EXPLANATORY NOTES

SITE VISIT REPORT

CENTER :
Name of Hirer : Site Visit conducted at:Address : Place of business : Workplace : Others (to spell out):

VEHICLE NO :

DATE:

Person met/spoken to during site visit (Name) : Relationship with hirer : Purpose of site visit :Income Justification : Employment Verification :

Others (To spell out) : .. 1)Observation:- ( Things to observe and its description ) Place of Business/ Location/ Type of Trade or Business/ Premises/ Sign Board/ Surrounding Areas/ Volume of Scale of Business/ Size of Premises/ Staff Force based on Observation/ Operating Hours,etc. 2) On Site Independent Checking/ Employment Verification :-Business -Checking with Neighbourhood/ Customers/ Other 3rd Party around the vicinity on the existence of business. - For Verification of Employment and Income - To verify with Supervisor and above level on applicants length of service/ salary/ income/ position/ character/ qualification.Also try to observe hirer's employment records if posibble. ie:- Punch Card/ Pay records/ Employment tag etc. 3) Interview/ Verification with Applicant/Guarantor :- To verify Involvement in the business/ Established Date/ Trading Partner/ Suppliers/ Associates/ Profit Margin/ Costing/ Volume of Sales/ Staffing, etc. 4) Income/ Justification :-Computation of Income based on interview and observation source. Example : - Sales (per day / per month) - Less. Operating Cost (per day / per month ) - Estimated Profit (per day / per month) -Other comments if any. ie Stock Level , etc 5) Types Of Documents obtained/ sighted :- BR/ Borang D/ Form 24,44,49/ Bank Statement/ Saving/ Supplier Invoices & Receipts/ Sales Receipts/ Land Tittle/ Registration Card/ Utilities Bills,Tenancy Aggrement, etc (whichever applicable) 6) Photos :- Photos taken should be reflective of the above observation. To indicate reason if unable to take photos. Comment by AM/RSM :- Compulsory by AM/RSM Comments on overall assesment on the site visit and recommendation on its credit merits on the loan application assesment. Site Visit Conducted by : Verified by Underwriter : Authorised by AM/RSM : (Underwriter to verify the above information and facts with the revelant parties) RM RM RM

Name: IMPORTANT NOTE :-

Name:

Name:

1. AFC TO ENSURE STRICT COMPLIANCE IN COMPLETING THE ABOVE REPORT TO AVOID 'NON BY MCUD.

ACCEPTANCE'

2. SHOULD THERE BE INSUFFICIENT SPACE FOR COMMENTING, PLEASE USE ATTACHMENT UNDER THE RESPECTIVE SUB-HEADING. INTEGRITY IN VERIFICATION & COMMENTING THE ABOVE IS IMPORTANT. 3. NO OTHER FORMAT OF SITE VISIT REPORT TO BE USED.

SITE VISIT REPORT

CENTER : KBR
Name of Hirer : SAUDI BIN ISMAIL Site Visit conducted at:Place of business : Workplace : Address : KG TELAGA LANAS PENGKALAN KUBUR TUMPAT KELANTAN Person met/spoken to during site visit (Name) : Relationship with hirer : Purpose of site visit :Income Justification : Employment Verification : Others (to spell out) :

VEHICLE NO : new

DATE:

26/12/2010

Others (To spell out) : .. 1)Observation:Beliau merupakan orang tengah dalam urusan jual beli ikan. Berpengalaman selama 5 tahun,ikan2 ini di ambil di Kompleks Perikanan Pengkalan Kubur & di hantar kepada pemborong di Jelawat Bachok & Selising P.Puteh.Urusniaga setiap hari dari jam 4.00 pg hingga 2.00 ptg.

2) On Site Independent Checking/ Employment Verification :Rujukan - Mohamad Hazwan Bin Zulkifli Peniaga Ikan ( 013-9008098 ) Beliau menggunakan sebuah Van Hicom Perkasa yang di beli tahun lepas tanpa menukar hak milik & masih lagi di biayai oleh CIMB Bank bernombor pendaftaran DBH 2976.Dengan menggunakan Van ini beliau menghantar ikan kepada pemborong. 3) Interview/ Verification with Applicant/Guarantor :Kadar yg di ambil oleh beliau adalah RM 25.00 untuk setiap 1 tong ikan,ini termasuklah kos tambang tenaga kerja,surat menyurat bagi proses membawa masuk ikan dari Thailand ke Komplek Perikanan. Purata beliau mendapat Rm 4.00 untuk 1 tong setelah di tolak kos2 yang tersebut & setiap hari lebih kurang 40 tong dapat di hantar kepada pemborong. 4) Income/ Justification :Purata pendapatan sebulan : Rm 4.oo x 40 tong = Rm 160.00 x 26 = Rm 4,160.00 sebulan 5) Types Of Documents obtained/ sighted :-

6) Photos :PHOTO DI AMBIL Comment by AM/RSM :-

Site Visit Conducted by :

Verified by Underwriter :

Authorised by AM/RSM :

Name: Tuan Kamaruzaman Bin Tuan Soh IMPORTANT NOTE :-

Name:

Name:

1. AFC TO ENSURE STRICT COMPLIANCE IN COMPLETING THE ABOVE REPORT TO AVOID 'NON ACCEPTANCE' BY MCUD. 2. SHOULD THERE BE INSUFFICIENT SPACE FOR COMMENTING, PLEASE USE ATTACHMENT UNDER THE RESPECTIVE SUB-HEADING. INTEGRITY IN VERIFICATION & COMMENTING THE ABOVE IS IMPORTANT. 3. NO OTHER FORMAT OF SITE VISIT REPORT TO BE USED.