PRODUCT DISCLOSURE SHEET

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1 PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take up the Balance Conversion. Please be sure to also read the terms and conditions governing Balance Conversion.) OCBC BANK (MALAYSIA) BERHAD ( OCBC Bank ) Credit Card (Balance Conversion) 2/12/ What is this product about? Balance Conversion is only available to eligible customers of OCBC Bank who hold one or more currently valid credit card(s) issued by OCBC Bank ( OCBC Card(s) ). Balance Conversion allows you to convert the aggregate amount of the Retail Transaction(s) charged to your OCBC Card(s) into fixed monthly instalments. Retail Transaction(s) means the retail transaction(s) which appear in the current OCBC Card monthly statement which is/are individually itemized with the Transaction Date, Posting Date, Transaction Description and Amount. Balance Conversion must be applied for before the Payment Due Date stated in the OCBC Card monthly statement for the relevant Retail Transaction(s). 2. What do I get from this product? Affordable repayment instalments that stretch your Retail Transaction(s) into 12, 24 or 36 months, as per your application. The Balance Conversion interest rate is flat at 7.99% per annum and the Effective Interest Rates are : Effective Interest Rates per annum Tenure (months) With Balance Conversion Without Balance Conversion # % 15% - 18% % 15% - 18% % 15% - 18% # Without Balance Conversion, the aggregate amount of Retail Transaction(s) must be fully paid for in one lump sum by the applicable Payment Due Date, you may not repay the amount by way of monthly instalments without incurring Finance Charge between 15% per annum 18% per annum as shown in the table above. With Balance Conversion, you may repay the Retail Transaction(s) by 12, 24 or 36 monthly instalments at the lower interest provided always that you promptly and fully pay the Statement Balance Due amount every month by the corresponding Payment Due Date shown in the OCBC Card monthly statement. Please note also, the other circumstances by which you will incur Finance Charge, in paragraph 4 below. 3. What is the minimum amount for conversion? You may convert one or more Retail Transaction(s) provided that the aggregate amount of the Retail Transaction(s) shall not be less than RM1, What are my obligations? Obligations in relation to Balance Conversation a) You must pay in full the Statement Balance Due amount every month as stated in the applicable OCBC Card monthly statement, by the Payment Due Date stated therein. If you fail to do so, you will be charged Finance Charge on the outstanding Statement Balance Due amount, in addition to the interest for the Balance Conversation. Where applicable, you will also be charged Late Payment Charge (see below). b) Further, you will be charged Finance Charge on the Balance Conversion Monthly Instalment if: (i) there is any outstanding balance in your OCBC Card account which remains unpaid at the time the Balance Conversion is approved; or (ii) you do not pay in full the Statement Balance Due amount shown in your OCBC Card monthly statements by the corresponding Payment Due Date. Where applicable, you will also be charged Late Payment Charge (see below).

2 c) If you do not pay the Statement Balance Due amount in full, you must at least pay the Minimum Payment amount by the Payment Due Date shown on the relevant OCBC Card monthly statement, failing which you will be charged Late Payment Charge. Currently, Late Payment Charge is computed at 1% on the outstanding retail transactions and cash advance due or RM10 (whichever is higher), subject to a maximum of RM100. Late Payment Charge is imposed in addition to Finance Charge and Balance Conversion interest. d) If you fail to pay even the Minimum Payment for any 3 or more consecutive months, then the entire indebtedness due and owing by you to OCBC Bank under all your OCBC Card(s), including all monies charged to and all liabilities incurred under your OCBC Card(s), whether billed or unbilled, will immediately become due and payable by you. OCBC Bank may take such actions against you, including but not limited to suspending or terminating your OCBC Card(s) and/or taking legal proceedings against you for recovery of the indebtedness due and owing by you to OCBC Bank. Obligations in relation to your OCBC Card(s) a) Please refer to the Product Disclosure Sheet