Letter Type:

Language:
Editable:
Status:
Document Sub Type:
Product Type:
Standard Clause:
Sequence:

Clause Details
Name:
Clause:

Condition:
Letter Offer
English
Yes
Active
Effective Profit Rate LO Islamic
All
Yes
1

Promo Code is not 2FD, 3FD and E00 and IsPhaseCode01 is False
<i>The profit rate for the first year shall commence from the date of first release or from the
expiry of three (3) months from the date of this Letter, whichever is earlier
("Commencement Date").</i>

(((String)$OrgCode_Islamic).equals((String) $AppDtlOrgCode))
&& (!$CurrFacPromoCodeCheck2FD3FD)
&& !("E00".equals((String)$CurrFacPromoCode))
&& (!$IsPhaseCode01)
Letter Type:
Language:
Editable:
Status:
Document Sub Type:
Product Type:
Standard Clause:
Sequence:

Clause Details
Name:
Clause:

Condition:
Letter Offer
English
Yes
Active
Effective Profit Rate LO Islamic
All
Yes
5

PromoCode is 01407A0 and IsPhaseCode01 is false

<u>Only applicable for Discounted Rate with cross-sell</u>
The Prescribe Rate stated herein has been discounted by 0.05% (“Discounted Rate”) and is
subject to the Special Condition of the Facilities as follows:-

(i) The Discounted Rate is offered to you provided that you had applied for a minimum of
one (1) of the products listed in the Bank’s Cross-Sell/Up-Sell Declaration Form completed
by you (“Cross-Sell Condition”);
(ii) The Bank reserves the right to withdraw the Discounted Rate in the event that you fail to
provide the Bank with satisfactory evidence that you have met the Cross-Sell Condition
and/or the Bank determines that you have failed to fulfill the Cross-Sell Condition, upon
which the Prescribed Rate applicable to the Facilities shall be the rate stated in this Letter
together with an additional 0.05% thereon.

(((String)$OrgCode_Islamic).equals((String) $AppDtlOrgCode))
&& ("01407A0".equals((String)$CurrFacPromoCode))
&& (!$IsPhaseCode01)
Letter Type:
Language:
Editable:
Status:
Document Sub Type:
Product Type:
Standard Clause:
Sequence:

Clause Details
Name:
Clause:

Condition:
Letter Offer
English
Yes
Active
Additional Condition (Conventional)
All
Yes
6

Conventional - Additional Condition 5

<u><b>Variation of Interest Rates</b></u>
The Bank is entitled at its absolute discretion from time to time and without any
requirement for agreement by you:-

i) to substitute and/or change the entire basis of calculating the Prescribed Rate; and/or
ii) to vary, change and/or substitute the **Reference Rate; and/or
iii) to vary such margin imposed above or below the Reference Rate; and/or
(((String)$OrgCode_Conventional).equals((String)
iv) $AppDtlOrgCode))
to vary any commission, discount or other banking charges.

The Bank may exercise a combination of any one or more of the above and may, at its
absolute discretion, vary the amount of the monthly instalment or the number of the
monthly instalments due to variation of the Prescribed Rate, margin or the default rates of
interest or for any reason.

**Note : “Reference Rate” means the reference rate per annum from time to time
stipulated by the Bank as its lending rate for credit/financing facilities, including but not
limited to Base Lending Rate (“BLR”), Base Rate (“BR”), Effective Cost of Funds (“ ECOF”),
Fixed Deposit Rate (“FDR”) or Kuala Lumpur Interbank Offered Rate (“ KLIBOR”) as the case
may be or such other rate by whatsoever name called as quoted by the Bank wherever
applicable from time to time. The ECOF is defined as the cost to the Bank of funding the
Facilities from whatever source it may select at its absolute discretion plus the cost of
maintaining its statutory reserves, liquidity requirements, administrative and credit costs
and other related costs of the Bank as stipulated by the Bank from time to time.
Letter Type:
Language:
Editable:
Status:
Document Sub Type:
Product Type:
Standard Clause:
Sequence:

Clause Details
Name:
Clause:

Condition:
Letter Offer
English
Yes
Active
Effective Profit Rate LO Islamic
All
Yes
5

PromoCode is KD0 and IsPhaseCode01 is False

<u>Only applicable for Discounted Rate with cross-sell</u>
The Prescribe Rate stated herein has been discounted by 0.05% (“Discounted Rate”) and is
subject to the Special Condition of the Facilities as follows:-
(i) The Discounted Rate is offered to you provided that you had applied for a minimum of
one (1) of the products listed in the Bank’s Cross-Sell/Up-Sell Declaration Form completed
by you (“Cross-Sell Condition”);
(ii) The Bank reserves the right to withdraw the Discounted Rate in the event that you fail to
provide the Bank with satisfactory evidence that you have met the Cross-Sell Condition
and/or the Bank determines that you have failed to fulfill the Cross-Sell Condition, upon
which the Prescribed Rate applicable to the Facilities shall be the rate stated in this Letter
together with an additional 0.05% thereon.

