C.

SERVICES

15A. RHB Online Banking

These terms and conditions govern the use of RHB Internet Banking and/or RHB Mobile Banking
Application (thereafter collectively known as “RHB Online Banking”) service provided by us to you,
to enable you to electronically access and use the Services and other banking facilities, made
available to you via the RHB Online Banking.

These terms and conditions are to be read in conjunction with our terms of access and Part B
Specific Terms and Conditions and any instructional material provided by us, as well as any other
terms, conditions and provisions which we may prescribe from time to time. If there is any conflict
between these terms and conditions and any other agreement which you may have with such
entities in RHB Banking Group and/or business partners, these terms and conditions shall prevail
to the extent that it relates to the use of RHB Online Banking.

We may revise these terms and conditions from time to time, in the manner prescribed in Clause
22 and 31 of the full set of T&C. If you choose to continue using RHB Online Banking services after
any revision to these terms and conditions, you shall be deemed to have accepted the revised
terms and conditions accordingly.

These terms and conditions of RHB Online Banking shall apply to your access via RHB Online
Banking and you agree to be bound by the same.

If you choose not to accept these terms and conditions or any revisions made thereto, please
immediately discontinue your access to RHB Online Banking.

Any and all communications transmitted through RHB Online Banking shall be governed by Clause
22.6 of the full set of T&C. Please click the link for the full set of T&C.

For avoidance of doubt, RHBNow platform is referring to the RHBNow Internet Banking and
RHBNow Mobile Banking.

Application to Access RHB Online Banking by RHB Customer

15A.1 Subject to these terms and conditions, if you have an existing CASA and Debit Card or a Credit
Card with us and the Account is valid, you are entitled to enrol and get access to the RHB Online
Banking by performing a one-time online registration at the RHBNow Website
(https://logon.rhb.com.my/). This will enable you to start using the RHB Online Banking services.

Notwithstanding the above, we may at our discretion refuse registration to any such application
and/or change the eligibility criteria without giving any reason. The Account must continue to be
valid to enable you to continue using the RHB Online Banking service.

15A.2 For online registration via the RHBNow Website and to use the RHB Online Banking service,
the access identification (ID) and any related information such as ATM/Debit Card PIN or Credit
Card PIN will be required. Thereafter, you will create your own Username, Password and Secret
Word to access RHB Online Banking services.

15A.3 Upon successfully registering with Internet Banking(https://logon.rhb.com.my/); you may

use the same Username and Password to access to the new RHB Online Banking after 24 hours of
registration.
15A.4 Upon enrolment and access to RHB Online Banking, you shall be deemed to have read,
understood and agreed to be bound by these terms and conditions and further acknowledge and
accept all inherent risks associated in conducting any transactions over the Internet/GPRS/3G or
such other electronic medium approved by us. You also agree and authorise us to track and save
your behaviour on the RHB Online Banking. All interaction/clicks in the app will be captured and
this data will later be used for analytics purpose to enhance customer experience.

15A.5 All the Accounts (including joint accounts) that are linked to an Access ID will be
automatically linked and accessible under the RHB Online Banking service via your Username,
subject to a maximum number of Accounts as may be prescribed by us from time to time. You
understand and acknowledge and therefore you will strictly observe your obligations under Clauses
15A and 17 in the full set of T&C, and that we shall not be responsible for any loss or damages
suffered by you howsoever arising from the non-observance of such obligations. Further,
notwithstanding anything herein to the contrary, and notwithstanding your personal compliance
with the subscription procedures of the RHB Online Banking service we are entitled (but is not
obligated) to restrict the access to the Services until we have received the written consent of your
joint accountholder (if applicable) for the access to and use of the RHB Online Banking service.

15A.6 You are required to provide, true, accurate current and complete information about yourself
and the Accounts maintained and you agree to not misrepresent the identity or the account
information of yourself. You also agree to keep the information of the account up to date and
accurate, and to notify us if you have changed any of your information, and that we shall not be
responsible for any loss or damages suffered by you arising from the non-observance thereof.
Notwithstanding anything herein to the contrary, and notwithstanding your personal compliance
with the subscription procedures of the RHB Online Banking service, we are entitled (but is not
obligated) to restrict the access to the RHB Online Banking service until we have received the
written consent of your joint accountholder (if applicable) for the access to and use of the RHB
Online Banking service.

