Common use of Amanah Current and Basic Current Account Clause in Contracts

Amanah Current and Basic Current Account. i a. The Customer deposits with the Bank as lender and gives consent to the Bank as borrower to utilise any part of the deposits in the account for Shariah compliant investments or transactions. Returns generated from utilisation of deposits belongs solely to the Bank.The Bank undertakes to deliver the deposit to the Customer on demand. b. The Customer confirms that the Customer has not been reported by any bank to the credit bureau set up by Bank Negara Malaysia, and acknowledges that the Bank has the right to close the account if the Customer is so reported. c. The Customer agrees to check upon receipt, that: • the Customer has received the correct number of cheque books; • each cheque book has the correct number of cheque leaves; • account details printed are correct; and • to read and carry out all the instructions printed on the inside front cover of the cheque book; and if the Customer fails to do any of it, the Bank shall not be liable for any loss suffered by the Customer. d. The Customer agrees that it is the Customer’s responsibility to keep the cheque book secure (preferably locked) and under its sole control at all times, and if the Customer fails to do so, the Bank shall not be liable for any loss suffered by the Customer. The Customer agrees not to write cheques in a way which may allow the cheque to be tampered with or facilitates fraud, and to take precautionary measures such as, but not limited to: • using only non-erasable ink (not erasable ballpoint pens, pencils, electronic typewriter or any other instruments); • not leaving signed or unsigned cheques unattended; • not pre-signing cheques in blank; and • destroying completely spoilt cheques; failing which no liability shall be attached to the Bank. e. The Customer agrees: • not to write any notations on the face of a cheque, and if any are written, the Bank has the right to ignore the notations without being liable to the Customer; and • not to make any changes on a cheque, and the Bank has the right to dishonour and return a cheque which the Bank views as having any changes, even if countersigned by the authorised signatories. f. The Customer agrees not to issue cheques when there are insufficient funds in the account. Penalty charges for returned cheques due to insufficient funds as stated in the Bank’s Tariff and Charges which can be viewed at the Bank’s website will be charged and debited to the account. g. The Customer acknowledges that a stop payment instruction may only be carried out if the cheque has not been presented for payment, and once carried out, cannot be reversed and: • the words “stop payment” will be stamped on the cheque; • re-presentation of the cheque is not allowed; and • handling fees and penalty charges (if the account has insufficient funds for the cheque) will be charged and debited to the account. h. Account statements in hard copy form or electronic format (“E-statement”) shall be issued to the Customer on a monthly basis or such other permitted intervals determined by the Bank. The E-statement may be sent to the Customer via electronic mail to the Customer’s e-mail address last known to the Bank or through Online Banking if the Customer is a registered user. i. Overdrawing is not allowed under the account. In the event of an unauthorised overdrawing, the Bank shall be entitled to debit the account or any other account of the Customer with the Bank for the amount overdrawn. j. The Bank reserves the right to refuse payment of withdrawal instruction or cheque encashment (through issuance of a cheque to a third party) from the Customer’s account, to a third party whether authorised or purportedly authorised by the Customer at the branch of account. k. The Customer agrees that fees and charges stated in the Bank’s Tariff and Charges which can be viewed at the Bank’s website shall be imposed.

