Profit will be paid with principal for placements up to 1 year. The profit will be paid upon maturity.
|
|
- Vincent Carson
- 6 years ago
- Views:
Transcription
1 PRODUCT DISCLOSURE SHEET (Please read and understand this Product Disclosure Sheet together with the general terms and conditions governing the Commodity Murabahah Money Market Deposit (CMMMD-i) 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.) COMMODITY MURABAHAH MONEY MARKET DEPOSIT (CMMMD-i) Date: [to be filled by Relationship Manager] 1. What is this product about? Commodity Murabahah Money Market Deposit-i (CMMMD-i) is an Islamic Money Market deposit product with a tenure up to 1 year and its profit is payable upon maturity. This deposit is covered by the Malaysia Deposit Insurance Corporation (PIDM). 2. What is the Shariah concept applicable? The Shariah concept applicable to this product is Commodity Murabahah via Tawarruq arrangement. Commodity Murabahah is a sale of certain specified commodities, through an exchange, on a cost plus profit basis. Meanwhile, Tawarruq refers to an arrangement that consists of two sale and purchase contracts. The first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash and spot basis or vice versa. 3. What do I get from this product? Currency Amount (Minimum Deposit/ Placement) Tenure Deposit/ Placement Method Profit Rates Multi-currency. The minimum placement is RM 100, with no minimum incremental value. Minimum 1 day. Placement/ deposit can be made via transfer deposit from Current Account and Realtime Electronic Transfer of Funds and Securities System (RENTAS). Negotiable based on prevailing Islamic Interbank rate. Frequency of Payment Profit will be paid with principal for placements up to 1 year. The profit will be paid upon maturity. Profit Calculations Day count convention: No of days in a year may be 365 days or 360 days based on the applicable day count convention of the base currency. Profit amount calculations: Profit Amount = Deposit Amount Profit Rate Tenure (days) Day count convention Principal Protection The principal is protected under PIDM up to RM 250, What are the other key terms and conditions of this product that I should know? Auto Renewal Placement of Fund Auto renewal is not allowed. However, the bank may rollover your placement upon maturity based on your written request and subject to an underlying commodity murabahah trade during the rollover. You have to maintain sufficient funds at all time for CMMMD-i in your settlement account. If the account is insufficient of funds during the debiting, the placement will be automatically cancelled. Last updated: August / 6
2 Premature Upliftment/ Early Redemption Application Procedures You are not encouraged to make any premature withdrawal (partial or full) under this product. If you request for the payment before the deferred payment date, you are hereby acknowledge and agree to relinquish all or a part of the profit comprised in the Deferred Sale Price. a) You have to forward the account opening form and related documents latest by 12.30p.m, one day before intended placement date. b) Placement should be made via telephone or via to our dealers if the telephone line is down. c) Upon confirmation, the bank will send the original copy to you by mail. d) Documents required: Account Opening Form Certified Board Resolution Certified Form 24 & 49 List of specimen signatures Condition of signature 5. What are the fees and charges I have to pay? None. (The brokerage / trading fees to buy and sell the commodity will be borne by the Bank.) 6. What are the risks involved? You are advised to carefully consider all risk factors before making the deposit placement. You may not get the full deferred sale price if the withdrawal is made before the maturity. 7. What do I need to do if there are changes to my contact detail? It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner. 8. Where can I get assistance and redress? a) If you wish to complain on the products or services provided by us, you may contact us at: RHB Islamic Bank Berhad b) 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, Kuala Lumpur. Tel : Fax : bnmtelelink@bnm.gov.my Last updated: August / 6
