SOGO-RHB PREPAID CARD KAD PRABAYAR SOGO-RHB

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1 SOGO-RHB PREPAID CARD KAD PRABAYAR SOGO-RHB TERMS AND CONDITIONS TERMA DAN SYARAT Issuing Bank / Bank Pengeluar RHB Bank Berhad Product Name / Nama Produk SOGO-RHB Prepaid Card / Kad Prabayar SOGO-RHB

2 RHB BANK BERHAD SOGO-RHB PREPAID CARD AGREEMENT TERMS AND CONDITIONS The issuance of the SOGO-RHB Prepaid Card (hereinafter referred to as the SOGO-RHB Prepaid Card ) by RHB Bank Berhad (hereinafter referred to as RHB Bank ) to the Cardmember and the use of the SOGO-RHB Prepaid Card by the Cardmember shall be subjected to the following terms and conditions made known to the Cardmember at the time of application, registration for and / or at the time of delivery of the SOGO-RHB Prepaid Card. These terms and conditions shall be binding on the Cardmember immediately upon acknowledgement of the receipt and / or use of the SOGO-RHB Prepaid Card. 1. DEFINITION AND INTERPRETATION 1.1 Unless the context otherwise requires, the following words and expressions shall have the meanings respectively set out opposite them: ATM Annual Fee Card means Automated Teller Machine or card-operated machine, whether belonging to RHB Bank or other participating banks or financial institutions or to the Visa Global ATM Network, or other affiliated networks, in respect of which the Bank has a subsisting arrangement to allow the Cardmember to use the Card at such machines. means the fee of Ringgit Malaysia Twenty Five and Sen Forty Four (RM25.44) (inclusive of 6% Goods and Services Tax GST ) only or such other amount as may be specified by RHB Bank from time to time, charged by RHB Bank and payable by the Cardmember to RHB Bank upon issuance of the card and on a yearly basis. means the SOGO-RHB Prepaid Card issued by RHB Bank which includes KL SOGO s LOGO imprinted thereon, and / or any other name, logo and / or trademark as may be determined by RHB Bank from time to time, unless otherwise stated. Card Account means the Cardmember s Card account to which all payments for purchases of goods and services and Cash Withdrawals effected by the use of the Card by the Cardmember and all annual fees and or any other fees are debited. Cardmember means a person to whom a Card is issued and registered and whose signature appears thereon as an authorised user to use the Card as provided in this Agreement. 2 Cash Withdrawal means a transaction to withdraw cash by the Cardmember at any ATM (with Visa or PLUS network) or in the Bank s Branch subject to the following withdrawal limit and available Stored Value: Minimum RM10.00 Maximum RM1, Each withdrawal is subject to the respective Bank s ATM withdrawal limit.

3 Debit Transaction means a transaction effected under the Visa name, mark and logo through the the use of the Card with PIN and/or with the Cardmember s signature except that in Card Not Present Transactions such as mail order, telephone order, recurring payment and online transactions, the PIN or Cardmember s signature is not required. Held Balance means at any time the total amount estimated by RHB Bank to be the amount of any and all the debit transactions effected on the Card, but which have not been debited from the Card Account. KL SOGO KL SOGO Departmental Store Merchant Prepaid Card Account PIN Reward Programme RHB Bank RHB Bank Card Centre means SOGO (K.L.) DEPARTMENT STORE SDN BHD (Company No D), a private limited company incorporated in Malaysia under the Companies Act 1965 having its principal business address at Kompleks SOGO, 190 Jalan Tuanku Abdul Rahman, Kuala Lumpur, Malaysia (hereinafter referred to as KL SOGO ) of the other part. means a retail complex consisting of a supermarket together with a Mall, operated and managed by KL SOGO in Malaysia designated as a KL SOGO Departmental Store for the purpose of this agreement. means any retailer or other person, firm or corporation, its employees, servants or agents which agrees to accept or cause its offices, outlets, shops, stores, business premises and locations in Malaysia or elsewhere to accept the Card when properly presented to allow a Cardmember to make debit transactions to the Card. means a financial account of the Cardmember opened and maintained with RHB Bank for the use of the Card. means the Personal Identification Number provided to the Cardmember for use in conjunction with the Card. means the programme under which the Cardmember is rewarded with Reward Points. means RHB BANK BERHAD (Company No M), a licensed bank incorporated under the laws of Malaysia and having its registered address at Level 10, Tower One, RHB Centre, Jalan Tun Razak, Kuala Lumpur and its successors in title and assigns. means RHB Bank Card Centre and its business address at Card Centre office at 18, Jalan Tun Tan Siew Sin, Kuala Lumpur. 3

4 S Card means the membership and reward programme operated by KL SOGO Department Store Sdn. Bhd. (KL SOGO) for the benefit of S Card Members. S Card means a Member of S Card. Member S Card means points earned by a Cardmember in respect Reward Points of expenditure charged to his Card. (S-Points) Starter Pack means the package containing the Card, registration / application form, this Agreement and any other document or material as may be provided by RHB Bank as RHB Bank deems fit. Statement means the statement of Card Account issued by RHB Bank reflecting all Transactions posted to the Cardmember s Card Account. Stored Value means any amount remaining in the Card Account that is available for Transactions using the Card. Stored Value Currency Top Up Transaction means currency in Ringgit Malaysia. means the adding of monetary value to the Card Account. means any and all banking transactions effected through the use of the Card and / or PIN and shall include but not limited to, withdrawal of cash, purchase, payment, fund transfer, balance inquiry, deposit of cash and cheque, settlement of bills and any other electronic banking service as the Bank shall offer or introduce from time to time (whether via ATM, Point-of-sale (POS) terminal, Internet transaction or such other terminals or channels that are available to the Cardmember). For the avoidance of doubt, the term Transaction shall include Debit Transactions. Validity Date means the expiry date of the Card as printed on the Card Unless there is something in the subject or context inconsistent with such construction or unless it is otherwise expressly provided: a) words denoting one gender include all other genders and words denoting the singular include the plural and vice versa; b) words denoting persons shall also include their respective heirs, personal representatives, and successors in title or permitted assigns; c) any reference to a sub-clause, clause or party is to the relevant sub-clause, clause or party of and to this Agreement and includes all amendments and modifications made to this Agreement from time to time in force;

