To all CIMB Bank Gold Investment Account via CIMB Clicks (hereinafter referred to as "GIA via CIMB Clicks") customers,

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1 Notice (Date of Notification: 9 November 2015) To all CIMB Bank Gold Investment Account via CIMB Clicks (hereinafter referred to as "GIA via CIMB Clicks") customers, We wish to inform you that the below Clauses have been amended/ incorporated into and shall form part of the terms and conditions of the CIMB Bank Gold Investment Account via CIMB Clicks Agreement and the same which shall read as follows shall take effect 21 days from date of Notification. 2. ACCOUNT OPENING 2.3 I acknowledge that the GIA via CIMB Clicks shall be governed by and subject to the terms and conditions set out in this Agreement, in the Designated Affiliate Account, the Bank's standard forms provided via CIMB Clicks, the Bank's Terms of Access governing your use of CIMB Clicks and CIMB Clicks Internet Banking Agreement ("the terms and conditions") as amended, varied and/or reviewed from time to time by the Bank upon giving twenty one (21) calendar days prior notice. In the event of any conflict or discrepancy between any of the terms and conditions, the terms and conditions herein shall prevail and be deemed as binding on me. 3. DECLARATION 3.4 I agree that the Bank shall not have any responsibility or liability whatsoever to me for any depletion or diminution in the value of the gold purchased under the GIA via CIMB Clicks and for any other losses, damages, cost or expenses incurred or suffered by me including but not limited to the incurrence of any tax (including but not limited to goods and services tax ( GST )) and/or other levy with respect to the establishment, issuance or operation of the GIA via CIMB Clicks or in respect of the sale or purchase or the physical delivery of the gold held in connection therewith. 4. PURCHASE OF GOLD 4.3 Purchase of gold at CIMB Bank branch: The Bank may from time to time sell to me gold pursuant to my purchase order(s) in accordance with the provisions of this Agreement. Each purchase order shall be in such form as prescribed by the Bank and shall only be accepted by the Bank if placed by me on a business day ( business day in this Agreement shall mean the normal business hours on a calendar day when the Bank shall be open to the public to conduct banking business as defined in the Financial Services Act (FSA) 2013). Upon the acceptance of my written instruction to purchase gold, the Bank shall record in the GIA via CIMB Clicks, the quantity of gold purchased in grams, the price of gold purchased in Ringgit Malaysia equivalent, the price of gold per gram in Ringgit Malaysia and the balance of gold (in grams) at the time of my purchase instruction When making a purchase at CIMB Bank branch, the duly completed and executed form or document(s) prescribed by the Bank shall be presented to the Bank.

2 5. MINIMUM INITIAL PURCHASE AND SUBSEQUENT PURCHASE 5.1 I hereby acknowledge that I am to make an initial purchase ("initial purchase") of not less than 1 gram of gold or such other minimum quantity of gold as may be determined by the Bank from time to time at its absolute discretion without assigning any reasons thereto (after fourteen (14) calendar days prior notice is given to you by the Bank). 6. PURCHASE PRICE 6.1 The price per gram at which each purchase is made by me shall be the selling price in Ringgit Malaysia (RM) per gram as quoted by the Bank to me at the time of the placement of the purchase order depending on whether the purchase was made via CIMB Clicks or at Bank s branch. The selling price so quoted shall be determined by the Bank at the Bank's sole and absolute discretion taking into account all factors it deems relevant, including the prevailing world and local market conditions for gold, the exchange rate between United States Dollar (or any other foreign currency adopted) and Ringgit Malaysia and the gold fineness. 6.2 A purchase via CIMB Clicks must be made during the Transaction Hours and or during a business day at Bank s branch in such format or form as prescribed by the Bank and the instructions contained therein shall be strictly observed. 7. SALE OF GOLD 7.3 Sale of gold at CIMB Bank branch: I acknowledge and agree that my instruction to the Bank on a business day, to sell the gold in the GIA via CIMB Clicks by completing the form or document(s) as prescribed by the Bank may be subject to such requirements of the Bank and/or subject to the prevailing practice of the Bank, and/or subject to proof of my/our identity as the Bank may require. Upon each sale, the Bank shall record in the GIA via CIMB Clicks, the quantity of gold sold by me in grams, the price of gold sold in Ringgit Malaysia equivalent, the price of gold sold per gram in Ringgit Malaysia, and the balance of gold (in grams) if any in the GIA via CIMB Clicks When making a sale, the duly completed and executed form or document(s) prescribed by the Bank shall be presented to the Bank I shall ensure that any sale instruction shall be limited to the actual quantity of gold in the GIA. In the event that there is insufficient gold in the GIA, the Bank shall be at liberty to refuse to effect my sale instruction. 7.4 Subject to Clause 18.1, I shall ensure that any sale by me of the gold in the GIA via CIMB Clicks shall not breach the Bank's requirement of the maintenance in the GIA via CIMB Clicks at all times of a minimum balance of gold of one (1) gram or such other minimum balance of gold which may be determined by the Bank from time to time (after fourteen (14) calendar days prior notice is given to you by the Bank).

