Principal and Supplementary Credit Card Application Form

Yes, I would like to accept the following Hong Leong Credit Card(s) upon approval of my Hong Leong Mortgage Loan or Car Loan:
Hong Leong Mortgage Loan Hong Leong Car Loan

Credit Card*:
(i) Emirates HLB World Elite (Mastercard) (iii) Platinum Business (Mastercard) (v) Visa Gold
Emirates HLB World (Mastercard) Mastercard Gold
Emirates HLB Platinum (Mastercard) Essential (Visa)
My Emirates Skywards Membership No. (iv) Sutera Platinum (Visa) WISE Gold (Visa)
E K Sutera Platinum (Mastercard) GSC Gold (Visa)
Note: If you are not an Emirates Skywards GSC Platinum (Visa) GSC Gold (Mastercard)
member, you will be automatically enrolled as GSC Platinum (Mastercard) AirAsia Gold (Visa)
a member upon approval of the credit cards. AirAsia Platinum (Visa) The Store Gold (Mastercard)
Email address is compulsory.
The Store Platinum (Mastercard) Pacific Gold (Mastercard)
(ii) Hong Leong Infinite (Visa) Pacific Platinum (Mastercard) I’m (Mastercard)
Hong Leong Infinite Doctor’s Edition (Visa)
My Malaysia Airlines Enrich Card No. Companion Card:
M H Touch ’n Go Zing
Note: If you are not an Enrich member, you
will be automatically enrolled as a member
upon approval of the credit cards.
Email address is compulsory.

1st year annual fee waiver subject to 1 swipe within 45 days from card approval date. Not applicable for Emirates HLB World Elite and World.

I hereby agree on the subsequent Hong Leong

year annual fee waiver subject to Infinite / Emirates Sutera Platinum Gold / The Store GSC Gold / GSC Gold GSC Platinum
Condition 1 OR Condition 2 Infinite / HLB Platinum Business Essential / Pacific GSC Platinum (Approved (Approved
Infinite Doctor’s Platinum (Approved after after
(no annual fee waiver for Emirates 26 June 2018) 26 June 2018)
Edition / I’m before
World Elite and World and WISE Card) 26 June 2018)

Condition 1 : Minimum spend per annum RM50,000 RM15,000 RM15,000 RM8,000 - - RM8,000 RM15,000
Condition 2 : Minimum number of swipes No annual fee
per annum - - 12 12 12 12 - -

Notes: *This application constitutes a request for World/Platinum/Gold credit card if the applicant does not qualify for World Elite/World/Infinite/Platinum.
Hong Leong Bank may at its sole discretion, upgrade the Infinite credit card application to a Infinite (by invitation) credit card if the applicant is eligible.
Subsequent year annual fee waiver for AirAsia Platinum and AirAsia Gold are subject to Hong Leong Bank’s annual review.

Part A Your Personal Details Part B FATCA Declaration

Dr Mr Madam Ms Others FATCA Declaration

I, the account holder, hereby declare that the below is true, accurate and
Full Name (as per I.C./Passport) (please underline your surname) complete. I understand that the term “U.S. person” means any citizen or resident
of the United States or holds a U.S. passport or U.S. green card:
Name to Appear on Card (not more than 19 letters) (A1) I am a U.S. person.
Please fill up Form W-9 from:
http://www.irs.gov/pub/irs-pdf/fw9.pdf
Gender Male Female (A5) I am a Non U.S. person but one or more of the below is applicable to me.
Please fill up Form W-8BEN from:
New IC/Passport No. Passport http://www.irs.gov/pub/irs-pdf/fw8ben.pdf
Expiry Date
(a) I was born in the U.S.:
Old I.C. No. I have provided the “Certificate of Loss of Nationality”.
I confirm that I do not have the “Certificate of Loss of
Date of Birth (dd/mm/yyyy) Nationality”, as I have:
i. Lost it; or
Race Malay Chinese Indian Pribumi Others ii. Other reason (please describe) ____________________
(b) I have a current U.S. resident or mailing address,
Nationality including a U.S. P.O. Box address.
(c) I only have a “hold mail” or “in care of” address that is the
Residency Status Resident Non-Resident sole address of this account.
(d) I have a U.S. telephone number.
Marital Status
(A6) I am a Non U.S. person and none of that stated in (a) to (c) above
Single Widowed Married Divorced are applicable to me.

No. of dependents

Hong Leong Bank Berhad (97141-X) 1 V03 JULY 2019

 Part C Your Residence Office Tel. No.

Home Address Extension No.

Nature of Business
Postcode City
Occupation
State Country

Type of Residence Annual Gross Income

Owned Rented Employer’s Parents’ RM

Length of Stay Annual Other Income

RM
Home Tel. No.
Length of Service MM YY
Handphone No.
Name of Previous Employer (if working less than 1 year in present employment)
Email Address
(compulsory for Emirates/Infinite/Infinite Doctor’s Edition/GSC/AirAsia/I’m)

Length of Service MM YY

Important Notice:
Credit Card Statement Part E Your Mailing Address
Existing customers enrolled for a password protected email Credit Card Statement
will continue to receive their email statement on monthly basis. New credit card Home Office
customer with email address registered with the Bank will be enrolled for email
statement automatically. Mandatory for customer who opt for paper statement with a chargeable fee of
RM 1 (effective 1 August 2019 )
No, I prefer printed copy of my credit card monthly statement to where I have
selected as my mailing address.
Part F Delivery of Credit Card
Effective 1 August 2019, a paper statement fee of RM 1.00 will be applied for each
credit card statement. RM 1 Paper Statement Fee will be exempted for below
customer: Home Office
1. aged 60 and above (auto-exemption)
2. customer with disabilities
3. customer with difficulties accessing electronic statement. Part G Monthly Payment Instruction
If you fall under second and third group, kindly write to the Bank with supporting
documents to request for exemption. I hereby authorize Hong Leong Bank to debit my Savings/Current Account monthly
in settlement of my Hong Leong Credit Card one (1) day before the Payment Due
Date*. I understand and agree that I shall be liable for all late charges, penalties
Transaction Alert Notification and fees whatsoever incurred in accordance with the relevant Cardholder’s
For your security, Hong Leong Bank (HLB) will notify you via Short Messaging Agreement if payment of the outstanding balances under my Hong Leong Credit
System (SMS) sent to your registered mobile number of certain transactions made Card cannot be made by the Payment Due Date.
on your HLB credit card(s). You can choose to set your own preferred SMS
notification threshold amount by downloading the form at www.hlb.com.my/ccf *Please note that the Hong Leong Credit Card Account will be credited on the next
and submit the completed form to us via fax/email or at any nearest branches. calendar day after successful attempt.

Account No.
Part D Your Employment Information For: Minimum Payment Full Payment

Employment Type
Part H Supplementary Credit Card
Self-employed with Workers
Self-employed without Workers Dr Mr Madam Ms Others
Government Employee / Civil Servant
Full Name (as per I.C./Passport) (please underline your surname)
Private Sector Employee
Retiree / Housewife
Name to Appear on Card (not more than 19 letters)
Company Name

Company Registration No. (for self-employed) Gender Male Female

New IC/Passport No. Passport

Company Name to Appear on Card (not more than 19 letters) Expiry Date
(for Platinum Business Application) Old I.C. No.

