Common use of Fees and Charges Clause in Contracts

Fees and Charges. 8.1 The Cardmember agrees to pay and authorises the Bank to debit his/her 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 Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) The 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) Profit charge under Clause 7.2 above. (d) Compensation Fees under Clause 7.3 above. (e) Service charge at such rate as the Bank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) per copy (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank in the enforcement of the Bank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank under his/her Card Account. (g) Any other reasonable fees and charges imposed by the Bank for services and facilities rendered to the Cardmember. 8.2 Notwithstanding the above provisions, the Bank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the 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 Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardmember agrees to pay and authorises the Bank Maybank to debit his/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 (RM10.00) per transaction, whichever is higher. (b) The Annual Fees fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) follows: • Principal - Free • Supplementary – No Annual Fees The Annual Fees shall not be refundable.- Free (c) Profit Late payment charge under Clause 7.2 7.4 above. (d) Compensation Fees under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy Statement of Account reprint - RM5.00 per copy (fe) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account.; (gf) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 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, the Bank Maybank may at its absolute discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the 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 Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardmember Cardholder agrees to pay and authorises the Bank 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) The Annual Fees fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) follows :- Visa or MasterCard Principal Supplementary – No Annual Fees Or American Express RM60.00 RM30.00 Visa and MasterCard and American Express RM90.00 RM60.00 The Annual Fees fees shall not be refundable. (c) Profit Finance charge under Clause 7.2 above. (d) Compensation Fees Late payment charge under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s Cardholder's cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember Cardholder and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • copy; Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the Bank’s Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardmember Cardholder to the Bank Maybank under his/her Credit Card Account.; (g) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the CardmemberCardholder. 8.2 Notwithstanding the above provisions, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar Calender days written notice to the Cardmember 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 Cardmember Cardholder agrees to pay and authorises the Bank 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) The 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.Entrance fee Waived (c) Profit Finance charge under Clause 7.2 above. (d) Compensation Fees Late payment charge under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s Cardholder's cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember Cardholder and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • copy; Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the Bank’s Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardmember Cardholder to the Bank Maybank under his/her Credit Card Account.; (g) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the CardmemberCardholder. 8.2 Notwithstanding the above provisions, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the Cardmember 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 Cardmember agrees to pay and authorises the Bank 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) The Annual Fees fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) follows: • Principal - Free • Supplementary – No Annual Fees The Annual Fees shall not be refundable.- Free (c) Profit Late payment charge under Clause 7.2 7.4 above. (d) Compensation Fees under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) – RM15.00 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy Statement of Account reprint – RM5.00 per copy (fe) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account.; (gf) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 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, the Bank Maybank may at its absolute discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the 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 Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardmember agrees to pay and authorises the Bank 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) The Annual Fees are as follows:- i) First Year follows:- Principal Supplementary Maybankard Manchester United Card FREE 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) Profit Finance charge under Clause 7.2 above. (d) Compensation Fees Late payment charge under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) per copy (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account. (g) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 Notwithstanding the above provisions, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the 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 Cardmember Cardholder agrees to pay and authorises the Bank 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) The Annual Fees fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) follows :- Visa or MasterCard Principal Supplementary – No Annual Fees Or American Express RM130.00 RM65.00 Visa and MasterCard and American Express RM195.00 RM130.00 The Annual Fees fees shall not be refundable. (c) Profit Finance charge under Clause 7.2 above. (d) Compensation Fees Late payment charge under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s Cardholder's cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember Cardholder and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • copy; Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the Bank’s Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardmember Cardholder to the Bank Maybank under his/her Credit Card Account.; (g) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the CardmemberCardholder. 8.2 Notwithstanding the above provisions, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar Calender days written notice to the Cardmember 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 Cardmember agrees to pay and authorises the Bank 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) The Annual Fees are as follows:- i) First Year FREEFree 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) Profit Finance charge under Clause 7.2 above. (d) Compensation Fees Late payment charge under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) per copy (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account. (g) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 Notwithstanding the above provisions, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the 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 Cardmember agrees to pay and authorises the Bank 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 Eighteen (RM10.00RM18.00) per transaction, whichever is higher. (b) The Annual Fees are as follows:- i) First Year FREEFree ii) Subsequent years – - RM800.00 (Waived with spending of above RM50,000.00RM80,000.00) iii) Supplementary – No Annual Fees The Annual Fees shall not be refundable. (c) Profit Finance charge under Clause 7.2 above. (d) Compensation Fees Late payment charge under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of 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 Cardmember and as follows: • Original Sales Drafts Draft - Ringgit Malaysia Fifteen (RM15.00) per copy • Photocopy Statement of Sales Drafts Account reprint - Ringgit Malaysia Five (RM5.00) per copy (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account. (g) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 Notwithstanding the above provisions, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the 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 Cardmember Cardholder agrees to pay and authorises the Bank 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 2.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higher. (b) The Entrance fee and Annual Fees fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) follows :- Principal Supplementary – No Annual Fees Visa or MasterCard Or American Express RM60.00 RM30.00 Visa and MasterCard and American Express RM90.00 RM60.00 The Annual Fees fees shall not be refundable. (c) Profit Finance charge under Clause 7.2 6.2 above. (d) Compensation Fees Late payment charge under Clause 7.3 6.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s Cardholder's cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember Cardholder and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • copy; Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the Bank’s Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardmember Cardholder to the Bank Maybank under his/her Credit Card Account.; (g) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the CardmemberCardholder. 8.2 7.2 Notwithstanding the above provisions, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the Cardmember 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 Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardmember agrees to pay and authorises the Bank 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 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) The Annual Fees 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 follows :- The Annual Fees fees shall not be refundable. (c) Profit Finance charge under Clause 7.2 above. (d) Compensation Fees Late payment charge under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) draft retrieval fee: RM15 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) per copysales draft. (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the Bank’s Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account.; (g) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 Notwithstanding the above provisions, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar Calender days written notice to the 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 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 The Cardmember agrees to pay and authorises the Bank 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) The Annual Fees are as follows:- i) First Year follows: Card Principal Supplementary Maybank Manchester United Card FREE 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) Profit Finance charge under Clause 7.2 7.3 above. (d) Compensation Fees Late payment charge under Clause 7.3 7.4 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) per copy (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account. (g) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 Notwithstanding the above provisions, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the 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 Card Account upon card open and renewal anniversary of Cardmembershipcurrent prevailing rate.

