FACTSHEET - INVESTMENT NOTE SUMMARY

B
Issuer’s Nature of Business The Company is principally engaged in logistics services.

Year Incorporated
Investment Note ID MYBTF-2108000567
2009 17.47%
Issuer ID MYISS-2100000132
Period of Campaign 18/08/2021 - 17/09/2021 as at 14/07/2021
Note : The successful subscription of this investment note by investors is not guaranteed by Moneysave. Credit Agency Score Equivalent (Please refer to Appendix) Effective Return
Source: CTOS Basis Average Risk (p.a.)
Financial Details Investor Returns (p.a.)
Product Type Shariah Business Term Financing - Working Capital Gross Rate (p.a.) 14.25%
Value of Invoices (RM) N/A LESS: Risk Reduction (3.25%)
Financing Amount (RM) 130,000.00 INCENTIVE Rate (p.a.)
Estimated Financing Period 4 Month (s)
INVESTOR's Gross Returns (p.a.) / Flat Rate (p.a.) 11.00%
Investors' Repayment Schedule (RM) KEY Risk REDUCTIONS Incentives
Repayment Type Monthly Repayment Schedule 4 Mthly Instalment Total Risk Reduction Incentives
(Capped at Max. 8% p.a.)
3.25%
Principal Repayment (Mth) 32,500.00 Estimated Total Repayment 33,691.67
Gross Return to Investor per 1,191.67 (Principal + Gross Return to Investors per Month) 1 Invoice is INSURED against Bad Debt / Late 2.50% No
Mth Payments @90%
2 Buyer is Government of Malaysia / GLCs or its 2.00% No
Issuer Summary Agencies / Subsidiaries
Location Selangor Profit Before Tax 2021 (RM) 4,177,971 3 Non-Govt. Buyer / Ultimate Holding Co / Sub. > 1.50% No
No. Employees 110 Sales Revenue 2021 (RM) 100,859,043 RM50m Cash or Equi. / Networth > RM10m
Conduct of Account Satisfactory Shareholder's Fund 2021 (RM) 12,319,116 4 DIRECT PAYMENT from BUYER + Notice of 2.50% No
Key Mgmt. Experience (Yrs) > 10 Years Default Probability 2.51%-5.00% ASSIGNMENT (NOA) Accepted by Buyer
Description of Business Issuer is engaged in the provision of comprehensive logistics services 5 Key Director's / 3rd Party GUARANTEES 1.50% Yes
and the distribution of a wide range of products including LPG, LNG,
sugar, and iron ore to all over Malaysia. 6 Invoices are VALIDATED with the BUYER 0.50% No

7 Notice of ASSIGNMENT (NOA) Served and 1.50% No

Acknowledged by Buyer
8 Other Risk Reductions accepted by Platform * 1.75% Yes

Business Term Financing - Working Capital Notes: *Other Risk Reductions accepted at the absolute discretion of Platform

Description of Financing Issuer is requesting short term financing for its general working capital 1 Post Dated Cheques or Its Equivalent 0.50% Yes
requirements. Monthly Instalment or Bullet (<=1 Month only) Repayment by
Utilisation 2 1.00% Yes
Issuer (NOT BUYER)
3 i. Issuer has made (3) Continuous Prompt Repayments 0.25% Yes
ii. Issuer has made (50) Continuous Prompt Repayments 0.50% No
iii. Issuer has made (100) Continuous Prompt Repayments 0.75% No

iv. Issuer has made (150) Continuous Prompt Repayments 1.00% No

Keyman(s) Insurance Policy assigned to Platform
4 0.75% No
(0.75% per keyman, max. 1.5%)
5 Evidence of Prior Payment made to Supplier, i.e. Issuer Pay first 0.50% No

6 Payment made by Platform to Seller/Insurer directly 1.00% No

Payment made by Platform to Strong Seller/Insurer directly
7 0.50% No
(> RM50m Cash or Equi. / Networth > RM10m)
Credit Info At A Glance 8 Margin of Finance <50% of Invoice 0.50% No
9 Marketable Property <60% OMV as collateral 2.00% No
Issuer is owned >51% (Effective Shareholding) by Government of
Entity Related Party 10 1.50% No
Credit Info Source Malaysia/GLC or its Agencies/Subsidiaries
No. Value No. Value Office & Product (if Any)
Winding Up / Bankruptcy Proceedings Record CTOS No No
Legal Records-past 24 Months (Personal Capacity) CTOS 0 0 0 0
Legal Records-past 24 Months (Non-Personal Capacity) CTOS 0 0 0 0
Availability of Legal Records BNM No No
Special Attention Accounts BNM No No
Outstanding Credit Facilties BNM 43 6.2m 0 0
Instalments in arrears in past 12 Months BNM Yes No
Credit Applications in past 12 Months (Total) BNM 10 0
Credit Applications in past 12 Months (Approved) BNM 10 0
Credit Applications in past 12 Months (Pending) BNM 0 0
eTR Plus at a Glance CTOS No Information Available
 FACTSHEET - ISSUER DETAILS
Existing & Past Exposure with Moneysave (for Latest 10 Notes, if any)
Date Financing
No Investment Note ID Product Type Financing Type Overall Conduct
Disbursed Amount
1 MYIVF-2108000563 Shariah Business Term Financing - Working Capital 17/08/2021 150,000 1st Instalment Due on 17/09/21

