borang ringkas baru 1jun2015

7/24/2019 Borang Ringkas Baru 1jun2015.

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

FACILITY DETAILS / BUTIRAN KEMUDAHAN

ersonal Financing Amount Requested RMmaun Pembiayaan Peribadi yang dikehendakiayment Period (months)empoh Bayaran (bulan)_________________ Months/ Bulan

urpose of Financingujuan 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)__________________

ame as per MyKad /Nama seperti MyKad__________________________________________________________________

ex /Jantina Male /Lelaki Female /Perempuan

Date of Birth /arikh Lahir

dd /hh mm /bb yy /tt

ationality /Warganegara_______________________________

Residential Address /Alamat Kediaman____________________________________________________________________________________________________________________________

Name of Department /Nama Jabatan ______________________Address /Alamat____________________________________________________________________________________________________________________________________________________

Years of Service / Tempoh Berkhidmat

Position /

Jawatan

___________________________Annual Income /Pendapatan Tahunan______________________Other Income /Pendapatan Lain___________________________Status of Employment / Status Pekerjaan_____________________

ermanent Address (If different from residential address) /lamat Tetap (Jika berlainan daripada alamat kediaman)

ostcode /Poskod

Residence is /KediamanOwned /Milik Sendiri

ears there /Tempoh Menetap__________________

Marital Status /Taraf Perkahwinan

SingleBujang

MarriedKahwin

DivorcedJanda/Duda

WidowedBalu/Duda

o. of Dependents / Bilangan Tanggungan_________________

mail /Emel___________________________________________

REQUIRED DOCUMENTS / DOKUMEN DIPERLUKAN

**PERSONAL SECURITY REFERENCE / RUJUKAN KESELAMATAN PERI

Mothers Maiden Name /Nama Ibu Sebelum Kahwin______________________________________________________

**PERSONAL REFERENCE / RUJUKAN PERIBADIReferral Name and Contact No. /Nama Rujukan dan No. Tele____________________________________________________________________________________________________________

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 /lamat Surat-menyurat

Residence /Alamat Kediaman

Office /Pejabat

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

SPOUSES 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 /BumiputeraChinese /Cina

Indian /India

Others /Lain-lain

Race / Bangsa

REQUIRED DOCUMENTS / DOKUMEN DIPERLUKAN

2 copies of MyKad (front and back) /2 salinan MyKad (depan dan belakang)

1 original + 1 copy of Employee Confirmation Letter (with

Employers Letterhead) /

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

___________________________

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

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


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INANCING TRANSACTIONS AND EXPOSURE WITH CONNECTED PARTIES /RANSAKSI PEMBIAYAAN DAN PENDEDAHAN DENGAN PIHAK BERKAITAN

( ) Yes / Ya ( ) No / Tidak

PEMBAYARAN

ECLARATION /PENGESAHAN

DISBURSEMENT /

ease provide the Banks name and sole account number. / Sila nyatakan nama Bank dan nombor akaun tunggal.

Account No. / No. Akaun

declare, confirm and undertake that the details of the account stated above are correct and valid and that it is an individuallyccount which is active and non-dormant (i.e. not inactive for more than 6 months). I acknowledge that there could be delays irocessing of my application or that the Personal Financing-i for Government Servant amount may not be credited into my acco

he details given are not correct. Any charges imposed or levied on the account shall be my sole and absolute responsibilityability. /aya mengakui, mengesahkan dan mengakujanji bahawa butiran akaun yang dicatatkan di atas adalah pegangan individu yang aktif danorman (iaitu bukan tidak aktif selama 6 bulan). Saya akui bahawa mungkin berlaku kelewatan di dalam pemprosesan permohonan saymlah Pembiayaan Peribadi-i untuk Sektor Awam mungkin tidak dapat dikreditkan ke dalam akaun saya sekiranya butiran yang dibedak betul. Sebarang bayaran yang dikenakan atau dilevikan ke atas akaun tersebut adalah tanggungjawab dan liabiliti saya sepenuhny

o you have any immediate family or close relatives (including parent, brother/sister and their spouses, dependents of the spouwn/step/adopted children and spouse of the child/children) that are employees of RHB Banking Group? /dakah anda mempunyai ahli keluarga atau saudara terdekat (termasuk ibu bapa, abang / kakak / adik dan pasangan mereka dan tangg

epada pasangan, anak sendiri/ tiri / angkat dan pasangan tanggungan) yang merupakan kakitangan Kumpulan Perbankan RHB?

