Balance Transfer Flexi 0% for 6-Month Plan (TRF203) Terms and Conditions. Pelan Pemindahan Baki Flexi 0% untuk 6 Bulan (TRF203) Terma dan Syarat

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1 Balance Transfer Flexi 0% for 6-Month Plan (TRF203) Terms and Conditions Pelan Pemindahan Baki Flexi 0% untuk 6 Bulan (TRF203) Terma dan Syarat Alliance Bank Malaysia Berhad (88103-W)

2 Balance Transfer Terms & Conditions (TRF203) 1. Holder of all New-to-Bank Alliance Bank Malaysia Berhad ( ABMB ) Principal Credit card ( NTB Cardmembers ) may apply to transfer outstanding amount balances (including principal, accrued interest, finance, and other charges as shown in the latest Credit card statements) ( Outstanding Balances ) from other banks credit card accounts relating to any other Credit card(s) held by them (except ABMB credit card) ( Other Card Account ) to any ABMB credit card account held in their name ( ABMB Card Account ). 2. This Balance Transfer Flexi 0% for 6 months Plan ( BT Flexi Plan ) is offered for eligible NTB Cardmembers holding an ABMB branded You:nique, Gold, Platinum, Visa Infinite and personal liability Business credit card(s) and/or an ABMB co-branded Gold and Platinum credit card(s) who satisfy the following criteria ( Eligible Cardmember ): i. Cardmember(s) not holding a valid Principal credit card issued by ABMB; ii. Cardmember(s) who have cancelled his/her principal credit card issued by ABMB more than six (6) months before the Eligible Card approval date and his/her new application for the Eligible Card thereof must be approved from 18 July 2016 until 31 October 2016 ( Principal Card Approval Date ). 3. The minimum transfer amount for this BT Flexi Plan is RM5,000. All transfer amounts should be in multiple of hundreds and up to a maximum 80% of total available credit limit; subject to a maximum of RM40,000 only. 4. Campaign period for BT Flexi Plan starts from 18 July 2016 until 31 October 2016, both dates inclusive ( Campaign Period ) unless otherwise notified. Each Eligible Cardmember will be eligible for one (1) approved BT Flexi Plan only and application must be submitted within thirty (30) calendar days from the Eligible Card account open date. 5. The duly signed and dated Balance Transfer application form must be submitted together with the latest photocopy of Credit card statements of other banks credit card accounts upon request by Credit Processing unit. 6. The BT Flexi Plan will be valid from the posting date ( Date of Posting ) for a period of six (6) months (the Promotional Period ). At the expiry of the Promotional Period, the normal finance charge at 18% per annum will be charged to any Outstanding Balances until full settlement. 7. Every RM10,000 transferred is entitle to earn five hundred (500) Timeless Bonus Points (TBP). 8. All applications are subject to the Bank s prior approval and the Terms and Conditions herein. The Bank reserves the right to approve or reject any application and determine the Outstanding Balances allowed to be transferred (the Approved Balance ) at its absolute discretion. 9. The payment to Other Card Account will be effected within five (5) working days from the approval date of the Eligible Cardmember s BT Flexi Plan application. However the Bank may defer or refuse the process of effecting balance transfer under certain circumstances which includes, but not limited to the following: i. Circumstances beyond the Bank s control; ii. Where the balance transfer cannot be affected due to security reasons. The Bank shall not be liable to the Eligible Cardmember if it defers or fails to effect the balance transfer pursuant to above clause.

