Common use of Fees and Charges Clause in Contracts

Fees and Charges. 11.1 The Cardholder shall not incur any Finance Charge(s) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 The Cardholder agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Account with the following charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances not paid in full on or before the Payment Due Date at the following rate(s) (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date next following the Payment Due Date until repayment is made in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum (1%) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made; 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder for services rendered by the Bank in respect of or arising from one or more of the following: 11.7.1 request for production of photocopy and/or original of Sales Drafts or other documents; 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s rights and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply; 11.11 The Bank shall be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in the notice described herein; 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the Cardholder.

Fees and Charges. 11.1 The Cardholder Bank shall not incur any Finance Charge(s) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank entitled to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account following fees and such Finance Charge(s) will be reflected charges in the following month’s Statement of Account; 11.2 The Cardholder agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Account connection with the following charges: 11.2.1 Subject Card. Such fees and charges shall be at such rate, in such amount and subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances not paid in full on or before the Payment Due Date at the following rate(s) (or such other rate maximum and minimum sums as may be stipulated by specified in the CNCBI Credit Card (virtual) Fees and Charges or similar schedule of charges of the Bank and/or any authority having jurisdiction over (as may be imposed, amended, supplemented, replaced or updated by the Bank from time to time), “Schedule of Charges”) from time to time. The current Schedule of Charges of the Bank will be sent to the Cardmember upon approval of his application for the Card via electronic mail and at any time upon request. (a) an annual fee for each Card, which is non-refundable, except where the Cardmember terminates his Card because he refuses to accept any variation to this Agreement; (b) a handling charge for the issuance of each replacement Card; (c) a late charge if the Cardmember fails to pay the Minimum Payment Due set out in the relevant monthly statement by the relevant Payment Due Date to be accrued on the Outstanding Balance of the amount of the Minimum Payment Due; (d) if the Cardmember fails to settle the entire amount of the Statement Balance by the stated Payment Due Date, a finance charge will apply to the daily outstanding balance based on the monthly flat rates for retail transaction (“Standard Monthly Rate”) as specified in the Schedule of Charges starting from and excluding the statement date of the preceding monthly statement (“Last Statement Date”) until outstanding Statement Balance is settled in full. All new transactions posted after the Last Statement Date will also be subject to the finance charge. The finance charge on new transactions will be calculated from the date next following the Payment Due Date until repayment is made in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time transaction to time), calculated from the date the cash is disbursed until repayment thereoof full payment settlement. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for • Each time if a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders Cardmember fails to pay repay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum (1%) Date stated on the Principal Balance or RM10relevant account statement for 2 consecutive statement periods, whichever the Bank reserves the right to increase the finance charge as deemed appropriate by it from the Standard Monthly Rate specified in the Schedule of Charges, effective from and including the starting date of the next statement period. • When payment is higher (subject received to a maximum of RM100)satisfy all outstanding Minimum Payment Due, shall the finance charge will be debited restored to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee Standard Monthly Rate specified in the Schedule of 5.0% Charges, effective from and including the starting date of the amount advanced or RM15.00next statement period. • If Cardmember’s account has been involuntarily closed with any unsettled outstanding balance, whichever the Bank reserves the right to increase the finance charge as deemed appropriate by it from the Standard Monthly Rate specified in the Schedule of Charges, until the total outstanding balance is higher, settled in full. • Annualized Percentage Rate is charged calculated according to the VISA/MASTERCARD CARD Account on standard method set out in the date Code of Banking Practice. • The Bank reserves the Cash Advance is made; 11.5 All betting transactions, which include right to change the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions Standard Monthly Rate for the finance charge and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for upper limit of the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service finance charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder for services rendered by the Bank time. (e) an overlimit charge in respect of or arising from one or more each transaction effected through the use of the following: 11.7.1 request for production Card the value of photocopy and/or original of Sales Drafts or other documents; 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection which when aggregated with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement outstanding balance of the Bank’s rights and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Credit Card Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply; 11.11 The Bank shall be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in the notice described herein; 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon time exceeds the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the Cardholder.Credit Limit;

Fees and Charges. 11.1 The Cardholder Bank may debit the following charges to a Card Account: (a) an initial entrance and/or annual fee for the use of the applicable Card Account and each Card (which may vary depending on the type of Card). Waiver of the annual fee shall not incur any Finance Charge(sbe at the discretion of the Bank. Failure to pay the annual fee shall lead to termination of the Card; (b) a card replacement fee; (c) a conversion fee for foreign currency transaction; (d) a transaction fee for each cash advance; (e) a finance charge calculated on fresh Retail Transactions during a daily basis on each cash advance and accruing from the Interest Free Period if all carried forward balances date of such advance until the date upon which it is finally repaid in full; (excluding Cash Advancef) a finance charge calculated on a daily basis on the amount of each Balance Transfer and accruing from the date of the Balance Transfer in question is made until the date upon which it is finally repaid in full; (g) a finance charge calculated on a daily basis on the outstanding Charges (other than cash advances and Balance Transfers, Balance Transferwhere sub-paragraphs (e) and (f) above apply), Instalment Payment Plan and other credit plans that may be offered by the finance charge specified in this sub-paragraph from the transaction date to the current Statement date unless the Bank (to which the Cardholder under applicable Card Account relates) receives in full the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected total amount due as specified in the following month’s last Statement of Account; 11.2 The Cardholder agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Account with the following charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances not paid in full on or before the Payment Due Date stipulated in that Statement; if the total amount due as specified in the last Statement is not received by the Bank (to which the applicable Card Account relates) by the latest due date stipulated in that Statement, the finance charge payable under this sub-paragraph (g) will only apply to Charges (other than cash advances and Balance Transfers as aforesaid) incurred before the date of the last Statement as from the respective dates such Charges are incurred, notwithstanding that such Charges will not be payable until the Payment Due Date specified in the current Statement; new transactions (other than cash advances and Balance Transfers as aforesaid) incurred between the dates of the last and current Statements are entitled to the repayment grace period subject to the Bank’s discretion; (h) a late payment charge, if at any time the Minimum Payment has not been paid by the latest Payment Due Date as specified in a Statement; (i) an "over limit" charge if any credit limit or cash advance limit or limit on Balance Transfer amounts applicable to a Card is exceeded; (j) a handling charge for the supply of additional copies of Statements; (k) a handling charge for the supply of original sales drafts or copies of sales drafts; (l) a service fee for credit balance inquiry in relation to the Card Account; (m) a service fee for withdrawal at ATM using the Card. (n) tax(es) (including but not limited to Service Tax) duty(ies) commission(s) of any kind imposed by government of Malaysia from time to time; (o) other fees, charges and expenses, at such rates and in such amounts as the Bank may from time to time determine. The fees, charges and expenses of the Bank would be at the following rate(s) rate prescribed or approved by Bank Negara Malaysia under its guidelines (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date next following the Payment Due Date until repayment is made in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed lower as determined by us) which is contained in the "Fee Schedule of the ICBC (Malaysia) Credit Card" (the "Fee Schedule"), and a copy of the Fee Schedule currently in force is supplied with Finance Charge(sthis Agreement. 11.2 The Card Account may be debited as provided in Clause 11.1 above even though the Charges were incurred (without limitation) by (i) telephone, fax, mail order or direct debit authorisation, or (ii) use of a Card over the applicable period during internet, in an ATM, at merchant's point of sale terminal, credit card pay phone or any other facility (if any) permitting use of a Card without the month(s) f execution of a sales draft or the signature of the Account Holder or any Cardmember. 11.3 Each Cardmember is liable to the Finance Charge Bank for total amount of Charges attributable to his/her own use of a particular balance ‘B’ B computed over Card. The Bank shall have discretion in recovering any Charges incurred by a supplementary Cardmember from either the period of ‘P’ days is Account Holder or the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base supplementary Cardmember or both. The supplementary Cardmembers shall not be liable for the annual use of any Card by any other Cardmember or by the Account Holder. 11.4 Charges incurred in or converted into Ringgit Malaysia will be posted into the Ringgit Malaysia Card Account and Charges incurred in Renminbi (and not otherwise converted into any other currency) will be posted into the Renminbi Card Account. 11.5 Where the Cardmember uses the Card outside Malaysia, the Transactions shall be charged in the official currency of the country concerned and converted into Ringgit Malaysia at the conversion rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails as determined by UnionPay International. In addition, you will also have to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge Foreign Exchange Spread of one per centum (1%) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% of the converted Ringgit Malaysia amount advanced or RM15.00for the conversion of the transactions made in foreign currency. Where the Cardmember has a Renminbi Account with the Bank, whichever is higher, is charged to transactions made within Mainland China will be debited directly from the VISA/MASTERCARD CARD Account Cardmember’s Renminbi Account. The exchange may differ from the rate in effect on the date of the Cash Advance is made; 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for the VISA/MASTERCARD CARD transaction due to market fluctuations. Such rate imposed shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. The fee final and conclusive and you shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder for services rendered by the Bank in respect of or arising from one or more of the following: 11.7.1 request for production of photocopy and/or original of Sales Drafts or other documents; 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All feesbear all exchange risks, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 Legal fees (on a Solicitor and Client basis) losses, commission and other expenses incurred by the Bank in the enforcement of the Bank’s rights and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or bank charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply; 11.11 The Bank shall be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change which may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in the notice described herein; 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the Cardholderthereby incurred.