Date of Birth (dd/mm/yyyy)

Office Address
Race Malay Chinese Indian Pribumi Others

Postcode City Nationality

State Country Residency Status Resident Non-Resident

Hong Leong Bank Berhad (97141-X) 2 V03 JULY 2019

 Part H Supplementary Credit Card (continue) Part J DECLARATION – Please sign in the boxes provided below

FATCA Declaration I/we confirm and agree that:- (a) all Information given above is true and
complete; (b) Hong Leong Bank Berhad (“HLBB”) is authorised to verify the
I, the account holder, hereby declare that the below is true, accurate and
information from whatever sources and means that it deems appropriate; (c)
complete. I understand that the term “U.S. person” means any citizen or resident
I/we shall be bound by the terms and conditions of the Hong Leong Bank
of the United States or holds a U.S. passport or U.S. green card:
Cardholder Agreement, Touch’n Go Zing Card and any other terms and
(A1) I am a U.S. person. conditions of the credit card applied for in this application form as may be
Please fill up Form W-9 from: amended from time to time; (d) my/our application may be declined without
http://www.irs.gov/pub/irs-pdf/fw9.pdf any reason given; (e) my/our personal borrowings from all sources within
Malaysia do not exceed in aggregate RM200,000 (for non-Malaysians only); (f)
(A5) I am a Non U.S. person but one or more of the below is applicable to me. I/we authorize and consent to HLBB obtaining any other information from any
Please fill up Form W-8BEN from: sources including but not limited to the Central Credit Reference Information
http://www.irs.gov/pub/irs-pdf/fw8ben.pdf System (CCRIS), FIS, CTOS or any credit reference agency, Inland Revenue
(a) I was born in the U.S.: Authorities or any authorities without further notice to me/us to such extent
I have provided the “Certificate of Loss of Nationality”. and for such purpose as HLBB may in its absolute discretion deem necessary or
I confirm that I do not have the “Certificate of Loss of expedient in connection with the application, distribution and provision of
Nationality”, as I have: products and services; (g) where I/we have faxed or sent the credit card
i. Lost it; or application form to HLBB via email, I/we agree that the said faxed or scanned
ii. Other reason (please describe) ____________________ copy of application form shall be regarded as an original for processing
purposes, containing all true and accurate particulars and that the said faxed or
(b) I have a current U.S. resident or mailing address, scanned copy of application form and all card transactions arising in relation to
including a U.S. P.O. Box address. it shall be valid and binding on me/us but notwithstanding this, I/we will retain
(c) I only have a “hold mail” or “in care of” address that is the the original signed application form at all times and make it available to HLBB
sole address of this account. upon request; (h) any inaccuracy or misrepresentation in the said information
will result in my/our waiving all rights of dispute and will remain liable for all
(d) I have a U.S. telephone number.
outstanding and all losses and expense incurred by HLBB.
(A6) I am a Non U.S. person and none of that stated in (a) to (c) above
are applicable to me. Financial Services Act 2013 (“FSA”) and BNM Guidelines on Credit Transactions
and Exposures with Connected Parties (“Guidelines”)
To enable HLBB to comply with the FSA and the said Guidelines, I/we shall declare
Relationship with Principal Card Applicant to HLBB whether I/we am/are a connected party under the Guidelines, which
includes but is not limited to, a spouse, child, parent or financial dependant of
Home Address HLBB’s Director, Executive Officer or credit-approving/appraising/reviewing officer
or in the case of a corporate/business-customer, includes an entity controlled by
such above mentioned HLBB’s persons. If at any time I/we become a connected
Postcode City person, I/we must notify HLBB in writing immediately. HLBB reserves the right to
terminate the Facility in the event I/we fail to make the appropriate or correct
State Country declaration, resulting in HLBB contravening the FSA or the said Guidelines.
Right to Disclose Information
Email Address
In addition to the permitted disclosures provided under Schedule 11 of the FSA,
I/we hereby irrevocably authorize and permit HLBB, its officers and employees to
Home Tel. No. disclose and furnish all information concerning my/our credit card facilities, this
application form, my/our present and future accounts and any other matters
Handphone No.
relating to me/us or my/our business and operations to:
Occupation (a) other financial institutions granting or intending to grant any credit facilities
to me/us, the Central Credit Bureau or any other central credit bureau
Company Name established by Bank Negara Malaysia, Cagamas Berhad, Biro Maklumat Cek,
Credit Guarantee Corporation, any other relevant authority as may be
authorized by law to obtain such information or such authorities/agencies
Office Address established by Bank Negara Malaysia or any agency established by the
Association of Banks in Malaysia;
(b) any current or future corporation which may be associated with or related
Postcode City to HLBB (as defined in the Companies Act 2016), including representative
and branch offices and their respective representatives as well as
State Country subsidiaries of HLBB’s holding company;
(c) the security parties or any party intending to provide security in respect of
Nature of Business my/our credit card facilities;
(d) HLBB’s auditors, solicitors and/or other agents in connection with the
Credit Limit recovery of moneys due and payable hereunder; and
Supplementary Card Applicant will share 100% of my credit limit (e) HLBB’s professional advisers, service providers, nominees, agents, contractors
or third party service providers who are involved in the provision of products
Assign Supplementary Card Applicant with credit limit of: and services to or by HLBB and its related or associated companies.
RM (f) Malaysian Airlines System Berhad, Priority PASS (A.P.) Ltd and Plaza
Premium Lounge Malaysia Sdn Bhd to provide the benefits of Hong Leong
Note: All outstanding balances or unpaid amounts in the Supplementary Card Infinite / Infinite /Infinite Doctor’s Edition credit card.
account in a particular month will be transferred to the Principal Cardholder (g) AirAsia Berhad to provide the benefits of AirAsia Credit Card.
account at the next statement date, following which the assigned credit limit
will be reinstated accordingly. (h) Emirates Airlines to provide the benefits of Emirates HLB Cards.

I/we hereby irrevocably consent to such disclosure and confirm that HLBB , its
Part I Your Other Financing Facilities (Non-bank) officers and employees shall be under no liability for furnishing such
information or for the consequences of any reliance which may be placed on
Are you an existing Hong Leong Bank customer? Yes No the information so furnished in accordance with this Agreement.

Loan/Financing Representation and Warranty on Processing Personal Information

No. Type of Facility Instalment/Repayment I/we hereby represent and warrant that I/we have obtained the consent of all
Amount
persons named in my/our application for the Account(s) or such other document
1. submitted to HLBB in support of such application and/or their authorized
representatives, including but not limited to my/our directors, shareholders,
authorized signatories or such other persons as specified by HLBB (“Relevant Data
Subjects”), for HLBB’s collection, holding and use of the personal information of the
2. Relevant Data Subjects in accordance with HLBB’s Privacy Policy as may be
amended from time to time.
Consent to Process Personal Information
I/we hereby agree and consent to the holding, collection and use of all personal
data provided to HLBB by me/us and/or acquired by HLBB from the public domain,
3. as well as personal data that arises as a result of the provision of services to
me/us in connection with the Account(s) in accordance with the Privacy Policy of
HLBB as may be amended from time to time.”Privacy Policy” shall mean HLBB’s

