2.im

PRIVATE AND CONFIDENTIAL
INFORMATION MEMORANDUM

Radiance Assets Berhad

MOHAMMAD EZWAN BIN ZAMANI

Born in 1984 into a humble middle-class family,
En. Ezwan sets his career upon a networking
business. Started from bottom with only
determination, he climbs onto the ladder of
success slowly and surely, he become one of
the leaders in being the top achiever yearly.
His hard work and perseverance have been his
biggest tool in achieving greatness.

From his experience in networking business, he
perfected his communications and social skills
to venture into Agriculture Industry in 2015. His
keen observation found a gap in the Agriculture
Industry and he took the opportunity to fill
those gaps in the market. Managed to maintain
between the supply and demand in the industry
by timing the production precisely with the demand change. Reading and analysing
the market trend is one of his talent that he used in Agriculture.

Being a risk taker, and believing in his analysis in the market he took the leap again
into Aquaculture based on his past experience in Agriculture. Again, he duplicates his
success in Aquaculture by being the leader in setting the market trend.

In late 2020, he took the trust and opportunity given into being one of the founders
of Radiance Assets Berhad. Believing that success can be replicate with the right
formula, he is set to make yet another stream of financial source and it starts with
the right attitude. En. Ezwan has learned that in his first journey, that it’s your attitude,
not your aptitude that will determine your altitude.

HANAFI BIN SULIAMAN

Mr. Hanafi started his journey with a Degree in
Electrical Engineering from Mara University
of Technology and graduated in 2006 with
Honors. Being the Strategic Planner, he
manages a team, nurturing and developing
them in order to perform their monthly target
sales efficiently.

Late 2019, He was given the chance to support
MFMI Limited (Labuan) as a Business Senior
Partner by getting the preferred shareholder
for the 1st ever Islamic Digital Bank. Mr. Hanafi
successfully manage his task in liaising
with the shareholders on the company’s
advancement.

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PRIVATE AND CONFIDENTIAL
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Tawreeq Capital PLT gave their trust as he become a Managing Partner in their firm
in 2020. Managing the agency for company fund raising for factoring business under
M24 Tawreeq Sdn. Bhd. He excels in organizing administrative and executive duties
with great experience to ensure smooth running of all company operations.

Becoming the key person in operations is his strongest trait. He believes in hard work
and steadfast progress in achieving success upon success in the future.

ROSLINA BINTI IBRAHIM

Roslina Ibrahim obtained an Honors Degree
in Accountancy from MARA University of
Technology in 2003. A qualified Accountant,
Roslina Ibrahim is a Member of Malaysian
Institute of Accountant (CAM) since 2007 and
an Associate Member of Institute of Internal
Auditor Malaysia since 2016.

She began her career with one of the largest
Independent Power Producer in Malaysia,
Malakoff Corporation Berhad in 1997. Since then,
she has served in the Accounts Department
until 31 December 2007.

After leaving Malakoff Corporation Berhad,
she joined Hicom Power Sdn Bhd (a subsidiary
of DRB-Hicom Berhad) as Head of Finance,
Human Capital and Administration Department.
In December 2012, Malakoff Corporation Berhad acquired Hicom Power Sdn Bhd’s
assets and liabilities including manpower of the company. Roslina re-joined Malakoff
Corporation Berhad as Manager Group Finance and Accounts. She then assumed
the position of Manager, Group Internal Audit (Head of Operational Audit Section) in
March 2014 until 31 December 2020 before she resigned to focus on her own business.

She holds directorship in RI Mateen Consultancy Sdn Bhd which core focus is providing
the consultancy and takaful services which she already started in early 2020. She is
also the author of a book with the concept of casual da’wah. She produced stories
in two anthologies, titled “Relakslah!” and “Seadanya Kuterima” under guidance of a
bestseller’s writer known as Bonda Nor. These two anthologies were published by
Galeri Ilmu Sdn. Bhd. Her latest upcoming masterpiece will be featured in a novel
freedom-themed-anthology produced in conjunction with Malaysia Independence
Day of 2020.

