PRODUCT DISCLOSURE SHEET

(Read this Product Disclosure Sheet before you decide to take out the Mortgage of Product. Be sure to also read the general terms and conditions.)Product: Mortgage LoanDate: ______________1. What is this product about?This mortgage loan is calculated on a variable/fixed rate basis and you are offering your property as a security for this loan.

2. What do I get from this product?Example: Total amount borrowed : RM _______ Margin of Financing : __________% Tenure : _______ years

Interest rate :

Year 1-_____: _______% (applicable for Fixed rate only)Thereafter: BLR +_______%

Base lending rate: _______%

3. What are my obligations?

(Based on loan simulation) Monthly instalment: RM______ The total amount including the amount borrowed is: RM _____________Note: Total repayment amount may vary if BLR changes.4. What are the fees and charges I have to pay?

i. Stamp Duties

As per the Stamp Duty Act 1949 (Revised 1989) RM5 for every RM1,000ii. Disbursement Fees

Include fees for registration of charge, land search and bankruptcy search.

iii. Processing FeeAs per ABM Guideline (Processing fees RM50 to RM200 depending on loan amount)

iv. Request Letter of EPF Withdrawal

RM 10 per requestv. Monthly Maintenance Fee

RM 5.00 (applicable for MaxiHome/MaxiShop FlexiOD only)vi. Commitment FeeAs per ABM Guideline (1% based on unutilized portion for OD limit for OD >RM250,000)5. What if fail to fulfil my obligations? Late payment penalty : 1% p.a on the amount in arrears6. What if I fully settle the loan before its maturity?(Based on the package offered) Lock-in period: ______ years

Early settlement penalty: _______% on the settlement amount

7. Do I need any insurance / takaful coverage? Mortgage reducing term assurance (MRTA) / mortgage reducing term takaful (MRTT) coverage is recommended to be taken from our panel insurer.

Fire insurance coverage is required to be taken from our panel insurer.8. Do I need any guarantor?

On case to case depending on Margin of Repayment.9. Can I engage my own lawyer who is not listed in the Banks panel lawyer directory?

On case to case subject to banks approval.10. Will my information be disclosed to third party?

Please refer para G (DISCLOSURE) of the loan application.

11. What are the major risks?For loans with initial fixed interest rates, the rate on this loan would be fixed only for the first _____ years. For the subsequent years, when the interest rate reverts to variable rate, please be advised that the effective rate will change according to changes to the reference rates (eg Base Lending Rate). An increase in the effective rate may result in higher monthly repayments. 12. What do I need to do if there are changes to my contact details?

It is important that you inform us of change in your contact details to ensure that all correspondences reach you in a timely manner. To update your contact details, you may reach us via one of the channels:

Tel:

Fax:

Email:13. Where can I get further information?

Should you require additional information about taking a housing loan, please refer to the bankinginfo booklet on Housing Loans, available at all our branches and the www.bankinginfo.com.my website.If you have any enquiries, please contact us at:

Maybank Berhad

Address:

Tel:

Fax:

E-Mail:

14. Other consumer loan packages available

Personal Financing, Hire Purchase, Credit Cards, Will Writing, Deposit productsIMPORTANT NOTE: YOUR PROPERTY MAY BE FORECLOSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE LOAN.The information provided in this disclosure sheet is valid as at or until __________.Note:

Sales Personal is required to fill up this form upon attending the loan application.