(((String)$OrgCode_Islamic).equals((String) $AppDtlOrgCode))
&& ("KD0".equals((String)$CurrFacPromoCode))
&& (!$IsPhaseCode01)
Letter Type:
Language:
Editable:
Status:
Document Sub Type:
Product Type:
Standard Clause:
Sequence:

Clause Details
Name:
Clause:

Condition:
Letter Offer
English
Yes
Active
Condition to be Fulfilled before release (Islamic)
All
Yes
36

Islamic - MRTT financed by Bank

(i) Where the MRTT is financed by the Bank, the Bank shall only release the takaful
contribution either with the first financing release towards financing of the Property(ies) or
at any time thereafter at the Bank's discretion subject to the following:

a) the Bank having received the letter of acceptance/letter of offer issued by an takaful
operator which is acceptable to the Bank;
b) the Bank has not received any notification from the takaful operator of your rejection
and/or appeal of the letter of offer;
c) you/takaful participant have/has not deceased prior to the first release of the financing;
and
d) in the event the letter of acceptance/letter of offer issued by the takaful operator expires
on or before the first financing release, you will submit a fresh proposal form for evaluation
and a fresh letter of acceptance/letter of offer shall be procured by you.

The coverage of the MRTT shall be effective upon receipt of the full takaful contribution
(including any loading or excess to the original takaful contribution quoted) by the takaful
operator.

If the takaful operator requires a loading or excess or if the final takaful contribution
exceeds the amount stated in this Letter of Offer ("differential amount") to be paid, you will
bear the cost of such loading, excess or differential amount. The Bank shall be entitled at its
discretion but shall not be obligated at any time to debit your account for such amounts as
may be necessary to procure the MRTT. In the event the final takaful contribution quoted in
the letter of acceptance/letter of offer by the takaful operator is lower than the MRTT
Financed Amount stated in this Letter of Offer, the whole MRTT Financed Amount shall
nevertheless be disbursed. However any excess amount financed and not applied towards
the takaful contribution shall be credited to your term financing account.

(ii) In the event the financing is ready for release upon fulfillment of all conditions precedent
stipulated herein, the Bank reserves the absolute discretion to release the financing
regardless of whether your MRTT application has been approved by the takaful operator.

If your MRTT application has not been approved by the takaful operator within three (3)
months from the date of the first release of the financing, the Bank shall at its discretion
cancel the unutilized portion of the financing for the MRTT takaful contribution.
(((String)$OrgCode_Islamic).equals((String) $AppDtlOrgCode)) && ((Boolean)
$IsMainProdInsFinancedByBank)
Letter Type:
Language:
Editable:
Status:
Document Sub Type:
Product Type:
Standard Clause:
Sequence:

Clause Details
Name:
Clause:
Condition:
Letter Offer
English
Yes
Active
Condition to be Fulfilled before release (Conventional)
All
Yes
12

Conventional - Static clause 1

Statutory Declaration that the property is for the owner's occupancy (if applicable).
(((String)$OrgCode_Conventional).equals((String) $AppDtlOrgCode)) && (!(Boolean)$IsTopUpLoan)
Letter Type:
Language:
Editable:
Status:
Document Sub Type:
Product Type:
Standard Clause:
Sequence:

Clause Details
Name:
Clause:

Condition:
Letter Offer
English
Yes
Active
Condition to be Fulfilled before release (Conventional)
All
Yes
38

Conventional - MRTA financed by Bank clause 1

i) Where the MDTA/MRTT is financed by the Bank, the Bank shall only release the premium/takaful contribution
either with the first loan release towards financing of the Property(ies) or at any time thereafter at the Bank's
absolute discretion subject to the following:
(a) the Bank having received the letter of acceptance/letter of offer issued by an insrance/takaful company which is
acceptable to the Bank;
(b) the Bank has not received any notification from the insurance/takaful company of your rejection and/or appeal
of the letter of offer;
(c) you/insured have/has not deceased prior to the first release of the loan; and
(d) in the event the letter of acceptance/letter of offer issued by the insurance/takaful company expires on or
before the first loan release, you will submit a fresh proposal form for evaluation and a fresh letter of
acceptance/letter of offer shall be procured by you.

The coverage of the MDTA/MRTT shall be effective upon receipt of the full premium/takaful contribution (including
any loading or excess to the original premium/takaful contribution quoted) by the insurance/takaful company.

