Common use of PRIVACY CLAUSE Clause in Contracts

PRIVACY CLAUSE. (a) The Chargor is hereby reminded to read and understand before agreeing to be bound by the Privacy Notice of AmBank Group (which is available at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇) and the clauses herein, as may relate to the processing of the Chargor’s personal information. For the avoidance of doubt, the ▇▇▇▇▇▇▇ agrees that the said Privacy Notice shall be deemed to be incorporated by reference into this Annexure. (b) In the event Chargor provide personal and/or financial information relating to third parties, including but not limited to information relating to the Chargor’s next-of-kin, dependants, authorised signatories, directors, shareholders, officers, and Security Parties for the purpose of the Facility, the Chargor: i. confirm that the Chargor has obtained their consent or are otherwise entitled to provide the information to the Chargee and for the Chargee to use it in accordance with this Letter of Offer and to provide information on the Chargee’s products, services and/or offers (inclusive of the products, services and offers of the other entities within AmBank Group) which the Chargee and/or entity within AmBank Group believe may be of interest and/or beneficial to them; ii. agree to ensure that the personal and financial information of the said third parties is accurate; iii. agree to update the Chargee in writing in the event of any material change to the said personal and financial information; and iv. agree to the Chargee’s right to terminate the Facility should such consent be withdrawn by any of the said third parties (c) Where Chargor instruct the Chargee to effect any sort of cross-border transaction (including to make or receive payments), the details relevant to the cross-border transaction (including information relating to those involved in the said transaction) may be received from or sent abroad, where it could be accessible (whether directly or indirectly) by the Chargee’s agents abroad, overseas regulators and/or authorities in connection with their legitimate duties (e.g. the prevention of crime). In instructing the Chargee and/or our agents to enter into any cross-border transaction on the Chargor’s behalf, ▇▇▇▇▇▇▇ agree to the above said disclosures on behalf of the Chargor and others involved in the said cross-border transaction. (d) Additionally, but always subject to any laws, (including regulations, guidelines and/or obligations) applicable to the Chargee (whether in or outside Malaysia), Chargor agree that other companies in AmBank Group, their merchants and strategic partners may contact the Chargor about products, services and offers, which the Chargee and AmBank Group believe may be of interest or beneficial to the Chargor. (e) The Chargee and AmBank Group may communicate with Chargor through various channels, including telephone, e-mail, electronic / mobile messaging, facsimile or post, using the contact information ▇▇▇▇▇▇▇ has provided. (f) Chargor may inform the Chargee at any time if Chargor do not wish to receive marketing communications from the Chargee, AmBank Group and/or their merchants and business partners, by contacting the Chargee at the various channels given below: i. Customer Service Officer ii. Phone : (▇▇▇) ▇▇▇▇ ▇▇▇▇ (Overseas) [24 hours] iii. E-mail : ▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ iv. Post : Privacy, AmBank Contact Centre, P.O. ▇▇▇ ▇▇. ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ (g) ▇▇▇▇▇▇▇’s latest written instructions to the Chargee will prevail. Chargor acknowledges that certain communications such as the statements of Facility to the Chargor and AmBank Group’s websites may contain standard information regarding other products and services of the Chargee and AmBank Group that cannot be removed without affecting the delivery / operation provision of the Facility and/or without additional costs to Chargor. (h) The Chargee may use a credit reporting agency to help make decisions, for example when the Chargee needs to: i. check details on applications for the Facility, financing and financing-related or other facilities granted to the Chargor; ii. managing and reviewing the Facility; and/or iii. recover debts owed by the Chargor. (i) Chargor will be linked by credit reporting agencies to any other names Chargor use or may had used, and any joint and several applicants. The Chargee may also share information about Chargor and how Chargor manages the Facility with relevant credit reporting agencies. (j) Even after ▇▇▇▇▇▇▇ has provided the Chargee with any information, Chargor will have the option to withdraw the consent given earlier. In such instances, the Chargee will have the right to not provide or discontinue the provision of the Facility that is/are linked with such information. (k) The Chargee reserves the right to amend this Clause from time to time at the Chargee’s discretion by providing notice to the Chargor.

PRIVACY CLAUSE. (a) 16.1 The Chargor is Borrower hereby reminded to read confirms that the Borrower has read, understood and understand before agreeing agreed to be bound by the CIMB Group Privacy Notice of AmBank Group (which is available at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇.▇▇ or ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇) and the clauses herein, as may relate to the processing of the ChargorBorrower’s personal information. For the avoidance of doubt, the ▇▇▇▇▇▇▇ Borrower agrees that the said Privacy Notice shall be deemed to be incorporated by reference into this AnnexureAgreement. (b) 16.2 In the event Chargor provide the Borrower provides personal and/or and financial information relating to third parties, including but not limited to information relating to the ChargorBorrower’s next-of-kin, dependants, authorised signatories, directors, shareholders, officers, kin and Security Parties dependents (where the Borrower is an individual) for the purpose of opening or operating the FacilityBorrower’s account(s)/facility(ies) with the Bank or otherwise subscribing to the Bank’s products and services, the Chargor: i. confirm Borrower (a) confirms that the Chargor Borrower has obtained their consent or are is otherwise entitled to provide the this information to the Chargee Bank and for the Chargee Bank to use it in accordance with this Letter of Offer and to provide information on the Chargee’s products, services and/or offers agreement; (inclusive of the products, services and offers of the other entities within AmBank Groupb) which the Chargee and/or entity within AmBank Group believe may be of interest and/or beneficial to them; ii. agree agrees to ensure that the personal and financial information of the said third parties is are accurate; iii. agree ; (c) agrees to update the Chargee Bank in writing in the event of any material change to the said personal and financial information; and iv. agree and (d) agrees to the ChargeeBank’s right to terminate the Facility this Agreement should such consent be withdrawn by any of the said third parties. (c) 16.3 Where Chargor instruct the Chargee Borrower instructs the Bank to effect any sort of cross-border transaction (including to make or receive payments), the details relevant to the cross-border transaction (including information relating to those involved in the said transaction) may be received from or sent abroad, where it could be accessible (whether directly or indirectly) by the Chargee’s agents abroad, overseas regulators and/or and authorities in connection with their legitimate duties (e.g. the prevention of crime). In instructing the Chargee Bank and/or our the Bank’s agents to enter into any cross-border transaction on behalf of the Chargor’s behalfBorrower, ▇▇▇▇▇▇▇ agree the Borrower agrees to the above said disclosures and also on behalf of the Chargor and others involved in the said cross-cross- border transaction. (d) Additionally, but always subject to any laws, (including regulations, guidelines and/or obligations) applicable to the Chargee (whether in or outside Malaysia), Chargor agree that other companies in AmBank Group, their merchants and strategic partners 16.4 The Bank may contact the Chargor about products, services and offers, which the Chargee and AmBank Group believe may be of interest or beneficial to the Chargor. (e) The Chargee and AmBank Group may communicate with Chargor through various channels, including telephone, e-mail, electronic / mobile messaging, facsimile or post, using the contact information ▇▇▇▇▇▇▇ has provided. (f) Chargor may inform the Chargee at any time if Chargor do and from time to time now and/or in the future carry out the necessary reference checks including but not wish limited to receive marketing communications credit reporting/reference checks with credit reporting/reference agencies including but not limited to CCRIS, FIS and/or any other agencies and/or from any financial institution to enable the Chargee, AmBank Group and/or their merchants and business partners, by contacting Bank to ascertain the Chargee at the various channels given below: i. Customer Service Officer ii. Phone : (▇▇▇) ▇▇▇▇ ▇▇▇▇ (Overseas) [24 hours] iii. E-mail : ▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ iv. Post : Privacy, AmBank Contact Centre, P.O. ▇▇▇ ▇▇. ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ (g) ▇▇▇▇▇▇▇Borrower’s latest written instructions to the Chargee will prevail. Chargor acknowledges that certain communications such status as the statements of Facility to the Chargor and AmBank Group’s websites may contain standard information regarding other products and services of the Chargee and AmBank Group that cannot be removed without affecting the delivery / operation provision of the Facility and/or without additional costs to Chargor. (h) The Chargee may use a credit reporting agency required to help make decisions, for example when the Chargee Bank needs to: i. check to (a)check details on applications for the Facility, financing credit and financing-credit- related or other facilities granted to facilities; (b) manage credit and credit-related accounts or facilities, including conducting reviews of the Chargor; iiBorrower’s portfolio(s); and/or (c) recover debts. managing and reviewing the Facility; and/or iii. recover debts owed by the Chargor. (i) Chargor The Borrower will be linked by credit reporting reporting/reference agencies to any other names Chargor use the Borrower uses or may had has used, and any joint and several applicants. The Chargee Borrower agrees that the Bank may also share information about Chargor the Borrower and how Chargor the Borrower manages the Facility Borrower’s account(s)/facility(ies) with relevant credit reporting reporting/reference agencies. (j) 16.5 Even after ▇▇▇▇▇▇▇ the Borrower has provided the Chargee Bank with any information, Chargor the Borrower will have the option to withdraw the consent given earlier. In such instances, the Chargee Bank will have the right to not provide or discontinue the provision of the Facility any product, service, account(s) and/or facility(ies) that is/are linked with such information. (k) 16.6 The Chargee Bank reserves the right to amend this Clause clause from time to time at the ChargeeBank’s sole discretion by providing notice and shall provide prior notification to the ChargorBorrower in writing and place any such amendments on the Bank’s websites and/or by placing notices at the banking halls or at prominent locations within the Bank’s branches. 16.7 For the purposes of this Clause 16 above, the CIMB Group consists of CIMB Group Holdings Berhad and all its related companies as defined in Section 7 of the Companies ▇▇▇ ▇▇▇▇ and jointly controlled companies that provide financial and other regulated services, excluding companies, branches, offices and other forms of presence operating outside Malaysia, and the use of the words “the Bank” and “the Bank’s” are to be read as references to the CIMB Group. 16.8 The Borrower further agrees that the Bank shall not in any event be liable for any claim, loss, damage (financial or otherwise), injuries, embarrassments or liability howsoever arising whether in contract, tort, negligence, strict liability or any basis (arising from any inaccuracy or loss, deletion or modification of data or for any other reasons whatsoever relating to any information forwarded by the Bank to such credit reporting/reference agencies and/or such other party, as the case may be, or in relation to any access or use, or the inability to access or use by such credit reporting/reference agencies and/or such other party or reliance on the information contained therein, whether caused by any technical, hardware or software failure of any kind, the interruption, error, omission, delay, viruses or otherwise howsoever, save and except where proven to have been caused directly by the Bank’s gross negligence, default or omission. The Borrower further agrees that the Bank shall not in any event be liable for any indirect, special, incidental, consequential or punitive damages arising from or howsoever in relation any inaccuracy or loss, deletion or modification of data or for any other reasons whatsoever relating to any information forwarded by the Bank to such credit reporting/reference agencies and/or such other party, as the case may be, or in relation to any access or use, or the inability to access or use by such credit reporting/reference agencies and/or such other party or reliance on the information contained therein, whether caused by any technical, hardware or software failure of any kind, the interruption, error, omission, delay, viruses or otherwise. 16.9 This clause shall be without prejudice to any other clause in this Agreement which provides for the disclosure of information. As Attorney for and on behalf of CIMB BANK BERHAD (13491-P) in the presence of: …………………………………………………….. …………………………………………………….. Name: Name: NRIC No: Designation: NRIC No: THE BORROWER Signed by (NRIC No. •) in the presence of: …………………………………………………….. Name: NRIC No: IN WITNESS WHEREOF the parties hereto have set their hands and seal hereunto. THE BANK SCHEDULE 1 (which is to be taken, read and construed as an essential part of this Agreement) Section Item Description 1. Name(s) and address (es) of the Borrower 2. Description of the Property The particulars of the Property shall be as stated in the Charge/ Deed of Assignment (to delete whichever is inapplicable) dated between the Bank and the Security Party, subject to the Bank's right to vary and/or amend the particulars of the Property and/or the Charge/ Deed of Assignment (to delete whichever is inapplicable). 3. Name(s) and Description(s) of the persons providing the Security

PRIVACY CLAUSE. (a) The Chargor is hereby reminded to read and understand before agreeing to be bound by the Privacy Notice of AmBank Group (which is available at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇) and the clauses herein22 CB(BBA/ANNEXURE3rd/POC/July2019)AmI ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, as may relate to the processing of the Chargor’s personal information. For the avoidance of doubt, the ▇▇▇▇▇▇▇ agrees that the said Privacy Notice shall be deemed to be incorporated by reference into this Annexure. (b) In the event Chargor provide personal and/or financial information relating to third parties, including but not limited to information relating to the Chargor’s next-of-kin, dependants, authorised autjorized signatories, directors, shareholders, officers, and Security Parties for the purpose of the Facility, the Chargor: i. i) confirm that the Chargor has obtained their consent or are otherwise entitled to provide the information to the Chargee and for the Chargee to use it in accordance with this Letter of Offer Charge and to provide information on the Chargee’s products, services and/or offers (inclusive of the products, services and offers of the other entities within AmBank Group) which the Chargee and/or entity within AmBank Group believe may be of interest and/or beneficial to them; ii. ) agree to ensure that the personal and financial information of the said third parties is accurate; iii. ) agree to update the Chargee in writing in the event of any material change to the said personal and financial information; and iv. ) agree to the Chargee’s right to terminate the Facility should such consent be withdrawn by any of the said third parties (c) Where Chargor instruct the Chargee to effect any sort of cross-border transaction (including to make or receive payments), the details relevant to the cross-border transaction (including information relating to those involved in the said transaction) may be received from or sent abroad, where it could be accessible (whether directly or indirectly) by the Chargee’s agents abroad, overseas regulators and/or authorities in connection with their legitimate duties (e.g. the prevention of crime). In instructing the Chargee and/or our agents to enter into any cross-cross- border transaction on the Chargor’s behalf, ▇▇▇▇▇▇▇ agree to the above said disclosures on behalf of the Chargor and others involved in the said cross-border transaction. (d) Additionally, but always subject to any laws, (including regulations, guidelines and/or obligations) applicable to the Chargee (whether in or outside Malaysia), Chargor agree that other companies in AmBank Group, their merchants and strategic partners may contact the Chargor about products, services and offers, which the Chargee and AmBank Group believe may be of interest or beneficial to the Chargor. (e) The Chargee and AmBank Group may communicate with Chargor through various channels, including telephone, e-mail, electronic / mobile messaging, facsimile or post, using the contact information ▇▇▇▇▇▇▇ has provided. (f) Chargor may inform the Chargee at any time if Chargor do not wish to receive marketing communications from the Chargee, AmBank Group and/or their merchants and business partners, by contacting the Chargee at the various channels given below: i. i) Customer Service Officer ii. ) Phone : (▇▇▇) ▇▇▇▇ ▇▇▇▇ (Overseas) [24 hours] iii. ) E-mail : ▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ iv. ) Post : Privacy, AmBank Contact Centre, P.O. ▇▇▇ ▇▇Box No. ▇▇▇▇▇12617, ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇50784 Kuala Lumpur (g) ▇▇▇▇▇▇▇’s latest written instructions to the Chargee will prevail. Chargor acknowledges that certain communications such as the statements of Facility to the Chargor and AmBank Group’s websites may contain standard information regarding other products and services of the Chargee and AmBank Group that cannot be removed without affecting the delivery / operation provision of the Facility and/or without additional costs to Chargor. (h) The Chargee may use a credit reporting agency to help make decisions, for example when the Chargee needs to: i. i) check details on applications for the Facility, financing and financing-related or other facilities granted to the Chargor; ii. ) managing and reviewing the Facility; and/or iii. ) recover debts owed by the Chargor. (i) Chargor will be linked by credit reporting agencies to any other names Chargor use or may had used, and any joint and several applicants. The Chargee may also share information about Chargor and how Chargor ▇▇▇▇▇▇▇ manages the Facility with relevant credit reporting agencies. (j) Even after ▇▇▇▇▇▇▇ has provided the Chargee with any information, Chargor will have the option to withdraw the consent given earlier. In such instances, the Chargee will have the right to not provide or discontinue the provision of the Facility that is/are linked with such information. (k) The Chargee reserves the right to amend this Clause from time to time at the Chargee’s discretion by providing notice to the Chargor.

