INTAKES Jan May/June Sept Nov • Foundation • Foundation • Foundation • Selected Bachelor • Selected Bachelor • Diploma Degree/Diploma Degree/Diploma • Bachelor Degree programmes programmes Commencement Date: Commencement Date: Commencement Date: Commencement Date: 18/01/2021 17/05/2021 13/09/2021 01/11/2021 (Foundation) 17/06/2021 (Diploma & Bachelor Degree) PROGRAMMES OFFERED

CPSR CENTRE FOR POSTGRADUATE STUDIES AND RESEARCH MODE OF STUDY FULL TIME PART TIME DUAL AWARD CAMPUS DOCTOR OF PHILOSOPHY Doctor of Philosophy in Psychology research 3 years 4 years - KL (N/311/8/0104)(03/27)(MQA/PA13084) Doctor of Philosophy (Computer Science) research 3 years 4 years - KL (N/481/8/0788)(10/25)(MQA/PA10772) Doctor of Philosophy (Information Technology) research 3 years 4 years - KL (N/482/8/0169)(01/26)(MQA/PA11407) Doctor of Philosophy (Mathematical Sciences) research 3 years 4 years - KL (N/461/8/0029)(04/26)(MQA/PA10773) Doctor of Philosophy in Built Environment research 3 years 4 years - KL (N/582/8/0032)(02/26)(MQA/PA10786) Doctor of Philosophy (Life Sciences) research 3 years 4 years - KL (N/420/8/0025)(10/25)(MQA/PA10038) Doctor of Philosophy (Physical Science) research 3 years 4 years - KL (N/440/8/0051)(03/26)(MQA/PA10037) Doctor of Philosophy (Sports Science) research 3 years 4 years - KL (N/813/8/0021)(03/26)(MQA/PA10731) Doctor of Philosophy (Food Science) research 3 years 4 years - KL (N/541/8/0045)(08/27)(MQA/PA13794) Doctor of Philosophy in Business research 3 years 4 years - KL (N/340/8/0737)(09/27)(MQA/PA13941)

MASTER Master of Accounting and Finance coursework 1.5 years 3 years - KL (N/344/7/0513)(08/23)(MQA/PA9769) Master of Business Administration coursework 1.5 years 3 years UTA KL (R/340/7/0643)(12/25)(MQA/FA6626) Master of Corporate Governance coursework 1.5 years 3 years MAICSA KL (N/345/7/1069)(01/23)(MQA/FA9325) Master of Investment Management coursework 1.5 years 3 years - KL (N/343/7/0238)(12/22)(MQA/FA9324) Master of Information Technology research 2 years 3 years - KL (N/482/7/0156)(02/26)(MQA/PA11406) Master of Science research 2 years 3 years - KL (R/440/7/0027)(04/26)(MQA/FA8115) Master of Science (Food Science) research 2 years 3 years - KL (N/541/7/0036)(11/25)(MQA/PA10036) Master of Science (Life Science) research 2 years 3 years - KL (N/421/7/0059)(05/21)(MQA/FA8464) Master of Architecture coursework 2 years - - KL (N/581/7/0107)(12/25)(MQA/PA10785) Master of Computer Science research 2 years 3 years - KL (N/481/7/0809)(08/23)(MQA/PA10034) Master of Engineering Science research 2 years 3 years - KL (N/520/7/0111)(04/25)(MQA/PA9396) Master of Arts (Psychology) research 2 years 3 years - KL (N/311/7/0107)(07/25)(MQA/PA9467) Master of Science in Sport Science research 2 years 3 years - KL (N/813/7/0021)(04/26)(MQA/PA10035) Master of Science in Built Environment research 2 years 3 years - KL (N/582/7/0031)(03/26)(MQA/PA10770) Master of Science in Mathematical Sciences research 2 years 3 years - KL (N/461/7/0030)(04/26)(MQA/PA10771)

