Scenario 1 Scenario 2 Scenario 2Range borrowed $50,000-99,999 $100,000-$299,999 $300,000 or aboveAmount borrowed per $1,000 1000 1000 1000Handling fee 2% 2% 2%Actual amount drawndown 980 980 980Monthly flat rate 0.15% 0.13% 0.10%No. of installment: 12 12 12Monthly repayment -84.83 -84.63 -84.33Monthly interest rate on net 0.5902% 0.5533% 0.4978%Annual interest rate on net 7.0822% 6.6393% 5.9739%Annual interest rate on gross 3.3064% 2.8675% 2.2079%

Scenario 1Range borrowed $50,000-99,999Amount borrowed per $1,000 1000Handling fee 2%Actual amount drawndown 980Monthly flat rate 0.15%No. of installment: 12Monthly repayment -84.83Monthly interest rate 0.5902%Annual interest rate 3.3064%

Outstanding Principal repaid Interest repaid Total repaid1-Jan-09 -100031-Jan-09 -1000.00 -82.08 -2.76 -84.8328-Feb-09 -917.92 -82.30 -2.53 -84.8331-Mar-09 -835.62 -82.53 -2.30 -84.8330-Apr-09 -753.09 -82.76 -2.08 -84.8331-May-09 -670.33 -82.99 -1.85 -84.8330-Jun-09 -587.34 -83.22 -1.62 -84.8331-Jul-09 -504.13 -83.44 -1.39 -84.8331-Aug-09 -420.68 -83.67 -1.16 -84.8330-Sep-09 -337.01 -83.90 -0.93 -84.8331-Oct-09 -253.10 -84.14 -0.70 -84.8330-Nov-09 -168.97 -84.37 -0.47 -84.8331-Dec-09 -84.60 -84.60 -0.23 -84.83

Outstanding-1000.00

-917.92-835.62-753.09-670.33-587.34-504.13-420.68-337.01-253.10-168.97

-84.600.00