LEMBARAN SOROTAN PRODUK

AMANAH HARTANAH BUMIPUTERA

(Ditubuhkan pada 20 Oktober 2010)

PERNYATAAN TANGGUNGJAWAB

Lembaran Sorotan Produk ini telah disemak dan diluluskan oleh pengarah-pengarah Maybank Asset Management Sdn Bhd dan pengarah-pengarah Pelaburan Hartanah Berhad dan mereka, bersesama dan berasingan, menerima tanggungjawab sepenuhnya terhadap ketepatan maklumat. Setelah membuat segala siasatan yang munasabah, mereka mengesahkan setakat yang mereka ketahui dan percaya, bahawa tidak terdapat apa-apa pernyataan yang salah atau mengelirukan, atau peninggalan fakta lain yang boleh menyebabkan apa-apa pernyataan dalam Lembaran Sorotan Produk ini salah atau mengelirukan.

PERNYATAAN PENAFIAN

Suruhanjaya Sekuriti Malaysia (“SC”) telah meluluskan Amanah Hartanah Bumiputera dan satu salinan Lembaran Sorotan Produk ini telah didaftarkan dengan SC . Kelulusan Amanah Hartanah Bumiputera dan pendaftaran Lembaran Sorotan Produk ini tidak menunjukkan bahawa SC mengesyorkan Amanah Hartanah Bumiputera atau bertanggungjawab ke atas ketepatan apa-apa pernyataan yang dibuat, pendapat yang dinyatakan atau laporan yang terkandung dalam Lembaran Sorotan Produk ini. SC juga tidak berkewajipan ke atas mana-mana bahagian yang tidak didedahkan dipihak Maybank Asset Management Sdn Bhd dan Pelaburan Hartanah Berhad yang bertanggungjawab ke atas Amanah Hartanah Bumiputera dan tidak mengambil tanggungjawab terhadap kandungan Lembaran Sorotan Produk ini. SC juga tidak diwakilkan atas kejituan dan ketepatan Lembaran Sorotan Produk ini, dan dengan jelas menafikan mana-mana langsung liabiliti yang timbul dari, atau bergantung ke atas, keseluruhan atau sebahagian dari kandungannya.

PENAJA PENGURUS PENGEDAR

Pelaburan Hartanah Berhad Maybank Asset Management Sdn Bhd Malayan Banking Berhad

(732816-U)

(421779-M)

(3813-K)

PEMEGANG AMANAH

*Tertakluk kepada terma dan syarat KWSP

AmanahRaya Trustees Berhad (766894-T)

Dana ini bukan dana modal terjamin atau dana modal terlindung sebagaimana yang ditakrifkan di

bawah Garis Panduan Dana Unit Amanah oleh Suruhanjaya Sekuriti Malaysia.

ghts the key feaof the

Lembaran Sorotan Produk ini hanya menonjolkan ciri-ciri utama dan risiko Amanah Hartanah Bumiputera. Para pelabur adalah dinasihatkan supaya membaca dan memahami kandungan Prospektus Dana sebelum membuat keputusan untuk melabur.

AMANAH HARTANAH BUMIPUTERA (“AHB”)

1. Ciri-ciri penting Dana:

Nama Dana : Amanah Hartanah Bumiputera (“AHB” atau Dana”) Surat Ikatan : Surat Ikatan Dana bertarikh 20 Oktober 2010, Surat Ikatan Tambahan

Pertama bertarikh 5 Januari 2011, Surat Ikatan Tambahan Kedua bertarikh 13 Julai 2012, Surat Ikatan Tambahan Ketiga bertarikh 11 September 2013, Surat Ikatan Tambahan Keempat bertarikh 7 Februari 2014, Surat Ikatan Tambahan Kelima bertarikh 20 Mac 2015 dan apa-apa surat ikatan tambahan selanjutnya yang diikat antara Penaja, Pengurus dengan Pemegang Amanah dari masa ke masa

Kategori Dana

:

Aset-aset yang disokong hartanah

Jenis Dana : Pendapatan Penaja : Pelaburan Hartanah Berhad (“Penaja”) Pengurus : Maybank Asset Management Sdn Bhd (“Pengurus”) Pemegang Amanah : AmanahRaya Trustees Berhad (“Pemegang Amanah”)

KESESUAIAN PRODUK

2. Siapakah yang sesuai membeli produk ini? Dana ini boleh dianggap menarik bagi pelabur-pelabur yang: (i) mempunyai pandangan pelaburan jangka panjang;

(ii) mencari pemeliharaan modal;

(iii) mencari pendapatan tetap; dan

(iv) mempunyai toleransi risiko yang rendah.

PATUH SYARIAH

3. Dana ini telah disahkan sebagai patuh Syariah oleh panel penasihat Syariah untuk Dana, dan Majlis Penasihat Syariah SC tidak ada apa-apa bantahan terhadap struktur Dana.

CIRI-CIRI UTAMA PRODUK

4. Apakah yang saya melabur dalam?

Harga setiap Unit : Harga unit ditetapkan pada RM1.00 Matlamat Pelaburan

: Dana ini berusaha untuk membekalkan Pemegang Unit dengan aliran pendapatan tetap dan konsisten sambil mempertahankan modal pelaburan Pemegang Unit

Strategi-strategi Pelaburan

: Dana ini berusaha untuk mencapai matlamat pelaburannya menerusi pelaburan yang terutamanya dalam pemilikan benefisial hartanah Malaysia yang diperolehi dari Penaja atau anggota gabungannya

terutama sekali harta-harta komersil termasuk dan tidak terhad kepada bangunan-bangunan pejabat, kompleks membeli-belah, pusat-pusat komersil, logistik dan kompleks-kompleks perindustrian. Dana ini juga akan melabur dalam pasaran instrumen matawang yang mematuhi kehendak Syariah dan memegang wang tunai untuk memenuhi keperluan kecairannya

Peruntukan Aset-aset : Pelaburan Had-had

Pelaburan dalam pemunyaan benefisial hartanah di Malaysia yang patuh Syariah; dan

34% hingga 100% daripada VOF Dana boleh dilaburkan dalam pemunyaan benefisial hartanah di Malaysia; dan

Wang tunai dan apa-apa instrumen pasaran wang lain yang patuh Syariah

0% hingga 66% daripada VOF Dana boleh dilaburkan dalam wang tunai dan apa-apa instrumen pasaran wang lain

Tanda Aras Prestasi : Pelaburan Am 12-bulan dalam Akaun-I, Maybank Islamic Berhad Kelayakan

(i) Bumiputera Malaysia:

(a) Akaun Dewasa (18 tahun ke atas);

(b) Akaun Remaja (bagi pemohon bawah umur atau kanak-kanak berumur tiga (3) bulan tetapi di bawah usia 18 tahun dibawah nama penjaga yang sah. Kedua-dua penjaga yang sah dan kanak-kanak tersebut mestilah Bumiputera Malaysia);

(ii) Institusi-institusi Bumiputera (Nota1); dan

(iii) Lain-lain yang ditetapkan oleh surat ikatan.

Nota (1): Mana-mana jualan unit-unit kepada Institusi Bumiputera adalah melalui

pelawaan dari Pengurus setelah dirunding dengan Penaja.

Saiz Dana yang Diluluskan

: 3,500,000,000 unit

Dasar Agihan

:

Agihan boleh dibuat daripada pendapatan Dana, pada pilihan Pengurus setelah berunding dengan Penaja, pada setiap setengah tahun atau pada masa lain yang tertentu seperti yang Pengurus boleh tentukan mengikut budi bicara penuhnya, tertakluk kepada kelulusan daripada Pemegang Amanah. Hanya Pemegang Unit yang nama mereka disenaraikan dalam daftar Pemegang Unit pada tarikh kelayakanNota (2) adalah layak untuk agihan. Nota (2): 31 Mac dan 30 September atau tarikh lain seperti yang akan ditentukan

oleh Pengurus.

RISIKO TERTENTU

5. Berikut adalah risiko tertentu yang dikaitkan dengan produk dimana jika ia berlaku kemungkinan boleh menyebabkan kerugian yang besar:

Risiko Kecairan

Ini merujuk kepada betapa mudahnya sesuatu pelaburan boleh dilupuskan pada atau hampir dengan nilai wajarnya. Memandangkan Dana melabur terutamanya dalam pemunyaan benefisial Aset Hartanah, Dana terdedah kepada risiko kecairan yang tinggi kerana ia mungkin tidak dapat menjual pemunyaan

benefisial Aset Hartanah pada harga pasaran semasa dengan serta-merta.

Risiko kadar untung

Peningkatan kadar untung semasa akan menyebabkan pelaburan Dana dalam instrumen pasaran wang menurun dari segi nilai. Walau bagaimanapun, kerugian ini tidak direalisasikan melainkan Pengurus terpaksa menjualnya sebelum matang.

Risiko kedua-dua

belah pihak

Penaja atau anggota gabungannya mungkin tidak memenuhi obligasi berkontraknya di bawah dokumen urus niaga. Ini termasuk obligasinya untuk membayar sewa pajakan untuk Aset Hartanah, membeli semula unit-unit daripada Pengurus menurut permintaan pembelian semula oleh Pemegang Unit, dan membayar Harga Laksana apabila aku janji belian, aku janji jualan atau aku janji penggantian dikuatkuasakan.

Perlindungan yang cukup

Aset Pajakan mungkin akan mengalami kerosakkan yang disebabkan kebakaran, banjir, gempa bumi atau lain-lain sebab atau Penaja mungkin akan mengalami tuntutan liabiliti awam, yang mana boleh mengakibatkan kerugian (termasuk kerugian penyewaan), dan mungkin tidak akan dapat pampasan sepenuhnya dari takaful. Disamping itu, jenis-jenis risiko tertentu (seperti risiko peperangan dan tindakan pengganas) mungkin tidak boleh dilindungi insuran atau kos takaful mungkin menjadi penghalang berbanding dengan nilai risiko. Sekiranya berlaku kerugian yang tidak dilindungi atau kerugian yang melebihi had yang dilindungi, Penaja berkemungkinan boleh menanggung kerugian dari pulangan yang diharapkan dari Aset Pajakan di masa hadapan. Tidak ada jaminan yang boleh diberikan bahawa tidak akan terjadi kerugian besar yang melebihi pampasan insuran.

