TERMS & CONDITIONS OF ACCESS
(Effective Date: [13th December 2025])

YOU HAVE CHOSEN TO ACTIVATE YOUR ACCESS TO MAYBANK RETAIL BROKERAGE ONLINE TRADING SERVICES (AS DEFINED BELOW). PLEASE TAKE A MOMENT TO READ THESE TERMS AND CONDITIONS OF ACCESS CAREFULLY. BY LOGGING IN WITH YOUR USERNAME AND PASSWORD, YOU ARE DEEMED TO HAVE READ, UNDERSTOOD, ACKNOWLEGE AND AGREED TO THESE TERMS AND CONDITIONS OF ACCESS. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS OF ACCESS, PLEASE IMMEDIATELY DISCONTINUE YOUR ACCESS OF THE MAYBANK RETAIL BROKERAGE ONLINE TRADING SERVICES, WHETHER VIA INTERNET, MOBILE AND/OR ANY OTHER ELECTRONIC MEDIUM AS MAY BE MADE AVAILABLE BY MAYBANK INVESTMENT BANK BERHAD ("MAYBANK IB"), A PARTICIPATING ORGANISATION OF BURSA MALAYSIA SECURITIES BERHAD, FROM TIME TO TIME.

THESE TERMS AND CONDITIONS OF ACCESS APPLY TO YOUR ACCESS AND/OR USE OF THE MAYBANK RETAIL BROKERAGE ONLINE TRADING SERVICES, WHETHER VIA INTERNET, MOBILE OR ANY OTHER ELECTRONIC MEDIUM. FROM TIME TO TIME, WE MAY NEED TO REVISE THESE TERMS AND CONDITIONS OF ACCESS, IN WHICH CASE WE WILL POST THE REVISED TERMS AND CONDITIONS ON THE POWERBROKING2U WEBSITE. IF YOU HAVE A MAYBANK2U ONLINE STOCKS ACCOUNT, YOU WILL ALSO BE SUBJECT TO THE TERMS AND CONDITIONS OF ACCESS FOR MAYBANK2U WEBSITE FOR YOUR ACCESS TO MAYBANK2U ONLINE BANKING SERVICES (AS DEFINED BELOW). IF YOU CHOOSE TO CONTINUE USING THE MAYBANK RETAIL BROKERAGE ONLINE TRADING SERVICES AFTER ANY REVISION TO THESE TERMS AND CONDITIONS OF ACCESS, YOU SHALL BE DEEMED TO HAVE ACCEPTED THE REVISED TERMS AND CONDITIONS OF ACCESS ACCORDINGLY. FOR THE AVOIDANCE OF DOUBT, THESE TERMS AND CONDITIONS OF ACCESS SHALL APPLY TO YOUR ACCESS TO POWERBROKING2U.COM AND THE USE OF THE MALAYSIA WEBSITE AND THE SERVICES PROVIDED BY MAYBANK IB IN MALAYSIA AND BY ACCESSING ANY PAGE OF THE MALAYSIA WEBSITE AND/OR USING THE SERVICES PROVIDED BY MAYBANK IB IN MALAYSIA, YOU AGREE TO BE BOUND BY THE SAME. IF YOU CHOOSE NOT TO ACCEPT THESE TERMS AND CONDITIONS OF ACCESS OR ANY REVISIONS MADE THERETO, PLEASE IMMEDIATELY DISCONTINUE YOUR ACCESS TO POWERBROKING2U AND/OR USE OF THE MAYBANK RETAIL BROKERAGE ONLINE TRADING SERVICES. FOR THE PURPOSES OF THESE TERMS AND CONDITIONS OF ACCESS, THE TERM "THE MAYBANK GROUP" REFERS TO COMPANIES WITHIN THE MAYBANK GROUP OF COMPANIES, WHICH ARE EXISTING NOW OR IN THE FUTURE, OWNING OR OWNED BY OR UNDER COMMON OWNERSHIP EITHER DIRECTLY OR INDIRECTLY OR CONTROLLING, CONTROLLED BY OR UNDER COMMON CONTROL WITH MALAYAN BANKING BERHAD. A COPY OF THE TERMS AND CONDITIONS FOR SECURITIES TRADING (CONVENTIONAL AND ISLAMIC) CAN BE ACCESSED AT WWW.POWERBROKING2U.COM.MY.

IF YOU ALSO HAVE AN M2U ONLINE STOCKS ACCOUNT, THESE TERMS AND CONDITIONS OF ACCESS SHALL BE READ IN CONJUNCTION WITH YOUR ACCOUNT TERMS, THE TERMS AND CONDITIONS OF MAYBANK2U ONLINE BANKING SERVICES AND OTHER APPLICABLE TERMS RELATING TO THE PRODUCTS AND SERVICES AS MADE AVAILABLE TO YOU BY THE MAYBANK GROUP.

