Your Portfolio Summary

AHMAD KUSHAIRY BIN MOHAMAD Card Number 557758xxxxxx4959

NO 95 SPG 377 JLN BUKIT BILID Statement Date 16-FEB-2020
RPN BUKIT BERUANG Account Balance B$65.17 CR
TUTONG
Minimum Payment B$0.00
BRUNEI DARUSSALAM
TC3345 Payment Due Date 16-FEB-2020

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Customer Number Card Account Number Card Number

A1BBB25000175 A1BBB25000175064 557758xxxxxx4959

Card Type Total Customer Credit Limit Account Limit

MASTERCARD AUTODIRECT PREPAID B$2,000 B$0

Date of Date of Description Of Transaction Amount Amount

Transaction Processing FCY BND
Previous Statement on 15-JAN-2020 535.03 CR
16-JAN-2020 17-JAN-2020 RESTORAN AMINAH ARIF BSB BRN 21.50 21.50
19-JAN-2020 20-JAN-2020 HUA HO DEPARTMENT STORE BSB BN 117.48
31-JAN-2020 31-JAN-2020 NAZMI TEXTILES MALL BSB BN 30.00
31-JAN-2020 31-JAN-2020 BUNER TEXTILE MALL SDN B BSB BN 45.00
31-JAN-2020 31-JAN-2020 BUNER TEXTILE MALL SDN B BSB BN 52.00
04-FEB-2020 04-FEB-2020 AGODA.COM SINGAPORE SGP 203.88 203.88

Miscellaneous
SUB-TOTAL FOR THIS MONTH 0.00

ACCOUNT TOTAL BALANCE ON 16-FEB-2020 BND B$65.17 CR

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BONUS POINTS BROUGHT FORWARD 0
BONUS POINTS EARNED AT BAIDURI MERCHANTS (0.0 X) 3
BONUS POINTS EARNED AT NON-BAIDURI MERCHANTS (0.0 X) 2
EXTRA BONUS POINTS EARNED AT PARTICIPATING MERCHANTS 0
BONUS POINTS REDEEMED 5
BONUS POINTS BALANCE 0

TOTAL BONUS POINTS 5 CONVERTED TO BAIDURI DOLLAR 0.50

TRANSFERRED TO MASTERCARD CASH CARD No. 557758xxxxxx4959
IN NEED OF FINANCIAL ASSISTANCE TO MEET UNEXPECTED EXPENSES? PLEASE CALL US AT 2449666.
TERMS AND CONDITIONS APPLY.

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1. ACCOUNT SETTLEMENT.
Settlement of your Baiduri Bank Card account can be made in the following ways :-
(a) Cash or cheque payment at Baiduri Bank
Payment can be made at any of our branch by cash or by crossed cheque made payable to BAIDURI BANK CARD CENTRE.
Use separate repayment slips for different accounts. For cheque payments, please write your Baiduri America
Express/Visa/MasterCard Card account number on the reverse of your cheque.
(b) Cheque payment by Post
Cheque should be crossed and made payable to BAIDURI BANK CARD CENTRE. Please write your Baiduri American
Express/Visa/MasterCard Card account number on the reverse of your cheque.
(c) Payment transfer through Baiduri Bank ATM / i-Banking
(d) Payment by Direct Debit (Standing Instruction)
By special arrangement with the bank, your payment may be made by deducting from your designated Baiduri Bank Account before
the due date.

2. DISPUTED TRANSACTION.
Any transaction under dispute should be settled before payment due date to avoid finance charges from occurring. Credit adjustment will
be provided where due.

3. AMOUNT PAYABLE.
At your payment due date you can either settle the minimum payment of 8% of the outstanding balance or any amount higher.

4. LATE PAYMENT.
Please ensure that your payment is made on or before the due date shown overleaf. By paying the minimum payment or the closing
balance on or before the due date, no overdue will be incurred. All late payments are subject to a BND35.00 charge FINANCE CHARGE.
You will enjoy FREE CREDIT only if you repay the full amount by the due date. However, if you do not pay in full, or your payment reaches
us after the due date, a finance charge will be levied on a daily basis at the rate of 1.5% per month.
i. On all new transaction from the date they are posted to the card account until payment or the next statement due whichever is
earlier
ii. On the Credit Balance from the statement date until any repayments are credited to the card account and thereafter on the reduced
balance until the next statement date when the finance charge for the proceeding month will be debited to the card account.

5. SERVICE CHARGE FOR INSUFFICIENT FUNDS.

Please ensure that you have sufficient funds in your bank account on the due date to cover your monthly payment. A rejected autopay fee
of BND15.00 will be charged for each card account for unsuccessful standing instruction. If your cheque is not honored for its full
amount, a returned cheque charge of BND100.00 will be levied as well as a credit card late payment charge of BND35.00.

6. RETRIEVAL FEE.
Please keep your monthly statement and retain copies of sales drafts for your own reference. Request for copies of sales drafts are
subject to a retrieval fee of BND10.00 per copy. Retrieval for current and up to 12 months statements is BND5.00 per cycle. For
statement above 12 months retrieval fee is BND10.00 per cycle.

7. CASH ADVANCES.
A cash advance fee of 3% of amount withdrawn or minimum BND10.00 whichever is higher is charged per transaction. Finance charges
will be levied at 1.5% per month withdrawn from the day the transaction is posted to your account until the date payment is made in full
or the next statement date, whichever is earlier.

8. REPLACEMENT FEE.
A replacement fee of up to BND25.00 will be levied for each card replaced upon your request; BND25.00 for each chip card and
BND15.00 for each non-chip card.

9. RE-ISSUANCE OF PIN.
A re-issuance fee of BND10.00 will be levied for each new PIN number request.

10. TEMPORARY LIMIT INCREASE REQUEST.

A temporary limit increase request fee of BND25.00 will be levied for each request.

11. UNCOLLECTED CARD.

A fee of BND20.00 will be levied for each card cancellation.

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12. CANCELLATION OF CARD RENEWAL.
A fee of BND20.00 will be levied for each card cancellation.

13. FOREIGN ADDRESS MAILING.

A mailing fee of BND50.00 will be levied per year.

14. 0% INSTALLMENT PLAN.

A processing fee of 3% amount utilised or minimum BND30.00 whichever is higher is charged per request for Gold and Classic cards.
Should there be a termination or an early settlement, a fee of BND100.00 will be levied and charged to your credit card account.

15. LOST/STOLEN CARDS.

If your card is lost or stolen, please call (673) 244 9666.

16. STATEMENT QUERIES.

Queries concerning any transaction appearing on your card statement must be made in writing to Baiduri Bank Card Centre within 14
days of statement date.

17. ENQUIRIES.
If you have any enquiries concerning your account, please call (673) 244 9666.
NOTICE: This email and any attachments are confidential and may also be privileged. If you are not the addressee, you may not copy,
disclose, forward, circulate or in any other way, use or rely on the information contained in this email or any attachment. If you have
received this message in error, please delete it and any attachment and all copies from your system and notify the sender immediately by
return email. Email/Internet transmission cannot be guaranteed to be timely, secure, error or virus-free as information could be
intercepted, corrupted, lost, destroyed, delayed, incomplete or contain viruses. Neither the sender nor Baiduri Bank Berhad or any of its
subsidiaries accept liability for any errors, omissions or damages caused by this transmission and attachments, if any. Baiduri Bank
Berhad or any of its subsidiaries may monitor Email/Internet transmission and traffic.

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