List of Electronic Services (includes all Fund Transfer services, Bill Payments, Prepaid Reloads,
Viewing of Accounts, Viewing of Statement, Share Receipt, etc)

15A.7 You must maintain sufficient funds in the Account to enable us to complete any instructions
to debit the Account and effect the transfer of funds.

15A.8 We will not be liable for any delayed or failed funds transfer. It is recommended that you
allow a reasonable period of time for us to effect your bill payments / funds transfers / remittances
and / or notify you of any problem or restriction in effecting the same. We will only be liable for
funds transfers that have been confirmed in writing to you to have been affected.

15A.9 We shall be at liberty on your behalf to use any independent third parties in effecting any
other type of remittance (such as IBG or an IBFT/Instant Transfer services) and shall not assume
any liability for any delay, non-remittance or non-receipt of such proceeds arising on the part of
such independent third parties.

15A.10 We shall, at our discretion, determine the order, priority or the independent third parties
(such as IBG or an IBFT/Instant Fund Transfer services) of fund transfers instructed by you, and may
at our discretion use your overdraft facility (if applicable) to effect such funds transfers instead of
another Account (if unspecified by you), and may subsequent transfer funds from any of the
Accounts to cover any overdrawn amount in your current account. In addition, we shall be at liberty
to affect a transfer for full settlement of all outstanding credit card payments in the event your
credit card is cancelled.

15A.11 Any instructions for funds transfers is subject to any arrangement now subsisting or which
may hereafter subsist between you and us in relation to the Account or any banking
accommodation accorded to you. In particular, we hereby reserve the right to:-

i. refuse at any time to carry out any one or more of the funds transfer instructions
(whether in relation to one-off fund transfers or standing instructions/recurring bill
payments) without assigning any reason; and/or
ii. impose limits, restrictions or conditions on the fund transfer (whether in relation to
type, currency, purpose, number, or any other aspect thereof) as may be required
by us or any relevant authority(ies) or payment service providers.

PIN and Other Security Features

15A.12 To access and use the RHB Online Banking service, you must key in the ATM Card/Debit
Card number with ATM/Debit Card PIN, or Credit Card number with Card PIN when registering for
the first time at the RHBNow Website.

i. ATM card / Debit card user

a. For you to access and use the RHB Online Banking to view CASA balance and
perform financial transactions, you must first register the ATM Card / Debit Card
at RHBNow Internet Banking.
b. Upon acceptance of the ATM Card / Debit Card registration, you will be required
to key in your Username and Password. Upon acceptance of the aforementioned
and the acceptance of these terms and conditions, the access to the RHBNow
Internet Banking will be activated immediately. You will be able to access RHB
Online Banking after 24 hours of registration.

ii. Credit card user

a. For you to access and use RHB Online Banking to view the Credit Card account
balance and transaction summary, you must register the Credit Card number at
the RHBNow Internet Banking.
c. Upon acceptance of the Credit Card registration, you will be required to key in your
Username and Password. Upon acceptance of the aforementioned and the
acceptance of these terms and conditions, the access to the RHBNow Internet
Banking will be activated immediately. You will be able to access RHB Online
Banking after 24 hours of registration.

15A.13 Thereafter, you are required to key in Username and Password only for subsequent access
to the RHB Online Banking. Secret Word verification is applicable for access to the RHB Online
Banking service.
15A.14 The services in this section is only applicable to the RHB Mobile Banking Application. For
you to access and use the Quick View and Quick Payment in RHB Mobile Banking Application, you
must register your own biometric (read: fingerprint/Face ID (iOS only)) or PIN number during the
first time login to RHB Mobile Banking Application or at any time after successfully registered at
the RHBNow Website.

i. You are responsible to ensure the biometric or PIN number set up for Quick View
and Quick Payment is genuinely set up by yourself using your own device.
ii. By registering for the biometric service, you authorised RHB Mobile Banking
Application to use biometric authentication for accessing services such as but not
limited to quick login, account inquiry and quick pay.
iii. Once you successfully register biometric on your mobile device, the RHB Mobile
Banking Application can be accessed with any fingerprint or face registered with
your device.
iv. We recommend not to register any third party fingerprint or face in your mobile
device as by doing so the third party will be to access your RHB Mobile Banking
Application.
v. For identical twins, we advise you to use PIN as a quick login method as there are
chances of a successful match with the twin.
vi. Quick Payment on RHB Mobile Banking Application allows you make payment to
selected individuals, billers and prepaid top up (“Recipients”) with only own
biometric or PIN number registered up to a limit determined by the Bank. No full
login with password is required to payment Quick Payment unless no biometric or
PIN number is registered on the device.
vii. These Recipients are specifically enabled by you. You are fully responsible for all
transactions originated from your device. We will not be held liable for any
payments to these Recipients originated from any of your authorized devices.

