FREQUENTLY ASKED QUESTIONS

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1 FREQUENTLY ASKED QUESTIONS About mytrade2cash.com 1. What is mytrade2cash.com? 2. What is trade finance? 3. What are the challenges faced in trade finance? 4. What is open account trading? 5. Who are the major players? 6. Who is eligible to apply for financing? 7. What are the key benefits to the exporter? Major Features of mytrade2cash.com 1. Credit Line Application 2. Cash Drawdown 3. Cash Payback 4. Status Checking and Alerts Service Subscription 1. Who is eligible to subscribe for the service? 2. How do I register as a subscriber? 3. What are the required documents during registration? 4. Terms and Conditions 5. Privacy Policy and Consent to Use of Data Users, Permissions and Manuals 1. Who are the Normal and Authorised users? 2. How do I access to the user manuals? 3. What is the minimum system requirement? Fees and Charges 1. What are the fees and charges? 2. How is payment made? Customer Support 1. Who can I contact for inquiry?

2 mytrade2cash.com mytrade2cash.com is an all-in-one-site and portal for trade finance. It facilitates the online export credit financing for open account trading, overseas buyers checking, trade documents management, cash drawdown and loan settlement. mytrade2cash.com aims to streamline, simplify and improve the access to funding for the exporters, an enablement for business expansion in the international market. It assists to minimize the business risks and increases the bank s confidence to extend credit line. In addition, mytrade2cash.com provides the compliance checking of data integrity from underlying trading and logistics documents, such as commercial invoice, bill of lading and customs declaration data. Together, these features provide a strong backbone for banks to offer alternative forms of trade financing. Trade Finance Trade finance is the financing of international trade that includes such activities as lending, issuing letters of credit, factoring, export credit and insurance. Companies involved with trade finance include importers and exporters, banks and financiers, insurers and export credit agencies, as well as other service providers. Trade finance is of vital importance to the global economy, with the World Trade Organization estimating that 80 to 90% of global trade is reliant on this method of financing. In its simplest form, trade finance works by reconciling the divergent needs of an exporter and importer. While an exporter would prefer to be paid upfront by the importer for an export shipment, the risk to the importer is that the exporter may simply pocket the payment and refuse shipment. Conversely, if the exporter extends credit to the importer, the latter may refuse to make payment or delay it inordinately. Solution to this dilemma of matching the needs of both exporter and importer can be through various financing solutions available and offered by financial institutions which includes (but not limited to) letters of credit, documentary collection, trade credit insurance, factoring, forfaiting or open account trading. Challenges in Trade Finance Exporters faced issues of high cash flow demand due to inability to obtain credit financing. From day one when a purchase order is issued, they bear with cash flow and payment collection issues that can go up to 270 days. This is also pertinent due to the complexity of the trade cycle in international markets and global demand trend from SWIFT that 80% of buyers prefer open account trading. Challenges faced by SMEs Inadequate or lack of financing from the banks due to low level of disclosure of financial data Risk of default payment from the overseas buyer Abundance of documents involved in international trade that require multiple entries of duplicated data Lack IT investment to streamline the international trade process Challenges faced by banks Lack transparency in trading information which prevent banks to provide trade finance to SMEs, hence losing SME customers High risk to provide financing to SMEs Difficulties to obtain first-hand trading information Problem in verification on the authenticity of the trade transaction

