Common use of Suspension and Cancellation of the Card Clause in Contracts

Suspension and Cancellation of the Card. 8.1 Suspension or Cancellation of Card by the Bank (a) The Bank may suspend the Card (temporarily withdrawing the Cardmember’s right to use the Card) or cancel the Card (terminating the use of Card and this Agreement with Cardmember) under the Card Account at any time upon its discretion or upon the occurrence of any of the following events, with or without prior notice: i. if the Cardmember fails to perform and/or to observe any of the terms and conditions of this Agreement; ii. if the Cardmember: • operates the Card Account improperly or unsatisfactorily; • operates his or her other banking account(s) with the Bank improperly or unsatisfactorily; • operates any card facilities or banking account(s) that the Cardmember may have with any other financial institutions improperly or unsatisfactorily; • commits or threatens to commit a default of any provision of an agreement and/ or security documents (including settlement agreements) under any of the Bank or AmBank Group’s products/services or in relation to other accounts or financing facilities granted by the Bank or under AmBank Group or any other financial institutions to the Cardmember (or to other party in which the Cardmember is a guarantor or chargor or assignor). iii. if the Cardmember fails to pay any outstanding debts or any other indebtedness owed to the Bank or under AmBank Group under any of its products/services or in relation to other accounts or financing facilities whenever due; iv. if the Cardmember becomes insolvent or commits an act of bankruptcy; v. if any legal order or judgment is issued by any courts of law or judicial bodies on or against the Cardmember pursuant to any legal action or proceedings, including and not limited to applications for any form of execution under any claims or for any form of relief under any legal or equitable remedies (whether on temporary basis or otherwise); vi. if an event has occurred or a situation exists which could prejudice the Cardmember’s ability to perform his or her obligations under this Agreement or prejudice the repayment of the outstanding amount or the Minimum Payment Due payable to the Bank under the Card Account; vii. in the event of the Cardmember’s death; and/or viii. if the Card or PIN has been used for unlawful activity. (b) In furtherance to Clause 8.1 (a) above, any suspension or cancellation of the Card by the Bank: i. if notified or subsequently informed to the Cardmember, shall not require or obligate the Bank to assign any reason whatsoever; ii. if made effective on the Principal Cardmember shall also be effective on the Supplementary Cardmember; iii. if due to the Cardmember’s death being notified or informed by other party(ies), shall be subject to the Bank’s authentication process, including a receipt of proof of demise; iv. may affect other existing or active cards under any card facility(ies) granted by the Bank or under AmBank Group to the Cardmember and/or Supplementary Cardmember; and/or v. shall not affect any other rights of the Bank under this Agreement.

Suspension and Cancellation of the Card. 8.1 Suspension or Cancellation of Card by the Bank (a) The Bank may suspend the Card (temporarily withdrawing the CardmemberCardholder’s right to use the Card) or cancel the Card (terminating the use of Card and this Agreement with CardmemberCardholder) under the Card Account at any time upon its discretion or upon the occurrence of any of the following events, with or without prior notice: i. if the Cardmember Cardholder fails to perform and/or to observe any of the terms and conditions of this Agreement; ii. if the CardmemberCardholder: • operates the Card Account improperly or unsatisfactorily; • operates his or her other banking account(s) with the Bank improperly or unsatisfactorily; • operates any card facilities or banking account(s) that the Cardmember Cardholder may have with any other financial institutions improperly or unsatisfactorily; • commits or threatens to commit a default of any provision of an agreement and/ or and/or security documents (including settlement agreements) under any of the Bank or AmBank Group’s products/services or in relation to other accounts or financing facilities granted by the Bank or under AmBank Group or any other financial institutions to the Cardmember Cardholder (or to other party in which the Cardmember Cardholder is a guarantor or chargor or assignor). iii. if the Cardmember Cardholder fails to pay any outstanding debts or any other indebtedness owed to the Bank or under AmBank Group under any of its products/services or in relation to other accounts or financing facilities whenever due; iv. if the Cardmember Cardholder becomes insolvent or commits an act of bankruptcy; v. if any legal order or judgment is issued by any courts of law or judicial bodies on or against the Cardmember Cardholder pursuant to any legal action or proceedings, including and not limited to applications for any form of execution under any claims or for any form of relief under any legal or equitable remedies (whether on temporary basis or otherwise); vi. if an event has occurred or a situation exists which could prejudice the CardmemberCardholder’s ability to perform his or her obligations under this Agreement or prejudice the repayment payment of the outstanding amount or the Minimum Monthly Payment Due payable to the Bank under the Card Account; vii. in the event of the CardmemberCardholder’s death; and/or viii. if the Card or PIN has been used for unlawful activity. ix. In the event the Card is used by the Cardholder to purchase or use non-Halal merchandises and goods or services, it is the responsibility of the Cardholder himself and it is beyond the accountability of the Bank. The Bank shall also be entitled to terminate the Card immediately without prior notice or liability to the Cardholder if the Card is found to be used for non-Shariah compliant transactions. (b) In furtherance to Clause 8.1 (a) above, any suspension or cancellation of the Card by the Bank: i. if notified or subsequently informed to the CardmemberCardholder, shall not require or obligate the Bank to assign any reason whatsoever; ii. if made effective on the Principal Cardmember Cardholder shall also be effective on the Supplementary CardmemberCardholder; iii. if due to the CardmemberCardholder’s death being notified or informed by other party(ies), shall be subject to the Bank’s authentication process, including a receipt of proof of demise; iv. may affect other existing or active cards under any card facility(ies) granted by the Bank or under AmBank Group to the Cardmember Cardholder and/or Supplementary CardmemberCardholder; and/or v. shall not affect any other rights of the Bank under this Agreement. 8.2 Cancellation of the Card by the Cardholder The Cardholder may terminate this Agreement to affect cancellation of the Card (and the Supplementary Card, if any) by giving a verbal instruction via AmBank Contact Centre, subject to the Bank’s authentication process. However the Bank reserves the right to request for a written notice or confirmation of such termination and/or the return of the Card cut in half to the Bank Card Centre before the cancellation takes effect. The Cardholder shall be obligated to settle all outstanding amounts due or any unpaid balance under the Card Account.

