{"id":3708,"date":"2025-03-04T03:32:30","date_gmt":"2025-03-04T03:32:30","guid":{"rendered":"https:\/\/fmos.org.my\/?page_id=3708"},"modified":"2025-07-15T09:51:22","modified_gmt":"2025-07-15T01:51:22","slug":"other-resources","status":"publish","type":"page","link":"https:\/\/www.fmos.org.my\/en\/other-resources\/","title":{"rendered":"Other Resources"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3708\" class=\"elementor elementor-3708\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75c0a06b e-flex e-con-boxed e-con e-parent\" data-id=\"75c0a06b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-45f7bc95 e-flex e-con-boxed e-con e-child\" data-id=\"45f7bc95\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8da4c8d elementor-icon-list--layout-inline elementor-align-left elementor-widget__width-inherit elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8da4c8d\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Resources<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-minus\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Other Resources<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fca29a4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fca29a4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-23d275f\" data-id=\"23d275f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9510729 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9510729\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-549d391\" data-id=\"549d391\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f3f176a elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"f3f176a\" data-element_type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-background e--animation-fade\">\n\t\t\t\t<ul id=\"menu-1-f3f176a\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-929\"><a href=\"https:\/\/www.fmos.org.my\/en\/legislation\/\" class=\"elementor-item\">Legislation<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-5453\"><a href=\"https:\/\/www.fmos.org.my\/en\/case-studies\/\" class=\"elementor-item\">Case Studies<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4666\"><a href=\"https:\/\/www.fmos.org.my\/en\/scams-investor-alerts\/\" class=\"elementor-item\">Scams &#038; Investor Alerts<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-3711\"><a href=\"https:\/\/www.fmos.org.my\/en\/other-resources\/\" class=\"elementor-item\">Other Resources<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg><svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close e-font-icon-svg e-eicon-close\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-f3f176a\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-929\"><a href=\"https:\/\/www.fmos.org.my\/en\/legislation\/\" class=\"elementor-item\" tabindex=\"-1\">Legislation<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-5453\"><a href=\"https:\/\/www.fmos.org.my\/en\/case-studies\/\" class=\"elementor-item\" tabindex=\"-1\">Case Studies<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-4666\"><a href=\"https:\/\/www.fmos.org.my\/en\/scams-investor-alerts\/\" class=\"elementor-item\" tabindex=\"-1\">Scams &#038; Investor Alerts<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-3711\"><a href=\"https:\/\/www.fmos.org.my\/en\/other-resources\/\" class=\"elementor-item\" tabindex=\"-1\">Other Resources<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d7fc492\" data-id=\"d7fc492\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f6eab7a e-con-full e-grid e-con e-child\" data-id=\"f6eab7a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-099cb3f elementor-widget__width-inherit jkit-equal-height-disable elementor-widget elementor-widget-jkit_image_box\" data-id=\"099cb3f\" data-element_type=\"widget\" data-widget_type=\"jkit_image_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-image-box style-default elementor-animation- jeg_module___69e448b97dc40\" ><a href=\"https:\/\/fmos.org.my\/ofs-resources\/\"><div class=\"image-box-header elementor-animation-\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/04\/logo-02.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/04\/logo-02.jpg 1920w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/04\/logo-02-300x169.jpg 300w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/04\/logo-02-1024x576.jpg 1024w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/04\/logo-02-768x432.jpg 768w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/04\/logo-02-1536x864.jpg 1536w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/04\/logo-02-18x10.jpg 18w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/div><\/a><div class=\"image-box-body\">\n            <div class=\"body-inner\"><h2 class=\"body-title icon-position-before\">OFS Resources<\/h2>\n                <div class=\"body-description\"><\/div>\n                <div class=\"body-button\"><\/div>\n                \n            <\/div>\n        <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4981ab elementor-widget__width-inherit jkit-equal-height-disable elementor-widget elementor-widget-jkit_image_box\" data-id=\"a4981ab\" data-element_type=\"widget\" data-widget_type=\"jkit_image_box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-image-box style-default elementor-animation- jeg_module__1_69e448b97eeb8\" ><a href=\"https:\/\/fmos.org.my\/sidrec-resources\/\"><div class=\"image-box-header elementor-animation-\"><img decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/04\/logo-01.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/04\/logo-01.jpg 1920w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/04\/logo-01-300x169.jpg 300w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/04\/logo-01-1024x576.jpg 1024w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/04\/logo-01-768x432.jpg 768w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/04\/logo-01-1536x864.jpg 1536w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/04\/logo-01-18x10.jpg 18w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/div><\/a><div class=\"image-box-body\">\n            <div class=\"body-inner\"><h2 class=\"body-title icon-position-before\">SIDREC Resources<\/h2>\n                <div class=\"body-description\"><\/div>\n                <div class=\"body-button\"><\/div>\n                \n            <\/div>\n        <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e522678 e-con-full elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"e522678\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bce90b elementor-widget elementor-widget-heading\" data-id=\"7bce90b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Video<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3a8b49 elementor-widget elementor-widget-elementskit-accordion\" data-id=\"d3a8b49\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3e1f7f0067\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-d3a8b49\">\n                        <a href=\"#collapse-578f3c469e3e1f7f0067\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3e1f7f0067\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3e1f7f0067\">\n                            \n                            <span class=\"ekit-accordion-title\">Corporate Video<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3e1f7f0067\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-d3a8b49\" data-parent=\"#accordion-69e3e1f7f0067\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.youtube.com\/watch?v=GNPoR6RX_O4\" target=\"_blank\" rel=\"noopener\">Corporate Video<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-d3a8b49\">\n                        <a href=\"#collapse-487e8f169e3e1f7f0067\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-487e8f169e3e1f7f0067\" aria-expanded=\"true\" aria-controls=\"Collapse-487e8f169e3e1f7f0067\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Animated Video<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-487e8f169e3e1f7f0067\" class=\" show collapse\" aria-labelledby=\"primaryHeading-1-d3a8b49\" data-parent=\"#accordion-69e3e1f7f0067\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>OFS Animated Video (<a href=\"https:\/\/youtu.be\/lRlkQtn5BSw\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/youtu.be\/BhPWIEQJt10\" target=\"_blank\" rel=\"noopener\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/youtu.be\/AHVe6KEDKGI\" target=\"_blank\" rel=\"noopener\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/youtu.be\/27zSe-53_gg\" target=\"_blank\" rel=\"noopener\">Tamil<\/a>)<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e87af3e elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"e87af3e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f4af0be e-flex e-con-boxed e-con e-child\" data-id=\"f4af0be\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa9ff9c elementor-widget elementor-widget-heading\" data-id=\"fa9ff9c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pamphlet<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd1a0be elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"bd1a0be\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3e1f7f19f4\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-bd1a0be\">\n                        <a href=\"#collapse-578f3c469e3e1f7f19f4\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3e1f7f19f4\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3e1f7f19f4\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Pamphlet<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3e1f7f19f4\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-bd1a0be\" data-parent=\"#accordion-69e3e1f7f19f4\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>OFS Pamphlet (<a href=\"https:\/\/www.fmos.org.my\/file\/files\/Brochure%20PDF%20English.pdf\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.fmos.org.my\/file\/files\/Brochure%20PDF%20BAHASA%20MELAYU.pdf\" target=\"_blank\" rel=\"noopener\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_brochure_mandarin.pdf\" target=\"_blank\" rel=\"noopener\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_brochure_Tamil.pdf\" target=\"_blank\" rel=\"noopener\">Tamil<\/a>)<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"OFS Pamphlet\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>OFS Pamphlet (<a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Brochure%20PDF%20English.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">English<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Brochure%20PDF%20BAHASA%20MELAYU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Malay<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_brochure_mandarin.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Mandarin<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_brochure_Tamil.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Tamil<\/a>)<\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dca6fe4 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"dca6fe4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-16ecc9c e-flex e-con-boxed e-con e-child\" data-id=\"16ecc9c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5130e73 elementor-widget elementor-widget-heading\" data-id=\"5130e73\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OFS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fedc837 elementor-widget elementor-widget-heading\" data-id=\"fedc837\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Annual Reports - OFS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-911463a elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"911463a\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3e1f7f3732\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-911463a\">\n                        <a href=\"#collapse-578f3c469e3e1f7f3732\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3e1f7f3732\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3e1f7f3732\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2023<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3e1f7f3732\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-911463a\" data-parent=\"#accordion-69e3e1f7f3732\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2023_AnnualReport.pdf\">OFS Annual Report 2023<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-911463a\">\n                        <a href=\"#collapse-a1d62e669e3e1f7f3732\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a1d62e669e3e1f7f3732\" aria-expanded=\"false\" aria-controls=\"Collapse-a1d62e669e3e1f7f3732\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2022<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a1d62e669e3e1f7f3732\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-911463a\" data-parent=\"#accordion-69e3e1f7f3732\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2022_AnnualReport.pdf\">OFS Annual Report 2022<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-911463a\">\n                        <a href=\"#collapse-87e3c5969e3e1f7f3732\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-87e3c5969e3e1f7f3732\" aria-expanded=\"false\" aria-controls=\"Collapse-87e3c5969e3e1f7f3732\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2021<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-87e3c5969e3e1f7f3732\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-911463a\" data-parent=\"#accordion-69e3e1f7f3732\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2021_AnnualReport.pdf\">OFS Annual Report 2021<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-911463a\">\n                        <a href=\"#collapse-a4c8af869e3e1f7f3732\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a4c8af869e3e1f7f3732\" aria-expanded=\"false\" aria-controls=\"Collapse-a4c8af869e3e1f7f3732\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2020<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a4c8af869e3e1f7f3732\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-911463a\" data-parent=\"#accordion-69e3e1f7f3732\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2020_AnnualReport_.pdf\">OFS Annual Report 2020<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-911463a\">\n                        <a href=\"#collapse-220e54069e3e1f7f3732\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-220e54069e3e1f7f3732\" aria-expanded=\"false\" aria-controls=\"Collapse-220e54069e3e1f7f3732\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2019<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-220e54069e3e1f7f3732\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-911463a\" data-parent=\"#accordion-69e3e1f7f3732\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2019_AnnualReport.pdf\">OFS Annual Report 2019<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-911463a\">\n                        <a href=\"#collapse-59cfffb69e3e1f7f3732\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-59cfffb69e3e1f7f3732\" aria-expanded=\"false\" aria-controls=\"Collapse-59cfffb69e3e1f7f3732\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2018<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-59cfffb69e3e1f7f3732\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-911463a\" data-parent=\"#accordion-69e3e1f7f3732\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2018_AnnualReport.pdf\">OFS Annual Report 2018<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-911463a\">\n                        <a href=\"#collapse-818e53f69e3e1f7f3732\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-818e53f69e3e1f7f3732\" aria-expanded=\"false\" aria-controls=\"Collapse-818e53f69e3e1f7f3732\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2017<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-818e53f69e3e1f7f3732\" class=\" collapse\" aria-labelledby=\"primaryHeading-6-911463a\" data-parent=\"#accordion-69e3e1f7f3732\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS-AR2017-lowres.pdf\">OFS Annual Report 2017<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-911463a\">\n                        <a href=\"#collapse-f74c5a569e3e1f7f3732\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-f74c5a569e3e1f7f3732\" aria-expanded=\"false\" aria-controls=\"Collapse-f74c5a569e3e1f7f3732\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2016<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-f74c5a569e3e1f7f3732\" class=\" collapse\" aria-labelledby=\"primaryHeading-7-911463a\" data-parent=\"#accordion-69e3e1f7f3732\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_AR2016.pdf\">OFS Annual Report 2016<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-911463a\">\n                        <a href=\"#collapse-b4eb9b869e3e1f7f3732\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-b4eb9b869e3e1f7f3732\" aria-expanded=\"false\" aria-controls=\"Collapse-b4eb9b869e3e1f7f3732\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2015<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-b4eb9b869e3e1f7f3732\" class=\" collapse\" aria-labelledby=\"primaryHeading-8-911463a\" data-parent=\"#accordion-69e3e1f7f3732\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/FMB-AR2015-Final.pdf\">OFS Annual Report 2015<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-911463a\">\n                        <a href=\"#collapse-caf5e9169e3e1f7f3732\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-caf5e9169e3e1f7f3732\" aria-expanded=\"false\" aria-controls=\"Collapse-caf5e9169e3e1f7f3732\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2014<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-caf5e9169e3e1f7f3732\" class=\" collapse\" aria-labelledby=\"primaryHeading-9-911463a\" data-parent=\"#accordion-69e3e1f7f3732\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/FMB-AR2014-FINAL.pdf\">OFS Annual Report 2014<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-10-911463a\">\n                        <a href=\"#collapse-75023a169e3e1f7f3732\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-75023a169e3e1f7f3732\" aria-expanded=\"false\" aria-controls=\"Collapse-75023a169e3e1f7f3732\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2013<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-75023a169e3e1f7f3732\" class=\" collapse\" aria-labelledby=\"primaryHeading-10-911463a\" data-parent=\"#accordion-69e3e1f7f3732\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/annual_rep_2013.pdf\">OFS Annual Report 2013<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-11-911463a\">\n                        <a href=\"#collapse-69600da69e3e1f7f3732\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-69600da69e3e1f7f3732\" aria-expanded=\"false\" aria-controls=\"Collapse-69600da69e3e1f7f3732\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2012<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-69600da69e3e1f7f3732\" class=\" collapse\" aria-labelledby=\"primaryHeading-11-911463a\" data-parent=\"#accordion-69e3e1f7f3732\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/Annual%20Report%202012.pdf\">OFS Annual Report 2012<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-12-911463a\">\n                        <a href=\"#collapse-7dcd2ac69e3e1f7f3732\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7dcd2ac69e3e1f7f3732\" aria-expanded=\"false\" aria-controls=\"Collapse-7dcd2ac69e3e1f7f3732\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2011<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7dcd2ac69e3e1f7f3732\" class=\" collapse\" aria-labelledby=\"primaryHeading-12-911463a\" data-parent=\"#accordion-69e3e1f7f3732\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/Annual%20Report%202011.pdf\">OFS Annual Report 2011<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2023\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2023_AnnualReport.pdf\\\">OFS Annual Report 2023<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2022\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2022_AnnualReport.pdf\\\">OFS Annual Report 2022<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2021\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2021_AnnualReport.pdf\\\">OFS Annual Report 2021<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2020\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2020_AnnualReport_.pdf\\\">OFS Annual Report 2020<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2019\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2019_AnnualReport.pdf\\\">OFS Annual Report 2019<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2018\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2018_AnnualReport.pdf\\\">OFS Annual Report 2018<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2017\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS-AR2017-lowres.pdf\\\">OFS Annual Report 2017<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2016\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_AR2016.pdf\\\">OFS Annual Report 2016<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2015\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/FMB-AR2015-Final.pdf\\\">OFS Annual Report 2015<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2014\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/FMB-AR2014-FINAL.pdf\\\">OFS Annual Report 2014<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2013\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/annual_rep_2013.pdf\\\">OFS Annual Report 2013<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2012\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Annual%20Report%202012.pdf\\\">OFS Annual Report 2012<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2011\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Annual%20Report%202011.pdf\\\">OFS Annual Report 2011<\/a><\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c383578 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"c383578\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a933410 e-flex e-con-boxed e-con e-child\" data-id=\"a933410\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef01250 elementor-widget elementor-widget-heading\" data-id=\"ef01250\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Case Studies<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a13829c elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"a13829c\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3e1f801e96\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-a13829c\">\n                        <a href=\"#collapse-578f3c469e3e1f801e96\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3e1f801e96\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3e1f801e96\">\n                            \n                            <span class=\"ekit-accordion-title\">Banking, Islamic Banking and Payment Systems<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3e1f801e96\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-a13829c\" data-parent=\"#accordion-69e3e1f801e96\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><strong>Credit Card<\/strong><\/p><ol><li><span style=\"text-decoration: underline\"><strong>Online transaction:<\/strong><\/span><br \/><a title=\"Dispute Relating to Online Transaction\" href=\"https:\/\/www.fmos.org.my\/en\/No_OTP_or_SMS_alert?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Dispute on a transaction made online\" href=\"https:\/\/www.fmos.org.my\/en\/Online_Scam?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Case 2<\/a>\u00a0|\u00a0<a title=\"Unauthorised Online Transaction\" href=\"https:\/\/www.fmos.org.my\/en\/Unauthorised_Online_Transaction?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Case 3<\/a>\u00a0|\u00a0<a title=\"Unauthorised Online Transaction - Delay in Submitting Dispute Form\" href=\"https:\/\/www.fmos.org.my\/en\/Unauthorised_Online_Transaction_-_Delay_in_Submitting_Dispute_Form?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Case 4<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Cashback: <\/strong><\/span><a title=\"Cashback Promotion\" href=\"https:\/\/www.fmos.org.my\/en\/Cashback_Promotion?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Cashback Promotion<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Unauthorized Retail Transaction: <\/strong><\/span><a title=\"Stolen Credit Card - Unauthorized Retail Transaction\" href=\"https:\/\/www.fmos.org.my\/en\/Stolen_Credit_Card?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Stolen Credit Card<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Unauthorized Retail Transaction: <\/strong><\/span><a title=\"Compromised Credit Card (Unauthorised Retail Transaction)\" href=\"https:\/\/www.fmos.org.my\/en\/Compromised_Credit_Card?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Compromised Credit Card<\/a><\/li><li><strong><span style=\"text-decoration: underline\"><a title=\"Charges Debited into the Credit Card Account\" href=\"https:\/\/www.fmos.org.my\/en\/Charges_Debited_into_the_Credit_Card_Account?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Charges Debited into the Credit Card Account<\/a><\/span><\/strong><\/li><\/ol><p><strong>Operational Issues<\/strong><\/p><ol><li><a title=\"Alteration and payment of post dated cheque\" href=\"https:\/\/www.fmos.org.my\/en\/Alteration_and_payment_of_post_dated_cheque?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Alteration and payment of post-dated cheque<\/a><\/li><li><a title=\"No Pro-Rated Interest Payment for Premature Withdrawal of Fixed Deposit\" href=\"https:\/\/www.fmos.org.my\/en\/No_Pro-Rated_Interest_Payment_for_Premature_Withdrawal_of_Fixed_Deposit?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Failure to Provide Proper Notification to Customer<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Mis Selling:<\/strong><\/span>\u00a0<a title=\"Mis Selling Case 1\" href=\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Mis Selling Case 2\" href=\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Case 2<\/a>\u00a0|\u00a0<a title=\"Mis Selling Case 3\" href=\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case3?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Case 3 <\/a>|\u00a0<a title=\"Mis Selling Case 4\" href=\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case4?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Case 4<\/a>\u00a0<img decoding=\"async\" src=\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\" \/><\/li><\/ol><p><strong>Contractual Issues<\/strong><\/p><ol><li><a title=\"Reinstatement of the Interest Rate was not carried out by the bank\" href=\"https:\/\/www.fmos.org.my\/en\/Reinstatement_of_the_Interest_Rate?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes24]\">Reinstatement of the Interest Rate<\/a><\/li><\/ol><p><strong>Cash Deposit Machine(CDM)<\/strong><\/p><ol><li><a title=\"Dispute on non-return of cash by the CDM\" href=\"https:\/\/www.fmos.org.my\/en\/non_return_of_cash?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes25]\">Non-return of cash<\/a><\/li><\/ol><p><strong>Internet Banking<\/strong><\/p><ol><li><a title=\"SMS\/Phone Scam\" href=\"https:\/\/www.fmos.org.my\/en\/SMS_Phone_Scam?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes26]\">SMS\/Phone Scam<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Fund Transfer Scams:<\/strong><\/span>\u00a0<a title=\"Fund Transfer Scams - Case 1\" href=\"https:\/\/www.fmos.org.my\/en\/Fund_Transfer_Scams_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes26]\">Case 1<\/a>\u00a0<img decoding=\"async\" src=\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\" \/><\/li><\/ol><p><strong>Automated Teller Machine (ATM)<\/strong><\/p><ol><li><a title=\"Case 1 - Non Dispensation of Cash - Customer Left the ATM Without Waiting for the Cash to be Dispensed\" href=\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Non_Dispensation_of_Cash_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes27]\">Case 1 - Non Dispensation of Cash\u00a0<\/a><\/li><li><a title=\"Case 2 - Non Dispensation of Cash - CCTV Not Strategically Positioned \" href=\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Non_Dispensation_of_Cash_Case_2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes27]\">Case 2 - Non Dispensation of Cash<\/a><\/li><li><a title=\"Case 3 - ATM - Alleged Unauthorised withdrawal - Card \/ PIN Compromised\" href=\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Alleged_Unauthorised_withdrawal?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes27]\">Case 3 - Alleged Unauthorised Withdrawal<\/a><\/li><\/ol><p><strong>Chargeback<\/strong><\/p><ol><li><span style=\"text-decoration: underline\"><a title=\"Chargeback against a transaction made at the merchant\" href=\"https:\/\/www.fmos.org.my\/en\/Refund_of_transaction?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes28]\">Refund of transaction<\/a><\/span><\/li><\/ol>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-a13829c\">\n                        <a href=\"#collapse-a1d62e669e3e1f801e96\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a1d62e669e3e1f801e96\" aria-expanded=\"false\" aria-controls=\"Collapse-a1d62e669e3e1f801e96\">\n                            \n                            <span class=\"ekit-accordion-title\">Insurance and Takaful<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a1d62e669e3e1f801e96\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-a13829c\" data-parent=\"#accordion-69e3e1f801e96\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><strong>Motor<\/strong><\/p><ol><li><span style=\"text-decoration: underline\"><strong>Delay in notifying the Insurer:<\/strong><\/span><a title=\"Takaful Motor - Late Notification\" href=\"https:\/\/www.fmos.org.my\/en\/Stolen_Vehicle_reported_after_4_weeks?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Stolen Vehicle reported after 4 weeks<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Delay in Lodging Police Report:<\/strong><\/span><a title=\"Motor - Delay in Lodging Police Report\" href=\"https:\/\/www.fmos.org.my\/en\/Stolen_Vehicle_notified_after_9_days?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Stolen Vehicle notified after 9 days<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause:<\/strong><\/span><a title=\"Takaful Motor \u2013 Exception\" href=\"https:\/\/www.fmos.org.my\/en\/Criminal_Activity?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Criminal Activity<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause : Criminal Breach of Trust (CBT)<\/strong><\/span><br \/><a title=\"Exclusion - Criminal Breach of Trust &amp; Limitation as to use - Vehicle for private use was rented out with consent and lost.\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_Clause_%E2%80%93_Criminal_Breach_of_Trust_and_Limitation_as_to_use?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Takaful Motor - Criminal Breach of Trust\" href=\"https:\/\/www.fmos.org.my\/en\/Takaful_Motor_-_Criminal_Breach_of_Trust?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 2<\/a><\/li><li><a title=\"Motor - Dispute on Application of Average Clause\" href=\"https:\/\/www.fmos.org.my\/en\/Application_of_Average_Clause?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Application of Average Clause<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Failure to take reasonable precaution:<\/strong><\/span><br \/><a title=\"Takaful Motor - Failure to take reasonable precaution\" href=\"https:\/\/www.fmos.org.my\/en\/Unattended_vehicle_with_engine_running?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Motor - Theft of Vehicle\" href=\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_Reasonably_Precaution_Case_2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 2<\/a>\u00a0|\u00a0<a title=\"Key in the ignition was left in the vehicle with the presence of Insured who was asleep\" href=\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_reasonable_precaution_Case_3?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 3<\/a>\u00a0\u00a0 |\u00a0<a title=\"Car Stolen Afer Being Left Unattended With Engine Running\" href=\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_reasonable_precaution_Case_4?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 4<\/a><\/li><li><a title=\"Case 1\" href=\"https:\/\/www.fmos.org.my\/en\/Total_Lost_vs_Insurer_Cost_of_Repair?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Total Loss vs Insurer Cost of Repair<\/a><\/li><li><a title=\"Tempered Chasis Number\" href=\"https:\/\/www.fmos.org.my\/en\/Tampered_Chassis_Number?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\"><strong>Tampered Chassis Number<\/strong><\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Non \u2013disclosure:<\/strong><\/span><a title=\"General Motor Non Disclosure\" href=\"https:\/\/www.fmos.org.my\/en\/Absence_of_specific_questions_in_the_Proposal_Form?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Absence of specific questions in the Proposal Form<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Compensation for Assessed Repair Time (CART):<\/strong><\/span><a title=\"Compensation for Assessed Repair Time\" href=\"https:\/\/www.fmos.org.my\/en\/Compensation_for_Assessed_Repair_Time?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Case 1<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Market Value:<\/strong><\/span><a title=\"Market Value \u2013 Registration Mistake of the Vehicle\u2019s Make and Model.\" href=\"https:\/\/www.fmos.org.my\/en\/Market_Value?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Registration Mistake of the Vehicle\u2019s Make and Model.\u00a0<\/a><img decoding=\"async\" src=\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\" \/><\/li><\/ol><p><strong>Life, Family and General Medical<\/strong><\/p><ol><li><span style=\"text-decoration: underline\"><strong>Non-Disclosure: Medical history not disclosed in Proposal Form<\/strong><\/span><br \/><a title=\"Critical Illness Claim - Non-Disclosure\" href=\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Death Claim - Non-Disclosure\" href=\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a>\u00a0|\u00a0<a title=\"Claim rejected without sufficient evidence - Non-Disclosure\" href=\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_3?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 3<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Deductible:<\/strong><\/span>\u00a0<a title=\"Tuntutan bayaran balik ditolak atas alasan deduktibel\" href=\"https:\/\/www.fmos.org.my\/en\/Deductible_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 1<\/a><\/li><li><strong><span style=\"text-decoration: underline\">Total and Permanent Disability Claim: Definition of TPD not fulfilled<\/span><\/strong><br \/><a title=\"Total and Permanent Disability Claim Case1\" href=\"https:\/\/www.fmos.org.my\/en\/TPD_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Total and Permanent Disability Claim Case2\" href=\"https:\/\/www.fmos.org.my\/en\/TPD_Case_2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a>\u00a0|\u00a0<a title=\"Total and Permanent Disability Claim Case3\" href=\"https:\/\/www.fmos.org.my\/en\/TPD_Case_3?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 3<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Delay in Notifying the Insurer:<\/strong><\/span><a title=\"Personal Accident \u2013 Late notification\" href=\"https:\/\/www.fmos.org.my\/en\/Submission_outside_timeframe?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Submission outside timeframe<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause Accidental vs Illness:<\/strong><\/span><a title=\"Exclusion - Accidental vs Illness - Accidental Fall vs Myocardial Infarct\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_-_Accidental_vs_Illness_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\"><span style=\"text-decoration: underline\"><strong>\u00a0<\/strong><\/span>Case 1<\/a>\u00a0|\u00a0<a title=\"Case 2\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_%E2%80%93_Accidental_vs_Illness_Case_2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a>|\u00a0<a title=\"Exclusion - Accidental vs Illness - Accidental Death Claim\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_%E2%80%93_Accidental_vs_Illness_Case_3?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 3<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause : Illegal Activities<\/strong><\/span><br \/><a title=\"Claim does not fall within the ambit of Certificate\u2019s coverage\" href=\"https:\/\/www.fmos.org.my\/en\/Illegal_activities?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Adjudication by Ombudsman Life &amp; General Medical\" href=\"https:\/\/www.fmos.org.my\/en\/Expired_Licence?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2\u00a0<\/a>|\u00a0<a title=\"Adjudication by Ombudsman Life &amp; General Medical\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_clause_-_Riding_Without_A_Valid_Driving_License?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 3<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause:<\/strong><\/span><a title=\"Adjudication by Ombudsman Life &amp; General Medical\" href=\"https:\/\/www.fmos.org.my\/en\/Preventive_Medication?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Preventive Medication<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause:<\/strong><\/span><a title=\"Claim does not fall within the ambit of Certificate\u2019s coverage\" href=\"https:\/\/www.fmos.org.my\/en\/Pre_Existing_illness?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Pre-Existing illness<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause:<\/strong><\/span><a title=\"Exclusion clause - Congenital\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_clause_Congenital?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Congenital<\/a>\u00a0\u00a0<\/li><li><span style=\"text-decoration: underline\"><strong>Investigatory Purposes:<\/strong><\/span><a title=\"Hospitalization - Exclusion\" href=\"https:\/\/www.fmos.org.my\/en\/Investigatory_Purposes?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Investigatory Purposes<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Terms and Conditions:<\/strong><\/span><a title=\"Terms and Conditions: Outpatient vs Admission\" href=\"https:\/\/www.fmos.org.my\/en\/Outpatient_vs_Admission?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Case 1<\/a>\u00a0|\u00a0<a title=\"Terms and Conditions: Ambiguity in the Policy\" href=\"https:\/\/www.fmos.org.my\/en\/Ambiguity_in_the_Policy_Terms_and_Conditions?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Temporary Total Disability:<\/strong><\/span><a title=\"Accident Claim Temporary Total Disability Claim\" href=\"https:\/\/www.fmos.org.my\/en\/Accident_Claim_Temporary_Total_Disability_Claim_Case1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Case 1<\/a>\u00a0|\u00a0<a title=\"Accident Claim Temporary Total Disability Claim\" href=\"https:\/\/www.fmos.org.my\/en\/Accident_Claim_Temporary_Total_Disability_Claim_Case2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Personal Accident: No Valid Driving Licence:<\/strong><\/span><a title=\"Personal Accident Claim Temporary Total Disability Claim\" href=\"https:\/\/www.fmos.org.my\/en\/Personal_Accident_-_Case1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Case 1\u00a0<\/a>|\u00a0<a title=\"Personal Accident\" href=\"https:\/\/www.fmos.org.my\/en\/Personal_Accident_-_Case2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause:<\/strong><\/span><a title=\"Exclusion Clause: Violation of law\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_Clause-Violation_of_law?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Violation of law<\/a><\/li><\/ol><p><strong>General Non-Motor<\/strong><\/p><ol><li><span style=\"text-decoration: underline\"><strong>Marine Cargo:<\/strong><\/span><a title=\"Marine Cargo: Inland Transit Claim\" href=\"https:\/\/www.fmos.org.my\/en\/Inland_Transit_Claim?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Inland Transit Claim<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Travel Insurance:<\/strong><\/span><a title=\"Travel Insurance: Case 1\" href=\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case1?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Case 1 |<\/a><a title=\"Travel Insurance: Case 2\" href=\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case2?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Case 2<\/a>\u00a0|\u00a0<a title=\"Travel Insurance: Case 3\" href=\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case3?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">Case 3<\/a>\u00a0|\u00a0<a title=\"Travel Insurance: Case 4\" href=\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case4?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">Case 4<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Policy Definition:<\/strong><\/span><a title=\"Policy Definition: Case 1\" href=\"https:\/\/www.fmos.org.my\/en\/Policy_Definition_Case_1?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Case 1<\/a>\u00a0|<a title=\"Policy Definition: Case 2\" href=\"https:\/\/www.fmos.org.my\/en\/Absence_of_Warranty_Details_in_the_Policy_Contract?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Case 2\u00a0<\/a><img decoding=\"async\" src=\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\" \/><\/li><li><span style=\"text-decoration: underline\"><strong>Burglary:<\/strong><\/span><a title=\"Burglary: Outlet Robbery\" href=\"https:\/\/www.fmos.org.my\/en\/Outlet_Robbery?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Outlet Robbery<\/a><\/li><li><a title=\"Public Liability\" href=\"https:\/\/www.fmos.org.my\/en\/Public_Liability?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">Public Liability<\/a>\u00a0\u00a0<\/li><\/ol>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-a13829c\">\n                        <a href=\"#collapse-87e3c5969e3e1f801e96\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-87e3c5969e3e1f801e96\" aria-expanded=\"true\" aria-controls=\"Collapse-87e3c5969e3e1f801e96\">\n                            \n                            <span class=\"ekit-accordion-title\">Cases Referred to the Court<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-87e3c5969e3e1f801e96\" class=\" show collapse\" aria-labelledby=\"primaryHeading-2-a13829c\" data-parent=\"#accordion-69e3e1f801e96\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <ol><li><a href=\"https:\/\/www.fmos.org.my\/file\/files\/PRUDENTIAL%20V%20OMBUDSMAN%20&amp;%20ANOR.pdf\">Prudential V Ombudsman &amp; Anor<\/a><\/li><li><a href=\"https:\/\/www.fmos.org.my\/file\/files\/LEE%20HONG%20CHEW%20V%20HONG%20LEONG%20ASSURANCE.pdf\">Lee Hong Chew V Hong Leong Assurance<\/a><\/li><li><a href=\"https:\/\/www.fmos.org.my\/file\/files\/LOH%20SWEE%20LIANG%20V%20AMGENERAL%20INSURANCE.pdf\">Loh Swee Liang V AmGeneral Insurance<\/a><\/li><li><a href=\"https:\/\/www.fmos.org.my\/file\/files\/Sukumaran%20AL%20Ramasamy_Anor%20v%20Public%20Bank%20Berhad.pdf\">Sukumaran AL Ramasamy &amp; Anor v Public Bank Berhad<\/a><\/li><\/ol>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Banking, Islamic Banking and Payment Systems\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><strong>Credit Card<\/strong><\/p><ol><li><span style=\\\"text-decoration: underline\\\"><strong>Online transaction:<\/strong><\/span><br \/><a title=\\\"Dispute Relating to Online Transaction\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/No_OTP_or_SMS_alert?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Dispute on a transaction made online\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Online_Scam?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Case 2<\/a>\u00a0|\u00a0<a title=\\\"Unauthorised Online Transaction\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Unauthorised_Online_Transaction?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Case 3<\/a>\u00a0|\u00a0<a title=\\\"Unauthorised Online Transaction - Delay in Submitting Dispute Form\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Unauthorised_Online_Transaction_-_Delay_in_Submitting_Dispute_Form?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Case 4<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Cashback: <\/strong><\/span><a title=\\\"Cashback Promotion\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Cashback_Promotion?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Cashback Promotion<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Unauthorized Retail Transaction: <\/strong><\/span><a title=\\\"Stolen Credit Card - Unauthorized Retail Transaction\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Stolen_Credit_Card?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Stolen Credit Card<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Unauthorized Retail Transaction: <\/strong><\/span><a title=\\\"Compromised Credit Card (Unauthorised Retail Transaction)\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Compromised_Credit_Card?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Compromised Credit Card<\/a><\/li><li><strong><span style=\\\"text-decoration: underline\\\"><a title=\\\"Charges Debited into the Credit Card Account\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Charges_Debited_into_the_Credit_Card_Account?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Charges Debited into the Credit Card Account<\/a><\/span><\/strong><\/li><\/ol><p><strong>Operational Issues<\/strong><\/p><ol><li><a title=\\\"Alteration and payment of post dated cheque\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Alteration_and_payment_of_post_dated_cheque?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Alteration and payment of post-dated cheque<\/a><\/li><li><a title=\\\"No Pro-Rated Interest Payment for Premature Withdrawal of Fixed Deposit\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/No_Pro-Rated_Interest_Payment_for_Premature_Withdrawal_of_Fixed_Deposit?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Failure to Provide Proper Notification to Customer<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Mis Selling:<\/strong><\/span>\u00a0<a title=\\\"Mis Selling Case 1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Mis Selling Case 2\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Case 2<\/a>\u00a0|\u00a0<a title=\\\"Mis Selling Case 3\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case3?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Case 3 <\/a>|\u00a0<a title=\\\"Mis Selling Case 4\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case4?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Case 4<\/a>\u00a0<img src=\\\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\\\" \/><\/li><\/ol><p><strong>Contractual Issues<\/strong><\/p><ol><li><a title=\\\"Reinstatement of the Interest Rate was not carried out by the bank\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Reinstatement_of_the_Interest_Rate?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes24]\\\">Reinstatement of the Interest Rate<\/a><\/li><\/ol><p><strong>Cash Deposit Machine(CDM)<\/strong><\/p><ol><li><a title=\\\"Dispute on non-return of cash by the CDM\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/non_return_of_cash?