Specific Terms and Conditions

APPLICATION OF THESE TERMS

1. This document sets out the specific terms and conditions governing the accounts, products and services we may offer you from time to time (the Specific Terms). You must read and understand these Specific Terms carefully before opening any account or acquiring any product or service from us. Please reach out to us if you require any clarification.
2. These Specific Terms must be read with the General Terms (available on our website at https://rytbank.my/general-terms-and-conditions) and any other relevant terms and conditions as we may impose from time to time with prior notice.
3. By applying for or using or maintaining an Account, you are deemed to have read, understood and accepted these General Terms and Specific Terms.
4. Some capitalised terms used in this document have been defined in the General Terms.
5. In case of any inconsistency between what is stated in these Specific Terms and the General Terms, the terms in these Specific Terms shall prevail to the extent of such inconsistency.

SECTION A - SPECIFIC TERMS AND CONDITIONS APPLICABLE TO RYT BANK SAVINGS ACCOUNT

Effective Date: 11 August 2025

Protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to RM250,000 for each depositor (PIDM Protection).

1. ACCOUNT OPENING

   1. The opening of a Ryt Bank Savings Account (Savings Account) with us is subject to the Bank's requirements including, without limitation, as to age, capacity, identification documents, account verification requirements, minimum initial deposit, and the minimum account balance to be maintained at all times. The Bank may have different requirements for different legal personalities.
   2. Information on the eligibility requirements, minimum initial deposit and the minimum account balance are available (and may be updated from time to time) in the Schedule hereto, on our App, and/or our website at https://rytbank.my.
   3. The Bank may allow you to open, maintain and operate only one Savings Account in your sole name for personal use. This means that each retail customer can only open one Savings Account at any one time. If the Bank becomes aware that you are maintaining more than one Savings Account, we reserve the right to close and terminate any additional Savings Accounts with notice to you.
   4. An application for a Savings Account is subject to approval by the Bank. You understand and agree that we have sole and absolute discretion to determine whether to provide a Savings Account to you.
   5. We reserve the right to reject any application (including any application that does not fulfil our criteria) and shall be under no obligation to provide any reason for or information in respect of any unsuccessful application.
   6. For account verification purposes, you must fulfil the Savings Account funding requirement within a period determined by the Bank following the date of account opening. Failure to do so may result in closure of your Savings Account.
   7. You agree that you will only use your Savings Account for personal savings purposes. If your Savings Account is used for business purposes or purposes other than for personal savings, the Bank reserves the right to close your Savings Account and/or terminate the provision of any service or product to you.

2. ACCOUNT AND SERVICES

   1. The Savings Account is denominated in Ringgit Malaysia only.
   2. You shall operate and administer the Savings Account in accordance with all applicable laws, rules, and regulations, as well as directives on international and domestic currency transactions including the foreign exchange policy (FEP) administered by Bank Negara Malaysia.
   3. Prior to opening a Savings Account and as and when required, we may require you to provide relevant information and/or documents required for account opening, including to ensure compliance with the FEP and applicable laws and regulations.
   4. Once a Savings Account is successfully opened and you fulfil the Savings Account funding requirement, you may perform fund withdrawals and fund transfers, denominated in Ringgit Malaysia only, to and from the Savings Account. Funds transferred into your Savings Account will be deposited into your Savings Account.
   5. We may also impose a maximum account balance to be maintained in a Savings Account. Information on the maximum account balance, if any, is available on our website https://rytbank.my.
   6. Where a limit has been imposed and the maximum account balance is reached, you agree that:
      1. you are responsible for ensuring that such limit is not reached; and
      2. where such limit has been reached, you agree that we, in our absolute discretion:
         1. need not accept any Instruction or allow any transaction on the Savings Account, which would cause the balance to go above the maximum account balance; and/or
         2. may take any other action to ensure that the maximum account balance is not exceeded.
   7. You agree that the Bank has the discretion to reject any Instruction on, or transaction through, the Savings Account.

3. FEES AND CHARGES

   1. The Bank shall be entitled to impose fees and charges for any of the services provided to you. Please see Fees and Limits as set out at https://rytbank.my/fees-and-limits for details of the applicable fees, charges, and default interest rates. You agree that all applicable fees and charges may be debited from the Savings Account.

4. INTEREST

   1. A Savings Account is an interest-bearing account. The Bank will pay you interest on the credit balance in your Savings Account at the applicable interest rate which is determined by the Bank and is subject to change from time to time (Interest Rate). Information on the Interest Rate is available on our website at https://rytbank.my and/or our Digital Banking Services.
   2. Interest will be calculated daily based on the balance in your Savings Account at the end of each day, or using such other methods as the Bank may determine and notified to you from time to time.
   3. The accrued interest will be credited to your Savings Account on a daily basis, when the accrued interest payable is at least RM0.01. The Bank will not credit any amount to your Savings Account if the accrued interest payable is less than RM0.01.
   4. We reserve the right not to pay you any interest on the credit balance in your Savings Account if you breach any of your obligations under the Banking Agreement (including these Specific Terms).

5. STATEMENTS OF ACCOUNT

   1. Electronic Statements in respect of your Savings Account will be generated on a monthly basis and will be made available through our Digital Banking Services.
   2. The Bank may choose not to issue any Electronic Statement if your Savings Account is dormant or inactive.

6. CLOSURE OF ACCOUNT

   1. You may close your Savings Account by sending an Instruction to us via email to support@rytbank.my or telephone at +603-5115 5115.
   2. You are responsible for any arrangement in relation to the transfer of any credit balance in the Savings Account before closure can be effected. We may stop paying interest on credit balance in your Savings Account from the day we receive your closure Instructions. Where we exercise our rights under Clause 24.2 (Our right to close, terminate or revoke any Product) of the General Terms to close the Savings Account, you agree that we shall have the right to transfer any unclaimed credit balance in the closed Account to our internal account(s).
   3. Pending closure of the Savings Account, we may refuse to carry out any Instruction (including transfers or withdrawal of funds) or accept any further deposits. In appropriate cases, we have the right to limit the amounts deposited. We may also withhold or suspend payment of any funds.

7. NO CASH DEPOSITS

   You will not be able to deposit physical cash or notes into your Savings Account.

8. NO CHEQUES

   No cheque book or facility will be issued for your Savings Account. You will not be able to deposit any cheques with us.

Schedule

Criteria	Details
Eligibility	-Open to Malaysian citizens only -Must be at least 18 years of age -From RM1 initial deposit for account activation -You have an existing bank account with another bank in Malaysia.
Minimum amount to open Savings Account	RM 1
Minimum balance to maintain	Nil
Fees & Charges	As of now, there is no fee or charge for the Savings Account, but this is subject to change at the Bank's discretion. We will notify you of such change in accordance with the General Terms.

SECTION B - SPECIFIC TERMS AND CONDITIONS APPLICABLE TO SAVE POCKETS

Effective Date: 11 August 2025

Protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to RM250,000 for each depositor (PIDM Protection).

1. CREATION AND USE OF SAVE POCKETS

   1. Once a Savings Account is successfully opened, you will have access to Save Pockets, which are sub-accounts linked to your main Savings Account (Save Pockets) meant to encourage savings across different categories. We may automatically create a Save Pocket for you once we open your Savings Account and/or you activate your Savings Account.
   2. You can then select Save Pockets from a list of pre-loaded labels most relevant to you based on your specific savings goals or purposes or create your own labels for each Save Pocket to best suit your needs. We will determine the maximum number of Save Pockets you may open and maintain and we will notify you of this from time to time.
   3. Practically, the funds in each of your Save Pockets are maintained and kept separate from the funds in your main Savings Account and the funds in your other Save Pockets. A Save Pocket is akin to another Savings Account. You can transfer funds between and in and out of your Save Pockets, including to and from your main Savings Account. For the time being, you will not be able to make external fund transfers directly from the Save Pockets. You will also not be able to receive external fund transfers directly from external sources (including e-wallets). All terms and conditions governing the Savings Account also apply to the Save Pockets.
   4. The Bank reserves the right to place a maximum limit on the amount of funds in each Save Pocket.
   5. The amount of funds in each and every Save Pocket linked to your main Savings Account plus the amount of funds in your main Savings Account form the total of your protected insurable balance for the purposes of PIDM Protection.
   6. Before the closure of your Savings Account, the credit balances in all your Save Pockets will automatically be transferred to your main Savings Account. All Save Pockets will then be automatically closed before closure of your Savings Account.

2. INTEREST PAID ON SAVE POCKETS

   1. A Save Pocket is an interest-bearing sub-account. The Bank will pay you interest on the balance in your Save Pockets at the applicable interest rate which is determined by the Bank and is subject to change from time to time (Interest Rate). Information on the Interest Rate is available on our website at https://rytbank.my and/or our Digital Banking Services.
   2. Interest will be calculated daily based on the balance in your Save Pockets at the end of each day, or using such other methods as the Bank may determine and notified to you from time to time.
   3. The accrued interest will be credited to your Save Pockets on a daily basis, when the accrued interest payable is at least RM0.01. The Bank will not credit any amount to your Save Pockets if the accrued interest payable is less than RM0.01.
   4. We reserve the right not to pay interest if you breach any of your obligations under the Banking Agreement (including these Specific Terms).

