4.3 Each Eligible Customer may place up to BND 500,000 per series.

4.4 Deposits may be split into a maximum of two (2) Certificates of Deposit per series.

4.5 In the event of premature or early withdrawal (upliftment), a BND 20 handling fee will apply, along with an early upliftment penalty fee of either BND 10 or 1% of the principal amount (whichever is greater). Any accrued interest will be forfeited.

5. General

5.1 The Offer is governed by the Bank’s standard terms and conditions governing the related products and any other documents forming the banking agreement.

5.2 The Bank reserves the right to suspend, cancel or amend the Offer or vary its Terms.

5.3 The Bank reserves the right to determine at its sole discretion all matters arising out of or in connection with the Offer. The Bank’s determination of all matters relating
to the Offer shall be final and conclusive.

5.4 By participating in the Offer, Eligible Customers consent to the collection, use and disclosure of the Eligible Customers’ personal data by/to the organisers, promoters or conductors of the Offer, and such other third parties for the purpose of the Offer, in accordance with the Group Privacy Policy. Eligible Customers confirm that they have read and agree to the terms of the Group Privacy Policy, as may be amended, supplemented, and/or substituted by the Bank from time to time, a copy of which can be found on www.baiduri.com.

5.5 In the event of any inconsistency between these Terms and any promotional materials relating to the Offer, these Terms shall prevail.

5.6 These Terms shall be governed by and construed in accordance with the laws of Brunei Darussalam.