1.0 KONSEP 2.0 MAKLUMAT KOMODITI. Seperti di Perkara 7 Jadual Pertama 3.0 BELIAN DAN JUALAN 3.1 HARGA BELIAN KOMODITI BANK

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1 Sukacita dimaklumkan bahawa Bank Rakyat ( Bank ) telah bersetuju meluluskan permohonan kemudahan Pembiayaan Peribadi-i seperti yang tertera di Perkara 3 Jadual Pertama tuan/puan tertakluk kepada syarat-syarat berikut:- 1.0 KONSEP Kemudahan Pembiayaan adalah di bawah prinsip Syariah Murabahah (dengan menerima pakai amalan Tawarruq) di mana berdasarkan wa`d daripada pihak pelanggan, Bank akan membeli komoditi daripada pihak pembekal komoditi dan seterusnya menjual komoditi seperti dinyatakan pada perenggan 2.0 di bawah kepada tuan/puan berlandaskan kontrak Murabahah pada harga jualan (kos komoditi berserta keuntungan) yang dinyatakan pada perenggan 3.2 secara tangguh dan kemudian, sebagai agen tuan/puan, Bank menjualkannya kepada pembeli pihak ketiga dengan cara tunai. Kutipan tunai daripada pembeli pihak ketiga ini akan dibayar mengikut arahan tidak terbatal yang diberi kepada pihak Bank melalui Purchase Requisition. 2.0 MAKLUMAT KOMODITI Seperti di Perkara 7 Jadual Pertama 3.0 BELIAN DAN JUALAN 3.1 HARGA BELIAN KOMODITI BANK Seperti yang Tertera di Perkara 8 Jadual Pertama. 3.2 HARGA JUALAN OLEH BANK Seperti yang tertera di Perkara 9 Jadual Pertama. 4.0 TUJUAN PEMBIAYAAN Seperti yang tertera di Perkara 10 Jadual Pertama. Surat Tawaran Pembiayaan Peribadi-i Kadar Tetap(Version 5.0) [Mukasurat 1]

2 5.0 TEMPOH BAYARAN Seperti yang tertera di Perkara 11 Jadual Pertama. 6.0 BAYARAN ANSURAN HARGA JUALAN Seperti yang tertera di Perkara 12 Jadual Pertama. 7.0 PENGELUARAN PEMBIAYAAN Pengeluaran pembiayaan akan dibuat kepada tuan/puan atau bagi manfaat tuan/puan setelah semua syarat pembiayaan telah dipenuhi oleh tuan/puan. 8.0 CARA BAYARAN ANSURAN BULANAN Ansuran bulanan hendaklah dibayar melalui cara yang tertera di Perkara 13 Jadual Pertama. 9.0 CAJ WAKALAH Caj Wakalah seperti yang dinyatakan di Perkara 14 Jadual Pertama BAYARAN DUTI SETEM Tuan/Puan dikehendaki menjelaskan bayaran Duti Setem seperti yang Tertera di Perkara 15 Jadual Pertama TAKAFUL Tuan/Puan dinasihati mengambil perlindungan Takaful Keluarga Berkelompok dengan mana-mana syarikat Takaful berlesen di Malaysia dan Bank menjadi penama kepada polisi ini. Jumlah sumbangan yang perlu tuan/puan jelaskan untuk perlindungan Takaful ini harus dibayar kepada syarikat Takaful berkenaan. Bagaimanapun, sekiranya tuan/puan ingin mendapat perlindungan sedemikian daripada mana-mana syarikat Takaful yang tersenarai dalam panel Bank, sumbangan demikian adalah seperti yang tertera di Perkara 16 Jadual Pertama. Sekiranya pihak tuan/puan memilih cara kedua ini, Bank boleh atas permintaan bertulis tuan/puan menjelaskan sumbangan Takaful tersebut JAMINAN Jaminan, sekiranya ada, adalah seperti yang tertera di Perkara 17 Jadual Pertama. Surat Tawaran Pembiayaan Peribadi-i Kadar Tetap(Version 5.0) [Mukasurat 2]

3 13.0 REBAT KEUNTUNGAN (IBRA ) Sekiranya tuan/puan membuat penjelasan awal ke atas Harga Jualan, Bank akan memberi Ibra kepada tuan/puan berdasarkan polisi dan prosedur semasa Bank yang akan dikira mengikut formula berikut:- Jumlah Penyelesaian Awal = Baki Harga Jualan Ibra + Caj Lewat Bayar (jika ada) Di mana; Ibra = Keuntungan Tertangguh + Prinsipal yang belum dikeluarkan (jika ada) Caj lain (jika ada) 14.0 PENJELASAN AWAL Tuan/Puan boleh menamatkan pembiayaan ini dengan mengemukakan notis tidak kurang dari satu (1) bulan kepada Bank dan menjelaskan baki Harga Jualan sepenuhnya dan lain-lain kos (sekiranya ada). Bank berhak untuk menuntut daripada tuan/puan kos sebenar yang berbangkit akibat daripada penjelasan awal tersebut tertakluk kepada polisi dan prosedur semasa Bank dan selaras dengan Garis Panduan Bank Negara Malaysia dan Prinsip Syariah BAYARAN GANTIRUGI (TA`WIDH) Sekiranya tuan/puan gagal untuk membayar mana-mana bayaran ansuran dalam tempoh yang ditetapkan, tuan/puan akan dikenakan bayaran gantirugi lewat seperti berikut; 15.1 Semasa Tempoh Pembiayaan Sekiranya tuan/puan gagal untuk membayar mana-mana ansuran seperti yang dinyatakan dalam Surat Tawaran ini pada bila-bila masa di sepanjang tempoh pembiayaan, tuan/puan adalah bertanggungjawab untuk membayar kepada Bank sejumlah gantirugi sebagai bayaran gantirugi lewat yang dikira pada kadar satu peratus (1%) setahun ke atas jumlah tertunggak. Bayaran gantirugi lewat hendaklah dikira bermula dari tarikh ansuran tersebut sehingga ke tarikh bayaran diterima oleh Bank. Kadar yang dikenakan oleh Bank tidak boleh digandakan ke atas ansuran tertunggak. Surat Tawaran Pembiayaan Peribadi-i Kadar Tetap(Version 5.0) [Mukasurat 3]