UTA - University of Texas at Arlington,USA MAICSA - The Malaysian Institute of Chartered Secretaries and Administrators KL - Main Campus FOAS FACULTY OF APPLIED SCIENCES DURATION CAMPUS BACHELOR DEGREE Bachelor of Science (Honours) in Analytical Chemistry 3 years KL (R/442/6/0004)(09/23)(MQA/FA3924) Bachelor of Science (Honours) in Applied Physics (Instrumentation) 3 years KL (R/545/6/0028)(10/23)(MQA/FA3922) Bachelor of Science (Honours) in Bioscience with Chemistry 3 years KL (R/421/6/0017)(10/23)(MQA/FA3921) Bachelor of Science (Honours) in Food Science 3 years KL (R/541/6/0019)(10/23)(MQA/FA3923) Bachelor of Science (Honours) in Sports and Exercise Science 3 years KL (R/813/6/0022)(10/23)(MQA/FA3920)

DIPLOMA Diploma in Aquaculture 2 years JH (R/624/4/0002)(04/26)(MQA/FA7567) Diploma in Food Science 2 years KL (R/541/4/0021)(06/24)(MQA/FA1070) Diploma in Science 2 years KL (R/421/4/0015)(08/23)(AA0106) Diploma in Sport and Exercise Science 2 years KL (R/813/4/0021)(08/23)(AA0116)

FOBE FACULTY OF BUILT ENVIRONMENT DURATION CAMPUS BACHELOR DEGREE Bachelor of Construction Management and Economics (Honours) 3 years KL (R2/526/6/0123)(09/23)(MQA/FA3927) Bachelor of Interior Architecture (Honours) 3 ½ years KL (N/214/6/0194)(08/22)(MQA/PA7666) Bachelor of Quantity Surveying (Honours) 4 years KL (R/526/6/0054)(10/25)(MQA/FA3881) Bachelor of Real Estate Management (Honours) 3 ½ years KL (R/341/6/0029)(12/25)(MQA/FA3919) Bachelor of Science in Architecture (Honours) 3 years KL (R/581/6/0043)(02/24)(MQA/FA3926)

DIPLOMA Diploma in Quantity Surveying 2 ½ years KL, PG (R/526/4/0038)(08/23)(MQA/FA0661) Diploma in Real Estate Management 2 years 4 months KL (R/341/4/0025)(08/23)(AA0050) Diploma in Building 2 years KL, PG (R/582/4/0036)(08/23)(AA0043)

KL - Kuala Lumpur Main Campus PG - Penang Branch Campus JH - Johor Branch Campus FOCS FACULTY OF COMPUTING AND INFORMATION TECHNOLOGY DURATION CAMPUS BACHELOR DEGREE Bachelor of Computer Science (Honours) in Interactive Software Technology 3 years KL (R/481/6/0374)(09/23)(MQA/FA3929) Bachelor of Computer Science (Honours) in Software Engineering 3 years KL, PG (R/481/6/0375)(09/23)(MQA/FA3930) Bachelor of Information Systems (Honours) in Enterprise Information Systems 3 years KL (R/482/6/0376)(09/23)(MQA/FA3931) Bachelor of Information Technology (Honours) in Information Security 3 years KL (R/482/6/0380)(09/23)(MQA/FA3934) Bachelor of Information Technology (Honours) in Internet Technology 3 years KL, PG (R/482/6/0377)(09/23)(MQA/FA3932) Bachelor of Information Technology (Honours) in Software Systems Development 3 years KL, PG, PK, JH, PH, SB (R/482/6/0379)(09/23)(MQA/FA3933) Bachelor of Science (Honours) in Management Mathematics with Computing 3 years KL (R/461/6/0004)(09/23)(MQA/FA3925) Bachelor of Computer Science (Honours) in Data Science 3 years KL, PG, JH (N/481/6/0808)(02/24)(MQA/PA10784)

DIPLOMA Diploma in Computer Science (Data Science) 2 years JH (R/481/4/0761)(07/26)(MQA/FA7636) Diploma in Computer Science 2 years KL, PG (R/481/4/0345)(08/23)(AA0109) Diploma in Information Technology 2 years KL, PG, PK, JH, PH, SB (R/482/4/0196)(08/23)(AA0111) Diploma in Information Systems 2 years KL, PG, PK (R/482/4/0195)(08/23)(AA0110) Diploma in Software Engineering 2 years SB (N/481/4/0779)(08/22)(MQA/FA7566)