DISCLAIMER

The materials and information made available via Powerbroking2u and M2U Online Stocks including but not limited to services, products, information, data, text, graphics, audio, video, links or other items, are provided on an "as is" and "as available" basis. References to material and information contained on Powerbroking2u and M2U Online Stocks may include such material and information provided by third parties. The Maybank Group does not make any express or implied warranties including but not limited to any warranties of title, non-infringement, merchantability, usefulness, operation, completeness, currentness, accuracy, satisfactory quality, reliability, fitness for a particular purpose in respect of Powerbroking2u and M2U Online Stocks and the material, information and/or functions therein. Further, the Maybank Group does not warrant that access to the whole or part(s) of Powerbroking2u and M2U Online Stocks, the materials, information and/or the functions contained therein will be provided uninterrupted or free from errors or that there will be no delays, failures, errors or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. Except as otherwise expressly stated in these Terms and Conditions for Access and the Account Terms (as defined below) and to the extent permitted under laws and regulations (which includes any guidelines, circulars or rules issued by relevant governing bodies), the Maybank Group expressly disclaims liability for errors and omissions in such materials, information and/or functions as well as delays, failure or error of access and/or transmission. Without limiting the above and/or the terms and conditions of the applicable agreements governing all the products and services of the Maybank Group, reasonable measures will nevertheless be taken by the Maybank Group to ensure the accuracy and validity of all information relating to transactions and products of the Maybank Group which originate exclusively from the Maybank Group. The materials, information and functions provided shall not under any circumstances be considered or construed as an offer or solicitation to sell, buy, give, take, issue, allot or transfer, or as the giving of any advice in respect of shares, stocks, bonds, notes, interests, unit trusts, mutual funds or other securities, investments, loans, advances, credits or deposits in any jurisdiction. You shall be responsible to evaluate the quality, adequacy, completeness, currentness and usefulness of all services, content, advice, opinions and other information obtained or accessible through Powerbroking2u or M2U Online Stocks. Further you should seek professional advice at all times and obtain independent verification of the materials and information provided herein prior to making any investment, business or commercial decision based on any such materials or information. The Maybank Group makes no representation that the materials, information, functions and/or services provided on Powerbroking2u and M2U Online Stocks are appropriate or available for use in jurisdictions other than Malaysia. The Maybank Retail Brokerage Online Trading Services may be made available on Powerbroking2u.com.my and in conjunction with such other websites owned, operated and/or maintained by the related corporations of Maybank IB ("Related Website"). Where the Maybank Retail Brokerage Online Trading Services are made available in conjunction with a Related Website, these terms and conditions and such other applicable terms and conditions relating to the same shall apply mutatis mutandis to the Related Website.

LINKS

Links from or to websites outside Powerbroking2u and M2U Online Stocks are meant for convenience only. Such linked websites are owned and operated by third parties and as such are not under the control of the Maybank Group. Therefore the Maybank Group shall not be responsible and makes no warranties in respect of the contents of those websites, the third parties named therein or their products and services. Furthermore, the links provided in Powerbroking2u shall not be considered an endorsement or verification or approval of such linked websites or the contents therein. Linking to any other site is at your own risk and it is advisable for you to read the privacy policy statements (if any) of any websites which are linked to Powerbroking2u and M2U Online Stocks. Copyright unless otherwise indicated, the copyright and its contents, including but not limited to the text, images, graphics, sound files, animation files, video files, and their arrangement, are the property of the Maybank Group, and are protected by applicable Malaysian and international copyright laws. No part or parts of it may be modified, copied, distributed, retransmitted, broadcast, displayed, performed, reproduced, published, licensed, transferred, sold or commercially dealt with in any manner without the express prior written consent of the Maybank Group. You also may not, without the Maybank Group's expressed prior written consent, insert a link to Powerbroking2u, M2U Online Stocks or on any other website, frame or "mirror" any material contained in Powerbroking2u on any other server. Any such unauthorised reproduction, retransmission or other copying or modification of any of the contents of Powerbroking2u and M2U Online Stocks may be in breach of statutory or common law rights which could be the subject of legal action. The Maybank Group disclaims all liability which may arise from any unauthorised reproduction or use of the contents of Powerbroking2u and M2U Online Stocks.

TRADEMARKS

All trademarks, service marks, and logos displayed on Powerbroking2u and M2U Online Stocks are the property of the Maybank Group and/or their respective third party proprietors as may be identified on Powerbroking2u and M2U Online Stocks. Unless the prior written consent of the Maybank Group or the relevant third party proprietor of any of the trademarks, service marks or logos appearing on Powerbroking2u and M2U Online Stocks has been obtained, no license or right is granted to any party accessing Powerbroking2u and M2U Online Stocks to use, download, reproduce, copy or modify such trademarks, services marks or logos. Similarly, unless the prior written consent of the Maybank Group or the relevant proprietor has been obtained, no such trademark, service mark or logo may be used as a link or to mark any link to Powerbroking2u, M2U Online Stocks or any other site.

EXCLUSIONS

Except as otherwise expressly stated in these Terms and Conditions and to the extent permitted under laws and regulations (which includes any guidelines, circulars or rules issued by relevant governing bodies), the Maybank Group shall in no event be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation any loss of profits, loss of business, loss of use, loss of goodwill, loss of savings, loss of opportunity, business interruption or other consequential, special, incidental, indirect, exemplary or punitive damages arising in connection with your access or use or the inability to access or use Powerbroking2u or M2U Online Stocks (or any third party link to or from Powerbroking2u or M2U Online Stocks), reliance on the information contained in Powerbroking2u, any technical, hardware or software failure of any kind, the interruption, error, omission, delay in operation, computer viruses, or otherwise.

LIABILITY AND INDEMNITY

You hereby irrevocably agree to be liable for and to indemnify and keep indemnified the Maybank Group and its directors, officers and employees from all liabilities, claims, losses and expenses, including any legal fees that may be incurred by the Maybank Group in connection with or arising from:

(1) your use or misuse of Powerbroking2u, M2U Online Stocks and the information, products and services provided herein;

(2) your breach of these Terms and Conditions of Access howsoever occasioned;

(3) any intellectual property right or proprietary right infringement claim made by a third party against the Maybank Group in connection with your use of Powerbroking2u or M2U Online Stocks; or

(4) your fraudulent acts.

