Kenanga Investors Berhad Company No P

Transcription

1 Kenanga Investors Berhad Company No P PRS Consultant s Code : PRS Consultant s Name : BDM s Name : Kenanga Staff Kenanga Adviser/ Remisier PART 1 - MEMBER SUITABILITY ASSESSMENT (To be completed by individual contributors who opted for Self-Selection Option only) This Investor Suitability Assessment Form will guide you in choosing the PRS fund that best suits your investment objectives, risk tolerance, financial profile and investment experience. The information that you provide will form the basis of our recommendation. It is important to provide accurate and complete information to ensure that a suitable PRS fund(s) is recommended according to your investment needs and objectives. A. PERSONAL DETAILS Name of Applicant : Review Date : NRIC / Passport No. : Nationality : B. RISK PROFILE 1. My age is 4. I have invested in (please choose one only) (a) < 40 years old 5 points (a) Growth stocks / funds 5 points (b) 40 - < 50 years old 3 points (b) Dividend stocks / funds 4 points (c) 50 years old and above 1 point (c) Bond funds 3 points 2. My investment duration period is (d) Money market funds (e) I do not invest. I am new to investment. 2 points 1 point (a) More than 10 years 5 points 5. My investment objective is to achieve (b) 5 to 10 years 3 points (a) Capital growth 5 points (c) Less than 5 years 1 point (b) Capital growth and income 3 points (c) Income 1 point 3. I am an investor who is (a) Aggressive. Able to tolerate high risk 5 points 6. My expectation of the annualized gain from my investment is (b) Moderate. Able to tolerate some risk 3 points (a) More than 8% 5 points (c) Conservative. I am a risk averse investor 1 point (b) Between 5-8% 3 points (c) Match or exceed fixed deposit rate 1 point Total Points C. SCORING Conservative Moderate Aggressive D. RECOMMENDATIONS No Funds Basis of recommendation Consultant's Name : 1 2 Consultant's Signature: Date : E. DECLARATION I agree to provide all the information requested in this form. I decline to complete this form and I further confirm that any transaction I have decided to make is based on my own judgment. I confirm that the information provided herein is accurate, correct and true. I acknowledge that I have received the Product Highlights Sheet and / or Disclosure Document. I acknowledge that my Consultant has explained the abovementioned PRS fund(s) to me and I am fully aware of the PRS scheme features, direct and in-direct fees and charges as well as applicable investment risks. I understand my risk profile and the above recommendation. Applicant's Signature I agree with the recommendation. I choose to purchase a fund not recommended by my Consultant. WARNING : THE RECOMMENDATION IS MADE BASED ON INFORMATION OBTAINED FROM THE SUITABILITY ASSESSMENT. INVESTORS ARE ADVISED TO EXERCISE JUDGMENT IN MAKING AN INFORMED DECISION IN RELATION TO THE UNLISTED CAPITAL MARKET PRODUCT. Date Revised version: July 2016 Kenanga Investors Berhad ( P) Page 1 of 11

2 Kenanga Investors Berhad Company No P EMPLOYEE WORKSITE ENROLMENT PRS ACCOUNT OPENING FORM PPA Member: New Existing Channel: PRS Consultant (Provider) Institutional PRS Adviser PPA Account No: P P A Corporate PRS Distributor PRS Account No: PART 2 - EMPLOYEE WORKSITE ENROLMENT You must be 18 years and above as at the date of this application. Please provide a clear copy of your NRIC or Passport. Please complete this Form in BLOCK Letters and ( ) where appropriate, in BLACK ink. This form is to be completed by members who wish to invest in the funds for which Kenanga Investors Berhad herein known as 'the PRS Provider' acts as the PRS Provider. You must read and understand the contents of the relevant Disclosure Document(s) before completing this form. You shall be bound by the Terms and Conditions in this form upon our acceptance of your application. All fields are mandatory and must be completed. 1. PARTICULARS OF APPLICANT 1.1 Full Name: (as per NRIC/Passport) 1.2 Salutation: Mr. Mrs. Ms. Others 1.3 Marital Status: Single Married Others 1.4 NRIC No. (Malaysia): Passport No. (Foreigners): 1.6 Date of Birth: D D / M M / Y Y Y Y 1.7 Gender: Male Female 1.8 Age: 1.9 Ethnicity: Bumiputera Chinese Indian Others 1.10 Nationality: Malaysian Others 1.11 Education level SPM STPM Diploma Degree Postgraduate Others: 1.12 For US Residents only. US Taxpayer ID No.: 1.13 Staff ID: 1.14 Occupation: 1.15 Mother's Maiden Name: 1.16 If business owner, state nature of business 1.17 Household Income: Up to RM 1,500 RM1,501-RM3,000 RM3,001-RM5,000 RM5,001-RM8,000 RM8,001-RM15,000 RM15,001-RM20,000 RM20,001-RM50,000 RM50,001-RM100,000 RM100,001-RM200,000 > RM200, CORRESPONDENCE ADDRESS AND CONTACT DETAILS 2.1 Correspondence: Postcode: City State 2.2. Contact No.: Mobile Office Home By virtue of you providing your address, you are deemed to have consented to receive communication, information, reports, statements etc from Kenanga Investors Berhad in relation to your investments via . All information delivered via to applicant are deemed sent 2.3 Address: and received on the date such is sent. 3. CONTRIBUTION DETAILS 3.1 Individual Contribution: Employer Contribution Employer Contribution (Vesting Schedule) 3.2 Options: Default OnePRS Default Shariah OnePRS Employee Contribution (through Payroll Deduction) Self-Selection 4. CONTRIBUTION DETAILS (choose between Default or Self-Select Option) Default Option Fund Name Contribution Amount (RM) Default option fund as per age group Self-Selection Option Fund Name Contribution Amount (RM) Total Amount Sales Charge (%) Sales Charge (%) - Contributions are subject to sales charge and Private Pension Administrator's Account Opening Fee as disclosed in the Disclosure Document. AGREEMENT ON PERSONAL DATA AND INFORMATION My personal data and information shall be governed by the Terms and Conditions set out in the Privacy Policy on page 8 of this Account Opening and Application Form, as may be amended or supplemented from time to