Khariman Abdul Jamil

BANK ISLAM TRUST CO (Labuan) LTD www.bankislamtrust.com.my
Sept 2005 - Sept 2010 Head of Marketing
Bank Islam Trust Co (L) Ltd is an offshore trust company that is wholly owned by Bank Islam
Malaysia Bhd; operating at the Labuan International Banking and Financial Centre.

Responsibilities: • Coordinate company sales and marketing functions to achieve the target income and profitability for the company;

• Identify and develop new product niches and markets for Bank Islam Trust;

• Identify and develop new "channels/ intermediaries"

• Aggressively market and promote Labuan to international registered agents, trust companies, legal
firms and private banks within the region and worldwide;

• Conduct bespoke marketing activities to raise awareness of Bank Islam Trust products and services to the relevant markets

• To manage relationships with intermediaries and the associations representing them, convince
intermediaries to establish a Labuan presence, plus to assist existing Labuan-based intermediaries to establish international networks

• Develop and coordinate sales selling cycle and methodology including develop network of
Corporate Sales Intermediaries (CSI) and Business Advisors (BA agencies);

• Conduct Selection of CSI and BAs and appointing agency for the company, provide products and sales training, "Momento" (Monitoring and Mentoring) and review their performance of the agencies;


• Plan and coordinate public affairs and communicate efforts to include public relations and community outreach;

• Ensure compliance with the company outlined operational procedures;

• Promote positive relations with high networth individuals, customers, agencies and communities;

• Promote the company role as the leading Syariah compliant trustee for the International Sukuk as well as syariah compliant mutual funds;

• Assume the responsibilities as Acting CEO in the absence of CEO


2


Current Projects
• Leading team for market entry into Indonesia via strategic business collaboration with PT
Bank Muamalat Indonesia in Indonesia and to provide comprehensive Islamic trust products,
which will provide consistent custodian income to the company;

• Leading team for new market entry in GCC countries i.e Dubai, Qatar, Kuwait and Saudi
Arabia. Network and contact already initiated for Islamic Trust Products on "kitchen
approach" and white labeling;

• Wire Transfer facilitation for current Sahm An Nour Charity Trust collaboration with world
leading wire transfer company with more than 250, 000 outlet worldwide (under negotiation on rates and modus operandi) with a recorded net profit of USD5.0 Billion in 2009

• Setting up Sanduq Al Hujaj (SAH) in Pakistan via Labuan SPVs a structure mirroring the
Pilgrim's Fund Body (Tabung Haji in Malaysia);

• Waqaf of Madarasah (religious schools) in Qatar and Saudi Arabia with top Islamic Scholars in both countries. The waqaf includes land, buildings and cash donated by philanthropist.
Currently documents for submission under Labuan Foundation Act is in the pipeline and previous applications form are replaced with new forms furnish by Labuan FSA.

• Consolidation of 25 vessel belonging to Petronas Contractors is already in the pipeline
registering in Labuan. Previously these vessels are flagged in Panama and Virgin Islands.
Consolidation is due to the recent changes in Labuan Law pertaining to Vessel registration and captive Insurance enhancement


Accomplishment:
• Shortlisted as "Innovative Islamic Trust Products" by Amana Magazine UK

• Achieved 8% market share for Labuan Offshore Companies Incorporation

• Highest Registered of Islamic Trust In Labuan Jurisdiction

• First Waqaf Charitable Trust Established In Labuan

• Pioneering in obtaining LOFSA and Finance Ministry approval to set up trust allowing
Malaysian's Residents assets overseas registered via Labuan

• Promoted the Islamic custodian features that were structured and combined with offshore
companies and offshore trust in several jurisdictions and countries;


3


• Public Relations Initiatives for Bank Islam Trust CEO appearance: -

o Prime News of Malaysia TV, TV3, commentary on Trading of "Gold Dinar" i.e.
establishment of Bullion Bank, Authority Commission of Gold Trading and Mutual
Funds/ECR for Gold investment. On 29 May 2009.

o "Budget 2009" program by ASTRO Awani on August 2008 to discuss on then the upcoming Malaysian Budget for 2009, together with ISIS Chairman and CEO of the
Malaysian Minority Shareholders Group.

