tag:blogger.com,1999:blog-32888019936199416752024-03-14T03:23:31.559-07:00Pass ExperienceExperience is the teacher of all things.Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.comBlogger24125tag:blogger.com,1999:blog-3288801993619941675.post-6138717122763886562017-03-20T01:14:00.003-07:002017-03-20T01:15:31.557-07:007 Tips Pilih Pakej Umrah & Ziarah<div class="separator" style="clear: both; text-align: center;">
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1. Status kesihatan terkini</div>
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Perkara paling asas sebelum anda berfikir untuk menunaikan umrah ialah anda perlu tahu di mana tahap kesihatan anda. Kenapa penting? Sebab ia mempengaruhi pakej apa yang sesuai untuk anda.</div>
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Pastinya kalau anda sihat anda mungkin tak kisah berjalan kaki agak jauh dari hotel ke Masjidil Haram. Namun jika anda ada masalah kesihatan seperti keuzuran fizikal, mesti jarak hotel yang berjauhan akan mengganggu kelancaran perjalanan umrah nanti.</div>
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2. Hotel<br />
Anda perlu tahu dalam pakej umrah, biasanya ada 3 jenis hotel. Hotel 3 bintang, 4 bintang dan 5 bintang.</div>
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Pastikan anda tahu taraf hotel yang anda akan diami sepanjang berada di Madinah dan Mekah. Semakin dekat dengan Masjidil Haram, semakin mahal harganya.</div>
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Setiap hotel pula ada 3 jenis bilik: double (berdua), triple (bertiga) dan quad(berempat), setiap jenis bilik mempunyai rate yang berbeza.</div>
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3. FB atau BF<br />
FB bukan Facebook ye. FB adalah full board, bermaksud pakej penginapan anda di hotel termasuk 3 kali makan. Sarapan, makan tengah hari dan makan malam.</div>
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Kalau BF maksudnya breakfast sahaja. Jangan tak tau pulak. Memang terbalikkan huruf je, tapi bajet umrah anda juga bakal berubah.</div>
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4. Lokasi ziarah<br />
Umrah tanpa ziarah memang ada beza harga. Selalunya mana-mana pakej umrah memang ada sekali dengan ziarah. Sesambil buat umrah, masa ni lah jugak anda boleh ziarah tempat-tempat mulia dan bersejarah di sana.</div>
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Maklumlah pergi pun bukannya setiap hari macam pergi kedai mamak. Jadi harga pakej berbeza jika lokasi ziarah yang berjauhan dan memerlukan pengangkutan.</div>
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Kalau anda dah pergi banyak kali, dan tak nak pakej ziarah dapatlah harga yang lebih rendah.</div>
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5. Bayaran tambahan<br />
Yang ni perlu tanya pada syarikat travel yang anda ambil pakej umrah tu, takut-takut tak termasuk.</div>
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Biasanya cas tambahan ni melibatkan perkara-perkara kecil seperti upah angkat bagasi, upah tolak wheel chair, dan juga bakhsis dan lain-lain. Pastikan anda jelas, supaya anda boleh bersedia dengan pelbagai kemngkinan.</div>
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Maklumlah kalau tempat kita, duit tak cukup boleh cucuk ATM. Kalau tak cukup duit tempat orang, nak minta orang mesti segan punya.</div>
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6. Penerbangan<br />
Bagi kebanyakan rakyat Malaysia, penerbangan adalah menjadi pilihan untuk ke Tanah Suci. Harga tiket penerbangan juga mempengaruhi harga pakej umrah.</div>
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Tidak salah untuk anda Google dahulu harga tiket ke sana untuk panduan anda. Harga tiket MAS, Air Asia, Saudi Airlines pastinya berbeza.</div>
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7. Penampilan eksklusif<br />
Menunaikan umrah dengan selebriti pastinya lebih mahal berbanding umrah dengan mutawwif biasa. Nama pun selebriti bang! Mestilah ada kos eksklusif jugak kan.</div>
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Senang cerita macam tu lah. Kalau nak bergambar dengan selebriti di sana, kena labur pakej besar sikit. Tapi kalau niat nak buat umrah je, selebriti tu letak tepi dulu. Lain kali la selfie dengan retis!</div>
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<br />Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-62984655277960921782015-07-03T18:40:00.001-07:002015-07-03T18:44:27.077-07:00Balik Kampong Naik Bas EXECUTIVE COACH <span style="font-family: Helvetica, Arial, sans-serif; line-height: 22.3999996185303px;">السلام عليكم ورحمة الله وبركاته</span><br />
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<span style="font-family: Helvetica, Arial, sans-serif;"><span style="line-height: 22.3999996185303px;">Alhamdulillah syukur, Ramadhan 17 dah hari ni. </span></span></div>
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<span style="font-family: Helvetica, Arial, sans-serif;"><span style="line-height: 22.3999996185303px;">Hari ni aku sharing something yg best. Tp seblom tu nak tanya, berapa ramai yg dah beli tiket nak balik raya? Terutama yg tggal di Utara.. Ada yg belom beli tiket lg??? Meh cheq nak habaq mai. Apa pon jgn mudah tertipu dgn Kutu2 tiket ni. Nak pulak musim perayaan, banyak sendikit kutu vavi kutu tiket ni. Beli tiket la di kaunter dri korang beli selain dari kaunter tiket. Terutama sekali di Pudu raya tu. Ada plak yg x balik raya nanti.</span></span></div>
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<span style="font-family: Helvetica, Arial, sans-serif;"><span style="line-height: 22.3999996185303px;">Aku nak sharing Kaunter tiket no 10 Pudu Raya. Mohd Noor nama pemilik. Dia ni kawan baik skolah Menengah. Sma2 jadi "librian" (btol ke spelling...) a.k.a pengawas pustakaan. Konsortium Pelancongan Bumiputera (PG) Sdn. Bhd. (KPB) nama kaunter tiket bas bff ni punya. Kaunter no 10 ya.</span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifDE9BORdo0FcnnJBiXQexHQQO8CeJmUJ0A2mbXbZKGW2VZrdIlvSrftXUMnbzMaZ4u9Ediq-6lVdUEPzmfjcfwfVJY4-lHEbGy4PRksY5SgcLAYc1gNCcJIuJucxOW4DH0e2tkkWoXVh0/s1600/2015-07-04-08-58-32-185.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifDE9BORdo0FcnnJBiXQexHQQO8CeJmUJ0A2mbXbZKGW2VZrdIlvSrftXUMnbzMaZ4u9Ediq-6lVdUEPzmfjcfwfVJY4-lHEbGy4PRksY5SgcLAYc1gNCcJIuJucxOW4DH0e2tkkWoXVh0/s400/2015-07-04-08-58-32-185.jpg" width="276" /></a></div>
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<span style="font-family: Helvetica, Arial, sans-serif; line-height: 22.3999996185303px;">Nk citer sikit. Bas ni Executive Coach tau. Nak tau apa yg Executive nya? Ada steward kau, dalam bas. Mcm bas nak ke singapore tu. (Eh x da la gurau jer...) yang best ada free wifi dalam bas. Boleh online smpai lebam. Jadi, x da la bosan dalam perjalanan.</span></div>
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Pada kaki COC jgn risau, boleh war sementara nak tggu sampai destinasi. Kikikiki</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEisMfUpb2gt-fXyAHuKRGR5tRmua-30LxThuJHSaOKa692dC3fFMdtXCkSuaG_YDki7iJ9rG2dB_jIaka9zS2nqw23LQJyfm22o98IiLMQO3bYIb8FOTIdlSVB9nF5CBFBMYDsghvs-u38v/s1600/2015-07-04-09-02-26-126.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEisMfUpb2gt-fXyAHuKRGR5tRmua-30LxThuJHSaOKa692dC3fFMdtXCkSuaG_YDki7iJ9rG2dB_jIaka9zS2nqw23LQJyfm22o98IiLMQO3bYIb8FOTIdlSVB9nF5CBFBMYDsghvs-u38v/s640/2015-07-04-09-02-26-126.jpg" width="432" /></a></div>
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Satu lg ada jugak ASTRO "njoi" channel. Sekarang mcm2. Dolu2 x nak ada tv kira dah executive la mse tu. Dlam perjalanan boleh tgok movie, vcd, atau zaman pakai tape vhf. Kira masa tu memang mewah lah. Kiranya korang x bosan la ada astro lagi. Bas bergerak pon channel clear, screen dkat kepala seat depan stial tempat duduk. Kalah penerbangan AA tambang murah. Mane ada tv2. Astro apetah lg. Waifi jauh pangang dri api kan. Jap2... AA ni bukan baby AA tau, dia x da kena mengena. Heheheh.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYXpUIBNYcfZbgEQNn4FGhtKWzhJPtZTad3IsOcCHOSluBZ7NLrkFDv3qsQ4PgxWMd1GDLUePgJKwVZPYaeL0r5ENfILCvUj4yqEH0KqlIwwdy6QG4WJrabkfWy1LzY7WQkCWlWkaI3dUz/s1600/2015-07-04-08-58-05-334.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYXpUIBNYcfZbgEQNn4FGhtKWzhJPtZTad3IsOcCHOSluBZ7NLrkFDv3qsQ4PgxWMd1GDLUePgJKwVZPYaeL0r5ENfILCvUj4yqEH0KqlIwwdy6QG4WJrabkfWy1LzY7WQkCWlWkaI3dUz/s320/2015-07-04-08-58-05-334.jpg" width="216" /></a></div>
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Perjalan keutara termasuklah:-</div>
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Penang- Butterworth</div>
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Sg. Nibong</div>
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Sg. Petani</div>
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Alor Setar</div>
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Bagan Serai</div>
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Parit Buntar</div>
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Jdi, kalau nak dptkan harga toket special sendiri sila contact atau whatsapp terus ke pemilik kaunter ya M.Noor nama dia 010 4203982. Harga tiket mmg berbaloi2.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCyibm9I29cB1EgouroroLjm-UAhY8ap2MEMZx787u3jcF7hHN8Kj_MInRgRSEf9WE4krm25uyLi_9eFF3Io63P_QuOhArLxmScbdWRXjoPPu154plvAY1uZ4DM4OYOr4SuAULgaXKXmRO/s1600/2015-07-04-08-56-48-397.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="330" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCyibm9I29cB1EgouroroLjm-UAhY8ap2MEMZx787u3jcF7hHN8Kj_MInRgRSEf9WE4krm25uyLi_9eFF3Io63P_QuOhArLxmScbdWRXjoPPu154plvAY1uZ4DM4OYOr4SuAULgaXKXmRO/s400/2015-07-04-08-56-48-397.jpg" width="400" /></a></div>
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Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-23495008856615700802015-06-25T20:20:00.001-07:002015-06-26T18:07:28.946-07:00Butter Cookies K'rogers 100% pure butter<div class="separator" style="clear: both; text-align: center;">
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<span style="font-family: Helvetica, Arial, sans-serif; line-height: 22.3999996185303px;"><b>السلام عليكم ورحمة الله وبركاته</b></span><br />
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<i>Lama x update blog...</i><br />
<i>Salam Ramadhan yg ke 9 tahun 2015.</i><br />
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<i>Arini nk sharing sikit mengenai cookies yang sesuai dijamu untuk tetamu yg berkunjung. Butter cookies ni, memang 100% pure butter. Aroma yg memukau, rase memang uhmmmm.... x caya sila rase ye heheheh. </i><br />
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<i>Pada mula nya, produk ni sejak puasa tahun 2013 lagi sya nak cuba pasarkan, (kenalan baker sya di offshore "Lah" ~nama glamour) tapi disebabkan kesibukan dan kekangan masa terpaksa sya simpankan niat utk jual produk ni. </i><br />
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<i>Alhamdulillah sejak sebulan seblom ramadhan 2015 Butter Cookies Krogers berjaya di bawa masuk utk produk jualan sampingan Busana Mukmin. </i><br />
<i><br /></i><i>Oleh kerana lama x update blog, nanti sya ceritakan dan update bisnes kecil-kesilan sya di entry yg akan datang ya...</i><br />
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<i>Butter Cookies ni ada 3 perisa yg <span style="color: #cc0000;">100% pure butter</span>:- </i><br />
<i># Almond #Bluberry</i><br />
<i>#Resberry</i><br />
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<i>Ada perisa terbaru yg sya bawak masuk sempena aidilfitri yg menjelma iaitu:-</i><br />
<i>#conflake</i><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxJJbt4oB8ENOkIhdcdB3FAclLvEuXrmxCeLn2ZJcnHYCWesvGD7vmESOt0XTQ8Vpe8Z2VaHXg9wuMidGIJSwsAyeeC4wjCtmtMtWZNzGHUCt9jXNjm6vqLOjDoY2GIIouJHxE2hhaam2q/s1600/PicsArt_1431578140114.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxJJbt4oB8ENOkIhdcdB3FAclLvEuXrmxCeLn2ZJcnHYCWesvGD7vmESOt0XTQ8Vpe8Z2VaHXg9wuMidGIJSwsAyeeC4wjCtmtMtWZNzGHUCt9jXNjm6vqLOjDoY2GIIouJHxE2hhaam2q/s320/PicsArt_1431578140114.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">4 flavour<br />
#Almond & Cocoa Chips<br />
#Resberry & Almond Chips<br />
#Bluberry<br />
#Conflakes & Creal</td></tr>
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<i>Ok mcm mana nak cuba dapatkan tester???</i><br />
<i>*Jom singgah booth<span style="color: #6aa84f;"><b> Busana Mukmin</b></span> di parking lot Tesco Shah alam Sec 13 (depan MSU). Di sana ada dosediakan tester 4 flavour ni. Tapi tester akan dikeluarkan selepas waktu berbuka ya. Hehhhe.</i><br />
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<i>*Bagi yang berada di putrajaya, boleh dapatkan di presint 16. Di foodcourt Taman Warisan. Nama gerai "ole-ole Warisan" . Ada tester disediakan disana juga. </i><br />
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<i>Kepada pengunjung, nak dpatkan free parking, beli barang2 tesco rm5 jer dah entitle dpt free parking. Beli atau minum di restoran mamak di tesco tu pon dpt free parking. Jgn lupa resitnya <b>declair</b> dgn kaunter utk dpt tiket free parking, lepas <b>declair</b> di kaunter tesco bru la guna mesin pulak utk <b>check out.</b> </i><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi4zyJdSzlOm77ewJq-W5nqKJNst1rxbnXuzlCjNAIdab2P8MgX3hYeSc3NRhy-ELaV7fhxqPrXqHIQOxc7UEG2iu0Pb4J_4E3n-BejNNcrMpvx-22M4FWHCV4qkl4blKV0Ol52iKJrmY9J/s1600/IMG_20150613_164331.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi4zyJdSzlOm77ewJq-W5nqKJNst1rxbnXuzlCjNAIdab2P8MgX3hYeSc3NRhy-ELaV7fhxqPrXqHIQOxc7UEG2iu0Pb4J_4E3n-BejNNcrMpvx-22M4FWHCV4qkl4blKV0Ol52iKJrmY9J/s400/IMG_20150613_164331.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Busana Mukmin Booth<br />
waktu urusniaga sepanjang Ramadhan<br />
isnin - jumaat 6pm-11pm<br />
sabtu & ahad 4pm-11pm</td></tr>