Tiada pendaftaran pindah milik Aset Pajakan

Memandangkan Dana melabur dalam pemunyaan benefisial Aset Hartanah, Pemegang Amanah tidak akan menjadi tuan punya berdaftar Aset Hartanah melainkan Penaja gagal menjalankan obligasinya untuk membeli pemunyaan benefisial di bawah aku janji belian, aku janji jualan atau aku janji penggantian atau apabila Dana ditamatkan. Jika ini berlaku, Pemegang Amanah perlu melupuskan mana-mana atau semua Aset Hartanah (dan jika Aset Hartanah itu dipegang di bawah hak milik induk, Pemegang Amanah boleh menyerahkan haknya sebagai pemilik benefisial Aset Hartanah itu) dan untuk berbuat demikian, Pemegang Amanah mesti boleh mendaftarkan atas namanya sendiri atau memindah milik atau menyerahkan hak (mengikut keadaan) Aset Hartanah tersebut kepada pembeli pihak ketiga. Sebagai sebahagian daripada perjanjian pembelian aset, surat ikatan hak milik asal dan memorandum pindah milik (dan jika Aset Hartanah dipegang di bawah hak milik induk, maka surat ikatan penyerahan hak Aset Hartanah itu) (berserta dokumen yang diperlukan untuk menguatkuasakan pindah milik) telah didepositkan dengan Pemegang Amanah untuk dipegang secara eskrow dan Pemegang Amanah telah juga dilantik sebagai wakil Penaja di bawah surat kuasa wakil tidak boleh batal. Ini membolehkan Pemegang Amanah menguatkuasakan pindah milik atau penyerahan hak Aset Hartanah yang berkaitan kepada dirinya sendiri atau pembeli pihak ketiga itu.

Risiko tiada pembaharuan Perjanjian Pajak

Sekiranya perjanjian pajak tidak diperbaharui atau diperbaharui pada kadar sewa yang lebih rendah daripada kadar sewa semasa, Dana mungkin akan kehilangan pendapatan sewa daripada Aset Pajakan dan ini boleh menjejaskan pengagihan pendapatan kepada Pemegang-pemegang Unit.

Risiko penebusan awal

Pelaburan anda boleh diwajibkan untuk ditebus apabila Penaja melaksanakan pilihan pembersihan dan membeli balik semua unit-unit yang tidak dipegang oleh Penaja apabila Penaja memegang lebih dari 90% dari semua unit-unit yang dikeluarkan untuk tempoh enam (6) bulan berturut-turut atau lebih.

Risiko tidak patuh Syariah

Terdapat risiko bahawa Aset Hartanah yang dipegang pada masa ini akan dikelaskan semula sebagai tidak patuh Syariah apabila dikaji semula oleh panel penasihat Syariah. Ini mungkin berlaku jika sewa pajakan diperoleh daripada aktiviti yang tidak menurut prinsip Syariah. Oleh itu, Dana tidak akan mendapat manfaat daripada apa-apa sewa pajakan yang diterima daripada Aset Pajakan selepas pengelasan semula Aset Pajakan. Akibatnya, sewa pajakan akan disalurkan kepada mana-mana badan amal seperti yang dinasihatkan oleh panel penasihat Syariah.

FI DAN CAJ-CAJ

6. Jadual ini memberi huraian caj-caj yang dikenakan secara langsung ke atas anda apabila anda membeli atau menebus balik unit-unit Dana:

Caj-caj %/RM

Caj Jualan : Buat masa ini, Pengurus tidak mengenakan apa-apa caj jualan apabila

anda membeli unit-unit. Caj Belian Semula

: Pada masa ini, Pengurus tidak mengenakan apa-apa caj belian semula apabila anda menjual unit.

7. Jadual di bawah memberi huraian ke atas caj-caj yang boleh anda dikenakan secara tidak langsung

apabila anda membeli atau menjual unit-unit Dana ini: Fi %/RM

Fi Tahunan Pengurusan

: Sehingga jumlah maksima 1.00% setahun dari VOF, dikira dan diakru harian, sebagaimana yang boleh dipersetujui antara Pemegang Amanah dan Pengurus.

Fi Tahunan Pemegang Amanah

: Sehingga 0.08% setahun dari VOF, tertakluk pada jumlah minima sebanyak RM18,000 setahun.

Perbelanjaan Dana : Selain fi pengurusan dan fi pemegang amanah, terdapat perbelanjaan

tahunan lain yang terlibat dalam mengendalikan Dana, termasuk, saraan juruaudit dan fi dan kos profesional lain yang berkaitan, caj bank, zakat, fi penasihat Syariah, caj dan perbelanjaan yang berkaitan dengan percetakan dan pengedaran laporan tahunan dan notis, serta perbelanjaan yang berkait secara langsung dengan dan yang perlu untuk urusan Dana seperti yang dinyatakan di dalam surat ikatan. Perbelanjaan ini ditolak daripada pendapatan kasar Dana. Pemegang Amanah hendaklah membayar semua yang dibelanjakan oleh Penaja berkenaan dengan perkhidmatan-perkhidmatan yang dilaksanakan berkaitan dengan Aset-aset Pajakan (dikenali sebagai jumlah caj perkhidmatan) di bawah perjanjian agensi perkhidmatan. Jumlah caj perkhidmatan juga adalah sama dengan bayaran tambahan yang perlu dibayar oleh Penaja kepada Pemegang Amanah (dikenali sebagai sewa tambahan) di bawah perjanjian pajak dan perjanjian agensi perkhidmatan. Memandangkan nilai jumlah caj perkhidmatan adalah sama dengan sewa tambahan, Dana tidak akan menanggung apa-apa perbelanjaan tambahan berkenaan dengan jumlah caj perkhidmatan.

MAKLUMAT URUS NIAGA

8. Pelaburan Permulaan Minimum

: (i) Individu dengan tunai – 100 unit; (ii) Individu di bawah Skim Pelaburan Ahli KWSP – 1,000 unit; dan (iii) Institusi Bumiputera – 250,000 unit (Nota 1)

Pelaburan Maksimum : (i) Individu - 500,000 unit; dan

(ii) Institusi Bumiputera – Sehingga 50% daripada saiz Dana(Nota 1) Nota1: Tertakluk kepada ketersediaan unit. Pengurus mempunyai budi bicara untuk mengubah had pelaburan oleh mana-mana individu dan/atau institusi Bumiputera.

Pelaburan Tambahan Minimum

: (i) Individu - 50 unit; (ii) Individu di bawah Skim Pelaburan Ahli KWSP – 1,000 unit; dan (iii) Institusi Bumiputera – akan ditentukan oleh Pengurus dan Penaja.

Keperluan Baki Minima

: Pemegang-pemegang Unit diperuntukan untuk mengekalkan baki 100 unit (atau 1,000 unit jika pelaburan dibuat di bawah Skim Pelaburan Ahli-ahli KWSP). Jika sekiranya satu permohonan beli balik menyebabkan seseorang Pemegang Unit memegang kurang dari baki minima yang ditetapkan, Pengurus berhak membeli balik semua baki unit dan menutup akaun Pemegang Unit.

Pembelian Balik Unit/ Penjualan Unit Minima

: (i) Individu - 100 unit; dan (ii) Institusi Bumiputera – akan ditentukan oleh Pengurus dan Penaja

Kekerapan Pembelian Balik Unit

:

Sekali dalam sebulan kalendar. Sila rujuk kepada Seksyen 4.3.6 (ii) dalam prospektus untuk keterangan lanjut mengenai kekerapan pembelian balik unit.

Hak Masa Bertenang

:

Tidak ada.

Bayaran untuk Unit Dibeli Semula

: (i) Individu – Di bawah Garis Panduan, bayaran untuk pembelian semula unit akan dibuat dalam tempoh 10 hari kalendar selepas menerima permintaan untuk pembelian semula tetapi Pengurus akan berusaha untuk membayar dengan serta-merta. Untuk Pemegang Unit yang melanggan melalui Skim Pelaburan Ahli KWSP, bayaran akan dibuat kepada KWSP sahaja, dan

(ii) Institusi Bumiputera – Bayaran dalam tempoh 10 hari kalendar selepas menerima permintaan untuk pembelian semula.

Mod Agihan : Apa-apa agihan daripada Dana hendaklah dibayar sepenuhnya secara

tunai ke dalam akaun bank Pemegang Unit, kecuali bagi pelaburan yang dibuat di bawah Skim Pelaburan Ahli KWSP. Bagi pelaburan dalam Dana yang dibuat di bawah Skim Pelaburan Ahli KWSP, apa-apa agihan akan dibayar ke dalam akaun KWSP anda.

Dasar Penukaran : Tidak ada.

SKIM PELABURAN AHLI KWSP

9. Skim ini membenarkan ahli KWSP melabur 20% daripada jumlah yang melebihi jumlah yang

diperlukan untuk Simpanan Asas dalam Akaun 1 melalui syarikat pengurusan unit amanah yang dilantik oleh Kementerian Kewangan.

Bagaimanakah hendak melabur?

Pelaburan permulaan minimum RM1,000.00

Pelaburan Maksimum Jumlah yang boleh dilabur ialah 20% daripada jumlah yang melebihi jumlah Simpanan Asas dalam Akaun 1 tertakluk kepada had pelaburan maksimum dana berjumlah RM500,000.00

Kekerapan pelaburan Sekali setiap tiga bulan

Simpanan asas yang diperlukan dalam Akaun 1:

Umur

Simpanan Asas yang perlu dikekalkan dalam

Akaun 1 (RM) Umur

Simpanan Asas yang perlu dikekalkan dalam

Akaun 1 (RM)

18 1,000 37 54,000

19 2,000 38 59,000

20 4,000 39 64,000

21 5,000 40 69,000

22 7,000 41 76,000

23 9,000 42 81,000

24 11,000 43 88,000

25 13,000 44 95,000

26 15,000 45 102,000

27 18,000 46 109,000

28 21,000 47 117,000

29 24,000 48 125,000

30 27,000 49 134,000

31 30,000 50 143,000

32 34,000 51 153,000

33 37,000 52 163,000

34 41,000 53 174,000

35 46,000 54 185,000

36 50,000 55 196,800

Sumber: Kumpulan Wang Simpanan Pekerja (“KWSP”)

* Jadual di atas ini tertakluk kepada perubahan oleh KWSP Contoh: Karim berumur 33 tahun. Daripada penyata KWSP terkini beliau, jumlah dalam Akaun 1 ialah RM70,000. Mengikut jadual Asas Simpanan di atas, simpanan asas yang diperlukan dalam Akaun 1 ialah RM37,000. Ini bermakna beliau layak mengeluarkan minimum RM1,000 dan maksimum RM6,600 daripada simpanan KWSP beliau untuk dilaburkan dalam unit amanah. Perkiraan (RM70,000 – RM37,000) x 20% = 6,600

Ketahui jika anda layak: Semak baki akaun anda di mana-mana Kios Pintar Persaraan KWSP di seluruh negara

dengan menggunakan MyKad anda; atau

Rujuk penyata KWSP terkini anda; atau

Log masuk www.kwsp.gov.my jika anda adalah pengguna berdaftar i-Akaun

*Sila rujuk www.kwsp.gov.my untuk maklumat terperinci berkaitan lokasi Kios pintar dan waktu operasinya.

