Terms and conditions apply. ^{^}Based on transactions performed. ¹Waiver is subject to minimum of 6 retail transactions in a year. ²Waiver of Asset Under Management (“AUM”) requirement for the 1st year and fulfill RHB Premier requirements in the 2nd year to maintain their accounts as RHB Premier Joy@Work customers. ³Unit Trust and Private Retirement Scheme offers are only valid for one time subscription only during the campaign period for each RHB Joy@Work Premier customer. Unit Trust Offer applies to all UT funds except for Closed-Ended funds. T&C available at www.rhbgroup.com/p/pcr. ⁴Applicable for new RHB Credit Card/-i cardholders only. Promotion valid from 1st January 2020 – 31st December 2020. T&C available at www.rhbgroup.com/s/btcx20. ⁵To be eligible for the guaranteed gift customer must credit a minimum of RM4,000 in a single transaction for 3 consecutive months into the Participating Account during the Campaign Period; and Hold any active RHB Credit Card/-i; or Apply for an RHB Credit Card/-i with submission of full documentation. ⁶To be eligible for the Lucky Draw, during the campaign period, the customer needs to have a minimum total monthly crediting of RM2,000 under the Company Joy@Work category. For Individual Joy@Work category, the customer needs to have a minimum total monthly crediting of RM2,000 for Government Sectors and RM2,500 for Private Sectors & NGO segments.

Investors are advised to read and understand content of the relevant documents including but not limited to prospectus or information memorandum that has been registered with Security Commission, Product Highlight Sheet, Product Disclosure Sheet and Term Sheet before investing. Investors should also consider all fees and charges involved before investing. Prices of units and income distribution, if any, may go down as well as up; where past performance is no guarantee of future performance. Units will be issued upon receipt of the registration form referred to and accompanying the Prospectus. The printed copy of prospectus and Product Highlight Sheet is available at RHB branches/Premier Centre and investors have the right to request for a Product Highlight Sheet.

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RHB Bank Berhad 196501000373 (6171-M) | RHB Islamic Bank Berhad 200501003283 (680329‑V)