Terms & Conditions

1. The Campaign

1.1 The Campaign is a promotional activity run by NORFH PTE LTD ("NORFH", "Five Cents", "we", "us", "our") to celebrate the launch of the Five Cents platform.

1.2 The Campaign runs from the date of publication of these T&Cs until 31 July 2026, 23:59 Singapore Standard Time (the "Campaign Period").

1.3 During the Campaign Period, eligible participants may enter to win one of two prize categories, as described in Section 3.

2. Eligibility

2.1 To participate, you must:

• Be a Singapore Citizen or Permanent Resident;
• Be aged between 21 and 67 (inclusive) at the time of entry;
• Be residing or employed in Singapore; and
• Provide valid personal contact information.

2.2 The following persons are not eligible to participate:

• Employees, directors, and immediate family members of NORFH PTE LTD;
• Employees, directors, and immediate family members of Alpha Wealth Financial Advisers Pte. Ltd. who are part of the Midas Group team;
• Existing clients of the Midas Group team at Alpha Wealth Financial Advisers Pte. Ltd. (such persons may enter the iPad draw but are not eligible for the S$10 Grab voucher, as described in Section 3.3.5); and
• Any person whose participation would, in the reasonable opinion of NORFH, be inconsistent with the spirit of the Campaign.

2.3 NORFH reserves the right to verify eligibility and to disqualify any entry that does not meet these criteria.

3. Prizes and How to Win

3.1 Eligibility Requirements

3.1.1 To qualify for either prize in this Campaign, a participant must:

• Follow the Five Cents Instagram account (@fivecents.co) during the Campaign Period;
• Complete the official Five Cents launch survey at launch.fivecents.co (the "Survey") in full, including all mandatory questions and consents.

Completing the Survey (with the Instagram follow) entitles the participant to entry in the Apple iPad Draw (Section 3.2). Attendance at the complimentary 60-minute financial wellness review (the "Financial Wellness Review") with an appointed representative of Alpha Wealth Financial Advisers Pte. Ltd. ("Alpha Wealth") from its Midas Group team is required only for the S$10 Grab voucher (Section 3.3) and is not a condition of the iPad Draw.

3.1.2 The Financial Wellness Review is a non-obligatory session with a MAS-licensed financial adviser. Participants are under no obligation to purchase any financial product or to engage Alpha Wealth for any further services.

3.1.3 No purchase, payment, or product commitment is required to qualify for either prize. Participation in the Financial Wellness Review is a qualifying step for the S$10 Grab voucher only and does not require any financial transaction.

3.1.4 You may enter the Apple iPad Draw on completing the Survey, whether or not you attend the Financial Wellness Review. To arrange the Review, your contact details will be disclosed to Alpha Wealth Financial Advisers Pte. Ltd.; attendance is optional and is the qualifying step for the S$10 Grab voucher only.

3.1.5 Each eligible participant is entitled to one (1) entry across the Campaign. Multiple entries by the same person will be reduced to a single entry.

3.2 Prize 1 — The Apple iPad Draw

3.2.1 One (1) winner will receive an Apple iPad (A16), 11-inch, Wi-Fi, 128GB, Silver (2025), with a recommended retail value of approximately S$499.

3.2.2 The winner will be selected via a random draw conducted by NORFH within the first week of August 2026 using a verifiable random method (such as random.org). The entire draw process, including the eligibility list, randomisation, and result, will be video-recorded by NORFH and the recording retained for two (2) years to provide a verifiable audit trail. Only participants who have satisfied all requirements in clause 3.1.1 by the close of the Campaign Period will be eligible. Attendance at the Financial Wellness Review is not required for eligibility in the iPad Draw.

3.2.3 The winner will be notified within 48 hours of the draw via Instagram direct message and email. The winner has seven (7) days from the date of notification to confirm acceptance and provide verification of identity (NRIC number only, used for verification and deleted within 30 days).

3.2.4 If the winner does not respond within seven (7) days, or fails to meet eligibility verification, NORFH reserves the right to forfeit the prize and conduct a redraw.

3.2.5 The iPad prize is non-transferable, non-refundable, and may not be exchanged for any other value.

3.3 Prize 2 — The S$10 Grab Voucher

3.3.1 Eligible participants who complete the Financial Wellness Review will receive a S$10 Grab voucher as a token of appreciation for their time.

3.3.2 The S$10 Grab vouchers are made available in limited quantities and distributed on a first-come-first-served basis, based on the timestamp at which the Alpha Wealth representative marks the Financial Wellness Review as completed within NORFH's records. The total number of available vouchers will be determined by NORFH prior to the Campaign Period and may be capped based on operational considerations.

3.3.3 Once the cap is reached, no further S$10 Grab vouchers will be issued for the remainder of the Campaign Period, regardless of subsequent qualifying participation.

3.3.4 The S$10 Grab voucher will be delivered electronically (via the participant's chosen contact channel) within six (6) to eight (8) weeks of the Financial Wellness Review's completion.

