DISCOVER HOW SMR PLAN HELPED LOAN

BORROWER

EXISTING INSTALMENT

MORTGAGEONE

CUT 224 MONTHS (75.17%)

& MYR80,618.79 INTEREST (77.64%)

S M R P L A N . C O M 1

• Event: Webinar• Language: English• Date: 6th Mar 2014• Day： Thursday

• Time: 10AM-11AM• Venue: Online• Fee: FOC• Gift: Free SMR PLAN Analysis

6

OUTLINE

S M R P L A N . C O M 2

1. Introduction

2. SMR PLAN Process

3. Q & A

4. FREE GIFT

5. Conclusion

6

INTRODUCTION

S M R P L A N . C O M 3

Do you know “If YOU do not have an OUT-OF-DEBT PLAN,

rest assured YOUare under the influence of SOMEONE else’s INTO-DEBT PLAN”? By the end of this webinar >>>

INTO-DEBT PLAN

S M R P L A N . C O M 4

You will discover the PROBLEM of an INTO-DEBT PLAN as illustrated below.

No Particular Original Current Problem

1Tenure

Remaining

2Total

Repayment

3Total

Interest

In addition >>>

298 Months 298 Months 0 Months

RM242,366.38 RM242,366.38 RM0.00

RM103,839.40 RM103,839.40 RM0.00

OUT-OF-DEBT PLAN

S M R P L A N . C O M 5

You will also discover the SOLUTION of an OUT-OF-DEBT PLAN as illustrated below.

Good News >>>

No Particulars MonthsTotal

Payment Interest Principal

1 Bank

2 SMR75

3 Savings

298 RM242,366.38 RM103,839.40 RM138,526.98

74 RM161,747.59 RM23,220.61 RM138,526.98

224 RM80,618.79

75.17% 77.64%

SMR PLAN

S M R P L A N . C O M 6

Is an OUT-OF-DEBT PLAN an INTO-DEBT PLAN

which can help

WORLD Loan

Borrowers

To

GET OUT-OF-DEBT

a SOLUTION for a PROBLEM of

FREE Gift >>>

FREE GIFT

S M R P L A N . C O M 7Ask a Question >>>

1 •Social Network

2 •Sign Up FREE Member

3 •Prepare & SCAN Loan Documents

4 •Upload Loan Documents

5 •FREE SMR PLAN Analysis

Great News! In appreciation to your registration of this WEBINAR, you will be given up to a maximum of THREE (3) FREE SMR PLAN Analysis FREE GIFTS and you can claim it as follows:

Please check your EMAIL to find out How To Claim Your FREE Gifts.

ASK A QUESTION

S M R P L A N . C O M 8

• Should you have anyquestion, please click“Ask a Question” toStart Chat ANYTIMEduring the webinar andwe shall answer eachquestion at the end ofthis Webinar.

• Should we are unable toanswer your question(s)in this Webinar, we willanswer it via Email. <<< Outline

Analysis Application Agreement

PaymentDocuments & Information

SMR Plan

ImplementationAdditional

SMR Plan

In this Case Study, we will show you how SMR PLAN Process helped Loan

Borrower Cut Standard Chartered Bank Malaysia Berhad Existing Instalment

MortgageOne 224 Months (75.17%) & MYR80,618.79 Interest (77.64%).

S M R P L A N . C O M 9

SMR PLAN Process

Let us share with

step by step.

ANALYSIS

Documents

1. Letter of Offer: 14 August 2008, 15 August 2008, 16 August 2008, 9 October 2008

2. Date of First Payment: 30th November 2008

3. Latest Bank Statement as at: 31st December 2013

S M R P L A N . C O M 10

SMR Analysis >>>

SMR ANALYSIS

No Particular Total

AOriginal

Loan Amount

B Tenure

C Number of Instalments Paid

D Number of Instalments Remaining (B – C)

E Outstanding Balance

F Current Base Lending Rate

G Interest Rate

H Monthly Repayment

I Current Loan Tenure

J Number of Instalment Adjusted (I – D)

K Total Repayment (H x I)

L Total Interest (K – E)

