Common use of Fees and Charges Clause in Contracts

Fees and Charges. 8.1 The Cardholder agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee Waived (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder and as follows: Original Sales Drafts RM15.00 per copy; Photocopy of Sales Drafts RM5.00 per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardholder to Maybank under his/her Credit Card Account; (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the Cardholder. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by written notice to the Cardholder and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 6.1 The Cardholder Cardmember agrees to pay and authorises authorizes Maybank to debit his/her Credit Prepaid Card Account with the following fees and charges:- (a) Fixed charges:  Starter Pack RM20 or any other amount as specified by the bank from time to time  Annual maintenance fee of five per centum (5%) on all Cash Withdrawals through the use RM6 p.a  Online/E-statement is free of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance charge  Automated Teller Machines cash withdrawal fee Waived (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's cheque being dishonoured for payment; or (ii) A service charge CIRRUS/PLUS network of RM10 per withdrawal  *Card replacement fee of RM20 –for each postselected co-dated cheque returned. (iii) brand prepaid card only such as Limkokwing Smart Card  Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder Cardmember and as follows: : I. Original Sales Drafts – RM15.00 per copy; II. Photocopy of Sales Drafts - RM5.00 per copy; or III. Hardcopy Statement – RM2.00 per month IV. Hardcopy statement request fee (fi.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 card- applicable to selected cobranded card ie. Limkokwing Smart Card Program  The aforesaid fees or charges may be varied at any time, and from time to time at the sole and absolute discretion of the Bank with such changes posted to the Bank’s website. The Cardmember shall keep track of the current fees or charges imposed by the Bank at Bank’s website. The Cardmembers would be notified of any changes to this terms and conditions within 21 calendar days prior to the effective date of implementation.  Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's ’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank under his/her Credit Prepaid Card Account; (g) ;  Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the Cardholder. 8.2 Cardmember. The Malaysian Goods & Services Tax (GST) will be imposed on all fee / charges charged by the Bank to the 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 written notice to the Cardholder Cardmember at least 21 calendar days prior to the effective date of implementation and such amended rate shall take effect from the date specified in the said notice.  The Prepaid Card shall remain the property of Maybank at all times and the Cardmember shall not transfer or otherwise part with the control or possession of the Prepaid Card for any use or purpose unauthorized by Maybank. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardholder agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual fees are as follows :- Visa or MasterCard Principal Supplementary Or American Express RM130.00 RM65.00 Visa and MasterCard and American Express RM195.00 RM130.00 The Annual fees shall not be refundable. (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder and as follows: Original Sales Drafts RM15.00 per copy; Photocopy of Sales Drafts RM5.00 per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardholder to Maybank under his/her Credit Card Account; (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the Cardholder. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) Calender days written notice to the Cardholder and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardholder Cardmember agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual Fees are as follows:- i) First Year Free ii) Subsequent years - RM800.00 (Waived with spending of above RM50,000.00) iii) Supplementary – No Annual Fees The Annual Fees shall not be refundable. (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of RM10 Ringgit Malaysia Ten (RM10.00) for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder Cardmember and as follows: • Original Sales Drafts RM15.00 - Ringgit Malaysia Fifteen (RM15.00) per copy; copy • Photocopy of Sales Drafts RM5.00 - Ringgit Malaysia Five (RM5.00) per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's ’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank under his/her Credit Card Account;. (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the CardholderCardmember. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the Cardholder Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardholder agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee Waived (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder and as follows: Original Sales Drafts RM15.00 per copy; Photocopy of Sales Drafts RM5.00 per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardholder to Maybank under his/her Credit Card Account; (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the Cardholder. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by written notice to the Cardholder and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of CardmembershipCard membership. 8.4 The Malaysian Goods and Services Tax (GST) will be imposed on all fees/charges charged by the Bank to the Cardmember under this Agreement from 1 April 2015 and the Cardmembers agrees to pay the Bank the GST amount as and when notified by the Bank.