PRIVACY CLAUSE. (a) 52.1 The Chargor is hereby reminded to read Cardholder confirms that he/she has read, understood and understand before agreeing agreed to be bound by the BSN Privacy Notice of AmBank Group (which is available at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇) and BSN Website)and the clauses herein, as may relate to the processing of the ChargorCardholder’s personal information. For the avoidance of doubt, the ▇▇▇▇▇▇▇ Cardholder agrees that the said Privacy Notice shall be deemed to be incorporated by reference into this AnnexureAgreement. (b) 52.2 In the event Chargor provide the Cardholder provides personal and/or and financial information relating to third parties, including but not limited to information relating to the ChargorCardholder’s next-of-kin, dependants, authorised signatories, kin and dependents (where the Cardholder is an individual) or information relating to the Cardholder’s directors, shareholders, officers, individual guarantors and Security Parties security providers (where the Cardholder is a corporation), for the purpose of opening or operating the FacilityCardholder’s account(s)/facility(ies) with BSN or otherwise subscribing to the BSN’s Products and Services, the Chargor:Cardholder:- i. confirm (a) confirms that the Chargor he/she has obtained their consent or are otherwise entitled to provide the this information to the Chargee BSN and for the Chargee BSN to use it in accordance with this Letter of Offer and to provide information on the Chargee’s products, services and/or offers (inclusive of the products, services and offers of the other entities within AmBank Group) which the Chargee and/or entity within AmBank Group believe may be of interest and/or beneficial to themagreement; ii. agree (b) agrees to ensure that the personal and financial information of the said third parties is accurate; iii. agree (c) agrees to update the Chargee BSN in writing in the event of any material change to the said personal and financial information; and iv. agree (d) agrees to the ChargeeBSN’s right to terminate the Facility this Agreement should such consent be withdrawn by any of the said third parties. (c) 52.3 Where Chargor instruct the Chargee Cardholder instructs BSN to effect any sort of cross-border transaction (including to make or receive payments), the details relevant to the cross-border transaction (including information relating to those involved in the said transaction) may be received from or sent abroad, where it could be accessible (whether directly or indirectly) by the Chargee’s agents abroad, overseas regulators and/or and authorities in connection with their legitimate duties (e.g. the prevention of crime). . 52.4 In instructing BSN and/or the Chargee and/or our BSN’s agents to enter into any cross-border transaction on the ChargorCardholder’s behalf, ▇▇▇▇▇▇▇ agree the Cardholder agrees to the above said disclosures on behalf of the Chargor Cardholder and others involved in the said cross-border transaction. (d) Additionally, but always subject to any laws, (including regulations, guidelines and/or obligations) applicable to the Chargee (whether in or outside Malaysia), Chargor agree that other companies in AmBank Group, their merchants and strategic partners may contact the Chargor about products, services and offers, which the Chargee and AmBank Group believe may be of interest or beneficial to the Chargor. (e) The Chargee and AmBank Group may communicate with Chargor through various channels, including telephone, e-mail, electronic / mobile messaging, facsimile or post, using the contact information ▇▇▇▇▇▇▇ has provided. (f) Chargor may inform the Chargee at any time if Chargor do not wish to receive marketing communications from the Chargee, AmBank Group and/or their merchants and business partners, by contacting the Chargee at the various channels given below: i. Customer Service Officer ii. Phone : (▇▇▇) ▇▇▇▇ ▇▇▇▇ (Overseas) [24 hours] iii. E-mail : ▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ iv. Post : Privacy, AmBank Contact Centre, P.O. ▇▇▇ ▇▇. ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ (g) ▇▇▇▇▇▇▇’s latest written instructions to the Chargee will prevail. Chargor acknowledges that certain communications such as the statements of Facility to the Chargor and AmBank Group’s websites may contain standard information regarding other products and services of the Chargee and AmBank Group that cannot be removed without affecting the delivery / operation provision of the Facility and/or without additional costs to Chargor. (h) The Chargee 52.5 BSN may use a credit reporting reporting/reference agency to help make decisions, for example when the Chargee BSN needs to:to:- i. (a) check details on applications for the Facility, financing credit and financingcredit-related or other facilities granted to the Chargorfacilities; ii. managing (b) manage credit and reviewing credit-related accounts or facilities, including conducting reviews of the FacilityCardholder’s portfolio(s); and/or iii. (c) recover debts owed by the Chargordebts. (i) Chargor 52.6 The Cardholder will be linked by credit reporting reporting/reference agencies to any other names Chargor the Cardholder use or may had have used, and any joint and several applicants. The Chargee BSN may also share information about Chargor the Cardholder and how Chargor the Cardholder manages the Facility his/her account(s) or /facility (ies) with relevant credit reporting reporting/reference agencies. (j) 52.7 Even after ▇▇▇▇▇▇▇ the Cardholder has provided the Chargee BSN with any information, Chargor the Cardholder will have the option to withdraw the consent given earlier. In such instances, the Chargee BSN will have the right to not provide or discontinue the provision of the Facility any product, service, account(s) and/or facility (ies) that is/are linked with such information. (k) The Chargee 52.8 BSN reserves the right to amend this Clause clause from time to time at the Chargee’s discretion by providing notice and shall provide prior notification to the ChargorCardholder in accordance with the agreement. 52.9 This clause shall be without prejudice to any other clause in this Agreement which provides for the disclosure of information.

PRIVACY CLAUSE. (a) The Chargor is hereby reminded to read confirms having read, understood and understand before agreeing agreed to be bound by the Privacy Notice of AmBank Group (which is available at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇) and the clauses herein, as may relate to the processing of the Chargor’s personal information. For the avoidance of doubt, the ▇▇▇▇▇▇▇ agrees that the said Privacy Notice shall be deemed to be incorporated by reference into this AnnexureCharge. (b) In the event the Chargor provide personal and/or financial information relating to third parties, including but not limited to information relating to the Chargor’s next-of-kin, dependants, authorised signatories, directors, shareholders, officers, and Security Parties for the purpose of the Facility, the Chargor: i. (i) confirm that the Chargor has obtained their consent or are otherwise entitled to provide the information to the Chargee and for the Chargee to use it in accordance with this the Letter of Offer and to provide information on the Chargee’s products, services and/or offers (inclusive of the products, services and offers of the other entities within AmBank Group) which the Chargee and/or entity within AmBank Group believe may be of interest and/or beneficial to them; (ii. ) agree to ensure that the personal and financial information of the said third parties is accurate; (iii. ) agree to update the Chargee in writing in the event of any material change to the said personal and financial information; and (iv. ) agree to the Chargee’s right to terminate the Facility should such consent be withdrawn by any of the said third parties. (c) Where Chargor instruct the Chargee to effect any sort of cross-border transaction (including to make or receive payments), the details relevant to the cross-border transaction (including information relating to those involved in the said transaction) may be received from or sent abroad, where it could be accessible (whether directly or indirectly) by the Chargee’s agents abroad, overseas regulators and/or authorities in connection with their legitimate duties (e.g. the prevention of crime). In instructing the Chargee and/or our agents to enter into any cross-cross- border transaction on the Chargor’s behalf, ▇▇▇▇▇▇▇ the Chargor agree to the above said disclosures on behalf of the Chargor and others involved in the said cross-border transaction. (d) Additionally, but always subject to any laws, (including regulations, guidelines and/or obligations) applicable to the Chargee (whether in or outside Malaysia), the Chargor agree that other companies in AmBank Group, their merchants and strategic partners may contact the Chargor about products, services and offers, which the Chargee and AmBank Group believe may be of interest or beneficial to the Chargor. (e) The Chargee and AmBank Group may communicate with Chargor through various channels, including telephone, e-mail, electronic / mobile messaging, facsimile or post, using the contact information ▇▇▇▇▇▇▇ has provided. (f) The Chargor may inform the Chargee at any time if the Chargor do not wish to receive marketing communications from the Chargee, AmBank Group and/or their merchants and business partners, by contacting the Chargee at the various channels given below: i. : Customer Service Officer ii. Officer Phone : ▇▇▇▇ ▇▇ ▇▇▇▇ (Domestic) or (▇▇▇) ▇▇▇▇ ▇▇▇▇ (Overseas) [24 hours] iii. ] E-mail : ▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ iv. ▇ Post : Privacy, AmBank Contact Centre, P.O. ▇▇▇ ▇▇Box No. ▇▇▇▇▇12617, ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇50784 Kuala Lumpur (g) ▇▇▇▇▇▇▇The Chargor’s latest written instructions to the Chargee will prevail. The Chargor acknowledges that certain communications such as the statements of Facility to the Chargor and AmBank Group’s websites may contain standard information regarding other products and services of the Chargee and AmBank Group that cannot be removed without affecting the delivery / operation provision of the Facility and/or without additional costs to the Chargor. (h) The Chargee may use a credit reporting agency to help make decisions, for example when the Chargee needs to: i. (i) check details on applications for the Facility, financing and financing-related or other facilities granted to the Chargor; (ii. ) managing and reviewing the Facility; and/or (iii. ) recover debts owed by the Chargor. (i) The Chargor will be linked by credit reporting agencies to any other names the Chargor use or may had used, and any joint and several applicants. The Chargee may also share information about the Chargor and how the Chargor manages the Facility with relevant credit reporting agencies. (j) Even after ▇▇▇▇▇▇▇ the Chargor has provided the Chargee with any information, the Chargor will have the option to withdraw the consent given earlier. In such instances, the Chargee will have the right to not provide or discontinue the provision of the Facility that is/are linked with such information. (k) The Chargee reserves the right to amend this Clause Section from time to time at the Chargee’s sole discretion by providing notice to the Chargor. (l) This clause shall be without prejudice to Section 11.14 (Disclosure of Information) of this Charge.

