CIMB Islamic Bank Berhad 200401032872 (671380-H) CIMB Bank Berhad 197201001799 (13491-P)

TERMS & CONDITIONS FOR CIMB TARGETED ASSISTANCE PROGRAMME FOR

AUTO FINANCING

The following are the terms and conditions for the CIMB Targeted Assistance Programme for
Auto Financing (“Programme”). The Bank refers to CIMB Bank Berhad or CIMB Islamic Bank
Berhad, as the case may be, being the financial institution granting the Auto Financing to you.

Option A: Loss of Employment

3-Month Loan/Financing Payment Relief from 1 October 2020 until 31 December 2020
(“Payment Relief Period”)

1. The Bank will grant you an indulgence to further defer 3 months’ instalments during the
Payment Relief Period (“further deferred instalments”) to the end of your Auto Financing
facility tenure, which has been automatically extended (“extended tenure”) pursuant to the
CIMB COVID-19 Auto-Moratorium Program for Retail Products.

2. This means that no payment is required to be made during the Payment Relief Period.

3. The further deferred instalments shall be payable within the three (3) months immediately after
the end of your extended tenure (“further deferred payment period”). The further deferred
payment period begins the month after the end of your extended tenure.

4. You are required to resume payment of your monthly instalments with effect from January
2021. The monthly instalment amount and due dates remain the same. If the
interest/profit/terms charges rate on your Auto Financing account is tied to the Base Lending
Rate (“BLR”)/Base Financing Rate (“BFR”) which is subject to change from time to time as
displayed at the Bank's branches and/or posted on the Bank's website, a notification will be
sent to you on the revised monthly instalment amount.

5. A lump sum payment may be applicable at the end of the further deferred payment period, and
will also include your final further deferred instalment payment.

6. The Bank’s rights and your existing obligations under your Hire Purchase Agreement to
continue making payment of the rest of the monthly instalments by the agreed dates are not
affected. The other terms of your Hire Purchase Agreement shall also continue to remain
applicable.

7. Without prejudice to the above terms, you shall inform your guarantor (if any) of your
acceptance of these terms and conditions to ensure that such guarantor is aware of these terms
and conditions and of your acceptance of it.

8. For those Auto Financing with fixed rate, no additional interest/profit/terms charges shall be
charged. For those with variable rate, interest/profit/terms charges will continue to accrue
during the Payment Relief Period and will be payable upon settlement of your Auto Financing
account, where such sum shall not exceed the total terms charges as stated in your Hire
Purchase Agreement.
CIMB Islamic Bank Berhad 200401032872 (671380-H) CIMB Bank Berhad 197201001799 (13491-P)

Option B: Loss of Partial Income

Reduced Monthly Payment from 1 October 2020 until end of extended tenure

1. The reduced monthly payment details will be communicated to you after your application
for this Option B.

2. You must sign a Variation Agreement with your guarantor(s) (if any) at a CIMB Auto
Finance Centre/Auto Collections Centre.
3. The revised financing terms will only be effective after you and your guarantor(s) (if any)
sign the Variation Agreement and your account details are updated by the Bank.
4. Application for this Programme must be made on or before 20 August 2020.
5. If the Variation Agreement is not signed by 15 September 2020, the revised financing terms
will not be implemented and will not take effect.