hereby confirm and declare that all information provided by me is complete, true and correct and that I authorize RHB Islamicerhad (the Bank) to verify any information provided and to obtain from any source including Inland Revenue Board as thensiders appropriate any information which the Bank may require. The Bank may, at its sole and absolute discretion, approve or y application. I agree that by signing and / or using the financing facilities, I agree to be bound by and to comply with all the termnditions of the Bank which will be sent to me upon approval of my application and any other terms and conditions imposed by the

om time to time for financing facilities and all amendments thereto and agree that financing facilities may only be used subject trms and conditions. I understand that the financing facilities when issued remain the property of the Bank and must be paid to the

pon request and shall be subject to cancellation with prior notice. I irrevocably and unconditionally agree, authorize and permank to disclose or release to Bank Negara Malaysia, Cagamas Berhad, the credit bureau established by Bank Negara Malaysia incut not limited to the Central Credit Reference Information System (CCRIS) and such other authorities pursuant to any applicabgulations or directive (whether having the force of law or otherwise) or any party as the Bank shall deem fit, any informationspect to me for any purpose including but not limited to the purpose of assessing my credit worthiness. I hereby confirm that no f

ermission or consent from me is necessary or required in relation to all of the above disclosures. I hereby declare that I haveached or contravened the provisions of Section 57 of the Islamic Financial Services Act 2013 read together with Bank Negara MaNM) Guidelines on Credit Transactions and Exposures with Connected Parties for Islamic Banks and/or of any replaceandards/guidelines/specifications/ circulars issued by BNM from time to time in connection herewith. I further declare and confe Bank that my spouse, parents, child/children are not in the employment of or directly related to any of the directors, offic

mployees of the Bank. I shall not dispute the contents of the faxed copy received by RHB Islamic Bank Berhad which shall be dethe original application and I shall produce the original application to the Bank upon request. I agree to abide by the la

alaysia related to Anti-Money Laundering and Counter Financing of Terrorism. I have been briefed on the description and beursuant to the Product Disclosure Sheet that has been given to me on the RHB Islamic Personal Financing-i for Government Serein. /

anks Name/ Nama Bank


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_________________ _________________ _________________ __________________ _________________ _________________ _____

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 / Program Code / Branch Code / Staff ID No /

aya dengan ini mengesahkan dan mengaku bahawa kesemua maklumat yang diberikan oleh saya adalah lengkap, benar dan tepat danemberi kebenaran kepada RHB Islamic Bank Berhad (Bank) untuk mengesah sebarang maklumat yang diberikan dan mendapat darana-mana sumber termasuk Lembaga Hasil Dalam Negeri sebarang maklumat yang dianggap perlu atau diperlukan oleh Bank. Bank bas budi bicara mutlaknya untuk melulus atau menolak permohonan saya. Saya bersetuju dengan menandatangani dan / atau menggu

emudahan pembiayaan ini, saya bersetuju untuk diikat oleh dan mematuhi dengan kesemua terma-terma dan syarat-syarat perjanjianng akan dihantar kepada saya setelah permohonan saya diluluskan dan kesemua terma-terma dan syarat-syarat lain yang dikenakan

