CIMB Bank Berhad (197201001799 (13491-P)) CIMB Islamic Bank Berhad (20041032871 (617380-H))

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CIMB Bank Berhad (197201001799 (13491-P))

CIMB Islamic Bank Berhad (20041032871 (617380-H)) 17th Floor Menara CIMB No 1 Jalan Stesen Sentral 2 Kuala Lumpur Sentral 50470 Kuala Lumpur Malaysia

Telephone +603 2261 8888 Facsimile +603 2261 8889 www.cimb.com

CIMB@WORK TERMS AND CONDITIONS FOR PETROLIAM NATIONAL BERHAD [20076-K]

Definitions

a. “CIMB Bank” means CIMB Bank Berhad. b. “CIMB Islamic Bank” means CIMB Islamic Bank Berhad. c. “The Bank” means collectively CIMB Bank Berhad and CIMB Islamic Bank Berhad d. “CIMB@Work Customer” means an individual who has fulfilled the CIMB@Work eligibility

requirements set by The Bank and who has been accepted by The Bank as a CIMB@Work Customer.

e. “PETRONAS” means Petroliam National Berhad f. “CIMB PETRONAS Benefits Programme” means a benefits programme designed by The Bank

for customers receiving salary from Petroliam National Berhad to enjoy features, benefits and rewards on products and services offered by The Bank herein which may be offered to CIMB@Work Customer from time to time exclusively.

g. “Eligible Customer(s)” means CIMB@Work Customers that has qualified the criteria and mechanics to enjoy the CIMB PETRONAS Benefits Programme

h. “Bonus Points” means points awarded to CIMB@Work Customers in relation to product enrolment, product usage as well as monthly product sign-up.

i. “Payroll Account” means a savings or current account of CIMB@Work Customers maintained with CIMB Bank/ CIMB Islamic Bank.

j. “POS enabled Debit Card” means The Bank Debit Mastercard that may be used to perform Point of Sale (POS) transactions via the Mastercard network.

1. CIMB@Work PETRONAS Programme 1.1 CIMB@Work is offering Petroliam National Berhad [20076-K](“PETRONAS”) an exclusive

programme for employees of Petronas herein referred to as (“PETRONAS Benefits Programme”).

1.2 The Bank reserves the right upon giving prior notice of twenty one (21) calendar days set or imposes further terms and conditions in relation to the PETRONAS Benefits Programme.

2. Eligibility 2.1 To be eligible for consideration by The Bank as a CIMB@Work Customer to enjoy the

PETRONAS Benefits Programme, the customer must fulfill the following criteria:

(a) A customer that has his/her monthly payroll crediting into a CIMB Bank or CIMB Islamic Bank Current or Savings Account (“CASA/CASA-i”) from PETRONAS

The condition 2.1 (a) are hereinafter collectively referred to as the (“Participating Criteria”) and new or existing customer of The Bank who met the Participating Criteria is referred to as the (“Eligible Customer(s)”)

3. Benefits & Mechanics

3.1 The Eligible Customer(s) are required to present proof of employment at PETRONAS by

producing a staff identification card at CIMB Bank and CIMB Islamic Branches to be eligible for the

benefits.

3.2 The Eligible Customers(s) shall be entitled to the following PETRONAS Benefits Programme

upon meeting all the qualifying criteria(s) as stipulated in Clause (2).

CIMB Bank Berhad (197201001799 (13491-P)) CIMB Islamic Bank Berhad (20041032871 (617380-H))

2

CIMB Bank Berhad (197201001799 (13491-P))

CIMB Islamic Bank Berhad (20041032871 (617380-H)) 17th Floor Menara CIMB No 1 Jalan Stesen Sentral 2 Kuala Lumpur Sentral 50470 Kuala Lumpur Malaysia

Telephone +603 2261 8888 Facsimile +603 2261 8889 www.cimb.com

Description Eligibility & Mechanics

1. Competitive

Home Financing

Rates

Effective 5th

March 2020

onwards

Eligible Customer(s) will be entitled to competitive conventional

and islamic home financing rates with the subscription to

MRTA/MRTT

Applicable for the following Home financing products:

Term Loan

Home Flexi Smart

Home Flexi

Variable Home-i

Home Flexi Smart-i

Flexi Home-i

Competitive Home Financing Rates are subject to the risk grade of

Eligible Customer(s)