Fees and Charges. 11.1 The Cardholder Bank may debit the following charges to a Card Account: (a) an initial entrance and/or annual fee for the use of the applicable Card Account and each Card (which may vary depending on the type of Card). Waiver of the annual fee shall not incur any Finance Charge(sbe at the discretion of the Bank. Failure to pay the annual fee shall lead to termination of the Card; (b) a card replacement fee; (c) a conversion fee for foreign currency transaction; (d) a transaction fee for each cash advance; (e) a finance charge calculated on fresh Retail Transactions during a daily basis on each cash advance and accruing from the Interest Free Period if all carried forward balances date of such advance until the date upon which it is finally repaid in full; (excluding Cash Advancef) a finance charge calculated on a daily basis on the amount of each Balance Transfer and accruing from the date of the Balance Transfer in question is made until the date upon which it is finally repaid in full; (g) a finance charge calculated on a daily basis on the outstanding Charges (other than cash advances and Balance Transfers, Balance Transferwhere sub-paragraphs (e) and (f) above apply), Instalment Payment Plan and other credit plans that may be offered by the finance charge specified in this sub-paragraph from the transaction date to the current Statement date unless the Bank (to which the Cardholder under applicable Card Account relates) receives in full the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected total amount due as specified in the following month’s last Statement of Account; 11.2 The Cardholder agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Account with the following charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances not paid in full on or before the Payment Due Date stipulated in that Statement; if the total amount due as specified in the last Statement is not received by the Bank (to which the applicable Card Account relates) by the latest due date stipulated in that Statement, the finance charge payable under this sub-paragraph (g) will only apply to Charges (other than cash advances and Balance Transfers as aforesaid) incurred before the date of the last Statement as from the respective dates such Charges are incurred, notwithstanding that such Charges will not be payable until the Payment Due Date specified in the current Statement; new transactions (other than cash advances and Balance Transfers as aforesaid) incurred between the dates of the last and current Statements are entitled to the repayment grace period subject to the Bank; (h) a late payment charge, if at any time the Minimum Payment has not been paid by the latest Payment Due Date as specified in a Statement; (i) an "over limit" charge if any credit limit or cash advance limit or limit on Balance Transfer amounts applicable to a Card is exceeded; (j) a handling charge for the supply of additional copies of Statements; (k) a handling charge for the supply of original sales drafts or copies of sales drafts; (l) a service fee for credit balance inquiry in relation to the Card Account; (m) a service fee for withdrawal at ATM using the Card; (n) tax(es) (including but not limited to Service Tax), duty(ies) and commission(s) of any kind imposed by government of Malaysia from time to time; (o) other fees, charges and expenses, at such rates and in such amounts as the Bank may from time to time determine. The fees, charges and expenses of the Bank would be at the following rate(s) rate prescribed or approved by Bank Negara Malaysia under its guidelines (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date next following the Payment Due Date until repayment is made in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed lower as determined by us) which is contained in the "Fee Schedule of the ICBC Visa Credit Card" (the "Fee Schedule"), and a copy of the Fee Schedule currently in force is supplied with Finance Charge(sthis Agreement. 11.2 The Card Account may be debited as provided in Clause 11.1 above even though the Charges were incurred (without limitation) by (i) telephone, fax, mail order or direct debit authorisation, or (ii) use of a Card over the applicable period during internet, in an ATM, at merchant's point of sale terminal, credit card pay phone or any other facility (if any) permitting use of a Card without the month(s) f execution of a sales draft or the signature of the Account Holder or any Cardmember. 11.3 Each Cardmember is liable to the Finance Charge Bank for total amount of Charges attributable to his/her own use of a particular balance ‘B’ B computed over Card. The Bank shall have complete discretion in recovering any Charges incurred by a supplementary Cardmember from either the period of ‘P’ days is Account Holder or the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base supplementary Cardmember or both. The supplementary Cardmembers shall not be liable for the annual use of any Card by any other Cardmember or by the Account Holder. 11.4 Charges incurred in or converted into Ringgit Malaysia will be posted into the Card Account. 11.5 Where the Cardmember uses the Card outside Malaysia, the Transactions shall be charged in the official currency of the country concerned and converted into Ringgit Malaysia at the conversion rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails as determined by Visa at its discretion. In addition, you will also have to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge Foreign Exchange Spread of one per centum (1%) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% of the converted Ringgit Malaysia amount advanced or RM15.00, whichever is higher, is charged to for the VISA/MASTERCARD CARD Account conversion of the transactions made in foreign currency. The exchange may differ from the rate in effect on the date of the Cash Advance is made; 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for the VISA/MASTERCARD CARD transaction due to market fluctuations. Such rate imposed shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. The fee final and conclusive and you shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder for services rendered by the Bank in respect of or arising from one or more of the following: 11.7.1 request for production of photocopy and/or original of Sales Drafts or other documents; 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All feesbear all exchange risks, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 Legal fees (on a Solicitor and Client basis) losses, commission and other expenses incurred by the Bank in the enforcement of the Bank’s rights and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or bank charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply; 11.11 The Bank shall be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change which may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in the notice described herein; 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the Cardholderthereby incurred.

Fees and Charges. 11.1 8.1 The Cardholder shall not incur any Finance Charge(s) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 The Cardholder Cardmember agrees to pay and authorises the Bank to debit his VISAhis/MASTERCARD CARD her Card Account with the following fees and charges: 11.2.1 Subject (i) In return for the Services made available to Clause 11.1 abovethe Cardmember by the Bank in relation to the Card and pursuant to the terms of this Agreement, Finance Charge(s) in respect the Cardmember will be charged a Fixed Monthly Management Charges whereby the amount of outstanding balances not paid in full which is dependent on the classification of the Card issued. The Fixed Monthly Management Charges may be increased or before decreased from time to time as approved by the Payment Due Date at Bank’s Shariah Committee. Such varied amount shall be binding on and payable by the following rate(s) (or Cardmember from such other rate date as may be stipulated determined by the Bank Bank. Gold Platinum RM7,500 RM15,000 (ii) The Fixed Monthly Management Charge is a capping amount for Actual Monthly Management Charge and/or any authority having jurisdiction over Actual Cash Withdrawal Management Charge as stated in Clause 7.3 and 7.5. Notwithstanding the above, in the event of the Actual Monthly Management Charge and/ or Actual Cash Withdrawal Management Charge exceeds the Fixed Monthly Management Charges, the Bank shall only charge up to the Fixed Monthly Management Charges. (iii) The Bank may at its absolute discretion, at any time or from time to time, grant the Cardmember a rebate (Ibra’), the amount of which will be determined and calculated from at the date next following absolute discretion of the Payment Due Date until repayment Bank. Without prejudice to such discretion, the amount of the rebate (Ibra’) if granted will be determined: . based on the difference between the Fixed Monthly Management Charge and the Actual Monthly Management Charge and/or the Actual Cash Withdrawal Management Charge at the relevant Statement Date; or . where the Actual Monthly Management Charge and/or Actual Cash Withdrawal Management Charge on the Current Balance is made in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within lesser than the above categories. 18% p.aFixed Monthly Management Charge. 11.2.2 Finance Charge(s(b) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is Annual fees are as follows: f = : (Bc) X Above Monthly Management Charge under Clause 7.3 above. (P/Dd) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum under Clause 7.6 above. (1%e) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made; 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in at its discretion determine from time to time is imposed on a Cardholder for services its Services rendered by the Bank and cost and expenses incurred in respect of or arising from one or more of the followingfrom: 11.7.1 (i) Cardmember’s cheque being dishonoured for payment; or (ii) Sales Draft Retrieval – Ringgit Malaysia Fifteen (RM15.00) per copy. (iii) Credit/Charge Card Statement Request – Ringgit Malaysia Five (RM5.00) per copy per month (statement period within 2 years) and Ringgit Malaysia Ten (Rm10.00) per copy per month (statement period beyond 2 years). In exception of damage, non- received and missing, the fixed fee of RM5 per statement copy applies for request for production of photocopy and/or original of Sales Drafts or other documents;above 3 months from the current statement date. 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated tof) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s rights right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to the Bank under his VISAhis/MASTERCARD CARD Account shall be borne by the Cardholder;her Card Account. 11.10 The Cardholder agrees to pay (g) Any other reasonable fees and/or and charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply;Cardmember. 11.11 The 8.2 Notwithstanding the above Terms and Conditions, the Bank shall be entitled may at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time such fees and from time to time and such variation or change may be notified by the Bank to the Cardholder charges by giving twenty one Twenty One (21) calendar days written notice through notice in to the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner Cardmember and such variation or change amended rate shall take effect from the date specified in the notice described herein;said notice. 11.12 Unless otherwise specified herein, 8.3 The Service Tax of RM25 governed by the Bank’s charges exclude any current taxes and future taxes that may Service Tax ▇▇▇ ▇▇▇▇ shall be imposed under the relevant legislation. Upon the on each Principal and Supplementary Credit/Charge Cards upon card issuance and card anniversary effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the Cardholder1 September 2018.

Fees and Charges. 11.1 8.1 The Cardholder shall not incur any Finance Charge(s) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 The Cardholder Cardmember agrees to pay and authorises the Bank to debit his VISAhis/MASTERCARD CARD her Card Account with the following fees and charges: 11.2.1 Subject (i) In return for the Services made available to Clause 11.1 abovethe Cardmember by the Bank in relation to the Card and pursuant to the terms of this Agreement, Finance Charge(s) in respect the Cardmember will be charged a Fixed Monthly Management Charges whereby the amount of outstanding balances not paid in full which is dependent on the classification of the Card issued. The Fixed Monthly Management Charges may be increased or before decreased from time to time as approved by the Payment Due Date at Bank’s Shariah Committee. Such varied amount shall be binding on and payable by the following rate(s) (or Cardmember from such other rate date as may be stipulated determined by the Bank Bank. Gold Platinum RM7,500 RM15,000 (ii) The Fixed Monthly Management Charge is a capping amount for Actual Monthly Management Charge and/or any authority having jurisdiction over Actual Cash Withdrawal Management Charge as stated in Clause 7.3 and 7.5. Notwithstanding the above, in the event of the Actual Monthly Management Charge and/ or Actual Cash Withdrawal Management Charge exceeds the Fixed Monthly Management Charges, the Bank shall only charge up to the Fixed Monthly Management Charges. (iii) The Bank may at its absolute discretion, at any time or from time to time, grant the Cardmember a rebate (Ibra’), the amount of which will be determined and calculated from at the date next following absolute discretion of the Payment Due Date until repayment Bank. Without prejudice to such discretion, the amount of the rebate (Ibra’) if granted will be determined: . based on the difference between the Fixed Monthly Management Charge and the Actual Monthly Management Charge and/or the Actual Cash Withdrawal Management Charge at the relevant Statement Date; or . where the Actual Monthly Management Charge and/or Actual Cash Withdrawal Management Charge on the Current Balance is made in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within lesser than the above categories. 18% p.aFixed Monthly Management Charge. 11.2.2 Finance Charge(s(b) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is Annual fees are as follows: f = : (Bc) X Above Monthly Management Charge under Clause 7.3 above. (P/Dd) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum under Clause 7.6 above. (1%e) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made; 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in at its discretion determine from time to time is imposed on a Cardholder for services its Services rendered by the Bank and cost and expenses incurred in respect of or arising from one or more of the followingfrom: 11.7.1 request (i) Cardmember’s cheque being dishonoured for production of photocopy and/or original of payment; or (ii) Production or photostating Sales Drafts or other documents;documents at the request or for the purposes of the Cardmember and as follows: . Original Sales Drafts – Ringgit Malaysia Fifteen (RM15) per copy. . Photocopy of Sales Drafts – Ringgit Malaysia Five (RM5) per copy. 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated tof) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s rights right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to the Bank under his VISAhis/MASTERCARD CARD Account shall be borne by the Cardholder;her Card Account. 11.10 The Cardholder agrees to pay (g) Any other reasonable fees and/or and charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply;Cardmember. 11.11 The 8.2 Notwithstanding the above Terms and Conditions, the Bank shall be entitled may at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time such fees and from time to time and such variation or change may be notified by the Bank to the Cardholder charges by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in the notice described herein; 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the Cardholder.Twenty One

Fees and Charges. 11.1 The Cardholder shall not incur any Finance Charge(s) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 The Cardholder agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Account with the following charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances not paid in full on or before the Payment Due Date at the following rate(s) (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date next following the Payment Due Date until repayment is made in fullinfull. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum (1%) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made; 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder for services rendered by the Bank in respect of or arising from one or more of the following: 11.7.1 request for production of photocopy and/or original of Sales Drafts or other documents; 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s rights and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply; 11.11 The Bank shall be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in the notice described herein; 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the Cardholder.SUM

