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A Trade Reference Letter is a crucial document in Malaysian business operations, typically requested when establishing new business relationships, applying for credit facilities, or participating in tender processes. The document serves as a formal testimony from an existing business partner about the subject's commercial conduct, creditworthiness, and reliability. Under Malaysian jurisdiction, these letters must comply with various regulations including the Contracts Act 1950, Personal Data Protection Act 2010, and Financial Services Act 2013. The letter should provide factual, objective information about the business relationship, including duration of association, payment history, and transaction patterns, while being mindful of potential liability issues and data protection requirements. Trade Reference Letters are particularly important in Malaysia's business environment where formal credit assessment mechanisms may need to be supplemented with direct business references.

1. Letterhead Details: Company logo, name, address, and contact information of the entity providing the reference

2. Date and Reference Number: Current date and any internal reference number for tracking purposes

3. Recipient Details: Name and address of the party to whom the reference letter is addressed

4. Subject Line: Clear indication that this is a Trade Reference Letter for [Company/Individual Name]

5. Relationship Statement: Declaration of the business relationship, including duration and nature of dealings

6. Transaction History: Overview of business volume and typical transaction values

7. Payment History: Statement regarding payment practices and reliability

8. Closing Statement: Standard closing confirming willingness to provide additional information if needed

9. Signature Block: Name, position, and signature of authorized representative providing the reference