Terms and conditions governing GXS FlexiLoan It's On Us Campaign (“Campaign”)

This Campaign consists of the following three (3) Promotions and is available from 1 November 2023 to 31 December 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. GXS FlexiLoan It’s On Us Reward 1 Promotion (“Reward 1 Promotion”);
2. GXS FlexiLoan It’s On Us Reward 2 Promotion (“Reward 2 Promotion”); and
3. GXS FlexiLoan It’s On Us Lucky Draw (“Draw”)

(each, a “Promotion”).

‍2.1. Eligibility

1. Subject to Clause 2.1(b) below, you are eligible to participate in this Reward 1 Promotion if:
   i. you do not hold or maintain a GXS FlexiLoan account as at the date of this 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 “Reward 1 Eligible Participant”).
   ‍
2. You will not be a Reward 1 Eligible Participant 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 Reward 1 Promotion, a Reward 1 Eligible Participant 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 20,000 Reward 1 Eligible Participants who have successfully complied with the terms and conditions of this Reward 1 Promotion (and any other applicable Terms of this Campaign) (“Reward 1 Successful Participant”), provided such customer has provided the Bank with full and accurate details and/or particulars.
3. Each Reward 1 Successful Participant is entitled to only one (1) S$5 GrabGift Reward.

‍3.1. Eligibility

1. Subject to Clause 3.1(b) below, you are eligible to participate in this Reward 2 Promotion if:
   i. you
        (A) 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; or
         (B) are an existing holder of a GXS FlexiLoan account, and such account remains active and in good standing with the Bank at all material times, including during the Promotion Period; and
   ii. you have performed a drawdown of a single loan of (1) at least S$5,000 or (2) at least 50% of the credit limit made available to you during the Promotion Period; and
   iii. the loan referred to in sub-clause (ii) has a loan tenure of not less than 6 months.

        (a “Reward 2 Eligible Participant”).

2. You will not be a Reward 2 Eligible Participant if:
   i. you prepay your loan in full on or before 15 January 2024;
   ii. any condition in Clause 3.1(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$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 Reward 2 Promotion, a Reward 2 Eligible Participant 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 2,000 Reward 2 Eligible Participants who have successfully complied with the terms and conditions of this Reward 2 Promotion (and any other applicable Terms of this Campaign) (“Reward 2 Successful Participant”), provided such customer has provided the Bank with full and accurate details and/or particulars.
3. Each Reward 2 Successful Participant is entitled to only one (1) S$30 GrabGift Reward.

‍4.1. Eligibility

1. Subject to Clause 4.1(b) below, you are eligible to participate in the Draw organised and conducted by the Bank if:
   i. you are not an existing holder of a GXS FlexiLoan account:
        (A) 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; and
         (B) you have performed a drawdown of a single loan of (1) at least S$5,000 or (2) at least 50% of the credit limit made available to you during the Promotion Period, and such loan has a loan tenure of not less than 6 months; or
   ii. you are an existing holder of a GXS FlexiLoan account:
        (A) such account remains active and in good standing with the Bank at all material times, including during the Promotion Period and until such time the winner of the Draw is determined and the Prize thereunder is fulfilled; and
        (B) you have an existing loan of (1) at least S$5,000 or (2) at least 50% of the credit limit made available to you drawn at any time (whether prior to or during the Promotion Period) and such loan must be existing as at 15 January 2024 (as defined below),

        (a “Lucky Draw Eligible Participant”).

2. You will not be a Lucky Draw Eligible Participant if:
   i. you prepay your loan in full or your loan is fully repaid on or before 15 January 2024 (as defined below in Clause 4.2(c));
   ii. any condition in Clause 2(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 the Draw Date (as defined below):
          (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.

4.2. Lucky Draw

1. Upon fulfillment of the eligibility requirements of the Draw and the Terms of the Draw, the Lucky Draw Eligible Participant’s name will be automatically submitted to the Draw pool. If you do not wish to participate in the Draw, please inform the Bank by calling (+65) 3105 2055 before 15 January 2024.
2. Each Lucky Draw Eligible Participant will be awarded only one (1) chance in the Draw.
3. The Draw will be conducted on 18 January 2024 (the “Draw Date”) between 10am to 6pm (Singapore time) at the GXS office located at 3 Media Close, #09-00, Singapore 138498 (or such other date, time or location as the Bank may determine at its sole and absolute discretion without prior notice). The Draw will be witnessed by an external auditor or other scrutineer appointed by the Bank at its sole and absolute discretion.
4. A total of eight (8) winners will be selected at random from the pool of Lucky Draw Eligible Participants (“Winners”) by the Bank using such methods and in such manner (which may be manual or computerised) as the Bank may determine in its sole discretion. Each Winner is limited to only one (1) Prize. This means selecting the same Lucky Draw Eligible Participant more than once as a Winner is not allowed.
5. The Bank reserves the right to draw alternative or reserve winners to replace any Winner who is or may be subsequently found to be ineligible or disqualified from the Draw.
6. If a Winner is subsequently discovered to not be a Lucky Draw Eligible Participant or not be eligible or qualified to receive or claim a Prize (which eligibility or qualification shall be determined at the Bank’s sole discretion), the Bank reserves the right to forfeit the Prize, reclaim the Prize or charge you the full value of the Prize, without prior notice to you.
7. The Winners will be notified by email to their last known GXS-registered email address based on GXS’ records and/or through push notifications in the GXS app on 22 January 2024 or on any such date as the Bank may determine in its absolute discretion but in any case within seven (7) days from the Draw Date. Winners may also be contacted by telephone using the last-known contact number based on GXS’ records. Only the Winners will be notified of the results of the Lucky Draw Promotion together with details on how to claim the Prize. The details (full name and partially masked NRIC) of the Winners will also be announced on GXS’ website at http://www.gxs.com.sg/flexiloan-its-on-us.

