2. Marketing Support by Referral Name : KEE MOHD THARIQ BIN K ZAINAL ABIDIN Referral Membership/CIC No. : 113977

5. What’s yours? We all have dreams…….

6. How far exactly is our dream from where we are right now? We all have our own dreams…….

7. How are you getting paid? Fixed Salary? Commissions? Combination of both?

8. Active vs Passive Income Which one do you prefer?

9. If you say PASSIVE, welcome to the world of endless opportunities… For the rest welcome to our preview session CONGRATULATIONS!

10. What is passive income? Income that you receive without you exchanging your time and efforts. MLM Insurance Real Estate investment Dividend Income from businesses

11. Our obligations…. How many of us here are debt FREE? When you apply for a financing, what are you really looking for?

12. Everyone looks for…. …..cheapest cost of financing

13. Have you ever heard of…. a bank that is willing to share part of its profit … to assist you in reducing your monthly obligations… so that it treats you as its partner… and grow together with you in fulfilling your dreams.

14. zero cost of financing… their installments paid for every month… their financing for free… additional monthly income… What if I say that all Al Rajhi customers can get…

15. Introducing…..

19. Let’s understand how direct selling company pays their members? Members of direct selling company needs to make minimum purchase every month. Out of this minimum purchase, the company will realize its profit and a portion will be shared based on hierarchy of network within the direct selling company. If no purchase is made, no income will be shared. It’s that simple.

20. How does Al Rajhi share the profit and reward AFF members? Al Rajhi will only realizes its profit when customers make monthly installments. In each installment, it consists of: Profit Principal / Cost

21. How does Al Rajhi share the profit and reward AFF members? MonthBeginning AmountInstalmentProfitPrincipalEnd Amount 1RM250,000RM1,984RM1,052RM931RM249,069 2 RM1,984RM1,048RM935RM248,133 3 RM1,984RM1,044RM939RM247,194 4 RM1,984RM1,040RM943RM246,251 ** 74RM170,599RM1,984RM718RM1,266RM169,334 75RM169,334RM1,984RM713RM1,271RM168,063 76RM168,063RM1,984RM707RM1,276RM166,787 ** 178RM5,901RM1,984RM25RM1,959RM3,942 179RM3,942RM1,984RM17RM1,967RM1,975 180RM1,975RM1,984RM8RM1,975RM0

22. How does Al Rajhi share the profit and reward AFF members? Out of the profit portion, the cost of fund will be deducted to obtain the gross profit. Al Rajhi will share a certain percentage from this gross profit and pay to its AFF members.

23. How does Al Rajhi share the profit and reward AFF members? The percentage to be shared from the gross profit are as follows: Personal Finance12.50% Home Finance10% Vehicle Finance9%

24. How does Al Rajhi share the profit and reward AFF members? Example for Home Finance: Finance amount: RM250,000 Profit Rate: BFR – 1.70% Tenure: 15 years Monthly Installment Amount: RM1,983

25. How does Al Rajhi share the profit and reward AFF members? Example for Home Finance: Principal 1 st Month: RM931 Profit 1 st Month: RM1052 Cost of Fund to be deducted from 1 st Month Profit = (4.23% X RM250,000 / 12) = RM881 Profit to be shared = (RM1052 – RM881) X 10% = RM17.1

26. How will the members be rewarded? Members are rewarded based on their position within the hierarchy network. You may refer any number of members under your network and your referred members may do the same. Any member can refer unlimited number of members directly under him/her. Profit can only be shared within 4 levels under each member.

27. How does Al Rajhi share the profit and reward AFF members? Example for Home Finance: Profit to be shared = (RM1052 – RM881) X 10% = RM17.1 As there are 4 levels to be shared, the amount each member gets at each level from the PROMPT installment will be: RM17.1 / 4 levels = RM4.27

29. Although there is no minimum monthly purchase in AFF, all members that obtained financing are required to make PROMPT payment. PROMPT payment is defined as payment made ON or before the due date. Profit of installment will not be shared if the installment is paid after the due date. How will the members be rewarded?

