Common use of Credit Limit Clause in Contracts

Credit Limit. 3.1. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall credit limit in respect of each Card Account. The total charges incurred under each Card Account by the Principal Cardmember and the Supplementary Cardmember(s) when added together, must not exceed the credit limit set for each Card Account. We may, where necessary, review and revise any of your credit limits without notice. References to “credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2. WHERE CHARGES EXCEED CREDIT LIMIT We may choose to approve certain Card Transactions that would result in the credit limit being exceeded. Notwithstanding any credit limit that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse to authorise or approve any Card Transaction even though the credit limit has not been and would not be exceeded if such Card Transaction had been effected. 3.3. CHARGES TO CARD ACCOUNT We may charge and debit the relevant Card Account (whether before or after the termination of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due to us on the Card Account may as a consequence of any such charge or debit exceed the Credit Limit; and b. that the Card Transaction was effected by the use of any Card or Security Procedure of any Card after the loss or theft of that Card or disclosure of the Security Procedure in respect of that Card provided nevertheless no amount shall be debited to the Card Account in respect of any Card Transaction effected without your knowledge or authority after notice of the loss or theft of that Card or the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issued.

Credit Limit. 3.16.1. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall Notwithstanding that a prescribed credit limit in respect of each Card Accountmay not be assigned or known to the Cardmember, the Bank may at any time at its sole discretion set such a limit for its control purposes after giving the Cardmember three (3) working days prior notice. 6.2. The total charges incurred under each Card Account by Subject to Maybank’s discretion and approval, Maybank may provide you the Principal flexibility to spend beyond your credit limit to ensure you do not experience any interruption when using Maybank Credit Card(s). 6.3. Where a prescribed credit limit is assigned and made known to the Cardmember, the Cardmember and the Supplementary Cardmember(s) when added together, must shall not exceed the prescribed credit limit set for each Card Accountassigned/established by the Bank unless prior written approval to exceed this limit is obtained by the Cardmember from the Bank. We may, where necessary, review and revise The Cardmember further undertakes not to effect any purchases or transactions within or outside Malaysia which may cause the aggregate outstanding balance of your credit limits without notice. References the Cardmember’s obligation to “the Bank to exceed such credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.26.4. WHERE CHARGES EXCEED CREDIT LIMIT We may choose Where the Cardmember has been issued with a American Express, a Mastercard and a Visa Card and/or where Supplementary Card(s) have been issued, and where a prescribed credit limit is assigned and is made known to approve certain Card Transactions that would result in the Cardmember, such prescribed credit limit shall constitute the credit limit being exceededcommon to and shared by all the aforementioned cards in that aggregate purchases or transactions under all the said cards shall not at any time exceed the prescribed credit limit. 6.5. Notwithstanding the aforesaid, the Cardmember shall remain and be liable for all his liabilities including but not limited to all purchases, cash advances and transactions exceeding such credit limit. In amplification and not in derogation of the aforesaid, the Bank is not duty bound in any credit limit way whatsoever to ensure that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse is not exceeded by the Cardmember. The Cardmember shall not be entitled under any circumstances to authorise or approve any Card Transaction even though demand that the prescribed credit limit has not been and would or the unutilized prescribed credit limit be made available by the Bank for the Cardmember’s use. The Bank shall not be exceeded if such Card Transaction had been effectedunder any obligation either at law or in equity to make or continue to make available the prescribed credit limit or the unutilised prescribed credit limit for utilisation by the Cardmember. 3.36.6. CHARGES TO CARD ACCOUNT We may charge and debit the relevant Card Account (whether before The availability or after the termination continuation of the use of prescribed credit limit extended to the Cardmember is subject to reviews which may be undertaken by the Bank from time to time or at any or all Cardstime. 6.7. The Bank may (but shall not be obliged to) at any time and from time to time contact the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due Cardmember to us validate a transaction carried out on the Card Account may as a consequence measure to prevent any possible unauthorised use of any such charge or debit exceed the Credit Limit; and b. Card. In the event that the Bank is unable to contact the Cardmember the Bank may (but shall not be obliged to) decline the transaction without liability to the Bank. In the event the Bank permits the transaction to be carried out, the Cardmember shall remain liable for the charges and/or debts incurred and/or monies withdrawn. 6.8. The Bank has the right to impose a ceiling in percentage terms on the quantum of Card Transaction was effected by Limit and the use of any Card or Security Procedure of any Card after Cardmember’s available balance which can be utilised for the loss or theft of that Card or disclosure of Cash Withdrawals. The Bank further has the Security Procedure right to vary such ceiling percentage from time to time as the Bank in respect of that Card provided nevertheless no amount its absolute discretion deems fit. 6.9. Maybank shall be debited entitled at any time at its absolute discretion and without the need to provide any reasons, to revise, vary and/or reduce the Cardmember’s Credit Limit and such change of Credit Limit takes effect immediately upon notification to the Card Account Cardmember. The Cardmember shall be deemed notified when such change of Credit Limit is reflected in respect the monthly statement of any Card Transaction effected without your knowledge or authority after notice of the loss or theft of that Card or the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issuedaccount.

Credit Limit. 3.1. 3.1 CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall credit limit in respect of each Card Account. The total charges incurred under each Card Account by the Principal Cardmember and the Supplementary Cardmember(s) when added together, must not exceed the credit limit set for each Card Account. We may, where necessary, review and revise any of your credit limits without notice. References to “credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2. 3.2 WHERE CHARGES EXCEED CREDIT LIMIT We may choose to approve certain Card Transactions that would result in the credit limit being exceeded. Notwithstanding any credit limit that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse to authorise or approve any Card Transaction even though the credit limit has not been and would not be exceeded if such Card Transaction had been effected. 3.3. 3.3 CHARGES TO CARD ACCOUNT We may charge and debit the relevant Card Account (whether before or after the termination of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. (a) that the balance due to us on the Card Account may as a consequence of any such charge or debit exceed the Credit Limit; and b. (b) that the Card Transaction was effected by the use of any Card or Security Procedure the PIN of any Card after the loss or theft of that Card or disclosure of the Security Procedure PIN in respect of that Card provided nevertheless no amount shall be debited to the Card Account in respect of any Card Transaction effected without your knowledge or authority after notice of the loss or theft of that Card or the disclosure of the Security Procedure PIN of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issued.

