AEON Rohas 1.1.1

This application represents the first fully online platform enabling customers to directly access products and services offered by AEON Specialized Bank (Cambodia) Plc, providing a faster and more convenient experience accessible anytime and anywhere. Customers can easily apply for cash loans and other installment plans through this digital solution.

Essential information is provided below:

• Loan terms range from a minimum of 6 months to a maximum of 48 months.
• Annual Percentage Rate (APR) varies between 32% and 35%.
• A one-time upfront loan fee of USD 3 applies; both interest and fees are non-compounding.

As an illustrative example, consider a 6-month loan with a principal amount of USD 600, including the upfront fee. The total repayment amount would be USD 655.25, excluding applicable taxes. The following table demonstrates an approximate monthly repayment schedule:

• Month 1 (25 days after disbursement): USD 95.68 (Principal) + USD 13.32 (Interest) = USD 109
• Month 2 (31 days from Month 1): USD 95.12 (Principal) + USD 13.88 (Interest) = USD 109
• Month 3 (30 days from Month 2): USD 98.10 (Principal) + USD 10.90 (Interest) = USD 109
• Month 4 (31 days from Month 3): USD 100.43 (Principal) + USD 8.57 (Interest) = USD 109
• Month 5 (30 days from Month 4): USD 103.38 (Principal) + USD 5.62 (Interest) = USD 109
• Month 6 (31 days from Month 5): USD 107.29 (Principal) + USD 2.96 (Interest) = USD 110.25

The fee structure includes only the one-time fee of USD 3, with interest calculated based on the outstanding principal each month.