1. Apply for a GE Money Bank Home Loan, and avail of its first year fixing promo rate of 7.49% per annum plus FREE Home Loan product-related fees as follows:
   • Application Fee
   • Appraisal Fee (refundable only for approved and availed home loan applications)
   • Applicable Mortgage Registration Fee
   • Applicable Documentary Stamp Tax
   • Applicable Notarial Fee
2. Promo period is from July 1, 2008 to September 30, 2008.
3. The home loan should be applied within the promo period, subsequently approved, and availed no later than November 30, 2008 to qualify for the promo.
4. The promo is open for the following home loan purposes:
   • Purchase of a residential lot
   • Purchase of a house and lot
   • Purchase of a townhouse
   • Purchase of a condominium unit
   • Construction of a house
   • Renovation, improvement, or expansion of a house
   • Refinancing of an existing home loan
   • Reimbursement of a home loan acquisition cost
   • Home Equity Loan*
5. The loan amount should be at least P1,000,000.00 in order to qualify for the promo.
6. Minimum loan tenor of 10 years and maximum of 20 years (10 years for lot only).
7. All pre-payments will be subject to a P5,000.00 processing fee. If client pre-pays 30% or more of the outstanding loan amount on or before the 3rd year, he/she will be required to pay the full amount of availed home loan product-related fees.
8. Prevailing Bank rate at the time of repricing (after one year promo rate) shall be applied.
9. All employees of GE Money Bank EXCEPT officers are eligible to join as long as the loan SHALL NOT fall under the employee’s financial plan.
10. These terms and conditions are subject to any relevant law, government direction and regulation. The promotion will be void where prohibited or restricted by law.