PERSONAL FINANCING-i FOR GOVERNMENT SERVANT APPLICATION FORM /BORANG PERMOHONAN PEMBIAYAAN PERIBADI-i UNTUK SEKTOR AWAM

FACILITY DETAILS / BUTIRAN KEMUDAHAN

Personal Financing Amount Requested RM Amaun Pembiayaan Peribadi yang dikehendakiPayment Period (months)Tempoh Bayaran (bulan) _________________ Months / BulanPurpose of FinancingTujuan Pembiayaan ____________________________________

PERSONAL DETAILS / BUTIRAN PERIBADI

**RESIDENCE DETAILS / BUTIRAN KEDIAMAN

EMPLOYMENT DETAILS / BUTIRAN PEKERJAAN

MyKad No. / No. MyKad

Old IC / KP Lama

Mr / Encik Mrs / Puan Ms / Cik

Others (Please Specify) Lain-lain (Sila Nyatakan) __________________

Name as per MyKad / Nama seperti MyKad____________________________________________________________________

Sex / Jantina Male / Lelaki Female / Perempuan

Date of Birth /Tarikh Lahir

dd / hh mm / bb yy / tt

Nationality / Warganegara _______________________________

Residential Address / Alamat Kediaman ______________________________________________________________________________________________________________________________

Name of Department / Nama Jabatan ______________________Address / Alamat ____________________________________________________________________________________________________________________________________________________

Years of Service / Tempoh BerkhidmatPosition /

Jawatan

___________________________Annual Income / Pendapatan Tahunan ______________________Other Income / Pendapatan Lain ___________________________Status of Employment / Status Pekerjaan_____________________

Permanent Address (If different from residential address) /Alamat Tetap (Jika berlainan daripada alamat kediaman)_______________________________________________________________________________________________________________________________________________________________

Postcode / Poskod

Residence is / KediamanOwned /Milik Sendiri

Years there / Tempoh Menetap __________________

Marital Status / Taraf Perkahwinan

SingleBujang

MarriedKahwin

DivorcedJanda/Duda

WidowedBalu/Duda

No. of Dependents / Bilangan Tanggungan _________________

Email / Emel___________________________________________

REQUIRED DOCUMENTS / DOKUMEN DIPERLUKAN

**PERSONAL SECURITY REFERENCE / RUJUKAN KESELAMATAN PERIBADI

Mother’s Maiden Name / Nama Ibu Sebelum Kahwin______________________________________________________

**PERSONAL REFERENCE / RUJUKAN PERIBADI

Referral Name and Contact No. / Nama Rujukan dan No. Telefon____________________________________________________________________________________________________________

*Please use a black ball-point pen ONLY / Sila gunakan pen dakwat hitam SAHAJA **Mandatory to fill in / Wajib dilengkapkan. All documents must be verified by employer / Head of Department / Dokumen-dokumen harus disahkan oleh majikan / Ketua Jabatan

Rented /Disewa

Family Owned /Milik Keluarga

Mortgaged /Digadai

Employer /Majikan

Mailing Address /Alamat Surat-menyurat

Residence /Alamat Kediaman

Office /Pejabat

Postcode / Poskod

Postcode / Poskod

**Office Tel. No. / No. Tel. Pejabat

Office Tel. No. / No. Tel. Pejabat

**House Tel. No. / No. Tel. Rumah

**Mobile Tel. No. / No. Tel. Bimbit

Office Tel. No. / No. Tel. Pejabat

SPOUSE’S DETAILS / MAKLUMAT SUAMI / ISTERI

Name as per MyKad / Nama seperti MyKad_______________________________________________________

Name of Company / Department / Nama Syarikat / Jabatan

Unit / Unit _____________________________________________

Position / Jawatan _______________________________________

Address / Alamat ______________________________________________________________________________________________

_____________________________________________________________________

MyKad No. / No. MyKad

**EMERGENCY CONTACT PERSON / RUJUKAN SEMASA KECEMASAN(Family Members Not Living With You)/( Ahli Keluarga Yang Tidak Tinggal Bersama)

Postcode / Poskod

Name / Nama ___________________________________________Relationship / Hubungan __________________________________

Address / Alamat ______________________________________________________________________________________________

House Tel. No. / No. Tel. Rumah

Mobile Tel. No. / No. Tel. Bimbit

Primary/Secondary /Rendah/Menengah

Diploma/Diploma

Degree /Ijazah

Masters/Phd /Sarjana/Doktor Falsafah

Academic Qualification / Kelayakan Akademik

Malay /Melayu

Bumiputera /Bumiputera

Chinese /Cina

Indian /India

Others /Lain-lain

Race / Bangsa

REQUIRED DOCUMENTS / DOKUMEN DIPERLUKAN2 copies of MyKad (front and back) /2 salinan MyKad (depan dan belakang)

1 original + 1 copy of Employee Confirmation Letter (with Employer’s Letterhead) /

1 salinan asal + 1 salinan Slip Gaji (Terkini 3 bulan)

1 original Redemption Statement of other banks/FIs (if any)/ 1 salinan asal Penyata Penebusan dari Bank-bank lain/ Institusi Kewangan (jika berkenaan)

___________________________

1 original + 1 copy of Salary Slip (Latest 3 months) /

1 salinan asal + 1 salinan Surat Pengesahan Jawatan dari Majikan (dengan Kepala Surat Rasmi Majikan)

FINANCING TRANSACTIONS AND EXPOSURE WITH CONNECTED PARTIES /TRANSAKSI PEMBIAYAAN DAN PENDEDAHAN DENGAN PIHAK BERKAITAN

( ) Yes / Ya ( ) No / Tidak

PEMBAYARAN

DECLARATION / PENGESAHAN

DISBURSEMENT /

Please provide the Bank’s name and sole account number. / Sila nyatakan nama Bank dan nombor akaun tunggal.

Account No. / No. Akaun

I declare, confirm and undertake that the details of the account stated above are correct and valid and that it is an individually-heldaccount which is active and non-dormant (i.e. not inactive for more than 6 months). I acknowledge that there could be delays in theprocessing of my application or that the Personal Financing-i for Government Servant amount may not be credited into my account if the details given are not correct. Any charges imposed or levied on the account shall be my sole and absolute responsibility and liability. /Saya mengakui, mengesahkan dan mengakujanji bahawa butiran akaun yang dicatatkan di atas adalah pegangan individu yang aktif dan tidak dorman (iaitu bukan tidak aktif selama 6 bulan). Saya akui bahawa mungkin berlaku kelewatan di dalam pemprosesan permohonan saya atau jumlah Pembiayaan Peribadi-i untuk Sektor Awam mungkin tidak dapat dikreditkan ke dalam akaun saya sekiranya butiran yang diberikan tidak betul. Sebarang bayaran yang dikenakan atau dilevikan ke atas akaun tersebut adalah tanggungjawab dan liabiliti saya sepenuhnya.

Do you have any immediate family or close relatives (including parent, brother/sister and their spouses, dependents of the spouse and own/step/adopted children and spouse of the child/children) that are employees of RHB Banking Group? / Adakah anda mempunyai ahli keluarga atau saudara terdekat (termasuk ibu bapa, abang / kakak / adik dan pasangan mereka dan tanggungan kepada pasangan, anak sendiri/ tiri / angkat dan pasangan tanggungan) yang merupakan kakitangan Kumpulan Perbankan RHB?

I hereby confirm and declare that all information provided by me is complete, true and correct and that I authorize RHB Islamic BankBerhad (“the Bank”) to verify any information provided and to obtain from any source including Inland Revenue Board as the Bank considers appropriate any information which the Bank may require. The Bank may, at its sole and absolute discretion, approve or reject my application. I agree that by signing and / or using the financing facilities, I agree to be bound by and to comply with all the terms and conditions of the Bank which will be sent to me upon approval of my application and any other terms and conditions imposed by the Bank from time to time for financing facilities and all amendments thereto and agree that financing facilities may only be used subject to such terms and conditions. I understand that the financing facilities when issued remain the property of the Bank and must be paid to the Bank upon request and shall be subject to cancellation with prior notice. I irrevocably and unconditionally agree, authorize and permit the Bank to disclose or release to Bank Negara Malaysia, Cagamas Berhad, the credit bureau established by Bank Negara Malaysia including but not limited to the Central Credit Reference Information System (CCRIS) and such other authorities pursuant to any applicable law, regulations or directive (whether having the force of law or otherwise) or any party as the Bank shall deem fit, any information with respect to me for any purpose including but not limited to the purpose of assessing my credit worthiness. I hereby confirm that no further permission or consent from me is necessary or required in relation to all of the above disclosures. I hereby declare that I have not breached or contravened the provisions of Section 57 of the Islamic Financial Services Act 2013 read together with Bank Negara Malaysia (BNM) Guidelines on Credit Transactions and Exposures with Connected Parties for Islamic Banks and/or of any replacement standards/guidelines/specifications/ circulars issued by BNM from time to time in connection herewith. I further declare and confirm to the Bank that my spouse, parents, child/children are not in the employment of or directly related to any of the directors, officers or employees of the Bank. I shall not dispute the contents of the faxed copy received by RHB Islamic Bank Berhad which shall be deemed as the original application and I shall produce the original application to the Bank upon request. I agree to abide by the laws of Malaysia related to Anti-Money Laundering and Counter Financing of Terrorism. I have been briefed on the description and benefits pursuant to the Product Disclosure Sheet that has been given to me on the RHB Islamic Personal Financing-i for Government Servant herein. /

