Provisional Disclosure

This adjustment is calculated using monthly anniversary parameters. Usage is measured by the number of full monthly cycles that have passed from the Effective Date to the Cessation Date.

Calculation Formula: (Principal Amount ÷ Commitment Term) × Remaining Unused Months

Note: This estimate is based on a mathematical model. The final amount may vary depending on internal policies related to partial-month calculations, calendar differences, or daily prorated amortization.