Fees and Charges. 11.1 The Cardholder shall not incur any Finance Charge(s(a) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial If we receive payment of the outstanding balance is made by the Cardholder Statement Balance in full on or before the Payment Due Date, Finance Charge(syou do not have to pay any finance charge or late charge on that Statement Balance. Payment of the statement Balance includes payment of all fees, charges, costs and expenses in connection with Card Transactions. (b) Depending on the abovementioned fresh Retail Transactions will be imposed from type of your Card, you may enjoy an interest-free period of up to 56 days on purchase transactions charged to your Card. (c) Financial charge (i) If you do not pay the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 The Cardholder agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Account with the following charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances not paid Balance in full on or before the Payment Due Date at Date, we may charge without prior notice, a finance charge even if you have paid the following rate(sMinimum Payment Due in full (as referred in caveat f) of article 8 below. The finance charge is imposed on: (or such other rate as may be stipulated by 1) the Bank and/or any authority having jurisdiction over the Bank from time to time)unpaid Statement Balance, calculated from the statement date next following immediately preceding the Payment Due Date until repayment is made we receive payment in full; and (2) the amount of each new transaction being posted to your Card Account since that statement date, form the transaction date until we receive payment in full. (ii) The finance charge will accrue daily and be calculated at the annual interest rate as specified in our “Bank tariff guide for HSBC Retail Banking and Wealth Management Customers” at the time. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due We are entitled to set different interest rates for twelve outstanding cash advance and outstanding purchase transactions respectively. (12d) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who Late charge If you do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by in full on or before the Payment Due Date, we may charge, without prior notice, a Late Payment Charge late charge in addition to the finance charge as referred in caveat f) of one per centum article 8 below. The late charge will be debited to your Card Account on the following statement date. If your Card is a HSBC Pulse UnionPay Dual Currency Diamond Credit Card, the late charge will be debited to Macau Patacas sub-account, Renminbi sub-account or both (1%as applicable) on the Principal following statement date. (e) Fees You are required to pay the following fees as applicable. If you require any additional services, you may have to pay other fees and charges. (i) overlimit handling fee: if the Statement Balance or RM10(excluding all fees and charges currently billed to your Card Account) exceeds the credit limit on your Card, whichever is higher (subject we will treat this as your informal request for raising your credit limit. We may agree to your request and charge, without prior notice, a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made; 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card considering and agreeing to your request. If your Card is issued or renewed. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder for services rendered by the Bank in respect of or arising from one or more of the following: 11.7.1 request for production of photocopy and/or original of Sales Drafts or other documents; 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All feesHSBC Pulse UnionPay Dual Currency Diamond Credit Card, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall we have the right to charge an overlimit handling fee on your Macau Patacas sub-account, Renminbi sub-account or both (but shall as applicable).If we have received and processed your request to opt out from our over-the-limit facilities, we will only have the right to charge an overlimit handling fee for any Excluded Card Transactions; (ii) cash advance handling fee and cash advance fee: we will charge a handling fee and a cash advance fee for each cash advance on the date of the cash advance, If your Card is a HSBC Pulse UnionPay Dual Currency Diamond Credit Card and you make a cash advance from your Macau Patacas sub-account or your Renminbi sub-account, we will charge a handling fee and a cash advance fee for each cash advance on the date of the cash advance; (iii) returned cheque or rejected autopay handling fee: if the cheque or autopay is not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s drawn on an account with us and the Bankcheque or autopay is subsequently returned or rejected, we will treat this as your informal request for special handling services and may charge, without prior notice, a handling fee for such services; 11.9 Legal fees (iv) card replacement fee: we will charge a handling fee for each Card replaced before renewal. (v) retrieval fee: we will charge a retrieval fee for the photocopy of sales slips requested by you; (vi) annual fee: we may charge or waive an annual fee for your Card and any additional Card; and (vii) foreign currency transaction fee: we have the right to require you to pay in full or in part the transaction fee charged by Visa, MasterCard Worldwide or UnionPay (as applicable) to us on a Solicitor and Client basis) and Card Transaction with your Card in a currency other expenses incurred by the Bank in the enforcement than that currency of the Bank’s rights Card: (1) if your Card is a HSBC Pulse UnionPay Dual Currency Diamond Credit Card and entitlement under this Agreement you effect the Card Transaction with your Card in a currency other than Macau Patacas, Hong Kong dollar and Renminbi; or (2) for other Cards, you effect the recovery Card Transaction with your Card in a currency other than the currency of monies owed by the Cardholder to Card. (f) W e may vary the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or and charges imposed from time to time by the time. Our “Bank and/or tariff (g) We will debit any authority having jurisdiction over the Bank for services fees and facilities rendered charges to the Cardholder shall equally apply; 11.11 The Bank shall your Card Account. Such fees and charges will not be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation waived or change may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in the notice described herein; 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the Cardholderrefunded.

Fees and Charges. 11.1 8.1 The Cardholder shall not incur any Finance Charge(s) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 The Cardholder Cardmember agrees to pay and authorises the Bank to debit his VISAhis/MASTERCARD CARD her Card Account with the following fees and charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s(a) in respect Fixed fee of outstanding balances not paid in full on or before the Payment Due Date at the following rate(s) (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date next following the Payment Due Date until repayment is made in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen five per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum (15%) on all Cash Withdrawals through the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% use of the amount advanced Card under Clause 3.2 (b) or RM15.00Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher, is charged to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made;. 11.5 All betting transactions, which include the purchase (b) The Annual Fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will above RM50,000.00) iii) Supplementary – No Annual Fees The Annual Fees shall not be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(srefundable. (c) and/or any applicable handling charges as mentioned above shall apply accordingly;Profit charge under Clause 7.2 above. 11.6 Annual fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARDd) whenever such card is issued or renewed. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable;Compensation Fees under Clause 7.3 above. 11.7 (e) Service charge at such rate as the Bank shall in at its discretion determine from time to time is imposed on a Cardholder for its services rendered by the Bank and cost and expenses incurred in respect of or arising from one or more of the followingfrom: 11.7.1 request (i) Cardmember’s cheque being dishonoured for production payment; or (ii) A service charge of photocopy and/or original of Ringgit Malaysia Ten (RM10.00) for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents;documents at the request or for the purposes of the Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) per copy 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated tof) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s rights right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to the Bank under his VISAhis/MASTERCARD CARD Account shall be borne by the Cardholder;her Card Account. 11.10 The Cardholder agrees to pay (g) Any other reasonable fees and/or and charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply;Cardmember. 11.11 The 8.2 Notwithstanding the above provisions, the Bank shall be entitled may at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time such fees and from time to time and such variation or change may be notified charges by the Bank to the Cardholder by giving twenty one Twenty One (21) calendar days written notice through notice in to the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner Cardmember and such variation or change amended rate shall take effect from the date specified in the notice described herein;said notice. 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be entitled charged to recover such taxes from the CardholderCard Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 11.1 6.1 The Cardholder shall not incur any Finance Charge(s) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 The Cardholder Cardmember agrees to pay and authorises the Bank authorizes Maybank to debit his VISAhis/MASTERCARD CARD her Prepaid Card Account with the following fees and charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances not paid in full on :  Starter Pack RM20 or before the Payment Due Date at the following rate(s) (or such any other rate amount as may be stipulated specified by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date next following the Payment Due Date until repayment is made in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum (1%) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made; 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in its discretion determine bank from time to time  Annual maintenance fee of RM6 p.a  Online/E-statement is imposed on a Cardholder free of charge  Automated Teller Machines cash withdrawal fee at CIRRUS/PLUS network of RM10 per withdrawal  *Card replacement fee of RM20 –for services rendered by the Bank in respect of selected co-brand prepaid card only such as Limkokwing Smart Card  Production or arising from one or more of the following: 11.7.1 request for production of photocopy and/or original of photostating Sales Drafts or other documents;documents at the request or for the purposes of the Cardmember and as follows: 11.7.2 I. Original Sales Drafts – RM15.00 per copy II. Photocopy Sales Drafts - RM5.00 per copy III. Hardcopy Statement – RM2.00 per month IV. Hardcopy statement request fee (i.e. for statement exceeding six months) of RM5 per statement request V. A fee of RM20.00 will be charged for replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All feescard- applicable to selected cobranded card ie. Limkokwing Smart Card Program  The aforesaid fees or charges may be varied at any time, stamp duties and costs from time to time at the sole and expenses absolute discretion of the Bank with such changes posted to the Bank’s website. The Cardmember shall keep track of the current fees or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand charges imposed by the Cardholder Bank at Bank’s website. The Cardmembers would be notified of any changes to this terms and the Bank shall have the right to (but shall not be obligated to) at any time with conditions within 21 calendar days prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 effective date of implementation.  Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s rights right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to the Bank Maybank under his VISAhis/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay her Prepaid Card Account;  Any other reasonable fees and/or and charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank Maybank for services and facilities rendered to the Cardholder shall equally apply; 11.11 Cardmember. The Bank shall Malaysian Goods & Services Tax (GST) will be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change may be notified imposed on all fee / charges charged by the Bank to the Cardholder Cardmembers where applicable effective 1 April 2015 at the current prevailing rate.  Notwithstanding the above provisions, Maybank may at its absolute discretion vary the rate of such fees and charges by giving twenty one (21) written notice to the Cardmember at least 21 calendar days notice through notice in prior to the Statement effective date of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner implementation and such variation or change amended rate shall take effect from the date specified in the notice described herein; 11.12 Unless said notice.  The Prepaid Card shall remain the property of Maybank at all times and the Cardmember shall not transfer or otherwise specified herein, part with the Bank’s charges exclude control or possession of the Prepaid Card for any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the Cardholderuse or purpose unauthorized by Maybank.

Fees and Charges. 11.1 6.1 The Cardholder shall not incur any Finance Charge(s) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 The Cardholder Cardmember agrees to pay and authorises the Bank authorizes Maybank to debit his VISAhis/MASTERCARD CARD her Prepaid Card Account with the following fees and charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances not paid in full on : Starter Pack RM20 or before the Payment Due Date at the following rate(s) (or such any other rate amount as may be stipulated specified by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date next following the Payment Due Date until repayment is made in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum (1%) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made; 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in its discretion determine bank from time to time Annual maintenance fee of RM6 p.a Online/E-statement is imposed on a Cardholder free of charge Automated Teller Machines cash withdrawal fee at CIRRUS/PLUS network of RM10 per withdrawal *Card replacement fee of RM20 –for services rendered by the Bank in respect of selected co-brand prepaid card only such as Limkokwing Smart Card Production or arising from one or more of the following: 11.7.1 request for production of photocopy and/or original of photostating Sales Drafts or other documents;documents at the request or for the purposes of the Cardmember and as follows: 11.7.2 I. Original Sales Drafts – RM15.00 per copy II. Photocopy Sales Drafts - RM5.00 per copy III. Hardcopy Statement – RM2.00 per month IV. Hardcopy statement request fee (i.e. for statement exceeding six months) of RM5 per statement request V. A fee of RM20.00 will be charged for replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All feescard- applicable to selected cobranded card ie. Limkokwing Smart Card Program The aforesaid fees or charges may be varied at any time, stamp duties and costs from time to time at the sole and expenses absolute discretion of the Bank with such changes posted to the Bank’s website. The Cardmember shall keep track of the current fees or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand charges imposed by the Cardholder Bank at Bank’s website. The Cardmembers would be notified of any changes to this terms and the Bank shall have the right to (but shall not be obligated to) at any time with conditions within 21 calendar days prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 effective date of implementation. Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s rights right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to the Bank Maybank under his VISAhis/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay her Prepaid Card Account; Any other reasonable fees and/or and charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank Maybank for services and facilities rendered to the Cardholder shall equally apply; 11.11 The Bank shall be entitled Cardmember. Notwithstanding the above provisions, Maybank may at its absolute discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or such fees and charges by written notice to the method Cardmember at least 21 calendar days prior to the effective date of calculation at any time and from time to time implementation and such variation or change may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change amended rate shall take effect from the date specified in the notice described herein; 11.12 Unless said notice. The Prepaid Card shall remain the property of Maybank at all times and the Cardmember shall not transfer or otherwise specified herein, part with the Bank’s charges exclude control or possession of the Prepaid Card for any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the Cardholderuse or purpose unauthorized by Maybank.