time. I hereby acknowledge that I have been notified and that I have read and understood such Privacy Policy and accepts the terms and conditions therein. a. b. c. d. DECLARATION & SIGNATURE I acknowledge that I have received, read and understood the Disclosure Document(s) for the Fund(s) to be invested in, supplementary Disclosure Document(s) (if any), and the terms and conditions stipulated in (i) the PRS Provider's website ( (ii) the PPA's website ( and (iii) the terms and conditions of this form and I undertake to be bound by them for my initial and subsequent transactions with the PRS Provider. I acknowledge that the same have been explained to me by my PRS Provider and/or registered PRS consultant. I declare that the particulars given herein are true, correct and complete and that I have not withheld any material facts or information which may influence the acceptance of this application. I am aware of the fees and charges that will be incurred by me directly or indirectly when investing in the PRS fund(s). I agree to have my PRS contribution deducted monthly from my salary by my employer. I hereby give consent to the PRS Provider to disclose to my PRS consultant(s) my acount information for the purpose of providing on going services. Yes No Applicant's Signature Date Page 2 of 11

3 5. DETAILS OF CONTRIBUTING EMPLOYER (if applicable) 5.1 Company Registered Name (as in Cerrificate of Incorporation) 5.2 Company / Registration No. 5.5 Contact Person : 5.3 Date of Registration / Incorporation D D M M Y Y Y Y 5.6 Designation : 5.4 IRB No. 5.7 Contact No : (Name) Correspondence Address : Postcode City State EMPLOYER DECLARATION I hereby confirm that the applicant is an employee and that his/her name and NRIC number are correct as per our HR records. Signature Name / Position Company's Stamp Date Kenanga Investors Berhad (Co. No.: P), Suite 12.02, 12th Floor, Kenanga International, Jalan Sultan Ismail, Kuala Lumpur. Member Services Centre T: PRS(1777) F: E: OnePRS@kenanga.com.my Page 3 of 11

4 Kenanga Investors Berhad Company No P PPA Member: New Existing Channel: PRS Consultant (Provider) Institutional PRS Adviser Corporate PRS Distributor PRS Account No: PART 2 - MEMBER ACCOUNT OPENING AND APPLICATION FORM You must be 18 years and above as at the date of this application. Please provide a clear copy of your NRIC or Passport. Please complete this Form in BLOCK Letters and ( ) where appropriate, in BLACK ink. This form is to be completed by members who wish to invest in the funds for which Kenanga Investors Berhad herein known as 'the PRS Provider' acts as the PRS Provider. You must read and understand the contents of the relevant Disclosure Document(s) before completing this form. You shall be bound by the Terms and Conditions in this form upon our acceptance of your application. All fields are mandatory and must be completed. 1. PARTICULARS OF APPLICANT 1.1 Full Name: (as per NRIC/Passport) 1.2 Salutation: Mr. Mrs. Ms. Others 1.3 Marital Status: Single Married Others 2. CORRESPONDENCE ADDRESS AND CONTACT DETAILS 2.1 Correspondence: PRIVATE RETIREMENT SCHEME (PRS) INDIVIDUAL ACCOUNT OPENING FORM PPA Account No: 1.4 NRIC No. (Malaysia): Passport No. (Foreigners): P P A 1.6 Date of Birth: D D / M M / Y Y Y Y 1.7 Gender: Male Female 1.8 Age: 1.9 Ethnicity: Bumiputera Chinese Indian Others 1.10 Nationality: Malaysian Others 1.11 Education level SPM STPM Diploma Degree Postgraduate Others: 1.12 For US Residents only. US Taxpayer ID No.: 1.13 Occupation: 1.14 Mother's Maiden Name: 1.15 If business owner, state nature of business 1.16 Household Income: Up to RM 1,500 RM1,501-RM3,000 RM3,001-RM5,000 RM5,001-RM8,000 RM8,001-RM15,000 RM15,001-RM20,000 RM20,001-RM50,000 RM50,001-RM100,000 RM100,001-RM200,000 > RM200,000 Postcode: City State 2.2 Contact No.: Mobile Office Home By virtue of you providing your address, you are deemed to have consented to receive communication, information, reports, statements etc from Kenanga Investors Berhad in relation to your investments via . All information delivered via to applicant 2.3 Address: are deemed sent and received on the date such is sent. 3. CONTRIBUTION DETAILS 3.1 Individual Contribution: 3.2 Options: Employed Self-Employed Default Shariah OnePRS Default OnePRS Not Applicable Self-Selection 4. CONTRIBUTION DETAILS (choose between Default or Self-Select Option) Default Option Fund Name Contribution amount (RM) Default option fund as per age group Self-Selection Option Fund Name Contribution amount (RM) Total Amount Sales charge (%) 1.50 Sales charge (%) - - Contributions are subject to sales charge and Private Pension Administrator's Account Opening Fee as disclosed in the Disclosure Document. AGREEMENT ON PERSONAL DATA AND INFORMATION My personal data and information shall be governed by the Terms ad Conditions set out in the Privacy Policy on page 8 of this Account Opening and Application form, as may be amended or supplemented from time to time. I hereby acknowledge that I have been notified and that I have read and understood such Privacy Policy and accepts the terms and conditions therein. DECLARATION & SIGNATURE a. I acknowledge that I have received, read and understood the Disclosure Document for the Fund(s) to be invested in, Supplementary Disclosure Document(s) if any, and the terms and conditions stipulated in (i) the Provider's website ( (ii) the PPA's website ( and (iii) the terms and conditions of this form and I undertake to be bound by them for my initial and subsequent transactions with the PRS Provider. I acknowledge that the same have been explained to me by my Provider and/or registered PRS consultant. b. I hereby declare that the particulars given herein are true, correct and complete and that I have not witheld any material facts or information which may influence the acceptance of this application. c. I am aware of the fees and charges that will be incurred by me directly or indirectly when investing in the PRS fund(s). d. I declare that I have not been convicted by any court for any criminal offence whether within or outside Malaysia. Private Pension Administrator Malaysia (PPA) The Private Pension Administrator (PPA) is a body approved under section 139C of the Capital Market and Services Act 2007 to perform the function of record keeping, administration and customer service for members and contributors in relation to contributions made in respect of a private retirement scheme. All PRS applicants are required to open an account with the PPA and upon successful creation of the respective account, the PRS applicants are subsequently referred to as PPA members. I hereby give consent to the PRS Provider to disclose to my PRS consultant(s) my acount information for the purpose of providing on going services. Yes No Applicant's Signature Date Page 4 of 11

