RC PDS Jun 2012

Product Disclosure Sheet

Please read this product disclosure sheet before you decide to take out Citibank Ready Credit.

CITIBANK BERHAD (297089 M) Citibank Ready Credit Date: ________________

1. What is this product about?

Citibank Ready Credit is an unsecured personal overdraft with checking facility (“CRC Account”). This product comes with an overdraft line, and any utilisation on the line is subject to an individually assigned interest rate. Under CRC, there are three (3) available instalment plans designed to help you manage your finances better, namely:

i. Citibank Ready Credit Balance Transfer via Instalment Plan (BTI), which allows you to transfer your credit/charge card outstanding balances from other banks to your CRC Account and repay in fixed monthly instalments.

ii. Citibank Ready Credit PayLite (PayLite), by which you can apply to use a portion from the available credit limit under your CRC Account to be disbursed to your choice of current or savings account with Citibank or other banks and repay in fixed monthly instalments.

iii. Citibank Ready Credit Balance Refinancing (BR), which allows you to transfer your unsecured personal loan facilities outstanding balances from other banks to your CRC Account and repay in fixed monthly instalments.

2. What do I get from this product?

(a) Credit limit Up to RM120,000.00. Actual credit limit assigned will vary depending on individual credit assessment. (b) Applicable Rate The Applicable Rate refers to the effective interest rate payable by you in respect of the CRC Account. It will be either the Boarding Rate or the Default Interest Rate depending on the status of your CRC Account, as illustrated below:

i. Boarding Rate Actual Boarding Rate assigned will vary depending on individual credit assessment ranging between 12% to 19% per annum.

ii. Default Interest Rate

5% per annum above the Boarding Rate. The Default Interest Rate is the interest rate that will automatically replace your Boarding Rate as the Applicable Rate when you do not pay 100% of the Total Minimum Payment Due (defined below) over a period of two (2) consecutive months. For details and illustration, please refer to Appendix 1.

In the event the Boarding Rate is superseded by the Default Interest Rate, the Applicable Rate can revert back to the Boarding Rate, provided that the stipulated conditions are met. For details and illustration, please refer to Appendix 1. Interest will accrue daily on each transaction amount from the transaction posting date. (The date a withdrawal is made, the date you swipe your Citibank Ready Credit VISA Debit & ATM card to make purchases, the date when your Citibank Ready Credit cheque is cleared, or the date of fund transfer). It is

RC PDS Jun 2012

calculated by multiplying the Applicable Rate (either Boarding Rate or Default Interest Rate depending on CRC Account status) by the outstanding balance, divided over 365 days in a year. Below is a simple illustration of how daily interest is calculated: Assuming the below for example purposes:

Your Applicable Rate is 19.00% per annum

Your outstanding balance (amount used) is RM3,000

Therefore, daily interest charged for this particular transaction from its posting date will be: 19.00% × RM3,000 × (1/365) = RM1.56 per day Interest charges, and subsequently, the due and payable amounts printed on your monthly statement are only true as of that statement date. Daily interest charges on the outstanding balance are cumulative and will continue to accrue after statement date until the day full payment is received. Once the full outstanding balance has been paid off, the interest charges will no longer be applicable. For the avoidance of any doubt, you will not earn any interest for maintaining any credit balances (deposits) in your CRC Account. Cash transacted from CRC facility will always be utilized first from credit balances until such amounts have depleted thereafter the utilisation will be from the overdraft limit and interest charges will be applicable on the utilized overdraft limit from thereon. (c) CRC VISA Debit & ATM card and CRC Cheque book Upon approval, you will be given a CRC VISA Debit & ATM card and upon request a CRC cheque book* which allows you access to your available credit line through the following ways:

Cash withdrawal from your CRC Account at 24-hour Citibank ATMs, as well as other ATMs connected to VISA PLUS locally and around the world or at over 10,000 MEPS Shared ATMs Nationwide.

Cheque issuance via CRC cheque book.

Fund transfer and bill payments from your CRC Account to any other account through GIRO transfers using Citibank Online (including Citibank Mobile Banking), CitiPhone Banking or traditional over-the-counter banking.

Swipe to pay for purchases by directly debiting from your CRC Account using your CRC VISA Debit & ATM card at outlets connected with VISA terminals.