5 2. ACCEPTANCE d) any reference to a statutory provision includes any modification, consolidation or re-enactments for the time being in force, and all statutory instruments or orders made pursuant thereto; e) the word Ringgit Malaysia and the abbreviation RM mean the lawful currency of Malaysia; f) any reference to a Business Day is to a day on which RHB Bank is open for business in Kuala Lumpur; g) if any period of time falls on a day which is not a Business Day, then that period is to be deemed to only expire on the next business day; h) the headings in this Agreement are inserted merely for convenience of reference and shall not affect the interpretation of the provisions herein contained. 2.1 The applicant for the Card must complete the provided application form and submit it to RHB Bank or its appointed nominee(s) or appointed agent(s) via facsimile or mail or by any other mode prescribed and accepted by the Bank; together with a photocopy of his or her identification card (front and back portion), and all other documentation and payment as specified therein. For applicants aged between 12 and below 18 years old, the indemnity clause provided in the application form is mandatory and must be signed by the parents or legal guardians. 2.2 RHB Bank shall be entitled at its discretion to accept or decline the registration of the Card. The Cardmember acknowledges and agrees that RHB Bank may refuse to accept the registration of the Card provided that RHB Bank shall not unreasonably refuse such registration. 2.3 Without prejudice to RHB Bank s right in Clause 2.2 above, the Bank reserves the right not to accept the registration of the Card if bankruptcy proceedings have been instituted against the Cardmember or the Cardmember is currently an undischarged bankrupt. 2.4 By issuance of the Card to the Cardmember, RHB Bank agrees, subject to successful registration of the Card, to make available the facilities of the Card to the Cardmember subject to the terms and conditions herein set out (as may be varied by RHB Bank from time to time by giving notice of twenty one (21) calendar days). 2.5 Upon receipt of the Card, the Cardmember shall immediately sign on the relevant signature panel on the Card. Upon registration or use of the Card, the Cardmember agrees to be fully bound by the terms and conditions herein set out (as may be varied by RHB Bank from time to time by giving notice of twenty one (21) calendar days). 2.6 A Cardmember shall only be issued with one Card at any one time, but subject to RHB Bank s discretion to issue more than one Card to a Cardmember as RHB Bank may deem fit. 2.7 Where a Cardmember has been issued more than one Card, RHB Bank has the right to cancel any card as RHB Bank may determine at RHB Bank s discretion provided that RHB Bank shall not unreasonably cancel such Card. The Cardmember shall surrender such Card to RHB Bank upon such cancellation. 5

6 6 3. USE OF THE CARD 3.1 In consideration of RHB Bank issuing the Card to the Cardmember, the Cardmember agrees to abide by the terms and conditions set out herein and such other terms and conditions, amendments and / or additions as RHB Bank may, at its discretion, prescribe from time to time by giving the Cardmember twenty one (21) calendar days notice before the effective date in the manner prescribed at Clause The Card is valid until the Validity Date. Upon the expiry of the Validity Date, the Cardmember shall cut the Card in half across the magnetic stripe and chip ensuring it is completely damaged ( Terminated Card ) and return the destroyed card to RHB Bank for a new Card. The issuance of a new Card is subject to RHB Bank s discretion as RHB Bank may determine provided that the issuance and the continued usage of the Card by the Cardmember shall not jeopardise RHB Bank s interest in any manner whatsoever. 3.3 The Card is a prepaid card for which the Card Account will be debited when purchases using the Card are made. The Card can be used to purchase goods and services in Malaysia and overseas at participating Merchants for so long as there is the equivalent amount of Stored Value in the Card Account at the point of sale. The Cardmember is responsible to ensure that there is sufficient cash balance in the Card Account prior to the use of the Card to purchase goods and / or services. Such purchases are subject to a maximum limit of the Stored Value in the Card Account. The daily purchasing limit of RM1, or any amount as may be determined by RHB Bank is assigned to the Card Account by RHB Bank. Effective 1st June 2015, any overseas or card not present Transactions will be blocked by default unless the Cardmember has opted in for the overseas or card not present Transactions. In the event that the Cardmember has opted in, and the Cardmember subsequently wants to opt out or vice versa, the Cardmember may contact RHB Customer Care Centre to change the option. 3.4 Malaysian Cardmember is allowed to purchase goods and services online via Visa for so long as there is the equivalent amount of Stored Value in the Card Account at the point of transaction (subject always to such limit as may be determined by RHB Bank for each purchase). 3.5 The Cardmember may use the Card at any ATM that displays Visa or Visa PLUS or for the withdrawal of cash from the Prepaid Card Account. 3.6 Any cash withdrawal by the Cardmember will be directly debited to the Card Account. Withdrawals are subject to a maximum limit of RM1, in accumulated total per day and a maximum limit of RM1, per withdrawal transaction. 3.7 For the purpose of effecting the ATM transactions with the Card, RHB Bank will issue a PIN and present it to the Cardmember at the Cardmember s own risk. The PIN is strictly confidential and should not be disclosed to any person under any circumstances or by whatever means. The Cardmember further acknowledges and agrees that he / she shall be fully responsible and liable for all the transactions effected by the use of the PIN with or without the knowledge or authority of the Cardmember.

