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NEW RCENEW RCE--YAYASANYAYASANPRODUCT LAUNCHPRODUCT LAUNCH

28 November 2011

MRCE Marketing Sdn Bhd

Private & Confidential

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Take a GUESS????

INTEREST RATE???

.99%

.99%5

4

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New Product FeaturesNew Product Features

No Features RCE-YayasanNEW

(1 Nov 2011 31 Mar 2012)

Existing

1 Product Y3 Y4 Y1

2 Interest rate 4.99% 5.99% 7.88%

3 Tenure 1 yr -22 yrs 1 yr -22 yrs 5 - 20 years4 Refinancing * Allowed Allowed Nil

5 Payout 100% 100% 100%

6 Net Payout 92% 92% 92%

7 Min Financing Amount RM 1,000 RM 1,000 RM 1,000

8 Max Financing Amount RM 250,000 RM 250,000 RM 250,000

* Refinancing Account Year 2008 and before

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DeductionDeduction

No Descriptions New Product Existing Product

Y3 Y4 Y1

1 Stamp Duty

-Original

-Customer copy

RM 5 per RM 1,000 FA

RM 10

RM 5 per RM 1,000 FA

RM 10

2 AdvanceInstalment

2 months 2 months Nil

3 Subscription

Fee

RM 20 RM 20 RM 20

4 Monthly

Member Fee

RM 20 RM 20 RM 20

5 BPA Charges 2% 2% 2%

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Existing Product FeaturesExisting Product Features

No Features

1 Product code Y1 Y2

2 Profit/Interest rate 7.88% 7.88%

3 Min. Financing amount RM1,000 RM1,000

4 Max. Financing amount RM250,000 RM150,000

5 Tenure 5-20 years 1-10 years

6 Payout 92% 87%

7 Stamp duty Original

- Copy

RM5 per RM1,000 FA

RM10

RM5 per RM1,000 FA

RM10

8 Subscription fee RM20 RM20

9 Monthly member fee RM20 RM20

10 Advance Instalment Nil 0-3 months

11 BPA/collection charge 2% on Inst 2% on Inst

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Payout IllustrationPayout Illustration

Product Y1 = Existing

Loan amt RM10,000

Tenure 240 mths

Interest Rate 7.88%Interest Amt RM15,760.00

Gross Amt RM 25,760.00

Stamp Duty RM 60.00

Mthly inst RM 129.48

-Loan payment RM107.33

-BPA charge RM 2.15

-Member fee RM 20.00

Product Y3 = New

Loan amt RM10,000

Tenure 240 mths

Interest Rate 4.99%Interest Amt RM 9,980.00

Gross Amt RM 19,980.00

Stamp Duty RM 60.00

Mthly inst RM 104.92

-Loan payment RM 83.25

-BPA charge RM 1.67

-Member fee RM 20.00

Lower monthly instalment

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Payout IllustrationPayout Illustration

Product Y1 = Existing

Installment RM 224

Tenure 240 mths

Interest Rate 7.88%

Loan amt RM18,633

Product Y3 =New

Installment RM 224

Tenure 264 mths

Interest Rate 4.99%

Loan amt RM25,169

Deductions

Gross P/Out RM18,633

Stamp Duty (RM 95)3rd Party Deduct (RM 1,491)

Sub. Member (RM 20)

Net P/Out (91%) RM 17,027

Deductions

Gross P/Out RM25,169

Stamp Duty (RM 130)3rd Party Deduct (RM 2,014)

Sub. Member (RM 20)

Advance Inst. (RM448)

Net P/Out (90%) RM 22,557

Extra cash in hand ofRM5,530

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New Credit CriteriaNew Credit Criteria

Status Sector Service

Period

Max

Loan

Permanent

A = AG 3 years RM 250K

B = State / C* 5 years RM 250K

C / D (Hosp / GLC) 5 years RM 150K

E of ALL / UNI 5 years RM 60K

Product :Y3 4.99% , Tenure : 22 years

REMARKS:

Min Age : 20 years old Min Income : RM 1,200

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

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New Credit CriteriaNew Credit Criteria

Status Sector Service

Period

Tenu

re

Max

Loan

Perman

ent

A = AG 6 mths < x < 3years 22years RM150K

B / C / D 6 mths < x < 5

years

15

years

RM

100K

E of ALL /UNI

6 mths < x < 5years

15years

RM60K

Product :Y4 5.99% , Tenure : 22 years

REMARKS:

Min Age : 18 years old

Min Income : RM 700

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

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New Credit CriteriaNew Credit Criteria

Status Sector Service Period Tenure Max

Loan

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

6 mths < x < 1 year Withincontract

15X /RM15K

1 year / Auto Renew 3 7 years 15X /RM 30K

7 years 10 years 15X /RM 60K

Permanent G = NGS 1 year 5 years 15X /RM15K

3 years 7 years 15X /RM 30K

Product :Y2 7.88%

REMARKS:

Min Age : 18 years old

Min Income : RM 700

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

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Loan DocumentationLoan 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

5.Latest phone/utility bill

6. Option Letter

Documents to be signed byCustomer at RCEM

1. Schedule J

2. Side letter

3. Authorize pay 3rd

party &indemnity letter

4. Loan agreement

5. Letter of declaration

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