EMPLOYEES PROVIDENT FUND (EPF) EDUCATION WITHDRAWAL SCHEME.

Finance Type A :	WITHDRAWAL SCHEME.
Withdraw amount :	Amount up to the total fees or the entire balance in Account II, whichever is lower.
Academic Eligibility :	SPM/STPM
Type of Study :
Age Limited :

This scheme allows qualified EPF members to withdraw their savings from the second account to
finance either their study or their children’s study. The purpose is to finance education fees (which
includes tutorials fees, practical training fees, lab fees, library fees), hostel fees and flight fees and flight
tickets only.

ELIGIBILITY TO APPLY
You are eligible to apply if you are:
· A Malaysian citizen; or
· A Permanent Resident; or
· A Malaysian citizen who have withdrawn your savings under Leaving The Country Withdrawal
before 1 August 1995 but subsequently returned and re-contribute to EPF; or
· A Non-Malaysian citizen (Expatriate) who became a member of the EPF before 1 August 1998.
You need to have savings in your Account II and you must also have not reached 55 years of age on the
date the application is received by the EPF. You must have remaining balance in your Account II to be
eligible to apply because all education-related withdrawals are made against your Account II.

AMOUNT ELIGIBLE TO WITHDRAW
You are eligible to withdraw your savings as follows, whichever is lower:
· The amount of education fees; or
· All of your Account II savings.
You can choose to determine the amount you wish to withdraw from your savings in Account II,
subject to the maximum amount you are entitled to withdrawal by completing "Surat Akujanji Pilihan
Amaun Pengeluaran".
You can also apply for this withdrawal jointly with your spouse to finance your children's education.

FREQUENCY OF WITHDRAWAL
You may apply this withdrawal to pay the education fees for:
· Every semester; or
· Every academic year (one time withdrawal in an academic year).
You can apply for this withdrawal once in every semester / academic year / the overall module fees for
each of your child.

TERMS OF EPF WITHDRAWAL
 You or your children must have registered with the college which is approved by the
Institute of Higher Learning.

HOW TO APPLY:
· Completed KWSP 9H (AHL) form and bring along the following documents.
 Public Identification Card / Military Identification Card / MyKad
 Letter of Offer from THE OTOMOTIF COLLEGE(for the first application only);
 Academic qualification certificates such as SPM, STPM, Degree and other related
qualifications;
 Approval letter to conduct the programme issued by the Private Education Department,
Ministry Of Higher Education (PED-MHE) to the private Institute of Higher Learning
which has not been awarded a university status (for learning program in private
Institute of Higher Learning only);
 Student card and examination result slip for previous semester / academic year (for
application of second semester / year and subsequent withdrawals only);
 Other related documents as requested by the EPF from time to time.

· Additional Documents (original and photocopies):
For Children’s Education Withdrawal Identification Card and Birth Certificate of your
children.
·
1. Your marriage certificate (if you and your spouse apply for a joint withdrawal).

FURTHER INFORMATION / ENQUIRIES
If you have any enquiry or require further information regarding this withdrawal please contact:
· Any nearest EPF Office
· EPF Call Management Centre at 03-8732 6000

Please quote your EPF membership number or your Identity Card number and the type of withdrawal
that you have applied for when you contact the EPF. You are encouraged to contact the EPF directly for
assistance and advice.

EPF Withdrawal Scheme For Education

Eligibility Criteria

EPF members and/or EPF member's children
Full time enrolled student of Curtin Sarawak Malaysia
Applicants to liaise directly with the nearest EPF offices

Amount Of Award & Duration

Amount up to the total fees or the entire balance in Account II, whichever is lower
Members may apply for withdrawal for each academic year provided there are sufficient funds in Account II

Forms Availability / Address

Refer to the nearest EPF Office at applicant's respective town
Mr Noorazman Abdullah
Penolong Pengurus
Bahagian Pengawasan Pengeluaran
Jabatan Khidmat Ahli
Tingkat 11, Bangunan KWSP
Jalan Raja Laut
50350 Kuala Lumpur
Tel: 03-26946391

Offer / Closing Date / Other Remarks

No specific deadlines mentioned

The withdrawal scheme allows EPF members to withdraw from their account 2 of the EPF Fund to pay tuition fees for their children or for themselves to pursue further studies at any local or overseas higher educational institution.