3 10. Once a specified amount of the Outstanding Balances to be transferred has been approved, a corresponding amount of the Eligible Cardmember s existing Eligible Card limit will be retained for this purpose and shall not be available to the eligible Cardmember until settlement of the Approved Balance. On the Date of Posting, this specified amount will then be utilised and finance charge for Bt Flexi Plan will commence thereon. The Bank shall not be liable to the Eligible Cardmember for any transactions rejected by merchants due to unavailability of the amounts retained pursuant to this clause. 11. Prior to notification of approval for the BT Flexi Plan, the Eligible Cardmember shall continue to be liable to make payment to their Other Card Account in accordance with the terms governing the same. The Eligible Cardmember shall be directly liable for interest on any overdue payment, including but not limited to any other finance or other charges incurred as a result of the Eligible Cardmember s and/or the Bank s failure or delay in making payment before or after the Bank s approval of the Eligible Cardmember s application for the BT Flexi Plan. 12. For the BT Flexi Plan, the eligible Cardmember shall make a minimum of 5% of the outstanding balance transfer amount, or RM50 whichever is higher due on the payment due date as specified in the statement for payment. 13. For the BT Flexi Plan, if the Eligible Cardmember fails to pay the minimum payment on the payment due date as specified in the credit card statement for payment, then the finance charge for BT Flexi Plan will be retracted and the prevailing finance charge of 18% per annum shall be levied on the outstanding balance from the due date until the date of full settlement. 14. If the Eligible Cardmember fails to pay the Minimum Payment Due by the Payment Due Date, a Late Payment Charge of 1% on the Current Balance or RM10, whichever is higher (subject to a maximum of RM100) will be levied until full settlement thereof. 15. No Exit Fee ( Exit Fee ) will be charged if the Eligible Cardmember terminates and/or discontinues with the BT Flexi Plan within the Promotional Period. Upon early termination or in the event Eligible Cardmember cancels the Eligible Card, the total outstanding principal balance will immediately become due. The prevailing finance charge of 18% per annum shall be levied on the total outstanding principal balance from the due date until the date of full settlement. 16. In the event of default, all monies due and total outstanding balance and unbilled amount under the Balance Transfer account with applicable finance charge will be immediately due and payable by Eligible Cardmember. 17. The Terms & Conditions herein are in addition to and without prejudice to the Terms & Conditions stated in the ABMB VISA/MasterCard Card Agreement ( Card Agreement ). 18. Eligible Cardmember confirm that none of their spouse(s), parents, children, brothers, sisters, their spouses and/or their financial dependants and/or their agents and guarantors are in the employment of ABMB or its subsidiaries or are related to a director, officer or employee of ABMB or its subsidiaries. Eligible Cardmember undertakes to inform ABMB immediately if any such relationship is established/ intended to be established. 19. The Terms & Conditions herein shall be governed by and be construed in accordance with the laws of Malaysia.