5 5. PAYMENT DETAILS 5.1 Payment by Personal Cheque / Bank Draft / Money Order Cheque / Bank Draft No. Name of Bank Bank Branch Cheque / Bank Draft Amount (RM) (inclusive of bank charges) - Payment by Telegraphic Transfer (TT) TT No. 5.2 Regular Contribution Minimum amount to debit per monthly transaction (RM) - Monthly deduction date 15th of every month 28th of every month Bank account number: Bank name Bank Branch First successful MEPS-FPX/Direct Debit deduction is subject to your Bank's approval. Deduction will only take effect if the payment approval date is 5 working days before monthly deduction date. With your payment instruction above, the PRS Provider will instruct the Bank to debit your account for the above payment and the PRS Provider will charge and deduct an administration fee of up to RM0.80 for every successful payments using MEPS-FPX / Direct Debit from your contribution. Please refer to 'General Terms and Conditions - MEPS -FPX / Direct Debit Authorisation' in this form for more details. FOR PRS CONSULTANT / BANK USE FOR OFFICE USE Consultant / Staff Name : Date & Time Received : Branch : Transaction Date : Contact No : Verified by & Date : Date : Checked by & Date : A. GENERAL TERMS AND CONDITIONS applicable to PRS Providers and PPA (Governed by and construed in accordance with laws of Malaysia). 1) Account Opening a) The Applicant shall be bound by these terms and conditions, the Disclosure Document, the Supplementary Document(s) (if any) and also the terms and conditions stated in this application form and the webpage of the PRS Provider and the Private Pension Administrator ( PPA ). For further information about the PRS Scheme or Funds with the PRS Provider, please refer to PRS Provider s webpage at ( and for further information about PPA, please refer to PPA s webpage at b) The PRS Provider and/or PPA shall be entitled at any time and without prior reference to the Applicant to add, vary or amend any or all of the terms and conditions herein at its sole and absolute discretion. c) Upon submission of this form as well as other supporting documents, the information contained therein will be used by the PRS Provider and PPA for creation of account and record purposes. d) The PRS Provider and PPA shall have the absolute discretion in the opening of an account. e) All instructions and/or information given in writing to the PRS Provider and/or PPA, including this form are binding on the Applicant. 2) Personal Data / Information Personal data provided by the Applicant on the application form and details of transactions or dealings by the Applicant provided from time to time thereafter may be used and / or disclosed by the PPA/ PRS Provider and / or the PPA/ PRS Provider personnel for the following purpose:- a) The use and/or disclosure of the Applicant s personal information to any party where necessary for the completion of any transaction, dealings or in connection with services that the PPA/ PRS Provider may provide to the Applicant; b) If required by the applicable laws, regulations, directives, guidelines, regulatory authorities, government authorities and/or court of competent jurisdiction; and c) To any PPA s / Kenanga Investors delegates, service providers or any third party that the PPA / Kenanga Investors may engage on the basis that the recipient would continue to maintain confidentiality of the PPA s members personal information; d) Members are also advised to read the PPA / Kenanga Investors Privacy Policy. 3) Change of Contact Details It shall be the Applicant s obligation to notify the PRS Provider and PPA of any change in Applicant s address, or contact number immediately to ensure continuity in the receipt of communication from the PPA. 4) Anti-Money Laundering The Applicant hereby warrants that:- a) No person other than the Applicant has or will have any interest in the account (where applicable); and b) All monies as may be paid to the PRS Provider and/or PPA from time to time shall come from a legitimate (and not illegal) source; c) The Applicant agrees to provide all such information and documents as may be necessary to verify the Applicant s identity and do all such acts and things as may be necessary to enable the Provider and/or PPA to comply with all applicable anti-money laundering and counter financing terrorism (AML/CFT) and the governing law, rules and regulations (whether in Malaysia or elsewhere). The Applicant agrees that the PRS Provider and/or PPA shall not be liable or responsible in anyway whatsoever and shall be held harmless against any loss arising as a result of or in connection with any delay or failure to process any application or transaction if such information or documents requested by the PRS Provider and/or PPA have not been promptly provided by the Applicant to the PRS Provider and/or PPA. d) The PRS Provider and/or PPA reserves the right to terminate the relationship if any documents requested pursuant to the AML/CFT requirements are not received within 14 days. B. PPA'S TERMS AND CONDITIONS 1) The PPA members have been informed of the fees payable to the PPA. The PPA fees payable to the PPA are as follow:- a) Account opening fee (RM10) b) Annual fee (RM8). Not payable for the year the account is opened and not payable on the year(s) where no contributions are made. c) Administration fee of 0.04% of the Fund s NAV charged to the funds by PRS Provider. Effective 1 April 2015, Goods and Services Tax (GST) will be applicable to the PPA fees stipulated above. The above fees, inclusive of applicable GST amount, may be collected by the PRS Provider acting on behalf of the PPA. For further information on the PPA's fees and charges, please refer to 2) PPA reserves the right after 6 months of notification to the member to close a PPA account that does not reflect any balance in the PPA account due to the following reasons:- a) Full amount withdrawn (upon attaining retirement age) / permanent departure and account has zero units for 6 months; or b) Upon release of the deceased member s funds to beneficiaries / nominees / next-of-kin pursuant to a Letter of Administration or Grant of Probate. 3) Variation The PPA shall be entitled at any time and without prior reference to the PPA members to add, vary or amend any or all of the terms and conditions herein and/or the PPA s website and/or the joint application form at its sole and absolute discretion. C. PRSPROVIDER'S TERMS AND CONDITIONS 1) Mode of payment for the contribution a) The Applicant is required to submit this form together with the payment for the contribution and/or proof of payment. All payments made must be honoured. i) Cash-Required to submit a copy of the cash deposit stating the Applicant s name and identification card number / PPA account number as proof of payment. ii) Cheque-Required to submit a copy of the cheque deposit slip stating the Applicant s name and identification card number / PPA account number as proof of payment. iii) Online/Telegraphic Transfer--Required to submit a copy of the online / telegraphic transfer statement as proof of payment. b) If an application is rejected, the payment made will be returned (without interest) by the PRS Provider by cheque or by telegraphic transfer (at the cost of the Applicant) within 10 business days from the date of application. c) The PRS Provider shall not in any way be liable to pay interest to the Applicant for any monies held by the PRS Provider for any reason(s) whatsoever. 2) Investment Choice The Applicant may choose to invest using the default or self-selective options. If the Applicant does not select a fund under the scheme, all contributions to the scheme will be automatically allocated in accordance with the default option, which means that the contributions will be allocated for the purchase of units in the following core funds depending on the Applicant's age at the time of contribution. For members that are investing under the default option, they will be notified in writing at least 1 month before attaining the age of 40 or 50 as the case may be, that their investments in the core funds will be automatically switched in accordance with the rules of the default option unless the PRS Provider has been instructed otherwise. Page 5 of 11

6 PRE-INVESTMENT FORM (PRS) ATTENTION PRIVATE RETIREMENT SCHEME ("PRS") MEMBERS IMPORTANT Your PRS Consultant (PRSC) is required to explained all of the following to you : Signing this form does not preclude you from taking action against relevant party/parties under any circumstances Do You Know? Yes ( ) / No (X) 1. You can buy units of funds under PRS through a PRS Consultants of PRS Providers (PRSC), Institutional PRS Advisers (IPRA), Corporate PRS Advisers (CPRA) or online,but each has different sales charge and level of service. Choose the one that best suits your needs. 2. a. Each contribution made to any fund under a PRS will be split and maintained in sub-accounts A and B 70% of each contribution made to any fund under PRS reflected in units is maintained in sub-account A while sub-account B holds 30% of each contribution to any fund under PRS as reflected in units. b. Prior to retirement, you can only withdraw (partially of fully) from sub-account B once a year and upon payment of tax penalty of 8% of the withdrawal amount. The once a year pre-retirement withdrawal may be from one or multiple scheme of different Providers. The first withdrawal from a PRS Provider however can only be requested one year after a member has contributed to any PRS of the PRS Provider. c. Full withdrawals can be made upon reaching the retirement age or following death or permanent departure of a member from Malaysia. 3. If you may request to transfer your holdings from one PRS Provider to another, you will have to pay a transfer fee and may probably have to pay a sales charge and/or redemption charge. You can only perform one transfer per year. The first transfer from a PRS Provider can only be requested by a member one year after making the first contribution to any PRS of that particular PRS Provider. There are two types of transfer that is permitted: a. From one PRS Provider to another PRS Provider (one to one transfer); b. Consolidation of all holdings from different PRS Providers to one PRS Provider (many to one) 4. If you switch from one fund to another managed by the same PRS Provider, it is likely that you may not have to pay any sales charge. Ask about switching before you redeem. 5. Different types of funds under a PRS carry different levels of risk. Some are higher in risk than others. Ask about the risks before contributing in a PRS. Make sure you know what your fund is investing in. 6. If you are a first time contributor in a PRS of any of the Providers, you may be eligible for cooling-off rights, whereby you can change your mind within six (6) business days after contributing and withdraw your contribution in the PRS. Ask about your eligibility for cooling-off. You Should Also Know? a. Only registered PRS Consultants are allowed to sell PRS. Your PRS Consultant should show you a valid authorization card confirming that he/she is registered with the Federation of Investment Managers Malaysia (FIMM). b. A PRS may only be offered to the public if it is approved by the Securities Commission Malaysia (SC). Go to or for a list of PRS currently available in the market or call (SC) or (private pension administrator) for assistance. c. When you express an interest in making a contribution to a PRS,you should be given the latest copy of the product highlight sheet for free. d. Before you contribute to a PRS, you should be given the latest copy of the disclosure document for free. Read the disclosure document carefully; understand its contents before contributing. e. You may have to pay direct and indirect fees and possibly other charges too. Ask about applicable fees. f. If you have concerns or complaints about any PRS, you can contact FIMM at ( or the Investor Affairs & Complaints Department of the SC at g. You should not make payment in cash to the PRS Consultant or issue a cheque in the name of PRS Consultant. Member's Confirmation I confirm that the PRS Consultant has explained all the points contained in this form to me. Applicant Signature Name NRIC / Identification Number / Passport No. Date PRS CONSULTANT S DECLARATION I declare that I have explained the points contained in this form and the members understands them. Signature Name NRIC / Identification Number / Passport No Registered as PRSC of PRS Provider/ IPRA / CPRA *(delete where not applicable) Page 6 of 11

7 GENERAL TERMS AND CONDITIONS Please read these notes before completing the Account Opening & Application Form as you are bound by them. You must read and understand the contents of the relevant Product Highlights Sheet(s) and Disclosure Document(s) before completing this form. A copy of the Deed will be made available to you upon request. Please check that the PRS Distributor / Consultant servicing you has a valid authorisation and registration card. Pursuant to Regulation 7(1) of the Capital Markets and Services (Private Retirement Scheme Industry) Regulations 2012, this application form should not be circulated unless accompanied by the Disclosure Document. One PRS Scheme Core Funds Kenanga OnePRS Conservative Fund Kenanga OnePRS Moderate Fund Kenanga OnePRS Growth Fund Non-Core Fund(s) Kenanga OnePRS Shariah Equity Fund Shariah One PRS Scheme Core Funds Kenanga Shariah OnePRS Conservative Fund Kenanga Shariah OnePRS Moderate Fund Kenanga Shariah OnePRS Growth Fund Eligibility Applicant must be at least 18 years of age at the date of application. OnePRS account All contributions made to the OnePRS Scheme and/or Shariah OnePRS Scheme will be allocated and maintained in 2 sub-accounts: a) Sub-account A - 70% of all contributions made to any fund within the OnePRS Scheme and/or Shariah OnePRS Scheme cannot be withdrawn until the member reaches the retirement age; b) Sub-account B - 30% of all contribution made to any fund within the OnePRS Scheme and/or Shariah OnePRS Scheme can be withdrawn once a year upon payment of a tax penalty. The PRS Provider would need to deduct the applicable tax penalty of 8% from the withdrawn amount before making payment to you. Fund selection Applicant is entitled to select to invest into the following options: a) Default option - where an Applicant does not select a fund under the PRS, the PRS provider will automatically allocate the contribution into the default selection option that corresponds to the age of the member, as specified below: Age Below 40 years 40 years and above but have not yet reached 50 years 50 years and above OnePRS Scheme Default Option Kenanga OnePRS Growth Fund Kenanga OnePRS Moderate Fund Kenanga OnePRS Conservative Fund b) Self-Selection Option - where an applicant decided to invest according to his/her risk and return profile. Minimum initial and additional contribution amount Initial Contribution* Top-up* Lump sum / one off contribution RM1,000 RM100 Monthly regular contribution RM100 RM100 * or such other amount as the PRS Provider may decide from time to time. Fee payable to Private Pension Administrator (PPA) Disclosure Document dated and Supplemental Disclosure Document(s) (if any) dated Disclosure Document dated and Supplemental Disclosure Document(s) (if any) dated Disclosure Document dated and Supplemental Disclosure Document(s) (if any) dated Shariah OnePRS Scheme Default Option Kenanga Shariah OnePRS Growth Fund Kenanga Shariah OnePRS Moderate Fund Kenanga Shariah OnePRS Conservative Fund The following fees and charges will be collected for our onward payment to PPA. Exclusive of Goods and Services Tax as imposed by the government or other authorities from time to time. a) PPA account opening fee: RM10. b) PPA annual fee: RM8. Not payable for the year the account is opened and not payable on the year(s) where no contributions are made c) Administration fee of 0.04% of the Fund s NAV Charged to the funds by PRS Provider. Lump sum contribution Payment for contribution may be made at any regional branch offices. Units will be transacted based on forward pricing prevailing at the time the request is received by the PRS Provider. Units will be credited based on the closing NAV price of the day. Direct Debit / MEPS-FPX Authorisation Upon bank s approval of the Direct Debit / MEPS-FPX application, units will be credited based on the closing NAV of the deduction day.this authorisation will remain in force until terminated by the Bank swritten notice sent to the unit holder saddresses last known to the Bank or upon the Bank receipt of unit holder s written revocation. The applicant hereby agrees to be responsible for all the consequences that may arise in the PRS Provider agreeing to provide the Direct Debit / MEPS-FPX and hereby undertake and agree to indemnify the PRS Provider at all times, and keep the PRS Provider fully and completely indemnified from and against any and all actions, claims and demands whatsoever that may arise with Direct Debit / MEPS-FPX authorisation. Documents required The Applicant shall provide the following documents: a) For