IMPORTANT/DISCLAIMER THIS IS AN INVESTMENT ACCOUNT PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A DEPOSIT PRODUCT.
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1 IMPORTANT/DISCLAIMER THIS IS AN INVESTMENT ACCOUNT PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A DEPOSIT PRODUCT. PRODUCT DISCLOSURE SHEET Kindly read this Prduct Disclsure Sheet tgether with the general and specific terms and cnditin attached herewith (if any) befre yu apply and decide t subscribe Affin Islamic Restricted Investment Accunt-i 1. What is this prduct abut? (Mudarabah). BRIEF INFORMATION ON THE PRODUCT AFFIN ISLAMIC RESTRICTED INVESTMENT ACCOUNT-i Sept 2016 Nt Eligible fr prtectin by PIDM. Applicable Shariah Cntract Type f Prduct Parties Invlved in the Investment Activities, Rles and Respnsibilities This prduct is based n Shariah principles f Mudarabah, under the categry f Mudarabah Muqayyadah (Restricted Mudarabah). Mudarabah is a cntract between a Custmer as an Investr / Investment Accunt Hlder (IAH) / capital prvider - Rabbul Mal and the Bank (entrepreneur - Mudarib) under which the Rabbul Mal prvides capital t be managed by the Mudarib. Any prfit generated frm the capital is shared between the Rabbul Mal and Mudarib accrding t mutually agreed prfit sharing rati (PSR) whilst financial lsses are brne by the Rabbul Mal prvided that such lsses are nt due t the Mudarib s miscnduct, negligence r breach f specified terms. AFFIN ISLAMIC Restricted Investment Accunt-i (AFFIN ISLAMIC RIA-i Mudarabah) refers t a type f specific investment accunt where the Custmer as an Investr agreed t specific investment mandate fr the Bank t invest and utilize the funds frm this accunts in specific Shariah cmpliant business activities in accrdance t its rle as the Mudarib i.e. twards specific financing prjects which require special arrangement f funding. This prduct is NOT ELIGIBLE fr prtectin by the Malaysia Depsit Insurance Crpratin (PIDM). Parties invlved in this investment are the Custmer as the Investment Accunt Hlder (Rabbul mal) and the Bank as the entrepreneur (Mudarib), where: The Custmer will invest their mney in AFFIN ISLAMIC RIA-i ( the Fund ). The Fund is then invested by the Bank int specific Cpyright 2016 Affin Islamic Bank Berhad ( V) Page 1 f 12
2 Bank s asset. The prfit generated frm the investment is t be distributed t the Custmer and the Bank based n an agreed PSR. Please refer t the Prfit Distributin Frequency sectin belw fr details. This investment is tied t the perfrmance f the underlying assets, and the principal and returns are nt guaranteed by the Bank. The financial lsses assciated with the investment (if any) are t be brne by the Custmer whilst the Bank may suffer lsses in term f effrt and time. PRODUCT SUITABILITY 2. Wh is this prduct suitable fr? Type f Investr Return Objectives AFFIN ISLAMIC RIA-i (Mudarabah) prduct suits the fllwing type Custmer that able t take the risk n the investment as the return f this accunt will be slely based n the perfrmance f investment asset: Individual investr. Crprate investr, including SMEs and Institutins. The prfits r returns knwn as EPR (Effective Prfit Rate ), if any, are dependent n the perfrmance f the Investment Asset. Althugh the EPR may appear t be higher as cmpared t the rate f returns f standard depsit r fixed depsit prducts ffered by banks, the EPR is prvided fr indicative purpses and des nt cnstitute the Bank s bligatin t generate r pay such prfit. Hlding Perid Fr Investment Redemptin shall be upn maturity r redemptin f financing facility (by the custmer f the Bank). Hwever, as this is specific arrangement f restricted investment, pre-mature r partial withdrawal f the investment by the Custmer is nt allwed within the specified investment tenure. Principal Investment This accunt is classified under Investment prduct based n the Mudarabah cntract which is nt principally guaranteed and the return r prfit (if any) will be based n investment activities. Principal is NOT GUARANTEED by the Bank and NOT ELIGIBLE fr prtectin by PIDM. Any negative returns r lsses may jepardize part r entire Investment Amunt and the lsses shall be brne Cpyright 2016 Affin Islamic Bank Berhad ( V) Page 2 f 12
