1.1 This Contest is organised by Telekom Malaysia Berhad (hereby known as TM ) and Visa Worldwide Pte. Limited (hereby known as VISA ).

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1 VISA-TM AUTOPAY CONTEST 2014 TERMS AND CONDITIONS By entering the Visa-TM Autopay Contest (hereby known as Contest), you (hereby known as Contestant ) is deemed to have read and agreed to be bound by the following terms & conditions: 1. Eligibility 1.1 This Contest is organised by Telekom Malaysia Berhad (hereby known as TM ) and Visa Worldwide Pte. Limited (hereby known as VISA ). 1.2 This Contest is open to all Malaysian citizens, permanent residents and Malaysians, My Second Home (MM2H) aged 18 years and above, new applicants to Autopay for any TM Telephone bill, TM Streamxy bill or UniFi bill, using any Visa Credit or Visa Debit card, and is the principal or supplementary Visa Debit or Visa Credit cardholder of any banking institutions in Malaysia (hereby known as Cards ) but excluding employees of VISA, TM and its associated agencies, advertising agencies and external auditors, and their immediate family members. 1.3 The Cardholder must be current Visa Debit or Visa Credit Cardholder for the entire duration of the Contest (hereby known as Eligible Cardholders ). Participant s of Visa Debit or Visa Credit who is an accountholder with the respective banks has been suspended or terminated or who has breached any other agreements with the respective banks are not eligible for the Contest. 2 How To Enter 2.2 The Contestant must submit a complete TM Autopay application form to TM and enter the promotion by means of Short Messaging Service (SMS). The participant must register by texting to and type Visa<space>Name <space>first 4-digit of Visa card number<space> TM account number (UniFi eg: Visa MohdAli ) or (others eg: Visa MohdAli 4288 K ). Participants will bear the cost of the SMS entry (RM0.50 per SMS will be charged by their phone service providers. (hereby known as Contestant ). Contestant shall receive an acknowledgement SMS for each SMS entry received. The acknowledgement SMS, however, will not be an indication that the SMS entry is valid, as all details submitted through SMS must match those on the approved TM Autopay application form. SMS entry shall be subject to verification by TM and VISA and/or its representatives. In the event that details in the entry are invalid, the entry will be disqualified. 2.3 Each Contestant is entitled for one (1) contest entry with every new TM Autopay account using Visa Credit or Visa Debit card. Multiple entry with the same TM account number will be disqualified and the first contest entry will deem valid entry. 3. Contest Period 3.1 The Contest commences on 1 December 2013 at 12:00am and ends on 28 February 2014 at 11:59pm Malaysian time ( Contest Period ), unless notified otherwise. VISA and TM reserves the right at its absolute discretion to change the duration of the Contest Period. All SMS entries must be received within this Contest Period in order to qualify for the monthly draw based on the respective day as follows: i. Month 1 (December): 1 December 2013, 12.00am and ends on 31 December 2013, 11.59pm Malaysian time ii. Month 2 (January): 1 January 2014, 12.00am and ends on 31 January 2014, 11.59pm Malaysian time; iii. Month 3 (February): 1 February 2014, 12.00am and ends on 28 February 2014, 11.59pm Malaysian time; SMS entries received after the Contest Period will be disqualified. 4. Contest Prizes 4.1 The Grand Prize consists of travel package voucher worth RM10,

2 i. The travel package is for maximum of four (4) people which includes Grand Prize Winner. The travel should be to the same destination and at the same time based on the Grand Prize Winner s choice and within the availability of the Visa s Preferred Travel Agent packages. Should the total travel package exceed RM10,000.00, the additional costs shall be borne by the Grand Prize Winner, whilst if the travel package is less than RM10, no refunds of the variance will be provided to the Grand Prize Winner. 