Terms & Conditions

In consideration of MANAGEPAY SERVICES SDN BHD (516641-W) opening a Malaysia Truly Asia e-Wallet Account in my name, I hereby agree to be bound by the following terms and conditions herein.

1. Definitions

In the Terms and Conditions herein contained (Terms & Conditions), unless the context indicates otherwise, the following words and phrases shall have the meanings indicated against them:

• Account refers to the User's Malaysia Truly Asia e-Wallet Account and/or Malaysia Truly Asia Mastercard Prepaid Card Account and/or Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account or any other type of account so designated by the Issuer to be eligible account(s) for the operations through the use of Malaysia Truly Asia Application owned and operated by ITMAX Berhad the approved Program Owner or the Issuer ("the Malaysia Truly Asia App"). You must be 18 years of age or older to open an Account.
• Confidential Information refers to the information obtained by the User through the Issuer for availing various services through the Site.
• Instruction means any request or instruction that is received from the User by the Issuer through Malaysia Truly Asia App.
• Issuer refers to ManagePay Services Sdn Bhd (516641-W), a company incorporated under the laws of Malaysia and having its registered office at 16-A (1st Floor), Jalan Tun Sambanthan 3, Brickfields, 50470 Kuala Lumpur (which expression shall, unless it is repugnant to the subject or context thereof, include its holding and sister companies and associates, successors and assigns).
• Malaysia Truly Asia e-Wallet Account means the eMoney facility offered by the Issuer.
• Malaysia Truly Asia App and associated services are provided by ITMAX, the approved merchant for Malaysia Truly Asia e-Wallet Account/or Malaysia Truly Asia Mastercard Prepaid Card Account and/or Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account.
• The Malaysia Truly Asia App provides access to account information, products and other services (including transactions of financial and non-financial in nature) as advised by the Issuer from time to time to the customers through the Site. Refer to the Malaysia Truly Asia terms and conditions available at www.Malaysia Truly Asia.com.my for more information.
• Program Owner refers to ITMAX Berhad who provides the Malaysia Truly Asia App.
• Mobile One Time Password refers to one time 6-digit pass code that would be generated via Malaysia Truly Asia App onto a User's mobile number registered on the Program Owner's record.
• Personal Information refers to the information about the User obtained by the Issuer.
• Site means www.Malaysia Truly Asia.com.my website operated by the Program Owner.
• Third party product refers to any product and/or service of a third party which is offered by or through the Program Owner.
• User refers to a customer of the Issuer authorized to open an Account.

2. Applicability of terms

The Terms & Conditions form the contract between the User applying for an Account and the Issuer. By applying for Account, the User acknowledges and accepts the Terms & Conditions. Any conditions relating to the accounts of User other than the Terms & Conditions will continue to apply except that in the event of any conflict between the Terms & Conditions and that in the account, the Terms & Conditions will prevail. The Terms & Conditions shall remain valid until it is replaced by another agreement or terminated by either party or account is closed, whichever is earlier, save for those said to survive termination.

3. Online application to open a Malaysia Truly Asia e-Wallet account and/or Malaysia Truly Asia Mastercard Prepaid Card Account and/or Malaysia Truly Asia Mastercard Virtual Card Number Account ('Account')

• The customer would need to have access to the Internet.
• You must apply for an Account online via the Malaysia Truly Asia App or any other designated channel as determined by the Issuer. The acceptance and continuance of the Account will be entirely at the discretion of the Issuer and is conditional on the opening of a Malaysia Truly Asia Account with ITMAX Berhad. The Issuer reserves the right to reject and decline my application at the Issuer's sole and absolute discretion or if the Issuer's records show that I have been blacklisted by the Issuer, Bank Negara Malaysia or Mastercard International or if any of my account(s) has been monitored by the Issuer due to unusual, irregular, suspicious, fraudulent and/or unauthorized activities or suspected misuse, or has been blocked, cancelled or terminated by the Issuer provided always that the Issuer shall have no obligation to provide to me the reason or evidence or grounds in declining my application. Whilst the application is open to all individual customers, the Issuer reserves the right to reject any application and/or to decline to open the Account at the Issuer's sole and absolute discretion without assigning any reasons whatsoever, and the Issuer's decision shall be final and conclusive.
• I shall comply with all the Issuer's requirements to open the Account. In applying for the Account, using and/or operating the Account, I represent and warrant that (i) all information provided by me to the Issuer is true, correct and complete (ii) I do not have any other e-Wallet Account with the Issuer (iii) I am at least eighteen (18) years of age (iv) I have a registered mobile number and email address (v) I am a student at a Higher Education institution in Malaysia. I agree that based on such disclosure, I shall be liable for misrepresentation, or false, untrue or incorrect information disclosed by me for the opening of the Account and for the continued usage and/or operation of the Account, and I shall be liable and responsible for any damage or loss suffered or incurred by the Issuer arising under any of my breach or default herein.
• I acknowledge that the Account shall be governed by and subject to these Terms & Conditions, the Program Owners Terms of Access governing the use of Malaysia Truly Asia as amended, varied and/or reviewed from time to time. In the event of any conflict or discrepancy between any of the terms and conditions, the Terms & Conditions shall prevail and be deemed as binding on me.
• The Account may be opened with or without an application by me for the issuance of the Mastercard Prepaid Card as determined by the Issuer at its sole discretion from time to time. I am required to firstly pay the Mastercard Prepaid Card fee in order for my application for the Mastercard Prepaid Card to be successfully processed. The Issuer will not process any applications for the issuance of Mastercard Prepaid Card if the Mastercard Prepaid Card fee has not been paid or received by the Issuer. The payment of the Mastercard Prepaid Card fee can be done online at any bank's internet banking services or at any other designated channels as may be permitted by the Issuer from time to time.
• By opening the Account, I hereby expressly acknowledge and agree that:

As and when required, I shall furnish the Issuer with any information required by the Issuer for the purpose of regulatory reporting obligations or for whatsoever reasons which the Issuer deems reasonable or necessary.

I hereby give my express authorization and consent to the Issuer to process (as defined under the Personal Data Protection Act 2010 ("PDPA") and disclose information to third parties including information relating to my personal data (as defined in the PDPA) as well as particulars relating to the Account AS WELL AS disclose relevant information to any third party solely for purposes of determining my eligibility to participate and/or for fulfilment of any benefits to be given to me herein in applying for the Account. The Issuer's use of the personal data shall be governed by the provisions of the PDPA.

I am also aware that I do not need to agree to receive marketing material for any promotion or campaign which may be organized by the Merchant, Issuer or by the Issuer's business partners. However, I hereby give my express authorization and consent to the Issuer to use and/or disclose my personal data to third parties under any promotion or campaign which may be organized by the Issuer or by the Issuer in conjunction with other third parties from time to time. Such promotion or campaign may be communicated to me via Malaysia Truly Asia App and/or other designated channel.

☐ Yes. I agree to Opt-in ☐ No. I wish to Opt-out

By not ticking either of the boxes, I shall be deemed to have Opted-Out from receiving marketing material for any promotion or campaign as mentioned in the preceding paragraph.

☐ Yes. I agree to Opt-in
I hereby give my express authorization and consent to the Issuer to use and/or disclose my personal data to third parties under any promotion or campaign which may be organized by the Issuer in conjunction with other third parties from time to time. Such promotion or campaign may be communicated to me via Malaysia Truly Asia App and/or other designated channel.

☐ No. I wish to Opt-out

In the event I do not wish to receive marketing materials for promotions or campaigns anymore. I may accordingly withdraw my said consent, which withdrawal shall be effective immediately as soon as I serve a notice of withdrawal of such consent to the Issuer at the following telephone number or address (which may be changed by the Issuer from time to time by notice to me): Wisma MPSB, Lot 109-113, Jalan USJ 21/10, 47630 Subang Jaya, Selangor, Tel No.: 1700-81-6729.

I recognize and understand that the Account is not an interest-bearing account and shall not earn any interest whatsoever.

I recognize and understand that I shall not add or credit funds into the Account in excess of the Maximum Amount of RM25,000.

4. Malaysia Truly Asia App

The Issuer shall endeavor to provide to the User through the Malaysia Truly Asia App services such as inquiry about the e-Wallet in its account(s), details about transactions, statement of account, request for transfer of funds between accounts of the same User and other accounts, and many other facilities as the Issuer may decide to provide from time to time. These facilities shall be offered in a phased manner at the discretion of the Issuer. The Issuer at its sole discretion may also make additions/deletions to the services being offered without giving any prior notices or reasons. The availability/non-availability of a particular service shall be advised through the web page of the Program Owner or written communication or any other mode as the Issuer thinks fit. The Issuer shall take reasonable care to ensure the security of and prevent unauthorized access to the Malaysia Truly Asia App using technology reasonably available to the Issuer. The User shall not use or permit to be used Malaysia Truly Asia App or any related service for any illegal or improper purposes.

