Serial No. 001 STRICTLY PRIVATE AND CONFIDENTIAL AMBANK (M) BERHAD (Company No. 8515-D) INFORMATION MEMORANDUM IN RELATION TO THE PROPOSED ISSUE OF, OFFER FOR SUBSCRIPTION OR PURCHASE OF, OR INVITATION TO SUBSCRIBE FOR OR PURCHASE OF UP TO RM 4.0 BILLION IN NOMINAL VALUE OF TIER 2 SUBORDINATED NOTES (“SUBORDINATED NOTES”) UNDER A SUBORDINATED NOTES PROGRAMME Principal Adviser/Lead Arranger/Lead Manager (Company No. 23742-V) This Information Memorandum is dated 16 December 2013 RESPONSIBILITY STATEMENT The directors of AmBank (M) Berhad (“AmBank”) have given approval for the issuance of an Information Memorandum (“IM”) relating to the issuance of tier 2 subordinated notes (the “Subordinated Notes”) pursuant to a Subordinated Notes programme of up to RM4.0 billion in nominal value (“Subordinated Notes Programme”). AmBank accepts full responsibility for the accuracy of the information contained in this IM. AmBank confirms that, to the best of its knowledge and belief: (a) this IM contains all information with respect to AmBank that is material in the context of the purpose for which this IM is issued; (b) the information and data contained in this IM are true, accurate and not misleading in all material respects; and (c) there is no material omission of any information and data from this IM. Enquiries have been made by AmBank to ascertain that all material facts have been disclosed and to verify the accuracy of all information and statements in this IM. ACKNOWLEDGEMENT AmBank hereby acknowledges that it has authorised AmInvestment Bank Berhad (“AmInvestment Bank” or “Lead Arranger/Lead Manager”) to circulate or distribute this IM on its behalf in respect of the issuance of Subordinated Notes pursuant to a Subordinated Notes Programme to prospective investors and that no further evidence of authorisation is required. IMPORTANT NOTICE AmBank has prepared this IM, which is being provided on a confidential basis to potential investors in relation to the issuance of Subordinated Notes pursuant to the Subordinated Notes Programme. The Securities Commission (“SC”) has approved and authorised the issuance of the Subordinated Notes vide its letter dated 4 December 2013 pursuant to Sections 214 and 256C of the Capital Markets and Services Act, 2007, as amended from time to time (“CMSA”). Such approval and authorisation shall not be taken to indicate that the SC recommends the subscription or purchase of the Subordinated Notes. The Subordinated Notes may not be issued, offered, sold, transferred or otherwise disposed of, directly or indirectly, nor may any document or other material in connection therewith including this IM be distributed, in Malaysia other than to persons, at the point of issuance of the Subordinated Notes, who fall within one or more of the categories of persons to whom an offer or invitation to subscribe for or purchase the Subordinated Notes would constitute an excluded issue, excluded offer or excluded invitation pursuant to Schedule 6 (or Section 229(1)(b)) or Schedule 7 (or Section 230(1)(b)) read together with Schedule 9 (or Section 257(3)) of the CMSA as amended from time to time; and after issuance of the Subordinated Notes, who fall within one or more of the categories of persons to whom an offer or invitation to subscribe for or purchase the Subordinated Notes would constitute an excluded offer or excluded invitation pursuant to Schedule 6 (or Section 229(1)(b)) read together with Schedule 9 (or Section 257(3)) of the CMSA as amended from time to time. It is a condition precedent of the Subordinated Notes that Issuer shall have obtained a minimum long- term rating of AA3 for the Subordinated Notes from RAM Rating Services Berhad for the first issuance. A rating is not a recommendation to buy, sell or hold securities and may be subject to revision, suspension or withdrawal at any time by the rating agency. This IM may not be, in whole or in part, reproduced or used for any other purpose, or shown, given, copied to or filed with any other person including, without limitation, any government or regulatory authority except with the prior written consent of the Issuer or as required under Malaysian laws, regulations or guidelines. - ii - The persons preparing this IM have made all enquiries as were reasonable in the circumstances and after making such enquiries, have reasonable grounds to believe and do believe up to the time of the issue of this IM that the information herein is true and not misleading and there is no material omission herein. This IM or any document delivered under or in relation to the Subordinated Notes Programme is not, and should not be construed as a recommendation by the Issuer, Lead Arranger/Lead Manager and/or any other party to subscribe for or purchase the Subordinated Notes. Further, the information contained herein should not be read as a representation or warranty, express or implied, as to the merits of the Subordinated Notes or the purchase thereof. This