Payment by KTB ATM: 10 baht/time: (When paying at ATMs outside Bangkok, Nonthaburi, Patum Thani, and Samut Prakarn in an amount exceeding 100,000

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1 Siam Commercial Bank PCL Details on Interest Rates, Fines, Service Rates, Fees, and Other Expenses Regarding Credit Card Use Addenda on Interest Rates, Fines, Service Rates, Fees, and Other Expenses Regarding Credit Card Use No. 2/2012 Dated November 15, 2012 Effective November 15, Interest Rates, Fines, Service Rates, Fees and Other Expenses Interest Maximum rate in normal case Maximum rate in default case Fine for debt payment behind schedule Credit usage fee Fee or other service fees Interest Charge Date 20 % p.a 20 % p.a Charged from [ / ] Date of Payment to Shops/Date of Cash Advance [ ] Date of Transaction Summary [ ] Due Date 2. Minimum installment payment rate 10% of the total amount to be paid as stated in the credit card statement, but not less than 1,000 baht. However, the total debt from credit card spending or cash advance incurred by the use of the temporary credit line approved by the bank must be paid in full within the period as stated in the credit card statement of the second installment. 3. Cash advance fee 3% of withdrawn cash 4. Interest-free repayment period if paid as scheduled 4.1 Purchase of products/services: 51 days maximum from the date of statement summary 4.2 Cash advance: No interest-free period (Interest is charged immediately when the cash advance is issued)

2 Operation Fee SCB Credit Card SCB Credit Card (King Power) SCB Credit Card (Toyota) SCB Credit Card SCB Credit Card SCB Credit Card SCB Credit Card SCB Credit Card SCB Credit Card SCB Credit Card Titanium Golf Card Family Plus Platinum /Platinum Limited Edition Beyond Platinum Sansiri Platinum First Private Banking Silver Gold Silver Gold Silver Gold (Titanium) (World) (Infinite) 5. Card Fee of Each Type (Baht/Year) Entry Primary Card 500 1, , ,000 1,000 1,000 None None None None None Supplementary Card None None None None None None None None None None None None None Annual Primary Card 1,200 2,000 1,200 2,000 1,200 2,000 2,000 2,000 5,000 5,000 5,000 10,000 50,000 Supplementary Card None None None None None None None None None None None 5,000 25, Payment Fee Payment by cheque or money order: None Payment by SCB account: None Payment at SCB Counter: None Payment by SCB ATM/Laser ATM: None Payment by SCB Easy Phone: None Payment by SCB Mobile Banking: None Payment by SCB Easy Net: None Payment at KTB Counter: For no more than 100,000 baht, fees are collected as follows: - Payment at branches in Bangkok, Nonthaburi, Patum Thani, and Samut Prakarn: 15 baht/time. - Payment at branches in other provinces: 20 baht/time. For more than 100,000 baht, an additional fee is collected at 0.10% of the excess, but no more than 1,000 baht.

3 Payment by KTB ATM: 10 baht/time: (When paying at ATMs outside Bangkok, Nonthaburi, Patum Thani, and Samut Prakarn in an amount exceeding 100,000 baht, an additional fee is collected at 0.10% of the excess, but no more than 1,000 baht). Payment by KTB Telebank: 10 baht/time: (When paying by transferring money from accounts at branches outside Bangkok, Nonthaburi, Patum Thani, and Samut Prakarn in an amount exceeding 100,000 baht, an additional fee is collected at 0.10% of the excess, but no more than 1,000 baht). Payment by KTB Online: 10 baht/time: (When paying in an amount exceeding 100,000 baht, an additional fee is collected at 0.10% of the excess, but no more than 1,000 baht). Payment at GSB Counter: For no more than 50,000 baht, fees are collected as follows: - Payment at branches in Bangkok, Nonthaburi, Patum Thani, and Samut Prakarn: 10 baht/time. - Payment at branches in other provinces: 20 baht/time. For more than 50,000 baht, additional fee is collected at 0.10% of the excess, but no more than 1,000 baht. Payment via Payment Services - Counter Service, TOT Service Center, TOT Shop and T-Net Shop with the Just Pay mark: 15 baht/time (maximum payment is 30,000 baht/time) - AIS and Telewiz: 15 baht/time (maximum payment is 100,000 baht/time) - Any Tesco Lotus Express and Tesco Lotus Supermarket branches: 10 baht/time (maximum payment is 49,000 baht/time) - SCB paying agent with the symbol at Family Mart: 10 baht/time (maximum payment is 40,000 baht/time) - Post Office: 10 baht/time (maximum payment is 50,000 baht/time).

4 7. Fee for issuing new card in case of loss/damage 7.1 Loss None 7.2 Damage - SCB Credit Card, SCB Credit Card King Power, SCB Credit Card Toyota,SCB Credit Card Titanium Golf Card, SCB Credit Card Family Plus: 150 baht/time - SCB Credit Card Platinum/Platinum Limited Edition, SCB Credit Card Beyond Platinum, SCB Credit Card Sansiri 8. Fee for statement request 8.1 SCB Credit Card, SCB Credit Card King Power, SCB Credit Card Toyota, SCB Credit Card Titanium Golf Card, SCB Credit Card Family Plus: 50 baht/time 8.2 SCB Credit Card Platinum/Platinum Limited Edition, SCB Credit Card Beyond Platinum, SCB Credit Card Sansiri Platinum, SCB Credit Card First, SCB Credit Card Private Banking : None 9. Fee for requesting copy of sale record 9.1 SCB Credit Card, SCB Credit Card King Power, SCB Credit Card Toyota, SCB Credit Card Titanium Golf Card, SCB Credit Card Family Plus: 200 baht/time 9.2 SCB Credit Card Platinum/Platinum Limited Edition, SCB Credit Card Beyond Platinum, SCB Credit Card Sansiri 10. Fee for requesting new card ID in place of existing card 10.1 SCB Credit Card, SCB Credit Card King Power, SCB Credit Card Toyota, SCB Credit Card Titanium Golf Card, SCB Credit Card Family Plus: 150 baht/time 10.2 SCB Credit Card Platinum/Platinum Limited Edition, SCB Credit Card Beyond Platinum, SCB Credit Card Sansiri 11. Fee for requesting transaction examination None

5 12. Debt collection fee 12.1 Outstanding amount due in the 1st accounting period or 2nd accounting period in a row: 250 baht/accounting period Past due amount for 2 consecutive accounting periods or more: 300 baht/accounting period. 13. Tax and duty None 14. Risk fee for currency conversion 2.5% of spending amount or cash advance in foreign currencies Remarks: - When using credit cards overseas, cardholders are liable for other expenses such as fees for using ATMs overseas. - Fines, service rates, fees, and other expenses are subject to VAT (if any). - Cardholders acknowledge and agree that any expenses incurred from card spending (including cash advances) in foreign currencies shall be collected in Thai baht and calculated based on the exchange rate charged by the credit card company of which the Bank is a member on the date the spending amount is collected. In the event the foreign currency is not the US dollar, the spending amount may be converted into the dollar and then the baht for collection with the Bank. Cardholders are advised to check the currency exchange rate as an initial reference at: For VISA Card: For MasterCard: In addition, cardholders acknowledge and agree that the Bank is allowed to charge a risk fee for currency conversion at no more than 2.5% of spending amount to hedge against currency exchange risks.