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes25]\\\">Non-return of cash<\/a><\/li><\/ol><p><strong>Internet Banking<\/strong><\/p><ol><li><a title=\\\"SMS\/Phone Scam\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/SMS_Phone_Scam?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes26]\\\">SMS\/Phone Scam<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Fund Transfer Scams:<\/strong><\/span>\u00a0<a title=\\\"Fund Transfer Scams - Case 1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Fund_Transfer_Scams_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes26]\\\">Case 1<\/a>\u00a0<img src=\\\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\\\" \/><\/li><\/ol><p><strong>Automated Teller Machine (ATM)<\/strong><\/p><ol><li><a title=\\\"Case 1 - Non Dispensation of Cash - Customer Left the ATM Without Waiting for the Cash to be Dispensed\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Non_Dispensation_of_Cash_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes27]\\\">Case 1 - Non Dispensation of Cash\u00a0<\/a><\/li><li><a title=\\\"Case 2 - Non Dispensation of Cash - CCTV Not Strategically Positioned \\\" href=\\\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Non_Dispensation_of_Cash_Case_2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes27]\\\">Case 2 - Non Dispensation of Cash<\/a><\/li><li><a title=\\\"Case 3 - ATM - Alleged Unauthorised withdrawal - Card \/ PIN Compromised\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Alleged_Unauthorised_withdrawal?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes27]\\\">Case 3 - Alleged Unauthorised Withdrawal<\/a><\/li><\/ol><p><strong>Chargeback<\/strong><\/p><ol><li><span style=\\\"text-decoration: underline\\\"><a title=\\\"Chargeback against a transaction made at the merchant\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Refund_of_transaction?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes28]\\\">Refund of transaction<\/a><\/span><\/li><\/ol>\"}},{\"@type\":\"Question\",\"name\":\"Insurance and Takaful\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><strong>Motor<\/strong><\/p><ol><li><span style=\\\"text-decoration: underline\\\"><strong>Delay in notifying the Insurer:<\/strong><\/span><a title=\\\"Takaful Motor - Late Notification\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Stolen_Vehicle_reported_after_4_weeks?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Stolen Vehicle reported after 4 weeks<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Delay in Lodging Police Report:<\/strong><\/span><a title=\\\"Motor - Delay in Lodging Police Report\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Stolen_Vehicle_notified_after_9_days?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Stolen Vehicle notified after 9 days<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause:<\/strong><\/span><a title=\\\"Takaful Motor \u2013 Exception\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Criminal_Activity?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Criminal Activity<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause : Criminal Breach of Trust (CBT)<\/strong><\/span><br \/><a title=\\\"Exclusion - Criminal Breach of Trust &amp; Limitation as to use - Vehicle for private use was rented out with consent and lost.\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_Clause_%E2%80%93_Criminal_Breach_of_Trust_and_Limitation_as_to_use?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Takaful Motor - Criminal Breach of Trust\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Takaful_Motor_-_Criminal_Breach_of_Trust?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 2<\/a><\/li><li><a title=\\\"Motor - Dispute on Application of Average Clause\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Application_of_Average_Clause?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Application of Average Clause<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Failure to take reasonable precaution:<\/strong><\/span><br \/><a title=\\\"Takaful Motor - Failure to take reasonable precaution\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Unattended_vehicle_with_engine_running?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Motor - Theft of Vehicle\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_Reasonably_Precaution_Case_2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 2<\/a>\u00a0|\u00a0<a title=\\\"Key in the ignition was left in the vehicle with the presence of Insured who was asleep\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_reasonable_precaution_Case_3?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 3<\/a>\u00a0\u00a0 |\u00a0<a title=\\\"Car Stolen Afer Being Left Unattended With Engine Running\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_reasonable_precaution_Case_4?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 4<\/a><\/li><li><a title=\\\"Case 1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Total_Lost_vs_Insurer_Cost_of_Repair?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Total Loss vs Insurer Cost of Repair<\/a><\/li><li><a title=\\\"Tempered Chasis Number\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Tampered_Chassis_Number?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\"><strong>Tampered Chassis Number<\/strong><\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Non \u2013disclosure:<\/strong><\/span><a title=\\\"General Motor Non Disclosure\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Absence_of_specific_questions_in_the_Proposal_Form?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Absence of specific questions in the Proposal Form<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Compensation for Assessed Repair Time (CART):<\/strong><\/span><a title=\\\"Compensation for Assessed Repair Time\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Compensation_for_Assessed_Repair_Time?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Case 1<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Market Value:<\/strong><\/span><a title=\\\"Market Value \u2013 Registration Mistake of the Vehicle\u2019s Make and Model.\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Market_Value?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Registration Mistake of the Vehicle\u2019s Make and Model.\u00a0<\/a><img src=\\\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\\\" \/><\/li><\/ol><p><strong>Life, Family and General Medical<\/strong><\/p><ol><li><span style=\\\"text-decoration: underline\\\"><strong>Non-Disclosure: Medical history not disclosed in Proposal Form<\/strong><\/span><br \/><a title=\\\"Critical Illness Claim - Non-Disclosure\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Death Claim - Non-Disclosure\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a>\u00a0|\u00a0<a title=\\\"Claim rejected without sufficient evidence - Non-Disclosure\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_3?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 3<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Deductible:<\/strong><\/span>\u00a0<a title=\\\"Tuntutan bayaran balik ditolak atas alasan deduktibel\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Deductible_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 1<\/a><\/li><li><strong><span style=\\\"text-decoration: underline\\\">Total and Permanent Disability Claim: Definition of TPD not fulfilled<\/span><\/strong><br \/><a title=\\\"Total and Permanent Disability Claim Case1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/TPD_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Total and Permanent Disability Claim Case2\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/TPD_Case_2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a>\u00a0|\u00a0<a title=\\\"Total and Permanent Disability Claim Case3\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/TPD_Case_3?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 3<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Delay in Notifying the Insurer:<\/strong><\/span><a title=\\\"Personal Accident \u2013 Late notification\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Submission_outside_timeframe?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Submission outside timeframe<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause Accidental vs Illness:<\/strong><\/span><a title=\\\"Exclusion - Accidental vs Illness - Accidental Fall vs Myocardial Infarct\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_-_Accidental_vs_Illness_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\"><span style=\\\"text-decoration: underline\\\"><strong>\u00a0<\/strong><\/span>Case 1<\/a>\u00a0|\u00a0<a title=\\\"Case 2\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_%E2%80%93_Accidental_vs_Illness_Case_2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a>|\u00a0<a title=\\\"Exclusion - Accidental vs Illness - Accidental Death Claim\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_%E2%80%93_Accidental_vs_Illness_Case_3?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 3<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause : Illegal Activities<\/strong><\/span><br \/><a title=\\\"Claim does not fall within the ambit of Certificate\u2019s coverage\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Illegal_activities?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Adjudication by Ombudsman Life &amp; General Medical\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Expired_Licence?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2\u00a0<\/a>|\u00a0<a title=\\\"Adjudication by Ombudsman Life &amp; General Medical\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_clause_-_Riding_Without_A_Valid_Driving_License?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 3<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause:<\/strong><\/span><a title=\\\"Adjudication by Ombudsman Life &amp; General Medical\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Preventive_Medication?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Preventive Medication<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause:<\/strong><\/span><a title=\\\"Claim does not fall within the ambit of Certificate\u2019s coverage\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Pre_Existing_illness?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Pre-Existing illness<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause:<\/strong><\/span><a title=\\\"Exclusion clause - Congenital\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_clause_Congenital?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Congenital<\/a>\u00a0\u00a0<\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Investigatory Purposes:<\/strong><\/span><a title=\\\"Hospitalization - Exclusion\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Investigatory_Purposes?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Investigatory Purposes<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Terms and Conditions:<\/strong><\/span><a title=\\\"Terms and Conditions: Outpatient vs Admission\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Outpatient_vs_Admission?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Case 1<\/a>\u00a0|\u00a0<a title=\\\"Terms and Conditions: Ambiguity in the Policy\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Ambiguity_in_the_Policy_Terms_and_Conditions?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Temporary Total Disability:<\/strong><\/span><a title=\\\"Accident Claim Temporary Total Disability Claim\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Accident_Claim_Temporary_Total_Disability_Claim_Case1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Case 1<\/a>\u00a0|\u00a0<a title=\\\"Accident Claim Temporary Total Disability Claim\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Accident_Claim_Temporary_Total_Disability_Claim_Case2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Personal Accident: No Valid Driving Licence:<\/strong><\/span><a title=\\\"Personal Accident Claim Temporary Total Disability Claim\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Personal_Accident_-_Case1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Case 1\u00a0<\/a>|\u00a0<a title=\\\"Personal Accident\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Personal_Accident_-_Case2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause:<\/strong><\/span><a title=\\\"Exclusion Clause: Violation of law\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_Clause-Violation_of_law?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Violation of law<\/a><\/li><\/ol><p><strong>General Non-Motor<\/strong><\/p><ol><li><span style=\\\"text-decoration: underline\\\"><strong>Marine Cargo:<\/strong><\/span><a title=\\\"Marine Cargo: Inland Transit Claim\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Inland_Transit_Claim?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Inland Transit Claim<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Travel Insurance:<\/strong><\/span><a title=\\\"Travel Insurance: Case 1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case1?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Case 1 |<\/a><a title=\\\"Travel Insurance: Case 2\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case2?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Case 2<\/a>\u00a0|\u00a0<a title=\\\"Travel Insurance: Case 3\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case3?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">Case 3<\/a>\u00a0|\u00a0<a title=\\\"Travel Insurance: Case 4\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case4?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">Case 4<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Policy Definition:<\/strong><\/span><a title=\\\"Policy Definition: Case 1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Policy_Definition_Case_1?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Case 1<\/a>\u00a0|<a title=\\\"Policy Definition: Case 2\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Absence_of_Warranty_Details_in_the_Policy_Contract?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Case 2\u00a0<\/a><img src=\\\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\\\" \/><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Burglary:<\/strong><\/span><a title=\\\"Burglary: Outlet Robbery\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Outlet_Robbery?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Outlet Robbery<\/a><\/li><li><a title=\\\"Public Liability\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Public_Liability?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">Public Liability<\/a>\u00a0\u00a0<\/li><\/ol>\"}},{\"@type\":\"Question\",\"name\":\"Cases Referred to the Court\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ol><li><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/PRUDENTIAL%20V%20OMBUDSMAN%20&amp;%20ANOR.pdf\\\">Prudential V Ombudsman &amp; Anor<\/a><\/li><li><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/LEE%20HONG%20CHEW%20V%20HONG%20LEONG%20ASSURANCE.pdf\\\">Lee Hong Chew V Hong Leong Assurance<\/a><\/li><li><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/LOH%20SWEE%20LIANG%20V%20AMGENERAL%20INSURANCE.pdf\\\">Loh Swee Liang V AmGeneral Insurance<\/a><\/li><li><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Sukumaran%20AL%20Ramasamy_Anor%20v%20Public%20Bank%20Berhad.pdf\\\">Sukumaran AL Ramasamy &amp; Anor v Public Bank Berhad<\/a><\/li><\/ol>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b8ec90f elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"b8ec90f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7f4686d e-flex e-con-boxed e-con e-child\" data-id=\"7f4686d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b37377 elementor-widget elementor-widget-heading\" data-id=\"7b37377\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Photo Gallery<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e92eef elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"7e92eef\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3e1f80b3b3\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-7e92eef\">\n                        <a href=\"#collapse-578f3c469e3e1f80b3b3\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3e1f80b3b3\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3e1f80b3b3\">\n                            \n                            <span class=\"ekit-accordion-title\">Launching of the Financial Ombudsman Scheme<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3e1f80b3b3\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-7e92eef\" data-parent=\"#accordion-69e3e1f80b3b3\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/en\/Photo_Gallery\">Launching of the Financial Ombudsman Scheme<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Launching of the Financial Ombudsman Scheme\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/en\/Photo_Gallery\\\">Launching of the Financial Ombudsman Scheme<\/a><\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c8e76d5 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"c8e76d5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9336caa e-flex e-con-boxed e-con e-child\" data-id=\"9336caa\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81cc31b elementor-widget elementor-widget-heading\" data-id=\"81cc31b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Independent Review Report<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc5c0db elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"cc5c0db\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3e1f80cbb1\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-cc5c0db\">\n                        <a href=\"#collapse-578f3c469e3e1f80cbb1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3e1f80cbb1\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3e1f80cbb1\">\n                            \n                            <span class=\"ekit-accordion-title\">2019 Report<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3e1f80cbb1\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-cc5c0db\" data-parent=\"#accordion-69e3e1f80cbb1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/2019_CRK_OFS_Report.pdf\">2019 Report<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-cc5c0db\">\n                        <a href=\"#collapse-9d1ae3a69e3e1f80cbb1\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-9d1ae3a69e3e1f80cbb1\" aria-expanded=\"false\" aria-controls=\"Collapse-9d1ae3a69e3e1f80cbb1\">\n                            \n                            <span class=\"ekit-accordion-title\">Board&#039;s Response<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-9d1ae3a69e3e1f80cbb1\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-cc5c0db\" data-parent=\"#accordion-69e3e1f80cbb1\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/Boards-response.pdf\">Board's Response<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"2019 Report\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/2019_CRK_OFS_Report.pdf\\\">2019 Report<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"Board&#039;s Response\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Boards-response.pdf\\\">Board's Response<\/a><\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15ce4d2 e-con-full elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"15ce4d2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af7d838 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-jkit_tabs\" data-id=\"af7d838\" data-element_type=\"widget\" data-widget_type=\"jkit_tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-tabs layout-horizontal jeg_module__2_69e448b988858\" ><div class=\"tab-navigation\"><ul class=\"tab-nav-list icon-position-before  \" data-toggle=\"\"><li class=\"tab-nav active \" data-tab=\"tab-49c0cd4\"><img decoding=\"async\" width=\"200\" height=\"100\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/ombudsman-for-finance-services.jpeg\" 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--e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );}.elementor-3959 .elementor-element.elementor-element-2b88373 .elementskit-accordion .elementskit-card-body{padding:1em 1em 1em 1em;}.elementor-3959 .elementor-element.elementor-element-e3c8aaf{--padding-top:24px;--padding-bottom:51px;--padding-left:24px;--padding-right:24px;}.elementor-3959 .elementor-element.elementor-element-2103e17 .elementor-heading-title{font-size:32px;}.elementor-3959 .elementor-element.elementor-element-70f1416 .elementskit-accordion .elementskit-card-header>.elementskit-btn-link{font-size:var( --e-global-typography-d9f56ad-font-size );line-height:var( --e-global-typography-d9f56ad-line-height );letter-spacing:var( --e-global-typography-d9f56ad-letter-spacing );}.elementor-3959 .elementor-element.elementor-element-70f1416 .elementskit-accordion .elementskit-card-body p, .elementor-3959 .elementor-element.elementor-element-70f1416 .elementskit-accordion .elementskit-card-body{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );}.elementor-3959 .elementor-element.elementor-element-70f1416 .elementskit-accordion .elementskit-card-body{padding:1em 1em 1em 1em;}}\/* Start custom CSS for elementskit-accordion, class: .elementor-element-85bab2e *\/.elementor-toggle .elementor-tab-content {\n    display: none !important;\n}\/* End custom CSS *\/\n\/* Start custom CSS for elementskit-accordion, class: .elementor-element-06d9efe *\/.elementor-toggle .elementor-tab-content {\n    display: none !important;\n}\/* End custom CSS *\/\n\/* Start custom CSS for elementskit-accordion, class: .elementor-element-e7fbd4f *\/.elementor-toggle .elementor-tab-content {\n    display: none !important;\n}\/* End custom CSS *\/\n\/* Start custom CSS for elementskit-accordion, class: .elementor-element-2b88373 *\/.elementor-toggle .elementor-tab-content {\n    display: none !important;\n}\/* End custom CSS *\/\n\/* Start custom CSS for elementskit-accordion, class: .elementor-element-70f1416 *\/.elementor-toggle .elementor-tab-content {\n    display: none !important;\n}\/* End custom CSS *\/<\/style>\t\t<div data-elementor-type=\"section\" data-elementor-id=\"3959\" class=\"elementor elementor-3959\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-67ca952 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"67ca952\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1beacb1\" data-id=\"1beacb1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15463a6 e-con-full e-flex e-con e-child\" data-id=\"15463a6\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-faab697 elementor-widget elementor-widget-heading\" data-id=\"faab697\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Video<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70037f3 elementor-widget elementor-widget-elementskit-accordion\" data-id=\"70037f3\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c8400c4\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-70037f3\">\n                        <a href=\"#collapse-578f3c469e3a2c8400c4\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c8400c4\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c8400c4\">\n                            \n                            <span class=\"ekit-accordion-title\">Corporate Video<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c8400c4\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-70037f3\" data-parent=\"#accordion-69e3a2c8400c4\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.youtube.com\/watch?v=GNPoR6RX_O4\" target=\"_blank\" rel=\"noopener\">Corporate Video<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-70037f3\">\n                        <a href=\"#collapse-487e8f169e3a2c8400c4\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-487e8f169e3a2c8400c4\" aria-expanded=\"true\" aria-controls=\"Collapse-487e8f169e3a2c8400c4\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Animated Video<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-487e8f169e3a2c8400c4\" class=\" show collapse\" aria-labelledby=\"primaryHeading-1-70037f3\" data-parent=\"#accordion-69e3a2c8400c4\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>OFS Animated Video (<a href=\"https:\/\/youtu.be\/lRlkQtn5BSw\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/youtu.be\/BhPWIEQJt10\" target=\"_blank\" rel=\"noopener\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/youtu.be\/AHVe6KEDKGI\" target=\"_blank\" rel=\"noopener\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/youtu.be\/27zSe-53_gg\" target=\"_blank\" rel=\"noopener\">Tamil<\/a>)<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac39366 e-con-full e-flex e-con e-child\" data-id=\"ac39366\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c2b062 elementor-widget elementor-widget-heading\" data-id=\"2c2b062\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pamphlet<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85bab2e elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"85bab2e\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c841a20\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-85bab2e\">\n                        <a href=\"#collapse-578f3c469e3a2c841a20\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c841a20\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c841a20\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Pamphlet<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c841a20\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-85bab2e\" data-parent=\"#accordion-69e3a2c841a20\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>OFS Pamphlet (<a href=\"https:\/\/www.fmos.org.my\/file\/files\/Brochure%20PDF%20English.pdf\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.fmos.org.my\/file\/files\/Brochure%20PDF%20BAHASA%20MELAYU.pdf\" target=\"_blank\" rel=\"noopener\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_brochure_mandarin.pdf\" target=\"_blank\" rel=\"noopener\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_brochure_Tamil.pdf\" target=\"_blank\" rel=\"noopener\">Tamil<\/a>)<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"OFS Pamphlet\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>OFS Pamphlet (<a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Brochure%20PDF%20English.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">English<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Brochure%20PDF%20BAHASA%20MELAYU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Malay<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_brochure_mandarin.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Mandarin<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_brochure_Tamil.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Tamil<\/a>)<\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-30312dc e-con-full e-flex e-con e-child\" data-id=\"30312dc\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3845fc8 elementor-widget elementor-widget-heading\" data-id=\"3845fc8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Annual Reports<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06d9efe elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"06d9efe\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c84317e\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-06d9efe\">\n                        <a href=\"#collapse-578f3c469e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c84317e\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2023<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c84317e\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2023_AnnualReport.pdf\">OFS Annual Report 2023<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-06d9efe\">\n                        <a href=\"#collapse-a1d62e669e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a1d62e669e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-a1d62e669e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2022<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a1d62e669e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2022_AnnualReport.pdf\">OFS Annual Report 2022<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-06d9efe\">\n                        <a href=\"#collapse-87e3c5969e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-87e3c5969e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-87e3c5969e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2021<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-87e3c5969e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2021_AnnualReport.pdf\">OFS Annual Report 2021<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-06d9efe\">\n                        <a href=\"#collapse-a4c8af869e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a4c8af869e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-a4c8af869e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2020<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a4c8af869e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2020_AnnualReport_.pdf\">OFS Annual Report 2020<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-06d9efe\">\n                        <a href=\"#collapse-220e54069e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-220e54069e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-220e54069e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2019<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-220e54069e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2019_AnnualReport.pdf\">OFS Annual Report 2019<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-06d9efe\">\n                        <a href=\"#collapse-59cfffb69e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-59cfffb69e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-59cfffb69e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2018<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-59cfffb69e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2018_AnnualReport.pdf\">OFS Annual Report 2018<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-06d9efe\">\n                        <a href=\"#collapse-818e53f69e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-818e53f69e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-818e53f69e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2017<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-818e53f69e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-6-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS-AR2017-lowres.pdf\">OFS Annual Report 2017<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-06d9efe\">\n                        <a href=\"#collapse-f74c5a569e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-f74c5a569e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-f74c5a569e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2016<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-f74c5a569e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-7-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_AR2016.pdf\">OFS Annual Report 2016<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-06d9efe\">\n                        <a href=\"#collapse-b4eb9b869e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-b4eb9b869e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-b4eb9b869e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2015<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-b4eb9b869e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-8-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/FMB-AR2015-Final.pdf\">OFS Annual Report 2015<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-06d9efe\">\n                        <a href=\"#collapse-caf5e9169e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-caf5e9169e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-caf5e9169e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2014<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-caf5e9169e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-9-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/FMB-AR2014-FINAL.pdf\">OFS Annual Report 2014<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-10-06d9efe\">\n                        <a href=\"#collapse-75023a169e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-75023a169e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-75023a169e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2013<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-75023a169e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-10-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/annual_rep_2013.pdf\">OFS Annual Report 2013<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-11-06d9efe\">\n                        <a href=\"#collapse-69600da69e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-69600da69e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-69600da69e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2012<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-69600da69e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-11-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/Annual%20Report%202012.pdf\">OFS Annual Report 2012<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-12-06d9efe\">\n                        <a href=\"#collapse-7dcd2ac69e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7dcd2ac69e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-7dcd2ac69e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2011<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7dcd2ac69e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-12-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/Annual%20Report%202011.pdf\">OFS Annual Report 2011<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2023\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2023_AnnualReport.pdf\\\">OFS Annual Report 2023<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2022\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2022_AnnualReport.pdf\\\">OFS Annual Report 2022<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2021\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2021_AnnualReport.pdf\\\">OFS Annual Report 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href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Annual%20Report%202012.pdf\\\">OFS Annual Report 2012<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2011\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Annual%20Report%202011.pdf\\\">OFS Annual Report 2011<\/a><\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e560458 e-con-full e-flex e-con e-child\" data-id=\"e560458\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cdcf011 elementor-widget elementor-widget-heading\" data-id=\"cdcf011\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Case Studies<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7fbd4f elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"e7fbd4f\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c846113\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-e7fbd4f\">\n                        <a href=\"#collapse-578f3c469e3a2c846113\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c846113\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c846113\">\n                            \n                            <span class=\"ekit-accordion-title\">Banking, Islamic Banking and Payment Systems<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c846113\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-e7fbd4f\" data-parent=\"#accordion-69e3a2c846113\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><strong>Credit Card<\/strong><\/p><ol><li><span style=\"text-decoration: underline\"><strong>Online transaction:<\/strong><\/span><br \/><a title=\"Dispute Relating to Online Transaction\" href=\"https:\/\/www.fmos.org.my\/en\/No_OTP_or_SMS_alert?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Dispute on a transaction made online\" href=\"https:\/\/www.fmos.org.my\/en\/Online_Scam?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Case 2<\/a>\u00a0|\u00a0<a title=\"Unauthorised Online Transaction\" href=\"https:\/\/www.fmos.org.my\/en\/Unauthorised_Online_Transaction?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Case 3<\/a>\u00a0|\u00a0<a title=\"Unauthorised Online Transaction - Delay in Submitting Dispute Form\" href=\"https:\/\/www.fmos.org.my\/en\/Unauthorised_Online_Transaction_-_Delay_in_Submitting_Dispute_Form?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Case 4<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Cashback: <\/strong><\/span><a title=\"Cashback Promotion\" href=\"https:\/\/www.fmos.org.my\/en\/Cashback_Promotion?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Cashback Promotion<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Unauthorized Retail Transaction: <\/strong><\/span><a title=\"Stolen Credit Card - Unauthorized Retail Transaction\" href=\"https:\/\/www.fmos.org.my\/en\/Stolen_Credit_Card?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Stolen Credit Card<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Unauthorized Retail Transaction: <\/strong><\/span><a title=\"Compromised Credit Card (Unauthorised Retail Transaction)\" href=\"https:\/\/www.fmos.org.my\/en\/Compromised_Credit_Card?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Compromised Credit Card<\/a><\/li><li><strong><span style=\"text-decoration: underline\"><a title=\"Charges Debited into the Credit Card Account\" href=\"https:\/\/www.fmos.org.my\/en\/Charges_Debited_into_the_Credit_Card_Account?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Charges Debited into the Credit Card Account<\/a><\/span><\/strong><\/li><\/ol><p><strong>Operational Issues<\/strong><\/p><ol><li><a title=\"Alteration and payment of post dated cheque\" href=\"https:\/\/www.fmos.org.my\/en\/Alteration_and_payment_of_post_dated_cheque?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Alteration and payment of post-dated cheque<\/a><\/li><li><a title=\"No Pro-Rated Interest Payment for Premature Withdrawal of Fixed Deposit\" href=\"https:\/\/www.fmos.org.my\/en\/No_Pro-Rated_Interest_Payment_for_Premature_Withdrawal_of_Fixed_Deposit?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Failure to Provide Proper Notification to Customer<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Mis Selling:<\/strong><\/span>\u00a0<a title=\"Mis Selling Case 1\" href=\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Mis Selling Case 2\" href=\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Case 2<\/a>\u00a0|\u00a0<a title=\"Mis Selling Case 3\" href=\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case3?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Case 3 <\/a>|\u00a0<a title=\"Mis Selling Case 4\" href=\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case4?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Case 4<\/a>\u00a0<img decoding=\"async\" src=\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\" \/><\/li><\/ol><p><strong>Contractual Issues<\/strong><\/p><ol><li><a title=\"Reinstatement of the Interest Rate was not carried out by the bank\" href=\"https:\/\/www.fmos.org.my\/en\/Reinstatement_of_the_Interest_Rate?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes24]\">Reinstatement of the Interest Rate<\/a><\/li><\/ol><p><strong>Cash Deposit Machine(CDM)<\/strong><\/p><ol><li><a title=\"Dispute on non-return of cash by the CDM\" href=\"https:\/\/www.fmos.org.my\/en\/non_return_of_cash?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes25]\">Non-return of cash<\/a><\/li><\/ol><p><strong>Internet Banking<\/strong><\/p><ol><li><a title=\"SMS\/Phone Scam\" href=\"https:\/\/www.fmos.org.my\/en\/SMS_Phone_Scam?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes26]\">SMS\/Phone Scam<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Fund Transfer Scams:<\/strong><\/span>\u00a0<a title=\"Fund Transfer Scams - Case 1\" href=\"https:\/\/www.fmos.org.my\/en\/Fund_Transfer_Scams_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes26]\">Case 1<\/a>\u00a0<img decoding=\"async\" src=\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\" \/><\/li><\/ol><p><strong>Automated Teller Machine (ATM)<\/strong><\/p><ol><li><a title=\"Case 1 - Non Dispensation of Cash - Customer Left the ATM Without Waiting for the Cash to be Dispensed\" href=\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Non_Dispensation_of_Cash_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes27]\">Case 1 - Non Dispensation of Cash\u00a0<\/a><\/li><li><a title=\"Case 2 - Non Dispensation of Cash - CCTV Not Strategically Positioned \" href=\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Non_Dispensation_of_Cash_Case_2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes27]\">Case 2 - Non Dispensation of Cash<\/a><\/li><li><a title=\"Case 3 - ATM - Alleged Unauthorised withdrawal - Card \/ PIN Compromised\" href=\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Alleged_Unauthorised_withdrawal?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes27]\">Case 3 - Alleged Unauthorised Withdrawal<\/a><\/li><\/ol><p><strong>Chargeback<\/strong><\/p><ol><li><span style=\"text-decoration: underline\"><a title=\"Chargeback against a transaction made at the merchant\" href=\"https:\/\/www.fmos.org.my\/en\/Refund_of_transaction?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes28]\">Refund of transaction<\/a><\/span><\/li><\/ol>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-e7fbd4f\">\n                        <a href=\"#collapse-a1d62e669e3a2c846113\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a1d62e669e3a2c846113\" aria-expanded=\"false\" aria-controls=\"Collapse-a1d62e669e3a2c846113\">\n                            \n                            <span class=\"ekit-accordion-title\">Insurance and Takaful<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a1d62e669e3a2c846113\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-e7fbd4f\" data-parent=\"#accordion-69e3a2c846113\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><strong>Motor<\/strong><\/p><ol><li><span style=\"text-decoration: underline\"><strong>Delay in notifying the Insurer:<\/strong><\/span><a title=\"Takaful Motor - Late Notification\" href=\"https:\/\/www.fmos.org.my\/en\/Stolen_Vehicle_reported_after_4_weeks?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Stolen Vehicle reported after 4 weeks<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Delay in Lodging Police Report:<\/strong><\/span><a title=\"Motor - Delay in Lodging Police Report\" href=\"https:\/\/www.fmos.org.my\/en\/Stolen_Vehicle_notified_after_9_days?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Stolen Vehicle notified after 9 days<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause:<\/strong><\/span><a title=\"Takaful Motor \u2013 Exception\" href=\"https:\/\/www.fmos.org.my\/en\/Criminal_Activity?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Criminal Activity<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause : Criminal Breach of Trust (CBT)<\/strong><\/span><br \/><a title=\"Exclusion - Criminal Breach of Trust &amp; Limitation as to use - Vehicle for private use was rented out with consent and lost.\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_Clause_%E2%80%93_Criminal_Breach_of_Trust_and_Limitation_as_to_use?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Takaful Motor - Criminal Breach of Trust\" href=\"https:\/\/www.fmos.org.my\/en\/Takaful_Motor_-_Criminal_Breach_of_Trust?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 2<\/a><\/li><li><a title=\"Motor - Dispute on Application of Average Clause\" href=\"https:\/\/www.fmos.org.my\/en\/Application_of_Average_Clause?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Application of Average Clause<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Failure to take reasonable precaution:<\/strong><\/span><br \/><a title=\"Takaful Motor - Failure to take reasonable precaution\" href=\"https:\/\/www.fmos.org.my\/en\/Unattended_vehicle_with_engine_running?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Motor - Theft of Vehicle\" href=\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_Reasonably_Precaution_Case_2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 2<\/a>\u00a0|\u00a0<a title=\"Key in the ignition was left in the vehicle with the presence of Insured who was asleep\" href=\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_reasonable_precaution_Case_3?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 3<\/a>\u00a0\u00a0 |\u00a0<a title=\"Car Stolen Afer Being Left Unattended With Engine Running\" href=\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_reasonable_precaution_Case_4?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 4<\/a><\/li><li><a title=\"Case 1\" href=\"https:\/\/www.fmos.org.my\/en\/Total_Lost_vs_Insurer_Cost_of_Repair?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Total Loss vs Insurer Cost of Repair<\/a><\/li><li><a title=\"Tempered Chasis Number\" href=\"https:\/\/www.fmos.org.my\/en\/Tampered_Chassis_Number?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\"><strong>Tampered Chassis Number<\/strong><\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Non \u2013disclosure:<\/strong><\/span><a title=\"General Motor Non Disclosure\" href=\"https:\/\/www.fmos.org.my\/en\/Absence_of_specific_questions_in_the_Proposal_Form?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Absence of specific questions in the Proposal Form<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Compensation for Assessed Repair Time (CART):<\/strong><\/span><a title=\"Compensation for Assessed Repair Time\" href=\"https:\/\/www.fmos.org.my\/en\/Compensation_for_Assessed_Repair_Time?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Case 1<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Market Value:<\/strong><\/span><a title=\"Market Value \u2013 Registration Mistake of the Vehicle\u2019s Make and Model.\" href=\"https:\/\/www.fmos.org.my\/en\/Market_Value?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Registration Mistake of the Vehicle\u2019s Make and Model.\u00a0<\/a><img decoding=\"async\" src=\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\" \/><\/li><\/ol><p><strong>Life, Family and General Medical<\/strong><\/p><ol><li><span style=\"text-decoration: underline\"><strong>Non-Disclosure: Medical history not disclosed in Proposal Form<\/strong><\/span><br \/><a title=\"Critical Illness Claim - Non-Disclosure\" href=\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Death Claim - Non-Disclosure\" href=\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a>\u00a0|\u00a0<a title=\"Claim rejected without sufficient evidence - Non-Disclosure\" href=\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_3?