The campaign runs from 1 July until 31 December 2025.

1. Open to all depositors aged below 65 years;
2. Limited to new registrations of direct debit or salary deduction contributions made during the campaign period with a minimum amount of RM200.00 per month.
3. No withdrawals are allowed during the campaign period.
4. Only successful transactions will be taken into account for both categories.

1. Prizes for the Campaign are as follows:

   • Grand Prizes:
     40 holiday packages and one-year free TH Khairat subscription.

   • Consolation Prizes (Monthly):
     3,000 one-year free TH Khairat subscriptions.

2. Prizes will be awarded according to the contribution category, namely Direct Debit and Salary Deduction. The breakdown is as follows:
    

   Salary Deduction	Direct Debit
   20 x Grand Prizes 5 x ASEAN holiday packages worth RM3,000 each & one-year free TH Khairat subscription   15 x domestic holiday packages worth RM1,000 each & one-year free TH Khairat subscription 250 x Monthly Prizes One-year free TH Khairat subscription	20 x Grand Prizes 5 x ASEAN holiday packages worth RM3,000 each & one-year free TH Khairat subscription   15 x domestic holiday packages worth RM1,000 each & one-year free TH Khairat subscription 250 x Monthly Prizes One-year free TH Khairat subscription



3. Participants who save consistently for six consecutive months without any withdrawals are eligible for the grand prize draw.
    

4. Non-cash prizes are non-transferable and cannot be exchanged for cash or other items, in whole or in part.

5. All prizes and values stated are accurate at the time of printing and/or publication. Images of prizes shown in any marketing or advertising materials are for illustration purposes only and may differ from the actual prizes received.

6. Each eligible participant is entitled to one (1) entry and/or one (1) prize only under this Campaign, subject to meeting the Eligibility Criteria and compliance with the Terms and Conditions during the Campaign Period.

7. To the extent permitted by law, TH expressly disclaims any representations, warranties, or endorsements, whether express or implied, written or oral, in relation to the prizes, except where such matters arise from gross negligence or willful misconduct by TH.

1. Winners for this Campaign will be selected via a computerised draw system.

2. The winners will be announced in April 2026. Winners will be given a period of three (3) months from the announcement date to claim their prizes and activate the TH Khairat subscription via the THiJARI app (by 31 July 2026).

3. Winners must have updated their personal details in the TH system, including their current address, valid mobile number, and email address for notification and verification purposes.

4. TH will notify all selected winners to inform them of their win and to confirm their mailing address.
   Winners who cannot be contacted or fail to claim their prizes within the specified period will have their win forfeited.
    
5. TH reserves the right to request relevant documents or written proof of identification, including details regarding the winner’s age and residence, before the prize is claimed.
    
6. TH has the sole discretion to select another eligible participant to replace any winner who is deemed ineligible or disqualified for any reason without explanation during the campaign period.

1. Eligible participants are advised to read and understand the Terms and Conditions before participating in the campaign. By
   participating, eligible participants are deemed to have read, understood, and agreed to be bound by these Terms and Conditions.
    
2. To participate, eligible participants must meet the eligibility criteria. Unless stated otherwise by TH, participants do not need to sign or fill out any application forms.
    
3. By participating, eligible participants:
    
   1. Agree to allow their personal data to be collected, processed, and used by TH in accordance with TH’s Privacy Notice, as necessary for this campaign, including for marketing and promotional activities. In compliance with the Personal Data Protection Act 2010, TH will protect participants’ personal data.
       
   2. Agree that TH may publish or display their names and/or photographs in TH’s marketing media or website for campaign publicity purposes.
       
   3. Agree that TH’s decision on all matters related to this campaign, including winner selection and prize allocation through a computerised engine, is final, conclusive, and binding. No correspondence, appeals, or disputes will be entertained.
       
4. The eligible participant’s TH account must not be closed, must remain valid, and must not be frozen, subject to any legal orders
   or restrictions, during the campaign period and until prize redemption. Otherwise, the participant will be disqualified, and the prize will be forfeited.
    
5. TH reserves the sole discretion to disqualify any participant found interfering with the entry process or failing to meet the stipulated requirements and Terms and Conditions.
    
6. TH is not responsible for any tax liabilities arising from the prizes or their use. Any tax filing obligations or payments (if applicable)
   related to the prizes are the sole responsibility of the winner. Winners are advised to seek independent tax advice regarding any tax liabilities.
    
7. TH reserves the right to amend, cancel, terminate, or suspend the campaign and/or its Terms and Conditions at any time, in whole or in part, with a minimum of fourteen (14) days’ notice. Notification methods may include written notices, electronic media, branch office notices, the TH website, or any other method TH deems appropriate. Participants shall have no claims against TH for any loss or damage resulting from such changes, cancellations, terminations, or suspensions.

8. TH reserves the absolute right to replace any prize with another of equal value by notifying eligible participants at least fourteen (14) days before each scheduled schedule. Notification methods include written notices, electronic media, branch office notices, the TH website, or other methods deemed appropriate by TH.

9. The prizes in this campaign do not include additional costs such as transportation unless explicitly stated in these Terms and Conditions.

10. Winners may be invited to attend a prize-giving ceremony or similar event (if any) at a date and location determined later. Winners will bear all expenses incurred to attend the event.

11. TH is not responsible for any misinterpretation of facts, injuries, losses of life, or property damage related to the prizes won in this campaign. TH is also not liable, directly or indirectly, for any personal injury or loss resulting from participation in the campaign, acceptance or use of the prizes, travel to claim the prizes, or any other circumstances beyond TH’s control.

12. Eligible participants are advised to visit the TH website regularly to review any updates or amendments to the Terms and Conditions.

13. Eligible participants must ensure that their phone number, email, and mailing address are up to date with TH. TH is not responsible for any losses incurred due to outdated or incorrect contact information.

14. In the event of any inconsistencies between these Terms and Conditions and any promotional materials, the Terms and Conditions shall prevail.

15. These Terms and Conditions are governed by and interpreted in accordance with Malaysian law, and eligible participants agree to submit to the jurisdiction of Malaysian courts.

16. For inquiries, further information, or feedback regarding this campaign, depositors may contact TH Contact Centre at 03- 62071919 or via email at th-info@lth.gov.my.