3 9. Where can I get further information? a) Should you require additional information about investment, please refer to the bankinginfo booklet on Investing Your Money, available at all our branches and the website. b) If you have any enquiries, please contact us at: RHB Banking Group 10. Other Islamic Money Market deposit product available? For the meantime, there is no other product available. The information provided in this product disclosure sheet is valid as of 10 February 2017 I / We hereby confirm having explained the Product Disclosure Sheet to Customer. I / We hereby confirm having received and understand the explanation given... Staff Name: Staff ID: Date: Name: NRIC: Date: Last updated: August / 6
4 LEMBARAN PENDEDAHAN PRODUK (Baca dan fahami Lembaran Pendedahan Produk ini bersamasama dengan terma dan syarat-syarat am berkaitan Deposit Komoditi Murabahah Pasaran Kewangan-i sebelum anda membuat keputusan untuk mengambil produk ini. Anda dinasihatkan untuk mendapatkan penjelasan daripada RHB Islamic Bank Berhad jika anda tidak memahami mana-mana bahagian dokumen ini atau syarat-syarat am.) Deposit Komoditi Murabahah Pasaran Kewangan-i (CMMMD-i) Tarikh: [untuk diisi oleh Pengurus Perhubungan] 1. Apakah yang ditawarkan oleh produk ini? Deposit Komoditi Murabahah Pasaran Kewangan-i (CMMMD-i) merupakan produk deposit berasaskan Pasaran Kewangan Islam dengan tempoh sehingga satu (1) tahun dan keuntungan dibayar pada waktu matang. Deposit ini dilindungi oleh Perbadanan Insurans Deposit Malaysia (PIDM). 2. Apakah konsep Shariah yang dilaksanakan? Konsep Shariah yang terpakai ke atas produk ini adalah Komoditi Murabahah melalui aturan Tawarruq. Komoditi Murabahah adalah merujuk kepada penjualan komoditi yang tertentu, melalui pasaran jual beli berdasarkan harga kos dan kadar keuntungan yang tertentu. Manakala Tawarruq pula merujuk kepada suatu perjanjian yang melibatkan penjualan sesuatu komoditi kepada pembeli secara ansuran tertangguh dan kemudian komoditi tersebut dijual ke pihak ketiga secara tunai untuk mendapat tunai atau sebaliknya. 3. Apakah yang akan saya dapat daripada produk ini? Matawang Kadar Minimum Deposit/ Simpanan Tempoh Kaedah Deposit / Menyimpan Kadar Keuntungan Pelbagai mata wang. Kadar minimum simpanan adalah RM 100, tanpa kadar kenaikan minimum. Minimum 1 hari. Simpanan/deposit boleh dibuat melalui pemindahan deposit dari Akaun Semasa dan Sistem Pemindahan Dana dan Sekuriti Secara Elektronik Masa Nyata (RENTAS). Boleh dirunding berdasarkan kadar semasa Komoditi Murabahah antara bank Kekerapan Pembayaran Keuntungan Pengiraan Keuntungan Keuntungan akan dibayar berserta jumlah pokok pelaburan sehingga maksimum 1 tahun Keuntungan akan dibayar pada waktu matang Kadar bilangan hari dalam setahun: Bilangan hari dalam setahun sama ada 365 hari atau 360 hari berdasarkan kadar bilangan hari bagi matawang yang berkenaan. Pengiraan keuntungan: Jumlah keuntungan = Jumlah Deposit + Kadar Keuntungan + Tempoh (bil. hari) Kadar bilangan hari dalam setahun Perlindungan Modal Pokok Modal pokok dilindungi dibawah PIDM sehingga maksimum RM 250, Kemas kini terakhir: Ogos / 6
5 4. Apakah terma dan syarat utama yang lain yang perlu saya ketahui mengenai produk ini? Pembaharuan Automatik Penyimpanan Dana Pembaharuan automatik adalah tidak dibenarkan. Tetapi, bank boleh membuat pusingan balik modal anda ketika matang berdasarkan permintaan bertulis dari anda, dan bergantung kepada aset pendasar perdagangan komoditi Murabahah sewaktu pusingan balik modal. Anda perlu mengekalkan dana yang mencukupi pada setiap masa. Jika akaun anda tidak mempunyai dana yang mencukupi ketika pengdebitan akaun, simpanan anda akan dibatalkan secara automatik Pengeluaran Pra matang / Penebusan Awal Anda tidak digalakkan untuk membuat pengeluaran pra matang (sebahagian atau sepenuhnya) bagi produk ini. Sekiranya anda meminta pembayaran balik simpanan anda sebelum tarikh pembayaran tertunda yang telah ditetapkan, anda dengan ini mengakui dan bersetuju untuk melepaskan tuntutan terhadap semua atau sebahagian daripada keuntungan dari harga jualan tertangguh. Proses Permohonan a) Anda dikehendaki untuk menyerahkan borang pembukaan akaun dan dokumendokumen yang berkenaan selewat-lewatnya pada pukul tengahari, satu hari sebelum tarikh penyimpanan yang ingin dibuat. b) Penyimpanan perlu dibuat melalui telefon atau melalui kepada wakil peniaga kami jika talian telefon tidak dapat dihubungi. c) Selepas pengesahan, bank akan menghantar salinan asal pengesahan kepada anda melalui pos. d) Dokumen-dokumen yang diperlukan: Borang pembukaan akaun Resolusi oleh Lembaga Pengarah yang telah disahkan Borang 24 & 49 yang telah disahkan Senarai spesimen tandatangan Pengesahan tandatangan 5. Apakah kadar fi dan caj yang saya perlu bayar? Tiada (Bayaran pembrokeran / jual beli untuk pembelian dan penjualan komoditi akan ditanggung oleh pihak Bank) 6. Apakah risiko-risiko yang terlibat? Anda dinasihati untuk mempertimbangkan semua faktor-faktor risiko sebelum membuat deposit. Anda tidak akan mendapat harga jualan tertunda yang penuh jika deposit dikeluarkan sebelum tempoh matang. 