ABc

Credit / Charge Card Statement / Penyata Kad Kredit / Caj

HSBC Bank Malaysia Berhad

003480-014837-014837/01-04

IMPORTANT MESSAGE
Have you been eyeing for that dream designer bag? Or that exotic holiday with your loved ones? Now you can convert your dreams into reality by converting your credit card transactions into affordable monthly installment with HSBC Flexi Payment Plan. Flexi A: 3% Upfront Fee, 0% for 10 months Flexi B : 5% Upfront Fee, 0% for 20 months Just follow a few simple steps below : 1) Minimum purchase amount RM1,000.00 2) SMS to 33213 with the following information : FLEXI<space>A or B<space> 16-digit Credit Card Number <space> Flexi Payment Amount <space> approval code (Refer to 'APP' code on your credit card receipt) For enquiries, please call 1300 88 1388

JAAFAR MOHD JUNID NO 13 JALAN D'ARECA 4 TAMAN BANDAR SENAWANG 70450 SENAWANG, NEGERI SEMBILAN

Card number
Nombor kad

Card type
Jenis kad

Statement date
Tarikh penyata

Statement balance
Jumlah penyata(RM)

Minimum payment
Bayaran minima(RM)

Payment due date

5400 4190 0527 0100

MasterCard Gold

06 Feb 2011

6,197.87

309.89

27 February 2011

Bank Negara Malaysia Guidance for Customers Notice on Paying Only Minimum Monthly Repayment (Not applicable for Amanah Cards):
The amount of interest you have to pay and the time it takes to repay your balance in full will increase if only the minimum monthly payment is made. Please refer to the back page for details.

Notis Jika Hanya Membayar Bayaran Minimum Bulanan (Tidak sah untuk Kad Amanah):
Jumlah faedah yang harus dibayar dan tempoh yang diambil untuk menjelaskan keseluruhan baki belum jelas anda akan bertambah jika anda hanya membayar bayaran minimum bulanan. Sila rujuk kepada muka surat belakang untuk maklumat lanjut. HSBC Contact Centre

For all Credit Card enquiries, please call us at 1-300-88-1388. Untuk pertanyaan Kad Kredit, sila hubungi kami di talian 1-300-88-1388.
Retain this statement for records. Please examine this statement immediately. If no discrepancy is reported within 60 days from the date of this statement, the account will be considered correct. Any exception error, change of home or business address or telephone number must be promptly advised to Card Services and confirmed in writing by fax / post. Please see reverse side for important information. Simpan penyata ini sebagai rekod. Sila periksa penyata ini dengan segara. Jika tiada ketidaksamaan dilaporkan dalam masa 60 hari daripada tarikh penyata ini, akaun ini akan dianggap betul. Sebarang pengecualian, kesilapan, pertukaran alamat atau pejabat atau nombor telefon mesti dimaklumkan segera kepada Khidmat Kad dan disahkan secara bertulis melalui faks atau pos. Sila lihat halaman sebelah untuk maklumat penting. Tel : 1-300-88-1388 Address / Alamat : Card Services, P.O. Box 13688 50818 Kuala Lumpur. Khidmat Kad, Peti Surat 13688 50818 Kuala Lumpur. Fax / Faks : 03-2179 6566 Bank Negara Malaysia - Contact Details For enquiries on matters related to the financial sector, please contact Bank Negara Malaysia at 1-300-88-5465 ; BNMLINK Customer Service Centre (9.00am - 5.00pm, Monday - Friday), Ground Floor, Block D, Jalan Dato' Onn, 50480 Kuala Lumpur; or email to bnmtelelink@bnm.gov.my. Untuk pertanyaan mengenai perkara berhubung dengan sektor kewangan, sila hubungi Bank Negara Malaysia di talian 1-300-88-5465; Pusat Perkhidmatan Pelanggan BNMLINK (9.00pg - 5.00ptg, Isnin Jumaat), Tingkat Bawah, Blok D, Jalan Dato' Onn, 50480 Kuala Lumpur atau emel ke bnmtelelink@bnm.gov.my.

