Mr. / Encik. Sex / Jantina: Race / Bangsa: Marital Status / Taraf Perkahwinan: Spouse Working / Pasangan Bekerja: Male / Lelaki Female / Perempuan

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1 PERSONAL FINANCING APPLICATION FORM (V8 + GENERIC) BORANG PERMOHONAN PEMBIAYAAN PERIBADI (V8 + GENERIC) Please send completed application form to: / Sila hantarkan borang permohonan yang lengkap ke: RHB BANK BERHAD CARDS & UNSECURED BUSINESS CREDIT CARD APPLICATION UNIT, Level 4, No. 75, Jalan Tun H. S. Lee, Kuala Lumpur. Personal Financing / Pembiayaan Peribadi Programme Code / Kod Program I also wish to apply for: Credit Card / Kad Kredit Name on Card (not > 19 characters) / Nama pada Kad (tidak melebihi 19 huruf): ATM PIN / PIN ATM: Yes / No / Ya Tidak V A Source / Sumber Region / Daerah Channel / Saluran Staff ID No. / No. ID Pekerja Branch / Cawangan Z A Source Code / Kod Rujukan FACILITY DETAILS / BUTIRAN KEMUDAHAN Card Collection / Penerima Kad Billing Address / Branch, please specify / Alamat Bil Cawangan, sila nyatakan Personal Financing Amount Requested / Amaun Pembiayaan Peribadi Yang Dikehendaki: PERSONAL DETAILS / BUTIRAN PERIBADI (Minimum RM2,000) Repayment Period (Months) / Tempoh Bayaran (Bulan): Purpose of Loan / Tujuan Pinjaman: New I.C. No. / No. K.P. Baru: Old I.C. No. / No. K.P. Lama: Passport No. / No. Pasport (Non-civilian No.): Name as per I.C. / Nama seperti K.P.: Mr. / Encik Ms. / Cik Others / Lain-lain D.O.B. / Tarikh Lahir: Sex / Jantina: Race / Bangsa: Marital Status / Taraf Perkahwinan: Spouse Working / Pasangan Bekerja: Male / Lelaki Female / Perempuan Bumiputera / Bumiputera Indian / India Chinese / Cina Others / Lain-lain Single / Bujang Married / Kahwin Divorced / Bercerai Widowed / Janda Yes / Ya No / Tidak Academic Qualification / Kelayakan Akademik: No. Of Children / Primary / Secondary / Diploma / Degree / Masters / Bil. Anak: Sekolah Rendah Sekolah Menengah Diploma Ijazah PhD Nationality / Warganegara: Address / Alamat E-mel: Billing Address / Alamat Bil: Home Address / Alamat Rumah Office Address / Alamat Pejabat RESIDENCE DETAILS / BUTIRAN KEDIAMAN Home Address / Alamat Rumah: (If P.O. Box address, rented or company residence, please complete Permanent Home Address section) Home Tel. No. / No. Tel. Rumah: Mobile Tel. No. / No. Tel. Bimbit: Postcode / Poskod Years Resided / Tahun Menetap: Residence is / Rumah miliki: Own / Sendiri Rented / Sewa Parents / Ibubapa Company / Syarikat Permanent Home Address / Alamat Rumah Tetap: Postcode / Poskod: EMPLOYMENT DETAILS / BUTIRAN PEKERJAAN Occupation / Pekerjaan: Sector of Employment / Government / Semi Government / Private / Type of Income / Salaried / Self-employed / Sektor Pekerjaan: Kerajaan Separa Kerajaan Swasta Jenis Pendapatan: Gaji Bulanan Bekerja Sendiri Company Name / Nama Syarikat: Nature of Business / Jenis Perniagaan: Office Address / Alamat Pejabat: Postcode / Poskod: Office Tel. No. / No. Tel. Pejabat: Annual Income / Pendapatan Tahunan: Years Employed / Tahun Bekerja: Other Income / Pendapatan Lain:

2 Name & Address of Previous Employer (if less than 2 years in present employment) / Nama & Alamat Majikan Terdahulu (jika bekerja kurang dari 2 tahun dengan majikan sekarang): Years Employed / Tahun Bekerja: Postcode / Poskod: PERSONAL SECURITY REFERENCE / RUJUKAN KESELAMATAN PERIBADI Mother s Maiden Name / Nama Ibu Sebelum Berkahwin: EMERGENCY CONTACT PERSON (Family Members Not Staying with You) / JIKA BERLAKU KECEMASAN HUBUNGI (Ahli Keluarga Yang Tidak Tinggal Bersama) Name / Nama: Relationship / Hubungan: Tel. No. / No. Tel.: Mobile Tel. No. / No. Tel. Bimbit: Company Name / Nama Syarikat: FINANCIAL PAYMENT ACCOUNT / AKAUN PEMBAYARAN WANG I would like the Personal Financing amount to be credited into my / Sila kreditkan jumlah Pembiayaan Peribadi yang diluluskan ke dalam Existing RHB Account / Akaun RHB Sedia Ada Account No. / No. Akaun: Other Bank (please specify) / Bank Lain (sila nyatakan) I declare, confirm and undertake that the details of the account stated above are correct and valid and that it is an individually-held account which is active and non-dormant (i.e. not inactive for more than 6 months). I acknowledge that there could be delays in the processing of my application or that the Personal Financing amount may not the credited into my account if the details given are not correct. Any charges imposed or levied on the account shall be my sole and absolute responsibility and liability. / Saya mengakui, mengesahkan dan mengakujanji bahawa butiran akaun yang dicatatkan di atas adalah betul dan sah dan ianya adalah pegangan individu yang aktif dan tidak dorman (iaitu tidak aktif selama 6 bulan). Saya akui bahawa mungkin berlaku kelewatan di dalam pemprosesan permohonan saya atau jumlah Pembiayaan Peribadi mungkin tidak dapat dikreditkan ke dalam akaun saya sekiranya butiran yang diberikan tidak betul. Sebarang bayaran yang dikenakan atau dilevikan di atas akaun tersebut adalah tanggungjawab dan liabiliti saya sepenuhnya. CREDIT TRANSACTIONS AND EXPOSURES WITH CONNECTED PARTIES / TRANSAKSI KREDIT DAN PENDEDAHAN DENGAN PIHAK BERKAITAN Do you have any immediate family or close relatives (including parent, brother/ sister and their spouses, dependent s spouse and own/ step/ adopted child) that are employees of RHB Banking Group? / Adakah anda mempunyai ahli keluarga atau saudara terdekat (termasuk ibubapa, abang/ kakak/ adik dan pasangan, pasangan di bawah tanggungan, anak dan saudara tiri/ angkat) yang sedang bekerja di RHB Banking Group? Yes / Ya No / Tidak Name as per MyKad/ Passport / Nama seperti MyKad/ Pasport: MyKad No. / No. MyKad: Passport No. / No. Pasport (Non-civilian No.): Relationship / Hubungan: FINANCIAL REFERENCE / RUJUKAN KEWANGAN I/We, (name) hereby declare that: Saya/Kami, (nama) mengesahkan bahawa: I/We do not have any non-bank organization outstanding debts Saya/Kami tidak mempunyai hutang di institusi-institusi bukan kewangan I/We do have non-bank organization outstanding debts as per below details Saya/Kami mempunyai hutang di institusi-institusi bukan kewangan seperti di bawah Bank/ Finance Company/ Others / Bank/ Syarikat Kewangan/ Lain-lain Type of Facility [Housing Loan (HL)/ Car Loan (CL)/ Personal Loan (PL)/ Others]/ Jenis Kemudahan [Pinjaman Perumahan (HL)/ Pinjamaan Kenderaan (CL)/ Pinjamaan Perseorangan (PL)/ Lain-lain] Loan Amount (RM) / Amaun Pinjaman (RM) Outstanding Balance (RM) / Baki Belum Jelas (RM) Monthly Repayment Amount (RM) / Amaun Bayaran Balik Bulanan (RM) I/We, the undersigned hereby declare that the above information provided by me/us are true and correct and in the event that the Bank subsequently discovered that any of the information provided are found to be false, incorrect or incomplete, the Bank shall have the absolute discretion to cancel or vary the facility approved. / Saya/Kami, dengan tandatangan di bawah, mengesahkan bahawa maklumat yang disediakan oleh saya/kami di atas adalah benar dan betul dan sekiranya Bank mendapati kemudian sebarang maklumat yang disediakan adalah tidak benar, salah atau tidak lengkap, pihak Bank berhak mengikut budi bicara mutlaknya membatal atau mengubah kemudahan yang telah diluluskan.

