*2.63% p.a. is a flat rate and corresponds to a monthly rest rate of 4.98% p.a. (with effective interest rate of 5.39% p.a. for a loan amount of S$30,000 with a 5 year loan tenure) for our Home Loan customers. For non-OCBC Home Loan customers, a monthly rest rate of 5.38% p.a. which corresponds to a flat rate of 2.86% p.a., applies (with effective interest rate of 6.08% p.a. for a loan amount of S$30,000 with a 5 year loan tenure).