Bank’s Name / Nama Bank

____________________________________________________________________________________________________________

Signature of Applicant / Tandatangan Pemohon

_________________________________________________________

Date / Tarikh

( ) Yes / Ya ( ) No / Tidak

FOR BRANCH/SALES USE ONLY / UNTUK KEGUNAAN CAWANGAN/JUALAN SAHAJA

Referred by / Dirujuk oleh

Name / Nama :Staff ID / No. Pekerja :Branch Stamp / Cop Cawangan :

Supported by / Disokong oleh

Name / Nama :Staff ID / No. Pekerja :Branch Stamp / Cop Cawangan :

Organisation Code /Kod Organisasi

Program Code /Kod Program

Branch Code /Kod Cawangan

Staff ID No. /No. ID Pekerja

Saya dengan ini mengesahkan dan mengaku bahawa kesemua maklumat yang diberikan oleh saya adalah lengkap, benar dan tepat dan saya memberi kebenaran kepada RHB Islamic Bank Berhad (“Bank”) untuk mengesah sebarang maklumat yang diberikan dan mendapat daripada mana-mana sumber termasuk Lembaga Hasil Dalam Negeri sebarang maklumat yang dianggap perlu atau diperlukan oleh Bank. Bank berhak atas budi bicara mutlaknya untuk melulus atau menolak permohonan saya. Saya bersetuju dengan menandatangani dan / atau menggunakan kemudahan pembiayaan ini, saya bersetuju untuk diikat oleh dan mematuhi dengan kesemua terma-terma dan syarat-syarat perjanjian Bank yang akan dihantar kepada saya setelah permohonan saya diluluskan dan kesemua terma-terma dan syarat-syarat lain yang dikenakan oleh Bank dari semasa ke semasa untuk kemudahan pembiayaan dan semua pindaan lain dan bersetuju bahawa kemudahan pembiayaan hanya boleh digunakan tertakluk kepada apa-apa terma-terma dan syarat-syarat. Saya faham bahawa kemudahan pembiayaan apabila diluluskan adalah sentiasa hakmilik Bank dan hendaklah dibayar kepada Bank apabila diminta dan boleh dibatalkan oleh Bank dengan notis terdahulu. Saya dengan perihal tidak boleh dibatalkan dan dengan tiada syarat bersetuju, memberi kebenaran dan membenarkan Bank untuk memberi kepada Bank Negara Malaysia, Cagamas Berhad dan biro kredit yang ditubuhkan oleh Bank Negara Malaysia termasuk tetapi tidak terhad kepada Sistem Maklumat Rujukan Kredit Pusat dan lain-lain pihak berkuasa di bawah sebarang undang-undang, peraturan atau perintah (samada mempunyai kuasa undang-undang atau tidak) atau mana-mana pihak yang ditentukan sesuai dan berkenaan oleh Bank, sebarang maklumat berkenaan dengan saya untuk apa-apa tujuan termasuk tetapi tidak terhad kepada tujuan menilai kemampuan pembiayaan saya. Saya dengan ini mengesahkan bahawa tiada lagi kebenaran atau persetujuan dari saya adalah perlu atau dikehendaki berhubung dengan perkara tersebut di atas. Saya dengan ini mengaku bahawa saya tidak pernah melanggar peruntukan Seksyen 57 Akta Perkhidmatan Kewangan Islam 2013 dibaca bersama dengan Garis Panduan Bank Negara berkenaan Urus Niaga Kredit dan Pendedahan dengan Pihak Berkaitan bagi perbankan Islam dan/atau mana-mana garis panduan pengganti/spesifikasi/pekeliling yang dikeluarkan oleh BNM dari semasa ke semasa yang berkaitan dengannya. Saya juga mengaku dan mengesahkan kepada Bank bahawa pasangan, ibu bapa, anak/anak-anak saya adalah bukan pekerja atau secara langsung berhubung kait dengan mana-mana pengarah, pegawai atau pekerja Bank. Saya tidak akan mempertikaikan isi kandungan salinan faks yang diterima oleh RHB Islamic Bank Berhad yang akan dikira sebagai permohonan benar dan saya akan mengeluarkan permohonan benar kepada Bank apabila diminta. Saya bersetuju mematuhi undang-undang Malaysia yang berkaitan dengan Pencegahan Pengubahan Wang Haram dan Pembanterasan Pembiayaan Keganasan. Saya telah diberitahu tentang keterangan dan faedah berhubung dengan Helaian Pendedahan Produk yang telah diberikan kepada saya berkaitan dengan Pembiayaan Peribadi-i untuk Sektor Awam RHB Islamic yang dipohon di sini.

X

1.

DIPENUHI OLEH SAKSI

Tandatangan Tandatangan

Nama Penuh Nama Penuh

No. Kad Pengenalan / No. Tentera / No. Polis No. Kad Pengenalan

Tarikh Tarikh

No. Gaji / Pekerja / Personel

Jawatan

Nama / Alamat Majikan

No. Telefon

Nama Bank / No. Akaun

2. PENGESAHAN UNIT GAJI / BAHAGIAN KEWANGAN / BAHAGIAN PENTADBIRAN

Tandatangan

Nama Penuh

Jawatan Pegawai

Tarikh

3.

Amaun Amaun

Bulan Tahun Bulan Tahun Pokok Faedah

Jumlah Hash (Amaun Pokok + Amaun Faedah)

Disediakan oleh:

Nama

Tandatangan

Tarikh

I DESTINASI SDN BHD (66784-V) Alamat : 4 & 6 Persiaran 65C Jalan Pahang Barat, Off Jalan Pahang, 53000 Kuala Lumpur. Tel : 03 4023 2266 Faks : 03 4023 3366

SURAT AKUAN KEBENARAN POTONGAN GAJI PEMBELI/PEMINJAM

Cop Rasmi Majikan

UNTUK KEGUNAAN ORGANISASI SAHAJA

Potongan

Kod Tarikh Mula Tarikh Akhir

PERAKUAN PEMBELI / PEMINJAM

COP ORGANISASI

Saya dengan ini bersetuju supaya gaji saya dipotong untuk dibayar kepada (nama organisasi)

bagi bayaran seperti ternyata di Bahagian Tiga (3) dalam surat kebenaran ini dan lain-lain bayaran atau perubahan yang diarahkan oleh organisasi dari masa ke semasa.

Potongan ini akan dibuat kepada I Destinasi Sdn. Bhd. (IDSB) yang bertanggungjawab mengendalikan pengutipan potongan gaji.

Persetujuan saya ini juga adalah keizinan saysa yang dikehendaki di bawah undang-undang bertulis mengenai potongan gaji dan/atau buruh terpakai dan keizinan ini

termasuk memberi kuasa kepada majikan saya untuk mengubah dan/atau meminda potongan gaji ini selaras dengan undang-undang bertulis.

Persetujuan ini laku sehingga kebenaran ini saya tarik balik secara bertulis dan pembatalan potongan ini akan dilaksanakan setelah disahkan oleh organisasi bahawa

saya adalah bebas dari sebarang hutang atau tunggakan ansuran pinjaman dan lain-lain bayaran atau perubahan yang diarahkan. Saya maklum bahawa urusan

potongan gaji ini ialah suatu kemudahan membayar dan saya masih bertanggungjawab terhadap bayaran-bayaran yang tidak dijelaskan kepada organisasi tersebut.

Saya juga membenarkan pihak organisasi atau majikan menyemak maklumat potongan gaji dan maklumat lain saya. Sebagai balasan bagi yang tersebut di atas, saya

dengan ini menyelamatkan Kerajaan Malaysia dan IDSB dari kerugian dan saya tidak akan membuat tuntutan terhadap mereka, tidak akan menuntut daripada mereka,

atau tidak akan mendakwa mereka, di atas apa-apa kerugian yang mungkin berlaku selepas apa-apa jumlah telah dipotong dari gaji saya dan dihantar kepada IDSB atas

permintaan saya.

Saya dengan ini mengizinkan IDSB mengenakan caj proses dan penyediaan potongan gaji sebanyak 2% daripada jumlah potongan gaji bulanan saya sehingga tamat

bayaran / penyelesaian pembiayaan sepertimana yang terdapat di dalam perjanjian pembiayaan.

Saya mengakui telah membaca dan memahami implikasi surat kebenaran ini dan semua pekeliling, arahn dan aturan-aturan yang mengawalselia urusan potongan gaji

Adalah dengan ini disahkan bahawa butir-butir yang ternyata di atas diakui betul dan penama berkenaan berkhidmat

di jabatan / sekolah ini.

x

Date :

RHB Islamic BankLevel 11, Menara Yayasan Tun Razak200, Jalan Bukit Bintang55100, Kuala Lumpur

Sir / Madam,

AUTHORIZATION OF PAYMENT DEDUCTION FROM PERSONAL FINANCING-i FACILITY

We refer to the above.

I, ____________________________________________________ (MyKad:__________________________________________ ) hereby authorize and allow RHB Islamic Bank (“Bank”) to make direct deduction/payment from the amount approved by the Bank.

