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UG CONSULTANT SDN BHD

SMIDEC - GRANT
Name of Financial Institution Item 1 Small and Medium Industries Development Corporation (SMIDEC) Type of Grant Matching Grant for Business Start-ups Eligible Expenses
- Preparation of business planning - Related Feasibility Studies - Rental of Incubators and business premises up to 24 months - Rental of equipment and machineries related to incubator rental - Development of prototype - A6Product sample and testing

Grant / Loan Limit

Cost of Borrowing

Processing

Max RM40,000 (50% of the approved project cost)

0%

14 working days

Matching Grant for and processes including: Product and Process - Technology Feasibility Studies - Fees for technology transfer Improvement

Improving & upgrading of existing products, product design

- Development of prototypes and system design - Product testing - Product registration - Marking and labelling - Machine & equipment testing and calibration - Development & designing of equipment and machinery - Purchase of machinery and equipment - Initial patent registration/patent search/IP Protection - Specific Project Mission - Cleaner Production and Waste Treatment Project including Energy Efficiency Audit

Max RM 500,000

0%

14 working days

Matching Grant for Enhancing Product Packaging

Expenses incurred in acquiring and improving product packaging, design and labelling such as: - Costs and services for designing, packaging, marking and labelling - Trade mark and patent registration - Purchase of related machinery and equipment

Max. RM 200,000

0%

14 working days

4 Small and Medium Industries Development Corporation (SMIDEC)

Grant for Rosettanet Standard Implementation - Cost / Fee for System Integration (System Integration is defined as
the implementation activities of interfacing the software, hardware and network components and it also covers the cost of customisation) - Cost of acquiring Business to Business Software which complies to RNIF I,I or higher - Cost of related hardware and connection to Internet - Registration fee to RosettaNet Malaysia Berhad - First year subscription fees to ASP (for RosettaNet ASP Model only)

Max. RM 100,000

0%

14 working days

UG CONSULTANT SDN BHD


SMIDEC - GRANT
Name of Financial Institution Item 5 Type of Grant Eligible Expenses Grant / Loan Limit Cost of Borrowing Processing

Matching Grant for Certification and Expenses incurred in obtaining certification and quality management Quality Management system such as: '- ISO 13485, ISO 14000, ISO 22000 Systems
- Product Certification - Hazard Analysis Critical Control Point (HACCP) - Halal Certification & MS 1500:2005 - TS 16949 - Quality Improvement Practice e.g 5S, Six Sigma and Productivity Audit - Good Manufacturing Practice (GMP) - Occupational, safety and health management system (OSHA) - Restriction of Hazardous Substance (RoHS) - Good Agriculture Practice (GAP) - Good Hygiene Practice (GHP) - Regulatory Impact Assessment (RIA) - British Retailer's Consortium (BRC) - Factory Renovation for compliance to Certification Requirements - Other related costs to comply to requirements of standards and certification

Max. RM250,000

0%

14 working days

Matching Grant for Development and Promotion of Halal Products

Expenses incurred in developing and promoting halal product, including: '- Product development & product formulation - Sample testing - Acquisition of machinery and equipment related to the approved project - Renovation expenditure for compliance to Halal Certification requirement - Other related costs for compliance to requirements of Halal Certification - Promotional activities (marketing cost with Hypemarket and Media advertising)

Max. RM150,000

0%

14 working days

UG CONSULTANT SDN BHD


SMIDEC - LOAN
Name of Financial Institution Small and Medium Industries Development Corporation (SMIDEC) Type of Grant Soft Loan for SME Cost of Borrowing Processing Period

Item 1

Eligible Expenses

Loan Size

i) Project Financing: Covers the entire project cost items, including pre-operational expenses. Pre-operational expenses include: - Market survey and feasibility study - Professional fees for technical expertise - Office set-up prior to production - Staff salary - Advertisement and promotion cost - Production labour cost - Factory Overhead - Raw Material costs for trial production ii) Fixed Assets Financing For the purchase of land and building, plant and machinery and office equipment for: - project start-up - existing ventures undergoing expansion, diversification or modernisation - relocation of projects iii) Working Capital Financing For the purchase of raw materials, components, inventory and labour costs.

Min. RM50,000 Maximum: Project Financing RM 5 mil. 4% p.a. Fixed Assets Financing RM2.5mil Working Capital Financing-RM1 mil

14 working days

i. Upgrading Engineering Design Capabilties: - Purchase of design software (Computer Aided Design - CAD, Computer Aided Manufacturing - CAM, Computer Aided Engineering -CAE) or subscription fee / license fee for on-line engineering design services. - Purchase of computer hardware and related equipment - Training cost

Soft Loan Scheme for ICT ii. Purchase of ERP software or other similar software: - Purchase of ERP software or first year subscription to on-line ERP system, or Adoption

other similar software suchas Computer Integrated Manufacturing (CIM), Enterprise Resource Management (ERM), Material Resource Planning (MRP), Supply Chain Management (SCM), or Customer Relations Management (CRM). - Purchase of other software for services sector such as Point of Sales System, Tracking System, Automated Store Management System and Inventory Management System. - Implementation cost including system study, customisation and training - Purchase of server and related networking equipment

Min. RM 20,000 Max. RM 250,000

3% p.a.