ank dari semasa ke semasa untuk kemudahan pembiayaan dan semua pindaan lain dan bersetuju bahawa kemudahan pembiayaan holeh digunakan tertakluk kepada apa-apa terma-terma dan syarat-syarat. Saya faham bahawa kemudahan pembiayaan apabila diluludalah sentiasa hakmilik Bank dan hendaklah dibayar kepada Bank apabila diminta dan boleh dibatalkan oleh Bank dengan notis terdaaya dengan perihal tidak boleh dibatalkan dan dengan tiada syarat bersetuju, memberi kebenaran dan membenarkan Bank untuk memepada Bank Negara Malaysia, Cagamas Berhad dan biro kredit yang ditubuhkan oleh Bank Negara Malaysia termasuk tetapi tidak t

epada Sistem Maklumat Rujukan Kredit Pusat dan lain-lain pihak berkuasa di bawah sebarang undang-undang, peraturan atau peramada mempunyai kuasa undang-undang atau tidak) atau mana-mana pihak yang ditentukan sesuai dan berkenaan oleh Bank, sebaklumat berkenaan dengan saya untuk apa-apa tujuan termasuk tetapi tidak terhad kepada tujuan menilai kemampuan pembiayaan aya dengan ini mengesahkan bahawa tiada lagi kebenaran atau persetujuan dari saya adalah perlu atau dikehendaki berhubung deerkara tersebut di atas. Saya dengan ini mengaku bahawa saya tidak pernah melanggar peruntukan Seksyen 57 Akta Perkhidmatan Kewlam 2013 dibaca bersama dengan Garis Panduan Bank Negara berkenaan Urus Niaga Kredit dan Pendedahan dengan Pihak Berkaitan

erbankan Islam dan/atau mana-mana garis panduan pengganti/spesifikasi/pekeliling yang dikeluarkan oleh BNM dari semasa ke semasaerkaitan dengannya. Saya juga mengaku dan mengesahkan kepada Bank bahawa pasangan, ibu bapa, anak/anak-anak saya adalah bekerja atau secara langsung berhubung kait dengan mana-mana pengarah, pegawai atau pekerja Bank. Saya tidak akan mempertikaikndungan salinan faks yang diterima oleh RHB Islamic Bank Berhad yang akan dikira sebagai permohonan benar dan saya akan mengelu

ermohonan benar kepada Bank apabila diminta. Saya bersetuju mematuhi undang-undang Malaysia yang berkaitan dengan Pencegengubahan Wang Haram dan Pembanterasan Pembiayaan Keganasan. Saya telah diberitahu tentang keterangan dan faedah berhu

engan Helaian Pendedahan Produk yang telah diberikan kepada saya berkaitan dengan Pembiayaan Peribadi-i untuk Sektor Awamlamic yang dipohon di sini.

X


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5/14

Date :

RHB Islamic BankLevel 11, Menara Yayasan Tun Razak200, Jalan Bukit Bintang

55100, Kuala Lumpur

Sir / Madam,

AUTHORIZATION OF PAYMENT DEDUCTION FROM PERSONAL FINANCING-i FACILITY

We refer to the above.

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

1.0 Stamp Duty2.0 Takaful Contribution3.0 Redemption Amount

4.0 Trading Fee

Total Deduction

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

RHB Bank/RHB Islamic Bank Berhad

I also agree that the balance amount of the above financing (after deduction) will be paid by the Bank to me through Bank accouthrough 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 obehalf by the Bank, and I also agree and promise to pay the whole redemption amount to the Bank if I were to withdrawn fromfacility.

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

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 bearhe losses (on full indemnified basis) on behalf of the Bank on any losses or damages that incurred by the Bank on the Banks ac

n 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)


6/14


7/14

13

ANNEXURE 2

COMMODITY PURCHASE ORDER

(To be issued by the Customer to the Bank)

DATE :

TO : RHB ISLAMIC BANK BERHADLevel 12Menara Yayasan Tun Razak200 Jalan Bukit Bintang55100 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 whenused 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 (FacilityAmount).

I acknowledge that your purchase of the Specified Commodity will be upon my request herein contained and Iundertake 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


8/14

14

ANNEXURE 3

MURABAHAHSALEACCEPTANCELETTER

(To be issued by the Customer to the Bank)

DATE :

TO : RHB ISLAMIC BANK BERHADLevel 12Menara Yayasan Tun Razak200 Jalan Bukit Bintang55100 Kuala Lumpur, Malaysia(for the attention of..)

