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Negotiable Instrument of Deposit (NID) denominated in Ringgit and issued by RHB Bank (authorised bank) as evidence for a minimum period of 1 month at negotiable rates up to 5 years.

We offer full-fledged execution and clearing services for all Bursa Malaysia Derivatives (BMD); Chicago Mercantile Exchange Group (CME); Singapore Exchange Limited (SGX-DT) & Hong Kong Exchanges and Clearing Limited (HKEx) products, serving retail, institutional and corporate clients across the region. As a part of our services we also offer comprehensive futures research reports.

Whether it's Dow Jones, Wall Street, NYSE, or the share market in Malaysia, RHB brings the world of share trading to you. With an extensive network of branches located at strategic locations in Malaysia and across the region, RHB is ready to meet your share trading needs, and help you maximise and grow your investments.

RHB's Institutional Equities (IE) department provides high-quality equities investment advice and execution services to fund, asset and insurance managers globally, investing in equities markets across the region. In addition, providing electronic trading system (Direct Market Access) for those accessing the high frequency trading environment. We have highly qualified institutional sales teams that complement our strong Research franchise to provide investment advice to our institutional clients.

Institutional Equities team has dedicated operations teams who provide efficient support services for our clients across the region.  The team provides and further facilitates cross-border trading services into these markets.

RHB has a network of international broking partners that provide a global footprint in the equities markets. Our partners include Auerbach Grayson in the USA and Okasan Securities in Japan.

A principal-protected investment that pays you a return when the underlying reaches the Trigger Rate on expiry date.

Overview
The performance of the embedded derivative will determine the interest payable for the investment. At the inception of the investment, the Investor agrees to the underlying currency pair for the Digital Option and the 'Trigger Rate'. The Trigger Rate which is fixed upfront is the exchange rate for the currency pair which determines whether the Investor will receive a minimum or maximum interest on the Maturity Date. The terms of the particular Digital Option may provide for a Trigger Rate which is either higher than or lower than the Spot Rate on the Trade Date. If the Trigger Rate is fixed upfront as higher than the Spot Rate on the Trade Date, the Investor will receive the maximum interest rate if the Spot Rate at 2pm KL time on Expiry Date is higher than or equal to the Trigger Rate. Otherwise, the minimum interest rate will be paid to the Investor. If on the other hand, the Trigger Rate is fixed upfront as lower than the Spot Rate on the Trade Date, the Investor will receive the maximum interest rate if the Spot Rate at 2pm Kuala Lumpur local time on Expiry Date is lower than or equal to the Trigger Rate. Otherwise, the minimum interest rate will be paid to the Investor. Please take note that the minimum interest rate can be zero depending on the terms of the particular Digital Option.

The initial Investment Amount is protected only if the investment is held until maturity.

for Redemption at Maturity
Customer will receive either the maximum or the minimum interest from this investment. The following are illustrations of the possible outcomes from this investment:

Scenario 1: (If the Trigger Rate is fixed upfront as higher than the Spot Rate on Trade Date at 6.02)

USD/CNH trades lower than the Trigger Rate of 6.02 at 2pm KL time on the Expiry Date (29 Dec 2014). Investor will receive the minimum interest rate of 2% plus the initial Investment Amount of USD 100,000 on the Maturity Date (31 Dec 2014):

Investment Amount + (Investment Amount x Minimum Interest Rate)
= USD 100,000 + (USD 100,000 X 2.00%)
= USD 100,000 + USD 2,000
= USD 102,000

Scenario 2: (If the Trigger Rate is fixed upfront as higher than the Spot Rate on Trade Date at 6.02)

USD/CNH trades higher than the Trigger Rate of 6.02 at 2pm KL time on the Expiry Date (29 Dec 2014). Investor will receive the maximum interest rate of 5% plus the initial Investment Amount of USD 100,000 on the Maturity Date (31 Dec 2014):

Investment Amount + (Investment Amount x Maximum Interest Rate)
= USD 100,000 + (USD 100,000 X 5.00%)
= USD 100,000 + USD 5,000
= USD 105,000

Scenario 3: On 1 July 2014, which is before the Maturity Date, Investor decides to cancel their investment. The actual amount to be returned to the Investor will be adjusted for any unwinding cost arising from the early termination. The Investor may receive an amount less than their initial Investment Amount:-

Unwinding Cost for premature termination/cancellation:

Cancellation Date	1 July 2014
Investment Amount	USD 100,000
Unwinding Cost	(USD 600)
Total Amount Redeemed (USD 100,000 - USD 600)	USD 99,400

Investor receives USD 99,400 which is less than the initial Investment Amount of USD 100,000 due to deduction of unwinding cost on premature withdrawal.

