DISCLAIMER: This calculation is for illustration purposes only and should not be taken as professional advice to invest in RDB. It should not be used as the sole basis to measure returns in said securities. Terms and conditions of the RDB are governed by the applicable Program Mechanics and Notice of Offering issued for the purpose. Returns displayed assume an interest period of five years and are net of 20% final withholding tax. Investment amount in RDB is for a minimum of USD300 and in integral multiples of USD100. 365-day time deposit rate assumed is 1.125%.