Hong Leong Bank Berhad (97141-X) 3 V03 JULY 2019


Part J DECLARATION (continue)
policies and principles pertaining to the collection, use and storage of personal
information of existing and prospective individuals and entities dealing with HLBB
as may be amended from time to time and made available at HLBB’s website or
in such manner as HLBB deems appropriate from time to time.
(1) I/we hereby declare that I/we have fully disclosed to HLBB all of my/our
outstanding financing facilities with all financial service providers including
non-financial entities. Any inaccuracy or misrepresentation provided by me/us in
the aforesaid information shall not attribute to HLBB’s failure to adhere to the
BNM’s guidelines. (2) I/we hereby acknowledge that in the event the financing
tenure extends into my/our retirement age, I/we am/are aware that it is my/our
responsibility to ensure that I/we have a retirement plan to adequately cater for
the financing repayments accordingly. (3) I/we hereby acknowledge receipt of
HLBB Credit Card’s Product Disclosure Sheet.
Consent to Privacy Policy
I/we have read HLBB's Privacy Policy and agree that all personal data provided to
HLBB by me/us and/or acquired by HLBB from the public domain, as well as
personal data that arises as a result of the provision of services to me/us will be
subject to such Privacy Policy as may be varied from time to time. I/we hereby
agree and authorise the disclosure of my/our name(s) and other contact details to
companies within HLBB and/or Hong Leong Financial Group Berhad group of
companies for marketing and for promotional purposes. Copies of the Privacy
Policy are available upon request or from HLBB's website (www.hlb.com.my).
Note: Customers who wish to opt-out from the sharing of their personal data
within HLBB and/or Hong Leong Financial Group Berhad group of companies for
marketing and promotional purposes are required to call our Call Centre at
03-76268899 to register their instruction to opt-out of the said sharing.
FATCA Declaration
I/We represent and declare that the information provided above is true,
accurate and complete. I/we understand what is FATCA and the term "U.S.
person" means any citizen or resident of the United States.
I/We hereby consent to Hong Leong Bank Berhad (HLBB) / Hong Leong Islamic
Bank Berhad (HLISB), or any of its related entities and affiliates, including
branches (collectively “the Bank”) to rely on and share my/our information
with domestic or overseas regulators or authorities or any party where
necessary for the purpose of enabling the Bank to comply with any legal, tax
or regulatory obligations under any applicable laws or pursuant to any
intergovernmental agreement to exchange financial account information.
I/We undertake to advise the Bank within 30 days of any change in
circumstances which affects my/our tax residency status or causes the
information contained herein to become incorrect or incomplete, and to
provide the Bank with a suitably updated form 30 days of such change in
circumstances.
I/We understand that the Bank is not able to provide tax advice to me/us and
that I/we undertake the responsibility to consult professional tax adviser.
Signature of Principal Card Applicant
Date / /
DD MM YY
Referral info – Referrer’s name: _____________________________________________________________________________________________________________
For Bank Use Only
Channel Campaign Br/Div
Attended by : Signature Name
Staff New IC No.
Remarks:
MMC/MDC Registration No. (for Infinite Doctor’s Edition only)
Private Banking/High Net Worth Individual with AUM ≥RM 5 Million
Businesses/activities identified as money laundering and financing
of terrorism risk.
(Refer to NTM) Please indicate:
If the customer falls in any of the ABOVE category, please proceed to complete the Enhanced Due Diligence (EDD) Form.
Hong Leong Bank Berhad (97141-X)
I/We hereby consent and agree that the Bank may withhold and pay out from
my/our account(s) such amounts as may be required in accordance with the
requirements of Foreign Account Tax Compliance Act as may be stipulated by
applicable laws, regulations, agreement or regulatory guidelines or directives.
I/We hereby consent that the Bank may classify me/us as a recalcitrant account
holder or non-participating foreign financial institution ("NPFFI") and/or suspend,
recall or terminate my/our account(s) and/or facilities granted to me/us, in the
event I/we fail to provide accurate and complete information and/or
documentation as the Bank may require.
Domestic Ringgit Borrowing
Borrowing in ringgit obtained by a resident from another resident, included any
credit facility, financing facility, trade guarantee or guarantee for payment of
goods, redeemable preference share, Islamic redeemable preference share,
private debt security or Islamic private debt security excluding:-
i. Trade credit terms extended by a supplier for all types of goods or services;
ii. Forward contract with a licensed onshore bank excluding a contract that
involves the exchanging or swapping of existing ringgit or foreign currency
debt obligation into another foreign currency or ringgit debt obligation;
iii. Performance guarantee or financial guarantee;
iv. Operational leasing facility;
v. Factoring facility without recourse;
vi. One personal housing loan / financing and one vehicle loan / financing
obtained from residents; or
vii. Credit card and charge card facility obtained by a resident individual from a
resident.
Residency Status
“non-resident” means—
(a) any person other than a resident;
(b) an overseas branch, a subsidiary, regional office, sales office or
representative office of a resident company;
(c) Embassies, Consulates, High Commissions, supranational or international
organizations; or
(d) a Malaysian citizen who has obtained permanent resident status of a
country or territory outside Malaysia and is residing outside Malaysia;
“resident” means—
(a) a citizen of Malaysia, excluding a citizen who has obtained permanent
resident status in a country or a territory outside Malaysia and is residing
outside Malaysia;
(b) a non-citizen of Malaysia who has obtained permanent resident status in
Malaysia and is ordinarily residing in Malaysia;
(c) a body corporate incorporated or established, or registered with or
approved by any authority, in Malaysia;
(d) an unincorporated body registered with or approved by any authority in
Malaysia; or
(e) the Government or any State Government;
Platinum Business Credit Card application declaration
I hereby declare that the credit card obtained is for business use.
Signature of Supplementary Card Applicant
Date / /
DD MM YY
(existing HLB code) Team Code Source Code
Staff No. (numeric only)
Phone No.
Verified by:
Date:
Politically Exposed Persons (PEP) (both foreign and local)
Customers from countries or jurisdictions that poses as having
on-going or substantial ML/TF risks or customers having personal
business in high risk geographical area.
Please indicate country:
(Refer to the latest GC issued on FATF notice/ announcement)
4 V03 JULY 2019
 Consent for Disclosure of Credit Information – Individual Keizinan Untuk Pendedahan Maklumat Kredit – Individu
To / Kepada:
1) CTOS Data Systems Sdn Bhd
2) RAM Credit Information Sdn Bhd
3) Credit Bureau Malaysia Sdn Bhd
4) FIS Data Reference Sdn Bhd
5) BASIS Corporation Sdn Bhd
6) Dun & Bradstreet Malaysia Sdn Bhd
(each to be referred to herein as a “Credit Reporting Agency” and collectively, “Credit Reporting Agencies”)
(secara individu disebut sebagai “Agensi Pelaporan Kredit” dan secara keseluruhan disebut sebagai “Agensi-Agensi Pelaporan Kredit”)
And / Dan
7) Hong Leong Bank Berhad (“HLB”)/Hong Leong Islamic Bank Berhad (“HLISB”)

Consent for Disclosure of Credit Information

1. Pursuant to the Credit Reporting Agencies Act 2010 (“CRA”), I/we, the undersigned, hereby irrevocably and unconditionally
authorize the Credit Reporting Agencies to process and disclose any of my/our personal information and credit information (as
defined in the CRA), including credit information where I am/we are a joint applicant or to which I am/we are or have been linked
(collectively referred to as “Credit Information”) and resides in the records of the Credit Reporting Agency or any information
in the record of the Central Credit Bureau, Bank Negara Malaysia (“BNM”) (including the Central Credit Reference Information
System (CCRIS), the Dishonoured Cheques Information System (DCHEQS), the Perbadanan Insurans Deposit Malaysia (PIDM), the
Financial Institutions Statistical System (FISS) or any other database or system established by BNM or any other governmental or
regulatory authority or body, Cagamas Berhad and/or Credit Guarantee Corporation Malaysia Berhad (collectively referred to
as “Credit Information”) to HLB/HLISB for the purposes which shall include but not be limited to the following:-
a) To process and consider my/our application/additional application for HLB/HLISB’s credit and credit-related or other products
or services of HLB/HLISB;
b) To evaluate and monitor my/our credit/financing worthiness;
c) For evaluation and due diligence purposes;
d) For data processing and analytical purposes;
e) To respond to inquiries from me/us;
f) For debt collection purposes;
g) For enforcement of HLB/HLISB’s rights and obligations;
h) For assessing, processing and investigating insurance/takaful risks and claims;
i) For deposit insurance/takaful purposes;
j) For audit and risk management; and
k) For all other purposes incidental and associated with any of the above.

