● ABOUT THIS INVESTMENT NOTE
Issuer's fund raising under Tranche 1 for its working capital of RM100,000.00 will be utilised to partially fund the cost of building construction, infrastructure works and ancillary works for defined scope of works awarded by a Seremban-based property development company listed on the Main Market of Bursa Malaysia.

Please be informed that this Investment Note DOES NOT come with PRINCIPAL GUARANTEE protection. However, personal/joint and several guarantees of the Issuer's directors and/or shareholders have been obtained by QuicKash for this Investment Notes issued.

● MONTHLY INVESTMENT RETURNS
The Investment Note calculated at simple interest rate of 13.0% p.a. will be repaid in twelve (12) equal monthly instalment of RM9,416.67 each. The Issuer's 1^st repayment will fall due on the 30^th day after the fund raised was disbursed to the Issuer.

● INVESTMENT RETURNS
At interest rate of 13.0% p.a., the net interest rate return (after deducting the Investor Service Fee of 1.35% p.a.) is 12.8729% p.a. Hence, the gross and net effective interest rate of the investment returns is 23.19% p.a. and 22.97% p.a. respectively.   

● JOINT AND SEVERAL GUARANTEE BY ISSUER'S COMPANY DIRECTORS AND/OR THIRD PARTY
A joint and several guarantee by the Issuer's company directors and a 3rd party individual will be obtained.

● GOOD CREDIT RATING
QuicSkor's Credit Score - 624 points (Risk Grading = B))
RAMCI's I-Score - 598 points (Risk Grading = 6 (Good))
[Scale of 1 = Weak (Higher Risk) to 10 = Strong (Lower Risk)]

RAMCI's reports shows no on-going legal actions, no record of Winding-Up Order (on the Issuer and its holding company). There is no record of bankruptcy actions and no negative record of trade / other credit reference on the company director. The director's (personal guarantor)' repayment track record for the credit facilities granted by the banks was well-conducted.