SECTION C - SPECIFIC TERMS AND CONDITIONS APPLICABLE TO RYTBANK DEBIT CARD

Effective Date: 15 January 2026

1. APPLICATION FOR DEBIT CARD

   1. Debit Card Terms: This section sets out the specific terms and conditions in respect of your application for, and the use of Debit Card (these Debit Card Terms). You must read and understand these Debit Card Terms and the Debit Card product disclosure sheet before applying for a Debit Card.

      Please reach out to us if you require any clarification on the feature of, or the terms applying to the Debit Card.

   2. Acceptance and Acknowledgement: By applying for or using a Debit Card, you confirm you have read, understood, agreed to and accepted these Debit Card Terms.

   3. Eligibility: An application for a Debit Card is subject to you meeting the following eligibility requirements:

      1. you have opened and activated an Account to be the Designated Account, and the said Account is in good standing, not terminated, closed, dormant or delinquent;

      2. you have not been declared bankrupt; and

      3. you are not in breach or suspected to have breached any of the General Terms or Specific Terms.

      We reserve the right to decline to issue a Debit Card notwithstanding you have met the above requirements.

2. DEFINITIONS

   The following definitions apply unless otherwise stated:

   ATM	means an automated teller machine whether or not operated by the Bank.
   Authorised Merchant	means an establishment supplying goods and/or services which accepts the use of the Debit Card for payment.
   Card-Not-Present	means a Debit Card transaction effected without physically presenting the Debit Card (i.e. mail order telephone order transactions and online transactions).
   Card-Present	means a Debit Card transaction that is not a Card-Not-Present transaction (e.g. transaction at POS and cash withdrawals at ATMs).
   Compatible Device	means a mobile phone, smart watch, tablet, or any other electronic device that is capable of supporting a Digital Wallet and the storage of a virtual form of your Debit Card, as designated by us from tine to time.
   Contactless	means a feature available for the Debit Card to make transactions by tapping or waving the Debit Card at contactless readers or terminals at a POS terminal.
   Debit Card	means a virtual or physical RYTBANK Visa and/or MyDebit debit card issued by the Bank to you for the purpose of making cash withdrawals or making payments out of the Designated Account or for any other purposes as specified herein.
   Designated Account	means the Account designated by the Cardholder, as approved by the Bank, that is linked to the Debit Card for carrying out transactions.
   Digital Wallet	means a software, an electronic device or an online service made available by a Digital Wallet Provider that allows you to store a virtual form of your Debit Card on a Compatible Device to perform transactions, and as designated by us from time to time.
   Digital Wallet Provider	means the service provider with whom you maintain your Digital Wallet.
   Dynamic Currency Conversion or DCC	means an optional service offered by certain overseas Authorised Merchant or available for certain Overseas Transaction, which provides you with a choice to pay or withdraw cash in ringgit on the spot.
   MyDebit	means a purchase made at a POS terminal installed at the payment counter of an Authorised Merchant that accepts a Debit Card and through the combined use of your Debit Card and PIN.
   Overseas Transaction	means the use of a Debit Card to pay a foreign Authorised Merchant in foreign currency or, in the case where DCC is opted, in ringgit.
   PIN	means your personal identification number selected by you.
   POS	means point-of-sale.

3. ISSUE, RENEWAL AND REPLACEMENT OF DEBIT CARD

   1. Issue of Debit Card: If we approve your application:

      1. a Debit Card will be made available to you in electronic format (including being made available in our App).

      2. in addition to (a), at your request, we may issue a physical form of the Debit Card to your mailing address in our records for a fee as stated in our Fees and Limits at https://rytbank.my/fees-and-limits.

   2. Activation: You must comply with such Debit Card activation, security and other procedures as may be prescribed by us before you can use the Debit Card.

   3. Property of the Bank: A Debit Card remains our property at all times. We reserve the right to cancel and repossess a Debit Card, or impose such limits or conditions as we may determine on the number of Debit Cards made available to you.

   4. Non-transferrable: Your Debit Card cannot be transferred to another person.

   5. Electronic Statement: Clause 5 of the General Terms (Electronic Statements and Records) is incorporated into these Debit Card Terms. For the purposes of these Debit Card Terms, you may, at your request, opt for a hard copy of the Electronic Statement.

   6. Security measures and tips: We may provide guidance on how you can keep access to your Debit Card and/or PIN safe but this guidance shall not be taken as exhaustive of all reasonable precaution that you should take.

   7. Replacement and charges: You may request for a Debit Card to replace an existing one:

      1. upon its expiry;

      2. that was lost or stolen;

      3. that has become defective or damaged; or

      4. that has been fraudulently used,

      for a fee stated in our Fees and Limits as set out at https://rytbank.my/fees-and-limits. You will bear the replacement cost and you authorise the Bank to debit your Designated Account in respect of such replacement cost.

4. USE OF DEBIT CARD

   1. Feature: The Debit Card is a payment instrument and an ATM card which can be used to:

      1. make Card-Present transactions, including transacting at ATM, making payment at POS terminals of Authorised Merchants and pre-authorised transactions;

      2. make Card-Not-Present transactions;

      3. set up recurring payments;

      4. make Overseas Transactions; or

      5. effect any other transaction as we may notify you from time to time.

   2. Use: You agree and acknowledge that:

      1. you may only use your Debit Card for so long as it remains valid (please refer to the expiry date printed on your Debit Card or displayed in the App);

      2. you must not use the Debit Card for or in connection with any unlawful activity;

      3. we may refuse to approve your transaction made using the Debit Card in accordance with the General Terms; and

      4. the use of the Debit Card is at your own risk and you assume all risks arising from the use of the Debit Card.

   3. Funding:

      1. You must ensure that there are sufficient funds in your Designated Account at all times for any transaction with your Debit Card.

      2. When you perform a Debit Card transaction, we will debit the corresponding amount from your Designated Account.

      3. We may earmark or place a hold on the Designated Account for the transaction amount (Earmarked Balance) either on the day it is presented for payment or on the day we receive notice of the transaction.

      4. Your available balance in the Designated Account will be reduced by the Earmarked Balance. You may not stop payment on the relevant transaction nor use any sum designated as Earmarked Balance.

      5. The amount of the Earmarked Balance and the duration for which it may be held shall be determined by us at our discretion.

      6. If there are insufficient funds in your Designated Account, the transaction will be rejected and we shall not be liable in connection with such rejection.

      7. Separate default daily limit will apply to:

         1. cash withdrawal; and

         2. payment for goods and services,

         as may be amended by the Bank from time to time and which may be revised by you, via the Platform, subject to applicable limits imposed by the Bank. Please see our Fees and Limits available at https://rytbank.my/fees-and-limits for details.

   4. Card-Present transaction: Your physical Debit Card may be used for Card-Present transactions, Contactless transactions, ATM withdrawals and such other transaction as we may notify from time to time. You agree that the entry of your PIN or signing of a sales draft shall be sufficient proof that you agree to the transaction and confirm the amount charged is correct. We shall not be held liable for any loss or damage if the wrong PIN is entered by you in the course of utilizing the physical Debit Card at an Authorised Merchant or an ATM.

      1. Transacting at ATM: You may use the Debit Card for domestic and overseas (see “Overseas Transaction” below) cash withdrawals at an ATM and you agree to the following:

         1. to check all debit or credit transactions. If any error or malfunction occurs, you must immediately contact our Customer Service Centre.

         2. the entry of your PIN at the ATM shall be sufficient proof that the transaction has been made by you.

         3. you are liable for all fees and charges arising from such withdrawal or transaction at the ATM, which may vary depending on whether it is a domestic or overseas cash withdrawal.

         4. the Debit Card may be retained or blocked when the following are detected:

            1. exceed maximum PIN tries;

            2. invalid card authentication value;

            3. the Debit Card unable to eject;

            4. “deactivated” Debit Card status;

            5. where your Designated Account is inactive) such as “Dormant” or “Deceased”); and

            6. where the Debit Card is tagged as “Lost” or “Stolen”.

      2. Payment at POS terminals of Authorised Merchants: You may use the Debit Card for purchases at POS terminals of Authorised Merchants:

         1. you agree that:

            1. a transaction is permitted if it is within the limits determined by the Bank, from time to time. You may increase or reduce certain amount limits up to the Bank’s specified limits as stated on our website at https://rytbank.my/fees-and-limits by giving instructions via the Platform.

            2. you will bear all fees and charges as stated in our Fees and Limits as set out at https://rytbank.my/fees-and-limits for that transaction, which will be deducted from your Designated Account.

            3. you acknowledge that:

               1. a Debit Card will incorporate a feature which enables the Debit Card to be used for Contactless transaction. This means that you will not be required to swipe the magnetic stripe of your Debit Card, sign any sale draft nor enter a PIN to authorise the transaction.

               2. the use of the Debit Card for Contactless transactions without a PIN for each retail transaction performed in Malaysia is limited to a maximum of RM250or any other amount as may be specified by the Bank at any time. You must use your PIN for any payment of more than RM250. The maximum limit for a retail transaction performed in any other jurisdiction is subject to the limit prescribed in the respective country.

