Terms and Conditions Governing the National Addressing DatabaseIn these Terms and Conditions (“Terms”), references to “You”, “Your” and “Yours” refers tothe Sumitomo Mitsui Banking Corporation Malaysia Berhad customer who uses the National
Addressing Database (“NAD”) and references to “We”, “Our”, “Ours” and “Us” refer toSumitomo Mitsui Banking Corporation Malaysia Berhad (201001042446 (926374-U)).
These Terms govern Your use of the NAD provided by Us and shall be read in conjunction
with our Terms and Conditions Governing Accounts, Our Electronic Banking Services
Agreement and relevant terms and conditions for Our other product and services, as may
be amended or supplemented from time to time.
1. Definitions“Account” means all types of deposit accounts offered by banks, except for fixed deposit
accounts. This shall include, but is not limited to, all types of conventional and/or Islamicsavings accounts, current accounts, investment accounts, virtual internet accounts.
“DuitNow” means a service which allows customers to initiate and receive instant credit
transfers using a recipient’s account number or DuitNow ID.

3. Modification and Deregistration of your DuitNow ID
a. You may update or change Your DuitNow ID that is linked to Your Account via thechannels made available to You. We will require a reasonable notice period to effectsuch changes or update.
b. You understand and agree that Your DuitNow ID that is linked to Your Account may bederegistered by You or by Us, due to the following circumstances:
i. You wish to transfer Your existing DuitNow ID to another Account in anotherbank e-money issuer;ii. You have changed/ updated Your DuitNow ID;
iii. You have closed Your Account that is linked to Your DuitNow ID;
iv. the mobile number which You have provided to Us as Your DuitNow ID has been
terminated and recycled for use by another person;
v. after a period of inactivity; orvi. Upon investigation, we find out that You or Your DuitNow ID is potentiallyinvolved in any fraudulent activity(s).
c. You will receive a confirmation of de-registration from Us via email notification assoon as the de-registration is confirmed.

“DuitNow ID” means an identifier of an account holder such as a mobile number, NRIC,
passport number, army number or police number (in the case of an individual) or businessregistration number (in the case of a corporate customer) or any other identifiers as may
be introduced by the NAD Operator from time to time.

4. Your Informationa. You represent and warrant that the DuitNow ID used for registration in NAD belongs
to You, is correct, complete and up-to-date for the use of the service and You willpromptly notify Us if there is any change to the DuitNow ID information provided toUs.

“Malware” means computer viruses, bugs or other malicious, destructive or corrupting
software, code, agent, program or macros, and/or phishing or social engineering schemes
which utilise computer software or telecommunications to obtain personal data or any
other personal information for malicious or fraudulent purposes.

b. You acknowledge and agree that other NAD participating banks may perform a NAD
Name Enquiry of Your DuitNow ID for the purpose of verifying/identifying Your
name to Your registered DuitNow ID, as part of facilitating the DuitNow service.

“National Addressing Database” (NAD) means a central addressing depository establishedby the NAD Operator that links a bank or an e-money account to a recipients DuitNow ID
and facilitates payment to be made to a recipient by referencing the recipient’s DuitNow ID.
“NAD Name Enquiry” means a service which returns the name of the owner who hasregistered its DuitNow ID in NAD.
“NAD Operator” means Payments Network Malaysia Sdn Bhd (PayNet) (Company No.:200801035403 (836743-D))“Personal Data” means any information in respect of commercial transactions that relates
directly or indirectly to a customer, who is identified or identifiable from that information
which includes, but not limited to, the customer’s name, address, identification card
number, passport number, banking information, email address and contact details.
“Common ID” means unique identification of a customer which links all DuitNow IDs
registered by the customer such as the customer’s mobile number, NRIC, army number, or
police number, or for non-Malaysians, passport number (in the case of an individual) or in
the case of non-individuals, the business registration number.
2. The NAD Service
a. The NAD service allows You to link an Account that You have with Us to Your
DuitNow ID.
b. By linking Your DuitNow ID to Your Account, You have the option of receiving
incoming funds via DuitNow or any other payments services that address payments
using Your DuitNow ID.
c. When You register Your DuitNow ID in NAD, You will also provide Us with Your
Common ID which be linked to Your Account with Your registered DuitNow ID. Your
Common ID will be used by other NAD participating banks for the purpose ofidentifying You, as part of facilitating the DuitNow service.
d. You may link more than one of Your DuitNow ID to the same Account. However, Youmay not link a particular DuitNow ID to multiple Accounts.

c. You acknowledge and consent to the disclosure of Your DuitNow ID and otherrelevant Personal Data to the NAD Operator for its processing, storing, and archival
and disclosure to the sender of funds under the DuitNow service, Our affiliates,
service providers, other NAD participants and third parties offering the DuitNow
service and their respective customers.
d. You acknowledge and agree that We may disclose your DuitNow ID information toanynone who We are under an obligation to dislose information to under the law or
where it’s is in the public interest, for example to prevent or detect fraud and abuse.
5. Data Protection
a. You consent and Our right to disclose information shall be in addition to, and without
prejudice to the rights accorded to You under the Personal Data Protection Act 2010
and any other applicable laws in Malaysia.
b. We will only disclose, use and process Your DuitNow ID for the purpose of facilitating
the DuitNow service.
c. We have in place, reasonable security measures (both technical and organizational)
against unlawful or unauthorized processing of Your DuitNow ID.
d. We will notify You as soon as practicable if Your DuitNow ID is lost, destroyed, orbecomes damaged, corrupted or unusable.
6. Liability
a. We and the NAD Operator shall not be liable for any losses or damage You may suffer
as a result of, including but without limitation:
i.
ii.
iii.
iv.

Your failure to maintain up-to-date information and Your failure to provide
accurate information to us;
Our compliance with any instruction given or purported to be given by You
which is apparent to a reasonable person receiving such instruction;
any misuse or any purported or fraudulent use of Your DuitNow ID including
instances whereby online fraud is perpetrated by way of any Malware;
any disclosure of any information which You have consented to Us collecting,using or disclosing or where such collection, Use or disclosure is permitted
or required to be disclosed under the applicable laws in Malaysia.

7. Miscellaneousa. You acknowledge that We have the right to change, vary or modify these Terms byproviding You with 30 days in notice in such manner as We deem fit and You agree
to be bound by such Terms as cancelled or revised or modified.
b. These Terms shall be construed in accordance with the laws of Malaysia and You
agree to submit to the non-exclusive jurisdiction of the courts of Malaysia.

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