Ben Ng - HomeLoan Business - Mortgage Agency Business

Loan Underwriting & Submission Process UST MANAGEMENT

Why Refinance Your Property?

Economic Downturn – Need Extra Cash

Loan Rates are falling (Lower Interest)

Existing Property Market Value Increase

Interest Savings

Flexi-Home Loan for Property free from Encumbrances

Standby Credit

Business Expansion

Why Join UST Management

Business Ownership Program – Be an your own Entrepreneur

Ready Business – HomeLoan and Business Loan

Outsource Agency for 7 Banks i.e. StanChart, OCBC, RHB, AmBank, UOB, Alliance Bank, Hong Leong Bank

Offers the best commission in the Market e.g. for every RM100K loan amt approved – your comm is RM200 for each RM100K loan

SMS platform that advertise your business for FREE

Advancement to Financial Planning Career that includes Life Insurance (ING) and Corporate Loans for SME Bank (formerly known as Bank Industry)

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

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

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

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

Sell Loan across Industry or any Industry

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

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

All prints like flyers and brochures provided by Banks

Financial Products are easy to explain and understand by customers

Easy to get appointment from Prospects

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%

Letter of Offer (L/O)