The campaign runs from 22 March to 30 September 2025.

1. Open to all TH depositors aged 18 years old and above.
    
2. Must make an additional deposit of at least RM1,000 AND no withdrawal transactions during the campaign period.
    
3. Must have registered for Hajj or have already performed Hajj.
    
4. Permanent TH employees and those working under a service contract or apprenticeship (including Management Trainees), as well as their immediate family members (spouse and children), are not eligible to participate in this campaign.

1. The prizes for this campaign are as follows (Prizes):
    

   5 x GRAND PRIZES Umrah package worth RM10,000.00 5 x SECOND PRIZES Overseas travel package worth RM10,000.00 1 x THIRD PRIZES Electric scooter motorcycle 4 x FOURTH PRIZES Branded tablets 10 x CONSOLATION PRIZES 1 gram gold wafer



2. TH reserves the right to substitute cash prizes with non-cash prizes. Non-cash prizes are non-transferable and cannot be exchanged for cash or other items, either in whole or in part.
    
3. All prizes and their stated values are accurate at the time of printing and/or publication. Images of the prizes displayed in any marketing and advertising materials are for illustration purposes only and may differ from the actual prizes received.
    
4. Each eligible participant is entitled to enter more than one (1) draw and/or win multiple prizes in this campaign if they meet the eligibility criteria and comply with the Terms and Conditions during the campaign period.
    
5. To the extent permitted by law, TH explicitly excludes and disclaims any representations, warranties, or endorsements, whether express or implied, written or verbal, regarding the prizes, except where such representations arise due to TH’s extreme negligence or intentional misconduct.

1. The winners of this Campaign will be selected based on the first 250 eligible participants according to the time of transaction with the stated additional savings amount.
    
2. The winners must have updated their latest personal information in the TH system, including current address, mobile phone number, and a valid email address for notification and verification.
    
3. TH will contact all selected winners to inform them of their win and confirm their address. Winners who cannot be reached via phone call or fail to claim their prize within the stipulated time will have their win forfeited.
    
4. TH reserves the right to request relevant documents or written proof of identification, including information regarding the winner’s age and place of residence, before the winner claims the Prize.
    
5. TH at its sole discretion, reserves the right to select another Eligible Participant to replace any winner who is ineligible or disqualified from this Campaign and/or the Prize for any reason without justification throughout 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 an automated draw 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 draw. 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.