Welcome Quest Sample Scenarios - Versa

Table 1 below is a sample calculation of the **4.0%* p.a. Welcome Quest Reward, applicable to Versa Save (Conventional), also known as “Versa Cash**” only:

No	Scenario Eligibility	Return
*Welcome Quest Reward: 4.0% p.a. nett** Quest Period: 1 August 2025 – 31 January 2026 Minimum Fresh Fund Cash Ins: RM2,000 in Versa Cash Maximum Applicable Fresh Fund Cash Ins: RM50,000 in Versa Cash
1	User successfully created a Versa account on 1 August 2025. User cashed in RM2,000 fresh funds into Versa Cash on the same day (1 August 2025). They maintained the balance of RM2,000 or more in Versa Cash until 31 January 2026.	User is eligible for the 4.0%* p.a. fixed rate on the RM2,000 fresh funds in Versa Cash, calculated on a daily pro-rated basis from 1 August 2025 until 31 January 2026.
2	User successfully created a Versa account on 1 August 2025. User only made their first cash-in of RM2,000 fresh funds into Versa Cash on 1 September 2025. They maintained at least RM2,000 in Versa Cash until 31 January 2026.	User is eligible for the 4.0%* p.a. fixed rate on the RM2,000 fresh funds in Versa Cash, calculated on a daily pro-rated basis from 1 September 2025 until 31 January 2026.
3	User successfully created a Versa account on 1 September 2025 and cashed in RM2,000 into Versa Cash.	User is not eligible for the 4.0%* p.a. fixed rate, as they did not create their Versa account within the specified period.
4	User successfully created a Versa account and cashed in RM70,000 into Versa Cash on 1 August 2025.	User is eligible for the 4.0%* p.a. fixed rate on the first RM50,000 fresh funds in Versa Cash from 1 August 2025 to 31 January 2026. The remaining RM20,000 will earn Versa Cash’s base nett return.
5	User successfully created a Versa account on 5 August 2025 and cashed in RM1,500 into Versa Cash during the same month. However, the user did not top up any additional amount for the rest of the campaign period.	User is not eligible for the 4.0%* p.a. fixed rate, as they did not meet the minimum required fresh funds amount.
6	User successfully created a Versa account on 15 August 2025 and first cashed in RM1,500 into Versa Cash during the same month. They later topped up an additional RM500 on 10 September 2025, bringing their total fresh funds to RM2,000. User maintained a balance of RM2,000 or more in Versa Cash until 31 January 2026.	User is eligible for the 4.0%* p.a. fixed rate on RM2,000, starting from 10 September 2025 (the date the RM2,000 minimum was achieved), calculated on a daily pro-rated basis until 31 January 2026.
7	User successfully created a Versa account in August 2025 and cashed in RM1,800 into Versa Cash upon onboarding. They also set up a Versa Cash Auto-Debit Plan (ADP) for RM500. On 8 September 2025, the auto-debit transaction (ADT) was successfully deducted, increasing their Versa Cash balance to RM2,300. User maintained this balance until 31 January 2026.	User is eligible for the 4.0%* p.a. fixed rate on RM2,300, starting from 8 September 2025, calculated on a daily pro-rated basis until 31 January 2026.
8	User successfully created a Versa account in August 2025 and cashed in RM2,000 into Versa Cash during the same month. They maintained the RM2,000 balance until 1 October 2025, when they cashed out RM1,000, dropping the balance below the required amount. They did not top up again for the remainder of the campaign.	User is not eligible. Users who did not maintain the minimum required cash-in amount on 31 Jan 2025 will not be eligible for any reward.
9	User successfully created a Versa account in August 2025 and cashed in RM2,000 into Versa Cash during the same month. They maintained the RM2,000 balance until 1 October 2025, when they cashed out RM1,000, dropping the balance below the required amount. They topped up another RM1,000 on 1 November 2025 and maintained the balance until 31 January 2026.	User is eligible for the 4.0%* p.a. fixed rate on RM2,000 from the date of cash-in until 30 September 2025. User is not eligible as no reward will be earned from 1 October 2025 until 31 October 2025 due to the drop below RM2,000. User will be eligible again for the 4.0%* p.a. fixed rate from 1 November 2025 to 31 January 2026.
