1. COMPANY APPLICANT LETTERHEAD
CONTRACT SERIAL : PBSSB/888/LOANAPPROVAL/HK/INDIA
DATE XX XXX 2016
LOAN INVESTMENT FOR BUSINESS CONTRACT 2016
This agreement is made and entered into this day xx xxxxxx 2016, by and between the
parties described below:
Known as Loan Lender
NOW THEREFORE, The Lessee has agreed to lease the BG at 5% of Face Value
(Depending on the amount of face value) for the instrument requested and Lessor has
agreed to issue BANK DRAFT/BANK CHEQUE for lease and both Parties hereby agree
Known as Loan Applicant
to the following:
PROCEDURE
What is bank draft?
Bill of exchange drawn by a bank on itself, or on a correspondent bank in another city
or country. Bank drafts are commonly used by banks in dealings with other banks, or
when a creditor or seller is unwilling to accept an ordinary cheque from
a debtor or buyer in another city or country. (In local transactions a certified cheque or
a cashier's cheque serves the same purpose.) When a customer (the drawer) requests a
draft, the bank withdraws the amount of the draft from his or her account and holds it
to honor the draft on its presentment by the drawee.
Procedure to get loan using bank draft:
1. Both the parties will execute the contract and endorsed by International Notary
Public with legal stamp.
2. Loan Applicant will hand over Bank Guarantee of 500 thousand Euro/USD
(depending upon in what currency bank draft is issued) for stipulated period as
collateral and guaranteed their bank not rejected our swift. Once the transaction is
successful and loan amount is disbursed in loan applicant`s account, the lender
will encash the Bank Guarantee/Cash Cheque.
COMPANY NAME SC PANGIRAN BUDI SERVICE SRL
ADDRESS EUROPEAN UNION,GENEVA SWITZERLAND
DIRECTOR SIR DR IR FEROZ BIN MUSA
PASSPORT NO. A25895236
DATE ISSUED 21 JANUARY 2016
DATE EXPIRED 23 JUNE 2017
CITIZENS MALAYSIA
COMPANY NAME
ADDRESS
DIRECTOR
PASSPORT NO.
DATE EXPIRED
DATE ISSUED
CITIZENS

2. COMPANY APPLICANT LETTERHEAD
CONTRACT SERIAL : PBSSB/888/LOANAPPROVAL/HK/INDIA
DATE XX XXX 2016
3. Loan Applicant will receive soft copy of bank draft and confirmation letter to
verified and confirm verbiage of MT110.
4. The disbursement will be in two parts. In first part, the loan applicant will receive
30% of the loan amount to check if the bank has accepted the swift MT110. At
this stage, the loan applicant will pay 3% of the loan amount to the lender.
5. In the second part, the loan applicant will receive all the remaining 70% amount
and the loan applicant will pay 5% of the loan amount to the lender.
6. The above 3+5% is the Rate of Interest which the lender will receive in advance
for that particular year. After that, the loan applicant will pay interest on a
monthly basis.
Terms and Conditions:
1. The loan applicant need to provide all the relevant documents of his company to
the lender for verification.
2. The loan applicant will receive related forms from lender to fill and loan applicant
need to fill the correct and true information as requested.
3. The loan applicant need to take all the necessary permissions from the authority to
receive the loan from lender through bank draft. If the loan applicant fails to do
so, the lender will not be responsible for loss of their money.
4. 500 thousand Euro/USD bank guarantee is the upfront amount which loan
applicant need to pay before starting of the procedure.
5. Tenure of the loan is 5 years.
6. The lender will hold 49% stake in the loan applicant`s company for 5 years.
7. The Rate of Interest is 8% and loan applicant has to pay first year interest in
advance as mentioned above.
8. The lender will not held any mortgage from loan applicant.
9. If the loan applicant will not be able to repay the monthly installment for
consecutive 3 months, the penalty charges will be levied and still if the loan
applicant will not pay installments, the lender will take over the company paying
damage charges as applicable.
10. After successful completion of 5 years and complete repayment of loan, the lender
will take back his stake from the company.
SAMPLE OF BANK DRAFT