2. In connection with the Consent herein provided, I/we hereby authorize HLB/HLISB to provide the relevant Credit Reporting Agency
with my/our personal details, as provided below, to enable the Credit Reporting Agency to provide me/us with the relevant
notification as required under the CRA.

3. I/we hereby agree and confirm that I/we shall not hold HLB/HLISB liable or responsible for :
a) Any statement, misstatement, inaccuracy or omission of any type or manner contained in the credit information, records and/or
credit reports provided to HLB/HLISB by the relevant Credit Reporting Agency;
b) HLB/HLISB’s reliance on such credit information, records and/or credit reports provided by the relevant Credit Reporting
Agency to arrive at a decision in relation to my/our application for credit and credit-related or other products or services of
HLB/HLISB; and
c) Any disclosure of my/our Credit Information by the relevant Credit Reporting Agency to any of the Credit Reporting Agency’s other
subscribers in connection with the credit reporting service provided.
4. This Consent shall be without prejudice to any other clause in the agreement governing the terms of the credit and credit-related or
other products or services of HLB/HLISB which I/we have applied for herein and shall remain valid and binding against me/us so long
as I/we remain a customer of HLB/HLISB.

5. This Consent shall be applicable for the following product(s):

(a) Credit Cards (d)
(b) (e)
(c) (f)

Hong Leong Bank Berhad (97141-X) Hong Leong Islamic Bank Berhad (686191-W) V004 16 March 2018
 Consent for Disclosure of Credit Information – Individual Keizinan Untuk Pendedahan Maklumat Kredit – Individu

Keizinan Untuk Pendedahan Maklumat Kredit

1. Menurut Akta Agensi Pelaporan Kredit 2010 (“APK”), saya/kami, yang bertandatangan di bawah, dengan ini secara tidak boleh batal
dan tanpa syarat memberi kuasa kepada Agensi-Agensi Pelaporan Kredit untuk memproses dan mendedahkan sebarang maklumat
peribadi dan maklumat kredit saya/kami, termasuk maklumat kredit di mana saya/kami adalah pemohon bersama atau yang berkaitan
dengan saya/kami (secara keseluruhan disebut sebagai “Maklumat Kredit”) dan yang terdapat dalam rekod-rekod Agensi Pelaporan
Kredit yang berkenaan dan sebarang maklumat yang terdapat di dalam rekod Biro Kredit, Bank Negara Malaysia (“BNM”) (termaksud
Sistem Maklumat Rujukan Kredit Pusat), Cek Dishonoured Sistem Maklumat (DCHEQS), Perbadanan Insurans Deposit Malaysia (PIDM),
Sistem Statistik Institusi Kewangan (FISS) atau mana-mana pangkalan data yang lain atau sistem yang ditubuhkan oleh BNM) atau
mana-mana ahli Kumpulan sama ada atau tidak ditubuhkan atau diluluskan oleh BNM atau mana-mana pihak berkuasa kerajaan atau
pihak berkuasa atau badan lain, Cagamas Berhad dan/ atau Credit Guarantee Corporation Malaysia Berhad (secara keseluruhan disebut
sebagai “Maklumat Kredit”) kepada HLB/HLISB bagi tujuan-tujuan seperti, tetapi tidak terhad kepada yang berikut:

a) Bagi memproses dan mempertimbangkan permohonan/permohonan tambahan saya/kami untuk kemudahan kredit dan
kemudahan yang berkaitan dengan kredit atau produk atau perkhidmatan HLB/HLISB yang lain;
b) Bagi menilai dan memantau kedudukan kredit/pembiayaan saya/kami;
c) Bagi tujuan proses penilaian dan usaha wajar;
d) Bagi tujuan pemprosesan data dan analisis;
e) Bagi memberi maklumbalas kepada pertanyaan saya/kami;
f) Bagi tujuan pengutipan hutang;
g) Bagi tujuan penguatkuasaan hak dan tanggungjawab HLB/HLISB;
h) Bagi menilai, memproses dan menyiasat risiko dan tuntutan insurans/takaful;
i) Bagi tujuan insurans/takaful deposit;
j) Bagi tujuan audit dan pengurusan risiko; dan
k) Untuk semua tujuan sampingan yang lain dan yang berhubung-kait dengan mana-mana perkara di atas

2. Sehubungan dengan Keizinan yang telah diberikan, saya/kami dengan ini memberi kuasa kepada HLB/HLISB untuk mengemukakan
butir-butir peribadi saya/kami, seperti yang tertera di bawah, kepada Agensi Pelaporan Kredit yang berkenaan, untuk membolehkan
Agensi Pelaporan Kredit untuk mengemukakan notis yang berkaitan kepada saya/kami seperti yang telah ditetapkan oleh APK.

3. Saya/kami dengan ini bersetuju dan mengesahkan bahawa saya/kami tidak akan mempertanggungjawabkan HLB/HLISB atas:
a) Sebarang kenyataan, salah nyata, ketidaktepatan atau peninggalan mana-mana jenis atau cara yang terkandung dalam
maklumat kredit, rekod dan/atau laporan kredit yang telah disediakan kepada HLB/HLISB oleh Agensi Pelaporan Kredit;
b) Kebergantungan HLB/HLISB terhadap maklumat kredit, rekod dan/atau laporan kredit yang telah disediakan oleh Agensi Pelapo-
ran Kredit yang berkenaan dalam membuat keputusan berhubung dengan permohonan kemudahan kredit dan kemudahan
berkaitan kredit atau produk atau pekhidmatan HLB/HLISB yang lain; dan
c) Sebarang pendedahan maklumat kredit saya/kami oleh Agensi Pelaporan Kredit yang berkenaan kepada mana-mana pelang-
gan Agensi Pelaporan Kredit yang lain berhubung dengan perkhidmatan pelaporan kredit yang disediakan.
4. Keizinan ini tidak akan menjejaskan mana-mana klausa yang terkandung dalam perjanjian yang menetapkan syarat-syarat
kemudahan kredit dan kemudahan berkaitan kredit atau produk atau perkhidmatan HLB/HLISB yang telah saya/kami pohon dan
hendaklah terus sah dan terikat ke atas saya/kami selama saya/kami kekal sebagai pelanggan HLB/HLISB.