               3. you may enable or disable use of the Debit Card for Contactless transactions via the Platform.

               4. all Contactless transactions are deemed properly authorised by you unless you can show evidence to the contrary.

      3. Pre-authorised transaction: Certain Authorised Merchants may require a pre-authorisation of a Debit Card transaction. A pre-authorisation is not a charge but the Designated Account balance is temporarily reduced by the pre-authorised amount. An amount in the Designated Account balance will be held for the following pre-authorised transactions until the transactions are concluded:

         1. at an automated fuel dispenser (AFD) for petrol transactions, RM200 will be held from your Designated Account and the pre-authorised amount will automatically be released three (3) Business Days after the transaction date.

         2. for any non-AFD transaction, the pre-authorised amount is the transaction amount which may be held from your Designated Account and the pre-authorised amount will automatically be released thirty (30) days after the transaction date.

   5. Card-Not-Present transaction:

      1. You shall not be allowed to perform any Card-Not-Present Transaction unless you have instructed us to opt-in and activate this feature via the Platform. Where you have opted-in and activated a Debit Card, such Debit Card may be used for Card-Not-Present transactions. Once you have activated this feature, you can always disable it subsequently by de-activating this feature via the Platform.

      2. You understand that there are risks involved when performing a Card-Not-Present transaction.

      3. You agree that the entry of the Debit Card information and your Card Verification Value/ Code (CVV/CVC) or any other form of additional confirmation at the internet site or mobile application shall be sufficient proof that you have authorised that transaction.

      4. We shall not be under any obligation to verify the identity or the authority of the person entering the Debit Card information and CVV/CVC.

   6. Recurring Payment:

      1. If you authorise an Authorised Merchant to effect recurring payment through the Debit Card, the Bank is entitled to act on the instructions without further reference to you.

      2. Payments will only be made if there are sufficient funds in your Designated Account.

      3. We do not guarantee that payment will be made on a timely manner.

      4. We may refuse to make any payment at the Bank’s discretion by written notice to you.

      5. It is your responsibility to inform the applicable Authorised Merchant if there is any change to the details of your Debit Card.

      6. You acknowledge that no payment will be made if your use of the Debit Card is terminated or suspended for any reason whatsoever or where an expired Debit Card is not renewed.

      7. You shall at all times remain liable and responsible to pay the Authorised Merchant. In the event of non-payment by the Bank, you shall resolve and effect payment with the Authorised Merchant directly.

   7. Overseas Transactions:

      1. You shall not be allowed to perform any Overseas Transaction unless you have instructed us to opt-in and activate this feature via the Platform. Where you have opted-in, your Debit Card maybe used for Overseas Transactions (but only in countries acceptable to us).

      2. You may only use the Debit Card for Overseas Transactions in compliance with foreign exchange policy administered by Bank Negara Malaysia applicable to you and the transaction. All Overseas Transactions are subject to the laws existing in the country where the transaction originates.

      3. You may be given the option to use DCC service for certain Overseas Transactions. The transaction amount will be debited from the Designated Account after conversion to ringgit at the exchange rate and at such time as may be determined by the applicable overseas Authorised Merchants and ATM where you have opted to use the DCC service. The conversion rate for DCC may be higher than the conversion rate determined by Visa.

      4. If you use the Debit Card to carry out a transaction in a currency other than ringgit, the transaction amount will be debited from the Designated Account after conversion to ringgit at the exchange rate and at such time as may be determined by Visa.

      5. You will also be charged a Overseas Transaction fee by the Bank, as set out in our Fees and Limits as set out at https://rytbank.my/fees-and-limits.

   8. Bank not involved in Debit Card disputes:

      1. We are not responsible and will not be liable for any act or omission of any Authorised Merchant including any refusal to honour the Debit Card or any defect or deficiency in any goods or services supplied to you.

      2. You must resolve all complaints, claims and disputes against any Authorised Merchant directly and you agree not to involve us in any such claim, dispute or legal proceedings.

      3. We are entitled to debit your Designated Account for the transaction amount even if you have a dispute with an Authorised Merchant.

      4. We shall not be liable for any payment remitted to an Authorised Merchant not with standing any claim and/or dispute that you may have against that Authorised Merchant.

5. YOUR RESPONSIBILITY

   1. You must keep your Debit Card safe: You shall observe all security measures prescribed by the Bank relating to the Debit Card.

   2. Security responsibility: In addition to Clause 7.3 (Security Responsibilities) of the General Terms, you must take reasonable steps to keep the Debit Card and PIN secure at all times including, without limitation:

      1. to abide by these Debit Card Terms for the use of your Debit Card.

      2. not use the Debit Card when you suspect or become aware that the Debit Card or the PIN is lost (even though it is found subsequently), stolen (even though it is recovered subsequently), breached or compromised or someone else knows the PIN.

      3. not allowing any other person to use the Debit Card.

      4. not disclose details of the Debit Card or the PIN to any other person.

      5. not write down the PIN on the Debit Card, or on anything kept in close proximity with the Debit Card.

      6. ensure that the transaction amount is correct before signing any voucher or transaction record and before entering your PIN for any transaction which requires the entry of your PIN. The affixation of your signature or entry of your PIN is deemed your agreement to the transaction and confirmed the amount is correct.

      7. securely dispose of any receipt or document issued by the Bank concerning your PIN.

      8. ensure that the Debit Card is returned to you after completing the transaction whether at the Authorised Merchant or the ATM.

   3. Duty to notify: In addition to Clause 7.4 (You must immediately report) of the General Terms, you must immediately inform the Bank by contacting our Customer Service Centre (the contact number is indicated at the back of a physical Debit Card) or by notifying us via the Platform when you:

      1. suspect or become aware of any suspicious or unauthorised transaction or unauthorised use in relation to the Debit Card.

      2. suspect or become aware of any fraudulent or unlawful activities in relation to the Debit Card.

      3. suspect or become aware that your Debit Card and/or Security Credential PIN is lost, stolen, breached or comprised or someone else knows the PIN.

      4. receive a short message service (SMS) alert of an unauthorised transaction.

      5. discover any errors, irregularities, unauthorised or fraudulent transaction in an Electronic Statement relating to your Designated Account to which the Debit Card is linked to.

      6. change your personal particulars and any other previously particulars disclosed to us including your residential and/or mailing address, your email address and your contact number(s).

   4. Making police report: In relation to any unauthorised or fraudulent transaction, we may require you to provide to the Bank a police report within reasonable time from the date of the loss and/or theft of the Debit Card and/or disclosure of the PIN to a third party. You shall also provide relevant information and reasonable assistance as the Bank may require in any investigation on the incident.

   5. No liability on part of Bank: In addition to Clause 9 (Liability for Transactions) of the General Terms, the Bank also shall not be liable for any loss suffered by you from any unauthorized transactions that resulted from your not complying with the security measures advised by the Bank or your unreasonable delay in notifying the Bank of the loss or theft or negligence in disclosure of any Debit Card details or PIN.

6. YOUR LIABILITY FOR TRANSACTIONS

   1. You are liable for all transactions: Unless otherwise stated herein, you shall be liable to us for all transactions (including relevant fees and charges) performed using the Debit Card. Any transaction made using your CVV/CVC, transaction signing, or any other form of additional confirmation shall be deemed as evidence that you have authorised the transaction. If the Debit Card has been misused, lost or stolen or that PIN have been breached and the Debit Card is used to carry out unauthorised transactions, you shall be liable for all unauthorised transaction until the date and time of receipt by the Bank of your notification under Clause 5.3 (Duty to notify) above.

   2. Your liability for unauthorised transactions: You shall be liable for any unauthorised transaction, including but not limited to Card-Present transaction which requires PIN or signature verification or the use of Contactless function, if you have:

      1. acted fraudulently;

      2. delayed in notifying us as soon as reasonably practicable after having discovered the loss or unauthorized use of the Debit Card;

      3. left the Debit Card or an item containing the Debit Card unattended, in places visible and accessible to others, including your place of residence;

      4. voluntarily allowed another person to use your Debit Card; or

      5. recorded your PIN on the Debit Card, or on anything kept in close proximity with your Debit Card.

   3. Chargeback: where there is a dispute, you may be entitled to a chargeback in certain circumstances, if you have not been found liable pursuant to Clause 6.2 (Your liability for unauthorised transactions).

      1. In certain circumstances, the card scheme rules may allow you to charge a transaction back to the Authorised Merchant with whom the transaction was made, subject to your fulfilment of the requisite conditions, including:

         1. raising a dispute in writing within sixty (60) days’ from the posting date of such Debit Card transaction as shown in the Electronic Statement; and

         2. providing all relevant supporting documentation as requested by us within the permitted time frame.

      2. You agree to provide us with any information that we reasonably request to facilitate our investigations into the Debit Card transaction, and to make a police report if we reasonably request such a report to be made to facilitate the claims investigation process.

      3. Subject to our investigation, we will raise the chargeback to the Authorised Merchant for the Authorised Merchant to carry out its own investigation.

      4. We may credit your Designated Account with the amount of the disputed Debit Card Transaction after completing our investigations.