RM159,032.95

360 Months

62 Months

298 Months

RM138,526.98

6.60%

BLR – 2.05% 4.55%

RM813.31

298 Months

Extended 0 Months

RM242,366.38

RM103,839.40

S M R P L A N . C O M 11SMR Formulation >>>

SMR FORMULATION

Package Save Time Interest Fee Charge Rental / Cash Return

SMR25 25%

SMR50 50%

SMR75 75%

76Months

150Months

224Months

RM25,959.85

RM51,919.70

RM77,879.55

1%

1.5%

2%

RM1,385.27

RM2,077.90

RM2,770.54

RM813.31

RM60,998.25

RM121,996.50

RM182,181.44

The applicant selected SMR75 package to cut 75% Time & 75% Interest.

S M R P L A N . C O M 12<<< SMR PLAN Process

APPLICATION

Sign Up SMRPlan.com FREE Member

Submit Application

For SMR Plan

Acknowledge Receipt of Application

4th December 2013

14th December 201320th December 2013

S M R P L A N . C O M 13<<< SMR PLAN Process

AGREEMENT

Approval Execution

21st December 2013 26th December 2013

S M R P L A N . C O M 14<<< SMR PLAN Process

PAYMENT

26th December 2013

SMR PLAN Fee

Service Tax

Total

S M R P L A N . C O M 15<<< SMR PLAN Process

DOCUMENTS ANDINFORMATION

Prepared

InquiryReceived

30th December 2013

31st December 2013

11th February 2014

S M R P L A N . C O M 16<<< SMR PLAN Process

SMR PLAN

SMR

ANALYSIS

SMR FORMULATION

SMR

SCHEDULE

SMR IMPLEMENTATION

12th February 2014

S M R P L A N . C O M 17

SMR ANALYSIS

1. PROPERTY Information

2. LENDER Information

3. ORIGINAL Mortgage Information

4. CURRENT Mortgage Information

5. What’s your PROBLEM?

6. What are the ROOT CAUSES of your PROBLEM?

S M R P L A N . C O M 18

1. Property Information

1. Date of Sales & Purchase Agreement: 14-Feb-2001

2. Property: Double Storey Terrace House

3. Housing Scheme: Under Construction Unit

4. Purchase Price: RM208,000.00

5. Down Payment: RM56,000.00

S M R P L A N . C O M 19

2. LENDER Information

1. Banking Institutions: Commercial Bank

2. Lender: Standard Chartered Bank Malaysia Berhad

S M R P L A N . C O M 20

3. Original Mortgage Information

1. Loan Status: Existing Instalment

2. Loan Type: MortgageOne

3. Date of Letter Offer: 15 August 2008

4. Date of Loan Agreement: 13-Nov-2008

5. Standing Instruction / Auto Debit: Yes

S M R P L A N . C O M 21

In-depth Analysis >>>

S M R P L A N . C O M 22

3. Original Mortgage Information

A. Loan Principal

Amount: RM156,000.00

MRTA: RM3,032.95

Legal Fee: RM0.00

Valuation Fee: RM0.00

Others: RM0.00

Total: RM159,032.95

C. Mortgage Type: Adjustable Rates Mortgage

Re

pa

yme

nt

B. Period: 360 Months

D. Basis Year: 365 Days

G. Exact Day: Yes

E. Compounded Interest: Daily

F. Payment Frequency:

Monthly

H. Base Lending Rate: 6.75%

I. Number of Tier: 4

J. Interest Rate:

Tier 1: 12 Months BLR - 1.75% = 5.00%

Tier 2: 12 Months BLR - 1.75% = 5.00%

Tier 3: 36 Months BLR - 1.70% = 5.05%

Tier 4: 300 Months BLR - 2.05% = 4.70%

K. Repayment :

Tier Months Monthly

1 12 RM853.72

2 12 RM853.69

3 36 RM858.32

4 300 RM828.72

L. Loan Disbursement:

First Release: 31 October 2008

Final Release: 05 January 2009

M. 1st Repayment Date: 30 November 2008

N. Total

Repayment:

RM299,764.44

Total Interest

RM140,731.49

Total Principal

RM159,032.95

What about

Current

Mortgage

Analysis? >>>

Year 1: the date of the first

disbursement until

30/11/2009. Year 2:

1/12/2009 until

30/11/2009. Year 3 to

Year 5: 1/12/2010 until

30/11/2013.