15A.15 This section is only applicable to the RHB Mobile Banking Application. On completion of the
prescribed registration and activation procedures via RHBNow Internet Banking, you will be able
to download the application for installation into your Mobile Phone and be granted the non-
exclusive, non-transferable right to use the application, but based upon and subject always to your
agreement to the following conditions:

i. You will not use the application for any purpose other than to access your own
Account(s) via the RHB Mobile Banking Application on the mobile device;
ii. You will not download or install the application into a mobile device which you do
not own or have exclusive control and you will not permit or enable any person to
access the application, or leave the mobile device unattended in such a manner as
to enable a person to access the application.

15A.16 To perform a financial transaction or change personal profiles:

i. You are required to register your mobile number by calling up the Customer Care
Center or via ATM which is a one-time process. However, you may register/change
the mobile number via the RHB Online Banking.
ii. You are required to verify the Security Code and key in the OTP that are
automatically sent to the registered mobile number and successfully complete the
transaction. You should not share your OTP with any third party. If you have
 onboarded on RHB Mobile Banking Application, you can successfully authorise
transaction via the Approve/Reject notification sent to your mobile device.
iii. You are provided with two separate financial transaction limits for the RHB Online
Banking and the RHBNow platform. A default limit will be pre-set for all types of
transactions and you have the option to revise the limits of each transaction.
iv. Upon first time login to the RHB Online Banking, we will do a one-time sync of your
key biller favourites, all your other favourites (individuals/prepaid top
up/DuitNow/ASNB etc…), transaction limits and account preferences from the
RHBNow Internet platform. Transaction limits above MYR 10,000 that has been set
up in RHBNow Internet platform would be rounded down to the nearest multiple of
5,000 in the new RHB Online Banking.
v. Subsequent to that, you will maintain a separate profile from the new RHB Online
Banking and the existing RHBNow platform.

15A.17 We are entitled at any time, to invalidate or cancel any or all of your Identifiers with prior
notice as prescribes in Clause 23 below and you will be informed as soon as practicable thereafter.
Such invalidation or cancellation will normally be effected if the integrity or security of the
Identifiers are compromised or are suspected to have been compromised, or if the security and
integrity of any part of the RHB Online Banking services are threatened in any way whatsoever.
However, we are not obligated to share our reasons with you, and shall not be held liable or
responsible for any loss or damage that you may suffer as a result of such invalidation or
cancellation.

Responsibilities for Security

15A.18 You must ensure that you are the only person who can access and give instructions using
the RHB Online Banking service. You must keep strictly to the following security procedures:

i. It is your responsibility to ensure the Identifiers stay secret. You must not disclose
any of the Identifiers to anyone - even to your joint account holder, or to our staff
member, or someone on RHB helpdesk. If you find out that any of the Identifiers is
known to someone else, you must change it through the RHBNow Internet Banking
and/or RHB Online Banking services as soon as possible. If this is not possible you
must notify us immediately through e-mailing or call the Customer Care Center. We
maintain strict security standards and procedures to prevent unauthorized access to
information about you. We will never contact you to ask you to validate personal
information such as your user ID, password or account numbers.
ii. You must not let anyone else to operate the RHB Online Banking services for you,
leave the computer terminal or mobile device unattended whilst you are logged on
to the Service, nor save the Identifiers on any prompt in the personal computer or
mobile device (so that the same is automatically entered upon accessing the RHB
Online Banking without requiring you to physically key in the Identifiers). You
acknowledge and agree that we shall not be held accountable or liable for any loss
or damage (including without limitation any loss of funds) incurred or suffered by
you or any other party in the event any or all of the information or funds are
accessed, used or howsoever otherwise dealt with by third parties under the service.
 iii. In addition, you are responsible for own personal computer or mobile device anti-
virus and security measures to prevent unauthorised access to the transactions and
your Accounts via the RHB Online Banking.
iv. You must check the Account balances periodically and/or upon the appropriate
length of time subsequent to any transaction and to inform us if there are any errors.
If you become aware or suspect that there are unauthorised transactions or
unauthorised access to the RHB Online Banking services, you must notify us
immediately through e-mail or call our Customer Care Center.
v. You must ensure the application downloaded for RHB Mobile Banking Application is
genuine.
vi. You are allowed to bind maximum 3 devices per username. It is your responsibility
to ensure you are log in to the RHB Mobile Banking Application using the
authenticated device(s).
vii. Authenticated devices bound to your username will be allowed to perform selected
financial and non-financial transactions.
viii. You shall enable the app level permission for RHB Mobile Banking Application in your
mobile device in order to authorize transactions performed in RHB Mobile Banking
App.
ix. The oldest device registered to your username will be defaulted as the primary
device, unless specifically selected otherwise. Only one authenticated device out of
up to three, will be used to authorize selected transactions using the Secure Plus
technology.
x. The primary device will be used to perform authorization of selected financial and
non-financial transactions with RHB Bank. You will be fully responsible for all
authorizations made from the device and we shall not be held accountable or liable
for any loss or damage (including without limitation any loss of funds) incurred or
suffered by you or any other party.
xi. No registration is required to perform authorization of these selected transactions.
xii. The Identifiers and passwords must be kept strictly confidential and must not be
disclosed to any other person.
xiii. You must not leave the computer/mobile device unattended or permit any person
access to the computer/mobile device in such a manner that person may access your
RHB Online Banking, whether with or without your consent.
xiv. If you lose or replace or part with the possession or control of the mobile device or
any other device in which the application are installed, or if you have reason to
believe that someone has accessed your Account, you must immediately notify and
instruct us to invalidate the Identifiers immediately, and make a fresh application to
register and access RHB Online Banking.
xv. If your mobile phone is lost or stolen, you must immediately report to us if there is
any unauthorized payment via the RHB Online Banking services as a result from the
lost or stolen mobile phone.

15A.19 If we suspect any unauthorized transactions, we may suspend your access and use of the
RHB Online Banking services until the fresh Identifiers have been set up.
Operating Times

15A.20 The RHB Online Banking service will usually be available for use 24 hours, 7 days a week
unless otherwise specified in these terms and conditions or via RHB Online Banking.

15A.21 All or part of the RHB Online Banking services that may be available at certain times due to
routine maintenance requirements, malfunctions or system failure, excess demands on the system
and/or circumstances beyond our control. We do not provide any warranty that the RHB Online
Banking services (or any part thereof) provided will be available at the times stated herein. If there
is any failure or disruption in the service (or any part thereof), you may e-mail or call the number
provided in Part A Item F in the full set T&C. Please click the link for the full set of T&C. Please be
reminded that banking transactions may still be conducted via other service delivery channels (eg.
branch, ATM, RHB phone banking, etc.)

Instructions

15A.22 You agree and authorise us to act on all of the instruction(s) (including funds transfers, bill
payments, stop payment instructions, viewing of Accounts and the Accounts maintained at other
website etc.) via the Services after you have successfully logged on to the RHB Online Banking
services, and accept full responsibility for all such instruction(s), and in particular for ensuring the
accuracy and completeness of the instruction(s), and also for ensuring that the same instructions
are not inadvertently transmitted to us twice.

15A.23 All instruction(s) issued after successful log on to the Services, when received by us, shall
be effected in accordance with the procedures, limits and conditions determined by us and any
applicable laws as may be amended from time to time. We may delay or refuse to carry out or
determine the priority of or execute any such instruction(s), without prior notice and at our
discretion, at any time without giving any reason to you. Please be reminded that certain
transactions may only be processed during normal banking hours and may take a number of
business days to complete, despite the extended operating times of the RHB Online Banking
service.