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<i>Seblum terlupa, ada pakaging yg menarik tuk dijadikan sbgai gift. Kepada vendor diluar sna, pakaging ni memang santik, x perlu nak bungkus2, letak dalam raga ke atau hias2, pakaging kotak dia dah nampak exclusive.</i><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhsBKCNHjNHoRBI4BrOyBSZ-inrDJAJzVtYyPsnxx1OOlvF8NgFb0AilVdXUCUKnGQmZRUeVQ4GqI1wh8OEXYgWzKAV8tUwmHSfO3evtZ2xgCX12Blveij3hdihF-tj8eXDZEgmrIE6QZkR/s1600/FB_IMG_1434104583312.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhsBKCNHjNHoRBI4BrOyBSZ-inrDJAJzVtYyPsnxx1OOlvF8NgFb0AilVdXUCUKnGQmZRUeVQ4GqI1wh8OEXYgWzKAV8tUwmHSfO3evtZ2xgCX12Blveij3hdihF-tj8eXDZEgmrIE6QZkR/s400/FB_IMG_1434104583312.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Pakaging edisi Ramadhan & Raya</td></tr>
</tbody></table>
<div class="separator" style="clear: both; text-align: center;">
<i></i></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
<i></i></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<i></i></div>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgzLuoDg2cHIMW8Pr77G_TCb6dwLdb5_ci9nFz5pXtRC4hY5522pZqC-S1R9VHzwLMI349VqZwyBzmTj6rRzVt1E_b4i7DuLfmK8eNWlDy2rup2Fu75OxPoNCEUhuWHqqy4ogGohc4VrOA5/s1600/PicsArt_1432694232081.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgzLuoDg2cHIMW8Pr77G_TCb6dwLdb5_ci9nFz5pXtRC4hY5522pZqC-S1R9VHzwLMI349VqZwyBzmTj6rRzVt1E_b4i7DuLfmK8eNWlDy2rup2Fu75OxPoNCEUhuWHqqy4ogGohc4VrOA5/s640/PicsArt_1432694232081.jpg" width="480" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Berat Bersih 400g/tin<br />
45-48pcs/tin</td></tr>
</tbody></table>
<div class="separator" style="clear: both; text-align: center;">
<i></i></div>
Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-84064902981775099242014-10-27T21:54:00.001-07:002014-10-27T22:31:16.288-07:00Water Filter ~ must buy ~Lama x update blog.<br />
tjuk pilihan arini berkait jugak sebnrnya melengapi rumah yg bru siap utk tinggal.<br />
Water filter yg di cadangkan jenis Master Filter. Saya cuma promote kawan2 punya produk.<br />
boleh la tgok dia punya product info kat cni ya:-<span id="goog_1133403402"></span><span id="goog_1133403403"></span><br />
<br />
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<i>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjP83vRAX0Sd4jbRW5NqUEmOJ1nxBrTRlRScDYEMM_yOWtTPaNmg6S5gRM7Iv6uJrqgbfndQTQH1A1wKslEd3kUpd_24_hjdPe97PnZX-ivucOfiwyCjaJC6n1Eq79ekaQOA2aD_qq_6yTc/s1600/WATER+FILTER.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjP83vRAX0Sd4jbRW5NqUEmOJ1nxBrTRlRScDYEMM_yOWtTPaNmg6S5gRM7Iv6uJrqgbfndQTQH1A1wKslEd3kUpd_24_hjdPe97PnZX-ivucOfiwyCjaJC6n1Eq79ekaQOA2aD_qq_6yTc/s1600/WATER+FILTER.png" /></a><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Made of Fiberglass Reinforced Polymer (FRP) with services life of
up to 5 years, The Outdoor Master Filter is Ideal for</span></i></div>
<i>
</i><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Landed Houses</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Condominium</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Restaurants</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Hotel</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Laboratory & Hospital</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Commercial & Industries Uses</span></i></li>
</ul>
<i>
</i><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;"> Features</span></i></div>
<i>
</i><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Imported quality master filter</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">5 layer filtration system</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">UV Light & Corrosion Resistant</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Certified by USA Pentair</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Compact in design, durable, light & easy operation</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Equips with pressure vessels multi-port valve with back-wash and
rinse functions for easy maintenance.</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Manufacturer Warranty</span></i></li>
</ul>
<i>
</i><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;"> </span></i></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Benefit:</span></i></div>
<i>
</i><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
</div>
<i>
</i><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Enjoy a high quality water environment with outdoor master filter</span></i></div>
<i>
</i><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
</div>
<i>
</i><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l3 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">More cleaner water for tooth brushing.</span></i></li>
</ul>
<i>
</i><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l2 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Cleaner and brighter laundry.</span></i></li>
</ul>
<i>
</i><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l5 level1 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Refreshing bath and showers.</span></i></li>
</ul>
<i>
</i><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l7 level1 lfo6; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Extends the life-span of your drinking water purifiers.</span></i></li>
</ul>
<i>
</i><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l8 level1 lfo7; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Reduces water tank maintenance and cut plumbing costs</span></i></li>
</ul>
<i>
</i><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l6 level1 lfo8; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Services Life : 5 Years Maximum ( Sand filter )</span></i></li>
</ul>
<i>
</i><br />
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;"> Specifications</span></i></div>
<i>
</i><br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo9; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Size Model: 925 / 942 / 1044 / 1054</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo9; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Valve size : 3/4"</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo9; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Capacity : 62m3</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo9; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Color : Natural / Grey / Black</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo9; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Pressure : 2.5T : 100psi</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo9; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Filtration media : combination of 5 type of sand</span></i></li>
</ul>
<i>
</i><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
</div>
<i>
</i><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Filtration Media Material</span></i></div>
<i>
</i><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
</div>
<i>
</i><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">5 Stages Media Filtration - Sand-Gravel, Coarse Sand, Silica Find Sand,
Carbon, Zeolites</span></i></div>
<i>
</i><br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<i>
</i><br />
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">Media Desciptions</span></i></div>
<i>
</i><br />
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<i><span style="font-family: "Calibri","sans-serif"; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-language: EN-MY; mso-hansi-theme-font: minor-latin;">1. Zeolite Sand (Australia)<br />
Zeolites have an unusual crystalline structure and with greater absorbing power
to remove suspended solids, soluble ammonium.<br />
<br />
2. Anthracite Carbon<br />
Reduce chlorine, smell and chemical mean while trapping the sediments, being
the primary function of the carbon, it leaves some chlorine in the water.<br />
<br />
3. Mining Graded Sand<br />
Most idea for use in domestic &industrial water filtration due to high
level of hardness and toughness. It is efficient for removing particles,
sediments, mud and suspending solid in the water.<br />
<br />
4. Fine Silica Sand<br />
Further trapping of very fine sediment at the surface of fine silica sand.<br />
<br />
5. Rough Sand<br />
Balance the pH and increase oxygen supply and restoration of water quality.</span></i></div>
<i>
<span style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-MY; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"> Product Code: FRP</span></i><br />
<br />
<i><span style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-MY; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">ok jika berminat boleh whatapps terus ke no sye +60122626641 atau pm trus saya di Facebook Azizan Ismail TF. saya akan deal kan utk anda. </span> </i>Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-61967362919212406612014-07-12T15:40:00.000-07:002014-07-12T15:40:11.092-07:00~ Iftar di FCB Neo Petro - ontheway pulang dari Offsore~Alhamdulillah...<br />
pengalaman manis masa balik masa bulan pose yg best sgt. hehheh<br />
sebenarnya balik kali ni sebab nk kena attent meeting dgn Jabatan Kesihatan Negeri, Kuching.<br />
Maklum jer la, dah lama x berurusan dan meeting dgn gomen, rindu plak rase...<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3ds9VHy-dXhw__FyX9YX83YRB0bHHz9KZSnx2i2-Zx3baOpN2pclxz77DGW0oyJgMfjIhaxsqEsHGrRix-ihuS9kflOIjcvMrElFQDbPfT5g-Z3cbp7G-hOQl0Ui1Wa_w62ZmzGmR5SAm/s1600/2014-07-12-19-11-41.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3ds9VHy-dXhw__FyX9YX83YRB0bHHz9KZSnx2i2-Zx3baOpN2pclxz77DGW0oyJgMfjIhaxsqEsHGrRix-ihuS9kflOIjcvMrElFQDbPfT5g-Z3cbp7G-hOQl0Ui1Wa_w62ZmzGmR5SAm/s1600/2014-07-12-19-11-41.png" height="179" width="320" /></a></div>
so ada masa semggu turun kali ni, tp x bestnya x leh nk balik semanjung. leh la cari keperluan2 raya. Raya atas barge. tp x pa beraya dgn BFF. So arini kita leh la terjah Mall kat miri ni. nak hias2 Klinik katanya.... ( nk sejuk kan hati ni sbab x dapt beraya dgn famly... )<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg-t_KNP5Jfao40oGIXBuaFFAv1Ck041AHDSrDujVZOnw7ne0aSeExfsSc285aCSfZc7CKKJzwd94GbdFxQReKjvUg8WRA-fGfwQIVVz17uXs4FLkcWm7B_ao4dgYQzwcn3kl6jP7loUc0R/s1600/IMG_82669827752107.jpeg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg-t_KNP5Jfao40oGIXBuaFFAv1Ck041AHDSrDujVZOnw7ne0aSeExfsSc285aCSfZc7CKKJzwd94GbdFxQReKjvUg8WRA-fGfwQIVVz17uXs4FLkcWm7B_ao4dgYQzwcn3kl6jP7loUc0R/s1600/IMG_82669827752107.jpeg" height="320" width="320" /></a>Tq pada BFF sedia kan slide dgn presentation Malaria. x sabar nk update nanti. Pengalaman yg best sgt x leh nk dapat setlah resign dgn gomen dah masuk tahun ke 3. Kan best kena meeting kat Putrajaya peringkat Kebangsaan. hahahah (sebenarnya berdebar gak ni, lama x koje dgn orang2 gomen ni kan.... )<br />
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so ada beberapa pic. masa nak balik semalam dan Iftar dalam Fast crew boat FCB semalam. best2... tggu ya BFF kepulangan gue... bawak balik keperluan raya... kita hias Klinik. hehehhe...<br />
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<br />Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com3tag:blogger.com,1999:blog-3288801993619941675.post-32832815418414660902014-07-04T12:01:00.002-07:002014-07-04T12:01:18.426-07:00~ Durian Dalit??? ~<div class="separator" style="clear: both; text-align: center;">
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Salam ramadhan smua....<div>
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Ok entry arini nk cita pasal Durian. Tah kenapa trip kali ni asyik ternampak buah durian je, dalam entry blog, dalam status FB. Klu nk tahu saya ni mmg hantu Durian sesangan. Super duper peminat tegar durian. Tp, apa pon Musang King my peberet one....</div>
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Ni Medic Adem's la ni pi post pic kat FB dia. X pernah2 nmpak trus serch kat tenet. katanya Durian dalit ni <i>"<span style="background-color: #fafbfb; color: #4e5665; font-family: Helvetica, Arial, 'lucida grande', tahoma, verdana, arial, sans-serif; line-height: 13.963635444641113px;">rasa mcm durian tambah cempedak + nangka.. memang best.. bau durian tue x kuat"</span></i></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnwSNVZ2o8X0d7UNsAyCfAOfT5l7jV9NkMH8MOL2RQMX55KO8TPfloZXJvwtIjJzhguIvgyqUQ7zBL4-GlKQWylVIZgjrFN6up6GUhLc8p7bx8oFsr4UIsY116HAT-OmskBB7WGrltBxa5/s1600/268528_864795943548022_6261001901103240840_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnwSNVZ2o8X0d7UNsAyCfAOfT5l7jV9NkMH8MOL2RQMX55KO8TPfloZXJvwtIjJzhguIvgyqUQ7zBL4-GlKQWylVIZgjrFN6up6GUhLc8p7bx8oFsr4UIsY116HAT-OmskBB7WGrltBxa5/s1600/268528_864795943548022_6261001901103240840_n.jpg" height="225" width="400" /></a></div>
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Pernah dengar ada jenis durian yg ada kat sabah & sarawak dan x pernah jumpa lak jenis ni kat semenajung. Ni antara satu-satunya jenis buah yg <i>rare</i> ada kat sini je dan x da kat semenjung. mesti kena cari ni. walupon rase dia katanya mcm tu (x leh lawan mcm musang king idaman hati) tetap nk gak rase pengalaman makan kan. hehehheh. (mcm dah ngidam lak, menci la adem's ni...)</div>
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So maksudnya balik ni kena la cari kat miri... ada ke jual time balik tu? nk plak masa balik tu mybe seawal bulan august. Org tgh cuti raya lagi tu... huhuhu tawakal jer la erk....</div>
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Klu ada sesapa kengkawan yg ada no phone yg jual durian dalit di kawasan miri, drop la erk kat komen. ahehehhe. ngalahkan org ngidam kan... </div>
Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com2tag:blogger.com,1999:blog-3288801993619941675.post-56181195955005098422014-07-03T07:14:00.000-07:002014-07-03T07:21:16.518-07:00~ Bazar Ramadhan - Pelantar Minyak ~ a.k.a Barge ~Alhamdulillah....<br />
<em>Entry</em> arini nk citer pasal Bazar Ramadhan di Offshore. Tp nk bgtau semua yg rase dia bukan rasa sampah ya.. heheheh. Lain la molot dah mmg sampah minum air zam zam pon dia kata rasa sampah. heheheheh ter over plak. Ala, bukan apa, over sgt org tu kan nak timbulkan kontroversi snggup kutuk2 bazar Ramadhan kan. Ok la biarkan la mamat tu dgn cermin mata besar dia. Yg penting Bulan mulia ni kita perbanyakan lagi Amalan yg baik2 ok...<br />
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Kat atas ni benda yg paling sronok, menggu waktu juadah disusun rapi sblom masing2 nk <em>que </em>tunggu giliran ambil juadah pilihan hati. <br />
