Notice of Amendments to the CIMB Online Banking Agreement

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Existing Clause	Revised Clause
Definitions "CIMB Clicks ID" or "User ID" a unique name selected by you the first time that you register for CIMB Online Banking consisting of no less than six (6) and no more than thirty-two (32) alphanumeric characters (which must be keyed in by you every time you log on), to allow CIMB Bank's online banking system to associate it with your CRN and CIMB Card Pin for verification and authentication purposes in order to grant you access to CIMB Online Banking. "CRN" means the sixteen-digit number of a CIMB debit card or CIMB credit card as assigned by CIMB Bank or CIMB Islamic Bank linked to your Account with CIMB Bank or CIMB Islamic Bank and which must be keyed in together with your CIMB Card Pin the first time you register for CIMB Online Banking.	Definitions "CIMB Clicks ID" or "User ID" a unique name selected by you the first time that you register for CIMB Online Banking consisting of no less than six (6) and no more than thirty-two (32) alphanumeric characters (which must be keyed in by you every time you log on), to allow CIMB Bank's online banking system to associate it with your CRN and CIMB Card Pin or ID type and ID number for verification and authentication purposes in order to grant you access to CIMB Online Banking. "CRN" means the sixteen-digit number of a CIMB debit card or CIMB credit card as assigned by CIMB Bank or CIMB Islamic Bank linked to your Account with CIMB Bank or CIMB Islamic Bank and which must be keyed in together with your CIMB Card Pin or ID type and ID number the first time you register for CIMB Online Banking.
1. Application and Enrolment to CIMB Online Banking 1.3 Enrollment for CIMB Online Banking may be undertaken by utilizing your details linked to your CIMB debit card or CIMB credit card. The CRN and CIMB Card Pin will be utilised once during registration, during which you will be required to nominate a CIMB User ID and an Online Banking Password. After that, you will access CIMB Online Banking using your CIMB User ID and Online Banking Password.	1. Application and Enrolment to CIMB Online Banking 1.3 Enrollment for CIMB Online Banking may be undertaken by utilizing your details linked to your CIMB debit card or CIMB credit card. The CRN and CIMB Card Pin or ID Type and ID number will be utilised once during registration, during which you will be required to nominate a CIMB User ID and an Online Banking Password. After that, you will access CIMB Online Banking using your CIMB User ID and Online Banking Password.
2. Procedure For Enrolment And Access To CIMB Online Banking 2.1 To enroll for CIMB Online Banking, you need to register online at www.cimbclicks.com.my by clicking on the online registration tab. i) Where you have a CIMB debit card or CIMB credit card together with the CIMB Card Pin for such CIMB debit card or CIMB credit card, you must use the CRN, CIMB Card Pin and complete the CAPTCHA (a challenge-response test) appearing on screen to register on www.cimbclicks.com.my. Your registration will be blocked if you enter the wrong CIMB Card PIN three (3) times. You must also nominate a CIMB User ID and an Online Banking Password in accordance with Clause 2.3. These steps only need to be carried out once. On subsequent occasions, you will access CIMB Online Banking using your CIMB User ID and Online Banking Password 2.3 Upon successful validation of your: i) CRN, CIMB Card Pin and the CAPTCHA results; or ii) loan/financing account number, or unit trust account number (as applicable), the CAPTCHA results and your personal particulars, a TAC on SMS will be sent to you based on the mobile device number provided by you to the Bank. You must key in the TAC on SMS and then select and key in your preferred User ID that will enable your continued access and use of CIMB Online Banking. You will then be prompted to key in your Online Banking Password. 2.4 After completion of the steps detailed above and the on-screen confirmation by you, of the details provided by you, you will be granted access to CIMB Online Banking. 2A. Procedure for first time setup and subsequent log on to the CIMB OCTO App: viii) In the event you have not logged on to CIMB OCTO App for 30 calendar days, upon launching the CIMB OCTO App, you will be required to repeat steps (i), (ii) and (iii) above in relation to first time setup of CIMB OCTO App starting from the input of your CIMB User ID and Online Banking Password	2. Procedure For Enrolment And Access To CIMB Online Banking 2.1 To enroll for CIMB Online Banking, you need to register online at www.cimbclicks.com.my by clicking on the online registration tab. i) Where you have a CIMB debit card or CIMB credit card together with the CIMB Card Pin for such CIMB debit card or CIMB credit card, you must use the CRN, CIMB Card Pin or ID Type and ID Number and complete the CAPTCHA (a challenge-response test) appearing on screen to register on www.cimbclicks.com.my. Your registration will be blocked if you enter the wrong CIMB Card PIN or ID Type and ID number three (3) times. You must also nominate a CIMB User ID and an Online Banking Password in accordance with Clause 2.3. These steps only need to be carried out once. On subsequent occasions, you will access CIMB Online Banking using your CIMB User ID and Online Banking Password 2.3 Upon successful validation of your: i) CRN, ID Type, ID Number, CIMB Card Pin and the CAPTCHA results; or ii) loan/financing account number, or unit trust account number (as applicable), the CAPTCHA results and your personal particulars, a TAC on SMS will be sent to you based on the mobile device number provided by you to the Bank. You must key in the TAC on SMS and then select and key in your preferred User ID that will enable your continued access and use of CIMB Online Banking. You will then be prompted to key in your Online Banking Password. 