2.1 The Promotion commences on March 15, 2012 and ends on June 15, Refer to the table below for the draw dates and corresponding entry period.

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1 TERMS AND CONDITIONS FOR VISA LONDON 2012 OLYMPIC GAMES USAGE PROMOTION By participating in the London 2012 Olympic Games Usage Promotion ( Promotion ), the participants hereby expressly agree to be bound by these Terms and Conditions and the decisions of Visa Worldwide Pte. Limited ( Visa, Promoter ). 1 Eligibility 1.1 The Promotion is open to all principal and supplementary holders of Visa Debit, Credit, Prepaid and Electron cards issued in Philippines and abroad ( Cards ) ( Cardholders ) with no minimum spending required. 1.2 Only Visa transactions done in Ayala Malls are eligible for the Promotion. 1.3 Cardholders whose accounts are suspended or terminated are not eligible to join. 1.4 The following transactions are also NOT eligible: a) cash advances; b) ATM withdrawals; c) annual fees; d) interest charges; e) late charges; f) balance transfer 2 The Promotion Mechanics and Conditions 2.1 The Promotion commences on March 15, 2012 and ends on June 15, Refer to the table below for the draw dates and corresponding entry period. Draw Entry Period Draw date Entry Period Draw Date Mar. 15 to Apr. 15, 2012 April 30, 2012 Apr. 16 to May 15, 2012 May 30, 2012 May 16 to Jun. 15, 2012 June 30, To qualify for this Promotion, eligible Cardholders must satisfy the following requirements: a) Cardholders must spend using any of their Cards at Ayala Mall and/or its merchants within the Promotion Period. b) No minimum spend will be required but every P500 purchase will entitle the Cardholder to 1 raffle ticket (i.e. P500 and below spend=1 raffle ticket, P1,000 spend=2 raffle tickets, P1,500=3 raffle tickets, and so on). c) Raffle tickets may be claimed from the Visa Promo Booth in key designated areas in the mall upon presentation of a valid Visa transaction receipt in an Ayala Mall merchant or outlet. Transaction period should be from March 15 to June 15, 2012 only. d) Entry is only open to Cardholders aged 18 years or older with a valid passport and who are able to travel to and remain in London, United Kingdom for the period 24 th July th August 2012 (inclusive) (Visa cardholders). Promoter will provide necessary paperwork for UK Visitor Visa application but does not guarantee Visa approval for all winners. In case a winner is not eligible or is denied for a UK Visitor Visa, the Olympic package prize will be awarded to the alternate winner. Winner will likewise shoulder the cost of UK Visitor Visa processing and application. e) Visa cardholders aged under 18 years must obtain the consent of their parent or legal guardian to enter the promotion and provide personal information about themselves. All entries of Visa cardholders who are under the age of 18 years and enter the promotion without disclosing (or attempting to conceal) their age (as and where required) and/or do not provide the required parental or guardian consent (as and where required) will be deemed invalid. These Conditions of Entry will bind the Visa cardholders and any parent or legal guardian who gives their consent (for Visa cardholders aged under 18 years). If any Prize winner is aged under 18 years, the Prize winner must be accompanied for the duration of the Prize by the parent or legal guardian who consented to the winner entering the promotion. T&C Visa All Cards 2012 London Olympic Games Usage Promotion Page 1

