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Sample translations submitted: 5
English to Malay: Cash-on-Call FAQ General field: Bus/Financial Detailed field: Finance (general)
Source text - English 1. What is AFFIN Cash-on-Call (CIP)?
CIP is a cash facility for AFFINBANK Credit Card where the Malaysian principal credit cardmembers can request for cash up to 90% from their credit card limit, or up to the available credit limit whichever is lower. The approved CIP fund will be disbursed to cardmember’s Current/Savings account (CASA) with AFFINBANK or other Malaysian registered banks that has Interbank GIRO facility. The CASA must be in cardmember’s sole name and no joint account or transfer to third party is allowed. Repayment will be in monthly instalments over a tenure selected by the cardmembers. Once CIP amount has been disbursed, a corresponding amount of the cardmember’s available credit limit in the AFFINBANK card account will be debited and thus reduced equivalent to the approved CIP amount. The credit limit will be progressively restored and made available for the cardmembers as each monthly instalment is paid and received by AFFINBANK. The approved CIP amount will form part of the total credit limit for all your credit card account(s), including your supplementary credit card account(s). It is NOT a separate or additional line of credit on top of your existing credit card limit.
2. What are the tenures and the interest rates chargeable?
With attractive one time upfront interest and flexible tenure as follows, AFFINBANK credit cardmembers can save finance charge by withdrawing cash from their credit card limit at a lower interest than the cash advance facility. Tenure (Month) Minimum CIP Amount One Time Upfront Interest Charge 6 RM1,000 6% 12 RM1,000 8% 18 RM2,000 12% 24 RM2,000 14%
3. What are the criteria and documents required to apply for AFFINBANK CIP?
CIP is applicable for AFFINBANK Malaysian principal credit cardmember only and it is subject to approval before CIP fund is disbursed. CIP amount (including the One-Time Upfront Interest Charge) shall not exceed 90% of the approved credit limit or up to available credit limit, whichever is lower. Minimum CIP amount is RM1,000 for six (6) and twelve (12) month tenure, and RM2,000 for eighteen (18) and twenty four (24) month tenure. Document required:- Copy of Current/Savings account statement or passbook (non-AFFINBANK accounts)
4. How much is the monthly instalment?
Monthly instalment amount is computed based on the approved CIP amount as in the following example: Scenario Tenure (month) Instalment amount CIP amount :RM3,000 Tenure :6 months One-time up-front interest:6% One time upfront Interest RM3,000 x 6% = RM180 Monthly Instalment RM3,000 / 6 months = RM500 1st month instalment amount RM680 Subsequent monthly instalment amount (from 2nd month up to 6th month) RM500 Note : A one-time upfront interest will be charged on the first month instalment.
5. Is there any penalty if the CIP amount was paid in full or credit card was cancelled before the tenure is completed?
No penalty will be imposed upon card cancellation or full settlement made before the tenure chosen is completed.
6. What happens if the CIP instalment amount is overdue or not paid in full?
Normal finance charge will be charged (according to your card type) on the overdue or outstanding amount not paid in full. You are advised to pay the full CIP instalment to avoid being charged the normal finance charge.
7. How can AFFINBANK credit cardmembers apply for CIP? Cardmembers can call AFFIN Cash-on-Call hotline at 03-7947 5407 or submit duly completed CIP application form through AFFINBANK branches with a copy of Current/Savings account statement or passbook (non-AFFINBANK accounts).
8. How does the cardmember know whether the CIP application has been approved?
Successful CIP application will be reflected in the cardmember’s credit card monthly statement. Cardmembers are advised to check their credit card monthly statement regularly.
Translation - Malay 1. Apakah AFFIN Cash-on-Call (CIP)?
CIP ialah kemudahan tunai untuk Kad Kredit AFFINBANK di mana ahli kad utama warganegara Malaysia boleh memohon tunai sehingga 90% daripada had kad kredit mereka, atau sebanyak had kredit yang masih ada tertakluk kepada mana-mana yang lebih rendah. Dana CIP yang diluluskan akan diagihkan ke akaun Simpanan/ Semasa ahli kad dengan AFFINBANK atau bank-bank lain yang berdaftar di Malaysia yang mempunyai kemudahan Interbank GIRO. Akaun Simpanan/ Semasa hendaklah atas nama ahli kad. Pindahan ke akaun bersama atau pihak ketiga tidak dibenarkan. Bayaran balik adalah dalam bentuk ansuran bulanan mengikut tempoh yang dipilih oleh ahli kad. Apabila amaun CIP diagihkan ke akaun Simpanan/ Semasa ahli kad, amaun yang sama daripada baki kredit yang ada dalam akaun kad AFFINBANK akan didebitkan dan berkurangan bersamaan dengan amaun CIP yang diluluskan. Had kredit akan bertambah secara beransur-ansur dan boleh digunakan oleh Ahli Kad apabila setiap ansuran bulanan dibayar dan diterima oleh AFFINBANK. Amaun CIP yang diluluskan akan menjadi sebahagian daripada had kredit bagi kesemua akaun(-akaun) kad kredit anda, termasuk akaun(-akaun) kad kredit tambahan anda dan BUKAN had kredit berasingan atau tambahan atas had kad kredit sedia ada anda.