Fees and Charges. 8.1 The Cardholder agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual fees are as follows :- Visa or MasterCard Principal Supplementary Or American Express RM60.00 RM30.00 Visa and MasterCard and American Express RM90.00 RM60.00 The Annual fees shall not be refundable. (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder and as follows: Original Sales Drafts RM15.00 per copy; Photocopy of Sales Drafts RM5.00 per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardholder to Maybank under his/her Credit Card Account; (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the Cardholder. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) Calender days written notice to the Cardholder and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardholder Cardmember agrees to pay and authorises Maybank to debit his/his/ her Credit Card Account with the following fees and charges:-charges: (a) Fixed fee of five per centum (5%) on all Cash Withdrawals Advance through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual fees are as follows: • Principal - Free • Supplementary - Free (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 7.4 above. (ed) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder Cardmember and as follows: Original Sales Drafts - RM15.00 per copy; copy Photocopy of Sales Drafts - RM5.00 per copy Statement of Account reprint - RM5.00 per copy; or (fe) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's ’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank under his/her Credit Card Account; (gf) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the CardholderCardmember. 8.2 The annual Government Service Tax of RM100 for 2 Principal Cards and RM50 for each Supplementary Card will be charged to the Card Account upon Card open and renewal anniversary of Cardmembership. 8.3 Notwithstanding the above provisions, Maybank may at its absolute discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the Cardholder Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardholder Cardmember agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual Fees are as follows:- Principal Supplementary Maybankard Manchester United Card FREE FREE (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of RM10 Ringgit Malaysia Ten (RM10.00) for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder Cardmember and as follows: • Original Sales Drafts RM15.00 - Ringgit Malaysia Fifteen (RM15.00) per copy; copy • Photocopy of Sales Drafts RM5.00 - Ringgit Malaysia Five (RM5.00) per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's ’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank under his/her Credit Card Account;. (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the CardholderCardmember. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the Cardholder Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardholder Cardmember agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:-charges: (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual fees are as follows: • Principal - Free • Supplementary - Free (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 7.4 above. (ed) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder Cardmember and as follows: Original Sales Drafts – RM15.00 per copy; copy Photocopy of Sales Drafts - RM5.00 per copy Statement of Account reprint – RM5.00 per copy; or (fe) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's ’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank under his/her Credit Card Account; (gf) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the CardholderCardmember. 8.2 The annual Government Service Tax of RM50 for Principal Card and RM25 for each Supplementary Card will be charged to the Card Account upon Card open and renewal anniversary of Cardmembership. 8.3 Notwithstanding the above provisions, Maybank may at its absolute discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the Cardholder Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardholder Cardmember agrees to pay and authorises Maybank the Bank to debit his/her Credit Card Account with the following fees and charges:-charges: (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual Fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) Supplementary – No Annual Fees The Annual Fees shall not be refundable. (c) Finance Profit charge under Clause 7.2 above. (d) Late payment charge Compensation Fees under Clause 7.3 above. (e) Service charge at such rate as Maybank the Bank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of RM10 Ringgit Malaysia Ten (RM10.00) for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder Cardmember and as follows: • Original Sales Drafts RM15.00 - Ringgit Malaysia Fifteen (RM15.00) per copy; copy • Photocopy of Sales Drafts RM5.00 - Ringgit Malaysia Five (RM5.00) per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank the Bank in the enforcement of Maybank's the Bank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank the Bank under his/her Credit Card Account;. (g) Any other reasonable fees and charges imposed by Maybank the Bank for services and facilities rendered to the CardholderCardmember. 8.2 Notwithstanding the above provisions, Maybank the Bank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the Cardholder Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardholder agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:-charges: (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual fees are as follows: • Basic - Free • Supplementary - Free The Annual fees for the first year are waived. (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (ed) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's ’s cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder and as follows: Original Sales Drafts RM15.00 - RM5.00 per copy; copy Photocopy of Sales Drafts - RM5.00 per copy Hard copy Statement request - RM5.00 per month Statement of Account reprint - RM10.00 per copy; or (fiii) A fee of RM50.00 will be charged for replacement of lost or stolen card (e) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's ’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder to Maybank under his/her Credit Card Account; (gf) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the Cardholder. 8.2 Notwithstanding the above provisions, Maybank may at its absolute discretion vary the rate of such fees and charges by written notice to the Cardholder and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardholder Cardmember agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:-charges: (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual Fees are as follows: Card Principal Supplementary Maybank Manchester United Card FREE FREE (c) Finance charge under Clause 7.2 7.3 above. (d) Late payment charge under Clause 7.3 7.4 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of RM10 Ringgit Malaysia Ten (RM10.00) for each post-dated cheque returned.; or (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder Cardmember and as follows: • Original Sales Drafts RM15.00 - Ringgit Malaysia Fifteen (RM15.00) per copy; copy • Photocopy of Sales Drafts RM5.00 - Ringgit Malaysia Five (RM5.00) per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's ’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank under his/her Credit Card Account;. (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the CardholderCardmember. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the Cardholder Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Malaysian Goods & Services Tax of Ringgit Malaysia Fifty (RM50.00GST) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be imposed on all fees/charges charged by the Bank to our Cardmembers where applicable effective 1 April 2015 at the Credit Card Account upon card open and renewal anniversary of Cardmembershipcurrent prevailing rate.

