Toyota Capital Malaysia Sdn Bhd 11547-M

Meeting All Your Auto-Financing Needs

VISIONTo become the Most Admired Auto-Financier

through service excellence and product

innovation in the region.

MISSIONT - Teamwork

C - Customer First

A - Adaptable To Market

P - Progressive Management Philosophy

M - Meeting Stakeholders’ Expectations

1

Our mission is to progressivelydeliver top-notch services

and product innovation thatfocus on Customers First.

“”

Toyota Capital Malaysia was proudly estab-

lished in November 2001 as a strategic joint

venture between Toyota Financial Services

Corporation and UMW Corporation. Since

then we have always been guided by our

corporate vision of becoming the Most

Admired Auto-Financier through service excel-

lence and product innovation in the region.

At Toyota Capital Malaysia, we aim to add

value to our customers, dealers and distributors.

Our mission is to progressively deliver top-notch

services and product innovation that focus

on Customers First. Our zero down payment

with Toyota Drive (the first consumer lease

product in Malaysia), affordable 2-Tier plan

plus our interest-saving FlexiPlan and Islamic

products are key milestones on the path of

success via effective adaptation to the

market.

In the past 11 years we have registered a

significant growth in assets. We plan to

continue with this steady growth in the next

5 years by strengthening our I.T. infrastructure

and support facilities with business process

re-engineering methods. We believe that our

investments will benefit in terms of improved

processing speed, greater flexibility and,

most importantly, our customers’ satisfaction.

In line with our growth strategy, we are

embarking on an exciting new initiative:

Fleet Management. We are confident that

this unique program will go a long way

towards helping us achieve our growth,

market-share and earnings targets, spurring

us to emerge stronger in this challenging and

ever-changing business environment.

Finally, I want to say thank you to our clients

and business partners for all their support. We

promise to always be there to deliver

first-class products, services and experiences

to our entire community.

Mr. Kuah Kock Heng

PresidentToyota Capital Malaysia

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Message From ThePresident

TOYOTA CAPITAL MALAYSIA Sdn. Bhd. is a subsidiary of Toyota Financial Services Corporation (TFSC), which specialises in vehicle finance for Toyota Motor Corporation (TMC) around the world, with a global presence covering more than 30 countries and regions worldwide with managed assets totalling US$156.6 billions as of March 31, 2012.

TFSC was established in July 2000 as a holding company for TMC’s financial subsidiaries offering financial prod-ucts and services to support the sale of vehicles. TFSC focus on offering comprehensive financial services catering to the diverse needs of customers. To date, TFSC has expanded to 34 countries and regions including Americas, Europe, Africa and Asia-Pacific. Wherever it operates, TFSC has remained steadfastly committed to supporting Toyota distributor partners, dealers and customers in producing memorable customer events and top-notch service quality.

TFSC believes in going the extra mile to deliver excellence in customer service, ethical standards and product quality. Our philosophy is simple: Strong win-win relationships bring complete customer satisfaction thereby creating "Customers for Life".

The TFS Way: • Challenge • Speed • Unity of Purpose

About Toyota Financial Services Corporation

3

Toyota Capital Malaysia was established as a captive finance company of Toyota to enhance value of existence for Toyota group. We will provide sound financial services that contribute to a prosperous life for Toyota customer, dealer and others. Our aim is to attract more customers; enriching their life with car ownership via affordable access to auto-financing and services.

We shall deliver this by implementing Toyota way: Respect for people (Respect, Team work) and Continuous improvement (Challenge, Kaizen, Genchi Genbutsu), by utilizing Plan-Do-Check-Act (PDCA) Cycle approach. This practice leads us to strengthen ourselves and empower us to provide better products and services.

We are now into our 11th year. Our customer base has grown to almost 80 thousands. We are indeed deeply grateful to our customers and business partners for their continuous support.

To meet customers’ diverse needs, we shall continue to offer innovative auto- financing products. Accelerating our credit decision process and enhancing our operations to deliver the best customer experience and service excellence.

Always keeping in mind our Slogan, “Smarter, Stronger and Better”, all of us at Toyota Capital strive forward together to take the company into the next stage of growth. Strengthening individual ability, division power, and collaboration among company will be the key areas to focus.

We will continue our efforts to accomplish a stronger foundation to pursue sustainable and profitable growth as well as delivering more value to our customers.

