This product is only applicable to Funding Societies Malaysia. This promotional material has not been reviewed by the Securities Commission or any regulatory authority of Malaysia.

This Referral Campaign (“Campaign”) is organized by Modalku Ventures Sdn Bhd (“Funding Societies Malaysia”)

This Campaign is open to all new and existing borrowers who:

i. Have signed up for a financing solution with Funding Societies Malaysia; and

ii. Have successful disbursement and ongoing financing with Funding Societies Malaysia (hereinafter referred to as “Eligible Participants”)

Eligible Participants who have successfully referred any borrower to us will be entitled to RM100 as a referral reward. For the avoidance of doubt, the RM100 interest rebate shall be rewarded for both the referrer and referee upon successful disbursement of financing. The reward shall be credited to the successful referrer and referee on the following month of the end of every financial quarter.

There is no limit to the number of referral applications that can be submitted.

Eligible Participants shall obtain prior approval from any referee in respect of disclosure of any information and if so required to comply with the Personal Data Protection Act 2010.

Eligible Participants should also:

(i) Read and understand the contents of the disclosure document or any

relevant agreement or contract before applying;

(ii) Understand the risks involved in relation to the product or service;

(iii) Compare and consider the fees, charges and costs involved; and

(iv) Make their own risk assessment and seek professional advice, where necessary

Every reasonable effort has been made to ensure that the turnaround time is adhered to but the timeline may still be subject to change depending on various circumstances including but not limited to the completeness of information furnished by the Eligible Participants.

Funding Societies Malaysia reserves the right to add, delete or vary the terms and conditions herein, wholly or in part, at its absolute discretion by way of posting the amended terms and conditions on Funding Societies’ Malaysia website without prior notice.

By participating in this Campaign, you agree to be bound by the terms and conditions herein and agree that Funding Societies’ Malaysia decision on all matters relating to this Campaign shall be final and binding. You also agree to access Funding Societies’ Malaysia website to ensure to be kept up-to-date on any changes or variations to this terms and conditions.

Funding Societies Malaysia shall not be liable for any claims, losses, damages or costs incurred or suffered by any participants as a result of their participation in this Campaign.

These terms and conditions shall be governed by and construed in accordance with the laws of Malaysia and subject to the exclusive jurisdiction of the Courts of Malaysia.

Eligible Participants shall also be obliged with the website terms and privacy notice stated on Funding Societies Malaysia website.