Avenue of Choice for your Investment and Fund Raising IAP allows investors to view and choose from a wide range of ventures sponsored by diﬀerent Islamic banks for the investors

SHAREHOLDER BANKS:

www.iaplatform.com Edition : January 2017

Catalyst for growth

Avenue of Choice for your Investment and Fund Raising

Why should I invest via IAP Potential high returns: Under IA, returns to investors are based on performance of the underlying ventures that they choose to invest in. Possible upside returns may be generated from the profit of debt-based financing under a broader set of credit criteria and more efficient capital and liquidity management strategies of Islamic banks in offering equity-based financing structures

Bank-intermediated: Islamic banks undertake significant roles in intermediating investors’ funds including filtering of viable ventures, conducting suitability assessment on individual investors and continuous performance monitoring of underlying ventures

Independent rating on ventures: Performed by a professional rating agency with extensive experience in rating of financial instruments, facilitating informed decision making by investors

Broader choices: Investors can filter the ventures listed based on their desired criteria. This is especially useful to investors with specific investment mandates

User friendly: IAP is a platform that is accessible anywhere, anytime, with some processes conducted online

What I need to know about IAP investments Investment fund size: Investment participation per investor shall be the multiples of minimum investment amount at the point of offering Underlying currency: Ringgit Malaysia (Investment denominated in foreign currency will be offered in the future)

Tenure: The tenure of IA shall match the tenure of underlying financing asset

Payment frequency: Principal and profit will be paid either periodically or upon maturity

Performance report: To be provided on periodical basis

Redemption of investment: At maturity date

Profit distribution: Based on profit sharing ratio or expected profit rate

Loss treatment: Losses will be borne by investors provided that they are not due to Islamic bank’s breach of specified terms

GROW YOUR FUNDS WITH CONFIDENCE

Investing via IAP

6

IAP INTEGRATED SDN BHD (1140341-W)

09-02, Level 9, Menara 2, Menara Kembar Bank Rakyat

No. 33, Jalan Travers, 50470 Kuala Lumpur

www.iaplatform.com

03 2272 2272 03 2272 2282

[email protected]

Raeed Holdings(investment holding company andthe strategic driver for the group)

Corporate Structure

IAP Integrated(owner and operator of IAP)

WHO WE ARE

About Raeed HoldingRaeed Holdings Sdn Bhd (Raeed) is a consortium formed by six Islamic banking institutions in Malaysia namely Affin Islamic Bank Berhad, Bank Islam Malaysia Berhad, Bank Muamalat Malaysia Berhad, Maybank Islamic Berhad, Bank Kerjasama Rakyat Malaysia Berhad and Bank Simpanan Nasional. Raeed has set up a wholly-owned subsidiary, IAP Integrated Sdn Bhd to develop and operate a multi-bank platform known as the Investment Account Platform (IAP).

www.iaplatform.com 1

NEW WAY OF INVESTING AND RAISING FUNDS

What is IAP?The Investment Account Platform (IAP) is a multi-bank platform that facilitates channelling of funds from investors to finance viable ventures. Funds mobilised via IAP are intermediated by participating Islamic banks through investment account (IA) products.

IAP allows investors to view and choose from a wide range of ventures sponsored by different Islamic banks for the investors to invest in. With IAP in place, several key functions of Islamic banks in managing IA are embedded within its system, thus enabling IA products to be delivered in an efficient and seamless manner.

How it Works

Sponsoring Banks (SBs)

Investors(Sources of fund)

Ventures(Users of fund)

ISLAMICBANK

Channel funds toventures of their choice

Providefinancing

Strong roles played by banks, in line with their fiduciary duty

• Individual investors• Corporate and

institutional investors• Islamic banks• Government (to support

target industries)

• Due-diligence• Performance monitoring• Suitability assessment• Investment management

• Target ventures include those businesses with viable projects, and new growth industries

$$

Facilitated by

ObtainInformation

ChooseInvestment

RaiseFunding

An avenue for Shariah- compliant investment and financing

Transactions regulated by the Islamic Financial Services Act 2013 (IFSA) and Development Financial Institutions Act 2002 (DFIA)