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 3<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Deductible:<\/strong><\/span>\u00a0<a title=\"Tuntutan bayaran balik ditolak atas alasan deduktibel\" href=\"https:\/\/www.fmos.org.my\/en\/Deductible_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 1<\/a><\/li><li><strong><span style=\"text-decoration: underline\">Total and Permanent Disability Claim: Definition of TPD not fulfilled<\/span><\/strong><br \/><a title=\"Total and Permanent Disability Claim Case1\" href=\"https:\/\/www.fmos.org.my\/en\/TPD_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Total and Permanent Disability Claim Case2\" href=\"https:\/\/www.fmos.org.my\/en\/TPD_Case_2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a>\u00a0|\u00a0<a title=\"Total and Permanent Disability Claim Case3\" href=\"https:\/\/www.fmos.org.my\/en\/TPD_Case_3?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 3<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Delay in Notifying the Insurer:<\/strong><\/span><a title=\"Personal Accident \u2013 Late notification\" href=\"https:\/\/www.fmos.org.my\/en\/Submission_outside_timeframe?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Submission outside timeframe<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause Accidental vs Illness:<\/strong><\/span><a title=\"Exclusion - Accidental vs Illness - Accidental Fall vs Myocardial Infarct\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_-_Accidental_vs_Illness_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\"><span style=\"text-decoration: underline\"><strong>\u00a0<\/strong><\/span>Case 1<\/a>\u00a0|\u00a0<a title=\"Case 2\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_%E2%80%93_Accidental_vs_Illness_Case_2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a>|\u00a0<a title=\"Exclusion - Accidental vs Illness - Accidental Death Claim\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_%E2%80%93_Accidental_vs_Illness_Case_3?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 3<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause : Illegal Activities<\/strong><\/span><br \/><a title=\"Claim does not fall within the ambit of Certificate\u2019s coverage\" href=\"https:\/\/www.fmos.org.my\/en\/Illegal_activities?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Adjudication by Ombudsman Life &amp; General Medical\" href=\"https:\/\/www.fmos.org.my\/en\/Expired_Licence?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2\u00a0<\/a>|\u00a0<a title=\"Adjudication by Ombudsman Life &amp; General Medical\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_clause_-_Riding_Without_A_Valid_Driving_License?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 3<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause:<\/strong><\/span><a title=\"Adjudication by Ombudsman Life &amp; General Medical\" href=\"https:\/\/www.fmos.org.my\/en\/Preventive_Medication?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Preventive Medication<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause:<\/strong><\/span><a title=\"Claim does not fall within the ambit of Certificate\u2019s coverage\" href=\"https:\/\/www.fmos.org.my\/en\/Pre_Existing_illness?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Pre-Existing illness<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause:<\/strong><\/span><a title=\"Exclusion clause - Congenital\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_clause_Congenital?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Congenital<\/a>\u00a0\u00a0<\/li><li><span style=\"text-decoration: underline\"><strong>Investigatory Purposes:<\/strong><\/span><a title=\"Hospitalization - Exclusion\" href=\"https:\/\/www.fmos.org.my\/en\/Investigatory_Purposes?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Investigatory Purposes<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Terms and Conditions:<\/strong><\/span><a title=\"Terms and Conditions: Outpatient vs Admission\" href=\"https:\/\/www.fmos.org.my\/en\/Outpatient_vs_Admission?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Case 1<\/a>\u00a0|\u00a0<a title=\"Terms and Conditions: Ambiguity in the Policy\" href=\"https:\/\/www.fmos.org.my\/en\/Ambiguity_in_the_Policy_Terms_and_Conditions?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Temporary Total Disability:<\/strong><\/span><a title=\"Accident Claim Temporary Total Disability Claim\" href=\"https:\/\/www.fmos.org.my\/en\/Accident_Claim_Temporary_Total_Disability_Claim_Case1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Case 1<\/a>\u00a0|\u00a0<a title=\"Accident Claim Temporary Total Disability Claim\" href=\"https:\/\/www.fmos.org.my\/en\/Accident_Claim_Temporary_Total_Disability_Claim_Case2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Personal Accident: No Valid Driving Licence:<\/strong><\/span><a title=\"Personal Accident Claim Temporary Total Disability Claim\" href=\"https:\/\/www.fmos.org.my\/en\/Personal_Accident_-_Case1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Case 1\u00a0<\/a>|\u00a0<a title=\"Personal Accident\" href=\"https:\/\/www.fmos.org.my\/en\/Personal_Accident_-_Case2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause:<\/strong><\/span><a title=\"Exclusion Clause: Violation of law\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_Clause-Violation_of_law?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Violation of law<\/a><\/li><\/ol><p><strong>General Non-Motor<\/strong><\/p><ol><li><span style=\"text-decoration: underline\"><strong>Marine Cargo:<\/strong><\/span><a title=\"Marine Cargo: Inland Transit Claim\" href=\"https:\/\/www.fmos.org.my\/en\/Inland_Transit_Claim?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Inland Transit Claim<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Travel Insurance:<\/strong><\/span><a title=\"Travel Insurance: Case 1\" href=\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case1?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Case 1 |<\/a><a title=\"Travel Insurance: Case 2\" href=\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case2?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Case 2<\/a>\u00a0|\u00a0<a title=\"Travel Insurance: Case 3\" href=\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case3?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">Case 3<\/a>\u00a0|\u00a0<a title=\"Travel Insurance: Case 4\" href=\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case4?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">Case 4<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Policy Definition:<\/strong><\/span><a title=\"Policy Definition: Case 1\" href=\"https:\/\/www.fmos.org.my\/en\/Policy_Definition_Case_1?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Case 1<\/a>\u00a0|<a title=\"Policy Definition: Case 2\" href=\"https:\/\/www.fmos.org.my\/en\/Absence_of_Warranty_Details_in_the_Policy_Contract?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Case 2\u00a0<\/a><img decoding=\"async\" src=\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\" \/><\/li><li><span style=\"text-decoration: underline\"><strong>Burglary:<\/strong><\/span><a title=\"Burglary: Outlet Robbery\" href=\"https:\/\/www.fmos.org.my\/en\/Outlet_Robbery?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Outlet Robbery<\/a><\/li><li><a title=\"Public Liability\" href=\"https:\/\/www.fmos.org.my\/en\/Public_Liability?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">Public Liability<\/a>\u00a0\u00a0<\/li><\/ol>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-e7fbd4f\">\n                        <a href=\"#collapse-87e3c5969e3a2c846113\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-87e3c5969e3a2c846113\" aria-expanded=\"true\" aria-controls=\"Collapse-87e3c5969e3a2c846113\">\n                            \n                            <span class=\"ekit-accordion-title\">Cases Referred to the Court<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-87e3c5969e3a2c846113\" class=\" show collapse\" aria-labelledby=\"primaryHeading-2-e7fbd4f\" data-parent=\"#accordion-69e3a2c846113\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <ol><li><a href=\"https:\/\/www.fmos.org.my\/file\/files\/PRUDENTIAL%20V%20OMBUDSMAN%20&amp;%20ANOR.pdf\">Prudential V Ombudsman &amp; Anor<\/a><\/li><li><a href=\"https:\/\/www.fmos.org.my\/file\/files\/LEE%20HONG%20CHEW%20V%20HONG%20LEONG%20ASSURANCE.pdf\">Lee Hong Chew V Hong Leong Assurance<\/a><\/li><li><a href=\"https:\/\/www.fmos.org.my\/file\/files\/LOH%20SWEE%20LIANG%20V%20AMGENERAL%20INSURANCE.pdf\">Loh Swee Liang V AmGeneral Insurance<\/a><\/li><li><a href=\"https:\/\/www.fmos.org.my\/file\/files\/Sukumaran%20AL%20Ramasamy_Anor%20v%20Public%20Bank%20Berhad.pdf\">Sukumaran AL Ramasamy &amp; Anor v Public Bank Berhad<\/a><\/li><\/ol>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Banking, Islamic Banking and Payment Systems\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><strong>Credit Card<\/strong><\/p><ol><li><span style=\\\"text-decoration: underline\\\"><strong>Online transaction:<\/strong><\/span><br \/><a title=\\\"Dispute Relating to Online Transaction\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/No_OTP_or_SMS_alert?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Dispute on a transaction made online\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Online_Scam?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Case 2<\/a>\u00a0|\u00a0<a title=\\\"Unauthorised Online Transaction\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Unauthorised_Online_Transaction?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Case 3<\/a>\u00a0|\u00a0<a title=\\\"Unauthorised Online Transaction - Delay in Submitting Dispute Form\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Unauthorised_Online_Transaction_-_Delay_in_Submitting_Dispute_Form?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Case 4<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Cashback: <\/strong><\/span><a title=\\\"Cashback Promotion\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Cashback_Promotion?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Cashback Promotion<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Unauthorized Retail Transaction: <\/strong><\/span><a title=\\\"Stolen Credit Card - Unauthorized Retail Transaction\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Stolen_Credit_Card?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Stolen Credit Card<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Unauthorized Retail Transaction: <\/strong><\/span><a title=\\\"Compromised Credit Card (Unauthorised Retail Transaction)\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Compromised_Credit_Card?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Compromised Credit Card<\/a><\/li><li><strong><span style=\\\"text-decoration: underline\\\"><a title=\\\"Charges Debited into the Credit Card Account\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Charges_Debited_into_the_Credit_Card_Account?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Charges Debited into the Credit Card Account<\/a><\/span><\/strong><\/li><\/ol><p><strong>Operational Issues<\/strong><\/p><ol><li><a title=\\\"Alteration and payment of post dated cheque\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Alteration_and_payment_of_post_dated_cheque?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Alteration and payment of post-dated cheque<\/a><\/li><li><a title=\\\"No Pro-Rated Interest Payment for Premature Withdrawal of Fixed Deposit\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/No_Pro-Rated_Interest_Payment_for_Premature_Withdrawal_of_Fixed_Deposit?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Failure to Provide Proper Notification to Customer<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Mis Selling:<\/strong><\/span>\u00a0<a title=\\\"Mis Selling Case 1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Mis Selling Case 2\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Case 2<\/a>\u00a0|\u00a0<a title=\\\"Mis Selling Case 3\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case3?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Case 3 <\/a>|\u00a0<a title=\\\"Mis Selling Case 4\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case4?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Case 4<\/a>\u00a0<img src=\\\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\\\" \/><\/li><\/ol><p><strong>Contractual Issues<\/strong><\/p><ol><li><a title=\\\"Reinstatement of the Interest Rate was not carried out by the bank\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Reinstatement_of_the_Interest_Rate?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes24]\\\">Reinstatement of the Interest Rate<\/a><\/li><\/ol><p><strong>Cash Deposit Machine(CDM)<\/strong><\/p><ol><li><a title=\\\"Dispute on non-return of cash by the CDM\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/non_return_of_cash?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes25]\\\">Non-return of cash<\/a><\/li><\/ol><p><strong>Internet Banking<\/strong><\/p><ol><li><a title=\\\"SMS\/Phone Scam\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/SMS_Phone_Scam?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes26]\\\">SMS\/Phone Scam<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Fund Transfer Scams:<\/strong><\/span>\u00a0<a title=\\\"Fund Transfer Scams - Case 1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Fund_Transfer_Scams_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes26]\\\">Case 1<\/a>\u00a0<img src=\\\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\\\" \/><\/li><\/ol><p><strong>Automated Teller Machine (ATM)<\/strong><\/p><ol><li><a title=\\\"Case 1 - Non Dispensation of Cash - Customer Left the ATM Without Waiting for the Cash to be Dispensed\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Non_Dispensation_of_Cash_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes27]\\\">Case 1 - Non Dispensation of Cash\u00a0<\/a><\/li><li><a title=\\\"Case 2 - Non Dispensation of Cash - CCTV Not Strategically Positioned \\\" href=\\\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Non_Dispensation_of_Cash_Case_2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes27]\\\">Case 2 - Non Dispensation of Cash<\/a><\/li><li><a title=\\\"Case 3 - ATM - Alleged Unauthorised withdrawal - Card \/ PIN Compromised\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Alleged_Unauthorised_withdrawal?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes27]\\\">Case 3 - Alleged Unauthorised Withdrawal<\/a><\/li><\/ol><p><strong>Chargeback<\/strong><\/p><ol><li><span style=\\\"text-decoration: underline\\\"><a title=\\\"Chargeback against a transaction made at the merchant\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Refund_of_transaction?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes28]\\\">Refund of transaction<\/a><\/span><\/li><\/ol>\"}},{\"@type\":\"Question\",\"name\":\"Insurance and Takaful\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><strong>Motor<\/strong><\/p><ol><li><span style=\\\"text-decoration: underline\\\"><strong>Delay in notifying the Insurer:<\/strong><\/span><a title=\\\"Takaful Motor - Late Notification\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Stolen_Vehicle_reported_after_4_weeks?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Stolen Vehicle reported after 4 weeks<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Delay in Lodging Police Report:<\/strong><\/span><a title=\\\"Motor - Delay in Lodging Police Report\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Stolen_Vehicle_notified_after_9_days?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Stolen Vehicle notified after 9 days<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause:<\/strong><\/span><a title=\\\"Takaful Motor \u2013 Exception\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Criminal_Activity?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Criminal Activity<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause : Criminal Breach of Trust (CBT)<\/strong><\/span><br \/><a title=\\\"Exclusion - Criminal Breach of Trust &amp; Limitation as to use - Vehicle for private use was rented out with consent and lost.\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_Clause_%E2%80%93_Criminal_Breach_of_Trust_and_Limitation_as_to_use?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Takaful Motor - Criminal Breach of Trust\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Takaful_Motor_-_Criminal_Breach_of_Trust?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 2<\/a><\/li><li><a title=\\\"Motor - Dispute on Application of Average Clause\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Application_of_Average_Clause?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Application of Average Clause<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Failure to take reasonable precaution:<\/strong><\/span><br \/><a title=\\\"Takaful Motor - Failure to take reasonable precaution\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Unattended_vehicle_with_engine_running?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Motor - Theft of Vehicle\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_Reasonably_Precaution_Case_2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 2<\/a>\u00a0|\u00a0<a title=\\\"Key in the ignition was left in the vehicle with the presence of Insured who was asleep\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_reasonable_precaution_Case_3?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 3<\/a>\u00a0\u00a0 |\u00a0<a title=\\\"Car Stolen Afer Being Left Unattended With Engine Running\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_reasonable_precaution_Case_4?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 4<\/a><\/li><li><a title=\\\"Case 1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Total_Lost_vs_Insurer_Cost_of_Repair?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Total Loss vs Insurer Cost of Repair<\/a><\/li><li><a title=\\\"Tempered Chasis Number\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Tampered_Chassis_Number?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\"><strong>Tampered Chassis Number<\/strong><\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Non \u2013disclosure:<\/strong><\/span><a title=\\\"General Motor Non Disclosure\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Absence_of_specific_questions_in_the_Proposal_Form?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Absence of specific questions in the Proposal Form<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Compensation for Assessed Repair Time (CART):<\/strong><\/span><a title=\\\"Compensation for Assessed Repair Time\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Compensation_for_Assessed_Repair_Time?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Case 1<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Market Value:<\/strong><\/span><a title=\\\"Market Value \u2013 Registration Mistake of the Vehicle\u2019s Make and Model.\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Market_Value?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Registration Mistake of the Vehicle\u2019s Make and Model.\u00a0<\/a><img src=\\\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\\\" \/><\/li><\/ol><p><strong>Life, Family and General Medical<\/strong><\/p><ol><li><span style=\\\"text-decoration: underline\\\"><strong>Non-Disclosure: Medical history not disclosed in Proposal Form<\/strong><\/span><br \/><a title=\\\"Critical Illness Claim - Non-Disclosure\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Death Claim - Non-Disclosure\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a>\u00a0|\u00a0<a title=\\\"Claim rejected without sufficient evidence - Non-Disclosure\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_3?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 3<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Deductible:<\/strong><\/span>\u00a0<a title=\\\"Tuntutan bayaran balik ditolak atas alasan deduktibel\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Deductible_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 1<\/a><\/li><li><strong><span style=\\\"text-decoration: underline\\\">Total and Permanent Disability Claim: Definition of TPD not fulfilled<\/span><\/strong><br \/><a title=\\\"Total and Permanent Disability Claim Case1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/TPD_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Total and Permanent Disability Claim Case2\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/TPD_Case_2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a>\u00a0|\u00a0<a title=\\\"Total and Permanent Disability Claim Case3\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/TPD_Case_3?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 3<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Delay in Notifying the Insurer:<\/strong><\/span><a title=\\\"Personal Accident \u2013 Late notification\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Submission_outside_timeframe?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Submission outside timeframe<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause Accidental vs Illness:<\/strong><\/span><a title=\\\"Exclusion - Accidental vs Illness - Accidental Fall vs Myocardial Infarct\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_-_Accidental_vs_Illness_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\"><span style=\\\"text-decoration: underline\\\"><strong>\u00a0<\/strong><\/span>Case 1<\/a>\u00a0|\u00a0<a title=\\\"Case 2\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_%E2%80%93_Accidental_vs_Illness_Case_2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a>|\u00a0<a title=\\\"Exclusion - Accidental vs Illness - Accidental Death Claim\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_%E2%80%93_Accidental_vs_Illness_Case_3?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 3<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause : Illegal Activities<\/strong><\/span><br \/><a title=\\\"Claim does not fall within the ambit of Certificate\u2019s coverage\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Illegal_activities?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Adjudication by Ombudsman Life &amp; General Medical\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Expired_Licence?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2\u00a0<\/a>|\u00a0<a title=\\\"Adjudication by Ombudsman Life &amp; General Medical\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_clause_-_Riding_Without_A_Valid_Driving_License?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 3<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause:<\/strong><\/span><a title=\\\"Adjudication by Ombudsman Life &amp; General Medical\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Preventive_Medication?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Preventive Medication<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause:<\/strong><\/span><a title=\\\"Claim does not fall within the ambit of Certificate\u2019s coverage\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Pre_Existing_illness?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Pre-Existing illness<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause:<\/strong><\/span><a title=\\\"Exclusion clause - Congenital\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_clause_Congenital?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Congenital<\/a>\u00a0\u00a0<\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Investigatory Purposes:<\/strong><\/span><a title=\\\"Hospitalization - Exclusion\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Investigatory_Purposes?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Investigatory Purposes<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Terms and Conditions:<\/strong><\/span><a title=\\\"Terms and Conditions: Outpatient vs Admission\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Outpatient_vs_Admission?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Case 1<\/a>\u00a0|\u00a0<a title=\\\"Terms and Conditions: Ambiguity in the Policy\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Ambiguity_in_the_Policy_Terms_and_Conditions?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Temporary Total Disability:<\/strong><\/span><a title=\\\"Accident Claim Temporary Total Disability Claim\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Accident_Claim_Temporary_Total_Disability_Claim_Case1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Case 1<\/a>\u00a0|\u00a0<a title=\\\"Accident Claim Temporary Total Disability Claim\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Accident_Claim_Temporary_Total_Disability_Claim_Case2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Personal Accident: No Valid Driving Licence:<\/strong><\/span><a title=\\\"Personal Accident Claim Temporary Total Disability Claim\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Personal_Accident_-_Case1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Case 1\u00a0<\/a>|\u00a0<a title=\\\"Personal Accident\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Personal_Accident_-_Case2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause:<\/strong><\/span><a title=\\\"Exclusion Clause: Violation of law\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_Clause-Violation_of_law?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Violation of law<\/a><\/li><\/ol><p><strong>General Non-Motor<\/strong><\/p><ol><li><span style=\\\"text-decoration: underline\\\"><strong>Marine Cargo:<\/strong><\/span><a title=\\\"Marine Cargo: Inland Transit Claim\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Inland_Transit_Claim?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Inland Transit Claim<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Travel Insurance:<\/strong><\/span><a title=\\\"Travel Insurance: Case 1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case1?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Case 1 |<\/a><a title=\\\"Travel Insurance: Case 2\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case2?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Case 2<\/a>\u00a0|\u00a0<a title=\\\"Travel Insurance: Case 3\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case3?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">Case 3<\/a>\u00a0|\u00a0<a title=\\\"Travel Insurance: Case 4\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case4?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">Case 4<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Policy Definition:<\/strong><\/span><a title=\\\"Policy Definition: Case 1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Policy_Definition_Case_1?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Case 1<\/a>\u00a0|<a title=\\\"Policy Definition: Case 2\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Absence_of_Warranty_Details_in_the_Policy_Contract?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Case 2\u00a0<\/a><img src=\\\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\\\" \/><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Burglary:<\/strong><\/span><a title=\\\"Burglary: Outlet Robbery\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Outlet_Robbery?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Outlet Robbery<\/a><\/li><li><a title=\\\"Public Liability\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Public_Liability?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">Public Liability<\/a>\u00a0\u00a0<\/li><\/ol>\"}},{\"@type\":\"Question\",\"name\":\"Cases Referred to the Court\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ol><li><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/PRUDENTIAL%20V%20OMBUDSMAN%20&amp;%20ANOR.pdf\\\">Prudential V Ombudsman &amp; Anor<\/a><\/li><li><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/LEE%20HONG%20CHEW%20V%20HONG%20LEONG%20ASSURANCE.pdf\\\">Lee Hong Chew V Hong Leong Assurance<\/a><\/li><li><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/LOH%20SWEE%20LIANG%20V%20AMGENERAL%20INSURANCE.pdf\\\">Loh Swee Liang V AmGeneral Insurance<\/a><\/li><li><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Sukumaran%20AL%20Ramasamy_Anor%20v%20Public%20Bank%20Berhad.pdf\\\">Sukumaran AL Ramasamy &amp; Anor v Public Bank Berhad<\/a><\/li><\/ol>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a16b35 e-con-full e-flex e-con e-child\" data-id=\"1a16b35\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d179dcf elementor-widget elementor-widget-heading\" data-id=\"d179dcf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Photo Gallery<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b88373 elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"2b88373\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c84b666\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-2b88373\">\n                        <a href=\"#collapse-578f3c469e3a2c84b666\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c84b666\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c84b666\">\n                            \n                            <span class=\"ekit-accordion-title\">Launching of the Financial Ombudsman Scheme<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c84b666\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-2b88373\" data-parent=\"#accordion-69e3a2c84b666\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/en\/Photo_Gallery\">Launching of the Financial Ombudsman Scheme<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Launching of the Financial Ombudsman Scheme\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/en\/Photo_Gallery\\\">Launching of the Financial Ombudsman Scheme<\/a><\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e3c8aaf e-con-full e-flex e-con e-child\" data-id=\"e3c8aaf\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2103e17 elementor-widget elementor-widget-heading\" data-id=\"2103e17\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Independent Review Report<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70f1416 elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"70f1416\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c84cccb\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-70f1416\">\n                        <a href=\"#collapse-578f3c469e3a2c84cccb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c84cccb\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c84cccb\">\n                            \n                            <span class=\"ekit-accordion-title\">2019 Report<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c84cccb\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-70f1416\" data-parent=\"#accordion-69e3a2c84cccb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/2019_CRK_OFS_Report.pdf\">2019 Report<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-70f1416\">\n                        <a href=\"#collapse-9d1ae3a69e3a2c84cccb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-9d1ae3a69e3a2c84cccb\" aria-expanded=\"false\" aria-controls=\"Collapse-9d1ae3a69e3a2c84cccb\">\n                            \n                            <span class=\"ekit-accordion-title\">Board&#039;s Response<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-9d1ae3a69e3a2c84cccb\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-70f1416\" data-parent=\"#accordion-69e3a2c84cccb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/Boards-response.pdf\">Board's Response<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"2019 Report\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/2019_CRK_OFS_Report.pdf\\\">2019 Report<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"Board&#039;s Response\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Boards-response.pdf\\\">Board's Response<\/a><\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div><div class=\"tab-content tab-6d71e71 \"><style>.elementor-3970 .elementor-element.elementor-element-4f8c1bf{padding:20px 0px 100px 0px;}.elementor-3970 .elementor-element.elementor-element-e204490{--display:flex;--gap:24px 24px;--row-gap:24px;--column-gap:24px;--border-radius:24px 24px 24px 24px;--padding-top:0px;--padding-bottom:50px;--padding-left:0px;--padding-right:0px;}.elementor-3970 .elementor-element.elementor-element-2620e18{text-align:left;}.elementor-3970 .elementor-element.elementor-element-2620e18 .elementor-heading-title{font-family:\"Manrope\", Sans-serif;font-size:35px;font-weight:700;text-transform:none;font-style:normal;line-height:1.2em;letter-spacing:-0.4px;color:var( --e-global-color-99fd376 );}.elementor-3970 .elementor-element.elementor-element-0b9ee49 .elementskit-accordion.accoedion-primary .elementskit-card .elementskit-card-header>.elementskit-btn-link[aria-expanded=\"true\"], .elementor-3970 .elementor-element.elementor-element-0b9ee49 .elementskit-accordion .elementskit-card-header>.elementskit-btn-link[aria-expanded=true], .elementor-3970 .elementor-element.elementor-element-0b9ee49 .elementskit-accordion.floating-style .elementskit-card .elementskit-btn-link[aria-expanded=\"true\"]{background-color:var( --e-global-color-8437f0c );}.elementor-3970 .elementor-element.elementor-element-0b9ee49 .elementskit-accordion .elementskit-card-header>.elementskit-btn-link{background-color:var( --e-global-color-8437f0c );font-family:var( 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.elementor-heading-title{font-size:32px;}.elementor-3970 .elementor-element.elementor-element-c963c60 .elementskit-accordion .elementskit-card-header>.elementskit-btn-link{font-size:var( --e-global-typography-d9f56ad-font-size );line-height:var( --e-global-typography-d9f56ad-line-height );letter-spacing:var( --e-global-typography-d9f56ad-letter-spacing );}.elementor-3970 .elementor-element.elementor-element-c963c60 .elementskit-accordion .elementskit-card-body p, .elementor-3970 .elementor-element.elementor-element-c963c60 .elementskit-accordion .elementskit-card-body{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );letter-spacing:var( --e-global-typography-text-letter-spacing );}.elementor-3970 .elementor-element.elementor-element-c963c60 .elementskit-accordion .elementskit-card-body{padding:1em 1em 1em 1em;}}\/* Start custom CSS for elementskit-accordion, class: .elementor-element-0b9ee49 *\/.elementskit-accordion .collapse {\n    display: none !important;\n}\n.elementskit-accordion .elementskit-card.active .collapse {\n    display: block !important;\n}\/* End custom CSS *\/\n\/* Start custom CSS for elementskit-accordion, class: .elementor-element-13bb652 *\/.elementor-toggle .elementor-tab-content {\n    display: none !important;\n}\/* End custom CSS *\/\n\/* Start custom CSS for elementskit-accordion, class: .elementor-element-c963c60 *\/.elementor-toggle .elementor-tab-content {\n    display: none !important;\n}\/* End custom CSS *\/<\/style>\t\t<div data-elementor-type=\"section\" data-elementor-id=\"3970\" class=\"elementor elementor-3970\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f8c1bf elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"4f8c1bf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f00bca\" data-id=\"2f00bca\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e204490 e-con-full e-flex e-con e-child\" data-id=\"e204490\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2620e18 elementor-widget elementor-widget-heading\" data-id=\"2620e18\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Annual Report<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b9ee49 elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"0b9ee49\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c86d6ae\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-0b9ee49\">\n                        <a href=\"#collapse-578f3c469e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c86d6ae\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2023<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c86d6ae\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/03\/SIDREC-Annual-Report-2023.pdf\">SIDREC Annual Report 2023<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-0b9ee49\">\n                        <a href=\"#collapse-68a3bf669e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-68a3bf669e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-68a3bf669e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2022<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-68a3bf669e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2023\/03\/SIDREC-Annual-Report-2022.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2022<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-0b9ee49\">\n                        <a href=\"#collapse-fc0e21969e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-fc0e21969e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-fc0e21969e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2021<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-fc0e21969e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2022\/03\/SIDREC-Annual-Report-2021.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2021<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-0b9ee49\">\n                        <a href=\"#collapse-eaaa7cf69e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-eaaa7cf69e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-eaaa7cf69e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2020<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-eaaa7cf69e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2021\/03\/SIDREC-Annual-Report-2020-Digital.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2020<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-0b9ee49\">\n                        <a href=\"#collapse-88ef93369e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-88ef93369e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-88ef93369e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2019<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-88ef93369e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/03\/SIDREC-AR-Digital-2019.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2019<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-0b9ee49\">\n                        <a href=\"#collapse-92c9b1e69e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-92c9b1e69e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-92c9b1e69e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2018<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-92c9b1e69e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC-AR-2018-Digital.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2018<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-0b9ee49\">\n                        <a href=\"#collapse-bb0cc9469e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bb0cc9469e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-bb0cc9469e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2017<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bb0cc9469e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-6-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC-Annual-Report-2017.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2017<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-0b9ee49\">\n                        <a href=\"#collapse-a9eb27069e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a9eb27069e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-a9eb27069e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2016<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a9eb27069e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-7-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC-Annual-Report-2016.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2016<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-0b9ee49\">\n                        <a href=\"#collapse-7cac28d69e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7cac28d69e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-7cac28d69e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2015<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7cac28d69e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-8-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC-Annual-Report-2015.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2015<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-0b9ee49\">\n                        <a href=\"#collapse-b6c8bcc69e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-b6c8bcc69e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-b6c8bcc69e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2014<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-b6c8bcc69e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-9-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC_AD_2014-V2-3.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2014<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-10-0b9ee49\">\n                        <a href=\"#collapse-3c4931e69e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3c4931e69e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-3c4931e69e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2013<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3c4931e69e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-10-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/FInal-SIDREC-Mid-res.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2013<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-11-0b9ee49\">\n                        <a href=\"#collapse-97feee369e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-97feee369e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-97feee369e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2012<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-97feee369e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-11-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC_web.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2012<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-12-0b9ee49\">\n                        <a href=\"#collapse-14913b769e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-14913b769e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-14913b769e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2011<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-14913b769e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-12-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/AR2011finalV02.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2011<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-048614b e-con-full e-flex e-con e-child\" data-id=\"048614b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15f73b2 elementor-widget elementor-widget-heading\" data-id=\"15f73b2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Media<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98319fb elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"98319fb\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c870208\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-98319fb\">\n                        <a href=\"#collapse-578f3c469e3a2c870208\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c870208\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c870208\">\n                            \n                            <span class=\"ekit-accordion-title\"> Press Release<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c870208\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-98319fb\" data-parent=\"#accordion-69e3a2c870208\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-element elementor-element-c141520 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6 class=\"elementor-heading-title elementor-size-default\">2023<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-374f842 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"normal-list\"><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2023\/03\/Media-Statement-SIDREC-AR2022.pdf\">27 March 2023 \u2013 SIDREC\u2019s Dispute Resolution Services Gain Traction as Investor Awareness Grows<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-84287b5 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2022<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-a45ac15 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"normal-list\"><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/03\/Media-Statement-SIDREC-AR2021.pdf\">29 March 2022 \u2013 SIDREC continues to resolve capital market-related monetary disputes despite the pandemic (English)<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/03\/Siaran-Akhbar-SIDREC-AR2021.pdf\">29 March 2022 \u2013 SIDREC terus tekad menyelesaikan pertikaian kewangan berkaitan pasaran modal dalam pandemik (Bahasa Malaysia)<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-596b108 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2019<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-5cc085a elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"normal-list\"><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/2019-12-05-Media-Release-Sharmila-Sharma.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">5 Dec 2019 \u2013 SIDREC Appoints New CEO<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/2019-06-21-SIDREC-MR-SIDREC-CSR-with-KDU-English.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">13 Jun 2019 \u2013 Taking CSR to Another Level (English)<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/2019-06-17-SIDREC-MR-Mandarin.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">13 Jun 2019 \u2013 Taking CSR to Another Level (Mandarin)<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-178bab2 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2018<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-d080cd8 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"normal-list\"><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/2018-04-16-Media-Release_SIDREC-expands-purview-can-handle-claims-above-RM250000.pdf\" target=\"_blank\" rel=\"noopener\">16 Apr 2018 \u2013 SIDREC Expands Purview, Can Now Handle Claims Above RM250,000<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/2018-04-16-Siaran-Media_SIDREC-perluas-bidang-kuasa-boleh-kendali-tuntutan-melebihi-RM250000.pdf\" target=\"_blank\" rel=\"noopener\">16 Apr 2018 \u2013 SIDREC Perluas Bidang Kuasa, Mampu Kendali Tuntutan Melebihi RM250,000<\/a><\/li><\/ul><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-98319fb\">\n                        <a href=\"#collapse-487e8f169e3a2c870208\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-487e8f169e3a2c870208\" aria-expanded=\"false\" aria-controls=\"Collapse-487e8f169e3a2c870208\">\n                            \n                            <span class=\"ekit-accordion-title\">Radio Broadcast<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-487e8f169e3a2c870208\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-98319fb\" data-parent=\"#accordion-69e3a2c870208\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-element elementor-element-3af7528 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6 class=\"elementor-heading-title elementor-size-default\">BFM 89.9: SIDREC Chairman\u2019s interview for Ringgit &amp; Sense on the BFM Morning Run<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-10df485 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/09\/Part-1-SIDREC-Background.