3 Open Account Trading An open account transaction in international trade is a sale where the goods are shipped and delivered before payment is due, which is typically in 30, 60 or 90 days. Obviously, this option is advantageous to the importer in terms of cash flow and cost, but it is consequently a risky option for an exporter. Because of intense competition in export markets, foreign buyers often press exporters for open account terms. It is possible to substantially mitigate the risk of non-payment associated with open account trade by using trade finance techniques such as export credit insurance and factoring. Exporters may also seek export working capital financing to ensure that they have access to financing for production and for credit while waiting for payment. Major Players Online Service Provider mytrade2cash.com is built, operated and maintained by DNEX Hallmark e- Commerce Sdn Bhd to provide secure 24x7 online service and access for the users via the Internet. Built-in with application, approval, payment, document creation and attachment features, all trade finance transactions are performed at your convenience. The portal also has the capability to provide first-hand information on trade transaction reports of the shippers and logistics players to perform verification on the authenticity of a business transaction using its system compliance check. Bank Malayan Banking Berhad (Maybank), Malaysia s premier bank provides the credit financing for the exporter. With the advantage of trade transaction reports received from mytrade2cash.com and buyer credit checks from the credit insurer, Maybank makes informed decision to extend credit to the exporter with confidence. Credit Insurer Credit insurance coverage by the leading credit insurance company in global market, protects the exporter s business against commercial and political risks through services of buyer credit check and credit insurance. Gives exporter confidence to extend credit to new customers and improves access to funding from the bank -- creates more opportunities for international market growth. Financing Eligibility Financing is open to Malaysia incorporated companies that have exported to the overseas market within the last three years. The final eligibility criteria and terms of financing are subject to the financing bank s approval. Key Benefits to Exporter No collateral Buyer risk protection up to 90% of invoice value (subject to the latest credit insurance policy) Convenience at your fingertips electronic submissions Access to document management features for Invoice etc Potential to significant savings in administrative time and resources Access to financing anytime, anywhere Competitive pricing Quick credit approval process within one week (upon submission of full documents) *Terms and conditions apply

4 Major Features of mytrade2cash.com Credit Line Application Exporters apply for credit line financing via mytrade2cash.com and submit the application using buyer information to the credit insurance company and the bank. The bank will contact the exporter to obtain the relevant supporting documents. The credit insurance company and bank will feedback on the approved buyer limits and credit line results via mytrade2cash.com. Cash Drawdown Exporters apply for cash drawdown via mytrade2cash.com. Exporters use their commercial invoice to apply cash drawdown. Exporters prepare and upload a copy of the original commercial invoice (that has been assigned to the bank and sent to the buyer) and insurance policy (if taking insurance coverage), using the trade document management feature before applying for cash drawdown. During cash drawdown application, exporters can easily choose the documents and submit the application to the bank. mytrade2cash.com automatically checks on the information provided against the trade and logistics shipment data such as bill of lading and Customs release message to conduct authentication check. After bank s verification, bank will transfer the money directly to exporter s bank account. For further details, refer to the financing bank s respective Account Managers. Cash Payback Exporters and/or buyers make payment for loan settlement upon end of credit term directly to the bank. Payback information is displayed in mytrade2cash.com. Status Checking and Alerts Exporters view the application and approval statuses in mytrade2cash.com for all transactions. The portal sends alerts to exporters on information on their applications and actions to be taken. Ensure that all addresses provided are up-to-date to receive the alerts. Service Subcription Who is eligible to subscribe for the service? Subscription is open to valid Malaysia incorporated companies that have exported to the overseas market within the last three years. Eligibility for financing is subject to financing bank s eligibility criteria. How do I register as a subscriber? You can access the online registration form at Once you have filled up all mandatory information, attach your company registration certificate and submit the form online. Once the registration process is complete, usually within two working days, you will receive the user ID and password to log into the portal. You are advised to change your password during first login. What are the required documents during registration? You are required to attach scanned copy of your company registration certificate during registration. (1) Form 9 Certificate of Incorporation of a Private Company; or Form 8 Certificate of Incorporation of Public Company and;