Dear Sirs,

LETTER OF OFFER DATED (LETTER OF OFFER) MURABAHAH SALE ACCEPTANCELETTER

Pursuant to my acceptance via the SMS replied or the acceptance made by you on my behalf as agent (wakeel), Ihereby confirmed that I have accepted your offer and purchased the Specified Commodity in accordance with theTerms 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


9/14

15

ANNEXURE4

SELLERS 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 youthe Specified Commodities which terms are as follows:

Terms

Seller : RHB Islamic Bank Berhad as agent

Purchaser : Broker B

Sellers 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 RHBIslamic 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 SellersOffer and forwarding the Selling Price to RHB Islamic Bank Berhad. Thereafter, the title and ownership of theCommodities will be transferred to you.

Yours faithfully,

..NAME : ..................................................

NRIC NO. : ..................................................

X


10/14

NOTIS PRIVASI RHB

Saya faham bahawa RHB Islamic Bank Berhad (680329-V) ("RHB") akan menggunakan, mengumpul, merekod, menyimpan, berkongsi dan/amemproses maklumat peribadi saya, termasuk, tanpa had, butir-butir pengenalan saya, maklumat latar belakang, data kewangan dan maklumat 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-syariinduk RHB, syarikat-syarikat subsidiari, dan mana-mana syarikat yang berkenaan), termasuk mana-mana syarikat yang terhasil daripada mana-mapenyusunan 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 perundangpersatuan-persatuan berkaitan industri/kewangan, biro-biro kredit atau agensi-agensi pelaporan kredit, penjual- penjual, rangkaian-rangkaian sosdan 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 perkembangtentang 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 pasara(v) perhubungan dan memastikan kepuasan pelanggan, yang mungkin termasuk menjalankan kajian-kajian meningkatkan kualiti produk-prod

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 nia

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 menyediakproduk/perkhidmatan yang saya minta daripada RHB dan untuk memaklumkan saya tentang sebarang perubahan penting atau perkembangan tentaproduk/perkhidmatan tersebut. Di mana saya telah memberi RHB maklumat peribadi sensit if (khususnya, maklumat tentang kesihatan fizikal / mensaya untuk permohonan bagi produk insurans / perkhidmatan), saya dengan ini memberikan RHB persetujuan nyata saya untuk memproses mengikut cyang dinyatakan dalam Notis Privasi ini.

Saya faham bahawa RHB mungkin akan mendedahkan maklumat peribadi saya (atau maklumat peribadi sensitif, jika berkenaan) kepada syariksyarikat lain di dalam Kumpulan Perbankan RHB, penyedia-penyedia perkhidmatan, peniaga-peniaga dan rakan-rakan kongsi strategik, pembekal-pembetermasuk agensi-agensi pemungutan hutang, penasihat-penasihat profesional, persatuan- persatuan berkaitan industri/kewangan, biro-biro kredit aagensi-agensi pelaporan kredit dan pencegahan penipuan, agensi-agensi kerajaan, institusi-inst itusi kewangan yang lain dan mana-mana ejen, pekedan/atau mana-mana orang mereka, sama ada bertempat di dalam atau di luar Malaysia untuk Tujuan tersebut, jika berkenaan, tertakluk pada setmasa 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, tidlengkap, dan lain-lain), akses kepada (fi yang ditetapkan mungkin dikenakan), atau untuk menghapuskan (jika saya tidak lagi mempunyai apa-aproduk/perkhidmatan yang sedia ada dengan Kumpulan Perbankan RHB) ke atas maklumat peribadi saya atau mengehadkan pemprosesan itu pabila-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:[email protected]

Saya mengakui bahawa Kumpulan Perbankan RHB boleh mengubahsuai atau mengemas kini Notis Privasi ini dari masa ke semasa, di mana salinannboleh didapati di www.rhbgroup.com dan saya boleh menyalurkan sebarang aduan atau pertanyaan yang saya mungkin ada dengan cara yaditunjukkan di atas.