ABc
Credit / Charge Card Statement / Penyata Kad Kredit / Caj

HSBC Bank Malaysia Berhad

Card number
Nombor kad

MasterCard Gold 5400 4190 0527 0100

Statement date
Tarikh penyata

06 FEB 2011

Page
Halaman

003480-014838-014838/02-04

HSBC Rewards points summary

Minimum payment
Amaun minima yang perlu dibayar (RM)

Points carried forward / Mata bulan lepas Points earned / Mata diperolehi Bonus points / Mata bonus Points adjustments / Mata penyesuaian + + -

9,131 611 0 0 0 9,742

Arrears of payment / Tunggakan bayaran Current due / Amaun semasa perlu dibayar Overlimit / Melebihi had kredit

0.00 309.89 0.00

Points redeemed / Mata yang telah dilunaskan Total points / Jumlah mata terkini =

Total minimum payment / Jumlah minima Payment due date / Tarikh akhir pembayaran

309.89 27 FEB 2011

Redeem your reward points on-line at www.hsbc.com.my Post date

Transaction date
Tarikh transaksi

Transaction details
Huraian transaksi

5400 4190 0527 0100 JAAFAR MOHD JUNID Your Credit Limit: RM10,000 Credit used as of last statement 24 JAN 31 JAN 01 FEB 24 JAN 31 JAN 31 JAN PAYMENT - THANK YOU PAYMENT - THANK YOU CHARDON ORIGINAL JEANS NILAI Your charge(s) for this month 5400 4190 0527 6099 MOHD FATTAH FIRDAUS 13 JAN 16 JAN 23 JAN 12 JAN 14 JAN 21 JAN HSBC AMANAH TAKAFUL-R KUALA LUMPUR MYS SOGO KUALA LUMPUR(A) KUALA LUMPUR MYS ASO TYRE SERVICE CENTR KUALA LUMPUR MYS This month charge(s) for MOHD FATTAH FIRDAUS 06 FEB 06 FEB FINANCE CHARGES Total credit used 26.00 77.85 380.00 483.85 84.31 6,197.87 MYS 6,101.01 350.00 CR 250.00 CR 128.70 128.70

Please detach and enclose this portion of your statement with your payment. To avoid suspension of your card facility, please ensure that payment is made promptly before due date.
Sila leraikan keratan ini dan lampirkan bahagian ini bersama dengan pembayaran. Untuk mengelakkan penggantungan perkhidmatan kad anda, sila pastikan bayaran dibuat pada tarikh akhir pembayaran

JAAFAR MOHD JUNID NO 13 JALAN D'ARECA 4 TAMAN BANDAR SENAWANG 70450 SENAWANG, NEGERI SEMBILAN
Cheques should be made payable to / Bayaran dengan cek hendaklah dibuat kepada: HSBC CREDIT CARD ACCOUNT - 'CUSTOMER NAME'

Card number Nombor kad MasterCard Gold

Payment due date

Bank name/Cheque number Cheque amount

Commission
Komisen

Total
Jumlah

5400 4190 0527 0100

27 FEB 2011

5400419005270100 0000619787 0000030989

ABc
Credit / Charge Card Statement / Penyata Kad Kredit / Caj

HSBC Bank Malaysia Berhad

Card number
Nombor kad

MasterCard Gold 5400 4190 0527 0100

Statement date
Tarikh penyata

06 FEB 2011

Page
Halaman

003480-014839-014839/03-04

Post date
Tarikh catatan

Transaction details
Huraian transaksi

Amount (RM)
Amaun (RM)

Your statement balance ***Please forward your payment by 27 FEB 2011. Thank You.

6,197.87

Notice on Paying Only Minimum Monthly Repayment: The following table illustrates the amount of interest incurred and the repayment period, under different outstanding amount scenarios if you continue to pay only the minimum amount. The computations are based on 5% minimum payment or RM50, whichever is higher at the applicable finance charge/interest rate under the tiered interest rate structure. You may pay more if you wish (any amount above your minimum payment requirement) as long as payment is made within the specified due date. Notis Jika Hanya Membayar Bayaran Minimum Bulanan: Jadual berikut menunjukkan jumlah faedah yang dikenakan dan tempoh pembayaran balik menurut jumlah tertunggak yang berbeza sekiranya anda hanya membayar jumlah minimum. Pengiraan adalah berdasarkan 5% bayaran minimum atau RM50, yang mana lebih tinggi dan pada caj kewangan/kadar faedah yang terpakai dalam struktur kadar faedah bertingkat. Anda boleh membuat bayaran dengan jumlah yang lebih tinggi sekiranya anda mahu (mana-mana jumlah yang melebihi jumlah minimum yang dikehendaki) selagi bayaran dibuat dalam masa yang ditetapkan. Retail Transactions (for the purpose of calculation, we assume there are 30 days per month and repayment is conducted on due date) Belian (untuk tujuan pengiraan, kami andaikan cuma ada 30 hari sebulan dan bayaran balik dilakukan pada tarikh akhir pembayaran)