Eligible Customer(s) will be entitled to a range of Home Financing

rate from Board Rate (“BR”) +0. 30% to BR+0.50%

The preferential rate is subject to change with the change in Base

Rate

The above is not applicable of SOHO units or office units

Approval is subject to discretionary of the Bank

2. Term Financing-i

secured by ASB

Effective 1st

December

2019- 30th June

2020

Eligible Customer(s) will be eligible to the competitive financing

rates with the take up for Term Financing-i secured by ASB AND

Group Term Financing Takaful (GTFT)

Approval is subject to discretionary of the Bank

The preferential rate is subject to change with the change in Base

Rate

Preferrential

Rate

Requirements

BR + 1.0%

Minimum financing amount of

RM10k

Group Term Financing Takaful

(GTFT)

BR + 0.90%

Minimum financing amount of

RM100k

Group Term Financing Takaful

3. Preferential

Fixed Deposit

(FD)/Fixed

Return Income

Account-i (FRIA-

Eligible Customer(s) will be eligible for preferential Fixed Deposit

(“FD”) and Fixed Return Income Account-i (“FRIA-i”) of up to 30

BPs above Board Rate

This offering cannot be in conjunction with any promotional rates

for FD/FRIA-i

CIMB Bank Berhad (197201001799 (13491-P)) CIMB Islamic Bank Berhad (20041032871 (617380-H))

3

CIMB Bank Berhad (197201001799 (13491-P))

CIMB Islamic Bank Berhad (20041032871 (617380-H)) 17th Floor Menara CIMB No 1 Jalan Stesen Sentral 2 Kuala Lumpur Sentral 50470 Kuala Lumpur Malaysia

Telephone +603 2261 8888 Facsimile +603 2261 8889 www.cimb.com

i)

Effective 5th

March 2020-

31st December

2020

Eligible Participant(s) are required to take maturity returns for

FD/FRIA-i, which includes tenure of 1,2,3,6 and 12 months. The

FD/FRIA-i rates will be applicable for a maximum tenure of twelve

(12) months

The above rates will be applicable for ONE (1) cycle and will revert

to Board Rate in the next automatically.

The preferential rate is subject to change with the change in Base

Rate

This preferential rate is applicable for both fresh funds and

existing funds. Fresh funds refer to funds outside The Bank and

Existing Funds refer to existing FD/FRIA-i contract renewal or

FD/FRIA-i placement of any existing funds within The Bank

The Bank is a member of PIDM. This product is protected by

PIDM up to Ringgit Malaysia Two Hundred and Fifty Thousand

(RM250,000) for each depositor

4. Personal

Secured

Overdraft

Facilities

Effective 5th

March 2020- 31st

December 2020

Eligible Customer(s) will enjoy a rate of BR +0.85% for Personal

Secured Overdraft Facilities against FD

The Preferential Rate will be subject to change with the change of

Base Rate

Eligible Customer(s) will be eligible for fee waiver on Personal

Secured Overdraft Facilities against Fixed Deposit total that

exceeds Ringgit Malaysia Two Hundred and Fifty Thousand

(RM250,000)

5. Preferential

Foreign

Exchange

Currency Rates

at CIMB Bureau

De Change

(CIMB BDC)

Effective 5th

March 2020- 31st

December 2020

Eligible Customer(s) will enjoy preferential rates at all CIMB

Bureau De Change (“CIMB BDC”) outlets nationwide for selected

currencies

The selected currencies are Australian Dollar, Brunei Dollar,

Singapore Dollar, Sterling pounds, United States Dollar, Euro,

Canadian Dollar, Swiss Franc, New Zealand Dollar, Japanese

Yen, Indian Rupee, Pakistan Rupee, Sri Lankan Rupee, New

Taiwan Dollar, Thai Baht, Philippines Peso, South Korean Won,

Indonesian Rupiah, Vietnamese Dong, Cambodian Riel, China

RMB, Hong Kong Dollar, UAE Dirham, Saudi Riyal, Danish Kome,

Norweigian Korne, Swedish Krona, South African Rand,

Macanese Pataca and Qatari Riyal

The Preferential Rate is only applicable at CIMB BDC Centres; not

applicable at CIMB Branches or on digital platform

6. SOMPO Travel

Insurance

Effective 5th

March 2020-

Eligible Customer(s) will enjoy Ringgit Malaysia Five (RM 5) off

the total premium payable of SOMPO Travel Plus made on The

Bank’s website with the Promotional Code of “PETTP5”

