PRODUCT DISCLOSURE SHEET

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1 PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take out the Amanah Saham Bumiputera (ASB) Loan. Be sure to also read the general terms and conditions. Please seek clarification if you do not understand any part of this document or the general terms. Ref: RF/ASB/0716/ENG1 AMANAH SAHAM BUMIPUTERA (ASB) LOAN Date: 1. What is this product about? ASB Loan is a form of term loan to purchase Amanah Saham Bumiputera (ASB) unit trust certificate. 2. What do I get from this product? No Item Description (i) Loan Amount Minimum: RM10,000 Maximum: Up to RM200,000 per borrower, at any one time (including existing ASB Loan, if any), or up to the maximum investment amount allowed by ASNB, whichever lower. The final facility amount approved will be based on the Bank s credit evaluation. (ii) Interest Rate Loan Amount Interest Rate Below RM30,000 BR* % p.a. (first 3 years) BR* % p.a. (thereafter) RM30,000 and above BR* % p.a. (throughout the Loan tenure) * Current Base Rate (BR) is at 3.00% p.a. w.e.f 15/07/2016 (iv) Margin of Financing 100% of nominal value of ASB units 105% (if inclusive of Personal Reducing Term Assurance (PRTA) and Will Fee (if any) inclusive of Goods and Service Tax) (v) Loan Tenure Up to 25 years or up to age 65 years old, whichever is earlier. 3. What are the fees and charges that I have to pay? No Item Fee/Charges i. Stamp Duty RM10.00 Letter Offer ii. ASNB Certificate Fee RM53.00 per Certificate (Inclusive Goods & Service Tax (GST)) Note: The fee and charges will be paid to ASNB and Inland Revenue Board of Malaysia respectively. The certificate fee imposed are subject to Goods and Services Tax ( GST ) at the prevailing standard rate. 4. What are my obligations? You have to ensure that prompt payment is to be made by 1 st day of every month Your monthly instalment is RM1, Total repayment amount at the end of 25 years is RM357, Important: Changes in BR may result in higher monthly instalment or lengthen the financing tenure, as approved by the Bank. The below calculation is based on the assumption of Financing Amount at RM200,000 and tenure at 25 years (exclude PRTA, Will fee and GST). It is subject to changes in the terms and conditions Rate Today Interest Rate 5.20% If Interest Rate goes up 1% 6.20% If Interest Rate goes up 2% 7.20% Monthly instalment (Average) Total interest cost at the end of 25 years Total repayment amount at the end of 25 years RM1, RM1, RM1, RM157, RM194, RM232, RM357, RM394, RM432,000.00

2 5. What if I fail to fulfill my obligations? Late Charge Payment Late payment penalty charge of 1% p.a. will be imposed on overdue amount from date of default (subject to grace period of 7 days) until the date of receipt of payment by the Bank. Right to Sell-Off The Bank may sell off the ASB Certificates in the event of default (2 months and above in arrears) and legal action may be taken against you for shortfall amount (if any). Right to Set-Off The bank has the right to set-off any credit balance in your account maintained with us against any outstanding balance in this account. Legal Action 1) Legal action may be taken against you under the following circumstances: a) Accumulation of monthly shortfall amounts(if any) b) Failure to respond to reminder notice 6. What if I fully settle the loan before its maturity? 2) Any legal action initiated against you may affect your credit rating leading to credit being more or expensive to you in the future. 3) Notification will be given to you beforehand for any legal action. There is no exit fee imposed if you settle the loan before maturity. 7. Do I need Insurance Coverage? Insurance Coverage is compulsory. 8. Do I need a guarantor or collateral? No Guarantor required. Your ASB investment units via the loan facility will be used as collateral. 9. What do I need to do if there are changes to my contact details? It is important for you to inform the Bank of any changes in your contact details to ensure that all correspondences reach you in a timely manner. To update your correspondence details, please visit any Maybank or Maybank Islamic branches convenient to you. 10. How many certificate that I can purchase for my ASB loan? The number of certificate purchased is based on the total unit applied. TOTAL UNIT TOTAL CERTIFICATE ALLOWED < 50,000 2 CERTIFICATES Number of certificate TOTAL CERTIFICATE VALUE TOTAL UNIT Certificate Value 1st Certificate : 2nd Certificate : TOTAL CERTIFICATE ALLOWED 50, ,000 3 CERTIFICATES Number of certificate TOTAL CERTIFICATE VALUE Certificate Value 1st Certificate : 2nd Certificate : 3rd Certificate : TOTAL UNIT TOTAL CERTIFICATE ALLOWED > 100,000 4 CERTIFICATES Number of certificate Certificate Value 1st Certificate : RM50, nd Certificate : RM50, rd Certificate : RM50, th Certificate : RM50, TOTAL CERTIFICATE VALUE RM200, Note: The certificate fee is subjected to the terms and conditions imposed by ASNB.