o Editor Magazine - Islamic Wealth Management in 21st Century


• Conducted presentations at various public and private seminars including workshops on
Islamic Trusts and Wealth Management held in Malaysia, Indonesia and Dubai presentations as follows:

o Labuan as the Centre of Charity and Islamic Trust Management, Islamic Funds

World Dubai, Fairmont Hotel Dubai, 2 - 4 November 2009

o Unlocking Opportunities With Islamic Trust at Labuan IBFC, Hilton KL Sentral,
18 December, 2008
o Introduction Islamic Trust Product, Sheraton Hotel Kuala Lumpur- February2006

o What can Labuan Offer? Sheraton Imperial Kuala Lumpur- March 2006

o Thrusting Trust Business in Labuan, CSI/BAs Training Programme Kuala
Lumpur- March 2006.

CITIBANK BHD
July 2003 - August 2005 SENIOR EXECUTIVE
Citibank is one of the largest full service banks in the world offering an unparalleled range of products and services. In Malaysia, their presence are in Kuala Lumpur, Penang and Johor Bahru

Duties:
• Command good interpersonal and communication skills to generate referral business, leads, and relationships with individuals, existing clients, past clients, Real Estate Developers and
Professionals;

• Participate in training for marketing, sales, and scenario techniques to effectively sell,
package, and close consumer mortgages;

• Take thorough and complete loan applications; analyze and prequalify applicant information to determine viability of the client's desired loan program.

• Pull credit, analyze credit, and compare for accuracy with the mortgage borrower's statements.
Correct inaccuracies and determine the correct loan options for the borrower based upon the applicant's present situation, future plans, and preferred loan product
4


• Provide guidance and information relevant to the risks and benefits of each program the applicant is qualified for; effectively explain and communicate the terms of each product and
ensure all documents necessary are signed by the borrower.

• Gather all initial documentation required based upon the applicant's selected loan program and including all disclosure requirements.

• Provide the loan package to the loan processor for review, stacking, and pre-submission audit.

• Work with the loan processor to provide any letters of explanation, or additional
documentation as necessary and required by underwriting to clear all conditions and close
each loan.

• Maintain a working file for the office as required for compliance.

• Conducted market research and "intelligence" report and prepare the overall Strategic
Business Plan and Marketing Plan including Marketing Communication Plan in order to refocus the company business outlook, vis-à-vis implementation and monitoring of the
marketing and business budget;

• Ongoing monitoring of market changes, competitors' activities as well as development of new
product range, packaging, cross selling of existing products into the market;

• Prepared and executed business proposal in securing new corporate business that fits the
Trustee business strategy and commensurate with the Bank quality standard;

BUMIPUTRA COMMERCE TRUSTEE BHD
Jan 2000 - Jun 2004 CLIENT RELATIONSHIP MANAGER
Bumiputra-Commerce Trustee Berhad now is known as CIMB Trustee Berhad with the merger of the
Commerce Asset Group, it is a 100% owned by CIMB Group.

Duties:
• Work hand in hand with business development division in promoting trustee services and products to both individuals & corporate clients, which includes trusteeship for Bonds, Sukuk,
Mutual Funds, Club memberships as well as Islamic trust products for individuals like Hibah,
Waqf, Will and Estate Administration;

• Compile market research and prepare the overall Strategic Business Plan, Marketing Plan
including Marketing Communication Plan in order to refocus the company business outlook,
vis-à-vis implementation and monitoring of the marketing and business budget;

• Ongoing monitoring of market changes, competitors' activities as well as development of new
product range, packaging, cross selling of existing products into the market;


5


• Conduct business evaluation to assess new business potentials as well as appraise existing
corporate tie-ups;

• Executed business proposal in securing new corporate business that fits the Trustee business
strategy and commensurate with the Bank quality standard;

Accomplishment:
• Formed strategic business alliances to cross sell each others' product with the like of Pilgrim's
Fund Body, Banks and Insurance Companies with a targeted RM10 million in each initial
turnover tie-up;


• Implement trust structure to be more market and customer oriented, including compliant with the respective authorities especially on submission of forms and documentation

