RHB DEBIT CARD WITH OVERDRAFT FACILITY CASH CONNECT XTRA RHB KAD DEBIT DENGAN KEMUDAHAN OVERDRAF-CASH CONNECT XTRA

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1 1. INTEREST RATE(S)/BANKING CHARGES/OTHER CHARGES (A) INTEREST You shall pay interest on all monies due and payable by you and all monies outstanding and owing to the Bank in relation to the Banking Facility and any other charges payable in relation to the Banking Facility at such rate or rates as may be stipulated or prescribed by the Bank at any time and from time to time. Without prejudice to the generality of the foregoing, the interest payable by you for the time being in respect of the Banking Facility is as specified under the column Interest Rate in Page 1 of the Bank s Letter of Offer. The interest payable is calculated on a daily rest basis and will be applied to the utilized amount, calculated from the utilization date until any repayments are credited to the Account and thereafter on the reduced balance. Interest at the aforesaid rate shall be payable by you before as well as after any judgment or order of court. (B) VARIATION OF INTEREST The Bank shall also be entitled at its discretion at any time and from time to time to vary the Bank s interest rate in respect of the change in interest rate imposed by serving a twenty one (21) calendar days notice in writing to you of such change in the rate(s) and such notice shall be deemed to have been sufficiently served on you if sent by hand or by ordinary mail to your last known place of residence/ business or to your address as stated in the Bank s Letter of Offer. The Bank shall be entitled at any time at its discretion by notice to you and without assigning any reason to change the fundamental basis of calculation of the prescribed rate (whether it be the BLR or any other basis by whatsoever name called). Provided always that the effective date of the change in the Bank s interest rate imposed shall be the date specified in the notice. Notwithstanding anything herein contained, any failure or delay on the part of the Bank to give notice in accordance with the provisions herein shall not absolve you from your obligation to pay the rate of interest determined by the Bank. 2. FEES AND CHARGES You agree to pay and authorise the Bank to debit your account (or where there are more than one account, any one or more of them) for the legal fees costs and other expenses which may be incurred by the Bank in the enforcement of the Bank s rights and entitlement under this agreement and the recovery of all or any part of monies owed by you to the Bank in your account by giving you twenty-one (21) calendar days notice before the effective date. 3. COMMITMENT FEE FOR OVERDRAFT FACILITY (IF APPLICABLE) The Bank reserves the right to levy a commitment fee of such rate as the Bank may at its discretion from time to time stipulate on the portion of the Overdraft Facility as shall be unutilised by you up to the aggregate approved limit at any time and from time to time commencing from the date when the Overdraft facility is made available to you for utilisation and the Bank shall be entitled to debit the commitment fee into your Overdraft account at the end of the month. For the time being, the Bank imposes a commitment fee of one per centum (1%) per annum on the unutilised portion of an Overdraft Facility the aggregate limit of which exceeds RM250, INTEREST ON EXCESS AMOUNT/DEFAULT RATE The Bank will not permit any excess/temporary overdrawing over and above the limit approved herein. However, in the event that an excess is created in your account due to, for example, interest accumulation or the expiry of the Overdraft Facility, the Bank shall have the right to impose at the Bank s discretion interest rate at 24% per annum on the amount in excess of the limit until the date of normalization. Notwithstanding the above, the Bank shall be entitled at its discretion at any time and from time to time with twenty-one (21) calendar days notice to you to vary the rate(s) in excess of the limit in the manner prescribed in clause 26(k). In addition to the above, the Bank shall also be entitled at its discretion at any time to charge an interest rate of 24% per annum on the outstanding amount due in the event of default in payment of the monthly interest due for 3 consecutive months without any further notice to you. 5. REPAYMENT (a) For Overdraft Facility it is subject to periodic review at the Bank s discretion. (b) For Overdraft Facility, interest shall be paid monthly and is calculated on the daily outstanding balance of the Overdraft Facility and capitalised at the end of the month subject to a minimum monthly interest charge of 15% per annum. The first interest payment shall be payable on or before the 15th day of the month following next after the date the Overdraft Facility is first utilised by you or on such other date allowed by the Bank. (c) You covenant and undertake that you shall make satisfactory agreement for payments/repayments of your account in accordance with the terms and conditions of this agreement at all times, including without limitation to the times when you are absent or abroad. Notwithstanding any provisions herein, you agree to pay and/or repay the Bank all Overdraft Facility together with all monies due thereunder forthwith upon any demand being made by the Bank which demand may be made by the Bank at any time and from time to time irrespective of whether or not an event of default has occurred or is continuing. 6. CONDITIONS PRECEDENT The Banking Facility will be made available for your utilisation upon the fulfillment of the following conditions precedent:- (a) The Bank shall have received your acceptance of this Letter of Offer. (b) The Bank is satisfied that no event has occurred so as to render the Banking Facility or any part thereof, to become immediately repayable and no event of default stated herein has occurred or is threatened. (c) The Bank is satisfied that no extraordinary circumstances, governmental action or other material adverse change or event has occurred which in the opinion of the Bank prejudices your ability to observe and perform the covenants and obligations on its part to be observed and performed herein. (d) The Bank s solicitors shall have confirmed that a search having been conducted at the Insolvency Department of Malaysia discloses that bankruptcy proceedings or winding up petitions (as the case may be) have not been commenced (or presented as the case may be) against you. (e) All documents which are required herein and/or such other documents as may be required by the Bank and/or its solicitor shall have been executed by the relevant parties, duly stamped and registered at such registries as the Bank may deem necessary or expedient and the original copy of each of the relevant documents, shall have been deposited with the Bank. 1 of 11