If the insurance/takaful company requires a loading or excess or if the final premium/takaful contribution exceeds
the amount stated in this Letter of Offer ("differential amount") to be paid, you will bear the cost of such loading,
excess or differential amount. The Bank shall be entitled at its absolute discretion but shall not be obligated at any
time to debit your account for such amounts as may be necessary to procure the MDTA/MRTT. In the event the
final premium/takaful contribution quoted in the letter of acceptance/letter of offer by the insurance/takaful
company is lower than the MDTA/MRTT Financed Amount stated in this Letter of Offer, the whole MDTA/MRTT
Financed Amount shall nevertheless be disbursed. However any excess amount financed and not applied towards
the premium/takaful contribution shall be credited to your term loan account.

ii) In the event the loan is ready for release upon fulfillment of all conditions precedent stipulated herein, the Bank
reserves the absolute discretion to release the loan regardless of whether your MDTA/MRTT application has been
approved by HLA/HLMT.

If your MDTA/MRTT application has not been approved by HLA/HLMT within 3 months from the date of the first
release of the loan, the Bank shall at its absolute discretion cancel the unutilized portion of the loan for the
MDTA/MRTT premium/takaful contribution.

In addition to the above, please refer to clause 17 of the Main Terms and Conditions for other details.

(((String)$OrgCode_Conventional).equals((String) $AppDtlOrgCode)) && (((Boolean)

$IsMainProdInsFinancedByBank)||((Boolean)$IsMainProdInsSelfFinanced))
Letter Type:
Language:
Editable:
Status:
Document Sub Type:
Product Type:
Standard Clause:
Sequence:

Clause Details
Name:
Clause:

Condition:
Letter Offer
English
Yes
Active
Additional Condition (Conventional)
All
Yes
6

Conventional - Additional Condition 5

<u><b>Variation of Interest Rates</b></u>
The Bank is entitled at its absolute discretion from time to time and without any requirement for agreement by
you:-
i) to substitute and/or change the entire basis of calculating the Prescribed Rate; and/or
ii) to vary, change and/or substitute the **Reference Rate; and/or
iii) to vary such margin imposed above or below the Reference Rate; and/or
iv) to vary any commission, discount or other banking charges.

The Bank may exercise a combination of any one or more of the above and may, at its absolute discretion, vary the
amount of the monthly instalment or the number of the monthly instalments due to variation of the Prescribed
Rate, margin or the default rates of interest or for any reason.

**Note : “Reference Rate” means the reference rate per annum from time to time stipulated by the Bank as its
lending rate for credit/financing facilities, including but not limited to Base Lending Rate (“BLR”), Base Rate (“BR”),
Effective Cost of Funds (“ ECOF”), Fixed Deposit Rate (“FDR”) or Kuala Lumpur Interbank Offered Rate (“ KLIBOR”)
as the case may be or such other rate by whatsoever name called as quoted by the Bank wherever applicable from
time to time. The ECOF is defined as the cost to the Bank of funding the Facilities from whatever source it may
select at its absolute discretion plus the cost of maintaining its statutory reserves, liquidity requirements,
administrative and credit costs and other related costs of the Bank as stipulated by the Bank from time to time.

(((String)$OrgCode_Conventional).equals((String) $AppDtlOrgCode))
Letter Type:
Language:
Editable:
Status:
Document Sub Type:
Product Type:
Standard Clause:
Sequence:

Clause Details
Name:
Clause:

Condition:
Letter Offer
English
Yes
Active
Additional Condition (Conventional)
All
Yes
6

Conventional - Additional Condition 6

<u><b>Minimum Prescribed Rate</b></u>
The minimum Prescribed Rate applicable to the Facilities shall not be less than 4.1% per annum calculated on daily
rest or such other minimum rate as may be prescribed by the Bank from time to time.

(((String)$OrgCode_Conventional).equals((String) $AppDtlOrgCode))
Letter Type:
Language:
Editable:
Status:
Document Sub Type:
Product Type:
Standard Clause:
Sequence:

Clause Details
Name:
Clause:

Condition:
Letter Offer
English
Yes
Active
Effective Profit Rate LO Islamic
All
Yes
2

Promo Code is not 2FD, 3FD and IsPhaseCode01 is True

<i>The fixed rate (0%) shall expire in one year from the first drawdown or date of delivery of
vacant possession, whichever is earlier.</i>
(((String)$OrgCode_Islamic).equals((String) $AppDtlOrgCode))
&& (!$CurrFacPromoCodeCheck2FD3FD)

&& ($IsPhaseCode01)
Letter Type:
Language:
Editable:
Status:
Document Sub Type:
Product Type:
Standard Clause:
Sequence:

Clause Details
Name:
Clause:

Condition:
Letter Offer
English
Yes
Active
Effective Profit Rate LO Islamic
All
Yes
3

PromoCode is E00 & IsPhaseCode01 is False

<i>The fixed rate (0%) shall expire in one year from the first drawdown or date of delivery of
vacant possession, whichever is earlier.</i>
(((String)$OrgCode_Islamic).equals((String) $AppDtlOrgCode))
&& ("E00".equals((String)$CurrFacPromoCode))

&& (!$IsPhaseCode01)