InternalTravelShiok Promotion Terms and Conditions
1. Income Insurance Limited (“Income Insurance”) is offering the following
promotion(s) (the “Promotion”) subject to these Terms and Conditions:
The Promotion is a discount for new application of the Qualifying Policies (asdefined below) submitted via Trust app or website. The Promotion discount may
vary, please refer to the Trust app for the prevailing discount.
2. A customer shall be eligible to enjoy the Promotion with the purchase of any
TravelShiok Standard Essential Per-trip or Yearly plan, Standard Advantage Per-tripor Yearly plan, and Standard Ultimate Per-trip or Yearly plan (collectively“Qualifying Policies” and each a “Qualifying Policy”).
3. Applications for Qualifying Policies must be submitted to Income Insurance from 15
August 2024 to 31 December 2025, both dates inclusive (the “Promotion Period”),
and premium payment must be successfully received by Income Insurance during
the Promotion Period for the customer to be eligible to enjoy the Promotion.
4. A customer may not enjoy this Promotion in conjunction with any other promotion
and/or incentive offered by Income Insurance.
5. The Promotion does not affect or change any term, condition and exclusion of thepolicy contract of the Qualifying Policies issued. The precise terms, conditions andexclusions of the Qualifying Policies are specified in their respective policy
contracts.
6. An administrative charge of $10.90 (inclusive of 9% GST) will apply to any
endorsement (what we consider a change) made to any Qualifying Policies issued
under this Promotion. This administrative charge is in addition to any extra
premiums which you will have to pay for making changes to the Qualifying Policies
such as extending the period of insurance or adding a new insured person.
7. An administrative charge of $10.90 (inclusive of 9% GST) will also apply forcancellation of any Qualifying Policies issued under this Promotion. Thisadministrative charge includes the prevailing administrative charge stated in thepolicy conditions of the relevant Qualifying Policy for cancellation of policy. There is
no premium refund for Qualifying Policies which are cancelled after the start date of
the relevant Qualifying Policy.

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8. A customer and the insured persons are not eligible for this Promotion if thecustomer cancels any existing TravelShiok policy and purchases the Qualifying
Policies for the same trip duration and destination.
9. Under no circumstances shall Income Insurance be liable to any customer or party,
whether in contract, tort (including negligence) or otherwise, for any liabilities,losses, damages, claims, costs and expenses (including any special orconsequential damages or losses) in connection with, related to or resulting fromthe Promotion.
10. Income Insurance reserves the right to vary/amend the terms and conditions of thisPromotion at any time without prior notice to customers.
11. Income Insurance’s decision on all matters relating to this Promotion shall be final,conclusive and binding. No appeals will be entertained.
12. The Promotion is not exchangeable for cash or any benefit in kind.

These Qualifying Policies are underwritten and issued by Income Insurance.
The precise terms, conditions and exclusions of the Qualifying Policies can be foundat https://trustbank.sg/insurance/travel-insurance/.
All of Income Insurance’s products are developed to benefit their customers but not all
their products may be suitable for your specific needs. If you are unsure if a product issuitable for you, Income Insurance strongly encourages you to speak to a qualified
Income Insurance advisor. Otherwise, you may end up purchasing a product that does
not meet your expectations or needs. As a result, you may not be able to afford thepremiums or get the insurance protection you seek.
This policy is protected under the Policy Owners’ Protection Scheme which isadministered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for yourpolicy is automatic and no further action is required from you. For more information onthe types of benefits that are covered under the scheme as well as the limits ofcoverage, where applicable, please contact Income or visit the GIA/LIA or SDIC
websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)
Trust Bank’s General Terms and Conditions apply. Find it in your Trust App at Profile >Legal > General Terms and Conditions.
The Terms and Conditions of the Promotion were published on 15 August 2024.

