Personal Financing

Monthly Payment Schedule Excluding Takaful Contribution

Financing Amount*	2 Years	3 Years	4 Years	5 Years
RM 6,000	RM 310	RM 227	RM 185	RM 160
RM 10,000	RM 517	RM 378	RM 309	RM 267
RM 20,000	RM 1,017	RM 739	RM 600	RM 517
RM 30,000	RM 1,525	RM 1,109	RM 900	RM 775
RM 40,000	RM 2,034	RM 1,478	RM 1,200	RM 1,034
RM 50,000	RM 2,500	RM 1,806	RM 1,459	RM 1,250
RM 60,000	RM 3,000	RM 2,167	RM 1,750	RM 1,500
RM 70,000	RM 3,500	RM 2,528	RM 2,042	RM 1,750
RM 80,000	RM 4,000	RM 2,889	RM 2,334	RM 2,000
RM 90,000	RM 4,500	RM 3,250	RM 2,625	RM 2,250
RM 100,000	RM 5,000	RM 3,612	RM 2,917	RM 2,500

Monthly Payment Schedule Including Takaful Contribution

Financing Amount*	2 Years	3 Years	4 Years	5 Years
RM 6,000	RM 320	RM 234	RM 191	RM 165
RM 10,000	RM 526	RM 385	RM 314	RM 272
RM 20,000	RM 1,026	RM 746	RM 606	RM 522
RM 30,000	RM 1,534	RM 1,116	RM 907	RM 781
RM 40,000	RM 2,045	RM 1,487	RM 1,209	RM 1,042
RM 50,000	RM 2,514	RM 1,817	RM 1,469	RM 1,260
RM 60,000	RM 3,017	RM 2,180	RM 1,762	RM 1,512
RM 70,000	RM 3,519	RM 2,544	RM 2,056	RM 1,764
RM 80,000	RM 4,022	RM 2,907	RM 2,350	RM 2,016
RM 90,000	RM 4,525	RM 3,270	RM 2,643	RM 2,268
RM 100,000	RM 5,028	RM 3,634	RM 2,937	RM 2,520

*Figures are rounded up to the closest RM. The monthly Payment Amount with Takaful is subject to the age of the Covered Participant and may differ from the above figures. The age used in the illustration above is for customers within the range of 20-35 years.

Flat Rate Per Annum

Financing Amount**	Fixed Flat Rate Per Annum***
RM 6,000 - RM 19,500	12%
RM 20,000 - RM 49,500	11%
RM 50,000 - RM 100,000	10%

** For the purpose of determining the flat rate per annum applicable to the Financing Amount, the computation of the Financing Amount will exclude the Takaful Contribution.

*** Rates offered are effective from 22 December 2008 and are subject to change from time to time and is granted at the absolute discretion of the Bank