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 1: SIDREC background<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/09\/Part-2-Misconception-regarding-SIDREC-and-how-SIDREC-handling-cases.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 2: Misconception regarding SIDREC and how SIDREC handling cases<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/09\/Part-3-How-SIDREC-Conducts-Case-Management.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 3: How SIDREC conducts case management<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/09\/Part-4-Capital-Market-Possible-Disputes-Scenarios.mp3\" target=\"_blank\" rel=\"noopener\">Part 4: Capital market possible disputes scenarios<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-7a468c6 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">BFM 89.9: The Marketplace Radio Interviews<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-4c4fc5b elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/1-Free-fair-help-for-investors.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 1: Free &amp; fair help for investors<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/2-Why-disputes-happen.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 2: Why disputes happen<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/3-How-SIDREC-deals-with-disputes.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 3: How SIDREC deals with disputes<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/4-Understand-fintech-to-avoid-problems.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 4: Understand Fintech to avoid problems<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/5-Paper-trail-other-tips-to-avoid-disputes.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 5: Paper trail &amp; other tips to avoid disputes<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/6-Know-your-risk-profile-investment.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 6: Know your risk profile &amp; investment<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-591a745 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">LITE.FM<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-7d56e0d elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/101218-SIDREC-LITE-Time-Limit-to-Complaint.wav\" target=\"_blank\" rel=\"noopener noreferrer\">How long does it take to resolve a case?<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/101218-SIDREC-LITE-Case-Duration.wav\" target=\"_blank\" rel=\"noopener noreferrer\">Is there a time limit for making a complaint to SIDREC?<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-b806fb8 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">Melody FM<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-752b285 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/youtu.be\/nBwXNKgAzds\" target=\"_blank\" rel=\"noopener\">Do You Understand SIDREC\u2019s Dispute Resolution Process?<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-7ad4fa4 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">CityPlus FM106<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-eb4364e elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"http:\/\/cityplusfm.my\/%E4%BB%96%E4%B8%8D%E5%B0%8F%E5%BF%83%E5%8D%96%E6%8E%89%E6%88%91%E7%9A%84%E8%82%A1%E7%A5%A8\/\">He Accidentally Sold My Shares!<\/a><\/li><\/ul><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-98319fb\">\n                        <a href=\"#collapse-fb0ae5d69e3a2c870208\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-fb0ae5d69e3a2c870208\" aria-expanded=\"false\" aria-controls=\"Collapse-fb0ae5d69e3a2c870208\">\n                            \n                            <span class=\"ekit-accordion-title\"> Radio Advertisements<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-fb0ae5d69e3a2c870208\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-98319fb\" data-parent=\"#accordion-69e3a2c870208\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-element elementor-element-b8a8857 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6 class=\"elementor-heading-title elementor-size-default\">2018<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-d540c81 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li>Astro: Call SIDREC<br \/>(<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2018-Call-SIDREC-English.mp3\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2018-Call-SIDREC-Malay.mp3\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2018-Call-SIDREC-Mandarin.mp3\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2018-Call-SIDREC-Tamil.mp3\">Tamil<\/a>)<\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-67e1b0e elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2017<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-6c93bb9 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2017-Call-SIDREC-English.mp3\">Call SIDREC<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2017-Dispute-Resolution-Before-SIDREC-English.mp3\">Dispute Resolution Before SIDREC<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-133ae5a elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2016<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-66d4157 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li>Go to SIDREC<br \/>(<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-Go-to-SIDREC-English.mp3\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-Go-to-SIDREC-Malay.mp3\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-Go-to-SIDREC-Mandarin.mp3\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-Go-to-SIDREC-Tamil.mp3\">Tamil<\/a>)<\/li><li>No Sure Thing<br \/>(<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-SIDREC-No-Sure-Thing-English.mp3\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-SIDREC-No-Sure-Thing-Malay.mp3\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-SIDREC-No-Sure-Thing-Mandarin.mp3\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-SIDREC-No-Sure-Thing-Tamil.mp3\">Tamil<\/a>)<\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-64894ac elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2014<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-f542970 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2014-SIDREC-BFM-01.mp3\">BFM 1<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2014-SIDREC-BFM-02.mp3\">BFM 2<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-e3d1dc3 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2013<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-8b48f41 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2013-SIDREC-BFM-01.mp3\">BFM 1<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2013-SIDREC-BFM-02.mp3\">BFM 2<\/a><\/li><\/ul><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-98319fb\">\n                        <a href=\"#collapse-86a922669e3a2c870208\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-86a922669e3a2c870208\" aria-expanded=\"false\" aria-controls=\"Collapse-86a922669e3a2c870208\">\n                            \n                            <span class=\"ekit-accordion-title\">Video Broadcast<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-86a922669e3a2c870208\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-98319fb\" data-parent=\"#accordion-69e3a2c870208\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-element elementor-element-47008ea elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6 class=\"elementor-heading-title elementor-size-default\">Money Money Home<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-1233ec7 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/www.youtube.com\/embed\/g2-gFK6V0U4?rel=0\" target=\"_blank\" rel=\"noopener noreferrer\">Money Money Home Part 1<\/a><\/li><li><a href=\"https:\/\/www.youtube.com\/embed\/fA-IX1HGjAA?rel=0\" target=\"_blank\" rel=\"noopener noreferrer\">Money Money Home Part 2<\/a><\/li><\/ul><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-98319fb\">\n                        <a href=\"#collapse-85b39bf69e3a2c870208\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-85b39bf69e3a2c870208\" aria-expanded=\"false\" aria-controls=\"Collapse-85b39bf69e3a2c870208\">\n                            \n                            <span class=\"ekit-accordion-title\">Print Media<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-85b39bf69e3a2c870208\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-98319fb\" data-parent=\"#accordion-69e3a2c870208\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-container elementor-column-gap-no\"><div class=\"elementor-row\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b465bdf\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-cc412ea elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6 class=\"elementor-heading-title elementor-size-default\">2024<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-4273a9c elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>22 July 2024<\/td><td>The Malaysian Reserve<\/td><td><a href=\"https:\/\/themalaysianreserve.com\/2024\/07\/19\/mof-bnm-sc-to-establish-integrated-dispute-resolution-scheme-in-2025\/\" target=\"_blank\" rel=\"nofollow noopener\">MOF: BNM, SC to establish integrated dispute resolution scheme in 2025<\/a><\/td><\/tr><tr><td>19 July 2024<\/td><td>The Star<\/td><td><a href=\"https:\/\/www.thestar.com.my\/business\/business-news\/2024\/07\/19\/bank-negara-sc-to-establish-integrated-dispute-resolution-scheme-in-2025---mof\" target=\"_blank\" rel=\"nofollow noopener\">Bank Negara, SC to establish integrated dispute resolution scheme in 2025 - MoF<\/a><\/td><\/tr><tr><td>19 July 2024<\/td><td>The Edge Malaysia<\/td><td><a href=\"https:\/\/theedgemalaysia.com\/node\/719588\" target=\"_blank\" rel=\"nofollow noopener\">BNM, SC to establish integrated dispute resolution scheme in 2025<\/a><\/td><\/tr><tr><td>18 July 2024<\/td><td>BERNAMA<\/td><td><a href=\"https:\/\/www.bernama.com\/en\/news.php?id=2319384\" target=\"_blank\" rel=\"nofollow noopener\">BNM, SC TO ESTABLISH INTEGRATED DISPUTE RESOLUTION SCHEME IN 2025 - MOF<\/a><\/td><\/tr><tr><td>8 May 2024<\/td><td>BERNAMA<\/td><td><a href=\"https:\/\/www.bernama.com\/en\/business\/news.php?id=2295435\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC: NUMBER OF CLAIMS, ENQUIRIES RECEIVED UP 11 PCT TO 266 IN 2023<\/a><\/td><\/tr><tr><td>8 May 2024<\/td><td>The Star<\/td><td><a href=\"https:\/\/www.thestar.com.my\/business\/business-news\/2024\/05\/08\/sidrec-number-of-claims-enquiries-received-up-11-to-266-in-2023\" target=\"_blank\" rel=\"nofollow noopener\">Sidrec: Number of claims, enquiries received up 11% to 266 in 2023<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-287a5f7 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2023<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-7cacb11 elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>28 March 2023<\/td><td>StarBiz<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2023\/03\/StarBiz-SIDREC-gets-239-claims-and-enquiries-in-2022.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Sidrec gets 239 claims and enquiries in 2022<\/a><\/td><\/tr><tr><td>27 March 2023<\/td><td>BuletinTV3<\/td><td><a href=\"https:\/\/www.buletintv3.my\/detik-niaga\/laporan-sc-usaha-lindungi-pelabur-dengan-pendekatan-menyeluruh-pelbagai-hala-diteruskan\/\" target=\"_blank\" rel=\"nofollow noopener\">Laporan SC: Usaha lindungi pelabur dengan pendekatan menyeluruh pelbagai hala diteruskan<\/a><\/td><\/tr><tr><td>27 March 2023<\/td><td>BERNAMA<\/td><td><a href=\"https:\/\/www.bernama.com\/en\/business\/news.php?id=2176524\" target=\"_blank\" rel=\"nofollow noopener\">SC CONTINUE EFFORT IN PROTECTING INVESTORS WITH HOLISTIC MULTI-PRONGED APPROACH<\/a><\/td><\/tr><tr><td>27 March 2023<\/td><td>Business Today<\/td><td><a href=\"https:\/\/www.businesstoday.com.my\/2023\/03\/27\/sidrec-provides-options-for-investors-to-settle-monetary-disputes\/\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Provides Options For Investors To Settle Monetary Disputes<\/a><\/td><\/tr><tr><td>27 March 2023<\/td><td>MalayMail<\/td><td><a href=\"https:\/\/www.malaymail.com\/news\/malaysia\/2023\/03\/27\/sidrec-provides-alternative-dispute-resolution-services-for-investors\/61782\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC provides alternative dispute resolution services for investors<\/a><\/td><\/tr><tr><td>27 March 2023<\/td><td>BERNAMA<\/td><td><a href=\"https:\/\/www.bernama.com\/v2\/en\/business\/news.php?id=2176654#:~:text=SIDREC%20PROVIDES%20ALTERNATIVE%20DISPUTE%20RESOLUTION%20SERVICES%20FOR%20INVESTORS,-AddThis%20Sharing%20Buttons&amp;text=KUALA%20LUMPUR%2C%20March%2027%20(Bernama,Dispute%20Resolution%20Centre%20(SIDREC).\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC PROVIDES ALTERNATIVE DISPUTE RESOLUTION SERVICES FOR INVESTORS<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-c28952d elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2022<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-e70e328 elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>7 November 2022<\/td><td>The Edge Market<\/td><td><a href=\"https:\/\/www.theedgemarkets.com\/article\/intheknow-what-consumer-credit-act\" target=\"_blank\" rel=\"nofollow noopener\">InTheKnow: What is the Consumer Credit Act?<\/a><\/td><\/tr><tr><td>5 November 2022<\/td><td>Ipoh Echo<\/td><td><a href=\"https:\/\/www.ipohecho.com.my\/2022\/11\/04\/sidrec-resolution-of-consumer-financial-disputes-outside-the-courtroom\/\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC: Resolution of Consumer Financial Disputes Outside the Courtroom<\/a><\/td><\/tr><tr><td>27 June 2022<\/td><td>The Edge Market<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/06\/CEOs-Interview-with-The-Edge.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Sidrec saw spike in investor complaints in 2020 amid retail boom<\/a><\/td><\/tr><tr><td>27 May 2022<\/td><td>Ringgit | Rakan Kewangan Anda<\/td><td><a href=\"https:\/\/www.virtualpaper.pro\/index.php?route=mag\/article&amp;tracking=Ringgit002&amp;a_id=1086\" target=\"_blank\" rel=\"nofollow noopener\">Penyelesaian Pertikaian Kewangan Alternatif Dan Tabiat Bijak Dalam Pelaburan<\/a><\/td><\/tr><tr><td>13 April 2022<\/td><td>New Straits Times<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/04\/2022-04-13-Protection-for-Investors.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Protection for investors<\/a><\/td><\/tr><tr><td>30 March 2022<\/td><td>The Sun<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/03\/The-Sun-Mediation-gains-ground.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Mediation gains ground as avenue for resolving disputes<\/a><\/td><\/tr><tr><td>30 March 2022<\/td><td>The Sun Daily<\/td><td><a href=\"https:\/\/www.thesundaily.my\/home\/sidrec-mediation-gains-ground-as-alternative-way-to-resolve-disputes-CY9010567\" target=\"_blank\" rel=\"nofollow noopener\">Sidrec: Mediation gains ground as alternative way to resolve disputes<\/a><\/td><\/tr><tr><td>30 March 2022<\/td><td>The Star<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/03\/2022-03-30-SIDRECs-articles-in-STARBIZ.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Sidrec: High number of disputes settled out of court<\/a><\/td><\/tr><tr><td>27 March 2022<\/td><td>The Star<\/td><td><a href=\"https:\/\/www.thestar.com.my\/news\/nation\/2022\/03\/27\/money-lessons-to-avoid-financial-regrets-in-old-age\" target=\"_blank\" rel=\"nofollow noopener\">Money lessons to avoid financial regrets in old age<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-ea82fa6 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2020-2021<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-e35ce7e elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>14 June 2021<\/td><td>Utusan Malaysia<\/td><td><a href=\"https:\/\/www.utusan.com.my\/ekonomi\/2021\/06\/urus-pertikaian-pasaran-modal-secara-mediasi\/\" target=\"_blank\" rel=\"nofollow noopener\">Urus Pertikaian Pasaran Modal Secara Mediasi<\/a><\/td><\/tr><tr><td>18 March 2021<\/td><td>The Edge Markets<\/td><td><a href=\"https:\/\/www.theedgemarkets.com\/article\/investor-complaints-enquiries-jumped-70-2020-%E2%80%94-sc\" target=\"_blank\" rel=\"nofollow noopener\">Investor complaints, enquiries jumped 70% in 2020 \u2014 SC<\/a><\/td><\/tr><tr><td>21 December 2020<\/td><td>Nanyang Siang Pau<\/td><td><a href=\"https:\/\/enanyang.my\/node\/373686\" target=\"_blank\" rel=\"nofollow noopener\">Digital Investment Disputes and Resolution<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-f65eeb8 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2019<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-5187002 elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>09 December 2019<\/td><td>The Malaysian Reserve<\/td><td><a href=\"https:\/\/themalaysianreserve.com\/2019\/12\/09\/sidrec-appoints-new-ceo\/\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Appoints New CEO<\/a><\/td><\/tr><tr><td>11 September 2019<\/td><td>Sin Chew Jit Poh (KL)<\/td><td><a href=\"https:\/\/www.sinchew.com.my\/content\/content_2114166.html?fbclid=IwAR19LYP35uJFoPGFxguebRlgNxhijCLZA7_LGuL1FkgpNCJGj9zEpBSe47w\" target=\"_blank\" rel=\"nofollow noopener\">More Than 400 Disputes and Enquiries in 2018<\/a><\/td><\/tr><tr><td>13 July 2019<\/td><td>China Press<\/td><td><a href=\"https:\/\/www.chinapress.com.my\/?p=1631855\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC CEO Overcomes Challenges to Go Forward<\/a><\/td><\/tr><tr><td>26 June 2019<\/td><td>Nanyang Siang Pau<\/td><td><a href=\"https:\/\/www.enanyang.my\/news\/20190626\/%E5%85%A8%E9%A9%AC%E9%A6%96%E4%B8%AA%E8%B4%A2%E5%8A%A1csr%E8%AF%BE%E7%A8%8Bbr%E4%BC%A0%E6%8E%88%E9%87%91%E8%9E%8D%E5%8F%8A%E6%8A%95%E8%B5%84%E7%9F%A5%E8%AF%86\" target=\"_blank\" rel=\"nofollow noopener\">Malaysia\u2019s First Investment Literacy CSR Programme<\/a><\/td><\/tr><tr><td>15 June 2019<\/td><td>Daily Express<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Daily-Express.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Towards Smart Investing<\/a><\/td><\/tr><tr><td>13 June 2019<\/td><td>See Hua Daily News<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/See-Hua-Daily-News.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Engaging with Rotary Clubs and the KKCCCI to Promote ADR<\/a><\/td><\/tr><tr><td>13 June 2019<\/td><td>Sin Chew Jit Poh (Sabah)<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Sin-Chew-jit-Poh-Sabah.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC to Promote ADR in Conjunction with Bersama InvestSmart @ Borneo<\/a><\/td><\/tr><tr><td>12 June 2019<\/td><td>Asia Times<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Asia-Times.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC to Promote ADR in Sabah<\/a><\/td><\/tr><tr><td>12 June 2019<\/td><td>Overseas Chinese Daily<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Overseas-Chinese-Daily.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Seeking Tie-Ups with the KKCCCI to Promote ADR<\/a><\/td><\/tr><tr><td>12 June 2019<\/td><td>China Press<\/td><td><a href=\"https:\/\/www.chinapress.com.my\/20190611\/%E5%9B%BD%E4%BA%BA%E8%B4%AA%E6%96%B9%E4%BE%BF%E6%83%B9%E7%A5%B8-%E4%B9%B1%E9%80%8F%E9%9C%B2%E5%AF%86%E7%A0%81-%E5%BC%95%E6%8A%95%E8%B5%84%E7%BA%A0%E7%BA%B7\/\" target=\"_blank\" rel=\"nofollow noopener\">Don\u2019t Give Away Online Passwords<\/a><\/td><\/tr><tr><td>07 May 2019<\/td><td>The Malaysian Reserve<\/td><td><a href=\"https:\/\/themalaysianreserve.com\/2019\/05\/07\/sidrec-may-have-got-its-formula-right\/\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC May Have Got Its Formula Right<\/a><\/td><\/tr><tr><td>16 April 2019<\/td><td>Nanyang Siang Pau<\/td><td><a href=\"https:\/\/www.enanyang.my\/news\/20190416\/%E3%80%90%E7%8B%AC%E5%AE%B6%E3%80%91%E8%AF%81%E5%88%B8%E4%B8%9A%E4%BA%89%E8%AE%AE%E8%A7%A3%E5%86%B3%E4%B8%AD%E5%BF%83%E4%B8%8B%E7%AF%87%E2%97%8F%E5%AE%8C-%E8%B4%AA%E6%96%B9%E4%BE%BF%E5%A4%AA%E4%BF%A1\/\" target=\"_blank\" rel=\"nofollow noopener\">Five Pitfalls of which Retail Investors Need to Be Aware<\/a><\/td><\/tr><tr><td>15 April 2019<\/td><td>Nanyang Siang Pau<\/td><td><a href=\"https:\/\/www.enanyang.my\/news\/20190415\/%E3%80%90%E7%8B%AC%E5%AE%B6%E3%80%91%E4%B8%93%E5%8F%B8%E6%8A%95%E8%AF%89%E7%B4%A2%E8%B5%94%E4%BF%9D%E6%9D%83%E7%9B%8A-sidrec%E8%B0%83%E8%A7%A3%E6%8A%95%E8%B5%84%E4%BA%89%E8%AE%AE\/\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Provides Solutions for Investment Disputes<\/a><\/td><\/tr><tr><td>05 January 2019<\/td><td>Focus Malaysia<\/td><td><a href=\"https:\/\/sidrec.com.my\/ombudsman-malaysia-to-boost-transparency-accountability\/\" target=\"_blank\" rel=\"nofollow noopener\">Ombudsman Malaysia to Boost Transparency, Accountability<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-da18f0d elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2018<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-cfc8493 elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>18 December 2018<\/td><td>The Malaysian Reserve<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/181218-The-Malaysian-Reserve.pdf\" target=\"_blank\" rel=\"nofollow noopener\">We've Come A Long Way<\/a><\/td><\/tr><tr><td>09 December 2018<\/td><td>New Sunday Times<\/td><td><a href=\"https:\/\/www.nst.com.my\/lifestyle\/sunday-vibes\/2018\/11\/435650\/money-thoughts-dont-panic-sidrec-has-your-back\" target=\"_blank\" rel=\"nofollow noopener\">Don\u2019t Panic, SIDREC Has Your Back<\/a><\/td><\/tr><tr><td>26 November 2018<\/td><td>New Sunday Times<\/td><td><a href=\"https:\/\/www.nst.com.my\/lifestyle\/sunday-vibes\/2018\/11\/432400\/money-thoughts-can-anyone-help-me\" target=\"_blank\" rel=\"nofollow noopener\">Can Anyone Help Me?<\/a><\/td><\/tr><tr><td>18 June 2018<\/td><td>Smart Investor<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/SIDREC-10-13%E2%80%A2SI-June18.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Do You have a Problem with Your Broker?<\/a><\/td><\/tr><tr><td>22 April 2018<\/td><td>Sin Chew Jit Poh<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Sin-Chew-22.4.18-SIDREC.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC: Providing Fair and Professional Dispute Resolution Service<\/a><\/td><\/tr><tr><td>18 April 2018<\/td><td>New Straits Times<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/NST-18.4.18-SIDREC-expands-purview-can-handle-claims-above-RM250000.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Expands Purview, Can Handle Claims Above RM250,000<\/a><\/td><\/tr><tr><td>18 April 2018<\/td><td>The Star<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/The-Star-18.4.18-SIDREC-expands-purview-to-hear-claims-newspaper.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Expands Purview to Hear Claims<\/a><\/td><\/tr><tr><td>17 April 2018<\/td><td>Oriental Daily News<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Oriental-Daily-News-17.4.18-SIDREC-can-now-handle-disputes-relating-to-claims-above-RM250000.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Can Now Handle Disputes Relating to Claims Above RM250,000<\/a><\/td><\/tr><tr><td>16 April 2018<\/td><td>The Edge Markets<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/The-Edge-Markets.com-16.4.18-SIDREC-can-now-handle-disputes-relating-to-claims-above-RM250000.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Can Now Handle Disputes Relating to Claims Above RM250,000<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-1f87e75 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2011-2017<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-98477b1 elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>21 July 2017<\/td><td>The Sun<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2017-07-21-The-Sun-SIDREC-to-Resolve-Investment-Disputes.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC to Resolve Investment Disputes<\/a><\/td><\/tr><tr><td>22 April 2017<\/td><td>Focus Malaysia<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2017-04-22-FocusM-In-Pursuit-of-ADR.pdf\" target=\"_blank\" rel=\"nofollow noopener\">In Pursuit of Alternative Dispute Resolution<\/a><\/td><\/tr><tr><td>21 April 2017<\/td><td>Focus Malaysia<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2017-04-22-FocusM-Beware-the-Scammers.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Beware the Scammers<\/a><\/td><\/tr><tr><td>26 November 2016<\/td><td>Focus Malaysia<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-11-26-FocusM-Finding-Amicable-Solutions-to-Market-Disputes-v2.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Finding Amicable Solutions to Market Disputes<\/a><\/td><\/tr><tr><td>19 November 2016<\/td><td>The Star<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-11-19-The-Star.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC and the Association of Banks in Malaysia First Engagement Session<\/a><\/td><\/tr><tr><td>13 November 2016<\/td><td>The Star<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-11-13-The-Star-Go-for-Win-Win.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC: We Go for Win-Win<\/a><\/td><\/tr><tr><td>28 October 2016<\/td><td>Nanyang Siang Pau<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-10-28-NYSP-Financial-Grievance-Mechanism-to-Resolve-Disputes.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Financial Grievance Mechanism to Resolve Disputes<\/a><\/td><\/tr><tr><td>06 September 2016<\/td><td>Berita Harian<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-09-06-Berita-Harian-Bank-Komersial-Islamic-Jadi-Ahli-SIDREC.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Bank Komersial Islamic Jadi Ahli SIDREC<\/a><\/td><\/tr><tr><td>30 July 2016<\/td><td>Focus Malaysia<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-07-30-FocusM-Seeking-Redress-Against-Capital-Market-Players.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Seeking Redress Against Capital Market Players<\/a><\/td><\/tr><tr><td>11 February 2015<\/td><td>New Strait Times<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2015-02-11-BT-NST-Settlling-Issues-Quickly-Impartially.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Settlling Issues Quickly Impartially<\/a><\/td><\/tr><tr><td>09 April 2013<\/td><td>The Star<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2013-04-09-The-Star-SC-to-Continue-Funding-SIDREC.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SC to Continue Funding SIDREC<\/a><\/td><\/tr><tr><td>09 April 2013<\/td><td>The Edge Market<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2013-04-09-The-Edge-SC-to-Fund-SIDREC-for-Two-More-Years.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SC to Fund SIDREC for Two More Years<\/a><\/td><\/tr><tr><td>09 April 2013<\/td><td>Berita Harian<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2013-04-09-Berita-Harian-SIDREC-Terus-Terima-Pembiayaan.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Terus Terima Pembiayaan<\/a><\/td><\/tr><tr><td>09 April 2012<\/td><td>Harian Metro<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2012-04-09-Harian-Metro-Orang-Tengah-Industri.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Orang Tengah Industri<\/a><\/td><\/tr><tr><td>02 January 2012<\/td><td>Harian Metro<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2012-01-02-Harian-Metro-SIDREC-Komited-Selesaikan-Pertikaian.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Komited Selesaikan Pertikaian<\/a><\/td><\/tr><tr><td>19 October 2011<\/td><td>Borneo Post<\/td><td><a href=\"https:\/\/www.theborneopost.com\/2011\/10\/19\/centre-gives-alternative-exit-route-in-disputes-for-m%E2%80%99sian-retail-investors\/\" target=\"_blank\" rel=\"nofollow noopener\">Centre Gives Alternative Exit Route in Disputes for M\u2019sian Retail Investors<\/a><\/td><\/tr><tr><td>09 June 2011<\/td><td>The Star<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2011-06-09-The-Star-New-Avenue-to-Settle-Claims.pdf\" target=\"_blank\" rel=\"nofollow noopener\">New Avenue to Settle Claims<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-row\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-78e74c0\"><div class=\"elementor-column-wrap\">\u00a0<\/div><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-618e6f9 e-con-full e-flex e-con e-child\" data-id=\"618e6f9\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c006110 elementor-widget elementor-widget-heading\" data-id=\"c006110\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\nDR Magazine<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13bb652 elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"13bb652\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c875199\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-13bb652\">\n                        <a href=\"#collapse-578f3c469e3a2c875199\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c875199\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c875199\">\n                            \n                            <span class=\"ekit-accordion-title\">2020<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c875199\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-13bb652\" data-parent=\"#accordion-69e3a2c875199\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-384b3a6\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-d90f929 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h4 class=\"elementor-heading-title elementor-size-default\">DR#1 2020<\/h4><\/div><\/div><div class=\"elementor-element elementor-element-a7f417f elementor-widget elementor-widget-image\"><div class=\"elementor-widget-container\"><div class=\"elementor-image\"><a href=\"https:\/\/bit.ly\/SIDREC-DR-1-2020\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\" src=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S.jpg\" sizes=\"(max-width: 600px) 100vw, 600px\" srcset=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S.jpg 600w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S-212x300.jpg 212w\" alt=\"\" width=\"600\" height=\"850\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-21dc899\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-e1ccee0 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h4>\u00a0<\/h4><h4 class=\"elementor-heading-title elementor-size-default\">DR#2 2020<\/h4><\/div><\/div><div class=\"elementor-element elementor-element-c8f42ce elementor-widget elementor-widget-image\"><div class=\"elementor-widget-container\"><div class=\"elementor-image\"><a href=\"https:\/\/bit.ly\/SIDREC-DR-2-2020\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\" src=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-724x1024.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-724x1024.jpg 724w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-212x300.jpg 212w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-768x1086.jpg 768w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-1086x1536.jpg 1086w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S.jpg 1240w\" alt=\"\" width=\"640\" height=\"905\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-85df3fe\"><div class=\"elementor-column-wrap\">\u00a0<\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-13bb652\">\n                        <a href=\"#collapse-a1d62e669e3a2c875199\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a1d62e669e3a2c875199\" aria-expanded=\"false\" aria-controls=\"Collapse-a1d62e669e3a2c875199\">\n                            \n                            <span class=\"ekit-accordion-title\">2019<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a1d62e669e3a2c875199\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-13bb652\" data-parent=\"#accordion-69e3a2c875199\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-00c0823\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-cd240d5 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h4 class=\"elementor-heading-title elementor-size-default\">DR#1 2019<\/h4><\/div><\/div><div class=\"elementor-element elementor-element-d465a58 elementor-widget elementor-widget-image\"><div class=\"elementor-widget-container\"><div class=\"elementor-image\"><a href=\"https:\/\/bit.ly\/SIDREC-DR-1-2019\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-full size-full\" src=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2.jpg\" sizes=\"(max-width: 602px) 100vw, 602px\" srcset=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2-212x300.jpg 212w\" alt=\"\" width=\"602\" height=\"852\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-a196a68\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-d1f3877 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h4>\u00a0<\/h4><h4 class=\"elementor-heading-title elementor-size-default\">DR#2 2019<\/h4><\/div><\/div><div class=\"elementor-element elementor-element-0ebe0f8 elementor-widget elementor-widget-image\"><div class=\"elementor-widget-container\"><div class=\"elementor-image\"><a href=\"https:\/\/bit.ly\/SIDREC-DR-2-2019\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-full size-full\" src=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2.jpg\" sizes=\"(max-width: 602px) 100vw, 602px\" srcset=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2-212x300.jpg 212w\" alt=\"\" width=\"602\" height=\"852\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-49c9ec3\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-edfa500 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h4>\u00a0<\/h4><h4 class=\"elementor-heading-title elementor-size-default\">DR#3 2019<\/h4><\/div><\/div><div class=\"elementor-element elementor-element-8f1cd20 elementor-widget elementor-widget-image\"><div class=\"elementor-widget-container\"><div class=\"elementor-image\"><a href=\"https:\/\/bit.ly\/SIDREC-DR-3-2019\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-full size-full\" src=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3.jpg\" sizes=\"(max-width: 602px) 100vw, 602px\" srcset=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3-212x300.jpg 212w\" alt=\"\" width=\"602\" height=\"852\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"2020\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-384b3a6\\\"><div class=\\\"elementor-column-wrap elementor-element-populated\\\"><div class=\\\"elementor-widget-wrap\\\"><div class=\\\"elementor-element elementor-element-d90f929 elementor-widget elementor-widget-heading\\\"><div class=\\\"elementor-widget-container\\\"><h4 class=\\\"elementor-heading-title elementor-size-default\\\">DR#1 2020<\/h4><\/div><\/div><div class=\\\"elementor-element elementor-element-a7f417f elementor-widget elementor-widget-image\\\"><div class=\\\"elementor-widget-container\\\"><div class=\\\"elementor-image\\\"><a href=\\\"https:\/\/bit.ly\/SIDREC-DR-1-2020\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><img class=\\\"attachment-large size-large\\\" src=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S.jpg\\\" sizes=\\\"(max-width: 600px) 100vw, 600px\\\" srcset=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S.jpg 600w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S-212x300.jpg 212w\\\" alt=\\\"\\\" width=\\\"600\\\" height=\\\"850\\\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-21dc899\\\"><div class=\\\"elementor-column-wrap elementor-element-populated\\\"><div class=\\\"elementor-widget-wrap\\\"><div class=\\\"elementor-element elementor-element-e1ccee0 elementor-widget elementor-widget-heading\\\"><div class=\\\"elementor-widget-container\\\"><h4>\u00a0<\/h4><h4 class=\\\"elementor-heading-title elementor-size-default\\\">DR#2 2020<\/h4><\/div><\/div><div class=\\\"elementor-element elementor-element-c8f42ce elementor-widget elementor-widget-image\\\"><div class=\\\"elementor-widget-container\\\"><div class=\\\"elementor-image\\\"><a href=\\\"https:\/\/bit.ly\/SIDREC-DR-2-2020\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><img class=\\\"attachment-large size-large\\\" src=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-724x1024.jpg\\\" sizes=\\\"(max-width: 640px) 100vw, 640px\\\" srcset=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-724x1024.jpg 724w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-212x300.jpg 212w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-768x1086.jpg 768w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-1086x1536.jpg 1086w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S.jpg 1240w\\\" alt=\\\"\\\" width=\\\"640\\\" height=\\\"905\\\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-85df3fe\\\"><div class=\\\"elementor-column-wrap\\\">\u00a0<\/div><\/div>\"}},{\"@type\":\"Question\",\"name\":\"2019\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-00c0823\\\"><div class=\\\"elementor-column-wrap elementor-element-populated\\\"><div class=\\\"elementor-widget-wrap\\\"><div class=\\\"elementor-element elementor-element-cd240d5 elementor-widget elementor-widget-heading\\\"><div class=\\\"elementor-widget-container\\\"><h4 class=\\\"elementor-heading-title elementor-size-default\\\">DR#1 2019<\/h4><\/div><\/div><div class=\\\"elementor-element elementor-element-d465a58 elementor-widget elementor-widget-image\\\"><div class=\\\"elementor-widget-container\\\"><div class=\\\"elementor-image\\\"><a href=\\\"https:\/\/bit.ly\/SIDREC-DR-1-2019\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><img class=\\\"attachment-full size-full\\\" src=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2.jpg\\\" sizes=\\\"(max-width: 602px) 100vw, 602px\\\" srcset=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2-212x300.jpg 212w\\\" alt=\\\"\\\" width=\\\"602\\\" height=\\\"852\\\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-a196a68\\\"><div class=\\\"elementor-column-wrap elementor-element-populated\\\"><div class=\\\"elementor-widget-wrap\\\"><div class=\\\"elementor-element elementor-element-d1f3877 elementor-widget elementor-widget-heading\\\"><div class=\\\"elementor-widget-container\\\"><h4>\u00a0<\/h4><h4 class=\\\"elementor-heading-title elementor-size-default\\\">DR#2 2019<\/h4><\/div><\/div><div class=\\\"elementor-element elementor-element-0ebe0f8 elementor-widget elementor-widget-image\\\"><div class=\\\"elementor-widget-container\\\"><div class=\\\"elementor-image\\\"><a href=\\\"https:\/\/bit.ly\/SIDREC-DR-2-2019\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><img class=\\\"attachment-full size-full\\\" src=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2.jpg\\\" sizes=\\\"(max-width: 602px) 100vw, 602px\\\" srcset=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2-212x300.jpg 212w\\\" alt=\\\"\\\" width=\\\"602\\\" height=\\\"852\\\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-49c9ec3\\\"><div class=\\\"elementor-column-wrap elementor-element-populated\\\"><div class=\\\"elementor-widget-wrap\\\"><div class=\\\"elementor-element elementor-element-edfa500 elementor-widget elementor-widget-heading\\\"><div class=\\\"elementor-widget-container\\\"><h4>\u00a0<\/h4><h4 class=\\\"elementor-heading-title elementor-size-default\\\">DR#3 2019<\/h4><\/div><\/div><div class=\\\"elementor-element elementor-element-8f1cd20 elementor-widget elementor-widget-image\\\"><div class=\\\"elementor-widget-container\\\"><div class=\\\"elementor-image\\\"><a href=\\\"https:\/\/bit.ly\/SIDREC-DR-3-2019\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><img class=\\\"attachment-full size-full\\\" src=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3.jpg\\\" sizes=\\\"(max-width: 602px) 100vw, 602px\\\" srcset=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3-212x300.jpg 212w\\\" alt=\\\"\\\" width=\\\"602\\\" height=\\\"852\\\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1bfbc8e e-con-full e-flex e-con e-child\" data-id=\"1bfbc8e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b715055 elementor-widget elementor-widget-heading\" data-id=\"b715055\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Brochures &amp; Posters<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c963c60 elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"c963c60\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c877988\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-c963c60\">\n                        <a href=\"#collapse-578f3c469e3a2c877988\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c877988\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c877988\">\n                            \n                            <span class=\"ekit-accordion-title\">For Investors<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c877988\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-c963c60\" data-parent=\"#accordion-69e3a2c877988\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>SIDREC Dispute Resolution Process Flow<br \/>(<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-English-Web-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-BM-Web-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-Chinese-Web-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-Tamil-Web-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Tamil<\/a>)<\/p><p>SIDREC Frequently Asked Questions (FAQs)<br \/>(<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-ENG-Public-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-BM-Public-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Mandarin-Public-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Tamil-Public-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Tamil<\/a>)<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-c963c60\">\n                        <a href=\"#collapse-a1d62e669e3a2c877988\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a1d62e669e3a2c877988\" aria-expanded=\"false\" aria-controls=\"Collapse-a1d62e669e3a2c877988\">\n                            \n                            <span class=\"ekit-accordion-title\">For SIDREC Members (for Print)<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a1d62e669e3a2c877988\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-c963c60\" data-parent=\"#accordion-69e3a2c877988\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>SIDREC Frequently Asked Questions (FAQs)<br \/>(<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Eng-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-BM-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Man-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Tamil-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Tamil<\/a>)<\/p><p>SIDREC Poster<br \/>(<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-BPoster-ENG-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-BPoster-BM-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Malay<\/a>)<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"For Investors\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>SIDREC Dispute Resolution Process Flow<br \/>(<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-English-Web-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">English<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-BM-Web-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Malay<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-Chinese-Web-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Mandarin<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-Tamil-Web-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Tamil<\/a>)<\/p><p>SIDREC Frequently Asked Questions (FAQs)<br \/>(<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-ENG-Public-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">English<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-BM-Public-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Malay<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Mandarin-Public-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Mandarin<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Tamil-Public-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Tamil<\/a>)<\/p>\"}},{\"@type\":\"Question\",\"name\":\"For SIDREC Members (for Print)\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>SIDREC Frequently Asked Questions (FAQs)<br \/>(<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Eng-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">English<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-BM-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Malay<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Man-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Mandarin<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Tamil-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Tamil<\/a>)<\/p><p>SIDREC Poster<br \/>(<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-BPoster-ENG-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">English<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-BPoster-BM-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Malay<\/a>)<\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4c6920 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-elementskit-simple-tab\" data-id=\"b4c6920\" data-element_type=\"widget\" data-widget_type=\"elementskit-simple-tab.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <div class=\"elementkit-tab-wraper   elementskit-fitcontent-tab \">\n            <ul class=\"nav nav-tabs elementkit-tab-nav \">\n                                    <li class=\"elementkit-nav-item elementor-repeater-item-7f8a716\">\n                        <a class=\"elementkit-nav-link  active show left-pos\" id=\"content-7f8a71669e3e1f80dd50-tab\" data-ekit-handler-id=\"ofs-resources\" data-ekit-toggle=\"tab\" data-target=\"#content-7f8a71669e3e1f80dd50\" href=\"#Content-7f8a71669e3e1f80dd50\"\n                            data-ekit-toggle-trigger=\"click\"\n                            aria-describedby=\"Content-7f8a71669e3e1f80dd50\">\n                            <div class=\"ekit-icon-image\"><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"206\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/1.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/1.png 350w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/1-300x177.png 300w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/1-18x12.png 18w\" sizes=\"(max-width: 350px) 100vw, 350px\" \/><\/div>                            <span class=\"elementskit-tab-title\"> OFS Resources<\/span>\n                        <\/a>\n                    <\/li>\n                                        <li class=\"elementkit-nav-item elementor-repeater-item-7bc467b\">\n                        <a class=\"elementkit-nav-link  left-pos\" id=\"content-7bc467b69e3e1f80dd50-tab\" data-ekit-handler-id=\"sidrec-resources\" data-ekit-toggle=\"tab\" data-target=\"#content-7bc467b69e3e1f80dd50\" href=\"#Content-7bc467b69e3e1f80dd50\"\n                            data-ekit-toggle-trigger=\"click\"\n                            aria-describedby=\"Content-7bc467b69e3e1f80dd50\">\n                            <div class=\"ekit-icon-image\"><img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"206\" src=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/2.