CREDIT CARD STATEMENT / INVOICE

PENYATA KAD KREDIT / INVOIS

006447
TSLF 1 of 5
AZAHAR BIN CHE LATIFF
UNIVERSITI MALAYSIA SABAH
FAKULTI PSIKOLOGI & PENDIDIKAN
BLOK PSIKOLOGI
UMS JALAN UMS
88400 KOTA KINABALU
SABAH
MALAYSIA
INVOICE NO / NO INVOIS : 000002755292112019TSLF

Statement Date / Tarikh Penyata 08 NOV 19

Payment Due Date / Tarikh Matang Bayaran 28 NOV 19
Total Credit Limit / Jumlah Had Kredit 15,000

AmBank Islamic Berhad [295576-U] PO Box 12938, 50794 Kuala Lumpur. (SST Registration No: W10-1808-32001633)
03-2178 8888 ambankgroup.com
TSLF 2 of 5

Highlights of the Month

RM25 Credit Card Service Tax

Offset your RM25 Credit Card Service Tax with 7,000 AmBonus Points or 2,850 BonusLink Points. Redemption must be made within
2 months of the Credit Card Service Tax being billed to your Card. To apply, please visit www.ambank.my/eng/deals
TSLF 3 of 5
CREDIT CARD STATEMENT / INVOICE
PENYATA KAD KREDIT / INVOIS

Statement Date / Tarikh Penyata 08 NOV 19

Payment Due Date / Tarikh Matang Bayaran 28 NOV 19

Current Minimum
Credit
Balance Payment
Card No Card Type Limit
Baki Bayaran
Nombor Kad Jenis Kad Had Kredit
Semasa Minimum
(RM)
(RM) (RM)

4585 8281 0000 7813 Al-Taslif Visa Platinum Card-i 15,000 5,104.12 255.21
Total 15,000 5,104.12 255.21

YOUR TRANSACTION DETAILS / TRANSAKSI TERPERINCI ANDA

Transaction Date Posting Date Transaction Description Amount
Tarikh Transaksi Tarikh Catatan Butir-butir Transaksi Amaun (RM)
Al-Taslif Visa Platinum Card-i (P) 4585 8281 0000 7813
PREVIOUS BALANCE 4,755.30
10 OCT 19 12 OCT 19 AIRASIA-3D-EC SEPANG MY 195.80
10 OCT 19 12 OCT 19 AIRASIA-3D-EC SEPANG MY 40.41
10 OCT 19 12 OCT 19 AIRASIA-3D-EC SEPANG MY 142.80
13 OCT 19 13 OCT 19 PAYMENT RECEIVED - THANK YOU,AZAHAR BIN CHE 0.10 CR
LATIFF,own,102019
13 OCT 19 13 OCT 19 PAYMENT RECEIVED - THANK YOU,AZAHAR BIN CHE 4.21 CR
LATIFF,own,102019
23 OCT 19 23 OCT 19 PAYMENT RECEIVED - THANK YOU,AZAHAR BIN CHE 233.46 CR
LATIFF,own,Oktober 2019
23 OCT 19 23 OCT 19 PAYMENT RECEIVED - THANK YOU,AZAHAR BIN CHE 6.62 CR
LATIFF,own,Oktober 2019
01 NOV 19 01 NOV 19 PAYMENT RECEIVED - THANK YOU,AZAHAR BIN CHE LATIFF,own,Nov 0.10 CR
2019
07 NOV 19 07 NOV 19 QuickCash - 5.38% pa 13th/36 (RM3,174) 138.00
07 NOV 19 07 NOV 19 QuickCash - Management Fee** 22.42
08 NOV 19 08 NOV 19 MANAGEMENT FEE(Retail Mgmt Fee@ 15.00%)** 53.88
08 NOV 19 08 NOV 19 ANNUAL FEES - BASIC* 688.00
08 NOV 19 08 NOV 19 WAIVER OF ANNUAL FEES - BASIC* 688.00 CR
SUB TOTAL - 4585828100007813 5,104.12

