AEON Member Plus Visa Card

AEON Member Plus Visa Card General Information The issuance of the AEON Member Plus Visa Card (hereinafter referred to as “the Card”) by AEON Credit Service (M) Bhd (hereinafter referred to as “AEON Credit”) to the individual who is the holder of the Card (“Cardholder”) and the use of the Card by the Cardholder shall be subject to the following terms made known to the Cardholder at the time of application for and/or at the time of delivery of the Card. These terms shall be binding on the Cardholder immediately upon acknowledgement of the receipt and/or use of the Card by the Cardholder. 1.AEON MEMBER PLUS VISA CARD ACCOUNT 1.1. The Card is issued and facilitated by AEON Credit and is integrated with the AEON Member Plus Visa Card Program. The Prepaid Card facility on the Card is granted by AEON Credit and can be used for purchase of goods and/or services from any Visa International Authorised Merchants and withdrawal of Cash from any AEON Credit or Visa Plus Authorised Cash Withdrawal Machines (ATM). 2. AEON POINTS PROGRAMME 2.1 POINT EARNINGS a) AEON Credit shall reward the Cardholder with Two (2) AEON Points for every One Ringgit Malaysia (RM1.00) payment at any AEON Stores, AEON MaxValu, AEON MaxValu Prime, AEON Wellness and AEON BiG Hypermarkets when the Card is presented as member recognition AND used to perform a transaction except for the purchase of the following:- Gift Vouchers, cigarettes, telephone cards, mobile phone prepaid cards and stamps; Purchases from The Egg House, Eneos, DAISO by AEON and AEON tenants’ outlets; Delivery Charges, Repair & Service Charges; and Stamp Duty & Easy Payment; and Sales and Services Tax (“SST”) b) In the event that Cardholder uses AEON Points for member recognition function only and make payment by using payment mode other than AEON Member Plus Visa Card, AEON Credit shall only reward the Cardholder with One (1) AEON Point for every One Ringgit Malaysia (RM1.00) spent at AEON Stores, AEON MaxValu, AEON MaxValu Prime, AEON Wellness and AEON BiG Hypermarkets. c) AEON Credit shall reward the Cardholder with One (1) AEON Point for every Ringgit Malaysia One (RM1.00) spent overseas when the Card is used to perform a transaction. d) AEON Points will be rewarded based on rounding down to the nearest ringgit except for amount with decimal RM0.98 and RM0.99: Customer spend RM12.97- transaction amount eligible for rewards points will be RM12 Customer spend RM12.98- transaction amount eligible for rewards points will be RM13 e) AEON Points will be credited into Cardholder’s account within 48 hours after the transaction is completed. 2.2 POINT ENQUIRY Cardholder may enquire on the updated AEON Point amount via the following channels: a) Visit any AEON Credit Service Counter; or b) AEON wallet; or c) AEON Credit Website at www.aeoncredit.com.my; or d) Any other channels which will be made available from time to time. 2.3 POINT REDEMPTION a)The AEON Points rewarded by AEON Credit shall be accumulated in the Cardholder’s Prepaid Card Account and to be converted to cash value into the Card. b) Cardholder may choose for Automatic Conversion which the total number of AEON Points will be converted to cash automatically on monthly basis or perform manual redemption via www.aeoncredit.com.my/ AEON Wallet or any other medium which will be made available from time to time. c) For manual redemption, Cardholder may redeem AEON Points starting from a minimum of Two Hundred (200) AEON Points and subsequently with denomination of Two Hundred (200) AEON Points (equivalent to RM1 Cash Back) per request. d) The Cardholder will not be entitled to the AEON Credit’s rewards & redemption program. 2.4 POINT VALIDITY a) The AEON Points will expire after Three (3) years from the year that it is earned.Example: AEON Points earned from August 2017 to December 2017 are considered as AEON Points earned in year 2017 and therefore expire on 31st December 2020. b) Any dispute regarding the AEON Points and services must be directed to AEON Credit Customer Service Centre within Seven (7) days from the said dispute 3. ADDITIONAL BENEFITS AT AEON STORES, AEON MAXVALU, AEON MAXVALU PRIME, AEON WELLNESS AND AEON BIG HYPERMARKETS 3.1.Special Priced Items in AEON Stores, AEON MaxValu, AEON MaxValu Prime, AEON Wellness and AEON BiG Hypermarket. Cardholder may be entitled to enjoy special priced items offered by AEON Stores, AEON MaxValu, AEON MaxValu Prime, AEON Wellness and AEON BiG Hypermarkets provided that the Card shall be valid during the time of purchase and has not been cancelled by AEON Credit for any reason whatsoever. 3.2. Exclusive Invites Cardholder may be entitled to obtain Exclusive Member Day Invites, attractive offers, benefits and privileges from AEON Stores, AEON MaxValu, AEON MaxValu Prime, AEON Wellness and AEON BiG Hypermarkets and AEON Credit may from time to time notify the cardholder provided that the Card shall be valid during the time of purchase and has not been cancelled by AEON Credit for any reason whatsoever. 4. CHARGES, BREACH AND TERMINATION 4.1 AEON Credit shall immediately terminate the Card at any time (as it in AEON Credit’s absolute discretion deems fit) or in the event that there is any abuse of the Card, failure to comply with these AEON Member Plus Visa Card General Information, fraud or misinterpretation of any information in connection with the Card. The Card and all related benefits are offered at the sole discretion of AEON Credit. 4.2 AEON Credit reserves the right to vary, modify, change, add, delete, cancel, suspend or terminate any of the features of the AEON Member Plus Visa Card rewards (including but not limited to reduction in the Card Features) and to vary, add or delete any of these AEON Member Plus Visa Card features at any time at its absolute discretion by giving Cardholder twenty one (21) calendar days’ notice via AEON website or any other channel that deems appropriate. 4.3 Such termination or suspension by AEON Credit of the Card feature does not entitle the Cardholder to any claim or compensation against AEON Credit for any losses or damages incurred by the Cardholder as a result of the act of termination or suspension. 5. GENERAL INFORMATION 5.1 Any notice, communication, summary or other Card materials which AEON Credit send to the Cardholder in connection with the Card and/or these AEON Member Plus Visa Card General Information will be updated into AEON Credit website. 5.2 AEON Credit is not the manufacturer or supplier of any product provided by any participating merchant. AEON Credit is not responsible for, and your rights and obligations as a Cardholder and will not be affected by, any offer, advertisement, representation or other statement made by any other person, including participating merchants; and they and their products/brands/services will be held harmless from any action or dispute arising from the operation of the Card. 5.3 AEON Credit is the final authority as to the interpretation of these AEON Member Plus Visa Card General Information and as to any other questions or disputes regarding the Membership. AEON Credit will not be taken to have waived any of its rights when not obliged to do so under these AEON Member Plus Visa Card General Information. 5.4 Participating merchant do not have any authority, express or implied, to make any representation, warranty or statement on behalf of AEON Credit. 5.5 By reading this AEON Member Plus Visa Card General Information, Cardholder is agreed to access to AEON Credit website at www.aeoncredit.com.my at regular time to view the AEON Member Plus Visa Card General Information. This is to ensure that they are kept-up with any changes or variations made to the AEON Member Plus Visa Card General Information and seek clarification from our Customer Service for further clarification.

This is an AEON Group’s member card come with Prepaid Visa Card that you can use as a membercard to earn points based on your purchase OR earn higher points if you use this card to make payment in AEON Stores, AEON BiG Hypermarkets, AEON Wellness, AEON MaxValu Prime and AEON MaxValu with spending limited to the cash value you deposited in the Card.

Applicant must be at least 15 years of age and there is no minimum income requirement. However, for applicant between the age of 15 to 17 years of age, the consent and NRIC/Passport of the applicant’s parent or legal guardian must be present during Card application and collection. Bring along your NRIC (Mykad) or Passport for foreign applicant.

No. The Card is automatically activated when the Card is issued to you.

This Card can be used both locally and globally where Visa Card is accepted including online purchases. With effect from 1st June 2015, AEON Prepaid Card cardholders are only allowed to make domestic and 3D Secure (Online transaction with one time passcode/OTP authentication) transactions in order to safeguard and promote the card security features. In contrast, all Overseas and Non-3D Secure Card Not Present (inclusive of mail order and telephone order) transactions will be disabled by default. AEON Prepaid Card Cardholders may request to activate Overseas and/or Non-3D Card Not Present transactions by contacting us via Tel: 603-2719 9999, Fax: 603-7863 7898, E-mail: customer.service@aeoncredit.com.my or log on to www.aeoncredit.com.my. However, during application of AEON Member Plus Visa Card, customer may choose to opt-in for this option.

Existing AEON Prepaid MasterCard is a normal payment tool where as AEON Member Plus Visa Card comes with new enhanced features for shopping convenience in AEON Stores, AEON BiG Hypermarkets, AEON MaxValu, AEON MaxValu Prime and AEON Wellness leveraging on some of the existing AEON Member and AEON BiG Member benefits and other privileges from participating Merchants to be notified from time to time.

It is more convenient as you do not need to hold 2 Cards, you can experience a faster checkout process at cashier with payWave, there is no usage of cash & coins and you will earn 2x the AEON Points as compared to cash payment. You will still continue to enjoy some of the AEON Member and AEON BIG Member benefits such as special member priced items and many more.

Failure to deduct the annual fee due to insufficient balance will result in Cardholder’s AEON Points Programme being suspended until the Annual Fee has been fully deducted.

To provide convenience to our customers, your annual fee will be deducted from your Card balance on the card anniversary date. An SMS will be send to you one (1) month prior to the expiry to remind you to top up sufficient balance in the card for the deduction, otherwise your Member function will be temporarily put on hold. AEON Points will be automatically used to redeem the annual fee in full or partially. The system will be configured to deduct from cash balance first. If the cash balance is insufficient, system will deduct the shortfall amount by way of redeeming AEON Points equivalent to the shortfall amount in denomination of RM1 (200 AEON Points).