5. Keizinan ini akan terpakai kepada produk-produk berikut:-

(a) Kad Kredit (d)
(b) (e)
(c) (f)

Name Nama Name Nama

NRIC/Passport No. No. KP Baru./Pasport NRIC/Passport No. No. KP Baru./Pasport

Telephone/Mobile No. No. Telefon/Telefon Bimbit Telephone/Mobile No. No. Telefon/Telefon Bimbit
E-mail address Alamat e-mel E-mail address Alamat e-mel
Correspondence address Alamat pos surat menyurat Correspondence address Alamat pos surat menyurat

Signature Tandatangan Signature Tandatangan

X X
Date Tarikh Date Tarikh

Hong Leong Bank Berhad (97141-X) Hong Leong Islamic Bank Berhad (686191-W) V004 16 March 2018
PRODUCT DISCLOSURE SHEET Hong Leong Bank Berhad
Read this Product Disclosure Sheet before you decide to take up the Hong Leong Credit Cards. Credit Cards
Be sure to also read the general terms and conditions.
Date:
1. What is this product about?
This is a Hong Leong Credit Card with a line of credit granted to Cardholder. If any amount of the credit utilized by Cardholder is not settled in full on/or before the
due date, the unsettled amount will be subjected to finance charges.
2. What do I get from this product?
Credit limit
A revolving credit line approved by the Bank, based on the Cardholder’s eligibility.
Card type Minimum credit limit (RM)
Card type Minimum credit limit (RM) Cash Back cards
Travel cards WISE Gold (Visa) 2,000
Hong Leong Infinite (Visa) 100,000 Essential (Visa) 2,000
Hong Leong Infinite Doctor’s Edition (Visa) 12,000 The Store and Pacific Platinum (Mastercard) 12,000
Hong Leong Infinite (Visa) 45,000 The Store and Pacific Gold (Mastercard) 2,000
Emirates HLB World Elite (Mastercard) 60,000 Reward points cards
Emirates HLB World (Mastercard) 20,000 Sutera Platinum (Visa/Mastercard) 12,000
Emirates HLB Platinum (Mastercard) 12,000 Gold (Visa/Mastercard) 2,000
AirAsia Platinum (Visa) 12,000 GSC Platinum (Visa/Mastercard) 12,000
AirAsia Gold (Visa) 2,000 GSC Gold (Visa/Mastercard) 2,000
Business cards No-frills card
Platinum Business (Mastercard) 12,000 I’m (Mastercard) 2,000
NOTE: In line with the issuance of the revised Credit Card Guidelines on 2 Dec 2016, the minimum income eligibility for new credit cardholder is set at RM24,000
per annum. Credit cardholders who earn RM36,000 per annum or less can only hold credit cards from a maximum of two (2) issuers. In addition, the maximum
credit limit extended to the credit cardholder shall not exceed 2 times of their monthly income per issuer.
• Cardholder will be subjected to finance charges:-
(i) Retail purchases
To be calculated on a daily basis after the interest free period provided the current balance of the cardholder’s previous statement is fully paid by payment due date.
Otherwise, interest will be calculated on a daily basis from respective posting date. The finance charge may vary for each account based on the cardholder’s past 12
months repayment behaviour as below:
Cardholder’s payment behavior Retail interest rate
Cardholders who promptly settle their minimum payment due for 12 consecutive months 15% p.a.
Cardholders who promptly settle their minimum payment due for 10 months or more in a 12-month cycle; and 17% p.a.
Cardholders who do not fall within the above categories 18% p.a.
To enjoy lower finance charges for retail transactions, you should make at least 10 prompt payments in the last 12 months.
(ii) Cash advance
• 18% p.a. of the outstanding amount calculated on a daily basis from transaction date until full repayment date.
• (For Essential card only) 10.8% p.a. calculated on daily basis, from date of transactions. However, if cardholder defaults in payment of any outstanding
balances due to Hong Leong Bank Berhad (“the Bank”), the Bank shall reserve the right to charge the standard rate of 18% p.a
NOTE: The maximum daily cash withdrawal limit is subject to the available Cash Limit of your card and the prevailing withdrawal limit of any ATM in the case of cash
withdrawal made through an ATM; whichever is lower.
• Cardholder will be entitled to:
Type of rewards Card type
Cash Back
• 0.4% Cash Back for all Insurance transactions
• For other retail transactions* Essential
- Tier 1 – 0.4% Cash Back for first RM7,000 spend
- Tier 2 – 1% Cash Back for subsequent spend
Effective 1 July 2019
• With a minimum spend of RM500:
- For Petrol, Groceries and Dining categories, enjoy 8% cash back on Weekends and 1% on Weekdays. Each category WISE
is capped at RM18 cash back per month.
- All other valid Retail Transactions* (exclude Petrol, Groceries and Dining) will enjoy unlimited 0.25% cash back.
• Below RM500 spend, enjoy 0.25% cash back on all valid Retail Transactions*.
All valid Retail Transactions* would be awarded with Cash Back (in the form of The Store/Pacific vouchers):
- 3% for first RM1,500 spend at The Store/Pacific.
- 6% for subsequent RM1,501 and above spend at The Store/Pacific. The Store /Pacific
- 0.5% for all other Retail Transactions*.
Note: Subject to maximum cash rebate of RM75 per billing cycle for amount spent at The Store/Pacific outlets
Reward points
All valid Retail Transactions* would be given Reward Points Sutera Platinum/Gold/GSC
MAS Enrich Miles
All valid Retail Transactions* would be awarded with MAS Enrich Miles based on: Hong Leong Infinite /
• Local : RM2.8 = 1 mile • Overseas : RM1.8 = 1 mile Infinite / Infinite Doctor’s Edition
Skywards Miles
All valid Retail Transactions* would be awarded with Skywards Miles based on:
World Elite World Platinum Emirates
Emirates RM4 = 2.5 Skywards Miles Emirates RM4 = 2 Skywards Miles Emirates RM4 = 1.5 Skywards Miles HLB
Overseas RM4 = 1.75 Skywards Miles Overseas RM4 = 1.5 Skywards Miles Overseas RM4 = 1.25 Skywards Miles
Local RM4 = 1 Skywards Miles Local RM4 = 1 Skywards Miles Local RM4 = 0.5 Skywards Miles

V003 JULY 2019

 Type of rewards Card type
AirAsia BIG Points
All valid Retail Transactions* would be awarded with AirAsia BIG Points based on:
AirAsia
• AirAsia Transactions : RM1 = 6 BIG Points (Gold & Platinum)
• Overseas : RM2 = 1 BIG Point (Gold & Platinum)
• Local : RM3 = 1 BIG Point (Platinum) RM5 = 1 BIG Point (Gold)
*Retail Transactions (both local and international) EXCLUDE all Government and JomPAY related transactions, Cash Advances, Quasi Cash (betting and gaming
related transactions); Call-For-Cash, Call-For-Cash Plus, Flexi Payment Plan, Balance Transfers, Petrol transactions, Finance Charges, Late Charges and Annual Fee
Payment with the exception of Essential, Sutera Platinum, WISE, AirAsia, Hong Leong Infinite and Emirates HLB cards where petrol transactions will be awarded.

3. What are my obligations?

Minimum monthly repayment

• 5% of the outstanding balance or a minimum of RM50, whichever is higher.
Interest free period for retail purchase transaction
• 20 days from the statement date provided the current balance of the Cardholder’s previous statement is fully paid by payment due date. Otherwise, interest shall be charged
on retail purchase transactions from respective posting dates.
• The Principal Cardholder shall be liable for all outstanding balances incurred on the Principal and/or Supplementary Card(s). The Supplementary Cardholder shall be liable for all
outstanding balances incurred on his/her Supplementary Card only.

