MAYBANK EZYCASH/EZYCASH-i - TERMS AND …

1 EZYCASH/EZYCASH-i TNC (February 2018) Page 1 MAYBANK EZYCASH/EZYCASH-i - TERMS AND CONDITIONS As used herein, the word "Card" mean all Credit Cards (excluding corporate and purchasing cards) issued by Malayan Banking Berhad ("MBB") and MAYBANK Islamic Berhad (MIB). "Cardmember" means the holder of MBB and/or MIB. The TERMS and conditions herein are to apply in conjunction with the MBB and/or MIB Cardmember Agreement". 1. The EZYCASH/EZYCASH-i Program is open to all existing and new Principal Cardmembers.

2 2. The Cardmember must have MAYBANK individual savings and/or current account with MBB and/or MIB. Cardmember must be a registered Maybank2u user for EZYCASH/EZYCASH-i application via M2u. 3. The EZYCASH/EZYCASH-i allows the Cardmember to draw up to 90% of the available credit limit. The approved amount will be depending on the Cardmember credit limit and available instalment balance. The final amount approved will be based on Bank s credit evaluation.

3 4. The EZYCASH/EZYCASH-i approved amount will be deposited into the Cardmember's MAYBANK individual savings/current account with MBB/MIB. Disbursement of fund into joint savings, joint current account and/or current account with overdraft facility is not allowed. 5. The minimum application amount is RM2, and subsequence amount is in multiple of hundred. The maximum application amount is 90% of Cardmember s available credit limit. 6. The approval or decline of the Cardmember's application will be subject to the Cardmember's available credit limit at the time of application is processed.

4 7. The Cardmember may apply for more than one EZYCASH/EZYCASH-i facility subject to Cardmember s available credit limit. 8. A *one-time cash advance fee/ actual cash withdrawal management charge of of EZYCASH/EZYCASH-i approved amount will be billed to Cardmember s credit card account upon approval of the EZYCASH/EZYCASH-i 6 months plan. 9. RM100 cash advance fee with 6% GST chargeable per approved transaction for EZYCASH/EZYCASH-i other plan (Ezycash 12/18/24/36 months) 10.

5 The fee is non-refundable and will be billed to the credit card account separately. Note: * The Malaysian Goods & Services Tax (GST) will be imposed on all fees/charges charged by the Bank to our cardmembers where applicable effective 1 April 2015 at the current prevailing rate. 11. Cardmember would not receive any Treats Points for EZYCASH/EZYCASH-i program unless stated otherwise. 12. Cardmember to ensure correct information upon applying for EZYCASH/EZYCASH-i : i. The amount of EZYCASH/EZYCASH-i to apply ii.

6 MAYBANK individual savings/current account number is correct. EZYCASH/EZYCASH-i TNC (February 2018) Page 2 13. EZYCASH/EZYCASH-i via online application ( EZYCASH/EZYCASH-i via Maybank2u) will not be available daily from 11:30pm to 6:00 am (Malaysian time). 14. The EZYCASH/EZYCASH-i approved amount shall be paid by the Cardmember within equal monthly instalments with the interest/management rate by the selected plan. Each instalment amount will be billed to the Cardmembers account on the billing date for the month until the full settlement of the instalments.

7 The EZYCASH/EZYCASH-i amount will be reserved with the existing credit card limit for this purpose. The outstanding of instalment amount shall be reduced and restored gradually following the payment of each monthly instalment during the instalment period. 15. In cases where the Cardmember opts to pay the minimum amount of five percent (5%) of the balance remaining unpaid under the Instalment Plan ( the Outstanding Balance ) or Ringgit Malaysia Fifty (RM50), whichever is higher, instead of the Monthly Instalment in full, the Cardmember will be liable for the interest/actual management charges on the Outstanding Balance.

8 16. Failure to comply with paragraphs (15) will result in the Cardmember being subject to interest/late payment charges on the Outstanding Balance in accordance with its TERMS . 17. If the Cardmember fully settle the EZYCASH/EZYCASH-i amount before the expiry of the EzyCash/ EzyCash-i instalment period, there will be no early settlement fee charged. 18. If the Cardmember(s) MBB/MIB credit card account is terminated for any reason whatsoever, the Cardmember shall forthwith settle all balances due under the EZYCASH/EZYCASH-i program upon termination.

9 Otherwise the Prevailing finance charge/late payment charges shall be levied on the outstanding balance comprises of principal outstanding and interest/management charges accrued. 19. By participating with EZYCASH/EZYCASH-i program, cardmember is bind to agree in accessing MAYBANK website at on regular basis to view the TERMS and conditions and kept up-to-date with any changes or variations made to the TERMS and conditions. 20. MBB/ MIB reserves the right to vary, change, amend, delete or add to these TERMS and Conditions wholly or in part by giving 21 days prior notice to the Cardmember.

10 EZYCASH/EZYCASH-i TNC (February 2018) Page 3 MAYBANK EZYCASH/EZYCASH-i TERMA DAN SYARAT Sepertimana yang digunakan di sini, perkataan Kad bermaksud semua Kad Kredit (tidak termasuk Kad Korporat dan Kad Pembelian) yang dikeluarkan oleh Malayan Banking Berhad ("MBB") dan MAYBANK Islamic Berhad (MIB). Ahli Kad merujuk kepada pemegang kad MBB dan/atau MIB. Terma dan syarat di sini adalah tertakluk kepada perjanjian Ahli Kad MBB dan/atau MIB. 1. Program EZYCASH/EZYCASH-i terbuka kepada Pemegang Utama Kad Kredit MAYBANK 2.