3 by IAH ( Investment Accunt Hlder ) KEY PRODUCT FEATURES 3. What am I investing in? Investment Terms Current Investment Prject : Rent-a-ntebk@ICT Item : Descriptin Prject Name : Rental f Ntebk fr 24 mnths Investment Asset : Tawarruq Term Financing Facility t ICT Zne Ventures Bhd Fund Raising : RM4,000, Amunt Investment Tenure : Max 24 mnths Indicative Effective : 6.08% per annum n the Prfit Rate (EPR) utstanding amunt. The EPR is nt guaranteed. The indicative EPR prvided is an indicative rate based n prevailing cnditins. Eligibility Minimum Initial Placement Tenure Individuals / Jint / Partnerships / Sle Prprietr Cmpanies / Clubs / Scieties / Assciatins RM10, Max f 24 mnths. N pre-matured withdrawal is allwed. Prfit Sharing Rati (PSR) Investr (%) Bank (%) Cpyright 2016 Affin Islamic Bank Berhad ( V) Page 3 f 12
4 Sample Prfit Calculatin Date f placement Date f first prfit payable Investment amunt (Principal) 01/08/2016 Prfit Payment Mde Mnthly Prfit Sharing Custmer:Bank 31/8/2016 Rati 80:20 RM10,000 Indicative EPR 6.08% pa Frmula fr Prfit Calculatin: Principal x EPR x 31/365 Days Eg :Prfit Payable t Custmer based n Investment f RM10,000-00: RM10,000 x 6.08% x 31/365 = RM51.64 Expected Prfit Rate (EPR) 6.08% pa n the utstanding Investment Accunt and based n current BFR f 6.60%. The EPR is nt guaranteed. The expected EPR prvided is an indicative rate based n prevailing cnditins. The EPR shall be paid t the IAH frm, and subject t receipt f, prfit payments under the Financing Facility based n the predetermined PSR. Payment Distributin Frequency Prfit is payable t IAH n mnthly basis cmmencing frm the end f the first mnth after the Effective Date, frm and subject t receipt f prfit payment under the Financing Facility. Opening f Accunt (CASA-i) Dcuments Required Fr Accunt Opening Over-the-cunter (OTC). Individual (i) Mykad/MyTentera/MyPR/Army ID/Plice ID (ii) Passprt ( fr Nn-Resident ) Nn-individual (i) Business / Organisatin Registratin Number (ii) Bard f Directrs Reslutin (iii) Apart frm the abve, the IAH must als prduce any ther dcuments as required by IAP Integrated S/B (IAP) and Bank. Cpyright 2016 Affin Islamic Bank Berhad ( V) Page 4 f 12
5 Clsing f Accunt / Redemptin Prduct Features Redemptin f the Fund:- (i) Redemptin nly upn maturity f underlying assets. (ii) Redemptin upn full settlement f underlying assets. (iii) Redemptin nly upn sale / realizatin f assets t a third party (ther than the Bank). (iv) Partial / Pre-mature redemptin by IAH is nt allwed. (v) The clsing and redemptin f funds can be made via ver-the-cunter. Features Investment Structure and Perid Descriptin The investment structure is divided int tw distinct investment perids : The first perid is between the date the IAH places the Investment Amunt with the Bank ( Investment Date ) at any pint f time during the fund raising perid ( Campaign Perid ) until the end f Campaign Perid. On the Investment Date, the IAH shall depsit the Investment Amunt int the IAH s Current Accunt r Savings Accunt ( CASA/CASA-i ) with the Bank and the amunt will be earmarked by the Bank until the end f the Campaign Perid. The IAH is nt allwed t withdraw the investment during the Campaign Perid as the funds have been earmarked by the Bank thrughut the Campaign Perid. In the event the fund raising is cancelled, the funds will be released by the Bank and can be withdrawn by the IAH. The secnd perid is between the day after the end f Campaign Perid )( Effective Date ) until the maturity date f the investment ( Investment Tenure ). On the Effective Date, the Bank shall debit the Investment Amunt frm the IAH s CASA/CASA-i ( which amunt had been earmarked earlier ), create RIA-I and invest the Investment amunt int the Investment Asset n behalf f the IAH. The IAH is nt allwed t withdraw the investment until maturity f the investment. Principal and prfit will be paid n mnthly basis r any ther payment frequency as per the Investment Terms via the IAH s CASA/CASA-i. Cpyright 2016 Affin Islamic Bank Berhad ( V) Page 5 f 12