PENGIKTIRAFAN DAN KEBENARANDengan memberikan maklumat peribadi saya berserta tandatangan, saya mengizinkan RHB memproses maklumat peribadi saya untuk mana-mapendedahan 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 berkai tan akibat daripada apa-apenyusunan semula, penjualan atau pengambilalihan mana-mana syarikat dalam Kumpulan Perbankan RHB, dengan syarat bahawa penerimenggunakan maklumat peribadi saya untuk Tujuan tersebut sahaja.

Saya juga menyatakan dan menjamin bahawa saya telah cukup memperolehi persetujuan individu-individu pihak ketiga (contohnya keluarga, pasangpihak-pihak berkaitan, pemegang kad tambahan dan/atau orang hubungan kecemasan, lain-lain) di mana maklumat peribadi mereka telah saya dedahkkepada RHB untuk membenarkan RHB membuat pemprosesan yang sama berhubung dengan Tujuan, jika berkenaan.
mailto:[email protected]:[email protected]:[email protected]://www.rhbgroup.com/http://www.rhbgroup.com/http://www.rhbgroup.com/http://www.rhbgroup.com/mailto:[email protected]


11/14

KEBENARAN UNTUK PENJUALAN SILANG, PEMASARAN, PROMOSI, DAN LAIN-LAINSaya/Kami mengizin dan membenarkan RHB memproses dan mendedahkan apa-apa maklumat yang saya/kami telah berikan kepada RHB untuk tujpenjualan silang, pemasaran dan promosi (termasuk untuk menjalankan tawaran dan pertandingan), dan menjalankan kajian (bagi memperbaiki kuproduk/perkhidmatan) kepada Kumpulan Perbankan RHB (di mana termasuk syarikat induk, anak-anak syarikat, mana-mana syarikat yang berkadan/atau mana-mana syarikat/cawangan yang terhasil daripada apa- apa penyusunan semula, penggabungan, jualan atau perolehan, sama adadalam 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 kudan memberi kebenaran kepada RHB Bank/RHB Islamic

Bank untuk mendapatkan apa-apa maklumat kredit daripada CTOS dan/atau mana-mAgensi Pelaporan Kredit berdaftar seperti yang didefinisikan di bawah Akta Agensi Pelaporan Kredit 2010 tanpa sebarang notis lanjut kepada Saya/Kbagi 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 berkenaanSaya/Kami telah dimaklumkan dan saya/kami dengan ini mengesahkan bahawa saya/kami memahami keperluan FATCA. Saya/Kami denganmengisytiharkan bahawa saya/kami

bukan individu Amerika Syarikat dantidak mempunyai ciri-ciri indicia

Amerika Syarikat

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

individu Amerika Syarikat/Entiti Sah Amerika Syarikat (sediakanborang W-9)

Sekiranya terdapat sebarang kemaskini berkenaan dengan maklumat akaun/status FATCA, saya/kami dengan ini bersetuju untuk memaklumkan pihak Rdan memberi bukti dokumen yang diperlukan dalam tempoh 30 hari dari tarikh perubahan tersebut. Saya/Kami mengizinkan dan memberi kebenaran kep

pihak RHB untuk mengambil sebarang tindakan berikut, jika berkenaan:1. Mengenakan sebarang penahanan bayaran cukai yang berkenaan ke atas akaun tersebut2. Melaporkan atau mendedahkan maklumat relevan berhubung dengan akaun tersebut3. Menamatkan (dengan notis terlebih dahulu) hubungan kontrak di antara saya/kami dengan pihak RHB

Nama:Tandatangan: _______________________No. KP:

X


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PERSONAL FINANCING-i FOR CIVILSECTOR VIA AGDate: ___________________________________

