a)     Annual Fee Waiver

                      i.        NTC Cardholders who within forty-five (45) days from the Eligible Cards approval date perform a minimum of one (1) Eligible Retail Spend (“as defined in Clause 23 below”)  using each Eligible Card (including the supplementary card) approved and issued by HLB under this Promotion A2 will be entitled to the 1st year’s annual fee waiver for each Eligible Card.

The SMS service provider for this Promotion A2 is M3 Technologies (Asia) Berhad (“M3 Tech”) and M3 Tech will notify the NTC Cardholders upon the approval of their Eligible Cards via SMS.

                     ii.        The annual fee waiver for the subsequent years is subject to existing annual fee waiver terms and conditions. For further details, please refer to the respective product page at www.hlb.com.my (“HLB’s Website”).