Terms & Conditions apply - Alliance Bank Malaysia Berhad

ALLIANCE DEBIT MASTERCARD® AGREEMENT
IMPORTANT NOTICE
Before you acknowledge receipt and/or use the DEBIT MASTERCARD® issued by
Alliance Bank Malaysia Berhad, please read the Terms and Conditions contained below
carefully.
You shall be deemed to have accepted and agreed to be bound by the Terms and
Conditions contained below upon your signing on the DEBIT MASTERCARD® or use of
the DEBIT MASTERCARD®.
The records and entries appearing on your monthly statement of account (“Statement of
Account”) shall be deemed to be correct and binding on you unless written notice to the
contrary shall have been received by Alliance Bank Malaysia Berhad, Card and Payment
Services Division within fourteen (14) days from the statement date as stated in the
Statement of Account. In the absence of such notification from you, the Statement of
Account shall be deemed conclusive of your confirmation and acceptance of the
transactions.
1. TERMS AND CONDITIONS
The issuance of the DEBIT MASTERCARD® by Alliance Bank Malaysia Berhad
(88103-W) (hereinafter called “the Bank”) to the Cardmember, the acknowledgement
of receipt as evidenced by the Acknowledgement of Receipt and/or use of the DEBIT
MASTERCARD® by the Cardmember shall be subject to the Terms and Conditions
contained herein.
2. DEFINITIONS
In this Agreement, unless the context otherwise requires:
2.1 “Acknowledgement of Receipt” shall mean any signed document or
acknowledgement slip acceptable to the Bank for the purpose of
acknowledging receipt of the DEBIT MASTERCARD®;
2.2 “Agreement” shall mean the terms and conditions governing the issuance to
and the use of the DEBIT MASTERCARD® by the Cardmember as set out in
this ALLIANCE DEBIT MASTERCARD® Agreement;
2.3 “ATM” shall mean an electronic terminal or device belonging to the Bank or
any other banks or financial institutions or any other third party whether in
Malaysia or elsewhere which accepts PIN for transactions;
2.4 “Authorised Cash Outlet” shall mean any branch, office and/or location
designated by the Bank or any member institution of MasterCard®
International to effect cash withdrawals through the use of the DEBIT
MASTERCARD®.
2.5 “Authorised Merchant” shall mean any retail or other person, firm or
corporation, whether local or international, which pursuant to an Agreement
entered into between the aforementioned person(s) and the Bank or a member
institution of MasterCard International, agrees to accept or cause its outlets to
accept DEBIT MASTERCARD® as payment for goods and/or services when
properly presented;

2.6 “The Bank” shall mean Alliance Bank Malaysia Berhad (88103-W), Card and
Payment Services, 2nd Floor, Menara Multi-Purpose, Capital Square, 8, Jalan
Munshi Abdullah, 50100 Kuala Lumpur, Malaysia;
2.7 “Business Day” shall mean a day on which banks are open for normal banking
business in Malaysia, as the case may be, for business of the nature required
under the terms and conditions herein;
2.8 “Card and Payment Services” shall mean the place or location designated by
the Bank to handle the daily operations of Debit Cards;
2.9 “Cardmember” shall mean the person whom the card has been issued to;
2.10 “Cash Withdrawal Draft” shall mean the relevant slips, forms or papers
supplied by the Bank or any member institution of MasterCard® International
to the Authorised Cash Outlet for the purpose of recording, confirming and
evidencing cash withdrawal by the Cardmember through the use of the DEBIT
MASTERCARD®;
2.11 “Cashback” shall mean the cash rebate that will be credited into the
Cardmember’s Hybrid Account (which rate and amount shall be subject to the
type and/or category of DEBIT MASTERCARD® issued by the Bank to the
Cardmember, as the Bank may, in its sole and absolute discretion, determine
from time to time) at the end of the Hybrid Account statement cycle for all
qualifying point-of-sale transactions.
2.12 “CDM” shall mean Cash Deposit Machine, which allows customers to deposit
their cash into a self-service terminal.
2.13 “ “Hybrid Account” shall mean the Alliance Hybrid Account (whether individual or
joint) of the Cardmember(s) opened with the Bank to which all monies to be
deposited on account of the Cardmember (or the accountholders of the Hybrid
Account, in the case of joint accounts) shall be credited and payments for
purchases of goods and/or services, Cash Withdrawal effected through the
use of the DEBIT MASTERCARD®, all annual fees, handling and additional
charges, finance charges, or any other charges shall be debited, and which
shall be governed by the Rules and Regulations of the Bank governing the
Hybrid Account;
2.14 “MasterCard® International” shall mean MasterCard® International
Incorporated, a company organised under the State of Delaware having its
office and principal place of business at 2000 Purchase Street, Purchase,
NY10577- 2509, United States of America of which the Bank is a member
institution;
2.15 “MEPS Network” shall mean the shared ATM network provided by member
banks of the Malaysian Electronic Payment System.
2.16 “PIN” shall mean a personal identification number of the Cardmember issued
by the bank to the Cardmember to access the services offered through any
Self-Service Terminal (SST) and any other services that will be offered by the
Bank from time to time;

