Issued by HSBC AMANAH MALAYSIA BERHAD 200801006421 (807705-X). The minimum amount for each Balance Transfer ("BT") application is RM1,000. The Eligible Cardholder shall pay the minimum payment of 5% of the outstanding balance which is part of the Minimum Monthly Payment due on or before the payment due date. The management fee is subject to HSBC Amanah's approval. The terms used herein are as defined in the
HSBC Amanah Balance Transfer Terms & Conditions.