The User would need to create a User-id, a password, and a 6-digit security pin during registration for the Malaysia Truly Asia App.

As a safety measure the User shall change the password as frequently as possible, at least once in 90 days. In addition to User-id and password the Issuer may, at its discretion, advise the User to adopt any other means of authentication including but not limited to smart cards, Mobile One Time Password and/or Digital certification issued by Issuer, licensed or approved Certifying Authorities or vendors.

The User shall not attempt or permit others to attempt accessing the account information stored in the computers and computer networks of the Issuer through any means other than the Malaysia Truly Asia App.

5. User-Id And Password

The User shall:

• Keep the User-id and password totally confidential and not reveal them to any third party.
• Create a password of at least 8 characters long and shall consist of a mix of alphabets, numbers, and special characters which must not relate to any readily accessible personal data such as the User's name, address, date of birth, telephone number, vehicle number, driver license, etc., or easily guessable combination of letters and/or numbers;
• Commit the User-id and password to memory and not record them in a written or electronic form;
• Not let any unauthorized person have access to its computer/mobile phone or leave the computer/mobile phone unattended while using Malaysia Truly Asia App;
• Not disclose/reveal its personal or confidential information to anyone over email/SMS/phone call even if it is purportedly from the Issuer. The Issuer or any of its representatives will never send emails/SMS or call the User over the phone to seek personal information like Username, passwords, Mobile One Time Passwords, etc. For tips on safe usage of password(s), "Password Management" displayed as a link on the login page of the Site may be referred to.
• Not access the Site if its computer/mobile phone device is not free of malware (Viruses, Trojans, etc.).

The selection of a new password and/or the replacement of User-id shall not be construed as the commencement of a new contract. The User agrees and acknowledges that Issuer shall in no way be held responsible or liable if the User incurs any loss as a result of compromise of User-id and password by the User himself or if the User has failed to follow the Malaysia Truly Asia App instructions as published by the Issuer on the site from time to time. The User agrees to fully indemnify and hold harmless Issuer in respect of the same.

Locking of User ID

Malaysia Truly Asia App Password/User ID shall get locked after a number of incorrect attempts, up to such number (at present 5 failed attempts) as may be decided by the Issuer from time to time. The same shall be available on the next day. In case of emergency, the User ID/password can be unlocked online.

Deactivation of User ID

The Issuer/Program Owner has the discretion to deactivate a User Malaysia Truly Asia App ID, if the Account has not been used for a period defined by the Issuer. Also, the Issuer has the right to deactivate the Malaysia Truly Asia App login of the User due to unsatisfactory behavior in the account.

6. Cyber Crime

The Internet per se is susceptible to various cyber-crimes like phishing, vishing (Voice phishing), SMSing (phishing through SMS), compromise of User's system security, etc., that could affect Payment Instructions/other instructions to the Issuer. Whilst the Issuer shall endeavor to protect the interest of the customers, there cannot be any guarantee against such cyber-crimes and other actions that could affect Payment Instructions/other instructions to the Issuer from occurring, including but not limited to delay or failure in processing the instructions. The User shall separately evaluate all such risks and the Issuer shall not be held responsible for losses arising out of such cyber-crimes. The User understands that doing a Malaysia Truly Asia e-Wallet, Malaysia Truly Asia Mastercard Prepaid Card, and Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account transaction at a Cybercafe/shared computer terminal is risky and shall avoid using the services of a Cybercafe/shared computer terminal to do any Malaysia Truly Asia e-Wallet, Malaysia Truly Asia Mastercard Prepaid Card, and Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account transactions.

7. Errors Of Omission & Commission

The filling in of applicable data for transfer of funds and/or issue of Demand Drafts, cheques would require proper, accurate and complete details.

For instance, the customer is aware that:

• It would be required to fill in the correct account number of the person to whom the funds are to be transferred.
• It would be required to fill in the correct Prepaid Card number while topping up the value for a Prepaid Card.
• It would be required to fill in the correct details such as the name of the payee (who may or may not have an account with the Issuer), mailing address, amount of the transfer and the city/state where the transfer is payable.

In the event of any inaccuracy in this regard, the funds could be transferred to incorrect accounts and there is no guarantee of recovery of the same thereafter. The User shall therefore take all care to ensure that there are no mistakes and errors and that the information given by it to the Issuer in this regard is error-free, accurate, proper, and complete at all points of time. The User indemnifies the Issuer from any loss due to an error on its part. Credit will be affected based solely on the beneficiary account number information and the beneficiary's name particulars will not be used therefore. On the other hand, in the event of the User's account receiving an erroneous credit by reason of a mistake committed by some other person or for any other reason, the Issuer shall be entitled to reverse the erroneous credit at any time whatsoever without the User's consent. The User shall be liable and responsible to the Issuer and accede to accept the Issuer's instructions without questions for any unfair or unjust gain obtained by it as a result of the same.

8. Technology Risks

The site of the Issuer may require maintenance and during such time it may not be possible to process the request of the customers. This could result in delays and/or failure in the processing of instructions. The User understands that the Issuer disclaims all and any liability, whether direct or indirect, whether arising out of loss or otherwise arising out of any failure or inability by the Issuer to honour any customer instruction for whatsoever reason.

9. Joint Accounts

The Malaysia Truly Asia e-Wallet Account, Malaysia Truly Asia Mastercard Prepaid Card, and Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account do not support joint customers accounts at this moment.

10. Limits

The User is aware that the Issuer may from time to time impose maximum and minimum limits including daily limits on transfer of funds that may be transferred that can be issued by virtue of the payment instructions given hereunder. The User acknowledges that the same is to reduce the risks on the User. For instance, the Issuer may impose transaction restrictions within particular periods or amount restrictions within a particular period or even each transaction limits. The User shall be bound by such limits imposed and shall strictly comply with them. The Issuer shall put an appropriate message on the relevant page of the Site.

11. Charges

Please refer to the Product Disclosure Sheet for Charges in the use of the Malaysia Truly Asia e-Wallet Account in Section D.

12. Maintenance of sufficient e-Wallet funds

User shall ensure that there are sufficient funds (or drawing power for credit facilities) in any Account for transactions, and the Issuer shall not be liable for any consequences arising out of its failure to carry out the instructions due to inadequacy of funds and/or credit facilities provided always that Issuer shall at its sole discretion, be entitled to carry out the instructions notwithstanding such inadequacy without seeking the prior approval from or notice to User and the User shall be responsible to repay with interest the resulting overdraft, advance or credit thereby created and for all related costs and charges at the rates as may be determined by the Issuer. Issuer may, at its discretion, levy penal charges for non-maintenance of the minimum e-Wallet. Issuer may withdraw the provision of the Account, wholly or partly, if at any time the amount of deposit falls short of the required minimum as aforesaid and/or if the service charges remain unpaid, without giving any further notice to the User and/or without incurring any liability or responsibility whatsoever by reason of such withdrawal.

13. Right To Set Off And Lien

Issuer shall have the right of set off and lien, irrespective of any other lien or charge, present as well as future, on the account(s) held by User(s) or in any other account, to the extent of all outstanding dues, whatsoever arising from the use of the Account.

14. Funds Transfer

The User shall not use or attempt to use Account for funds transfer without sufficient funds in the relevant Malaysia Truly Asia e-Wallet and/or Malaysia Truly Asia Mastercard Prepaid Card account and/or Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account. The Issuer will endeavour to affect such funds transfer transactions received through Malaysia Truly Asia App provided there are sufficient funds available in the User's account. The Issuer shall not be liable for any omission to make all or any of the payments or for late payments due to circumstances beyond the control of the Issuer.

Funds Transfer Within Accounts Of The Issuer / To Other Banks' Accounts

The User accepts that it will be responsible for keying in the correct account number/other particulars of the beneficiary for the funds transfer request. In no case, the Issuer will be held liable for any erroneous transactions incurred arising out of or relating to the User entering wrong/incorrect/incomplete account number, information of the beneficiary and/or any other particulars.

If funds transfer is made available to the User, it may be used for transfer of funds between Users' own accounts and/or from User account to accounts belonging to third parties maintained at the Issuer and/or with other parties.

15. Merchant Payments

The Issuer provides the facility of payment for transactions executed on the Internet through different sites. The Issuer will execute such transactions and will be responsible for transferring the amount debited from the User's account to the Service/merchants' account. The Issuer shall not be held responsible for failure of such transactions. In no event shall the Issuer be held responsible/liable for any informational content provided on any such site or for any deficiency in the services/products offered by such sites.