4.3 Prize

1. Lucky Draw Eligible Participants will stand a chance to win a one-time cash prize equivalent to the transaction amount(s) of any purchase or payment (as evidenced by the submitted Invoices (as defined below) referred to in this Clause 4), up to a maximum amount of S$3,000, subject to the Terms of the Draw (“Prize”). To clarify, subject to the Terms of this Draw, a Winner will receive the amount in Singapore dollars set out in the submitted Invoices referred to in this Clause 4, capped at a maximum amount of S$3,000.
2. In order for a Winner to be able to claim a Prize, a Winner must submit scanned and legible copies of the official invoice(s), bill(s), credit card statement(s) or receipt(s) (“Invoices”) to itsonus@gxs.com.sg by 5 p.m. on 5 February 2024, and any other information that the Bank may require, whether for validation or otherwise, at its sole discretion.. A Winner is able to submit up to three (3) Invoices. If any Winner submits more than three (3) Invoices, only three (3) Invoices of the lowest value will be considered.
3. If:
   i. the Invoices include invoice(s), bill(s) or receipt(s), such Invoices:
          (A) must be official invoices, bills or receipts indicating the full name of the entity issuing the relevant invoice, bill or receipt;
          (B) must be in Singapore dollars;
          (C) must contain a description of goods or services purchased (i.e. an invoice, bill or receipt only indicating what is charged or had been paid for without indicating what item has been purchased or paid for is not permitted);
           (D) for Lucky Draw Eligible Participants who were prior to the Promotion Period not an existing holder of a GXS FlexiLoan account under Clause 4.1(a)(i), must be dated between 1 November 2023 and 31 December 2023 (both dates inclusive); and
           (E) for Lucky Draw Eligible Participants who prior to the Promotion Period were existing holders of a GXS FlexiLoan account under Clause 4.1(a)(ii), must be dated between 1 May 2023 and 31 December 2023; or
   ‍
   ii. the Invoices include credit card statement(s):
           (A) such credit card statement must be an official credit card statement(s) indicating the full name of the credit card issuer;
          (B) the charged amounts under the credit card must be in Singapore dollars;
          (C) a Winner must indicate in their submission of Invoices which transaction(s) in their credit card statement they are entering for submission for purposes of claiming the Prize and the corresponding transaction amount. For the avoidance of doubt, a Winner should not select or indicate more than three (3) transactions in all credit card statements submitted to the Bank, and where there are more than three (3) transactions selected, the Bank shall only take into account three (3) transactions of the lowest value, as may be determined by the Bank at its sole discretion. To clarify, a Winner cannot submit the entire credit card statement amount;
          (D) for Lucky Draw Eligible Participants who were prior to the Promotion Period not an existing holder of a GXS FlexiLoan account under Clause 4.1(a)(i), the credit card statement submitted must be dated between 1 November 2023 and 31 December 2023 (both dates inclusive); and
           (E) for Lucky Draw Eligible Participants who prior to the Promotion Period were existing holders of a GXS FlexiLoan account under Clause 4.1(a)(ii), the credit card statement submitted must be dated between 1 May 2023 and 31 December 2023.
4. A Winner shall be forfeited from being able to claim a Prize if: 
   i. a Winner does not submit an Invoice or Invoices referred to in Clauses 4.3(b) and 4(c) above before 5 p.m. on 5 February 2024;
   ii. the Bank determines, at its sole and absolute discretion and without any liability to any person, that such Winner is ineligible to participate in the Draw or to claim any prize for any reason, including but not limited to the Bank determining that a Winner had or is reasonably suspected to have made purchases or payments for or in connection with any of the following purposes: any fraudulent, illicit, illegal or unfit purpose, any purpose which has or may result (directly or indirectly) in any harm, claim, liability or reputational risk to the Bank, any political activities or donations, gambling or similar activities, any down payment of property, any motor vehicle purchase and any repayment of any debt or credit facility.
5. All Winners who are qualified to claim a Prize (a “Qualified Winner”) will be notified by email to their last known GXS-registered email address based on GXS’ records and/or through push notifications in the GXS app.
6. The Prize will be credited via PayNow (using such Qualified Winner’s NRIC) into each Qualified Winner’s bank account which has been registered with or linked to PayNow by 31 March 2024. Each Qualified Winner is responsible for ensuring that (i) their NRIC and (ii) a valid and existing bank account that is in good standing and has not been blocked from use, is linked to such Qualified Winner’s PayNow by 1 March 2023. The Bank shall not be responsible for any loss or damage suffered by any person if the Prize is not credited or available for use, or if the Winner is unable to claim, redeem or use the Prize.
7. Any unclaimed Prize will be forfeited without any liability on the Bank and the Bank may donate the Prize to a charitable organisation of its choice at its absolute discretion.

4.4 Personal Data Consent

Any Lucky Draw Eligible Participant who does not withdraw his or her participation in the Draw in accordance with Clause 4.2(a), and in addition to any consent already provided to the Bank and any right of the Bank under applicable laws, consents to the Bank (and any other necessary third party) collecting, using and disclosing your information (including your personal data) for purposes relating to your participation in the Draw, including:

i. to notify you of the Draw results and for the announcement of the Winners on the GXS website/social media page/app, newspaper and/or such other channels as the Bank may determine in its sole discretion;

ii. with respect to the claiming, redemption or collection of the Prize; and/or

iii. to contact you for any publicity in connection with the Draw, including without limitation, for any request to take photographs and/or videos of you or for a quote or interview with respect to the Draw.

‍