly contact our Golf Concierge Partner at

2 AmBank / AmIslamic Bank Visa Signature Golf Privileges Terms & Conditions (1) Conditions of Play AmBank / AmIslamic Bank Golf Privileges ( This Program ) is valid until 19 January 2014 ( Program Period ) This Program is applicable to AmBank & AmIslamic Bank ( The Bank ) Visa Signature Principal Cardmembers whose Card account is in good standing and regularised (not in default or not cancelled for any reason). This program is not transferable. Visa Signature Principal Cardmembers must have active monthly Card usage to be eligible for the complimentary flights. Maximum 1 complimentary flight per Cardmember per month. Visa Signature Principal Cardmembers enjoy complimentary flights where up to 4 golfers (Principal Cardmember and 3 guests) in a flight enjoy free green fees at 5 golf clubs in Malaysia & 5 golf clubs in Asia on weekdays only. There is a minimum of 2 golfers per flight (subject to pairing and individual club s minimum golfer requirement per flight for booking). Bookings are subject to availability. (2) Reservation Cardmembers shall make all enquiries and bookings through Global Concierge 24Hr PGA Assist. Cardmembers will not be granted access rights to the stipulated clubs without booking through Global Concierge 24Hr PGA Assist. Weekday (Monday to Friday) booking must be made at least 4 working days in advance. Weekend (Saturday & Sunday) and public holiday booking must be made at least 6 working days in advance. Acceptance of all bookings/changes to tee times will be at the discretion of The Bank and golf clubs and subject to availability. Bookings cannot be made more than one month in advance from the date of play & Cardmembers cannot place the next booking until the current golf game has been played. A member of the participating golf clubs cannot make a booking directly at the golf club and transfer the confirmed tee-time over to the Cardmember. Global Concierge 24Hr PGA Assist will not process booking on behalf of a club member who is not a Cardmember. A club member will have to contact his/her golf club to be paired up with the Cardmember(s). (3) Fees and Charges Golf privileges are subsidized by the Bank and not a direct offer from golf clubs. Cardmembers and guests have to pay for buggy, caddie, turfmate, locker fee, insurance and any other charges at normal published rates & any other fees, where applicable, at the club. There will be an administration fee of RM50 for any changes made to the confirmed golf booking such as amendments to tee-times, change of date of play and change of golfer s names on confirmed bookings. Changes can only be made based on availability. (4) Payment All payments for the usage of golfing facilities by the Cardmember and guest(s) must be made upon booking (tee-time confirmation) and charged to the Principal Cardmember s Visa Signature card account. (5) Cancellation/Charges Cancellation and amendment fees shall be applied for any cancellation and amendment to bookings and will be charged directly to Principal Cardmember s Visa Signature card account. There will be no rain check (i.e. no refund or rescheduling of tee-time in the event of game cancellation due to bad weather).

3 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 Cardmembers and their guest(s): (a) 50% of the total chargeable amount* will be charged for cancellations made 2 working days before tee-off date (b) 100% of the total chargeable amount* will be charged for cancellations made 1 working day before tee-off date, no-show or late arrivals** CANCELLATION POLICY WEEKENDS / PUBLIC HOLIDAYS Any changes and cancellation for weekend or public holiday bookings must be made 4 working days in advance prior to tee-off date. The following cancellation charges will apply to the Cardmembers and their guest(s): (a) 50% of the total chargeable amount* will be charged for cancellations made 3 working days before tee-off date (b) 75% of the total chargeable amount* will be charged for cancellations made 2 working days before tee-off date (c) 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, locker and any other charges at normal published rates at the golf clubs where applicable. Complimentary golf privileges for Cardmembers do not apply during cancellation. ** Late arrival means when the golfer arrives late at the golf club and the tee-time has passed. It is the golf club's discretion to allow the golfer to play at a later tee-time subject to availability. However, if the golf club does not allow or there is no availability, the golfer is subject to full cancellation charges (the normal walk-in green fee rate without complimentary green fee benefit). (6) Miscellaneous All privileges listed in this Program may be subjected to prevailing government taxes and service charges, where applicable. The complimentary green fee privilege is not exchangeable for cash, credit or other goods and services The Bank & Global Concierge do not underwrite or warrant the services performed by the golf courses and shall not have any liability for any deficiency, delay or imperfection in such services or for any loss or damage that may be suffered, or for any personal injury or death to a customer directly or indirectly by use or non-use of the services provided by the golf club. Cardmembers and/or their guest(s) must have at least a valid handicap. Cardmembers and/or their guest(s) cannot use the golf privilege with any other promotions or in participation of any golf tournaments or large group social/networking golf game. The Program offered to Cardmembers is not to be regarded as a regular golf club membership This Program provides for a valid golf course access only. Cardmembers and/or their guests will not have access to the other facilities at the golf club Program benefits may not be utilised in conjunction with any events, social games or tournaments or other promotions. Respective golf courses terms & conditions apply. Cardmembers who take-up the offers and privileges under the program will be deemed to have read, understood and agreed to be bound by these Terms and Conditions. The Bank reserves the right at its absolute discretion to terminate/suspend the program or delete/add to any of these Terms and Conditions from time to time with notice. These Terms and Conditions may

