(1) “PSPL” refers to Phillip Securities Pte Ltd (2) “PIC” refers to Phillip Investor Centre, a department under PSPL (3) “Participating Branches” refers to the selected Phillip Investor Centre for this Campaign (4) Promotion Period will end at the respective branches at the end of operation hours of the branch on 10 February 2025 (5) “Eligible Customer” refers to new and existing customers who can participate in the Snake Bingo Campaign and redeem the allocated prizes respectively. (5.1) Customers must be at least 18 years of age. (6) “Non-Eligible Customer” refers to customers who do not qualify for the Promotion unless approved by the management of PSPL. (6.1) All employees (e.g. staff, trading representatives, financial adviser representatives of PhillipCapital group of companies, its related entities, and their immediate family members (e.g. spouse and children) (7) “Qualifying Customer” refers to Eligible Customers who complete the criteria (13) or (14) (8) “Campaign Period” refers to the period from 1 January 2025 till 10 February 2025, both dates inclusive. (9) Each participant can earn a maximum of 15 bingo sheets. (10) Winner can redeem multiple wins from the maximum of 15 Bingo Sheets and qualifying product purchase(s). (11) Red Packet winners must have an eligible account to receive the PMMF value. If no eligible account is available, the prize will be forfeited after 30 days. (12) Customers who withdraw their purchase within the free-look period will forfeit their eligibility for the guaranteed prize, and their winning ticket will be disqualified from the campaign. (13) “Snake Bingo Campaign” refers to the campaign that eligible customers will participate to get incentives and also stand a chance to win prizes when they fulfil the criteria table below.

Bingo Draw				Guaranteed Win
Prize	S$8 Red Packet In Phillip Money Market Fund Credits	Lunar Snake Papercut NETS FlashPay	The Singapore Mint Lunar Snake 1g 999.9 Fine Gold	The Singapore Mint Lunar Snake 1g 999.9 Fine Gold
Quantity	1 Unit	1 Unit	1 Unit	1 Unit
Requirement	Single Line Bingo	Connected Double Lines Bingo	Snake Bingo (S Shaped)	Purchase Qualifying Product(s) – Refer to FAQ 7 Purchase Qualifying Product(s) – Refer to FAQ 7

(14) “Qualifying Purchase” refers to products and services that qualifies the Eligible customer to redeem a guaranteed prize in the Phillip Snake Bingo Campaign by completing the below criteria:

Category	Minimum Amount	Fee	Reward
Unit Trust	S$50,000	1%~	The Singapore Mint Lunar Snake 1g 999.9 Fine Gold
Managed Account	S$50,000
~ Fee varies according to product purchased