Scenario 4: If the Trigger Rate is fixed upfront as lower than the Spot Rate on Trade Date at 5.90

USD/CNH trades higher than the Trigger rate of 5.90 at 2pm KL time on the Expiry Date (29 Dec 2014), for example USD/CNH trades at 5.92. Investor will receive the minimum interest rate of 2% plus the initial Investment Amount of USD 100,000 on the Maturity Date (31 December 2014):

Investment Amount + (Investment Amount x Minimum Interest Rate)
= USD 100,000 + (USD 100,000 X 2.00%)
= USD 100,000 + USD 2,000
= USD 102,000

Scenario 5: If the Trigger Rate is fixed upfront as lower than the Spot Rate on Trade Date at 5.90

USD/CNH trades lower than the Trigger rate of 5.90 at 2pm KL time on the Expiry Date (29 Dec 2014), for example USD/CNH trades at 5.87. Investor will receive the maximum interest rate of 5% plus the initial Investment Amount of USD 100,000 on the Maturity Date (31 December 2014):

Investment Amount + (Investment Amount x Maximum Interest Rate)
= USD 100,000 + (USD 100,000 X 5.00%)
= USD 100,000 + USD 5,000
= USD 105,000

PLEASE TAKE NOTE: The above simulations are being provided for illustrative purposes only and are not a forecast or indication of any expectation or performance. It does not represent actual termination or unwind cost that may be available to you. It does not present all possible outcomes or describe all factors that may affect the value of the transaction.

A principal-protected investment that pays you a return proportionate to the number of days the chosen interest rate index stays within the Range.

Overview
At the inception of the investment, the Investor agrees to the Reference Interest Rate and its Range. The Reference Interest Rate can be based on any interest rate index (such as 3 month KLIBOR, 6 month SIBOR or other reference index) and the Range is the upper and lower limit for the movement of interest rates of the chosen index during the tenor of the investment. The performance of the Reference Interest Rate will be determined on a daily basis during the Observation Period. The Interest payable on the investment will be paid on each Interest Payment Date determined by the actual number of days the Reference Interest Rate stays within the Range (Lower Limit ≤ Reference Interest Rate ≤ Upper Limit) for each Observation Period.

If the Reference Interest Rate stays within the Range every day of the Observation Period, the Investor will receive the Maximum Interest Rate. If the Reference Interest Rate stays outside the Range every day during the Observation Period, the Investor will receive the Minimum Interest Rate. If the Reference Interest Rate moves within and outside of the Range during the Observation Period, the Investor will receive a Participating Interest Rate which is more than the Minimum Interest Rate but lower than the Maximum Interest Rate based on the total number of days the Reference Interest Rate stays within the Range during the Observation Period. Please take note that the Minimum Interest Rate can be zero depending on the terms of the particular IR-Range Accrual.

Depending on the terms of the particular IR-Range Accrual, it may include a Callable feature which gives RHB Bank the right to terminate the IR-Range Accrual on any Interest Payment Date prior to the Maturity Date and return the initial Investment Amount together with any interest due up to the Call Date to the Investor.

The initial Investment Amount is protected only if the investment is held until maturity or in the event of a Call prior to maturity.

for Redemption at Maturity
Investor will receive the Minimum, Maximum or the Participating Interest Rate from this Investment. The following are illustrations of the possible outcome from this Investment:

The Interest Amount is payable in the Investment Currency and is calculated based on the following formula:

Investment Amount x [(Rmin) + (Rmax – Rmin) x n^*/M^**] x Actual number of days/ Day Count Convention^***

^*n = Number of days in which the Reference Interest Rate stays within the Range for each Observation Period
^**M = Number of days in the Observation Period
^***Day Count Convention refers to the number of days in the interest period as a fraction of the number of days in a year based on the applicable convention for the investment currency

Scenario 1: 3 month KLIBOR stays outside the Range of 3.00% – 5.00% every day during the Observation Period starting from 14 July 2014 to 13 October 2014. The number of days interest is accrued for this Observation Period is 0 days. The Investor will receive the Minimum Interest of MYR 0.00 for that Observation Period on the Interest Payment Date (14 October 2014):

= Investment Amount x [(Rmin) + (Rmax – Rmin) x n^*/M^**] x Actual number of days/ Day Count Convention^***
= MYR 100,000 x [(0.00%) + (6.00% - 0.00%) x 0/91] x 91/365
= MYR 0.00

Please take note that the initial Investment Amount will only be paid on the Maturity Date (14 January 2015) which will be the final Interest Payment Date