4 be modified, added, deleted or varied by the Bank by way of posting on AmBank Group s website ambankgroup.com (the Website ), or in any other manner deemed suitable by the Bank. Cardmembers are deemed to have accessed the Website and to have knowledge of and agreed to any changes or variations to these Terms and Conditions. These Terms and Conditions shall prevail over any provisions or representations contained in any other promotional materials advertising the Privileges. The Bank's decision on all matters relating to the Privileges will be final and binding on all the Cardmembers. Keistimewaan Golf Kad AmBank / AmIslamic Bank Visa Signature Terma & Syarat (1) Syarat-Syarat Permainan Keistimewaan Golf AmBank ( Program ini ) adalah sah sehingga 19 Januari 2014 ( Tempoh Program ) Program ini sah untuk Ahli Kad Utama AmBank dan AmIslamic Bank ( Bank ) Visa Signature dengan rekod akaun yang baik dan berbayar (bukan dalam keadaan tidak berbayar atau dibatalkan atas apa jua sebab). Program ini tidak boleh dipindah milik. Ahli Kad Utama Visa Signature harus mempunyai penggunaan Kad bulanan yang aktif. Maksimum satu kumpulan untuk setiap Ahli Kad dalam setiap bulan calendar. Ahli Kad Utama Visa Signature boleh bermain dalam setiap kumpulan sehingga 4 pemain golf (Ahli Kad Utama dan 3 tetamu) tanpa dikenakan yuran padang di 5 kelab golf di Malaysia & 5 kelab golf di Asia untuk hari biasa sahaja. Sekurang-kurangnya 2 pemain golf diperlukan dalam setiap kumpulan (tertakluk kepada gandingan dan syarat jumlah pemain minimum kelab untuk setiap tempahan). Tempahan tertakluk kepada kekosongan slot bermain. (2) Tempahan Ahli Kad hendaklah membuat semua pertanyaan dan tempahan menerusi kemudahan Global Concierge 24Hr PGA Assist. Ahli Kad tidak berhak membuat tempahan menerusi kelab yang ditetapkan melainkan tempahan dibuat menerusi Global Concierge 24Hr PGA Assist. Untuk hari biasa (Isnin hingga Jumaat) tempahan mesti dibuat sekurang-kurangnya 4 hari lebih awal. Untuk hujung minggu (Sabtu & Ahad), tempahan mesti dibuat sekurang-kurangnya 6 hari lebih awal. Penerimaan semua tempahan/perubahan waktu permainan adalah atas budi bicara Bank dan kelab golf dan bergantung pada kekosongan slot bermain. Tempahan tidak boleh dibuat lebih daripada sebulan lebih awal dari tarikh permainan & Ahli Kad tidak boleh membuat tempahan seterusnya sehingga permainan golf semasa telah dimainkan. Ahli kelab golf yang turut serta tidak boleh membuat tempahan terus di kelab golf dan memberikan waktu permainan yang disahkan kepada Ahli Kad. Global Concierge 24Hr PGA Assist tidak akan memproses tempahan bagi pihak ahli kelab. Ahli kelab perlu menghubungi kelab golf masing-masing untuk digandingkan dengan Ahli Kad. (3) Yuran dan Caj Yuran padang percuma bagi Ahli Kad Utama akan ditanggung oleh Bank. Ahli Kad dan tetamu perlu membayar untuk buggy, caddy, turfmate, yuran laci berkunci, insurans dan caj lain-lain pada kadar tercetak biasa & sebarang yuran lain, jika berkenaan, di kelab tersebut. Yuran pentadbiran RM50 akan dikenakan bagi sebarang perubahan yang dibuat bagi tempahan golf yang disahkan seperti perubahan waktu permainan, perubahan tarikh permainan dan perubahan nama pemain golf bagi tempahan yang telah disahkan. Perubahan hanya boleh dibuat bergantung kepada kekosongan slot bermain.

