Common use of Supplementary Card Clause in Contracts

Supplementary Card. 5.1 At the request of the Principal Cardholder, RHB Islamic Ban k may at its discretion and subject to the Supplementary Cardholder executing the necessary documents and/or agreements required by RHB Islamic Bank in its discretion, issue a Card to a Supplementary Cardholder. 5.2 RHB Islamic Bank may collect from either the Principal Cardholder or the Supplementary 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 Cardholder or the Supplementary Cardholder. 5.3 The Supplementary Card may be cancelled upon notification in writing by the Cardholder to RHB Card Centre. The notice shall be accompanied by the Supplementary Card which shall be cut across the magnetic stripe and chip ensuring it is completely damaged and returned to RHB Card Centre provided always that both the Principal Cardholder and the Supplementary 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 and cancelled the same. Notwithstanding the cancellation of the Supplementary Card, the Principal Cardholder and the Supplementary Cardholder shall also continue to be liable for all obligations incurred in respect of the Supplementary Card prior to such cancellation. 5.4 The Principal Cardholder undertakes and warrants to RHB Islamic Bank that the Principal Cardholder shall ensure that each Supplementary Cardholder observes and performs, in addition to any other agreements which may be entered into between RHB Islamic Bank and the Supplementary Cardholder, all the Terms and Conditions for this Agreement on the part of the 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 Cardholder is a party to this Agreement save and except that a Supplementary Cardholder shall not be jointly or severally liable for the debts of the Principal Cardholder or other Supplementary Cardholder. 5.5 RHB Islamic Bank shall not be liable to the Cardholder for any losses or claims suffered by or brought against the 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 same. 5.6 Save and except where otherwise expressly provided, where a Supplementary Cardholder has executed a Card Application Form or where this Agreement is intended to bind a Supplementary Cardholder, the Supplementary Cardholder agrees, acknowledges and confirms that unless otherwise provided, all the covenants of the Principal Cardholder shall be binding on the Supplementary Cardholder as though the Supplementary Cardholder is named as the Principal Cardholder herein and that all references to the term “Cardholder” in this Agreement shall be deemed to refer to the Supplementary Cardholder unless the reference is repugnant to the context herein or unless otherwise provided.

Supplementary Card. 5.1 At the request of Upon the Principal Cardholder’s request and the Supplementary Cardholder’s signing of the necessary documents, RHB Islamic Ban k Bank may at its discretion and subject to the Supplementary Cardholder executing the necessary documents and/or agreements required by RHB Islamic Bank in its discretion, issue a Supplementary Card to a Supplementary Cardholder. 5.2 RHB Islamic Bank may collect from either the Principal Cardholder or the Supplementary 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 Cardholder or the Supplementary Cardholder. 5.3 (a) The Supplementary Card may be cancelled upon notification in writing by the Cardholder to RHB Card Centre. The notice shall be accompanied by the Supplementary Card which shall be cut across the magnetic stripe in accordance with Clause 3.6. (b) Upon such cancellation, Clauses 12.4 and chip ensuring it is completely damaged and returned to RHB Card Centre provided always that both 12.5 apply. (c) Both the Principal Cardholder and the Supplementary Cardholder shall continue to be bound by and be liable under this Agreement in respect of the Terms Supplementary Card until the Supplementary Card is cancelled. (d) Although the Supplementary Card has been cancelled, the Principal Cardholder and Conditions the Supplementary Cardholder continue to be liable for all obligations and all breaches of this Agreement in respect of the Supplementary Card until RHB Islamic Bank has actually received the Supplementary Card and cancelled the same. Notwithstanding the cancellation of the Supplementary Card, the Principal Cardholder and the Supplementary Cardholder shall also continue to be liable for all obligations incurred in respect of the Supplementary Card existing prior to such cancellation. 5.4 (a) The Principal Cardholder undertakes and warrants agrees to RHB Islamic Bank that the Principal Cardholder shall ensure that each Supplementary Cardholder observes and performs, in addition to any other agreements which may be entered into between RHB Islamic Bank and the Supplementary Cardholder, all the Terms terms and Conditions for conditions of this Agreement on the part of the Supplementary Principal Cardholder with the part to observe and perform in respect of the Principal Cardholder in the same way with the necessary changesSupplementary Card. (b) However, being varied according to the circumstances of the case as though such Supplementary Cardholder is a party to this Agreement save and except that a Supplementary Cardholder shall will not be jointly or severally liable for the debts of the Principal Cardholder or other Supplementary Cardholder. 5.5 RHB Islamic Bank shall is not be liable to the Cardholder for any losses or claims suffered by or brought against the 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 sameCard due to the Cardholder’s act, omission, default, negligence and/or misconduct. 5.6 Save and except where otherwise expressly provided, where Where a Supplementary Cardholder has executed a Card Application Form or where this Agreement is intended to bind a Supplementary Cardholder, the Supplementary Cardholder agreesagrees that, acknowledges and confirms that unless otherwise provided, all the covenants of the Principal Cardholder shall be are binding on the Supplementary Cardholder as though the Supplementary Cardholder is named as the Principal Cardholder herein in this Agreement and that all references to the term “Cardholder” in this Agreement shall be Agreement, where applicable, is deemed to refer to the Supplementary Cardholder unless the reference is repugnant to the context herein or unless otherwise providedCardholder.