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Sronok kan sambil2 tu kita selfie. hehehehh</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQ226IladZjZSLuuGt-PJGhbeF-nCsHLoVCpQG1TaKsr9onLTVYqGkMmaFWhOw7dzaQ84DLSzGpoIgEn-j3bVCJKCZ8bnygegMVW-buK3C9lv5QIJtjEYY1rR9KvDvKMuc1KiuhwIfXumb/s1600/C360_2014-07-03-21-27-42-734.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQ226IladZjZSLuuGt-PJGhbeF-nCsHLoVCpQG1TaKsr9onLTVYqGkMmaFWhOw7dzaQ84DLSzGpoIgEn-j3bVCJKCZ8bnygegMVW-buK3C9lv5QIJtjEYY1rR9KvDvKMuc1KiuhwIfXumb/s1600/C360_2014-07-03-21-27-42-734.jpg" height="320" width="240" /></a></div>
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Ni antara juadah pembuka selerah, kuih muih pilihan hati.....</div>
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Yummy! selain kurma Yusuf Tayob...... (kena bisik klu nk sebut) ada jugak Mix fruit mayo yg lazat. Peberet saya stiap kali berbuka, (siap request heheheheh)<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2cuX-yXTayRsiiVcxFZ_NTTDWIDPzcVMh3uGMGZe58w_Dy3RkraVmJ9uBYRE3zcpi3uMWDmk1JytUOzoBF3MkKGY_tXjpJ8jQB2T5IyM4DOIH11QgrSc93oyRiPsHSff010PdXEtrcErm/s1600/C360_2014-07-03-18-32-26-690.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2cuX-yXTayRsiiVcxFZ_NTTDWIDPzcVMh3uGMGZe58w_Dy3RkraVmJ9uBYRE3zcpi3uMWDmk1JytUOzoBF3MkKGY_tXjpJ8jQB2T5IyM4DOIH11QgrSc93oyRiPsHSff010PdXEtrcErm/s1600/C360_2014-07-03-18-32-26-690.jpg" height="320" width="240" /></a></div>
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Ni paling best, Ayam pangang & kukus dan dihidangkan dengan sup tulang ala2 sup meletop sg besi tu. POM POM POM bila makan. Org sini kuat makan pedas jugak sey.... <br />
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<br />Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-78921908176739147122014-07-02T11:05:00.000-07:002014-07-02T11:08:29.425-07:00~ Istilah Hartanah ~Salam Ramadhan...<br />
Ada planning yg nk beli rumah, atau sedang dalam proses atau baru nak berjinak2.<br />
<i>so</i> ada beberapa tips yg saya nak share pasal istilah2 ni. kadang2 pening gak tgok iklan guna <i>short form</i> jer kan. hehehhe<br />
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Kalau guna <i>short form</i> utk msej lain citer. mudah jer nak paham... hehhehe<br />
ok la... <i>lets check...</i><br />
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<a href="https://www.facebook.com/notes/property-lot-shop/istilah-hartanah/194572603949869" style="color: #232b37; cursor: pointer; text-decoration: none;">Istilah Hartanah</a></div>
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<ol>
<li>C - Completed</li>
<li>CA - Capital appreciation</li>
<li>CF - Cash Flow</li>
<li>EPA - Exit Penalty Absorb (contohnya refinancing ke bank lain dlm tempoh lock-in dan bank tanggung kos penalti)</li>
<li>FMC - Free Moving Cost (bank tanggung kos lawyer & kos refinancing dari bank lain)</li>
<li>FSV - Forced Sale Value</li>
<li>Flexi - Flexi rate % ikut BLR</li>
<li>Fix - Fix % rate</li>
<li>p.s.f. - price (RM) per square feet<span class="text_exposed_show" style="display: inline;"> (ft²)</span></li>
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<li>m² - keluasan meter per segi</li>
<li>ft² - keluasan kaki per segi</li>
<li>BLR - Base Lending Rate [kadar yang ditentukan oleh Bank Negara, Conventional Loan]</li>
<li>BFR - Base Financing Rate [kadar yang ditentukan oleh Bank Negara, Islamic Loan]</li>
<li>MOF - Margin of Financing</li>
<li>MV - Market Value</li>
<li>JMB - Joint Management Body (Badan Pengurusan Bersama)</li>
<li>ROI - Return of Investment</li>
<li>RPGT - Real Property Gain Tax (Cukai Keuntungan Harta Tanah (CKHT) adalah cukai yang dikenakan atas keuntungan daripada pelupusan harta tanah (rumah pangsa, rumah, kondominium, pangsapuri, ladang, tanah kosong dan lain-lain). Mulai 21 Oktober 1988, cukai ini diperluaskan ke atas keuntungan daripada pelupusan syer dalam Syarikat Harta Tanah.) <a href="http://l.facebook.com/l.php?u=http%3A%2F%2Fwww.hasil.gov.my%2Fgoindex.php%3Fkump%3D5%26skum%3D5%26posi%3D2%26unit%3D1%26sequ%3D1&h=5AQHaW9Hi&s=1" rel="nofollow" style="color: #2e57aa; cursor: pointer; text-decoration: none;" target="_blank">http://www.hasil.gov.my/<wbr></wbr><span class="word_break" style="display: inline-block;"></span>goindex.php?kump=5&skum=5&posi=<wbr></wbr><span class="word_break" style="display: inline-block;"></span>2&unit=1&sequ=1</a></li>
<li>DSR - Debt Service Ratio</li>
<li>L - Landed..... Lawannya NL - Non-Landed (flat/apartment/condo)</li>
<li>LA - Loan Amount</li>
<li>LO - Letter Offer</li>
<li>LI - Letter of Instruction</li>
<li>Freehold - Pegangan Selamanya (Hak Milik Kekal)</li>
<li>Leasehold - Pajakan Kerajaan Negeri (* Pindah milik memerlukan kelulusan Pihak Berkuasa Negeri)</li>
<li>COCR - Cash On Cash Return</li>
<li>MLTA - Mortgage Level Term Assurance</li>
<li>MRTA - Mortgage Reducing Term Assurance</li>
<li>OD - Over Draft atau Housing loan with OD facilities</li>
<li>PV - Property Value</li>
<li>TA - There After atau Tenancy Agreement</li>
<li>UC - Under Construction</li>
<li>Deed of Mutual Covenant (DMC) - merupakan dokumen yang ditandatangani oleh pembeli hartanah jenis STRATA ketika membeli dari pemaju untuk ‘mengikat’ pembeli / bakal penduduk terhadap peraturan-peraturan yang perlu dipatuhi semasa tinggal di kediaman strata tersebut. DMC yang ditandatangani dengan pemaju tidak lagi digunapakai selepas geran strata diperolehi.</li>
<li>Kaedah Penggiraan Premium utk Membaharui Tempoh PajakanHartanah Leasehold di SelangorPremium = 1/4 x 1/100 x Market Value of land (in sq ft) x number of years to renew x land area (in sq ft).<em>Section 7 of the Selangor Land Rules 2003 & Selangor Quarry Rules 2003, entitled "Premium".</em>Hartanah Leasehold di Kuala LumpurPremium = 1/4 x value of land x 1/99 x term of lease; ORCalculation of premium for residential land where the lease has NOT expired:Premium = 1/4 x category of the land use x value of the land x 1/99 x (term of new lease minus balance of existing lease)<strong>Sumber: <a href="http://www.thesundaily.my/news/876772" rel="nofollow" style="color: #2e57aa; cursor: pointer; font-weight: normal; text-decoration: none;" target="_blank">http://www.thesundaily.my/<wbr></wbr><span class="word_break" style="display: inline-block;"></span>news/876772</a> <div class="separator" style="clear: both; text-align: center;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgctDv7z05ZJLnE42e1y1Dflg50mm5xIon23zBGIX5EpiBm1LJSsJxIyBvKF7LQcxD_6gPM8lOxcV-k3MxtLNP7iRdLOjS0ZZdXNH0MdNWVQ6IXLDHojysUZOTqLTGw09FHhUDePGQMP3DR/s1600/images+(2).jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhg6vFrXvDaxaplYZLDknfC10EOziv-9fN7nmwrPLWGENrhph2MvSAN-ZVgA6HJ9CtggPg4Gi5Xm7BDVhJVCe-JNTyHox9hlUJW1TVhhYux3Het6yiBF-p55195ICUbZ-uyunNLp4ZjJnuP/s1600/Mortgage.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhg6vFrXvDaxaplYZLDknfC10EOziv-9fN7nmwrPLWGENrhph2MvSAN-ZVgA6HJ9CtggPg4Gi5Xm7BDVhJVCe-JNTyHox9hlUJW1TVhhYux3Het6yiBF-p55195ICUbZ-uyunNLp4ZjJnuP/s1600/Mortgage.jpg" height="131" width="200" /></a><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgctDv7z05ZJLnE42e1y1Dflg50mm5xIon23zBGIX5EpiBm1LJSsJxIyBvKF7LQcxD_6gPM8lOxcV-k3MxtLNP7iRdLOjS0ZZdXNH0MdNWVQ6IXLDHojysUZOTqLTGw09FHhUDePGQMP3DR/s1600/images+(2).jpg" height="198" width="320" /> </strong></li>
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Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com1tag:blogger.com,1999:blog-3288801993619941675.post-13901590091915367282014-07-02T09:39:00.002-07:002014-07-02T11:10:41.163-07:00I-Soho @ I-CityBanyak nye skrang ni Properties tema2 SOHO ni. Tp project ni, dekat2 dgn project I-Suite & Mega Mall yg katanya akan dibuka di I-City. Memang akan maju tempat tu. X rugi beli utk buat aset.<br />
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Yg best I-Soho ni dia agak murah skit, sebab starting price dia RM 282K. So spec dia x da la semewah mcm I-Suite (fully furnished). I SOHO ni partly furnished.<br />
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I-Soho ni ada beberapa Type (A,B,C,D & Type E3) - nanti leh korang semak plan nya.<br />
Klu dari segi lokasi mmg amat la strategik, sure meletop keba bom bila dah siap nanti. x mustahil harga dia akan naik bila dah siap.<br />
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Yg best lagi katanya Free Aircorn, Washing Mashine, Water Heater, Fridge, Kitchen Cabinet (with HOB / HOOD). Leh la view kat bawah tu erk... dan ni no contact :- Mr Edwin <a href="tel:0166682660" style="background-color: white; color: #1155cc; font-family: Arial;" target="_blank">0166682660</a><br />
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<div style="-x-system-font: none; display: block; font-family: Helvetica,Arial,Sans-serif; font-size-adjust: none; font-size: 14px; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal; margin: 12px auto 6px auto;">
<a href="http://www.scribd.com/doc/232324750/I-soho-Slide-Show-PDF" style="text-decoration: underline;" title="View I-soho Slide Show PDF on Scribd">I-soho Slide Show PDF</a> by <a href="http://www.scribd.com/eriyli" style="text-decoration: underline;" title="View Eriyl Ismail's profile on Scribd">Eriyl Ismail</a></div>
<iframe class="scribd_iframe_embed" data-aspect-ratio="1.3323485967503692" data-auto-height="false" frameborder="0" height="600" id="doc_1844" scrolling="no" src="//www.scribd.com/embeds/232324750/content?start_page=1&view_mode=scroll&access_key=key-ruSLqaAgFFov4duScqIW&show_recommendations=true" width="100%"></iframe>Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-13687848058484273172014-07-01T13:33:00.003-07:002014-07-01T13:38:18.571-07:00~Bazar Ramadhan Seluruh Malaysia 2014~Seronok kan dapat pi bazar Ramadhan. Beruntung la pada yg merasa tu semua. Tahun ni kena berpuasa dan seawal raya berada di tgah lautan. Bazar pon atas kapal ni jer. sronok gak... ehehhehe (pujuk ati konon2...)<br />
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Setiap tahun<i> sure</i> akan bertukar2 pi bazar Ramdhan sebenarnya... <i>So</i> mmg selalunya akan cari alamat2 yg <i>latest</i> utk di kunjungi. Bukan apa, boleh cari ilham, idea dan mcm2 lagi selain cari juadah berbuka sementara tunggu waktu berbuka.<br />
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So kat sini nak share la link tu....<br />
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<a href="http://mynewshub.my/main/2014/06/30/senarai-bazaar-ramadhan-2014-seluruh-malaysia/" target="_blank">http://mynewshub.my/main/2014/06/30/senarai-bazaar-ramadhan-2014-seluruh-malaysia/</a><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipyY2rG9jMvzNI0ji-4cyKiWcsu8CgU0nZktrogLG1rDaMxJzgQlgQO6R9sNoqK8mDiCwRtvGhV5TrPfTAZc-E5LPeS-gcQ_ZGEaAUogCQFRpzFTl1Gx8QxeVxt4KVdPX9f4OJgG_F5WNK/s1600/Bazar-Ramadhan-Satok.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipyY2rG9jMvzNI0ji-4cyKiWcsu8CgU0nZktrogLG1rDaMxJzgQlgQO6R9sNoqK8mDiCwRtvGhV5TrPfTAZc-E5LPeS-gcQ_ZGEaAUogCQFRpzFTl1Gx8QxeVxt4KVdPX9f4OJgG_F5WNK/s1600/Bazar-Ramadhan-Satok.jpg" height="240" width="400" /></a></div>
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Mcm2 juadah yg biasa kita jumpa msa bulan Ramahan jer kan. jom kita terjah.....hehehheAnonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-2553267463882745002014-07-01T11:47:00.000-07:002014-07-01T13:09:59.209-07:00Anopheles ~ Malaria<div style="text-align: justify;">
<span style="font-family: Times, Times New Roman, serif;"> Pagi semalam di kejutkan dgn berita pesakit di kejarkan ke ICU pada 23 Jun @ 3am aritu menghembuskan nafas terakhirnya di ICU. X sangka sebenrnya diagnosis dia Malaria. Untuk mensahihkan jenis penyakit yg dialami perlu <i>investigation</i> teliti terutama sekali darah pesakit perlu di ambil dan diuji. So smua tu kena lakukan di darat. Time tu, perkara terbaik activate MEDIVAC (hantar balik - emergency) Nasib baik partner dgn BFF yg sporting, so smua kerja jadi lagi mudah dan pantas.</span></div>
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<span style="font-family: Times, Times New Roman, serif;">Sedikit info nk sharing pasal Malaria ni.....</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwxbL7MxT6r-JZebXzbe4O3uTAAEaDgV7CFI6gWowXjhnxE47KOp3Ex9T9KdsewVvcorOp2V7x5ZHARL05VJn2_asGD9WJMYDj-KVyXtIK6ZogMt3TEaeicIav5bO3gcT15YNScIviKGIL/s1600/nyamuk-anopheles.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><span style="font-family: Times, Times New Roman, serif;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwxbL7MxT6r-JZebXzbe4O3uTAAEaDgV7CFI6gWowXjhnxE47KOp3Ex9T9KdsewVvcorOp2V7x5ZHARL05VJn2_asGD9WJMYDj-KVyXtIK6ZogMt3TEaeicIav5bO3gcT15YNScIviKGIL/s1600/nyamuk-anopheles.jpg" height="282" width="400" /></span></a></div>
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<span style="font-family: Times, Times New Roman, serif;">4 jenis parasit - plasmodium yg menyebabkan Malaria pada Manusia:-</span></div>
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<li style="color: #333333; text-align: left;"><span style="font-family: Times, Times New Roman, serif;">P. falciparum, merupakan jenis yang banyak terdapat di Afrika dan menyebabkan gejala yang parah.</span></li>
<li style="text-align: left;"><span style="color: #cc0000; font-family: Times, Times New Roman, serif;"><b><i>P. vivax, merupakan jenis yang banyak terdapat di daerah tropis Asia.</i></b></span></li>
<li style="color: #333333; text-align: left;"><span style="font-family: Times, Times New Roman, serif;">P. malariae, banyak terdapat di Afrika dan dapat berdiam di aliran darah tanpa menimbulkan gejala apapun untuk beberapa tahun.</span></li>
<li style="color: #333333; text-align: left;"><span style="font-family: Times, Times New Roman, serif;">P. ovale, banyak terdapat di Afrika bagian barat.</span></li>
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<b style="font-family: Times, 'Times New Roman', serif;">Tanda2 awal jangkitan </b><span style="font-family: Times, 'Times New Roman', serif;"> </span><br />
<span style="font-family: Times, Times New Roman, serif;">- Demam dan suhu badan yg tinggi</span><br />
<span style="font-family: Times, Times New Roman, serif;">- Menggigil</span><br />
<span style="font-family: Times, Times New Roman, serif;">- Mual / Muntah</span><br />
<span style="font-family: Times, Times New Roman, serif;">- Sakit Kepala</span><br />
<span style="font-family: Times, Times New Roman, serif;">- Cirit</span><br />