• Prepare input and ideas for new organization strategic business plan and obtained approval from the board of directors on the new direction and implementation plan;


• Conduct business evaluation to assess new business potentials as well as appraise existing
corporate tie-ups;


• Execute road shows, colloquium, seminars, expos and exhibitions around the country as well as conducting public speaking, training of the Bank sales forces and agencies;

ACCOMPLISHEMENT
Year Name of Award & Honours Organisation
2001 International Quality Award LIMRA

2000 Wealth Adviser Award CIMB Trustee

2000 International Quality Award LIMRA

AMERICAN INTERNATIONAL ASSURANCE CO LTD (AIA CO LTD & AIG)

Jan 1995 - Dec 1999 FINANCIAL PLANNER & AGENCY LEADER

American International Assurance Bhd (AIA Bhd) is a member of AIA Group, a leading life insurance
organization in Asia with a unique heritage of serving more than 1.5 million policyholders backed by more than 1, 000 staff and over 10, 000 agents.


Duties:
• Call on policyholders to deliver and explain policy, to analyze insurance program and suggest
additions or changes, or to change beneficiaries.

• Calculate premiums and establish payment method.


• Customize insurance programs to suit individual customers, often covering a variety of risks.


• Sell various types of insurance policies to businesses and individuals including automobile,
fire, life, property, medical and travel insurance or specialized policies such as marine, public
liability and group insurance


6


• Interview prospective clients to obtain data about their financial resources and needs, the physical condition of the person or property to be insured, and to discuss any existing
coverage.


• Seek out new clients and develop clientele by networking to find new customers and generate
lists of prospective clients.


• Explain features, advantages and disadvantages of various policies to promote sale of insurance plans.


• Contact underwriter and submit forms to obtain binder coverage.


• Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.


• Confer with clients to obtain and provide information when claims are made on a policy.


• Perform administrative tasks, such as maintaining records and handling policy renewals.


• Select company that offers type of coverage requested by client to underwrite policy.


• Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.


• Develop marketing strategies to compete with other individuals or companies who sell
insurance.


• Attend meetings, seminars and programs to learn about new products and services, learn new
skills, and receive technical assistance in developing new accounts.


• Inspect property, examining its general condition, type of construction, age, and other
characteristics, to decide if it is a good insurance risk.


• Install bookkeeping systems and resolve system problems.


• Plan and oversee incorporation of insurance program into bookkeeping system of company.


• Explain necessary bookkeeping requirements for customer to implement and submission their
receipts and premium statement to the Tax Department
7

1998 Million Dollar Club (MDC) AIA Co Ltd

1997 Million Dollar Club (MDC) AIA Co Ltd

1997 International Quality Award LIMRA

1996 International Quality Award LIMRA

1996 50 Lives Club AIA Co Ltd

1996 Perfect Ten Agent AIA Co Ltd

1996 Activity Club AIA Co Ltd

1996 Champion Club AIA Co Ltd

1995 Producer Club AIA Co Ltd

1995 Rookie Agent Award AIA Co Ltd

The New Straits Times Press (Malaysia) Bhd- (NSTP)

Jan 1993 - Nov 1995 ADVERTISEMENT EXECUTIVE

Established in 1845, The New Straits Times Press (Malaysia) Berhad (affectionately known as
NSTP) is Malaysia's oldest and largest newspaper publisher.
8


Duties: • meeting and liaising with clients to discuss and identify their advertising requirements;

• working with agency colleagues to devise an advertising campaign that meets the client's brief and budget;

• presenting, alongside agency colleagues - particularly the account manager, the campaign
ideas and budget to the client;

• working with the account manager to brief media, creative and research staff, and assisting with the formulation of marketing strategies;

• liaising with, and acting as the link between, the client and advertising agency by maintaining
regular contact with both, ensuring that communication flows effectively;

• negotiating with clients and agency staff about the details of campaigns;

• presenting creative work to clients for approval or modification;

• handling budgets, managing campaign costs and invoicing clients;

• writing client reports;

• monitoring the effectiveness of campaigns;

• undertaking administration tasks;

• arranging and attending meetings;

• making 'pitches', along with other agency staff, to try to win new business for the agency.

