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Referral Name : KEE MOHD THARIQ BIN K ZAINAL ABIDIN

Referral Membership/CIC No. : 113977

What’s yours?

We all have dreams…….

How far exactly is our dream from where we are right now?

We all have our own dreams…….

How are you getting paid?

• Fixed Salary?

• Commissions?

• Combination of both?

Active vs Passive Income

Which one do you prefer?

If you say PASSIVE, welcome to the world of endless

opportunities…

For the rest welcome to our preview session

CONGRATULATIONS!

What is passive income?

Income that you receive without you exchanging your time and efforts.

•MLM

•Insurance

•Real Estate investment

•Dividend Income from businesses

Our obligations….

How many of us here are debt FREE?

When you apply for a financing, what are you really looking for?

Everyone looks for….

…..cheapest cost of financing

Have you ever heard of….

• a bank that is willing to share part of its profit …

• to assist you in reducing your monthly obligations…

• so that it treats you as its partner…

• and grow together with you in fulfilling your dreams.

• zero cost of financing…

• their installments paid for every month…

• their financing for free…

• additional monthly income…

What if I say that all Al Rajhi customers can get…

Introducing…..

Let’s understand how direct selling company pays their members?

• Members of direct selling company needs to make minimum purchase every month.

• Out of this minimum purchase, the company will realize its profit and a portion will be shared based on hierarchy of network within the direct selling company.

• If no purchase is made, no income will be shared. It’s that simple.

How does Al Rajhi share the profit and reward AFF members?

Al Rajhi will only realizes its profit when customers make monthly installments.

In each installment, it consists of: • Profit

• Principal / Cost


Month Beginning Amount Instalment Profit Principal End Amount

1 RM250,000 RM1,984 RM1,052 RM931 RM249,069

2 RM249,069 RM1,984 RM1,048 RM935 RM248,133

3 RM248,133 RM1,984 RM1,044 RM939 RM247,194

4 RM247,194 RM1,984 RM1,040 RM943 RM246,251

** ** ** ** ** **

** ** ** ** ** **

74 RM170,599 RM1,984 RM718 RM1,266 RM169,334

75 RM169,334 RM1,984 RM713 RM1,271 RM168,063

76 RM168,063 RM1,984 RM707 RM1,276 RM166,787

** ** ** ** ** **

** ** ** ** ** **

178 RM5,901 RM1,984 RM25 RM1,959 RM3,942

179 RM3,942 RM1,984 RM17 RM1,967 RM1,975

180 RM1,975 RM1,984 RM8 RM1,975 RM0


• Out of the profit portion, the cost of fund will be deducted to obtain the gross profit.

• Al Rajhi will share a certain percentage from this gross profit and pay to its AFF members.


•The percentage to be shared from the gross profit are as follows:

• Personal Finance 12.50%

• Home Finance 10%

• Vehicle Finance 9%


•Example for Home Finance:

Finance amount: RM250,000

Profit Rate: BFR – 1.70%

Tenure: 15 years

Monthly Installment Amount: RM1,983



Principal 1st Month: RM931

Profit 1st Month: RM1052

Cost of Fund to be deducted from 1st Month Profit = (4.23% X RM250,000 / 12) = RM881

Profit to be shared = (RM1052 – RM881) X 10% = RM17.1

How will the members be rewarded?

• Members are rewarded based on their position within the hierarchy network.

• You may refer any number of members under your network and your referred members may do the same.

• Any member can refer unlimited number of members directly under him/her.

• Profit can only be shared within 4 levels under each member.



Profit to be shared = (RM1052 – RM881) X 10% = RM17.1

As there are 4 levels to be shared, the amount each member gets at each level from the PROMPT installment will be:

RM17.1 / 4 levels = RM4.27

• Although there is no minimum monthly purchase in AFF, all members that obtained financing are required to make PROMPT payment.

• PROMPT payment is defined as payment made ON or before the due date.

• Profit of installment will not be shared if the installment is paid after the due date.


Types of membership within AFF?