      5. We will reject disputes which are found to be false or where the dispute is due to your own negligence. If payment for such a dispute has already been made to you, that payment must be refunded to the Bank and all expenses incurred in the investigation and in recovering the payment shall be borne by you. You here by authorise us to debit your Designated Account for such payment and expenses that must be so refunded to the Bank.

      6. The Bank reserves the right to institute legal action and/ or any other proceedings as we may deem necessary against you if you obstruct and/or withhold information, make or attempt to make false claims in respect of any transaction, publish false claims, in connection with or arising from the disputed Debit Card transaction.

   4. Bank’s record of Transactions binding: You agree that our record of any transaction effected by the use of the Debit Card shall be conclusive and binding evidence that such Transaction is properly effected by you.

   5. Provisional credit: If we are required by Applicable Laws to make a provisional credit to your Designated Account to which the Debit Card is linked to pending the conclusion of any investigation or resolution of a disputed transaction, we will make such provision credit on the basis that you will refund the provision credit in full in the event that you are found to be fully liable for the disputed transaction (or refund the provision credit in part if you are partially liable for the disputed transaction). We shall be entitled to debit any of your Designated Account maintained with the Bank to effect the refund. If there is insufficient funds in your Designated Account, we may, after giving you a reasonable period to settle the shortfall, initiate a debt recovery process to recover the shortfall.

   6. Our rights: We reserve the right to commence and institute legal action as we deem necessary against you if we discover or become aware of any false, fraudulent or unlawful claims in connection with or arising from, the disputed Debit Card transaction.

7. FEES AND CHARGES

   The Bank shall be entitled to impose fees and charges for any of the services provided to you. Please see Fees and Limits as set out at https://rytbank.my/fees-and-limits for details of the applicable fees, charges, and default interest rates. You agree that all applicable fees and charges may be debited from the Designated Account.

8. YOU MAY FREEZE YOUR DEBIT CARD

   You may:

   1. temporarily freeze the use of your Debit Card;

   2. uplift the temporary freeze and reactivate your Debit Card; or

   3. terminate your Debit Card,

      at any time in accordance with the procedures prescribed by us. We shall not be responsible for any loss that you may incur as a result of your taking any action in (a), (b) or (c).

9. TERMINATION OR CANCELLATION OF DEBIT CARD

   1. Termination, cancellation and suspension: We reserve the right to terminate or cancel your right to use your Debit Card at any time in accordance with Clause 24 (Termination / Closure of Account) of the General Terms, or suspend your account at any time in accordance with the General Terms. The termination or cancellation of a Debit Card is not and will not constitute any reflection on your character or creditworthiness and we shall not be liable in any way for any statement made or deemed made by the termination or cancellation.

   2. Bank may cancel an unused Debit Card: We reserve the right to cancel any Debit Card that has not been used to carry out a withdrawal or purchase within such period prescribed by us. Issuance fee for new Debit Card will apply if you later request for a Debit Card and such fee will be debited to the Designated Account.

   3. Effect of cancellation or termination of Debit Card: Upon closure of your Designated Account or cancellation or termination of your Debit Card:

      1. you must immediately cease all use of the Debit Card via any means, cut any physical Debit Card in half so that the magnetic strip and hologram are no longer intact and securely dispose your physical Debit Card.

      2. all accrued rights and liabilities under these Debit Card Terms shall continue to remain in full force and effect and shall survive any cancellation, restriction or suspension of the Debit Card until their full discharge and settlement.

      3. you agree to waive your right of refund of any fees charged for the unexpired term of the Debit Card.

10. EXCLUSION OF LIABILITY

    1. You agree not to hold us liable in anyway whatsoever by reason of any loss, damage, or injury howsoever caused or if the Debit Card is not honoured due to any mechanical defect or malfunction of any ATM, POS terminal, internet network or such other terminals or channels that is available to you or due to a loss or interruption of power supply.

11. DIGITAL WALLET

    1. Storing Debit Card in a Digital Wallet:

       1. you may store a digital version of your Debit Card in a Digital Wallet on your Compatible Device if your Debit Card or Account is in good standing according to our terms and conditions. Notwithstanding this, you acknowledge that the Digital Wallet Provider may reserve its own right to decline, suspend, delete or reactivate any storing of your Debit Card;
       2. any Debit Card or account information entered into the Digital Wallet is provided by you and you are solely responsible for the completeness and accuracy of the information;
       3. where you have more than one Debit Card, you acknowledge that the storing of a Debit Card will not automatically store the other Debit Cards in the Compatible Device. For each and every Debit Card that you store, you agree to adhere to this Clause 11 (Digital Wallets); and
       4. you acknowledge that the Digital Wallet Provider may restrict the maximum number of Debit Cards that you are able to store in the Compatible Device.

    2. Use of Digital Wallet:

       1. you must keep access to your Digital Wallet and Compatible Device safe;
       2. you may perform Contactless transactions where the Digital Wallet is accepted as a payment method;
       3. we may refuse to approve your transaction made using the Debit Card stored in a Compatible Device in accordance with the General Terms;
       4. the storing of the Debit Card in a Compatible Device is at your own risk and you assume all risks arising from the use of that Debit Card;
       5. the Digital Wallet may display your transaction history for payments made through a Digital Wallet. You acknowledge that the listed transactions there may not reflect the transactions that you have made using the Debit Card; and
       6. we may, at our discretion, block or disable access to any Digital Wallet, whether in whole or in part, at any time.

    3. Acknowledgement of Risk and Responsibility: Your use of any Digital Wallet is governed by the terms, conditions, and privacy policies of the relevant Digital Wallet Provider, which you must agree to in addition to these Debit Card Terms. You acknowledge that:

       1. these terms, conditions, and privacy policies are in addition to these Debit Card Terms, and they shall not change nor override these Debit Card Terms;
       2. if, at any time, you do not agree to the terms, conditions, and privacy policies of the Digital Wallet Provider, you shall not store your Debit Card in the Digital Wallet on a Compatible Device, or where already stored, you must remove the Debit Card from your Compatible Device;
       3. you are aware of and accept the risk of incurring loss which may arise from or in connection with unauthorised transactions made using your Debit Card in the Digital Wallet;
       4. you are responsible for taking all security measures relating to the use of your Debit Card in the Digital Wallet, including any measures we or the Digital Wallet provider may recommend from time to time;
       5. you agree to notify the Bank after having discovered that:
          1. the Compatible Device is lost, stolen, or compromised,
          2. an unauthorised transaction has been made or
          3. the Digital Wallet has been compromised;
       6. we are not the Digital Wallet provider and make no representations or warranties regarding the functionality or availability of the Digital Wallet, including the ability to successfully enrol your card;
       7. we do not assume responsibility for the actions, performance, or systems of the Digital Wallet provider or any other third parties involved in the Digital Wallet ecosystem;
       8. we are not responsible for any disruption, failure, connection issues, network interruptions, or any other technical issue that may cause inability to complete transactions via the Digital Wallet;
       9. we are not liable for any claims, disputes, losses, or proceedings resulting from any problems that affect the enrolment or use of the Digital Wallet; and
       10. we are not responsible for the handling, privacy, or security of any personal data shared by you with the Digital Wallet provider or with third parties supporting the Digital Wallet.
       11. you agree to remove the Debit Card from the Compatible Device prior to disposing the Compatible Device (including but not limited to selling or giving to another person the Compatible Device); and
       12. you agree to remove the Debit Card from the Compatible Device upon termination of Digital Wallet or the Debit Card.

    4. Bank not to liable for your use of a Digital Wallet:

       1. we shall not be involved in any disputes between you and the Digital Wallet Provider;
       2. we shall not be responsible for any failure or inability in performing any transactions through Digital Wallet including but not limited to cyber-attack on the Digital Wallet. We also shall not be responsible for performance of Digital Wallet Provider or other third parties that may impact the usage of Digital Wallet; and
       3. you acknowledge that we are not liable for any such claim and/or dispute or legal proceedings arise directly or indirectly due to poor connection or network coverage with the enrolment and usage of Digital Wallet.

    5. Privacy and sharing of data: Upon adding and using the Debit Card in the Digital Wallet, you acknowledge and agree that your information may be transmitted and stored in the Compatible Device. We shall not be responsible for privacy and security of personal data and information shared by you to the Digital Wallet Provider and/or third party working with the Digital Wallet Provider.

12. ADDITIONAL BENEFITS, SERVICES OR PROGRAMMES

    1. We may provide at our sole discretion, additional services, benefits, discounts or programmes in connection with the use of the Debit Card. Any such additional services, benefits, discounts or programmes will be subject to separate terms and conditions governing such additional services, benefits, discounts or programmes.

    2. We may also partner with or introduce you to Authorised Merchants who offer or make available to you such additional services, benefits, discounts or programmes. The Bank is neither responsible nor liable for the acts of any Authorised Merchants or other person, or for any additional services, benefits, discounts or programmes that are offered by such Authorised Merchants or other person.

SECTION D - SPECIFIC TERMS AND CONDITIONS APPLICABLE TO RYT CREDIT

Effective Date: 11 November 2025

1. APPLICATION FOR RYT CREDIT

   1. Ryt Credit Terms: This section sets out the specific terms and conditions in respect of your application for, and the use of, Ryt Credit (these Ryt Credit Terms). You must read and understand these Ryt Credit Terms and the Ryt Credit product disclosure sheet before applying to use Ryt Credit.