*Cheque book can only be issued to you upon the bank acquiring your specimen signature for cheque clearance and verification purposes.

For ATM withdrawals in Malaysia, you can withdraw up to RM5,000 per day. At overseas, you can withdraw up to the equivalent of RM5,000 per day or the maximum withdrawal limit of the ATM you use, whichever is lower. All interbank GIRO transfers will be charged RM0.50 per transaction. All fund transfers are subject to a daily limit capping. Citibank reserves the right at its absolute discretion to apply and vary the daily capping on all fund transfer activities from time to time without prior notice. (d) Instalment Plans Available Under Citibank Ready Credit If you apply for BTI and/or PayLite, Citibank reserves its sole and absolute discretion to determine the maximum BTI and/or PayLite amount approved from the available credit limit in your CRC Account, and the remaining available credit can be used for retail purchases, cash withdrawals, transfers, cheque issuance and any other services which Citibank may introduce.

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If you apply for BR, you will receive a separate credit limit and Citibank reserves its sole and absolute discretion to determine the amount approved from this credit limit to be used for BR. The utilised credit amount will not be made available to you for usage upon repayment unless expressly consented upon by Citibank.

i. Citibank Ready Credit Balance Transfer via Instalment Plan (BTI) You can consolidate all your repayment accounts into one easy instalment plan that offers greater savings and better management of your finances. You can now transfer your credit/charge card outstanding balances from other banks to your CRC Account and repay in fixed monthly instalments of up to 48 months.

a) What will be my applicable BTI interest rates?

The Amount Transferred debited to your CRC Account from your credit/charge outstanding balance from other banks is subject to an effective interest rate (ranging between 5.9% to 9.9% per annum) throughout the BTI tenure which you select, i.e. either 6, 12, 18, 24, 30, 36 or 48 months, which will be calculated from the date of approval on a monthly reducing balance repayment method. For the avoidance of any doubt, Citibank reserves the right to vary the interest rates from time to time. If there are any changes to the interest rates after the approval of your BTI, you will be charged with the chargeable interest rate locked in as at the date of approval.

Below is an illustration of the monthly repayment calculation:

Example

Amount Outstanding is in the sum of RM1,000 and the CRC Account holder chooses a 12-month

tenure BTI Plan with a corresponding BTI Effective Interest Rate of 9.9% per annum for 12 months

charged. Therefore, under this Instalment plan, the BTI Monthly Instalment payable over the 12

months will be RM87.87 and the total repayment amount at the end of 12 months is RM1,054.44.

A simple illustration on the monthly principal deduction as well as interest charged is as follows:-

Month Outstanding Principal

(Beginning) (RM)

BTI Monthly Instalment

(RM)

BTI Interest

(RM)

Principal Deduction

(RM)

Outstanding Principal (Ending)

(RM)

0 - - - - 1,000.00

1 1,000.00 87.87 8.25 79.62 920.38

2 920.38 87.87 7.59 80.28 840.10

3 840.10 87.87 6.93 80.94 759.17 4 759.17 87.87 6.26 81.61 677.56

5 677.56 87.87 5.59 82.28 595.28

6 595.28 87.87 4.91 82.96 512.32

7 512.32 87.87 4.23 83.64 428.68

8 428.68 87.87 3.54 84.33 344.35

9 344.35 87.87 2.84 85.03 259.32

10 259.32 87.87 2.14 85.73 173.59

11 173.59 87.87 1.43 86.44 87.15

12 87.15 87.87 0.72 87.15 0.00

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b) How will my BTI monthly instalment billed?

During the BTI Tenure, the Amount Transferred together with BTI Interest will be billed by way of

equal monthly instalments.

Depending on when the BTI is approved, BTI Interest for the first BTI Monthly Instalment will be

pro-rated according to the number of days from the approval date of the BTI to the date of the

next CRC statement at month end and after that, BTI Interest for each and every subsequent

month will be computed from the date of the CRC statement to the date of the next CRC

statement.

c) What is the minimum and maximum transfer amount for BTI?

The aggregate minimum transfer amount is RM1,000 and the maximum transfer amount will be

determined by Citibank at its sole and absolute discretion.

d) When will BTI take effect?

