I hereby: -

1. request for United Overseas Bank (Malaysia) Bhd (“the Bank”) to open and maintain the account(s) and provide the service(s) specified by me/us in this application;
2. affirm that I have read a copy of the Bank’s terms and conditions governing the account(s) which I am are applying for (“Terms and Conditions”). I confirm that I have read, understood and agreed to be bound by such Terms and Conditions, including any amendments made from time to time by the Bank at its sole discretion with notice. I acknowledge and I am aware that the updated Terms and Conditions will be made available at www.uob.com.my;
3. acknowledge that I am the beneficial owner of the account and I confirm this account is for my personal use;
4. agree to the extent permitted by law and provided always that the Bank has acted in good faith and that there is no negligence or willful default on the Bank’s part, not to hold the Bank liable or responsible in respect of any and all actions, suits, proceedings, claims, demands, losses, costs, damages, liabilities and any expenses whatsoever which may be incurred by or made or taken against me in connection with or arising out of my application;
5. confirm that for Islamic account based on Tawarruq / Commodity Murabahah, I have agreed to appoint the Bank as my agent pursuant to the appointment of agency as provided in the Terms and Conditions to effect the Commodity Murabahah transactions on my behalf;
6. declare that I am not a bankrupt or insolvent and I am not aware of any bankruptcy proceedings instituted against me;
7. agree to the extent permitted by law and provided always that the Bank has acted in good faith and that there is no negligence or willful default on the Bank’s part, to fully indemnify the Bank and keep the Bank harmless at all times from and against all claims, actions, proceedings, demands, losses, damages, costs, charges, liabilities and expenses whatsoever and howsoever incurred by the Bank in connection with or arising out of the Bank opening and maintaining the account(s) and providing the service(s) specified by me in this application;
8. consent to provide all required documentation or information that may be required to enable the Bank and its agents to document me/us in accordance with sections 1471 through 1474 of the United States Internal Revenue Code (“FATCA”) or other agreement by or between governments. I shall notify the Bank in writing within thirty (30) days of any change that affects my tax status and consent to provide all required documentation or other information to process any such change when the Bank requests for the same;
9. acknowledge that under the Income Tax (Automatic Exchange of Financial Account Information) Rules 2016 (“the Rules”), the Bank is obliged to collect information about each account holder’s tax residency status. Where necessary, the Bank is required to submit the information to the Inland Revenue Board of Malaysia (“IRBM”) to comply with the Rules;
10. consent and agree that all my information and any information relating to my accounts can be disclosed to any other country, its central bank or investigative authorities for the purpose of compliance with any automatic exchange of financial account information under any multilateral convention on mutual administrative assistance in tax matters;
11. consent to the collection, storage and disclosure by the Bank and its agents of my Personal Data (as defined in the Terms and Conditions) to persons from whom the Bank and its agents receive or make payments on my behalf and to governmental authorities as required by law or other agreement by or between governments notwithstanding any applicable non-disclosure agreement. I represent that I have secured from any third party (which I have provided his/her Personal Data to the Bank) the consent and waivers necessary to permit the Bank and its agents to carry out the actions described in this paragraph, and that I will secure such consents and waivers in advance of providing similar information to the Bank in the future;
12. confirm that I have received, read and understood and agreed to provide a copy of the Privacy Notice issued by the Bank as may relate to the processing of any Personal Data, to individuals whose Personal Data I provide to the Bank;
13. shall be liable to pay for any fees and charges in relation to the account(s) and any taxes and levies which as at the date of opening of the account(s) as specified above or the provision of services by the Bank to the applicant or at any date subsequent to the above, is required by law, regulations, guidelines, decisions or directives issued under such laws (and shall include any amendments made to such laws, regulations, guidelines, decisions or directives) to be paid to any body or authority having jurisdiction over the Bank, in respect of any fees and charges charged or incurred by the Bank or services provided in relation to the account(s) and the services;
14. consent and agree that any tax or levies incurred by the Bank in relation to the account(s) as specified above or the provision of services by the Bank to me, shall be borne and charged to me and in the event that the Bank shall effect payment, I shall be liable to reimburse the Bank for such amounts paid;
15. confirm that I will comply with the Foreign Exchange Administration (FEA) rules (including any amendments made from time to time) relating to the opening and maintaining of the accounts;
16. for Electronic Banking Services, consent to the linking of all our account(s) which can be accessed with the UOB Debit Card (including accounts not related to Point-of-Sale transaction). I also confirm that I shall be responsible for all instructions and transactions made through UOB Phone Banking Services with the TPIN;
17. acknowledge that all my account(s) held with the Bank shall be automatically registered for UOB Phone Banking Service and UOB Personal Internet Banking Service unless I instruct otherwise;
18. acknowledge that upon approval of my/our application for the account stated in this form, such account will be automatically enrolled for eStatement service and no physical copy of the statement will be sent to me/us. I/We also agree to be bound by the terms and conditions governing eStatement service which is made available at www.uob.com.my. If I/we have opted for hardcopy statement under the section "Change of Statement Mailing Mode" in this form, I/we acknowledge that I/we will receive physical statement and no eStatement for such account.
