PERSONAL FINANCING-i FOR GOVERNMENT SERVANT APPLICATION FORM /BORANG PERMOHONAN PEMBIAYAAN PERIBADI-i UNTUK SEKTOR AWAM

FACILITY DETAILS / BUTIRAN KEMUDAHAN

Personal Financing Amount Requested RM Amaun Pembiayaan Peribadi yang dikehendakiPayment Period (months)Tempoh Bayaran (bulan) _________________ Months / BulanPurpose of FinancingTujuan Pembiayaan ____________________________________

PERSONAL DETAILS / BUTIRAN PERIBADI

**RESIDENCE DETAILS / BUTIRAN KEDIAMAN

EMPLOYMENT DETAILS / BUTIRAN PEKERJAAN

MyKad No. / No. MyKad

Old IC / KP Lama

Mr / Encik Mrs / Puan Ms / Cik

Others (Please Specify) Lain-lain (Sila Nyatakan) __________________

Name as per MyKad / Nama seperti MyKad____________________________________________________________________

Sex / Jantina Male / Lelaki Female / Perempuan

Date of Birth /Tarikh Lahir

dd / hh mm / bb yy / tt

Nationality / Warganegara _______________________________

Residential Address / Alamat Kediaman ______________________________________________________________________________________________________________________________

Name of Department / Nama Jabatan ______________________Address / Alamat ____________________________________________________________________________________________________________________________________________________

Years of Service / Tempoh BerkhidmatPosition /

Jawatan

___________________________Annual Income / Pendapatan Tahunan ______________________Other Income / Pendapatan Lain ___________________________Status of Employment / Status Pekerjaan_____________________

Permanent Address (If different from residential address) /Alamat Tetap (Jika berlainan daripada alamat kediaman)_______________________________________________________________________________________________________________________________________________________________

Postcode / Poskod

Residence is / KediamanOwned /Milik Sendiri

Years there / Tempoh Menetap __________________

Marital Status / Taraf Perkahwinan

SingleBujang

MarriedKahwin

DivorcedJanda/Duda

WidowedBalu/Duda

No. of Dependents / Bilangan Tanggungan _________________

Email / Emel___________________________________________

REQUIRED DOCUMENTS / DOKUMEN DIPERLUKAN

**PERSONAL SECURITY REFERENCE / RUJUKAN KESELAMATAN PERIBADI

Mother’s Maiden Name / Nama Ibu Sebelum Kahwin______________________________________________________

**PERSONAL REFERENCE / RUJUKAN PERIBADI

Referral Name and Contact No. / Nama Rujukan dan No. Telefon____________________________________________________________________________________________________________

*Please use a black ball-point pen ONLY / Sila gunakan pen dakwat hitam SAHAJA **Mandatory to fill in / Wajib dilengkapkan. All documents must be verified by employer / Head of Department / Dokumen-dokumen harus disahkan oleh majikan / Ketua Jabatan

Rented /Disewa

Family Owned /Milik Keluarga

Mortgaged /Digadai

Employer /Majikan

Mailing Address /Alamat Surat-menyurat

Residence /Alamat Kediaman

Office /Pejabat

Postcode / Poskod

Postcode / Poskod

**Office Tel. No. / No. Tel. Pejabat

Office Tel. No. / No. Tel. Pejabat

**House Tel. No. / No. Tel. Rumah

**Mobile Tel. No. / No. Tel. Bimbit

Office Tel. No. / No. Tel. Pejabat

SPOUSE’S DETAILS / MAKLUMAT SUAMI / ISTERI

Name as per MyKad / Nama seperti MyKad_______________________________________________________

Name of Company / Department / Nama Syarikat / Jabatan

Unit / Unit _____________________________________________

Position / Jawatan _______________________________________

Address / Alamat ______________________________________________________________________________________________

_____________________________________________________________________

MyKad No. / No. MyKad

**EMERGENCY CONTACT PERSON / RUJUKAN SEMASA KECEMASAN(Family Members Not Living With You)/( Ahli Keluarga Yang Tidak Tinggal Bersama)

Postcode / Poskod

Name / Nama ___________________________________________Relationship / Hubungan __________________________________

Address / Alamat ______________________________________________________________________________________________

House Tel. No. / No. Tel. Rumah

Mobile Tel. No. / No. Tel. Bimbit

Primary/Secondary /Rendah/Menengah

Diploma/Diploma

Degree /Ijazah

Masters/Phd /Sarjana/Doktor Falsafah

Academic Qualification / Kelayakan Akademik

Malay /Melayu

Bumiputera /Bumiputera

Chinese /Cina

Indian /India

Others /Lain-lain

Race / Bangsa

REQUIRED DOCUMENTS / DOKUMEN DIPERLUKAN2 copies of MyKad (front and back) /2 salinan MyKad (depan dan belakang)

1 original + 1 copy of Employee Confirmation Letter (with Employer’s Letterhead) /

1 salinan asal + 1 salinan Slip Gaji (Terkini 3 bulan)

1 original Redemption Statement of other banks/FIs (if any)/ 1 salinan asal Penyata Penebusan dari Bank-bank lain/ Institusi Kewangan (jika berkenaan)

___________________________

1 original + 1 copy of Salary Slip (Latest 3 months) /

1 salinan asal + 1 salinan Surat Pengesahan Jawatan dari Majikan (dengan Kepala Surat Rasmi Majikan)

SILA ISI DI SEMUA RUANGAN DENGAN PEN HITAM WAJIB DI ISI NO

PASANGAN

PASANGAN /SAUDARA

FINANCING TRANSACTIONS AND EXPOSURE WITH CONNECTED PARTIES /TRANSAKSI PEMBIAYAAN DAN PENDEDAHAN DENGAN PIHAK BERKAITAN

( ) Yes / Ya ( ) No / Tidak

PEMBAYARAN

DECLARATION / PENGESAHAN

DISBURSEMENT /

Please provide the Bank’s name and sole account number. / Sila nyatakan nama Bank dan nombor akaun tunggal.