3. COMPANY APPLICANT LETTERHEAD
CONTRACT SERIAL : PBSSB/888/LOANAPPROVAL/HK/INDIA
DATE XX XXX 2016
Client Information SheetEnter Information Here
LOAN BASE ON BANK DRAFT REPAYMENT BY PROGRESS
OF THE PROJECT BY PERIOD AGREED BY BOTH PARTY
Comments /
Special
Instructions
Customer Info
Customer Name
Street Address
City, State, Zip
Business Phone
Street Address
City, State, Zip
Primary customer contact
Office Phone
Email Address(s)
Cell Phone(s)
Contract Name/No.
Project Contact
Phone
Email Address
Payment Terms
Special Terms
Preferred Billing Method
Preferred Payment Method
Services Notes
FOR AND ON BEHALF OF THE LOAN APPLICANT
________________ _________
Signature and Stamp/Seal
Name:
Designation:
Passport #:
Nationality:
Issue date:
Expiry date:
BDA International Passport (Attached as Appendix A)
New customer ID

4. COMPANY APPLICANT LETTERHEAD
CONTRACT SERIAL : PBSSB/888/LOANAPPROVAL/HK/INDIA
DATE XX XXX 2016
FOR AND ON BEHALF OF THE LOAN LENDER
______ __________ _________
Signature and Stamp/Seal
Name: SIR DR IR FEROZ BIN MUSA
Designation: LOAN LENDER ISSUER
Passport #: A 25895236
Nationality: MALAYSIAN
Issue date: 21 JANUARY 2012
Expiry date: 23 JUNE 2017
BDP International Passport (Attached as Appendix B)
The Lessor and Lessee agree to the following banking co-ordinates pertaining to the
agreement herein above stated:
LOAN LENDER BANKING CO-ORDINATES TO ISSUE BANK DRAFT/BANK
CHEQUE VIA SWIFT MT110 AND RECEIVE 3% UNDERTAKING AFTER
APPLICANT VERIFIED AND CERTIFIED BANK DRAFT SOFT COPY
Bank Name BANCO DE ORO
Bank Address UNITS 1-6 TPE BUILDING GOV CUENCO MANILA
Account Name PHILNIG HOLDING CORPORATION
Account Number USD 104930074471
IBAN Number TBA
SWIFT CODE BNORPHMM
Bank Officer JOCELYN ANDREA G SANTOLALA
LOAN APPLICANT BANKING CO-ORDINATES TO RECEIVE BANK
TRANSMISSION MT110
Bank Name
Bank Address
Account Name
Account Number
IBAN Number
SWIFT CODE
Bank Officer

5. COMPANY APPLICANT LETTERHEAD
CONTRACT SERIAL : PBSSB/888/LOANAPPROVAL/HK/INDIA
DATE XX XXX 2016
LOAN LENDER RESERVES THE RIGHT TO USE ANY BANK ACCOUNT TO
RECEIVE BANK TRANSMISSION/ADMINISTRATIVE FEES OR LEASE FEES
TO SMOOTHEN TRANSACTION OPERATION (IT’S OUR BANK
REGULATIONS AND PROCEDURE).LOAN LENDER AND LOAN APPLICANT
RESERVES THE RIGHT TO CHANGE THE BANK COORDINATES STATED
HEREIN AT ANYTIME BY PROVIDING WRITTEN REQUEST TO THE
UNDERSIGNED.
LOAN LENDER CO-ORDINATES TO RECEIVE 2% INVOICE PRICE AFTER
FINAL CONFIRMATION HARD COPY RECEIVE BY APPLICANT BANK
----------------------------DOCUMENT END------------------------------------
Bank Name BANCO DE ORO
Bank Address UNITS 1-6 TPE BUILDING GOV CUENCO MANILA
Account Name PHILNIG HOLDING CORPORATION
Account Number USD 104930074471
IBAN Number TBA
SWIFT CODE BNORPHMM
Bank Officer JOCELYN ANDREA G SANTOLALA

