Structured Loans Packages - AmPetrol CashPlan

Criteria Security:a) Overdraft

Package A

Package B

Package C

Package D

20% Upfront FD of 25% Upfront FD of 30% Upfront FD of 33.3% Upfront FD loan amount loan amount loan amount of loan amount SF amount : SF amount : SF amount : SF amount : RM12,500 p/qtr RM7,500 p/qtr RM5,000 p/qtr RM3,750 p/qtr Quarterly Sinking Fund up to 50% of loan amount (up to 20 quarters) Without CGC Guarantee - Upfront FDR up to 50% of BG amount + 20% additional Sinking Fund (1/2 yearly) over 5 years a) Directorss guarantee (for Sdn Bhd only) b) CGC (M) Berhads guarantees For Overdraft i) FGS**: Coverage of 50% of the unsecured portion

b) Bank Guarantee

Guarantees:

Structured Loans Packages - AmPetrol CashPlan

Criteria

Package A
Maximum: OD: RM500,000 BG: RM150,000 Total RM650,000 > 5 years Min. of 1,000,000 liter

Package B
Maximum: OD: RM300,000 BG: RM100,000 Total RM400,000 > 3 years Min. of 750,000 liter

Package C
Maximum: OD: RM200,000 BG: RM75,000 Total RM275,000 > 1 year Min. of 300,000 liter

Package D
Maximum: OD: RM150,000 BG: RM 75,000 Total RM225,000 > 1 year Min. of 150,000 liter

Loan Amount

Years in Business Sales Volume (TMF) (per month) Purpose

OD: Working Capital BG: Payment Guarantee to Principal

Structured Loans Packages - AmPetrol CashPlan

Criteria Interest Rates

Package A
For OD

Package B

Package C

Package D

a)

FGS (BNM Funds under NEF2 or FSMI2) i) For unsecured portion: Between 4% to 6% (subject to BNM approval on the funding) ii)For secured portion (secured by FD) : At 0.25% p.a. + BLR

b) c)

ENHANCER At 0.75% p.a. + BLR Commiitment fee of 1% p.a. from the unutilized portion of the OD

For BG At 1.20% p.a.

CGC Fee

a)

FGS- Flexi-Guarantee Scheme Between 0.80% - 2.15% p.a. of the guarantee coverage of the unsecured portion based on Risk Adjusted Pricing (RAP)(to be borne by AmBank (M) Bhd) ENHANCER Up to 3.0% p.a of the guarantee coverage of the unsecured portion.(to be borne by applicant)
0.1% of total loan amount

b)

Processing Fee Tenure

a) FGS : Up to 5 years duration (subject to annual review) b) ENHANCER : Up to 5 years duration (subject to annual review)