2 2.3 Information provided by Cardholders in submitting their entries for the Promotion will be used by Visa and its agency for administering the Promotion. Visa and its agency may pass such information to its authorized service providers for management of the Promotion, data processing, prize redemption management and analysis and other purposes related to the Promotion. After the Promotion is completed, all data in hard and soft copy will be securely disposed of at all its data sources. By accepting these Terms and Conditions and participating in the Promotion, Cardholders have consented and are deemed to have consented to such use. 2.4 By participating in this Promotion, Cardholders agree to take part in any promotion or publicity exercise as may be conducted by Visa and/or any of its representatives, its permitted assigns, and the participating Cardholders hereby irrevocably and unconditionally grant Visa all consents and waivers necessary for Visa to record and use the Cardholders performance, appearance, likeness, name, voice and/or particulars (as the case may be) in any manner as Visa shall in its sole discretion deem fit. The participating Cardholders acknowledge that Visa shall be at liberty to publish and otherwise use any recordings made by Visa, without limitation, telephone recordings, audio recordings, visual recordings and photographs (if any), for the Promotion and publicity of this Promotion (whether now or in the future). Where permissible, each participating Cardholder expressly waives all rights, which the participating Cardholder may acquire or have under the law (and any subsequent enactment or amendments thereto) in relation to such recordings. 2.5 All entries remain the sole property of Visa. The participating Cardholders hereby give their consent to and authorize Visa to disclose their particulars to the third party service providers engaged by Visa for purposes of the Promotion. Visa warrants that the disclosure of such particulars to any third party service providers shall be limited to the information as submitted by the participating Cardholders and shall be used only in relation to and for purposes of the Promotion. All participating Cardholders information that are submitted shall be held within Visa s secure database of entries. Data from Visa s agency s system will be deleted in the presence of an external auditor within fifteen (15) days after the end of the Promotion. 3 Determination of the Prize Winners 3.1 The selection of potential winners will take place at the 5 th flr. Glorietta 4 Office on the following draw dates: - Manual Raffle Draw Draw Draw Date Draw 1 April 30, 2012 (15:00:00) Draw 2 May 30, 3012 (15:00:00) Draw 3 June 30, 3012 (15:00:00) 3.2 Drawn winners will have their entries verified through their respective banks to confirm that they are based on valid transactions within 48hours. Their raffle entry details should match details from their bank such as date of transaction, transaction amount, where the transaction is made and correct name of Cardholder to be considered as a bona fide transaction. Should the Cardholder be disqualified, three other entries will be drawn as buffers. 3.3 Once validated, the winners will be informed on how to claim their prizes and will be sent a registered mail of congratulations afterwards. a) Prize will be claimed at the Ayala Mall where purchase was made b) Winners should present 2 valid IDs along with the original transaction slip, the winning Card, their TIN number and the letter of congratulations from Visa. c) The period during which the prizes can be claimed is sixty (60) days from the receipt of notice via registered mail. Prizes not claimed within this 60 -day period will be forfeited upon approval from DTI. d) Winners must fill up the necessary forms and claim required by Visa to certify that prize awarded has been received. 3.4 If a winner failed to claim the prize within 60 days after the winner has received the written T&C Visa All Cards 2012 London Olympic Games Usage Promotion Page 2

3 notification, the prize will be forfeited in favor of Visa upon approval from DTI. 4 Prize 4.1 The prizes to be given away under this Promotion with respect to each draw date are as follows: (value of the prizes can be seen in Appendix 1) Draw Date Prize April 30, 2012 May 30, 2012 Jun 30, 2012 Wave 1 - Opening Ceremony Package 5 day / 4 nights - July 25-29th, Wave 2 - Package 4 day / 3 nights July 29 - Aug 1st, Wave 3 - Closing Ceremony Package 5 day / 4 night Aug 10-14th, Omega His & Her Watches Panasonic 42" Plasma TV Samsung Galaxy Tab P Samsung i8150 Phone Acer NBK ASI A0722-C TOTAL There will be 1 Grand Prize winner and 4 consolation prize winners per month. Details of prize allotments are as follows: Prizes are transferable but not convertible to cash. 4.2 Grand Prize Winner: The top monthly winner per month will receive a London Olympics Package for 2 inclusive of the following: a. two (2) round trip economy airfares to London, United Kingdom from Manila via Singapore Airlines (inclusive of airfare, related taxes and charges); b. airport meet-and-greet service on arrival; c. four (4) nights four (4) star accommodation at the Hilton London Metropole Hotel in London, United Kingdom (twin share) (or similar) (Hotel), including breakfast daily; d. return transfers to and from the destination airport and the Hotel via train and motor coach; e. one (1) Visa Olympic Prepaid Card for each of the winner and travel companion, valued at pounds each; f. up to two (2) four (4) tickets* per person to preselected 2012 Olympic Games events, including event transportation via London public transport only. The precise quantity and type of Olympic events for attendance by the winner and travel companion will be determined by the Promoter prior to the departure of the winner and travel companion from Manila., one (1) selfguided Hop-on/Hop-off Bus Tour of London and Attraction pass for the winner and travel companion; g. Visa Olympic Games themed merchandise; and h. participation in an exclusive Olympic Games ceremony viewing at the Hotel, including food and beverages. April and June winners will also receive two (2) tickets to the Opening Ceremonies and Closing ceremonies, respectively, valued at USD1,500. On top of the London Olympic package, the Grand Prize winner will also receive the following: a. One (1) set of His and Hers Omega watches b. One (1) unit Panasonic 42 Plasma TV c. One (1) unit Samsung Galaxy Tab P1000 T&C Visa All Cards 2012 London Olympic Games Usage Promotion Page 3