4.2 Nine (9) Monthly Travel Package Prizes shall be given away for for 3 months:. i. Month 1 (December): There will be three (3) Monthly Prize Winners who will win a 3-day/2-night hotel accommodation in King s Club Seaview Deluxe Balcony room for 2 people at Hard Rock Hotel Penang; ii. Month 2 (January): There will be three (3) Monthly Prize Winners who will win a 3-day/2-night hotel iii. accommodation in Premium Pool Villa for 2 people at Grand Lexis, Port Dickson; and Month 3 (February): There will be three (3) Monthly Prize Winners who will win a 3-day/2-night hotel accommodation in Damai room for 2 people at TanjungRhu Resort, Langkawi Monthly Travel Package Prizes only covers for room charges. Any additional charges shall be borne by respective monthly Winners. 4.3 Each Contestant is eligible to win only one (1) Grand Prize or one (1) Monthly Prize throughout the Contest Period. 4.4 VISA and TM will notify the Grand Prize Winner and Monthly Prize Winners via letter of confirmation and Travel Package Vouchers either via courier or collection from a designated venue. 4.5 The Grand Prize and Monthly Winners will have to make their own booking, planning and confirmation directly with Visa s Preferred Travel Agent or respective hotels. All travel plans must be confirmed by 30 May 2014 and the travel packages must be redeemed before 30 October All travel packages are subject to hotel and/or airline availability and terms. VISA and TM will not be held liable for the booking, planning and redemption of Grand Prize and Monthly Prize Winners travelling itinerary. All cost incurred and/or other expenses in relation and/or connection beyond the travel packages stipulated in the letter of confirmation such as transportation, additional accommodation requirements, spending allowance, personal costs/or any incidental costs, fees and related expenses incurred in the course of redeeming the prize, are the sole responsibility of the Grand Prize and Monthly Prize Winners, TM & VISA shall have no liability to the Contest Winners in any respect whatsoever. 4.6 TM & VISA makes no warranties or representations whatsoever with respect to the Contest Prizes and shall not be responsible nor liable for any problems and/or damage thereto or arising there from. 4.7 All Contest Prizes are subject to availability. TM & VISA reserves the right without prior notice or assigning any reason whatsoever and has sole discretion to substitute the Contest Prizes with something of equal or greater value without prior notice or compensation to the winner. Contest Prizes are non-transferable and not-for-sale. 4.8 The Contest Prizes are not exchangeable for cash, credit or rebate of any kind and do not include any accessories or items shown in any advertisements and/or contest materials which are for photography or illustration purposes only. 4.9 VISA, TM and/or its affiliates/representatives shall not be responsible or liable in any manner whatsoever for i. any deficiency or inadequacy of service or any damage suffered by any Contestantand/or Contest Winners that may arise from or be in any way connected with the act or omission of any third party. ii. any accidents, injury, loss or damage incurred by or caused to the travellers in any manner whatsoever, during the travelling period selected based on the Contest Prizes iii. any act, omission, failure or delay which is due to an act of God, riots, acts of terrorism, storms, fire, any labour or industrial dispute, any strike, and other acts which are not reasonably within the

3 control of Visa, TM or any substitution in any form whatsoever in lieu of the declared Prize in the Contest VISA further reserves the full right to disqualify any winner who has committed or is any fraudulent or wrongful acts in relation to use of their Visa card and/or any transaction made thereof If for any reason a potential winner is not selected as the winner, VISA and TM reserves the right to select the subsequent entry from the remaining entries First one hundred and twenty-five (125) newly registered subscibers for TM Autopay service with Visa card at TMpoint Pandan Indah, TMpoint Muzium, TMpoint Shah Alam, TMpoint Petaling Jaya, TMpoint Taipan, TMpoint Seremban, TMpoint Melaka, TMpoint Pelangi, TMpoint Alor Setar, TMpoint Jalan Burmah, TMpoint Ipoh Wisma, TMpoint Kota Bharu, TMpoint Kuala Terengganu, TMpoint Kuantan, TMpoint Sadong Jaya and TMpoint Batu Lintang will receive a complimentary Maybank Visa Prepaid Card worth RM30.00 only (hereby known as Maybank Visa Prepaid Card Starter Kit ). To activate the Maybank Visa Prepaid Card, participants are required to fill in a registration form and fax it to the fax number as stipulated in the Maybank Visa Prepaid Card Starter Kit. Whereby terms and conditions of Maybank Banking Account and Prepaid Card shall bind the participants. VISA and TM are not responsible for any enquiries in any manner or if there are any additional charges in relation to the Maybank Prepaid Card. Contestant may contact Maybank Hotline directly for further enquiry. 