Fees and Charges. 11.1 The Cardholder shall Cardmember/Company agrees to pay and authorises RHB Bank to debit the Card Account (or where there are more than one (1) Card Account, any one or more of them) for the following fees and charges: a) Annual fee as prescribed by RHB Bank for the relevant Cards issued or renewed. The annual fee will be determined or varied and notified to the Cardmember/Company by RHB Bank upon the issuance of the Card or in accordance with Clause 12.1 from time to time. The annual fee is not incur any refundable. b) If the Cardmember/Company pays less than the Outstanding Balance by the Payment Due Date for credit card, the finance charges for retail transactions will be capped at the following appropriate rate: - i) 1.25% per month (effective rate of 15% per annum) – Cardmember/Company who promptly settle their minimum payment due for 12 consecutive months; ii) 1.42% per month (effective rate of 17% per annum) – Cardmember/Company who promptly settle their minimum payment due of at least 10 months or more in a 12 months’ cycle. The 12 months’ minimum payment due cycle will not apply to new Cardmember/Company; iii) 1. 50% per month (effective rate of 18% per annum) – Cardmember/Company who do not fall within the above categories, calculated on a daily rest basis (“Finance Charge(s) on fresh Retail Transactions during Charge”), will be applied to the Interest Free Period if all carried forward balances Outstanding Balance (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans late payment charges) in respect of retail transactions that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by is unpaid after the Payment Due Date. HoweverFor a Cardmember/Company who has any Outstanding Balance in respect of retail transactions carried forward from his/her/its previous month’s Card Statement, if only the Minimum Finance Charge will be calculated from and including the calendar day immediately following the date such retail transactions are posted to his/her/its Card Account until any payments are credited to the Card Account and thereafter on the reduced balance. For a Cardmember/Company who does not have any Outstanding Balance in respect of retail transactions carried forward from his/her/its previous month’s Card Statement, the Finance Charge will be calculated from and including the calendar day immediately following the Payment Due(sDue Date until any payments are credited to the Card Account and thereafter on the reduced balance. c) is paid If all or partial payment any of the Finance Charge remains unpaid after the Payment Due Date for credit card, the Finance Charge will be imposed on any outstanding balance finance charges and other fees (excluding late payment charges) that were carried forward from previous Card Statement that is made by the Cardholder on or before unpaid after the Payment Due Date, . d) The tiered Finance Charge(s) on the abovementioned fresh Retail Transactions will Charges do not apply to charge card. The Outstanding Balance for charge card must be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 The Cardholder agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Account with the following charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances not paid settled in full on or before the Payment Due Date at the following rate(s) (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date next following the Payment Due Date until repayment is made in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within the above categories. 18% p.aDate. 11.2.2 Finance Charge(se) for Cash Advance at A Cardmember/Company who does not have any Outstanding Balance carried forward from his/her/its previous month’s Card Statement will enjoy the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation benefit of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (PInterest Free Period for Card transactions performed in the current month. A Cardmember/D) X (R) F = SUM (f) F is Company who has any Otstanding Balance of Card transactions in his/her/its Card Account(s)carried forward from his/her/its previous month’s Card Statement will not enjoy the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum (1%) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% benefit of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made; 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance Interest Free Period for Card transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder for services rendered by the Bank in respect of or arising from one or more of the following: 11.7.1 request for production of photocopy and/or original of Sales Drafts or other documents; 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank performed in the enforcement of the Bank’s rights and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply; 11.11 The Bank shall be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in the notice described herein; 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the Cardholdermonth.

Fees and Charges. 11.1 10.1 The Cardholder shall not incur any Finance Charge(s) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s Cardholder‟s previous month’s month‟s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s month‟s Statement of Account; 11.2 10.2 The Cardholder agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Account with the following charges: 11.2.1 10.2.1 Subject to Clause 11.1 10.1 above, Finance Charge(s) in respect of outstanding balances not paid in full on or before the Payment Due Date at the following rate(s) (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date next following the Payment Due Date until repayment is made in full. Cardholder’s Cardholder‟s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within the above categories. 18% p.a. 11.2.2 10.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereothereof. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ „B‟ B computed over the period of ‘P’ „P‟ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 10.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum (1%) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 10.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made; 11.5 10.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 10.6 Annual fee or joining fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. Such annual fee or joining fee shall be determined and may be varied by the Bank from time to time. The fee shall be debited to the Cardholder’s Cardholder‟s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 10.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder for services rendered by the Bank in respect of or arising from one or more of the following: 11.7.1 10.7.1 request for production of photocopy and/or original of Sales Drafts or other documents; 11.7.2 10.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 10.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s Cardholder‟s account with the Bank; 11.9 10.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s Bank‟s rights and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 10.10 The Cardholder agrees to pay other fees and/or charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply; 11.11 10.11 The Bank shall be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice in the Statement of Account and/or through any other channels allowed by manner that the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner deem fit and such variation or change shall take effect from the date specified in the notice described herein; 11.12 10.12 Unless otherwise specified herein, the Bank’s Bank‟s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the Cardholder.

Fees and Charges. 11.1 The Cardholder shall not incur any Finance Charge(s) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 4.1 The Cardholder agrees to pay the Bank’s Joining and authorises Annual Fee for the Bank Card(s). Such Fees will be debited to debit his VISA/MASTERCARD CARD the Card Account with when due and will not be refunded, unless the following charges:Cardholder has given one month prior notice before the expiry date given in the Credit Card. 11.2.1 Subject to Clause 11.1 above4.2 Interest will be charged on Card Transactions for the period commencing from the date of posting the transaction on the Card Account, Finance Charge(s) in respect until the date of outstanding balances not paid payment in full calculated on or before the Payment Due Date average daily balance over the said period at the following rate(s) (or such other an annualized rate as may to be stipulated determined by the Bank and/or any authority having jurisdiction over the Bank at its discretion from time to time), calculated from time and which annualized rate is notified to the date next following Principal Cardholder by publication in the Payment Due Date until repayment is made in fullWebsite. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at The said method of calculation of interest and the rate of eighteen per centum (18%) per annum (or such other rate as may interest shall be stipulated applicable to both purchases made and cash advances obtained by using the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereoCard. The formula used for computation interest so charged shall be debited to the Card Account on the Statement date. For the convenience of the Finance Charge(s) Cardholder, the Website shall contain illustrations of the method of charging interest on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailingsums set out herein. 11.3 4.3 If the Cardholders Cardholder fails to pay the Minimum Payment Due Bank the total outstanding by the Payment Due Date, a Late Payment Charge of one per centum (1%) the outstanding balance on the Statement Date will be charged an interest calculated on the average daily balance over the billing period at an annualized rate to be determined by the Bank at its discretion from time to time and which annualized rate is notified to the Principal Balance or RM10, whichever is higher (subject Cardholder and published in the Website. The said method of calculation of interest and the rate of interest shall be applicable to a maximum of RM100), both purchases made and cash advances obtained by using the Card. The interest so charged shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Card Account on the date Statement date. For the Cash Advance is made;convenience of the Cardholder, the Website shall contain illustrations of the method of charging interest on outstanding sums set out herein. 11.5 All betting transactions4.4 Without prejudice to the payment of the interest charge referred to, which include if the purchase of lottery tickets and chips at gaming casinosCardholder fails to pay the Minimum Amount due by the payment due date, off-track betting and ▇▇▇▇▇▇ at race tracks a Late Payment Fee will be treated as Cash Advance transactions and charged on the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for total outstanding balance on the VISA/MASTERCARD CARD shall Statement date at a rate to be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder for services rendered determined by the Bank in respect of or arising from one or more of the following: 11.7.1 request for production of photocopy and/or original of Sales Drafts or other documents; 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s rights and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply; 11.11 The Bank shall be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change may notified to the Principal Cardholder and published in the Website. 4.5 The Bank shall charge the Cardholder and debit the Card Account a handling fee at a rate to be notified determined by the Bank and notified to the Principal Cardholder by giving twenty one (21) days notice through notice and published in the Statement of Website if any cheque or other payment order issued or presented by the Cardholder or any other party to the Bank is not honoured for payment for any reason whatsoever. This charge will be in addition to any postage charges that may be charged by the Bank. 4.6 A Cash Advance Fee will be charged on all cash advances debited to the Card Account and/or through other channels allowed at a rate to be determined by the Bank and notified to reasonably ensure that all notices and/or communications reach the Principal Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified published in the notice described herein;Website. All payments made by the Card for Traveller’s Cheques, Drafts and Telegraphic Transfers shall also be treated as Cash Advances and are subject to the above charge. 11.12 Unless otherwise specified herein, 4.7 An Over Limit Fee shall be charged if the Bank’s charges exclude assigned Card Limit is exceeded at any current taxes point in the billing period. The Over Limit Fee shall be determined by the Bank from time to time at its discretion and future taxes that may shall be imposed under notified to the relevant legislationPrincipal Cardholder and published in the Website. Upon For this purpose the effective date of implementation amount of any such taxes bank charges will also be considered when applying the over limit fee. 4.8 All purchases of Petrol, Diesel, Gas and other supplies available from Filling Stations in Sri Lanka, are subject to a handling fee at a rate to be determined by the Bank and notified to the Principal Cardholder and published in the future and wherever applicable, Website. 4.9 All Card Transactions which are executed without physically presenting the Card for payment are subject to a handling fee at a rate to be determined by the Bank and notified to the Principal Cardholder and published in the Website. 4.10 A fee for the retrieval of photocopy of a sales draft will be entitled debited to recover the Card Account at a rate, to be determined by the Bank and notified to the Principal Cardholder and published in the Website. 4.11 Stamp Duty as currently applicable or any other Statutory Charge or Levy will be charged to the Card Account for each and every transaction under with the Card including Cards issued to Supplementary Cardholders or any other method as stipulated by such taxes from Statute or Regulations or Rules. 4.12 A replacement Credit Card fee will be debited to the CardholderCard Account at a rate to be determined by the Bank and notified to the Principal Cardholder and published in the Website, in the event of such replacement becoming necessary for any reason whatsoever.