2 (f) You shall have paid all fees or charges payable or agreed to be paid by you to the Bank for or in connection with the Banking Facility. (g) The Banking Facility approved by the Bank s Letter of Offer can be drawndown or utilised upon completion of legal documentation and fulfillment of such conditions precedent as the Bank may require and subject to the Bank being satisfied (and in this respect the Bank s decisions shall be final) that there are no material changes affecting your financial conditions. 7. EVENTS OF DEFAULT All monies outstanding under the Banking Facility together with interest thereon and all other monies relating thereto shall become immediately repayable by you upon demand being made by the Bank or upon the occurrence of any of the following events:- (a) you make default in the payment on due date of any money payable hereunder (whether principal interest or otherwise) whether formally demanded or not; (b) you fail to observe or perform any of the agreements covenants stipulation terms and conditions herein; (c) any of your indebtedness becomes capable, in accordance with the relevant terms thereof, of being declared due prematurely by reason of a default by you in your obligations as provided in any other agreements entered into by you with the Bank or any other bank, Financial Institution (FI) or credit company in respect of any other banking or credit facility or facilities granted by the Bank or any other bank, FI or credit company (as the case may be) occurs or is threatened; (d) a distress or execution or other process of a court be levied upon or issued against your property and such action is not satisfied by you within seven (7) calendar days from the date thereof; (e) you enter into any arrangement or composition with your creditors; (f) if legal proceedings suits or actions of any kind whatsoever (civil or criminal) shall be instituted against you which in the opinion of the Bank would materially and adversely affect your ability to perform and observe your obligations herein; (g) you commit any act of bankruptcy or become bankrupt or enter into any composition or arrangement with or for the benefit of your creditors or allow any judgment against you to remain unsatisfied for a period of thirty (30) calendar days; (h) you become insane or die; (i) if the Bank shall in its discretion consider that the Banking Facility or any of its security or its security position to be in jeopardy. (j) any particulars, information or details furnished by you to the Bank in the Cash Connect Xtra Overdraft Facility Application Form or from time to time is untrue, incorrect or misleading or has since become untrue, incorrect or misleading; (k) if you exceed your Banking Facility limit; (l) if you use the Banking Facility for any unlawful activities including but not limited to illegal online betting. 8. ILLEGALITY If the Bank determines that the introduction or variation of any law, regulation or official directive (whether or not having the force of law) or any change in the interpretation or application thereof makes it unlawful for the Bank to maintain, fund or give effect to its obligations hereunder, the Bank shall forthwith give notice of such termination to you whereupon the Banking Facility to such extent shall be cancelled and you will forthwith upon notice from the Bank repay all monies outstanding under the Banking Facility together with interest thereon and all other monies agreed to be paid by you hereunder. 9. IRREVOCABLE RIGHT TO DEBIT ACCOUNT You are required to maintain a current account with the Bank and the Bank is irrevocably and unconditionally authorised to at any time and from time to time without reference to you and without any obligation whether at law or in equity so to do, to debit your account for:- (a) Any payment of principal or interest due under the Banking Facility; and (b) All expenses, duties, fees and other sums due and payable arising from the Banking Facility including but not limited to insurance premium, interest, service charges and commitment fees. Provided further that no such debiting shall be deemed to be payment of the amount due (except to the extent of any amount in credit in your current or other accounts) or shall be deemed to be a waiver of an event of default. 10. INCREASED COST Where the Bank determines that, as a result of the introduction or variation of any law, order, regulation or official directive (whether or not having the force of law), or any change in the interpretation or application thereof by any competent authority, or compliance with any request (whether or not having the force of law) from Bank Negara Malaysia or other fiscal, monetary or other authority, the cost to the Bank of making available or continuing to make available the Banking Facility is increased or the amount of any sum received or receivable by the Bank in respect of the Bank making or continuing to make available the Banking Facilities or the effective return to the Bank under the Banking Facility is reduced or the Bank is obliged to make any payment (except in respect of tax on our overall net income) or forego any interest or other return on, or calculated by reference to the amount of any sum received or receivable by the Bank from you under the Banking Facility, then the Bank shall notify you of the circumstances leading to the Bank s determination and :- (a) you shall on demand pay to the Bank such reasonable amounts as the Bank from time to time and at any time notify you to be necessary to compensate the Bank for such additional cost, reduction, payment or foregone interest or return provided that nothing herein contained shall prevent you from taking all necessary steps to mitigate the effect of such increased cost; and (b) at any time thereafter, so long as the circumstances giving rise to the obligation to make the compensating payment continue, you may upon giving the Bank not less than thirty (30) calendar days notice, cancel the Banking Facility. 