Fees and Charges. 8.1 The Cardholder cardmember agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals Advance through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten Eighteen (RM10.00RN18.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual fees are as follows :- Visa or MasterCard Principal Supplementary Or American Express RM60.00 RM30.00 Visa and MasterCard and American Express RM90.00 RM60.00 The Annual fees shall not be refundable. (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder cardmember and as follows: Original Sales Drafts RM15.00 draft retrieval fee: RM15 per copy; Photocopy of Sales Drafts RM5.00 per copy; orcopy sales draft. (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardholder cardmember to Maybank under his/her Credit Card Account; (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the CardholderCardmember. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) Calender days written notice to the Cardholder cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Malaysian Goods and Services Tax of Ringgit Malaysia Fifty (RM50.00GST) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be imposed on all fees/charges charged by the Bank to our cardmembers where applicable effective 1 April 2015 at the Credit Card Account upon card open and renewal anniversary of Cardmembershipcurrent prevailing rate.

Fees and Charges. 8.1 10.1 The Cardholder Cardmember agrees to pay and authorises Maybank the Bank to debit his/her Credit his Card Account with the following fees and charges:-following: (ai) Fixed fee Cash Advance Fee (1) Fee of five per centum (5%) % subject to a minimum of RM20.00 on all Cash Withdrawals Advances made through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higherBank’s ATM and Branch. (b2) Entrance fee WaivedFee of 5% subject to a minimum of RM20.00 on all Cash Advances made through other outlets and for all Casino transactions. Finance Charge of 1.5% per month on a daily basis from the date of withdrawal or transaction until full payment is received and credited to the Cardmember’s Card Account by the Bank. (cii) Annual Fees as prescribed by the Bank for Principal Card and each Supplementary Card when issued or renewed. The Annual Fees shall not be refunded. (iii) Finance charge Charge under Clause 7.2 9.2 above. (div) Late payment charge under Clause 7.3 9.3 above. (ev) Service charge at such rate as Maybank the Bank shall at its sole discretion determine for its services rendered and cost costs and expenses incurred in respect of of/or arising from: (ia) Cardholder's cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returnedProduction or copying Transaction Receipts at RM15.00 per duplicate set. (iiib) Production The replacement of lost or photostating Sales Drafts or other documents stolen Card under Clause 5.7. (vi) Monthly statement will be provided to the Cardmember at the no cost. However, any additional statement retrieval request or for the purposes of the Cardholder and as follows: Original Sales Drafts RM15.00 per copy; Photocopy of Sales Drafts will be charged at RM5.00 per copy; orset. (fvii) Legal fees (on a “Solicitor and Client basis”) and other expenses incurred by Maybank the Bank in the enforcement of Maybank's the Bank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank the Bank under his/her Credit his Card Account;. (gviii) Any applicable tax(es) payable, whether currently in force or to be implemented and chargeable by law. (ix) Any other reasonable fees and charges imposed by Maybank the Bank for services and facilities rendered to the CardholderCardmember. 8.2 10.2 Notwithstanding the above provisions, Maybank may at its discretion the Bank shall be entitled to vary the rate or method of such calculation of the Cash Advance Fee, annual fees, handling charges, additional charges, Finance Charge, Interest, rates, the specified minimum payment and/or late payment charges and any other fees and charges by written at 21-day advanced notice to the Cardholder and Cardmember with regard to any such amended rate shall take effect from the date specified in the said noticechange. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardholder Cardmember agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals Advance through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten Eighteen (RM10.00RN18.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual fees are as follows :- Principal Supplementary Visa or MasterCard RM130.00 RM65.00 Visa and MasterCard RM195.00 RM130.00 The Annual fees shall not be refundable. (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder Cardmember and as follows: Original Sales Drafts RM15.00 draft retrieval fee: RM15 per copy; Photocopy of Sales Drafts RM5.00 per copy; orcopy sales draft. (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank under his/her Credit Card Account; (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the CardholderCardmember. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) Calender days written notice to the Cardholder Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Malaysian Goods and Services Tax of Ringgit Malaysia Fifty (RM50.00GST) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be imposed on all fees/charges charged by the Bank to our cardmembers where applicable effective 1 April 2015 at the Credit Card Account upon card open and renewal anniversary of Cardmembershipcurrent prevailing rate.

