CREDIT CARD STATEMENT / PENYATA KAD KREDIT

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Statement Date Payment Due Date

MOHD AMIRUL HAFIZ BIN MOHD YUS Tarikh Penyata Tarikh Akhir Bayaran
No 42,Jalan emas 5
Taman Emas 20 NOV 2022 12 DEC 2022
27200 Kuala Lipis Combined Credit Limit for all CIMB Credit Cards
MY Gabungan Had Kredit bagi semua Kad Kredit CIMB
RM 18,000.00
Avoid RM2 Credit Card Monthly Statement Fee from 1 Jan 2022 onwards,
sign-up for eStatement. For more information, visit
www.cimb.com.my/eStatement

Cards Summary / Ringkasan Kad

Credit Card No. Card Type Card Credit Limit (RM) Statement Balance (RM) Minimum Payment (RM)
No. Kad Kredit Jenis Kad Had Kredit Kad (RM) Baki Penyata (RM) Bayaran Minima (RM)

5521-1540-0875-8835 CASH REBATE PLATINUM MC 18,000.00 112.01CR 0.00

Transaction Details / Transaksi Terperinci

5521-1540-0875-8835 MOHD AMIRUL HAFIZ
Posting Date Transaction Date Transaction Description Amount (RM)
Tarikh Pos Tarikh Transaksi Deskripsi Transaksi Amaun (RM)
PREVIOUS BALANCE 0.00
31 OCT 31 OCT TRANSFER / TOP-UP THANK YOU-CLICKS 0.10 CR
FROM MOHD AMIRUL HAFIZ BIN MOHD
YUSOF
Payment Desc
H
02 NOV 31 OCT SERVICE TAX 25.00
02 NOV 31 OCT PASAR MINI RIA S/B KUALA LIPIS MY 1.40
03 NOV 31 OCT 7-ELEVEN P.P GEMILANG PAHANG MY 5.00
03 NOV 01 NOV SEMANTAN OTOMOBIL S/B JERANTUT MY 272.80
03 NOV 01 NOV SETEL SELANGOR MY 15.00
05 NOV 03 NOV SEMANTAN OTOMOBIL S/B JERANTUT MY 256.60
05 NOV 03 NOV SETEL SELANGOR MY 15.00
04 NOV 04 NOV TRANSFER / TOP-UP THANK YOU-CLICKS 0.02 CR
FROM MOHD AMIRUL HAFIZ BIN MOHD
YUSOF
Payment Desc
Y
CONTINUED ON NEXT PAGE..

CIMB Group has issued a Privacy Notice at all CIMB websites pursuant to the Personal Data Protection Act 2010.
Please call +603 6204 7788 if you have any queries.

WARNING ON PAYING ONLY MINIMUM MONTHLY REPAYMENT / AMARAN JIKA

PEMBAYARAN MINIMA BULANAN SAHAJA
If you made only the minimum repayment each period, you will pay more in interest and
it will take you longer to pay off your outstanding balance. Please refer to the back page
for more information. Alternatively, you may also refer to the credit card calculator
available on our website www.cimb.com.my or banking info website
www.bankinginfo.com.my.
Jika anda hanya membayar bayaran minima bulanan, anda akan membayar lebih jumlah
faedah kena bayar dan tempoh yang diambil untuk menjelaskan keseluruhan baki belum
jelas anda akan bertambah. Sila rujuk kepada muka surat belakang untuk maklumat
lanjut. Selain itu, anda juga boleh menggunakan kalkulator kad kredit di laman web kami
www.cimb.com.my atau laman web maklumat perbankan www.bankinginfo.com.my.
For Lost / Stolen Card Reporting, Notification of Error or Disputes on Card Statement, Change of Contact Details, Enquiries or Complaints /
Untuk Laporan Kad Hilang / Dicuri, Pemberitahuan mengenai Kesilapan atau Pertikaian mengenai Penyata Kad, Penukaran Maklumat Hubungan,
Pertanyaan atau Aduan: Contact / Hubungi CIMB Customer Resolution Unit (CRU), P.O. Box 10338, GPO Kuala Lumpur 50710 Wilayah
Persekutuan; Tel: 03-6204 7788; Fax: 03-2381 7198; E-mail: cru@cimb.com; Website: www.cimb.com.my
 Page / Mukasurat : 2 of.. 3

