DBF6D HOME FINANCING AND SAVINGS ACCOUNT

KOLEJ PROFESIONAL MARA BANDAR MELAKA
GROUP ASSIGNMENT
SESI 1/2021

_______________________________________________________
TOPIC: SOURCES OF FUND AND USES OF FUND

Course Details : FIN 3513
Course Code : BANKING OPERATION AND PRACTICES
Course Name : DIPLOMA IN ISLAMIC BANKING AND FINANCE
Program : SESI 1/2021
Semester : PUAN NOOR AISYAH BINTI OTHMAN
Lecturer’s Name : SAVING ACCOUNT
Sources of Funds : HOME FINANCING
Uses of Funds

Assignment Details : 26 APRIL 2021
Submission Date

Student’s Details

NAME ID NUMBER
NURFARHAH HANIS BINTI HAMRAN BMF19-06-003
NUR ALYA BATRISYIA BINTI MOHAMED ALIMI BMF19-06-001
FAHIMAH BINTI MOHAMAD KAMAL BMF19-06-010
BMF19-06-056
HAZIQ BIN MAARUS BMF19-06-058
MUHAMMAD ZULHILMI BIN MAT ISA

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TABLE OF CONTENTS

CONTENTS PAGES
Front Page 1
Table of Content 2
Acknowledgement 3
Introduction of the assignment 4
Content
References 5-22
Appendix 23-24
25-29

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ACKNOWLEDGEMENT

First and foremost, All praises to Allah and His blessing for the completion of this
assignment. We thank God for all the opportunities, trials and strength that we have been
through on completing this assignment. We experienced so much during this process, not only
from the academic aspect but also from the aspect of personality. Our humblest gratitude to
the holy Prophet Muhammad (Peace be upon him) whose way of life has been a continuous
guidance for us.

We would like to express our deep and sincere gratitude to our lecturer Puan Noor
Aisyah Binti Othman who gave us the opportunity who gave me the golden opportunity to do
this wonderful project on the topic Sources of Fund and Uses of Fund, which also helped us
in doing a lot of Research and as a result, we came to know about so many new things and
we are really thankful to them. It was a great privilege and honour work and study under her
guidance. We are extremely thankful for the opportunity that she gave.

The completion on this assignment could not have been accomplished without the
support of our classmates. Our thanks and appreciation also go to our batchmates and people
who have willingly helped us out with their abilities.

Lastly, our deepest gratitude goes to all of our family members. It would not be
possible to complete this assignment without the support and understanding from them since
we are learning from home.
May Allah shower the above cited personalities with success and honour in their life.

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INTRODUCTION

In chapter 3 we have learned about sources of funds where deposit funds and
investment funds are used to provide financing to consumers in today's Islamic banking
operations. The deposit funds are for saving or safekeeping and guarantee redemption of the
amount deposited, while the investment funds are to be invested with no guarantee of benefit
or return of principal. Meanwhile, in chapter 4 we have learned about uses of funds which
involved of two main sectors named retail financing and corporate financing. For this
assignment we have conducted research on the differences between saving account for
conventional bank and Islamic bank. We also do a research about the differences of home
financing for conventional bank and Islamic bank.

Saving account is a common type of bank account that lets you deposit money, keep
it secure, and withdraw it while earning interest or hibah. It does not have a maturity date,
therefore, the money can be withdrawn whenever the customer wants it. In Islamic Financial
institutions, saving account is based on Shariah Principals such as in the form of Qard, Wadi’ah
Yad Dhamanah or Mudarabah Savings Deposit.

Home financing is financing in which bank provides customer a loan, allowing them to
purchase all types of residential properties such as houses, flats, apartments or
condominiums. It may also be used to refinance current loans or existing facilities taken either
from conventional home loans or any home financing-i schemes.

