UOBM PREFERRED PLATINUM CARD TERMS & CONDITIONS

UOBM PREFERRED PLATINUM CARD TERMS & CONDITIONS Effective 1 May 2018 General These terms and conditions ( Terms and Conditions ) shall apply to United Overseas Bank (Malaysia) Bhd s (271809-K) ( UOBM ) UOB Preferred Platinum Card issued by UOBM to the Cardmember and are to be read together with the UOBM VISA/MASTERCARD Cardmember Agreement ( Cardmember Agreement ) For the avoidance of doubt, "Cardmember" shall mean both the principal and supplementary cardmembers. Unless defined differently in these Terms and Conditions, words and expressions used in these Terms and Conditions will have the same meaning as in the Cardmember Agreement. UOBM reserves the right at its sole and absolute discretion at any time to decide on all matters pertaining to the award or use of any or all of the benefits and privileges stated below and UOBM s decision shall be final and binding on the Cardmembers. The benefits and privileges described below may be amended, supplemented or revoked by UOBM, with prior notice at any time at UOBM s sole and absolute discretion. UOBM Preferred Platinum Card Cash Back Programme ( Programme ) UOBM Preferred Platinum Card ( Card ) comes with the feature of awarding up to 10% Cash Back on Utilities Spend, Dining Spend and Online Checkout/Payment on all days ( Cash Back ). 1. The Utilities Spend shall include Standing Instruction transactions with the service providers (Maxis, Digi, Celcom, Astro, TM & TNB) using the Card. 2. The Dining Spend shall include all dining spending made using the Card at participating dining merchants under the following Merchant Category Codes ( MCC ): Spend Category Dining Merchant Category Code Description (MCC) 5812 Eating Places & Restaurants 5814 Fast Food Restaurants For any Dining Spend which not classified under any of the MCC, such spending will not be eligible for the Cash Back. 3. The Online Checkout/Payment is eligible to the following online merchants/apps: a. Paypal b. Lazada c. Google d. Itunes e. Apple Store f. Uber

g. Grab/Grab Taxi 5. Subject to Clause 12, Cash Back will be awarded for Utilities Spend, Dining Spend & Online Checkout/Payment Spend for each calendar month subject to a minimum monthly Card spend of RM1000 ( Qualifying Spend ) charged to the Card based on transaction date captured by UOBM s system for the particular calendar month. 6. Subject to Clause 11, the minimum Qualifying Spend is inclusive of the collective spend of both principal and supplementary Cardmember charged to the Card based on transaction date captured by UOBM s system for the particular calendar month. For the avoidance of doubt, only the principal Cardmember is entitled to the Cash Back. 7. The total Cash Back awarded for Utilities Spend, Dining Spend & Online Checkout/Payment Spend category for both principal and supplementary Card combined is capped based on the following Qualifying Spend in each calendar month: Qualifying Spend in a calendar month RM1000.00 & above Maximum Cash Back to be awarded per calendar month RM50.00 For newly approved Card, the Qualifying Spend requirement must be fulfilled within the first calendar month. In the event that the qualifying period is less than one month, the Qualifying Spend requirement still applies. 8. For the avoidance of doubt, the Cash Back amount will be rounded to the nearest cent. 9. The determination of monthly Cash Back earned and/or to be credited is at UOBM s discretion and shall be reviewed from time to time. UOBM may amend and/or vary the required minimum Qualifying Spend at UOBM s sole discretion, with prior notice. 10. The monthly Cash Back earned in a calendar month will be credited to the Cardmember s Card account by the last day of the following month. 11. Any accumulated Cash Back including Cash Back pending credit into the Cardmember s Card account shall immediately cease to be valid upon the occurrence of any one of the following: a. Any cancellation of the Card; b. Any conversion of the Card to any other UOBM Credit Cards; c. The Card Account becomes delinquent, terminated or suspended for whatever reason; d. The Cardmember breaches any of these terms and conditions or the terms and conditions in the Cardmember Agreement; e. The Cardmember passed away or commits an act of bankruptcy or allows a judgment to remain against him / her for more than twenty one (21) days; f. The financial position of the Cardmember is or has become unsound and UOBM is of the view that the Cardmember s ability to fulfill these terms and conditions or the terms and conditions in the Cardmembers Agreement is or has become impaired; or g. The Card is terminated by UOBM for whatever reason. Exclusions 12. The following transactions shall not be treated as Qualifying Spend: a. Balance Transfer; b. Cash Advance; c. Flexi-Credit Plans; d. Easi Payment Plan purchases;