MISCELLANEOUS

If any provisions in these Terms and Condition of Access are found to be illegal or prohibited, they shall be ineffective only as to the illegal or prohibited parts of such Terms and Conditions of Access. The remaining provisions shall not be affected. Any waiver or indulgence granted shall not prevent Maybank IB from enforcing the other parts of these Terms and Conditions of Access which are unaffected by such waiver or indulgence, or other rights or require Maybank IB to grant further indulgence. The rights and remedies provided by law are not excluded by these Terms and Conditions and Access. Any rights not expressly granted herein are reserved.

GOVERNING LAW AND JURISDICTION

These Terms and Conditions of Access are governed by and are to be construed in accordance with the laws of Malaysia. By accessing Powerbroking2u, M2U Online Stocks and/or using the information, products and/or services provided herein by the Maybank Group, you hereby consent to the exclusive jurisdiction of the Malaysian courts in Kuala Lumpur, Malaysia in all disputes arising out of or relating to your access and use of Powerbroking2u and M2U Online Stocks. The Maybank Group makes no representation that the materials, information, functions and/or services provided on Powerbroking2u are appropriate or available for use in jurisdictions other than Malaysia.



TERMS AND CONDITIONS FOR MAYBANK RETAIL BROKERAGE ONLINE TRADING SERVICES
(Effective Date: [13th December 2025])

Definitions

"Access Code" means your account number(s) and all passwords, identification, username, digital signature and/or other codes (as the case may be) issued to you by Maybank IB and/or its related companies or by any certification authority duly recognised by Maybank IB for the purpose of enabling your access of the Maybank Retail Brokerage Online Trading Services and the Account.

"Account" means your trading account, Islamic trading account, share margin account or any other accounts which you may have with Maybank IB (Powerbroking2u), Malayan Banking Berhad (M2U Online Stocks) or Maybank Islamic Berhad (Islamic stockbroking window services of Maybank IB) (whichever applicable) and which may be eligible for access via the Maybank Retail Brokerage Online Trading Services or any of its channel, as may be prescribed by Maybank IB and/or its related companies (whichever applicable) from time to time.

"Account Terms" means the terms and conditions of the Terms and Conditions For Securities Trading, the Terms and Conditions For Islamic Securities Trading and the Supplemental Terms and Conditions for Trading in Foreign Securities (as the case may be), the terms and conditions of the relevant Account(s) and/or third party account(s), which may be accessed through the Maybank Retail Brokerage Online Trading Services.

"Biometric Authentication" means the user identity verification process that involves a biological input or the scanning or analysis of some part of the body which includes but not limited to fingerprint scanning and/or facial recognition via Mobile Device(s).

"Exchange" means, in the case of Malaysian Securities, any securities exchange owned, operated and/or maintained by Bursa Malaysia Securities Berhad (and includes its successors in title), and in the case of foreign Securities, the relevant securities exchange on which your transactions of Securities are effected.

"Foreign Securities" means Securities that are listed on a securities exchange outside of Malaysia and are not traded on Bursa Malaysia Securities Berhad (and includes its successors in title).

"Force Majeure" means events or situations beyond the control of Maybank IB which include but is not limited to (a) earthquakes, floods, fire, plague, acts of God and other natural disasters; and (b) terrorism, riots, civil commotion or disturbances, war whether declared or not, strikes which lasts for three (3) months or more.

"Instructions" means instructions given by yourself in respect of your Account(s) or any other transaction using the Maybank Retail Brokerage Online Trading Services whether via the Internet, mobile or any other available electronic medium.

"Internet" means the global network of computers and telecommunications systems which facilitate communication.

"M2U Online Stocks" means Securities trading facilities via Maybank2u.com made available through your Maybankinvest account with Malayan Banking Berhad or Maybankinvest-i account with Maybank Islamic Berhad.

"Maybank2u Online Banking Services" means the banking services including M2U Online Stocks, made available to you online via the Internet, mobile or any other electronic medium which you may access upon the correct input of your Maybank2U Online Banking username and password or via such other access methods as Malayan Banking Berhad may prescribe from time to time.

"Maybank Retail Brokerage Online Trading Services" means the online services for trading in local and foreign Securities, made available to you online via the Internet, mobile or any other electronic medium which you may access from your Mobile Device(s) upon the correct input of your Access Code or via such other access methods as Maybank IB and/or its related companies may prescribe from time to time.

"Maybank Trade MY App" or "Application" means the software application to be downloaded and installed by you in your Mobile Device(s) for your specific access to the Maybank Retail Brokerage Online Trading Services to perform limited transactions such as login, execution of order, viewing of stock information, viewing your user portfolio, viewing your order status, access to research articles and news update or such other services as may be determined by Maybank IB at its absolute discretion as may be designated for use by Maybank IB from time to time.

"Mobile Device(s)" means the mobile phone or such other electronic or communication device which is used to access the Maybank Retail Brokerage Online Trading Services.

"Powerbroking2u" trading in Securities via Powerbroking2u.com.my made available through your trading account with Maybank IB.

"Securities" means (a) debentures, stocks or bonds issued or proposed to be issued by any government; (b) shares in or debentures of, a body corporate or an unincorporated body; or (c) units in a unit trust scheme or prescribed investments, and includes any right, option or interest in respect thereof; and/or (d) such securities as stipulated from time to time under the Capital Markets and Services Act 2007 (as may be amended from time to time).

