Advice to Sender using US Bank Internet Banking Service

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1 The following are web pages from Bangkok Bank that provide information on using the Automated Clearing House (ACH) system in the USA to transfer funds to a Bangkok Bank Account in Thailand. We have found that these pages are not easy to locate on Bangkok Bank s website - if you wish to visit the page, click on the link. unds/pages/receiving%20funds%20from%20usa.aspx Advice to Sender using US Bank Internet Banking Service If you have a US bank account, you can conveniently transfer funds to the receiver's Bangkok Bank account in Thailand via the internet using the US ACH system and the 9-digit routing number of Bangkok Bank's New York branch. Fees are lower than for most other international wire transfer services in the US payment system. You can make transfers directly online via the internet banking service provided by your own bank in the US. The recipient will get a better conversion rate for their funds because the USD amount will be converted to Thai Baht at the daily Bangkok Bank exchange rate in Thailand. Funds will be received in Thailand within two business days after our New York branch receives the money transfer from your US bank account. You can check your inwards funds transfer via Bualuang ibanking for personal accounts, Biz ibanking for business accounts, or Bualuang Phone 1333 or (66) How to use the service 1. You can initiate the transaction via the internet banking service linked to your US bank account. In general, the process to complete this is as follows: - Go to the Domestic Interbank Transfer menu - Go to the Inter Institution Transfers option - Select Bangkok Bank's New York branch as the recipient bank - Enter the 9-digit routing number of Bangkok Bank's New York branch as Enter the bank name as Bangkok Bank, New York branch - Enter the 10-digit account number of the recipient with an account at Bangkok Bank in Thailand - Enter the name of the recipient account in Thailand, if required. In case you want to transfer funds into a third party account, you must use the internet banking service of banks in the United States which allow the remitter to specify the beneficiary s name. Otherwise, the payment instruction Bangkok Bank receives may not carry the correct beneficiary name and Bangkok Bank will have to return funds to the remitter.

2 You should check with your US bank for the correct transfer menu for ACH payment. The terms and conditions of internet banking services may vary between banks. You should read all related terms and conditions of your account carefully before initiating any transaction. Bangkok Bank is not involved in the provision of internet banking services by banks in the US. 2. After the registration process, the US bank will initiate two trial deposits by sending small amounts of less than USD 1.00 to the recipient s bank account in Thailand. This is to verify that the recipient account is valid. The bank in the US will send an asking the recipient to check and confirm the trial deposit amounts. The sending of trial deposit amounts depends upon the terms and conditions of the originating banks in the US and may vary from bank to bank. Bangkok Bank will be able to credit the recipient s account in Thailand only when the name and account number of the recipient in the transfer instruction matches the name and account number at Bangkok Bank. You will then need to ask the recipient in Thailand to check the exact amount of the two trial deposits. The recipient can do this by calling Bualuang Phone on 1333 or (66) Using the information provided by the recipient, you will be asked by the bank in the US to confirm the exact amount of the trial deposits. If this is correctly confirmed by you, the funds transfer can be made. If you live in the US and want to transfer funds to your Bangkok Bank account in Thailand, you should advise Bangkok Bank of your contact address, telephone number and full street address in the US by sending an to: investigation.pmt@bbl.co.th. This will allow Bangkok Bank to contact you for more information if an incomplete payment instruction is received. unds/pages/receiving%20funds%20from%20usa.aspx Funds Transfer from USA to Thailand Convenient and safe via US ACH system and Bangkok Bank's New York Branch Holders of US bank accounts can save on fees for international funds transfers by transferring funds from the United States to Thailand via the US Automated Clearing House system (US ACH) and Bangkok Bank's New York branch. By stipulating the 9-digit routing number for Bangkok Bank's New York branch ( ) in your transfer instruction, the funds will be transferred via the US ACH system directly to the receiver's Bangkok Bank account in Thailand, for a lower fee than most other international wire transfer services. Fees for funds transfers via the US ACH system and Bangkok Bank's New York branch are up to USD 20 lower than most other international wire transfer services in the US. You can make transfers directly online via the internet banking service provided by your own bank in the US.