Credit assessment and screening on the listed ventures by participating Islamic banks

Ratings on the listed ventures by a reputable rating agency

Compliance to disclosure standard on ventures facilitate investors’ informed decision making

User friendly and easily accessible anywhere, anytime

4

Key features of IAP

Source: BNM

SUCCESS STORIES MADE POSSIBLE BY IAP

Campaign Period: 26 April - 9 May 2016For all individual and institutional investors

Product Terms for Perak Transit BerhadFund Raising Amount: RM10,000,000-00

Investment Tenure: 3 years

Expected Profit Rate (EPR): 6.50% per annum

Quarterly distribution of return and principal amount

Rated bbb2 by RAM Solutions Sdn Bhd Minimum investment amount of RM10,000-00

Premature withdrawal is not allowed

Principal is not guaranteed by the Bank or insured by Perbadanan Insurans Deposit Malaysia (PIDM)

Sponsoring Bank Venture Owner and Operator of IAPContact Our

Investment Banking Department03-2692 8328

*For more details on venture and terms & conditions, log on to:www.iaplatform.com

03-2272 2272

IntroducingBank Muamalat'sFirst Restricted Investment Account (RIA)via Investment Account Platform (IAP)

KOBIMBING

PERAK TRANSIT BERHAD

ICT ZONE

2

• Specific legislation for establishment of Islamic banks and takaful operators

• Legislation enabling government to tap Shariah-compliant means of funding

• Distinct aspect of Shariah compliance in Islamic financial transactions

• Specific regulation allowing establishment

of Islamic windows

• Formation of Shariah Advisory Council at BNM

• Establishment of Islamic interbank market

• Recognition of investment account (IA) under IFSA which paves the way for diversification of Islamic banking business

• Requirement to observe end-to-end Shariah compliance by Islamic financial institutions

• Recognition on the dual financial system in Malaysiaand BNM’s mandate in

developing the Islamic financial system

• Entrance of foreign Islamic banks and Islamic subsidiaries

• Establishment of various talent development

institutions (e.g. IBFIM, INCEIF, ISRA)

• Launch of MIFC as a national agenda to promote the Malaysian Islamic finance industry internationally

1980s 1990s 2000s 2010s

Source: Bank Negara MalaysiaNote: IBFIM – Islamic Banking and Finance Institute Malaysia; INCEIF – International Centre for Education in Islamic Finance; ISRA – International Shariah Research Academy for Islamic Finance; MIFC – Malaysia International Islamic Financial Centre

Exciting future for Islamic financeThe Islamic Financial Services Act 2013 (IFSA) sets an enabling environment for Islamic banks to diversify their roles through recognition of investment account (IA) as an alternative way of sourcing funds from the public.

Both investors and ventures can benefit from greater adoption of risk-reward concepts, structured based on a wider range of Shariah contracts.

IA requires strong intermediation roles of Islamic banks which professionally manage the IA funds in the best interest of investors.

Engineering seamless investment experienceTo facilitate successful delivery of IA, the Investment Account Platform (IAP) has been developed.

The IAP not only seamlessly embeds several financial intermediary functions within its system, but also serves as a centralised point in matching investors with viable ventures that suit their risk appetite.

This serves as a crucial step for the industry in further diversifying the Islamic banking business, and ultimately benefiting the real economy.

IAP: A STRATEGIC INITIATIVE FOR THE ISLAMIC FINANCE INDUSTRY


Phase I• Building the foundation

Phase II• Institutional building

Phase III• Emergence of dual financial system• Strengthen Islamic finance landscape

Phase IV• Diversification of business• Strengthen Shariah compliance

SUCCESS STORIES MADE POSSIBLE BY IAP

Campaign Period: 26 April - 9 May 2016For all individual and institutional investors

Product Terms for Perak Transit BerhadFund Raising Amount: RM10,000,000-00

Investment Tenure: 3 years

Expected Profit Rate (EPR): 6.50% per annum

Quarterly distribution of return and principal amount

Rated bbb2 by RAM Solutions Sdn Bhd Minimum investment amount of RM10,000-00

Premature withdrawal is not allowed

Principal is not guaranteed by the Bank or insured by Perbadanan Insurans Deposit Malaysia (PIDM)

