Dbs　

*Package 1*

Year 1 to 2: 1.78% fixed

Year 3 onwards: FHR8 + 1.03% = 1.98%

Fhr 8 refers to 8 months fixed deposit for deposit less than $10k which is currently 0.95%　

- 2 year lock in　

- waiver of penalty due to sale

- min $1m loan

- free conversion after year 2

*Package 2*

Year 1 to 2: 1.82% fixed

Year 3 onwards: FHR8 + 1.03% = 1.98%

- 2 year lock in

- free conversion after year 2

- waiver of penalty due to sale

- min $500k loan　

*Package 3*

Year 1 to 5: 2.00% fixed

Year 6 onwards: FHR8 + 1.05% = 2.00%

- 5 year lock in

- waiver of penalty due to sale　

- min $100k loan　

Thank you　

Regards,　

Xiao Yen