Eligible Customer(s) must key in the relevant promo code

CIMB Bank Berhad (197201001799 (13491-P)) CIMB Islamic Bank Berhad (20041032871 (617380-H))

4

CIMB Bank Berhad (197201001799 (13491-P))

CIMB Islamic Bank Berhad (20041032871 (617380-H)) 17th Floor Menara CIMB No 1 Jalan Stesen Sentral 2 Kuala Lumpur Sentral 50470 Kuala Lumpur Malaysia

Telephone +603 2261 8888 Facsimile +603 2261 8889 www.cimb.com

31st December

2020

mentioned. The validity of the code will end on 31 Dec 2020,

11.59pm.

Eligible Customer(s) are required to purchase SOMPO Travel Plus

via CIMB Cards or CIMB Clicks to be eligible for this offer.

Eligible Customer(s) who purchases SOMPO Travel Plus during the Campaign Period will also be entitled RM10 OFF on Stamp Duty if the premium payment is made via CIMB Cards, or CIMB Clicks

This product is underwritten by Berjaya Sompo Insurance Berhad

under Registration No: 198001008821 (62605-U)

7. SOMPO Motor

Insurance

Effective 5th

March 2020-

31st December

2020

Eligible Customer(s) will receive complimentary One (1) year

coverage of Snatch Shield Plus with purchase of SOMPO Motor

Insurance on The Bank’s website with the Promotional Code of

“PETMSS”

Eligible Customer(s) must key in the relevant promo code

mentioned. The validity of the code will end on 31 Dec 2020,

11.59pm.

Eligible Customer(s) are required to make SOMPO Motor

Insurance premium payment via CIMB Cards or CIMB Clicks to be

eligible for this offer

The SOMPO Snatch Shield Plus will offer the following benefit:

Snatch Shield Plus - Personal Accident Benefit

Sum Insured Plan B

Accidental Death (due to snatch theft or attempted snatch theft)

RM25,000

Permanent Disablement (due to snatch theft or attempted snatch theft)

RM25,000

Snatch Theft (lump sum payment/one incident during policy period)

1,000

The Snatch Shield Plus policy will be awarded to Eligible

Customer(s) seven (7) working days via email from the day the

SOMPO Motor Insurance has been successfully purchased

Eligible Customer(s) who purchases SOMPO Motor during the Campaign Period will also be entitled Six (6) Months’ Installment Payment with 0% Interest / finance charges for SOMPO Motor Insurance, Applicable to CIMB Credit Card Payment mode with minimum gross premium* of RM 600. Eligible customer(s) must select the option at the payment stage before completing the transaction.

* Gross Premium is defined as Premium Amount after deduction of No Claim Discount (NCD) and addition of premium for Extra Coverage amount.

CIMB Bank Berhad (197201001799 (13491-P)) CIMB Islamic Bank Berhad (20041032871 (617380-H))

5

CIMB Bank Berhad (197201001799 (13491-P))

CIMB Islamic Bank Berhad (20041032871 (617380-H)) 17th Floor Menara CIMB No 1 Jalan Stesen Sentral 2 Kuala Lumpur Sentral 50470 Kuala Lumpur Malaysia

Telephone +603 2261 8888 Facsimile +603 2261 8889 www.cimb.com

By participating in this offer, the Eligible Customer(s) is deemed to have consented that their personal information (including but not limited to the information relating to their status as employee of PETRONAS) collected and held by The Bank may be held, used, and disclosed by The Bank to individuals or organizations related to or associated with The Bank, Berjaya SOMPO Insurance Berhad or any selected third party (within or outside of Malaysia, including reinsurance and claims investigation companies and industry associations/federations) for one or more of the following purposes: (i) to assess, process and/or issue the policy for SOMPO Snatch Shield Plus; (ii) to provide subsequent service(s) for SOMPO Snatch Shield Pluspolicy; (iii) for fulfilment purpose(s) of this Campaign; and/or (iv) for any other purpose(s) relating to this Campaign and/or the SOMPO Snatch ShieldPlus policy.

