Terms and conditions governing
GXS FlexiCard Upsized JB Weekends  Campaign ("Campaign")

1. Campaign Period: The Campaign is available from 31 October 2025 to 31 December 2025
   (both dates inclusive) or any such date(s) as may be determined and notified by the Bank in its
   sole discretion (“Campaign Period”).
   
   
2. Eligibility:
   a. The Campaign is available to you if you are a new or existing GXS FlexiCard customer
   during the Campaign Period, unless otherwise stated (“Eligible Customer”).
   
   b. You will not be eligible to participate in this Campaign for any new GXS FlexiCard Account you successfully open, if you held and closed a GXS FlexiCard Account previously.
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3. Campaign and Sub-campaigns:
   a. This GXS FlexiCard Upsized JB Weekends Campaign comprises the following four
   (4) sub-campaigns:
      i. Free Grab Ride Campaign;
      ii. Grab Weekend Spend Campaign;
      iii. Grab Dine Out Deals Campaign; and
      iv. Refer for Rewards Campaign.
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   b. Eligible Customers may participate in each sub-campaign and receive rewards
   thereunder by fulfilling the respective requirements as set out in these Terms.
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   c. The Free Grab Ride Campaign and Grab Dine Out Deals Campaign may only be
   enjoyed in Johor Bahru City in the manner determined by Grab.
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4. Definitions:
   a. “GXS FlexiCard” means the GXS FlexiCard governed by the Card Account Terms, for
   which more information and terms and conditions can be found at
   https://www.gxs.com.sg/tnc.
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   b. “GXS FlexiCard Rewards” means the GXS FlexiCard Rewards governed by Section
   B of the Rewards Terms, for which more information and terms and conditions can be found at https://www.gxs.com.sg/tnc.

1. Under the Free Grab Ride Campaign, each Eligible Customer shall be entitled to receive one
   free Grab Ride by way of a Grab voucher worth RM25 (“Ride Voucher”).
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2. To redeem the Ride Voucher under this Campaign, an Eligible Customer must, during the
   Campaign Period:
   a. link your GXS FlexiCard to your Grab app as a payment method; and
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   b. use your GXS FlexiCard as a payment method for Grab Transport.
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3. Ride Voucher is issued on a first-come-first-served basis.
   

4. Ride Voucher is only valid during the Campaign Period. Limited to the first 4,000 successful
   redemptions on your Grab app throughout the Campaign Period.
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5. Limited to a maximum of one (1) Ride Voucher per Grab customer who is an Eligible Customer.
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6. Ride Voucher will be availed and fulfilled by Grab directly, subject to the applicable terms and conditions of Grab and timelines of Grab.

1. Under the Grab Weekend Spend Campaign, each Eligible Customer shall be entitled to
   receive twenty percent (20%) cashback on all Qualifying Transactions made on your virtual
   and/or physical GXS FlexiCard every Friday, Saturday and Sunday (Singapore time) (“Spend
   Period”) during the Campaign Period (“Cashback”). Cashback is capped at a maximum
   aggregate of RM30 across all Qualifying Transactions per calendar month.
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2. “Qualifying Transaction” means:
     a. with respect to Grab Rides, a Grab Transport transaction using your GXS FlexiCard as
   the payment method, where such transaction is charged in Malaysian Ringgit (MYR)
   and settled within the Campaign Period; or
      b. with respect to Jaya Grocer, a payment transaction made at a Jaya Grocer store within
   Johor Bahru City using your virtual and/or GXS FlexiCard, where such transaction is
   charged and settled within the Campaign Period,
   with no minimum spend per transaction required, that is made during the Spend Period within
   the Campaign Period.
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3. Cashback is issued on a first-come-first served basis and is while stocks last.
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4. Cashback will only be awarded for Qualifying Transaction(s) made during the Spend Period
   within the Campaign Period.
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5. Limited to a maximum of one (1) Cashback, capped at a maximum aggregate of RM30 across
   all Qualifying Transactions during the Spend Period, per Eligible Customer per calendar month
   during the Campaign Period.
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6. Cashback for each calendar month during the Campaign Period shall be credited to your GXS
   FlexiCard account by the end of the next calendar month.