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/2.png 350w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/2-300x177.png 300w, https:\/\/www.fmos.org.my\/wp-content\/uploads\/2025\/03\/2-18x12.png 18w\" sizes=\"(max-width: 350px) 100vw, 350px\" \/><\/div>                            <span class=\"elementskit-tab-title\"> SIDREC Resources<\/span>\n                        <\/a>\n                    <\/li>\n                                <\/ul>\n\n            <div class=\"tab-content elementkit-tab-content\">\n                                    <div class=\"tab-pane elementkit-tab-pane elementor-repeater-item-7f8a716  active show\" id=\"content-7f8a71669e3e1f80dd50\" role=\"tabpanel\"\n                         aria-labelledby=\"content-7f8a71669e3e1f80dd50-tab\">\n                        <div class=\"animated fadeIn\">\n                            <p>\t\t<div data-elementor-type=\"section\" data-elementor-id=\"3959\" class=\"elementor elementor-3959\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-67ca952 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"67ca952\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1beacb1\" data-id=\"1beacb1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15463a6 e-con-full e-flex e-con e-child\" data-id=\"15463a6\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-faab697 elementor-widget elementor-widget-heading\" data-id=\"faab697\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Video<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70037f3 elementor-widget elementor-widget-elementskit-accordion\" data-id=\"70037f3\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c8400c4\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-70037f3\">\n                        <a href=\"#collapse-578f3c469e3a2c8400c4\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c8400c4\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c8400c4\">\n                            \n                            <span class=\"ekit-accordion-title\">Corporate Video<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c8400c4\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-70037f3\" data-parent=\"#accordion-69e3a2c8400c4\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.youtube.com\/watch?v=GNPoR6RX_O4\" target=\"_blank\" rel=\"noopener\">Corporate Video<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-70037f3\">\n                        <a href=\"#collapse-487e8f169e3a2c8400c4\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-487e8f169e3a2c8400c4\" aria-expanded=\"true\" aria-controls=\"Collapse-487e8f169e3a2c8400c4\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Animated Video<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-487e8f169e3a2c8400c4\" class=\" show collapse\" aria-labelledby=\"primaryHeading-1-70037f3\" data-parent=\"#accordion-69e3a2c8400c4\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>OFS Animated Video (<a href=\"https:\/\/youtu.be\/lRlkQtn5BSw\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/youtu.be\/BhPWIEQJt10\" target=\"_blank\" rel=\"noopener\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/youtu.be\/AHVe6KEDKGI\" target=\"_blank\" rel=\"noopener\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/youtu.be\/27zSe-53_gg\" target=\"_blank\" rel=\"noopener\">Tamil<\/a>)<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac39366 e-con-full e-flex e-con e-child\" data-id=\"ac39366\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c2b062 elementor-widget elementor-widget-heading\" data-id=\"2c2b062\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pamphlet<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85bab2e elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"85bab2e\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c841a20\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-85bab2e\">\n                        <a href=\"#collapse-578f3c469e3a2c841a20\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c841a20\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c841a20\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Pamphlet<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c841a20\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-85bab2e\" data-parent=\"#accordion-69e3a2c841a20\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>OFS Pamphlet (<a href=\"https:\/\/www.fmos.org.my\/file\/files\/Brochure%20PDF%20English.pdf\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.fmos.org.my\/file\/files\/Brochure%20PDF%20BAHASA%20MELAYU.pdf\" target=\"_blank\" rel=\"noopener\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_brochure_mandarin.pdf\" target=\"_blank\" rel=\"noopener\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_brochure_Tamil.pdf\" target=\"_blank\" rel=\"noopener\">Tamil<\/a>)<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"OFS Pamphlet\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>OFS Pamphlet (<a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Brochure%20PDF%20English.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">English<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Brochure%20PDF%20BAHASA%20MELAYU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Malay<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_brochure_mandarin.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Mandarin<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_brochure_Tamil.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Tamil<\/a>)<\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-30312dc e-con-full e-flex e-con e-child\" data-id=\"30312dc\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3845fc8 elementor-widget elementor-widget-heading\" data-id=\"3845fc8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Annual Reports<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06d9efe elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"06d9efe\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c84317e\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-06d9efe\">\n                        <a href=\"#collapse-578f3c469e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c84317e\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2023<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c84317e\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2023_AnnualReport.pdf\">OFS Annual Report 2023<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-06d9efe\">\n                        <a href=\"#collapse-a1d62e669e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a1d62e669e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-a1d62e669e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2022<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a1d62e669e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2022_AnnualReport.pdf\">OFS Annual Report 2022<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-06d9efe\">\n                        <a href=\"#collapse-87e3c5969e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-87e3c5969e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-87e3c5969e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2021<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-87e3c5969e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2021_AnnualReport.pdf\">OFS Annual Report 2021<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-06d9efe\">\n                        <a href=\"#collapse-a4c8af869e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a4c8af869e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-a4c8af869e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2020<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a4c8af869e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2020_AnnualReport_.pdf\">OFS Annual Report 2020<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-06d9efe\">\n                        <a href=\"#collapse-220e54069e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-220e54069e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-220e54069e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2019<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-220e54069e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2019_AnnualReport.pdf\">OFS Annual Report 2019<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-06d9efe\">\n                        <a href=\"#collapse-59cfffb69e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-59cfffb69e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-59cfffb69e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2018<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-59cfffb69e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2018_AnnualReport.pdf\">OFS Annual Report 2018<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-06d9efe\">\n                        <a href=\"#collapse-818e53f69e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-818e53f69e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-818e53f69e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2017<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-818e53f69e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-6-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS-AR2017-lowres.pdf\">OFS Annual Report 2017<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-06d9efe\">\n                        <a href=\"#collapse-f74c5a569e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-f74c5a569e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-f74c5a569e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2016<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-f74c5a569e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-7-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/OFS_AR2016.pdf\">OFS Annual Report 2016<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-06d9efe\">\n                        <a href=\"#collapse-b4eb9b869e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-b4eb9b869e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-b4eb9b869e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2015<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-b4eb9b869e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-8-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/FMB-AR2015-Final.pdf\">OFS Annual Report 2015<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-06d9efe\">\n                        <a href=\"#collapse-caf5e9169e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-caf5e9169e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-caf5e9169e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2014<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-caf5e9169e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-9-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/FMB-AR2014-FINAL.pdf\">OFS Annual Report 2014<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-10-06d9efe\">\n                        <a href=\"#collapse-75023a169e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-75023a169e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-75023a169e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2013<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-75023a169e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-10-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/annual_rep_2013.pdf\">OFS Annual Report 2013<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-11-06d9efe\">\n                        <a href=\"#collapse-69600da69e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-69600da69e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-69600da69e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2012<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-69600da69e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-11-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/Annual%20Report%202012.pdf\">OFS Annual Report 2012<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-12-06d9efe\">\n                        <a href=\"#collapse-7dcd2ac69e3a2c84317e\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7dcd2ac69e3a2c84317e\" aria-expanded=\"false\" aria-controls=\"Collapse-7dcd2ac69e3a2c84317e\">\n                            \n                            <span class=\"ekit-accordion-title\">OFS Annual Report 2011<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7dcd2ac69e3a2c84317e\" class=\" collapse\" aria-labelledby=\"primaryHeading-12-06d9efe\" data-parent=\"#accordion-69e3a2c84317e\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/Annual%20Report%202011.pdf\">OFS Annual Report 2011<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2023\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2023_AnnualReport.pdf\\\">OFS Annual Report 2023<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2022\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2022_AnnualReport.pdf\\\">OFS Annual Report 2022<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2021\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2021_AnnualReport.pdf\\\">OFS Annual Report 2021<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2020\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2020_AnnualReport_.pdf\\\">OFS Annual Report 2020<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2019\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2019_AnnualReport.pdf\\\">OFS Annual Report 2019<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2018\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_2018_AnnualReport.pdf\\\">OFS Annual Report 2018<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2017\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS-AR2017-lowres.pdf\\\">OFS Annual Report 2017<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2016\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/OFS_AR2016.pdf\\\">OFS Annual Report 2016<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2015\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/FMB-AR2015-Final.pdf\\\">OFS Annual Report 2015<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2014\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/FMB-AR2014-FINAL.pdf\\\">OFS Annual Report 2014<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2013\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/annual_rep_2013.pdf\\\">OFS Annual Report 2013<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2012\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Annual%20Report%202012.pdf\\\">OFS Annual Report 2012<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"OFS Annual Report 2011\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Annual%20Report%202011.pdf\\\">OFS Annual Report 2011<\/a><\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e560458 e-con-full e-flex e-con e-child\" data-id=\"e560458\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cdcf011 elementor-widget elementor-widget-heading\" data-id=\"cdcf011\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Case Studies<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7fbd4f elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"e7fbd4f\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c846113\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-e7fbd4f\">\n                        <a href=\"#collapse-578f3c469e3a2c846113\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c846113\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c846113\">\n                            \n                            <span class=\"ekit-accordion-title\">Banking, Islamic Banking and Payment Systems<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c846113\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-e7fbd4f\" data-parent=\"#accordion-69e3a2c846113\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><strong>Credit Card<\/strong><\/p><ol><li><span style=\"text-decoration: underline\"><strong>Online transaction:<\/strong><\/span><br \/><a title=\"Dispute Relating to Online Transaction\" href=\"https:\/\/www.fmos.org.my\/en\/No_OTP_or_SMS_alert?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Dispute on a transaction made online\" href=\"https:\/\/www.fmos.org.my\/en\/Online_Scam?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Case 2<\/a>\u00a0|\u00a0<a title=\"Unauthorised Online Transaction\" href=\"https:\/\/www.fmos.org.my\/en\/Unauthorised_Online_Transaction?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Case 3<\/a>\u00a0|\u00a0<a title=\"Unauthorised Online Transaction - Delay in Submitting Dispute Form\" href=\"https:\/\/www.fmos.org.my\/en\/Unauthorised_Online_Transaction_-_Delay_in_Submitting_Dispute_Form?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Case 4<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Cashback: <\/strong><\/span><a title=\"Cashback Promotion\" href=\"https:\/\/www.fmos.org.my\/en\/Cashback_Promotion?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Cashback Promotion<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Unauthorized Retail Transaction: <\/strong><\/span><a title=\"Stolen Credit Card - Unauthorized Retail Transaction\" href=\"https:\/\/www.fmos.org.my\/en\/Stolen_Credit_Card?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Stolen Credit Card<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Unauthorized Retail Transaction: <\/strong><\/span><a title=\"Compromised Credit Card (Unauthorised Retail Transaction)\" href=\"https:\/\/www.fmos.org.my\/en\/Compromised_Credit_Card?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Compromised Credit Card<\/a><\/li><li><strong><span style=\"text-decoration: underline\"><a title=\"Charges Debited into the Credit Card Account\" href=\"https:\/\/www.fmos.org.my\/en\/Charges_Debited_into_the_Credit_Card_Account?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes3]\">Charges Debited into the Credit Card Account<\/a><\/span><\/strong><\/li><\/ol><p><strong>Operational Issues<\/strong><\/p><ol><li><a title=\"Alteration and payment of post dated cheque\" href=\"https:\/\/www.fmos.org.my\/en\/Alteration_and_payment_of_post_dated_cheque?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Alteration and payment of post-dated cheque<\/a><\/li><li><a title=\"No Pro-Rated Interest Payment for Premature Withdrawal of Fixed Deposit\" href=\"https:\/\/www.fmos.org.my\/en\/No_Pro-Rated_Interest_Payment_for_Premature_Withdrawal_of_Fixed_Deposit?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Failure to Provide Proper Notification to Customer<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Mis Selling:<\/strong><\/span>\u00a0<a title=\"Mis Selling Case 1\" href=\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Mis Selling Case 2\" href=\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Case 2<\/a>\u00a0|\u00a0<a title=\"Mis Selling Case 3\" href=\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case3?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Case 3 <\/a>|\u00a0<a title=\"Mis Selling Case 4\" href=\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case4?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes6]\">Case 4<\/a>\u00a0<img decoding=\"async\" src=\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\" \/><\/li><\/ol><p><strong>Contractual Issues<\/strong><\/p><ol><li><a title=\"Reinstatement of the Interest Rate was not carried out by the bank\" href=\"https:\/\/www.fmos.org.my\/en\/Reinstatement_of_the_Interest_Rate?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes24]\">Reinstatement of the Interest Rate<\/a><\/li><\/ol><p><strong>Cash Deposit Machine(CDM)<\/strong><\/p><ol><li><a title=\"Dispute on non-return of cash by the CDM\" href=\"https:\/\/www.fmos.org.my\/en\/non_return_of_cash?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes25]\">Non-return of cash<\/a><\/li><\/ol><p><strong>Internet Banking<\/strong><\/p><ol><li><a title=\"SMS\/Phone Scam\" href=\"https:\/\/www.fmos.org.my\/en\/SMS_Phone_Scam?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes26]\">SMS\/Phone Scam<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Fund Transfer Scams:<\/strong><\/span>\u00a0<a title=\"Fund Transfer Scams - Case 1\" href=\"https:\/\/www.fmos.org.my\/en\/Fund_Transfer_Scams_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes26]\">Case 1<\/a>\u00a0<img decoding=\"async\" src=\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\" \/><\/li><\/ol><p><strong>Automated Teller Machine (ATM)<\/strong><\/p><ol><li><a title=\"Case 1 - Non Dispensation of Cash - Customer Left the ATM Without Waiting for the Cash to be Dispensed\" href=\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Non_Dispensation_of_Cash_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes27]\">Case 1 &#8211; Non Dispensation of Cash\u00a0<\/a><\/li><li><a title=\"Case 2 - Non Dispensation of Cash - CCTV Not Strategically Positioned \" href=\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Non_Dispensation_of_Cash_Case_2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes27]\">Case 2 &#8211; Non Dispensation of Cash<\/a><\/li><li><a title=\"Case 3 - ATM - Alleged Unauthorised withdrawal - Card \/ PIN Compromised\" href=\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Alleged_Unauthorised_withdrawal?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes27]\">Case 3 &#8211; Alleged Unauthorised Withdrawal<\/a><\/li><\/ol><p><strong>Chargeback<\/strong><\/p><ol><li><span style=\"text-decoration: underline\"><a title=\"Chargeback against a transaction made at the merchant\" href=\"https:\/\/www.fmos.org.my\/en\/Refund_of_transaction?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes28]\">Refund of transaction<\/a><\/span><\/li><\/ol>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-e7fbd4f\">\n                        <a href=\"#collapse-a1d62e669e3a2c846113\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a1d62e669e3a2c846113\" aria-expanded=\"false\" aria-controls=\"Collapse-a1d62e669e3a2c846113\">\n                            \n                            <span class=\"ekit-accordion-title\">Insurance and Takaful<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a1d62e669e3a2c846113\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-e7fbd4f\" data-parent=\"#accordion-69e3a2c846113\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><strong>Motor<\/strong><\/p><ol><li><span style=\"text-decoration: underline\"><strong>Delay in notifying the Insurer:<\/strong><\/span><a title=\"Takaful Motor - Late Notification\" href=\"https:\/\/www.fmos.org.my\/en\/Stolen_Vehicle_reported_after_4_weeks?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Stolen Vehicle reported after 4 weeks<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Delay in Lodging Police Report:<\/strong><\/span><a title=\"Motor - Delay in Lodging Police Report\" href=\"https:\/\/www.fmos.org.my\/en\/Stolen_Vehicle_notified_after_9_days?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Stolen Vehicle notified after 9 days<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause:<\/strong><\/span><a title=\"Takaful Motor \u2013 Exception\" href=\"https:\/\/www.fmos.org.my\/en\/Criminal_Activity?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Criminal Activity<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause : Criminal Breach of Trust (CBT)<\/strong><\/span><br \/><a title=\"Exclusion - Criminal Breach of Trust &amp; Limitation as to use - Vehicle for private use was rented out with consent and lost.\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_Clause_%E2%80%93_Criminal_Breach_of_Trust_and_Limitation_as_to_use?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Takaful Motor - Criminal Breach of Trust\" href=\"https:\/\/www.fmos.org.my\/en\/Takaful_Motor_-_Criminal_Breach_of_Trust?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 2<\/a><\/li><li><a title=\"Motor - Dispute on Application of Average Clause\" href=\"https:\/\/www.fmos.org.my\/en\/Application_of_Average_Clause?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Application of Average Clause<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Failure to take reasonable precaution:<\/strong><\/span><br \/><a title=\"Takaful Motor - Failure to take reasonable precaution\" href=\"https:\/\/www.fmos.org.my\/en\/Unattended_vehicle_with_engine_running?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Motor - Theft of Vehicle\" href=\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_Reasonably_Precaution_Case_2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 2<\/a>\u00a0|\u00a0<a title=\"Key in the ignition was left in the vehicle with the presence of Insured who was asleep\" href=\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_reasonable_precaution_Case_3?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 3<\/a>\u00a0\u00a0 |\u00a0<a title=\"Car Stolen Afer Being Left Unattended With Engine Running\" href=\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_reasonable_precaution_Case_4?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Case 4<\/a><\/li><li><a title=\"Case 1\" href=\"https:\/\/www.fmos.org.my\/en\/Total_Lost_vs_Insurer_Cost_of_Repair?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">Total Loss vs Insurer Cost of Repair<\/a><\/li><li><a title=\"Tempered Chasis Number\" href=\"https:\/\/www.fmos.org.my\/en\/Tampered_Chassis_Number?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\"><strong>Tampered Chassis Number<\/strong><\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Non \u2013disclosure:<\/strong><\/span><a title=\"General Motor Non Disclosure\" href=\"https:\/\/www.fmos.org.my\/en\/Absence_of_specific_questions_in_the_Proposal_Form?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Absence of specific questions in the Proposal Form<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Compensation for Assessed Repair Time (CART):<\/strong><\/span><a title=\"Compensation for Assessed Repair Time\" href=\"https:\/\/www.fmos.org.my\/en\/Compensation_for_Assessed_Repair_Time?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Case 1<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Market Value:<\/strong><\/span><a title=\"Market Value \u2013 Registration Mistake of the Vehicle\u2019s Make and Model.\" href=\"https:\/\/www.fmos.org.my\/en\/Market_Value?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes19]\">\u00a0Registration Mistake of the Vehicle\u2019s Make and Model.\u00a0<\/a><img decoding=\"async\" src=\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\" \/><\/li><\/ol><p><strong>Life, Family and General Medical<\/strong><\/p><ol><li><span style=\"text-decoration: underline\"><strong>Non-Disclosure: Medical history not disclosed in Proposal Form<\/strong><\/span><br \/><a title=\"Critical Illness Claim - Non-Disclosure\" href=\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Death Claim - Non-Disclosure\" href=\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a>\u00a0|\u00a0<a title=\"Claim rejected without sufficient evidence - Non-Disclosure\" href=\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_3?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 3<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Deductible:<\/strong><\/span>\u00a0<a title=\"Tuntutan bayaran balik ditolak atas alasan deduktibel\" href=\"https:\/\/www.fmos.org.my\/en\/Deductible_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 1<\/a><\/li><li><strong><span style=\"text-decoration: underline\">Total and Permanent Disability Claim: Definition of TPD not fulfilled<\/span><\/strong><br \/><a title=\"Total and Permanent Disability Claim Case1\" href=\"https:\/\/www.fmos.org.my\/en\/TPD_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Total and Permanent Disability Claim Case2\" href=\"https:\/\/www.fmos.org.my\/en\/TPD_Case_2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a>\u00a0|\u00a0<a title=\"Total and Permanent Disability Claim Case3\" href=\"https:\/\/www.fmos.org.my\/en\/TPD_Case_3?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 3<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Delay in Notifying the Insurer:<\/strong><\/span><a title=\"Personal Accident \u2013 Late notification\" href=\"https:\/\/www.fmos.org.my\/en\/Submission_outside_timeframe?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Submission outside timeframe<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause Accidental vs Illness:<\/strong><\/span><a title=\"Exclusion - Accidental vs Illness - Accidental Fall vs Myocardial Infarct\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_-_Accidental_vs_Illness_Case_1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\"><span style=\"text-decoration: underline\"><strong>\u00a0<\/strong><\/span>Case 1<\/a>\u00a0|\u00a0<a title=\"Case 2\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_%E2%80%93_Accidental_vs_Illness_Case_2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a>|\u00a0<a title=\"Exclusion - Accidental vs Illness - Accidental Death Claim\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_%E2%80%93_Accidental_vs_Illness_Case_3?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 3<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause : Illegal Activities<\/strong><\/span><br \/><a title=\"Claim does not fall within the ambit of Certificate\u2019s coverage\" href=\"https:\/\/www.fmos.org.my\/en\/Illegal_activities?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 1<\/a>\u00a0|\u00a0<a title=\"Adjudication by Ombudsman Life &amp; General Medical\" href=\"https:\/\/www.fmos.org.my\/en\/Expired_Licence?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2\u00a0<\/a>|\u00a0<a title=\"Adjudication by Ombudsman Life &amp; General Medical\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_clause_-_Riding_Without_A_Valid_Driving_License?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 3<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause:<\/strong><\/span><a title=\"Adjudication by Ombudsman Life &amp; General Medical\" href=\"https:\/\/www.fmos.org.my\/en\/Preventive_Medication?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Preventive Medication<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause:<\/strong><\/span><a title=\"Claim does not fall within the ambit of Certificate\u2019s coverage\" href=\"https:\/\/www.fmos.org.my\/en\/Pre_Existing_illness?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Pre-Existing illness<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause:<\/strong><\/span><a title=\"Exclusion clause - Congenital\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_clause_Congenital?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Congenital<\/a>\u00a0\u00a0<\/li><li><span style=\"text-decoration: underline\"><strong>Investigatory Purposes:<\/strong><\/span><a title=\"Hospitalization - Exclusion\" href=\"https:\/\/www.fmos.org.my\/en\/Investigatory_Purposes?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Investigatory Purposes<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Terms and Conditions:<\/strong><\/span><a title=\"Terms and Conditions: Outpatient vs Admission\" href=\"https:\/\/www.fmos.org.my\/en\/Outpatient_vs_Admission?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Case 1<\/a>\u00a0|\u00a0<a title=\"Terms and Conditions: Ambiguity in the Policy\" href=\"https:\/\/www.fmos.org.my\/en\/Ambiguity_in_the_Policy_Terms_and_Conditions?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Temporary Total Disability:<\/strong><\/span><a title=\"Accident Claim Temporary Total Disability Claim\" href=\"https:\/\/www.fmos.org.my\/en\/Accident_Claim_Temporary_Total_Disability_Claim_Case1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Case 1<\/a>\u00a0|\u00a0<a title=\"Accident Claim Temporary Total Disability Claim\" href=\"https:\/\/www.fmos.org.my\/en\/Accident_Claim_Temporary_Total_Disability_Claim_Case2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Personal Accident: No Valid Driving Licence:<\/strong><\/span><a title=\"Personal Accident Claim Temporary Total Disability Claim\" href=\"https:\/\/www.fmos.org.my\/en\/Personal_Accident_-_Case1?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Case 1\u00a0<\/a>|\u00a0<a title=\"Personal Accident\" href=\"https:\/\/www.fmos.org.my\/en\/Personal_Accident_-_Case2?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">Case 2<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Exclusion Clause:<\/strong><\/span><a title=\"Exclusion Clause: Violation of law\" href=\"https:\/\/www.fmos.org.my\/en\/Exclusion_Clause-Violation_of_law?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes21]\">\u00a0Violation of law<\/a><\/li><\/ol><p><strong>General Non-Motor<\/strong><\/p><ol><li><span style=\"text-decoration: underline\"><strong>Marine Cargo:<\/strong><\/span><a title=\"Marine Cargo: Inland Transit Claim\" href=\"https:\/\/www.fmos.org.my\/en\/Inland_Transit_Claim?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Inland Transit Claim<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Travel Insurance:<\/strong><\/span><a title=\"Travel Insurance: Case 1\" href=\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case1?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Case 1 |<\/a><a title=\"Travel Insurance: Case 2\" href=\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case2?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Case 2<\/a>\u00a0|\u00a0<a title=\"Travel Insurance: Case 3\" href=\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case3?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">Case 3<\/a>\u00a0|\u00a0<a title=\"Travel Insurance: Case 4\" href=\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case4?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">Case 4<\/a><\/li><li><span style=\"text-decoration: underline\"><strong>Policy Definition:<\/strong><\/span><a title=\"Policy Definition: Case 1\" href=\"https:\/\/www.fmos.org.my\/en\/Policy_Definition_Case_1?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Case 1<\/a>\u00a0|<a title=\"Policy Definition: Case 2\" href=\"https:\/\/www.fmos.org.my\/en\/Absence_of_Warranty_Details_in_the_Policy_Contract?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Case 2\u00a0<\/a><img decoding=\"async\" src=\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\" \/><\/li><li><span style=\"text-decoration: underline\"><strong>Burglary:<\/strong><\/span><a title=\"Burglary: Outlet Robbery\" href=\"https:\/\/www.fmos.org.my\/en\/Outlet_Robbery?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">\u00a0Outlet Robbery<\/a><\/li><li><a title=\"Public Liability\" href=\"https:\/\/www.fmos.org.my\/en\/Public_Liability?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\" rel=\"prettyPhoto[iframes20]\">Public Liability<\/a>\u00a0\u00a0<\/li><\/ol>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-e7fbd4f\">\n                        <a href=\"#collapse-87e3c5969e3a2c846113\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-87e3c5969e3a2c846113\" aria-expanded=\"true\" aria-controls=\"Collapse-87e3c5969e3a2c846113\">\n                            \n                            <span class=\"ekit-accordion-title\">Cases Referred to the Court<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-87e3c5969e3a2c846113\" class=\" show collapse\" aria-labelledby=\"primaryHeading-2-e7fbd4f\" data-parent=\"#accordion-69e3a2c846113\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <ol><li><a href=\"https:\/\/www.fmos.org.my\/file\/files\/PRUDENTIAL%20V%20OMBUDSMAN%20&amp;%20ANOR.pdf\">Prudential V Ombudsman &amp; Anor<\/a><\/li><li><a href=\"https:\/\/www.fmos.org.my\/file\/files\/LEE%20HONG%20CHEW%20V%20HONG%20LEONG%20ASSURANCE.pdf\">Lee Hong Chew V Hong Leong Assurance<\/a><\/li><li><a href=\"https:\/\/www.fmos.org.my\/file\/files\/LOH%20SWEE%20LIANG%20V%20AMGENERAL%20INSURANCE.pdf\">Loh Swee Liang V AmGeneral Insurance<\/a><\/li><li><a href=\"https:\/\/www.fmos.org.my\/file\/files\/Sukumaran%20AL%20Ramasamy_Anor%20v%20Public%20Bank%20Berhad.pdf\">Sukumaran AL Ramasamy &amp; Anor v Public Bank Berhad<\/a><\/li><\/ol>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Banking, Islamic Banking and Payment Systems\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><strong>Credit Card<\/strong><\/p><ol><li><span style=\\\"text-decoration: underline\\\"><strong>Online transaction:<\/strong><\/span><br \/><a title=\\\"Dispute Relating to Online Transaction\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/No_OTP_or_SMS_alert?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Dispute on a transaction made online\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Online_Scam?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Case 2<\/a>\u00a0|\u00a0<a title=\\\"Unauthorised Online Transaction\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Unauthorised_Online_Transaction?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Case 3<\/a>\u00a0|\u00a0<a title=\\\"Unauthorised Online Transaction - Delay in Submitting Dispute Form\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Unauthorised_Online_Transaction_-_Delay_in_Submitting_Dispute_Form?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Case 4<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Cashback: <\/strong><\/span><a title=\\\"Cashback Promotion\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Cashback_Promotion?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Cashback Promotion<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Unauthorized Retail Transaction: <\/strong><\/span><a title=\\\"Stolen Credit Card - Unauthorized Retail Transaction\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Stolen_Credit_Card?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Stolen Credit Card<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Unauthorized Retail Transaction: <\/strong><\/span><a title=\\\"Compromised Credit Card (Unauthorised Retail Transaction)\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Compromised_Credit_Card?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Compromised Credit Card<\/a><\/li><li><strong><span style=\\\"text-decoration: underline\\\"><a title=\\\"Charges Debited into the Credit Card Account\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Charges_Debited_into_the_Credit_Card_Account?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes3]\\\">Charges Debited into the Credit Card Account<\/a><\/span><\/strong><\/li><\/ol><p><strong>Operational Issues<\/strong><\/p><ol><li><a title=\\\"Alteration and payment of post dated cheque\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Alteration_and_payment_of_post_dated_cheque?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Alteration and payment of post-dated cheque<\/a><\/li><li><a title=\\\"No Pro-Rated Interest Payment for Premature Withdrawal of Fixed Deposit\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/No_Pro-Rated_Interest_Payment_for_Premature_Withdrawal_of_Fixed_Deposit?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Failure to Provide Proper Notification to Customer<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Mis Selling:<\/strong><\/span>\u00a0<a title=\\\"Mis Selling Case 1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Mis Selling Case 2\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Case 2<\/a>\u00a0|\u00a0<a title=\\\"Mis Selling Case 3\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case3?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Case 3 <\/a>|\u00a0<a title=\\\"Mis Selling Case 4\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Mis_Selling-Case4?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes6]\\\">Case 4<\/a>\u00a0<img src=\\\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\\\" \/><\/li><\/ol><p><strong>Contractual Issues<\/strong><\/p><ol><li><a title=\\\"Reinstatement of the Interest Rate was not carried out by the bank\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Reinstatement_of_the_Interest_Rate?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes24]\\\">Reinstatement of the Interest Rate<\/a><\/li><\/ol><p><strong>Cash Deposit Machine(CDM)<\/strong><\/p><ol><li><a title=\\\"Dispute on non-return of cash by the CDM\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/non_return_of_cash?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes25]\\\">Non-return of cash<\/a><\/li><\/ol><p><strong>Internet Banking<\/strong><\/p><ol><li><a title=\\\"SMS\/Phone Scam\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/SMS_Phone_Scam?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes26]\\\">SMS\/Phone Scam<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Fund Transfer Scams:<\/strong><\/span>\u00a0<a title=\\\"Fund Transfer Scams - Case 1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Fund_Transfer_Scams_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes26]\\\">Case 1<\/a>\u00a0<img src=\\\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\\\" \/><\/li><\/ol><p><strong>Automated Teller Machine (ATM)<\/strong><\/p><ol><li><a title=\\\"Case 1 - Non Dispensation of Cash - Customer Left the ATM Without Waiting for the Cash to be Dispensed\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Non_Dispensation_of_Cash_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes27]\\\">Case 1 - Non Dispensation of Cash\u00a0<\/a><\/li><li><a title=\\\"Case 2 - Non Dispensation of Cash - CCTV Not Strategically Positioned \\\" href=\\\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Non_Dispensation_of_Cash_Case_2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes27]\\\">Case 2 - Non Dispensation of Cash<\/a><\/li><li><a title=\\\"Case 3 - ATM - Alleged Unauthorised withdrawal - Card \/ PIN Compromised\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/ATM_%E2%80%93_Alleged_Unauthorised_withdrawal?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes27]\\\">Case 3 - Alleged Unauthorised Withdrawal<\/a><\/li><\/ol><p><strong>Chargeback<\/strong><\/p><ol><li><span style=\\\"text-decoration: underline\\\"><a title=\\\"Chargeback against a transaction made at the merchant\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Refund_of_transaction?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes28]\\\">Refund of transaction<\/a><\/span><\/li><\/ol>\"}},{\"@type\":\"Question\",\"name\":\"Insurance and Takaful\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><strong>Motor<\/strong><\/p><ol><li><span style=\\\"text-decoration: underline\\\"><strong>Delay in notifying the Insurer:<\/strong><\/span><a title=\\\"Takaful Motor - Late Notification\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Stolen_Vehicle_reported_after_4_weeks?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Stolen Vehicle reported after 4 weeks<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Delay in Lodging Police Report:<\/strong><\/span><a title=\\\"Motor - Delay in Lodging Police Report\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Stolen_Vehicle_notified_after_9_days?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Stolen Vehicle notified after 9 days<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause:<\/strong><\/span><a title=\\\"Takaful Motor \u2013 Exception\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Criminal_Activity?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Criminal Activity<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause : Criminal Breach of Trust (CBT)<\/strong><\/span><br \/><a title=\\\"Exclusion - Criminal Breach of Trust &amp; Limitation as to use - Vehicle for private use was rented out with consent and lost.\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_Clause_%E2%80%93_Criminal_Breach_of_Trust_and_Limitation_as_to_use?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Takaful Motor - Criminal Breach of Trust\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Takaful_Motor_-_Criminal_Breach_of_Trust?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 2<\/a><\/li><li><a title=\\\"Motor - Dispute on Application of Average Clause\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Application_of_Average_Clause?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Application of Average Clause<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Failure to take reasonable precaution:<\/strong><\/span><br \/><a title=\\\"Takaful Motor - Failure to take reasonable precaution\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Unattended_vehicle_with_engine_running?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Motor - Theft of Vehicle\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_Reasonably_Precaution_Case_2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 2<\/a>\u00a0|\u00a0<a title=\\\"Key in the ignition was left in the vehicle with the presence of Insured who was asleep\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_reasonable_precaution_Case_3?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 3<\/a>\u00a0\u00a0 |\u00a0<a title=\\\"Car Stolen Afer Being Left Unattended With Engine Running\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Failure_to_take_reasonable_precaution_Case_4?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Case 4<\/a><\/li><li><a title=\\\"Case 1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Total_Lost_vs_Insurer_Cost_of_Repair?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">Total Loss vs Insurer Cost of Repair<\/a><\/li><li><a title=\\\"Tempered Chasis Number\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Tampered_Chassis_Number?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\"><strong>Tampered Chassis Number<\/strong><\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Non \u2013disclosure:<\/strong><\/span><a title=\\\"General Motor Non Disclosure\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Absence_of_specific_questions_in_the_Proposal_Form?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Absence of specific questions in the Proposal Form<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Compensation for Assessed Repair Time (CART):<\/strong><\/span><a title=\\\"Compensation for Assessed Repair Time\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Compensation_for_Assessed_Repair_Time?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Case 1<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Market Value:<\/strong><\/span><a title=\\\"Market Value \u2013 Registration Mistake of the Vehicle\u2019s Make and Model.\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Market_Value?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes19]\\\">\u00a0Registration Mistake of the Vehicle\u2019s Make and Model.