Total Current Balance 5,104.12

End of Transaction Details

NOTICE ON PAYING ONLY MINIMUM MONTHLY PAYMENT: If you make only the minimum payment
each period, you will pay more in management fee and it will take you longer to pay off your balance.
Please refer to the back page for more information. Alternatively, you may also refer to the credit card-i
calculator available at https://www.ambank.com.my/CCBalanceCalculator
NOTIS JIKA HANYA MEMBUAT PEMBAYARAN BULANAN MINIMUM: Jika anda hanya membuat
bayaran minimum setiap kali, anda akan membayar lebih banyak yuran pengurusan dan akan
mengambil masa yang lebih lama untuk menjelaskan keseluruhan baki. Sila rujuk pada mukasurat
belakang untuk maklumat lanjut. Sebagai alternatif, anda juga boleh merujuk kepada kalkulator kad
kredit-i yang boleh didapati di https://www.ambank.com.my/CCBalanceCalculator
TSLF 4 of 5
CREDIT CARD STATEMENT / INVOICE
PENYATA KAD KREDIT / INVOIS

SUMMARY OF APPLICABLE GOODS, SERVICES AND CHARGES / RINGKASAN

UNTUK BARANGAN, PERKHIDMATAN DAN CAJ YANG BERKENAAN
Amount /
Total / Jumlah Rate /
Description / Butiran Amaun
(RM) Kadar
(RM)