1. Application to have Access to the Maybank Retail Brokerage Online Trading Services via Powerbroking2u

1.1 You may apply to use the Maybank Retail Brokerage Online Trading Services and to open an Account subject at all times to the bank's discretion to reject or accept your application and the following conditions:

1.1.1 you hereby agree to link your Account to the Maybank Retail Brokerage Online Trading Services and that any transactions carried out via the Maybank Retail Brokerage Online Trading Services shall for all intents and purposes be carried out under the Account.

1.1.2 you hereby agree that you shall abide by all applicable laws, by-laws, regulations, rules, orders, directives prescribed by regulators relating to the operation of the Account, the internal procedures of Maybank IB, these terms and conditions and to all matters herein including rules and regulations of such other exchange or market where the transactions are effected.

1.1.3 you hereby undertake to furnish Maybank IB all relevant information and all such additional particulars and documents as Maybank IB may require at any time and from time to time, for the purpose of your access to the Maybank Retail Brokerage Online Trading Services.

1.1.4 you acknowledge and agree that Maybank IB may release or disclose the information given by you or with respect to the usage of the Maybank Retail Brokerage Online Trading Services to the Maybank Group and to Maybank IB's professional advisors where this is required. Apart from this, Maybank IB will not release or disclose such information to any other party unless otherwise required to do so by all applicable law, any statutory or regulatory authority / body or by an order of court of any competent jurisdiction.

1.2 You agree that the use of the Maybank Retail Brokerage Online Trading Services by you, will constitute your acceptance of these terms and conditions as well as your agreement to the inherent risks in conducting any transaction over Maybank Retail Brokerage Online Trading Services.

2. Maybank Retail Brokerage Online Trading Services

2.1 Upon the successful registration and activation of the Maybank Retail Brokerage Online Trading Services, you will be able to access the Maybank Retail Brokerage Online Trading Services which Maybank IB may from time to time make available to you on Powerbroking2u or and M2U Online Stocks.

2.2 You hereby agree and undertake at all times:

2.2.1 to keep strictly confidential:

2.2.1.1 your Access Code; and

2.2.1.2 all information available to you through the use of the Maybank Retail Brokerage Online Trading Services.

2.2.2 not to disclose the Access Code to any party whatsoever;

2.2.3 immediately upon receipt of the advice slip issued for the Access Code to destroy the same;

2.2.4 to regularly change your password(s) and/or any other Access Code(s) that are permitted to be changed, and in any event not less than once every month;

2.2.5 to immediately notify Maybank IB if you suspect that the confidentiality of the Access Code has been compromised or if the Account has been accessed or used without your authorisation;

2.2.6 to forthwith notify Maybank IB of any failure to receive an appropriate response that an order initiated by you through the Maybank Retail Brokerage Online Trading Services has been received, executed, fulfilled and/or matched;

2.2.7 not at any time to copy, reproduce, disclose, distribute, re-transmit, disseminate, sell, publish, broadcast or exploit (whether for commercial benefit or otherwise) any of the information from your usage of the Maybank Retail Brokerage Online Trading Services, in whole or in part, in any manner whatsoever to any other person and not cause, suffer or permit to be done any of the foregoing;

2.2.8 not to copy any or all of the information from your usage of the Maybank Retail Brokerage Online Trading Services or allow any person to copy or have access to the same;

2.2.9 at your own cost and expenses acquire and maintain such hardware, Mobile Device(s), internet services and other equipment as shall be necessary to enable you to access and use the Maybank Retail Brokerage Online Trading Services;

2.2.10 upon suspension or termination of the Account, to forthwith cease the usage of the Maybank Retail Brokerage Online Trading Services and immediately return all the information in whatever form or media, including copies thereof or derivatives therefrom howsoever constituted in your possession, custody or control obtained by you pursuant to your usage of the Maybank Retail Brokerage Online Trading Services to Maybank IB and/or destroy or dispose such information in such manner as Maybank IB may direct;

2.2.11 to use the Maybank Retail Brokerage Online Trading Services strictly in accordance with these terms and conditions and shall procure that no person shall:

2.2.11.1 gain unauthorised access to or make unauthorised use of the Maybank Retail Brokerage Online Trading Services;

2.2.11.2 make any additions, modifications, adjustments or alterations to, or corrupt, any of the information or any services available on the Maybank Retail Brokerage Online Trading Services;

2.2.11.3 tamper with any part of the Maybank Retail Brokerage Online Trading Service;

2.2.11.4 use the Access Code and/or your Mobile Device(s) in a manner inconsistent with these terms and conditions; and

2.2.11.5 permit any equipment or software to be linked to or communicate in any manner or be used in connection with any other database, time-sharing or other system, computer bureau, data or telecommunication service or any other service or word-processing system or information distribution network whereby the information, material or data obtained from the Maybank Retail Brokerage Online Trading Services may be accessed, used, stored or re-distributed by or through such other equipment or software; and you shall be liable for and shall fully indemnify and hold Maybank IB harmless from and against any and all claims, losses, damages, liabilities, expenses, costs (including but not limited to solicitors fees on a full indemnity basis) and consequences whatsoever in respect of or in connection with or arising out of your breach or violation of any of the foregoing undertakings or any third party rights, including but not limited to violation of any proprietary or intellectual property rights. The obligation to indemnify Maybank IB shall survive the termination of the Account and/or the Maybank Retail Brokerage Online Trading Services.