Sponsoring Bank Venture Owner and Operator of IAPContact Our

Investment Banking Department03-2692 8328

*For more details on venture and terms & conditions, log on to:www.iaplatform.com

03-2272 2272

IntroducingBank Muamalat'sFirst Restricted Investment Account (RIA)via Investment Account Platform (IAP)

KOBIMBING

PERAK TRANSIT BERHAD

ICT ZONE

2

NEW WAY OF INVESTING AND RAISING FUNDS

What is IAP?The Investment Account Platform (IAP) is a multi-bank platform that facilitates channelling of funds from investors to finance viable ventures. Funds mobilised via IAP are intermediated by participating Islamic banks through investment account (IA) products.

IAP allows investors to view and choose from a wide range of ventures sponsored by different Islamic banks for the investors to invest in. With IAP in place, several key functions of Islamic banks in managing IA are embedded within its system, thus enabling IA products to be delivered in an efficient and seamless manner.

How it Works

Sponsoring Banks (SBs)

Investors(Sources of fund)

Ventures(Users of fund)

ISLAMICBANK

Channel funds toventures of their choice

Providefinancing

Strong roles played by banks, in line with their fiduciary duty

• Individual investors• Corporate and

institutional investors• Islamic banks• Government (to support

target industries)

• Due-diligence• Performance monitoring• Suitability assessment• Investment management

• Target ventures include those businesses with viable projects, and new growth industries

$$

Facilitated by

ObtainInformation

ChooseInvestment

RaiseFunding

Promote &Advertise

An avenue for Shariah- compliant investment and financing

Transactions regulated by the Islamic Financial Services Act 2013 (IFSA) and Development Financial Institutions Act 2002 (DFIA)

Credit assessment and screening on the listed ventures by participating Islamic banks

Ratings on the listed ventures by a reputable rating agency

Compliance to disclosure standard on ventures facilitate investors’ informed decision making

User friendly and easily accessible anywhere, anytime

Open to different types of business and ventures of varying size and industries

4

Key features of IAP

Source: BNM

Roles of Islamic banks in operationalising IA

WHAT IS IA AND HOW IT RELATES TO IAP

IA is a recent product offering by Islamic banks that provides investors with an opportunity to directly invest and share the profits from Shariah-compliant investment activities. Islamic banks undertake significant roles in IA transactions in intermediating funds from investors.

Key features of IA

Conduct suitability assessment toassess eligibility and risk appetite

of individual investors

Provide disclosures on theunderlying ventures and their

related risk-return profiles

Recommend appropriateproducts in line with investors’

risk appetite

Propose Shariah contracts which will define the intermediary role and basis

for attributing returns generated to the banks and the investors

Match funds received withunderlying ventures accordingto the investment mandate

Conduct due diligence onprospective ventures to ensurethe risks undertaken are aligned with the investment mandate

Ensure proper governance tosafeguard investors’ interestsand the banks’ reputation

Maintain clear separation of funds tofacilitate distributions of principal andreturns, and resolution on winding-up

2. Application of funds1. Acceptance of funds

3. Continuous roles

Individual andinstitutional investors

INVESTORS PLACE FUNDS IN ISLAMIC BANKS UNDER IA

Ventures

ISLAMIC BANKS CHANNEL IA TO FINANCE VENTURES

ISLAMIC BANK

Conduct regularmonitoring

Reportperformance toinvestors

Distribute profit toinvestors at pre-agreed term

Identify exit mechanismand perform recovery,if required

Source: BNM


Investors can specify where funds are channelled to (i.e. choice of underlying ventures to invest in)

IA represents the contractual relationship between the investors and the Islamic banks

Investors may define investment mandate and eligibility criteria for the financing (e.g. investment tenure and types of industry) to Islamic banks

Returns of IA are based on the performance of underlying ventures (i.e. Islamic banks will enter into a different contractual relationship with venture owners)