3 8. EXECUTION OF ORDER FOR SALE 8.1 Sale of gold via CIMB Clicks: My instruction to sell made via CIMB Clicks shall be irrevocable once received by the Bank and shall be regarded by the Bank as conclusive evidence as to the number of grams of gold to be sold by me. This Agreement together with the instruction to sell made by me via CIMB Clicks shall be deemed as conclusive and binding on me. 8.2 Sale of gold at CIMB Bank branch: The due execution by me of an instruction to sell shall be irrevocable once received by the Bank and the contents of the detail completed on such form or document(s) prescribed by the Bank shall be conclusive evidence as to the number of grams of gold to be sold. This Agreement together with the duly executed instruction to sell shall be conclusive and binding in respect of such sale of gold at CIMB Bank branch. 9. MINIMUM QUANTITY OF SALE 9.1 My written sale instruction and sale instruction electronically transmitted shall be irrevocable and shall be for:- (a) not less than ONE (1) gram of gold (of such other minimum quantity as may be determined by the Bank from time to time); and (b) quantities in whole multiples of ONE (1) gram of gold (or such other multiples as determined by the Bank from time to time). 10. SALE PRICE 10.1 Each sale of the gold by me to the Bank in the GIA via CIMB Clicks shall be at the buying price in Ringgit Malaysia (RM) per gram as quoted by the Bank to me at the time of such transaction depending on whether the sale was made via CIMB Clicks or at Bank s branch. The buying price so quoted shall be determined by the Bank at its sole and absolute discretion taking into account all factors it deems relevant, including the prevailing world and local market conditions for gold, the exchange rate between United States Dollar (or any other foreign currency adopted) and Ringgit Malaysia and the gold fineness. 11. PROCEEDS OF SALE 11.1 The proceeds of any sale of gold shall be paid to me in Ringgit Malaysia on the same business day as the execution of the order for sale by way of direct credit into my Designated Affiliate Account Withdrawal of proceeds of any sale of gold from the GIA via CIMB Clicks may be made by me at any of the Bank's branches. However withdrawal of proceeds of any sale of gold at a branch other than the branch at which the GIA is opened is subject to a maximum limit of Ringgit Malaysia Fifty Thousand (RM50,000-00) only per day or such other limit that the Bank may prescribe from time to time upon giving fourteen (14) calendar days prior notice. 13. REQUEST FOR PHYSICAL GOLD 13.1 Request for the withdrawal of any physical gold from the GIA via CIMB Clicks, if any, shall be made by me via CIMB Clicks during the Transaction Hours and or at the branch where the Designated Affiliate Account was opened. Each withdrawal shall be subject to a minimum quantity of 100 grams and in multiples of 100 grams or such other minimum quantity as may be determined by the Bank from time to