7. Apakah yang perlu saya lakukan jika terdapat perubahan pada butiran peribadi saya? Adalah penting bagi anda untuk memaklumkan kepada Bank jika terdapat sebarang perubahan dalam butir-butir maklumat anda untuk memastikan semua surat-menyurat sampai kepada anda tepat pada masanya. Kemas kini terakhir: Ogos / 6
6 8. Di manakah saya boleh mendapatkan bantuan dan pembelaan? c) Jika anda ingin membuat aduan mengenai produk atau perkhidmatan yang disediakan oleh pihak Bank, anda boleh menghubungi pihak Bank di: RHB Islamic Bank Berhad d) Jika soalan dan aduan anda tidak diselesaikan dengan memuaskan oleh pihak Bank, anda boleh menghubungi pihak Bank Negara Malaysia LINK atau TELELINK di: Block D, Bank Negara Malaysia Jalan Dato Onn, Kuala Lumpur. Tel : Fax : bnmtelelink@bnm.gov.my 9. Di manakah saya boleh mendapatkan maklumat lanjut berkenaan produk ini? c) Sekiranya anda memerlukan maklumat tambahan mengenai pelaburan, sila rujuk kepada risalah banking Info berkenaan 'Melabur Wang Anda', yang boleh didapati di semua cawangan Bank dan laman sesawang d) Anda juga boleh menghubungi pihak Bank di: RHB Banking Group 10. Apakah produk deposit berasaskan Pasaran Kewangan Islam lain ditawarkan? Untuk masa ini, tiada lagi produk lain yang ditawarkan. Maklumat yang disediakan dalam lembaran maklumat ini adalah sah pada 10 Februari 2017 Saya / Kami mengesahkan telah menerangkan Lembaran Maklumat Produk kepada pelanggan. Saya / Kami mengesahkan telah mendengar dan memahami penerangan yang diberikan... Nama Pekerja: ID Pekerja: Tarikh: Nama: MyKad: Tarikh: Kemas kini terakhir: Ogos / 6
PRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take up the KFH INTERNATIONAL COMMODITY MURABAHAH DEPOSIT-i. Please also read the general terms and conditions.)
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Please read this Product Disclosure Sheet before you decide to take up Am50Plus Term Deposit-i. Be sure to also read the Terms and Conditions. Kindly seek clarification from AmBank
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Read this product Disclosure Sheet before you decide to sign up the KFH SURE SAVINGS ACCOUNT-i. Be sure you also read the general terms and conditions) KFH SURE SAVINGS ACCOUNT-i
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Please read this Product Disclosure Sheet before you decide to take up Afdhal Term Deposit-i. Be sure to also read the terms and conditions. Kindly seek clarification from AmBank
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Read this product Disclosure Sheet before you decide to sign up the KFH SURE SME ACCOUNT-i. Be sure you also read the general terms and conditions) 1. What is the nature of this
More information: % p.a. / Setahun. : Ranging from / Mulai dari 1 7 years / tahun Instalment / Ansuran
PRODUCT DISCLOSURE SHEET / LEMBARAN PENDEDAHAN PRODUK (Read this Product Disclosure Sheet (PDS) before you decide to take out the Personal -i. Be sure to also read the terms in the Letter Offer (if applicable).
More information3. What do I get from this product? / Apakah yang saya perolehi dari produk ini?
PRODUCT DISCLOSURE SHEET / LEMBARAN PENDEDAHAN PRODUK (Read this Product Disclosure Sheet (PDS) before you decide to take out the Personal -i. Be sure to also read the terms in the Letter Offer (if applicable).
More informationEzyCash via M2u EzyCash M2u Plan 6. EzyCash M2u Plan 12. EzyCash M2u Plan 24 Interest rate p.a 0% 8.88% EzyCash. EzyCash M2u Plan 12
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Maybank via Maybank2u facility. Be sure to read the terms and conditions. Seek clarification from your institution
More informationYou are liable for any unauthorized transactions before reporting to the Bank.
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Debit Cards. Be sure to also read the general terms and conditions.) DEBIT CARDS: Maybank Visa Debit 1. What
More information1. What is this product about? / Apakah yang perlu saya ketahui mengenai produk ini?