Fees and Charges. 8.1 The Cardholder Cardmember agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual Fees are as follows: i) First Year Free ii) Subsequent years - RM800.00 (Waived with spending of above RM50,000.00) iii) Supplementary – No Annual Fees The Annual Fees shall not be refundable. (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of RM10 Ringgit Malaysia Ten (RM10.00) for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder Cardmember and as follows: • Original Sales Drafts RM15.00 - Ringgit Malaysia Fifteen (RM15.00) per copy; copy • Photocopy of Sales Drafts RM5.00 - Ringgit Malaysia Five (RM5.00) per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's ’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank under his/her Credit Card Account;. (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the CardholderCardmember. 8.2 Cardmembers will be charged RM50 for each replacement of Priority Pass Card. 8.3 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the Cardholder Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 8.4 Conversion for overseas transaction: (a) The annual Service Tax of amount charged to your card will br converted to Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card on the date transaction is processed. Therefore, the exchange rate will be charged based on the rate determined by Visa at such time. The exchanged rate may differ from the rate in effect on the date transaction due to the Credit Card Account upon card open and renewal anniversary of Cardmembershipmarket fluctuations.

Fees and Charges. 8.1 7.1 The Cardholder Cardmember agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals Advance through the use of the Credit Card under Clause 3.2 2.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual fees are as follows:- Principal RM1,000.00 Supplementary No annual fees* The Annual fees shall not be refundable. (c) Finance charge under Clause 7.2 6.2 above. (d) Late payment charge under Clause 7.3 6.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of RM10 RM10.00 for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder Cardmember and as follows: Original Sales Drafts - RM15.00 per copy; copy Photocopy of Sales Drafts - RM5.00 per copy; or (f) Additional statement request fee: RM5 per month statement (g) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's ’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank under his/her Credit Card Account;. (gh) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the CardholderCardmember. 8.2 Notwithstanding 7.2 Not withstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by written notice to the Cardholder Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 7.3 Conversion for overseas transaction: (a) The annual Service Tax of amount charged to your card will be converted to Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card on the date transaction is processed. Therefore, the exchange rate will be charged based on the rate determined by MasterCard at such time. The exchanged rate may differ from the rate in effect on the date transaction due to the Credit Card Account upon card open and renewal anniversary of Cardmembershipmarket fluctuations.

Fees and Charges. 8.1 8.1. The Cardholder Cardmember agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:-charges: (a) a. Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00RM18.00) per transaction, whichever is higher. (b) Entrance fee Waived (c) Finance charge under Clause 7.2 aboveb. The Annual fees are as follows: Principal – RM 800 Supplementary – RM 550 The Annual fees for the first year are waived with 2 Complimentary Supplementary Cards. (d) c. Late payment charge under Clause 7.3 7.4 above. (e) d. Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's i. Cardmember’s cheque being dishonoured for payment; or (ii) . A service charge of RM10 for each post-dated cheque returned. (iii) . Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder Cardmember and as follows: Original Sales Drafts - RM15.00 per copy; copy Photocopy of Sales Drafts - RM5.00 per copy Statement of Account reprint – RM5.00 per copy; or (f) e. Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's ’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank under his/her Credit Card Account; (g) f. Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the Cardholder.Cardmember 8.2 8.2. Notwithstanding the above provisions, Maybank may at its absolute discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the Cardholder Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 8.3. The annual Service Malaysian Goods & Services Tax of Ringgit Malaysia Fifty (RM50.00GST) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be imposed on all fees/charges charged by the Bank to our Cardmembers where applicable effective 1 April 2015 at the Credit Card Account upon card open and renewal anniversary of Cardmembershipcurrent prevailing rate.