Credit Limit. 3.1At or near the time the Card Account is opened, we will advise you of the maximum aggregate amount of Debt that may remain outstanding at any time in the Card Account. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall credit limit in respect of each This amount will be the Business Credit Limit for the Card Account. The total charges incurred under each Card Account by Business Credit Limit is shared amount all Cards issued on the Principal Cardmember and the Supplementary Cardmember(s) when added together, must not exceed the credit limit set for each Card Account. We may, where necessaryin our sole discretion, review and revise change the Business Credit Limit from time to time by providing notice to you. You may request ATB to change the Business Credit Limit at any of your credit limits without notice. References to “credit limit” in this Clause shall includetime, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2. WHERE CHARGES EXCEED CREDIT LIMIT We may choose to approve certain Card Transactions that would result in the credit limit being exceeded. Notwithstanding any credit limit that may be set or imposedhowever, we may in our absolute discretion authorise are not required to do so. At or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed near the credit limit or refuse to authorise or approve any Card Transaction even though the credit limit has not been and would not be exceeded if such Card Transaction had been effected. 3.3. CHARGES TO CARD ACCOUNT We may charge and debit the relevant Card Account (whether before or after the termination of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due to us on time the Card Account is opened, you may as request the Card Account to be set up either on a consequence of any such charge restricted or debit exceed unrestricted basis. You may request that we change the account type after it is opened, however, we are not required to do so. We may, in our sole discretion, change the account type from time to time by providing notice to you. If the Card Account is set up on an unrestricted basis (Unrestricted Basis), each Cardholder will have access to the entire authorized Business Credit Limit; and b. that . However, Cards must not be used in a manner which would cause the unpaid balance of the Card Transaction was effected by Account to exceed, at any time, the use authorized Business Credit Limit of any Card or Security Procedure of any Card after the loss or theft of that Card or disclosure of the Security Procedure in respect of that Card provided nevertheless no amount shall be debited to the Card Account in respect of any Card Transaction effected without your knowledge effect at such time unless we or authority after notice our authorized agent approve the particular transaction. Although we are not required to, if we have permitted you to exceed the authorized Business Credit Limit of the loss Card Account, you must pay upon demand by us the amount that exceeds the Business Credit Limit and any over limit fee we may charge. The Business and each Owner remain jointly and severally (and in Quebec solidarily) liable and responsible for all Debt whether or theft of that Card or not it exceeds the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by usBusiness Credit Limit. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to If the Card Account associated is set up on a restricted basis (Restricted Basis), you may request a credit limit for each Cardholder. This is the Card Limit for each Cardholder Account. The aggregate total of all Card Limits for all Cardholders Accounts must not at any time exceed the Business Credit Limit for the Card Account. Even if you have requested the Card Account be set up on an Unrestricted Basis, we have the right to set a Card Limit for each Cardholder and we may change the Card Limit for any Cardholder from time to time. We will advise each Cardholder what their initial Card Limit is on the Card Carrier sent to them with their Card. If the account is set up on a Restricted Basis, each Cardholder will have access only to their Card Limit and once the applicable Card Limit has been reached by a Cardholder, the Cardholder will not be able to access their Cardholder Account until the next Statement Date after the Credit Limit has been reached (provided the required payment for the Card Account has been received by us) as Card Limits refurbish monthly on each statement cycle date. You are responsible for ensuring that each Cardholder observes their Card Limit and will continue to be liable to ATB if ATB permits the Card Limit to be exceeded. Although we are not required to, if we have permitted the authorized Card Limit to be exceeded, you must pay upon demand by us the amount that exceeds the Card Limit and any over limit fee we may charge. The Business and each Owner remain jointly and severally (and in Quebec solidarily) liable and responsible for all Debt whether or not it exceeds any Card Limit. The current Business Credit Limit is shown on each monthly Statement. We may also limit the portion of your Business Credit Limit or any Card Limit that may be used for Cash Advances. If you have reached the limit we have set for Cash Advances, we may, at our discretion, not allow you to draw further Cash Advances until you make payments that, in accordance with the Card used manner in which we apply payments under this Agreement, reduce the portion of the outstanding Debt that relates to Cash Advances. You may also have a daily limit for enrolment with Cash Advances that may be withdrawn from an automated banking machine (ABM). These limits may be adjusted from time to time by us without notice to you. Merchants may require that certain Purchases be pre- authorized. In such case, your available credit will decrease by the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issuedpre-authorized amount, regardless of whether you receive goods or services at that time.

Credit Limit. 3.16.1. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall Notwithstanding that a prescribed credit limit in respect of each Card Accountmay not be assigned or known to the Cardmember, the Bank may at any time at its sole discretion set such a limit for its control purposes after giving the Cardmember three (3) working days prior notice. 6.2. The total charges incurred under each Card Account by Subject to Maybank’s discretion and approval, Maybank may provide you the Principal flexibility to spend beyond your credit limit to ensure you do not experience any interruption when using Maybank Credit Card(s). 6.3. Where a prescribed credit limit is assigned and made known to the Cardmember, the Cardmember and the Supplementary Cardmember(s) when added together, must shall not exceed the prescribed credit limit set for each Card Accountassigned/established by the Bank unless prior written approval to exceed this limit is obtained by the Cardmember from the Bank. We may, where necessary, review and revise The Cardmember further undertakes not to effect any purchases or transactions within or outside Malaysia which may cause the aggregate outstanding balance of your credit limits without notice. References the Cardmember’s obligation to “the Bank to exceed such credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.26.4. WHERE CHARGES EXCEED CREDIT LIMIT We may choose Where the Cardmember has been issued with a American Express, a MasterCard and a Visa Card and/or where Supplementary Card(s) have been issued, and where a prescribed credit limit is assigned and is made known to approve certain Card Transactions that would result in the Cardmember, such prescribed credit limit shall constitute the credit limit being exceededcommon to and shared by all the aforementioned cards in that aggregate purchases or transactions under all the said cards shall not at any time exceed the prescribed credit limit. 6.5. Notwithstanding the aforesaid, the Cardmember shall remain and be liable for all his liabilities including but not limited to all purchases, cash advances and transactions exceeding such credit limit. In amplification and not in derogation of the aforesaid, the Bank is not duty bound in any credit limit way whatsoever to ensure that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse is not exceeded by the Cardmember. The Cardmember shall not be entitled under any circumstances to authorise or approve any Card Transaction even though demand that the prescribed credit limit has not been and would or the unutilized prescribed credit limit be made available by the Bank for the Cardmember’s use. The Bank shall not be exceeded if such Card Transaction had been effectedunder any obligation either at law or in equity to make or continue to make available the prescribed credit limit or the unutilised prescribed credit limit for utilisation by the Cardmember. 3.36.6. CHARGES TO CARD ACCOUNT We may charge and debit the relevant Card Account (whether before The availability or after the termination continuation of the use of prescribed credit limit extended to the Cardmember is subject to reviews which may be undertaken by the Bank from time to time or at any or all Cardstime. 6.7. The Bank may (but shall not be obliged to) at any time and from time to time contact the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due Cardmember to us validate a transaction carried out on the Card Account may as a consequence measure to prevent any possible unauthorised use of any such charge or debit exceed the Credit Limit; and b. Card. In the event that the Bank is unable to contact the Cardmember the Bank may (but shall not be obliged to) decline the transaction without liability to the Bank. In the event the Bank permits the transaction to be carried out, the Cardmember shall remain liable for the charges and/or debts incurred and/or monies withdrawn. 6.8. The Bank has the right to impose a ceiling in percentage terms on the quantum of Card Transaction was effected by Limit and the use of any Card or Security Procedure of any Card after Cardmember’s available balance which can be utilised for the loss or theft of that Card or disclosure of Cash Withdrawals. The Bank further has the Security Procedure right to vary such ceiling percentage from time to time as the Bank in respect of that Card provided nevertheless no amount its absolute discretion deems fit. 6.9. Maybank shall be debited entitled at any time at its absolute discretion and without the need to provide any reasons, to revise, vary and/or reduce the Cardmember’s Credit Limit and such change of Credit Limit takes effect immediately upon notification to the Card Account Cardmember. The Cardmember shall be deemed notified when such change of Credit Limit is reflected in respect the monthly statement of any Card Transaction effected without your knowledge or authority after notice of the loss or theft of that Card or the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issuedaccount.

Credit Limit. 3.16.1 The Bank shall conduct periodic review at regular intervals of the Card Account(s) basis your activity on USFBL Credit Card in accordance to internal policies of the Bank. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We Basis such review, your Credit Limit may set be subject to reduction at Bank’s sole discretion. Any change in Credit Limit shall be notified to you from time to time. You may, however, request for a lower limit for the Card Account, and for the Additional Card member. The Bank, in this situation, basis your request, would revise the Credit Limit. The New Credit Limit assigned to an overall Additional Card member shall be restored to the assigned limit after every billing cycle. Your Credit Limit will also be shown on your monthly statement, together with the available credit amount at the statement closing date. 6.2 Use of the Card at Merchant Establishment will be limited by the credit limit in respect of each Card Account. The total charges incurred under assigned to each Card Account by the Principal Cardmember and Bank. In case of Additional Cards issued by the Supplementary Cardmember(s) when added togetherBank, the extent of use of these Cards so issued, will be limited by the Card Account's Credit Limit. The outstanding on the Card Account must not exceed the credit limit set for each Card AccountCredit Limit at any time. We mayIn the event of breach of this provision, where necessaryyou will be charged a fee at the prevailing rate, review and revise any of your credit limits without notice. References to “credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2. WHERE CHARGES EXCEED CREDIT LIMIT We may choose to approve certain Card Transactions that would result in the credit limit being exceeded. Notwithstanding any credit limit that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse to authorise or approve any Card Transaction even though the credit limit has not been and would not be exceeded if such Card Transaction had been effected. 3.3. CHARGES TO CARD ACCOUNT We may charge and debit the relevant Card Account (whether before or after the termination irrespective of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by which you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due to us on the Card Account may as a consequence of any such charge or debit exceed the Credit Limit; and. You must repay the excess amount immediately. The above-mentioned fee is subject to change at the sole discretion of the Bank. b. that 6.3 Your Credit Limit and Card Account will be terminated if your Card is cancelled. If you fail to settle the Minimum Amount Due on or before the Payment Due Date, the Bank reserves the absolute right to withhold the facility on the Card Transaction was effected by the use of any Card or Security Procedure of any Card after the loss or theft of that Card or disclosure of the Security Procedure in respect of that Card provided nevertheless no amount shall be debited to till such time the Card Account is regularised. 6.4 In the event you make payment over and above the amount due as per the monthly statement, you shall not be entitled to interest on the said credit balance amount, and the same shall be adjusted against the amount due in respect of any the subsequent monthly statement. 6.5 International limit assigned on your Credit Card Transaction effected without your knowledge indicates the maximum usage limit for an overseas purchase transaction (including online) or authority after notice of the loss or theft of that Card or the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issuedATM usage.