<span style="font-family: Times, Times New Roman, serif;">- kegelisahan (malaise)</span><br />
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<span style="font-family: Times, Times New Roman, serif;"><b><span style="overflow: auto; text-align: justify;">Gejala </span><span style="overflow: auto; text-align: justify;">lain </span><span style="overflow: auto; text-align: justify;">mungkin termasuk</span><span style="background-color: white; text-align: justify;">:</span></b><br style="text-align: justify;" /><span style="overflow: auto; text-align: justify;">Batuk kering</span><br style="text-align: justify;" /><span style="overflow: auto; text-align: justify;">Sakit belakang</span><br style="text-align: justify;" /><span style="overflow: auto; text-align: justify;">Sakit otot</span><br style="text-align: justify;" /><span style="overflow: auto; text-align: justify;">Limpa </span><span style="background-color: white; text-align: justify;">yang </span><span style="overflow: auto; text-align: justify;">membesar</span></span><br />
<span style="font-family: Times, Times New Roman, serif;"><span style="overflow: auto; text-align: justify;">Urin bertukar keruh dan hampir ke warna coklat tua (serupa teh) - semakin teruk</span></span><br />
<span style="font-family: Times, Times New Roman, serif;"><span style="overflow: auto; text-align: justify;">Mata kuning (jaundice) - semakin teruk</span></span><br />
<span style="font-family: Times, Times New Roman, serif;"><span style="overflow: auto; text-align: justify;">Sukar menafas dan kadar oksigen menurun bawah 95% (kalau ada SPO2 machine)</span></span><br />
<span style="font-family: Times, Times New Roman, serif;"><span style="overflow: auto; text-align: justify;"><i> - case haritu SPO2: 85%</i></span></span><br />
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<span style="font-family: Times, Times New Roman, serif;"><b style="color: #333333;">Masa pengeraman Kuman selepas dijangkiti mengikut jenis parasit:-</b></span></div>
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<em style="-webkit-print-color-adjust: exact; background-color: #fdfdfd; border: 0px; color: #111111; font-family: Times, 'Times New Roman', serif; line-height: 1.35em; margin: 0px; padding: 0px;">P. falciparum</em><span style="background-color: #fdfdfd; color: #111111; font-family: Times, 'Times New Roman', serif; line-height: 1.35em;"> </span><span style="background-color: #fdfdfd; color: #111111; font-family: Times, 'Times New Roman', serif; line-height: 1.35em;">- 9 to 14 days</span></div>
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<b style="background-color: #fdfdfd; color: red; font-family: Times, 'Times New Roman', serif; line-height: 1.35em;"><em style="-webkit-print-color-adjust: exact; border: 0px; margin: 0px; padding: 0px;">P. vivax</em> - 12 to 18 days</b></div>
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<em style="-webkit-print-color-adjust: exact; background-color: #fdfdfd; border: 0px; color: #111111; font-family: Times, 'Times New Roman', serif; line-height: 1.35em; margin: 0px; padding: 0px;">P. ovale</em><span style="background-color: #fdfdfd; color: #111111; font-family: Times, 'Times New Roman', serif; line-height: 1.35em;"> </span><span style="background-color: #fdfdfd; color: #111111; font-family: Times, 'Times New Roman', serif; line-height: 1.35em;">- 12 to 18 days</span></div>
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<em style="-webkit-print-color-adjust: exact; background-color: #fdfdfd; border: 0px; color: #111111; font-family: Times, 'Times New Roman', serif; line-height: 1.35em; margin: 0px; padding: 0px;">P. malariae</em><span style="background-color: #fdfdfd; color: #111111; font-family: Times, 'Times New Roman', serif; line-height: 1.35em;"> </span><span style="background-color: #fdfdfd; color: #111111; font-family: Times, 'Times New Roman', serif; line-height: 1.35em;">- 18 to 40 days</span></div>
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<span style="font-family: Times, Times New Roman, serif;"><i><span style="color: #111111;"><span style="line-height: 18.899999618530273px;">Mcm mana pon </span></span><span style="overflow: auto; text-align: justify;">tempoh pengeraman </span><span style="overflow: auto; text-align: justify;">berbeza dari </span><span style="overflow: auto; text-align: justify;">sependek </span><span style="background-color: white; text-align: justify;">7 </span><span style="overflow: auto; text-align: justify;">hari</span></i></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjxs7GVnlDVR-g1uWrbkb-jn32e-FUsNArCe3JJLLBqKd59URUiNq8bFwGjA3YqHXyX8N5JXJn6kutOrWvk5ySdnDM_fGA8ydRjJR5-rsKnXubC7sRTswKq8To-8AcX_7-2tHskezNXgUTm/s1600/glenn.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjxs7GVnlDVR-g1uWrbkb-jn32e-FUsNArCe3JJLLBqKd59URUiNq8bFwGjA3YqHXyX8N5JXJn6kutOrWvk5ySdnDM_fGA8ydRjJR5-rsKnXubC7sRTswKq8To-8AcX_7-2tHskezNXgUTm/s1600/glenn.jpg" height="286" width="320" /></a></div>
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<span style="font-family: Times, Times New Roman, serif;"><i><span style="overflow: auto; text-align: justify;"><br /></span></i></span></div>
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<span style="font-family: Times, Times New Roman, serif;"><span style="overflow: auto; text-align: justify;">ok la, meningatkan diri semula (refreshing) & sekadar sharing....</span></span></div>
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<span style="font-family: Times, Times New Roman, serif;"><span style="overflow: auto; text-align: justify;"><br /></span></span></div>
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<span style="font-family: Times, Times New Roman, serif;"><span style="overflow: auto; text-align: justify;"><i>#credit to</i> diri sendiri sebab dapat partner dgn BFF <i>x lecture.... (ingatan masih fresh gitu....)</i></span></span><br />
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<span style="font-family: Times, Times New Roman, serif;"><i>~ teringat kata2 terkahir dia bila BFF mengusik dia supaya jgn lupakan "medic"....</i></span></div>
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<span style="font-family: Times, Times New Roman, serif;"><i>"saya x kan lupa medic berdua...." kesungguhan beliau buka mask oksigen utk sampaikan sesuatu perkataan buat hiba / terharu hati kitaorg ~ hampir 5 jam baru selesai urusan semua....</i></span></div>
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Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-25336460887989622012014-06-30T06:45:00.002-07:002014-06-30T06:45:46.279-07:00PANDUAN Solat Sunat Tarawih Alhamdulillah utk malam yg ke 3. Kita di panjangkan usia utk mengerjakan Ibadah di bulan yg Mulia ni. Utk permudahkan kita lagi disini saya nk share panduan ni copy yg disediakan oleh <br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9ObcjPXmJDRdc9vZhCVSioDHiQWEOsulJ_okL7_S9TgWYUi_ah8modYuva4o0e7OOU1QCeMp12PAOpkW_nJMnLo-7w9MSiun81dzqmZM2aFbro5A4ov58wfwVICl7L6wFk1K8s_iRfGcM/s1600/imagesZZIYLOJV.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9ObcjPXmJDRdc9vZhCVSioDHiQWEOsulJ_okL7_S9TgWYUi_ah8modYuva4o0e7OOU1QCeMp12PAOpkW_nJMnLo-7w9MSiun81dzqmZM2aFbro5A4ov58wfwVICl7L6wFk1K8s_iRfGcM/s1600/imagesZZIYLOJV.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9ObcjPXmJDRdc9vZhCVSioDHiQWEOsulJ_okL7_S9TgWYUi_ah8modYuva4o0e7OOU1QCeMp12PAOpkW_nJMnLo-7w9MSiun81dzqmZM2aFbro5A4ov58wfwVICl7L6wFk1K8s_iRfGcM/s1600/imagesZZIYLOJV.jpg" height="132" width="200" /></a></div>
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Datuk Hj. Mohamad Shahir bin Hj. Abdullah. mudah utk di download utk simpanan bersama. <br />
InsyaALLAH....</span></span><br />
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</span></span><a href="http://www.scribd.com/doc/231955954/Panduan-Solat-Sunat-Tarawih-pdf" style="text-decoration: underline;" title="View Panduan Solat Sunat Tarawih.pdf on Scribd">Panduan Solat Sunat Tarawih.pdf</a> by <a href="http://www.scribd.com/eriyli" style="text-decoration: underline;" title="View Eriyl Ismail's profile on Scribd">Eriyl Ismail</a><br />
<iframe class="scribd_iframe_embed" data-aspect-ratio="0.6976024748646559" data-auto-height="false" frameborder="0" height="600" id="doc_95465" scrolling="no" src="//www.scribd.com/embeds/231955954/content?start_page=1&view_mode=scroll&access_key=key-dIQIDEhwF2y8uy4XISMW&show_recommendations=true" width="100%"></iframe><br />Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-81786486403447110092014-06-30T04:14:00.004-07:002014-06-30T04:18:22.306-07:00Related post "Fadhilat & Kelebihan Solat Tarawih...."Salam ramadhan...<br />
Saya mohon maaf atas sharing saya sebelom ni....<br />
Saya dah delete. ni la bahana copy paste tnpa rujukan. InsyaALLAH saya akan lebih berhati2 dan lebih sensitive di masa akan datang.<br />
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boleh rujuk link ni ya sekali.....<br />
<a href="http://www.islam2u.net/index.php?option=com_content&view=article&id=403:kelebihan-solat-tarawih&catid=27:fadhilat-amal&Itemid=62">http://www.islam2u.net/index.php?option=com_content&view=article&id=403:kelebihan-solat-tarawih&catid=27:fadhilat-amal&Itemid=62</a><br />
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yg ni satu lg....<br />
<a href="http://www.abuanasmadani.com/?p=1141">http://www.abuanasmadani.com/?p=1141</a><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAzFz6xdvyDXxqDXW3NQmWd-PpM5R2nqQ3PAtiB5R3bEMOAyKB-1avoCwoRNlOLgcP4bml9FOTOC0aEIAm3SecubbeSH9saKyJBnu_fOBfq4zRgoPiTj5Os99KLa6IMLyaIRC6nQofm_7x/s1600/untitled.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAzFz6xdvyDXxqDXW3NQmWd-PpM5R2nqQ3PAtiB5R3bEMOAyKB-1avoCwoRNlOLgcP4bml9FOTOC0aEIAm3SecubbeSH9saKyJBnu_fOBfq4zRgoPiTj5Os99KLa6IMLyaIRC6nQofm_7x/s1600/untitled.png" height="299" width="400" /></a></div>
Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-25956055837225510152014-06-29T12:58:00.002-07:002014-06-29T12:59:05.156-07:00Fadhilat & Kelebihan Solat Tarawih<div style="-x-system-font: none; display: block; font-family: Helvetica,Arial,Sans-serif; font-size-adjust: none; font-size: 14px; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal; margin: 12px auto 6px auto;">
Alhamdulillah di panjang kan usia saya hari ini dapat meneruskan Ibadah Puasa pada hari ke 2..</div>
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InsyaAllah smoga kita berlumba2 utk perbayakkan Ibadah sebab bulan Ramdhan adalah bulan bonus utk umat Islam. smua amalan dilipat gandakan pahala dari NYA... amin....</div>
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Selamat berpuasa dan selamat berbuka puasa smua.....</div>
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<a href="http://www.scribd.com/doc/231849736/Tarawih" style="text-decoration: underline;" title="View Tarawih on Scribd">Tarawih</a> by <a href="http://www.scribd.com/eriyli" style="text-decoration: underline;" title="View Eriyl Ismail's profile on Scribd">Eriyl Ismail</a></div>
<iframe class="scribd_iframe_embed" data-aspect-ratio="0.7068965517241379" data-auto-height="false" frameborder="0" height="600" id="doc_58029" scrolling="no" src="//www.scribd.com/embeds/231849736/content?start_page=1&view_mode=scroll&access_key=key-BNljumHiKW7s33R4fuFW&show_recommendations=true" width="100%"></iframe>Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com5tag:blogger.com,1999:blog-3288801993619941675.post-58608507050340411812014-06-29T11:51:00.003-07:002014-06-29T11:51:58.065-07:00Semalam bru Post, arini plak dah hilang....Adei, penat plak pkir mcm mna leh hilang...<br />
dimana silapnya erk??? ada sesapa leh tolong???<br />
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Ni semalam nya entry share di FB....<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5syJQRqWBuYC14hjBA8VGSxUp3ae7GvseWGa-xh3Dx1SOEhENKNkoOpsUcBf-nVHC5ce80iREFEkMNXjN4jUaVgG1SL8tq0RkEceGlUwtm68blRseKiGj7uWozh7sWPJICLIAkNZnNAP_/s1600/Untitled+1.jpg" imageanchor="1" style="clear: left; display: inline !important; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5syJQRqWBuYC14hjBA8VGSxUp3ae7GvseWGa-xh3Dx1SOEhENKNkoOpsUcBf-nVHC5ce80iREFEkMNXjN4jUaVgG1SL8tq0RkEceGlUwtm68blRseKiGj7uWozh7sWPJICLIAkNZnNAP_/s1600/Untitled+1.jpg" height="441" width="640" /></a><br />
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ni plak try buka tadi tetiber jer hilang dah.....<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhDSpH099SZa32x6lOwlYBV1QnKk2lF-iDQQpOMu1Y2GicXxzp69tgex5xBrwARbdr4SxQIWO7K-B5iw0cp_FFonWQF1x3K5Q-UwjGnmgTcZiD8e9vIv34KkqBgXroV2D8nt7YypGHw9Su/s1600/Untitled.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhDSpH099SZa32x6lOwlYBV1QnKk2lF-iDQQpOMu1Y2GicXxzp69tgex5xBrwARbdr4SxQIWO7K-B5iw0cp_FFonWQF1x3K5Q-UwjGnmgTcZiD8e9vIv34KkqBgXroV2D8nt7YypGHw9Su/s1600/Untitled.jpg" height="329" width="640" /></a></div>
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any kengkawan leh advice?<br />
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<br />Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-48134250071105828882014-06-25T12:52:00.000-07:002014-06-25T12:53:02.260-07:00Lung Cancer Stage 4 (final stage) - cont. Supplement oh Supplement Sebnarnya penyakit kawan yg dia sedang hadapi ni lah yg buat rasa diri ni lagi nak tahu apa yg dia makan selain berserah / tawakal / doa... Dia citer, smpai Hospital pon dah bekal kan ubat, benarkan dia balik rumah utk bersama keluarga dan berbekalkan portable O2.<br />
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Sebelom nk balik tu ada la sorang Dr Pakar ni perkenalkan dia dgn satu supplement ni. Dia cuba, hari demi hari menampakan perubahan yg sngat ketara pada dia. Selama 8 bulan dia amalkan dan sangat positif perubahan dia. Dan masa tu la saya dpt berhubung dgn beliau. Katanya lagi, smpai Dr yg "halau" dia balik siap tnya apa yang dia makan. Sebab jarang patient yg mengidap cancer tahap 4 boleh <em>"survive"</em><br />