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PRIVATE AND CONFIDENTIAL
INFORMATION MEMORANDUM

Radiance Assets Berhad

Board of Directors’ Roles
and Responsibilities

The Board of Directors shall have overall authority, supervision and
control over, and responsibility for the operations, management and
investment decisions of the proceeds. The Board of Directors shall
meet as often as necessary, but shall meet no less than twice a year,
to review the operations, administrative affairs and the Investments
of the proceeds.
The business and affairs of the Company shall be managed by
the Board of Directors who may exercise all such powers on the
Investment provided that, the Investment is not ultra vires the
Companies Act, 2016 or by Company’s constitution.
The Board of Directors may, by a resolution of directors, appoint any
person, including a person who is a director, to be an officer or agent
of the Company in managing the Investment.
Any Director which is a body corporate may appoint any person its
duly authorised representative for the purposes of representing it
at meetings of the Board of Directors or with respect to unanimous
written consents.
All cheques, promissory notes, drafts, bills of exchange and other
negotiable or transferable instruments drawn on the Company, and
all receipts for moneys paid to the Company shall be signed, drawn,
accepted, endorsed or otherwise executed, as the case may be, in
such manner as the Directors shall from time to time by resolution
determine.

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PRIVATE AND CONFIDENTIAL
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Radiance Assets Berhad

ORGANIZATION CHART

BOARD OF
DIRECTORS

Mohd Ezman Bin
Zamani

MANAGING DIRECTOR

CORPORATE RISK
AFFAIRS MANAGEMENT

COMPLIANCE AND
ANTI MONEY
LAUNDERING

INTERNAL AUDIT

Chief Investment Officer Chief Marketing Officer Chief Operating Officer
HANAFI SULIAMAN ROSLINA BINTI MOHAMMAD EZWAN
IBRAHIM
INVESTING DEPARTMENT ZAMANI
SALES & MARKETING OPERATIONS
FUND
MANAGEMENT MOHD SAIFUL
ZOLKIFLEE
PORTFOLIO BACK OFFICE
MANAGEMENT
NOOR AZEAN
ZAMANI

ACCOUNTING

Board of Directors’ Meetings

The meetings of the Board of Directors will either take place in the Company’s
Business Address or shall be organised via any online platforms.

Financial Information

As the Company is incorporated on 15th February 2021, the Company is unable
to disclose each financial year for the period covered by the historical financial
information. However, the Company delightfully shall update the financial
information in the IM upon reaching its anniversary date.

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Radiance Assets Berhad

GENERAL PRINCIPAL TERMS OF
RPS-i

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PRIVATE AND CONFIDENTIAL
INFORMATION MEMORANDUM

Radiance Assets Berhad

General Principal Terms of RPS-i
The principal terms of the RPS-i are as follow:

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PRIVATE AND CONFIDENTIAL
INFORMATION MEMORANDUM

Radiance Assets Berhad

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PRIVATE AND CONFIDENTIAL
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Radiance Assets Berhad

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PRIVATE AND CONFIDENTIAL
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Radiance Assets Berhad

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PRIVATE AND CONFIDENTIAL
INFORMATION MEMORANDUM

Radiance Assets Berhad

FLOW CHART
OF SUBMISSION
SUBSCRIPTION

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PRIVATE AND CONFIDENTIAL
INFORMATION MEMORANDUM

Radiance Assets Berhad

PROCEEDS OF RPS-i
AND INVESTMENT

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PRIVATE AND CONFIDENTIAL
INFORMATION MEMORANDUM

Radiance Assets Berhad

Proceeds of RPS-i and Investment
The gross proceeds from our RPS-i at the rate
of RM125,000,000.00 to RM225,000,000.00 shall be
utilised by the Company as capital in our FinTech
project in order for us to reach our target in moving
to the world of cashless transaction (“Investment”).
The Company undertakes that it shall only invest
and utilise the proceeds from RPS-i in Shariah-
compliant portfolios as approved by the Shariah
Adviser.
Our Board of Directors shall utilise the proceeds
with a strategic planning and sound budgeting
in mind before releasing the capital. Subscriber
should take note that the utilisation plan above
is for illustration of what the Board of Directors
expects and does not serve as a binding term.

