RYT BANK YES DEVICE CASHBACK CAMPAIGN TERMS AND CONDITIONS

Effective Date: 12 September 2026

The Yes Device Cashback Campaign ("Campaign") is organised by YTL Digital Bank Berhad ("Ryt Bank / we / us / our") in collaboration with YTL Communications Sdn Bhd ("Yes").

By participating in this Campaign, you agree that you 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.

1. Campaign Period

   This campaign runs from 12 September 2026, 8:00 p.m. ("Campaign Start Date") and shall continue until such date as may be determined and notified by us.

2. Eligibility

   1. This Campaign is open to all customers of Ryt Bank who has a valid Ryt Bank Account during the Campaign Period.

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

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

      1. customers whose Ryt Bank Account is terminated, closed, dormant, frozen, blocked, suspended, delinquent, or not in good standing during the Campaign Period;

      2. 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 Account.

   3. The Campaign is subject to a maximum allocation of cashback determined by Ryt Bank ("Maximum Allocation"). Cashback is administered solely by Ryt Bank and will be awarded on a first-come, first-served basis. Once the Maximum Allocation has been fully utilised, no customers will be eligible for the cashback.

3. Campaign Rewards and Mechanics

   1. General: During the Campaign Period, Eligible Customers may earn up to four per cent (4%) cashback on Devices (defined below) purchased from Yes Store through the Ryt Bank App.

      The cashback comprises two categories. To earn the reward for each category, Eligible Customers must satisfy the applicable conditions set out in Clause 3.2.

   2. Rewards and Mechanics

      Category	Reward	Condition
      Ryt Credit Cashback	3% of Purchase Price	The purchase of the Device is made using a Ryt Card with Ryt Credit as the source of funds. Purchases made via the Ryt Main Savings Account (pay in full) do not qualify for this reward.
      SIM Cashback	1% of Purchase Price	The Eligible Customer completes a successful activation of the SIM provided with the Device purchased, within the SIM Activation Period.

      1. Definitions:

         (i) "Device" means a mobile device offered for sale by Yes through Yes Store, as accessed via the Ryt Bank App.

         (ii) "Purchase Price" means the purchase price of the Device displayed to the Eligible Customer through the purchase journey initiated via the Ryt Bank App at the time of purchase.

         (iii) "SIM Activation Period" means the period of 30 days from the date the Device is delivered to the Eligible Customer, as recorded in Yes's records, or such other period as may be determined by Yes.

         Eligible Customers remain eligible for the SIM Cashback if activation is completed within this period, even if it falls after the Campaign Period has ended.

         Each Eligible Customer who purchases a Device under this Campaign will receive one (1) prepaid SIM from Yes at no additional cost, subject to Yes's maximum limit of five (5) prepaid SIMs per customer. For the avoidance of doubt, no postpaid SIM will be provided under this Campaign. Where the allocation of the prepaid SIM under this Campaign would result in the Eligible Customer exceeding Yes's maximum limit of five (5) prepaid SIMs per customer, the Eligible Customer will not be eligible to receive the free prepaid SIM and will receive the Device only.

      2. An Eligible Customer's total cashback for a purchase is the sum of the Ryt Credit Cashback and SIM Cashback earned (where applicable), up to a maximum of 4% of Purchase Price.

   3. Crediting of Cashback

      1. Cashback is credited to the Eligible Customer's Ryt Pocket:

         (i) upon successful settlement of the purchase for Ryt Credit Cashback; and

         (ii) upon successful SIM activation for SIM Cashback.

      2. While we will endeavour to disburse the cashback to the Eligible Customer's Ryt Pocket promptly, the disbursement may take up to fourteen (14) Business Days or longer in exceptional circumstances due to technical disruptions, electrical failures, data processing system failures or other failures beyond our reasonable control. We shall not be liable for any delays, nor shall any compensation be payable in connection with such delays.

      3. All cashback amounts are rounded down to the nearest cent. Where an Eligible Customer is eligible for both Ryt Credit Cashback and SIM Cashback, each category is independently calculated and rounded down to the nearest cent before being added together to determine the Eligible Customer's total cashback.

      4. If a purchase is cancelled, reversed, voided, or refunded after the cashback has been credited to the Eligible Customer's Ryt Pocket, the corresponding cashback amount may be deducted from the Eligible Customer's Account.

      5. If there is any dispute, claim, or appeal regarding whether a transaction is eligible for cashback, or the amount of cashback credited or debited, the Eligible Customer shall provide proof of the relevant transaction upon request for our further review.

      6. There shall be no retrospective allocation or reallocation of cashback in relation to deductions made under Clause 3.3(d) or disputes under Clause 3.3(e).

      7. We reserve the right to adjust, deduct, or reclaim any cashback credited to the Eligible Customer's Account in the event we become aware of any error in connection with such crediting.

4. Other Terms and Conditions

   1. The purchase and use of the Device and SIM, and the subscription to and use of any service provided by Yes (where applicable), shall be subject to the applicable terms and conditions made available by Yes on Yes's website, as may be updated from time to time. For the avoidance of doubt, such terms and conditions shall apply in addition to these Campaign Terms.

   2. 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 here). In the event of any inconsistency, these Campaign Terms shall prevail to the extent of such inconsistency.

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

   4. We reserve the right to amend these Campaign Terms 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.

   5. 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.

   6. 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.

   7. 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.

   8. 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.

   9. 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.

   10. 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.

   11. 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.

   12. These Campaign Terms are governed by the laws of Malaysia.