Mr. Tomohiro Watabe

Executive Vice PresidentToyota Capital Malaysia

Message From The Executive Vice President

08 09 10 11 12 08 09 10 11 12

Customer Number ofTFS Group

(Millions)

Total Assets(Billions USD)

14.115.0

324.0

295.9

326.2

358.6

138.8157.0

135.1135.2

15.8

7.57.9

8.1

6.67.1

7.7

17.4

8.5

8.9

19.5

8.6

10.9

Sales Finance

Credit card

TFS (Consolidated)

TMC (Consolidated)

400

350

300

250

200

150

100

50

0

20

15

10

5

0

08 09 10 11 12

TFS (Consolidated)Operating Income

(Billions USD)

0.0 -0.8

2.3

4.1

3.5

5.0

4.0

3.0

2.0

1.0

0

-1.0

372.9

156.6

Toyota Financial Services Global Presence

TFS Financial And Operational Performance

Fiscal year ending March 31

4

The Toyota Way

The Toyota Way

Respectfor People

ContinuousImprovement

ChallengeWe form a long-term vision, meeting challenges with courage and creativity to realize our dreams.

KaizenWe improve our business operations continuously, always driving for innovation and evolution.

GenchiGenbutsuWe practice Genchi Genbutsu which involves going to the source to find the facts and make correct decisions, build consensus and achieve goals in time.

RespectWe respect others, make every effort to understand each other, take responsibility and do our best to build mutual trust.

TeamworkWe stimulate personal and professional growth, share the opportunities of development and maximize individual and team performance.

The Toyota Way is the guiding light for the people of the global Toyota organization and expresses our commitment to customers, shareholders, associates, business partners and the global community. It is the spirit of continually challenging ourselves to improve and exceed expectations. Our entire team is dedicated to keep discovering and implementing innovative creations and the next break-through solution.

We do this through our appl ication of the Japanese philosophy of Continuous Improvement - Kaizen.

• Kaizen Mind and Innovative thinking• Building Lean Systems and Structure• Promoting Organizational Learning

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About Toyota Capital Malaysia

Toyota Capital Malaysia (TCAPM) is a joint venture between Toyota Financial Services Corporation (TFSC) and UMW Corporation. Our core business model is to provide automotive financial services for Toyota and Lexus customers. In recent years, we started to grow our auto-financing business to support the sales of national car brand, Perodua and also commercial vehicles such as Hino and Daihatsu.

The company was established in 1971 as part of the expansion plan of UMW, our local joint venture partner to finance its equipment operations. It

changed its name to UMW Toyota Capital Sdn Bhd in November 2001 after TFSC acquired shares in the company.

The name Toyota Capital Malaysia was eventually adopted on 18 August 2008 as part of TFSC'salignment of its Malaysia operations with the naming convention used globally in all countries where TFSC operates. UMW Corporation retains its 30% equity stake in TCAPM.

TCAPM is the leader in Islamic Financing in the TFS Group. Through product innovation, we continue to contribute towards the growth of TFS globally.

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The Management Team

1 Mr. Thomas Chai Kok Leong Vice President, Sales and Asset Management

2 Ms. Chu Boon Lui General Manager, Accounts and Treasury

3 Mr. Alex Chang Senior Manager, Asset Management and Customer Service

UMW Holdings Berhad

UMW Corporation

Toyota MotorCorporation

Toyota FinancialServices Corporation

Toyota Capital Malaysia

Toyota Capital Acceptance MalaysiaToyota Lease MalaysiaSeabanc Kredit

100%

100% 100% 100%

30% 70%

100%

Group Of Companies

12 3

Our Head Office, Branches And Support Outlets

Toyota Capital Malaysia’s head office is located in Petaling Jaya, Selangor with a network of branches in almost all regions in Malaysia. In line with our business operations strategy, we have established many support outlets located at Toyota showrooms in almost every state, providing resources and dedicated Marketing Officers to attend to our customers’ financing needs.