If the application is approved, the BTI will take effect within 14 days from Citibank’s receipt of

required and relevant documents from you. However Citibank may delay or refuse such approval

without furnishing any reasons. Final approval pertaining to your application for BTI is subject to

the absolute discretion of Citibank. Citibank will not be liable for any finance charges incurred by

you from other banks caused by any delay or failure by Citibank in paying your outstanding

balance due and owing to them.

e) Am I entitled to reward points and cash rebates?

No.

ii. Citibank Ready Credit PayLite PayLite is an instalment feature within the CRC Account. You can apply to use a portion from the available credit limit under your CRC Account which will be disbursed to your choice of current or savings account with Citibank or other banks, and repay in fixed monthly instalments of up to 48 months.

a) What will be my applicable PayLite interest rates?

The PayLite Amount debited to your choice of current or savings account is subject to an effective interest rate (ranging between 5.9% to 17.9% per annum) throughout the PayLite tenure which you may select i.e. either 6, 12, 18, 24, 30, 36 or 48 months, which will be calculated from the date of approval and will be computed based on a monthly reducing balance repayment method. For the avoidance of any doubt, Citibank reserves the right to vary the interest rates from time to time. If there are any changes to the interest rates after the approval of your PayLite, you will be charged with the chargeable interest rate locked in as at the date of approval.

Below is an illustration of the monthly repayment calculation:

Example PayLite amount is in the sum of RM1,000 and the CRC Account holder chooses a 12-month tenure

PayLite Plan with a corresponding PayLite Effective Interest Rate of 14% per annum for 12 months

charged. Therefore, under this Instalment plan, the PayLite Monthly Instalment payable over 12

months will be RM89.79 and the total repayment amount at the end of 12 months is RM1077.45.

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A simple illustration on the monthly principal deduction as well as interest charged is as follows:-

b) How is my PayLite monthly instalment billed?

During the PayLite Tenure, the PayLite Amount together with PayLite Interest will be billed by

way of equal monthly instalments.

Depending on when the PayLite is approved, PayLite Interest for the first PayLite Monthly

Instalment will be pro-rated according to the number of days from the approval date of the

PayLite to the date of the next CRC statement at month end and after that, PayLite Interest for

each and every subsequent month will be computed from the date of the CRC statement to the

date of the next CRC statement.

c) What is the minimum and maximum transfer amount for PayLite?

The minimum transfer amount is RM1,000 and the maximum transfer amount will be

determined by Citibank at its sole and absolute discretion.

d) When will PayLite take effect?

If the application is approved, the PayLite will take effect within 14 days from Citibank’s receipt

of required and relevant documents from you. However Citibank may delay or refuse such

approval without furnishing any reasons. Final approval pertaining to your application for PayLite

is subject to the absolute discretion of Citibank.

e) Am I entitled to reward points and cash rebates?

No.

iii. Citibank Ready Credit Balance Refinancing

Balance Refinancing allows you to consolidate your unsecured personal loan facilities from other

banks into one easy instalment plan under your CRC account which is designed to offer you

Month Outstanding Principal

(Beginning) (RM)

PayLite Monthly

Instalment (RM)

PayLite Interest

(RM)

Principal Deduction

(RM)

Outstanding Principal

(Ending) (RM)

0 - - - - 1,000.00

1 1,000.00 89.79 11.67 78.12 921.88

2 921.88 89.79 10.76 79.03 842.85

3 842.85 89.79 9.83 79.95 762.89

4 762.89 89.79 8.90 80.89 682.01

5 682.01 89.79 7.96 81.83 600.18

6 600.18 89.79 7.00 82.79 517.39

7 517.39 89.79 6.04 83.75 433.64

8 433.64 89.79 5.06 84.73 348.91

9 348.91 89.79 4.07 85.72 263.20

10 263.20 89.79 3.07 86.72 176.48

11 176.48 89.79 2.06 87.73 88.75

12 88.75 89.79 1.04 88.75 0.00

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flexibility and better management of your finances, payable by way of fixed monthly instalments

of up to 60 months.

a) What will be my applicable BR interest rates? The amount transferred will be debited to your CRC account and is subject to an effective interest rate (ranging between 9.9% to 18% per annum) throughout the BR tenure which you select, i.e. either 24, 36, 48 or 60 months, which will be calculated from the date of approval on a monthly reducing balance method. For the avoidance of any doubt, Citibank reserves the right to vary the interest rates from time to time. If there are any changes to the interest rates after the approval of your amount transferred for BR, you will be charged with the chargeable interest rate locked-in as at the date of approval of the amount transferred.