4 15.2 Selepas Tempoh Pembiayaan Sekiranya Harga Jualan atau mana-mana bahagian daripadanya masih belum dijelaskan sepenuhnya selepas tempoh pembiayaan, tuan/puan adalah bertanggungjawab untuk membayar kepada Bank sejumlah gantirugi sebagai bayaran gantirugi lewat yang dikira pada kadar Pasaran Wang Antara Bank Islam ke atas jumlah yang tertunggak bermula dari tarikh tamat pembiayaan sehingga tarikh penyelesaian sepenuhnya diterima oleh Bank. Kadar yang dikenakan oleh Bank tidak boleh digandakan ke atas baki Harga Jualan tertunggak SYARAT-SYARAT LAIN 16.1 Syarat-syarat terperinci berkenaan dengan pembiayaan ini ada dinyatakan di dalam perjanjian yang tuan/puan akan tandatangani kelak; 16.2 Bank berhak memaklumkan status/kedudukan pembiayaan ini kepada penjamin-penjamin pada bila-bila masa sama ada secara bertulis atau lisan (sekiranya berkenaan); 16.3 Bayaran sumbangan Takaful (jika ada) seperti yang dinyatakan di Perenggan 11.0 akan ditolak dari pembiayaan ini; 16.4 Bank berhak pada bila-bila masa dengan memberi notis secara bertulis kepada tuan/puan, menggunakan perkhidmatan pihak ketiga untuk tujuan kutipan bayaran ansuran tidak berbayar oleh tuan/puan termasuk mendedahkan maklumat peribadi tuan/puan, maklumat pembiayaan dan dokumen transaksi tuan/puan; 16.5 Bank berhak melalui notis kepada tuan/puan, menjual pembiayaan tidak berbayar tuan/puan kepada pihak ketiga termasuk mendedahkan maklumat peribadi tuan/puan, maklumat pembiayaan dan dokumen transaksi tuan/puan; 16.6 Tuan/Puan bersetuju untuk menerima maklumat pembiayaan termasuk peringatan baki pembiayaan dan tunggakan ansuran melalui saluran komunikasi seperti Sistem Pesanan Ringkas (SMS) dan E-mel menggunakan nombor telefon dan alamat e-mel seperti yang diberikan di borang permohonan. Sekiranya tuan/puan telah bertukar nombor telefon dan alamat e- mel, sila maklumkan kepada Bank secara bertulis untuk tujuan pengemaskinian; dan 16.7 Syarat-syarat lain seperti yang tertera di Perkara 18 Jadual Pertama. Surat Tawaran Pembiayaan Peribadi-i Kadar Tetap(Version 5.0) [Mukasurat 4]

5 17.0 DOKUMENTASI PEMBIAYAAN 17.1 Selain daripada Surat Tawaran ini, tuan/puan juga dikehendaki menandatangani dokumen-dokumen pembiayaan seperti berikut: 1. Aslah Tawarruq Personal Financing-i Facility Agreement 2. Purchase Requisition; 3. Murabahah Sale Contract; 4. Letter of Wakalah (Agency) Appointment; 5. Letter of Guarantee, jika berkenaan PENDEDAHAN MAKLUMAT Tuan/Puan bersetuju memberi kebenaran kepada Bank untuk mendedahkan apa-apa maklumat berkaitan dengan kemudahan kewangan dan data peribadi tuan/puan di Bank bagi apa-apa tujuan sekalipun kepada Cawangan Bank, Anak-anak Syarikat Bank, Bank Negara Malaysia (BNM), Central Credit Reference Information System (CCRIS), CTOS Sdn Bhd, Financial Information Services (FIS), Sistem Potongan Gaji Angkasa (SPGA), Sistem Pelaporan Kredit Angkasa & RAM Credit Information Sdn Bhd (SPEKAR) dan/atau mana-mana agensi pelaporan kredit berdaftar lain, Biro Maklumat Cek dan agensi lain yang diluluskan oleh BNM atau mana-mana pihak berkuasa lain yang mempunyai bidang kuasa ke atas Bank, pemegang serahan hak yang dibenarkan dan diberikuasa oleh Bank. Walau bagaimanapun, maklumat tersebut adalah disimpan secara sulit oleh pihak syarikat/agensi dan semua ahli /penyumbang PENGGUNAAN DATA PERIBADI Tuan/Puan bersetuju untuk Bank mengumpul data peribadi tuan/puan dan digunakan/diproses antara lain bagi tujuan penyampaian notis, perkhidmatan atau produk dan pemasaran/pengiklanan produk atau perkhidmatan dari semasa ke semasa; prosedur perkhidmatan/perhubungan pelanggan; penilaian kredit dan semakan latar belakang tuan/puan dengan pihak-pihak sepertimana yang dianggap sesuai; memenuhi keperluan undang-undang atau kawal selia berkaitan perkhidmatan atau produk Bank; penyelidikan, penanda aras dan analisis perangkaan; dan membolehkan Bank menghantar maklumat kepada tuan/puan melalui notis, panggilan telefon, SMS, E-mel, media sosial atau apa-apa cara yang munasabah dari semasa ke semasa dan Bank akan terus mengawal data peribadi tuan/puan dengan sewajarnya selaras dengan Akta Perlindungan Data Peribadi Sepanjang tempoh bayaran, tuan/puan boleh menarik balik persetujuan ini dengan memberikan notis bertulis terdahulu kepada Bank. Sekiranya tuan/puan bersetuju dengan syarat-syarat di atas, sila tandatangani surat tawaran ini dan kembalikan kepada kami dalam tempoh 14 hari dari tarikh surat ini. Surat Tawaran Pembiayaan Peribadi-i Kadar Tetap(Version 5.0) [Mukasurat 5]

