TERMS & CONDITIONS FOR KFH MALAYSIA SURE SME ACCOUNT-i CAMPAIGN 2018 ( CAMPAIGN )
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1 TERMS & CONDITIONS FOR KFH MALAYSIA SURE SME ACCOUNT-i CAMPAIGN 2018 ( CAMPAIGN ) 1. CAMPAIGN PERIOD 1.1. The Campaign shall run from 5 February 2018 until 30 April 2018 (both dates inclusive) ( Campaign Period ) KFH Malaysia ( the Bank ) reserves its absolute right and discretion to vary or amend the Campaign Period at any time with prior notice, without assigning any reasons whatsoever. 2. ELIGIBILITY AND PARTICIPATION 2.1. The Campaign is opened to all Small Medium Enterprises ( SME ) ( Participants ) as endorsed by National SME Development Council (NSDC). The definitions for SME can be simplified under 2 categories as follow: a. Manufacturing: Sales turnover not exceeding RM50 million or full-time employees not exceeding 200 workers b. Services and other sectors: Sales turnover not exceeding RM20 million or full-time employees not exceeding 75 workers 2.2. Not applicable for individuals 2.3. All new customers and existing customers who opt to participate in this Campaign are required to open and maintain the following products ( Participating Product ) at any of the Bank s branches: a. KFH Sure SME Account-i ( Sure SME ) AND b. KFH Cash Management Solutions ( CMS ) 3. PARTICIPATING PRODUCT INFORMATION 3.1 KFH SURE SME Account-i KFH Sure SME Account-i is a current account exclusively for Small and Medium Enterprises ( SME ) that offers multi-tiered profit rates. Based on the Shariah concept of Murabahah (cost plus profit sale) and Tawarruq, the profit rate is made to known to customer upfront. As such the deposit is principally guaranteed as well as its profit. The Shariah Concept used are Murabahah (cost plus profit sale) and Tawarruq whereby a specific asset will be identified and used as an underlying asset for the sale and purchase transactions between the Bank and the Customer. Under this contract, Customer authorises the Bank to enter into a transaction on the Customer s behalf based on the agreed terms and conditions. The Bank as an agent will purchase the commodity from broker at spot value. The Bank will then offer to the customer to buy the commodity at cost plus profit where the principal will be paid immediately and the profit will be paid on the monthly basis. The Bank will then sell the commodity to another broker for settlement at spot value. 3.2 KFH Cash Management Solutions KFH Cash Management Solutions (CMS) is an internet banking portal specially designed for business that gives end-to-end financial solutions. It provides a secure access to your Bank accounts via the Internet and offers various online banking services from the convenience of your own office premises. Equipped with security features, you may now take control of 360 degrees over your account with peace of mind. Page 1 of 6
2 4. CAMPAIGN RATES 4.1. The Campaign rates is 0.15% p.a. higher than the board rates which are as follows: Deposit Amount Campaign Rate Normal Rate First RM50, % p.a. 1.25% p.a Next RM50,001 RM100, % p.a. 1.50% p.a Next RM100,001 RM250, % p.a. 1.75% p.a Above RM250, % p.a. 2.00% p.a 4.2. Example of profit calculation (based on the campaign rate) Profit Day 1= End-Day Balance X Profit Rate 365 Opening of Account: 26 January st Trading Date: 27 January 2018 Date End- Day Balance* (RM) Profit Calculation (RM) Daily Profit Accrued (RM) 27 January 40, ,000 x 1.40% /365 = January 60, January 120, January 200, January 500, ,000 x 1.65% /365 = ,000 x 1.90% /365 = ,000 x 1.90% /365 = ,000 x 1.90% /365 = 7.81 (+) 250,000 x 2.15% / 365 = TOTAL PROFIT (will be paid by end of the month) Note*: End-Day Balance is an available balance as at p.m. prior to Trading Date. For illustration purposes only. 5. General 5.1. The Bank reserves its absolute discretion to vary, delete or add to any of these Terms and Conditions contained herein wholly or in part, and may terminate or extend the Campaign Period by giving a maximum of twenty-one (21) calendar day s prior notice. The Bank may give such notice or communication to Participants through any modes or methods deem appropriate including without limitation by post, by notification in the mass media, by posting the notice in the Bank s branches, by inserting the notice into the periodic statement of account, by electronic transmission (including via facsimile, mobile phones, other devices or the internet) or by posting at the Bank s website or at ATM or other terminals under the control of the Bank. These Terms and Conditions can be accessed at kfh.com.my. Page 2 of 6
