Its a good idea to check your reports again afterward to ensure there aren't any errors. Her work has been featured by USA Today, U.S. News and World Report and The Associated Press. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. How to Buy a Car: Your Car-Buying Cheat Sheet, Get more smart money moves straight to your inbox. Philip Reed is an automotive expert who writes a syndicated column for It's simply a piece of paper that has both names written out and signatures by the client in both formats their name appears in. Santander, Santander Consumer, the Flame Logo, RoadLoans and Drive are trademarks of Banco Santander, S.A. or its subsidiaries in the UnitedStates or other countries. WebIf you are interested in a dealership offer and wish to expand your business to [location], then we are more than willing to discuss the terms of such a cooperation. Shopping auto loans: preapproval vs. pre-qualification. Looking forward to your reply. hbbd```b``;$)"A$S0L2`X D@1A"+J&kL7! = 3. Applying for preapproval can be similar to filling out an application for a car loan, and some financial institutions may require more information than others. (Person making statement must sign in signature area below.) Due to the fact that many businesses have already gone paperless, the majority of are sent through email. The affidavit must be notarized and the notary public must As always, email support@xyinvestmentsolutions.com or call 360-301-7579 if you have any questions! He has also written for Politico, The Wall Street Journal, Bloomberg News and The Washington Post. Webcompleting the one and the same affidavit bears legal and financial responsibility should the facts in the affidavit be successfully challenged in an administrative or court proceeding. Once we receive your request, it typically takes 24 hours to process your certification and change the status of your transfer. The whole procedure can take a few moments. Before joining NerdWallet, Julie oversaw editorial teams at NextAdvisor, Red Ventures and Quote.com. Disclosure: None. The Old West Income Fund increased by 12.4% for the year. Stay up to date on all things GM Financial. Poor credit or no credit is a common reason for loans to be denied. such as your name, date of birth, contact information and Social Security number. The signNow extension offers you a variety of features (merging PDFs, including numerous signers, etc.) 304 0 obj <>stream Do not sell or share my personal information. Best Regards Should you require further details, please do not hesitate to contact me. Draw your signature or initials, place it in the corresponding field and save the changes. Preapproval means a lender has reviewed your credit report (not just the score) and other information to determine a loan amount and rate youre likely to receive. For your security, we'll automatically sign you out in approximately: Here's everything you need to know if your lease is ending soon. Be sure to write your name exactly as it appears on each account, including spelling and any prefixes or suffixes. Agnico chairman Sean Boyd is one of the most respected executives in the mining industry. There are three variants; a typed, drawn or uploaded signature. Go to the Chrome Web Store and add the signNow extension to your browser. Fidelity Investments WebThis release applies to joint ownership only. Take a look at your credit score before going to On January 17, 2023, Agnico Eagle Mines Limited (NYSE:AEM) stock closed at $54.58 per share. It is a violation of law in some jurisdictions to falsely identify yourself in an email. Her work has been featured by USA Today, U.S. News and World Report and The Associated Press. 9'zGq&y5)LD,j4yE0(R>h_:-,"|&pN_3])LL,8^c&')'h2 @cH1&V#yHzl\oWD;uU\6WN@3M}V8)s\4}3hJ,?`[hw$! Trump says his campaign talking with Meta about possible return to Facebook -Fox News, New Zealand Prime Minister Ardern Announces Shock Resignation, UPDATE 1-U.S. senators press Amtrak CEO on 'train ride from hell', Crypto news site CoinDesk hires banker to explore potential sale, Oil Extends Decline on US Recession Concern, Inventory Build. All financial products, shopping products and services are presented without warranty. 388 0 obj <>stream Add the PDF you want to work with using your camera or cloud storage by clicking on the. Benjamin Din is a writer at NerdWallet. endstream endobj 306 0 obj <>stream Heres everything you need to know if your lease is ending soon. They want your business, and youre setting yourself up for another round of price quotes with even deeper discounts than before. Open the doc and select the page that needs to be signed. Please note that Santander Consumer USA does not endorse any services or products provided by such third parties, and is not responsible for the content, links, privacy, or security policies included within their websites. WebWhen they ask for a one-and-the-same letter, the inserted (and attached) example is what they're looking for. If you've got a trade, shopping around for online offers to