2.4 After completion of the steps detailed above and the on-screen confirmation by you, of the details provided by you, you will be required to download the CIMB OCTO App and perform first time setup to CIMB OCTO App to complete the enrolment. After enrolment, there will be a 12-hour cooling-off period before you are able to access CIMB Online Banking. Once the cooling off period has ended, a notification via SMS will be sent to you. 2A. Procedure for first time setup and subsequent log on to the CIMB OCTO App: viii) In the event you have not logged on to CIMB OCTO App for 30 calendar days, upon launching the CIMB OCTO App, you will be required to repeat steps (i), (ii) and (iii) above in relation to first time setup of CIMB OCTO App starting from the input of your CIMB User ID and Online Banking Password or your CIMB User ID may get terminated and you will be required to repeat enrolment in Clause 2.1.
6. Instructions and Authorisations 6.1 You will, at all times, be responsible for all Instructions (including but not limited to withdrawals, transfers or to otherwise deal with your Accounts) transmitted to CIMB Bank or CIMB Islamic Bank via CIMB Online Banking based on your CRN, CIMB Card Pin, Online Banking Password, SecureTAC^TM, SecureTAC^TM Number, TAC on SMS, Passcode, User ID and Biometric Data regardless of whether they were made by you or someone purporting to be you. You agree and acknowledge that subject to CIMB Bank having received notification from you pursuant to Clause 5.4, CIMB Bank or CIMB Islamic Bank will be entitled to rely on and treat any Instructions made, submitted or effected pursuant to the use of your CRN, CIMB Card Pin, Online Banking Password, SecureTAC^TM, SecureTAC^TMNumber, TAC on SMS, Passcode, User ID and Biometric Data as having been made, submitted and effected by you. 6.2 All Instructions transmitted to and/or received by CIMB Bank or CIMB Islamic Bank through your CRN, CIMB Card Pin, Online Banking Password, SecureTAC^TM, SecureTAC^TM Number, TAC on SMS, Passcode, User ID and Biometric Data will be deemed as regular and genuine Instructions made by you. For the avoidance of doubt, CIMB Bank or CIMB Islamic Bank is under no obligation to verify such Instructions with you to determine their authenticity but CIMB Bank or CIMB Islamic Bank may do so for its own purposes. 6.3 Subject to Clause 6.5, all Instructions transmitted via your CRN, CIMB Card Pin, Online Banking Password, SecureTAC^TM, SecureTAC^TM Number, TAC on SMS, Passcode, User ID and Biometric Data will be irrevocable and binding on you upon transmission.	6. Instructions and Authorisations 6.1 You will, at all times, be responsible for all Instructions (including but not limited to withdrawals, transfers or to otherwise deal with your Accounts) transmitted to CIMB Bank or CIMB Islamic Bank via CIMB Online Banking based on your CRN, CIMB Card Pin, ID Number, Online Banking Password, SecureTAC^TM, SecureTAC^TM Number, TAC on SMS, Passcode, User ID and Biometric Data regardless of whether they were made by you or someone purporting to be you. You agree and acknowledge that subject to CIMB Bank having received notification from you pursuant to Clause 5.4, CIMB Bank or CIMB Islamic Bank will be entitled to rely on and treat any Instructions made, submitted or effected pursuant to the use of your CRN, CIMB Card Pin, Online Banking Password, SecureTAC^TM, SecureTAC^TM Number, TAC on SMS, Passcode, User ID and Biometric Data as having been made, submitted and effected by you. 6.2 All Instructions transmitted to and/or received by CIMB Bank or CIMB Islamic Bank through your CRN, CIMB Card Pin, ID Number, Online Banking Password, SecureTAC^TM, SecureTAC^TM Number, TAC on SMS, Passcode, User ID and Biometric Data will be deemed as regular and genuine Instructions made by you. For the avoidance of doubt, CIMB Bank or CIMB Islamic Bank is under no obligation to verify such Instructions with you to determine their authenticity but CIMB Bank or CIMB Islamic Bank may do so for its own purposes. 6.3 Subject to Clause 6.5, all Instructions transmitted via your CRN, CIMB Card Pin, ID Number, Online Banking Password, SecureTAC^TM, SecureTAC^TM Number, TAC on SMS, Passcode, User ID and Biometric Data will be irrevocable and binding on you upon transmission.
18. Exclusions of Liability 18.2.7 any loss, theft or unauthorised use of your CRN, CIMB Card Pin, Online Banking Password, SecureTAC^TM Number, TAC on SMS, SecureTAC^TM, Passcode, User ID, Biometric Data and or mobile device due to your failure to observe your obligations under these Terms and Conditions;	18. Exclusions of Liability 18.2.7 any loss, theft or unauthorised use of your CRN, CIMB Card Pin, ID Number, Online Banking Password, SecureTAC^TM Number, TAC on SMS, SecureTAC^TM, Passcode, User ID, Biometric Data and or mobile device due to your failure to observe your obligations under these Terms and Conditions;