Account No. / No. Akaun

I declare, confirm and undertake that the details of the account stated above are correct and valid and that it is an individually-heldaccount which is active and non-dormant (i.e. not inactive for more than 6 months). I acknowledge that there could be delays in theprocessing of my application or that the Personal Financing-i for Government Servant amount may not be credited into my account if the details given are not correct. Any charges imposed or levied on the account shall be my sole and absolute responsibility and liability. /Saya mengakui, mengesahkan dan mengakujanji bahawa butiran akaun yang dicatatkan di atas adalah pegangan individu yang aktif dan tidak dorman (iaitu bukan tidak aktif selama 6 bulan). Saya akui bahawa mungkin berlaku kelewatan di dalam pemprosesan permohonan saya atau jumlah Pembiayaan Peribadi-i untuk Sektor Awam mungkin tidak dapat dikreditkan ke dalam akaun saya sekiranya butiran yang diberikan tidak betul. Sebarang bayaran yang dikenakan atau dilevikan ke atas akaun tersebut adalah tanggungjawab dan liabiliti saya sepenuhnya.

Do you have any immediate family or close relatives (including parent, brother/sister and their spouses, dependents of the spouse and own/step/adopted children and spouse of the child/children) that are employees of RHB Banking Group? / Adakah anda mempunyai ahli keluarga atau saudara terdekat (termasuk ibu bapa, abang / kakak / adik dan pasangan mereka dan tanggungan kepada pasangan, anak sendiri/ tiri / angkat dan pasangan tanggungan) yang merupakan kakitangan Kumpulan Perbankan RHB?

I hereby confirm and declare that all information provided by me is complete, true and correct and that I authorize RHB Islamic BankBerhad (“the Bank”) to verify any information provided and to obtain from any source including Inland Revenue Board as the Bank considers appropriate any information which the Bank may require. The Bank may, at its sole and absolute discretion, approve or reject my application. I agree that by signing and / or using the financing facilities, I agree to be bound by and to comply with all the terms and conditions of the Bank which will be sent to me upon approval of my application and any other terms and conditions imposed by the Bank from time to time for financing facilities and all amendments thereto and agree that financing facilities may only be used subject to such terms and conditions. I understand that the financing facilities when issued remain the property of the Bank and must be paid to the Bank upon request and shall be subject to cancellation with prior notice. I irrevocably and unconditionally agree, authorize and permit the Bank to disclose or release to Bank Negara Malaysia, Cagamas Berhad, the credit bureau established by Bank Negara Malaysia including but not limited to the Central Credit Reference Information System (CCRIS) and such other authorities pursuant to any applicable law, regulations or directive (whether having the force of law or otherwise) or any party as the Bank shall deem fit, any information with respect to me for any purpose including but not limited to the purpose of assessing my credit worthiness. I hereby confirm that no further permission or consent from me is necessary or required in relation to all of the above disclosures. I hereby declare that I have not breached or contravened the provisions of Section 57 of the Islamic Financial Services Act 2013 read together with Bank Negara Malaysia (BNM) Guidelines on Credit Transactions and Exposures with Connected Parties for Islamic Banks and/or of any replacement standards/guidelines/specifications/ circulars issued by BNM from time to time in connection herewith. I further declare and confirm to the Bank that my spouse, parents, child/children are not in the employment of or directly related to any of the directors, officers or employees of the Bank. I shall not dispute the contents of the faxed copy received by RHB Islamic Bank Berhad which shall be deemed as the original application and I shall produce the original application to the Bank upon request. I agree to abide by the laws of Malaysia related to Anti-Money Laundering and Counter Financing of Terrorism. I have been briefed on the description and benefits pursuant to the Product Disclosure Sheet that has been given to me on the RHB Islamic Personal Financing-i for Government Servant herein. /

Bank’s Name / Nama BankSILA ISI NAMA BANK UNTUK PROSES DISBURSE

X

____________________________________________________________________________________________________________

Signature of Applicant / Tandatangan Pemohon

_________________________________________________________

Date / Tarikh

( ) Yes / Ya ( ) No / Tidak

FOR BRANCH/SALES USE ONLY / UNTUK KEGUNAAN CAWANGAN/JUALAN SAHAJA

Referred by / Dirujuk oleh

Name / Nama :Staff ID / No. Pekerja :Branch Stamp / Cop Cawangan :

Supported by / Disokong oleh

Name / Nama :Staff ID / No. Pekerja :Branch Stamp / Cop Cawangan :