PRIVACY CLAUSE. (a) The Chargor is hereby reminded to read and understand before agreeing to be bound by the Privacy Notice of AmBank Group (which is available at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇) and the clauses herein, as may relate to the processing of the Chargor’s personal information. For the avoidance of doubt, the ▇▇▇▇▇▇▇ agrees that the said Privacy Notice shall be deemed to be incorporated by reference into this Annexure. (b) In the event Chargor provide personal and/or financial information relating to third parties, including but not limited to information relating to the Chargor’s next-of-kin, dependants, authorised signatories, directors, shareholders, officers, and Security Parties for the purpose of the Facility, the Chargor: i. confirm that the Chargor has obtained their consent or are otherwise entitled to provide the information to the Chargee and for the Chargee to use it in accordance with this Letter of Offer and to provide information on the Chargee’s products, services and/or offers (inclusive of the products, services and offers of the other entities within AmBank Group) which the Chargee and/or entity within AmBank Group believe may be of interest and/or beneficial to them; ii. agree to ensure that the personal and financial information of the said third parties is accurate; iii. agree to update the Chargee in writing in the event of any material change to the said personal and financial information; and iv. agree to the Chargee’s right to terminate the Facility should such consent be withdrawn by any of the said third parties (c) Where Chargor instruct the Chargee to effect any sort of cross-border transaction (including to make or receive payments), the details relevant to the cross-border transaction (including information relating to those involved in the said transaction) may be received from or sent abroad, where it could be accessible (whether directly or indirectly) by the Chargee’s agents abroad, overseas regulators and/or authorities in connection with their legitimate duties (e.g. the prevention of crime). In instructing the Chargee and/or our agents to enter into any cross-border transaction on the Chargor’s behalf, ▇▇▇▇▇▇▇ agree to the above said disclosures on behalf of the Chargor and others involved in the said cross-border transaction. (d) Additionally, but always subject to any laws, (including regulations, guidelines and/or obligations) applicable to the Chargee (whether in or outside Malaysia), Chargor agree that other companies in AmBank Group, their merchants and strategic partners may contact the Chargor about products, services and offers, which the Chargee and AmBank Group believe may be of interest or beneficial to the Chargor. (e) The Chargee and AmBank Group may communicate with Chargor through various channels, including telephone, e-mail, electronic / mobile messaging, facsimile or post, using the contact information ▇▇▇▇▇▇▇ has provided. (f) Chargor may inform the Chargee at any time if Chargor do not wish to receive marketing communications from the Chargee, AmBank Group and/or their merchants and business partners, by contacting the Chargee at the various channels given below: i. Customer Service Officer ii. Phone : (▇▇▇) ▇▇▇▇ ▇▇▇▇ (Overseas) [24 hours] iii. E-mail : ▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ iv. Post : Privacy, AmBank Contact Centre, P.O. ▇▇▇ ▇▇Box No. ▇▇▇▇▇12617, ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇50784 Kuala Lumpur (g) ▇▇▇▇▇▇▇’s latest written instructions to the Chargee will prevail. Chargor acknowledges that certain communications such as the statements of Facility to the Chargor and AmBank Group’s websites may contain standard information regarding other products and services of the Chargee and AmBank Group that cannot be removed without affecting the delivery / operation provision of the Facility and/or without additional costs to Chargor. (h) The Chargee may use a credit reporting agency to help make decisions, for example when the Chargee needs to: i. check details on applications for the Facility, financing and financing-related or other facilities granted to the Chargor; ii. managing and reviewing the Facility; and/or iii. recover debts owed by the Chargor. (i) Chargor will be linked by credit reporting agencies to any other names Chargor use or may had used, and any joint and several applicants. The Chargee may also share information about Chargor and how Chargor ▇▇▇▇▇▇▇ manages the Facility with relevant credit reporting agencies. (j) Even after ▇▇▇▇▇▇▇ has provided the Chargee with any information, Chargor will have the option to withdraw the consent given earlier. In such instances, the Chargee will have the right to not provide or discontinue the provision of the Facility that is/are linked with such information. (k) The Chargee reserves the right to amend this Clause from time to time at the Chargee’s discretion by providing notice to the Chargor.

PRIVACY CLAUSE. (a) 15.1 The Chargor is Customer hereby reminded to read confirms that the Customer has read, understood and understand before agreeing agreed to be bound by the CIMB Group Privacy Notice of AmBank Group (which is available at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇.▇▇ or ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇) and the clauses herein, as may relate to the processing of the ChargorCustomer’s personal information. For the avoidance of doubt, the ▇▇▇▇▇▇▇ Customer agrees that the said Privacy Notice shall be deemed to be incorporated by reference into this AnnexureAgreement. (b) 15.2 In the event Chargor provide the Customer provides personal and/or and financial information relating to third parties, including but not limited to information relating to the ChargorCustomer’s next-of-kin, dependants, authorised signatories, kin and dependents (where the Customer is an individual) or information relating to the Customer’s directors, shareholders, officers, individual guarantors and Security Parties security providers (where the Customer is a corporation), for the purpose of opening or operating the FacilityCustomer’s account(s)/facility(ies) with the Bank or otherwise subscribing to the Bank’s products and services, the Chargor: i. confirm Customer (a) confirms that the Chargor Customer has obtained their consent or are is otherwise entitled to provide the this information to the Chargee Bank and for the Chargee Bank to use it in accordance with this Letter of Offer and to provide information on the Chargee’s products, services and/or offers agreement; (inclusive of the products, services and offers of the other entities within AmBank Groupb) which the Chargee and/or entity within AmBank Group believe may be of interest and/or beneficial to them; ii. agree to ensure that the personal and financial information of the said third parties is accurate; iii. ; (c) agree to update the Chargee Bank in writing in the event of any material change to the said personal and financial information; and iv. and (d) agree to the ChargeeBank’s right to terminate the Facility this agreement should such consent be withdrawn by any of the said third parties. (c) 15.3 Where Chargor instruct the Chargee Customer instructs the Bank to effect any sort of cross-border transaction (including to make or receive payments), the details relevant to the cross-border transaction (including information relating to those involved in the said transaction) may be received from or sent abroad, where it could be accessible (whether directly or indirectly) by the Chargee’s agents abroad, overseas regulators and/or and authorities in connection with their legitimate duties (e.g. the prevention of crime). In instructing the Chargee Bank and/or our the Bank’s agents to enter into any cross-border transaction on behalf of the Chargor’s behalfCustomer, ▇▇▇▇▇▇▇ agree the Customer agrees to the above said disclosures on behalf of the Chargor Customer and others involved in the said cross-border transaction. (d) Additionally, but always subject to any laws, (including regulations, guidelines and/or obligations) applicable to the Chargee (whether in or outside Malaysia), Chargor agree that other companies in AmBank Group, their merchants and strategic partners . The Bank may contact the Chargor about products, services and offers, which the Chargee and AmBank Group believe may be of interest or beneficial to the Chargor. (e) The Chargee and AmBank Group may communicate with Chargor through various channels, including telephone, e-mail, electronic / mobile messaging, facsimile or post, using the contact information ▇▇▇▇▇▇▇ has provided. (f) Chargor may inform the Chargee at any time if Chargor do and from time to time now and/or in the future carry out the necessary reference checks including but not wish limited to receive marketing communications credit reporting/reference checks with credit reporting/reference agencies including but not limited to CCRIS, FIS and/or any other agencies and/or from any financial institution to enable us to ascertain the Chargee, AmBank Group and/or their merchants and business partners, by contacting the Chargee at the various channels given below: i. Customer Service Officer ii. Phone : (▇▇▇) ▇▇▇▇ ▇▇▇▇ (Overseas) [24 hours] iii. E-mail : ▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ iv. Post : Privacy, AmBank Contact Centre, P.O. ▇▇▇ ▇▇. ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ (g) ▇▇▇▇▇▇▇Customer’s latest written instructions to the Chargee will prevail. Chargor acknowledges that certain communications such status as the statements of Facility to the Chargor and AmBank Group’s websites may contain standard information regarding other products and services of the Chargee and AmBank Group that cannot be removed without affecting the delivery / operation provision of the Facility and/or without additional costs to Chargor. (h) The Chargee may use a credit reporting agency required to help make decisions, for example when the Chargee Bank needs to: i. to (a) check details on applications for the Facility, financing credit and financingcredit-related or other facilities granted to facilities; (b) manage credit and credit-related accounts or facilities, including conducting reviews of the Chargor; iiCustomer’s portfolio(s); and/or recover debts. managing and reviewing the Facility; and/or iii. recover debts owed by the Chargor. (i) Chargor The Customer will be linked by credit reporting reporting/reference agencies to any other names Chargor use the Customer uses or may had has used, and any joint and several applicants. The Chargee Bank may also share information about Chargor the Customer and how Chargor the Customer manages the Facility Customer’s account(s)/facility(ies) with relevant credit reporting reporting/reference agencies. (j) 15.4 Even after ▇▇▇▇▇▇▇ the Customer has provided the Chargee Bank with any information, Chargor the Customer will have the option to withdraw the consent given earlier. In such instances, the Chargee Bank will have the right to not provide or discontinue the provision of the Facility any product, service, account(s) and/or facility(ies) that is/are linked with such information. (k) 15.5 The Chargee Bank reserves the right to amend this Clause clause from time to time at the ChargeeBank’s sole discretion by providing notice and shall provide twenty one (21) calendar days prior notification to the ChargorCustomer in writing and place any such amendments on the Bank’s websites and/or by placing notices at the banking halls or at prominent locations within the Bank’s branches. 15.6 For the purposes of this Clause, the CIMB Group consists of CIMB Group Holdings Berhad and all its related companies as defined in Section 7 of the Companies ▇▇▇ ▇▇▇▇ and jointly controlled companies that provide financial and other regulated services, excluding companies, branches, offices and other forms of presence operating outside Malaysia, and the use of the words “the Bank” and “the Bank’s” are to be read as references to the CIMB Group. 15.7 The Customer further agrees that the Bank shall not in any event be liable from any claim, loss, damage (financial or otherwise), injuries, embarrassments or liability howsoever arising whether in contract, tort, negligence, strict liability or any basis (including direct or indirect, special, incidental, consequential or punitive damages or loss of profits or savings) arising from any inaccuracy or loss, deletion or modification of data or for any other reasons whatsoever relating to any information forwarded by the Bank to such credit reporting/reference agencies and/or such other party, as the case may be, or in relation to any access or use, or the inability to access or use by such credit reporting/reference agencies and/or such other party or reliance on the information contained therein, whether caused by any technical, hardware or software failure of any kind, the interruption, error, omission, delay, viruses or otherwise howsoever unless the same is caused directly by the Bank’s wilful default or gross neglect. 15.8 This clause shall be without prejudice to any other clause in this Agreement which provides for the disclosure of information.