This product is underwritten by Berjaya Sompo Insurance Berhad

under Registration No: 198001008821 (62605-U)

8. Lazada

eVoucher for

purchase on

selected Sun

Life Malaysia

Assurance

Berhad /Sun

Life Malaysia

Takaful Berhad

Life Insurance

/ Family

Takaful

Effective 5th

March 2020-31st

December 2020

The Eligible Customer(s) will enjoy the Lazada eVoucher based

on the table below:

Reward Family Takaful Life Insurance

RM300

Lazada

eVoucher

• Sun Inspirasi

• Sun Ultimate

Coverage-i

(Regular

Contribution)

• Sun Signature

Life

• Sun Wealth

• Sun Prestige

Health

• Sun Income

Secure Max

RM20

Lazada

eVoucher

• SunLink

Istismar Plus

• Takaful Suria

Plus

• Takaful Mulia

• Sun EduSmart

• Sun

SaveAssured

• SunLink Max

Sun Life Malaysia Assurance Berhad (197499-U) an insurer

registered with Bank Negara Malaysia under the Financial Service

Act 2013 and Sun Life Malaysia Takaful Berhad (689263-M) a

Takaful Operator registered with Bank Negara Malaysia under the

Islamic Financial Services Act 2013 shall herein collectively be

referred to as (“Sun Life Malaysia”)

The Eligible Customer(s) is only entitled to receive the Gift(s) if the

CIMB Bank Berhad (197201001799 (13491-P)) CIMB Islamic Bank Berhad (20041032871 (617380-H))

6

CIMB Bank Berhad (197201001799 (13491-P))

CIMB Islamic Bank Berhad (20041032871 (617380-H)) 17th Floor Menara CIMB No 1 Jalan Stesen Sentral 2 Kuala Lumpur Sentral 50470 Kuala Lumpur Malaysia

Telephone +603 2261 8888 Facsimile +603 2261 8889 www.cimb.com

application for the Participating Product(s) are accepted and

issued by Sun Life Malaysia latest by 15th January 2021.

In the event the Eligible Customer(s) withdraws or cancels the

Participating Product(s) during the application, processing stage

or any other stages on or before the Free-Look Period, or should

the application of the Participating Product(s) be unsuccessful due

to underwriting issues, the Eligible Customer(s) shall not be

entitled to any of the Gift(s).

the “Free-Look Period” is defined as a period where the policy/certificate owner is given a Free-Look Period of fifteen (15) days from the policy/certificate delivery date to review the suitability of the newly participated plan. If the policy/certificate is surrendered within the period, the full premium/contribution less the medical examination expenses incurred, if any, will be refunded to the policy/certificate owner.

Fulfillment of the Gift(s) for the purchase of Sun Life Malaysia Assurance Berhad/Sun Life Malaysia Takaful Berhad articipating Product(s) set out in the Table B as stated in Clause 6 will be as per schedule below:

Policy / Certificate Issuance Date

Policy / Certificate must be in-force as at

Fulfillment Schedule

1st March 2020 – 31st March 2020

30th April 2020

Within 60 working days from 30th April 2020

1st April 2020 – 30th April 2020

31st May 2020

Within 60 working days from 31st May 2020

1st May 2020 – 31st May 2020

30th June 2020

Within 60 working days from 30th June 2020

1st June 2020 – 30th June 2020

31st July 2020

Within 60 working days from 31st July 2020

1st July 2020 – 31st July 2020

31st August 2020

Within 60 working days from 31st August 2020

1st August 2020 – 31st August 2020

30th September

2020

Within 60 working days from 30th September 2020

CIMB Bank Berhad (197201001799 (13491-P)) CIMB Islamic Bank Berhad (20041032871 (617380-H))

7

CIMB Bank Berhad (197201001799 (13491-P))

CIMB Islamic Bank Berhad (20041032871 (617380-H)) 17th Floor Menara CIMB No 1 Jalan Stesen Sentral 2 Kuala Lumpur Sentral 50470 Kuala Lumpur Malaysia

Telephone +603 2261 8888 Facsimile +603 2261 8889 www.cimb.com

1st September 2020 – 30th

September 2020

31st October 2020

Within 60 working days from 31st October 2020

1st October 2020 – 31st October 2020

30th November

2020

Within 60 working days from 30th November 2020

1st November 2020 – 30th

November 2020

31st December

2020

Within 60 working days from 31st December 2020

1st December 2020 – 15th

January 2021

15th February

2021

Within 60 working days from 15th February 2021

CIMB is merely a distributor of the Participating Products

underwritten/managed by Sun Life Malaysia and shall not be

responsible or be held liable in any way whatsoever in respect of

any matter or claims arising from the Participating Products

provided by Sun Life Malaysia. Sun Life Malaysia being the

licensed insurer and Takaful Operator shall fully undertake the

insurance or Takaful obligations. The Participating Products are

not CIMB’s products and therefore not an obligation of / not

guaranteed by CIMB and / or its subsidiaries and affiliates.

