1. BANK RAKYAT CREDIT CARD-i 1

2. Product Features: 1. Tawaruq Murabah Concept : Free from ‘Riba’ and ‘Gharar’ 2. No compounding element, transparent. 3. Profit charge : 18% per annum with tier pricing. Note: many banks cancelled tier pricing. Only use 18%. 2 Tiered PricingBank RakyatOthers 18.0 %Month 1 17.0%Month 7Month 13 13.5%Month 10Month 25 1st Year2nd Year3rd Year MONTH123456789101112 24 36 BANK RAKYAT18.0%17.0%13.5% Other Banks18.0%16.5%13.5%

3. Features (contd) : 4. Profit rebate 5. 0% mark up rate for overseas transactions. 6. Annual fee : - Gold & Classic – FREE for life - Platinum - FREE with one transaction a year 7. 20 days free profit 3 ItemsYear 1Year 2Year 3 Auto Debit0.5% Good Paymaster 1.0% 1.5%

4. Features (contd) : 8. FREE insurance coverage on death and permanent disablement for outstanding balance. 9. Khairat of RM1,000 10. SMS alert on out of pattern transaction. 11. One Time Password (OTP) for online transaction. 12. Worldwide usage (except Israel). 4

5. Features (contd) : 13. Blocked at non-halal merchants ie: Code 5921 : Package Stores-Beers,Wine and Liquor Code 5993 : Cigar Store and Stands Code 7372 : Dating and Escorts Services Code 7297 : Massage Parlors Code 7995 : Betting including Lottery Tickets, Casino Gaming Chips, Off-Track Betting and Wagers at Race Tracks Code 9754 : Gambling – Horse Racing, Dog Racing, Non-Sports Intrastate Internet Gambling 5

6. Requirements? Documents? 1. Principle applicant must be more than 21 years and 18 for supplementary. 2. Minimum annual income : RM24,000. 3. Photocopy of IC (front and back) 4. Photocopy of passport (foreigner / foreign worker) 5. Salary employed : - 3 months latest pay slip and/or - EPF statement and/or - EA form and/or - Commission / Allowances statement (for non fixed income) 6

7. Requirements? Documents? 6. Self employed : - registrar of company (SSM) and/or - 6 months latest bank statement and/or - latest form B and tax payment receipt 7. Retiree : - monthly pension statement and/or - latest 3 months bank statement 8. Approval based on BNM guidelines and DSR calculation. 7

8. Requirements? Documents? 9. Depositor / No proof of income / foreigner / foreign worker : - FD pledge by branch - back to back credit limit - photocopy of screen RFD9002 - photocopy of FD certificate - recommendation letter from Branch 8

9. Why credit card? 1. High yield => 18% per annum as compared to other product. 2. High return => Net profit more than 50% of revenue. 3. Revolving credit => Customer can still use the card after payment as compared to other products (one off). Continuous balance. 4. Easy cross-sell opportunity with other product. 9

10. Sales Pointer? 1. The card is free. 2. Ease of mind – balance is insured by takaful protection. 3. Savings on currency exchange (see example). 4. 20 days free profit rate. 10

11. BANK RAKYAT MODIFIED CORPORATE CREDIT CARD-i 11

12. Product Features: 1. Tawaruq Murabah Concept : Free from ‘Riba’ and ‘Gharar’ 2. NO compounding element, transparent. 3. Special profit charge : 13.50% per annum (normal rate 18%) 4. 0% mark up rate for overseas transactions. 12

13. Features (contd) : 5. Annual fee : GOLD card - FREE for life. PLATINUM card – FREE with one transaction per annum. 6. FREE insurance coverage on death and permanent disablement for outstanding balance. 7. Khairat of RM 1,000 13

14. Features (contd) : 8. SMS alert on out of pattern transaction. 9. One Time Password (OTP) for online transaction. 10. Worldwide usage (except Israel). 14

15. Features (contd) : 11. Blocked at non-halal merchants ie: Code 5921 : Package Stores-Beers,Wine and Liquor Code 5993 : Cigar Store and Stands Code 7372 : Dating and Escorts Services Code 7297 : Massage Parlors Code 7995 : Betting including Lottery Tickets, Casino Gaming Chips, Off-Track Betting and Wagers at Race Tracks Code 9754 : Gambling – Horse Racing, Dog Racing, Non-Sports Intrastate Internet Gambling 15

16. Others: 1.Entity to name card bearer. 2.Entity to inform Bank for credit limit of each card bearer. 3.Entity to inform Bank if card bearer resign, retire or not entitle for the card usage anymore. 4.Entity to inform Bank for statement address. 5.Entity to decide on RM1,000 Khairat. 6.Entity to decide on Rakyat Rewards. 16

17. Requirements : 1. Duly complete Application form. 2. Photocopy of IC of card bearer. 3. Undertaking Letter from Entity (signed by authorized signatory) that undertakes the liability of the card usages. 17

18. BANK RAKYAT DEBIT CARD-i 18

19. Why debit card? 1. Saving balance. No cash. 2. Q3 2016, bank will not issue any more ATM card. All cards issued will be on co-badge (combo). 3. 1/1/2018, there will be no more ATM card exist in Malaysia. All ATM cards must be re-carded. 4. Interchange fee on transactions. 5. Salary crediting – co branding opportunity ie Kads1m, PPKKM, CIDB. 6. Savings on currency exchange. 19

20. OPPORTUNITIES 20

21. 1. Incentives : - Platinum – RM100 per card approved - Gold – RM70 per card approved - Classic – RM40 per card approved - Explore race (by category) – additional cash for top three branches with the highest approval rate - first prize = RM3,000 - second prize = RM2,000 - third prize = RM1,000 - one prize for Regional office = RM1,000 2. FREE consultation from Card Business 21

22. 3. Fee base income for branches : - Cash over the counter – 10% of cash withdrawal fee per transactions will be credited to branches through GL 40000-063 Pdpt-Bayaran perkhidmatan KDKT-i daily NOTES : *Cash withdrawal Fee : - 3% or RM20 if withdraw at Bank Rakyat - 5% or RM20 if withdraw at other Bank 22

23. EXPECTATION 23

24. 1. Everyone must have knowledge on credit and debit card. 2. Each branch to communicate with at least 1 big organization for card sales presentation ie open booth etc. Contact us if you need assistance. 3. In communication with universities and colleges for Kads1m (opening of saving accounts for students). Bank is preparing to become panel for PTPTN. 4. Cross sell (integrasi) with vehicle financing and house financing. 5. Be alert on promotions on cards. 24

25. NO MARK UP RATE EXAMPLES 25

26. 26 That day exchange rate 8 Aug 2015: 2.973 Bank Rakyat card rate (Reuter rate => cheapest exchange rate for the day) 2.855 Savings: RM1,459

27. 27 That day exchange rate 9 Dec 2015: 3.1450 Bank Rakyat card rate (Reuter rate => cheapest exchange rate for the day) 3.060 Savings: RM46.88

28. 28 That day exchange rate 26 Jan 2016 : 4.3985 Bank Rakyat card rate (Reuter rate => cheapest exchange rate for the day) 4.3024 Savings: RM11.24

29. THANK YOU 29