10	User created a Versa account and first cashed in RM2,000 into Versa Cash within the campaign period. However, they cashed out RM500 on 31 January 2026, which caused their Versa Cash balance to drop below RM2,000, the required minimum amount to maintain throughout the campaign.	User is not eligible. Users who cash out on the final day of the campaign and end up with less than the required total cash-ins will not be eligible for any reward.
11	User is an existing Versa user. Baseline in Versa Cash as of 30 June 2025: User created a Versa account and cashed in RM2,000 into Versa Invest funds on 21 August 2025.	User is not eligible. Only cash ins to Versa Cash are eligible for the 4.0%* p.a. return.
12	User created a Versa account and cashed in RM2,000 into PRS funds during the campaign period.	User is not eligible. Only cash ins to Versa Cash are eligible for the 4.0%* p.a. return.
13	User created a Versa account and cashed in RM2,000 into Versa Invest funds on 17 August then switched the RM2,000 into Versa Cash during the same month.	User is not eligible. Only direct fresh cash-ins into Versa Cash are eligible for the 4.0%* p.a. campaign reward.
14	User created a Versa account and cashed in RM2,000 in Versa Cash and another RM500 in Versa Cash-i. On 30 October, user switched RM500 from Versa Cash to Versa Cash-i. User maintained the amount until the end of the campaign period.	User is not eligible for both Versa Cash and Versa Cash-i rewards. For Versa Cash, the switch out of RM500 dropped the user’s balance below the required amount, which made the balance RM1,500. User did not meet the minimum required amount for Versa Cash-i since they only cashed in RM500 and switch-in transactions were not calculated.
15	User created a Versa account and cashed in RM2,000 in Versa Cash and another RM500 in Versa Cash-i. On 30 October, user switched RM500 from Versa Cash to Versa Cash-i. On 15 November, user cashed in RM300 to Versa Cash and maintained the balance until the end of the campaign period.	User is not eligible for both Versa Cash and Versa Cash-i. For Versa Cash, the switch out of RM500 dropped the user’s balance below the required amount. The subsequent cash-in only brought the user’s fresh funds to RM1,800, which was below the required amount. User did not meet the minimum required amount for Versa Cash-i since the user only cashed in RM500 and switch-in transactions were not calculated.

Table 2 below is a sample calculation of the **3.7%* p.a. Welcome Quest Reward, applicable to Versa Save (Shariah Compliant), also known as “Versa Cash-i”** only:

No	Scenario Eligibility	Return
*Welcome Quest Reward: 3.7% p.a. nett** Quest Period: 1 August 2025 – 31 January 2026 Minimum Fresh Fund Cash Ins: RM1,000 in Versa Cash-i Maximum Applicable Fresh Fund Cash Ins: RM50,000 in Versa Cash-i
1	User successfully created a Versa account on 1 August 2025. User cashed in RM1,000 fresh funds into Versa Cash-i on the same day (1 August 2025). They maintained the balance of RM1,000 or more in Versa Cash-i until 31 January 2026.	User is eligible for the 3.7%* p.a. fixed rate on the RM1,000 fresh funds in Versa Cash-i, calculated on a daily pro-rated basis from 1 August 2025 until 31 January 2026.
2	User successfully created a Versa account on 1 August 2025. User only made their first cash-in of RM1,000 fresh funds into Versa Cash-i on 1 September 2025. They maintained at least RM1,000 in Versa Cash-i until 31 January 2026.	User is eligible for the 3.7%* p.a. fixed rate on the RM1,000 fresh funds in Versa Cash-i, calculated on a daily pro-rated basis from 1 September 2025 until 31 January 2026.
3	User successfully created a Versa account on 1 September 2025 and cashed in RM1,000 into Versa Cash-i.	User is not eligible for the 3.7%* p.a. fixed rate, as they did not create their Versa account within the specified period.
4	User successfully created a Versa account and cashed in RM70,000 into Versa Cash-i on 1 August 2025.	User is eligible for the 3.7%* p.a. fixed rate on the first RM50,000 fresh funds in Versa Cash-i from 1 August 2025 to 31 January 2026. The remaining RM20,000 will earn Versa Cash-i’s base nett return.
5	User successfully created a Versa account on 5 August 2025 and cashed in RM500 into Versa Cash-i during the same month. However, the user did not top up any additional amount for the rest of the campaign period.	User is not eligible for the 3.7%* p.a. fixed rate, as they did not meet the minimum required fresh funds amount.
