RYT BANK BONUS INTEREST CAMPAIGN TERMS AND CONDITIONS

The Ryt Bank Bonus Interest Campaign ("Campaign") is organised by YTL Digital Bank Berhad (formerly known as Sea Capital Services Berhad) ("Ryt Bank / we / us / our").

By participating in this Campaign, you are deemed to have read, understood and accepted these Campaign terms and conditions ("Campaign Terms"). You may seek clarification from us by contacting us if you have any queries in respect of these Campaign Terms.

Campaign Period

18/08/2025 to 30/11/2025 (both dates inclusive).

Eligibility

This Campaign is open to all new and existing individual customers of Ryt Bank who have, either before or during the Campaign Period:

1. created and activated a Ryt Bank Savings Account; and
2. deposited funds into the Save Pocket(s),

(collectively, the "Eligible Customers" and each, an "Eligible Customer").

The following categories of individuals are not eligible to participate in this Campaign:

1. customers who have been declared bankrupt
2. customers whose Ryt Bank Savings Account is terminated, closed, dormant, delinquent, or not in good standing during the Campaign Period;
3. customers who have breached or are suspected to have breached any of these Campaign Terms or any other terms and conditions applicable to the Ryt Bank Savings Account.

The Campaign is capped at total deposits of RM1,000,000,000.00 placed by all customers during the Campaign Period ("Maximum Cap"). The Bonus Interest shall be allocated on a first-come, first-served basis. Once the Maximum Cap is reached, no customers will be eligible for the Bonus Interest (as defined below).

Campaign Mechanics

Subject to the terms and conditions set out herein, all Eligible Customers are entitled to the following interest rates on their Save Pockets:

1. base interest of 3% p.a. ("Base Interest"); and
2. bonus interest of 1% p.a. ("Bonus Interest"), applicable on the first RM20,000 of the total end-of-day balance across all Save Pockets.

The Base Interest is determined in accordance with the general banking terms and conditions applicable to you ("General Terms") and the specific terms and conditions for Ryt Bank Savings Accounts ("Specific Terms"), both available on our website at https://rytbank.my/terms-and-conditions, and is subject to change from time to time in accordance with the Specific Terms. Further information on the Ryt Bank Savings Account, Save Pockets and Base Interest is available on our website at https://rytbank.my and/or on our digital banking mobile application ("Ryt Bank App") (collectively, the "Platform").

The Base Interest is credited daily to your individual Save Pocket(s) and Ryt Bank Savings Account.

The Bonus Interest is credited daily into your Ryt Pocket. The Ryt Pocket serves as the designated Save Pocket for receiving Bonus Interest from all Save Pockets, in cases where you maintain multiple Save Pockets. The Ryt Pocket will be created automatically if you are an Eligible Customer and cannot be deleted.

The Bonus Interest will only accrue on the first RM20,000, calculated based on the total end-of-day deposit balances in your Save Pockets.

Please refer to Table 1 below for examples of how the Bonus Interest and Base Interest is calculated and disbursed:

Table 1

The accrued Base Interest and Bonus Interest will be credited to your respective Save Pockets and Ryt Pocket daily when the respective accrued interest payable is at least RM0.01. We will not credit any amount if the accrued interest payable is less than RM0.01. Upon the conclusion of the campaign or if there are any changes made to the campaign such as changes to bonus interest rate, deposit bonus cap or duration of the campaign, any unpaid accrued component for the Bonus Interest will be forfeited.

Upon the conclusion of the Campaign, you will remain eligible for Base Interest on the end-of-day balances of your Save Pockets, subject to the Specific Terms.

While we will endeavour to disburse the Bonus Interest and Base Interest earned to the respective Save Pockets by the next day, the disbursement may take up to 14 Business Days or longer in exceptional circumstances due to technical disruptions, electrical failures, data processing system failures or other failures beyond Ryt Bank's reasonable control. We shall not be liable for any delays, nor will any compensation be payable for such delays.

Should you cease to be an Eligible Customer at any time during the Campaign Period, you will no longer be entitled to any Bonus Interest. Any unpaid Bonus Interest will be forfeited.

Other Terms and Conditions

These Campaign Terms are in addition to and must be read with our General Terms, Specific Terms, and any other relevant terms and conditions as we may impose from time to time with prior notice (each available on our website at https://rytbank.my/terms-and-conditions). In the event of any inconsistency, these Campaign Terms shall prevail to the extent of such inconsistency.

Some capitalised terms used in this document have been defined in the General Terms or Specific Terms.

We reserve the right to amend these Campaign Terms (including the Base Interest and Bonus Interest rates) or terminate this Campaign at any time by giving you prior notice, via publication through any media, or any other mode as we may reasonably choose. Your continued participation after such notification means you have agreed to all such amendments. If you do not agree to the Campaign Terms (including any changes or amendments), you should immediately cease participation of this Campaign.

The records of transactions maintained by us and our decision on all matters relating to this Campaign shall be final and conclusive, and the same will be binding on you for all purposes.

We may, at our discretion and by giving notice to you, disqualify or reject you from participating in this Campaign if we have become suspicious of or aware of any fraudulent activity concerning your account.

In the event of any inconsistency between these Campaign Terms and any advertising, promotional, publicity and other materials relating to or in connection with this Campaign, these Campaign Terms shall prevail to the extent of such inconsistency.

We shall not be liable for any misinterpretation or misrepresentation of facts by any third party in respect of this Campaign offered and published in any media, marketing or advertising material.

We shall not be liable if we are unable to perform in whole or in part any of its obligations in these Campaign Terms due to:

1. any act of God or any event beyond our reasonable control;
2. technical failures of any kind, intervention, interruptions and/or electronic or human errors in the administration and/or processing of a transactions performed via the Ryt Bank App.

Subject to Applicable Laws, we, our officers, employees, representatives and/or agents (including without limitation, any third party service providers engaged by us for purposes of this Campaign) will not be liable for Loss you or any other person may suffer in connection with the Campaign howsoever arising, whether direct or indirect and whether reasonably foreseeable or not, unless due to our gross negligence or wilful misconduct specifically related to this Campaign.

We expressly exclude and disclaim any representations, warranties or endorsements, expressed or implied, written or oral, without limitation to those published in any mass media, marketing or advertising materials, including but not limited to, any warranty of quality, merchantability of fitness for a particular purpose.

These Campaign Terms are governed by the laws of Malaysia.