The Bank shall take appropriate actions to ensure that Merchants do not impose any surcharge and/or minimum transaction amount for MyDebit transactions. The Bank shall disclose to cardholders any exemption given by an operator of a payment card network or Bank to impose a surcharge or minimum transaction amount when using MyDebit. The Bank shall ensure Merchants provide sufficiently clear and explicit information at the points-of-sale on the available channels for cardholders to lodge complaints on surcharging and minimum transaction amount practices.

(a) For the purpose of Clause 4.12, the Bank shall ensure that the Merchants who are exempted from the no surcharge or minimum transaction amount restriction to explicitly notify cardholders at the point-of-sales on;

i. their surcharge and/or minimum transaction amount practices; and

ii.the available channel for the cardholder to lodge a complaint;

(b) The Bank shall take immediate and appropriate actions on Merchants that do not disclose the information under Clause 4.12(a) or provide inaccurate, false or misleading information; and

(c) The Bank shall also address complaints received from cardholders in a timely manner, including by providing justifications to the cardholders on cases where exemptions are given to Merchants to impose a surcharge or set a minimum transaction amount.