11. MARKET DISRUPTION If in the opinion of the Bank, there has, since the date of this offer, been a change in national or international monetary, financial, economic or political conditions or currency exchange rates or exchange control which would render the Banking Facility temporarily or permanently commercially impracticable or impossible, the Bank shall notify you thereof, and:- (a) Whilst such circumstances exist, no utilisation of the Banking Facility will be allowed; (b) The Bank shall negotiate in good faith for an alternative basis acceptable to the Bank for continuing the Banking Facility; and (c) Unless within thirty (30) calendar days after the giving of such notice such circumstances cease to exist or an alternative basis acceptable to the Bank is arrived at, the Banking Facility shall be cancelled. 2 of 11

3 12. AVAILABILITY OF FUNDS/REVIEW The availability of the Banking Facility is subject always to availability of funds to the Bank and to the Bank s discretion to review the Banking Facility (including but not limited to the limits established by the Bank on any of the Banking Facility) at any time and from time to time. The Bank reserves the right to terminate or withdraw the Banking Facility at any time irrespective of whether or not you have breached any of the terms and conditions contained herein or in any other documents in relation to the Banking Facility and without any obligation (be it at law or in equity) to assign any reason for such termination or withdrawal with prior notice. 13. REVIEW The Bank reserves the right to review the Banking Facility at any time and from time to time and nothing herein contained shall be deemed to impose on the Bank any obligation either at law or in equity to make or to continue to make available the Banking Facility. 14. WAIVER AND INDULGENCE The terms and conditions herein may be waived by the Bank in whole or in part with or without conditions at the discretion of the Bank without prejudicing the rights of the Bank hereunder and any failure by the Bank to enforce any of the provisions hereunder or any forbearance delay or indulgence granted by the Bank to you shall not be construed as a waiver of the Bank s rights hereunder. 15. FINANCIAL SERVICES ACT 2013 The granting of the Banking Facility to you shall be upon the condition that the Bank will not breach or contravene any law, legislation or regulation including, without limiting the generality of the foregoing, the provision of Section 47 of the Financial Services Act 2013 or any other provisions thereof. In particular you are to declare to the Bank that you are not directly related as a spouse, child or parent to any of the directors, officers or employees of the RHB Banking Group. In the event any such relationship is established or discovered now or in future the Bank reserves the right forthwith to terminate and recall the Banking Facility. 16. DUTY TO VERIFY STATEMENTS OF ACCOUNTS You are to verify all statements of accounts sent to you by the Bank and immediately revert to the Bank in the event of any discrepancy in such statements of accounts failing which they shall be deemed to be conclusive and binding against you. 17. STATEMENT BY BANK (a) The certificate of the Bank as to the amount outstanding, due and payable, shall be final and conclusive and shall not, in the absence of manifest error, be questioned on any account whatsoever. (b) A periodic free statement for the current account belonging to you stating the debit transactions, fees and charges and all ATM withdrawals incurred by you including any payment or credit made and recorded by the Bank shall be sent to you on a monthly basis or at such other intervals determined by the Bank, hereinafter referred to as the Statement Date. Alternatively, you can access the detail transactions by registering for the Bank's internet banking service via (c) The records and entries in the current account with the Bank as appearing on the statement shall be deemed to be correct and binding on you unless written notice to the contrary is received by the Bank from you within fourteen (14) calendar days from the date of the statement. (d) Upon receipt of such written notice duly given by you within the stipulated time, the Bank shall look into the current account to make the necessary adjustments and rectifications, if any. The operation of the Clause shall not in any way affect your obligation under Clause 2 PROVIDED ALWAYS that any money due to or from you shall be credited or debited into the current account. 18. SUSPENSE ACCOUNT Any money received by the Bank in respect of the Banking Facility may be kept to the credit of a suspense account for so long as the Bank thinks fit without any obligation in the meantime to apply the same or any part thereof in or towards settlement of any liabilities due by you to the Bank. 19. BANKRUPTCY SEARCH The Bank will conduct bankruptcy searches on you prior to the disbursement of the facility and at any time or from time to time thereafter. In the event that any of the searches confirm that you are an adjudged bankrupt or if there are any legal proceedings suits or actions of any kind whatsoever (civil or criminal) shall be instituted against you, the Bank reserves the right to withdraw, cancel, terminate and/or recall the facility(ies) granted to you. 20. SET OFF/COMBINATION OR CONSOLIDATION OF ACCOUNTS (a) The Bank shall be entitled (but shall not be obliged) at any time and with seven (7) calendar days notice to you, in the manner prescribed in clause 26(k), to combine, consolidate or merge all or any of your accounts and liabilities with and to the Bank anywhere whether in or outside Malaysia whether alone or jointly with any other person and may transfer or set off any sums in credit in such accounts in or towards satisfaction of any of your liabilities whether actual or contingent, primary or collateral notwithstanding that the credit balances on such accounts and the liabilities on any other accounts may not be expressed in the same currency and the Bank is hereby authorised to effect any necessary conversions