Ben Ng HomeLoan Business - Mortgage Agency Business #barcampkl 2009

1. Loan Underwriting & Submission Process UST MANAGEMENT

6. SPECIAL PACKAGES FOR PROPERTIES LOCATED AT: Taman Tun Dr Ismail Bandar Utama Damansara Utama Damansara Jaya Damansara Kim Tropicana Aman Suria Kota Damansara Puchong Bukit Kemuning Wangsa Baiduri Bandar Sunway Ara Damansara (VALID UNTIL 30 JULY 2003) FOR NEW PURCHASE AND REFINANCING Tenure Under Construction & Completed Properties Package A: Conventional Homeloan* (Customer Pays Moving Cost) Gold package Loan above RM150,000 with MRTA Normal Package Loans Below RM150,000 with MRTA 1st Year 2nd Year 3 - 5 Years 6 – 15 Years 1.75% BLR - 1% BLR + 0.35% BLR + 0.25% 2.0% C: HomeSmart & Homemaker Loan Packages* Tenure Completed Properties Only (Bank Pays Moving Cost) BLR + 0% 1st Year 2 nd Year 5.50% Thereafter BLR + 0.5% BLR + 0.5% Overdraft Interest Rate (for Homemaker Loan Package) Loan < RM150K (With MRTA) Loan > RM150K (With MRTA) 5.25% BLR + 0% 1st Year 2 nd Year Tenure Loan > RM150K (With MRTA) 2.5% Loan < RM150K (With MRTA) 2.75% Under Construction & Completed Properties (Customer Pays Moving Cost) Thereafter BLR + 0.5% Package B: HomeSmart Package* - For Homemaker Loan, margin of finance up to 90% + MRTA financing - For HomeSmart Loan, margin of finance up to 80% + MRTA financing - Stay-in period of 5 years for the Packages above - For Package A: Additional 0.1% interest rate will apply in the 1st year if Mortgage Reducing Term Assurance (MRTA) is NOT taken For more information, call us for an obligation-free appointment The above does not constitute an offer of credit. All applications are subject to our usual terms and conditions and credit evaluation. Issued by HSBC Bank Malaysia Berhad (Company Number 127776-V) - For Package B & C: Additional 0.25% interest rate will apply in the 1st year if Mortgage Reducing Term Assurance (MRTA) is NOT taken - Our BLR is currently 6% per annum - Terms and conditions apply - Document Required : 1. Photostate I / C 2. 3 months salary slip 3. EA Form / Form J / EPF Statement Ben Ng 013-3636536 Margin Of Finance 95% inclusive MRTA BLR + 0% Thereafter Overdraft BLR + 0.50%

9. Letter of Offer (L/O)