6 The Investment int the Investment Asset shall be dne by way f Mudharabah transactin between the Venture, as the Purchaser and the IAH, as the Seller f the cmmdities at the agreed price via the Bank as Wakil CASA/CASA-i As a requirement fr investing in RIA-I, the IAH is encuraged t have an existing CASA/CASA-i with the Bank, therwise the IAH is encuraged t pen CASA-i with the Bank prir t Investment in RIA-i. Ratinale The IAH s CASA/CASA-i shall be debited with the Investment Amunt during the creatin f RIA-i. The IAH s CASA/CASA-i shall be credited with the prfit r principal f the RIA-I, if any, upn maturity f the investment r any ther payment frequency as per the Investment Terms. The IAH s CASA/CASA-i shall be debited with fees and charges (if any ). Payment Methd The investment in RIA-I shall be made by way f debiting the IAH s CASA/CASA-i. Financing Facility Terms Custmer ICT Zne Ventures Bhd ( C n : M) Financing Type Tawarruq Term Financing-i Amunt Upt RM4,000, Tenure Max f 24 mnths Purpse T part finance 70% f the capital expenditure related t the fllwing cntract r upt maximum f RM4.0 millin, whichever is lwer Perkhidmatan Membangun, Mencetak dan Menghantar Prgram Pembelajaran Bersepadu Serta Melatih Jurulatih Untuk Menyampaikan Sub Prgram Tech+Talk Bagi Jabatan Latihan Khidmat Negara, Kementerian Pertahanan by Ministry f Defence under item (B) : Sewaan Kmputer Riba. Cntract Awarder/Lessr : Starza Crpratin S/B Cntract Recipient / Lessee : ICT Zne Ventures Bhd Letter f Award /Cntract Agreement between MINDEF and Starza Crpratin S/B t lease the ntebks Sub/Lease Agreement between Starza Crpratin S/B and ICT Zne Ventures Bhd t sublease the ntebks Current financing allwed reimbursement t ICT Zne Ventures Cpyright 2016 Affin Islamic Bank Berhad ( V) Page 6 f 12
7 (i) (ii) (iii) Bhd subject t receipt f satisfactry dcumentary evidence acceptable t the Bank as fllws : Certified True Cpy f Purchase Order frm MINDEF Certified True Cpy f Invices Certified True Cpy f the Delivery Order duly signed by the authrized signatries Prfit rate BFR + 1% pa = 7.60% pa The Bank s prevailing BFR is 6.60% per annum. Payment The Bank shall be entitled t vary the BFR and the margin in the Bank s sle and abslute discretin at any time and ntificatin f such variatin may be by way f advertisement in any newspaper circulating in Malaysia, r by ntice displayed at the Bank s premises r such ther mde as the Bank deems fit. Principal and prfit shall be paid n mnthly basis and the breakdwn is as fllws : N. Principal Prfit Installment 1 155, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Cpyright 2016 Affin Islamic Bank Berhad ( V) Page 7 f 12
8 16 170, , , , , , , , , , , , , , , , , , , , , , , , , , , Security 1. Tawarruq Facility Agreement t be stamped fr RM4,000, as Principal Instrument. 2. Islamic Jint & Several Guarantee fr RM4,000, is t be executed by the fllwing persn(s) in their persnal capacity, namely: Name NRIC N. (i) Ng Thien Phing (ii) Lim Kk Kwang (iii) Zafidi Bin Mhamad Irrevcable Letter f Ntificatin frm Starza Crpratin Sdn Bhd t MINDEF and duly acknwledged by MINDEF, t remit the cntract prceeds directly t the Starza s escrw accunt with the Bank. 4. Specific Deed f Assignment f cntract prceeds t be executed between Custmer and the Bank fr the cntract t be financed by the Bank. 5. Tripartite Deed f Assignment ver the cntract prceeds between Custmer, Starza Crpratin Sdn Bhd and the Bank. 6. Upfrnt three (3) mnths installments is t be maintained with the Bank at all times. Letter f Set-Off ( LOSO ) and Memrandum f Depsit ( MOD ) is t be duly executed and stamped. 7. Charge ver Custmer s and Starza Crpratin Sdn Bhd s escrw accunt and all mnies standing t the credit f the accunt. Issuance Certificate f An Investment Certificate will be issued t the IAH upn cmpletin f investment creatin n the Effective Date which will incrprate the accunt number, investment amunt and ther details f the investment. Cpyright 2016 Affin Islamic Bank Berhad ( V) Page 8 f 12