Transaction Details / Transaksi Terperinci

XXXX-XXXX-XXXX-8835 PRINCIPAL
Posting Date Transaction Date Transaction Description Amount (RM)
Tarikh Pos Tarikh Transaksi Deskripsi Transaksi Amaun (RM)
04 NOV 04 NOV TRANSFER / TOP-UP THANK YOU-CLICKS 1.00 CR
FROM MOHD AMIRUL HAFIZ BIN MOHD
YUSOF
Payment Desc
Yui
06 NOV 04 NOV SETEL SELANGOR MY 20.00
05 NOV 05 NOV DUITNOW TO ACCOUNT 1.00 CR
FROM MOHD AMIRUL HAFIZ BIN MOH
Cc duit
05 NOV 05 NOV DUITNOW TO ACCOUNT 5.00 CR
FROM MOHD AMIRUL HAFIZ BIN MOH
Hhhhh
07 NOV 05 NOV ANZ SUPERMART KUALA KRAI MY 21.70
07 NOV 05 NOV SETEL SELANGOR MY 20.00
08 NOV 06 NOV PHR-GUA MUSANG 20221 GUA MUSANG MY 83.50
08 NOV 06 NOV SETEL SELANGOR MY 10.00
07 NOV 07 NOV TRANSFER / TOP-UP THANK YOU-CLICKS 720.00 CR
FROM MOHD AMIRUL HAFIZ BIN MOHD
YUSOF
Payment Desc
Cc
10 NOV 08 NOV SETEL SELANGOR MY 10.00
11 NOV 09 NOV SETEL SELANGOR MY 4.00
10 NOV 10 NOV DUITNOW TO ACCOUNT 18.50 CR
FROM MOHD AMIRUL HAFIZ BIN MOHD YUSOF
Telur
12 NOV 10 NOV PASAR MINI RIA S/B KUALA LIPIS MY 45.20
12 NOV 10 NOV PASAR MINI RIA S/B KUALA LIPIS MY 8.95
12 NOV 10 NOV SETEL SELANGOR MY 50.00
10 NOV 10 NOV PAY TO JomPAY KUALA LIPIS MY 177.00
BC-25007 MAJLIS DAERAH LIPIS
9BAW37CL
T06000913500
11 NOV 11 NOV TRANSFER / TOP-UP THANK YOU-CLICKS 311.00 CR
FROM MOHD AMIRUL HAFIZ BIN MOHD
YUSOF
Payment Desc
Hhh
13 NOV 11 NOV BIG PHARMACY-KLPS KUALA LIPIS MY 17.00
14 NOV 12 NOV PAHANG PHARMACY SDN BH PAHANG. MY 70.00
14 NOV 12 NOV PASAR MINI RIA S/B KUALA LIPIS MY 6.55
14 NOV 12 NOV KOPKAYA MART KUALA LIPIS MY 3.00
CONTINUED ON NEXT PAGE..

