Your cardholder contracts with City Bank contain arbitration provisions that also apply to the use of your payment card via the Digital Wallet Service. In order to avoid any doubt, any transaction you make with your payment card with a digital wallet is considered to be the same, as if you had personally presented your physical payment card to complete the transaction, and all fees and interest incurred will be applied in accordance with the terms of your cardholder contract with The City Bank. These terms and conditions of sale (“Agreement”) are a legal and mandatory agreement between you and Wavpay Systems Sdn Bhd (“WSSB”). Please read it carefully. 4.3 Acceptance: The distributor accepts the eWallet when it is presented by an end user as payment for all goods and services sold on all commercial sites up to the value of the funds in the eWallet.