In this assignment we have chosen Maybank Basic Savings Account-I (Islamic Bank)
and Affin Bank Basic Savings (Conventional Bank) for saving account. For home loan, we
chose Maybank Commodity Murabahah Home Financing-I (Islamic Bank) and Affin Bank Home
Flexi Plus (Conventional Bank).

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DIFFERENCES BETWEEN SAVING ACCONT MAYBANK AND AFFIN BANK.
PRODUCT’S NAME: MAYBANK BASIC SAVINGS ACCOUNT-I
(ISLAMIC BANK)
VS
AFFIN BANK BASIC SAVINGS
(CONVENTIONAL BANK)

CONCEPT

Maybank Basic Savings Account-i is a simple and hassle free Shariah compliant savings
account that carries minimal costs. It comes along with free easy-to-read mini statements.
Plus, you may be rewarded up to 1.75% p.a. Hibah every year regardless of any amount
saved. For Maybank, it uses profit-rate term. Below are your earnings based on the amount
that you have in your account:

Minimum Amount Maximum Amount Profit Rate

RM20 RM100,000 0.25% p.a.

RM100,001 RM200,000 0.25% p.a.

RM200,001 RM500,000 0.25% p.a.

RM500,001 No Maximum 0.25% p.a.

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Meanwhile for Affin Bank Basic Saving Account, with initial deposit as low as RM20,
you can enjoy the benefits of high interest rates, free of charge selected internet banking
transactions, debit card facility and quarterly statement. Plus, for Affin, since it conventional
so it uses interest-rate term. Below are your earnings based on the amount that you have in
your account:

Minimum Amount Maximum Amount Interest Rate
RM1 RM999 0.15% p.a.
RM1,000 RM4,999 0.25% p.a.
RM5,000 RM19,999 0.35% p.a.
RM20,000 RM99,999 0.40% p.a.
RM100,000 RM499,999 0.60% p.a.
RM500,000 RM999,999 0.80% p.a.
RM1,000,000 No Maximum 1.10% p.a.

OPENING OF ACCOUNTS

These Terms and Conditions, as well as any other particular conditions that may be
applicable to Savings Accounts with special features as set out in the Specific Terms, govern
the opening of the Savings Account. By opening the Savings Account, you declare your
commitment to follow and be bound by these Terms and Conditions. The Bank's current
Specific Terms, which may be modified or revised from time to time by the Bank with twenty-
one (21) days' notice prior to the date on which the reform or amendment will take effect.

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DEPOSITS AND WITHDRAWALS
DEPOSIT

• The pay-in slip (PIS) will either be computer checked, date-stamped, or manually
collected under the signature of an authorised officer of the Bank after the Bank
accepts a deposit.

• The bank has provided a special facility which is cash Deposit Machine (CDM) and
Cheque Deposit Machine (CQM).

• Every deposit should be deemed to have been made if verified by the bank staff and
duly cleared.
WITHDRAWALS

• Over the counter
• During banking hours at the Branches where the account is maintained.
• At any Branches of the Bank subject to any terms and conditions as may

be imposed by the Bank.
• Through the Automated Teller Machine (ATM). Customer hereby agrees

that any withdrawals via the ATM shall be in accordance with the terms and conditions.

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FEATURES

There are three similar features between Maybank Basic Savings Account-i and Affin
Bank Basic Saving Account which are they have online banking, PIDM protected and also
provide ATM Card.

MAYBANK

Maybank have 2 extra features which are it provide mobile app and also have reward points.

Online Banking Maybank2u
Mobile App
• Android
• IOS

Reward Points Treats Points
PIDM Protected Up to RM250,000
ATM Card Available

AFFIN BANK

Online Banking Affinonline.Com
PIDM Protected
ATM Card Up to RM250,000

Available

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FEES & CHARGES

For fees & charges for both banks, it consists 3 similar fees and charge for item MEPS
Withdrawal Fee, Overseas Withdrawal Fee and Early Closure Fee. But for Affin Bank, there 2
extra charges which are ATM Card Issuance Fee and Inactive Account Fee.