FOET FACULTY OF ENGINEERING AND TECHNOLOGY DURATION CAMPUS BACHELOR DEGREE Bachelor of Electrical and Electronics Engineering with Honours 4 years KL (R/523/6/0158)(10/25)(MQA/FA3882) Bachelor of Mechanical Engineering with Honours 4 years KL (R/521/6/0063)(10/25)(MQA/FA3884) Bachelor of Mechatronics Engineering with Honours 4 years KL (R/523/6/0159)(10/25)(MQA/FA3885) Bachelor of Telecommunication Engineering with Honours 4 years KL (R/523/6/0160)(10/25)(MQA/FA3886)

DIPLOMA Diploma of Electronic Engineering 2 ½ years KL, PG (R/523/4/0138)(08/23)(AA0044) Diploma of Mechatronic Engineering 2 ½ years KL (R/523/4/0139)(08/23)(AA0047) Diploma of Mechanical Engineering 2 ½ years KL (R/521/4/0061)(08/23)(AA0045)

KL - Kuala Lumpur Main Campus PG - Penang Branch Campus PK - Perak Branch Campus JH - Johor Branch Campus PH - Pahang Branch SB - Sabah Branch FAFB FACULTY OF ACCOUNTANCY, FINANCE AND BUSINESS DURATION DUAL AWARD CAMPUS BACHELOR DEGREE Bachelor of Accounting (Honours) 4 years CU KL (R/344/6/0190)(10/25)(MQA/FA3888) Bachelor of Banking and Finance (Honours) 3 years CU KL (R/343/6/0340)(09/23)(MQA/FA3892) Bachelor of Business (Honours) Accounting and Finance 3 years CU PG, PK, JH, SB (R/345/6/0631)(08/24)(MQA/FA4685) Bachelor of Business (Honours) in Entrepreneurship 3 years CU KL (R/340/6/0343)(09/23)(MQA/FA3893) Bachelor of Business (Honours) in Human Resource Management 3 years CU KL (R/345/6/0426)(09/23)(MQA/FA3895) Bachelor of Business (Honours) in International Business 3 years CU KL (R/340/6/0342)(09/23)(MQA/FA3896) Bachelor of Business (Honours) in Logistics and Supply Chain Management 3 years CU KL (R/345/6/0427)(09/23)(MQA/FA3915) Bachelor of Business (Honours) in Marketing 3 years CU KL (R/342/6/0083)(09/23)(MQA/FA3916) Bachelor of Business (Honours) International Business Management 3 years CU PG (N/345/6/1054)(08/22)(MQA/FA7544) Bachelor of Business Administration (Honours) 3 years CU KL, PG, PK, JH, SB (R/340/6/0341)(09/23)(MQA/FA3889) Bachelor of Commerce (Honours) 3 years - KL (R/344/6/0205)(10/23)(MQA/FA3918) Bachelor of Corporate Administration (Honours) 3 years CU KL (R/345/6/0428)(09/23)(MQA/FA3890) Bachelor of Economics (Honours) 3 years CU KL (R/314/6/0016)(10/23)(MQA/FA3891) Bachelor of Finance (Honours) 3 years CU KL (N/343/6/0250)(12/22)(MQA/FA9323) Bachelor of Finance and Investment (Honours) 3 years CU KL (R/343/6/0339)(09/23)(MQA/FA3894) Bachelor of Retail Management (Honours) 3 years - KL (R/341/6/0026)(09/23)(MQA/FA3917)

DIPLOMA Diploma in Accounting 2 years KL, PG, PK, JH, PH, SB (R/344/4/0286)(08/23)(MQA/FA10789) Diploma in Banking and Finance 2 years KL, PG, SB (R/343/4/0255)(08/23)(AA0063) Diploma in Business Administration 2 years KL, PG, PK, JH, PH, SB (R/340/4/0287)(08/23)(MQA/FA10791) Diploma in Business Economics 2 years KL (R/340/4/0293)(08/23)(AA0064) Diploma in E-Marketing 2 years KL, PG, PK, PH (R/342/4/0161)(08/23)(AA0065) Diploma in Finance and Investment 2 years KL, PG (R/343/4/0279)(08/23)(AA0066) Diploma in Human Resource Management 2 years KL, PG (R/345/4/1100)(08/23)(AA0067) Diploma in International Business 2 years KL, PG (R/340/4/0294)(08/23)(AA0068) Diploma in Logistics and Supply Chain Management 2 years KL, PH (R/345/4/1161)(08/23)(AA0070) Diploma in Marketing 2 years KL, PK, SB (R/342/4/0162)(08/23)(AA0069) Diploma in Retail Management 2 years KL (R/341/4/0081)(08/23)(AA0253) Diploma in Entrepreneurship 2 years JH (R/345/4/0355)(05/23)(MQA/FA1251)

