Common use of Supplementary Card Clause in Contracts

Supplementary Card. 4.1 Upon the Principal Cardmember’s request and and the Supplementary Xxxxxxxxxx’s signing of the necessary documents, RHB Bank may issue a Supplementary Card to a Supplementary Cardmember. 4.2 RHB Bank may collect from either the Principal Cardmember or the Supplementary Cardmember the whole of the outstanding balances in any or all of the Card Accounts related to the Supplementary Card without giving up any of its rights against the Principal Cardmember or the Supplementary Cardmember. (a) The Supplementary Card may be cancelled by the Cardmember in accordance with Clause 2.6. (b) Upon such cancellation, Clauses 11.4 and 11.5 will apply. (c) Both the Principal Cardmember and the Supplementary Cardmember continue to be bound by and be liable under this Agreement in respect of the Supplementary Card until the Supplementary Card is cancelled. (d) Although the Supplementary Card has been cancelled, the Principal Cardmember and the Supplementary Cardmember continue to be liable for all obligations and all breaches of this Agreement in respect of the Supplementary Card existing prior to such cancellation. (a) The Principal Cardmember agrees to ensure that each Supplementary Xxxxxxxxxx observes and performs, in addition to any other agreements which may be entered into between RHB Bank and the Supplementary Cardmember, all the terms and conditions of this Agreement on the part of the Principal Cardmember to observe and perform in respect of the Supplementary Card. (b) However, a Supplementary Cardmember will not be liable for the debts of the Principal Cardmember or other Supplementary Cardmembers. 4.5 RHB Bank is not liable to the Cardmember for any losses or claims suffered by or brought against the Cardmember arising as a result of the cancellation of the Card due to the Cardmember’s act, omission, default, negligence and/or misconduct. 4.6 Where a Supplementary Cardmember has executed a Card Application Form or where this Agreement is intended to bind a Supplementary Cardmember, the Supplementary Cardmember agrees that, unless otherwise provided, all the covenants of the Principal Cardmember are binding on the Supplementary Cardmember as though the Supplementary Cardmember is named as the Principal Cardmember in this Agreement and all references to the term “Cardmember” in this Agreement, where applicable, is deemed to refer to the Supplementary Cardmember.

Supplementary Card. 4.1 Upon 6.1 At the request of the Principal Cardmember’s request , the Bank may, at its sole and and the Supplementary Xxxxxxxxxx’s signing of the necessary documentsabsolute discretion, RHB Bank may issue a Supplementary Card to a the Supplementary Cardmember. All the terms and conditions applicable herein to the Cardmember shall apply mutatis mutandis (i.e. with the necessary changes) to the Supplementary Cardmember and for such purpose the terms “the Cardmember” and “the Card” shall be read and construed as if the terms “Supplementary Cardmember” and “Supplementary Card” were substituted therefore unless expressly excluded. 4.2 RHB Bank may collect from either 6.2 The Principal Cardmember shall be liable solely and wholly for all charges incurred by the Principal Cardmember or and/or by the Supplementary Cardmember under the whole Card Account. Further, the Principal Cardmember shall be liable to ensure that the Supplementary Cardmember shall observe all terms, conditions and obligations herein set out. The Supplementary Cardmember however, shall only be responsible for his/her own liabilities and obligations. 6.3 The Supplementary Card issued may be cancelled at the request of the outstanding balances Principal Cardmember in any or all of the Card Accounts related to writing accompanied by the Supplementary Card without giving up any cut in half and returned to the Bank or by the removal/destruction of its rights against the Principal Cardmember or chip in the Supplementary Cardmember. (a) The Supplementary Card may be cancelled by provided that such cancellation shall not affect the Cardmember in accordance with Clause 2.6. (b) Upon parties’ rights and entitlement, duties and obligations accrued before such cancellation, Clauses 11.4 and 11.5 will apply. (c) Both the Principal Cardmember and the Supplementary Cardmember continue to be bound by and be liable under this Agreement in respect . Upon termination of use of the Supplementary Card until under any circumstances or at the Supplementary Card is cancelled. (d) Although the Supplementary Card has been cancelled, the Principal Cardmember and the Supplementary Cardmember continue to be liable for all obligations and all breaches of this Agreement in respect of the Supplementary Card existing prior to such cancellation. (a) The Principal Cardmember agrees to ensure that each Supplementary Xxxxxxxxxx observes and performs, in addition to any other agreements which may be entered into between RHB Bank and the Supplementary Cardmember, all the terms and conditions of this Agreement on the part request of the Principal Cardmember to observe and perform in respect the use of all Supplementary Card(s) shall also be terminated. Termination of the Supplementary Card. (b) However, use of a Supplementary Cardmember Card will not be liable for terminate the debts of the Principal Cardmember or other Supplementary Cardmembers. 4.5 RHB Bank is not liable to the Cardmember for any losses or claims suffered by or brought against the Cardmember arising as a result of the cancellation use of the Card due to the Cardmember’s act, omission, default, negligence and/or misconduct. 4.6 Where a Supplementary Cardmember has executed a Card Application Form or where this Agreement is intended to bind a Supplementary Cardmember, the Supplementary Cardmember agrees that, unless otherwise provided, all the covenants of by the Principal Cardmember are binding on the Supplementary Cardmember as though the Supplementary Cardmember is named as the Principal Cardmember in this Agreement and all references to the term “Cardmember” in this Agreement, where applicable, is deemed to refer to the Supplementary Cardmember.