4. What are the fees and charges I have to pay?

Card replacement fee (Not applicable to I’m Credit Card)

• Any card replacement will be subjected to a Replacement Card Fee of RM50 (or such amount as may be determined by the Bank from time to time).
Overseas transaction
• Transactions in Foreign Currency - The transaction in foreign currency shall be converted at the foreign exchange rate and spread, if any, as determined by Visa International,
Mastercard International, plus up to 1% mark-up imposed by the Bank. 1% mark-up imposed by the Bank is not applicable to I’m Credit Card.
• Transactions in Ringgit Malaysia (RM) - Any administration fees charged by Visa International or Mastercard International.
Cash advance fee (Subject to Government Tax, if applicable, vary according to cash advanced amount)
• The cash advance fee is 5% of the amount advanced or a minimum of RM20 whichever is higher. This is imposed for each cash advance transaction.
• (For Essential card only) The cash advance fee is 2% of the amount advanced or RM5, whichever is higher. This is imposed for each cash advance transaction. The Bank
reserves the right to impose the standard rate of 5% per transaction or RM20,whichever is higher, at its sole discretion.
• (For Platinum Business card only) i) Withdrawal via Cheque: No fees applicable. ii) Withdrawal via ATM: The cash advance fee is 3% of the amount advanced or RM20,
whichever is higher. This is imposed for each cash advance transaction. The Bank reserves the right to impose the standard rate of 5% per transaction or RM20, whichever
is higher, at its sole discretion.

Annual fee 3
Principal Supplementary Amount
Fees and charges description 3 (RM)
Card type Annual Fee Annual Fee
(RM) (RM) Credit Card Service Tax (per card) 25
Sales draft retrieval (per copy)1 20
Travel cards Additional hardcopy statement request fee (per statement) 5
Joining fee (per card)2 20
Hong Leong Infinite (Visa) No annual fee No annual fee
Hong Leong Infinite (Visa) No annual fee No annual fee Annual processing fee (for The Store and Pacific cards only) No annual
Hong Leong Infinite processing fee will be charged by The Store Card Sdn. Bhd. for the first
Doctor’s Edition(Visa) No annual fee No annual fee year. For subsequent years, the annual processing fee will be charged
in accordance with the following membership status:
Emirates HLB World Elite 2,500 No annual fee
(Mastercard) The Store/Pacific Gold (per year) 20
The Store/Pacific Platinum (per year) 40
Emirates HLB World 1,200 No annual fee
(Mastercard) Re-direction for Hong Leong Rewards Programme and re-delivery fee,
Emirates HLB Platinum 250 No annual fee a nominal fee will be charged for every product delivery after the first
(Mastercard) unsuccessful delivery attempt under the Hong Leong Rewards
AirAsia Platinum (Visa) 350 150 Programme:
AirAsia Gold (Visa) 200 80 i) Re-direction fee to different address (per request) 10
Business cards ii) Re-delivery fee to same address (per request) 10
iii) Alternatively, Cardholders have the option of using 2,500 Reward Points
Platinum Business (PC:9000) to off-set the re-direction or re-delivery fee respectively
400 200
(Mastercard)
Cheque facility related fees (for Platinum Business card only)
Cash Back cards
i) Cheque book application/issuance (per leaf) 0.15
WISE Gold (Visa) 98 80 ii) Cheque procesing fee (effective 1 January 2015) (per cheque issued) 0.50
Essential (Visa) 100 50 iii) Destruction of uncollected cheque books for more than 28 days 30
The Store and Pacific 300 150 (per cheque book)
Platinum (Mastercard) iv) Returned Cheque
The Store and Pacific Gold 150 75 Due to insufficient fund (per cheque) 150
(Mastercard) Due to technical reasons (e.g. alterations) (per cheque) 10
Reward points cards v) Stop payment
Upon request (per cheque) 10
Sutera Platinum 400 200 Due to loss of cheque book (per instruction) 10
(Visa/Mastercard) Upon presentation of stop cheque:-
Gold (Visa/Mastercard) 160 80 • If sufficient fund (per cheque) 10
GSC Platinum (Visa/Mastercard) 300 150 • If insufficient fund (per cheque) 150
GSC Gold (Visa/Mastercard) 150 75
No-frills card
1 Not applicable to I’m Credit Card.
2 Applicable to I’m Credit Card only.
I’m (Mastercard) No annual fee No annual fee 3 Subject to Government Tax, if applicable.

V003 JULY 2019

 5. What if I fail to fulfill my obligations?
Late payment charge
• Minimum RM10 or 1% of the total outstanding balance as at statement date, whichever is higher, subject to a maximum of RM100.
Right to set-off
• The Bank may at its own discretion and by giving 7 calendar days’ notice, set-off any credit balance in your account(s) maintained with us against any outstanding
balance in this credit card account.
Liability for unauthorised transactions
The Cardholder would not be liable for card-present unauthorised transactions which require PIN verification or signature verification or the use of a contact less 
card, provided the Cardholders have not:
(i)  acted fraudulently;
(ii) delayed in notifying the Bank as soon as reasonably practicable after having discovered the loss or unauthorised use of the Credit Card;
(iii) voluntarily disclosed the PIN to another person or any third party;
(iv) recorded the PIN on the Credit Card or on anything kept in close proximity with the Credit Card;
(v)  left the Credit Card or an item containing the card unattended in places visible and accessible to others; or
(vi) voluntarily allowed another person to use the Credit Card
For the avoidance of doubt, Cardholders are expected to exercise due care in safeguarding the Credit Card even at the Cardholder’s place of residence.
If you fail to abide by the terms and conditions of credit card, we have the right to terminate your card.
Cardholder’s responsibilities to:
(a) abide by the terms and conditions for the use of the credit card;
(b) take reasonable steps to keep the credit card and PIN secure at all times, including at the cardholder’s place of residence. These include not:
i. disclosing the credit card details or PIN to any other person;
ii. writing down the PIN on the credit card, or on anything kept in close proximity with the card;
iii. using a PIN selected from the cardholder’s birth date, identity card, passport, driving licence or contact numbers; and
iv. allowing any other person to use the credit card and PIN.
(c) notify the Bank as soon as reasonably practicable after having discovered that the credit card is lost, stolen, an unauthorised transaction had
occurred or the PIN may have been compromised;
(d) notify the Bank immediately upon receiving short message service (SMS) transaction alert if the transaction was unauthorised;
(e) notify the Bank immediately of any change in the cardholder's contact number;
(f) use the credit card responsibly, including not using the credit card for unlawful activity; and
(g) check the account statement and report any discrepancy without undue delay.
6. What if I fully settle the balance before its maturity?
Lock-in period - Varies depending on chosen tenure/instalment period
Early settlement penalty
Balance Transfer : RM70 will be charged if the Cardholder fully settles the balance before the expiry of the chosen tenure.
Call-For-Cash Plus : RM25 will be charged if the Cardholder fully settles the balance before the expiry of the chosen instalment period.
7. What are the major risks?
• By paying minimum monthly repayment, it will take you longer and cost you more to settle the outstanding balance. Think about your repayment capacity when
charging the credit card. If you use your credit card to make repayment for other financing, it may cost you more. Please feel free to contact the Bank for financial
planning consultation and repayment alternatives, if necessary.
• If your credit card and/or PIN is lost or stolen, or after having discovered the loss or unauthorised use of your credit card, please notify the Bank immediately at
HOTLINE +603 –7626 8899.
8. What do I need to do if there are changes to my contact details?
• The Bank must be informed of any changes to your contact details such as email address, mailing address & telephone numbers as soon as possible to ensure all
correspondences reach you on a timely manner. You may call us at 03–7626 8899 to make the changes. For Hong Leong Online customers, please log on to Hong Leong
Online Personal and select “Update My Account” followed by “Update Contact Info”.
9. Where can I get further information?
• Should you require additional information on credit cards, please refer to the banking info booklet on ‘Credit Cards’, available at all our branches and the
www.bankinginfo.com.my website.
• For latest information contained in this Product Disclosure Sheet and full terms & conditions of our products, please visit www.hlb.com.my. In the event of any
dicrepencies, the latest information and terms & conditions on the Hong Leong Bank website shall prevail.
• If you have difficulties in making repayments, you should contact us earliest possible to discuss repayment alternatives. You may contact us at:
Consumer Collections Department
Hong Leong Bank Berhad, Level 2, Tower A, PJ City Development, 15A, Jalan 219, Section 51A, Petaling Jaya, 46100 Selangor . Tel:  +603-7959 1888 Fax: +603-7873 5555
E-mail: HLBB-CreditControl*TL@hlbb.hongleong.com.my
• Alternatively, you may seek the services of Agensi Kaunseling dan Pengurusan Kredit (AKPK), an agency established by Bank Negara Malaysia to provide free
services on money management, credit counselling, financial education and debt restructuring for individuals. You can contact AKPK at: Tingkat 8, Maju Junction Mall,
1001, Jalan Sultan Ismail, 50250 Kuala Lumpur. Tel: 03-2616 7766 E-mail: enquiry@akpk.org.my
• POWER! (Pengurusan Wang Ringgit Anda) Programme, offered by AKPK, promotes prudent money management and financial discipline to individual borrowers. To
register and for further information, kindly call 03-2616 7766 or visit the website at www.akpk.org.my
• If you have enquiries, concerns or comments please call, write, e-mail or fax us at:
Service Recovery & Complaint Resolution – Customer Experience
Hong Leong Bank Berhad, 13A Floor, Menara Hong Leong, No 6, Jalan Damanlela, Bukit Damansara, 50490 Kuala Lumpur. Tel : 03-7626 8899 Fax : 03-7946 8888
Email : HLOnline@hlbb.hongleong.com.my
• If your query or complaint is not satisfactorily resolved by us, you may contact Bank Negara Malaysia LINK or TELELINK at: Block D, Bank Negara Malaysia, Jalan Dato’Onn,
50480 Kuala Lumpur. Tel: 1-300-88-5465 Fax: +603-2174 1515 E-mail:bnmtelelink@bnm.gov.my