Subsequent years:

1/12/2013 and

thereafter.

Interest on the facility (ies)

(other than the overdraft

facility) shall be calculated on

a daily basis and capitalized

monthly. Until commencement

of the instalment repayment,

interest shall be paid monthly

in arrears commencing from

the corresponding date falling

one month after the first

drawndown date.

4. Current Mortgage Information

S M R P L A N . C O M 23What’s your problem? >>>

B. No. of

Installments

Paid:

62 Months

C. Number of Installments Remaining: 298 Months

D. Outstanding Balance: RM138,526.98

E. Current BLR: 6.60%

J. No. of

Installments

Extended

Re

pa

yme

nt

B. Period: 360 Months 0 Months

A. As at: 31 December 2013

F. Number of Tier Remaining: 1

G. Interest Rate: BLR – 2.05% = 4.55%

H. Repayment:

RM813.31

I. Current Loan Tenure:

298 Months

K. Total

Repayment:

RM242,366.38 Total Interest

RM103,839.40

Total Principal

RM138,526.98

Total Repayment Paid:

RM52,805.88

Total Principal Paid:

RM20,505.97

Total Interest Paid:

RM32,299.91

5. What’s your PROBLEM?

S M R P L A N . C O M 24What are the root causes? >>>

No Particular Original Current Problem

1Tenure

Remaining

2Total

Repayment

3Total

Interest

298 Months 298 Months 0 Months

RM242,366.38 RM242,366.38 RM0.00

RM103,839.40 RM103,839.40 RM0.00

6. What are the ROOT CAUSES of your PROBLEM?

S M R P L A N . C O M 25

Current Loan

Tenure

298 Months

&

Total Interest

RM103,839.40

Problem

Root

Causes

Fluctuation

of

BLR

MortgageOne

No Additional

SMR

Schedule

Consolidated

Statement

Fluctuation of BLR

S M R P L A N . C O M 26

6.75%

6.50%

5.95%

5.55%

5.80%

6.05%

6.30%

6.60%

5.50%

5.70%

5.90%

6.10%

6.30%

6.50%

6.70%

2007 2008 2009 2010 2011

Consolidated Statement

S M R P L A N . C O M 27

Loan Account

31 Dec 2013

Outstanding Loan Amount

RM138,526.98

Current Account

15 Jan 2014

Available Credit For Withdrawal

Cash

RM40,855.71

Consolidated Statement

15 Jan 2014

Loan Account Number: xxx-x-xxxxxxx-x

RM Balance

97,641.27

Interest Saved

RM6,478.06

Monthly Installment @

Next Due Date

RM813.03

31 Jan 2014

Interest Rate %

4.5500%

−Total Loan Limit

Available

(redemption

reference) at last

due date:

RM145,005.04

SMR FORMULATION

1. SMR Target

2. SMR Methodology

S M R P L A N . C O M 28

1. SMR Target

S M R P L A N . C O M 29

B. No. of

Installments

Paid:

62 Months

Number of Installments Remaining: 298 Months

J. No. of

Installments

Extended

Re

pa

yme

nt

B. Period: 360 Months 0 Months

Current Loan Tenure: 298 Months

Total Interest

RM103,839.40

Total Principal

RM138,526.98

Package Save Months Interest

SMR75 75% 224 RM77,879.55

How to achieve it? >>>

2. SMR Methodology

S M R P L A N . C O M 30

B. No. of

Installments

Paid:

62 Months

J. No. of

Installments

Extended

Re

pa

yme

nt

B. Period: 360 Months 0 Months

Total Interest

RM103,839.40

Total Principal

RM138,526.98

Package Save Months Interest

SMR75 75% 224 RM77,879.55

Total

Interest

RM25,959.85

Total

Principal

RM138,526.98Save

75% Time

&

75% Interest

With

SMR Schedule

>>>

Number of Installments Remaining: 298 Months

Current Loan Tenure: 298 Months

SMR SCHEDULE

S M R P L A N . C O M 31

SMR SCHEDULE

A SMR Schedule for SMR Implementation with effective from 31st January 2014.