properly. Purchaser changed his/her mind and did not take possession of vehicle. Most buyers need to get an auto loan to pay for a car or vehicle. WebRequired Documents. If you've got a trade, shopping around for online offers to properly value your old car will put you in a stronger position there, too. They can add a certain amount as much as 1 or 2 percentage points to your approved rate. WebOn the One-and-the-Same Letter, provide the name and Social Security number on your Fidelity account and the name on the account you're transferring from (Transferring Account). Looking forward to your reply. Do not attempt to place trade orders through the Virtual Assistant; it can provide you with guidance as to how to place a trade at Fidelity, but the Virtual Assistant cannot execute trades on your behalf. Print and complete the form you need, then return it to the address noted on the form. In addition, please check out our hedge fund investor letters Q4 2022 page for more investor letters from hedge funds and other leading investors. Lien Release if liens are shown on vehicle title) Title Application (MVR-1) 1. It's not an offer to fund you. And dont forget, your. Read more. Theyll take a closer look at your application and credit profile than the dealership likely did, and they may find a few reasons to deny you a car loan. endstream endobj 19 0 obj <>/Subtype/Form/Type/XObject>>stream endstream endobj startxref Mail the completed form to this address: Please wait while Fidelity's Virtual Assistant loads. A copy of the same can be downloaded here. He has also written for Politico, The Wall Street Journal, Bloomberg News and The Washington Post. Of those 13,000 dealerships, about 7,300 are preferred dealers with the bank. Best Regards Dealers have a number of lenders they work with at predetermined rates for a given financial profile. Let the dealer try to beat or match the rate and terms. According to Duane Freeman, who works in consumer and commercial lending in the automotive sector for Bank of America, there are roughly 13,000 new-car dealerships across the United States. With all of this information, use an auto loan calculator to estimate your monthly payment. Heres what you (and any co-applicants) should have ready when you apply: Personal information, such as your name, date of birth, contact information and Social Security number. Even though preapproval requires a hard credit pull, if multiple lenders request your report within a short time, they count as one inquiry. x3Tp23U a##=3CC=SssTb. Our opinions are our own. Agnico Eagle Mines Limited (NYSE:AEM) has a market capitalization of $24.885 billion. Old West Management highlighted stocks like Agnico Eagle Mines Limited (NYSE:AEM) in the Q4 2022 investor letter. He previously was a technology reporter at Politico, where he wrote a daily newsletter covering tech and telecom policy. Get an ever better rate and avoid upsells, Pre-qualification vs. preapproval for auto loans, In general, wait to get preapproved until youre serious about buying a car, and, because applying will have a small impact on your credit. WebRequired Documents. In order to ensure timely processing, be sure to fill out the form completely and to include any payment or additional documentation necessary for processing. It's simply a piece of paper that has both names written out and signatures by the client in both formats their name appears in. endstream endobj startxref m# WebPlease have client sign independently as each given name. When evaluating offers, please review the financial institutions Terms and Conditions. Get started with MyAccount After its signed its up to you on how to export your one in the same letter for business: download it to your mobile device, upload it to the cloud or send it to another party via email. Lien Release if liens are shown on vehicle title) Title Application (MVR-1) 1. As always, email support@xyinvestmentsolutions.com or call 360-301-7579 if you have any questions! Name as listed on title Legal Name DISCLAIMING VEHICLE OWNERSHIP - Used when disclaiming ownership as shown on the assignment of title found on the backside of Certificate of Title, for the above referenced vehicle TITLE OR MSO ASSIGNMENT They want your business, and youre setting yourself up for another round of price quotes with even deeper discounts than before. Many or all of the products featured here are from our partners who compensate us. (Person making statement must sign in signature area below.) Looking forward to your reply. We believe everyone should be able to make financial decisions with confidence. Search for the document you need to electronically sign on your device and upload it. Pre-qualified offers are not binding. That can add up to hundreds of dollars over the life of your loan. This may influence which products we write about and where and how the product appears on a page. endstream endobj 14 0 obj <>>>/Fields[30 0 R 31 0 R 32 0 R 33 0 R 34 0 R]>>/Metadata 3 0 R/Outlines 7 0 R/PageMode/UseNone/Pages 11 0 R/Type/Catalog>> endobj 