2. Apakah tempoh bayaran balik dan kadar faedah yang dicaj?
Dengan kadar faedah dikenakan sekali dan tempoh bayaran balik yang fleksibel seperti berikut, ahli kad kredit AFFINBANK boleh menjimatkan caj kewangan dengan mengeluarkan tunai daripada had kad kredit mereka pada kadar faedah yang lebih rendah daripada kemudahan pendahuluan tunai.
Tempoh (Bulan) Jumlah CIP Minimum Caj Kewangan Dikenakan Sekali 6 RM1,000 6% 12 RM1,000 8% 18 RM2,000 12% 24 RM2,000 14%
3. Apakah syarat-syarat dan dokumen-dokumen yang diperlukan bagi memohon CIP AFFINBANK?
CIP adalah untuk ahli kad kredit utama AFFINBANK warganegara Malaysia sahaja. Jumlah CIP (termasuk Caj Kewangan Dikenakan Sekali) mestilah tidak melebihi 90% daripada had kredit yang diluluskan atau sehingga had kredit yang ada, yang mana lebih rendah. Jumlah minimum CIP ialah RM1,000 bagi tempoh enam (6) dan dua belas (12) bulan dan RM2,000 bagi tempoh lapan belas (18) dan dua puluh empat (24) bulan. Dokumen diperlukan:- Salinan penyata akaun Semasa/Simpanan atau buku bank (selain akaun AFFINBANK).
4. Berapakah bayaran balik yang dikenakan?
Amaun bayaran balik bulanan dikira berasaskan amaun CIP yang diluluskan seperti contoh berikut: Senario Tempoh (Bulan) Amaun Bayaran Bulanan Amaun CIP : RM3,000 Tempoh : 6 bulan Faedah dikenakan sekali : 6% Faedah dikenakan sekali RM3,000 x 6% = RM180 Bayaran bulanan RM3,000 / 6 months = RM500 Bayaran ansuran bagi bulan pertama RM680 Bayaran ansuran bulan yang berikutnya ( dari bulan yang ke-2 sehingga bulan yang ke-6) RM500 Nota : Faedah dikenakan sekali akan dicaj dalam bayaran bulan pertama.
5. Adakah denda akan dikenakan sekiranya CIP dibayar penuh atau kad kredit dibatalkan sebelum tempoh pelan tamat?
Tiada denda dikenakan apabila kad kredit dibatalkan atau sekiranya bayaran penuh dibuat sebelum tempoh bayaran yang dipilih tamat.
6. Apakah akan berlaku sekiranya amaun ansuran bulanan CIP tertunggak atau tidak dibayar penuh?
Caj kewangan biasa akan dikenakan (mengikut jenis kad kredit anda) ke atas amaun ansuran CIP yang tidak dibayar, tertunggak atau tidak dibayar sepenuhnya. Anda dinasihatkan untuk membayar amaun ansuran bulanan CIP sepenuhnya untuk mengelak dikenakan caj kewangan biasa.
7. Bagaimanakah ahli kad kredit AFFINBANK boleh momohon kemudahan CIP?
Ahli kad boleh menghubungi talian 03-7947 5407 atau menyerahkan borang permohonan CIP yang lengkap melalui cawangan AFFINBANK dengan salinan penyata akaun Semasa/Simpanan atau buku bank (untuk akaun selain AFFINBANK).
8. Bagaimana ahli kad kredit mengetahui sama ada pemohonon CIP diluluskan?
Permohonan CIP yang diluluskan akan dinyatakan di dalam penyata bulanan kad kredit ahli kad. Ahli kad dinasihatkan untuk memeriksa penyata bulanan kad kredit mereka dengan kerap .
English to Malay: Cash-on-Call Application Form (excerpt)
Source text - English I would like to apply for a Cash-On-Call Instalment Plan (CIP) through my AFFINBANK Credit Card. Important Note: Please enclose a photocopy of your bank savings account statement /passbook or current account statement which displays your name and account number for the transfer of fund from AFFINBANK Credit Card to the account. The account must be opened with a Malaysian registered bank and on your sole name and NOT with joint names.