Supplementary Card. 4.1 Upon 5.1 At the request of the Principal Cardmember’s request Cardholder, RHB Islamic Ban k may at its discretion and and subject to the Supplementary Xxxxxxxxxx’s signing of Cardholder executing the necessary documentsdocuments and/or agreements required by RHB Islamic Bank in its discretion, RHB Bank may issue a Supplementary Card to a Supplementary CardmemberCardholder. 4.2 5.2 RHB Islamic Bank may collect from either the Principal Cardmember Cardholder or the Supplementary Cardmember Cardholder the whole of the outstanding balances in any or all of the Card Accounts related to the Supplementary Card without giving up any of its rights against the Principal Cardmember Cardholder or the Supplementary CardmemberCardholder. (a) 5.3 The Supplementary Card may be cancelled upon notification in writing by the Cardmember in accordance with Clause 2.6. (b) Upon such cancellation, Clauses 11.4 Cardholder to RHB Card Centre. The notice shall be accompanied by the Supplementary Card which shall be cut across the magnetic stripe and 11.5 will apply. (c) Both chip ensuring it is completely damaged and returned to RHB Card Centre provided always that both the Principal Cardmember Cardholder and the Supplementary Cardmember Cardholder shall continue to be bound by and be liable under the Terms and Conditions of this Agreement in respect of the Supplementary Card until RHB Islamic Bank has actually received the Supplementary Card is cancelled. (d) Although and cancelled the same. Notwithstanding the cancellation of the Supplementary Card has been cancelledCard, the Principal Cardmember Cardholder and the Supplementary Cardmember Cardholder shall also continue to be liable for all obligations and all breaches of this Agreement incurred in respect of the Supplementary Card existing prior to such cancellation. (a) 5.4 The Principal Cardmember agrees Cardholder undertakes and warrants to RHB Islamic Bank that the Principal Cardholder shall ensure that each Supplementary Xxxxxxxxxx Cardholder observes and performs, in addition to any other agreements which may be entered into between RHB Islamic Bank and the Supplementary CardmemberCardholder, all the terms Terms and conditions of Conditions for this Agreement on the part of the Principal Cardmember to observe and perform in respect Supplementary Cardholder with the part of the Principal Cardholder in the same way with the necessary changes, being varied according to the circumstances of the case as though such Supplementary Card. (b) However, Cardholder is a party to this Agreement save and except that a Supplementary Cardmember will Cardholder shall not be jointly or severally liable for the debts of the Principal Cardmember Cardholder or other Supplementary CardmembersCardholder. 4.5 5.5 RHB Islamic Bank is shall not be liable to the Cardmember Cardholder for any losses or claims suffered by or brought against the Cardmember Cardholder arising as a result of or in consequence of the failure of the Cardholder to return or cause to be returned the Supplementary Card cut in half upon the cancellation of the Card due to the Cardmember’s act, omission, default, negligence and/or misconductsame. 4.6 Where 5.6 Save and except where otherwise expressly provided, where a Supplementary Cardmember Cardholder has executed a Card Application Form or where this Agreement is intended to bind a Supplementary CardmemberCardholder, the Supplementary Cardmember agrees thatCardholder agrees, acknowledges and confirms that unless otherwise provided, all the covenants of the Principal Cardmember are Cardholder shall be binding on the Supplementary Cardmember Cardholder as though the Supplementary Cardmember Cardholder is named as the Principal Cardmember in this Agreement Cardholder herein and that all references to the term “CardmemberCardholder” in this Agreement, where applicable, is Agreement shall be deemed to refer to the Supplementary CardmemberCardholder unless the reference is repugnant to the context herein or unless otherwise provided.

Supplementary Card. 4.1 5.1 Upon the Principal CardmemberCardholder’s request and and the Supplementary XxxxxxxxxxCardholder’s signing of the necessary documents, RHB Islamic Bank may issue a Supplementary Card to a Supplementary CardmemberCardholder. 4.2 5.2 RHB Islamic Bank may collect from either the Principal Cardmember Cardholder or the Supplementary Cardmember Cardholder the whole of the outstanding balances in any or all of the Card Accounts related to the Supplementary Card without giving up any of its rights against the Principal Cardmember Cardholder or the Supplementary CardmemberCardholder. (a) The Supplementary Card may be cancelled by the Cardmember Cardholder in accordance with Clause 2.63.6. (b) Upon such cancellation, Clauses 11.4 12.4 and 11.5 will 12.5 apply. (c) Both the Principal Cardmember Cardholder and the Supplementary Cardmember Cardholder continue to be bound by and be liable under this Agreement in respect of the Supplementary Card until the Supplementary Card is cancelled. (d) Although the Supplementary Card has been cancelled, the Principal Cardmember Cardholder and the Supplementary Cardmember Cardholder continue to be liable for all obligations and all breaches of this Agreement in respect of the Supplementary Card existing prior to such cancellation. (a) The Principal Cardmember Cardholder agrees to ensure that each Supplementary Xxxxxxxxxx Cardholder observes and performs, in addition to any other agreements which may be entered into between RHB Islamic Bank and the Supplementary CardmemberCardholder, all the terms and conditions of this Agreement on the part of the Principal Cardmember Cardholder to observe and perform in respect of the Supplementary Card. (b) However, a Supplementary Cardmember Cardholder will not be liable for the debts of the Principal Cardmember Cardholder or other Supplementary CardmembersCardholder. 4.5 5.5 RHB Islamic Bank is not liable to the Cardmember Cardholder for any losses or claims suffered by or brought against the Cardmember Cardholder arising as a result of the cancellation of the Card due to the CardmemberCardholder’s act, omission, default, negligence and/or misconduct. 4.6 5.6 Where a Supplementary Cardmember Cardholder has executed a Card Application Form or where this Agreement is intended to bind a Supplementary CardmemberCardholder, the Supplementary Cardmember Cardholder agrees that, unless otherwise provided, all the covenants of the Principal Cardmember Cardholder are binding on the Supplementary Cardmember Cardholder as though the Supplementary Cardmember Cardholder is named as the Principal Cardmember Cardholder in this Agreement and all references to the term “CardmemberCardholder” in this Agreement, where applicable, is deemed to refer to the Supplementary CardmemberCardholder.