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Dengan crita dia ni la membuatkan diri ni lagi nak tahu. Masa tu sibuk la cari maklumat. Sebenarnya dpat contact kawan ni pon masa saya di tengah lautan. So byak maklumat kena cari dalam tenet jer. Kalau ikotkan ati nk jer pi cari sendiri dan nk pi jumpa sendiri pengamal2 supplement ni termasuk lah nk jumpa sorang Dr. yg sendiri guna dan promote di klinik dia sendiri.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjR4Vpdy9i8iX2fv1iveT0KXdYw0vpOI1LEWEoGTICj_gS4zHSgwnfkWnZJHhnoJ0D98DL3STNxyLvqr7z3FUdRVrwOVkRL3kafTajppN0x8_Hw-75HPNYsj9Ebct7TB49IwuN4wbPaDsFt/s1600/images.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjR4Vpdy9i8iX2fv1iveT0KXdYw0vpOI1LEWEoGTICj_gS4zHSgwnfkWnZJHhnoJ0D98DL3STNxyLvqr7z3FUdRVrwOVkRL3kafTajppN0x8_Hw-75HPNYsj9Ebct7TB49IwuN4wbPaDsFt/s1600/images.jpg" height="207" width="400" />to be continue...</a></div>
Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-77313729401673680252014-06-23T11:58:00.000-07:002014-06-23T12:00:06.093-07:00Supplement Oh Supplement..... <div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNZUOSCTjjFadry9zlzsEbJ1gbF8LKgEd3YViGUdjiYlpKDJ9km4IITWs2UnCGpcG5nja-Ct8_jcYIlFpoLbCqD5Kuab89NqohwfBpvtipc-NjE9Bs3EzoaBoMIu-OHdVdPN5psbLEbG36/s1600/download.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNZUOSCTjjFadry9zlzsEbJ1gbF8LKgEd3YViGUdjiYlpKDJ9km4IITWs2UnCGpcG5nja-Ct8_jcYIlFpoLbCqD5Kuab89NqohwfBpvtipc-NjE9Bs3EzoaBoMIu-OHdVdPN5psbLEbG36/s1600/download.jpg" height="134" width="200" /></a></div>
<i>Supplement..</i>.. Mcm2 yg ada di pasaran, tp bergantung pada tujuan kita untuk mengabilnya. Teringat masa mula2 naik offshore, minggu pertama adalah minggu penyesuaian diri pada keadaan sekitar. Mcm biasa lah wajib akan demam atau sakit atau muntah2 tiap kali trip setiap awal 'onboard'. Dah jadi perkara wajib dan selalu akan bersedia utk menerima ujianNya... Smpai la tergerak hati nak cari supliment yg boleh tambah antibodi badan utk lawan sebarang penyakit.<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhc53TxEJ7ud_X0_68ulPmRi1mI3-lvCdeqIIDrdvySltPRT1z7ECCNb27LXo9yW4y2hqyJSaRTMcVv7y0rWBMhRCN4aPRQ9hywxtMguzE6l0RawiBMvFRmgnTyvD0fBU_uAaM_RSSqEJwJ/s1600/to_Inject_or_to_Supplement_with_HGH.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhc53TxEJ7ud_X0_68ulPmRi1mI3-lvCdeqIIDrdvySltPRT1z7ECCNb27LXo9yW4y2hqyJSaRTMcVv7y0rWBMhRCN4aPRQ9hywxtMguzE6l0RawiBMvFRmgnTyvD0fBU_uAaM_RSSqEJwJ/s1600/to_Inject_or_to_Supplement_with_HGH.jpg" height="148" width="200" /></a> Sblom tu mmg rajin ambik IV vit. C + Collagen + Glutation seblom naik koje. Macam biasa la akan kerap pi tempat koje lama or sesiapa kawan yg free leh bagikan IV supliment ni. Sakit tu mmg sakit la kena inject, demi nk sihat n tambah antibodi badan ku gagah kan jugak la. Memang kerap la deal / buat appoiment dgn kengkawan sepital (koje lama) utk tiap kali cuti. Kadang2 ter lepas sebab kawan ada yg sibuk n segan plak terlalu kerap pi tempat koje lama memandangkan ramai kawan2 lama yg dah bertukar.<br />
So kat situ dah tergerak hati plak nk cari supplement yg sesuai dan menjaji kan kehendak hati ni yg maksimum dan berbaloi2. Alhamdulillah akhirnya awal tahun 2013 diperkenalkan dgn satu supplement baik punya. Ada cerita disebaliknya mcm mna leh jumpa supplement tu. Sebenarnya kebetulan terjumpa balik kawan yg lama dah lost contact. Selama terputus hubungan, rupa2nya dia sedang besabung nyawa. On treatment <i>'lung cancer stage 4' . </i>Alhamdulillah sronok dengar dia dah semakin sihat.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8rvYSE1DlFegScN9CTYjeM_Lpvb2PsMe8_jmOI0Tz1VfpBDLG8yWFR61QT-WWtR09WspN_leUWSH5a4dGd8Zc-EAKwZXYCMqyz_Uh0-0JXgVAeX96w_ZStJXCC3J2t_AbaWRAYy1HoiiI/s1600/Leaf.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8rvYSE1DlFegScN9CTYjeM_Lpvb2PsMe8_jmOI0Tz1VfpBDLG8yWFR61QT-WWtR09WspN_leUWSH5a4dGd8Zc-EAKwZXYCMqyz_Uh0-0JXgVAeX96w_ZStJXCC3J2t_AbaWRAYy1HoiiI/s1600/Leaf.jpg" height="145" width="200" /></a></div>
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<i>.....to b continue </i><br />
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<i><br /></i>Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-78266759868370742122014-06-18T18:37:00.000-07:002014-06-28T09:58:28.533-07:003 ELEMENTS - PUCHONG SOUTH<span style="font-family: "Courier New", Courier, monospace;"> Selmat pagi. Alhamdulillah setalh 3 hari terputus dgn dunia luar (VSAT rosak phone pon x leh guna) hari ni kembali kepada sedia kala. TQ kepada abg Technician walaupon mabuk laut dia tetap teruskan kerja selapas telan 2 bijik sea sick pill. Sure medic care abg tech lebih la...(tetiber...)</span><br />
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<span style="font-family: Courier New;">ambik, byak plak email x dikemas kini ada yg smpah sarap ada yg berguna. so kat sini nk share something. project ni dah lama bermula da sbnrnya. Cuma diorg masih lagi email pada saya so maksudnya masih byak lagi la yg ada kosong leh la sesiapa yg berminat cer call n deal sendiri K.</span><br />
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<span style="font-family: "Courier New", Courier, monospace;"> So kat sini ada beberapa info yg saya nk share pasal Puchong south ni. biasa la, dah glamer sgt konsep type mcm ni. Bawah mall atas tu rumah. Lokasi mmg dekat dgn Jusco Equine Park. mmg super Hot kawasan ni jugak. sebab sewa umah smua dah melambung2 naik. ada giant la mcm2 lagi shop lot tumbuh bgaikan cendawan. (fefiling abang karam la plak... heheh). So leh la plan sambar sebiji. leh sewakan. more detail leh call diorg jer :-</span></div>
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<span style="font-size: small;">ACCESSIBILITY</span> <span style="font-size: x-small;">•<span style="font-family: Calibri,Calibri;"><span style="font-family: Calibri,Calibri;">Direct access to Damansara via Kinrara-Damansara Expressway (KIDEX) </span></span></span><br />
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</span></span>•<span style="font-family: Calibri,Calibri;"><span style="font-family: Calibri,Calibri;">Proposed Serdang-Kinrara-Putrajaya Expressway (SKIP) </span></span></span><br />
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</span></span>•<span style="font-family: Calibri,Calibri;"><span style="font-family: Calibri,Calibri;">15 minutes to IOI Mall/ Puchong </span></span></span><br />
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</span></span>•<span style="font-family: Calibri,Calibri;"><span style="font-family: Calibri,Calibri;">15 minutes to Cyberjaya/ Putrajaya </span></span></span><br />
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</span></span>•<span style="font-family: Calibri,Calibri;"><span style="font-family: Calibri,Calibri;">20 minutes to Old Klang Road </span></span></span><br />
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</span></span>•<span style="font-family: Calibri,Calibri;"><span style="font-family: Calibri,Calibri;">25 minutes to KESAS Highway </span></span></span><br />
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</span></span>•<span style="font-family: Calibri,Calibri;"><span style="font-family: Calibri,Calibri;">25 minutes to KLIA </span></span></span><br />
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</span></span>•<span style="font-family: Calibri,Calibri;"><span style="font-family: Calibri,Calibri;">30 minutes to KL City Centre </span></span></span><br />
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</span></span>•</span><span style="font-family: Calibri,Calibri;"><span style="font-family: Calibri,Calibri;"><span style="font-size: x-small;">30 minutes to Sunway</span> </span></span><br />
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<span style="font-size: x-small;"><strong>DEVELOPMENT DATA – SERVICED APARTMENT</strong> </span><br />
<span style="font-size: x-small;"><span style="font-family: Arial,Arial;"><span style="font-family: Arial,Arial;">•</span></span><span style="font-family: Book Antiqua,Book Antiqua;"><span style="font-family: Book Antiqua,Book Antiqua;">Status : Open For Preview </span></span></span><br />
<span style="font-family: Book Antiqua,Book Antiqua;"><span style="font-family: Book Antiqua,Book Antiqua; font-size: x-small;">No of block : 1 </span></span><span style="font-size: x-small;"><span style="font-family: Book Antiqua,Book Antiqua;"><span style="font-family: Book Antiqua,Book Antiqua;">No. of level : 18 (10</span></span><span style="font-family: Book Antiqua,Book Antiqua;"><span style="font-family: Book Antiqua,Book Antiqua;">th </span></span><span style="font-family: Book Antiqua,Book Antiqua;"><span style="font-family: Book Antiqua,Book Antiqua;">floor to 27</span></span><span style="font-family: Book Antiqua,Book Antiqua;"><span style="font-family: Book Antiqua,Book Antiqua;">th </span></span><span style="font-family: Book Antiqua,Book Antiqua;"><span style="font-family: Book Antiqua,Book Antiqua;">floor) </span></span></span><br />
<span style="font-family: Book Antiqua,Book Antiqua;"><span style="font-family: Book Antiqua,Book Antiqua;"><span style="font-size: x-small;">Total units : 342 </span><br />
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Total unit per floor : 19 </span><br />
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Unit Size : 659 sq.ft. – 1,018 sq.ft. </span><br />
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Selling Price : RM314,947.00 onwards* </span><br />
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Booking deposit : RM5,000 </span><br />
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Discount : 7% for bumiputra buyer </span></span></span><span style="font-family: Book Antiqua,Book Antiqua; font-size: large;"><span style="font-family: Book Antiqua,Book Antiqua; font-size: large;"><span style="font-size: x-small;">* Price after bumi discount. Terms & conditions apply.</span> <br />
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<span style="font-family: Book Antiqua,Book Antiqua; font-size: large;"><span style="font-family: Book Antiqua,Book Antiqua; font-size: large;"><span style="font-size: x-small;">SaLES PACKAGE - Serviced Apartment </span></span></span></div>
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<span style="font-size: x-small;"><span style="font-family: Arial,Arial;"><span style="font-family: Arial,Arial;">•</span></span><span style="font-family: Book Antiqua,Book Antiqua;"><span style="font-family: Book Antiqua,Book Antiqua;">Free SPA legal fees* </span></span></span><br />
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</span></span><span style="font-family: Arial,Arial;"><span style="font-family: Arial,Arial;">•</span></span><span style="font-family: Book Antiqua,Book Antiqua;"><span style="font-family: Book Antiqua,Book Antiqua;">Zero interest during construction period* </span></span></span><br />
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</span></span><span style="font-family: Arial,Arial;"><span style="font-family: Arial,Arial;">•</span></span><span style="font-family: Book Antiqua,Book Antiqua;"><span style="font-family: Book Antiqua,Book Antiqua;">Free 2 car parks </span></span></span><br />
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</span></span><span style="font-family: Arial,Arial;"><span style="font-family: Arial,Arial;">•</span></span><span style="font-family: Book Antiqua,Book Antiqua;"><span style="font-family: Book Antiqua,Book Antiqua;">Free Upgraded Furnishing Package:- </span></span></span><br />
<span style="font-family: Book Antiqua,Book Antiqua;"><span style="font-family: Book Antiqua,Book Antiqua;"><span style="font-size: x-small;">- Plaster ceiling - 3 nos. of air-conds - Kitchen cabinet (Top & Bottom) </span><br />
<span style="font-size: x-small;">- Hood & hob </span></span></span><span style="font-family: Book Antiqua,Book Antiqua;"><span style="font-family: Book Antiqua,Book Antiqua; font-size: x-small;">* </span></span><span style="font-family: Book Antiqua,Book Antiqua; font-size: large;"><span style="font-family: Book Antiqua,Book Antiqua; font-size: large;"><span style="font-size: x-small;">Terms and conditions apply</span> </span></span></span></span><span style="font-family: Calibri;"></span><br />
<span style="font-size: x-small;"><strong>PANEL SOLICITORS</strong> </span><span style="font-family: Calibri,Calibri;"><span style="font-family: Calibri,Calibri; font-size: x-small;"> </span></span><br />
<strong><span style="font-size: x-small;">1) Amir Lim & Partners</span></strong><br />
<span style="font-family: Calibri,Calibri;"><span style="font-family: Calibri,Calibri; font-size: x-small;">No. 42-3, Cheras Commercial Centre, Jalan 5/101C, 56100 Cheras, Kuala Lumpur. Contact No. : 03-9131 1228 Fax No. : 03-9131 5228 </span></span><br />
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<span style="font-size: x-small;"><b><span style="font-family: Calibri,Calibri;"><span style="font-family: Calibri,Calibri;">2) Lim & Yeoh </span></span></b></span><br />
<span style="font-size: x-small;"><span style="font-family: Calibri,Calibri;"><span style="font-family: Calibri,Calibri;">145-M, Jalan Maharajalela, 50150 Kuala Lumpur. Contact No. : 03-2142 2886 Fax No. : 03-2145 1803 </span></span></span><br />
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<p style=" margin: 12px auto 6px auto; font-family: Helvetica,Arial,Sans-serif; font-style: normal; font-variant: normal; font-weight: normal; font-size: 14px; line-height: normal; font-size-adjust: none; font-stretch: normal; -x-system-font: none; display: block;"> <a title="View 3ELEMENTS @ Puchong South #saleKIT on Scribd" href="http://www.scribd.com/doc/231719790/3ELEMENTS-Puchong-South-saleKIT" style="text-decoration: underline;" >3ELEMENTS @ Puchong South #saleKIT</a> by <a title="View Eriyl Ismail's profile on Scribd" href="http://www.scribd.com/eriyli" style="text-decoration: underline;" >Eriyl Ismail</a></p><iframe class="scribd_iframe_embed" src="//www.scribd.com/embeds/231719790/content?start_page=1&view_mode=scroll&access_key=key-AJ7NNWkJUngwzREy49nY&show_recommendations=true" data-auto-height="false" data-aspect-ratio="1.3323485967503692" scrolling="no" id="doc_87216" width="100%" height="600" frameborder="0"></iframe>Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com2tag:blogger.com,1999:blog-3288801993619941675.post-1823803988844161982014-06-08T19:46:00.002-07:002014-06-28T09:47:16.530-07:00“ I-Suite @ I-City” - Further Investment – <span style="font-family: Calibri;"> Salam di perantauan.