Amanah Current and Basic Current Account. i a. The Customer deposits with the Bank as lender and gives consent to the Bank as borrower to utilise any part of the deposits in the account for Shariah compliant investments or transactions. Returns generated from utilisation of deposits belongs solely to the Bank.. The Bank undertakes to deliver the deposit to the Customer on demand. b. The Customer confirms that the Customer has not been reported by any bank to the credit bureau set up by Bank Negara Malaysia, and acknowledges that the Bank has the right to close the account if the Customer is so reported. c. The Customer agrees to check upon receipt, that: • x the Customer has received the correct number of cheque books; • x each cheque book has the correct number of cheque leaves; • x account details printed are correct; and • x to read and carry out all the instructions printed on the inside front cover of the cheque book; and if the Customer fails to do any of it, the Bank shall not be liable for any loss suffered by the Customer. d. The Customer agrees that it is the Customer’s responsibility to keep the cheque book secure 7KH &XVWRPHU DJUHHV WKDW LW LV WKH &XVWRPHU¶V UHVS (preferably locked) and under its sole control at all times, and if the Customer fails to do so, the Bank shall not be liable for any loss suffered by the Customer. The Customer agrees not to write cheques in a way which may allow the cheque to be tampered with or facilitates fraud, and to take precautionary measures such as, but not limited to: • x using only non-erasable ink (not erasable ballpoint pens, pencils, electronic typewriter or any other x instruments); • x not leaving signed or unsigned cheques unattended; • x not pre-signing cheques in blank; and • x destroying completely spoilt cheques; failing which no liability shall be attached to the Bank. e. The Customer agrees: • not to write any notations on the face of a cheque, and if any are written, the Bank has the right to ignore the notations without being liable to the Customer; and • not to make any changes on a cheque, and the Bank has the right to dishonour and return a cheque which the Bank views as having any changes, even if countersigned by the authorised authorized signatories. f. The Customer agrees not to issue cheques when there are insufficient funds in the account. Penalty charges for returned cheques due to insufficient funds as stated in the Bank’s Tariff and 3HQDOW\ FKDUJHV IRU UHWXUQHG FKHTXHV GXH WR LQVXIIL Charges which can be viewed at the Bank’s website will be charged and debited WKH %DQN¶wVill beZcHhaErgVedLaWndHdebited to the account. g. The Customer acknowledges that a stop payment instruction may only be carried out if the cheque has not been presented for payment, and once carried out, cannot be reversed and: • the words “stop payment” will be stamped on the cheque; • x WKH ZRUGV ³VWRS SD\PHQW´ ZLOO EH VWDPSHG RQ WKH F x re-presentation of the cheque is not allowed; and • x handling fees and penalty charges (if the account has insufficient funds for the cheque) will be charged and debited to the account. h. Account statements in hard copy form or electronic format (“E$FFRXQW VWDWHPHQWV LQ KDUG F-statement”) shall be issued to the VRWSD\W HIPRHUQPW ´R U VHKODHOFOW UERHQ LFV Customer on a monthly basis or such other permitted intervals determined by the Bank. The E-E- statement may be sent to the Customer via electronic mail to the Customer’s eVHQW WR WKH &XVWRPHU YLD HO-mail address last mHaFil aWddUreRssQlaLstF PDLO WR known to the Bank or through Online Banking if the Customer is a registered user. i. Overdrawing is not allowed under the account. In the event of an unauthorised overdrawing, the Bank shall be entitled to debit the account or any other account of the Customer with the Bank for the amount overdrawn. j. The Bank reserves the right to refuse payment of withdrawal instruction or cheque encashment (through issuance of a cheque to a third party) from the Customer’s account, to a third party chHTXH WR D WKLUG SDUW\ IURP WKH &XVWRP whether authorised or purportedly authorised by the Customer at the branch of account. k. The Customer agrees that fees and charges stated in the Bank’s Tariff and Charges 7KH &XVWRPHU DJUHHV WKDW IHHV DQG FKDUJHV VWDWHG L which can be viewed at the Bank’s website shall be imposed.DW WKH %DQsNha¶ll Vbe imZpHosEedV. LWH

Amanah Current and Basic Current Account. i a. The Customer deposits with the Bank as lender and gives consent to the Bank as borrower to utilise any part of the deposits in the account for Shariah compliant investments or transactions. Returns generated from utilisation of deposits belongs solely to the Bank.The Bank undertakes to deliver the deposit to the Customer on demand. b. The Customer confirms that the Customer has not been reported by any bank to the credit bureau set up by Bank Negara Malaysia, and acknowledges that the Bank has the right to close the account if the Customer is so reported. c. The Customer agrees to check upon receipt, that: • the Customer has received the correct number of cheque books; • each cheque book has the correct number of cheque leaves; • account details printed are correct; and • to read and carry out all the instructions printed on the inside front cover of the cheque book; and if the Customer fails to do any of it, the Bank shall not be