at the Bank s own rate of exchange then prevailing. (b) Without prejudice to the generality of the above, the Bank further reserves the right at any time and with seven (7) calendar days notice to you, in the manner prescribed in clause 26(k), to debit any of your accounts (whether in credit or debit) with the Bank for all payments due and payable by you howsoever to the Bank. 21. TERMS AND CONDITIONS RELATING TO CLEAN OVERDRAFT FACILITY (a) You shall open a current account with the Bank and the Clean Overdraft shall be utilised by drawing against such current account. (b) Utilisation of the Clean Overdraft Facility shall be in such manner as the Bank may from time to time prescribe and in accordance with the normal usages and practices of banking in Malaysia. (c) You are to operate your current account with the Bank in a satisfactory manner and pay the monthly interest in respect of the Clean Overdraft Facility promptly failing which the Bank reserves the right to vary the terms and conditions imposed including the interest 3 of 11

4 rate with twenty-one (21) calendar days notice to you prior to the variation, in the manner prescribed in clause 26(k). (d) Your Clean Overdraft in your current account must be operated actively and within the approved limit at all times and the Bank reserves the right to close the said current account and to recall the Clean Overdraft Facility in the event your current account is blacklisted under the DCheques guidelines. 22. NOTICES (a) You shall notify RHB Bank promptly in writing of any changes to the particulars as given to the Bank during the application and to provide the Bank with any other details as the Bank may request from time to time. (b) Any notice, demand, statement or other document to be given under this agreement and all other communications between the parties with respect to this agreement shall be in writing and may be given or sent by:- (i) Hand; (i) Ordinary post, certificate of post, registered post or other fast postal service; or (ii) Telex, facsimile or other electronic media, to the other party and at the addresses or facsimile transmission numbers set out in Cash Connect Xtra Overdraft Facility Application Form or the last known address of the parties or such other person, addresses or facsimile transmission numbers as either party may give notice of to the other. Notwithstanding anything else to the contrary, any notice to be given to you can be incorporated into the periodic current account statement issued to you (as the case may be). (c) In proving the giving of the notice or any document under or in respect of this agreement it shall be sufficient to show: (i) In the case of ordinary post, registered post or other fast postal service, that the notice or other document has been duly addressed and posted; or (ii) In the case of certificate of post, the acknowledgement issued by or of the post office that the notice or other document has been duly posted; or (iii) In the case of facsimile transmission or telex or other electronic media, was duly transmitted from the dispatching terminal as evidenced by a transmission report generated by the dispatching terminal. (d) All such notice demand, statement or other document to be given under this agreement and all other communications between the parties with respect to this agreement shall, in the case of the Bank, only be deemed to have been received at the time of actual receipt by the Bank and in the case of you, be deemed to have been received by you at the times stated herein below, whether or not it is in fact so received or received at all where given: (i) By hand, at the date of despatch; (ii) By registered post or other fast postal service, by second (2 nd ) day after despatch; or (iii) By way of telex, facsimile transmission or other electronic media, at time of transmission. (e) Without prejudice to any other forms of service allowed in law, the service of any writ, summons, statement of claims or any legal process in respect of or arising out of this agreement may be effected on you by forwarding a copy of the writ, summons, statement of claim or other legal process by prepaid registered post to its address stated in Cash Connect Xtra Overdraft Facility Application Form or to your last known address notwithstanding that it may be returned undelivered by the post office. (f) For the purpose of this Clause 21, no change in your address or the Process Agent (if applicable) howsoever brought about shall be effective or binding on the Bank unless you have given to the Bank actual notices of such change of address and nothing done in reliance of Clause 21 shall be affected or prejudiced by any subsequent change in your address of which the Bank has no knowledge of at the time the act or thing was done or carried out. (g) Notwithstanding anything else in the contrary, if Process Agent is specified in the Cash Connect Xtra Overdraft Facility Application Form, service of any legal process on the Process Agent shall constitute good and effective service on you. Without prejudice to any other forms of service allowed in law, in effecting service of any writ of summons or legal process in respect of or arising out of this agreement on the Process Agent, the provision of Clause 21(f) shall apply in the same way with the necessary changes, being varied according to the circumstances of the case. 23. SUSPENSION, CANCELLATION OR TERMINATION (a) The Bank may at any time and at its discretion without any liability whatsoever cancel or revoke any overdraft or suspend or restrict the use of any overdraft by you under your account by giving notice of thirty (30) calendar days, in the manner prescribed in clause 26(k), thereto, notwithstanding that you may not be in breach of this agreement or any other terms and conditions governing the use of the overdraft or otherwise. (b) You may terminate this Banking Facility by giving a letter of instruction to the Bank. Such termination shall be without prejudice to your liabilities and as set out in this agreement for all monies owing to the Bank prior to the date termin ation as well as for any and all antecedent breaches of this agreement. (c) Upon cancellation, recall (in the event you do not make any monthly repayment for 3 consecutive months) or suspension of the Banking Facility, all monies owing to the Bank by you, shall become due and payable immediately and you shall immediately upon demand by the Bank, settle in full to the Bank all monies and outstanding under this agreement by you. (d) You shall indemnify and keep the Bank fully indemnified for any loss, damage, costs, expenses, fees, charges (including witho ut limitation to the Bank's legal fees on a solicitor and client basis) which the Bank may suffer or incur in enforcing or attempting to enforce any or all of its rights herein contained in this agreement against you. (e) The Bank shall not be liable for any losses, damage, costs, expenses or claims of any kind whatsoever suffered by or brought against you in respect of any non-renewal, cancellation of the Banking Facility or any revocation, suspension, restriction on the use of the Banking Facility by the Customer. 