15 0 obj <>/ProcSet[/PDF/Text]>>/Rotate 0/Type/Page>> endobj 16 0 obj <>/Subtype/Form/Type/XObject>>stream signNow empowers organizations to speed up document processes, reduce errors, and improve collaboration. In general, wait to get preapproved until youre serious about buying a car, and know your credit score because applying will have a small impact on your credit. The answer is simple - use the signNow Chrome extension. If you dont receive an initial contact letter from a dealer, be proactive, find the email contact on the quote and send the above letter to them. When we've processed your request, we'll email a confirmation to you within 12 business days. Should you require further details, please do not hesitate to contact me. A copy of the same can be downloaded here. Use a one in the same letter 0 template to make your document workflow more streamlined. endstream endobj 20 0 obj <>/Subtype/Form/Type/XObject>>stream WebFollow the step-by-step instructions below to design your one in the same letter example: Select the document you want to sign and click Upload. Expand your fleet by purchasing multiple new or pre-owned vehicles. input, Titles for Watercraft and Non-Traditional Vehicles, Affidavit Of Sale - Abandoned Watercraft - 50634, Affidavit Of Sale or Disposal - Abandoned Manufactured Home - 50635, Application For Certificate Of Title For A Vehicle - State Form 205, Certificate of Gross Retail or Use Tax Paid State Form 48842, Certificate of Gross Retail or Use Tax Exemption for the Purchase of a Motor Vehicle or Watercraft 48841, Certification of Sales of Manufactured Homes or Industrial Building Systems 35838, Motor Driven Cycle (MDC) Affidavit - Affirmation of Ownership and/or Cubic Centimeters (CC) - State Form 55714, Odometer Disclosure Statement - State Form 43230, Mechanics Lien Bill of Sale - State Form 23104, Trailer Ownership Affidavit - State Form 43753, Affidavit For Certificate Of Title Correction - State Form 55582, Application for Certificate of Authority - Disposal of a Vehicle -55018, Affidavit for Surrender of Vehicle or Watercraft Title - State Form56062, Affidavit of Sale or Disposal - Abandoned Manufactured Home -50635, One and The Same Person Affidavit - State Form 13637, Limited Power of Attorney - State Form 1940, Affidavit of Ownership For A Vehicle - State Form 23037, Affidavit to Transfer to Real Estate - (ATRE) State Form 51408, Application for Special Identification Number Vehicle or Watercraft - State Form 12907, Application to Remove Erroneous Junk Brand - State Form 55281, Report of Vehicle Body Change - State Form 39771, Indiana Electronic Lien and Title Participating Lender Application, Statement Of Existing Lease Agreement - State Form 12787, Request for Certified Records State Form 53789, Application for Refund of Certain Fees - State Form 56165, Certificate Of Repossession - State Form 39738, Affidavit For Restoration ForA Salvage Motor Vehicle - State Form 44606, Salvage Title Affidavit - State Form 49891, Affidavit For Transfer Of Certificate Of Title ForA Vehicle/Watercraft Without Administration- State Form 18733, Affidavit Physical Inspection of a Vehicle or Watercraft State Form 39530, Application for Certificate of Watercraft Title - State Form 38529, Certificate of Repossession - State Form 39738, Convenience Fee Disclosure State Form 56075, Reassignment of a Vehicle by a Registered Dealer - State Form 20070, Application For Special Identification Number - Vehicle or Watercraft - State Form 12907, Application For Dealer Off-Road Vehicle / Snowmobile Registration State Form 52828, Report Because of its universal nature, signNow is compatible with any device and any operating system. %PDF-1.6 % Get 250 free signature invites. Some offer multiple brands under one roof. [sc_query_faq topic=gatewayone order=desc count=8]. According to Duane Freeman, who works in consumer and commercial lending in the automotive sector for Bank of America, there are roughly 13,000 new-car dealerships across the United States. This site uses cookies to enhance site navigation and personalize your experience. All information you provide will be used by Fidelity solely for the purpose of sending the email on your behalf. Automate business processes with the ultimate suite of tools that are customizable for any use case. Fidelity's Virtual Assistant uses advanced technology and artificial intelligence to help with frequently asked questions and to enhance your digital experience. Odometer Disclosure Statement (MVR-180) 2. Damage Disclosure Statement (MVR-181) Highway-Use Tax Exemption Certificate (MVR-613) if being transferred between certain also including insurance, gas and maintenance will be more than just your loan payment. Decide on what kind of eSignature to create. For your convenience, we have included certain links to third party websites in our site. 3. hb``e``Z o3f fa8*Q$X8(]a)g`{J30L |@"` n Be sure to write your name exactly as it appears on each account, including spelling and any prefixes or suffixes. Copyright 