The Applicant is required to CONTROL the SMR Schedule by follow up,

review and feedback at the “Remarks” column.

S M R P L A N . C O M 32

The different between BANK and SMR Schedule.

Graduated Payment Scheme >>>

No Particulars MonthsTotal

Payment Interest Principal

1 Bank

2 SMR75

3 Savings

298 RM242,366.38 RM103,839.40 RM138,526.98

74 RM161,747.59 RM23,220.61 RM138,526.98

224 RM80,618.79

75.17% 77.64%

SMR SCHEDULE

In SMR Schedule, the payments are GRADUATED EVERY MONTH to cut

Standard Chartered Bank Malaysia Berhad Existing Instalment MortgageOne

224 Months (75.17%) & MYR80,618.79 Interest (77.64%).

S M R P L A N . C O M 33How to IMPLEMENT? >>>

-

500.00

1,000.00

1,500.00

2,000.00

2,500.00

3,000.00

3,500.00

1 5 9 13 17 21 25 29 33 37 41 45 49 53 57 61 65 69 73

SMR IMPLEMENTATION

S M R P L A N . C O M 34

Effective31st January

2014

Implementation

The Applicant must promptly pay the exact monthly

instalments repayment amount on the repayment due date

strictly in accordance with the SMR Plan provided by the

Company OR on the following three (3) working days from

the repayment due date (Repayment Time Period”).

The Applicant shall strictly adhere to the Repayment Time

Period irrespective of whether monthly instalment

repayment is made by way of CASH or by CHEQUE to

Loan Account.S M R P L A N . C O M 35More >>>

Implementation

The Outstanding Balance with the Lender shall not

include incidental charges such as insurance

premiums, penalty charges, late payment charges,

monthly administrative charges and legal fees.

S M R P L A N . C O M 36

More >>>

Implementation

This SMR Plan shall automatically be terminated and null and void if

the applicant by own action prematurely terminate the SMR Plan by:

1. disposing off the Property or

2. transferring the Property to any third party or

3. refinancing the existing loan facility or

4. early redeeming the loan facility with Lender or

5. defaulting in the repayment of the monthly instalment loan facility

or

6. engaging in a situation or conduct which shall have the effect

of rendering the Lender to recall or terminate the loan facility.

S M R P L A N . C O M 37How to MONITOR? >>>

Additional SMR Plan

Applicant

Lender

Central Bank

Base

Lending

Rate

Adjusted

Interest

Rate

Lower

Interest

Rate

Variation of Interest Rate (VIR)

Please be informed that in

the situation of Variation of

Interest Rate (“VIR”) due to

changes of

• Base Lending Rate

(“BLR”) and/or

• Adjusted Interest Rate

(“AIR”) by the Lender

and/or

• application for Lower

Interest Rate (“LIR”) by

you,

the Applicant is allowed to apply Additional SMR Plan.

S M R P L A N . C O M 38Q & A >>>

Q & A

S M R P L A N . C O M 39

Ok, now is the Q & A.

• Should you have anyquestions, please click“Ask a Question” toStart Chat NOW and weare going to answereach question NOW.

• Should we are unable toanswer your question(s)in this Webinar, we willanswer it via Email. <<< Outline

FREE GIFT

S M R P L A N . C O M 40

1 •Social Network

2 •Sign Up FREE Member

3 •Prepare & SCAN Loan Documents

4 •Upload Loan Documents

5 •FREE SMR PLAN Analysis

Great News! In appreciation to your registration of this WEBINAR, you will be given up to a maximum of THREE (3) FREE SMR PLAN Analysis FREE GIFTS and you can claim it as follows:

Please check your EMAIL to find out How To Claim Your FREE Gifts.

Conclusion

S M R P L A N . C O M 41

1. Firstly, THANK YOU for joining thisSMR PLAN Case Study Webinar.

2. Secondly, please upload your FREESMR PLAN Analysis LoanDocuments ASAP or latest within 2Weeks, failing which…

3. Thirdly, I will FOLLOW UP you viaemail.

4. Fourthly, this FREE Gift is alsoopened to those who register andjoin REPLAY Webinar.

5. Lastly, hope you enjoy this Webinarand I will END this Webinar NOW!