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PRIVATE AND CONFIDENTIAL
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Radiance Assets Berhad

INVESTMENT
POLICIES

The Board of Directors have overall responsibility for investment
policy of the Company and is also responsible for managing the
assets in accordance with the investment strategy as defined by
the Board of Directors.
The Board of Directors will employ research-based, fundamentals
driven selection process. Undervalued and overvalued companies
serve as the basis of the Company’s portfolio, which will generally
include long positions.
The Board of Directors may also seek to manage the residual
market and currency exposures with derivative instruments on a
tactical basis in order to reduce the overall volatility of the portfolio.
In order to achieve its investment objective, the Board of Directors
will utilise the following investment disciplines:

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PRIVATE AND CONFIDENTIAL
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Radiance Assets Berhad

Investment Committee

Radiance Assets Berhad investment committee’s major role is to provide the strategic
plan of investments and approval on investments that the company would be investing
in. The committee consists of experienced members in various targeted industries.

MS HARYATI BINTI HARUDIN is a Malaysian
entrepreneur who started her interior design
business for the past 10 years and eventually
included Fashion and Design as part of her
portfolio among her group of companies namely
Dache Group. Together with her vast experience
and strong business acumen, Haryati is nothing
but passionate in the pursuit of success within
the various industry specializing in interior
design, creative investment strategy and
construction. Her in-depth insights about
global creative investments and approach to
drive improvements within her organisation has
enabled her to become a dynamic and result-
oriented leader with a strong track record of
performance in high-paced organizations.

YM UNGKU SAFIAH BINTI YM UNGKU AHMAD

Success-driven and highly motivated Director in London, United Kingdom with a
qualified accounting background with a total of 24 years of experience in audit and
finance, business development and corporate strategy skills. Successful track record
in executing and implementing business strategies to organically grow the business
to the status it is today. With core competencies in Business Management, Managing
Director, Corporate Finance and Corporate Strategies, Process and Production.
She manages Avalon Fashions Limited in London for more than 15 years, delivering
success in turning a loss-making company to become highly profitable and grew the
company organically to its currect state achieving growth of 150%.

While being the director of Muiz Fortune Management Limited in 2015, a rapidly
growing consultancy business. She achieves an increase in net assets by 999% within
3 years and succeed in assisting clients in growing their businesses and improving
overall margin and profitability.

From 2019, She led the audit committee of XL Joinery Limited. Golden Pharos Europe
Limited, and Prestige Doors Limited and successfully help the company with their
business restructuring while assisting board of directors with business strategic
matters and improve the overall KPI of the business. Also advised the management
with short- and long-term cash flow strategies.

With her vast experience, she is the cornerstone in guiding the strategic direction
and vision for the company’s investment.

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PRIVATE AND CONFIDENTIAL
INFORMATION MEMORANDUM

Radiance Assets Berhad

i. Investment Target Selection

The Board of Directors will utilise a range of valuation measures to determine whether
a company is overvalued or undervalued in the context of its industry and within the
business cycle and its region. Since investment priorities change as economic cycles
evolve, the Board will emphasize different valuation measures as macroeconomic
conditions dictate. Among the key disciplines to be used are the following:

• Management Track Record
• Earnings Trend
• Valuation Measures

The timeframe for this Investment is twelve to sixty months optional to the Subscriber,
therefore, Investment in the RPS-i is suitable for the Subscribers who:

a. Have a short to medium-term investment horizon.
b. Wish to achieve portfolio diversification through investments out of the
conventional market.
c. Aim to earn a stable stream of income from their investments.

The Company target Short Term Subscriber who are not new to investments and
more savvy in terms of shares knowledge. They have an exact goal to achieve and
understands the risk and reward that the Company is offering.

Based on our research, we have a strong indication that Hi-tech Subscribers are a
good candidate for the RPS-i. They are tech savvy, and they understand well the track
that we are running on.

A Combination of both Short-term Subscriber and hi-tech Subscriber, provides the
Company with a solid target to aim to. This further enables the Company to plan, and
strategize our marketing and campaigns.

ii. Shariah-compliant Investment

The RPS-i is a Shariah compliant instrument and is governed by Shariah principles.
Generally, Shariah-compliant instrument are considered to be a type of socially
responsible investment which comply with Shariah principles.