2.3 You agree that Maybank IB has the right to invalidate or de-activate your Access Code or suspend or terminate your access to Maybank Retail Brokerage Online Trading Services for the breach or potential breach of any terms herein, or of any laws and/or regulations and/or to ensure or maintain the security of the Maybank Retail Brokerage Online Trading Services and its users where Maybank IB deems appropriate, and that you will not hold Maybank IB liable for any loss or damage which you may suffer as a result of such actions and/or decisions of Maybank IB.

3. Account Terms

3.1 These terms and conditions shall form part of and are to be read collectively with the Account Terms and other applicable terms relating to the products and services as made available to you by the Maybank Group.

3.2 In the event of any conflict between these terms and conditions with that of the Account Terms, the terms and conditions in the Account Terms shall prevail to the extent of such inconsistency.

4. Maybank Trade MY App (accessible by Powerbroking2u and M2U Online Stocks customers)

4.1 Upon the successful registration and activation of the Maybank Retail Brokerage Online Trading Services, in addition to the access of the same via the Internet, you will also be able to access the Maybank Retail Brokerage Online Trading Services on your Mobile Device(s) subject to:

4.1.1 the download and installation of the Maybank Trade MY App on your Mobile Device(s);

4.1.2 the keying in of your Maybank Retail Brokerage Online Trading Services Access Code; and

4.1.3 the registration of device as your Primary Device for Login authorisation.

4.2 The Maybank Retail Brokerage Online Trading Services shall only be available for Mobile Device(s) and data connections which meet the required specifications and configurations as may be specified by Maybank IB from time to time, and you agree to procure and maintain a Mobile Device and data connection which meet these requirements at your own expense.

4.3 You acknowledge that your download and use of the Application on your Mobile Device(s) shall be on a non-exclusive and non-transferable basis and is subject always to your agreement to the following additional conditions:

4.3.1 you shall not use the Application for any purpose other than to access your own Account via the Maybank Retail Brokerage Online Trading Services on your own Mobile Device(s);

4.3.2 you shall not download or install the Application into a Mobile Device which you do not own or have exclusive control;

4.3.3 you shall not permit or enable any person to access the Application, or leave your Mobile Device(s) unattended in such a manner as to enable a person (other than yourself) to access the Application;

4.3.4 you shall not reproduce, modify or reverse engineer the Application or permit another person to do so;

4.3.5 the Application is made available to you strictly on an "as is" basis, and to the extent as permitted under law and/or regulation, no warranty is made in relation to the Application, including any warranty in relation to its merchantability, fitness for purpose, satisfactory quality or compliance with description, and all warranties which may be implied by law or custom are hereby excluded. In addition, you agree that Maybank IB cannot ensure that the Application will be compatible or may be used in conjunction with any mobile device, and you agree that unless inconsistent with the other expressed provisions herein, you shall not hold Maybank IB liable for any such incompatibility or for any loss or damage to any mobile device which may be caused by the Application or the installation process;

4.3.6 you shall download the Application from the authorized Apple App Store, Google Play or other application stores that is approved by Maybank IB;

4.3.7 updates to the Application may be issued by Maybank IB from time to time via the Apple App Store, Google Play or other application stores. Depending on the update, you may not be able to use the Application until you have downloaded the latest version of the Application and accepted any new terms;

4.3.8 you shall not install or use the Application on a jail-broken or rooted device. Unauthorised modifications to any mobile devices' operating systems (jail-breaking or rooting) bypasses security features and can cause numerous issues to the hacked devices. Maybank IB strongly cautions against installing the Application in any hacked mobile devices. Maybank IB shall not be liable for any losses that is suffered or for any costs that you might incur due to damage or corrupted or failure of device, hardware or software that you use in connection with the Application.

4.4 Certain functions (such as uploading content to the Application) shall require access to information on your Mobile Device(s) to work. By using such function, you permit the Application to access your Mobile Device(s) and information.

4.5 Maybank IB may use cookies and similar technologies (herein referred to as "cookies"), to perform authentication when you use the Maybank Retail Brokerage Online Trading Services and to improve your experience on the Application. By using the Application, you accept the use of cookies by Maybank IB. Maybank IB may use these cookies to collect information about your use of the Application. This information helps Maybank IB to improve the Application's performance and to develop and tailor Maybank IB's products and services for you and other users.

4.6 IF YOU ALSO HAVE AN M2U ONLINE STOCKS ACCOUNT, THESE TERMS AND CONDITIONS SHALL BE READ IN CONJUNCTION WITH YOUR ACCOUNT TERMS, THE TERMS AND CONDITIONS OF MAYBANK2U ONLINE BANKING SERVICES AND OTHER APPLICABLE TERMS RELATING TO THE PRODUCTS AND SERVICES AS MADE AVAILABLE TO YOU BY THE MAYBANK GROUP.

4.7 Biometric Authentication

4.7.1 The following terms and conditions apply to the use of Biometric Authentication for the purposes of your access to the Maybank Retail Brokerage Online Trading Services via the Maybank Trade MY App.

4.7.2 Upon the successful registration and activation of Biometric Authentication, you will also be able to access the Maybank Trade MY App with the fingerprints registered in your Mobile Device(s) and your face enrolled with the Application to use the Maybank Retail Brokerage Online Trading Services.

4.7.3 In registering for Biometric Authentication, you expressly consent for Biometric Authentication to be applied whenever you access Maybank Retail Brokerage Online Trading Services via the Application on your Mobile Device(s).