SOALAN LAZIM

10. TENTANG AMANAH HARTANAH BUMIPUTERA

1. Apa itu AHB? AHB ialah dana unit amanah patuh Syariah yang melabur terutamanya dalam pemunyaan benefisial harta komersil di lokasi utama di Malaysia. AHB mempunyai saiz dana tersedia berjumlah 3.5 bilion unit untuk dilanggan oleh pelabur Bumiputera pada harga RM1.00 per unit di semua cawangan Maybank Banking Berhad (“Maybank”). Pada masa ini, Dana ini disokong oleh sebelas (11) harta komersil utama yang telah disewakan dan menikmati aliran pendapatan sewaan secara tetap. AHB diwujudkan untuk memberikan peluang kepada pelabur Bumiputera menyertai pemilikan harta komersil utama melalui pegangan unit dalam AHB sebagai Pemegang Unit.

2. Apakah objektif pelaburan AHB? Dana ini bertujuan untuk menyediakan Pemegang Unit dengan aliran pendapatan yang tetap dan konsisten sambil mengekalkan modal pelaburan Pemegang Unit.

3. Siapakah yang layak melabur dalam AHB?

Berikut adalah mereka yang layak melabur dalam AHB: (i) Bumiputera Malaysia

(a) Akaun Dewasa (18 tahun ke atas); (b) Akaun Remaja (bagi pemohon bawah umur dan kanak-kanak berumur tiga (3) bulan

dan ke atas tetapi di bawah usia 18 tahun dibawah nama penjaga yang sah. Kedua-dua penjaga yang sah dan kanak-kanak tersebut mestilah Bumiputera Malaysia);

(ii) Institusi Bumiputera (Nota 1) ; dan

(iii) Lain-lain seperti yang ditetapkan oleh surat ikatan Nota (1): Apa-apa jualan unit kepada institusi Bumiputera adalah melalui jemputan dari Pengurus, selepas

berunding dengan Penaja

4. Apakah kelebihan melabur dalam AHB? Pelaburan disokong oleh harta komersil di lokasi utama di Malaysia AHB adalah skim pelaburan yang telah disahkan sebagai patuh Syariah Dana ini diurus oleh pengurus dana yang profesional dan berpengalaman Mampu milik kerana ia hanya memerlukan pelaburan permulaan yang kecil Hak dan kepentingan anda dipantau dengan teliti oleh Pemegang Amanah Dana Pelaburan jangka panjang yang berpotensi memberikan pulangan yang kompetitif Rangkaian cawangan Maybank yang meluas di seluruh Malaysia

MELABUR DALAM AMANAH HARTANAH BUMIPUTERA

11. 1. Apakah yang perlu saya lakukan jika saya berminat hendak melabur dalam AHB?

Anda dinasihatkan supaya membaca dan memahami kandungan prospektus Dana ini, yang telah didaftarkan dengan SC, sebelum melabur dalam Dana ini. Salinan prospektus dan borang permohonan boleh didapati di mana-mana cawangan Maybank di Malaysia.

2. Apakah yang harus saya lakukan jika saya hendak membeli unit AHB?

Anda boleh membeli unit AHB di mana-mana cawangan Maybank di seluruh Malaysia pada mana-

mana Hari Perniagaan pada waktu kerja. Di sana anda dinasihatkan supaya: • Meminta bantuan di kaunter pertanyaan • Anda akan diminta mendapatkan penjelasan lanjut tentang Dana ini daripada Eksekutif

Kewangan (FE) di cawangan Maybank • Isi “Borang Pendaftaran - Akaun Dewasa” atau “Borang Pendaftaran - Akaun Kanak-

Kanak/Remaja”, mengikut mana-mana yang berkenaan. (Sila ambil perhatian bahawa anda dikehendaki menyatakan nombor akaun bank dalam borang ini. Ini bagi memudahkan pembayaran dividen, jika ada, kerana dividen akan dibayar terus ke dalam akaun anda. Akaun bank selain Maybank boleh diterima tetapi caj minimum akan dikenakan bagi menampung kos urus niaga untuk pembayaran dividen. Sebagai alternatif, anda boleh membuka akaun Maybank baharu dengan deposit minimum sebanyak RM10)

• Mengemukakan borang yang lengkap berserta Kad Pengenalan anda, atau Mykid/ salinan asal sijil beranak (bagi individu berumur 3 bulan hingga 18 tahun) dan jumlah pelaburan dalam bentuk tunai atau cek jurubank di kaunter. Seterusnya, salinan Borang Pendaftaran yang disahkan akan dikeluarkan kepada anda sebagai bukti pelaburan anda.

3. Berapakah harga seunit AHB?

Harga seunit telah ditetapkan pada RM1.00.

4. Apakah pelaburan minimum, maksimum dan tambahan yang dibenarkan?

Pelaburan permulaan minimum ialah RM100 bagi setiap individu, kecuali jika pelaburan minimum bagi individu di bawah Skim Pelaburan Ahli KWSP adalah RM1,000. Pelaburan permulaan minimum bagi institusi Bumiputera adalah RM250,000. Pelaburan maksimum ialah RM500,000 bagi setiap individu. Institusi Bumiputera layak sehingga 50% daripada saiz Dana (Nota 1). Pengurus mempunyai budi bicara untuk mengubah had ke atas pelaburan oleh mana-mana individu dan/atau institusi Bumiputera. Nota: (1) Tertakluk kepada kebolehdapatan unit

Pelaburan tambahan minimum bagi seorang individu ialah RM50 kecuali pelaburan tambahan minimum untuk individu di bawah Skim Pelaburan Ahli KWSP adalah RM1000. Pelaburan tambahan minimum bagi institusi Bumiputera akan ditentukan oleh Pengurus dan Penaja.

5. Apakah jumlah minimum penebusan?

Jumlah minimum penebusan ialah RM100 bagi setiap individu. Jumlah minimum penebusan bagi Institusi Bumiputera akan ditentukan oleh Pengurus dan Penaja. Anda boleh menjual balik unit anda dengan mengisi Borang Jualan Balik di kaunter. (Sila ambil perhatian bahawa baki yang tinggal dalam akaun anda mestilah sekurang-kurangnya RM100 atau 1,000 unit jika pelaburan dibuat di bawah Skim Pelaburan Ahli KWSP. Jika tidak anda akan dikehendaki menebus semua baki anda dan akaun anda akan ditutup.)

6. Berapa kerapkah saya boleh menebus unit saya?

Penebusan hanya boleh dibuat sekali dalam setiap bulan kalendar. 7. Bagaimanakah cara membuat pembayaran untuk melabur dalam AHB?

Sama ada secara tunai, cek jurubank (Cek persendirian tertakluk pada penjelasan cek) atau Skim Pelaburan Ahli KWSP.

8. Adakah saya akan mendapat buku simpanan atau sijil selepas penerimaan pelaburan dalam unit

AHB? Pelaburan anda akan dibuktikan melalui salinan Borang Pendaftaran yang telah disahkan apabila anda membuat pembelian unit AHB di Maybank. Maklumat peribadi anda akan diambil dan diuruskan melalui “Sistem Perbankan Automatik Maybank”. Penyata akan dikeluarkan setiap enam bulan sekali yang menunjukkan baki pelaburan anda

dalam AHB. Sebagai tambahan, anda boleh meminta penyata anda dicetak di mana-mana cawangan Maybank dengan menunjukkan kad pengenalan anda. Walau bagaimanapun, penyata tidak akan dikeluarkan serta-merta apabila permintaan dibuat. Maybank akan menghubungi anda apabila penyata siap untuk diambil.

9. Berapa kerapkah agihan pendapatan dilakukan?

Agihan pendapatan (jika ada) akan dilakukan setiap setengah tahun. 10. Bolehkah agihan dilabur semula?

Apa-apa agihan daripada Dana akan dibayar sepenuhnya secara tunai ke dalam akaun bank Pemegang Unit, kecuali pelaburan yang dibuat di bawah Skim Pelaburan Ahli KWSP. Bagi pelaburan Dana yang dibuat di bawah Skim Pelaburan Ahli KWSP, apa-apa agihan akan dibayar ke dalam akaun KWSP anda.

11. Adakah terdapat apa-apa fi atau caj yang dikenakan untuk jualan dan belian balik? Tiada caj atau fi secara langsung yang dikenakan. Anda boleh membeli dan menjual unit pada harga yang ditetapkan sebanyak RM1.00 per unit.

12. Adakah terdapat apa-apa tempoh matang untuk Dana ini?

Tiada tempoh matang untuk Dana ini. Tempoh pegangan Dana tidak ditetapkan, tertakluk pada syarat surat ikatan dan dokumen urus niaga.

13. Bolehkah saya memindahkan unit kepada waris terdekat/lain-lain? Pindahan unit tidak dibenarkan, kecuali bagi yang berikut: (i) pindahan kepada dan daripada Penaja; atau

(ii) pindahan kepada pemegang amanah, pentadbir atau wasi harta pusaka bagi pemegang

unit yang sudah meninggal dunia, yang berhak didaftarkan sebagai pemegang unit

menurut Seksyen 313 Akta Pasaran Modal dan Perkhidmatan 2007; atau

(iii) pindahan kepada institusi kewangan yang telah menyediakan pembiayaan kepada Pemegang Unit untuk pembelian unit-unit itu.

14. Di manakah saya boleh mendapat maklumat lanjut tentang AHB?

Anda boleh menghubungi Pengurus di talian 03-2297 7888 atau mana-mana cawangan Maybank.

MAKLUMAT HUBUNGAN

15. Siapakah yang harus saya hubungi untuk mendapatkan maklumat lanjut atau mengemukakan

aduan?

