NIRWAN ZAIBIDI RESOURCES SDN BHD (948518-K)

No. Lesen: WL5637/14/01-9/210624

Address: NO.568-10-25,KOMPLEKS MUTIARA,BATU 3 ½ MILES,JALAN IPOH,51200 KUALA LUMPUR,WILAYAH

PERSEKUTUAN KUALA LUMPUR.
TEL: 03-27702739

Preliminary Agreement Letter

Date: 08/11/2023

Applicants Detail

Name : MOHD FITRI BIN AB.SATTARI

NRIC : 780903-12-5809
Address : KAMPUNG BUGAYA 91300 SEMPORA SABAH
Contact No. : 011-3127 2379
Bank Account No. : -
Terms & Conditions : Lock Interest (1 YEARS)
Others Payment : i) AGREEMENT & OTHER RM 580.00 (COMPANY PAID)
ii) FOR ON HOLD PAYMENT RM 350.00 (REFUND WITH 1 HOUR)

We,the team from NIRWAN ZAIBIDI RESOURCES SDN BHD, are in scripting this epistle in reference to your
solicitation for a loan amount of RM 5,000.00. Your solicitation has gone through the guaranteeing
efficiously and we are exultant to approve your application along with an annual interest of 3.88 %.

Interest Per Installment In Monthly

Facility Loan Amount
Annum Tenure Payment
2 Years
PERSONAL LOAN RM 5,000.00 3.88 % RM 224.50
(24 Months)

As stated above, an application of Personal BY MOHD FITRI BIN AB.SATTARI (NRIC: 780903-12-5809)
Letter of agreement under the ACT OF between two parties and if you may not be able to repay the loan
in the future.
 NIRWAN ZAIBIDI RESOURCES SDN BHD (948518-K)
No. Lesen WL5637/14/01-9/210624

Address: NO.568-10-25,KOMPLEKS MUTIARA,BATU 3 ½ MILES,JALAN IPOH,51200 KUALA LUMPUR,WILAYAH

PERSEKUTUAN KUALA LUMPUR.
Tel No. 03-27702739

For the payment of this installment, you are obliged to pay this fee. Due to the company’s license
relationship, Our company must be given full loan to each customer. If does not complete with the
regulations, the company will always be revoked license.

1) The company may reserves the right to take legal action if customer fails to make payment for over
(3) months.
2) The Successful Applicant confirms that he is not relying on anything that the Company’s staff or
representative has purported to advise, represent or promise that is not expressly stated in this Terms
and Conditions. Even if there is any advice given, the Successful Applicant agrees that they shall not
3) Be legally binding upon the Company or form a defence or support any claim by the Successful
Applicant in any legal proceedings.
4) Subject to proper verification, the company may rely and act upon any verbal or written instructions
received from you/borrower/customer through any mode acceptable to the company as it may deem
fit in its absolute discretion including but not limited to, by telephone, online or facsimile.
5) Customers are not allowed to apply for personal loan from other registration credit company or bank
within (3) months after the loan is released.
6) The Borrower proises to pay a late charge which is 1.5% of the monthly installment for the respective
installment that remains unpaid more than 7 day(s) after its Due Date. Payment of such late charges
shall under no circumstances to cure any default arising from or relating to such late payment.
7) If borrower requests cancellation after loan approve, the borrower need to bared the cancellation up
to RM2,500 to the company,
8) The Borrower on giving our company (3) months written notice may repay the entire Loan - the
remaining balance of the principal amount and interest of the first and second year of the said loan.
9) The Customer declares that he shall not use the Facility for any immoral or improper purpose or
laundering of monies or to assist in any of the above. The customer acknowledges that the company
may be obliged under the Anti-Money Laundering and Anti-Terrorism Loan Act 2001 and/or other
laws and regulations to report certain transactions to Bank Negara Malaysia (BNM) and/or other
relevant authorities and that the company, its officers and employees shall be under no liability for
making such reports.
10) All telephone conversations made between the Company’s Personnel and the Applicant(s) shall be
recorded by the Company for verification purpose. All agreements made with the Applicant(s) via
telephone shall be considered to be legal and binding on the Applicant and shall not be disputed.UR
F
11) Loan payments are accepted without prejudice to any recovery action, pending or contemplated, for
the full outstanding amount(s)

*By signing below I acknowledge that I have fully read and understood the course policy. I understand
that if I have any questions or concerns about this policy, it is my responsibility to discuss this with the
company.*
MOHD FITRI BIN AB.SATTARI Senior Finance Consultant
780903-12-5809 (MR TAN KANG YAP)
08 NOV 2023