2 MYIVF-2107000548 Shariah Business Term Financing - Trade Payable 06/08/2021 155,010 1st Instalment Due on 06/09/21

3 MYIVF-2107000547 Shariah Business Term Financing - Trade Payable 05/08/2021 64,760 1st Instalment Due on 05/09/21

4 MYIVF-2107000546 Shariah Business Term Financing - Trade Payable 05/08/2021 132,180 1st Instalment Due on 05/09/21

5 MYIVF-2107000544 Shariah Business Term Financing - Trade Payable 05/08/2021 210,000 1st Instalment Due on 05/09/21

6 MYBTF-2107000520 Shariah Business Term Financing - Working Capital 28/07/2021 110,000 Due on 26/08/21

7 MYBIF-2107000481 Shariah Business Insurance/Takaful 02/07/2021 110,000 2nd Instalment Due on 02/09/21

8 MYIVF-2106000454 Shariah Business Term Financing - Trade Finance 25/06/2021 239,310 2nd Instalment Due on 25/08/21

9 MYIVF-2106000451 Shariah Business Term Financing - Accounts Payable 21/06/2021 193,560 2nd Instalment Due on 21/08/21

10 MYIVF-2106000410 Shariah Business Term Financing - Trade Finance 04/06/2021 222,700 3rd Instalment Due on 04/09/21

Shariah Conventional Past 12 Months No. of Shariah Conventional

Total No. Existing Exposure 17 0 Investment Notes
Total Approved Limit (RM) 3,500,000 1,000,000 i) Disbursed 23 10
Total Estimated Outstanding Amount (RM) 1,672,237 0 ii) Fully Settled 6 10

Guarantor Summary
Key Directors / 3rd Party Age / Date Share- Litigation/
Position Nationality Strength / Description
Guarantor Incorporated holding Black-List

Director & PG 1 has been the Executive Director of the company since
Personal Guarantor 1 (PG1) 32 66.00% Malaysian Nil/Nil
Shareholder 2018

Director &
Personal Guarantor 2 (PG2) 31 34.00% Malaysian Nil/Nil PG 1 has been the Executive Director of the company since 2018
Shareholder

Conduct of Account with other Financial Institutions / Banks (sourced from CCRIS)
No of Applications in the Last 6 No of Existing Financing
Approved Limit Outstanding Balance Overall Conduct
Months Facilities

Issuer Company 7 43 10,625,660 6,261,799 Satisfactory

PG 1 1 5 1,199,471 1,079,348 Satisfactory

PG 2 1 1 792,877 789,269 Good

Issuer Bank Statement

For Overdraft Only
Time Period
Main Bank Total Average Month End Latest Balance
Total Withdrawals Latest Unutilised
Account # Deposits Balance (2021-06) Overdraft Limit
From To Balance

Bank 1 Jan-21 Jun-21 6,374,714 6,409,363 95,653 68,512 N/A N/A

Bank 2 Jan-21 Jun-21 3,790,622 2,816,029 (253,811) 38,175 862,020 862,020
Bank 3 Jan-21 Jun-21 25,728,133 25,768,181 98,025 53,778 N/A N/A

