The document discusses details about Al Rajhi's Affiliate Friends and Family (AFF) program, including how members can earn referral income by referring customers for Al Rajhi financing products. It provides examples of how profit sharing works for different financing amounts and products. Members can earn monthly incentive payments based on the number of customers they refer who make prompt monthly installment payments. The higher the financing amount and number of referrals, the more passive income members can generate through the program.

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…….

7. How are you getting paid? Fixed Salary? Commission? Combination of both?

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!

10. What is passive income? Income that you receive without you exchanging your time and efforts. MLM Insurance Real Estate investment Dividend Income from businesses

11. Our obligations…. How many of us here are debt FREE? When you apply for a financing, what are you really looking for?

12. Everyone looks for…. … ..cheapest cost of financing

13. Have you ever heard of…. a bank that is willing to share part of its profit … to assist you in reducing your monthly obligations… so that it treats you as its partner… and grow together with you in fulfilling your dreams.

14. zero cost of financing… their installments paid for every month… their financing for free… additional monthly income… What if I say that all Al Rajhi customers can get…

15. Introducing…..

17. Let’s understand how direct selling company pays their members? Members of direct selling company needs to make minimum purchase every month. Out of this minimum purchase, the company will realize its profit and a portion will be shared based on hierarchy of network within the direct selling company. If no purchase is made, no income will be shared. It’s that simple.

18. How does Al Rajhi share the profit and reward AFF members? Al Rajhi will only realizes its profit when customers make monthly installments. In each installment, it consists of: Profit Principal / Cost

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

20. How does Al Rajhi share the profit and reward AFF members? Out of the profit portion, the cost of fund will be deducted to obtain the gross profit. Al Rajhi will share a certain percentage from this gross profit and pay to its AFF members.

21. How does Al Rajhi share the profit and reward AFF members? The percentage to be shared from the gross profit are as follows: Personal Finance 12.50% Home Finance 10% Vehicle Finance 9%

22. How does Al Rajhi share the profit and reward AFF members? Example for Home Finance: Finance amount: RM250,000 Profit Rate: BFR – 1.70% Tenure: 15 years Monthly Installment Amount: RM1,983

23. How does Al Rajhi share the profit and reward AFF members? Example for Home Finance: Principal 1 st Month: RM931 Profit 1 st Month: RM1052 Cost of Fund to be deducted from 1 st Month Profit = (4.23% X RM250,000 / 12) = RM881 Profit to be shared = (RM1052 – RM881) X 10% = RM17.1

24. How will the members be rewarded? Members are rewarded based on their position within the hierarchy network. You may refer any number of members under your network and your referred members may do the same. Any member can refer unlimited number of members directly under him/her. Profit can only be shared within 4 levels under each member.

25. How does Al Rajhi share the profit and reward AFF members? Example for Home Finance: Profit to be shared = (RM1052 – RM881) X 10% = RM17.1 As there are 4 levels to be shared, the amount each member gets at each level from the PROMPT installment will be: RM17.1 / 4 levels = RM4.27

27. Although there is no minimum monthly purchase in AFF, all members that obtained financing are required to make PROMPT payment. PROMPT payment is defined as payment made ON or before the due date. Profit of installment will not be shared if the installment is paid after the due date. How will the members be rewarded?

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%

32. When will I get my incentive? On the 5 th of every month, the system will check all installment payment for the previous month. Then all prompt accounts will be arranged in the network hierarchy and the system will apportion the payment accordingly. On the 7 th , system will credit all incentives payable into your saving/current accounts.

33. What if…. If I obtain a financing of 250k for 15 years @ 5.05%, my installment per month will be RM1,983 How many customers that I need to refer within my network in order for me to payoff my monthly installment? For each referred customers of the same finance amount, each one will provide RM4.27, if they pay prompt. Therefore, for RM1,983 per month, you have to get 464 customers directly under you or you need to get only 5 customers at Level 1 and everybody does the same up to 4 levels. You will have 780 members in your network contributing RM3331.