5 (2) Form 49 Return Giving Particulars in Register of Directors, Managers and Secretaries, and Changes of Particulars (3) Form 13 - Certification of Incorporation on Change of Name of Company (if applicable) What is the requirement for Contact and Authorised Persons? As you are registering under your company account, Contact Person is the first point of contact for this service where user ID and password will be sent to this person. This user ID shall be used for credit line application. Authorised Person is the authorised signatory of your company and may or may not be the person authorised to perform cash drawdown application, depending on your board resolution. Refer to Users, Permissions and Manuals for more information. Privacy Policy and Consent to Use of Data At DNEX Hallmark, we are committed to protecting your privacy as our valued customers and pledge to comply with the Personal Data Protection Act ( PDPA ) Please note that any personal information ( Personal Data ) in respect of commercial transactions that relates directly or indirectly to you as an individual, that had been collected, processed and retained by DNEX Hallmark is protected under our Privacy Policy, formulated in pursuant to the PDPA Please refer to our Privacy Policy to understand how we do this and feel free to reach us at should you have any additional enquiries. IMPORTANT: By submitting this form, you agree and consent to the use, processing and disclosure of your Personal Data by DNEX Hallmark for the purpose as described in this form. Terms and Conditions It is necessary that you agree to the Terms and Conditions to be registered as a subscriber. This will assist us to process your registration and provide the service to you. Users, Permissions and Manuals Normal and Authorised Users Normal User functions as the first point-of-contact and the recipient of Normal User ID upon registration. This user ID can be used for credit line application. Upon approval of credit line, this user ID will be de-activated. Authorised User is the authorised person listed under your company s board resolution submitted to the bank during credit line application. Upon approval of credit line, a new user ID will be activated for the authorised person s use for cash drawdown, payback and subsequent credit line application and amendment. All subscribers are responsible for the confidentiality of the User IDs and passwords received and ensure that only duly authorised persons shall use such IDs and passwords. It is the responsibility of the users/subscribers to change the passwords during first log in. User Manuals User manuals are available for easy your reference in mytrade2cash.com upon logging into the portal. Should you require further assistance on how to use the portal, please contact Careline. Minimum System Requirement Microsoft Windows XP or Microsoft Windows 2000 Professional Windows Office Word, Excel, PowerPoint

6 Internet connectivity Internet browser - Explorer version 9.0 Minimum RAM size of 128 MB or 512 MB Minimum Processor 300 megahertz (Mhz) or greater VGA Monitor with 1024x768 resolution Keyboard and mouse PDF reader Fees and Charges Free registration 1 Buyer checking fee: USD100 per check Online payment charge: RM2.00 per transaction Please refer to your respective financing bank s Account Manager for details on financing charges. 1 Auto-renewal fee for buyer checking applies. How is payment made? Buyer checking fee is paid online using Internet banking. The portal automatically routes you to the payment site during your credit line application. You may pay using your personal or corporate account. The participating banks as followed: PERSONAL ACCOUNT Maybank CIMB Bank Public Bank Hong Leong Bank RHB Bank Bank Islam CORPORATE ACCOUNT Maybank CIMB Bank Public Bank Hong Leong Bank RHB Bank Affin Bank Cash drawdown is paid by the bank directly into your credit line bank account. Loan payback/settlement is paid directly into your credit line bank account by you or your buyer. Customer Support For assistance on the portal service and registration status, please contact Careline at Tel: or to For queries on financing packages and application status, please contact your respective financing bank s Account Manager.