3.3.5 Existing clients of the Midas Group team at Alpha Wealth are not eligible for the S$10 Grab voucher, in order to preserve the integrity of the introducer arrangement.

3.3.6 The S$10 Grab voucher is limited to one (1) per household.

3.3.7 The S$10 Grab voucher is non-transferable and may not be exchanged for cash or other value.

3.3.8 The Financial Wellness Review does not require, and is not conditional upon, the purchase of any financial product. NORFH and Alpha Wealth strictly prohibit any representation that voucher entitlement is conditional on product purchase.

4. NORFH's Role and Regulatory Status

4.1 NORFH operates the Five Cents platform under the introducer exemption set out in Regulation 31 of the Financial Advisers Regulations (Singapore).

4.2 NORFH is not licensed to provide financial advice under the Financial Advisers Act and does not provide financial advice, product recommendations, or any service that constitutes "financial advisory services" as defined in the Financial Advisers Act.

4.3 NORFH may be remunerated by participating financial advisers (including Alpha Wealth) for its introducer service, decoupled from any sales outcome. This is to ensure that NORFH's role as introducer is not aligned with sales conversion.

4.4 As part of Campaign participation, NORFH will introduce the participant to the appointed representative of Alpha Wealth Financial Advisers Pte. Ltd. for the Financial Wellness Review. The Financial Wellness Review and any subsequent advisory activity will be conducted by Alpha Wealth, not by NORFH.

5. Personal Data

5.1 Your personal data is collected, used, and disclosed in accordance with the Five Cents Privacy Policy available at launch.fivecents.co/privacy.

5.2 By participating in the Campaign, you consent to:

• NORFH collecting, using, and storing your personal data to administer the Campaign and to inform Five Cents' content direction;
• NORFH disclosing your contact details and relevant survey responses to Alpha Wealth Financial Advisers Pte. Ltd. (MAS Reg. No. 200606266H) for the sole purpose of arranging your Financial Wellness Review.

5.3 You may withdraw your consent at any time by emailing hello@norfh.com. Withdrawal of consent may affect your ability to receive any prize or further communications relating to the Campaign.

6. Conduct of the Lucky Draw

6.1 The Apple iPad Draw is conducted as a promotional lucky draw and is exempt from the licensing requirements of the Gambling Control Act 2022 by virtue of:

• No entry fee or purchase being required;
• The Campaign being a bona fide promotional activity; and
• The total prize value being within the threshold for promotional lucky draws.

6.2 The draw will be conducted by NORFH within the first week of August 2026 using a verifiable random method. The entire draw process will be video-recorded to provide a verifiable audit trail. NORFH will retain the recording and all related draw records (eligibility list, randomisation certificate, winner notification, prize acceptance) for a period of two (2) years.

6.3 Winner details (first name and partial surname) may be announced via Five Cents' Instagram account and other Five Cents channels, with the winner's consent.

7. Disqualification and Forfeiture

7.1 NORFH reserves the right to disqualify any entry where:

• The participant does not meet the eligibility criteria;
• The entry is fraudulent, duplicate, or otherwise non-compliant with these T&Cs;
• The participant fails to respond to notification within the required timeframe; or
• Participation would, in NORFH's reasonable opinion, bring the Campaign or Five Cents into disrepute.

7.2 Disqualified entries forfeit all rights to any prize, and NORFH may conduct a redraw or otherwise reallocate the prize at its discretion.

8. Changes to the Campaign

8.1 NORFH reserves the right to amend these T&Cs, suspend, or terminate the Campaign at any time, where reasonably necessary, including for reasons relating to legal compliance, technical issues, or events outside NORFH's control.

8.2 Any material amendments will be posted at launch.fivecents.co/terms. Continued participation in the Campaign following such amendments constitutes acceptance of the amended T&Cs.

9. Limitation of Liability

9.1 To the maximum extent permitted by Singapore law, NORFH, Alpha Wealth, and their respective directors, employees, and agents shall not be liable for:

• Any loss or damage arising from participation in the Campaign;
• Any inability to participate due to technical issues, internet connectivity, or other circumstances outside NORFH's reasonable control;
• The conduct of any participant; or
• The performance of the Financial Wellness Review (which is provided by Alpha Wealth in its capacity as a licensed FA and is subject to Alpha Wealth's own terms of engagement).

9.2 Nothing in these T&Cs limits or excludes any liability that cannot be limited or excluded under Singapore law.

10. Governing Law

10.1 These T&Cs are governed by the laws of the Republic of Singapore.

10.2 Any dispute arising out of or in connection with these T&Cs shall be subject to the exclusive jurisdiction of the courts of Singapore.

11. Contact

For any questions, concerns, or to exercise rights under these T&Cs:

NORFH PTE LTD
Email: hello@norfh.com
Data Protection Officer: hello@norfh.com
Registered office: 95C Circuit Road, Singapore 373095