3 You will enjoy a better exchange rate because the USD amount will be converted to Thai Baht at the daily Bangkok Bank exchange rate in Thailand. Who can use it? The service is available for holders of US bank accounts transferring funds to recipients with a Bangkok Bank account in Thailand. It is particularly useful for: Making funds transfers via the internet banking services of US banks Receiving payments from US government agencies or private organizations (Direct Deposit service) Receiving E-Commerce payments from online payment service providers in the US Step-by-step instructions The following step-by-step instructions are available: - Advice to senders using US bank internet banking service - Advice to Bangkok Bank customers receiving payments from US government agencies or private organizations (Direct Deposit) - Advice to e-commerce business operators in Thailand Click here to view fees For more information, please call Bualuang Phone on 1333 or (66) or Bangkok Bank's New York branch on (1-212) Important Note You cannot transfer funds from Bangkok Bank's account in Thailand to your account with banks or online payment service providers in the US via Bangkok Bank's New York branch and the ACH system. If you initiate direct debit or ACH debit transactions to Bangkok Bank's New York branch, banks in the US and online payment service providers may suspend your account. unds/pages/advice_direct_deposit.aspx Advice to Receiver using Direct Deposit Service If you are currently receiving payments such as pensions, annuities or payroll from US government agencies or private organizations, you can arrange for your payments to be directly deposited into your account at Bangkok Bank in Thailand via Bangkok BankÆs New York branch instead of receiving United States Treasury or company issued cheques.

4 You no longer need to visit the bank branch to cash or send your US Treasury or company issued cheques for collection. It eliminates the risk of losing pay cheques. You can receive funds faster. Your funds will be converted to Thai Baht using the rate receiving electronic funds transfers (Buying TT rate) which is better than the rate for buying foreign cheques (Buying sight bill rate). How to apply for the Direct Deposit Service If you are receiving payments from a US government agency: 1. Download the 'Direct Deposit Sign-up Form (SF1199A)' from the website Complete the form to sign up for Direct Deposit with your relevant US government agency. 2. Open a savings account at any Bangkok Bank branch (except micro branches). If you already have an account with Bangkok Bank, you can use your existing bank account for this service. Complete a 'Direct Deposit Service Application' form. 3. Submit all forms to Bangkok Bank with the following supporting documents: - Identification Card/Government Official ID Card/Passport together with a customer identification document such as your Social Security Card, Annuitant ID Card etc. - A document from the relevant agency giving evidence of your right to receive the payments. 4. After verifying your documents, Bangkok Bank will submit your application to the government agency asking them to approve your request for receiving the funds via Direct Deposit. 5. After the request to receive Direct Deposit is approved by the government agency, your welfare payment will be electronically deposited directly to your Bangkok Bank account. Important Note If you use a direct deposit service to receive funds from a US Government Agency, you must appear in person at a Bangkok Bank branch to withdraw the funds. In compliance with US regulations, Bangkok Bank cannot authorize the withdrawal of funds from your direct deposit account by an appointed representative, or via ATM or any other electronic channel. You must appear in person at a Bangkok Bank branch to withdraw the funds. You can, however, open a normal savings or current account and transfer the funds from your direct deposit account to this account. You may then withdraw your funds as usual via ATM or any other electronic channel. You may directly contact the United States government agencies in the US to send funds into your savings account with Bangkok Bank,. However, we still need to request that you change your savings account to a Direct Deposit account. Failure to comply will result in Bangkok Bank not being able to deposit funds transferred from the US government agencies into your account. If you are receiving payments from private organizations: 1. Request the 'Authorization Agreement for Automatic Deposits (ACH Credits)' form or Direct Deposit form from the private organization that you are receiving payments from. Complete the form to request the Direct Deposit service.