9. Lowered

Minimum

Requirements

for CIMB

Preferred

Effective 5th

March 2020

Eligible Customer(s) will be enjoy Preferred membership for the

first six (6) months with salary of minimum Ringgit Malaysia

Twenty Thousand (RM20,000) credited in a CIMB CASA/CASA-i

Eligible Customer(s) are required to maintain the ‘Minimum

balance’ of Asset Under Management (“AUM”) defined as

aggregated total deposited in any deposit account(s) of the Bank

and/or invested in any investment product(s) [excluding Amanah

Saham Nasional Berhad (ASBN) Variable Priced Fund(s)] of the

Bank under the Customer’s sole or joint account where the

Customer is the primary account holder of Ringgit Malaysia Two

Hundred Thousand (RM200,000) from the seventh (7th) to twelfth

(12th) month and Ringgit Malaysia Two Hundred and Fifty

Thousand (RM250,000) after the twelfth (12th) month

Failure to maintain the ‘Minimum Balance’ required may result in

termination or suspension of the services and privileges of CIMB

Preferred upon the Bank giving prior notification of fourteen (14)

calendar days

10. Annual Fee

Rebate on CIMB

Eligible Participant(s) shall be entitled to an (“Annual Fee Rebate”) if he/she: (a) submit an application for CIMB Enrich World Mastercard OR

CIMB Bank Berhad (197201001799 (13491-P)) CIMB Islamic Bank Berhad (20041032871 (617380-H))

8

CIMB Bank Berhad (197201001799 (13491-P))

CIMB Islamic Bank Berhad (20041032871 (617380-H)) 17th Floor Menara CIMB No 1 Jalan Stesen Sentral 2 Kuala Lumpur Sentral 50470 Kuala Lumpur Malaysia

Telephone +603 2261 8888 Facsimile +603 2261 8889 www.cimb.com

Enrich World

Mastercard and

CIMB Enrich

World Elite

Mastercard

Effective 5th

March 2020- 31st

December 2020

CIMB Enrich World Elite Mastercard credit card during Campaign Period as a principal cardholder at CIMB Bank or CIMB Islamic Branch; AND

(b) the credit card must be successfully approved by The Bank by 4th January 2021 and the credit card must be activated within sixty (60) days from the Card Approval Date .“Card Approval Date” shall mean the date as stated in the card carrier that is sent together with the CIMB credit card to the Applicant(s)

The Annual Fee Rebate will be credited to the Eligible Participants’ CIMB Enrich World Mastercard OR CIMB Enrich World Elite Mastercard account (“CIMB Account”) within sixty (60) days from the date that the card is charged.

The Eligible Participant will receive notification of the Annual Fee Rebate, through the respective credit card statement that follows the date of the crediting of the Annual Fee Rebate.

Each Eligible Participant is entitled to receive Annual Rebate once for each card applied and a maximum of Ringgit Malaysia One Thousand Two Hundred and Eighty-Eight (RM1,288), throughout the Campaign Period, provided that the Eligible Participant(s) met the clause of 3.2 10(a) and 3.2 10(b)

3.3 The PETRONAS Benefit Programme is subject to the application of the terms and conditions of the relevant or respective Bank products or services, which are separate from the terms, and conditions herein. All product benefits allocated as part of the CIMB@Work Features, Benefits & Rewards must be read in conjunction with the terms and conditions governing the respective product or services.