2.17 “Retail Transaction” shall mean for the purpose of this Agreement, all
transactions for the purchase of the goods and/or services incurred using the
DEBIT MASTERCARD®;
2.18 “Sales Draft” shall mean the relevant payment slips, receipts, forms or papers
supplied by the Bank or any member institution of MasterCard® International
to the Authorised Merchant for the purpose of recording, confirming and
evidencing purchases or services incurred by the Cardmember through the
use of DEBIT MASTERCARD®;
2.19 “Securities” shall have the same meaning as is ascribed to that expression in
Section 2 (1) of the Capital Markets and Services Act 2007.
2.20 “Statement Date” shall mean a date of the month as determined by the Bank
to be the date of the Statement of Account and is printed accordingly in the
Statement of Account;
2.21 “Statement of Account” shall mean the periodic Statement issued by the Bank
to the Cardmember which shows the transactions made through the use of the
DEBIT MASTERCARD®, Self-Service Terminals, the fees and charges
incurred, the overdrawn amount if any and any other transaction;
2.22 “Terminal” shall mean a device manually or electronically activated to read
and/or record data of each charge;
2.23 “Transaction Limit” shall mean the limit imposed by the Bank on the Hybrid
Account for Retail Transactions which may be varied by the Bank from time to
time with notification to the Cardmember;
2.24 “Validity Period” shall mean the validity period prescribed by the Bank and
embossed on the DEBIT MASTERCARD®;
2.25 “DEBIT MASTERCARD®” shall mean any DEBIT MASTERCARD® issued by
the Bank under such category(ies) and/or type(s) as may be determined by the
Bank from time to time and shall include DEBIT MASTERCARD® issued in
affiliation or association with any third party and/or DEBIT MASTERCARD®
issued under any product or select name or references;
2.26 “Withdrawal Limit” shall mean the limit imposed by the Bank on the Hybrid
Account for cash withdrawals effected through ATMs or Authorised Cash
Outlets which may be varied by the Bank from time to time with notification to
the Cardmember;
2.27 Words importing the singular number shall include the plural and vice versa.
2.28 Words importing the masculine gender shall include the feminine and neuter
gender and vice versa.
2.29 Words applicable to natural persons shall include any body or persons,
company, corporation, firm or partnership, corporate or unincorporated, where
applicable.

3. ACCEPTANCE OF DEBIT MASTERCARD®
3.1 Upon receipt of the DEBIT MASTERCARD®, the Cardmember shall sign on it
immediately and acknowledge receipt thereof by signing and returning the
Acknowledgement of Receipt to the Bank. By signing the Acknowledgement of
Receipt or using the DEBIT MASTERCARD®, the Cardmember confirms
his/her agreement to accept, adopt and be bound by this Agreement. Such
signature and/or the use of the DEBIT MASTERCARD® shall constitute
binding and conclusive evidence of the agreement of the Cardmember to be
bound by this Agreement.
3.2 In the event the Cardmember does not wish to be bound by this Agreement,
the Cardmember shall immediately return the DEBIT MASTERCARD® to the
Bank cut in halves.
3.3 The DEBIT MASTERCARD® shall at all times remain the property of the Bank
and shall be surrendered to the Bank immediately upon request;
4. DEBIT MASTERCARD® SERVICES
4.1 During its validity and subject to the Terms and Conditions of use set out
herein or as may be amended, modified and varied by the Bank from time to
time at its absolute discretion, the DEBIT MASTERCARD® entitles the
Cardmember to DEBIT MASTERCARD® services with the Bank.
4.2 The DEBIT MASTERCARD® services made available by the Bank from time
to time at its absolute discretion includes but is not limited to the following:
4.2.1 Purchase of goods and/or services from any Authorised Merchant;
4.2.2 any ATM transaction effected through any of the Cardmember’s other
accounts with the Bank and/or;
4.2.3 any other DEBIT MASTERCARD® services subject to pre-arrangement and
agreement with the Bank, if applicable.
5. MANNER OF USE
5.1 The Cardmember shall keep and use the DEBIT MASTERCARD®
himself/herself and shall not transfer, pledge or otherwise use it as security for
any credit transaction.
5.2 In consideration of the Cardmember observing and complying with the terms of
this Agreement, the Bank shall purchase from the Authorised Merchant through
any member institution of MasterCard® International, all Sales Drafts, Receipts
and Cash Withdrawal Drafts incurred by the Cardmember and debit the
Cardmember’s Hybrid Account accordingly.
5.3 The Cardmember hereby authorises the Bank to charge his/her Hybrid Account
with payments to Authorised Merchant(s) evidenced by Sales Drafts or any
other instruction which has been signed or authorized by the Cardmember, if
the Bank is of the view, upon satisfactory documentary evidence, that the
omission is due to an oversight on the part of the Cardmember and/or the

