Loan Underwriting & Submission Process

UST MANAGEMENT

Why Refinance Your Property?

1. Economic Downturn – Need Extra Cash2. Loan Rates are falling (Lower Interest)3. Existing Property Market Value Increase4. Interest Savings 5. Flexi-Home Loan for Property free from

Encumbrances6. Standby Credit7. Business Expansion

Why Join UST Management

1. Business Ownership Program – Be an your own Entrepreneur2. Ready Business – HomeLoan and Business Loan3. Outsource Agency for 7 Banks i.e. StanChart, OCBC, RHB,

AmBank, UOB, Alliance Bank, Hong Leong Bank4. Offers the best commission in the Market e.g. for every RM100K

loan amt approved – your comm is RM200 for each RM100K loan5. SMS platform that advertise your business for FREE6. Advancement to Financial Planning Career that includes Life

Insurance (ING) and Corporate Loans for SME Bank (formerly known as Bank Industry)

7. Wide affiliation with Great Vision Sdn Bhd – the largest agency for ING Insurance Bhd in Malaysia with 600 over agents

8. Special commission of 2% of loan amount for Personal Loan disbursed under Govt Servants

9. Strong support with branches in Klang, Puchong, Wisma MPL in Raja Chulan, Bandar Sri Damansara

Benefits of being An Agent Providing Home Loans and Other Loans

1. Cross Sell other financial Instruments like Unit Trust, FDs, Corporate Loan, Personal Loan, SME/SMI Loan and HomeLoan plus Life Insurance

2. Sell Loan across Industry or any Industry3. Evengreen Business during bad times people need

loans to survive, during good times people need loans for business expansion

4. All advertisement taken care by local/foreign banks – no need to advertise much

5. All prints like flyers and brochures provided by Banks6. Financial Products are easy to explain and understand

by customers7. Easy to get appointment from Prospects

SPECIAL PACKAGES FOR PROPERTIES LOCATED AT:Taman Tun Dr Ismail Bandar Utama Damansara UtamaDamansara Jaya Damansara Kim TropicanaAman Suria Kota Damansara PuchongBukit Kemuning Wangsa Baiduri Bandar SunwayAra 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 packageLoan above RM150,000 with MRTA

Normal PackageLoans Below RM150,000 with MRTA

1st Year2nd Year3 - 5 Years

6 – 15 Years

1.75%BLR - 1%

BLR + 0.35%BLR + 0.25%

2.0%

C: HomeSmart & Homemaker Loan Packages*

TenureCompleted Properties Only(Bank Pays Moving Cost)

BLR + 0%

1st Year

2nd 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

2nd 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 013-3636536Margin Of Finance 95% inclusive MRTA

BLR + 0%Thereafter

Overdraft BLR + 0.50%

Letter of Offer (L/O)