3 RHB PRIVACY NOTICE FOR NEW CUSTOMERS / NOTIS PRIVASI RHB UNTUK PELANGGAN-PELANGGAN BARU I understand that RHB Bank Berhad (Company No M) ("RHB") will use, collect, record, store, share and/or process my personal information, including, without limitation, my contact details, background information, financial data and other information relevant to my application for the product and/or service which (a) I have provided in this form or through any other contact with RHB Banking Group (which shall include RHB's holding company(s), subsidiary(s), and any associated company(s), including any company as a result of any restructuring, merger, sale or acquisition), or (b) has been obtained from analysis of my payment and other transactions/ services within the RHB Banking Group, or (c) has been obtained from third parties such as employers, joint applicants/ accountholders, guarantors, legal representatives, industry/ financial related associations, credit bureaus or credit reporting agencies, retailers, social networks and fraud prevention agencies or other organizations for any and/or all of the following purposes ( Purpose ), if applicable: i. providing this product and/or service and notifying me about important changes or developments to the features; ii. updating and managing the accuracy of RHB Banking Group's records; iii. prevention, detection or prosecution of crime, and complying with legal and regulatory obligations; iv. assessment and analysis including credit/ lending/ insurance risks/ behaviour scoring/ market and product analysis and market research; v. communications and ensuring customer satisfaction, which may include conducting surveys to improve the quality of our products and services, responding to inquiries and complaints and to generally resolve disputes; vi. determining the amount of my indebtedness and recovering debt that I owe to RHB; vii. maintaining my credit history for present and future reference; viii. enabling an actual or proposed assignee of RHB, or participant or sub-participant of RHB to evaluate my transactions which are intended to be the subject of the assignment, participation or sub-participation; and ix. protecting RHB Banking Group's interests and other ancillary or related purposes. I understand and acknowledge that it is necessary for RHB to process my personal information for the Purpose, without which RHB will not be able to provide the product/ service that I have requested from RHB and to notify me about important changes or developments to the products/ services. Where I have provided RHB with sensitive personal information (in particular, information consisting my physical/ mental health for applications of insurance products/ services), I hereby provide RHB with my express consent to process the same in the manner described in this Privacy Notice. I understand that RHB may disclose my personal information (or sensitive personal information, if applicable) to other companies within the RHB Banking Group, service providers, merchants and strategic partners, vendors including debt collection agencies, professional advisers, industry/ financial related associations, credit bureaus or credit reporting agencies and fraud prevention agencies, governmental agencies, other financial institutions and any of their respective agents, servants and/or such persons, whether located within or outside Malaysia for the Purpose, if applicable, subject at all times to any laws (including regulations, standards, guidelines and/or obligations) applicable to RHB. I further understand that I may request for correction (if my personal information is inaccurate, outdated, incomplete, etc), access to (a prescribed fee may be charged), or deletion (if I no longer have any existing products/ services with RHB Banking Group) of my personal information or limit the processing thereof at any time hereafter by submitting such request via post, or fax to the following address: RHB Banking Group Customer Care Centre Level 7 Menara AA, Jalan Tun Razak, Kuala Lumpur, Malaysia. Facsimile number: / Telephone number: / customer.service@rhbgroup.com I acknowledge that RHB Banking Group may modify or update its Privacy Notice from time to time, a copy of which is available at and that I may channel any complaints or inquiries I may have in the manner indicated above. [This paragraph is only applicable to individual guarantor(s), if any] I understand that as a guarantor, RHB will process my personal information according to the Purpose described above and that I will have similar rights to access and correct my personal information as described above. ACKNOWLEDGEMENT AND CONSENT By providing my personal information and signature, I consent to RHB processing my personal information for any necessary disclosures and overseas transfers of my personal information to relevant third parties, for the Purpose, if applicable. I agree to the disclosure and/or transfer of my personal information to relevant third parties as a result of any restructuring, sale or acquisition of any company within the RHB Banking Group, provided that the recipient uses my personal information for the Purpose, if applicable. I also represent and warrant that I have sufficiently obtained the consent of third party individual(s) (e.g. family, spouse, related parties, supplementary cardholder and/or emergency contact persons, etc) whose personal information I have disclosed to RHB to allow RHB to process the same in relation to the Purpose, if applicable. [This paragraph is only applicable to the authorized signatory(s)/contact person(s) of RHB's corporate customer(s), if any] As the authorized signatory(s)/contact person(s) of RHB s corporate customer, I/we understand that personal information of the directors, individual shareholders, employees, etc, may be collected and processed by RHB for the Purposes described above. I/We represent and warrant that I am/we are entitled to provide the said personal information of my/our legal entity (corporate customer) to RHB and/or the appropriate consent have been obtained to allow RHB to process his/her personal information for the Purpose. CONSENT FOR CROSS SELLING, MARKETING, PROMOTIONS, ETC I/We consent and authorize RHB to process and disclose any information that I/we have provided for the purposes of cross selling, marketing, promotions (including administering offers and competitions), and conducting surveys (to improve the quality of products/ services) to RHB Banking Group (which shall include the holding company(s), its subsidiary(s), any associated company(s) and/or any company/ branch as a result of any restructuring, merger, sale or acquisition, whether in or outside Malaysia, strategic partners, service providers and its agent, servant and/or such persons or third parties, if applicable. Yes No * Note: This clause is only