Existing Clause

Revised Clause

Definitions

"CIMB Clicks ID" or "User ID" a unique name selected by you the first time that you register for CIMB Online Banking consisting of no less than six (6) and no more than thirty-two (32) alphanumeric characters (which must be keyed in by you every time you log on), to allow CIMB Bank's online banking system to associate it with your CRN and CIMB Card Pin for verification and authentication purposes in order to grant you access to CIMB Online Banking.

"CRN" means the sixteen-digit number of a CIMB debit card or CIMB credit card as assigned by CIMB Bank or CIMB Islamic Bank linked to your Account with CIMB Bank or CIMB Islamic Bank and which must be keyed in together with your CIMB Card Pin the first time you register for CIMB Online Banking.

Definitions

"CIMB Clicks ID" or "User ID" a unique name selected by you the first time that you register for CIMB Online Banking consisting of no less than six (6) and no more than thirty-two (32) alphanumeric characters (which must be keyed in by you every time you log on), to allow CIMB Bank's online banking system to associate it with your CRN and CIMB Card Pin or ID type and ID number for verification and authentication purposes in order to grant you access to CIMB Online Banking.

"CRN" means the sixteen-digit number of a CIMB debit card or CIMB credit card as assigned by CIMB Bank or CIMB Islamic Bank linked to your Account with CIMB Bank or CIMB Islamic Bank and which must be keyed in together with your CIMB Card Pin or ID type and ID number the first time you register for CIMB Online Banking.