CU - Coventry University,UK

KL - Kuala Lumpur Main Campus PG - Penang Branch Campus PK - Perak Branch Campus JH - Johor Branch Campus PH - Pahang Branch SB - Sabah Branch FCCI FACULTY OF COMMUNICATION AND CREATIVE INDUSTRIES DURATION CAMPUS BACHELOR DEGREE Bachelor of Communication (Honours) in Advertising 3 years KL (R/321/6/0097)(09/23)(MQA/FA3878) Bachelor of Communication (Honours) in Broadcasting 3 years KL (R/321/6/0096)(09/23)(MQA/FA3939) Bachelor of Communication (Honours) in Journalism 3 years KL (R/321/6/0094)(09/23)(MQA/FA3937) Bachelor of Communication (Honours) in Media Studies 3 years KL (R/321/6/0095)(09/23)(MQA/FA3938) Bachelor of Communication Studies (Honours) 3 years PK (N/321/6/0252)(01/25)(MQA/PA12927) Bachelor of Public Relations (Honours) 3 years KL, PG (R/321/6/0101)(10/23)(MQA/FA3940) Bachelor of Design (Honours) in Fashion Design 3 years KL (R/214/6/0096)(09/23)(MQA/FA3879) Bachelor of Design (Honours) in Graphic Design 3 years KL (R/213/6/0146)(09/23)(MQA/FA3936) Bachelor of Creative Multimedia (Honours) 3 years KL (R/213/6/0147)(09/23)(MQA/FA3880)

DIPLOMA Diploma in Communication and Media Studies 2 years PK (N/321/4/0213)(04/22)(MQA/FA7542) Diploma in Fashion Design 2 years KL (R/214/4/0089)(08/23)(AA0089) Diploma in Graphic Design 2 years KL (R/213/4/0139)(08/23)(AA0084) Diploma in Advertising 2 years KL (R/342/4/0072)(08/23)(AA0082) Diploma in Broadcast Communication 2 years KL, PG (R/321/4/0087)(08/23)(AA0083) Diploma in Journalism 2 years KL (R/321/4/0088)(08/23)(AA0081) Diploma in Media Studies 2 years KL (R/321/4/0089)(08/23)(AA0085) Diploma in Public Relations 2 years KL, PG, PK (R/321/4/0073)(08/23)(MQA/FA10790) Diploma in Multimedia Design 2 years 4 months KL (R/213/4/0138)(08/23)(AA0090)

KL - Kuala Lumpur Main Campus PG - Penang Branch Campus PK - Perak Branch Campus FSSH FACULTY OF SOCIAL SCIENCE AND HUMANITIES DURATION DUAL AWARD CAMPUS BACHELOR DEGREE Bachelor of Arts (Honours) English with Drama 3 years - KL (N/224/6/0074)(03/22)(MQA/PA7196) Bachelor of Arts (Honours) English with Education 3 years - KL (N/224/6/0098)(01/24)(MQA/PA9585) Bachelor of Hospitality and Catering Management (Honours) 3 years IMI PK (R/811/6/0218)(08/24)(MQA/FA4628) Bachelor of Hospitality Management (Honours) 3 years IMI KL (R/811/6/0177)(10/23)(MQA/FA3898) Bachelor of Social Science (Honours) in Psychology 3 years - KL (R/311/6/0036)(10/23)(MQA/FA3935) Bachelor of Tourism Management (Honours) 3 years - KL (R/812/6/0059)(09/23)(MQA/FA3897) Bachelor of Tourism Management (Honours) Event Management 3 years - PK (N/812/6/0151)(02/22)(MQA/FA7511) Bachelor of Early Childhood Education (Honours) 3 years - KL (N/143/6/0160)(07/27)(MQA/PA13691)

DIPLOMA Diploma in Counselling 2 years KL (R/762/4/0010)(08/23)(AA0088) Diploma in Hotel Management 2 years KL, PK, JH, SB (R/811/4/0149)(08/23)(AA0086) Diploma in Culinary Arts 2 years 4 months PK (R/811/4/0276)(05/25)(MQA/FA5836) Diploma in Event Management 2 years PK (R/812/4/0202)(05/23)(MQA/FA1078) Diploma in Tourism Management 2 years KL, PK (R/811/4/0150)(08/23)(AA0087)