applicable to individuals and small and medium-sized enterprises (SMEs). Saya faham bahawa RHB Bank Berhad (No. Syarikat 6171-M) ("RHB") akan menggunakan, mengumpul, merekod, menyimpan, berkongsi dan/atau memproses maklumat peribadi saya, termasuk, tanpa had, butir-butir pengenalan saya, maklumat latar belakang, data kewangan dan maklumat lain yang berkaitan dengan permohonan saya untuk produk dan/atau perkhidmatan yang a) telah saya berikan di dalam borang ini atau melalui sebarang perhubungan lain dengan Kumpulan Perbankan RHB (termasuk syarikat-syarikat induk RHB, syarikat-syarikat subsidiari, dan mana-mana syarikat yang berkenaan), termasuk mana-mana syarikat yang terhasil daripada mana-mana penyusunan semula, penggabungan, jualan atau pengambilalihan atau b) diperolehi daripada analisis pembayaran saya dan urusniaga/ perkhidmatan yang lain dalam Kumpulan Perbankan RHB, atau c) diperolehi daripada pihak ketiga seperti majikan, pemohon bersama/ pemegang-pemegang akaun, penjamin-penjamin, wakil-wakil perundangan, persatuan-persatuan berkaitan industri/ kewangan, biro-biro kredit atau agensi-agensi pelaporan kredit, penjual-penjual, rangkaian-rangkaian sosial dan agensi-agensi pencegahan penipuan atau organisasi-organisasi lain, untuk mana-mana dan/atau semua tujuan-tujuan yang berikut ("Tujuan"), jika berkaitan: i. menyediakan produk dan/atau perkhidmatan ini dan memaklumkan saya tentang sebarang perubahan penting atau perkembangan tentang ciri-ciri produk dan/atau perkhidmatan tersebut; ii. mengemaskini dan menguruskan ketepatan rekod Kumpulan Perbankan RHB; iii. pencegahan, pengesanan atau pendakwaan jenayah, dan pematuhan obligasi-obligasi perundangan dan peraturan; iv. penilaian dan analisis termasuk pemarkahan kredit/ pinjaman/ risiko insurans/ kelakuan, analisis pasaran dan produk dan penyelidikan pasaran; v. perhubungan dan memastikan kepuasan pelanggan, yang mungkin termasuk menjalankan kajian-kajian meningkatkan kualiti produk-produk dan perkhidmatan-perkhidmatan kami, membalas kepada pertanyaan dan aduan serta untuk menyelesaikan percanggahan secara umumnya; vi. menentukan jumlah hutang saya dan pemungutan hutang yang saya berhutang kepada RHB; vii. mengekalkan sejarah kredit saya untuk rujukan semasa dan akan datang; viii. membolehkan pemegang serah hak sebenar atau yang dicadangkan oleh RHB, atau peserta atau sub peserta RHB untuk menilai urus niaga saya yang bertujuan untuk menjadi subjek penyerahhakan, penyertaan atau sub penyertaan; dan ix. melindungi kepentingan Kumpulan Perbankan RHB dan tujuan sampingan atau tujuan lain yang berkenaan. Saya faham dan mengakui bahawa RHB perlu memproses maklumat peribadi saya untuk Tujuan tersebut, tanpanya RHB tidak akan dapat menyediakan produk/ perkhidmatan yang saya minta daripada RHB dan untuk memaklumkan saya tentang sebarang perubahan penting atau perkembangan tentang produk/ perkhidmatan tersebut. Di mana saya telah memberi RHB maklumat peribadi sensitif (khususnya, maklumat tentang kesihatan fizikal/ mental saya untuk permohonan bagi produk insurans/ perkhidmatan), saya dengan ini memberikan RHB persetujuan nyata saya untuk memproses mengikut cara yang dinyatakan dalam Notis Privasi ini. Saya faham bahawa RHB mungkin akan mendedahkan maklumat peribadi saya (atau maklumat peribadi sensitif, jika berkenaan) kepada syarikat-syarikat lain di dalam Kumpulan Perbankan RHB, penyedia-penyedia perkhidmatan, peniaga-peniaga dan rakan-rakan kongsi strategik, pembekal-pembekal termasuk agensi-agensi pemungutan hutang, penasihat-penasihat profesional,

4 persatuan-persatuan berkaitan industri/ kewangan, biro-biro kredit atau agensi-agensi pelaporan kredit dan pencegahan penipuan, agensi-agensi kerajaan, institusi-institusi kewangan yang lain dan mana-mana ejen, pekerja, dan/atau mana-mana orang mereka, sama ada bertempat di dalam atau di luar Malaysia untuk Tujuan tersebut, jika berkenaan, tertakluk pada setiap masa kepada mana-mana undang-undang (termasuk peraturan-peraturan, piawaian, garis panduan dan/atau obligasi) yang terpakai kepada RHB. Saya juga faham bahawa saya boleh meminta untuk membuat pembetulan (jika maklumat peribadi saya adalah tidak tepat, ketinggalan zaman, tidak lengkap, dan lain-lain), akses kepada (fi yang ditetapkan mungkin dikenakan), atau untuk menghapuskan (jika saya tidak lagi mempunyai apa-apa produk/ perkhidmatan yang sedia ada dengan Kumpulan Perbankan RHB) ke atas maklumat peribadi saya atau mengehadkan pemprosesan itu pada bila-bila masa selepas ini dengan mengemukakan permintaan tersebut melalui pos, e-mel atau faks kepada alamat berikut: RHB Banking Group Customer Care Centre, Level 7 Menara AA, Jalan Tun Razak, Kuala Lumpur, Malaysia. Nombor Faks: / Nombor Telefon: / E-mel: customer.service@rhbgroup.com Saya mengakui bahawa Kumpulan Perbankan RHB boleh mengubahsuai atau mengemas kini Notis Privasi ini dari masa ke semasa, di mana salinannya boleh didapati di dan saya boleh menyalurkan sebarang aduan atau pertanyaan yang saya mungkin ada dengan cara yang ditunjukkan di atas. [Perenggan ini hanya terpakai kepada penjamin-penjamin individu, jika ada] Saya faham bahawa sebagai penjamin, RHB akan memproses maklumat peribadi saya mengikut Tujuan yang dinyatakan di atas dan saya akan mempunyai hak-hak yang sama untuk mengakses dan membetulkan maklumat peribadi saya seperti yang dinyatakan diatas. PENGIKTIRAFAN DAN KEBENARAN Dengan memberikan maklumat peribadi saya berserta tandatangan, saya mengizinkan RHB memproses maklumat peribadi saya untuk mana-mana pendedahan yang diperlukan dan pemindahan maklumat peribadi saya ke luar negara kepada pihak ketiga yang berkaitan, jika berkenaan. Saya bersetuju dengan pendedahan dan/atau pemindahan maklumat peribadi saya kepada pihak ketiga yang berkaitan akibat daripada apa-apa penyusunan semula, penjualan atau pengambilalihan mana-mana syarikat dalam Kumpulan Perbankan RHB, dengan syarat bahawa penerima menggunakan maklumat peribadi saya untuk Tujuan tersebut sahaja. Saya juga menyatakan dan menjamin bahawa saya telah cukup memperolehi persetujuan individu-individu pihak ketiga (contohnya keluarga, pasangan, pihak-pihak berkaitan, pemegang kad tambahan dan/atau orang hubungan kecemasan, lain-lain) di mana maklumat peribadi mereka telah saya dedahkan kepada RHB untuk membenarkan RHB membuat pemprosesan yang sama berhubung dengan Tujuan, jika berkenaan. [Perenggan ini hanya terpakai kepada penandatangan yang diberi kuasa/orang yang boleh dihubungi daripada pelanggan-pelanggan korporat RHB, jika ada] Sebagai penandatangan yang diberi kuasa/orang yang boleh dihubungi daripada pelanggan korporat RHB, saya/kami memahami bahawa maklumat peribadi pengarah-pengarah, pemegang-pemegang saham individu, pekerja-pekerja, dan lain-lain, boleh dikumpul dan diproses oleh RHB untuk Tujuan yang dinyatakan di atas. Saya/Kami menyatakan dan menjamin bahawa