PRIVACY CLAUSE. (a) The Chargor is hereby reminded to read and understand before agreeing to be bound by the Privacy Notice of AmBank Group (which is available at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇) and the clauses herein, as may relate to the processing of the Chargor’s personal information. For the avoidance of doubt, the ▇▇▇▇▇▇▇ agrees that the said Privacy Notice shall be deemed to be incorporated by reference into this Annexure. (b) In the event Chargor provide personal and/or financial information relating to third parties, including but not limited to information relating to the Chargor’s next-of-kin, dependants, authorised signatories, directors, shareholders, officers, and Security Parties for the purpose of the Facility, the Chargor: i. confirm that the Chargor has obtained their consent or are otherwise entitled to provide the information to the Chargee and for the Chargee to use it in accordance with this Letter of Offer Charge and to provide information on the Chargee’s products, services and/or offers 21 CB(BBA/ANNEXURE1st/POC/092018)AmI (inclusive of the products, services and offers of the other entities within AmBank Group) which the Chargee and/or entity within AmBank Group believe may be of interest and/or beneficial to them; ii. agree to ensure that the personal and financial information of the said third parties is accurate; iii. agree to update the Chargee in writing in the event of any material change to the said personal and financial information; and iv. agree to the Chargee’s right to terminate the Facility should such consent be withdrawn by any of the said third parties (c) Where Chargor instruct the Chargee to effect any sort of cross-border transaction (including to make or receive payments), the details relevant to the cross-border transaction (including information relating to those involved in the said transaction) may be received from or sent abroad, where it could be accessible (whether directly or indirectly) by the Chargee’s agents abroad, overseas regulators and/or authorities in connection with their legitimate duties (e.g. the prevention of crime). In instructing the Chargee and/or our agents to enter into any cross-cross- border transaction on the Chargor’s behalf, ▇▇▇▇▇▇▇ agree to the above said disclosures on behalf of the Chargor and others involved in the said cross-border transaction. (d) Additionally, but always subject to any laws, (including regulations, guidelines and/or obligations) applicable to the Chargee (whether in or outside Malaysia), Chargor agree that other companies in AmBank Group, their merchants and strategic partners may contact the Chargor about products, services and offers, which the Chargee and AmBank Group believe may be of interest or beneficial to the Chargor. (e) The Chargee and AmBank Group may communicate with Chargor through various channels, including telephone, e-mail, electronic / mobile messaging, facsimile or post, using the contact information ▇▇▇▇▇▇▇ has provided. (f) Chargor may inform the Chargee at any time if Chargor do not wish to receive marketing communications from the ChargeeBank, AmBank Group and/or their merchants and business partners, by contacting the Chargee at the various channels given below: i. Customer Service Officer ii. Phone : (▇▇▇) ▇▇▇▇ ▇▇▇▇ (Overseas) [24 hours] iii. E-mail : ▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ iv. Post : Privacy, AmBank Contact Centre, P.O. ▇▇▇ ▇▇Box No. ▇▇▇▇▇12617, ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇50784 Kuala Lumpur (g) ▇▇▇▇▇▇▇’s latest written instructions to the Chargee will prevail. Chargor acknowledges that certain communications such as the statements of Facility to the Chargor and AmBank Group’s websites may contain standard information regarding other products and services of the Chargee and AmBank Group that cannot be removed without affecting the delivery / operation provision of the Facility and/or without additional costs to ChargorChargor . (h) The Chargee may use a credit reporting agency to help make decisions, for example when the Chargee needs to: i. check details on applications for the Facility, financing and financing-related or other facilities granted to the Chargor; ii. managing and reviewing the Facility; and/or iii. recover debts owed by the Chargor. (i) Chargor will be linked by credit reporting agencies to any other names Chargor use or may had used, and any joint and several applicants. The Chargee may also share information about Chargor and how Chargor manages the Facility with relevant credit reporting agencies. (j) Even after ▇▇▇▇▇▇▇ has provided the Chargee with any information, Chargor will have the option to withdraw the consent given earlier. In such instances, the Chargee will have the right to not provide or discontinue the provision of the Facility that is/are linked with such information. (k) The Chargee reserves the right to amend this Clause from time to time at the Chargee’s discretion by providing notice to the Chargor.

PRIVACY CLAUSE. (a) The Chargor is hereby reminded to read and understand before agreeing to be bound by the Privacy Notice of AmBank Group (which is available at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇▇ ) and the clauses herein▇▇▇▇▇▇▇ ▇▇▇▇▇▇, as may relate to the processing of the Chargor’s personal information. For the avoidance avoid ance of doubt, the ▇▇▇▇▇▇▇ Chargor agrees that the said Privacy Notice shall be deemed to be incorporated by reference refere nce into this Annexure. (b) In the event Chargor provide personal and/or and/ or financial information relating to third parties, including but not limited to information i nformation relating to the Chargor’s next-of-kin, dependants, authorised autjorized signatories, directors, shareholders, officers, and Security Parties for the purpose of the Facility, the Chargor: i. i) confirm that the Chargor has obtained their consent or are otherwise otherwis e entitled to provide the information to the Chargee and for the Chargee to use it in accordance with this Letter of Offer Charge and to provide information on the Chargee’s products, services and/or and/ or offers (inclusive of the products, services and offers of the other entities enti ties within AmBank Group) which the Chargee and/or and/ or entity within AmBank Group believe may be of interest and/or and/ or beneficial to them; ii. ) agree to ensure that the personal and financial information of the said third parties is accurate; iii. ) agree to update the Chargee in writing in the event of any material change to the said personal and financial information; and iv. ) agree to the Chargee’s right to terminate the Facility should such consent be withdrawn by any of the said third parties (c) Where Chargor instruct the Chargee to effect any sort of cross-border cross -border transaction (including to make or receive payments), the details relevant to the cross-border cross -border transaction (including information relating to those involved in the said transaction) may be received from or sent abroad, where it could be accessible (whether directly or indirectly) by the Chargee’s agents abroad, overseas regulators and/or and/ or authorities in connection with their legitimate duties (e.g. the prevention of crime). In instructing the Chargee and/or and/ or our agents to enter into any cross-cross - border transaction on the Chargor’s behalf, ▇▇▇▇▇▇▇ agree to the above said disclosures on behalf of the Chargor and others involved in the said cross-border cross -border transaction. (d) Additionally, but always subject to any laws, (including regulationsregu lations, guidelines and/or and/ or obligations) applicable to the Chargee (whether in or outside Malaysia), Chargor agree that other companies in AmBank Group, their merchants and strategic partners may contact the Chargor about products, services and offers, which whic h the Chargee and AmBank Group believe may be of interest or beneficial to the Chargor. (e) The Chargee and AmBank Group may communicate with Chargor through various channels, including telephone, e-maile -mail, electronic / mobile messaging, facsimile or post, using the contact information ▇▇▇▇▇▇▇ has provided. (f) Chargor may inform the Chargee at any time if Chargor do not wish to receive marketing communications from the Chargee, AmBank Group and/or and/ or their merchants and business partners, by contacting the Chargee at the various channels given below: i. i) Customer Service Officer ii. ) Phone : (▇▇▇) ▇▇▇▇ ▇▇▇▇ (Overseas) [24 hours] iii. ) E-mail : ▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ iv. ) Post : Privacy, AmBank Contact Centre, P.O. ▇▇▇ ▇▇Box No. ▇▇▇▇▇1 2617, ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇50784 Kuala Lumpur (g) ▇▇▇▇▇▇▇’s latest written instructions to the Chargee will prevailprevail . Chargor acknowledges that certain communications such as the statements of Facility to the Chargor and AmBank Group’s websites may contain standard information regarding reg arding other products and services of the Chargee and AmBank Group that cannot be removed without affecting the delivery / operation provision of the Facility and/or and/ or without additional costs to Chargor. (h) The Chargee may use a credit reporting agency to help he lp make decisions, for example when the Chargee needs to: i. i) check details on applications for the Facility, financing and financing-related financing -related or other facilities granted to the Chargor; ii. ) managing and reviewing the Facility; and/orand/ or iii. ) recover debts owed by the Chargor. (i) Chargor will be linked by credit reporting agencies to any other names Chargor use or may had used, and any joint and several applicants. The Chargee may also share information about Chargor and how Chargor ▇▇▇▇▇▇▇ manages the Facility with relevant credit reporting agencies. (j) Even after ▇▇▇▇▇▇▇ has provided the Chargee with any information, Chargor will have the option to withdraw the consent given earlier. In such instances, the Chargee will have the right to not provide or discontinue the provision of the th e Facility that is/is/ are linked with such information. (k) The Chargee reserves the right to amend this Clause from time to time at the Chargee’s discretion by providing notice to the Chargor.