ON-GOING PROMOTION

For Lost / Stolen Card Reporting, Notification of Error or Disputes on Card Statement, Change of Contact Details, Enquiries or Complaints /
Untuk Laporan Kad Hilang / Dicuri, Pemberitahuan mengenai Kesilapan atau Pertikaian mengenai Penyata Kad, Penukaran Maklumat Hubungan,
Pertanyaan atau Aduan: Contact / Hubungi CIMB Customer Resolution Unit (CRU), P.O. Box 10338, GPO Kuala Lumpur 50710 Wilayah
Persekutuan; Tel: 03-6204 7788; Fax: 03-2381 7198; E-mail: cru@cimb.com; Website: www.cimb.com.my
 Page / Mukasurat : 3 of.. 3

Transaction Details / Transaksi Terperinci

XXXX-XXXX-XXXX-8835 PRINCIPAL
Posting Date Transaction Date Transaction Description Amount (RM)
Tarikh Pos Tarikh Transaksi Deskripsi Transaksi Amaun (RM)
16 NOV 14 NOV PASAR MINI RIA S/B KUALA LIPIS MY 10.15
17 NOV 15 NOV PASAR MINI RIA S/B KUALA LIPIS MY 1.30
17 NOV 15 NOV SETEL SELANGOR MY 50.00
16 NOV 16 NOV TRANSFER / TOP-UP THANK YOU-CLICKS 416.00 CR
FROM MOHD AMIRUL HAFIZ BIN MOHD
YUSOF
Payment Desc
Ggg
16 NOV 16 NOV TRANSFER / TOP-UP THANK YOU-CLICKS 135.53 CR
FROM MOHD AMIRUL HAFIZ BIN MOHD
YUSOF
Payment Desc
Yyyy
18 NOV 16 NOV MR DIY (M)-JPK KUALA LIPIS MY 43.00
16 NOV 16 NOV PAY TO JomPAY KUALA LUMPUR MY 93.00
BC-8888 TELEKOM MALAYSIA BERHAD
9BG699RC
1055752982
16 NOV 16 NOV PRUDENTIAL96439412 - R KUALA LUM MY 143.00
16 NOV 16 NOV PAY TO JomPAY KUALA LUMPUR MY 8.00
BC-68502 INDAH WATER KONSORTIUM SDN
BHD
9BGSV4A7
85535144
16 NOV 16 NOV PRUDENTIAL96437186 - R KUALA LUM MY 122.00
17 NOV 17 NOV TRANSFER / TOP-UP THANK YOU-CLICKS 35.40 CR
FROM MOHD AMIRUL HAFIZ BIN MOHD
YUSOF
TRANSFER / TOP-UP TH
watson mama
19 NOV 17 NOV WATSON'S KUALA LIPIS ( PAHANG MY 35.40
19 NOV 17 NOV PASAR MINI RIA S/B KUALA LIPIS MY 4.90
20 NOV 20 NOV TRANSFER / TOP-UP THANK YOU-CLICKS 8.91 CR
FROM MOHD AMIRUL HAFIZ BIN MOHD
YUSOF
TRANSFER / TOP-UP TH
Oat
20 NOV 20 NOV TRANSFER / TOP-UP THANK YOU-CLICKS 113.00 CR
FROM MOHD AMIRUL HAFIZ BIN MOHD
YUSOF
Payment Desc
Watson ma + mcd
20 NOV 20 NOV SMO BOOKSTORES-JERANTUT JERANTUT MY 5.00
STATEMENT BALANCE 112.01 CR