The User may perform its purchases by presenting the MOTP, QR, Phone or touching the Sticker at authorised merchants of the Issuer. As for Mastercard Prepaid Card and Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account Cardholder, he/she can perform the transaction by touching the Malaysia Truly Asia Mastercard Prepaid Card at Merchant POS or let the merchants scan their Malaysia Truly Asia Mastercard Prepaid Card and Malaysia Truly Asia Mastercard Virtual Card Number (VCN) QR.

16. Transaction Processing Time

All the instructions created in Malaysia Truly Asia App are instantaneous transactions and if received before the cut-off time of the specified transaction, will be given effect to instantaneously unless until some processing work or maintenance activity is being done or some unavoidable circumstances beyond the control of the Issuer occur. E.g.: Fund Transfer, Third Party Fund Transfer, stop payment, etc.

17. Documents Required For Transaction Processing

The User shall be responsible for submitting necessary documents and information as the Issuer may require along with any request for any service under Malaysia Truly Asia App. If any request for a service is such that it cannot be given effect to unless it is followed up by requisite documentation, the Issuer shall not be required to act on the request until it receives such documentation from the User.

18. Authority To The Issuer

eMoney transactions in the User's account(s) are permitted through the Internet, only after authentication of the User-id and password of the User. The User irrevocably and unconditionally authorizes the Issuer to access all its account(s) for effecting eMoney and other transactions performed by the User through the Malaysia Truly Asia App. The instructions of the User shall be effected only when such information is in accordance with the prescribed procedure. The User grants express authority to the Issuer for carrying out the eMoney transactions performed/requested by the User through Malaysia Truly Asia App Services. The Issuer shall have no obligation to verify the authenticity of any transaction received from the User through Malaysia Truly Asia App or purported to have been sent by the User via Malaysia Truly Asia App, other than by means of verification of the User-id and the password. The display or printed output that is generated by the User at the time of operation of Malaysia Truly Asia App is a record of the operation of the Internet access and shall not be construed as the Issuer's record of the relative transactions. The Issuer's own records of transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes.

The Issuer may at any time without giving notice or reasons, suspend or terminate all or any of the Malaysia Truly Asia App or their use by the User.

19. Accuracy Of Information

A User shall provide such information as the Issuer may from time to time reasonably request for the purposes of providing the services. The User is responsible for the correctness of information supplied to the Issuer through the use of Malaysia Truly Asia App or through any other means such as electronic mail or written communication. The Issuer accepts no liability for the consequences arising out of erroneous/incomplete/incorrect information supplied by the User. If the User suspects that there is an error in the information supplied to the Issuer by it, it shall advise the Issuer at the earliest. The Issuer will endeavor to correct the error wherever possible on a 'best efforts' basis. If the User notices an error in the account information supplied to it through Malaysia Truly Asia App, it shall advise the Issuer at the earliest. The Issuer will endeavor to correct the error promptly and adjust any interest or charges arising out of the error.

20. Liability Of The User

The User shall be liable for:

• Non-compliance of Terms & Conditions mentioned herein.
• If it has breached the Terms & Conditions or contributed or caused the loss by negligent actions such as the following:
• In disclosing or failing to take all reasonable steps to prevent disclosure of the User- id and/or password to anyone including Issuer's staff and/or failing to advise the Issuer of such disclosure within a reasonable time.
• Not advising the Issuer within a reasonable time about unauthorized access to or erroneous transactions in the account(s) through the Malaysia Truly Asia App.

21. Liabilities Of The Issuer

The Issuer shall not be liable for any unauthorized transactions in the account(s) through the use of Malaysia Truly Asia App which can be attributed to the fraudulent or negligent conduct of the User.

The Issuer shall not be liable to the account holder(s) for any damages whatsoever whether such damages are direct, indirect, incidental, consequential and irrespective of whether any claim is based on investment or any other loss of any character or nature whatsoever and whether sustained by the account holder(s) or any other person, if Malaysia Truly Asia App access is not available in the desired manner for reasons including but not limited to natural calamity, fire and other natural disasters, legal restraints ,faults in the telecommunication network or Internet or network failure ,software or hardware error or any other reasons beyond the control of the Issuer.

The Issuer shall endeavour to take all possible steps to maintain secrecy and confidentiality of its customer account(s)/information but shall not be liable to the account holder(s) for any damages whatsoever caused on account of breach of secrecy/confidentiality due to reasons beyond the control of the Issuer.

Issuer, for valid reasons, may refuse to execute any instructions placed by the User.

The Issuer will in no way be held responsible or liable for delay, failure and/or untimely delivery of Mobile One Time Password and/or SMS Alerts due to but not limited to network congestions, network failure, systems failure or any others reasons beyond the reasonable control of the Issuer or its service provider(s).

Notwithstanding anything contained herein, where Issuer has reason to believe that any transaction or marking of liens, have been fraudulently made (hereinafter referred to as a "suspect transaction"), Issuer shall be entitled to withhold payment pertaining to such suspect transaction in accordance with regulatory laws relating to Money Laundering or otherwise. If Issuer determines after due enquiry and investigation that the transaction is a valid transaction and not a suspect transaction, Issuer shall release such withheld payment subsequently.

22. Indemnity

The User agrees to indemnify, hold harmless and defend Issuer and its affiliates against any loss and damages that may be caused from or relating to:

• Breach of Terms & Conditions mentioned herein.
• Improper use of the Malaysia Truly Asia App by the User.
• Any claims made by third parties arising from issues related to any failure, delay or interruption of the products and/or services as provided by the Issuer's Malaysia Truly Asia App due to any errors in the information provided by the User including misidentification of Recipient, incorrect account holder's name and account number.
• The use of products/ Malaysia Truly Asia App in any manner which violates the Terms & Conditions or otherwise violates any law, rule, conditions or regulation.

23. Disclosure Of Personal Information

The User agrees that the Issuer or its service providers may hold and process its Personal/Technical Information on Computer or otherwise in connection with Malaysia Truly Asia App as well as for statistical analysis. The User agrees that the Issuer may collect User system related information. The User also agrees that the Issuer may disclose, in strict confidence, to other institutions, such Personal Information as may be reasonably necessary for reasons inclusive of, but not limited to, the following:

• For participation in any electronic clearing network.
• In compliance with legal and/or Bank Negara Malaysia's directive.
• For fraud prevention purposes.

24. Amendments

The Issuer has the absolute discretion to amend or supplement any of the Terms & Conditions at any time, without prior notice. However, the Issuer will endeavour to notify the changes within 21 calendar days prior to the changes and variations take effect, by posting it on the Site or through advertisement or any other means as the Issuer may deem fit which will be binding on the User. The existence and availability of the new functionalities/facilities/features will be notified to the User as and when they are made available. By using these new services, the User agrees to be bound by the terms and conditions applicable there for.

25. Non-Transferability

The grant of facility of Malaysia Truly Asia App to a User is non-transferable under any circumstances and shall be used by the User only.

26. Proprietary Rights

The User acknowledges that the software underlying the Malaysia Truly Asia App as well as other Internet related software which are required for accessing Malaysia Truly Asia App is the legal property of the Issuer/respective service providers. The permission given by the Issuer to access Malaysia Truly Asia App will not convey any proprietary or ownership rights in the above software. The User shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software underlying Malaysia Truly Asia App or create any derivative product based on the software.

27. Proprietary And Intellectual Property Rights

The copyright, trademarks, logos, slogans and service marks displayed on the Site are registered and unregistered intellectual property rights of Issuer or of respective intellectual property right owners. Nothing contained on the Site should be construed as granting, by implication, estoppels, or otherwise, any license or right to use any intellectual property displayed on the Site without the written permission of Issuer or such third party that may own the intellectual property displayed on the Site.

The User should assume that everything it views or reads on the Site (collectively referred to as "content") is copyrighted/protected by intellectual property laws unless otherwise provided and may not be used, except as provided in the Terms & Conditions, without the prior written permission of Issuer or the relevant copyright owner.

Any breach of the restrictions on use provided in these terms is expressly prohibited by law and may result in severe civil and criminal penalties. Issuer shall be entitled to obtain equitable relief (including all damage, direct, indirect, consequential and exemplary) over and above all other remedies available to it, to protect its interests therein.

28. Third Party Links

The Site may provide hyperlinks to websites not controlled by the Site and such hyperlinks do not imply any endorsement, agreement on, or support of the content, products and /or services of such websites. The Site does not editorially control the content, products and /or services on such websites and shall not be liable, in any nature whatsoever, for the access to, or the inability to access to, or the use, inability to use or content available on or through such websites.