You will be rewarded with 2x AEON Points for shopping at AEON Stores, AEON BiG Hypermarkets, AEON MaxValu, AEON MaxValu Prime and AEON Wellness. Just present your valid AEON Member Plus Visa Card before scanning your purchase items and use it as a payment tool instead of cash. For every Ringgit spent, you will be entitled to two (2) AEON points.

You will also be rewarded with 1x AEON Point for every RM1 that you spend in overseas.

No, you do not need to cancel AEON Member Card. It will be ceased if you did not renew your membership after date of expiry.

Cardholder with existing AEON Member Card or AEON BiG Member Card may redeem the AEON Member Points or AEON BiG Member Points before it expired.

You can opt for automatic monthly conversion or manual redemption setting. Your total number of AEON Points will be converted into cash value and credited into your Card Account automatically based on monthly statement if you choose automatic monthly conversion. For manual redemption setting, you may initiate the redemption by logging into our website or AEON Wallet. AEON Points redemption is in denomination of every 200 AEON Points (RM1).

Your AEON Point is valid for three (3) years from the year the AEON Points have been accumulated. E.g. AEON Points earned from September 2016 to December 2016 is considered AEON Points earned in year 2016 and will therefore expire on 31st December 2019. You can track your AEON point expiry in your monthly statement through our website.

We provide the convenience to top-up at the AEON Stores, AEON BiG Hypermarkets, AEON MaxValu, AEON MaxValu Prime and AEON Wellness cashier counters, AEON Wallet and Cash Deposit Machines in AEON Credit branches.

No. We do not offer Supplementary Cards. Every AEON Member Plus Visa Card is an individual card by itself for customer convenience and benefits.

Just present your Card to the outlets where Visa Cards are accepted. This Card comes with Visa payWave function whereby you only need to ‘wave’ at the Visa payWave acceptance terminal if the transaction amount is lesser than RM250 or it can be inserted into a Card acceptance terminal just like a normal credit card transaction.

In Malaysia, you can use your Visa payWave-enabled card for purchases of up to RM250 per transaction. No signature or PIN is required. However, for transaction more than RM250, you will need to key in your 6-digit PIN for verification.

No. Visa payWave is designed to accept only one transaction per card at a time. As a safeguard, each transaction must be either completed or voided before another one can take place.

No. Visa payWave is designed to ensure that the Cardholder is always in control. The retailer must first have entered the purchase amount for approval and your card has to be held in very close proximity to the card reader (within 4cm) in order for a transaction to take place. Terminals can only process one payment transaction at a time

Yes, to promote Cardholders confidence in using the contactless function, effective from 13th November 2016, we are providing: i. Facility to turn-off the contactless functionality. ii. Facility to set a lower cumulative contactless transaction limit. Default cumulative contactless transaction limit is set at RM400. For amounts exceeding RM400, the PIN is required. Both facilities above can be changed by log on to www.aeoncredit.com.my. Steps to turn-off contactless functionality / set a lower cumulative contactless transaction limit: 1.Login to www.aeoncredit.com.my 2.Under “My Account”, go to “Account Information” 3.Follow the instructions stated in the website