pertaining to your OCBC Card(s) for further information on your obligations on your OCBC Card(s), including but not limited to the safe and secure use of your OCBC Card(s) and the Personal Identification Number (PIN), passwords and security token issued for use with your OCBC Card(s) and not to use your Card(s) for any fraudulent or unlawful activity. You will be liable to pay for all monies charged to and all liabilities incurred under your OCBC Card(s) if you fail to fulfill your obligations for the safe and secure use of your OCBC Card(s). b) You must check your OCBC Card(s) monthly statements and notify OCBC Bank within 14 days from the statement date should there be any error or discrepancy. c) If you dispute any transaction, you have to provide particulars including your name, the affected account, date and amount of the disputed transaction and the reason why you believe it to be disputed transaction. All disputes will be investigated and if found to be false, will be rejected. If payment had been made on the dispute, the payment must be refunded and all expenses incurred in the investigation and in recovering the payment will be borne by you and police report will be lodged against all false disputes. 5. What are the fees and charges for this product? Please refer to paragraphs 2 and 4 above. You need to pay Balance Conversion interest, and there are circumstances where you need to pay Finance Charge and Late Payment Charge as explained above. 6. What if I fail to fulfill my obligations? Please refer to paragraph 4 above for the consequences for failure to fulfill your obligations. 7. What if I fully settle the balance before its maturity? There is no penalty for early settlement. 8. What are the major risks? Please refer to paragraph 4 above for risks arising from consequences for failure to fulfil your obligations. 9. What do I need to do if there are changes to my contact details? It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner and for security reasons. Please call for change of contact details. 10. Where can I get further Information? Log on to OCBC website at Please call OCBC Contact Centre at Other credit card products available Balance Transfer Flexi Balance Transfer Power Credit Cash Plus (For existing OCBC Cardmember only)

3 Call-for-Cash (For existing OCBC Cardmember only) OCBC World MasterCard OCBC 365 MasterCard OCBC Cashflo MasterCard OCBC Titanium MasterCard (Blue/Pink) OCBC Great Eastern Platinum MasterCard IMPORTANT NOTE: LEGAL ACTION MAY BE TAKEN AGAINST YOU IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR CREDIT CARD BALANCES. The information provided in this disclosure sheet is valid as of 2/12/2016. For more information or inquiries or feedback on our latest products and services, you may call our Contact Centre at or visit our website at or any OCBC Bank branch nearby. You may also contact us anytime to update your Personal Details. This information is crucial to us in our on-going efforts to serve you better. Rest assured, your personal details will be kept confidential. If you have any complaints on our products or service level, you may also write to us at the following address: Service Transformation OCBC Bank (Malaysia) Berhad, Level 2, Menara OCBC, 18 Jalan Tun Perak, Kuala Lumpur Alternatively, if you wish to seek the views of the authorities on our handling of a complaint, the Ombudsman of Financial Services can be contacted at ; enquiry@ofs.org.my or Bank Negara Malaysia at ; bnmtelelink@bnm.gov.my. Disclaimer: This Product Disclosure Sheet is for information purposes only and does not constitute any advice on any matter discussed. All information and materials including those on services, products, financial information, data, text or other items are provided strictly as is, and as available and is so provided for your information and reference only. OCBC Bank does not guarantee the usefulness or adequacy of the information provided and shall not be liable for any errors and will not be responsible for the consequences of reliance upon any opinion or statement contained herein or for any omission. The terms and conditions of this Balance Conversion are governed by the Bank s Cardmember s Agreement. These are available at OCBC Bank s branches and at This Product Disclosure Sheet is confidential and may not be reproduced (in whole or in part) to any other person without the prior written permission of OCBC Bank.

