We are pleased to bring to you A-Excel ~

• a regular contribution Family Takaful Endowment Plan which 
• provides a combination of Takaful Protection and Savings. A-Excel is also the 1st Family Takaful Endowment plan with 
• earliest cash payout in the market, start from 2nd year onwards.

KEY HIGHLIGHT OF A-EXCEL

§      A packaged product consisting Endowment Plan and Survival Benefit Rider.

§      The Best Takaful Savings Plan in the market - 10% Cash Payout of the basic sum covered paid every end of two certificate years until certificate maturity at year 20

§      Protection Benefit – Death Benefit & Total and Permanent Disability (TPD) Benefit

§      Hibah – added distribution benefit for A-Excel and not subjected to the limitation as Faraid and Wasiyah*. The owner of the certificate has the flexibility to transfer the certificate without beneficiary's consent in his/her lifetime.

§      Various riders available to complement your protection needs - Enhanced Advance Payment Waiver of Contribution, Critical Illness Waiver of Contribution, Contributor's Benefit and Contributor's Benefit (Critical Illness)

Example:
Gender: Male
Age: 30
Non-smoker
Sum Covered: RM500,000
Yearly Contribution: RM66,600.00
Survival Benefit Option : Withdraw

He will be receiving 10% of 500,000 = 50,000 for every end of 2 year certificate. Meaning that upon maturity will be receiving the following :

10 times of 50K =  RM500K	plus Cash Surrender Value of RM1,058,683  which equivalent to 1,558,683.

plus death benefits of 500,000.

So you will be a millionaire after 20 years.

Features and Benefits
	Absolutely Free For Life - Experience year after year of financial freedom with no joining or annual fees, ever
	2% Rebates – Enjoy 2% rebates everytime you spend at PETRONAS stations and Mesra outlets or get 0.5% rebate on all other retail transactions
	Rebate Offers – Watch out for our rebate offers from time to time and enjoy all these exclusive rewards!
	Secure e-pay – A new online payment service for internet purchases, which is safe, secure and convenient.
	Exclusive Discount & Privileges – Enjoy special privileges and discounts all year round at over 500 outlets
	Up to RM 500,000 Travel Takaful - Travel to any destination in the world with your loved ones, with Takaful coverage and peace of mind.
	PETRONAS Mesra Loyalty Programme – Earn more points with the PETRONAS Mesra card and redeem for great items from PETRONAS Mesra Loyalty Programme.
	Ujrah Concept - Payment in exchange for services , benefits and privileges offered to the cardholders

Income              :    Gold card : RM24,000 per annum
Minimum age     :    Principal : 21 years old
Supplementary   : 18 years old
Citizenship         :    Malaysian
Documents required (non-returnable)     :
A photocopy of IC both sides, including Supplementary applicant's
Latest salary slips/ EA Form / Form BE or B & income tax receipt / EPF

if self-employed, copies of
    Business Registration Certificate or Form 9 / 24 / 49
    Last 3 months business bank statements

Note: Additional credit cards will share a combined credit line.

• 0.5% cash back on all retail spending anywhere
• 1st year annual fee waived. Subsequently, annual fee is waived subjected to 12 or more transactions registered per year
• HSBC Amanah Balance Transfer Plan from as low as 6.99% for 12 months*
• Discounts and offers from over 3,000 HSBC Amanah SmartPrivileges participating merchants nationwide
• Worldwide discounts and offers from over 10,000 HSBC Amanah home&Away participating merchants in 25 countries
• HSBC Amanah 0% Instalment Plan up to 12 months
• 1st year annual fee waiver for Supplementary card
• HSBC Amanah Auto-bill payment
• SMS balance enquiries (excluding Cash Back)
• Takaful Cards Protector with up to RM100,000 sum covered on credit protection (optional)

Eligibility: 21 – 65 years with minimum annual income of RM24,000 

MPower Visa Platinum Credit Card-i

To qualify for MPower Visa Platinum Credit Card-, you must be earning a minimum or RM36,000 per annum and be 21 years of age

Unit Trust

Unit Trust is an investment scheme that pools money from many investors who share similar financial objectives, investment strategy and risk tolerance.
The pooled fund will then be invested by professional investment management companies in a diversified portfolio of authorized investments, on behalf of investors.
Authorized investments are Securities Commission (SC) approved stocks, bonds, commercial papers, government securities, treasury bills which includes direct business ventures, unquoted securities, foreign securities etc.

