It is hereby agreed that all no claim rebate payment that are less than Ringgit Malaysia Ten (RM10.00) will be donated to charity funds as determined by the Company and endorsed by the Company's Shariah Advisory Body. As the participant, should you opt for otherwise, please submit a formal request at any of our branches within three (3) months from the date of declaration, failing which, the Company shall have the right to donate the said amount to the abovementioned charity funds.

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