4 Terma dan Syarat Pemindahan Baki (TRF203) 1. Semua Ahli Kad Kredit Utama Alliance Bank ( ABMB ) yang Baru Kepada Bank ( Ahli Kad BKB ) boleh memohon untuk memindahkan baki belum jelas (termasuk caj pokok, faedah terakru, kewangan dan caj lain seperti ditunjukkan dalam penyata Kad Kredit terkini) ( Baki Belum Jelas ) dari akaun kad kredit bank lain berkaitan dengan mana-mana Kad Kredit lain yang dipegang (kecuali Kad Kredit ABMB) ( Akaun Kad Lain ) ke mana- mana akaun Kad Kredit Alliance Bank yang dipegang atas nama mereka ( Akaun Kad ABMB ). 2. Pelan Pemindahan Baki Flexi 0% untuk 6 Bulan ( Pelan PB Flexi ) ini hanya ditawarkan untuk Ahli Kad BKB yang memegang kad kredit ABMB berjenama You:nique, Emas, Plaktinum, Visa Infinite dan Kad Kredit Perniagaan dengan liability individu dan/atau kad kredit Emas dan Plaktinum ko-jenama, yang memenuhi kriteria-kriteria berikut ( Ahli Kad yang layak ): i. Ahli kad tidak memegang kad kredit utama yang dikeluarkan oleh ABMB; ii. Ahli kad yang sudah membatalkan kad kredit utamanya yang diisukan oleh ABMB lebih daripada enam (6) bulan sebelum tarikh kelulusan kad layak yang baru dan permohonan kad layaknya mesti yang diluluskan dari 18hb Julai 2016 sehingga 31hb Oktober 2016( Tairkh kelulusan kad utama ). 3. Jumlah pemindahan minima bagi Pelan PB Flexi ini ialah RM5,000. Semua jumlah pemindahan hendaklah dalam gandaan seratus dan sehingga maksima 80% daripada baki had kredit Ahli Kad, tertakluk kepada maksima sehingga RM40,000 sahaja. 4. Tempoh kempen untuk Pelan PB Flexi bermula dari 18hb Julai 2016 sehingga 31hb Oktober 2016, kedua-dua tarikh tersebut ( Tempoh Kempen ) kecuali dinyatakan sebaliknya. Setiap Ahli Kad yang layak adalah layak untuk satu (1) kelulusan Pelan PB Flexi sahaja dan permohonan tersebut mesti dikemukakan dalam tempoh tiga puluh (30) hari dari tarikh pembukaan akaun Kad yang layak. 5. Borang permohonan Pemindahan Baki mesti ditandatangani dan bertarikh dan dilampirkan bersama salinan fotokopi penyata Kad Kredit bank lain apabila diminta oleh unit pemprosesan kredit. 6. Pelan PB Flexi akan sah dari tarikh pengeposan ( Tarikh Pengeposan ) untuk tempoh enam (6) bulan ( Tempoh Promosi ). Pada tamat Tempoh Promosi, caj kewangan biasa pada 18% setahun akan dikenakan ke atas sebarang Baki Belum Jelas sehingga bayaran penyelesaian penuh dibuat. 7. Setiap RM10,000 yang dipindahkan akan mendapat ganjaran sebanyak lima ratus (500) Mata Bonus Timeless (TBP). 8. Kesemua permohonan adalah tertakluk kepada kelulusan Bank terlebih dahulu serta Terma dan Syarat ini. Pihak Bank berhak meluluskan atau menolak sebarang permohonan dan menentukan Baki Belum Jelas yang boleh dipindahkan ( Baki yang Diluluskan ) atas budi bicaranya yang mutlak.