Examples under different outstanding amount scenarios / Contoh bagi senario-senario baki belum jelas yang berbeza Outstanding balance (RM) / Baki belum jelas (RM) Repayment period (months) / Tempoh pembayaran balik (bulan) Total interest incurred at 17.5% p.a. (RM) / Jumlah faedah yang dikenakan pada kadar 17.5% setahun (RM) Repayment period (months) / Tempoh pembayaran balik (bulan) Total interest incurred at 16% p.a. (RM) / Jumlah faedah yang dikenakan pada kadar 16% setahun (RM) Repayment period (months) / Tempoh pembayaran balik (bulan) 500 13 40.68 13 36.88 13 1,000 26 180.32 26 161.47 25 1,500 37 377.04 37 335.39 35 2,000 45 573.84 44 509.48 42 5,000 70 1,754.41 68 1,553.61 65 10,000 89 3,722.07 87 3,293.94 83

30.69 131.80 271.00 410.20 1,245.78 2,638.47 Total interest incurred at 13.5% p.a. (RM) / Jumlah faedah yang dikenakan pada kadar 13.5% setahun (RM) The table above illustrates the difference in repayment periods and total interest incurred under the different tiered interest rates of 17.5%, 16% and 13.5% per annum respectively. For simplification, the cardholder is assumed to carry on paying the respective interest rates for the entire tenure of repayment of the outstanding balance. / Jadual di atas menunjukkan perbezaan bagi tempoh bayaran semula dan jumlah faedah yang dikenakan di bawah kadar faedah bertingkat yang berbeza iaitu pada kadar 17.5%, 16% dan 13.5% setahun. Sebagai pemudahan, pemegang kad dianggap membuat bayaran kadar faedah masing-masing bagi sepanjang tempoh pembayaran jumlah tertunggak. Assumptions to the above: / Anggapan bagi perkara di atas: 1) The 20 days interest-free period is not applicable given that the illustration is based on revolving balance. Due date for payment is 20 days after the statement date. / Tempoh 20 hari bebas-faedah tidak terpakai memandangkan contoh yang diberikan adalah berdasarkan baki berputar. Tarikh akhir bayaran ialah 20 hari selepas tarikh penyata. 2) Customer makes minimum payment on or before the due date. / Pelanggan membuat bayaran minimum pada atau sebelum tarikh akhir. 3) There are no new retail transactions after the first month. / Tiada transaksi runcit baru dibuat selepas bulan pertama. Fees and Charges / Yuran dan caj-caj
d) Interest free period / Tempoh tanpa faedah a. Cardholders who pay in full on or before the payment due date of the previous month's statement will enjoy an interest-free period of 20 days for all retail transactions only. / Pemegang kad yang menjelaskan semua bayaran bagi penyata bulan sebelumnya pada atau sebelum tarikh akhir Utama Tambahan Utama Tambahan bayaran akan menikmati tempoh bebas-faedah selama 20 hari bagi semua transaksi runcit. Classic 80 40 80 40 b. Cardholders who only partially settle their previous month's outstanding balances on or before the payment due date will be charged a finance charges/interest rate as per applicable tiered structure for all Gold 160 80 160 80 retail transactions from posting date of the said retail transactions. / Pemegang kad yang hanya Advance* None / Tiada None / Tiada membayar sebahagian daripada jumlah tertunggak bagi penyata bulan sebelumnya sebelum/pada 600 300 Platinum / Premier** None / Tiada None / Tiada tarikh akhir bayaran akan dikenakan caj kewangan/kadar faedah sebagaimana yang terpakai * To qualify for a Advance Visa Platinum Credit Card , the cardholder has to maintain a HSBC Advance Account. bagi struktur bertingkat bagi semua transaksi runcit bermula daripada tarikh posting transaksi Untuk layak mendapat Kad Kredit Advance Visa Platinum, pemegang kad hendaklah mengekalkan Akaun HSBC Advance. ** To qualify for a Premier MasterCard, the cardholder has to maintain an HSBC Premier Demand Deposit account. runcit tersebut. Untuk layak mendapat Kad Premier MasterCard, pemegang kad hendaklah mengekalkan akaun Demand Deposit HSBC Premier. e) Late payment charge / Caj pembayaran lewat b) Joining fee / Yuran kemasukan: None / Tiada caj Minimum of RM5 or 1% of the total outstanding balance, whichever is higher, capped to a maximum of c) Finance