Alhamdulillah bila kita selalu semat dalam hati kita ingin update sesuatu,
InsyaAllah DIA akan bantu kita. Malam tadi terbaca di suatu rungan FB. Klu x
silap saya ada add I-property. So update nya berbunyi <b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;">“I-Suite @ I-City “... suite ker??
jom kita tgok...<o:p></o:p></i></b></span><br />
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<span style="font-family: Calibri;">So rupa2nya pada thun 2016 ada
mall baru akan dibuka @ I-City nama mall tu katanya Central Plaza (ker saya org
last yg baru tau?? Heheheh) . So Project ni katanya lagi besar dari Mid Velly
megamall. So situ ada LRT ada mall mmg terbaik la pendek kata I-Suite ni nanti, I
guess. Teruja gak sebnrnya dgn<span style="mso-spacerun: yes;"> </span>konsep
I-Suite ni. Kosep ala2 hotel. Fully furnish, so x payah nk pkir lagi nk beli
perabot n etc. Dijangka siap project I-Suite ni tahun2017. Anyway x da dapt apa2
pon dgn Developer. Just nk sharing berita panas ni. ;-) </span></div>
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<span style="font-family: Calibri;"><span style="mso-spacerun: yes;"> </span>Mudah2an dipermudahkan la urusan utk saya
jugak. Hehehe. 2<sup><span style="font-size: x-small;">nd</span></sup> house for<span style="mso-spacerun: yes;">
</span>Futher investment.<span style="mso-spacerun: yes;"> </span>So sni leh baca detail dia ni bg yg berminat . Katanya dah 70% booked, mcm pisang panas. Korang leh la msej mamat bawah tu utk berurusan ya. Leh mintak dgn dia detail lg:- </span></div>
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<span style="font-family: Calibri;"><span style="background-color: white; color: #141823; font-family: Helvetica,Arial,"lucida grande",tahoma,verdana,arial,sans-serif; font-size: 14px; line-height: 19.31px;">Hottest New Launching Hotel Design i-Suite @ i-City!!!</span></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhz8MFDOywONOLKD_T8POUmjw-HD_8htFdxpx6n2uQt-AO9LB_Y1Xv-vf4aDVA6P3M5hbzygwbj5HTxxSHG8rWqm8OxYvkm_eUKqhv_GqR5_3FBuSRD65ANyXvt8IkbXe-uCD4SYf-g5e7N/s1600/I-Suite+2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhz8MFDOywONOLKD_T8POUmjw-HD_8htFdxpx6n2uQt-AO9LB_Y1Xv-vf4aDVA6P3M5hbzygwbj5HTxxSHG8rWqm8OxYvkm_eUKqhv_GqR5_3FBuSRD65ANyXvt8IkbXe-uCD4SYf-g5e7N/s1600/I-Suite+2.jpg" height="296" width="400" /></a><br />
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<span style="font-family: Calibri;"><span style="color: #141823; font-family: "Helvetica","sans-serif"; font-size: x-small; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">-Booking only RM5k (RM 4K when S&P)</span></span><br />
<span style="font-family: Calibri;"><span style="color: #141823; font-family: "Helvetica","sans-serif"; font-size: x-small; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">-MOF up to 90%</span></span><br />
<span style="font-family: Calibri;"><span style="color: #141823; font-family: "Helvetica","sans-serif"; font-size: x-small; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">-Cash Back after Completion</span></span><br />
<span style="font-family: Calibri;"><span style="color: #141823; font-family: "Helvetica","sans-serif"; font-size: x-small; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">-FOC SPA Legal Fee</span></span><br />
<span style="font-family: Calibri;"><span style="color: #141823; font-family: "Helvetica","sans-serif"; font-size: x-small; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">-Fully Furnished (same as Show Unit)</span></span><br />
<span style="font-family: Calibri;"><span style="color: #141823; font-family: "Helvetica","sans-serif"; font-size: x-small; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">-Manage by Best Western Worldwide Group</span></span><br />
<span style="font-family: Calibri;"><span style="color: #141823; font-family: "Helvetica","sans-serif"; font-size: x-small; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">-Optional Leaseback to Best Western</span></span><br />
<span style="font-family: Calibri;"><span style="color: #141823; font-family: "Helvetica","sans-serif"; font-size: x-small; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">-Selling Price Start From RM4xxk</span></span><br />
<span style="font-family: Calibri;"><span style="color: #141823; font-family: "Helvetica","sans-serif"; font-size: x-small; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">-Completed 2017</span></span><br />
<span style="font-family: Calibri;"><span style="color: #141823; font-family: "Helvetica","sans-serif"; font-size: x-small; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">-Future LRT Station</span></span></div>
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<span style="font-family: Calibri;"><span style="color: #141823; font-family: "Helvetica","sans-serif"; font-size: x-small; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">The Next Project Bigger than Mid Valley City!! 72 Acres Land Projects!! New Highway! New Shopping Centre! New Business Centre! New College! New Apartment!</span></span><br />
<span style="font-family: Calibri;"><span style="color: #141823; font-family: "Helvetica","sans-serif"; font-size: x-small; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;">Hottest Landmark City Centre!!!!!</span></span></div>
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<span style="font-family: Calibri;"><span style="color: #141823; font-family: "Helvetica","sans-serif"; font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-MY;"><span style="font-size: xx-small;"><em>Jin Chong : 016-599 0210</em></span></span></span></div>
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<p style=" margin: 12px auto 6px auto; font-family: Helvetica,Arial,Sans-serif; font-style: normal; font-variant: normal; font-weight: normal; font-size: 14px; line-height: normal; font-size-adjust: none; font-stretch: normal; -x-system-font: none; display: block;"> <a title="View i Suite @ i City SalesKit on Scribd" href="http://www.scribd.com/doc/231716664/i-Suite-i-City-SalesKit" style="text-decoration: underline;" >i Suite @ i City SalesKit</a> by <a title="View Eriyl Ismail's profile on Scribd" href="http://www.scribd.com/eriyli" style="text-decoration: underline;" >Eriyl Ismail</a></p><iframe class="scribd_iframe_embed" src="//www.scribd.com/embeds/231716664/content?start_page=1&view_mode=scroll&access_key=key-kdtBP7yZfXMk3jkFp1Yf&show_recommendations=true" data-auto-height="false" data-aspect-ratio="1.4160125588697017" scrolling="no" id="doc_48839" width="100%" height="600" frameborder="0"></iframe>Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-49619894606025832492014-05-24T05:27:00.000-07:002014-05-24T06:19:11.693-07:00Purchasing using EPF Method. <div class="MsoNormal" style="background: white; line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #5b5b5e; font-family: Tahoma, sans-serif; font-size: 8.5pt;"><b>Rupa2nya baru tahu yg boleh utk 2nd house. So maklumat ni boleh membantu anda. JOM survey for 2nd House.</b></span></div>
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Procedure</span></u></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Account 1<o:p></o:p></span></div>
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<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Account 2<o:p></o:p></span></div>
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<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">% of distribution from monthly contribution<o:p></o:p></span></div>
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<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">70%<o:p></o:p></span></div>
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<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">30%<o:p></o:p></span></div>
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<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Purpose of Account<o:p></o:p></span></div>
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<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Savings for
retirement.<br />
This savings cannot withdraw before you attain the age of 55 years old.<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">To
own a house<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">To
finance you and your children’s education.<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">For
medical expenses.<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">4.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Upon
attaining age of 50 years old.<o:p></o:p></span></div>
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<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Purpose:<o:p></o:p></span></div>
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<li class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; color: #5b5b5e; line-height: 10.3pt;"><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">This withdraws allows you to
utilise your saving from Account 2 to partially finance your purchase of a
house <div class="separator" style="clear: both; text-align: center;">
</div>
individually</span><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>OR</b> </span><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">jointly with your spouse or close family members namely
parents or siblings.<o:p></o:p></span></li>
<li class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; color: #5b5b5e; line-height: 10.3pt;"><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Buying of a house with another
individual who has no kinship</span><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>is allowed provided</b> </span><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">that the other individual is a buyer and borrower<o:p></o:p></span></li>
<li class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; color: #5b5b5e; line-height: 10.3pt;"><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">This withdrawal allows you to
buy a house from a developer or an individual or through a public auction.<o:p></o:p></span></li>
<li class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; color: #5b5b5e; line-height: 10.3pt;"><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">EPF Withdrawal to purchase a
second house is allowed after the first house purchased utilising EPF has
been sold or disposal of ownership of property has taken place. Disposal
of ownership refers to ‘loss of ownership of the first house owned by you
either due to auction, surrender of property by court order, transfer of
ownership because of love and affection, destruction of house due to
natural disaster, abandoned housing project or cancellation of purchase’.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
Types of residential housing withdrawals:<br />
1) To purchase or build a first house.<br />
2) To purchase or build a second house.<br />
3) To reduce or redeem the housing loan for first house.<br />
4) To reduce or redeem the housing loan for second house.<br />
5) To assist spouse to reduce or redeem his/her housing loan.<o:p></o:p></span></div>
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="background-position: initial initial; background-repeat: initial initial; border-collapse: collapse;">
<tbody>
<tr>
<td style="border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt;"><div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">HOUSE PURCHASE FOR AN INDIVIDUAL</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt;"><div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">JOINT PURCHASE WITH SPOUSE OR OTHER INDIVIDUAL</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 50.0%;" width="50%"><div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">The difference
between the house price and the loan amount plus an additional 10% of the
house price<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">OR</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
All your savings in Account 2<br />
(Whichever is lower but not less than RM500.00)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">100% HOUSING LOAN</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
10% of the house price<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">OR</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">All your savings in
Account 2<br />
(Whichever is lower but not less than RM500.00)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid #C1C1C0 1.0pt; border-left: none; border-right: solid #C1C1C0 1.0pt; border-top: none; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 50.0%;" width="50%"><div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">The difference
between the house price and the loan amount plus an additional 10% of the
house price<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">OR</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
All the savings in each purchaser’s Account 2 subject to maximum amount
eligible for withdrawal<br />
(Whichever is lower but not less than RM 500.00)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">CASH PURCHASE</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
Price of the house with an additional 10% of the house price<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">OR</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">All your savings in
Account 2<br />
(Whichever is lower but not less than RM500.00)<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<br /></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">1) To purchase or build a second house.</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<ul type="circle">
<li class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; color: #5b5b5e; line-height: 10.3pt;"><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Members are allowed to withdraw
their EPF savings for a second time to purchase another house on condition
that members have sold (not in possession) the first house purchased
through EPF withdrawal.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">2) To reduce or redeem the housing loan for
first house.</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<ul type="circle">
<li class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; color: #5b5b5e; line-height: 10.3pt;"><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Application for withdrawal can
be made once every year from the date of the last housing withdrawal, with
a minimum amount of RM500, but subject to showing proof of sale or not in
possession of the first house to EPF.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">3) To assist spouse to reduce or redeem
his/her housing loan</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<ul type="circle">
<li class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; color: #5b5b5e; line-height: 10.3pt;"><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Members are allowed to withdraw
all money from Account 2 or the difference between the purchase price and
loan amount, whichever is lower, to assist their spouse to reduce or
redeem the housing loan even though they are not the borrower.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">NOTE:
The member need not be a joint owner of the house, the condition of withdrawal
include the proof of marriage.<o:p></o:p></span></div>
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="background-position: initial initial; background-repeat: initial initial; border-collapse: collapse; width: 100%px;">
<tbody>
<tr>
<td style="border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt;"><div class="MsoNormal" style="line-height: 10.3pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">CASH
PURCHASE FROM DEVELOPER</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt;"><div class="MsoNormal" style="line-height: 10.3pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">a) A confirmation
letter from the developer stating that purchase is by cash;</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>AND</b> </span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
b) Proof of payments of at least 20% of the price of the house;</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>AND</b> </span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
c) Architect’s Certificate to confirm progress of construction is not less
than 20%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
</span><b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Eligibility:</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<ul type="circle">
<li class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; color: #5b5b5e; line-height: 10.3pt;"><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">i) A Malaysian Citizen</span><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>OR</b></span><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
ii) A Malaysian Citizen who has made Leaving The Country Withdrawal before
1 August 1995 and has opted to re-contribute ot the EPF;</span><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>OR</b> </span><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
iii) A Non-Malaysian Citizen who:<o:p></o:p></span></li>
<ul type="circle">
<li class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; color: #5b5b5e; line-height: 10.3pt;"><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Has become an EPF member
before 1 August 1998,</span><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>OR</b></span><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></li>
<li class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; color: #5b5b5e; line-height: 10.3pt;"><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Has obtained a Permanent
Resident (PR) status.<o:p></o:p></span></li>
</ul>
<li class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; color: #5b5b5e; line-height: 10.3pt;"><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">You have not reached the age 55
at the time the EPF receives your application;</span><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>AND</b></span><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></li>
<li class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; color: #5b5b5e; line-height: 10.3pt;"><span style="font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">You have a minimum savings
balance of RM500.00 in your Account 2.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
<!--[if !supportLineBreakNewLine]--><br />
<!--[endif]--></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Procedure</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
1) Submission of EPF withdrawal form [</span><b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Form KWSP 9C(AHL)</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">]</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
2) The original copy of the Sale and Purchase Agreement.<br />
3) Photocopy of your Identification Card.<br />
4) A copy of the letter of loan approval from your end-financier.<br />
5) Proof of relationship<br />
(This is for joint purchase involving spouse or next of kin namely parents or
siblings. For joint purchase involving next of kin, the member is required to
submit an explanation letter stating the reason for the joint purchase)<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Note:
The original Sale and Purchase Agreement, Letter of Loan Approval from your
end-financier and your original Identification Card have to be sighted by the
EPF officials.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
<!--[if !supportLineBreakNewLine]--><br />
<!--[endif]--></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">NEW SCHEME:</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
</span><b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">FLEXIBLE
HOUSING WITHDRAWAL</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
</span><b><u><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Objective</span></u></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-bottom: 12pt; margin-left: 0.5in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">The Flexible Housing
Withdrawal is a process to</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>ring fence or set aside a part of savings </b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">in member’s</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>Account 2</b> </span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">to the</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>Flexible Housing Withdrawal Account </b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">to enable the member obtain a higher housing
loan amount to purchase/build a house.<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-bottom: 12pt; margin-left: 0.5in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">The concept or the
facility of the Flexible Housing Withdrawal is to</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>utilise</b> </span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">the current and future</span><b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">EPF’s
savings/contribution value</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">in consideration of
providing loan by the Financial Institution.</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 0.5in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Based on this concept,
the</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>monthly
contribution to the EPF is considered as an income</b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">. Therefore, the member can obtain a higher
loan amount since the credit assessment on the net income also takes the EPF
contribution into consideration (employee and employer’s share). As a result,
the member can purchase/build a house with a higher price since this would
enable them to obtain a higher loan to finance the purchase/building a house.<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<b><u><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Eligibility</span></u></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 0.5in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><b><u><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Basic Term</span></u></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">The eligibility to apply
for Flexible Housing Withdrawal is</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>subject to </b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">the member’s eligibility to apply for the
Purchase/Build A House Withdrawal under the existing EPF Housing Withdrawal<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Applicant is a</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>house
purchaser/building a house and has a housing loan</b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">.<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">c.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Applicable for only
one (1) house unit at any one time,</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>subject to </b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">the housing withdrawal eligibility<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">d.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Minimum savings period
of one (1) year<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-bottom: 12pt; margin-left: 1in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">e.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">The maximum period is</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>subject to </b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">the last date of housing loan or last date of
ring fencing the savings or age of 55 (whichever is earlier)<br />
<!--[if !supportLineBreakNewLine]--><br />
<!--[endif]--><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 0.5in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><b><u><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Citizenship</span></u></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Malaysian citizen;</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>OR</b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">A Malaysian citizen
who has made the Leaving in Country Withdrawal before 1 August 2005 and has
opted to re-contribute with the EPF;</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>OR</b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-bottom: 12pt; margin-left: 1in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">c.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">A Non-Malaysian
citizen who has obtained a Permanent Resident (PR) status<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 0.5in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><b><u><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Age</span></u></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Has not reached the
age of 54 on the date the application is received by the EPF<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 0.5in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">4.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><b><u><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Property and Loan</span></u></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Purchase a residential
house (type: bungalow/ terrace/ semi-detached/ apartment/ condominium/ studio
apartment/ service apartment/ townhouse/ SOHO) or shop lot with residential
unit;</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>OR</b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Build a residential
house / village house on own land or owned by spouse;</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>AND</b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">c.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Has a housing loan to</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>purchase/build
a house </b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">with any of the
approved Financial Institution</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><br />
<br />
You are</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>not eligible</b> </span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">if:<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -1in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>iv.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Buying land or house
lot only<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -1in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>v.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Renovate, repair/
additional works to the existing house<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -1in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>vi.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Purchasing/ building a
house overseas<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -1in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>vii.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Has a loan in the form
of overdraft or for the purpose of refinancing<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 0.5in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">5.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><b><u><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Ring Finance & Transfer Amount</span></u></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -1in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span> .<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">The Application amount
must not be more than the Housing Loan Amount<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -1in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Application to
transfer the savings in Account 2 can be made as follows:<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1.5in; text-indent: -1.5in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>i.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Transfer of existing
savings from Account 2 and monthly transfer (according to the fixed amount
applied by the member);</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>OR</b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1.5in; text-indent: -1.5in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>ii.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Monthly transfer
(according to the fixed amount applied by the member) only<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt; margin-left: 1in; text-indent: -1in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">The monthly fixed
transfer amount cannot be changed and will remain according to the amount
selected during application<o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<br /></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<b><u><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">How to Apply</span></u></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<b><u><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">First Time Application</span></u></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="background-position: initial initial; background-repeat: initial initial; border-collapse: collapse;">
<tbody>
<tr>
<td style="border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 27.0pt;" valign="top" width="36"><div align="center" class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">No.</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 205.5pt;" valign="top" width="274"><div align="center" class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Withdrawal Status</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 230.25pt;" valign="top" width="307"><div align="center" class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Required Documents by EPF</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 27.0pt;" valign="top" width="36"><div align="center" class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">1<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid #C1C1C0 1.0pt; border-left: none; border-right: solid #C1C1C0 1.0pt; border-top: none; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 205.5pt;" valign="top" width="274"><div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Member</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>has never
made </b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Withdrawal to
Purchase/Build a House or Withdrawal to Reduce/Redeem Housing Loan<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid #C1C1C0 1.0pt; border-left: none; border-right: solid #C1C1C0 1.0pt; border-top: none; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 230.25pt;" valign="top" width="307"><div class="MsoNormal" style="line-height: 10.3pt; margin-left: .5in; mso-list: l12 level1 lfo11; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Withdrawal to
Purchase/Build a House<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l12 level2 lfo11; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>i.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Form KWSP 9C(AHL)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l12 level2 lfo11; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>ii.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Bank Loan
Verification Letter<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: .5in; mso-list: l12 level1 lfo11; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Flexible Housing
Withdrawal<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l12 level2 lfo11; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>i.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Form KWSP 9Q(1)<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 27.0pt;" valign="top" width="36"><div align="center" class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid #C1C1C0 1.0pt; border-left: none; border-right: solid #C1C1C0 1.0pt; border-top: none; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 205.5pt;" valign="top" width="274"><div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Member</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>has made </b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Withdrawal to Purchase/Build a House or
Withdrawal to Reduce/Redeem Housing Loan</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>BUT has lost ownership of the house</b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="border-bottom: solid #C1C1C0 1.0pt; border-left: none; border-right: solid #C1C1C0 1.0pt; border-top: none; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 230.25pt;" valign="top" width="307"><div class="MsoNormal" style="line-height: 10.3pt; margin-left: .5in; mso-list: l5 level1 lfo12; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Withdrawal to
Purchase/Build a House<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l5 level2 lfo12; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>i.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Form KWSP 9C(AHL)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l5 level2 lfo12; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>ii.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Band Loan
Verification Letter<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l5 level2 lfo12; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>iii.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Document/Proof of
Lost of Property Ownership<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: .5in; mso-list: l5 level1 lfo12; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Flexible Housing
Withdrawal<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l5 level2 lfo12; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>i.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Form KWSP 9Q(1)<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 27.0pt;" valign="top" width="36"><div align="center" class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">3<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid #C1C1C0 1.0pt; border-left: none; border-right: solid #C1C1C0 1.0pt; border-top: none; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 205.5pt;" valign="top" width="274"><div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Member </span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">has made Withdrawal to Reduce Housing Loan for Spouse and/or
Housing Loan Monthly Instalment Withdrawal<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid #C1C1C0 1.0pt; border-left: none; border-right: solid #C1C1C0 1.0pt; border-top: none; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 230.25pt;" valign="top" width="307"><div class="MsoNormal" style="line-height: 10.3pt; margin-left: .5in; mso-list: l1 level1 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Withdrawal to Purchase/Build
a House<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l1 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>i.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Form KWSP 9C(AHL)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l1 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>ii.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Bank Loan
Verification Letter<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: .5in; mso-list: l1 level1 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Flexible Housing
Withdrawal<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l1 level2 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>i.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Form KWSP 9Q(1)<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 27.0pt;" valign="top" width="36"><div align="center" class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">4<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid #C1C1C0 1.0pt; border-left: none; border-right: solid #C1C1C0 1.0pt; border-top: none; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 205.5pt;" valign="top" width="274"><div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Member</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> <b>has made </b></span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Withdrawal to Purchase/Build a House or
Withdrawal to Reduce/Redeem Housing Loan<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid #C1C1C0 1.0pt; border-left: none; border-right: solid #C1C1C0 1.0pt; border-top: none; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 230.25pt;" valign="top" width="307"><div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Member is not
eligible for Flexible Housing Withdrawal<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<br /></div>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<b><u><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Second Time and Subsequent Application</span></u></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="background-position: initial initial; background-repeat: initial initial; border-collapse: collapse;">
<tbody>
<tr>
<td style="border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 27.0pt;" valign="top" width="36"><div align="center" class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">No.</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 205.5pt;" valign="top" width="274"><div align="center" class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Type of Property</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 230.25pt;" valign="top" width="307"><div align="center" class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Required Documents by EPF</span></b><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 27.0pt;" valign="top" width="36"><div align="center" class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">1<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid #C1C1C0 1.0pt; border-left: none; border-right: solid #C1C1C0 1.0pt; border-top: none; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 205.5pt;" valign="top" width="274"><div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Same Properties<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid #C1C1C0 1.0pt; border-left: none; border-right: solid #C1C1C0 1.0pt; border-top: none; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 230.25pt;" valign="top" width="307"><div class="MsoNormal" style="line-height: 10.3pt; margin-left: .5in; mso-list: l6 level1 lfo14; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Cancellation of
Flexible Housing Withdrawal<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l6 level2 lfo14; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>i.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Form KWSP 9Q(2)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: .5in; mso-list: l6 level1 lfo14; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Withdrawal to
Reduce/Redeem Housing Loan<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l6 level2 lfo14; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>i.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Form KWSP 9C(AHL)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l6 level2 lfo14; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>ii.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Bank Loan
Verification Letter<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: .5in; mso-list: l6 level1 lfo14; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">c.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Flexible Housing
Withdrawal<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l6 level2 lfo14; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>i.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Form KSWP 9Q(1)<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid #C1C1C0 1.0pt; mso-border-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 27.0pt;" valign="top" width="36"><div align="center" class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid #C1C1C0 1.0pt; border-left: none; border-right: solid #C1C1C0 1.0pt; border-top: none; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 205.5pt;" valign="top" width="274"><div class="MsoNormal" style="line-height: 10.3pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Different Properties<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid #C1C1C0 1.0pt; border-left: none; border-right: solid #C1C1C0 1.0pt; border-top: none; mso-border-alt: solid #C1C1C0 .75pt; mso-border-left-alt: solid #C1C1C0 .75pt; mso-border-top-alt: solid #C1C1C0 .75pt; padding: 3.95pt 3.95pt 3.95pt 3.95pt; width: 230.25pt;" valign="top" width="307"><div class="MsoNormal" style="line-height: 10.3pt; margin-left: .5in; mso-list: l0 level1 lfo15; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Withdrawal to
Purchase/Build a House<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>i.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Form KSWP 9C(AHL)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l0 level2 lfo15; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>ii.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Bank Loan
Verification Letter<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l0 level2 lfo15; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>iii.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Document/Proof of
Lost of Property Ownership<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: .5in; mso-list: l0 level1 lfo15; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Flexible Housing
Withdrawal<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 10.3pt; margin-left: 1.0in; mso-list: l0 level2 lfo15; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-text-indent-alt: -.25in; tab-stops: list 1.0in; text-indent: -1.0in;">
<!--[if !supportLists]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: Tahoma;"><span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span>i.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Form KWSP 9Q(1)<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="background-position: initial initial; background-repeat: initial initial; line-height: 10.3pt;">
<span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";">Further
detail can be referred to:<br />
<br />
Kumpulan Wang Simpanan Pekerja<br />
Bangunan KWSP, Jalan Raja Laut, 50350 Kuala Lumpur.<br />
Tel : (603) 26946566 Email :</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><a href="mailto:enquiry@epf.gov.my" target="_blank"><span style="color: #4478c3; mso-bidi-font-size: 11.0pt; text-decoration: none; text-underline: none;">enquiry@epf.gov.my</span></a><br />
Fax : (603) 26948433 Website :</span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: #5b5b5e; font-family: "Tahoma","sans-serif"; font-size: 8.5pt; mso-fareast-font-family: "Times New Roman";"><a href="http://www.kwsp.gov.my/" target="_blank"><span style="color: #4478c3; mso-bidi-font-size: 11.0pt; text-decoration: none; text-underline: none;">www.kwsp.gov.my</span></a><o:p></o:p></span></div>
<br />
<br />
#sbenarnya aku masih "semuda jagung" <i>(bukan setahun jagung ker???)</i> cerbur diri dalam dunia ni. Minat, tp x 100% fokus dalam dunia property ni. Smua yg aku <i>sharing</i> ni x seberapa, sekadar <i>sharing</i>. ramai lagi otai yg aku patut rujuk dalam dunia ni. INSYAALLAH jika di beri masa yg sesuai<br />
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Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-28995756874577884822014-05-21T03:08:00.001-07:002014-06-22T07:37:01.962-07:00 Segmen Bloglist Bubblynotes.Com 48 Jam #1<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.bubblynotes.com/2014/05/segmen-bloglist-bubblynotescom-48-jam-1.html" target="_blank"><img alt="http://www.bubblynotes.com/2014/05/segmen-bloglist-bubblynotescom-48-jam-1.html" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiaAEpxcTUtKzNT6c_OvfcxzZm_-li7_yoClukXfrIpEWRWP_In_knnfRa44SgcnipMJtusTfNq0dj2s3E8Or8WT1DV2gLFpxAzrCfpHUa6SyPq8OunzDWZEIw91Dny3cW7-eKNKehWzPY/s1600/Segmen+Bloglist+Bubblynotes.Com+48+Jam+%231.png" height="167" width="400" /></a></div>
<div style="text-align: justify;">
<b><a href="http://www.bubblynotes.com/2014/05/segmen-bloglist-bubblynotescom-48-jam-1.html" target="_blank">Segmen Bloglist Bubblynotes.Com 48 Jam #1</a> </b>bermula dari <b>20/5/2014 SEHINGGA 22/5/2014, jam 9.45 a.m... </b>Semua blogger tak kira yang baru atau lama, femes atau tidak, retis atau tidak dijemput untuk memeriahkan segmen ini... Tujuan? Pertama, haruslah nak pilih <b>10 orang blogger yang bertuah </b>untuk masuk bloglist <a href="http://www.bubblynotes.com/" target="_blank"><b>Bubblynotes.Com</b></a> dan nak rapatkan lagi silaturahim sesama kita, follow memfollow untuk semua blogger2 yang menyertai segmen ini. Pemenang segmen akan dipilih oleh pakcik Random.Org... </div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>Hanya 4 Langkah Mudah Diperlukan:</b></div>
<div style="text-align: justify;">
1. <b>FOLLOW </b>blog <b><a href="http://www.bubblynotes.com/" target="_blank">Bubblynotes.Com</a> </b></div>
<div style="text-align: justify;">
2. Buat entri bertajuk: <b>Segmen Bloglist Bubblynotes.Com 48 Jam #1</b></div>
<div style="text-align: justify;">
3. Copy coding yang telah disediakan ke dalam ruangan <b>HTML </b>dan <b>Publish </b>entry. Untuk copy coding di bawah, sila <b>HIGHLIGHT </b>semua coding dan tekan <b>CTRL + C</b> secara serentak.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: center;">
Kemudian pastekan coding seperti tutorial di bawah ini...</div>
<div style="text-align: center;">
<br /></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSwEF1GbV8oSl7Q6tSTV7H5Ybl1QxX4ZiKz80Ok0EOVtWY_HXCygzZ7jw7NzgXm5f-WNnxPGnO68oUVkK6Cb4AIHaDwVl2L-jrNNCmsvibVJ-N34fIAGyOTh9jlQAy7Qql3HmOVgGZZhk/s1600/tutorial.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSwEF1GbV8oSl7Q6tSTV7H5Ybl1QxX4ZiKz80Ok0EOVtWY_HXCygzZ7jw7NzgXm5f-WNnxPGnO68oUVkK6Cb4AIHaDwVl2L-jrNNCmsvibVJ-N34fIAGyOTh9jlQAy7Qql3HmOVgGZZhk/s1600/tutorial.png" height="80" width="320" /></a></div>
<div style="text-align: center;">
</div>
<div style="text-align: justify;">
4. <b>Tinggalkan URL entry </b>uolss ke dalam ruangan komen di bawah. </div>
<div style="text-align: justify;">
<b><br /></b></div>
<div style="text-align: justify;">
Simple dan mudah kannn??? Segmen copy+paste paling awesome kot bagi iolss... </div>
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<br /></div>
<div style="text-align: justify;">
<b>PEMILIHAN PEMENANG:</b></div>
<div style="text-align: justify;">
1. 10 blog akan dipilih melalui Pakcik Random. (random.org)<b> </b></div>
<div style="text-align: justify;">
2. Pemenang akan diumumkan pada <b>23/5/2014.</b></div>
Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-83392297506752262352014-05-20T08:05:00.003-07:002014-06-22T07:37:01.968-07:00Giveaway Diari Jejaka Hangat 2014<span class="fullpost">
</span>
<br />
<div>
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.diarijejakahangat.com/2014/05/giveaway-diari-jejaka-hangat-2014.html"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgo8PdE5YdOGWCaJ4yBQ-QKcTQ9b3EItyaiGweszzE_WMOopNK1pSutnsvYRCqy_RjKp2Rnad3ZPymJwj_3YJN3Pmhsg_JAnZ1hjL4zxJJa3WewoKPtYfZjgFq3HQ_lUEe7ETkQbfKa8tRF/s1600/Giveaway+Diari+Jejaka+Hangat+2014.PNG" height="273" width="320" /></a></div>
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Klik Banner Untuk Join</div>
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Assalamualaikum dan Salam Sejahtera.</div>
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<blockquote class="tr_bq" style="clear: both; text-align: justify;">
<b><a href="http://www.diarijejakahangat.com/2014/05/giveaway-diari-jejaka-hangat-2014.html">Giveaway Diari Jejaka Hangat 2014</a></b> dilancarkan buat julung kalinya. Pelbagai hadiah menarik telah disediakan khas untuk anda. Jadi, apa tunggu lagi? Jom sertai Giveaway Diari Jejaka Hangat 2014.</blockquote>
<br />
<b>Hadiah :-</b><br />
<br />
Perfume Sample Grade 5A<br />
Dress<br />
Custom Made T-Shirt Geek<br />
Shawl<br />
Mistery Gift<br />
Collagen Lips Mask<br />
Tudung Bawal<br />
<span style="text-align: start;">Topup</span><br />
<br />
<blockquote class="tr_bq" style="text-align: left;">
Giveaway Diari Jejaka Hangat 2014 ditaja oleh<span style="text-align: center;"> [</span><a href="http://www.diarijejakahangat.com/" style="text-align: center;"> DJH</a><span style="text-align: center;"> </span><span style="text-align: center;">] [</span><span style="text-align: center;"> </span><a href="http://rexylla.blogspot.com/" style="text-align: center;">Rexylla </a><span style="text-align: center;">] [</span><a href="http://fatihahfazlin333.blogspot.com/" style="text-align: center;"> Fatihah Fazlin </a><span style="text-align: center;">] [</span><span style="text-align: center;"> </span><a href="http://herlittlehome.blogspot.com/" style="text-align: center;">Auni Sofea</a><span style="text-align: center;"> </span><span style="text-align: center;">] [</span><span style="text-align: center;"> </span><a href="http://www.kinderbueno-wolf.blogspot.com/" style="text-align: center;">Rara Farhana</a><span style="text-align: center;"> </span><span style="text-align: center;">] [</span><span style="text-align: center;"> </span><a href="http://nenektanjung.blogspot.com/" style="text-align: center;">Ana Solehah</a><span style="text-align: center;"> </span><span style="text-align: center;">] [ <a href="http://matacahayakejayaan.blogspot.com/">Ain</a> ]<a href="https://www.facebook.com/JAMUPESONAANGGUN?ref=tn_tnmn"> [ Eryati ]</a></span></blockquote>
<blockquote class="tr_bq" style="text-align: center;">
Jom memeriahkan Giveaway kali ini!!...</blockquote>
<div>
</div>
</div>
Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com0tag:blogger.com,1999:blog-3288801993619941675.post-59464587528969433682014-05-20T00:40:00.001-07:002014-05-20T01:58:03.350-07:00Loss Of Use – insurance Claim (kereta)<div class="MsoNormal">
Kes
ni berlaku sekitar tahun 2007. Masa tu x sampai setahun pakai kereta. Hari tu,
saya ada meeting di Putrajaya, office di Jalan Cenderasari kat area Bukit Aman.
Meeting dari awal pagi smpai la ke Petang. Maksudnya pada haritu saya x masuk
pon office terus ke menara PJH di presint 2 klu x silap. Kreta housemate guna
selpas hntar saya meeting di Putrajaya memandangkan jarak rumah x berapa jauh
(sekitar Puchong).</div>
<div class="MsoNormal">
Kemalangan berlaku di kawasan Putrajaya sekitar parking lot di belakang
office PM. Pemandu pompuan tu tersalah masuk jalan dan mengundurkan kereta dia
dengan mode “sepantas kilat” (auto la katakana), konon2 x da org di belakang. Ha,
apa lagi, remok bonet depan kereta saya sedangkan bonet kreta pompuan tu ckit
jer kemek. Biasa la disini saya belajar tentang kualiti kereta “Buatan kita”. Sebenrnya Myvi vs Myvi. Punya la remok hati
saya ni tgok kreta saya terok senget muka dia, pandangan dari depan x sampai
pakai setahun. Sebaik pompuan tu ngaku salah. Ngaku atau x ngaku, balai tetap
balai masing2 buat report.</div>
<div class="MsoNormal">
Masa
buat report mcm biasa lah, mcm2 prosedur dan saya terus hntar kereta ke bengkel
Produa di Balakong. Sebab x caya sgt kat bengkel bukan dari acuan kreta tu
sendiri kan. Sebab takot kena tipu. Mcm2 cara org nak kaut untung kan. So x mau
ambik risiko tu yg <i>decide </i>ke Produa
sendiri.</div>
<div class="MsoNormal">
Macam biasa jugak byak proses nya. Lepas hantar kereta masa
tu, saya f.up dgn workshop status kreta saya. Ada la beberapa proses agen
insurance nak inspect, tggu report dari police report tentang kes kemalangan tu
la dan mcm2 lagi. Memang kes saya tu nmpak mudah, Cuma perlukan masa sedikit. Dan
memandangkan lawan saya tu mmg ngaku dah dia yg salah. So dokumen tu semua
workshop yg satelkan dan uruskan dgn insurance.
</div>
<div class="MsoNormal">
So
dalam kes ni, kreta saya di baiki claim atas insurance saya dahulu kemudian
akan claim smula ke atas insurance kreta minah tu. Saya Guna takaful sebab
belajar dari kengkawan agen insurance. Mudah dan cepat nak buat claim sebab
system takaful online. Semua dihujung jari kata kau… pompuan tu pakai insurance Alien. (insurance apa tu???). Memang betol pon takaful ni the best car insurance. Pernah berlaku kemalangan dgn
kawan masa tu. Towing truck berebut nk tarik kreta kitaorng sebab bila tahu
kreta kawan tu guna insurance takaful. Dan charge towing x perlu bayar ya (kau
ado???). X tahu la klu insurance lain. Siap tnya kat abg towing tu. Dia cakap
mmg mudah berurusan dgn insurance takaful. </div>
<div class="MsoNormal">
Macam
biase la saya akan prepare diri utk sebarang kemungkinan. Kebetulan ada la
kawan insurance. Cuma ingin tahu jer process mcm mna utk claim. Cita punya
citer dia sharing something yg agak best sgt masa tu. Dia tnya saya waktu tu
ada x buat claim “Lost of use”. Maksudnya claim insurance semasa kita x guna
kereta kita – masa kreta dalam workshop. Mana ada workshop nk story tu semua. Mna
ada insurance nak citer tu semua kan. Sebaik ada abg Zul masa tu (bukan nama
sebenar). So Apa lagi, claim semaksimum
mungkin. Sebenarnya ada Law nya. Kita bleh claim ikot kelayakan cc kreta. So masa
nk isi form tu akan di ajar oleh workshop. (baru la nak ajar kan sebab saya dah
tahu pasal “Loss of Use”) so ingat term ni ya baik2……. Bukan LOST Of Tambun”.</div>
<div class="MsoNormal">
Lupa
nak story pasal saya kena kluarkan duit rm 400 klu x silap sebab kesalahan saya
kreta tu dipandu bukan Pemandu / owner sendiri masa kemalangan. Melainkan dalam
insurance saya ada declair pemandu selain saya sendiri. So x kena la saman. Tp x
pa, pengalman kan. So claim “loss of use” tu sya claim atas insurance kreta
pompuan tu. Yang paling x best nya bila
nk dapat claim loss off use tu nk kena selalu update dgn Alien insurance tu
HQ di KL central. Leh siap cakap lg dgn opis diorg saya nak buat claim kerugian
masa saya nk call, turun naik office diorang dan kerugian saya ambil cuti tapi
claim tetap x dapt. Lastly bru cheque saya dikeluarkan dan saya suka walkin
dari nk tggu diorang nak kurier. Rasenya
2 / 3 bulan baru nak dapt laim tu. </div>
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So
bila next year kejadian tu saya nak renew insurance, mmg NCD saya x terusik pon. Mmg sah lah repair kreta saya tu claim atas insurance
kreta minah tu. </div>
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Mybe leh guna link ni tuk paham
lagi maksudnya… </div>
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<a href="http://www.legalmatch.com/law-library/article/loss-of-use.html">http://www.legalmatch.com/law-library/article/loss-of-use.html</a>
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Anonymoushttp://www.blogger.com/profile/00914592757625239011noreply@blogger.com34tag:blogger.com,1999:blog-3288801993619941675.post-70432575119226000492014-05-19T04:14:00.005-07:002014-05-20T01:59:36.001-07:00My 1st House<div style="margin-bottom: .0001pt; margin: 0in;">
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-size: 11pt;"> Sebenarnya x
terlintas nak beli rumah lagi masa tu (Last year Feb 2013). Mcm biase la koje
mcm "kite" ni kat tgah laut, klu tgh bosan, nak ilangkan bosan gatai2
tangan la mesej kengkawan onboard (seperjuangan - a.k.a rakan medic). Tetiba
dia ajak "kite" ni beli umah sama2. so leh la jadi jiran katanya.
Anip (bukan nama sebenar) masa tu kata dia dah pon booking rumah di
"Pelangi Seri Alam" dgn sorang lagi "rakan laut". Cuma RM
500 jer booking dan trus dia bg contact no n email. Terus habiskan citer mesej
dgn anip, Sebab memang dapat je cantact nama n email developer tu trus je call
masa tu. hehhehe punya la<span class="apple-converted-space"> </span><i>excited</i><span class="apple-converted-space"> </span>masa tu nak plak anip cakap kawasan
umah tu dakat dgn UiTM Puncak Alam. so market value sure akan<span class="apple-converted-space"> </span><i>meletops</i><span class="apple-converted-space"> </span>nanti.<o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-size: 11pt;"> <b>Banyak
faktor2 masa tu nak sngat beli umah:-</b><o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-size: 11pt;">1- Penat satelkan loan rumah org (menyewa umah ler - baik la
sangat "kite" nk byar loan org kan, heheh)<o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-size: 11pt;">2- Incometax - konon boleh claim nanti (last pembelian rumah 2012
je leh claim sebnarnya -<span class="apple-converted-space"> </span><i>menci</i>)<o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-size: 11pt;">3- Dapat 10% discount Bumiputra + 2% Rebet dari developer plak tu
cuma byar booking RM 500 jer...<o:p></o:p></span></div>
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<br /></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-size: 11pt;"> Punya la
sronok dapt call Developer masa tu sebab katanya rumah memang dah SOLD OuT. mcm
pisang panas. Padahal Anip bgtau x smpai semggu dia booking rumah tu. Cuma
tggal ada satu rumah tu, client loan x lepas. <i>So </i>sepantas
kilat buat booking bayar RM 500. Pastu ada la beberapa proses isi borang dan
developer <i>habaq </i>kalau dapat satelkan <i>sign </i>beberapa
borang di Pejabat Peguam utk urusan <i>S&P (Sale And Purchase
Agreement) </i>dalam masa 14 hari<i> </i>dpat rebet 2% (hampir
7K). Kebetulan masa tu mmg dah nak <i>sign off </i>(cuti). Dengan
pantas bila <i>sign off</i> pi pejabat <i>lawyer. Best </i>tao
nama lwyer "kite"<b>Khalid Mutang </b>(best ker??) Lepas jer
jumpa lwyer sign beberapa borang<span class="apple-converted-space"> </span><i>apa
tah</i><span class="apple-converted-space"> </span>dan mintak salinan IC dan
auntie tu buka la fail "kite". Loan bank plak Developer yg uruskan<o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-size: 11pt;"> Ok
masa kat office lawyer tu, auntie tu cakap nanti sediakan duit masa nak
sign <i>S&P. Kira duit process la. R</i>upa2nya developer x cover
duit proses dgn lawyer. So ni la proses pembelajaran "kite" yg 1st
timer nk beli umah.<span class="apple-converted-space"> </span><i>So</i><span class="apple-converted-space"> </span>x kisah lah sebab leh prepair duit
lagi sebab loan x tahu lagi bank mana.<o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-size: 11pt;">
Pasal Loan plak ada la beberapa bank call dan interview OCBC, Maybank
& Muamalat. Masa tu x kisah pikir bank mana pon. Siapa cepat dia da pilihan
hati. hehhehe. (mcm realiti tv program mencari jodoh plak). Paling best
masa tu bank Muamalat. Dengan pantas dan bersungguh diorg nak sgt tolong kite.
walaupon masa tu onboard, transaction isi from smua online. Lastly approved dah
loan and kena la dtg bank tu, Cawangan s.alam, bersebelahan office Shapadu
(mainpower suuply O&Gas). <o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-size: 11pt;">Mcm biasa la sign segala2nya sikit punya tebal. Heheheh<span class="apple-converted-space"> </span><i>fefiling retis lak</i>. Hahahha<o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-size: 11pt;">Lepas jer sign dgn bank trus je gatai tngan call plak Khalid
Mutang (kite nya lawyer) sebab nk diorg cepat2 pggil kita tuk sign S&P lak.<o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-size: 11pt;">
Masa Sign S&P kita kena byar duit proses S&P dgn Khalid Mutang. X kisah
lah 2k lebih je ckit. Pastu lama jugak la lepas kite sign S&P, kite x
update apa2 sebab kite diberitahu developer bulan April 2014 project siap. Ada
la beberapa kali surat developer dtg cc pada kite yg mentioned diorg x terima
apa2 lagi payment dari bank.<o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-size: 11pt;">
So tergerak hati nak tahu apa yg sedang berlaku sebenarnya. Last month on April
2014 kita call lawyer, developer & bank. Rupa2nya developer x bayar duty
stem dan bank x leh proses apa2 payment pada developer. So maksudnya kat sini
kite belajar sesuatu. “jagan biarkan bulat2 pada lawyer, developer dan bank
tanpa kite amik kira apa yg sedang berlaku”. Bila call developer kata bank x
buat pembayaran dan charge naik so nk kata kite pulak kena tanggung charges.
Bila saya explain balik sebab apa bank x keluarkan 1<sup>st</sup><span class="apple-converted-space"> </span>payment, baru la developer slow down
balik cakap pihak diaorang akan investigate balik macam mana. Geram lak rase
time tu. X nak bg rebet la tu 2%, mcm2 plak alasan. X nak plak dia cakap masa
pembelian rumah mula2 dlu. Kalau developer cakap awal2 akan ada masalah ambil
rumah org yg loan x lepas tu, mmg kite x kan beli nyer. Hampeh tol rase. <o:p></o:p></span></div>
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<span style="font-size: 11pt;">
Skarang ni kite tengah tunggu surat dari developer, katanya lebih kurang mcm
diaorng sedang buat investigate calculation yg saya kena kluarkan duit lg atas
sebab2 kelewatan. Katanya lg project dah lama berjalan Cuma proses sya membeli
agak lewat. Katanya smuanya x salah, Cuma system jer dah setting… tggu jer ni
apa akan berlaku lepas ni. Dah ready sebarang kemungkinan. Yang pasti kite
menggu sesiapa yg bersedia nak sharing case yg lebih kurang dgn kita atau
kenalan2 lawyer yg tahu hal yg serupa mcm kite ni….<o:p></o:p></span></div>
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<span style="font-family: Calibri, sans-serif; font-size: 11pt;">Sharing is caring…. Insya Allah
akan di<span class="apple-converted-space"> </span><i>update</i><span class="apple-converted-space"> </span>cerita setrusnya…. </span><span style="font-size: 11pt;"><o:p></o:p></span></div>
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