PRODUCT DISCLOSURE SHEET
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1 FBTRD 011/2016 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. The Information given below is merely general information of the product. Terms & Conditions may vary on case to case basis. RHB Bank Berhad (6171-M) (RHB) DISTRIBUTORS FINANCING PROGRAM (DF) PRODUCT INFORMATION In DF, RHB is to finance the local buyers (who are distributors) against supplier invoices (data uploaded) that have been accepted and approved by wholesaler (electronically) using RHB Financial Supply Chain (FSC) platform. The distributors will make their purchases from a wholesaler or an authorized agent who is currently a borrowing / non borrowing customer of the Bank. The wholesaler or an authorized agent will be referred to as the Principal / Anchor Seller. The Bank will structure a financing program for the distributors to finance their purchases from the Principal/ Anchor Seller. For this arrangement, the distributor / buyer will have to be a customer of the Bank. The program is suitable for wholesaler who wish to grow their sales but limited by their internal credit limit to the distributors. The FSC platform will connect distributors and its Supplier (wholesaler / authorized agent) to the Bank and to facilitate straight through on-line application of financing. FEES, EXPENSES AND TAXES For the avoidance of doubt, the Customer shall bear all professional fees, taxes (including but not limited to service tax or Goods and Services Tax (GST)), and out-of-pocket expenses incurred and any other fees, expenses or recourse in respect of this product. GST Local Purchases: Standard-Rated Supply (0%) applicable for all fees and charges unless otherwise stated below. TYPE OF CHARGES / SERVICES Interest Rate SALIENT FEES AND CHARGES (Inclusive of GST) Cost of Funds (COF) / Base Lending Rate (BLR) + Spread The advance shall be disbursed and remitted directly to the supplier indicated in the invoices. Interest shall be computed from the financing date until payment is received on maturity date:- Interest charged = Principal x (BLR / COF + credit spread%) x tenure 365 or 360 Principal plus interest shall be collected at maturity. GST Exempt Supply The information provided in this disclosure sheet is valid as at 1-June-18
2 FBTRD 011/2016 TYPE OF CHARGES / SERVICES Commission SALIENT FEES AND CHARGES (Inclusive of GST) RM20.00 for SMEs / RM50.00 for Non-SMEs upon submission of request / application for financing. Other Fees & Charges Handling (Service) Fee Cost of SWIFT Cost of RENTAS Cost of Interbank GIRO (IBG) Payment RM5.00 Stamping RM5.00 Payment /Short (RM) Long (RM) Local Singapore Asia Others RM2.00 Postage/Delivery Charges Local Party Normal mail Registered mail Courier / hand delivery Foreign Party Normal mail Registered mail Courier / hand delivery RM2.00 Actual courier/transport charges plus RM5.00, Min RM10.00 RM5.00 Actual courier/transport charges plus RM5.00, Min RM10.00 CUT-OFF TIME FOR TRANSACTION TO BE PROCESSED Processing DF 2.00pm Foreign currency payment processing is subject to the respective foreign currency cut-off processing time. Processing / Payment via RENTAS 12.00pm Processing / Payment via IBG 2.00pm The information provided in this disclosure sheet is valid as at 1-June-18