PRIVACY CLAUSE. (a) The Chargor is hereby reminded to read and understand before agreeing to be bound by the Privacy Notice of AmBank Group (which is available at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇▇ ) and the clauses herein▇▇▇▇▇▇▇ ▇▇▇▇▇▇, as may relate to the processing of the Chargor’s personal information. For the avoidance of doubt, the ▇▇▇▇▇▇▇ agrees that the said Privacy Notice shall be deemed to be incorporated by reference refere nce into this Annexure. (b) In the event Chargor provide personal and/or and/ or financial information relating to third parties, including but not limited to information i nformation relating to the Chargor’s next-of-kin, dependants, authorised autjorized signatories, directors, shareholders, officers, and Security Parties for the purpose of the Facility, the Chargor: i. i) confirm that the Chargor has obtained their consent or are otherwise otherwis e entitled to provide the information to the Chargee and for the Chargee to use it in accordance with this Letter of Offer Charge and to provide information on the Chargee’s products, services and/or and/ or offers (inclusive of the products, services and offers of the other entities enti ties within AmBank Group) which the Chargee and/or and/ or entity within AmBank Group believe may be of interest and/or and/ or beneficial to them; ii. ) agree to ensure that the personal and financial information of the said third parties is accurate; iii. ) agree to update the Chargee in writing in the event of any material change to the said personal and financial information; and iv. ) agree to the Chargee’s right to terminate the Facility should such consent be withdrawn by any of the said third parties (c) Where Chargor instruct the Chargee to effect any sort of cross-border cross -border transaction (including to make or receive payments), the details relevant to the cross-border cross -border transaction (including information relating to those involved in the said transaction) may be received from or sent abroad, where it could be accessible (whether directly or indirectly) by the Chargee’s agents abroad, overseas regulators and/or and/ or authorities in connection with their legitimate duties (e.g. the prevention of crime). In instructing the Chargee and/or and/ or our agents to enter into any cross-cross - border transaction on the Chargor’s behalf, ▇▇▇▇▇▇▇ agree to the above said disclosures on behalf of the Chargor and others involved in the said cross-border cross -border transaction. (d) Additionally, but always subject to any laws, (including regulationsregu lations, guidelines and/or and/ or obligations) applicable to the Chargee (whether in or outside Malaysia), Chargor agree that other companies in AmBank Group, their merchants and strategic partners may contact the Chargor about products, services and offers, which whic h the Chargee and AmBank Group believe may be of interest or beneficial to the Chargor. (e) The Chargee and AmBank Group may communicate with Chargor through various channels, including telephone, e-maile -mail, electronic / mobile messaging, facsimile or post, using the contact information ▇▇▇▇▇▇▇ has provided. (f) Chargor may inform the Chargee at any time if Chargor do not wish to receive marketing communications from the Chargee, AmBank Group and/or and/ or their merchants and business partners, by contacting the Chargee at the various channels given below: i. i) Customer Service Officer ii. ) Phone : (▇▇▇) ▇▇▇▇ ▇▇▇▇ (Overseas) [24 hours] iii. ) E-mail : ▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ iv. ) Post : Privacy, AmBank Contact Centre, P.O. ▇▇▇ ▇▇. ▇▇ ▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ (g) ▇▇▇▇▇▇▇’s latest written instructions to the Chargee will prevailprevail . Chargor acknowledges that certain communications such as the statements of Facility to the Chargor and AmBank Group’s websites may contain standard information regarding reg arding other products and services of the Chargee and AmBank Group that cannot be removed without affecting the delivery / operation provision of the Facility and/or and/ or without additional costs to Chargor. (h) The Chargee may use a credit reporting agency to help he lp make decisions, for example when the Chargee needs to: i. i) check details on applications for the Facility, financing and financing-related financing -related or other facilities granted to the Chargor; ii. ) managing and reviewing the Facility; and/orand/ or iii. ) recover debts owed by the Chargor. (i) Chargor will be linked by credit reporting agencies to any other names Chargor use or may had used, and any joint and several applicants. The Chargee may also share information about Chargor and how Chargor manages the Facility with relevant credit reporting agencies. (j) Even after ▇▇▇▇▇▇▇ has provided the Chargee with any information, Chargor will have the option to withdraw the consent given earlier. In such instances, the Chargee will have the right to not provide or discontinue the provision of the th e Facility that is/is/ are linked with such information. (k) The Chargee reserves the right to amend this Clause from time to time at the Chargee’s discretion by providing notice to the Chargor.

PRIVACY CLAUSE. (a) 15.1 The Chargor is Guarantor hereby reminded to read confirms that the Guarantor has read, understood and understand before agreeing agreed to be bound by the CIMB Group Privacy Notice of AmBank Group (which is available at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇.▇▇▇) and the clauses herein, herein as may relate to the processing of the ChargorGuarantor’s personal information. For the avoidance of doubt, the ▇▇▇▇▇▇▇ Guarantor agrees that the said Privacy Notice shall be deemed to be incorporated by reference into this AnnexureGuarantee. (b) 15.2 In the event Chargor provide the Guarantor provides personal and/or and financial information relating to third parties, including but not limited to information relating to the ChargorGuarantor’s next-of-kin, dependants, authorised signatories, kin and dependents (where the Guarantor is an individual) or information relating to the Guarantor directors, shareholders, officers, individual guarantors and Security Parties security providers (where the Guarantor is a corporation), for the purpose of entering into this Guarantee or the Facility, the Chargor: i. confirm Facility (a) confirms that the Chargor Guarantor has obtained their consent or are is otherwise entitled to provide the this information to the Chargee Bank and for the Chargee Bank to use it in accordance with this Letter of Offer and to provide information on the Chargee’s products, services and/or offers Guarantee; (inclusive of the products, services and offers of the other entities within AmBank Groupb) which the Chargee and/or entity within AmBank Group believe may be of interest and/or beneficial to them; ii. agree to ensure that the personal and financial information of the said third parties is accurate; iii. ; (c) agree to update the Chargee Bank in writing in the event of any material change to the said personal and financial information; and iv. and (d) agree to the ChargeeBank’s right to terminate the Facility should such consent be withdrawn by any of the said third parties. (c) 15.3 Where Chargor instruct the Chargee Guarantor instructs the Bank to effect any sort of cross-border transaction (including to make or receive payments), the details relevant to the cross-border transaction (including information relating to those involved in the said transaction) may be received from or sent abroad, where it could be accessible (whether directly or indirectly) by the Chargee’s agents abroad, overseas regulators and/or and authorities in connection with their legitimate duties (e.g. the prevention of crime). In instructing the Chargee Bank and/or our the Bank’s agents to enter into any cross-border transaction on behalf of the Chargor’s behalfGuarantor, ▇▇▇▇▇▇▇ agree the Guarantor agrees to the above said disclosures on behalf of the Chargor Guarantor and others involved in the said cross-border transaction. (d) Additionally, but always subject to any laws, (including regulations, guidelines and/or obligations) applicable to the Chargee (whether in or outside Malaysia), Chargor agree that other companies in AmBank Group, their merchants and strategic partners 15.4 The Bank may contact the Chargor about products, services and offers, which the Chargee and AmBank Group believe may be of interest or beneficial to the Chargor. (e) The Chargee and AmBank Group may communicate with Chargor through various channels, including telephone, e-mail, electronic / mobile messaging, facsimile or post, using the contact information ▇▇▇▇▇▇▇ has provided. (f) Chargor may inform the Chargee at any time if Chargor do and from time to time now and/or in the future carry out the necessary reference checks including but not wish limited to receive marketing communications credit reporting/reference checks with credit reporting/reference agencies including but not limited to CTOS, FIS and/or any other agencies and/or from any financial institution to enable us to ascertain the Chargee, AmBank Group and/or their merchants and business partners, by contacting the Chargee at the various channels given below: i. Customer Service Officer ii. Phone : (▇▇▇) ▇▇▇▇ ▇▇▇▇ (Overseas) [24 hours] iii. E-mail : ▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ iv. Post : Privacy, AmBank Contact Centre, P.O. ▇▇▇ ▇▇. ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ (g) ▇▇▇▇▇▇▇Guarantor’s latest written instructions to the Chargee will prevail. Chargor acknowledges that certain communications such status as the statements of Facility to the Chargor and AmBank Group’s websites may contain standard information regarding other products and services of the Chargee and AmBank Group that cannot be removed without affecting the delivery / operation provision of the Facility and/or without additional costs to Chargor. (h) The Chargee may use a credit reporting agency required to help make decisions, for example when the Chargee Bank needs to: i. to (a) check details on applications for the Facility, financing credit and financing-credit- related or other facilities granted to facilities; (b) manage credit and credit-related accounts or facilities, including conducting reviews of the Chargor; iiGuarantor’s portfolio(s); and/or recover debts. managing and reviewing the Facility; and/or iii. recover debts owed by the Chargor. (i) Chargor The Guarantor will be linked by credit reporting reporting/reference agencies to any other names Chargor use the Guarantor uses or may had has used, and any joint and several applicants. The Chargee Bank may also share information about Chargor the Guarantor and how Chargor the Guarantor discharges and manages the Facility Guarantor’s obligations herein with relevant credit reporting reporting/reference agencies, and for any of these credit reporting/reference agencies to disclose the Guarantor’s credit information to its subscribers for purposes of fraud detection and fraud prevention. (j) 15.5 Even after ▇▇▇▇▇▇▇ the Guarantor has provided the Chargee Bank with any information, Chargor the Guarantor will have the option to withdraw the consent given earlier. In , except where such instances, disclosure of the Chargee will have the right to not provide or discontinue Guarantor’s information is necessary for the provision of the Facility that is/are linked and/or related services or the performance of the contract with such informationthe Borrower and/or Guarantor to comply with contractual requirements or to comply with any legal requirements. (k) 15.6 The Chargee Bank reserves the right to amend this Clause clause from time to time at the Chargee’s its sole discretion by providing and shall provide not less than twenty-one (21) days’ prior written notice to the ChargorGuarantor and place any such amendments on the Bank’s websites and/or by placing notices at the banking halls or at prominent locations within the Bank’s branches 15.7 For the purposes of this clause, the CIMB Group consists of CIMB Group Holdings Berhad and all its related companies as defined in Section 7 of the Companies Act 2016 and jointly controlled companies that provide financial and other regulated services, excluding companies, branches, offices and other forms of presence operating outside Malaysia, and the use of the words “the Bank” and “the Bank’s” are to be read as references to the CIMB Group. 15.8 This clause is without prejudice to any other clause in this Guarantee and Indemnity which provides for the disclosure of information.

