Assumption

Principal	AUD 100,000.00
Base Currency	AUD
Alternate Currency	USD
Transaction Date	1 September 2020
Value Date	3 September 2020
Fixing Date	1 December 2020
Maturity Date	3 December 2020
Observation Period	1 September 2020 - 1 December 2020
Tenor	3 months
Spot Rate	0,7526
Strike Rate	0,7530
Knock-Out Rate	0,7680
Knock-In Rate	0,7230
Payout Rate	1,36% p.a.
Premium	0,40% flat

Scenario 1 - KO Level Hit on 28 October 2020

On Value Date, Customer will get:
- Premium = Premium * Principal = 0.40% * AUD 100,000.00 = AUD 400
On 30 October 2020, Customer will receive AUD 100,169.90 Net with details as follow:
- Principal = AUD 100,000.00
- Payout = Principal * Payout Rate * Day Count/365 = AUD 100,000.00 * 1.36% * 57 / 365 = AUD 212.38 Gross = AUD 169.90 Net

Scenario 2 - Knock-Out & Knock-In Level never hit during observation period

On Value Date, Customer will get:
- Premium = Premium * Principal = 0.40% * AUD 100,000.00 = AUD 400
On Maturity Date, Customer will receive AUD 100,271.26 Net with details as follow:
- Principal = AUD 100,000.00
- Payout = Principal * Payout Rate * Day Count/365 = AUD 100,000.00 * 1.36% * 91 / 365 = AUD 339.07 Gross = AUD 271.26 Net

Scenario 3 - Knock-In Level Hit on before Fixing Date and on Fixing Date 13.00 WIB Spot Rate hit or above Strike Rate

On Value Date, Customer will get:
- Premium = Premium * Principal = 0.40% * AUD 100,000.00 = AUD 400
On Maturity Date, Customer will receive principal in alternate currency amounting USD 75,300 and payout in base currency amounting AUD 271.26 Net with details as follow:
- Principal = Principal * Strike Rate = AUD 100,000.00 * 0.7530 = USD 75.300
- Payout = Principal * Payout Rate * Day Count/365 = AUD 100,000.00 * 1.36% * 91 / 365 = AUD 339.07 Gross = AUD 271.26 Net

Scenario 4 - Knock-In Level Hit on before Fixing Date and on Fixing Date 13.00 WIB Spot Rate below Strike Rate

On Value Date, Customer will get:
- Premium = Premium * Principal = 0.40% * AUD 100,000.00 = AUD 400
On Maturity Date, Customer will receive AUD 100,271.26 Net with details as follow:
- Principal = AUD 100,000.00
- Payout = Principal * Payout Rate * Day Count/365 = AUD 100,000.00 * 1.36% * 91 / 365 = AUD 339.07 Gross = AUD 271.26 Net

Scenario 5 - Worst Scenario

If the Customer requests for an early withdrawal of the CLI KIKO in accordance with the early withdrawal requirements and the Bank agrees to the Customer's request, the Customer will receive an early withdrawal amount determined by the Bank. Such early withdrawal amount will usually be substantially less than 100% of the Principal Amount and in the worst-case scenario, such early withdrawal amount is zero. The Customer will not receive any quarterly payout following such early withdrawal.

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