3 11. What is the benefit of having more than 1 certificate? It helps you to make a withdrawal transaction of every payable certificate for personal use. 12. What if I want to withdraw amount that I already paid to my existing ASB loan account? You can withdraw from your existing ASB loan account with partial redemption package subject to terms and conditions applied. 13. Where can I get assistance and redress? If you have difficulty in paying the monthly instalment you should contact us earliest possible to discuss payment alternatives. You may contact us at: Branch : Address : Tel/Fax : 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 and debt restructuring for individuals. You can contact AKPK at: 8 th Floor, Maju Junction Mall 1001, Jalan Sultan Ismail Kuala Lumpur Tel : If you wish to complaint on the products or services provided by us, you may contact us at Maybank Customer Feedback Management 28 th Floor, Menara Maybank 100, Jalan Tun Perak Kuala Lumpur Malaysia Tel No : Website : 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 Kuala Lumpur Tel : Fax: IMPORTANT NOTE: THE BANK HAS THE RIGHT TO FORCE SELL THE ASB CERTIFICATE PLEDGED IF PAYMENTS ON YOUR FINANCING ACCOUNT IS NOT UP-TO-DATE AND/OR ARE IN ARREARS OF 2 MONTHS OR MORE. SUBSEQUENTLY LEGAL ACTION MAY BE TAKEN AGAINST YOU FOR THE RECOVERY OF ANY SHORTFALL AMOUNT. The information provided in this disclosure sheet is valid from 15 July 2016

4 HELAIAN MAKLUMAN PRODUK Sila baca Helaian Makluman Produk ini sebelum anda membuat keputusan untuk memohon Pembiayaan Amanah Saham Bumiputera (ASB). Pastikan anda juga membaca terma am dan syarat yang tertera di dalam surat tawaran. Sila dapatkan penerangan sekiranya anda ingin penjelasan ke atas maklumat yang terdapat di dalam dokumen ini atau mengenai sebarang terma. No. Ruj: RF/ASB/0716/BM1 PEMBIAYAAN AMANAH SAHAM BUMIPUTERA (ASB) Tarikh : 1. Apakah produk ini? Ia adalah suatu kemudahan pembiayaan berjangka untuk melabur di dalam unit-unit Amanah Saham Bumiputera (ASB). 2. Apakah yang dapat saya perolehi dari produk ini? No Perkara Penerangan (i) Jumlah Pembiayaan Minimum: RM10,000 Maksimum: Sehingga RM200,000 bagi setiap pelanggan pada satu masa (termasuk baki Pembiayaan ASB sedia ada, jika ada) atau sehingga jumlah pelaburan maksimum yang dibenarkan oleh Amanah Saham Nasional Berhad (ASNB), yang mana lebih rendah. (ii) Kadar Faedah Jumlah pembiayaan yang diluluskan adalah berdasarkan kepada penilaian kredit oleh pihak Bank. Jumlah Pembiayaan Kadar Faedah Di Bawah RM30,000 RM30,000 dan ke atas KA * % setahun ( tiga (3) tahun pertama) KA * % setahun (tahun seterusnya) KA * % setahun (sepanjang tempoh pembiayaan) * Kadar Asas (KA) semasa adalah 3.0% setahun berkuatkuasa 15/07/2016. (iii) Margin Pembiayaan 100% atas nilai nominal unit ASB (v) Tempoh Pembiayaan 105% (jika termasuk Perlindungan Peribadi Pengurangan Berjangka (PRTA) dan/atau fi wasiat (jika ada) termasuk Cukai Barangan dan Perkhidmatan) Sehingga 25 tahun atau menjangkau umur 65 tahun, yang mana lebih awal. 3. Apakah yuran dan caj yang perlu saya bayar? No Perkara Yuran/Caj i. Duti Setem RM10.00 Surat Tawaran ii. Fi Sijil ASNB RM53.00 setiap sijil (termasuk Cukai Barangan dan Perkhidmatan (CBP)) Nota: Yuran/caj akan dibayar kepada pihak ASNB dan Lembaga Hasil Dalam Negeri. Fi Sijil ASNB adalah tertakluk kepada Cukai Barangan dan Perkhidmatan ("CBP") pada kadar semasa yang ditetapkan.