4 time (after fourteen (14) calendar days prior notice is given to you by the Bank) and subject to the payment of the prevailing service charges and taxes (including but not limited to GST) To effect any withdrawal of the physical gold via CIMB Clicks, I shall irrevocably request the Bank to withdraw the gold standing to the credit of the GIA via CIMB Clicks by completing the electronic request form as prescribed by the Bank. Thereupon, the Bank will issue via CIMB Clicks a 'Collect Physical Gold Acknowledgement' document ("the e-receipt") to me as an acknowledgement of the Bank's receipt of my irrevocable request for withdrawal of physical gold from the GIA via CIMB Clicks subject to the Bank first having received from me the required prevailing fees & charges (inclusive insurance and transportation charges) for the delivery of the physical gold to the Bank s designate branch and other charges including GST, or any other taxes, if applicable To effect any withdrawal of the physical gold at the branch where the Designated Affiliate Account was opened, I shall irrevocably request the Bank to withdraw the gold standing to the credit of the GIA via CIMB Clicks by completing the Bank s prescribed form and tendering the same to the Bank. Thereupon, the Bank will issue a Request For Withdrawal Of Physical Gold Receipt ( the Receipt ) to me as an acknowledgement of the Bank s receipt of my irrevocable request for withdrawal of physical gold from the GIA via CIMB Clicks subject to the Bank first having received from me the required prevailing fees & charges (inclusive insurance and transportation charges) for the delivery of the physical gold to the Bank s designate branch and other charges including GST, or any other taxes, if applicable There shall be a waiting period of up to four (4) weeks, or such other period as the Bank may determine from time to time (after fourteen (14) calendar days prior notice is given to you by the Bank) from the date of the Bank's issuance of the e-receipt or Receipt, as the case may be, before the Bank issues a notice to me for the collection of the physical gold. Upon receipt of notification from the Bank to collect the physical gold, I shall then present the e-receipt or Receipt for collection of the physical gold at the branch or place designated by the Bank. Request for withdrawal of physical gold and the collection of the physical gold may be subject to such other requirements of the Bank and/or subject to the prevailing practice of the Bank, and/or subject to such proof of my identity as the Bank may require In the event that I fail and/or neglect to be present at the Bank's designated branch by the collection date, the Bank shall be at liberty and is deemed hereby to have been irrevocably authorized by me to sell the physical gold so withdrawn after the collection date without any prior notice to me and I shall be liable for the applicable insurance charges and transportation costs and any other charges including but not limited to GST, or any other taxes, if applicable, incurred in the sale of the physical gold (hereinafter referred to as "the charges for the sale of physical gold"). 14. CUSTOMER'S ACKNOWLEDGEMENT I shall be responsible for all taxes (including but not limited to GST) or levies payable on the GIA via CIMB Clicks or for the gold purchased and/or sold under the GIA via CIMB Clicks I shall ensure compliance at all times with the prevailing provisions under the Notices on Foreign Exchange Administration Rules issued by Bank Negara Malaysia and any other relevant notices issued pursuant to the Financial Services Act 2013 and any amendments thereto and any other applicable Malaysian laws and regulations.

5 16. INDEMNITY AND LIMITATION OF LIABILITY 16.1 The Bank shall not be responsible for and I hereby agree and undertake to indemnify and keep indemnified the Bank and hold the Bank harmless against all losses, costs, and expenses which may be incurred by me or the Bank, including but not limited to the incurrence of any tax (including without limitation to GST) and/or other levy with respect to the establishment, issuance or operation of the GIA via CIMB Clicks or in respect of the Bank s execution of any instructions for the sale or purchase or the physical delivery of gold held in connection therewith (notwithstanding such instructions may be fraudulent or unauthorised) unless they arise from and are caused directly by the Bank s gross negligence or willful default. 17 CLOSURE OF GIA VIA CIMB CLICKS 17.2 I acknowledge and agree that the GIA via CIMB Clicks can be closed only by me requesting for the closure in person at the Bank's branch. Valid passport/mykad/death certificate must be presented for closure of the GIA via CIMB Clicks. I shall comply with all the Bank's prevailing requirements, for the closure of the GIA via CIMB Clicks stated herein and/or which may be prescribed by the Bank from time to time (after fourteen (14) calendar days prior notice is given to you by the Bank). 18 BANK CHARGES 18.3 The Bank is authorized to debit my Designated Affiliate Account for the annual service fee of Ringgit Malaysia Five (RM5) or such other amount as the Bank may determine from time to time (after fourteen (14) calendar days prior notice is given to you by the Bank), which service fee is payable on the first day and the first month of the following calendar year i.e. 1st January if the gold balance in the GIA via CIMB Clicks as at 31 December is below 5 grams or such other minimum quantity of gold that the Bank may prescribe from time to time (after fourteen (14) calendar days prior notice is given to you by the Bank). 19 RIGHT TO COMBINE ACCOUNTS AND SET-OFF 19.1 In addition to any general lien or similar rights to which the Bank may be entitled by law, the Bank shall be at liberty and is hereby authorized and empowered at any time without notice to me, to combine and consolidate all or any of my account(s) (including but not limited to any overdraft, loan, current, savings, fixed deposit and GIA via CIMB Clicks accounts) maintained with the Bank now or hereafter and/or set-off and/or transfer any monies, rights, interests and/or liabilities owing by me to the Bank in or under any one or more of such accounts, in or towards satisfaction of any liabilities owing by me to the Bank on any other account or accounts, or in any other respect including all taxes (including but not limited to GST) and any other sums due and owing to the Bank, whether such liabilities to the Bank are actual, contingent, primary, collateral, several, joint or in other currencies. 22. DISCLOSURE 22.4 Further, where the Bank intends to share my information (excluding information relating to my affairs or account) with third parties for strategic alliances, marketing and promotional purposes, the Bank shall ensure that consent from you has been obtained. Where I have given consent for the disclosure of my information to third parties for marketing, promotional and strategic alliances purposes, I hereby further agree that all marketing, promotional materials and any other documents relating to the same may be sent to me via: Post, , Short messaging system (SMS) or Telephone as "choice of notification