Credit Limit. 3.1. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall 6.1 Notwithstanding that a prescribed credit limit in respect of each Card Account. The total charges incurred under each Card Account by may not be assigned or known to the Principal Cardmember, the Bank may at any time at its sole discretion set such a limit for its control purposes after giving the Cardmember three (3) working days prior notice. 6.2 Subject to Maybank’s discretion and approval, Maybank may provide you the Supplementary Cardmember(s) flexibility to spend beyond your credit limit to ensure you do not experience any interruption when added togetherusing Maybank Credit Card(s). 6.3 Where a prescribed credit limit is assigned and made known to the Cardmember, must the Cardmember shall not exceed the prescribed credit limit set for each Card Accountassigned/established by the Bank unless prior written approval to exceed this limit is obtained by the Cardmember from the Bank. We may, where necessary, review and revise The Cardmember further undertakes not to effect any purchases or transactions within or outside Malaysia which may cause the aggregate outstanding balance of your credit limits without notice. References the Cardmember’s obligation to “the Bank to exceed such credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2. WHERE CHARGES EXCEED CREDIT LIMIT We may choose 6.4 Where the Cardmember has been issued with a American Express, a MasterCard and a Visa Card and/or where Supplementary Card(s) have been issued, and where a prescribed credit limit is assigned and is made known to approve certain Card Transactions that would result in the Cardmember, such prescribed credit limit shall constitute the credit limit being exceededcommon to and shared by all the aforementioned cards in that aggregate purchases or transactions under all the said cards shall not at any time exceed the prescribed credit limit. 6.5 Notwithstanding the aforesaid, the Cardmember shall remain and be liable for all his liabilities including but not limited to all purchases, cash advances and transactions exceeding such credit limit. Notwithstanding In amplification and not in derogation of the aforesaid, the Bank is not duty bound in any credit limit way whatsoever to ensure that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse is not exceeded by the Cardmember. The Cardmember shall not be entitled under any circumstances to authorise or approve any Card Transaction even though demand that the prescribed credit limit has not been and would or the unutilized prescribed credit limit be made available by the Bank for the Cardmember’s use. The Bank shall not be exceeded if such Card Transaction had been effectedunder any obligation either at law or in equity to make or continue to make available the prescribed credit limit or the unutilised prescribed credit limit for utilisation by the Cardmember. 3.3. CHARGES TO CARD ACCOUNT We may charge and debit the relevant Card Account (whether before 6.6 The availability or after the termination continuation of the use of prescribed credit limit extended to the Cardmember is subject to reviews which may be undertaken by the Bank from time to time or at any or all Cardstime. 6.7 The Bank may (but shall not be obliged to) at any time and from time to time contact the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due Cardmember to us validate a transaction carried out on the Card Account may as a consequence measure to prevent any possible unauthorised use of any such charge or debit exceed the Credit Limit; and b. Card. In the event that the Bank is unable to contact the Cardmember the Bank may (but shall not be obliged to) decline the transaction without liability to the Bank. In the event the Bank permits the transaction to be carried out, the Cardmember shall remain liable for the charges and/or debts incurred and/or monies withdrawn. 6.8 The Bank has the right to impose a ceiling in percentage terms on the quantum of Card Transaction was effected by Limit and the use of any Card or Security Procedure of any Card after Cardmember’s available balance which can be utilised for the loss or theft of that Card or disclosure of Cash Withdrawals. The Bank further has the Security Procedure right to vary such ceiling percentage from time to time as the Bank in respect of that Card provided nevertheless no amount its absolute discretion deems fit. 6.9 Maybank shall be debited entitled at any time at its absolute discretion and without the need to provide any reasons, to revise, vary and/or reduce the Cardmember’s Credit Limit and such change of Credit Limit takes effect immediately upon notification to the Card Account Cardmember. The Cardmember shall be deemed notified when such change of Credit Limit is reflected in respect the monthly statement of any Card Transaction effected without your knowledge or authority after notice of the loss or theft of that Card or the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issued.account

Credit Limit. 3.1. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall credit limit in respect of each Card Account. 13.1 The total charges incurred under each Card Account by the Principal Cardmember and the Supplementary Cardmember(s) when added together, must Cardholder shall not exceed the Credit Limit and shall make good any excess thereof immediately upon receipt of the Statement and/or to such other notices by BSN showing such excess. The Cardholder further undertakes not to affect any purchases or transactions within or outside Malaysia which may cause the Credit Limit to be exceeded in aggregate. 13.2 Where Supplementary Card(s) have been issued, and where a prescribed Credit Limit is assigned and is made known to the Cardholder, such prescribed Credit Limit shall constitute the Credit Limit common to and shared by all the aforementioned Cards in aggregate. 13.3 BSN shall obtain the Cardholder’s acceptance before any increase in Credit Limit. Notwithstanding the aforesaid, BSN reserves its right to reduce the Credit Limit due to the Cardholder’s poor credit limit set performance and/or difficulty in meeting repayments and/or any other circumstances that BSN deems fit. 13.4 Notwithstanding the aforesaid, the Cardholder shall remain and be liable for each Card Accountall his liabilities including but not limited to all purchases, Cash Advances and transactions exceeding such Credit Limit. We mayIn amplification and not in derogation of the aforesaid, where necessary, review BSN is not duty bound in any way whatsoever to ensure that the Credit Limit is not exceeded by the Cardholder. 13.5 The Cardholder shall not be entitled under any circumstances to demand that the prescribed Credit Limit or the unutilised prescribed Credit Limit be made available by BSN for the Cardholder's use. BSN shall not be under any obligation either at law or in equity to make or continue to make available the prescribed Credit Limit or the unutilised prescribed Credit Limit for utilisation by the Cardholder. 13.6 The availability or continuation of the prescribed Credit Limit extended to the Cardholder is subject to reviews which may be undertaken by BSN from time to time or at any time. 13.7 In addition and revise without prejudice to any of your credit limits without notice. References to “credit limit” BSN’s other rights contained in this Clause Agreement, following BSN’s aforementioned review BSN shall includegive adequate prior notice to the Cardholder and without any obligation whether at law or in equity to give any reasons therefore to vary or amend the prescribed Credit Limit of the Cardholder, where relevant, particularly if there is a reduction in the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cardsprescribed Credit Limit. 3.2. WHERE CHARGES EXCEED CREDIT LIMIT We 13.8 BSN may choose to approve certain Card Transactions that would result in the credit limit being exceeded. Notwithstanding any credit limit that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse to authorise or approve any Card Transaction even though the credit limit has not been and would (but shall not be exceeded if such Card Transaction had been effected. 3.3. CHARGES TO CARD ACCOUNT We may charge obliged) at any time and debit from time to time contact the relevant Card Account (whether before or after the termination of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due Cardholder to us validate a transaction carried out on the Card Account may as a consequence of measure to prevent any such charge or debit exceed the Credit Limit; and b. that the Card Transaction was effected by the possible unauthorised use of any Card or Security Procedure of any Card after the loss or theft of Card. In the event that Card or disclosure of BSN is unable to contact the Security Procedure in respect of that Card provided nevertheless no amount Cardholder, BSN may (but shall not be debited obliged) decline the transaction without liability to BSN. In the Card Account in respect of any Card Transaction effected without your knowledge or authority after notice of event BSN permits the loss or theft of that Card or transaction to be carried out, the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents Cardholder shall remain liable for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issuedcharges and/or debts incurred and/or monies withdrawn.