      Please reach out to us if you require any clarification on the feature of, or the terms applying to, Ryt Credit.

   2. Acceptance and Acknowledgement: By applying for and/or using Ryt Credit, you confirm you have read, understood, agreed to and accepted these Ryt Credit Terms.

   3. Eligibility: An application for Ryt Credit is subject to you meeting the following eligibility requirements:

      1. you have opened and activated an Account, and that Account is in good standing, not terminated, closed, dormant or delinquent;
      2. you are a Malaysian citizen residing in Malaysia;
      3. you are between the ages of 18 and 60 years old and have full legal capacity;
      4. you have not been declared bankrupt; and
      5. you are not in breach or suspected to have breached any of the General Terms or Specific Terms. By applying for Ryt Credit, you represent and warrant that you meet all the eligibility requirements above.

   4. Provision of documents and information: You agree to provide any documentation or information requested by the Bank in connection with your application for, and use of, Ryt Credit where we deem necessary.

   5. One facility at a time: You may apply and maintain only one Ryt Credit facility at all times. Any request by you to increase the Approved Limit will be subject to our assessment and approval.

   6. We may approve or reject: We may approve or reject your application at our discretion, based on your credit assessment, without giving any reason unless we are legally obligated to do so.

2. DEFINITIONS

   The following definitions apply unless otherwise stated:

   Approved Limit : the maximum amount that you may utilise which the Bank approves for Ryt Credit.

   Authorised Merchant : means any merchant supplying goods and/or services where the Bank allows payments to be made using Ryt Credit.

   Available Limit : means the remaining credit limit available to you, after reduction of your outstanding unpaid monies from the Approved Limit.

   Ryt Credit : means a "buy now, pay later" facility provided by the Bank to you which enables you to make purchases of goods and services from an Authorised Merchant, via payment channels approved by the Bank, based on instalment tenure chosen and within the Approved Limit.

   Repayment Date : means a due date stated on the Electronic Statement for the settlement of the sum specified therein.

   Ringgit or RM : means the lawful currency of Malaysia.

   Statement Date : means the date on which the Electronic Statement is issued to you.

3. USE OF RYT CREDIT

   1. Bank to assign Approved Limit: If we approve your application, we will at our discretion determine and assign you an Approved Limit. You must activate your Ryt Credit Account within thirty (30) days, failing which we may revoke our offer and cancel the Approved Limit.

   2. Ringgit and foreign currency:

      1. You may utilise Ryt Credit with an Authorised Merchant in Malaysia for transactions in ringgit.
      2. You may utilise Ryt Credit with an Authorised Merchant for transactions in permitted foreign currencies only via channels approved by the Bank. Where you choose to do so, the foreign currency will be converted into ringgit, and the converted amount (including any applicable fees and charges) will be reflected in the Electronic Statement.

   3. Utilisation:

      1. You can utilise Ryt Credit by selecting Ryt Credit as the source of funds for the relevant payment channels approved by the Bank, in a single transaction or multiple transactions, subject to the Approved Limit.
      2. You may utilise Ryt Credit up to the amount of your Available Limit at that time. As you make repayment, your Available Limit will be increased by an amount equal to the principal amount repaid.
      3. We may impose minimum and/or maximum transaction amount in order to use Ryt Credit.
      4. By utilising Ryt Credit, you agree to be solely responsible for the full repayment of all amounts utilised, including all instalments and applicable interest (if any).

   4. Managing your Ryt Credit Account: You may, among others, view your Approved Limit and Available Limit as well as track the Repayment Dates via the Ryt Bank App.

4. REPAYMENT

   1. Monthly statement: When you utilise Ryt Credit, an Electronic Statement will be made available to you on a monthly basis through the Digital Banking Services based on your assigned monthly billing cycle. The Electronic Statement sets out the details of your purchase(s) made during that billing cycle (Current Statement Amount) and the other instalment amounts owed by you under your Ryt Credit Account for the previous billing cycles (if any), including any applicable interest and taxes, and the relevant Repayment Dates.

   2. Repayment options: You may make repayment for each Current Statement Amount via the following options:

      1. one-off settlement: repay the Current Statement Amount in a single payment by the Repayment Date specified in the Electronic Statement, in which case no interest will accrue and be payable; or
      2. settlement by instalments: repay the Current Statement Amount in either 3, 6, 9, 12 or 24 monthly instalments, in which case interest will accrue and be payable in accordance with Clause 5 (Interest) below.

   3. Conversion into instalments: Where you did not make full repayment of the Current Statement Amount by the relevant Repayment Date, the Current Statement Amount will be converted into instalments at such repayment tenure (i.e. 3, 6, 9, 12 or 24 months) selected by you, or if you have not made a prior selection, at such repayment tenure as determined by the Bank. The first instalment in respect of the Current Statement Amount will be due and payable on the Repayment Date specified in the Electronic Statement. Once the Current Statement Amount has been converted into an instalment plan, you are bound by the repayment tenure and will not be able to vary the tenure option for that amount. However, the Bank reserves the right to vary the number and/or amount of instalments with prior notice to you.

   4. When repayments considered to be made: All repayments must be made through your Account (or in such other modes prescribed by us) and will not be considered to have been made until the relevant repayments have been received for value by us.

   5. Longest outstanding amount to be repaid first: Where you have made a repayment, your repayments will first pay off the longest overdue amount, then to subsequent longest overdue amount(s) in a chronological order.

   6. Auto debit for instalment repayment: Upon conversion of any Current Statement Amount into instalments pursuant to Clause 4.3 (Conversion into instalments), you consent and authorises the Bank to debit the funds in your Ryt Bank Savings Account automatically for purposes of repayment of each outstanding instalment on the specified Repayment Date, until full settlement of all outstanding balance under the instalment plan. You must ensure that there are sufficient funds in your Ryt Bank Savings Account for the auto-debit to take place. Please note that this auto debit function is not applicable for one-off settlement of the Current Statement Amount pursuant to Clause 4.2(a). If you wish to settle the Current Statement Amount in a single payment (without converting it into an instalment plan), please manually perform the fund transfer from your Ryt Bank Savings Account to your Ryt Credit Account via the App on or before the relevant Repayment Date.

   7. Bank's right to debit and set-off: In addition to Clause 4.6 (Auto debit for instalment repayment), you agree that the Bank may, but is not obligated to, at any time debit and set-off the funds in your Ryt Bank Savings Account (or any other Account belonging to you) against any amounts due and payable under your Ryt Credit Account by giving you at least 7 days' prior notice and in accordance with the provisions of the General Terms.

   8. Return, refund or waiver:

      1. Where you have made a payment to an Authorised Merchant via Ryt Credit and wish to request for a full or partial refund, return or waiver with respect to such payment (Refund), such request shall be subject to the relevant Authorised Merchant's refund, return or waiver procedures and our own checks and verification.
      2. Once the Refund process is successfully completed, the relevant amount paid to the Authorised Merchant will be refunded and credited to your Ryt Credit Account (Refund Amount) and your Available Limit may be increased by a sum equivalent to the Refund Amount. We may, but is not obligated to, first apply the Refund Amount towards reducing the next instalment coming due, and then to the subsequent instalment coming due in a chronological order.
      3. Notwithstanding any event of Refund, you will remain liable for the full repayment of all instalments on the relevant Repayment Date(s), and any applicable interest will continue to accrue and be payable in accordance with these Ryt Credit Terms. Any interest that you have paid will not be refunded to you.
      4. You acknowledge that all Refund requests are subject to third party processes and handling methods, and the duration of time required to process the same may vary depending on various factors beyond our control. You shall not hold us responsible for any delays in relation to any Refund request.

   9. Appropriation: In respect of all monies held, received or recovered by us in respect of your liabilities under your Ryt Credit Account, the Bank may, at our sole discretion: (a) refrain from applying such monies in or towards discharge of the liabilities; (b) hold such monies in a non-interest bearing suspense account for so long as the Bank thinks fit; and (c) utilise and appropriate such monies towards payment of principal, interest or other amounts due and payable in such manner and order as the Bank thinks fit.

5. INTEREST

   1. Interest on instalments: Where applicable, interest will be charged at the rate set out at https://rytbank.my/fees-and-limits. We reserve the right to vary the applicable interest rate at any time upon giving prior notice to you.

   2. Calculation of interest: Unless otherwise specified, interest for each instalment is calculated on daily rest using the reducing balance method and based on the actual number of days elapsed in a year of 360 days.

   3. Payment of interest: All accrued interest shall be payable on a monthly basis throughout the relevant repayment tenure on the respective Repayment Dates.

6. PREPAYMENT AND EARLY SETTLEMENT

   1. Prepayment options: You may make a full or partial prepayment or early settlement for the outstanding balance under your Ryt Credit Account via the following options:

      1. upcoming instalment(s): prepay the aggregate sum of the instalment(s) coming due on the next Repayment Date, in which case you will continue to be charged the applicable interest as if the instalment(s) were repaid on the Repayment Date;
      2. current balance: prepay all amounts utilised based on purchase(s) made in the current billing cycle (Current Balance), in which case no interest will accrue and be payable. You may only make such prepayment after you have early settled all upcoming instalment(s) coming due on the next Repayment Date; or
      3. full early settlement: early settle the total unpaid outstanding balance under your Ryt Credit Account (including all outstanding principal, accrued interest and overdue sums payable under your Ryt Credit Account) in a single payment, in which case interest (where applicable) will only accrue and be payable up to the date of the early settlement.