1. Untuk penyelesaian pertikaian dalaman, anda boleh menghubungi:

Maybank Asset Management Sdn Bhd Tingkat 12, Menara C Dataran Maybank No. 1, Jalan Maarof 59000 Kuala Lumpur Tel: 03-2297 7888 Faks: 03-2297 7998 Laman web: www.maybank-am.com

2. Jika anda tidak berpuas hati dengan keputusan proses penyelesaian pertikaian dalaman, sila

rujuk pertikaian anda kepada Pusat Penyelesaian Pertikaian Industri Sekuriti (“SIDREC”)

(a) Melalui telefon: 03-2282 2280

(b) Melalui faks: 03-2282 3855

(c) Melalui e-mel: info@sidrec.com.my

(d) Melalui surat kepada:

Pusat Penyelesaian Pertikaian Industri Sekuriti (“SIDREC”)

Unit A-9-1, Tingkat 9, Menara A Menara UOA Bangsar No. 5, Jalan Bangsar Utama 1 59000 Kuala Lumpur

3. Anda juga boleh mengemukakan aduan anda kepada SC walaupun anda telah memulakan proses

penyelesaian pertikaian dengan SIDREC. Untuk membuat aduan, sila hubungi Jabatan Hal Ehwal

Pelabur & Pengaduan SC:

(a) Melalui Aduan Hotline di: 03-6204 8999

(a) Melalui faks: 03-6204 8991

(b) Melalui e-mel: aduan@seccom.com.my

(c) Melalui borang aduan dalam talian yang boleh didapati di www.sc.com.my

(d) Melalui surat kepada:

Jabatan Hal Ehwal Pelabur & Pengaduan Suruhanjaya Sekuriti Malaysia 3, Persiaran Bukit Kiara Bukit Kiara 50490 Kuala Lumpur

GLOSARI

Pemunyaan benefisial Kepentingan benefisial dalam Aset Hartanah dan termasuk semua hak yang berkaitan dengan pemunyaan aset hartanah selain pemunyaan di sisi undang-undang. Walau bagaimanapun, kepentingan benefisial adalah tertakluk kepada apa-apa hak yang sedia ada (sama ada berdaftar atau selainnya). Penaja atau anggota gabungannya akan terus menjadi pemilik berdaftar Aset Hartanah. Jika Aset Hartanah itu dipegang di bawah hakmilik induk dan Penaja atau anggota gabungannya adalah pemilik benefisial Aset Hartanah tersebut, sehingga suatu masa hakmilik individu berasingan dikeluarkan atas nama Penaja atau anggota gabungannya, ertinya pemunyaan benefisial tersebut yang dipindahkan ke Dana menurut perjanjian pembelian aset. Di atas adalah tertakluk kepada syarat-syarat dokumen urus niaga di mana Penaja merupakan satu pihak

Hari Perniagaan Hari (tidak termasuk Sabtu, Ahad dan cuti umum) yang bank komersil dibuka untuk urusan perniagaan di Kuala Lumpur dan Selangor, Malaysia

KWSP Kumpulan Wang Simpanan Pekerja yang ditubuhkan di bawah Akta Wang Simpanan Pekerja 1991

Skim Pelaburan Ahli KWSP

Caruman Pemegang Unit dalam KWSP yang boleh dilaburkan dalam Dana tertakluk kepada kaedah dan peraturan KWSP.

Harga Terlaksana

Pertimbangan bayaran bagi pembelian pemilikan benefisial Aset Hartanah yang boleh diagregatkan sebagaimana:

(i) yang berkenaan Aset Pajakan, harga perolehannya disebut

di dalam perjanjian pembelian aset yang mana kepentingan benefisial dalam Aset Pajakan diambil alih oleh Pemegang Amanah;

(ii) yang berkenaan dengan Aset Hartanah selain dari Aset

Pajakan, harga perolehannya yang disebut di dalam perjanjian pembelian aset yang berkaitan; dan

(iii) mana-mana caj perkhidmatan terakru yang timbul dari

perjanjian agensi perkhidmatan.

Garis Panduan

Garis Panduan Dana Amanah Unit dan mana-mana garis panduan dana amanah unit berkaitan yang dikeluarkan oleh SC

Aset Pajakan

Hartanah yang berikut: (i) Menara Prisma; (ii) Menara CP; (iii) Logistics Warehouse; (iv) Wisma Consplant; (v) Tesco Setia Alam; (vi) Hospital Pakar DEMC; (vii) Peremba Square Properties; (viii) Block C, Peremba Square; (ix) Menara BT; (x) Jaya 33; dan (xi) Menara SapuraKencana (xii) OnePrecinct; (xiii) The Shore; (xiv) 1 Sentrum; (xv) Nu Sentral; and (xvi) Gleneagles Hospital (Block B).

Aset Hartanah Aset Pajakan dan/atau apa-apa pemunyaan benefisial lain ke atas aset hartanah lain diperoleh secara benefisial oleh Pemegang Amanah daripada Penaja atau anggota gabungannya selepas tarikh prospektus. Bagi mengelakkan keraguan, naik nilai (atau kerugian) modal yang berkaitan dengan aset hartanah hendaklah, apabila aku janji belian atau aku janji jualan dikuatkuasakan, menjadi milik Penaja atau anggota gabungannya kecuali jika hak Penaja untuk membeli semula kepentingan benefisial dalam aset hartanah pada harga perolehan asal hilang di bawah syarat-syarat dokumen urus niaga.

Pemegang-pemegang Unit Seseorang yang berdaftar buat masa ini sebagai pemegang Unit-unit Dana selaras dengan surat ikatan.

VOF Nilai Dana pada kos, ditentukan dengan menolak nilai liabiliti Dana daripada nilai semua aset Dana

PRODUCT HIGHLIGHTS SHEET

AMANAH HARTANAH BUMIPUTERA

(Established on 20 October 2010)

RESPONSIBILITY STATEMENT

This Product Highlights Sheet has been reviewed and approved by the directors of Maybank Asset Management Sdn Bhd and the directors of Pelaburan Hartanah Berhad and they have collectively and individually accept full responsibility for the accuracy of the information. Having made all reasonable inquiries, they confirm to the best of their knowledge and belief, there are no false or misleading statements or omission of other facts which would make any statement in the Product Highlights Sheet false or misleading.

DISCLAIMER STATEMENT

The Securities Commission Malaysia (“SC”) has authorised the issuance of the Amanah Hartanah Bumiputera and a copy of this Product Highlights Sheet has been lodged with the SC. The authorisation of the Amanah Hartanah Bumiputera and lodgement of this Product Highlights Sheet should not be taken to indicate that the SC recommends the Amanah Hartanah Bumiputera or assumes responsibility for the correctness of any statement made or opinion or report expressed in this Product Highlights Sheet. The SC is not liable for any non-disclosure on the part of Maybank Asset Management Sdn Bhd and Pelaburan Hartanah Berhad who are responsible for the Amanah Hartanah Bumiputera and takes no responsibility for the contents of this Product Highlights Sheet. The SC makes no representation on the accuracy or completeness of this Product Highlights Sheet and expressly disclaims any liability whatsoever arising from, or in reliance upon, the whole or any part of its contents.

SPONSOR MANAGER DISTRIBUTOR

Pelaburan Hartanah Bumiputera Maybank Asset Management Sdn Bhd Malayan Banking Berhad

(732816-U) (421779-M) (3813-K)

TRUSTEE

AmanahRaya Trustees Berhad

(766894-T) *Subject to EPF terms and conditions

The Fund is not a capital guaranteed fund or a capital protected fund as defined under the Guidelines

on Unit Trust Funds issued by the Securities Commission Malaysia.

This Product Highlights Sheet only highlights the key features and risks of the

This Product Highlights Sheet only highlights the key features and risks of the Amanah Hartanah Bumiputera. Investors are advised to request for, read and understand the disclosure documents before deciding to invest.

AMANAH HARTANAH BUMIPUTERA (“AHB”)

1. The salient features of the Fund:

Name of the Fund : Amanah Hartanah Bumiputera (“AHB” or the “Fund”) Deed : The Deed of the Fund dated 20 October 2010, the First Supplemental

Deed dated 5 January 2011, the Second Supplemental Deed dated 13 July 2012, the Third Supplemental Deed dated 11 September 2013, the Fourth Supplemental Deed dated 7 February 2014, the Fifth Supplemental Deed dated 20 March 2015 and any further supplemental deeds to be entered into between the Sponsor, the Manager and the Trustee from time to time

Category of Fund : Real estate backed assets Type of Fund : Income Sponsor : Pelaburan Hartanah Berhad (“Sponsor”) Manager : Maybank Asset Management Sdn Bhd (“Manager”) Trustee : AmanahRaya Trustees Berhad (“Trustee”)

PRODUCT SUITABILITY

2. Who is this product suitable for? The Fund may appeal to investors who: (i) have a long-term investment horizon; (ii) seek capital preservation; (iii) seek regular income; and (iv) have low risk tolerance.

SHARIAH COMPLIANT

3. The Fund has been certified as Shariah-compliant by the panel of Shariah advisers appointed for the Fund and the Shariah Advisory Council of the SC has no objection to the structure of the Fund.

KEY PRODUCT FEATURES

4. What am I investing in? Price per Unit : The price of a unit is fixed at RM1.00 Investment Objective

: The Fund seeks to provide Unit Holders with a regular and consistent income stream whilst preserving Unit Holders’ investment capital

Investment Strategies

: The Fund will seek to achieve its investment objective by investing primarily in the beneficial ownership of real estate in Malaysia acquired from the Sponsor or its affiliates in particular commercial properties including but not limited to office buildings, shopping complexes, commercial centres, logistics and industrial complexes. The Fund will

also invest in Shariah-compliant money market instruments and equivalent instruments and hold cash to meet its liquidity requirements

Assets Allocation : Investments Limits

Investment in beneficial ownership of real estate in Malaysia which are Shariah compliant; and

34% to 100% of the Fund’s VOF may be invested in beneficial ownership of real estate in Malaysia; and

Cash and any other money market instruments which are Shariah-compliant

0% to 66% of the Fund’s VOF may be invested in cash and any other money market instruments

Performance Benchmark

:

12-month General Investment Account-i of Maybank Islamic Berhad

Eligibility : (i) Malaysian Bumiputera: (a) Akaun Dewasa (18 years and above); (b) Akaun Remaja (For minor age three (3) months and above but

below 18 years under the name of a legal guardian. Legal guardian must be 18 years and above. Both legal guardian and minor must be Malaysian Bumiputera);

(ii) Bumiputera institution(Note 1); and (iii) Others as specified by the deed

Note (1):Any sale of units to Bumiputera institution is by invitation from the

Manager, in consultation with the Sponsor.

Approved Fund Size

: 3,500,000,000 units

Distribution Policy

:

Distributions may be made from the income of the Fund at the election of the Manager in consultation with the Sponsor, on a semi-annual basis or at such other times as the Manager in its sole discretion may determine, subject to approval from the Trustee. Only Unit Holders whose names appear on the register of Unit Holders on the entitlement date Note (2) are entitled for the distribution. Note (2): 31 March and 30 September or such other date as may be determined by

the Manager

KEY RISKS

5. Below are the specific risks associated in the products which may cause significant losses if they occur:

Liquidity risk This refers to the ease with which an investment can be disposed at or near its fair value. As the Fund primarily invests in the beneficial ownership of Real Estate Assets, the Fund is exposed to high liquidity risk as it may not be possible to immediately sell the beneficial ownership of the Real Estate Assets at the prevailing market prices.

Profit rate risk Increase in prevailing profit rates will cause the Fund’s investment in money market instruments to decline in value. This loss is however not realised unless the Manager is forced to sell before maturity.

Counterparty The Sponsor or its’ affiliates may not honour its contractual obligations under

risk the transaction documents. These include its obligations to pay the lease rental for the Real Estate Assets, to repurchase the units from the Manager pursuant to a repurchase request by a Unit Holder, and to pay the Exercise Price upon exercise of a purchase undertaking, sale undertaking or substitution undertaking.

Adequacy of coverage

The Lease Assets could suffer physical damage caused by fire, flood, earthquake or other causes or the Sponsor may suffer a public liability claim, which may result in losses (including loss of rent), and may not be fully compensated by takaful. In addition, certain types of risks (such as risk of war and terrorist acts) may be uninsurable or the cost of takaful may be prohibitive when compared to the risk. Should an uninsured loss or a loss in excess of insured limits occur, the Sponsor could lose the anticipated future revenue from that Lease Assets. No assurance can be given that material losses in excess of insurance proceeds will not occur in the future.