ANNUAL FEES - BASIC* 688.00 0.00

WAIVER OF ANNUAL FEES - BASIC* -688.00 0.00

YOUR REWARDS POINTS SUMMARY / RUMUSAN MATA GANJARAN ANDA

Card Account / Balance / Points Extra Points / Points Total Points / Expiring Expiry Date /
Akaun Kad Jumlah Baki Earned/ Mata Ganjaran Redeemed/ Jumlah Mata Points / Tarikh Luput
Transfer / Tambahan Adjusted / Ganjaran Mata Ganjaran
Mata Ganjaran Mata Ganjaran Luput
Diperolehi/ Ditebus/
Dipindahkan Diselaraskan
4585 8281 0000 7813
12,628 379 0 0 13,007 10,750 08 NOV 20
AMBONUS
 IMPORTANT INFORMATION / MAKLUMAT PENTING
PAYMENT PROCEDURE PROSEDUR PEMBAYARAN
Please make payment to your respective 16-digit credit card number and indicate the amount Sila buat pembayaran kepada nombor kad kredit 16-angka anda dan sila letak amaun yang
payable to each card (principal & supplementary cards). dibayar kepada setiap kad (Kad utama dan tambahan).
Payment Methods1. Online payment at ambank.amonline.com.my.2. Phone Banking via Cara Pembayaran 1. Perbankan internet melalui ambank.amonline.com.my.2. Perbankan
AmBank Contact Centre.3. Cash payment at AmBank/AmBank Islamic branches/Automated Telefon menerusi Pusat Panggilan AmBank.3. Pembayaran Tunai di mana-mana cawangan
Teller Machine/Cash Deposit Machine.4. Standing Instruction.5. Interbank GIRO at AmBank/AmBank Islamic/Mesin ATM/ Mesin Deposit Tunai.4. Arahan Tetap.5. Mana-mana
participating banks. bank yang menyertai perkhidmatan GIRO.
Actual Management Fee (AMF) Yuran Pengurusan Sebenar (AMF)
The monthly actual management fee is calculated on a daily rest basis imposed on all Yuran pengurusan sebenar bulanan dikira berdasarkan pada kadar harian yang dikenakan atas
outstanding balances from posting date of the said retail transactions.Cash Advance baki tertunggak daripada tarikh pencatatan transaksi runcit tersebut.
Management Fee - 1.5% per month or 18% per annum calculated on a daily rest basis shall be Yuran Pengurusan Pendahuluan Tunai - 1.5% sebulan atau 18% setahun yang dikira atas
imposed on the Cash Advance amount from the date the Cash Advance is made until full dasar baki harian akan dikenakan pada Amaun Pendahuluan Tunai dari tarikh Pendahuluan
payment is credited into the Card account.Retail transactions - Balance imposed with Tunai dibuat sehingga bayaran penuh diterima dan dikredit ke dalam akaun Kad
Management Fee x (Management Fee -bearing period in days / number of days used as the Transaksi runcit - Baki yang dikenakan yuran pengurusan x (Yuran pengurusan - tempoh
base for the annual rate) x Tiered Management Fee Annual Rate stated. The actual tertentu dalam hari / bilangan hari yang digunakan sebagai asas kadar tahunan) x Kadar
management fee is charged at the following applicable tiered management charge rate tahunan yuran pengurusan yang bertingkat seperti ternyata. Yuran pengurusan sebenar
structure for all retail transactions from posting date of the said retail transactions. Retail dikenakan pada struktur kadar bertingkat yuran pengurusan untuk semua transaksi runcit dari
transactions exclude Cash Advance, Balance Transfer and other credit plans.Balance Transfer tarikh pengeposan transaksi runcit tersebut. Transaksi runcit tidak termasuk Pendahuluan
- Varies with each promotion Tunai, Pindahan Baki dan sebarang pelan kredit yang lain.Pindahan Baki - Berbeza mengikut
Rebate setiap promosii.
The Bank may, at any time or from time to time, grant to the Cardmember a rebate onthe Rebat
Fixed Management Fee, the amount of which will be determined and calculated atthe Pihak Bank boleh pada bila-bila masa atau dari semasa ke semasa, membenarkan rebat ke
absolute discretion of the Bank. Without prejudice to such discretion, the amount ofthe atas yuran pengurusan kepada Ahli Kad, sebanyak amaun yang akan ditentukan dan dikira
rebate if granted will be determined. oleh pihak Bank mengikut budi bicara mutlaknya. Tanpa prejudis kepada budinicara tersebut,
i.based on the differences between the FMF and the AMF at the relevant amaun rebat yang dibenarkan akan ditentukan:
statementdate; i.berdasarkan perbezaan antara FMF dan AMF pada Tarikh Penyata yang relevan; dan
ii.where the AMF charged on the current outstanding balance is lower than ii.di mana AMF yang dikenakan atas baki semasa adalah kurang dari FMF
FMF.Retail Transactions (for the purpose of calculation, we assume there are 30 days Transaksi Runcit (untuk tujuan pengiraan, kami andaikan ada 30 hari sebulan dan bayaran
permonth and payment is conducted on due date) dilakukan pada tarikh akhir pembayaran)
Minimum Repayment Amount Pembayaran Balik Minimum
i. 5% of *outstanding balance (if any); *outstanding balance refers to retail i. 5% daripada baki tertunggak* (jika ada); *baki tertunggak merujuk kepada