   2. Early settlement fee: There will be no penalty or early settlement fee applicable if you wish to effect a prepayment or early settlement in accordance with this Clause 6 (Prepayment and Early Settlement).

   3. No closure of Accounts: You agree that we may disallow the closure of your Accounts maintained with us if there is any outstanding balance in your Ryt Credit Account.

7. SUSPENSION, CANCELLATION OR TERMINATION

   1. You may cancel or suspend: You may cancel or suspend your use of Ryt Credit at any time by calling or writing to our Customer Service Centre. However, before doing so, you must fully repay all outstanding amounts, including unpaid instalments and interest.

   2. We may terminate or suspend: We reserve the right to terminate or cancel your Ryt Credit Account in accordance with Clause 24 (Termination / Closure of Account) of the General Terms. We may also at our sole discretion cancel, recall, withdraw, terminate, or suspend your Ryt Credit Account (including reversing any payment transaction, reducing your Approved Limit or preventing any further utilisation):

      1. if we reasonably believe that any of your Ryt Credit transactions may involve fraudulent, illegal or criminal activities; or
      2. if you miss a repayment on any Repayment Date or breach any other provision of these Ryt Credit Terms or the General Terms.

      Upon cancellation, suspension, withdrawal, termination or recall of your Approved Limit or any utilisation, you must immediately cease all use your Ryt Credit Account and settle in full all monies and outstanding amounts under your Ryt Credit Account.

   3. Fraudulent or illegal activities: We reserve the right to suspend, cancel or reverse the processing of any payment transaction where we reasonably believe that the payment transaction may be related to any fraudulent, illegal or criminal activity or where we reasonably believe that.

   4. We will not be liable: Where your access to Ryt Credit (or any transaction thereunder) is terminated, cancelled or suspended in accordance with these Ryt Credit Terms or the General Terms, you agree that we will not be liable for any losses, expenses or claims suffered by or brought against you that is due to your act, omission, default, negligence and/or misconduct except where the same arise from the fraud, gross negligence, wilful misconduct or wilful default of the Bank.

8. FEES AND CHARGES

   Bank entitled to impose fees and charges: The Bank shall be entitled to impose fees and charges for any of the services provided to you. Please see Fees and Limits as set out at https://rytbank.my/fees-and-limits for details of the applicable fees, charges, and interest rates. You agree that all applicable fees and charges may be debited from your Account with us.

9. EXCLUSION OF LIABILITY

   You agree not to hold us liable in any way whatsoever by reason of any loss, damage, or injury howsoever caused from your use of Ryt Credit, or if a payment using Ryt Credit is not honoured due to any mechanical defect or malfunction of any malfunction of any internet network or such other terminals or channels that is available to you or due to a loss or interruption of power supply.

10. DISCLOSURE OF INFORMATION

    You irrevocably consent to the Bank collecting, processing and disclosing information relating to or arising from or in connection with your Ryt Credit Account in accordance with the provisions under the General Terms.

11. CONTACT CUSTOMER SERVICE CENTRE

    Where you are unable to make a payment, please contact our Customer Service Centre immediately to discuss possible solutions.

SECTION E - SPECIFIC TERMS AND CONDITIONS APPLICABLE TO RYT INVEST

Effective Date: 12 May 2026

1. APPLICATION AND USE OF RYT INVEST

   1. Ryt Invest Terms: This section sets out the specific terms and conditions in respect of your application for, and the use of, Ryt Invest (these Ryt Invest Terms). You must read and understand these Ryt Invest Terms before applying to use Ryt Invest.

      Please reach out to us if you require any clarification on the feature of, or the terms applying to, Ryt Invest.

   2. Acceptance and Acknowledgement: By applying for and/or using Ryt Invest, you confirm you have read, understood, agreed to and accepted these Ryt Invest Terms.

   3. Eligibility: Ryt Invest is available only to individuals who satisfy the following eligibility requirements:

      1. you hold and maintain an active Ryt Bank main savings account (Savings Account) with a completed account verification and e-KYC process, and that Savings Account is in good standing, not terminated, closed, dormant or delinquent;

      2. you are a Malaysian citizen residing in Malaysia with a MyKad;

      3. you are between the ages of 18 and above and have full legal capacity;

      4. you have not been declared bankrupt; and

      5. you are not in breach or suspected to have breached any of the General Terms or Specific Terms.

      The Bank reserves the right to impose additional eligibility criteria from time to time, with notice to you where practicable.

   4. Onboarding: To access and use Ryt Invest, you are required to complete the onboarding process on the App which includes submission of required information and documentation, completion of identity verification and all applicable screenings, subject to approval by the Bank.

   5. Provision of documents and information: You agree to provide any documentation or information requested by the Bank in connection with your application for the access and use of Ryt Invest where we deem necessary.

   6. We may approve or decline: We may approve or decline your application at our discretion, without giving any reason, unless we are legally obligated to do so.

2. DEFINITIONS

   The following definitions apply unless otherwise stated:

   Ryt Invest Cooling-off Period	means the period of six (6) Business Days commencing from the date of your first time investing through the Platform during which you may exercise your cooling-off right pursuant to Clause 6 (Cooling-off Rights) below.
   Fund	means each unit trust managed by the relevant Fund Manager and made available through the Platform, as listed and updated from time to time.
   Fund Documents	means all documents relating to a Fund issued by the relevant Fund Manager, including but not limited to the prospectus, supplemental prospectus, product highlight sheet, fund factsheet, and such other relevant disclosure documents provided by the relevant Fund Manager.
   Fund Manager(s)	means the fund manager(s) licensed and regulated by the Securities Commission Malaysia, as stated on https://www.rytbank.my/ryt-invest and updated from time to time.
   NAV	means net asset value per unit of a Fund representing the total value of a Fund's assets minus its liabilities, divided by the number of outstanding units.
   Ryt Invest	means the feature and services made available by the Bank on the Platform that provide you with the technical means to: (a) access digital information and Fund Documents relating to selected Funds; (b) submit buy (subscription) or sell (redemption) Orders in respect of any Fund, subject to these Ryt Invest Terms; and (c) monitor your fund holdings and transaction history through the Platform.
   Platform	means the App which include the logic access, tab, dashboard, account navigation, in-App artificial intelligence tools and any related digital interface in connection with Ryt Invest.
   Orders	means any communication, instruction, order, message data or information received by us through the Platform.
   Transaction	means a buy (subscription) or sell (redemption) transaction in respect of any selected Fund through an Order submitted by you via the Platform.
   you / your	means the individual customer accessing and using Ryt Invest.

3. FUND ACCESS AND INFORMATION

   1. Availability of Funds: The Bank makes available on the Platform information on, and digital access to, selected Funds managed by the Fund Manager(s). The selection of Funds made accessible through the Platform may be updated, expanded, or reduced on the Platform from time to time. The Bank does not guarantee the continued availability of any specific Fund on the Platform. All fund management activities including asset allocation, investment decisions, pricing of units and management of Fund assets are conducted solely by the relevant Fund Manager in accordance with the relevant Fund Documents and applicable laws and regulations.

   2. Independent Fund Manager: Each Fund Manager is an independent, non-affiliated entity and is not a subsidiary, associate, or related company of the Bank.

   3. Fund Documents: The Fund Documents for each Fund and all other Fund-specific information including performance data are made available on the Platform as provided by the relevant Fund Manager(s). You are required to read and understand the relevant Fund Documents in full before executing any Transaction. You acknowledge that:

      1. the Fund Documents are prepared, issued, and maintained by the relevant Fund Manager;

      2. the Bank makes no representation and warranty as to the accuracy, completeness, or currency of any Fund Document;

      3. in the event of any inconsistency between information presented on the Platform and the Fund Documents, the Fund Documents shall prevail;

      4. if you have any doubts or require clarification on any aspects of the Fund Documents, including the risks thereon, or the terms and conditions imposed by the relevant Fund Manager, you are advised to seek assistance from the relevant Fund Manager. A list of Fund Manager(s) including its contact details and website link (if applicable) are available at https://www.rytbank.my/ryt-invest, as updated from time to time.

   4. NAV and Pricing Information: NAV information displayed on the Platform is sourced from the relevant Fund Manager and is updated on the Platform from time to time in accordance with the information made available by the relevant Fund Manager. The Bank does not independently verify any NAV, valuation and pricing information, and Bank makes no representation and warranty as to the accuracy and completeness of such data provided by the Fund Manager. The actual NAV at which your Transaction is processed may differ from the NAV and total fund holdings displayed on the Platform at the time of your Transaction submission, due to the time of processing and market movements in real-time.

   5. Performance Data: Any performance data (including historical data, return figures, or performance benchmarks in connection with a Fund) displayed in connection with a Fund on the Platform are for information purposes only. Past performance is for reference and not indicative of future performance. You should not place undue reliance on past performance data when making investment decisions.