Non-registration of the transfer of the Lease Assets

Since the Fund invests in the beneficial ownership of the Real Estate Assets, the Trustee will not become the registered proprietor of the Real Estate Assets unless the Sponsor defaults in its obligation to purchase the beneficial ownership under the purchase undertaking, sale undertaking or substitution undertaking or upon termination of the Fund. In such events, it will become necessary for the Trustee to dispose of any or all of the Real Estate Assets (and in the case where the Real Estate Asset is held under master title, the Trustee may assign its rights as beneficial owner of the Real Estate Assets) and in order to do so the Trustee must be able to either register in its own name or transfer or assign (as the case may be) such Real Estate Assets to a third party purchaser. As part of the assets purchase agreements, the original title deeds and memorandum of transfers (and in the case where the Real Estate Asset is held under master title, the deed of assignment of such Real Estate Asset) (together with documents necessary to effect transfer) have been deposited with the Trustee to hold in escrow and the Trustee has also been appointed as the attorney of the Sponsor under an irrevocable power of attorney. This would permit the Trustee to effect the transfer or assignment of the relevant Real Estate Assets to itself or the third party purchaser.

Risks of non-renewals of Lease Agreements

In the event the lease agreements are not renewed or renewed at a lower rental rate than the present rate, the Fund may lose rental income from the Lease Assets and this may affect the distribution of income to Unit Holders.

Early redemption risks

Your investment may be compulsorily redeemed upon the Sponsor exercising its clean-up option and repurchasing all units not held by the Sponsor when the Sponsor holds in excess of 90% of all units in issue for a continuous period of six (6) months or more.

Shariah non-compliance risk

There is a risk that a currently held Real Estate Asset will be reclassified as Shariah non-compliant upon review by the panel of Shariah advisers. This may occur in the event that the lease rental derived from the activities which are not in accordance with the Shariah principles. Thus, the Fund will not benefit from any lease rental received from the Lease Asset after the reclassification of the Lease Asset. As a result thereof, the lease rental will be channelled to any charitable bodies as advised by the panel of Shariah advisers.

CHARGES AND FEES

6. This table describes the charges that you may directly incur when you buy or sell the units of the Fund:

Charges %/RM

Sales Charge : Currently, the Manager does not impose any sales charge whenever you

buy the units.

Repurchase Charge

: Currently, the Manager does not impose any repurchase charge whenever you sell the units.

7. This table describes the charges that you may indirectly incur when you buy or sell the units of

the Fund:

Fees %/RM

Annual Management Fee

: Up to a maximum of 1.00% per annum of the VOF, calculated and accrued daily, as may be agreed between the Trustee and the Manager.

Annual Trustee Fee

: Up to 0.08% per annum of the VOF, subject to minimum of RM18,000 per annum.

Fund Expenses : Apart from the management fee and trustee fee, there are other annual

expenses involved in running the Fund, including the auditors’ remuneration and other relevant professional fees and costs, bank charges, zakat, Shariah advisory fees, charges and expenses related to the printing and distribution of annual reports and notices, as well as expenses which are directly related to and necessary for the business of the Fund as set out in the deed. These expenses are deducted from the gross income of the Fund. The Trustee shall pay all payments incurred by the Sponsor in respect of the services performed in relation to the Lease Assets (known as service charge amount) under the service agency agreement. The service charge amount is also equivalent to the additional payment payable by the Sponsor to the Trustee (known as supplementary rental) under the lease agreement and the service agency agreement. As the service charge amount and supplementary rental are equal, the Fund will not incur any additional expenses in respect of the service charge amount.

TRANSACTION INFORMATION

8. Minimum Initial Investment

: (i) Individual by cash - 100 units; (ii) Individual under the EPF Members’ Investment Scheme – 1,000 units;

and (iii) Bumiputera institution – 250,000 units(Note 1).

Maximum Investment : (i) Individual - 500,000 units; and

(ii) Bumiputera institution – Up to 50% of the size of the Fund(Note 1). Note: (1) Subject to availability of units.

The Manager has the discretion to vary the limit on investment by any individual and/or Bumiputera institution.

Minimum Additional Investment

: (i) Individual - 50 units; (ii) Individual under the EPF Members’ Investment Scheme – 1,000 units;

and (iii) Bumiputera Institution – to be determined by the Manager and the

Sponsor.

Minimum Balance Requirement

: Unit Holders are required to maintain a minimum balance of 100 units (or 1,000 units if investment made under the EPF Members’ Investment Scheme). In the event a request to repurchase would result in a Unit Holder holding less than the applicable minimum balance, the Manager is entitled to repurchase all the remaining units and to close the Unit Holder’s account.

Minimum Repurchasing of Units/Selling of Units

: (i) Individual - 100 units; and (ii) Bumiputera Institution – to be determined by the Manager and the

Sponsor.

Frequency of Repurchasing of Units

: Once in a calendar month. Please refer to Section 4.3.6 (ii) of the prospectus for further details on frequency of repurchasing of units.

Cooling-off Right : Not applicable.

Payment for Units Repurchased

: (i) Individual – Under the Guidelines, the payment for the repurchasing of units will be made within 10 calendar days upon receipt of repurchase request but the Manager will endeavour to pay on-the-spot. For Unit Holders who subscribed through the EPF Members’ Investment Scheme, payment will be made to their account with EPF only; and

(ii) Bumiputera institution – Payment within 10 calendar days upon receipt of repurchase request.

Distribution Mode : Any distribution from the Fund shall be paid fully in cash to Unit

Holders’ bank account, save for investments made under the EPF Members’ Investment Scheme. In the case of investments in the Fund made under the EPF Members’ Investment Scheme, any distribution will be paid to your account with the EPF.

Switching Policy : Not applicable.

EPF MEMBERS’ INVESTMENT SCHEME 9. The scheme that allows EPF members to invest 20% of the amount in excess of required Basic

Savings in Account 1 through unit trust management company appointed by the Ministry of Finance.

How to invest?

Minimum initial investment RM1,000.00

Maximum Investment The amount that can be invested is 20% of the savings in excess of the Basic savings amount in Account 1 subject to the Fund’s maximum investment limit of RM500,000.00

Frequency of Investment Once every three months

Required basic Savings in Account 1:

Age

Basic Savings that has to be maintained in Accounts 1 (RM)

Age

Basic Savings that has to be maintained in Accounts 1 (RM)

18 1,000 37 54,000

19 2,000 38 59,000

20 4,000 39 64,000

21 5,000 40 69,000

22 7,000 41 76,000

23 9,000 42 81,000

24 11,000 43 88,000

25 13,000 44 95,000

26 15,000 45 102,000

27 18,000 46 109,000

28 21,000 47 117,000

29 24,000 48 125,000

30 27,000 49 134,000

31 30,000 50 143,000

32 34,000 51 153,000

33 37,000 52 163,000

34 41,000 53 174,000

35 46,000 54 185,000

36 50,000 55 196,800

Source: Employees Provident Fund ("EPF")

Example: Karim is 33 years old. From his latest EPF statement, the amount in his Account 1 is RM70,000. According to the above Basic Savings table, his basic savings required in Account 1 is RM37,000. This means he is qualified to withdraw the minimum RM1,000 and maximum RM6,600 from his EPF savings to be invested in unit trusts. Calculation (RM70,000 – RM37,000) x 20% = 6,600 Find Out if You Qualify: Check your account balance at any EPF Smart Retirement Kiosk nationwide by using your Mykad;

or Refer to your latest EPF statement; or Log onto www.kwsp.gov.my if you are an i-Akaun registered user * Please refer to www.kwsp.gov.my for detailed information related to smart Kiosk locations and operating hours.

FREQUENT ASKED QUESTIONS

10. ABOUT AMANAH HARTANAH BUMIPUTERA

1. What is AHB AHB is a Shariah-compliant unit trust fund that invests primarily in the beneficial ownership of commercial properties in prime locations in Malaysia. It has a fund size of 3.5 billion units available to be subscribed by Bumiputera investors at a price of RM1.00 per unit at all Malayan

Banking Berhad (“Maybank”) branches. The Fund is presently backed by eleven prime commercial properties that are already tenanted and are enjoying a steady stream of rental income. It is established to provide opportunity to Bumiputera investors to participate in owning prime commercial properties through the holding of units in AHB as unit holders.

2. What is the investment objective of AHB?

The Fund seeks to provide Unit Holders with a regular and consistent income stream whilst preserving Unit Holders’ investment capital

3. Who are eligible to invest in AHB?

The following persons are eligible to invest in AHB: (i) Malaysian Bumiputera:

(a) Akaun Dewasa (18 years and above); (b) Akaun Remaja (For minor age three (3) months and above but below 18 years under the

name of a legal guardian. Legal guardian must be 18 years and above. Both legal guardian and minor must be Malaysian Bumiputera);

(ii) Bumiputera institution(Note 1); and (iii) Others as specified by the deed Note (1):Any sale of units to Bumiputera institution is by invitation from the Manager, in consultation with

the Sponsor. 4. What are the advantages of investing in AHB?

• The investment is backed by commercial properties in prime locations in Malaysia • AHB is an investment scheme that has been certified as Shariah-compliant • Fund is managed by professional and experienced fund manager • Affordable as it only requires small initial investment • Your rights and interest are closely monitored by the Trustee for the Fund • Long term investment with potentially competitive returns • Extensive Maybank branch network around Malaysia

INVESTING IN AMANAH HARTANAH BUMIPUTERA

11. 1. What should I do if I am interested to invest in AHB units?

You are advised to read and understand the contents of the prospectus of the Fund, which have been registered with the SC, before investing in the Fund. Copies of the prospectus and application forms are available at any of Maybank’s branches in Malaysia.

2. What should I do if I want to purchase AHB units? You can purchase AHB units at any Maybank branch throughout Malaysia on any Business Day during office hours. At the branch you are advised to do the following: • Ask for assistance at the Enquiry Counter • You will be directed to consult a Financial Executive (FE) at the Maybank branch to explain

on the Fund in more detail • Fill in the form “Borang Pendaftaran - Akaun Dewasa” or “Borang Pendaftaran - Akaun

Kanak-Kanak/Remaja” whichever is applicable (Please take note that you will be required to provide a bank account number in the form. This is to facilitate payment of dividend, if any, as the dividend will be paid directly in to your account. Bank account other than Maybank is acceptable but a minimum charge will be imposed to cover transaction cost upon payment of dividend. Alternatively, you can open a new Maybank account at a minimum deposit of RM10)

• Submit the completed form together with your NRIC, or Mykid/ original Birth Certificate (for individuals aged 3 months to 18 years old) and the investment amount in either cash or banker’s cheque at the counter. Subsequently, a validated copy of the “Borang Pendaftaran” will be issued to you as evidence of your investment.