saya/kami berhak untuk memberikan maklumat peribadi tersebut daripada entiti undang-undang saya/kami (pelanggan korporat) kepada RHB dan/atau persetujuan yang sesuai telah diperolehi untuk membolehkan RHB memproses maklumat peribadi untuk Tujuan tersebut. KEBENARAN UNTUK PENJUALAN SILANG, PEMASARAN, PROMOSI DAN LAIN-LAIN Saya/Kami mengizin dan membenarkan RHB memproses dan mendedahkan apa-apa maklumat yang saya/kami telah berikan kepada RHB untuk tujuan penjualan silang, pemasaran dan promosi (termasuk untuk menjalankan tawaran dan pertandingan), dan menjalankan kajian (bagi memperbaiki kualiti produk/ perkhidmatan) kepada Kumpulan Perbankan RHB (di mana termasuk syarikat induk, anak-anak syarikat, mana-mana syarikat yang berkaitan dan/atau mana-mana syarikat/ cawangan yang terhasil daripada apa-apa penyusunan semula, penggabungan, jualan atau perolehan, sama ada di dalam atau di luar Malaysia, rakan-rakan kongsi strategik, penyedia-penyedia perkhidmatan dan agen-agen, pekerja-pekerja dan/atau mana-mana orang mereka atau pihak ketiga, jika berkenaan. Ya Tidak * Nota: Klausa ini hanya terpakai kepada individu-individu dan perusahaan kecil dan sederhana (SMEs). FOREIGN ACCOUNT TAX COMPLIANCE ACT (FATCA) DECLARATION / AKUAN AKTA KEPATUHAN PERCUKAIAN AKAUN ASING PLEASE TICK ( ) WHERE APPLICABLE IN RELATION TO THE PROVISION BELOW / SILA TANDAKAN ( ) UNTUK YANG BERKENAAN I/We have been briefed and I/we hereby confirm I/we understand the FATCA requirements. I/We hereby declare that I am/we are Saya/Kami telah dimaklumkan dan saya/kami dengan ini mengesahkan bahawa saya/kami memahami keperluan FATCA. Saya/Kami dengan ini mengisytiharkan bahawa saya/kami: Non-U.S. Individual(s) with no U.S. indicia / Bukan Individu Amerika Syarikat dan tidak mempunyai ciri-ciri indicia Amerika Syarikat Non-U.S.Individual(s) with U.S. Indicia/ Non-U.S. Legal Entity(s) (provide Form W-8) / Bukan Individu Amerika Syarikat tetapi mempunyai ciri-ciri indicia Amerika Syarikat/ Bukan Entiti Sah Amerika Syarikat (borang W-8) U.S. Individual(s)/ U.S. Legal Entity(s) (provide Form W-9) / Individu Amerika Syarikat/ Entiti Sah Amerika Syarikat (borang W-9) CREDIT REPORTING AGENCIES (CRA) CONSENT DECLARATION / AKUAN KEBENARAN KREDIT PELAPORAN AGENSI I/We, with I.C. number of authorize and consent to RHB Bank/RHB Islamic Bank to obtain any credit information from CTOS and/or other registered Credit Reporting Agencies as defined under the Credit Reporting Agencies Act 2010 without further notice to me/us to such extent and for the purpose of the followings (whichever is applicable): Credit application processing Credit limit review Restructuring Overlapping Upgrading Saya/Kami, dengan kad pengenalan bernombor dengan ini memberi kuasa dan memberi kebenaran kepada RHB Bank/RHB Islamic Bank untuk mendapatkan apa-apa maklumat kredit daripada CTOS dan/atau mana-mana Agensi Pelaporan Kredit berdaftar seperti yang didefinisikan di bawah Akta Agensi Pelaporan Kredit 2010 tanpa sebarang notis lanjut kepada Saya/Kami bagi tujuan seperti yang berikut (mana-mana yang berkenaan): Pemprosesan permohonan kredit Kajian semula had kredit Penyusunan semula Pertindihan Naik taraf permohonan

5 DECLARATION / PENGESAHAN I/We hereby confirm and declare that all the information provided by me/us is complete, true and correct and that I/we authorize RHB Bank Berhad (the Bank) to verify any information provided and to obtain from any source including Inland Revenue as the Bank considers appropriate any information which the Bank may require. The Bank may, at its sole and absolute discretion, approve or reject my/our application. I/We hereby agree that by signing and/or using the credit facilities/ RHB Bank Visa/ MasterCard Credit Card, I/we agree to be bound by and to comply with all terms and conditions of the Bank/ Bank cardmember agreement(s) which will be sent to me/us upon approval of my/our application and any other terms and conditions imposed by the Bank from time to time for credit facilities/ RHB Bank Visa/ MasterCard Credit Card and all amendments thereto and agree that the credit facilities/ RHB Bank Visa/ MasterCard Credit Card may only be used to such terms and conditions. I/We understand the credit facilities/ RHB Bank Visa/ MasterCard Credit Card when issued remain the property of the Bank and must be paid/ returned to the Bank upon request and shall be subjected to cancellation within thirty (30) calendar days prior notice. I/We hereby irrevocably and unconditionally agree(s), authorize(s) and permit(s) the Bank to share or disclose all the information provided by me/us to its co-brand partner(s) and /or its related corporations, where necessary to operate the RHB Co-brand Credit Card(s) programme in order to provide me/us with services relating to the said programme, to communicate with me/us, to promote offers, to fulfill requests including redemption of co-brand partner s points, and for identification, validation and verification purposes in relation thereto. I/We hereby expressly irrevocably and unconditionally agree(s), authorise(s), consents and permit(s) the Bank to furnish all relevant information relating to or arising from or in connection with the banking facilities and my creditworthiness evaluation including but not limited to: a) any authorities, Merchants and any member of the institute of Visa International or MasterCard International; b) companies within the RHB Capital Berhad Group of Companies, its agent, servants and/or such persons, or Bank Negara Malaysia, Cagamas Berhad or such other authority or body established by Bank Negara Malaysia or such other authority having jurisdiction over the Bank as the Bank may absolutely deem fit and such other authorities pursuant to any applicable law, regulations or directive (whether having the force of law or otherwise). I/We hereby irrevocably and unconditionally agree(s) and consent(s) to receiving SMS notifications from co-brand partner(s) and/or its related corporations in relation to any matter related to RHB Co-brand Credit Card(s) which the Bank, co-brand partner(s) and/or its related corporations may deem necessary from time to time. I/We hereby confirm that no further permission or consent from me/us is necessary or required in relation to all of the above disclosures and this declaration shall constitute the consent required pursuant to Section 134 of Financial Services Act 2013 and any other contractual consent for such disclosures. I/We shall not dispute the contents of the faxed copy received by the Bank which shall be deemed as the original application and I/we shall produce the original application to the Bank upon request. I/We agree to abide by the Anti-Money Laundering Laws of Malaysia. For principal/ primary accountholder card applicant only: I/We hereby agree to be liable for all transactions charged to my/our principal/ primary accountholder card(s) and any supplementary/ joint account holder card(s) issued. For non-malaysian applicants only: I/We confirm that my/our borrowings from all sources within Malaysia do not exceed in the aggregate amount of RM200, If my borrowings inclusive of the approved credit limit for my/our card(s) exceeds RM200,000.00, I/we shall advise the Bank in writing immediately. I/We have been briefed on the description and benefits pursuant to the Product Disclosure Sheet that has been given to me/us on the RHB Personal Loan/ RHB Bank Visa/ MasterCard Credit Card applied herein. I/We hereby confirm that the preferred language for this application which I/we opt for is as stated below (Please tick where applicable). Saya/Kami dengan ini mengesahkan dan mengakui kesemua maklumat yang diberikan oleh saya/kami adalah lengkap, benar dan tepat dan saya/kami memberi kebenaran kepada RHB Bank Berhad (Bank) untuk mengesahkan sebarang maklumat yang diberikan dan mendapat daripada mana-mana sumber termasuk Lembaga Hasil Dalam Negeri sebarang maklumat yang dianggap perlu atau diperlukan oleh Bank. Bank berhak atas budi bicara mutlaknya untuk melulus atau menolak permohonan saya/kami. Saya/Kami bersetuju dengan menandatangani dan/atau menggunakan kemudahan kredit/ Kad Kredit Visa/ MasterCard RHB Bank ini, saya/kami bersetuju untuk diikat oleh dan mematuhi kesemua terma-terma dan syarat-syarat Perjanjian Ahli Kad yang akan dihantar kepada saya/kami bersama Kad setelah permohonan ini diluluskan dan kesemua terma-terma dan syarat-syarat perjanjian kemudahan kredit/ Kad Kredit Visa/ MasterCard RHB Bank yang dikenakan oleh Bank termasuk semua pindaan dari semasa ke semasa serta bersetuju bahawa kemudahan kredit/ Kad Kredit Visa/ MasterCard RHB Bank digunakan tertakluk pada terma-terma dan syarat tersebut. Saya/kami faham bahawa kemudahan kredit/ Kad Kredit Visa/ MasterCard RHB Bank adalah sentiasa hakmilik Bank dan hendaklah dibayar/ diserahkan kepada Bank apabila diminta dan boleh dibatalkan oleh Bank dengan memberi notis tiga puluh hari (30) hari kalender. Saya/Kami dengan perihal tidak boleh dibatalkan dan dengan tiada syarat bersetuju, memberi kebenaran dan membenarkan Bank berkongsi atau memberi semua maklumat yang dibekalkan oleh saya/kami kepada rakan kongsi jenama bersamanya dan/atau syarikat berkaitan untuk menjalankan program Kad Kredit Rakan Kongsi Jenama RHB Bank bagi menyediakan perkhidmatan-perkhidmatan yang bersangkutan dengan program berkenaan kepada saya/kami, untuk berkomunikasi dengan saya/kami, mempromosikan tawaran, memenuhi permintaan termasuklah penebusan mata dan juga untuk tujuan pengenalan, mengesahkan serta penentusahan yang berkenaan dengannya. Saya/Kami dengan perihal tidak boleh dibatalkan dan dengan tiada syarat bersetuju, memberi kebenaran dan membenarkan Bank untuk memberi kepada Bank Negara Malaysia, Cagamas Berhad, bureau kredit atau bureau pusat yang ditubuhkan oleh Bank Negara Malaysia termasuk tetapi tidak terhad kepada Sistem Maklumat Rujukan Kredit Pusat dan lain-lain pihak berkuasa dibawah sebarang undang-undang, peraturan atau perintah (sama ada mempunyai kuasa undang-undang atau tidak) atau mana-mana pihak yang ditentukan sesuai dan berkenaan oleh Bank, sebarang maklumat berkenaan dengan saya/kami untuk apa-apa tujuan termasuk tetapi tidak terhad kepada kemudahan Bank yang berkenaan dan tujuan menilai kemampuan kredit saya/kami. Saya/Kami bersetuju dan mengizinkan untuk menerima pemberitahuan SMS dari rakan kongsi jenama bersama dan/atau berkaitan berkenaan dengan sebarang pekara yang berkaitan dengan Kad Kredit Jenama Bersama RHB Bank seperti mana yang dianggap perlu oleh Bank, rakan kongsi jenama bersama dan/atau syarikat berkaitan dari semasa ke semasa. Saya/Kami dengan ini mengesahkan bahawa tiada kebenaran atau kelulusan selanjutnya dari saya/kami adalah perlu berkaitan dengan perkara tersebut di atas dan deklarasi ini adalah kebenaran yang perlu di bawah Seksyen 134 Akta Perkhidmatan Kewangan 2013 dan segala kebenaran berasas kontrak untuk pemberian maklumat tersebut. Saya/Kami tidak akan mempertikaikan isi kandungan salinan faks yang diterima oleh RHB Bank Berhad yang akan dikira sebagai permohonan benar dan saya/kami akan mengeluarkan permohonan benar kepada Bank apabila diminta. Saya/Kami bersetuju mematuhi undang-undang Pencegahan Pengubahan Wang Haram dan Pencegahan Pembiayaan Keganasan Malaysia. Untuk pemohon kad utama/ kad pemegang akaun utama sahaja: Saya/Kami bersetuju untuk menanggung kesemua transaksi yang dicajkan kepada kad utama/ kad pemegang akaun utama saya/kami dan kad tambahan/ kad pemegang akaun bersama yang dikeluarkan. Untuk pemohon bukan bermastautin Malaysia sahaja: Saya/Kami bersetuju bahawa pinjaman saya/kami dari kesemua sumber di Malaysia tidak melebihi RM200,000. Sekiranya pinjaman saya/kami termasuk had kredit untuk kad saya/kami melebihi RM200,000, saya/kami akan memberitahu Bank dengan serta merta. Saya/kami telah diberitahu tentang keterangan dan faedah berhubung dengan Helaian Pendedahan Produk yang telah diberikan kepada saya/kami berkaitan dengan pembiayaan peribadi/ Kad Kredit RHB yang dipohon di sini. Saya/Kami dengan ini mengesahkan bahawa pilihan bahasa untuk permohonan ini adalah seperti yang dinyatakan di bawah (sila tanda mana yang berkenaan). English Bahasa Malaysia Name / Nama : I.C. No. / No. K.P.: Signature / Tandatangan: IMPORTANT DISCLOSURES / MAKLUMAT PENTING Document Required / Dokumen Diperlukan Copy of MyKad (front and back) / Salinan MyKad(depan dan belakang) Form 9, 24, 49 or Business Registration Certificate / Borang 9, 24, 49 atau Sijil Pendaftaran Perniagaan MNCs Salaried / Bergaji NON-MNCs Govt. / Kerajaan Self-employed / Bekerja Sendiri Commission Earner / Pendapatan Komisen Salary Slip/ Commission Statement** / Penyata Gaji/ Penyata Komisen** 1 Month / Bulan * 1 Month / Bulan 1 Month / Bulan 6 Months / Bulan Bank Statement / Penyata Bank 1 Month / Bulan * 1 Month / Bulan 1 Month / Bulan 6 Months / Bulan *6 Months / Bulan EPF Statement (latest) / Penyata KWSP (terkini) 6 Month / Bulan 6 Month / Bulan Latest Form B/BE (with validated receipt of payment to IRB) / Borang B/BE terkini (dengan resit sah pembayaran kepada LHDN) * Compulsory / Wajib * Combination of documents / Kombinasi dokumen Any of the documents listed / Sebarang dokumen yang tersenarai NOTE: Salaried Non-MNCs (salary slip and bank statement) or Latest EPF statement (min. 6 months). **Commission Earner Subsmission (6 months salary slip or 6 months commission statement) and (latest 6 months crediting bank statement or Latest BE Form). / PERHATIAN: Pekerja Bergaji Non-MNCs (slip gaji dengan penyata bank) atau penyata KWSP Terkini (minima 6 bulan). **Pekerja Berpendapatan Komisen (6 bulan slip gaji atau 6 bulan penyata komisen) dan (6 bulan penyata bank pengkredit atau Borang BE Terkini).

