AmBank / AmIslamic Bank

Balance Transfer FlexiFlexi- Payment Plan (BTFPP) & QuickCash (QC) - 8.99% p.a @ 36 months (HTC Flyer) Flyer)

Frequently Asked Questions (FAQs)

May 2011 2011

Balance Transfer FlexiFlexi- Payment Plan (BTFPP) & QuickCash (QC) - 8.99% p.a @ 36 months (HTC Flyer) Flyer) Q1 What is the BTFPP and QC campaign all about? Customers can get a Free Gift and enjoy attractive rates when they consolidate their outstanding balances from their other credit cards via: i) transfer of outstanding balances from other accounts (credit / charge card or personal financing account) or ii) QuickCash the amount into any savings / current account Customers get to settle the BTFPP/QC amount in 36 monthly instalments. Q2 What is the interest/profit? How is the interest/profit calculated? This is a one time interest/profit of 8.99% p.a, calculated upfront on the principal amount and will be billed over 36 months with the BTFPP/QC instalment amount. Example: For approved BTFPP amount of RM5,000, the monthly instalment is computed as follows: (RM15,000+(RM15,000 x 8.99% x 3 years))/36 months = RM529.04. What is the promotion period for this campaign? This campaign is valid until 31 October 2011. What are the card product types applicable for this campaign? All Conventional & Islamic cards, including Staff Card. Who is eligible to apply for this BTFPP/QC? All new and existing AmBank / AmIslamic Bank principal Cardmembers are eligible to apply, including staff. How do I apply for this BTFPP/QC? You must complete the application form to apply for BTFPP. For QC, you may complete the application form or call 1300 80 8888 (Domestic) and (603) 2178 8888 (Overseas) to apply. Is there a new application form specifically for this campaign? Yes, Cardmembers must apply under the new BTFPP/QC application form to qualify for the gift. There is one form, combined for both conventional and Islamic BTFPP/QC application What is the minimum amount for BTFPP/QC per application? Minimum amount for BTFPP/QC per application is RM1,000. However, to be eligible for the free gift HTC Flyer, the minimum BTFPP/QC amount is RM15,000. Are there any AmBonus points granted under this promotion? No. AmBonus points will not be granted for BTFPP/QC transactions. Is there any early settlement fee charged if I perform early settlement within the 36 months payment period? Yes, an early settlement fee of RM100 will be imposed if early settlement is effected prior to maturity date and all outstanding monthly instalments together with the interest/profit shall become immediately due and payable. Can AmBank group staff apply? Yes, provided they are AmBank / AmIslamic Bank Cardmembers. Can I apply for multiple BTFPP/QC? Yes, provided there is available card limit
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AmBank / AmIslamic Bank

Balance Transfer FlexiFlexi- Payment Plan (BTFPP) & QuickCash (QC) - 8.99% p.a @ 36 months (HTC Flyer) Flyer)

Frequently Asked Questions (FAQs)

May 2011 2011

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What are the gift that I will be entitled to? You will get HTC Flyer with a BTFPP/QC amount of RM15,000 Do I need to fill in separate form to request for multiple gifts? No. You can choose your multiple gifts in one application form. If I perform a RM7,000 BTFPP and another RM8,000 QC, will I be eligible for the gift? No. The gift will only be given for a full eligible amount for BT or QC respectively. There will be no gift for a combined amount of Balance Transfer or QuickCash. How do I redeem the gift? Gifts will be sent to your mailing address via courier service. Will there be any charges for the gift delivery? Yes, the delivery charges shall be billed to your card account upon successful delivery

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Gifts
HTC Flyer

Peninsular Msia
RM40

East Msia
RM55

The delivery charges are subject to change.

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How long does the courier service take? Gift will be couriered within 6 to 8 weeks from the date of BTFPP/QC approval. Can I self-collect the gift(s)? No. Gift(s) will be delivered via courier service to your mailing address. Can the gift be couriered overseas? No, we will only courier locally. How will I know when the gift will be delivered? The vendor will call you prior sending the gift, to confirm the delivery address and logistics (time & date, etc). Can I change the delivery address when vendor called to confirm the delivery address? Yes you may re-direct the vendor to deliver to another address. This is only for the gift delivery. If you need to change the mailing address for your monthly card statement, please call The Bank. If the first delivery is not successful after agreeing to the delivery arrangement with the vendor, can I make another request to change the delivery address? Yes, you can arrange with the vendor your next delivery address. However, please note that you will be charged again for the delivery if the gift has been sent out from the vendors office. (Note : Multiple delivery charges will be incurred if the delivery address is changed after the gift has been sent out from the vendors office)

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AmBank / AmIslamic Bank

Balance Transfer FlexiFlexi- Payment Plan (BTFPP) & QuickCash (QC) - 8.99% p.a @ 36 months (HTC Flyer) Flyer)

Frequently Asked Questions (FAQs)

May 2011 2011

Q24

Why is the delivery cost charged to me, the cardmember? As with any normal product delivery, cost shall be borne by customers. This is similar to most product purchased off-site which requires delivery e.g., purchases over the internet, mail order or telephone orders. Can I choose the colour of the gifts? No selection of colours is allowed. Who can I contact if the gifts are not in good working condition or need repairs? You may contact the respective service centres.

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Service Centres
HTC

Contact No
603-2145 7357

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AmBank / AmIslamic Bank

Balance Transfer FlexiFlexi- Payment Plan (BTFPP) & QuickCash (QC) - 8.99% p.a @ 36 months (HTC Flyer) Flyer)

Frequently Asked Questions (FAQs)

May 2011 2011

Special Balance Transfer Line Q1 What is this Special Balance Transfer Line program about ? The features of this campaign are: 1. An additional credit limit / card limit offered to customers for balance transfer use - Special Balance Transfer Line. Customers will enjoy 2 credit limits / card limits, the normal credit card limit / card limt for daily usage and another Special Balance Transfer Line What can I do with this Special BT Line? You can use this Special BT line for balance transfer, QuickCash, AmFlexi-Pay & 0% EPP eShopping Gallery transactions. You cannot use it for retail purchases, cash advance. Can I use this Special BT Line for cash advance or other retail transaction? No, this line is for balance transfer, QuickCash, AmFlexi-Pay & 0% EPP eShopping Gallery transaction use only. How do I qualify for this Special BT Line? If you earn above RM3,000 per month and meet the required credit ratings, you will be offered the Special BT Line on top of your normal credit card limit / card limit. How much is the Special Balance Transfer Limit offered? If you earn at least RM4,000 per month and meet the required credit ratings, you will enjoy a minimum BT Limit of RM10,000 and up to a maximum of RM50,000 How do I know I am offered this Special BT Line? You will be notified via a confirmation letter detailing the reference account no & the credit limit. Do you have a offer period for this special line? You are required to perform a balance transfer within 6 months from the date of the confirmation letter. Otherwise this Special BT Line will be withdrawn at the end of the 6 months. line? ? Will the Government Service Tax on credit card be levied on this special line No. It will not be levied with the card service tax. It is only levied on your normal principal and supplementary card. Will I get another physical credit card/cardcard/card -i for this? No, this is only an account to perform your balance transfer & QuickCash, AmFleixi-Pay And 0% EPP eShopping Gallery purchases. No physical card will be issued to you. How do I know how much to pay for the Special BT Line? A monthly statement will be sent to you detailing the transactions posted to the account, as per your existing card. Please indicate account reference number in your payment advice. Can I get the RM50 cash offered in this program? No. The offer is ended. Can I participate in the Win 100% Cash Rebate with Balance Transfer & QuickCash QuickCash Contest? No. This program is not valid with any on-going contest.

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