1. Under the Grab Dine Out Deals Campaign, each Eligible Customer shall be entitled to receive
   upsized bill discounts of an additional twenty percent (20%) discount on all Qualifying
   Transactions made during the Campaign Period on your virtual and/or physical GXS FlexiCard
   (“Discount”). Each Discount is capped at a total of RM15 per Qualifying Transaction.
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2. To redeem the Discount under this Campaign, an Eligible Customer must:
   a. link your GXS FlexiCard to your Grab app as a payment method;
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   b. use your GXS FlexiCard as a payment method for an eligible merchant under Grab
   Dine Out Deals; and
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   c. successfully make a Qualifying Transaction.
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3. “Qualifying Transaction” means, for Grab Merchants offering Dine Out Deals, a payment
   transaction made at an Eligible Merchant under Grab Dine Out Deals using your GXS FlexiCard
   24 October 2025 Page 3 of 7 linked to your Grab app, where such transaction is charged and settled within the Campaign Period, subject to the applicable terms and conditions of Grab for Dine Out Deals.
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4. Discount is issued on a first-come-first served basis and is while stocks last.
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5. Limited to a maximum of two (2) Discounts per Grab customer who is an Eligible Customer,
   each capped at RM15 per Qualifying Transaction, throughout the Campaign Period.
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6. Discount will be fulfilled by Grab directly, subject to the applicable terms and conditions of Grab
   and timelines of Grab.

1. Under the Refer for Rewards Campaign (“Referral Campaign”), each Eligible Customer shall
   be entitled to receive cashback of S$12 per Successful Referral (as defined below) made during
   the Campaign Period (“Referral Cashback”). Such Eligible Customer who makes a Successful
   Referral shall also be referred to as an “Introducer”.
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2. “Successful Referral” means that, during the Campaign Period, an Eligible Customer
   successfully refers a new-to-GXS FlexiCard customer (“Referee”) to successfully sign up for
   their first Eligible GXS Bank Product, and the Eligible Customer and Referee fulfil the following
   requirements:
   a. the Eligible Customer’s Referee must apply for their first Eligible GXS Bank Product
   using your Bank-issued referral code notified to you through the Bank’s official
   communication channels (“Referral Code”) during the Campaign Period. The date of
   Successful Referral shall be determined as the date on which the Bank receives the
   Referee’s application for the Eligible GXS Bank Product using the Referral Code; and
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   b. your Referee must not have closed any of their Eligible GXS Bank Product account(s)
   in the last six (6) months from use of your referral code or be reapplying for such Eligible
   GXS Bank Product account(s) under this Referral Campaign;
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   c. your Referee may be an existing GXS Bank customer who maintains GXS Bank
   banking products other than the Eligible GXS Bank Product; and
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   d. comply with the Personal Data Protection Act 2012 and the Personal Data
   requirements under this Referral Campaign.
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3. “Eligible GXS Bank Product” means the GXS FlexiCard.
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4. Each Eligible Customer’s Referral Code may be used by one or more Referees, as each Eligible
   Customer is entitled to make multiple Successful Referrals.
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5. Each Referee is only allowed to use a Referral Code once. The use of such Referral Code shall
   be final and conclusive.
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6. Any subsequent successful applications for an Eligible GXS Bank Product will not be
   Successful Referrals, if:
   a. the same Referral Code from the same Eligible Customer is used by the Referee for
   other Eligible GXS Bank Product successful applications, will not be Successful
   Referrals for any Eligible Customer, i.e., if a Referee successfully applied for three (3)
   GXS Bank Products, it would still be considered as one (1) Successful Referral; or
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   b. more than one Eligible Customer refers the same Referee to the Bank during the
   Campaign Period under this Referral Campaign, the Eligible Customer whose Referral
   Code is first used by the Referee in his or her successful application will be the Introducer of such Referee and be eligible to receive the Referral Cashback, notwithstanding that a referral code may have been applied during the application process for an Eligible GXS Bank Product.
7. Referral Cashback will be aggregated for all Successful Referrals and shall be credited into the
   Introducer’s GXS FlexiCard account on or before 31 January 2026.
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8. Without prejudice to these Terms, the Bank shall retain the sole and absolute discretion to
   determine any person’s eligibility under any GXS Bank Product application or this Referral
   Campaign for any reason without liability, including (but not limited to) if the Bank determines
   at its sole discretion that an Introducer or Referee has not complied with or has breached any
   of the Terms or terms and conditions governing any GXS Bank banking product (including but
   not limited to those governing the Eligible GXS Bank Product(s)) and/or otherwise due to any
   misrepresentation, misconduct, fraud and/or unfair or illegal conduct exhibited by any person
   at any time.
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Personal Data