charges / Caj Kewangan RM50 charged on the day after the expiration of 3 days from the due date as specified in the following a) Purchases / Pembelian month's statement. / Minimum RM5 atau 1% bagi jumlah baki tertunggak, yang mana lebih tinggi, The finance charge/interest rate is charged at per applicable tiered rate structure for all retail dihadkan pada jumlah maksima RM50 yang dicaj pada hari selepas tamat tempoh 3 hari daripada transactions from posting date of the said retail transactions. / Caj kewangan/kadar faedah tarikh pembayaran yang dinyatakan dalam penyata kad bulanan berikutnya. dikenakan pada struktur kadar bertingkat yang terpakai bagi semua transaksi runcit sejak tarikh posting transaksi runcit tersebut. f) Minimum monthly repayment / i. Tier I: Cardholders who promptly settle the minimum payment due for 12 consecutive months Pembayaran minimum bulanan will enjoy a maximum of 13.5% p.a of the total outstanding balance.; / Tingkat 1: Pemegang 5% of the outstanding balance or a minimum of RM50. / 5% daripada baki belum jelas atau minimum kad yang menyelesaikan bayaran minimum yang perlu dibayar bagi 12 bulan berturut-turut RM50. akan menikmati maksimum 13.5% setahun ke atas baki tertunggak. ii. Tier II: Cardholders who promptly settle their minimum payment amount due for 10 months or g) Cash advance fees / Yuran wang pendahuluan The cash advance fee is 5% of the amount advanced or a minimum of RM15, whichever is higher. This is more in a 12-month cycle will enjoy a maximum of 16% p.a. of the total outstanding balance.; imposed for each cash advance transaction. and / Tingkat II: Pemegang kad yang menyelesaikan bayaran minimum yang perlu dibayar Yuran wang pendahuluan adalah 5% atas amaun wang pendahuluan atau minimum RM15, yang bagi 10 bulan atau lebih dalam satu kitaran 12 bulan akan menikmati maksimum 16% setahun ke atas baki tertunggak. mana lebih tinggi. Yuran ini akan dikenakan atas setiap transaksi wang pendahuluan. iii. Tier III: Cardholders who do not fall within the above categories will enjoy a maximum of h) Conversion for overseas transactions / Pertukaran untuk transaksi luar negara 17.5% p.a. of the total outstanding balance. / Tingkat III: Pemegang kad yang tidak termasuk Card transactions which are effected in currencies other than Ringgit Malaysia, will be debited to the Card dalam ketegori di atas akan menikmati maksimum 17.5% setahun ke atas baki tertunggak. Account after conversion into Ringgit Malaysia, at the exchange rate as determined by Visa/MasterCard The finance charge/interest rate is calculated on a daily rest basis imposed on outstanding cash International on the day of conversion. The conversion rate is subject to an administration cost of 1.25% balances from posting date of the said retail transactions. Retail transactions exclude Cash Advance, and plus any transaction fee charged by Visa/MasterCard International. Balance Transfer and any other credit plans. / Caj kewangan/kadar faedah dikira pada kadar Transaksi kad yang dibuat dalam matawang asing selain dari Ringgit Malaysia akan didebit ke akaun harian yang dikenakan ke atas baki tunai bermula daripada tarikh posting transaksi runcit kad selepas ditukar kepada Ringgit Malaysia pada kadar pertukaran yang ditentukan oleh tersebut. Transaksi runcit tidak termasuk Pendahuluan Tunai, Pindahan Baki dan sebarang Visa/MasterCard International pada hari pertukaran. Kadar pertukaran adalah tertakluk kepada kos pelan-pelan kredit lain. administrasi sebanyak 1.25% dan sebarang yuran transaksi yang dicaj oleh Visa/MasterCard b) Cash advance / Wang pendahuluan 18% p.a. of the cash advance amount calculated on a daily basis from the date of disbursement until International. repayment in full. /18% setahun atas amaun wang pendahuluan jelas dikira pada kiraan harian i) Other fees/charges / Lain-lain yuran/caj mulai daripada tarikh pengeluaran wang sehingga pembayaran balik sepenuhnya dibuat. Request for Sales Draft - RM20.00 per copy / Permintaan Draft Jualan - RM20.00 setiap draft c) Balance