Disclaimer:

Information contained in this IPO Centre is intended solely for your personal reference and is not intended to form the basis of any investment decision or any decision to purchase any securities or any decision to participate in the process. It does not constitute an offer or an invitation or solicitation or advice of an offer to subscribe or to purchase any securities. Such information is subject to change from time to time without notice and it may not contain all material information concerning Revenue Group Berhad. The summary information in this IPO Centre was extracted from Revenue Group Berhad's Prospectus dated 11 June 2018. You are advised to read Revenue Group Berhad's Prospectus dated 11 June 2018 for the full information. Though due care was exercised in extracting information from the Prospectus, the information in the Prospectus shall prevail should there be any discrepancy in information between this section and the Prospectus.

All references to "RGB" or “our Company" are to Revenue Group Berhad (Company No.: 1248321-D), references to "our Group" are to our Company and our Subsidiaries taken as a whole, and references to "we", "us", "our" and "ourselves" are to our Company or our Group or any member of our Group, as the context requires.

Abbreviations

The following abbreviations are used in this section:

AmBank AmBank (M) Berhad (8515-D)
Application The application for our IPO Shares by way of Application Form, Electronic Share Application or Internet Share Application
ATM(s) Automated Teller Machine(s)
BNM Bank Negara Malaysia
Company A PRC's leading mobile and online payment solution company
Diners Club Diners Club International Ltd., a direct banking and payment services company based in USA
ICT Information and communications technology
IMR Report Independent Research Report titled "Strategic Analysis of the Electronic Payments Industry"
Initial Public Offering or IPO Our initial public offering comprising our Public Issue and Offer for Sale
IPO Price Our issue/offer price of RM0.37 per Share pursuant to our Public Issue and Offer for Sale
IPO Share(s) The Issue Share(s) and Offer Share(s), collectively
Issue Share(s) 55,712,000 new Share(s) to be issued pursuant to our Public Issue
IT Information technology
JCB JCB International Credit Card Co., Ltd, a credit card company based in Japan
LPD 11 May 2018, being the latest practicable date for ascertaining certain information contained in our Prospectus
Listing Listing of and quotation for our entire enlarged share capital of RM37,327,040 comprising 222,848,000 Shares on the ACE Market
MasterCard MasterCard Worldwide, a multinational financial services corporation based in USA
Malaysian Public Malaysian citizens and companies, co-operatives, societies and institutions incorporated or organised under the laws of Malaysia
MSC Multimedia Super Corridor. The MSC status is a recognition by the Government of Malaysia through the Malaysia Digital Economy Corporation Sdn Bhd for ICT and ICT-facilitated businesses that develop or use multimedia technologies to produce and enhance their products, services as well as process development and it is awarded to both local and foreign companies
MyDebit MyDebit are EMV chip-based ATM cards issued by Malaysian banks, which payment system enables the ATM card to be used for payment to Physical Store Merchants at any EDC terminal. The MyDebit payment system is managed by PayNet
NETS Network for Electronic Transfer (Singapore) Pte Ltd, a retail payments company in Singapore which operates Singapore's national debit scheme, similar to Malaysia's MyDebit payment scheme
Offer for Sale The offer for sale by our Selling Shareholders of 16,713,600 Offer Shares at our IPO Price
Offer Shares(s) 16,713,600 existing Share(s) to be offered pursuant to our Offer for Sale
PayNet Payments Network Malaysia Sdn Bhd (836743-D) (previously known as Malaysian Electronic Clearing Corporation Sdn Bhd), is an operator of Malaysia's key payment systems and is jointly owned by BNM and 11 Malaysian financial institutions
Pink Form Allocations The allocation of 11,142,400 Issue Shares to our eligible Directors and employees who have contributed to the success of our Group pursuant to the Public Issue
PRC People's Republic of China
Prospectus Our prospectus dated 11 June 2018 in relation to Our IPO
Public Issue The public issue of 55,712,000 Issue Shares at our IPO Price