5 4. Apakah tanggungjawab saya? Anda hendaklah memastikan bayaran ansuran bulanan dibayar pada 1hb setiap bulan. Ansuran bulanan anda ialah RM1, Jumlah bayaran keseluruhan untuk 25 tahun ialah 357, Penting: Perubahan di dalam KA mungkin mengakibatkan penambahan ke atas bayaran bulanan atau tempoh pembayaran dipanjangkan sebagaimana yang diluluskan oleh pihak Bank. Andaian dibawah adalah berdasarkan amaun pembiayaan RM200,000 bagi tempoh 25 tahun (tidak termasuk PRTA, fi wasiat dan Cukai Barangan & Perkhidmatan). Ianya tertakluk kepada perubahan keatas terma dan syarat. Kadar Kadar Keuntungan 5.20% Sekiranya kadar keuntungan 6.20% Sekiranya kadar keuntungan 7.20% Ansuran bulanan (purata) Jumlah kos faedah sehingga tahun ke 25 RM1, RM1, RM1, RM157, RM194, RM232, Jumlah bayaran keseluruhan sehingga tahun ke 25 RM357, RM394, RM432, Bagaimana sekiranya saya gagal memenuhi tanggungjawab saya? Caj Pembayaran Lewat Caj bayaran lewat sebanyak 1% setahun akan dikenakan ke atas jumlah tertunggak dari tarikh keingkaran (tertakluk kepada tempoh 7 hari) sehingga tarikh penerimaan pembayaraan oleh Bank. Hak Penjualan Hak Penolakan Pihak Bank berhak menjual Sijil ASB jika berlaku Kejadian Mungkir (tunggakan bayaran ansuran untuk 2 bulan atau lebih) dan tindakan undang undang boleh diambil terhadap anda jika masih terdapat sebarang kekurangan bayaran selepas penjualan sijil ASB. Pihak Bank mampunyai hak untuk mendebit sebarang baki kredit dalam akaun anda dengan pihak Bank terhadap apa-apa baki tertunggak dalam akaun pembiayaan ini. Tindakan Undang-Undang 1. Tindakan undang-undang boleh diambil terhadap anda dalam keadaan berikut: a) Akumulasi jumlah kekurangan defisit bayaran bulanan (jika ada). b) Kegagalan memberi respond kepada notis peringatan. 2. Tindakan undang-undang yang dikenakan terhadap anda akan menjejaskan penilaian kredit yang akan menyukarkan atau membebankan anda pada masa hadapan. 3. Anda akan dimaklumkan terlebih dahulu untuk apa-apa tindakan undang undang yang bakal diambil oleh Pihak Bank. 6. Bagaimana sekiranya saya membuat penyelesaian sepenuhnya ke atas pembiayaan ini sebelum tarikh tamat tempoh? Tiada penalti dikenakan sekiranya anda menjelaskan seluruh pembiyaan sebelum tamat tempoh. 7. Adakah saya memerlukan perlindungan insuran? Perlindungan insuran adalah wajib. 8. Adakah saya memerlukan penjamin atau cagaran? Penjamin tidak diperlukan. Unit pelaburan ASB melalui Pembiayaan ini akan digunakan sebagai cagaran. 9. Apakah yang perlu saya lakukan jika terdapat perubahan pada maklumat untuk menghubungi saya? Adalah penting untuk anda memaklumkan kepada kami mengenai sebarang pertukaran maklumat untuk menghubungi anda bagi memastikan anda menerima semua surat-menyurat tepat pada masanya. Untuk mengemaskini maklumat perhubungan anda, sila hubungi mana-mana cawangan Maybank yang berdekatan.