4.7.4 You are advised NOT to register any third party's fingerprints on your Mobile Device(s) or any third party's face with the Application, as by such registration, the third party will be able to access your Application, to which Maybank IB shall not be held responsible whatsoever for such access, any losses and/or damages incurred by you as a result of such access authorized by you.

4.7.5 You acknowledge and agree that, for the purposes of Biometric Authentication, the Application will be accessing the fingerprints or facial recognition registered in your Mobile Device(s), and you hereby consent to Maybank IB accessing and using such information for the provision of Biometric Authentication.

4.8 Device Registration and Secure2Trade

By proceeding with the registration Secure2Trade on your primary Mobile Device, you acknowledge, understand, accept and agree to the following:

4.8.1 Device registration is required to enable secure access to your Maybank Trade account using Secure2Trade. It helps to verify your identity and prevent unauthorized access. Once you have activated the Secure2Trade, you are required to approve the login from the device registered to your account. This will ensure that only you can approve the login.

4.8.2 By registering your Mobile Device, you agree and consent to the collection and processing of limited device information for security and authentication purposes. This may include (but is not limited to):

- Device name
- Device model
- Operating system version
- Device identifier (e.g., device ID or UUID)

This information is used solely for verifying your Mobile Device identity and maintaining secure access to your account.

4.8.3 You may only register one (1) primary Mobile Device to your account at a time and may use two (2) other secondary devices to log in. All login approvals (both from website and app) will be routed through the registered primary Mobile Device. Only one (1) active login either through website or app is allowed at one time.

4.8.4 You can manage your mobile devices via Settings > Security > My Devices. Registered primary Mobile Device can be replaced by re-authenticating using your OTP and ID number. You may also remove other secondary devices which is not in use.

4.8.5 Security obligations

- You are responsible for ensuring that your registered device is secure, not rooted/jailbroken, and accessible only to yourself.
- Sharing or allowing others to access your registered device is strictly prohibited.

4.8.6 Repeated incorrect OTP or ID entry may result in the system requesting you to log out and try again.

4.8.7 You agree that, for the purpose of authorising login to Maybank Trade MY app, M2U Online Stocks and Powerbroking2u, such authorisation shall be carried out using Secure2Trade This Secure2Trade is separate and distinct from the Secure2u feature available in the MAE app. All login authorisations must be performed within the Maybank Trade MY app.

- If you are required to authorise login via the Secure Verification method, you shall click on the "Approve" or "Reject" button to authenticate the login made via M2U Online Stocks / Powerbroking2u web or mobile application, directly from your primary Mobile Device. Secure Verification is valid for 50 seconds only and if you fail to "Approve" or "Reject" the login within the said validity period, the Secure Verification would be deemed as invalid and Maybank IB will not proceed to process the Instruction given by you.

- If you are required to authorise login via the Secure TAC, you shall key-in a 6-digit TAC number generated on your primary Mobile Device. A new 6-digit TAC number will be generated every 30 seconds. If you fail to key in the 6-digit Secure TAC number within the said validity period, the Secure TAC would be deemed as invalid and Maybank IB will not proceed to process the Instruction given by you.

4.8.8 You understand and acknowledge that your registered primary Mobile Device will be automatically deactivated when your Maybank Retail Brokerage Online Trading Services is deactivated.

4.9 Instructions and Fees

4.9.1 Any Instructions or orders received by Maybank IB through the use of your Access Code on the Maybank Retail Brokerage Online Trading Services shall be deemed to have been given by you notwithstanding that it may have been given by a third party without your authority.

4.9.2 Any acknowledgement by Maybank IB of the receipt of Instructions or orders from you through the Maybank Retail Brokerage Online Trading Services shall be deemed conclusive as to the fact that such Instructions or orders were received by Maybank IB and that the contents of such Instructions or orders were in the same form and substance as they were received and such Instructions or orders may be relied and acted upon by Maybank IB without further reference to or verification from you.

4.9.3 You shall be solely responsible for ensuring the accuracy and completeness of your Instructions or orders. Any Instructions or orders transmitted through the Maybank Retail Brokerage Online Trading Services shall be irrevocable and upon dispatch by Maybank IB to you of a confirmation message such confirmation message shall be binding on you.

4.9.4 You agree that all Instructions transmitted by your Mobile Device(s) or otherwise issued by you, though in electronic form:

(a) are written documents, and you agree not to dispute or challenge the validity or enforceability of any Instruction on the grounds that it is not a written document and you hereby waive any such right you may have at law;

(b) are original documents and you agree not to challenge the admissibility of any Instruction on the grounds that it is made in electronic form.

4.10 You understand and accept that:

4.10.1 Maybank IB is not responsible for order-routing and Maybank IB cannot execute any order that it has not received;

4.10.2 your Instructions may not be executed immediately or according to time priority;

4.10.3 in the case of market orders you will receive the price at which your Instruction is executed on the Exchange, which may be substantially different from the price at which the Securities are traded when your Instruction is placed;

4.10.4 an order can be cancelled (i) if your request to cancel the Instruction is received before the Instruction is executed, or (ii) at the discretion of Maybank IB.