\u00a0<\/a><img src=\\\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\\\" \/><\/li><\/ol><p><strong>Life, Family and General Medical<\/strong><\/p><ol><li><span style=\\\"text-decoration: underline\\\"><strong>Non-Disclosure: Medical history not disclosed in Proposal Form<\/strong><\/span><br \/><a title=\\\"Critical Illness Claim - Non-Disclosure\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Death Claim - Non-Disclosure\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a>\u00a0|\u00a0<a title=\\\"Claim rejected without sufficient evidence - Non-Disclosure\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Non_Disclosure_Case_3?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 3<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Deductible:<\/strong><\/span>\u00a0<a title=\\\"Tuntutan bayaran balik ditolak atas alasan deduktibel\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Deductible_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 1<\/a><\/li><li><strong><span style=\\\"text-decoration: underline\\\">Total and Permanent Disability Claim: Definition of TPD not fulfilled<\/span><\/strong><br \/><a title=\\\"Total and Permanent Disability Claim Case1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/TPD_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Total and Permanent Disability Claim Case2\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/TPD_Case_2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a>\u00a0|\u00a0<a title=\\\"Total and Permanent Disability Claim Case3\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/TPD_Case_3?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 3<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Delay in Notifying the Insurer:<\/strong><\/span><a title=\\\"Personal Accident \u2013 Late notification\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Submission_outside_timeframe?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Submission outside timeframe<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause Accidental vs Illness:<\/strong><\/span><a title=\\\"Exclusion - Accidental vs Illness - Accidental Fall vs Myocardial Infarct\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_-_Accidental_vs_Illness_Case_1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\"><span style=\\\"text-decoration: underline\\\"><strong>\u00a0<\/strong><\/span>Case 1<\/a>\u00a0|\u00a0<a title=\\\"Case 2\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_%E2%80%93_Accidental_vs_Illness_Case_2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a>|\u00a0<a title=\\\"Exclusion - Accidental vs Illness - Accidental Death Claim\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_%E2%80%93_Accidental_vs_Illness_Case_3?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 3<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause : Illegal Activities<\/strong><\/span><br \/><a title=\\\"Claim does not fall within the ambit of Certificate\u2019s coverage\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Illegal_activities?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 1<\/a>\u00a0|\u00a0<a title=\\\"Adjudication by Ombudsman Life &amp; General Medical\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Expired_Licence?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2\u00a0<\/a>|\u00a0<a title=\\\"Adjudication by Ombudsman Life &amp; General Medical\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_clause_-_Riding_Without_A_Valid_Driving_License?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 3<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause:<\/strong><\/span><a title=\\\"Adjudication by Ombudsman Life &amp; General Medical\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Preventive_Medication?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Preventive Medication<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause:<\/strong><\/span><a title=\\\"Claim does not fall within the ambit of Certificate\u2019s coverage\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Pre_Existing_illness?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Pre-Existing illness<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause:<\/strong><\/span><a title=\\\"Exclusion clause - Congenital\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_clause_Congenital?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Congenital<\/a>\u00a0\u00a0<\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Investigatory Purposes:<\/strong><\/span><a title=\\\"Hospitalization - Exclusion\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Investigatory_Purposes?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Investigatory Purposes<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Terms and Conditions:<\/strong><\/span><a title=\\\"Terms and Conditions: Outpatient vs Admission\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Outpatient_vs_Admission?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Case 1<\/a>\u00a0|\u00a0<a title=\\\"Terms and Conditions: Ambiguity in the Policy\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Ambiguity_in_the_Policy_Terms_and_Conditions?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Temporary Total Disability:<\/strong><\/span><a title=\\\"Accident Claim Temporary Total Disability Claim\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Accident_Claim_Temporary_Total_Disability_Claim_Case1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Case 1<\/a>\u00a0|\u00a0<a title=\\\"Accident Claim Temporary Total Disability Claim\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Accident_Claim_Temporary_Total_Disability_Claim_Case2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Personal Accident: No Valid Driving Licence:<\/strong><\/span><a title=\\\"Personal Accident Claim Temporary Total Disability Claim\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Personal_Accident_-_Case1?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Case 1\u00a0<\/a>|\u00a0<a title=\\\"Personal Accident\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Personal_Accident_-_Case2?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">Case 2<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Exclusion Clause:<\/strong><\/span><a title=\\\"Exclusion Clause: Violation of law\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Exclusion_Clause-Violation_of_law?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes21]\\\">\u00a0Violation of law<\/a><\/li><\/ol><p><strong>General Non-Motor<\/strong><\/p><ol><li><span style=\\\"text-decoration: underline\\\"><strong>Marine Cargo:<\/strong><\/span><a title=\\\"Marine Cargo: Inland Transit Claim\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Inland_Transit_Claim?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Inland Transit Claim<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Travel Insurance:<\/strong><\/span><a title=\\\"Travel Insurance: Case 1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case1?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Case 1 |<\/a><a title=\\\"Travel Insurance: Case 2\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case2?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Case 2<\/a>\u00a0|\u00a0<a title=\\\"Travel Insurance: Case 3\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case3?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">Case 3<\/a>\u00a0|\u00a0<a title=\\\"Travel Insurance: Case 4\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Travel_Insurance-Case4?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">Case 4<\/a><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Policy Definition:<\/strong><\/span><a title=\\\"Policy Definition: Case 1\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Policy_Definition_Case_1?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Case 1<\/a>\u00a0|<a title=\\\"Policy Definition: Case 2\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Absence_of_Warranty_Details_in_the_Policy_Contract?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Case 2\u00a0<\/a><img src=\\\"http:\/\/dev.fmos.org.my\/file\/images\/New.gif\\\" \/><\/li><li><span style=\\\"text-decoration: underline\\\"><strong>Burglary:<\/strong><\/span><a title=\\\"Burglary: Outlet Robbery\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Outlet_Robbery?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">\u00a0Outlet Robbery<\/a><\/li><li><a title=\\\"Public Liability\\\" href=\\\"https:\/\/www.fmos.org.my\/en\/Public_Liability?iframe=true&amp;width=100%&amp;height=100%?iframe=true&amp;width=100%&amp;height=100%\\\" rel=\\\"prettyPhoto[iframes20]\\\">Public Liability<\/a>\u00a0\u00a0<\/li><\/ol>\"}},{\"@type\":\"Question\",\"name\":\"Cases Referred to the Court\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<ol><li><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/PRUDENTIAL%20V%20OMBUDSMAN%20&amp;%20ANOR.pdf\\\">Prudential V Ombudsman &amp; Anor<\/a><\/li><li><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/LEE%20HONG%20CHEW%20V%20HONG%20LEONG%20ASSURANCE.pdf\\\">Lee Hong Chew V Hong Leong Assurance<\/a><\/li><li><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/LOH%20SWEE%20LIANG%20V%20AMGENERAL%20INSURANCE.pdf\\\">Loh Swee Liang V AmGeneral Insurance<\/a><\/li><li><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Sukumaran%20AL%20Ramasamy_Anor%20v%20Public%20Bank%20Berhad.pdf\\\">Sukumaran AL Ramasamy &amp; Anor v Public Bank Berhad<\/a><\/li><\/ol>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a16b35 e-con-full e-flex e-con e-child\" data-id=\"1a16b35\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d179dcf elementor-widget elementor-widget-heading\" data-id=\"d179dcf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Photo Gallery<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b88373 elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"2b88373\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c84b666\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-2b88373\">\n                        <a href=\"#collapse-578f3c469e3a2c84b666\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c84b666\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c84b666\">\n                            \n                            <span class=\"ekit-accordion-title\">Launching of the Financial Ombudsman Scheme<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c84b666\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-2b88373\" data-parent=\"#accordion-69e3a2c84b666\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/en\/Photo_Gallery\">Launching of the Financial Ombudsman Scheme<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Launching of the Financial Ombudsman Scheme\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/en\/Photo_Gallery\\\">Launching of the Financial Ombudsman Scheme<\/a><\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e3c8aaf e-con-full e-flex e-con e-child\" data-id=\"e3c8aaf\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2103e17 elementor-widget elementor-widget-heading\" data-id=\"2103e17\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Independent Review Report<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70f1416 elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"70f1416\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c84cccb\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-70f1416\">\n                        <a href=\"#collapse-578f3c469e3a2c84cccb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c84cccb\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c84cccb\">\n                            \n                            <span class=\"ekit-accordion-title\">2019 Report<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c84cccb\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-70f1416\" data-parent=\"#accordion-69e3a2c84cccb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/2019_CRK_OFS_Report.pdf\">2019 Report<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-70f1416\">\n                        <a href=\"#collapse-9d1ae3a69e3a2c84cccb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-9d1ae3a69e3a2c84cccb\" aria-expanded=\"false\" aria-controls=\"Collapse-9d1ae3a69e3a2c84cccb\">\n                            \n                            <span class=\"ekit-accordion-title\">Board&#039;s Response<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-9d1ae3a69e3a2c84cccb\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-70f1416\" data-parent=\"#accordion-69e3a2c84cccb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.fmos.org.my\/file\/files\/Boards-response.pdf\">Board&#8217;s Response<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"2019 Report\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/2019_CRK_OFS_Report.pdf\\\">2019 Report<\/a><\/p>\"}},{\"@type\":\"Question\",\"name\":\"Board&#039;s Response\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><a href=\\\"https:\/\/www.fmos.org.my\/file\/files\/Boards-response.pdf\\\">Board's Response<\/a><\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/p>                        <\/div>\n                    <\/div>\n                                    <div class=\"tab-pane elementkit-tab-pane elementor-repeater-item-7bc467b \" id=\"content-7bc467b69e3e1f80dd50\" role=\"tabpanel\"\n                         aria-labelledby=\"content-7bc467b69e3e1f80dd50-tab\">\n                        <div class=\"animated fadeIn\">\n                            <p>\t\t<div data-elementor-type=\"section\" data-elementor-id=\"3970\" class=\"elementor elementor-3970\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f8c1bf elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"4f8c1bf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f00bca\" data-id=\"2f00bca\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e204490 e-con-full e-flex e-con e-child\" data-id=\"e204490\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2620e18 elementor-widget elementor-widget-heading\" data-id=\"2620e18\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Annual Report<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b9ee49 elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"0b9ee49\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c86d6ae\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-0b9ee49\">\n                        <a href=\"#collapse-578f3c469e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c86d6ae\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2023<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c86d6ae\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/03\/SIDREC-Annual-Report-2023.pdf\">SIDREC Annual Report 2023<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-0b9ee49\">\n                        <a href=\"#collapse-68a3bf669e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-68a3bf669e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-68a3bf669e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2022<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-68a3bf669e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2023\/03\/SIDREC-Annual-Report-2022.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2022<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-0b9ee49\">\n                        <a href=\"#collapse-fc0e21969e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-fc0e21969e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-fc0e21969e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2021<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-fc0e21969e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2022\/03\/SIDREC-Annual-Report-2021.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2021<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-0b9ee49\">\n                        <a href=\"#collapse-eaaa7cf69e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-eaaa7cf69e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-eaaa7cf69e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2020<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-eaaa7cf69e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2021\/03\/SIDREC-Annual-Report-2020-Digital.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2020<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-0b9ee49\">\n                        <a href=\"#collapse-88ef93369e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-88ef93369e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-88ef93369e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2019<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-88ef93369e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/03\/SIDREC-AR-Digital-2019.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2019<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-0b9ee49\">\n                        <a href=\"#collapse-92c9b1e69e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-92c9b1e69e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-92c9b1e69e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2018<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-92c9b1e69e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC-AR-2018-Digital.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2018<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-0b9ee49\">\n                        <a href=\"#collapse-bb0cc9469e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bb0cc9469e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-bb0cc9469e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2017<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bb0cc9469e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-6-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC-Annual-Report-2017.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2017<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-0b9ee49\">\n                        <a href=\"#collapse-a9eb27069e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a9eb27069e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-a9eb27069e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2016<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a9eb27069e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-7-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC-Annual-Report-2016.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2016<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-0b9ee49\">\n                        <a href=\"#collapse-7cac28d69e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7cac28d69e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-7cac28d69e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2015<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7cac28d69e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-8-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC-Annual-Report-2015.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2015<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-0b9ee49\">\n                        <a href=\"#collapse-b6c8bcc69e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-b6c8bcc69e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-b6c8bcc69e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2014<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-b6c8bcc69e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-9-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC_AD_2014-V2-3.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2014<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-10-0b9ee49\">\n                        <a href=\"#collapse-3c4931e69e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3c4931e69e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-3c4931e69e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2013<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3c4931e69e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-10-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/FInal-SIDREC-Mid-res.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2013<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-11-0b9ee49\">\n                        <a href=\"#collapse-97feee369e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-97feee369e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-97feee369e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2012<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-97feee369e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-11-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC_web.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2012<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-12-0b9ee49\">\n                        <a href=\"#collapse-14913b769e3a2c86d6ae\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-14913b769e3a2c86d6ae\" aria-expanded=\"false\" aria-controls=\"Collapse-14913b769e3a2c86d6ae\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2011<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-14913b769e3a2c86d6ae\" class=\" collapse\" aria-labelledby=\"primaryHeading-12-0b9ee49\" data-parent=\"#accordion-69e3a2c86d6ae\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/AR2011finalV02.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2011<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-048614b e-con-full e-flex e-con e-child\" data-id=\"048614b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15f73b2 elementor-widget elementor-widget-heading\" data-id=\"15f73b2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Media<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98319fb elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"98319fb\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c870208\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-98319fb\">\n                        <a href=\"#collapse-578f3c469e3a2c870208\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c870208\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c870208\">\n                            \n                            <span class=\"ekit-accordion-title\"> Press Release<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c870208\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-98319fb\" data-parent=\"#accordion-69e3a2c870208\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-element elementor-element-c141520 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6 class=\"elementor-heading-title elementor-size-default\">2023<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-374f842 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"normal-list\"><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2023\/03\/Media-Statement-SIDREC-AR2022.pdf\">27 March 2023 \u2013 SIDREC\u2019s Dispute Resolution Services Gain Traction as Investor Awareness Grows<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-84287b5 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2022<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-a45ac15 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"normal-list\"><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/03\/Media-Statement-SIDREC-AR2021.pdf\">29 March 2022 \u2013 SIDREC continues to resolve capital market-related monetary disputes despite the pandemic (English)<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/03\/Siaran-Akhbar-SIDREC-AR2021.pdf\">29 March 2022 \u2013 SIDREC terus tekad menyelesaikan pertikaian kewangan berkaitan pasaran modal dalam pandemik (Bahasa Malaysia)<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-596b108 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2019<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-5cc085a elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"normal-list\"><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/2019-12-05-Media-Release-Sharmila-Sharma.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">5 Dec 2019 \u2013 SIDREC Appoints New CEO<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/2019-06-21-SIDREC-MR-SIDREC-CSR-with-KDU-English.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">13 Jun 2019 \u2013 Taking CSR to Another Level (English)<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/2019-06-17-SIDREC-MR-Mandarin.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">13 Jun 2019 \u2013 Taking CSR to Another Level (Mandarin)<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-178bab2 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2018<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-d080cd8 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"normal-list\"><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/2018-04-16-Media-Release_SIDREC-expands-purview-can-handle-claims-above-RM250000.pdf\" target=\"_blank\" rel=\"noopener\">16 Apr 2018 \u2013 SIDREC Expands Purview, Can Now Handle Claims Above RM250,000<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/2018-04-16-Siaran-Media_SIDREC-perluas-bidang-kuasa-boleh-kendali-tuntutan-melebihi-RM250000.pdf\" target=\"_blank\" rel=\"noopener\">16 Apr 2018 \u2013 SIDREC Perluas Bidang Kuasa, Mampu Kendali Tuntutan Melebihi RM250,000<\/a><\/li><\/ul><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-98319fb\">\n                        <a href=\"#collapse-487e8f169e3a2c870208\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-487e8f169e3a2c870208\" aria-expanded=\"false\" aria-controls=\"Collapse-487e8f169e3a2c870208\">\n                            \n                            <span class=\"ekit-accordion-title\">Radio Broadcast<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-487e8f169e3a2c870208\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-98319fb\" data-parent=\"#accordion-69e3a2c870208\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-element elementor-element-3af7528 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6 class=\"elementor-heading-title elementor-size-default\">BFM 89.9: SIDREC Chairman\u2019s interview for Ringgit &amp; Sense on the BFM Morning Run<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-10df485 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/09\/Part-1-SIDREC-Background.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 1: SIDREC background<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/09\/Part-2-Misconception-regarding-SIDREC-and-how-SIDREC-handling-cases.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 2: Misconception regarding SIDREC and how SIDREC handling cases<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/09\/Part-3-How-SIDREC-Conducts-Case-Management.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 3: How SIDREC conducts case management<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/09\/Part-4-Capital-Market-Possible-Disputes-Scenarios.mp3\" target=\"_blank\" rel=\"noopener\">Part 4: Capital market possible disputes scenarios<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-7a468c6 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">BFM 89.9: The Marketplace Radio Interviews<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-4c4fc5b elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/1-Free-fair-help-for-investors.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 1: Free &amp; fair help for investors<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/2-Why-disputes-happen.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 2: Why disputes happen<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/3-How-SIDREC-deals-with-disputes.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 3: How SIDREC deals with disputes<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/4-Understand-fintech-to-avoid-problems.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 4: Understand Fintech to avoid problems<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/5-Paper-trail-other-tips-to-avoid-disputes.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 5: Paper trail &amp; other tips to avoid disputes<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/6-Know-your-risk-profile-investment.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 6: Know your risk profile &amp; investment<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-591a745 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">LITE.FM<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-7d56e0d elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/101218-SIDREC-LITE-Time-Limit-to-Complaint.wav\" target=\"_blank\" rel=\"noopener noreferrer\">How long does it take to resolve a case?<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/101218-SIDREC-LITE-Case-Duration.wav\" target=\"_blank\" rel=\"noopener noreferrer\">Is there a time limit for making a complaint to SIDREC?<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-b806fb8 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">Melody FM<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-752b285 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/youtu.be\/nBwXNKgAzds\" target=\"_blank\" rel=\"noopener\">Do You Understand SIDREC\u2019s Dispute Resolution Process?<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-7ad4fa4 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">CityPlus FM106<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-eb4364e elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"http:\/\/cityplusfm.my\/%E4%BB%96%E4%B8%8D%E5%B0%8F%E5%BF%83%E5%8D%96%E6%8E%89%E6%88%91%E7%9A%84%E8%82%A1%E7%A5%A8\/\">He Accidentally Sold My Shares!<\/a><\/li><\/ul><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-98319fb\">\n                        <a href=\"#collapse-fb0ae5d69e3a2c870208\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-fb0ae5d69e3a2c870208\" aria-expanded=\"false\" aria-controls=\"Collapse-fb0ae5d69e3a2c870208\">\n                            \n                            <span class=\"ekit-accordion-title\"> Radio Advertisements<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-fb0ae5d69e3a2c870208\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-98319fb\" data-parent=\"#accordion-69e3a2c870208\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-element elementor-element-b8a8857 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6 class=\"elementor-heading-title elementor-size-default\">2018<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-d540c81 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li>Astro: Call SIDREC<br \/>(<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2018-Call-SIDREC-English.mp3\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2018-Call-SIDREC-Malay.mp3\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2018-Call-SIDREC-Mandarin.mp3\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2018-Call-SIDREC-Tamil.mp3\">Tamil<\/a>)<\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-67e1b0e elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2017<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-6c93bb9 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2017-Call-SIDREC-English.mp3\">Call SIDREC<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2017-Dispute-Resolution-Before-SIDREC-English.mp3\">Dispute Resolution Before SIDREC<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-133ae5a elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2016<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-66d4157 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li>Go to SIDREC<br \/>(<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-Go-to-SIDREC-English.mp3\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-Go-to-SIDREC-Malay.mp3\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-Go-to-SIDREC-Mandarin.mp3\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-Go-to-SIDREC-Tamil.mp3\">Tamil<\/a>)<\/li><li>No Sure Thing<br \/>(<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-SIDREC-No-Sure-Thing-English.mp3\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-SIDREC-No-Sure-Thing-Malay.mp3\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-SIDREC-No-Sure-Thing-Mandarin.mp3\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-SIDREC-No-Sure-Thing-Tamil.mp3\">Tamil<\/a>)<\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-64894ac elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2014<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-f542970 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2014-SIDREC-BFM-01.mp3\">BFM 1<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2014-SIDREC-BFM-02.mp3\">BFM 2<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-e3d1dc3 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2013<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-8b48f41 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2013-SIDREC-BFM-01.mp3\">BFM 1<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2013-SIDREC-BFM-02.mp3\">BFM 2<\/a><\/li><\/ul><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-98319fb\">\n                        <a href=\"#collapse-86a922669e3a2c870208\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-86a922669e3a2c870208\" aria-expanded=\"false\" aria-controls=\"Collapse-86a922669e3a2c870208\">\n                            \n                            <span class=\"ekit-accordion-title\">Video Broadcast<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-86a922669e3a2c870208\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-98319fb\" data-parent=\"#accordion-69e3a2c870208\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-element elementor-element-47008ea elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6 class=\"elementor-heading-title elementor-size-default\">Money Money Home<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-1233ec7 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/www.youtube.com\/embed\/g2-gFK6V0U4?rel=0\" target=\"_blank\" rel=\"noopener noreferrer\">Money Money Home Part 1<\/a><\/li><li><a href=\"https:\/\/www.youtube.com\/embed\/fA-IX1HGjAA?rel=0\" target=\"_blank\" rel=\"noopener noreferrer\">Money Money Home Part 2<\/a><\/li><\/ul><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-98319fb\">\n                        <a href=\"#collapse-85b39bf69e3a2c870208\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-85b39bf69e3a2c870208\" aria-expanded=\"false\" aria-controls=\"Collapse-85b39bf69e3a2c870208\">\n                            \n                            <span class=\"ekit-accordion-title\">Print Media<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-85b39bf69e3a2c870208\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-98319fb\" data-parent=\"#accordion-69e3a2c870208\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-container elementor-column-gap-no\"><div class=\"elementor-row\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b465bdf\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-cc412ea elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6 class=\"elementor-heading-title elementor-size-default\">2024<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-4273a9c elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>22 July 2024<\/td><td>The Malaysian Reserve<\/td><td><a href=\"https:\/\/themalaysianreserve.com\/2024\/07\/19\/mof-bnm-sc-to-establish-integrated-dispute-resolution-scheme-in-2025\/\" target=\"_blank\" rel=\"nofollow noopener\">MOF: BNM, SC to establish integrated dispute resolution scheme in 2025<\/a><\/td><\/tr><tr><td>19 July 2024<\/td><td>The Star<\/td><td><a href=\"https:\/\/www.thestar.com.my\/business\/business-news\/2024\/07\/19\/bank-negara-sc-to-establish-integrated-dispute-resolution-scheme-in-2025---mof\" target=\"_blank\" rel=\"nofollow noopener\">Bank Negara, SC to establish integrated dispute resolution scheme in 2025 &#8211; MoF<\/a><\/td><\/tr><tr><td>19 July 2024<\/td><td>The Edge Malaysia<\/td><td><a href=\"https:\/\/theedgemalaysia.com\/node\/719588\" target=\"_blank\" rel=\"nofollow noopener\">BNM, SC to establish integrated dispute resolution scheme in 2025<\/a><\/td><\/tr><tr><td>18 July 2024<\/td><td>BERNAMA<\/td><td><a href=\"https:\/\/www.bernama.com\/en\/news.php?id=2319384\" target=\"_blank\" rel=\"nofollow noopener\">BNM, SC TO ESTABLISH INTEGRATED DISPUTE RESOLUTION SCHEME IN 2025 &#8211; MOF<\/a><\/td><\/tr><tr><td>8 May 2024<\/td><td>BERNAMA<\/td><td><a href=\"https:\/\/www.bernama.com\/en\/business\/news.php?id=2295435\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC: NUMBER OF CLAIMS, ENQUIRIES RECEIVED UP 11 PCT TO 266 IN 2023<\/a><\/td><\/tr><tr><td>8 May 2024<\/td><td>The Star<\/td><td><a href=\"https:\/\/www.thestar.com.my\/business\/business-news\/2024\/05\/08\/sidrec-number-of-claims-enquiries-received-up-11-to-266-in-2023\" target=\"_blank\" rel=\"nofollow noopener\">Sidrec: Number of claims, enquiries received up 11% to 266 in 2023<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-287a5f7 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2023<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-7cacb11 elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>28 March 2023<\/td><td>StarBiz<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2023\/03\/StarBiz-SIDREC-gets-239-claims-and-enquiries-in-2022.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Sidrec gets 239 claims and enquiries in 2022<\/a><\/td><\/tr><tr><td>27 March 2023<\/td><td>BuletinTV3<\/td><td><a href=\"https:\/\/www.buletintv3.my\/detik-niaga\/laporan-sc-usaha-lindungi-pelabur-dengan-pendekatan-menyeluruh-pelbagai-hala-diteruskan\/\" target=\"_blank\" rel=\"nofollow noopener\">Laporan SC: Usaha lindungi pelabur dengan pendekatan menyeluruh pelbagai hala diteruskan<\/a><\/td><\/tr><tr><td>27 March 2023<\/td><td>BERNAMA<\/td><td><a href=\"https:\/\/www.bernama.com\/en\/business\/news.php?id=2176524\" target=\"_blank\" rel=\"nofollow noopener\">SC CONTINUE EFFORT IN PROTECTING INVESTORS WITH HOLISTIC MULTI-PRONGED APPROACH<\/a><\/td><\/tr><tr><td>27 March 2023<\/td><td>Business Today<\/td><td><a href=\"https:\/\/www.businesstoday.com.my\/2023\/03\/27\/sidrec-provides-options-for-investors-to-settle-monetary-disputes\/\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Provides Options For Investors To Settle Monetary Disputes<\/a><\/td><\/tr><tr><td>27 March 2023<\/td><td>MalayMail<\/td><td><a href=\"https:\/\/www.malaymail.com\/news\/malaysia\/2023\/03\/27\/sidrec-provides-alternative-dispute-resolution-services-for-investors\/61782\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC provides alternative dispute resolution services for investors<\/a><\/td><\/tr><tr><td>27 March 2023<\/td><td>BERNAMA<\/td><td><a href=\"https:\/\/www.bernama.com\/v2\/en\/business\/news.php?id=2176654#:~:text=SIDREC%20PROVIDES%20ALTERNATIVE%20DISPUTE%20RESOLUTION%20SERVICES%20FOR%20INVESTORS,-AddThis%20Sharing%20Buttons&amp;text=KUALA%20LUMPUR%2C%20March%2027%20(Bernama,Dispute%20Resolution%20Centre%20(SIDREC).\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC PROVIDES ALTERNATIVE DISPUTE RESOLUTION SERVICES FOR INVESTORS<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-c28952d elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2022<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-e70e328 elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>7 November 2022<\/td><td>The Edge Market<\/td><td><a href=\"https:\/\/www.theedgemarkets.com\/article\/intheknow-what-consumer-credit-act\" target=\"_blank\" rel=\"nofollow noopener\">InTheKnow: What is the Consumer Credit Act?<\/a><\/td><\/tr><tr><td>5 November 2022<\/td><td>Ipoh Echo<\/td><td><a href=\"https:\/\/www.ipohecho.com.my\/2022\/11\/04\/sidrec-resolution-of-consumer-financial-disputes-outside-the-courtroom\/\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC: Resolution of Consumer Financial Disputes Outside the Courtroom<\/a><\/td><\/tr><tr><td>27 June 2022<\/td><td>The Edge Market<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/06\/CEOs-Interview-with-The-Edge.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Sidrec saw spike in investor complaints in 2020 amid retail boom<\/a><\/td><\/tr><tr><td>27 May 2022<\/td><td>Ringgit | Rakan Kewangan Anda<\/td><td><a href=\"https:\/\/www.virtualpaper.pro\/index.php?route=mag\/article&amp;tracking=Ringgit002&amp;a_id=1086\" target=\"_blank\" rel=\"nofollow noopener\">Penyelesaian Pertikaian Kewangan Alternatif Dan Tabiat Bijak Dalam Pelaburan<\/a><\/td><\/tr><tr><td>13 April 2022<\/td><td>New Straits Times<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/04\/2022-04-13-Protection-for-Investors.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Protection for investors<\/a><\/td><\/tr><tr><td>30 March 2022<\/td><td>The Sun<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/03\/The-Sun-Mediation-gains-ground.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Mediation gains ground as avenue for resolving disputes<\/a><\/td><\/tr><tr><td>30 March 2022<\/td><td>The Sun Daily<\/td><td><a href=\"https:\/\/www.thesundaily.my\/home\/sidrec-mediation-gains-ground-as-alternative-way-to-resolve-disputes-CY9010567\" target=\"_blank\" rel=\"nofollow noopener\">Sidrec: Mediation gains ground as alternative way to resolve disputes<\/a><\/td><\/tr><tr><td>30 March 2022<\/td><td>The Star<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/03\/2022-03-30-SIDRECs-articles-in-STARBIZ.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Sidrec: High number of disputes settled out of court<\/a><\/td><\/tr><tr><td>27 March 2022<\/td><td>The Star<\/td><td><a href=\"https:\/\/www.thestar.com.my\/news\/nation\/2022\/03\/27\/money-lessons-to-avoid-financial-regrets-in-old-age\" target=\"_blank\" rel=\"nofollow noopener\">Money lessons to avoid financial regrets in old age<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-ea82fa6 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2020-2021<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-e35ce7e elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>14 June 2021<\/td><td>Utusan Malaysia<\/td><td><a href=\"https:\/\/www.utusan.com.my\/ekonomi\/2021\/06\/urus-pertikaian-pasaran-modal-secara-mediasi\/\" target=\"_blank\" rel=\"nofollow noopener\">Urus Pertikaian Pasaran Modal Secara Mediasi<\/a><\/td><\/tr><tr><td>18 March 2021<\/td><td>The Edge Markets<\/td><td><a href=\"https:\/\/www.theedgemarkets.com\/article\/investor-complaints-enquiries-jumped-70-2020-%E2%80%94-sc\" target=\"_blank\" rel=\"nofollow noopener\">Investor complaints, enquiries jumped 70% in 2020 \u2014 SC<\/a><\/td><\/tr><tr><td>21 December 2020<\/td><td>Nanyang Siang Pau<\/td><td><a href=\"https:\/\/enanyang.my\/node\/373686\" target=\"_blank\" rel=\"nofollow noopener\">Digital Investment Disputes and Resolution<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-f65eeb8 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2019<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-5187002 elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>09 December 2019<\/td><td>The Malaysian Reserve<\/td><td><a href=\"https:\/\/themalaysianreserve.com\/2019\/12\/09\/sidrec-appoints-new-ceo\/\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Appoints New CEO<\/a><\/td><\/tr><tr><td>11 September 2019<\/td><td>Sin Chew Jit Poh (KL)<\/td><td><a href=\"https:\/\/www.sinchew.com.my\/content\/content_2114166.html?fbclid=IwAR19LYP35uJFoPGFxguebRlgNxhijCLZA7_LGuL1FkgpNCJGj9zEpBSe47w\" target=\"_blank\" rel=\"nofollow noopener\">More Than 400 Disputes and Enquiries in 2018<\/a><\/td><\/tr><tr><td>13 July 2019<\/td><td>China Press<\/td><td><a href=\"https:\/\/www.chinapress.com.my\/?p=1631855\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC CEO Overcomes Challenges to Go Forward<\/a><\/td><\/tr><tr><td>26 June 2019<\/td><td>Nanyang Siang Pau<\/td><td><a href=\"https:\/\/www.enanyang.my\/news\/20190626\/%E5%85%A8%E9%A9%AC%E9%A6%96%E4%B8%AA%E8%B4%A2%E5%8A%A1csr%E8%AF%BE%E7%A8%8Bbr%E4%BC%A0%E6%8E%88%E9%87%91%E8%9E%8D%E5%8F%8A%E6%8A%95%E8%B5%84%E7%9F%A5%E8%AF%86\" target=\"_blank\" rel=\"nofollow noopener\">Malaysia\u2019s First Investment Literacy CSR Programme<\/a><\/td><\/tr><tr><td>15 June 2019<\/td><td>Daily Express<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Daily-Express.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Towards Smart Investing<\/a><\/td><\/tr><tr><td>13 June 2019<\/td><td>See Hua Daily News<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/See-Hua-Daily-News.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Engaging with Rotary Clubs and the KKCCCI to Promote ADR<\/a><\/td><\/tr><tr><td>13 June 2019<\/td><td>Sin Chew Jit Poh (Sabah)<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Sin-Chew-jit-Poh-Sabah.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC to Promote ADR in Conjunction with Bersama InvestSmart @ Borneo<\/a><\/td><\/tr><tr><td>12 June 2019<\/td><td>Asia Times<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Asia-Times.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC to Promote ADR in Sabah<\/a><\/td><\/tr><tr><td>12 June 2019<\/td><td>Overseas Chinese Daily<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Overseas-Chinese-Daily.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Seeking Tie-Ups with the KKCCCI to Promote ADR<\/a><\/td><\/tr><tr><td>12 June 2019<\/td><td>China Press<\/td><td><a href=\"https:\/\/www.chinapress.com.my\/20190611\/%E5%9B%BD%E4%BA%BA%E8%B4%AA%E6%96%B9%E4%BE%BF%E6%83%B9%E7%A5%B8-%E4%B9%B1%E9%80%8F%E9%9C%B2%E5%AF%86%E7%A0%81-%E5%BC%95%E6%8A%95%E8%B5%84%E7%BA%A0%E7%BA%B7\/\" target=\"_blank\" rel=\"nofollow noopener\">Don\u2019t Give Away Online Passwords<\/a><\/td><\/tr><tr><td>07 May 2019<\/td><td>The Malaysian Reserve<\/td><td><a href=\"https:\/\/themalaysianreserve.com\/2019\/05\/07\/sidrec-may-have-got-its-formula-right\/\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC May Have Got Its Formula Right<\/a><\/td><\/tr><tr><td>16 April 2019<\/td><td>Nanyang Siang Pau<\/td><td><a href=\"https:\/\/www.enanyang.my\/news\/20190416\/%E3%80%90%E7%8B%AC%E5%AE%B6%E3%80%91%E8%AF%81%E5%88%B8%E4%B8%9A%E4%BA%89%E8%AE%AE%E8%A7%A3%E5%86%B3%E4%B8%AD%E5%BF%83%E4%B8%8B%E7%AF%87%E2%97%8F%E5%AE%8C-%E8%B4%AA%E6%96%B9%E4%BE%BF%E5%A4%AA%E4%BF%A1\/\" target=\"_blank\" rel=\"nofollow noopener\">Five Pitfalls of which Retail Investors Need to Be Aware<\/a><\/td><\/tr><tr><td>15 April 2019<\/td><td>Nanyang Siang Pau<\/td><td><a href=\"https:\/\/www.enanyang.my\/news\/20190415\/%E3%80%90%E7%8B%AC%E5%AE%B6%E3%80%91%E4%B8%93%E5%8F%B8%E6%8A%95%E8%AF%89%E7%B4%A2%E8%B5%94%E4%BF%9D%E6%9D%83%E7%9B%8A-sidrec%E8%B0%83%E8%A7%A3%E6%8A%95%E8%B5%84%E4%BA%89%E8%AE%AE\/\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Provides Solutions for Investment Disputes<\/a><\/td><\/tr><tr><td>05 January 2019<\/td><td>Focus Malaysia<\/td><td><a href=\"https:\/\/sidrec.com.my\/ombudsman-malaysia-to-boost-transparency-accountability\/\" target=\"_blank\" rel=\"nofollow noopener\">Ombudsman Malaysia to Boost Transparency, Accountability<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-da18f0d elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2018<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-cfc8493 elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>18 December 2018<\/td><td>The Malaysian Reserve<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/181218-The-Malaysian-Reserve.pdf\" target=\"_blank\" rel=\"nofollow noopener\">We&#8217;ve Come A Long Way<\/a><\/td><\/tr><tr><td>09 December 2018<\/td><td>New Sunday Times<\/td><td><a href=\"https:\/\/www.nst.com.my\/lifestyle\/sunday-vibes\/2018\/11\/435650\/money-thoughts-dont-panic-sidrec-has-your-back\" target=\"_blank\" rel=\"nofollow noopener\">Don\u2019t Panic, SIDREC Has Your Back<\/a><\/td><\/tr><tr><td>26 November 2018<\/td><td>New Sunday Times<\/td><td><a href=\"https:\/\/www.nst.com.my\/lifestyle\/sunday-vibes\/2018\/11\/432400\/money-thoughts-can-anyone-help-me\" target=\"_blank\" rel=\"nofollow noopener\">Can Anyone Help Me?