5. Judging 5.1 Subject to any postponements due to unforeseen circumstances, the draw will take place at TBWA/Kuala Lumpur, 15/F, Blk B, HP Towers, 12 Jalan Gelenggang, Bukit Damansara Kuala Lumpur, Malaysia for: i. Month 1 (December) Winners 27 January 2014 (Wednesday), 3pm ii. Month 2 (January) Winners 27 February 2014 (Thursday), 3pm iii. Month 3 (February) Winners 27 March 2014 (Thursday), 2pm iv. Grand Prize Winner 27 March 2014 (Thursday),5pm 5.2 Monthly Prize Winners Selection The SMS System shall receive SMS entries by sequence of date and time, whereby a number will be assigned accordingly. All valid SMS entries for each month shall be divided into 5 blocks equally in the presence of an external auditor. The Potential Monthly Winners for each month will be selected based on the last SMS entry from Block 2, 3, and 4. The next Potential Monthly Winners will be selected based on the second last SMS entry from Block 2, 3, and 4. The following Potential Monthly Winners will be selected based on the third last SMS entry from Block 2, 3, and 4. For Month 1, 2 and 3, similar mechanics will be applied to determine each month s Potential Monthly Winners. Examples of entries: 250 entries received for the 1 st Month: The Potential Monthly Winners will be selected based on the last SMS entry from Block 2 (e.g. entry number 100), Block 3 (e.g. entry number 150), and Block 4 (e.g. entry number 200). The next Potential Monthly Winners will be selected based on the second last SMS entry from Block 2 (e.g. entry number 99), Block 3 (e.g. entry number 149), and Block 4 (e.g. entry number 199). The following Potential Monthly Winners will be selected based on the third last SMS entry from Block 2 (e.g. entry number 98), Block 3 (e.g. entry number 148), and Block 4 (e.g. entry number 198). Blocks Amount of Entry Potential Winners Block 1 Entry 1-50 N/A Block 2 Entry SMS entry number 100 with back up on 99 & 98 Block 3 Entry SMS entry number 150 with back up on 149 & 148

4 Block 4 Entry SMS entry number 200 with back up on 199 & 198 Block 5 Entry N/A 5.3 Grand Prize Winner Selection The Potential Grand Prize Winner will be selected from a pool of 0, 1, 2, 3, 4, 5, 6, 7, 8 and 9 numberedballs, one at a time. The total numbered-balls to be selected is determined by the total number of valid SMS entries during the entire Contest Period. The winning numbers will determine the Potential Grand Prize Winner when referred back to the SMS entry list of the entire Contest Period. For example, if the total entries are within 9,999 entries, there will be 4 numbered-balls selected. If the first numbered ball is 2, second numbered ball is 8, third numbered ball is 6 and forth numbered ball is 2, the winning entry would be The Potential Monthly Prize Winners and Potential Grand Prize Winner agree that VISA, TM and/or its affiliates/representatives will contact them by telephone at any time of the day base on the telephone number the Potential Monthly Winners and Potential Grand Prize Winner used to send the SMS entry to. If the Potential Monthly Winners and Potential Grand Prize Winner fail to be contacted by telephone on the first attempt for reasons including, but not limited to, no reply, number not in use, no connection, etc., another attempt will be made within the next fifteen (15) minutes of the first attempt. Where the third (3) attempt is unsuccessful, VISA and TM reserves the right to select the next back up entries formed by the second last and third last entry of the block (e.g entry number 99 and entry number 98 in block 2) from the remaining selected entries in the clause The notified Potential Monthly Prize Winners and Potential Grand Prize Winner must answer 2 questions correctly (Question1: What Credit or Debit card must you use for this contest? & Question 2: What Autopay TM bill is not eligible for this contest?) and must fax the following documents to within two (2) business day of telephone notification: i. Acopy of his/her NRIC or passport; ii. A copy of his/her monthly TM bill statement; and iii. Acopy of his/her Visa Debit card or Visa Credit card. 5.6 VISA and TM s decision following verification in clause 5.5 shall be final and conclusive of the matter and no correspondence will be entertained. 