1994 Best Practices Award General Electric Seabanc

1994 Winner - Teamwork WORKS! General Electric Seabanc

1993 Winner "Improving Banking Systems" MUI BANK BHD

1993 Overall MUI Group Dinner Winner

Staging "Lost Emperor" MUI BANK BHD

MUI BANK BHD
August 1990 - Dec 1993 Credit and Administration Clerk

Started as Kwong Lee Bank Berhad was acquired by the MUI Group in May 1982 and renamed
Malayan United Bank Berhad on 2 February 1983. Later it was renamed MUI Bank Bhd. In1994, the
Hong Leong Group Malaysia acquired MUI Bank Berhad through Hong Leong Credit Berhad and renamed it as Hong Leong Bank Berhad (HLBB) . HLBB was listed on the Kuala Lumpur Stock
Exchange on 17 October 1994 with its total paid up capital enlarged to RM 470 million.


Duties:
• Complete new loan set-up requests from braches and deferred sheets in a timely and efficient
manner.
• Coordinate and conduct documentation process for all new/existing consumer loan files.
• Follow-up on collateral and insurance issues to ensure: Collateral is encumbered; Bank listed as loss payee; adequate coverage; policy is current.
• Process credit paperwork in a timely and efficient manner - Enter data into CIS system.
• Process and distribute branches loan applications in a timely and efficient manner
• Complete a variety of branches reports that contribute to the smooth operation of the department
• Maintain loan files including: File receipt (from branches); File organization; Preparation of files for officers to follow up;
o Ensure proper organization and compliance with any/all policies or regulation
effecting the file.
• Assist with the audit process of branch/broker loan files to ensure both internal and regulatory
compliance.
• Provide excellent branches support service to any internal/external auditors needing assistance for any/all branches loan issues

• Sort and distribute department mail
• Provide general office support and data entry functions

10


• Other duties as assigned

GENERAL ELECTRIC SEABANC CAPITAL BHD
September 1990 - Dec 1992 Credit and Marketing Officer

A Hire purchase and leasing company jointly owned by General Electric and UMW Group formed in funding Toyota range of Products and Heavy equipments - excavators, tractors, backhoe loader and
specialize industrial machineries.


9


Duties
• Manage, lead and motivate Regional Network of Toyota, Hitachi, Kobelco and JCB Dealers in Klang
Valley in achieving sales target of all range of respective Models

• Counseled and guided new and existing dealers/business partners in managing their business towards optimum sales via improving funding method, customer service, efficient inventory management as
well incentives;

• Assisted Area Manager Central in coordination and preparation of fleet sales. Annual target on dealers, upgrading financing and leasing packages, in addition to sales volume forecast and plan local
promotional activities;

• Prepared Ad-hoc reports for top management action including involvement in "lobbying" for rates
approval for special credit and financing and leasing structures from state treasury;

• Assisted collection department with locating uncollected debts, sites and providing market intelligence in the development and threat by competitors activities

PAN PACIFIC HOTEL KUALA LUMPUR
Feb 1988 - July 1990 1st Commis Cook (Assistant Chef)

Rated 5 star hotel class, Pan Pacific Hotel Kuala Lumpur is located adjacent to Putra World Trade
Centre and opposite The Mall Shopping centre.

Duties: • Assist Chef de Partie and Sous Chef in coordinates and participates in activities of cooks and other kitchen personnel engaged in preparing and cooking foods in hotel, restaurant, cafeteria and catering;

• Estimates food consumption, and requisitions or purchases foodstuffs;

• Receives and examines foodstuffs and supplies to ensure quality and quantity meet established
standards and specifications;

• Selects and develops recipes based on type of food to be prepared and applying personal
knowledge and experience in food preparation;

• Supervises personnel engaged in preparing, cooking, and serving meats, sauces, vegetables,
soups, and other foods;

• Cooks or otherwise prepares food according to standard recipe;

• Cuts, trims, and bones meats and poultry for cooking;

• Portions cooked foods, or gives instructions to workers as to size of portions and methods of garnishing;

• plan menus, purchase foodstuffs, and invent recipes, platters, salad, sauce, dressing and sandwiches