19. acknowledge that I have read the Perbadanan Insurans Deposit Malaysia (“PIDM”) Brochure;
20. agree that the Bank may reject this application without assigning any reason.
21. understand that my decision to opt in for Overseas withdrawal, E-Commerce, MOTO and POS Overseas service may increase the risk of unauthorised or fraudulent charges transacted on my UOB Debit Card;
22. understand that my decision to opt in for Credit Card ATM cash withdrawal service may increase the risk of unauthorised or fraudulent charges transacted on my UOB Credit Card;
23. acknowledge that upon approval of my ONE Account application, my One Account will be linked to my Debit Card for Point-of-sale transactions;
24. acknowledge that these product(s) is/are protected by PIDM up to RM250,000 for each depositor.
25. consent that the mobile phone number above shall supersede the existing OTP mobile phone number for all account(s) held in my name with the Bank;
26. confirm that the above information is true and correct;
27. consent and authorise the Bank to deal with my account and my details as and when required for the Corporate Employee Scheme (CEP), to the extent permitted by applicable laws/regulations. The Bank shall not be liable at any time for acting on my instructions based on my consent and/or authorization herein;
28. hereby irrevocably and unconditionally give my consent and authorisation for the Bank and its officers to:
    • process the information required for use in accordance and in connection with my application or request for credit/banking facilities, opening of account or any form of banking services;
    • conduct the necessary reference checks including but not limited to credit reference/reporting checks on me, with any credit reporting agencies or any other party, for any of the following purposes: -
      • in connection with my application or request for credit/banking facilities;
      • opening of account or any form of banking services;
      • to carry out any review during the tenure of the credit/banking facilities or account;
      • ascertain my creditworthiness or the status of any litigation matters against me in the event that the Bank decides in its sole discretion that:
        • there is an Event of Default (as defined in the agreement executed between the Bank and myself); o
        • the continuation of the credit/banking facilities or banking services or account could likely be detrimental to the Bank’s interest;
    • obtain and verify any of my information on the Bank’s absolute discretion and as it deems fit which the Bank may require in connection with my application for credit/banking facilities and/or review of the existing credit/banking facilities from the Bank; and
    • disclose any of my information and/or data relating to my account(s) with the Bank and/or any other information or data as the Bank may deem necessary to the Bank’s Group Head Office/Parent Company or any company within the United Overseas Bank Group whether in or outside Malaysia, at the Bank’s sole discretion without further reference to me. I agree to undertake the responsibility to update the Bank in writing and/or by providing supporting documents should there be any change to my personal and financial information;
    • disclose any of my information and/or data relating to my accounts with the Bank and/or any other information or data as the bank may deem necessary to the Bank’s business partner, Prudential BSN Takaful Berhad to assist my enrolment for the complementary Takaful coverage when I open a ProSave Account-i and/or a Lady's Savings Account;
29. hereby irrevocably and unconditionally give my consent and authorisation, for any credit reporting agencies or any other party to disclose any of my credit information (as defined under the Credit Reporting Agencies Act 2010) relating to me, to the Bank and its officers, for the purposes set out in Clause 27 (b)(i) to (iv) above
30. acknowledge and agree that in respect of any information and/or data furnished under clauses 28 and 29 above, the Bank and its officers shall be authorised to collect/gather/search the information from any other data sources;
31. agree that such consent will extend to any information and/or data obtained from any of my account(s) presently maintained, any new application for any form of credit, banking or loan financing/facility, such historical financial or credit records, data or information whether or not provided personally by me/us or by any other sources which was collected, gathered, received, captured or compiled, secured and/or obtained by the Bank and its officers.