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PUBLICREPAYMENT/PAYMENT ASSISTANCE (PEMULIH) FAQsWe are constantly updating our FAQs in line with regulatory updates. Please refer herefor the updated FAQs.1. Who will be eligible for this Repayment/Payment Assistance Programme?The following categories will be eligible for Repayment/Payment Assistance Programme:Individual Whether B40, M40 or T20Non-Individual Microenterprise (as defined in the Guideline on SME Definition issued by SMECorporation Malaysia). SME (as defined in the Guideline on SME Definition issued by SME CorporationMalaysia) whose financial condition has been adversely affected by the pandemic.Corporate, Commercial and Institutional Banking (CCIB) clients Please contact your Relationship Manager to explore the best options that suits yourcurrent financial needs.2. What are the products eligible for Repayment/Payment Assistance Programme?The following products which applications were approved on or before 30 June 2021 andremain performing (not exceeding 90 days in arrears) will be eligible for Repayment/PaymentAssistance Programme:Non-Islamic Products Personal Loan (Quick Cash Edge & CashOne) Residential and Commercial Mortgage Business Instalment Loan / Guaranteed Instalment Loan Term loan that have been converted from credit card balances (ABC) Trade Facilities – Please reach out to your Relationship Manager to explore the bestoptions that suits your current financial needs.Islamic Products Personal Financing-i Saadiq MyHome-i / Saadiq MyHomeOne-i Saadiq BBA JustHome-i BizProperty Equity-i Business Financing-i / Guaranteed Instalment Financing Trade Facilities – Please reach out to your Relationship Manager to explore the bestoptions that suits your current financial needs.A Standard Chartered Group CompanyStandard Chartered Bank Malaysia Berhad (Reg. No. 198401003274)Standard Chartered Saadiq Berhad (Reg. No. 200801022118)(v1.4)

PUBLIC3. What are the offers available in this Repayment/Payment Assistance Programme?Refer to Table A in Appendix 1 for details.4. What is Moratorium?Moratorium is a temporary deferment or suspension of loan/financing repayment/paymentobligation (principal and interest/profit) for 6 months. During this period, clients do not needto make any repayment/payment and no late repayment/payment charges/compensation orpenalties will be imposed.Interest/profit will continue to accrue on loan/financing repayments/payments that aredeferred, and clients will need to honour the deferred repayments/payments in the future.Loan/Financing repayment/payment resumes after the deferment period ended.5. What happens to the interest/profit accrued during the deferment period?Non-Islamic ProductsInterest from the 6 months deferred payments are accumulated and added into your principaloutstanding balance in order to re-calculate the loan. Hence, if you are having a:i)Fixed Tenure Loan – higher subsequent instalment amount while preserving theoriginal loan tenureii)Fixed Instalment Loan – loan tenure will be extended while preserving the originalinstalment amountIslamic ProductsProfit will continue to accrue during the 6 months deferment period, but it will not becompounded. If you are having a:i)Fixed Tenure Financing – higher subsequent instalment amount while preservingthe original financing tenureii)Fixed Instalment Financing – financing tenure will be extended while preservingthe original instalment amountYou may refer to Appendix 2 for sample illustration of loan/financing computation onmoratorium for your better understanding.A Standard Chartered Group CompanyStandard Chartered Bank Malaysia Berhad (Reg. No. 198401003274)Standard Chartered Saadiq Berhad (Reg. No. 200801022118)(v1.4)