To be filled in b Sales/Branch Personnel

PRODUCT DISCLOSURE SHEET(Please read and understand this Product Disclosure Sheet togetherwith the general terms and conditions governing the Personal Financing-i for Civil Sector Via AG before you decide to take up this product. Seekassistance from RHB Islamic Bank Berhad if you need furtherclarification 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 governmentservant. The financing is offered through salary deduction using theservice 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 CommodityMurabahah via Tawarruq arrangement. Commodity Murabahah isreferring to trading of commodities which act as underlying assets ofa transaction. Customer will make payment of the sale price of thecommodity, which is including cost price and profit on deferred basis.With the concept of Tawarruq, Customers will receive cash inexchange for the commodities being sold off to third party.

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

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

b) Ownership of the commodity will be transferred to RHBIB;

c) RHBIB will sell the commodity to a Customer at a mark-upprice (purchase price plus profit margin)

d) Customer will appoint RHBIB as agent to sell-off the commodity;e) RHBIB acting as Customers agent will sell the commodity to

Broker B;

f) Broker B will purchase the commodity at the purchase price andcredit RHBIB account to reflect the sales transaction;

g) RHBIB will make the fund available to Customer in the form ofPersonal 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 theamount financed

RM _____________________

*Monthly payment is derived based on the formula: -

[(P !I !N) + P] / nWhere;P: Financing AmountI: Profit Rate per annumN: Total Number of monthly payment in Yearsn: 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 (perdocument)As per the Stamp Duty Act 1949(Revised 1989)

Brokerage fee RM30.00 per application

Collection feeNote:Subject to 6%Goods and Services

Tax (GST) (asdescribed below)

1.7% of monthly payment (inclusive of

GST)

Takaful contributionVaries accordingly to financingamount, age and tenor.

Note 1: Bank will inform you within at least 21 calendar days priorthe effective date of implementation should there be any changesthe fees and charges which are applicable to your financing facilityNote 2: Stamp duty, brokerage fee and Takaful contribution will deducted from the total f inancing proceeds.Note 3: 1.7% collection fee already incorporated in the monthpayment.Note 4: Please be informed that effective 1 April 2015, our bankifees and charges will be subject to GST, unless stated otherwisWith the implementation of GST, the Terms and Conditio(T&Cs) for our products may be amended from time to time via trelevant prior notices as prescribed in the T&C and su

amendments shall take effect on 1 April 2015. Kindly note thcurrently GST is not applicable for stamp duty, brokerage fee aTakaful 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 atotal permanent disability, the Takaful will pay off all outstand

amount of your financing with the Bank. This will alleviate the burdof payment on your survivors or next of kin. You shall take uppersonal Takaful plan from any Takaful operator as approved by tB k T k f l t ib ti ill d d th t d t

NO DOCUMENTS REQUIRED YES NO

1 1 original complete Application Form

2 2 copies of MyKad (front and back)

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

4

1 original + 1 copy of Surat AkuanKebenaran Potongan Gaji

Pembeli/Peminjam (AG- AccountantGeneral) / Surat Kebenaran PotonganGaji (BPA-Biro Perkhidmatan Angkasa)(whichever applicable)

51 original + 1 copy of EmployeeConfirmation Letter (with EmployersLetterhead)

61 original Letter of Authorization ofPayment Deduction from PersonalFinancing-i

7 2 copies Letter of Offer (Pre-sign)

81 copy of Product Disclosure Sheet(Banks copy)

9 1 original Shariah Compliance Checklist

10 1 original Self-Declaration Form

111 copy of RHB / RHBIB / any other banksAccount Passbook

121 original Redemption Statement of otherbanks/FIs (if any)

131 original Retirement Option Letter (forapplicant aged 48 years old & above iftenure exceeds mandatory retirement age)

141 original Transfer Letter (for applicantwho will be transferred in less than 6months from the point of application)


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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 theoverdue payment(s) until date of full payment and/or settlement;OR a sum equivalent to the BNMs Islamic Interbank MoneyMarket (IIMM) Rate on the balance principal amount outstandingupon maturity date or the expiry of the Financing.

b) The Bank may set-off any credit balance in any accountmaintained with the Bank against any outstanding balance inthis facility account which the Bank will notify you within at least7 calendar days in advance.

