QUESTION 3 (a) Maju Sdn Bhd was established in 2015 and manufactures cooking oil for the local market. On 01 March 2019, the company obtained the following financing package from CCB Bank Berhad to finance its business expansion. FACILITY Cash Line AMOUNT RM 500,000 TENURE CONTRACT Tawarrug Working 3 years PURPOSE To finance working capital Capital Tawarrug To finance the Fixed asset purchase of the financing RM2,000,000 12 years factory. (i) (ii) (111) Repayment for the fixed asset financing was due every 25 of the month. Last installment was paid on 30 June 2020. Subsequently, no payment was made on 31 July 2020 and 31 August 2020. Explain the status of the financing as at 31 August 2020, in accordance with the Guidelines for Classification and Impairment Provisions for Loans/Financing issued by the Central Bank of Malaysia, dated 16 April 2015. (2 marks) The customer made payment on the overdues amount on 30 September 2020. Subsequently, the payment is up-to-date every month with no arrears. Customer has been prompt in servicing its installment. However, during a site visit on 30 November 2020, it was found that the factory was closed. The factory's phone number and directors also could not be contacted. Further checking with the other nearest factory revealed that the factory has been abandoned for one year. Explain the status of the financing as at 30 November 2020, in accordance with the Guidelines for Classification and Impairment Provisions for Loans/Financing issued by the Central Bank of Malaysia, dated 16 April 2015. (2 marks) Suggest ONE (1) possible reason why the company can still pay its installment every month even though the factory was not in operation and cannot not be contacted. Explain the potential risks to banking institutions associated with the suggested reason. (6. marks)