Total 35,893,469 34,993,573 (60,133) 160,465 862,020 862,020

 FACTSHEET - ISSUER's FINANCIAL ANALYSIS
Balance Sheet Revenue
Audited Mgmt Acc. Mgmt Acc. Audited Mgmt Acc. Mgmt Acc.
Balance Sheet
31/03/2020 31/03/2021 30/06/2021 31/03/2020 31/03/2021 30/06/2021
Fixed Asset 17,802,060 47,872,161 36,469,416 Revenue 58,277,121 100,859,043 17,306,864
Current Asset 7,975,883 20,059,674 16,315,886 Cost of Sales 53,677,383 62,279,165 9,150,840
Trade Receivable 2,727,515 1,931,512 2,687,766 Gross Profit 4,599,738 38,579,878 8,156,024
Other Receivable & 3,403,261 11,287,924 9,098,469 Depreciation 39,629 4,699,948 982,964
Stock / Inventory 705,657 3,148,383 2,152,500 Staff Cost 711,274 6,751,521 811,854
Cash At Bank 1,139,450 3,691,855 2,377,150 Other Operating Exp. 2,271,454 21,230,543 4,887,462
Total Assets 25,777,943 67,931,835 52,785,302 Operating Profit 1,577,381 5,897,866 1,473,743
Other Income 124,654 515,105 106,926
Non Currrent Liability 13,302,621 46,844,216 33,168,633 Earning Before Int. & Tax 1,702,035 6,412,971 1,580,670
Bank Financing 0 1,000,000 1,000,000 Interest 586,777 2,235,000 558,299
Hire Purchase 13,002,621 45,844,216 30,429,308 Tax 633,915 0 0
Other Payable 300,000 0 1,739,326 Net Profit / Loss 481,343 4,177,971 1,022,370
Current Liability 8,834,177 8,768,503 6,275,182
Trade Payable 2,368,826 6,506,966 1,508,986 Financial Ratio
Other Payable & Accrual 3,160,798 2,261,537 1,781,197 Audited Mgmt Acc. Mgmt Acc.
Bank Borrowing 0 0 2,985,000 31/03/2020 31/03/2021 30/06/2021
Hire Purchase 3,304,553 0 0 Revenue Growth N/A 73% -83%
Total Liabilities 22,136,798 55,612,719 39,443,816 Gross Margin 5% 38% 47%
Total Equity 3,641,145 12,319,116 13,341,487 Net Margin 1% 4% 6%
Total Equity & Liability 25,777,943 67,931,835 52,785,302 Current Ratio 0.89 2.29 2.60
Quick Ratio 0.73 1.93 2.26
Leverage Ratio 10.80 4.51 2.96
Gearing Ratio 2.27 3.80 2.58
Pre-Tax Interest Coverage 16.48 2.87 2.83
EBT. On Net Worth 44% 34% 8%
Receivable Turnover (Days) 30 7 14
Payable Turnover (Days) 120 38 15

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 GENERAL RISK STATEMENTS
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Appendix

Source: CTOS Score (Turnover < RM50m) Source: EXPERIAN

Issuer's Credit Agency Risk Credit Probability Of Issuer's Credit Agency
Score Equivalent
Credit Score Score Equivalent
Risk Credit Description Credit Score Probability Of Default
Description Default
A Excellent 366-400 0.00%-0.65% A Strong 741-1000 0%-0.1%
A Excellent 350-365 0.68%-1.20% A Strong 701-740 1.1%-1.5%
A Excellent 330-349 1.25%-2.45% A Good 661-700 1.6%-2.5%
B Very Good 325-329 2.56%-3.09% B Good 621-660 2.6%-5%
B Very Good 320-324 3.21%-3.72% C Fair 581-620 6%-10%
B Very Good 310-319 3.86%-5.19% D Fair 541-580 11%-20%
C Good 305-309 5.38%-6.45% E Fair 501-540 21%-30%

C Good 297-304 6.68%-8.57% F Weak 461-500 31%-50%

C Good 290-296 8.88%-10.57% F Weak 421-460 51%-60%
D Fair 284-289 10.94%-13.85% F Weak 0-420 61%-100%
D Fair 279-283 13.85%-15.79%
D Fair 270-278 16.31%-22.27%
E Low 259-269 22.94%-28.83%
E Low 230-258 29.63%-40.31%
F Poor 100-229 48.23%-99.46%

Source: CTOS Basis (Turnover > RM50m) Code of Conduct

Issuer's Credit
Risk Credit Probability Of Conduct of
Agency Score Rating Credit Score Description
Equivalent Description Default Accounts Status

A AA Very Low Risk 86-100 0.00%-0.75% Past 12 Months Conduct of Prompt No MIA in any of the accounts
A A Low Risk 71-85 0.76%-1.50% Accounts based on Central Good MIA of not more than MIA 1 in any of the accounts
Credit Reference
B BB Below Average Risk 56-70 1.51%-2.50% Information System
Satisfactory MIA 2 < 5X or MIA 3 < 2X in any of the accounts
B B Average Risk 41-55 2.51%-5.00% (CCRIS);Months in Arrears Unsatisfactory 5X <= MIA 2 <7X or 2X <= MIA 3 <3X in any of the accounts
(MIA)
C C Above Average Risk 26-40 5.01%-10.00% Adverse MIA 2 >=7X or MIA 3 >=3X in any of the accounts
E D High Risk 11-25 10.01%-30.00%
F E Very High Risk 0-11 30.01%-100%