Credit Limit. 3.1. 3.1 CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an on overall credit limit in respect of for each Card Account. The total charges incurred under each Card Account by the Principal Cardmember and the Supplementary Cardmember(s) you when added together, must not exceed the credit limit set for each Card Account. We may, where necessary, review and revise any of your credit limits without notice. References to “credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2. 3.2 WHERE CHARGES EXCEED CREDIT LIMIT We may choose to approve certain Card Transactions that would result in the credit limit being exceeded. Notwithstanding On any occasion where the credit limit relating to your Card Account has been exceeded, you shall immediately pay us the amount in excess of your credit limit. We may also refuse to authorise any card transaction that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction you wish to effect even though such card transaction may exceed or would as a consequence exceed not cause the credit limit or refuse to authorise or approve any Card Transaction even though the credit limit has not been and would not be exceeded if such Card Transaction had been effectedexceeded. 3.3. 3.3 CHARGES TO CARD ACCOUNT We may charge and debit the relevant Card Account (whether before or after the termination of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, instance whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due to us on the Card Account may as a consequence of any such charge or debit exceed the Credit Limit; and b. notwithstanding that the Card Transaction was effected by the use of any Card or the Security Procedure of any Card after the loss or theft of that Card or disclosure of the Security Procedure in respect of that Card provided nevertheless no amount shall be debited to the Card Account in respect of any Card Transaction effected without your knowledge or authority after notice of the loss or theft of that Card or the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issued.

Credit Limit. 3.1The total credit limit applies to the Account, even if there is more than one Card issued on the Account. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We show the credit limit on your and, as applicable, the Authorized Offcer Cardholder’s Card Carrier and on the Account statement. We will obtain your express consent and, as applicable, the express consent of the Authorized Offcer Cardholder before increasing the credit limit. We may set an overall reduce the credit limit at any time without telling you and, as applicable, the Authorized Offcer Cardholder in respect of each Card Accountadvance. We are entitled to review the Account from time to time without prejudice to Meridian and we may share such information as is necessary under this Agreement. The total charges incurred under each Card Business, you and, as applicable, the Authorized Offcer Cardholder shall to deliver to Meridian, or as we may direct, any information which we may require from time to time with respect to the Business’ and or your personal fnancial affairs, to ensure the Account by and information thereto is current and to maintain the Principal Cardmember and integrity of the Supplementary Cardmember(s) when added togethercredit reporting system. You and, must as applicable, the Authorized Offcer Cardholder shall ensure that all Authorized Users comply with this requirement. Failure to provide us with such information shall result in the Account not being in good standing. Cardholders do not have the right to exceed the credit limit set for each Card of the Account. We may, where necessary, review and revise any of your credit limits without notice. References If we allow the Cardholders to “exceed the credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s))Business and, as well applicable, you will be responsible for and will pay the over limit fee set out in the Card Carrier or in any notice that we provide to Business, you and, as applicable, the aggregate Card spending Authorized Offcer Cardholder. We will only charge one over limit fee in relation any monthly Account statement period. Any Cash Advance or Purchase which results in the Account credit limit being exceeded shall be regarded as a request to your Cards. 3.2increase its credit limit to the maximum amount that can then be granted to the Account, taking into consideration Meridian’s applicable credit granting standards. WHERE CHARGES EXCEED CREDIT LIMIT We Meridian has no obligation to allow the Cardholders to exceed the credit limit of the Account, even if it has done so in the past. You understand that ▇▇▇▇▇▇▇▇ may choose decide not to approve certain Card Transactions authorize any transaction that would will result in the credit limit of the Account being exceeded. Notwithstanding any credit limit exceeded or that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse to authorise or approve any Card Transaction even though takes place after the credit limit has been exceeded. The Business and you are liable for the entire balance on the Account, whether or not been it exceeds the credit limit. The Business and would not be exceeded if such Card Transaction had been effected. 3.3you agree to repay forthwith on demand any amount that exceeds the credit limit of the Account. CHARGES TO CARD ACCOUNT We may charge modify, suspend or reduce the credit limit at any time and debit from time to time without notice. The Account shall be deemed to be in default and the relevant Card Account (whether before or after the termination outstanding indebted shall be immediately due and payable and security given herewith shall become enforceable if any of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due to us on the Card Account may as a consequence of any such charge or debit exceed the Credit Limit; and b. that the Card Transaction was effected by the use of any Card or Security Procedure of any Card after the loss or theft of that Card or disclosure following occur: • Any of the Security Procedure in respect of that Card provided nevertheless no amount shall be debited Business, Primary Cardholder or Additional Cardholder fails to the Card Account perform or observe any covenant whether or not contained herein in respect of any Card Transaction effected without your knowledge obligation to Meridian or authority after notice fails to ensure that any Authorized User complies with the terms of this Agreement. • Any of the loss Business, Primary Cardholder or theft Additional Cardholder commits or threatens to commit an act of that Card bankruptcy or becomes insolvent or makes an assignment or proposal under the disclosure Bankruptcy and Insolvency Act (Canada), as amended, replaced or superseded, or, as applicable, any similar legislation or a general assignment in favour of his or her creditors or otherwise acknowledges his or her insolvency or an attachment, execution or levy against his or her property is made, or if any bankruptcy petition should be fled or presented against the Security Procedure Member. • The Business ceases to be a Member in good standing of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issuedMeridian.

Credit Limit. 3.1. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall credit limit in respect of each The Card Carrier known as welcome letter enclosing the Credit Card will show the initial Credit Limit applicable to the Cardmember’s Account. The total charges incurred under each Credit Limit will also be shown on monthly Statement together with the amount of Available Credit at the Statement closing date. The Credit Limit should be the maximum amount that can be outstanding and owing to the Bank, on the Card Account by at any point of time. The Bank reserves the Principal Cardmember right to increase or decrease the limit from time to time. The Bank may also establish separate limits for Cash and Non-Cash Transactions (within the Supplementary Cardmember(s) when added together, overall Credit Limit of the Card Account). The Total Outstanding Balance must not exceed the credit Credit Limit. Any amount in excess of the limit set for each Card Accountmust be paid immediately and will attract fees and service charges as applicable from time to time. We may, where necessary, review regard shall be final and revise any of your credit limits without noticebinding on the customers. References to “credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2. WHERE CHARGES EXCEED CREDIT LIMIT We may choose to approve certain Card Transactions that would result in the credit limit being exceeded. Notwithstanding any credit limit that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse to authorise or approve any Card Transaction even though the credit limit has not been and would The Cardmember will not be exceeded if such Card Transaction had been effected. 3.3. CHARGES TO CARD ACCOUNT We may charge and debit the relevant Card Account (whether before or after the termination of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled entitled to interest on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due to us credit balances on the Card Account and the same will also not be included in the Available Credit Limit on the Card Account. With a view to ensure that the Credit Card is being used as per the regulatory guidelines, Terms and Conditions and applicable policies of the Bank, Bank shall have a right to run periodic checks on the Credit Card usage to identify whether there is excessive utilization of credit limit beyond the sanctioned limit in one statement cycle, unusual or excessive utilization at few select merchants, possible collusion with merchant and/or, over-use/ misuse of features/ offers/ programs towards accumulation of undue reward points/ cash back / other benefits amongst others. Based on the usage patterns, if any of these is suspected by the Bank, Bank may take restrictive action on the Credit Card. Such action can be with immediate effect and may include but not be limited to withdrawal of features/ benefits as a consequence well as complete termination of the Credit Card. If any such charge or debit exceed action is taken by the Bank onus will be on customer to provide satisfactory proof of bona fide usage to reinstate the Credit Limit; and b. that the Card Transaction was effected and attached features/ benefits as may be deemed fit by the use of Bank. Bank’s decision in this regard shall be final and binding on the customers. Credit Limit on any Card Account may be reviewed as per Bank Policies specified from time to time and the Bank reserves the right to revise (increase or Security Procedure of decrease) and/or unconditionally cancel the limit assigned on a card without any Card after the loss or theft of that Card or disclosure of the Security Procedure in respect of that Card provided nevertheless no amount shall be debited prior notice to the Card Account in respect of any Card Transaction effected without your knowledge or authority after notice of the loss or theft of that Card or the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issuedCardmember.