3.4 The Bank reserves the right to revise, modify, suspend, cancel, terminate or withdraw the

CIMB@Work Features, Benefits & Rewards in whole or part, by giving the CIMB@Work Customer(s) prior notice of twenty one (21) calendar days. For the avoidance of doubt, any termination, cancellation, amendment, modification, revision, restriction or suspension of all or any of the CIMB@Work Features, Benefits & Rewards shall not entitle the CIMB@Work Customer and/or any person to any claim or compensation against The Bank for any losses or damages suffered or incurred by the CIMB@Work Customer and/or any person as a direct or indirect result of the act of termination, cancellation, amendment, modification, revision, restriction or suspension unless the same is due to the gross negligence or willful default of The Bank

3.5 The Bank may at any time and from time to time offer features, benefits and rewards on products

or services offered to CIMB@Work Customer(s). The full list of the features, benefits and rewards can be viewed at The Bank’s website at www.cimb.com.my

4 Bonus Points

4.1 All CIMB@Work Customers are eligible to redeem Bonus Points under the CIMB Member Rewards Programme, which can be accessed from The Bank’s website at www.cimb.com.my

4.2 To be eligible to earn Bonus Points, the CIMB@Work Customer must comply with the following:- a. has a valid POS Enabled Debit Card; and b. his/her entitlement to enjoy or use the CIMB@Work Features, Benefits & Rewards in accordance with the terms and conditions herein have not been terminated.

CIMB Bank Berhad (197201001799 (13491-P)) CIMB Islamic Bank Berhad (20041032871 (617380-H))

9

CIMB Bank Berhad (197201001799 (13491-P))

CIMB Islamic Bank Berhad (20041032871 (617380-H)) 17th Floor Menara CIMB No 1 Jalan Stesen Sentral 2 Kuala Lumpur Sentral 50470 Kuala Lumpur Malaysia

Telephone +603 2261 8888 Facsimile +603 2261 8889 www.cimb.com

4.3 The CIMB@Work Customers shall be entitled to earn Bonus Points upon product sign-up and product usage in accordance with Section 3 of the Member Rewards Catalogue under the CIMB Member Rewards Programme, which can be accessed from The Bank’s website at www.cimb.com.my

5. Termination 5.1 The CIMB@Work Features, Benefits, & Rewards of a CIMB@Work Customer shall be deemed

terminated upon occurrence of any of the following event a. Discontinuation of PETRONAS monthly payroll crediting into the CIMB@Work Customer’s

Payroll Account for four (4) consecutive months; or b. Resignation, termination, or cessation of employment of the CIMB@Work Customer resulting

in the discontinuation of monthly payroll crediting as mentioned in Clause 5.1a; or c. Withdrawal by the CIMB@Work Customer’s employer in this case Petroliam National Berhad

from payroll crediting via BizChannel@CIMB, resulting in the discontinuation of monthly payroll crediting as mentioned in Clause 5.1a.

5.2 Notwithstanding Clause 5.1, The Bank reserves the right to suspend or terminate the CIMB@Work Customer’s PETRONAS Benefits Programme entitlement to enjoy or use the CIMB@Work Features, Benefits & Reward upon giving prior notice of twenty one (21) calendar days to the CIMB@Work Customer.

5.3 Upon termination mentioned in Clause 5.1 and 5.2, the CIMB@Work Customer shall immediately cease to enjoy or use all features, benefits and rewards offered under the CIMB@Work Features, Benefits & Rewards.

5.4 The Bank shall not, under any circumstances, be held liable for any loss or damage suffered or incurred by the CIMB@Work Customer or any other party, in respect of (i) the CIMB@Work Customer’s enjoyment and/or non-enjoyment and usage and/or non-usage of the CIMB@Work Features, Benefits & Rewards; (ii) The Bank’s action in terminating or suspending the CIMB@Work Customer’s entitlement to enjoy or use of the CIMB@Work Features, Benefits & Reward unless the same is caused by The Bank’s willful default or gross neglect.

6. Important Notices 6.1 The CIMB@Work Customer(s)’ enjoyment and usage of the CIMB@Work Features, Benefits &

Rewards shall be deemed as the CIMB@Work Customer’s agreement to the CIMB@Work Terms & Conditions and the CIMB@Work Customer(s) agree that the decision of The Bank in relation to every aspect of the CIMB@Work Features, Benefits & Rewards shall be final, binding and conclusive.

6.2 The CIMB@Work Customer(s) hereby confirm that the they have read, understood and agreed to be bound by the CIMB Group Privacy Notice (which is available at www.cimb.com.my) and the clauses herein, as may relate to the processing of the CIMB@Work Customer(s)’ personal information. For the avoidance of doubt, the CIMB@Work Customer(s) agree that the said Privacy Notice shall be deemed to be incorporated by reference into the Terms and Conditions herein.