Supplementary Card. 5.1 At 4.1 Upon the Principal Cardmember’s request and and the Supplementary ▇▇▇▇▇▇▇▇▇▇’s signing of the Principal Cardholdernecessary documents, RHB Islamic Ban k Bank may at its discretion and subject to the Supplementary Cardholder executing the necessary documents and/or agreements required by RHB Islamic Bank in its discretion, issue a Supplementary Card to a Supplementary CardholderCardmember. 5.2 4.2 RHB Islamic Bank may collect from either the Principal Cardholder Cardmember or the Supplementary Cardholder 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 Cardholder Cardmember or the Supplementary CardholderCardmember. 5.3 (a) The Supplementary Card may be cancelled upon notification in writing by the Cardholder to RHB Card Centre. The notice shall be accompanied by the Supplementary Card which shall be cut across the magnetic stripe Cardmember in accordance with Clause 2.6. (b) Upon such cancellation, Clauses 11.4 and chip ensuring it is completely damaged and returned to RHB Card Centre provided always that both 11.5 will apply. (c) Both the Principal Cardholder Cardmember and the Supplementary Cardholder shall Cardmember continue to be bound by and be liable under this Agreement in respect of the Terms Supplementary Card until the Supplementary Card is cancelled. (d) Although the Supplementary Card has been cancelled, the Principal Cardmember and Conditions the Supplementary Cardmember continue to be liable for all obligations and all breaches of this Agreement in respect of the Supplementary Card until RHB Islamic Bank has actually received the Supplementary Card and cancelled the same. Notwithstanding the cancellation of the Supplementary Card, the Principal Cardholder and the Supplementary Cardholder shall also continue to be liable for all obligations incurred in respect of the Supplementary Card existing prior to such cancellation. 5.4 (a) The Principal Cardholder undertakes and warrants Cardmember agrees to RHB Islamic Bank that the Principal Cardholder shall ensure that each Supplementary Cardholder ▇▇▇▇▇▇▇▇▇▇ observes and performs, in addition to any other agreements which may be entered into between RHB Islamic Bank and the Supplementary CardholderCardmember, all the Terms terms and Conditions for conditions of this Agreement on the part of the Supplementary Cardholder with the part Principal Cardmember to observe and perform in respect of the Principal Cardholder in the same way with the necessary changesSupplementary Card. (b) However, being varied according to the circumstances of the case as though such Supplementary Cardholder is a party to this Agreement save and except that a Supplementary Cardholder shall Cardmember will not be jointly or severally liable for the debts of the Principal Cardholder Cardmember or other Supplementary CardholderCardmembers. 5.5 4.5 RHB Islamic Bank shall is not be liable to the Cardholder Cardmember for any losses or claims suffered by or brought against the Cardholder Cardmember 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 sameCard due to the Cardmember’s act, omission, default, negligence and/or misconduct. 5.6 Save and except where otherwise expressly provided, where 4.6 Where a Supplementary Cardholder Cardmember has executed a Card Application Form or where this Agreement is intended to bind a Supplementary CardholderCardmember, the Supplementary Cardholder agreesCardmember agrees that, acknowledges and confirms that unless otherwise provided, all the covenants of the Principal Cardholder shall be Cardmember are binding on the Supplementary Cardholder Cardmember as though the Supplementary Cardholder Cardmember is named as the Principal Cardholder herein Cardmember in this Agreement and that all references to the term “CardholderCardmember” in this Agreement shall be Agreement, where applicable, is deemed to refer to the Supplementary Cardholder unless the reference is repugnant to the context herein or unless otherwise providedCardmember.

