*Note: For rank of Second Lieutenant or equivalent and below, the age upon application MUST not less than 5 years from the date of retirement.
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1 PRODUCT DISCLOSURE SHEET BSN MyRinggit-i Date : (To be filled in by Sales / Branch Personnel) (Read this Product Disclosure Sheet before you decide to take out the BSN MyRinggit-i. Be sure to also read the terms in the letter of offer. Seek clarification from BSN if you do not understand any part of this document or the general terms). 1. What is this product about? This is an unsecured personal financing calculated on a flat rate basis. The terms and conditions are as follows : Malaysian citizen aged 21 to 60 years old (subject to retirement age at the end of the financing tenure)*. Open to all rank of Malaysian Armed Forces (MAF) staff. Permanent employee who has been employed for 3 months. Minimum gross income (basic salary + fixed allowance) of RM3,000 per month - Lieutenant or equivalent and above) Minimum basic salary of RM3,000 per month - Second Lieutenant or equivalent and below. Monthly salary payment must be through BSN e-payment system. BSN Giro/i account holder. *Note: For rank of Second Lieutenant or equivalent and below, the age upon application MUST not less than 5 years from the date of retirement. 2. What is the Shariah concept applicable? The Shariah concept used is Commodity Murabahah (Tawarruq) which comprises of Bai Murabahah and Wakalah contracts using the commodity (underlying asset) from Bursa Suq al Sila (BSAS). Commodity Murabahah is referring to trading of commodities which acts as underlying assets of a transaction and customer makes payment of the sale price of the commodities on deferred basis with cost plus profit. Under the Wakalah contract, customer appoints Bank as his / her agent to sell the commodity to third party. With the concept of Tawarruq, customers will receive cash in exchange for the commodities being sold off to a third party. 3. What do I get from this product? Total selling price : RM 165, Total amount finance : RM 100, The profit rate of this scheme is 6.50% per annum. For rank of Lieutenant or equivalent and above : The Bank shall grant a fixed Ibra Mu allaq (Conditional Ibra ) of One Point Five One Per centum (1.51%) per annum. However, Ibra Mu allaq will be ceased immediately due to the end of your service from MAF and / or if you change the salary account to another bank or financial institution and / or failed to pay any instalment on time as determined by the Bank. If the Ibra Mu allaq (Conditional Ibra ) is ceased, the Profit Rate will remain until end of the financing tenure. Profit rate & Effective profit rate (after Ibra Mu allaq of 1.51%) : Tenure (years) Profit Rate (% per annum) 4.99 Effective Profit Rate (%) For rank of Second Lieutenant or equivalent and below : The Bank shall grant a fixed Ibra Mu allaq (Conditional Ibra ) of One Point Two One Per centum (1.21%) per annum. However, Ibra Mu allaq will be ceased immediately due to the end of your service from MAF and / or if you change the salary account to another bank or financial institution and / or failed to pay any instalment on time as determined by the Bank. If the Ibra Mu allaq (Conditional Ibra ) is ceased, the Profit Rate will remain until end of the financing tenure.
2 Profit rate & Effective profit rate (after Ibra Mu allaq of 1.21%) : Tenure (years) Profit Rate (% per annum) 5.29 Effective Profit Rate (%) Tenure : 10 years Note : The above example is only for illustration. 4. What are my obligations? For rank of Lieutenant or equivalent and above : Based on the profit rate of 4.99% (after Ibra Mu allaq of 1.51%) : Monthly instalment : RM 1, The total payment amount at the end of 10 years is RM 149, The total profit cost at the end of 10 years is RM 49, For rank of Second Lieutenant or equivalent and below : Based on the profit rate of 5.29% (after Ibra Mu allaq of 1.21%) : Monthly instalment : RM 1, The total payment amount at the end of 10 years is RM 152, The total profit cost at the end of 10 years is RM 52, *Please refer the Monthly Instalment Schedule as attached. Note : The above example is only for illustration. 5. What other fees do I have to pay? a) Stamp Duty As per the Stamp Duty Act 1949 (Revised 1989) b) Takaful contribution coverage (optional) May vary based on age / tenure / financing c) Advance payment Equivalent to 2 months of monthly instalment d) Will Fee (if any) RM500 e) Contribution of Cash Protection-i Scheme (optional) RM What if I fail to fulfil my obligations? Late payment charges (Ta widh) will be imposed as follow : Within the Facility Period Overdue instalment(s) x 1% x No. of overdue day(s) 365 After the Facility Period Outstanding principal x IIMM* x No. of overdue day(s) 365 Note : *Islamic Interbank Money Market (IIMM) refers to the rate as determined by Bank Negara Malaysia (BNM) from time to time.