MAYBANK

MEPS Withdrawal Fee RM1

Overseas Withdrawal Fee RM12

Early Closure Fee RM20

ATM Card Issuance Fee AFFIN BANK
MEPS Withdrawal Fee
Overseas Withdrawal Fee RM8
Early Closure Fee RM1
Inactive Account Fee RM12
RM20
RM10

REQUIREMENTS
For requirements, both banks require a minimum age for customers which is 12 years

old. Also, customers must have a minimum balance in account RM10. Customers must deposit
a minimum initial amount which is RM20.

BENEFITS
MAYBANK

Low rates of RM0.50 per transaction for the first two Interbank GIRO transactions
within a month, and RM2.00 from the third transaction onwards. Maybank Basic Savings
Account-i has two choices for customers who want to get the most out of their savings
account.

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Option 1: There will be no annual fees, but you will have to pay a fee after the first 8 ATM
cash withdrawals and 6 over-the-counter fund transfers.
Option 2: With a one-off payment of RM8.00 annual fee, you are entitled to unlimited OTC
transactions and ATM cash withdrawals.

AFFIN BANK
A simple savings account, as the name suggests, provides you with the basics of
money management, such as checks and cash deposits, ATM withdrawals, fund transfers,
statement, online banking, debit card (with or without Annual Fee options), and statement,
among other things. When you register for internet banking at affinOnline.com, you'll get free
services on such transactions like account inquiries, online bill payments, and fund transfers
(except for GIRO).

WHO CAN APPLY?
For both banks, they encourage all Malaysian citizens and permanent residents to
apply this saving account.

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DIFFERENCES BETWEEN HOME FINANCING MAYBANK AND AFFIN BANK.
PRODUCT’S NAME: MAYBANK COMMODITY MURABAHAH HOME FINANCING-I

(ISLAMIC BANK)
VS

AFFIN BANK HOME FLEXI PLUS
(CONVENTIONAL BANK)

LOAN TYPE
For Maybank, the loan type is Term Islamic Financing while for Affin Bank, the loan type is
Semi-Flexi Loan.

CONCEPT
Maybank Commodity Murabahah Home Financing-i is a variable-rate, Shariah-

compliant home financing plan based on the Commodity Murabahah arrangement, which is a
cost-plus profit arrangement. Maybank technically provides home financing to you through
the trading of Shariah-compliant commodities such as Crude Palm Oil and RBD Palm Olein.
You will not be charged any brokerage or trading payments for commodity trading because
the bank will handle everything for you.

Affin bank Home Flexi Plus is a home loan combines a conventional home loan with an
overdraft, allowing you to withdraw excess funds against your loan principal during difficult
times when you need money. An overdraft is a personal line of credit that allows you to
withdraw funds from your current account even if you have depleted all of your savings.

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APPROVAL DAYS OF THE LOAN

Both Maybank and Affin Bank have the same number of days for the loan approval which is
30 days.

FEES & CHARGES

There are 6 similar fees and charges that have in Maybank and Affin Bank such as
Late Penalty Fee, Early Settlement Fee, Processing Fee, Redemption Letter Fee, Letter for EPF
Withdrawal and Fee Insurance Types.

MAYBANK

Late Penalty Fee 1% p.a. p.a. of the outstanding amount
Processing Fee Depending on the financing amount applied
Early Settlement Fee None
Redemption Letter Fee RM50 per request
Letter for EPF Withdrawal Fee RM10 per request
Insurance Types
• MRTT
• Fire Takaful
• House Owner Takaful

However, Affin Bank has additional charge which is Withdrawal Fee.