1.0 Stamp Duty 2.0 Takaful Contribution 3.0 Redemption Amount 4.0 Trading Fee

Total Deduction

Note : Only for PF-i Civil Sector via Angkasa Note : If applicable

RHB Bank/RHB Islamic Bank Berhad

__________________________________________________

APPLICANT’S SIGNATURE

NAME : ______________________________________

I also agree that the balance amount of the above financing (after deduction) will be paid by the Bank to me through Bank account or through any means deemed fit by the Bank.

I also hereby agree that this authorization is an irrevocable approval if the redemption amount has been paid to any third party on my behalf by the Bank, and I also agree and promise to pay the whole redemption amount to the Bank if I were to withdrawn from the facility.

The Bank shall credit the net amount of the financing as per above (after taking into consideration the above deduction and any fees charged by the Bank on me) into my account as per below:

I hereby agree that the Bank shall not be liable on any damages, losses, or any costs that should be borne by me. I also will bear all the losses (“on full indemnified basis”) on behalf of the Bank on any losses or damages that incurred by the Bank on the Bank’s action in order to execute my order and authorization above.

RM _____________________RM _____________________RM _____________________RM _____________________

RM _____________________

RM _____________________

RM _____________________RM _____________________

1

2

5.1 Gross Admin Fee5.2 Total GST payable @ 6% on Gross Admin FeeTotal admin fee (inclusive of GST)

5.0 Admin Fee breakdown:

1

2

AUTHORIZATION OF PAYMENT DEDUCTION FROM PERSONAL FINANCING-i

PF-i for Private/Pensioner (for RHBIB/RHB account only)

PF-i for Civil Sector

Account No.

Existing RHB Account Other Bank (please specify)

X

1

RHB Islamic Bank Berhad (680329-V)

Unsecured Business Level 12

Menara Yayasan Tun Razak 200 Jalan Bukit Bintang

55100 Kuala Lumpur, Malaysia Tel: (603) 21715000 Fax: (603) 21715001

Ref No. :

Date :

To :

....................................................

....................................................

....................................................

....................................................

LETTER OF OFFER: PERSONAL FINANCING-i FACILITY FOR CIVIL SECTOR

We refer to the above and are pleased to inform you that RHB Islamic Bank Berhad (“the Bank”) has approved the above financing facility (“Facility”) subject to the following Terms and Conditions:

1. CUSTOMER : Name : ..............................................................................................................

NRIC No: ..............................................

Phone No: .......................................(Home)

.......................................(Mobile)

2. GOVERNING

LAWS

: Laws of Malaysia

3. FACILITY : Type of Facility/Amount: Personal Financing-i Facility under the concept of Commodity Murabahah via Tawarruq arrangement in the sum of Ringgit Malaysia ......................................................................... ............................................................................................... (RM.......................................) (hereinafter referred to as “Facility Amount”) only or such amount to be approved by the Bank subject to the Bank’s internal credit evaluation and clearance for which the sum approved and other relevant terms shall be communicated to the Customer via short messaging service (“SMS”) or other forms of Notice.

4. PURPOSE : The Facility is to be utilised for the personal use of the Customer. The Customer acknowledges and agrees that the Facility shall not be utilised for any non-halal goods or services failing which, the Bank has the right to terminate and recall the Facility immediately.

5. SPECIFIED

COMMODITY

: Any commodity as determined by the Bank which is halal and is in compliance with Shariah principles on an “as is where is” basis, without any representations or warranties from the Bank as to the quality, condition, quantity and description and without liability on the part of the Bank for any loss, damage or deterioration.

6. MODE OF

FINANCING

: Upon Customer’s acceptance of this Letter of Offer, Customer shall issue an irrevocable Commodity Purchase Order in the form set out in Annexure 2 made to the Bank. The Bank shall initiate commodity trading with a commodity broker (“Broker A”) on immediate payment term for the purchase of a Specified Commodity which is equivalent to the Facility Amount. Upon the Bank taking delivery of the Specified Commodity from Broker A, the Bank shall

2

issue an SMS to the Customer offering to sell the Specified Commodity at a marked-up price and on deferred payment basis (“Bank’s Sale Price”). The Customer will appoint the Bank as its sole and exclusive agent to sell the Specified Commodity to another commodity broker (“Broker B”) on immediate payment term as set out in the Seller’s Offer in the sum equivalent to the Facility Amount. Customer agrees that he/she shall not revoke this agency appointment as long as the Facility remains available. All the actions of the Bank as the agent on Customer’s behalf shall remain binding on the Customer and not be affected by any event taking place which may have the effect of revoking this appointment unless the Bank has actual knowledge of such event. In consideration of the Bank acting as the Customer’s agent, the Customer shall indemnify the Bank against all actions, claims, demands, liabilities, losses, damages, costs and expenses of whatever nature which the Bank may sustain or incur as result of acting as his/her agent. Upon disbursement the Customer will be issued with a Murabahah Sale Offer Letter in accordance with the SMS sent out. The Customer’s acceptance of the Bank’s offer as contained in the SMS or the Murabahah Sale Offer Letter and the Customer’s onward sale to Broker B either: (i) by replying “YES” to the SMS* or (ii) by the Customer’s written acceptance of the Murabahah Sale Offer Letter in the

form set out in Annexure 3** or (iii) a non reply*** within the same day (during the Bank’s business hour)

all of which followed by the Customer’s issuance of a Seller’s Offer as set out in Annexure 4) will, subject to any variations to be informed by Notice from the Bank, constitute a:

(a) debt on the Customer whereby the Customer covenants to the Bank to pay the Bank’s Sale Price in the amount/ rate/ instalment as contained in the SMS and in the manner as contained in this Letter of Offer;

(b) disbursement of the Facility Amount whereby, the proceeds from the sale to Broker B will be deposited/ credited into the Customer’s account subject to any agreed deduction with the Bank and shall be deemed to be a full disbursement under the Facility.

*Note: a “NO” reply to the SMS will signify that the Customer will take delivery of the Specified Commodity whereby all costs (including but not limited to transportation and storage) involved in taking delivery will be fully borne by the Customer. A “CANCEL” reply to the SMS will signify that the Customer does not wish to proceed with the transaction and Facility. **Note: in the event the Customer issues a Murabahah Sale Acceptance Letter as per Annexure 3, the disbursement of the Facility will proceed via the issuance of a Seller’s Offer (in the form set out in Annexure 4). If there is discrepancy between the SMS reply and the Murabahah Sale Acceptance Letter, the SMS reply will prevail unless of a non-reply event. ***Note: If there is no reply from the Customer, it is deemed that the Customer agrees to appoint the Bank as Customer’s agent (wakeel) and shall proceed to accept the purchase of the commodity on behalf of the Customer.

7. FINANCING

TERM/DURATION

: ................... months subject to any variation to be informed by notice from the Bank.

8. BANK’S SALE

PRICE OF THE COMMODITY (SALE PRICE)

: Ringgit Malaysia....................................................................................................................

...............................................................................................................................................

(RM...............................) subject to any variation to be informed by notice from the Bank.

9. PROFIT RATE

: ............ % p.a subject to any variation to be informed by notice from the Bank.

3

10. METHOD OF PAYMENT OF BANK’S SALE PRICE (INSTALMENT)

: Duration Monthly payment*

...........months RM .....................

Final month** RM ......................

*The monthly payment comprises of Bank’s Sale Price and collection cost of up to 2% (of the monthly payment) as imposed by Biro Perkhidmatan Angkasa or I.Destinasi Sdn. Bhd which is inclusive of Goods and Services Tax (“GST”). **Final monthly payment payable can be higher or lower than ordinary monthly instalment, depending on the balance of the Bank’s Sale Price remaining unpaid by the final month.

Any variation to the monthly payments (“instalment payments”) and the duration for payment of the Sale Price will be communicated by the Bank to the Customer by Notice from the Bank from time to time, provided that the Sale Price shall remain unchanged. The first instalment payment to the Bank shall be made one month after the proceeds from the sale to Broker B is deposited/ credited into the account of the Customer subject to any agreed deduction with the Bank (on a point to point basis) and the subsequent instalment payments shall be paid on the corresponding date of the subsequent months until the Bank’s Sale Price is paid in full. Should there occur any non-payment, insufficient instalment payment or shortfall in instalment for reasons (including but not limited to) of insufficient fund, the Customer shall immediately pay the instalment payment or shortfall amount directly to the Bank, upon notification of the same from the Bank.

11. COMPENSATION (TA’WIDH) PAYABLE ON THE FACILITY

: The Customer shall be liable to pay the Bank compensation as follows :

(1) for any failure on the Customer’s part to pay the payment due under the Facility from the date of first disbursement until the date of maturity of the Facility, the compensation rate that shall be applied is one percent (1%) per annum: (a) on the overdue amount in case of default of scheduled payments; or

(b) on the outstanding balance of the Facility in case of default causing the Facility to be terminated or brought to court for judgement prior to the expiry of the Facility.

(2) for any failure on the Customer’s part to pay any amount overdue and which failure continues beyond the tenor of the Facility or after judgement is obtained (whichever is earlier), at such rate per annum as determined by the Bank from time to time (before as well as after judgement) provided the applicable compensation rate shall not at any time exceed the prevailing Bank Negara Malaysia’s Islamic Interbank Money Market Rate on the total outstanding

balance of the Facility calculated on daily rest basis; and

(3) the amount of such compensation shall not be compounded;

or by any other method approved by the Shariah Advisory Council of Bank Negara Malaysia.