(15) The Winning Numbers announcement will be conducted on 13 February 2025, at Phillip Investor Centre @ Raffles City Tower through Facebook Page @Phillipinvestorcentre. The LIVE segment will take place at 1600hrs SGT. Winners will be required to submit the winning Bingo Sheet(s) for verification purpose via https://forms.gle/8yCqdTw1gpq2oHre8 or visit any Phillip Investor Centre Branches to verify your winning bingo sheets within 5 working days from the Facebook LIVE date. All verified and qualified winners will be notified via email on 1 March 2025. The prize collection period will be open from 1 March to 15 March 2025. Winners must collect their prizes within this timeframe; unclaimed prizes will be forfeited. (16) Qualifying Customers with Qualifying Purchases eligible to redeem the Bingo Prize or Guaranteed Prize will be notified on 1 March 2025 and contacted via the email address provided in the POEMS Advisory Account. (17) Prizes are to be redeemed at Phillip Investor Centre @ Raffles City Tower, between 0900hrs – 1800hrs between 1 March to 15 March 2025 or 15 days from date of the Notification Email . (18) Prizes not redeemed within 1 March to 15 March 2025 or 15 days from the date of the Notification Email may be forfeited, withdrawn or given to a reserve winner at the sole and absolute discretion of Phillip Investor Centre. (19) Each qualifying customer can redeem multiple prizes based on their qualifying product purchases and up to 15 Bingo sheets. However, each Bingo sheet is eligible for only one (1) prize, determined by the highest achieved criteria. For example, if a Bingo sheet achieves a single line, double connected lines, or even a snake bingo, only the prize corresponding to the highest qualifying criteria will be awarded for that sheet. [Snake Bingo > Double Connected Line > Single Line ] (20) PSPL reserves the right to vary the terms and conditions or withdraw this Snake Bingo at any time without prior notice. The Prize is not exchangeable for cash or for any other items. (21) PSPL reserves the right to use any other method or medium at its sole and absolute discretion for the purpose of announcing the winners of the Snake Bingo Campaign. (22) PSPL shall not be liable for any incomplete, lost, late, damaged, illegible or misdirected Entries for any reason whatsoever or problems or technical malfunction of, computer online systems, servers, providers or technical problems, or any combination thereof. (23) PSPL makes no representation as to the quality or performance of the Prizes provided by the merchants. By participating in the Snake Bingo Campaign, the Participants acknowledge and accept that the use of each Prize is subject to the terms and conditions of the relevant merchant providing the Prize. (24) PSPL decisions in all matters related to the prizes and prize winners shall be final. No correspondence or appeals shall be entertained in relation thereto. (25) In the event of any inconsistency between these terms and conditions and other marketing or promotional materials, these terms and conditions shall prevail. (26) By participating in the Snake Bingo Campaign, Participants hereby agree to all the terms and conditions of participation in the campaign as set out herein, including all amendments, additions, replacements and modifications hereto as may from time to time be made by PSPL. (27) By participating in the Snake Bingo Campaign, the Participant represents and warrants for the benefit of PSPL that the information submitted in each Entry to PSPL is true, accurate, complete and up to date. (28) By participating in the Snake Bingo Campaign, the winners understand that any changes made to the product purchased after the campaign entry may affect prize eligibility and they will be automatically disqualified from prize eligibility if: – They downgrade or change the product to one of lower value or a different category that does not meet the original qualifying criteria. – They cancel or replace the product with one that fails to fulfill the minimum requirements of the campaign, as stated at the time of participation. – They substitute with a product of a shorter coverage period or lesser value than the originally purchased product. (29) By participating in the Snake Bingo Campaign, the winners must not have withdrawn their marketing consent to PSPL at the point of collection of the Prize. Doing so will result in the winner(s) being disqualified from the Bingo Prize and their Guaranteed Prize forfeited. (30) Participants may be contacted via their registered email address where Participants will be required to provide further information including but not limited to their photograph or a video of themselves and personal details for the purposes of verification of age, identity and their status as a POEMS Account holder. (31) The judging and determination of the eligibility of any person to participate in the Campaign and selection of winners shall be at the sole and absolute discretion of PSPL. The decisions of PSPL on all matters relating to this Campaign are final, conclusive and binding. PSPL shall not be obliged to give any reason or prior notice or enter into any correspondence with any person on any matter concerning this Campaign or its decisions and no appeal, correspondence or demands or claims will be entertained. (32) All details and particulars submitted by Participants must be accurate, true and complete. Incomplete, inaccurate and illegible Entries will be disqualified. If PSPL subsequently determines that a person is in fact not eligible, or if a Prize Winner does not fulfil his or her obligations for any reason whatsoever, PSPL may at its discretion, disqualify the Participant and clawback/cancel any or all of the Prizes without prior notice. (33) All Qualifying Customers will be informed via their registered email on 1 March 2025, where they will be provided details on the Snake Bingo redemption. In the event that the Qualifying Customers do not respond by the date stated in the email or redeem the Prize by the stated expiry date, the Prize will be forfeited. Participants who are not shortlisted as Qualifying Customers will not be informed. (34) PSPL may replace, modify or withdraw the Prizes at any time without notice or liability. Prizes are not transferable and cannot be substituted with any other Prize. (35) PSPL makes no representation as to the quality or performance of the Prizes provided by the merchants/vendors in connection with the Campaign. The Participants acknowledge and accept that use of the Prizes may be further subject to the terms and conditions of the relevant merchant providing the Prizes. (36) Participants hereby assign to PSPL, all rights, title and interest in all intellectual property rights created during the registration and documentation process and to fully disclaim and waive all intellectual property rights and moral rights. If necessary, Participants shall execute all further documents and deeds necessary to effect, perfect, record or register such assignment at the Participant’s own cost. (37) PSPL is the sole owner of any and all intellectual property arising from submission of an Entry and creation Snake Bingo Campaign Content and it may use and license others to use the Entry content and Snake Bingo Campaign in which Winners appear, in any and all media by any manner or means whether or not now known or invented, used or contemplated, throughout the world, for an unlimited number of times in perpetuity without any further payment made to Winners. (38) PSPL may request a valid identification of NRIC number/passport number of any Winner before the prize is awarded. (39) PSPL reserves the right to forfeit any prizes for any Winner who does not adhere to the terms and conditions of the Snake Bingo Campaign upon the prize collection. (40) PSPL reserves the right to cancel, modify, suspend or delay the Snake Bingo Campaign at its sole discretion. (41) PSPL has the right to use the names, photographs, videos and/or other submission materials of the participants and all other entries for publicity purposes without any prior notice to you. The participants shall not be entitled to claim ownership or other forms of compensation for the materials. (42) PSPL reserves the right to change, amend, delete or add to these Terms and Conditions without prior notice at any time and the participants shall be bound by such changes. (43) By participating in the promotion, each eligible customer is deemed to have accepted and agreed that PSPL may collect, use and disclose your personal data for the purpose of this promotions in accordance with the Personal Data Protection Act 2012 and our data protection policy. (44) By participating in the Snake Bingo Campaign, Participants hereby agree to all the terms and conditions of participating in the Campaign as set out herein, including but not limited to the eligibility criteria, prizes, the collection, use and transfer of personal data by PSPL, in accordance with the relevant PSPL Privacy Statement and all amendments, additions, replacements and modifications hereto as may from time to time be made by PSPL.