nxi[j - citibank malaysia · ;\xi mxcl\[ :`k`yxeb zxi[d\dy\i# pfl [\j\im\ x i\nxi[`e^ c`]\jkpc\%...

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$Page 1: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 2: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 3: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 4: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 5: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 6: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 7: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 8: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 9: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 10: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 11: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 12: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 13: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 14: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 15: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 16: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 17: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 18: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 19: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 20: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 21: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 22: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 23: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 24: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 25: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 26: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 27: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 28: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 29: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 30: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 31: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 32: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 33: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 34: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 35: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 36: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 37: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 38: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 39: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 40: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 41: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 42: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 43: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 44: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 45: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 46: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 47: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 48: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 49: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 50: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 51: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 52: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 53: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 54: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 55: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 56: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 57: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 58: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 59: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 60: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 61: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 62: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 63: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 64: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 65: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 66: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 67: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 68: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 69: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

$Page 70: nXi[j - Citibank Malaysia · ;\Xi mXcl\[ :`k`YXeb ZXi[d\dY\i# Pfl [\j\im\ X i\nXi[`e^ c`]\jkpc\% Pfl befn n_Xk pfl Xi\ gXjj`feXk\ XYflk fi Xjg`i\ kf Y\% 8e[ pfl befn gi\Z`j\cp n_Xk$

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