Fees and Charges. 11.1 10.1 The Cardholder shall not incur any Finance Charge(s) on fresh Retail Transactions during Client will pay the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan fees and other credit plans that may be offered by charges detailed in the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) Agreement. 10.2 The Arrangement Fee is paid or partial payment of the outstanding balance is made by the Cardholder payable on or before around the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account Commencement Date and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 The Cardholder agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Account with the following charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances not paid in full on or before the Payment Due Date at the following rate(s) (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date next following the Payment Due Date until repayment is made in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum (1%) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account Client to set up the arrangements described in the Agreement. 10.3 The Facility Review Fee is payable on each anniversary of the date Commencement Date and is charged to the Cash Advance is made;Client for HSBC undertaking an annual review of the facilities which HSBC provides to the Client. 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks 10.4 The Factoring Commission will be treated as Cash Advance transactions charged to the Current Account and deducted from the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Purchase price of Receivables. The Minimum Annual fee for Factoring Commission specified in the VISA/MASTERCARD CARD Schedule shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. The fee shall be debited to the CardholderCurrent Account on or about the anniversary of the Commencement Date in each year. 10.5 Unless expressly provided to the contrary in the Agreement, the Client will pay all of HSBC’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate charges as the Bank shall in its discretion determine effect from time to time is imposed on for maintaining the DDA Account and collecting Remittances and the Client will pay any taxes incurred, and the costs of any action taken under or in relation to the Agreement. The Client agrees that HSBC may set up an additional blocked DDA Account for the purpose of holding Cash Collateral. 10.6 If HSBC agrees to a Cardholder for services rendered by request from the Bank in respect of or arising from one or more Client to terminate the Agreement prior to the end of the followingMinimum Period or prior to the lapse of any Notice Period (without any obligation upon HSBC to do so), or prior to the end of any subsequent 12 month period following an automatic renewal, HSBC will be entitled to the charges and/or fees that would have been payable to HSBC had this Agreement remained in force for the balance of the Minimum Period or Notice Period or such subsequent 12 month period, and those charges and/or fees include: 11.7.1 request for production of photocopy and/or original of Sales Drafts or other documents;(a) Whichever is greater, 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD;(i) the Minimum Annual Factoring Commission and 11.8 All fees(ii) any Factoring Commission, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand calculated by the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice reference to the Cardholder to debit average monthly turnover of Receivables for the Cardholder12 full calendar months before termination or, otherwise, for each full calendar month that the Agreement has been in operation; and (b) Margin calculated at a daily rate based on the average balance on each Current Account over the 12 full calendar months before termination or, otherwise, the average balance on the Current Account for each full calendar month that the Agreement has been in operation. 10.7 If in the opinion of HSBC there has been a material deterioration in the Client’s account with financial condition or operating performance, HSBC may charge the Bank;Client a monthly monitoring fee for additional work undertaken by HSBC monitoring and reviewing the Client and its ledgers. 11.9 Legal 10.8 The Client will pay the fees (on of HSBC’s in-house and outside attorneys for the preparation of all Transaction Documents and, following a Solicitor and Client basis) and other expenses incurred by the Bank in Termination Event, for the enforcement of the Bankterms of the Transaction Documents and collection of the Liabilities. 10.9 The Client shall pay to HSBC a fee for field examinations conducted by HSBC at HSBC’s rights and entitlement under this Agreement and then prevailing rate, for each day or part thereof of such examination plus out of pocket expenses. HSBC’s fee for field examinations in effect on the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply; 11.11 The Bank shall be entitled at its discretion to vary Commencement Date is the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in the notice described herein; 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the CardholderSchedule.

Fees and Charges. 11.1 The Cardholder Member shall not incur any Finance Charge(s) on fresh Retail Transactions during the Interest Free Period if all carried carried-forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder Member under the VISA/MASTERCARD CARD Business Credit Card Account) from the Cardholder’s Member's previous month’s 's Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) Due is paid or partial payment of the outstanding balance is made by the Cardholder Member on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Business Credit Card Account and such Finance Charge(s) will be reflected in the following month’s 's Statement of Account;. 11.2 The Cardholder Member agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Business Credit Card Account with the following charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances (excluding late payment charges and taxes not paid in full on or before the Payment Due Date at the following rate(s) (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date next following the Payment Due Date until repayment is made in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder Bank a. Tier-2 Member who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) 10 months or more in a 12-month cycle; and 17% p.a. Tier 3 Cardholder Tier-3 Member who do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereothereof. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X x (P/D) X x (R) F = SUM (f) F is the total Finance Charge Charge(s) imposed for the month Sum (f) is the sum of all Finance Charge Charge(s) computed on the different Balances that on which the Finance Charge(s) may be imposed with Finance Charge(s) over the applicable period during the month(s) month f is the Finance Charge Charge(s) for a particular balance ‘'B’ B ' computed over the period of ‘'P’ ' days B is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “'B” ' D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum (1%) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee Fee of 5.0% of 5.0%of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Business Credit Card Account on the date the Cash Advance is made;. 11.4 If the Member fails to pay the Minimum Payment Due by the Payment Due Date, a late payment charge of one per centum (1%) on the Current Principal Balance or RM10, whichever is higher (subject to a maximum of RM100.00 only) shall be debited to the VISA/MASTERCARD Business Credit Card Account. 11.5 All betting transactions, which include The Member agrees to pay a joining fee for the purchase of lottery tickets VISA/MASTERCARD Business Credit Card whenever such VISA/MASTERCARD Business Credit Card is issued to a Cardholder. Such joining fee shall be determined and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will may be treated as Cash Advance transactions and varied by the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above Bank from time to time. The fee shall apply accordingly;be debited to the Member's VISA/MASTERCARD Business Credit Card Account. 11.6 Annual fee for the VISA/MASTERCARD CARD Business Credit Card shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. Such annual fee shall be determined and may be varied by the Bank from time to time. The fee shall be debited to the Cardholder’s 's VISA/MASTERCARD CARD Business Credit Card Account when due and is not refundable;. 11.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder the Member for services rendered by the Bank in respect of or arising from one or more of the following: 11.7.1 request (a) Request for production of photocopy and/or original of Sales Drafts Draft or other documents; 11.7.2 replacement (b) Replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the BankBusiness Credit Card; 11.9 Legal fees (on c) A request for a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s rights and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder;new PIN for any reason whatsoever. 11.10 11.8 The Cardholder Member agrees to pay other fees and/or charges imposed from time to time by the Bank and/or or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply;Member in respect of the VISA/MASTERCARD Business Credit Card. 11.11 The 11.9 Notwithstanding the above provision, the Bank shall be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change may be notified by the Bank to the Cardholder Member by giving twenty one (21) days advance notice to the Member through notice in the Statement of Account and/or through any other channels allowed by manner that the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner deems fit and such variation or change shall take effect from the date specified in the notice described herein;. 11.10 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD Business Credit Card shall be payable on demand by the Member and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Member to debit the Member's account with the Bank. 11.11 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank's rights and entitlement under this Agreement and the recovery of monies owed by the Member and/or Cardholder to the Bank under VISA/MASTERCARD Business Credit Card Account shall be borne by the Member and/or Cardholder. 11.12 Unless otherwise specified herein, the Bank’s our charges exclude any current taxes and future taxes that may be imposed imposed, under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank we will be entitled to recover such taxes from the Cardholderyou.

Fees and Charges. 11.1 6.1. The Cardholder shall not incur any Finance Charge(sAccount Holder will be charged a non-refundable Issuance Fee once the application is approved. as it appears in the schedule mentioned below. All other fees and charges related to the Umlaty product is detailed below: Issuance fee SAR 105* Annual Fee SAR 78.75* Replacement Fee SAR 52.50* Transaction Dispute Fee SAR 52.50* Cash Withdrawal Fee (Overseas) on fresh Retail Transactions during Equivalent to: SAR 21* Cash Withdrawal Fee (Local) SABB ATMs SAR 5.25* Other ATMs SAR 21.00* *Charges are inclusive of Value Added Tax at the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered prevailing rate as determined by the Saudi Government (5% as of January 1st 2018) 6.2. The Bank reserves the right to amend the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account Card Fees and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 The Cardholder agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Account with the following charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances not paid in full on or before the Payment Due Date at the following rate(s) (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank Charges from time to time), calculated at its discretion. Any such variations or amendments will become effective and binding on the Account Holder upon notification to the Account Holder by any means the Bank deems fit. Use of the Card after the date upon which any change to these Terms and Conditions is to have effect (as may be specified in the Bank’s notice) will constitute acceptance without reservation by the Account Holder of such change. However, in case of his objection or non-acceptance, the Account Holder has the right to terminate the Account and Card. 6.3. The applicant must pay all costs and charges due on the account which include the issuance, replacement and renewal of the card. The bank reserves the right to automatically deduct the fee and charges from the card account or from the customer’s current account with the bank. 6.4. The issuance and annual fees are non-refundable, and are subject to change in the future. 6.5. If the account holder chooses not to accept any of the terms, he or she may cancel the agreement within 10 days from the date next following of the Payment Due Date until repayment application submission or after he or she have been informed of the terms and conditions from any of the bank channels, as long as the card is made in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within the above categories. 18% p.aactivated. 11.2.2 Finance Charge(s) for Cash Advance at 6.6. In case the rate of eighteen per centum (18%) per annum (or such other rate as may customer requires a replacement card to be stipulated by sent overseas, the Bank and/or any authority having jurisdiction over customer will bear the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance prevailing courier charges and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum (1%) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall these will be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof;Card account. 11.4 A Cash Advance fee 6.7. The Transaction Dispute fees will be deducted from the account of 5.0% of Umlaty card. If the amount advanced or RM15.00customer’s objection is invalid, whichever is higher, is the fees will be charged back to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made; 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, offaccount (within 30-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s120 days) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder for services rendered by the Bank in respect of or arising from one or more of the following: 11.7.1 request for production of photocopy and/or original of Sales Drafts or other documents; 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s rights and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply; 11.11 The Bank shall be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in of confirmation of the notice described herein;invalidity of the objection. 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation6.8. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank The Replacement Card fee will be entitled to recover such taxes deducted from the CardholderAccount Holder’s current account or the account registered for the Umlaty card.

Fees and Charges. 11.1 The Cardholder Member shall not incur any Finance Charge(s) on fresh Retail Transactions during the Interest Free Period if all carried carried-forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder Member under the VISA/MASTERCARD CARD Business Credit Card Account) from the CardholderMember’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) Due is paid or partial payment of the outstanding balance is made by the Cardholder Member on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Business Credit Card Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account;. 11.2 The Cardholder Member agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Business Credit Card Account with the following charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances (excluding late payment charges and taxes) not paid in full on or before the Payment Due Date at the following rate(s) (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date next following the Payment Due Date until repayment is made in full. Cardholder: Member’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder Member who promptly settle their Minimum Payment Due for twelve (12) 12 consecutive months; 15% p.a. Tier 2 Cardholder Member who promptly settle their Minimum Payment Due for ten (10) 10 months or more in a 12-12- month cycle; and 17% p.a. Tier 3 Cardholder Member who do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereothereof. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance (excluding late payment charges and taxes) is as follows: f = (B) X x (P/D) X x (R) F = SUM (f) F is the total Finance Charge Charge(s) imposed for the month Sum (f) is the sum of all Finance Charge Charge(s) computed on the different Balances that on which the Finance Charge(s) may be imposed with Finance Charge(s) over the applicable period during the month(s) month f is the Finance Charge Charge(s) for a particular balance ‘B’ B computed over the period of ‘P’ days B is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “‘B” ’ D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum (1%) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee Fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Business Credit Card Account on the date the Cash Advance is made;. 11.4 If the Member fails to pay the Minimum Payment Due by the Payment Due Date, a late payment charge of one per centum (1%) on the Current Principal Balance or RM10, whichever is higher (subject to a maximum of RM100.00 only) shall be debited to the VISA/MASTERCARD Business Credit Card Account. 11.5 All betting transactions, which include The Member agrees to pay a joining fee for the purchase of lottery tickets VISA/MASTERCARD Business Credit Card whenever such VISA/MASTERCARD Business Credit Card is issued to a Cardholder. Such joining fee shall be determined and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will may be treated as Cash Advance transactions and varied by the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above Bank from time to time. The fee shall apply accordingly;be debited to the Member’s VISA/MASTERCARD Business Credit Card Account. 11.6 Annual fee for the VISA/MASTERCARD CARD Business Credit Card shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. Such annual fee shall be determined and may be varied by the Bank from time to time. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Business Credit Card Account when due and is not refundable;. 11.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder the Member for services rendered by the Bank in respect of or arising from one or more of the following: 11.7.1 request (a) Request for production of photocopy and/or original of Sales Drafts Draft or other documents; 11.7.2 replacement (b) Replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the BankBusiness Credit Card; 11.9 Legal fees (on c) A request for a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s rights and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder;new PIN for any reason whatsoever. 11.10 11.8 The Cardholder Member agrees to pay other fees and/or charges imposed from time to time by the Bank and/or or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply;Member in respect of the VISA/MASTERCARD Business Credit Card. 11.11 The 11.9 Notwithstanding the above provision, the Bank shall be entitled at its sole discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change may be notified by the Bank to the Cardholder Member by giving twenty one (21) days advance notice to the Member through notice in the Statement of Account and/or through any other channels allowed by manner that the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner deems fit and such variation or change shall take effect from the date specified in the notice described herein;. 11.10 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD Business Credit Card shall be payable on demand by the Member and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Member to debit the Member’s account with the Bank. 11.11 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s rights and entitlement under this Agreement and the recovery of monies owed by the Member and/or Cardholder to the Bank under VISA/MASTERCARD Business Credit Card Account shall be borne by the Member and/or Cardholder. 11.12 Unless otherwise specified herein, the Bank’s our charges exclude any current taxes and future taxes that may be imposed imposed, under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank we will be entitled to recover such taxes from the Cardholderyou.