10. Other credit card products available

More exciting privileges that come with our Credit Cards:

Amount
i. Touch’n Go Card – the companion card that is linked to your Hong Leong Credit Card. Fee*
(RM)
It auto-reloads RM100 every time the balance in the Touch’n Go Card reaches below RM50.
ii. Balance Transfer (BT) Issuance fee (per card) 10
iii. Call-for-Cash (CFC) Card replacement fee (per card) 10
iv. Call-for-Cash Plus (CFC+) Touch' n Go auto reload fee (per auto reload) 2
v. Extended Payment Plan (EPP) *Subject to Government Tax, if applicable.

IMPORTANT NOTE : LEGAL ACTION MAY BE TAKEN AGAINST YOU IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR CREDIT CARD BALANCES.
The information provided in this sheet is valid as at / /
V003 JULY 2019
This page is intentionally left blank.
PFS Digital 2019 Credit Cards Acquisition Campaign

CAMPAIGN PERIOD
The Hong Leong Bank Berhad’s (97141-X) (“HLB”) “Credit Card Acquisition Campaign” (“Campaign”)
commences on 7th July 2019 at 00:00:00 hours (12:00a.m.) and ends on 7th July 2019 at 23:59:59 hours
(11:59p.m.), (“Campaign Period”), unless specified herein or notified otherwise.

TERMS AND CONDITIONS

The following sets out the terms and conditions applicable to the Campaign (“T&Cs”):-

CAMPAIGN ELIGIBILITY
1. This Campaign is open to New-to-Card (“NTC”) HLB Principal Credit Cardholders (“NTC
Cardholders”) who have, during the Campaign Period, applied for the Eligible Cards as stated in the
table appended below via HLB’s Website (as defined in Clause 3 below) or Hong Leong Connect
Internet Banking and/or Connect App (“Connect”) and the Eligible Cards are successfully approved
latest by 31st July 2019 (“Eligible Cardholders”).

In order for the NTC Cardholders to apply for the Eligible Cards via Connect, NTC Cardholders must
be a registered user of Connect (“Connect User”).

Eligible Cards
Visa MasterCard
Infinite P Platinum Business
Infinite The Store Gold/Platinum
Infinite Doctor’s Edition Pacific Gold/Platinum
AirAsia Gold/Platinum Emirates Elite/World/Platinum
GSC Gold/Platinum GSC Gold/Platinum
Sutera Platinum Sutera Platinum
Gold Gold
Essential I'm
WISE Gold

Note: NTC Cardholders denote new cardholders who do not hold any existing HLB Principal or
Supplementary Credit Cards (including MACH) prior to the Campaign Period and subject to the
terms and conditions as stated in Clause 2 below.

2. The following shall not be considered as NTC Cardholders and shall NOT be eligible for this
Campaign:
(a) Existing principal or supplementary cardholders of any HLB Credit Card;
(b) Cardholders whose HLB Credit Card account(s) is/are delinquent;
(c) Cardholders who have cancelled their HLB Credit Cards and have reapplied for a new HLB
Credit Card (including the Eligible Cards) as a principal or supplementary credit cardholder
within twelve (12) months from the date of such cancellation; and

Page 1 of 5 Ver010719
 (d) Cardholders who have committed or are suspected of committing any fraudulent, unlawful or
wrongful acts in relation to any of the facilities granted by HLB and/or Hong Leong Islamic
Bank (“HLISB”) or have been declared bankrupt (pursuant to a petition by either banks or by
any third party) or are subject to any bankruptcy proceedings at any time prior to, during or
after the Campaign Period.

For the avoidance of doubt, the NTC Cardholders shall provide their latest and accurate information
(including but not limited to correspondence address and contact information) to HLB for the
Eligible Card application and it is essentially the obligations of the NTC Cardholders to liaise with
HLB in the event of non receipt of the approved Eligible Card(s) within 45 days from the date of
application, failing which the NTC Cardholders are deemed to have received the Eligible Cards and
HLB shall not be responsible in the event that the NTC Cardholders are unable to participate with
this Campaign for any reasons whatsoever.

CAMPAIGN MECHANICS
3. To be eligible for this Campaign, Eligible Cardholders must apply for the Eligible Cards via HLB’s
website at www.hlb.com.my (“HLB’s Website”) or Connect by completing an electronic online HLB
credit card application form and uploading all required supporting documents to HLB. For the
avoidance of any doubt, the online HLB credit card application must be accessed via the Website.

