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| 1. | Conditions of Play

| (a) | Applicable to all Principal Visa Signature cardholders.

| | (b) | Discounted Access is valid from now to 31 December 2009.

| | (c) | Principal Visa Signature cardholders enjoy discounted green fees to 500 golf clubs in 45 countries/regions on weekdays.

| | (d) | Principal Visa Signature cardholders enjoy discounted green fees to 100 golf clubs in 40 countries/regions on weekends.

| | (e) | There is a minimum of 3 balls per flight on weekdays and a minimum of 4 balls per flight on weekends.

| | (f) | Acceptance of all bookings/change to tee times will be at the discretion of the golf clubs and subject to availability.

| | (g) | Weekday bookings must be made at least 4 working days in advance.

| | (h) | Weekend bookings must be made at least 8 working days in advance.

| | (i) | Combination bookings are not allowed. |
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| 2. | Reservations

| (a) | A club member cannot make a booking directly at the club and transfer the confirmed tee time over to the Principal Visa Signature cardholder.

| | (b) | Golf Clubs will not entertain any correspondence/enquires and/or attempts for bookings made directly from Principal Visa Signature cardholders when they contact the Golf Clubs directly.

| | (c) | Principal Visa Signature cardholders can bring guest(s). There is no limit to the number of guest(s) but bookings are subject to availability.

| | (d) | Acceptance of all bookings/change to tee times will be at the discretion of the golf clubs and subject to availability.
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| 3. | Fees and Charges

| (a) | Discounts on Green fees for Principal Visa Signature cardholders will be absorbed by Visa.

| | (b) | Guests enjoy discounted green fee rates which are lower than walk-in green fee rates.

| | (c) | Golfers will need to pay weekend rates for bookings made on a public holiday.

| | (d) | Golf rates quoted are not inclusive of taxes and are subject to change without notice.

| | (e) | All other fees are to be borne by the Principal Visa Signature cardholder and his/her guest(s).

| | (f) | Principal Visa Signature cardholders and guests have to pay for buggy, caddie, turf mate, locker fee and insurance at normal published rates at the club where applicable.

| | (g) | There will be an administration fee of S$20 (RMB100 / RM50 / Baht400) for any changes made to the confirmed golf booking such as amendments to tee-times, change of date of play and "no show" on confirmed bookings
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| 4. | Cancellation and Changes

| (a) | Acceptance of all bookings/changes to tee times will be at the discretion of the clubs and subject to availability.

| | (b) | There will be no rain check.

| | (c) | Any changes and cancellation must be made 3 working days prior to intended tee-off data/time.

| | (d) | Cancellation fee will be charged directly to Principal cardholder card account.

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| 5. | Payment

| (a) | All payments for the Principal Visa Signature cardholder and guests must be made upon booking and charged to the Visa Signature card.

| | (b) | All charges will be made in the local currency of play.
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| 6. | Visa reserves the right to change the stipulated club with another club of the same repute.
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| 7. | Golfers must have a valid handicap.
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| 8. | The Visa Signature Golf Program is valid for golf course access only. Principal Visa Signature cardholders and their guests will not have access to the other recreational facilities at the golf club.
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| 9. | The Visa Signature Golf Program is not to be regarded as a golf club membership.
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| 10. | To the fullest extent permissible by law, each participating Principal Visa Signature cardholders releases Visa/OAAG/golf club from any claim, loss, damage, cost or expense (including any claim for legal expenses) sustained or incurred by him/her in connection with their participation in the Visa Signature Golf Program.
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