The Shariah Adviser shall conduct review on the Company’s proposed Investment
in ensuring the Shariah compliance, whereas the Investment shall be audited by
Shariah Adviser on annual basis.

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PRIVATE AND CONFIDENTIAL
INFORMATION MEMORANDUM

Radiance Assets Berhad

RISK FACTORS

Risks Relating to Investment in Our RPS-i
No Prior Market for Our Shares and Possible Volatility of Our Share Price.
Prior to the Invitation, there has been no public market for our RPS-i and Ordinary
Shares. There is no assurance that an active trading market for our shares will
develop or, if developed, will be sustained, or that the market price for our shares will
not decline below the Issue Price. Therefore, we cannot predict the extent to which a
trading market will develop or how liquid the market might become. Liquidity of our
RPS-i and Ordinary Shares can be materially curtailed and there may be no or limited
trading in our RPS-i, and you may not be able to acquire RPS-i and Ordinary Shares
or sell your shares in the Company, either at a favourable price or at all. In addition,
if shares, such as the Company’s shares, have only limited liquidity, the price of such
shares can fluctuate significantly as a result of only one or a small number of trades
in these shares.
Accordingly, the Subscriber may be unable to sell your RPS-i at or above the
Subscription Price. The Subscription Price may not be indicative of the market price
for our RPS-i and/or Ordinary Shares after the completion of this invitation. The
Subscription Price should not be taken as an indication of the merits of the invitation,
our Company and our RPS-i and/or Ordinary Shares.

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Radiance Assets Berhad

The Company may not be able to Redeem
The Company derives income mainly from the operation under the Company. Hence,
the Company’s ability to pay future dividends and the Company’s ability to sustain the
dividend policy in the future is largely dependent on the performance of the Company’s
businesses.
Business Risk
There can be no assurance that the Company will achieve its investment objective.
There is no operating history by which to evaluate its likely future performance.
Shariah Non-Compliance Risk
There is a risk that our RPS-i and the business funded from RPS-i proceeds to be
deemed Shariah non-compliance. If this occurs, we may not obtain all the Shariah
related requisite licences, approvals and permits that we are required to obtain from
the various authorities, or renew existing licences, approvals and permits as they
lapse, in a timely manner to operate and continue with our investment, or at all. As
such, the authorities may prohibit us from operating the investment and require us
to cease operations until the compliance issues are solved, charge us compounds or
penalties for non-compliances.
Any Non Shariah compliance scenario occur may have a material adverse effect on
our investment, business, contractual arrangements, prospects, financial condition
and results of operations.

Government, Economic and Political Considerations
The value of the Company’s assets and the liquidity of the shares may be adversely
affected by uncertainties such as political, economic or social instability, diplomatic
developments and changes in laws or regulations. Expropriation, confiscatory
taxation, nationalisation or other developments could also adversely affect the assets
of the Company.

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PRIVATE AND CONFIDENTIAL
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Radiance Assets Berhad

Risk Management

Risk Identification

Risk identification at the Company is an active process of determining risks that could
potentially prevent the investment portfolio from achieving its objectives.

The objective of risk identification is the early and continuous identification of events
that, if they occur, will have negative impacts on the portfolio’s ability to achieve
performance or capability outcome goals. They may come from within the partners
themselves, or from external sources.

There are multiple sources of risk, including business performance challenges,
stakeholder expectations vs. current plan, external and internal dependencies,
business plan implementation challenges, business integration, interoperability,
supportability, supply-chain vulnerabilities, ability to handle threats, cost deviations,
safety, security, and more. In addition, historical data from similar investments,
stakeholder interviews, and risk lists provide the Company with valuable insight into
areas for consideration of risk.

At the Company, risk identification is an iterative process. As the investment program
progresses, more information will be gained about the partner, and the risk statement
will be adjusted to reflect the current understanding. New risks will be identified as
the investment progresses through the life cycle.

Investments may have multiple stakeholders that bring various dimensions of risk
to the outcomes. The Company believes it is important to include all stakeholders.
Stakeholders may be keenly aware of various environmental factors, such as pending
legislation or political program support that can pose risks to an investment. The
Company includes stakeholders in the risk identification process to help surface
these risks.