12. DISBURSEMENT : The Facility shall be available for disbursement upon completion of the financing

processes and fulfilment of the conditions precedent as stated herein. The disbursement

of the Facility shall be made in lump sum basis pursuant to the sale of the Specified

Commodity to the Broker B, and shall be deposited directly into the Customer’s account

subject to any agreed deduction with the Bank or if authorised by the Customer, the

disbursement may be made to the list of payees as per Appendix 1.

13. PREPAYMENT : It is hereby agreed that notwithstanding any provision for the payment of the Facility

hereinafter contained, the Customer may at any time prepay the whole of the Bank’s Sale

4

Price subject to rebate (Ibra’) as the Bank may consider to give, PROVIDED THAT a

written notice of one (1) month prior to the intended date of prepayment is given in

advance to the Bank.

14. REBATE (IBRA’)

: (a) The Bank shall grant rebate (Ibra’) on any amount payable by the Customer in respect of any payment due under the Facility in any of the following situations: i) any early settlement or early redemption by the Customer including prepayment; ii) any settlement of the Facility due to any financing restructuring exercise by the

Customer; iii) any settlement by the Customer upon occurrence of the Event of Default; and iv) any settlement by the Customer in the event of termination or cancellation of the

Facility before the expiry of the Facility period.

Rebate (Ibra’) = *Remaining Unearned Profit – Early Settlement Charges (if any). * *Remaining Unearned Profit is equal to unrealised profit at the time of full settlement

(b) The calculation of rebate (Ibra’) shall be made in accordance with any rules, regulations and/ or directives (whether or not having the force of law) required of or imposed upon the Bank from time to time and at any time by Bank Negara Malaysia or any other authority having jurisdiction over the Bank.

15. ACCOUNT : The Customer has the option to open and maintain a deposit account with the Bank or

may specify his account with other Financial Institutions (“the Account”) and hereby agree

that the disbursement of the Facility shall be made directly into the Account.

The Customer hereby irrevocably and unconditionally authorises the Bank at any time and

from time to time without reference to the Customer and without any obligation whether in

law or equity to do so, debit the Account with the Bank for any payment due under or

pursuant to the Facility, including payment of the instalment.

16. TAKAFUL : The Customer shall take up a personal Takaful plan to secure the payment under the

Facility either from a Takaful operator listed on the Bank’s panel of Takaful operators or

from any other legitimate Takaful operator of their choice. The Takaful contribution

payable shall be deducted from the Facility amount prior to disbursement of the Facility to

the Customer.

17. APPOINTMENT

OF COLLECTION

AGENT

: The Bank shall have the right to appoint an agent of its choice to collect all and any sums

due to the Bank from the Customer under this Letter of Offer.

18. CONDITIONS FOR

DISBURSEMENT

: The Facility shall be available for utilisation subject to the Conditions Precedent as stated

in paragraph 2 of Annexure 1 (General Terms and Conditions) annexed hereto.

If the Customer fails to comply with any of the conditions precedent and the shariah

principles, the Customer shall not be entitled to utilise the Facility whereby the Bank shall

be entitled to recall the Facility without any prior notice and the Customer shall reimburse

and/or indemnify the Bank for all costs and expenses (including legal costs and expenses)

incurred by the Bank in connection with the approval and/or grant of the Facility to the

Customer.

5

19. PRE AND POST

DISBURSEMENT

CANCELLATION

: The Bank has the right to cancel the Facility offered, at any time before or after

disbursement, should there be discoverd any breach of shariah principles and material

omission of facts not disclosed or wrongly represented that may change the

creditworthiness of the Customer and the Customer’s ability to perform his/her obligation

without assigning any reasons thereto.

20. FEES COSTS AND

OTHER

EXPENSES

: All charges, legal and professional fees, stamp duties, present and future taxes including

but not limited to service charge or GST, withholding or other deductions whatsoever,

incidental to the Facility including the Bank’s solicitors fees on a solicitor-client basis

and/or if any monies hereby granted shall be required to be recovered by any process of

law or by the Bank’s solicitors shall be borne by the Customer.

21. INFORMATION

DISCLOSURE

: The Bank shall have the right to disclose and obtain any information relating to the Customer, any person providing security(ies) for the Facility and the Facility :

a) to Bank Negara Malaysia, the Central Credit Bureau, Cagamas Berhad and such

other authorities as may be authorised by law to obtain such information;

b) to its auditors, legal counsel and other professional advisers;

c) to Companies which are now or in future may be within the RHB Banking Group;

d) to Dishonoured Cheques Information System;

e) to I.Destinasi Sdn. Bhd. (IDSB) and Biro Perkhidmatan Angkasa;

f) pursuant to any subpoena or other legal provisions or in connection with any legal

action suit or proceeding relating to the Facility;

g) pursuant to any law; and

h) to any potential assignee, participant in the secondary debt market, novatee of the

Bank’s right in relation to the Customer or other person proposing to enter into any

contractual arrangement which requires the disclosure of such information.

22. AMENDMENTS AND / OR ADDITIONAL TERMS

:

a) The Bank may at any time hereafter at the Customer’s request or at the Bank’s

discretion convert and/or vary all or any part of the Facility hereby granted into another facility or facilities and in such an event, the liability or obligations hereunder created shall continue to be valid and binding for all purpose whatsoever up to the Bank’s Sale Price notwithstanding such addition or change and subject to such variations as shall be informed by the Bank (whether implied by law or trade usage governing or applicable to the addition or changes).

b) Notwithstanding any provision to the contrary, the terms of this Letter of Offer may, at any time or from time to time, be varied by the Bank and where the variation is material, notice will be given to the Customer, PROVIDED THAT such amendment or variation are subject to and shall be in compliance and in conformity with Shariah principles, and thereupon, the amendments and variations shall be deemed to have been made and shall be read and construed as having formed part of this Letter of Offer at the time of execution.

7

CUSTOMER’S ACCEPTANCE

TO : RHB ISLAMIC BANK BERHAD

I, the undersigned, hereby confirm that I have read the Terms and Conditions set out in this Letter of Offer and in its Annexures and have agreed to the same.

I hereby accept the Facility upon the Terms and Conditions mentioned above and in the Annexures hereto and I shall respond to the Bank’s SMS within the same working day on the date the first SMS is sent to me.

I hereby declare and confirm to the Bank that I am not related to/a guarantor to any of the directors, controlling shareholders, officers, members of Shariah Committee of the RHB Banking Group and their respective close relatives which include spouse and dependents of the spouse, child (including step/adopted child) and spouse of the child, parent and brother or sister and their spouses. I shall not dispute the contents of the faxed copy of the application form received by the Bank which shall be deemed as the original application and I shall produce the original application to the Bank upon request. I agree to abide by the Anti-Money Laundering and Anti-Terrorism Financing laws of Malaysia. I have been briefed on the description and benefits pursuant to the Product Disclosure Sheet that has been given to me on the RHB Islamic Personal Financing-i for Government Servant herein.

It is also hereby agreed that notwithstanding any provision for the payment of the Facility hereinbefore contained, I may at any time prepay the whole of the Bank’s Sale Price as the Bank may accept provided that prior written notice of one (1) month is given in advance to the Bank.

To: RHB Bank Berhad (Co. No.6171-M)

Debiting of Account with RHB Bank Berhad

Subject to Clause 11 of Annexure 1, If I have Current or Savings Account(s) including joint account(s) with any other

person with RHB Bank Berhad, I irrevocably authorise RHB Bank Berhad to debit my account(s) with you and pay such

proceeds to RHB Islamic Bank Berhad (“the Bank”) for any amount due from me to the Bank hereunder even if

suchdebiting causes an overdrawn position or any existing overdraft limit to be exceeded due to insufficient funds in my

RHB Bank Berhad’s account(s), and I agree to bear the financial consequences of such overdrawing or excess

according to the Terms and Conditions imposed by you.

………………………………………

Name : .............................................................

NRIC No. : .............................................................

Date : .............................................................

Phone No. : ............................................................. (Home) ................................................................ (Mobile)

For Bank’s Use,

Verified by,

…………………………........……

Name : .....................................................

NRIC No. : .....................................................

Date : .....................................................

X

8

APPENDIX 1

(Clause 12)

Settlement Instruction

NO. INSTITUTIONS/ COOPERATIVES SETTLEMENT

AMOUNT

SETTLEMENT DUE DATE

( IF APPLICABLE)

9

ANNEXURE 1

THE GENERAL TERMS AND CONDITIONS

1. REPRESENTATIONS AND WARRANTIES

The Customer hereby represents and warrants to the Bank that:

(i) the Customer has full legal right, authority, power and capacity to accept the Facility and to perform his/her

obligations in accordance with the terms in this letter of offer;

(ii) the Customer is under the service of, and is permanently employed by, the Government;

(iii) this Letter of Offer constitutes the legal, valid and binding obligations enforceable against the Customer in

accordance with its respective terms;

(iv) all consents, authorisations and approvals which are required or advisable to be obtained in connection with the

acceptance, delivery, legality or enforceability of this Letter of Offer and the use of the Facility have been

obtained and are in full force and effect;

(v) neither the Customer’s acceptance and delivery of this Letter of Offer nor the performance of the terms herein

will contravene or constitute a default under any law, regulation, order or decree of any governmental authority,

agency or court to which the Customer is subject;

(vi) the Customer is not in default under any agreement to which the Customer is a party or by which the Customer

may be bound and no litigation, arbitration or administrative proceedings are presently, current or pending or

threatened against the Customer;

(vii) all information furnished by the Customer to the Bank in connection with the Facility are true and correct and

there has been no omission, which would render the information inaccurate or misleading; and

(viii) there are no bankruptcy proceedings currently pending or threatened against the Customer.