Important Information 1. Minimum amount for Cash-On-Call Instalment Plan (CIP) is as per the above table. 2. Amount applied including the one-time up-front interest charge shall not exceed 90% of the approved credit limit or up to available credit limit whichever is lower. 3. CIP monthly instalment must be paid in full otherwise the normal finance charge will apply. 4. Amount applied must be in multiples of thousands and hundreds. 5. One-time up-front interest charge will be due and payable with the first monthly instalment of the CIP. 6. Credit limit will be reduced by the CIP amount once the CIP is approved and disbursed.
DECLARATION/ PERISYTIHARAN This application is based solely on my instructions and AFFINBANK may approve, vary or reject my request at its sole discretion. I acknowledge that the account details that I provide herewith are my own and not a joint account with other individual(s) and AFFINBANK will not be held responsible for any errors/mistakes in this regard. I agree to abide by the terms & conditions of AFFINBANK Cash-On-Call Instalment Plan and Cardmember Agreement (“AFFINBANK Credit Card Terms and Conditions” and / or “AFFINBANK World Card Terms and Conditions”). I have read and understood the Terms & Conditions CIP and I hereby undertake and agree to be bound by the Terms and Conditions.
Translation - Malay Saya ingin memohon Pelan Ansuran Tunai-Melalui-Telefon melalui Kad Kredit AFFINBANK saya. Nota penting: Sila lampirkan salinan penyata / buku akaun simpanan atau penyata akaun semasa bank anda yang memaparkan nama dan nombor akaun anda untuk urusan pemindahan dana dari Kad Kredit AFFINBANK ke akaun tersebut. Akaun tersebut hendaklah dibuka dengan bank yang berdaftar di Malaysia dan atas nama anda seorang dan BUKAN atas nama bersama.
Maklumat Penting: 1. Jumlah minima Pelan Ansuran Tunai-Melalui-Telefon (CIP) adalah seperti jadual di atas. 2. Jumlah permohonan termasuk caj dikenakan sekali hendaklah tidak melebihi 90% daripada had kredit yang diluluskan atau sehingga had kredit yang ada, mengikut mana-mana yang lebih rendah. 3. Bayaran ansuran CIP mesti dibayar penuh, jika tidak caj kewangan biasa akan dikenakan. 4. Jumlah yang dimohon mestilah dalam gandaan ribu dan ratus. 5. Faedah pendahuluan dikenakan mengikut tempoh yang dipilih perlu dibayar bersama bayaran ansuran pertama CIP. 6. Had kredit akan berkurang mengikut amaun CIP setelah CIP diluluskan dan dikeluarkan.
Permohonan ini ialah arahan daripada saya dan AFFINBANK berhak meluluskan membuat pindaan atau menolak permohonan saya mengikut budi bicaranya. Saya mengakui bahawa butiran akaun yang saya sediakan adalah milik saya seorang dan bukan akaun bersama individu lain dan AFFINBANK tidak bertanggungjawab terhadap sebarang kesilapan saya berkenaan perkara ini. Saya bersetuju untuk mematuhi terma dan syarat Pelan Ansuran Tunai-Melalui-Telefon AFFINBANK dan Perjanjian Ahli Kad AFFINBANK (“Perjanjian Ahli Kad Affin Bank ("Terma dan Syarat Kad Kredit AFFINBANK" dan/ /atau "Terma dan Syarat Kad World MasterCard AFFINBANK"). Saya telah membaca dan memahami Terma & Syarat CIP dan bersetuju untuk terikat kepada Terma & Syarat.
English to Malay: Cash-on-Call Terms & Conditions -excerpt (performed editing)
Source text - English AFFIN CASH-ON-CALL INSTALMENT PLAN TERMS AND CONDITIONS
1. AFFIN Cash-on-Call (“CIP”) is only available to: i. Credit Cardmembers of Affin Bank Bhd (Company No. 25046-T) (hereafter referred to as “Cardmember” and “the Bank” or “AFFINBANK” respectively; and ii. These Cardmembers must be Malaysian Principal Cardmembers (hereafter referred to as the “Cardmember”). Therefore, the expression ‘Cardmember’ appearing in this Agreement shall be taken to mean and be regarded to refer to a Malaysian Principal Cardmember of AFFINBANK unless the context otherwise provides.
2. All AFFINBANK’s Supplementary Cardmembers are not eligible to participate in the CIP plan.
3. The CIP plan is subject to the terms and conditions appearing in this Agreement and AFFINBANK’s Cardmember Agreement (“AFFINBANK Credit Card Terms and Conditions” and/or “AFFINBANK World Card Terms and Conditions” and such other Credit Card Terms and Conditions that may be added from time to time). The terms seen herein will be read with the above Terms and Conditions and all of those Terms and Conditions referred to above shall form an integral part of a CIP application or this Agreement when a CIP application is approved and for all intents and purpose the application process and on approval of the CIP application, both stages will be read with the Terms and Conditions described above and will be regarded as “the CIP Agreement”.