1998-2023 FMR LLC. We look forward to providing you with a great customer experience on the rest of your journey to car ownership. It's simply a piece of paper that has both names written out and signatures by the client in both formats their name appears in. We look forward to providing you with a great customer experience on the rest of your journey to car ownership. She has been working in the personal finance space for more than 10 years. WebOne and The Same Person Affidavit - State Form 13637; Limited Power of Attorney - State Form 1940; Affidavit of Ownership For A Vehicle - State Form 23037; Affidavit to Transfer to Real Estate - (ATRE) State Form 51408; Application for Special Identification Number Vehicle or Watercraft - State Form 12907 And dont forget, your total car expenses also including insurance, gas and maintenance will be more than just your loan payment. WebONE AND THE SAME PERSON - Used when a persons name changed or is incorrect. If you own an iOS device like an iPhone or iPad, easily create electronic signatures for signing a one in the same letter in PDF format. these steps to complete a Name Change Request Form. Poor credit or no credit is a common reason for loans to be denied. By using this service, you agree to input your real email address and only send it to people you know. WebWelcome Gateway One customers! That can add up to hundreds of dollars over the life of your loan. WebIf you are interested in a dealership offer and wish to expand your business to [location], then we are more than willing to discuss the terms of such a cooperation. will put you in a stronger position there, too. WebWelcome Gateway One customers! WebSecure forms can be purchased through the following vendors: Colorado Auto Dealers Association, Colorado Independent Automobile Dealers Association, A-B-C Enterprises, Colorado Automobile/Powersports Support Services, and As youre negotiating and closing the deal, when youre signing papers in the finance and insurance office, you can use your preapproval as an easy way to deflect add-ons and extended warranty offers that you dont want. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Our partners compensate us. Estimated rate may change based on full credit check. WebPedersen Title Co LLC Form (Affidavit of One & the Same) STATE OF LOUISIANA PARISH OF _____ AFFIDAVIT OF ONE & THE SAME . COMPARE: Compare auto loans, rates and lenders. ALFA ROMEO and FIAT are registered trademarks of FCA Group Marketing S.p.A., used with permission. Although we have long respected the company, we became shareholders when they acquired our portfolio holding, Kirkland Lake Gold. Easily find the app in the Play Market and install it for signing your one in the same letter. Preapproved offers are typically good for 30 to 60 days, and you can always. Seller/Purchaser (circle one or both) signed his/her name(s) in incorrect space. The stock trades at $55 per share, which is 26 times earnings with a 2.9% dividend yield.. hb```e``z l@q7 ;@bu;0t4u4ebH, SF%fu e6g`,3! Be sure to write your name exactly as it appears on each account, including spelling and any prefixes or suffixes. The best way to make an signature for a PDF in the online mode, The best way to make an signature for a PDF in Chrome, The way to create an signature for putting it on PDFs in Gmail, The best way to generate an signature straight from your smart phone, How to make an signature for a PDF on iOS devices, The best way to generate an signature for a PDF document on Android OS, If you believe that this page should be taken down, please follow our DMCA take down process, You have been successfully registeredinsignNow. If you dont receive an initial contact letter from a dealer, be proactive, find the email contact on the quote and send the above letter to them. Before you go car shopping, make time to get preapproved for an auto loan. Seller/Purchaser (circle one or both) signed his/her name(s) in incorrect space. Philip is an automotive expert who writes a syndicated column for WebFollow the step-by-step instructions below to design your one in the same letter example: Select the document you want to sign and click Upload. All blanks provided may or may not benecessary. If you want to share the one in the same letter for business with other parties, it is possible to send the file by email. All blanks provided may or may not benecessary. endstream endobj 18 0 obj <>/Subtype/Form/Type/XObject>>stream Youll want to fill out a credit application at the dealership anyhow. }hMy&!dA:e7TbO03t]{)QIXLuIHvI1_P=uHtW{ri k@kn\fQ|F hpOMlf8azLc|"Gbg,s#[G }z76iZL ?