Credit Limit. 3.1. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall credit limit in respect of each Card Account. 13.1 The total charges incurred under each Card Account by the Principal Cardmember and the Supplementary Cardmember(s) when added together, must Cardholder shall not exceed the Credit Limit and shall make good any excess thereof immediately upon receipt of the Statement and/or to such other notices by BSN showing such excess. The Cardholder further undertakes not to affect any purchases or transactions within or outside Malaysiawhich may cause the Credit Limit to be exceeded in aggregate. 13.2 Where Supplementary Card(s) have been issued, and where a prescribed Credit Limit is assigned and is made known to the Cardholder, such prescribed Credit Limit shall constitute the Credit Limit common to and shared by all the aforementioned Cards in aggregate. 13.3 BSN shall obtain the Cardholder’s acceptance before any increase in Credit Limit. Notwithstanding the aforesaid, BSN reserves its right to reduce the Credit Limit due to the Cardholder’s poor credit limit set performance and/or difficulty in meeting repayments and/or any other circumstances that BSN deems fit. 13.4 Notwithstanding the aforesaid, the Cardholder shall remain and be liable for each Card Accountall his liabilities including but not limited to all purchases, Cash Advances and transactions exceeding such Credit Limit. We mayIn amplification and not in derogation of the aforesaid, where necessary, review BSN is not duty bound in any way whatsoever to ensure that the Credit Limit is not exceeded by the Cardholder. 13.5 The Cardholder shall not be entitled under any circumstances to demand that the prescribed Credit Limit or the unutilised prescribed Credit Limit be made available by BSN for the Cardholder's use. BSN shall not be under any obligation either at law or in equity to make or continue to make available the prescribed Credit Limit or the unutilised prescribed Credit Limit for utilisation by the Cardholder. 13.6 The availability or continuation of the prescribed Credit Limit extended to the Cardholder is subject to reviews which may be undertaken by BSN from time to time or at any time. 13.7 In addition and revise without prejudice to any of your credit limits without notice. References to “credit limit” BSN’s other rights contained in this Clause Agreement, followingBSN’s aforementioned review BSN shall includegive adequate prior notice to the Cardholder and without any obligation whether at law or in equity to give any reasons therefore to vary or amend the prescribedCredit Limit of the Cardholder, where relevant, particularly if there is a reduction in the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cardsprescribed Credit Limit. 3.2. WHERE CHARGES EXCEED CREDIT LIMIT We 13.8 BSN may choose to approve certain Card Transactions that would result in the credit limit being exceeded. Notwithstanding any credit limit that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse to authorise or approve any Card Transaction even though the credit limit has not been and would (but shall not be exceeded if such Card Transaction had been effected. 3.3. CHARGES TO CARD ACCOUNT We may charge obliged) at any time and debit from time to time contact the relevant Card Account (whether before or after the termination of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due Cardholder to us validate a transaction carried out on the Card Account may as a consequence of measure to prevent any such charge or debit exceed the Credit Limit; and b. that the Card Transaction was effected by the possible unauthorised use of any Card or Security Procedure of any Card after theCard. In the loss or theft of event that Card or disclosure of BSN is unable to contact the Security Procedure in respect of that Card provided nevertheless no amount Cardholder, BSN may (but shall not be debited obliged)decline the transaction without liability to BSN. In the Card Account in respect of any Card Transaction effected without your knowledge or authority after notice of event BSN permits the loss or theft of that Card or transaction to be carried out, the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents Cardholder shall remain liable for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issuedcharges and/or debts incurred and/or monies withdrawn.

Credit Limit. 3.1. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall 6.1 Notwithstanding that a prescribed credit limit in respect of each Card Account. The total charges incurred under each Card Account by may not be assigned or known to the Principal Cardmember, the Bank may at any time at its sole discretion set such a limit for its control purposes after giving the Cardmember three (3) working days prior notice. 6.2 Subject to Maybank’s discretion and approval, Maybank may provide you the Supplementary Cardmember(s) flexibility to spend beyond your credit limit to ensure you do not experience any interruption when added togetherusing Maybank Credit Card(s). 6.3 Where a prescribed credit limit is assigned and made known to the Cardmember, must the Cardmember shall not exceed the prescribed credit limit set for each Card Accountassigned/established by the Bank unless prior written approval to exceed this limit is obtained by the Cardmember from the Bank. We may, where necessary, review and revise The Cardmember further undertakes not to effect any purchases or transactions within or outside Malaysia which may cause the aggregate outstanding balance of your credit limits without notice. References the Cardmember’s obligation to “the Bank to exceed such credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2. WHERE CHARGES EXCEED CREDIT LIMIT We may choose 6.4 Where the Cardmember has been issued with a American Express, a MasterCard and a Visa Card and/or where Supplementary Card(s) have been issued, and where a prescribed credit limit is assigned and is made known to approve certain Card Transactions that would result in the Cardmember, such prescribed credit limit shall constitute the credit limit being exceededcommon to and shared by all the aforementioned cards in that aggregate purchases or transactions under all the said cards shall not at any time exceed the prescribed credit limit. 6.5 Notwithstanding the aforesaid, the Cardmember shall remain and be liable for all his liabilities including but not limited to all purchases, cash advances and transactions exceeding such credit limit. Notwithstanding In amplification and not in derogation of the aforesaid, the Bank is not duty bound in any credit limit way whatsoever to ensure that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse is not exceeded by the Cardmember. The Cardmember shall not be entitled under any circumstances to authorise or approve any Card Transaction even though demand that the prescribed credit limit has not been and would or the unutilized prescribed credit limit be made available by the Bank for the Cardmember’s use. The Bank shall not be exceeded if such Card Transaction had been effectedunder any obligation either at law or in equity to make or continue to make available the prescribed credit limit or the unutilised prescribed credit limit for utilisation by the Cardmember. 3.3. CHARGES TO CARD ACCOUNT We may charge and debit the relevant Card Account (whether before 6.6 The availability or after the termination continuation of the use of prescribed credit limit extended to the Cardmember is subject to reviews which may be undertaken by the Bank from time to time or at any or all Cardstime. 6.7 The Bank may (but shall not be obliged to) at any time and from time to time contact the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due Cardmember to us validate a transaction carried out on the Card Account may as a consequence measure to prevent any possible unauthorised use of the Card. In the event that the Bank is unable to contact the Cardmember the Bank may (but shall not be obliged to) decline the transaction without liability to the Bank. In the event the Bank permits the transaction to be carried out, the Cardmember shall remain liable for the charges and/or debts incurred and/or monies withdrawn. 6.8 The Bank has the right to impose a ceiling in percentage terms on the quantum of Card Limit and the Cardmember’s available balance which can be utilised for the Cash Withdrawals. The Bank further has the right to vary such ceiling percentage from time to time as the Bank in its absolute discretion deems fit. 6.9 Maybank shall be entitled at any time at its absolute discretion and without the need to provide any reasons, to revise, vary and/or reduce the Cardmember’s Credit Limit and such charge change of Credit Limit takes effect immediately upon notification to the Cardmember. The Cardmember shall be deemed notified when such change of Credit Limit is reflected in the monthly statement of account 7.1 Upon receipt of the monthly statement of account of his/her Credit card Account, the Cardmember may make payment as follows: (a) to pay the entire amount of the Total New Balance on or debit exceed before the Due Date. (b) alternatively, to make Minimum Payment as follows:- (i) where the Total New Balance is within the Credit Limit; and, not less than five per centum (5%) of the Total New Balance subject to a minimum of Ringgit Malaysia Twenty Five (RM25.00) only. b. (ii) where the Total New Balance is in excess of the Credit Limit, the whole of the amount in excess thereof together with five per centum (5%) of the Total New Balance. Provided always that the Card Transaction was effected Minimum Payment shall also include the amount Past Due as shown on the monthly statement of account. 7.2 Finance Charges Conditions Payments Months / Total 12 Months Interest Rate Per Month Per Annum For Prompt Repayment of 12/12 months 1.25% 15% For Prompt Repayment of 10/12 months 1.42% 17% For Prompt Repayment of less than 10/12 months 1.50% 18% Finance Charges is imposed on the outstanding retail and cash advances/ withdrawal transaction that is not paid after the payment due date. For retail transaction, finance charge is calculated from posting sate till full payment is made. For cash advance/ withdrawal transaction, finance charge is calculated from the transaction date till full payment is made. 7.3 If the minimum payment is not made by the use of any Card or Security Procedure of any Card after the loss or theft of that Card or disclosure payment due date, a late payment charge will be levied at 1% of the Security Procedure in respect unpaid retail and cash advances/withdrawal transaction outstanding balance, subject to a minimum of that Card provided nevertheless no amount shall be debited RM10, whichever is higher up to the Card Account in respect a maximum of any Card Transaction effected without your knowledge or authority after notice of the loss or theft of that Card or the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issuedRM100.