AEON MEMBER PLUS VISA CARD TERMS AND CONDITION AEON MEMBER PLUS VISA CARD AGREEMENT IMPORTANT Please read very carefully the terms and conditions herein and only use our AEON Credit Service (M) Berhad – AEON Member Plus Visa Card if you are agreeable to the terms and conditions herein. These terms & conditions apply to AEON Member Plus Visa Card. By using your Card, you shall be deemed to have accepted the terms and conditions herein and shall be bound by them. GENERAL In consideration of AEON Credit Service (M) Berhad (Company No. 412767 - V) (hereinafter called “AEON Credit”) agreeing to make available the AEON Member Plus Visa Card (hereinafter referred to as “the Card”) to any registered individual who is authorized to use the Card (hereinafter referred as “the Cardholder”), the Cardholder hereby agrees to be bound by the following terms and conditions: 1. DEFINITIONS 1.1. In this Agreement where the context so admits, the following terms and conditions shall have the meaning designated unless the context otherwise requires: AEON Credit Means AEON CREDIT SERVICE (M) BHD. of Level 18, UOA Tower, Avenue 10, The Vertical, Bangsar South City, No. 8, Jalan Kerinchi, 59200 Kuala Lumpur; AEON Points Means the loyalty points collected in the AEON Member Plus Visa Card issued by AEON Credit; Annual Fee Means the fee specified by AEON Credit from time to time, charged by AEON Credit and payable by the Cardholder to AEON Credit upon issuance of the Card and annually from the month of issuance; ATMs Means AEON Credit’s automated teller machines or any automated teller machines which display the Visa and Plus logos, including cash deposit machines; Business Days Means any day (excluding Saturdays, Sundays and Public Holidays) on which AEON Credit is open for business; Card Means the AEON Member Plus Prepaid Card issued by AEON Credit; Cardholder Means the individual who is the holder of the Card duly issued by AEON Credit in accordance to this Agreement; Cardholder’s Prepaid Card Account Means the AEON Member Plus Visa Card account to be opened and maintained by the Cardholder for the issuance and use of the Card and from which cash withdrawals or payment for any purchase of goods and/or services by the Cardholder are to be deducted or debited; Minor Cardholder under the age between Fifteen (15) to eighteen (18) years old. Merchants Means the retailer, or any other person, firm or corporation that agrees to accept the Card and have agreed to provide goods and/or services to the Cardholder of a value up to the available balance of the Prepayment in the Cardholder’s Prepaid Card Account upon production of the Card by the Cardholder and upon the terms and conditions herein; EDC Terminal Means the Electronic Data Capture terminal for payment card processing; Online/E-Statement Means the statement setting out the transactions history accessible by the Cardholder from AEON Credit’s website; PIN Means a Personal Identification Number that is either assigned to, or selected by the Cardholder to prove they are the rightful owner of the AEON Member Plus Visa Card; PIN & PAY Means a Personal Identification Number that is either assigned to, or selected by the Cardholder to prove they are the rightful owner of the AEON Member Plus Visa Card; Prepayment Means the top - up amount or further reload amount of not more than the specified amount deposited by the Cardholder into the Cardholder’s Prepaid Card Account for withdrawal of funds or the purchase of goods and/or services from the Merchants up to the value paid in accordance to the terms and conditions herein and the expression “Prepayment” shall be construed accordingly; Stored Value Means any amount remaining in the Cardholder’s Prepaid Card account that is available for transactions using the Card; Stored Value Currency Means currency in Ringgit Malaysia or any other currency that might be recognised from time to time; Visa PayWave Reader Means a point – of - sale device at which a Visa Card may be used to execute card transactions, either by tapping the Card against the reader or by waving the Card on a contactless basis over or against such secure reader, without requiring any signature. 2. EVIDENCE OF AGREEMENT 2.1. The Cardholder’s digital acceptance on the offer page in AEON Credit’s Website - form constitutes the Cardholder’s agreement to the terms and conditions herein governing the usage of the Card. 3. APPLICATION AND ACTIVATION OF THE CARD 3.1. Cardholder must be in the age of fifteen (15) years and above. 3.2. Without prejudice to AEON Credit’s rights as stated above, AEON Credit reserves the right not to accept the registration of the Card if bankruptcy proceedings have been instituted against the Cardholder or the Cardholder is currently an undischarged bankrupt. 3.3. The Cardholder hereby agrees that AEON Credit shall not in any manner whatsoever be held responsible for any loss incurred and/or damage suffered by the Cardholder as a result of AEON Credit’s failure to activate the Card. 3.4. The Cardholder shall inform AEON Credit of any changes in the particulars or Cardholder may login to AEON Credit’s website. 3.5. The Cardholder further agrees that upon issuance of the Card at sole discretion of AEON Credit, activation of the Card by AEON Credit shall constitute AEON Credit’s acceptance of the Cardholder’s application. 3.6. The Cardholder will sign the Card immediately upon the Cardholder’s receipt of the Card from AEON Credit. 4. USE OF THE CARD 4.1. The Cardholder may use the Card at any of AEON Credit’s ATMs and at any ATMs which display the Visa and Plus logos for the withdrawal of cash from the Cardholder’s Account or, as a payment card for point of sale transactions where the Cardholder may purchase goods or services from merchants and debit the purchase from the Cardholder’s Prepaid Card Account. 5. USE OF ATM FACILITY 5.1. AEON Credit may impose a service charge of Ringgit Malaysia Ten (RM10.00) only or at such other rate as AEON Credit may in its absolute discretion prescribe from time to time for each and every time the Cardholder makes a cash withdrawal at any ATMs which display the Visa and Plus logos except AEON Credit’s ATMs and AEON Credit is irrevocably authorised by the Cardholder to debit such service charge from the Cardholder’s Prepaid Card Account. Cardholder is subjected to an additional withdrawal fee of one per centum (1%) on cash withdrawal value made outside Malaysia. 5.2. Any cash withdrawals from the Cardholder’s Prepaid Card Account effected through the use of the Card at any of AEON Credit’s ATMs or at ATMs which display the Visa and Plus logos shall be subjected to the daily withdrawal limit of Ringgit Malaysia Four Thousand Five Hundred (RM4,500) per day and Ringgit Malaysia One Thousand Five Hundred (RM1,500) per withdrawal or to the Stored Value of the Prepayment in the Cardholder’s Prepaid Card Account, whichever is lower, and shall be subjected to verification by AEON Credit. The amount so verified by AEON Credit shall be deemed to be the correct amount of the withdrawal so affected. 5.3. The Cardholder hereby agrees and undertakes to ensure that the Cardholder’s Prepaid Card Account has sufficient funds to meet withdrawals or purchases made by the Cardholder. AEON Credit reserves the right to close the Cardholder’s Prepaid Card Account without notice to the Cardholder if the Cardholder fails to maintain or operate such account to the satisfaction of AEON Credit. 5.4. The amount of the Prepayment in the Cardholder’s Prepaid Card Account shall automatically be reduced by the value of any cash withdrawal or the purchases including the service charge or whatsoever fee (if relevant) payable each and every time the Cardholder makes a withdrawal at the ATMs or purchases goods and/or services at the merchants or via online purchases by use of the Card and the current available balance of the Prepayment shall be determined by deducting the aggregate of the total value of the purchases or withdrawal made with the Card and all fees and charges payable pursuant to the Card from the total value of the Prepayment made from the time the Card is issued. 5.5. Unless otherwise provided herein, the Cardholder shall in all circumstances accept full responsibility for all transactions processed by the use of the Card, whether or not processed with the Cardholder’s knowledge, acquiescence or authority. AEON Credit shall not be liable if any intended purchase transactions of the Cardholder through the production of the Card by the Cardholder at any merchants at any time are not successfully conducted for any reasons whatsoever. 5.6. AEON Credit shall not be responsible for any goods and/or services purchased or received through the production of the Card by the Cardholder or through online purchases and supplied by the merchants and makes no warranty whether express or implied by operation or law or otherwise as to the merchantability, fitness for purpose or otherwise of any goods which is supplied by the merchants. 6. TRANSACTION WITH MERCHANTS 6.1. AEON Credit shall be entitled to disclose to any merchant to whom the Card may be presented or any member institution of VISA International, the Cardholder’s Account number and any other information which may be necessary to facilitate the use of the Card or the processing of any transaction effected or to be effected through the use of the Card, in accordance with the Personal Data Protection Act 2010, and other relevant personal data and privacy rules and regulations. 6.2. Without prejudice to Clause 6.1 hereof, AEON Credit shall not be responsible for the refusal of any merchant or member institution of VISA International to honour or accept the Card or for any defect or deficiency in the goods or services supplied to the Cardholder by any merchant. Any complaint by the Cardholder must be resolved directly with the merchant or member institution of VISA International concerned and no claim against the merchant or member institution of VISA International shall entitle the Cardholder to set off for counterclaim against AEON Credit or to withhold payment to AEON Credit on account of any such complaint or under any circumstances whatsoever. 7. PIN AND USE OF THE CARD WHERE APPLICABLE 7.1. AEON Credit will provide a Temporary PIN to the Cardholder via PIN Mailer upon collection of the welcome kit with Card. 7.2. The Cardholder, upon receipt of the Temporary PIN shall change the Temporary PIN at any of AEON Credit ATMs or the Cardholder may perform the PIN change during collection of the Card. 7.3. Alternatively, the Cardholder may log - in to AEON Credit website and follow the instruction on the PIN changes option. 7.4. If the Cardholder has forgotten his or her PIN, AEON Credit will issue the Cardholder with a new Temporary PIN upon the Cardholder’s request. 7.5. For security reasons, the Cardholder is advised to change PIN at regular intervals (e.g. every Two (2) years). 7.6. In the event of lost or stolen Card as reported by the Cardholder, whereby AEON Credit agrees to issue the Cardholder with a new Card, a Temporary PIN for the new Card will also be issued. The Cardholder is not able to use the existing PIN with a replacement Card. 8. PIN & PAY CARDHOLDER SAFETY TIPS 8.1. The Cardholder must take all reasonable precautions to prevent the Card and the Card number, the PIN, the password, any internet password and internet Identity number or any other security details for the Card or Account (the Card Security Details) from being misused or being used to commit fraud. These precautions include: · Sign the Card as soon as it is received and comply with any security instructions; · Destroy any notification of the PIN and of any Card security details; · Do not allow another person to view your PIN when you enter it into your account or point – of - sale device or display your PIN by any means to any person to avoid any unauthorized Use; · Do not tamper with the Card; · Regularly check that you still have your Card; · Ensure that the transaction amount is correct before you sign any vouchers or transaction records given to you by merchants or financial institutions, or when tapping your Card at a Contactless Terminal and before you enter your PIN at Electronic Banking Terminals; · Keep Card receipts securely and dispose of them carefully; · Remember to retrieve your Card after you use it; and · Contact us immediately at 03-2719 9999 about any suspicious matter or problem regarding the use of the Card at the respective terminal. 9. CARD IS THE PROPERTY OF AEON CREDIT 9.1. The Card is and shall at all times remain the property of AEON Credit and shall be surrendered to AEON Credit immediately upon request by AEON Credit or its duly authorised agent. 9.2. Upon the expiry of the Card, the Cardholder shall immediately surrender the expired Card to AEON Credit and request for the issuance of a new Card which shall be entirely at the absolute discretion of AEON Credit whether to do so. 10. CARDHOLDERS’ RESPONSIBILITIES The Cardholder shall: (a) abide by the terms and conditions for the use of the Card; (b) take reasonable steps to keep the Card, PIN and security details secure at all times, including at the Cardholder's place of residence. These include not: (i) disclosing the Card details or PIN to any other person (including persons in apparent authority, family members or spouse); (ii) writing down the PIN or security details on the Card, or on anything kept in close proximity with the Card; (iii) Using a PIN selected from the Cardholder's birth date, identity card, passport, driving license or contact numbers; and (iv) allowing any other person to have or use the Card and PIN. (c) notify AEON Credit as soon as reasonably practicable after having discovered that the Card is lost, stolen, an unauthorised transaction had occurred or the PIN may have been compromised; (d) notify AEON Credit immediately upon receiving short message service (SMS) transaction alert if the transaction was unauthorised; (e) notify AEON Credit immediately of any change in the Cardholder's contact number; (f) use the Card responsibly, including not using the Card for unlawful activity; and (g) check the account statement and report any discrepancy without undue delay. 11. DISCLOSURE OF PIN, OR LOSS, THEFT OR UNAUTHORISED USE OF CARD 11.1. The disclosure of the PIN to any unauthorised person, or loss, theft or unauthorised use of the Card shall immediately be reported by phone call or fax to AEON Credit, followed by a written letter to AEON Credit. The Cardholder shall also immediately lodge a detailed and accurate police report upon the occurrence of such event and deliver a copy of the relevant police report to AEON Credit promptly and in any case no later than seven (7) days from the happening of such event unless the Cardholder is overseas. Upon receipt by AEON Credit of a verbal or written notice, an investigation will be carried out. Cardholders who are not satisfied with the investigation report, may seek redress for disputes against AEON Credit and Cardholders can refer eligible disputes to Ombudsman for Financial Services (OFS). Further information on eligible disputes covered by the financial ombudsman scheme and procedures for bringing a dispute to the financial ombudsman scheme is available on the Ombudsman for Financial Services’ website at www.ofs.org.my 11.2. Subject to Clause 14, until and unless a verbal or written notice of loss or theft of the Card from the Cardholder in accordance with Clause 11.1 has been received by AEON Credit, the Cardholder shall remain liable for all the charges incurred prior thereto whether or not use of the Card was authorized by the Cardholder. 11.3. Although AEON Credit is under no obligation to issue a replacement card, AEON Credit may do so subject to payment of such fee as may be prescribed by AEON Credit. 11.4. Any replacement Card will be subject to a card replacement fee of Ringgit Malaysia Twelve (RM12.00) deducted from the Cardholder’s Prepaid Card Account Stored Value or such other rate as AEON Credit may prescribe at its absolute discretion. The remaining balance from the previous card may be transferred to the replaced Card unless the Card is cancelled. 