Below is an illustration of the monthly repayment calculation:

Example

Amount Outstanding is in the sum of RM15,000 and the CRC Account holder chooses a 24-month

tenure BR Plan with a corresponding BR Effective Interest Rate of 14% per annum for 24 months

charged. Therefore, under this Instalment plan, the BR Monthly Instalment payable over 24

months will be RM 720.19 and the total repayment amount at the end of 24 months is

RM17,284.56.

A simple illustration on the monthly principal deduction as well as interest charged is as follows:-

Month Outstanding Principal

(Beginning) (RM)

BR Monthly Instalment

(RM)

BR Interest (RM)

Principal Deduction

(RM)

Outstanding Principal (Ending)

(RM)

0 - - - - 15,000.00

1 15,000.00 720.19 175.00 545.19 14,454.81 2 14,454.81 720.19 168.64 551.55 13,903.25

3 13,903.25 720.19 162.20 557.99 13,345.26

4 13,345.26 720.19 155.69 564.50 12,780.77

5 12,780.77 720.19 149.11 571.08 12,209.68

6 12,209.68 720.19 142.45 577.75 11,631.93

7 11,631.93 720.19 135.71 584.49 11,047.45

8 11,047.45 720.19 128.89 591.31 10,456.14

9 10,456.14 720.19 121.99 598.20 9,857.94

10 9,857.94 720.19 115.01 605.18 9,252.75

11 9,252.75 720.19 107.95 612.24 8,640.51

12 8,640.51 720.19 100.81 619.39 8,021.12

13 8,021.12 720.19 93.58 626.61 7,394.51

14 7,394.51 720.19 86.27 633.92 6,760.58

15 6,760.58 720.19 78.87 641.32 6,119.26

16 6,119.26 720.19 71.39 648.80 5,470.46

17 5,470.46 720.19 63.82 656.37 4,814.09

18 4,814.09 720.19 56.16 664.03 4,150.06

19 4,150.06 720.19 48.42 671.78 3,978.28 20 3,978.28 720.19 40.58 679.61 2,798.67

21 2,798.67 720.19 32.65 687.54 2,111.13

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b) How will my BR monthly instalment be billed?

During the BR Tenure, the Amount Transferred together with BR Interest will be billed by way of

equal monthly instalments.

Depending on when BR is approved, BR Interest for the first BR Monthly instalment will be pro-

rated according to the number of days from the approval date of BR to the date of the next CRC

statement at month end and after that, BR Interest for each and every subsequent month will be

computed from the date of the CRC statement to the date of the next CRC statement.

c) What is the minimum and maximum transfer amount for BR?

The aggregate minimum transfer amount is RM10,000 and the maximum transfer amount will be

determined by Citibank at its sole and absolute discretion.

For the avoidance of any doubt, Citibank has the sole and absolute discretion, depending on individual credit assessment, to approve the whole or part of the outstanding balances to be transferred in accordance to the order of priority as stated in the application form.

d) When will BR take effect?

If the application is approved, the BR will take effect within 30 days from Citibank’s receipt of

required and relevant documents from you. However Citibank may delay or refuse such approval

without furnishing any reasons. Final approval pertaining to your application for BR is subject to

the absolute discretion of Citibank. Citibank will not be liable for any finance charges incurred by

you from other banks caused by any delay or failure by Citibank in paying your outstanding

balance due and owing to them. You are responsible for the full settlement of any unsecured

personal loan facilities with the other banks, failure of which could cause the entire sums owing

under the BR to become immediately due and payable by you.

e) Am I entitled to reward points and cash rebates?

No.