Authorised Merchant or Authorised Cash Outlet or if the Authorised Merchant
has undercharged the Cardmember.
5.4 The Cardmember shall comply with all requirements, directions, instructions
and guidelines in connection with the use of the DEBIT MASTERCARD®
issued by the Bank from time to time in respect of all DEBIT MASTERCARD®
services rendered to the Cardmember.
6. CONFIDENTIALITY OF PIN
6.1 The Cardmember hereby authorises the Bank to deliver his/her PIN to him/her
at the Cardmember’s own risk by whatever means the Bank deems fit and the
Cardmember agrees to save the Bank harmless from all claims and liabilities,
loss or damage incurred or suffered in the event the PIN shall fail to reach the
Cardmember by reason that the document containing the PIN is intercepted or
retained by any other person or lost in transit.
6.2 The Cardmember understands and agrees that his/her PIN is strictly
confidential and hereby undertakes not to disclose or expose or compromise or
in any way cause or allow his/her PIN to be disclosed or exposed or
compromised to any person under any circumstances or by any means
whether voluntarily or otherwise. The Cardmember understands and agrees
that failure to comply with this requirement may expose the Cardmember to the
consequences of theft and/or unauthorised use of the DEBIT MASTERCARD®,
in which event the Cardmember shall be liable for all transactions made and
charges incurred under the DEBIT MASTERCARD®, whether or not such
transaction or charge is within his/her knowledge or authority.
6.3 If the PIN should be disclosed or exposed or compromised for any reason
whatsoever or if the Cardmember should forget his/her PIN, the Cardmember
hereby undertakes to immediately notify the Bank orally and in writing and
return the DEBIT MASTERCARD®, cut in halves, to the Bank.
6.4 Upon the Cardmember returning the DEBIT MASTERCARD® for cancellation
as described in Clause 6.3 or following the loss or theft of the DEBIT
MASTERCARD®, the Bank may, at its sole and absolute discretion issue a
replacement DEBIT MASTERCARD® to the Cardmember. Any replacement
DEBIT MASTERCARD® will be subject to a replacement DEBIT
MASTERCARD® fee pursuant to Clause 9 of this Agreement.
7. DEBIT MASTERCARD® ACCOUNT
7.1 The Bank shall render to the Cardmember a monthly Statement of Account
(for active accounts only) showing the amount of his/her purchases of goods
and/or services, cash withdrawals, fees and charges incurred by the
Cardmember.

7.2 The records and entries in the Hybrid Account with the Bank as appearing on
the monthly Statement of Account shall be deemed to be correct and binding
on the Cardmember (and in the case of a joint Hybrid Account, all
accountholders) unless written notice to the contrary shall have been given to
the Bank within fourteen (14) days from the Statement Date as stated in the
monthly Statement of Account.
7.3 For any error in relation to transactions effected through the use of the DEBIT
MASTERCARD®, the Cardmember shall notify the Bank of any error and/or
possible unauthorized transaction within sixty (60) days from the Statement
Date, subject always that in the case of request for chargeback of transactions
to the Authorised Merchant, such requests should be made in accordance with
the manner set out in Clause 7.11 of this Agreement.
7.4 In the absence of notification from the Cardmember in the manner set out in
Clauses 7.2 or 7.3 above, the Statement of Account shall be deemed
conclusive evidence of the Cardmember’s confirmation and acceptance of the
transactions therein. The Cardmember shall further be deemed to have waived
any rights to raise any objection against the Bank in respect of the Hybrid
Account.
7.5 Upon receipt of such notice duly given by the Cardmember within the
stipulated time as described in Clause 7.2, the Bank may, if it is satisfied,
make the necessary adjustment and rectification to the Hybrid Account.
7.6 If the Cardholder’s Account is overdrawn, the Cardmember shall, on demand
by the Bank, make good the amount overdrawn plus any interest thereon which
shall be calculated based on the Bank’s prevailing interest rate.
7.7 The Bank will not affect any payment order or instruction unless there is
sufficient balance in the Hybrid Account on the payment order or instruction
date and shall not be liable for any loss or damage. The Hybrid Account
balance shall exclude uncleared cheque(s) or remittances not received. All
payment order or instruction will be void if the Hybrid Account is closed or the
payment order or instruction is cancelled on or before payment date.
7.8 The Cardmember must notify the Bank of any changes in his/her personal
particulars, including but not limited to, NRIC number, name and address that
may occur from time to time and to hold the Bank harmless from any claims,
losses, damages, costs and expenses arising from any rejection of his/her
application for any public issue of Securities by the relevant issuing house
and/or the Bank caused by multiple application, suspected multiple application,
inaccurate and/or incomplete details which are beyond the control of the Bank.
7.9 All inter-country Retail Transactions and transactions via ATMs shall be subject
to the laws existing in the country where the aforementioned Transaction
originates. For all such aforementioned Transactions, the exchange rate, where
applicable, shall be the prevailing spot exchange rates on the date of
transaction.
7.10 Retail Transactions via the MEPS Network shall be deemed to be cash
withdrawal transactions and the Cardmember hereby authorises the Bank to