liable for any loss suffered by the Customer. d. The Customer agrees that it is the Customer’s responsibility to keep the cheque book secure (preferably locked) and under its sole control at all times, and if the Customer fails to do so, the Bank shall not be liable for any loss suffered by the Customer. The Customer agrees not to write cheques in a way which may allow the cheque to be tampered with or facilitates fraud, and to take precautionary measures such as, but not limited to: • using only non-erasable ink (not erasable ballpoint pens, pencils, electronic typewriter or any other • instruments); • not leaving signed or unsigned cheques unattended; • not pre-signing cheques in blank; and • destroying completely spoilt cheques; failing which no liability shall be attached to the Bank. e. The Customer agrees: • not to write any notations on the face of a cheque, and if any are written, the Bank has the right to ignore the notations without being liable to the Customer; and • not to make any changes on a cheque, and the Bank has the right to dishonour and return a cheque which the Bank views as having any changes, even if countersigned by the authorised authorized signatories. f. The Customer agrees not to issue cheques when there are insufficient funds in the account. Penalty charges for returned cheques due to insufficient funds as stated in the Bank’s Tariff and Charges which can be viewed at the Bank’s website will be charged and debited to the account. g. The Customer acknowledges that a stop payment instruction may only be carried out if the cheque has not been presented for payment, and once carried out, cannot be reversed and: • the words “stop payment” will be stamped on the cheque; • re-presentation of the cheque is not allowed; and • handling fees and penalty charges (if the account has insufficient funds for the cheque) will be charged and debited to the account. h. Account statements in hard copy form or electronic format (“E-statement”) shall be issued to the Customer on a monthly basis or such other permitted intervals determined by the Bank. The E-statement may be sent to the Customer via electronic mail to the Customer’s e-mail address last known to the Bank or through Online Banking if the Customer is a registered user. i. Overdrawing is not allowed under the account. In the event of an unauthorised overdrawing, the Bank shall be entitled to debit the account or any other account of the Customer with the Bank for the amount overdrawn. j. The Bank reserves the right to refuse payment of withdrawal instruction or cheque encashment (through issuance of a cheque to a third party) from the Customer’s account, to a third party whether authorised or purportedly authorised by the Customer at the branch of account. k. The Customer agrees that fees and charges stated in the Bank’s Tariff and Charges which can be viewed at the Bank’s website shall be imposed.

Amanah Current and Basic Current Account. i a. The Customer deposits with the Bank as lender and gives consent to the Bank as borrower to utilise any part of the deposits in the account for Shariah compliant investments or transactions. Returns generated from utilisation of deposits belongs solely to the Bank.. The Bank undertakes to deliver the deposit to the Customer on demand. b. The Customer confirms that the Customer has not been reported by any bank to the credit bureau set up by Bank Negara Malaysia, and acknowledges that the Bank has the right to close the account if the Customer is so reported. c. The Customer agrees to check upon receipt, that: • the Customer has received the correct number of cheque books; • each cheque book has the correct number of cheque leaves; • account details printed are correct; and • to read and carry out all the instructions printed on the inside front cover of the cheque book; and if the Customer fails to do any of it, the Bank shall not be liable for any loss suffered by the Customer. d. The Customer agrees that it is the Customer’s responsibility to keep the cheque book secure (preferably locked) and under its sole control at all times, and if the Customer fails to do so, the Bank shall not be liable for any loss suffered by the Customer. The Customer agrees not to write cheques in a way which may allow the cheque to be tampered with or facilitates fraud, and to take precautionary measures such as, but not limited to: • using only non-erasable ink (not erasable ballpoint pens, pencils, electronic typewriter or any other instruments); • not leaving signed or unsigned cheques unattended; • not pre-signing cheques in blank; and • destroying completely spoilt cheques; failing which no liability shall be attached to the Bank. e. The Customer agrees: • not to write any notations on the face of a cheque, and if any are written, the Bank has the right to ignore the notations without being liable to the Customer; and • not to make any changes on a cheque, and the Bank has the right to dishonour and return a cheque which the Bank views as having any changes, even if countersigned by the authorised signatories. f. The Customer agrees not to issue cheques when there are insufficient funds in the account. Penalty charges for returned cheques due to insufficient funds as stated for the time being in the Bank’s Tariff and Charges which can be viewed at the Bank’s website xxx.xxxxxxxxxx.xxx.xx will be