6 Subject to the Bank's acceptance of the Applicant's application, the Applicant hereby agrees that the terms and conditions in this Schedule I ( Terms and Conditions ) shall apply to the Facility and the Applicant agrees to be bound by such terms and conditions. 1. Definitions and Interpretation 1.1 The words terms and expressions herein shall have the following meaning: Applicant means the person signing the Application Form, which refers to the Primary applicant in a single application or/and Secondary applicant in a joint-application; Joint-Application means the Facility that is jointly applied and severally responsible by both Primary and Secondary applicant; Approval Letter means the letter of approval of the Bank addressed to the Applicant in respect of the application for the Facility by the Applicant; Bank means RHB Bank Berhad (Company No M), a licensed financial institution incorporated in Malaysia having a registered office at Level 10, Tower One, RHB Centre, Jalan Tun Razak, Kuala Lumpur; Due Date means the date stated in the communication for payment of Minimum Payment and other sums due and payable by the Applicant to the Bank and, if applicable, includes payment of arrears in Minimum Payment and/or such other sums in arrears by the Applicant; On-the-Spot Approval & Disbursement ( OSAD ) means a feature of the Facility where approval may be granted approximately within one (01) hour from the time application for the Facility is submitted; this feature is only available when applications are made at selected RHB Bank Berhad branches and not through any other channels Early Exit Penalty means a fee of Ringgit Malaysia One Hundred (RM100.00) or one percent (1%) of the principal amount of the Facility (as approved by the Bank in the Approval Letter), whichever is the higher; Event of Default means any of the events set out in Clause 4.1; Facility means the principal sum of the facility approved by the Bank in its Approval Letter subject to the terms and conditions herein and where the context so requires, the outstanding amount of the Facility; Stamp Duty meaning tax levied on the documentation for this Facility as stated in the Stamp Act 1949 and shall be debited from the Facility prior to loan disbursement. Personal Smart Shield means the arrangement of insurance coverage for the Facility in the event of death or total and permanent disability subject to the terms of the insurance provider and shall be debited from the Facility prior to loan disbursement. In a Joint-Application, PSS is mandatory to the Primary applicant and coverage is restricted to him/her only. Indebtedness means the Facility, interest thereon, late payment charges and any other sum or sums due and payable by the Applicant to the Bank pursuant to the terms and conditions herein; Minimum Payment means the amount specified in the Approval Letter as Fixed Payment and which payment is payable monthly on the Due Date stated in the Approval Letter subject to the terms and conditions herein and Minimum Payments shall be construed accordingly; Statement means the Facility details in the form of a paper statement which is sent to customer for free on an annual basis. Alternatively, a monthly notice on Facility will be sent via Short Messages System (SMS) to the Applicant; Repayment Period means the period of repayment of the Facility and interest thereon as stated in the Approval Letter or if applicable, such other period as may be mutually agreed between the Bank and the Applicant; RM or Ringgit Malaysia means Ringgit Malaysia, the lawful currency of Malaysia; Working day means a day (other than Saturday, Sunday or public holiday) on which the Bank is open for business; Bank@Work means repayment via salary deduction arrangements for selected organisations having company payroll account with the Bank and interest rate will be revised via rebates scheme from the prevailing interest rates and it shall be discontinued in the event the account falls into delinquency (i.e. 30 calendar days) and in such event, interest rates shall fall back to the prevailing interest rates. Rule 78 is a method of calculating the proportion of principal and interest where the interest forms a larger percentage of the instalment at the early stage of the tenure. 1.2 The term Year means a period of 365 days. 2. The Facility 2.1 The Facility and interest thereon shall be repaid by the Applicant by way of payment of Minimum Payments within the Repayment Period in accordance with the terms herein. 2.2 The interest rate(s) applicable are based on tier(s). Interest rates starts as low as 8.18% flat per annum (equivalent to 15% per annum of effective rate). Interest is charged upfront on the loan amount approved and interest is pre-computed for the entire tenure based on Rule 78. The final interest rate may vary from the interest rate offered at the point of application. In the event of the said variation, the Bank will give prior notice to the Applicant. Notwithstanding this the Bank reserve the right to vary the interest rate/ rebate rate or amend any of the product offers at any time with prior notice to the Applicant(s) for a period of not less than twenty one (21) calendar days and they shall become effective on such date as the Bank may elect to adopt. At the absolute discretion of the Bank, a notice of such additions or amendments or variations may be effected by:- i. Displaying the same at the premises of the Bank or its branch offices or by mailing the aforesaid notice to the Applicant; or ii. By sending notice of the same by SMS or electronic mail to the Applicant or by posting the notice of the same on RHB Bank s website For Bank@Work, there will be a rebate on the prevailing interest rate(s) based on pre-agreed rebate rate. Rebate is subject to regular repayments only and will be discontinued permanently once account is defaulted. At such, reinstatement of rebate is solely at the Bank s absolute discretion. Calculation of interest on principal sum of the Facility will commence from the day the Facility is approved; in accordance to the date stated in the Approval Letter. Any payment due remaining unpaid on the Due Date shall be capitalised and shall thenceforth bear interest and to be computed from the day on which the payment due ought to have been paid. Without prejudice to the rights of the Bank herein, in such an event the Minimum Payment shall be adjusted by the Bank accordingly. Should there be shortfall in the amount payable or in other circumstances as the Bank deems fit, without prejudice to the right of the Bank; the Bank reserves the absolute right to demand such shortfall from the applicant. 2.3 Each Minimum Payment shall be made on or before the Due Date. The first Minimum Payment shall be made on or before the Due Date of the following month and months after until sum of Indebtedness is repaid in full; of which the due date will be stated in the Approval Letter Under Bank@Work Scheme, the first minimum payment shall be debited from the Facility prior to loan disbursement. Subsequent repayment will be made through deduction of salary on the salary crediting day and only deemed to have been paid upon receipt of payment by the Bank and not when the deduction of salary is being made. Without prejudice to this clause, Applicant(s) is deemed to directly make payments to the Bank. i. until the salary deduction by the applicant takes effect; and/or ii. if salary deducted is not being received by the Bank due to whatsoever reasons and/or iii. if the amount received via the salary deduction scheme is less then the actual minimum payment 2.4 Without prejudice to the rights and remedies of the Bank to call an Event of Default, any unpaid Minimum Payment on its Due Date shall be carried forward to the Due Date for the following month provided always that the Applicant shall pay late payment charge on the instalment payment in arrears at the rate of one percent (1%) per annum, calculated on daily basis, until such arrears are paid in full. For avoidance of doubt, in respect of any particular month, without prejudice to the rights and remedies of the Bank, the Applicant shall pay. 2.5 Each correspondence or other certificate issued by the Bank shall be deemed conclusive and binding in respect of the matters stated therein on the Applicant save for manifest error. 2.6 Any amount of the Facility so repaid shall not be re-borrowed An Early Exit Penalty is payable by Applicant in the following event(s): If pre-payment in full is made in respect of the Indebtedness less than six (06) months from the date of the Approval Letter; Where the Early Exit Penalty is payable, the Early Exit Penalty shall be paid together with the prepayment of the Indebtedness. Nevertheless, should the Applicant fail to pay the Early Exit Penalty it shall be treated as a debt due to the Bank and shall form part of the Indebtedness. 2.8 Any such prepayment that exceed monthly repayment Minimum Payment or any prepayment in parts shall be deemed to be advance payment. Such amount of advance payment if sufficient to cover the monthly repayment(s) will extend the schedule due date (monthly due date) to a later date. 2.9 All payments by the Applicant to the Bank shall be regarded for all purposes as payments in gross. 