Withdrawals for a member's children's education were introduced on 1 April 2000 and for member's education on 2 January 2001.

Applicant s Eligibility

• Members are allowed to apply for withdrawal if they or their children are not receiving any full or partial scholarship/financial aid for education from any organizations.

• In the case where a member or their children obtains a study loan, withdrawal can be made to settle the outstanding balance of study loan only on further condition that the Study Loan Agreement is executed on or after the effective date of this Education Withdrawal.

Purpose of Withdrawal

Withdrawal can only be done for the following purposes:

• To make payment for tertiary study fees (which includes tuition, practical training, computer laboratory and library fees, thesis examination fees, and final examination fees), and

• Flight tickets for the purpose of traveling To the place of study

Conditions for withdrawal of Fund

> Type of Courses

Applicants / or their children must have registered for any academic / professional / vocational courses at one of the institutions of higher learning mentioned below.

> Levels of Education

This withdrawal can be used to pursue one of the following programmes:

1	Members :	Diploma, Advanced Diploma, Bachelor's Degree, Master's Degree, PhD or any of the its equivalent
2	Member's children :	Bachelor's Degree, Master's Degree, PhD or any of its equivalent

1	• Local/ Higher Educational Institutions (a) Academic Courses pursued either full time, part time or through distance learning Courses of study that are offered by: i) Public universities; ii) Government institutions of higher learning such as polytechnics and community colleges or any other higher education institutions under the jurisdiction of Central or State Government agencies; iii) Private higher educational institutions approved by the Private Higher Education Management Sector, Ministry of Higher Education (MOHE) or the National Accreditation Board (LAN/MQA); iv) Branch campuses of foreign universities established in Malaysia (b) Professional Courses Courses of study that are approved by the Training Division, Public Services Department (PSD) or any olher education accreditation board which are recognised by the Government to be at par with a Diploma, Advanced Diploma or Bachelor's Degree. (c) Skilled / Vocational Courses i) Courses recognised by 'Majlis Latihan Vokasional Kebangsaan (MLVK)' to be at par with a Diploma (Level 4) and Bachelor's Degree (Level 5) ii) Commercial Pilot Licence with Instrument Rating Course (CPL/IR) with Frozen ATPL offered by the Flying Academy which is approved by Jabatan Penerbangan Awam Malaysia iii) Master and Chief Mate on Ship Of 3000 GT or more offered by Akademi Laul Malaysia IALAM) iv) Combined Chief And Second Engineer 3000 KW or more offered by ALAM
2	Overseas Higher Educational Institutions Withdrawal is allowed for full-time study courses pursued abroad offered by overseas higher educational institutions, subject to the approved level of education.
3	Distance Learning and On-line Programmes with Higher Educational Institutions Abroad Withdrawal is allowed for distance learning/online programmes that are conducted by overseas institutions in collaboration with local private institutions which are approved by the Ministry of Higher Education. Courses pursued directly with overseas institutions or through a local agent will not be considered.
4	Professional Courses Professional courses approved by the Public Services Department (PSD) such as ACCA & CIMA and other approved courses which involve lecturer-student face to face learning interaction can also be considered under the withdrawal scheme.
5	Franchised Programmes Public universities' franchised study programmes conducted by private higher educational institutions Overseas institutions' franchised study courses conducted by local private higher educational institutions which hove the approval of the Ministry of Higher Education

1	> Tuition* fees which have not been paid to the institution of higher learning; or
2	> To reimburse the tuition fees which you have paid to the institution of higher learning based on the payment receipt issued by the institution, with the condition that the date of the application does not exceed one year from the date of the payment receipt; and you must still be pursuing the course concerned; or
3	> To pay for the outstanding tuition fees to the educational institution, subject to the effective date of this Education Withdrawal; or
4	> Outstanding education loans which was made with any organisation that are licensed under the Bank and Financial Institutions Act 1989

(BAFIA), Bank Rakyal, Jabatan Pendidikan Awam (JPA) or also known as Public Services Department (PSD), MARA, PTPTN, State Foundation, Slate Education Foundation or any licensed operative society registered with 'Bahagian Pembangunan Koperasi' provided the loan is made under your name or your child's name or both. ("all fees charged by the institution including hostel fees as well as one-way air fare)

Amount Entitled for Withdrawal
Members may withdraw the maximum amount of the lolol fees or the entire amount in account II, whichever is lower.

