RELOADING THE CARD

Upon exhaustion of the Funds loaded on the Card, Cardholder can reload Funds onto the Card from any Agent or I&M Bank branch, subject to the compliance of all applicable laws, rules and regulations in force from time to time.

In event the Cardholder wishes to reload the Card, I&M Bank reserves the right to:

(1) limit the amount of Funds that can be reloaded onto the Card;

(2) limit the number of times the funds can be reloaded onto the Funds;

(3) Decline a reload transaction, at its sole discretion.

For the purpose of reloading the Card, Cardholder shall be required to complete the prescribed form and provide certain information pertaining to the Cardholder/the Card, as may be required by I&M Bank.

The Funds shall be reloaded in same currency in which the Card was originally issued. Amount of reload shall be in

strict accordance to the limits specified by the applicable laws, rules and regulations in force from time to time.

Any residual balance in expired cards will be forfeited if unclaimed after 2 months of expiry.