debit his/her Hybrid Account for the total amount of the bills incurred by the use
of the DEBIT MASTERCARD®.
7.11 The Cardmember shall notify the Bank in advance of his/her intentions to use
the DEBIT MASTERCARD® for the overseas transactions by either contacting
the Bank or by activating it through the Bank’s ATM or any other means
deemed acceptable by the Bank in the future.
7.12 The Bank shall be entitled to treat the Bank’s record of any transaction effected
by the use of the DEBIT MASTERCARD® including transactions at specific
Point of Sale Terminals and/or though such other modes that may be
introduced/implemented from time to time, as evidence of transaction properly
effected by the Cardmember to be debited to the Hybrid Account.
7.13 In some circumstances, card scheme rules allow the Cardmember to charge a
Debit MasterCard® transaction back to the Authorised Merchant with whom the
transaction was made (if the chargeback right is available) subject to the
complaint or dispute having been made to the Bank by the Cardmember in
writing within twenty (20) days from the posting date of such transaction in the
Cardmember’s Hybrid Account and the Cardmember has provided the
necessary information requested by the Bank to support the chargeback within
the requested timeframe.
8. TRANSACTION LIMIT AND WITHDRAWAL LIMIT
8.1 The Bank shall at its sole discretion specify the Cardmember’s Transaction
Limit and Withdrawal Limit with the Bank from time to time for the purpose of
this Agreement.
8.2 The Cardmember shall not use the DEBIT MASTERCARD® for withdrawal of
cash, payment for Retail Transactions or fund transfer unless there are
sufficient funds in the Hybrid Account.
8.3 Subject to Clause 8.2 above, the DEBIT MASTERCARD® daily accumulated
transaction limit for Retail Transactions and cash withdrawals are defaulted to
RM1,000.00 respectively at the point of the Cardmember’s application for the
DEBIT MASTERCARD®. The daily accumulated transaction limit for Retail
Transactions and cash withdrawal limit may be changed by the Cardmember at
any time thereafter at the Bank’s ATM or through any other means as
determined by the Bank from time to time. However, such limits selected by the
Cardmember shall be subject to the Cardmember’s Transaction Limit and
Withdrawal Limit, as determined by the Bank.
.
8.4 The Cardmember hereby agrees that without prejudice to the Bank’s right at
any time, the Bank is entitled, at its absolute discretion and with giving prior
notice to the Cardmember, to restrict, limit, or otherwise terminate the use of
the DEBIT MASTERCARD® notwithstanding the Hybrid Account may be
without default in any due payments.

9. FEES
9.1 The Bank reserves the right to levy a fee of RM12.00 or such other amount as
may be determined by the Bank from time to time, for the issuance of a new or
replacement DEBIT MASTERCARD® (where the DEBIT MASTERCARD® had
expired, had been lost, stolen, damaged or PIN-compromised).
9.2 The Bank shall levy a service charge of RM1.00 for transactions effected
through the use of the MEPS Network and RM8.00 for transactions effected
through the use of the Cirrus Network. The charges may be varied from time to
time at the absolute discretion of the Bank.
9.3 Should there be any changes in the fees and charges, the Bank shall give 21
days notice.
10. POSSESSION OF THE DEBIT MASTERCARD®
10.1 The Cardmember must notify the Bank of any changes in his/her personal
particulars, including but not limited to, NRIC number, name, contact number,
and address that may occur from time to time and to hold the Bank harmless
from any claims, losses, damages, costs and expenses arising from any
rejection of his/her application for any public issue of Securities by the relevant
issuing house and/or the Bank caused by multiple application, suspected
multiple application, inaccurate and/or incomplete details which are beyond the
control of the Bank.
10.2 The DEBIT MASTERCARD® shall remain the property of the Bank at all times
and the Cardmember shall not transfer or otherwise part with the control or
possession of the DEBIT MASTERCARD® for any use or purpose
unauthorised by the Bank under this Agreement.
10.3 The Cardmember shall not use the DEBIT MASTERCARD® but shall
immediately return the same cut in halves to the Bank in the event of any one
of the following:
10.3.1 upon expiry of the Validity Period of the DEBIT MASTERCARD®;
10.3.2 upon cancellation, termination, replacement and surrender of the DEBIT
MASTERCARD® by the Cardmember;
10.3.3 upon request made by the Bank for the return of the DEBIT MASTERCARD®;
10.3.4 upon cancellation, revocation and suspension of the DEBIT MASTERCARD®
by the Bank;
10.3.5 upon discovery of the DEBIT MASTERCARD® after notification of its loss or
theft;
10.3.6 the PIN is disclosed or exposed or compromised, voluntarily or otherwise, to
any person; or
10.3.7 failure on the part of the Cardmember to remember his/her PIN.