Fees and Charges. 8.1 7.1 The Cardmember agrees to pay and authorises the Bank 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 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) The Annual Fees fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) follows:- Principal RM1,000.00 Supplementary – No Annual Fees annual fees* The Annual Fees fees shall not be refundable. (c) Profit Finance charge under Clause 7.2 6.2 above. (d) Compensation Fees Late payment charge under Clause 7.3 6.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy (f) Additional statement request fee: RM5 per month statement (g) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account. (gh) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 Notwithstanding 7.2 Not withstanding the above provisions, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the 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 Card Account upon card open and renewal anniversary of Cardmembershipmarket fluctuations.

Fees and Charges. 8.1 8.1. The Cardmember agrees to pay and authorises the Bank Maybank to debit his/her Credit Card Account with the following fees and 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) b. The Annual Fees fees are as follows:- i) First Year FREE ii) Subsequent years follows: Principal – RM800.00 (Waived with spending of above RM50,000.00) iii) RM 800 Supplementary – No Annual Fees RM 550 The Annual Fees shall not be refundablefees for the first year are waived with 2 Complimentary Supplementary Cards. (c) Profit c. Late payment charge under Clause 7.2 7.4 above. (d) Compensation Fees under Clause 7.3 above. (e) d. Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) i. Cardmember’s cheque being dishonoured for payment; or (ii) . A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy Statement of Account reprint – RM5.00 per copy (f) e. Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account.; (g) f. Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 8.2. Notwithstanding the above provisions, the Bank Maybank may at its absolute discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the 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 Card Account upon card open and renewal anniversary of Cardmembershipcurrent prevailing rate.