11.5. Upon receipt of written notification from the Cardholder of such loss or theft or misuse of the Card, AEON Credit shall refund in any manner it deems fit to the Cardholder the Prepayment or any part of it unused or remaining thereof in the Cardholder’s Account less all monies due from the Cardholder to AEON Credit under the terms of this Agreement and AEON Credit shall not be liable to pay any interest on the Prepayment or the amount remaining in the Cardholder’s Account to the Cardholder. 12. DISPUTES 12.1. All disputes arising from the Cardholder’s Statement shall be made or notified to AEON Credit within fourteen (14) days from the date of the Statement to the Customer Care Centre as set out in Clause 24.3 herein, followed by submission of the relevant form on disputed transaction(s), duly completed. Notwithstanding anything herein to the contrary, the Cardholder shall be deemed to have conclusively accepted all charges on the Statement if the same are not disputed within the said period of fourteen (14) days. 12.2. In the event that the Cardholder disputes any transactions pursuant to Clause 12.1 hereof, AEON Credit may in its absolute discretion conduct any investigation(s) regarding the disputed transaction(s)wherein the following shall apply: 12.3. If AEON Credit’s investigation(s) reveal or indicate that the Cardholder is liable for any of the disputed transaction(s),AEON Credit shall be entitled to levy the following charges: · sales draft retrieval fee of Ringgit Malaysia Fifteen (RM15.00) or any other amount which AEON Credit may determine from time to time; and · no sale draft retrieval fee shall be levied in the event that the investigation(s) reveal that the Cardholder is no t liable for any of the disputed transaction(s). 12.4. AEON Credit’s findings in any investigation conducted in relation to the Credit Card Account shall be conclusive, final and binding on the Cardholder 13. CARD SHALL NOT BE USED FOR UNLAWFUL ACTIVITIES 13.1. The Card shall not be used for any unlawful activities such as illegal online banking, betting or gambling. 13.2. AEON Credit shall immediately terminate the prepaid card facility if the Cardholder is found to have used the prepaid card for an unlawful activity. 13.3. The Card is not transferable and AEON Credit shall not, in any circumstances be liable for any unauthorised or unlawful purchase transaction or withdrawal of cash through the use or production of the Card by any unauthorised person. AEON Credit is not under any obligation to verify the identity or the authority of any person using the Card and AEON Credit shall not be liable for acting in good faith for honoring the purchase transaction or withdrawal of cash which are performed by the authorised or unauthorised person through the use or production of the Card, regardless of the circumstances prevailing at the time when such purchase transaction or cash withdrawal is being carried out. All purchase transactions or cash withdrawals shall be deemed by AEON Credit to have been made by the Cardholder and the Cardholder shall be liable for all charges whatsoever and howsoever arising from these purchase transactions or cash withdrawals, subject to prevailing regulations. 13.4. The merchant who provides the goods and/or services shall also not be held liable for the unauthorised or unlawful purchase transaction through the use or production of the Card and shall be entitled to deal with the holder of the Card and shall be under no obligation to verify the identity of the holder PROVIDED THAT the Merchant shall not honor the Card if the Merchant has been notified by AEON Credit not to honor such Card. 13.5. The terms and conditions and the availability of the Card shall, where applicable, be subject to Anti - Money Laundering, Anti - Terrorism. Financing and Proceeds of Unlawful Activities Act 2001 (“AMLATFPUAA”) and all rules, regulations and guidelines of Bank Negara Malaysia and any other relevant bodies irrespective such rules, regulations and guidelines do not have the force of law. AEON Credit may at its own discretion delay, block or refuse to make a transaction if AEON Credit believes on reasonable grounds that making the transaction may breach any of the laws of Malaysia or any other country and AEON Credit will incur no liability to the Cardholder if AEON Credit does so. The Cardholder agrees to release AEON Credit from all liability and to indemnify and hold AEON Credit harmless from any loss or damage that the Cardholder may suffer as a consequence. 13.6. The Cardholder shall ensure that the transactions to be effected using the Card(s) and monies or funds to be used for “top - up”/ reload of the Card(s) are neither obtained from any unlawful source nor relate to any unlawful activities as specified under AMLATFPUAA. 13.7. The Cardholder acknowledges that AEON Credit may have to act promptly and on limited information if there is suspicion of fraud, money laundering or other illegal activity. 14. LIABILITY FOR UNAUTHORISED TRANSACTION Without prejudice to the rights of AEON Credit herein and notwithstanding that the Cardholder may have exercised all reasonable precautions and diligence to prevent the loss or theft of the Card and reported the loss or theft in accordance with Clause 11.1 hereof, the Cardholder shall remain liable to pay to AEON Credit in the following circumstances: 14.1. Cardholder shall be liable for PIN - based unauthorised transactions if Cardholder has: (i) acted fraudulently; or (ii) delayed in notifying AEON Credit as soon as reasonably practicable in accordance to Clause 11.1 after having discovered the loss or unauthorised use of the Card; or (iii) voluntarily disclosed his/her PIN to another person, or recorded the PIN on the Card, or on anything kept in close proximity with the Card. 14.2. Cardholder shall be liable for any unauthorised transactions which require signature verification, PIN verification or with a contactless card, if Cardholder has: (i) acted fraudulently; or (ii) delayed in notifying AEON Credit as soon as reasonably practicable in accordance to Clause 11.1 after having discovered the loss or unauthorised use of the Card;or (iii) left the Card or item containing the Card unattended in places visible and accessible to other; or (iv) voluntarily allowed another person to use the Card. 15. DEFECTIVE CARD In the event that the chip or the magnetic strip on the Card is faulty or damaged or defective at any time: (i) and through no fault of the Cardholder, AEON Credit may replace the Card free of charge; (ii) due to the fault of the Cardholder, AEON Credit may at the request of the Cardholder replace the Card for a fee of Ringgit Malaysia Twelve (RM12.00) per Card or such other rate as maybe prescribed by AEON Credit from time to time, and which sum shall be debited to Cardholders’ Prepaid Card Account. 16. CONCLUSIVE EVIDENCE 16.1. The Cardholder may check with AEON Credit customer service, AEON Credit website or alternatively from AEON Credit’s ATMs that display the Visa and PLUS logos the Stored Value of the Prepayment in the Cardholder’s Prepaid Card Account at any time and from time to time. However, the amounts reflected on the ATM screen against the Cardholder’s Prepaid Card Account shall not for any purpose whatsoever be taken as a conclusive Stored Value statement of the Cardholder’s Prepaid Card Account with AEON Credit as it shall not include Prepayment to the Cardholder’s Prepaid Card Account which have not been verified by AEON Credit. 16.2. The Cardholder may access Cardholder’s AEON Member Plus Visa Card Account statement online (“e - statement”) free of charge via AEON Credit’s website by logging into Cardholder’s account with their username and password. 16.3. The Online Statement will provide transactions history including fees and charges for the past Twelve (12) months, except for transactions not yet processed by AEON Credit. 16.4. The Cardholder shall inform AEON Credit of any errors within Fourteen (14) days from the date Transactions are posted to the Online Statement failing which the Cardholder shall be deemed to have accepted the entries contained in the Online Statement as correct and as final and conclusive evidence of the facts contained therein and binding on the Cardholder and the Cardholder shall thereafter be precluded from making any claims against AEON Credit by alleging that its said statement contains error, discrepancy or inaccuracy. 16.5. The Cardholder may request AEON Credit for a printed statement of account detailing the purchase transactions for the Card up to a period of Three (3) months and AEON Credit shall be entitled to charge a fee of Ringgit Malaysia Five (RM5.00) only per statement or at such other rate as may be prescribed by AEON Credit from time to time and such fee may be debited by AEON Credit directly from the Stored Value of the Prepayment in the Cardholder’s Prepaid Card Account. All information contained in such statements issued by AEON Credit shall be deemed to be accurate, conclusive and binding on the Cardholder unless the Cardholder notifies AEON Credit otherwise in writing within Fourteen (14) Business Days of the date of receipt of such statements. For avoidance of doubt, such statement of account shall be deemed to have been duly received by the Cardholder within 48 hours from the date of posting. 16.6. The Cardholder may request for copies of the sales draft subject always to their availability and AEON Credit shall be entitled to charge a fee of Ringgit Malaysia Fifteen (RM15.00) only per sales draft or at such other fee as AEON Credit shall in its absolute discretion prescribe, for each copy and such fee may be debited by AEON Credit directly from the Stored Value of the Prepayment in the Cardholder’s Prepaid Card Account. 16.7. Cardholder may request AEON Credit to courier printed statement of account or sales draft within Malaysia only and AEON Credit shall be entitled to charge a postage fee deducted directly from the Stored Value of the Prepayment in the Cardholder’s Prepaid Card Account. 17. AEON CREDIT’S RIGHTS TO CHARGE FEES AND/OR CHARGES 17.1. Immediately upon a demand being made by AEON Credit, the Cardholder shall pay AEON Credit the following: (i) Annual fee of Ringgit Malaysia Twelve (RM12.00) upon issuance of the Card and annually from the month of issuance; (ii) Withdrawal fee upon cash withdrawal by the Cardholder through Visa PLUS Network; (iii) Card replacement fee upon Card replacement requested by the Cardholder; (iv) Sales draft retrieval fee for dispute raised but found to be invalid; (v) Hardcopy statement fee upon hardcopy statement requested by the Cardholder; 17.2. All fees paid pursuant to or in connection with the Card are non-refundable under any circumstances whatsoever. 17.3. All fees, rates, taxes or charges may be varied at any time and from time to time at the sole and absolute discretion of AEON Credit by giving the Cardholder a twenty-one (21) calendar days’ notice in advance. 17.4. In consideration of next annual fee payment, the Cardholder expressly agree for AEON Credit to make deduction from the Card balance and/or AEON Points balance. The Cardholder must ensure that sufficient balance is in the Card to cover for annual fee. AEON Points balance will be deducted automatically in full or in partial for the annual fee payment if there is insufficient balance available in the Card. Failure obligation to make annual fee payment to AEON Credit, the member function in the Card shall be temporarily disabled. 18. PREPAYMENT AND TOP-UP 18.1. Prepayment which is subject to the card limit of Ringgit Malaysia Ten Thousand (RM10,000) or Ringgit Malaysia One Thousand Five Hundred (RM1,500.00) (whichever applicable) less any current balance may be made or deposited by the Cardholder into the Cardholder’s Prepaid Card Account via: (i) cash deposit machines maintained at any of AEON Credit branches, free of charge; or (ii) cash deposit machines or online banking maintained by other banks, subject to service charge ranging from Ringgit Malaysia Fifty Cents (RM0.50) to Ringgit Malaysia One and Fifty Cent (RM1.50) imposed by the other banks; or (iii) AEON Wallet (iv) other channels which will be made available from time to time. 18.2. Prepayment made other than via AEON Credit’s channel as stated in Clause 18.1 above shall be subjected to a service charge based on the rate depending on the agent, shall be charged on the Cardholder for each and every reload of the Prepayment into the Cardholder’s Prepaid Card Account and such fee may be debited directly from the Stored Value of the Prepayment in the Cardholder’s Prepaid Card Account or surcharge on top of the reload amount. 18.3. Top up by the Cardholder shall not be considered to have been made until the relevant top up has been received for value by AEON Credit. 18.4. The Cardholder hereby agrees that neither refund nor cancellation is allowed once prepayment is made into the Cardholder’s Prepaid Card Account. 18.5. The maximum Stored Value that the Cardholder may credit to the Card is Ringgit Malaysia Ten Thousand (RM10,000), Ringgit Malaysia One Thousand Five Hundred (RM1,500.00) for Minor or any amount as may be determined by AEON Credit. Nevertheless if as a result of any error or other circumstances, AEON Credit’s system permits the Cardholder’s Stored Value to exceed Ringgit Malaysia Ten Thousand (RM10,000), Ringgit Malaysia One Thousand Five Hundred (RM1,500.00) for Minor or any amount as may be determined by AEON Credit, AEON Credit will notify the Cardholder of such excess and require the Cardholder to fully utilize such excess within Fourteen (14)days from the date of AEON Credit’s notification. Cardholder may request AEON Credit to refund the excess Stored Value and AEON Credit shall perform the refund through interbank fund transfer to the Cardholder. Cardholder who does not have local bank account for refund via bank transfer, as well as account holder who are un-contactable to obtain bank supporting document within 30 days for prepaid card from the cancellation, and Cardholder who refuse to provide bank supporting document may request for cheque issuance from any AEON Credit branches or request AEON Credit to post the cheque to Cardholder’s registered address. 18.6. Without prejudice to any of the provisions of this Agreement, the Cardholder agrees not to hold AEON Credit liable at any time in the event it is unable to perform its obligations under this Agreement due (directly or indirectly) to the failure of any machine, data processing system or transmission link or industrial dispute or any factor beyond AEON Credit’s control. 19. CARD TERMINATION BY CARDHOLDER 19.1. The Cardholder may at any time after acceptance and/or usage of the Card, terminate the use of the Card by notifying or a written notice to AEON Credit at the Customer Care Centre as set out in Clause 24.3 herein or nearest branch of AEON Credit. Upon termination of the use of the Card, the Cardholder shall cut the Card, cut across the magnetic stripe and across the chip. Upon AEON Credit’s receipt of notice from the Cardholder, AEON Credit shall immediately cancel the usage of the Card and may refund in any manner it deems fit the balance of the Prepayment in the Cardholder’s Prepaid Card Account to the Cardholder after deducting all monies due from the Cardholder to AEON Credit under the terms of this agreement and AEON Credit shall not be liable to pay any interest on the Prepayment or the amount remaining in the Cardholder’s Prepaid Card Account to the Cardholder within Thirty (30) Calendar Days. 19.2. Subject to Clause 19.3 below, the Card shall be valid for a period of Four (4) years from the date of the card embossed or until such time as the Card is cancelled by AEON Credit at any time in its sole discretion, whichever is earlier, for the following reasons: (a) any money is owing by the Cardholder to AEON Credit under the terms of this agreement due to any reason whatsoever for more than Fourteen (14) Business Days or such other period as may be determined by AEON Credit from time to time; or (b) the Card is used for any transaction which is not authorised by AEON Credit; or (c) the Card is reported lost, misplaced or stolen. 