34. What if…. How many customers should there be in my network if I want to earn RM12,000 per month? There should be 2800 customers within your 4 levels of network each taking financing of RM250,000 and making PROMPT monthly payments. Or you need only 7 customers directly under you at Level 1 and everyone in your group does the same up to 4 levels downward.

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.

39. All member needs to pay: a one time registration fee of RM50 to be deducted on the following 7 th of the month after membership application is submitted & approved. subsequent years annual fee of RM20 to be deducted on 7 th of the month of the anniversary. No Cash will be collected by members. All fees are deductible from customers’ savings or current account. How much does the membership cost?

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?

45. Who is Al Rajhi targeting to be members of its AFF? All retail financing products are eligible for this program: Personal Finance Home Finance Vehicle Finance Shop Finance (when we launch)

47. Who are Al Rajhi targeting to be members of its AFF – Home Finance? Malaysian and expatriates buying property/refinance property within locality of Al Rajhi’s branches. Max MOF: 90% Foreigners / Malaysians working abroad seeking financing for properties within ARB branches locality. Max MOF: 75% Foreigners purchasing property under MM2H. Max MOF: 75% Profit Rate: BFR – 1.70% Fixed profit rate also available

48. How to submit applications? All finance applications together with AFF registration form need to be submitted to any of our branches or Direct Sales Executive together with AFF registration form. You will get the AFF referral incentive when your friends and family make PROMPT monthly payment. Sales figure will be reported under branches or the respective Direct Sales Executive.

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

50. Do you think you can get AFF to payoff your financing? Do you think you can get out of rat race and be debt free? Do you think AFF can expedite your dreams? Do you think AFF can change your life? So, what do you think of Al Rajhi Friends and Family?

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

54. Some other dreams……. Some people’s dream: Travel the world Many wives Debt Free Live forever Able to help people by donation Billionaires Retire early and live the rich lifestyles

55. Who are Al Rajhi targeting to be members of its AFF – Personal Finance? For Personal Finance, Al Rajhi targets: Government servants through ANGKASA salary deduction Mass market customers with salary above RM1500 with no adverse records in CCRIS & CTOS. Arrangement under Al Rajhi Corporate Community Select can also be made.

57. All federal staff with Federal AG payroll All approved state department with State AG payroll Selected statutory bodies and privatized government departments Approved government servants categories…

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

59. How does Al Rajhi share the profit and reward AFF members? Out of the profit portion, the cost will be deducted to obtain the gross profit. Al Rajhi will share a certain percentage from this gross profit and pay to its AFF members.

60. How does Al Rajhi share the profit and reward AFF members? The percentage to be shared from the gross profit are as follows: Personal Finance 12.50% Home Finance 10% Vehicle Finance 9%

61. How does Al Rajhi share the profit and reward AFF members? Example for Personal Finance: Finance amount: RM10,000 Profit Rate: 8.50% Tenure: 5 years Monthly Installment Amount: RM238

62. How does Al Rajhi share the profit and reward AFF members? Example for Personal Finance: Principal 1 st Month: RM98.66 Profit 1 st Month: RM139.34 Cost of Fund to be deducted from 1 st Month Profit = (4.40% X RM10,000 / 12) = RM36.67 Profit to be shared = (RM139.34 – RM36.67) X 12.50% = RM12.59

63. How will the members be rewarded? Members are rewarded based on their position within the hierarchy network. You may refer any number of members under your network and your referred members may do the same. Any member can refer unlimited number of members directly under him/her. Profit can only be shared within 4 levels under each member.

64. How does Al Rajhi share the profit and reward AFF members? Example for Personal Finance: Profit to be shared = (RM139.34 – RM36.67) X 12.50% = RM12.59 As there are 4 levels to be shared, the amount each member gets at each level from the PROMPT installment will be: RM12.59 / 4 levels = RM3.15

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