CUSTOMER CONFIRMATION DOCUMENT (CCD)

Dear Valued Customer

Thank you for applying for RHB Bank Personal Financing (“Facility”). To ensure clarity regarding the offer of RHB Bank
Berhad (“Bank”), please go through the confirmation given below and contact the sales agent of your application (“Sales
Agent”) or contact RHB Customer Contact Centre at +603-9206 8118 or email at customer.service@rhbgroup.com.
You may visit any RHB branch if you require further explanation on the features and benefits of the product. Please
sign your acceptance below if no further explanation is required.

Declaration

• I fully understand the product features and benefits as explained by the Sales Agent when applying for this Facility.
• I fully understand the details of Product Disclosure Sheet (PDS) as explained by the Sales Agent when applying for
this Facility
• I further confirm that no money has been collected from me by the Sales Agent in processing my application.
• I understand that the faxed copy of this form which is signed by me will be taken as the original application and I
must produce the original copy of this form to the Bank upon its request as stated in the terms and conditions which
have been made available to me.
• I fully understand that, having evaluated my financial condition, income statements and other financial documents
furnished to the Bank, the Bank may reject my application and that I may request for the decline letter from the
Bank.
• I expressly authorize the Bank to examine my credit standing upon the receipt of my application.

PRODUCT DETAILS

Amount Requested RM Financing amount requested.

Tenure in months 12 24 36 48 60 72 84
(please ✓)

Tier and Interest The interest is calculated based on

(please ✓) TIER 1 - Effective rate: ____________
Prog Code For Facility amount of RM2,000 - RM15,000
TIER 2 - Effective rate: ____________
For Facility amount of RM16,000 - RM50,000
TIER 3 - Effective rate: ____________
For Facility amount of RM51,000 - RM99,000
TIER 4 - Effective rate: _____________
variable rate on daily rest basis. You are
required to pay the interest plus the
Facility amount. The effective rate
payable will fluctuate depending on the
Bank’s Standardised Base Rate and will
be calculated from the date of the
approval of the Facility.
Applicants under the RHB Joy@Work
(RHB J@W) Organizations Salary
Deduction Scheme will earn % rebate
from the interest rate stated in this
document.
Note*: The Bank’s current Standardised
Base Rate is 2.50% per annum (p.a.)

For Facility amount of RM100,000 - RM150,000

Total Deductions
1. Stamp Duty: RM __________
2. Insurance Premium: RM __________
3. *1-month instalment: RM __________
(Applicable for RHB J@W organizations
customer only)
4. Others (Please state if any): __________
RM __________
These fees will be deducted from the
Facility (as approved by the Bank in the
Approval Letter) before disbursement.
*For Applicants under the RHB J@W
Organization Salary Deduction Scheme,
an upfront deduction of one (1) month
instalment will be used to fulfill the first
monthly instalment under the Facility.
Payment of monthly instalments under
the Facility via salary deduction will
commence on the 2nd month thereafter
on the salary crediting day.

Early Settlement An Early Exit Penalty of Ringgit Malaysia One
Hundred (RM100.00) or one percent (1%) of
the principal amount of the Facility (as
approved by the Bank in the Approval Letter),
whichever is the higher is payable by Applicant
if pre-payment in full is made during the Lock-
in-Period**.
An Early Exit Penalty is payable by
Applicant if pre-payment in full is made in
respect of the indebtedness before the
expiry of the Lock-in-Period.
**Lock-in-Period is the six (6) month-
period commencing from the date the
Approval Letter is issued.

Late Payment fee Applicant will pay a late payment charge on the amount of the monthly amount due in
arrears at the rate of one per cent (1%) per annum* until such arrears are paid in full.

*or any prevailing rate fixed by Bank Negara Malaysia at the relevant point of time.

Important Notes:

• Approved amount of the Facility: The Bank will assign the approved Facility amount in accordance with the Bank’s
policies after having evaluated the financial condition, income statements and other financial documents furnished
by the Applicant. If the approved amount is lower than the amount applied for, the Bank will inform the Applicant of
the reduced Facility amount to obtain the Applicant’s acceptance before the Facility is disbursed. The Applicant is
deemed to have accepted the reduced Facility amount upon the Bank’s issuance of the approval SMS and/or the
approval letter, whichever is earlier, to the Applicant and the Bank will disburse the Facility according to the terms
and conditions of the Facility.
• New applications of Personal Financing will be processed within one (1) week from the date of receipt of the
complete application and all relevant documents.
• Unless where the approved Facility amount is lower than the Facility amount applied for and the reduced Facility
amount is not accepted by the Applicant as mentioned above, no cancellation of the Facility will be allowed once
the Personal Financing application is approved. The Bank is not responsible for any interest charges or damages
suffered by the Applicant due to the delay of the Facility, except where the delay is caused by the act, omission,
default, negligence and/or misconduct on the part of the Bank and/or any of its employees, representatives and
agents.

Applicant’s Name IC No. Telephone No. Signature

FOR BANK USE ONLY

Sales Representative’s
Name : _______________ Signature : _______________ Date : ______________
Region : _______________ Branch : _______________ Channel : ______________
Staff ID : _______________ Telephone : _______________
No. No.