2.4 To qualify for the promotional interest rate, Eligible Customers who apply for Education Loan with salary assignment must assign their salary to Baiduri Bank throughout the approved loan tenor.

2.5 Employees of Baiduri Bank and its subsidiaries Baiduri Capital and Baiduri Finance are not eligible for this Promotion.

3. Disbursement

3.1 For successful applicants of Education Loan with salary assignment, Baiduri Bank reserves the right to revoke the full loan amount that was disbursed after approval, if salary is not credited into the applicant’s account held with Baiduri Bank within two (2) months of loan disbursement and does not fulfil satisfactory bank’s required documentation. The processing fee will not be reimbursed.

4. General

4.1 By participating in this Promotion, all Eligible Customers are deemed to have read understood and agree to be bound by these terms and conditions and other terms and conditions applicable to the Loan Products and agree that any decisions of Baiduri Bank in relation to every aspect of this Promotion shall be final and conclusive.

4.2 Baiduri Bank reserves the right to change the terms and conditions of this Promotion at its discretion.

4.3 Baiduri Bank reserves the rights to cancel or withdraw this Promotion at any time without prior notice, without assigning reasons thereof and without any compensation to the customers.

4.4 The decision by Baiduri Bank on all matters relating to this Promotion is final, binding, conclusive and no correspondences will be entertained.

4.5 Early termination charges will be charged as per the applicable Schedule of Bank Charges if customers opt for early repayment.