6.3 The CIMB@Work Customer(s) agree that they shall not hold The Bank liable and/or responsible for any loss or damage which the they have incurred or may incur directly or indirectly arising out of or in connection with their enjoyment and usage of the CIMB@Work Features, Benefits & Rewards including but not limited to breakdown or malfunction of the computer, its terminal

CIMB Bank Berhad (197201001799 (13491-P)) CIMB Islamic Bank Berhad (20041032871 (617380-H))

10

CIMB Bank Berhad (197201001799 (13491-P))

CIMB Islamic Bank Berhad (20041032871 (617380-H)) 17th Floor Menara CIMB No 1 Jalan Stesen Sentral 2 Kuala Lumpur Sentral 50470 Kuala Lumpur Malaysia

Telephone +603 2261 8888 Facsimile +603 2261 8889 www.cimb.com

connection lines, data processing system or transmission line or any other equipment whether or not belonging to The Bank, attempted or actual acts of terrorism, outbreak of epidemics, war, riot, strike, lockout, industrial action, fire, flood, technical or system failures, any Act of God or any circumstances or event beyond The Bank’s reasonable contro

6.4 The Bank reserves the rights upon giving prior notice of twenty one (21) calendar days to vary

(whether by addition, deletion, modification, amendment or otherwise howsoever) (“the Amendment”) any of the CIMB@Work Terms & Conditions. Notification to CIMB@Work Customer(s) in respect of the Amendment shall be effected at The Bank‘s absolute discretion through any one of the following means of communication, namely, by ordinary mail to the CIMB@Work Customer(s) last known address or by posting a notice regarding the Amendment at each of The Bank’s branches or by effecting an advertisement regarding the Amendment in one newspaper of The Bank’s choice, or via The Bank’s website or in any other mode as The Bank’s deems fit and the Amendment shall be deemed as binding on the CIMB@Work Customer as from the date of notification of the Amendment or from such other date as may be specified by The Bank in the notification.

6.5 The CIMB@Work Terms and Conditions, as the same may be amended from time to time pursuant to Clause 6.4, shall prevail over any provisions or representations contained in any advertising or promotional materials pertaining to the CIMB@Work Features, Benefits & Rewards.

6.6 Time shall be of the essence but The Bank's failure in exercising or delay in exercising or enforcing its rights, powers, privileges or remedies against the CIMB@Work Customer shall not operate as a waiver thereof nor shall any partial exercise of any rights, powers, privileges or remedies prejudice or affect The Bank's rights to subsequently act strictly in accordance therewith.

6.7 The illegality, invalidity or unenforceability of any CIMB@Work Terms and Conditions shall not affect the legality, validity or enforceability of any other CIMB@Work Terms and Conditions herein.

6.8 CIMB@Work Terms and Conditions herein shall be subject to, governed by and construed in accordance with the laws of Malaysia and the rules, regulations and guidelines of Bank Negara Malaysia, the Association of Banks in Malaysia and other relevant bodies, in force from time to time. The CIMB@Work Customer agrees to submit to the exclusive jurisdiction of the Courts of Malaysia.

6.9 Notwithstanding anything herein, The Bank's rights and entitlement under this CIMB@Work Terms and Conditions shall continue to remain in force and effect and shall survive any termination or suspension of the CIMB@Work Features, Benefits & Rewards by The Bank.

6.10 The CIMB@Work Terms and Conditions herein shall continue to be valid and binding notwithstanding any merger, amalgamation, transfer or assignment of business, operations, assets or liabilities of The Bank or any change in The Bank or any company by which the business of The Bank may for the time being be carried on.

6.11 The CIMB@Work Terms and Conditions herein stated shall be in addition to and not in derogation of any specific arrangement with regards to the use or enjoyment of the

CIMB Bank Berhad (197201001799 (13491-P)) CIMB Islamic Bank Berhad (20041032871 (617380-H))

11

CIMB Bank Berhad (197201001799 (13491-P))

CIMB Islamic Bank Berhad (20041032871 (617380-H)) 17th Floor Menara CIMB No 1 Jalan Stesen Sentral 2 Kuala Lumpur Sentral 50470 Kuala Lumpur Malaysia

Telephone +603 2261 8888 Facsimile +603 2261 8889 www.cimb.com

CIMB@Work Features, Benefits & Rewards now or hereafter subsisting between The Bank and the CIMB@Work Customer or any terms and conditions as may be specified in any letter or notice given by The Bank to the CIMB@Work Customer from time to time.