19.3. In amplification and not derogation of Clause 5.3 hereof, the Card shall be terminated by AEON Credit without notice upon the death, bankruptcy or insolvency of the Cardholder. 19.4. Cardholder is aware that the AEON Points shall be forfeited upon Card termination. 19.5. The Stored Value will be refunded to Cardholder either through cheque issuance or through interbank fund transfer to the Cardholder. Cardholder may collect the cheque from any AEON Credit branches or request AEON Credit to post the cheque to Cardholder’s registered address. 20. FEATURES AND BENEFITS RENEWABLES 20.1. AEON Credit may review and revise any of the features and benefits listed in the Directory from time to time. 21. UNCLAIMED MONEYS ACT 1965 21.1. Cardholder is aware of the provisions of the Unclaimed Moneys Act 1965, wherein the Cardholder’s Prepaid Card Account balance will be classified as unclaimed money Two (2) years from the date of the last transaction initiated by the Cardholder, as such funds in the account are required to be transferred to the Registrar of Unclaimed Moneys (RUM). 21.2. Cardholder agrees to come to AEON Credit branches to perform a withdrawal or deposit transaction prior to the expiry of the Two (2) years in order to re-activate the Card. 21.3. If Cardholder fails to re-activate the Card, Cardholder is aware that AEON Credit shall give Cardholder Sixty (60) days advance notice before arranging to transfer the funds in the Card to the RUM. The AEON Points shall be forfeited. 22. VISA PAYWAVE 22.1. Cardholder may utilize Visa payWave innovative and convenient payment option at selected Merchants where Visa payWave readers are available. 22.2. Cardholder is not required to key in their PIN for any retail transaction on the Cardholder’s Prepaid Card Account not exceeding Ringgit Malaysia Two Hundred Fifty (RM250.00). 22.3. When prompted, Cardholder is required to key in their PIN for any retail transaction on the Cardholder’s Prepaid Card Account exceeding Ringgit Malaysia Two Hundred Fifty (RM250.00) or total cumulative retail transaction value exceeds Ringgit Malaysia Four Hundred (RM400). 22.4. To promote confidence in the use of contactless prepaid cards, Cardholder will have the options to set a cumulative transaction limit for contactless transactions via AEON Credit website. Whenever Cardholder reached the determined cumulative contactless transaction limit, Cardholder will be prompted to complete the settlement by keying in PIN into terminal. The cumulative contactless transaction will be reset to the determined amount after every successful contact settlement. 22.5. Cardholder also has an option to disable the payWave function which can be done via AEON Credit website. 22.6. The Cardholder acknowledges and agrees that the use of the performance of Contactless Transaction is at the risk of the Cardholder. All Contactless Transaction will be deemed to have properly authorized by the Cardholder unless the Cardholder can show conclusive proof of the contrary. 23. VARIATION REVISION OR CHANGE OF TERMS AND CONDITIONS 23.1. AEON Credit may from time to time by giving written notice to the Cardholder of at least Twenty One (21) calendar days in advance, vary, revise or change the terms and conditions. Such variation, revision or change shall apply on the effective date specified by AEON Credit. 23.2. Notice of additions or amendments may be effected by:- (a) mailing the notice to the Cardholder, or (b) sending the notice by e-mail to the Cardholder, or (c) sending the notice by SMS to the Cardholder 23.3. Retention or use of the Card after the effective date of any variation, revision or change of terms and conditions pursuant to Clause 24.1 and Clause 24.2 hereof shall be deemed to constitute acceptance of such variation, revision or change without reservation by the Cardholder. 23.4. If the Cardholder does not accept the proposed variation, revision or change, the Cardholder must terminate the use of the Card by giving prior written notice to AEON Credit and return the Card, cut across the magnetic stripe and across the chip, to AEON Credit prior to the effective date and the use of the Card thereafter shall be deemed terminated upon AEON Credit’s receipt of the Card cut across the magnetic stripe and across the chip and the provision relating to termination in Clause 19 hereof shall henceforth apply. 24. AEON CREDIT’S RIGHT TO DISCLOSE 24.1. The Cardholder consents to the disclosure of the last known address of the Cardholder to any bank or VISA International or its successors and 24.2. The disclosure of the Card numbers of any new, renewed or replaced Card to merchants or other interested persons. 24.3. AEON Credit shall be entitled to disclose and the Cardholder consents to the disclosure by AEON Credit of any information pertaining to the Cardholder and/ or the Prepaid Card Account to such extent as AEON Credit may at its sole and absolute discretion deem fit to the Central Credit Reference Information System under Bank Negara Malaysia, credit information organisations and/or other authority or body established by Bank Negara Malaysia, any other authority having jurisdiction over AEON Credit, AEON Credit’s branches, related corporations, associates, subsidiaries, affiliates, assignees, proposed assignees, agents and/or another parties engaged by AEON Credit to enable or assist AEON Credit to exercise or enforce AEON Credit’s rights hereunder and/or any other party whomsoever as AEON Credit may, at its sole and absolute discretion deem fit. The Cardholder will be given the option to “opt-in” or “opt-out” on the disclosure of information for cross-selling, marketing and promotional purposes. If at any time, the Cardholder wishes to have his/her name and address removed from such marketing communication, the Cardholder is required to write to AEON Credit Service (M) Berhad, Level 18, UOA Corporate Tower, Avenue 10, The Vertical, Bangsar South City, No. 8 Jalan Kerinchi, 59200 Kuala Lumpur or call our Customer Care Centre at 03-2719 9999 for more details. 24.4. Any consented disclosure by AEON Credit of the information referred to in this Clause will not render AEON Credit liable to the Cardholder for any claim, loss, damage (including direct or indirect damages or loss of profits or savings) or liability howsoever arising whether in contract, negligence, or any other basis arising from or in relation to: (i) the release or disclosure of the information by AEON Credit; and/or (ii) the information being incorrect, erroneous or misstated; and/or (iii) reliance on the information, whether caused by AEON Credit or other third party’s omission, misstatement, negligence or default or by technical, hardware or software failures of any kind, interruption, error, omission, viruses, delay in updating or notifying any changes in the information or otherwise howsoever. 25. RETAIL PURCHASES MADE OUTSIDE MALAYSIA 25.1. If transaction is made outside Malaysia in foreign currency, the transaction wiII convert into a Ringgit Malaysia equivalent at the conversion rate as determined by VISA as at the date it is processed by VISA. 25.2. In addition, Cardholder will also pay service charge of one per centum (1%) for the conversion of the transactions made in foreign currencies. 25.3. Cardholder agree that in the event of any dispute on the conversion rates determined by VISA on any transactions Cardholder have made outside Malaysia, AEON Credit will not be responsible to settle such disputes on Cardholders behalf with VISA. 26. INTERNET TRANSACTIONS If Cardholder uses the Card to purchase goods and/or services through the online internet sites or portals, Cardholder shall be solely responsible for the security of such use at all times. Cardholder agrees that the entry of the Card information on the internet shall be sufficient proof of the authenticity of such instructions, subject to input and system verification of One-Time Password (OTP) sent to your mobile phone number registered with AEON Credit for transactions at 3-D Secure merchant websites. AEON Credit shall not be under any obligation to verify the identity or the authority of the person entering the Cardholder's Card information and AEON Credit shalI not be liable for acting on such use of the Card information regardless of whether the person is so authorized and regardless of the circumstances prevailing at the time of transaction. However, AEON Credit reserves the discretion to not carry out any such transaction over the internet if AEON Credit has any reason to doubt its authenticity or if in AEON Credit's opinion it is unlawful or otherwise improper to do so for any other reason. 27. GOVERNING LAW AND JURISDICTION This Agreement between AEON Credit Service and the Cardholder shall be governed by the laws of Malaysia regardless of where the transaction itself takes place. 28. COSTS AND EXPENSES The Cardholder shall be liable to pay to AEON Credit all legal costs (including costs on a solicitor and client basis), charges and expenses which AEON Credit may incur in enforcing or seeking to enforce any of the provisions herein or in obtaining or seeking to obtain payment of all or any part of the monies owing by the Cardholder. 29. EXECUTION OF FURTHER DOCUMENTS The Cardholder undertakes to sign such further documents as may be requested by AEON Credit from time to time. 30. NOTIFICATION OF CHANGE The Cardholder shall promptly notify AEON Credit in writing, via e-mail or phone call of any change in his employment or business, address (office or residential) or telephone number(s) or if the Cardholder intends to be absent from Malaysia for more than Thirty (30) days. Notification of change(s) may be made by completing the “Change of Personal Details” form online at www.aeoncredit.com.my, by email to customer.service@aeoncredit.com.my, by calling AEON Credit Customer Care Centre at 03-2719 9999 or by writing in to AEON Credit Service (M) Berhad, Level 18, UOA Corporate Tower, Avenue 10, The Vertical, Bangsar South City, No. 8 Jalan Kerinchi, 59200 Kuala Lumpur. 31. FEATURES AND BENEFITS RENEWABLE AEON Credit may review and revise any of the features and benefits listed in the Directory from time to time. 32. INDEMNITY The Cardholder shall hold AEON Credit harmless and indemnify AEON Credit against any liability for loss, damage, costs and expenses (legal or otherwise including costs on a solicitor and client basis) which AEON Credit may incur by reason of the provisions herein or in the enforcement of its rights hereunder. 33. AEON CREDIT’S RIGHT TO WITHDRAW ANY FACILITIES OR TERMINATE THE USE OF CARD 33.1. AEON Credit reserves the right to withdraw all or any of the Prepaid Card Facilities provided at any time by giving notice with reason(s) to the Cardholder and in such circumstances if it so deems fit to terminate use of the Card notwithstanding that AEON Credit may have waived its rights on some previous occasions 33.2. In addition to the provisions herein the Cardholder hereby agrees and confirms that all fees and charges payable by the Cardholder under the terms and conditions herein may be debited by AEON Credit directly from the Stored Value of the Prepayments in the Cardholder’s Prepaid Card Account and are non-refundable. 34. SERVICE AND NOTIFICATION 34.1. The Cardholder hereby irrevocably consents to the service of any notice or statement hereunder by prepaid ordinary post to the last known address of the Cardholder in AEON Credit's records and such service shall be deemed effective on the seventh (7th) day after posting. Notice may also be given to the Cardholder via e-mail and shall be deemed served upon confirmation of delivery. 34.2. The Cardholder hereby agrees that in the event that any action is begun in the Malaysian Courts in respect of this Agreement, the legal process and other documents may be served by posting the documents to the Cardholder at the last known address of the Cardholder in AEON Credit's records and such service shall on the seventh (7th) day after posting, be deemed to be good and sufficient service of such process or documents. 35. ASSIGNMENT AEON Credit shall be entitled at any time without the consent of the Cardholder to assign the whole or any part of its rights or obligations hereunder with or without notice to the Cardholder. 36. SUCCESSORS BOUND This Agreement shall be binding upon and enure to the benefit of the respective successors in title and assigns of the Cardholder and AEON Credit provided that the Cardholder may not assign its rights and obligations hereunder. 37. SEVERABILITY OF PROVISIONS If any of the provisions herein becomes invalid, illegal or unenforceable in any respect under any law the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired. 38. AEON POINTS 38.1. AEON Points Programme is a programme for Cardholders of AEON Member Plus Visa Card issued by AEON Credit Service (M) Berhad. 38.2. AEON Points are awarded to the Cardholder based on the total posted Ringgit Malaysia (RM) amount of eligible purchases within and outside Malaysia charged to the Card. 38.3. The AEON Points will be credited into Cardholder’s account within 48 hours after the transaction is completed. 38.4. The AEON Points earned are valid for up to three (3) years period (based on statement date). Example: AEON Points earned between Statement dates from January 2018 to December 2018 is considered as AEON Points earned in year 2018 and will therefore expire on 31st December 2021. 38.5. The applicable expiry dates for Points earned will be shown in the Cardholder’s Statement and AEON Points earned but not redeemed will be forfeited on the expiry dates. 38.6. For Cardholder who opts for Auto Conversion method, AEON Points will be converted to cash value in the AEON Member Plus Visa Card on the monthly statement date. 38.7. For Cardholder who opts for Manual Conversion method, the AEON Points rewarded by AEON Credit shall be accumulated in the AEON Member Plus Visa Card’s Account and to be converted to cash value into AEON Member Plus Visa Card after the Member performs the redemption via www.aeoncredit.com.my, AEON Wallet or any other medium which will be made available from time to time. 39. TIME OF ESSENCE 39.1. Time shall be of the essence hereof. 39.2. No failure to exercise and no delay in exercising on the part of AEON Credit of any right, power or privilege hereunder shall operate as waiver thereof, nor shall any single or partial exercise of any right, power or privilege preclude any other or further exercise thereof or the exercise of any other right, power or privilege. 39.3. The rights and remedies herein provided are cumulative and not exclusive of any rights or remedies provided by law. 40. CONFLICT BETWEEN ENGLISH TEXT AND OTHERS In the event of any conflict or discrepancy between the English text of terms and conditions herein and any translation thereof, the English text shall prevail. 41. PUBLICATION OF THIS TERMS AND CONDITIONS ON AEON CREDIT’S WEBSITE 41.1. A copy of this Terms and Conditions is published at our website www.aeoncredit.com.my. In the event AEON Credit changes or varies any terms and conditions herein, the amended and updated version will be posted on the aforesaid website. 41.2. In the event of any queries relating to these terms and conditions, the Cardholder may contact AEON Credit’s Customer Care Centre at the following address, e-mail address, telephone and facsimile numbers (or such address, e-mail address, telephone and facsimile numbers which AEON Credit may change by notification to the Cardholder) through Customer Care Centre, Tel: 603-27199999, Fax: 603-78637898, E-mail: customer.service@aeoncredit.com.my ,Website: www.aeoncredit.com.my. 42. FORCE MAJEURE Without prejudice to any of the provision of this Agreement, the Cardholder agrees not to hold AEON Credit liable in the event that AEON Credit is unable to perform in whole or in part any of its obligations under this Agreement, attributable directly or indirectly to the failure of any mechanical or electronic device, data processing system, transmission line, electrical failure, industrial dispute, any act beyond AEON Credit’s control or due to any factor in a nature of a force majeure