Organisation Code /Kod Organisasi

Program Code /Kod Program

Branch Code /Kod Cawangan

Staff ID No. /No. ID Pekerja

Saya dengan ini mengesahkan dan mengaku bahawa kesemua maklumat yang diberikan oleh saya adalah lengkap, benar dan tepat dan saya memberi kebenaran kepada RHB Islamic Bank Berhad (“Bank”) untuk mengesah sebarang maklumat yang diberikan dan mendapat daripada mana-mana sumber termasuk Lembaga Hasil Dalam Negeri sebarang maklumat yang dianggap perlu atau diperlukan oleh Bank. Bank berhak atas budi bicara mutlaknya untuk melulus atau menolak permohonan saya. Saya bersetuju dengan menandatangani dan / atau menggunakan kemudahan pembiayaan ini, saya bersetuju untuk diikat oleh dan mematuhi dengan kesemua terma-terma dan syarat-syarat perjanjian Bank yang akan dihantar kepada saya setelah permohonan saya diluluskan dan kesemua terma-terma dan syarat-syarat lain yang dikenakan oleh Bank dari semasa ke semasa untuk kemudahan pembiayaan dan semua pindaan lain dan bersetuju bahawa kemudahan pembiayaan hanya boleh digunakan tertakluk kepada apa-apa terma-terma dan syarat-syarat. Saya faham bahawa kemudahan pembiayaan apabila diluluskan adalah sentiasa hakmilik Bank dan hendaklah dibayar kepada Bank apabila diminta dan boleh dibatalkan oleh Bank dengan notis terdahulu. Saya dengan perihal tidak boleh dibatalkan dan dengan tiada syarat bersetuju, memberi kebenaran dan membenarkan Bank untuk memberi kepada Bank Negara Malaysia, Cagamas Berhad dan biro kredit yang ditubuhkan oleh Bank Negara Malaysia termasuk tetapi tidak terhad kepada Sistem Maklumat Rujukan Kredit Pusat dan lain-lain pihak berkuasa di bawah sebarang undang-undang, peraturan atau perintah (samada mempunyai kuasa undang-undang atau tidak) atau mana-mana pihak yang ditentukan sesuai dan berkenaan oleh Bank, sebarang maklumat berkenaan dengan saya untuk apa-apa tujuan termasuk tetapi tidak terhad kepada tujuan menilai kemampuan pembiayaan saya. Saya dengan ini mengesahkan bahawa tiada lagi kebenaran atau persetujuan dari saya adalah perlu atau dikehendaki berhubung dengan perkara tersebut di atas. Saya dengan ini mengaku bahawa saya tidak pernah melanggar peruntukan Seksyen 57 Akta Perkhidmatan Kewangan Islam 2013 dibaca bersama dengan Garis Panduan Bank Negara berkenaan Urus Niaga Kredit dan Pendedahan dengan Pihak Berkaitan bagi perbankan Islam dan/atau mana-mana garis panduan pengganti/spesifikasi/pekeliling yang dikeluarkan oleh BNM dari semasa ke semasa yang berkaitan dengannya. Saya juga mengaku dan mengesahkan kepada Bank bahawa pasangan, ibu bapa, anak/anak-anak saya adalah bukan pekerja atau secara langsung berhubung kait dengan mana-mana pengarah, pegawai atau pekerja Bank. Saya tidak akan mempertikaikan isi kandungan salinan faks yang diterima oleh RHB Islamic Bank Berhad yang akan dikira sebagai permohonan benar dan saya akan mengeluarkan permohonan benar kepada Bank apabila diminta. Saya bersetuju mematuhi undang-undang Malaysia yang berkaitan dengan Pencegahan Pengubahan Wang Haram dan Pembanterasan Pembiayaan Keganasan. Saya telah diberitahu tentang keterangan dan faedah berhubung dengan Helaian Pendedahan Produk yang telah diberikan kepada saya berkaitan dengan Pembiayaan Peribadi-i untuk Sektor Awam RHB Islamic yang dipohon di sini.

X

X

JANGAN ISI TARIKH TANDATANGAN PEMOHON

1.

DIPENUHI OLEH SAKSI

Tandatangan Tandatangan

Nama Penuh Nama Penuh

No. Kad Pengenalan / No. Tentera / No. Polis No. Kad Pengenalan

Tarikh Tarikh

No. Gaji / Pekerja / Personel

Jawatan

Nama / Alamat Majikan

No. Telefon

Nama Bank / No. Akaun

2. PENGESAHAN UNIT GAJI / BAHAGIAN KEWANGAN / BAHAGIAN PENTADBIRAN

Tandatangan

Nama Penuh

Jawatan Pegawai

Tarikh

3.

Amaun Amaun

Bulan Tahun Bulan Tahun Pokok Faedah

Jumlah Hash (Amaun Pokok + Amaun Faedah)

Disediakan oleh:

Nama

Tandatangan

Tarikh

I DESTINASI SDN BHD (66784-V) Alamat : 4 & 6 Persiaran 65C Jalan Pahang Barat, Off Jalan Pahang, 53000 Kuala Lumpur. Tel : 03 4023 2266 Faks : 03 4023 3366

SURAT AKUAN KEBENARAN POTONGAN GAJI PEMBELI/PEMINJAM

Cop Rasmi Majikan

UNTUK KEGUNAAN ORGANISASI SAHAJA

Potongan

Kod Tarikh Mula Tarikh Akhir

PERAKUAN PEMBELI / PEMINJAM

COP ORGANISASI

Saya dengan ini bersetuju supaya gaji saya dipotong untuk dibayar kepada (nama organisasi)

bagi bayaran seperti ternyata di Bahagian Tiga (3) dalam surat kebenaran ini dan lain-lain bayaran atau perubahan yang diarahkan oleh organisasi dari masa ke semasa.

Potongan ini akan dibuat kepada I Destinasi Sdn. Bhd. (IDSB) yang bertanggungjawab mengendalikan pengutipan potongan gaji.

Persetujuan saya ini juga adalah keizinan saysa yang dikehendaki di bawah undang-undang bertulis mengenai potongan gaji dan/atau buruh terpakai dan keizinan ini

termasuk memberi kuasa kepada majikan saya untuk mengubah dan/atau meminda potongan gaji ini selaras dengan undang-undang bertulis.

Persetujuan ini laku sehingga kebenaran ini saya tarik balik secara bertulis dan pembatalan potongan ini akan dilaksanakan setelah disahkan oleh organisasi bahawa

saya adalah bebas dari sebarang hutang atau tunggakan ansuran pinjaman dan lain-lain bayaran atau perubahan yang diarahkan. Saya maklum bahawa urusan

potongan gaji ini ialah suatu kemudahan membayar dan saya masih bertanggungjawab terhadap bayaran-bayaran yang tidak dijelaskan kepada organisasi tersebut.

Saya juga membenarkan pihak organisasi atau majikan menyemak maklumat potongan gaji dan maklumat lain saya. Sebagai balasan bagi yang tersebut di atas, saya

dengan ini menyelamatkan Kerajaan Malaysia dan IDSB dari kerugian dan saya tidak akan membuat tuntutan terhadap mereka, tidak akan menuntut daripada mereka,

atau tidak akan mendakwa mereka, di atas apa-apa kerugian yang mungkin berlaku selepas apa-apa jumlah telah dipotong dari gaji saya dan dihantar kepada IDSB atas

permintaan saya.

Saya dengan ini mengizinkan IDSB mengenakan caj proses dan penyediaan potongan gaji sebanyak 2% daripada jumlah potongan gaji bulanan saya sehingga tamat

bayaran / penyelesaian pembiayaan sepertimana yang terdapat di dalam perjanjian pembiayaan.

Saya mengakui telah membaca dan memahami implikasi surat kebenaran ini dan semua pekeliling, arahn dan aturan-aturan yang mengawalselia urusan potongan gaji

Adalah dengan ini disahkan bahawa butir-butir yang ternyata di atas diakui betul dan penama berkenaan berkhidmat

di jabatan / sekolah ini.

xTANDATANGAN PEMOHON

BIARKAN KOSONG

JANGAN ISI TARIKH

COP BULAT MAJIKANTANDATANGAN MAJIKAN

Date :

RHB Islamic BankLevel 11, Menara Yayasan Tun Razak200, Jalan Bukit Bintang55100, Kuala Lumpur

Sir / Madam,

AUTHORIZATION OF PAYMENT DEDUCTION FROM PERSONAL FINANCING-i FACILITY

We refer to the above.