31. Types of membership within AFF? Category of Membership Classification CriteriaPayment % of Accumulated Incentive PremiumRefer and maintain 14 or less financing customers to the bank within his/her four levels of network. 50% SpectrumRefer and maintain at least 15 financing customers to the Bank within his/her four levels of network. Out of 15 financing customers in the network, 4 of them have to be in Level 1 of the network. 75% TitanRefer and maintain at least 35 financing customers to the Bank within his/her four levels of network. Out of 35 financing customers in the network, 4 of them have to be Spectrum member. 100%

34. When will I get my incentive? On the 5 th of every month, the system will check all installment payment for the previous month. Then all prompt accounts will be arranged in the network hierarchy and the system will apportion the payment accordingly. On the 7 th, system will credit all incentives payable into your saving/current accounts.

35. What if…. If I obtain a financing of 250k for 15 years @ 5.05%, my installment per month will be RM1,983 How many customers that I need to refer within my network in order for me to payoff my monthly installment? For each referred customers of the same finance amount, each one will provide RM4.27, if they pay prompt. Therefore, for RM1,983 per month, you have to get 464 customers directly under you or you need to get only 5 customers at Level 1 and everybody does the same up to 4 levels. You will have 780 members in your network contributing RM3331.

36. What if…. How many customers should there be in my network if I want to earn RM12,000 per month? There should be 2800 customers within your 4 levels of network each taking financing of RM250,000 and making PROMPT monthly payments. Or you need only 7 customers directly under you at Level 1 and everyone in your group does the same up to 4 levels downward.

37. In Brief…. Finance AmountRM250,000 Desired IncomeNo of membersEach to introduce RM6,63615546 RM11,95828007 RM19,98746808 RM31,51873809 RM47,4481111010 RM68,7771610411 RM96,6062262012

38. In Brief…. Finance AmountRM400,000 Desired IncomeNo of membersEach to introduce RM10,61915546 RM19,13328007 RM31,98046808 RM50,43073809 RM75,9181111010 RM110,0441610411 RM154,5702262012

39. How much you can get in total from financing referred? PF 500k1mil2mil3mil4mil5mil8mil10mil15mil20mil $4,651$9,301$18,603$27,904$37,206$46,507$74,412$93,015$139,521$186,029 HF 100k300k500k1mil2mil4mil8mil10mil15mil20mil $242$727$1,211$2,423$4,846$9,691$19,382$24,227$36,341$48,455 AF 50k100k200k400k800k1mil2mil3mil5mil8mil $71$143$285$570$1,140$1,425$2,851$4,276$7,127$11,404 20 years financing 5 years financing 7 years financing

40. Will I be able to enjoy the shared profit immediately? It depends on type of financing products that your friends and family take. For Personal Finance & Vehicle Finance, rewards will be shared immediately after your referred members make the prompt monthly payment. For government servant members, monthly deduction will only commence 3 or 4 months after disbursement. For Home Finance, disbursement may take up to 4 months and installment will commence after disbursement has been done.

41. What if I refer a customer and he does not want to be an AFF member? Membership is done at the free will of the customer. You can still get referral income from this customer. This customer, however, will not be eligible to refer and obtain referral income from other customers unless he joins the AFF. You still need to register this customer in AFF as non-member. No membership fee will be levied.

42. All member needs to pay: a one time registration fee of RM50 to be deducted on the following 7 th of the month after membership application is submitted & approved. subsequent years annual fee of RM20 to be deducted on 7 th of the month of the anniversary. No Cash will be collected by members. All fees are deductible from customers’ savings or current account. How much does the membership cost?

43. Membership must be registered before a financing account is opened. Payment of incentive will only be paid to active member. Non active member will not receive their monthly incentive. Renewal of membership will be done automatically on the anniversary date where Al Rajhi will deduct the annual fee from their current or saving account. What is the difference between active and non-active member?