Fees and Charges. 11.1 The Cardholder shall not incur any Finance Charge(s(a) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial If we receive payment of the outstanding balance is made by the Cardholder Statement Balance in full on or before the Payment Due Date, Finance Charge(syou do not have to pay any finance charge or late charge on that Statement Balance. Payment of the Statement Balance includes payment of all fees, charges, costs and expenses in connection with Card Transactions. (b) Depending on the abovementioned fresh Retail Transactions will be imposed from type of your Card, you may enjoy an interest-free period of up to 56 days on purchase transactions charged to your Card. (c) Finance charge (i) If you do not pay the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 The Cardholder agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Account with the following charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances not paid Balance in full on or before the Payment Due Date at Date, we may charge, without prior notice, a finance charge even if you have paid the following rate(sMinimum Payment Due in full. The finance charge is imposed on: (1) (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time)unpaid Statement Balance, calculated from the statement date next following immediately preceding the Payment Due Date until repayment is made we receive payment in full; and (2) the amount of each new transaction being posted to your Card Account since that statement date, from the transaction date until we receive payment in full. (ii) The finance charge will accrue daily and be calculated at the interest rate per month as specified in our “Bank taritf guide for HSBC Retail Banking and Wealth Management Customers” at the time. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due We are entitled to set ditferent interest rates for twelve outstanding cash advance and outstanding purchase transactions respectively. (12d) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who Late charge If you do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by in full on or before the Payment Due Date, we may charge, without prior notice, a Late Payment Charge of one per centum late charge in addition to the finance charge. The late charge will be debited to your Card Account on the following statement date. If your Card is a HSBC Pulse UnionPay Dual Currency Diamond or UnionPay Dual Currency credit card, the late charge will be debited to your Hong Kong dollar sub-account, Renminbi sub-account or both (1%as applicable) on the Principal following statement date. (e) Fees You are required to pay the following fees as applicable. If you require any additional services, you may have to pay other fees and charges. (i) overlimit handling fee: if the Statement Balance (excluding all fees and charges currently billed to your Card Account) exceeds the credit limit on your Card, we will treat this as your informal request for raising your credit limit. We may agree to your request and charge, without prior notice, a handling fee for considering and agreeing to your request. If your Card is a HSBC Pulse UnionPay Dual Currency Diamond or RM10UnionPay Dual Currency credit card, whichever is higher we have the right to charge an overlimit handling fee on your Hong Kong dollar sub-account, Renminbi sub-account or both (subject as applicable). If we have received and processed your request to a maximum of RM100)opt out from our over-the-limit facilities, shall be debited we will only have the right to the VISA/MASTERCARD CARD Account both before as well as after charge an overlimit handling fee for any Court Order or Judgement until full settlement thereofExcluded Card Transactions; 11.4 A Cash Advance (ii) cash advance handling fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account and cash advance fee: we will charge a handling fee and a cash advance fee for each cash advance on the date of the Cash Advance cash advance. If your Card is madea HSBC Pulse UnionPay Dual Currency Diamond or UnionPay Dual Currency credit card and you make a cash advance from your Hong Kong dollar sub-account or your Renminbi sub-account, we will charge a handling fee and a cash advance fee for each cash advance on the date of the cash advance; 11.5 All betting transactions(iii) returned cheque or rejected autopay handling fee: if the cheque or autopay is not drawn on an account with us and the cheque or autopay is subsequently returned or rejected, which include we will treat this as your informal request for special handling services and may charge, without prior notice, a handling fee for such services; (iv) card replacement fee: if your Card is an HSBC Premier MasterCard credit card, we will not charge a handling fee for each Card replaced before renewal. For other Cards, we will charge a handling fee for each Card replaced before renewal; (v) retrieval fee: we will charge a retrieval fee for the purchase photocopy of lottery tickets sales slips requested by you; (vi) annual fee: if your Card is an HSBC Premier MasterCard, HSBC Advance Visa Platinum credit card or HSBC Red Credit Card, we will waive the annual fee for your Card and chips at gaming casinosany additional Card. For other Cards, off-track betting we may charge or waive an annual fee for your Card and ▇any additional Card; and (vii) foreign currency transaction fee: we have the right to require you to pay in full or in part the transaction fee charged by Visa, MasterCard Worldwide or UnionPay (as applicable) to us on a Card Transaction: (1) if your Card is an HSBC Pulse UnionPay Dual Currency Diamond credit card and you etfect the Card Transaction with your Card in a currency other than Hong Kong dollar, Macau Pataca and Renminbi; or (2) if your Card is a UnionPay Dual Currency credit card and you etfect the Card Transaction with your Card in a currency other than Hong Kong dollar and Renminbi; (3) for other Cards, you etfect the Card Transaction with your Card in a currency other than the currency of the Card. (f) We may vary the fees and charges from time to time. Our “Bank ▇▇▇▇▇ f guide for HSBC Retail Banking and Wealth Management Customers” has details of various fees and charges including the applicable rates or amounts. That guide is available at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued our website or renewed. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder for services rendered by the Bank in respect of or arising from one or more of the following: 11.7.1 upon request for production of photocopy and/or original of Sales Drafts or other documents; 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank of our branches in the enforcement of the Bank’s rights and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply; 11.11 The Bank shall be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in the notice described herein; 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the CardholderHong Kong.

Fees and Charges. 11.1 The Cardholder shall not incur any Finance Charge(s(a) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial If we receive payment of the outstanding balance is made by the Cardholder Statement Balance in full on or before the Payment Due Date, Finance Charge(syou do not have to pay any finance charge or late charge on that Statement Balance. Payment of the Statement Balance includes payment of all fees, charges, costs and expenses in connection with Card Transactions. (b) Depending on the abovementioned fresh Retail Transactions will be imposed from type of your Card, you may enjoy an interest-free period of up to 56 days on purchase transactions charged to your Card. (c) Finance charge (i) If you do not pay the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 The Cardholder agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Account with the following charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances not paid Balance in full on or before the Payment Due Date at Date, we may charge, without prior notice, a finance charge even if you have paid the following rate(sMinimum Payment Due in full. The finance charge is imposed on: (1) (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time)unpaid Statement Balance, calculated from the statement date next following immediately preceding the Payment Due Date until repayment is made we receive payment in full; and (2) the amount of each new transaction being posted to your Card Account since that statement date, from the transaction date until we receive payment in full. (ii) The finance charge will accrue daily and be calculated at the interest rate per month as specified in our “Bank tariff guide for HSBC Retail Banking and Wealth Management Customers” at the time. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due We are entitled to set different interest rates for twelve outstanding cash advance and outstanding purchase transactions respectively. (12d) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who Late charge If you do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by in full on or before the Payment Due Date, we may charge, without prior notice, a Late Payment Charge of one per centum late charge in addition to the finance charge. The late charge will be debited to your Card Account on the following statement date. If your Card is a HSBC Pulse UnionPay Dual Currency Diamond or UnionPay Dual Currency credit card, the late charge will be debited to your Hong Kong dollar sub-account, Renminbi sub-account or both (1%as applicable) on the Principal following statement date. (e) Fees You are required to pay the following fees as applicable. If you require any additional services, you may have to pay other fees and charges. (i) overlimit handling fee: if the Statement Balance or RM10(excluding all fees and charges currently billed to your Card Account) exceeds the credit limit on your Card, whichever is higher (subject we will treat this as your informal request for raising your credit limit. We may agree to your request and charge, without prior notice, a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made; 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card considering and agreeing to your request. If your Card is issued a HSBC Pulse UnionPay Dual Currency Diamond or renewed. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder for services rendered by the Bank in respect of or arising from one or more of the following: 11.7.1 request for production of photocopy and/or original of Sales Drafts or other documents; 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All feesUnionPay Dual Currency credit card, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall we have the right to charge an overlimit handling fee on your Hong Kong dollar sub-account, Renminbi sub-account or both (but shall as applicable). If we have received and processed your request to opt out from our over-the-limit facilities, we will only have the right to charge an overlimit handling fee for any Excluded Card Transactions; (ii) cash advance handling fee and cash advance fee: we will charge a handling fee and a cash advance fee for each cash advance on the date of the cash advance. If your Card is a HSBC Pulse UnionPay Dual Currency Diamond or UnionPay Dual Currency credit card and you make a cash advance from your Hong Kong dollar sub-account or your Renminbi sub-account, we will charge a handling fee and a cash advance fee for each cash advance on the date of the cash advance; (iii) returned cheque or rejected autopay handling fee: if the cheque or autopay is not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s drawn on an account with us and the Bankcheque or autopay is subsequently returned or rejected, we will treat this as your informal request for special handling services and may charge, without prior notice, a handling fee for such services; 11.9 Legal fees (iv) card replacement fee: if your Card is an HSBC Premier MasterCard credit card, we will not charge a handling fee for each Card replaced before renewal. For other Cards, we will charge a handling fee for each Card replaced before renewal; (v) retrieval fee: we will charge a retrieval fee for the photocopy of sales slips requested by you; (vi) annual fee: if your Card is an HSBC Premier MasterCard, HSBC Advance Visa Platinum credit card or HSBC Red Credit Card, we will waive the annual fee for your Card and any additional Card. For other Cards, we may charge or waive an annual fee for your Card and any additional Card; and (vii) foreign currency transaction fee: we have the right to require you to pay in full or in part the transaction fee charged by Visa, MasterCard Worldwide or UnionPay (as applicable) to us on a Solicitor Card Transaction: (1) if your Card is an HSBC Pulse UnionPay Dual Currency Diamond credit card and Client basisyou effect the Card Transaction with your Card in a currency other than Hong Kong dollar, Macau Pataca and Renminbi; or (2) if your Card is a UnionPay Dual Currency credit card and you effect the Card Transaction with your Card in a currency other expenses incurred by than Hong Kong dollar and Renminbi; (3) for other Cards, you effect the Bank Card Transaction with your Card in a currency other than the enforcement currency of the Bank’s rights Card. (f) We may vary the fees and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or charges imposed from time to time by time. Our “Bank tarif f guide for HSBC Retail Banking and Wealth Management Customers” has details of various fees and charges including the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply; 11.11 The Bank shall be entitled applicable rates or amounts. That guide is available at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation our website or upon request at any time and from time to time and such variation or change may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice of our branches in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in the notice described herein; 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the CardholderHong Kong.