Fees and Charges. 8.1 The Cardmember agrees to pay and authorises the Bank Maybank to debit his/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 (RM10.00) per transaction, whichever is higher. (b) The Annual Fees fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) follows: • Principal - Free • Supplementary – No Annual Fees The Annual Fees shall not be refundable.- Free (c) Profit Late payment charge under Clause 7.2 7.4 above. (d) Compensation Fees under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy Statement of Account reprint - RM5.00 per copy (fe) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account.; (gf) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 The annual Government Service Tax of RM100 for 2 Principal Cards 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, the Bank Maybank may at its absolute discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the 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 Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 6.1 The Cardmember Cardholder agrees to pay and authorises the Bank Maybank to debit his/her American Express Charge Card Account with the following fees and 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 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) Late payment charges which remain unpaid after they are due shall be considered as overdue amount. (c) The Annual Fees are fees on each card type as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) Supplementary – No Annual Fees may be notified by Maybank from time to time. The Annual Fees fees Charged shall not be refundable. (c) Profit charge under Clause 7.2 above. (d) Compensation Fees under Clause 7.3 above. (e) Service charge at such rate as the Bank 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) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember and Cardholders as followsfollow: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) Rm15 per copy • copy: Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5 per copy (fiii) Reprinting of statement of account at RM5 per page. (e) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember Cardholder to Maybank under the Bank under his/her Cardholder’s American Express Charge Card Account.; (gf) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the CardmemberCardholder. 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, the Bank may 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 Twenty One (21) calendar days written notice the Bank to the Cardmember 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 Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardmember agrees to pay and authorises the Bank 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 Eighteen (RM10.00RM18.00) per transaction, whichever is higher. (b) The Annual Fees are as follows:- i) First Year FREEFree ii) Subsequent years – - RM800.00 (Waived with spending of above RM50,000.00RM80,000.00) iii) Supplementary – No Annual Fees The Annual Fees shall not be refundable. (c) Profit Finance charge under Clause 7.2 above. (d) Compensation Fees Late payment charge under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) per copy • Statement of Account reprint - Ringgit Malaysia Five (RM5.00) per copy (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account. (g) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 Notwithstanding the above provisions, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the 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 Cardmember agrees to pay and authorises the Bank 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) The Annual Fees are as follows:-follows: i) First Year FREEFree 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) Profit Finance charge under Clause 7.2 above. (d) Compensation Fees Late payment charge under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) per copy (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account. (g) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 Cardmembers will be charged RM50 for each replacement of Priority Pass Card. 8.3 Notwithstanding the above provisions, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the 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 Card Account upon card open and renewal anniversary of Cardmembershipmarket fluctuations.

Fees and Charges. 8.1 10.1 The Cardmember agrees to pay and authorises the Bank to debit his/her his Card Account with the following fees and chargesfollowing: (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 Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higherBank’s ATM and Branch. (b2) The Fee 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. (ii) Annual Fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) prescribed by the Bank for Principal Card and each Supplementary – No Annual Fees Card when issued or renewed. The Annual Fees shall not be refundablerefunded. (ciii) Profit charge Finance Charge under Clause 7.2 9.2 above. (div) Compensation Fees Late payment charge under Clause 7.3 9.3 above. (ev) Service charge at such rate as 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) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 at the request or for the purposes of stolen Card under Clause 5.7. (vi) Monthly statement will be provided to the Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) at no cost. However, any additional statement retrieval request will be charged at RM5.00 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) per copyset. (fvii) Legal fees (on a “Solicitor and Client basis”) and other expenses incurred by the Bank in the enforcement of the Bank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank under his/her 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 the Bank for services and facilities rendered to the Cardmember. 8.2 10.2 Notwithstanding the above provisions, the Bank may at its discretion 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 Twenty One (at 21) calendar days written -day advanced notice to the Cardmember and 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 Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 7.1 The Cardmember agrees to pay and authorises the Bank 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 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) The Annual Fees fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) follows:- Principal RM1,000.00 Supplementary – No Annual Fees annual fees* The Annual Fees fees shall not be refundable. (c) Profit Finance charge under Clause 7.2 6.2 above. (d) Compensation Fees Late payment charge under Clause 7.3 6.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy (f) Additional statement request fee: RM5 per month statement (g) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account. (gh) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 Notwithstanding the above provisions, the Bank may at its discretion vary the rate of such fees and charges by Twenty One (21i) calendar days written notice to the 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 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 The Cardmember cardmember agrees to pay and authorises the Bank 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 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) The Annual Fees fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) follows :- Visa or MasterCard Principal Supplementary – No Annual Fees Or American Express RM60.00 RM30.00 Visa and MasterCard and American Express RM90.00 RM60.00 The Annual Fees fees shall not be refundable. (c) Profit Finance charge under Clause 7.2 above. (d) Compensation Fees Late payment charge under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) draft retrieval fee: RM15 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) per copysales draft. (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the Bank’s Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardmember cardmember to the Bank Maybank under his/her Credit Card Account.; (g) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 Notwithstanding the above provisions, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar Calender days written notice to the Cardmember 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 Card Account upon card open and renewal anniversary of Cardmembershipcurrent prevailing rate.

