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Batu 11 Cheras, 43000 Kajang, Selangor

Ambank Group
Retail Collection Centre,
Tingkat 10, Wisma Ambank,
No. 113, Jalan Pudu, 55100 Kuala Lumpur.

4/16/2018

Dear Sir/Madam,

RE : 88820001624115

Further to my previous statement advising me of my arrears on my account ( 88820001624115 ), I am


writing to formally request restructured credit terms on my account. I am presently undergoing financial
difficulties due to decrease of financial support whereas my brother who was managing the financial needs of our
monthly household expenditure has lost his job & the burden has fallen into my shoulder. As my mother is a
pensioner she barely able to support herself and she’s in no condition to support me financially in this matter.
Nonetheless I have every intention of honouring our credit agreement. I have taken advice on this matter, in
which I have discussed with Mr.Firdaus (Collection Officer) representing Ambank and hope that one of the
following options can be applied to my account.

I am hereby making a proposal to clear the outstanding arrears of RM 29k. I would like to utilize my EPF second
account of RM 11k & adding up with additional 5k cash payment. It would be much appreciated if the balance
arrears of RM 13k is to be restructured by extending the credit repayment period. As for the period of time I am
only able to make a monthly payment of RM 1,200 due to my other commitments.

I regard your highest consideration on this proposal as I am trying my utmost to commit myself to repay the
housing loan facility and have every intention to do so.

Please contact me at your convenience by letter or telephone call if the matter needs further discussion.

Yours Faithully,

………………………………………..

Kugan Dave A/L Govindsamy

840424-14-5767