Our helpful Marketing Officers are ever ready to assist customers in choosing the best automotive financing solution that meets their needs. We also have representatives ready to attend to customers at dealerships at Perodua, Hino and Daihatsu. Our five main regional offices are as follows:

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Section 19, PJ

Johor Bahru

Petaling Jaya

Klang

Melaka

Seremban

Batu Pahat

Muar

Sitiawan

Ipoh

Taiping

CherasPandan Indah

Ampang Point

Kota Bharu

KualaTerengganu

Alor Setar

Penang Prai

Temerloh

Kuantan

SubangJaya

CENTRAL & EAST COAST REGION:Petaling JayaLevel 20, Plaza IBM, First Avenue, Bandar Utama, 47800 Petaling Jaya, Selangor. Tel : 6-03-7962 6000 Fax : 6-03-7962 6076

NORTHERN REGION:Prai No. 1, Ground Floor, Jalan Todak 5, Pusat Bandar Seberang Jaya, 13700 Seberang Jaya, Prai,Pulau Pinang. Tel : 6-04-3978 721/22/23 Fax : 6-04-3978 724

SOUTHERN REGION:Johor Bahru Unit 18.02, 18th Floor, Menara Zurich, 15 Jalan Dato’ Abdullah Tahir, 80300 Johor Bahru, Johor. Tel : 6-07-335 5578/79 Fax : 6-07-335 5576

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Miri

Bintulu

Sibu

Kuching

Kota Kinabalu

Tawau

Head Office/Branch

Branches

Support Outlets

SABAH REGION:Kota Kinabalu Ground Floor, Bangunan UMW, Batu 5 1/2, Tuaran Road, Inanam, 88450 Kota Kinabalu, Sabah. Tel : 6-088-381 212 Fax : 6-088-384 418

SARAWAK REGION:Kuching Crown Towers, 88, Jalan Pending, 93450 Kuching, Sarawak. Tel : 6-082-337 777 Fax : 6-082-332 000

Hire PurchaseToyota Capital Malaysia’s hire-purchase plans give hirers the option of making fixed payments for the use of a vehicle over a set number of years. Our plans are offered at competitive rates for Toyota, Lexus and Perodua customers.

Toyota FlexiPlanThis is a first in Malaysia for Toyota Capital. Toyota FlexiPlan, a variable rate auto-financing pegged against Base Lending Rate(BLR) was launched in December 2005.

Toyota FlexiPlan allows hirers to have the flexibility in controlling its monthly prepayments to reduce the principal loan amount at any time. This enables interest savings as interest is computed on a monthly rest based on the Reducing Balance method.

Customers also enjoy the flexibility of adjusting their monthly payment or tenure when the BLR changes, not to mention the option to switch from variable rate to fixed rate at any time at no additional cost.

Toyota 2-Tier PlanToyota Capital Malaysia believes in constant innovation in developing unique products to cater to the needs of customers. We believe that product creativity and customer-centricity is critical towards finding new avenues to support auto sales.

Launched in October 2009, Toyota 2-Tier Plan is a first-of-its-kind program designed with affordability and lower loan repayment to cater for entry level young executives to start on a Toyota car ownership program.

This hire purchase plan offers a great option for customers who prefer affordable monthly repayments so they can begin owning a Toyota immediately.

AL-IJARAH THUMMA AL-BAY (AITAB)

This Islamic automotive financing product was conceptualised in consultation with our Shariah Advisor to provide a ‘riba’-free plan in compliance with Shariah principles. Launched in June 2005, AITAB has been well received by our Muslim car owners and is in line with our philosophy of offering relevant products to meet customer needs.

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Our Products

Toyota DriveWith the launch in August 2007, Toyota Drive is the first Islamic lease product in Malaysia.

It is an innovative consumer lease option that has been implemented with great success in Australia, USA and Canada and now Malaysians can enjoy it as well through Toyota Capital.

This unique program gives unprecedented benefits to Toyota customers, such as zero down payment, guaranteed Lease End Value (LEV), with the freedom of ownership at the end of the lease either to purchase at the predetermined LEV or renew the lease to drive a new Toyota every 3 to 5 years, the Guaranteed Auto Protection (GAP) in the event of total loss due to theft or accident, lower monthly rentals and our renewal services of Takaful/ insurance policy and road tax. Toyota Drive by all accounts gives a superior alternative to conventional hire-purchase plans and represents another milestone in product innovation for the sake of customer satisfaction and convenience.

Lexus Access Launched in June 2010, Lexus Access program is a joint collaboration effort of Toyota Capital Malaysia with Lexus Malaysia to support Lexus sales and promote an early start to luxury car ownershipeffortlessly through a consumer lease.