6 Tuan/Puan dikehendaki menandatangani kesemua dokumen pembiayaan yang berkaitan dalam tempoh 30 hari dari tarikh persetujuan tuan/puan ke atas tawaran pembiayaan ini. Segala bayaran guaman dan perbelanjaan yang bersangkutan dengan urusan ini adalah di atas tanggungan tuan/puan walaupun tuan/puan memutuskan untuk tidak meneruskan urusan dokumentasi ini selepas menandatangani surat tawaran ini. Sekiranya pihak kami tiada menerima sebarang maklum balas daripada pihak tuan/puan dalam tempoh yang ditetapkan, maka dengan sendirinya tawaran ini adalah dianggap batal. Sekian. Yang benar, BANK KERJASAMA RAKYAT MALAYSIA BERHAD Nama : Jawatan : Nama : Jawatan : Surat Tawaran Pembiayaan Peribadi-i Kadar Tetap(Version 5.0) [Mukasurat 6]

7 MEMORANDUM PENERIMAAN TAWARAN Adalah dimaklumkan bahawa sumbangan Takaful (jika ada) yang dibayar akan diuruskan sama ada melalui prinsip Mudharabah atau Wakalah atau konsep-konsep patuh syariah yang lain yang bersesuaian yang akan ditentukan oleh pengendali takaful. Berdasarkan kepada prinsip-prinsip tersebut, saya/kami berhak atas manfaat takaful dan berkongsi lebihan (surplus) (jika ada) daripada Takaful keluarga berkelompok yang saya/kami sertai berkaitan pembiayaan ini. Saya/Kami bersetuju mendermakan sebahagian tertentu yang diputuskan oleh pengendali takaful terhadap lebihan (surplus) itu kepada Tabung Khas yang akan diselenggarakan oleh pengendali takaful untuk tujuan amal jariah saya/kami bersama peserta-peserta lain. Saya/kami memberi kebenaran bahawa sekiranya saya/kami membuat penjelasan awal atau pembiayaan semula, lebihan terhadap bayaran Plan Takaful Berkelompok akan ditolak dengan kos sebenar atau caj perkhidmatan yang munasabah jika ada pada kadar yang ditetapkan dari semasa ke semasa. Setelah Bank menolak kesemua kos yang dinyatakan seperti di atas dan masih terdapat lebihan terhadap bayaran Plan Takaful Berkelompok maka syarikat takaful akan memulangkan lebihan tersebut ke dalam akaun simpanan saya/kami. Saya/Kami membenarkan pihak tuan menghubungi majikan atau mana-mana pihak untuk mendapatkan sebarang keterangan mengenai diri saya/kami dan seterusnya membenarkan mereka memberi keterangan yang diperlukan oleh pihak tuan. Saya/Kami mengaku bahawa saya/kami bukanlah mana-mana pengarah dan/atau warga kerja Bank. Saya/Kami dengan ini memberi kebenaran kepada Bank yang tidak boleh dibatal tanpa syarat untuk mendedahkan apa-apa maklumat berkaitan dengan kemudahan kewangan saya/kami di Bank bagi apa-apa tujuan sekalipun kepada Cawangan Bank, Anak-anak Syarikat Bank, Bank Negara Malaysia (BNM), Central Credit Reference Information System (CCRIS), CTOS Sdn Bhd, Financial Information Services (FIS), Sistem Potongan Gaji Angkasa (SPGA), Sistem Pelaporan Kredit Angkasa & RAM Credit Information Sdn Bhd (SPEKAR) dan/atau mana-mana agensi pelaporan kredit berdaftar lain, Biro Maklumat Cek dan agensi lain yang diluluskan oleh BNM atau mana-mana pihak berkuasa lain yang mempunyai bidang kuasa ke atas Bank, pemegang serahan hak yang dibenarkan dan diberikuasa oleh Bank. Saya/Kami faham dengan terma-terma dan bersetuju dengan syarat-syarat di atas. Saya/Kami juga mengaku bahawa saya/kami tidak diisytiharkan muflis semasa menerima tawaran ini. TANDATANGAN PEMOHON Nama : No.K/P : Tarikh : Surat Tawaran Pembiayaan Peribadi-i Kadar Tetap(Version 5.0) [Mukasurat 7]

8 Jadual Pertama No. Perkara Maklumat 1 No Rujukan Surat 2 No Akaun 3 Jenis Pembiayaan 4 Tarikh 5 Nama Pelanggan 6 Alamat Pelanggan 7 Maklumat Komoditi 8 Harga Belian Komoditi (Perenggan 3.1) RM (Ringgit Malaysia : sahaja.) Surat Tawaran Pembiayaan Peribadi-i Kadar Tetap(Version 5.0) [Mukasurat 8]

9 9 Harga Jualan (Perenggan 3.2) RM (Ringgit Malaysia : sahaja.) 10 Tujuan Pembiayaan (Perenggan 4.0) 11 Tempoh Bayaran (Perenggan 5.0) Tahun ( ) bulan 12 Bayaran Ansuran (Perenggan 6.0) Ansuran bulanan sebanyak RM sebulan, selama bulan dan ansuran terakhir sebanyak RM Tarikh bayaran ansuran bulanan akan dimaklumkan melalui notis kepada tuan/puan selepas pembiayaan ini dikeluarkan. Bayaran ansuran berikutnya hendaklah dibayar pada tarikh yang sama pada setiap bulan sehinggalah Harga Jualan dan bayaran-bayaran lain (jika ada) dijelaskan sepenuhnya. 13 Cara Bayaran (Perenggan 8.0) 14 Caj Wakalah (Perenggan 9.0) RM (termasuk Yuran Broker dan Cukai Barang dan Perkhidmatan) Surat Tawaran Pembiayaan Peribadi-i Kadar Tetap(Version 5.0) [Mukasurat 9]