2. CONDITIONS PRECEDENT The Facility will be made available for the Customer’s utilization upon the fulfilment of the following conditions precedent: (i) the Customer shall have passed the Bank’s internal credit evaluation and clearance to the Bank’s satisfaction; (ii) the Bank shall have received the Customer’s acceptance of this Letter of Offer within the time prescribed; (iii) all documents which are required herein and/or such other documents as may be required by the Bank and/or

its solicitors shall have been executed by the Customer, duly stamped and registed at such registries as the Bank may deem necessary or expedient;

(iv) the Customer shall have paid all fees or charges payable or agreed to be paid by the Customer to the Bank for

or in connection with the Facility;

(v) no Event of Default (as stipulated under paragraph 4 hereof) or no event which with the giving of notice or lapse

of time or both would constitute an Event of Default shall have occurred or is continuing;

(vi) no extraordinary circumstances or change of law or other governmental action shall have occurred which

makes it improbable that the Customer will be able to observe or perform the covenants and obligations herein;

and

(vii) search results on the Customer at the Director-General of Insolvency’s Office are satisfactory to the Bank.

3. AFFIRMATIVE COVENANTS

During the tenor of the Facility, the Customer will:

(i) punctually pay, discharge or otherwise satisfy at or before maturity or before they become delinquent, as the

case may be, the instalment payment of the Bank’s Sale Price and all of his/her indebtedness and other

obligations of whatever nature;

(ii) simultaneously perform and carry out any and all of his/her obligations under the Facility;

10

(iii) take all steps as may be necessary to ensure that there is no material adverse effect on his/her financial

position;

(iv) furnish to the Bank all information reasonably required by the Bank in relation to the Customer; and

(v) notify the Bank of the occurrence of an Event of Default or any event of default in relation to any of the

Customer’s other indebtedness.

4. EVENT OF DEFAULT

The full amount of the Bank’s Sale Price and all monies outstanding under the Facility together with compensation

thereon (if any) and all other monies relating thereto shall become payable by the Customer upon demand being made

by the Bank or upon the occurrence of any of the following events:

(i) the Customer defaults in the instalment payment(s) of the Bank’s Sale Price or in the payment of any money

payable to the Bank after the same shall have become due whether formally demanded or not;

(ii) the Customer defaults under any other provision herein which is not capable of remedy or which, being capable

of remedy, is not remedied within fourteen (14) days after being required to do so by the Bank;

(iii) any representation, warranty or condition made or implied by the Customer herein is incorrect or misleading in

any material respect;

(iv) any other event or series of events whether related or not has or have occurred which in the opinion of the Bank

(which opinion shall be final and binding) could or might affect or prejudice the Customer’s ability or willingness

to comply with all or any of the Customer’s obligations hereunder;

(v) the Customer commits any act of bankruptcy or becomes bankrupt or shall die or become insane;

(vi) any of the documents given to the Bank is or becomes for any reason whatsoever invalid or unenforceable;

(vii) if the Bank consider that the Facility or Customer’s position in relation to the payment of the Facility to be in

jeopardy.

5. BANK’S RIGHT TO COMMENCE LEGAL PROCEEDING CONCURRENTLY

Upon default or breach by the Customer of any term, covenant, stipulation and/or undertaking herein provided and on

the part of the Customer to be observed and performed, the Bank shall thereafter have the right to exercise all or any of

the remedies available whether by this letter of offer, by statute or otherwise and shall be entitled to exercise such

remedies concurrently, including pursuing a civil suit to recover all moneys due and owing to the Bank.

6. LEGAL AND INCIDENTAL EXPENSES

The Customer shall pay all legal fees and incidental expenses in connection with the preparation, stamping and

registration of any security documents required by the Bank hereunder even though the said documents are not

executed by the Customer for any reason whatsoever. If any money payable under the Facility is required to be

recovered through any process of law or placed in the hands of solicitors for collection, the Customer shall be liable to

pay the Bank’s solicitors’ fees (on a solicitor and client basis) and any other fees and expenses incurred in respect of

such collection.

7. WAIVER AND INDULGENCE

The Terms and Conditions herein may be waived by the Bank in whole or in part with or without conditions and without

prejudicing the rights of the Bank hereunder and any failure by the Bank to enforce any of the provisions hereunder or

any forbearance delay or indulgence granted by the Bank to the Customer shall not be construed as a waiver of the

Bank’s right hereunder.

11

8. CREDIT FACILITIES TO CONNECTED PARTIES The approval of the Facility to the Customer shall be upon the condition that the Bank will fully comply with any applicable

laws, legislations or regulations including, the provisions of Section 57 of Islamic Financial Services Act (IFSA) read

together with Bank Negara Malaysia (BNM)’s Guidelines on Credit Transactions and Exposures with Connected

Parties for Islamic Bank and/or of any replacement guidelines/specifications/circulars issued by BNM from time to

time in connection therewith. The Customer hereby declares to the Bank that the Customer is not related to/a

guarantor to/in control of/controlled by any of the directors, controlling shareholders, officers, Shariah Committee of

the RHB Banking Group and their respective close relatives (spouse and dependents of the spouse, child (including

step/adopted child) and spouse of the child, parent and brother or sister and their spouses). None of the directors,

controlling shareholders, officers, Shariah Committee of the RHB Banking Group and their respective close relatives is

a director, partner, executive officer, agent or guarantor in the Customer ’s firm/partnership/company/legal entity

and/or subsidiaries/entities controlled by the Customer. The Customer shall at all material times covenant to

declare to the RHB Banking Group should any connected party relationship materialises throughout the duration of this

Facility. In the event any undisclosed connected party relationship is established or discovered subsequently, the

Bank reserves the right to terminate and recall the Facility immediately.

9. ANTI-MONEY LAUNDERING AND ANTI-TERRORISM FINANCING ACT 2001 (ACT 613)

During the tenor of the Facility, the Customer will ensure that it has never and would not:

(i) engage, directly or indirectly, in a transaction that involves proceeds of any unlawful activity;

(ii) acquire, receive, possess, disguise, transfer, convert, exchange, carry, dispose, use, remove from or bring into

Malaysia proceeds of any unlawful activity; or

(iii) conceal, disguise or impede the establishment of the true nature, origin, location, movement, disposition, title of

rights with respect to, or ownership of, proceeds of any unlawful activity.

10. DUTY TO VERIFY STATEMENTS OF ACCOUNTS/CERTIFICATE OF BANK The Customer shall verify all statements of accounts sent to the Customer by the Bank and within reasonable time

revert to the Bank in the event of any discrepancy in such statements of accounts failing which they shall be deemed to

be conclusive and binding against the Customer. A statement by the Bank and signed by any of its officers as to what at

any time is the amount outstanding shall, save for manifest errors be final and conclusive and shall not be questioned

by the Customer on any account whatsoever.

11. SET OFF/COMBINATION OR CONSOLIDATION OF ACCOUNTS

The Bank shall be entitled by giving seven (7) days prior written notice to the Customer, to combine, consolidate or

merge all or any of the Customer’s accounts and liabilities with and to the RHB Banking Group up to the principal

portion only for non-islamic account(s) anywhere whether in or outside Malaysia, whether alone or jointly with any other

person and may transfer or set off any sums in credit in such accounts in, or towards satisfaction of any of the

Customer’s liabilities, whether actual or contingent, primary or collateral, notwithstanding that the credit balances on

such accounts and the liabilities on any other accounts may not be expressed in the same currency and the Bank is

hereby authorised to effect any necessary conversions at the Bank’s own rate of exchange then prevailing.

Without prejudice to the generality of the above, the Bank further reserves the right to debit any of the Customer’s

accounts (whether in credit or debit) with the Bank for all payments due and payable by the Customer howsoever to the

Bank by giving seven (7) days prior written notice to the Customer.

12

12. SUSPENSE ACCOUNT

Any money received by the Bank in respect of the Facility may be kept to the credit of a suspense account for so long

as the Bank thinks fit without any obligation in the meantime to apply the same or any part thereof on or towards

settlement of any liabilities due by the Customer to the Bank.

13. NOTICES & SERVICE OF LEGAL PROCESS

A. Notices

Any notice or communication under or in connection with this Letter of Offer shall be in writing and shall be

delivered personally, or by prepaid registered or ordinary post, facsimile, electronic mail or short messaging

system (“SMS”) to the addresses and mobile number given in this letter of offer or at such other addresses/

mobile number as the recipient may have notified to the other party in writing. Proof of posting or despatch of

any notice or communication shall be deemed to be proof of receipt:

(a) in the case of telephone call, when made; (b) in the case of delivery by hand, when so delivered; (c) in the case of a letter, after the expiration of three (3) *Business Days from the date it was posted; (d) in case of facsimile, at the time the transmission report is received by the sender which purports to

confirm that the addressee has received such facsimile; (e) in the case of electronic mail, at the time when actually sent in readable form; and (f) in the case of SMS, at the time when sending is successful.