9. By referring any Referee to the Bank or sending any Referral Code to any Referee, the Eligible
   Customer:
   a. consents to the Bank disclosing information on the Eligible Customer and the fact that
   such Eligible Customer is a customer of the Bank who holds an account(s) for a GXS
   Bank Product(s) to the Referee for purposes of or in connection with this Referral
   Campaign;
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   b. agrees and confirms that he or she has prior to referring any Referee already informed
   and obtained the consent of the Referee to collect, disclose and use the Referee’s
   personal data for the purposes of or in connection with this Referral Campaign and that
   certain information relating to the Referee’s Eligible GXS Bank Product application may
   be disclosed to the Eligible Customer by virtue of whether or not such Eligible Customer
   receives a Referral Cashback; and
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   c. agrees and confirms that he or she has prior to referring any Referee already informed
   and obtained the consent of the Referee to the Bank’s representative contacting them
   via phone, message and/or electronic mail for the purposes of or in connection with
   this Referral Campaign.
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10. By using any Referral Code to apply for a GXS Bank Product under this Promotion, the Referee
    agrees, confirms and consents:
    a. to the Bank collecting, disclosing and using his or her personal data for the purposes
    of or in connection with this Promotion and that certain information relating to the
    Referee’s GXS Bank Product application may be disclosed to the Eligible Customer;
    and
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    b. to the Bank or any Bank representative contacting them via phone, message and/or
    electronic mail.

1. “GXS FlexiCard” means the GXS FlexiCard governed by the Card Account Terms, for which
   more information and terms and conditions can be found at https://www.gxs.com.sg/tnc.
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2. “GXS FlexiCard Rewards” means the GXS FlexiCard Rewards governed by Section B of the
   Rewards Terms, for which more information and terms and conditions can be found at
   https://www.gxs.com.sg/tnc.

1. For purposes of this Section, “Rewards” refers to any reward you will receive under this
   Campaign by fulfilling the requirements of the sub-campaign(s).
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2. Your GXS FlexiCard account must be active and in good standing with the Bank throughout
   the Campaign Period and until the point(s) of fulfilment of rewards for this Campaign. If your
   GXS FlexiCard account is closed prior to the fulfilment of reward(s) for any reason, the
   reward(s) will be forfeited.
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3. If the Bank at any time determines at its sole and absolute discretion that any of the
   requirements of the Campaign were not met or complied with (including if any Qualifying
   Transaction has been reversed or refunded at any time), the Bank reserves the right to recover
   any or all reward(s) (or its equivalent value) by charging to your GXS FlexiCard account or any
   account you maintain with us.
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4. Any Reward (or any part thereof) that has yet to be credited to you will also be deemed to be
   forfeited by you in full, notwithstanding that you have fulfilled the requirements of the Campaign,
   if at any time during the Campaign Period or prior to the fulfillment or crediting of the Reward
   (or any part thereof):
   a. you have not complied with or breached any terms and conditions under these Terms,
   the Card Account Terms, the Rewards Terms or any applicable terms and conditions
   of the Bank;
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   b. your GXS FlexiCard account is not active or in good standing with the Bank throughout
   the Campaign Period or until the point of fulfilment of the Reward (or any part thereof)
   for any reason;
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   c. your GXS FlexiCard account is closed prior to the crediting of the Reward (or any part
   thereof) for any reason; or
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   d. your GXS FlexiCard account with the Bank is closed, suspended, cancelled or
   terminated (whether voluntarily or involuntarily).
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5. If the Bank at any time determines at its sole and absolute discretion that any of the
   requirements of the Campaign were not met or complied with, the Bank reserves the right to
   recover any or all Rewards (or its equivalent value) by deduction from your GXS FlexiCard
   account or any account you maintain with us.
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6. Reward is not exchangeable for cash, credit or any other items, and cannot be transferred or
   assigned.
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7. The Bank reserves the right to replace, exchange, vary or substitute the Reward with an item(s)
   of equivalent value at its sole discretion without prior notice or reason and without liability to
   any persons.

