2. A little bit about myself… Zulhisham Bin Zailan a.k.a. JOEY Head of Product & Distribution – Retail Finance

5. What’s yours? We all have dreams…….

6. How far exactly is our dream from where we are right now? We all have our own dreams…….

8. Active vs Passive Income Which one do you prefer?

9. If you say PASSIVE, welcome to the world of endless opportunities… For the rest welcome to our preview session CONGRATULATIONS!

15. Introducing…..

19. How does Al Rajhi share the profit and reward AFF members? Month Beginning Amount Instalment Profit Principal End Amount 1 RM250,000 RM1,984 RM1,052 RM931 RM249,069 2 RM249,069 RM1,984 RM1,048 RM935 RM248,133 3 RM248,133 RM1,984 RM1,044 RM939 RM247,194 4 RM247,194 RM1,984 RM1,040 RM943 RM246,251 ** ** ** ** ** ** ** ** ** ** ** ** 74 RM170,599 RM1,984 RM718 RM1,266 RM169,334 75 RM169,334 RM1,984 RM713 RM1,271 RM168,063 76 RM168,063 RM1,984 RM707 RM1,276 RM166,787 ** ** ** ** ** ** ** ** ** ** ** ** 178 RM5,901 RM1,984 RM25 RM1,959 RM3,942 179 RM3,942 RM1,984 RM17 RM1,967 RM1,975 180 RM1,975 RM1,984 RM8 RM1,975 RM0

29. Types of membership within AFF? Category of Membership Classification Criteria Payment % of Accumulated Incentive Premium Refer and maintain 14 or less financing customers to the bank within his/her four levels of network. 50% Spectrum Refer and maintain at least 15 financing customers to the Bank within his/her four levels of network. Out of 15 financing customers in the network, 4 of them have to be in Level 1 of the network. 75% Titan Refer and maintain at least 35 financing customers to the Bank within his/her four levels of network. Out of 35 financing customers in the network, 4 of them have to be Spectrum member. 100%

35. In Brief…. Finance Amount RM250,000 Desired Income No of members Each to introduce RM6,636 1554 6 RM11,958 2800 7 RM19,987 4680 8 RM31,518 7380 9 RM47,448 11110 10 RM68,777 16104 11 RM96,606 22620 12

36. In Brief…. Finance Amount RM400,000 Desired Income No of members Each to introduce RM10,619 1554 6 RM19,133 2800 7 RM31,980 4680 8 RM50,430 7380 9 RM75,918 11110 10 RM110,044 16104 11 RM154,570 22620 12

37. Will I be able to enjoy the shared profit immediately? It depends on type of financing products that your friends and family take. For Personal Finance & Vehicle Finance, rewards will be shared immediately after your referred members make the prompt monthly payment. For government servant members, monthly deduction will only commence 3 or 4 months after disbursement. For Home Finance, disbursement may take up to 4 months and installment will commence after disbursement has been done.

38. What if I refer a customer and he does not want to be an AFF member? Membership is done at the free will of the customer. You can still get referral income from this customer. This customer, however, will not be eligible to refer and obtain referral income from other customers unless he joins the AFF. You still need to register this customer in AFF as non-member. No membership fee will be levied.

40. Membership must be registered before a financing account is opened. Payment of incentive will only be paid to active member. Non active member will not receive their monthly incentive. Renewal of membership will be done automatically on the anniversary date where Al Rajhi will deduct the annual fee from their current or saving account. What is the difference between active and non-active member?

41. A statement will be provided on a monthly basis on your referred members coming from each level. No customer details will be provided as we will infringe BNM. Each member will be given a portal ID to check their direct recruit performance in Phase 2. How do I know that my members paid on time?

49. Do you remember this Table? Finance Amount RM250,000 Desired Income No of members Each to introduce RM6,636 1554 6 RM11,958 2800 7 RM19,987 4680 8 RM31,518 7380 9 RM47,448 11110 10 RM68,777 16104 11 RM96,606 22620 12

51. Questions & Answers…..

52. Thank You….

53. How much you can get in total from financing referred? 20 years financing 5 years financing 7 years financing PF 500k 1mil 2mil 3mil 4mil 5mil 8mil 10mil 15mil 20mil $4,651 $9,301 $18,603 $27,904 $37,206 $46,507 $74,412 $93,015 $139,521 $186,029 HF 100k 300k 500k 1mil 2mil 4mil 8mil 10mil 15mil 20mil $242 $727 $1,211 $2,423 $4,846 $9,691 $19,382 $24,227 $36,341 $48,455 AF 50k 100k 200k 400k 800k 1mil 2mil 3mil 5mil 8mil $71 $143 $285 $570 $1,140 $1,425 $2,851 $4,276 $7,127 $11,404

58. How does Al Rajhi share the profit and reward AFF members? Month Beginning Amount Instalment Profit Principal End Amount 1 RM10,000 RM238 RM139 RM98 RM9,902 2 RM9,902 RM238 RM137 RM100 RM9,801 3 RM9,801 RM238 RM135 RM103 RM9,699 ** ** ** ** ** ** ** ** ** ** ** ** 40 RM4,451 RM238 RM49 RM189 RM4,262 41 RM4,262 RM238 RM46 RM191 RM4,071 ** ** ** ** ** ** ** ** ** ** ** ** 58 RM699 RM238 RM7 RM231 RM468 59 RM468 RM238 RM5 RM233 RM235 60 RM235 RM238 RM2 RM235 RM0

65. Some numbers for Personal Finance… Finance Amount RM10,000 Desired Income No of members Each to introduce RM4,895 1554 6 RM8,820 2800 7 RM14,742 4680 8 RM23,247 7380 9 RM34,997 11110 10 RM50,728 16104 11 RM71,253 22620 12

66. Some numbers for Personal Finance… Finance Amount RM20,000 Desired Income No of members Each to introduce RM9,790 1554 6 RM17,640 2800 7 RM29,484 4680 8 RM46,494 7380 9 RM69,993 11110 10 RM101,445 16104 11 RM142,506 22620 12

67. In Brief…. Finance Amount RM30,000 Desired Income No of members Each to introduce RM14,685 1554 6 RM26,460 2800 7 RM44,226 4680 8 RM69,741 7380 9 RM104,990 11110 10 RM152,182 16104 11 RM213,759 22620 12