Credit Limit. 3.1. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall credit limit The initial Credit Limit appears in respect of each Card Accountthe letter included in the Welcome Package provided to the Business. The total charges incurred under each Card monthly statement will indicate the current Credit Limit for the Business Account by the Principal Cardmember and the Supplementary Cardmember(s) when added together, must not exceed the credit limit set for each Card Account. We may, where necessary, review and revise any of your credit limits without notice. References to “credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2Available Credit as of the date of the monthly statement. WHERE CHARGES EXCEED CREDIT LIMIT We may choose to approve certain Card Transactions decrease the Credit Limit at any time and will not increase the Credit Limit without obtaining the express consent of the Business. Approvals of Credit Limit increases are at our sole discretion. We will set one Credit Limit for the Business Account which represents the total Credit Limit that would result in is shared among all Cards issued on the Business Account. We may set a separate cash advance limit for cash related activities on the Business Account (such as Cash Advances and Balance Transfers). The cash advance limit is not additional credit beyond the Credit Limit but is a specific limit being exceededfor cash related activities and interest on these items. Notwithstanding any credit You may also have a daily limit for Cash Advances that may be set or imposed, we withdrawn from the Business Account. These limits may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse be adjusted from time to authorise or approve any Card Transaction even though the credit limit has not been and would time by us without notice to you. Cards must not be exceeded if used in a manner which would cause the Balance of the Business Account to exceed, at any time, the authorized Credit Limit of the Business Account in effect at such Card Transaction had been effected. 3.3time, unless we approve the particular Transaction. CHARGES TO CARD ACCOUNT We may charge and debit from time to time, at our discretion, authorize Transactions that cause the relevant Card Account (whether before or after the termination of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due Balance to us on the Card Account may as a consequence of any such charge or debit exceed the Credit Limit; and b. . However, you understand that while we may authorize any Transactions that cause the Card Transaction was effected Balance to exceed the Credit Limit, we are not required to do so even if we have done so in the past. Although we are not required to, if we have permitted you to exceed the authorized Credit Limit of the Business Account, the Business and each Authorized Signatory will be jointly and severally liable to pay the amount that exceeds the Credit Limit, on demand, and any over limit fee that we may charge. The Business and each Authorized Signatory remain jointly and severally liable for all amounts owing on the Business Account, whether or not it exceeds the Credit Limit. The Business or any Authorized Signatory may contact us or use Online Services to set an Additional Cardholder Spending Limit for any Additional Cardholder on the Business Account, which the Business or any Authorized Signatory may adjust or remove at any time. The Additional Cardholder Spending Limit(s) will be subject to the overall Credit Limit and cash advance limit on the Business Account, so the funds available to an Additional Cardholder may be less than the Additional Cardholder Spending Limit. The Business and each Authorized Signatory will continue to be fully liable on a joint and several basis for the Business Account. Some merchants may require that certain Purchases be pre-authorized. In such cases the Available Credit will decrease by the use pre-authorized amount, regardless of any Card whether you receive goods or Security Procedure of any Card after the loss or theft of services at that Card or disclosure of the Security Procedure in respect of that Card provided nevertheless no amount shall be debited to the Card Account in respect of any Card Transaction effected without your knowledge or authority after notice of the loss or theft of that Card or the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issuedtime.

Credit Limit. 3.1. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall credit limit in respect of each Card Account. The total charges incurred under each Card Account by the Principal Cardmember and the Supplementary Cardmember(s) when added together, must not exceed the credit limit set for each Card Account. We may, where necessary, review and revise any of your credit limits without notice. References to “credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2. WHERE CHARGES EXCEED CREDIT LIMIT We may choose to approve certain Card Transactions that would result in the credit limit being exceeded. Notwithstanding any credit limit that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse to authorise or approve any Card Transaction even though the credit limit has not been and would not be exceeded if such Card Transaction had been effected. 3.3. CHARGES TO CARD ACCOUNT Oversea-Chinese Banking Corporation Limited ▇▇.▇▇▇.▇▇.: 193200032W We may charge and debit the relevant Card Account (whether before or after the termination of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due to us on the Card Account may as a consequence of any such charge or debit exceed the Credit Limit; and b. that the Card Transaction was effected by the use of any Card or Security Procedure of any Card after the loss or theft of that Card or disclosure of the Security Procedure in respect of that Card provided nevertheless no amount shall be debited to the Card Account in respect of any Card Transaction effected without your knowledge or authority after notice of the loss or theft of that Card or the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issued.

Credit Limit. 3.1. 3.1 CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an on overall credit limit in respect of for each Card Account. The total charges incurred under each Card Account by the Principal Cardmember and the Supplementary Cardmember(s) you when added together, must not exceed the credit limit set for each Card Account. We may, where necessary, review and revise any of your credit limits without notice. References to “credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2. 3.2 WHERE CHARGES EXCEED CREDIT LIMIT We may choose to approve certain Card Transactions that would result in the credit limit being exceeded. Notwithstanding On any occasion where the credit limit relating to your Card Account has been exceeded, you shall immediately pay us the amount in excess of your credit limit. We may also refuse to authorise any card transaction that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction you wish to e ect even though such card transaction may exceed or would as a consequence exceed not cause the credit limit or refuse to authorise or approve any Card Transaction even though the credit limit has not been and would not be exceeded if such Card Transaction had been effectedexceeded. 3.3. 3.3 CHARGES TO CARD ACCOUNT We may charge and debit the relevant Card Account (whether before or after the termination of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, instance whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due to us on the Card Account may as a consequence of any such charge or debit exceed the Credit Limit; and b. notwithstanding that the Card Transaction was effected by the use of any Card or the Security Procedure of any Card after the loss or theft of that Card or disclosure of the Security Procedure in respect of that Card provided nevertheless no amount shall be debited to the Card Account in respect of any Card Transaction effected without your knowledge or authority after notice of the loss or theft of that Card or the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issued.

Credit Limit. 3.1At or near the time the Card Account is opened, you will be provided with the maximum aggregate amount of Charges that may remain outstanding at any time in the Card Account. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall credit limit in respect of each This amount will be the “Credit Limit” for the Card Account. The total charges incurred under each Card Account by the Principal Cardmember and the Supplementary Cardmember(s) when added together, must not exceed the credit limit set for each Card Account. We may, where necessary, review and revise any of your credit limits without notice. References to “credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2. WHERE CHARGES EXCEED CREDIT LIMIT We may choose to approve certain Card Transactions that would result in the credit limit being exceeded. Notwithstanding any credit limit that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse to authorise or approve any Card Transaction even though the credit limit has not been and would not be exceeded if such Card Transaction had been effected. 3.3. CHARGES TO CARD ACCOUNT We may charge and debit the relevant Card Account (whether before or after the termination of the use of any or Credit Limit is shared among all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due to us Cards issued on the Card Account and any applicable Instalment Plans. If we require you to provide security funds in accordance with Section 8 below, your Credit Limit will be equal to the amount of security funds held by us as “Collateral Security.” For greater certainty, if we need to apply all or a portion of your security funds in satisfaction of your Obligations in accordance with Section 8 below, this means your Credit Limit will be reduced. If a Primary Cardholder has consented and/or requested, we may as a consequence of any such charge or debit exceed increase the Credit Limit. If you reside in the Province of Quebec, we may increase the Credit Limit only on the express request of the Primary Cardholder. The Primary Cardholder may request Neo to change the Credit Limit at any time; and b. however, we are not required to do so. You acknowledge that we may decrease the Credit Limit at any time and for any reason (whether you are in default or not) without notice to you. The current Credit Limit is shown on each monthly Statement. We may also limit the portion of your Credit Limit that may be used for Cash Advances. If you have reached the limit we have set for Cash Advances, we may, at our discretion, not allow you to draw further Cash Advances until you make payments that, in accordance with the manner in which we apply payments under this Agreement, reduce the portion of the outstanding Debt that relates to Cash Advances. You may also have a daily limit for Cash Advances that may be withdrawn. These limits may be adjusted from time to time by us without notice to you. Merchants may require that certain Purchases be pre-authorized. In such case, your available credit will decrease by the pre-authorized amount, regardless of whether you receive goods or services at that time. Cards must not be used in a manner which would cause the unpaid balance of the Card Transaction was effected by Account to exceed, at any time, the use authorized Credit Limit of any Card or Security Procedure of any Card after the loss or theft of that Card or disclosure of the Security Procedure in respect of that Card provided nevertheless no amount shall be debited to the Card Account in respect of any Card Transaction effected without your knowledge effect at such time, unless we or authority after notice our authorized agent approve the particular transaction. Although we are not required to, if we have permitted you to exceed the authorized Credit Limit of the loss Card Account, the Primary Cardholder must pay: (i) the amount that exceeds the Credit Limit, on demand, and (ii) except for residents of Québec, any over limit fee that we may charge. The Primary Cardholder remains liable for all Debt whether or theft of that Card or not it exceeds the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issuedCredit Limit.