Scenario 2: 3 month KLIBOR stays within the Range of 3.00% – 5.00% every day during the Observation Period starting from 14 July 2014 to 13 October 2014. The number of days interest is accrued for this Observation Period is 91 days. The Investor will receive the Maximum Interest of MYR 1495.89 for that Observation Period on the Interest Payment Date (14 October 2014):

= Investment Amount x [(Rmin) + (Rmax – Rmin) x n^*/M^**] x Actual number of days/ Day Count Convention^***
= MYR 100,000 x [(0.00%) + (6.00% - 0.00%) x 91/91] x 91/365
= MYR 1495.89

Please take note that the initial Investment Amount will only be paid on the Maturity Date (14 January 2015) which will be the final Interest Payment Date

Scenario 3: 3 month KLIBOR stays within the Range of 3.00% – 5.00% for 50 days during the Observation Period starting from 14 July 2014 to 13 October 2014. The number of days interest is accrued for this Observation Period is 50 days. The Investor will receive the Participating Interest of MYR 821.92 for this Observation Period on the Interest Payment Date (14 October 2014):

= Investment Amount x [(Rmin) + (Rmax – Rmin) x n^*/M^**] x Actual number of days/ Day Count Convention^***
= MYR 100,000 x [(0.00%) + (6.00% - 0.00%) x 50/91] x 91/365
= MYR 821.92

Please take note that the initial Investment Amount will only be paid on the Maturity Date (14 January 2015) which will be the final Interest Payment Date

Scenario 4: On 28 September 2014, which is before the Maturity Date, the Investor decides to terminate their investment. The actual amount to be returned to the Investor will be adjusted for any unwinding cost payable arising from early termination. The investor may receive an amount less than their initial Investment Amount depending on the unwinding cost:

Unwinding Cost for premature termination/cancellation:

Cancellation Date	28 September 2014
Investment Amount	MYR 100,000
Unwinding Cost	(MYR 3,300)
Total Amount Redeemed (MYR 100,000 – MYR 3,300)	MYR 96,700

Investor receives MYR 96,700 which is less than the initial Investment Amount of MYR 100,000 due to the deduction of unwinding cost on premature withdrawal.

PLEASE TAKE NOTE: The above simulations are being provided for illustrative purposes only and are not a forecast or indication of any expectation or performance. It does not represent actual termination or unwind prices that may be available to you. It does not present all possible outcomes or describe all factors that may affect the value of the transaction.

A gold and foreign currency linked structured product.

Overview
This structured product has an embedded derivative (the Reference Derivative) that is linked to the performance of gold measured against a selected foreign currency offered by the Bank. Gold is internationally quoted as "XAU", which is the price of 1 Troy Ounce of gold in the particular foreign currency (e.g. "XAU/USD" means the price of 1 Troy Ounce of gold in US Dollars). The RHB Multi Currency Account (‘MCA’) includes gold as a currency in the MCA Gold Investment Account (MCA Gold IA) and any amount paid in gold under the terms of the particular DCI Gold will be credited into the MCA Gold IA. Investors should take note that there will be no entitlement for physical delivery of gold notwithstanding a credit balance in the MCA Gold IA.

Prior to making an investment, the Investor will need to decide on the currency pair which shall be the Base (Investment) Currency and the Alternate Currency, the Tenor of the investment, and the Conversion Rate. The Base Currency refers to the currency in which the initial investment is made and Alternate Currency is the second currency to be paired with the Base Currency for the DCI Gold. For example, if the Investor chooses gold as their Base Currency, the Alternate Currency will be foreign currency and vice versa. On the Start Date, the initial Investment Amount will be debited from the Investor´s MCA or MCA Gold IA.

On the Maturity Date, the initial Investment Amount will be paid in either gold or foreign currency, depending on which is the weaker currency based on the prevailing Spot Rate at 2pm Kuala Lumpur local time on the Expiry Date. Regardless of whether the initial investment is paid in either gold or foreign currency to the Investor, the interest payable on the DCI Gold will always be paid in the foreign currency. If the Spot Rate is equal to the Conversion Rate on the Expiry Date, the Bank has the sole discretion to determine the currency in which the initial Investment Amount will be repaid.

DCI Gold is not a principal protected investment.

for Redemption at Maturity
(A) When the Base Currency is in foreign currency

The following scenarios are meant for illustration purposes and do not reflect the current or future market trends.

