Restructuring is defined as altering an existing payment structure to a new structure.

This also means lengthening of financing tenure, changing the structure and frequency of Principal, return and late fee payments and any other terms of payments.

The restructuring period will usually be structured to not more than 24 months. However, on certain occasions it could be longer depending on the Issuer's payment capability.

The payment structure will be rescheduled and changed entirely which include both Principal and return payment.

This will help in the recovery process on distressed Notes and increase the possibility of collections from the Issuer.

Generally, this process is a win-win situation for both investors and the Issuers. This helps the Issuers ease financial affordability and eba