   6. Risk Profile: As part of the onboarding process, you may be required to complete a risk profile assessment. Your risk profile may help you better understand the investment risk categories generally correspond to your circumstances. You acknowledge and agree that:

      1. your risk profile display on the Platform is solely for non-commercial use and reference only, where such display is not intended to provide representation, investment advice or recommendation, nor is the Bank assessing the suitability of Funds on your behalf;

      2. you may update your risk profile through the Platform at any time; and

      3. you may choose to invest in a Fund that does not correspond to your risk profile and the Bank shall not be responsible for any loss or damages arising from your investment decision.

   7. Independent Decision-Making: All investment decisions made through the Platform are your own independent decisions. You are solely responsible for assessing the suitability of any Fund based on your circumstances (financial or otherwise), objectives, investment goals, and ability to accept risks and tax implications. You acknowledge and accept full responsibility for the consequences of your investment decisions, including any losses incurred.

   8. Returns are not guaranteed: The Bank does not guarantee the performance of any Fund displayed on the Platform, the return of your principal investment, or any gains and investment income. Any illustrations, examples or projections on the Platform are for illustrative purposes only and do not constitute a representation, warranty, or guarantee of actual outcome. Investments made through the Platform are not deposits and are not protected by the Malaysia Deposit Insurance Corporation (PIDM). Your investment is subject to investment risks including the possible loss of some or all amount invested. Ryt Invest is distinct from and should not be misconstrued with any deposit products offered or made available by the Bank.

   9. Disclaimers: The Bank disclaims liability for any errors, omissions or inaccuracies arising from the information in reliance upon Fund-specific information and data provided by the relevant Fund Manager or information contained in any Fund Document. The Bank also disclaims liability for any loss and damages resulting from the inability to access or use information contained on the Platform, delay in operation, incomplete transmission, failures of systems or networks.

4. TRANSACTIONS

   1. Transaction Facilitation: The Bank's role in connection with Ryt Invest is limited to providing you with digital access to the Platform and facilitating the transmission of your Transaction to the relevant Fund Manager. The Bank is not acting as an agent, intermediary, distributor or representative of the relevant Fund Manager, nor is it acting as an investment manager, adviser, or dealer in relation to the Funds. The Bank does not:

      1. exercise any control or influence over the relevant Fund Manager's investment decisions or fund management activities;

      2. have any involvement in the management, operation, or administration of any Fund;

      3. make any representations or warranties on behalf of the relevant Fund Manager; or

      4. assume any liability or responsibility for the performance, management, or conduct of any Fund or the relevant Fund Manager.

   2. Transaction Submission: You may submit buy or sell Orders through the Platform. By submitting a Transaction, you irrevocably authorise the Bank to transmit all your Orders to the relevant Fund Manager for processing in accordance with the Fund Manager's terms and procedures. You acknowledge and agree to the following conditions:

      1. each Order, once submitted, is subject to the relevant Fund Manager's acceptance and processing procedures;

      2. the Bank's transmission of your Transaction does not constitute a guarantee of execution; and

      3. you remain solely responsible for ensuring the accuracy and completeness of each Order before your submission.

   3. No cancellation: Once an Order is submitted through the Platform, all data contained therein are deemed final and approved by you prior to our transmission of such data to the relevant Fund Manager. Upon Transaction submission has occurred, an Order cannot be suspended, recalled, withdrawn, cancelled or terminated, subject to Clause 6 (see "Cooling-Off Rights" below).

   4. Buy Orders (Subscription)

      1. Sources: You may only fund buy Orders from your Savings Account or Save Pockets. No other funding sources are permitted.

      2. Minimum Amount: The minimum amount for buy Order is RM1.00 and there is no prescribed maximum amount subject to your available Savings Account and/or Save Pockets balance.

      3. Frequency: There are no restrictions on the number of buy Orders you may submit, subject to these Ryt Invest Terms and Fund-specific conditions.

      4. Multiple Orders: Each buy Order is processed independently. The number of units allocated in respect of each buy Order will be calculated based on the applicable NAV at the time of processing by the relevant Fund Manager.

      5. Processing Timeline:

         1. Buy Orders submitted by 4.00 p.m. on a Business Day will be processed on the next Business Day (T+1).

         2. Buy Orders submitted after 4.00 p.m. on a Business Day, or on a non-Business Day, will be processed within 2 Business Days (T+2).

         These timelines are indicative and subject to Fund-specific terms and operational conditions.

   5. Sell Orders (Redemption)

      1. Eligible Units: You may submit sell Orders in respect of units that have been credited to your fund holdings on the Platform. Units that are within a pending Transaction processing cycle and have not yet been credited to your fund holdings are not available for redemption.

      2. Sale Proceeds: The sale proceeds will be credited solely to your Savings Account.

      3. Processing Timeline:

         1. Sell Orders submitted by 4.00 p.m. on a Business Day will be processed on the next Business Day (T+1).

         2. Sell Orders submitted after 4.00 p.m. on a Business Day, or on a non-Business Day, will be processed within 2 Business Days (T+2).

         These timelines are indicative and subject to Fund-specific terms and operational conditions.

   6. Transaction Confirmation: You will receive booking confirmation of each Transaction through the Platform. Your transaction history, including details of each Transaction and any applicable fees, are accessible through the Platform.

   7. Transaction Errors: You are responsible for reviewing your transaction records promptly. If you identify any discrepancy or error in your transaction history, please contact our Customer Service Centre immediately. The Bank will endeavour to investigate and address reported discrepancy or error in a timely manner but does not guarantee that any Transaction can be reversed once submitted and transmitted to the relevant Fund Manager.

5. FEES AND CHARGES

   1. Bank's entitlement to impose fees and charges: The Bank shall be entitled to impose fees and charges for the services provided to you through the Platform. Please see Fees and Limits as set out in https://rytbank.my/fees-and-limits for details of the applicable fees and charges.

   2. Sales Charge: A sales charge (imposed by the relevant Fund Manager) may be applicable to buy Orders for the Funds. The applicable sales charge for each Fund will be set out in the Fund Documents and Fund-specific information available on the Platform. The sales charge will be calculated as a percentage of your buy (subscription) amount. For illustration, if you submit a buy Order of RM1,000.00 for a Fund with a sales charge of 2.00%, the sales charge payable is RM20.00.

   3. Fund-Level Charges: The Funds are subject to management fees, trustee fees, and other operating and administrative expenses as set out in the relevant Fund Documents. These charges are incorporated into the Fund's daily pricing and are reflected in the NAV.

   4. Redemption Charges: There are currently no fees or charges applicable for sell Orders through the Ryt Invest Platform. The Bank reserves the right to introduce or vary fees or charges with prior notice to you.

   5. Fee Adjustments: The Bank reserves the right to introduce or vary any fees and charges applicable to Ryt Invest. You will be notified of any changes in accordance with Clause 1.2 (Changes and Amendments) of the General Terms.

   6. Sales and Services Tax (SST): Fees and charges are subject to applicable SST under prevailing tax laws. Where SST is applicable, it will be reflected in the amount shown on the Platform before you submit a buy Order.

6. RYT INVEST COOLING-OFF RIGHTS

   1. Entitlement: Subject to Clause 6.2 (Exclusions) below, you may exercise your cooling-off rights in respect of your first buy Order made with each Fund Manager available through the Platform. For the avoidance of doubt, in the event you have previously exercised your cooling-off right with a Fund Manager, you remain entitled to exercise such right in respect of your first buy Order with another Fund Manager as may be onboarded onto the Platform from time to time. The cooling-off right permits you to cancel your first buy Order with each Fund Manager and obtain a refund of the subscription amount, sales charge, and any SST levied thereon, subject to the terms set out in Clause 6. It does not apply to any subsequent buy Orders to the same or any other Funds with the same Fund Manager.

   2. Exclusions: This cooling-off right is not available to corporate or institutional investors, employees of the Fund Manager, or any person registered with a body approved by the Securities Commission Malaysia.

   3. Basis of Refund: Refunds pursuant to the exercise of cooling-off right will be based on the NAV at the time of your first time buy Order. The refund will include the buy amount, the sales charge paid and any SST levied on the sales charge. To exercise your cooling-off right, you must contact our Customer Support Centre within the Cooling-off Period and submit a cooling-off request and, upon confirmation of acceptance by the relevant Fund Manager, the refund will be credited to your Savings Account within seven (7) Business Days barring no unforeseen circumstances.

7. SUSPENSION AND TERMINATION

   1. You may suspend or terminate: You may suspend or terminate your access to Ryt Invest at any time by calling or writing to our Customer Service Centre. Cancellation or suspension is subject to the following conditions:

      1. you have submitted sell Orders across all Funds and the sales proceeds have been credited to your Savings Account; and

      2. there are no pending or unresolved Transactions or disputes in relation to your access or use of Ryt Invest.

      Cancellation or suspension of your access of Ryt Invest will not affect your Savings Account or Save Pockets.

   2. We may suspend or terminate: We reserve the right to suspend or terminate your access to Ryt Invest in the following circumstances:

      1. in accordance with Clause 24 (Termination / Closure of Account) of the General Terms;

      2. the Bank is required to do so by applicable law, regulations or regulatory body's direction;

      3. the Bank decides to discontinue Ryt Invest as a feature; or

      4. your continued access poses a risk of harm, fraud or legal exposure to the Bank.