Category of Membership

Classification Criteria Payment % of Accumulated Incentive

Premium Refer and maintain 14 or less financing customers to the bank within his/her four levels of network.

50%

Spectrum Refer and maintain at least 15 financing customers to the Bank within his/her four levels of network. Out of 15 financing customers in the network, 4 of them have to be in Level 1 of the network.

75%

Titan Refer and maintain at least 35 financing customers to the Bank within his/her four levels of network. Out of 35 financing customers in the network, 4 of them have to be Spectrum member.

100%

When will I get my incentive?

• On the 5th of every month, the system will check all installment payment for the previous month.

• Then all prompt accounts will be arranged in the network hierarchy and the system will apportion the payment accordingly.

• On the 7th, system will credit all incentives payable into your saving/current accounts.

What if….

• If I obtain a financing of 250k for 15 years @ 5.05%, my installment per month will be RM1,983

• How many customers that I need to refer within my network in order for me to payoff my monthly installment?

• For each referred customers of the same finance amount, each one will provide RM4.27, if they pay prompt.

• Therefore, for RM1,983 per month, you have to get 464 customers directly under you or

•you need to get only 5 customers at Level 1 and everybody does the same up to 4 levels. You will have 780 members in your network contributing RM3331.

What if….

• How many customers should there be in my network if I want to earn RM12,000 per month?

• There should be 2800 customers within your 4 levels of network each taking financing of RM250,000 and making PROMPT monthly payments.

• Or you need only 7 customers directly under you at Level 1 and everyone in your group does the same up to 4 levels downward.

In Brief….

Finance Amount RM250,000

Desired Income No of members Each to introduce

RM6,636 1554 6

RM11,958 2800 7

RM19,987 4680 8

RM31,518 7380 9

RM47,448 11110 10

RM68,777 16104 11

RM96,606 22620 12

In Brief….


Desired Income No of members Each to introduceRM10,619 1554 6

RM19,133 2800 7

RM31,980 4680 8

RM50,430 7380 9

RM75,918 11110 10

RM110,044 16104 11

RM154,570 22620 12

How much you can get in total from financing referred?

PF 500k 1mil 2mil 3mil 4mil 5mil 8mil 10mil 15mil 20mil

$4,651 $9,301 $18,603 $27,904 $37,206 $46,507 $74,412 $93,015 $139,521 $186,029

HF 100k 300k 500k 1mil 2mil 4mil 8mil 10mil 15mil 20mil

$242 $727 $1,211 $2,423 $4,846 $9,691 $19,382 $24,227 $36,341 $48,455

AF 50k 100k 200k 400k 800k 1mil 2mil 3mil 5mil 8mil

$71 $143 $285 $570 $1,140 $1,425 $2,851 $4,276 $7,127 $11,404

20 years financing

5 years financing

7 years financing

Will I be able to enjoy the shared profit immediately?

It depends on type of financing products that your friends and family take. For Personal Finance & Vehicle Finance, rewards will be shared immediately after your referred members make the prompt monthly payment.

For government servant members, monthly deduction will only commence 3 or 4 months after disbursement.

For Home Finance, disbursement may take up to 4 months and installment will commence after disbursement has been done.

What if I refer a customer and he does not want to be an AFF

member?

Membership is done at the free will of the customer.

You can still get referral income from this customer.

This customer, however, will not be eligible to refer and obtain referral income from other customers unless he joins the AFF.

You still need to register this customer in AFF as non-member. No membership fee will be levied.

All member needs to pay:

• a one time registration fee of RM50 to be deducted on the following 7th of the month after membership application is submitted & approved.

• subsequent years annual fee of RM20 to be deducted on 7th of the month of the anniversary.

No Cash will be collected by members. All fees are deductible from customers’ savings or current account.

How much does the membership cost?

Membership must be registered before a financing account is opened.

Payment of incentive will only be paid to active member.

Non active member will not receive their monthly incentive.

Renewal of membership will be done automatically on the anniversary date where Al Rajhi will deduct the annual fee from their current or saving account.

What is the difference between active and non-active member?