For the avoidance of doubt, the customer authorises the Bank to rely upon and act on any instruction, notice or communication from the Customer made by telephone, facsimile or SMS to the Bank and the Customer shall indemnify and release and hold the Bank harmless against all actions, suits, proceedings, costs, claims, demands, charges, expenses, losses and liabilities (unless due to gross negligence or wilful default of the Bank) in consequence of, or in any way related to the Bank having relied upon or acted in good faith in accordance with the Customer's telephone, facsimile or SMS instruction, notice or communication notwithstanding that such instructions, notices or communications had been initiated or transmitted in error, fraudulently altered, misunderstood or distorted in the lines of communication or transmission.

* “Business Day” means a day which the Bank is open for business.

B. Service of Legal Process

(a) The service of any Legal Process may be given by prepaid registered or ordinary post sent to the

respective address of the parties hereto and such Legal Process shall be deemed to have been duly

served after the expiration of five (5) days from the date it is posted and if delivered by hand, on the day

it was delivered; and

(b) No change in the address for service howsoever brought about shall be effective or binding on either

party unless that party has given to the other actual notice of the change of address for service and

nothing done in reliance of sub-section (a) above shall be effected or prejudiced by any subsequent

change in the address for service, of which the other party has no actual knowledge of at the time the

act or thing was done or carried out.

(c) “Legal Process” means pleadings, all forms of originating processes, interlocutory applications of

whatever nature, affidavits, orders and such documents other than the aforesaid which are required to

be given to the other party hereto, notices, under the Companies Act 1965, the Bankruptcy Act 1967

and other Malaysian laws.

13

ANNEXURE 2

COMMODITY PURCHASE ORDER

(To be issued by the Customer to the Bank) DATE : TO : RHB ISLAMIC BANK BERHAD Level 12

Menara Yayasan Tun Razak 200 Jalan Bukit Bintang 55100 Kuala Lumpur, Malaysia

(for the attention of…………………………………………………….….)

Dear Sirs, LETTER OF OFFER DATED (“LETTER OF OFFER”) – COMMODITY PURCHASE ORDER I refer to Clause 6 of the Letter of Offer whereby the terms defined in the Letter of Offer have the same meanings when used herein I hereby make this order and request you to purchase the Specified Commodity at a purchase price of Ringgit Malaysia ……………………………………………………………………….………………..............................................................…….. only (RM………………………………) which is equivalent to the Facility Amount as approved by your goodself (Facility Amount). I acknowledge that your purchase of the Specified Commodity will be upon my request herein contained and I undertake to purchase the Specified Commodity from you an amount equivalent to the Facility Amount. This Commodity Purchase Order is irrevocable and the Terms and Conditions of the Letter of Offer are incorporated into this Commodity Purchase Order. Yours faithfully, ………………………. NAME : ………………………………….. NRIC NO. : …………………………………..

X

14

ANNEXURE 3

MURABAHAH SALE ACCEPTANCE LETTER

(To be issued by the Customer to the Bank)

DATE : TO : RHB ISLAMIC BANK BERHAD

Level 12 Menara Yayasan Tun Razak 200 Jalan Bukit Bintang 55100 Kuala Lumpur, Malaysia (for the attention of…………………………………………………….….)

Dear Sirs, LETTER OF OFFER DATED (“LETTER OF OFFER”) – MURABAHAH SALE ACCEPTANCE LETTER Pursuant to my acceptance via the SMS replied or the acceptance made by you on my behalf as agent (wakeel), I hereby confirmed that I have accepted your offer and purchased the Specified Commodity in accordance with the Terms and Conditions of the Murabahah Sale Offer Letter dated …………………… The Terms and Conditions of the Letter of Offer are deemed incorporated into this Murabahah Sale Acceptance Letter. Yours faithfully, ……………………….. NAME. : ............................................................. NRIC NO. : .............................................................

X

15

ANNEXURE 4

SELLER’S OFFER

(To be issued by the Customer through RHB Islamic Bank Berhad as the agent to sell to Broker B) DATE : To : [Broker B] Attn : Fax/E-mail : From : SALE OF COMMODITY PURSUANT TO PERSONAL FINANCING-i WITH RHB ISLAMIC BANK BERHAD. I refer to the above matter and I hereby appoint RHB Islamic Bank Berhad as my sole and exclusive agent to sell to you the Specified Commodities which terms are as follows: Terms Seller : RHB Islamic Bank Berhad as agent

Purchaser : Broker B

Seller’s Ref :

Certificate Number :

Commodities :

Quantity :

Location :

Selling Price in RM :

Value Date/ Delivery Date :

Payment Date :

Payment: On the payment date, you shall credit the Selling Price subject to any agreed deduction with RHB Islamic Bank Berhad stated above into my account pursuant to clause 15. This Sale Transaction will be concluded upon your acceptance of this offer by acknowledging receipt of this Seller’s Offer and forwarding the Selling Price to RHB Islamic Bank Berhad. Thereafter, the title and ownership of the Commodities will be transferred to you. Yours faithfully, ……………………….. NAME : .................................................. NRIC NO. : ..................................................

X

NOTIS PRIVASI RHB

Saya faham bahawa RHB Islamic Bank Berhad (680329-V) ("RHB") akan menggunakan, mengumpul, merekod, menyimpan, berkongsi dan/atau memproses maklumat peribadi saya, termasuk, tanpa had, butir-butir pengenalan saya, maklumat latar belakang, data kewangan dan maklumat lain yang berkaitan dengan permohonan saya untuk produk dan / atau perkhidmatan yang a) telah saya berikan di dalam borang ini atau melalui sebarang perhubungan lain dengan Kumpulan Perbankan RHB (termasuk syarikat-syarikat

induk RHB, syarikat-syarikat subsidiari, dan mana-mana syarikat yang berkenaan), termasuk mana-mana syarikat yang terhasil daripada mana-mana penyusunan semula, penggabungan, jualan atau pengambilalihan atau

b) diperolehi daripada analisis pembayaran saya dan urusniaga/perkhidmatan yang lain dalam Kumpulan Perbankan RHB, atau c) diperolehi daripada pihak ketiga seperti majikan, pemohon bersama/pemegang-pemegang akaun, penjamin-penjamin, wakil-wakil perundangan,

persatuan-persatuan berkaitan industri/kewangan, biro-biro kredit atau agensi-agensi pelaporan kredit, penjual- penjual, rangkaian-rangkaian sosial dan agensi-agensi pencegahan penipuan atau organisasi-organisasi lain,

untuk mana-mana dan/atau semua tujuan-tujuan yang berikut ("Tujuan"), jika berkaitan:

(i) menyediakan produk dan/atau perkhidmatan ini dan memaklumkan saya tentang sebarang perubahan penting atau perkembangan tentang ciri-ciri produk dan/atau perkhidmatan tersebut;

(ii) mengemaskini dan menguruskan ketepatan rekod Kumpulan Perbankan RHB; (iii) pencegahan, pengesanan atau pendakwaan jenayah, dan pematuhan obligasi-obligasi perundangan dan peraturan; (iv) penilaian dan analisis termasuk pemarkahan kredit / pinjaman / risiko insurans / kelakuan, analisis pasaran dan produk dan penyelidikan pasaran; (v) perhubungan dan memastikan kepuasan pelanggan, yang mungkin termasuk menjalankan kajian-kajian meningkatkan kualiti produk-produk

dan perkhidmatan-perkhidmatan kami, membalas kepada pertanyaan dan aduan serta untuk menyelesaikan percanggahan secara umumnya; (vi) menentukan jumlah hutang saya dan pemungutan hutang yang saya berhutang kepada RHB; (vii) mengekalkan sejarah kredit saya untuk rujukan semasa dan akan datang; (viii) membolehkan pemegang serah hak sebenar atau yang dicadangkan oleh RHB, atau peserta atau sub peserta RHB untuk menilai urus niaga

saya yang bertujuan untuk menjadi subjek penyerahhakan, penyertaan atau sub penyertaan; dan (ix) melindungi kepentingan Kumpulan Perbankan RHB dan tujuan sampingan atau tujuan lain yang berkenaan.