e. 0% Interest-Free Installment Payment Plans; f. Refunded, disputed, unauthorized or fraudulent retail transactions; g. Top-up transactions; h. Payment of annual card membership fees, interest payments, late payment fees, charges for cash withdrawals, goods and services tax and any other form of service / miscellaneous fees using the Card; and i. Such other transactions as UOBM may determine from time to time. 13. The Cash Back under this Programme shall not be awarded for the following transactions: a. Insurance; b. Balance Transfer; c. Cash Advance; d. Flexi-Credit Plans; e. Easi Payment Plan purchases; f. Recurring payments, auto-debit transactions and standing instructions; g. 0% Interest-Free Installment Payment Plans; h. Refunded, disputed, unauthorized or fraudulent retail transactions; i. Top-up transactions; j. Government transactions: i. Alimony and child support; ii. Fines by Court, government, state authorities or local authorities; iii. Bail or bond payments; iv. Payment of taxes to government; and v. Payment to any government departments. k. Alimony and child support; l. Utilities bills; m. Charity bodies; n. Bill Payments (subject to Clause 2); o. Petrol transactions; p. Cash and cash-based transactions; q. Telecommunications (subject to Clause 2); r. Payment of annual card membership fees, interest payments, late payment fees, charges for cash withdrawals, goods and services tax and any other form of service/miscellaneous fees using the Card; and s. Such other transactions as UOBM may determine from time to time. 14. Without prejudice to the generality of the foregoing, in the event that the Cash Back under this Programme is awarded to and received by person(s) who has committed or is suspected of committing any fraudulent or wrongful acts in relation to the use of the Card and/or any transaction using the Card, UOBM reserves the right to disqualify such person(s) from earning or using the Cash Back. Allocation of Cash Back 15. The total Cash Back payout is RM 148,000 per month throughout the Programme Period which will be awarded on a first come, first serve basis. UOBM does not have any obligation to inform the Cardmembers should the Cash Back payout reach the maximum payout limit. 16. The crediting of the Cash Back will be reflected in the Cardmembers monthly Statement of Account within two (2) months from the month that the Qualifying Spend was made as shown in Table A below:

Table A: Cash Back Schedule Qualifying Spend Transaction Period Cash Back Credited in the Month of: 1 January 2018 31 January 2018 February 2018 / March 2018 1 February 2018 28 February 2018 March 2018 / April 2018 1 March 2018 31 March 2018 April 2018 / May 2018 1 April 2018 30 April 2018 May 2018 / June 2018 1 May 2018 31 May 2018 June 2018 / July 2018 1 June 2018 30 June 2018 July 2018 / August 2018 1 July 2018 31 July 2018 August 2018/ September 2018 1 August 2018 31 August 2018 September 2018 / October 2018 1 September 2018 30 September 2018 October 2018 / November 2018 1 October 2018 31 October 2018 November 2018 / December 2018 1 November 2018 30 November 2018 December 2018 / January 2019 1 December 2018 31 December 2018 January 2019 / February 2019 17. At the time of crediting of the Cash Back, the Cardmember s Card account(s) must be current, valid, subsisting and in good credit standing as may be determined by UOBM at its sole and absolute discretion and not in breach of these terms and conditions and the UOB Visa/MasterCard Cardmember Agreement ( Cardmember Agreement ). 18. The Qualifying Spend under this Programme shall not be entitled to earn UNIRinggit under the UNIRinggit Rewards Programme. 19. UOBM reserves the right to forfeit the Cash Back in the event where there is a reversal of UtilitiesSpend, Dining Spend & Card on File Spend, cancellation or termination of the Cardmembers Card during the Programme Period or non-compliance or breach of these terms and conditions or the Cardmember Agreement with prior notice without assigning any reason. 20. The Cash Back awarded is non-transferable to any other party and is not exchangeable for cash or other goods, whether in whole or in part. UOBM 0% 3 MONTHS OVERSEAS EPP CAMPAIGN United Overseas Bank (Malaysia) Bhd (271809-K) ( UOBM ) is organizing a UOBM 0% 3 Months Overseas EPP Campaign ( Campaign ) from 1 January 2018 to 31 December 2018 (both dates inclusive) or such other dates as may be determined by UOBM from time to time ( Campaign Period ). Campaign Eligibility 21. This Campaign is open to all principal UOBM Credit Cardmembers ( Cardmembers ) and: a. whose account(s) are current, valid, subsisting and in good credit standing as may be determined by UOBM at its sole and absolute discretion; and b. who are not in breach of the UOBM Visa/MasterCard Cardmember Agreement ( Cardmember Agreement ). 22. The following persons shall not be eligible for the Campaign: a. All UOBM Debit, Corporate, Purchasing and Private Label Cardmembers; b. Cardmembers whose account(s) are terminated, suspended or cancelled within the Campaign Period;

