Please be informed that there will be a revision/additional term to the General Terms & Conditions Governing Banking Accounts for Islamic Banking which shall be applicable to and binding all new and existing accounts maintained under the contract of Mudharabah. The revised/additional term will be effective from 16 April 2012.

The accounts affected are as below:

• imteen-i
• net Current Account-i
• Yippie-i
• Golden Savers Saving Account-i
• Premier Mudharabah Account-i (Minor / Trust)
• Foreign Currency Account-i
• Premier Mudharabah Account-i (Individual / Joint / SME & BB)
• General Investment Account-i

The revised/additional term is:

"All parties agree that the indicative dividend rate disclosed by the Bank from time to time to the Customer is the return expected by the Customer under the Mudharabah venture ("Expected Return"). Any profit derived from the Mudharabah venture shall be distributed to the Customer based on the Profit Sharing Ratio. Notwithstanding the foregoing or anything herein contained, the Customer hereby agrees that any excess over the Expected Return shall be waived by the Customer and be retained by the Bank as an incentive fee. Hibah may be granted by the Bank at its absolute discretion to the Customer in the event there is any shortfall between the Expected Return and the actual profit generated from the Mudharabah venture."

For more information please call 1300 88 6688 or visit your nearest Maybank Islamic branch. Maybank Islamic branches are also co-located in all Maybank branches.

Thank you for banking with Maybank Islamic Berhad.