3. How much is unit price of AHB?

The price of a unit is fixed at RM1.00.

4. What are the minimum, maximum and additional investment allowed? The minimum initial investment is RM100 per individual except where the minimum investment for individual under the EPF Members’ Investment Scheme is RM1,000. The minimum initial investment for Bumiputera institution is RM250,000. The maximum investment is RM500,000 per individual. Bumiputera institutions are entitled to up to 50% of the size of the Fund(Note 1). The Manager has the discretion to vary the limit on investment by any individual and/or Bumiputera institution.

Note: (1) Subject to availability of the units. The minimum additional investment for an individual is RM50 except where the minimum additional investment for an individual under the EPF Members’ Investment Scheme is RM1,000. The minimum additional investment for Bumiputera institution is to be determined by the Manager and the Sponsor.

5. What is the minimum amount of redemption?

The minimum redemption amount per individual is RM100. The minimum redemption amount for a Bumiputera institution is to be determined by the Manager and the Sponsor. You can redeem your units by filling in “Borang Jualan Balik” at the counter. (Please take note that the remaining balance in your account must be at least RM100, or RM1,000 if investment is made under the EPF Members’ Investment Scheme. Otherwise you will be required to redeem all of your balance and your account will be closed.)

6. How frequent can I redeem my units? Redemption can only be done once in a calendar month.

7. How do I pay to invest in AHB?

Either by cash, banker’s cheque (Personal cheques will be subjected to cheque clearance) and EPF Members’ Investment Scheme.

8. Will I get a passbook or certificate on my investment upon acceptance of investment in AHB units?

Your investment is evidenced by a validated copy of the “Borang Pendaftaran” at the point of making your purchase of AHB units at Maybank. Your personal data will be captured and maintained via “Maybank Automated Retails System”. A statement shall be issued every six months showing balance of your investment in AHB. In addition, you may also request for your statement to be printed out at any of Maybank’s branches by producing your identity card. However, the statement will not be produced immediately upon your request. Maybank will contact you once the statement is ready for collection.

9. How frequent is the income distribution?

Income distribution (if any) will be made on a semi-annual basis. 10. Can the distributions be reinvested?

Any distribution from the Fund shall be paid fully in cash to Unit Holders’ bank account, save for investments made under the EPF Members’ Investment Scheme. In the case of investments in the Fund made under the EPF Members’ Investment Scheme, any distribution will be paid to your account in EPF.

11. Are there any sales or repurchase fees or charges imposed?

There will be no charges or fees imposed. You can buy and sell the unit at exactly RM1.00 per unit for cash transaction.

12. Is there any maturity period for the Fund?

There is no maturity period for the Fund. The Fund’s tenure is indefinite, subject to the terms of the deed and the transaction documents.

13. Can I transfer the units to my next of kin/ others?

Transfer of units is not permitted, save for the following: (i) transfer to and from the Sponsor; or (ii) transfer to the trustee, administrator or executor of the estate of a deceased Unit Holder who

is entitled to be registered as a Unit Holder in accordance with Section 313 of the Capital Markets and Services Act 2007; or

(iii) transfer to financial institutions which have provided financing to Unit Holders for the purchase of units.

14. Where can I obtain more information on AHB?

You may contact the Manager at 03-2297 7888 or any Maybank branches.

CONTACT INFORMATION

12. Who should I contact for further information or to lodge a complaint? 1. For internal dispute resolution, you may contact:

Maybank Asset Management Sdn Bhd Level 12, Tower C Dataran Maybank No. 1, Jalan Maarof 59000 Kuala Lumpur Tel: 03-2297 7888 Fax: 03-2297 7998 Website: www.maybank-am.com

2. If you are dissatisfied with the outcome of the internal dispute resolution process, please refer

your dispute to the Securities Industry Dispute Resolution Center (“SIDREC”) (a) Via phone to : 03-2282 2280 (b) Via fax to : 03-2282 3855 (c) Via e-mail to : info@sidrec.com.my (d) Via letter to: Securities Industry Dispute Resolution Center (“SIDREC”) Unit A-9-1, Level 9, Tower A Menara UOA Bangsar No. 5, Jalan Bangsar Utama 1 59000 Kuala Lumpur.

3. You can also direct your complaint to the SC even if you initiated a dispute resolution process with

SIDREC. To make a complaint, please contact the SC’s Investor Affairs & Complaints Department: (a) Via phone to Aduan Hotline at: 03-6204 8999 (b) Via fax to : 03-6204 8991 (c) Via e-mail to : aduan@seccom.com.my (d) Via online complaint form available at www.sc.com.my (e) Via letter to: Investor Affairs & Complaints Department Securities Commission Malaysia

3 Persiaran Bukit Kiara

Bukit Kiara 50490 Kuala Lumpur.

GLOSSARY

beneficial ownership The beneficial interest to the Real Estate Assets and shall include all rights attaching to ownership of a real estate asset other than legal ownership. The beneficial interest is however subject to any existing rights (whether registered or otherwise). The Sponsor or its affiliates will continue to be the registered owner of the Real Estate Assets. In the case where the Real Estate Asset is held under master title and the Sponsor or its affiliate is the beneficial owner of the said Real Estate Asset, until such time a separate individual title is issued in favour of the Sponsor or its affiliate, means such beneficial ownership as transferred to the Fund pursuant to the assets purchase agreement. The above is subject to the terms of the transaction documents to which the Sponsor is a party

Business Day A day (excluding Saturday, Sunday and public holiday) on which commercial banks are open for business in Kuala Lumpur and Selangor, Malaysia

EPF The Employees Provident Fund Board, established under the

Employees Provident Fund Act 1991

EPF Members’ Investment

Scheme

Unit Holder’s contribution in the EPF which may be invested in the

Fund subject to the rules and regulations of the EPF

Exercise Price

The purchase consideration for the beneficial ownership of Real Estate Assets which shall be the aggregate of: (i) in respect of Lease Assets, the acquisition price set out in

assets purchase agreements whereby the beneficial interest in the Lease Assets were acquired by the Trustee;

(ii) in respect of Real Estate Assets other than the Lease Assets,

the acquisition price as set out in the relevant asset purchase agreements; and

(iii) any accrued service charge arising from the service agency

agreement

Guidelines The Guidelines on Unit Trust Funds and any other relevant guidelines on unit trust funds issued by the SC

Lease Assets

The following real estates: (i) Menara Prisma; (ii) CP Tower; (iii) Logistics Warehouse; (iv) Wisma Consplant; (v) Tesco Setia Alam; (vi) DEMC Specialist Hospital;

(vii) Peremba Square Properties; (viii) Block C, Peremba Square; (ix) Menara BT; (x) Jaya 33; and (xi) Menara SapuraKencana (xii) One Precinct; (xiii) The Shore; (xiv) 1 Sentrum; (xv) Nu Sentral; and (xvi) Gleneagles Hospital (Block B).

Real Estate Assets The Lease Assets and/or any other beneficial ownership of other real estate asset beneficially acquired by the Trustee from the Sponsor or its affiliates after the date of the prospectus. For the avoidance of doubt, the capital appreciation (or loss) attaching to a real estate asset shall, upon exercise of the purchase undertaking or the sale undertaking, belong to the Sponsor or its affiliates except where the right of the Sponsor to repurchase the beneficial interest of a real estate asset at the original acquisition price is lost under the terms of the transaction documents

Unit Holders The person registered for the time being as a holder of the units in the Fund in accordance with the deed

VOF The value of the Fund at cost, determined by deducting the value of the Fund’s liabilities from the value of all the Fund’s assets

PRODUCT HIGHLIGHTS SHEET

AMANAH HARTANAH BUMIPUTERA

(Established on 20 October 2010)

RESPONSIBILITY STATEMENT

This Product Highlights Sheet has been reviewed and approved by the directors of Maybank Asset Management Sdn Bhd and the directors of Pelaburan Hartanah Berhad and they have collectively and individually accept full responsibility for the accuracy of the information. Having made all reasonable inquiries, they confirm to the best of their knowledge and belief, there are no false or misleading statements or omission of other facts which would make any statement in the Product Highlights Sheet false or misleading.

DISCLAIMER STATEMENT

The Securities Commission Malaysia (“SC”) has authorised the issuance of the Amanah Hartanah Bumiputera and a copy of this Product Highlights Sheet has been lodged with the SC. The authorisation of the Amanah Hartanah Bumiputera and lodgement of this Product Highlights Sheet should not be taken to indicate that the SC recommends the Amanah Hartanah Bumiputera or assumes responsibility for the correctness of any statement made or opinion or report expressed in this Product Highlights Sheet. The SC is not liable for any non-disclosure on the part of Maybank Asset Management Sdn Bhd and Pelaburan Hartanah Berhad who are responsible for the Amanah Hartanah Bumiputera and takes no responsibility for the contents of this Product Highlights Sheet. The SC makes no representation on the accuracy or completeness of this Product Highlights Sheet and expressly disclaims any liability whatsoever arising from, or in reliance upon, the whole or any part of its contents.

SPONSOR MANAGER DISTRIBUTOR

Pelaburan Hartanah Bumiputera Maybank Asset Management Sdn Bhd Malayan Banking Berhad

(732816-U) (421779-M) (3813-K)

TRUSTEE

AmanahRaya Trustees Berhad

(766894-T) *Subject to EPF terms and conditions

The Fund is not a capital guaranteed fund or a capital protected fund as defined under the Guidelines

on Unit Trust Funds issued by the Securities Commission Malaysia.

This Product Highlights Sheet only highlights the key features and risks of the

This Product Highlights Sheet only highlights the key features and risks of the Amanah Hartanah Bumiputera. Investors are advised to request for, read and understand the disclosure documents before deciding to invest.

AMANAH HARTANAH BUMIPUTERA (“AHB”)

1. The salient features of the Fund:

Name of the Fund : Amanah Hartanah Bumiputera (“AHB” or the “Fund”) Deed : The Deed of the Fund dated 20 October 2010, the First Supplemental

Deed dated 5 January 2011, the Second Supplemental Deed dated 13 July 2012, the Third Supplemental Deed dated 11 September 2013, the Fourth Supplemental Deed dated 7 February 2014, the Fifth Supplemental Deed dated 20 March 2015 and any further supplemental deeds to be entered into between the Sponsor, the Manager and the Trustee from time to time

Category of Fund : Real estate backed assets Type of Fund : Income Sponsor : Pelaburan Hartanah Berhad (“Sponsor”) Manager : Maybank Asset Management Sdn Bhd (“Manager”) Trustee : AmanahRaya Trustees Berhad (“Trustee”)

PRODUCT SUITABILITY

2. Who is this product suitable for? The Fund may appeal to investors who: (i) have a long-term investment horizon; (ii) seek capital preservation; (iii) seek regular income; and (iv) have low risk tolerance.

SHARIAH COMPLIANT

3. The Fund has been certified as Shariah-compliant by the panel of Shariah advisers appointed for the Fund and the Shariah Advisory Council of the SC has no objection to the structure of the Fund.

