PRODUCTDISCLOSURESHEET BANKISLAMMALAYSIABERHAD(98127X)PRODUCT:BANKISLAMCARDi(1/1/2012) IMPORTANT:READTHISPRODUCTDISCLOSURESHEETBEFOREYOUDECIDETOTAKEOUTTHEBANKISLAMCARDi.BESURETOALSOREADTHEGENERALTERMSAND CONDITIONS.SEEKCLARIFICATIONFROMYOURINSTITUTIONIFYOUDONOTUNDERSTANDANYPARTOFTHISDOCUMENTORTHEGENERALTERMS.

1. WhatisBankIslamCardi? BankIslamCardi(BIC)istheShariahcompliantcreditcardofferedbyBankIslamto allow customer for optimal way to pay when enjoying meals at restaurants, during travellingabroad,etc.undertheconceptofTawarruq.

2. WhatistheShariahconceptapplicable? Tawarruq Concept: It is the purchase of a commodity (i.e. the subject matter of tawarruq) on deferred payment basis by way of either bai musawamah or bai murabahah. The commodity is then sold for cash (wariq) to a party other than the originalseller.

b. ProfitCharge th Tier1 13.5%perannum fromthe13 month(withpromptsettlementof theminimumpaymentduefor12consecutivemonths) th Tier2 16% per annum from the 13 month (with prompt settlement of the payment due for 10 consecutive months or more in a 12 monthcycle) Tier3 17.5%perannum(doesnotfallwithintheabovecategories)

c. CashWithdrawalfee At Bank Islam 2.5% of the cash withdrawn or RM12.00 (whichever is ATM higher) At other Banks 3%ofthecashwithdrawnorRM50(whicheverishigheror ATMs variesfrombanktobank)

d. Internal transfer fee from Bank Islam Cardi to Bank Islam Savings or Current Account2.5%ofthetransferredamountorRM12.00(whicheverishigher). e. CardreplacementfeeaflatrateofRM50.00forallcardtypes f. Photocopy of statement request RM5.00 for every copy of statement request, whetherprincipalorsupplementarycard. g. Sales draft retrieval RM5.00 for photocopy of sales draft and RM20.00 for originalsalesdraft. h. Overseas Transaction fee Rate is determined by MasterCard Worldwide/Visa Worldwide on the date the transactions are received and/or processed by the bank.

3. WhatdoIgetfromBIC? a. BIC Financing Limit a Financing Limit with 2 times your salary (for income earners of RM24K RM36K) or 2.5 times your salary (for income earners of RM36Kandabove) b. Periodoffinancingfixedfor3years c. Choice of card consists of Classic, Gold, Platinum and World Card based on your minimumannualincome.

4. WhatarethefeaturesofBIC? a. No annual fee subject to a minimum of 12 transactions per annum without defaultinminimummonthlypayment. b. Nocompoundingprofitcharges c. 20day finance chargefree period i.e. No profit charge on retail transactions for 20daysfromthetransactionsdate. d. FreeTakafulcoverageonoutstandingbalance. e. 0.3%cashrebateonretailtransactions. f. Lowcashwithdrawalfee. g. 40%discountonwillwritingfeewithAmanahRayaBerhad

7. WhatifIfailtofulfillmyobligations? a. ImpositionofTawidhorLatePaymentCompensation HandlingFeeaspermitted by Shariah Advisory Council of Bank Negara Malaysia 1% on the outstanding balance or a minimum of RM5.00, whichever is higher, and capped to a maximumofRM50.00. b. BanksRighttosetoffintheeventofdefault,theBank,upon7daysnotification to Cardmember, may setoff any credit balance in the customers deposit account(s)againstanydebitbalanceintheBICaccount. c. Failure to commit to the minimum monthly payment will result in imposition of Tawidhandinabilitytoenjoythelowesttieredpricingi.e.13.5%.,viceversa.

5. Whataremyobligations? a. Customer is obliged to pay the minimum monthly payment i.e. 5% of the outstanding balance or a minimum of RM50.00 (whichever is higher) until full settlement of the outstanding balance. Should the financing tenure extended beyond the retirement age, the customer is still obliged to pay the minimum monthly payment of outstanding balance.However, the customer may opt at anytimetofullysettletheoutstandingbalance. b. Abidebythetermsandconditionsfortheuseofcard. c. SafeguardthecardandPersonalIdentificationNumber(PIN). d. Report lost card, theft, and disclosure of PIN to an unauthorized person or unauthorizeduseofthecardtoBankIslamwithoutunduedelay. e. Usethecardresponsibly,includingnotusingthecardforunlawfulactivity. f. Check the monthly statement and report any discrepancy to Bank Islam without unduedelay.

8. HowdoIpaymyoutstandingbalance? Bank Islam Card Centre is offering various channels and types of services to Cardmemberstomaketheirmonthlypayment: a. AutoDebitfromBankIslamSavingsorCurrentAccount b. InternetBankingFacilitiesviaBankIslamwebsiteatwww.bankislam.com.my. c. PaymentviaTAPMobileBankingi. d. CashviaCashDepositMachineoranyBankIslamCounter. e. Cheques Mail to Bank Islam Card Centre or drop at Bank Islam Cheque Deposit Machine. f. InterbankGIROfacilitiesthroughotherbanksdepositaccounts.

9. Whatarethemajorrisks? If you are paying minimum monthly payment, the profit charge and time taken to settletheoutstandingbalancewillincrease.Payinginfullbytheduedatewillavoid impositionofprofitchargeandTawidh.

10. Whatiftherearechangestomycontactdetails? You may contact Bank Islam Contact Centre at 03 26 900 900 or email at bankislamcard@bankislam.com.my

11. WherecanIgetfurtherinformation? YoumaycallBankIslamContactCentreat0326900900oremailtousorloginto ourwebsitewww.bankislam.com.my

6. WhatarethefeesandchargesIhavetopay? a. Annual fees (AF) waiver of AF is subject to a minimum of 12 transactions per annum without default in minimum monthly payment. Annual fee is excluding servicetaxofRM50forprimarycardorRM25forsupplementarycard. MasterCard Primary(RM) Supplementary(RM) World 777 333 Platinum 388 150 Gold 130 60 Classic 60 30 Visa Gold 130 60 Classic 60 30

12. OthersimilartypeofBankIslamCardi a. UiTMAlumniCardi

AgensiKaunselingDanPengurusanKredit(AKPK) AgensiKaunselingDanPengurusanKredithasbeenestablishedbyBankNegara Malaysiatoprovidefreeservicesonmoneymanagement,creditcounseling,financial educationanddebtrestructuringforindividuals.Forenquiry,pleasecall 1800882575oremailtoenquiry@akpk.org.my.

IMPORTANTNOTE:LEGALACTIONMAYBETAKENAGAINSTYOUIFYOUDO NOTKEEPUPPAYMENTSONYOURCREDITCARDiBALANCES

Theinformationprovidedinthisdisclosuresheetisvalidasat1/1/2012