1. What is this product about? / Apakah yang perlu saya ketahui mengenai produk ini? is a capital guaranteed deposit with fixed profit return that allows you the flexibility of managing funds according
More informationMALAYAN BANKING BERHAD (Bank) PRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take up the Product described below. Be sure to also read the Maybank Gold Investment Account Agreement.) MALAYAN BANKING
More information1. What is this product about? / Apakah yang perlu saya ketahui mengenai produk ini?
1. What is this product about? / Apakah yang perlu saya ketahui mengenai produk ini? e-fixed Term Account-i (e-fta-i) is a capital guaranteed deposit with fixed profit return that allows you the flexibility
More informationEzyCash via M2u EzyCash M2u Plan 6. EzyCash M2u Plan 12. EzyCash M2u Plan 24 Interest rate p.a 0% 8.88% EzyCash. EzyCash M2u Plan 12
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Maybank via Maybank2u facility. Be sure to read the terms and conditions. Seek clarification from your institution
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up the Manchester United Prepaid Card (MU Prepaid). Be sure to also read the general terms and conditions. June 2012
More informationAL RAJHI BANK PERSONAL FINANCING-i SECURED AGAINST GOLD / PEMBIAYAAN PERIBADI-i DENGAN CAGARAN EMAS AL RAJHI BANK
PRODUCT DISCLOSURE SHEET / LEMBARAN PENDEDAHAN PRODUK (Read this Product Disclosure Sheet (PDS) before you decide to take out the Personal -i. Be sure to also read the terms in the Letter Offer (if applicable).
More informationPRODUCT DISCLOSURE SHEET (PDS)
PRODUCT DISCLOSURE SHEET (PDS) (Read this Product Disclosure Sheet before you decide to take up Retail Negotiable Islamic Debt Certificate (R-NIDC). Be sure to also read the general terms and conditions)
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Read this product Disclosure Sheet before you decide to sign up the KFH LIBSHARA ACCOUNT-i. Be sure you also read the general terms and conditions) 1. What is the nature of this
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to apply for the Trade Services Facility. Please be sure to also read the Terms and Conditions as stated in the Agreement.
More informationLIVING CARE. Critical Illness Insurance
LIVING CARE Critical Illness Insurance PREMIUM TABLE ANNUAL PREMIUM (RM) (excluding Service Tax and Stamp Duty)/ SUM INSURED (RM) Attained Age 50,000 100,000 150,000 200,000 250,000 (Next Birthday) Male
More informationCASH TREATS PROGRAM APR 2011
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to apply for the MaybankCashTreats Program. Be sure to also read the general terms and conditions.) CASH TREATS PROGRAM APR
More informationAmBank Islamic Berhad
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up Invoice Financing-i. The final terms and conditions will be documented in the form of Letter of Offer and/or Facilities
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up Invoice AmBank Islamic Berhad Financing-i. The final terms and conditions will be documented in the Letter of Offer
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take up the Hire Purchase Loan. Seek clarification from if you do not understand any part of this document or the general
More informationTHE PORTABLE & PERSONAL MEDICAL PLAN
A-Health Maximiser THE PORTABLE & PERSONAL MEDICAL HEALTH PLAN Maximising your protection to meet your changing needs Purchase with AIA PRS to fund your retirement years aia.com.my A-Health Maximiser Maximising
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take out the Export Factoring Facility (EFF) Receivables Purchase Program for Exporters. Be sure to also read the terms
More informationHong Leong Personal Financing-i Date : 1. What is this product about?
PRODUCT DISCLOSURE SHEET Kindly read this Product Disclosure Sheet together with the attached general terms and conditions (if any) before you decide to take up the Hong Leong Personal Financing-i. Please
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take the Maybank Islamic Ikhwan Card-i. Be sure to also read the general terms and conditions. Seek clarification from
More informationA guarantee on specified liability required by contract awarder/third party in fulfilling the contract.