Saya faham dan mengakui bahawa RHB perlu memproses maklumat peribadi saya untuk Tujuan tersebut, tanpanya RHB tidak akan dapat menyediakan produk/perkhidmatan yang saya minta daripada RHB dan untuk memaklumkan saya tentang sebarang perubahan penting atau perkembangan tentang produk/perkhidmatan tersebut. Di mana saya telah memberi RHB maklumat peribadi sensitif (khususnya, maklumat tentang kesihatan fizikal / mental saya untuk permohonan bagi produk insurans / perkhidmatan), saya dengan ini memberikan RHB persetujuan nyata saya untuk memproses mengikut cara yang dinyatakan dalam Notis Privasi ini. Saya faham bahawa RHB mungkin akan mendedahkan maklumat peribadi saya (atau maklumat peribadi sensitif, jika berkenaan) kepada syarikat-syarikat lain di dalam Kumpulan Perbankan RHB, penyedia-penyedia perkhidmatan, peniaga-peniaga dan rakan-rakan kongsi strategik, pembekal-pembekal termasuk agensi-agensi pemungutan hutang, penasihat-penasihat profesional, persatuan- persatuan berkaitan industri/kewangan, biro-biro kredit atau agensi-agensi pelaporan kredit dan pencegahan penipuan, agensi-agensi kerajaan, institusi-institusi kewangan yang lain dan mana-mana ejen, pekerja, dan/atau mana-mana orang mereka, sama ada bertempat di dalam atau di luar Malaysia untuk Tujuan tersebut, jika berkenaan, tertakluk pada setiap masa kepada mana-mana undang-undang (termasuk peraturan-peraturan, piawaian, garis panduan dan / atau obligasi) yang terpakai kepada RHB. Saya juga faham bahawa saya boleh meminta untuk membuat pembetulan (jika maklumat peribadi saya adalah tidak tepat, ketinggalan zaman, tidak lengkap, dan lain-lain), akses kepada (fi yang ditetapkan mungkin dikenakan), atau untuk menghapuskan (jika saya tidak lagi mempunyai apa-apa produk/perkhidmatan yang sedia ada dengan Kumpulan Perbankan RHB) ke atas maklumat peribadi saya atau mengehadkan pemprosesan itu pada bila-bila masa selepas ini dengan mengemukakan permintaan tersebut melalui pos, e-mel atau faks kepada alamat berikut:

RHB Banking Group Customer Care Centre, Level 7 Menara AA, JalanTun Razak, 50400 Kuala Lumpur, Malaysia. Nombor Faks: 03 9206 8088 / Nombor Telefon: 03 9206 8118 / Emel: customer.service@rhbgroup.com

Saya mengakui bahawa Kumpulan Perbankan RHB boleh mengubahsuai atau mengemas kini Notis Privasi ini dari masa ke semasa, di mana salinannya boleh didapati di www.rhbgroup.com dan saya boleh menyalurkan sebarang aduan atau pertanyaan yang saya mungkin ada dengan cara yang ditunjukkan di atas. PENGIKTIRAFAN DAN KEBENARAN Dengan memberikan maklumat peribadi saya berserta tandatangan, saya mengizinkan RHB memproses maklumat peribadi saya untuk mana-mana pendedahan yang diperlukan dan pemindahan maklumat peribadi saya ke luar negara kepada pihak ketiga yang berkaitan, jika berkenaan.

Saya bersetuju dengan pendedahan dan/atau pemindahan maklumat peribadi saya kepada pihak ketiga yang berkaitan akibat daripada apa-apa penyusunan semula, penjualan atau pengambilalihan mana-mana syarikat dalam Kumpulan Perbankan RHB, dengan syarat bahawa penerima menggunakan maklumat peribadi saya untuk Tujuan tersebut sahaja. Saya juga menyatakan dan menjamin bahawa saya telah cukup memperolehi persetujuan individu-individu pihak ketiga (contohnya keluarga, pasangan, pihak-pihak berkaitan, pemegang kad tambahan dan/atau orang hubungan kecemasan, lain-lain) di mana maklumat peribadi mereka telah saya dedahkan kepada RHB untuk membenarkan RHB membuat pemprosesan yang sama berhubung dengan Tujuan, jika berkenaan.

KEBENARAN UNTUK PENJUALAN SILANG, PEMASARAN, PROMOSI, DAN LAIN-LAIN Saya/Kami mengizin dan membenarkan RHB memproses dan mendedahkan apa-apa maklumat yang saya/kami telah berikan kepada RHB untuk tujuan penjualan silang, pemasaran dan promosi (termasuk untuk menjalankan tawaran dan pertandingan), dan menjalankan kajian (bagi memperbaiki kualiti produk/perkhidmatan) kepada Kumpulan Perbankan RHB (di mana termasuk syarikat induk, anak-anak syarikat, mana-mana syarikat yang berkaitan dan/atau mana-mana syarikat/cawangan yang terhasil daripada apa- apa penyusunan semula, penggabungan, jualan atau perolehan, sama ada di dalam atau di luar Malaysia), rakan-rakan kongsi strategik, penyedia-penyedia perkhidmatan dan agen-agen, pekerja- pekerja dan/atau mana-mana orang mereka atau pihak ketiga, jika berkenaan. □ Ya □   Tidak

*Nota: Klausa ini hanya terpakai kepada individu-individu dan perusahaan kecil dan sederhana (SMEs).

AGENSI PENILAIAN KREDIT (CRA) BORANG PERAKUAN KEBENARAN

Saya/Kami,………………………………………………………………dengan    kad   pengenalan bernombor  ……………………………. dengan ini memberi kuasa dan memberi kebenaran kepada RHB Bank/RHB Islamic Bank untuk mendapatkan apa-apa maklumat kredit daripada CTOS dan/atau mana-mana Agensi Pelaporan Kredit berdaftar seperti yang didefinisikan di bawah Akta Agensi Pelaporan Kredit 2010 tanpa sebarang notis lanjut kepada Saya/Kami bagi tujuan seperti yang berikut (mana-mana yang berkenaan) :-

Pemprosesan permohonan kredit, Kajian semula had kredit, Penyusunan semula Pertindihan Naik taraf permohonan

BORANG AKUAN AKTA KEPATUHAN PERCUKAIAN AKAUN ASING

Sila  tandakan  (√)  untuk  yang  berkenaan Saya/Kami telah dimaklumkan dan saya/kami dengan ini mengesahkan bahawa saya/kami memahami keperluan FATCA. Saya/Kami dengan ini mengisytiharkan bahawa saya/kami

bukan individu Amerika Syarikat dan tidak mempunyai ciri-ciri indicia Amerika Syarikat

bukan individu Amerika Syarikat tetapi mempunyai ciri-ciri indicia Amerika Syarikat/bukan Entiti Sah Amerika Syarikat (sediakan borang W-8)

individu Amerika Syarikat/ Entiti Sah Amerika Syarikat (sediakan borang W-9)

Sekiranya terdapat sebarang kemaskini berkenaan dengan maklumat akaun/status FATCA, saya/kami dengan ini bersetuju untuk memaklumkan pihak RHB dan memberi bukti dokumen yang diperlukan dalam tempoh 30 hari dari tarikh perubahan tersebut. Saya/Kami mengizinkan dan memberi kebenaran kepada pihak RHB untuk mengambil sebarang tindakan berikut, jika berkenaan: 1. Mengenakan sebarang penahanan bayaran cukai yang berkenaan ke atas akaun tersebut 2. Melaporkan atau mendedahkan maklumat relevan berhubung dengan akaun tersebut 3. Menamatkan (dengan notis terlebih dahulu) hubungan kontrak di antara saya/kami dengan pihak RHB

Nama: Tandatangan: _______________________ No. KP:

X

PERSONAL FINANCING-i FOR CIVIL SECTOR VIA AG Date: ___________________________________ [To be filled in by Sales/Branch Personnel]

Page 1 of 2

PRODUCT DISCLOSURE SHEET (Please read and understand this Product Disclosure Sheet together with the general terms and conditions governing the Personal Financing-i for Civil Sector Via AG before you decide to take up this product. Seek assistance from RHB Islamic Bank Berhad if you need further clarification on any part of this document or the terms used.

1. What is this product about? This is an unsecured Personal Financing-i offered to government servant. The financing is offered through salary deduction using the service of an appointed service provider namely I. Destinasi Sdn. Bhd. (IDSB).

2. What is the applicable Shariah concept for this product? The Personal Financing-i adopts the concept of Commodity Murabahah via Tawarruq arrangement. Commodity Murabahah is referring to trading of commodities which act as underlying assets of a transaction. Customer will make payment of the sale price of the commodity, which is including cost price and profit on deferred basis. With the concept of Tawarruq, Customers will receive cash in exchange for the commodities being sold off to third party.

Transaction Flows: The Customer and RHB Islamic Bank (RHBIB) enter into an agreement where the Customer promises to buy a specified commodity or asset from RHBIB and the Customer then appoints RHBIB as his agent to sell the said commodity.

a) RHBIB will purchase a commodity from Broker A at a purchase price;

b) Ownership of the commodity will be transferred to RHBIB; c) RHBIB   will   sell   the   commodity   to   a   Customer   at   a   ‘mark-up’  

price (purchase price plus profit margin) d) Customer will appoint RHBIB as agent to sell-off the commodity; e) RHBIB acting as Customer’s   agent will sell the commodity to

Broker B; f) Broker B will purchase the commodity at the purchase price and

credit RHBIB account to reflect the sales transaction; g) RHBIB will make the fund available to Customer in the form of

Personal Financing-i (disbursement amount). 3. What can I benefit from this product?