Operational Risk

Understanding the operations of the partner we are supporting and the risks to their
operations of the capabilities. Understanding these operational issues will help the
Company appreciate the gravity of existing and potential risk and the impact they
could have to the portfolio. This is critical part of risk analysis.

Key Performance Risk

The Company works closely with the partners to establish key performance indicators.
Overall risk of performance can be centered on failure to meet Key Performance
Parameter (“KPP”). Working with the partners to ensure the parameters are aligned,
responsive to their needs, and implementable, helps lower KPP. We at RAB seeks
results of past performance assessments, to help determine performance feasibility
including, but not limited to, financial performance.

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Information Security Risk
Information security is clearly becoming a major risk in almost every investment
class. The Company encourages the partners to develop resiliency approaches (e.g.,
contingency plans, backup/recovery, etc.). The information security issues associated
with supply chain management, in particular, is so broad and complex that it receives
almost daily attention.

Risk Analysis

RAB proprietary Risk Analysis system is an essential part of the organization. It helps
identify and understand the risks that RAB could face in its role as an investor. In turn,
this system helps RAB actively manage these risks, and minimize their impact on the
overall investment portfolio.
Risk Analysis can be complex, and often requires to draw on detailed information
such as investment plans, financial data, security protocols, marketing forecasts, and
other relevant information. However, it is an essential planning tool at RAB, and one
that saves time, and money.
The process is used in the following situations:
• When planning investments, to help anticipate and neutralize possible problems

faced by the partner
• When deciding whether or not to move forward with an investment.
• When preparing for events such as technology failure, or natural disasters.
• When planning for changes in the partner’s environment, such as new

competitors, or changes to government policy
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PRIVATE AND CONFIDENTIAL
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Radiance Assets Berhad

Risk Evaluation:

After the potential risks have been identified, the investment team then evaluates
the risk based on the probability that the risk event will occur and the potential loss
associated with the event. Not all risks are equal. Some risk events are more likely to
happen than others, and the cost of a risk event can vary greatly. Evaluating the risk
for probability of occurrence and the severity or the potential loss to the investment
is the next step in the risk management process.

Having criteria to determine high impact risks helps us to narrow the focus on a
few critical risks that require mitigation. For example, high-impact risks are those
that could decrease the investment value by 5%. Only a few potential risk events met
these criteria. These are the critical few potential risk events that the investment
management team at RAB focuses on when developing an investment risk evaluation,
mitigation or management plan. Risk evaluation at RAB is about developing an
understanding of which potential risks have the greatest possibility of occurring and
can have the greatest negative impact on the investment. These become the critical
few, and are then actively managed on an ongoing basis.

Building on the identification of the risks, each risk event is analyzed to determine the
likelihood of occurring and the potential cost if it did occur. The likelihood and impact
are both rated as high, medium, or low. At RAB, risk mitigation plans address the
items that have high ratings on both factors-likelihood and impact.

On investments with a low complexity profile, the investment manager at RAB may
informally track items at partners that may be considered low risk items. On more
complex investments, the investment management team at RAB will develop a list of
items perceived to be higher risk and track them during investment reviews with the
partner. On investments with greater complexity, the process for evaluating risk is
more formal with a risk assessment meeting or series of meetings during the life of
the investment to assess risks at different phases of the investment.

On highly complex investments, outside experts may be included in the risk evaluation
process, and the risk assessment plan may take a more prominent place in the
investment execution plan.

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Risk Response – Risk mitigation, and preventive plans:

After the risk has been identified and evaluated, RAB’s investment team develops a
risk mitigation plan, which is a plan to reduce the impact of an unexpected event. The
investment team mitigates risks in the following ways:

Risk avoidance at RAB involves the use of both on-site visits and the use of a
proprietary algorithm that detects most financial risks, including the risk of financial
distress. A common risk avoidance technique at RAB is to use proven and existing
business plans rather than adopt new, high-risk ones, even though the new plans
may show promise of better performance or lower costs. At RAB, the investment
team will choose a partner with a proven track record over a potential partner with a
risky business plan or plan of operations.

Risk sharing involves partnering with others to share responsibility for the risk
activities, such as political, legal, labor, and others risk types. If the risk event does
occur, then the partnering companies absorb some or all of the negative impact of the
event. The partner will also derive some of the profit or benefit gained by a successful
investment.

