visa / mastercard cardmember agreement - United Overseas Bank ...

a) Any withdrawal of excess credit in your Credit Card Accountthrough the use of your Credit Card or by requesting us to issueyou a cheque for such withdrawals;b) All betting transactions, including the purchase of lottery ticketsand chips at gaming casinos, off-track betting, and wagers at racetracks.12.7 Your Statement of Account will show the Cash Advance transaction, feescharged and the interest accruing on the amount withdrawn for the CashAdvance transaction, until the date of full repayment.12.8 You agree to be liable for all Cash Advances performed through theCredit Card regardless of whether such withdrawals are performed withinor outside the assigned Credit Limit.13. OVERSEAS TRANSACTIONS13.1 You can use the Credit Card outside Malaysia at Authorised Merchantsand/or Authorised Cash Outlets, except for offline contactlesstransactions which are for domestic use only.13.2 You can use the Credit Card to withdraw cash under the Credit CardAccount at designated ATMs in countries approved by us, or at anyAuthorised Cash Outlets.13.3 If you use the Credit Card for a transaction in a currency other thanRinggit Malaysia, it will be converted to US Dollars equivalent throughVisa/MasterCard International, and then further converted to RinggitMalaysia equivalent on the date the transaction is posted into the CreditCard Account. The rate of exchange on the date of such posting maydiffer from the rate of exchange in effect on the date of transaction. Anyrate imposed is determined by Visa/MasterCard International and is final