1. For purposes of this Section H, Rewards fulfilled by Grab mean the Ride Voucher and Discount
   (“Grab Reward” or, collectively, “Grab Rewards”).
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2. Eligible Customers shall accept the Grab Rewards “as is”. The Bank is not an agent of Grab or
   any merchants. The Bank is not the supplier of Grab Rewards, voucher(s), good(s) and
   service(s) and makes no representation or warranty as to the quality, merchantability and/or fitness of purpose of Grab Rewards, voucher(s), good(s) and service(s) provided by any
   merchant or service provider.
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3. Only Eligible Customers who receive the Grab Rewards will be entitled to redeem the Grab
   Rewards.
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4. The Bank assumes no liability or responsibility for the acts or defaults of the merchants or for
   any non-delivery, non-performance or defects in the Grab Rewards, voucher(s), good(s) and/or
   service(s). Any issues or disputes relating to Grab Rewards, product quality and/or services by
   a merchant should be resolved directly with Grab, or as provided in Grab’s terms and
   conditions.
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5. The Bank reserves the right to replace, exchange, vary or substitute Grab Rewards (or any
   part(s) thereof) with an item(s) of equivalent value at its sole discretion without prior notice or
   reason and without liability to any persons.
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6. Grab Rewards shall be redeemed in accordance with the terms and conditions of Grab. By
   using the Vouchers, the Eligible Customer agrees to the terms and conditions of Grab Rewards
   and the relevant merchant providing any good(s) and/or service(s).
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7. In the event a Grab Reward(s) is lost, misplaced, damaged or stolen, your entitlement to a
   replacement voucher is subject to the sole discretion and final determination of the Bank. Where
   a replacement voucher is issued, the Bank reserves the right to deduct the full cost or retail
   value of the Grab Rewards from your GXS FlexiCard account or any account you maintain with
   us if the original Grab Rewards is utilised.
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8. Any unredeemed Grab Reward(s) within any prescribed redemption period shall be forfeited. If
   your Grab Rewards has been forfeited, you shall not be entitled to any payment of
   compensation or replacement notwithstanding any claims of not having downloaded or logged
   into the GXS App or non-receipt of the Voucher. Strictly no extension of such prescribed
   redemption period will be allowed. The redemption and use of the Grab Rewards (s) is subject
   to such other terms and conditions as may be imposed by the relevant merchant issuing the
   Grab Rewards (s). By using the Grab Rewards (s), you agree to the terms and conditions of
   the relevant merchant issuing the Grab Rewards (s).

1. Under these Terms, “Grab” means GPay Network (S) Pte. Ltd.
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2. The Bank is not an agent of Grab. The Bank holds a banking licence and is regulated by the
   Monetary Authority of Singapore. The Bank is a separate entity from the Grab Financial Group
   entities. The Bank is the provider of the GXS FlexiCard.
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3. Terms and conditions of Grab, as determined by them from time to time, shall apply. The Bank’s
   terms and conditions are separate from the terms and conditions of Grab. The Bank is not
   responsible for the terms and conditions, or any changes to the terms and conditions, of Grab.
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4. By using the Grab app, each Eligible Customer agrees to the terms and conditions of Grab.
   Grab reserves the right to amend, change or withdraw any terms and conditions without prior
   notice.
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5. The Grab app is not operated by the Bank, and the availability and provision of the Grab app is
   dependent on Grab. The Bank is not responsible for any actions of Grab, or any non-availability
   of the Grab app.
   
   
6. Any issues or disputes relating to Grab, including the fulfilment or crediting of rewards by Grab
   and/or goods and/or services redeemed), should be resolved directly with Grab. Issues relating
   to the Grab app, including maintenance and support issues, malfunctions, or claims relating to
   the Grab app, should be resolved directly with Grab.