initial contribution, a duly completed Account Opening & Application Form and PPA Account Opening Form must be forwarded together with NRIC (photocopy of both sides) / passport. b) For top-up (additional contribution) / additional fund purchase, please ensure the OnePRS account number, name and NRIC number are written on the Transaction Form. The Applicant agrees that the PRS Provider shall not be liable or responsible in anyway whatsoever and shall be held harmless against any loss arising as a result or in connection with any delay or failure to process any application or transaction; if such information or document requested by the PRS Provider have not been promptly provided by the Applicant to the PRS Provider. Set Off The PRS Provider is entitled to set off any monies in relation to the account against any fees, or charges permitted to be charged under the Disclosure Documents and/or any regulations and guidelines, due to the PRS Provider from time to time. Liability The PRS Provider shall act in good faith and using the highest standard of skill and care and exercise all due diligence and vigilance expected from a reputable fund PRS Provider, the PRS Provider shall not be liable for any liabilities, claims, loss, damage or litigation costs resulting from any error of factor judgment or from action taken by the PRS Provider so long as there has been no willful default or bad faith on its part. For the purpose of carrying out its duties under this Terms and Conditions the PRS Provider shall have the powers of a natural person to deal with the Fund and/ or Portfolio and to do all things and execute all documents necessary for the purpose of managing the Fund and/ or Portfolio. Indemnity The Applicant hereby agrees to indemnify the PRS Provider, Scheme Trustee and any of their PRS Consultant(s) against any damages, loss, costs, expenses and claims which may be made against the PRS Provider, Scheme Trustee and any of their PRS Consultant(s) in connection with: (i) the Member Account Opening & Application Form; or (ii) in connection with the PRS Provider accepting, relying on or acting on any instructions given by or on behalf of the Applicant, except due to the wilful default or negligence of the PRS Provider. Money Laundering Statements Applicant hereby warrants that all monies as may be paid to the PRS Provider from time to time shall come from a legitimate (and not illegal) source. Loan Financing Statement Contributing in a private retirement scheme with borrowed money is more risky than investing with your own savings. You should assess if loan financing is suitable for you in light of your objectives, attitude to risk and financial circumstances. You should be aware of the risks which would include the following: i. The higher the margin of financing (that is, the amount of money you borrow for every Ringgit of your own money which you put in as deposit or down payment) the greater the loss or gain on your investment. ii. You should assess whether you have the ability to service the repayments on the proposed loan. If your loan is a variable rate loan, and if interest rates rise, your total repayment amount will be increased. iii. If unit prices fall beyond a certain level, you may be asked to provide additional acceptable collateral (where units are used as collateral) or pay additional amounts on top of your normal instalments. If you fail to comply within the time prescribed, your units may be sold towards the settlement of your loan. iv. Returns on investment are not guaranteed and may not be earned evenly over time. This means that there may be some years where returns are high and other years where losses are experrienced. Whether you eventually realise a gain or loss may be affected by the timing of the sale of your units. The value of units may fall just when you want your money back even though the investment may have done well in the past. This brief statement cannot disclose all the risks and other aspects of loan financing. You should therefore carefully study the terms and conditions before you decide to take a loan. If you are in doubt about any aspect of this Risk Disclosure Statement or the terms of the loan financing, you should consult the institution offering the loan. Rights of the PRS Provider a) The PRS Provider reserves the right to accept or reject any application. b) The PRS Provider reserves the right to accept or reject any application if any documents requested pursuant to the AML / CFT requirements are not received within 14 business days. In the event of rejection, units will be redeemed at the closing NAV price on the 15th business day. c) The PRS Provider reserves the right to terminate any relationship without assigning reasons in respect thereof. d) The PRS Provider reserves the right to decide and make any changes to the Terms and Conditions. Payment, Confirmation Advice and Statements Payment, confirmation advices, statements and other documents shall be sent at the risk of the applicant to the principal applicant's correspondence address as stated in this Account Opening & Application Form. If the applicant fails to notify the PRS Provider in writing of any errors in the confirmation advice within 14 days, or in the statement within 14 days of issue, theapplicant shall bedeemed to have waived any right to raise an objection or to pursue any remedies against the PRS Provider or the Scheme Trustee Goods and Services Tax All fees and charges payable to the Manager and the Trustee are subject to goods and services tax as may be imposed by the government or other authorities from time to time. Page 7 of 11

8 MEMBER'S COPY ACKNOWLEDGEMENT TO MEMBER D. RECOMMENDATIONS No Funds Basis of recommendation Consultant's Name : 1 2 Consultant's Signature: Date : E. DECLARATION I agree to provide all the information requested in this form I decline to complete this form and I further confirm that any transaction I have decided to make is based on my own judgment. I confirm that the information provided herein is accurate, correct and true. I acknowledge that I have received the Product Highlights Sheet and / or Disclosure Document. I acknowledge that my Consultant has explained the abovementioned PRS fund(s) to me and I am fully aware of the PRS scheme features, direct and in-direct fees and charges as well as applicable investment risks. I understand my risk profile and the above recommendation. I agree with the recommendation. I choose to purchase a fund not recommended by my Consultant. Applicant's Signature : Date : Name : WARNING : THE RECOMMENDATION IS MADE BASED ON INFORMATION OBTAINED FROM THE SUITABILITY ASSESSMENT. INVESTORS ARE ADVISED TO EXERCISE JUDGMENT IN MAKING AN INFORMED DECISION IN RELATION TO THE UNLISTED CAPITAL MARKET PRODUCT. PRIVACY POLICY This Privacy Policy describes the Client s personal data and information that Kenanga Investors Berhad ( KIB ) collects, and the handling of such Client Data. The term Client wherever appearing in this Privacy Policy shall refer to KIB s Clients as well as prospective clients or persons applying for any services, accounts or products from KIB. The Client s personal data and information such as contact details, background information, financial data and other information ( Client Data ) which the Client had previously provided to KIB when the Client applies for an account or any other products or services with KIB or where KIB obtains such Client Data from third parties or other organisations, when the Client uses KIB s online services or accesses any of KIB s websites. KIB may also have obtained the Client Data by analyzing the way the Client uses and manages the Client s account(s), from the payment and transactions made or from any recording. Use and Disclosure of Information KIB may use, process and/or disclose the Client Data for the following purposes ( Purpose ):- prevention, prosecution, investigations of fraud or other illegal activity or potential illegal activity, or to conduct investigations of violations of any governing terms and conditions; requirements of a civil or criminal legal process and/or as required by law or regulation and/or for regulatory compliance purpose; disclosure to the government of the United States of America (US), Inland Revenue Service of US, and any other relevant government or authorities, for and in relation to the compliance of the requirements under the Foreign Account Tax Compliance Act 2010 (FATCA); disclosure to K&N Kenanga Holdings Berhad Group of Companies for the purpose of, including but not limited to, provide their respective services/products to the Client, whether upon the Client s request or otherwise. to share the information with trusted business partners for the provision of their services; acquisition, merger, transfer of assets/business, assignment of rights/liabilities to another company; credit reference and other organisations who may use and give out information to other lenders and insurers; to vendors, suppliers, counterparties, persons who provide a service to KIB or are acting as KIB s agents; to compare information/data for accuracy, and verify it with third parties; research and improve K & N Kenanga Holdings Berhad Group of Companies products and services, operational and business processes; marketing and promotions of products and services of K & N Kenanga Holdings Berhad Group of Companies; transfer to foreign jurisdictions to enable any cross border transactions, for the performance of a contract, any legal proceedings, request from a foreign regulatory or government authority, protection of vital interest of the Client or where it is in the public interest to do so; protecting K&N Kenanga Holdings Berhad Group of Companies interests and other ancillary or related purposes. The Client may have provided personal and financial information relating to others (ie: joint applicant, related parties and/or emergency contact persons) for the Purpose. In such cases, the Client warrants that the Client had or has their consent or is otherwise entitled to provide their information to KIB. Where the Client Data has been provided to Bursa Malaysia Securities Berhad, its holding company or related corporations for any of the Purpose, the Client hereby agrees for the processing of the Client Data by Bursa in accordance with the terms of the Bursa s personal data notice as provided under Access to Information The Client is entitled to review and request correction of the Client Data. Should the Client wishes to exercise this right, please write to KIB s Data Officer setting out the details of the Client s request and all the Client s Account numbers (if applicable), name and NRIC/Passport number. A fee may be charged for this service. Options On Disclosure KIB allows the Client the opportunity to remove itself and any information about the Client (save for information which is necessarily retained by KIB to comply with legal or regulatory requirements) from KIB s database or require KIB to cease processing all or part of the Client s Data by submitting a written notification addressed to KIB s Data Officer. However, in such an event, KIB reserves the right to close the Client s Account(s) if KIB feels that such removal or cessation would not allow KIB to provide its products and services in a satisfactory manner. Enquiries and Complaints Any queries, requests, concerns or complaints regarding the use of the Client s Data may be raised to the following contact:- Data Officer Kenanga Investors Berhad, 12th Floor, Kenanga International, Jalan Sultan Ismail, Kuala Lumpur. Contact Number: In applying for, using or continuing to use KIB s services, the Client shall be deemed to have accepted and consented to the terms of this Privacy Policy, including any updates or revisions. If the Client does not consent to the terms herein, kindly contact KIB at the abovementioned contact details. Changes to KIB s Privacy Policy KIB reserves the right to change the contents of this Policy at any time via notification posted on KIB s website. The Client is advised to periodically view KIB s website for any updates or the most current version of KIB s Privacy Policy. Page 8 of 11

