Terms and Conditions of KDI Campaigns

“KDI INVEST MANAGEMENT FEE REBATE PROGRAMME”
(“TERMS AND CONDITIONS”)

1. The KDI Invest Management Fee Rebate Programme (“Programme”) is open to all existing fee-paying customers of KDI Invest as at 16 January 2026 (“Effective Date”). This Programme is not applicable to any customer who signs up with KDI after the Effective Date.

2. The Programme shall take place from 16 January 2026 to 16 April 2026 (“Programme Period”), both
dates inclusive.

3. For the purposes of these terms and conditions, “Kenanga” refers to Kenanga Investment Bank Berhad and its related companies; “KDI” refers to the digital investment management services provided by Kenanga Investment Bank Berhad known as Kenanga Digital Investing; “KDI Invest” refers to the exchange traded funds portfolio available on KDI.

4. By participating in this Programme, the participants agree to, and accept these Terms and Conditions.

Programme Mechanics

5. To be eligible, a participant must:

(a) be an existing KDI Invest fee-paying customer as at the Effective Date;

(b) have a minimum Assets Under Management (“AUM”) of RM10,000 in their KDI Invest account as of the Effective Date (“Minimum AUM Requirement”);

(c) not make any withdrawals or transfers from their KDI Invest account, regardless of amount, at any time during the Programme Period;

(d) maintain an amount equivalent to the Minimum AUM Requirement in their KDI Invest account throughout the Programme Period.

6. Participants who complete all the steps set out in Paragraph 5 above (“Eligible Participants”) will be entitled to receive a rebate being an an amount equivalent to the management fees applicable to the existing portfolio of the Eligible Participant, including any fees on all additional deposits made during the Programme Period, but shall exclude any tax and disbursements (“Rebate”).

7. For the avoidance of doubt, at the end of the Programme Period, if the Minimum AUM Requirement has diminished in value due to investment losses, an Eligible Participant will still be entitled to the Rebate.

8. The Rebate will be credited into the Eligible Participant’s KDI Invest account within sixty (60) calendar days from the last day of the Programme Period, or such date as may be determined by Kenanga at its sole discretion.

General Terms and Conditions

9. Kenanga reserves the right to make changes to these Terms and Conditions at any time.

10. Kenanga reserves the right to conduct further verifications and request for supporting documents from any participant.

11. Kenanga reserves the right to disqualify or withdraw a participant’s eligibility to participate in the Programme at any time.

12. The decisions regarding the Programme shall be made at the sole and absolute discretion of Kenanga, of which are final and binding and no such queries, appeals and/or correspondences will be entertained.

13. Kenanga reserves the right to cancel, shorten, extend, suspend or terminate the Programme at any time, and the cancellation, extension, suspension or termination of the Programme shall not entitle a participant to claim any compensation from Kenanga for any and all losses or damages suffered or incurred by a participant as a result of the said cancellation, extension, suspension or termination.

14. In the event an Eligible Participant fails to comply with any terms and conditions of this Programme, Kenanga may in its sole discretion disqualify the participant from receiving any Rebate under this Programme.

15. Kenanga shall not be liable for any claim made by a participant or for third-party claims or losses of any nature, including but not limited to, loss of profits, punitive, indirect, special, incidental, or consequential damages or for other damages and any related claims of any nature, including direct, indirect, third party, consequential or other damages resulting from or in connection with this Programme.

16. Kenanga shall not be liable for loss or damage to property or any personal injury or loss of life resulting from or in connection with this Programme.

17. The participant acknowledges and agrees that Kenanga reserves the right to disqualify participant’s participation in the Programme if (i) the participant is found or suspected of tampering with the Programme mechanics or the operation of the Programme; (ii) the participant is found or suspected of undertaking fraudulent activities or other activities harmful to the Programme; or (iii) the participant is in breach of its obligations or any terms and conditions of this Programme or the terms and conditions set out in Paragraph 20 below. Notwithstanding the above, Kenanga reserves the right to disqualify, cancel, reject any participation, and to cancel, withdraw or recall any reward(s) granted at its sole and absolute discretion without assigning any reasons whatsoever. Kenanga shall have the right to initiate any action deemed necessary against the said participant.

18. Kenanga does not take any responsibility in the event a participant is prevented from participating in the Programme as a result of certain technical restrictions or other limitations specific or force majeure including but not limited to regulatory and/or government directive, act of God etc.

19. By participating in the Programme, the participants agree to receive Programme and informational communications from Kenanga, including emails, SMS, or other forms of communication.

20. This Programme is subject to the general terms and conditions available at:

(a) KDI Platform Agreement: https://digitalinvesting.com.my/platform-agreement/
(b) Account Opening Agreement: https://digitalinvesting.com.my/account-opening-agreement/
(c) KDi GO Platform Agreement: https://getkdigo.com/terms-and-conditions/

21. In the event of any discrepancies, the terms and conditions set out in Paragraph 20 above shall prevail.