4 LEMBARAN PENDEDAHAN PRODUK (Baca Lembaran Pendedahan Produk ini sebelum anda memutuskan untuk memohon Kad Kredit Balance Conversion. Sila baca terma-terma & syarat-syarat tertakluk bagi Balance Conversion.) OCBC BANK (MALAYSIA) BERHAD ( OCBC Bank ) Kad Kredit (Balance Conversion) 2/12/ Apakah produk ini? Balance Conversion ini hanya untuk pemegang satu atau lebih kad kredit OCBC Bank yang sah, yang dikeluarkan oleh OCBC Bank ("Kad OCBC"). Balance Conversion membolehkan anda menukar jumlah gabungan Transaksi Runcit yang dicajkan kepada kad OCBC anda ke dalam ansuran bulanan yang tetap. "Transaksi Runcit" bermakna urus niaga runcit yang muncul di penyata semasa bulanan kad OCBC secara individu and diperinci dengan "Tarikh Urusniaga", "Tarikh dicaj", "Keterangan Urusniaga" dan "Jumlah". Balance Conversion hendaklah dipohon sebelum "Tarikh Matang Pembayaran" yang dinyatakan dalam penyata bulanan kad OCBC untuk Transaksi Runcit yang berkaitan. 2. Apa yang saya dapat daripada produk ini? Ansuran pembayaran balik berpatutan yang membolehkan anda menukar Transaksi Runcit anda kepada 12, 24 atau 36 bulan, seperti dalam permohonan anda. Kadar faedah Balance Conversion adalah 7.99% setahun dan Kadar Faedah Efektif ialah: Kadar Faedah Efektif setahun Tempoh (bulan) Dengan Balance Conversion Tanpa Balance Conversion # % 15% - 18% % 15% - 18% % 15% - 18% # Tanpa Balance Conversion, jumlah gabungan Transaksi Runcit mesti dibayar secara sepenuhnya dalam satu kali sebelum "Tarikh Matang Pembayaran" yang disedia ada, anda tidak boleh membayar balik amaun secara ansuran bulanan tanpa menanggung Caj Kewangan antara 15% setahun -18% setahun, seperti ditunjukkan dalam jadual di atas. Dengan Balance Conversion, anda boleh membayar balik Transaksi Runcit dengan 12, 24 atau 36 ansuran bulanan pada kadar faedah yang lebih rendah dengan syarat bahawa anda membayar jumlah "Baki Penyata yang Matang " dengan segera dan sepenuhnya setiap bulan pada "Tarikh Matang Pembayaran" yang seperti ditunjukkan dalam penyata bulanan kad OCBC. Sila ambil perhatian juga, hal keadaan lain yang mana anda akan dikenakan Caj Kewangan, dalam perenggan 4 di bawah. 3. Berapakah jumlah minimum untuk penukaran? Anda boleh menukar satu atau lebih Transaksi Runcit dengan syarat jumlah gabungan Transaksi Runcit tidak boleh kurang daripada RM1, Apakah tanggungjawab saya? Tanggungjawab bekenaan dengan Balance Conversion (a) Anda mesti membayar sepenuhnya jumlah Baki Penyata yang Matang setiap bulan seperti yang dinyatakan dalam penyata bulanan kad OCBC yang berkenaan, pada "Tarikh Matang Pembayaran" yang dinyatakan di dalamnya. Jika anda gagal berbuat demikian, anda akan dikenakan Caj Kewangan pada jumlah tertunggak Baki Penyata yang Matang, sebagai tambahan kepada faedah bagi Balance Conversion. Di mana perlu, anda juga akan dikenakan Caj Bayaran Lewat (lihat di bawah). (b) Seterusnya, anda akan dikenakan Caj Kewangan pada Ansuran Bulanan Balance Conversion jika:

5 (i) terdapat apa-apa baki tertunggak dalam akaun kad OCBC anda yang masih tidak dibayar pada masa Balance Conversion diluluskan; atau (ii) anda tidak membayar sepenuhnya jumlah Baki Penyata yang Matang seperti yang ditunjukkan dalam penyata bulanan kad OCBC anda dengan "Tarikh Matang Pembayaran". Di mana perlu, anda juga akan dikenakan Caj Bayaran Lewat (lihat di bawah). (c) Jika anda tidak membayar jumlah Baki Penyata yang Matang sepenuhnya, sekurangkurangnya anda perlu membayar jumlah "Bayaran Minimum" sebelum "Tarikh Matang Pembayaran" yang ditunjukkan pada penyata bulanan kad OCBC yang berkenaan, jika tidak anda akan dikenakan Caj Bayaran lewat. Pada masa ini, Caj Bayaran Lewat dikira pada kadar 1% ke atas baki transaksi runcit dan pendahuluan tunai yang kena dibayar atau RM10 (yang mana lebih tinggi), tertakluk kepada maksimum RM100. Caj Bayaran Lewat akan dikenakan sebagai tambahan kepada faedah Caj Kewangan dan Balance Conversion. (d) Jika anda gagal untuk membayar walaupun "Bayaran Minima" untuk mana-mana 3 bulan atau lebih berturut-turut, maka segala hutang yang kena dibayar dan terhutang oleh anda kepada OCBC Bank di bawah semua Kad OCBC anda, yang termasuk semua wang yang dikenakan kepada dan liabiliti yang ditanggung di bawah Kad OCBC anda, sama ada dibilkan atau belum, serta-merta akan menjadi terhutang dan perlu dibayar oleh anda. OCBC Bank boleh mengambil apa-apa tindakan terhadap anda, termasuk tetapi tidak terhad kepada penggantungan atau menamatkan Kad OCBC anda dan / atau mengambil tindakan undangundang terhadap anda bagi mendapatkan hutang yang kena dibayar dan terhutang oleh anda kepada OCBC Bank. Tanggungjawab bekenaan dengan kad OCBC (a) Sila rujuk kepada Lembaran Pendedahan Produk ini berkaitan dengan kad OCBC anda untuk maklumat lanjut mengenai kewajipan anda di atas Kad OCBC anda, termasuk tetapi tidak terhad kepada penggunaan yang selamat dan terjamin Kad OCBC dan Number Pengenalan Peribadi (PIN), kata laluan dan token keselamatan yang dikeluarkan untuk digunakan dengan Kad OCBC anda dan tidak menggunakan Kad anda bagi apa-apa aktiviti penipuan atau menyalahi undang-undang. Anda akan bertanggungjawab untuk membayar semua wang yang mengenakan bayaran kepada dan segala liabiliti yang ditanggung di bawah Kad OCBC anda (s) jika anda gagal untuk memenuhi kewajipan anda untuk penggunaan selamat dan terjamin Kad OCBC anda. (b) Anda mesti menyemak penyata bulanan Kad OCBC anda dan memaklumkan OCBC Bank dalam tempoh 14 hari dari tarikh penyata sekiranya terdapat apa-apa kesilapan atau percanggahan (c) Jika anda mempertikaikan sebarang urusniaga, anda perlu memberikan butir-butir termasuk nama anda, akaun yang terlibat, tarikh dan jumlah transaksi yang dipertikaikan dan sebab mengapa anda mempercayai ia menjadi transaksi yang dipertikaikan. Semua pertikaian akan disiasat dan jika didapati palsu, akan ditolak. Jika pembayaran telah dibuat mengenai pertikaian itu, pembayaran hendaklah dibayar balik dan semua perbelanjaan yang dilakukan dalam penyiasatan dan dalam memulihkan bayaran akan ditanggung oleh anda dan laporan polis akan dibuat terhadap semua pertikaian yang palsu. 5. Apakah yuran dan caj bagi produk ini? Sila rujuk perenggan 2 dan 4 di atas. Anda perlu membayar faedah Balance Conversion, dan terdapat keadaan di mana anda perlu membayar Caj Kewangan dan Caj Bayaran Lewat seperti yang dijelaskan di atas. 6. Bagaimana jika saya gagal melaksanakan tanggungjawab saya? Sila rujuk perenggan 4 di atas untuk akibat kegagalan untuk memenuhi tanggungjawab anda. 7. Bagaimana jika saya menyelesaikan baki sebelum tarikh matang? Tidak ada penalti untuk penyelesaian awal. 8. Apakah risiko utama? Sila rujuk perenggan 4 di atas untuk risiko yang timbul daripada akibat kegagalan untuk memenuhi kewajipan kami. 9. Apakah yang saya harus buat sekiranya terdapat perubahan dalam butir-butir hubungan saya? Adalah penting bahawa anda memberitahu kami sebarang perubahan terhadap butir-butir hubungan untuk membolehkan semua surat-surat sampai pada waktunya kepada anda dan