• Type of Funds

There are various types of fund with different objectives, investment strategies and level of risk involved. To determine the types of fund that are suitable for you, you need to consider the following factors:

1. What are your investment goals?
2. How long do you plan to invest?
3. What kind of returns are you looking for?
4. What is the risk level you can tolerate?

Generally, there are the few types of unit trust fund available in the market:

Equity Fund	Invests mainly in shares traded on either local and or foreign stock exchange, with high risk level
Balanced Fund	Invests equally in equities and fixed income instruments (bond & money market), with moderate risk level
Bond Fund	Invests mainly in bonds & other debt securities, with low risk level
Money Market Fund	Invests mainly in money market instruments (short-term treasury bills that are generally not accessible to individual investors), with low risk level
Structured Fund	Invests mainly in structured notes that acquire highly rated zero coupon securities that are sufficient to repay 100% of the principal amount of the structured notes on maturity date (normally 3 years). The net proceeds from the structured notes are first allocated for the purchase of zero coupon securities whilst the balance goes into the fund investment with objectives to generate returns

I want to invest in Unit Trust, Please Contact Me

48hrs/2days Approval & Flat Rate Interest Only 0.8 Per Month!


Hong Leong Islamic Personal Loan is an unsecured personal loan there for your marriage,holiday,festive seasons,medical treatment,education purpose,home renovation,debt consolidation,temporary cash flow in business and down payment for dream home or car.

>> Umur 21 - 60 Tahun

>> Keuntungan 0.8 per month

>> Net salary + fixed allowance untuk:
~ Swasta RM 2000 ke atas dan
~ Kerajaan RM 4000 ke atas

- Jumlah pinjaman yang ditawarkan dari RM 5K - RM 250K

- Ada 20% pulangan tunai setiap bulan bermula bulan ke 8 sehingga 5 bulan terakhir.

- Tidak perlu cagaran dan juga penjamin.

- Proses tidak dikenakan caj.

- Proses boleh dilakukan melalui email & fax.

- Bermula dari RM60K dan ke atas akan mendapat free gift iaitu iPad 2.

- Early settlement ( x pending )

- Kelulusan 48 jam

- Kad krdt melebihi RM 5K & penggunaan melebihi 1 tahun ada outstanding balance kita boleh overlapkan dengan personal loan juga.

 TAWARAN pembiayaan Al Rajhi Bank kepada semua pekerja swasta, peniaga berdaftar, pemegang kad kredit dari mana-mana bank

Pembiayaan peribadi untuk memenuhi keperluan anda :
Pengubahsuaian rumah; Memenuhi percutian anda sekeluarga; Pembiayaan pendidikan anak anda; Perbelanjaan perubatan; Perbelanjaan perkahwinan dan sebagainya..

KEISTIMEWAAN :
- Kelulusan dalam tempoh 3-7 hari waktu bekerja selepas submit borang permohonan.
- Pembiayaan sehingga 5 X gaji kasar / RM150,000 (yang mana lebih rendah)
- FLEKSIBEL - Tempoh bayaran sehingga 5 tahun (7 tahun untuk syarikat terpilih)
- TANPA penjamin
- TIADA penalti untuk pembayaran lewat / penjelasan awal.
- Rate 7.25% setahun
- Kadar yang mampu anda bayar serendah RM119 sebulan.
- Mematuhi prinsip SYARIAH SEPENUHNYA.


KELAYAKAN:
- Terbuka kepada semua warga Malaysia berumur 21 tahun ke atas 
- Bekerja di sektor swasta, bank mahupun di sektor kerajaan.
- Gaji pokok minimum RM2000(basic + elaun tetap)
- Telah bekerja setahun dan ke atas.
- Nama tidak blacklist.

DOKUMEN :
- Salinan MyKad (depan belakang 1 muka surat)
- Salinan Penyata gaji 3 bulan (disahkan majikan)
- Penyata bank 3 bulan (gaji masuk) (disahkan)
- Penyata EPF
- Surat Pengesahan Majikan