29. Termination Of Malaysia Truly Asia E-Wallet Account

The User may request for termination of the Account facility any time by giving a written notice. The User will remain responsible for transactions made on its account(s) prior to the time of such cancellation of the Account.

The Issuer may at its sole discretion, at any time without giving notice or reasons suspend or terminate all or any of the Accounts offered by the Issuer or the use by the User including for reasons such as:

• Breach of the Terms & Conditions by the User
• Knowledge or information about the death, bankruptcy or legal incapacity of the User.

30. Notices

Notices under the Terms & Conditions – Referring to the Malaysia Truly Asia E-Wallet Account, Malaysia Truly Asia Mastercard Prepaid Card or Virtual Mastercard Accounts Product Documentation to the User may be given through any medium of communication as may be deemed appropriate by the Issuer i.e. (the Site www.Malaysia Truly Asia.com.my) or email, sms, public notification through newspapers, radio, TV etc. Such notices will have the same effect as a notice served individually to each customer.

31. Force Majeure

The Issuer shall not be liable for delay in performing or failure to perform any of its obligations under the Terms & Conditions which is caused by circumstances beyond its reasonable control, including, but not limited to, the failure, malfunction or unavailability of telecommunications, data communications and computer systems and services, natural calamities, war, civil unrest, government action, strikes, lock-outs or other industrial action or trade disputes (whether involving the Issuer's employees or those of a third party). Any delay or failure of this kind will not be deemed to be a breach of the Terms & Conditions and the time for performance of the effected obligation will be extended by a period which is reasonable in the circumstances.

32. Disclaimer On The Digital Signature Act

The Issuer has adopted the mode of authentication of the User by means of verification of the User ID and or through verification of password or through any other mode of verification as may be stipulated at the discretion of the Issuer. The User hereby agrees/consents for the mode of verification adopted by the Issuer. The User agrees that the transactions carried out or put through by the aforesaid mode shall be valid, binding and enforceable against the User and shall not be entitled to raise any dispute questioning the transactions.

33. Disclaimer On Anti-Virus Update

The User needs to get its PCs/laptops/mobile phones scanned on a regular basis and be updated with the latest antivirus software available. The Issuer shall not be responsible in case of any data loss or theft due to the virus transmitted in the system through the usage of Malaysia Truly Asia App.

34. Malaysia Truly Asia Mastercard Prepaid Card Account And/ Or Malaysia Truly Asia Mastercard Virtual Card Number Account

The User is hereby notified that should it wish to avail itself of a Mastercard Prepaid Card and/or Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account, it may apply for an Malaysia Truly Asia Mastercard Prepaid Card and/or Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account, terms of operation and use of the Malaysia Truly Asia Mastercard Prepaid Card and/or Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account of which is available on the Site. For your information, the top-up amount or further reload amount of the Malaysia Truly Asia Mastercard Prepaid Card and/or Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account is not more than Ringgit Malaysia Ten Thousand (RM10,000-00) or US Dollar Two Thousand Five Hundred (USD2,500-00).

35. Governing Laws

The Terms & Conditions and/or operations in the accounts of the User maintained by the Issuer and/or the use of services provided through Malaysia Truly Asia App are construed to be governed in accordance with the laws in Malaysia. Issuer accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than that of Malaysia. The mere fact that Malaysia Truly Asia App can be accessed through Internet by a User from a country other than Malaysia shall not be interpreted to imply that the laws of the said countries govern the Terms & Conditions and/or the operations in the accounts of the User through Internet and/or the Use of Malaysia Truly Asia App. The User agrees to abide by prevailing laws in respect of Malaysia Truly Asia App applicable in Malaysia. It is the responsibility of the User to comply with any regulations prevailing in the country from where it is accessing the Internet.

All disputes shall be subject to the jurisdiction of the Courts in Kuala Lumpur (Malaysia). The Issuer however, may, in its absolute discretion commence any legal action or proceedings arising out of these terms in any other court, tribunal or other appropriate forum, and the User hereby consents to that jurisdiction.

C. MALAYSIA TRULY ASIA MASTERCARD PREPAID CARD AGREEMENT

This document constitutes the agreement ("Agreement") between you and ManagePay Services Sdn Bhd (Company No. 516641-W) ("ManagePay" which reference shall include where necessary all its associates and holding company) outlining the terms and conditions under which the Malaysia Truly Asia Mastercard Prepaid Card and/or Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account has been issued to you.

"Prepaid Card" means the Malaysia Truly Asia Mastercard Prepaid Card and/or Malaysia Truly Asia Mastercard Co-Branded Card and/or Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account issued to you by ManagePay and distributed and serviced by ManagePay. You may contact ManagePay Services by phone at 1-700-81-MPAY (6729) or by mail at No. 113, Jalan USJ 21/10, 47630 Subang Jaya, Selangor Darul Ehsan, Malaysia.

"Issuer" means ManagePay. The Malaysia Truly Asia Mastercard Prepaid Card is a prepaid card. The Prepaid Card is connected to your Malaysia Truly Asia e-Wallet Account. The Prepaid Card is not a credit card and will not enhance your credit rating. The Prepaid Card is not for resale. You will not receive any interest on your funds on the Prepaid Card. The funds on the Prepaid Card are not insured to you by ManagePay. You acknowledge and agree that the value on the Prepaid Card is limited to the funds that you have loaded onto the Prepaid Card or have been loaded onto the Prepaid Card on your behalf. The Prepaid Card is reloadable. All funds associated with the Prepaid Card shall be held by a Trusted Third Party appointed by ManagePay, in an account for your benefit, with the e-Wallet of such funds to be reduced through your use of such funds in accordance with the terms of this Agreement. You agree to sign the back of the Prepaid Card immediately upon receipt. Signing the back of the Prepaid Card, using the Prepaid Card, or allowing someone else to use the Prepaid Card, means that you accept and agree to be bound by this Agreement in its entirety. In this Agreement the terms "we," "us," and "our" mean the Issuer, ManagePay Services Sdn Bhd., our successors, affiliates and assignees and "you" or "your" mean anyone who has purchased or received the Prepaid Card or is authorized to use it. Our business days are Monday through Friday, excluding national public holidays 24/7 through the Malaysia Truly Asia Customer Service Department.

You should always keep a record of your Malaysia Truly Asia Mastercard Prepaid Card number and the Malaysia Truly Asia Customer Service Department phone number provided herein in case of loss or theft.

Using This Malaysia Truly Asia Mastercard Prepaid Card

You will have access to your funds within twenty-four (24) hours after the issuance. The Prepaid Card may be used when making purchases from merchants that accept Mastercard. We may decline authorization for any illegal transaction, including, but not limited to, any Internet gambling transaction. You agree not to use your Prepaid Card for any illegal transaction. At the time of each purchase using the Prepaid Card, you will be asked to enter a 6-digit PIN for the transaction. The amount in Ringgit Malaysia of the purchase will be deducted from the value of the Prepaid Card.

It is important for you to be sure that the balance of your Prepaid Card is sufficient to cover such amount. Petrol stations may also secure an authorization/approval on the Prepaid Card in excess of the estimated purchase amount to ensure that adequate funds are available to cover the final purchase. The entire amount of the authorization/approval will remain unavailable until the actual transaction posts to your Prepaid Card (typically within three (3) business days), although only the amount you actually authorize will be deducted from the value of the Prepaid Card.

Using This Prepaid Card at Petrol Stations

There are certain payment situations that may require special or additional steps to use your Prepaid Card. When using the Prepaid Card at an automated fuel dispenser ("pay at the pump"), simply insert your Prepaid Card and follow the instructions. If you pay at the pump, the merchant may pre-authorize the transaction amount up to RM200.00 or more. If the transaction is not completed, you will need to go inside and pay the attendant prior to pumping.

Mail, and Phone Order Purchases

Mail and phone order purchases may require that you enter CVC2 which is the 3-digit code on the back of your card. If you use your Prepaid Card number without presenting your Prepaid Card (such as for mail order or telephone purchase), the legal effect will be the same as if you used the Prepaid Card itself.

Returned or Exchanged Merchandise

If you are entitled to a refund for any reason for goods or services obtained with your Prepaid Card, you agree to accept credits to your Prepaid Card for such refunds and agree to the refund policy of that merchant. You agree that neither the Issuer or their employees or agents, are responsible for the services or merchandise purchased with the Prepaid Card or any damages resulting directly or indirectly from the use of the Prepaid Card. If you have a problem with merchandise or services purchased with a Prepaid Card, that problem needs to be resolved with the merchant at whose establishment the transaction was made. Exchange or return of merchandise purchased in whole or in part with the Prepaid Card will be governed by the procedures and policies of each merchant and applicable law. At the time of any exchange or return, you should present both the merchandise receipt and the Prepaid Card. If you receive a credit, the credit may not be added to the available funds on the Prepaid Card for seven (7) business days.