7 DNEX Hallmark e-commerce Sdn Bhd Terms and Conditions TERMS AND CONDITIONS 1. GENERAL 1.1 This Terms and Conditions are binding on you ( Subscriber ). 1.2 This Terms and Conditions including the Schedules, contain the complete and exclusive understanding of the Subscriber with respect to the subject matter hereof and become effective ("Effective Date"), upon successful registration via Registration Form (as defined) by the Subscriber with DNEX Hallmark e- Commerce Sdn Bhd ( H) ( DNEX Hallmark ); (formerly known as Nation Hallmark Sdn Bhd). 1.3 DNEX Hallmark is entitled to reject an application from the Subscriber for the Services (as defined) at its sole discretion without assigning any reason. 1.4 All prior representations whether made orally, in writing or electronically are hereby superseded. No waiver or amendment of any of the provisions hereof will be binding unless made in writing and signed by a duly authorised representative of DNEX Hallmark. 1.5 This Terms and Conditions may be amended by DNEX Hallmark from time to time. 1.6 If any provision of this Terms and Conditions is held to be invalid or unenforceable for any reason whatsoever, such provision is deemed deleted and the remaining Terms and Conditions herein shall remain valid and enforceable apart from such provision. 2. DEFINITIONS AND INTERPRETATION 2.1 In this Terms and Conditions, except where inconsistent with the subject or context: a) Agent means any representative, agent, professional adviser, contractor or third party service provider; b) Business Day means a day on which DNEX Hallmark is open for business for the Services; c) Holding Company means Dagang NeXchange Berhad (Company No P), a company incorporated in Malaysia and having its office address at Tower 3, Avenue 5, The Horizon, Bangsar South No. 8, Jalan Kerinchi, Kuala Lumpur, Malaysia; d) Loss means all loss, liability, damage, costs and expense (including tax, legal costs, investigation cost, litigation, arbitration, settlement, judgement, interest/charges and penalties; e) "DNEX Hallmark" means DNEX Hallmark e-commerce Sdn Bhd (Company No H), (formerly known as Nation Hallmark Sdn Bhd) a company incorporated in Malaysia and having its office address at Tower 3, Avenue 5, The Horizon, Bangsar South No. 8, Jalan Kerinchi, Kuala Lumpur, Malaysia; f) Payment Instrument means online payment, cheque, draft, money order, traveller s cheque or other paper instrument issued to one or more persons; g) Registration Form means an instrument attached to this Terms and Conditions which contain details information of the Subscriber; h) Related Corporations means in relation to any person, a subsidiary of that person or a holding company of that person or any other subsidiary of that holding company; h) Representative means a person s directors, officers or employees; i) Security Code means any confidential password, security code or other identifier issued by DNEX Hallmark directly or indirectly to access or facilitates access to the Services; j) "Services" means mytrade2cash products and services offering and shall include additional services offered by DNEX Hallmark to the Subscriber from time to time; k) Subscriber" means any Person or other legal entity utilising the Services; and l) "User ID" means a unique identification provided by DNEX Hallmark to the Subscriber which enables the Subscriber to obtain the Services. 2.2 In this Terms and Conditions: a) Person shall include any individual, body whether corporate or unincorporated, firm or partnership. b) Words importing the masculine gender shall include the feminine and neuter genders. c) Words importing the singular shall include the plural. d) Headings are for convenience of reference only. 3. APPLICABLE FEES/CHARGES 3.1 The Subscriber shall pay all fees and charges to DNEX Hallmark for the products and services as per the price list annexed hereto. The fees and charges payable by the Subscriber are non refundable for any reason whatsoever. The fees and charges do not include applicable taxes, if any which shall be payable by the Subscriber, and DNEX Hallmark shall include taxes such as Government Service Tax (GST) at the prevailing rates. 3.2 All payments shall be made to DNEX Hallmark by any modes of Payment Instrument. 3.3 All payments of fees and charges for the Services shall be made in Ringgit Malaysia. 3.4 DNEX Hallmark reserves the right to review such fees and charges annually and to vary the same by giving 30 days notice to the Subscriber. The date of coming into force of the new fees and charges shall be the date stated in the notice. 3.5 The Subscriber shall pay or reimburse DNEX Hallmark for any taxes, deduction, charges, stamp, transaction and withholdings (together with any related interest/charges, penalties, fines and expenses) in connection with the Services. The Subscriber shall provide DNEX Hallmark with such documentation, declarations, certifications and information as DNEX Hallmark may require in connection with any taxes. The Subscriber warrants that such information is true and correct in every respect and shall immediately notify DNEX Hallmark if any information requires updating or correction. 