7 3.8 RHB Bank may assign a Held Balance for the purpose of any Debit Transaction proposed to be effected on the Card. RHB Bank shall have the right to place such Held Balance for up to thirty (30) calendar days or for such period as it deems fit. The Held Balance for any petrol transaction is RM for three (3) working days from the date of transaction. RHB Bank shall debit the Held Balance (or any part thereof) to the Card Account when the corresponding Card Transaction is presented to the Bank for payment. RHB Bank shall release the Held Balance (or any part thereof) if the corresponding Card Transaction is not presented to RHB Bank for payment within such periods as RHB Bank deems fit from time to time. The Cardmember further expressly agrees that RHB Bank shall have the right to place a hold back on the Card Account and to debit the Card Account for any Card Transaction that is presented subsequently after such periods. For the avoidance of doubt, it is hereby stated that RHB Bank s right to debit the Card Account in respect of any Card Transaction shall not be limited to the amount that was placed on hold in connection with that Card Transaction and RHB Bank shall be entitled to debit the Card Account for the full amount of the Card Transaction at any time. RHB Bank shall have the right to increase at any time the amount that it would hold in respect of any Card Transaction which is denominated in a currency other than Ringgit Malaysia if RHB Bank is of the view that the amount initially held when converted into that foreign currency would not be sufficient to pay that Card Transaction in full. 3.9 The Cardmember hereby agrees to hold RHB Bank free from all claims and liabilities from all parties arising from any unauthorised use. The Cardmember further agrees to pay RHB Bank against all consequential losses, expenses or claims suffered by RHB Bank save for negligence, fraud or misconduct committed by RHB Bank For overseas transactions: Malaysian Cardmember may use the Card outside Malaysia with authorised Merchants and at ATMs Where the Malaysian Cardmember uses the Card in a transaction in a currency other than Ringgit Malaysia, the amount debited from the Card Account shall be converted into Ringgit Malaysia at the exchange rate prevailing at the time RHB Bank makes the corresponding payment to the other participating bank for the said transaction The use of the Card for overseas transactions shall be subject to all relevant Exchange Control Regulations issued by Bank Negara Malaysia as may be applicable to such transactions The Cardmember acknowledges that the balance reflected through the ATM, the Internet or such other terminals or channels that are available to the Cardmember shall not include deposits which have not been verified by the Bank and cheques issued by the Cardmember which have not been processed by the Bank. The balance reflected through the ATM, the Internet or such other terminals or channels that are available to the Cardmember shall not be taken as conclusive of the state of the Cardmember s account For 3D Secure transaction: If the Cardmember uses the Card to purchase goods and / or services through online Internet sites or portals, the Cardmember shall 7

8 be solely responsible for the security of such use at all times. The Cardmember agrees that the entry of his / her Card information on the Internet shall be sufficient proof of the authenticity of such instructions. RHB Bank shall not be under any obligation to verify the identity or the authority of the person entering the Cardmember s information and RHB Bank shall not be liable for acting on such use of the Cardmember s information regardless of whether the person is authorised or unauthorised and regardless of the circumstances prevailing at the time of the transaction. However, RHB Bank reserves at its discretion to not carry out any such transactions over the Internet if RHB Bank has any reason to doubt its authenticity or if in RHB Bank s opinion it is unlawful or otherwise improper to do so or for any other reason. 4. COVENANTS BY CARDMEMBER 4.1 The Cardmember covenants with RHB Bank as follows: that only the Cardmember who has been successfully registered by RHB Bank shall be entitled to transact on the Card issued in the Cardmember s name with the Merchant; to exercise all possible care at all times to ensure the safety of the Card and the confidentiality of the PIN; to notify RHB Bank immediately (such notification to be confirmed in writing forthwith) if the Card is lost or stolen and / or if the PIN is compromised or revealed to any unauthorised person, in order to mitigate the losses to the Cardmember; if the Card was reported lost or stolen and a new Card has been issued by RHB Bank and the lost or stolen Card is subsequently recovered ( Recovered Card ), the Cardmember shall immediately destroy the Recovered Card by cutting the Card into half across the magnetic stripe and chip ensuring it is completely damaged ( Terminated Card ) and return such Card to RHB Bank; to notify RHB Bank promptly in writing of any change to the particulars of the Cardmember as given to RHB Bank during the card application / registration and to further provide RHB Bank with any other details as RHB Bank may request from time to time; to comply with the terms and conditions herein set out (as may be varied by RHB Bank from time to time by giving notice of twenty one (21) calendar days) and all other conditions for the use of the Card as may from time to time be imposed by RHB Bank; not to use the Card for any unlawful activity, including but not limited to illegal online banking, betting or gambling. RHB Bank shall be entitled to terminate the Card immediately if the Card is suspected to be used for unlawful activities; the transactions to be effected using the Card(s) and monies or funds to be used for reload of the Card(s) are neither obtained from any unlawful source nor relate to any unlawful activities. 5. WITHDRAWAL / SUSPENSION OF USE OF THE CARD All Cards are the property of RHB Bank which is entitled at any point of time, at its discretion to withdraw the Card or suspend its use or otherwise refuse any Transaction in whatever circumstances as RHB Bank may deem fit provided that RHB Bank shall not unreasonably withdraw or suspend such Card.

