Investment Services to Help Grow Your Wealth

Futures Trading

Extensive local and foreign futures products
Convenient online trading platforms
Night desk support during global trading hours
Comprehensive futures research reports
Regular education seminars to coach customers

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Share Trading

Trade in local and foreign markets
Receive daily trading ideas
Complimentary online trading account to trade through 3 channels

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Foreign Exchange Linked Investments

Make potential gains from investment products linked to foreign exchange rates.

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Interest Rate Linked Investments

Benefit from potential higher returns from interest rate movements in the market.

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Commodity Linked Investments

Profit from potential returns generated by movements in commodity prices.

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Mutual Fund Linked Investments

Enjoy potential gains from investment products linked to mutual funds and indexes.

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Share Trading

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.

Open a normal share trading account with us and gain access to our wide network of professional dealer’s representatives. As RHB’s client, you are offered the convenience of a complimentary online trading account to trade through 3 channels from website, desktop app or mobile app. At the same time, clients can also choose to open a Shariah trading account with us as we offer Islamic broking services. For traders who are inclined, Intraday Short Selling (IDSS) is also available as well.

Beyond Bursa Malaysia, RHB offers top global trading exchanges for your share trading needs. Access to stock quotes, charts, research reports and latest financial news from our online portal or your dealer’s representative.

As one of Malaysia's largest investment banks, RHB maintains a crucial presence stretched across the Asian region. At home, the bank serves the needs of investors throughout the country with an extensive network of branches and share trading centres at strategic locations.

Learn more about share trading and how to become a better trader through RHB's multifaceted events conducted by experts throughout the nation that are exclusively organised for RHB clients.

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Whether it's technical or fundamental, our award winning research team covers local and foreign market reports to support your share trading needs. Coupled with a powerful online research portal, RHB clients will receive the daily trading ideas.

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Foreign Exchange Linked Investments

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.

Trade Date	25 March 2014	Start Date	27 March 2014
Expiry Date	29 December 2014	Maturity Date	31 December 2014
Currency Pair	USD/CNH	Investment Amount	USD 100,000
Minimum Interest Rate	2.00%	Maximum Interest Rate	5.00%
Trigger Rate for Scenario 1,2 & 3	6.02	Trigger Rate for Scenario 4 & 5	5.90
Spot Rate on Trade Date	5.95

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.

Principal-protected investment that pays you a return if the underlying asset reaches the Trigger Rate anytime during the investment period.

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 One-Touch and the 'Trigger Rate'. The Trigger Rate which is a fixed upfront is the exchange rate of the currency pair which determines whether the Investor will receive the minimum or maximum interest on the Maturity Date. If the Spot Rate of the currency pair touches or equals to the Trigger Rate at any point in time during the Observation Period, the Investor will receive the Maximum Interest Rate. Otherwise, the Minimum Interest Rate will be paid to the Investor. The Observation Period for the One-Touch starts from the Trade Date and continues 24 hours each day until 2pm Kuala Lumpur local time on the Expiry Date. Please take note that the Minimum Interest Rate can be zero depending on the terms of the particular One-Touch Investment.

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

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

Trade Date	25 March 2014	Start Date	27 March 2014
Expiry Date	29 December 2014	Maturity Date	31 December 2014
Currency Pair	USD/CNH	Investment Amount	USD 100,000
Minimum Interest Rate	2.00%	Maximum Interest Rate	4.00%
Trigger Rate	6.02

Scenario 1: USD/CNH does not touch or does not equal to the Trigger Rate of 6.02 during the Observation Period from Trade Date (25 March 2014) until 2pm KL time on Expiry Date (29 December 2014). On the Maturity Date (31 December 2014), the Investor receives the Minimum Interest Rate of 2% plus the initial Investment Amount:-

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: USD/CNH touches or equals to the Trigger Rate of 6.02 on 3 July 2014 (within the Observation Period). On the Maturity Date, the Investor receives the Maximum Interest Rate of 4% plus the initial Investment Amount:

Investment Amount + (Investment Amount x Maximum Interest Rate)
= USD 100,000 + (USD 100,000 X 4.00%)
= USD 100,000 + USD 4,000
= USD 104,000

Scenario 3: On 1 July 2014, which is before the Maturity Date, the Investor decides to cancel their investment. The actual amount to be returned to the Investor depends on the Spot Rate of the currency pair less any unwinding cost arising from the cancellation. The Investor may receive an amount less than their initial investment:

Unwinding Cost for premature termination/cancellation:

Cancellation Date	1 July 2014
Investment Amount	USD 100,000
Unwinding Cost	(USD 900)
Total Amount Redeemed (USD 100,000 - USD 900)	USD 99,100

The Investor receives USD 99,100 which is less than the initial Investment Amount of USD 100,000 due to 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.