10.4 Where the Cardmember is required under the provisions herein to return the
DEBIT MASTERCARD® cut in halves to the Bank and the Cardmember fails to
do as required, the Cardmember shall continue to be liable for all charges and
transactions incurred on the DEBIT MASTERCARD®, if any, irrespective of
whether the charges were incurred by the Cardmember or otherwise.
10.5 The Bank is under no obligation to issue a replacement DEBIT MASTER-
CARD® to the Cardmember in the event of loss, theft or mutilation of the same.
Any replacement DEBIT MASTERCARD® will be subject to a replacement fee
pursuant to Clause 9 above.
10.6 The use of the DEBIT MASTERCARD® by the Cardmember shall be governed
by the terms and conditions herein, including all requirement, directives,
regulations and guidelines in relation thereto issued by the Bank and
MasterCard® International and any authority having jurisdiction over the Bank,
at any time and from time to time.
11. SELF-SERVICE TERMINAL (SST) TRANSACTIONS
11.1 The Cardmember who deposits cash at the CDM shall accept the deposit
amount as printed onto the receipt generated by the CDM and the entry
thereof in records of the Bank as correct. In the event of cash being jammed in
the CDM or a receipt being unable to be generated by the CDM for any reason
whatsoever, the deposit amount shall be deemed to have been received by
the Bank upon verification by two officers of the Bank and the amount so
verified shall be deemed to be the deposited amount.
11.2 Cheques and other negotiable instruments deposited at the Bank’s ATM or
CDM or any other Self-Service Terminal for the said purpose, shall be deemed
to have been accepted for collection only upon verification by two officers of
the Bank of such deposit and of the title of the Cardmember to such cheques
and negotiable instruments.
11.3 All Transactions arising from the use of the DEBIT MASTERCARD® that is
designated for joint Hybrid Accounts shall be binding on all accountholders of
the Hybrid Account, who are liable or responsible for the Transactions. In the
event the mandate for a joint Hybrid Account is revoked, the DEBIT
MASTERCARD® must be surrendered to the Bank.
11.4 The balance in the Cardmember’s Account which is reported by the SSTs,
POS Terminals, Phone Banking, AllianceOnline or any other means shall not
include any deposit into the Hybrid Account which has/have not been verified
by the Bank. The unverified deposit shall not be taken into account for
cheque(s) issued by the Cardmember (or in the case of a joint Hybrid Account,
the accountholders of the Hybrid Account and payment or fund transfers
services offered by the Bank.
11.5 The balance in the Hybrid Account reported by the SSTs, POS Terminals,
AllianceOnline and Phone Banking shall not for any purpose whatsoever be
taken as conclusive statement of the Hybrid Account with the Bank.
11.6 The Bank shall not be held liable in the absence of willful misconduct or gross
negligence on the part of the Bank, its services or agents, for any loss or

damage suffered by the Cardmember arising out of the Services offered at the
SSTs and POS Terminals being unavailable, damaged or destroyed.
11.7 The Bank shall not be held liable for any loss or damage if a wrong account
number is keyed in by the Cardmember in the course of utilising the Services
offered at the SSTs.
12. OVERSEAS TRANSACTIONS
12.1 The Cardmember may use the DEBIT MASTERCARD® outside Malaysia at
Authorised Merchants and/or Authorised Cash Outlets.
12.2 The Cardmember may use the DEBIT MASTERCARD® for Cash Withdrawal
under the Hybrid Account through designated ATMs or at Authorised Cash
Outlets installed in such countries as approved by the Bank and/or member
institution of MasterCard International from time to time.
12.3 Foreign currency transactions are first converted to US Dollars through
MasterCard® International. The US Dollars are subsequently converted to
Ringgit Malaysia on the date the transaction is posted into the Cardmember’s
Hybrid Account. The rate of exchange on the date of such posting may
therefore differ from the rate of exchange on the date of the transaction. The
Bank will also impose a fee of 1% being administration charges for such
transaction or such other rate as the Bank may inform the Cardmember from
time to time.[ The Bank reserves the right to vary these charges from time to
time as deemed necessary.]
12.4 All inter-country transactions by the Cardmember shall not violate the laws
existing in the country where transaction is affected. Where applicable, the
Cardmember shall comply with the Exchange Control Regulation issued by
Bank Negara Malaysia and shall be liable for any infringement of such
regulation, including any amendment thereto.
12.5 The Bank may at any time with notice, suspend or terminate the
Cardmember’s ability to use the card at any ATMs or authorised merchants
outside Malaysia and the Bank shall not be liable to the Cardmember for any
loss or damage suffered by the Cardmember resulting in any way from such
suspension or termination.
13. LIABILITY OF CARDMEMBER
13.1 The Cardmember agrees and undertakes to take all reasonable care and
precaution to prevent loss or theft of the DEBIT MASTERCARD® and shall
immediately notify the Card and Payment Services (in the event of loss or theft
in Malaysia) or any member institution of MasterCard® International (in the
event of loss or theft outside of Malaysia) of the loss or theft of the DEBIT
MASTERCARD®. The Cardmember fully understands that failure to take
reasonable care and precaution of his DEBIT MASTERCARD® may expose
him to the consequences of theft and/or unauthorised use of the DEBIT
MASTERCARD®.