PRODUCT DISCLOSURE SHEET (PDS) Read this Product Disclosure Sheet (PDS) before you decide to take up the Bank Guarantee-i (BG-i). Be sure to also read the terms and conditions of the product and seek clarification
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take up the Credit Card Balance Transfer. Please be sure to also read the terms and conditions governing Balance
More informationM A X I S M O B I L E S E R V I C E S S D N B H D T 1 C P
M A X I S M O B I L E S E R V I C E S S D N B H D 7 3 3 1 5 - T 1 C P - 8 1 6 7 0 6 ACE Jerneh Insurance Berhad (9827-A) Wisma ACE Jerneh, 38 Jalan Sultan Ismail 50250 Kuala Lumpur Malaysia Tel 03 2058
More informationSchool Children Personal Accident Insurance Plan - List Of Insured Persons
School Children Personal Accident Insurance Plan - List Of Insured Persons IMPORTANT NOTE Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance
More informationPACIFIC MUTUAL FUND BHD IMPORTANT NOTICE ON PERSONAL DETAILS NOTIS PENTING BERKENAAN MAKLUMAT PERIBADI
PACIFIC MUTUAL FUND BHD IMPORTANT NOTICE ON PERSONAL DETAILS NOTIS PENTING BERKENAAN MAKLUMAT PERIBADI The Personal Data Protection Act 2010 (hereinafter referred to as the Act ) came into effect on 15
More informationMaybank Visa Debit Picture Card
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Debit Cards. Be sure to also read the general terms and conditions.) DEBIT CARDS: Maybank Visa Debit Picture
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up the Shell easigo American Express Prepaid Card issued by Maybank. Be sure to also read the general terms and conditions.
More informationRHB ISLAMIC BANK BERHAD ( V) Incorporated in Malaysia HIRE PURCHASE-i (FIXED RATE) Date: [to be filled by Sales/ Branch Personnel]
PRODUCT DISCLOSURE SHEET (Please read and understand this Product Disclosure Sheet together with the general terms and conditions governing the Hire Purchase-i (Fixed Rate) before you decide to take up
More informationDisbursement Amount = Purchase Price less Acceptance Commission less other charges (if applicable)
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up Accepted Bills-i (Export/Sales). The final terms and conditions will be documented in the form of letter of offer
More informationAPPLICATION FOR A PERFORMANCE BOND / ADVANCE PAYMENT BOND
APPLICATION FOR A PERFORMANCE BOND / ADVANCE PAYMENT BOND Pursuant to Paragraph 4(1) of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance for a purpose related to your
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET ICBC Visa Credit Card Release date: (Read this Product Disclosure Sheet before you decide to take up the ICBC Credit Card. Be sure to also read the ICBC Credit Card Agreement and
More informationThis Policy reflects the terms and conditions of the contract of insurance as agreed between you and the Company.
(62605-U) This Policy is issued in consideration of the payment of premium as specified in the Policy Schedule and pursuant to the answers given in your Proposal Form (or when you applied for this insurance)
More informationEffective 1 April 2015, Goods and Service Tax (GST) will be imposed on fees and charges, where applicable.
PRODUCT DISCLOSURE SHEET Kindly read this Product Disclosure Sheet together with the attached general terms and conditions (if any) before you decide to take up the Hong Leong Personal Financing-i. Please
More informationMalaysian incorporated companies, e.g. contractors, manufactures, trading companies etc.
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take the Trade Services Facility with Bangkok Bank Bhd. Please be sure you read the general Terms and Conditions. The Information
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Please read this Product Disclosure Sheet before you decide to take up Current Account-i. Be sure to also read the Specific Terms and Conditions for Foreign Currency Current Account-i.
More informationGlobal Fly Season Exclusive UnionPay Privileges Not To Be Missed ( Promotion )
Global Fly Season Exclusive UnionPay Privileges Not To Be Missed ( Promotion ) Terms and Conditions ERAMAN MALAYSIA 1. The promotion is valid from 1 May 31 October 2018 ( Promotion Period ). 2. This promotion
More informationPromosi Raya Pos Laju
Pos Laju Raya Promotion TERMS & CONDITIONS 1. Pos Laju Raya Promotion ( Promotion ) is brought to you by Pos Malaysia Berhad ( Organizer ). This Promotion is eligible to all customers that purchase Pos
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take up the Balance Conversion. Please be sure to also read the terms and conditions governing Balance Conversion.)
More informationOCBC GREAT EASTERN MASTERCARD FREQUENTLY ASKED QUESTIONS (FAQ) REBATE FEATURES, INTEREST FREE AUTO INSTALMENT PAYMENT PLAN (AUTO- IPP) AND BENEFITS
OCBC GREAT EASTERN MASTERCARD FREQUENTLY ASKED QUESTIONS (FAQ) REBATE FEATURES, INTEREST FREE AUTO INSTALMENT PAYMENT PLAN (AUTO- IPP) AND BENEFITS 1. What benefits can I get when I use the OCBC Great
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take up the Hire Purchase-i financing. Seek clarification from if you do not understand any part of this document or the
More informationAmBank Credit Card Fee & Charges
AmBank Credit Card Fee & Charges Annual Fee Minimum Monthly Payment Finance Charges Cash Advance Fee Late Payment Interest Free Period Excess Limit Fee Credit Balance Refund Fee Free For Life 5% of the
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take the Maybank Islamic TRUST RECEIPT-i (TR-i). Be sure to also read the general terms and conditions. Product
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take the American Express Cash Back Gold Credit Card. Be sure to also read the general terms and conditions. Seek clarification
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Please read this Product Disclosure Sheet before you decide to take up the product. The final terms and conditions will be documented in the form of Letter of Offer and/or Facility
More informationBizAlert Application Checklist
BizAlert Application Checklist Please complete the following checklist before submitting your application. Application Form Extract Resolution / Extract Minutes Supporting Documents Documents Submission
More informationDate : 1. What is this product about?