Fees and Charges. 11.1 8.1 The Cardholder shall not incur any Finance Charge(s) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 The Cardholder Cardmember agrees to pay and authorises the Bank to debit his VISAhis/MASTERCARD CARD her Card Account with the following fees and charges: 11.2.1 Subject (i) In return for the Services made available to Clause 11.1 abovethe Cardmember by the Bank in relation to the Card and pursuant to the terms of this Agreement, Finance Charge(s) in respect the Cardmember will be charged a Fixed Monthly Management Charges whereby the amount of outstanding balances not paid in full which is dependent on the classification of the Card issued. The Fixed Monthly Management Charges may be increased or before decreased from time to time as approved by the Payment Due Date at Bank’s Shariah Committee. Such varied amount shall be binding on and payable by the following rate(s) (or Cardmember from such other rate date as may be stipulated determined by the Bank Bank. Gold Platinum RM7,500 RM15,000 (ii) The Fixed Monthly Management Charge is a capping amount for Actual Monthly Management Charge and/or any authority having jurisdiction over Actual Cash Withdrawal Management Charge as stated in Clause 7.3 and 7.5. Notwithstanding the above, in the event of the Actual Monthly Management Charge and/ or Actual Cash Withdrawal Management Charge exceeds the Fixed Monthly Management Charges, the Bank shall only charge up to the Fixed Monthly Management Charges. (iii) The Bank may at its absolute discretion, at any time or from time to time, grant the Cardmember a rebate (Ibra’), the amount of which will be determined and calculated from at the date next following absolute discretion of the Payment Due Date until repayment Bank. Without prejudice to such discretion, the amount of the rebate (Ibra’) if granted will be determined: . based on the difference between the Fixed Monthly Management Charge and the Actual Monthly Management Charge and/or the Actual Cash Withdrawal Management Charge at the relevant Statement Date; or . where the Actual Monthly Management Charge and/or Actual Cash Withdrawal Management Charge on the Current Balance is made in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within lesser than the above categories. 18% p.aFixed Monthly Management Charge. 11.2.2 Finance Charge(s(b) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is Annual fees are as follows: f = Annual Fees Principal Supplementary (Bc) X Above Monthly Management Charge under Clause 7.3 above. (P/Dd) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum under Clause 7.6 above. (1%e) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made; 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in at its discretion determine from time to time is imposed on a Cardholder for services its Services rendered by the Bank and cost and expenses incurred in respect of or arising from one or more of the followingfrom: 11.7.1 request (i) Cardmember’s cheque being dishonoured for production of photocopy and/or original of payment; or (ii) Production or photostating Sales Drafts or other documents;documents at the request or for the purposes of the Cardmember and as follows: . Original Sales Drafts – Ringgit Malaysia Fifteen (RM15) per copy. . Photocopy of Sales Drafts – Ringgit Malaysia Five (RM5) per copy. 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated tof) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s rights right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to the Bank under his VISAhis/MASTERCARD CARD Account shall be borne by the Cardholder;her Card Account. 11.10 The Cardholder agrees to pay (g) Any other reasonable fees and/or and charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply;Cardmember. 11.11 The 8.2 Notwithstanding the above Terms and Conditions, the Bank shall be entitled may at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time such fees and from time to time and such variation or change may be notified by the Bank to the Cardholder charges by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in the notice described herein; 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the Cardholder.Twenty One

Fees and Charges. 11.1 10.1 The Cardholder shall not incur any Finance Charge(s) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 10.2 The Cardholder agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Account with the following charges: 11.2.1 10.2.1 Subject to Clause 11.1 10.1 above, Finance Charge(s) in respect of outstanding Retail Transaction balances not paid in full on or before the Payment Due Date at the following rate(s) (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date next following the Payment Due Date until repayment is made in full: 10.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereof. Lorem ipsum dolor sit amet, consectetuer Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 The formula use Cardholder who do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used d for computation of the Finance Charge(sCha 18% p.a. rge(s) on Cash Advance and outstanding Retail Transaction balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 10.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum (1%) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 10.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made; 11.5 10.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 10.6 Annual fee or joining fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. Such annual fee or joining fee shall be determined and may be varied by the Bank from time to time. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 10.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder for services rendered by the Bank in respect of or arising from one or more of the following: 11.7.1 10.7.1 request for production of photocopy and/or original of Sales Drafts or other documents; 11.7.2 10.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 10.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 10.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s rights and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply; 11.11 The Bank shall be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in the notice described herein; 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the Cardholder.

Fees and Charges. 11.1 The Cardholder shall not incur any Finance Charge(s(a) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial If we receive payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 The Cardholder agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Account with the following charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances not paid Balance in full on or before the Pay ment Due Date, you do not have to pay any finance charge or late charge on that Statement Balance. Payment of the statement Balance includes payment of all fees, charges, costs and expenses in connection with Card Transactions. (b) Depending on the type of your Card, you may enjoy an interest-free period of up to 56 day s on purchase transactions charged to your Card. (c) Financial charge (i) If y ou do not pay the Statement Balance in full on or before the Pay ment Due Date at Date, we may charge without prior notice, a f inance charge is imposed on: (1) the following rate(s) (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time)unpaid Statement Balance, calculated from the statement date next following immediately preceding the Payment Due Date until repayment is made we receiv e payment in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve ; and (122) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten the amount of each new transaction being posted to your Card Account since that statement date, form the transaction date until we receive payment in full. (10ii) months or more The f inance charge will accrue daily and be calculated at the annual interest rate as specified in a 12-month cycle; 17% p.a. Tier 3 Cardholder who our “Bank tariff guide for (d) Late charge If y ou do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by in full on or before the Payment Pay ment Due Date, we may charge, without prior notice, a Late Payment Charge late charge in addition to the finance charge as referred in caveat f) of one per centum article 8 below. The late charge will be debited to your Card Account on the f ollowing statement date. If your Card is a HSBC Pulse UnionPay Dual Currency Diamond Credit Card, the late charge will be debited to Macau Patacas sub-account, Renminbi sub-account or both (1%as applicable) on the Principal following statement date. (e) Fees Y ou are required to pay the following fees as applicable. If you require any additional services, you may have to pay other fees and charges. (i) ov erlimit handling fee: if the Statement Balance or RM10(excluding all f ees and charges currently billed to your Card Account) exceeds the credit limit on your Card, whichever is higher (subject we will treat this as your inf ormal request for raising your credit limit. We may agree to y our request and charge, without prior notice, a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made; 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for considering and agreeing to your request. If your Card is a HSBC Pulse UnionPay Dual Currency Diamond Credit Card, we hav e the VISA/MASTERCARD CARD shall be charged right to charge an overlimit handling fee on your Macau Patacas sub-account, Renminbi sub-account or both (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. The fee shall be debited as applicable).If we have received and processed your request to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder for services rendered by the Bank in respect of or arising from one or more of the following: 11.7.1 request for production of photocopy and/or original of Sales Drafts or other documents; 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All feesopt out f rom our over-the-limit facilities, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall we will only have the right to charge an ov erlimit handling fee for any Excluded Card Transactions; (but shall ii) cash adv ance handling fee and cash advance fee: we will charge a handling f ee and a cash advance fee for each cash adv ance on the date of the cash advance, If your Card is a HSBC Pulse UnionPay Dual Currency Diamond Credit Card and y ou make a cash advance from your Macau Patacas sub- account or y our Renminbi sub-account, we will charge a handling f ee and a cash advance fee for each cash advance on the date of the cash advance; (iii) returned cheque or rejected autopay handling fee: if the cheque or autopay is not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s drawn on an account with the Bank; 11.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s rights and entitlement under this Agreement us and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank cheque or autopay is subsequently returned or rejected, we will treat this as y our informal request for special handling services and facilities rendered to the Cardholder shall equally applymay charge, without prior notice, a handling fee for such services; 11.11 The Bank shall be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in the notice described herein; 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the Cardholder.

Fees and Charges. 11.1 10.1 The Cardholder shall not incur any Finance Charge(s) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment of the outstanding balance is made by the Cardholder on or before the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 10.2 The Cardholder agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Account with the following charges: 11.2.1 10.2.1 Subject to Clause 11.1 10.1 above, Finance Charge(s) in respect of outstanding balances not paid in full on or before the Payment Due Date at the following rate(s) (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date next following the Payment Due Date until repayment is made in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within the above categories. 18% p.a. 11.2.2 10.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereothereof. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 10.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum (1%) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 10.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made; 11.5 10.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 10.6 Annual fee or joining fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. Such annual fee or joining fee shall be determined and may be varied by the Bank from time to time. The fee shall be debited to the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 10.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder for services rendered by the Bank in respect of or arising from one or more of the following: 11.7.1 10.7.1 request for production of photocopy and/or original of Sales Drafts or other documents; 11.7.2 10.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 10.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 10.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s rights and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply; 11.11 The Bank shall be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in the notice described herein; 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the Cardholder.