AFFIN BANK

Late Penalty Fee 1% p.a. p.a. of the outstanding amount
Withdrawal Fee RM25 Subject to minimum available balance
of RM5,000 in advance payment bucket.
Processing Fee RM200
Early Settlement Fee 2% within 3-year retention period
Redemption Letter Fee RM50 per request
Letter for EPF Withdrawal Fee RM20 per request
Insurance Types
• MRTT
• MRTA

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REQUIREMENTS
For requirements, both banks require customer to have RM 24,000 for Minimum

Annual Income. The person who wants to apply this home financing from both banks must
be salaried employee, self-employed and can be any nationality. However, both banks have
different requirement on minimum age. For Maybank, the minimum age is 21 to 70 years old
while for Affin Bank 18 to 65 years old.

OBLIGATIONS
The monthly instalment and total repayment amount will depend on the concept of

rate. Maybank and Affin Bank using difference concept of rate. For Maybank they are using
profit rate which is Islamic Base Rate and Affin Bank they are using interest rate which is Base
Rate.

The Islamic Base Rate (IBR) replaces the Base Financing Rate (BFR) as the pricing for
retail Islamic financing on January 2, 2015, in accordance with the new Reference Rate
Framework introduced by Bank Negara Malaysia. Under this new framework, banks will only
use funding costs as a benchmark when determining their base rate. The IBR of Maybank
Islamic is calculated using the bank's average cost of funds. The IBR will be adjusted not only
in response to changes in monetary policy, such as the Overnight Policy Rate (OPR), but also
in response to changes in funding conditions, such as movement in Kuala Lumpur.

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FAILURE TO FULFILL THE OBLIGATIONS

Both Maybank and Affin Bank will take action to the customers who fail to fulfil obligations
required. For Maybank, there will be late payment charges, default rate, right to set-off, right
to commence recovery or legal action and also right to review and terminate the facility.

MAYBANK

Late Payment Charges a) Overdue Instalment or Scheduled Payment: 1%

p.a. on the instalment amount in arrears from the

date of the first drawdown of the Facility until its

Maturity Date; or

b) Upon Maturity Date of the Facility or upon

judgment, whichever is earlier: Prevailing daily

overnight Islamic Interbank Money Market (IIMM)

rate on the outstanding balance due and payable

Default Rate In the event of default (non-payment) on three (3)

payments of profit pending the commencement of

instalment or during the payment of monthly

instalment, the Bank shall be entitled to convert the

prescribed rate to IBR+ 6.15% per annum calculated

on daily balance basis, or such other rate as the Bank

may prescribe from time to time subject always to the

Sale Price (where applicable)

Right to Set-Off The Bank has the right to set-off any credit balance in

your deposit account(s) maintained with the Bank

against any outstanding balance

Right to Commence Recovery or Legal Action Legal action will be taken if you fail to respond to

reminder notices. Your property may be subjected to

foreclosure and you will have to bear all costs. The

Bank have a right to commence recovery activities

(including engaging third-party debt collection

agencies), foreclosure and bankruptcy proceedings.

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Note: Legal action against you may affect your credit
rating leading to credit being more difficult or
expensive

Right to Review and Terminate the Facility The Banks retains an absolute right to review and
terminate the facility granted to you in the event there
is any indication the property is being used for non-
Shariah compliant activities or upon occurrence of any
other events of default as agreed in terms and
conditions of the facility

Affin Bank also will take the same action as Maybank, but they did not stated about right to
review and terminate the facility.

AFFIN BANK

Late Payment Charges Late payment charges of 1% per annum on the
Default Rate amount in arrears till settlement of the amount in
Right to Set-Off arrears.
When the Facility Days Past Due is ninety-one (91)
days, the Bank shall, with not less than 7 days’ notice,
revise the prescribed rate in your letter of offer to BR
+ 5.94% p.a.
With prior notice, bank have the right to set-off any
credit balance in your account maintained with bank
against any outstanding balance in this loan account

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Right to Commence Recovery or Legal Action Bank may proceed with legal action if you fail to
respond to our reminder notices. Your property may
be foreclosed. You will have to bear all costs and
expenses related to foreclosure. In the event that
there is a shortfall between the sale price of the
property and the amount in arrears after your
property is sold, you are responsible to settle the
shortfall (if any)

Note: Legal action against you may affect your credit
rating leading to credit being more difficult or
expensive to you.