Fees and Charges. 8.1 The Cardholder Cardmember agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals Advance through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten Eighteen (RM10.00RM18.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual fees are as follows :- The Annual fees shall not be refundable. (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder Cardmember and as follows: Original Sales Drafts RM15.00 draft retrieval fee: RM15 per copy; Photocopy of Sales Drafts RM5.00 per copy; orcopy sales draft. (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank under his/her Credit Card Account; (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the CardholderCardmember. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) Calender days written notice to the Cardholder Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Malaysian Goods and Services Tax of Ringgit Malaysia Fifty (RM50.00GST) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be imposed on all fees/charges charged by the Bank to the Credit Card Account upon card open Cardmember under this Agreement from 1 April 2015 and renewal anniversary of Cardmembershipthe Cardmembers agrees to pay the Bank the GST amount as and when notified by the Bank.

Fees and Charges. 8.1 10.1 The Cardholder Cardmember agrees to pay and authorises Maybank the Bank to debit his/her Credit his Card Account with the following fees and charges:-following: (ai) Fixed fee Cash Advance Fee (1) Fee of five per centum (5%) % subject to a minimum of RM20.00 on all Cash Withdrawals Advances made through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higherBank’s ATM and Branch. (b2) Entrance fee WaivedFee of 5% subject to a minimum of RM20.00 on all Cash Advances made through other outlets. Management Fee of 1.5% per month on a daily basis from the date of withdrawal or transaction until full payment is received and credited to the Cardmember’s Card Account by the Bank. (cii) Finance charge Annual Fees as prescribed by the Bank for Principal Card and each Supplementary Card when issued or renewed. The Annual Fees shall not be refunded. (iii) Management Fee under Clause 7.2 9.2 above. (div) Late payment charge under Clause 7.3 9.3 above. (ev) Over Limit Fee of RM50 for any temporary or permanent excess limit granted by the Bank in excess of the Credit Limit. (Permanent or temporary excess limit will not be granted for payment of the Annual Fees, fees imposed by the Bank, any applicable taxes, late payment charge or auto-debit transactions effected on the Card). (vi) Service charge at such rate as Maybank the Bank shall at its sole discretion determine for its services rendered and cost costs and expenses incurred in respect of of/or arising from: (ia) Cardholder's cheque being dishonoured for payment; or (ii) A service charge Production of RM10 for each post-dated cheque returnedoriginal Transaction Receipts at RM15.00 per set. (iiib) Production or photostating Sales Drafts or other documents copying Transactions Receipts at the request or for the purposes of the Cardholder and as follows: Original Sales Drafts RM15.00 per copy; Photocopy of Sales Drafts RM5.00 per copy; orduplicate set. (fc) The replacement of lost or stolen Card under Clause 5.7. (vii) Monthly statement will be provided to the Cardmember at no cost. However, any additional statement retrieval request will be charged at RM5.00 per set. (viii) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank the Bank in the enforcement of Maybank's the Bank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank the Bank under his/her Credit his Card Account;. (gix) Any applicable tax(es) payable, whether currently in force or to be implemented and chargeable by law. (x) Any other reasonable fees and charges imposed by Maybank the Bank from time to time for services and facilities rendered to the CardholderCardmember. 8.2 10.2 Ibra’ (Rebate) The Bank may, from time to time grant a rebate (Ibra’) of Fixed Management fee where the amount will be determined by the Bank. The Ibra’ will be determined: (a) Based on the difference between the Fixed Management Fee and Actual Management Fee ; and (b) When the Actual Management Fee amount charged is lower than Fixed Management Fee. 10.3 Notwithstanding the above provisions, Maybank may the Bank shall be entitled at its sole discretion to vary the rate or method of such calculation of the Cash Advance Fee, annual fees, handling charges, additional charges, Management Fee, rates, the specified minimum payment and/or late payment charges, Over Limit Fee and any other fees and charges by written at 21-day advanced notice to the Cardholder and Cardmember with regard to any such amended rate shall take effect from the date specified in the said noticechange. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 17.1 The Cardholder agrees hereby irrevocably and unconditionally agree to pay and authorises Maybank authorise BSN to debit his/her Credit the Card Account with (or where there are more than one Card Account) for the following fees and charges:-charges which may be determined or varied by BSN from time to time:- (a) Fixed Annual fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Refer to Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higherPDS. (b) Entrance fee WaivedCash Advance Fee Refer Clause 12.2 (c) Finance charge under Charges • Refer Clause 7.2 above.15.1 for Retail Transactions • Refer Clause 12.3 for Cash Advances (d) Late payment charge under Payment Charges Refer Clause 7.3 above.16.1 (e) Service charge at such rate as Maybank shall at its discretion determine Sales Draft Retrieval Fee RM5 per copy (photocopy) and RM15 per original copy in relation to any request by the Cardholder for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes a duplicate copy of the Cardholder and as follows: Original Sales Drafts RM15.00 per copy; Photocopy of Sales Drafts RM5.00 per copy; orDraft. (f) Legal fees (on a Solicitor and Client basis) Fee Costs and other expenses which may be incurred by Maybank BSN in the enforcement of Maybank's right BSN’s rights and entitlement under this Agreement and the recovery of all or any part of monies owed by the Cardholder to Maybank under his/her Credit BSN in the Card Account;. (g) Any other reasonable Replacement Card Fee RM50 for second and subsequent replacement Card issued (first time replacement shall be free of charge). (h) Additional Card Statement Fee RM5 for each additional Card Statement request by the Cardholder. (i) Conversion For Overseas Transactions Refer Clause 10.2 (j) Sales And Services Tax (SST) • Principal Card – RM25 annually per card • Supplementary Card – RM25 annually per card (k) Stamp duty for BSN SSP/BSN Term Deposit pledging RM5 for every RM1,000 credit limit approved. (l) Other fees and charges Shall be imposed by Maybank BSN from time to time for services the Services and facilities rendered to the Cardholder. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by written notice to the Cardholder and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardholder agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee WaivedAnnual fees Principal Supplementary (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder and as follows: Original Sales Drafts RM15.00 per copy; Photocopy of Sales Drafts RM5.00 per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardholder to Maybank under his/her Credit Card Account; (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the Cardholder. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) Calender days written notice to the Cardholder and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardholder Cardmember agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten Eighteen (RM10.00RM18.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual Fees are as follows:- i) First Year Free ii) Subsequent years - RM800.00 (Waived with spending of above RM80,000.00) iii) Supplementary – No Annual Fees The Annual Fees shall not be refundable. (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of RM10 Ringgit Malaysia Ten (RM10.00) for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder Cardmember and as follows: • Original Sales Drafts RM15.00 - Ringgit Malaysia Fifteen (RM15.00) per copy; copy • Photocopy of Sales Drafts RM5.00 - Ringgit Malaysia Five (RM5.00) per copy • Statement of Account reprint - Ringgit Malaysia Five (RM5.00) per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's ’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank under his/her Credit Card Account;. (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the CardholderCardmember. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the Cardholder Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for each Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 7.1 The Cardholder Cardmember agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals Advance through the use of the Credit Card under Clause 3.2 2.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual fees are as follows:- Principal RM1,000.00 Supplementary No annual fees* The Annual fees shall not be refundable. (c) Finance charge under Clause 7.2 6.2 above. (d) Late payment charge under Clause 7.3 6.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of RM10 RM10.00 for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder Cardmember and as follows: Original Sales Drafts - RM15.00 per copy; copy Photocopy of Sales Drafts - RM5.00 per copy; or (f) Additional statement request fee: RM5 per month statement (g) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's ’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank under his/her Credit Card Account;. (gh) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the CardholderCardmember. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by written notice to the Cardholder and such amended rate shall take effect from the date specified in the said notice. 8.3 (i) The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership 7.2 Not withstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by written notice to the Cardmember and such amended rate shall take effect from the date specified in the said notice. 7.3 Conversion for overseas transaction: (a) The amount charged to your card will be converted to Ringgit Malaysia on the date transaction is processed. Therefore, the exchange rate will be based on the rate determined by MasterCard at such time. The exchanged rate may differ from the rate in effect on the date transaction due to market fluctuations.