Similar to other investments in the market, funds placed under IA are not capital protected. IA is not guaranteed by PIDM




www.iaplatform.com

03 2272 2272 03 2272 2282

[email protected]

Why should I invest via IAP Potential high returns: Under IA, returns to investors are based on performance of the underlying ventures that they choose to invest in. Possible upside returns may be generated from the profit of debt-based financing under a broader set of credit criteria and more efficient capital and liquidity management strategies of Islamic banks in offering equity-based financing structures

Bank-intermediated: Islamic banks undertake significant roles in intermediating investors’ funds including filtering of viable ventures, conducting suitability assessment on individual investors and continuous performance monitoring of underlying ventures

Independent rating on ventures: Performed by a professional rating agency with extensive experience in rating of financial instruments, facilitating informed decision making by investors

Broader choices: Investors can filter the ventures listed based on their desired criteria. This is especially useful to investors with specific investment mandates


What I need to know about IAP investments Investment fund size: Investment participation per investor shall be the multiples of minimum investment amount at the point of offering Underlying currency: Ringgit Malaysia (Investment denominated in foreign currency will be offered in the future)

Tenure: The tenure of IA shall match the tenure of underlying financing asset

Payment frequency: Principal and profit will be paid either periodically or upon maturity

Performance report: To be provided on periodical basis

Redemption of investment: At maturity date

Profit distribution: Based on profit sharing ratio or expected profit rate

Loss treatment: Losses will be borne by investors provided that they are not due to Islamic bank’s breach of specified terms

GROW YOUR FUNDS WITH CONFIDENCE

Investing via IAP

6

Who should undertake SAIndividual investors are required to undertake SA under BNM requirements. Institutional investors are not required to do so as they are deemed to have sufficient resources in supporting informed investment decision making.

Why is SA requiredSA is a mechanism for Islamic banks to assist investors to choose ventures which are in line with their respective risk appetite. Investors would be alerted should they choose to invest beyond their risk tolerance.

What will be assessed in SASA will assess investors on three key areas namely financial capabilities, investment needs and appetite, as well as investment knowledge and experience.

How is SA performed on IAPSA function is embedded on IAP. Investors will be prompted to undergo SA before choosing to invest in any ventures listed on the platform. The SA score obtained by each investor will be valid for one year.

IAP will also alert investors should they select ventures that are beyond their risk appetite. Investors will be asked to seek additional consultation at dedicated branches of participating Islamic banks before proceeding with their investment decision.

Suitability Assessment (SA) on investors

Simple steps for investment

6 754321

(Processes conducted through )

Receive periodical report on venture

Receive profit and principal

Islamic bank to create InvestmentAccount for investors

Islamic bank to facilitatepayment of the investment

Undertake suitability assessment

View and select venture

Register as an IAP user

Is IAP regulated?The IA offerings and transactions conducted by Islamic banks on the platform are regulated under IFSA and DFIA.

Invest via IAP todayThis web-based platform incorporates simple and user-friendly features as well as supporting tools that facilitate informed investment decision making and smooth investment process.


To register and for further information on IAP, please visit our website at

www.iaplatform.com

Interested? Register as an IAP user today!

DISCLAIMERThe content of this brochure is for general information purposes only. The content contained does not constitute legal, financial or investment advice and neither does it make any recommendation or endorsement regarding the product mentioned herein. Although care has been taken to ensure the accuracy of the information within this brochure, Raeed Holdings and IAP Integrated do not warrant or represent, expressedly or impliedly as to the accuracy or completeness of the information herein. Raeed Holdings and IAP Integrated do not accept any liability for any investment decisions made on the basis of this information. You are advised to seek independent advice and/ or consult relevant laws, regulations and rules prior to investing or undertaking any financial transaction.

