Costs and Charges – Bank Cards. Charge card Provider Tax (per card

Costs and Charges – Bank Cards. Charge card Provider Tax (per card

Annual Fee

Visa Infinite P

MasterCard / Visa Classic

MasterCard / Visa Gold

Visa Smart Platinum

MasterCard / Visa Platinum

MasterCard Platinum Business

Visa GSC Platinum

MasterCard INSURANCE Gold

MasterCard INSURANCE Platinum

MasterCard The Shop and Pacific Gold

MasterCard The Shop and Pacific Platinum

*Subject to Government Tax, if applicable

Costs & Fees

Advance loan cost

5% regarding the quantity advanced level or at least of RM20 whichever is greater

i) important just

2% associated with the quantity advanced level or the absolute minimum of RM5 whichever is higher

ii) Platinum Company just

3% regarding the amount advanced level or the very least of RM20 whichever is greater

Card replacement charge (not applicable to i am bank card)

Joining cost (per card) (for i am bank card just)

Belated payment cost

RM10 or 1percent associated with total balance that is outstanding at declaration date whichever is higher, subject to no more than RM100

Paper Statement Fee (per declaration)

Extra paper declaration demand (per statement)

Product sales draft retrieval (per copy) (maybe not applicable to i am charge card)

Yearly processing charge (when it comes to shop and Pacific cards just) no processing that is annual would be charged because of the shop Card Sdn. Bhd. when it comes to first 12 months. The annual processing fee will be charged in accordance with the following membership status: The Store/Pacific Gold (per year) The Store/Pacific Platinum (per year for subsequent years

Re-direction for Hong Leong Rewards Programme andre-delivery charge, a nominal cost will be charged for each and every item distribution following the first unsuccessful distribution effort beneath the Hong Leong Rewards Programme: i) Re-direction charge to various address (per demand) ii) Re-delivery fee to exact same address (per request) iii) instead, Cardholders have the choice of utilizing 2,500 Reward Points (PC:9000) to off-set the re-direction or re-delivery cost respectively

Cheque facility related charges (for Platinum Business card just) i) Cheque guide application/issuance (per leaf) ii) Cheque procesing fee (effective 1 January 2015) (per cheque given) iii) Destruction of uncollected cheque books for over 28 times (per cheque book) iv) came back cheque because of inadequate fund (per cheque) as a result of technical reasons (age.g. alterations) (per cheque) v) Stop repayment Upon request (per cheque) as a result of- lack of cheque book (per instruction) Upon presentation of end cheque:- • If adequate fund (per cheque) • If insufficient fund (per cheque)

i) Early settlement penalty fee

ii) BT One-time Fee:

ii) one year : 5%

Fast Cash Monthly Interest

i) managing cost ii) Early settlement penalty fee

Fast Cash One-Time i that is fee a few months ii) 12 months iii) a couple of years

International transaction Transactions manufactured in currencies except that Ringgit Malaysia (RM)

The deal would be changed into Ringgit Malaysia from the date it really is prepared by VISA or MasterCard Global in the exchange that is foreign based on VISA or MasterCard Overseas. The next fees that are additional be charged regarding the transformation:

i. 1% deal charge charged by VISA or MasterCard Overseas; and

ii. 1% foreign currency transformation mark-up imposed because of the Bank (this mark-up just isn’t relevant to I’m charge card).

For many international ATMs, web sites or merchants, Cardholders can be offered the choice of using the Dynamic Currency Conversion (“DCC”) solution to transform their forex deals into Ringgit Malaysia. But, if DCC is chosen:

i. the foreign currency rate utilized by the merchant when it comes to DCC deal might be greater than the trade rate dependant on VISA or MasterCard Overseas; and

ii. the Cardholder is likely to be charged a 1% deal charge on transformed Ringgit Malaysia quantity, representing fees imposed by VISA or MasterCard Global.

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