Supplementary Card. 5.1 3.1 At the request of the Principal CardholderCardmember, RHB Islamic Ban k KFH Malaysia may at its discretion and subject to the Supplementary Cardholder Cardmember executing the necessary documents and/or agreements required by RHB Islamic Bank in its discretion, KFH Malaysia issue a Supplementary Card to a Supplementary CardholderCardmember . 5.2 RHB Islamic Bank may collect from either the Principal Cardholder or the Supplementary 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 Cardholder or the Supplementary Cardholder. 5.3 The Supplementary Card may be cancelled upon notification in writing by the Cardholder to RHB Card Centre. The notice shall be accompanied by the Supplementary Card which shall be cut across the magnetic stripe and chip ensuring it is completely damaged and returned to RHB Card Centre provided always that both the Principal Cardholder and the Supplementary 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 and cancelled the same. Notwithstanding the cancellation of the Supplementary Card, the Principal Cardholder and the Supplementary Cardholder shall also continue to be liable for all obligations incurred in respect of the Supplementary Card prior to such cancellation. 5.4 3.2 The Principal Cardholder Cardmember undertakes and warrants to RHB Islamic Bank KFH Malaysia that the Principal Cardholder Cardmember shall ensure that each Supplementary Cardholder Cardmember observes and performs, in addition to any other agreements which may be entered into between RHB Islamic Bank KFH Malaysia and the Supplementary CardholderCardmember, all the Terms terms and Conditions conditions for this Agreement on the part of the Supplementary Cardholder Cardmember to observe and perform in the same way with the part of the Principal Cardholder 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 Cardholder 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 save in respect of the Supplementary Card until KFH Malaysia has actually received the Supplementary Card and except that a cancelled the same. Notwithstanding the cancellation of the Supplementary Cardholder Card, the Principal Cardmember and the Supplementary Cardmember shall not also continue to be jointly or severally liable for the debts all charges incurred in respect of the Principal Cardholder or other Supplementary CardholderCard prior to such cancellation. 5.5 RHB Islamic Bank 3.4 KFH Malaysia shall not be liable to the Cardholder Cardmember for any losses or claims suffered by or brought against the Cardholder Cardmember arising as a result of or in consequence of the failure of the Cardholder Cardmember to return or cause to be returned the Supplementary Card cut in half upon the cancellation of the same. 5.6 3.5 Save and except where otherwise expressly provided, where a Supplementary Cardholder Cardmember has executed a Card Application Form the application form or where this Agreement is intended to bind a Supplementary Cardholdersupplementary Cardmember, the Supplementary Cardholder Cardmember agrees, acknowledges and confirms that unless otherwise provided, all the covenants of the Principal Cardholder Cardmember shall be binding on the Supplementary Cardholder Cardmember as though the Supplementary Cardholder Cardmember is named as the Principal Cardholder Cardmember herein and that all references to the term “CardholderCardmember ” in this Agreement shall be deemed to refer to the Supplementary Cardholder supplementary Cardmember unless the reference is repugnant to the context herein or unless otherwise provided. 3.6 The utilization of the Supplementary Card 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. 5.1 4.1 At the request of the Principal CardholderCardmember, RHB Islamic Ban k Bank may at its sole discretion and subject to the Supplementary Cardholder Cardmember executing the necessary documents and/or agreements required by RHB Islamic Bank in its absolute discretion, issue a Card to a Supplementary CardholderSupplementaryCardmember. 5.2 4.2 RHB Islamic Bank may collect from either the Principal Cardholder Cardmember or the Supplementary Cardholder 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 Cardholder Cardmember or the Supplementary CardholderCardmember. 