Transfer Charges Charges Debiting Account Type First Two Transactions of the Month IBG Basic Savings Accounts

Basic Current Accounts Savings & Current Accounts Schedule Transactions for Basic Savings & Current Accounts Schedule Transactions for Savings & Current Accounts Transfer Schedule Transfer Received by Beneficiary Bank for Processing IBG Before 12:00 noon Monday Friday After 12:00 noon Next business day Immediate Instant Transfer Funds Available at Beneficiary Bank IBG Instant Transfer RM0.50 RM0.50 RM1.00 RM0.50 RM4.00 Instant Transfer RM2.00 RM2.00 RM2.00 RM4.00 RM4.00 Subsequent Transactions Instant IBG Transfer RM1.00 RM2.00 RM1.00 RM2.00 RM1.00 RM2.00 RM4.00 RM4.00 RM4.00 RM4.00

Transfer Day

Transfer Time

Same day

Immediate

Saturday, Sunday, Federal Territory Public Holiday

Anytime

Next business day

Immediate

Latest by 9.00am on Immediate the next business day Latest by 9.00am on the next two business days Immediate from transaction date. Latest by 9.00am on the next two business days Immediate from transaction date.

Participating Banks Interbank Instant Participating Banks Type of accounts GIRO Transfer (IBG) Savings and Current Affin Bank Berhad Credit Card Loans Savings and Current Alliance Bank Malaysia Berhad Credit Card Loans Savings and Current AMBank/AM Finance Credit Card x Loans x Savings and Current x Bank Islam Malaysia Berhad Credit Card x Loans and Hire Purchase x Savings and Current Bank Simpanan Nasional Credit Card (incl MBF Cards) x Loans x Savings and Current Credit Card Bank Kerjasama Rakyat Malaysia Loans (except Ar-Rahnu, AzZahab and Hire Purchase) Bank Muamalat Malaysia Berhad Savings and Current x Savings and Current x Citibank Credit Card x Loans x Savings and Current x Deustche Bank (Malaysia) Berhad Loan x Savings and Current EON Bank Berhad/EON Finance Berhad Loans x Hire Purchase x Savings and Current Hong Leong Bank Berhad Credit Card Loans Savings and Current x HSBC Bank Malaysia Berhad Credit Card x Loans x Savings and Current x OCBC Bank (Malaysia) Berhad Credit Card x Loans x

Public Bank Berhad/Public Finance Berhad RHB Bank Berhad

Standard Chartered Bank

United Overseas Bank Berhad

Maybank Berhad The Royal Bank of Scotland Berhad Bank of America Bank Pertanian Malaysia Berhad (Agro Bank) J.P. Morgan Chase Bank Berhad Kuwait Finance House (Malaysia Berhad)

Savings and Current Credit Card Loans Savings and Current Credit Card Loans Savings and Current Credit Card Loans Savings and Current Credit Card Loans Savings and Current Credit Card Loans Savings and Current Foreign Currency Savings and Current Savings and Current Savings and Current Savings and Current

x x x x x x x x x x x x x x x x