KEY PRODUCT FEATURES

4. What am I investing in? Price per Unit : The price of a unit is fixed at RM1.00 Investment Objective

: The Fund seeks to provide Unit Holders with a regular and consistent income stream whilst preserving Unit Holders’ investment capital

Investment Strategies

: The Fund will seek to achieve its investment objective by investing primarily in the beneficial ownership of real estate in Malaysia acquired from the Sponsor or its affiliates in particular commercial properties including but not limited to office buildings, shopping complexes, commercial centres, logistics and industrial complexes. The Fund will

also invest in Shariah-compliant money market instruments and equivalent instruments and hold cash to meet its liquidity requirements

Assets Allocation : Investments Limits

Investment in beneficial ownership of real estate in Malaysia which are Shariah compliant; and

34% to 100% of the Fund’s VOF may be invested in beneficial ownership of real estate in Malaysia; and

Cash and any other money market instruments which are Shariah-compliant

0% to 66% of the Fund’s VOF may be invested in cash and any other money market instruments

Performance Benchmark

:

12-month General Investment Account-i of Maybank Islamic Berhad

Eligibility : (i) Malaysian Bumiputera: (a) Akaun Dewasa (18 years and above); (b) Akaun Remaja (For minor age three (3) months and above but

below 18 years under the name of a legal guardian. Legal guardian must be 18 years and above. Both legal guardian and minor must be Malaysian Bumiputera);

(ii) Bumiputera institution(Note 1); and (iii) Others as specified by the deed

Note (1):Any sale of units to Bumiputera institution is by invitation from the

Manager, in consultation with the Sponsor.

Approved Fund Size

: 3,500,000,000 units

Distribution Policy

:

Distributions may be made from the income of the Fund at the election of the Manager in consultation with the Sponsor, on a semi-annual basis or at such other times as the Manager in its sole discretion may determine, subject to approval from the Trustee. Only Unit Holders whose names appear on the register of Unit Holders on the entitlement date Note (2) are entitled for the distribution. Note (2): 31 March and 30 September or such other date as may be determined by

the Manager

KEY RISKS

5. Below are the specific risks associated in the products which may cause significant losses if they occur:

Liquidity risk This refers to the ease with which an investment can be disposed at or near its fair value. As the Fund primarily invests in the beneficial ownership of Real Estate Assets, the Fund is exposed to high liquidity risk as it may not be possible to immediately sell the beneficial ownership of the Real Estate Assets at the prevailing market prices.

Profit rate risk Increase in prevailing profit rates will cause the Fund’s investment in money market instruments to decline in value. This loss is however not realised unless the Manager is forced to sell before maturity.

Counterparty The Sponsor or its’ affiliates may not honour its contractual obligations under

risk the transaction documents. These include its obligations to pay the lease rental for the Real Estate Assets, to repurchase the units from the Manager pursuant to a repurchase request by a Unit Holder, and to pay the Exercise Price upon exercise of a purchase undertaking, sale undertaking or substitution undertaking.

Adequacy of coverage

The Lease Assets could suffer physical damage caused by fire, flood, earthquake or other causes or the Sponsor may suffer a public liability claim, which may result in losses (including loss of rent), and may not be fully compensated by takaful. In addition, certain types of risks (such as risk of war and terrorist acts) may be uninsurable or the cost of takaful may be prohibitive when compared to the risk. Should an uninsured loss or a loss in excess of insured limits occur, the Sponsor could lose the anticipated future revenue from that Lease Assets. No assurance can be given that material losses in excess of insurance proceeds will not occur in the future.

Non-registration of the transfer of the Lease Assets

Since the Fund invests in the beneficial ownership of the Real Estate Assets, the Trustee will not become the registered proprietor of the Real Estate Assets unless the Sponsor defaults in its obligation to purchase the beneficial ownership under the purchase undertaking, sale undertaking or substitution undertaking or upon termination of the Fund. In such events, it will become necessary for the Trustee to dispose of any or all of the Real Estate Assets (and in the case where the Real Estate Asset is held under master title, the Trustee may assign its rights as beneficial owner of the Real Estate Assets) and in order to do so the Trustee must be able to either register in its own name or transfer or assign (as the case may be) such Real Estate Assets to a third party purchaser. As part of the assets purchase agreements, the original title deeds and memorandum of transfers (and in the case where the Real Estate Asset is held under master title, the deed of assignment of such Real Estate Asset) (together with documents necessary to effect transfer) have been deposited with the Trustee to hold in escrow and the Trustee has also been appointed as the attorney of the Sponsor under an irrevocable power of attorney. This would permit the Trustee to effect the transfer or assignment of the relevant Real Estate Assets to itself or the third party purchaser.

Risks of non-renewals of Lease Agreements

In the event the lease agreements are not renewed or renewed at a lower rental rate than the present rate, the Fund may lose rental income from the Lease Assets and this may affect the distribution of income to Unit Holders.

Early redemption risks

Your investment may be compulsorily redeemed upon the Sponsor exercising its clean-up option and repurchasing all units not held by the Sponsor when the Sponsor holds in excess of 90% of all units in issue for a continuous period of six (6) months or more.

Shariah non-compliance risk

There is a risk that a currently held Real Estate Asset will be reclassified as Shariah non-compliant upon review by the panel of Shariah advisers. This may occur in the event that the lease rental derived from the activities which are not in accordance with the Shariah principles. Thus, the Fund will not benefit from any lease rental received from the Lease Asset after the reclassification of the Lease Asset. As a result thereof, the lease rental will be channelled to any charitable bodies as advised by the panel of Shariah advisers.

CHARGES AND FEES

6. This table describes the charges that you may directly incur when you buy or sell the units of the Fund:

Charges %/RM

Sales Charge : Currently, the Manager does not impose any sales charge whenever you

buy the units.

Repurchase Charge

: Currently, the Manager does not impose any repurchase charge whenever you sell the units.

7. This table describes the charges that you may indirectly incur when you buy or sell the units of

the Fund:

Fees %/RM

Annual Management Fee

: Up to a maximum of 1.00% per annum of the VOF, calculated and accrued daily, as may be agreed between the Trustee and the Manager.

Annual Trustee Fee

: Up to 0.08% per annum of the VOF, subject to minimum of RM18,000 per annum.

Fund Expenses : Apart from the management fee and trustee fee, there are other annual

expenses involved in running the Fund, including the auditors’ remuneration and other relevant professional fees and costs, bank charges, zakat, Shariah advisory fees, charges and expenses related to the printing and distribution of annual reports and notices, as well as expenses which are directly related to and necessary for the business of the Fund as set out in the deed. These expenses are deducted from the gross income of the Fund. The Trustee shall pay all payments incurred by the Sponsor in respect of the services performed in relation to the Lease Assets (known as service charge amount) under the service agency agreement. The service charge amount is also equivalent to the additional payment payable by the Sponsor to the Trustee (known as supplementary rental) under the lease agreement and the service agency agreement. As the service charge amount and supplementary rental are equal, the Fund will not incur any additional expenses in respect of the service charge amount.

TRANSACTION INFORMATION

8. Minimum Initial Investment

: (i) Individual by cash - 100 units; (ii) Individual under the EPF Members’ Investment Scheme – 1,000 units;

and (iii) Bumiputera institution – 250,000 units(Note 1).

Maximum Investment : (i) Individual - 500,000 units; and

(ii) Bumiputera institution – Up to 50% of the size of the Fund(Note 1). Note: (1) Subject to availability of units.

The Manager has the discretion to vary the limit on investment by any individual and/or Bumiputera institution.

Minimum Additional Investment

: (i) Individual - 50 units; (ii) Individual under the EPF Members’ Investment Scheme – 1,000 units;

and (iii) Bumiputera Institution – to be determined by the Manager and the

Sponsor.

Minimum Balance Requirement

: Unit Holders are required to maintain a minimum balance of 100 units (or 1,000 units if investment made under the EPF Members’ Investment Scheme). In the event a request to repurchase would result in a Unit Holder holding less than the applicable minimum balance, the Manager is entitled to repurchase all the remaining units and to close the Unit Holder’s account.

Minimum Repurchasing of Units/Selling of Units

: (i) Individual - 100 units; and (ii) Bumiputera Institution – to be determined by the Manager and the

Sponsor.

Frequency of Repurchasing of Units

: Once in a calendar month. Please refer to Section 4.3.6 (ii) of the prospectus for further details on frequency of repurchasing of units.

Cooling-off Right : Not applicable.

Payment for Units Repurchased

: (i) Individual – Under the Guidelines, the payment for the repurchasing of units will be made within 10 calendar days upon receipt of repurchase request but the Manager will endeavour to pay on-the-spot. For Unit Holders who subscribed through the EPF Members’ Investment Scheme, payment will be made to their account with EPF only; and

(ii) Bumiputera institution – Payment within 10 calendar days upon receipt of repurchase request.

Distribution Mode : Any distribution from the Fund shall be paid fully in cash to Unit

Holders’ bank account, save for investments made under the EPF Members’ Investment Scheme. In the case of investments in the Fund made under the EPF Members’ Investment Scheme, any distribution will be paid to your account with the EPF.

Switching Policy : Not applicable.

EPF MEMBERS’ INVESTMENT SCHEME 9. The scheme that allows EPF members to invest 20% of the amount in excess of required Basic

Savings in Account 1 through unit trust management company appointed by the Ministry of Finance.

How to invest?

Minimum initial investment RM1,000.00

Maximum Investment The amount that can be invested is 20% of the savings in excess of the Basic savings amount in Account 1 subject to the Fund’s maximum investment limit of RM500,000.00

Frequency of Investment Once every three months

Required basic Savings in Account 1:

Age

Basic Savings that has to be maintained in Accounts 1 (RM)

Age

Basic Savings that has to be maintained in Accounts 1 (RM)

18 1,000 37 54,000

19 2,000 38 59,000

20 4,000 39 64,000

21 5,000 40 69,000

22 7,000 41 76,000

23 9,000 42 81,000

24 11,000 43 88,000

25 13,000 44 95,000

26 15,000 45 102,000

27 18,000 46 109,000

28 21,000 47 117,000

29 24,000 48 125,000

30 27,000 49 134,000

31 30,000 50 143,000

32 34,000 51 153,000

33 37,000 52 163,000

34 41,000 53 174,000

35 46,000 54 185,000

36 50,000 55 196,800

Source: Employees Provident Fund ("EPF")

Example: Karim is 33 years old. From his latest EPF statement, the amount in his Account 1 is RM70,000. According to the above Basic Savings table, his basic savings required in Account 1 is RM37,000. This means he is qualified to withdraw the minimum RM1,000 and maximum RM6,600 from his EPF savings to be invested in unit trusts. Calculation (RM70,000 – RM37,000) x 20% = 6,600 Find Out if You Qualify: Check your account balance at any EPF Smart Retirement Kiosk nationwide by using your Mykad;

or Refer to your latest EPF statement; or Log onto www.kwsp.gov.my if you are an i-Akaun registered user * Please refer to www.kwsp.gov.my for detailed information related to smart Kiosk locations and operating hours.