10 15 Bayaran Duti Setem (Perenggan 10.0) RM 16 Sumbangan Takaful (Jika ada) (Perenggan 11.0) RM 17 Penjamin (Perenggan 12.0) 18 Syarat-syarat lain (Perenggan 16.0) Surat Tawaran Pembiayaan Peribadi-i Kadar Tetap(Version 5.0) [Mukasurat 10]

11 ASLAH TAWARRUQ PERSONAL FINANCING-i FACILITY AGREEMENT AN AGREEMENT made on the day of 201 Between BANK KERJASAMA RAKYAT MALAYSIA BERHAD a co-operative society registered under the Co-operative Societies Act 1993 and having its registered office at Tingkat 35, Menara 1, Menara Kembar Bank Rakyat, No.33 Jalan Rakyat, Kuala Lumpur and a branch stated in Item 1 of the First Schedule (hereinafter called the Bank ) of the one part and the Party whose particulars are set out in Item 2 of the First Schedule (hereinafter called the Customer ) of the other part. WHEREAS:- In this Aslah Tawarruq Personal Financing i Facility Agreement (hereinafter referred as this Agreement ) where the context so admits:- Definitions (b) (c) (d) (e) (f) (g) (h) The expression the "Bank" and the Customer includes persons deriving title thereunder and its successors in title and assigns respectively. The expression the Facility means the facility of Aslah Tawarruq Personal Financing-i of the total sum as stated in Item 3 of the First Schedule granted by the Bank to the Customer under the Shariah principles of Murabahah (adopting the practice of Tawarruq) pursuant to this Agreement and other Security Documents and includes any part thereof. The expression Ringgit Malaysia and the sign RM mean the lawful currency of Malaysia. The expression Security Documents mean the documents referred to in Item 6 of the First Schedule. Words importing the singular number include the feminine and neuter genders. Words importing the singular number include the plural number and vice versa. The expression the Customer s receivables means all types and forms of receivable of the Customer in the form of invoices or any form of document of indebtedness issued by the debtors. The expression Profit Margin referred to in this Agreement shall be the difference between the Sale Price and the Facility and the method of recognition of the profit margin as the Bank s income shall be in accordance with the Bank s accounting policy prevailing at the material time; Application for Facility The Customer has applied to the Bank and the Bank has agreed to grant to the Customer the facility comprising a Aslah Tawarruq Financing-i facility in the amount set out in Item 3 of the First Schedule hereof (hereinafter referred to as the Facility"). The Bank has today issued to the Customer a letter of offer (hereinafter referred to as Letter of Offer which expression shall include any amendments, modifications and variations thereto). NOW THIS AGREEMENT WITNESSETH as follows:- 1. Sale Price The Bank hereby sells and the Customer hereby purchases the Commodity the details of which are as stated in the Section 3 of Murabahah Sale Contract (hereinafter referred to as the Commodity ) free from all encumbrances but subject to those conditions and restrictions in 11 Page 11 of 37

12 interest express or implied pertaining to the Commodity at the total sale price set out in Item 4 of the First Schedule hereto (hereinafter called the Sale Price ) which shall include the Bank s profit margin as defined in Clause 5 hereof. The Sale Price shall be payable by the Customer in the manner stated in Item 5 of the First Schedule. 2. Financing Under the Facility 2.1 Method of Financing under the Facility (b) The utilisation of the proceeds under the Facility shall first be preceded with a concluded sale transaction adopting the process and procedure laid down in this Clause 2 ( Sale Transaction ). Under the Facility, the Customer shall first make a written request ( Purchase Requisition ) which is irrevocable on issuance to the Bank including issuance of the following: (i) (ii) Purchase Request, to the effect that the Customer requests to purchase the Commodity from the Bank at the Sale Price; and Promise To Purchase (Wa d) whereupon the Customer promises to purchase the Commodity from the Bank at the Sale Price upon the Bank having purchased the Commodity from a commodity trader. (c) (d) (e) (f) (g) Upon receipt by the Bank of the Purchase Requisition from the Customer and pursuant thereto, the Bank shall purchase the Commodity from a commodity trader at the Purchase Price (as defined hereafter) which shall be an amount equivalent to the Facility. The commodity trader shall deliver the Commodity evidenced by the certificate for the transfer of ownership to the Bank. The Bank and the Customer shall then enter into the Murabahah Sale Contract evidencing the conclusion of the sale of the Commodity by the Bank to the Customer. A Sale Transaction under the Facility is concluded on the terms and conditions of this Agreement. The Customer shall pay the Sale Price on a deferred payment term in accordance with the payment instructions contained in the Murabahah Sale Contract. The Customer shall also execute and deliver a letter of wakalah (agency) appointment to the Bank whereby the Customer appoints the Bank as agent to sell the Commodity to a commodity trader at a price equivalent to the Facility. The Bank will then disburse the sale proceeds received from such sale, into the Customer s designated bank account acceptable to the Bank. Unless otherwise agreed between the parties, the Bank shall, upon request, allow the Customer to take possession of the Commodity or at the costs of the Customer, deliver the Commodity according to the Customer s instruction. 2.2 Passing of Title and Assumption of Risk The Commodity will be sold to the Customer - on an as is where is basis and the Customer shall have the right to inspect the Commodity before entering into the Murabahah Sale Contract. Upon the completion of the Sale Transaction and the Customer is deemed to have inspected the Commodity, the title and ownership of the Commodity together with all of its rights, interest, benefits and liabilities shall immediately be transferred to the Customer. 12 Page 12 of 37

