Disclosure Requirements for E-payment Services and Fees

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David Logan
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1 CIMB Islamic Bank Berhad (67380H) CIMB Bank Berhad (349P) Disclosure Requirements for Epayment Services and Fees Businesses Intrabank Funds Transfer Internet Banking Mobile Banking ATM Over the Counter (OTC). Soleproprietors, No Charges No Charges No Charges 5.00 (via letter of instruction 5.00 (via letter of instruction Daily transaction limit (RM per day). Soleproprietors, Up to RM00,000 for LITE Package of No limit for Standard & Customised Packages of 5,000 combined limit with IBFT No limit. Availibility of payers Operating hours 7.00 am.30 pm 24 hours (Maintenance time:.55pm until 2.0am) For all channels Klang Valley/Johor Bahru: 9.5am 4.30pm (MonThurs) 9.5am 4.00pm (Friday) East Coast: 9.5am 4.30pm (SunWed) 9.5am 4.00pm (Thurs) MondayFriday Non Business days Real time if account number is invalid For manufacturing sector, sales turnover not exceeding RM50 mil or fulltime employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or fulltime employees not exceeding 75 workers.

2 Interbank GIRO (IBG) Internet Banking Mobile Banking ATM Over the Counter (OTC). Soleproprietors, Daily transaction limit (RM per day). Soleproprietors, Up to RM00,000 for LITE Package of No limit for Standard & Customised Packages of 0,000 No limit Not offering. Availibility of payers Futuredated payments Operating hours 7.00 am.30 pm 24 hours (Maintenance time:.55pm until 2.0am) No charges for senior citizens and the disabled persons Klang Valley/Johor Bahru: 9.5am 4.30pm (MonThurs) 9.5am 4.00pm (Friday) East Coast: 9.5am 4.30pm (SunWed) 9.5am 4.00pm (Thurs). Monday Friday Before 5.00 am 5.00am7.00am 7.0am9.30am 9.3am2.30pm After 2.30pm 2. Nonbusiness days For all channels Same day by 0.30am Same day by.00pm Same day by 3.45pm Same day by 5.45pm Next business day by 0.30am Next business day by anytime Refund by 0.30am the next business day for funds transferred before 2.30pm. Refund two business days later for funds transferred after 2.30pm. For manufacturing sector, sales turnover not exceeding RM50 mil or fulltime employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or fulltime employees not exceeding 75 workers.

3 Instant Interbank Funds Transfer (IBFT) Internet Banking Mobile Banking ATM. Soleproprietors, Daily transaction limit (RM per day). Soleproprietors, Not offering 0,000.00Local 4.00 LIFBs 5,000 combined limit with cash withdrawals. Availibility of payers (Will be implemented in 205) (Will be implemented in 205) Operating hours 24 hours (Maintenance time:.55pm until 2.0am) For all channels MondayFriday Nonbusiness days Refund by 0.30am the next business day for funds transferred before 2.30pm. Refund two business days later for funds transferred after 2.30pm. For manufacturing sector, sales turnover not exceeding RM50 mil or fulltime employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or fulltime employees not exceeding 75 workers.

4 RENTAS Online Banking Mobile Banking Overthecounter (OTC). Soleproprietors, Not offering 5.00 Not offering Availibility of payers Operating hours 7.00 am.30 pm Klang Valley/Johor Bahru: 9.5am 4.30pm (MonThurs) 9.5am 4.00pm (Friday) East Coast: 9.5am 4.30pm (SunWed) 9.5am 4.00pm (Thurs) MondayFriday Nonbusiness days Online Banking and Overthecounter (OTC) only Same day Cut off time before 3.30 pm Not available Same day For manufacturing sector, sales turnover not exceeding RM50 mil or fulltime employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or fulltime employees not exceeding 75 workers.

5 Other related fees/charges for online banking (internet and mobile banking) Soleproprietors, Other corporates. Maintenance / subscription fee 2. Security tokens 3. Annual digital certificates 4. Salary payment/payroll 5. Notification / SMS 6. Training Incentives and packages RM 0 for LITE Package of RM 20 per user per month for Standard/ Customised Packages of RM0.0 per transaction No charges No charges Campaign waived suscription fees subject to minimum monthly average balance met RM 20 per user per month for Standard/ Customised Packages of BizChannel@ CIMB RM 00 per token (not applicable to LITE Package of ) RM0.0 per transaction No charges RM250 per company For manufacturing sector, sales turnover not exceeding RM50 mil or fulltime employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or fulltime employees not exceeding 75 workers. Debit Card Daily pointofsale transaction limit (RM per day) Standalone domestic debit card Standalone International brand debit card Combo debit card Domestic Not offering Not offering Not offering Incentives NIL NIL NIL Cards with both domestic debit and international debit schemes International

6 Cheque and Current Account Services Charges (RM) Effective Date Fee per cheque issued RM0.65* 2 Jan 205 * Comprises RM0.5 stamp duty per cheque leaf & RM0.50 processing fee on each cheque issued starting 2nd January 205. Conventional Current Accounts Type of accounts Prime Current Account First 5,000 Next 5,00 to 50,000 Next 50,00 to 00,000 Next 00,00 to 500,000 Above 500,000 Flagship Current Account First RM5,000 Next RM5,00 RM0,000 Next RM0,00 RM00,000 Above RM00,000 MaxPlus 2 in Curent Account Up to 5,000 Up to 0,000 Up to 00,000 Above 00,000 Money Multiplier Current Account Up to 0,000 Above 0,000 CIMB Preferred Current Account First 20,000 Next 20,00 to 00,000 Above 00,000 Interest rate/profit rate (% per annum) Business Current Account Islamic Current Accountsi Type of accounts Current Accounti Wadiah Basic CAi Current Accounti Home Flexi Mudharabah (Special Mudharabah CAi) CAi Private Banking (previously known as High Yield CAi) Up to RM5,000 Above RM5,000 I*Hibah / Net Profit Rate Rates are determined on a profit sharing ratio Current Accounti for CIMB Preferred Up to 20,000 Up to 00,000 Above 00,000

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