6 10. Berapakah jumlah sijil yang boleh saya beli pada setiap permohonan Pembiayaan ASB? Jumlah belian sijil yang dibenarkan adalah mengikut jumlah unit seperti berikut:- JUMLAH UNIT JUMLAH SIJIL YANG DIBENARKAN < 50, SIJIL JUMLAH SIJIL NILAI SIJIL JUMLAH NILAI SIJIL Sijil Pertama : Sijil Kedua : JUMLAH UNIT JUMLAH SIJIL YANG DIBENARKAN 50, ,000 3 SIJIL JUMLAH SIJIL JUMLAH NILAI SIJIL NILAI SIJIL Sijil Pertama : Sijil Kedua : Sijil Ketiga : JUMLAH UNIT JUMLAH SIJIL YANG DIBENARKAN > 100,000 4 SIJIL JUMLAH SIJIL JUMLAH NILAI SIJIL NILAI SIJIL Sijil Pertama : RM50, Sijil Kedua : RM50, Sijil Ketiga : RM50, Sijil Keempat : RM50, RM200, Nota: Yuran sijil adalah tertakluk kepada terma dan syarat yang dikenakan oleh ASNB. 11. Apakah faedah yang saya perolehi jika saya membuat pembelian lebih dari 1 sijil? Ia adalah bertujuan untuk memudahkan anda menebus sijil yang telah berbayar untuk kegunaan peribadi, tertakluk kepada terma dan syarat. 12. Bagaimana jika saya ingin mengeluarkan jumlah yang telah saya bayar dari akaun pembiayaan sedia ada? Anda boleh mengeluarkan jumlah yang telah dibayar melalui pakej penebusan separa, tertakluk kepada terma dan syarat. 13. Di mana saya boleh mendapatkan bantuan dan maklumat lanjut? Jika anda mempunyai masalah untuk membuat bayaran ansuran bulanan, anda perlu menghubungi kami secepat mungkin untuk membincangkan alternative bayaran balik. Anda boleh menghubungi kami di : Cawangan : Alamat : Tel/Fax : Atau anda boleh mengunjungi cawangan Maybank yang terdekat. Sebagai pilihan, anda juga boleh mendapatkan nasihat daripada Agensi Kaunseling dan Pengurusan Kredit (AKPK), sebuah agensi yang telah ditubuhkan oleh Bank Negara Malaysia untuk menyediakan perkhidmatan pengurusan kewangan, kaunseling kredit, pendidikan kewangan dan penstrukturan semula pembiayaan secara percuma kepada individu. Untuk membuat pertanyaan, sila hubungi : Tingkat 8, Maju Junction Mall 1001, Jalan Sultan Ismail Kuala Lumpur Tel :

7 Jika anda ingin membuat sebarang aduan mengenai produk atau perkhidmatan kami, anda boleh menghubungi kami di : Maybank Khidmat Pengurusan Maklumbalas Pelanggan Tingkat 28, Menara Maybank 100 Jalan Tun Perak Kuala Lumpur Talian Utama : Jika pertanyaan dan aduan anda tidak dapat diselesaikan oleh pihak kami, anda boleh menghubungi Bank Negara Malaysia LINK atau TELELINK di : Block D, Bank Negara Malaysia Jalan Dato Onn Kuala Lumpur Tel : Fax: NOTA PENTING: PIHAK BANK BERHAK UNTUK MENJUAL BALIK SIJIL ASB TUAN/PUAN YANG DICAGARKAN KEPADA PIHAK BANK SEKIRANYA PIHAK BANK MENDAPATI AKAUN PEMBIAYAAN TUAN/PUAN TIDAK DIKEMASKINI ATAU TERDAPAT TUNGGAKAN SEBANYAK 2 BULAN ATAU LEBIH DAN TINDAKAN UNDANG-UNDANG BOLEH DIAMBIL TERHADAP TUAN/PUAN UNTUK KEKURANGAN BAYARAN (JIKA ADA). Maklumat yang disediakan di dalam helaian ini sah bermula dari 15 Julai 2016

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