13 (b) Where the Commodity is purchased by the Bank from a dealer the Customer shall be entitled to all warranties relating to the same and the Bank shall not be deemed to give the Customer any warranty in respect of the same. 2.3 Assignment of Contract No party may assign or transfer any of his rights and/or obligations under or in connection with this Agreement and/or any of the Sale Transactions to any third party. However, the Customer may assign or transfer any of his rights and/or obligations under or in connection with this Agreement with the consent of the Bank. 2.4 Utilisation and non- utilisation of the Facility (b) (c) The Customer shall be allowed to utilize the Facility upon fulfilment of the conditions precedent as set out in Clause 10 hereof subject to confirmation that the Security Documents as stipulated in Item 6 of the First Schedule hereof (hereinafter collectively referred to as Security Documents ) in respect of the Facility are in order valid and binding upon all the parties therein. Any disbursement of the Facility by the Bank shall be deemed and constitute a utilization of the Facility by the Customer. The Customer herewith expressly agrees that he shall utilize the Facility solely for the purpose set out in Clause 4 hereof. Any utilization of the Facility other than the Purpose shall constitute an event of default. 2.5 Availability of Funds/Review of the Facility (b) The granting and the continued availability of the Facility by the Bank to the Customer are at all times subject to the availability of funds. The Facility (including but not limited to the limits established by the Bank on the Facility) is subject to periodic review at any time and from time to time at the Bank s sole and absolute discretion and nothing herein contained shall be deemed to impose on the Bank any duty whether in law or in equity to make or continue to make available the Facility. The Bank reserves the right to terminate or withdraw the Facility at any time and from time to time provided that the Bank will assign the reason(s) for such termination or withdrawal. 3. Deductions The Customer hereby agrees that the Bank is entitled to deduct from the Facility, the costs as set out in Item 7 of the First Schedule hereto ( Deductions ). Any additional costs to be deducted and not specified herein shall be informed by the Bank in writing. 4. Purpose of Facility The Facility shall be utilised solely for Shariah compliant purpose the details of which are as set out in Item 8 of the First Schedule (hereinafter referred to as the Purpose ) failing which the Bank shall have the right to recall the facility and the Bank shall not be responsible for such noncompliance thereafter. 5. Purchase & Sale Prices The Parties herewith agree that the Bank s profit that has been mutually agreed upon under the Facility is herein stated as Item 9 of the First Schedule (hereinafter referred to as Bank s Profit ) and that the Purchase and Sale prices of the Facility shall be determined by the following mechanism: 13 Page 13 of 37

14 Purchase Price The purchase price shall be the actual costs so incurred by the Bank in purchasing of the Commodity so requested by the Customer ( the Purchase Price ). Sale Price The Sale Price by the Bank shall be calculated on the following basis: Sale Price = Purchase Price + Profit Margin The Sale Price shall be determined based on the disclosed acquisition cost with an added markup amount or percentage to be determined prior to the conclusion of this Agreement. The cost shall include the Purchase Price and any additional direct expenses related to the acquisition of the asset(s)/service(s). The agreed mark-up that is determined shall not be subjected to price variation or affected by currency fluctuation as payment due is pre-determined at the agreed currency. 6. Compensation Charges (Ta`widh) Notwithstanding anything contained in this Agreement, the Customer hereby agrees and undertakes to pay as follows: a) During the Facility Period In the event the Customer fails to pay any instalment as specified under this Agreement at any time during the Facility Period, the Customer shall be liable to pay to the Bank compensation amount for late payment calculated at the rate of one per centum (1%) per annum on the overdue instalment(s). Such compensation amount for late payment shall be calculated from the due date (s) for payment of such instalment(s) until the date when payment is received by the Bank. The rate imposed by the Bank shall not be compounded on the overdue instalments. b) After the Facility Period In the event the Sale Price or any part thereof (outstanding sum) remains unpaid after the Facility Period, the Customer shall be liable to pay to the Bank compensation amount for late payment calculated at the prevailing Islamic Interbank Money Market rate on the outstanding sum from the maturity date of the Facility until date of full settlement thereof. The rate imposed by the Bank shall not be compounded on the outstanding balance of the Sale Price. 7. Early Settlement The Customer may make early settlement to the Bank of the Sale Price in full, subject to the following conditions:- (b) (c) the Bank shall have received from the Customer not less than one (1) month prior written notice (Early Settlement Notice) of its intention to make early settlement specifying the relevant amount to be paid and the date of such payment; the Customer has paid in full all other monies due and outstanding under this Agreement and the other Security Documents; the amount payable by the Customer in respect of such early settlement shall be calculated based on agreed formula and in accordance with prevailing policy and procedure of the Bank; 14 Page 14 of 37

15 (d) any Early Settlement Notice once given pursuant to this Clause shall be irrevocable and the Customer shall pay the amount as determined by the Bank on the date specified in such Early Settlement Notice. 8. Ibra PROVIDED ALWAYS that the Bank shall be entitled to charge the Customer actual incidental costs and expenses incurred by the Bank due to early settlement made by the Customer in accordance with prevailing policy and procedure of the Bank in consistent with the Guidelines of Bank Negara Malaysia and Shariah principle. In the event the Customer makes an early settlement of the Sale Price pursuant to Clause 7 herein, the Bank shall grant an Ibra (rebate) to the Customer in accordance with the prevailing policy and procedure and to be calculated based on the following formula; Early Settlement Amount = Outstanding Selling Price Ibra + Late Payment Charges (if any) Where, Ibra = Deferred Profit + Undisbursed Principal (if any) Other Charges (if any) 9. Irrevocable Promise (Wa`d) The Customer hereby IRREVOCABLY promise based on Shariah principle of Wa`d Mulzim to purchase the Commodity from the Bank at the Sale Price by way of executing irrevocable promise (Wa`d) upon the terms and conditions of this Agreement and by such amount and manner in accordance with the details as stated in Items 4 and 5 of the First Schedule hereto. 10. Conditions Precedent for the Sale Transaction and the Disbursement of the Facility Notwithstanding any other provision herein contained, the performance of the Sale Transaction and thereby the disbursement of the Facility by the Bank only upon the fulfilment to the satisfaction of the Bank of the conditions precedent more particularly described in the Second Schedule hereto (hereinafter called "the Conditions Precedent"). Pending the fulfilment in manner satisfactory to the Bank of the Conditions Precedent, the Bank may at its absolute discretion cancel or terminate the Facility or any part(s) thereof with notice without having to assign any reason therefore PROVIDED ALWAYS that notwithstanding the non-fulfilment of any one or more of the Conditions Precedent, the Bank may without prejudice to all its powers privileges or remedies contained herein at its absolute discretion and upon such terms and subject to such conditions as the Bank may deem fit to impose, pay the Purchase Price or any part(s) thereof to or for the benefit of the Customer. It is hereby expressly acknowledged and declared that the Conditions Precedent are inserted for the sole benefit of the Bank and may therefore be waived wholly or in part by the Bank at its absolute discretion without prejudicing any of the rights of the Bank under any other document whatsoever and such waiver shall not prejudice the right of the Bank from insisting on the Customer s compliance with any such waived Condition Precedent at any subsequent time. 15 Page 15 of 37