6. COMPANY APPLICANT LETTERHEAD
CONTRACT SERIAL : PBSSB/888/LOANAPPROVAL/HK/INDIA
DATE XX XXX 2016
APPENDIX A:
LOAN APPLICANT INTERNATIONAL PASSPORT

7. COMPANY APPLICANT LETTERHEAD
CONTRACT SERIAL : PBSSB/888/LOANAPPROVAL/HK/INDIA
DATE XX XXX 2016
APPENDIX B:
LOAN LENDER INTERNATIONAL PASSPORT

8. COMPANY APPLICANT LETTERHEAD
CONTRACT SERIAL : PBSSB/888/LOANAPPROVAL/HK/INDIA
DATE XX XXX 2016
DRAFT
SWIFT MT 110
(ON THE BANK LETTERHEAD)
SENDER:
BANK: BANK OF XXXXX
Registered Office in HONG KONG, CHINA
Tel: +XX-(0)XXXXXXXXXXX
Fax: +XX (0)XXXXXXXX
SWIFT Code: XXXXXX
RECEIVER:
BANK NAME: XXXXXXXXXXXX
BANK ADDRESS: XXXXXXXXXXXXXXXXXX
SWIFT Code: XXXXXXXXXXXXX
ACCOUNT NAME: XXXXXXXXXXXXXXXXX
ACCOUNT NUMBER: XXXXXXXXXXXXX
Bank officer name: XXXXXXXXXXXX
Bank Tel: XXXXXXXXXXXXX
Bank Draft No : xxxxxxxxx
Name Issuing Bank: …...
Currency: Euro
Amount:
Issued at:
Issuing Date: DD / September/ 2015
We HEREBY CONFIRM OUR BANK DRAFT NUMBER …………. AS FOLLOWS:
FOR VALUE RECEIVED BY US, WE BANK OF COMMUNICATIONS LIMITED, LOCATED AT 20 PEDDER
STREET, CENTRAL, HONG KONG, WITH FULL BANK RESPONSIBILITIES HEREBY CONFIRM THE
ISSUANCE OF OUR IRREVOCABLY. UNCONDITIONAL, ENDORSABLE AND ASSIGNABLE BANK DRAFT
NUMBERS…………... BY THE ORDER OF OUR CLIENT SINO FAOUR HOLDINGS LIMITED COMPANY
AND THAT THIS BANK DRAFT WILL BE ENDORSED TO BENEFICIARY SINO FAOUR HOLDINGS
LIMITED COMPANY WITH ACCOUNT NUMBER 02753293141731 OF THE BANK OF COMMUNICATIONS
LIMITED LOCATED AT 20 PEDDER STREET, CENTRAL, HONG KONG BANK.
SIN FAOUR HOLDINGS LIMITED COMPANY WILL BE THE NEW AND ONLY BENEFICIARY OF THIS
DRAFT.
WE ALSO CONFIRM THAT THE ASSET/FUNDS ARE CLEAN CLEARED CASH FUND DERIVED FROM
LEGITIMATE BUSINESS TRANSACTION OF NON CRIMINAL ORIGIN. THESE INSTRUMENTS VALID FOR
ONE YEAR AND ONE DAY.
WE PROMISE TO PAY WITHOUT PROTEST OR NOTIFICATION AGAINST THIS BANK DRAFT ENDORSED
TO SIN FAOUR HOLDINGS LIMITED WITH NEW MATURITY DATED OCTOBER X, 2015., THE SUM
OF …………………………………………………EURO ONLY (€000.000.000,00) IN THE LAWFUL CURRENCY
OF THE EUROPEAN UNION UPON PRESENTATION TO US OF THE ORIGINAL OF THIS BANK DRAFT AT
OUR COUNTERS.
SUCH PAYMENT SHALL BE MADE WITHOUT SET-OFF, FREE AND CLEAR OF ANY DEDUCTIONS, OR
CHARGES, FEES, OR WITHHOLDING OF ANY NATURE, NOW OR HEREINAFTER IMPOSED, LEVIED,
COLLECTED, WITH-HELD OR ASSESSED BY THE GOVERNMENT OF UNITED KINGDOM OR ANY
POLITICAL SUBDIVISION

