FIRSTRATE ENTERPRISE

(001580813-V)
NO 196B ,JALAN RAJA UDA ,PUSAT PERNIAGAAN RAJA UDA 12300
BUTTERWORTH ,PULAU PINANG.

(XXXXXXXX)

(XXXXXXXX)

(XXXXXXXX)

Date: (XXXXXXXX)
Dear Sir /Madam ,
Agree to accept the term and condition as ticked at below

I, (XXXXXXXX) IC no . (XXXXXXXX)
extremely elated to inform you that I had sign a loan agreement on
and also agreed to accept the term and condition as ticked at below :
/ I agree to meet and sign the contact at the designated location.
/ I am accepting the loan repayment period and amount.
/ I am accepting video recording and photo taking.
/ I agree to hand over the documents to the employee of this company.
/ I agree with the position of this employee on behalf of the company.
/ I agree with there are some charges ( exp : runner fees,stamp duty ,and etc will be
charge from the loan amount.

There are TWO options for you to choose if default is made in the repayment upon the due
date :-
(I) 8% interest per annum will be / (II) 0.3% interest per day including
charge; not include warning letter fee warning letter fee and Ctos handling
around RM100 - RM200 depends on the fee.
area; not include Ctos handling fee
around RM200 - RM300 but the fee will be
adjusted accordingly.

(All the installment and interest charges only accept in cash or through bank in to our
company account; third party bank account can not be accepted.)

Sincerely ,
*(SIGN PEMOHON)
….…………………………………….…
(BORROWER)
NAME : (XXXXXXXX)
IC : (XXXXXXXX)
PAGE 1
 MONEYLENDERS ACT 1951
MONEYLENDERS (CONTROL AND LICENSING ) REGULATIONS 2003

( Subregulation 10(1) )

MONEYLENDING AGREEMENT ( UNSECURED LOAN )

AN AGREEMENT made the day and year stated in section 1 of the First Schedule hereto
between the moneyledar as specified in section in 2 of the First Schedule (“the borrower “)
of the other part and the borrower as specified in section 3 of the First Schedule ( “the
Borrower”) of the other part.

WHEREAS the Lender is a licensed moneylender under the moneylenders Act 1951
hereby agrees to lend the Borrower and the Borrower agrees to borrow from the lender
for the purpose of this agreement a sum of money as specified in section 4 of the First
Schedule (‘ the Principal Sum”).

NOW IT IS AGREED as follows:

Instalment repayment

1. The instalment repayments in this Agreement Shall be due and payble without
demand the first of which is to be made on the ……………. ( date of the first repayment)
and thereafter on the …………….. of each and every subsequent month until the expiration
of the said ………. months from the date hereof .

Default
2. (1) If default is made in the repayment upon the due of any sum of any sum of
instalment payable to the Lender under this Agreement ,whether in respect of principal or
interest, the Lender shall be entitled to charge simple interest on the unpaid sum of
instalment which shall be calculated at the rate of eight per centum per annum from day
to day from date of default in repayment of the sum of instalment until that sum of
instalment is paid ,and any interest so charged shall not be reckoned for the purposes of
this Agreement as part of the interest charged in respect of the loan .

(2) The interest shall be calculated in accordance with the following formula :
S D
R X XS
100 365

Where,
R represents sum of interest to be paid.
D represents the number of days in default.
S represents the sum of monthly instalment which is overdue .

Right of action
(1) if the Borrower

(a) Fails to repay any sum of instalment payable or any part threof and any interest

* (SIGN PEMOHON)
PAGE 2
 payable under section 5 of the First Schedule for any period in excess of twenty days after its due
date ;or

(b) commits an act of bankruptcy or enters into any composition or

arrangement with his creditors or being a company,enters into liguidation, wheter
compulsory or voluntary the lender may terminate this Agreement .

(2) Upon the occurrence of any of the events specified in subclause (1) herein ,the
Lender shall give the Borrower not less than fourteen days notice in writing to treat this
Agreement as having been repudiated by the Borrower and unless in the meanwhile such
default alleged is rectified or such unpaid sum of instalment and interest are paid ,this
Agreement shall at the expiry of the said notice at the option of the Lender be deemed to
be annulled.

(3) In the event this Agreement has been terminated or annulled, the Lender may claim
the balance outstanding from the Borrower in accordance with the provisions under Order 45
of the Subordinate Court Rules 1990 [P.U. (A) 97/1990] in case the balance outstanding does
not excced two hundred and fifty thousand ringgit or Order 79 of the Rules of the High Court
1980 [ P.U.(A) 50/1980 ] in case the balane outstanding is higher than two hundred and fifty
thousand ringgit.

Compliance with written law

4. The Lender shall ,in relation to the moneylending business ,conform to the provisions
and requirements of the Moneylenders Act 1951 and any written law for the time being in force
affecting the business.

