Commencement:

From the date of activation of the Subscriber’s account by the Credit Bureau Malaysia Sdn Bhd (“Credit Bureau”) or date of activation of the relevant
Subscription Package by the Credit Bureau (“Subscription”).

Products and Services:

The full list of products and services of the Credit Bureau is available upon request. The applicable prices are as published on the Credit Bureau’s
platform at the time of use, subject to any special prices under the Subscriber’s selected Subscription Package or agreed between the Subscriber
and the Credit Bureau. All prices may be revised by the Credit Bureau from time to time.

Free Trial Package:

The Subscriber shall be entitled to a free trial period of one (1) month commencing from the date of account activation (“Free Trial Period”), subject
that it is the Subscriber first Subscription or Subscription Package with the Credit Bureau. During the Free Trial Period, the Subscriber shall have
access only to the following complimentary products and services:

• (a) Ten (10) Regular Reports (encompassing CBM database data, litigation data and trade reference data) generated by the Credit Bureau,
  subject to changes from the Credit Bureau from time to time; and
• (b) Three hundred (300) monitoring checks under the Standard Credit Monitoring Service (monitoring of CBM database data, litigation data
  and trade reference data).

For clarity, all other products and services of the Credit Bureau are excluded from the Free Trial Package and may only be accessed by the Subscriber
upon subscribing to a paid Subscription Package. The Subscriber may cancel at any time during the Free Trial Period without incurring any charges
in respect of the complimentary items. Any chargeable products or services utilised by the Subscriber during the Free Trial Period shall remain
payable in full notwithstanding such cancellation.

Continuation and Renewal of Subscription:

Subscription during/after or without Free Trial Package
During or upon expiry of the Free Trial Package, or for the continuation of Subscription, or if opting to subscribe directly without a Free Trial Package,
the Subscriber may subscribe to a preferred CBM CreditPro™ Subscription Package (Basic / Standard / Premium) by completing and submitting
the Subscription Package Form as set out in Appendix 2, and making payment of the applicable Subscription Amount. The Subscription Package
shall commence upon activation of the selected package by the Credit Bureau. Upon such commencement, any Free Trial Package entitlements
shall cease immediately, and the products or services of the selected Subscription Package shall apply for the applicable Subscription Period.
The Subscription Period for the selected Subscription Package shall be six (6) months. Subject to it being the Subscriber’s first Subscription or
Subscription Package with the Credit Bureau, the Subscriber shall be entitled to one (1) additional month of access to the products and services
within the selected Subscription Package, during which the following shall apply:

• (a) The products and services within the selected Subscription Package, as specified in the Subscription Package Form; and
• (b) Any other products or services not included in the selected Subscription Package shall be chargeable on a postpaid basis in accordance
  with this Agreement.

Renewal of Subscription
Following the expiry of any Subscription Period, the Subscriber may renew the Subscription by selecting a Subscription Package made available by
the Credit Bureau from time to time and paying the applicable Subscription Amount in such manner and form as may be prescribed or updated by
the Credit Bureau. Renewal shall be subject to:

• (a) Subscription to the relevant Subscription Package; and
• (b) Payment of the applicable Subscription Amount in the manner specified by the Credit Bureau.

Products, Services and Subscription Package

• (a) All prices are subject to 8% SST and any applicable tax.
• (b) One (1) additional complimentary month in the seventh (7th) month of the Subscription shall only be applicable during the first paid
  Subscription, subject to it being the Subscriber’s first Subscription or Subscription Package with the Credit Bureau. Upon expiry of the first
  paid Subscription, all subsequent renewals shall be based on the standard six (6) month Subscription Period at the prevailing Subscription
  Amount, unless otherwise revised or agreed by the Credit Bureau.
• (c) Subscription Amount for CBM CreditPro™ Standard and Premium Subscription Packages is waivable subject to applicable eligibility criteria
  and any additional requirements as may be prescribed by the Credit Bureau from time to time.
• (d) Products and services included under each Subscription Package are limited to those specified for the package, including the Regular
  Reports (encompassing CBM database data, litigation data and trade reference data) and Standard Credit Monitoring Services (monitoring
  of CBM database data, litigation data and trade reference data). Any usage exceeding the limits included in the Subscription Package, or
  any access of reports or services not included in the Subscription Package will incur additional charges, billed separately according to the
  Credit Bureau’s prevailing fees.
• (e) The notification services consist of one or more of the following, depending on the Subscription Package selected by the Subscriber: (i)
  one (1) SMS alert, limited to a maximum of one thousand (1,000) SMS alert per Subscription Package; (ii) one (1) email alert; (iii) one (1)
  successful telephone call, with up to three (3) attempts made to achieve such success; and (iv) one (1) formal notification letter issued
  on the letterhead of the Credit Bureau’s appointed law firm (“Letter”), limited to a maximum of twelve (12) Letters per Subscription Package.
  Each notification service is limited to one (1) instance per monitored customer per credit event. For the avoidance of doubt, the Letter is
  not a substitute of the letter of demand officially issued by a creditor to initiate legal proceedings nor is it a letter of demand, notice of
  default, or any statutory or pre-action notice under applicable law, and shall not be relied upon, produced, or used by the Subscriber as a
  basis to commence, support, or maintain any claim, proceeding, or enforcement action in court, arbitration, or otherwise. The Subscriber
  acknowledges that the sole purpose of the Letter is to serve as a formal communication of the relevant credit event to the monitored
  customer, and not to create or evidence any cause of action.
• (f) The Credit Bureau reserves the right to vary, modify or cease any of its products, services or Subscription Package and its terms and
  conditions at any time at its sole discretion.

Subscription Agreement

The Subscription, access to, and use of the Credit Bureau’s products, services or Subscription Packages, including without limitation the Free Trial
Package, any selected Subscription Package such as Basic, Standard, and Premium, any subsequent renewal, as well as any complimentary, or trial
access shall be governed by the terms and conditions set out herein, together with all Subscription Forms and the Subscription Agreement (available
on the Credit Bureau’s platforms and may be updated from time to time at the Credit Bureau’s sole discretion). Reference to “this Agreement” shall
be construed as a reference to include all Subscription Forms and the Subscription Agreement, together with any other documents appended to,
referring to, or agreed in writing by the Subscriber and the Credit Bureau in relation to the products, services or Subscription Packages. By
subscribing to, renewing, accessing, using, or purchasing any products, services or Subscription Packages, or by engaging with the Credit Bureau
in relation thereto following any updates to the Subscription Agreement, the Subscriber shall be deemed to have accepted such terms (including
any updates) and agrees to be bound thereby.