CPUS CENTRE FOR PRE-UNIVERSITY STUDIES DURATION CAMPUS FOUNDATION Foundation in Science 3 semesters KL (R/010/3/0185)(09/23)(MQA/FA3887) Foundation in Arts 3 semesters KL (R/010/3/0184)(09/23)(MQA/FA3899) Foundation in Accounting 3 semesters KL, PG (N/010/3/0490)(12/22)(MQA/FA9217) Foundation in Engineering 3 semesters KL, PG (N/520/3/0489)(12/22)(MQA/FA9216) Foundation in Business 3 semesters KL, PG (N/340/3/0780)(05/23)(MQA/FA9313) Foundation in Computing 3 semesters KL, PG (N/010/3/0515)(04/24)(MQA/FA9215)

IMI - International Management Institute, Switzerland

KL - Kuala Lumpur Main Campus PG - Penang Branch Campus PK - Perak Branch Campus JH - Johor Branch Campus SB - Sabah Branch GENERAL ENTRY REQUIREMENT BACHELOR DEGREE

STPM with minimum 2 Grade C in relevant subjects and SPM/O Level with minimum pass in English Language OR A Level with minimum 2 Grade D in relevant subjects and SPM/O Level with minimum pass in English Language OR UEC with minimum 5 Grade B in relevant subjects and minimum Grade C in English Language OR Relevant Foundation or Diploma accredited by MQA

DIPLOMA

SPM with minimum 3 Credits in relevant subjects and minimum pass in English Language OR O Level with minimum 3 Grade C in relevant subjects and minimum Grade E (Pass) in English Language OR UEC with minimum 3 Grade B in relevant subjects and minimum Grade C in English Language OR Relevant Certificate accredited by MQA

FOUNDATION

SPM with minimum 5 Credits in relevant subjects and minimum pass in English Language OR O Level with minimum 5 Grade C in relevant subjects and minimum Grade E (Pass) in English Language OR UEC with minimum 3 Grade B in relevant subjects and minimum Grade C in English Language OR Other equivalent qualifications accredited by MQA

SPM holders must have at least a pass in Bahasa Melayu and SPM holders from Year 2013 onwards must have at least a pass in Sejarah. For detailed minimum entry requirements for each programme, please refer to the respective Faculty/Centre Brochure.

GENERAL PROGRESSION PERBADANAN TABUNG ROUTE PENDIDIKAN TINGGI NASIONAL (PTPTN) LOAN POSTGRADUATE DEGREE PTPTN offers education loans to qualified applicants who are pursuing a full-time Diploma and Bachelor Degree programme at TAR UC.

BACHELOR (HONOURS) DEGREE LEVEL OF DUAL AWARD PARTNERS STUDY Coventry University, UK AMOUNT PER ANNUM International Management Institute, BACHELOR Switzerland RM 13,600 DEGREE (maximum)

on credit transfer up to Year 1 Year 1 Year 2 LEVEL OF STUDY STPM/A LEVEL/ FOUNDATION DIPLOMA UEC/EQUIVALENT AMOUNT PER ANNUM RM 6,800 DIPLOMA (maximum) SPM/O LEVEL/EQUIVALENT For further information about PTPTN, please visit www.ptptn.gov.my ACCOMODATION

• 24-hours security Kuala Lumpur Main Campus • Cafeterias ON-CAMPUS HOSTEL ACCOMMODATION • Air-conditioned study rooms • Free internet service in common areas • Convenience store & stationery shop There are 10 blocks of 5-storey hostel with 1000 rooms located within • Automated Teller Machine (ATM) the campus grounds. The twin-sharing rooms are equipped with beds, • Hot & cold water dispenser • Self-service launderette wardrobes, study tables and chairs. • Multi-purpose hall with stage facilities • Covered walkway to campus

• Gym Kuala Lumpur Main Campus • pool OFF-CAMPUS ACCOMMODATION - TERATAI RESIDENCY • Multi-purpose hall • Barbecue pit • Cafeterias Alternative student residence is available at Danau Kota, just 3 km • Study rooms from the Kuala Lumpur Main Campus. Teratai Residency is a 28-storey • Convenience store & stationery shop • Hot & cold water dispensers building comprising 448 units with choice of air-conditioning/non air- • Self-service launderette conditioning rooms in each unit. • Surau