AEON Wallet is a virtual electronic wallet by AEON Credit Service Malaysia (ACSM) that allows you to store payment card(s) electronically in secure manner on a mobile device or smartphone, to provide a convenient way for you to make in-store payments at participating merchant outlets. AEON Pay is one of the functions of AEON Wallet, which allows you to pay by your wallet when you tagged the card(s) of your choosing for payment via AEON Wallet (i.e. ACSM Credit Cards or AEON Member Plus Card).

Yes, AEON Wallet is free to download.

Any of our customers with the conditions below: 1. AEON Wallet is available to be downloaded by everyone. 2. Our active account for AEON Member Plus Card, Prepaid Card, Credit Card, Easy Payment, Motorcycle Easy Payment, Auto Financing, or Personal Financing. 3. Valid mobile number for One Time Pin (OTP) verification purposes. 4. Active email account registered with ACSM for E-statement.

Any device with compatible: 1. Android 4.1 and above 2. Apple iOS9 and above

Yes, as long as the device bought is compatible: 1. Android 4.4 and above 2. Apple iOS9 and above

Go to Google Play Store or App Store, search for "AEON Wallet", and download the app.

Steps to register for AEON Wallet: 1. Click on the AEON Wallet icon on your mobile device desktop 2. Enter valid identification, sign up, and agree to the our Terms and Privacy 3. Create six (6) digits Pin 4. AEON Wallet will auto verify the OTP 5. Successful register for AEON Wallet

No, AEON Wallet is not permitted to work on jailbroken or rooted device.

You will use Quick Response (QR) Code Payment at any AEON Pay accepted stores.

All cards issued by ACSM: AEON Prepaid Mastercard, AEON Member Plus Card, AEON Platinum Credit Card, AEON BiG Visa Classic Card, AEON BiG Visa Gold Card, New AEON Gold Visa/MasterCard, New AEON Classic Visa/MasterCard, AEON Gold Visa/MasterCard, AEON Classic Visa/MasterCard, Motorcycle Association Affinity Gold Visa Card, Japan Club of Kuala Lumpur Credit Card.

Kindly contact our customer service or your communication service providers for help.

No additional fees and charges for using AEON Wallet.

At all AEON Stores, AEON BiG Hypermarket, AEON MaxValu, AEON MaxValu Prime, AEON Wellness and other participating merchants with AEON Pay logo acceptance.

You will see "AEON Pay" logo with the participating merchants.

1. Login to AEON Wallet 2. Select a card to tag for payment and key in CCV/CVV 3. AEON Wallet will auto verify the OTP 4. Successfully tag a card for payment with the "Success" notification on screen

1. Login to AEON Wallet 2. Fingerprint or Pin Verification 3. Select a tagged card for payment, and select Pay 4. Scan QR Code 5. Confirm amount to complete the payment 6. Payment successful with "Payment Complete" notification on screen

1. The daily transaction limit of RM1,000 is only applicable on Android device. 2. The daily transaction limit of RM1,000 is not applicable on iOS device. 3. Each Contactless Transaction without your verification (CVM) is capped at RM250. In the case where either the Contactless Transaction exceeds the threshold of RM250 and/or breaches cumulative limit of RM400, you are required to insert your card and input the 6 digit card PIN at the Electronic Data Capture (EDC) Terminal. 4. Contactless Transactions are subject to the daily and monthly limits which you ma have set via the website.