A statement will be provided on a monthly basis on your referred members coming from each level.

No customer details will be provided as we will infringe BNM.

Each member will be given a portal ID to check their direct recruit performance in Phase 2.

How do I know that my members paid on time?

Who is Al Rajhi targeting to be members of its AFF?

All retail financing products are eligible for this program:

• Personal Finance

• Home Finance

• Vehicle Finance

• Shop Finance (when we launch)

Who are Al Rajhi targeting to be members of its AFF – Home Finance?

• Malaysian and expatriates buying property/refinance property within locality of Al Rajhi’s branches.

• Max MOF: 90%• Foreigners / Malaysians working abroad seeking

financing for properties within ARB branches locality.

• Max MOF: 75%• Foreigners purchasing property under MM2H.

• Max MOF: 75%• Profit Rate: BFR – 1.70%• Fixed profit rate also available

How to submit applications?

• All finance applications together with AFF registration form need to be submitted to any of our branches or Direct Sales Executive.

• You will get the AFF referral incentive when your friends and family make PROMPT monthly payment.

• Sales figure will be reported under branches or the respective Direct Sales Executive.

Who are Al Rajhi targeting to be members of its AFF – Personal Finance?

For Personal Finance, Al Rajhi targets:

• Government servants through ANGKASA salary deduction

• Mass market customers with salary above RM1500 with no adverse records in CCRIS & CTOS.

•Arrangement under Al Rajhi Corporate Community Select can also be made.

• All federal staff with Federal AG payroll

• All approved state department with State AG payroll

• Selected statutory bodies and privatized government departments

Approved government servants categories…


Month Beginning Amount Instalment Profit Principal End Amount

1 RM10,000 RM238 RM139 RM98 RM9,902

2 RM9,902 RM238 RM137 RM100 RM9,801

3 RM9,801 RM238 RM135 RM103 RM9,699

** ** ** ** ** **

** ** ** ** ** **

40 RM4,451 RM238 RM49 RM189 RM4,262

41 RM4,262 RM238 RM46 RM191 RM4,071

** ** ** ** ** **

** ** ** ** ** **

58 RM699 RM238 RM7 RM231 RM468

59 RM468 RM238 RM5 RM233 RM235

60 RM235 RM238 RM2 RM235 RM0


•Example for Personal Finance:

Finance amount: RM10,000

Profit Rate: 8.50%

Tenure: 5 years

Monthly Installment Amount: RM238



Principal 1st Month: RM98.66

Profit 1st Month: RM139.34

Cost of Fund to be deducted from 1st Month Profit = (4.40% X RM10,000 / 12) = RM36.67

Profit to be shared = (RM139.34 – RM36.67) X 12.50% = RM12.59


• Members are rewarded based on their position within the hierarchy network.

• You may refer any number of members under your network and your referred members may do the same.

• Any member can refer unlimited number of members directly under him/her.

• Profit can only be shared within 4 levels under each member.



Profit to be shared = (RM139.34 – RM36.67) X 12.50% = RM12.59

As there are 4 levels to be shared, the amount each member gets at each level from the PROMPT installment will be:

RM12.59 / 4 levels = RM3.15

Some numbers for Personal Finance…



RM4,895 1554 6

RM8,820 2800 7

RM14,742 4680 8

RM23,247 7380 9

RM34,997 11110 10

RM50,728 16104 11

RM71,253 22620 12


Desired Income No of members Each to introduceRM9,790 1554 6

RM17,640 2800 7

RM29,484 4680 8

RM46,494 7380 9

RM69,993 11110 10

RM101,445 16104 11

RM142,506 22620 12

Some numbers for Personal Finance…

In Brief….



RM14,685 1554 6

RM26,460 2800 7

RM44,226 4680 8

RM69,741 7380 9

RM104,990 11110 10

RM152,182 16104 11

RM213,759 22620 12

Thank You….

..and remember to include these details in your AFF Membership Form :Referral Name : KEE MOHD THARIQ BIN K ZAINAL ABIDINReferral Membership/CIC No. : 113977

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