5.3 4.3 The Supplementary Card may be cancelled upon notification notifications in writing by the Cardholder Cardmember to RHB Card CentreBank. The notice shall be accompanied by the Supplementary Card which shall be cut but across the magnetic stripe and chip ensuring it is completely damaged and returned to RHB Card Centre Bank provided always that both the Principal Cardholder Cardmember and the Supplementary Cardholder Cardmember shall continue to be bound by and be liable under the Terms terms and Conditions conditions of this Agreement in respect of the Supplementary Card until RHB Islamic Bank has actually received the Supplementary Card and cancelled and terminated the same. Notwithstanding the cancellation of the Supplementary Card, the Principal Cardholder Cardmember and the Supplementary Cardholder Cardmember shall also continue to be liable for all obligations incurred in respect of the Supplementary Card prior to such cancellation. 5.4 4.4 The Principal Cardholder Cardmember undertakes and warrants to RHB Islamic Bank that the Principal Cardholder Cardmember shall ensure that each Supplementary Cardholder Cardmember observes and performs, in addition to any other agreements which may be entered into between RHB Islamic Bank and the Supplementary CardholderCardmember, all the Terms terms and Conditions for conditions of this Agreement on the part of the Supplementary Cardholder with the part of the Principal Cardholder 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 Cardholder Cardmember is a party to this Agreement save and except that a Supplementary Cardholder Cardmember shall not be jointly or severally liable for the debts of the Principal Cardholder Cardmember or other Supplementary CardholderCardmembers. 5.5 4.5 RHB Islamic Bank shall not be liable to the Cardholder Cardmember for any losses or claims suffered by or brought against the Cardholder Cardmember arising as a result of or in consequence of the failure of the Cardholder Cardmember to return or cause to be returned the Supplementary Card cut in half upon the cancellation of the same. 5.6 4.6 Save and except where otherwise expressly provided, where a Supplementary Cardholder Cardmember has executed a Card Application Form or where this Agreement is intended to bind a Supplementary CardholderCardmember, the Supplementary Cardholder Cardmember agrees, acknowledges and confirms that unless otherwise provided, provided all the covenants of the Principal Cardholder Cardmember shall be binding on the Supplementary Cardholder Cardmember as though the Supplementary Cardholder Cardmember is named as the Principal Cardholder Cardmember herein and that all references to the term “CardholderCardmember” in this Agreement shall be deemed to refer to the Supplementary Cardholder Cardmember unless the reference is repugnant to the that context herein or unless otherwise provided.

Supplementary Card. 5.1 At 4.1 Upon the Principal Cardmember’s request and and the Supplementary Cardmember’s signing of the Principal Cardholdernecessary documents, RHB Islamic Ban k Bank may at its discretion and subject to the Supplementary Cardholder executing the necessary documents and/or agreements required by RHB Islamic Bank in its discretion, issue a Supplementary Card to a Supplementary CardholderCardmember. 5.2 4.2 RHB Islamic Bank may collect from either the Principal Cardholder Cardmember or the Supplementary Cardholder 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 Cardholder Cardmember or the Supplementary CardholderCardmember. 5.3 (a) The Supplementary Card may be cancelled upon notification in writing by the Cardholder to RHB Card Centre. The notice shall be accompanied by the Supplementary Card which shall be cut across the magnetic stripe Cardmember in accordance with Clause 2.6. (b) Upon such cancellation, Clauses 11.4 and chip ensuring it is completely damaged and returned to RHB Card Centre provided always that both 11.5 will apply. (c) Both the Principal Cardholder Cardmember and the Supplementary Cardholder shall Cardmember continue to be bound by and be liable under this Agreement in respect of the Terms Supplementary Card until the Supplementary Card is cancelled. (d) Although the Supplementary Card has been cancelled, the Principal Cardmember and Conditions the Supplementary Cardmember continue to be liable for all obligations and all breaches of this Agreement in respect of the Supplementary Card until RHB Islamic Bank has actually received the Supplementary Card and cancelled the same. Notwithstanding the cancellation of the Supplementary Card, the Principal Cardholder and the Supplementary Cardholder shall also continue to be liable for all obligations incurred in respect of the Supplementary Card existing prior to such cancellation. 