4 d. One (1) unit Samsung i8150 Phone e. One (1) unit Acer A0722-C60 *Tickets to the 2012 Summer Games, whether awarded as a prize and/or are included as part of a promotion, must be accepted as awarded and are subject to all of the applicable terms and conditions prescribed to such tickets from time to time by the London Organizing Committee for the 2012 Olympic Summer Games (LOCOG). Such terms and conditions are contained in the Ticket License Agreement (which can be reviewed at on the back of the physical ticket (once issued) and include prohibitions against any use of the ticket in connection with any commercial promotion or contest (without the consent of LOCOG) and the unauthorized sale of the ticket in excess of face value of the ticket. By accepting tickets as a prize and/or as part of a promotion, the holder is deemed to have accepted all of the applicable terms and conditions. 4.3 Twelve (12) Consolation monthly prize winners will receive the following: 1) 3 winners of One (1) unit Panasonic 42 Plasma TV 2) 3 winners of One (1) unit Samsung Galaxy Tab P1000 3) 3 winners of One (1) unit Samsung i8150 Phone 4) 3 winners of One (1) unit Acer A0722-C60 There will be a total of thirteen (13) winners per month (1 Grand prize winner and 12 consolation prize winners) and a total of thirty-nine (39) winners for the whole promo duration. 4.4 A Cardholder may win only one prize for this Promotion. If drawn twice, Cardholder get the prize of higher value. 4.5 Non-winning entries will still be eligible for the succeeding draws until the end of the Promotion Period. 4.6 Notification of winners will be done by Visa via their agency, Bates 141. Winners will be notified through registered mail, phone, announced on radio and through print releases and published on Winners will also be contacted by Bates141 for confirmation and instructions of how to claim their prizes. 4.7 Prizes must be claimed within 60 calendar days after the receipt of registered mail otherwise, they shall be forfeited and retained by Visa with prior DTI approval. 4.8 Any applicable prize tax will be paid by Visa Worldwide Pte. Limited. 4.9 Visa will not bear any shipping cost for the prizes. Transportation or other incidental costs incurred by the winner in traveling to the Bates141 Office and/or submitting proof of identification will likewise not be shouldered by the Promoter The Cardholder s Card account must be existing, valid and in good credit standing at the draw date to be eligible for the Promotion and prize Visa reserves the right to verify if the drawn entries are from eligible Cardholders A principal Card account is treated separately from the supplementary Card account. Entries for the principal account will be considered separate from entries of the supplementary account and vice versa. 5 Miscellaneous Employees of Visa, TBWA\SMP, OMD, Bates141, Proximity, their suppliers and PR agencies including their relatives up to second degree of consanguinity or affinity are not eligible to participate in the Promotion. T&C Visa All Cards 2012 London Olympic Games Usage Promotion Page 4

5 Appendix 1: Prize Value Item Mar. 15- Apr. 15 Apr. 16- May 15 May 16-Jun. 15 Total Value Total Value (PHP) USD Wave 1 - Opening Ceremony Package 5 day / 4 nights - July 25-29th, , ,170 11,500 #1 Wave 2 - Package 4 day / 3 nights July 29 - Aug 1st, , ,800 10,000 Wave 6 - Closing Ceremony Package 5 day / 4 night Aug 10-14th, , ,170 11,500 #2 Omega His & Her Watches ,000 1,020,000 23,405 #3 Panasonic 42" Plasma TV , ,200 10,629 #4 Samsung Galaxy Tab P , ,400 5,700 #5 Samsung i8150 Phone , ,280 4,733 #6 Acer A0722-C , ,260 5,743 TOTAL ,626,280 83,210 *each Olympic Package is for 2 pax T&C Visa All Cards 2012 London Olympic Games Usage Promotion Page 5