1. Definitions of Types of Customers

   1.1 Corporate means a business organization, institution, foundation or association which gains income and is liable to pay income tax and also includes juristic entities who request to pay lump-sum tax, condominium juristic entities and non–bank credit card issuers.

   1.2 Government agencies means government offices, state enterprises, Thai Government organizations, municipalities, co-operatives and state enterprises that carry out business as limited companies.

   1.3 Non-profit juristic persons means institutions that have no objective to gain profits such as associations, clubs, foundations, monasteries, Red-Cross, state hospitals, schools, colleges, and universities.

   1.4 Financial Institutions means finance companies, securities companies, finance and securities companies, credit foncier companies, asset management companies, mutual funds, various types of funds and other financial institutions.

   1.5 Funds means provident funds, the Government Pension Fund, the Social Security Fund and other welfare funds.

2. Terms and Conditions for Fixed Deposit

   2.1 Deposit amount means the amount deposited in each transaction.

   2.2 Customers will not receive monthly interest on their deposits and will not receive interest in the case where the fixed deposit has been withdrawn before the completion of a 3 month period from the deposit date.

   2.3 If the customer withdraws funds before the maturation date of the deposit term but after three months of the deposit date, the customer will receive the same rate of interest as that for saving accounts applicable on the deposit date for the actual deposit period.

   2.4 In the case where the term of a fixed deposit expires on a day which is not a banking day and the customer withdraws funds on the first banking day following such non-banking day, the bank will also pay interest for such non-banking day.

   2.5 For 7 day fixed deposit, 14 day fixed deposit and 1 month fixed deposit, each deposit amount shall not be less than Baht 50,000,000 (Fifty Million Baht). In case the customer withdraws before the completed term, customers must withdraw the whole amount and will not receive interest on their deposit.
        For special 14 day fixed deposit, customers are required to have a special agreement with the bank. Each deposit amount shall not be less than Baht 1,000,000,000 (One Billion Baht). The consolidated credit line of the group of companies held with the bank shall not be less than Baht 3,000,000,000 (Three Billion Baht) and the consolidated international trade volume per annum shall not less than Baht 15,000,000,000 (Fifteen Billion Baht). In case of withdrawal before the completed term, the entire amount shall be withdrawn and interest will not be paid on the deposit.
        In case of 2.5, such deposit can be maintained in the account until the expiry of the term and if the bank did not announce the interest rate of such deposit in the table of deposit interest rates at that time, the bank will not pay interest after the expiry of the term.

   2.6 The bank will only accept 5 month fixed deposits during the period starting from November 18, 2008 to December 1, 2008. Each customer shall be able to open only one account and the amount to be deposited in each account shall not be less than Baht 50,000 and not exceed Baht 10,000,000 (Ten Million Baht). Upon the expiry date of the deposit term, if the customer does not withdraw the funds or otherwise instruct the bank, it shall be considered that the customer agrees to continue to deposit such amount for another three months and to receive the interest rate under the conditions as stated in the Bank’s announcement then in effect.

   2.7 The bank may consider increasing the interest payable to customers on a case by case basis as deemed appropriate, provided that such increased interest shall not be more than 0.5% per year above the rate of interest payable to depositors who are of the same category and with deposits of the same type and term.

   2.8 The bank reserves the right to change the terms and conditions and special interest rates described as deemed appropriate so as to be in line with the market and economic situation.

   2.9 This announcement shall not apply to deposits made prior to the date hereof which are subject to previous rates and conditions until the expiry of the deposit term.

3. Terms and Conditions for Sinmathaya Subthawee Deposit

   3.1 Customers who maintain their accounts until the expiry of the term and do not miss more than two regular deposits will receive the interest rate as stated in the Agreement.

   3.2 The interest for Sinmathaya Subthawee Deposit will be calculated on the account balance at the end of each day at the deposit interest rate applicable on the date of the first deposit. The interest will be compounded every year, and the interest rate will be revised at the one-year anniversary date and the rate prevailing on that date will apply.

   3.3 In the event that a customer fails to make not more than two deposits during the term of the agreement, such customer will still be eligible for a tax exemption and entitled to interest as stated in the Agreement.
        In the event that a customer fails to make more than two deposits, but not more than four, such customer will not be eligible for a tax exemption but will receive interest as stated in the Agreement.
        In the event that a customer fails to make more than four deposits, such customer will be deemed to have breached the Agreement and the bank will not accept any further deposits. The customer will then have to close the account and will receive only interest at 60% of the interest rate specified in the Agreement and such interest received will be subjected to withholding tax of 15%.

4. Terms and Conditions for Savings Deposit

   4.1 The bank will pay interest on savings deposits two times per annum – in June and December.

   4.2 For special savings deposit 1, the bank will pay interest at the rate for special savings deposit 1 for asset management companies which have a special agreement with the bank. The deposit amount shall not be less than Baht 1,000,000,000 (One Billion Baht). In the event that the deposit amount held in account is less than Baht 1,000,000,000 (One Billion Baht), the bank will pay interest at the rate for savings deposits payable to financial institutions. In the event that deposits do not comply with the conditions, the bank will pay interest at the rate for savings account payable to general financial institutions.

5. Interest Calculation

   5.1 Interest will be calculated based on a 365-day year.

   5.2 The method of interest calculation 

        Interest received = Deposit Amount x Annual Interest Rate x Number of Days
                                                                      100 x 365

        Deposits and interests in the Non-resident Baht Accounts of non resident persons according to the definition in the Foreign Exchange Control Act shall not be under the protection of the Financial Institutions Development Fund (FIDF) or the Deposit Protection Institution in accordance with the Deposit Protection Institution Act B.E. 2551.

        If you have any queries, please contact a Bangkok Bank officer.

Remark: This is an unofficial translation. In the event of any conflict between this translation and the original in Thai of these Definitions of Types of Customers and Terms and Conditions for Interest Payment, such original in Thai shall prevail.