Terms and conditions governing
the GXS Bank Refer a Friend Feb-June 2025 Campaign (“Promotion”)

This Promotion is available from 17 February 2025 to 30 June 2025 (both dates inclusive) or such date(s) as may be determined and notified by GXS Bank Pte. Ltd. (“GXS”or “Bank”) in its sole and absolute discretion (“Promotion Period”).

1. Subject to Clause 2(b) below, you are eligible to participate in this Promotion if:
   i. you have received an invite from the Bank via approved bank channels to participate in the Promotion;
   ii. you hold or maintain any GXS Bank Product account that is active and in good standing during the Promotion Period;
   iii. you successfully refer any person (“Referee”) to the Bank to successfully sign up for any of the following GXS Bank products during the Promotion Period: (1) GXS Savings Account; (2) GXS FlexiCard; and/or (3) GXS FlexiLoan (each a “GXS Bank Product”and together “GXS Bank Products”).
   
   Such existing GXS Bank Product account holder shall be referred to as the “Introducer”.
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2. You will not be eligible for this Promotion if:
   i. at any time, you’ve breached any of the Terms or the terms and conditions governing any GXS Bank Product or your GXS Bank Product account has been blocked, terminated, suspended or is under investigation;
   ii. the requirements in Clause 2(a) above have not been met; or
   iii. the Referee had closed his or her GXS Bank Product account in the last 6 months from the date the referral code is being used and reapplied for such GXS Bank Product account during the Promotion Period.
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3. Without prejudice to this Clause 2, a referral will be considered successful if:
   i. the eligibility requirements in Clause 2(a) have been met;
   ii. the Bank receives the Referee’s GXS Bank Product application via the Introducer’s referral code (which is valid and existing) during the Promotion Period which has been sent to the Introducer through official GXS communication channels;
   iii. it is made in compliance with the Personal Data Protection Act 2012.
   
   ("Successful Referral")
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4. For the avoidance of doubt, a Successful Referral is for each Referee who has applied for a GXS Bank Product. If such Referee successfully applied for all GXS Bank Products referred to in Clause 2(a), it would still be considered as one (1) Successful Referral.
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5. The date of referral shall be determined as the date on which the Bank receives the Referee’s GXS Bank Product application via the Introducer’s referral code.
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6. 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 Promotion 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 any term or condition governing any of the GXS Bank Products and/or otherwise due to any misrepresentation, misconduct, fraud and/or unfair or illegal conduct exhibited by any person at any time.

1. Under this Promotion, an Introducer is eligible to receive a cashback reward and, where applicable, a Referee is eligible to receive a cashback reward (“Reward”), for each Successful Referral, in the following manner:
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1. By referring any Referee to the Bank or sending any Bank-issued referral code to any Referee, the Introducer:
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   i. consents to the Bank disclosing information on the Introducer and the fact that such Introducer holds a GXS Bank Product account to the Referee for purposes of or in connection with this Promotion;
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   ii. 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 Promotion and that certain information relating to the Referee’s GXS BankProduct application may be disclosed to the Introducer by virtue of whether or not such Introducer receives a Reward; and
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   iii. 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 thisPromotion.
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2. By using any Bank-issued referral code to apply for a GXS Bank Product account under this Promotion, the Referee agrees, confirms and consents:
   
   i. 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 Introducer; and
   
   ii. to the Bank or any Bank representative contacting them via phone, message and/or electronic mail.