4.11 You hereby agree and undertake to:

(a) pay to Maybank IB such deposit, subscription fees, access fees, usage charges and other costs, charges and expenses as may be imposed by Maybank IB from time to time for the use of the Maybank Retail Brokerage Online Trading Services;

(b) pay such taxes, levies or charges whatsoever now or hereafter imposed by law or required to be paid and to promptly reimburse Maybank IB for any such payment made by Maybank IB on your behalf;

(c) maintain a minimum credit balance in the Account as may be imposed by Maybank IB from time to time for the use of the Maybank Retail Brokerage Online Trading Services;

(d) permit Maybank IB to debit the Account for all the aforesaid charges; and

(e) settle immediately all sums of moneys due on contra losses or other monies howsoever owing under the Account and authorise Maybank IB to utilise and set-off any contra profit/gain or proceeds from any sales or monies due to you towards payment or settlement of your liabilities. In this regard, Maybank IB shall be entitled (but not obliged) to make any set-off from the Account prior to actual payment by you of sums owing to Maybank IB.

4.12 You hereby authorise Maybank IB in its absolute discretion to carry out, among others, the selling-out or buying-in of Securities (including but not limited to sell or dispose whole or part of any Securities pledged by you, as collateral at any time without notice) and to utilise the proceeds thereof to set-off and discharge all or any of your liabilities and obligations due and owing to Maybank IB.

4.13 You hereby agree to examine all Maybank IB's alerts, statements and records of the Instructions, communications, operations or transactions made or performed, processed or effected through the Maybank Retail Brokerage Online Trading Services (as accessed and used via your Access Code) regularly and in a timely manner and you hereby undertake to notify Maybank IB forthwith and without delay of any errors, irregularities, discrepancies, claims or unauthorised items or transactions. You acknowledge that your failure or delay to provide such notification forthwith shall be deemed as your conclusive agreement and acceptance that all matters contained in the alerts, statements and records are true and accurate in all respects and shall be binding on you for all purposes whatsoever and conclusive evidence of the transaction and your liability to Maybank IB. You hereby agree that all such records are admissible in evidence and that you shall not challenge or dispute the admissibility, reliability, accuracy or the authenticity of the contents of such records merely on the basis that such records were incorporated and/or set out in electronic form or were produced by or are the output of a computer system, and hereby waive any of your rights (if any) to so object.

5. Research Reports

5.1 All opinions, information and recommendations on investments are not developed or endorsed by the Maybank Group, and they shall not be construed as amounting to offers, invitations or solicitation to buy or sell the investments concerned.

5.2 Maybank Group does not offer and/or recommend any advice on investments nor does it offer any investment or financial or financial planning advice.

5.3 You agree that all orders or transactions made by you through the Maybank Retail Brokerage Online Trading Services shall be subject to all applicable laws, the rules and regulations and standard practice instructions of Maybank IB, rules and regulations of the Exchange, rules of the Bursa Malaysia Depository Sdn Bhd and any other relevant regulations governing your transaction of Securities in force at any time.

5.4 You agree that information on trading in Securities provided under the Maybank Retail Brokerage Online Trading Services has been independently obtained from sources believed by Maybank IB to be reliable but its accuracy, completeness and currency is not guaranteed by Maybank IB. You are advised to seek advice from relevant consultants and professionals before acting upon any information made available or accessed via the Maybank Retail Brokerage Online Trading Services.

5.5 You hereby agree and acknowledge that Maybank IB gives no warranty or guarantee of any kind, expressed or implied regarding the accuracy or relevancy or completeness of the information furnished for trading in Securities provided under the Maybank Retail Brokerage Online Trading Services nor the accuracy of any transmitted order and/or instruction to cancel such order.

6. Limitation of Liabilities

6.1 You acknowledge that the Maybank Group make no warranty of any kind with respect to the Maybank Retail Brokerage Online Trading Services, whether express or implied, including but not limited to merchantability or fitness for a particular purpose. Except as otherwise expressly stated in these terms and conditions and to the extent permitted under laws and regulations (which includes any guidelines, circulars or rules issued by relevant governing bodies), Maybank IB and each entity within the Maybank Group shall not be liable to you for any loss, damage, expenses, liability, costs or claims (including any lost profits, lost savings or other consequential, special or indirect damages) arising out of or in connection with:

6.1.1 the loss or unauthorised use of your Access Code;

6.1.2 the unauthorised use of or access to the Maybank Retail Brokerage Online Trading Services;

6.1.3 any power failure, downtime, crash, computer-breakdown, breakdown of your Mobile Device(s), interruptions, omission, errors or delays occurring in the electronic transmission, wireless internet services interruptions, mobile phone internet services, modem connection, act of public enemy, war, insurgency riot, labour disputes, strike, malfunction of or defects, bugs or glitches, any act of omission of Maybank IB's support or solution partners or any other disturbances arising out of matters or through causes / circumstances beyond the control of Maybank IB with regards to the Maybank Retail Brokerage Online Trading Services, the Software or any operator, vendor, supplier or provider of any communications used by Maybank IB for the provision of the Maybank Retail Brokerage Online Trading Services;

6.1.4 any delay, fault, failure or loss of access to or unavailability of the Maybank Retail Brokerage Online Trading Services;

6.1.5 any errors in the transmission of your Instructions or orders through the Maybank Retail Brokerage Online Trading Services; and

6.1.6 any other inherent risks in using the Maybank Retail Brokerage Online Trading Services whether foreseeable or not.

7. Indemnity

7.1 You hereby unconditionally and irrevocably agree to indemnify Maybank IB on demand from and against any and all actions, suits, proceedings, claims, liabilities, demands, losses, charges, penalties, fees, fines, debts, interests, damages, expenses and/or costs (including all costs on a solicitor client basis) sustained, incurred or suffered by Maybank IB arising in any way out of or in connection with or incidental to or in respect of any matter or thing done or omitted in anyway on your part relating to these terms and conditions.