Supplementary Card. 4.1 Upon 1. Samba may upon the Principal Cardmember’s request and and the Supplementary Xxxxxxxxxx’s signing of the necessary documentsCard Member, RHB at its sole discretion and subject to such additional terms and conditions which the Bank may deems necessary, issue a Supplementary Card to a Supplementary Cardmemberperson nominated by the Card Member. 4.2 RHB Bank may collect from either 2. Supplementary Cards can only be issued to persons over 18 years of age. 3. The Supplementary Card shall be subject to all the Principal Cardmember or Terms and Conditions of the Primary Card and by the activation and/or usage of the Supplementary Cardmember Card, the whole Supplementary Card Member agrees to be bound by the Terms and Conditions of the outstanding balances in any or Primary Card. 4. Both the Supplementary Card Member and the Primary Card Member shall be liable jointly and severally for all costs, goods and services and cash advances obtained, all Card Transactions and all other charges generated by the use of the Supplementary Card(s). 5. The Primary Card Accounts related Member shall be fully liable to Samba for all charges and other liabilities incurred by the Supplementary Card Member notwithstanding any dispute between the Primary Card Member and the Supplementary Card Member in relation thereto. 6. The Primary Card Member shall indemnify Samba against any loss, damage, liability, costs and expenses, whether legal or otherwise, incurred or suffered by Samba by reason of any breach of these Terms and Conditions by the Supplementary Card Member. 7. The Credit Limit assigned to the Supplementary Card without giving up any Member is inclusive of its rights against the Principal Cardmember or Credit Limit of the Primary Card Member. 8. At the request of the Primary Card Member Samba may assign the Supplementary CardmemberCard Member with a specific limit that shall constitute the maximum credit limit on the Supplementary Card. However, this in no way absolves the Primary Card Member from being fully liable to Samba for debts incurred by the Supplementary Card Member in excess of the maximum credit limit assigned to the Supplementary Card Member. (a) 9. The Supplementary Card may be cancelled by the Cardmember in accordance with Clause 2.6. (b) Upon such cancellation, Clauses 11.4 and 11.5 will apply. (c) Both the Principal Cardmember and the Supplementary Cardmember continue to be bound by and be liable under this Agreement in respect validity of the Supplementary Card until is dependent upon the validity of the Primary Card. Upon termination of the Primary Card, for whatever reason, the Supplementary Card is cancelledCards(s) shall also be terminated. (d) Although the 10. These Terms and Conditions apply when a Supplementary Card has been cancelled, the Principal Cardmember and the Supplementary Cardmember continue to be liable requested for all obligations and all breaches through an approved medium/channel of this Agreement in respect of the Supplementary Card existing prior to such cancellationSamba. (a) The Principal Cardmember agrees to ensure that each Supplementary Xxxxxxxxxx observes and performs, in addition to any other agreements which may be entered into between RHB Bank and the Supplementary Cardmember, all the terms and conditions of this Agreement on the part of the Principal Cardmember to observe and perform in respect of the Supplementary Card. (b) However, a Supplementary Cardmember will not be liable for the debts of the Principal Cardmember or other Supplementary Cardmembers. 4.5 RHB Bank is not liable to the Cardmember for any losses or claims suffered by or brought against the Cardmember arising as a result of the cancellation of the Card due to the Cardmember’s act, omission, default, negligence and/or misconduct. 4.6 Where a Supplementary Cardmember has executed a Card Application Form or where this Agreement is intended to bind a Supplementary Cardmember, the Supplementary Cardmember agrees that, unless otherwise provided, all the covenants of the Principal Cardmember are binding on the Supplementary Cardmember as though the Supplementary Cardmember is named as the Principal Cardmember in this Agreement and all references to the term “Cardmember” in this Agreement, where applicable, is deemed to refer to the Supplementary Cardmember.

Supplementary Card. 4.1 Upon 3.1 At the request of the Principal Cardmember’s request , KFH Malaysia may and and subject to the Supplementary Xxxxxxxxxx’s signing of Cardmember executing the necessary documents, RHB Bank may documents and/or agreements required by KFH Malaysia issue a Supplementary Card to a Supplementary CardmemberCardmember . 4.2 RHB Bank may collect from either 3.2 The Principal Cardmember undertakes and warrants to KFH Malaysia that the Principal Cardmember or the Supplementary Cardmember the whole of the outstanding balances in any or all of the Card Accounts related to the Supplementary Card without giving up any of its rights against the Principal Cardmember or the Supplementary Cardmember. (a) The Supplementary Card may be cancelled by the Cardmember in accordance with Clause 2.6. (b) Upon such cancellation, Clauses 11.4 and 11.5 will apply. (c) Both the Principal Cardmember and the Supplementary Cardmember continue to be bound by and be liable under this Agreement in respect of the Supplementary Card until the Supplementary Card is cancelled. (d) Although the Supplementary Card has been cancelled, the Principal Cardmember and the Supplementary Cardmember continue to be liable for all obligations and all breaches of this Agreement in respect of the Supplementary Card existing prior to such cancellation. (a) The Principal Cardmember agrees to shall ensure that each Supplementary Xxxxxxxxxx Cardmember observes and performs, in addition to any other agreements which may be entered into between RHB Bank KFH Malaysia and the Supplementary Cardmember, all the terms and conditions of for this Agreement on the part of the Supplementary Cardmember to observe and perform in the same way with the part of the Principal Cardmember to observe and perform in the same way with the necessary changes, being varied according to the circumstances of the case as though such Supplementary Cardmember is a party to this Agreement. 3.3 The Supplementary Card may be cancelled upon notification in writing by the Cardmember to KFH Malaysia. The notice shall be accompanied by the Supplementary Card which shall be cut in half across the magnetic stripe and chip, and returned to KFH Malaysia provided always that both the Principal Cardmember and the Supplementary Cardmember shall continue to be bound by and be liable under the terms and conditions of this Agreement in respect of the Supplementary Card until KFH Malaysia has actually received the Supplementary Card and cancelled the same. Notwithstanding the cancellation of the Supplementary Card. (b) However, a the Principal Cardmember and the Supplementary Cardmember will not shall also continue to be liable for the debts all charges incurred in respect of the Principal Cardmember or other Supplementary CardmembersCard prior to such cancellation. 4.5 RHB Bank is 3.4 KFH Malaysia shall not be liable to the Cardmember for any losses or claims suffered by or brought against the Cardmember arising as a result of or in consequence of the failure of the Cardmember to return or cause to be returned the Supplementary Card cut in half upon the cancellation of the Card due to the Cardmember’s act, omission, default, negligence and/or misconductsame. 4.6 Where 3.5 Save and except where otherwise expressly provided, where a Supplementary Cardmember has executed a Card Application Form the application form or where this Agreement is intended to bind a Supplementary supplementary Cardmember, the Supplementary Cardmember agrees thatagrees, acknowledges and confirms that unless otherwise provided, all the covenants of the Principal Cardmember are shall be binding on the Supplementary Cardmember as though the Supplementary Cardmember is named as the Principal Cardmember in this Agreement herein and that all references to the term “CardmemberCardmember ” in this Agreement, where applicable, is Agreement shall be deemed to refer to the supplementary Cardmember unless the reference is repugnant to the context herein or unless otherwise provided. 3.6 The utilization of the Supplementary CardmemberCard by the Supplementary Cardmember is tagged to the Designated Account. The usage is limited to the amount assigned by the Principal Cardmember and/or subject to the available balance of the Designated Account.

