Announcement on Updates to Terms & Conditions (Effective Interest / Profit Rate Disclosure)

To comply with this requirement and enhance transparency, we have updated the following documents to include the necessary disclosures:

1. Balance Transfer – Terms & Conditions
2. Ready Cash – Terms & Conditions

Important Note

1. These updates are made for disclosure purposes only.
2. There is no change to existing loan structures, repayment amounts, tenure, or backend processing.

Effective Date

1. The updated Terms & Conditions will take effect 21 days from the date of this announcement.
2. Customers are encouraged to review the revised Terms & Conditions once available.