• Canteen & convenience store Johor Branch Campus • 24 hours security service • CCTV surveillance system STUDENT RESIDENCE • Warden unit • Free Wi-Fi service • Self-service laundry There are 6 blocks of 5-storey hostel with a total of 690 units. All rooms • Discussion / study room are twin-sharing. Each unit has its own bathrooms and toilets. Each level • Hot & cold water dispenser • Hot & cold drinks vending machine will have hot/cold water dispenser. Every room is furnished with ceiling • Parking facilities fan, lights, curtains, wardrobe, single bed mattress, waste paper basket, • Covered walkway to campus • Free shuttle bus to town study table and chair for each resident. • Guest house

SCHOLARSHIP

TAR UC INTERNAL SCHOLARSHIPS TAR UC SPORTS SCHOLARSHIPS TAR UC Sports Scholarship is offered to potential TAR UC Merit Scholarship students who have a good track record in sports. VALUES OF THE AWARD: Bursary for State/National Players Awarding of Scholarships are categorised as below:

WAIVER OF TAR UC Sports Scholarships CRITERIA TUITION FEE

National athletes who have represented The STAR Education Fund in Sanctioned International Games or Championships including Southeast Asian Sin Chew Daily Education Fund Games, Games, ASEAN University 100% Games, and ASEAN School Games.

Nanyang Tertiary Education Fund State athletes who have represented state in National Sanctioned Games or Championships (Southeast , Universiade Games, TAR UC - TAA Scholarship ASEAN University Games, MSSM, SUKMA, 50% SUKIPT and SIPMA) and won at least a bronze TAR UC - TAA Scholarship (Top Glove) medal. State athletes who have represented state in TAR UC - JINBODHI Bursary National Sanctioned Games or Championships (Asian University Games, MSSM and SUKMA). 25%

Terms & Conditions apply For further information, please visit www.tarc.edu.my For further information, please visit www.tarc.edu.my SIBLING DISCOUNT FEE INSTALMENT MERIT SCHOLARSHIP RM1000 PLAN AVAILABLE Terms & Conditions apply Terms & Conditions apply Diploma/Foundation Programmes

ENTRY QUALIFICATION CRITERIA WAIVER OF TUITION FEE

SPM Minimum 8A+/A O Level Minimum 8As 100% SPM 8As* O Level 7As 50% SPM 7As* O Level 6As 25%

SPM 6As* 20% (Foundation programmes only) SPM 5As* 15% (Foundation programmes only) *SPM As: A+/A/A- Bachelor Degree Programmes

ENTRY QUALIFICATION CRITERIA WAIVER OF TUITION FEE

STPM / A Level 3As

Unified Examination Certificate (UEC) 8As

*TAR UC Diploma / *TAR UC Foundation / Matriculation CGPA ≥ 3.8500 South Australian Matriculation (SAM)/ 100% Western Australian Certificate of Education (WACE)/ ≥ ATAR 95 Higher School Certificate (HSC)

Canadian Pre-University (CPU) ≥ 95%**

STPM / A Level 2As

Unified Examination Certificate (UEC) 7As

*TAR UC Diploma / *TAR UC Foundation / Matriculation CGPA ≥ 3.7500

South Australian Matriculation (SAM)/ Western Australian Certificate of Education (WACE)/ ≥ ATAR 90 50% Higher School Certificate (HSC)

Canadian Pre-University (CPU) ≥ 90%**

Unified Examination Certificate (UEC) 6As 25% Unified Examination Certificate (UEC) 5As 20% Including A- *Must have obtained straight passes in all courses (including co-curriculum courses for diploma) **For all subjects with a minimum of 6 subjects Automatically offered upon admission. Terms & Conditions apply.

Postgraduate Programmes by Coursework Postgraduate Programmes DISCOUNT by Research CATEGORY (Tuition Fee)** Corporate Group Discount *Corporations with a minimum of 3 staff in a group • Scholarship (CGPA≥3.6000) Loyalty Discount 10% • Research Assistantship *All Alumni of TAR UC Terms & Conditions apply ** Excluding other fees & all external fees Terms & Conditions apply