Supplementary Card. 4.1 Upon the Principal Cardmember’s request and and the Supplementary XxxxxxxxxxCardmember’s signing of the necessary documents, RHB Bank may issue a Supplementary Card to a Supplementary Cardmember. 4.2 RHB Bank may collect from either the Principal Cardmember or the Supplementary Cardmember the whole of the outstanding balances in any or all of the Card Accounts related to the Supplementary Card without giving up any of its rights against the Principal Cardmember or the Supplementary Cardmember. (a) The Supplementary Card may be cancelled by the Cardmember in accordance with Clause 2.6. (b) Upon such cancellation, Clauses 11.4 and 11.5 will apply. (c) Both the Principal Cardmember and the Supplementary Cardmember continue to be bound by and be liable under this Agreement in respect of the Supplementary Card until the Supplementary Card is cancelled. (d) Although the Supplementary Card has been cancelled, the Principal Cardmember and the Supplementary Cardmember continue to be liable for all obligations and all breaches of this Agreement in respect of the Supplementary Card existing prior to such cancellation. (a) The Principal Cardmember agrees to ensure that each Supplementary Xxxxxxxxxx Cardmember observes and performs, in addition to any other agreements which may be entered into between RHB Bank and the Supplementary Cardmember, all the terms and conditions of this Agreement on the part of the Principal Cardmember to observe and perform in respect of the Supplementary Card. (b) However, a Supplementary Cardmember will not be liable for the debts of the Principal Cardmember or other Supplementary Cardmembers. 4.5 RHB Bank is not liable to the Cardmember for any losses or claims suffered by or brought against the Cardmember arising as a result of the cancellation of the Card due to the Cardmember’s act, omission, default, negligence and/or misconduct. 4.6 Where a Supplementary Cardmember has executed a Card Application Form or where this Agreement is intended to bind a Supplementary Cardmember, the Supplementary Cardmember agrees that, unless otherwise provided, all the covenants of the Principal Cardmember are binding on the Supplementary Cardmember as though the Supplementary Cardmember is named as the Principal Cardmember in this Agreement and all references to the term “Cardmember” in this Agreement, where applicable, is deemed to refer to the Supplementary Cardmember.

Supplementary Card. 4.1 Upon At the request of the Principal Cardmember’s request and and the Supplementary Xxxxxxxxxx’s signing of the necessary documents, RHB Bank may at its sole discretion and subject to the Supplementary Cardmember executing the necessary documents and/or agreements required by RHB Bank in its absolute discretion, issue a Supplementary Card to a Supplementary CardmemberSupplementaryCardmember. 4.2 RHB Bank may collect from either the Principal Cardmember or the Supplementary Cardmember the whole of the outstanding balances in any or all of the Card Accounts related to the Supplementary Card without giving up any of its rights against the Principal Cardmember or the Supplementary Cardmember. (a) 4.3 The Supplementary Card may be cancelled upon notifications in writing by the Cardmember in accordance with Clause 2.6. (b) Upon such cancellation, Clauses 11.4 to RHB Bank. The notice shall be accompanied by the Supplementary Card be but across the magnetic stripe and 11.5 will apply. (c) Both chip ensuring it is completely damaged and returned to RHB Bank provided always that both the Principal Cardmember and the Supplementary Cardmember shall continue to be bound by and be liable under the terms and conditions of this Agreement in respect of the Supplementary Card until RHB Bank has actually received the Supplementary Card is cancelled. (d) Although and cancelled and terminated the same. Notwithstanding the cancellation of the Supplementary Card has been cancelledCard, the Principal Cardmember and the Supplementary Cardmember shall also continue to be liable for all obligations and all breaches of this Agreement incurred in respect of the Supplementary Card existing prior to such cancellation. (a) 4.4 The Principal Cardmember agrees undertakes and warrants to RHB Bank that the Principal Cardmember shall ensure that each Supplementary Xxxxxxxxxx Cardmember observes and performs, in addition to any other agreements which may be entered into between RHB Bank and the Supplementary Cardmember, all the terms and conditions of this Agreement on the part of the Principal Cardmember to observe and perform in respect the same way with the necessary changes, being varied according to the circumstances of the case as though such Supplementary Card. (b) However, Cardmember is a party to this Agreement save and except that a Supplementary Cardmember will shall not be jointly or severally liable for the debts of the Principal Cardmember or other Supplementary Cardmembers. 4.5 RHB Bank is shall not be liable to the Cardmember for any losses or claims suffered by or brought against the Cardmember arising as a result of or in consequence of the failure of the Cardmember to return or cause to be returned the Supplementary Card cut in half upon the cancellation of the Card due to the Cardmember’s act, omission, default, negligence and/or misconductsame. 4.6 Where Save and except where otherwise expressly provided, where a Supplementary Cardmember has executed a Card Application Form or where this Agreement is intended to bind a Supplementary Cardmember, the Supplementary Cardmember agrees thatagrees, acknowledges and confirms that unless otherwise provided, provided all the covenants of the Principal Cardmember are shall be binding on the Supplementary Cardmember as though the Supplementary Cardmember is named as the Principal Cardmember in this Agreement herein and that all references to the term “Cardmember” in this Agreement, where applicable, is Agreement shall be deemed to refer to the Supplementary CardmemberCardmember unless the reference is repugnant to that context herein or unless otherwise provided.