Stamp duties and attestation fees

5. All stamp duties and attestation fees incurred in connection with this Agreement shall
be borne by the Borrower.

Service of documents
6. (1) Any notice ,request or demand required to be served by either party hereto to the
other under this Agreement shall be in writing and shall be deemed to be sufficiently served -
(a) If it is sent by party or his solicitors by A.R registered post addressed
to the other party’s address hereinbefore mentioned and in such case it
shall be deemed to have been received upon the expiry of a period of five
days of posting of such reqistered letter: or

(b) If it is given by the party or his solicitors by hand to the other party or his
solicitors .
(2) Any change of address by either party shall be communicated to the other.

Schedules

7. The Schedule heroto shall form part of this Agreement and shall be read,taken and
construed as an essentail part of this Agreement .
Time essence of Agreement

* (SIGN PEMOHON) PAGE 3

8.The shall be the essence of the Agreement in relation to all provisions of this
Agreement .

Persons to be bound by Agreement

9. The Agreement shall be binding upon the succesors in tiltle and permitted assigns
of the Borrower .

IN WITNESS WHEREOF the parties hereto have set their hands the day and year first
above written .

SIGNED by the abovenamed )

Borrower )
Name : (XXXXXXXX) ) * (SIGN PEMOHON)
I.C / Co.Reg.No (XXXXXXXX) )

SIGNED by the abovenamed

Lender
Name : FIRSTRATE ENTERPRISE )
C /Co.Reg.No 001580813-V )

I,do Solemnly and sincerely declare that I have explained explained the terms of this
Agreement to the Borrower and it appears to me Borrower has understood the nuture
and consequence of this Agreement .

………………………………………………………………………………………….
(Name of the attestor )
(Advocate and Solicitor,officer of the judicial and
Legal Service ,Commissioner for Oaths District Officer,
Justice of the Peace or person appointed by the minister)

PAGE 4
 FIRST SCHEDULE
(which is to be read and construed as an integral part of this Agreement )

Section Item Particulars

No.

1 The day and year of this Agreement

2 Name ,IC .No.,Company Registration FIRSTRATE ENTERPRISE
No.,Licence No.and address of the 001580813-V
Lender
3 Name,I.C. No.,Company (XXXXXXXX)
Resgistration No.and adderess of the (XXXXXXXX)
Borrower
4 Principal Sum ….……………………………..rinngit
(RM …………………………………………..)

5 Interest rate The rate of interest is at

……………………. per centum
(…………………………%) per annum
6 Amount of each instalment
repayment
7 Amount of final instalment
repayment

*(SIGN PEMOHON)
*(NO ACC BANK PEMOHON)
*(NAMA BANK PEMOHON)
*(NAMA PEMEGANG BANK)

(FAMILY) * (NAMA RUJUKAN)

* (HUBUNGAN)
* (NO TELEFON RUJUKAN)

(KAWAN) * (NAMA RUJUKAN)

* (HUBUNGAN)
* (NO TELEFON RUJUKAN)

PAGE 5
Date :
To :
Dear Sir ,

RE :Consent Authorisation

Pursuant to the Credit Reporthing Agencies (CRA) Act 2010 and Central Bank of Malaysia ACT 2009, I/we
the undersigned do hereby give my/our consent to you and CTOS Data Systems Sdn Bhd (‘CTOS’) , a
registered credit reporting agency under the CRA Act to process my/our company personal data .

By this consent ,I/we understand and agree that :

I) you may conduct credit/trade check,CCRIS and DCHEQS checks on me/us and where applicable
with CTOS at any time for as long as I/we have a trade relationship with you or where any dues remain
unpaid and outstanding with you ,for any one or more of the following purposes:

√ Opening of account √ Credit /Account monitoring

√ Debt recovery √ Credit /Account evaluation
√ credit / Account review
√ Legal documentation consequent to a contract or facility granted by you.

ii) You may disclose any information on my/our conduct of my/our account (s) with you ,to any business
entity/les for bona fide trade checking at any time . l/We am/are also aware and understand that such
information will be provided to CTOS ,who may in turn share such information to subscribers of their
service.

iii) Where you require any processing of my/our application to be processed by any processing centre
located outside malaysia (including your Head Office ) .I/we hereby give consent to CTOS to disclose
my/our credit ,CCRIS,&DCHEQS reports to such locations outside Malaysia.

iv) Apart from the above,I/we the undersigned do give my/our consent to you and the CTOS, to process
my/our personal data as per the PDPA Act .
position

Signed By Signed By

* (SIGN PEMOHON)

Name : Name :

IC Number : IC Number :

Position : Position :

PAGE 6
 AGREEMENT OF EARLY LOAN REPAYMENT

This Loan Agreement (this "Agreement"),is made as of this ___________ day of __________
20__(the"Effective Date") by and among/between:

Borrower: _____(XXXXXXXXXXXXXXX)______ , located at ______(XXXXXXXXXXXXX)____

_____________________(XXXXXXXXXXXXXXXXXXXXXXXXX)________________. (Address).

Lender: FIRSTRATE ENTERPRISE , located at NO 196B JALAN RAJA UDA, PUSAT

PERNIAGAAN RAJA UDA, 12300 BUTTERWORTH PULAU PINANG. (Address).

