Interest will be calculated on a monthly rest method, whereby you only pay interest only on your remaining loan amount.

For applicants with an annual income of S$20,000 - S$29,999
Applied interest rate	19.8% p.a. (EIR as reflected below)
Processing Fee	$100
Late Payment Fee	S$60
Restructuring Fee	3% of outstanding loan amount

For a loan of S$4,500, the Effective Interest Rate (which comprises the applied interest rate and Processing Fee) will be 27.0% p.a. (for one year), 24.5% p.a. (for two years), 23.7% p.a. (for three years), 23.3% p.a. (for four years), and 23.0% p.a. (for five years).

For Annual Income of S$20,000 to S$29,999, please note that with effect from 05 March 2012, the Late Payment Fee will be revised to S$80.

For applicants with an annual income of S$30,000 or more
Applied interest rate	15% p.a. (EIR as reflected below)
Processing Fee	$100
Late Payment Fee	S$60
Restructuring Fee	3% of outstanding loan amount

For a loan of S$10,000, the Effective Interest Rate (which comprises the applied interest rate and Processing Fee) will be 18.3% p.a. (for one year), 17.3% p.a. (for two years), 16.9% p.a. (for three years), 16.7% p.a. (for four years), and 16.6% p.a. (for five years).

For Annual Income of S$30,000 and above, please note that with effect from 05 March 2012, the Processing Fee shall be revised to S$180, and the Late Payment Fee will be revised to S$80.

^~Same-day approval is available at OCBC Branches from Monday – Friday only. This is subject to submission of all mandatory documents as listed above. Please allow up to three working days after loan approval for the funds to be disbursed to your designated OCBC account. +For customers with an annual income of (i) S$20,000 – S$29,999, (ii) S$30,000 – S$119,999 or (iii) S$120,000 and above, the approved loan amount will be up to two times, four times or six times their monthly income respectively, as long as they do not have other unsecured credit facilities with OCBC Bank. Interest on the loan amount is calculated based on a monthly rest method. *Offer ends 29 February 2012 (the "Promotion Period"). The Samsung C170 mobile phone will be given out during the Promotion Period to all new ExtraCash Loan customer whose ExtraCash Loan account is approved within the Promotion Period (the "Successful Customers"). One gift per customer and this offer is valid while stocks last. The eligibility of each customer to receive a gift shall be determined at the absolute discretion of OCBC Bank. A redemption letter will be sent to each Successful Customers at his/her mailing address stated in the ExtraCash Loan Application Form within 2 months from the date of approval of the opening of each such customer’s ExtraCash Loan account. The gift is not exchangeable for cash or other items. OCBC Bank reserves the right at is sole and absolute discretion to replace any gift with any item(s) of similar value. OCBC shall not be responsible for the quality, merchantability or the fitness for any purpose or any other aspect of any gift. Notwithstanding anything herein, OCBC Bank shall not at any time be responsible or held liable for any defect or malfunction in any gift and/or for any loss, injury, damage or harm suffered or incurred by or in connection with the use of any gift by any person. OCBC Bank reserves the right to waive/vary/amend any of these terms and conditions without prior notice. The decision of OCBC Bank on all matters related to this offer shall be final and binding.