Common use of OVERSEAS TRANSACTIONS Clause in Contracts

OVERSEAS TRANSACTIONS. 14.1 The Cardmember may use the Card outside Malaysia where there are Authorised Merchants and / or Authorised Cash Outlets. 14.2 The Cardmember may use the Card for Cash Withdrawal through designated ATMs installed in such approved countries as shall be announced by the Bank and / or any Merchant Affiliate of American Express® or Visa International from time to time. 14.3 All debts if incurred in a currency other than the Billing Currency shall, before being debited to the Card Account, being converted into the Billing Currency at such prevailing rate of exchange as may be determined by the Bank as at the date of entry into the Card Account. 14.4 For foreign charges converted by Visa, the amount charged to the Card will be converted to Ringgit Malaysia on the date of transaction is processed. The exchange rate will be based on the rate determined by Visa International at such time. The exchange rate may differ from the rate in the effect on the date of transaction due to market fluctuations. 14.5 For foreign charges converted by American Express®, American Express® applies a conversion factor of 2.5% to the converted amount. A charge that is made in foreign currency other than U.S. Dollars will, when the conversion is done by American Express®, be converted into U.S. Dollars before being converted into Billing Currency, Ringgit Malaysia. 14.6 Wherever applicable, the Cardmember shall authorise the Bank to take such steps to comply with the relevant Exchange Control Regulation issued by Bank Negara Malaysia in respect of any overseas transactions.

OVERSEAS TRANSACTIONS. 14.1 The Cardmember may use the Card outside Malaysia where there are Authorised Merchants and / or and/or Authorised Cash Outlets. 14.2 The Cardmember may use the Card for Cash Withdrawal through designated ATMs installed in such approved countries as shall be announced by the Bank and / or and/or any Merchant Affiliate of American Express® or Visa International from time to time. 14.3 All debts if incurred in a currency other than the Billing Currency shall, before being debited to the Card Account, being converted into the Billing Currency at such prevailing rate of exchange as may be determined by the Bank as at the date of entry into the Card Account. 14.4 For foreign charges converted by Visa, the amount charged to the Card will be converted to Ringgit Malaysia on the date of transaction is processed. The exchange rate will be based on the rate determined by Visa International at such time. The exchange rate may differ from the rate in the effect on the date of transaction due to market fluctuations. 14.5 For foreign charges converted by American Express®, American Express® applies a conversion factor of 2.5% to the converted amount. A charge that is made in foreign currency other than U.S. Dollars will, when the conversion is done by American Express®, be converted into U.S. Dollars before being converted into Billing Currency, Ringgit Malaysia. 14.6 Wherever applicable, the Cardmember shall authorise the Bank to take such steps to comply with the relevant Exchange Control Regulation issued by Bank Negara Malaysia in respect of any overseas transactions.

OVERSEAS TRANSACTIONS. 14.1 The Cardmember may use the Card outside Malaysia where there are Authorised Merchants and / or and/or Authorised Cash Outletsoutlets. 14.2 The Cardmember may use the Card for Cash Withdrawal through designated ATMs installed in such approved countries as shall be announced by the Bank and / or and/or any Merchant Affiliate of American Expressexpress® or Visa International from time to time. 14.3 All debts if incurred in a currency other than the Billing Currency shall, before being debited to the Card Account, being converted into the Billing Currency at such prevailing rate of exchange as may be determined by the Bank as at the date of entry into the Card Account. 14.4 For foreign charges converted by Visa, the amount charged to the Card will be converted to Ringgit ringgit Malaysia on the date of transaction is processed. The exchange rate will be based on the rate determined by Visa International at such time. The exchange rate may differ from the rate in the effect on the date of transaction due to market fluctuations. 14.5 For foreign charges converted by American Expressexpress®, American Expressexpress® applies a conversion factor of 2.5% to the converted amount. A charge that is made in foreign currency other than U.S. U.s. Dollars will, when the conversion is done by American Expressexpress®, be converted into U.S. U.s. Dollars before being converted into Billing Currency, Ringgit ringgit Malaysia. 14.6 Wherever applicable, the Cardmember shall authorise the Bank to take such steps to comply with the relevant Exchange exchange Control Regulation regulation issued by Bank Negara negara Malaysia in respect of any overseas transactions.

OVERSEAS TRANSACTIONS. 14.1 13.1 The Cardmember may use the Credit Card outside Malaysia where there are Authorised Merchants and / or and/or Authorised Cash Outlets. 14.2 13.2 The Cardmember may use the Credit Card for Cash Withdrawal cash withdrawal through designated ATMs installed in such approved countries as shall be announced by the Bank and / or Maybank and/or any Merchant Affiliate of American Express® or Visa International Express from time to time. 14.3 All debts if incurred 13.3 Where the Cardmember uses the Credit Card outside Malaysia, the transactions shall be charged in a the official currency other than of the Billing Currency shall, before being debited to the Card Account, being country concerned and converted into the Billing Currency Ringgit Malaysia at such prevailing exchange rate of exchange and at such time as may be it is determined by American Express or MasterCard 13.4 Wherever applicable, the Cardmember shall authorise Maybank to take such steps to comply with the relevant Exchange Control Regulation issued by Bank as at the date Negara Malaysia in respect of entry into the Card Accountany overseas transactions. 14.4 For foreign charges converted by Visa, the amount charged to the Card will be converted to Ringgit Malaysia on the date of transaction is processed. The exchange rate will be based on the rate determined by Visa International at such time. The exchange rate may differ from the rate in the effect on the date of transaction due to market fluctuations. 14.5 For 13.5 All foreign charges converted by American Express®, American Express® applies Express apply a conversion factor of 2.5% to the converted amount. A charge that is made in foreign currency other than U.S. Dollars will, when the conversion is done by American Express®, be converted into U.S. Dollars before being converted into Billing Currency, Ringgit Malaysiain your billing currency. 14.6 Wherever applicable13.6 Transactions conducted outside Malaysia will be converted to Ringgit Malaysia on the date the transaction is received and / or processed. The exchange rate may differ from the rate charged on the date of transaction due to market fluctuation. Exchange rate will be based on the rate determined by Visa International, MasterCard International or American Express at such time. In addition you will also have to pay an administrative cost of 1% or at such other rate as shall be determined by Maybank for the Cardmember shall authorise conversion of the Bank to take such steps to comply with the relevant Exchange Control Regulation issued by Bank Negara Malaysia transaction made in respect of any overseas transactionsforeign currency.