13.2 The notification in Clause 13.1 shall be made by telephone, telegram, telex or
facsimile transmission followed by a written confirmation and a police report.
13.3 Until and unless such written confirmation and police report referred to in
Clause 13.2 are received by the Card and Payment Services, the
Cardmember shall remain liable for all charges and transactions incurred on
the DEBIT MASTERCARD®, whether such charge or transaction is within his
knowledge or authority.
13.4 Where investigation discloses that the Cardmember is involved or has
contributed to the losses resulting from any unauthorised transaction, the
Cardmember shall be liable for all charges and transactions incurred, whether
before or after the receipt by the Bank of the written confirmation and police
report referred to in Clause 13.2.
14. EXCLUSION OF LIABILITY
14.1 The Bank shall not in any circumstances be held liable for damage suffered or
loss incurred by the Cardmember including but not limited to loss of reputation
or embarrassment:
14.1.1 in respect of any representation or implication that may arise as a result of:
(a) any cancellation or refusal on the part of the Bank to renew the DEBIT
MASTERCARD®; and/or
(b) any suspension or restriction imposed by the Bank on the use of the DEBIT
MASTERCARD® by the Cardmember; and/or
(c) withdrawal of any benefits or privileges conferred on the Cardmember
under the DEBIT MASTERCARD®.
14.1.2 arising from any act or omission of any Authorised Merchant or Authorised
Cash Outlets, howsoever caused;
14.1.3 due to any retention of the DEBIT MASTERCARD® and/or refusal by any
Authorised Merchant or Authorised Cash Outlets to honour the DEBIT
MASTERCARD®;
14.1.4 in respect of any statement, representation or communication made by any
Authorised Merchant or Authorised Cash Outlets;
14.1.5 as a result of detect or deficiency in goods purchased or services rendered by
any Authorised Merchant or Authorised Cash Outlets.
14.2 The Bank shall not be liable for any loss, injury or damage suffered including
consequential and economic loss, howsoever caused and/or arising by or from
mechanical defect or malfunction of the ATMs, CDMs or any other Self-
Service Terminals whether owned by the Bank or otherwise [by any other]
party or by any circumstances beyond the Bank’s control, [act of God], or by
strikes and or other labour disputes.

15. PRIVILEGES AND BENEFITS GENERALLY
Cashback Programme
15.1 The Bank may from time to time credit the Hybrid Account with Cashback. The
Cashback shall be subject to such terms and conditions as the Bank may
prescribe and the amount of the Cashback shall be calculated at such rate and
by reference to such parameters as the Bank may at its sole discretion
determine from time to time. Without prejudice to the generality of the
foregoing, Cashback shall only accrue and be credited only for so long as the
Hybrid Account remains in good standing. No Cashback shall be granted in
the event that the Hybrid Account is suspended or closed or this Agreement is
terminated (notwithstanding that such Cashback may relate to the period
preceding the suspension or closure of the Hybrid Account or the termination
of this Agreement).
15.2 Cashback Rebate Rate
Card Type
Cash Back
Rebate Rate
Cash Back Rebate Paid for
Spending up to (monthly)
(RM)
Max. Possible Rebate Amount
earned (per annum) (RM)
Standard 1.00% 3,000.00 360.00
Platinum 1.50% 6,000.00 1,080.00
Premium 2.00% 9,000.00 2,160.00
16. RIGHT TO APPLY PAYMENT
16.1 Deposits received from the Cardmember in respect of the Hybrid Account will
be applied in or towards payment for any overdrawn transactions on the
account, charges, fees and legal costs and thereafter against transactions
effected using DEBIT MASTERCARD®.
16.2 Notwithstanding the provisions of Clause 16.1, any deposit received towards
the Hybrid Account may be applied in the manner as the Bank may at its
absolute discretion deem fit. Any payment received hereunder may be placed
and kept to the credit of a suspense account for so long as the Bank thinks fit
without any obligation in the meantime to apply the same or any part thereof in
or towards discharge of any money or liabilities due or incurred by the
Cardmember.
16.3 Notwithstanding any such payment described in Clause 16.2, in the event of
any proceedings in or analogous to bankruptcy or insolvency of the
Cardmember, the Bank may prove for and agree to accept any dividend or
composition in respect of the whole or any part of such money and liabilities
against the Cardmember.

17. LAW
17.1 This Agreement between the Bank and the Cardmember shall be governed by
and interpreted in accordance with the laws of Malaysia. The Cardmember
hereby agrees to:
17.1.1 irrevocably submit to the non-exclusive jurisdiction of the Malaysian Courts;
17.1.2 waive any objection on the ground of venue or forums non conveniens or any
similar grounds to settle any claim or dispute which may arise between the
parties hereto in respect of the construction validity or performance of this
Agreement or as to the rights and liabilities of the Cardmember hereunder; and
17.1.3 consent to service of any legal process by registered mail or in any other
manner determined by the Bank at its sole discretion and permitted by the
relevant laws.
18. WAIVER
Time shall be the essence of this Agreement but no failure to exercise and no delay on
the part of the Bank in exercising any of its rights, power, privilege or remedy shall
operate as a waiver thereof, nor shall any single or partial exercise of any right, power,
privilege or remedy preclude any other or further exercise thereof or the exercise of any
other right, power, privilege or remedy. The rights and remedies herein provided are
cumulative and not exclusive of any rights or remedy provided by law.
19. PRESERVATION OF RIGHTS AND ENTITLEMENT
Notwithstanding anything in this Agreement, the Bank’s rights and entitlement under this
Agreement shall continue to remain in full force and effect and shall survive any
cancellation, revocation or suspension of the DEBIT MASTERCARD® by the Bank or
the termination of Banker and Customer relationship between the Bank and the
Cardmember.
20. VARIATION
20.1 The Cardmember agrees that the Bank shall have the right to, from time to
time, vary, add to, delete or amend the rates, fees, charges as well as any
Terms and Conditions herein by notifying the Cardmember of such alteration.
20.2 The notification in Clause 20.1 may be made by the Bank in the Statement of
Account and/or in any other manner as the Bank shall in its absolute discretion
consider appropriate.
20.3 Any alteration referred to Clause 20.1 shall take effect on the date specified by
the Bank.
20.4 In the event the Cardmember shall not be agreeable to such alteration, the
Cardmember shall immediately surrender the DEBIT MASTERCARD® and