transactions (if any) + Cash Advance (if any) + finance charges and fees(if any) transaksi runcit (jika ada) + Pendahuluan Tunai (jika ada) + caj dan fi kewangan
ii. 100% Card Service Tax and Tax (if any); (jika ada)
iii.100% Monthly Instalments (if any) (including monthly instalments for Auto ii. 100% Cukai Perkhidmatan Kad (jika ada);
Balance Conversion, Balance Transfer, Quick Cash, Flexi Payment Plan, iii.100% Ansuran Bulanan (jika ada) (termasuk ansuran bulanan untuk Penukaran
Easy Payment Plan and other instalment plans available from time to time); Baki Automatik, Pindahan Baki, QuickCash, Pelan Pembayaran Flexi, Pelan
iv.100% past due amount (if any). Pembayaran Mudah dan pelan-pelan ansuran lain yang ada dari semasa ke
v. 100% of any overlimit amount (refers to amount which exceeds the semasa);
Prescribed Credit Limit or the Assigned Credit Limit) iv.100% amaun lewat bayar (jika ada);
Or v. 100% untuk amaun yang terlebih had (merujuk kepada amaun yang melebihi Had
minimum of RM50,whichever is higher. Kredit Yang Ditentukan atau Had Kredit Yang Diberikan)
Management Fee Tiered Rates For All Cards (Except for TRUE Card-i) ATAU
Minimum RM50,yang mana lebih tinggi.
Tier 1 1.25% per month or 15% per annum if you have promptly settled your Kadar Yuran Pengurusan Bertingkat Untuk Semua Kad (Kecuali Kad-i TRUE)
minimum payment due for 12 consecutive months.
Tier 2 1.42% per month or 17% per annum if you have promptly settled your Tingkat 1 1.25% sebulan atau 15% setahun jika anda telah menjelaskan jumlah minimum perlu
minimum payment due for at least 10 months in a 12 months cycle. dibayar tepat pada masanya untuk tempoh 12 bulan berturut-turut.
Tier 3 1.5% per month or 18% per annum if your payment record is not within either Tingkat 2 1.42% sebulan atau 17% setahun jika anda telah menjelaskan jumlah minimum perlu
Tier 1 or Tier 2 above. dibayar tepat pada masanya untuk sekurang-kurangnya 10 bulan dalam kitaran 12 bulan.
Management Fee Tiered Rates for TRUE Card-i Tingkat 3 1.5% sebulan atau 18% setahun jika rekod bayaran anda tidak seperti
(a) atau (b) di atas.
Tier 1 1% per mon th or 12% p.a. if you have promp tly settled your minimum paymen t
due in the previous month. Kadar Yuran Pengurusan Bertingkat Untuk Kad-i TRUE
Tier 2 1.5% per mon th or 18% p.a. if you have not promp tly settled the amoun t due in Tingkat 1 1% sebulan atau 12% setahun jika anda telah menjelaskan jumlah minimum
the previous month. yang perlu dibayar tepat pada masanya
Note: The Tiered Finance Charge apply to all except (1) Cash Advance (2) QuickCash Tingkat 2 1.5% sebulan atau 18% setahun jika anda tidak menjelaskan jumlah perlu
program (3) Late Payment Charges dibayar bulan sebelumnya tepat pada masanya
Other Fees And Charges Nota: Caj Kewangan Bertingkat dikenakan kepada semua kecuali (1) Pendahuluan Tunai, (2)
Program QuickCash dan (3) Caj Bayaran Lewat.
Over Limit Fee Fixed over limit fee of RM50.
Card Replacement RM25 per card. Yuran dan Caj Lain
Fee Yuran Lebihan Had Yuran tetap lebihan had berjumlah RM50.
Service Tax RM25 per card. Yuran Pengantian RM25 setiap kad.
Cash Advance Fee Fixed cash advance fee of RM50, which will be imposed for each Kad
cash advance transaction. Cukai Perkhidmatan RM25 setiap Kad.
Late Payment 1% of the total outstanding amount subject to a minimum of
Yuran Yuran tetap sebanyak RM50 akan dikenakan untuk setiap
Charge RM10 whichever is higher capped to a maximum of RM100.
Pendahuluan Tunai transaksi pendahuluan tunai .
Sales Drafts RM20 per copy.
Retrieval Fee Caj Lewat Bayar 1% daripada baki tertunggak yang perlu dibayar atau
Monthly Statement Hardcopy statement delivered to mailing address: sekurang-kurangnya RM10 sehingga maksimum RM100.
Fee RM12 per annum. Yuran Cetakan RM20 setiap salinan.
eStatement: Free of charge. Semula Draf Jualan
Yuran Penyata Salinan penyata dihantar kepada alamat surat menyurat :
Additional RM5 per copy. (first request) Bulanan RM12 setiap tahun
Statement Request RM10 per copy. (subsequent request for the same monthly
ePenyata: TIADA Caj
Fee statement) Yuran Permintaan RM5 bagi permintaan pertama.
Overseas Transaction outside Malaysia will be converted to Ringgit Penyata Tambahan RM10 setiap salinan bagi permintaan seterusnya
Transaction Malaysia on the date the transaction is received and/ or untuk penyata bulanan yang sama.
Conversion Fee processed. The exchange rate may differ from the published
Penukaran Mata Urus niaga di luar Malaysia akan ditukarkan kepada Ringgit Malaysia
daily rate due to market fluctuation. The conversion rates is as pada tarikh urus niaga diterima dan/ atau diproses.Kadar tukaran mungkin