5.4 (a) The Principal Cardholder undertakes and warrants Cardmember agrees to RHB Islamic Bank that the Principal Cardholder shall ensure that each Supplementary Cardholder Cardmember observes and performs, in addition to any other agreements which may be entered into between RHB Islamic Bank and the Supplementary CardholderCardmember, all the Terms terms and Conditions for conditions of this Agreement on the part of the Supplementary Cardholder with the part Principal Cardmember to observe and perform in respect of the Principal Cardholder in the same way with the necessary changesSupplementary Card. (b) However, being varied according to the circumstances of the case as though such Supplementary Cardholder is a party to this Agreement save and except that a Supplementary Cardholder shall Cardmember will not be jointly or severally liable for the debts of the Principal Cardholder Cardmember or other Supplementary CardholderCardmembers. 5.5 4.5 RHB Islamic Bank shall is not be liable to the Cardholder Cardmember for any losses or claims suffered by or brought against the Cardholder Cardmember 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 sameCard due to the Cardmember’s act, omission, default, negligence and/or misconduct. 5.6 Save and except where otherwise expressly provided, where 4.6 Where a Supplementary Cardholder Cardmember has executed a Card Application Form or where this Agreement is intended to bind a Supplementary CardholderCardmember, the Supplementary Cardholder agreesCardmember agrees that, acknowledges and confirms that unless otherwise provided, all the covenants of the Principal Cardholder shall be Cardmember are binding on the Supplementary Cardholder Cardmember as though the Supplementary Cardholder Cardmember is named as the Principal Cardholder herein Cardmember in this Agreement and that all references to the term “CardholderCardmember” in this Agreement shall be Agreement, where applicable, is deemed to refer to the Supplementary Cardholder unless the reference is repugnant to the context herein or unless otherwise providedCardmember.

Supplementary Card. 5.1 3.1 At the request of the Principal CardholderCardmember, RHB Islamic Ban k KFH Malaysia may at its sole discretion and subject to the Supplementary Cardholder Cardmember executing the necessary documents and/or agreements required by RHB Islamic Bank KFH Malaysia in its absolute discretion, issue a Supplementary Card to a Supplementary CardholderCardmember . 5.2 RHB Islamic Bank may collect from either the Principal Cardholder or the Supplementary 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 Cardholder or the Supplementary Cardholder. 5.3 The Supplementary Card may be cancelled upon notification in writing by the Cardholder to RHB Card Centre. The notice shall be accompanied by the Supplementary Card which shall be cut across the magnetic stripe and chip ensuring it is completely damaged and returned to RHB Card Centre provided always that both the Principal Cardholder and the Supplementary 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 and cancelled the same. Notwithstanding the cancellation of the Supplementary Card, the Principal Cardholder and the Supplementary Cardholder shall also continue to be liable for all obligations incurred in respect of the Supplementary Card prior to such cancellation. 5.4 3.2 The Principal Cardholder Cardmember undertakes and warrants to RHB Islamic Bank KFH Malaysia that the Principal Cardholder Cardmember shall ensure that each Supplementary Cardholder Cardmember observes and performs, in addition to any other agreements which may be entered into between RHB Islamic Bank KFH Malaysia and the Supplementary CardholderCardmember, all the Terms terms and Conditions conditions for this Agreement on the part of the Supplementary Cardholder Cardmember to observe and perform in the same way with the part of the Principal Cardholder 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 Cardholder 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 save in respect of the Supplementary Card until KFH Malaysia has actually received the Supplementary Card and except that a cancelled the same. Notwithstanding the cancellation of the Supplementary Cardholder Card, the Principal Cardmember and the Supplementary Cardmember shall not also continue to be jointly or severally liable for the debts all charges incurred in respect of the Principal Cardholder or other Supplementary CardholderCard prior to such cancellation. 