6.12 The CIMB@Work Terms and Conditions herein shall be binding upon the heirs, personal representatives and successors-in-title of The Bank and the CIMB@Work Customer respectively and the rights and obligations of the CIMB@Work Customer herein cannot be assigned for any reasons whatsoever.

6.13 The CIMB@Work Terms and Conditions herein are in addition and subject to the agreement and/or rules and regulations governing the operation, services, benefits and privileges in relation to and /or arising under the account(s) of the CIMB@Work Customer maintained with The Bank. These Terms and Conditions are to be read in conjunction with the prevailing terms and conditions of the respective product(s) and service(s) offered by The Bank in addition to the Term and Conditions herein.

6.14 Unless otherwise specified herein to the contrary, all notices and communications by The Bank in relation to CIMB@Work Privileges & Rewards may be given by The Bank in any one of the following manners:- a. By A.R registered post to the CIMB@Work Customer’s last address in The Bank Islamic's

records; b. By ordinary post to the CIMB@Work Customer’s last address in The Bank 's records; c. By facsimile, e-mail or other forms of instantaneous communication to the CIMB@Work

Customer’s last known contact number, mobile number or e-mail address in The Bank 's records;

d. By display at The Bank 's premises, including those of its branches; e. By display on the screen upon access to The Bank’s web site(s) at www.cimb.com.my f. By any other manner as The Bank deems fit.

All notices and communications sent by The Bank to Customers, shall, unless otherwise specified herein or in the said notice or communication, be deemed to have been received and effective, as follows:-

a. If by A.R registered post; upon receipt of a duly signed A.R card; b. If by ordinary post, two (2) days after posting for peninsular Malaysia and five (5) days after

posting for Sabah & Sarawak and places outside of Malaysia; c. If by facsimile, e-mail or other instantaneous communication, when despatched; and d. If by display (whether at The Bank's premises or on The Bank’s website) upon such display

being made.

6.15 Where the context so admits, word importing the singular number shall include the plural number and vice-versa, words importing the masculine gender shall include the feminine and neuter genders and vice-versa.

6.16 In the event of any inconsistency, conflict, ambiguity or discrepancy between the English version or any other versions of the CIMB@Work Terms and Conditions herein, the English version shall prevail. Notwithstanding the aforementioned, where request is made by CIMB@Work Customer for the Bahasa Malaysia version of the CIMB@Work Terms and Conditions and it is noted and acknowledged by The Bank in its records that the Bahasa Malaysia version of the CIMB@Work Terms and Conditions shall govern the CIMB@Work Features, Benefits & Rewards, then the Bahasa Malaysia version of the CIMB@Work Terms and Conditions shall

CIMB Bank Berhad (197201001799 (13491-P)) CIMB Islamic Bank Berhad (20041032871 (617380-H))

12

CIMB Bank Berhad (197201001799 (13491-P))

CIMB Islamic Bank Berhad (20041032871 (617380-H)) 17th Floor Menara CIMB No 1 Jalan Stesen Sentral 2 Kuala Lumpur Sentral 50470 Kuala Lumpur Malaysia

Telephone +603 2261 8888 Facsimile +603 2261 8889 www.cimb.com

prevail. 6.17 In the event of any complaints relating to enrollment as a CIMB@Work Customer and/or any

other matters relating to the CIMB@Work Features, Benefits & Rewards, CIMB@Work Customer may contact The Bank's Customer Resolution Department bearing the following address, telephone, email and facsimile numbers (or bearing such other address, telephone, email and facsimile numbers which The Bank may change by notification to the CIMB@Work Customers):

Contact Number : +603-6204 7788 Email Address : cru@cimb.com Address : Customer Resolution Unit (CRU) P.O Box 10338, GPO Kuala Lumpur, 50710 Kuala Lumpur

6.18 In the event there are any enquiries, please visit any of The Bank’s branches nationwide, or

contact The Bank’s Contact Centre:+603-6204 7788.