3 Ibra Mu allaq will be ceased if you commit any of the following events : (a) early retirement from MAF services; (b) quit or resign from MAF services; (c) terminated by MAF; (d) change BSN Salary Account to other bank or financial institutions; (e) fail to pay any of the Instalments in accordance with the repayment schedule as stipulated by the Bank. The Bank may set-off or transfer any credit balance in your account maintained with the Bank against any outstanding amount in this financing account by giving seven (7) days prior notice before such set-off or transfer. Legal action will be taken if you fail to respond to reminder notices and legal cost will be borne by you - if applicable. Legal action against you may affect your credit rating leading to credit being more difficult or expensive to you. 7. What if I fully settle the financing before its maturity? Early settlement is allowable at any time by giving written notice to the Bank. The Bank shall grant Ibra (rebate) to the customer where there is : (i) Early settlement or for early redemption of the financing; or (ii) Settlement of the original financing contract due to financing restructuring exercise; or (iii) Settlement by Customer in the case of default; or (iv) Settlement by Customer in the event of termination or cancellation of financing before the maturity date. The applicable formula for Ibra = Deferred Profit - Early Settlement Charges (if any). Bank reserves the rights to charge any fees and charges which represent the actual charges advanced by the Bank for the facility or any actual cost incurred by the Bank as a result of early settlement. 8. Do I need a guarantor or collateral? Guarantor is not applicable for this product. Collateral is not applicable for this product. 9. What do I need to do if there are changes to my contact details? It is important that you inform us any changes in your contact details (in writing or ) to ensure that all correspondences reach you in the timely manner. 10. Where can I get assistance and redress? If you have difficulties in making monthly payments, you should contact us earliest possible to discuss payment alternatives. You may contact us at : Address : (Name of the branch), BSN,,. Tel : Fax : (to be filled in by Sales / Branch Personnel) Alternatively, you may seek the services of Agensi Kaunseling dan Pengurusan Kredit (AKPK), an agency established by Bank Negara Malaysia to provide free services on money management, credit counselling and debt restructuring for individuals. You can contact AKPK at : Address : Tingkat 8, Maju Junction Mall, 1001, Jalan Sultan Ismail, Kuala Lumpur. Tel : enquiry@akpk.org.my If you wish to complaint on the products or services provided by us, you may contact us at : Address : Customer Service Center, Bank Simpanan Nasional. Tel : / Fax : customercare@bsn.com.my
4 If your query or complaint is not satisfactorily resolved by us, you may contact Bank Negara Malaysia LINK or TELELINK at : Address : Block D, Bank Negara Malaysia, Jalan Dato Onn Kuala Lumpur. Tel : Fax : bnmtelelink@bnm.gov.my 11. Other personal financing packages available Bil Product Segment 1 BSN MyRinggit-i BPA Employees of Government Agencies 2 BSN MyRinggit-i Eksekutif -1 Private Employees 3 BSN MyRinggit-i SCOP PDRM Employees 4 BSN MyRinggit-i SKAN State Government Employees 5 BSN MyRinggit-i SKAP Federal Government Employees 6 BSN MyRinggit-i PRIMA Doctors / Medical Officer 7 BSN MyRinggit-i Sandaran BSN SSP BSN SSP Certificate / Unit Holder IMPORTANT NOTE : LEGAL ACTION MAY BE TAKEN AGAINST YOU IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR PERSONAL FINANCING. DISCLAIMER: The terms and conditions indicated in this Product Disclosure Sheet are tentative / indicative and not binding on the Bank. The final terms and conditions are as stipulated in the Notification Letter of Offer and Facility Agreement after financing approval. Hereby I have read and understand the terms and conditions above. Customer s Signature The information provided in this disclosure sheet is valid as at or until.
5 MONTHLY INSTALMENT SCHEDULE PROFIT RATE OF 4.99% (after Ibra Mu allaq of 1.51%) FOR RANK OF LIEUTENANT OR EQUIVALENT AND ABOVE PROFIT RATE OF 5.29% (after Ibra Mu allaq of 1.21%) FOR RANK OF SECOND LIEUTENANT OR EQUIVALENT AND BELOW
6 PROFIT RATE OF 6.50% (before Ibra Mu allaq)
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