Terms and conditions: The Promotion is open to new and existing non-individual customers, unless notified otherwise. For the avoidance of doubt, non-individual Customers refer to sole proprietors, partnerships, limited liability partnerships and private limited companies (non-manufacturing SMEs) where annual sales turnover is Ringgit Malaysia Five Million (RM5 million) and below. All TT transactions must be made in Ringgit Malaysia and converted at HLB’s prevailing exchange rate. The participation in the Promotion is subject to the terms and conditions stated herein and the Terms and Conditions stated in HLB’s Remittance Application Form. The TT funds are to be debited from any HLB account of the HLB’s Customers in order to participate in this Promotion. Cash transactions performed over the counter, i.e. where the HLB Customer’s HLB account has not been debited for the TT transaction i.e. cash TT performance over the counter are not eligible for this Promotion. HLB staff are not eligible for this Promotion.