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NEW RCE-YAYASANPRODUCT LAUNCH

28 October 2011

MRCE Marketing Sdn Bhd

Private & Confidential

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Take a GUESS????

.99%

.99%5

4

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New Product FeaturesNo Features RCE-Yayasan

NEW(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 years

4 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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Deduction

No Descriptions New Product Existing Product

Y3 Y4 Y1

1 Stamp Duty-Original-Customer copy

RM 5 per RM 1,000 FARM 10

RM 5 per RM 1,000 FARM 10

2 AdvanceInstalment 2 months 2 months Nil

3 SubscriptionFee

RM 20 RM 20 RM 20

4 MonthlyMember Fee

RM 20 RM 20 RM 20

5 BPA Charges 2% 2% 2%

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Existing Product Features

No Features

1 Product code Y1 Y2

2 Profit/Interest rate 7.88% 7.88%

3 Min. Financingamount

RM1,000 RM1,000

4 Max. Financingamount

RM250,000 RM150,000

5 Tenure 5-20 years 1-10 years

6 Payout 92% 87%

7 Stamp dutyOriginal

- Copy

RM5 per RM1,000FARM10

RM5 per RM1,000FARM10

8 Subscription fee RM20 RM209 Monthl member RM20 RM20

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MPayout 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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MMPayout 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 Criteria

Status Sector ServicePeriod

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 Criteria

Status Sector ServicePeriod

Tenure

MaxLoan

Permanent

A = AG 6 mths < x