You may also email us at

[email protected]

Competitive financing terms: Financing application by ventures can be assessed simultaneously by all participating Islamic banks. Venture owners can then choose the best financing offer that suits their needs

Variation in financing structures: Diverse types of financing are possible on IAP including debt-based financing, equity-based or hybrid of the two

Visibility: IAP provides access to a broad range of individual and institutional investors, thus placing ventures within the radar of potential customers which privilege is normally available to established companies


Why should I raise financing via IAP

Financing facilities available on IAP

Capital expenditure• A financing facility provided for a specific amount and to

be paid within a specific timeframe as agreed upfront• To fund short or long-term financing needs

Working capital• Provide short-term financing to ventures for working

capital requirements

Per project basis• To be structured according to specific project financing

requirement• No specific timeframe of payment features

What I need to know about raising fundsAmountRM500,000 and aboveTypes of venturesAny types of business in various industries (including SMEs, PLCs, MNCs, GLCs, federal and state-owned institutions)TenureUp to 5 years (longer tenure can also be provided with advice from Islamic banks)Assessment criteriaCreditworthiness and viability of the ventures

FINANCE YOUR BUSINESS EFFICIENTLY

Raising funds via IAP:

8

To Islamic banks and RAMSimilar to common financing applications to banks

Why?Vital to facilitate assessment on viability and creditworthiness of ventures and projects

To IAP usersDetails on the company, project and financing required, PDS** as per requirement of BNM as well as ratings assigned by RAM

Why?For ventures to be able to earn investors’ trust to invest in their business or projects during listing on IAP

To investorsProgress of the venture and payment of profits and principal is on a periodical basis

Why?To report on the performance of ventures to investors

What are the costs involved?• Financing rate which will be negotiated with Islamic banks• Listing and rating fees which are commercially competitive

SUBMIT YOUR FINANCING APPLICATION TODAY

**Note: Product Disclosure Sheet (PDS) is a product-specific disclosure about a particular venture to be prepared by Islamic bank together with the venture owner to facilitate informed decision-making by potential investors.


How much information do I need to disclose?

Submitapplication online

(subsequent follow-ups by Islamic banks)*

Islamic banks to conduct

due diligence on venture application

Negotiation of financing termsand conditions

Islamic banks to

disburse funds upon successful fundraising

Islamic banks

to floatventure on IAP

Independentrating

on venture

1

2

3

4 6

5*Note: Venture owners may also apply for fundraising via IAP by visiting the branches of participating Islamic banks

Processes conducted

through


Various institutions have specific mandates or objectives that need to be achieved. Strategic collaborations can be explored by these institutions with IAP and Islamic banks to achieve common objectives.

How is IAP useful to my institution

Efficient channelling of grants or funding

Through IAP, institutions can leverage on the strength of Islamic banks to assess the viability of ventures that can receive the grants managed by these institutions. The institutions would also receive regular progress reports on the ventures.

By streamlining the assessment criteria between the institutions and Islamic banks on IAP, they can also open these ventures to be invested by the private sector, therefore further expanding the potential users of the grants available to benefit more ventures.

New investment avenue for cornerstone investors

Institutional investors can establish a special scheme with a dedicated amount of funds to be channelled in ventures that meet certain set of criteria set by the investors. In return, the investors can be allocated with a portion of investment in those qualified ventures, thus assisting the investors in achieving their target return.

Enhanced financing opportunities for strategic ventures

Institutions with mandate to develop specific industries can support ventures in those industries by providing a letter of support backing these ventures. This will enhance opportunities of these ventures in obtaining financing from investors via IAP.

POTENTIAL STRATEGIC COLLABORATION TO ACHIEVE COMMON OBJECTIVES

Rating scale and definitions used on IAP

POTENTIAL COLLABORATION

TYPES OF INSTITUTIONSInstitutions managing government

grants or dedicated funds for specific target groups Pension funds, insurance/takaful

companies, fund managementcompanies etc.

Institutions with mandateto develop targeted industries


Enhanced financingopportunities forstrategic venturesNew investment

avenue

Rating Symbol* Credit Qualityaaa Superioraa Higha Adequate

bbb Moderatebb Lowb Very Lowc High likelihood of defaultd Default

* Suffixes 1, 2 and 3 are applied to ratings in the six rating categories from “aa” to “c” to denote the higher and lower end of the respective rating band (e.g. bbb1, bbb2, bbb3)

Why is credit rating necessaryBefore ventures are listed on IAP, they will be independently reviewed and assigned a credit rating by a professional rating agency. This credit rating is to assist potential investors in making informed investment decisions. For institutional investors, a credit rating is useful in monitoring compliance with their respective internal risk limitations.

What does credit rating meanCredit rating reflects opinions on the capacity and willingness of a venture to meet the payment of capital and expected returns on a full and timely basis from the perspective of the rating agency.

While credit ratings can be used as a reference to gauge an appropriate level of returns considering the risks involved, it is not a recommendation to buy, sell or hold investment, and does not signify any measure to define good or bad ventures.

Process flow of venture assessment

What I need to know about credit rating on IAP

Credit rating will be conducted by RAM which has over 25 years of experience in rating bonds and sukuk

Ratings are benchmarked against existing methodology and rating scale which institutional and corporate investors are familiar with

Ratings are one-off, issue-specific and reflect the position at the inception of the financing

Investors will have access to a rating rationale for each rating on ventures listed on IAP

RAM

• Provides information to Islamic bank

• Conduct internal credit assessment

• Forward venture information to rating agency

• Conduct independent credit assessment and ratings

• Forward rating and its review to Islamic bank for listing on IAP

VENTURE

ISLAMIC BANK

PROFESSIONALRATING AGENCY

IAP

• Post venture information and rating review on theplatform

10

ASPIRING CONFIDENCE AMONGST INVESTORS

Independent rating on ventures:


Various institutions have specific mandates or objectives that need to be achieved. Strategic collaborations can be explored by these institutions with IAP and Islamic banks to achieve common objectives.

How is IAP useful to my institution


Through IAP, institutions can leverage on the strength of Islamic banks to assess the viability of ventures that can receive the grants managed by these institutions. The institutions would also receive regular progress reports on the ventures.

By streamlining the assessment criteria between the institutions and Islamic banks on IAP, they can also open these ventures to be invested by the private sector, therefore further expanding the potential users of the grants available to benefit more ventures.

New investment avenue for cornerstone investors

Institutional investors can establish a special scheme with a dedicated amount of funds to be channelled in ventures that meet certain set of criteria set by the investors. In return, the investors can be allocated with a portion of investment in those qualified ventures, thus assisting the investors in achieving their target return.

Enhanced financing opportunities for strategic ventures

Institutions with mandate to develop specific industries can support ventures in those industries by providing a letter of support backing these ventures. This will enhance opportunities of these ventures in obtaining financing from investors via IAP.

POTENTIAL STRATEGIC COLLABORATION TO ACHIEVE COMMON OBJECTIVES

Rating scale and definitions used on IAP

POTENTIAL COLLABORATION

TYPES OF INSTITUTIONSInstitutions managing government

grants or dedicated funds for specific target groups Pension funds, insurance/takaful

companies, fund managementcompanies etc.

Institutions with mandateto develop targeted industries


Enhanced financingopportunities forstrategic venturesNew investment

avenue

Rating Symbol* Credit Qualityaaa Superioraa Higha Adequate

bbb Moderatebb Lowb Very Lowc High likelihood of defaultd Default

* Suffixes 1, 2 and 3 are applied to ratings in the six rating categories from “aa” to “c” to denote the higher and lower end of the respective rating band (e.g. bbb1, bbb2, bbb3)

To Islamic banks and RAMSimilar to common financing applications to banks

Why?Vital to facilitate assessment on viability and creditworthiness of ventures and projects

To IAP usersDetails on the company, project and financing required, PDS** as per requirement of BNM as well as ratings assigned by RAM

Why?For ventures to be able to earn investors’ trust to invest in their business or projects during listing on IAP

To investorsProgress of the venture and payment of profits and principal is on a periodical basis

Why?To report on the performance of ventures to investors

What are the costs involved?• Financing rate which will be negotiated with Islamic banks• Listing and rating fees which are commercially competitive

SUBMIT YOUR FINANCING APPLICATION TODAY


How much information do I need to disclose?