eturn the same to the Bank cut in halves, failing which the Cardmember shall
be deemed to have accepted such alteration. Upon the surrender and return of
the DEBIT MASTERCARD® by the Cardmember, all monies owing to the
Bank by the Cardmember under the Hybrid Account shall remain due and
payable and in any event the Cardmember shall immediately upon demand by
the Bank (the exercise of the Bank’s right of demand shall be at the Bank’s
sole and absolute discretion) settle all amounts outstanding under the Hybrid
Account.
21. NOTICE
21.1 Any Statement of Account, correspondence or notice to the Cardmember may
be delivered by hand or sent by facsimile or post (registered, AR-registered,
ordinary or otherwise) to the Cardmember’s address last known to the Bank
and such service shall be deemed effective at the time of dispatch or
transmission by facsimile or three (3) Business Days after the date of posting
notwithstanding that it be undelivered or returned undelivered, as the case
may be.
21.2 Any failure on the part of the Cardmember to notify the Bank of any change of
address resulting in delay or the return of any Statement of Account,
correspondence and/or notice shall not prejudice the Bank’s right or
entitlement under this Agreement.
21.3 Notwithstanding any provision herein, the Bank shall have the absolute
discretion to serve any notice whatsoever on the Cardmember by any other
means, including but not limited to:
21.3.1 advertisement in one daily newspaper;
21.3.2 via electronic means including but not limited to email and/or publication
on a website;
21.3.3 displaying the said notice, where appropriate, in the Bank’s premises in
which event such notice shall be deemed to have been served on the
Cardmember on the date the advertisement appears in the newspaper
or the date the said notice was first displayed in the Bank’s premises as
the case may be.
22. SERVICE OF LEGAL PROCESS
The Cardmember hereby agrees that the service of any writ of summons or any legal
process in respect of any claim arising from or connected with this Agreement may be
effected by forwarding a copy of the same to the Cardmember by way of prepaid
registered post sent to the Cardmember’s address as stated in the Bank’s Account
Opening Application Form or such other address notified by the Cardmember and
received by the Bank from time to time and such service shall be deemed good and
sufficient service thereof on the Cardmember after the expiration of seven (7) days from
the date of posting thereof notwithstanding that the same may be returned undelivered.
23. CERTIFICATE OF INDEBTEDNESS

A certificate signed by the officer of the Bank as to the monies for the time being due and
owing to the Bank from or by the Cardmember shall be conclusive evidence or proof
against the Cardmember for all purposes whatsoever including for purposes of any legal
proceedings.
24. SEVERABILITY
The invalidity or unenforceability of any of the provisions herein shall not substantially
nullify the underlying intent of this Agreement and the invalid or unenforceable provision
shall be severable and the invalidity or unenforceability of any term or provision in this
Agreement shall not affect the validity or enforceability of the other terms or provisions
herein contained which shall remain in full force and effect.
25. IMPLIED TERMS
Without prejudice to any clause as contained herein, this Agreement embodies the entire
understanding of the parties and there are no provisions, terms, conditions or
obligations, oral and written, expressed or implied, other than those contained herein.
.
26. SUPERSEDING AGREEMENT
Save and except for the Rules and Regulations governing the Hybrid Account which
shall remain valid and binding, all other previous agreements and arrangements, if any,
made between the Bank and the Cardmember, written or verbal, are hereby cancelled
and superseded by this Agreement.
27. DISCLOSURE
27.1 The Cardmember hereby authorises the Bank and/or its officers to make use
of, disclose, divulge or reveal at any time and without notice or liability, any
information relating to the Cardmember and/or the Hybrid Account and/or the
conduct thereof, the Cardmember’s particulars and affairs (financial or
otherwise) in such manner and to such extent as the Bank may consider
necessary or appropriate to any party including but not limited to:
27.1.1 any Authorised Merchant, any other bank or financial institution, MasterCard®
International or its successors, any member institution of MasterCard®
International and/or any interested party to facilitate the use of the DEBIT
MASTERCARD® or the processing of any transaction effected or investigation
of whatsoever nature to be made;
27.1.2 to any person for or in connection with any action or proceeding taken to
recover monies due and payable by the Cardmember to the Bank under this
Agreement;
27.1.3 to licensed credit reference agencies; and/or
27.1.4 the Central Credit Unit or any other central credit bureau established by Bank
Negara Malaysia, any other relevant authority as may be authorised by law to
obtain such information or any authority or body established by Bank Negara
Malaysia or any other authority having jurisdiction over the Bank.
27.2 Clause 27.1 shall survive the termination of this Agreement.