c. Any accounts held with UOBM that are delinquent or unsatisfactorily conducted as determined by UOBM at its sole and absolute discretion; and d. Persons who are or become insane, deceased, adjudicated bankrupt or have legal proceedings of any nature instituted against them. Campaign Mechanics 23. Any spend of at least Ringgit Malaysia Three Thousand (RM3,000.00) per single and/or accumulated receipt(s) made during the Campaign Period using UOBM Credit Card in any foreign currency ( Eligible Spend ) will be eligible to participate in the Campaign. The following transactions shall not be treated as an Eligible Spend: a. Cash Advance; b. Balance Transfer; c. Flexi-Credit Plans; d. Finance Charges; e. Late Charges; f. Annual Fees; g. Split and/or void transactions; h. Reversals or refunds; i. Goods and Services Tax; and j. Such other transactions as UOBM may determine. 24. The Eligible Spend made during the Campaign Period must be captured by the credit card system maintained by UOBM in order to be eligible for participation in the Campaign. 25. Cardmembers who satisfy the Eligible Spend criteria as set out in Clause 21 above is eligible to convert the Eligible Spend to 3 months Easi Payment Plan with 0% upfront interest ( EPP ). 26. Cardmembers can apply for the EPP within sixty (60) days from the date of the Eligible Spend or by 31 December 2018, whichever is earlier, by calling UOBM Call Centre at 03-26128121 ( UOBM Call Centre ). 27. An Eligible Spend is qualified for EPP if such transaction: a. has been debited to the UOBM Credit Card account; and b. has been recorded in the current Statement of Account forming part of the current outstanding balance due; and c. has not passed its payment due date at the time of the application. 28. UOBM can, at its absolute discretion, approve or reject any application for EPP by the Cardmembers without giving any reason for the decision, and/or determine the amount allowed under the EPP, which will subject, amongst others, to: a) the status of the Cardmember s UOBM Credit Card account; and b) the available credit limit of such UOBM Credit Card ( Credit Limit ). 29. Upon approval of the application for the EPP, the corresponding amount of the Cardmember s Credit Limit will be reserved for this purpose, and the available Credit Limit balance will be reduced accordingly. UOBM will not be liable to the Cardmembers for any transactions rejected by any merchants resulting from the insufficiency of the Cardmember s Credit Limit.