PUBLIC6. Will I be paying more interest/profit for my instalment loan/financing after the 6 monthsdeferment period?Non-Islamic ProductsYes, you will be paying more interest for your instalment loan after the 6 months defermentperiod. Interest from the 6 months deferred payments are accumulated and added into yourprincipal outstanding balance in order to re-calculate the loan.Note: If you are still able to afford your loan repayments without the moratorium, you shouldcontinue with the repayments as usual so that your overall cost does not increase.Islamic ProductsYes, you will be paying more profit for your instalment financing after the 6 months defermentperiod. Your monthly instalment/s will be used to settle the 6 months financing defermentaccrued profit before reducing your outstanding financing amount. Profit will continue toaccrue on the outstanding principal balance amount.For Islamic fixed rate accounts under Personal Financing-i, BizFinancing-i and GuaranteeInstalment Financing, a Commodity Murabahah transaction will be performed for a new SalePrice to accrue the 6 months moratorium financing deferment profit.Note: If you are still able to afford your financing payments without the moratorium, youshould continue with the payments as usual so that your overall cost does not increase.You may refer to Appendix 2 for sample illustration of loan/financing computation onmoratorium for your better understanding.7. What is Interest Only Programme?Interest Only Programme is an offer to pay interest portion only of your monthly instalmentfor a period of 6 months. This programme is not available for Islamic products and CashOne.8. What will happen after the expiration of the 6 months Interest Only Programme?You will be required to resume your instalment payment amount.If you are having a:i)Fixed Tenure Loan – higher subsequent instalment amount while preserving theoriginal loan tenureii)Fixed Instalment Loan – loan tenure will be extended while preserving the originalinstalment amountA Standard Chartered Group CompanyStandard Chartered Bank Malaysia Berhad (Reg. No. 198401003274)Standard Chartered Saadiq Berhad (Reg. No. 200801022118)(v1.4)

PUBLIC9. What is Restructuring & Rescheduling (R&R)?R&R is a programme of debt consolidation with single repayment/payment terms andextending tenure.10. How does the R&R work?Under R&R, your existing account will be closed, and a new account will be opened withrevised repayment/payment amount. All unsecured facilities under individual clients will beconsolidated according to segment (Non-Islamic and Islamic).A notification will be issued by the bank with new account number and repayment/paymentamount once the account is successfully converted upon approval.11. Will this Repayment/Payment Assistance have any impact to my CCRIS record?No. This Repayment/Payment Assistance will not have any impact to your CCRIS record.12. Do I need to provide any documents to support my request?Required document will be subjected to the categories below:Individual Request letter for the programme with client’s signature (for those loan / financingwith multiple clients, request letter must be signed by all parties). No document will be required for loan / financing with single client.Non-Individual Duly complete the SME Repayment/Payment Assistance Declaration Form andselect preferred Repayment/Payment Assistance package with authorizedsignatory’s signature.Corporate, Commercial and Institutional Banking (CCIB) clients Please contact your Relationship Manager on the documentations required.Note:Where the client is found to have misled the bank at the point of application, banks mayrescind and re-negotiate the assistance initially granted.A Standard Chartered Group CompanyStandard Chartered Bank Malaysia Berhad (Reg. No. 198401003274)Standard Chartered Saadiq Berhad (Reg. No. 200801022118)(v1.4)

PUBLIC13. How can I submit my request for Repayment/Payment Assistance Programme?You may submit your request through the following channels: Log in to SC Mobile Banking Apps (for Individual); or Download the form from our website and email us through [email protected](for Individual) or [email protected] (for SME); or Chat with us via Click to Chat at sc.com/my; or Call our Client Care Centre at 1300 888 888 (within Malaysia) or 603 7711 8888 (outsideMalaysia); or Visit your nearest branch For Trade Facilities & CCIB clients, please reach out to your Relationship Manager toexplore the best options that suits your current financial needs.14. What is the processing time for my request?The processing time for the request as below: Moratorium and Interest Only Programme for Individual can take up to 5 calendar days Moratorium and Interest Only Programme for SMEs can take up to 14 calendar days All R&R request can take up to 14 calendar days15. Do I have any other options if the Repayment/Payment Assistance Programme doesnot meet my requirement?Individual & SMEsYou may seek assistance from Khidmat Nasihat Pembiayaan at Agensi Kaunseling danPengurusan Kredit (AKPK) on your loan/financing matters, in which you may have alternativesolutions to better suit your financial needs. Should you be interested to receive advisoryfrom AKPK, please visit and register at www.akpk.org.my, call 03-26167766 (OperatingHours: 9.00am – 5.30 pm) or visit www.myknp.com.my.Non-SMEs / Corporate ClientsYou may seek assistance from the Corporate Debt Restructuring Committee (CDRC) at 0322650878 or [email protected] Standard Chartered Group CompanyStandard Chartered Bank Malaysia Berhad (Reg. No. 198401003274)Standard Chartered Saadiq Berhad (Reg. No. 200801022118)(v1.4)