3. What are my obligations?

(a) Monthly Minimum Payment You can choose to pay us the monthly outstanding balance in full or the TOTAL MINIMUM PAYMENT DUE each month, as illustrated below:

Revolving Balance Minimum Payment Due for the month

RM0 to RM60 Full revolving balance + Monthly Instalments*

RM60 to RM1,500 RM60 + Monthly Instalments*

Above RM1,500 4% of revolving balance + Monthly Instalments*

22 2,111.13 720.19 24.63 695.56 1,415.57

23 1,415.57 720.19 16.51 703.68 711.89

24 711.89 720.19 8.31 711.89 0.00

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*If you have signed-up for BTI, BR and/or PayLite, the BTI, BR and/or PayLite Monthly Instalments will be billed over and above the Minimum Payment Due on the total revolving balance.

You must also pay any overdue amount and any amount exceeding your credit line (overlimit). Your monthly statement of account will indicate all these amounts. Total Minimum Payment Due = Minimum Payment Due + Overdue amount (if any) + Overlimit (if any) Upon usage of your credit line, the Payment Due Date is 21 days from the date the monthly statement of account is issued (statement date). You must pay the Total Minimum Payment Due each month on or before the Payment Due Date. (b) Overlimit

You must not carry out any transactions that would result in the CRC outstanding balance (which includes all amounts due and payable or which may become due and payable to us) exceeding your assigned credit limit of your CRC account, failing which we may terminate your CRC account, restrict or limit your credit and/or reject or refuse to permit any transactions in your CRC account.

4. What are the fees and charges I have to pay?

(a) New CRC VISA Debit & ATM card Fee A new CRC VISA Debit & ATM card costs RM 8.00.

(b) Other relevant fees and charges:

No Fees and charges Details

1 New cheque book RM7.50 per cheque book of 50 leaves

2 Card replacement fee RM8.00 for replacement of lost/damaged CRC VISA Debit & ATM

3 Stop payment instruction RM10 per instruction if sufficient fund RM100 per instruction if insufficient fund

4 Dishonoured cheque (due to insufficient funds)

RM100 per dishonoured cheque

5 Interbank GIRO outgoing transaction fee

RM0.50 per transaction

6 Overseas transaction fee (CRC VISA Debit & ATM card transactions only)

1% on local currency equivalent of overseas transacted amount

7 ICC network fee RM10 for every successful withdrawal overseas at non Citibank ATM

8 Inward returned cheque RM1.70 postage

9 MEPS Shared ATM withdrawal charges

RM4 is charged for every successful transactions at MEPS Shared ATMs nationwide

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10 Cheque book delivery fee RM2.50 postage

11 Citibank Ready Credit – Early Termination Fee

RM200 or 3% of the outstanding balance in CRC account, whichever is higher, will be imposed if termination of CRC account is performed within 12 months from the date of Welcome Letter.

12 Balance Transfer via Instalment Plan (BTI) – Early Settlement Fee

RM 100 early settlement fee will be imposed on each BTI if cancellation is performed before reaching half of the BTI tenure committed

5. What if I fail to fulfill my obligations?

(a) Late Payment Charge Late payment means your Total Minimum Payment Due is made later than the Payment Due Date each month. Insufficient payment means your payment is lower than the required Total Minimum Payment Due amount. For each late payment or insufficient payment, you shall pay a charge of 1% per annum on the amount overdue, accruing on a daily basis from the next day after the Payment Due Date.

i. Withdrawal/Termination of the CRC account We may withdraw or terminate the CRC account with notice to you, in which event the whole outstanding balance on the CRC account will become immediately due and payable to us.

ii. Right to set-off

We have the right to set-off any credit balance in any of your account or accounts maintained with us against any outstanding balance in your CRC account or vice versa, with notice to you.

iii. Right to recall other facilities

We are entitled to recall or withdraw all or any other loans and/or credit facilities that you have with us in the event of default in payment of the Total Minimum Payment Due and/or CRC outstanding balance or breach under the CRC Customer’s Terms and Conditions.

(b) Citibank Ready Credit Balance Transfer via Instalment Plan (BTI)/Citibank Ready Credit PayLite

(PayLite) / Citibank Ready Credit Balance Refinancing (BR) Your delay or failure to pay any monthly instalments in full by payment due date as in your monthly statement will be deemed as a default and the monthly instalment or part of it which is outstanding will incur finance charges. In the event there are three (3) or more consecutive defaults, all monies due and owing under the BTI, BR and/or PayLite, comprising of the total outstanding monthly instalments due and the total unbilled principal together with finance charges will be included in the outstanding balance of your CRC Account. In such an event, Citibank is entitled to declare all or part of the outstanding balance in your CRC Account to be immediately due and payable by you.

