Malayan Banking Berhad (3813-K)

Menara Maybank,
100 Jalan Tun Perak,
50050 Kuala Lumpur, Malaysia
Telephone +603 2070 8833
Telex MA 32837
www.maybank2u.com.my
Dear Sir/Madam,

BNM Moratorium for Maybank Business Banking Customers (V1.3)

We wish to express our sympathy on the recent Covid-19 situation which may have affected you
and your business.

As a humanising financial institution and in line with Bank Negara Malaysia announcement, we are
glad to grant your esteem company a 6 months loan payment moratorium of your banking
facilities maintained with Maybank.

Moratorium Period Deferment of principal and interest repayment for 6 months from
1/4/2020 to 30/9/2020 for loans granted to SME defined companies.
Such interest/principal will be capitalised into the loan.

Banking facilities All banking facilities denominated in Ringgit Malaysia with outstanding
balance as at 1/4/2020, including OD, term loan and trade lines, both
conventional and Islamic banking facilities, subject to payment
arrears/excess are not more than 90 days as at 1/4/2020. Periodical
placement of FD as collateral and reduction program during the
moratorium period will also be deferred.

Interest charges During the moratorium period, interest/profit will be charged on all
outstanding sum (inclusive of the unpaid instalment, if any, based on
existing terms and conditions). Interest/commission spread will be
maintained per letter of offer. Additionally, interest will not be
compounded during the moratorium period.

Penalty Interest Waived during the moratorium period.

Instalment Amount Your term loan (Conventional and Islamic) instalment amount will
remain the same post moratorium period. The interest spread and
principal during and post moratorium shall remain the same.

Loan tenure Loan tenure will be extended accordingly due to the 6 months loan
repayment deferment.

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BNM Moratorium for Maybank Business Banking Customers (V1.3)
Security/collateral All security/collateral created for the existing facilities shall continue
to secure existing facilities including the portion due to moratorium
exercise.

Trade Finance Trade Finance facilities outstanding as at 1/4/2020 and due for
payment between 1/4/2020 and 30/9/2020 will be deferred for 6
months from original due dates, in the same instruments or other
similar instruments. Interest/commission spread will remain unchanged
per letter of offer.

Contract Financing Payment of monthly interest will be deferred for 6 months during the
moratorium period if no proceeds are received from awarder(s).

Bridging Finance Minimum monthly instalment and interest to be deferred during the
moratorium period and to be capitalised. Redemption sum received
from end financiers during this period will be used to reduce loan
principal in accordance with Housing Development Act and Strata Title
Act.

SJPP/CGC Prior consent from SJPP/CGC is required for banking facilities

guaranteed by SJPP/CGC before implementation of the moratorium.

Save for the above, all other existing terms and conditions of your financing facilities shall remain
unchanged.

By continuing to enjoy the Moratorium, you confirm that you have read the FAQ and Basic Terms
for the Automatic Moratorium on www.maybank2u.com and agree to the same.

Please notify us by contacting the Relationship Manager/Business Development Manager that

manages your account, if you wish to opt out from the Moratorium, otherwise we will proceed
accordingly.

Best Regards.

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BNM Moratorium for Maybank Business Banking Customers (V1.3)