Fees and Charges. 8.1 8.1. The Cardmember agrees to pay and authorises the Bank Maybank to debit his/her Credit Card Account with the following fees and 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 Eighteen (RM10.00RM18.00) per transaction, whichever is higher. (b) b. The Annual Fees fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) follows: Principal - RM250 Supplementary – No Annual Fees - RM125 The Annual Fees shall not be refundablefees for the first year are waived. (c) Profit c. Late payment charge under Clause 7.2 7.5 above. (d) Compensation Fees under Clause 7.3 above. (e) d. Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) i. Cardmember’s cheque being dishonoured for payment; or (ii) . A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy Statement of Account reprint – RM5.00 per copy (f) e. Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account.; (g) f. Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 8.2. Notwithstanding the above provisions, the Bank Maybank may at its absolute discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the 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 Card Account upon card open and renewal anniversary of Cardmembershipcurrent prevailing rate.

Fees and Charges. 8.1 8.1. The Cardmember agrees to pay and authorises the Bank Maybank to debit his/her Credit Card Account with the following fees and 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 (RM10.00) per transaction, whichever is higher. (b) b. The Annual Fees fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) follows: Principal - RM250 Supplementary – No Annual Fees - RM125 The Annual Fees shall not be refundablefees for the first year are waived. (c) Profit c. Late payment charge under Clause 7.2 7.5 above. (d) Compensation Fees under Clause 7.3 above. (e) d. Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) i. Cardmember’s cheque being dishonoured for payment; or (ii) . A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy Statement of Account reprint – RM5.00 per copy (f) e. Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account.; (g) f. Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 8.2. Notwithstanding the above provisions, the Bank Maybank may at its absolute discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the 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 Card Account upon card open and renewal anniversary of Cardmembershipcurrent prevailing rate.

Fees and Charges. 8.1 8.1. The Cardmember agrees to pay and authorises the Bank Maybank to debit his/her Credit Card Account with the following fees and charges: (a) 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) b. The Annual Fees fees are as follows:-follows: i) First Year FREEi. Principal - 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.Free (c) Profit c. Late payment charge under Clause 7.2 7.4 above. (d) Compensation Fees under Clause 7.3 above. (e) d. Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) i. Cardmember’s cheque being dishonoured for payment; or (ii) . A service charge of Ringgit Malaysia Ten (RM10.00) RM10 for each post-dated cheque returned. (iii) . Production or photostating Photostatting Sales Drafts or other documents at the request or for the purposes of the Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy • Statement of Account reprint - RM5.00 per copy (f) e. Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account.; (g) f. Any other reasonable fees and charges imposed by the Bank for services Maybank forservices and facilities rendered to the Cardmember. 8.2 8.2. Notwithstanding the above provisions, the Bank Maybank may at its absolute discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 8.3. The annual Service Ministry of Finance (“MOF”) has announced that the Good and Services Tax of Ringgit Malaysia Fifty (RM50.00“GST”) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card standard rate will be charged changed from six percent (6%) to the Card Account upon card open and renewal anniversary of Cardmembershipzero percent (0%) effective 1 June 2018.