4. VARIATION OF SERVICES The Services provided by DNEX Hallmark may be modified, enhanced, substituted, suspended or removed by DNEX Hallmark by giving 30 days prior written notice to the Subscriber. 5. SECURITY RESPONSIBILITIES 5.1 Each Subscriber is responsible for the confidentiality of the password, user identification number or other security device assigned by DNEX Hallmark to that Subscriber. Each Subscriber shall ensure that only duly authorised persons shall use such password, user identification number or other security device. 5.2 DNEX Hallmark hereby disclaims all responsibility and liability for the acts or omissions of the Subscriber in this area. 6. LIABILITY LIMITATION 6.1 DNEX Hallmark shall not be liable for any Loss that the Subscriber may suffer or incur arising from or in connection with our execution, non-execution or delayed execution of any incorrect or incomplete information or instruction from the Subscriber. 6.2 DNEX Hallmark shall have no liability for any Loss that the Subscriber may suffer or incur arising from any loss or theft of any Payment Instrument or Security Code. 6.3 DNEX Hallmark is not liable for any Loss of any nature which the Subscriber may suffer or incur in relation to the Service that DNEX Hallmark provides, save for any direct Loss attributable to DNEX Hallmark s gross negligence or wilful misconduct. The Subscriber agrees that unless otherwise expressly provided, DNEX Hallmark will provide the Service as independent contractor, not as agent and the Subscriber agrees that the Service which DNEX Hallmark provides to the Subscriber will not give rise to any fiduciary or trustee duties on its part. 6.4 Failure by DNEX Hallmark to demand performance of any terms herein shall not be deemed a waiver of any of DNEX Hallmark's

8 DNEX Hallmark e-commerce Sdn Bhd Terms and Conditions rights under any provision of this Terms and Conditions and in particular, without limiting the generality of the foregoing, shall not be deemed a waiver of DNEX Hallmark's right to demand performance of any provision of this Terms and Conditions at any time and further shall not render DNEX Hallmark liable to the Subscriber for the default of any other Subscriber. 7. INDEMNITY 7.1 The Subscriber shall indemnify and hold DNEX Hallmark, harmless from and against any and all Losses resulting directly or indirectly from DNEX Hallmark providing the Services to the Subscriber including those arising from: (a) DNEX Hallmark s acceptance or execution of any instruction issued by the Subscriber s authorised person; (b) DNEX Hallmark s payment of any taxes interest/charges or penalty otherwise due from the Subscriber and paid on behalf of the Subscriber or from which DNEX Hallmark has incurred on the Subscriber s behalf as a result of the provision of the Services. Any amount due from the Subscriber to DNEX Hallmark under this paragraph is payable on DNEX Hallmark s demand. 7.2 The Subscriber shall indemnify DNEX Hallmark from any claims, suits, actions, liabilities, and costs of any kind resulting directly or indirectly from any acts or omissions by the Subscriber. 8. INFORMATION 8.1 The Subscriber agrees and confirms that any information provided to DNEX Hallmark is accurate, complete and up-todate. If any information the Subscriber has provided to DNEX Hallmark changes, the Subscriber must immediately provide details of such change. 8.2 DNEX Hallmark shall treat all information that the Subscriber provides and which DNEX Hallmark has on the Subscriber as confidential. DNEX Hallmark will only process, use and transfer personal information that DNEX Hallmark s collect from the Subscriber for the purposes of providing the Services to the Subscriber and for providing the Subscriber with information about the Services and other services which DNEX Hallmark consider may be of the interest to the Subscriber, at all times in compliance with any applicable data protection laws. 8.3 The Subscriber agrees that DNEX Hallmark may disclose, share or submit such information which include the Customs and trading information (such as Purchase Order, Invoices, Bill of Lading, Insurance etc.) to: (i) the Holding Company, (ii) any associated or subsidiaries corporation of the Holding Company, (iii) insurance company and licensed financial institutions which provide or will be providing the financing in relation to the Services and insurance company, (iv) DNEX Hallmark s service provider or professional advisor, who is under a duty of confidentiality in respect of such information, (v) any actual or potential participant or transferee of DNEX Hallmark s rights and obligations under this Terms and Conditions, or (vi) Government of Malaysia or other regulatory body or as required by laws. 8.4 The Subscriber also agrees, consents and authorises DNEX Hallmark to: (i) analyse its data and generate Business Intelligence (BI) report, (ii) provide BI report to the relevant financial institutions and insurance company, (iii) procure or obtain all its relevant data or information including the customs and trading information from other corporation who retain such data or information. 