Suspension and Cancellation of the Card. 8.1 Suspension or Cancellation of Card by the Bank (a) The Bank may suspend the Card (temporarily withdrawing the CardmemberCardholder’s right to use the Card) or cancel the Card (terminating the use of Card and this Agreement with CardmemberCardholder) under the Card Account at any time upon its discretion or upon the occurrence of any of the following events, with or without prior notice: i. if the Cardmember Cardholder fails to perform and/or to observe any of the terms and conditions of this Agreement; ii. if the CardmemberCardholder: • operates the Card Account improperly or unsatisfactorily; • operates his or her other banking account(s) with the Bank improperly or unsatisfactorily; • operates any card facilities or banking account(s) that the Cardmember Cardholder may have with any other financial institutions improperly or unsatisfactorily; • commits or threatens to commit a default of any provision of an agreement and/ or security documents (including settlement agreements) under any of the Bank or AmBank Group’s products/services or in relation to other accounts or financing facilities granted by the Bank or under AmBank Group or any other financial institutions to the Cardmember Cardholder (or to other party in which the Cardmember Cardholder is a guarantor or chargor or assignor). iii. if the Cardmember Cardholder fails to pay any outstanding debts or any other indebtedness owed to the Bank or under AmBank Group under any of its products/services or in relation to other accounts or financing facilities whenever due; iv. if the Cardmember Cardholder becomes insolvent or commits an act of bankruptcy; v. if any legal order or judgment is issued by any courts of law or judicial bodies on or against the Cardmember Cardholder pursuant to any legal action or proceedings, including and not limited to applications for any form of execution under any claims or for any form of relief under any legal or equitable remedies (whether on temporary basis or otherwise); vi. if an event has occurred or a situation exists which could prejudice the CardmemberCardholder’s ability to perform his or her obligations under this Agreement or prejudice the repayment of the outstanding amount or the Minimum Payment Due payable to the Bank under the Card Account; vii. in the event of the CardmemberCardholder’s death; and/or viii. if the Card or PIN has been used for unlawful activity. (b) In furtherance to Clause 8.1 (a) above, any suspension or cancellation of the Card by the Bank: i. if notified or subsequently informed to the CardmemberCardholder, shall not require or obligate the Bank to assign any reason whatsoever; ii. if made effective on the Principal Cardmember Cardholder shall also be effective on the Supplementary CardmemberCardholder; iii. if due to the CardmemberCardholder’s death being notified or informed by other party(ies), shall be subject to the Bank’s authentication process, including a receipt of proof of demise; iv. may affect other existing or active cards under any card facility(ies) granted by the Bank or under AmBank Group to the Cardmember Cardholder and/or Supplementary CardmemberCardholder; and/or v. shall not affect any other rights of the Bank under this Agreement. 8.2 Cancellation of the Card by the Cardholder The Cardholder may terminate this Agreement to affect cancellation of the Card (and the Supplementary Card, if any) by giving a verbal instruction via the Bank Contact Centre, subject to the Bank’s authentication process. However the Bank reserves the right to request for a written notice or confirmation of such termination and/or the return of the Card cut in half to the Bank Card Centre before the cancellation takes effect. The Cardholder shall be obligated to settle all outstanding amounts due or any unpaid balance under the Card Account.