Credit Limit. 3.1. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall credit limit in respect of each Card Account1. The total charges incurred under each Card Account by Issuing Bank has the Principal Cardmember and the Supplementary Cardmember(s) when added togetherright to set, must not exceed the credit limit set for each Card Account. We mayreview, where necessaryadjust, review and revise any of your credit limits without notice. References to “credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2. WHERE CHARGES EXCEED CREDIT LIMIT We may choose to approve certain Card Transactions that would result in the credit limit being exceeded. Notwithstanding any credit limit that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse to authorise or approve any Card Transaction even though the credit limit has not been and would not be exceeded if such Card Transaction had been effected. 3.3. CHARGES TO CARD ACCOUNT We may charge and debit the relevant Card Account (whether before or after the termination of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due to us on the Card Account may as a consequence of any such charge or debit exceed cancel the Credit Limit; and, temporary Credit Limit, exceeding Credit Limit, single overdraft limit and other limits of the credit card. To avoid any questions, the Credit Limits shall include the cash advance limit. Customers, who have activated the credit card cash advance function, may withdraw cashes within the cash advance limits prescribed by the Issuing Bank (regardless of whether such cash advance limits have been notified to the Customers) through ATMs or other ways permitted by the Issuing Bank. b. 2. The Issuing Bank will notify the Customer if it increase raise his/her Credit Limit by its initiative. And the Customer shall be deemed to agree on the Issuing Bank's increasing the Credit Limit from the sixth day in case of no notification from the Customer to the Issuing Bank of his/her objection to the Credit Limit increase within five days. After the afore-mentioned Credit Limit has been raised, the Customer can require for the recovery of the Credit Limit through Customer Service Hotline, credit card online account service (hereinafter, "online account service") or other ways provided or recognized by the Issuing Bank, otherwise it shall be deemed that the Card Transaction was effected Customer has accepted such Credit Limit increase. Whether the Customer has accepted such Credit Limit increase or not, he/she shall still be liable for the transaction amount and the interests and expenses incurred therefrom. 3. Under the circumstances that the Customer has both foreign currency and RMB credit cards, the Credit Limit under the credit card account should be the maximum overdraft amount totalling of such two types of credit cards. 4. The Customer shall use the card within the Credit Limit approved by the use of any Card or Security Procedure of any Card after the loss or theft of that Card or disclosure Issuing Bank and, upon its authorization and consent of the Security Procedure Issuing Bank, can activate the service which enables the Customer to use the card beyond the already set Credit Limit. 5. For any credit card without any transactions occurred in respect of that Card provided nevertheless no amount more than 6 months, the Issuing Bank shall be debited have the right to lower the Card Account in respect of any Card Transaction effected without your knowledge or authority after notice applicable Credit Limit of the loss or theft Customer's card and will notify the Customer in accordance with requirements of that Card or the disclosure of the Security Procedure of that Card has been given by you relevant laws and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issuedregulations.

Credit Limit. 3.1. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall credit limit The initial Credit Limit appears in respect of each Card Accountthe letter included in the Welcome Package provided to the Business. The total charges incurred under each Card monthly statement will indicate the current Credit Limit for the Business Account by the Principal Cardmember and the Supplementary Cardmember(s) when added together, must not exceed the credit limit set for each Card Account. We may, where necessary, review and revise any of your credit limits without notice. References to “credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2Available Credit as of the date of the monthly statement. WHERE CHARGES EXCEED CREDIT LIMIT We may choose to approve certain Card Transactions decrease the Credit Limit at any time and will not increase the Credit Limit without obtaining the express consent of the Business. Approvals of Credit Limit increases are at our sole discretion. We will set one Credit Limit for the Business Account which represents the total Credit Limit that would result in is shared among all Cards issued on the Business Account. We may set a separate cash advance limit for cash related activities on the Business Account (such as Cash Advances and Balance Transfers). The cash advance limit is not additional credit beyond the Credit Limit but is a specific limit being exceededfor cash related activities and interest on these items. Notwithstanding any credit You may also have a daily limit for Cash Advances that may be set or imposed, we withdrawn from the Business Account. These limits may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse be adjusted from time to authorise or approve any Card Transaction even though the credit limit has not been and would time by us without notice to you. Cards must not be exceeded if used in a manner which would cause the Balance of the Business Account to exceed, at any time, the authorized Credit Limit of the Business Account in effect at such Card Transaction had been effected. 3.3time, unless we approve the particular Transaction. CHARGES TO CARD ACCOUNT We may charge and debit from time to time, at our discretion, authorize Transactions that cause the relevant Card Account (whether before or after the termination of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due Balance to us on the Card Account may as a consequence of any such charge or debit exceed the Credit Limit; and b. . However, you understand that while we may authorize any Transactions that cause the Card Transaction was effected Balance to exceed the Credit Limit, we are not required to do so even if we have done so in the past. Although we are not required to, if we have permitted you to exceed the authorized Credit Limit of the Business Account, the Business and each Guarantor are liable to pay the amount that exceeds the Credit Limit, on demand, and any over limit fee that we may charge. The Business and each Guarantor remain liable for all amounts owing on the Business Account, whether or not it exceeds the Credit Limit. The Business or any Authorized Signatory may contact us or use Online Services to set an Additional Cardholder Spending Limit for any Additional Cardholder on the Business Account, which the Business or any Authorized Signatory may adjust or remove at any time. The Additional Cardholder Spending Limit(s) will be subject to the overall Credit Limit and cash advance limit on the Business Account, so the funds available to an Additional Cardholder may be less than the Additional Cardholder Spending Limit. The Business and each Guarantor will continue to be fully liable for the Business Account. Some merchants may require that certain Purchases be pre-authorized. In such cases the Available Credit will decrease by the use pre-authorized amount, regardless of any Card whether you receive goods or Security Procedure of any Card after the loss or theft of services at that Card or disclosure of the Security Procedure in respect of that Card provided nevertheless no amount shall be debited to the Card Account in respect of any Card Transaction effected without your knowledge or authority after notice of the loss or theft of that Card or the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issuedtime.

Credit Limit. 3.1. 3.1 CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall credit limit in respect of each Card Account. The total charges incurred under each Card Account by the Principal Cardmember and the Supplementary Cardmember(s) when added together, must not exceed the credit limit set for each Card Account. We may, where necessary, review and revise any of your credit limits without notice. References to “credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2. 3.2 WHERE CHARGES EXCEED CREDIT LIMIT We may choose to approve certain Card Transactions that would result in the credit limit being exceeded. Notwithstanding any credit limit that may be set or imposed, we may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse to authorise or approve any Card Transaction even though the credit limit has not been and would not be exceeded if such Card Transaction had been effected. 3.3. 3.3 CHARGES TO CARD ACCOUNT We may charge and debit the relevant Card Account (whether before or after the termination of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due to us on the Card Account may as a consequence of any such charge or debit exceed the Credit Limit; and b. that the Card Transaction was effected by the use of any Card or Security Procedure the PIN of any Card after the loss or theft of that Card or disclosure of the Security Procedure PIN in respect of that Card provided nevertheless no amount shall be debited to the Card Account in respect of any Card Transaction effected without your knowledge or authority after notice of the loss or theft of that Card or the disclosure of the Security Procedure PIN of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to the Card Account associated with the Card used for enrolment with the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issued.

