Term & Condition LoanKOPENAS Berhad Management reserves the right to change any terms and conditions without notice. All
applications will be considered based on salary qualifications not exceeding 60% of the salary slip. All applications must
using the KOPENAS Form. The form that has been reviewed complete with the required document information will be processed for
approval of the KOPENAS Berhad Sub-Committee (JKK) meeting every month for approval.