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Apple AirTag TravelShiok Promotion (this "Promotion") Terms and Conditions
a. All Trust Credit/Debit Cardmembers who successfully purchased any of thefollowing Income Insurance Limited’s (“Income”) TravelShiok policies (i)Standard and PreX Essential Yearly plan; (ii) Standard and PreX Advantage
Yearly plan; and/or (iii) Standard and PreX Ultimate Yearly plan (each a“Qualifying Policy” and collectively the “Qualifying Policies”) through the Trust
app or website for the period from 15 August 2024 to 31 October 2024 (bothdates inclusive) (the “Promotion Period”) will be eligible to receive an Apple
AirTag (“Gift”) for each Qualifying Policy purchased subject to these terms andconditions in addition to any existing Yearly Travel Insurance promotions
offered by Income (“Existing Discount”). The Existing Discount may vary
according to the prevailing discount rate. For more information regarding thediscount rates, please refer to Trust app for the latest promotion discount.
b. To be eligible to receive the Gift:i.

New policy applications must be submitted through the Trust app or
website during the Promotion Period;ii.

Premium payment must be successfully received by Income during thePromotion Period.

c. Eligible customer will receive a coupon in their Trust app under Rewards withinsixty (60) days from the date of submission of the Qualifying Policy. The coupon
will contain details of the participating locations to collect the Gift.
d. The Gift is limited to the first 200 valid redemptions during the Promotion
Period. Trust shall decide on the eligibility of the redemptions in its sole
discretion and its decision is final.
e. All of Income’s Travel Insurance Standard Per-trip plans and PreX Per-trip plans
are not eligible for this Promotion.
f. An administrative charge of $10 (subject to the prevailing GST, i.e., $10.90 @9% GST from year 2024) will apply to any endorsement (what we consider achange) made to any Qualifying Policies issued under this Promotion. Thisadministrative charge is in addition to any extra premiums which you will haveto pay for any changes to the Qualifying Policies such as extending the period
of insurance or adding a new insured person.
g. An administrative charge of $10 (subject to the prevailing GST, i.e., $10.90 @9% GST from year 2024) will also apply for the cancellation of any QualifyingPolicies issued under this Promotion. This administrative charge includes theprevailing administrative charge stated in the policy conditions forInternalcancellation of policy. There is no premium refund for Qualifying Policies
which are cancelled after the start date of the policy.
h. An additional charge of $50 will apply for the cancellation of any Qualifying
Policies issued under this Promotion if you have redeemed the Gift. The charge
will be deducted from your Trust Credit Card or Trust Savings Account.
i.

This Promotion is only applicable to Singaporeans, Permanent Residents ofSingapore and holders of a valid Singapore employment pass, work permit
pass, long term visit pass and student pass.

j.

The Gift is not exchangeable for cash or any benefit in kind.

k. No joint venture, sponsorship, tie up, agency or any other relationship is
intended or created between Income and Trust Bank pursuant to thisPromotion. Neither is this Promotion intended or deemed to be a connection
with or use of the brand name of any party or its products/services.

IMPORTANT NOTES

These Qualifying Policies are underwritten and issued by Income Insurance.

The precise terms, conditions and exclusions of the Qualifying Policies can be foundat https://trustbank.sg/insurance/travel-insurance/.

All of Income Insurance’s products are developed to benefit their customers but not all
their products may be suitable for your specific needs. If you are unsure if a product issuitable for you, Income Insurance strongly encourages you to speak to a qualified
Income Insurance advisor. Otherwise, you may end up purchasing a product that does
not meet your expectations or needs. As a result, you may not be able to afford thepremiums or get the insurance protection you seek.

This policy is protected under the Policy Owners’ Protection Scheme which isadministered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for yourpolicy is automatic and no further action is required from you. For more information on
the types of benefits that are covered under the scheme as well as the limits ofInternal

coverage, where applicable, please contact Income or visit the GIA/LIA or SDIC
websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)
Trust Bank’s General Terms and Conditions apply. Find it in your Trust App at Profile >Legal > General Terms and Conditions.
Information is correct as of 15 August 2024.