4. The CIP plan enables Cardmembers to withdraw cash from the Cardmembers’ credit card account (“Card Account”) and pay back in monthly instalments. It is not an additional or separate credit facility to the existing credit limit that has been granted by the Bank to its Cardmembers.
5. Cardmembers can apply for the CIP through the following means: i. By making a phone call to AFFIN Cash-on-Call hotline at 03-7947 5407; or ii. By submitting a complete CIP Application Form to AFFINBANK.
6. A Cardmember who applies for the CIP is presumed to have first read AFFINBANK’s Product Disclosure Sheet (which contains the key features of the CIP) or have heard the recording with regards the terms and conditions of the CIP Agreement during the sales or application stage process and will therefore be regarded to have understood and irrevocably accepted the terms and conditions of the CIP Agreement.
7. The CIP amount applied for must meet the minimum prescribed amount as indicated below
The applied amount must be in multiples of thousands and hundreds. The Bank reserves the right to round it up or down to the nearest thousand or hundred at its discretion.
8. When a Cardmember calls in to AFFIN Cash-on-Call hotline and gives his or her consent to apply for the CIP facility, it shall be regarded conclusive proof that the Cardmember had applied for participation of the CIP plan pursuant to the terms and conditions of the CIP Agreement.
9. The Bank reserves the right to approve a lower CIP amount in the event the sum applied for (including the one-time upfront interest charge) exceeds ninety percent (90%) the approved credit limit or exceeds the available credit limit, whichever is the lower.
10. A CIP application must be accompanied by a copy of the Cardmember’s Current/Savings account statement/passbook bearing the Cardmember’s sole name and account number. Joint account or third party account is not allowed.
11. The Bank will not be responsible for any loss incurred by the Cardmember in the event the Cardmember gives the wrong details of his or her Current/Savings account to which the approved CIP amount was credited.
12. Once the Cardmember’s application is approved, the approved CIP sum will be remitted by way of an interbank fund transfer i.e. Inter Bank Giro (“IBG”) to the Cardmember’s Current/Savings account with a Malaysian registered bank that has IBG facility or via a credit transfer into the Cardmember’s Current/Savings account with AFFINBANK.
13. The Bank reserves the right to reject a CIP application from the outset or may refuse or defer remittance of an approved CIP sum (despite an earlier approval) to the Cardmember’s Current/Savings account for any one or a combination of the reasons seen below (but which are not exhaustive and could be for other reasons depending on the circumstances at that material time):
i. if the Cardmember’s Card Account has insufficient available credit balance; or
ii. if the Cardmember has not serviced his or her Card Account in accordance with AFFINBANK’s Credit Card Terms and Conditions: or
iii. an event of default has occurred with the Cardmember’s Card Account; or
iv. if circumstances exist which is beyond the Bank’s control that renders the remittance of the approved CIP sum impossible and/or impractical and/or just not possible; or
v. if the remittance of the approved CIP sum is not possible due to security reason; or
vi. if the Bank’s banking or computer system is being maintained, upgraded or suffers glitches or matters occurs with its system preventing the remittance of the approved CIP sum ; or
vii. if the Cardmember has other accounts with the Bank which is or are regarded not to be in good standing; or
viii. if a situation or circumstance exist at the time of intended remittance the Bank views that it should not have approved the CIP application in the first instance.
14. AFFINBANK has the right to remit the approved CIP sum in such other manner other than by way of IBG as it sees fit, without the obligation to provide any reason for its decision to do so in such other manner.
15. Any delay in the remittance of the approved CIP sum and/or withholding of the remittance of the approved sum that caused or will or may cause loss (in all forms and not merely restricted to financial loss) will not render the Bank liable to the Cardmember in anyway whatsoever. The Cardmember accepts this risk when applying for the CIP facility.
16. Once the approved CIP sum is disbursed, the Cardmember’s available credit in his or her Card Account will be correspondingly reduced. The available credit under the Card Account will be progressively increased by the sum of each monthly instalment paid under the CIP plan.
17. It shall be the sole responsibility of the Cardmember to ensure that there is sufficient available credit under the Card Account for any purchases or utilization intended with the Card. The Bank shall not accept any responsibility for rejected transactions by reason of the deduction of the Cardmember’s available credit under his or her Card when the approved CIP sum is disbursed.
18. When the CIP application is approved, there will be a one-time up-front interest payment charged at the rate reflected in Clause 7 above or at any other rate the Bank may advise from time to time according to the tenure of the approved application. The sum charged will be debited to the Cardmember’s Card Account.
19. The one–time upfront interest charged will be due and payable with the first monthly instalment as appears in the monthly statement.
20. The Cardmember will be advised of the monthly sum or instalment payable over the tenure of the approved CIP application as reflected in the monthly statement.