R&D Research and development
Revenue Techpark Revenue Techpark Sdn Bhd (702143-H)
RGB or Company Revenue Group Berhad (1248321-D)
RGB Group or Group RGB and its subsidiaries, collectively
Share(s) or RGB Share(s) Ordinary share(s) in RGB
UnionPay UnionPay International Co Ltd, a Chinese financial services corporation based in PRC
Visa Visa Inc., a multinational financial services corporation based in USA
RM and sen Ringgit Malaysia and sen respectively
Glossary of Technical Terms and Acronyms
Acquirer An Acquirer is a member of a Card Scheme, and is responsible for receiving the payment transaction details from the Merchant or Third Party Acquirer, and passing these via the Card Scheme to the Issuer for authorisation and completing the processing of the transaction. Upon settlement of a transaction, the Acquirer will transmit the funds to the Merchant
card Collectively, debit card, credit card or charge card
Cardholder A person holding a debit card, credit card or charge card issued by an Issuer
Card Scheme Organisation which manages and controls the operation and clearing of card payment transactions. Card Schemes are responsible for:
  1. transmitting card transaction details from the Acquirer to the Issuer; and
  2. remitting payments to the Acquirer which in turns pays the Merchant.
Example of Card Schemes are Visa, MasterCard, MyDebit, NETS, UnionPay, JCB and Diners Club
debit card A card, the use of which enables the transaction amount to be deducted directly from the Cardholder’s current/saving accounts upon authorisation
EDC terminal Electronic Data Capture, a point-of-sale terminal which is an electronic device used to initiate an electronic fund transfer. EDC terminals are installed at Physical Store Merchant outlets, typically at the payment counters:
  1. to verify and authenticate the cards inserted/swiped;
  2. to capture the Cardholders' information stored in the cards;
  3. to capture the transaction amounts entered by the Physical Store Merchant; and
  4. to relay information as set out in (a) to (c) above to the payment networks (comprising the Acquirer, Card Scheme and Issuer) for payments authorisation
encryption Encryption is the process of converting information or data into a code. It is commonly used to protect sensitive information or data to prevent unauthorised access
EMV Europay, MasterCard and Visa, a global standard for cards equipped with computer chips and the technology used to authenticate EMV-chip card transactions
internet banking Also known as online banking, an electronic payment system that enables customers of a bank or non-bank institution to conduct a range of financial transactions through the bank's or non-bank institution’s website
Issuer Financial institution or organisation who is a member of a Card Scheme, and issues payment cards (debit card, credit card or charge card) to their customer or Cardholder. The Issuer is responsible for transactions made on the cards that they have issued, and will be responsible to:
  1. pay to the Acquirer the amount transacted on the card; and
  2. collect debt or debit funds from the relevant Cardholder's account
Merchant(s) Collectively, Physical Store Merchant and Online Store Merchant
PIN

Personal identification number. A PIN is a secret numeric password known only to the user and a system to authenticate the usage of the card for transactions

PINs are typical used for ATM transactions. Another type of PIN is one used in EMV-chip cards where the PIN replaces the Cardholder's signature

Physical Store Merchant Provider of goods and/or services in a physical retail shop, and who enters into a contract with an Acquirer or Third Party Acquirer to accept and/or other electronic payments for the purchase of goods and/or services
Online Store Merchant Provider of goods and/or services on the internet, and who enters into a contract with an Acquirer or Third Party Acquirer to accept card and/or other electronic payments for the purchase of goods and/or services
QR Payment Quick Response payment, a form of cashless payment made via QR Code
Third Party Acquirer A Third Party Acquirer is contracted by an Acquirer and is responsible for recruiting Merchants, receiving the payment transaction details from the Merchant, and passing these to the Acquirer. Upon settlement of a transaction, the Third Party Acquirer will transmit the funds to the Merchant