DISCLOSURE STATEMENT ON LOAN/CREDIT TRANSACTION

(As required under R.A. 3765, Truth in Lending Act)

NAME OF BORROWER: CUYOS, ARNOLD EMAN

ADDRESS: 65C San Agustin St. Quezon City Philippines 1117
1. LOAN AMOUNT PHP 30,000.00

2. OTHER BANK CHARGES/DEDUCTIONS COLLECTED

a . Documentary Stamp Tax PHP 225.00
b. Disbursement Fee PHP 0.00

3. NET PROCEEDS OF LOAN PHP 29,775.00

4. SCHEDULE OF PAYMENTS & INSTALLMENT DETAILS

a . Amount of Installment PHP 1,771.42
Monthly
b. Frequency (the 1st day of every month)
c. Tenure (Months) 24 months
d. Commencement of 1st Installment May 01 2023

Please see attached amortization schedule below

5. EFFECTIVE INTEREST RATE (Interest and Other Charges)

a . Contractual Interest Rate 36.00%
b. Effective Interest Rate 42.91%

The Effective Interest Rate is higher than the Contractual Interest Rate of 36.00%
because of item 2 above. Detailed explanation for interest rate calculation is available in the Terms and Conditions

6. CONDITIONAL CHARGES THAT MAY BE IMPOSED

5% of the unpaid installment due or
a . Default Interest Rate / Late Charge PHP 300 a month
3% of the unbilled amount or a minimum
b. Prepayment / Early Repayment Charge of PHP 300, whichever higher

The monthly installment is due on 1st day of every month. The Fixed Interest Rate above is calculated on a daily balance basis and is
capitalized at the end of each calendar month, is subject to change. The above Installment Amount is subject to change, pursuant to
any variation of the Fixed Interest Rate and/or amendments to the terms and conditions of the Facility.

Please note that this Facility is disbursed to you on the basis of your confirmation that you have read the Privacy Notice issued by
CIMB Bank Philippines, Inc., the Product Disclosure Sheets and the CIMB Bank’s Terms and Conditions of Term Loan given to you
during the application and/or which are set out in the Bank’s website at www.cimbbank.com.ph and that you have confirmed your
agreement to our Privacy Notice, understanding of the Product Disclosure Sheets and agreed to be bound by the terms and
conditions governing the Facility.
Thank you for banking with CIMB Bank Philippines, Inc.

Tel: #CIMB (#2642) or +632 249 9000 if you are not in the Philippines
www.cimbbank.com.ph
This is a computer-generated notice and does not require any signature.

CIMB Bank Philippines, Inc.

28th Floor, ORE Central Tower, 9th Avenue corner 31st Street, Bonifacio Global City, Taguig City, Philippines 1634
www.cimbbank.com.ph
 AMORTIZATION SCHEDULE

Loan Amount PHP 30,000.00

Monthly Installment PHP 1,771.42
Contractual Rate (Monthly) 3.00%
Other Charges PHP 225.00
No. of Monthly Installment 24 months

Installment Approved Loan Principal Interest Charges/Fees Total O/S Balance

(A) (B) (C) (D) (E) (F) (G)
PHP 30,000.00 PHP 30,000.00
0 PHP 225.00 PHP 29,775.00 PHP 30,000.00
1 1,201.42 570.00 1,771.42 28,798.58
2 878.66 892.76 1,771.42 27,919.92
3 933.82 837.60 1,771.42 26,986.10
4 934.85 836.57 1,771.42 26,051.25
5 963.83 807.59 1,771.42 25,087.42
6 1,018.80 752.62 1,771.42 24,068.62
7 1,025.29 746.13 1,771.42 23,043.33
8 1,080.12 691.30 1,771.42 21,963.21
9 1,090.56 680.86 1,771.42 20,872.65
10 1,124.37 647.05 1,771.42 19,748.28
11 1,198.72 572.70 1,771.42 18,549.56
12 1,196.38 575.04 1,771.42 17,353.18
13 1,250.82 520.60 1,771.42 16,102.36
14 1,272.25 499.17 1,771.42 14,830.11
15 1,326.52 444.90 1,771.42 13,503.59
16 1,352.81 418.61 1,771.42 12,150.78
17 1,394.75 376.67 1,771.42 10,756.03
18 1,448.74 322.68 1,771.42 9,307.29
19 1,482.89 288.53 1,771.42 7,824.40
20 1,536.69 234.73 1,771.42 6,287.71
21 1,576.50 194.92 1,771.42 4,711.21
22 1,625.37 146.05 1,771.42 3,085.84
23 1,685.02 86.40 1,771.42 1,400.82
24 1,400.82 43.43 1,444.25 0.00
PHP
Total PHP 30,000.00 PHP 225.00
12,186.91

Legends
A – Number of installment periods based on loan term
B – Gross amount of loan
C – Installment payment on the principal
D – Installment payment on the interest
E – Additional charges and fees
F – Total amortization payment for the installment period
G – Outstanding principal balance of the loan

CIMB Bank Philippines, Inc.

28th Floor, ORE Central Tower, 9th Avenue corner 31st Street, Bonifacio Global City, Taguig City, Philippines 1634
www.cimbbank.com.ph