9 `5.2 Without prejudice to the foregoing, all monies owing to RHB Bank under the Card or the Card Account shall become due and immediately payable upon the occurrence of the following events or any one of them: the Cardmember defaults in any due payment; the Cardmember is adjudged a bankrupt or is insolvent, dies or becomes insane; the Cardmember uses the Card in excess of the Card s Stored Value; the Cardmember fails to comply with any of the provisions set out in this Agreement; the Cardmember enters into or attempts to enter into a composition with creditors. 5.3 The Cardmember hereby agrees to release RHB Bank from all liability and to pay RHB Bank any claims and demands arising from the withdrawal of, suspension of or refusal to effect any Transactions on the Card including any purported claim for defamation. 5.4 Upon such withdrawal, suspension or termination of the use of the Card, the Cardmember shall forthwith return the Terminated Card to RHB Bank. 5.5 The Cardmember shall remain liable to pay any amount due to RHB Bank up to the date RHB Bank receives the Terminated Card. 5.6 Upon withdrawal, suspension or termination of the use of the Card by the Cardmember, the Cardmember may redeem the Stored Value by way of the mode of redemption provided by RHB Bank. The mode of redemption refers to over-the-counter at RHB Bank Branches, Interbank GIRO facility or Demand Draft (for Stored Value above RM5.00). 6. DISCLAIMER OF LIABILITY OF RHB BANK 6.1 RHB Bank shall not be liable for any act or omission on the part of the Merchant including refusal by the Merchant to honour the Card or any defect or deficiency in any goods or services provided by the Merchant. The Cardmember shall resolve all complaints, claims and disputes against the Merchant directly with the Merchant and not through RHB Bank. The Cardmember undertakes not to enjoin RHB Bank in any such claim and / or dispute or legal proceedings against the Merchant. RHB Bank shall not be liable for any payment remitted to the Merchant notwithstanding any claim and / or dispute that the Cardmember may have against the Merchant. In the event there is a dispute of any Transaction, the amount deducted for payment towards such disputed Transaction shall not be refunded until the Cardmember is absolved from any liability whatsoever in relation to such disputed Transaction. 6.2 The Cardmember undertakes to exempt RHB Bank from all liability if the Card is not accepted by any Merchant or in any online Transaction or ATM. 6.3 RHB Bank may disclaim its liability for any failure to perform any obligations hereunder howsoever such failure may arise provided that the failure is outside RHB Bank s control. 9

10 6.4 Without prejudice to the generality of the foregoing, the Cardmember agrees not to hold RHB Bank liable (save for circumstances that are within RHB Bank s control) in the event that RHB Bank is unable to perform any of its obligations under these terms and conditions, attributable directly or indirectly to the failure of any mechanical or electronic device, data processing system, transmission line, industrial dispute, electric failure, any act beyond RHB Bank s control or any Act of God. 6.5 RHB Bank shall not be held liable to the Cardmember if RHB Bank does not carry out Transaction due to suspicion of fraud. 7. FEES AND CHARGES 7.1 All Cardmembers shall be required to pay on a yearly basis to RHB Bank the Annual Fee of RM25.44 (inclusive of 6% Goods and Services Tax GST ) or as may be determined by RHB Bank taking into account such set of pre-defined criteria drawn up by RHB Bank in accordance with RHB Bank s policies from time to time and any regulation(s) or guideline(s) that may be issued from time to time by the relevant authorities having jurisdiction over the Card and / or RHB Bank. 7.2 Each Cardmember shall be allowed to reload the Stored Value up to a maximum of 5 times per day at RHB Bank or any of the outlet of its nominees or agents up to the Stored Value limit from time to time provided that there is no breach of this Agreement and all fees relating to the Card has been paid and are not outstanding. 7.3 The Cardmember shall pay RHB Bank a service charge of RM8.48 (inclusive of 6% Goods and Services Tax GST ) per withdrawal at all ATMs via Visa network. 7.4 The Cardmember shall pay to RHB Bank 1% on the amount spent billed to the Cardmember in Ringgit Malaysia equivalent as conversion fee for any Transaction in any foreign currency. 7.5 The Card Account statements will be provided to the Cardmember twice a year. A service fee of RM5.30 (inclusive of 6% Goods and Services Tax GST ) per copy is chargeable for any request by the Cardmember to obtain copies of these Card Account statements. Alternatively, the Cardmember can check the balance of the Card Account and transaction details through the RHB Online Banking website. 7.6 Subject to availability, the Cardmember may request for copies of the sales draft at a service fee of RM10.60 (inclusive of 6% Goods and Services Tax GST ) only per sales draft or at such other fee as RHB Bank shall at its discretion prescribe. 7.7 Any cost or charge due from the Cardmember shall be debited to the Card Account and reflected in the Card Account statement. Any cost or charge paid by the Cardmember shall not be refundable under any circumstances In the event there is insufficient available balance in the Card Account to pay for any transaction or other amount payable by the Cardmember, including but not limited to any interest, fees, charges or other payments due to RHB Bank, RHB Bank may at its own discretion and is hereby authorised by the Cardmember to transfer or arrange the transfer of sufficient funds from any other account held by the Cardmember with RHB Bank to the Card Account by giving the Cardmember seven (7) calendar days notice before the effective date in the manner prescribed in Clause 14.7.

11 7.9 The Cardmember shall pay RHB Bank in full, all costs, including legal costs on a solicitor and client basis recovering any monies under the Prepaid Card Account Statement. Provided that RHB Bank has given notice of seven (7) calendar days to the Cardmember, RHB Bank may at its discretion set-off any costs and / or charges payable by the Cardmember against any remaining money paid by the Cardmember The aforesaid fees or charges may be varied at any time, and from time to time, at the discretion of RHB Bank by giving the Cardmember twenty one (21) calendar days notice before the effective date in the manner prescribed in Clause For the avoidance of doubt, the Cardmember shall bear all professional fees, taxes (including but not limited to service tax or Goods and Services Tax GST ), and out-of-pocket expenses incurred and any other fees, expenses or recourse in respect of this product. 8. TOPPING UP / STORED VALUE 8.1 The Cardmember may Top Up and pay monies into the Card Account in the following manner or such other manner which RHB Bank may prescribe from time to time: a) Banking in cash or cheques at any of RHB Bank s Branches over the counter or using RHB Bank s cash / cheque deposit machines; b) Funds transfer from any of the Cardmember s other accounts held with RHB Bank in any manner permitted by RHB Bank: c) Interbank money transfer (GIRO) from the Cardmember s other accounts held with other banks; or d) Over-the-counter at RHB Bank Branches. 8.2 Top Up by the Cardmember shall not be considered to have been made until the relevant Top Up has been received for value by RHB Bank. All Top Ups by outstation cheques shall include the relevant Inland Exchange commission where applicable. Failure to include such commission shall entitle RHB Bank to debit the Cardmember s Card Account for the same. 8.3 The maximum Stored Value that the Cardmember may credit to the Card Account is RM1, or any amount as may be determined by RHB Bank. Nevertheless, if as a result of any error or other circumstances, RHB Bank s system permits the Cardmember s Stored Value to exceed up to RM1, or any amount as may be determined by RHB Bank, RHB Bank will notify the Cardmember of such excess and require the Cardmember to fully utilise such excess or redeem such excess by the way of the mode of redemption provided in Clause 5.6 within fourteen (14) calendar days from the date of RHB Bank s notification. 8.4 If as a result of any error or other circumstances: a) the Cardmember debits an amount in excess of his / her Stored Value; or b) the Transaction exceeds the Stored Value; or c) the Card Stored Value is not sufficient to cover any fees and charges; 11

