3.2 For Monthly Draws, chances will not be automatically carried forward from one Qualifying Transaction Period to the next. Eligible Customers have to meet the investment criteria in clause 3.1. during the respective Qualifying Transaction Periods in order to qualify for chances.

3.3 All chances will be snowballed to the Grand Draw.

3.4 Winners will be selected in random computerized draws.

3.5 Eligible Customers who have won in any Monthly Draw will still be eligible for subsequent Monthly Draws and the Grand Draw subject to clauses above.

3.6 Baiduri Capital reserves the right to draw a reserve winner or winners to replace a winner who is subsequently disqualified or whose prize is forfeited for any reason whatsoever.

3.7 Prizes must be collected in person or by an authorized representative. The representative must present the original duly completed authorisation letter from the Winner and the representative's original identity card at point of collection.

3.8 The prizes are not exchangeable, transferable or exchangeable for cash.

3.9 Baiduri Capital reserves the right to substitute or replace the prize with another prize of similar value without prior notice. Baiduri Capital makes no representation or warranty whatsoever in respect of the prizes, whether as to the quality or merchantability or fitness for purpose or performance or otherwise whatsoever. Any disputes should be resolved directly with the supplier.

3.10 Baiduri Capital shall be entitled to use the names, identification numbers and pictures/photographs of the Winners for publicity materials; and may engage any winners for its publicity purposes without any compensation whatsoever and in such manner as it determines.