24. APPOINTMENT OF COLLECTING AGENT In amplification and not in derogation of the Bank s right contained in this agreement, the Bank shall have the right at its discretion to appoint an agent of its choice to collect all and any sums due to the Bank from you under this agreement by giving notice of seven (7) calendar days. 4 of 11

5 25. FORCE MAJEURE Without prejudice to any of the provisions of this agreement, you agree not to hold the Bank liable in the event that the Bank is unable to perform in whole or in part of its obligations under this agreement, attributable directly or indirectly to the failure of its obligation under this agreement, attributable directly or indirectly to the failure of any mechanical or electronic device, date processing system, transmission line, industrial dispute, electrical failure, any act beyond the Bank s control or due to any factor in a nature of a force majeure. In the event that the Bank is not able to furnish you with the current account statement pursuant to Clause 16, for any period of time, your liability for finance and other charges shall, nevertheless, continue to accrue and for the purpose of computing the interest payable to the Bank or establishing the due date of interest and principal, the Bank may select any day of the month as the monthly statement date. 26. OTHER TERMS AND CONDITIONS (a) In the event that you have opted-in in relation to the disclosure of information for the purpose of cross selling, marketing and promotions and you subsequently want to opt-out or vice-versa, you may contact RHB Customer Care Centre to change the option. (b) The interest on any principal monies including capitalised interest shall at the end of each month be capitalised and added for all purposes to the principal sum then owing and shall thenceforth bear interest as well after as before judgment at the prevailing interest rate and notwithstanding the fact that the relationship of banker-customer between the Bank and you may cease for any reason whatsoever. (c) In the event the Bank recalls the Banking Facility or any part thereof, the Bank shall have the further right to impose at the Bank s discretion additional interest rate on the amount outstanding. (d) The Bank reserves the right to capitalise interest in the event that the Banking Facility is under recall notwithstanding the termination of Banker-Customer relationship for any reason whatsoever. The Bank shall charge additional interest at such rate that may be imposed at any time and from time to time by the Bank at its discretion over and above the Bank s agreed interest rate before as well as after judgment by giving notice of twenty one (21) calendar days. (e) No delay in exercising or omission to exercise any right, power or remedy accruing to the Bank upon any default on your part shall impair such right, power or remedy or be construed to be waiver thereof or an acquiescence in such default. (f) If any of the provisions of this agreement becomes invalid, illegal or unenforceable in respect of any law, the validity, legality or enforceability of the remaining provisions shall not in any way be affected or impaired. (g) Until the ultimate balance owing by you to the Bank has been paid or settled in full, the Bank shall have a lien (with power of sale) on all your property and assets which may from time to time be in the possession of the Bank and a charge over all your stock, shares and other marketable securities from time to time registered in the name of the Bank and/or its nominees, as your nominees, whether the same be held for safe custody or security for other facilities granted by the Bank to you or otherwise. (h) The security liabilities and/or obligations created by this agreement shall continue to be valid and binding for all purposes whatsoever notwithstanding: (i) Any change by amalgamation, reconstruction or otherwise which may be made in 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 shall be available to the company carrying on that business for the time being; (ii) The bankruptcy, death, legal disability or change of your name, in relation to any transaction whatsoever whether past, present or future. (i) The Bank may assign or transfer all or any part of its rights under this agreement but you shall not assign or transfer all or any part of its right under this agreement or delegate its performance under this agreement without the prior written approval of the Bank, and any assignment, transfer or delegation which is made without such prior written approval shall constitute a breach of this agreement. (j) If at any time any of the provisions of this agreement 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 provision of this agreement shall remain in full force and effect. (k) The Bank reserves the right to add, delete, alter or amend any of these terms and conditions as mentioned in any of the earlier clause at any time with prior notice and they shall become effective on such date as the Bank may elect to adopt, however for changes in fees and charges at least twenty-one (21) calendar days prior notice before the effective date is required. At the discretion of the Bank, notice of such additions or modifications or amendments/may be effected by:- (i) Displaying the same at the premises of the Bank or its branches or by mailing the aforesaid notice to you at your last known address; or (ii) Sending notice of the same by Short Messages System (SMS) or electronic mail or by posting the notice of the same on RHB Bank s website. (l) If you do not accept any such amendments, you may, within seven (7) days after the Bank has given such notice, terminate the utilization of the Banking Facility in accordance with Clause 23. -End of Terms and Conditions- Last updated 1st December of 11