Fees and Charges. 11.1 It is hereby further agreed and declared as follows: 4.1 The Cardholder shall not incur any Finance Charge(s) on fresh Retail Transactions during the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan and other credit plans that may be offered by the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) is paid or partial payment notified of the outstanding balance is made by details of the joining fees, annual subscription fees and related charges at the time of applying for a Card and the Principal Cardholder on or before shall pay the Payment Due Date, Finance Charge(s) on said charges prior to being issued with the abovementioned fresh Retail Transactions will be imposed from Card and/or the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 Supplementary Cardholder being issued with a Supplementary Card. The Cardholder agrees to pay and authorises may visit the Bank to debit his VISA/MASTERCARD CARD Account with the following charges: 11.2.1 Subject to Clause 11.1 aboveBank’s website, Finance Charge(s) in respect of outstanding balances not paid in full on or before the Payment Due Date at the following rate(s) (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date next following the Payment Due Date until repayment is made in fullwww. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum (1%) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Account on the date the Cash Advance is made; 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and pri▇▇▇▇▇▇.▇▇.▇▇ at race tracks ▇▇r all the applicable charges related to the cards. 4.2 If the Cardholder pays the total Debit Amount, as shown on the monthly Statement, by the Due Date, no interest will be treated as Cash Advance transactions and charged on the relevant Cash Advance fee, Finance Charge(s) and/or any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for the VISA/MASTERCARD CARD Debit Amount. Excise Duty shall be charged (including and payable on all Transactions in accordance with the applicable law and regulations for charging the same. 4.3 Any payment received by the Bank later than its respective Due Date shall be deemed not to have been paid and shall only be credited as having been received by the Bank on the succeeding calendar month’s due date to the intent that a late payment charge of 5% shall accrue on the said amount as if it had remained outstanding for the period up to the succeeding calendar month’s Due Date. 4.4 If on succeeding calendar month’s Due Date the Principal Cardholder has not paid the entire Debit Amount of the previous calendar month, the Bank shall, without prejudice to any supplementary VISA/MASTERCARD CARD) whenever other rights or remedies of the Bank, charge a minimum interest of 0.75% per month above the Bank lending rate on any such card is issued or renewedunpaid amount and the Principal Cardholder hereby acknowledges and agrees that the said rate of interest shall represents a reasonable pre-estimate of the loss to be suffered by the Bank in funding the default of the Principal Debtor. The fee Bank shall be debited entitled to vary the Cardholder’s VISA/MASTERCARD CARD Account when due and is not refundable; 11.7 Service charge at rate of interest charged hereunder to such other rate as the Bank shall determine in its sole and absolute discretion determine from time to time as is imposed on a Cardholder for services rendered not prohibited by the Bank in respect of or arising from one or more of Act and as the following: 11.7.1 request for production of photocopy and/or original of Sales Drafts or other documents; 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s rights and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply; 11.11 The Bank shall be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change same may be notified by the Bank to the Cardholder by giving twenty one directly or through press adverts and notices from the Bank provided that lack of such notice or non-receipt of such notice shall not prejudice the Bank’s right to charge the revised rate of interest. 4.5 The Principal Cardholder shall pay to the Bank a fee equal to five percent (215%) days notice through notice of the amount of any Cash Transaction (or at such percentage as the Bank shall determine in its sole and absolute discretion from time to time.) 4.6 The Principal Cardholder shall make immediate payment of all amounts in excess of the Statement Credit Limit and any Transactions made in breach of Account and/or through this Agreement and, without prejudice to any other channels allowed rights or remedies to the Bank, the Bank shall be entitled to charge a fee determined by the Bank in its sole and absolute discretion on any such Amounts. 4.7 The Principal Cardholder shall pay (on a full and unqualified indemnity basis) to reasonably ensure that the Bank on demand all notices and/or communications reach fees costs, charges, taxes, liabilities, damages and expenses incurred or suffered by the Bank in relation or incidental to the recovery of any and all amounts outstanding to the Bank from the Principal Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect hereunder together with interest thereon at the rate referred to clause 4.4 from the date of demand to the date repayment (together with all accrued interest) in full. The applicable fees, costs, charges and taxes are detailed hereunder (See under “Fees”) whilst all liabilities, damages and expenses incurred or suffered by the Bank in relation or incidental to the recovery of any all amounts outstanding to the Bank from the Principal Cardholder shall be notified to the Cardholder at the time the same are incurred or to be incurred. 4.8 If for whatever reason the Statement is not received by the Cardholder as specified in the notice described herein; 11.12 Unless otherwise specified hereinclause 3.4, the Bank’s Principal Cardholder‘s liability hereunder shall not thereby be discharged or postponed. 4.9 The Principal Cardholder may request the Bank for a temporary credit limit increase, as and when required. The Bank shall in its sole and absolute discretion approve such temporary credit limit and the Principal Cardholder will be liable to pay an “over the limit fee” equal to 3% of the amount over limit. 4.10 No charge will be levied by the Bank solely for using Contactless mode of payment. However, the cardholder accepts, agrees and acknowledges that the Card shall continue to attract annual fees, late payment fees, interest, over limit charges exclude and any current taxes other charges as applicable on the Card. 4.11 In certain cases, where a written request cannot be made, the Cardholder may request the Bank for a temporary credit limit increase over the phone. The phone call request shall form the basis of the oral contract and future taxes that may be imposed under recorded for evidentiary purpose provided that failure to record the relevant legislationsame shall not affect the contract and the fact of the Bank increasing the sanctioned limit shall be sufficient evidence of the said contract. Upon the effective date of implementation of In any such taxes in the future and wherever applicableother case, the Bank shall only entertain a request that is in writing and sent to the Bank beforehand. The Bank but shall not be obliged to approve such temporary credit limit and shall do so in its sole and absolute discretion. Where the Bank approves such increase, the Principal Cardholder will be liable to pay an “over the limit fee” equal to 3% per month of the amount over limit. The Principal Cardholder undertakes to pay back the funds advanced together with the fees charged within thirty (30) days from when the funds were advanced. In the event that the Principal Cardholder is unable to pay back the said funds, the Bank may at its sole discretion proceed to block the Card from further use until such payment is made in addition to other recovery procedures hereunder. Where the Bank approves any temporary over the limit credit enhancement, the Cardholder authorizes the Bank to block or make unavailable a similar amount in any of the Cardholder’s accounts maintained with the Bank to act as security for the temporary over the limit enhancement advanced. The Bank shall be entitled to recover automatically and without further reference to the Cardholder, set off the amount advanced over the limit against such taxes funds blocked or made unavailable, in the event the Cardholder does not pay back the funds advanced within the aforesaid thirty (30) days from the Cardholderdate in which they were advanced.

Fees and Charges. 11.1 10.1 The Cardholder shall not incur any Finance Charge(s) on fresh Retail Transactions during Client will pay the Interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Instalment Payment Plan fees and other credit plans that may be offered by charges detailed in the Bank to the Cardholder under the VISA/MASTERCARD CARD Account) from the Cardholder’s previous month’s Statement of Account have been fully settled by the Payment Due Date. However, if only the Minimum Payment Due(s) Agreement. 10.2 The Arrangement Fee is paid or partial payment of the outstanding balance is made by the Cardholder payable on or before around the Payment Due Date, Finance Charge(s) on the abovementioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account Commencement Date and such Finance Charge(s) will be reflected in the following month’s Statement of Account; 11.2 The Cardholder agrees to pay and authorises the Bank to debit his VISA/MASTERCARD CARD Account with the following charges: 11.2.1 Subject to Clause 11.1 above, Finance Charge(s) in respect of outstanding balances not paid in full on or before the Payment Due Date at the following rate(s) (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date next following the Payment Due Date until repayment is made in full. Cardholder’s Payment Behaviour Retail Interest Rate Tier 1 Cardholder who promptly settle their Minimum Payment Due for twelve (12) consecutive months; 15% p.a. Tier 2 Cardholder who promptly settle their Minimum Payment Due for ten (10) months or more in a 12-month cycle; 17% p.a. Tier 3 Cardholder who do not fall within the above categories. 18% p.a. 11.2.2 Finance Charge(s) for Cash Advance at the rate of eighteen per centum (18%) per annum (or such other rate as may be stipulated by the Bank and/or any authority having jurisdiction over the Bank from time to time), calculated from the date the cash is disbursed until repayment thereo. The formula used for computation of the Finance Charge(s) on Cash Advance and outstanding balance is as follows: f = (B) X (P/D) X (R) F = SUM (f) F is the total Finance Charge imposed for the month Sum (f) is the sum of all Finance Charge computed on the different Balances that may be imposed with Finance Charge(s) over the applicable period during the month(s) f is the Finance Charge for a particular balance ‘B’ B computed over the period of ‘P’ days is the outstanding balance that is imposed with Finance Charge(s) P is the respective interest bearing period in days during which the Finance Charge(s) is imposed on the balance “B” D is the number of days used as the base for the annual rate R is the nominal Finance Charge(s) annual rate then prevailing 11.3 If the Cardholders fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of one per centum (1%) on the Principal Balance or RM10, whichever is higher (subject to a maximum of RM100), shall be debited to the VISA/MASTERCARD CARD Account both before as well as after any Court Order or Judgement until full settlement thereof; 11.4 A Cash Advance fee of 5.0% of the amount advanced or RM15.00, whichever is higher, is charged to the VISA/MASTERCARD CARD Client to set up the arrangements described in the Agreement. 10.3 The Facility Review Fee is payable on each anniversary of the Commencement Date and is charged to the Client for HIF undertaking an annual review of the facilities which HIF provides to the Client. 10.4 The Client will pay the Service Charge in the applicable Prepayment Currency. The Service Charge is payable for HIF providing IIF, administering the Client's Current Account and Discounting Account, calculating Availability, establishing Funding Limits and Credit Protection Limits, managing the Clients facilities, providing Credit Management (where that Product has been selected) and providing reports and conducting routine audits. If the Service Charge is calculated as a percentage of the value of Notified Debts, HIF may increase the amount of Service Charge payable at any time to ensure that the minimum annual Service Charge payment is made. 10.5 Unless expressly provided to the contrary in the Agreement, the Client will pay all bank commissions incurred by HIF for which HIF considers it to be liable in maintaining any Collection Account, collecting Remittances and any taxes incurred, and the costs of any action taken under or in relation to the Agreement. 10.6 If HIF agrees to a request from the Client to terminate the Agreement within the Minimum Period or Notice Period (without any obligation upon HIF to do so), HIF will be entitled to the charges and/or fees that would have been payable to HIF had the Minimum Period or Notice Period been served, and those charges and/or fees include: (a) any Service Charge which, if expressed as a percentage of Notified Debts, shall be calculated by reference to the average monthly turnover of Notified Debts for the 12 full calendar months before termination or, otherwise, for each full calendar month that the Agreement has been in operation; and (b) Discounting Margin calculated at a daily rate based on the average balance on each Discounting Account over the 12 full calendar months before termination or, otherwise, the average balance on the Discounting Account for each full calendar month that the Agreement has been in operation. 10.7 If the Client fails to make payment of any credit insurance premium by its due date for payment or fails to produce any premium receipt to HIF on demand, HIF may at the Cash Advance is made; 11.5 All betting transactions, which include the purchase of lottery tickets and chips at gaming casinos, off-track betting and ▇▇▇▇▇▇ at race tracks will be treated as Cash Advance transactions and Client's expense make any such payment to the relevant Cash Advance feeinsurer, Finance Charge(s) and/or or effect or renew such credit insurance policy as HIF may consider necessary, and any applicable handling charges as mentioned above shall apply accordingly; 11.6 Annual fee for the VISA/MASTERCARD CARD shall be charged (including any supplementary VISA/MASTERCARD CARD) whenever such card is issued or renewed. The fee shall sums paid by HIF in this regard will be debited to the Cardholder’s VISA/MASTERCARD CARD a Current Account when due and is not refundable; 11.7 Service charge at such rate as the Bank shall in its discretion determine from time to time is imposed on a Cardholder for services rendered Discounting Account until repaid promptly by the Bank Client upon HIF's request, together with the Discounting Charge accrued at two percentage points above the then applicable Discounting Margin. 10.8 If in respect the opinion of HIF there has been a material deterioration in the Client's financial condition or arising from one operating performance, HIF may charge the Client a monthly monitoring fee for additional work undertaken by HIF monitoring and reviewing the Client and its ledgers. 10.9 Unless HIF advises otherwise, VAT will be payable by the Client on all fees and charges payable to HIF under or more of the following: 11.7.1 request for production of photocopy and/or original of Sales Drafts or other documents; 11.7.2 replacement of lost or stolen VISA/ MASTERCARD CARD; 11.8 All fees, stamp duties and costs and expenses or whatsoever nature in connection with the VISA/MASTERCARD CARD shall be payable on demand by Agreement other than the Cardholder and the Bank shall have the right to (but shall not be obligated to) at any time with prior notice to the Cardholder to debit the Cardholder’s account with the Bank; 11.9 Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s rights and entitlement under this Agreement and the recovery of monies owed by the Cardholder to the Bank under his VISA/MASTERCARD CARD Account shall be borne by the Cardholder; 11.10 The Cardholder agrees to pay other fees and/or charges imposed from time to time by the Bank and/or any authority having jurisdiction over the Bank for services and facilities rendered to the Cardholder shall equally apply; 11.11 The Bank shall be entitled at its discretion to vary the rate of any fees, charges, Finance Charge(s), Minimum Payment Due and/or the method of calculation at any time and from time to time and such variation or change may be notified by the Bank to the Cardholder by giving twenty one (21) days notice through notice in the Statement of Account and/or through other channels allowed by the Bank to reasonably ensure that all notices and/or communications reach the Cardholder through electronic or in writing in a timely manner and such variation or change shall take effect from the date specified in the notice described herein; 11.12 Unless otherwise specified herein, the Bank’s charges exclude any current taxes and future taxes that may be imposed under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from the CardholderDiscounting Charge.