Supplementary Card. 4.1 Upon the Principal Cardmember’s request and and the Supplementary Xxxxxxxxxx’s signing 9.1. On application of the necessary documents, RHB Cardmember the Bank may issue a Supplementary Card to any person as nominated by the Cardmember and approved by the Bank. All Supplementary Cards including renewal and replacement Cards shall be sent in accordance with the terms and conditions noted herein at the Cardmember’s or Supplementary Cardmember’s last known billing address at the sole risk of the Cardmember. If a Card is issued to a Supplementary Cardmember then Cardmember must ensure that the Supplementary Cardmember binds by these Terms and Conditions, since the Cardmember alone is liable to the Bank for all Charges and Liabilities and other costs and expenses incurred or payable by the Cardmember and or the Supplementary Cardmember. The Credit Limit assigned to the Cardmember is inclusive of the Credit Limit of the Supplementary Cardmember moreover the Cardmember and the Supplementary Cardmember shall not permit the total of the Charges incurred under or through their respective Cards to exceed such Credit Limit. The Cardmember accordingly agrees and undertakes to ensure that the foreign currency balances maintained in their or Supplementary Cardmember’s account shall cover, at all times, the amount of the applicable Credit Limit assigned to their respective Card and their respective Charges incurred pursuant thereof. 9.2. The undertakings, liabilities and obligations of the Cardmember to the Bank and the Bank’s rights herein shall not be affected in any way by any dispute or counter claim or right of set-off which the Cardmember and the Supplementary Cardmember may have against each other. As provided in clause 8.2, the Cardmember shall be liable as principal debtor to pay the Bank for all Charges and Liabilities incurred by the Supplementary Cardmember (notwithstanding any legal disability or incapacity of the Supplementary Cardmember which would otherwise preclude such liability). The Cardmember hereby indemnifies the Bank against any losses, damages, Liabilities, costs and expenses whether legal or otherwise, incurred or suffered by the Bank by reason of any breach of these Terms and Conditions by the Supplementary Cardmember or by the Cardmember. 4.2 RHB Bank may collect from either 9.3. Any payment made by the Principal Cardmember or the Supplementary Cardmember to the whole Bank shall be used towards reduction of the outstanding debit balances in any or all of the Card Accounts related to the Supplementary Card without giving up any of its rights against the Principal Cardmember or the Supplementary Cardmember. (a) The Supplementary Card may be cancelled by Account but the Cardmember in accordance with Clause 2.6. (b) Upon such cancellation, Clauses 11.4 and 11.5 will apply. (c) Both the Principal Cardmember and the Supplementary Cardmember shall continue to be bound by and be liable under this Agreement in respect of the Supplementary Card until the Supplementary Card is cancelled. (d) Although the Supplementary Card has been cancelled, the Principal Cardmember and the Supplementary Cardmember continue to be remain liable for all obligations and all breaches of this Agreement in respect of the Supplementary Card existing prior to such cancellation. (a) The Principal Cardmember agrees to ensure that each Supplementary Xxxxxxxxxx observes and performsany outstanding post- payment debit balances, if any, in addition to any other agreements which may be entered into between RHB Bank and the Supplementary Cardmember, all the terms and conditions of this Agreement on the part of the Principal Cardmember to observe and perform in respect of the Supplementary Card. (b) However, a Supplementary Cardmember will not be liable for the debts of the Principal Cardmember or other Supplementary Cardmembers. 4.5 RHB Bank is not liable to the Cardmember for any losses or claims suffered by or brought against the Cardmember arising as a result of the cancellation of the Card due to the Cardmember’s act, omission, default, negligence and/or misconductAccount. 4.6 Where a Supplementary Cardmember has executed a Card Application Form or where this Agreement is intended to bind a Supplementary Cardmember, the Supplementary Cardmember agrees that, unless otherwise provided, all the covenants of the Principal Cardmember are binding on the Supplementary Cardmember as though the Supplementary Cardmember is named as the Principal Cardmember in this Agreement and all references to the term “Cardmember” in this Agreement, where applicable, is deemed to refer to the Supplementary Cardmember.

Supplementary Card. 4.1 Upon the Principal Cardmember’s request and and the Supplementary Xxxxxxxxxx’s signing 9.1. On application of the necessary documents, RHB Cardmember the Bank may issue a Supplementary Card to any person as nominated by the Cardmember and approved by the Bank. All Supplementary Cards including renewal and replacement Cards shall be sent in accordance with the terms and conditions noted herein at the Cardmember’s or Supplementary Cardmember’s last known billing address at the sole risk of the Cardmember. If a Card is issued to a Supplementary Cardmember then Cardmember must ensure that the Supplementary Cardmember binds by these Terms and Conditions, since the Cardmember alone is liable to the Bank for all Charges and Liabilities and other costs and expenses incurred or payable by the Cardmember and or the Supplementary Cardmember. The Credit Limit assigned to the Cardmember is inclusive of the Credit Limit of the Supplementary Cardmember moreover the Cardmember and the Supplementary Cardmember shall not permit the total of the Charges incurred under or through their respective Cards to exceed such Credit Limit. The Cardmember accordingly agrees and undertakes to ensure that the foreign currency balances maintained in their or Supplementary Cardmember’s account shall cover, at all times, the amount of the applicable Credit Limit assigned to their respective Card and their respective Charges incurred pursuant thereof. 9.2. The undertakings, liabilities and obligations of the Cardmember to the Bank and the Bank’s rights herein shall not be affected in any way by any dispute or counter claim or right of set-off which the Cardmember and the Supplementary Cardmember may have against each other. As provided in clause 8.2, the Cardmember shall be liable as principal debtor to pay the Bank for all Charges and Liabilities incurred by the Supplementary Cardmember (notwithstanding any legal disability or incapacity of the Supplementary Cardmember which would otherwise preclude such liability). The Cardmember hereby indemnifies the Bank against any losses, damages, Liabilities, costs and expenses whether legal or otherwise, incurred or suffered by the Bank by reason of any breach of these Terms and Conditions by the Supplementary Cardmember or by the Cardmember. 4.2 RHB Bank may collect from either 9.3. Any payment made by the Principal Cardmember or the Supplementary Cardmember to the whole 38 39 Bank shall be used towards reduction of the outstanding debit balances in any or all of the Card Accounts related to the Supplementary Card without giving up any of its rights against the Principal Cardmember or the Supplementary Cardmember. (a) The Supplementary Card may be cancelled by Account but the Cardmember in accordance with Clause 2.6. (b) Upon such cancellation, Clauses 11.4 and 11.5 will apply. (c) Both the Principal Cardmember and the Supplementary Cardmember shall continue to be bound by and be liable under this Agreement in respect of the Supplementary Card until the Supplementary Card is cancelled. (d) Although the Supplementary Card has been cancelled, the Principal Cardmember and the Supplementary Cardmember continue to be remain liable for all obligations and all breaches of this Agreement in respect of the Supplementary Card existing prior to such cancellation. (a) The Principal Cardmember agrees to ensure that each Supplementary Xxxxxxxxxx observes and performsany outstanding post- payment debit balances, if any, in addition to any other agreements which may be entered into between RHB Bank and the Supplementary Cardmember, all the terms and conditions of this Agreement on the part of the Principal Cardmember to observe and perform in respect of the Supplementary Card. (b) However, a Supplementary Cardmember will not be liable for the debts of the Principal Cardmember or other Supplementary Cardmembers. 4.5 RHB Bank is not liable to the Cardmember for any losses or claims suffered by or brought against the Cardmember arising as a result of the cancellation of the Card due to the Cardmember’s act, omission, default, negligence and/or misconductAccount. 4.6 Where a Supplementary Cardmember has executed a Card Application Form or where this Agreement is intended to bind a Supplementary Cardmember, the Supplementary Cardmember agrees that, unless otherwise provided, all the covenants of the Principal Cardmember are binding on the Supplementary Cardmember as though the Supplementary Cardmember is named as the Principal Cardmember in this Agreement and all references to the term “Cardmember” in this Agreement, where applicable, is deemed to refer to the Supplementary Cardmember.