Fees and Charges. 8.1 8.1. The Cardmember agrees to pay and authorises the Bank Maybank to debit his/her Credit Card Account with the following fees and charges: (a) 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) b. The Annual Fees fees are as follows:-follows: i) First Year FREEi. Principal - 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.Free (c) Profit c. Late payment charge under Clause 7.2 7.4 above. (d) Compensation Fees under Clause 7.3 above. (e) d. Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) i. Cardmember’s cheque being dishonoured for payment; or (ii) . A service charge of Ringgit Malaysia Ten (RM10.00) RM10 for each post-dated cheque returned. (iii) . Production or photostating Photostatting Sales Drafts or other documents at the request or for the purposes of the Cardmember and as follows: •  Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy •  Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy  Statement of Account reprint - RM5.00 per copy (f) e. Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account.; (g) f. Any other reasonable fees and charges imposed by the Bank for services Maybank forservices and facilities rendered to the Cardmember. 8.2 8.2. Notwithstanding the above provisions, the Bank Maybank may at its absolute discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 8.3. The annual Service Ministry of Finance (“MOF”) has announced that the Good and Services Tax of Ringgit Malaysia Fifty (RM50.00“GST”) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card standard rate will be charged changed from six percent (6%) to the Card Account upon card open and renewal anniversary of Cardmembershipzero percent (0%) effective 1 June 2018.

Fees and Charges. 8.1 8.1. The Cardmember agrees to pay and authorises the Bank Maybank to debit his/her Credit Card Account with the following fees and 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 (RM10.00) per transaction, whichever is higher. (b) b. The Annual Fees fees are as follows:- i) First Year FREE ii) Subsequent years follows: Principal – RM800.00 (Waived with spending of above RM50,000.00) iii) RM70 Supplementary – No Annual Fees RM45 The Annual Fees shall not be refundablefees for the first year are waived with 2 Complimentary Supplementary Cards. (c) Profit c. Late payment charge under Clause 7.2 7.5 above. (d) Compensation Fees under Clause 7.3 above. (e) d. Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) i. Cardmember’s cheque being dishonoured for payment; or (ii) . A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy Statement of Account reprint – RM5.00 per copy (f) e. Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account.; (g) f. Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 8.2. Notwithstanding the above provisions, the Bank Maybank may at its absolute discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the Cardmember and such amended rate shall take effect from the date specified in the said notice. 8.3 8.3. The annual Service Ministry of Finance (“MOF”) has announced that the Good and Services Tax of Ringgit Malaysia Fifty (RM50.00“GST”) for Principal Card and Ringgit Malaysia Twenty Five (RM25.00) for each Supplementary Card standard rate will be charged changed from six percent (6%) to the Card Account upon card open and renewal anniversary of Cardmembershipzero percent (0%) effective 1 June 2018.

Fees and Charges. 8.1 The Cardmember Cardholder agrees to pay and authorises the Bank 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) The 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.fees Principal Supplementary (c) Profit Finance charge under Clause 7.2 above. (d) Compensation Fees Late payment charge under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s Cardholder's cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember Cardholder and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • copy; Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the Bank’s Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardmember Cardholder to the Bank Maybank under his/her Credit Card Account.; (g) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the CardmemberCardholder. 8.2 Notwithstanding the above provisions, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar Calender days written notice to the Cardmember 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 Cardmember agrees to pay and authorises the Bank 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) The Annual Fees fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) follows: • Principal - Free • Supplementary – No Annual Fees The Annual Fees shall not be refundable.- Free (c) Profit Late payment charge under Clause 7.2 7.4 above. (d) Compensation Fees under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy Statement of Account reprint – RM5.00 per copy (fe) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account.; (gf) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 The annual 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, the Bank Maybank may at its absolute discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the 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 Card Account upon card open and renewal anniversary of Cardmembership.