4. Upon receiving the Eligible Cards, the Eligible Cardholders shall perform the following in order to
enjoy the 50% cashback offer for 4 consecutive weekends (“Cashback”), subject to the fulfilment
of the prescribed criteria herein:

i. Eligible Cardholders must perform Retail Spend (as defined in Clause 5 below) on
weekend within 30 days from the Eligible Cards activation date to be entitled for the
Cashback by using the Eligible Card. For the avoidance of doubt, Eligible Cardholders must
activate the card within 30 days from the approval date of the Eligible Cards
ii. In the event that the Eligible Cardholder has fulfilled the condition as stated in Clause 3
and Clause 4(i) above, the Cashback shall be credited to the principal Eligible Cardholder’s
Eligible Card account within two (2) months from the Eligible Card activation date. The
Eligible Cardholders will be notified by HLB by way of posting the list of Eligible
Cardholders (Principal credit cardholders name and masked credit card number)
(“Qualified Cardholders”) on HLB’s Website in the month of September 2019
(“Notification”);

iii. The Cashback is capped at RM200 per Cardholder per weekend and RM700 per
Cardholder per campaign. Total Cashback allocation for this Campaign is capped at
RM98,000 on a first-come, first-served basis. An illustration pertaining to the award of
Cashback is as per the table provided below:

Illustration of Campaign Mechanic

Activation Date Weekend Retail Spend Cashback Notification at HLB Website
12 July ‘19 a. 13 & 14 July ‘19: RM400 a. RM200 September 2019
b. 20 & 21 July ‘19: RM400 b. RM200
c. 27 & 28 July ‘19: RM400 c. RM200
d. 3 & 4 Aug ‘19: RM400 d. RM100

Page 2 of 5 Ver010719
 Total: RM700
22 July ‘19 a. 27 & 28 July ’19: RM600 a. RM200 September 2019
b. 3 & 4 Aug ’19: RM500 b. RM200
c. 10 & 11 Aug ’19: RM0 c. RM0
d. 17 & 18 Aug ’19: RM400 d. RM200
Total: RM600
31 July ‘19 a. 3 & 4 Aug ’19: RM200 a. RM100 September 2019
b. 10 & 11 Aug ’19: RM300 b. RM150
c. 17 & 18 Aug ’19: RM400 c. RM200
d. 24 & 25 Aug ’19: RM500 d. RM200
Total: RM650

iv. In the event of non-receipt of the Cashback, the Qualified Cardholders shall notify HLB
within three (3) months from the Eligible Card’s activation date, failing which the
Qualified Cardholders are deemed to have received the Cashback and any appeal for the
reimbursement of the said Cashback shall not be entertained.
v. HLB does not have any obligation to inform the Eligible Cardholders should the Cashback
reach the maximum allocation of RM98,000 during.

GENERAL
5. “Retail Spend” refers to retail and online purchases (including standing instructions and Instalment
Payment Plan (IPP)) transacted locally and internationally. Retail Spend excludes the following:
(a) cash withdrawal in any method (i.e. Automated Teller Machine, over-the-counter, quasi cash,
etc.);
(b) portfolio products such as Balance Transfer (BT), Call-For-Cash Plus (CFC Plus), Call-For-Cash
(CFC) and Flexi Payment Plan (FPP);
(c) refunded, disputed, unsuccessful, reversed, unauthorized, fraudulent or unlawful
transactions; and/or
(d) any form of services or miscellaneous fees, including finance charges and fees such as credit
card annual fee, late payment charges and government service tax, imposed by HLB.

6. “Weekend” refers to Saturday and Sunday.

7. By participating in this Campaign, the NTC Cardholders:

(a) Agree that they have read, understood and agree to be bound by the T&Cs herein, the
General Terms and Conditions of the Credit Cardholder Agreement available at HLB’s
Website;
(b) Agree that all records of transactions within or outside of Malaysia captured by the HLB’s
system within this Campaign are accurate and final;
(c) Agree that HLB’s decision on all matters relating to this Campaign shall be final (including
but not limited to the determining whether the transaction(s) performed by the Qualified
Cardholder is a Retail Transaction). No appeal and/or further correspondence will be
entertained;
(d) Agree that any reversal of transactions shall be excluded;
(e) Agree that the Cashback is non-transferable to any third party and non-exchangeable for
cash or other kinds;

Page 3 of 5 Ver010719
 (f) Agree to access the HLB’s Website at regular time intervals to view the T&Cs of this Campaign,
to ensure they keep up-to-date with any changes or variations to the T&Cs and to follow up
with HLB if they have been enlisted for the entitlement of the Cashback;
(g) Consent for HLB to disclose or publish their names, credit card numbers (in masked form)
and/or Cashback amount on HLB’s Website.

8. HLB reserves the right to:

(a) Reject at its sole and absolute discretion any Eligible Cards application submitted without
assigning any reason thereof;
(b) Disqualify any NTC Cardholders at its sole and absolute discretion from participating in this
Campaign;
(c) Decline the eligibility of any NTC Cardholders to participate in the Campaign for any reason
whatsoever as HLB may in its absolute discretion deem fit. In particular, HLB shall have the
absolute right to decline the eligibility of a NTC Cardholders who has performed a Retail
Spend within the meaning of these T&Cs, in a manner or pattern which HLB deems to be
abnormal, irregular and/or is indicative of an attempt to obtain an unfair advantage over
other NTC Cardholders with normal/regular spending patterns, and HLB’s decision in this
matter shall be final and conclusive on all NTC Cardholders;
(d) Forfeit and/or claw back the Cashback in the circumstance where there is reversal of Retail
Spend or termination of the Eligible Cards and/or HLB Cards within 30 days from the
activation date of the Eligible Card and/or at the point of awarding the Cashback or non-
compliance to the T&C herein;
(e) Amend the total Cashback or replace the Cashback herein with an alternative gift of similar
value at its absolute discretion, by way of posting on HLB’s Website or in any other manner
which HLB deems practical, in order to give prior notice to the NTC Cardholders; and
(f) Add, delete or amend the T&Cs herein, wholly or in part, or to terminate this Campaign, at
its absolute discretion, by way of posting on the HLB’s Website, or in any other methods
which HLB deems practical, in order to give a prior notice to the NTC Cardholders on such
addition, deletion or amendment of the T&Cs or termination of this Campaign.

9. HLB shall not be liable and responsible for any failure or delay in the submission and/or processing
of the Eligible Cards application and/or the sales transactions by Visa international Incorporated,
MasterCard Worldwide, Merchant establishments, postal service providers or any party in which
may result in the NTC Cardholders being omitted from this Campaign.

10.NTC Cardholders account(s) must be valid/active, in good standing and must not be in breach of
any of the T&Cs of this Campaign, and/ or General Terms and Conditions of the Credit Cardholder
Agreement at the point the Cashback are rewarded.

11.In addition to the terms stipulated above, NTC Cardholders agree that the General Terms and
Conditions of the Credit Cardholders’ Agreement shall be read together with the T&Cs herein as an
entire agreement. Any discrepancies between these T&Cs and the General Terms and Conditions
of the Credit Cardholder Agreement, the specific terms above shall prevail to the extent of such
discrepancies.

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12. In the event of any discrepancies between these T&Cs as compared to the advertising,
promotional, publicity and other materials relating to or in connection with this Campaign and/or
Contest, the final terms and conditions on the HLB’s Website shall prevail.

13.The T&Cs herein shall be governed by and construed in accordance with the laws of Malaysia and
the Eligible Cardholders agree to submit to the jurisdiction of the Courts of Malaysia.

14. Words denoting one gender include all other genders and words denoting the singular include the
plural and vice versa.

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