Supplementary Card. 4.1 Upon 16.1 If we issue a Supplementary Card, this Clause 16 and all the other clauses except for Clause 17 shall apply to the Supplementary Card. (a) The Supplementary Card, PIN, Statement and all communication will be given to the Principal Cardmember’s request and and the Supplementary Xxxxxxxxxx’s signing of the necessary documents, RHB Bank may issue a Supplementary Card to a Supplementary Cardmember. 4.2 RHB Bank may collect from (b) All communication given to either the Principal Cardmember or the Supplementary Cardmember the whole of the outstanding balances in any or all of the Card Accounts related shall be treated as communication given to the Supplementary Card without giving up any of its rights against the Principal Cardmember or the Supplementary Cardmember. (a) The Supplementary Card may be cancelled by the Cardmember in accordance with Clause 2.6. (b) Upon such cancellation, Clauses 11.4 and 11.5 will applyboth. (c) Both the The Principal Cardmember and the each Supplementary Cardmember continue agree to be bound by and be liable under this Agreement in respect all instructions made by any of the Supplementary Card until the Supplementary Card is cancelled. (d) Although the Supplementary Card has been cancelled, the Principal Cardmember and the Supplementary Cardmember continue to be liable for all obligations and all breaches of this Agreement other Cardmembers or any third party authorised in respect of the Supplementary Card existing prior to such cancellation. (a) The Principal Cardmember agrees to ensure that each Supplementary Xxxxxxxxxx observes and performs, in addition to any other agreements which may be entered into between RHB Bank and the Supplementary Cardmember, all the terms and conditions of this Agreement on the part of writing by the Principal Cardmember to observe operate the Card Account. 16.3 The Principal Cardmember is liable for the Outstanding Balance (whether or not incurred by the Principal Cardmember or any Supplementary Cardmember) and perform the Principal Cardmember is jointly and severally liable with each Supplementary Cardmember in respect of the relation to each Supplementary Card. (b) However, a 16.4 Each Supplementary Cardmember will not be is fully liable for such part of the debts Outstanding Balance in connection with his Supplementary Card, but is not liable for such part of the Outstanding Balance incurred by the Principal Cardmember or other Supplementary Cardmembers. 4.5 RHB Bank is 16.5 All your liabilities and obligations shall not liable to be affected in any way by any dispute or counterclaim or right of set-off which the Principal Cardmember for and any losses or claims suffered by or brought Supplementary Cardmember may have against the Cardmember arising as a result of the cancellation of the Card due to the Cardmember’s act, omission, default, negligence and/or misconducteach other. 4.6 Where a Supplementary Cardmember has executed a Card Application Form 16.6 A discharge or where this Agreement is intended to bind a Supplementary Cardmember, the Supplementary Cardmember agrees that, unless otherwise provided, all the covenants waiver of any liability of the Principal Cardmember are binding on the or any Supplementary Cardmember as though for any reason shall not affect the Supplementary Cardmember rights and liabilities of the other Cardmembers. 16.7 The Credit Limit in respect of the Card Account is named as the combined limit of both the Principal Cardmember in this Agreement and all references to the term “Cardmember” in this Agreement, where applicable, is deemed to refer to the Supplementary Cardmember. (a) We are entitled to apply any payment received for the Card Account in payment of either the amount owed by the Principal Cardmember or the Supplementary Cardmember in any manner we think fit. (b) We are entitled, at any time and without notice or liability, to combine the Card Account with any other accounts maintained by the Principal Cardmember with us and set-off or transfer any monies standing to the credit of such accounts towards the full or partial discharge of any sum owed by Principal Cardmember and any Supplementary Cardmember to us. 16.9 The Principal Cardmember may terminate the use of any Supplementary Card at any time in accordance with Clause 11.1. Each Supplementary Cardmember may terminate the use of his Supplementary Card in accordance with Clause 11.1.