16 11. Performance of Covenants The obligations of the Bank to make any disbursement under this Agreement shall also be subject to the following conditions: - (b) (c) (d) The Bank is satisfied that no event has occurred so as to render the Facility to become immediately payable, and no event of default under any agreement or arrangement referred to in this Agreement shall have happened and be continuing or threatened; There shall not have occurred any default in the performance by any party thereto of any covenant or agreement contained in any of the agreements and arrangements referred to hereinbefore; The Bank is satisfied that any disbursement of the Facility shall at the time of request therefore be needed immediately by the Customer for the Purpose specified in Item 8 of the First Schedule; and No extraordinary circumstances or change of law or other governmental action shall have occurred which shall make the situation to be improbable that the Purpose can be carried out or that the Customer will be able to perform the covenants and obligations on his part to be performed and observed under this Agreement and the Customer shall have also delivered to the Bank such evidence as to the proposed utilization of the proceeds of the disbursement as the Bank shall reasonably require; 12. Representation and Warranties 12.1 The Customer hereby represents and warrants to the Bank as follows: (b) Valid and binding: that this Agreement and the Security Documents constitute the legal, valid and binding obligations of the Customer in accordance with their respective terms and conditions; Non-violation: that the execution, delivery and performance of the Security Documents by the Customer: (i) (ii) (iii) shall not violate the provisions of any law or regulation or any order or decree of any governmental authority, agency or Court to which the Customer is subject; shall not violate the provisions of any mortgage, contract, promissory or other undertaking or instrument to which the Customer is a party or which is binding upon the Customer; shall not result in the creation or imposition of any obligation to create or impose any mortgage, lien, pledge or charge on any of the Customer's assets or revenues pursuant to the provisions of any such mortgage, contract or other undertaking or instrument; (c) Consents: that all consents, approvals or authorisations of any relevant authority which are required on the part of the Customer or which are advisable for or in connection with the execution, delivery, performance, legality and enforceability of this Agreement have been obtained and are in full force and any conditions contained therein or otherwise applying therein have been complied with; 16 Page 16 of 37

17 (d) (e) (f) (g) (h) (i) (j) (k) (l) No default: that the Customer is not in default under any agreement to which the Customer is a party or by which the Customer is bound and no bankruptcy or winding up proceedings are pending nor any litigation, arbitration or administrative proceedings are presently current or pending or threatened which default, bankruptcy, winding-up, arbitration or administrative proceedings as the case may be might materially affect the solvency of the Customer and might impair the Customer's ability to perform the Customer's respective obligations under the Security Documents; Power and authorisations: that the Customer has the full and absolute power, right and authority to execute this Agreement and the Security Documents. Material change in financial condition: there has been no material adverse change in the financial condition of the Customer since the date of the Letter of Offer; Information: all information furnished by the Customer, to the best of his knowledge and belief, do not contain any untrue statement or omit to state any fact the omission of which makes any statements made therein in the light of the circumstances under which they are made, misleading, and all expressions of expectation, intention, belief and opinion contained therein were honestly made on reasonable grounds after due and careful inquiry by the Customer and the Customer is not aware of any material facts or circumstances that have not been disclosed to the Bank which might, if disclosed, adversely affect the decision of a person considering whether or not to provide finance to the Customer; Disclosure: the Customer has fully disclosed in writing to the Bank all facts relating to the Customer which the Customer knows or should reasonably know and which are material for disclosure to the Bank in the context of the Facility; Event of Default: no Event of Default has occurred and/or is continuing; BMC Guidelines: that the Customer or the Customer's account is not listed under the Biro Maklumat Cek (BMC) guidelines or otherwise for that matter designated as "special" under such guidelines; Exclusive Purpose: that the Facility shall be exclusively applied towards the Purpose stated in this Agreement and shall at all times be used for halal purposes and will not be used in any manner which is in contravention with Shariah Principle; and Approval of the Shariah Committee: that the Customer understands that the Facility and the relevant Security Documents have been endorsed by the Shariah Committee appointed by the Bank as free from any element which is contrary to the Shariah principle and hereby agrees and undertakes that the approval is final, conclusive and binding upon the Customer; 12.2 The Customer acknowledges that the Bank has agreed to grant the Facility to the Customer on the basis of and in full reliance upon, the aforesaid representations and warranties, which will be correct and complied with in all material respects so long as this Agreement shall remain in force and each of the above representations and warranties will be correct and complied with in all material respects so long as the Facility shall remain available The truth and correctness of all the matters stated in the representations and warranties under this Clause shall form the basis of the Bank's commitment to make available or continue to make available the Facility to the Customer. If any such representations and/or warranties made shall at any time hereafter be found to have been incorrect in any material respect then and in such event and notwithstanding anything to the contrary hereunder the Bank shall have the right at its absolute discretion to review, suspend, recall or terminate the Facility or any part thereof. 17 Page 17of 37

