Alliance Personal ( AP ) Membership Terms and Conditions Keahlian Alliance Personal ( AP ) Terma dan Syarat
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1 Alliance Personal ( AP ) Membership Terms and Conditions Keahlian Alliance Personal ( AP ) Terma dan Syarat Alliance Bank Malaysia Berhad (88103-W)
2 Alliance Personal ( AP ) Membership Terms and Conditions All AP customer(s) shall be bound by the Terms and Conditions herein. In these Terms and Conditions, you refers to you, your joint account holder or your authorised person who are AP customer(s) of Alliance Bank Malaysia Berhad ( Bank ). 1. Membership You will need to meet our eligibility criteria(s) to become an AP customer, as revised from time to time by the Bank at its sole and absolute discretion. Your admission to the AP membership is at the Bank s discretion. Requirement Minimum RM100,000 and above in Deposits (excluding Savelink) and/or Investments (excluding ASNB & Bancasurance RP) with Alliance Bank, inclusive of opening a Hybrid Account with a minimum RM10, AP Services and Privileges AP services and privileges shall be governed by the Terms and Conditions applicable to such services. The Bank may vary, suspend, withdraw or terminate any or all of the services under AP at any time without assigning any reason thereof. You can find out more on the current services and privileges available to you by contacting your Personal Financial Consultant, Customer Service Line or please visit Privileged Solutions From time to time the Bank may introduce to you other AP privileges and services provided by third parties. Any services provided by third parties are subject to their terms and conditions and the Bank will not be liable for any losses whatsoever that you may incur in connection with such services Privileged Pricing Alliance Personal Platinum Debit Card : You may be issued an Alliance Personal Platinum Debit Card upon opening of a Hybrid Account. Upon termination of membership, you have to surrender the Alliance Personal Platinum Debit Card and a Standard Debit Card will be issued to you and all the issuing fee and annual fee will be charged to you accordingly. VISA/MasterCard Credit Card Annual Fee waiver (For Platinum Credit Card Only): The annual fee waiver is extended throughout the duration of your AP membership. Upon termination of AP membership, the Bank s prevailing annual fee for credit card will be charged to you accordingly. ATM Cash Withdrawal : You can enjoy a fee waiver of up to three (3) times per month with your AP Platinum Debit Card on ATM cash withdrawal made at any Local Bank MEPS ATM nationwide. The RM1.00 fee charged per transaction will be credited into the withdrawing account by the next working day of your transaction date. Non Margin Trading Account & Share Margin Financing : You are entitled to a waiver on Non Margin Trading Account opening administration fee and Share Margin Financing account opening administration fee for credit limit of RM250, and above. Commission and Stamp Duty : The Bank may waive all commission and stamp duty on Alliance Bank Malaysia Berhad s cheques, traveler s cheques, cashier s orders and demand drafts intended for AP customer s personal utilisation and not otherwise. This waiver (where applicable) shall only be granted on initial issuance and not upon cancellation and/ or reissuance and/ or for subsequent issuance (whether for the same beneficiary or otherwise) and/ or clearance. 3. Information You hereby agree and authorise the Bank to disclose to any person(s) in Malaysia including but not limited to companies within the group of the Bank any information about or with regards to you, your affairs and/or banking accounts for such purposes as the Bank deems fit or appropriate. Disclosure to the Bank s group of companies which are involved in the promotion, sale, delivery and distribution of financial products and services shall be for facilitating the operations, businesses or cross-selling of the Bank and/or the Bank s group of companies. Notwithstanding the generality of the foregoing, the Bank acknowledges that (i) it shall not disclose my information to the group of companies which are residing, situated, carrying on business, incorporated or constituted within Malaysia for purposes of cross-selling if such disclosure is not consented by me; (ii) it shall only disclose my information (excluding information relating to my affairs or account) to third parties, including group of companies which are residing, situated, carrying on business, incorporated or constituted in Malaysia, for strategic alliances, marketing and promotional purposes, if you have expressly consented to such disclosure. Page 2 of 5