Supplementary Card. 4.1 Upon 5.1 At the request of the Principal Cardmember’s request Cardholder, RHB Islamic Ban k may at its discretion and and subject to the Supplementary Xxxxxxxxxx’s signing of Cardholder executing the necessary documentsdocuments and/or agreements required by RHB Islamic Bank in its discretion, RHB Bank may issue a Supplementary Card to a Supplementary CardmemberCardholder. 4.2 5.2 RHB Islamic Bank may collect from either the Principal Cardmember Cardholder or the Supplementary Cardmember Cardholder the whole of the outstanding balances in any or all of the Card Accounts related to the Supplementary Card without giving up any of its rights against the Principal Cardmember Cardholder or the Supplementary CardmemberCardholder. (a) 5.3 The Supplementary Card may be cancelled upon notification in writing by the Cardmember in accordance with Clause 2.6. (b) Upon such cancellation, Clauses 11.4 Cardholder to RHB Card Centre. The notice shall be accompanied by the Supplementary Card which shall be cut across the magnetic stripe and 11.5 will apply. (c) Both chip ensuring it is completely damaged and returned to RHB Card Centre provided always that both the Principal Cardmember Cardholder and the Supplementary Cardmember Cardholder shall continue to be bound by and be liable under the Terms and Conditions of this Agreement in respect of the Supplementary Card until RHB Islamic Bank has actually received the Supplementary Card is cancelled. (d) Although and cancelled the same. Notwithstanding the cancellation of the Supplementary Card has been cancelledCard, the Principal Cardmember Cardholder and the Supplementary Cardmember Cardholder shall also continue to be liable for all obligations and all breaches of this Agreement incurred in respect of the Supplementary Card existing prior to such cancellation. (a) 5.4 The Principal Cardmember agrees Cardholder undertakes and warrants to RHB Islamic Bank that the Principal Cardholder shall ensure that each Supplementary Xxxxxxxxxx Cardholder observes and performs, in addition to any other agreements which may be entered into between RHB Islamic Bank and the Supplementary CardmemberCardholder, all the terms Terms and conditions of Conditions for this Agreement on the part of the Principal Cardmember to observe and perform in respect Supplementary Cardholder with the part of the Principal Cardholder in the same way with the necessary changes, being varied according to the circumstances of the case as though such Supplementary Card. (b) However, Cardholder is a party to this Agreement save and except that a Supplementary Cardmember will Cardholder shall not be jointly or severally liable for the debts of the Principal Cardmember Cardholder or other Supplementary CardmembersCardholder. 4.5 5.5 RHB Islamic Bank is shall not be liable to the Cardmember Cardholder for any losses or claims suffered by or brought against the Cardmember Cardholder arising as a result of or in consequence of the failure of the Cardholder to return or cause to be returned the Supplementary Card cut in half upon the cancellation of the Card due to the Cardmember’s act, omission, default, negligence and/or misconductsame. 4.6 Where 5.6 Save and except where otherwise expressly provided, where a Supplementary Cardmember Cardholder has executed a Card Application Form or where this Agreement is intended to bind a Supplementary CardmemberCardholder, the Supplementary Cardmember agrees thatCardholder agrees, acknowledges and confirms that unless otherwise provided, all the covenants of the Principal Cardmember are Cardholder shall be binding on the Supplementary Cardmember Cardholder as though the Supplementary Cardmember Cardholder is named as the Principal Cardmember in Cardholder herein and that all referencestotheterm“Cardholder”in this Agreement and all references to the term “Cardmember” in this Agreement, where applicable, is shall be deemed to refer to the Supplementary CardmemberCardholder unless the reference is repugnant to the context herein or unless otherwise provided.

Supplementary Card. 4.1 Upon At the request of the Principal Cardmember’s request and and the Supplementary Xxxxxxxxxx’s signing of the necessary documents, RHB Bank may at its sole discretion and subject to the Supplementary Cardmember executing the necessary documents and/or agreements required by RHB Bank in its absolute discretion, issue a Supplementary Card to a Supplementary Cardmember. 4.2 RHB Bank may collect from either the Principal Cardmember or the Supplementary Cardmember the whole of the outstanding balances in any or all of the Card Accounts related to the Supplementary Card without giving up any of its rights against the Principal Cardmember or the Supplementary Cardmember. (a) 4.3 The Supplementary Card may be cancelled upon notifications in writing by the Cardmember in accordance with Clause 2.6. (b) Upon such cancellation, Clauses 11.4 to RHB Bank. The notice shall be accompanied by the Supplementary Card be but across the magnetic stripe and 11.5 will apply. (c) Both chip ensuring it is completely damaged and returned to RHB Bank provided always that both the Principal Cardmember and the Supplementary Cardmember shall continue to be bound by and be liable under the terms and conditions of this Agreement in respect of the Supplementary Card until RHB Bank has actually received the Supplementary Card is cancelled. (d) Although and cancelled and terminated the same. Notwithstanding the cancellation of the Supplementary Card has been cancelledCard, the Principal Cardmember and the Supplementary Cardmember shall also continue to be liable for all obligations and all breaches of this Agreement incurred in respect of the Supplementary Card existing prior to such cancellation. (a) 4.4 The Principal Cardmember agrees undertakes and warrants to RHB Bank that the Principal Cardmember shall ensure that each Supplementary Xxxxxxxxxx Cardmember observes and performs, in addition to any other agreements which may be entered into between RHB Bank and the Supplementary Cardmember, all the terms and conditions of this Agreement on the part of the Principal Cardmember to observe and perform in respect the same way with the necessary changes, being varied according to the circumstances of the case as though such Supplementary Card. (b) However, Cardmember is a party to this Agreement save and except that a Supplementary Cardmember will shall not be jointly or severally liable for the debts of the Principal Cardmember or other Supplementary Cardmembers. 4.5 RHB Bank is shall not be liable to the Cardmember for any losses or claims suffered by or brought against the Cardmember arising as a result of or in consequence of the failure of the Cardmember to return or cause to be returned the Supplementary Card cut in half upon the cancellation of the Card due to the Cardmember’s act, omission, default, negligence and/or misconductsame. 4.6 Where Save and except where otherwise expressly provided, where a Supplementary Cardmember has executed a Card Application Form or where this Agreement is intended to bind a Supplementary Cardmember, the Supplementary Cardmember agrees thatagrees, acknowledges and confirms that unless otherwise provided, provided all the covenants of the Principal Cardmember are shall be binding on the Supplementary Cardmember as though the Supplementary Cardmember is named as the Principal Cardmember in this Agreement herein and that all references to the term “Cardmember” in this Agreement, where applicable, is Agreement shall be deemed to refer to the Supplementary CardmemberCardmember unless the reference is repugnant to that context herein or unless otherwise provided.

