Dear Sir/ Madam, Ambank Islamic Berhad continuously reviews all aspects of its business operations and as part of that review, Ambank Islamic Berhad has decided to transfer your account to Aiqon Islamic Sdn Bhd

Customers have been notified of the transfer in the following manner:

* In November 2018, Ambank Islamic Berhad sent a pre-disposal notification letter to all customers involved in the transfer;

* There were advertisements made in the New Straits Times and Berita Harian in March 2019, publishing the Ambank Islamic Berhad Vesting Orders; and

* In March 2019, a joint letter (by Ambank Islamic Berhad and Aiqon Islamic Sdn Bhd) was sent to all customers involved in the transfer.

Yes. Ambank Islamic Berhad and Aiqon Islamic Sdn Bhd have obtained approvals from the appropriate regulators and a vesting order from the High Court of Malaya have also been obtained.

Details of court order are as follows:-

Vesting Order with effective date of 5 March 2019 granted by the High Court of Malaya in Originating Summons No. WA-24M-3-02/2019.

No. Ambank Islamic Berhad and Aiqon Islamic Sdn Bhd have obtained approvals from the appropriate regulators and a vesting order from the High Court of Malaya have also been obtained.

Therefore, the transfer of your account to Aiqon Islamic Sdn Bhd has been completed.

Ambank Islamic Berhad and Aiqon Islamic Sdn Bhd have sent a joint Hello-Goodbye letter in March 2019 to confirm the transfer of your account. You may also contact the Ambank Islamic Berhad Helpdesk on 03-2178 8888 for any further confirmation in relation to the status of your account.

Ambank Islamic Berhad records show that that you applied for the facility. Should you still feel otherwise, we encourage you to lodge a police report and contact Ambank Islamic Berhad immediately. An investigation shall commence upon receiving the necessary documents from you.

No, there will not be any cost of transfer. The normal terms and conditions of the loan/ financing will continue to apply. For example the interest/profit rate and late charges.

The outstanding amount being transferred is based on Ambank Islamic Berhad records.

We need you to contact us in order for us to start helping you to manage your debt.

If you continue to ignore our attempts to contact you, your account may be escalated to an external debt collection agent or, where appropriate, escalated to our litigation department.

Yes, your credit card or HP number remains the same. However, please remit payment into Aiqon Islamic Sdn Bhd account with Ambank instead (refer to Banking instruction below).

We would strongly encourage you to contact Aiqon Islamic Sdn Bhd:

Level 45, Menara Felda,

Persiaran KLCC, Platinum Park,

50088, Kuala Lumpur

Telephone: +603 2614 7900

Please contact us or email to us at enquiry@aiqonislamic.com.

For payments, it can be made payable to Aiqon Islamic either by cheque, bank transfer or over the counter at AmBank/AmBank Islamic Branches

In favour of: Aiqon Islamic Sdn Bhd

Bank Account Number: 8881031631054

Bank Name: AmBank

Reference: Your Account Number and NRIC Number

Our accepted payment methods are: Direct Debit, Standing Order, cash, cheques and postal orders.

All cheques should be made payable to 'Aiqon Islamic Sdn Bhd' and sent to Level 45 Menara Felda, Persiaran KLCC, Platinum Park, 50088 Kuala Lumpur, Malaysia.

We believe that Direct Debit is most suited for long-term repayment plans as it is a reliable, regular payment method that ensures that your plan will not fail as long as funds are available, thus giving you peace of mind that your payments will be made on time.

Where you have entered into a repayment plan, Aiqon Islamic Sdn Bhd will continuously monitor this and where necessary contact you to review your circumstances. In the unlikely event that you do not keep up with your repayments, we may look to escalate your account through our collection procedures, which may include instructing an external debt collection company, or where appropriate, commence legal proceedings to recover the balance.

We would strongly encourage you to contact Aiqon Islamic Sdn Bhd:

Level 45, Menara Felda,

Persiaran KLCC, Platinum Park,

50088, Kuala Lumpur

Telephone: +603 2614 7900

Email: enquiry@aiqonislamic.com

As the transfer of your account has been completed vide the vesting order granted by the High Court of Malaya, we are unable to re-transfer your account back to Ambank Islamic Berhad

Yes, Aiqon Islamic Sdn Bhd will continue to honor the arrangement.

We would strongly encourage you to contact Aiqon Islamic Sdn Bhd as follows:

Level 45, Menara Felda,

Persiaran KLCC, Platinum Park,

50088, Kuala Lumpur

Telephone: +603 2614 7900

Email: enquiry@aiqonislamic.com

We want to work with you to enable you to clear your debt in a manner which suits your own individual circumstances. Therefore if you are unable to settle your debt in full at this time and wish to propose a repayment plan, you can do this by contacting us or email us at enquiry@aiqonislamic.com

Aiqon has reputation for providing excellent customer services and it’s a reputation that we work hard to maintain, we strives to engage with our customers in a professional, ethical and legally compliant manner. You are entitled to respectful and professional treatment by our staff. We know that sometimes things don't go as well as they should and problems arise. If this happens to you please let us know so we can fix the problem, we will do our best to put this right for you.

Once we are aware of your concern we expect all our staff will take the appropriate steps to address your concerns straight away. The chances are that the situation can be resolved quickly and amicably by collection Team Leaders, Collection managers or another member of staff.

If the staff member is not able to resolve this with you the matter will be referred to our Compliance Team (Customer Resolutions Team). Compliance Team will investigate the issue and take all reasonable steps to resolve the matter with you or your authorized representative.

This gives us the opportunity to resolve your complaint most efficiently and better our services. Aiqon Capital Group will endeavour to resolve all complaints in a manner fair to all parties and in accordance with the Central Bank Regulations. We will do our best to promptly address your complaint. You should receive an initial response from us within 24 hours and a final response within 14 business days. Sometimes it may take longer to fully investigate the details, in which case we will advise you of when we expect to be able to provide you with our response.

To lodge a complaint, please email to :complaints@aiqonislamic.com

In order to properly understand, investigate and respond to your complaint, we may request that you put your complaint to us in writing.

If you believe your complaint has not been resolved within 14 days and not received our final response or if you are displeased with our final response you may want to refer the matter to an external dispute resolution service. Aiqon Capital Group is a member of two external dispute resolution schemes covering Financial Services. These schemes independently and impartially resolve disputes between consumers and participating financial services providers (including Aiqon Capital Group).

Aiqon has helped many customers find manageable solutions to pay their outstanding debts. If a staff member has helped you or provided great customer service and you would like to provide us with positive feedback please email to compliance@aiqonamanah.com