12 12 and any of the above creates a debit balance on the Card Account, such debit balance shall be an amount due to RHB Bank and the Cardmember shall repay such debit balance due to RHB Bank within fourteen (14) days from the date of RHB Bank s request for repayment. Such a repayment may be made by the Cardmember by way of Top Up in an amount that equals to or exceeds such balance. Any amount of the Top Up in excess of the debit balance shall be treated as Stored Value. If there is still debit balance after fourteen (14) days from the date of RHB Bank s request for repayment, Clause 7.8 will apply. After application of Clause 7.8, if there is still such debit balance, the Card will be blocked. 8.5 Except as provided in Clause 8.3, the Cardmember shall accept full responsibility for all Transactions made by the use of the Card and shall accept RHB Bank s record of Transactions as binding and conclusive for all purposes and hereby authorises the Bank to debit the Cardmember s Account with or without the Cardmember s knowledge or authority. 9. STATEMENT 9.1 A periodic statement for a Card Account belonging to the Cardmember stating the Debit Transaction, fees and charges and all ATM withdrawals incurred by the Cardmember including any payment or credit made and recorded by RHB Bank shall be sent to the Cardmember twice a year or at such other intervals as determined by RHB Bank, hereinafter referred to as the Statement. Alternatively, the Cardmember can access the detailed transactions by registering for RHB Bank s Internet Banking service, The records and entries in the Card Account with RHB Bank as they appear on the Statement Cardmember s RHB internet banking card transaction listing shall be deemed to be correct and binding on the Cardmember unless notice to the contrary is given to RHB Bank by the Cardmember within twenty (20) calendar days from the date of the posting date of such transaction. 9.3 Upon receipt of such notice duly given by the Cardmember within the stipulated time period, RHB Bank shall look into the disputed transaction to make the necessary adjustments and rectifications, if any. Kindly take note that RHB Bank will take stern actions including making a police report and subsequent legal action (if need be) against any customer for any attempt to make false claims on the disputed transactions. The operation of this Clause shall not in any way affect the Cardmember s obligation under Clause 7 PROVIDED ALWAYS that any money due to or from the Cardmember shall be credited or debited into the Prepaid Card Account. 10. REWARD PROGRAMME 10.1 The Reward Programme is applicable to Cardmember with active and good conduct of their Card and Card Account. The Cardmember shall not be entitled to participate in any other reward programme offered by RHB Bank with respect to other cards issued by RHB Bank other than the said Card. Further, holders of Cards issued by RHB Bank other than the said Card shall not be entitled to the Reward Programme unless determined otherwise by RHB Bank.

13 10.2 The Cardmember shall be eligible to the following S-Points subject to such variations as may be made at the discretion of RHB Bank provided that RHB Bank shall not unreasonably vary such S-Points: Spending Total S-Points Spends RM1,001 and above per month in KL SOGO Department Store RM1 = 3 S-Points Spends RM501 to RM1,000 per month in KL SOGO Department Store RM1 = 2 S-Points Spends RM500 and below per month in KL SOGO Department Store RM1 = 1 S-Point Spend elsewhere excluding KL SOGO Department Store RM2 = 1 S-Point All decimal points will be disregarded in the calculation of the rewards Additional S-Points may be given from time to time during tactical campaigns to promote the Reward Programme RHB Bank shall allocate the S-Points to the eligible Cardmember based on the Cardmember s Card number, which is not blocked, cancelled or terminated by RHB Bank. No S-Points will be awarded in respect of any cash withdrawal or PIN-based transactions from the Card Account, utilising the Card Subject to Clause 10.4 above, valid S-Points may be redeemed only by the Cardmember during his / her lifetime The total rewards accumulated by Cardmember of the Card will be reflected in the Cardmember s half yearly prepaid card statement The Cardmember hereby acknowledges that there is a lapse of time between a charge transaction using the Card and the crediting of the S-Points into his / her Card Account. As such, RHB Bank does not represent and warrant that the S-Points accumulated prior to a proposed redemption is immediately available for redemption at KL SOGO. RHB Bank reserves the right to deduct the S-Points or cancel the Reward Programme from the Cardmember s account with prior notice The S Card membership and S Card Reward Redemption programme is governed by KL SOGO. Please refer to the terms and conditions as stipulated in the S Card membership Terms & Conditions booklet and S Card Rewards Catalogue. They can also be found at RHB Bank shall not be responsible or liable for any inconvenience, loss or damage suffered by a Cardmember as a consequence of, and without limitation to, the following: a) Any malfunction, defect or error at any card terminal or other systems of authorisation howsoever caused resulting in a failure to determine the total S-Points in the Card Account or a failure to effect or complete any transaction; or b) Any delay or inability on the part of RHB Bank to perform any of its obligations pursuant to this Agreement as a result of any electronic, mechanical, system, data processing or telecommunication defect or failure, or any other event outside the control of RHB Bank. 13