3 4. Change of Address You shall promptly notify the Bank in writing of any changes in your mailing address. 5. Termination of AP Membership 5.1. You may terminate your AP membership by giving the Bank a written notice All AP services and privileges shall be terminated forthwith upon your death or bankruptcy AP membership is extended to you at the Bank s sole and absolute discretion and the Bank may cancel the AP membership at any time with prior notice to you. 6. Fees and Charges AP membership is subject to you meeting the Bank s eligibility criteria. If the eligibility criteria(s) are not met, the Bank at its sole and absolute discretion either: a) Impose a fee (which will be deducted from any of your account(s) with the Bank and you expressly authorise the Bank to do so); or b) Downgrade your AP membership. Unless otherwise specified herein, the Bank s charges exclude any current taxes and future taxes that may be imposed (including the Goods and Services Tax ( GST ), under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, the Bank will be entitled to recover such taxes from you. 7. Indemnity You shall fully indemnify the Bank against all costs and expenses (including legal fees on an indemnity basis) incurred by the Bank in enforcing these Terms and Conditions and the recovery of any amounts due to the Bank or incurred by the Bank in any legal proceedings of whatsoever nature. 8. Waiver No waiver by the Bank in the enforcement of any of these Terms and Conditions shall prejudice the Bank s right thereafter to strictly enforce the same. 9. Amendment of Terms and Conditions The Bank shall at its sole and absolute discretion amend, add and/or delete the Terms and Conditions herein from time to time with prior notice to you and they shall become effective on such date as the Bank may elect to adopt. Notice of such amendments or additions may be effected by displaying it at Bank s premises or Bank s website. 10. Governing Law These Terms and Conditions shall be governed by and construed in accordance with Malaysian laws. Page 3 of 5
4 Keahlian Alliance Personal ( AP ) Terma dan Syarat Semua pelanggan AP adalah terikat dengan Terma dan Syarat di dalam dokumen ini. Di dalam Terma dan Syarat ini, anda merujuk kepada anda, pemegang akaun bersama anda atau orang yang anda berikuasa yang merupakan pelanggan AP Alliance Bank Malaysia Berhad ( Bank ). 1. Keahlian Anda perlu memenuhi kriteria kelayakan kami untuk menjadi pelanggan AP, seperti yang disemak semula dari masa ke masa oleh Bank menurut budibicara mutlak Bank. Penerimaan anda dalam keahlian AP adalah menurut budibicara Bank. Syarat Deposit (tidak termasuk Savelink) dan/atau Pelaburan (tidak termasuk ASNB dan Bancasurance PR) minimum sebanyak RM100,000 dan ke atas dengan Allliance Bank, termasuk mumbuka Akuan Hybrid dengan minimum RM10, Perkhidmatan dan Keistimewaan AP Perkhidmatan dan Keistimewaan AP ditadbir oleh Terma dan Syarat yang dikenakan kepada perkhidmatan sedemikian. Bank boleh mengubah, menggantung, menarik balik atau menamatkan mana-mana atau semua perkhidmatan di bawah AP pada bila-bila masa tanpa memberi sebarang sebab. Anda boleh menghubungi Pakar Runding Kewangan Peribadi, Talian Perkhidmatan Pelanggan atau dari laman web Bank di mengenai perkhidmatan dan keistimewaan semasa yang anda boleh dapati Solusi Keistimewaan Dari semasa ke semasa Bank boleh memperkenalkan keistimewaan AP yang lain dan perkhidmatan yang diberikan oleh pihak ketiga kepada anda. Apa-apa perkhidmatan yang diberikan oleh pihak ketiga adalah tertakluk kepada terma dan syaratnya dan Bank tidak bertanggungjawab bagi apa-apa jua kerugian yang anda mungkin tanggung berhubung dengan perkhidmatan sedemikian Harga Keistimewaan Kad Debit Platinum Alliance Personal : Anda boleh mendapat satu Kad Debit Platinum Alliance Personal apabila membuka Akaun Hybrid. Apabila tamatnya keahlian, anda dikehendaki menyerahkan Kad Debit Platinum Alliance Personal dan Kad Debit Standard akan dikeluarkan untuk anda dan semua fi pengeluaran dan fi tahunan akan dicaj kepada anda. Penepian Fi Tahunan Kad Kredit VISA/MasterCard (Untuk Kad Kredit Platinum