6. What if I cancel or terminate my CRC account within 12 months from the date of approval of my CRC account?

You will be charged a fee of RM200 or 3% of the outstanding balance in your CRC account, whichever is higher, if you terminate your CRC account within 12 months from the date of the Welcome Letter. No termination fee will be charged if the CRC Account is terminated by us. To cancel your CRC account, you must notify us in writing and give us no less than 30 days notification.

7. What are the major risks?

(a) Meeting loan obligations If you have problems in meeting your loan obligations, contact us early to discuss repayment alternatives.

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(b) Effect of paying only the Total Minimum Payment due every month;

If you pay only the Total Minimum Payment due every month, the outstanding balance under your CRC account will keep accruing interest daily at the Applicable Rate until you pay the total outstanding in full.

(c) Loss/Theft of CRC VISA ATM & Debit Card or CRC cheque book

If any CRC cheque, cheque book and/or VISA ATM & Debit Card is lost, stolen, mislaid or used by any other person or your VISA ATM& Debit Card Personal Identification Number (“PIN”) and/or telephone PIN is disclosed to any other person, you must immediately notify us in writing or via telephone. You shall remain liable for all losses unless and until we receive such notification whereupon we are entitled not to honour any such lost cheque or effect any transaction relating to the lost or stolen VISA ATM& Debit Card. You will also need to pay RM8.00 for replacement card and RM7.50 for replacement of cheque book, together with RM2.50 postage fee for cheque book.

8. Do I need a guarantor or collateral?

No.

9. What do I need to do if there are changes to my contact details?

It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner. Please contact us at 03-23830000 to change your contact details. Alternatively, you can change your contact details by visiting us in any Citibank branches nationwide, or log on to Citibank Online.

10. Where can I get assistance and redress?

If you have difficulties in making repayments, you should contact us as early as possible at: Citibank Berhad Menara Citibank 165, Jalan Ampang, 50450 Kuala Lumpur Tel: 03-23830000 Alternatively, you may seek the services of Agensi Kaunseling Dan Pengurusan Kredit (AKPK) (Credit Counseling and Debt Management Agency), an agency established by Bank Negara Malaysia (BNM) to provide free services on money management, credit counselling, financial education, debt restructuring for individuals. In addition, BNM has introduced POWER! Pengurusan Wang Ringgit Anda programme. This programme provides useful information to encourage prudent money management and financial discipline. For more information or to register for the programme, log on to www.akpk.org.my or call 1800 88 2575. If you wish to complain on the products or services provided by us, you may contact us at: Citibank Berhad (Ref: Privacy) P.O. Box 11725 50754 Kuala Lumpur Tel: 03-2383 0000 If your query or complaint is not satisfactorily resolved by us, you may contact Bank Negara Malaysia LINK or TELELINK at: Block D, Bank Negara Malaysia Jalan Dato’ Onn

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50480 Kuala Lumpur Tel : 1-300-88-5465 Fax : 03-2174 1515 E-mail : bnmtelelink@bnm.gov.my

11. Where can I get further information?

Should you require additional information pertaining to Citibank Ready Credit, Citibank Ready Credit Balance Transfer via Instalment Plan (BTI), Citibank Ready Credit PayLite (PayLite) or Citibank Ready Credit Balance Refinancing (BR), please contact us at: Citibank Sales Center Menara Citibank 165, Jalan Ampang, 50450 Kuala Lumpur. Tel: 03-23837488 Website: www.citibank.com.my

12. Other products available

You can choose to sign up for Citibank credit cards, subject to individual credit evaluation and approval. IMPORTANT NOTE: LEGAL ACTION MAY BE TAKEN AGAINST YOU IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR CITIBANK READY CREDIT ACCOUNT. The information provided in this disclosure sheet is valid as at …./…./…. .This disclosure sheet contains indicative terms and conditions as of …./…./….. The indicative terms and conditions set forth herein is provided at your request and is intended to be used for information and for discussion purposes only and are subject to the final expression of the terms of the transaction in the Welcome Letter.