I, ____________________________________________________ (MyKad:__________________________________________ ) hereby authorize and allow RHB Islamic Bank (“Bank”) to make direct deduction/payment from the amount approved by the Bank.

1.0 Stamp Duty 2.0 Takaful Contribution 3.0 Redemption Amount 4.0 Trading Fee

Total Deduction

Note : Only for PF-i Civil Sector via Angkasa Note : If applicable

RHB Bank/RHB Islamic Bank Berhad

__________________________________________________

APPLICANT’S SIGNATURE

NAME : ______________________________________

I also agree that the balance amount of the above financing (after deduction) will be paid by the Bank to me through Bank account or through any means deemed fit by the Bank.

I also hereby agree that this authorization is an irrevocable approval if the redemption amount has been paid to any third party on my behalf by the Bank, and I also agree and promise to pay the whole redemption amount to the Bank if I were to withdrawn from the facility.

The Bank shall credit the net amount of the financing as per above (after taking into consideration the above deduction and any fees charged by the Bank on me) into my account as per below:

I hereby agree that the Bank shall not be liable on any damages, losses, or any costs that should be borne by me. I also will bear all the losses (“on full indemnified basis”) on behalf of the Bank on any losses or damages that incurred by the Bank on the Bank’s action in order to execute my order and authorization above.

RM _____________________RM _____________________RM _____________________RM _____________________

RM _____________________

RM _____________________

RM _____________________RM _____________________

1

2

5.1 Gross Admin Fee5.2 Total GST payable @ 6% on Gross Admin FeeTotal admin fee (inclusive of GST)

5.0 Admin Fee breakdown:

1

2

AUTHORIZATION OF PAYMENT DEDUCTION FROM PERSONAL FINANCING-i

PF-i for Private/Pensioner (for RHBIB/RHB account only)

PF-i for Civil Sector

Account No.

Existing RHB Account Other Bank (please specify)

X

NAMA PEMOHON NO IC PEMOHON

JANGAN ISI TARIKH

ISI MAKLUMAT AKAUN BANK DI SINI

TANDATANGAN PEMOHON

7

CUSTOMER’S ACCEPTANCE

TO : RHB ISLAMIC BANK BERHAD

I, the undersigned, hereby confirm that I have read the Terms and Conditions set out in this Letter of Offer and in its Annexures and have agreed to the same.

I hereby accept the Facility upon the Terms and Conditions mentioned above and in the Annexures hereto and I shall respond to the Bank’s SMS within the same working day on the date the first SMS is sent to me.

I hereby declare and confirm to the Bank that I am not related to/a guarantor to any of the directors, controlling shareholders, officers, members of Shariah Committee of the RHB Banking Group and their respective close relatives which include spouse and dependents of the spouse, child (including step/adopted child) and spouse of the child, parent and brother or sister and their spouses. I shall not dispute the contents of the faxed copy of the application form received by the Bank which shall be deemed as the original application and I shall produce the original application to the Bank upon request. I agree to abide by the Anti-Money Laundering and Anti-Terrorism Financing laws of Malaysia. I have been briefed on the description and benefits pursuant to the Product Disclosure Sheet that has been given to me on the RHB Islamic Personal Financing-i for Government Servant herein.

It is also hereby agreed that notwithstanding any provision for the payment of the Facility hereinbefore contained, I may at any time prepay the whole of the Bank’s Sale Price as the Bank may accept provided that prior written notice of one (1) month is given in advance to the Bank.

To: RHB Bank Berhad (Co. No.6171-M)

Debiting of Account with RHB Bank Berhad

Subject to Clause 11 of Annexure 1, If I have Current or Savings Account(s) including joint account(s) with any other

person with RHB Bank Berhad, I irrevocably authorise RHB Bank Berhad to debit my account(s) with you and pay such

proceeds to RHB Islamic Bank Berhad (“the Bank”) for any amount due from me to the Bank hereunder even if

suchdebiting causes an overdrawn position or any existing overdraft limit to be exceeded due to insufficient funds in my

RHB Bank Berhad’s account(s), and I agree to bear the financial consequences of such overdrawing or excess

according to the Terms and Conditions imposed by you.

………………………………………

Name : .............................................................

NRIC No. : .............................................................

Date : .............................................................

Phone No. : ............................................................. (Home) ................................................................ (Mobile)

For Bank’s Use,

Verified by,

…………………………........……

Name : .....................................................

NRIC No. : .....................................................

Date : .....................................................

XTANDATANGAN PEMOHON

JANGAN ISI TARIKH

13

ANNEXURE 2

COMMODITY PURCHASE ORDER

(To be issued by the Customer to the Bank) DATE : TO : RHB ISLAMIC BANK BERHAD Level 12

Menara Yayasan Tun Razak 200 Jalan Bukit Bintang 55100 Kuala Lumpur, Malaysia

(for the attention of…………………………………………………….….)

Dear Sirs, LETTER OF OFFER DATED (“LETTER OF OFFER”) – COMMODITY PURCHASE ORDER I refer to Clause 6 of the Letter of Offer whereby the terms defined in the Letter of Offer have the same meanings when used herein I hereby make this order and request you to purchase the Specified Commodity at a purchase price of Ringgit Malaysia ……………………………………………………………………….………………..............................................................…….. only (RM………………………………) which is equivalent to the Facility Amount as approved by your goodself (Facility Amount). I acknowledge that your purchase of the Specified Commodity will be upon my request herein contained and I undertake to purchase the Specified Commodity from you an amount equivalent to the Facility Amount. This Commodity Purchase Order is irrevocable and the Terms and Conditions of the Letter of Offer are incorporated into this Commodity Purchase Order. Yours faithfully, ………………………. NAME : ………………………………….. NRIC NO. : …………………………………..