Fees and Charges. 8.1 10.1 The Cardholder Cardmember agrees to pay and authorises Maybank the Bank to debit his/her Credit his Card Account with the following fees and charges:-following: (ai) Fixed fee Cash Advance Fee (1) Fee of five per centum (5%) % subject to a minimum of RM20.00 on all Cash Withdrawals Advances made through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higherBank’s ATM and Branch. (b2) Entrance fee WaivedFee of 5% subject to a minimum of RM20.00 on all Cash Advances made through other outlets and for all Casino transactions. Finance Charge of 1.5% per month on a daily basis from the date of withdrawal or transaction until full payment is received and credited to the Cardmember’s Card Account by the Bank. (cii) Annual Fees as prescribed by the Bank for Principal Card and each Supplementary Card when issued or renewed. The Annual Fees shall not be refunded. (iii) Finance charge Charge under Clause 7.2 9.2 above. (div) Late payment charge under Clause 7.3 9.3 above. (ev) Service charge at such rate as Maybank the Bank shall at its sole discretion determine for its services rendered and cost costs and expenses incurred in respect of of/or arising from: (ia) Cardholder's cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returnedProduction or copying Transaction Receipts at RM15.00 per duplicate set. (iiib) Production The replacement of lost or photostating Sales Drafts or other documents stolen Card under Clause 5.7. (vi) Monthly statement will be provided to the Cardmember at the no cost. However, any additional statement retrieval request or for the purposes of the Cardholder and as follows: Original Sales Drafts RM15.00 per copy; Photocopy of Sales Drafts will be charged at RM5.00 per copy; orset. (fvii) Legal fees (on a “Solicitor and Client basis”) and other expenses incurred by Maybank the Bank in the enforcement of Maybank's the Bank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank the Bank under his/her Credit his Card Account;. (gviii) Any applicable tax(es) payable, whether currently in force or to be implemented and chargeable by law. (ix) Any other reasonable fees and charges imposed by Maybank the Bank for services and facilities rendered to the CardholderCardmember. 8.2 10.2 Notwithstanding the above provisions, Maybank may at its discretion the Bank shall be entitled to vary the rate or method of such calculation of the Cash Advance Fee, annual fees, handling charges, additional charges, Finance Charge, interest, rates, the specified minimum payment and/or late payment charges and any other fees and charges by written at 21-day advanced notice to the Cardholder and Cardmember with regard to any such amended rate shall take effect from the date specified in the said noticechange. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardholder Cardmember agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten Eighteen (RM10.00RM18.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual Fees are as follows:- i) First Year Free ii) Subsequent years - RM800.00 (Waived with spending of above RM80,000.00) iii) Supplementary – No Annual Fees The Annual Fees shall not be refundable. (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of RM10 Ringgit Malaysia Ten (RM10.00) for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder Cardmember and as follows: Original • Sales Drafts RM15.00 Draft - Ringgit Malaysia Fifteen (RM15.00) per copy • Statement of Account reprint - Ringgit Malaysia Five (RM5.00) per copy; Photocopy of Sales Drafts RM5.00 per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's ’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank under his/her Credit Card Account;. (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the CardholderCardmember. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the Cardholder Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for each Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardholder agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual fees are as follows :- Principal Supplementary Visa or MasterCard Or American Express RM60.00 RM30.00 Visa and MasterCard and American Express RM90.00 RM60.00 The Annual fees shall not be refundable. (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder and as follows: Original Sales Drafts RM15.00 per copy; Photocopy of Sales Drafts RM5.00 per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardholder to Maybank under his/her Credit Card Account; (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the Cardholder. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) Calender days written notice to the Cardholder and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 6.1 The Cardholder agrees to pay and authorises Maybank to debit his/her Credit American Express Charge Card Account with the following fees and charges:-charges: (a) Fixed fee Late payment charges at the rate of five 3.5% per centum (5%) on all Cash Withdrawals through month subject to a minimum of RM50 or such other rate as the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transactionBank may specify from time to time, whichever is highergreater, calculated on the outstanding balance not paid in full on or before the Payment Due Date or where payment is made in full but after the Payment Due Date on the balance as at the Payment Due Date, shall be charged until repayment is made in full. (b) Entrance fee WaivedLate payment charges which remain unpaid after they are due shall be considered as overdue amount. (c) Finance charge under Clause 7.2 aboveThe Annual fees on each card type as may be notified by Maybank from time to time. The Annual fees Charged shall not be refundable. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine from time to time or at such rate as herein provided for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returned. (iiiii) Production or photostating photocopying of Sales Drafts or other documents at the request or for the purposes of the Cardholder and Cardholders as followsfollow: Original Sales Drafts RM15.00 Rm15 per copy; : Photocopy of Sales Drafts RM5.00 RM5 per copy; or (fiii) Reprinting of statement of account at RM5 per page. (e) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's ’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder to Maybank under his/her Credit the Cardholder’s American Express Charge Card Account; (gf) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the Cardholder. 8.2 6.3 The annual RM50 and RM25 Service Tax imposed on each Basic and Supplementary Card respectively will be charged to the Card Account on the anniversary date pr upon renewal. Notwithstanding the above provisions, Maybank may the Bank shall entitled at its sole discretion to vary the rate of any fees, charges, late payment charges and/or the method of calculation at any time and from time to time and such fees and charges variation or change may be notified by written notice the Bank to the Cardholder Company through notice in the Statement of account and/or through any other manner that the Bank deems fit and such amended rate variation or change shall take effect from the date specified in the said noticenotice described herein. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 7.1 The Cardholder agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 2.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) The Entrance fee Waivedand Annual fees are as follows :- Principal Supplementary Visa or MasterCard Or American Express RM60.00 RM30.00 Visa and MasterCard and American Express RM90.00 RM60.00 The Annual fees shall not be refundable. (c) Finance charge under Clause 7.2 6.2 above. (d) Late payment charge under Clause 7.3 6.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's cheque being dishonoured for payment; or (ii) A service charge of RM10 for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder and as follows: Original Sales Drafts RM15.00 per copy; Photocopy of Sales Drafts RM5.00 per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardholder to Maybank under his/her Credit Card Account; (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the Cardholder. 8.2 7.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by written notice to the Cardholder and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardholder Cardmember agrees to pay and authorises Maybank to debit his/her Credit Card Account with the following fees and charges:- (a) Fixed fee of five per centum (5%) on all Cash Withdrawals through the use of the Credit Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) Entrance fee WaivedThe Annual Fees are as follows:- i) First Year Free ii) Subsequent years - RM800.00 (Waived with spending of above RM80,000.00) iii) Supplementary – No Annual Fees The Annual Fees shall not be refundable. (c) Finance charge under Clause 7.2 above. (d) Late payment charge under Clause 7.3 above. (e) Service charge at such rate as Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardholder's Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of RM10 Ringgit Malaysia Ten (RM10.00) for each post-dated cheque returned. (iii) Production or photostating Sales Drafts or other documents at the request or for the purposes of the Cardholder Cardmember and as follows: Original Sales Drafts RM15.00 per copy; Photocopy of Sales Drafts RM5.00 per copy; orü 2ULJLQDO 6DOHV 'UDIWV - 5LQJJLW 0DOD\VLD )LIWHHQ (50ƇƋ.ƆƆ) SHU FRS\ ü 3KRWRFRS\ RI 6DOHV 'UDIWV - 5LQJJLW 0DOD\VLD )LYH (50Ƌ.ƆƆ) SHU FRS\ ü 6WDWHPHQW RI $FFRXQW UHSULQW - 5LQJJLW 0DOD\VLD )LYH (50Ƌ.ƆƆ) SHU FRS\ (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by Maybank in the enforcement of Maybank's ’s right and entitlement under this Agreement and the recovery of monies owed by the Cardholder Cardmember to Maybank under his/her Credit Card Account;. (g) Any other reasonable fees and charges imposed by Maybank for services and facilities rendered to the CardholderCardmember. 8.2 Notwithstanding the above provisions, Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the Cardholder Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 The annual Service Tax of Ringgit Malaysia Fifty (RM50.00) for each Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card will be charged to the Credit Card Account upon card open and renewal anniversary of Cardmembership.