<\/a><\/td><\/tr><tr><td>18 June 2018<\/td><td>Smart Investor<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/SIDREC-10-13%E2%80%A2SI-June18.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Do You have a Problem with Your Broker?<\/a><\/td><\/tr><tr><td>22 April 2018<\/td><td>Sin Chew Jit Poh<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Sin-Chew-22.4.18-SIDREC.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC: Providing Fair and Professional Dispute Resolution Service<\/a><\/td><\/tr><tr><td>18 April 2018<\/td><td>New Straits Times<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/NST-18.4.18-SIDREC-expands-purview-can-handle-claims-above-RM250000.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Expands Purview, Can Handle Claims Above RM250,000<\/a><\/td><\/tr><tr><td>18 April 2018<\/td><td>The Star<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/The-Star-18.4.18-SIDREC-expands-purview-to-hear-claims-newspaper.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Expands Purview to Hear Claims<\/a><\/td><\/tr><tr><td>17 April 2018<\/td><td>Oriental Daily News<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Oriental-Daily-News-17.4.18-SIDREC-can-now-handle-disputes-relating-to-claims-above-RM250000.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Can Now Handle Disputes Relating to Claims Above RM250,000<\/a><\/td><\/tr><tr><td>16 April 2018<\/td><td>The Edge Markets<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/The-Edge-Markets.com-16.4.18-SIDREC-can-now-handle-disputes-relating-to-claims-above-RM250000.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Can Now Handle Disputes Relating to Claims Above RM250,000<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-1f87e75 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2011-2017<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-98477b1 elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>21 July 2017<\/td><td>The Sun<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2017-07-21-The-Sun-SIDREC-to-Resolve-Investment-Disputes.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC to Resolve Investment Disputes<\/a><\/td><\/tr><tr><td>22 April 2017<\/td><td>Focus Malaysia<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2017-04-22-FocusM-In-Pursuit-of-ADR.pdf\" target=\"_blank\" rel=\"nofollow noopener\">In Pursuit of Alternative Dispute Resolution<\/a><\/td><\/tr><tr><td>21 April 2017<\/td><td>Focus Malaysia<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2017-04-22-FocusM-Beware-the-Scammers.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Beware the Scammers<\/a><\/td><\/tr><tr><td>26 November 2016<\/td><td>Focus Malaysia<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-11-26-FocusM-Finding-Amicable-Solutions-to-Market-Disputes-v2.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Finding Amicable Solutions to Market Disputes<\/a><\/td><\/tr><tr><td>19 November 2016<\/td><td>The Star<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-11-19-The-Star.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC and the Association of Banks in Malaysia First Engagement Session<\/a><\/td><\/tr><tr><td>13 November 2016<\/td><td>The Star<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-11-13-The-Star-Go-for-Win-Win.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC: We Go for Win-Win<\/a><\/td><\/tr><tr><td>28 October 2016<\/td><td>Nanyang Siang Pau<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-10-28-NYSP-Financial-Grievance-Mechanism-to-Resolve-Disputes.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Financial Grievance Mechanism to Resolve Disputes<\/a><\/td><\/tr><tr><td>06 September 2016<\/td><td>Berita Harian<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-09-06-Berita-Harian-Bank-Komersial-Islamic-Jadi-Ahli-SIDREC.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Bank Komersial Islamic Jadi Ahli SIDREC<\/a><\/td><\/tr><tr><td>30 July 2016<\/td><td>Focus Malaysia<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-07-30-FocusM-Seeking-Redress-Against-Capital-Market-Players.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Seeking Redress Against Capital Market Players<\/a><\/td><\/tr><tr><td>11 February 2015<\/td><td>New Strait Times<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2015-02-11-BT-NST-Settlling-Issues-Quickly-Impartially.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Settlling Issues Quickly Impartially<\/a><\/td><\/tr><tr><td>09 April 2013<\/td><td>The Star<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2013-04-09-The-Star-SC-to-Continue-Funding-SIDREC.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SC to Continue Funding SIDREC<\/a><\/td><\/tr><tr><td>09 April 2013<\/td><td>The Edge Market<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2013-04-09-The-Edge-SC-to-Fund-SIDREC-for-Two-More-Years.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SC to Fund SIDREC for Two More Years<\/a><\/td><\/tr><tr><td>09 April 2013<\/td><td>Berita Harian<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2013-04-09-Berita-Harian-SIDREC-Terus-Terima-Pembiayaan.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Terus Terima Pembiayaan<\/a><\/td><\/tr><tr><td>09 April 2012<\/td><td>Harian Metro<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2012-04-09-Harian-Metro-Orang-Tengah-Industri.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Orang Tengah Industri<\/a><\/td><\/tr><tr><td>02 January 2012<\/td><td>Harian Metro<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2012-01-02-Harian-Metro-SIDREC-Komited-Selesaikan-Pertikaian.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Komited Selesaikan Pertikaian<\/a><\/td><\/tr><tr><td>19 October 2011<\/td><td>Borneo Post<\/td><td><a href=\"https:\/\/www.theborneopost.com\/2011\/10\/19\/centre-gives-alternative-exit-route-in-disputes-for-m%E2%80%99sian-retail-investors\/\" target=\"_blank\" rel=\"nofollow noopener\">Centre Gives Alternative Exit Route in Disputes for M\u2019sian Retail Investors<\/a><\/td><\/tr><tr><td>09 June 2011<\/td><td>The Star<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2011-06-09-The-Star-New-Avenue-to-Settle-Claims.pdf\" target=\"_blank\" rel=\"nofollow noopener\">New Avenue to Settle Claims<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-row\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-78e74c0\"><div class=\"elementor-column-wrap\">\u00a0<\/div><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-618e6f9 e-con-full e-flex e-con e-child\" data-id=\"618e6f9\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c006110 elementor-widget elementor-widget-heading\" data-id=\"c006110\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\nDR Magazine<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13bb652 elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"13bb652\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c875199\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-13bb652\">\n                        <a href=\"#collapse-578f3c469e3a2c875199\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c875199\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c875199\">\n                            \n                            <span class=\"ekit-accordion-title\">2020<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c875199\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-13bb652\" data-parent=\"#accordion-69e3a2c875199\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-384b3a6\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-d90f929 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h4 class=\"elementor-heading-title elementor-size-default\">DR#1 2020<\/h4><\/div><\/div><div class=\"elementor-element elementor-element-a7f417f elementor-widget elementor-widget-image\"><div class=\"elementor-widget-container\"><div class=\"elementor-image\"><a href=\"https:\/\/bit.ly\/SIDREC-DR-1-2020\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\" src=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S.jpg\" sizes=\"(max-width: 600px) 100vw, 600px\" srcset=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S.jpg 600w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S-212x300.jpg 212w\" alt=\"\" width=\"600\" height=\"850\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-21dc899\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-e1ccee0 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h4>\u00a0<\/h4><h4 class=\"elementor-heading-title elementor-size-default\">DR#2 2020<\/h4><\/div><\/div><div class=\"elementor-element elementor-element-c8f42ce elementor-widget elementor-widget-image\"><div class=\"elementor-widget-container\"><div class=\"elementor-image\"><a href=\"https:\/\/bit.ly\/SIDREC-DR-2-2020\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\" src=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-724x1024.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-724x1024.jpg 724w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-212x300.jpg 212w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-768x1086.jpg 768w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-1086x1536.jpg 1086w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S.jpg 1240w\" alt=\"\" width=\"640\" height=\"905\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-85df3fe\"><div class=\"elementor-column-wrap\">\u00a0<\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-13bb652\">\n                        <a href=\"#collapse-a1d62e669e3a2c875199\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a1d62e669e3a2c875199\" aria-expanded=\"false\" aria-controls=\"Collapse-a1d62e669e3a2c875199\">\n                            \n                            <span class=\"ekit-accordion-title\">2019<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a1d62e669e3a2c875199\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-13bb652\" data-parent=\"#accordion-69e3a2c875199\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-00c0823\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-cd240d5 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h4 class=\"elementor-heading-title elementor-size-default\">DR#1 2019<\/h4><\/div><\/div><div class=\"elementor-element elementor-element-d465a58 elementor-widget elementor-widget-image\"><div class=\"elementor-widget-container\"><div class=\"elementor-image\"><a href=\"https:\/\/bit.ly\/SIDREC-DR-1-2019\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-full size-full\" src=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2.jpg\" sizes=\"(max-width: 602px) 100vw, 602px\" srcset=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2-212x300.jpg 212w\" alt=\"\" width=\"602\" height=\"852\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-a196a68\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-d1f3877 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h4>\u00a0<\/h4><h4 class=\"elementor-heading-title elementor-size-default\">DR#2 2019<\/h4><\/div><\/div><div class=\"elementor-element elementor-element-0ebe0f8 elementor-widget elementor-widget-image\"><div class=\"elementor-widget-container\"><div class=\"elementor-image\"><a href=\"https:\/\/bit.ly\/SIDREC-DR-2-2019\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-full size-full\" src=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2.jpg\" sizes=\"(max-width: 602px) 100vw, 602px\" srcset=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2-212x300.jpg 212w\" alt=\"\" width=\"602\" height=\"852\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-49c9ec3\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-edfa500 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h4>\u00a0<\/h4><h4 class=\"elementor-heading-title elementor-size-default\">DR#3 2019<\/h4><\/div><\/div><div class=\"elementor-element elementor-element-8f1cd20 elementor-widget elementor-widget-image\"><div class=\"elementor-widget-container\"><div class=\"elementor-image\"><a href=\"https:\/\/bit.ly\/SIDREC-DR-3-2019\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-full size-full\" src=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3.jpg\" sizes=\"(max-width: 602px) 100vw, 602px\" srcset=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3-212x300.jpg 212w\" alt=\"\" width=\"602\" height=\"852\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"2020\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-384b3a6\\\"><div class=\\\"elementor-column-wrap elementor-element-populated\\\"><div class=\\\"elementor-widget-wrap\\\"><div class=\\\"elementor-element elementor-element-d90f929 elementor-widget elementor-widget-heading\\\"><div class=\\\"elementor-widget-container\\\"><h4 class=\\\"elementor-heading-title elementor-size-default\\\">DR#1 2020<\/h4><\/div><\/div><div class=\\\"elementor-element elementor-element-a7f417f elementor-widget elementor-widget-image\\\"><div class=\\\"elementor-widget-container\\\"><div class=\\\"elementor-image\\\"><a href=\\\"https:\/\/bit.ly\/SIDREC-DR-1-2020\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><img class=\\\"attachment-large size-large\\\" src=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S.jpg\\\" sizes=\\\"(max-width: 600px) 100vw, 600px\\\" srcset=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S.jpg 600w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S-212x300.jpg 212w\\\" alt=\\\"\\\" width=\\\"600\\\" height=\\\"850\\\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-21dc899\\\"><div class=\\\"elementor-column-wrap elementor-element-populated\\\"><div class=\\\"elementor-widget-wrap\\\"><div class=\\\"elementor-element elementor-element-e1ccee0 elementor-widget elementor-widget-heading\\\"><div class=\\\"elementor-widget-container\\\"><h4>\u00a0<\/h4><h4 class=\\\"elementor-heading-title elementor-size-default\\\">DR#2 2020<\/h4><\/div><\/div><div class=\\\"elementor-element elementor-element-c8f42ce elementor-widget elementor-widget-image\\\"><div class=\\\"elementor-widget-container\\\"><div class=\\\"elementor-image\\\"><a href=\\\"https:\/\/bit.ly\/SIDREC-DR-2-2020\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><img class=\\\"attachment-large size-large\\\" src=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-724x1024.jpg\\\" sizes=\\\"(max-width: 640px) 100vw, 640px\\\" srcset=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-724x1024.jpg 724w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-212x300.jpg 212w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-768x1086.jpg 768w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-1086x1536.jpg 1086w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S.jpg 1240w\\\" alt=\\\"\\\" width=\\\"640\\\" height=\\\"905\\\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-85df3fe\\\"><div class=\\\"elementor-column-wrap\\\">\u00a0<\/div><\/div>\"}},{\"@type\":\"Question\",\"name\":\"2019\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-00c0823\\\"><div class=\\\"elementor-column-wrap elementor-element-populated\\\"><div class=\\\"elementor-widget-wrap\\\"><div class=\\\"elementor-element elementor-element-cd240d5 elementor-widget elementor-widget-heading\\\"><div class=\\\"elementor-widget-container\\\"><h4 class=\\\"elementor-heading-title elementor-size-default\\\">DR#1 2019<\/h4><\/div><\/div><div class=\\\"elementor-element elementor-element-d465a58 elementor-widget elementor-widget-image\\\"><div class=\\\"elementor-widget-container\\\"><div class=\\\"elementor-image\\\"><a href=\\\"https:\/\/bit.ly\/SIDREC-DR-1-2019\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><img class=\\\"attachment-full size-full\\\" src=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2.jpg\\\" sizes=\\\"(max-width: 602px) 100vw, 602px\\\" srcset=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2-212x300.jpg 212w\\\" alt=\\\"\\\" width=\\\"602\\\" height=\\\"852\\\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-a196a68\\\"><div class=\\\"elementor-column-wrap elementor-element-populated\\\"><div class=\\\"elementor-widget-wrap\\\"><div class=\\\"elementor-element elementor-element-d1f3877 elementor-widget elementor-widget-heading\\\"><div class=\\\"elementor-widget-container\\\"><h4>\u00a0<\/h4><h4 class=\\\"elementor-heading-title elementor-size-default\\\">DR#2 2019<\/h4><\/div><\/div><div class=\\\"elementor-element elementor-element-0ebe0f8 elementor-widget elementor-widget-image\\\"><div class=\\\"elementor-widget-container\\\"><div class=\\\"elementor-image\\\"><a href=\\\"https:\/\/bit.ly\/SIDREC-DR-2-2019\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><img class=\\\"attachment-full size-full\\\" src=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2.jpg\\\" sizes=\\\"(max-width: 602px) 100vw, 602px\\\" srcset=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2-212x300.jpg 212w\\\" alt=\\\"\\\" width=\\\"602\\\" height=\\\"852\\\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-49c9ec3\\\"><div class=\\\"elementor-column-wrap elementor-element-populated\\\"><div class=\\\"elementor-widget-wrap\\\"><div class=\\\"elementor-element elementor-element-edfa500 elementor-widget elementor-widget-heading\\\"><div class=\\\"elementor-widget-container\\\"><h4>\u00a0<\/h4><h4 class=\\\"elementor-heading-title elementor-size-default\\\">DR#3 2019<\/h4><\/div><\/div><div class=\\\"elementor-element elementor-element-8f1cd20 elementor-widget elementor-widget-image\\\"><div class=\\\"elementor-widget-container\\\"><div class=\\\"elementor-image\\\"><a href=\\\"https:\/\/bit.ly\/SIDREC-DR-3-2019\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><img class=\\\"attachment-full size-full\\\" src=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3.jpg\\\" sizes=\\\"(max-width: 602px) 100vw, 602px\\\" srcset=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3-212x300.jpg 212w\\\" alt=\\\"\\\" width=\\\"602\\\" height=\\\"852\\\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1bfbc8e e-con-full e-flex e-con e-child\" data-id=\"1bfbc8e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b715055 elementor-widget elementor-widget-heading\" data-id=\"b715055\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Brochures &amp; Posters<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c963c60 elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"c963c60\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3a2c877988\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-c963c60\">\n                        <a href=\"#collapse-578f3c469e3a2c877988\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3a2c877988\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3a2c877988\">\n                            \n                            <span class=\"ekit-accordion-title\">For Investors<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3a2c877988\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-c963c60\" data-parent=\"#accordion-69e3a2c877988\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>SIDREC Dispute Resolution Process Flow<br \/>(<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-English-Web-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-BM-Web-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-Chinese-Web-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-Tamil-Web-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Tamil<\/a>)<\/p><p>SIDREC Frequently Asked Questions (FAQs)<br \/>(<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-ENG-Public-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-BM-Public-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Mandarin-Public-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Tamil-Public-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Tamil<\/a>)<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-c963c60\">\n                        <a href=\"#collapse-a1d62e669e3a2c877988\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a1d62e669e3a2c877988\" aria-expanded=\"false\" aria-controls=\"Collapse-a1d62e669e3a2c877988\">\n                            \n                            <span class=\"ekit-accordion-title\">For SIDREC Members (for Print)<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a1d62e669e3a2c877988\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-c963c60\" data-parent=\"#accordion-69e3a2c877988\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>SIDREC Frequently Asked Questions (FAQs)<br \/>(<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Eng-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-BM-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Man-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Tamil-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Tamil<\/a>)<\/p><p>SIDREC Poster<br \/>(<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-BPoster-ENG-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-BPoster-BM-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Malay<\/a>)<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"For Investors\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>SIDREC Dispute Resolution Process Flow<br \/>(<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-English-Web-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">English<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-BM-Web-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Malay<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-Chinese-Web-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Mandarin<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-Tamil-Web-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Tamil<\/a>)<\/p><p>SIDREC Frequently Asked Questions (FAQs)<br \/>(<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-ENG-Public-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">English<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-BM-Public-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Malay<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Mandarin-Public-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Mandarin<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Tamil-Public-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Tamil<\/a>)<\/p>\"}},{\"@type\":\"Question\",\"name\":\"For SIDREC Members (for Print)\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>SIDREC Frequently Asked Questions (FAQs)<br \/>(<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Eng-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">English<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-BM-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Malay<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Man-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Mandarin<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Tamil-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Tamil<\/a>)<\/p><p>SIDREC Poster<br \/>(<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-BPoster-ENG-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">English<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-BPoster-BM-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Malay<\/a>)<\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/p>                        <\/div>\n                    <\/div>\n                                \n            <\/div>\n                    <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d082879 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-heading\" data-id=\"d082879\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Audio<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7dfdb3 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-elementskit-accordion\" data-id=\"e7dfdb3\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3e1f8188d5\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-e7dfdb3\">\n                        <a href=\"#collapse-578f3c469e3e1f8188d5\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3e1f8188d5\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3e1f8188d5\">\n                            \n                            <span class=\"ekit-accordion-title\">Astro Radio Commercial<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3e1f8188d5\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-e7dfdb3\" data-parent=\"#accordion-69e3e1f8188d5\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Astro Radio Commercial (<a href=\"https:\/\/www.fmos.org.my\/file\/files\/OMBUDSMAN%20(ENG).mp3\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.fmos.org.my\/file\/files\/OMBUDSMAN%20(BM).mp3\" target=\"_blank\" rel=\"noopener\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.fmos.org.my\/file\/files\/OMBUDSMAN%20(CHI).mp3\" target=\"_blank\" rel=\"noopener\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.fmos.org.my\/file\/files\/OMBUDSMAN%20(TAM).mp3\" target=\"_blank\" rel=\"noopener\">Tamil<\/a>)<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-e7dfdb3\">\n                        <a href=\"#collapse-68a3bf669e3e1f8188d5\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-68a3bf669e3e1f8188d5\" aria-expanded=\"true\" aria-controls=\"Collapse-68a3bf669e3e1f8188d5\">\n                            \n                            <span class=\"ekit-accordion-title\">BFM Interview<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-68a3bf669e3e1f8188d5\" class=\" show collapse\" aria-labelledby=\"primaryHeading-1-e7dfdb3\" data-parent=\"#accordion-69e3e1f8188d5\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>BFM Interview (<a href=\"https:\/\/www.fmos.org.my\/file\/files\/BFM%20Interview%20Part%20I.mp3\" target=\"_blank\" rel=\"noopener\">Part I<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.fmos.org.my\/file\/files\/BFM%20Interview%20Part%20II.mp3\" target=\"_blank\" rel=\"noopener\">Part II<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.fmos.org.my\/file\/files\/BFM%20Interview%20Part%20III.mp3\" target=\"_blank\" rel=\"noopener\">Part III<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.fmos.org.my\/file\/files\/BFM%20Interview%20Part%20IV.mp3\" target=\"_blank\" rel=\"noopener\">Part IV<\/a>)<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aa556e7 e-con-full elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"aa556e7\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-12321df e-con-full e-flex e-con e-child\" data-id=\"12321df\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68cbe7a elementor-widget-tablet__width-initial elementor-widget-mobile__width-auto elementor-widget elementor-widget-heading\" data-id=\"68cbe7a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Constitution<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1edb96c elementor-widget__width-inherit elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1edb96c\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0dbb38f elementor-widget elementor-widget-button\" data-id=\"0dbb38f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b2280f e-con-full e-flex e-con e-child\" data-id=\"6b2280f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c33dad elementor-widget-tablet__width-initial elementor-widget-mobile__width-auto elementor-widget elementor-widget-heading\" data-id=\"0c33dad\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Rules of the Financial Markets Ombudsman Service<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac79cf9 elementor-widget__width-inherit elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ac79cf9\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96c5d86 elementor-widget elementor-widget-button\" data-id=\"96c5d86\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9463d34 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"9463d34\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b6a58a8 e-flex e-con-boxed e-con e-child\" data-id=\"b6a58a8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c932b3 elementor-widget elementor-widget-heading\" data-id=\"6c932b3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SIDREC<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcee4d1 elementor-widget elementor-widget-heading\" data-id=\"bcee4d1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Annual Report - SIDREC<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc5443e elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"cc5443e\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3e1f81d60f\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-cc5443e\">\n                        <a href=\"#collapse-578f3c469e3e1f81d60f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3e1f81d60f\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3e1f81d60f\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2023<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3e1f81d60f\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-cc5443e\" data-parent=\"#accordion-69e3e1f81d60f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/03\/SIDREC-Annual-Report-2023.pdf\">SIDREC Annual Report 2023<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-cc5443e\">\n                        <a href=\"#collapse-68a3bf669e3e1f81d60f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-68a3bf669e3e1f81d60f\" aria-expanded=\"false\" aria-controls=\"Collapse-68a3bf669e3e1f81d60f\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2022<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-68a3bf669e3e1f81d60f\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-cc5443e\" data-parent=\"#accordion-69e3e1f81d60f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2023\/03\/SIDREC-Annual-Report-2022.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2022<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-cc5443e\">\n                        <a href=\"#collapse-fc0e21969e3e1f81d60f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-fc0e21969e3e1f81d60f\" aria-expanded=\"false\" aria-controls=\"Collapse-fc0e21969e3e1f81d60f\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2021<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-fc0e21969e3e1f81d60f\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-cc5443e\" data-parent=\"#accordion-69e3e1f81d60f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2022\/03\/SIDREC-Annual-Report-2021.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2021<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-cc5443e\">\n                        <a href=\"#collapse-eaaa7cf69e3e1f81d60f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-eaaa7cf69e3e1f81d60f\" aria-expanded=\"false\" aria-controls=\"Collapse-eaaa7cf69e3e1f81d60f\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2020<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-eaaa7cf69e3e1f81d60f\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-cc5443e\" data-parent=\"#accordion-69e3e1f81d60f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2021\/03\/SIDREC-Annual-Report-2020-Digital.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2020<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-cc5443e\">\n                        <a href=\"#collapse-88ef93369e3e1f81d60f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-88ef93369e3e1f81d60f\" aria-expanded=\"false\" aria-controls=\"Collapse-88ef93369e3e1f81d60f\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2019<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-88ef93369e3e1f81d60f\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-cc5443e\" data-parent=\"#accordion-69e3e1f81d60f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/03\/SIDREC-AR-Digital-2019.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2019<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-cc5443e\">\n                        <a href=\"#collapse-92c9b1e69e3e1f81d60f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-92c9b1e69e3e1f81d60f\" aria-expanded=\"false\" aria-controls=\"Collapse-92c9b1e69e3e1f81d60f\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2018<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-92c9b1e69e3e1f81d60f\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-cc5443e\" data-parent=\"#accordion-69e3e1f81d60f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC-AR-2018-Digital.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2018<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-cc5443e\">\n                        <a href=\"#collapse-bb0cc9469e3e1f81d60f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bb0cc9469e3e1f81d60f\" aria-expanded=\"false\" aria-controls=\"Collapse-bb0cc9469e3e1f81d60f\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2017<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bb0cc9469e3e1f81d60f\" class=\" collapse\" aria-labelledby=\"primaryHeading-6-cc5443e\" data-parent=\"#accordion-69e3e1f81d60f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC-Annual-Report-2017.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2017<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-cc5443e\">\n                        <a href=\"#collapse-a9eb27069e3e1f81d60f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a9eb27069e3e1f81d60f\" aria-expanded=\"false\" aria-controls=\"Collapse-a9eb27069e3e1f81d60f\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2016<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a9eb27069e3e1f81d60f\" class=\" collapse\" aria-labelledby=\"primaryHeading-7-cc5443e\" data-parent=\"#accordion-69e3e1f81d60f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC-Annual-Report-2016.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2016<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-cc5443e\">\n                        <a href=\"#collapse-7cac28d69e3e1f81d60f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7cac28d69e3e1f81d60f\" aria-expanded=\"false\" aria-controls=\"Collapse-7cac28d69e3e1f81d60f\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2015<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7cac28d69e3e1f81d60f\" class=\" collapse\" aria-labelledby=\"primaryHeading-8-cc5443e\" data-parent=\"#accordion-69e3e1f81d60f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC-Annual-Report-2015.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2015<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-cc5443e\">\n                        <a href=\"#collapse-b6c8bcc69e3e1f81d60f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-b6c8bcc69e3e1f81d60f\" aria-expanded=\"false\" aria-controls=\"Collapse-b6c8bcc69e3e1f81d60f\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2014<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-b6c8bcc69e3e1f81d60f\" class=\" collapse\" aria-labelledby=\"primaryHeading-9-cc5443e\" data-parent=\"#accordion-69e3e1f81d60f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC_AD_2014-V2-3.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2014<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-10-cc5443e\">\n                        <a href=\"#collapse-3c4931e69e3e1f81d60f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3c4931e69e3e1f81d60f\" aria-expanded=\"false\" aria-controls=\"Collapse-3c4931e69e3e1f81d60f\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2013<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3c4931e69e3e1f81d60f\" class=\" collapse\" aria-labelledby=\"primaryHeading-10-cc5443e\" data-parent=\"#accordion-69e3e1f81d60f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/FInal-SIDREC-Mid-res.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2013<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-11-cc5443e\">\n                        <a href=\"#collapse-97feee369e3e1f81d60f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-97feee369e3e1f81d60f\" aria-expanded=\"false\" aria-controls=\"Collapse-97feee369e3e1f81d60f\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2012<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-97feee369e3e1f81d60f\" class=\" collapse\" aria-labelledby=\"primaryHeading-11-cc5443e\" data-parent=\"#accordion-69e3e1f81d60f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/SIDREC_web.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2012<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-12-cc5443e\">\n                        <a href=\"#collapse-14913b769e3e1f81d60f\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-14913b769e3e1f81d60f\" aria-expanded=\"false\" aria-controls=\"Collapse-14913b769e3e1f81d60f\">\n                            \n                            <span class=\"ekit-accordion-title\">SIDREC Annual Report 2011<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-14913b769e3e1f81d60f\" class=\" collapse\" aria-labelledby=\"primaryHeading-12-cc5443e\" data-parent=\"#accordion-69e3e1f81d60f\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><a title=\"Memorandum and Article of Association\" href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/AR2011finalV02.pdf\" target=\"_blank\" rel=\"noopener\">SIDREC Annual Report 2011<\/a><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d30597d elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"d30597d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e142016 e-flex e-con-boxed e-con e-child\" data-id=\"e142016\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c235f6d elementor-widget elementor-widget-heading\" data-id=\"c235f6d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Media<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24fcea7 elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"24fcea7\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3e1f81fe06\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-24fcea7\">\n                        <a href=\"#collapse-578f3c469e3e1f81fe06\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3e1f81fe06\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3e1f81fe06\">\n                            \n                            <span class=\"ekit-accordion-title\"> Press Release<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3e1f81fe06\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-24fcea7\" data-parent=\"#accordion-69e3e1f81fe06\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-element elementor-element-c141520 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6 class=\"elementor-heading-title elementor-size-default\">2023<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-374f842 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"normal-list\"><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2023\/03\/Media-Statement-SIDREC-AR2022.pdf\">27 March 2023 \u2013 SIDREC\u2019s Dispute Resolution Services Gain Traction as Investor Awareness Grows<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-84287b5 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2022<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-a45ac15 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"normal-list\"><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/03\/Media-Statement-SIDREC-AR2021.pdf\">29 March 2022 \u2013 SIDREC continues to resolve capital market-related monetary disputes despite the pandemic (English)<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/03\/Siaran-Akhbar-SIDREC-AR2021.pdf\">29 March 2022 \u2013 SIDREC terus tekad menyelesaikan pertikaian kewangan berkaitan pasaran modal dalam pandemik (Bahasa Malaysia)<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-596b108 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2019<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-5cc085a elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"normal-list\"><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/2019-12-05-Media-Release-Sharmila-Sharma.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">5 Dec 2019 \u2013 SIDREC Appoints New CEO<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/2019-06-21-SIDREC-MR-SIDREC-CSR-with-KDU-English.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">13 Jun 2019 \u2013 Taking CSR to Another Level (English)<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/2019-06-17-SIDREC-MR-Mandarin.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">13 Jun 2019 \u2013 Taking CSR to Another Level (Mandarin)<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-178bab2 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2018<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-d080cd8 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"normal-list\"><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/2018-04-16-Media-Release_SIDREC-expands-purview-can-handle-claims-above-RM250000.pdf\" target=\"_blank\" rel=\"noopener\">16 Apr 2018 \u2013 SIDREC Expands Purview, Can Now Handle Claims Above RM250,000<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/2018-04-16-Siaran-Media_SIDREC-perluas-bidang-kuasa-boleh-kendali-tuntutan-melebihi-RM250000.pdf\" target=\"_blank\" rel=\"noopener\">16 Apr 2018 \u2013 SIDREC Perluas Bidang Kuasa, Mampu Kendali Tuntutan Melebihi RM250,000<\/a><\/li><\/ul><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-24fcea7\">\n                        <a href=\"#collapse-487e8f169e3e1f81fe06\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-487e8f169e3e1f81fe06\" aria-expanded=\"false\" aria-controls=\"Collapse-487e8f169e3e1f81fe06\">\n                            \n                            <span class=\"ekit-accordion-title\">Radio Broadcast<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-487e8f169e3e1f81fe06\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-24fcea7\" data-parent=\"#accordion-69e3e1f81fe06\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-element elementor-element-3af7528 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6 class=\"elementor-heading-title elementor-size-default\">BFM 89.9: SIDREC Chairman\u2019s interview for Ringgit &amp; Sense on the BFM Morning Run<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-10df485 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/09\/Part-1-SIDREC-Background.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 1: SIDREC background<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/09\/Part-2-Misconception-regarding-SIDREC-and-how-SIDREC-handling-cases.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 2: Misconception regarding SIDREC and how SIDREC handling cases<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/09\/Part-3-How-SIDREC-Conducts-Case-Management.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 3: How SIDREC conducts case management<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/09\/Part-4-Capital-Market-Possible-Disputes-Scenarios.mp3\" target=\"_blank\" rel=\"noopener\">Part 4: Capital market possible disputes scenarios<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-7a468c6 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">BFM 89.9: The Marketplace Radio Interviews<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-4c4fc5b elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/1-Free-fair-help-for-investors.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 1: Free &amp; fair help for investors<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/2-Why-disputes-happen.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 2: Why disputes happen<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/3-How-SIDREC-deals-with-disputes.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 3: How SIDREC deals with disputes<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/4-Understand-fintech-to-avoid-problems.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 4: Understand Fintech to avoid problems<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/5-Paper-trail-other-tips-to-avoid-disputes.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 5: Paper trail &amp; other tips to avoid disputes<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/6-Know-your-risk-profile-investment.mp3\" target=\"_blank\" rel=\"noopener noreferrer\">Part 6: Know your risk profile &amp; investment<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-591a745 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">LITE.FM<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-7d56e0d elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/101218-SIDREC-LITE-Time-Limit-to-Complaint.wav\" target=\"_blank\" rel=\"noopener noreferrer\">How long does it take to resolve a case?<\/a><\/li><li><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/01\/101218-SIDREC-LITE-Case-Duration.wav\" target=\"_blank\" rel=\"noopener noreferrer\">Is there a time limit for making a complaint to SIDREC?<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-b806fb8 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">Melody FM<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-752b285 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/youtu.be\/nBwXNKgAzds\" target=\"_blank\" rel=\"noopener\">Do You Understand SIDREC\u2019s Dispute Resolution Process?<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-7ad4fa4 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">CityPlus FM106<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-eb4364e elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"http:\/\/cityplusfm.my\/%E4%BB%96%E4%B8%8D%E5%B0%8F%E5%BF%83%E5%8D%96%E6%8E%89%E6%88%91%E7%9A%84%E8%82%A1%E7%A5%A8\/\">He Accidentally Sold My Shares!