Lexus Access offers the same attractive benefits as Toyota Drive to Lexus customers, including zero down payment, guaranteed LEV, GAP and other benefits, giving our customers another easy alternative to choose Lexus.

Lexus Access therefore stamps Toyota Capital Malaysia’s commitment to offer an easy andconvenient alternative to our customers to drive away a Lexus.

Both our Lexus Access and Toyota Drive programs have been developed in consultation with our Shariah Advisor to ensure financing options are in line with Islamic principles and practices.

Our Products

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Hino and Daihatsu. Our team regularly patronises Hino and Daihatsu dealerships to build work relationships with their sales teams and providing the auto financing support to the businesses.

Operating LeaseOur clients can acquire a fleet of Toyota vehicles by merely paying a long-term and fixed price rental. No capital outlay is required thus enabling their business to run smoothly without having to incur large costs at regular intervals and freeing up their finances for other business purposes. Fleet leasing is also transacted off their company's Balance Sheet. The leasing arrangement can also be customised to meet customer needs and requirements.

Wholesale Financing Our wholesale financing programs help facilitate Toyota dealers’ requirements in terms of cash-flows, inventory and credit lines to ensure they can always maintain customer satisfaction.

We offer wholesale financing to our Toyota dealers as we understand their needs for sufficient working capital to finance their inventory purchases,especially during high demand periods. Our facility helps ease their cash flow as we provide financing in the form of a credit line that gives dealers access to funds to keep inventory at a level ready to meet their customers’ needs.

Our Products

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Fleet ManagementThrough a joint collaboration with Toyota, we offer our clients - small businesses or large corporations - effective vehicle financing and fleet management solutions customized to suit their needs. Not only will our Fleet plan finance the cost of the vehicles, it also covers their everyday running and maintenance costs. Furthermore, it comes with a host of services, including periodic and preventive maintenance, insurance management, vehicle acquisition and disposal, as well as fleet management reporting.

Offering a full suite of financing options, our Fleet Management is a hassle-free approach which helps our clients reduce the lifetime running costs of a fleet, improve cash flow planning and eliminate administrative tasks.

Our dedicated Fleet Management team also works closely with the Toyota Fleet team and Toyota dealers to extend comprehensive fleet management and vehicle maintenance program so customer satisfaction is always ensured.

Industrial Hire PurchaseToyota Capital Malaysia offers attractive industrial hire purchase plans for business owners who areinterested to purchase commercial vehicles such as

Toyota Capital Malaysia is committed towards achievinghigh-quality performance and growth. We attained remarkable and steady growth over the years achieving a high of RM3.5 billions in total assets as of March 31, 2012. Our customer base has also grown significantly over the years. It has now doubled since 2008 to more than 77,000 customers.

80

70

60

50

40

30

20

10

0

2008 2009 2010 2011 2012

Total Assets(RM Millions)

1,598

2,051

2,625

3,001

3,505

2008 2009 2010 2011 2012

36.4

44.9

54.9

63.7

77.44,000

3,500

3,000

2,500

2,000

1,500

1,000

500

0

Our Total Assets And Product Mix

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AITAB28%

HirePurchase

55%

FlexiPlan16%

Product Mix

Toyota Drive1%

Number Of Customers(Thousands)

Fiscal year ending March 31

Convenient Ways2PayIn our pursuit to ensure customer convenience, we are constantly working with potential parties to provide alternative payment channels.

Our current payment channels include MEPS Direct Debit as well as ATM and CDM networks with participating banks.

PAYMENTVIA MAIL

PAYMENT ATOUR OFFICE

CASH DEPOSITMACHINE

PAYMENT VIAMEPS DIRECT DEBIT

AUTOMATEDTELLER MACHINE

PAYMENT VIAON LINE

13 Sep

tem

be

r 20

12

Value-Added ServicesToyota Capital Malaysia believes in going beyond the norm to

provide extra value-added services for our customers. These

services include motor insurance renewal from reputable

insurance companies throughout the country and road tax

renewal services.

Toyota Capital Malaysia Sdn Bhd 11547-M

Level 20, Plaza IBM, First Avenue,Bandar Utama, 47800 Petaling Jaya,Selangor, Malaysia

Tel : 6-03-7962 6000 Fax : 6-03-7962 6076

Visit us at: www.toyotacapital.com.my