9 Account opening form Supplementary form for individuals (FATCA) This form must be completed by any individual who wishes to open an account. SECTION A: Individual information Name: IC/passport number: Country of birth: SECTION B: Declaration Please check one of the following:: I represent and declare that I am a: U.S. Person (1) (citizen or resident of the United States or holds a U.S. green card or a U.S. passport) - Please fill up Form W-9 Non U.S. Person Please check only if applicable: (1) I hereby confirm that I am born in the U.S but I m not a U.S. Person. I do not have the Certificate of Loss of Nationality, because I have: (a) Lost this certificate, or (b) Other reason, (please describe) (2) I hereby confirm that my residential place is in Malaysia and the only address I have for correspondences is a P O Box ( hold Declaration mail ) or in-care-of address. I represent and declare that the information provided above is true, accurate and complete. I understand that the term "U.S. person (1) " means any citizen or resident of the United States, and shall include the definition below. I hereby consent for K & N Kenanga Holdings Berhad, or any of its affiliates, including branches (collectively the Bank ) to disclose/report my information to any person, including the regulatory authorities in accordance with the requirements of Foreign Account Tax Compliance Act 2010 ( FATCA ) as may be stipulated by applicable laws, regulations, agreement or regulatory guidelines or directives. I hereby consent that the Bank may withhold from my account(s) such amounts in accordance with the requirements of FATCA as may be stipulated by applicable laws, regulations, agreement or regulatory guidelines or directives. If there is any change in information provided to the Bank that makes me a U.S. person, or a recalcitrant (person who fails to comply with reasonable requests for information to determine if this account belongs to a U.S. person), the Bank has the right to terminate my account(s) and/or facilities granted to me. I undertake to notify the Bank in writing within 30 calendar days if there is a change in any information which I have provided to the Bank. SECTION C: APPLICANT S SIGNATURE Name Signature Date Definitions (1) The term U.S. person or United States person means a person described in section 7701(a)(30) of the Internal Revenue Code: (A) a citizen or resident of the United States, (B) a United States partnership, (C) a United States corporation, (D) any estate (other than an estate the income of which, from sources without the United States which is not effectively connected with the conduct of a trade or business within the United States, is not includible in gross income under the Internal Revenue Code), and (E) any trust if (a) A court within the United States is able to exercise primary supervision over the administration of the trust, and (b) One or more United States persons have the authority to control all substantial decisions of the trust. Page 9 of 11

10 Account opening form Supplementary form for individuals (FATCA) FOR OFFICE USE Part I Documentation checklist To fill up below only if customer has declared as being Non-U.S. person above. (To be completed by sales representative / branch) Checklist below to be considered in conjunction with all documents & forms collected from customers (including this form). FATCA checklist Passport Customer has not provided a U.S. passport. Nationality Customer does not have U.S. citizenship. Non U.S. Passport Customer s country of birth is not in the U.S. Note: If country of birth is in U.S., check that the customer has either: 1) Provided a Certificate of Loss of Nationality or 2) Checked the declaration (1) in Section B above. Address (i) Customer has not provided a permanent address or mailing address within the U.S. (ii) Customer has not provided, as the only address for this account, a: PO Box ( hold mail ) or in care of address Note: Please select for this checklist, only if the customer has checked the declaration (2) in Section B above, that the only address the customer has, is a: PO Box ( hold mail ) or in care of address Telephone number Customer has not provided only a U.S. telephone number (country code +1). Others Customer has not provided any other indication of being U.S. citizen or resident. If, please list the identified indication: / Not confirmed Instruction: If any of the checklist on the left have answers, to request customer change declaration above to U.S. Person. If any of the checklist on the left have Not answers, to obtain Form W-8BEN from customer. Part II Confirmation and acknowledgement by sales representative / branch Based on the abovementioned declarations and assessments, the customer(s) FATCA classification is: 1. U.S. Person 3. Recalcitrant customer with U.S. Indicia. (Non U.S. Customers with U.S. Indicia who do not provide Form W-8BEN) 2. Non U.S. Person 4. Recalcitrant customer that is U.S. Person (U.S. Customers who do not provide Form W-9) I confirm that the required account opening checks have been performed for the customer listed above and the necessary documents have been provided to the customer, where applicable. Name: Signature: Date: Page 10 of 11

11 Account opening form Supplementary form for individuals (FATCA) Part III - Confirmation by operations / back office / branch Based on Part I and II above; I have reviewed and verified the information against the documents received and confirm that the necessary documents have been completed, where applicable. Name: Signature: Date: Part IV - Confirmation by operations / back office Based on Part I, II and III above; I have entered into the system, the customer(s) FATCA status accordingly as stated in Part II above. Name: Signature: Date: Page 11 of 11