15A.24 All instruction(s) issued after successful log on to the RHB Online Banking services shall be
binding on you once transmitted to us regardless of whether the instruction(s) are issued by you
or by some other person, whether authorised or not and notwithstanding any error, fraud, or
forgery. We will not be liable for any loss or damage (including without limitation loss of funds)
suffered or incurred by you as a result of:-

i. any unauthorised instructions or transactions effected using the Identifiers, as a

result of the non-observance with the obligations under Clause 15A.18 above;
ii. our refusal to act upon any instruction(s) given to us under circumstances which, in
our opinion, are suspicious or irregular;
iii. we effecting instruction(s) without verifying the accuracy and/or completeness of
such instruction(s), although we are entitled at our discretion to seek such
confirmation from you; or
iv. your non-observance of any of these terms and conditions, including but not limited
to bounced cheques caused by insufficient funds in the Account(s) after the debiting
of the fees and charges under Clause 19 below in the full set T&C. Please click the
link for the full set of T&C.
15A.25 Once you have given instruction, you are not allowed to cancel or amend it. However, upon
your request, we may, at our discretion, (but shall not be obligated to) agree to revoke, cancel,
reverse or otherwise amend any of your earlier instruction. All costs and charges incurred by us in
implementing any such requests by you shall be borne by you and may be debited from Account(s)
as we deem fit.

15A.26 It shall be your responsibility to notify us immediately when you:

i. receive incomplete, garbled or inaccurate data or information from us of any and all
instructions, transactions or other use under the RHB Online Banking service.
ii. receive any data or information which is not intended for you and you shall delete
such data or information immediately and not retain the same (or copies thereof);
or
iii. become aware, or suspect or have any reason to believe that any instruction(s) sent
by you has not been received by us or is not accurate including without limitation
any mistaken, fraudulent or unauthorised payments or funds transfers from or to
your Account(s).

Rights of and Liabilities to Third Parties

15A.27 At times you may require the services of and/or software provided by third parties, which
are not under our control, to access and operate the RHB Online Banking. In this regard, you
understand and agree as follows:-

i. You are responsible for and shall not in any way hold us responsible or liable for
any services and/or software through which you have access to the RHB Online
Banking services that are not controlled by us;
ii. You shall be responsible to ensure that the software that is supplied to you is
compatible with any computer, computer system or other device from which you
have accessed the RHB Online Banking and any other software on that device or any
other provider on other device;
iii. You shall be bound by all terms and conditions prescribed by such services and/or
software as aforementioned used by you to access the RHB Online Banking without
any recourse to us;
iv. We shall not be held liable or responsible for any loss or damage or other charges
or expenses that may be incurred by you by the use of such services and/or software
as aforementioned.

15A.28 You understand that any access to the RHB Online Banking will be effected through the
relevant internet service provider, network provider or communication network provider or any
other provider in the country from which such service is accessed, and to this extent such access
will also be subject to and governed by the relevant laws and regulations of that country and any
terms and conditions prescribed by such relevant internet service provider, network provider or
communication network provider or any other provider.

15A.29 We do not warrant the security and confidentiality of information transmitted through the
internet service provider, network provider or communication network provider or any equivalent
system in any jurisdiction via the RHB Online Banking. In addition, you accept and agree that we
shall bear no responsibility for any electronic, mechanical, data failure or corruption, computer
viruses, bugs or related problems that may be attributable to the services provided by any relevant
internet service provider, network provider or communication network provider or any other
provider.

15A.30 We will, from time to time, and at our discretion, display certain third party products or
services in the RHB Online Banking, or a Link to the website of such third party in the RHB Online
Banking. Whilst we will endeavour to ensure a minimum quality and standard for all products and
services offered within the RHB Online Banking, since your purchase of such products or services
will be directly from the third party concerned, we cannot make any representations or warranties
on the pedigree of such third party and/or the quality or standard of their products or services.

15A.31 You shall indemnify, defend and hold us harmless from and against any and all suits, actions,
judgments, damages, costs, losses, expenses (including legal fees on a solicitor and client basis) and
other liabilities arising from a breach and/or contravention and/or non-compliance with any
provision under Clause 15A.

Equipment and Software

15A.32 You also agree that you are responsible for the computer, system, mobile device and/or
other device from which you access the RHB Online Banking, including without limitation the
maintenance, operation and permitted use of such computer, system, mobile device and/or other
device and that it is your obligation to comply with any criteria imposed by us from time to time
with respect to the computer, system, mobile device and/or other device from which you have
accessed the RHB Online Banking (including any software used).

15A.33 You shall not access the RHB Online Banking using any computer, system, mobile device
and/or other device which you do not own unless you have received the owner's permission. You
shall also ensure that any computer, system, mobile device and/or other device from which you
has access and use the RHB Online Banking shall be properly maintained and shall be free from any
defects, viruses or errors. You are to further ensure that the computer, system, mobile device
and/or other device is loaded with the latest anti-virus and anti-spyware software and that the said
software are at all times installed and updated with the latest pattern. You shall also ensure that
the downloaded application is from trusted channels and genuine application and all applications
downloaded is at your own risk.

