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Monthly Incremental Balance (“MIB”) refers to the net changes in month-end balance compared to beginning of the month or the day of new account opening of JSA/-i, whichever earlier. The following crediting/deposit transactions will not be included for the computation of MIB, if any:

i) Crediting of interest/profit/incentive or bonus interest/profit/incentive

ii) Crediting of cash rebate, cashback, waiver, refund, adjustment, reversal

Eligible Month (“Eligible Month”) refers to the initial month customer first met the campaign criteria of minimally RM500 MIB, which will also be deemed as the campaign commencement month of the customer.

i) The bonus interest/profit shall be determined at 50% of the base interest/profit earned beginning from the commencement of Eligible Month, provided that MIB is successfully carried out in respect of all the months or the remaining months (as the case may be) during the campaign period.

ii The bonus interest/profit shall be determined at 25% of the base interest/profit earned beginning from the commencement of Eligible Month, if there is a failure in carrying out the MIB which is attributable to the default of up to two (2) months in respect of all the months or the remaining months (as the case may be) during the campaign period.

iii) The bonus interest/profit shall not be awarded if there is a failure in carrying out the MIB which is attributable to the default of above two (2) months in respect of all the months or the remaining months (as the case may be) during the campaign period.