Credit Limit. 3.1. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We At or near the time the Card Account is opened, we will advise you of the maximum aggre- gate amount of Debt that may set an overall credit limit remain outstanding at any time in respect of each the Card Account. The total charges incurred under each Card Account by This amount will be the Principal Cardmember and Business Credit Limit for the Supplementary Cardmember(s) when added together, must not exceed the credit limit set for each Card Account. We may, where necessaryin our sole discre- tion, review and revise change the Business Credit Limit from time to time by providing notice to ▇▇▇.▇▇▇ may request ATB to change the Business Credit Limit at any of your credit limits without notice. References to “credit limit” in this Clause shall includetime, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2. WHERE CHARGES EXCEED CREDIT LIMIT We may choose to approve certain Card Transactions that would result in the credit limit being exceeded. Notwithstanding any credit limit that may be set or imposedhowever, we may in our absolute discretion authorise are not required to do so. At or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed near the credit limit or refuse to authorise or approve any Card Transaction even though the credit limit has not been and would not be exceeded if such Card Transaction had been effected. 3.3. CHARGES TO CARD ACCOUNT We may charge and debit the relevant Card Account (whether before or after the termination of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due to us on time the Card Account is opened, you may as request the Card Account to be set up either on a consequence of any such charge restricted or debit exceed unrestricted basis. You may request that we change the account type after it is opened, however, we are not required to do so. We may, in our sole discretion, change the account type from time to time by providing notice to you. If the Card Account is set up on an unrestricted basis (Unrestricted Basis), each Cardholder will have access to the entire authorized Business Credit Limit; and b. that . However, Cards must not be used in a manner which would cause the unpaid balance of the Card Transaction was effected by Account to exceed, at any time, the use authorized Business Credit Limit of any Card or Security Procedure of any Card after the loss or theft of that Card or disclosure of the Security Procedure in respect of that Card provided nevertheless no amount shall be debited to the Card Account in respect of any Card Transaction effected without your knowledge or authority after notice effect at such time. Although we are not required to, if we have permitted you to exceed the authorized Business Credit Limit of the loss or theft of Card Account, you must pay upon demand by us the amount that Card or exceeds the disclosure of the Security Procedure of that Card has been given by you Business Credit Limit and received and acted upon by usany over limit fee we may charge. You warrant and confirm that you have obtained all requisite consents for the use of any Enabled Device(s). Unless OCBC notifies you otherwise in writing, Card Transactions made or effected via a Tokenised Card will be charged to If the Card Account associated with is set up on an restricted basis (Restricted Basis), you may request a cred- it limit for each Cardholder. This is the Card used Limit for enrolment each Cardholder Account. The aggre- gate total of all Card Limits for all Cardholders Accounts must not at any time exceed the Business Credit Limit for the Card Account. Even if you have requested the Card Account be set up on an Unrestricted Basis, we have the right to set a Card Limit for each Cardholder and we may change the Card Limit for any Cardholder from time to time. We will advise each Cardholder what their current Card Limit is on the disclosure statement (Card Carrier) sent to them with their Card. If the relevant Digital Payment Service via account is set up on a Restricted Basis, each Cardholder will have access only to their Card Limit and once the Enabled Device applicable Card Limit has been reached by a Cardholder, the Cardholder will not be able to access their Cardholder Account until the next Statement Date after the Credit Limit has been reached (provided the required payment for the Card Account has been received by us) as Card Limits refurbish monthly on each statement cycle date. You are responsible for ensuring that each Cardholder observes their Card Limit and following which such Tokenised will continue to be liable to ATB if ATB permits the Card was issuedLimit to be exceeded. Although we are not required to, if we have permitted the authorized Card Limit to be exceeded, you must pay upon demand by us the amount that exceeds the Card Limit and any over limit fee we may charge.

Credit Limit. 3.1(a) The Card Account is subject to a credit limit. CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT We may set an overall The credit limit applicable to the Card Account will not be shared with other credit card accounts opened with and maintained by PrimeCredit in respect my name. (b) I shall ensure that I have sufficient cash collateral in the Card Account before I can use the Card to carry out a Card Transaction. I understand that I may not be able to use the Card to effect any Card Transaction if the amount of each cash collateral in the Card AccountAccount is not sufficient, in which case such Card Transaction may be declined by PrimeCredit as it so chooses. The total charges incurred under each amount of cash collateral required in the Card Account shall be determined from time to time by the Principal Cardmember and the Supplementary Cardmember(sPrimeCredit in its absolute discretion. (c) when added together, must not exceed I understand that the credit limit set for each Card Account. We mayshall be determined in PrimeCredit's sole discretion, where necessary, review and revise any of your credit limits without notice. References to “credit limit” in this Clause shall include, where relevant, the various Card spending limits in respect of various modes of usage of each Card (such modes including use of Digital Payment Service(s)), as well as the aggregate Card spending limit in relation to your Cards. 3.2. WHERE CHARGES EXCEED CREDIT LIMIT We may choose to approve certain Card Transactions that would result in the credit limit being exceeded. Notwithstanding any credit limit that which may be set based on or imposed, we may in our absolute discretion authorise or allow any Card Transaction even though such transaction may exceed or would as a consequence exceed the credit limit or refuse to authorise or approve any Card Transaction even though the credit limit has not been and would not be exceeded if such Card Transaction had been effected. 3.3. CHARGES TO CARD ACCOUNT We may charge and debit the relevant Card Account with reference to: (whether before or after the termination of the use of any or all Cardsi) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device(s), and/or where any Card has been enrolled on multiple Enabled Device(s), and cash collateral available in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding: a. that the balance due to us on the Card Account may as from time to time (less any amounts incurred under a consequence Card Transaction and any Fees and Charges); or (ii) the results of any such charge or debit exceed PrimeCredit's periodic assessment of the Credit Limit; and b. that credit risks associated with the Card Transaction was effected by the use of any Card or Security Procedure of any Card after the loss or theft of that Card or disclosure Account (including but not limited to my account status, payment history and information made available to PrimeCredit from credit reference agencies). PrimeCredit may, but is not obliged to, notify me of the Security Procedure in respect of that Card provided nevertheless no amount shall be debited credit limit applicable to the Card Account from time to time. (d) PrimeCredit may in its absolute discretion decline any Card Transaction, where the value of which is in excess of the credit limit applicable to the Card Account. However, PrimeCredit also has the discretion to approve such Card Transaction without prior notice to me. In the event that the value of a Card Transaction is in excess of the credit limit in the Card Account, but the Card Transaction is approved by PrimeCredit (“Specific Card Transaction”), I shall be liable to PrimeCredit for all and any outstanding amount payable by me to PrimeCredit arising from, or in connection with, these Specific Card Transactions. This includes any Card Transaction which is not immediately processed by PrimeCredit or does not require authorization by PrimeCredit for effecting payment, including (but without limitation to) any of the following types: (i) auto debit transactions; (ii) transactions where the posting amount exceeds the amount presented for authorization caused, for example, by currency exchange rate fluctuations in respect of any Card Transaction effected without your knowledge transactions denominated in a foreign currency or authority after notice of the loss or theft of that Card surcharges levied by a merchant, PrimeCredit or the disclosure of the Security Procedure of that Card has been given by you and received and acted upon by us. You warrant and confirm that you have obtained all requisite consents for the use of relevant card associations; (iii) any Enabled Device(s). Unless OCBC notifies you otherwise in writing, mobile or contactless payment transactions; (iv) Card Transactions made or effected via a Tokenised Card will be charged approved by PrimeCredit but are not immediately posted to the Card Account; (v) stand-in authorization transactions; and (vi) transactions approved by the relevant card associations to my Card Account associated with which may result in over-the-limit transactions. I understand that PrimeCredit reserves the right to reject at any time any Specific Card Transactions under a Card Account or suspend/terminate any such related services or transactions without prior notice to me. I shall be fully liable for the Card used Transactions (including any Specific Card Transactions) regardless of whether the value of such Card Transactions is made within or in excess of my credit limit from time to time. I agree that PrimeCredit has the right to suspend and/ or terminate my Card Account because the amount of cash collateral in the Card Account is, in PrimeCredit's opinion, insufficient. (e) I agree that PrimeCredit has the discretion to, without any notice to me, reject any Card Transaction, or require extra procedures from me in order to effect or authorize a Card Transaction, regardless of whether there is sufficient cash collateral in the Card Account. As such, I understand that PrimeCredit will not be responsible or liable for enrolment with any costs, losses, liabilities, damages, claims which I may suffer or incur in respect of the relevant Digital Payment Service via the Enabled Device and following which such Tokenised Card was issuedexercise of PrimeCredit's discretion herein.