5.5 RHB Islamic Bank 3.4 KFH Malaysia shall not be liable to the Cardholder Cardmember for any losses or claims suffered by or brought against the Cardholder Cardmember arising as a result of or in consequence of the failure of the Cardholder Cardmember to return or cause to be returned the Supplementary Card cut in half upon the cancellation of the same. 5.6 3.5 Save and except where otherwise expressly provided, where a Supplementary Cardholder Cardmember has executed a Card Application Form the application form or where this Agreement is intended to bind a Supplementary Cardholdersupplementary Cardmember, the Supplementary Cardholder Cardmember agrees, acknowledges and confirms that unless otherwise provided, all the covenants of the Principal Cardholder Cardmember shall be binding on the Supplementary Cardholder Cardmember as though the Supplementary Cardholder Cardmember is named as the Principal Cardholder Cardmember herein and that all references to the term “CardholderCardmember ” in this Agreement shall be deemed to refer to the Supplementary Cardholder supplementary Cardmember unless the reference is repugnant to the context herein or unless otherwise provided. 3.6 The utilization of the Supplementary Card 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. 5.1 At the request of the Principal Cardholder, RHB Islamic Ban k may at its discretion and subject to the Supplementary Cardholder executing the necessary documents and/or agreements required by RHB Islamic Bank in its discretion, issue a Card to a Supplementary Cardholder. 5.2 RHB Islamic Bank may collect from either the Principal Cardholder or the Supplementary 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 Cardholder or the Supplementary Cardholder. 5.3 The Supplementary Card may be cancelled upon notification in writing by the Cardholder to RHB Card Centre. The notice shall be accompanied by the Supplementary Card which shall be cut across the magnetic stripe and chip ensuring it is completely damaged and returned to RHB Card Centre provided always that both the Principal Cardholder and the Supplementary 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 and cancelled the same. Notwithstanding the cancellation of the Supplementary Card, the Principal Cardholder and the Supplementary Cardholder shall also continue to be liable for all obligations incurred in respect of the Supplementary Card prior to such cancellation. 5.4 The Principal Cardholder undertakes and warrants to RHB Islamic Bank that the Principal Cardholder shall ensure that each Supplementary Cardholder observes and performs, in addition to any other agreements which may be entered into between RHB Islamic Bank and the Supplementary Cardholder, all the Terms and Conditions for this Agreement on the part of the 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 Cardholder is a party to this Agreement save and except that a Supplementary Cardholder shall not be jointly or severally liable for the debts of the Principal Cardholder or other Supplementary Cardholder. 5.5 RHB Islamic Bank shall not be liable to the Cardholder for any losses or claims suffered by or brought against the 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 same. 5.6 Save and except where otherwise expressly provided, where a Supplementary Cardholder has executed a Card Application Form or where this Agreement is intended to bind a Supplementary Cardholder, the Supplementary Cardholder agrees, acknowledges and confirms that unless otherwise provided, all the covenants of the Principal Cardholder shall be binding on the Supplementary Cardholder as though the Supplementary Cardholder is named as the Principal Cardholder herein and that all references to the term “Cardholder” in referencestotheterm“Cardholder”in this Agreement shall be deemed to refer to the Supplementary Cardholder unless the reference is repugnant to the context herein or unless otherwise provided.