transfer / Pindahan baki Request for Card Statement - RM5.00 per monthly statement / Permintaan untuk Penyata Kad Up to 18%p.a. of the amount transferred calculated on a daily basis for up to a fixed duration. RM5.00 setiap penyata bulanan Sehingga 18% setahun bagi jumlah yang dipindah dikira pada kadar harian untuk satu tempoh yang ditetapkan. Overlimit fee - RM25 per month will be charged for each credit card for any additional spending amount d) Computation of finance charge/interest / Pengiraan caj kewangan/faedah incurred that exceeds the allocated credit limit. / Bayaran lebih had - RM25 setiap bulan akan After determining the balances and the respective periods on which the finance charge/interest may dikenakan bagi setiap kad kredit untuk sebarang amaun perbelanjaan tambahan yang dibuat yang be imposed, the following formula for the computation of finance charge/interest is applicable. melebihi had kredit yang diperuntukkan. f = (B) x (P/D) x (R) Replacement for lost or stolen card -RM50.00 per card / Penggantian kad hilang atau kecurian F = Sum(f) RM50.00 setiap kad Where Cheque returned fee due to insufficient funds in the Current Account - RM100 / Bayaran keatas cek F is the total finance charge imposed for the month dikembalikan sebab ketidakcukupan dana dalam akaun semasa - RM100 Sum(f) is the sum of all the finance charges computed on the different Balances that may be imposed with finance charge over the applicable Periods during the month PLUS/CIRRUS withdrawal- RM10.00 for each cash withdrawal from a Deposit Account / Pengeluaran f is the finance charge for a particular balance "B" computed over the period of "P" days. tunai di ATM PLUS/CIRRUS - RM10.00 bagi setiap pengeluaran tunai daripada sesuatu Akaun B is the Balance that is imposed with finance charge Deposit P is the respective period in days on which the balance "B" is imposed with finance HSBC's Group ATM Network withdrawal - RM5.00 for each cash withdrawal from a Deposit Account charge Pengeluaran tunai di Rangkaian ATM Kumpulan HSBC - RM5.00 untuk setiap pengeluaran tunai D is 365 base days (366 for a leap year) daripada sesuatu Akaun Deposit R is the nominal finance charge annual rate stated. For outstation cheques, please include the inland exchange commission of 0.03% of the payment amount Setelah menentukan baki dan tempoh masa masing-masing yang akan di kenakan caj or RM0.50, whichever is higher / Bagi cek luar bandar, sila tambah komisen tukaran dalaman kewangan/faedah, formula berikut akan digunakan untuk mengira caj kewangan/faedah. sebanyak 0.03% daripada amaun pembayaran atau RM0.50, yang mana lebih tinggi f = (B) x (P/D) x (R) F = Jumlah(f) Note: In case of discrepancies between the English and Bahasa Malaysia versions, the English version shall Dimana F ialah jumlah caj kewangan yang dikenakan bagi sesuatu bulan apply and prevail. / Jika terdapat apa-apa perbezaan di antara versi Bahasa Inggeris dan Bahasa Jumlah(f) ialah jumlah semua caj kewangan yang dihitung atas Baki berlainan yang Malaysia, versi Bahasa Inggeris akan diambilkira. mungkin dikenakan caj kewangan sepanjang tempoh yang terpakai pada bulan itu. f ialah caj kewangan bagi baki tertentu "B" yang dihitung sepanjang tempoh hari "P" Agensi Kaunseling Dan Pengurusan Kredit (AKPK) B ialah Baki yang dikenakan caj kewangan BNM has established AKPK to provide free services on money management, credit counseling, financial P ialah Tempoh harian masing-masing dimana Baki "B" dikenakan caj kewangan education and debt restructuring for individuals. For enquiry, please call 1800 88 2575. D ialah 365 hari asas (366 bagi tahun lompat) BNM telah menubuhkan AKPK bagi menyediakan perkhidmatan pengurusan kewangan, kaunseling R ialah kadar tahunan caj kewangan nominal yang dinyatakan. kredit, pendidikan kewangan dan penstrukturan semula pinjaman secara percuma kepada individu. Untuk pertanyaan, sila hubungi talian 1 800 88 2575. MasterCard (RM) Primary Supplementary a) Annual fee /Yuran tahunan minimum Visa (RM) Primary Supplementary Card Type / Jenis Kad