5 2. Request the 'Authorization Agreement for Automatic Deposits (ACH Credits)' form or Direct Deposit form from the private organization that you are receiving payments from. Complete the form to request the Direct Deposit service. 3. Open a savings account at any branch of Bangkok Bank in Thailand. If you already have an account with Bangkok Bank, you can use your existing bank account for this service. 4. Submit the form with the required information for account opening and the following supporting documents: - Identity Card/Government Official ID Card/Passport together with a customer identification document such as your Social Security Card, Annuitant ID Card etc. - A letter from the department authorized to make payments, as evidence of your right to receive the payments from the company. 5. After verifying your documents, Bangkok Bank will sign your 'Authorization Agreement for Automatic Deposit form (ACH Credits)' or Direct Deposit form and return the original form for you to mail to the US company asking them to approve the request and initiate direct deposits into your account. After the request to receive direct deposits is approved, your payments will be electronically deposited directly to your Bangkok Bank account. (If you are a Bangkok Bank customer residing in the US you can submit your application form and supporting documents to Bangkok BankÆs New York branch: 29 Broadway, 20th Fl New York United States, Tel: (1-212) ) unds/pages/receiving%20funds%20form%20usa%20fee.aspx Fees 1. Bangkok Bank in New York charges the following fees for funds transfers initiated via the US ACH system: Transferred Amount Less than USD Fee Free USD USD 3.00 USD , USD 5.00 USD 2, , USD USD 50, or more USD Bangkok Bank in Thailand also charges a fee of 0.25% of the amount in the Baht currency (minimum of THB 200; maximum of THB 500) when the funds are deposited into the recipientæs Bangkok Bank account in Thailand.

6 unds/pages/advice_ecommerce.aspx Advice to E-Commerce Business Operators in Thailand You can now receive e-commerce payments from your online payment service provider in the US directly to your account at Bangkok Bank in Thailand. The payments come directly via the US ACH system and Bangkok Bank's New York branch. Bangkok Bank will convert the USD funds sent by the online payment service provider into Thai Baht using Bangkok Bank's prevailing daily exchange rate in Thailand, giving you a better exchange rate. You will receive your funds within two business days after our New York branch has received the money transfer from the sender's bank. You can check your inwards funds transfer via Bualuang ibanking for personal accounts, Biz ibanking for business accounts, or Bualuang Phone 1333 or (66) How to use the service 1. Open a savings account or current account at any Bangkok Bank branch in Thailand. If you already have an account with Bangkok Bank, you can use your existing bank account for this service. However, the name of the existing or new Bangkok Bank account must be the same as the name you have registered with your online payment service provider. (If a mismatch occurs, the transfer instruction will not be completed and the funds will be returned to the online payment service provider). 2. Register your new bank account number with your online payment service provider then proceed as follows: Select United States as the country. Bank Name: Account Type: Routing Number: Account Number: Re-enter Account Number: Bangkok Bank (without specifying a branch name) S/A or C/A (choose type of account) (Enter the 9-digit routing number for Bangkok Bank's New York branch) xxxxxxxxxx (Enter the 10-digit number of your Bangkok Bank account) xxxxxxxxxx (Enter the 10-digit number of your Bangkok Bank account again) 3. The online payment service provider will send an to confirm that they have added your Bangkok Bank account. The online payment service provider will initiate two trial deposits by sending small amounts of less than USD 1.00 to your bank account in Thailand.

7 The online payment service provider will ask you to confirm the amount of the trial deposits - DO NOT RESPOND TO THIS REQUEST as it is intended only for recipients that have bank accounts in the US. 0Branches/Pages/Branch%20in%20USA.aspx United States New York Branch The New York branch is a US federal chartered branch which functions as a wholesale bank. There are many services available including: Trade Finance Corporate Lending Remittance/Funds Transfer Deposit Accounts (restricted) Please contact the branch directly for more details: New York Branch Dr. Thaweelap Rittapirom, SVP & Branch Manager Bangkok Bank Public Company Limited New York Branch 29 Broadway, 20th Floor, New York NY Business Hours: Mon.-Fri. From 9:00 a.m. to 5:00 p.m. Tel: (1-212) Fax: (1-212) Swift: BKKB US 33 Telex:(023) BKBK UT helpdesk.nyb@bbl.co.th FED Routing No: CHIPS ABA: 0869