There are two (2) ways: 1. The transaction you made will be shown under each payment card in AEON Wallet. 2. After each payment, you will transaction details will be shown in transaction history.

Your mobile device might have a connection interruption. Kindly contact our customer service or your communication service providers.

It will be the same as usual credit, cash or other payments. You would need to bring your purchased goods and receipt to the cashier to void your transaction.

All disputes arising from the Cardholder’s Statement shall be made or notified to ACSM within fourteen (14) days from the date of the Statement to the Customer Care Centre.

No, currently you are not allowed to use AEON Pay in overseas.

There is no limit as long as the cards are issued by ACSM.

Yes, you can top-up via AEON Wallet. There is no fees and charges to Top-up.

AEON Wallet provides security features with the list below: 1. No card(s) information is stored in the mobile device 2. You may only register one mobile device to AEON Wallet 3. Real time transaction monitoring 4. Providing 24/7 customer service and app lock

To access your AEON Wallet, your fingerprint or 6 digits PIN is required. Besides that no card(s) information is stored in the mobile device.

There are three (3) options: 1. Visit www.aeonwallet.com.my You can logon to www.aeonwallet.com.my to lock your account. 2. Visit www.aeoncredit.com.my You can log into your web account and choose to disable the AEON Wallet. 3. Call Center You may also call customer service department, operating on 24/7 basis, to lock your AEON Wallet.

Call us immediately to report lost card and to block your card.

No, but you need to activate your actual card.

It takes up to 48 hours before the points update on the app.

Points gets credited one month after the campaign ends.

You may be on Auto redemption and points are automatically converted to cash once a month. You can check your transaction history for "Point Redemption - Cashback". It may take up to 6 hours before the cash balance is updated. If you did not get cash back, please contact customer service.

You will need to scan the member card barcode on the app / physical card and pay with the card before qualifying for 2x points.

No. The current points will not be transferred to your AEON Member Plus Visa Card. Kindly go to the nearest AEON Customer Service at AEON Mall or AEON Stores to redeem your points.

Yes, the current AEON BiG Member points will be transferred to the AEON Member Plus Card. You will be notified via SMS whether the point transfer is successful or not. Should the points transfer is unsuccessful, kindly go to your nearest AEON BiG to redeem your points.

Loyalty Program is a type of reward system, which provides customers an advanced access to AEON Point, new products, additional discounts, free gifts and more.

You can use your AEON Points at AEON Stores, AEON BiG Hypermarket, AEON MaxValu, AEON MaxValu Prime, AEON Wellness and other participating merchants.

You may convert your AEON Points to cash through: 1) Auto point redemption. Auto point redemption is an auto function which automatically converts your AEON Points to cash in the card. 2) Self-Initiate: You can choose when to convert your AEON Points to cash in the card through ACSM website and AEON Wallet.

AEON Points/ Value are not transferable at this moment.