6 juga untuk tujuan keselamatan. Sila hubungi untuk sebarang perubahan dalam butir-butir hubungan permohonan. 10. Di mana saya boleh memperolehi maklumat dengan lebih lanjut? Layari laman web OCBC di Sekiranya anda memerlukan maklumat lebih lanjut, sila hubungi kami di Terdapat produk kad kredit lain? Pemindahan Baki Pemindahan Baki Fleksi Power Credit Cash Plus (Untuk Ahli Kad OCBC yang sedia ada sahaja) Call-for-Cash (Untuk Ahli Kad OCBC yang sedia ada sahaja) OCBC World MasterCard OCBC 365 MasterCard OCBC Cashflo MasterCard OCBC Titanium MasterCard (Blue/Pink) OCBC Great Eastern Platinum MasterCard NOTA PENTING: TINDAKAN UNDANG-UNDANG AKAN DIGUNAKAN TERHADAP ANDA SEKIRANYA ANDA TIDAK MEMBAYAR PEMBAYARAN BALIK KE ATAS BAKI KAD KREDIT ANDA Informasi yang disediakan dalam lembaran pendedahan ini adalah sah sejak 2/12/2016. Untuk maklumat lanjut atau pertanyaan atau maklum balas terhadap produk dan servis terbaru, sila hubungi Pusat Panggilan kami di atau layari laman web kami di atau cawangan OCBC Bank berdekatan. Anda juga boleh hubungi kami untuk memperbaharui Maklumat Peribadi anda sebarang masa. Informasi ini adalah penting untuk kami, dalam usaha untuk menawarkan perkhidmatan yang lebih baik kepada anda. Sila yakin bahawa Maklumat Peribadi anda adalah sulit. Sekiranya, anda ada sebarang aduan terhadap produk atau servis, anda hubungi kami secara suratmenyurat kepada kami di alamat berikut:- Service Transformation OCBC Bank (Malaysia) Berhad, Level 2, Menara OCBC, 18 Jalan Tun Perak, Kuala Lumpur. Alternatifnya, sekiranya anda perlu nasihat pihak berkuasa terhadap cara kami menangani aduan, sila hubungi Ombudsman Perkhidmatan Kewangandi ; emel: atau Bank Negara Malaysia di ; emel: Penafian: Lembaran Pendedahan Produk ini adalah untuk tujuan maklumat semata-mata dan tidak mengandungi sebarang nasihat bagi mana-mana perkara yang dibincangkan. Semua maklumat dan bahan termasuk tentang perkhidmatan, produk, maklumat kewangan, data, teks atau perkara-perkara lain yang diberikan adalah seperti seadanya dan boleh didapati dan diberikan untuk maklumat dan rujukan anda sahaja. OCBC Bank tidak menjamin kebergunaan atau kecukupan maklumat yang diberikan dan tidak menanggung liabiliti ke atas mana-mana ralat dan tidak akan bertanggungjawab ke atas sebarang akibat yang timbul daripada mempercayai sebarang pendapat atau kenyataan yang terkandung di sini atau ke atas mana-mana pengeluarannya. Terma-terma dan syarat-syarat Balance Conversion ini adalah ditadbir oleh Balance Conversion termaterma dan syarat-syarat dan Perjanjian Ahli Kad Bank. Semua ini didapati di cawangan OCBC Bank dan di Lembaran Pendedahan Produk ini adalah sulit dan tidak boleh dikeluarkan semula (secara penuh atau sebahagian) kepada sesiapa sahaja tanpa mendapat kebenaran bertulis daripada OCBC Bank terlebih dahulu.

7 Terms and Conditions (Balance Conversion Programme) 1. Balance Conversion ( BC ) is offered by OCBC Bank (Malaysia) Berhad ( OCBC Bank ) to eligible customers who hold one or more currently valid credit card(s) issued by OCBC Bank ( OCBC Cards ) as the principal Cardmember, and whose credit card accounts are well conducted within OCBC Bank s sole and absolute discretion at the time of the application for BC (customers who fulfil OCBC Bank s eligibility criteria for BC are called Cardmembers ), subject to the terms and conditions herein. 2. A Cardmember may apply for BC to convert the aggregate amount of the Retail Transaction(s) (defined below) charged to his OCBC Card into fixed monthly instalments subject to these terms and conditions. OCBC Bank may at its sole and absolute discretion and without having to furnish any reason therefor : (a) approve the Cardmember s application at the amount applied for (the amount actually approved by OCBC Bank will be referred to as Approved Amount, which is the principal amount of the BC); or (b) reject the Cardmember s application. 3. BC is only available to convert the retail transactions appearing in the current OCBC Card monthly statement which are individually itemized with the Transaction Date, Posting Date, Transaction Description and Amount ( Retail Transaction(s) ) and the Cardmember must apply for BC before the Payment Due Date stated in the OCBC Card monthly statement for the relevant Retail Transaction(s). A Cardmember may apply for BC to convert one or more Retail Transaction(s) provided that the aggregate amount of the Retail Transaction(s) shall not be less than RM1,000. The BC is not available to convert : (a) part of a single Retail Transaction e.g. a Cardmember purchases some items and charges RM2,000 to his OCBC Card (i.e. in a single Retail Transaction), he may not apply for BC to convert only part of the RM2,000 Retail Transaction e.g. RM1,500, he must convert the RM2,000 Retail Transaction in entirety; (b) any Retail Transaction performed in excess of the Cardmember s available credit limit, which may occur as a result of a temporary increase in the Cardmember s credit limit e.g. a Cardmember with credit limit of RM10,000 has charged RM2,000 to his Card and has available credit limit of RM8,000, he obtains temporary increase to his credit limit and charges RM9,500 to his Card, BC is not available for him to convert the RM9,500 transaction (which is performed in excess of his available credit limit); (c) Cash Advances; (d) Call-for-Cash, quasi-cash, Balance Transfers, Easy Payment Plan, any other instalment payment schemes; (e) annual fee or other fees and charges imposed by OCBC Bank under the Cardmember s Agreement; and (f) Balance of Last Month in the OCBC Card monthly statement (this shows the outstanding balance carried forward from previous month(s)). 4. If OCBC Bank approves a Cardmember s application : (a) a corresponding amount of the Cardmember s line of credit will be reserved for the BC and the Cardmember s credit limit reduced to the extent of the Approved Amount. OCBC Bank shall not be liable for any transactions rejected by merchants due to insufficient credit limit arising therefrom; (b) the Retail Transaction(s) converted under BC (i.e. the Approved Amount) shall be repayable by the Cardmember by way of the BC Monthly Instalments (defined and computed in accordance with the formula provided below) billed through the OCBC Card monthly statements

8 throughout the BC Tenure (defined below), by the Payment Due Date stated in the respective OCBC Card monthly statements. 5. The Cardmember agrees to pay interest for the BC at seven point nine nine per centum (7.99%) per annum ( BC Interest Rate ) on the Approved Amount for the duration of BC Tenure ( BC Interest ). The BC Interest will be computed based on Rule of 78 repayment method. The effective interest rate is fourteen point six six per centum (14.66%) per annum. 6. At the time of applying for BC, the Cardmember shall select 1 of the 3 tenures under the BC facility: (a) 1 year/12 months; or (b) 2 years/24 months; or (c) 3 years/36 months, (each a tenure and the tenure actually selected by the Cardmember shall be called BC Tenure ) for repayment of the Approved Amount and BC Interest. 7. Throughout the BC Tenure, the Approved Amount together with the BC Interest will be billed by way of equal monthly instalments (each a BC Monthly Instalment ) computed based on the following formula: Formula for computation of BC Monthly Instalment [Approved Amount x BC Interest Rate x BC Tenure*] + Approved Amount Number of monthly instalments** Notes: * The BC Tenure here is taken at the number of years instead of months. ** The number of monthly instalments here is referenced to the BC Tenure i.e. 1 year tenure at 12 monthly instalments, 2 years tenure at 24 monthly instalments and 3 years tenure at 36 monthly instalments. Upon approval of the BC application, the Cardmember may not change any of the features including the Approved Amount, BC Interest Rate, BC Tenure and BC Monthly Instalment. 8. Table 1 contains an illustration on how BC works. TABLE 1 Assumptions : (1) Approved Amount is RM10,000 (2) BC Tenure is 1 year/12 months (3) BC Interest Rate is 7.99% per annum (effective interest rate of 14.66% per annum). Based on above assumptions, the BC Monthly Instalment is RM derived as follows using formula in clause 7 above : (RM10,000 x 7.99% p.a. x 1 year) + RM10, monthly instalments As the Cardmember pays the BC Monthly Instalments over the 12-month BC Tenure and on the basis that he is prompt in all his payments (see clause 9 below), below shows how much of each BC Monthly Instalment (column 1) goes towards payment of BC Interest (column 2) and repayment of the Approved Amount (column 3) respectively. In column (4) the Principal Reduction denotes the outstanding Approved Amount after the Cardmember has paid the BC Monthly Instalment for that month and which will be brought forward to next month. The figures in columns (2) and (3) are derived at using Rule of 78 computation method. Month (1) BC Monthly Instalment (2) Payment of BC Interest (3) Repayment of Approved Amount (4) Principal Reduction

9 RM RM RM RM 10, st nd rd th th th th th th th th th TOTAL 10, , Upon full and final settlement of the Approved Amount and BC Interest (assuming the Cardmember is prompt in all his payments, see clause 9 below), the Cardmember would have paid a total of RM10, of which RM is the total BC Interest paid over BC Tenure of 12 months for an Approved Amount of RM10, The illustration in Table 1 above presupposes that the Cardmember is prompt in all his payments and does not incur any finance and late payment charges. The Cardmember will incur finance charge and if applicable, late payment charge, on the BC Monthly Instalments if : (a) there is any outstanding balance in the Cardmember s OCBC Card account which remains unpaid at the time the BC application is approved; or (b) the Cardmember does not pay in full the Statement Balance Due amount by the corresponding Payment Due Date shown in any OCBC Card monthly statements. The finance and late payment charges are imposed pursuant to the OCBC Cardmember s Agreement, which apply in addition to these terms and conditions. The Cardmember may refer to the OCBC Card monthly statement for the rates applicable for the finance and late payment charges. 10. If the Cardmember wants to early settle the outstanding BC Monthly Instalment, the Cardmember shall give prior written notice to OCBC Bank. The Cardmember shall continue to pay the BC Monthly Instalments until the Cardmember is notified of the amount payable to fully settle the BC. 11. Upon occurrence of any of the following events: (a) the Cardmember defaults in paying the Minimum Payment stated in the OCBC Card monthly statement for any three (3) or more consecutive months; or (b) any of the Cardmember s account(s) with OCBC Bank is cancelled, terminated or closed for whatever reason, (c) the Cardmember has committed or is suspected of committing any fraudulent or wrongful acts, the entire indebtedness under the OCBC Card(s) including but not limited to all outstanding Approved Amount and BC Interest and any finance and late payment charges imposed, whether billed or unbilled, as well as all other monies charged and all liabilities incurred by the Cardmember through the use of his OCBC Card(s) (collectively referred to as Indebtedness ) shall immediately become due and payable by the Cardmember and the OCBC Cardmember s Agreement shall apply to the Indebtedness. 12. The BC Interest and Approved Amount shall not be eligible for OCBC Rebate Programme. 13. OCBC Bank reserves the right at any time and with 21 days notice to the Cardmember, to add, alter, modify, change or vary all or any of these terms and conditions (including but not limited to the BC

10 Interest Rate, the length of tenure(s) available for selection as BC Tenure, the formula for computation of the BC Monthly Instalment) or to replace wholly or in part the BC programme with another scheme by whatever name called, whether similar or not, or to withdraw or terminate the BC programme altogether. OCBC Bank may notify the Cardmembers of any such addition, alteration, modification, change or variation to these terms and conditions, or any replacement or withdrawal or termination of the BC programme, by publishing a notice in the OCBC Card monthly statements or at OCBC Bank s website at or in any newspaper or by such other means of communication as OCBC Bank may determine in its absolute discretion. 14. All matters of disputes are subject to the final decision of OCBC Bank, whose decision shall be final, conclusive and binding on all parties concerned. 15. The Cardmember agrees and declares that all information provided in the Cardmember s application for BC is true and complete and the Cardmember will immediately notify OCBC Bank of any changes to such information. 16. The OCBC Cardmember s Agreement shall continue to apply in addition to these terms and conditions. In the event of inconsistency between these terms and conditions and the OCBC Cardmember s Agreement, these terms and conditions shall prevail only insofar as they apply to the BC. 17. These terms and conditions shall be governed by and construed in accordance with the laws of Malaysia.