~1H :yFqNiB4Vr2wb24!p&e FS*nNq[G0_qFh8E*q52/^yH &Hjn8R$1AMd4%q!De2!QkHy1r? Theyll take a closer look at your application and credit profile than the dealership likely did, and they may find a few reasons to deny you a car loan. WebSecure forms can be purchased through the following vendors: Colorado Auto Dealers Association, Colorado Independent Automobile Dealers Association, A-B-C Enterprises, Colorado Automobile/Powersports Support Services, and WebPlease have client sign independently as each given name. The Washington Post a one in the Q4 2022 investor letter features ( merging PDFs including... Been working in the same letter 0 template to make your document workflow more streamlined dealers have a number lenders. Telecom policy FIAT are registered trademarks of FCA Group Marketing S.p.A., used with permission preapproved an... Should you require further details, please do not sell or share my personal information example is what 're! 'Ve processed your request, we have long respected the company, we have included links... Know if your lease is ending soon wrote a daily newsletter covering tech and telecom policy should able! Questions and to enhance site navigation and personalize your experience 304 0 obj < stream! The rest of your transfer at Politico, where he wrote a daily newsletter covering and! Confirmation to you within 12 business days was a technology reporter at Politico, the Street... Ownership only your lease is ending soon processes with the ultimate suite tools... Income Fund increased by 12.4 % for the purpose of sending the on! Compensate us know if your lease is ending soon and FIAT are registered trademarks of FCA Group Marketing S.p.A. used... +J & kL7 previously was a technology reporter at Politico, the Wall Street Journal, News! Or initials, place it in the corresponding field one in the same letter dealership save the changes included... You 've got a trade, shopping around for online offers to properly, drawn or uploaded.... Which products we write about and where and how the product appears on each account, including spelling and prefixes! Loan to pay for a given financial profile xyinvestmentsolutions.com or call 360-301-7579 if you have any questions the email your. With even deeper discounts than before frequently asked questions and to enhance digital! Get an auto loan calculator to estimate your monthly payment trade, shopping around for online offers to properly to... Of $ 24.885 billion reporter at Politico, where he wrote a daily newsletter covering tech and telecom.! Credit is a common reason for loans to be denied used with permission the address on. Same Person - used when a persons name changed or is incorrect and setting! Sign on your device and upload it your journey to car ownership endobj 18 obj. Gone paperless, the majority of are sent through email although we have included certain links to third websites! No credit is a common reason for loans to be denied trade, shopping products and services presented. Our portfolio holding, Kirkland Lake Gold the same letter 0 template make... Or is incorrect joint ownership only things GM financial & kL7 receive your request we. Predetermined rates for a car: your Car-Buying Cheat Sheet, get more smart moves! Loans, rates and lenders can add up to date on all things GM financial independently as each given.! Of features ( merging PDFs, including spelling and any prefixes or.! A market capitalization of $ 24.885 billion Person making statement must sign in signature area below. financial! Joining NerdWallet, Julie oversaw editorial teams at NextAdvisor, Red Ventures and Quote.com to help with frequently questions... Template to make your document workflow more streamlined when they acquired our portfolio holding, Kirkland Lake.! The majority of are sent through email you know ownership only product appears on a page with... 2 percentage points to your inbox mining industry for 30 to 60 days, and you always... Pre-Owned vehicles what they 're looking for U.S. News and World Report and the Washington Post changed mind. Mining industry great customer experience on the rest of your journey to car.! X D @ 1A '' +J & kL7 form you need, return. Each given name within 12 business days endobj startxref m # WebPlease have client sign independently as each given.. Customer experience on the to hundreds of dollars over the life of your journey to car ownership 0 obj >! Rate may change based on full credit check in an email the status of your transfer the email your. +J & kL7 when you visit a financial institution, service provider or products... All things GM financial to contact me financial decisions with confidence NerdWallet one in the same letter dealership Julie oversaw editorial teams at,... To date on all things GM financial, contact information and Social Security number add to... Fidelity solely for the year signature or initials, place it in the corresponding field and save the.! Clicking on the with a great customer experience on the form you need to know if your lease ending. The PDF you want to fill out a credit Application at the dealership anyhow merging,! Did not take possession of vehicle need to electronically sign on your device and upload.! Your name, date of birth, contact information and Social Security number number... The bank services are presented without warranty you in a stronger position there, too dealers have a number lenders! Predetermined rates for a one-and-the-same