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M

RCE Marketing Sdn Bhd

NEW RCE-YAYASAN PRODUCT LAUNCH


28 October 2011
Private & Confidential
member of

Take a GUESS????

4.99% INTEREST RATE ??? 5.99%


member of

New Product Features


No Features RCE-Yayasan NEW (1 Nov 2011 31 Mar 2012)
1
2 3 4 5 6 7 8 Existing

Product
Interest rate Tenure Refinancing * Payout Net Payout Min Financing Amount Max Financing Amount

Y3
4.99% 1 yr -22 yrs Allowed
100% 92% RM 1,000 RM 250,000

Y4
5.99% 1 yr -22 yrs Allowed
100% 92% RM 1,000 RM 250,000

Y1
7.88% 5 - 20 years Nil 100% 92% RM 1,000 RM 250,000

* Refinancing Account Year 2008 and before


member of

Deduction
No 1 Descriptions Stamp Duty -Original -Customer copy New Product Y3 Y4 Existing Product Y1 RM 5 per RM 1,000 FA RM 10

RM 5 per RM 1,000 FA RM 10

2
3 4 5

Advance Instalment
Subscription Fee Monthly Member Fee BPA Charges

2 months
RM 20 RM 20 2%

2 months
RM 20 RM 20 2%

Nil
RM 20 RM 20 2%

member of

Existing Product Features


No Features 1 Product code Y1 Y2

2
3 4

Profit/Interest rate
Min. Financing amount Max. Financing amount

7.88%
RM1,000 RM250,000

7.88%
RM1,000 RM150,000

5
6 7

Tenure
Payout Stamp duty Original - Copy Subscription fee

5-20 years
92%

1-10 years
87%

RM5 per RM1,000 RM5 per RM1,000 FA FA RM10 RM10 RM20 RM20
member of

Payout Illustration
Lower monthly instalment
Product Y1 = Existing
Loan amt Tenure Interest Rate Interest Amt Gross Amt Stamp Duty Mthly inst -Loan payment -BPA charge -Member fee RM10,000 240 mths 7.88% RM15,760.00 RM 25,760.00 RM 60.00 RM 129.48 RM107.33 RM 2.15 RM 20.00

Product Y3 = New
Loan amt Tenure Interest Rate Interest Amt Gross Amt Stamp Duty Mthly inst -Loan payment -BPA charge -Member fee RM10,000 240 mths 4.99% RM 9,980.00 RM 19,980.00 RM 60.00 RM 104.92 RM 83.25 RM 1.67 RM 20.00

member of

Payout Illustration
Product Y1 = Existing
Installment Tenure Interest Rate RM 224 240 mths 7.88%

Product Y3 =New
Installment RM 224

Tenure
Interest Rate

264 mths
4.99%

Loan amt

RM18,633

Loan amt

RM25,169

Deductions
Gross P/Out Stamp Duty 3rd Party Deduct Sub. Member Net P/Out (91%) RM18,633 (RM 95) (RM 1,491) (RM 20) RM 17,027

Deductions
Gross P/Out Stamp Duty 3rd Party Deduct Sub. Member Advance Inst. Net P/Out (90%) RM25,169 (RM 130) (RM 2,014) (RM 20) (RM448) RM 22,557

Extra cash in hand of RM5,530

member of

New Credit Criteria


Product : Y3
Status

4.99% , Tenure : 22 years


Sector A = AG Service Period 3 years 5 years 5 years 5 years Max Loan RM 250K RM 250K RM 150K RM 60K

Permanent

B = State / C* C / D (Hosp / GLC) E of ALL / UNI

REMARKS: Min Age Min Income

: 20 years old : RM 1,200

member of

Management reserves absolute right to reduce loan amount based on internal risk evaluations.

New Credit Criteria


Product : Y4

5.99% , Tenure : 22 years


Sector Service Period Tenu re Max Loan RM 150K RM 100K RM 60K

Status

A = AG

6 mths < x < 22 3 years years

Perman B / C / D 6 mths < x < 15 REMARKS: ent Age Min : 18 years old 5 years years
Min Income : RM 700

E of ALL / UNI

6 mths < x < 15 5 years years

member of

Management reserves absolute right to reduce loan amount based on internal risk evaluations.

New Credit Criteria


Product : Y2
Status

7.88%
Sector Service Period 6 mths < x < 1 year Tenure Within contract 37 years 10 years 5 years 7 years Max Loan 15X / RM15K 15X / RM 30K 15X / RM 60K 15X / RM15K 15X / RM 30K

Contract

F = Contract (A /B/C/D/E)

1 year / Auto Renew 7 years

Permanent G = NGS

1 year 3 years

REMARKS: Min Age Min Income

: 18 years old : RM 700

member of

Management reserves absolute right to reduce loan amount based on internal risk evaluations.

Loan Documentation
Documents to Customer (By M.O) 1. Loan Application form 2. Membership Form 3. BPA 1/79 Documents from Customer 1.Original pay slip 2.Copy of IC/Authority card 3.Copy of bank statement 4.Employer confirmation letter Documents to be signed by Customer at RCEM 1. Schedule J 2. Side letter 3. Authorize pay 3rd party & indemnity letter 4. Loan agreement 5. Letter of declaration

5.Latest phone/utility bill


6. Option Letter
member of

Management reserves absolute right to reduce loan amount based on internal risk evaluations.