6 KADAR (-KADAR) FAEDAH/ CAJ PERBANKAN/CAJ LAIN (A) FAEDAH Anda hendaklah membayar faedah ke atas semua wang yang genap masa untuk dibayar dan kena dibayar oleh anda dan semua wang yang belum dijelaskan dan masih terhutang kepada Bank berkaitan dengan Kemudahan Perbankan dan apa-apa caj lain yang kena dibayar berkaitan dengan Kemudahan Perbankan pada kadar yang sedemikian atau kadar sebagaimana yang dinyatakan atau ditetapkan oleh Bank pada bila-bila masa dan dari semasa ke semasa. Tanpa menjejaskan keluasan makna yang disebutkan sebelum ini, faedah yang kena dibayar oleh anda pada masa ini berkaitan dengan Kemudahan Perbankan adalah sebagaimana yang ditetapkan di bawah lajur Kadar Faedah dalam Halaman 1 Surat Tawaran Bank. Faedah yang kena dibayar adalah dikira pada kadar harian dan akan dikenakan ke atas jumlah yang digunakan, dikira daripada tarikh yang diguna sehingga sebarang bayarang balik dikreditkan ke dalam Akaun dan seterusnys ke atas baki yang telah kurang. Faedah pada kadar yang disebut sebelum ini hendaklah kena dibayar oleh anda sebelum dan begitu juga selepas apa-apa penghukuman atau perintah mahkamah. (B) VARIASI FAEDAH Bank juga berhak menurut budi bicara pada bila-bila masa dan dari semasa ke semasa untuk mengubah kadar faedah Bank berkaitan perubahan kadar faedah yang dikenakan dengan memberikan notis selama dua puluh satu (21) hari kalendar secara bertulis kepada anda akan perubahan sedemikian dalam kadar(-kadar) dan notis sedemikian hendaklah disifatkan telah diberikan dengan sebaik-baiknya kepada anda jika dihantar melalui hantaran tangan atau melalui pos biasa ke alamat kediaman/perniagaan anda yang terakhir yang diketahui atau ke alamat anda sebagaimana yang dinyatakan dalam Surat Tawaran Bank. Bank berhak pada bila-bila masa menurut budi bicara melalui notis kepada anda dan tanpa memberikan apa-apa sebab untuk mengubah asas dasar pengiraan bagi kadar yang ditetapkan (sama ada KPA mahupun apa-apa asas lain yang disebut dengan apa jua nama sekalipun). Dengan sentiasa menjadi syarat bahawa tarikh kuat kuasa perubahan kadar faedah Bank yang dikenakan hendaklah tarikh yang dinyatakan dalam notis. Dengan tidak menyentuh apa-apa yang terkandung dalam peruntukan ini, apa-apa kegagalan atau kelewatan di pihak Bank untuk memberikan notis menurut peruntukan yang terkandung dalam dokumen ini tidak seharusnya membebaskan anda daripada obligasi anda untuk membayar kadar faedah yang ditetapkan oleh Bank. 2. YURAN DAN CAJ Anda bersetuju untuk membayar dan membenarkan bank untuk mendebit akaun anda (atau sekiranya terdapat lebih daripada satu akaun, mana-mana satu atau lebih daripadanya) bagi kos yuran perundangan dan perbelanjaan lain yang mungkin ditanggung oleh Bank dalam menguatkuasakan hak dan kelayakan Bank di bawah perjanjian ini dan perolehan semula semua atau mana-mana bahagian wang yang terhutang oleh anda kepada Bank dalam akaun anda dengan memberi notis selama dua puluh satu (21) hari kalendar sebelum tarikh berkuatkuasa. 3. YURAN KOMITMEN BAGI KEMUDAHAN OVERDRAF (JIKA BERKAITAN) Bank berhak mengenakan levi suatu yuran komitmen pada kadar sebagaimana yang boleh ditentukan oleh Bank menurut budi bicara dari semasa ke semasa yang ditetapkan pada bahagian Kemudahan Overdraf bagi yang tidak digunakan oleh anda sehingga had agregat dibenarkan pada bila-bila masa dan dari semasa ke semasa bermula dari tarikh apabila kemudahan Overdraf tersedia untuk anda untuk digunakan dan Bank berhak mendebit yuran komitmen ke dalam akaun Overdraf anda pada hujung bulan. Buat masa ini, Bank mengenakan yuran komitmen sebanyak satu peratus (1%) setahun ke atas bahagian Kemudahan Overdraf yang tidak digunakan dengan had agregat yang melebihi RM250, FAEDAH ATAS AMAUN BERLEBIHAN/KADAR MUNGKIR Bank tidak akan membenarkan apa-apa pengeluaran berlebihan/sementara di atas dan melebihi had yang diluluskan dalam dokumen ini. Walau bagaimanapun, sekiranya suatu lebihan dihasilkan dalam akaun anda disebabkan, misalnya, pengumpulan faedah atau tamat tempoh Kemudahan Overdraf, bank berhak mengenakan kadar faedah pada 24% setahun menurut budi bicara Bank pada amaun yang melebihi had sehinggalah tarikh penormalan. Tanpa menyentuh yang di atas, Bank berhak menurut budi bicara pada bila-bila masa dan dari semasa ke semasa dengan notis selama dua puluh satu (21) hari kalendar kepada anda untuk mengubah kadar(-kadar) dalam lebihan had dalam cara yang ditentukan menurut fasal 26(k). Selain di atas, Bank berhak mengikut budi bicara pada bila-bila masa untuk mengenakan kadar faedah sebanyak 24% setahun ke atas jumlah tertunggak yang perlu dibayar sekiranya berlaku keingkaran dalam pembayaran faedah bulanan selama 3 bulan berturut-turut tanpa sebarang notis kepada anda. 5. PEMBAYARAN BALIK (a) Bagi Kemudahan Overdraf ia tertakluk kepada kajian semula berkala menurut budi bicara Bank. (b) Bagi Kemudahan Overdraf, faedah hendaklah dibayar secara bulanan dan dikira berasaskan baki belum jelas harian akan Kemudahan Overdraf dan dikapitalkan pada hujung bulan tertakluk pada faedah bulanan minimum yang dicajkan sebanyak 15% setahun. Pembayaran faedah pertama hendaklah kena dibayar pada atau sebelum hari ke-15 bulan selepas bulan berikutnya selepas tarikh Kemudahan Overdraf pertama digunakan oleh anda atau pada tarikh lain yang seumpamanya yang dibenarkan oleh Bank. (c) Anda berwaad dan mengaku janji bahawa anda akan membuat persetujuan yang memuaskan untuk pembayaran/pembayaran balik akaun anda menurut terma dan syarat perjanjian ini pada bila-bila masa, termasuk tanpa had pada masa anda tiada atau di luar negara. Tanpa menyentuh apa-apa peruntukan yang terkandung dalam dokumen ini, anda bersetuju untuk membayar dan/atau membayar balik kepada Bank semua Kemudahan Overdraf bersama-sama dengan semua wang yang genap masa untuk dibayar di bawah peruntukan ini dengan serta-merta apabila terdapat apa-apa permintaan yang dibuat oleh Bank dengan permintaan tersebut boleh dibuat oleh Bank pada bila-bila masa dan dari semasa ke semasa tanpa mengambil kira sama ada atau tidak suatu kejadian kemungkiran telah berlaku atau berterusan. 6 of 11