9 Prfit Payment On mnthly basis and will be cmputed based n EPR. The prfit amunt shall be credited t IAH s CASA/CASA-i r any ther payment instructin as accepted by the Bank frm time t time The prfit payment frequency as stated abve shall be agreed upfrnt by the IAH The IAH shall be entitled t the effective yield generated frm the Investment Asset and subject t the perfrmance f the Investment Asset and agreed PSR ( Prfit Sharing Rati) Prfit Sharing 80:20 IAH : Bank Rati Redemptin The IAH may nly redeem the investment n the maturity date. Pre-mature redemptin is NOT ALLOWED. Hwever, the IAH may withdraw the credited prfit and principal frm the IAH s CASA/CASA-i depending n the payment frequency Tax Incentive Individual investrs are given incme tax exemptin n prfits earned frm qualifying investments fr three(3) cnsecutive years. Sale and transferability f the investment Accunt Statement Nte This exemptin applies t investments made frm year 2015 t The investment is nt a negtiable instrument Will be prvided n mnthly basis 4. What are the pssible utcmes f investment? IAH may ptentially gain higher prfit frm the psitive perfrmance f the specific underlying asset. Hwever, IAH may als lse any f r all the investment in case f failure f the specific underlying asset. The principal and returns f the investment are nt guaranteed in the event the Fund incurs lsses r des nt perfrm as expected r due t reductin in BFR under the Financing Facility. Any lsses arising frm the investment and business under the Mudarabah shall be brne by the custmer, as capital prvider unless they are due t the mismanagement f fund by the Bank. KEY RISKS 5. What are the key risks assciated with this prduct? Ntwithstanding that the Bank shall emphasize n risk management cntrl ver legal and peratinal activities, asset allcatin, investment bjective, valuatin, perfrmance and mnitring, and thers as per guided in BNM s Investment Plicy, Custmer is advised t carefully cnsider and shuld be aware f all varius fllwing risk factrs assciated with AFFIN ISLAMIC RIA-i (Mudarabah) befre making an investment. Cpyright 2016 Affin Islamic Bank Berhad ( V) Page 9 f 12
10 The fllwing risk may ccur which may cause lsses t Investment:- Risk f capital lss Market Risk Liquidity Risk Any investment may expse Custmer t risk f capital lss, subject t perfrmance f underlying asset. Invested assets are subjected t fluctuatins in market rates, which have ptential impact f price mvement (prfit rate, exchange rate - if any) and verall incme perfrmance f the Fund. The investment assets are nt listed, nn-transferable and nn-tradeable investment prduct. Hence, it carries the risks stemming frm the lack f marketability f an investment that cannt be bught r sld quickly enugh t prevent r minimise a lss r ptimise any gain. Credit Risk Operatinal Risk Regulatry Nn-Cmpliance Risk Shariah Nn-Cmpliance Risk Cuntry Risk Industry/Sectr Risk This risk may arise when the financing asset ges int default. Hence, careful selectin and strict gvernance shall be applied by the Bank in the decisin making prcess. Ptential lss resulting frm inadequate f failed f internal prcess, peple, systems r external events. Such situatin ccurs when the investment fails t adhere t the investment parameters set frth by the relevant regulatrs. The risk shall be managed by the Bank in accrdance with its verall plicies and prcedures. Failure t cmply with the Shariah rulings f Shariah Advisry Cuncil f BNM and Shariah Cmmittee f the Bank may result in a breach. Endrsement frm Shariah fr Disclsure dcuments, plicies and prcedures, manual, prmtinal materials, publicatins and investment accunt peratins shall be btained. Plitical and ecnmic stability f the cuntry may influence the grwth and perfrmance f the investment asset. Every industry/sectr is expsed t varius risk elements. As such, diversificatin and careful selectin f such industry/sectr are critical t the Bank in managing such risk. Cpyright 2016 Affin Islamic Bank Berhad ( V) Page 10 f 12