21. The CIP monthly instalments will be included in the total outstanding balance and there is no separate account specifically for the servicing of the CIP monthly instalments. In the event the Cardmember opts to pay a minimum payment of five per cent (5%) or more of the total outstanding balance which is insufficient to cover the CIP monthly instalment, the normal finance charge set out in the Cardmember Agreement shall be chargeable on the outstanding CIP monthly instalment amount.
22. In the event the Cardmember or the Bank cancels the Card or if the Cardmember terminates the CIP plan before the last scheduled instalment, the unbilled CIP amount will become outstanding and due to AFFINBANK as per the statement issued by AFFINBANK and shall be binding and conclusive on the Cardmember and shall become payable. 23. In the event the Cardmember defaults in any of his/her obligations herein, the terms in the Cardmember Agreement shall apply.
24. All CIP transactions are not entitled for Affin Bonus.
25. In the event any new law and/or regulation and/or directive of the relevant authority over the Bank renders the CIP plan untenable, the Bank shall be entitled to recall the full or balance sum payable under the CIP Agreement under this plan by serving a twenty-one (21) days prior written notice to such effect on the Cardmember. On the expiry of the time period in the above notice, the Cardmember shall be immediately obliged to make full payment of the sum stated in such notice within the given dateline.
26. In the event the terms of the CIP Agreement contradict or cannot be reconciled with the Cardmember Agreement, then, the terms or that term of the CIP Agreement will prevail.
27. The Cardmember shall bear his or its own taxes of any kind anywhere, arising out of the approval of the CIP application. If any service or value-added tax is applicable on the provision of the Services, or the provision of any ancillary service that is necessary for the Services to be made available to the Cardmember under the CIP plan, then such taxes shall be borne by the Cardmember.
28. The CIP Agreement shall be governed by and construed in accordance with the laws of Malaysia in which the CIP sum was credited to the successful Cardmember’s Savings /Current account.
Translation - Malay TERMA DAN SYARAT PELAN ANSURAN TUNAI MELALUI PANGGILAN TELEFON (“CIP”) AFFINBANK
1. Pelan Ansuran Tunai Melalui Panggilan Telefon ("CIP") hanya ditawarkan kepada: i. Ahli Kad Kredit Affin Bank Berhad (No. Syarikat 25046-T) (selepas ini dirujuk sebagai "Ahli Kad" dan "Bank"); dan ii. Ahli Kad Kredit mestilah merupakan Ahli Kad Utama warganegara Malaysia (selepas ini dirujuk sebagai “Ahli Kad”). Oleh itu, perkataan Ahli Kad yang terdapat dalam Perjanjian ini bermaksud dan dianggap merujuk kepada Ahli Kad Utama AFFINBANK warganegara Malaysia melainkan jika konteksnya memperuntukkan sebaliknya.
2. Semua Ahli Kad Kredit Tambahan AFFINBANK tidak layak untuk menyertai skim CIP.
3. Skim CIP adalah tertakluk pada terma dan syarat yang dinyatakan dalam Perjanjian ini dan Perjanjian Ahli Kad AFFINBANK ("Terma dan Syarat Kad Kredit AFFINBANK" dan/atau "Terma dan Syarat Kad World MasterCard AFFINBANK" dan apa-apa terma dan syarat Kad Kredit lain yang mungkin ditambah dari semasa ke semasa). Terma yang terkandung di sini akan dibaca dengan Terma dan Syarat di atas dan kesemua Terma dan Syarat yang dirujuk di atas akan membentuk bahagian penting permohonan CIP atau Perjanjian ini apabila permohonan CIP diluluskan dan bagi semua maksud dan tujuan proses permohonan dan kelulusan permohonan CIP, kedua-dua peringkat akan dibaca dengan terma-terma dan syarat-syarat yang dinyatakan di atas dan akan dianggap sebagai "Perjanjian CIP".
4. Skim CIP membolehkan Ahli Kad untuk mengeluarkan wang tunai daripada akaun kad kredit Ahli Kad ("Akaun Kad"). Ia bukan satu kemudahan kredit tambahan atau berasingan kepada had kredit sedia ada yang diluluskan oleh pihak Bank kepada Ahli Kad.
5. Ahli Kad boleh memohon CIP melalui cara-cara berikut:
i. Dengan membuat panggilan telefon kepada talian AFFIN Cash-on-Call di 03-7947 5407; atau
ii. Dengan menghantar Borang Permohonan CIP yang lengkap kepada Bank.
6. Ahli Kad yang memohon CIP dianggap telah terlebih dahulu membaca Lembaran Pendedahan Produk AFFINBANK (yang mengandungi butiran penting mengenai CIP) atau telah mendengar rakaman berkaitan dengan terma-terma dan syarat Perjanjian CIP semasa proses jualan atau pada peringkat permohonan dan oleh itu dianggap telah memahami dan menerima secara muktamad terma-terma dan syarat-syarat Perjanjian CIP.