Total amount financed RM___________ Total selling price RM___________ Profit rate _______________ % p.a Tenor _______________ years

4. What are my obligations?

Monthly payment* RM_____________________ Total amount including the amount financed

RM _____________________

*Monthly payment is derived based on the formula: - [(P × I × N) + P] / n Where; P: Financing Amount I: Profit Rate per annum N: Total Number of monthly payment in Years n: Total Number of monthly payment in Months

5. What are the fees and charges that I have to pay?

Types of Fee Details of Fee

Stamp Duty

Nominal amount of RM10.00 (per document) As per the Stamp Duty Act 1949 (Revised 1989) (subject to change that imposed by Government)

Brokerage fee RM30.00 per application

Collection fee Note:Subject to 6% Goods and Services Tax (“GST”) (as described below)

1.7% of monthly payment (inclusive of GST)

Takaful contribution Varies accordingly to financing amount, age and tenor.

Note 1: Bank will inform you within at least 21 calendar days prior to the effective date of implementation should there be any changes in the fees and charges which are applicable to your financing facility. Note 2: Stamp duty, brokerage fee and Takaful contribution will be deducted from the total financing proceeds. Note 3: 1.7% collection fee already incorporated in the monthly payment. Note 4: Please be informed that effective 1 April 2015, our banking fees and charges will be subject to GST, unless stated otherwise. With the implementation of GST, the Terms and Conditions (”T&Cs”)  for  our  products  may  be  amended  from  time  to  time  via  the  relevant prior notices as prescribed in the T&C and such amendments shall take effect on 1 April 2015. Kindly note that currently GST is not applicable for stamp duty, brokerage fee and Takaful contribution.

5. What are the documents that I need to submit?

6. Do I need any Takaful coverage?

Yes. Takaful coverage is compulsory. In circumstances of death and total permanent disability, the Takaful will pay off all outstanding amount of your financing with the Bank. This will alleviate the burden of payment on your survivors or next of kin. You shall take up a personal Takaful plan from any Takaful operator as approved by the Bank. Takaful contribution will depend on the tenor and amount of facility, including your age. The Takaful contribution will be deducted from the financing proceeds.

NO DOCUMENTS REQUIRED YES NO

1 1 original complete Application Form 2 2 copies of MyKad (front and back)

3 1 original + 1 copy of Salary Slip (Latest 3 months)

4

1 original + 1 copy of “Surat  Akuan  Kebenaran Potongan Gaji Pembeli/Peminjam (AG- Accountant General) / Surat Kebenaran Potongan Gaji (BPA-Biro Perkhidmatan  Angkasa)”  (whichever applicable)

5 1 original + 1 copy of Employee Confirmation Letter (with Employer’s  Letterhead)

6 1 original Letter of Authorization of Payment Deduction from Personal Financing-i

7 2 copies Letter of Offer (Pre-sign) 8 1 copy of Product Disclosure Sheet

(Bank’s  copy) 9 1 original Shariah Compliance Checklist

10 1 original Self-Declaration Form 11 1 copy of RHB / RHBIB / any other banks

Account Passbook

12 1 original Redemption Statement of other banks/FIs (if any)

13 1 original Retirement Option Letter (for applicant aged 48 years old & above if tenure exceeds mandatory retirement age)

14 1 original Transfer Letter (for applicant who will be transferred in less than 6 months from the point of application)

Page 2 of 2

7. What if I fail to fulfill my obligations? a) You shall pay the Bank, by way of Ta'widh (compensation), a

sum equivalent to one per centum (1%) per annum of the overdue payment(s) until date of full payment and/or settlement; OR   a   sum   equivalent   to   the   BNM’s   Islamic   Interbank   Money  Market (IIMM) Rate on the balance principal amount outstanding upon maturity date or the expiry of the Financing.

b) The Bank may set-off any credit balance in any account maintained with the Bank against any outstanding balance in this facility account which the Bank will notify you within at least 7 calendar days in advance.

c) Legal action will be taken if you fail to respond to reminder notices. You will have to bear all costs and responsible to settle any shortfall after legal action has been taken against you.

d) Legal action against you may affect your credit rating, which leads to credit being more difficult or expensive for you.

8. What if I were to pay more than the required monthly payment amount?

Any excess payment of the monthly paymentwill be recognised as advance payment.

9. What if I fully settle the financing before its maturity?

a) There will be no exit fee charges imposed for early settlement. b) No lock-in period imposed and no partial principal payment is

allowed. c) Rebate   (Ibra’)   - The   Bank   shall   grant   rebate   (Ibra’)   on   any  

amount payable by you in respect of any payment due under the transaction documents and / or security documents in any of the following situations:

i. any early settlement or early redemption by you including prepayment;

ii. any settlement of the Facility due to any financing restructuring exercise by you;

iii. any settlement by you upon occurrence of the Event of Default; and

iv. any settlement by you in the event of termination or cancellation of the Facility before the expiry of the Facility period.

Rebate   (Ibra’)   =   *Remaining   Unearned   Profit   – Early Settlement Charges (if any). *Remaining Unearned Profit is equal to unrealised profit at the time of full settlement The calculation  of  rebate  (Ibra’)  shall  be  made  in  accordance  with  any  rules, regulations and/ or directives (whether or not having the force of law) required of or imposed upon the Bank from time to time and at any time by Bank Negara Malaysia or any other authority having jurisdiction over the Bank.

10. What are the major risks?

Should you encounter any difficulty in meeting your obligations, please contact us in advance to discuss payment alternatives. This is to avoid legal action if you are unable to pay your monthly payment.

For government employees, monthly payment is deducted directly from the salary account. For those who opted to early settle the facility, a certain period of processing time is required to cease the deduction from the salary account. Therefore, you are advised to properly plan their time to make early settlement as it may result in over deduction of the salary account even though the facility has been fully settled.

11. Do I need a guarantor or collateral? No guarantor or security is required. 13. What do I have to do if there are any changes on my current

employment status e.g transfer or resignation? If you are going to be transferred or resigning from current employment, you need to contact: Customer Care Centre Email : customer.service@rhbgroup.com or pfi@rhbgroup.com Web : www.rhb.com.my

14. What do I need to do if there are changes to my contact details? It is important that you inform the Bank on any changes in your contact details to ensure that all correspondences reach you in a timely manner.

15. Where can I get assistance and redress? a) If you have difficulties in making payments, you should contact

us the earliest possible to discuss payment alternatives.

b) Alternatively, you may seek the services of Agensi Kaunseling dan Pengurusan Kredit (AKPK), an agency established by Bank Negara Malaysia to provide free services on money management, credit counseling, financial education and debt restructuring for individuals.

You can contact AKPK at: Tingkat 8, Maju Junction Mall, 1001, Jalan Sultan Ismail, 50250 Kuala Lumpur. Tel : 1-800-88-2575 Email : enquiry@akpk.org.my

c) If you wish to complain on the products or services provided by

us, you may contact us at: RHB Islamic Bank Berhad Level 11, Menara Yayasan Tun Razak, 200, Jalan Bukit Bintang, 55100 Kuala Lumpur. Tel: 03 9206 8118 / 082 276 118 Fax: 03 9206 8088 / 082 276 088 Email: customer.service@rhbgroup.com Web: www.rhb.com.my

d) If your query or complaint is not satisfactorily resolved by us, you may contact Bank Negara Malaysia LINK or TELELINK at: Block D, Bank Negara Malaysia Jalan  Dato’  Onn, 50480 Kuala Lumpur. Tel : 1-300-88-5465, Fax : 03-21741515 E-mail :bnmtelelink@bnm.gov.my

16. Where can I get further information?

If you have any enquiries, please contact us at: RHB Islamic Bank Berhad, Level 11, Menara Yayasan Tun Razak, 200, Jalan Bukit Bintang, 55100 Kuala Lumpur. Tel : 03 9206 8118 / 082 276 118 Fax : 03 9206 8088 / 082 276 088 Email : customer.service@rhbgroup.com Web : www.rhb.com.my

17. Other personal financing package available: Personal Financing-i for Pensioner Personal Financing-i for Private Sector

Other Information: Where the financing tenor extends into retirement, it is important that Applicant plans ahead to make sure that the Applicant would be able to continue to meet the obligation to pay the Monthly Payments after retirement.

I/ We hereby confirm having explained the Product Disclosure Sheet (PDS) to Customer.

……………………………………

Staff Name: Staff ID: Date:

I/ We hereby confirm having received and understand the explanation given.

…………………………………………

Name: NRIC: Date:

IMPORTANT NOTE: LEGAL ACTION MAY BE TAKEN AGAINST YOU IF

YOU DO NOT KEEP UP WITH PAYMENTS ON YOUR PERSONAL

FINANCING. The information provided in this disclosure sheet is valid as at 1 April

2015

X

Debt Repayment Obligation – Self Declaration Form – v1 Jan 2012

Debt Repayment Obligation - Self Declaration Form

Followings are my/our outstanding debts with financial institutions and/or non-financial institutions in Malaysia.

Bank/Finance Company/

Others

Type of Facility [Housing Loan(HL)/

Car Loan (CL)/ Personal Loan (PL)/

others]

Loan Amount

(RM)

Outstanding Balance

(RM)

Monthly Repayment

Amount (RM)

I/We, the undersigned hereby declare that the above information provided by me/us are true and correct and in the event that the Bank subsequently discovered that any of the information provided are found to be false, incorrect or incomplete, the Bank shall have the absolute discretion to cancel or vary the facility approved.

Borrower / Co-Borrower

…………………… Name: NRIC/Passport: Date:

Witnessed By:

……………………… Name: NRIC/Passport: Date:

X