Mortgage One

* Note: : 1. A customer can repay both principle and interest more than the stated amount, but not more than 50% of the remaining principle as recorded in the monthly statement. The excess amount can be withdrawn according to the bank's policy 2. The extra repayment will go towards reducing the remaining principle. When withdrawals are made the principle will return proportionately to the amount withdrawn 3. In the case of repayment of over 50% of the remaining principle, the amount which is in excess of 50% of the remaining principle will be deducted from the loan principle permanently 4. When the early payment fills the account until the remaining principle reaches 0, the MortgageOne account is finished. The customer will be notified and the extra payment returned to the customer 5. Interest rate MHR (Minimum Housing Rate) following the bank's announcement on 10 July 2008 = 7.44% per annum 6. Fees and charges are according to the Bank Announcements.

Example of interest calculation: comparison between normal mortgage and MortgageOne

Start with 3,000,000 THB principle, 30-month tenure and the customer pays 5,000 THB extra over the monthly repayment for 171 months.

Note:

• Normal mortgage interest calculates at a fixed 1.99% for one year. Afterwards the interest was calculated at MHR - 0.75% or 6.69% per annum
• MortgageOne interest calculation was calculated at MHR - 2.25% or 5.19% for Year 1-3. Afterwards the interest was calculated at MHR - 0.75% or 6.69% per annum
• Interest rate can change according to the latest Bank Announcements and the displayed numbers are only estimated