Jumlah CIP yang dimohon hendaklah memenuhi jumlah minimum yang ditetapkan sebagaimana yang dinyatakan di bawah:
Jumlah yang dimohon mestilah dalam gandaan ribu dan ratus. Pihak Bank berhak untuk membundarkannya kepada ribu atau ratus terdekat mengikut budi bicaranya.
8. Apabila Ahli Kad membuat panggilan ke talian AFFIN Cash-on-Call dan memberi kebenaran untuk memohon kemudahan CIP, ia hendaklah dianggap sebagai bukti muktamad bahawa Ahli Kad telah memohon untuk menyertai skim CIP ini menurut terma dan syarat Perjanjian CIP.
9. Pihak Bank berhak meluluskan jumlah CIP yang lebih rendah sekiranya jumlah yang dimohon melebihi had kredit yang sedia ada atau sembilan puluh peratus (90%) daripada had kredit Ahli Kad, mengikut mana-mana yang lebih rendah.
10. Permohonan CIP hendaklah disertakan dengan salinan penyata akaun Semasa/Simpanan Ahli Kad yang mempunyai nama Ahli Kad sahaja.
11. Pihak Bank tidak akan bertanggungjawab terhadap apa-apa kerugian yang ditanggung oleh Ahli Kad sekiranya Ahli Kad memberi butiran akaun Semasa/Simpanan yang salah yang mana jumlah CIP akan dikreditkan.
12. Sebaik sahaja permohonan Ahli Kad diluluskan, jumlah CIP yang diluluskan akan dihantarkan melalui pindahan dana antara bank iaitu Inter Bank Giro ("IBG") ke akaun Semasa/Simpanan Ahli Kad dengan bank yang berdaftar di Malaysia dan mempunyai kemudahan IBG atau melalui kredit ke dalam akaun Semasa/Simpanan kepunyaan Ahli Kad di AFFINBANK.
13. Pihak Bank berhak untuk menolak permohonan CIP sejak mula atau menolak atau menangguhkan penghantaran wang daripada jumlah CIP yang diluluskan (walaupun kelulusan telah diberikan sebelumnya) ke akaun Semasa/Simpanan Ahli Kad dengan salah satu atau bebrapa sebab-sebab di bawah (tetapi tidak terhad dan mungkin atas sebab-sebab lain bergantung pada keadaan pada masa yang berkenaan):
i. Kad Akaun Ahli kad tidak mempunyai baki kredit yang mencukupi; atau
ii. jika Ahli Kad tidak mengendalikan Akaun Kad beliau mengikut Terma dan Syarat Kad Kredit AFFINBANK; atau
iii. berlaku peristiwa pengingkaran terhadap Akaun Kad Ahli Kad; atau iv. jika wujud keadaan di luar kawalan pihak Bank yang menyebabkan penghantaran wang daripada jumlah CIP yang diluluskan mustahil dan/atau tidak praktikal dan/atau tidak mungkin; atau
v. jika penghantaran wang daripada jumlah CIP yang diluluskan tidak dapat dilakukan atas sebab keselamatan; atau
vi. jika sistem perbankan atau komputer pihak Bank sedang diselenggarakan, dinaik taraf atau mengalami gangguan atau berlaku perkara-perkara yang menyebabkan sistem tidak dapat melakukan penghantaran wang; atau
vii. jika Ahli Kad mempunyai akaun lain dengan pihak Bank yang dianggap tidak berada dalam keadaan yang baik; atau
viii. Jika suatu situasi atau keadaan wujud pada masa penghantaran wang ingin dilakukan yang mana pihak Bank berpandangan bahawa ia tidak sepatutnya meluluskan permohonan CIP pada mulanya.
14. Pihak Bank mempunyai hak untuk menghantar jumlah CIP yang diluluskan dalam apa-apa cara lain selain melalui IBG jika difikirkan perlu, tanpa kewajipan untuk memberikan apa-apa sebab bagi keputusannya berbuat demikian dalam apa-apa cara sekalipun.
15. Sebarang kelewatan penghantaran wang dan/atau penahanan penghantaran wang daripada jumlah CIP yang diluluskan menyebabkan atau akan menyebabkan kerugian (dalam segala bentuk dan bukan semata-mata terhad kepada kerugian kewangan) tidak akan menyebabkan pihak Bank bertanggungjawab kepada Ahli Kad dalam apa cara sekalipun. Ahli Kad bersedia menerima risiko ini ketika memohon kemudahan CIP.
