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  Frequently Asked Questions ( External)  
Q1. What is the rationale for the Bank to discontinue the program?
A1. The AFF program is one of the Bank's Marketing tool used to maximize its revenue. After reviewing the effectiveness of the program, The Bank decided to discontinue it.
Q2. When will this cessation take effect?
A2. The cessation will be effective 1st January 2013.
Q3. Which legal clause in the AFF Terms & Conditions mentioned that the program can be terminated?
A3. In its General Provisions, Section 3 Clause 3.1 mentioned that: The Bank reserves the right to suspend or terminate the AFF program at any time with prior notice without assigning any reason whatsoever.
Q4. What are the communication tools used to inform the members about this cessation?
A4. The members are informed about the cessation using communications tools such as personalized notification letter, sms blast, update in Al Rajhi website and via CASA statement message.
Q5. When is the last commission payout to AFF members and what happen to remaining tenure of financing which is eligible for AFF rewards?
A5. Since the program will be discontinued effective 1st January 2013, the last commission payout to all eligible members will be on the 7th January 2013.
There will be no more commission payout after 7th January 2013.
Q6. Which legal clause in the AFF Terms & Conditions mentioned about exclusion of rewards after program cessation?
A6. In its General Provision, Section 3 clause 3.3 mentioned that: If the membership is revoked or voluntarily terminated, such member shall no longer be entitled to the monthly distribution of rewards from the date his membership is revoked or terminated.
Q7. When is the last submission date for new referral cases to receive AFF rewards?
A7. The Bank will no longer accept new cases for referrals FOR ALL FINANCING products from the DATE OF THIS NOTICE OF CESSATION.
  For new referral cases submitted prior to this date, it will be processed as usual but the AFF rewards will only be given subject to:
  • Disbursement and,
  • Payment received from the referred members falls on/before 5 January 2013 (last commission payment on 7th January 2013)
  • No commission payment after cessation become effective.

  • Scenario A
    AFF member C refers a PF case worth RM25,000 on 1st October 2012. The case was approved and disbursed on the 1st November 2012. Referrer pays his 1st installment on the 1st December 2012.
    Member C is entitled to get his last AFF reward on the 7th January 2013.

  • Scenario B
    AFF member X refers a HF case worth RM250,000 on 1st November 2012. The case was approved and disbursed on the 1st January 2013. Referrer pays his 1st installment on the 1st February 2013.
    Member X is not entitled for AFF reward.

  • Scenario C
    AFF member W refers a PF case worth RM50,000 on 5th September 2012. The case was approved and disbursed on the 5th October 2012. Referrer pays his 1st installment on the 5th November 2012.
    Member W is entitled for AFF reward for the month of November, December and last AFF reward in January 2013.
Q8. What happen to application for new memberships now?
A8. Application for new memberships will cease immediately effective 3rd December 2012.

For new membership application submitted prior to 3rd December 2012, HQ will send an AFF Program cessation notification letter to potential members.

New batch of membership processing have been ceased immediately
(27 November 2012) to avoid RM50 charge of membership fee to potential members.
Staffs and members are advised not to promote this AFF program anymore.
Q9. What happen to new members who joined before the cessation date? Will they get a refund of their joining fee?
A9. The Bank is in good faith and in exercising its discretion, will refund RM50 (full joining fee) to members who joined AFF since 1st June 2012 to 26 November 2012.

Members who joined prior to 1st June will not get any reimbursement from their joining fee.

According to the AFF Terms & Conditions, Section 1 Clause 1.3, it mentioned that : The Bank's customers need to register as a member and pay a one-time off joining fee and an annual membership fee to remain as an active member of AFF program. The joining and annual membership fee shall be RM50.00 and RM20.00 respectively. The joining fee is non-refundable. The annual fees will be refundable on prorate basis in the event of cancellation of membership by the Bank. The Bank reserves the right to review the above charges as and when it deems necessary by giving 30 days' notice to the Members.
Q10. How about existing members' annual fee? Is it refundable?
A10. Existing member's annual fee is refundable on a prorate basis. The basis of the calculation are as below:
General key rule for pro-rata calculation
Annual Membership fee cost (A) : RM20
Tenure (B) : 12 months
Per month rate (A/B=C) : RM 1.67
Per day rate (C/ 30)   : RM0.06
Q11. Please explain on a few scenarios for reimbursement of annual fees to existing members?
A11. Since each member's anniversary date are rather unique, the prorated calculation can be visualized as such:
  AFF Joining Date AFF Cessation Date Membership Tenure Pro Rate Calculation
Member A 1/1/2012 1/1/13 12 months (from 1/1/12 – 1/12/12) Annual Fee cost : RM 20 Membership Tenure : 12 months Pro-rate reimbursement : RM 0 (because membership tenure is fulfilled at 1 year)
Member B 1/3/12 1/1/13 10 months (from 1/3/12 – 1/1/13) Annual Fee cost : RM 20 Membership Tenure : 10 months

Pro-rate reimbursement : RM1.67 X 2 months = RM 3.34

(because membership tenure is fulfilled until 10 months only, so we're paying for the unutilized 2 months)
Member C 25/6/12 1/1/13 6 months 7 days (from 25/6-1/1/13) Annual Fee cost : RM 20 Membership Tenure : 6 months 7 days

Pro-rate reimbursement : RM1.67 X 5 months = RM 8.35 (A) RM0.06 X 23 days = RM1.38 (B) (A + B) = RM 9.73

(because membership tenure is fulfilled for 6 months 7 days only, so we're paying for the unutilized 5 months 23 days)
Q12. When can members anticipate to receive their annual fee reimbursement?
A12. Members can anticipate to receive their reimbursement latest by 31st January 2013, after completion of the cessation exercise. The reimbursement will be credited to their Al Rajhi Bank account.
Q13. If further clarifications are needed, whom should members refer to?
A13. Should there be any enquiry, members can call our Customer Care at 1300826000 or visit our website at
Q14. Can members complaint to Bank Negara about this cessation?
A14. Members can channel their complaint to:
BNMTelelink   :
Al Rajhi Bank :
Q15. Can members appeal for whatsoever reason(s) relating to AFF Program?
A15. Decision of the Bank is final.

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