1. Muang Thai Smile Club members redeem Smile Points via MTL Click Application from 1 February 2025 – 20 December 2025 (or until fully redeemed) and Use the privilege from 1 February 2025 – 31 December 2025
2. A member can redeem the points for up to 10 privileges/item/person throughout the campaign.
3. Members can keep the code they used to redeem points at ""My Coupon Menu"" on the MTL Click Application, Until the end of the program term. or delete used coupon after using the code successfully.
4. The members can use the given code to buy investment units in mutual funds for an account opened via MTL MyFund only by entering the code in the “Discount Code” field.
5. Members can redeem the points and use the code together with QR code payment to buy investment units in mutual funds.
6. The Company reserves the right to refrain from receiving invalid or expired or used code in all cases.
7. The Company reserves Reward points cannot be combined or transferred. and will not return the accumulated points that have been used in all cases
8. The company reserves the right not to exchange for cash. or can be used in conjunction with other promotional activities
9. Accumulated Smile Points are only a symbol used for claiming the privilege to participate in Muang Thai Smile Club activities which are arranged for building relations with customers who apply for Muang Thai Smile Club membership.    
10. Conditions of the point redemption are as specified by Muang Thai Life Assurance.
11. For more information, please call Tel. 1766 Muang Thai Life Assurance, every day 24/7.

1. The right is reserved for Muang Thai Smile Club members who open a fund account to buy investment units via MTL MyFund
 - during 1-28 February 2025 they are entitled to receive a 200-Baht Starbucks e-Coupon 
- during 1 March – 31 December 2025 they are entitled to receive a 100-Baht Starbucks e-Coupon
2. Muang Thai Life Assurance PCL will deliver the Starbucks e-Coupon to the email address you registered in MTL MyFund. The Company will deliver the Starbucks e-Coupon in 2 rounds. The first round is for the members who open a new fund account via MTL MyFund and use the code to buy investment units via MTL MyFund during 1 February 2025 – 30 June 2025. The e-Coupon will be delivered within 30 days from 30 June 2025. The second round is for the members who open a new fund account via MTL MyFund and use the code to buy investment units via MTL MyFund during 1 July 2025 – 31 December 2025 The e-Coupon will be delivered within 30 days from 31 December 2025. 
3. A member is entitled to receive 1 Starbucks e-Coupon, limited to 3,000 privileges throughout the campaign.