30. In relation to the EPP that has been approved, no further interest amount will be charged if the monthly instalment amount is paid in full before the payment due date as stated in the Statement of Account. If not, the applicable fees and charges based on Clause 11 of the Cardmember Agreement will be charged on the outstanding amount accordingly. 31. During the repayment period, the amount will be repaid by way of equal instalments ( the Payment Instalment ). The Payment Instalment will be debited immediately to the UOBM Credit Card account following the approval of the EPP application, and will be reflected in the following month s Statement of Account subsequent to the approval from UOBM, and payable in accordance with the Cardmember Agreement. As each Payment Instalment is repaid, the amount equivalent to the payment made will be restored to the Cardmember s credit limit. 32. The Payment Instalment is calculated based on the sum of the amount converted to be divided by the number of months of the EPP tenure, which is three (3) months. In the event of a default, the entire amount will be payable immediately in accordance with the Cardmember Agreement. 33. The Payment Instalment is included in the computation of the Cardmember s minimum payment due. If the Payment Instalment is not paid in full when due, the unpaid balance of the Payment Instalment will attract interest in accordance with the Cardmember Agreement. 34. The Cardmember can cancel its participation in the Campaign subject to UOBM s receipt of a written notice or verbally communicated to UOBM s Call Centre and a cancellation fee of RM50 (or such other rate as determined by UOBM at its absolute discretion). Such amount shall be debited to the Cardmember s UOBM Credit Card account. 35. The Cardmember can apply for the EPP more than once, subject to the Cardmember s eligibility under the terms and conditions in this document and at UOBM s absolute discretion to approve. 36. If any or a combination of the following occurs, the total outstanding under the EPP will immediately be due and payable, will bear the applicable finance and/or late payment charges (whichever applicable) as per Clause 11 of the Cardmember Agreement, and will be payable in accordance with the Cardmember Agreement: a. there is a breach of these terms and conditions; b. an event of default occurs pursuant to the Cardmember Agreement; c. there is a delay or failure to pay the Payment Instalment or any sum due under the EPP; d. there is a failure to pay any money due and payable to UOBM under any banking/credit facilities; e. there is failure to discharge any obligation or liability owing to UOBM from time to time for any banking/credit facilities; f. the Campaign is terminated for any reasons whatsoever; g. the UOBM Credit Card is terminated or the UOBM Credit Card account is closed for any reason whatsoever prior to full settlement of all amount owing to UOBM under the UOBM Credit Card or h. it becomes impossible or unlawful for UOBM to make available or continue to make available the EPP. The events above will also entitle UOBM to cancel, revoke, suspend or restrict the use of the UOBM Credit Card and to consolidate all outstanding amounts into the principal UOBM Credit Card account (if applicable).

UOBM SMART$ Rebate Programme 37. The Cardmembers are entitled to earn SMART$ on purchases made with the Card at any SMART$ merchant outlets via UOBM terminals at the rate determined between UOBM and the SMART$ merchant. The Cardmembers eligibility to participate in the UOBM SMART$ Rebate Programme is subject to and shall be in accordance with the SMART$ Rebate Programme Terms and Conditions. For the avoidance of doubt, all references to the value of any given transaction with the Card shall be deemed to be a reference to the final amount charged to the Card taking into account the redemption of SMART$ (if any) under the UOBM SMART$ Rebate Programme. General Terms and Conditions 38. By participating in the Programme and/or Campaign, the Cardmembers agree to be bound by the terms and conditions of the respective Programme and/or Campaign, the UOBM SMART$ Rebate Programme terms and conditions and the Cardmember Agreement. In there is any inconsistency between these terms and conditions, the UOBM SMART$ Rebate Programme terms and conditions and the Cardmember Agreement, the terms and conditions of the respective Programme and/or Campaign shall prevail. 39. UOBM shall not be responsible nor shall accept any liabilities of any nature and however arising or suffered by the Cardmembers resulting directly or indirectly by the Cardmembers participation in the respective Programme and/or Campaign unless it arises from UOBM s negligence or wilful misconduct specifically related to the respective Programme and/or Campaign 40. If there is any inconsistency between the terms and conditions of the the respective Programme and/or Campaign and the Cardmember Agreement, these terms and conditions shall prevail for all matters in connection with the respective Programme and/or Campaign. 41. UOBM's decision on all matters relating to the respective Programme and/or Campaign shall be final, conclusive and binding upon all Cardmembers. No appeals and/or correspondence from any Cardmember or any third party will be entertained. 42. UOBM shall not be responsible for any failure or delay in transmission of sales transactions by merchant establishments, postal or telecommunication authorities or any party which may result in the Cardmembers failing to be entitled to the Cash Back and the EPP under the respective Programme and/or Campaign. 43. UOBM reserves the right to add, delete, suspend and/or vary these terms and conditions, from time to time, wholly or in part, at its absolute discretion, by providing twenty one (21) days prior notice to the Cardmembers via posting on UOBM s website, displaying a notice at any of UOBM s branches, a statement insert in the Statement of Account or any other manner as determined by UOBM from time to time. 44. UOBM reserves the right at its absolute discretion to cancel, terminate or suspend the respective Programme and/or Campaign in whole or in part, at any time with prior notice. For the avoidance of doubt, cancellation, termination or suspension by UOBM of the respective Programme and/or Campaign shall not entitle the Cardmember to any claim or compensation against UOBM for any and all losses or damages suffered or incurred by the Cardmember whether as a direct or indirect result of such cancellation, termination or suspension. 45. These terms and conditions shall be governed by and construed in accordance with the laws of Malaysia and the Cardmembers agree to submit to the non-exclusive jurisdiction of the courts of Malaysia.