AEON E-WALLET TERMS AND CONDITION 1. Introduction 1.1. The following terms and conditions ("Terms of Usage") shall govern your use of AEON Credit Service (M) Berhad’s AEON Wallet application ("AEON Wallet") using a compatible and supported Device (as defined in Section 11 herein). These Terms of Usage form a legal agreement that is binding between you and AEON Credit Service (M) Berhad ("AEON Credit" or "the Company") when you download, activate and/or use the AEON Wallet, including enhancements and new versions made available in the future. 1.2. In addition to these Terms of Usage, you also agree to comply with and adhere to the Terms & Conditions of the following agreements (whichever applicable): (a) the AEON Credit Card* Cardholder Agreement; (b) the AEON Prepaid Card* Cardholder Agreement; (c) the customer agreement for loyalty programme/membership card issued by or for AEON Group of Companies in Malaysia (whichever applicable); and (d) the terms and conditions of any other document or agreement governing your relationship with us, including Easy Payment and Personal Financing agreements, if any. (*Note: Including various types of credit cards and prepaid cards issued by ACSM) 2. AEON Wallet 2.1. AEON Wallet Application Software ("the Application") 2.1.1. In order to use the AEON Wallet, you are required to download the application software from Google Playstore or Apple Store to your Device, and thereafter register the AEON Wallet with AEON Credit through the application. 2.1.2. AEON Credit is not responsible or liable in any way for your access to the Google Playstore and Apple Store. You are solely responsible for the installation, configuration or compatibility of the hardware, software and other equipment used for installation of the AEON Wallet application on your Device. 2.2. Your Responsibilities 2.2.1. You agree to register for the AEON Wallet and provide true, accurate, current and complete information as prompted by AEON Wallet's registration form ("Registration Data"). If you provide any information that is untrue, inaccurate, not current or incomplete, or if AEON Credit has reasonable grounds to believe that any information is untrue, inaccurate, not current or incomplete, AEON Credit has the right to suspend or terminate your access to AEON Wallet and refuse any and all current or future use of AEON Wallet (or any part thereof) without any liability. 2.2.2. You shall ensure the compatibility of your mobile device with AEON Wallet. In the event that changes and upgrades are introduced to AEON Wallet, you shall be responsible to ensure the continued compatibility of your Device and you shall have no claim whatsoever against AEON Credit arising therefrom. Terms of Usage for AEON Wallet 2.2.3. You shall be responsible for any Device, software and mobile network/data services necessary to use AEON Wallet and also for ensuring accuracy of information or transaction data submitted or confirmed by you through the use of the AEON Wallet; and 2.2.4. You shall not install the Application on a jail-broken or rooted Device. Unauthorised modifications to any Device(s) operating systems ("jail-breaking or rooting") bypass security features and can cause numerous issues to the hacked devices; thus such Device(s)are vulnerable to fraudulent attacks and may expose your Account(s) registered under AEON Wallet being used by unauthorised persons, whether remotely performed or otherwise. 2.2.5. You shall be solely responsible for all fees and charges related to access and connection to the AEON Wallet including but not limited to phone/telecommunication usage, mobile data usage charges and any other charges imposed by any Network/Wifi Service Provider. 2.2.6. Your AEON Wallet cannot be transferred and you must be the individual holding the NRIC or passport number registered with AEON Credit. 2.2.7. You are responsible for maintaining the confidentiality of the PIN for the Application, and you shall be fully responsible for all activities/transactions made with your PIN or Account. AEON Credit will not be liable for any loss or damage arising from your failure to take reasonable steps to maintain the confidentiality of your Account or PIN, your failure to exit from the Application immediately upon ceasing to using the Application for any transaction or enquiry, or your negligence in safeguarding/securing Device against loss or theft. 2.3. Use of AEON Wallet 2.3.1. By installing the Application, you represent and warrant that you are the person holding the relevant credit card, prepaid card, loyalty programme/membership or other account with AEON Credit to be enrolled for utilisation in the AEON Wallet. 2.3.2. By using the Application, you agree and undertake to use the Application functions in accordance with these Terms of Usage, and accept the risk that by enabling the Application on your Device, unauthorised access may arise using your login information, and you will be liable solely for all information accessed or transactions performed by any other person without your knowledge, authority or consent. 2.3.3. References to material and information contained on AEON Wallet include such material and information provided by third parties. AEON Credit does not make any express or implied warranties including but not limited to any warranties of title, non-infringement, merchantability, usefulness, operation, completeness, currency, accuracy, satisfactory quality, reliability, fitness for a particular purpose in respect of such material, information and/or functions therein. 2.3.4. You understand and agree that the AEON Wallet is provided on "As-Is Basis" and that AEON Credit assumes no responsibility for your inability to access/use the AEON Wallet or any part thereof, the rejection of your transactions, the incorrect processing of your transactions as a result of your failure to maintain your account with the Network/Wifi Service Provider or your failure to obtain or use the necessary application version, Device(s), internet browser and/or other hardware and/or software including but not limited to any failure to upgrade the relevant operating system and/or software or to use the new and recent versions of the same as may be required by AEON Credit. Terms of Usage for AEON Wallet 2.3.5. AEON Credit does not warrant that access to the whole or part(s) of AEON Wallet, the materials, information and/or the functions contained therein will be provided uninterrupted or free from errors or that there will be no delays, failures, errors or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your Device. 2.3.6. Without limiting the above and/or the terms and conditions of the applicable agreements governing all the products and services of AEON Credit, reasonable measures will nevertheless be taken by the Company to ensure the integrity of systems and processes as well as timely processing of transactions and information requests related to services offered by the Company through the AEON Wallet. 2.3.7. The materials, information and functions provided shall not under any circumstances be considered or construed as an offer or solicitation to sell, buy, give, take, issue, redeem or transfer, or as the giving of any advice in respect of loans, advances, credits or easy payment products in any jurisdiction. You shall be responsible to evaluate the quality, adequacy, completeness, currency and usefulness of all services, content, advice, opinions and other information obtained or accessible through AEON Wallet. 2.3.8. While there are no charges currently imposed by AEON Credit for installation and usage of AEON Wallet, the Company may in the future impose fees/charges for AEON Wallet (or service(s) under AEON Wallet) at any time, at its sole discretion by providing prior notice to you in accordance with Clause 8.2.1. 3. AEON Pay 3.1. Eligibility of AEON Pay 3.1.1. You may enroll your payment card(s) and/ or loyalty programme/membership card(s) (“Card”) and store them electronically in the AEON Wallet. You may use the Device to make contactless payments using AEON Pay function and obtain loyalty programme/membership recognition to earn/redeem reward points etc. 3.1.2. The AEON Pay function can be used for contactless payments via Quick Response Code (“QR Code”) technology at participating merchants for amounts not exceeding your Credit Limit (as defined in the AEON Credit Card Cardholder Agreement), Stored Value (as defined in the AEON Prepaid Card Cardholder Agreement) or other limit as notified to you by the Company from time to time at the Company’s sole and absolute discretion. 3.1.3. By using the AEON Pay for payments, you accept the risk that unauthorised payment transactions may be made using AEON Pay on your Device (linked to your Card information), and you will be solely liable for all such payment transactions, notwithstanding that your Device or PIN may have been used by any other person without your knowledge, authority or consent. 3.1.4. The usage of AEON Pay is limited to the Device associated with the mobile phone number registered with AEON Credit for your credit card, prepaid card or other ACSM product that you are currently using. Terms of Usage for AEON Wallet 3.2. Use of AEON Pay 3.2.1. You may enroll one or more Cards in your AEON Wallet in accordance with the procedures notified by AEON Credit. You shall also be required to create a PIN and/or register your fingerprint on the Device to enable access to the AEON Wallet, and you shall be deemed to have agreed to this Terms of Usage each time you enroll a Card on your Device. 4. Security of AEON Wallet and AEON Pay 4.1. You must: (a) keep the PIN and any other login or access information on your Device secret and confidential at all times; (b) safeguard and secure the Device at all times times to prevent fraudulent or unauthorised access to or use of AEON Wallet and AEON Pay; and (c) take all reasonable steps to lock/disable the use of AEON Wallet and AEON Pay immediately upon being aware of unauthorised usage, loss or theft of Device. 4.2. You must report to the Company as soon as you:- (a) suspect or become aware that the Device is lost or stolen; (b) suspect or become aware that the mobile PIN has or may have been disclosed to another person; or (c) suspect or become aware that there has been unauthorised use of PIN or Device. 4.3. In the event of any loss, theft or disclosure of the PIN or Device, you are responsible for all transactions made by anyone using the AEON Wallet or AEON Pay until AEON Credit is notified or action has been taken by you to lock/disable the AEON Wallet. You will be bound by the existing terms and conditions of your physical cards issued by AEON Credit, including your liability for unauthorised transactions. 4.4. In the event you change your Device, the AEON Wallet access on the old Device shall be locked/disabled by you immediately based on procedures notified by AEON Credit. 5. Intellectual Property 5.1. Ownership 5.1.1. The Intellectual Property in and to the AEON Wallet and AEON Pay are owned, licensed to or controlled by the Company, our licensors or our service providers (where applicable). The Company reserves the right to enforce its Intellectual Property Rights as defined herein to the fullest extent of the law. 5.1.2. “Intellectual Property Rights” as used in these Terms of Usage include, both in Malaysia and throughout the world, any copyright, trade mark, service mark, design, patent, patent applications, or other proprietary right, or any right to registration of such rights. Terms of Usage for AEON Wallet 5.2. Restricted Use 5.2.1. No part or parts of AEON Wallet and AEON Pay may be reproduced, reverse engineered, decompiled, disassembled, separated, altered, distributed, republished, displayed, broadcast, hyperlinked, mirrored, framed, transferred or transmitted in any manner or by any means or stored in an information retrieval system or installed on any server, system or equipment without the Company’s prior written permission or prior written permission from the relevant copyright owners. 5.3. Trademarks 5.3.1. Nothing in these Terms and Conditions shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademarks displayed or assignment of an Intellectual Property Right in respect of AEON Wallet or AEON Pay (as the case may be), without the Company’s written permission permission (or that of any other applicable trademark owner, as may be relevant). 6. Disclaimer and Exclusion of Liability 6.1. You expressly agree that access and use of AEON Wallet and AEON Pay is at your sole risk. The Company hereby excludes and disclaims all warranties and conditions, either express, implied or statutory, including but not limited to, the implied warranties or conditions of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, and non-infringement of third party rights. 6.2. The Company also does not warrant against interference with your enjoyment, that the functions or services performed or provided by AEON Wallet will meet your requirements, that the operation or availability of AEON Wallet and AEON Pay will be uninterrupted or error-free, or that the AEON Wallet and AEON Pay shall be free from errors and defects. 6.3. In addition to the other terms, the Company is not liable for any direct, indirect, incidental, punitive, special or consequential damages or economic losses whatsoever or howsoever caused arising directly or indirectly in connection with poor or interrupted mobile network coverage. 7. Indemnity 7.1. You agree to hold the Company harmless and indemnify the Company and all its employees, nominees, directors, licensors, sponsors, affiliates and agents for any losses and embarrassment suffered by the Company (other than such loss and embarrassment arising from the Company or its employees' and agents' willful misconduct or gross negligence) from any claim or demand, including reasonable legal fees, made by a third party due to or in connection with your installation, access and/or use of the AEON Wallet or AEON Pay. Terms of Usage for AEON Wallet 8. General 8.1. Waiver Any failure or delay by the Company in exercising or enforcing any right the Company has under these Terms of Usage does not operate as a waiver of and does not prejudice or affect the Company’s right subsequently to act strictly in accordance with the Company’s rights. 8.2. Variation 8.2.1 You agree that these Terms of Usage may be changed from time to time. If the Company changes or adds any term or condition to these Terms of Usage, the Company will provide you with 21 days prior notice and the change or addition will take effect on the date specified in the notice. 8.2.2. You agree that your continued use of the AEON Wallet after such update will constitute the acceptance of an agreement to be bound by the updated Terms of Usage. 8.2.3. If you do not accept the change or addition to these Terms of Usage, you must stop accessing and using the AEON Wallet and terminate your access and use of the AEON Wallet or AEON Pay. If you continue to access and use the AEON Wallet after the change or addition takes effect, you will be deemed to have accepted the revised Terms of Usage without reservation. 8.3. Severability If any of these Terms and Conditions is rendered invalid, unlawful or unenforceable under the laws of Malaysia, it shall not affect or impair the validity, legality or enforceability of the rest of the terms. 8.4. Illegality AEON Credit may close and revoke any access and or service with or without notice to you if, because of any change to any applicable law, regulation, regulatory requirement or judicial decision, or in our opinion, maintaining or performing any obligation under these Terms of Usage becomes illegal, or we are otherwise prohibited from doing so. 8.5. Assignmet 8.5.1. These Terms of Usage are binding on you and on the Company and on respective successors-in-title and/or permitted assigns. 8.5.2. These Terms of Usage are binding even if:- (a) the Company changes its name or constitution; or (b) the Company consolidates or amalgamates with another entity, in which case, that entity will substitute the Company in relation to these Terms of Usage and will continue in force between you and that entity. 8.5.3. You cannot assign or transfer your rights and obligations under these Terms of Usage without the Company’s prior written permission. Terms of Usage for AEON Wallet 8.6. Applicable Law and Proceedings 8.6.1. These Terms of Usage are governed by and will be interpreted according to the laws of Malaysia. 8.6.2. You agree to irrevocably submit to the exclusive jurisdiction of the courts of Malaysia which means that legal proceedings against us can only be brought in the courts of Malaysia. This clause does not limit the Company’s right to bring legal proceedings in any country and to take concurrent legal proceedings in more than one country. 8.7. Suspension or Termination of AEON Wallet or AEON Pay 8.7.1. The Company reserves the right to suspend or terminate usage of the AEON Wallet application or AEON Pay service for any reason at our sole and absolute discretion, subject to providing 21 days prior notice to you. 9. Updates to AEON Wallet Application Software 9.1. AEON Wallet may be updated from time to time to a revised/new version and you are required to perform such update of the application software in your Device to ensure full performance and functionality of AEON Wallet. The Company shall not be responsible for any loss or damage resulting from any failure by you to update to the latest version of AEON Wallet. 10. Privacy Policy 10.1. You hereby confirm that you have read, understood and agreed to be bound by the AEON Credit Privacy Notice (which is available at www.aeoncredit.com.my). You agree that by using the AEON Wallet, you are giving consent to AEON Credit for the information collected by AEON Credit from you to be used and/or disclosed in accordance to the Company’s Privacy Policy and the Personal Data Protection Act 2010. For the avoidance of doubt, you agree that the said Privacy Notice shall be deemed to be incorporated by reference into this Terms of Usage. 11. Definitions and Interpretation 11.1. For the purpose of these Terms and Conditions, the following terms shall, unless the context otherwise requires, have the meanings as defined below. All other terms not defined herein shall have the meaning as may generally be accepted within the industry based on the context used herein: 11.1.1. “Account” refers to any account you now or hereafter have with the Company and any account used for the purposes of the AEON Wallet and from which funds may be applied for the utilisation of AEON Pay. 11.1.2. “Card” means any Principal or Supplementary credit card, prepaid card or loyalty programme/membership card issued by AEON Credit to you, but excluding any card which has been terminated, cancelled or blocked from usage by AEON Credit. Terms of Usage for AEON Wallet 11.1.3. “Device” means any compatible smartphone or mobile device used by you to access and use the AEON Wallet. 11.1.4. “Liability” means, all debts, liabilities or obligations you owe to the Company now or in future, whether actual or contingent, primary or collateral, several or joint. Loss includes claims, actions, losses, damages, demands, liabilities and costs of any kind. 11.1.5. “Microsite” refers to the website hosted by AEON Credit for the purpose of providing additional security for managing AEON Wallet installation on a different device. 11.1.6. “PIN” means the Personal Identification Number (PIN) or similar access code/password chosen by you which is used to confirm your identity when accessing the AEON Wallet or specific services/functions in the AEON Wallet. 11.1.7. “AEON Wallet” refers to an application which provides service including but not limited to online account or card management, payment card services and loyalty/membership card services through the medium of a compatible smartphone or mobile device. 11.1.8. “AEON Pay” refers to the function of AEON Wallet which allows you to make payments using the mobile Device. 11.1.9. “You” or “your” refers to potential and existing users of AEON Wallet; 11.1.10. “The Company” or “AEON Credit” refers to AEON Credit and shall include its successors-in-title and permitted assigns. 12. Further Enquiries and Assistance Please contact AEON Credit if you have any questions related to these Terms of Usage or require any assistance related to the AEON Wallet: Customer Care Department AEON Credit Service (M) Berhad Tel: +603 2719 9999 Email: customerservice@aeoncredit.com.my