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

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

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

Any excess payment of the monthly paymentwill be recognised asadvance 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 thetransaction documents and / or security documents in any of thefollowing situations:

i. any early settlement or early redemption by you includingprepayment;

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

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

iv. any settlement by you in the event of termination orcancellation of the Facility before the expiry of the Facilityperiod.

Rebate (Ibra) = *Remaining Unearned Profit Early SettlementCharges (if any).*Remaining Unearned Profit is equal to unrealised profit at the time offull settlement

The calculation of rebate (Ibra) shall be made in accordance with anyrules, regulations and/ or directives (whether or not having the forceof law) required of or imposed upon the Bank from time to time and atany 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 yourmonthly payment.

For government employees, monthly payment is deducteddirectly from the salary account. For those who opted to earlysettle the facility, a certain period of processing time is requiredto cease the deduction from the salary account. Therefore, youare advised to properly plan their time to make early settlementas it may result in over deduction of the salary account eventhough 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 currentemployment status e.g transfer or resignation?If you are going to be transferred or resigning from currentemployment, you need to contact:Customer Care CentreEmail :[email protected] [email protected] :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 yourcontact details to ensure that all correspondences reach you in atimely manner.

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

us the earliest possible to discuss payment alternatives.

b) Alternatively, you may seek the services of Agensi Kaunselidan Pengurusan Kredit (AKPK), an agency established by BaNegara Malaysia to provide free services on monmanagement, credit counseling, financial education and derestructuring for individuals.

You can contact AKPK at:Tingkat 8, Maju Junction Mall, 1001,

Jalan Sultan Ismail, 50250 Kuala Lumpur.Tel : 1-800-88-2575Email :[email protected]

c) If you wish to complain on the products or services provided us, you may contact us at:RHB Islamic Bank BerhadLevel 11, Menara Yayasan Tun Razak,200, Jalan Bukit Bintang, 55100 Kuala Lumpur.Tel: 03 9206 8118 / 082 276 118Fax: 03 9206 8088 / 082 276 088Email: [email protected]:www.rhb.com.my

d) If your query or complaint is not satisfactorily resolved by uyou may contact Bank Negara Malaysia LINK or TELELINK a

Block D, Bank Negara MalaysiaJalan Dato Onn,50480 Kuala Lumpur.Tel : 1-300-88-5465, Fax : 03-21741515E-mail :[email protected]

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 118Fax : 03 9206 8088 / 082 276 088Email : [email protected] Web :www.rhb.com.my

17. Other personal financing package available:

Personal Financing-i for PensionerPersonal Financing-i for Private Sector

Other Information:

Where the financing tenor extends into retirement, it is important thApplicant plans ahead to make sure that the Applicant would be ablecontinue to meet the obligation to pay the Monthly Payments afretirement.

I/ We hereby confirm havingexplained the Product DisclosureSheet (PDS) to Customer.

Staff Name:Staff ID:Date:

I/ We hereby confirm havingreceived and understand theexplanation given.

Name:NRIC:Date:

IMPORTANT NOTE: LEGAL ACTIONMAY BE TAKEN AGAINST YOU IF

YOU DO NOT KEEP UP WITHPAYMENTS ON YOUR PERSONALFINANCING.

The information provided in this disclosure sheet is valid as at 1 Apri2015

X
mailto:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]://www.rhb.com.my/http://www.rhb.com.my/http://www.rhb.com.my/mailto:[email protected]:[email protected]:[email protected]://www.rhb.com.my/http://bnm.gov.my/http://www.rhb.com.my/http://www.rhb.com.my/http://www.rhb.com.my/http://www.rhb.com.my/http://bnm.gov.my/http://www.rhb.com.my/mailto:[email protected]://www.rhb.com.my/mailto:[email protected]:[email protected]


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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

borang ringkas baru 1jun2015

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