THIS FRIENDLY LOAN AGREEMENT is made the day of 2014

Between

(name) (NRIC xxxxxx-xx-xxxx) of No. (address) (hereinafter referred to as The Lender) of
the one part;

and

(name) (NRIC xxxxxx-xx-xxxx) of No. (address) (hereinafter referred to as the Borrower)
of the second part.

WHEREAS :-
1. The Lender at the request of the Borrower agrees to grant to the Borrower a friendly
loan amounting to the sum of Ringgit Malaysia xxxxxxxxxxxxx (RM xxxxxxx.00) only
and the Borrower agrees to accept the Loan without any benefits upon the terms
and subject to the conditions as contained in this Friendly Loan Agreement
(hereinafter "Agreement") as hereinafter set forth.

2. The Borrower is the registered owner of the x,000 shares in xxx (hereinafter referred
to as the Shares) which shall be pledged by the Borrower to the Lender as security
for the Loan (hereinafter referred to as the Security).
3. The parties agree to appoint xxx as the Stakeholder (hereinafter the Stakeholder).
4. This Agreement is to clarify the responsibilities and relationships of the parties in
implementing their goals as described here.
NOW IT IS HEREBY AGREED by all parties that: -
1. The Lender hereby grants to the Borrower an interest free loan amounting to the
sum of Ringgit Malaysia xxxxxx (RMxxxxxx) only (hereinafter referred to as the
Loan) the receipt whereof the Borrower hereby acknowledges.

2. Both Parties agree and confirm that the loan is a friendly loan and is provided
without interest of any kind and the loan shall be paid pursuant to the conditions
hereinafter set forth. The Borrower further acknowledges, confirms and agrees that
the granting of the Loan by the Lender to the Borrower does not contravene the
Moneylenders Act 1951.

3. The Borrower agrees that the Loan shall be disbursed in the manner as the Lender
shall deem fit.

4. The Borrower shall repay to the Lender the Loan of Ringgit Malaysia (RM) only being
the whole amount of the Loan on or before the day of xx.xx.xxxx. (manner of paying
the loan-camna??? Bayar ansuran ke lump sum?)

5. As security for the repayment of the Loan by the Borrower to the Lender the
Borrower hereby deposits with the Stakeholder the original Share certificates with
the duly executed transfer forms. Upon the full repayment of the Loan, the Lender
shall instruct the Stakeholder to return the Shares together with the duly executed
transfer forms to the Borrower.

6. During the continuance of this Agreement and until the full repayment of the Loan,
the Borrower hereby undertake not to sell, assign, transfer or create a trust or
howsoever deal with the whole or part of the Shares or attempt to create or permit
to subsist any charge and / or encumbrances on or over the whole or part of the
Shares.

7. Borrower covenants and declares that in the event the Borrower defaults in the
repayment of the Loan, or any part thereof, as provided under this Agreement, the
Borrower acknowledges that the Lender shall, in addition to any other remedy, be
entitled to full recovery to the fullest extent of the law for all or any part of the Loan
still outstanding. The Lender may instruct the Stakeholder to register the transfer of
the Shares.

8. In addition to the remedies as hereinbefore set out, the Lender shall be at liberty
and without prejudice to the said remedies, proceed or commence against the
Borrower any claims actions suits civil proceedings of any nature and by law
prescribed at any time at the absolute discretion of the Lender.

9. This Agreement shall not be prejudiced, diminished or affected by:-
(a) any failure by the Lender to take, perfect or enforce any security now or
hereafter held by the Lender;
(b) the Lender giving or granting any other indulgence to the Borrower;
(c) the death, bankruptcy or insanity of the Borrower.

10. The Borrower(s) hereby represent(s) and warrant(s) to and undertake(s) with the
Lender as follows:-
(a) that the Borrower has the power or capacity to execute, deliver and perform
the terms of this Agreement, and in particular as referred to in Recital 2 and
clause 4 above;
(b) that this Agreement constitutes the legal, valid and binding obligations of the
Borrower in accordance with their respective terms;
(c) no bankruptcy proceedings have been commenced against the Borrower;
(d) the Borrower is the legal and beneficial owner of the said Shares which are
offered as security under this Agreement;

11. The Borrower shall at all times hereafter save harmless and keep the Lender
indemnified against any and all expenses costs actions proceedings claims demands
penalties damages and liabilities which may be brought or made against or incurred
by the Lender by reason or on account of non-observance of all or any of the
stipulations on the part of the Borrower contained in this Agreement or otherwise
howsoever arising out of or in connection with this Agreement.

12. Time wherever mentioned in this Agreement shall be of the essence of this
Agreement.

13. This Agreement shall be governed by and construed in all respects in accordance
with the laws of Malaysia and the parties hereto hereby submit to the jurisdiction of
the courts of Malaysia in all matters connected with this Agreement.

14. The Borrower shall be liable for the solicitors costs in the preparation of this
Agreement, the stamp duty payable thereon and all other necessary expenses.

15. If any of the provisions of this Agreement is found by a court of competent
jurisdiction to be void or unenforceable, in whole or in part, under any enactment or
rule of law, such provision shall be deemed to be deleted from this Agreement and
the remaining provisions of this Agreement shall remain in full force and effect.
Notwithstanding the foregoing the parties hereto shall thereupon negotiate in good
faith in order to agree on the terms of a mutually satisfactory provision to be
substituted for the provision so found to be void or unenforceable.

16. All claims under this Agreement shall be by notice in writing in English Language and
shall be deemed to be sufficiently served if the same is sent or addressed to any
party by registered post to the address hereinbefore mentioned or to the last known
address and shall be deemed to have been received within seven (7) days following
the date it was posted.

17. In this Agreement where the context so admits, the term the Lender and the
Borrower shall include their respective personal representatives.










IN WITNESS WHEREOF the parties hereto have hereunto set their hands the day and year
first abovewritten.