3 5.2. The Bank reserved the right to cancel terminate or suspend the Campaign for any reason whatsoever, without prior notice. For the avoidance of doubt, cancellation, termination or suspension of the Campaign by the Bank shall not entitled the Participants to claim or seek compensation against the Bank or any of its affiliates for any loss or damage suffered or incurred as a direct and indirect result of the act of cancellation, termination or suspension These Terms and Conditions shall prevail over any provisions or representations contained in any promotional materials (including without limitation, printed flyers or buntings), or any advertisements on this Campaign By participating in this Campaign, Participants are deemed to have read, understood and agreed to be bound by these terms and conditions and any decision of the Bank These Terms and Conditions shall be governed by and construed in accordance with the laws of Malaysia, and Participants therefore agree to submit to the exclusive jurisdiction of the courts in Malaysia Save an except for the specific Terms and Conditions stated herein for the said Campaign, all other terms and conditions governing the Bank s Participating Products shall continue to apply KFH Sure SME Account-i is eligible for protection by PIDM. Page 3 of 6
4 TERMA-TERMA & SYARAT-SYARAT UNTUK ( KEMPEN ) KFH MALAYSIA AKAUN SURE SME-i TEMPOH KEMPEN 1.1. Kempen ( Kempen ) ini bermula dari 5 Februari 2018 sehingga 30 April 2018, kedua-dua tarikh termasuk ( Tempoh Kempen ) KFH Malaysia ( Bank ) mempunyai hak dan budi bicara mutlak untuk mengubah atau meminda Tempoh Kempen pada bila-bila masa dengan notis terlebih dahulu, tanpa memberikan apa pun alasannya. 2. KELAYAKAN DAN PENYERTAAN 2.1. Kempen ini terbuka kepada Perusahaan Kecil dan Sederhana ( PKS ) ( Peserta yang Layak ) seperti yang diluluskan oleh Majlis Pembangunan PKS Kebangsaan ( MPPK ). Definisi untuk PKS secara mudah boleh dibahagikan kepada 2 katagori seperti berikut: a. Pembuatan: Jumlah jualan tidak melebihi RM50 juta atau pekerja sepenuh masa tidak melebihi 200 orang. b. Perkhidmatan dan lain-lain sektor: Jumlah jualan tidak melebihi RM20 juta atau pekerja sepenuh masa tidak melebihi 75 orang Individu tidak layak untuk menyertai Kempen ini Pelanggan baru dan sedia ada yang ingin mengambil bahagian dalam Kempen ini perlu membuka dan menyelenggara produk bank dibawah ("Produk yang mengambil bahagian") di cawangan yang berdekatan: a. KFH Akaun Sure SME-i ( Sure SME ) DAN b. KFH Cash Management Solutions ( CMS ) 3. MAKLUMAT PRODUK YANG MENGAMBIL BAHAGIAN 3.1. KFH Akaun SURE SME-i KFH Akaun Sure SME-i adalah akaun deposit semasa kadar tetap khas untuk perusahaan kecil dan sederhaan. Berlandaskan konsep Shariah Murabahah (kos campur keuntungan jualan) dan Tawarruq, kadar keuntungan diisytiharkan terlebih dahulu kepada Pelanggan. Oleh itu, amaun prinsipal dan keuntungan yang dideposit adalah dijamin. Konsep Syariah yang digunakan adalah Murabahah (kos campur keuntungan jualan) dan Tawarruq, di mana aset tertentu akan dikenal pasti dan digunakan sebagai aset transaksi bagi penjualan dan pembelian antara Bank dan Pelanggan. Di bawah kontrak ini, Pelanggan melantik Bank untuk memasuki urus niaga bagi pihak Pelanggan berdasarkan terma-terma dan syarat-syarat yang dipersetujui. Bank sebagai agen akan membeli komoditi tersebut daripada broker pada nilai lani. Bank kemudiannya akan menawarkan kepada Pelanggan