5.7 The Potential Monthly Prize Winners and Potential Grand Prize Winner will be confirmed as the Monthly Prize Winners and Grand Prize Winner respectively once VISA, TM and/or its representatives have verified that the conditions set out herein which have been satisfied provided always that VISA and TM shall have the right, exercisable at its absolute discretion, to declare a potential winner as a final winner notwithstanding any non-compliance of the said terms and conditions. VISA s and TM s decision following such verification shall be final and conclusive of the matter and no correspondence will be entertained. 6. Miscellaneous 6.1 By participating in this Contest, Contestant agrees to take part in any promotion or publicity exercise as may be conducted by VISA and TM. The Winners hereby grants TM and VISA perpetual and non-exclusive license right to broadcast the names, pictures or display any matter related to any of the Winners for advertising purposes and publicity related to the Contest without any further notice to the Winners. The Winner is not entitled to claim any payment in any form, fee or compensation for the use of their images or details in relation to the above. 6.2 In consideration of VISA and TM organizing the Contest, each Contestant grants TM and VISA a worldwide, irrevocable, perpetual license to TM and VISA to feature any or all of the submitted photos in any of TM s and Visa s publications, websites and/or in any contest material connected to this Contest.

5 6.3 All entries remains as sole property of VISA and TM. The Contestants hereby give their consent and authorize Visa and TM to disclose their particulars to the third party service providers engaged by VISA and TM for purposes of the Contest. VISA and TM warrants that the disclosure of such particulars to any third party service providers shall be limited to the information as submitted by the Contestant and shall be used only in relation to and for purposes of the Contest. Any Contestant s data in connection with the Contest shall be kept confidential except to any activities mentioned thereto. TM shall take all reasonable precautions to preserve the integrity and prevent any corruption or loss, damage or destruction of Contestant s Personal Data. 6.4 VISA and TM reserves the following rights: i. to amend, delete or add to any of the terms and conditions herein; ii. to change or substitute any of the Prizes (or any portion thereof) with a prize of similar value; and/or iii. to cancel, terminate or suspend this Contest, at any time with or without notice to a participant. For the avoidance of any doubt, the exercise by VISA and TM of any of its foregoing rights shall not entitle the Contestant, the Potential Winner or the Final Winner to any prize or claim for compensation against VISA, TM, or any of the participating merchants of the Contest. 6.5 VISA and TM shall not be liable to any person participating in this Contestfor any direct, indirect, incidental, special or consequential loss or damage (including, but not limited to, loss of income, profits or goodwill) arising from or in connection with this Contest or the Prize even if VISA and TM has been advised of the possibility of such loss or damage (including, but not limited to, any loss or damage arising from any failure to receive or process any entry; any error in computing any chance; any computer, telecommunications or equipment failure or malfunction; or any notice which is misdirected or lost in the postal system). 6.6 Nothing said or implied during and throughout the Contest shall in any way waive or amend any of the terms or conditions of the existing Visa Debit or Visa Credit cardholder agreement with the bank. 6.7 VISA s and TM s decisions on all matters relating to this Contest are final and binding on all participants of this Contest, and no correspondencse will be entertained. 6.8 These terms and conditions shall be governed by the laws of Malaysia and participants of the promotion agree to submit to the exclusive jurisdiction of the courts of Malaysia.