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• The Ombudsman for Banking Service and Investments is specifically dedicated to issues within the banking sector in Canada.
• Advisors who are licensed to sell mutual funds and whose firms are members of the Mutual Funds Dealers Association may contact the MFDA directly at (416) 361-6332 begin_of_the_skype_highlighting              (416) 361-6332      end_of_the_skype_highlighting begin_of_the_skype_highlighting              (416) 361-6332      end_of_the_skype_highlighting begin_of_the_skype_highlighting              (416) 361-6332      end_of_the_skype_highlighting begin_of_the_skype_highlighting              (416) 361-6332      end_of_the_skype_highlighting begin_of_the_skype_highlighting              (416) 361-6332      end_of_the_skype_highlighting begin_of_the_skype_highlighting              (416) 361-6332      end_of_the_skype_highlighting begin_of_the_skype_highlighting              (416) 361-6332      end_of_the_skype_highlighting begin_of_the_skype_highlighting (416) 361-6332 end_of_the_skype_highlighting begin_of_the_skype_highlighting (416) 361-6332 end_of_the_skype_highlighting, 1-888-466-6332, complaints@mfda.ca or via the complaints form at the MFDA Web site www.mfda.ca.
• Advisors who are licensed to sell securities and whose firms are members of the Investment Dealers Association may contact the IDA in writing at Complaint Bureau, Suite 1600, 121 King Street West, Toronto, Ontario M5H 3T9 or by fax at 416-364-0753.
• There is also the Ontario Securities Commission, Inquiries Unit, 20 Queen Street West, Suite 800, Box 55, Toronto, Ontario, M5H 3S8. Fax: 416-593-8122 or you can use their online complaint form.
• If you do not know which regulatory organization has jurisdiction, call the OSC (above) and they will refer you to the right place.

A.Bank Negara Malaysia, the Central Bank of Malaysia [ http://www.bnm.gov.my] governs the following institutions & activities: •Commercial banks •Islamic banks, Insurance companies, •Takaful operators and •Credit Card, Charge Card, E-money and Remittance providers ( Forex Administration)

Any enquiries, complaints, and redress, members of the public can contact: 1.Bank Negara Malaysia Laman Informasi Nasihat dan Khidmat (BNMLINK) (Walk-in Customer Service Centre) Ground Floor, D Block, Jalan Dato' Onn 50480 Kuala Lumpur Tel : +603-2698-8044 +603-2698-8044 extension 8950 / 8958 (BNMLINK general line) Operating Hours: 9.00 a.m. - 5.00 p.m. (Monday - Friday) [1]

2.Contact Centre (BNMTELELINK) BNMTELELINK complements the walk-in counter services of BNMLINK for the general public and can be contacted directly either by telephone, fax, letter or email. Corporate Communications Department Bank Negara Malaysia P.O. Box 10922 50929 Kuala Lumpur Tel : 1-300-88-5465 1-300-88-5465 (1-300-88-LINK) (Overseas: +603-2174-1717 +603-2174-1717 ) Fax: +603-2174-1515 E-mail: bnmtelelink@bnm.gov.my Operating Hours: 9.00 a.m. - 5.00 p.m. (Monday - Friday)

• To learn more about how to make a complaint, please visit the bankinginfo and insuranceinfo website:

a.the bankinginfo :[2] b.the insuranceinfo[3]

3.Financial Mediation Bureau (FMB) An independent body set up to help settle disputes between you and your financial service providers who are its members (All banks, insurance companies, Takaful operator, Development Financial Institutions, Payment System Operators & Payment Instrument Issuers For more information and to learn how FMB may help you, please visit the FMB's website .[ http://www.fmb.org.my/]

B.Securities Commission Malaysia [ http://www.sc.com.my ] governs the securities and futures markets in Malaysia with the following activities: • Fund Management – Islamic and conventional • Advising on Corporate Finance • Unit Trust • Securities • Financial Planning Activities • Trading in Futures Contract • Investment Advice Any complaints can be lodged with: Investor Affairs & Complaints Department Securities Commission Malaysia No 3 Persiaran Bukit Kiara Bukit Kiara 50490 Kuala Lumpur Tel: 603 6204 8999 Fax: 603 6204 899 E-mail: aduan@seccom.com.my Complaint Form can be downloaded at : [Media:http://www.sc.com.my/eng/html/enforcement/complaintsform.pdf]

Besides BNM and SC, there are associations recognised by the laws in promoting the orderly development of the respective industry in Malaysia. The consumers/public can also lodge complaints to these respective associations

C.Federation of Investment Managers Malaysia [ http://www.fmutm.com.my ] Any complaint of misconduct or non-compliance with any guideline or regulation by any UTMC (Unit Trust Management Company), IUTA (Institutional Unit Trust Agent), CUTA (Corporate Unit Trust Advisors )or UTC (Unit Trust Consultant) can be lodged with:

Complaints Bureau Legal, Secretarial & Regulatory Affairs Federation of Investment Managers Malaysia 19-07-3, 7th Floor PNB Damansara, No. 19, Lorong Dungun Damansara Heights 50490 Kuala Lumpur Tel : 03-2092 3800 03-2092 3800 Fax : 03-2093 2700 E-mail : legalcomp@fimm.com.my

D.PIAM ( General Insurance Association of Malaysia) [4] Complaints Action Bureau 3rd Floor, Wisma PIAM 150 Jalan Tun Sambanthan 50470 Kuala Lumpur Tel: (03) 2274 7395/9 Fax: (03) 2274 5910 Email: complaints_action_bureau@piam.org.my