A principal-protected investment that pays you a return if the underlying stays within the Range throughout the investment period.

Overview
Double No-Touch Structured Investment (‘Double No-Touch’) is a principal-protected investment with an embedded reference derivative. 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 Double No-Touch and the ‘Range’. The Range which is fixed upfront is a set of exchange rates of the currency pair which forms the upper and lower limit for the Double No-Touch. The Range determines whether the Investor will receive a Minimum or Maximum Interest Rate on the Maturity Date. If the Spot Rate of the currency pair stays within the Range (i.e. lower limit < Spot Rate < upper limit) at all times during the Observation Period, the Investor will receive the Maximum Interest Rate. If the Spot Rate of the currency pair equals to the upper or lower limit (OR moves outside of the Range i.e. Spot Rate ≥ upper limit OR Spot Rate ≤ lower limit) at any time during the Observation Period, the Investor will receive the Minimum Interest Rate. The Observation Period for the Double No-Touch starts from the Trade Date and continues 24 hours each day during the Tenor of the Double No-Touch until 2pm KL time on Expiry Date. Please take note that the Minimum Interest Rate can be zero depending on the terms of the particular Double No-Touch Investment.

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 outcome from this investment:

Trade Date	25 March 2014	Start Date	27 March 2014
Expiry Date	29 December 2014	Maturity Date	31 December 2014
Currency Pair	USD/CNH	Investment Amount	USD 100,000
Base Currency Minimum Interest	USD	Alternate Currency Maximum Interest	CNH
Rate	1.00%	Rate	6.00%
Range	6.03 - 6.30

Scenario 1: USD/CNH moves outside the Range of 6.03 - 6.30 (i.e. Spot Rate for USD/CNH is 6.00 on 3 July 2014) within the Observation Period starting on the Trade Date (25 March 2014) until 2pm KL time on the Expiry Date (29 December 2014). Investor will receive the Minimum Interest Rate of 1% plus 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 1.00%)
= USD 100,000 + USD 1,000
= USD 101,000

Scenario 2: USD/CNH stays within the Range of 6.03 – 6.30 (i.e. 6.03 < Spot Rate < 6.30) at all times during the Observation Period from Trade Date (25 March 2014) until Expiry Date (29 Dec 2014) at 2pm KL time. Investor will receive the Maximum Interest Rate of 6% 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 6.00%)
= USD 100,000 + USD 6,000
= USD 106,000

Scenario 3: On 1 July 2014, which is before the Maturity Date, Investor decides to cancel the 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 the 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.

Foreign exchange linked structured product.

Overview
With an embedded derivative (the Reference Derivative) linked to the performance of a pair of currencies, Dual Currency Investment (DCI) allows the investor to enjoy potentially higher returns compared with traditional deposits.

Prior to making an investment you 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. On maturity, you will receive the initial investment amount either in the Base Currency or the Alternate Currency depending on where the prevailing exchange rate of the currency pair settles against the Conversion Rate on the Expiry Date.

The Base Currency refers to the currency in which the initial Investment is made and Alternate Currency is the second currency of the chosen currency pair to be paired with the Base Currency for the DCI.

The initial investment will always be repaid in the weaker currency as determined on the Expiry Date. Regardless of the currency in which the initial investment amount is returned to you, the interest payable on the DCI will always be paid in the Base Currency. If the prevailing exchange 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 is not a principal protected investment.

for Redemption at Maturity

Trade Date	25 March 2014	Start Date	27 March 2014
Expiry Date	1 April 2014	Maturity Date	3 April 2014
Currency Pair	AUD/USD	Investment Amount	AUD 100,000
Base Currency	AUD	Alternate Currency	USD
Conversion Rate	0.9120	Investment Tenor	7 days
Interest Rate	9% p.a.

