1. Campaign will be held from 16.11.2023  to 31.12.2023.
2. Cardholders who uses KBZ Bank Debit Card and KBZ Bank Credit Card (VISA, MPU-UnionPay, and MPU) for payment at selected merchants will be able to participate in the Campaign.
3. To participate in the Campaign:

3.1 Cardholders who makes any transaction using KBZ Bank Debit Card and KBZ Bank Credit Card (VISA, MPU-UnionPay, and MPU) at participating Merchants (with KBZ POS machine) during the Campaign period will automatically be eligible to participate in the Campaign.

3.2 For one (1) time payment transaction with KBZ Bank Debit Card and KBZ Bank Credit Card (VISA, MPU-UnionPay & MPU), one (1) lucky chance will get.  Therefore, the more transactions you make, the higher your chances of winning in the Campaign.

4. The following prizes will be included in the Campaign:

Cash prizes for the Campaign period from 16 November 2023 to 30 November 2023

Cash awards for the Campaign period from December 1, 2023 to December 31, 2023

5. The participating Merchants are: 

No	Merchant Name	City
1	Hotel SS Aung Ban	Aung Ban
2	Mya Setkyar Lotus	Inle/ Nyaung Shwe
3	Khit Sunn Yin	Inle/ Nyaung Shwe
4	Novotel Inle Lake	Inle/ Nyaung Shwe
5	Pyae Thar Tun Padaung Traditional	Inle/ Nyaung Shwe
6	Kalaw Heritage Hotel	Kalaw
7	Thu Maung Restaurant	Kalaw
8	Pine Hill	Kalaw
9	My House Restaurant	Taunggyi
10	UCT Taunggyi Hotel	Taunggyi
11	Jasmine Taunggyi Hotel	Taunggyi
12	Yamazaki Sushi and Japanese Restaurant	Taunggyi
13	Ngwe San Eain	Taunggyi
14	Taung Chune Restaurant	Taunggyi
15	AYETHARYA SUNSET WINE GARDEN	Taunggyi
16	Hotel Htein Tha	Taunggyi
17	Café Kalaw	Kalaw
18	126 Bar	Kalaw
19	Chill Bar	Kalaw
20	Moul Kham 2	Nyaung Shwe
21	Sein Ngwe Hlyan	Nyaung Shwe
22	Ngwe Zin Yaw Mart	Nyaung Shwe
23	SMY Rooftop Bar	Taunggyi
24	Bar Min Land	Taunggyi
25	Shwe Kyun	Taunggyi
26	Saya U Nyunt Wai kyay oh	Taunggyi
27	Branded Fashion	Taunggyi
28	Kg Loon Hotel	Taunggyi
29	The Upper House Café	Taunggyi
30	My Secret Café	Taunggyi
31	Heart Beats Bar and Restaurant	Taunggyi
32	City View Restaurant	Taunggyi
33	Royal Nadi Resort	Nyaung Shwe
34	Hotel Maine Li	Nyaung Shwe
35	Ngapali Seafood	Taunggyi

6. The winners  will be announced on KBZ Bank’s Facebook Official Page (with blue mark) and Official Website after the end of this Campaign period. The winners must acknowledge and agree that KBZ Bank may use the winner’s name and phone number (not the full phone number) to announce on social media and on the website.
7. Winners will also be notified through SMS from KBZ Bank. The SMS message will include the prize won by the winner. 
8. KBZ Bank employees will not contact participants in the Campaign to ask for OTP or PIN.
9. The cash prize amount will be credited to the bank account linked to the Card (KBZ Bank Debit Card or KBZ Bank Credit Card (VISA, MPU-UnionPay, and MPU)) of the winner within (10) business days from the date of announcement of the winners on KBZ Bank’s Facebook Official Page (with blue mark) and Official Website. The winner will receive a SMS from KBZ Bank after the cash prize amount has been transferred. The time of announcing the winners and the date for receiving the cash prizes may vary due to public holidays or circumstances beyond KBZ Bank’s control.
10. Winners are not allowed to exchange, transfer, or exchange their prizes as cash. If any issues arise after winners receive their prizes, KBZ will not be held responsible.
11. Customers are strictly forbidden to cheat in any other form or manner during this Campaign. KBZ Bank has the right to cancel and/or ban any Customer who is suspected to be cheating in any form and/or manner.
12. In the event of any dispute arising between KBZ Bank Customers and KBZ Bank regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZ Bank without any prejudice to the statutory rights of the Customers.
13. KBZ Bank, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
14. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
15. All normal KBZ Bank Card Terms and Conditions and the Terms and Conditions of Merchant shops shall also apply.
16. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
17. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions during those circumstances.
18. These Terms and Conditions are made both in English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.