COMMODITY MURABAHAH DEPOSIT PRODUCT DISCLOSURE SHEET
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1 COMMODITY MURABAHAH DEPOSIT PRODUCT DISCLOSURE SHEET 1. What is this product about? Commodity Murabahah Deposit (CMD) is an Islamic fixed deposit with a fixed profit rate of return via the buying and selling of Shariah compliant commodities as the underlying asset transaction based on the Shariah concept of Murabahah via Tawarruq arrangement. This deposit is not protected by the Malaysia Deposit Insurance Corporation (PIDM). 2. What is the Shariah concept applicable? a) The Shariah concept applicable is Murabahah Tawarruq. b) Murabahah is a cost plus profit sale where the Seller will disclose his cost price and margin/profit/selling price to the customer. c) Tawarruq is the monetization of buying and selling of the commodity. 3. What do I get from this product? a) Attractive profit rate in relation to the underlying currency deposit. b) Flexible maturity dates which are able to match clients cash-flow needs. c) Short to medium term tenor ranging from one month to one year. 4. Terms and Conditions a) Minimum initial deposit amount USD500, for CORPORATES and USD75, for INDIVIDUALS and SME COMPANIES. b) Currency US Dollar but also available in Singapore Dollar, EURO, Australia Dollar and Saudi Riyal in USD equivalent amounts for categories stated above. c) Tenure Minimum 1 month to maximum of 1 year. Tenures can be negotiated based on number of days. d) Profit Rates The profit rates are quoted based on Per Annum basis.
2 5. What are the other key terms and conditions of this product that I should know? a) Withdrawal prior to the maturity date shall not entitle the depositor to any profit. Note: Customer is not permitted to make any premature withdrawal (part or full) under this product. If the customer requests for the payment before the maturity date, the Bank will pay the discounted amount as the Customer has violated the contract. b) Customer is required to sign the Terms and Conditions for Commodity Murabahah via Tawarruq Corporate Deposits. 6. What are the fees and charges I have to pay? Customer is required to borne the Telegraphic Transfer fees and charges by their respective bankers in order to remit the deposit amount to us in full. The brokerage / trading fees to buy and sell the commodity will be borne by the bank. 7. What are the risks involved? You are advised to carefully consider all risk factors before making a deposit. However, there is no risk involved in this product if no early withdrawal is made. 8. What do I need to do if there are changes to my contact details? It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner. 9. Where can I get further information? If you have any enquiries, please contact us at: Treasury Department, Alkhair International Islamic Bank Berhad, Level 38, Menara Standard Chartered, 30 Jalan Sultan Ismail, Kuala Lumpur, Malaysia. Tel : Fax : TreasuryMalaysiaUsers@alkhairmalaysia.com Web:
3 DEPOSIT KOMODITI MURABAHAH LEMBARAN MAKLUMAT PRODUK 1. Apakah produk ini? Deposit Komoditi Murabahah (CMD) ialah deposit berjangka Islam dengan kadar keuntungan tetap melalui pembelian dan penjualan komoditi patuh shariah sebagai asset dasar berdasarkan konsep Shariah iaitu Komoditi Murabahah melalui pengaturan Tawarruq. Deposit ini tidak dilindungi oleh Perbadanan Insurans Deposit Malaysia (PIDM). 2. Apakah konsep Shariah berkenaan? a) Konsep Shariah yang digunakan adalah Komoditi Murabahah melalui pengaturan Tawarruq. b) Murabahah adalah kos tambah keuntungan jualan di mana Penjual akan mendedahkan harga kos dan margin / keuntungan / harga jualan kepada pelanggan. c) Tawarruq adalah proses untuk mendapatkan tunai dengan membeli dan menjual komoditi. 3. Apakah yang saya perolehi daripada produk ini? a) Kadar keuntungan yang menarik berdasarkan mata wang yang di deposit. b) Tarikh matang yang fleksibel untuk memenuhi keperluan aliran tunai pelanggan. c) Tempoh berjangka pendek hingga sederhana daripada satu bulan hingga satu tahun. 4. Terma dan Syarat a) Deposit Minima USD500, untuk KORPORAT dan USD75, untuk INDIVIDU dan PERUSAHAAN KECIL DAN SEDERHANA. b) Mata Wang Dollar Amerika Syarikat malah boleh didapati di dalam mata wang Dollar Singapura, EURO, Dollar Australia dan Riyal Arab Saudi. c) Tempoh Minima 1 bulan hingga 1 tahun. Tempoh boleh dirunding berdasarkan bilangan hari.
4 d) Kadar Keuntungan Kadar keuntungan dinyatakan berdasarkan kadar keuntungan tahunan. 5. Apakah syarat-syarat utama yang lain dan syarat-syarat produk ini yang patut saya ketahui? a) Tiada keuntungan akan dibayar kepada pendeposit untuk pengeluaran tidak matang. Nota: i. Pelanggan tidak dibenarkan untuk melakukan pengeluaran tidak matang (separa atau penuh) untuk produk ini. Sekiranya pelanggan memohon pengeluaran tidak matang, pihak Bank hanya akan membayar amaun yang telah ditolak diskaun oleh kerana pelanggan telah melanggar kontrak. b) Pelanggan dikehendaki menandatangani Terma dan Syarat untuk Komoditi Murabahah melalui pangaturan Tawarruq Deposit Korporat. 6. Apakah kadar fi dan caj yang saya perlu bayar? Pelanggan dikehendaki menanggung fi pemindahan bertelegraf dan caj oleh bank asal pelanggan supaya amaun deposit dihantar kepada kami secara penuh. Bayaran pembrokeran / jual beli untuk pembelian komoditi akan ditanggung oleh pihak bank. 7. Apakah risiko-risiko utama yang dihadapi dalam produk ini? Anda dinasihati untuk mempertimbangkan semua faktor-faktor risiko sebelum membuat deposit. Walau bagaimanapun, tiada risiko yang dihadapi dalam produk ini sekiranya tiada pengeluaran tidak matang yang dilakukan. 8. Apakah yang perlu saya lakukan jika terdapat perubahan pada butiran peribadi saya? Adalah sangat penting bagi Pelanggan untuk memaklumkan kepada Bank jika terdapat sebarang perubahan dalam butir-butir maklumat Pelanggan, untuk memastikan bahawa semua surat-menyurat sampai kepada Pelanggan tepat pada masanya.
5 9. Di manakah boleh saya mendapatkan maklumat lanjut? Jika pelanggan memerlukan maklumat tambahan, sila hubungi pihak Bank di: Jabatan Perbendaharaan, Alkhair International Islamic Bank Berhad, Level 38, Menara Standard Chartered, 30 Jalan Sultan Ismail, Kuala Lumpur, Malaysia. Tel : Faks : E-mel : TreasuryMalaysiaUsers@alkhairmalaysia.com Laman sesawang:
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