18 12.4 The Customer shall be deemed to represent and warrant to the Bank on all material times which he shall hereafter utilise the Facility that: (b) the representations and warranties (up-dated mutatis mutandis) contained in this Clause are true and accurate in all respects as if made on such date; and no Event of Default contained in Clause 14 or any statement contained herein proves to be misleading or incorrect, he shall be deemed to have been made with the consent or connivance of or attributable to the neglect on the part of any director, manager or secretary or other similar officer of the Customer purporting to act in such capacity. 13. Covenants 13.1 The Customer hereby expressly covenants with the Bank that at all times during the continuance of the Facility:- (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) to furnish to the Bank on demand information as the Bank may from time to time require; to promptly pay all amount due and payable hereunder in accordance with the terms of the Facility; to perform all his obligations under the Security Documents promptly and diligently; to notify the Bank of the occurrence of any Event of Default hereunder or any event of default in relation to other indebtedness of the Customer or the occurrence of any event which might adversely affect his ability to perform and fully comply with his obligations hereunder; to utilize and apply the Facility for the purposes as stated herein; and to maintain and cause to be maintained in full force an active and satisfactory account. to ensure at all time satisfactory conduct on all credit facilities awarded to the Customer; to comply with any directive of the Bank which may be issued from time to time; to utilize the Facility for Shariah compliant purposes and operations only and the utilization of the Facility shall be governed by and construed by such rules and directives (whether or not having the force of law) required or imposed on the Bank and/or its agents by governments, central banks or other appropriate authority; to ensure that at all times his obligations under this Agreement and the other Security Documents to which he is a party to constitute direct and unconditional obligations of the Customer; to irrevocably promise to purchase the Commodity from the Bank at the Sale Price in the manner stipulated in this Agreement; and to comply in all respects with all laws to which he may be subject to, failure to do so would materially impair his ability to perform his obligations under this Agreement and other Security Documents to which he is a party; 13.2 The Customer hereby covenants that during the continuance of this Agreement and/or as long as any money remains to be paid by the Customer under the Facility, he will not without the consent in writing of the Bank first had and obtained; terminate, commit or threaten to commit a breach, amend or seek or grant any waiver in respect of any of the provisions of the Security Documents; 18 Page 18 of 37

19 (b) (c) (d) (e) create or permit to exist any encumbrances on the securities instruments pledged under the Security Documents; and assign, sell or otherwise howsoever deal with the Customer's rights, title and interest in the securities instruments pledged under the Security Documents or any interest therein. dispose and/or withdraw and/or reduce the membership share of the Customer referred terminate or seek to terminate, commit or threaten to commit a breach, amend or grant any waiver in respect of any of the provisions of: (i) (ii) this Agreements or other Security Documents hereof; or any other agreement entered into in connection with or in pursuance of this Agreement; (f) it will ensure that he has never and would not: (i) (ii) (iii) engage, directly or indirectly, in a transaction that involves proceeds of any unlawful activity; acquire, receive, possess, disguise, transfer, convert, exchange, carry, dispose, use, remove from or bring into Malaysia proceeds of any unlawful activity; or conceal, disguise or impede the establishment of the true nature, origin, location, movement, disposition, title of, rights with respect to, or ownership of, proceeds of any unlawful activity; and (g) involved in any money laundering activity/ies within the meaning of Section 3 of the Anti- Money Laundering and Anti-Terrorism Financing Act, 2001.In the event the Bank is of the view that any transaction herein shall have any possible implication under the Anti-Money Laundering and Anti-Terrorism Financing Act, 2001 the Bank may at the Bank s sole discretion, terminate the Facility and do such other actions which includes but is not limited to closing the Customer s account with the Bank without giving any notice whatsoever. 14. Events of Default 14.1 If the Customer shall: (b) (c) (d) (e) (f) make default in payment of any one or more of the instalments herein agreed to be paid; or fail to observe or perform any of the terms and conditions of this Agreement or any of the documents referred to in item 6 of the First Schedule hereof; or enter into any composition or arrangement with or for the benefit of his creditors or allow any judgement against him to remain unsatisfied for a period of fourteen (14) days; or commit any act of bankruptcy; become insane or die; and the Facility is not utilised for the Purpose granted. 19 Page 19 of 37

20 then and in any of such cases (hereinafter called "Event of Default") all monies and any other monies covenanted to be paid by the Customer under this Agreement and the documents referred to in item 6 of the First Schedule hereof shall become due and immediately payable to the Bank and the Bank shall be entitled to set-off and utilize the Security Deposit for the purpose of settling any instalments due and payable by the Customer herein and to enforce all the documents referred to in Item 6 of the First Schedule hereof and other remedies available to it under the law If the Customer shall fail to perform and observe all or any of the covenants, stipulations and conditions contained in this Agreement and/or other Security Documents hereof and on his part to be performed and observed within twenty one (21) days after the date of this Agreement or such later date as the Bank may in its absolute discretion stipulate, the Bank may at anytime hereafter at its option terminate this Agreement by notice in writing to the Customer Upon the giving of such notice, any part of the Facility not thereto before disbursed shall be cancelled, but any part of the Facility already disbursed shall become due and immediately payable on demand Notwithstanding anything to the contrary contained herein, the Customer is hereby agreed that on the satisfaction by payment or otherwise of the whole of the moneys due to this Agreement, all the provisions herein contained shall cease to be of any effect but without prejudice to the Bank s rights and remedies against the Customer in respect of any antecedent claim or breach of covenant. 15. Securities and Security Deposit 15.1 For better securing the payment of the Sale Price or any balance thereof as shall be outstanding and all monies whatsoever now of hereafter owing to the Bank by the Customer, the Customer shall simultaneously with this Agreement execute or cause to be executed any or all of the documents referred to in Item 6 of the First Schedule If requested by the Bank, the Customer shall prior to or at the time of the execution of this Agreement pay to the Bank a sum as set out in Item 10 of the First Schedule hereto by way of security deposit (hereinafter called the Security Deposit ) which shall be retained by the Bank for the due observance by the Customer and/or the other parties of the stipulations terms and conditions of this Agreement and all the documents referred to in the Third Schedule hereof and the Customer hereby authorises the Bank to set-off and utilise the Security Deposit for the purpose of settling any instalments and other monies payable by the Customer under this Agreement and/or such other document referred to herein PROVIDED ALWAYS THAT the Security Deposit shall be maintained at the amount set out in Item 10 of First Schedule hereto during the term of this Agreement and any balance of the Security Deposit after deductions of any instalments or other monies payable by the Customer herein shall be refunded to the Customer on full payment of Sale Price and all monies due herein. 16. Additional Securities Nothing herein contained shall prejudice or affect any lien to which the Bank is entitled to or any other securities which the Bank may at any time or from time to time hold for or on account of the monies hereby secured nor shall anything herein contained operate so as merge or otherwise prejudice or affect any guarantee, mortgage, charge, lien or other security which the Bank may for the time being have for any monies intended to be hereby or otherwise secured or any right or remedy of the Bank thereunder. 20 Page 20 of 37