3. Process of Application and Disbursement of Facility 3.1 Subject to the Bank's receipt of complete documentation and information in respect of the Application and the Application is in order and is completed to the satisfaction of the Bank, the Bank will require three (3) working days to process the Application or approximately one (1) hour in the case of OSAD. OSAD shall not be available in situations such as connection failure or malfunction of any equipment, system or software used in connection with the processing, including CCRIS and CTOS. Upon approval of the Facility, the Bank will issue to the Applicant an Approval Letter. 3.2 Subject to Clause 3.1, the Bank reserve the right to request for additional documentation or information apart from the ones mentioned in the print materials where deemed necessary and appropriate. OSAD is also subject to availability of GMPC certificate of Malaysian citizens who are residing and working in Malaysia ONLY. 3.3 In the event that the Bank in its absolute discretion approves a lower principal amount or an extended Repayment Period of the Facility than that applied for by the Applicant, the Applicant shall be deemed to have accepted such reduced Facility or an extended Repayment Period and in such an event, "Facility" shall mean such reduced Facility or Repayment Period shall mean such extended Repayment Period. 3.4 The acceptance of the Application and issuance of the Approval Letter by the Bank shall be deemed an agreement by the Applicant to borrow and the Bank to make available the Facility subject to the terms and conditions herein. The Application Form, the Approval Letter and, if applicable, any further letter(s) or instrument(s) varying or amending the Approval Letter are collectively referred to as the "Facility Instruments". 3.5 In the event that the Bank rejects the Application, the Bank shall not be liable or obligated to give any reasons for such rejection to the Applicant. 3.6 The Applicant undertakes and/or represents that in the Application and until all Indebtedness is repaid in full: (a) that all information and documents submitted by him to the Bank in the Application are true and correct; (b) he shall not dispute the contents in the Application and that if such Application is sent by facsimile transmission to the Bank; the Bank reserve the right to treat such Application as the original signed Application; (c) he shall submit all other relevant information or documentation as may be requested by the Bank from time to time. (d) he shall ensure that the bank account number(s) or other account numbers stated in the Application are correct; (e) he is the sole beneficial owner of all bank account number(s) or other account numbers stated in the Application and such other bank account number(s) which he may inform the Bank from time to time; (f) his instruction to the Bank to disburse the Facility into the bank account stated in the Application is valid and binding on the Applicant provided always that in the event that the Applicant does not have an existing account with the Bank or any other financial institution, he shall prior to the submission of this Application, open a current/ savings account with the Bank or any other financial institution in his sole name for such purpose; and (g) that the granting of the Facility by the Bank does not contravene Section 62 of the Banking and Financial Institutions Act 1989 and/or any amendment thereto or re-enactment thereof. 3.7 Upon approval of the Facility, the Bank shall designate a sixteen (16)-digit account number for the Facility and such number shall be stated in the Approval Letter. The Applicant is not permitted to cancel the Facility after issuance of the Approval Letter. Should the Applicant insist on cancelling the Facility, the cancellation shall be treated as pre-payment in full the Indebtedness, inclusive and not limited to all fees, costs, mandatory insurance premiums and stamp duty. And of which Early Exit Fee will be levied in accordance with clauses and above. 3.8 Subject to Clause 3.7, within four (4) working days of the date for disbursement stated in the Approval Letter and subject to there being no Event of Default, the Bank will disburse the Facility by crediting the same into the current/ savings account designated by the Applicant for such purpose and only applicable to personal current/ saving account only. No company account/ joint holder account/ dormant account is allowed. 4. Events of Default 4.1 The Bank reserve the right to terminate the Facility with 7 days prior notice to the Applicant upon the happening of any of the following Events of Default: (a) the Applicant defaults in making payment of the principal sum and/or interest and/or any other sums payable hereunder (whether formally demanded or not); or (b) the Applicant defaults in any other term or condition herein; or (c) the Applicant is unable to pay his debts or suspends payment thereof or enters into composition or arrangement with his creditors or commits an act of bankruptcy or has a bankruptcy petition filed against him; or (d) the Applicant dies or

7 becomes of unsound mind; or (e) any of the Applicant's other indebtedness to the Bank or any other financial institutions becomes capable of being declared due prematurely by reason of the Applicant's failure to make any payment on the due date or if due on demand, when demanded including the Applicant's failure to pay within the required period any credit cards debts incurred; or (f) any payment through the Applicant's current account, whether with the Bank or another financial institution is made and that account is closed by the Bank or the relevant financial institution, as the case may be, following requirements by the Biro Maklumat Cek; or (g) distress or other execution proceedings is conducted against the property of the Applicant whereupon the entire Indebtedness shall become due and payable immediately by the Applicant to the Bank. 4.2 The Applicant shall indemnify the Bank and keep the Bank fully indemnified in respect of any loss, damage, cost and expenses, fees, charges (including without limitation the Bank's solicitors' cost (on a solicitor and client basis)) which the Bank may suffer or incur, in enforcing or attempting to enforce its rights hereunder. 4.3 In amplification and not in derogation of RHB Bank s right contained in this Agreement, RHB Bank shall have the right at its sole discretion to appoint an agent of its choice to collect all and any sums due and owing to RHB Bank by the Applicant under this Agreement by giving notice at least seven (7) calendar days in advance. 5. Miscellaneous In the event that Applicant has opted in, in relation to the disclosure of information for the purpose of cross selling, marketing and promotions and further consent to and authorise the transfer of the information for any purpose, including but not limited to credit evaluation, to use, analyse, and assess the information for the purpose of improving and furthering the provision of other products and services by the Bank in the application form, and the Applicant subsequently wants to opt-out or vice-versa, Applicant may Contact RHB Customer Care Centre to change the option The Bank reserve the right at any time by giving prior notice to Applicant for a period of not less than seven (7) calendar days after the happening of an Event of Default to combine or consolidate all or any of the Applicant's accounts and/or all or any of the Applicant's joint accounts with other persons with any branches of the Bank and set-off or transfer any sum standing in the credit in any one or more of such accounts in or towards satisfaction of the Indebtedness or any part thereof The Bank reserve the right to vary any term or condition hereof by giving 21 days notice, in pursuant to Clause 2.2, item (i) and (ii), to the Applicant and such variation shall take effect 21 days from the date specified in the Bank's notice The Bank reserve the right to place any money received from the Applicant into a suspense account for as long as the Bank deems fit without any obligation in the meantime to apply the same or any part thereof in or towards payment of the Indebtedness or any part thereof. Notwithstanding such payment in the event of bankruptcy of the Applicant, the Bank may prove for and agree to accept any dividend or composition in respect of the whole or any part of the Indebtedness The Applicant waives the effect of Section 60 of the Contracts Act 1950 and disables himself when making payments to the Bank from appropriating such payments towards the Indebtedness or any other facilities granted by the Bank. 5.3 Time wherever mentioned shall be of the essence The Applicant shall not be at liberty to assign any rights and/or obligations herein The Bank is at liberty to assign its rights and/or obligations herein with notification to the Applicant. The rights and obligations of the Bank hereunder shall continue to be valid and binding for all purposes whatsoever notwithstanding any change by amalgamation, reconstruction or otherwise which may be made to the constitution of the Bank or of any company by which the business of the Bank may for the time being be carried on and such rights and obligations shall be available to the company carrying on that business for the time being. 