7 6. SYARAT DULUAN Kemudahan perbankan akan disediakan untuk kegunaan anda apabila syarat duluan yang berikut dipenuhi: (a) Bank hendaklah telah menerima penerimaan anda akan Surat Tawaran ini. (b) Bank berpuas hati bahawa tidak ada kejadian yang berlaku yang menyebabkan Kemudahan Perbankan atau mana-mana bahagian daripadanya, dengan serta-merta menjadi kena dibayar dan tidak ada kejadian kemungkiran yang dinyatakan dalam dokumen ini telah berlaku atau akan berlaku. (c) Bank berpuas hati bahawa tidak ada keadaan luar biasa, tindakan kerajaan atau perubahan besar lain yang memudaratkan atau kejadian yang berlaku yang pada pendapat Bank menjejaskan keupayaan anda untuk mematuhi dan melaksanakan waad dan obligasi di pihaknya untuk dipatuhi dan dilaksanakan menurut dokumen ini. (d) Peguam Bank hendaklah telah mengesahkan bahawa suatu carian telah dibuat di Jabatan Insolvensi Malaysia yang mendedahkan bahawa prosiding kebankrapan atau petisyen penggulungan (mengikut mana-mana yang berkenaan) belum dimulakan (atau dikemukakan mengikut mana-mana yang berkenaan) terhadap anda. (e) Semua dokumen yang diperlukan menurut dokumen ini dan/atau dokumen lain yang seumpamanya sebagaimana yang diperlukan oleh Bank dan/atau peguamnya hendaklah telah disempurnakan oleh pihak-pihak yang relevan, disetemkan dan didaftarkan sewajarnya pada pendaftar sedemikian sebagaimana yang disifatkan perlu atau wajar oleh Bank dan salinan asal setiap dokumen yang relevan hendaklah telah didepositkan dengan Bank. (f) Anda hendaklah telah membayar semua yuran atau caj yang kena dibayar atau setuju untuk dibayar oleh anda kepada Bank bagi atau dalam hubungannya dengan Kemudahan Perbankan. (g) Kemudahan Perbankan yang diluluskan melalui Surat Tawaran Bank boleh dikeluarkan atau digunakan apabila dokumentasi perundangan dilengkapkan dan syarat duluan yang sedemikian dipenuhi sebagaimana yang dikehendaki oleh Bank dan tertakluk pada Bank berpuas hati (dan dalam hal ini keputusan Bank adalah muktamad) bahawa tidak ada perubahan besar yang menjejaskan keadaan kewangan anda. 7. PERISTIWA KEMUNGKIRAN Semua wang yang belum dijelaskan di bawah Kemudahan Perbankan bersama-sama dengan faedah padanya dan semua wang lain berkaitan dengannya hendaklah kena dibayar dengan serta-merta oleh anda apabila diminta oleh Bank atau apabila berlaku manamana peristiwa yang berikut: (a) anda mungkir dalam pembayaran pada tarikh genap masa untuk dibayar bagi apa-apa wang yang kena dibayar menurut perjanjian ini (sama ada prinsipal faedah atau selainnya) sama ada diminta secara formal atau tidak; (b) anda gagal mematuhi atau melaksanakan apa-apa perjanjian, waad, ketetapan terma dan syarat yang terkandung dalam dokumen ini; (c) apa-apa keterhutangan anda boleh, menurut terma relevan berkaitan dengannya, diisytiharkan genap masa untuk dibayar lebih awal disebabkan kemungkiran oleh anda dalam obligasi anda sebagaimana diperuntukkan dalam mana-mana perjanjian lain yang diikat oleh anda dengan Bank atau mana-mana Bank lain, institusi kewangan atau syarikat kredit berkaitan apa-apa kemudahan perbankan atau kemudahan kredit atau kemudahan(-kemudahan) yang diberikan oleh Bank atau mana-mana Bank lain, institusi kewangan atau syarikat kredit (mengikut mana-mana yang berkenaan) berlaku atau akan berlaku; (d) suatu distres atau pelaksanaan atau proses mahkamah lain yang dilevikan ke atas atau dikemukakan terhadap harta anda dan tindakan sedemikian tidak diselesaikan oleh anda dalam masa tujuh (7) hari kalendar dari tarikh berkaitan dengannya; (e) anda memasuki apa-apa perkiraan atau komposisi dengan pemiutang anda; (f) jika prosiding, saman, atau tindakan yang apa jua jenis sekalipun (sivil atau jenayah) hendak dimulakan ke atas anda yang pada fikiran Bank akan menjejaskan dengan banyaknya atau mendatangkan kesan memudaratkan terhadap keupayaan anda untuk melaksanakan dan mematuhi obligasi anda menurut dokumen ini; (g) anda melakukan apa-apa tindakan kebankrapan atau menjadi bankrap atau memasuki apa-apa komposisi atau perkiraan dengan atau untuk faedah pemiutang anda atau membenarkan apa-apa penghukuman terhadap anda kekal tidak diselesaikan bagi tempoh tiga puluh (30) hari kalendar; (h) anda menjadi tidak siuman atau mati; (i) jika Bank, menurut budi bicara menganggap bahawa Kemudahan Perbankan atau mana-mana sekuritinya atau kedudukan sekuritinya diletakkan dalam bahaya; (j) apa-apa butiran, maklumat atau perincian yang dibekalkan oleh anda kepada Bank dalam Borang Permohonan Kemudahan Overdraft Cash Connect Xtra atau dari semasa ke semasa adalah tidak benar, tidak betul atau mengelirukan atau telah menjadi tidak benar, tidak betul atau mengelirukan; (k) jika anda melebihi had Kemudahan Perbankan anda; (l) jika anda menggunakan Kemudahan Perbankan anda untuk melakukan apa-apa aktiviti yang menyalahi undang-undang termasuklah tetapi tidak terhad kepada pertaruhan dalam talian yang menyalahi undang-undang. 8. KEPENYALAHAN UNDANG-UNDANG Jika Bank menetapkan bahawa, pengenalan atau variasi mana-mana undang-undang, peraturan atau arahan rasmi (sama ada atau tidak boleh dikuatkuasakan melalui undang-undang), atau apa-apa perubahan dalam pentafsiran atau aplikasi daripadanya menjadikannya menyalahi undang-undang bagi Bank untuk menyenggara, membiayai atau memberikan kesan terhadap obligasinya menurut dokumen ini, Bank hendaklah dengan serta-merta memberikan notis akan penamatan sedemikian kepada anda maka Kemudahan Perbankan ke tahap sedemikian hendaklah dibatalkan dan anda akan dengan serta-merta apabila menerima notis daripada Bank membayar balik semua wang yang belum dijelaskan di bawah Kemudahan Perbankan bersama-sama dengan faedah padanya dan semua wang lain yang dipersetujui oleh anda untuk dibayar menurut dokumen ini. 9. HAK TAK BOLEH BATAL UNTUK MENDEBIT AKAUN Anda dikehendaki menyenggara suatu akaun semasa dengan Bank dan Bank dibenarkan tanpa boleh batal dan tanpa syarat pada bila-bila masa dan dari semasa ke semasa tanpa merujuk kepada anda dan tanpa apa-apa obligasi sama ada dari segi undang-undang atau ekuiti untuk melakukan, untuk mendebit akaun anda bagi: (a) Apa-apa pembayaran prinsipal atau faedah yang genap masa untuk dibayar di bawah Kemudahan Perbankan; dan (b) Semua perbelanjaan, duti, yuran, dan jumlah lain yang genap masa untuk dibayar dan kena dibayar yang timbul daripada Kemudahan Perbankan termasuk tetapi tidak terhad kepada premium insurans, faedah, caj perkhidmatan dan yuran komitmen. 7 of 11