PRIVACY CLAUSE. (a) The Chargor is hereby reminded to read Assignor confirms having read, understood and understand before agreeing agreed to be bound by the Privacy Notice of AmBank Group (which is available at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇) and the clauses herein, as may relate to the processing of the ChargorAssignor’s personal information. For the avoidance of doubt, the ▇▇▇▇▇▇▇ Assignor agrees that the said Privacy Notice shall be deemed to be incorporated by reference into this AnnexureAssignment. (b) In the event Chargor event, the Assignor provide personal and/or financial information relating to third parties, including but not limited to information relating to the ChargorAssignor’s next-of-kin, dependants, authorised signatories, directors, shareholders, officers, and Security Parties for the purpose of the Facility, the ChargorAssignor: i. (i) confirm that the Chargor Assignor has obtained their consent or are otherwise entitled to provide the information to the Chargee Bank and for the Chargee Bank to use it in accordance with this the Letter of Offer and to provide information on the ChargeeBank’s products, services and/or offers (inclusive of the products, services and offers of the other entities within AmBank Group) which the Chargee Bank and/or entity within AmBank Group believe may be of interest and/or beneficial to them; (ii. ) agree to ensure that the personal and financial information of the said third parties is accurate; (iii. ) agree to update the Chargee Bank in writing in the event of any material change to the said personal and financial information; and (iv. ) agree to the ChargeeBank’s right to terminate the Facility should such consent be withdrawn by any of the said third parties. (c) Where Chargor Assignor instruct the Chargee Bank to effect any sort of cross-border transaction (including to make or receive payments), the details relevant to the cross-border transaction (including information relating to those involved in the said transaction) may be received from or sent abroad, where it could be accessible (whether directly or indirectly) by the ChargeeBank’s agents abroad, overseas regulators and/or authorities in connection with their legitimate duties (e.g. the prevention of crime). In instructing the Chargee Bank and/or our agents to enter into any cross-border transaction on the ChargorAssignor’s behalf, ▇▇▇▇▇▇▇ Assignor agree to the above said disclosures on behalf of the Chargor Assignor and others involved in the said cross-border transaction. (d) Additionally, but always subject to any laws, (including regulations, guidelines and/or obligations) applicable to the Chargee Bank (whether in or outside Malaysia), Chargor Assignor agree that other companies in AmBank Group, their merchants and strategic partners may contact the Chargor Assignor about products, services and offers, which the Chargee Bank and AmBank Group believe may be of interest or beneficial to the ChargorAssignor. (e) The Chargee Bank and AmBank Group may communicate with Chargor Assignor through various channels, including telephone, e-mail, electronic / mobile messaging, facsimile or post, using the contact information ▇▇▇▇▇▇▇ Assignor has provided. (f) Chargor The Assignor may inform the Chargee Bank at any time if Chargor the Assignor do not wish to receive marketing communications from the ChargeeBank, AmBank Group and/or their merchants and business partners, by contacting the Chargee Bank at the various channels given below: i. : Customer Service Officer ii. Officer Phone : ▇▇▇▇ ▇▇ ▇▇▇▇ (Domestic) or (▇▇▇) ▇▇▇▇ ▇▇▇▇ (Overseas) [24 hours] iii. ] E-mail : ▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ iv. ▇ Post : Privacy, AmBank Contact Centre, P.O. ▇▇▇ ▇▇Box No. ▇▇▇▇▇12617, ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇50784 Kuala Lumpur (g) ▇▇▇▇▇▇▇The Assignor’s latest written instructions to the Chargee Bank will prevail. Chargor The Assignor acknowledges that certain communications such as the statements of Facility to the Chargor Assignor and AmBank Group’s websites may contain standard information regarding other products and services of the Chargee Bank and AmBank Group that cannot be removed without affecting the delivery / operation provision of the Facility and/or without additional costs to Chargorthe Assignor. (h) The Chargee Bank may use a credit reporting agency to help make decisions, for example when the Chargee Bank needs to: i. (i) check details on applications for the Facility, financing and financing-related or other facilities granted to the ChargorAssignor; (ii. ) managing and reviewing the Facility; and/or (iii. ) recover debts owed by the ChargorAssignor. (i) Chargor The Assignor will be linked by credit reporting agencies to any other names Chargor the Assignor use or may had used, and any joint and several applicants. The Chargee Bank may also share information about Chargor the Assignor and how Chargor the Assignor manages the Facility with relevant credit reporting agencies. (j) Even after ▇▇▇▇▇▇▇ the Assignor has provided the Chargee Bank with any information, Chargor the Assignor will have the option to withdraw the consent given earlier. In such instances, the Chargee Bank will have the right to not provide or discontinue the provision of the Facility that is/are linked with such information. (k) The Chargee Bank reserves the right to amend this Clause Section from time to time at the ChargeeBank’s sole discretion by providing notice to the ChargorAssignor. (l) This section shall be without prejudice to Section 13.13 (Disclosure of Information) of this Assignment.