1. Application and Enrolment to CIMB Online Banking

1.3 Enrollment for CIMB Online Banking may be undertaken by utilizing your details linked to your CIMB debit card or CIMB credit card. The CRN and CIMB Card Pin will be utilised once during registration, during which you will be required to nominate a CIMB User ID and an Online Banking Password. After that, you will access CIMB Online Banking using your CIMB User ID and Online Banking Password.

1. Application and Enrolment to CIMB Online Banking

1.3 Enrollment for CIMB Online Banking may be undertaken by utilizing your details linked to your CIMB debit card or CIMB credit card. The CRN and CIMB Card Pin or ID Type and ID number will be utilised once during registration, during which you will be required to nominate a CIMB User ID and an Online Banking Password. After that, you will access CIMB Online Banking using your CIMB User ID and Online Banking Password.

2. Procedure For Enrolment And Access To CIMB Online Banking

2.1 To enroll for CIMB Online Banking, you need to register online at www.cimbclicks.com.my by clicking on the online registration tab.

i) Where you have a CIMB debit card or CIMB credit card together with the CIMB Card Pin for such CIMB debit card or CIMB credit card, you must use the CRN, CIMB Card Pin and complete the CAPTCHA (a challenge-response test) appearing on screen to register on www.cimbclicks.com.my. Your registration will be blocked if you enter the wrong CIMB Card PIN three (3) times. You must also nominate a CIMB User ID and an Online Banking Password in accordance with Clause 2.3. These steps only need to be carried out once. On subsequent occasions, you will access CIMB Online Banking using your CIMB User ID and Online Banking Password

2.3 Upon successful validation of your:

i) CRN, CIMB Card Pin and the CAPTCHA results; or

ii) loan/financing account number, or unit trust account number (as applicable), the CAPTCHA results and your personal particulars, a TAC on SMS will be sent to you based on the mobile device number provided by you to the Bank. You must key in the TAC on SMS and then select and key in your preferred User ID that will enable your continued access and use of CIMB Online Banking. You will then be prompted to key in your Online Banking Password.

2.4 After completion of the steps detailed above and the on-screen confirmation by you, of the details provided by you, you will be granted access to CIMB Online Banking.

2A. Procedure for first time setup and subsequent log on to the CIMB OCTO App:

viii) In the event you have not logged on to CIMB OCTO App for 30 calendar days, upon launching the CIMB OCTO App, you will be required to repeat steps (i), (ii) and (iii) above in relation to first time setup of CIMB OCTO App starting from the input of your CIMB User ID and Online Banking Password

2. Procedure For Enrolment And Access To CIMB Online Banking

2.1 To enroll for CIMB Online Banking, you need to register online at www.cimbclicks.com.my by clicking on the online registration tab.

i) Where you have a CIMB debit card or CIMB credit card together with the CIMB Card Pin for such CIMB debit card or CIMB credit card, you must use the CRN, CIMB Card Pin or ID Type and ID Number and complete the CAPTCHA (a challenge-response test) appearing on screen to register on www.cimbclicks.com.my. Your registration will be blocked if you enter the wrong CIMB Card PIN or ID Type and ID number three (3) times. You must also nominate a CIMB User ID and an Online Banking Password in accordance with Clause 2.3. These steps only need to be carried out once. On subsequent occasions, you will access CIMB Online Banking using your CIMB User ID and Online Banking Password

2.3 Upon successful validation of your:

i) CRN, ID Type, ID Number, CIMB Card Pin and the CAPTCHA results; or

2.4 After completion of the steps detailed above and the on-screen confirmation by you, of the details provided by you, you will be required to download the CIMB OCTO App and perform first time setup to CIMB OCTO App to complete the enrolment. After enrolment, there will be a 12-hour cooling-off period before you are able to access CIMB Online Banking. Once the cooling off period has ended, a notification via SMS will be sent to you.