5 (4) Bayaran Semua bayaran bagi penggunaan kemudahan golf oleh Ahli Kad dan tetamu mesti dibuat semasa tempahan (pengesahan waktu permainan) dan dicajkan kepada Akaun Kad Ahli Kad Visa Signature. (5) Pembatalan/Caj Yuran pembatalan dan pindaan akan dikenakan bagi sebarang pembatalan dan pindaan tempahan dan akan dicaj terus kepada Akaun Kad Ahli Kad Tiada pemulangan atau penggantian dibenarkan jika ada pembatalan saat-saat terakhir DASAR PEMBATALAN HARI BIASA Sebarang perubahan dan pembatalan tempahan hari biasa mesti dibuat 3 hari kerja lebih awal sebelum tarikh permainan. Caj pembatalan berikut akan dikenakan ke atas Ahli Kad dan tetamu mereka: (a) 50% daripada jumlah penuh yang dicaj* akan dikenakan bagi pembatalan yang dibuat 2 hari kerja (b) 100% daripada jumlah penuh yang dicaj akan dikenakan bagi pembatalan yang dibuat 1 hari kerja sebelum tarikh permainan, atau bagi pemain yang tidak hadir atau datang lewat**. DASAR PEMBATALAN HUJUNG MINGGU / CUTI UMUM Sebarang perubahan dan pembatalan tempahan hujung minggu atau cuti umum mesti dibuat 4 hari kerja Caj pembatalan berikut akan dikenakan ke atas Ahli Kad dan tetamu mereka: (a) 50% daripada jumlah penuh yang dicaj* akan dikenakan bagi pembatalan yang dibuat 3 hari bekerja (b) 75% daripada jumlah penuh yang dicaj* akan dikenakan bagi pembatalan yang dibuat 2 hari bekerja (c) 100% daripada jumlah penuh yang dicaj* akan dikenakan bagi pembatalan yang dibuat 1 hari bekerja sebelum tarikh permainan, atau bagi pemain yang tidak hadir atau datang lewat. * jumlah penuh yang dicaj termasuk yuran padang, yuran buggy, yuran caddy, yuran turfmate, laci Berkunci, insurans dan caj lain-lain pada kadar tersiar biasa di kelab golf, di mana berkenaan. Keistimewaan golf percuma bagi Ahli Kad tidak boleh diguna pakai untuk pembatalan. ** Datang lewat bermaksud apabila tiba lewat di kelab golf dan telah melepasi waktu permainan. lanya berdasarkan budi bicara untuk membenarkan pemain untuk bermain pada waktu permainan yang seterusnya sekiranya ada kekosongan. Walau bagaimanapun, sekiranya kelab golf tidak membenarkan atau tiada kekosongan waktu permainan, pemain adalah tertakluk kepada caj penuh pembatalan (kadar masuk normal bagi yuran padang tanpa keistimewaan yuran percuma) (6) Perkara Lain Semua keistimewaan tersenarai dalam program ini tertakluk kepada cukai kerajaan dan caj servis sedia ada, di mana berkenaan. Keistimewaan yuran padang percuma tidak boleh ditukar secara tunai,kredit atau mana-mana barang dan servis Bank & Global Concierge tidak menaja jamin atau menjamin perkhidmatan yang disediakan oleh padang golf dan tidak menanggung sebarang liabiliti bagi sebarang kekurangan, kelewatan atau ketidaksempurnaan perkhidmatan tersebut atau bagi sebarang kerugian atau kerosakan yang mungkin dialami, atau bagi kecederaan peribadi atau kematian pelanggan yang disebabkan secara langsung atau tidak langsung daripada menggunakan atau tidak menggunakan perkhidmatan yang disediakan oleh padang golf.

6 Ahli Kad dan/atau tetamu mereka perlu mempunyai handikap yang sah. Ahli Kad dan/atau tetamu mereka tidak boleh menggunakan keistimewaan golf bersama sebarang promosi lain atau untuk menyertai mana-mana pertandingan golf atau permainan golf sosial/berkumpulan yang besar. Program yang ditawarkan kepada Ahli Kad tidak dianggap sebagai keahlian kelab golf biasa. Program ini menyediakan kemudahan padang golf sahaja. Ahli Kad dan/atau tetamu mereka tidak boleh menggunakan kemudahan lain di kelab golf tersebut. Manfaat Program tidak boleh digunakan sempena sebarang acara, permainan atau pertandingan social atau promosi lain. Terma dan syarat padang golf yang berkenaan berkuat kuasa. Ahli Kad yang menerima tawaran and keistimewaan ini di anggap telah membaca, memahami dan bersetuju untuk terikat kepada Terma dan Syarat ini. Bank berhak atas budi bicara mutlaknya untuk menamatkan/menggantung program atau menggugurkan/menambah mana-mana Terma dan Syarat ini dari masa ke masa dengan memberikan notis terlebih dahulu. Terma dan Syarat ini boleh dipinda, ditambah, digugurkan atau diubah oleh Bank dengan memaparkannya di laman web Kumpulan AmBank ambankgroup.com ( Laman Web ), atau dengan apa jua cara yang dianggap sesuai oleh Bank. Ahli Kad dianggap telah mengunjungi Laman Web dan mengetahui dan bersetuju dengan sebarang perubahan atau pindaan kepada Terma dan Syarat ini. Terma dan Syarat ini hendaklah menggantikan sebarang peruntukan dan pernyataan lain yang terkandung di dalam mana-mana bahan promosi lain yang mengiklankan Keistimewaan ini. Keputusan Bank dalam segala hal berkaitan Keistimewaan adalah muktamad dan mengikat semua Ahli Kad Bank.

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