Wang Bagi Urus
determined by MasterCard International or VISA International berbeza daripada kadar harian mengikutturun-naik pasaran. Kadar
Niaga Luar Negara
plus a 1% foreign exchange conversion markup (previously tukaran ditentukan oleh MasterCard International atau Visa International
known as administration cost) by AmBank Islamic on the serta tambahan penukaran1% tukaran mata wang asing (dahulunya
converted Ringgit Malaysia amount. dikenali sebagai kos pentadbiran) oleh AmBank Islamic ke atas jumlah
Ringgit Malaysia yang ditukar.
Management Fee Free Period for Retail Transaction Tempoh Tanpa Yuran Pengurusan untuk Transaksi Runcit
20 days from statement date, provided there is no outstanding balance in the credit card 20 hari dari tarikh penyata, dengan syarat tiada baki belum dijelaskan dalam akaun kad kredit (tidak
account (not appplicable to cash advance, Quick Cash and Balance Transfer programme) termasuk Pendahuluan Tunai, Quick Cash dan Program Pindahan Baki)
Notice on Paying Only Minimum Monthly Payment Notis Jika Hanya Membayar Bayaran Minimum Bulanan
Table below illustrates the amount of management fee incurred and the payment period under Jadual dibawah menunjukkan gambaran jumlah yuran pengurusan yang dikenakan dan tempoh
different outstanding balance scenarios if you continue to pay only the minimum amount every pembayaran, bagi senario-senario baki belum jelas yang berbeza jika anda hanya membayar bayaran
month. minimum pada setiap bulan.
Outstanding Balance (RM)/ Baki RM3,000 RM5,000 RM10,000
Belum Jelas (RM)
Repayment/Pembayaran Pay minimum amount/ Pay/Bayar Pay minimum amount/ Pay/Bayar Pay minimum amount/ Pay/Bayar
Bayar Amaun Minimum RM250 Bayar Amaun Minimum RM350 Bayar Amaun Minimum RM600
(RM150) (RM250) (RM500)
Repayment period (Months)/ 4 years/tahun 1 year/tahun 5 years/tahun 1 year/tahun 7 years/tahun 1 year/tahun
Tempoh Pembayaran (Bulan) and/dan and/dan and/dan and/dan and/dan and/dan
7 months/bulan 2 months/ 10 months/bulan 5 months/ 5 months/bulan 8 months/
bulan bulan bulan
Total interest incurred (RM)/ Jumlah RM1,055 RM332 RM1,912 RM669 RM4,055 RM1,593
feadah yang dikenakan (RM)
The illustration is based on the following assumptions:- Ilustrasi di atas adalah berdasarkan andaian berikut:-
1.Cardmember is paying 18% management fee for the entire tenure of the outstanding 1.Ahli Kad hanya dikenakan yuran pengurusan sebanyak 18% sepanjang tempoh pembayaran
balance payment. baki tertunggak.
2.There are no new retail transactions after the first month. 2.Tiada transaksi runcit baru selepas bulan pertama.
3.A 30-day standard is used in the calculation for each month. 3.30 hari digunakan dalam pengiraan setiap bulan.
Note: There is no 20 days management fee free period as the illustration is based on revolving Nota: Tiada tempoh tanpa yuran pengurusan 20 hari kerana ilustrasi adalah berdasarkan baki
balance. The payment due date is 20 days from the statement date and paymentis pusingan.Tarikh matang bayaran adalah 20 hari dari tarikh penyata dan bayaran akan
credited on payment due date. dikreditkan pada tarikh matang bayaran.
Payment Allocation Peruntukan Pembayaran
Payments made by the Cardmember to the Card Account will be used to pay off outstanding Pembayaran yang dibuat oleh Ahli Kad ke Akaun Kad akan digunakan untuk menyelesaikan apa-apa
amounts that attract the highest management fee rate first. jumlah yang tertunggak yang menarik kadar yuran pengurusan yang tertinggi.
Lost / Stolen Card Reporting Laporan Kehilangan/Kecurian Kad
For lost/stolen card, please call our AmBank Contact Centre immediately. Untuk kehilangan/kecurian Kad, sila lapor dengan segera kepada Pusat Panggilan AmBank.
Important Notice: Please secure your card and card PIN at all times. Do not use your birth Notis Penting: Sila lindungi kad dan PIN kad anda setiap masa. Sila elak menggunakan tarikh lahir,
date, identity card, passport, driving license or contact numbers as the PIN. kad pengenalan, passport, lesen memandu atau nombor-nombor hubungan sebagai PIN.
Bank Negara Malaysia - Contact Details Bank Negara Malaysia - Maklumat Talian
For any feedback or complaint, you may also contact BNMTELELINK at 1-300-88-5465 or walk Untuk sebarang maklum balas atau aduan, sila hubungi BNMTELELINK di talian 1 300 88 5465
in to BNMLINK Customer Service Centre (9.00am-5.00pm, Mon-Fri), Ground Floor, Blok D, atau kunjungi Pusat Perkhidmatan Pelanggan BNMLINK (9.00 pagi-5.00 petang, Isnin-Jumaat),Tingkat
Jalan Dato Onn, 50480 Kuala Lumpur or email: bnmtelelink@bnm.gov.my G, Blok D, Jalan Dato Onn, 50480 Kuala Lumpur atau menghantar emel:bnmtelelink@bnm.gov.my
TSLF01102019