INSURANCE/TAKAFUL COVERAGE

Takaful/insurance coverage is required to protect residential premises that are pledged
to the bank as collateral in the event of loss or damage by fire and other natural disasters to
provide financial security for your financing in the event of death or total and permanent
disability.

For Maybank, we have Home Building Takaful, Fire Takaful, Mortgage Reducing Term
Takaful (MRTT). Here is some information of Takaful/ Insurance:

A. Home Building Takaful (HBT): Dwelling

a) The Bank requires Dwelling property to be protected by a Home Building Takaful certificate.

b) The Bank will take up and maintain a Home Building Takaful certificate on your behalf from
Etiqa General Takaful Berhad or from the Bank’s panel of Takaful companies or such other
companies of your choice approved by the Bank with the Bank’s interest as chargee and loss
payee endorsed thereon.

i. A standard Home Building Takaful, including but not limited to the following perils
will be taken up: -

• Fire, Lightning, Thunderbolt and Subterranean Fire

• Riot and Strike, Malicious Damage

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• Explosion,
• Aircraft Damage
• Impact Damage
• Bursting or Overflowing of Domestic Water Tanks, Apparatus or Pipes
• Theft by forcible entry or exit
• Hurricane, Cyclone, Typhoon & Windstorm
• Earthquake & Volcanic Eruption
• Flood
• and such other perils as the Bank may require.
ii. The sum to be covered is at its full cover value.
c) All certificates will be taken up at your own costs and expenses and the Bank reserves the
right to pay the Takaful contribution for any certificates on your behalf to the debit of your
account.
B. Fire Takaful: Non-Dwelling / Building in the Course of Construction (BICC)
a) The Bank requires Non-Dwelling property and/or Building in the Course of Construction to
be protected by a Fire Takaful certificate.
b) The Bank will take up and maintain a Fire Takaful certificate on your behalf from Etiqa
General Takaful Berhad or from the Bank’s panel of Takaful companies or such other
companies of your choice approved by the Bank with the Bank’s interest as chargee and loss
payee endorsed thereon.
i. A Fire Takaful certificate, including but not limited to the following perils will be taken
up: -
• Fire
• Lightning
• Explosion
• Impact Damage (not applicable for BICC)

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ii. The sum to be covered will be at full cover value.such other perils as the Bank may
require.

iii. In cases where the Building is in the Course of Construction (BICC), the Bank will
convert the fire takaful into a Home Building Takaful certificate, upon final release of the
financing/completion of the property. You may however opt for a more basic fire takaful by
writing in officially to Etiqa General Takaful Berhad after the facility have been fully released.

c) All Takaful certificates will be taken up at your own costs and expenses and the Bank
reserves the right to pay the Takaful contribution for any certificates on your behalf to the
debit of your account.

d) A Fire Takaful is generally required for all Non-Dwelling property and/or Building in the
Course of Construction. The Bank may consider any request for a waiver of the Fire Takaful
certificate made by you on a case-to-case basis provided that you are able to submit a copy
of the insurance policy/ takaful certificate from the developer (Contractor's All Risk (CAR)
policy) with the following conditions: -

i. Maybank Islamic Berhad's name is included as one of the joint insured/beneficiaries;
and

ii. Insured/Takaful cover amount is equivalent to the contract value of the project.

C. Mortgage Reducing Term Takaful (MRTT) (if applicable)

a) At the Bank's request, you may also be required to take up and maintain a Mortgage
Reducing Term Takaful with Etiqa Family Takaful Berhad or with the Bank’s panel of Takaful
companies or other companies of your choice approved by the Bank on such terms and
conditions as the Bank may stipulate.

b) The MRTT certificate will take effect upon completion of all legal documentation and
security documents or from the date the Facility(s) is first disbursed (where applicable),
provided always that the application has been approved and that the full Takaful contribution
has been received by Etiqa Family Takaful Berhad or from the Bank's panel of Takaful
companies during your lifetime and that prior to or as at the date of commencement of the
Takaful coverage, there have been no alterations to your health.