15A.34 Any material downloaded or otherwise obtained through the use of the RHB Online Banking
is done at your own discretion and risk and you are responsible for any damage to the computer,
system, mobile device and/or other device or loss of data that results from the download of any
such material. No advice or information, whether oral or written, obtained by you from us or the
Service Provider through or from the services will create any warranty not expressly stated in these
terms.

Restrictions on Use of RHB Online Banking

15A.35 As a condition of your permitted use of the RHB Online Banking, you undertake that you
will not use the RHB Online Banking (or any service, information or product thereunder) for any
illegal or unlawful purpose or where otherwise prohibited under law or by these terms and
conditions. You shall not use the RHB Online Banking (or any service, information or product
thereunder) in any manner which could damage, disable, overburden, corrupt or impair the RHB
Online Banking or the hardware or application and software system, security protocols,
information/service provider networks or other operations or interfere with any party's use and
enjoyment of the RHB Online Banking. You shall not attempt to gain unauthorised access to any
account(s) or any hardware and software system, security protocols, information/service provider
networks or other operations connected to the RHB Mobile Banking application, through hacking,
password mining or any other means. You shall not obtain or attempt to obtain any materials or
information through any means not intentionally made available through the RHB Online Banking.

15A.36 You shall not modify, copy, distribute, transmit, use or otherwise deal with any of the
products, services, information or Content of the RHB Online Banking without obtaining our prior
written approval unless expressly allowed under these terms and conditions. Further, you shall not
post, send or transmit any unauthorised Content on to or through the RHB Online Banking including
without limitation, Content that (i) is unlawful, vulgar, obscene, libellous, breach of privacy, abusive
or otherwise objectionable; (ii) "junk mail", "spam", "chain letters" or any other form of
unauthorised materials; and (iii) contains software viruses or any file or program that may
interrupt, disable, overburden, corrupt or impair the RHB Online Banking or the hardware and
software system, security protocols, information/service provider networks or other operations.

Ownership of Intellectual Property Rights

15A.37 You are permitted to use Content delivered to you through the RHB Online Banking services
only on the services as provided within this terms and conditions.

15A.38 We own and hereby assert whether now or in the future all registered and unregistered
rights (including all moral rights) in the RHB Online Banking, the Content, application and any other
legal and beneficial rights and interests of whatever nature related thereto conferred under the
laws of Malaysia and all the countries in the world for the full period thereof, together with any
renewals and extensions thereof.

15A.39 Nothing in these terms and conditions shall be deemed to grant any express or implied
license (or other right) to you to use, reproduce, copy or otherwise deal with any one or more of
the intellectual property or proprietary rights set out in the aforesaid paragraph. The RHB Online
Banking and the rights granted to you under these terms and conditions are made available to you
strictly for your personal use and access. Any rights not expressly granted under these terms and
conditions are entirely and exclusively reserved to and by us.

15A.40 You are licensing to us and our Service Provider any information, data, Passwords, materials
or other Content (collectively, "Customer Content") which you provide to the RHB Online Banking
service. We and Service Provider may use, modify, display, distribute and create new material using
such Customer Content to provide the Services to you. By submitting Customer Content, you
automatically agree, or promise that the owner of such Customer Content has expressly agreed
that, without any particular time limit, and without the payment of any fees, we and the Service
Provider may use the Customer Content for the purposes set out above. As between us and the
Service Provider, we own your confidential account information.

15A.41 You shall not by yourself or through any third party commit or attempt to commit any
infringing acts, including but not limited to framing, unauthorised linking, spamming, metatagging,
and/or spidering.
15A.42 You agree not to reverse engineer or reverse compile any of the technology of the RHB
Online Banking service, including but not limited to, any Java applets associated with the service.

15A.43 From time to time we may issue directives or instructions in relation to any use of the
intellectual and proprietary rights belonging to us (or to our designees) and you shall forthwith
comply with any and all such directives or instructions.