8 Dengan selanjutnya menjadi syarat bahawa tidak ada pendebitan sedemikian yang boleh disifatkan sebagai pembayaran amaun yang genap masa untuk dibayar (melainkan sehingga ke tahap apa-apa amaun kedudukan kredit dalam akaun semasa atau akaun lain anda) atau hendaklah disifatkan sebagai suatu penepian bagi peristiwa kemungkiran. 10. PENINGKATAN KOS Apabila Bank menetapkan bahawa, sebagai hasil pengenalan atau variasi mana-mana undang-undang, peraturan atau arahan rasmi (sama ada atau tidak boleh dikuatkuasakan melalui undang-undang), atau apa-apa perubahan dalam pentafsiran atau aplikasi daripadanya oleh mana-mana pihak berkuasa yang berwibawa, atau pematuhan dengan apa-apa permintaan (sama ada atau tidak boleh dikuatkuasakan melalui undang-undang) daripada Bank Negara Malaysia, atau fiskal, kewangan atau pihak berkuasa lain, kos bagi Bank yang menyediakan atau terus menyediakan Kemudahan Perbankan adalah meningkat atau amaun bagi apa-apa jumlah yang diterima atau belum diterima oleh Bank berkaitan dengan Bank menyediakan atau terus menyediakan Kemudahan Perbankan atau kembalian berkesan kepada Bank di bawah Kemudahan Perbankan adalah dikurangkan atau Bank dipertanggungjawabkan untuk membuat apa-apa pembayaran (melainkan berkaitan cukai pada pendapatan bersih keseluruhannya) atau meninggalkan apa-apa faedah atau kembalian lain pada, atau dikira dengan merujuk amaun bagi apa-apa jumlah yang diterima atau belum diterima oleh Bank daripada anda di bawah Kemudahan Perbankan, maka Bank hendaklah memberitahu anda keadaan yang membawa kepada penetapan Bank dan: (a) Anda hendaklah atas permintaan membayar kepada Bank amaun berpatutan yang seumpamanya sebagaimana Bank dari semasa ke semasa dan pada bila-bila masa memberitahu anda akan keperluan memampas Bank bagi kos tambahan sedemikian, pengurangan, pembayaran atau pelepasan faedah atau kembalian dengan syarat bahawa tidak ada yang terkandung dalam dokumen ini yang boleh menghalang anda daripada mengambil semua langkah yang perlu untuk mengurangkan kesan peningkatan kos yang sedemikian; dan (b) pada bila-bila masa selepas itu, selagi keadaan tersebut menimbulkan obligasi untuk membuatkan pembayaran pampasan berterusan, anda boleh, apabila memberikan kepada Bank notis tidak kurang dari tiga puluh (30) hari kalendar, membatalkan Kemudahan Perbankan. 11. GANGGUAN PASARAN Jika, pada pendapat Bank, berlaku, sejak tarikh tawaran ini, suatu perubahan dalam kewangan negara atau antarabangsa, keadaan kewangan, ekonomi atau politik atau kadar pertukaran mata wang atau kawalan pertukaran yang akan menyebabkan Kemudahan Perbankan secara sementara atau kekal, secara komersial tidak dapat atau mustahil untuk diamalkan, bank hendaklah memberitahu anda tentangnya, dan; (a) selagi keadaan sedemikian wujud, tidak ada penggunaan Kemudahan Perbankan akan dibenarkan; (b) Bank hendaklah merunding urus dengan niat baik bagi asas alternatif yang boleh diterima oleh Bank untuk meneruskan Kemudahan Perbankan; dan (c) Melainkan dalam masa tiga puluh (30) hari kalendar selepas memberikan notis sedemikian keadaan sedemikian tidak lagi wujud atau suatu asas alternatif yang boleh diterima oleh Bank dicapai, Kemudahan Perbankan hendaklah dibatalkan. 12. KETERSEDIAAN DANA/KAJIAN SEMULA Ketersediaan Kemudahan Perbankan tertakluk sentiasa kepada ketersediaan dana kepada Bank dan kepada budi bicara Bank untuk mengkaji semula Kemudahan Perbankan (termasuk tetapi tidak terhad kepada had yang ditetapkan oleh Bank bagi mana-mana Kemudahan Perbankan) pada bila-bila masa dan dari semasa ke semasa. Bank berhak menamatkan atau menarik balik Kemudahan Perbankan pada bila-bila masa tanpa mengambil kira sama ada atau tidak anda telah melanggar mana-mana terma dan syarat yang terkandung dalam dokumen ini atau dalam mana-mana dokumen lain yang berkaitan dengan Kemudahan Perbankan dan tanpa apaapa obligasi (sama ada dari segi undang-undang atau ekuiti) untuk memberikan apa-apa sebab bagi penamatan atau penarikan balik yang sedemikian dengan notis terlebih dahulu. 13. KAJIAN SEMULA Bank berhak mengkaji semula Kemudahan Perbankan pada bila-bila masa dan dari semasa ke semasa dan tidak ada apa-apa yang terkandung dalam dokumen ini yang boleh disifatkan mengenakan ke atas bank apa-apa obligasi sama ada dari segi undang-undang atau dalam ekuiti untuk menyediakan atau terus menyediakan Kemudahan Perbankan. 14. PENEPIAN DAN INDULGENS Terma dan syarat yang terkandung dalam dokumen ini boleh diketepikan oleh Bank keseluruhannya atau sebahagiannya dengan atau tanpa syarat atas budi bicara Bank tanpa menjejaskan hak Bank menurut dokumen ini dan apa-apa kegagalan oleh Bank untuk menguatkuasakan apa-apa peruntukan menurut dokumen ini atau mengelakkan apa-apa kelewatan atau indulgens yang diberikan oleh Bank kepada anda tidak seharusnya disifatkan sebagai suatu penepian akan hak Bank menurut dokumen ini. 15. AKTA PERKHIDMATAN KEWANGAN 2013 Pemberian Kemudahan Perbankan kepada anda hendaklah dengan syarat bahawa Bank tidak akan memungkiri atau melanggar apaapa undang-undang, bidang kuasa atau peraturan termasuklah, tanpa mengehadkan keluasan makna sebelum ini, peruntukan Seksyen 47 Akta Perkhidmatan Kewangan 2013 atau apa-apa peruntukan lain daripadanya. Anda terutamanya hendaklah mengisytiharkan kepada Bank bahawa anda tidak secara langsung berkaitan sebagai pasangan, anak atau ibu bapa kepada manamana pengarah, pegawai atau kakitangan Kumpulan Perbankan RHB. Sekiranya apa-apa hubungan sedemikian wujud atau diketahui sekarang atau pada masa akan datang, Bank berhak dengan serta-merta menamatkan dan menarik balik Kemudahan Perbankan. 16. TUGAS MENENTUSAH PENYATA AKAUN Anda hendaklah menentusahkan semua penyata akaun yang dihantar kepada anda oleh Bank dan dengan serta-merta kembali kepada Bank sekiranya terdapat apa-apa percanggahan dalam penyata akaun sedemikian, yang sekiranya gagal dilakukan hendaklah disifatkan muktamad dan mengikat terhadap anda. 17. PENYATA BANK (a) Sijil Bank berkenaan baki belum dijelaskan, yang genap masa untuk dibayar dan kena dibayar, hendaklah muktamad dan tidak boleh dipertikaikan, dan tidak boleh, sekiranya tidak menunjukkan kesilapan, dipersoalkan atas apa-apa sebab sekalipun. 8 of 11