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c) All certificates will be taken up at your own costs and expenses and the Bank reserves the
right to pay the Takaful contribution for any certificates on your behalf to the debit of your
account.

d) Partial Waiver of Mortgage Reducing Term Takaful (MRTT)
In the event that you have requested the Bank for a partial waiver of Mortgage Reducing
Term Takaful (MRTT) coverage or in the event that due to the inability on your part to satisfy
the requirements imposed by Etiqa Family Takaful Berhad or the Bank's panel of takaful
company or such other takaful company of your choice approved by the Bank, resulting in
MRTT coverage in respect of the Facility offered by the Bank to you vide this Letter of Offer
is not for the full financing amount and/or not for the full tenure of the financing, you confirm
that you fully understand the consequential effects that the lesser and/or shorter period of
MRTT coverage have and agree not to hold the Bank responsible therefore.

e) Waiver of Mortgage Reducing Term Takaful (MRTT)
In the event that you have requested the Bank for a waiver of Mortgage Reducing Term
Takaful (MRTT) coverage in respect of the Facility offered by the Bank to you vide this Letter
of Offer, you confirm that you fully understand the consequential effects that such waiver and
absence of the MRTT have and agree not to hold the Bank responsible.

f) In the event that due to the inability on your part to satisfy the requirements imposed by
Etiqa Family Takaful Berhad or the Bank's panel of takaful company or such other takaful
company of your choice approved by the Bank for MRTT coverage resulting in no MRTT
coverage in respect of the mortgage Facility offered by the Bank to you vide this Letter of
Offer, you confirm that you fully understand the consequential effects that such absence of
the MRTT have and agree not to hold the Bank responsible therefore.

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g) In the event of premature termination of MRTT policy before settlement of financing, the
Bank shall be entitled to vary the terms of financing including but not limited to increasing the
profit rate prescribed or the spread or quantum of the profit rate over and above the Bank's
Islamic Base Rate subject at all times the increase shall not cause the total payment to exceed
the Bank’s Sale Price.
In the event that Takaful products are not selected, you may purchase other insurance
products comparable to the above Takaful products separately, however, the Bank will NOT
finance the cost of insurance products into your financing facility.

- For Affin Bank, They Have Mortgage Reducing Term Insurance (MRTA)/Credit Level
Term Assurance (CLTA)/Credit Reducing Term Assurance (CRTA) and Fire Insurance
Here is some information of the Insurance:

A. Mortgage Reducing Term Insurance (MRTA)/Credit Level Term Assurance
(CLTA)/Credit Reducing Term Assurance (CRTA)

This insurance is optional but highly encouraged.
MRTA/CLTA/CRTA is an insurance scheme that protects mortgage borrowers who are insured
members against death, terminal illness diagnosis, and total and permanent disability. When
such an unfortunate occurrence happens, the policyholder will be reimbursed for the
remaining mortgage loan balance according to the MRTA/CLTA/CRTA Table of Benefits.

B. Compulsory Fire Insurance
The Bank may provide you with quotes for any compulsory insurance provided by the Bank's
own panel of insurance providers. You may, however, use the services of another insurance
provider.

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MARGIN OF FINANCE
Margin of Finance is the loan amount granted by the financial institution, expressed as a
percentage of the value of property pledged to secure a loan.For Maybank, the Margin of
Financing is up to 100% while for Affin Bank, the Margin of Financing is up to 90%

TENURE
The period or duration for which the loan amount is sanctioned is referred to as the tenure.
Maybank and Affin Bank both have the same tenure of financing is 35 years.