      We may also at our sole discretion cancel, recall, withdraw, terminate, or suspend your Transaction (including reversing any payment transaction or preventing any further utilisation) if we reasonably believe that any of your access, or use of, Ryt Invest or any Transaction made through the Platform may involve fraudulent, illegal or criminal activities.

   3. Fraudulent or illegal activities: We reserve the right to suspend, cancel or reverse the processing of Transaction where we reasonably believe that such Transaction may be related to any fraudulent, illegal or criminal activity or where we reasonably believe that any of your Accounts with the Bank is compromised.

   4. We will not be liable: Where your access, or use of Ryt Invest (or any Transaction thereunder) is terminated, cancelled or suspended in accordance with these Ryt Invest Terms or the General Terms, you agree that we will not be liable for any losses, expenses or claims suffered by or brought against you that is due to your act, omission, default, negligence and/or misconduct except where the same arise from the fraud, gross negligence, wilful misconduct or wilful default of the Bank.

   5. Effect of Termination: Upon termination of your access to Ryt Invest, no further Transactions in relation to the Funds can be made or effected through the Platform from the effect date of termination. You are required to take reasonable measures as notified by the Bank in enabling you to continue dealing with your units in the Funds directly with the relevant Fund Manager.

8. INTERNET RISKS

   1. Although the Bank takes reasonable measures to maintain a secure environment for information exchange with the relevant Fund Manager, certain risks are beyond the Bank's control. These include risks arising from systems or network failures, hardware or software malfunctions, or downtime.

   2. You acknowledge the inherent risks of executing transactions online. As a precaution, you should ensure that the device you use is properly secure and protected from viruses, and not accessible by unauthorized persons.

   3. You should also remain vigilant against fraudulent emails, hyperlinks, OTPs or attachments designed to obtain personal information or sensitive information unlawfully. The Bank cannot guarantee that communications have not been or will not be intercepted, accessed or altered without authorization.

9. COMMUNICATIONS

   Any notices required to be given by us to you under these Ryt Invest Terms may be given in accordance with Clause 4 (Communications and Transaction Alerts) in the General Terms.

10. INCORPORATION OF GENERAL TERMS

    The following clauses in the General Terms are incorporated into these Ryt Invest Terms:

    1. Clause 16 (Exclusion of Liability);

    2. Clause 20 (Compliance with Applicable Laws, Tax Requirements and Sanctions);

    3. Clause 40.5 (No obligation on our part);

    4. Clause 40.6 (No responsibility on our part);

    5. Clause 40.7 (Indemnification).

11. DISCLOSURE OF INFORMATION

    In addition to Clause 17 (Confidentiality; Disclosure) of the General Terms, the following provisions shall apply:

    1. Third Party Information Provided by You: Where you have collected and shared with the Bank information of another person by reason of the provision of Ryt Invest by the Bank, you represent and warrant that you have obtained the agreement and consent from such person and have complied with all applicable law and regulation, to enable us to process, disclose, store and transfer such information and that such information which you provided to us is true, accurate and complete.

    2. Disclosure to Fund Manager(s): You acknowledge and consent that, in connection with your use of Ryt Invest, the Bank may disclose, transfer and share your personal information and financial data including but not limited to your identity, contact information, risk profile, investment objectives, portfolio holdings, transaction history and such other information reasonably necessary as required by the relevant Fund Manager(s) for the purposes of enabling Fund Manager(s) to perform KYC/AML assessment, administering, managing and reporting on your investments and complying with applicable regulatory and legal requirements.

12. CONTACT CUSTOMER SERVICE CENTRE

    Where you encounter any issues in connection with the Platform, please contact our Customer Service Centre immediately to discuss possible solutions.

SECTION F - SPECIFIC TERMS AND CONDITIONS APPLICABLE TO RYT GROUPS

Effective Date: 25 May 2026

Upon successful activation of your Savings Account, you will gain access to the Ryt Groups feature on the App. This feature allows you to create groups or join groups created by other customers of the Bank to split and track shared expenses (e.g. bills, meals, or other group purchases), collect payments from, and make payments to, members, users or participants of the group (each a Participant).

1. APPLICATION OF THESE TERMS

   1. This document sets out the specific terms and conditions governing the Ryt Groups feature which we may offer you from time to time (the Specific Terms). You must read and understand these Specific Terms carefully before using the Ryt Groups feature. Please reach out to us if you require any clarification.

   2. These Specific Terms must be read with the General Terms (available on our website at https://rytbank.my/terms-and-conditions) and any other relevant terms and conditions as we may impose from time to time with prior notice.

   3. By using the Ryt Groups feature, you are deemed to have read, understood and accepted these Specific Terms.

   4. Some capitalised terms used in this document have been defined in the General Terms.

   5. In case of any inconsistency between what is stated in these Specific Terms and the General Terms, the terms in these Specific Terms shall prevail to the extent of such inconsistency.

2. ACCEPTABLE USE

   1. The Ryt Groups feature is intended to help you organise, track and collect shared expenses and informal debts with friends or family. You acknowledge and agree that:

      1. all entries and payment records created through the feature are for informational and convenience purposes only and do not constitute a legally binding agreement, obligation or debt enforcement mechanism between group members or users;

      2. the Bank does not assume any responsibility or liability for any amount recorded, owed, or claimed to be owed between the Participants and the Bank does not verify, endorse, mediate, or guarantee the repayment or fulfilment of any such obligations;

      3. the Bank will not be a party to any dispute between Participants. Participants must resolve disputes directly amongst themselves without involving the Bank. The Participants shall hold the Bank harmless from and against all claims (including but not limited to third party claims), demands and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of any way connected with such dispute or negotiation; and

      4. the Bank shall not be held liable for any direct, indirect, incidental, special or consequential damages arising out of your use of or inability to use the Ryt Groups feature.

   2. You are responsible for ensuring that you only create, or participate in groups, with individuals you personally know. You should not initiate or accept any request involving users who are unknown to you. The Bank will not be responsible if you accept any request from users you do not know.

   3. If you choose to invite individuals who are not already registered on the App, you are responsible for following up with them regarding their participation or settlement of any expenses. We do not guarantee that invited individuals will download the App, complete registration on the App or join your group.

   4. You are fully responsible for:

      1. providing accurate, complete and current information for the purposes of using the Ryt Groups feature; and

      2. ensuring that the details of the recipients and expenses are accurate before effecting any transfer of funds to settle any amounts owed.

3. CONSENT TO DISCLOSURE OF PERSONAL DATA WITHIN GROUP

   By creating a group, sending or forwarding an invitation to join a group, or accepting an invitation to join a group, you acknowledge and consent to the disclosure of your limited personal data, specifically, your name, phone number and Ryt Bank account number, to other Participants. Such disclosure is necessary to enable identification of Participants, coordination and communication amongst the Participants and facilitate the use of the Ryt Groups feature. If you do not wish for your personal data to be visible to the Participants under the Ryt Groups feature, you should not create, send or forward an invitation, use or join a group.

4. FEATURE AVAILABILITY

   1. The Ryt Groups feature is provided on an "as is" and "as available" basis. We reserve the right, at our sole discretion, to determine, limit, suspend, modify, and/or withdraw any aspect of the feature at any time with reasonable notice to you, including:

      1. the maximum number of groups which you may create or join;

      2. the number of Participants permitted within each group;

      3. the roles, permissions, and functionalities assigned to group, administrators and members;

      4. the maximum number of expense entries that may be recorded in a group; and

      5. the maximum value allowed per expense.

   2. These parameters and features may be updated from time to time, and available at https://www.rytbank.my or on the App, with reasonable notice to you. Continued use of the Ryt Groups feature following such update constitutes your acceptance of the applicable and updated terms and/or limitations.

   3. Where an expense is split equally and the resulting amount cannot be expressed in whole cents, each member's share will be rounded down to the nearest cent. Any remaining amount resulting from such rounding will be allocated to one or more group members as determined by the system to ensure the full expense amount is accounted for.

   4. The Bank makes no warranty that the Ryt Groups feature will meet your requirements and/or that the feature will be uninterrupted, timely, bug-free or error-free, nor does the Bank make any warranty as to the results that may be obtained from the use of the feature or the accuracy of any other information obtained through the feature.

5. SUSPENSION OR TERMINATION

   1. The Bank reserves the right, but has no obligation, to investigate your use of the Ryt Groups feature. You must provide the Bank promptly with any information the Bank requests in relation to your use of the Ryt Groups feature.

   2. Without limiting the generality of Clause 12.5 (We may suspend Products) of the General Terms, we reserve the right to suspend and/or terminate your access to the Ryt Groups feature at any time with or without prior notice:

      1. for any operational, security or legal reasons;

      2. if you breach these Specific Terms; or

      3. at our discretion and by giving notice to you.

ARCHIVED TERMS AND CONDITIONS

Below are previous versions of our Specific Terms and Conditions:

• Specific Terms and Conditions (valid until 14 January 2026) here.
• Specific Terms and Conditions (valid until 10 November 2025) here.
• Specific Terms and Conditions (valid until 10 August 2025) here.