Suspension and Cancellation of the Card. 8.1 Suspension or Cancellation of Card by the Bank (a) The Bank may suspend the Card (temporarily withdrawing the CardmemberCardholder’s right to use the Card) or cancel the Card (terminating the use of Card and this Agreement with CardmemberCardholder) under the Card Account at any time upon its discretion or upon the occurrence of any of the following events, with or without prior notice: i. if the Cardmember Cardholder fails to perform and/or to observe any of the terms and conditions of this Agreement; ii. if the CardmemberCardholder: • operates the Card Account improperly or unsatisfactorily; • operates his or her other banking account(s) with the Bank improperly or unsatisfactorily; • operates any card facilities or banking account(s) that the Cardmember Cardholder may have with any other financial institutions improperly or unsatisfactorily; • commits or threatens to commit a default of any provision of an agreement and/ or and/or security documents (including settlement agreements) under any of the Bank or AmBank Group’s products/services or in relation to other accounts or financing facilities granted by the Bank or under AmBank Group or any other financial institutions to the Cardmember Cardholder (or to other party in which the Cardmember Cardholder is a guarantor or chargor or assignor). iii. if the Cardmember Cardholder fails to pay any outstanding debts or any other indebtedness owed to the Bank or under AmBank Group under any of its products/services or in relation to other accounts or financing facilities whenever due; iv. if the Cardmember Cardholder becomes insolvent or commits an act of bankruptcy; v. if any legal order or judgment is issued by any courts of law or judicial bodies on or against the Cardmember Cardholder pursuant to any legal action or proceedings, including and not limited to applications for any form of execution under any claims or for any form of relief under any legal or equitable remedies (whether on temporary basis or otherwise); vi. if an event has occurred or a situation exists which could prejudice the CardmemberCardholder’s ability to perform his or her obligations under this Agreement or prejudice the repayment payment of the outstanding amount or the Minimum Payment Due payable to the Bank under the Card Account; vii. in the event of the CardmemberCardholder’s death; and/or viii. if the Card or PIN has been used for unlawful activity. ix. In the event the Card is used by the Cardholder to purchase or use non-Halal merchandises and goods or services, it is the responsibility of the Cardholder himself and it is beyond the accountability of the Bank. The Bank shall also be entitled to terminate the Card immediately without prior notice or liability to the Cardholder if the Card is found to be used for non-Shariah compliant transactions. (b) In furtherance to Clause 8.1 (a) above, any suspension or cancellation of the Card by the Bank: i. if notified or subsequently informed to the CardmemberCardholder, shall not require or obligate the Bank to assign any reason whatsoever; ii. if made effective on the Principal Cardmember Cardholder shall also be effective on the Supplementary CardmemberCardholder; iii. if due to the CardmemberCardholder’s death being notified or informed by other party(ies), shall be subject to the Bank’s authentication process, including a receipt of proof of demise; iv. may affect other existing or active cards under any card facility(ies) granted by the Bank or under AmBank Group to the Cardmember Cardholder and/or Supplementary CardmemberCardholder; and/or v. shall not affect any other rights of the Bank under this Agreement. 8.2 Cancellation of the Card by the Cardholder The Cardholder may terminate this Agreement to affect cancellation of the Card (and the Supplementary Card, if any) by giving a verbal instruction via AmBank Contact Centre, subject to the Bank’s authentication process. However the Bank reserves the right to request for a written notice or confirmation of such termination and/or the return of the Card cut in half to the Bank Card Centre before the cancellation takes effect. The Cardholder shall be obligated to settle all outstanding amounts due or any unpaid balance under the Card Account.