Receipts

You should get a receipt at the time you conduct a transaction using your Prepaid Card. This may be your only record of the transaction; you agree to retain your receipts for future reference to verify and reconcile your transactions.

Cash Access

You will be given a Personal Identification Number ("PIN") with your Prepaid Card upon request. You may use your Prepaid Card to obtain cash from an Automated Teller Machine ("ATM") via Mastercard Network, or by any other means.

Overuse/Overspending

Each time you use your Prepaid Card, you authorize us to reduce the value available in your Prepaid Card Account by the amount of the transaction and any applicable fees charged by the relevant merchant. Transactions that exceed the remaining Prepaid Card balance are prohibited and should be declined at the POS. If, notwithstanding an insufficient balance, an authorization is received by the merchant or the merchant uses other means to proceed with the transaction then you agree to reimburse us for any amount in excess of the Prepaid Card balance for such a transaction. Once the e-Wallet on this Prepaid Card reaches zero (0) all transactions will be declined.

For security reasons, we may limit the number or amount of transactions you can make with the Prepaid Card. You do not have the right to stop payment on any purchase or payment transactions that you originate through the use of the Prepaid Card. You may not make pre-authorized regular payments from your Prepaid Card. If you authorize a transaction and fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days.

Responsibility for Use of Your Prepaid Card

You are responsible for all transactions initiated and fees incurred by use of your Prepaid Card, and for using your Prepaid Card according to the terms and conditions of this Agreement. If you permit another person to have access to your Prepaid Card or Prepaid Card number, we will treat this as if you have authorized such use and you will be liable for all transactions incurred by those persons. You may not request an additional Prepaid Card for another person.

Prepaid Card Expiration

The Prepaid Card plastic is valid through the expiration date shown on the front of the Prepaid Card or until the value on the Prepaid Card reaches zero, except where prohibited or modified by applicable law. The funds on the Prepaid Card do not expire. If there is a remaining balance after the expiration date shown on the front of the Prepaid Card, you can call +60327058510 or +60327058511 to request that a free replacement Prepaid Card be issued to you. The replacement Prepaid Card will have a value equal to the remaining e-Wallet of the expired Prepaid Card.

Customer Service/e-Wallet Inquiries

You are responsible for keeping track of the available Malaysia Truly Asia App on your Prepaid Card. Merchants generally will not be able to determine your available balance. It is important to know your available balance before making any transactions. To check the available balance on the Prepaid Card, review recent transactions, or obtain any other customer service at no charge, you may visit www.Malaysia Truly Asia.com.my or call +60327058510 or +60327058511 anytime, twenty-four (24) hours a day, seven (7) days a week. Customer Services for the Malaysia Truly Asia App and other Malaysia Truly Asia products is provided by ITMAX Berhad, a Malaysian company (Reg No 200201029763) with its primary place of business at 25th Floor, Menara TA ONE, 22 Jalan P Ramlee, 50250 Kuala Lumpur, Malaysia. ITMAX are authorised by ManagePay as the Program Owner to provide services to you.

Error Resolution Procedures

In case of any errors with respect to any Prepaid Card transaction, call the Malaysia Truly Asia Customer Service Department immediately at+60327058510 or +60327058511. You must call and notify us within thirty (30) days from the date of the transaction of any issues. If you need more information about error resolution procedures, please call the Malaysia Truly Asia Customer Service Department at +60327058510 or +60327058511 When you notify us, you must provide your name and Prepaid Card number, describe the error or transaction that you are unsure about, and explain as clearly as possible why you need further information.

We may require that you send the complaint or question in an affidavit signed by you, within ten (10) business days of your call to us. Generally, we will tell you the results of the investigation within ten (10) business days after hearing from you and will correct any error promptly. If we need more time, however, it may take up to forty-five (45) calendar days to investigate your complaint or question. For errors involving a new Prepaid Card, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question.

Prepaid Card Replacement/Liability for a Lost/Stolen Prepaid Card or Unauthorized Transaction

The Prepaid Card can be replaced for any reason. However, there are certain procedures and rules that must be met before we can replace your Prepaid Card in certain circumstances. If you become aware of and/or your transaction history shows a transaction that you did not authorize, notify us at once. You should call+60327058510 or +60327058511 immediately to report a Prepaid Card lost or stolen. You will be required to provide your name, the Prepaid Card number, original value, and transaction history. We reserve the right to require an affidavit signed by you and conduct an investigation into the validity of any request. Under the Mastercard Rules, your liability for unauthorized Mastercard transactions on your Prepaid Card is RM0.00 if you notify us within two (2) business days of the transaction at issue and you exercise reasonable care in safeguarding your Prepaid Card from loss, theft, or unauthorized use. This reduced liability does not apply if you have reported two (2) or more incidents of unauthorized use in the preceding twelve (12) month period.

If you notify us after two (2) business days, but within sixty (60) days, following any unauthorized transaction or after you learn of the loss or theft of your Prepaid Card, you could lose as much as RM1,500.00.

If you do not notify us within sixty (60) days after you learn of the loss or theft of your Prepaid Card, become aware of the unauthorized transaction and/or after the transaction history reflecting the unauthorized transaction was made available to you, you may not get back any value you lost after the sixty (60) days if we could have stopped someone from taking the value if you had promptly notified us of loss or theft of your Prepaid Card or of the unauthorized transaction.

Upon notice from you that your Prepaid Card has been lost or stolen, we will close your Prepaid Card account to help keep losses down and, upon your request, will issue you a replacement Prepaid Card with a fee. It may take up to thirty (30) days to process a request for a replacement Prepaid Card, however, we will endeavor to provide you with a replacement Prepaid Card on as timely a basis as is reasonable under the circumstances.

Liability for Failure to Complete Transactions

If we do not properly complete a Prepaid Card transaction on time or in the correct amount according to this Agreement, we may be liable for your losses and damages. However, we will not be liable under circumstances such as:

• If through no fault of ours, you do not have enough money on the Prepaid Card to cover a transaction;
• If a merchant refuses to accept your Prepaid Card;
• If the transaction would exceed the funds available on your Prepaid Card;
• If the terminal or system was not working properly;
• If access to your Prepaid Card has been blocked after you reported your Prepaid Card lost or stolen;
• If there is a hold or the funds on your Prepaid Card are subject to legal process or other encumbrance restricting their use;
• If we have reason to believe that the requested transaction is unauthorized;
• If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the transaction, despite reasonable precautions that we have taken;
• If the merchant authorizes an amount greater than the purchase amount; or
• As otherwise provided in this Agreement or by applicable law.

Revocation/Cancellation

The Prepaid Card will remain the property of the Issuer and we may revoke or suspend the Prepaid Card or this Agreement at any time without cause or notice. You must surrender a revoked Prepaid Card and may not use it to make purchases. You may cancel this Agreement by sending us a completed Service Request Form and returning the Prepaid Card to us. Your termination of this Agreement will not effect any of our rights or your obligations arising under this Agreement prior to termination. Any remaining balance will be sent to you by check as long as you return the Prepaid Card to, Malaysia Truly Asia Customer Service Department at ITMAX Berhad, 25th Floor, Menara TA One, 22, Jalan P. Ramlee.,50250 Kuala Lumpur, Malaysia. and provide your name and address.

No Warranty Of Availability Or Uninterrupted Use

From time to time Prepaid Card services may be inoperative, and when this happens, you may be unable to use your Prepaid Card or obtain information about your Prepaid Card Account available e-Wallet. Please notify us at the Call Center number stated herein if you have any problems using your Prepaid Card. You agree that neither ManagePay, ITMAX Berhad or their employees or agents are responsible for any interruption of service.

Website And Availability

You agree to act responsibly with regard to the website and its use. You will not violate any laws, interfere or disrupt computer networks, impersonate another person or entity, violate the rights of any third party, stalk, threaten or harass anyone, gain any unauthorized entry, or interfere with the website's systems and integrity.

We shall not bear any liability, whatsoever, for any damage or interruptions caused by any "computer viruses" that may effect your computer or other equipment. We advise the regular use of a reputable and readily available virus screening and prevention software.

Disclosure of Information to Third Parties

You irrevocably agree we may process (as defined under the Personal Data Protection Act 2010 ("PDPA") including disclose information to third parties about your Prepaid Card or Prepaid Card transactions:

• Where it is necessary for completing transactions;
• To verify the existence and condition of your Prepaid Card to a third party, such as merchant;
• To utilize services of third parties and affiliate entities who assist us in providing the Prepaid Card and related services;
• To comply with the PDPA, government agency rules, court orders, or other legal reporting requirements;
• If you owe us money or there are legal proceedings in connection with your Prepaid Card, in which case, information may be released to attorneys, accountants, collection bureaus, financial institutions, and others involved in collection, adjustment, settlement or reporting;
• To our employees, auditors, affiliates, service providers, or attorneys as needed;
• To protect against potential fraud and other crimes; or
• When otherwise permitted by law.