1	> Members can apply for this withdrawal: • every semester; or • every academic year (one withdrawal per academic year); or • the overall module fees
2	> You can apply for this withdrawal once every semester / academic year / entire module fees for every child.
3	> You can also apply for this withdrawal jointly with your spouse to finance your children's education.

1	Payment is made to the local institution of higher learning through a banker's cheque to the university concerned.
2	Payment for reimbursement of tuition fees is directly credited into the member's bank account. (For more information regarding direct payment to your bank account and the list of banks appointed by EPF, please refer to 'Direct Crediting into Member's Bank Account System')
3	Payment to settle the study loan is made through a banker's cheque payable to the financial institution concerned.

1	> Withdrawal Farm • Members are required to submit a duly completed Form KWSP 9H (AHL) which can be obtained from the nearest EPF counter.
2	Supporting Documents This form must be submitted with the following original and photocopied documents: 1 Letter of Offer from the institution of higher learning (for first time applications only) 2 Confirmation Letter (of enrolment) from the institution of higher learning for you or your child (for the first and subsequent applications in the same learning programme as stated in the Offer Letter) 3 A copy of the EPF member's identification card / military identification card or the following identification cards affixed with your right and left thumbprints: - MyKod - Police identification card and a letter from your employer confirming that the number and identification card number belongs to the same person • Academic qualification certificates such as SPM, STPM, degree and other related qualifications • Approval letter to conduct the course issued by the Private Education Department, Ministry of Higher Education (PED-MOHE) to the private institution of higher education, if applicable • Student card and examination result slip from the previous semester / academic year • Other related documents as requested by the EPF from time to time In the case of Children's Education Withdrawal Scheme, additional documents are needed. These include: • A copy of your marriage certificate (if an application is made together with your spouse) • A copy of your child's identification card and birth certificate
3	> Reimbursement of Tuition Fees to Institutions • For reimbursement of tuition fee, an application must be submitted within a year from the date the payment receipt of the tuition fees which is issued by the institution concerned • For education loon repayments, a statement on the outstanding amount must be provided for such applications

Enquiries and Contact Details
For enquiries or further information on the withdrawal applications:
Customer Service Hotline: 03-8732 6000 E-mail: enquiry@epf.gov.my Website: www.kwsp.gov.my or visit your nearest EPF office.

INDEX : Scholarships in Malaysia 18 March 2010 - March 22, 2013 09:17:52 PM

1	AMMA Foundation Study Loan
2	Bakun Charitable Trust
3	Employees Provident Fund (Account II) Withdrawal Scheme for Education
4	The Public Service Department (JPA) Local & Overseas Sponsorship Programmes
5	Biasiswa Kerajaan Negeri Sabah Scholarship (For Degree Student Only)
6	The Public Service Department (JPA) Local & Overseas Sponsorship Programmes
7	Pinjaman Latihan Kemahiran
8	Majlis Amanah Rakyat (MARA) Study Loan
9	MARA Scholarship Programs
10	Ministry of Higher Education - Scholarship Division
11	PERDANA INTERNATIONAL SCHOLARSHIP PROGRAMME
12	KEMENTERIAN PERTAHANAN MALAYSIA
13	PTPTN - Perbadanan Tabung Pendidikan Tinggi Nasional
14	The Social Security Organisation (SOCSO) Education Fund
15	TABUNG PEMBANGUNAN KEMAHIRAN
16	Yayasan Khazanah Global Scholarship
17	Yayasan Sabah Group
18	Yayasan Sarawak Study Loan
19	Yayasan Tunku Abdul Rahman scholarship
20	YPPB Yayasan Peneraju Pendidikan Bumiputera scholarship