44. A statement will be provided on a monthly basis on your referred members coming from each level. No customer details will be provided as we will infringe BNM. Each member will be given a portal ID to check their direct recruit performance in Phase 2. How do I know that my members paid on time?

45. Who is Al Rajhi targeting to be members of its AFF? All retail financing products are eligible for this program: Personal Finance Home Finance Vehicle Finance Shop Finance (when we launch)

47. Who are Al Rajhi targeting to be members of its AFF – Home Finance? Malaysian and expatriates buying property/refinance property within locality of Al Rajhi’s branches. Max MOF: 90% Foreigners / Malaysians working abroad seeking financing for properties within ARB branches locality. Max MOF: 75% Foreigners purchasing property under MM2H. Max MOF: 75% Profit Rate: BFR – 1.70% Fixed profit rate also available

48. How to submit applications? All finance applications together with AFF registration form need to be submitted to any of our branches or Direct Sales Executive. You will get the AFF referral incentive when your friends and family make PROMPT monthly payment. Sales figure will be reported under branches or the respective Direct Sales Executive.

49. Who are Al Rajhi targeting to be members of its AFF – Personal Finance? For Personal Finance, Al Rajhi targets: Government servants through ANGKASA salary deduction Mass market customers with salary above RM1500 with no adverse records in CCRIS & CTOS. Arrangement under Al Rajhi Corporate Community Select can also be made.

51. All federal staff with Federal AG payroll All approved state department with State AG payroll Selected statutory bodies and privatized government departments Approved government servants categories…

52. How does Al Rajhi share the profit and reward AFF members? MonthBeginning AmountInstalmentProfitPrincipalEnd Amount 1RM10,000RM238RM139RM98RM9,902 2 RM238RM137RM100RM9,801 3 RM238RM135RM103RM9,699 ** 40RM4,451RM238RM49RM189RM4,262 41RM4,262RM238RM46RM191RM4,071 ** 58RM699RM238RM7RM231RM468 59RM468RM238RM5RM233RM235 60RM235RM238RM2RM235RM0

53. How does Al Rajhi share the profit and reward AFF members? Example for Personal Finance: Finance amount: RM10,000 Profit Rate: 8.50% Tenure: 5 years Monthly Installment Amount: RM238

54. How does Al Rajhi share the profit and reward AFF members? Example for Personal Finance: Principal 1 st Month: RM98.66 Profit 1 st Month: RM139.34 Cost of Fund to be deducted from 1 st Month Profit = (4.40% X RM10,000 / 12) = RM36.67 Profit to be shared = (RM139.34 – RM36.67) X 12.50% = RM12.59

55. How will the members be rewarded? Members are rewarded based on their position within the hierarchy network. You may refer any number of members under your network and your referred members may do the same. Any member can refer unlimited number of members directly under him/her. Profit can only be shared within 4 levels under each member.

56. How does Al Rajhi share the profit and reward AFF members? Example for Personal Finance: Profit to be shared = (RM139.34 – RM36.67) X 12.50% = RM12.59 As there are 4 levels to be shared, the amount each member gets at each level from the PROMPT installment will be: RM12.59 / 4 levels = RM3.15

57. Some numbers for Personal Finance… Finance AmountRM10,000 Desired IncomeNo of membersEach to introduce RM4,89515546 RM8,82028007 RM14,74246808 RM23,24773809 RM34,9971111010 RM50,7281610411 RM71,2532262012

58. Finance AmountRM20,000 Desired IncomeNo of membersEach to introduce RM9,79015546 RM17,64028007 RM29,48446808 RM46,49473809 RM69,9931111010 RM101,4451610411 RM142,5062262012 Some numbers for Personal Finance…

59. In Brief…. Finance AmountRM30,000 Desired IncomeNo of membersEach to introduce RM14,68515546 RM26,46028007 RM44,22646808 RM69,74173809 RM104,9901111010 RM152,1821610411 RM213,7592262012

60. Thank You…...and remember to include these details in your AFF Membership Form : Referral Name : KEE MOHD THARIQ BIN K ZAINAL ABIDIN Referral Membership/CIC No. : 113977