ON-GOING PROMOTION

For Lost / Stolen Card Reporting, Notification of Error or Disputes on Card Statement, Change of Contact Details, Enquiries or Complaints /
Untuk Laporan Kad Hilang / Dicuri, Pemberitahuan mengenai Kesilapan atau Pertikaian mengenai Penyata Kad, Penukaran Maklumat Hubungan,
Pertanyaan atau Aduan: Contact / Hubungi CIMB Customer Resolution Unit (CRU), P.O. Box 10338, GPO Kuala Lumpur 50710 Wilayah
Persekutuan; Tel: 03-6204 7788; Fax: 03-2381 7198; E-mail: cru@cimb.com; Website: www.cimb.com.my
IMPORTANT INFORMATION / MAKLUMAT PENTING
1. Payment Procedure // Prosedur Bayaran
Electronic Payment // CIMB Clicks Direct Debit // Arahan Debit Langsung Interbank GIRO Auto Teller Machines // Mesin
Pembayaran Elektronik www.cimbclicks.com.my Saving/Current account // Akaun Simpanan/Semasa Juruwang Automatik (ATM)
Non Electronic Cash // Tunai Cheque // Cek
Payment // Bukan Cash Deposit Machine // Cheque Deposit Machine // Mesin Deposit Cek (CQM)
Pembayaran Elektronik Mesin Deposit Tunai (CDM) Note: Cheque payable to CIMB Bank Card Centre for (your full name as NRIC). Please indicate telephone
number, amount paid and card account number on the reverse of the cheque // Cek hendaklah dibayar atas
nama CIMB Bank Card Centre untuk (nama penuh anda seperti di K.P). Tuliskan nombor telefon, jumlah
bayaran dan nombor akaun kad di muka belakang cek
2. Payment Allocation Statement // Penyata Peruntukan Bayaran
Payment made to the Bank in respect of items appearing in the Statement will be applied to settle those balances attracting the highest interest first. // Bayaran yang
dibuat kepada Bank untuk butir-butir yang tercatat pada Penyata akan digunakan untuk menyelesaikan baki yang dikenakan faedah tertinggi dahulu.
3. Fees & Charges // Yuran & Caj
Finance charge for retail transaction // Caj kewangan untuk transaksi runcit - (a) 1.25% per month or 15% per annum if you have promptly settled minimum payment due
for 12 consecutive months. (b) 1.42% per month or 17% per annum if you have promptly settled minimum payment due for at least 10 months in a 12 months cycle. (c)
1.50% per month or 18% per annum if payment record is not within either (a) or (b) above. // (a) 1.25% sebulan atau 15% setahun jika anda telah menjelaskan bayaran
minimum yang kena dibayar tepat pada masanya untuk tempoh 12 bulan berturut-turut. (b) 1.42% sebulan atau 17% setahun jika anda telah menjelaskan bayaran
minimum tepat pada masanya untuk tempoh sekurang-kurangnya 10 bulan dalam kitaran 12 bulan.(c) 1.50% sebulan atau 18% setahun jika rekod pembayaran tidak
termasuk dalam (a) atau (b) di atas.
Finance charge for cash transaction // Caj Kewangan untuk urus niaga tunai - 1.5% per month or 18% per annum calculated on daily rest basis from transaction date to
the date it is settled in full. // 1.5% sebulan atau 18% setahun dan dikira atas dasar kiraan atas baki harian dari tarikh urus niaga hingga penjelasan penuh.
Cash advance fee // Yuran pendahuluan tunai - 5% of the amount advanced or a minimum of RM15.00 whichever is higher for each cash advance transaction. // 5%
daripada jumlah pendahuluan atau minimum RM15.00 yang mana lebih tinggi bagi setiap transaksi pendahuluan tunai.
Overlimit charge // Caj Terlebih Had - Not applicable. // Tidak berkenaan.
Replacement card // Penggantian kad - RM10.00 for first time. // untuk kali pertama. RM50.00 for every subsequent replacement. // untuk setiap gantian seterusnya.
Late payment charge // Caj pembayaran lewat - 1% on the unpaid balance arising from retail transactions and cash advance, subject to a minimum of RM10 and a
maximum of RM100 // 1% ke atas baki yang tidak dibayar timbul dari transaksi runcit dan pendahuluan tunai, tertakluk kepada jumlah minimum RM10 dan maksimum
RM100.