Liability and Indemnity on RHB Online Banking

15A.44 The provision in Clause 22.1 will apply notwithstanding the fact that we or the Service
Provider may have been advised of the possibility of such damages, resulting from: (i) the use or
the inability to use the RHB Online Banking service; (ii) the cost of getting substitute goods and
services, (iii) any products, data, information or services purchased or obtained or messages
received or transactions entered into, through or from the RHB Online Banking service; (iv)
unauthorized access to or alteration of the transmissions or data; (v) statements or conduct of
anyone on the RHB Online Banking service; (vi) the use, inability to use, unauthorized use,
performance or non-performance of any third party account provider site, even if the provider has
been advised previously of the possibility of such damages; or (vii) any other matter relating to the
Services.

15A.45 Without prejudice to the generality of the foregoing, you understand that you are
personally responsible for the use and access to the RHB Online Banking and hereby agree to
indemnify, defend and hold us harmless against any and all claims, demands, suits, actions,
judgements, damages, costs, losses, expenses (including legal fees and expenses on a solicitor and
client basis) and other liabilities whatsoever and howsoever caused that may arise or be incurred
by us in providing the RHB Online Banking service to you, whether or not arising from or in
connection with :-

i. Your failure to strictly observe the security obligations under Clause 15A.18, and/or
the subsequent acts or omissions of any person using the Identifiers as a
consequence of the failure to so observe the aforesaid security obligations;
ii. an infringement of a trademark, or copyright, or other intellectual proprietary right
of a third party (please refer to Clause 15A.41);
iii. any illegal, immoral and/or negligent act, error or omission via the RHB Mobile
Banking Application service, including but not limited to computer crimes, fraud,
cheating, defamation, etc. (please refer to Clause 15A.36) and/or your failure to
observe the applicable laws and/or regulations applicable (please refer to Clause
15A.35); and/or
iv. Your failure to ensure there are sufficient funds in the Account, and/or issue
instructions/effect transactions sufficiently in advance and/or in accordance with
the terms and conditions applicable thereto (please refer to Clauses 8 and 9 in the
full set T&C, and Clause 15A.7 generally). The parties hereto agree that this provision
shall take effect to the widest and fullest extent permitted by law.

15A.46 The provisions of Clause 15A.44 and 15A.45 herein shall take effect to the widest and fullest
extent permitted by law.
Suspension or Termination of Service

15A.47 Notwithstanding any other provision herein, we may, at any time, with or without notice
and without having to give any reason to you, immediately discontinue, suspend or terminate the
RHB Online Banking (or any part thereof) or your right to access and use the RHB Online Banking
(or any part thereof), unconditionally or otherwise, at our discretion. We may also, at our
discretion, impose conditions on the suspension including the period of suspension and
reinstatement of the RHB Online Banking service and the requirements before any reinstatement
is made.

15A.48 Upon suspension or termination of the RHB Online Banking service, we shall not be
obligated to act upon any of your instructions, whether received before or after the effective date
of suspension or termination and which have not been already implemented by us, at our
discretion. If there are any outstanding matters or activities that we require you to comply with,
you shall take all steps required by us to effect completion or termination of all the activities under
or pursuant to the services or the RHB Online Banking. Any and all rights and licenses granted to
you hereunder shall cease with immediate effect. Termination or suspension by us of the RHB
Online Banking service under this Clause 15A.47 and Clause 15A.48 shall not entitle you to, and
you hereby waive all rights to any claim or compensation against us for any and all loss or damage
suffered or incurred by as a direct or indirect result of the act of termination or suspension.
Evidence

15A.49 Our records of all and any communications by you during or pursuant to the use and access
to the RHB Online Banking in any form or medium whatsoever (including electronic information
storage media) shall be conclusive evidence thereof. Any and all communications transmitted
through the RHB Online Banking in accordance herewith shall be construed to be valid, accurate,
authentic and shall have the same effect as a written and/or signed document.

Offers & Promotions

15A.50 Offers & Promotions is a service that is offered at RHB Online Banking

15A.51 Copyright and Trademarks of Offers & Promotions

All contents included in the Feature, such as text, graphics, logos, button icons, images, audio clips,
digital downloads, data compilations and software, are owned and/or licensed by us and/or its
content supplier are protected by copyright, trademarks and other laws. The compilation of all
content in the Feature is our exclusive property and is protected by copyright laws.

15A.52 Currency

All transactions in the RHB Online Banking are to be conducted and payable in Malaysian Ringgit
(MYR), unless otherwise indicated.