You understand that RHB Investment Bank Berhad ("RHBIB") will use, collect, record, store, share and/or process your personal information, including, without limitation, your contact details, background information, financial data, tax residency and other information relevant to your application for the product and / or service which

1. you have provided in this form or through any other contact with RHB Banking Group (which shall include its holding company, subsidiary(s), and any associated company(s), including any company as a result of any restructuring, merger, sale or acquisition), or
2. has been obtained from analysis of your payment and other transactions/services within the RHB Banking Group, or
3. has been obtained from third parties such as employers, joint applicants/accountholders, guarantors, legal representatives, industry/financial related associations, government/regulatory authorities, credit bureaus or credit reporting agencies, retailers, social networks and fraud prevention agencies or other organizations

for any and/or all of the following purposes ("Purpose"), if applicable:

1. providing this product and/or service and notifying you about important changes or developments to the features;
2. updating and managing the accuracy of RHB Banking Group's records;
3. prevention, detection or prosecution of crime, and complying with legal and regulatory obligations;
4. assessment and analysis including credit, lending, insurance risks and/or other risk purposes, behaviour scoring, mining, profiling, data analytics, due diligence, market and product analysis and/or market research;
5. communications and ensuring customer satisfaction, which may include conducting surveys to improve the quality of our products and services, responding to inquiries and complaints and to generally resolve disputes;
6. determining the amount of your indebtedness and recovering debt that you owe to RHBIB;
7. maintaining your credit history for present and future reference;
8. enabling an actual or proposed assignee of RHBIB, or participant or sub-participant of RHBIB to evaluate your transactions which are intended to be the subject of the assignment, participation or sub-participation;
9. cross-selling, marketing and promotions of products and/or services of RHB Banking Group and its strategic alliances;
10. for RHBIB's corporate events (including networking events, launching of products, etc) /contests, of which photographs / images of you may be captured and may be used for RHBIB's publications;
11. protecting RHB Banking Group's interests; or
12. all other purposes which are ancillary to or related with any of the above.

You understand and acknowledge that it is necessary for RHBIB to process your personal information for the Purpose, without which RHBIB will not be able to provide the product/service that you have requested from RHBIB and to notify you about important changes or developments to the products/services. Where you have provided RHBIB with sensitive personal information (in particular, information consisting your physical/mental health for applications of insurance products/services), you hereby provide RHBIB with your express consent to process the same in the manner described in this Privacy Notice. You may exercise your options in respect of receiving marketing materials (including cross-selling, marketing and promotions as described above) at any time by visiting www.rhbinvest.com or contact customer.service@rhbgroup.com.

You understand that RHBIB may disclose your personal information (or sensitive personal information, if applicable) to other companies within the RHB Banking Group, service providers, merchants and strategic partners, vendors including debt collection agencies, professional advisers, industry/financial related associations, credit bureaus or credit reporting agencies and fraud prevention agencies, governmental agencies, other financial institutions and any of their respective agents, servants and/or such persons, whether located within or outside Malaysia for the Purpose, if applicable, subject at all times to any laws (including regulations, standards, guidelines and/or obligations) applicable to RHBIB. You further understand that you may request for correction (if your personal information is inaccurate, outdated, incomplete, etc), access to (a prescribed fee may be charged), or deletion (if you no longer have any existing products/services with RHB Banking Group) of your personal information or limit the processing thereof at any time hereafter by submitting such request via post, email or fax to the following address:

Manager
RHB Banking Group
Customer Contact Centre
Level 4, Crystal Plaza, No. 4, Jalan 51a/223, Seksyen 51a,
46100 Petaling Jaya Selangor, Malaysia
Telephone number: +603 9206 8118
Email: customer.service@rhbgroup.com

You acknowledge that RHB Banking Group may modify or update its Privacy Notice from time to time, a copy of which is available at www.rhbgroup.com and that you may channel any complaints or inquiries you may have in the manner indicated above.

[This paragraph is only applicable to RHB Investment Bank Berhad customer(s), if any]
You understand that RHBIB is regulated by Bursa Malaysia, and that your personal information may be disclosed to the relevant Bursa entity (which shall include Bursa Malaysia Berhad, Bursa Malaysia Securities Berhad, Bursa Malaysia Securities Clearing Sdn Bhd, Bursa Malaysia Depository Sdn Bhd, Bursa Malaysia Derivatives Clearing Berhad, or Bursa Malaysia Derivatives Berhad, etc) (collectively, "Bursa Malaysia") for legal, regulatory and administrative purposes, if applicable. Where your personal information is provided to Bursa Malaysia, you understand that Bursa Malaysia's personal data protection practices as described in Bursa's Personal Data Notice, (available at https://www.bursamalaysia.com/personal_data_notice) would apply.

[This paragraph is only applicable to individual guarantor(s), if any]
You understand that as a guarantor, RHBIB will process your personal information according to the Purpose described above and that you will have similar rights to access and correct your personal information as described above.

ACKNOWLEDGEMENT AND CONSENT

By providing your personal information and signature, you consent to RHBIB processing your personal information for any necessary disclosures and overseas transfers of your personal information to relevant third parties, for the Purpose, if applicable.

You agree to the disclosure and/or transfer of your personal information to relevant third parties as a result of any restructuring, sale or acquisition of any company within the RHBIB Banking Group, provided that the recipient uses your personal information for the Purpose, if applicable.

You also represent and warrant that you have sufficiently obtained the consent of third party individual(s) (e.g. family, spouse, related parties, supplementary cardholder and/or emergency contact persons, etc) whose personal information you have disclosed to RHBIB to allow RHBIB to process the same in relation to the Purpose, if applicable.

[This paragraph is only applicable to the authorized signatory(s)/contact person(s) of RHBIB's corporate customer(s), if any]
As the authorized signatory(s)/contact person(s) of RHBIB’s corporate customer, you understand that personal information of the directors, individual shareholders, employees, other authorised signatories, individual guarantors, individual security providers, suppliers/vendors and/or related parties etc, may be collected and processed by RHBIB for the purpose of the commercial transactions between the corporate customer and RHBIB. You represent and warrant that you are entitled to provide the said personal information to RHBIB and/or the appropriate consent have been obtained to allow RHBIB to process the said personal information for the said purpose.

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[This paragraph is only applicable to parent/legal guardian/next-of-kin/authorized representative of Junior Account holder(s), if any]
If you are providing consent as parent / legal guardian / next-of-kin / authorized representative of a junior applicant, you understand that the personal information of the junior applicant will be processed by RHBIB for the Purpose described above.