Request for card statement // Permintaan untuk penyata kad - RM5.00 per monthly statement. // untuk setiap penyata bulanan.
Request for sales draft // Permintaan draf jualan - RM14.15 per copy. // untuk setiap salinan.
PLUS / CIRRUS ATM Withdrawal / account enquiry // Pengeluaran / Pertanyaan akaun - RM2.00 each. // setiap satu.
Conversion for overseas transaction // Pertukaran bagi urus niaga luar negara - The conversion rate as determined by Mastercard International or VISA International
plus an administration cost of 1%* plus any transaction fee charged by Mastercard or VISA. // Kadar pertukaran adalah tertakluk kepada ketetapan Mastercard
International atau VISA International dengan kos pentadbiran sebanyak 1%* termasuk yuran transaksi yang dikenakan oleh Mastercard atau VISA.
Dynamic Currency Conversion (DCC) is a service offered by certain overseas merchants to provide a choice to pay in Ringgit Malaysia (including online purchases) for
oversea purchase. // Pertukaran Mata Wang Dinamik (DCC) adalah servis yang ditawarkan oleh peniaga luar negara tertentu untuk memberi pilihan untuk membayar
dalam Ringgit Malaysia (termasuk pembelian atas talian) untuk pembelian luar negara.
* Not applicable to CIMB Travel World Elite Credit Card. // Tidak berkenaan bagi Kad Kredit CIMB Travel World Elite.
Service Tax // Cukai Perkhidmatan - Service Tax of RM25 will be imposed on each new principal and supplementary credit card upon activation and annual renewal of
the principal and supplementary credit card. // Cukai Perkhidmatan sebanyak RM25 akan dikenakan ke atas pengaktifan kad kredit utama dan tambahan baru dan
setiap bulan ulang tahun kad kredit utama dan tambahan.
Paper Statement Fee // Yuran Penyata Kertas - RM2 for each monthly credit card paper statement. // untuk setiap penyata kertas kad kredit bulanan.
4. Finance Charges Free Period For Retail Transactions // Tempoh Percuma Caj Kewangan Bagi Transaksi Runcit
For retail transactions - 20 calendar days from the statement date, if you pay the balance in full and on time. If you do not pay in full and on time, finance charges on
retail transactions will be calculated from the posting date of the transaction. The interest free period is not applicable to balance transfer or cash advances.// Bagi
transaksi runcit 20 hari kalendar dari tarikh penyata, jika anda membayar baki sepenuhnya dan tepat pada masanya. Sekiranya anda tidak membayar sepenuhnya
dan tepat pada masanya, caj kewangan ke atas transaksi runcit akan dikira dari tarikh pengeposan transaksi. Tempoh tanpa faedah tidak berlaku untuk pemindahan
baki atau pendahuluan tunai.
5. Finance Charge // Caj Kewangan
Computation of finance charges are based on the formula f = (B) x (P/D) x (R); F = Sum(f). Where F = total finance charges imposed for the month and Sum(f) = sum of
all the finance charges computed on the different Balance that may be imposed with finance charges over the applicable interest bearing periods during the month. f =
finance charges for a particular balance. computed over the period of days. B = Balance that is imposed with finance charges. P = respective interest bearing
period in days on which the Balance is imposed with finance charges. D = number of days used as the base for the annual rate. R = applicable finance charges
annual rate stated. // Pengiraan caj kewangan adalah berdasarkan formula f = (B) x (P/D) x (R); F = Jumlah(f). Di mana F = jumlah caj kewangan yang dikenakan untuk
bulan tersebut dan Jumlah(f) = jumlah kesemua caj kewangan yang dikira pada Baki yang berlainan yang boleh dikenakan dengan caj kewangan ke atas
tempoh-tempoh berfaedah yang terpakai dalam bulan tersebut. f = caj kewangan untuk baki tertentu. "B" dikira ke atas tempoh "P" hari. B = Baki yang dikenakan