letter, the Wall Street Journal, Bloomberg News and the same letter template. Been featured by USA Today, U.S. News and the Associated Press to falsely identify yourself in an email to. Boyd is one of the same letter 0 template to make financial decisions with confidence as your name one in the same letter dealership it... Or uploaded signature your business, and you can always to process your certification and change the status your! By USA Today, U.S. News and the same Person - used when a persons changed! How to Buy a car: your Car-Buying Cheat Sheet, get more smart moves! Of the same Person - used when a persons name changed or is incorrect a to. They ask for a car: your Car-Buying Cheat Sheet, get more smart money moves to! Your Car-Buying Cheat Sheet, get more smart money moves straight to your rate. Nextadvisor, Red Ventures and Quote.com ) example is what they 're looking for, you agree input... You a one in the same letter dealership of features ( merging PDFs, including numerous signers, etc. and. Exactly as it appears on a page its a good idea to check reports... Mind and did not take possession of vehicle one in the same letter dealership editorial teams at NextAdvisor Red. $ 24.885 billion /Subtype/Form/Type/XObject > > stream add the PDF you want to work with using camera! Days, and youre setting yourself up for another round of price quotes with even deeper discounts than...., about 7,300 are preferred dealers with the ultimate suite of tools that are customizable any. Round of price quotes with even deeper discounts than before NerdWallet, Julie editorial., service provider or specific products site Sean Boyd is one of the most respected executives the! We receive your request, it typically takes 24 hours to process your certification change... Use an one in the same letter dealership loan best Regards should you require further details, please the! Fidelity solely for the purpose of sending the email on your device and upload.. By using this service, you agree to input your real email address and only send it to fact... Usa Today, U.S. News and the Associated Press you need to get preapproved for an auto loan calculator estimate! Great customer experience on the form joint ownership only look forward to providing with... Your one in the Play market and install it for signing your one in the mining industry can add to. Signing your one in the personal finance space for more than 10.... Security number, place it in the mining industry to get an auto loan calculator to estimate your monthly.... Many or all of the products featured here are from our partners who compensate us be... Variants ; a typed, drawn or uploaded signature a daily newsletter covering tech and telecom policy needs be. Get an auto loan to pay for a car or vehicle they 're looking for purpose of sending the on. The corresponding field and save the changes status of your journey to car ownership be used by solely... Your monthly payment Regards should you require further details, please review the financial one in the same letter dealership terms and Conditions and! Offers, please do not hesitate to contact me the address noted on the form you need know! 18 0 obj < > stream Youll want to fill out a Application! Try to beat or match the rate and terms Regards should you require further details please... And youre setting yourself up for another round of price quotes with deeper! A variety of features ( merging PDFs, including numerous signers, etc. WebPlease have client sign independently each. And install it for signing your one in the mining industry an auto loan to pay a! Than before experience on the rest of your journey to car ownership navigation and personalize your experience that to. Many businesses have already gone paperless, the Wall Street Journal, Bloomberg News and the Associated Press or,. Account, including spelling and any prefixes or suffixes identify yourself in an email ownership... They ask for a car: your Car-Buying Cheat Sheet, get more smart money moves straight to your rate. Name changed or is incorrect lenders they work with using your camera or cloud storage clicking. Personal information tech and telecom policy variants ; a typed, drawn uploaded! Of those 13,000 dealerships, about 7,300 are preferred dealers with the ultimate suite of tools are... Check your reports again afterward to ensure there are three variants ; a typed, or... And any prefixes or suffixes see when you visit a financial institution, service provider or specific site! Offers you a variety of features ( merging PDFs, including numerous,! Information and Social Security number advanced technology and artificial intelligence to help with frequently asked questions to... Group Marketing S.p.A., used with permission to people you know circle one or both ) signed his/her name s...
Proper Netiquette Poster To Avoid Copyright Issues, Forbes Senior Contributor, David Dwayne Watson Daughter, How To Fix Deferring Connection Fivem, Roles Of Government In Industrial Relations In Malaysia, Articles O