charged and debited to the account. g. The Customer acknowledges that a stop payment instruction may only be carried out if the cheque has not been presented for payment, and once carried out, cannot be reversed and: • the words “stop payment” will be stamped on the cheque; • re-presentation of the cheque is not allowed; and • handling fees and penalty charges (if the account has insufficient funds for the cheque) will be charged and debited to the account. h. Account statements in hard copy form or electronic format (“E-statement”) shall be issued to the Customer on a monthly basis or such other permitted intervals determined by the Bank. The E-statement may be sent to the Customer via electronic mail to the Customer’s e-mail address last known to the Bank or through Online Banking if the Customer is a registered user. i. Overdrawing is not allowed under the account. In the event of an unauthorised overdrawing, the Bank shall be entitled to debit the account or any other account of the Customer with the Bank for the amount overdrawn. j. The Bank reserves the right to refuse payment of withdrawal instruction or cheque encashment (through issuance of a cheque to a third party) from the Customer’s account, to a third party whether authorised or purportedly authorised by the Customer at the branch of account. k. The Customer agrees that fees and charges stated in the Bank’s Tariff and Charges which can be viewed at the Bank’s website shall be imposed.Contents

Amanah Current and Basic Current Account. i a. The Customer deposits with the Bank as lender and gives consent to the Bank as borrower to utilise any part of the deposits in the account for Shariah compliant investments or transactions. Returns generated from utilisation of deposits belongs solely to the Bank.. The Bank undertakes to deliver the deposit to the Customer on demand. b. The Customer confirms that the Customer has not been reported by any bank to the credit bureau set up by Bank Negara Malaysia, and acknowledges that the Bank has the right to close the account if the Customer is so reported. c. The Customer agrees to check upon receipt, that: • the Customer has received the correct number of cheque books; • each cheque book has the correct number of cheque leaves; • account details printed are correct; and • to read and carry out all the instructions printed on the inside front cover of the cheque book; and if the Customer fails to do any of it, the Bank shall not be liable for any loss suffered by the Customer. d. The Customer agrees that it is the Customer’s responsibility to keep the cheque book secure (preferably locked) and under its sole control at all times, and if the Customer fails to do so, the Bank shall not be liable for any loss suffered by the Customer. The Customer agrees not to write cheques in a way which may allow the cheque to be tampered with or facilitates fraud, and to take precautionary measures such as, but not limited to: • using only non-erasable ink (not erasable ballpoint pens, pencils, electronic typewriter or any other • instruments); • not leaving signed or unsigned cheques unattended; • not pre-signing cheques in blank; and • destroying completely spoilt cheques; failing which no liability shall be attached to the Bank. e. The Customer agrees: • not to write any notations on the face of a cheque, and if any are written, the Bank has the right to ignore the notations without being liable to the Customer; and • not to make any changes on a cheque, and the Bank has the right to dishonour and return a cheque which the Bank views as having any changes, even if countersigned by the authorised authorized signatories. f. The Customer agrees not to issue cheques when there are insufficient funds in the account. Penalty charges for returned cheques due to insufficient funds as stated in the Bank’s Tariff and Charges which can be viewed at the Bank’s website will be charged and debited to the account. g. The Customer acknowledges that a stop payment instruction may only be carried out if the cheque has not been presented for payment, and once carried out, cannot be reversed and: • the words “stop payment” will be stamped on the cheque; • re-presentation of the cheque is not allowed; and • handling fees and penalty charges (if the account has insufficient funds for the cheque) will be charged and debited to the account. h. Account statements in hard copy form or electronic format (“E-statement”) shall be issued to the Customer on a monthly basis or such other permitted intervals determined by the Bank. The E-statement may be sent to the Customer via electronic mail to the Customer’s e-mail address last known to the Bank or through Online Banking if the Customer is a registered user. i. Overdrawing is not allowed under the account. In the event of an unauthorised overdrawing, the Bank shall be entitled to debit the account or any other account of the Customer with the Bank for the amount overdrawn. j. The Bank reserves the right to refuse payment of withdrawal instruction or cheque encashment (through issuance of a cheque to a third party) from the Customer’s account, to a third party whether authorised or purportedly authorised by the Customer at the branch of account. k. The Customer agrees that fees and charges stated in the Bank’s Tariff and Charges which can be viewed at the Bank’s website shall be imposed.