PUBLICAppendix 1:Table A: Eligible Products and OptionsMain Option for all products:Moratorium for 6 monthsAlternative OptionsEntityConventionalSaadiqProductMoratorium for Interest Only for3 months6 monthsR&RResidential / Commercial MortgageYesYesYesPersonal Loan (QCE)YesYesYesBIL / GILYesYesYesCashOneYes-YesTerm loan converted from credit cardbalances (ABC)Yes-YesCommercial / Home FinancingYes-YesPersonal FinancingYes-YesBusiness FinancingYes-Yes*Note: "-" denotes Not Applicable.*For Trade Facilities & CCIB clients, please reach out to your Relationship Manager to explore the best options thatsuits your current financial needs.A Standard Chartered Group CompanyStandard Chartered Bank Malaysia Berhad (Reg. No. 198401003274)Standard Chartered Saadiq Berhad (Reg. No. 200801022118)(v1.4)

PUBLICAppendix 2:Sample Illustration 1 – Fixed Tenure Non-Islamic Loan ComputationA Standard Chartered Group CompanyStandard Chartered Bank Malaysia Berhad (Reg. No. 198401003274)Standard Chartered Saadiq Berhad (Reg. No. 200801022118)(v1.4)

PUBLICSample Illustration 2 – Fixed Tenure Islamic Financing ComputationA Standard Chartered Group CompanyStandard Chartered Bank Malaysia Berhad (Reg. No. 198401003274)Standard Chartered Saadiq Berhad (Reg. No. 200801022118)(v1.4)

PUBLICSample Illustration 3 – Fixed Instalment non-Islamic Loan ComputationA Standard Chartered Group CompanyStandard Chartered Bank Malaysia Berhad (Reg. No. 198401003274)Standard Chartered Saadiq Berhad (Reg. No. 200801022118)(v1.4)

PUBLICSample Illustration 4 – Fixed Instalment Islamic Financing ComputationA Standard Chartered Group CompanyStandard Chartered Bank Malaysia Berhad (Reg. No. 198401003274)Standard Chartered Saadiq Berhad (Reg. No. 200801022118)(v1.4)

PUBLICCONVERSION OF CREDIT CARD BALANCES INTO A 3-YEAR TERMLOAN (CONVERSION PACKAGE)1. Does the Repayment/Payment Assistance Programme apply to credit card?No, the Repayment/Payment Assistance Programme is not applicable for credit cardbalances.2. What option do I have as a credit cardholder if I am facing financial distress?You have the option to convert your outstanding credit card balances (excluding instalments)into a 36 months term loan at 13% p.a.3. What is the minimum balance amount to be eligible for the option to convert my creditcard outstanding balances or automatic conversion?The minimum conversion amount is RM1,000. If your credit card outstanding balances isless than RM1,000, it will not be converted.4. After converting my outstanding balances into a term loan, do I still need to makemonthly payments?Yes, you will be required to make monthly repayments for your instalment account for yourcredit card.5. If I have an existing instalment plan (Flexi On Purchase, Flexi On Balance, BalanceTransfer, Cheque On Call) on my credit card, will it be applicable for the conversion?No, the conversion is only applicable to your outstanding credit card balances (noninstalment plan).6. Can I use my credit card after converting my outstanding balances?Yes, you can continue to use the credit card up to the remaining credit limit after consideringthe balance converted into a term loan. The outstanding balance converted into the term loanis treated as part of the credit card limit.A Standard Chartered Group CompanyStandard Chartered Bank Malaysia Berhad (Reg. No. 198401003274)Standard Chartered Saadiq Berhad (Reg. No. 200801022118)(v1.4)

PUBLIC7. After converting my credit card outstanding balances, do I have extra credit limit touse?No, your credit limit remains the same and the converted outstanding balances will be partof your credit limit.8. Can I terminate the term loan before the end of its tenure?Yes, but you need to fully settle the term loan. There is no early settlement penalty.A Standard Chartered Group CompanyStandard Chartered Bank Malaysia Berhad (Reg. No. 198401003274)Standard Chartered Saadiq Berhad (Reg. No. 200801022118)(v1.4)

Term loan that have been converted from credit card balances (ABC) . ing Yes - Yes ing Yes - Yes ing Yes - Yes l q s s. A Standard Chartered Group Company (v1.4) Standard Chartered Bank Malaysia Berhad (Reg. No. 198401003274) Sta