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

Scenario 1: The Base Currency weakens against the Alternate Currency. The Investment Amount will not be converted on the Expiry Date. On the Maturity Date you will receive:

Investment Amount in the Base Currency + Interest in the Base Currency
= AUD 100,000 + AUD 175
= AUD 100,175

Calculations: Interest = Investment Amount x Interest Rate x Investment Tenor/Day Count Convention
= AUD 100,000 x 9.00% x 7/360
= AUD 175

Scenario 2: The Base Currency strengthens against the Alternate Currency. The Investment Amount will be converted on the Expiry Date. On the Maturity Date you will receive:

Investment Amount in the Alternate Currency + Interest in the Base Currency
= USD 91,200 + AUD 175

Calculations
Investment Amount will be converted to the Alternate Currency at the Conversion Rate
= AUD 100,000 x 0.9120
= USD 91,200

Interest in the Base Currency = Investment Amount in Base Currency x Interest Rate x Investment Tenor/ Day Count Convention
= AUD 100,000 x 9.00% x 7/360
= AUD 175

Warning: DCI is not principal protected. If your investment is repaid in the Alternate Currency on maturity, and you choose to immediately convert it back to the Base Currency, you may receive less than the original Investment Amount.

Scenario 3: The Spot Rate is equal to the Conversion Rate on the Expiry Date.

For scenario 3, the Bank has the sole discretion to determine whether the Investment Amount will be repaid in the Base Currency (AUD 100,000) or the Alternate Currency(USD 91,200). The Interest earned will be paid in the Base Currency (AUD 175)

Scenario 4: Unwinding Cost for Premature Termination/Cancellation

If the investment is terminated /cancelled before the maturity date, the actual amount to be returned to the Investor might be less than the initial Investment Amount.

Unwinding Cost for Premature Termination/Cancellation :

Cancellation Date	28 March 2014
Investment Amount	AUD 100,000
Cost of Funding	(AUD 320)
Cost of Terminating the embedded Reference Derivative	(AUD 250)
Total Amount Redeemed [AUD 100,000 - (AUD 320+250)]	AUD 99,430

Investor receives AUD 99,430 which is less than the initial Investment Amount of AUD 100,000 due to unwinding cost on premature withdrawal.

Frequently Ask Questions
Are there any restrictions to opening a DCI Account?
A minimum investment of MYR 50,000 is required and this product is made available only to individuals with:

Net personal assets exceeding RM3million or its equivalent in foreign currencies,

Gross annual income exceeding RM300,000 p.a. or its equivalent in foreign currencies,
Total net joint assets with spouse exceeding RM3million or its equivalent in foreign currency excluding the value of their primary residence,
Total joint gross annual income with spouse exceeding RM400,000 p.a. or its equivalent in foreign currencies; OR corporate/partnership that has total net assets exceeding RM10million or its equivalent in foreign currency as at the last day of that financial year.

What are the benefits of opening a DCI Account?

No annual / management fee
Potential to earn higher interest rates than a local MYR deposits account
Short term investment with tenures as short as 1 week
Diversification of investment

Can I cancel my DCI deal?

Yes. However the costs of early cancellation may reduce the amount of principal repayable. As such, it is not advisable to cancel your Dual Currency Investment account deal prior to its maturity.

Who might find this investment suitable?

An investor who is indifferent to either currency selected, has a need for both currencies, wants to diversify an investment portfolio and who is willing to accept exchange rate risks associated with this investment

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

Overview
At the inception of the investment, the Investor agrees to the underlying currency pair and its Range. The Range which is fixed upfront is a set of exchange rates of the currency pair which forms the upper and lower limit for the FX-Range Accrual. The performance of the underlying currency pair 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 Spot Rate of the underlying currency pair is within the Range (i.e. Lower Limit ≤ Spot Rate ≤ Upper Limit) for each Observation Period.

If the Spot Rate stays within the Range every day of the Observation Period, the Investor will receive the Maximum Interest Rate. If the Spot Rate stays outside the Range every day during the Observation Period, the Investor will receive the Minimum Interest Rate. If the Spot 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 Spot Rate stays within the Range during the Observation Period.