2A. Procedure for first time setup and subsequent log on to the CIMB OCTO App:

6. Instructions and Authorisations

6.1 You will, at all times, be responsible for all Instructions (including but not limited to withdrawals, transfers or to otherwise deal with your Accounts) transmitted to CIMB Bank or CIMB Islamic Bank via CIMB Online Banking based on your CRN, CIMB Card Pin, Online Banking Password, SecureTAC^TM, SecureTAC^TM Number, TAC on SMS, Passcode, User ID and Biometric Data regardless of whether they were made by you or someone purporting to be you. You agree and acknowledge that subject to CIMB Bank having received notification from you pursuant to Clause 5.4, CIMB Bank or CIMB Islamic Bank will be entitled to rely on and treat any Instructions made, submitted or effected pursuant to the use of your CRN, CIMB Card Pin, Online Banking Password, SecureTAC^TM, SecureTAC^TMNumber, TAC on SMS, Passcode, User ID and Biometric Data as having been made, submitted and effected by you.

6.2 All Instructions transmitted to and/or received by CIMB Bank or CIMB Islamic Bank through your CRN, CIMB Card Pin, Online Banking Password, SecureTAC^TM, SecureTAC^TM Number, TAC on SMS, Passcode, User ID and Biometric Data will be deemed as regular and genuine Instructions made by you. For the avoidance of doubt, CIMB Bank or CIMB Islamic Bank is under no obligation to verify such Instructions with you to determine their authenticity but CIMB Bank or CIMB Islamic Bank may do so for its own purposes.

6.3 Subject to Clause 6.5, all Instructions transmitted via your CRN, CIMB Card Pin, Online Banking Password, SecureTAC^TM, SecureTAC^TM Number, TAC on SMS, Passcode, User ID and Biometric Data will be irrevocable and binding on you upon transmission.

6. Instructions and Authorisations

6.1 You will, at all times, be responsible for all Instructions (including but not limited to withdrawals, transfers or to otherwise deal with your Accounts) transmitted to CIMB Bank or CIMB Islamic Bank via CIMB Online Banking based on your CRN, CIMB Card Pin, ID Number, Online Banking Password, SecureTAC^TM, SecureTAC^TM Number, TAC on SMS, Passcode, User ID and Biometric Data regardless of whether they were made by you or someone purporting to be you. You agree and acknowledge that subject to CIMB Bank having received notification from you pursuant to Clause 5.4, CIMB Bank or CIMB Islamic Bank will be entitled to rely on and treat any Instructions made, submitted or effected pursuant to the use of your CRN, CIMB Card Pin, Online Banking Password, SecureTAC^TM, SecureTAC^TM Number, TAC on SMS, Passcode, User ID and Biometric Data as having been made, submitted and effected by you.

6.2 All Instructions transmitted to and/or received by CIMB Bank or CIMB Islamic Bank through your CRN, CIMB Card Pin, ID Number, Online Banking Password, SecureTAC^TM, SecureTAC^TM Number, TAC on SMS, Passcode, User ID and Biometric Data will be deemed as regular and genuine Instructions made by you. For the avoidance of doubt, CIMB Bank or CIMB Islamic Bank is under no obligation to verify such Instructions with you to determine their authenticity but CIMB Bank or CIMB Islamic Bank may do so for its own purposes.

6.3 Subject to Clause 6.5, all Instructions transmitted via your CRN, CIMB Card Pin, ID Number, Online Banking Password, SecureTAC^TM, SecureTAC^TM Number, TAC on SMS, Passcode, User ID and Biometric Data will be irrevocable and binding on you upon transmission.

18. Exclusions of Liability

18.2.7 any loss, theft or unauthorised use of your CRN, CIMB Card Pin, Online Banking Password, SecureTAC^TM Number, TAC on SMS, SecureTAC^TM, Passcode, User ID, Biometric Data and or mobile device due to your failure to observe your obligations under these Terms and Conditions;

18. Exclusions of Liability

18.2.7 any loss, theft or unauthorised use of your CRN, CIMB Card Pin, ID Number, Online Banking Password, SecureTAC^TM Number, TAC on SMS, SecureTAC^TM, Passcode, User ID, Biometric Data and or mobile device due to your failure to observe your obligations under these Terms and Conditions;