TERMS AND CONDITIONS GOVERNING THE PB PROSPERITY RATES CAMPAIGN The following terms and conditions govern the

PB Prosperity Rates Campaign [Campaign] offered by Public Bank Berhad [Bank] to the Customer. These terms and conditions will be applied together with the Rules and Regulations governing the opening and operations of the PLUS FD* account with the Bank, a copy of which has been made available to the Customer.

1. Campaign Period 1.1 The Campaign will run from 1 December 2011 until 31 March 2012, both dates inclusive [Campaign Period].

2. Eligibility 2.1 The campaign is open to all new and existing individual customers of the Bank [Eligible Participant]. 2.2 The Eligible Participant must be aged 18 years and above as at 1 December 2011 and is required to place new Fixed Deposit (FD) placements in PLUS FD account with a minimum deposit of RM30,000 in a single receipt for a tenure of three (3), six (6), nine (9) or twelve (12) months during the Campaign Period. 2.3 The Eligible Participant is allowed to place more than one (1) FD placement during the Campaign. 2.4 The placement of new FD must be from fresh funds. Fresh funds are referred to as funds that do not originate from an existing deposit account(s) with Public Bank Berhad and/or Public Islamic Bank Berhad. 2.5 Permanent and/or contract employees of the Bank, Public Investment Bank and Public Islamic Bank participating in this Campaign will not be entitled to the additional staff rates applicable to the PLUS FD..

Note * - Eligible for protection by Perbadanan Insurans Deposit Malaysia.

Terms and Conditions for PB Prosperity Rates Campaign PUBLIC BANK BERHAD(6463-H)

3. Campaign Details 3.1 The Eligible Participant is required to make the FD placement within the Campaign Period. 3.2 The promotional interest rates offer to Eligible Participants during the Campaign Period for 3-month, 6-month, 9-month and 12-month FD tenures are as follows:a) 3-Month Tenure Month 1 Month 2 Month 3 b) 6-Month Tenure Month 1 3 Month 4 5 Month 6 c) 9-Month Tenure Month 1 - 6 Month 7 - 8 Month 9 d) 12-Month Tenure Month 1 - 6 Month 7 - 11 Month 12 Promotional interest rate (% p.a.) 3.28 3.68 3.98 Promotional interest rate (% p.a.) 3.28 3.68 3.88 Promotional interest rate (% p.a.) 3.28 3.38 3.68 Promotional interest rate (% p.a.) 3.18 3.28 3.38

3.3 The promotional interest rates will be subject to revision should there be any Overnight Policy Rate (OPR) changes. 3.4 Upon maturity of the FD, the placement will be auto renewed for the same tenure at the respective tenures prevailing board rates. 3.5 Partial withdrawal of the FD is not allowed.

Terms and Conditions for PB Prosperity Rates Campaign PUBLIC BANK BERHAD(6463-H)

3.6 All instructions for withdrawal of the FD must be made by giving clear and precise instructions in writing duly signed by the relevant authorized signatory(ies) of the account with regard to the withdrawal and disposal of the deposit(s). The Bank is entitled to refuse or refrain from carrying out such instructions if the signature(s) on any such document appears to the Bank to differ from the specimen signature(s) given. All alterations in such instructions should be confirmed by full signature(s).

4. Rights of the Bank 4.1 The Bank reserves the right at its sole discretion to cancel, terminate or suspend the Campaign. Prior notice of the same will be placed at the Banks website at www.pbebank.com or by any other medium of communication as the Bank deems fit. For avoidance of doubt, cancellation, termination or suspension by the Bank of the Campaign shall not accord the right to the Eligible Participant to any claim or compensation against the Bank for any and all losses or damage suffered or incurred by the Eligible Participant as a direct or indirect result of the act of cancellation, termination or suspension. 4.2 The Bank reserves the right and at its absolute discretion to amend, delete and/or add to any of these Terms and Conditions from time to time with prior notice at the Banks website or by any other medium of communication as the Bank deems fit and such amendment, deletion or addition shall become effective on such date as the Bank may determine. The Eligible Participant agrees to be bound by such amendments, deletions or additions.

5. Others 5.1 The terms and conditions herein are subject to the prevailing The Association of Banks in Malaysias and also the Banks rules and regulations governing the opening of PLUS FD Account. 5.2 By participating in this Campaign, the Eligible Participant is deemed to have read and agreed to the terms and conditions and agrees that the decision of the Bank will be final, binding and conclusive and that no appeal, correspondence, query or protest will be entertained.

Terms and Conditions for PB Prosperity Rates Campaign PUBLIC BANK BERHAD(6463-H)