The parties agree as follows:

1. Loan Amount. Lender agrees to loan Borrower the principal sum of RM_______
(the “Loan”).

2. Repayment of Loan: The installment repayments in this Agreement shall be due

and payable without demand the first of which is to be made on the _________
(date of the first repayment) and thereafter on the ____________of each and
every subsequent month until the expiration of the said ________months from
the date hereof. The loan shall be payable in monthly installment equal to
RM________, and the final monthly installment equal to RM_________.

3. Late Charge: Any installment not paid after due date shall be subject to a late
charge per centum (0.30%) per annum.

I, ____ (XXXXXXXXXXXXXXXXXXX)________ , agree to the terms as stated

above and promise to repay the loan early, also as stated above, to company.

SIGNED by the above named

Borrower
Name: (XXXXXXXXXXXXXXXXXX) ) * (SIGN PEMOHON)
I.C./Co. Reg. No.: (XXXXXXXXXXXXX) )

SIGNED by the above named

Lender
Name: FIRSTRATE ENTERPRISE )
I.C./Co. Reg. No.: 001580813-V )
PAGE 7
 FIRSTRATE ENTERPRISE (001580813-V)
___________________________________________________________
NO 196B 2nd FLOOR, JALAN RAJA UDA, PUSAT PERNIAGAAN RAJA UDA, 12300
BUTTERWORTH, PULAU PINANG.
OFFICE: 012-555 8441
E-MAIL: firstrate.enterprise@outlook.com

To: No :1
(XXXXXXXXX) Our Ref :
(XXXXXXXXX) (Please quote our file reference when
(XXXXXXXXX) making remittance)
(XXXXXXXXX) Date :
(Attn: ) Page No. :1

OUR PROFESSIONAL CHARGES:-

CLIENT:

Disbursement Fee for getting up:

Miscellaneous:
(i) Administrative Charges
(ii) Processing fee
(iii) Stamping fee
(iv) Lawyer Stamping Fee
(v) Printing, Stationery, Photostating,
Posting/Emailing/Courier, Mobile
Telecomunication, etc.
(vi) Travelling/Transportation

Including 6% Government Service Tax

RM XXX
TOTAL:

RINGGIT MALAYSIA (XXXXXXXXXXXXXXXXX) ONLY

…………………………………………………………….
FIRSTRATE ENTERPRISE

* (SIGN PEMOHON) PAGE 8

 FIRSTRATE ENTERPRISE
(001580813-V)

NO 196B, JALAN RAJA UDA, PUSAT PERNIAGAAN RAJA UDA 12300

BUTTERWORTH, PULAU PINANG.
OFFICE H/P: 012-555 8441

PAYMENT VOUCHER

PAY TO: XXXXXXXXXXX

IC NO: XXXXXXXXXXXX DATE:

DESCRIPTION AMOUNT

TOTAL XX,XXX

*(SIGN PEMOHON)

CUSTOMER NAME
FIRSTRATE ENTERPRISE (XXXXXXXXXXXXXXXX)
 FIRSTRATE ENTERPRISE
(001580813-V)
NO 196B ,JALAN RAJA UDA ,PUSAT PERNIAGAAN RAJA UDA 12300
BUTTERWORTH ,PULAU PINANG.
OFFICE H/P: 012-555 8441
(XXXXXXXX)

(XXXXXXXX)

(XXXXXXXX)

DATE:

LETTER OF UNDERTAKING ON THE RIGHTS OF ACTION BY MONEY

LENDER COMPANY

Referring to the above matter and the loan agreement executed on (XXXXXXXX)

2. I/We hereby agree according to the agreement, in the event of,

a) I/We fail to repay any sum of instalment or any part thereof and any
interest payable for any period in excess of twenty-eight (28)days after its
due date, and/or
b) I/We commit and act of Bankruptcy or enters into any composition or
arrangement with any creditors or, being a company, enter into liquidation,
whether compulsory or voluntary, the Money lender company shall have the
rights to terminate the agreement and the money lender company shall have
the rights to claim total balance outstanding from me with immediate effect in
accordance to the law. All legal cost, expenses, fees or duties incurred by
money lender company as a result of termination of the agreement shall be
borne by me.

Your faithfully,

Received by, Approved by,

___*(SIGN PEMOHON)____ (XXXXXXXXXXXXXXXX)

Name: (XXXXXXXXXXXXXXXX) Name: (XXXXXXXXXXXXXXXX)

Ic No: (XXXXXXXXXXXXXXXX) Ic No: (XXXXXXXXXXXXXXXX)