Terms and conditions governing GXS FlexiLoan October Rewards Campaign (“Campaign”)

This Campaign consists of the following two (2) Promotions and is available from 3 October 2023 to 31 October 2023 (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. October FlexiLoan Welcome Rewards Promotion (“Welcome Rewards Promotion”); and
2. October FlexiLoan Drawdown Rewards Promotion (“Drawdown Rewards Promotion”);

(each, a “Promotion”).

‍2.1. Eligibility

1. Subject to Clause 2.1(b) below, you are eligible to participate in this Welcome Rewards Promotion if:
   i. you have received an invite from the Bank via approved bank channels to participate in this Welcome Rewards Promotion;
   ii. you are aged 21 and 65 years of age and have full legal capacity;
   iii. you are a Singapore Citizen or Singapore Permanent Resident;
   iv. your annual income is at least S$20,000;
   v. you have applied for a GXS FlexiLoan during the Promotion Period through GXS channels made available and accepted by the Bank,
   ‍
   (a “Welcome Rewards Eligible Applicant”).
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2. You will not be a Welcome Rewards Eligible Applicant if:
   i. you are an existing holder of a GXS FlexiLoan account or have opened and held a GXS FlexiLoan account at any time prior to the Promotion Period;
   ii. any condition in Clause 2.1(a) has not been complied with;
   iii. any information which you have provided to the Bank during the GXS FlexiLoan application process has materially changed prior to drawdown of the loan; or
   iv. at any time during the Promotion Period or prior to fulfillment of the S$5 GrabGift Reward:
          (A) your GXS FlexiLoan account with the Bank is closed, suspended, cancelled or terminated (whether voluntarily or involuntarily); or
          (B) you’ve breached any of the Terms of this Campaign or the GXS FlexiLoan Terms and Conditions.

2.2. Reward

1. Under this Welcome Rewards Promotion, a Welcome Rewards Eligible Applicant is eligible to receive a S$5 GrabGift Promotion Code (“S$5 GrabGift Reward”) subject to the Terms of this Campaign.
2. The S$5 GrabGift Reward is awarded on a first-come-first-served basis and is limited to the first 10,000 Welcome Rewards Eligible Applicants who have successfully complied with the terms and conditions of this Welcome Rewards Promotion (and any other applicable Terms of this Campaign) (“Welcome Rewards Successful Participant”), provided such customer has provided the Bank with full and accurate details and/or particulars.
3. Each Welcome Rewards Eligible Applicant who is a Welcome Rewards Successful Participant is limited to one (1) S$5 GrabGift Reward.

‍3.1. Eligibility

1. Subject to Clause 3.1(b) below, you are eligible to participate in this Drawdown Rewards Promotion if:
   i. you have received an invite from the Bank via approved bank channels to participate in this Drawdown Rewards Promotion;
   ii. you have applied for a GXS FlexiLoan during the Promotion Period through GXS channels made available and accepted by the Bank and the Bank has approved your GXS FlexiLoan application during the Promotion Period (“Successful FlexiLoan Application”); and
   iii. you have performed a drawdown of a single loan of (1) at least S$3,000 or (2) at least 50% of the credit limit made available to you during the Promotion Period; and
   iv. the loan referred to in sub-clause (iii) has a loan tenure of not less than 6 months.

        (a “Drawdown Rewards Eligible Applicant”).

2. You will not be a Drawdown Rewards Eligible Applicant if:
   i. you are an existing holder of a GXS FlexiLoan account or have opened and held a GXS FlexiLoan account at any time prior to the Promotion Period;
   ii. you prepay your loan in full on or before 15 January 2024;
   iii. any condition in Clause 3.1(a) has not been complied with;
   iv. at any time during the Promotion Period or prior to fulfillment of the S$30 GrabGift Reward:
          (A) your GXS FlexiLoan account with the Bank is closed, suspended, cancelled or terminated (whether voluntarily or involuntarily); or
          (B) you’ve breached any of the Terms of this Campaign or the GXS FlexiLoan Terms and Conditions.

3.2. Reward

1. Under this Drawdown Rewards Promotion, a Drawdown Rewards Eligible Applicant is eligible to receive a S$30 GrabGift Promotion Code (“S$30 GrabGift Reward”) subject to the Terms of this Campaign.
2. The S$30 GrabGift Reward is awarded on a first-come-first-served basis and is limited to the first 1,000 Drawdown Rewards Eligible Applicants who have successfully complied with the terms and conditions of this Drawdown Rewards Promotion (and any other applicable Terms of this Campaign) (“Drawdown Rewards Successful Participant”), provided such customer has provided the Bank with full and accurate details and/or particulars.
3. If a customer is (i) eligible to participate in any other campaign or promotion organised by the Bank (other than the Welcome Rewards Promotion) in addition to this Drawdown Rewards Promotion and (ii) the promotion period under such campaign or promotion overlaps (whether in whole or in part) with the Promotion Period, such customer shall only be entitled to one (1) reward of the higher value. For the avoidance of doubt, if a customer meets the relevant eligibility requirements of the Promotions under this Campaign, such customer is entitled to participate in and receive the Rewards under the Promotions in this Campaign (in each case subject to the Terms of this Campaign).
4. Each Drawdown Rewards Eligible Applicant who is a Drawdown Rewards Successful Participant is limited to one (1) S$30 GrabGift Reward.