<\/a><\/li><\/ul><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-24fcea7\">\n                        <a href=\"#collapse-fb0ae5d69e3e1f81fe06\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-fb0ae5d69e3e1f81fe06\" aria-expanded=\"false\" aria-controls=\"Collapse-fb0ae5d69e3e1f81fe06\">\n                            \n                            <span class=\"ekit-accordion-title\"> Radio Advertisements<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-fb0ae5d69e3e1f81fe06\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-24fcea7\" data-parent=\"#accordion-69e3e1f81fe06\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-element elementor-element-b8a8857 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6 class=\"elementor-heading-title elementor-size-default\">2018<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-d540c81 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li>Astro: Call SIDREC<br \/>(<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2018-Call-SIDREC-English.mp3\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2018-Call-SIDREC-Malay.mp3\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2018-Call-SIDREC-Mandarin.mp3\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2018-Call-SIDREC-Tamil.mp3\">Tamil<\/a>)<\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-67e1b0e elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2017<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-6c93bb9 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2017-Call-SIDREC-English.mp3\">Call SIDREC<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2017-Dispute-Resolution-Before-SIDREC-English.mp3\">Dispute Resolution Before SIDREC<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-133ae5a elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2016<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-66d4157 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li>Go to SIDREC<br \/>(<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-Go-to-SIDREC-English.mp3\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-Go-to-SIDREC-Malay.mp3\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-Go-to-SIDREC-Mandarin.mp3\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-Go-to-SIDREC-Tamil.mp3\">Tamil<\/a>)<\/li><li>No Sure Thing<br \/>(<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-SIDREC-No-Sure-Thing-English.mp3\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-SIDREC-No-Sure-Thing-Malay.mp3\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-SIDREC-No-Sure-Thing-Mandarin.mp3\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2016-SIDREC-No-Sure-Thing-Tamil.mp3\">Tamil<\/a>)<\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-64894ac elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2014<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-f542970 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2014-SIDREC-BFM-01.mp3\">BFM 1<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2014-SIDREC-BFM-02.mp3\">BFM 2<\/a><\/li><\/ul><\/div><\/div><\/div><div class=\"elementor-element elementor-element-e3d1dc3 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2013<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-8b48f41 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2013-SIDREC-BFM-01.mp3\">BFM 1<\/a><\/li><li><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2021\/06\/2013-SIDREC-BFM-02.mp3\">BFM 2<\/a><\/li><\/ul><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-24fcea7\">\n                        <a href=\"#collapse-86a922669e3e1f81fe06\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-86a922669e3e1f81fe06\" aria-expanded=\"false\" aria-controls=\"Collapse-86a922669e3e1f81fe06\">\n                            \n                            <span class=\"ekit-accordion-title\">Video Broadcast<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-86a922669e3e1f81fe06\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-24fcea7\" data-parent=\"#accordion-69e3e1f81fe06\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-element elementor-element-47008ea elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6 class=\"elementor-heading-title elementor-size-default\">Money Money Home<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-1233ec7 elementor-widget elementor-widget-text-editor\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><ul class=\"multi-column-list-3\"><li><a href=\"https:\/\/www.youtube.com\/embed\/g2-gFK6V0U4?rel=0\" target=\"_blank\" rel=\"noopener noreferrer\">Money Money Home Part 1<\/a><\/li><li><a href=\"https:\/\/www.youtube.com\/embed\/fA-IX1HGjAA?rel=0\" target=\"_blank\" rel=\"noopener noreferrer\">Money Money Home Part 2<\/a><\/li><\/ul><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-24fcea7\">\n                        <a href=\"#collapse-85b39bf69e3e1f81fe06\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-85b39bf69e3e1f81fe06\" aria-expanded=\"false\" aria-controls=\"Collapse-85b39bf69e3e1f81fe06\">\n                            \n                            <span class=\"ekit-accordion-title\">Print Media<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-85b39bf69e3e1f81fe06\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-24fcea7\" data-parent=\"#accordion-69e3e1f81fe06\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-container elementor-column-gap-no\"><div class=\"elementor-row\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b465bdf\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-cc412ea elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6 class=\"elementor-heading-title elementor-size-default\">2024<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-4273a9c elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>22 July 2024<\/td><td>The Malaysian Reserve<\/td><td><a href=\"https:\/\/themalaysianreserve.com\/2024\/07\/19\/mof-bnm-sc-to-establish-integrated-dispute-resolution-scheme-in-2025\/\" target=\"_blank\" rel=\"nofollow noopener\">MOF: BNM, SC to establish integrated dispute resolution scheme in 2025<\/a><\/td><\/tr><tr><td>19 July 2024<\/td><td>The Star<\/td><td><a href=\"https:\/\/www.thestar.com.my\/business\/business-news\/2024\/07\/19\/bank-negara-sc-to-establish-integrated-dispute-resolution-scheme-in-2025---mof\" target=\"_blank\" rel=\"nofollow noopener\">Bank Negara, SC to establish integrated dispute resolution scheme in 2025 - MoF<\/a><\/td><\/tr><tr><td>19 July 2024<\/td><td>The Edge Malaysia<\/td><td><a href=\"https:\/\/theedgemalaysia.com\/node\/719588\" target=\"_blank\" rel=\"nofollow noopener\">BNM, SC to establish integrated dispute resolution scheme in 2025<\/a><\/td><\/tr><tr><td>18 July 2024<\/td><td>BERNAMA<\/td><td><a href=\"https:\/\/www.bernama.com\/en\/news.php?id=2319384\" target=\"_blank\" rel=\"nofollow noopener\">BNM, SC TO ESTABLISH INTEGRATED DISPUTE RESOLUTION SCHEME IN 2025 - MOF<\/a><\/td><\/tr><tr><td>8 May 2024<\/td><td>BERNAMA<\/td><td><a href=\"https:\/\/www.bernama.com\/en\/business\/news.php?id=2295435\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC: NUMBER OF CLAIMS, ENQUIRIES RECEIVED UP 11 PCT TO 266 IN 2023<\/a><\/td><\/tr><tr><td>8 May 2024<\/td><td>The Star<\/td><td><a href=\"https:\/\/www.thestar.com.my\/business\/business-news\/2024\/05\/08\/sidrec-number-of-claims-enquiries-received-up-11-to-266-in-2023\" target=\"_blank\" rel=\"nofollow noopener\">Sidrec: Number of claims, enquiries received up 11% to 266 in 2023<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-287a5f7 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2023<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-7cacb11 elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>28 March 2023<\/td><td>StarBiz<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2023\/03\/StarBiz-SIDREC-gets-239-claims-and-enquiries-in-2022.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Sidrec gets 239 claims and enquiries in 2022<\/a><\/td><\/tr><tr><td>27 March 2023<\/td><td>BuletinTV3<\/td><td><a href=\"https:\/\/www.buletintv3.my\/detik-niaga\/laporan-sc-usaha-lindungi-pelabur-dengan-pendekatan-menyeluruh-pelbagai-hala-diteruskan\/\" target=\"_blank\" rel=\"nofollow noopener\">Laporan SC: Usaha lindungi pelabur dengan pendekatan menyeluruh pelbagai hala diteruskan<\/a><\/td><\/tr><tr><td>27 March 2023<\/td><td>BERNAMA<\/td><td><a href=\"https:\/\/www.bernama.com\/en\/business\/news.php?id=2176524\" target=\"_blank\" rel=\"nofollow noopener\">SC CONTINUE EFFORT IN PROTECTING INVESTORS WITH HOLISTIC MULTI-PRONGED APPROACH<\/a><\/td><\/tr><tr><td>27 March 2023<\/td><td>Business Today<\/td><td><a href=\"https:\/\/www.businesstoday.com.my\/2023\/03\/27\/sidrec-provides-options-for-investors-to-settle-monetary-disputes\/\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Provides Options For Investors To Settle Monetary Disputes<\/a><\/td><\/tr><tr><td>27 March 2023<\/td><td>MalayMail<\/td><td><a href=\"https:\/\/www.malaymail.com\/news\/malaysia\/2023\/03\/27\/sidrec-provides-alternative-dispute-resolution-services-for-investors\/61782\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC provides alternative dispute resolution services for investors<\/a><\/td><\/tr><tr><td>27 March 2023<\/td><td>BERNAMA<\/td><td><a href=\"https:\/\/www.bernama.com\/v2\/en\/business\/news.php?id=2176654#:~:text=SIDREC%20PROVIDES%20ALTERNATIVE%20DISPUTE%20RESOLUTION%20SERVICES%20FOR%20INVESTORS,-AddThis%20Sharing%20Buttons&amp;text=KUALA%20LUMPUR%2C%20March%2027%20(Bernama,Dispute%20Resolution%20Centre%20(SIDREC).\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC PROVIDES ALTERNATIVE DISPUTE RESOLUTION SERVICES FOR INVESTORS<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-c28952d elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2022<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-e70e328 elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>7 November 2022<\/td><td>The Edge Market<\/td><td><a href=\"https:\/\/www.theedgemarkets.com\/article\/intheknow-what-consumer-credit-act\" target=\"_blank\" rel=\"nofollow noopener\">InTheKnow: What is the Consumer Credit Act?<\/a><\/td><\/tr><tr><td>5 November 2022<\/td><td>Ipoh Echo<\/td><td><a href=\"https:\/\/www.ipohecho.com.my\/2022\/11\/04\/sidrec-resolution-of-consumer-financial-disputes-outside-the-courtroom\/\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC: Resolution of Consumer Financial Disputes Outside the Courtroom<\/a><\/td><\/tr><tr><td>27 June 2022<\/td><td>The Edge Market<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/06\/CEOs-Interview-with-The-Edge.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Sidrec saw spike in investor complaints in 2020 amid retail boom<\/a><\/td><\/tr><tr><td>27 May 2022<\/td><td>Ringgit | Rakan Kewangan Anda<\/td><td><a href=\"https:\/\/www.virtualpaper.pro\/index.php?route=mag\/article&amp;tracking=Ringgit002&amp;a_id=1086\" target=\"_blank\" rel=\"nofollow noopener\">Penyelesaian Pertikaian Kewangan Alternatif Dan Tabiat Bijak Dalam Pelaburan<\/a><\/td><\/tr><tr><td>13 April 2022<\/td><td>New Straits Times<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/04\/2022-04-13-Protection-for-Investors.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Protection for investors<\/a><\/td><\/tr><tr><td>30 March 2022<\/td><td>The Sun<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/03\/The-Sun-Mediation-gains-ground.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Mediation gains ground as avenue for resolving disputes<\/a><\/td><\/tr><tr><td>30 March 2022<\/td><td>The Sun Daily<\/td><td><a href=\"https:\/\/www.thesundaily.my\/home\/sidrec-mediation-gains-ground-as-alternative-way-to-resolve-disputes-CY9010567\" target=\"_blank\" rel=\"nofollow noopener\">Sidrec: Mediation gains ground as alternative way to resolve disputes<\/a><\/td><\/tr><tr><td>30 March 2022<\/td><td>The Star<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2022\/03\/2022-03-30-SIDRECs-articles-in-STARBIZ.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Sidrec: High number of disputes settled out of court<\/a><\/td><\/tr><tr><td>27 March 2022<\/td><td>The Star<\/td><td><a href=\"https:\/\/www.thestar.com.my\/news\/nation\/2022\/03\/27\/money-lessons-to-avoid-financial-regrets-in-old-age\" target=\"_blank\" rel=\"nofollow noopener\">Money lessons to avoid financial regrets in old age<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-ea82fa6 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2020-2021<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-e35ce7e elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>14 June 2021<\/td><td>Utusan Malaysia<\/td><td><a href=\"https:\/\/www.utusan.com.my\/ekonomi\/2021\/06\/urus-pertikaian-pasaran-modal-secara-mediasi\/\" target=\"_blank\" rel=\"nofollow noopener\">Urus Pertikaian Pasaran Modal Secara Mediasi<\/a><\/td><\/tr><tr><td>18 March 2021<\/td><td>The Edge Markets<\/td><td><a href=\"https:\/\/www.theedgemarkets.com\/article\/investor-complaints-enquiries-jumped-70-2020-%E2%80%94-sc\" target=\"_blank\" rel=\"nofollow noopener\">Investor complaints, enquiries jumped 70% in 2020 \u2014 SC<\/a><\/td><\/tr><tr><td>21 December 2020<\/td><td>Nanyang Siang Pau<\/td><td><a href=\"https:\/\/enanyang.my\/node\/373686\" target=\"_blank\" rel=\"nofollow noopener\">Digital Investment Disputes and Resolution<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-f65eeb8 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2019<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-5187002 elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>09 December 2019<\/td><td>The Malaysian Reserve<\/td><td><a href=\"https:\/\/themalaysianreserve.com\/2019\/12\/09\/sidrec-appoints-new-ceo\/\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Appoints New CEO<\/a><\/td><\/tr><tr><td>11 September 2019<\/td><td>Sin Chew Jit Poh (KL)<\/td><td><a href=\"https:\/\/www.sinchew.com.my\/content\/content_2114166.html?fbclid=IwAR19LYP35uJFoPGFxguebRlgNxhijCLZA7_LGuL1FkgpNCJGj9zEpBSe47w\" target=\"_blank\" rel=\"nofollow noopener\">More Than 400 Disputes and Enquiries in 2018<\/a><\/td><\/tr><tr><td>13 July 2019<\/td><td>China Press<\/td><td><a href=\"https:\/\/www.chinapress.com.my\/?p=1631855\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC CEO Overcomes Challenges to Go Forward<\/a><\/td><\/tr><tr><td>26 June 2019<\/td><td>Nanyang Siang Pau<\/td><td><a href=\"https:\/\/www.enanyang.my\/news\/20190626\/%E5%85%A8%E9%A9%AC%E9%A6%96%E4%B8%AA%E8%B4%A2%E5%8A%A1csr%E8%AF%BE%E7%A8%8Bbr%E4%BC%A0%E6%8E%88%E9%87%91%E8%9E%8D%E5%8F%8A%E6%8A%95%E8%B5%84%E7%9F%A5%E8%AF%86\" target=\"_blank\" rel=\"nofollow noopener\">Malaysia\u2019s First Investment Literacy CSR Programme<\/a><\/td><\/tr><tr><td>15 June 2019<\/td><td>Daily Express<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Daily-Express.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Towards Smart Investing<\/a><\/td><\/tr><tr><td>13 June 2019<\/td><td>See Hua Daily News<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/See-Hua-Daily-News.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Engaging with Rotary Clubs and the KKCCCI to Promote ADR<\/a><\/td><\/tr><tr><td>13 June 2019<\/td><td>Sin Chew Jit Poh (Sabah)<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Sin-Chew-jit-Poh-Sabah.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC to Promote ADR in Conjunction with Bersama InvestSmart @ Borneo<\/a><\/td><\/tr><tr><td>12 June 2019<\/td><td>Asia Times<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Asia-Times.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC to Promote ADR in Sabah<\/a><\/td><\/tr><tr><td>12 June 2019<\/td><td>Overseas Chinese Daily<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Overseas-Chinese-Daily.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Seeking Tie-Ups with the KKCCCI to Promote ADR<\/a><\/td><\/tr><tr><td>12 June 2019<\/td><td>China Press<\/td><td><a href=\"https:\/\/www.chinapress.com.my\/20190611\/%E5%9B%BD%E4%BA%BA%E8%B4%AA%E6%96%B9%E4%BE%BF%E6%83%B9%E7%A5%B8-%E4%B9%B1%E9%80%8F%E9%9C%B2%E5%AF%86%E7%A0%81-%E5%BC%95%E6%8A%95%E8%B5%84%E7%BA%A0%E7%BA%B7\/\" target=\"_blank\" rel=\"nofollow noopener\">Don\u2019t Give Away Online Passwords<\/a><\/td><\/tr><tr><td>07 May 2019<\/td><td>The Malaysian Reserve<\/td><td><a href=\"https:\/\/themalaysianreserve.com\/2019\/05\/07\/sidrec-may-have-got-its-formula-right\/\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC May Have Got Its Formula Right<\/a><\/td><\/tr><tr><td>16 April 2019<\/td><td>Nanyang Siang Pau<\/td><td><a href=\"https:\/\/www.enanyang.my\/news\/20190416\/%E3%80%90%E7%8B%AC%E5%AE%B6%E3%80%91%E8%AF%81%E5%88%B8%E4%B8%9A%E4%BA%89%E8%AE%AE%E8%A7%A3%E5%86%B3%E4%B8%AD%E5%BF%83%E4%B8%8B%E7%AF%87%E2%97%8F%E5%AE%8C-%E8%B4%AA%E6%96%B9%E4%BE%BF%E5%A4%AA%E4%BF%A1\/\" target=\"_blank\" rel=\"nofollow noopener\">Five Pitfalls of which Retail Investors Need to Be Aware<\/a><\/td><\/tr><tr><td>15 April 2019<\/td><td>Nanyang Siang Pau<\/td><td><a href=\"https:\/\/www.enanyang.my\/news\/20190415\/%E3%80%90%E7%8B%AC%E5%AE%B6%E3%80%91%E4%B8%93%E5%8F%B8%E6%8A%95%E8%AF%89%E7%B4%A2%E8%B5%94%E4%BF%9D%E6%9D%83%E7%9B%8A-sidrec%E8%B0%83%E8%A7%A3%E6%8A%95%E8%B5%84%E4%BA%89%E8%AE%AE\/\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Provides Solutions for Investment Disputes<\/a><\/td><\/tr><tr><td>05 January 2019<\/td><td>Focus Malaysia<\/td><td><a href=\"https:\/\/sidrec.com.my\/ombudsman-malaysia-to-boost-transparency-accountability\/\" target=\"_blank\" rel=\"nofollow noopener\">Ombudsman Malaysia to Boost Transparency, Accountability<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-da18f0d elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2018<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-cfc8493 elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>18 December 2018<\/td><td>The Malaysian Reserve<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/181218-The-Malaysian-Reserve.pdf\" target=\"_blank\" rel=\"nofollow noopener\">We've Come A Long Way<\/a><\/td><\/tr><tr><td>09 December 2018<\/td><td>New Sunday Times<\/td><td><a href=\"https:\/\/www.nst.com.my\/lifestyle\/sunday-vibes\/2018\/11\/435650\/money-thoughts-dont-panic-sidrec-has-your-back\" target=\"_blank\" rel=\"nofollow noopener\">Don\u2019t Panic, SIDREC Has Your Back<\/a><\/td><\/tr><tr><td>26 November 2018<\/td><td>New Sunday Times<\/td><td><a href=\"https:\/\/www.nst.com.my\/lifestyle\/sunday-vibes\/2018\/11\/432400\/money-thoughts-can-anyone-help-me\" target=\"_blank\" rel=\"nofollow noopener\">Can Anyone Help Me?<\/a><\/td><\/tr><tr><td>18 June 2018<\/td><td>Smart Investor<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/SIDREC-10-13%E2%80%A2SI-June18.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Do You have a Problem with Your Broker?<\/a><\/td><\/tr><tr><td>22 April 2018<\/td><td>Sin Chew Jit Poh<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Sin-Chew-22.4.18-SIDREC.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC: Providing Fair and Professional Dispute Resolution Service<\/a><\/td><\/tr><tr><td>18 April 2018<\/td><td>New Straits Times<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/NST-18.4.18-SIDREC-expands-purview-can-handle-claims-above-RM250000.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Expands Purview, Can Handle Claims Above RM250,000<\/a><\/td><\/tr><tr><td>18 April 2018<\/td><td>The Star<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/The-Star-18.4.18-SIDREC-expands-purview-to-hear-claims-newspaper.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Expands Purview to Hear Claims<\/a><\/td><\/tr><tr><td>17 April 2018<\/td><td>Oriental Daily News<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/Oriental-Daily-News-17.4.18-SIDREC-can-now-handle-disputes-relating-to-claims-above-RM250000.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Can Now Handle Disputes Relating to Claims Above RM250,000<\/a><\/td><\/tr><tr><td>16 April 2018<\/td><td>The Edge Markets<\/td><td><a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/02\/The-Edge-Markets.com-16.4.18-SIDREC-can-now-handle-disputes-relating-to-claims-above-RM250000.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Can Now Handle Disputes Relating to Claims Above RM250,000<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"elementor-element elementor-element-1f87e75 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h6>\u00a0<\/h6><h6 class=\"elementor-heading-title elementor-size-default\">2011-2017<\/h6><\/div><\/div><div class=\"elementor-element elementor-element-98477b1 elementor-widget elementor-widget-sidrec-table\"><div class=\"elementor-widget-container\"><table><tbody><tr><th>Date<\/th><th>Media Channel<\/th><th>Title<\/th><\/tr><tr><td>21 July 2017<\/td><td>The Sun<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2017-07-21-The-Sun-SIDREC-to-Resolve-Investment-Disputes.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC to Resolve Investment Disputes<\/a><\/td><\/tr><tr><td>22 April 2017<\/td><td>Focus Malaysia<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2017-04-22-FocusM-In-Pursuit-of-ADR.pdf\" target=\"_blank\" rel=\"nofollow noopener\">In Pursuit of Alternative Dispute Resolution<\/a><\/td><\/tr><tr><td>21 April 2017<\/td><td>Focus Malaysia<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2017-04-22-FocusM-Beware-the-Scammers.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Beware the Scammers<\/a><\/td><\/tr><tr><td>26 November 2016<\/td><td>Focus Malaysia<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-11-26-FocusM-Finding-Amicable-Solutions-to-Market-Disputes-v2.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Finding Amicable Solutions to Market Disputes<\/a><\/td><\/tr><tr><td>19 November 2016<\/td><td>The Star<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-11-19-The-Star.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC and the Association of Banks in Malaysia First Engagement Session<\/a><\/td><\/tr><tr><td>13 November 2016<\/td><td>The Star<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-11-13-The-Star-Go-for-Win-Win.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC: We Go for Win-Win<\/a><\/td><\/tr><tr><td>28 October 2016<\/td><td>Nanyang Siang Pau<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-10-28-NYSP-Financial-Grievance-Mechanism-to-Resolve-Disputes.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Financial Grievance Mechanism to Resolve Disputes<\/a><\/td><\/tr><tr><td>06 September 2016<\/td><td>Berita Harian<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-09-06-Berita-Harian-Bank-Komersial-Islamic-Jadi-Ahli-SIDREC.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Bank Komersial Islamic Jadi Ahli SIDREC<\/a><\/td><\/tr><tr><td>30 July 2016<\/td><td>Focus Malaysia<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2016-07-30-FocusM-Seeking-Redress-Against-Capital-Market-Players.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Seeking Redress Against Capital Market Players<\/a><\/td><\/tr><tr><td>11 February 2015<\/td><td>New Strait Times<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2015-02-11-BT-NST-Settlling-Issues-Quickly-Impartially.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Settlling Issues Quickly Impartially<\/a><\/td><\/tr><tr><td>09 April 2013<\/td><td>The Star<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2013-04-09-The-Star-SC-to-Continue-Funding-SIDREC.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SC to Continue Funding SIDREC<\/a><\/td><\/tr><tr><td>09 April 2013<\/td><td>The Edge Market<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2013-04-09-The-Edge-SC-to-Fund-SIDREC-for-Two-More-Years.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SC to Fund SIDREC for Two More Years<\/a><\/td><\/tr><tr><td>09 April 2013<\/td><td>Berita Harian<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2013-04-09-Berita-Harian-SIDREC-Terus-Terima-Pembiayaan.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Terus Terima Pembiayaan<\/a><\/td><\/tr><tr><td>09 April 2012<\/td><td>Harian Metro<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2012-04-09-Harian-Metro-Orang-Tengah-Industri.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Orang Tengah Industri<\/a><\/td><\/tr><tr><td>02 January 2012<\/td><td>Harian Metro<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2012-01-02-Harian-Metro-SIDREC-Komited-Selesaikan-Pertikaian.pdf\" target=\"_blank\" rel=\"nofollow noopener\">SIDREC Komited Selesaikan Pertikaian<\/a><\/td><\/tr><tr><td>19 October 2011<\/td><td>Borneo Post<\/td><td><a href=\"https:\/\/www.theborneopost.com\/2011\/10\/19\/centre-gives-alternative-exit-route-in-disputes-for-m%E2%80%99sian-retail-investors\/\" target=\"_blank\" rel=\"nofollow noopener\">Centre Gives Alternative Exit Route in Disputes for M\u2019sian Retail Investors<\/a><\/td><\/tr><tr><td>09 June 2011<\/td><td>The Star<\/td><td><a href=\"https:\/\/sidrec.com.my\/wp-content\/uploads\/2020\/06\/2011-06-09-The-Star-New-Avenue-to-Settle-Claims.pdf\" target=\"_blank\" rel=\"nofollow noopener\">New Avenue to Settle Claims<\/a><\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-row\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-78e74c0\"><div class=\"elementor-column-wrap\">\u00a0<\/div><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-503dcaa elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"503dcaa\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0d70d8f e-flex e-con-boxed e-con e-child\" data-id=\"0d70d8f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-087718a elementor-widget elementor-widget-heading\" data-id=\"087718a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\nDR Magazine<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07ffd00 elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"07ffd00\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3e1f825173\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-07ffd00\">\n                        <a href=\"#collapse-578f3c469e3e1f825173\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3e1f825173\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3e1f825173\">\n                            \n                            <span class=\"ekit-accordion-title\">2020<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3e1f825173\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-07ffd00\" data-parent=\"#accordion-69e3e1f825173\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-384b3a6\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-d90f929 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h4 class=\"elementor-heading-title elementor-size-default\">DR#1 2020<\/h4><\/div><\/div><div class=\"elementor-element elementor-element-a7f417f elementor-widget elementor-widget-image\"><div class=\"elementor-widget-container\"><div class=\"elementor-image\"><a href=\"https:\/\/bit.ly\/SIDREC-DR-1-2020\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\" src=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S.jpg\" sizes=\"(max-width: 600px) 100vw, 600px\" srcset=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S.jpg 600w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S-212x300.jpg 212w\" alt=\"\" width=\"600\" height=\"850\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-21dc899\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-e1ccee0 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h4>\u00a0<\/h4><h4 class=\"elementor-heading-title elementor-size-default\">DR#2 2020<\/h4><\/div><\/div><div class=\"elementor-element elementor-element-c8f42ce elementor-widget elementor-widget-image\"><div class=\"elementor-widget-container\"><div class=\"elementor-image\"><a href=\"https:\/\/bit.ly\/SIDREC-DR-2-2020\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\" src=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-724x1024.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-724x1024.jpg 724w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-212x300.jpg 212w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-768x1086.jpg 768w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-1086x1536.jpg 1086w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S.jpg 1240w\" alt=\"\" width=\"640\" height=\"905\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-85df3fe\"><div class=\"elementor-column-wrap\">\u00a0<\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-07ffd00\">\n                        <a href=\"#collapse-a1d62e669e3e1f825173\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a1d62e669e3e1f825173\" aria-expanded=\"false\" aria-controls=\"Collapse-a1d62e669e3e1f825173\">\n                            \n                            <span class=\"ekit-accordion-title\">2019<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a1d62e669e3e1f825173\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-07ffd00\" data-parent=\"#accordion-69e3e1f825173\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-00c0823\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-cd240d5 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h4 class=\"elementor-heading-title elementor-size-default\">DR#1 2019<\/h4><\/div><\/div><div class=\"elementor-element elementor-element-d465a58 elementor-widget elementor-widget-image\"><div class=\"elementor-widget-container\"><div class=\"elementor-image\"><a href=\"https:\/\/bit.ly\/SIDREC-DR-1-2019\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-full size-full\" src=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2.jpg\" sizes=\"(max-width: 602px) 100vw, 602px\" srcset=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2-212x300.jpg 212w\" alt=\"\" width=\"602\" height=\"852\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-a196a68\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-d1f3877 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h4>\u00a0<\/h4><h4 class=\"elementor-heading-title elementor-size-default\">DR#2 2019<\/h4><\/div><\/div><div class=\"elementor-element elementor-element-0ebe0f8 elementor-widget elementor-widget-image\"><div class=\"elementor-widget-container\"><div class=\"elementor-image\"><a href=\"https:\/\/bit.ly\/SIDREC-DR-2-2019\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-full size-full\" src=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2.jpg\" sizes=\"(max-width: 602px) 100vw, 602px\" srcset=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2-212x300.jpg 212w\" alt=\"\" width=\"602\" height=\"852\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-49c9ec3\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-edfa500 elementor-widget elementor-widget-heading\"><div class=\"elementor-widget-container\"><h4>\u00a0<\/h4><h4 class=\"elementor-heading-title elementor-size-default\">DR#3 2019<\/h4><\/div><\/div><div class=\"elementor-element elementor-element-8f1cd20 elementor-widget elementor-widget-image\"><div class=\"elementor-widget-container\"><div class=\"elementor-image\"><a href=\"https:\/\/bit.ly\/SIDREC-DR-3-2019\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-full size-full\" src=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3.jpg\" sizes=\"(max-width: 602px) 100vw, 602px\" srcset=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3-212x300.jpg 212w\" alt=\"\" width=\"602\" height=\"852\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"2020\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-384b3a6\\\"><div class=\\\"elementor-column-wrap elementor-element-populated\\\"><div class=\\\"elementor-widget-wrap\\\"><div class=\\\"elementor-element elementor-element-d90f929 elementor-widget elementor-widget-heading\\\"><div class=\\\"elementor-widget-container\\\"><h4 class=\\\"elementor-heading-title elementor-size-default\\\">DR#1 2020<\/h4><\/div><\/div><div class=\\\"elementor-element elementor-element-a7f417f elementor-widget elementor-widget-image\\\"><div class=\\\"elementor-widget-container\\\"><div class=\\\"elementor-image\\\"><a href=\\\"https:\/\/bit.ly\/SIDREC-DR-1-2020\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><img class=\\\"attachment-large size-large\\\" src=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S.jpg\\\" sizes=\\\"(max-width: 600px) 100vw, 600px\\\" srcset=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S.jpg 600w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRM1_20_Cover_S-212x300.jpg 212w\\\" alt=\\\"\\\" width=\\\"600\\\" height=\\\"850\\\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-21dc899\\\"><div class=\\\"elementor-column-wrap elementor-element-populated\\\"><div class=\\\"elementor-widget-wrap\\\"><div class=\\\"elementor-element elementor-element-e1ccee0 elementor-widget elementor-widget-heading\\\"><div class=\\\"elementor-widget-container\\\"><h4>\u00a0<\/h4><h4 class=\\\"elementor-heading-title elementor-size-default\\\">DR#2 2020<\/h4><\/div><\/div><div class=\\\"elementor-element elementor-element-c8f42ce elementor-widget elementor-widget-image\\\"><div class=\\\"elementor-widget-container\\\"><div class=\\\"elementor-image\\\"><a href=\\\"https:\/\/bit.ly\/SIDREC-DR-2-2020\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><img class=\\\"attachment-large size-large\\\" src=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-724x1024.jpg\\\" sizes=\\\"(max-width: 640px) 100vw, 640px\\\" srcset=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-724x1024.jpg 724w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-212x300.jpg 212w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-768x1086.jpg 768w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S-1086x1536.jpg 1086w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/09\/SDRM2_20_Cover_S.jpg 1240w\\\" alt=\\\"\\\" width=\\\"640\\\" height=\\\"905\\\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-85df3fe\\\"><div class=\\\"elementor-column-wrap\\\">\u00a0<\/div><\/div>\"}},{\"@type\":\"Question\",\"name\":\"2019\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-00c0823\\\"><div class=\\\"elementor-column-wrap elementor-element-populated\\\"><div class=\\\"elementor-widget-wrap\\\"><div class=\\\"elementor-element elementor-element-cd240d5 elementor-widget elementor-widget-heading\\\"><div class=\\\"elementor-widget-container\\\"><h4 class=\\\"elementor-heading-title elementor-size-default\\\">DR#1 2019<\/h4><\/div><\/div><div class=\\\"elementor-element elementor-element-d465a58 elementor-widget elementor-widget-image\\\"><div class=\\\"elementor-widget-container\\\"><div class=\\\"elementor-image\\\"><a href=\\\"https:\/\/bit.ly\/SIDREC-DR-1-2019\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><img class=\\\"attachment-full size-full\\\" src=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2.jpg\\\" sizes=\\\"(max-width: 602px) 100vw, 602px\\\" srcset=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN1_19_Cover_Sv2-212x300.jpg 212w\\\" alt=\\\"\\\" width=\\\"602\\\" height=\\\"852\\\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-a196a68\\\"><div class=\\\"elementor-column-wrap elementor-element-populated\\\"><div class=\\\"elementor-widget-wrap\\\"><div class=\\\"elementor-element elementor-element-d1f3877 elementor-widget elementor-widget-heading\\\"><div class=\\\"elementor-widget-container\\\"><h4>\u00a0<\/h4><h4 class=\\\"elementor-heading-title elementor-size-default\\\">DR#2 2019<\/h4><\/div><\/div><div class=\\\"elementor-element elementor-element-0ebe0f8 elementor-widget elementor-widget-image\\\"><div class=\\\"elementor-widget-container\\\"><div class=\\\"elementor-image\\\"><a href=\\\"https:\/\/bit.ly\/SIDREC-DR-2-2019\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><img class=\\\"attachment-full size-full\\\" src=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2.jpg\\\" sizes=\\\"(max-width: 602px) 100vw, 602px\\\" srcset=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN2_19_Cover_Sv2-212x300.jpg 212w\\\" alt=\\\"\\\" width=\\\"602\\\" height=\\\"852\\\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\\\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-49c9ec3\\\"><div class=\\\"elementor-column-wrap elementor-element-populated\\\"><div class=\\\"elementor-widget-wrap\\\"><div class=\\\"elementor-element elementor-element-edfa500 elementor-widget elementor-widget-heading\\\"><div class=\\\"elementor-widget-container\\\"><h4>\u00a0<\/h4><h4 class=\\\"elementor-heading-title elementor-size-default\\\">DR#3 2019<\/h4><\/div><\/div><div class=\\\"elementor-element elementor-element-8f1cd20 elementor-widget elementor-widget-image\\\"><div class=\\\"elementor-widget-container\\\"><div class=\\\"elementor-image\\\"><a href=\\\"https:\/\/bit.ly\/SIDREC-DR-3-2019\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\"><img class=\\\"attachment-full size-full\\\" src=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3.jpg\\\" sizes=\\\"(max-width: 602px) 100vw, 602px\\\" srcset=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3.jpg 602w, https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2020\/05\/SDRN3_19_Cover_Sv3-212x300.jpg 212w\\\" alt=\\\"\\\" width=\\\"602\\\" height=\\\"852\\\" \/><\/a><\/div><\/div><\/div><\/div><\/div><\/div>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4c2f23f elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"4c2f23f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fceba12 e-flex e-con-boxed e-con e-child\" data-id=\"fceba12\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cdb65d elementor-widget elementor-widget-heading\" data-id=\"5cdb65d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Brochures &amp; Posters<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebfc9a9 elementor-widget__width-inherit elementor-widget elementor-widget-elementskit-accordion\" data-id=\"ebfc9a9\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69e3e1f827b78\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-ebfc9a9\">\n                        <a href=\"#collapse-578f3c469e3e1f827b78\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-578f3c469e3e1f827b78\" aria-expanded=\"true\" aria-controls=\"Collapse-578f3c469e3e1f827b78\">\n                            \n                            <span class=\"ekit-accordion-title\">For Investors<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-578f3c469e3e1f827b78\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-ebfc9a9\" data-parent=\"#accordion-69e3e1f827b78\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>SIDREC Dispute Resolution Process Flow<br \/>(<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-English-Web-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-BM-Web-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-Chinese-Web-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-Tamil-Web-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Tamil<\/a>)<\/p><p>SIDREC Frequently Asked Questions (FAQs)<br \/>(<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-ENG-Public-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-BM-Public-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Mandarin-Public-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Tamil-Public-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Tamil<\/a>)<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-ebfc9a9\">\n                        <a href=\"#collapse-a1d62e669e3e1f827b78\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a1d62e669e3e1f827b78\" aria-expanded=\"false\" aria-controls=\"Collapse-a1d62e669e3e1f827b78\">\n                            \n                            <span class=\"ekit-accordion-title\">For SIDREC Members (for Print)<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a1d62e669e3e1f827b78\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-ebfc9a9\" data-parent=\"#accordion-69e3e1f827b78\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>SIDREC Frequently Asked Questions (FAQs)<br \/>(<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Eng-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-BM-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Malay<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Man-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Mandarin<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Tamil-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Tamil<\/a>)<\/p><p>SIDREC Poster<br \/>(<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-BPoster-ENG-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">English<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-BPoster-BM-Oct-2024.pdf\" target=\"_blank\" rel=\"noopener\">Malay<\/a>)<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"For Investors\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>SIDREC Dispute Resolution Process Flow<br \/>(<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-English-Web-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">English<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-BM-Web-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Malay<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-Chinese-Web-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Mandarin<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SIDREC-Process-Flow-Leaflet-Tamil-Web-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Tamil<\/a>)<\/p><p>SIDREC Frequently Asked Questions (FAQs)<br \/>(<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-ENG-Public-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">English<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-BM-Public-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Malay<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Mandarin-Public-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Mandarin<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Tamil-Public-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Tamil<\/a>)<\/p>\"}},{\"@type\":\"Question\",\"name\":\"For SIDREC Members (for Print)\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>SIDREC Frequently Asked Questions (FAQs)<br \/>(<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Eng-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">English<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-BM-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Malay<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Man-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Mandarin<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-FAQ-Tamil-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Tamil<\/a>)<\/p><p>SIDREC Poster<br \/>(<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-BPoster-ENG-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">English<\/a>\u00a0|\u00a0<a href=\\\"https:\/\/www.sidrec.com.my\/wp-content\/uploads\/2024\/10\/SDR-BPoster-BM-Oct-2024.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Malay<\/a>)<\/p>\"}}]}<\/script>\n                                <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-32d237dc elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"32d237dc\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-52d64e2f e-flex e-con-boxed e-con e-child\" data-id=\"52d64e2f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42e9e279 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"42e9e279\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Terms of Reference of Predecessor Schemes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c328390 e-con-full e-flex e-con e-child\" data-id=\"c328390\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-109819f e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"109819f\" data-element_type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"17400223\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-174002231\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-174002231\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tOFS' Terms of Reference\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-174002232\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-174002232\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tSIDREC's Terms of Reference\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-174002231\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-174002231\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-a55fa2e e-con-full e-flex e-con e-child\" data-id=\"a55fa2e\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1945507 e-flex e-con-boxed e-con e-child\" data-id=\"1945507\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-672c2d5 e-con-full e-flex e-con e-child\" data-id=\"672c2d5\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1921f86 elementor-widget-tablet__width-initial elementor-widget-mobile__width-auto elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1921f86\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Terms of Reference<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55d8dc5 elementor-widget__width-auto elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"55d8dc5\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a11c5e e-con-full e-flex e-con e-child\" data-id=\"5a11c5e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4907cf elementor-widget elementor-widget-button\" data-id=\"b4907cf\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-174002232\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-174002232\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-d767c5a e-con-full e-flex e-con e-child\" data-id=\"d767c5a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bca05dd e-flex e-con-boxed e-con e-child\" data-id=\"bca05dd\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9ccd7cd e-con-full e-flex e-con e-child\" data-id=\"9ccd7cd\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a4af69 elementor-widget-tablet__width-initial elementor-widget-mobile__width-auto elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"6a4af69\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">SIDREC's Terms of Reference<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05de89e elementor-widget__width-auto elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"05de89e\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20f4c89 e-con-full e-flex e-con e-child\" data-id=\"20f4c89\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98a70b7 elementor-widget elementor-widget-button\" data-id=\"98a70b7\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-070e683 e-flex e-con-boxed e-con e-child\" data-id=\"070e683\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-44ab37b e-con-full e-flex e-con e-child\" data-id=\"44ab37b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9b66afb elementor-widget-tablet__width-initial elementor-widget-mobile__width-auto elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"9b66afb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">SIDREC's SIAC Terms of Reference<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47dea13 elementor-widget__width-auto elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"47dea13\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a7fe40f e-con-full e-flex e-con e-child\" data-id=\"a7fe40f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90de90e elementor-widget elementor-widget-button\" data-id=\"90de90e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-16ab225 e-flex e-con-boxed e-con e-parent\" data-id=\"16ab225\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Resources Other Resources OFS Resources SIDREC Resources Video Corporate Video Corporate Video OFS Animated Video OFS Animated Video (English\u00a0|\u00a0Malay\u00a0|\u00a0Mandarin\u00a0|\u00a0Tamil) Pamphlet OFS Pamphlet OFS Pamphlet (English\u00a0|\u00a0Malay\u00a0|\u00a0Mandarin\u00a0|\u00a0Tamil) OFS Annual Reports &#8211; OFS OFS Annual Report 2023 OFS Annual Report 2023 OFS Annual Report 2022 OFS Annual Report 2022 OFS Annual Report 2021 OFS Annual Report 2021 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-3708","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FMOS Other Resources \u2013 Supporting Financial Literacy in | FMOS Malaysia<\/title>\n<meta name=\"description\" content=\"Discover helpful guides, reports, and more from FMOS Malaysia.Explore our resource section for additional insights and support!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fmos.org.my\/en\/other-resources\/\" \/>\n<meta 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