You also agree we may also share information about you and your Prepaid Card, based on our transactions and experiences with you, with our parent, affiliate and subsidiary companies.

Other Terms

Your Prepaid Card and your obligations under this Agreement is also subject to the terms and conditions set out in the Product Disclosure Sheet previously distributed to you. You may not assign this Agreement. We may transfer our rights under this Agreement. Use of your Prepaid Card is subject to applicable law and all applicable rules and customs of any other association involved in such transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, the validity or enforceability of any other provision of this Agreement shall not be effected. This Agreement will be governed by the laws of Malaysia. Time, wherever mentioned in this Agreement, shall be of the essence.

Amendment

We may, to the extent permitted by applicable law, amend the terms and conditions of this Agreement at any time by posting the amended terms on our website, www.Malaysia Truly Asia.com.my, and any such amendment shall be effective 21 calendar days upon such posting to the website. However, if the change is made for security purposes, you agree we can implement such change immediately, without prior notice to you and before such change may be posted to the website. The current Agreement is available at www.Malaysia Truly Asia.com.my.

Section Headings

Section headings in this Agreement are for convenience of reference only and shall not govern the interpretation of any provision of this Agreement.

English Language

This Agreement is in the English language. Should you wish to execute this agreement in Bahasa Malaysia language, we will gladly oblige.

Customer Service

For all customer service information regarding the Prepaid Card, please contact:

Malaysia Truly Asia Customer Service Department
ITMAX Berhad
25th Floor, Menara TA One
22, Jalan P. Ramlee.
50250 Kuala Lumpur, Malaysia.
Call Center: +60 192984896

This Agreement is 19 August 2024

D. MALAYSIA TRULY ASIA e-WALLET ACCOUNT PRODUCT DISCLOSURE SHEET

19 August 2024

Read this Product Disclosure Sheet before you decide to take up the Malaysia Truly Asia e-Wallet Account. Be sure to also read the general terms and conditions.

1. What is this product about?

Malaysia Truly Asia e-Wallet Account is an account that you can open online, anytime, and anywhere without going into a physical office, giving you immediate usage of the account. Once you have loaded funds into the account, it immediately allows you to send and receive money by keying in your friend's Malaysia Truly Asia e-Wallet account number, transfer funds to his/her Bank account, perform online and in-store purchases, pay bills, reload your mobile prepaid credit and more.

2. What do I get from this product and what are the limitations?

Online Purchases
Perform online purchases with ease via the Malaysia Truly Asia e-Wallet Account in the Malaysia Truly Asia App.
Note: Choose "virtual or physical card" as payment mode for transactions on third party websites.

Funds Transfer
You can transfer funds to any Malaysia Truly Asia e-Wallet Account or Malaysia Truly Asia Mastercard Prepaid Card or Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account whether to your own or to any third party via Malaysia Truly Asia e-Wallet by entering the recipient's Malaysia Truly Asia e-Wallet account number or Malaysia Truly Asia Mastercard Prepaid Card number or Malaysia Truly Asia Mastercard Virtual Card Number (VCN).

Discounts and Offers
Access to a dedicated benefits and discounts from Mastercard Priceless Experience, Priceless Specials and Last Miles Offers

Mastercard Gaming Exchange
Experience and access to Mastercard Gaming Exchange and Planet Tota

Spending Insights & Financial Literacy
Easily track where you spend your money and get infographics and reports based on your total spendings with Malaysia Truly Asia e-Wallet and Malaysia Truly Asia Mastercard Prepaid Card for better budget planning and financial decisions through our Financial Performance Module

Various Channels to Add Money to your Malaysia Truly Asia e-Wallet Account.
You can easily add money into your Malaysia Truly Asia e-Wallet Account from these channels –

• All fees and charges listed herein will be subjected to 8% Service Tax.
• The minimum reload amount is RM50.
• Individual top up via FPX or via Credit/ Debit Card is only applicable if user/ cardholder have a banking account with a local bank in Malaysia

Individual

Discounts & Privilege
Enjoy exclusive discounts and privileges at selected merchant partners when you pay with your Malaysia Truly Asia E-Wallet Account. Full list of discounts and privileges benefit can be found at Malaysia Truly Asia App.

Safety Measures
To protect against fraud, you will be required to enter your Malaysia Truly Asia Mastercard's PIN into your Malaysia Truly Asia e-Wallet App registered with the Issuer whenever funds transfers or purchases are made from your Malaysia Truly Asia Mastercard Prepaid Card.

e-Wallet Limit
The Malaysia Truly Asia App has a maximum limit of RM25,000 for Malaysia Truly Asia e-Wallet Account and maximum amount of RM10,000 can be transferred at any time.

Daily Transaction Limit
The maximum daily retail transaction and cash transaction limit is RM10,000 each.

3. What are my obligations?

• Applicants must be a minimum of 18 years old.
• Applicants must be a student of a Higher Learning Institutions in Malaysia.
• Applicants must own a registered mobile phone number and a mailing address in Malaysia. Additional supporting documents such as passport bio page/ Malaysia IC No and eVAL (Electronic Visa on Arrival) for foreign students/ University Offer Letter.
• No proof of income is required.
• Customer must take all reasonable precautions to prevent loss or theft of the Malaysia Truly Asia e-Wallet & Malaysia Truly Asia Mastercard Prepaid Card Account details. The customer shall freeze the card through the App or notify our Call Center by telephone, mail or WhatsApp immediately upon discovery of loss or theft.

4. What will I need to register for this product?

You do not have to present any physical documents. All you need to do is to register online via Malaysia Truly Asia App and upload the required documents for eKYC approval. You can download the Malaysia Truly Asia App at www.Malaysia Truly Asia.com.my

5. What fees and charges do I have to pay?

Malaysia Truly Asia E-Wallet Account Fees & Charges:
*All fees and charges listed herein will be subjected to 8% Service Tax.

6. What if I fail to fulfill my obligations?

You are responsible for maintaining adequate security and control of your User ID, Password, MOTP, PIN or any codes that you will use to access the Malaysia Truly Asia E-Wallet Account. You must notify our Call Center immediately upon discovering that your PIN number or any codes, usernames and passwords is compromised via email, call or WhatsApp. We have the right to terminate your Malaysia Truly Asia E-Wallet Account if you fail to abide by these Terms and Conditions.

7. What are the major risks?

You can block the account through the Malaysia Truly Asia App yourself or notify us immediately after finding out that your Malaysia Truly Asia e-Wallet Account or PIN number or any codes, usernames and passwords have been compromised, or if you suspect that an unauthorised transaction has been conducted on your Malaysia Truly Asia e-Wallet Account for us to block your account.

8. What happens if the Issuer, "Manage Pay" fails?

The funds in user(s) of Malaysia Truly Asia e-Wallet Account are held in a trust account managed by a trust company ("Trust Account") appointed by ManagePay. In the event that ManagePay voluntarily decides to exit in carrying out its business operations as an Issuer, ManagePay will make necessary arrangement to facilitate handover / takeover of its issuing operations by another Issuer ("new Issuer") acceptable to and to be approved by Bank Negara Malaysia ("BNM"), in an orderly manner subject to a minimum 3 months prior notice to its users and the cardholders or such other period as may be agreed by BNM. The new Issuer shall continue to honour the obligations including the terms and conditions stipulated in the existing terms and conditions as set-out in the ManagePay Product Documentation. No material changes or variation shall be made to any part of the ManagePay Product Documentation and/or Product Disclosure Sheet until the user(s) of Malaysia Truly Asia E-Wallet Account have decided to cease using the accounts or the new Issuer has notified the user(s) of Malaysia Truly Asia E-Wallet Account on the change of these accounts to a new e-money facility (online e-Wallet) offered by the new Issuer. Until a new trust account(s) is set up by the new Issuer, all funds held in the existing trust account(s) established and maintained with the licensed financial institution(s) shall remain unchanged. However, should ManagePay unable to find a new Issuer acceptable to BNM to take-over its Issuing operation, ManagePay shall cease accepting new applications from the user(s) of Malaysia Truly Asia E-Wallet Account, will continue to manage its issuing operations until all its user(s) of Malaysia Truly Asia E-Wallet Account have decided to cease using the account. Only then ManagePay will cease operation.

9. What do I need to do if there are changes to my contact details?

It is important that you inform us of any changes in your contact details to ensure that all correspondence reach you in a timely manner. This can be done by changing the contact details through Malaysia Truly Asia App or contacting the Malaysia Truly Asia Customer Service Department to update your contact details.