PRIVACY CLAUSE. (a) 15.1 The Chargor is Customer hereby reminded to read confirms that the Customer has read, understood and understand before agreeing agreed to be bound by the CIMB Group Privacy Notice of AmBank Group (which is available at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇.▇▇ or ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇) and the clauses herein, as may relate to the processing of the ChargorCustomer’s personal information. For the avoidance of doubt, the ▇▇▇▇▇▇▇ Customer agrees that the said Privacy Notice shall be deemed to be incorporated by reference into this AnnexureAgreement. (b) 15.2 In the event Chargor provide the Customer provides personal and/or and financial information relating to third parties, including but not limited to information relating to the ChargorCustomer’s next-of-kin, dependants, authorised signatories, kin and dependents (where the Customer is an individual) or information relating to the Customer’s directors, shareholders, officers, individual guarantors and Security Parties security providers (where the Customer is a corporation), for the purpose of opening or operating the FacilityCustomer’s account(s)/facility(ies) with the Bank or otherwise subscribing to the Bank’s products and services, the Chargor: i. confirm Customer (a) confirms that the Chargor Customer has obtained their consent or are is otherwise entitled to provide the this information to the Chargee Bank and for the Chargee Bank to use it in accordance with this Letter of Offer and to provide information on the Chargee’s products, services and/or offers agreement; (inclusive of the products, services and offers of the other entities within AmBank Groupb) which the Chargee and/or entity within AmBank Group believe may be of interest and/or beneficial to them; ii. agree to ensure that the personal and financial information of the said third parties is accurate; iii. ; (c) agree to update the Chargee Bank in writing in the event of any material change to the said personal and financial information; and iv. and (d) agree to the ChargeeBank’s right to terminate the Facility this agreement should such consent be withdrawn by any of the said third parties. (c) 15.3 Where Chargor instruct the Chargee Customer instructs the Bank to effect any sort of cross-border transaction (including to make or receive payments), the details relevant to the cross-border transaction (including information relating to those involved in the said transaction) may be received from or sent abroad, where it could be accessible (whether directly or indirectly) by the Chargee’s agents abroad, overseas regulators and/or and authorities in connection with their legitimate duties (e.g. the prevention of crime). In instructing the Chargee Bank and/or our the Bank’s agents to enter into any cross-border transaction on behalf of the Chargor’s behalfCustomer, ▇▇▇▇▇▇▇ agree the Customer agrees to the above said disclosures on behalf of the Chargor Customer and others involved in the said cross-border transaction. (d) Additionally, but always subject to any laws, (including regulations, guidelines and/or obligations) applicable to the Chargee (whether in or outside Malaysia), Chargor agree that other companies in AmBank Group, their merchants and strategic partners 15.4 The Bank may contact the Chargor about products, services and offers, which the Chargee and AmBank Group believe may be of interest or beneficial to the Chargor. (e) The Chargee and AmBank Group may communicate with Chargor through various channels, including telephone, e-mail, electronic / mobile messaging, facsimile or post, using the contact information ▇▇▇▇▇▇▇ has provided. (f) Chargor may inform the Chargee at any time if Chargor do and from time to time now and/or in the future carry out the necessary reference checks including but not wish limited to receive marketing communications credit reporting/reference checks with credit reporting/reference agencies including but not limited to CCRIS, FIS and/or any other agencies and/or from any financial institution to enable us to ascertain the Chargee, AmBank Group and/or their merchants and business partners, by contacting the Chargee at the various channels given below: i. Customer Service Officer ii. Phone : (▇▇▇) ▇▇▇▇ ▇▇▇▇ (Overseas) [24 hours] iii. E-mail : ▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ iv. Post : Privacy, AmBank Contact Centre, P.O. ▇▇▇ ▇▇. ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ (g) ▇▇▇▇▇▇▇Customer’s latest written instructions to the Chargee will prevail. Chargor acknowledges that certain communications such status as the statements of Facility to the Chargor and AmBank Group’s websites may contain standard information regarding other products and services of the Chargee and AmBank Group that cannot be removed without affecting the delivery / operation provision of the Facility and/or without additional costs to Chargor. (h) The Chargee may use a credit reporting agency required to help make decisions, for example when the Chargee Bank needs to: i. check to (a)check details on applications for the Facility, financing credit and financing-credit- related or other facilities granted to facilities; (b) manage credit and credit-related accounts or facilities, including conducting reviews of the Chargor; iiCustomer’s portfolio(s); and/or recover debts. managing and reviewing the Facility; and/or iii. recover debts owed by the Chargor. (i) Chargor The Customer will be linked by credit reporting reporting/reference agencies to any other names Chargor use the Customer uses or may had has used, and any joint and several applicants. The Chargee Bank may also share information about Chargor the Customer and how Chargor the Customer manages the Facility Customer’s account(s)/facility(ies) with relevant credit reporting reporting/reference agencies. (j) 15.5 Even after ▇▇▇▇▇▇▇ the Customer has provided the Chargee Bank with any information, Chargor the Customer will have the option to withdraw the consent given earlier. In such instances, the Chargee Bank will have the right to not provide or discontinue the provision of the Facility any product, service, account(s) and/or facility(ies) that is/are linked with such information. (k) 15.6 The Chargee Bank reserves the right to amend this Clause clause from time to time at the ChargeeBank’s sole discretion by providing notice and shall provide prior notification to the ChargorCustomer in writing and place any such amendments on the Bank’s websites and/or by placing notices at the banking halls or at prominent locations within the Bank’s branches 15.7 For the purposes of this Clause, the CIMB Group consists of CIMB Group Holdings Berhad and all its related companies as defined in ▇▇▇ ▇ ▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇ and jointly controlled companies that provide financial and other regulated services, excluding companies, branches, offices and other forms of presence operating outside Malaysia, and the use of the words “ the Bank” and “ the Bank’s” are to be read as references to the CIMB Group. 15.8 The Customer further agrees that the Bank shall not in any event be liable from any claim, loss, damage (financial or otherwise), injuries, embarrassments or liability howsoever arising whether in contract, tort, negligence, strict liability or any basis (including direct or indirect, special, incidental, consequential or punitive damages or loss of profits or savings) arising from any inaccuracy or loss, deletion or modification of data or for any other reasons whatsoever relating to any information forwarded by the Bank to such credit reporting/reference agencies and/or such other party, as the case may be, or in relation to any access or use, or the inability to access or use by such credit reporting/reference agencies and/or such other party or reliance on the information contained therein, whether caused by any technical, hardware or software failure of any kind, the interruption, error, omission, delay, viruses or otherwise howsoever. 15.9 This clause shall be without prejudice to any other clause in this Agreement which provides for the disclosure of information.

PRIVACY CLAUSE. (a) The Chargor is hereby reminded to read and understand before agreeing to be bound by the Privacy Notice of AmBank Group (which is available at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇▇ ) and the clauses herein, as may relate to the processing proces sing of the Chargor’s personal information. For the avoidance of doubt, the ▇▇▇▇▇▇▇ agrees that the said Privacy Notice shall be deemed to be incorporated by reference refe rence into this AnnexureAnnexure . (b) In the event Chargor provide personal and/or and/ or financial information relating to third parties, including but not limited to information relating to the Chargor’s next-of-kin, dependants, authorised signatories, directors, shareholders, officers, and Security Parties for the purpose of the Facility, the Chargor: i. confirm that t hat the Chargor has obtained their consent or are otherwise entitled to provide the information to the Chargee and for the Chargee to use it in accordance with this Letter of Offer Charge and to provide information on the Chargee’s products, services and/or and/ or offers (inclusive of the products, services and offers of the other entities within AmBank Group) which the Chargee and/or and/ or entity within AmBank Group believe may be of interest and/or and/ or beneficial to them; ii. agree to ensure that the personal and financial information of the said third parties is accurate; iii. agree to update the Chargee in writing in the event of any material change to the said personal and financial information; and iv. agree to the Chargee’s right to terminate the Facility should such consent be withdrawn by any of the said third parties (c) Where Chargor instruct the Chargee to effect any sort of cross-border cross -border transaction (including to make or receive payments), the details relevant to the cross-border cross -border transaction (including information relating to those involved in the said transaction) may be received from or sent abroad, where it could be accessible (whether directly or indirectly) by the Chargee’s agents abroad, overseas regulators and/or and/ or authorities in connection with their legitimate duties (e.g. the prevention of crime). In instructing the Chargee and/or and/ or our agents to enter into any cross-cross - border transaction on the Chargor’s behalf, ▇▇▇▇▇▇▇ agree to the above said disclosures on behalf of the Chargor and others involved in the said cross-border cross -border transaction. (d) AdditionallyAdd itionally, but always subject to any laws, (including regulations, guidelines and/or and/ or obligations) applicable to the Chargee (whether in or outside Malaysia), Chargor agree that other companies in AmBank Group, their merchants and strategic partners may contact con tact the Chargor about products, services and offers, which the Chargee and AmBank Group believe may be of interest or beneficial to the Chargor. (e) The Chargee and AmBank Group may communicate with Chargor through various channels, including telephone, e-maile -mail, electronic / mobile messaging, facsimile or post, using the contact information ▇▇▇▇▇▇▇ has provided. (f) Chargor may inform the Chargee at any time if Chargor do not wish to receive marketing communications from the ChargeeBank, AmBank Group and/or and/ or their merchants merc hants and business partners, by contacting the Chargee at the various channels given below: i. Customer Service Officer ii. Phone : (▇▇▇) ▇▇▇▇ ▇▇▇▇ (Overseas) [24 hours] iii. E-mail : ▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ iv. Post : Privacy, AmBank Contact Centre, P.O. ▇▇▇ ▇▇Box No. ▇▇▇▇▇12617, ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇50784 Kuala Lumpur (g) ▇▇▇▇▇▇▇’s latest written instructions to the Chargee will prevailprevail . Chargor acknowledges that certain communications such as the statements of Facility to the Chargor and AmBank Group’s websites may contain standard information regarding other products and services of the Chargee and AmBank Group that cannot be removed without affecting the delivery / operation provision of the Facility and/or and/ or without additional costs to ChargorChargor . (h) The Chargee may use a credit reporting agency to help make decisions, for example when the Chargee needs to: i. check details on applications for the Facility, financing and financing-related financing -related or other facilities granted to the Chargor; ii. managing and reviewing revie wing the Facility; and/orand/ or iii. recover debts owed by the Chargor. (i) Chargor will be linked by credit reporting agencies to any other names Chargor use or may had used, and any joint and several applicants. The Chargee may also share information about Chargor and how Chargor ▇▇▇▇▇▇▇ manages the Facility with relevant credit reporting agencies. (j) Even after ▇▇▇▇▇▇▇ has provided the Chargee with any information, Chargor will have the option to withdraw the consent given earlier. In such instances, the Chargee will have the right to not provide or discontinue the provision of the Facility that is/is/ are linked with such information. (k) The Chargee reserves the right to amend this Clause from time to time at the Chargee’s discretion by providing notice to the Chargor.