STRC-i is a Shariah-compliant Short Term Revolving Credit facility offered under the Islamic contract of either Bai´ Al Inah (sale with immediate repurchase) or Murabahah (cost plus profit sale).

STRC-i Features:

Item	Features	Description
1.	Concept	Based on Murabahah concept, an underlying asset belonging to the customer is required for the sale and purchase transactions in exchange for the facility amount required. Under Bai´ Al Inah concept, the identified underlying asset required for the sale and purchase transactions in exchange for the facility amount required belongs to the Bank.
2.	Eligibility	All corporate customer. Middle market customer.
3.	Tenor	1 month, 2 months, 3 months, 6 months, 9 months and 12 months.
4.	Rate	Variable Rates i.e Ceiling Rate BFR + 4 or 10% whichever is higher. This rate is used to calculate the Selling Price. Effective Rate To be pegged to the Bank's Cost of Funds (COF) plus a credit spread. COF is made up of KLIBOR plus (liquidity and reserve costs etc) plus margin.

For further information, please visit your nearest Commercial Business Centre or Trade Finance Centre or Corporate Investment Banking.

Or contact:

• 03-2074 8199 (for Commercial Business Centre)
• 03-2074 7998 (for Trade Finance Centre)

*Terms and conditions apply