5.5 Notwithstanding anything to the contrary herein contained, the Bank reserve the right at any time to discontinue its "Personal Financing" product without giving any reasons to the Applicant, and in such an event, the Bank reserve the right to terminate or cancel the Facility at any time by giving 30 days notice to the Applicant whereupon this Facility shall terminate without prejudice to the rights and remedies of the Bank in so far as the Indebtedness is concerned and save as otherwise agreed between the Bank and the Applicant, the Indebtedness shall become due and payable to the Bank. 5.6 All fees, costs, mandatory insurance premiums, stamp duty and expenses in respect of the Application, the Facility Instruments and the enforcement of the rights and remedies of the Bank (including solicitors' cost on a solicitor and client basis) shall be borne by the Applicant. 5.7 Personal Smart Shield (PSS) is a mandatory insurance coverage required as a condition for an approved RHB Personal Loan. PSS is a Single premium Credit Related Insurance and payable in lump-sump to cover for the whole period of financing and it will be deducted from the approved RHB Personal Financing amount prior to loan disbursement. A quotation will be provided by our sales staff for insurance offered by the Bank s panel of insurer. Provided that the insurance operators meet the Bank s minimum criteria, applicant may appoint his/her preferred insurance operators for the insurance coverage. However to avoid any delay in loan approval and disbursement of the loan, the appointment of the Bank s panel insurance operators is highly encouraged. 5.8 The terms and conditions herein shall bind the personal representatives of the Applicant and the successors-in-title and assigns of the Bank. 5.9 If at any time any term or condition herein is or may become under any written law or is found by any court or administrative body or competent jurisdiction to be illegal, void, invalid, prohibited or unenforceable then, such provision shall be ineffective to the extent of such illegality, voidness, invalidity, prohibition or unenforceability but the remaining terms and conditions herein shall remain in full force and effect The Bank's failure or delay to exercise or enforce any right hereunder shall not be deemed to be a waiver of any such right nor operate to bar the exercise or performance of any such right at any time or times The Facility shall be governed by and construed in accordance with the laws of Malaysia The Applicant shall provide a security as may be required by the Bank to secure the Indebtedness on such terms and conditions as may be imposed by the Bank The Bank shall not be liable for any failure to carry out its obligations hereunder due directly or indirectly to any acts of God, strikes, riots, civil commotion, acts of terrorists, labour unrest, lock-out, fire, accident, breakdown of machinery or computer system or any other matter beyond the control of the Bank Save as otherwise provided herein, any notice, demand, statement or other communication to be given by the Applicant to the Bank or by the Bank to the Applicant shall be in writing and may be given or sent by: (a) by hand; (b) by ordinary post, certificate of posting, registered post or other fast postal service; or (c) by facsimile transmission (d) by SMS or electronic mail to the Applicant or by posting the notice of the same on RHB Bank s website at the address or facsimile transmission number, in the case of the Applicant at the address or facsimile transmission number set out in the Application or the last known address or facsimile transmission number of the Applicant and, in the case of the Bank at the address and facsimile transmission number stated in the Application or such other address or facsimile transmission number as notified to the Applicant pursuant to Clause All such notices, demands, statements or other communication shall, in the case of the Bank, shall be deemed to have been received by the Bank at the time of actual receipt by the Bank and in the case of the Applicant, shall be deemed to have been received by the Applicant as follows, whether or not it is in fact so received: (a) by hand, at the date of despatch; (b) by ordinary post, certificate of posting, registered post or other fast postal service, three (3) days after posting; (c) by facsimile transmission, at the time of transmission (d) by SMS or electronic mail to the Applicant or by posting the notice of the same on RHB Bank s website Without prejudice to any other forms of service allowed in law, the service of any writ, summons, statement of claim or any legal process in respect of or arising out of the Facility may be effected on the Applicant by forwarding a copy of the writ, summons, statement of claim or other legal process by prepaid registered post (or such other mode as stipulated by law) to your address stated in Application or to the last known address of the customer notwithstanding that it may be returned undelivered by the post office. Where served by post, such writ, summons, statement of claim or such other legal process shall be deemed to have been served on you three (3) days after the date of posting In proving the giving of such notices, demands, statements or other communication it shall be sufficient to show: (a) in the case of delivery by hand, acknowledgement of receipt by the addressee; or (b) in the case of delivery by ordinary post, registered post or other fast postal service, that the notices, demands, statements or other communication has been duly addressed and posted; or (c) in the case of delivery by certificate of posting, the acknowledgement issued by or of the post office that the notices, demands, statements or other communication has been duly posted; or (d) in the case of delivery by facsimile transmission, the notices, demands, statements or other communication was duly transmitted from the despatching terminal as evidenced by a transmission report generated by the despatching terminal The terms and conditions herein may be varied by the Bank with 21 days prior notification to the Applicant The Bank shall be entitled at any time and from time to time to vary the rate of interest, bank charges and/or other charges, manner and time of payment and modes of computation in any manner whatsoever and shall give 21 days prior notice to the Applicant of such its intention Bank shall be entitled to give such notice by or in any one or more of the following methods of notification:- (a) by posting a notice in the Bank's premises or on the Bank's web site or internet site stating such change and its effective date of change and such notice shall be deemed to have been received by or communicated to the Applicant on the date of posting of the notice in the Bank's premises or on the Bank's web site or internet site, as the case may be; (b) by way of an insertion in or an enclosure with or an attachment to the Bank's statement of account to the Applicant stating such change and its effective date of change and such statement of account or notice (in the event that the notice is not inserted in the statement of account but is enclosed therewith or attached thereto) may be in the form of a computer generated statement or notice which requires no signature or may contain a printed or facsimile signature of an officer of the Bank and such notice shall be deemed to have been received by or communicated to the Applicant at the time such statement of account is deemed to have been given by the Bank to the Applicant; (c) By sending notice of the same by SMS or electronic mail to the Applicant or by posting the notice of the same on RHB Bank s website With reference to Clause 2.8 whereby pre-payment in full is made prior to the Lock-in-Period and an Early Exit Penalty is applicable, the interest rate/ rebates will be recomputed based on flat interest rate and charged upfront based on the Facility amount approved. (Interest calculation method based on Rule 78 ) The applicant is to advise RHB Bank promptly in writing of any changes of the Applicant s residential address, telephone numbers or changes of employment of the Applicant If there is any update to the account information/ FATCA status, Customer hereby agrees to notify and furnish RHB with the relevant documentary evidence within 30 days of such change. I/We consent to and authorize RHB to perform any of the following, if applicable: a) Withhold any applicable payments in the account b) Report or disclose all relevant information relating to or arising from the account c) Terminate (with prior notice) my/our contractual relationship(s) with RHB For the avoidance of doubt, the Customer shall bear all professional fees, taxes (including but not limited to service tax or GST), and out-of-pocket expenses incurred and any other fees, expenses or recourse in respect of this product.