Depending on the terms of the particular FX-Range Accrual, it may include a Callable feature which gives RHB Bank the right to terminate the FX-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 either receive the Minimum, Maximum or the Participating Interest Rate from this Investment. The following are illustrations of the possible outcome from this Investment:

Trade Date	3 Feb 2015	Start Date	5 Feb 2015
Observation Period	First Observation Period = 5 Feb 2015 - 3 Aug 2015 (or 179 days) Second Observation Period = 5 Aug 2015 - 3 Feb 2016 (or 182 days)	Maturity Date	First Period = 5 Feb 2015 - 5 Aug 2015 (181 days) Second Period = 5 Aug 2015 - 5 Feb 2016 (184 days)
Expiry Date	3 Aug 2015; 3 Feb 2016	Investment Amount	5 Aug 2015 ; 5 Feb 2016
Maturity Date	5 Feb 2016	Maximum Interest Rate	USD/MYR
Investment Amount	MYR 100,000	Trigger Rate for Scenario 4 & 5	3.4900 - 3.6200
Minimum Interest Rate (Rmin)	1.00% p.a.	Maximum Interest Rate (Rmax)	5.75% p.a.
Participating Interest Rate	1.00% p.a.≤ Participating Interest Rate ≤ 5.75% p.a.	Interest Payment Frequency	Semi Annually

The Interest Amount is payable in the Investment Currency and is calculated based on the below 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 Spot 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: USD/MYR stays outside the Range of 3.4900 – 3.6200 every day during the Observation Period starting from 5 Feb 2015 to 3 Aug 2015. The number of days interest is accrued for this Observation Period is 0 days. The Investor will receive the Minimum Interest of MYR 495.89 for that Observation Period on the Interest Payment Date (5 Aug 2015):

Investment Amount x [(Rmin) + (Rmax – Rmin) x n*/M**] x Actual number of days / Day Count Convention***
= MYR 100,000 x [(1.00%) + (5.75% - 1.00%) x 0/179] x 181/365
= MYR 495.89

Please take note that the initial Investment Amount will only be paid on the Maturity Date (5 Feb 2016) which will be the final Interest Payment Date

Scenario 2: USD/MYR stays within the Range of 3.4900 – 3.6200 every day during the Observation Period starting from 5 Feb 2015 to 3 Aug 2015. The number of days interest is accrued for this Observation Period is 179 days. The Investor will receive the Maximum Interest of MYR 2,851.37 for that Observation Period on the Interest Payment Date (5 Aug 2015):

Investment Amount x [(Rmin) + (Rmax – Rmin) x n*/M**] x Actual number of days / Day Count Convention***
= MYR 100,000 x [(1.00%) + (5.75% - 1.00%) x 179/179] x 181/365
= MYR 2,851.37

Please take note that the initial Investment Amount will only be paid on the Maturity Date (5 Feb 2016) which will be the final Interest Payment Date

Scenario 3: USD/MYR stays within the Range of 3.4900 – 3.6200 for 110 days during the Observation Period starting from 5 Feb 2015 to 3 Aug 2015. The number of days interest is accrued for this Observation Period is 110 days. The Investor will receive the Participating Interest of MYR 1,943.39 for that Observation Period on the Interest Payment Date (5 Aug 2015):

= Investment Amount x [(Rmin) + (Rmax – Rmin) x n*/M**] x Actual number of days / Day Count Convention***
= MYR 100,000 x [(1.00%) + (5.75% - 1.00%) x 110/179] x 181/365
= MYR 1,943.39

Please take note that the initial Investment Amount will only be paid on the Maturity Date (5 Feb 2016) which will be the final Interest Payment Date

Scenario 4: On 28 July 2015, 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:

Cancellation Date	28 July 2015
Investment Amount	MYR 100,000
Unwinding Cost	(MYR 2,300)
Total Amount Redeemed (MYR 100,000 – MYR 2,300)	MYR 97,700

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 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

Interest Rate Linked Investments

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:

Trade Date	12 July 2014	Start Date	14 July 2014
Observation Period	14 July 2014 - 1. October 2014 (91 days)	Actual number of days	91 days
Maturity Date	14 January 2015	Interest Payment Dates	14 October 2014;14 January 2015
Tenor	6 months	Reference Interest Rate	3 month KLIBOR
Investment Amount	MYR 100,000	Range	3.00 - 5.00
Minimum Interest Rate (Rmin)	0.00% p.a.	Maximum Interest Rate (Rmax)	6.00% p.a.
Participating Interest Rate	0.00% p.a.≤ Participating Interest Rate ≤ 6.00% p.a.	Interest Payment Frequency	Quarterly

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 (USD 100,000 - USD 600)	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.

Commodity Linked Investments

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.

Trade Date	25 March 2014	Start Date	27 March 2014
Expiry Date	1 April 2014	Maturity Date	3 April 2014
Currency Pair	XAU/USD	Investment Amount	USD 63,272.43
Base Currency	USD	Alternate Currency	XAU
Conversion Rate	1230 (price of 1 Troy Ounce of gold in USD)	Investment Tenor	7 days
Investment Rate	11.00% p.a.
1000 Grams (GLD) = 32.1507 Troy Ounces (XAU)

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

Expiry Date	1 April 2014	Maturity Date	3 April 2014
Currency Rate	1230 (Price of 1 Troy Ounce of gold in USD	Spot Rate at the Start of the Investment	1250
Investment Amount in GLD	1600 grams of gold	Investment Amount in XAU	51.441
Base Currency	XAU	Alternate Currency	USD
Currency Pair	XAU/USD	Interest Rate	11% p.a.
1000 Grams (GLD) = 32.1507 Troy Ounces (XAU)

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.

Mutual Fund Linked Investments

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.

Trade Date	6 May 2019	Start Date	8 May 2019
Observation Dates	(1) 6 May 2020 (2) 6 May 2021	Coupon Payment Dates	(1) 8 May 2020 (2) 8 May 2021
Maturity Date	8 May 2021	Underlying Mutual Fund	GAMSCOE ID
Investment Amount	MYR 100,000	Strike Point	17.5000
FX Rate(start)	EURMYR 4.6100	Coupon(t)	Max [Minimum Coupon, Notional x Fund Performance(t) × 1/(t)]x PR x Conversion Factor (t)
Minimum Coupon	Notional x 0.00% p.a.	Coupon(t)
Coupon Payment Frequency	Annually	Participating Rate	115%

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:

Investment Amount	MYR 100,000.00
Fund Performance(t) = [Fund NAV(t) / Strike Point] - 1 = [18.4000 / 17.5000] - 1	5.1429%
Conversion Factor(t) = FX Rate(t) / FX Rate(start) = 4.8000 / 4.6100	1.04121475
Coupon(t) = Max [Minimum Coupon, Notional x Fund Performance(t) x 1/(t)] x PR x Conversion Factor(t) = Max [0, MYR 100,000 x 5.1429% x 1/1] x 115% x 1.04121475	MYR 6,158.09

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:

Investment Amount	MYR 100,000.00
Fund Performance(t) = [Fund NAV(t) / Strike Point] - 1 = [18.4000 / 17.5000] - 1	5.1429%
Conversion Factor(t) = FX Rate(t) / FX Rate(start) = 4.3000 / 4.6100	0.93275488
Coupon(t) = Max [Minimum Coupon, Notional x Fund Performance(t) x 1/(t)] x PR x Conversion Factor(t) = Max [0, MYR 100,000 x 5.1429% x 1/1] x 120% x 0.93275488	MYR 5,516.62

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:

Investment Amount	MYR 100,000.00
Fund Performance(t) = [Fund NAV(t) / Strike Point] - 1 = [12.0000 / 17.5000] - 1	-31.4286%
Conversion Factor(t) = FX Rate(t) / FX Rate(start) = 4.3000 / 4.6100	0.93275488
Coupon(t) = Max [Minimum Coupon, Notional x Fund Performance(t) x 1/(t)] x PR x Conversion Factor(t) = Max [0, MYR 100,000 x -31.4286% x 1/1] x 115% x 0.93275488	MYR 0.00

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 [USD 63,272.43 - (USD 100+250)]	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.