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		var messages = new Array();
		messages[0] = new Array('',"<B>Term Loan</B> is a form of financing where the loan (principal and interest) is repaid in regular instalments over its tenure. Interest is usually calculated monthly based on the amount outstanding.",toolbgcolor);
		messages[1] = new Array('',"<B>Overdraft</B> is a revolving credit facility where a customer is allowed to draw on a current account up to a pre-determined limit. Interest is calculated on daily basis, based on the amount utilised. A commitment fee of 1% may be charged on the unutilised portion of the overdraft facility.",toolbgcolor);
		messages[2] = new Array('',"Click for more",toolbgcolor);
		messages[13] = new Array('',"<B>Trade Financing</B> Common Trade Financing instruments available under FAC3plus are as follows:<BR><B>Bankers Acceptance (BA)</B> is a draft (bill of exchange) drawn by customers to their order, payable on a specific future date and accepted by the Bank for the purpose of financing a bona fide trade ie export, import or domestic trade transaction.<BR><B>Letter of Credit (LC)</B> is a written undertaking by the Bank made at the request of a customer, ie buyer/importer, to honour draft or other demands for payment upon compliance wit the specific condition(s). The Bank will pay on the condition that:<BR>-Documents giving the title of the goods and evidencing shipment are present, and<br>-All other specific terms and conditions of the LC are fully complied with.<br><B>Trust Receipt (TR)</B> is a financing facility that enables a customer to take delivery of their local/foreign purchases prior to payment of the sight bills being made by them. TRs are usually extended to bills drawn under the Bank's LC.<BR><B>Bank Guarantee (BG)</B> is a written undertaking by the Bank (as a Guarantor) to pay to a third party (Beneficiary) in the event of a default or non-performance by client/customer (Principal).<BR><B>Export Credit Refinancing (ECR)</B> is a scheme by Bank Negara Malaysia (BNM), with financing via Exim Bank, for promoting exports of manufactured products and approved agricultural products as well as backward linkages to industrial development. Eligible exports must have domestic value-added and / or incorporate a percentage of local content. There are two schemes:<BR><B>-ECR Pre-Shipment Financing</B>To financing an eligible exporter's cost of production. Extended prior to shipment of goods overseas.<BR><B>-ECR Post-shipment Financing</B>Extended upon evidence of shipment of eligible goods on credit terms.<BR><B>Foreign Exchange Contract (FEC)</B> is an agreement between a customer and the Bank to exchange at a specified future date a specific quantum of foreign currency at a pre-determined rate of exchange. It is mainly used by exporters and importers to hedge against the fluctuations in exchange rates.",toolbgcolor);
		messages[3] = new Array('',"<B>Factoring</B> provides short-term trade financing for SMIs involved in selling their products/services on credit terms. Factoring involves the outright purchase of clients' credit sales invoices to acceptance private and public sector customers. Client obtains cash advances of up to 80% against net invoice value factored.",toolbgcolor);
		messages[4] = new Array('',"<B>Industrial Hire Purchase</B> offered by Mayban Finance is one of the tools for financing of machinery for business enterprises. Interest is calculated on a fixed flat rate for the entire tenure of financing at the point of disbursement.<BR>The standard terms for financing include:<br>MOA&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Up to 90% (new machinery)<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Up to 80% (used/reconditioned machinery)<BR>Tenure &nbsp;&nbsp;&nbsp;&nbsp;Up to 5 years <BR>Interest	6.0% flat p.a. (rate depends on customer credit risk and prevailing market condition)<BR>PaymentIn arrears and / or in advance",toolbgcolor);
		messages[5] = new Array('',"<B>Leasing</B>, provided by Aseamlease is another alternative for machinery financing. It is offered in the form of Pure Lease, Deposit Lease, Residual/Balloon Lease, Step-up and Step-Down Lease.",toolbgcolor);
		messages[6] = new Array('',"<B>Fire Insurance</B> covers building and contents charged to Maybank under FAC3plus against the risks of fire, lightning, explosion, aircraft damage, impact damage, earthquake, volcanic eruption, windstorm, bursting of pipes, overflowing of watertanks, bush fire and riot, strike & malicious damage (RSMD). Premiums and terms are subject to Persatuan Insurance Am Malaysia's tariff.<BR><I>- subject to terms and conditions</I>",toolbgcolor);
		messages[7] = new Array('',"<B>Equipment Insurance</B> is also a requirement under FAC3plus. It covers machinery and equipment against loss or damage by any accident or misfortunes.<BR><I>- subject to terms and conditions</I>",toolbgcolor);
		messages[8] = new Array('',"<B>Public Liability Insurance</B> covers the Insured against third party claims for accidental property damage or bodily injury due to the Insured's negligent act or omission in the course of his business.<BR><I>- Premium will not exceed RM500 p.a. for SMIs</I>",toolbgcolor);
		messages[9] = new Array('',"<B>Employer's Liability Insurance</B> covers the Insured against claims under Common Law from his employees in the event of their accidental death or bodily injury sustained arising out of and in the course of their employment Common law liability limit is up to RM10,000,000 any one claim / in aggregate. Premium rate is dependent on the business / occupation of the employer / employees.",toolbgcolor);
		messages[10] = new Array('',"<B>Group Term Life Insurance (GTL)</B> is a yearly renewable insurance that can be tailored to suit the Company's individual needs.",toolbgcolor);
		messages[11] = new Array('',"<B>WeCare</B> is a comprehensive Group Life Insurance scheme exclusively packaged for the employees of Maybank Group's SMI customers.",toolbgcolor);
		messages[12] = new Array('',"<B>Key person coverage</B> is life insurance on the life on a key man or key woman - typically the business owner - intended to offset some or all of the estimated financial loss which would result from the person's death or disability.",toolbgcolor);		
		messages[13] = new Array('',"<B>Foreign Worker Compensation Scheme (FWCS)</B> Under the amended Workmen’s Compensation Act 1952, it is mandatory for every employer to insure all the foreign workers employed by him under an approved insurance scheme in respect of any liability he may incur. Known as the  Foreign Workers' Compensation Scheme (FWCS), your foreign worker will receive compensation for:<BR>- accidental (due to employment injury) or personal death<BR>- permanent and temporary total or partial disablement<BR>- hospitalisation and medical expenses, and<BR>- repatriation expenses incurred to send the foreign worker back <BR>&nbsp;&nbsp;to their country of origin.",toolbgcolor);		

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