Supplementary Card. 4.1 Upon 3.1 At the request of the Principal Cardmember’s request , KFH Malaysia may at its sole discretion and and subject to the Supplementary Xxxxxxxxxx’s signing of Cardmember executing the necessary documentsdocuments and/or agreements required by KFH Malaysia in its absolute discretion, RHB Bank may issue a Supplementary Card to a Supplementary CardmemberCardmember . 4.2 RHB Bank may collect from either 3.2 The Principal Cardmember undertakes and warrants to KFH Malaysia that the Principal Cardmember or the Supplementary Cardmember the whole of the outstanding balances in any or all of the Card Accounts related to the Supplementary Card without giving up any of its rights against the Principal Cardmember or the Supplementary Cardmember. (a) The Supplementary Card may be cancelled by the Cardmember in accordance with Clause 2.6. (b) Upon such cancellation, Clauses 11.4 and 11.5 will apply. (c) Both the Principal Cardmember and the Supplementary Cardmember continue to be bound by and be liable under this Agreement in respect of the Supplementary Card until the Supplementary Card is cancelled. (d) Although the Supplementary Card has been cancelled, the Principal Cardmember and the Supplementary Cardmember continue to be liable for all obligations and all breaches of this Agreement in respect of the Supplementary Card existing prior to such cancellation. (a) The Principal Cardmember agrees to shall ensure that each Supplementary Xxxxxxxxxx Cardmember observes and performs, in addition to any other agreements which may be entered into between RHB Bank KFH Malaysia and the Supplementary Cardmember, all the terms and conditions of for this Agreement on the part of the Supplementary Cardmember to observe and perform in the same way with the part of the Principal Cardmember to observe and perform in the same way with the necessary changes, being varied according to the circumstances of the case as though such Supplementary Cardmember is a party to this Agreement. 3.3 The Supplementary Card may be cancelled upon notification in writing by the Cardmember to KFH Malaysia. The notice shall be accompanied by the Supplementary Card which shall be cut in half across the magnetic stripe and chip, and returned to KFH Malaysia provided always that both the Principal Cardmember and the Supplementary Cardmember shall continue to be bound by and be liable under the terms and conditions of this Agreement in respect of the Supplementary Card until KFH Malaysia has actually received the Supplementary Card and cancelled the same. Notwithstanding the cancellation of the Supplementary Card. (b) However, a the Principal Cardmember and the Supplementary Cardmember will not shall also continue to be liable for the debts all charges incurred in respect of the Principal Cardmember or other Supplementary CardmembersCard prior to such cancellation. 4.5 RHB Bank is 3.4 KFH Malaysia shall not be liable to the Cardmember for any losses or claims suffered by or brought against the Cardmember arising as a result of or in consequence of the failure of the Cardmember to return or cause to be returned the Supplementary Card cut in half upon the cancellation of the Card due to the Cardmember’s act, omission, default, negligence and/or misconductsame. 4.6 Where 3.5 Save and except where otherwise expressly provided, where a Supplementary Cardmember has executed a Card Application Form the application form or where this Agreement is intended to bind a Supplementary supplementary Cardmember, the Supplementary Cardmember agrees thatagrees, acknowledges and confirms that unless otherwise provided, all the covenants of the Principal Cardmember are shall be binding on the Supplementary Cardmember as though the Supplementary Cardmember is named as the Principal Cardmember in this Agreement herein and that all references to the term “CardmemberCardmember ” in this Agreement, where applicable, is Agreement shall be deemed to refer to the supplementary Cardmember unless the reference is repugnant to the context herein or unless otherwise provided. 3.6 The utilization of the Supplementary CardmemberCard by the Supplementary Cardmember is tagged to the Designated Account. The usage is limited to the amount assigned by the Principal Cardmember and/or subject to the available balance of the Designated Account.

Supplementary Card. 4.1 Upon 5.1 At the request of the Principal Cardmember’s request Cardholder, RHB Islamic Bank may at its discretion and and subject to the Supplementary Xxxxxxxxxx’s signing of Cardholder executing the necessary documentsdocuments and/or agreements required by RHB Islamic Bank in its discretion, RHB Bank may issue a Supplementary Card to a Supplementary CardmemberCardholder. 4.2 5.2 RHB Islamic Bank may collect from either the Principal Cardmember Cardholder or the Supplementary Cardmember Cardholder the whole of the outstanding balances in any or all of the Card Accounts related to the Supplementary Card without giving up any of its rights against the Principal Cardmember Cardholder or the Supplementary CardmemberCardholder. (a) 5.3 The Supplementary Card may be cancelled upon notification in writing by the Cardmember in accordance with Clause 2.6. (b) Upon such cancellation, Clauses 11.4 Cardholder to RHB Card Centre. The notice shall be accompanied by the Supplementary Card which shall be cut across the magnetic stripe and 11.5 will apply. (c) Both chip ensuring it is completely damaged and returned to RHB Card Centre provided always that both the Principal Cardmember Cardholder and the Supplementary Cardmember Cardholder shall continue to be bound by and be liable under the Terms and Conditions of this Agreement in respect of the Supplementary Card until RHB Islamic Bank has actually received the Supplementary Card is cancelled. (d) Although and cancelled the same. Notwithstanding the cancellation of the Supplementary Card has been cancelledCard, the Principal Cardmember Cardholder and the Supplementary Cardmember Cardholder shall also continue to be liable for all obligations and all breaches of this Agreement incurred in respect of the Supplementary Card existing prior to such cancellation. (a) 5.4 The Principal Cardmember agrees Cardholder undertakes and warrants to RHB Islamic Bank that the Principal Cardholder shall ensure that each Supplementary Xxxxxxxxxx Cardholder observes and performs, in addition to any other agreements which may be entered into between RHB Islamic Bank and the Supplementary CardmemberCardholder, all the terms Terms and conditions of Conditions for this Agreement on the part of the Principal Cardmember to observe and perform in respect Supplementary Cardholder with the part of the Principal Cardholder in the same way with the necessary changes, being varied according to the circumstances of the case as though such Supplementary Card. (b) However, Cardholder is a party to this Agreement save and except that a Supplementary Cardmember will Cardholder shall not be jointly or severally liable for the debts of the Principal Cardmember Cardholder or other Supplementary CardmembersCardholder. 4.5 5.5 RHB Islamic Bank is shall not be liable to the Cardmember Cardholder for any losses or claims suffered by or brought against the Cardmember Cardholder arising as a result of or in consequence of the failure of the Cardholder to return or cause to be returned the Supplementary Card cut in half upon the cancellation of the Card due to the Cardmember’s act, omission, default, negligence and/or misconductsame. 4.6 Where 5.6 Save and except where otherwise expressly provided, where a Supplementary Cardmember Cardholder has executed a Card Application Form or where this Agreement is intended to bind a Supplementary CardmemberCardholder, the Supplementary Cardmember agrees thatCardholder agrees, acknowledges and confirms that unless otherwise provided, all the covenants of the Principal Cardmember are Cardholder shall be binding on the Supplementary Cardmember Cardholder as though the Supplementary Cardmember Cardholder is named as the Principal Cardmember in this Agreement Cardholder herein and that all references to the term “CardmemberCardholder” in this Agreement, where applicable, is Agreement shall be deemed to refer to the Supplementary CardmemberCardholder unless the reference is repugnant to the context herein or unless otherwise provided.