X

JANGAN ISI TARIKH

JANGAN ISI TARIKH

TANDATANGAN PEMOHON

14

ANNEXURE 3

MURABAHAH SALE ACCEPTANCE LETTER

(To be issued by the Customer to the Bank)

DATE : TO : RHB ISLAMIC BANK BERHAD

Level 12 Menara Yayasan Tun Razak 200 Jalan Bukit Bintang 55100 Kuala Lumpur, Malaysia (for the attention of…………………………………………………….….)

Dear Sirs, LETTER OF OFFER DATED (“LETTER OF OFFER”) – MURABAHAH SALE ACCEPTANCE LETTER Pursuant to my acceptance via the SMS replied or the acceptance made by you on my behalf as agent (wakeel), I hereby confirmed that I have accepted your offer and purchased the Specified Commodity in accordance with the Terms and Conditions of the Murabahah Sale Offer Letter dated …………………… The Terms and Conditions of the Letter of Offer are deemed incorporated into this Murabahah Sale Acceptance Letter. Yours faithfully, ……………………….. NAME. : ............................................................. NRIC NO. : .............................................................

X

JANGAN ISI TARIKH

JANGAN ISI TARIKH

TANDATANGAN PEMOHON

15

ANNEXURE 4

SELLER’S OFFER

(To be issued by the Customer through RHB Islamic Bank Berhad as the agent to sell to Broker B) DATE : To : [Broker B] Attn : Fax/E-mail : From : SALE OF COMMODITY PURSUANT TO PERSONAL FINANCING-i WITH RHB ISLAMIC BANK BERHAD. I refer to the above matter and I hereby appoint RHB Islamic Bank Berhad as my sole and exclusive agent to sell to you the Specified Commodities which terms are as follows: Terms Seller : RHB Islamic Bank Berhad as agent

Purchaser : Broker B

Seller’s Ref :

Certificate Number :

Commodities :

Quantity :

Location :

Selling Price in RM :

Value Date/ Delivery Date :

Payment Date :

Payment: On the payment date, you shall credit the Selling Price subject to any agreed deduction with RHB Islamic Bank Berhad stated above into my account pursuant to clause 15. This Sale Transaction will be concluded upon your acceptance of this offer by acknowledging receipt of this Seller’s Offer and forwarding the Selling Price to RHB Islamic Bank Berhad. Thereafter, the title and ownership of the Commodities will be transferred to you. Yours faithfully, ……………………….. NAME : .................................................. NRIC NO. : ..................................................

X

JANGAN ISI TARIKH

TANDATANGAN PEMOHON

NOTIS PRIVASI RHB

Saya faham bahawa RHB Islamic Bank Berhad (680329-V) ("RHB") akan menggunakan, mengumpul, merekod, menyimpan, berkongsi dan/atau memproses maklumat peribadi saya, termasuk, tanpa had, butir-butir pengenalan saya, maklumat latar belakang, data kewangan dan maklumat lain yang berkaitan dengan permohonan saya untuk produk dan / atau perkhidmatan yang a) telah saya berikan di dalam borang ini atau melalui sebarang perhubungan lain dengan Kumpulan Perbankan RHB (termasuk syarikat-syarikat

induk RHB, syarikat-syarikat subsidiari, dan mana-mana syarikat yang berkenaan), termasuk mana-mana syarikat yang terhasil daripada mana-mana penyusunan semula, penggabungan, jualan atau pengambilalihan atau

b) diperolehi daripada analisis pembayaran saya dan urusniaga/perkhidmatan yang lain dalam Kumpulan Perbankan RHB, atau c) diperolehi daripada pihak ketiga seperti majikan, pemohon bersama/pemegang-pemegang akaun, penjamin-penjamin, wakil-wakil perundangan,

persatuan-persatuan berkaitan industri/kewangan, biro-biro kredit atau agensi-agensi pelaporan kredit, penjual- penjual, rangkaian-rangkaian sosial dan agensi-agensi pencegahan penipuan atau organisasi-organisasi lain,

untuk mana-mana dan/atau semua tujuan-tujuan yang berikut ("Tujuan"), jika berkaitan:

(i) menyediakan produk dan/atau perkhidmatan ini dan memaklumkan saya tentang sebarang perubahan penting atau perkembangan tentang ciri-ciri produk dan/atau perkhidmatan tersebut;

(ii) mengemaskini dan menguruskan ketepatan rekod Kumpulan Perbankan RHB; (iii) pencegahan, pengesanan atau pendakwaan jenayah, dan pematuhan obligasi-obligasi perundangan dan peraturan; (iv) penilaian dan analisis termasuk pemarkahan kredit / pinjaman / risiko insurans / kelakuan, analisis pasaran dan produk dan penyelidikan pasaran; (v) perhubungan dan memastikan kepuasan pelanggan, yang mungkin termasuk menjalankan kajian-kajian meningkatkan kualiti produk-produk

dan perkhidmatan-perkhidmatan kami, membalas kepada pertanyaan dan aduan serta untuk menyelesaikan percanggahan secara umumnya; (vi) menentukan jumlah hutang saya dan pemungutan hutang yang saya berhutang kepada RHB; (vii) mengekalkan sejarah kredit saya untuk rujukan semasa dan akan datang; (viii) membolehkan pemegang serah hak sebenar atau yang dicadangkan oleh RHB, atau peserta atau sub peserta RHB untuk menilai urus niaga

saya yang bertujuan untuk menjadi subjek penyerahhakan, penyertaan atau sub penyertaan; dan (ix) melindungi kepentingan Kumpulan Perbankan RHB dan tujuan sampingan atau tujuan lain yang berkenaan.