10. Where can I get further information?

For more information, please contact us at:

Malaysia Truly Asia Customer Services: +60 192984896
OR
Email: Support@malaysiatrulyasia.my
OR
WhatsApp Chat: +60 192984896

If you wish to lodge any complaints, please contact to our representatives or
Write to us:

Malaysia Truly Asia Customer Service Department
ITMAX Berhad
25th Floor, Menara TA One
22, Jalan P. Ramlee.
50250 Kuala Lumpur, Malaysia.

If our reply to your query or complaint is not satisfactory to you, you may contact Bank Negara Malaysia LINK or TELELINK at:

Address:
Block D, Bank Negara Malaysia
Jalan Dato'Onn 50480 Kuala Lumpur
Tel: 1 300 885 465
Fax: +603-2174 1515
Email: bnmtelelink@bnm.gov.my

The information in this disclosure sheet is valid as of 19 August 2024

E. MALAYSIA TRULY ASIA MASTERCARD PREPAID CARD PRODUCT DISCLOSURE SHEET

19 August 2024

Read this Product Disclosure Sheet before you decide to take up the Malaysia Truly Asia Mastercard Prepaid Card. Be sure to also read the general terms and conditions.

1. What is this product about?

When you open a Malaysia Truly Asia Wallet online, we offer you the option to own a physical Malaysia Truly Asia Mastercard Prepaid Card for in-store purchases at all domestic and worldwide Mastercard merchants as well as cash withdrawals via ManagePay ATM and/or other Bank's ATM with Mastercard Network. You can only own one (1) Malaysia Truly Asia Wallet and 1 (one) Malaysia Truly Asia Mastercard Prepaid Card and 1(0ne) Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account at any point in time.

2. What do I get from this product and what are the limitations?

In-store Purchase
The Malaysia Truly Asia Mastercard Prepaid Card can be used to pay for goods and services at accepted Mastercard merchants domestically and worldwide.

Online Purchases
Perform online purchases with ease via Malaysia Truly Asia Mastercard Prepaid Card on all websites.
Note: Choose "prepaid/ debit/ credit" as payment mode for transactions on third party websites.

Pre-Authorisation
Amount for Petrol Transactions at the Outdoor Pump (applicable to Malaysia Truly Asia Mastercard Prepaid Card)
A pre-authorisation amount of RM200 is charged to the Malaysia Truly Asia Mastercard Prepaid Card for petrol purchases at the outdoor pump in petrol stations. The pre-authorisation amount will then be reversed, and the actual amount will be charged to your Malaysia Truly Asia Mastercard Prepaid Card upon settlement by the merchant within 3 days. Alternatively, you may opt to pay at the cashier to avoid the pre-authorisation holding amount.

Various Channels to Add Money to your Malaysia Truly Asia Mastercard.
You can easily add money into your Malaysia Truly Asia Mastercard Prepaid Card from these channels –

• All fees and charges listed herein are subjected to 8% Service Tax.
• The minimum reload amount is RM50
• Individual top up via FPX or via Credit/ Debit Card is only applicable if user/ cardholder has a banking account with a local bank in Malaysia

Cash Withdrawals
You can withdraw cash at other banks' ATMs via Mastercard Network with your Malaysia Truly Asia Mastercard Prepaid Card. For Malaysia Truly Asia Wallet App users, cardholders need to key-in the last 4-digits of the Malaysia Truly Asia Mastercard's Prepaid Card number and the 10-digits secure code (imprinted on the Card Carrier) to activate the prepaid card. Thereafter, cardholders need to self-create a 6-digits PIN for the Malaysia Truly Asia Mastercard Prepaid Card and verify the PIN. For cardholders without a Malaysia Truly Asia Wallet App, cardholders may create the 6-digits PIN for the Malaysia Truly Asia Mastercard Prepaid Card and verify the PIN using card enrolment process available in the Malaysia Truly Asia App.

Discounts & Privileges
Enjoy exclusive discounts and privileges at selected merchant partners when you pay with your Malaysia Truly Asia Mastercard Prepaid Card. A full list of discounts and privileges benefit can be found in the Malaysia Truly Asia App.

Safety Measures
To protect against fraud, you will be required to enter your Malaysia Truly Asia Mastercard's Prepaid Card PIN into your Malaysia Truly Asia Wallet App registered with the Issuer whenever funds transfers or purchases are made from your Malaysia Truly Asia Mastercard Prepaid Card.

Account Limit
The Malaysia Truly Asia Mastercard Prepaid Card has a maximum account limit of RM10,000 at any time.

Daily Transaction Limit
The maximum daily retail transaction and cash transaction limit is RM10,000 each.

3. What are my obligations?

• Applicants must be a minimum of 18 years old.
• Applicants must be a student of higher learning institutions in Malaysia.
• Applicants must own a registered mobile phone number and a mailing address in Malaysia. Additional supporting documents such as passport bio page/ Malaysia IC No and eVAL (Electronic Visa on Arrival) for foreign students/ University Offer Letter.
• No proof of income is required.
• Customer must take all reasonable precautions to prevent loss or theft of the Malaysia Truly Asia Mastercard Prepaid Card details. The customer shall notify our Malaysia Truly Asia Customer Service Department by telephone, WhatsApp or email immediately upon discovery of loss or theft and confirm the same in writing to our Malaysia Truly Asia Customer Service Department.

4. What will I need to register for this product?

You do not have to present any physical documents. All you need to do is to register online Malaysia Truly Asia App and upload the required documents for eKYC approval. You can download the Malaysia Truly Asia App at www.Malaysia Truly Asia.com.my.

5. What fees and charges do I have to pay?

Malaysia Truly Asia Mastercard Prepaid Card Fees & Charges:
*All fees and charges listed herein are subjected to 8% Service Tax.

6. What if I fail to fulfill my obligations?

You are responsible for maintaining adequate security and control of your User ID, Password, MOTP, PIN or any codes that you will use to access the Malaysia Truly Asia Mastercard Prepaid Card. In managing your Malaysia Truly Asia Mastercard Prepaid Card, you must always exercise reasonable care in safeguarding your card from loss and theft. You must notify our Malaysia Truly Asia Customer Service Department immediately upon discovering that your card is lost or stolen or PIN number is compromised and follow up with a written confirmation together with a copy of your police report. You are fully liable for all unauthorised ATM and retail transactions resulting from the lost or stolen Malaysia Truly Asia Mastercard Prepaid Card. We have the right to terminate your Malaysia Truly Asia Mastercard Prepaid Card if you fail to abide by the Terms and Conditions of Malaysia Truly Asia Mastercard App.

7. What are the major risks?

You can block the account through the Malaysia Truly Asia App yourself or notify us immediately after finding out that your Malaysia Truly Asia Mastercard Prepaid Card or PIN number or any codes, usernames and passwords have been compromised, or if you suspect that an unauthorised transaction has been conducted on your Malaysia Truly Asia Mastercard Prepaid Card Account for us to block your account.

8. What is it mean by Malaysia Truly Asia Mastercard with contactless feature?

If the face of your Malaysia Truly Asia Mastercard Prepaid Card displays the Contactless Indicator, it means that your Malaysia Truly Asia Mastercard Prepaid Card is enabled with contactless feature. If you see the Mastercard contactless symbol displayed at the retailer or merchant's point-of-sales (POS) terminals, you can tap your card on the contactless reader to complete a payment transaction up to RM250. Entering your PIN to authorise the payment transaction is not required. For transactions above RM250, you need to enter your PIN to approve the transactions. If you wish to lower your contactless payment / transaction limit or to turn off your contactless payment functionality, please contact our Malaysia Truly Asia Customer Service Department at +603-27058510 or +603-27058511 or email your request to Support@malaysiatrulyasia.my.

9. What happens if ManagePay fails?

The funds in Malaysia Truly Asia Mastercard Prepaid Card Account or any other type of account so designated by the Issuer are held in a trust account managed by a trust company ("Trust Account") appointed by ManagePay. In the event that ManagePay voluntarily decides to exit in carrying out its business operations as an Issuer, ManagePay will make necessary arrangement to facilitate handover / takeover of its issuing operations by another Issuer ("new Issuer") acceptable to and to be approved by Bank Negara Malaysia ("BNM"), in an orderly manner subject to a minimum 3 months prior notice to its users and the cardholders or such other period as may be agreed by BNM. The new Issuer shall continue to honour the obligations including the terms and conditions stipulated in the existing terms and conditions as set-out in the ManagePay Product Documentation. No material changes or variation shall be made to any part of the ManagePay Product Documentation and/or Product Disclosure Sheet until the cardholder of Malaysia Truly Asia Mastercard Prepaid Card Account have decided to cease using the accounts or the new Issuer has notified the cardholder of Malaysia Truly Asia Mastercard Prepaid Card Account on the change of these accounts to a new e-money facility (prepaid card) offered by the new Issuer. Until a new trust account(s) is set up by the new Issuer, all funds held in the existing trust account(s) established and maintained with the licensed financial institution(s) shall remain unchanged. However, should ManagePay unable to find a new Issuer acceptable to BNM to take-over its Issuing operation, ManagePay shall cease accepting new applications from cardholder of Malaysia Truly Asia Mastercard Prepaid Card Account continue to manage its issuing operations until all its cardholder of Malaysia Truly Asia Mastercard Prepaid Card Account have decided to cease using the accounts. Only then ManagePay will cease operation.

