EARLY REPAYMENT. The Borrower may make early repayment by repaying the entire outstanding principal amount (in whole but not in part) of the Loan (including any arrears), all accrued interest up to next repayment date together with all fees and charges due under the Loan. The amount payable and the apportionment between interests and principals of the monthly repayment (including those already paid to the Bank) shall be calculated in accordance with the Rule of 78 (or other means as considered appropriate by the Bank). The Loan may not be terminated or cancelled by the Borrower once it is confirmed, whether or not the Loan has been disbursed to the Borrower, without the approval of the Bank. Any request for termination or cancellation by the Borrower after the Loan is confirmed, it shall be regarded as a request for early repayment of the Loan.