Saya faham dan mengakui bahawa RHB perlu memproses maklumat peribadi saya untuk Tujuan tersebut, tanpanya RHB tidak akan dapat menyediakan produk/perkhidmatan yang saya minta daripada RHB dan untuk memaklumkan saya tentang sebarang perubahan penting atau perkembangan tentang produk/perkhidmatan tersebut. Di mana saya telah memberi RHB maklumat peribadi sensitif (khususnya, maklumat tentang kesihatan fizikal / mental saya untuk permohonan bagi produk insurans / perkhidmatan), saya dengan ini memberikan RHB persetujuan nyata saya untuk memproses mengikut cara yang dinyatakan dalam Notis Privasi ini. Saya faham bahawa RHB mungkin akan mendedahkan maklumat peribadi saya (atau maklumat peribadi sensitif, jika berkenaan) kepada syarikat-syarikat lain di dalam Kumpulan Perbankan RHB, penyedia-penyedia perkhidmatan, peniaga-peniaga dan rakan-rakan kongsi strategik, pembekal-pembekal termasuk agensi-agensi pemungutan hutang, penasihat-penasihat profesional, persatuan- persatuan berkaitan industri/kewangan, biro-biro kredit atau agensi-agensi pelaporan kredit dan pencegahan penipuan, agensi-agensi kerajaan, institusi-institusi kewangan yang lain dan mana-mana ejen, pekerja, dan/atau mana-mana orang mereka, sama ada bertempat di dalam atau di luar Malaysia untuk Tujuan tersebut, jika berkenaan, tertakluk pada setiap masa kepada mana-mana undang-undang (termasuk peraturan-peraturan, piawaian, garis panduan dan / atau obligasi) yang terpakai kepada RHB. Saya juga faham bahawa saya boleh meminta untuk membuat pembetulan (jika maklumat peribadi saya adalah tidak tepat, ketinggalan zaman, tidak lengkap, dan lain-lain), akses kepada (fi yang ditetapkan mungkin dikenakan), atau untuk menghapuskan (jika saya tidak lagi mempunyai apa-apa produk/perkhidmatan yang sedia ada dengan Kumpulan Perbankan RHB) ke atas maklumat peribadi saya atau mengehadkan pemprosesan itu pada bila-bila masa selepas ini dengan mengemukakan permintaan tersebut melalui pos, e-mel atau faks kepada alamat berikut:

RHB Banking Group Customer Care Centre, Level 7 Menara AA, JalanTun Razak, 50400 Kuala Lumpur, Malaysia. Nombor Faks: 03 9206 8088 / Nombor Telefon: 03 9206 8118 / Emel: customer.service@rhbgroup.com

Saya mengakui bahawa Kumpulan Perbankan RHB boleh mengubahsuai atau mengemas kini Notis Privasi ini dari masa ke semasa, di mana salinannya boleh didapati di www.rhbgroup.com dan saya boleh menyalurkan sebarang aduan atau pertanyaan yang saya mungkin ada dengan cara yang ditunjukkan di atas. PENGIKTIRAFAN DAN KEBENARAN Dengan memberikan maklumat peribadi saya berserta tandatangan, saya mengizinkan RHB memproses maklumat peribadi saya untuk mana-mana pendedahan yang diperlukan dan pemindahan maklumat peribadi saya ke luar negara kepada pihak ketiga yang berkaitan, jika berkenaan.

Saya bersetuju dengan pendedahan dan/atau pemindahan maklumat peribadi saya kepada pihak ketiga yang berkaitan akibat daripada apa-apa penyusunan semula, penjualan atau pengambilalihan mana-mana syarikat dalam Kumpulan Perbankan RHB, dengan syarat bahawa penerima menggunakan maklumat peribadi saya untuk Tujuan tersebut sahaja. Saya juga menyatakan dan menjamin bahawa saya telah cukup memperolehi persetujuan individu-individu pihak ketiga (contohnya keluarga, pasangan, pihak-pihak berkaitan, pemegang kad tambahan dan/atau orang hubungan kecemasan, lain-lain) di mana maklumat peribadi mereka telah saya dedahkan kepada RHB untuk membenarkan RHB membuat pemprosesan yang sama berhubung dengan Tujuan, jika berkenaan.

KEBENARAN UNTUK PENJUALAN SILANG, PEMASARAN, PROMOSI, DAN LAIN-LAIN Saya/Kami mengizin dan membenarkan RHB memproses dan mendedahkan apa-apa maklumat yang saya/kami telah berikan kepada RHB untuk tujuan penjualan silang, pemasaran dan promosi (termasuk untuk menjalankan tawaran dan pertandingan), dan menjalankan kajian (bagi memperbaiki kualiti produk/perkhidmatan) kepada Kumpulan Perbankan RHB (di mana termasuk syarikat induk, anak-anak syarikat, mana-mana syarikat yang berkaitan dan/atau mana-mana syarikat/cawangan yang terhasil daripada apa- apa penyusunan semula, penggabungan, jualan atau perolehan, sama ada di dalam atau di luar Malaysia), rakan-rakan kongsi strategik, penyedia-penyedia perkhidmatan dan agen-agen, pekerja- pekerja dan/atau mana-mana orang mereka atau pihak ketiga, jika berkenaan. □ Ya □   Tidak

*Nota: Klausa ini hanya terpakai kepada individu-individu dan perusahaan kecil dan sederhana (SMEs).

AGENSI PENILAIAN KREDIT (CRA) BORANG PERAKUAN KEBENARAN

Saya/Kami,………………………………………………………………dengan    kad   pengenalan bernombor  ……………………………. dengan ini memberi kuasa dan memberi kebenaran kepada RHB Bank/RHB Islamic Bank untuk mendapatkan apa-apa maklumat kredit daripada CTOS dan/atau mana-mana Agensi Pelaporan Kredit berdaftar seperti yang didefinisikan di bawah Akta Agensi Pelaporan Kredit 2010 tanpa sebarang notis lanjut kepada Saya/Kami bagi tujuan seperti yang berikut (mana-mana yang berkenaan) :-

Pemprosesan permohonan kredit, Kajian semula had kredit, Penyusunan semula Pertindihan Naik taraf permohonan

BORANG AKUAN AKTA KEPATUHAN PERCUKAIAN AKAUN ASING

Sila  tandakan  (√)  untuk  yang  berkenaan Saya/Kami telah dimaklumkan dan saya/kami dengan ini mengesahkan bahawa saya/kami memahami keperluan FATCA. Saya/Kami dengan ini mengisytiharkan bahawa saya/kami

bukan individu Amerika Syarikat dan tidak mempunyai ciri-ciri indicia Amerika Syarikat

bukan individu Amerika Syarikat tetapi mempunyai ciri-ciri indicia Amerika Syarikat/bukan Entiti Sah Amerika Syarikat (sediakan borang W-8)

individu Amerika Syarikat/ Entiti Sah Amerika Syarikat (sediakan borang W-9)

