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<td style="padding-bottom: 10px; padding-left: 10px; padding-right: 0px; padding-top: 10px" bgcolor="#ffffff" colspan="2"><font style="color: #000; font-size: 11px" face="Arial, Helvetica, sans-serif">If you have trouble reading this email, <a style="color: #ec8200" target="_blank" href="http://www.wavemailengine.com/em_admin/link.php?URL=aHR0cDovL3d3dy53YXZlbWFpbGVuZ2luZS5jb20vdXBsb2Fkcy9pbmcvaW5nbmV3cy5odG1s&Name=&EncryptedMemberID=MTM4MjUxNTk5Mg%3D%3D&CampaignID=125&CampaignStatisticsID=104&Demo=0&Email=aW5uLWJ1Z3NAaXNjLm9yZw==">view it in your browser.</a></font></td>
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<td style="padding-bottom: 10px; padding-left: 28px; padding-right: 28px; padding-top: 15px" bgcolor="#ffffff" height="22" colspan="2"><font style="color: #ec8200; font-size: 40px" class="justify" face="Arial, Helvetica, sans-serif"><strong>Don't Gamble With<br />
One of Your Largest Investments</strong></font></td>
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<p><font style="color: #000; font-size: 14px" class="justify" face="Arial, Helvetica, sans-serif">Recent events show that the Base Lending Rate (BLR) does not stay constant. In fact it has risen unexpectedly 3 times since March 2010 alone.</font></p>
<p><font style="color: #000; font-size: 14px" class="justify" face="Arial, Helvetica, sans-serif">Economists expect the <b>overnight policy rate (OPR)</b>to increase by another 50- 75 basis points in the third quarter of 2011 </font></p>
<p><font style="color: #000; font-size: 14px; font-weight: bold" class="justify" face="Arial, Helvetica, sans-serif"><a style="color: #000; text-decoration: underline" target="_blank" href="http://www.wavemailengine.com/em_admin/link.php?URL=aHR0cDovL2Jpei50aGVzdGFyLmNvbS5teS9uZXdzL3N0b3J5LmFzcD9maWxlPS8yMDExLzMvMjgvYnVzaW5lc3MvODM1MDQwMSZzZWM9YnVzaW5lc3MjMTMwMTI3ODgxMzc5NjEmaWZfaGVpZ2h0PTYyOA==&Name=&EncryptedMemberID=MTM4MjUxNTk5Mg%3D%3D&CampaignID=125&CampaignStatisticsID=104&Demo=0&Email=aW5uLWJ1Z3NAaXNjLm9yZw==">Heightened inflation putting pressure on rates </a></font></p>
<p><font style="color: #000; font-size: 14px; font-weight: bold" class="justify" face="Arial, Helvetica, sans-serif"><a style="color: #000; text-decoration: underline" target="_blank" href="http://www.wavemailengine.com/em_admin/link.php?URL=aHR0cDovL2Jpei50aGVzdGFyLmNvbS5teS9uZXdzL3N0b3J5LmFzcD9maWxlPSUyRjIwMTElMkYzJTJGMjYlMkZidXNpbmVzcyUyRjgzNTIxMzImc2VjPWJ1c2luZXNzIzEzMDExNTc5NDcxNzExJmlmX2hlaWdodD02MDY=&Name=&EncryptedMemberID=MTM4MjUxNTk5Mg%3D%3D&CampaignID=125&CampaignStatisticsID=104&Demo=0&Email=aW5uLWJ1Z3NAaXNjLm9yZw==">Which home loan to opt for?</a></font></p>
<p><font style="color: #000; font-size: 14px; font-weight: bold" class="justify" face="Arial, Helvetica, sans-serif"><a style="color: #000; text-decoration: underline" target="_blank" href="http://www.wavemailengine.com/em_admin/link.php?URL=aHR0cDovL2Jpei50aGVzdGFyLmNvbS5teS9uZXdzL3N0b3J5LmFzcD9maWxlPS8yMDExLzQvMi9idXNpbmVzcy84Mzk5NjcyJnNlYz1idXNpbmVzcyMxMzAxOTc1NzY1NDg0MSZpZl9oZWlnaHQ9ODQ0&Name=&EncryptedMemberID=MTM4MjUxNTk5Mg%3D%3D&CampaignID=125&CampaignStatisticsID=104&Demo=0&Email=aW5uLWJ1Z3NAaXNjLm9yZw==">Analysts: It is a matter of time for rates to be raised!</a></font></p>