Supplementary Card. 5.1 4.1 At the request of the Principal CardholderCardmember, RHB Islamic Ban k Bank may at its sole discretion and subject to the Supplementary Cardholder Cardmember executing the necessary documents and/or agreements required by RHB Islamic Bank in its absolute discretion, issue a Card to a Supplementary CardholderCardmember. 5.2 4.2 RHB Islamic Bank may collect from either the Principal Cardholder Cardmember or the Supplementary Cardholder 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 Cardholder Cardmember or the Supplementary CardholderCardmember. 5.3 4.3 The Supplementary Card may be cancelled upon notification notifications in writing by the Cardholder Cardmember to RHB Card CentreBank. The notice shall be accompanied by the Supplementary Card which shall be cut but across the magnetic stripe and chip ensuring it is completely damaged and returned to RHB Card Centre Bank provided always that both the Principal Cardholder Cardmember and the Supplementary Cardholder Cardmember shall continue to be bound by and be liable under the Terms terms and Conditions conditions of this Agreement in respect of the Supplementary Card until RHB Islamic Bank has actually received the Supplementary Card and cancelled and terminated the same. Notwithstanding the cancellation of the Supplementary Card, the Principal Cardholder Cardmember and the Supplementary Cardholder Cardmember shall also continue to be liable for all obligations incurred in respect of the Supplementary Card prior to such cancellation. 5.4 4.4 The Principal Cardholder Cardmember undertakes and warrants to RHB Islamic Bank that the Principal Cardholder Cardmember shall ensure that each Supplementary Cardholder Cardmember observes and performs, in addition to any other agreements which may be entered into between RHB Islamic Bank and the Supplementary CardholderCardmember, all the Terms terms and Conditions for conditions of this Agreement on the part of the Supplementary Cardholder with the part of the Principal Cardholder 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 Cardholder Cardmember is a party to this Agreement save and except that a Supplementary Cardholder Cardmember shall not be jointly or severally liable for the debts of the Principal Cardholder Cardmember or other Supplementary CardholderCardmembers. 5.5 4.5 RHB Islamic Bank shall not be liable to the Cardholder Cardmember for any losses or claims suffered by or brought against the Cardholder Cardmember arising as a result of or in consequence of the failure of the Cardholder Cardmember to return or cause to be returned the Supplementary Card cut in half upon the cancellation of the same. 5.6 4.6 Save and except where otherwise expressly provided, where a Supplementary Cardholder Cardmember has executed a Card Application Form or where this Agreement is intended to bind a Supplementary CardholderCardmember, the Supplementary Cardholder Cardmember agrees, acknowledges and confirms that unless otherwise provided, provided all the covenants of the Principal Cardholder Cardmember shall be binding on the Supplementary Cardholder Cardmember as though the Supplementary Cardholder Cardmember is named as the Principal Cardholder Cardmember herein and that all references to the term “CardholderCardmember” in this Agreement shall be deemed to refer to the Supplementary Cardholder Cardmember unless the reference is repugnant to the that context herein or unless otherwise provided.

Supplementary Card. 5.1 At the request of the Principal Cardholder, RHB Islamic Ban k Bank may at its discretion and subject to the Supplementary Cardholder executing the necessary documents and/or agreements required by RHB Islamic Bank in its discretion, issue a Card to a Supplementary Cardholder. 5.2 RHB Islamic Bank may collect from either the Principal Cardholder or the Supplementary 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 Cardholder or the Supplementary Cardholder. 5.3 The Supplementary Card may be cancelled upon notification in writing by the Cardholder to RHB Card Centre. The notice shall be accompanied by the Supplementary Card which shall be cut across the magnetic stripe and chip ensuring it is completely damaged and returned to RHB Card Centre provided always that both the Principal Cardholder and the Supplementary 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 and cancelled the same. Notwithstanding the cancellation of the Supplementary Card, the Principal Cardholder and the Supplementary Cardholder shall also continue to be liable for all obligations incurred in respect of the Supplementary Card prior to such cancellation. 5.4 The Principal Cardholder undertakes and warrants to RHB Islamic Bank that the Principal Cardholder shall ensure that each Supplementary Cardholder observes and performs, in addition to any other agreements which may be entered into between RHB Islamic Bank and the Supplementary Cardholder, all the Terms and Conditions for this Agreement on the part of the 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 Cardholder is a party to this Agreement save and except that a Supplementary Cardholder shall not be jointly or severally liable for the debts of the Principal Cardholder or other Supplementary Cardholder. 5.5 RHB Islamic Bank shall not be liable to the Cardholder for any losses or claims suffered by or brought against the 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 same. 5.6 Save and except where otherwise expressly provided, where a Supplementary Cardholder has executed a Card Application Form or where this Agreement is intended to bind a Supplementary Cardholder, the Supplementary Cardholder agrees, acknowledges and confirms that unless otherwise provided, all the covenants of the Principal Cardholder shall be binding on the Supplementary Cardholder as though the Supplementary Cardholder is named as the Principal Cardholder herein and that all references to the term “Cardholder” in this Agreement shall be deemed to refer to the Supplementary Cardholder unless the reference is repugnant to the context herein or unless otherwise provided.