Sekiranya terdapat sebarang kemaskini berkenaan dengan maklumat akaun/status FATCA, saya/kami dengan ini bersetuju untuk memaklumkan pihak RHB dan memberi bukti dokumen yang diperlukan dalam tempoh 30 hari dari tarikh perubahan tersebut. Saya/Kami mengizinkan dan memberi kebenaran kepada pihak RHB untuk mengambil sebarang tindakan berikut, jika berkenaan: 1. Mengenakan sebarang penahanan bayaran cukai yang berkenaan ke atas akaun tersebut 2. Melaporkan atau mendedahkan maklumat relevan berhubung dengan akaun tersebut 3. Menamatkan (dengan notis terlebih dahulu) hubungan kontrak di antara saya/kami dengan pihak RHB

Nama: Tandatangan: _______________________ No. KP:

X

NAMA PEMOHON NO IC PEMOHON

X

TANDATANGAN PEMOHON

X

PERSONAL FINANCING-i FOR CIVIL SECTOR VIA AG Date: ___________________________________ [To be filled in by Sales/Branch Personnel]

Page 1 of 2

PRODUCT DISCLOSURE SHEET (Please read and understand this Product Disclosure Sheet together with the general terms and conditions governing the Personal Financing-i for Civil Sector Via AG 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.

1. What is this product about? This is an unsecured Personal Financing-i offered to government servant. The financing is offered through salary deduction using the service of an appointed service provider namely I. Destinasi Sdn. Bhd. (IDSB).

2. What is the applicable Shariah concept for this product? The Personal Financing-i adopts the concept of Commodity Murabahah via Tawarruq arrangement. Commodity Murabahah is referring to trading of commodities which act as underlying assets of a transaction. Customer will make payment of the sale price of the commodity, which is including cost price and profit on deferred basis. With the concept of Tawarruq, Customers will receive cash in exchange for the commodities being sold off to third party.

Transaction Flows: The Customer and RHB Islamic Bank (RHBIB) enter into an agreement where the Customer promises to buy a specified commodity or asset from RHBIB and the Customer then appoints RHBIB as his agent to sell the said commodity.

a) RHBIB will purchase a commodity from Broker A at a purchase price;

b) Ownership of the commodity will be transferred to RHBIB; c) RHBIB   will   sell   the   commodity   to   a   Customer   at   a   ‘mark-up’  

price (purchase price plus profit margin) d) Customer will appoint RHBIB as agent to sell-off the commodity; e) RHBIB acting as Customer’s   agent will sell the commodity to

Broker B; f) Broker B will purchase the commodity at the purchase price and

credit RHBIB account to reflect the sales transaction; g) RHBIB will make the fund available to Customer in the form of

Personal Financing-i (disbursement amount). 3. What can I benefit from this product?

Total amount financed RM___________ Total selling price RM___________ Profit rate _______________ % p.a Tenor _______________ years

4. What are my obligations?

Monthly payment* RM_____________________ Total amount including the amount financed

RM _____________________

*Monthly payment is derived based on the formula: - [(P × I × N) + P] / n Where; P: Financing Amount I: Profit Rate per annum N: Total Number of monthly payment in Years n: Total Number of monthly payment in Months

5. What are the fees and charges that I have to pay?

Types of Fee Details of Fee

Stamp Duty

Nominal amount of RM10.00 (per document) As per the Stamp Duty Act 1949 (Revised 1989) (subject to change that imposed by Government)

Brokerage fee RM30.00 per application

Collection fee Note:Subject to 6% Goods and Services Tax (“GST”) (as described below)

1.7% of monthly payment (inclusive of GST)

Takaful contribution Varies accordingly to financing amount, age and tenor.

Note 1: Bank will inform you within at least 21 calendar days prior to the effective date of implementation should there be any changes in the fees and charges which are applicable to your financing facility. Note 2: Stamp duty, brokerage fee and Takaful contribution will be deducted from the total financing proceeds. Note 3: 1.7% collection fee already incorporated in the monthly payment. Note 4: Please be informed that effective 1 April 2015, our banking fees and charges will be subject to GST, unless stated otherwise. With the implementation of GST, the Terms and Conditions (”T&Cs”)  for  our  products  may  be  amended  from  time  to  time  via  the  relevant prior notices as prescribed in the T&C and such amendments shall take effect on 1 April 2015. Kindly note that currently GST is not applicable for stamp duty, brokerage fee and Takaful contribution.

5. What are the documents that I need to submit?

6. Do I need any Takaful coverage?

Yes. Takaful coverage is compulsory. In circumstances of death and total permanent disability, the Takaful will pay off all outstanding amount of your financing with the Bank. This will alleviate the burden of payment on your survivors or next of kin. You shall take up a personal Takaful plan from any Takaful operator as approved by the Bank. Takaful contribution will depend on the tenor and amount of facility, including your age. The Takaful contribution will be deducted from the financing proceeds.

NO DOCUMENTS REQUIRED YES NO

1 1 original complete Application Form 2 2 copies of MyKad (front and back)

3 1 original + 1 copy of Salary Slip (Latest 3 months)

4

1 original + 1 copy of “Surat  Akuan  Kebenaran Potongan Gaji Pembeli/Peminjam (AG- Accountant General) / Surat Kebenaran Potongan Gaji (BPA-Biro Perkhidmatan  Angkasa)”  (whichever applicable)

5 1 original + 1 copy of Employee Confirmation Letter (with Employer’s  Letterhead)

6 1 original Letter of Authorization of Payment Deduction from Personal Financing-i

7 2 copies Letter of Offer (Pre-sign) 8 1 copy of Product Disclosure Sheet

(Bank’s  copy) 9 1 original Shariah Compliance Checklist

10 1 original Self-Declaration Form 11 1 copy of RHB / RHBIB / any other banks

Account Passbook

12 1 original Redemption Statement of other banks/FIs (if any)

13 1 original Retirement Option Letter (for applicant aged 48 years old & above if tenure exceeds mandatory retirement age)

14 1 original Transfer Letter (for applicant who will be transferred in less than 6 months from the point of application)

JANGAN ISI TARIKH

Page 2 of 2

7. What if I fail to fulfill my obligations? a) You shall pay the Bank, by way of Ta'widh (compensation), a

sum equivalent to one per centum (1%) per annum of the overdue payment(s) until date of full payment and/or settlement; OR   a   sum   equivalent   to   the   BNM’s   Islamic   Interbank   Money  Market (IIMM) Rate on the balance principal amount outstanding upon maturity date or the expiry of the Financing.

b) The Bank may set-off any credit balance in any account maintained with the Bank against any outstanding balance in this facility account which the Bank will notify you within at least 7 calendar days in advance.

c) Legal action will be taken if you fail to respond to reminder notices. You will have to bear all costs and responsible to settle any shortfall after legal action has been taken against you.

d) Legal action against you may affect your credit rating, which leads to credit being more difficult or expensive for you.