6	User successfully created a Versa account on 15 August 2025 and first cashed in RM500 into Versa Cash-i during the same month. They later topped up an additional RM500 on 10 September 2025, bringing their total fresh funds to RM1,000. User maintained a balance of RM1,000 or more in Versa Cash-i until 31 January 2026.	User is eligible for the 3.7%* p.a. fixed rate on RM1,000, starting from 10 September 2025 (the date the RM1,000 minimum was achieved), calculated on a daily pro-rated basis until 31 January 2026.
7	User successfully created a Versa account in August 2025 and cashed in RM800 into Versa Cash-i upon onboarding. They also set up a Versa Cash-i Auto-Debit Plan (ADP) for RM200. On 8 September 2025, the auto-debit transaction (ADT) was successfully deducted, increasing their Versa Cash-i balance to RM1,000. User maintained this balance until 31 January 2026.	User is eligible for the 3.7%* p.a. fixed rate on RM1,000, starting from 8 September 2025, calculated on a daily pro-rated basis until 31 January 2026.
8	User successfully created a Versa account in August 2025 and cashed in RM1,000 into Versa Cash-i during the same month. They maintained the RM1,000 balance until 1 October 2025, when they cashed out RM400, dropping the balance below the required amount. They did not top up again for the remainder of the campaign.	User is not eligible. Users who did not maintain the minimum required cash-in amount on 31 Jan 2025 will not be eligible for any reward.
9	User successfully created a Versa account in August 2025 and cashed in RM1,000 into Versa Cash-i during the same month. They maintained the RM1,000 balance until 1 October 2025, when they cashed out RM100, dropping the balance below the required amount. They topped up another RM100 on 1 November 2025 and maintained the balance until 31 January 2026.	User is eligible for the 3.7%* p.a. fixed rate on RM1,000 from the date of cash-in until 30 September 2025. User is not eligible as no reward will be earned from 1 October 2025 until 31 October 2025 due to the drop below RM1,000. User will be eligible again for the 3.7%* p.a. fixed rate from 1 November 2025 to 31 January 2026.
10	User created a Versa account and first cashed in RM1,000 into Versa Cash-i within the campaign period. However, they cashed out RM500 on 31 January 2026, which caused their Versa Cash-i balance to drop below RM1,000, the required minimum amount to maintain throughout the campaign.	User is not eligible. Users who cash out on the final day of the campaign and end up with less than the required total cash-ins will not be eligible for any reward.
11	User is an existing Versa user. Baseline in Versa Cash-i as of 30 June 2025: User created a Versa account and cashed in RM1,000 into Versa Invest funds on 21 August 2025.	User is not eligible. Only cash ins to Versa Cash-i are eligible for the 3.7%* p.a. return.
12	User created a Versa account and cashed in RM1,000 into PRS funds during the campaign period.	User is not eligible. Only cash ins to Versa Cash-i are eligible for the 3.7%* p.a. return.
13	User created a Versa account and cashed in RM1,000 into Versa Invest funds on 17 August then switched the RM1,000 into Versa Cash-i during the same month.	User is not eligible. Only direct fresh cash-ins into Versa Cash-i are eligible for the 3.7%* p.a. campaign reward.
14	User created a Versa account and cashed in RM2,000 in Versa Cash and another RM500 in Versa Cash-i. On 30 October, user switched RM500 from Versa Cash to Versa Cash-i. User maintained the amount until the end of the campaign period.	User is not eligible for both Versa Cash and Versa Cash-i rewards. For Versa Cash, the switch out of RM500 dropped the user’s balance below the required amount, which made the balance RM1,500. User did not meet the minimum required amount for Versa Cash-i since they only cashed in RM500 and switch-in transactions were not calculated.
15	User created a Versa account and cashed in RM2,000 in Versa Cash and another RM500 in Versa Cash-i. On 30 October, user switched RM500 from Versa Cash to Versa Cash-i. On 15 November, user cashed in RM300 to Versa Cash and maintained the balance until the end of the campaign period.	User is not eligible for both Versa Cash and Versa Cash-i. For Versa Cash, the switch out of RM500 dropped the user’s balance below the required amount. The subsequent cash-in only brought the user’s fresh funds to RM1,800, which was below the required amount. User did not meet the minimum required amount for Versa Cash-i since the user only cashed in RM500 and switch-in transactions were not calculated.