<p><font style="color: #000; font-size: 14px" class="justify" face="Arial, Helvetica, sans-serif"><strong>ING Fixed Rate Home</strong> Loan offers the <strong>LOWEST EVER </strong>fixed interest rate in town, <strong>PEACE OF MIND </strong>without the worry of rising interest rates, and <strong>CERTAINTY</strong> of a fixed monthly repayment amount for up to 30 years.</font></p>
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<td width="50%"><img alt="4.85% Fixed Rate" width="297" height="292" src="http://www.wavemailengine.com/uploads/ing/images/pic_03.jpg" /></td>
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<p><font style="color: #000; font-size: 14px" class="justify" face="Arial, Helvetica, sans-serif">Enjoy easier financial solutions with an <b>ING Home Loan</b>, fixed at <b>4.85%*</b> p.a. for life. </font></p>
<p><font style="color: #000; font-size: 14px" class="justify" face="Arial, Helvetica, sans-serif">Pay more whenever you want to and notice not required. Save more on daily rest interest payment. No penalty for early settlement (excluding refinancing). No risks, no worries about rising interest rates. Monthly installment payment fixed throughout loan's tenure. </font></p>
<p><font style="color: #000; font-size: 14px" class="justify" face="Arial, Helvetica, sans-serif">Own the <b>dream home</b> you've always wanted with our <b>hassle-free</b> fixed rate home loan. You get up to <b>90%</b> financing at an interest rate of only <b>4.85%</b> per annum. Come take advantage of this historical low rate from <b>ING.</b></font></p>
<p><font style="color: #ec8200; font-size: 16px; font-weight: bold" class="justify" face="Arial, Helvetica, sans-serif">Choose ING Fixed Rate Home Loan Because Your Future Is Not Something To Gamble With.</font></p>
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<td align="right"><font style="font-style: italic; color: #000; font-size: 11px" class="justify" face="Arial, Helvetica, sans-serif">All the above are subject to Terms @ Conditions.</font></td>
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<td bgcolor="#dedede" height="229" width="440"><img alt="4.85% p.a. Non-Zero Entry Cost (non ZEC), 5.25% p.a. Zero Entry Cost (ZEC)" width="442" height="226" src="http://www.wavemailengine.com/uploads/ing/images/ing_07.gif" /></td>
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<td height="68" colspan="3"><font style="color: #000; font-size: 33px" class="justify" face="Arial, Helvetica, sans-serif"><strong>Don't Wait!</strong></font> <font style="color: #000; font-size: 20px" class="justify" face="Arial, Helvetica, sans-serif">Call Us</font></td>
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<td bgcolor="#ffffff" width="50%" align="center"><font style="color: #333; font-size: 12px" class="justify" face="Arial, Helvetica, sans-serif">012-318 0153 <br />
(MR VICTOR)</font></td>
<td bgcolor="#ffffff" width="50%" align="center"><font style="color: #333; font-size: 12px" class="justify" face="Arial, Helvetica, sans-serif">012-298 4369<br />
(CIK JURIPAH)</font></td>
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<td bgcolor="#ffffff" align="center"><font style="color: #333; font-size: 12px" class="justify" face="Arial, Helvetica, sans-serif">012-372 3386<br />
(MS TAN)</font></td>
<td bgcolor="#ffffff" align="center"><font style="color: #333; font-size: 12px" class="justify" face="Arial, Helvetica, sans-serif">012-2319518<br />
(MS VIJAYA)</font></td>
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