5 9. Bayaran ke Akaun Kad lain akan dibuat dalam tempoh lima (5) hari kerja dari tarikh permohonan Ahli Kad yang layak diluluskan. Walau bagaimanapun, Bank mungkin menangguh atau menolak proses menguatkuasa Pelan Pemindahan Baki dalam keadaan tertentu termasuk, tetapi tidak terhad kepada yang berikut: i. Keadaan di luar kawalan pihak Bank; ii. Apabila Pelan Pemindahan Baki tidak dapat dikuatkuasakan atas sebab keselamatan. Pihak Bank tidak bertanggungjawab kepada Ahli Kad yang layak jika ia menangguh atau tidak dapat menguatkuasa Pelan Permindahan Baki di bawah fasal ini. 10. Apabila amaun Baki Belum Jelas yang ditentukan untuk pindahan telah diluluskan, amaun yang sama daripada had Kad Kredit Ahli Kad yang layak akan ditahan bagi tujuan ini dan tidak akan dapat digunakan oleh Ahli Kad yang layak sehingga Baki yang Diluluskan dibayar penuh. Pada Tarikh Catatan, amaun yang ditetapkan ini akan digunakan dan caj kewangan akan mula dikenakan ke atasnya. Pihak Bank tidak akan bertanggungjawab kepada Ahli Kad yang layak bagi sebarang urusniaga yang ditolak oleh peniaga disebabkan ketiadaan amaun yang ditahan di bawah had kredit Ahli Kad yang layak. 11. Sehingga pemberitahuan kelulusan diterima, Ahli Kad yang layak hendaklah terus bertanggungjawab membuat pembayaran ke Akaun Kad lain mengikut terma yang menentukannya. Ahli Kad yang layak hendaklah bertanggungjawab secara langsung terhadap faedah atas sebarang bayaran yang dibayar lewat atau sebarang caj kewangan atau caj lain yang ditanggung akibat kegagalan atau kelewatan Ahli Kad yang layak dan/atau pihak Bank dalam membuat pembayaran sebelum atau selepas pihak Bank meluluskan permohonan Ahli Kad yang layak untuk pindahan baki. 12. Untuk Pelan PB Flexi, Ahli Kad yang layak perlu membuat bayaran minimum sebanyak 5% daripada jumlah pindahan baki yang tertunggak atau RM50, mengikut yang mana lebih tinggi yang perlu dibayar pada tarikh bayaran perlu dibuat sebagaimana ditetapkan dalam penyata bayaran Kad Kredit. 13. Untuk Pelan PB Flexi, jika Ahli Kad yang layak gagal membuat bayaran minimum pada tarikh bayaran yang dinyatakan dalam penyata bayaran Kad Kredit, maka kadar faedah istimewa akan ditarik balik dan caj kewangan sebanyak 18% setahun akan dikenakan keatas baki belum jelas dari tarikh bayaran perlu dibuat sehingga tarikh penyelesaian penuh. 14. Sekiranya Ahli Kad yang layak gagal untuk membuat bayaran minimum pada Tarikh Bayaran Perlu Dibuat, caj pembayaran lewat pada kadar satu peratus (1%) sebulan ke atas bayaran minimum yang belum dijelaskan (tertakluk kepada jumlah minima sebanyak RM10 dan jumlah maksima sebanyak RM100 sahaja) sehingga penyelesaian sepenuhnya. 15. Yuran keluar tidak akan dikenakan sekiranya Ahli Kad yang layak menamatkan dan/atau tidak meneruskan Pelan PB Flexi di dalam Tempoh Promosi daripada tarikh pengesahan program tersebut. Selepas penamatan awal atau sekiranya Ahli Kad yang membatalkan Kad layak, jumlah baki prinsipal belum jelas akan perlu dibayar segera. Caj kewangan semasa sebanyak 18% setahun akan dikenakan ke atas jumlah keseluruhan baki prinsipal belum jelas dari tarikh akhir sehingga tarikh penyelesaian penuh. 16. Sekiranya berlaku kemungkiran pembayaran, semua wang yang terhutang dan jumlah pindahan baki yang tertunggak dan jumlah yang belum dibilkan di bawah akaun Pemindahan Baki dengan caj kewangan berkenaan akan segera dibayar dan dibayar oleh Ahli Kad yang layak. 17. Terma dan Syarat ini adalah tambahan dan tanpa prejudis kepada Terma dan Syarat yang terdapat dalam Perjanjian Kad VISA/MasterCard ABMB ( Perjanjian Kad ).

6 18. Ahli Kad mengesahkan bahawa tiada sesiapa daripadapa pihak-pihak seperti yang dinyatakan dari a) ke f) yang berikut merupakan kakitangan pihak ABMB atau anak syarikatnya atau mempunyai hubungan persaudaraan/keluarga dengan manamana pengarah, pegawai atau kakitangan pihak ABMB atau anak syarikatnya: a) suami/isterinya, b) ibu bapanya, c) anakanaknya, d) adik- beradiknya dan/atau suami/isteri mereka masing-masing, e) tanggungan kewangan man-mana pihak yang tersebut di atas, f) ejen-ejen dan penjamin-penjaminnya. Ahli Kad yang layak mengakujanji untuk mamaklumkan pihak ABMB dengan serta-merta jika terjalin atau wujudnya niat untuk menjalin hubungan seperti yang dinyatakan di atas. 19. Terma dan Syarat yang tertera di sini hendaklah dikawal dan ditafsirkan selaras dengan undang-undang Malaysia.

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