14 10.10 Adjustments will be made to the S-Points accrued in the Cardmember s Card Account if there are any credit(s) or debit(s) posted to a Cardmember s Card Account including those arising from returned goods or services, or from billing disputes. Any credit reversal, unauthorised Transaction / or disputed Transaction / billing will not be accredited with the S-Points RHB Bank and KL SOGO may at its discretion amend and, provided that the notice of twenty one (21) calendar days has been given to the Cardmember, amend, alter, cancel or replace the Rewards Programme with an alternative customer loyalty programme deemed suitable by them No redemption is allowed upon the cancellation of the Card or during an inactive card status as determined by RHB Bank RHB Bank shall not be responsible for any unauthorised redemption or any other transaction involving the Reward Programme howsoever arising RHB Bank may at its discretion deduct or cancel any S-Points from any Card Account or reject or cancel any redemption requested by the Cardmember provided that RHB Bank shall not unreasonably reject or cancel such Card RHB Bank shall have the right at its discretion provided that the Bank has given notice of twenty one (21) calendar days to the Cardmember to vary, modify or amend the benefits or rewards of the Card as stipulated in these terms and conditions, including but not limited to, the mechanism for the calculation and award of S-Points to the Cardmember. RHB Bank shall duly inform the Cardmember of such variation, modifications and amendments by letter or any other mode by giving notice to the Cardmember of at least twenty one (21) calendar days in advance, and such variation, modifications and amendments shall be effective on the date stipulated in the letter or any other mode of notice to the Cardmember as shall be determined solely by RHB Bank Any remaining S-Points shall immediately cease to be valid upon the cancellation of the Card. No refund, extension or compensation will be given by RHB Bank RHB Bank s decisions on all matters pertaining to the Reward Programme shall be binding on all Cardmembers These terms and conditions shall prevail over any provisions or representations contained in any brochure or other promotional materials advertising the Reward Programme. 11. LOST / STOLEN CARD 11.1 The Cardmember shall be liable for all transactions incurred from unauthorised usage of the Card until a report of the loss or theft has been received by RHB Bank and / or RHB Bank Card Centre RHB Bank Customer Care Centre contact number is for Peninsular Malaysia and for Sabah and Sarawak. 14

15 11.3 The Cardmember shall be and shall remain liable for all transactions incurred from the unauthorised usage of the Card where investigations made by RHB Bank or the police reveal that the Cardmember is a party to the procurement of any merchandise or services from the Merchants effected through the use of the Card by any unauthorised person. The Cardmember shall be liable for such unauthorised transactions before RHB Bank receives his / her written notification of its loss or theft Request for refund is subject to RHB Bank s discretion If a Card reported lost is subsequently recovered, the Cardmember shall immediately return such Card cut in half, to RHB Bank. The Bank will not issue a replacement Card following the loss or theft of the Card or the disclosure of the PIN to any unauthorised person and a new Starter Pack will have to be purchased upon the payment of the Annual Fee In some circumstances, card scheme rules allow the Cardmember to charge back to the Merchant with whom the transaction was made (if the chargeback right is available) subject to the complaint or dispute was made to RHB Bank by the Cardmember in writing within twenty (20) days from the posting date of such transaction in the Cardmembers s Card Account and the Cardmember has provided the necessary information requested by RHB Bank to support the chargeback within the requested timeframe. 12. CONCLUSIVE EVIDENCE 12.1 The Cardmember hereby covenants with RHB Bank to accept as final and conclusive evidence against the Cardmember in any legal proceedings and for all other purposes whatsoever: 13. NOTICES a statement issued by RHB Bank is conclusive evidence of the Cardmember s indebtedness to RHB Bank; a certificate from an authorised officer of RHB Bank is conclusive evidence of the issue whether due notice of any matter arising out of this Agreement has been given to the Cardmember; any records kept by RHB Bank shall be conclusive evidence of the amount of S-Points earned by or attributed to a Card or the Cardmember Any communication referred to in this Agreement shall be deemed to have been duly received by the Cardmember if left at or sent by certified ordinary post to his / her last known address or advertised in any media including the Internet as decided solely by RHB Bank Services of any notice or legal process shall be deemed to have been effected on date of delivery if made by hand or in the case of post, on the second Business Day after posting to the Cardmember at the last known address notified to RHB Bank or on the date of any advertisement thereof by RHB Bank. 15

16 14. MISCELLANEOUS 14.1 RHB Bank may from time to time, provided that the consent has been given by the Cardmember, disclose any information concerning the Cardmember and / or any transactions undertaken through the use of the Card to: a) Any authority, Merchant and any member of the institute Visa / Visa Card International Incorporated / VISA International; and b) Any associate or related company of RHB Group, its agents, servants and / or such Persons as RHB Bank may absolutely deem fit, provided that the Cardmember has consented to such disclosure at the point of application; and c) The Cardmember hereby consents to RHB Bank seeking any information concerning the Cardmember from any authority, Merchant or such other person(s) as RHB Bank may from time to time deem fit; d) RHB Bank co-brand partner KL SOGO Subject to the consent given by the Cardmember as in Clause 14.1 herein, the Cardmember hereby consents to RHB Bank and / or KL SOGO to use and share the Cardmember s information to help RHB Bank and / or KL SOGO to: a) Access financial and insurance risks; b) Recover debt; c) Prevent and deter crime; d) Understand our customer s requirement; e) Develop and test products and services 14.3 The Cardmember s information as stated in Clause 14.2 herein shall mean any information of the Cardmember contained within RHB Bank, its associate or related companies, its agents, servants and / or such persons, co-brand partner KL SOGO now or in the future including any dealings with RHB Bank, its associate or related companies, it agents, servants and / or such persons, co-brand partner KL SOGO and of transactions made with the Card In the event that the Cardmember has opted-in in relation to the disclosure of information for the purposes of cross-selling, marketing and promotions and further consents to and authorises 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 of the Card, and the Cardmember subsequently wants to opt-out or vice versa, the Cardmember may contact RHB Customer Care Centre to change the option If there is any update to the account information / FATCA status, the Cardmember agrees to notify and furnish RHB Bank with the relevant documentary evidence within 30 days of such change. The Cardmember consents and authorises RHB Bank to perform any of the following if applicable: Withhold any applicable payments in the account Report or disclose all relevant information relating to or arising from the account.