6 22.5 I hereby agree and expressly authorise and invite the Bank s employees, independent contractor, representatives and/or agents to contact me from time to time through personal visits or oral communication effected via any means of communication including but not limited to telephone calls regarding any promotion Not in derogation of the foregoing and based on my existing mailing address(es), address (es), telephone number(s) and or any of my other contact particulars deposited or recorded with the Bank, the Bank is hereby irrevocably authorized (but not obliged) to contact and/or notify me by post and or electronic mail and or telephone and or short messaging service (SMS) and or courier service and or any other mode of communication selected by the Bank at its sole discretion. Information or notification so sent by the Bank shall comprise of such information or notification which the Bank deems appropriate or necessary and may include but not limited to any information in relation the GIA via CIMB Clicks and or any information relating to any services, benefits, promotions, programmes of the Bank and or of any other party held jointly or in conjunction with the Bank. 27. INTERPRETATION 27.3 In the event of any inconsistency, conflict, ambiguity or discrepancy between the English text or any other version of the terms and conditions of this Agreement, the English version shall prevail. Notwithstanding the aforementioned where request is made by me and acknowledged by the Bank in its records that the Bahasa Malaysia version of the terms and conditions shall govern the operation of the GIA via CIMB Clicks, then the Bahasa Malaysia version of the terms and conditions of this Agreement shall prevail. 28. CHANGE OF TERMS AND CONDITIONS 28.1 I hereby agree that the Bank reserves the right at any time and from time to time upon giving twenty one (21) calendar days prior notice to add, amend, delete, vary or modify any of the terms and conditions contained in this Agreement, in the Designated Affiliate Account, the Bank's standard forms provided via CIMB Clicks, the Bank's Terms of Access governing your use of CIMB Clicks and the CIMB Clicks Internet Banking Agreement. Any such variations, additions, deletions, modification or amendments ("the Amendment") shall be binding on me and be deemed to be brought to my attention by its display at the Bank or notice being sent by the Bank to my last known address or advertised in one newspaper of the Bank's choice, or via the Bank's CIMB Clicks website, or SMS to my mobile number in the Bank's record or electronic mail to my address in the Bank's record or by any other means of notification which the Bank may select and the Amendment shall be deemed binding on me as from the date of notification of the Amendment or from such other date as may be specified by the Bank in the notification. 30. COMPLAINTS HANDLING 30.1 In the event of complaint relating to this Agreement, a note may be lodged with the respective CIMB centre or branch at which the GIA via CIMB Clicks is maintained. Should the explanation or resolution provided by the CIMB Centre or branch not be satisfactory, the Bank's Customer Resolution Unit bearing the following address, address, telephone and facsimile numbers (or bearing such other address, address, telephone and facsimile numbers which the Bank may change by notification) may be contacted: Customer Resolution Unit, Level 19, Menara Bumiputera Commerce, No 11, Jalan Raja Laut, Kuala Lumpur address: cru@cimb.com Tel: /Fax:

7 Please do not hesitate to call our customer care hotline at or us at should you have any queries. Thank You. The Management CIMB Bank Berhad

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