Supplementary Card. 5.1 At 16.1 If we issue a Supplementary Card, this Clause 16 and all the request of the Principal Cardholder, RHB Islamic Ban k may at its discretion and subject other clauses except for Clause 17 shall apply to the Supplementary Cardholder executing the necessary documents and/or agreements required by RHB Islamic Bank in its discretion, issue a Card to a Supplementary CardholderCard. 5.2 RHB Islamic Bank may collect from (a) The Supplementary Card, PIN, Statement and all communication will be given to the Principal Cardmember. (b) All communication given to either the Principal Cardholder Cardmember or the Supplementary Cardholder the whole Cardmember shall be treated as communication given to both. (c) The Principal Cardmember and each Supplementary Cardmember agree to be bound by all instructions made by any of the outstanding balances in other Cardmembers or any or all of the Card Accounts related to the Supplementary Card without giving up any of its rights against the Principal Cardholder or the Supplementary Cardholder. 5.3 The Supplementary Card may be cancelled upon notification third party authorised in writing by the Cardholder Principal Cardmember to RHB operate the Card Centre. Account. 16.3 The notice shall be accompanied Principal Cardmember is liable for the Outstanding Balance (whether or not incurred by the Principal Cardmember or any Supplementary Card which shall be cut across the magnetic stripe Cardmember) and chip ensuring it is completely damaged and returned to RHB Card Centre provided always that both the Principal Cardholder Cardmember is jointly and severally liable with each Supplementary Cardmember in relation to each Supplementary Card. 16.4 Each Supplementary Cardmember is fully liable for such part of the Outstanding Balance in connection with his Supplementary Cardholder Card, but is not liable for such part of the Outstanding Balance incurred by the Principal Cardmember or other Supplementary Cardmembers. 16.5 All your liabilities and obligations shall continue to not be bound affected in any way by any dispute or counterclaim or right of set-off which the Principal Cardmember and be liable under any Supplementary Cardmember may have against each other. 16.6 A discharge or waiver of any liability of the Terms Principal Cardmember or any Supplementary Cardmember for any reason shall not affect the rights and Conditions liabilities of this Agreement the other Cardmembers. 16.7 The Credit Limit in respect of the Supplementary Card until RHB Islamic Bank has actually received Account is the Supplementary Card and cancelled the same. Notwithstanding the cancellation combined limit of the Supplementary Card, both the Principal Cardholder Cardmember and the Supplementary Cardholder shall also continue Cardmember. (a) We are entitled to be liable apply any payment received for all obligations incurred the Card Account in respect payment of either the amount owed by the Principal Cardmember or the Supplementary Card prior to such cancellationCardmember in any manner we think fit. 5.4 (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 Cardholder undertakes and warrants to RHB Islamic Bank that Cardmember may terminate the Principal Cardholder shall ensure that each Supplementary Cardholder observes and performs, in addition to use of any other agreements which may be entered into between RHB Islamic Bank and the Supplementary Cardholder, all the Terms and Conditions for this Agreement on the part of the 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 Cardholder is a party to this Agreement save and except that a Supplementary Cardholder shall not be jointly or severally liable for the debts of the Principal Cardholder or other Supplementary Cardholder. 5.5 RHB Islamic Bank shall not be liable to the Cardholder for any losses or claims suffered by or brought against the 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 at any time in half upon accordance with Clause 11.1. Each Supplementary Cardmember may terminate the cancellation use of the samehis Supplementary Card in accordance with Clause 11.1. 5.6 Save and except where otherwise expressly provided, where a Supplementary Cardholder has executed a Card Application Form or where this Agreement is intended to bind a Supplementary Cardholder, the Supplementary Cardholder agrees, acknowledges and confirms that unless otherwise provided, all the covenants of the Principal Cardholder shall be binding on the Supplementary Cardholder as though the Supplementary Cardholder is named as the Principal Cardholder herein and that all references to the term “Cardholder” in this Agreement shall be deemed to refer to the Supplementary Cardholder unless the reference is repugnant to the context herein or unless otherwise provided.