17 Terminate (with prior notice) the Cardmember s contractual relationship(s) with RHB Bank If any provision hereof is held to be void or unenforceable, in whole or in part, under any enactment or rule of law, the remaining provisions hereof shall remain in full force and effect RHB Bank reserves the right to add, delete, alter or amend any of these terms and conditions as mentioned in any of the earlier clause inclusive of introduction of new fees and charges and changes in fees and charges, at any time with at least twenty one (21) calendar days prior notice before the effective date. At the discretion of RHB Bank, notice of such additions or modifications or amendments may be effected by: a) Displaying the same at the premises of RHB Bank or its Branches or by mailing aforesaid notice to the Cardmember; or b) Sending notice of the same by SMS or electronic mail or by posting the notice of the same on RHB Bank s website If the Cardmember does not accept any such amendments, the Cardmember may, within seven (7) calendar days after RHB Bank has given such notice, terminate the use of the Card in accordance with Clause RHB Bank is entitled to assign any receivables from the Cardmember to RHB Bank to such parties and upon such terms as it may deem fit The Card is subjected to the Unclaimed Moneys Act 1965 (UMA) This Agreement (and all agreements formed pursuant hereto) shall be governed and construed under the laws of Malaysia and the Cardmember agrees to submit to the exclusive jurisdiction of the Courts of Malaysia Time whenever mentioned shall be of the essence of this Agreement but no failure to exercise and no delay in exercising on the part of RHB Bank of any right, power of privilege under this Agreement shall operate as waiver thereof, nor shall any single or partial exercise of any right power or privilege preclude any other or further exercise thereof or the exercise of any other right, power or privilege. The rights and remedies therein provided are cumulative and not exclusive of any rights or remedies provided by law The obligations of the Cardmember shall be binding on the Cardmember s legal representatives or successors in title and assigns In the event of any ambiguity arising from this Agreement, such ambiguity shall be resolved by RHB Bank. RHB Bank s construction of the meaning of any provision and where applicable, its choice of the appropriate provision to be applied to a particular situation shall be final and binding on the Cardmember. 17

18 14.15 Notwithstanding any provision herein to the contrary, RHB Bank shall not be liable to the Cardmember and any party for loss, injury, delay or damages suffered or incurred by any such other party in performance of their respective obligations herein resulting from acts or occurrences beyond their reasonable control due to acts of God, strikes, labour disturbances, lockouts, terrorism, material shortages, riots, acts of war, governmental regulations, fire, earthquakes, flood, lightning strike, outbreak of disease and other natural disasters. The obligations of RHB Bank, as far as affected by such acts or occurrences, shall be suspended during the continuance of any delay or failure in performance so caused, and such delay or failure shall not be a breach of this Agreement The relevant terms and conditions highlighted herein are correct and applicable at the time of printing. Please refer to the RHB website at End of Terms and Conditions Last updated 1 July

19 RHB BANK BERHAD PERJANJIAN KEAHLIAN KAD PRABAYAR SOGO-RHB TERMA-TERMA DAN SYARAT-SYARAT Pengeluaran Kad Prabayar SOGO-RHB (selepas ini dirujuk sebagai Kad Prabayar SOGO-RHB ) oleh RHB Bank Berhad (selepas ini dirujuk sebagai RHB Bank ) kepada Ahli Kad dan penggunaan Kad Prabayar SOGO-RHB oleh Ahli Kad adalah tertakluk kepada terma dan syarat berikut yang dimaklumkan kepada Ahli Kad pada masa permohonan, pendaftaran dan / atau pada masa penyerahan Kad Prabayar SOGO-RHB. Terma-terma dan syarat-syarat ini akan mengikat Ahli Kad sebaik sahaja pengakuan penerimaan diterima dan / atau penggunaan Kad Prabayar SOGO-RHB. 1. TAKRIFAN DAN TAFSIRAN 1.1 Melainkan dinyatakan sebaliknya, perkataan-perkataan dan ungkapan-ungkapan berikut mempunyai erti yang terkandung: Ahli Kad Ahli S Card Akaun Kad Akaun Kad Prabayar ATM bererti seseorang yang suatu Kad dikeluarkan kepadanya dan didaftarkan dan tandatangannya diturunkan di atasnya sebagai pengguna yang sah untuk menggunakan Kad seperti yang diperuntukkan di dalam Perjanjian ini. bererti Ahli S Card. bererti akaun Kad Prabayar SOGO-RHB Ahli Kad di mana semua bayaran untuk pembelian barangan dan perkhidmatan dan Pengeluaran Tunai yang dilaksanakan dengan penggunaan Kad oleh Ahli Kad dan semua yuran tahunan dan / atau apa-apa bayaran lain yang didebitkan. bererti akaun kewangan Ahli Kad dibuka dan dikekalkan dengan RHB Bank untuk kegunaan Kad. bererti mesin ATM atau mesin kad yang dikendalikan, sama ada yang dimiliki oleh RHB Bank atau bank-bank yang mengambil bahagian atau institusi kewangan yang lain atau kepada Visa ATM Network Global, atau rangkaian yang lain, berkenaan dengan Bank yang mempunyai pengaturan yang wujud untuk membolehkan Ahli Kad untuk menggunakan kad di mesin itu. Baki Dipegang bererti pada bila-bila masa jumlah amaun yang dianggarkan oleh Bank sebagai amaun mana-mana dan semua transaksi debit yang dilakukan ke atas Kad, tetapi belum didebitkan dari Akaun Kad. Kad bererti Kad Prabayar SOGO-RHB yang diberikan oleh RHB Bank yang merangkumi cetakan LOGO KL SOGO di atasnya, dan / atau mana-mana nama lain, logo dan / atau tanda dagang sepertimana yang ditentukan oleh RHB Bank dari masa ke semasa, kecuali dinyatakan sebaliknya. 19

