Common use of OVERSEAS TRANSACTIONS Clause in Contracts

OVERSEAS TRANSACTIONS. 14.1 The Cardholder may use the VISA/MASTERCARD CARD outside Malaysia at the Authorised Merchants and/or Authorised Cash Outlets; 14.2 The Cardholder may use the VISA/MASTERCARD CARD for Cash Advance under VISA/MASTERCARD CARD Account through designated ATM installed in such countries as approved by the Bank and/or member Institution of Visa International and/or MasterCard International from time to time; 14.3 Foreign currency transactions are first converted to US Dollars by Visa International or MasterCard International before the US Dollars are subsequently converted to Ringgit Malaysia on the date the transaction is posted into the Cardholder’s VISA/MASTERCARD Card Account at the conversion rate and charges as determined by Visa International or MasterCard International and shall be inclusive of 1% foreign exchange spread imposed by the Bank; 14.4 All inter-country transactions by the Cardholder shall not violate the laws existing in the country where the transaction is effected. Where applicable, the Cardholder shall comply with the Foreign Exchange Administration issued by Bank Negara Malaysia and shall be liable for any infringement of such regulation, including any amendment thereto.

OVERSEAS TRANSACTIONS. 14.1 13.1 The Cardholder may use the VISA/MASTERCARD CARD outside Malaysia at the Authorised Merchants and/or Authorised Cash Outlets; 14.2 13.2 The Cardholder may use the VISA/MASTERCARD CARD for Cash Advance under VISA/MASTERCARD CARD Account through designated ATM installed in such countries as approved by the Bank and/or member Institution of Visa International and/or MasterCard International from time to time; 14.3 13.3 Foreign currency transactions are first converted to US Dollars by Visa International or MasterCard International before the US Dollars are subsequently converted to Ringgit Malaysia on the date the transaction is posted into the Cardholder’s Cardholder‟s VISA/MASTERCARD Card Account at the conversion rate and charges as determined by Visa International or MasterCard International and shall be inclusive of 1% foreign exchange spread imposed by the Bank; 14.4 13.4 All inter-country transactions by the Cardholder shall not violate the laws existing in the country where the transaction is effected. Where applicable, the Cardholder shall comply with the Foreign Exchange Administration issued by Bank Negara Malaysia and shall be liable for any infringement of such regulation, including any amendment thereto.

OVERSEAS TRANSACTIONS. 14.1 The Cardholder may use the VISA/MASTERCARD CARD outside Malaysia at the Authorised Merchants and/or Authorised Cash Outlets; 14.2 The Cardholder may use the VISA/MASTERCARD CARD for Cash Advance under VISA/MASTERCARD CARD Account through designated ATM installed in such countries as approved by the Bank and/or member Institution of Visa International and/or MasterCard International from time to time; 14.3 Foreign currency transactions are first converted to US Dollars by Visa International or MasterCard International before the US Dollars are subsequently converted to Ringgit Malaysia on the date the transaction is posted into the Cardholder’s VISA/MASTERCARD Card Account at the conversion rate and charges as determined by Visa International or MasterCard International and shall be inclusive of 1% foreign exchange spread (not applicable for Visa Basic) imposed by the Bank; 14.4 All inter-country transactions by the Cardholder shall not violate the laws existing in the country where the transaction is effected. Where applicable, the Cardholder shall comply with the Foreign Exchange Administration issued by Bank Negara Malaysia and shall be liable for any infringement of such regulation, including any amendment thereto.

OVERSEAS TRANSACTIONS. 14.1 13.1 The Cardholder may use the VISA/MASTERCARD CARD outside Malaysia at the Authorised Merchants and/or Authorised Cash Outlets; 14.2 13.2 The Cardholder may use the VISA/MASTERCARD CARD for Cash Advance under VISA/MASTERCARD CARD Account through designated ATM installed in such countries as approved by the Bank and/or member Institution of Visa International and/or MasterCard International from time to time; 14.3 13.3 Foreign currency transactions are first converted to US Dollars by Visa International or MasterCard International before the US Dollars are subsequently converted to Ringgit Malaysia on the date the transaction is posted into the Cardholder’s VISA/MASTERCARD Card Account at the conversion rate and charges as determined by Visa International or MasterCard International and shall be inclusive of 1% foreign exchange spread imposed by the Bank; 14.4 13.4 All inter-country transactions by the Cardholder shall not violate the laws existing in the country where the transaction is effected. Where applicable, the Cardholder shall comply with the Foreign Exchange Administration issued by Bank Negara Malaysia and shall be liable for any infringement of such regulation, including any amendment thereto.