16. Apabila jumlah CIP yang diluluskan telah diagihkan (ke akaun Simpanan/Semasa Ahli Kad), kredit yang ada di dalam akaun Ahli Kad akan turut berkurang. Kredit yang ada dalam Akaun Kad akan beransur-ansur meningkat mengikut jumlah setiap ansuran bulanan yang dibayar di bawah skim CIP.
17. Ahli Kad bertanggungjawab untuk memastikan terdapat kredit yang mencukupi dalam Akaun Kad untuk sebarang pembelian atau penggunaan yang diingini. Pihak Bank tidak akan bertanggungjawab atas transaksi yang ditolak oleh sebab potongan kredit Ahli Kad daripada Kad apabila jumlah CIP yang diluluskan telah diagihkan.
18. Apabila permohonan CIP diluluskan, caj kewangan pada kadar seperti di dalam Fasal 7 di atas akan dikenakan sekali atau pada suatu kadar lain yang pihak Bank mungkin maklumkan dari semasa ke semasa mengikut tempoh permohonan yang diluluskan. Jumlah yang dikenakan akan didebitkan kepada Akaun Kad Ahli Kad.
19. Caj kewangan yang dikenakan akan menjadi terhutang dan perlu dibayar dengan ansuran bulanan pertama yang tertera pada penyata bulanan.
20. Ahli Kad akan dimaklumkan mengenai jumlah bulanan atau ansuran yang harus dibayar sepanjang tempoh permohonan CIP yang diluluskan seperti yang tertera pada penyata bulanan.
21. Ansuran bulanan CIP akan dimasukkan ke dalam jumlah yang belum berbayar dan tiada akaun berasingan dikhususkan untuk membayar ansuran bulanan CIP. Sekiranya Ahli Kad memilih untuk membayar bayaran minimum lima peratus (5%) atau lebih daripada jumlah yang belum berbayar tetapi tidak mencukupi untuk menjelaskan ansuran bulanan CIP, caj kewangan biasa seperti yang ditetapkan di dalam Perjanjian Ahli Kad akan dikenakan ke atas jumlah ansuran bulanan CIP yang tidak dijelaskan.
22. Sekiranya Ahli Kad atau pihak Bank membatalkan Kad atau jika Ahli Kad menamatkan pelan CIP sebelum bayaran ansuran yang dijadualkan berakhir, amaun CIP yang belum dibilkan akan menjadi perlu dibayar kepada AFFINBANK seperti yang tertera pada penyata yang dikeluarkan oleh AFFINBANK dan akan menjadi mengikat dan muktamad ke atas Ahli Kad dan menjadi perlu dibayar.
23. Sekiranya Ahli Kad gagal memenuhi mana-mana kewajipannya yang terkandung di sini, terma di dalam Perjanjian Ahli Kad akan diguna pakai.
24. Semua transaksi CIP tidak layak untuk mendapat Affin Bonus.
25. Sekiranya terdapat mana-mana undang-undang dan/atau peraturan dan/atau arahan pihak berkuasa yang berkaitan ke atas pihak Bank mengakibatkan skim CIP tidak dapat diteruskan, pihak Bank berhak untuk menarik balik jumlah penuh atau baki yang harus dibayar di bawah Perjanjian CIP di bawah skim ini dengan memberikan notis bertulis dua puluh satu (21) hari kepada Ahli Kad sebelum ia berkuatkuasa. Apabila tempoh masa dalam notis tamat, Ahli Kad dengan serta-merta berkewajipan untuk membuat bayaran penuh jumlah wang seperti yang dinyatakan pada notis itu dalam tempoh tarikh akhir yang diberikan.
26. Sekiranya syarat-syarat Perjanjian CIP bercanggah atau tidak boleh diselaraskan dengan Perjanjian Ahli Kad, maka, terma-terma atau terma tersebut yang terkandung di dalam Perjanjian CIP akan diguna pakai.
27. Ahli Kad AFFINBANK adalah dianggap akan menanggung cukainya sendiri dalam apa jua bentuk dan di mana-mana sahaja, yang berbangkit dalam Terma dan Syarat ini. Jika mana-mana perkhidmatan atau cukai nilai tambah terpakai kepada penyediaan perkhidmatan, atau pemberian apa-apa perkhidmatan sokongan yang perlu bagi perkhidmatan yang akan disediakan kepada Pelanggan di bawah skim CIP, maka cukai itu hendaklah ditanggung oleh Ahli Kad.
28. Perjanjian CIP ini ditadbir oleh dan ditafsirkan mengikut undang-undang Malaysia di mana jumlah CIP telah berjaya dikreditkan ke akaun Simpanan/Semasa Ahli Kad.