FREQUENT ASKED QUESTIONS

10. ABOUT AMANAH HARTANAH BUMIPUTERA

1. What is AHB AHB is a Shariah-compliant unit trust fund that invests primarily in the beneficial ownership of commercial properties in prime locations in Malaysia. It has a fund size of 3.5 billion units available to be subscribed by Bumiputera investors at a price of RM1.00 per unit at all Malayan

Banking Berhad (“Maybank”) branches. The Fund is presently backed by eleven prime commercial properties that are already tenanted and are enjoying a steady stream of rental income. It is established to provide opportunity to Bumiputera investors to participate in owning prime commercial properties through the holding of units in AHB as unit holders.

2. What is the investment objective of AHB?

The Fund seeks to provide Unit Holders with a regular and consistent income stream whilst preserving Unit Holders’ investment capital

3. Who are eligible to invest in AHB?

The following persons are eligible to invest in AHB: (i) Malaysian Bumiputera:

(a) Akaun Dewasa (18 years and above); (b) Akaun Remaja (For minor age three (3) months and above but below 18 years under the

name of a legal guardian. Legal guardian must be 18 years and above. Both legal guardian and minor must be Malaysian Bumiputera);

(ii) Bumiputera institution(Note 1); and (iii) Others as specified by the deed Note (1):Any sale of units to Bumiputera institution is by invitation from the Manager, in consultation with

the Sponsor. 4. What are the advantages of investing in AHB?

• The investment is backed by commercial properties in prime locations in Malaysia • AHB is an investment scheme that has been certified as Shariah-compliant • Fund is managed by professional and experienced fund manager • Affordable as it only requires small initial investment • Your rights and interest are closely monitored by the Trustee for the Fund • Long term investment with potentially competitive returns • Extensive Maybank branch network around Malaysia

INVESTING IN AMANAH HARTANAH BUMIPUTERA

11. 1. What should I do if I am interested to invest in AHB units?

You are advised to read and understand the contents of the prospectus of the Fund, which have been registered with the SC, before investing in the Fund. Copies of the prospectus and application forms are available at any of Maybank’s branches in Malaysia.

2. What should I do if I want to purchase AHB units? You can purchase AHB units at any Maybank branch throughout Malaysia on any Business Day during office hours. At the branch you are advised to do the following: • Ask for assistance at the Enquiry Counter • You will be directed to consult a Financial Executive (FE) at the Maybank branch to explain

on the Fund in more detail • Fill in the form “Borang Pendaftaran - Akaun Dewasa” or “Borang Pendaftaran - Akaun

Kanak-Kanak/Remaja” whichever is applicable (Please take note that you will be required to provide a bank account number in the form. This is to facilitate payment of dividend, if any, as the dividend will be paid directly in to your account. Bank account other than Maybank is acceptable but a minimum charge will be imposed to cover transaction cost upon payment of dividend. Alternatively, you can open a new Maybank account at a minimum deposit of RM10)

• Submit the completed form together with your NRIC, or Mykid/ original Birth Certificate (for individuals aged 3 months to 18 years old) and the investment amount in either cash or banker’s cheque at the counter. Subsequently, a validated copy of the “Borang Pendaftaran” will be issued to you as evidence of your investment.

3. How much is unit price of AHB?

The price of a unit is fixed at RM1.00.

4. What are the minimum, maximum and additional investment allowed? The minimum initial investment is RM100 per individual except where the minimum investment for individual under the EPF Members’ Investment Scheme is RM1,000. The minimum initial investment for Bumiputera institution is RM250,000. The maximum investment is RM500,000 per individual. Bumiputera institutions are entitled to up to 50% of the size of the Fund(Note 1). The Manager has the discretion to vary the limit on investment by any individual and/or Bumiputera institution.

Note: (1) Subject to availability of the units. The minimum additional investment for an individual is RM50 except where the minimum additional investment for an individual under the EPF Members’ Investment Scheme is RM1,000. The minimum additional investment for Bumiputera institution is to be determined by the Manager and the Sponsor.

5. What is the minimum amount of redemption?

The minimum redemption amount per individual is RM100. The minimum redemption amount for a Bumiputera institution is to be determined by the Manager and the Sponsor. You can redeem your units by filling in “Borang Jualan Balik” at the counter. (Please take note that the remaining balance in your account must be at least RM100, or RM1,000 if investment is made under the EPF Members’ Investment Scheme. Otherwise you will be required to redeem all of your balance and your account will be closed.)

6. How frequent can I redeem my units? Redemption can only be done once in a calendar month.

7. How do I pay to invest in AHB?

Either by cash, banker’s cheque (Personal cheques will be subjected to cheque clearance) and EPF Members’ Investment Scheme.

8. Will I get a passbook or certificate on my investment upon acceptance of investment in AHB units?

Your investment is evidenced by a validated copy of the “Borang Pendaftaran” at the point of making your purchase of AHB units at Maybank. Your personal data will be captured and maintained via “Maybank Automated Retails System”. A statement shall be issued every six months showing balance of your investment in AHB. In addition, you may also request for your statement to be printed out at any of Maybank’s branches by producing your identity card. However, the statement will not be produced immediately upon your request. Maybank will contact you once the statement is ready for collection.

9. How frequent is the income distribution?

Income distribution (if any) will be made on a semi-annual basis. 10. Can the distributions be reinvested?

Any distribution from the Fund shall be paid fully in cash to Unit Holders’ bank account, save for investments made under the EPF Members’ Investment Scheme. In the case of investments in the Fund made under the EPF Members’ Investment Scheme, any distribution will be paid to your account in EPF.

11. Are there any sales or repurchase fees or charges imposed?

There will be no charges or fees imposed. You can buy and sell the unit at exactly RM1.00 per unit for cash transaction.

12. Is there any maturity period for the Fund?

There is no maturity period for the Fund. The Fund’s tenure is indefinite, subject to the terms of the deed and the transaction documents.

13. Can I transfer the units to my next of kin/ others?

Transfer of units is not permitted, save for the following: (i) transfer to and from the Sponsor; or (ii) transfer to the trustee, administrator or executor of the estate of a deceased Unit Holder who

is entitled to be registered as a Unit Holder in accordance with Section 313 of the Capital Markets and Services Act 2007; or

(iii) transfer to financial institutions which have provided financing to Unit Holders for the purchase of units.

14. Where can I obtain more information on AHB?

You may contact the Manager at 03-2297 7888 or any Maybank branches.

CONTACT INFORMATION

12. Who should I contact for further information or to lodge a complaint? 1. For internal dispute resolution, you may contact:

Maybank Asset Management Sdn Bhd Level 12, Tower C Dataran Maybank No. 1, Jalan Maarof 59000 Kuala Lumpur Tel: 03-2297 7888 Fax: 03-2297 7998 Website: www.maybank-am.com

2. If you are dissatisfied with the outcome of the internal dispute resolution process, please refer

your dispute to the Securities Industry Dispute Resolution Center (“SIDREC”) (a) Via phone to : 03-2282 2280 (b) Via fax to : 03-2282 3855 (c) Via e-mail to : info@sidrec.com.my (d) Via letter to: Securities Industry Dispute Resolution Center (“SIDREC”) Unit A-9-1, Level 9, Tower A Menara UOA Bangsar No. 5, Jalan Bangsar Utama 1 59000 Kuala Lumpur.

3. You can also direct your complaint to the SC even if you initiated a dispute resolution process with

SIDREC. To make a complaint, please contact the SC’s Investor Affairs & Complaints Department: (a) Via phone to Aduan Hotline at: 03-6204 8999 (b) Via fax to : 03-6204 8991 (c) Via e-mail to : aduan@seccom.com.my (d) Via online complaint form available at www.sc.com.my (e) Via letter to: Investor Affairs & Complaints Department Securities Commission Malaysia

3 Persiaran Bukit Kiara

Bukit Kiara 50490 Kuala Lumpur.

GLOSSARY

beneficial ownership The beneficial interest to the Real Estate Assets and shall include all rights attaching to ownership of a real estate asset other than legal ownership. The beneficial interest is however subject to any existing rights (whether registered or otherwise). The Sponsor or its affiliates will continue to be the registered owner of the Real Estate Assets. In the case where the Real Estate Asset is held under master title and the Sponsor or its affiliate is the beneficial owner of the said Real Estate Asset, until such time a separate individual title is issued in favour of the Sponsor or its affiliate, means such beneficial ownership as transferred to the Fund pursuant to the assets purchase agreement. The above is subject to the terms of the transaction documents to which the Sponsor is a party

Business Day A day (excluding Saturday, Sunday and public holiday) on which commercial banks are open for business in Kuala Lumpur and Selangor, Malaysia

EPF The Employees Provident Fund Board, established under the

Employees Provident Fund Act 1991

EPF Members’ Investment

Scheme

Unit Holder’s contribution in the EPF which may be invested in the

Fund subject to the rules and regulations of the EPF

Exercise Price

The purchase consideration for the beneficial ownership of Real Estate Assets which shall be the aggregate of: (i) in respect of Lease Assets, the acquisition price set out in

assets purchase agreements whereby the beneficial interest in the Lease Assets were acquired by the Trustee;

(ii) in respect of Real Estate Assets other than the Lease Assets,

the acquisition price as set out in the relevant asset purchase agreements; and

(iii) any accrued service charge arising from the service agency

agreement

Guidelines The Guidelines on Unit Trust Funds and any other relevant guidelines on unit trust funds issued by the SC

Lease Assets

The following real estates: (i) Menara Prisma; (ii) CP Tower; (iii) Logistics Warehouse; (iv) Wisma Consplant; (v) Tesco Setia Alam; (vi) DEMC Specialist Hospital;

(vii) Peremba Square Properties; (viii) Block C, Peremba Square; (ix) Menara BT; (x) Jaya 33; and (xi) Menara SapuraKencana (xii) One Precinct; (xiii) The Shore; (xiv) 1 Sentrum; (xv) Nu Sentral; and (xvi) Gleneagles Hospital (Block B).

Real Estate Assets The Lease Assets and/or any other beneficial ownership of other real estate asset beneficially acquired by the Trustee from the Sponsor or its affiliates after the date of the prospectus. For the avoidance of doubt, the capital appreciation (or loss) attaching to a real estate asset shall, upon exercise of the purchase undertaking or the sale undertaking, belong to the Sponsor or its affiliates except where the right of the Sponsor to repurchase the beneficial interest of a real estate asset at the original acquisition price is lost under the terms of the transaction documents

Unit Holders The person registered for the time being as a holder of the units in the Fund in accordance with the deed

VOF The value of the Fund at cost, determined by deducting the value of the Fund’s liabilities from the value of all the Fund’s assets