APPENDIX 1

Payment Illustration (ASB)

Financing amount $50,331

Effective Profit Rate (EPR) 3.55%
Ceiling Profit Rate (CPR) 10.75%
Tenure (Year) 40
Tenure (Month) 480
Monthly Instalment (EPR) $196.49

Ceiling
Effective Profit Principal Outstanding
Payment Instalment Instalment Profit Outstanding Unearned
No Profit Payment Payment Bank's
Date EPR CPR Rate Principal Profit
Rate EPR EPR Selling Price
(CPR)

0 - - - 3.55% 10.75% - - $219,460.80 $50,331.00 $169,129.80

1 4/7/2021 $196.49 $457.21 3.55% 10.75% $148.90 $47.59 $219,264.31 $50,283.41 $168,980.90

2 4/8/2021 $196.49 $457.21 3.55% 10.75% $148.76 $47.73 $219,067.82 $50,235.67 $168,832.15

3 4/9/2021 $196.49 $457.21 3.55% 10.75% $148.61 $47.88 $218,871.33 $50,187.79 $168,683.54

4 4/10/2021 $196.49 $457.21 3.55% 10.75% $148.47 $48.02 $218,674.84 $50,139.78 $168,535.06

5 4/11/2021 $196.49 $457.21 3.55% 10.75% $148.33 $48.16 $218,478.35 $50,091.62 $168,386.73

6 4/12/2021 $196.49 $457.21 3.55% 10.75% $148.19 $48.30 $218,281.86 $50,043.31 $168,238.55

7 4/1/2022 $196.49 $457.21 3.55% 10.75% $148.04 $48.45 $218,085.37 $49,994.87 $168,090.50

8 4/2/2022 $196.49 $457.21 3.55% 10.75% $147.90 $48.59 $217,888.88 $49,946.28 $167,942.60

9 4/3/2022 $196.49 $457.21 3.55% 10.75% $147.76 $48.73 $217,692.39 $49,897.55 $167,794.84

10 4/4/2022 $196.49 $457.21 3.55% 10.75% $147.61 $48.88 $217,495.90 $49,848.67 $167,647.23

11 4/5/2022 $196.49 $457.21 3.55% 10.75% $147.47 $49.02 $217,299.41 $49,799.65 $167,499.76

12 4/6/2022 $196.49 $457.21 3.55% 10.75% $147.32 $49.17 $217,102.92 $49,750.49 $167,352.43

Note:
This schedule indicates the payment of instalment by customer. The dates and values illustrated above may change according to a number of
variables such as promptness of payments by customer, rounding adjustment, progressive financing, prepayments, differing disbursement amount
and the daily difference between Effective Profit Rate (EPR) and the Ceiling Profit Rate (CPR)

Rebate (Ibra') will be granted upon early settlement/ settlement before end of financing tenure. Please refer to "Unearned Profit " column for
rebated amount before deduction of the early settlement charges (if any), assuming settlement is done on the respective date