Reward means any goods, services, benefits, arrangements or other privileges (including, without limitation, miles on participating airline frequent flyer programs, payment of annual Cardmembership fees or rebate), as may be determined by the Bank in its reasonable discretion, which may be redeemed or obtained by the use of Points under the Program; and S$ means the lawful currency of the Republic of Singapore.
Improve means to build, alter, repair, or demolish an improvement upon, connected with, or beneath the surface of any real property, to excavate, clear, grade, fill, or landscape any real property, to construct driveways and roadways, or to perform labor upon improvements.
Watertight in relation to a structure means capable of preventing the passage of water through the structure in any direction under a head of water for which the surrounding structure is designed;
Incentives means those payments made by the Program Administrator to Customers pursuant to the Program and these Terms and Conditions.
Critical or Security Incident refers to incidents that require immediate resolution as they prevent users from using the service and affects the confidentiality, integrity, and availability of mission-critical system such as unauthorized access, system hack, data loss, data leak, or else.