10. How can I get the replacement for the card?

Replacement cards can be obtained upon request to the Malaysia Truly Asia Customer Service Department. There will be a replacement fee of RM30.00 (Inclusive of 8% Goods and Services Tax) for the replacement card.

11. What do I need to do if there are changes to my contact details?

It is important that you inform us of any changes in your contact details to ensure that all correspondence reach you in a timely manner. This can be done by changing the contact details through Malaysia Truly Asia App or contacting the Malaysia Truly Asia Customer Service Department to update your contact details.

12. Where can I get further information?

For more information, please contact us at:

Malaysia Truly Asia Customer Service Department : +60 192984896
OR
Email: Support@malaysiatrulyasia.my
OR
WhatsApp Chat: +60 192984896

If you wish to lodge any complaints, please contact to our representatives or
Write to us:

Malaysia Truly Asia Customer Service Department
ITMAX Berhad
25th Floor, Menara TA One
22, Jalan P. Ramlee.
50250 Kuala Lumpur, Malaysia.

If our reply to your query or complaint is not satisfactory to you, you may contact Bank Negara Malaysia LINK or TELELINK at:

Address:
Block D, Bank Negara Malaysia
Jalan Dato'Onn 50480 Kuala Lumpur
Tel: 1 300 885 465
Fax: +603-2174 1515
Email: bnmtelelink@bnm.gov.my

The information in this disclosure sheet is valid 19 August 2024

F. MALAYSIA TRULY ASIA MASTERCARD VIRTUAL CARD NUMBER (VCN) ACCOUNT PRODUCT DISCLOSURE SHEET

19 August 2024

Read this Product Disclosure Sheet before you decide to take up the Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account. Be sure to also read the general terms and conditions.

1. What is this product about?

When you open a Malaysia Truly Asia e-Wallet Account online, we offer you the option to own a Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account for online purchases at all domestic and worldwide Mastercard merchants. You can only own one (1) Malaysia Truly Asia Wallet Account and one (1) Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account at any point in time.

2. What do I get from this product and what are the limitations?

Online Purchases
Perform online purchases with ease via Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account on all websites. Note: Choose "prepaid/ debit/credit card" as payment mode for transactions on third party websites.

In-store Purchase for merchants powered with MasterPass QR
The Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account can be used to pay for goods and services at Mastercard accepted merchants domestically and worldwide.

Various Channels to Add Money to your Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account.
You can easily add money into your Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account from these channels –

Credit Card/Debit Card Top Up:

• All fees and charges listed herein are subjected to 8% Service Tax.
• The minimum reload amount is RM50
• Individual top up via FPX or via Credit/ Debit Card is only applicable if user/ cardholder has a banking account with a local bank in Malaysia

Discounts & Privileges
Enjoy exclusive discounts and privileges at selected merchant partners when you pay with your Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account. Full list of discounts and privileges benefit can be found at Malaysia Truly Asia App.

Safety Measures
To protect against fraud, you will be required to enter your Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account's PIN into your Malaysia Truly Asia Wallet App registered with the Issuer whenever funds transfers or purchases are made from your Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account.

e-Wallet Limit
The Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account has a maximum wallet limit of RM10,000 at any time.

Daily Transaction Limit
The maximum daily retail transaction and cash transaction limit is RM10,000 each.

3. What are my obligations?

• Applicants must be a minimum of 18 years old.
• Applicants must be a student of higher learning institutions in Malaysia.
• Applicants must own a Malaysia-registered mobile phone number and a mailing address in Malaysia. Additional supporting documents that give details of applicant addresses and/or existing bank accounts are preferred.
• No proof of income is required.
• Customers must take all reasonable precautions to prevent loss or theft of the Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account details. The customer shall notify our Call Center by telephone, fax or email immediately upon discovery of loss or theft and confirm the same in writing to our Call Center.

4. What will I need to register for this product?

You do not have to present any physical documents. All you need to do is to register online Malaysia Truly Asia App and upload the required documents for eKYC approval. You can download the Malaysia Truly Asia App at www.Malaysia Truly Asia.com.my.

5. What fees and charges do I have to pay?

Malaysia Truly Asia Mastercard Virtual Card Number Account Fees & Charges:
*All fees and charges listed herein are subjected to 8% Service Tax.

6. What if I fail to fulfill my obligations?

You are responsible for maintaining adequate security and control of your User ID, Password, MOTP, PIN or any codes that you will use to access the Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account. In managing your Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account, you must always exercise reasonable care in safeguarding your card from loss and theft. You must notify our Call Center immediately upon discovering that your card is lost or stolen, or PIN number is compromised and follow up with a written confirmation together with a copy of your police report. You are fully liable for all unauthorised ATM and retail transactions resulting from the lost or stolen Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account details. We have the right to terminate your Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account if you fail to abide by the Terms and Conditions of Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account.

7. What are the major risks?

You can block the account through the Malaysia Truly Asia App yourself or notify us immediately after finding out that your Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account details is lost or stolen, or your PIN number or any codes, usernames and passwords have been compromised, or if you suspect that an unauthorised transaction has been conducted on your Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account for us to block your account/card.

8. What happens if ManagePay fails?

The funds in Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account or any other type of account so designated by the Issuer are held in a trust account managed by a trust company ("Trust Account") appointed by ManagePay. In the event that ManagePay voluntarily decides to exit in carrying out its business operations as an Issuer, ManagePay will make necessary arrangement to facilitate handover / takeover of its issuing operations by another Issuer ("new Issuer") acceptable to and to be approved by Bank Negara Malaysia ("BNM"), in an orderly manner subject to a minimum 3 months prior notice to its users and the cardholders or such other period as may be agreed by BNM. The new Issuer shall continue to honour the obligations including the terms and conditions stipulated in the existing terms and conditions as set out in the ManagePay Product Documentation. No material changes or variation shall be made to any part of the ManagePay Product Documentation and/or Product Disclosure Sheet until the cardholder of Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account have decided to cease using the accounts or the new Issuer has notified the cardholder of Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account on the change of these accounts to a new e-money facility (prepaid card) offered by the new Issuer. Until a new trust account(s) is set up by the new Issuer, all funds held in the existing trust account(s) established and maintained with the licensed financial institution(s) shall remain unchanged. However, should ManagePay unable to find a new Issuer acceptable to BNM to take-over its Issuing operation, ManagePay shall cease accepting new applications from cardholder of Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account continue to manage its issuing operations until all its cardholder of Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account have decided to cease using the accounts. Only then ManagePay will cease operation.

9. How can I get the replacement for the Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account?

Replacement of Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account can be obtained upon request to the Call Centre. There will be a replacement fee of RM10.00 (Inclusive of 0% Goods and Services Tax) for the replacement Malaysia Truly Asia Mastercard Virtual Card Number (VCN) Account.

10. What do I need to do if there are changes to my contact details?

It is important that you inform us of any changes in your contact details to ensure that all correspondence reach you in a timely manner. This can be done by changing the contact details through Malaysia Truly Asia App or contacting the Malaysia Truly Asia Customer Service Department to update your contact details.

11. Where can I get further information?

For more information, please contact us at:

Malaysia Truly Asia Customer Service Department : +60 192984896
OR
Email: Support@malaysiatrulyasia.my
OR
WhatsApp Chat: +60 192984896

If you wish to lodge any complaints, please contact to our representatives or
Write to us:

Malaysia Truly Asia Customer Service Department
ITMAX Berhad
25th Floor, Menara TA One
22, Jalan P. Ramlee.
50250 Kuala Lumpur, Malaysia.

If our reply to your query or complaint is not satisfactory to you, you may contact Bank Negara Malaysia LINK or TELELINK at:

Block D, Bank Negara Malaysia
Jalan Dato'Onn 50480 Kuala Lumpur
Tel: 1 300 885 465
Fax: +603-2174 1515
Email: bnmtelelink@bnm.gov.my

The information in this disclosure sheet is valid as of 24 June 2024