Scenario 1: On the Expiry Date (1 April 2014), the XAU has strengthened against the USD and the XAU/USD Spot Rate is above the Conversion Rate (XAU/USD Spot Rate > 1230). USD is not converted to XAU. On the Maturity Date (3 April 2014), the Investor will receive:

Initial Investment Amount in foreign currency + (Initial Investment Amount in foreign currency x Interest Rate x Investment Tenor/Day Count Convention)
= USD 63,272.43 + (USD 63,272.43 x 11.00% x 7/360)
= USD 63,272.43 + USD 135.33
= USD 63,407.76

Scenario 2: On the Expiry Date (1 April 2014), the XAU has weakened against the USD and the XAU/USD Spot Rate is below the Conversion Rate (XAU/USD Spot Rate < 1230). USD is converted to XAU. On the Maturity Date (3 April 2014), the Investor will receive:

Investment Amount converted to gold + (Initial Investment Amount in foreign currency x Interest Rate x Investment Tenor/Day Count Convention)

Investment Amount converted to gold
= (USD 63,272.43/1230) = XAU 51.441
= (XAU 51.441/32.1507)^* x 1000
= GLD 1600

Interest in foreign currency
= USD 63,272.43 x 11.00% x 7/360
= USD 135.33

Total Redemption Amount
= GLD 1600 + USD 135.33
^*1000 grams = 32.1507 XAU

WARNING
There is a risk that the Investor would not be able to recoup the initial Investment Amount of USD 63,272.43 if the Investor chooses to immediately convert the GLD received on Maturity Date (3 April 2014). Based on Scenario 2, if the GLD 1600 received on the Maturity Date is immediately converted back to USD at the Spot Rate of 1100 (3 April 2014), the USD amount would be USD 56,585.10^** + USD 135.33 = USD 56,720.43, which is less than the initial amount invested of USD 63,272.43.
^** (GLD 1600/1000) x 32.1507 = 51.441 x 1100 = USD 56,585.10

Scenario 3: The Spot Rate = Conversion Rate at 2pm KL time on the Expiry Date regardless whether the Base Currency is in gold or foreign currency.

If the XAU/USD on the Expiry Date (1 April 2014) is equal to the Conversion Rate, it is up to the Bank´s discretion whether to pay the Investment Amount in gold or foreign currency. Irrespective of whether the Investment Amount is paid in gold or foreign currency, the Interest Payable on the DCI Gold will always be paid in foreign currency.

Scenario 4: When the Investor decides to cancel the Investment before the Maturity Date

On 28 March 2014, which is before the Maturity Date, the Investor decides to cancel the investment. The actual amount to be returned to the Investor will be adjusted for any unwinding cost payable arising from the cancellation. The Investor may receive an amount less than their initial investment.

Cancellation Date	28 March 2014
Investment Amount	USD 63,272.43
Cost of Funding	(USD 100)
Cost of Terminating the embedded Reference Derivative	(USD 250)
Total Amount Redeemed [USD 63,272.43 - (USD 100+250)]	USD 62,922.43

Investor receives USD 62,922.43 which is less than the USD 63,272.43 due to deduction of unwinding costs on premature withdrawal.

PLEASE TAKE NOTE: The actual amount to be returned to the Investor due to deduction on unwinding costs will always be paid in the Base Currency.

(B) When the Base Currency is in gold

Scenario 1: On the Expiry Date (1 April 2014), the XAU has strengthened against the USD and the XAU/USD Spot Rate is above the Conversion Rate (XAU/USD Spot Rate > 1230). XAU is converted to USD. On the Maturity Date (3 April 2014), the Investor will receive:

Investment Amount converted to foreign currency + (Value of gold in foreign currency x Interest Rate x Investment Tenor/Day Count Convention)

Investment Amount converted to foreign currency
= 51.441 x 1230
= USD 63,272.43

Value of gold in foreign currency x Interest Rate x Investment Tenor/Day Count Convention
= (51.441 x 1250) x 11% x 7/360
= USD 137.53

Total Redemption Amount = USD 63,272.43 + USD 137.53 = USD 63,409.96

Please note that the Interest Payable on the DCI Gold will always be paid in foreign currency

WARNING
There is a risk that the Investor would not be able to recoup the initial Investment Amount of GLD 1600 if the Investor chooses to immediately convert the USD received on Maturity Date (3 April 2014). Based on Scenario 1 (Section B), if the USD 63,409.96 received on the Maturity Date is immediately converted back to GLD at the Spot Rate of 1345 (3 April 2014), the amount converted would be GLD 1466^**, which is less than the initial amount invested of GLD 1600.