14 working days

UG CONSULTANT SDN BHD


CGC - LOAN
Cost of Borrowings Name of Financial Institution Item 1 Credit Guarantee Corporation (CGC) Financng Scheme Direct Access Guarantee Scheme (DAGS) Small Entrepreneur Guarantee Scheme (SEGS) Franchise Financing Scheme (FFS) Financing Amount

Type of Facilities - Term / Fixed Loan - Overdraft - Tradelines - Any other credit facilities determined from time to time by the Corporation - Term Loans - Overdrafts

Lending Rate

Guarantee Fee

Other Fees

Min. RM 50,000 Between 1.00% Max. RM 2 mil to 1.75% p.a above the BLR

Between 0.75% to Processing 1.50% p.a. Fee -RM300 Renewal Fee - RM150

80% and 100% < BLR + 1.5% for Bumiputera of the facility Max. RM 7.5 mil < BLR + 1.5%

Nil 1.25% p.a. based on guarantee cover Between 0.50% to 1.00% Nil

- Term Loan - Overdrafts - Trade Financing - Any other credit facilities determined from time to time by the Corporation

Direct Access - Term Financing Guarantee Min. RM 50,000 Scheme Islamic - Overdrafts Max. RM 2 mil (DAGS-i) - Tradelines - Any other credit facilities determined by CGC from time to time - Term Loan - Overdraft New Principal - Letter of Credit Guarantee - Trust Receipt Up to RM10 mil Scheme (NPGS) - Export Credit Refinancing (ECR) - Bills Purchased - Bankers Acceptances - Shipping / Performance / Bank Guarantee - Hire Purchase - Leasing

BLR + 1% to 1.75%

Processing Between 0.75% to Fee -RM300 1.50% p.a. Renewal Fee - RM150

Unsecured Portion 1.25% To be determined Secured Portion by Lending 1.00% Institutions

Nil

UG CONSULTANT SDN BHD


CGC - LOAN
Cost of Borrowings Name of Financial Institution Item 6 Financng Scheme Financing Amount

Type of Facilities

Lending Rate

Guarantee Fee

Other Fees

- Term Loans -i Islamic Banking - Overdraft -i Guarantee - Letter of Credit -I Scheme (IBGS) - Trust Receipt -I - Export Credit Refinancing (ECR) -I - Bills Purchased -I - Bankers Acceptances -I - Shipping / Bank Guarantee -I - Hire Purchase -I - Leasing -i Flexi Guarantee - Expansion of productive capacity Scheme (FGS) - Working Capital; or both - Term Loan Credit - Overdraft ENHANCER - Letter of Credit Scheme - Trust Receipt (ENHANCER) - Export Credit Refinancing (ECR) - Bills Purchased - Bankers Acceptance - Shipping / Performance / Bank Guarantee - Hire Purchase - Leasing

Unsecured Portion 1.25% Up to RM10 mil To be determined Secured Portion by Financial 1.00% Institutions

Nil

Min. RM50,000 Max RM 5 mil Max. 5% p.a.

Up to RM10 mil To be determined by Lending Institutions

UG CONSULTANT SDN BHD


MIDF - Loan
Name of Financial Institution Financing Amount Cost of Borrowing

Item 1

Financng Scheme

Eligible Items

Malaysian Industrial Development Finance Bhd (MIDF)

Fund for Small and Working capital and fixed assets for capacity expansion Medium Industries 2 (FSMI2)

Min. RM 50,000 Max. RM 3 million

5% p.a. on monthly rest.

New Entrepreneurs Fixed assets and/or working capital Max RM 5 million 5% p.a Fund 2 on monthly rest (NEF2) - Fixed assets and/or working capital for expansion in Rehabilitation Fund productive capacity. For Small and Min. RM 50,000 4.5% p.a. Medium Industries - Up to 40% of the approved limit may be used for Max. RM 5 million (RFSMI) refinancing and restructuring existing non-performing loan. Bai' Bithaman Ajil Fixed Asset - Factory land, factory building and machinery / 7.75% fixed p.a. Financing / MIDF equipment and related fixed assets. on monthly rest Fixed Asset Financing-i Murabahah Working Raw material purchases, inventories and receivables Capital Financing / MIDF Working Capital Financing-i Al-Ijarah Thumma Al- Production machinery / equipment, construction Bai' (AITAB) Facility machinery, transportation and handling machinery and / MIDF Industrial medical / dental equipments, etc. Hire Purchase-i Production machinery / equipment, construction Al-Ijarah Facility / machinery, transportation and handling machinery and MIDF Leasing-I medical / dental equipments, etc. 7.75% fixed p.a. on monthly rest

UG CONSULTANT SDN BHD


SME BANK - Loan
Cost of Borrowings Name of Financial Institution SME BANK 1 Item Financng Scheme SME Start-Up Type of Facilities - Term Loan - Revolving Loan - IHP / Leasing - BG / Letter of Credit - Loan Stock - Term Loan - Revolving Loan - IHP / Leasing - BG/ Letter of Credit - Loan Stock - Term Loan - Revolving Loan - IHP / Leasing - BG / Letter of Credit - Loan Stock - Term Loan - Revolving Loan - IHP / Leasing - BG / Letter of Credit - Factoring - Loan Stock - Term Loan - Revolving Loan - IHP / Leasing - BG / Letter of Credit - Factoring - Loan Stock Financing Amount Up to RM10 million Lending Rate Competitive rates Processing Fee 0.25% of approved loan

SME Professional

Up to RM10 million

Competitive rates

0.25% of approved Loan

SME Franchise

Up to RM10 million

Competitive rates

0.25% of approved Loan

SME Procurement

Up to RM50 million

0.25% of Competitive rates approved Loan

SME Global

Up to RM50 million

Competitive rates

0.25% of approved Loan