11 6. What are the fees and charges invlved? FEES AND CHARGES Item Tariff Stamp duty RIA-i agreement Stamp duty Mandate cum indemnity (applicable fr Jint Accunt hlder) Ad Hc statement request (Additinal request n tp f scheduled statement) Ad-hc asset perfrmance reprt (Additinal requested n tp f scheduled reprt) Nte: Reprt is defined as asset perfrmance reprt. Replacement f Lst Certificate RM10.00 RM10.00 RM10.60 RM63.60 RM10-00 GST (if applicable) 6% Details n fees and charges impsed fr this prduct are available at the Bank s website and as displayed at branches. If there is any changes t the fees and charges frm the abve structure, the Bank will cmmunicate t IAH at least seven (7) calendar days prir t the effective date VALUATION 7. What is the valuatin strategy adpted frequency & where will the valuatins be published? The Investment Assets are cnsidered as financing and receivables. Financing and receivables are nn-derivative financial assets with fixed r determinable payments that are nt quted in an active market. These financial assets are initially recgnized at fair value, including direct and incremental transactin csts, and subsequently measured at amrtised cst using the effective prfit methd. Mnthly r quarterly reprts will be prvided t the IAH n the perfrmance f the Investment asset. CONTACT INFORMATION What d I need t if there are changes t my persnal details? It is imprtant that yu infrm us f any changes in yur persnal details t ensure that all crrespndences reach yu in a timely manner. The ntificatin must be in writing and mail r deliver by hand t ur nearest Affin Islamic Bank r Affin Bank branches. 8. Wh shuld I cntact fr further infrmatin r t ldge a cmplaint? Shuld yu require additinal infrmatin abut this prduct, please refer t the prduct infrmatin available at all f ur nearest Affin Islamic Bank r Affin Bank branches r visit / Cpyright 2016 Affin Islamic Bank Berhad ( V) Page 11 f 12
12 Shuld yu require additinal infrmatin abut investment, please refer t the bankinginf bklet n Investing Yur Mney, available at all ur branches and the website. If yu have any enquiries, please cntact ur Call Centre at r t yurvice@affinbank.cm.my. If yu are dissatisfied with the utcme f the internal dispute reslutin prcess, please refer yur dispute t the BNM TELELINK, a) via phne t : ( LINK) b) via fax t : c) via t : bnmtelelink@bnm.gv.my d) via letter t : Laman Infrmasi Nasihat dan Khidmat (LINK) Bank Negara Malaysia P.O Bx Kuala Lumpur. WARNING THE RETURNS ON THIS INVESTMENT ACCOUNT WILL BE AFFECTED BY THE PERFORMANCE OF THE UNDERLYING ASSETS. THE PRINCIPAL AND RETURNS ARE NOT GUARANTEED AND CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE INVESTMENT IS NOT PROTECTED BY PERBADANAN INSURANS DEPOSIT MALAYSIA ( PIDM ) The infrmatin prvided in this disclsure sheet is valid as at 30 th September Disclaimer: This Prduct Disclsure Sheet is fr infrmatin purpses nly and des nt cnstitute any advice n any matter discussed. All infrmatin and materials including thse n services, prducts, financial infrmatin, data, text r ther items are prvided strictly as is, and as available and is s prvided fr yur infrmatin and reference nly. AFFIN ISLAMIC des nt guarantee the usefulness r adequacy f the infrmatin prvided and shall nt be liable fr any errrs and will nt be respnsible fr the cnsequences f reliance upn any pinin r statement cntained herein r fr any missin. The precise terms and cnditins f these prducts are specified in the GENERIC AND SPECIFIC TERMS & CONDITIONS APPLICABLE FOR ALL ISLAMIC DEPOSIT ACCOUNTS / PRODUCTS / SERVICES and ther terms and cnditins applicable fr these prducts (if any) which are available at AFFIN ISLAMIC r AFFIN BANK branches and at / In the event f any incnsistency (ies), cnflict(s), ambiguity (ies) r discrepancy (ies) between the Bahasa Malaysia and the English versin f this Prduct Disclsure Sheet, the English versin f these Prduct Disclsure Sheet shall prevail. Ntwithstanding the afrementined where request is made by the custmer fr the Bahasa Malaysia versin f the Prduct Disclsure Sheet herein, Affin Islamic Bank shall prvide the same t the custmer and if the agreement is entered int n this basis, then the Bahasa Malaysia versin f the Prduct Disclsure Sheet shall prevail. This Prduct Disclsure Sheet is cnfidential and may nt be reprduced (in whle r in part) t any ther persn withut the prir written permissin f AFFIN ISLAMIC BANK BERHAD. Cpyright 2016 Affin Islamic Bank Berhad ( V) Page 12 f 12
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