English to Malay: Flash Drive General field: Other Detailed field: IT (Information Technology)
Source text - English If you fancy a small flash drive then you might want to consider SanDisk’s new Ultra Fit USB 3.0 flash drive. The new flash drive builds upon the success of the extremely popular Cruzer Fit USB flash drive, featuring a low-profile, compact USB solution to expand a device’s storage capacity. The ScanDisk Ultra Fit USB 3.0 offers an updated, modern design, as well as impressive increased performance to move media quickly between devices, making it an ideal companion for notebooks, tablets, TVs, consoles, car audio system, and more.
Translation - Malay Sekiranya anda sukakan pemacu kilat bersaiz kecil, anda mungkin ingin memiliki pemacu kilat San Disk Ultra Fit USB 3.0 baharu. Pemacu kilat ini dicipta berikutan kejayaan pemacu kilat Cruzer Fit USB yang sangat popular dan menampilkan penyelesaian USB padat yang kurang dikenali untuk mengembangkan kapasiti storan peranti. Pemacu kilat San Disk Ultra Fit USB 3.0 tampil dengan reka bentuk terkini dan moden, dan juga prestasi hebat untuk memindahkan media di antara peranti dengan pantas dan menjadikannya padanan yang sesuai untuk komputer buku, tablet, konsol permainan, sistem audio kenderaan, dan banyak lagi.
English to Malay: Nasi Lemak General field: Other Detailed field: General / Conversation / Greetings / Letters
Source text - English Nasi lemak needs no introduction. It comes close to being Malaysia’s national dish. A collective favourite, it’s as common as the ‘lahs’ that pepper our speech. With its fluffy fragrant coconut rice, crispy fried anchovies and crunchy nuts, you can have it anywhere, at any time. It’s also a versatile dish with sambal that can range from sweet to savoury at all levels of spiciness. You can even have it with side dishes, the most popular of which is the ayam goreng berempah. From dirt cheap at roadside stalls to a more premium plate in restaurants, we hunted down 12 must-go places to have the best nasi lemaks in town!
Translation - Malay Nasi lemak tak asing lagi bagi rakyat Malaysia. Ia hampir menjadi hidangan kebangsaan kita. Nasi lemak menjadi makanan kegemaran ramai dan biasa dimakan, sama seperti perkataan lah yang sering terselit dalam percakapan kita. Nasi lemak boleh dinikmati pada bila-bila masa dan di mana-mana saja. Hidangan nasi yang wangi dan lemak bersantan ini dimakan dengan sambal pelbagai rasa, dari manis hingga ke pedas. Ia enak dimakan bersama ikan bilis goreng garing, kacang goreng rangup, telur rebus, dan hirisan timun. Anda boleh nikmati nasi lemak dengan ayam goreng berempah iaitu lauk tambahan paling terkenal atau dengan lauk-pauk lain. Kami memburu 12 tempat makan wajib dikunjungi yang menghidangkan nasi lemak paling enak, dari gerai murah hingga ke restoran mewah.
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Translation education
Other - Malaysian Institute of Translation & Books
Experience
Years of experience: 7. Registered at ProZ.com: Sep 2017.
I
am a full-time professional English-Malay translator since June 2017. I
obtained a certificate in translation from Malaysia Institute of Translation
& Books (ITBM) in April 2017 and I have been accepted into the
Malaysian Translators Association as a lifetime member.
I
graduated with a bachelor's degree in Information Technology from National
University of Malaysia (Universiti Kebangsaan Malaysia) in 2000. I worked in
Affin Bank Berhad from November 2000 to June 2017 in the areas of quality
assurance, vendor management, project management, mortgage operations, retail
sales, card marketing and card product development.
My translation projects
covered well-known companies and brands, news agencies, as well as government
and government-related agencies. In terms of materials, I have translated and
proofed/edited banking sales and marketing documents, terms and conditions,
FAQs, user interface, state enactment, privacy policy, training deck,
self-service kiosk, audit report, press releases, codes of conduct,
surveys/questionnaires, bank web pages and marketing messages, articles,
theses, marketing emails/write-ups, and e-learning portals.
Keywords: 17 years of experience in a Malaysian bank in the areas of quality assurance, vendor management, contract management, mortgage operations, sales, marketing and card products development.
I have written numerous documents in English and Malay i.e. terms & conditions, FAQ, training deck, product disclosure sheet, sales script. See more.17 years of experience in a Malaysian bank in the areas of quality assurance, vendor management, contract management, mortgage operations, sales, marketing and card products development.
I have written numerous documents in English and Malay i.e. terms & conditions, FAQ, training deck, product disclosure sheet, sales script, management committee paper, planning and technology steering committee paper, board paper, product program paper, user requirement, standard operating procedure, manual, and new product submission to Bank Negara Malaysia as well as reviewed many other documents such as project charter, functional specification, vendor visit report, IT sourcing report, legal agreement, etc.
Open to all kind of texts for translation; general, finance, banking, legal/ law, competition law, social science, information technology, etc.. See less.
Expertise