PRODUCT DISCLOSURE SHEET Please read this Product Disclosure Sheet before you decide to apply for Cashline Facility-i and the Terms and Conditions as stated in the Letter of Offer before you accept the
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Please read this Product Disclosure Sheet before you decide to take up Savings Account-i. Be sure to also read the Specific Terms and Conditions for Commodity Murabahah-Based Current
More informationMaximum of 5 years Current FME funding rate is at 1.50% per annum Commercial card, Personal Reducing Term Assurance (PRTA) and M2u.
PRODUCT DISCLOSURE SHEET Please read this product disclosure sheet before you decide to take out this SME Micro Financing product. Be sure to also read the general terms and conditions. Product name :
More informationFSTRB 036/2015_v2. 1. What is this product about? 5. What are the fees and charges I have to pay?
PRODUCT DISCLOSURE SHEET (Please read and understand this Product Disclosure Sheet together with the brief terms and conditions governing the Accepted Bills-i (AB-i Sales) before you decide to take up
More informationLETTER OF CREDIT-i (LC-i) FSTRB /2015. Date: [to be filled by Relationship Manager] 1. What is this product about? Cost of SWIFT.
FSTRB /2015 PRODUCT DISCLOSURE SHEET (Please read and understand this Product Disclosure Sheet together with the brief terms and conditions governing the Letter of Credit-i (LC-i) before you decide to
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Please read this Product Disclosure Sheet before you decide to take up the product. Be sure to also read the Terms and Conditions. Kindly seek clarification from if you do not
More information1. What is this product about? / Apakah yang perlu saya ketahui mengenai produk ini?
Property Financing-i / Pembiayaan Hartanah-i 1. What is this product about? / Apakah yang perlu saya ketahui mengenai produk ini? Property Financing-i is to facilitate the purchase of property under construction,
More informationSHARE MARGIN FINANCING-i. Date: [To be filled] 1. What is this product about?
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Share Margin Financing-i. Be sure to also read the terms in the letter of offer. Seek clarification from your
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Please read this Product Disclosure Sheet before you decide to take up the AmBank Islamic BBA Property Financing-i. Be sure to also read the terms in the letter of offer. Kindly
More informationASB / ASB2 Financing is a credit facility granted to customers who wish to invest in ASNB Unit Trust funds managed by PNB.
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take up the ASNB Financing Product(s). Be sure to also read the terms in the letter of offer. Seek clarification from RHB
More informationKRITERIA BORANG NYATA CUKAI PENDAPATAN (BNCP) TIDAK LENGKAP CRITERIA ON INCOMPLETE INCOME TAX RETURN FORM (ITRF) PEMBERITAHUAN
KRITERIA BORANG NYATA CUKAI PENDAPATAN (BNCP) TIDAK LENGKAP CRITERIA ON INCOMPLETE INCOME TAX RETURN FORM (ITRF) PEMBERITAHUAN (Pin. 1/2014) MULAI 1 JANUARI 2012, BNCP YANG TIDAK LENGKAP AKAN DIPULANGKAN
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take the Maybank Islamic ON-SHORE FOREIGN CURRENCY FINANCING-i (OFCF-i). Be sure to also read the general terms
More informationKRITERIA BORANG NYATA CUKAI PENDAPATAN (BNCP) TIDAK LENGKAP PEMBERITAHUAN
KRITERIA BORANG NYATA CUKAI PENDAPATAN (BNCP) TIDAK LENGKAP CRITERIA ON INCOMPLETE INCOME TAX RETURN FORM (ITRF) PEMBERITAHUAN MULAI 1 JANUARI 2012, BNCP YANG TIDAK LENGKAP AKAN DIPULANGKAN KEPADA PEMBAYAR
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET ICBC Visa Credit Card Release date: (Read this Product Disclosure Sheet before you decide to take up the ICBC Credit Card. Be sure to also read the ICBC Credit Card Agreement and
More informationFOREIGN CURRENCY TRADE FINANCING-i SALES (FCTF-i SALES) Date: [to be filled by Relationship Manager] FSTRB / What is this product about?