Fees and Charges. 8.1 The Cardmember agrees to pay and authorises the Bank 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 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) The Annual Fees fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) follows :- Principal Supplementary – No Annual Fees Visa or MasterCard RM130.00 RM65.00 Visa and MasterCard RM195.00 RM130.00 The Annual Fees fees shall not be refundable. (c) Profit Finance charge under Clause 7.2 above. (d) Compensation Fees Late payment charge under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) draft retrieval fee: RM15 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) per copysales draft. (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the Bank’s Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account.; (g) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 8.2 Notwithstanding the above provisions, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar Calender days written notice to the 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 Card Account upon card open and renewal anniversary of Cardmembershipcurrent prevailing rate.

Fees and Charges. 8.1 The Cardmember Cardholder agrees to pay and authorises the Bank 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) The Annual Fees fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) follows :- Principal Supplementary – No Annual Fees Visa or MasterCard Or American Express RM60.00 RM30.00 Visa and MasterCard and American Express RM90.00 RM60.00 The Annual Fees fees shall not be refundable. (c) Profit Finance charge under Clause 7.2 above. (d) Compensation Fees Late payment charge under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s Cardholder's cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember Cardholder and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • copy; Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy; or (f) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the Bank’s Maybank's right and entitlement under this Agreement and the recovery of monies owed by the Cardmember Cardholder to the Bank Maybank under his/her Credit Card Account.; (g) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the CardmemberCardholder. 8.2 Notwithstanding the above provisions, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar Calender days written notice to the Cardmember 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 Cardmember agrees to pay and authorises the Bank 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) First two (2) Supplementary Cards shall be free. The 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 fees shall not be refundable. (c) Profit charge Late payment charges under Clause 7.2 7.4 above. (d) Compensation Fees under Clause 7.3 above. (e) Service charge at such rate as the Bank Maybank shall at its discretion determine for its services rendered and cost and expenses incurred in respect of or arising from: (i) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) RM15.00 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) RM5.00 per copy Statement of Account Reprint - RM5.00 per copy (fe) Legal fees (on a Solicitor and Client basis) and other expenses incurred by the Bank Maybank in the enforcement of the BankMaybank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank Maybank under his/her Credit Card Account.; (gf) Any other reasonable fees and charges imposed by the Bank Maybank for services and facilities rendered to the Cardmember. 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, the Bank Maybank may at its discretion vary the rate of such fees and charges by Twenty One (21) calendar days written notice to the 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 Card Account upon card open and renewal anniversary of Cardmembership.One

Fees and Charges. 8.1 10.1 The Cardmember agrees to pay and authorises the Bank to debit his/her his Card Account with the following fees and chargesfollowing: (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 Card under Clause 3.2 (b) or Ringgit Malaysia Ten (RM10.00) per transaction, whichever is higherBank’s ATM and Branch. (b2) The Fee 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. (ii) Annual Fees are as follows:- i) First Year FREE ii) Subsequent years – RM800.00 (Waived with spending of above RM50,000.00) iii) prescribed by the Bank for Principal Card and each Supplementary – No Annual Fees Card when issued or renewed. The Annual Fees shall not be refundablerefunded. (ciii) Profit charge Finance Charge under Clause 7.2 9.2 above. (div) Compensation Fees Late payment charge under Clause 7.3 9.3 above. (ev) Service charge at such rate as 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) Cardmember’s cheque being dishonoured for payment; or (ii) A service charge of Ringgit Malaysia Ten (RM10.00) 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 at the request or for the purposes of stolen Card under Clause 5.7. (vi) Monthly statement will be provided to the Cardmember and as follows: • Original Sales Drafts - Ringgit Malaysia Fifteen (RM15.00) at no cost. However, any additional statement retrieval request will be charged at RM5.00 per copy • Photocopy of Sales Drafts - Ringgit Malaysia Five (RM5.00) per copyset. (fvii) Legal fees (on a “Solicitor and Client basis”) and other expenses incurred by the Bank in the enforcement of the Bank’s right and entitlement under this Agreement and the recovery of monies owed by the Cardmember to the Bank under his/her 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 the Bank for services and facilities rendered to the Cardmember. 8.2 10.2 Notwithstanding the above provisions, the Bank may at its discretion 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 Twenty One (at 21) calendar days written -day advanced notice to the Cardmember and 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 Card Account upon card open and renewal anniversary of Cardmembership.