PART A - CIRCULAR TO SHAREHOLDERS AND RCPS HOLDERS (AS DEFINED HEREIN) IN RELATION TO THE PROPOSED SELECTIVE CAPITAL REDUCTION AND REPAYMENT EXERCISE FOR THE ORDINARY SHARES IN BHIC NOT OWNED BY THE OFFEROR (AS DEFINED HEREIN); AND PROPOSED CAPITAL REDUCTION AND REPAYMENT EXERCISES FOR THE REDEEMABLE CONVERTIBLE PREFERENCE SHARES ("RCPS") CLASS A IN BHIC ("RCPS A") AND ISLAMIC RCPS CLASS A IN BHIC ("RCPS i-A"), PURSUANT TO SECTION 116 OF THE COMPANIES ACT 2016 ("PROPOSAL") PART B - INDEPENDENT ADVICE LETTER FROM DWA ADVISORY SDN BHD TO THE NON-INTERESTED DIRECTORS, NON-INTERESTED SHAREHOLDERS AND RCPS HOLDERS OF BHIC IN RELATION TO THE PROPOSAL