Further Information

Changes to monthly deposits can be made throughout the savings period through the nearest Branch Office (KCS/KLS) with the following provisions:

1. Maximum 1 (one) time per month
2. The latest minimum monthly deposit is the nominal amount of the initial deposit or the first month's deposit.

Partial fund disbursement can be done before the due date through the nearest Branch Office (KCS/KLS) with the following conditions:

1. Can only be done after 12 months (1 year) from the date of opening the TAKA iB Flexi account
2. Maximum 2x per year and 25% of available funds
3. Withdrawal administration fees are subject to the applicable provisions.

Yes, the TAKA iB fund target is an estimate which can be affected by

1. Changes in monthly deposits (if any)
2. Partial withdrawals of funds before maturity (if any).

1. Monthly deposit debits are made according to the date ("DD") selected by the Customer. In general, monthly deposit debits are made 1 (one) time per month.
2. However, there are conditions where debits are made 2 (two) times in the first month if the monthly Deposit Debit Date is set differently from the Account Opening Date. With details:
1. On the account creation date, it is the first month's deposit
2. On the monthly deposit debit date, it is the 2nd month's deposit
3. As for the following months, monthly deposit debits are only made 1 (one) time on each selected debit date.

For example, an account is opened on January 10, 2026, with the monthly deposit debit date selected as the 25th, then

1. on January 10, 2026, a monthly deposit will be debited (read as First Month's Deposit)
2. On January 25, 2026, another monthly deposit will be debited (read as Second Month's Deposit)
3. Every 25th of the following month, a monthly deposit will be debited once (per month).

However, in the case above, the deposit debit date is the 10th, or the "DD" date is the same as the account opening date, then in January 2026 there will only be 1 (one) monthly deposit debit, namely on January 10, 2026.

Specifically for this condition, the monthly deposit debit date will be carried out on

1. Every 31st (if the number of calendar days of the month is 31 days)
2. Every end of the month (if the number of calendar days of the month is less than 31 days).

If the balance is insufficient to debit the monthly deposit, a late monthly deposit administration fee will be charged, which will be debited from the affiliate account.

If in the following months (until the specified deadline) the balance is still insufficient, the TAKA iB Flexi account will be automatically closed, and the accumulated TAKA iB Flexi balance will be automatically returned and deducted from the admin fee for closing the account before maturity.