^** (USD 63,409.96/1345) x (1000/32.1507) = GLD 1466

Scenario 2: On the Expiry Date (1 April 2014), the XAU has weakened against the USD and the XAU/USD Spot Rate is below the Conversion Rate (XAU/USD < 1230). XAU is not converted to USD. On the Maturity Date (3 April 2014), the Investor will receive:

Investment Amount in gold + (Value of gold in foreign currency x interest rate x Investment Tenor/Day Count Convention)

Investment Amount in gold
= GLD 1600

Value of gold in foreign currency x Interest Rate x Investment Tenor/Day Count Convention
= (51.441 x 1250) x 11% x 7/360 = USD 137.53

Total Redemption Amount
GLD 1600 + USD 137.53

^**Please note that the Interest Payable on the DCI Gold will always be paid in foreign currency

PLEASE TAKE NOTE: The above simulations are being provided for illustrative purposes only and are not a forecast or indication of any expectation or performance. It does not represent actual termination or unwind cost that may be available to you. It does not present all possible outcomes or describe all factors that may affect the value of the transaction.

A principal protected investment linked to the performance of a chosen mutual fund.

Overview
The performance of the embedded derivative, which is linked to the performance of the chosen Mutual Fund will determine the coupon payable for the Investment. At the inception of the Investment, the Investor agrees to the chosen Mutual Fund, the tenor of the contract, the Strike Point, and the Participating Rate (PR) with RHB Bank. The Strike Point which is fixed upfront is the targeted Net Asset Value (NAV) of the Mutual Fund which determines the coupon that the Investor will receive on each Coupon Payment Dates.

If the final NAV of the chosen Mutual Fund on the pre-determined Observation Date is less than or equal to the Strike Point, the Investor will receive the Minimum Coupon on the Coupon Payment Date. If the final NAV of the chosen Mutual Fund on the pre-determined Observation Date is more than the Strike Point, the Investor will receive the Participating Coupon on the Coupon Payment Date based on a predefined formula.

Please take note that the Minimum Coupon can be zero depending on the terms of the particular contract.

The initial Investment Amount is protected only if the investment is held until maturity.

This structured investment is not insured by Perbadanan Insurans Deposit Malaysia.

for Redemption at Maturity
The following scenarios are meant for illustration purposes and do not reflect the current or future market trends.

Scenario 1 – Higher NAV, Higher EURMYR

On the first Observation Date (6 May 2020), the final NAV of GAMSCOE ID rises to 18.4000, and EURMYR is now at 4.8000. On the Coupon Payment Date (8 May 2020), the Investor will receive a Coupon of MYR 6,158.09 based on the calculation in the table below:

Please take note that the initial Investment Amount will only be paid on the Maturity Date (8 May 2021) which will be the final Coupon Payment Date.

Scenario 2 – Higher NAV, Lower EURMYR

On the first Observation Date (6 May 2020), the final NAV of GAMSCOE ID rises to 18.4000, and EURMYR is now lower at 4.3000. On the Coupon Payment Date (8 May 2020), the Investor will receive a Coupon of MYR 5,516.62 based on the calculation in the table below:

Please take note that the initial Investment Amount will only be paid on the Maturity Date (8 May 2021) which will be the final Coupon Payment Date.

Scenario 3 – Minimum Coupon Outcome

On the first Observation Date (6 May 2020), the final NAV of GAMSCOE ID drops below Strike Point to 16.5000, and EURMYR is now lower at 4.3000. On the Coupon Payment Date (8 May 2020), the Investor will receive the Minimum Coupon of MYR 0.

On the second Observation Date (6 May 2021), the final NAV of GAMSCOE ID falls to 12.00. On the Coupon Payment Date (8 May 2021), the Investor will receive the Minimum Coupon of MYR 0.00 based on the below calculation in the table below:

Please take note that the initial Investment Amount will only be paid on the Maturity Date (8 May 2021) which will be the final Coupon Payment Date.

Scenario 4 – Early Termination

On 20 January 2020, which is before the Maturity Date, the Investor decides to terminate their investment. The actual amount to be returned to the Investor will be adjusted for any unwinding cost payable arising from early termination. The investor may receive an amount less than their initial Investment Amount depending on the unwinding cost:

Unwinding Cost for Premature Termination/Cancellation :

Early Termination Date	20 January 2020
Investment Amount	MYR 100,000
Unwinding Cost	(MYR 2,300)
Total Amount Redeemed (MYR 100,000 – MYR 2,300)	MYR 97,700

The Investor receives MYR 97,700 which is less than the initial Investment Amount of MYR 100,000 due to the deduction of unwinding cost on premature withdrawal.

PLEASE TAKE NOTE: The above simulations are being provided for illustrative purposes only and are not a forecast or indication of any expectation or performance. It does not represent actual termination or unwind cost that may be available to you. It does not present all possible outcomes or describe all factors that may affect the value of the transaction.