9. CONFIDENTIALITY AND USE OF DATA 9.1 Save as provided herein DNEX Hallmark shall as far as reasonably practicable take all appropriate steps as to safeguards and maintain the confidentiality of all information provided or transmitted in relation to the Services. 9.2 DNEX Hallmark shall be entitled to use data for the purposes of building up, updating, and providing its database access service or other value-added service that it may introduce from time to time. DNEX Hallmark shall ensure that access to the information provided by such Services shall be limited only to information or data which are not prejudicial to the commercial interests of the Subscriber. No warranty or representation is, however, given as to the accuracy; completeness or usefulness of any data and each Subscriber using such Services assumes sole responsibility for use of the same. 10. AUDIT DNEX Hallmark shall cause to be undertaken a regular audit both by its own internal auditors and independent external auditors of its computer systems to ensure integrity and security. 11. TERMINATION OF SERVICES 11.1 The subscription of the Subscriber to the Services may be terminated without cause or reason by DNEX Hallmark by giving 30 days notice in writing to the Subscriber DNEX Hallmark reserves the right to cease immediately to provide the Services and to terminate the Subscriber's subscription forthwith if that Subscriber shall go into liquidation or commit an act of bankruptcy or a receiver and manager or official assignee is appointed over the assets of the Subscriber or the Subscriber fails to pay any amounts due and payable to DNEX Hallmark or the Subscriber (intentionally or not intentionally) provides wrong or false information or breaches any of this Terms and Conditions Any termination of the Services pursuant to Clause 11.1 or 11.2 above shall be without prejudice to any other rights or remedies of DNEX Hallmark may be entitled herein or at law including recovering from the Subscriber any Loss resulting from the termination. 12. ASSIGNMENT The rights and obligations of the Subscriber to the provision of the Services by DNEX Hallmark shall not be transferred, assigned, novated, leased or licensed to any other person, body or entity without the prior written consent of DNEX Hallmark. 13. NOTICE Any notice which is required or permitted to be given by one party to the other may be given by hand delivery, by registered mail directed to the other party's address set forth in this Terms and Conditions or to such other address as may be substituted by notice to the other party, or by means of an electronic transmission (i.e. by facsimile or electronic-mail) followed by a hard copy within seven (7) days. Notices will be deemed effective on the same business day if delivered by hand or sent by electronic means and on the date of posting if sent by post. 14. LEGAL COSTS AND GOVERNMENT TAXES The Subscriber shall bear all legal cost of expenses incurred by DNEX Hallmark on a solicitor and client basis in recovering any monies, charges, costs or expenses due and payable by the Subscriber for the Services or in bringing any action or proceeding to recover any monies, charges, costs or expenses payable by the Subscriber. The Subscriber shall also bear all Governmental Taxes, Levies and any cost imposed by Law. 15. GOVERNING LAW This Terms and Conditions shall be governed by and construed in accordance with the laws of Malaysia and the parties hereto agree to submit to the jurisdiction of the courts of Malaysia. 16. PERSONAL DATA PROTECTION ACT DNEX Hallmark is committed to protecting the Subscriber s privacy as its valued customers and pledge to comply with the Personal Data Protection Act ( PDPA ) Any personal information ( Personal Data ) in respect of commercial transactions that relates directly or indirectly to the Subscriber as an individual, that had been collected, processed and retained by DNEX Hallmark is protected under DNEX Hallmark s Privacy Policy, formulated in pursuant to the PDPA The Subscriber may refer to DNEX Hallmark s Privacy Policy to understand how DNEX Hallmark manages the Personal Data. The Subscriber may to for additional enquiries.

9 DNEX Hallmark e-commerce Sdn Bhd Terms and Conditions mytrade2cash Price List *Buyer checking fee: USD100 per check Online payment charge: RM2.00 per transaction *Auto-renewal fee for buyer checking applies.

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