IM is not a substitute for, and should not be regarded as, an independent evaluation and analysis. Each recipient should perform and is deemed to have made his/her/its own independent investigation and analysis of the Issuer, the Subordinated Notes and all other relevant matters, including but not limited to the information and data set out in this IM, and each recipient should consult its own professional advisers. No representation, warranty or undertaking, express or implied, is given or assumed by the Lead Arranger/Lead Manager as to the authenticity, origin, validity, accuracy or completeness of the information and data set out in this IM or that such information or data will remain unchanged in any respect after the relevant date shown in this IM. The Lead Arranger/Lead Manager has not accepted and will not accept any responsibility for the information and data contained in this IM or otherwise in relation to the Subordinated Notes Programme and shall not be liable for any consequences of reliance on any of the information or data in this IM except as provided by Malaysian laws. This IM has not been and will not be made to comply with the laws of any jurisdiction outside Malaysia (“Foreign Jurisdiction”), and has not been and will not be lodged, registered or approved pursuant to or under any legislation of (or with or by any regulatory authority or other relevant body of) any Foreign Jurisdiction and it does not constitute an offer of, or an invitation to subscribe for or purchase the Subordinated Notes or any other securities of any kind by any party in any Foreign Jurisdiction. This IM is not and is not intended to be a prospectus. By accepting delivery of this IM, each recipient agrees to the terms upon which this IM is provided to such recipient as set out in this IM, and further agrees and confirms that: (a) it will keep confidential all information and data contained in this IM; (b) it is lawful for the recipient to receive this IM and to subscribe for, purchase or in any other way to receive the Subordinated Notes under all jurisdictions to which the recipient is subject; (c) it will comply with all the applicable laws in connection with such subscription, purchase or acceptance of the Subordinated Notes; (d) the Issuer, the Lead Arranger/Lead Manager and all other parties involved in the preparation of this IM and their respective directors, officers, employees, agents and professional advisers are not and will not be in breach of the laws of any jurisdiction to which the recipient is subject as a result of the subscription, purchase or acceptance of the Subordinated Notes by the recipient and they shall not have any responsibility or liability in the event that such subscription or acceptance of the Subordinated Notes is or shall become unlawful, unenforceable, voidable or void; (e) it is aware that the Subordinated Notes can only be transferred or otherwise disposed of in accordance with the relevant selling restrictions and all applicable laws; (f) it has sufficient knowledge and experience in financial and business matters to be capable of evaluating the merits and risks of subscribing for or purchasing the Subordinated Notes and is able and prepared to bear the economic and financial risks of investing in or holding the Subordinated Notes; and (g) it, at the point of issuance of the Subordinated Notes, falls within one or more of the categories of persons to whom an offer or invitation to subscribe for or purchase the Subordinated Notes would constitute an excluded issue, excluded offer or excluded invitation pursuant to Schedule 6 (or Section 229(1)(b)) or Schedule 7 (or Section 230(1)(b)) read together with Schedule 9 (or Section 257(3)) of the CMSA (as amended from time to time), and after the point of issuance of the Subordinated Notes, falls within one or more of the categories of persons to whom an offer or invitation to subscribe for or purchase the Subordinated Notes would constitute an excluded offer or excluded invitation pursuant to Schedule 6 (or Section 229(1)(b)) read together with Schedule 9 (or Section 257(3)) of the CMSA (as amended from time to time). For the avoidance of doubt, this IM shall not constitute an offer or invitation to subscribe or purchase the Subordinated Notes in relation to any recipient who does not fall within item (g) above. - iii - Each recipient is solely responsible for seeking all appropriate expert advice as to the laws of all jurisdictions to which it is subject at its own cost and expense. Neither the delivery of this IM nor the offering, sale or delivery of any Subordinated Notes shall in any circumstance imply that the information contained herein concerning the Issuer is correct at any time subsequent to the date hereof, or any other date(s) indicated herein, or that any other information supplied in connection with the Subordinated Notes is correct as of any time subsequent to the date indicated in the document containing the same.