DOCUMENTS
Customer who wants to apply Maybank Commodity Murabahah Home Financing-I need to
provide:

Property Documents:
• Copy of Sale & Purchase Agreement / Booking Receipt / Offer Letter from Developer
• Copy of Individual Title Deed
• Valuation Report (for completed property)

Salaried employee:
• Copy of MyKad (front and back) or latest valid passport & Visa / Work Permit /

Employment pass
• Latest 3 month's salary slips or vouchers
• Latest EPF statements with 3 consecutive months or more transaction history
• Latest EA (Tax) Form
• Latest 6 month's Bank Statement
• Letter of Confirmation of Employment and Remuneration from your employer

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Self-employed:
• Business Registration Certificate – Form 24 and Form 49
• Latest 3 month’s bank statements
• Latest BE form with income tax receipt

The documents require from Affin Bank for Home Flexi Plus have no much difference
compared to Maybank. The main documents that customers need to submit is a copy of NRIC,
Sales & Purchase Agreement / Booking receipt from developer, Valuation report (for
completed property) and Copy of the Title Deed. The supporting documents are as follows:

For fixed income earners:
• Latest 3-months’ salary slips
• Latest EA form or Borang B supported by tax payment receipt
• Latest pension statement (for pensioners)
• Latest 6-months commission statement (for commission earners)
• Latest EPF statement
• Latest 3-months bank account statement
• Employment Letter

For self-employed:
• Latest Borang B supported by tax payment receipt
• Latest 6-months business account statement
• Latest 6-months personal account statement
• Latest Profit & Loss account

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REFERENCES

- RinggitPlus. 2021. Best Housing Loans. [online] Available at: <
https://ringgitplus.com/en/home-loan/ > [Accessed 17 April 2021].

- RinggitPlus. 2021. Maybank Commodity Murabahah Home Financing-i. [online]
Available at: < https://ringgitplus.com/en/home-loan/Maybank-Commodity-
Murabahah-Home-Financing-i.html > [Accessed 17 April 2021].

- RinggitPlus. 2021. Affin Bank Home Flexi Plus. [online] Available at: <

https://ringgitplus.com/en/home-loan/Affin-Bank-Home-Flexi-Plus.html >

[Accessed 17 April 2021].

- Affinonline.com. 2021. [online] Available at: <
https://www.affinonline.com/AFFINONLINE/media/assets/announcement/Mor
atoriumExtensionFAIRProgramFAQEng.pdf > [Accessed 17 April 2021].

- Maybank2u.com.my. 2021. [online] Available at: <
https://www.maybank2u.com.my/WebBank/Mortgage-i_PDS.pdf > [Accessed
17 April 2021].

- RinggitPlus. 2021. Best Savings Accounts. [online] Available at: <
https://ringgitplus.com/en/savings-account/ > [Accessed 17 April 2021].

- RinggitPlus. 2021. Affin Bank Basic Savings. [online] Available at: <
https://ringgitplus.com/en/savings-account/Affin-Bank-Basic-Savings.html >
[Accessed 17 April 2021].

- RinggitPlus. 2021. Maybank Basic Savings Account-i. [online] Available at: <
https://ringgitplus.com/en/savings-account/Maybank-Basic-Savings-Account-
i.html > [Accessed 17 April 2021].

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- Affinonline.com. 2021. [online] Available at:

<https://www.affinonline.com/AFFINONLINE/media/documents/DepositGener

alTnC.pdf> [Accessed 17 April 2021].

- Maybank2u.com.my. 2021. [online] Available at: <
https://www.maybank2u.com.my/iwov-
resources/pdf/personal/accounts/governBankAcc-Isl.pdf > [Accessed 17 April
2021].

- Affinbank.com.my. 2021. [online] Available at: <
https://www.affinbank.com.my/ > [Accessed 17 April 2021].

- Malaysia, A., 2021. Welcome to Maybank. [online] Maybank Malaysia. Available
at: < https://www.maybank.com/en/index.page > [Accessed 17 April 2021].

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APPENDIX
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