Amanah Current and Basic Current Account. i a. The Customer deposits with the Bank as lender and gives consent to the Bank as borrower to utilise any part of the deposits in the account for Shariah compliant investments or transactions. Returns generated from utilisation of deposits belongs solely to the Bank.The Bank undertakes to deliver the deposit to the Customer on demand. b. The Customer confirms that the Customer has not been reported by any bank to the credit bureau set up by Bank Negara Malaysia, and acknowledges that the Bank has the right to close the account if the Customer is so reported. c. The Customer agrees to check upon receipt, that: • the Customer has received the correct number of cheque books; • each cheque book has the correct number of cheque leaves; • account details printed are correct; and • to read and carry out all the instructions printed on the inside front cover of the cheque book; and if the Customer fails to do any of it, the Bank shall not be liable for any loss suffered by the Customer. d. The Customer agrees that it is the Customer’s responsibility to keep the cheque book secure (preferably locked) and under its sole control at all times, and if the Customer fails to do so, the Bank shall not be liable for any loss suffered by the Customer. The Customer agrees not to write cheques in a way which may allow the cheque to be tampered with or facilitates fraud, and to take precautionary measures such as, but not limited to: • using only non-erasable ink (not erasable ballpoint pens, pencils, electronic typewriter or any other • instruments); • not leaving signed or unsigned cheques unattended; • not pre-signing cheques in blank; and • destroying completely spoilt cheques; failing which no liability shall be attached to the Bank. e. The Customer agrees: • not to write any notations on the face of a cheque, and if any are written, the Bank has the right to ignore the notations without being liable to the Customer; and • not to make any changes on a cheque, and the Bank has the right to dishonour and return a cheque which chequewhich the Bank views as having viewsashaving any changes, even if countersigned by the authorised authorized signatories. f. The Customer agrees not to issue cheques when there are insufficient funds in the account. Penalty charges for returned cheques due to insufficient funds as stated in the Bank’s Tariff and Charges which can be viewed at the Bank’s website will be charged and debited to the account. g. The Customer acknowledges that a stop payment instruction may only be carried out if the cheque has not been presented for payment, and once carried out, cannot be reversed and: • the words “stop payment” will be stamped on the cheque; • re-presentation of the cheque is not allowed; and • handling fees and penalty charges (if the account has insufficient funds for the cheque) will be charged and debited to the account. h. Account statements in hard copy form or electronic format (“E-statement”) shall be issued to the Customer on a monthly basis or such other permitted intervals determined by the Bank. The E-statement may be sent to the Customer via electronic mail to the Customer’s e-mail address last known to the Bank or through Online Banking if the Customer is a registered user. i. Overdrawing is not allowed under the account. In the event of an unauthorised overdrawing, the Bank shall be entitled to debit the account or any other account of the Customer with the Bank for the amount overdrawn. j. The Bank reserves the right to refuse payment of withdrawal instruction or cheque encashment (through issuance of a cheque to a third party) from the Customer’s account, to a third party whether authorised or purportedly authorised by the Customer at the branch of account. k. The Customer agrees that fees and charges stated in the Bank’s Tariff and Charges which can be viewed at the Bank’s website shall be imposed.