Al – Wadi’ah Premier Savings+

Protection Account

Premier Bank Introduction on Islamic Banking and

Insurance Savings Account by other banks Video Our New Product: Al-Wadiah Premier

Savings and Protection Account FAQ

Established in Singapore since 1960

Considered one of the Top 5 banks in ASEAN

22 Branches and 32 ATMs

Equipped with latest technology and network

To be the number 1 bank in the Asia-Pacific region

Committed to providing Quality Products

Excellent Customer Service

Simply the Best!

Adopt a relationship-based approach to banking that seeks to develop long-term and mutually beneficial relationships with customers.

Protect the interest of our customers. Ensure that customers are equipped with

sufficient knowledge about our products Continuously seek ways to improve our

customer centricity

Deposits   Personal iSavy Savings Account-iSavings Account-iPremierOne Account-iAl-Wadiah Premier Savings

and Protection Account-i(new)

BusinessCurrent Account-i

Investments Structured Deposit Alpha Structured DepositPrestige Structured DepositPremier Structured Deposit

Unit TrustsDWS Noor Global Equity Select FundDWS Noor Precious Metals Securities FundDWS Noor China Equity FundDWS Noor Japan Equity FundDWS Noor Asia Pacific Equity FundEhical Growth Fund Ethical Value Fund

KUALA LUMPUR, MALAYSIA - ISLAMIC banking has largely escaped the fallout from the global financial crisis

The outlook for Islamic financing is bright Transactions must be backed by real assets Global Islamic banking pie is valued at about

US$1 trillion (S$1.5 trillion) In light of the financial crisis, many investors

are opting for less risky alternatives

Current insurance provided by insurance agents are not in line with teachings of Islam

1) Insurance contracts has usury/riba’ as they promise to pay more than the premium paid

2) Insurance companies invest the premiums which they have collected in interest-bearing investments

3) Considered as gambling as policy holder loses the insurance premium to insurance company if insured event does not take place

Mutual provision of guarantees

Parties to the contract support each other when any of them suffer losses

Allow policy holders who wish to comply with the teachings of Islam to enjoy the same level of cover provided by conventional insurance

Help the unfortunate in time of needs

OCBCAl-Wadi'ah Savings Account

Maybank Savings A/c

Maybank PremierOne Account-i

Dividend Payout Half- Yearly dividend Payout

At Bank’s Discretion At Bank’s discretion

Benefits ATM card Phone Banking Internet Banking Monthly Statement Zakat Auto Deduction ServiceFree Giro Service24-Hour account access

MayBank Visa Money TransferInterbank GIROMobile BankingPhone Banking24-Hour account access

Monthly StatementNo account feesFree 1 chequebook Phone bankingMobile Banking Internet Banking24-Hour account access

Eligibility Min. Age of 15Min. deposit of $1000

Min. Age of 15Min initial deposit of $10Avg daily bal. Req. is $200.

Min. Age of 21Min. Deposit of $1000

Service Fee S$2 per month if monthly avg. Bal. falls below S$1,000

- $8.50 levied if monthly avg. Bal. falls below S$3,000,

Indicative Div. Rate

0.125% - 0.4%p.a. 0.25% - 0.3750% 0.25% - 0.3750%

Combines the features of savings and insurance

"Hibah" or "token" in the form of dividends is distributed quarterly

Minimum balance required: 500 SGD Insurance premium of SGD 50

automatically deducted from account monthly.

The figures are for illustration purposes only. Insurance eligibility and premiums are subject to underwriting.

* Subject to terms and conitions

Age Coverage Benefits Annual premium amount

Monthly premium amount

30 year old, male

Terminal illness, permanent disability, accidents and loss of property*

Sum assured of S$200,000 up till age 70

S$570.00 S$50

35 year old, female

Sum assured of S$500,000 up till ge 70

S$700.00 S$60

Provides convenience for consumers Easy cash withdrawals via your ATM

Card 24-Hour account access Easy transaction monitoring Interbank GIRO Insured up to 200,000 for accidents and

loss of property Hibah or dividend is distributed quarterly

To be at least 21 years of age This account is also open to non-profit

organisations The account can also be opened in your

child's name as a trust account with you as the sole account operator

Must be Singapore Citizens or Singapore Permanent Residents

Minimum Deposit of SGD500

First S$500: 0.300% p.a. Next S$10,000: 0.4750% p.a. Remaining balance above S$10,500:

0.6000% p.a.

***Effective as at 4 July 2009

Premier BankAl-Wadiah Premier Savings +Protection Account

Dividend Payout Quarterly dividend payout

Benefits ATM CardInterbank GIROMobile BankingPhone Banking24-Hour account access No account feesInsurance coverage of up to SGD200,000

Eligibility Min. Age of 21Min. Deposit of $500

Service Fee S$2 per month if monthly avg. Bal. falls below S$500

Indicative Div. Rate

0.30-0.60%

Lucky draw1st Prize: Pair of air tickets to and fro to

Japan.

2nd Prize: Pair of 3 days 2 nights trip to

Phuket

3rd Prize: $500 NTUC voucher.

*50 consolation prizes of $100 NTUC vouchers.

RoadshowsConducted at 4 locations for a period of 3 days

1. North: Woodlands2. South: Tiong bahru3. East: Hougang4. West: Choa Chu Kang

Talks and activities will be conducted.

Free Goody bags

Bring the whole family!

1. Is Islamic Banking only for Muslims? No. Islamic Banking is for anyone who may wish to use interest-free

banking. We welcome all customers regardless of their religious background.

2. If my Islamic Account is interest-free, how does it work?Your money is kept in accordance with the Syariah guidelines. This means that we don't use the money you keep with us for activities that is contrary to the Syariah guidelines.

3. Who has decided that the Islamic Account is Syariah compliant?We work with a committee of distinguished scholars who have a lot of experience in Islamic finance and the Syariah law. They guide us in our creation of Islamic Banking products which are right for you.

4. I am already a Premier bank customer. Can I change my existing account to the Islamic Account?  

Yes. You just need to visit any Branch, and we will effect the necessary

changes.

5. How do I go apply for an Al-Wadiah Premier Savings and Protection Account?   Simply visit any of our 22 Branches. Applicant(s) only need to bring their NRIC and place an initial deposit in cash

6. Can I open an Al-Wadiah Premier Savings and Protection Account with a joint account holder?   Yes, you can open an account with another applicant. The joint account will be opened based on either party to sign basis.

For those interested to know more about the product and how it can benefit you and your loved ones……

Central PremierBank TowerPremierBank @ BalestierPremierBank @ ChinatownPremierBank @ RobinsonRdPremierBank @ NorthBridgePremierBank @ QueenswayPremierBank @ TextileCentre

East PremierBank @ BedokPremierBank @ GeylangSeraiPremierBank @ KovamPremierBank @ MarineParadePremierBank @ SiglapPremierBank @ Tampines

North PremierBank @ AMKPremierBank @ HDBHubPremierBank @ Woodlands888PremierBank @ Yishun

West PremierBank @ BtTimahPremierBank @ ChoaChuKagngPremierBank @ HollandVPremierBank @ Jurong EastPremierBank @ Jurong Point

Address: 2 Battery Road Premierbank Tower

Singapore 049907

Phone:- Local: 1800-PREMIER (1800-773-6437)- Overseas:(65) 6533 5229

Website: www.premierbank.com.sg