Suspension and Cancellation of the Card. 8.1 Suspension or Cancellation of Card by the Bank (a) The Bank may suspend the Card (temporarily withdrawing the CardmemberCardholder’s right to use the Card) or cancel the Card (terminating the use of Card and this Agreement with CardmemberCardholder) under the Card Account at any time upon its discretion or upon the occurrence of any of the following events, with or without prior notice: i. if the Cardmember Cardholder fails to perform and/or to observe any of the terms and conditions of this Agreement; ii. if the CardmembertheCardholder: • operates the Card Account improperly or unsatisfactorily; • operates his or her other banking account(s) with the Bank improperly or improperlyor unsatisfactorily; • operates any card facilities or banking account(s) that the Cardmember Cardholder may have with any other financial institutions improperly or unsatisfactorily; • commits or threatens to commit a default of any provision of an agreement and/ or security documents (including settlement agreements) under any of the Bank or AmBank Group’s products/services or in relation to other accounts or financing facilities granted by the Bank or under AmBank Group or any other financial institutions to the Cardmember Cardholder (or to other party in which the Cardmember Cardholder is a guarantor or chargor or assignor). iii. if the Cardmember ifthe Cardholder fails to pay topay any outstanding debts or any outstandingdebts orany other indebtedness owed to the tothe Bank or under orunder AmBank Group under any underany of its products/services or in relation to other accounts or financing facilities whenever due; iv. if the Cardmember Cardholder becomes insolvent or commits an act of bankruptcy; v. if any legal order or judgment is issued by any courts of law or judicial bodies on or against the Cardmember Cardholder pursuant to any legal action or proceedings, including and not limited to applications for any form of execution under any claims or for any form of relief under any legal or equitable reliefunderany legalorequitable remedies (whether on temporary basis or otherwise); vi. if an event has occurred or a situation exists which could prejudice the CardmemberCardholder’s ability to perform his or her obligations under this Agreement or prejudice the repayment of the outstanding amount or the Minimum Payment Due payable to the repaymentofthe outstandingamount orthe MinimumPaymentDuepayabletothe Bank under the Card Account; vii. in the event of the CardmemberCardholder’s death; and/or viii. if the Card or PIN has been used for unlawful activity. (b) In furtherance to Clause 8.1 (a) above, any suspension or cancellation of the Card by the Bank: i. if notified or subsequently informed to the CardmemberCardholder, shall not require or obligate the Bank to assign any reason whatsoever; ii. if made effective on the Principal Cardmember Cardholder shall also be effective on the Supplementary CardmemberCardholder; iii. if due to the CardmemberCardholder’s death being notified or informed by other party(ies), shall be subject to the Bank’s authentication process, including a receipt of proof of demise; iv. may affect other existing or active cards under any card facility(ies) granted by the Bank or under AmBank Group to the Cardmember Cardholder and/or Supplementary CardmemberCardholder; and/or v. shall not affect any other rights of the Bank under this Agreement. 8.2 Cancellation of the Card by the Cardholder The Cardholder may terminate this Agreement to affect cancellation of the Card (and the Supplementary Card, if any) by giving a verbal instruction via the Bank Contact Centre, subject to the Bank’s authentication process. However the Bank reserves the right to request for a written notice or confirmation of such termination and/or the return of the Card cut in half to the Bank Card Centre before the cancellation takes effect. The Cardholder shall be obligated to settle all outstanding amounts due or any unpaid balance under the Card Account.

Suspension and Cancellation of the Card. 8.1 8.1. Suspension or Cancellation of Card by the Bank (a) The Bank may suspend the Card (temporarily withdrawing the CardmemberCardholder’s right to use the Card) or cancel the Card (terminating the use of Card and this Agreement with CardmemberCardholder) under the Card Account at any time upon its discretion or upon the occurrence of any of the following events, with or without prior notice: i. if the Cardmember Cardholder fails to perform and/or to observe any of the terms and conditions of this Agreement; ii. if the CardmemberCardholder: • operates the Card Account improperly or unsatisfactorily; • operates his or her other banking account(s) with the Bank improperly or unsatisfactorily; • operates any card facilities or banking account(s) that the Cardmember Cardholder may have with any other financial institutions improperly or unsatisfactorily; • commits or threatens to commit a default of any provision of an agreement and/ or security documents (including settlement agreements) under any of the Bank or AmBank Group’s products/services or in relation to other accounts or financing facilities granted by the Bank or under AmBank Group or any other financial institutions to the Cardmember Cardholder (or to other party in which the Cardmember Cardholder is a guarantor or chargor or assignor). iii. if the Cardmember Cardholder fails to pay any outstanding debts or any other indebtedness owed to the Bank or under AmBank Group under any of its products/services or in relation to other accounts or financing facilities whenever due; iv. if the Cardmember Cardholder becomes insolvent or commits an act of bankruptcy; v. if any legal order or judgment is issued by any courts of law or judicial bodies on or against the Cardmember Cardholder pursuant to any legal action or proceedings, including and not limited to applications for any form of execution under any claims or for any form of relief under any legal or equitable remedies (whether on temporary basis or otherwise); vi. if an event has occurred or a situation exists which could prejudice the CardmemberCardholder’s ability to perform his or her obligations under this Agreement or prejudice the repayment of the outstanding amount or the Minimum Payment Due payable to the Bank under the Card Account; vii. in the event of the CardmemberCardholder’s death; and/or viii. if the Card or PIN has been used for unlawful activity. (b) In furtherance to Clause 8.1 (a) above, any suspension or cancellation of the Card by the Bank: i. if notified or subsequently informed to the CardmemberCardholder, shall not require or obligate the Bank to assign any reason whatsoever; ii. if made effective on the Principal Cardmember Cardholder shall also be effective on the Supplementary CardmemberCardholder; iii. if due to the CardmemberCardholder’s death being notified or informed by other party(ies), shall be subject to the Bank’s authentication process, including a receipt of proof of demise; iv. may affect other existing or active cards under any card facility(ies) granted by the Bank or under AmBank Group to the Cardmember Cardholder and/or Supplementary CardmemberCardholder; and/or v. shall not affect any other rights of the Bank under this Agreement.