Submitapplication online

(subsequent follow-ups by Islamic banks)*

Islamic banks to conduct

due diligence on venture application

Negotiation of financing termsand conditions

Islamic banks to

disburse funds upon successful fundraising

Islamic banks

to floatventure on IAP

Independentrating

on venture

1

2

3

4 6

5*Note: Venture owners may also apply for fundraising via IAP by visiting the branches of participating Islamic banks

VALUE PROPOSITIONS OF IAP

How is IAP different from other fund-raising platformsThere has been an emergence of technology-based fund-raising platforms that allow investors to choose the underlying ventures for them to invest in. A key difference of IAP is the intermediation rolesof Islamic banks embedded in the operationalisation of IA offered on the platform. IAP also features independent rating on the ventures intended to facilitate investors in making informed investment decisions.

IAP also targets a wider range of underlying ventures such as SMEs, listed firms and multinational companies to raise funds on the platform. This is in contrast with some other fund-raising platforms which are aimed to enhance the financial accessibility of start-ups and SMEs and can be equity-driven.

12

How is IAP different from other fund-raising platformsThere has been an emergence of technology-based fund-raising platforms that allow investors to choose the underlying ventures for them to invest in. A key difference of IAP is the intermediation rolesof Islamic banks embedded in the operationalisation of IA offered on the platform. IAP also features independent rating on the ventures intended to facilitate investors in making informed investment decisions.

IAP also targets a wider range of underlying ventures such as SMEs, listed firms and multinational companies to raise funds on the platform. This is in contrast with some other fund-raising platforms which are aimed to enhance the financial accessibility of start-ups and SMEs and can be equity-driven.

To register and for further information on IAP, please visit our website at

www.iaplatform.com

Interested? Register as an IAP user today!

DISCLAIMERThe content of this brochure is for general information purposes only. The content contained does not constitute legal, financial or investment advice and neither does it make any recommendation or endorsement regarding the product mentioned herein. Although care has been taken to ensure the accuracy of the information within this brochure, Raeed Holdings and IAP Integrated do not warrant or represent, expressedly or impliedly as to the accuracy or completeness of the information herein. Raeed Holdings and IAP Integrated do not accept any liability for any investment decisions made on the basis of this information. You are advised to seek independent advice and/ or consult relevant laws, regulations and rules prior to investing or undertaking any financial transaction.

You may also email us at

[email protected]

Who should undertake SAIndividual investors are required to undertake SA under BNM requirements. Institutional investors are not required to do so as they are deemed to have sufficient resources in supporting informed investment decision making.

Why is SA requiredSA is a mechanism for Islamic banks to assist investors to choose ventures which are in line with their respective risk appetite. Investors would be alerted should they choose to invest beyond their risk tolerance.

What will be assessed in SASA will assess investors on three key areas namely financial capabilities, investment needs and appetite, as well as investment knowledge and experience.

How is SA performed on IAPSA function is embedded on IAP. Investors will be prompted to undergo SA before choosing to invest in any ventures listed on the platform. The SA score obtained by each investor will be valid for one year.

IAP will also alert investors should they select ventures that are beyond their risk appetite. Investors will be asked to seek additional consultation at dedicated branches of participating Islamic banks before proceeding with their investment decision.

Suitability Assessment (SA) on investors

Simple steps for investment

6 75432

(Processes conducted through )

Receive periodical report on venture

Receive profit and principal

Islamic bank to create InvestmentAccount for investors

Islamic bank to facilitatepayment of the investment

Undertake suitability assessment

View and select venture

Is IAP regulated?The IA offerings and transactions conducted by Islamic banks on the platform are regulated under IFSA and DFIA.

Invest via IAP todayThis web-based platform incorporates simple and user-friendly features as well as supporting tools that facilitate informed investment decision making and smooth investment process.





www.iaplatform.com

03 2272 2272 03 2272 2282

[email protected]

Documents

Avenue of Choice for your Investment and Fund Raising IAP allows investors to view and choose from a wide range of ventures sponsored by diﬀerent Islamic banks for the investors