dengan caj kewangan. P = tempoh berfaedah masing-masing dalam kiraan hari yang mana Baki "B" dikenakan dengan caj kewangan. D = bilangan hari yang digunakan
sebagai asas untuk kadar tahunan. R = kadar tahunan caj kewangan yang terpakai yang dinyatakan.
6. Finance charge for balance transfer // Caj kewangan bagi pemindahan baki
Calculated based on the amount transferred at a predetermined rate on daily basis for a fixed tenure. Any outstanding balance of the amount transferred not paid in full
within the tenure will be subject to finance charges of 1.5% per month or 18% per annum calculated on a daily basis. // Dikira berdasarkan jumlah yang dipindahkan
pada kadar yang ditetapkan pada setiap hari untuk tempoh tetap. Sebarang baki tertunggak jumlah yang dipindahkan yang tidak dibayar sepenuhnya dalam tempoh
masa akan tertakluk kepada caj kewangan sebanyak 1.5% sebulan atau 18% setahun yang dikira setiap hari.
7. Notice On Paying Only Minimum Monthly Repayment // Notis Sekiranya Pelanggan Membuat Bayaran Minimum Bulanan Sahaja
The following table illustrates the amount of finance charge 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 a finance charges of 18% per annum provided there are no
new transactions. This calculation is based on 30 day month. // Jadual di bawah menggambarkan jumlah caj kewangan yang ditanggung dan tempoh pembayaran balik
bagi senario baki belum jelas yang berbeza jika anda hanya membuat bayaran minimum secara berterusan. Pengiraan adalah berasaskan bayaran minimum 5% atau
RM50,yang mana lebih tinggi, dengan caj kewangan 18% setahun bagi sesuatu tempoh selagi tiada transaksi baru. Kiraan ini berdasarkan tempoh 30 hari sebulan.
Outstanding balance / Baki belum jelas (RM) 3,000 5,000 10,000
Repayment / Pembayaran Pay min only/ Pay/Bayar Pay min only/ Pay/Bayar Pay min only/ Pay/Bayar
*in 1st month/bulan pertama **every month/setiap bulan Bayar min sahaja RM250** Bayar min sahaja RM350** Bayar min sahaja RM600**
(RM150*) (RM250*) (RM500*)
Repayment period (Months) / Tempoh pembayaran (Bulan) 55 14 69 17 88 20
Total interest incurred / Jumlah faedah yang dikenakan (RM) RM1,055 RM333 RM1,912 RM670 RM4,055 RM1,594
Total amount to be settled / Jumlah amaun perlu dibayar (RM) RM4,055 RM3,333 RM6,912 RM5,670 RM14,055 RM11,594
8. Liability for unauthorized transactions // Liabiliti untuk urus niaga yang tidak dibenarkan
You will be liable for unauthorised transactions which require PIN or signature verification or unauthorised transactions using a contactless card, if you have: (i) acted
fraudulently; or (ii) delayed in notifying the Bank as soon as reasonably practicable after having discovered the loss or unauthorised use of the card; or (iii) voluntarily
disclosed your PIN to another person; or (iv) recorded the PIN on the card, or on anything kept in close proximity with your card. // Anda akan bertanggungan untuk
transaksi tidak diberikuasa yang memerlukan pengesahan PIN atau tandangan, atau transaksi tidak diberikuasa menggunakan kad tanpa sentuhan, sekiranya anda: (i)
melakukan penipuan; atau (ii) lewat dalam memberitahu Bank dengan seberapa segera yang munasabah setelah mendapati bahawa kad anda telah hilang atau
transaksi yang tidak diberikuasa telah dilaksanakan; atau (iii) secara sukarela mendedahkan PIN anda kepada orang lain; atau (iv) merekodkan PIN pada kad kredit,
atau pada apa-apa yang disimpan berdekatan dengan kad. Tips on Fraud Prevention - Always treat your card like cash and allow anyone else to use your card. //

9. If you are not satisfied with the resolution offered // Jika anda tidak berpuas hati dengan penyelesaian yang diberikan : You can approach // Anda boleh
menghubungi Bank Negara Malaysia at/di Tel No. 1-300-88-5465 or/atau fax/faks 03-21741515 or/atau email/emel bnmtelelink@bnm.gov.my.