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LOAN AGREEMENT DATED THIS 18/TH/ DAY OF AUGUST 1995, RELATING TO A TERM LOAN FACILITY OF RM91,000,000 BETWEEN SYARIKAT TELEFON WIRELESS (M) SDN. BHD. AS BORROWER AND PERMATA MERCHANT BANK BERHAD AS ARRANGER AND PERMATA MERCHANT BANK BERHAD AS AGENT...