21 17. Takaful The Customer is strongly encouraged and adviced to maintain or cause to maintain such family takaful protection from any licensed takaful operators in Malaysia and naming the Bank as his nominee. The Customer shall be responsible of any such payment and/ or contribution to the takaful operator for such protection. However, in the event that the Customer wishes to obtain such protection from any of the takaful operators enlisted in the panel list of the Bank, the Bank may, upon such request by the Customer make such contribution for the takaful contribution on behalf of the customer. Any such payment shall then be set off as one of the deductions (Clause 3) under this Agreement. 18. Time for Compliance of Conditions If the Customer shall fail to perform and observe all or any of the covenants, stipulations and conditions contained in this Agreement and/or other Security Documents hereof and on his part to be performed and observed within twenty one (21) days after the date of this Agreement or such later date as the Bank may in its absolute discretion stipulate, the Bank may at anytime hereafter at its option terminate this Agreement by notice in writing to the Customer. 19. Determination of the Facility (b) The Bank shall have the absolute right by notice in writing to the Customer to determine this Agreement or to refuse to disburse the Facility or any part thereof if the Sale Price or any compensation charges (Ta`widh) thereon shall become immediately payable under the provisions of this Agreement. Upon the giving of such notice, any part of the Facility not thereto before disbursed shall be cancelled, but any part of the Facility already disbursed shall become due and immediately payable on demand. 20. Effect of Payment of the Sale Price Notwithstanding anything to the contrary contained herein, he is hereby agreed that on the satisfaction by payment or otherwise of the whole of the moneys due to this Agreement, all the provisions herein contained shall cease to be of any effect but without prejudice to the Bank s rights and remedies against the Customer in respect of any antecedent claim or breach of covenant. 21. Waiver No failure or delay on the part of the Bank in exercising nor any omission to exercise any right, power, privilege or remedy accruing to the Bank under this Agreement upon any default on the Customer s part shall impair any such right, power, privilege or remedy or be construed as a waiver thereof or any acquiescence in such default nor shall any action by the Bank in respect of any default or any acquiescence in any such default, affect or impair any right, power, privilege or remedy of the Bank in respect of any other or subsequent default. 22. Reconstruction of the Bank The security liabilities and or obligations created by this Agreement shall continue to be valid and binding for all purposes whatsoever notwithstanding any change by amalgamation, reconstruction or otherwise which may be made in the constitution of the Bank and he is expressly declared that no change of any sort whatsoever in relation to or affecting the Customer shall in any way affect the security liabilities and or obligations created hereunder in relation to any transaction whatsoever, whether past, present or future. 21 Page 21of 37

22 23. Modifications The security liabilities and obligations created by this Agreement shall continue to be valid and binding for all purposes whatsoever notwithstanding:- (b) any time or indulgence which the Bank may from time to time grant to the Customer and/or the chargor for the payment of moneys due to the Bank or for the observance or performance of any term, stipulation, covenant, promissory or undertaking on the part of the Customer and/or the chargor to be observed and performed under the terms of this Agreement and the respective Security Documents; or any arrangement entered into or any composition accepted by the Bank modifying its rights and remedies under this Agreement and/or other Security Documents by way of any alteration in the obligations, terms, stipulations covenants, promissory(ies) and undertaking contained herein or by any forbearance whether as to payment time performance or otherwise. 24. Severability Any provision of this Agreement or the documents referred to in Item 6 of the First Schedule hereof which is invalid, unenforceable or prohibited shall not affect the validity or enforceability of the other provisions of this Agreement hereof or thereof. 25. Stamp Duty The Customer shall, upon notice from the Bank pay all stamp duties, fees or other charges payable on or incidental to the execution, issue, delivery and registration of this Agreement and any documents related thereto and shall reimburse the Bank for any such duties, fees or other charges paid by the Bank. 26. Right to Consolidate and Set-Off Upon the occurrence of an Event of Default the Bank may without notice to the Customer combine consolidate or merge all or any of the Customer's accounts with and liabilities to the Bank and the Bank shall give seven (7) days written notice to the Customer prior to the set-off or transfer any sum standing to the credit of any such accounts in or towards the satisfaction of any of the Customer's liabilities under this Agreement or the documents referred to in the Item 6 of the First Schedule hereof. 27. Law Applicable This Agreement shall be governed by and construed all respects in accordance with the laws of the States of Malaysia and the parties hereto hereby submit to the jurisdiction of the Courts of the States of Malaysia in all matters connected with the obligations and liabilities of the parties under this Agreement and the parties hereby further agree that the service of any Writ of Summons or any legal process in respect of any action arising out of or connected with this Agreement may be effected by forwarding a copy of the Writ of Summons and Statements of Claim or other legal process by prepaid registered post to their respective addresses hereinbefore stated. NOTWITHSTANDING, the Parties further agree that for the avoidance of doubt, any interpretation, questions disputes and/ or references by then Parties, any proceedings before any court or arbitrator, in relation with and concerning Shariah issues, principles and/ or practices, all parties shall take into consideration any published rulings of the Shariah Advisory Council of Bank Negara Malaysia or in the silent of which, refer the interpretation, questions, disputes and/ or references to the Shariah Advisory Council of Bank Negara Malaysia whose rulings and/ or recommendations shall then be binding on and followed by all parties. 22 Page 22 of 37

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