PRODUCT DISCLOSURE SHEET (Please read and understand this Product Disclosure Sheet together with the brief terms and conditions governing the Foreign Currency Trade Financing-i Sales (FCTF-i Sales) before
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take the Maybank Islamic ACCEPTED BILLS-i (AB-i). Be sure to also read the general terms and conditions. Product
More informationTERMS & CONDITIONS FOR KFH MALAYSIA INTERNATIONAL COMMODITY MURABAHAH DEPOSIT-i CAMPAIGN 2018 ( CAMPAIGN )
TERMS & CONDITIONS FOR KFH MALAYSIA INTERNATIONAL COMMODITY MURABAHAH DEPOSIT-i CAMPAIGN 2018 ( CAMPAIGN ) 1. CAMPAIGN PERIOD 1.1. The Campaign shall run from 5 February 2018 until 30 April 2018 (both
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET ICBC Visa Credit Card Release date: (Read this Product Disclosure Sheet before you decide to take up the ICBC Credit Card. Be sure to also read the ICBC Credit Card Agreement and
More informationBenefits Description Sum Insured (RM) Benefit A Death 20,000 per unit per person
My Auto PAC PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the My Auto PAC Personal Accident Cover (PAC). Be sure to also read the general terms and conditions.)
More informationApartment and Condominium Insurance Package
Apartment and Condominium Insurance Package APARTMENT AND CONDOMINIUM INSURANCE PACKAGE Anything can happen at any time. Protect the property under your management and get covered with our Apartment and
More informationPEMBERITAHUAN CATATAN NOTES. Hanya BNCP ASAL yang ditetapkan oleh LHDNM akan diterima. Menggunakan salinan fotostat BNCP adalah tidak dibenarkan.
KRITERIA BORANG NYATA CUKAI PENDAPATAN (BNCP) TIDAK LENGKAP YANG TIDAK BOLEH DITERIMA CRITERIA ON INCOMPLETE INCOME TAX RETURN FORM (ITRF) WHICH IS UNACCEPTABLE PEMBERITAHUAN BNCP TIDAK LENGKAP YANG TIDAK
More informationShare Margin Financing
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet (PDS) before you decide to take up the Share Margin Financing product. Be sure to also read the terms in the related Letter of Offer. Seek clarification
More informationMinimum monthly repayment: 5% of statement balance or RM25, whichever is higher. *1st year annual fee-waiver
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take the Singapore Airlines KrisFlyer American Express Gold Credit Card. Be sure to also read the general terms and conditions.
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Please read this Product Disclosure Sheet before you decide to subscribe for Vehicle Financing-i Be sure to also read the terms and conditions of this product BANK RAKYAT VEHICLE
More informationATM withdrawal fee* Card replacement fee. RM2-12 per page
Product Disclosure Sheet (Read this Product Disclosure Sheet before you decide to take up the Easy-Kad Debit-i. Be sure to also read the general terms and conditions) Easy-Kad Debit-i Date: 1. WHAT IS
More informationDate: June Travel Personal Accident Insurance RM 2,000,000 Flight Misconnection RM 1,000 Luggage delay RM 1,000 Lost luggage RM 3,000
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take the MAYBANKARD WORLD MASTERCARD. Be sure to also read the general terms and conditions. Seek clarification from your
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take the Maybank Islamic SHIPPING GUARANTEE-i (SG-i). Be sure to also read the general terms and conditions. Product
More informationGST 01 PERMOHONAN PENDAFTARAN CUKAI BARANG DAN PERKHIDMATAN APPLICATION FOR GOODS AND SERVICES TAX REGISTRATION
Panduan di bawah akan membantu anda mengisi borang yang berkaitan dengan permohonan anda. The guideline below will assist you in filling in the form relating to your application. GST 01 PERMOHONAN PENDAFTARAN
More informationCoverage Description Sum Insured (RM) 50,000per unit per person
TAGPAC PLUS PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the TagPAC Plus). Be sure to also read the general terms and conditions.) 1. What is this product
More informationINDUSTRY TRANSFORMATION INITIATIVE REGISTRATION FORM
Local (KL and Selangor): RM180 per participant Please register me for: INDUSTRY TRANSFORMATION INITIATIVE REGISTRATION FORM Outstation (other states including East Malaysia): RM220 per participant Please
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET ICBC UnionPay Dual Currency Credit Card Release date: (Read this Product Disclosure Sheet before you decide to take up the ICBC Credit Card. Be sure to also read the ICBC Credit
More informationCurrent Accounts. convenience. Your funds. You decide how and when. Eligible for protection by PIDM. Your Bank. Malaysia s Bank. AmBank.
Current Accounts convenience Your funds. You decide how and when. Eligible for protection by PIDM A PIDM member Your Bank. Malaysia s Bank. AmBank.TM Banking has become simpler and more convenient than
More informationOil Palm Plantation Financing-i
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up the Oil Palm Plantation Financing-i. Be sure to also read the terms in the Letter of Offer. Seek clarification from
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take up the Overdraft Facility. Be sure to also read the general terms and conditions in the letter of offer. Seek clarification
More informationDuring study period BR % (Effective rate 5.85%) After study period BR % (Effective rate 6.85%)
Revised Version Jan 2018 Page 1 of 4 PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up the SPP1M. Be sure to also read the general terms and conditions. Please seek
More informationPRODUCT DISCLOSURESHEET
PRODUCT DISCLOSURESHEET (Read this Product Disclosure Sheet before you decide to take up the Commodity Murabahah Top-up for Home/Property Financingi. Be sure to also read the general terms and conditions
More informationApplicable for AmBank Credit Card b) 1.42% per month or 17% p.a. if you have promptly settled your minimum payment due for 10 consecutive months
AmBank Credit Cards: Fees & Charges (Effective 1 June 2018) (Fees stated below are applicable for these cards unless stated otherwise, AmBank SIGNATURE Priority Banking World Mastercard, AmBank SIGNATURE
More informationDuration of cover is usually for one year. You need to renew your insurance policy annually.
FIDELITY GUARANTEE INSURANCE Product Disclosure Sheet (Please read this Product Disclosure Sheet before you decide to take out this insurance. Be sure to also read the general terms and conditions.) 1.
More informationPLUSTRACK. 1 June offered (terminal, terminal reload, and cards) for their corporate fleet of vehicles.
PRODUCT DISCLOSURE SHEET -X) (Read this Product Disclosure Sheet before you decide to take out the PLUSTRACK. Be sure to also read the general terms and conditions.) PLUSTRACK 1 June 2018 1. What is the
More informationCourse Title Date Venue. Name (as in NRIC/Passport) NRIC/Passport No. Designation Company & Address
Capital Market Director Programme (CMDP) REGISTRATION FORM A. PROGRAMME MODULES Please tick ( ) Course Title Date Venue Fee (RM) GST (6%) Total Fee (RM) Module 1: Directors as gatekeepers of market participants
More information18 March RM5.30 per card. Card Replacement Fee (Replacement of card due to lost or damage by customer)
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the PUKAL FLEETPASS. Be sure to also read the general terms and conditions.) Touch n Go Sdn Bhd (406400-X) PUKAL
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to apply for the Trade Services Facility. Please be sure to also read the Terms and Conditions as stated in the Letter of Offer.
More informationPRODUCT DISCLOSURE SHEET FOR CREDIT CARD
Date: PRODUCT DISCLOSURE SHEET FOR CREDIT CARD Kindly read this Product Disclosure Sheet before you decide to take up any Alliance Bank Malaysia Berhad ( Alliance Bank ) Credit Card. Please be sure to
More informationPRODUCT DISCLOSURE SHEET
PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take the Maybank 2 Cards Premier. Be sure to also read the general terms and conditions. Seek clarification from your institution
More information(Read this Product Disclosure Sheet before you
Product Disclosure Sheet (Read this Product Disclosure Sheet before you decide to take up this Debit Card. Be sure to also read the general terms and conditions) RHB BANK BERHAD Date: 1. WHAT IS THIS PRODUCT
More informationAmBank Islamic Berhad
PRODUCT DISCLOSURE SHEET Please read this Product Disclosure Sheet before you decide to take up the product. The final terms and conditions will be documented in the form of Letter of Offer and/or Facility
More informationIMPORTANT NOTICE NOTIS PENTING
IMPORTANT NOTICE TRANSITION OF MUDHARABAH DEPOSIT ACCOUNTS 9 th April 2014 Dear Valued Customers, Pursuant to the Islamic Financial Services Act (IFSA), 2013, we will be converting your Mudharabah General
More informationKuwait Finance House (Malaysia) Berhad (KFH Malaysia) KFH DEBIT CARD-i. Date: 5 July What is this product about?
KFH DEBIT CARD-i - PRODUCT DISCLOSURE SHEET (Please read this Product Disclosure Sheet before you decide to take up the KFH DEBIT CARD-i. Be sure you also read the general terms and conditions.) 1. What
More information