The complete Terms and Conditions governing Citibank Ready Credit can be found at www.citibank.com.my and will be provided upon request at all Citibank branches nationwide. For further information, please call CitiPhone at 03-2383 0000 (Kuala Lumpur), 04-296 0000 (Penang), or 07-268 0000 (Johor Bahru), or 1800 82 1010 (Sabah & Sarawak).

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Appendix 1 – Interest Rate

(a) The Applicable Rate will be one of the following rates, each of which is set out in the Welcome Letter.

i. The “Boarding Rate” is the interest rate payable by you to us in respect of the CRC Account as stated in the Welcome Letter.

ii. The “Default Interest Rate” is the interest rate payable by you to us, which will automatically supersede the Boarding Rate, when you do not pay 100% of the Monthly Minimum Payment stated in your CRC statement, after two months have lapsed since the statement date.

Diagram to illustrate Default Interest Rate:-

March 2010

Statement:

Mar 2010 Statement:

Minimum Payment

Due Date

(A)

31st March 2010

21st April 2010

30th April 2010

April 2010

Statement:

April 2010 Statement:

Minimum Payment

Due Date

21st May 2010

(B)

31st May 2010

May 2010

Statement:

May 2010 Statement:

Minimum Payment

Due Date

21st June 2010

Boarding Rate Default Interest Rate1st June

2010

31st May

2010

31st March

2010

For Illustration purpose, assuming that your statement date for March 2010 statement is at Point (A) - 31

st March 2010 and your statement date for May 2010 statement is at

Point (B) – 31st

May 2010. If we do not receive in cleared funds 100% of the Minimum Payment for your March 2010 statement before the end of Business Day at Point (B) – 31

st May 2010 (or if Point (B) is not a Business Day, then on the Business Day

immediately preceding Point (B)), which is 2 months after the March 2010 statement date, then the Default Interest Rate will automatically apply and supersede the Boarding Rate as the Applicable Rate for the CRC Account.

The Default Interest Rate will be effective 1 day after Point B, which is 1st June 2010. The Default Interest Rate will be applicable to all your subsequent CRC transactions from 1

st

June 2010 onwards. The Default Interest Rate will also be applicable to all your CRC outstanding balance as at Point (B).

Once the Default Interest Rate is applicable, you can revert back to Boarding Rate if you pay 100% of the Minimum Payment of a CRC statement in cleared funds on or before

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the following month’s CRC statement date, for a consecutive period of at least six months following the imposition of the Default Interest Rate.

Diagram to illustrate Default Interest Rate reverting back to Boarding Rate:-

For Illustration purpose, assuming that the Default Interest Rate is imposed effective from 1st June 2010. If you pay 100% of the Minimum Payment in cleared funds on or before the following month’s CRC statement date for your next 6 consecutive CRC statements following the imposition of the Default Interest Rate ie. Point (B) CRC statement Minimum Payment fully paid on or before point (C), Point (C) CRC statement Minimum Payment fully paid on or before Point (D), Point (D) CRC statement Minimum Payment fully paid on or before Point (E), Point (E) CRC statement Minimum Payment fully paid on or before Point (F), Point (F) CRC statement Minimum Payment fully paid on or before Point (G) and Point (G) CRC statement Minimum Payment fully paid on or before Point (H), then the Boarding Rate will automatically apply and supersede the Default Interest Rate as the Applicable Rate for the CRC Account . The Boarding Rate will be effective 1 day after Point H, which is 1

st December 2010. The

Boarding Rate will be applicable to all your subsequent CRC transactions from 1st

December 2010 onwards. The Boarding Rate will also be applicable to all your CRC outstanding balance as at Point (H).

We are entitled at our absolute discretion, to vary the Applicable Rates (including the interest rates and/or mechanism) at any time and from time to time after giving you notice and the same shall be conclusive and binding on you.

May 2010

Statement:

(B)

31st May 2010

(C)

30th June 2010

(D)

31st July 2010

July 2010

Statement:

(F)

30th September 2010

September 2010

Statement:

October 2010

Statement

(G)

31st October 2010

Default Interest Rate Boarding Rate1st

December

2010

30th

November

2010

1st June

2010

August 2010

Statement:

(E)

31st August 2010

June 2010

Statement:

(H)

30th November 2010

November 2010

Statement: