UOBM VISA Infinite Card Privileges Terms and Conditions

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1 <EFFECTIVE 18 APRIL 2017> UOBM VISA Infinite Card Privileges Terms and Conditions 1. These terms and conditions ( Terms and Conditions ) apply to United Overseas Bank (Malaysia) Bhd s ( K) ( UOBM ) VISA Infinite Card and are to be read together with the UOB VISA/MasterCard Cardmember Agreement ( Cardmember Agreement ). 2. Unless defined differently in these Terms and Conditions, words and expressions used in these Terms and Conditions will have the same meaning as in the Cardmember Agreement. 3. The benefits and privileges set out in these Terms and Conditions ( UOBM Infinite Card Privileges ) are applicable to all principal and supplementary UOBM VISA Infinite Cardmembers whose accounts are current, valid, subsisting and in good credit standing as may be determined by UOBM at its sole and absolute discretion ( Cardmembers ). 4. UOBM reserves the right at its sole and absolute discretion at any time to decide on all matters pertaining to the award or use of any or all of the UOBM Infinite Card Privileges stated below and UOBM s decision shall be final and binding on the Cardmember. 5. The UOBM Infinite Card Privileges are as follows:- 5X UNIRinggit Rewards Points for Overseas Spend; Up to 20% discount at over 200 airport dining outlets in key Asia Pacific cities; Six (6) Complimentary Access to International Lounges for Principal UOBM Privilege Banking Visa Infinite Cardmember ( P. Cardmembers ); Four (4) Complimentary Access to more than 120 Lounges across Asia Pacific for Principal UOBM Visa Infinite Cardmembers X UNIRinggit Rewards Points for Overseas Spend Cardmember will enjoy 5X UNIRinggit Rewards points for every RM1 spent on overseas transactions including online transactions where the transactions are effected in currencies other than Ringgit Malaysia. UNIRinggit Rewards points will be awarded automatically and will be reflected in the following month s UOB VISA Infinite Card Statement of Account. The calculation of Overseas Spend shall be after conversion to Ringgit Malaysia (RM) at a rate to be determined by UOBM and shall be based on UOBM s transaction records only within the Promotion Period. 5.2 Up to 20% discount at over 200 airport dining outlets in key Asia Pacific cities To enjoy the discount, cardmembers must download the Companion by DragonPass Mobile Application ( Mobile Application ) available on App Store (ios) or Google Play. For the step-by-step guidance on how to download, register and use the Mobile Application, Kindly refer to Full listing of the airport dining outlets in key Asia Pacific cities, can be obtain in the Mobile Application;

2 To enjoy the discount, cardmember must by presenting cardmember s account in the mobile Application; Upon Cardmembers register an account with the Mobile Application, Cardmember are deemed to have accepted the Standard Terms and Conditions (comprising of the Terms of Service, Terms of Use, and Privacy Policy as accessible on which may be amended from time to time. 5.3 Six (6) Complimentary Access to International Lounges for Principal UOBM Privilege Banking Visa Infinite Cardmember ( P. Cardmembers ) To enjoy the complimentary access, all Principle P. Cardmembers must download the Companion by DragonPass Mobile Application ( Mobile Application ) available on App Store (ios) or Google Play. For the step-by-step guidance on how to download, register and use the Mobile Application, Kindly refer to With the Mobile Application, all Principle P. Cardmembers shall be eligible to the following privileges:- a) access to over 600 International airport lounges; b) The Principle P. Cardmembers shall be eligible to enjoy six (6) complimentary access to International Lounges per calendar year by presenting cardmember s account in the mobile Application; c) From the seventh (7th) access onwards, Cardmembers will borne the applicable airport lounge entry rates as notified in the Mobile Application; d) The complimentary access mentioned in sub-clause (b) above is not cumulative and any unutilised complimentary entries from the previous calendar year shall be deemed as forfeited and will not be carried forward to the subsequent calendar year; e) Supplementary and the guests of the P. Cardmembers are not eligible for the complimentary access, and will be charged the prevailing lounge access rate as notified in the Mobile Application; f) Upon Cardmembers register an account with the Mobile Application, Cardmember are deemed to have accepted the Standard Terms and Conditions (comprising of the Terms of Service, Terms of Use, and Privacy Policy as accessible on which may be amended from time to time. 5.3 Four (4) Complimentary Access to more than 120 Lounges across Asia Pacific for Principal UOBM Visa Infinite Cardmembers To enjoy the complimentary access, all Principle UOBM Visa Infinite Cardmembers must download the Companion by DragonPass Mobile Application ( Mobile Application ) available on App Store (ios) and Google Play. For the step-by-step guidance on how to download, register and use the Mobile Application, Kindly refer to With the Mobile Application, all Principal UOBM Visa Infinite Cardmembers shall be eligible to the following privileges:- a) The principal UOBM Visa Infinite Cardmembers shall be eligible to enjoy four (4) complimentary Access to more than 120 Lounges across Asia Pacific as stipulated in Appendix 1 ( Lounges Listing ) per calendar year by presenting cardmember s account in the mobile Application; b) From the fifth (5th) access onwards, Cardmembers will borne the applicable airport lounge entry rates as notified in the Mobile Application;

3 c) The complimentary entries mentioned in sub-clause (a) above is not cumulative and any unutilised complimentary entries from the previous calendar year shall be deemed as forfeited and will not be carried forward to the subsequent calendar year; d) Supplementary and the guests of the Visa Infinite Cardmembers are not eligible for the complimentary access, and will be charged the prevailing lounge access rate as notified in the Mobile Application; e) Upon Cardmembers register an account with the Mobile Application, Cardmember are deemed to have accepted the Standard Terms and Conditions (comprising of the Terms of Service, Terms of Use, and Privacy Policy as accessible on which may be amended from time to time. GENERAL TERMS AND CONDITIONS 6. By participating in the UOBM VISA Infinite Card Privileges, the Cardmembers agree to be bound by these Terms and Conditions, the UNIRinggit Rewards Programme 2017 Terms and Conditions and the UOBM Visa/MasterCard Cardmember Agreement. 7. UOBM shall not be responsible for any failure or delay in transmission of sales transactions by Visa International Incorporated, merchant establishments, postal or telecommunication authorities or any party in which may result in the Cardmember being omitted from the UOBM VISA Infinite Card Privileges. 8. UOBM shall not be responsible nor shall accept any liabilities of any nature and however arising or suffered by the Cardmembers resulting directly or indirectly by the Cardmembers participation in the UOBM VISA Infinite Card Privileges. 9. If there is an inconsistency between these Terms and Conditions and the Cardmember Agreement, these Terms and Conditions will prevail for all matters in connection with the UOBM VISA Infinite Card Privileges. 10. In the event of any inconsistency between these Terms and Conditions and any advertising, promotional, publicity and other materials relating to or in connection with the UOBM VISA Infinite Card Privileges, these Terms and Conditions shall prevail. 11. UOBM's decisions on all matters relating to the UOBM VISA Infinite Card Privileges shall be final and binding upon all Cardmembers and no further correspondence or attempts to dispute such decisions will be entertained. 12. UOBM reserves the right to cancel, terminate or suspend the UOBM VISA Infinite Card Privileges with prior notice. For the avoidance of doubt, cancellation, termination or suspension by UOBM of the UOBM VISA Infinite Card Privileges shall not entitle the Cardmember to any claim or compensation against UOBM for any and all losses or damages suffered or incurred by the Cardmember whether as a direct or indirect result of such cancellation, termination or suspension. 13. UOBM reserves the rights to add, delete or vary these Terms and Conditions from time to time, wholly or in part, at its absolute discretion by providing twenty one (21) days prior notice to the Cardmembers via posting on UOBM s website, displaying a notice at UOBM s branches and/or a statement insert in the Statement of Account.

4 14. To the fullest extent permitted by law, the Bank expressly excludes and disclaims any representations, warranties or endorsements, express or implied, written or oral, without limitation to those published in any mass media, marketing or advertising materials, including but not limited to, any warranty of quality, merchantability or fitness for a particular purpose in respect of the UOBM VISA Infinite Card Privileges and the privileges/rewards under the UOBM VISA Infinite Card Privileges. 15. UOBM shall not be liable for any misrepresentation or misrepresentation of facts by any unauthorized third party in respect of the UOBM VISA Infinite Card Privileges and/or the privileges/rewards under the UOBM VISA Infinite Card Privileges and published in any mass media, marketing or advertising materials. 16. These Terms and Conditions shall be governed by and construed in accordance with the laws of Malaysia and the Cardmembers agree to submit to the non-exclusive jurisdiction of the courts of Malaysia. - END

5 Appendix: Lounges Listing lounge listing may be subject to change. For most up-to-date lounge listing, please refer to Companion by DragonPass Mobile Application. Country City Name Terminal Lounge Name 1 Malaysia Kuala Lumpur Kuala Lumpur International KLIA1 - Satellite Sama-Sama Express KLIA Building 2 Kuala Lumpur Kuala Lumpur International 2 KLIA2 - Satellite Building Sama-Sama Express KLIA2 3 Kuala Lumpur Kuala Lumpur International KLIA1 - Departure Hall KLIA Premier Access 4 Singapore Singapore Singapore Changi Terminal 3 dnata Lounge 5 Singapore Singapore Changi Terminal 3 Arrival The Haven Lounge 6 Singapore Singapore Changi Terminal 1 Dnata Lounge 7 Philippines Angeles City Clark International Main Terminal Miascor Lounge 8 Davao Francisco Bangoy Main Terminal MIASCOR LOUNGE International 9 Manila Ninoy Aquino International Terminal 1 MIASCOR LOUNGE 10 Manila Ninoy Aquino International International Terminal PAGSS Lounge 1 11 Manila Ninoy Aquino International Terminal 3 SKY VIEW LOUNGE 12 Indonesia Banda Aceh Sultan Iskandar Muda International International Terminal Gayo Lounge 13 Bangka Belitung H.A.S. Hanandjoeddin Main Terminal EL JOHN EXECUTIVE LOUNGE 14 Batam Hang Nadim Domestic Terminal EL JOHN EXECUTIVE LOUNGE 15 Denpasar Ngurah Rai International Domestic Terminal TG Lounge Domestic 16 Denpasar Ngurah Rai International New International Terminal TG LoungeInternational 17 East Kalimantan Kalimarau Main Terminal EL JOHN LOUNGE 18 Gorontalo Jalaluddin Main Terminal Matoduolo Lounge 19 Jakarta Soekarno-Hatta Terminal 2 Pura Indah First Class Lounge International 20 Jakarta Soekarno-Hatta Terminal 2 TG Lounge (JCB Co Branding) International 21 Kendari Haluoleo Domestic Terminal Wakatobi Lounge 22 Lombok Lombok International Domestic Terminal Sheraton V.I.P. Departure Lounge 23 Makassar Sultan Hasanuddin Domestic Terminal TG Lounge International 24 Manado Sam Ratulangi International Domestic Terminal Bunaken Lounge 25 Palangkaraya Tjilik Riwut Main Terminal Isen Mulang Lounge 26 Pekanbaru Sultan Syarif Kasim II International Domestic Terminal Lembayung Executive Lounge, Domestic 27 Pontianak Supadio Main Terminal Gapura Lounge 28 Solo Adisumarmo International Domestic Terminal Sriwedari Lounge 29 Yogyakarta Adisucipto International Main Terminal Borobudur Lounge

6 30 China Beijing Beijing Capital International Terminal 3 Complimentary Set Meal at Maxim's 31 Beijing Beijing Capital International Terminal 3 Take a Nape Hourly Charged Lounge 32 Beijing Beijing Capital International Terminal 2 Complimentary Set Meal at Taihing Restaurant 33 Beijing Beijing Capital International Terminal 3 Complimentary Set Meal at Maan Coffee 34 Beijing Beijing Capital International Terminal 2 Complimentary Set Meal at Panopolis 35 Beijing Beijing Capital International Terminal 3 Complimentary Set Meal at Ritazza 36 Beijing Beijing Capital International Terminal 3, Area E Business Travelers Lounge 37 Beijing Beijing Capital International Terminal 2 China Southern Airlines First Class Lounge 38 Beijing Beijing Capital International Terminal 1 Hainan Airlines Lounge 39 Beijing Beijing Capital International Terminal 2 No. 6 Sky Pearl Club Lounge 40 Beijing Beijing Capital International Terminal 2 First Class Lounge A of China Eastern Airline 41 Beijing Nanyuan Main Terminal First Class Lounge 42 Chengdu Shuangliu International Terminal 1 First Class Lounge, Concourse B 43 Chengdu Shuangliu International Terminal 1 First Class Lounge, Concourse C 44 Chengdu Shuangliu International Terminal 2 First Class Lounge, Concourse F 45 Chengdu Shuangliu International Terminal 2 First Class Lounge, Concourse E-F 46 Chengdu Shuangliu International Terminal 2 First Class Lounge, Concourse D-E 47 Chengdu Shuangliu International Terminal 2 First Class Lounge, Concourse G 48 Chengdu Shuangliu International Terminal 2 Take a Nap Bussiness Lounge 49 Chongqing Jiangbei International Terminal 2 First Class Lounge, Concourse A 50 Chongqing Jiangbei International Terminal 2 First Class Lounge, Concourse B 51 Chongqing Jiangbei International Terminal 2 First Class Lounge, Concourse C 52 Chongqing Jiangbei International Terminal 1 International First Class Lounge 53 Chongqing Jiangbei International Terminal 2 Business VIP Lounge, Concourse A 54 Chongqing Jiangbei International Terminal 2 Business VIP Lounge, Concourse B 55 Chongqing Jiangbei International Terminal 2 Business VIP Lounge, Concourse C 56 Chongqing Jiangbei International Terminal 1 International First Class Lounge No Chongqing Wuqiao Main Terminal First Class Lounge 58 Fuzhou Changle International Main Terminal First Class Lounge 59 Fuzhou Changle International Main Terminal Business VIP Lounge 60 Guangzhou Baiyun International Main Terminal First Class Lounge, Area B 61 Guangzhou Baiyun International Main Terminal First Class Lounge, Area B 62 Guangzhou Baiyun International Main Terminal Hainan Airlines First Class Lounge, Area B 63 Guangzhou Baiyun International Main Terminal Air China First Class Lounge, Area A 64 Guangzhou Baiyun International Main Terminal Hainan Airlines VIP Lounge, Area B 65 Guangzhou Baiyun International Main Terminal International First Class Lounge 66 Guangzhou Baiyun International Main Terminal Premium Lounge 67 Guangzhou Baiyun International Main Terminal Shenzhen Airlines Lounge, Area A 68 Guangzhou Baiyun International Main Terminal Business Lounge, Door Guangzhou Baiyun International Main Terminal Hourly Charged Passenger Lounge 70 Guilin Liangjiang International Main Terminal First Class Lounge ( VIP Club Plaza Fly) 71 Guilin Liangjiang International Main Terminal First Class Lounge ( VIP Club Plaza Fly) 72 Guilin Liangjiang International Main Terminal International First Class Lounge ( VIP Club Plaza Fly) 73 Guilin Liangjiang International Main Terminal VIP Lounge 74 Haikou Meilan International Domestic Terminal Business Lounge 75 Haikou Meilan International International Terminal International First Class Lounge 76 Haikou Meilan International Domestic Terminal First Class Lounge (HAK) 77 Haikou Meilan International Main Terminal Trvok Lounge 78 Hangzhou Xiaoshan International T1 Domestic Terminal VIP Reception Center 79 Hangzhou Xiaoshan International T2 International, Hong VIP Lounge No.6, Terminal B Kong, Macau and Taiwan Terminal 80 Hangzhou Xiaoshan International T1 Domestic Terminal YIXING VIP Lounge 81 Hangzhou Xiaoshan International T1 Domestic Terminal Take a Nap Lounge 82 Harbin Taiping International Terminal 1 First Class Lounge 83 Harbin Taiping International Terminal 1 VIP Lounge 84 Kunming Changshui International Terminal 1 First Class Lounge V6 85 Kunming Changshui International Terminal 1 First Class Lounge V12 86 Kunming Changshui International Terminal 1 First Class Lounge V13 87 Kunming Changshui International Terminal 1 First Class Lounge V15 88 Kunming Changshui International Terminal 1 International First Class Lounge V1 89 Kunming Changshui International Terminal 1 International First Class Lounge V2 90 Kunming Changshui International N/A V8 First Class Lounge 91 Kunming Changshui International N/A V9 First Class Lounge 92 Kunming Changshui International N/A V10 First Class Lounge 93 Kunming Changshui International N/A V11 First Class Lounge 94 Kunming Changshui International N/A V16 First Class Lounge 95 Kunming Changshui International Terminal 1 VIP Lounge V3 of Lucky Air 96 Nanjing Lukou International Terminal 2 Domestic CIP Lounge, Terminal 2 97 Sanya Phoenix International Main Terminal First Class Lounge 98 Sanya Phoenix International Main Terminal International First Class Lounge 99 Sanya Phoenix International Terminal 2 DragonPass VIP Hall 100 Sanya Phoenix International Terminal 2 First Class Lounge

7 Country City Name Terminal Lounge Name 101 China Shanghai Hongqiao International Terminal 2 First Class Lounge V1 102 Shanghai Hongqiao International Terminal 1 VIP Reception Area at Gate Shanghai Pudong International Terminal 1 First Class Lounge No Shanghai Pudong International Terminal 2 First Class Lounge No Shanghai Pudong International Terminal 2 Complimentary Set Meal at Cafe Deco 106 Shanghai Pudong International Terminal 2 Complimentary Set Meal at Tianxia 107 Shanghai Pudong International Terminal 2 Complimentary Set Meal at Segafredo 108 Shanghai Pudong International Terminal 1 Complimentary Set Meal at Cafe Deco 109 Shanghai Pudong International Terminal 2 Complimentary Set Meal at Cafe Deco 110 Shanghai Pudong International Terminal 2 Complimentary Set Meal at Tianxia 111 Shanghai Pudong International Terminal 2 Complimentary Set Meal at Segafredo 112 Shanghai Pudong International Terminal 1 Complimentary Set Meal at Cafe Deco 113 Shenzhen Baoan International Terminal 3 China Southern Airlines Lounge 114 Shenzhen Baoan International Terminal 3 Business VIP Lounge 115 Shenzhen Baoan International Terminal 3 International Business VIP Lounge 116 Xiamen Gaoqi International Terminal 3 No. 5 First Class Lounge 117 Xiamen Gaoqi International Terminal 4 First Class Lounge 118 Xiamen Gaoqi International Terminal 3 First Class Lounge 119 Xi'an Xianyang International Terminal 2 First Class Lounge No. 5A 120 Xi'an Xianyang International Terminal 3 China Southern Airlines Lounge 121 Xi'an Xianyang International Terminal 2 Hainan Airlines Lounge (XIY) 122 Xi'an Xianyang International Terminal 2 Hainan Airlines First Class Lounge (XIY)

2. By participating in this Offer, participants agree to be bound by all the terms and conditions below.

2. By participating in this Offer, participants agree to be bound by all the terms and conditions below. Terms and Conditions Campaign 1. The Standard Chartered Bank Malaysia Berhad ("the Bank") Expedia Offer ( Offer ) commences on 16 July 2018 and ends on 31 December 2019, inclusive of both dates ("Offer