untuk membeli komoditi pada harga kos campur keuntungan, di mana jumlah prinsipal akan dibayar serta-merta dan keuntungan akan dibayar secara bulanan. Bank kemudiannya akan menjual komoditi itu kepada broker lain pada nilai lani bagi tujuan penyelesaian KFH Cash Management Solutions KFH Cash Management Solutions adalah portal perbankan internet yang direka khas untuk memberikan penyelesaian kewangan yang lengkap untuk perniagaan anda. Ia menyediakan akses melalui Internet yang selamat kepada akaun Bank anda dan menawarkan pelbagai perkhidmatan perbankan dalam talian dari kemudahan premis pejabat anda. Dilengkapi dengan ciri-ciri keselamatan, dengan fikiran yang tenang anda kini boleh mengawal akaun anda secara keseluruhan. Page 4 of 6
5 4. KADAR KEUNTUNGAN KEMPEN 4.1. Kadar keuntungan kempen yang ditawarkan adalah 0.15% lebih tinggi daripada kadar keuntungan sediakala seperti berikut: Jumlah Deposit Kadar Kempen Kadar Normal RM50,000 yang pertama 1.40% setahun 1.25% setahun RM50,001 seterusnya 1.65% setahun 1.50% setahun RM100,000 RM100,001 seterusnya 1.90% setahun 1.75% setahun RM250,000 Melebihi RM250, % setahun 2.00% setahun 4.2. Contoh pengiraan kadar keuntungan (berdasarkan kadar keuntungan kempen): Keuntungan Hari Pertama = Baki Penutup X Kadar Keuntungan 365 Pembukaan Akaun : 26 Januari 2018 Tarikh Dagangan Pertama : 27 Januari 2018 Tarikh Baki Penutup* (RM) Kiraan Keuntungan (RM) Kiraan Keuntungan Harian Terakru (RM) 27 Januari 40, ,000 x 1.40% /365 = Januari 60, Januari 120, ,000 x 1.65% /365 = ,000 x 1.90% /365 = Januari 200, ,000 x 1.90% /365 = Januari 500, ,000 x 1.90% /365 = 7.81 (+) 250,000 x 2.15% / 365 = JUMLAH KEUNTUNGAN (akan dijelaskan pada hujung bulan) Nota*: Baki Penutup adalah baki sedia ada pada malam sehari sebelum Tarikh Dagangan Untuk tujuan ilustrasi sahaja. Page 5 of 6
6 5. AM 5.1. Pihak Bank mempunyai hak dan budi bicara mutlak untuk mengubah, memadam atau menambah manamana terma dan syarat yang terkandung di sini secara keseluruhannya atau sebahagiannya, dan mungkin menamatkan atau menambah tempoh kempen dengan memberikan sekurang-kurangnya minimum dua puluh satu (21) hari kalendar notis terlebih dahulu. Pihak Bank boleh memberi notis atau komunikasi tersebut kepada Peserta yang Layak melalui apa-apa cara atau kaedah yang difikirkan sesuai tanpa had termasuk melalui pos, melalui pemberitahuan dalam media massa, dengan menyiarkan notis itu di cawangan-cawangan Bank, dengan memasukkan notis itu ke dalam penyata akaun berkala, melalui penghantaran elektronik (termasuk melalui faksimili, telefon bimbit, peranti lain atau internet) atau dengan memaparkan notis di laman sesawang Bank atau di ATM atau terminal lain di bawah kawalan Bank. Terma dan syarat ini boleh didapati di kfh.com.my Pihak Bank mempunyai hak untuk menamatkan atau menangguhkan Kempen untuk apa jua sebab, tanpa sebarang notis. Untuk mengelakkan keraguan, sebarang pembatalan, penamatan atau penggantungan Kempen oleh Bank, peserta tidak akan berhak untuk menuntut atau mendapatkan pampasan dari pihak Bank atau mana-mana sekutunya bagi apa-apa kerugian atau kerosakan yang ditanggung secara langsung dan tidak langsung atas sebarang pembatalan, penamatan atau penggantungan Terma dan Syarat ini akan mengatasi mana-mana peruntukan atau representasi yang terkandung dalam sebarang bahan promosi (termasuk tanpa had, risalah atau banting dicetak) atau mana-mana iklan untuk produk ini Dengan menyertai Kempen ini, Peserta dianggap telah membaca, memahami dan bersetuju untuk terikat dengan Terma dan Syarat dan mana-mana keputusan pihak Bank Terma dan Syarat ini akan ditadbir oleh dan ditafsirkan selaras dengan undang-undang Malaysia dan dengan ini, Peserta bersetuju untuk menyerahkan kepada bidang kuasa eksklusif mahkamah di Malaysia Selain Terma dan syarat tertentu yang dinyatakan di sini, semua terma dan syarat yang mengawal produk Bank yang lain hendaklah terus terpakai KFH Akaun Sure SME-i layak dilindungi oleh PIDM. Page 6 of 6
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