8. Intellectual Property Rights

8.1 You hereby acknowledge that all copyright, designs, logos, trade name, trademarks, service marks and all other intellectual property and proprietary rights in the Maybank Retail Brokerage Online Trading Services belongs to Maybank IB or, where applicable, its affiliates at all times.

8.2 You confirm that you do not own any intellectual property rights belonging to the Maybank Group and that nothing contained herein nor through the usage of the Maybank Retail Brokerage Online Trading Services shall confer any right, title or interest to the intellectual property in your favour and further agrees that you will not tamper with nor do anything that will infringe the Maybank Group's rights to the intellectual property and shall safeguard and protect the intellectual property belonging to Maybank Group at all times. In addition, your usage of the Maybank Retail Brokerage Online Trading Services does not grant you a license or right to use any third party trademark without the express written approval of the third party possessing rights to such trademark.

9. Suspension and Termination of Services

9.1 Notwithstanding anything herein to the contrary, Maybank IB may at any time, suspend or terminate your right of access to the Maybank Retail Brokerage Online Trading Services or any part thereof or of any medium it is made available under, for the breach or potential breach of any terms herein, laws and/or regulations and/or to ensure or maintain the security of the Maybank Retail Brokerage Online Trading Services and its users where Maybank IB deems appropriate.

9.2 Maybank IB will automatically terminate your right of access to the Maybank Retail Brokerage Online Trading Services or to any medium it is made available under (as applicable), should you cease to maintain any Account(s) with Maybank IB which can be accessed via the Maybank Retail Brokerage Online Trading Services or the applicable medium or should your access to such Account(s) be restricted by Maybank IB or any other party for the breach or potential breach of any terms herein, or of any laws and/or regulations and/or to ensure or maintain the security of the Maybank Retail Brokerage Online Trading Services and its users where Maybank IB deems appropriate.

9.3 You may terminate the Maybank Retail Brokerage Online Trading Services by giving prior notice to Maybank IB. The Maybank Retail Brokerage Online Trading Services will be cancelled within seven (7) days from the date of Maybank IB's receipt of the notice of termination and you agree that Maybank IB shall not be obliged to effect any of your Instructions received on any day falling after the receipt of your notice of termination.

9.4 Except in the instances as stated above, Maybank IB reserves the right to terminate the Maybank Retail Brokerage Online Trading Services provided Maybank IB gives you twenty one (21) days' prior written notice.

9.5 You acknowledge that termination will not affect your liability or obligations in respect of Instructions provided to and/or processed by Maybank IB on your behalf.

10. Force Majeure

10.1 Maybank IB shall not be liable to me or any third party for any inconvenience, injury, expense, liability, damages, loss of profits, earnings or goodwill if Maybank IB is unable to perform any of its obligations hereunder or to provide any of the services due to Force Majeure.

11. Severability and Waiver

11.1 If any provision in these terms and conditions are found to be illegal or prohibited, they shall be ineffective only as to the illegal or prohibited parts of such terms and conditions. The remaining terms and conditions shall not be affected.

11.2 Any waiver or indulgence granted shall not prevent Maybank IB from enforcing the other parts of these terms and conditions which are unaffected by such waiver or indulgence, or other rights or require the Bank to grant further indulgence. The rights and remedies provided by law are not excluded by these terms and conditions.

12. Variations

12.1 You acknowledge that Maybank IB reserves the right and discretion to add, modify, delete or vary any of these terms and conditions as it deems necessary to ensure the smooth and efficient provision of, and/or to improve, the Maybank Retail Brokerage Online Trading Services. If you continue to use the Application and/or the Maybank Retail Brokerage Online Trading Services after such notification, you shall be deemed to have agreed to and accepted the said additions, modifications, deletions and/or variations to these terms and conditions.

13. Service Availability

13.1 The Maybank Retail Brokerage Online Trading Services and its available channel(s) are intended to be available 7 days a week, 24 hours a day. You acknowledge however that there may be occasional downtime where Maybank IB carries out maintenance over its systems and equipment. Maybank IB will use reasonable efforts to inform you of any or all products and/or services under the Maybank Retail Brokerage Online Trading Services which are not available from time to time.

14. Assignment

14.1 You shall not assign any rights, title or interest in these terms and conditions or under the Maybank Retail Brokerage Online Trading Services to any party without the prior written consent of Maybank IB.

15. Law and Jurisdiction

15.1 These terms and conditions are governed by the laws of Malaysia and you hereby consent to submit to the exclusive jurisdiction of the courts of Malaysia in all disputes arising out of or relating to the use of the Maybank Retail Brokerage Online Trading Services.

16. Dispute and Enquiries

16.1 For Powerbroking2u: If you have any enquiries or require any assistance, please refer to our helpdesk at 1-300-22-3888 (for Malaysia) or +603-2082 6890 (if you are overseas) or e-mail us at equities.helpdesk@maybank-ib.com. In addition, you are advised to review our Privacy Policy, Security Statement and Client Charter on Powerbroking2u.com.my.

16.2 For M2U Online Stocks: If you have any enquiries or require any assistance, please refer to our helpdesk at 1-300- 88-6688 or +603-2082 6890 (if you are overseas). In addition, you are advised to review our Privacy Policy, Security Statement and Client Charter on Maybank2u.com.my.

   


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