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*Loan calculator is for reference only, the actual repayment liability depends on the actual terms of each "Policy Pledge Loan" (Term Loan) borrowing arrangement. The final approved loan amount and interest rate may subject to the Bank’s final decision based on the credit rating of the individual customer and other relevant factors on a case-by-case basis.

^Actual interest on the Facilities will accrue from day to day and be calculated on the basis of actual number of days elapsed, and the monthly interest is calculated by assuming each month has 30 days and the used Loan Amount remains unchanged.

To borrow or not to borrow? Borrow only if you can repay!