3 FBTRD 011/2016 BRIEF TERMS & CONDITIONS DF is made available to distributors / buyers where their purchases are from a wholesaler or an authorized agent who is currently a borrowing / non-borrowing customer of the Bank. The wholesaler will provide the Bank a list of their distributors and the Bank will assess the background of each distributor before offering the program lending to them. DF will cover local sight / credit term local purchases and margin of advance up to 100% of the invoice value in MYR / Foreign Currency (FCY) for Local Purchases. The advance will be on accrued basis and distributor is to pay commission and other charges at the point of advancement. The financing tenure will be subject to the Bank s evaluation of distributors trade cycle and the computation of the financing tenure shall start from the earliest dated supporting document not exceeding the Bank s approved tenure. Security may be required based on the Bank s internal evaluation. DEFAULT PAYMENT If there is no settlement on maturity date, the facility for the distributor will be frozen immediately. Outstanding amounts shall be converted to overdue. All trade facilities for the distributor depending on the structure of the facilities are to be frozen immediately upon overdue. Overdue interest of BLR + penalty (x%) shall be imposed on all overdue bills. The present penalty rate is 3.5% p.a. The overdue interest shall be computed from the day the bill turns overdue until settlement. Plus Overdue Bill Penalty fee RM and GST is under Out-of-Scope Supply. CONTACT DETAILS Should you require any further information, please contact us at: Group Transaction Banking Product RHB Bank Berhad Level 3, Tower 3, RHB Centre, Jalan Tun Razak, Kuala Lumpur Tel:(603) / / / / / Or visit (Business / Transaction Banking) for regional offices contact details. The information provided in this disclosure sheet is valid as at 1-June-18
4 LEMBARAN PENDEDAHAN PRODUK Baca Lembaran Pendedahan Produk ini sebelum anda memutuskan untuk memohon Kemudahan Perkhidmatan Perdagangan. Pastikan juga anda membaca Terma dan Syarat seperti yang dinyatakan dalam Surat Tawaran. Maklumat yang diberikan di bawah hanya maklumat am tentang produk. Terma & Syarat mungkin berbeza mengikut situasi. RHB Bank Berhad (6171-M) SKIM PEMBIAYAAN PENGEDAR (DF) MAKLUMAT PRODUK Dalam Skim Pembiayaan Pengedar (DF), RHB akan membiayai pembeli tempatan (pengedar) terhadap invois pembekal (data yang dimuat naik) yang telah diterima dan diluluskan oleh pemborong (secara elektronik) dengan menggunakan platform Rantaian Bekalan Kewangan RHB ( Financial Supply Chain ) (FSC). Pengedar akan membuat pembelian daripada pemborong atau ejen yang diberi kuasa yang juga merupakan pelanggan pinjaman / bukan pelanggan pinjaman Bank. Pemborong atau ejen yang diberi kuasa akan dirujuk sebagai Prinsipal / Penjual Anchor. Bank akan menstruktur program pembiayaan bagi pengedar untuk membiayai pembelian mereka daripada Prinsipal / Penjual Anchor. Dalam skim pembiayaan ini, pengedar / pembeli perlu menjadi pelanggan Bank. Program ini sesuai untuk pemborong yang ingin meningkatkan jualan mereka tetapi dihadkan oleh had kredit yang diberikan kepada pengedar. Platform FSC akan menghubungkan pengedar dan pembekal (pemborong / ejen yang diberi kuasa) dengan Bank dan bagi memudahkan proses permohonan pembiayaan secara terus melalui atas talian. FI, PERBELANJAAN DAN CUKAI Bagi mengelakkan keraguan, Pemohon hendaklah menanggung semua yuran profesional, cukai-cukai (termasuk tetapi tidak terhad kepada cukai perkhidmatan atau Goods and Services Tax (GST)), dan perbelanjaan luar jangka yang ditanggung dan apa-apa fi lain, perbelanjaan atau tindakan sewajarnya berkenaan dengan produk ini. GST - Pembelian Tempatan: Pembekalan Berkadar Standard (0%) untuk semua fi dan caj melainkan yang dinyatakan sebaliknya di bawah.