Sahaja): Penepian fi tahunan dilanjutkan sepanjang tempoh keahlian AP anda. Fi tahunan untuk kad kredit yang lazim akan dicaj kepada anda dengan sewajarnya apabila keahlian AP tamat. Pengeluaran Tunai ATM : Anda boleh menikmati penepian fi sehingga tiga (3) kali sebulan untuk pengeluaran tunai ATM yang dibuat melalui MEPS ATM Bank Tempatan di seluruh negara. Fi RM1.00 yang dicaj bagi setiap transaksi akan dikreditkan ke dalam akaun pengeluaran pada hari bekerja berikutnya dari tarikh transaksi. Akaun Perdagangan Bukan Margin & Pembiayaan Margin Saham : Anda berhak menikmati penepian fi pentadbiran pembukaan Akaun Perdagangan Bukan Margin dan fi pentadbiran pembukaan akaun Pembiayaan Margin Saham untuk had kredit RM250, dan ke atas. Komisen dan Duti Setem : Bank boleh mengenepikan semua komisen dan duti setem untuk cek, cek pengembara, perintah juruwang dan draf permintaan yang dikhususkan untuk kegunaan pelanggan AP dan bukan selainnya. Penepian ini (jika berkenaan) hanya diberikan untuk pengeluaran permulaan dan bukan untuk pembatalan dan/atau pengeluaran semula dan/atau pengeluaran berikutnya (sama ada benefisiari yang sama atau selainnya) dan/atau penunaian. 3. Maklumat Anda dengan ini bersetuju dan memberikuasa kepada Bank untuk mendedahkan kepada mana-mana orang di Malaysia termasuk tetapi tidak terhad kepada syarikat-syarikat dalam kumpulan Bank apa-apa maklumat tentang atau berkenaan dengan anda, hal ehwal anda dan/atau akaun bank bagi tujuan yang Bank anggapkan sesuai atau wajar.walau apa jua yang disebutkan di atas, Bank mengiktiraf bahawa (i) ia tidak akan mendedahkan maklumat saya kepada kumpulan syarikat yang berada, terletak, menjalankan perniagaan, diperbadankan atau ditubuhkan di Malaysia bagi tujuan jualan-silang jika pendedahan sedemikian dibantah oleh saya; (ii) ia hanya akan mendedahkan maklumat saya (tidak termasuk maklumat berkenaan hal ehwal atau akaun saya) kepada pihak ketiga; termasuk kumpulan syarikat yang berada, terletak, menjalankan Page 4 of 5
5 perniagaan, diperbadankan atau ditubuhkan di Malaysia bagi tujuan perikatan strategik, pemasaran dan promosi, jika anda telah secara nyata memberi persetujuan untuk pendedahan sedemikian. 4. Perubahan Alamat Anda hendaklah memaklumkan Bank dengan segera secara bertulis berkenaan apa-apa perubahan dalam alamat suratmenyurat anda. 5. Penamatan Keahlian AP 5.1. Anda boleh menamatkan keahlian AP anda dengan memberi notis bertulis kepada Bank Semua perkhidmatan dan keistimewaan AP akan ditamatkan serta-merta apabila anda meninggal dunia atau muflis Pemberian keahlian AP kepada anda adalah atas budibicara mutlak Bank dan Bank boleh membatalkan keahlian AP pada bila-bila masa tanpa memberi notis kepada anda terlebih dahulu. 6. Fi dan Caj Keahlian AP adalah dengan syarat anda memenuhi kriteria kelayakan Bank. Jika kriteria kelayakan tidak dipenuhi, Bank atas budibicara mutlaknya sama ada akan: a) Mengenakan fi (yang akan dipotong daripada mana-mana akaun anda dengan Bank dan anda secara nyata memberikuasa kepada Bank untuk berbuat demikian); atau b) Menurunkan taraf keahlian AP anda. Melainkan jika dinyatakan dalam dokumen ini, caj Bank tidak termasuk cukai semasa dan cukai masa hadapan yang boleh dikenakan (termasuk Cukai Barangan dan Perkhidmatan ( GST )), di bawah undang-undang yang relevan. Bank berhak untuk mendapatkan semula cukai tersebut daripada anda apabila sampai tarikh kuatkuasa pelaksanaan mana-mana cukai sedemikian di masa hadapan dan apabila dikenakan. 7. Tanggungrugi Anda hendaklah menanggungrugi sepenuhnya Bank terhadap semua kos dan perbelanjaan (termasuk fi guaman atas asas tanggungrugi) yang dibelanjakan oleh Bank dalam menguatkuasakan Terma dan Syarat ini dan mendapatkan semula apaapa amaun yang terhutang kepada Bank atau dibelanjakan oleh Bank dalam mana-mana prosiding guaman. 8. Penepian Penepian oleh Bank dalam penguatkuasaan mana-mana Terma dan Syarat tidak akan menjejaskan hak Bank kemudiannya untuk menguatkuasakannya. 9. Pindaan Terma dan Syarat Bank atas budibicara mutlaknya sendiri boleh meminda, menambah atau memadamkan Terma dan Syarat dalam dokumen ini dari masa ke masa tanpa memberi notis terlebih dahulu dan ia akan berkuatkuasa pada tarikh yang dipilih oleh Bank. 10. Undang-Undang Yang Mentadbir Terma dan Syarat ini hendaklah ditadbir oleh dan ditafsirkan menurut undang-undang Malaysia. Page 5 of 5
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