28. DISPUTES
28.1 The Cardmember shall resolve all complaints, claims and disputes against the
Authorised Merchant or Authorised Cash Outlets directly and not through the
Bank. The Cardmember hereby undertakes not to enjoin the Bank in any such
claims and/or disputes or legal proceedings.
28.2 Any claims and/or disputes, which the Cardmember may have against the
Authorised Merchant or Authorised Cash Outlets shall not relieve the
Cardmember of the obligation to pay the amounts incurred under this
Agreement to the Bank.
28.3 If there are any service related queries or complaints, the Cardmember may
write to info@alliancefg.com.
29. TELECOMMUNICATION INSTRUCTION
29.1 The Cardmember hereby agrees that the Bank is authorised to act on
instruction of the Cardmember given by the Cardmember by telephone,
facsimile transmission, or other means of telecommunication which the Bank
in good faith believes emanates from the Cardmember only in relation to the
use of the DEBIT MASTERCARD® for cash withdrawals and/or Retail
Transactions as allowed or contemplated hereunder. For all other transactions
in relation to the Hybrid Account, the Cardmember shall abide by the Rules
and Regulations of the Bank governing the Hybrid Account.
29.2 The Bank shall take all reasonable steps to verify the identity of the person or
persons giving the telecommunication instructions referred to in Clause 29.1
purportedly in the name of the Cardmember and the Cardmember hereby
agrees that the Bank shall not be liable to the Cardmember for any loss or
damage that may be suffered by the Cardmember in the event that the
aforesaid telecommunication instructions emanate from an individual other
than the Cardmember. The Cardmember undertakes to fully indemnify the
Bank and keep the Bank fully indemnified against all actions, claims,
demands, liabilities, losses, damage, costs and expenses of whatever nature
which the Bank may sustain, suffer or incur as a result of the Bank agreeing to
act on such telecommunication instruction referred to herein.
29.3 The Cardmember undertakes to fully indemnify the Bank and keep the Bank
fully indemnified against all actions, claims, demands, liabilities, losses,
damage, costs and expenses of whatever nature which the Bank may sustain,
suffer or incur as a result of the Bank agreeing to act on such
telecommunication instruction referred to herein.
30. INDEMNITY
The Cardmember undertakes to hold the Bank harmless and to indemnify the Bank
against all actions, proceedings, claims, demands, losses, damage, costs and expenses
(including but not limited to legal expenses on a full indemnity basis) which the Bank may

sustain or incur in enforcing its rights under this Agreement and/or in relation to the use
of the DEBIT MASTERCARD® by theCardmember.
31. FORCE MAJEURE
Without prejudice to any provisions of this Agreement, the Cardmember agrees not to
hold the Bank liable in the event that the Bank is unable to perform in whole or in part
any of its obligations under this Agreement, attributable directly or indirectly to the failure
of any mechanical or electronic device, data processing system, transmission line,
electrical failure, industrial dispute, any act beyond the Bank’s control or due to any
factor in a nature of a force majeure.
32. GENERAL DECLARATION
32.1 The Cardmember acknowledges that a copy of the Product Disclosure Sheet
(“PDS”) from the Bank (via the Branch or website at www.alliancebank.com.my)
has been obtained and that the information contained therein has been fully read
and understood including all information related to fees and charges.
32.2 The Cardmember authorises the Bank, from time to time, to access, obtain, verify
and/or use any data or information from any source (including credit reference
agencies, Bank Negara Malaysia (“BNM”), the Credit Bureau and/or the Central
Credit Reference Information System (“CCRIS”) and such relevant authorities for
purpose of evaluation of credit standing, usage of this product and any facility or
service that the Cardmember has or may have (whether or not with the Bank) as
the Bank may at its sole and absolute discretion deems fit.
33. OTHER TERMS AND CONDITIONS
33.1 The terms and conditions in this Agreement shall be in addition to and not in
derogation of the Rules and Regulations of the Bank governing the Hybrid
Account, any specific agreement or arrangement subsisting between the Bank
and the Cardmember or any terms and conditions that may be specified in any
letter of offer and/or in any other written notice given by the Bank to the
Cardmember from time to time.
33.2 In the event of any conflict or discrepancy between the terms and conditions of
any letter of offer or written notice referred to in Clause 21.1 and the provisions
herein, the provisions in the letter of offer or written notice, as the case may
be, shall prevail.
34. SUCCESSORS BOUND
This Agreement shall be binding on the heirs, personal representatives and successorsin-title
of the Bank and the Cardmember respectively.
Card Type Standard Platinum Premium v1.0