TERMS AND CONDITIONS

TERMS AND CONDITIONS APPLICABLE FOR NTUC AND SIGN-UP GIFTS ISSUED BY NTUC:
1. Valid only for new^∓ and approved applicants who sign up online with NTUC at https://www.ntuc.org.sg from 12 November 2023 to 31 December 2023.
^∓ New members shall mean applicants who are not existing members.

2. New member(s) will be eligible for either of the following gifts (each a "Gift"), upon:-
(i) payment of the relevant upfront NTUC Membership fees for a stipulated period (hereinafter referred to as the "Initial Paid Months"), which fees are non-refundable; and
(ii) activation of recurring payments or deductions for his/her NTUC Membership fees
• 3 months of upfront payment of NTUC Membership fees - 2,000 Linkpoints (worth S$20); or
• 12 months of upfront payment of NTUC Membership fees - One (1) free American Tourister Twist Waves Spinner 20" luggage bag (worth S$200)

3. Upon the expiry of the Initial Paid Months (as set out in the table above), the new Member shall have to pay for all his/her subsequent NTUC Membership fees of S$9/month. NTUC Membership fees shall be imposed or charged to the Member’s preferred mode of payment, including but not limited to, Trust cards or other credit card(s)/debit card(s) issued by other banks or FAST (Fast and Secure Transfer, for DBS and POSB accounts only) on a monthly recurring basis.

Eligible members will be notified via an SMS on the collection or crediting of the Gift to their relevant accounts (as the case may be) within 4 weeks from the date of their application for the NTUC Membership. While stocks last.

4. This promotion is not in conjunction with other ongoing promotions. This promotion is only applicable to Unions and union members participating in the General Branch (GB) programme. NTUC reserves the right in its sole and absolute discretion to amend the terms and conditions set out herein, and/or replace the Gift(s) with one or more item(s) or gifts of equivalent value (such value to be determined by NTUC in its sole and absolute discretion) without having to give any prior notice or reason for such replacement. In the event of a dispute, NTUC's decision is final.

5. Union Membership is open to persons above 16 years of age with valid NRIC/FIN number, except personnel from Singapore Police Force, Singapore Prison Service, Civil Defence Force, Singapore Armed Forces, Narcotics Service or Auxiliary Police bodies (Certis Cisco, Aetos and SATS), and foreign domestic workers. Please note that the NTUC Union Membership fee is $117 per annum ($9 per month from Jan-Nov & $18 in Dec).

6. By signing up for the Membership, you are deemed to have consented to the above Terms and Conditions and NTUC's personal data protection policies.

7. 1 Million Linkpoints Monthly Lucky Draw promotion valid till 31 December 2023. Terms and conditions apply. Read full list of terms and conditions here.

^ FairPrice Members will receive benefits in the form of Linkpoints when making purchases at FairPrice Group outlets island-wide (including FairPrice, FairPrice Finest, FairPrice Xtra, FairPrice Xpress, Warehouse Club and Unity Pharmacies but excluding Cheers, Foodfare and Kopitiam outlets) and FairPrice online.
This benefit is given in two portions:
a) A 2% upfront of their purchases (up to a cap of S$6,000 annually) in Linkpoints at point of purchase.
b) Additional patronage rebates^†, which will be disbursed in Linkpoints for their spend in the following year as approved at the Annual General meeting.
Please present the FairPrice App, Plus! card or your Plus! QR code in MyNTUC app to the cashier if you are shopping at the physical stores. For online shopping, or payment via FairPrice app at physical stores, please ensure your Plus! membership is linked with your FairPrice online account before checkout.
To be eligible for FairPrice member benefits and dividends, you must sign up as a FairPrice member through the subscription of 20 shares at S$1 each and a one-time non-refundable entrance fee at S$3.
Alternatively, you can sign up under the Join-Now-Pay-Later scheme, where FairPrice will accumulate the value of the member benefits to offset the value of the shares and entrance fee ($23) in full before you start receiving the upfront component (i.e. 2% upfront of their purchases in Linkpoints) and patronage rebates^† from your membership benefits.
^† Subject to approval at Annual General Meetings of the co-operative. ^± Terms and conditions apply, available through MyNTUC app only. Insurance plans are underwritten and issued by Income. Protected up to specified limits by SDIC. This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at 21 August 2023.

^# For more information, visit e2i.sg/utapmembers.

^‡ Terms and conditions apply. Promotion valid until 31 December 2023. Visit www.ntuclearninghub.com/lxp for more details.

* Terms and conditions apply. Visit ntucmembership.sg for more information.

- FairPrice Group Spend includes spends at FairPrice, FairPrice Finest, FairPrice Xtra, FairPrice Xpress, FairPrice Online, Warehouse Club, Unity and Cheers stores (excluding FairPrice Xpress and Cheers outlets located within Esso stations) and participating stalls at Kopitiam outlets and Kopitiam Card top-up.

TERMS AND CONDITIONS APPLICABLE FOR TRUST BANK AND SIGN-UP GIFTS ISSUED BY TRUST BANK:
^ Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law.

1. Terms & conditions apply. Visit Trust website for more details. NTUC Link Credit/Debit Card is exclusive to NTUC Union Members.
2. Promotion is valid from now to 31 December 2023. Terms and conditions apply. Visit ntuc.co/trustbank for more details.
3. One (1) S$10 FairPrice Group E-Voucher will be issued upon successful sign up with referral code "MSD00001", and one (1) S$25 FairPrice Group E-Voucher will be issued when you either make your first card spend as a Trust credit card customer or you make your first S$500 deposit with Trust, within 90 days of approval of your first Trust credit card or first Trust savings account respectively. You are entitled to a maximum of S$35 of FairPrice Group E-vouchers. Sign-up gifts will be issued via Trust App (visit Rewards > Coupons > Saved/Awarded for more details).
4. Receive (six) 6 x S$6 off S$60 fuel coupons for Caltex Techron® fuels. Coupon T&Cs apply.

Gifts for NTUC Members who likewise register as Trust Bank cardholders:
5. If you have signed up for NTUC union membership between 1 November 2023 and 31 December 2023, and have also signed up for Trust Bank by 31 December 2023 (inclusive), one (1) S$15 FairPrice Group E-Voucher will be issued in your Trust app within 45 days after the campaign end date, valid for the first 7,000 applicants. Existing Trust cardholders are eligible for this promotion.

Information on your Trust card if your NTUC Union Membership application is successful
6. If you receive/have received confirmation from NTUC by the 18th of the given month for your successful NTUC Union membership sign up, Trust will update your NTUC Union membership status in our records within the same month. Note that in exceptional circumstances, Trust may take up to 60 days to update your NTUC Union membership status in our records from when Trust first learnt about your NTUC Union membership status change.
7. Once your NTUC Union membership status is updated at Trust, your digital card face in the Trust app will be updated to the NTUC Link Credit/Debit card face. Your card details will remain the same, as Trust does not want any of your recurring payments and card on file payments to be declined.
8. However if you would like a new physical card, you can request for a lost card replacement via the Trust app. Note that your card details will be affected after a lost card replacement.
9. Once your digital card face in the Trust app has been updated to the NTUC Link Credit/Debit card face, your NTUC Link Credit/Debit card benefits will start from the 1st day of the subsequent month. You will also receive an eDM from Trust that your NTUC Link Credit/Debit Card benefits is effective.

Trust Bank’s General Terms & Conditions apply, visit trustbank.sg for more information.