8. What if I were to pay more than the required monthly payment amount?

Any excess payment of the monthly paymentwill be recognised as advance payment.

9. What if I fully settle the financing before its maturity?

a) There will be no exit fee charges imposed for early settlement. b) No lock-in period imposed and no partial principal payment is

allowed. c) Rebate   (Ibra’)   - The   Bank   shall   grant   rebate   (Ibra’)   on   any  

amount payable by you in respect of any payment due under the transaction documents and / or security documents in any of the following situations:

i. any early settlement or early redemption by you including prepayment;

ii. any settlement of the Facility due to any financing restructuring exercise by you;

iii. any settlement by you upon occurrence of the Event of Default; and

iv. any settlement by you in the event of termination or cancellation of the Facility before the expiry of the Facility period.

Rebate   (Ibra’)   =   *Remaining   Unearned   Profit   – Early Settlement Charges (if any). *Remaining Unearned Profit is equal to unrealised profit at the time of full settlement The calculation  of  rebate  (Ibra’)  shall  be  made  in  accordance  with  any  rules, regulations and/ or directives (whether or not having the force of law) required of or imposed upon the Bank from time to time and at any time by Bank Negara Malaysia or any other authority having jurisdiction over the Bank.

10. What are the major risks?

Should you encounter any difficulty in meeting your obligations, please contact us in advance to discuss payment alternatives. This is to avoid legal action if you are unable to pay your monthly payment.

For government employees, monthly payment is deducted directly from the salary account. For those who opted to early settle the facility, a certain period of processing time is required to cease the deduction from the salary account. Therefore, you are advised to properly plan their time to make early settlement as it may result in over deduction of the salary account even though the facility has been fully settled.

11. Do I need a guarantor or collateral? No guarantor or security is required. 13. What do I have to do if there are any changes on my current

employment status e.g transfer or resignation? If you are going to be transferred or resigning from current employment, you need to contact: Customer Care Centre Email : customer.service@rhbgroup.com or pfi@rhbgroup.com Web : www.rhb.com.my

14. What do I need to do if there are changes to my contact details? It is important that you inform the Bank on any changes in your contact details to ensure that all correspondences reach you in a timely manner.

15. Where can I get assistance and redress? a) If you have difficulties in making payments, you should contact

us the earliest possible to discuss payment alternatives.

b) 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 counseling, financial education and debt restructuring for individuals.

You can contact AKPK at: Tingkat 8, Maju Junction Mall, 1001, Jalan Sultan Ismail, 50250 Kuala Lumpur. Tel : 1-800-88-2575 Email : enquiry@akpk.org.my

c) If you wish to complain on the products or services provided by

us, you may contact us at: RHB Islamic Bank Berhad Level 11, Menara Yayasan Tun Razak, 200, Jalan Bukit Bintang, 55100 Kuala Lumpur. Tel: 03 9206 8118 / 082 276 118 Fax: 03 9206 8088 / 082 276 088 Email: customer.service@rhbgroup.com Web: www.rhb.com.my

d) 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, 50480 Kuala Lumpur. Tel : 1-300-88-5465, Fax : 03-21741515 E-mail :bnmtelelink@bnm.gov.my

16. Where can I get further information?

If you have any enquiries, please contact us at: RHB Islamic Bank Berhad, Level 11, Menara Yayasan Tun Razak, 200, Jalan Bukit Bintang, 55100 Kuala Lumpur. Tel : 03 9206 8118 / 082 276 118 Fax : 03 9206 8088 / 082 276 088 Email : customer.service@rhbgroup.com Web : www.rhb.com.my

17. Other personal financing package available: Personal Financing-i for Pensioner Personal Financing-i for Private Sector

Other Information: Where the financing tenor extends into retirement, it is important that Applicant plans ahead to make sure that the Applicant would be able to continue to meet the obligation to pay the Monthly Payments after retirement.

I/ We hereby confirm having explained the Product Disclosure Sheet (PDS) to Customer.

……………………………………

Staff Name: Staff ID: Date:

I/ We hereby confirm having received and understand the explanation given.

…………………………………………

Name: NRIC: Date:

IMPORTANT NOTE: LEGAL ACTION MAY BE TAKEN AGAINST YOU IF

YOU DO NOT KEEP UP WITH PAYMENTS ON YOUR PERSONAL

FINANCING. The information provided in this disclosure sheet is valid as at 1 April

2015

XTANDATANGAN PEMOHON

JANGAN ISI TARIKH

Debt Repayment Obligation – Self Declaration Form – v1 Jan 2012

Debt Repayment Obligation - Self Declaration Form

Followings are my/our outstanding debts with financial institutions and/or non-financial institutions in Malaysia.

Bank/Finance Company/

Others

Type of Facility [Housing Loan(HL)/

Car Loan (CL)/ Personal Loan (PL)/

others]

Loan Amount

(RM)

Outstanding Balance

(RM)

Monthly Repayment

Amount (RM)

I/We, the undersigned hereby declare that the above information provided by me/us are true and correct and in the event that the Bank subsequently discovered that any of the information provided are found to be false, incorrect or incomplete, the Bank shall have the absolute discretion to cancel or vary the facility approved.

Borrower / Co-Borrower

…………………… Name: NRIC/Passport: Date:

Witnessed By:

……………………… Name: NRIC/Passport: Date:

X

JANGAN ISI SEBARANG MAKLUMAT DI SINI

TANDATANGAN PEMOHON

JANGAN ISI RUANGAN TARIKH