5 JENIS PERKHIDMATAN / CAJ Kadar Faedah BAYARAN DAN CAJ PENTING Kos Dana (KD) / Kadar Pinjaman Asas (KPA) + Tebaran Pendahuluan ( advance ) tersebut akan dibayar dan diremitkan terus kepada pembekal yang dinyatakan di dalam invois. Faedah akan dikira dari tarikh pembiayaan sehingga bayaran diterima pada tarikh matang: - Faedah dicaj = Prinsipal x (KD atau KPA + % tebaran kredit) x tempoh 365 Prinsipal berserta faedahnya hendaklah dikutip apabila matang. GST Pembekalan Dikecualikan JENIS PERKHIDMATAN / CAJ Komisen BAYARAN DAN CAJ PENTING (Termasuk GST) RM20.00 untuk SME / RM50.00 bagi bukan SME apabila mengemukakan permintaan / permohonan untuk pembiayaan. Fi & Caj-caj yang lain Bayaran Pengendalian (Perkhidmatan) Kos SWIFT Kos RENTAS Kos Interbank GIRO (IBG) Untuk Pembayaran RM5.00 Untuk Penyeteman dokumen RM5.00 Pembayaran / Mesej Pendek (RM) Mesej Panjang (RM) Tempatan Singapura Asia Lain-lain RM2.00 Caj Pos / Penghantaran Tempatan Surat Biasa Surat Berdaftar Kurier / Serahan Tangan Luar Negara Surat Biasa Surat Berdaftar Kurier / Serahan Tangan RM2.00 Caj Kurier/ Pengangkutan dengan tambahan bayaran RM5.00, Min RM10.00 RM5.00 Caj Kurier/ Pengangkutan dengan tambahan bayaran RM5.00, Min RM10.00
6 WAKTU TERAKHIR UNTUK MEMPROSES TRANSAKSI Pemprosesan transaksi pm Pemprosesan pembayaran dalam wang asing adalah tertakluk pada waktu terakhir pemprosesan pembayaran wang asing yang berkenaan. Pemprosesan / Pembayaran melalui RENTAS 12.00pm Pemprosesan / Pembayaran melalui IBG 2.00pm TERMA & SYARAT RINGKAS DF disediakan kepada pengedar / pembeli di mana pembelian mereka daripada pemborong atau ejen yang diberi kuasa yang merupakan pelanggan pinjaman / bukan pelanggan pinjaman Bank. Pemborong dikehendaki memberikan Bank senarai pengedar mereka dan Bank akan menilai latar belakang setiap pengedar sebelum menawarkan program pinjaman kepada mereka. DF meliputi pembayaran apabila invois diterima / terma kredit pembelian tempatan dan margin pendahuluan sehingga 100% daripada nilai invois dalam MYR / Mata Wang Asing (FCY) bagi Pembelian Tempatan. Pendahuluan tersebut akan dikira secara terakru dan pengedar hendaklah membayar komisen dan caj-caj lain pada masa pendahuluan. Tempoh pembiayaan akan tertakluk kepada penilaian Bank terhadap kitaran perdagangan pengedar dan pengiraan tempoh pembiayaan akan bermula daripada tarikh terawal dokumen sokongan dan tidak melebihi tempoh yang diluluskan oleh Bank. Jaminan/ cagaran mungkin diperlukan untuk menyokong permohonan bagi kemudahan RF berdasarkan penilaian dalaman Bank. MUNGKIR DARIPADA MEMBAYAR Jika tiada penyelesaian pembayaran pinjaman pada tarikh matang, kemudahan untuk pengedar akan dibekukan serta-merta Amaun terhutang hendaklah ditukar kepada tunggakan. Semua kemudahan perdagangan untuk pengedar bergantung kepada struktur kemudahan akan dibekukan sebaik sahaja pinjaman tertanggak. Faedah tunggakan iaitu Kadar Pinjaman Asas (KPA) + penalti ( x%) akan dikenakan pada semua tunggakan bil. Kadar penalti semasa ialah 3.5% setahun. Tunggakan faedah hendaklah dikira dari hari bil menjadi tertunggak sehingga penyelesaian pembayaran. Tambahan Fi Tunggakan Bil RM dan GST adalah di bawah Pembekalan Di Luar Skop ( Out-of-Scope Supply ).
7 MAKLUMAT PERHUBUNGAN Untuk mendapatkan maklumat lanjut, sila hubungi kami di: Group Transaction Banking Product RHB Bank Berhad Level 3, Tower 3, RHB Centre, Jalan Tun Razak, Kuala Lumpur Tel:(603) / / / / / Atau lawati (Business / Transaction Banking) untuk maklumat perhubungan pejabat wilayah.
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