9. COMPANY APPLICANT LETTERHEAD
CONTRACT SERIAL : PBSSB/888/LOANAPPROVAL/HK/INDIA
DATE XX XXX 2016
FEE PROTECTION AGREEMENT
Both Lessor and Lessee agree that the Lessor’s and Lessee's agents are entitled to 0.5% + X% of the
BG/SBLC Face Value as commission fees. These commission fees will be shared between the Lessor’s and
Lessee’s agents as specified here below.
The parties agree that the commission fees stated are compensation for services rendered and are
irrevocably and unconditionally guaranteed to be paid by the Lessee to the agents and intermediaries listed
in this FPA by wire transfer simultaneously with the Lessee’s payment of X% of the face value of the
*BG/SBLC as selling fee to the Lessor for every tranche and/or transaction of the *BG/SBLC. The
commission fees will be free of legal impediment and free of any deductions, excluding bank transfer fees,
for this and all subsequent transactions between the parties.
In consideration of the mutual benefits to be derived by the associates or affiliated individuals, agents,
companies, designees, trustees or executors, it is understood and agreed that the parties hereto are mutually
desirous of effecting this business transaction in co-operation with one another for their mutual benefit and
all signatory parties agree to abide by the following terms and conditions:
1. Each party agrees that they will not make any contact with, deal with or be involved with
individuals, trader and investor introduced by another signatory without specific permission of the
introduced signatory for the Investor.
2. The signatory agrees to keep confidential the identity of and all contacts so provided by any other
signatories.
3. The parties hereto agree that all commissions or fees as agreed by the parties shall be paid in full at
the end of every transaction.
4. This agreement shall be legally binding on the parties hereto, their principals, employees,
representatives, agents and assigns in all countries of the world.
The parties hereto affirm that in every case they will act with the highest standards of ethics and honesty in
all their dealings.
This agreement shall be respected and honored at all times, unless otherwise mutually agreed upon and any
party will permit no attempt or hint of circumvention.
Each of the above parties agrees and understands that any overt or covert action of circumvention
prescribed by this agreement shall be a fraudulent act against the other party and will be subject to judicial
action, recompense for damages, possible punitive damages and injunctive relief imposed by the legal
process.
Both parties hereby agree that the agents and intermediaries referred to in this FPA shall be as follows:
TOTAL COMMISSION FEE OF 3% OF FACE VALUE IN EURO/USD PAID BY THE BDA TO
BE SHARED EQUALLY AS FOLLOW:
TOTAL COMMISSION OF 1% TO PROVIDER’S SIDE (CLOSED)
Bank Name STANDARD CHARTERED BANK HK
Bank Address KOWLOON HONG KONG
Account Name SYAREENA BINTI SHAHBUDIN
Account Number 57487970331
IBAN Number TBA
SWIFT CODE SCBLHKHHXXX
Bank Officer KENNY-SF.YIP@SC.COM

10. COMPANY APPLICANT LETTERHEAD
CONTRACT SERIAL : PBSSB/888/LOANAPPROVAL/HK/INDIA
DATE XX XXX 2016
TOTAL COMMISSION OF 1% TO LOAN LENDER SIDE (CLOSED)
Bank Name
Bank Address
Account Name
Account Number
IBAN Number
SWIFT CODE
Bank Officer
TOTAL COMMISSION OF 1% TO LOAN APPLICANT APPLICANT’S SIDE (OPEN)
Bank Name
Bank Address
Account Name MR GIRISH
Account Number
IBAN Number
SWIFT CODE
Bank Officer
This Fee Protection Agreement has been agreed and executed by the undersigned on this day 00/00/2015.
FOR AND ON BEHALF OF THE LOAN APPLICANT
________________ _________
Signature and Stamp/Seal
Name:
Designation:
Passport #:
Nationality:
Issue date:
Expiry date: