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Letter Offer Copy - pdf-1

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Letter Offer Copy - pdf-1

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Our Ref.

: MTF22201868

Date:
HERMINAH BINTI TAHIR
INDAH JAYA APARTMENS
BLOK 2,LOT 9, GRD FLR, BATU 4, 90000 ,SANDAKAN
SABAH

Dear Sir/Madam,

LETTER OF OFFER

We are pleased to inform that JCL CREDIT LEASING SDN. BHD. (413411-H) (JCL CREDIT
LEASING) has approved the following financing facility to HERMINAH BINTI TAHIR
(NRIC No: (740621125564) subject to the given terms and conditions:
-

1. THE FACILITY

The Facility as described in Section 1 of the Schedule 1

hereto.
2. BENEFICIARY

The party whose name and description are stated in Section 2 of the Schedule 1
hereto.

3. PURPOSE OF THE FACILITY

The Facility herein approved shall be utilized by the client for Shariah compliant
purposes only
and exclusively for the purpose as stated in Section 3 of the Schedule 1 hereto.
4. SELLING PRICE

The Selling Price payable by the Client to JCL CREDIT LEASING as stated in Section 4 of
the Schedule 1 hereto.

5. PURCHASE PRICE

The amount stated in Section 5 of the Schedule 1

hereto.
6. PROFIT MARGIN
JCL CREDIT LEASING’s margin of profit as stated in Section 6 of Schedule 1 hereto.

7. FACILITY TENURE – 2 Years

The period stated in Section 7 of the Schedule 1

hereto.
8. PAYMENT

The payment of the Selling Price shall be affected in accordance with Section 8 of the
Schedule
1 hereto.
9. JCL CREDIT LEASING shall deduct the costs specified in Section 9 of the Schedule 1 hereto
DEDUCTIONS
from the Facility consist of the following: -

9.1 TAWARRUQ FEE – RM 25

9.2 PROCESSING FEE – RM 50

9.3 TAKAFUL FEE – RM 0

The amount for payment of fee duty specified in Section 9 of the First Schedule shall be
deducted from the Facility. If the amount Must pay for payment of the
abovementioned fees and / or the payment has been made by JCL CREDIT LEASING on
behalf of the Client, JCL CREDIT LEASING reserved the right to demand the payment from
the Client.

10. OTHER TERMS AND CONDITIONS

You hereby agree to receive promotional SMS, materials,

a) mailers, emails and telemarketing
calls from JCL CREDIT LEASING.

b) That you understand and agree to the payment method explained

to you.

11. REBATE

JCL CREDIT LEASING shall undertake to grant rebate on the unnamed profit
of the Facility in the following situations: - portion
a) Upon early full settlement of the
Facility.

12. PENALTY

In the event of any overdue in payments of the Facility, the Client shall pay to JCL CREDIT
LEASING a late payment charges on such overdue amount at the rate of 8% or at the rate and
in the manner prescribed and approved by the Shariah Advisor for the Tawarruq
Financing
product of JCL CREDIT LEASING.
13. DISCLOSURE OF INFORMATION

The Client hereby agrees and admit that as long as the Facility continue and/or as long as
any
amount remains outstanding under the Facility and/or the Security Documents, JCL CREDIT
LEASING is entitled to disclose all or any part of any information on the Client and where
applicable the Client's business (including its accounts and/or future accounts),
reports or
a)
documents supplied in connection with the Facility: -
b) to the Central Credit Unit or any other financier or other regulatory authorities
and/or
c) authorized party(ies) to whom such person is required to make such disclosure;
to companies which are or which in the future may be subsidiaries of JCL CREDIT
LEASING and that the subsidiaries of JCL CREDIT LEASING shall also be entitled to
make such disclosure to JCL CREDIT LEASING and/or to the other subsidiaries within
JCL CREDIT LEASING’s Group of Companies;
d) to any guarantor and/or
surety;
e) pursuant to subpoena or other legal process or in connection with any action,
suits or
f) proceeding
pursuant to anyrelating
law. to the Security Documents; or
to its auditors, legal counsel and other professional
advisors;
Thank You.

Yours faithfully,

JCL CREDIT LEASING SDN. BHD. (413411-H)

SECTION FOR ACCEPTANCE BY THE CLIENT

I/We, the undersigned hereby accept the above offer and confirm that I/we have read and
understand
the terms and conditions set out above.
Signatory Witness

Name: HERMINAH BINTI TAHIR Name:

NRIC:
NRIC: 740621125564
Date:
Date:
SCHEDULE 1
(which is to be taken and construed as an integral part of this Letter of Offer)

SECTION ITEM PARTICULAR

1 The Facility The Facility is extended to the Client as follows: -

1) The Client appoints the Financier as an agent to perform the

following tasks: -
Appointment 1: -
As agent to purchase commodity from the Financier on
behalf of the Client.

Appointment 2: -
As agent to sell commodity to a commodity purchaser(s)
on behalf of the Client.

2) After the matters set out in 1 above have been concluded, the
Financier authoriseshall purchase commodity from an
commodity seller(s). Thereafter the Financier shall sell the
commodity to the Client on basis at an agreed selling
price which is payable by the Client on deferred terms.
The Financier acting as the Client’s agent will purchase the
commodity from the Financier.

3) The Financier acting as the Client’s agent shall sell the commodity
to commodity purchaser(s). The proceeds, which shall be
equivalent to the amount of the Facility, will be credited into the
Client’s bank account.
The Client shall pay the amount due under the Facility as per
agreed terms with the Financier.
2 Client Name and particulars of the person