Risk reduction. At RAB, an investment manager may hire one or several outside
experts (“second opinions”) to review an investment to increase the confidence in
that investment and reduce the investment risk.

Risk transfer is a risk reduction method strongly encouraged and practiced amongst
RAB’s partners that shifts the risk from the investment to another party. The purchase
of insurance on certain items is a risk transfer method that is highly encouraged by
the investment managers at RAB. The risk is transferred from the investment to the
insurance companies.

Each of these mitigation techniques are proven effective tools in reducing individual
investment risks and the risk profile of the overall portfolio of investments. The risk
mitigation plan captures the risk mitigation approach for each identified risk event
and the actions the investment management team will take to reduce or eliminate
the risk.

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Monitoring and Reviewing risk:
After a risk response procedure is completed, RAB continues to monitor and review
the identified risks to verify that risk data remains valid, and that risk treatment is
effective. The results of these activities are reflected in the risk monitoring system.
Regular reviews of the available risk information and evaluations of the effectiveness
of controls helps RAB identify trends and improve risk treatment over time.
In the Company’s proprietary Risk Monitoring and Reviewing scheme, the following
steps will be taken in support of monitoring and reviewing activities:
• Effectiveness of Controls
The Company’s proprietary Risk Monitoring and Reviewing application can evaluate
the effectiveness of controls that have been implemented to reduce risk at a specific
location.
• Control Inspections
Schedule control inspections: The Company’s proprietary Risk Monitoring and
Reviewing application can create a series of control inspections to monitor the
effectiveness of specified controls. In the series, the risk officer can define how often
individual inspections occur and who performs the inspections.

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Anti-Money ANTI-CORRUPTION
Laundering and COMPLIANCE
Anti-Terrorism
Financing The Subscriber agrees to provide such
Compliance information as the Company shall
request to enable the Company to comply
The Subscriber agrees to provide such with all applicable laws, including
information as the Company shall without limitation, all laws, rules and
request to enable the Company to comply regulations of Malaysia, and any other
with all applicable laws, including relevant jurisdiction concerning with
without limitation, all laws, rules and all applicable laws relating to anti-
regulations of Malaysia, and any other corruption including but not limited
relevant jurisdiction concerning anti- to regulations of the Malaysian Anti-
money laundering and anti-terrorism Corruption Commission Act 2009
financing and similar activities. Failure (“MACCA”) including Section 17A MACCA
to provide such information to the (Amendment) 2018 (A1567 Act).
satisfaction of the Company may result
in the subscription application being Documents Available for
refused
Inspection
Auditors
Copies of the following documents will
The Company has appointed Ahamad be available at the business address of
Naina Mydin & Associates (Professional the Company at anytime during business
No: AF 0938) as its auditors. hours on weekdays (official public
holidays excluded) :
Banker
- Constitution of Radiance Assets
The Company has appointed Hong Leong Berhad
Islamic Bank as its principal banker. - Subscription Agreement
- Information Memorandum of
Radiance Assets Berhad
- Material contract (if any)
- Application Forms

Costs and Expenses

The Company shall bear and pay all costs
and expenses including Legal Adviser’s
cost incurred in or in connection with the
preparation of this IM, the Subscription
Form, the Subscription Agreement and
the allotment and issuance of the RPS-i.

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Exit Strategy

The Company will focus
on such instruments which
have a clear exit strategy with
the best achievable returns.
The Board of Directors of the
Company will determine the
specific Investment mandate
regarding each investment.

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SUBSCRIPTION
FORM

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“

BE THE CHANGE
YOU WISH TO SEE
IN THE WORLD

MAHATMA GHANDI

RADIANCE ASSETS BERHAD
(Company No.: 202101005326 (1405625-M))

Lot 89-2, Jalan Anggun City 1
Pusat Komersial Anggun City, Taman Anggun

48000 Rawang, Selangor Darul Ehsan

Tel: +603-6092 1861
E-mail: [email protected]

THIS INFORMATION MEMORANDUM IS DATED ON 12th MARCH 2021

(For Personal Use of the Qualified Subscribers only, Not for Circulation)