20 KL SOGO KL SOGO Departmental Store bererti SOGO (K.L.) DEPARTMENT STORE SDN BHD (No. Syarikat D), sebuah syarikat sendirian berhad yang ditubuhkan di Malaysia di bawah Akta Syarikat 1965 dengan alamat utama perniagaannya di Kompleks SOGO, 190 Jalan Tuanku Abdul Rahman, Kuala Lumpur, Malaysia (selepas ini di rujuk sebagai KL SOGO ) di pihak yang satu lagi. Bererti sebuah kompleks perniagaan yang terdiri daripada sebuah pasar raya bersama-sama dengan gedung membeli-belah, dikendalikan dan diselenggarakan oleh KL SOGO di Malaysia yang dikenali sebagai KL SOGO Departmental Store untuk tujuan perjanjian ini. Mata Ganjaran Bererti mata ganjaran yang diperoleh oleh Ahli Kad S Card berkaitan dengan perbelanjaan yang dicajkan ke (S-Points) atas Kadnya. Mata Wang bererti mata wang dalam Ringgit Malaysia. Nilai Tersimpan Nilai Tersimpan Pek Permulaan Pengeluaran Tunai Peniaga Penyata PIN bererti sebarang jumlah yang tinggal di dalam akaun Kad untuk transaksi menggunakan Kad. bererti pakej yang mengandungi Kad, borang pendaftaran / permohonan, Perjanjian ini dan mana-mana dokumen atau bahan-bahan yang boleh diberikan oleh RHB Bank seperti yang dianggap wajar oleh RHB Bank. bererti transaksi untuk mengeluarkan wang tunai oleh Ahli Kad di mana-mana ATM (dengan rangkaian Visa atau PLUS) atau di Cawangan Bank tertakluk kepada had pengeluaran berikut dan Nilai Simpanan yang tersedia: Minimum RM10.00 Maksimum RM1, Setiap pengeluaran adalah tertakluk kepada had pengeluaran ATM Bank masing-masing. bererti mana-mana peruncit atau individu, syarikat atau pertubuhan lain, kakitangan, pekerja atau ejennya yang bersetuju menerima atau menyebabkan pejabat, cawangan, kedai, stor, premis perniagaan dan lokasinya di Malaysia atau mana-mana jua untuk menerima Kad apabila dikemukakan secara elok untuk membenarkan Ahli Kad membuat transaksi debit pada Kad. bererti penyata Akaun Kad yang dikeluarkan oleh RHB Bank yang menunjukkan semua Transaksi Akaun Kad Ahli Kad. bererti Nombor Pengenalan Peribadi yang diberi kepada Ahli Kad untuk digunakan dengan Kad. 20

21 Program Ganjaran Pusat Kad RHB Bank RHB Bank bererti Program yang memberi Mata Ganjaran kepada Ahli Kad. bermaksud Pusat Kad RHB Bank dan alamat perniagaannya di pejabat Pusat Kad, 18, Jalan Tun Tan Siew Sin, Kuala Lumpur. bererti RHB BANK BERHAD (No. Syarikat 6171-M), sebuah bank berlesen yang ditubuhkan di bawah undang-undang Malaysia dengan alamat berdaftarnya di Aras 10, Tower One, RHB Centre, Jalan Tun Razak, Kuala Lumpur dan pengganti hak milik atau penerima serah haknya. S Card bererti keahlian dan program ganjaran yang dikendalikan oleh KL SOGO Department Store Sdn. Bhd. (KL SOGO) untuk manfaat Ahli S Card. Tambah Nilai bererti menambah nilai wang ke dalam Akaun Kad. Tarikh Sah Transaksi Transaksi Debit bererti tarikh tamat tempoh Kad seperti yang tercetak pada Kad. bererti mana-mana dan semua transaksi perbankan yang dilakukan menerusi penggunaan Kad dan / atau PIN dan merangkumi tetapi tidak terhad kepada, pengeluaran tunai, pembelian, pembayaran, pemindahan dana, pertanyaan baki, deposit tunai dan cek, penjelasan bil dan manamana perkhidmatan perbankan eletronik lain seperti yang ditawarkan atau diperkenalkan oleh Bank dari semasa ke semasa (sama ada menerusi ATM, Terminal Tumpuan Jualan (POS), transaksi Internet atau lain-lain terminal atau saluran yang disediakan kepada Ahli Kad). Untuk mengelakkan keraguan, istilah Transaksi merangkumi juga Transaksi Debit. bererti Transaksi yang dilakukan di bawah nama, tanda dan logo Visa melalui penggunaan Kad dengan PIN dan / atau dengan tandatangan Ahli Kad kecuali dalam Kad Transaksi Tidak Hadir seperti pesanan mel, pesanan telefon, pembayaran berulang dan transaksi dalam talian, PIN atau tandatangan Ahli Kad tidak diperlukan. Yuran Tahunan bermaksud bayaran sebanyak Ringgit Malaysia Dua Puluh Lima dan Sen Empat Puluh Empat (RM25.44) (termasuk 6% Cukai Barangan dan Perkhidmatan GST ) sahaja atau sesuatu amaun lain sepertimana yang dinyatakan oleh RHB Bank dari semasa ke semasa, dikenakan oleh RHB Bank dan perlu dibayar oleh Ahli Kad kepada RHB Bank apabila Kad dikeluarkan dan berdasarkan tahunan. 21