ELIGIBILITY 1. Malaysians aged between 18 and 58 years old 2. Gross household income of between RM500 and RM3,000 3.

Applicants must not be declared bankrupt throughout the loan funding period 4. Any other terms set by the banks 5. Applicants and / or spouse must not be a participant or beneficiary of any ASNB-related Government programme: o Program Pembangunan Rakyat Termiskin; o ASB Sejahtera; and o ASW2020-Bandar 6. Applicants and / or spouse do not have any investments in ASNB unit trust products OR applicants and/or spouse(s) (household) have a combined aggregate investment of less than RM10,000 in all ASNB products 7. All-clear status for ASNB unit trust account 8. Application is subject to the distribution of Amanah Saham 1Malaysia (AS 1Malaysia)I as stipulated and availability: o Bumiputera - 50%; o Chinese - 30%; o Indian - 15%; and o Others - 5% 9. Only one member of the household is eligible to obtain the loan funding 10. Application is approved for a loan at one bank DEFINITION OF HOUSEHOLD Eligible household refers to individuals with gross household monthly income of between RM500 and RM3,000 including the following categories:

Married - a combination of gross income of the husband and wife; and Single mothers or fathers - individual gross income.